Home > Durden Banking Company, Incorporated > Performance and Condition Ratios
Durden Banking Company, Incorporated, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5486% | 1,100 |
| Cost of funding earning assets | 0.4271% | 4,267 |
| Net interest margin | 5.1216% | 280 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.6272% | 1,934 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 2.6846% | 210 |
| Return on assets (ROA) | 2.6846% | 207 |
| Pretax return on assets | 2.6846% | 285 |
| Return on Equity (ROE) | 22.8900% | 406 |
| Retained earnings to average equity (ytd only) | 11.0695% | 777 |
| Net charge-offs to loans | 0.0683% | 1,170 |
| Credit loss provision to net charge-offs | 360.3604% | 835 |
| Earnings coverage of net charge-offs (x) | 70.5676% | 1,088 |
| Efficiency ratio | 48.1499% | 4,084 |
| Assets per employee ($millions) | 5.8248% | 2,964 |
| Cash dividends to net income (ytd only)* | 51.6481% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1527% | 300 |
| Loan loss allowance to noncurrent loans | 2,132.0225% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 2,958 |
| Noncurrent loans to loans | 0.1010% | 3,035 |
| Net loans and leases to total assets | 63.0100% | 2,571 |
| Net loans and leases to deposits | 72.3830% | 2,735 |
| Net loans and leases to core deposits | 78.3299% | 2,812 |
| Total domestic deposits to total assets | 87.0500% | 1,659 |
| Equity capital to assets | 12.7453% | 925 |
| Core capital (leverage) ratio | 14.5096% | 702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3730% | 400 |
| Memoranda: | ||
| Average total assets | $276,874,800 | 2,542 |
| Average earning assets | $258,729,800 | 2,528 |
| Average equity | $32,467,600 | 2,166 |
| Average total loans | $162,533,400 | 2,577 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3729% | 1,172 |
| Cost of funding earning assets | 0.3729% | 4,288 |
| Net interest margin | 5.0000% | 307 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.5432% | 2,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.8217% | 201 |
| Return on assets (ROA) | 2.8217% | 200 |
| Pretax return on assets | 2.8217% | 275 |
| Return on Equity (ROE) | 24.5900% | 404 |
| Retained earnings to average equity (ytd only) | 13.4830% | 747 |
| Net charge-offs to loans | 0.0494% | 1,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 99.5932% | 916 |
| Efficiency ratio | 47.4042% | 4,072 |
| Assets per employee ($millions) | 5.7967% | 2,935 |
| Cash dividends to net income (ytd only)* | 45.1668% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9939% | 390 |
| Loan loss allowance to noncurrent loans | 926.6129% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 2,652 |
| Noncurrent loans to loans | 0.2152% | 2,488 |
| Net loans and leases to total assets | 62.1900% | 2,635 |
| Net loans and leases to deposits | 71.0822% | 2,770 |
| Net loans and leases to core deposits | 76.3669% | 2,842 |
| Total domestic deposits to total assets | 87.4900% | 1,738 |
| Equity capital to assets | 12.1448% | 1,000 |
| Core capital (leverage) ratio | 14.1219% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5670% | 401 |
| Memoranda: | ||
| Average total assets | $277,652,500 | 2,542 |
| Average earning assets | $261,006,000 | 2,516 |
| Average equity | $31,861,500 | 2,173 |
| Average total loans | $159,093,500 | 2,615 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 1,259 |
| Cost of funding earning assets | 0.3198% | 4,283 |
| Net interest margin | 4.8503% | 374 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.4876% | 2,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7338% | 192 |
| Return on assets (ROA) | 2.7338% | 190 |
| Pretax return on assets | 2.7338% | 273 |
| Return on Equity (ROE) | 24.2800% | 410 |
| Retained earnings to average equity (ytd only) | 10.4284% | 1,301 |
| Net charge-offs to loans | 0.0065% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 763.8000% | 199 |
| Efficiency ratio | 47.6419% | 4,084 |
| Assets per employee ($millions) | 6.2426% | 2,513 |
| Cash dividends to net income (ytd only)* | 57.0568% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 350 |
| Loan loss allowance to noncurrent loans | 1,194.8805% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 2,806 |
| Noncurrent loans to loans | 0.1773% | 2,593 |
| Net loans and leases to total assets | 57.5900% | 2,998 |
| Net loans and leases to deposits | 65.2376% | 3,106 |
| Net loans and leases to core deposits | 69.7754% | 3,144 |
| Total domestic deposits to total assets | 88.2800% | 1,504 |
| Equity capital to assets | 11.4208% | 1,223 |
| Core capital (leverage) ratio | 13.3501% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7226% | 448 |
| Memoranda: | ||
| Average total assets | $279,388,000 | 2,532 |
| Average earning assets | $263,323,333 | 2,512 |
| Average equity | $31,452,667 | 2,203 |
| Average total loans | $154,498,000 | 2,634 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 1,365 |
| Cost of funding earning assets | 0.2538% | 4,287 |
| Net interest margin | 4.6747% | 463 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.4966% | 2,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5784% | 225 |
| Return on assets (ROA) | 2.5784% | 221 |
| Pretax return on assets | 2.5784% | 326 |
| Return on Equity (ROE) | 23.0700% | 504 |
| Retained earnings to average equity (ytd only) | 0.1798% | 3,992 |
| Net charge-offs to loans | 0.0215% | 1,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 224.5000% | 472 |
| Efficiency ratio | 49.1938% | 4,008 |
| Assets per employee ($millions) | 6.2285% | 2,557 |
| Cash dividends to net income (ytd only)* | 99.2205% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3291% | 266 |
| Loan loss allowance to noncurrent loans | 1,388.0952% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 2,933 |
| Noncurrent loans to loans | 0.1678% | 2,650 |
| Net loans and leases to total assets | 51.2000% | 3,406 |
| Net loans and leases to deposits | 57.6710% | 3,471 |
| Net loans and leases to core deposits | 61.4521% | 3,477 |
| Total domestic deposits to total assets | 88.7800% | 1,623 |
| Equity capital to assets | 11.0083% | 1,333 |
| Core capital (leverage) ratio | 13.1017% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2038% | 388 |
| Memoranda: | ||
| Average total assets | $278,623,000 | 2,563 |
| Average earning assets | $263,203,500 | 2,544 |
| Average equity | $31,137,500 | 2,244 |
| Average total loans | $149,105,500 | 2,711 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 1,197 |
| Cost of funding earning assets | 0.1224% | 4,271 |
| Net interest margin | 4.1043% | 649 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.5065% | 2,092 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 2.0248% | 286 |
| Return on assets (ROA) | 2.0248% | 275 |
| Pretax return on assets | 2.0248% | 449 |
| Return on Equity (ROE) | 17.1400% | 837 |
| Retained earnings to average equity (ytd only) | 7.4355% | 2,055 |
| Net charge-offs to loans | -0.0007% | 3,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.7405% | 3,716 |
| Assets per employee ($millions) | 5.8855% | 2,864 |
| Cash dividends to net income (ytd only)* | 56.6109% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3685% | 244 |
| Loan loss allowance to noncurrent loans | 492.4157% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 1,850 |
| Noncurrent loans to loans | 0.4810% | 1,497 |
| Net loans and leases to total assets | 53.3800% | 3,248 |
| Net loans and leases to deposits | 60.3090% | 3,313 |
| Net loans and leases to core deposits | 63.6020% | 3,285 |
| Total domestic deposits to total assets | 88.5100% | 1,877 |
| Equity capital to assets | 11.3525% | 1,129 |
| Core capital (leverage) ratio | 13.4447% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5853% | 348 |
| Memoranda: | ||
| Average total assets | $262,594,200 | 2,651 |
| Average earning assets | $248,278,000 | 2,626 |
| Average equity | $31,027,000 | 2,292 |
| Average total loans | $138,750,200 | 2,742 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0229% | 1,222 |
| Cost of funding earning assets | 0.1050% | 4,245 |
| Net interest margin | 3.9178% | 770 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 2.4910% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9117% | 339 |
| Return on assets (ROA) | 1.9117% | 335 |
| Pretax return on assets | 1.9117% | 564 |
| Return on Equity (ROE) | 16.0200% | 971 |
| Retained earnings to average equity (ytd only) | 6.8466% | 2,427 |
| Net charge-offs to loans | -0.0088% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.5783% | 3,563 |
| Assets per employee ($millions) | 5.7520% | 2,987 |
| Cash dividends to net income (ytd only)* | 57.2537% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3716% | 259 |
| Loan loss allowance to noncurrent loans | 1,298.4674% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 2,966 |
| Noncurrent loans to loans | 0.1826% | 2,671 |
| Net loans and leases to total assets | 52.7300% | 3,214 |
| Net loans and leases to deposits | 59.5548% | 3,237 |
| Net loans and leases to core deposits | 61.8442% | 3,247 |
| Total domestic deposits to total assets | 88.5400% | 2,261 |
| Equity capital to assets | 11.1534% | 1,128 |
| Core capital (leverage) ratio | 13.1908% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3087% | 371 |
| Memoranda: | ||
| Average total assets | $260,559,250 | 2,681 |
| Average earning assets | $246,285,750 | 2,654 |
| Average equity | $31,100,000 | 2,318 |
| Average total loans | $136,431,500 | 2,771 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 1,343 |
| Cost of funding earning assets | 0.1027% | 4,164 |
| Net interest margin | 3.6858% | 931 |
| Noninterest income to average assets | 0.6867% | 1,400 |
| Noninterest expense to average assets | 2.4482% | 2,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.7268% | 399 |
| Return on assets (ROA) | 1.7268% | 395 |
| Pretax return on assets | 1.7268% | 703 |
| Return on Equity (ROE) | 14.1513% | 1,077 |
| Retained earnings to average equity (ytd only) | 2.8834% | 3,477 |
| Net charge-offs to loans | -0.0223% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6398% | 3,471 |
| Assets per employee ($millions) | 5.6812% | 3,043 |
| Cash dividends to net income (ytd only)* | 79.6247% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5301% | 251 |
| Loan loss allowance to noncurrent loans | 1,095.1613% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 2,894 |
| Noncurrent loans to loans | 0.2310% | 2,563 |
| Net loans and leases to total assets | 48.9813% | 3,466 |
| Net loans and leases to deposits | 55.3801% | 3,429 |
| Net loans and leases to core deposits | 57.5694% | 3,460 |
| Total domestic deposits to total assets | 88.4457% | 2,404 |
| Equity capital to assets | 11.3359% | 1,085 |
| Core capital (leverage) ratio | 12.7424% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3364% | 349 |
| Memoranda: | ||
| Average total assets | $259,215,000 | 2,716 |
| Average earning assets | $245,318,000 | 2,696 |
| Average equity | $31,629,667 | 2,336 |
| Average total loans | $134,274,667 | 2,805 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 1,248 |
| Cost of funding earning assets | 0.1060% | 4,057 |
| Net interest margin | 3.6058% | 885 |
| Noninterest income to average assets | 0.7019% | 1,313 |
| Noninterest expense to average assets | 2.5396% | 1,785 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5730% | 550 |
| Return on assets (ROA) | 1.5730% | 541 |
| Pretax return on assets | 1.5730% | 874 |
| Return on Equity (ROE) | 12.4296% | 1,188 |
| Retained earnings to average equity (ytd only) | -6.6976% | 4,483 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7524% | 3,295 |
| Assets per employee ($millions) | 5.6412% | 3,192 |
| Cash dividends to net income (ytd only)* | 153.8845% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5065% | 285 |
| Loan loss allowance to noncurrent loans | 1,198.5816% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 3,068 |
| Noncurrent loans to loans | 0.2091% | 2,776 |
| Net loans and leases to total assets | 49.5853% | 3,212 |
| Net loans and leases to deposits | 56.2302% | 3,248 |
| Net loans and leases to core deposits | 58.3459% | 3,283 |
| Total domestic deposits to total assets | 88.1827% | 2,443 |
| Equity capital to assets | 11.6287% | 1,082 |
| Core capital (leverage) ratio | 12.9142% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7145% | 390 |
| Memoranda: | ||
| Average total assets | $255,313,500 | 2,751 |
| Average earning assets | $241,503,000 | 2,725 |
| Average equity | $32,310,000 | 2,369 |
| Average total loans | $134,320,000 | 2,802 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 252 |
| Cost of funding earning assets | 0.1625% | 3,844 |
| Net interest margin | 4.8736% | 161 |
| Noninterest income to average assets | 0.7162% | 1,707 |
| Noninterest expense to average assets | 2.9663% | 1,038 |
| Loan and lease loss provision to assets | 0.1042% | 1,211 |
| Net operating income to assets | 2.2319% | 230 |
| Return on assets (ROA) | 2.2319% | 240 |
| Pretax return on assets | 2.2319% | 388 |
| Return on Equity (ROE) | 15.3988% | 861 |
| Retained earnings to average equity (ytd only) | 7.5660% | 1,700 |
| Net charge-offs to loans | -0.0470% | 4,304 |
| Credit loss provision to net charge-offs | -375.0000% | 3,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9423% | 3,712 |
| Assets per employee ($millions) | 5.2232% | 3,539 |
| Cash dividends to net income (ytd only)* | 50.8659% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5263% | 265 |
| Loan loss allowance to noncurrent loans | 528.1250% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 2,251 |
| Noncurrent loans to loans | 0.4784% | 1,934 |
| Net loans and leases to total assets | 53.1227% | 2,949 |
| Net loans and leases to deposits | 61.7278% | 2,908 |
| Net loans and leases to core deposits | 64.4431% | 2,940 |
| Total domestic deposits to total assets | 86.0597% | 2,877 |
| Equity capital to assets | 13.7635% | 714 |
| Core capital (leverage) ratio | 13.9678% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8631% | 316 |
| Memoranda: | ||
| Average total assets | $230,250,800 | 2,842 |
| Average earning assets | $216,678,600 | 2,833 |
| Average equity | $33,372,800 | 2,366 |
| Average total loans | $136,079,600 | 2,771 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 164 |
| Cost of funding earning assets | 0.1745% | 3,874 |
| Net interest margin | 5.2430% | 114 |
| Noninterest income to average assets | 0.7130% | 1,781 |
| Noninterest expense to average assets | 2.9635% | 1,029 |
| Loan and lease loss provision to assets | 0.1060% | 1,142 |
| Net operating income to assets | 2.5613% | 199 |
| Return on assets (ROA) | 2.5613% | 202 |
| Pretax return on assets | 2.5613% | 305 |
| Return on Equity (ROE) | 17.4332% | 700 |
| Retained earnings to average equity (ytd only) | 9.8147% | 1,379 |
| Net charge-offs to loans | -0.0673% | 4,467 |
| Credit loss provision to net charge-offs | -260.8696% | 3,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6299% | 3,965 |
| Assets per employee ($millions) | 5.2159% | 3,486 |
| Cash dividends to net income (ytd only)* | 43.7011% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4075% | 330 |
| Loan loss allowance to noncurrent loans | 742.1875% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 2,774 |
| Noncurrent loans to loans | 0.3244% | 2,620 |
| Net loans and leases to total assets | 56.1753% | 2,709 |
| Net loans and leases to deposits | 65.7308% | 2,658 |
| Net loans and leases to core deposits | 68.8128% | 2,705 |
| Total domestic deposits to total assets | 85.4626% | 2,959 |
| Equity capital to assets | 14.2569% | 680 |
| Core capital (leverage) ratio | 14.1448% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2819% | 294 |
| Memoranda: | ||
| Average total assets | $226,441,000 | 2,895 |
| Average earning assets | $212,391,750 | 2,887 |
| Average equity | $33,269,000 | 2,400 |
| Average total loans | $136,651,750 | 2,803 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0866% | 91 |
| Cost of funding earning assets | 0.1872% | 3,875 |
| Net interest margin | 5.8994% | 65 |
| Noninterest income to average assets | 0.6948% | 1,829 |
| Noninterest expense to average assets | 3.0602% | 897 |
| Loan and lease loss provision to assets | 0.1081% | 1,166 |
| Net operating income to assets | 3.0629% | 120 |
| Return on assets (ROA) | 3.0629% | 126 |
| Pretax return on assets | 3.0629% | 177 |
| Return on Equity (ROE) | 20.6273% | 412 |
| Retained earnings to average equity (ytd only) | 11.4940% | 1,017 |
| Net charge-offs to loans | -0.0852% | 4,576 |
| Credit loss provision to net charge-offs | -206.8966% | 3,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1106% | 4,308 |
| Assets per employee ($millions) | 5.0220% | 3,644 |
| Cash dividends to net income (ytd only)* | 44.2777% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3162% | 350 |
| Loan loss allowance to noncurrent loans | 619.8095% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 2,599 |
| Noncurrent loans to loans | 0.3737% | 2,564 |
| Net loans and leases to total assets | 59.4057% | 2,493 |
| Net loans and leases to deposits | 69.8546% | 2,425 |
| Net loans and leases to core deposits | 73.2776% | 2,485 |
| Total domestic deposits to total assets | 85.0420% | 3,078 |
| Equity capital to assets | 14.6723% | 587 |
| Core capital (leverage) ratio | 14.2363% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1317% | 246 |
| Memoranda: | ||
| Average total assets | $221,943,667 | 2,924 |
| Average earning assets | $208,294,000 | 2,914 |
| Average equity | $32,956,333 | 2,408 |
| Average total loans | $136,166,333 | 2,819 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1045% | 94 |
| Cost of funding earning assets | 0.1979% | 3,931 |
| Net interest margin | 5.9066% | 70 |
| Noninterest income to average assets | 0.7396% | 1,746 |
| Noninterest expense to average assets | 2.8665% | 1,219 |
| Loan and lease loss provision to assets | 0.1104% | 1,254 |
| Net operating income to assets | 3.3081% | 120 |
| Return on assets (ROA) | 3.3081% | 132 |
| Pretax return on assets | 3.3081% | 168 |
| Return on Equity (ROE) | 22.1381% | 383 |
| Retained earnings to average equity (ytd only) | 7.5107% | 2,408 |
| Net charge-offs to loans | -0.1134% | 4,674 |
| Credit loss provision to net charge-offs | -157.8947% | 2,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6089% | 4,489 |
| Assets per employee ($millions) | 4.9564% | 3,711 |
| Cash dividends to net income (ytd only)* | 66.0734% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3110% | 357 |
| Loan loss allowance to noncurrent loans | 497.4922% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 2,567 |
| Noncurrent loans to loans | 0.4645% | 2,462 |
| Net loans and leases to total assets | 58.8467% | 2,698 |
| Net loans and leases to deposits | 68.9231% | 2,609 |
| Net loans and leases to core deposits | 72.3385% | 2,669 |
| Total domestic deposits to total assets | 85.3803% | 2,969 |
| Equity capital to assets | 14.3341% | 607 |
| Core capital (leverage) ratio | 14.6091% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6723% | 279 |
| Memoranda: | ||
| Average total assets | $217,409,000 | 2,949 |
| Average earning assets | $204,110,500 | 2,938 |
| Average equity | $32,487,000 | 2,417 |
| Average total loans | $134,005,000 | 2,847 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2128% | 333 |
| Cost of funding earning assets | 0.3115% | 4,078 |
| Net interest margin | 4.9013% | 144 |
| Noninterest income to average assets | 0.7184% | 1,799 |
| Noninterest expense to average assets | 3.1583% | 1,128 |
| Loan and lease loss provision to assets | 0.2314% | 1,679 |
| Net operating income to assets | 1.8759% | 335 |
| Return on assets (ROA) | 1.8759% | 360 |
| Pretax return on assets | 1.8759% | 581 |
| Return on Equity (ROE) | 11.7769% | 1,385 |
| Retained earnings to average equity (ytd only) | 5.3848% | 2,103 |
| Net charge-offs to loans | 0.0293% | 2,442 |
| Credit loss provision to net charge-offs | 1,216.2162% | 677 |
| Earnings coverage of net charge-offs (x) | 110.7568% | 743 |
| Efficiency ratio | 59.9805% | 3,459 |
| Assets per employee ($millions) | 4.3088% | 4,108 |
| Cash dividends to net income (ytd only)* | 54.2763% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3540% | 313 |
| Loan loss allowance to noncurrent loans | 351.9451% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 2,193 |
| Noncurrent loans to loans | 0.6689% | 2,010 |
| Net loans and leases to total assets | 61.6916% | 2,649 |
| Net loans and leases to deposits | 73.3280% | 2,558 |
| Net loans and leases to core deposits | 76.7851% | 2,650 |
| Total domestic deposits to total assets | 84.1310% | 3,077 |
| Equity capital to assets | 15.6138% | 474 |
| Core capital (leverage) ratio | 15.3886% | 455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3352% | 310 |
| Memoranda: | ||
| Average total assets | $194,471,000 | 2,989 |
| Average earning assets | $180,420,400 | 2,996 |
| Average equity | $30,975,800 | 2,433 |
| Average total loans | $126,252,400 | 2,906 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2507% | 375 |
| Cost of funding earning assets | 0.3335% | 4,133 |
| Net interest margin | 4.9172% | 161 |
| Noninterest income to average assets | 0.7120% | 1,759 |
| Noninterest expense to average assets | 3.1664% | 1,129 |
| Loan and lease loss provision to assets | 0.1568% | 2,444 |
| Net operating income to assets | 1.9395% | 337 |
| Return on assets (ROA) | 1.9395% | 370 |
| Pretax return on assets | 1.9395% | 582 |
| Return on Equity (ROE) | 12.1120% | 1,338 |
| Retained earnings to average equity (ytd only) | 5.2207% | 2,464 |
| Net charge-offs to loans | 0.0021% | 3,120 |
| Credit loss provision to net charge-offs | 11,250.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 1,504.5000% | 80 |
| Efficiency ratio | 60.1668% | 3,370 |
| Assets per employee ($millions) | 4.2083% | 4,138 |
| Cash dividends to net income (ytd only)* | 56.8966% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1464% | 385 |
| Loan loss allowance to noncurrent loans | 410.5263% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 2,749 |
| Noncurrent loans to loans | 0.5228% | 2,489 |
| Net loans and leases to total assets | 65.1350% | 2,626 |
| Net loans and leases to deposits | 77.8233% | 2,549 |
| Net loans and leases to core deposits | 81.7451% | 2,679 |
| Total domestic deposits to total assets | 83.6960% | 2,929 |
| Equity capital to assets | 15.8110% | 493 |
| Core capital (leverage) ratio | 15.1572% | 514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6213% | 317 |
| Memoranda: | ||
| Average total assets | $191,382,750 | 3,001 |
| Average earning assets | $177,113,750 | 3,010 |
| Average equity | $30,646,500 | 2,439 |
| Average total loans | $125,148,250 | 2,925 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 418 |
| Cost of funding earning assets | 0.3523% | 4,258 |
| Net interest margin | 5.0261% | 196 |
| Noninterest income to average assets | 0.7219% | 1,661 |
| Noninterest expense to average assets | 3.1909% | 1,180 |
| Loan and lease loss provision to assets | 0.1597% | 2,404 |
| Net operating income to assets | 2.0187% | 322 |
| Return on assets (ROA) | 2.0187% | 353 |
| Pretax return on assets | 2.0187% | 525 |
| Return on Equity (ROE) | 12.5496% | 1,208 |
| Retained earnings to average equity (ytd only) | 3.6338% | 3,106 |
| Net charge-offs to loans | -0.0377% | 4,607 |
| Credit loss provision to net charge-offs | -652.1739% | 3,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4289% | 3,498 |
| Assets per employee ($millions) | 4.2532% | 4,056 |
| Cash dividends to net income (ytd only)* | 71.0443% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1508% | 358 |
| Loan loss allowance to noncurrent loans | 443.1250% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 2,987 |
| Noncurrent loans to loans | 0.4854% | 2,691 |
| Net loans and leases to total assets | 64.5443% | 2,812 |
| Net loans and leases to deposits | 77.0311% | 2,758 |
| Net loans and leases to core deposits | 80.9461% | 2,873 |
| Total domestic deposits to total assets | 83.7899% | 2,821 |
| Equity capital to assets | 15.6653% | 517 |
| Core capital (leverage) ratio | 16.7878% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0280% | 264 |
| Memoranda: | ||
| Average total assets | $187,844,000 | 3,012 |
| Average earning assets | $173,694,000 | 3,019 |
| Average equity | $30,216,000 | 2,451 |
| Average total loans | $122,045,000 | 2,952 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7119% | 240 |
| Cost of funding earning assets | 0.3755% | 4,445 |
| Net interest margin | 5.3364% | 121 |
| Noninterest income to average assets | 0.7898% | 1,345 |
| Noninterest expense to average assets | 3.3814% | 1,099 |
| Loan and lease loss provision to assets | 0.1650% | 1,767 |
| Net operating income to assets | 2.1516% | 203 |
| Return on assets (ROA) | 2.1516% | 221 |
| Pretax return on assets | 2.1516% | 333 |
| Return on Equity (ROE) | 13.1866% | 849 |
| Retained earnings to average equity (ytd only) | -1.7663% | 4,226 |
| Net charge-offs to loans | -0.1263% | 4,866 |
| Credit loss provision to net charge-offs | -202.7027% | 3,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3436% | 3,824 |
| Assets per employee ($millions) | 3.9709% | 3,951 |
| Cash dividends to net income (ytd only)* | 113.3947% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3285% | 317 |
| Loan loss allowance to noncurrent loans | 447.5806% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 3,114 |
| Noncurrent loans to loans | 0.5202% | 2,703 |
| Net loans and leases to total assets | 62.3687% | 3,261 |
| Net loans and leases to deposits | 74.3442% | 3,235 |
| Net loans and leases to core deposits | 78.3976% | 3,326 |
| Total domestic deposits to total assets | 83.8918% | 2,822 |
| Equity capital to assets | 15.8831% | 606 |
| Core capital (leverage) ratio | 16.6778% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0410% | 329 |
| Memoranda: | ||
| Average total assets | $181,816,000 | 3,031 |
| Average earning assets | $167,229,500 | 3,041 |
| Average equity | $29,666,500 | 2,473 |
| Average total loans | $117,137,500 | 2,987 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4656% | 599 |
| Cost of funding earning assets | 0.3686% | 4,543 |
| Net interest margin | 5.0970% | 221 |
| Noninterest income to average assets | 0.8839% | 1,208 |
| Noninterest expense to average assets | 3.2748% | 1,348 |
| Loan and lease loss provision to assets | 0.1987% | 1,023 |
| Net operating income to assets | 2.1009% | 275 |
| Return on assets (ROA) | 2.0886% | 292 |
| Pretax return on assets | 2.0886% | 491 |
| Return on Equity (ROE) | 13.1765% | 1,121 |
| Retained earnings to average equity (ytd only) | 6.4629% | 1,630 |
| Net charge-offs to loans | 0.1735% | 1,163 |
| Credit loss provision to net charge-offs | 183.9378% | 1,434 |
| Earnings coverage of net charge-offs (x) | 21.2850% | 1,893 |
| Efficiency ratio | 58.7467% | 3,874 |
| Assets per employee ($millions) | 3.7660% | 4,196 |
| Cash dividends to net income (ytd only)* | 50.9515% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3136% | 281 |
| Loan loss allowance to noncurrent loans | 328.7654% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4689% | 2,530 |
| Noncurrent loans to loans | 0.7037% | 2,120 |
| Net loans and leases to total assets | 63.5237% | 3,254 |
| Net loans and leases to deposits | 76.4857% | 3,135 |
| Net loans and leases to core deposits | 80.8556% | 3,227 |
| Total domestic deposits to total assets | 83.0531% | 3,177 |
| Equity capital to assets | 16.7740% | 495 |
| Core capital (leverage) ratio | 16.9524% | 418 |
| Tier 1 risk-based capital ratio | 27.5957% | 585 |
| Total risk-based capital ratio | 28.8607% | 571 |
| Memoranda: | ||
| Average total assets | $178,634,200 | 3,035 |
| Average earning assets | $164,391,600 | 3,046 |
| Average equity | $28,315,600 | 2,480 |
| Average total loans | $111,213,600 | 3,068 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4678% | 622 |
| Cost of funding earning assets | 0.3680% | 4,607 |
| Net interest margin | 5.0998% | 235 |
| Noninterest income to average assets | 0.8944% | 1,153 |
| Noninterest expense to average assets | 3.2081% | 1,452 |
| Loan and lease loss provision to assets | 0.1005% | 1,910 |
| Net operating income to assets | 2.2713% | 237 |
| Return on assets (ROA) | 2.2981% | 232 |
| Pretax return on assets | 2.2981% | 371 |
| Return on Equity (ROE) | 14.7096% | 843 |
| Retained earnings to average equity (ytd only) | 7.5359% | 1,602 |
| Net charge-offs to loans | 0.0738% | 1,765 |
| Credit loss provision to net charge-offs | 221.3115% | 1,214 |
| Earnings coverage of net charge-offs (x) | 52.2139% | 1,154 |
| Efficiency ratio | 57.4937% | 4,003 |
| Assets per employee ($millions) | 3.8073% | 4,155 |
| Cash dividends to net income (ytd only)* | 48.7688% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 306 |
| Loan loss allowance to noncurrent loans | 336.1619% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 2,766 |
| Noncurrent loans to loans | 0.6734% | 2,271 |
| Net loans and leases to total assets | 62.1267% | 3,483 |
| Net loans and leases to deposits | 74.8532% | 3,399 |
| Net loans and leases to core deposits | 79.1029% | 3,460 |
| Total domestic deposits to total assets | 82.9980% | 3,171 |
| Equity capital to assets | 16.5471% | 550 |
| Core capital (leverage) ratio | 16.8333% | 460 |
| Tier 1 risk-based capital ratio | 27.7786% | 587 |
| Total risk-based capital ratio | 29.0427% | 576 |
| Memoranda: | ||
| Average total assets | $179,042,750 | 3,054 |
| Average earning assets | $164,497,750 | 3,075 |
| Average equity | $27,972,000 | 2,514 |
| Average total loans | $110,242,000 | 3,119 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 662 |
| Cost of funding earning assets | 0.3624% | 4,641 |
| Net interest margin | 5.0516% | 257 |
| Noninterest income to average assets | 0.8801% | 1,122 |
| Noninterest expense to average assets | 3.2009% | 1,504 |
| Loan and lease loss provision to assets | 0.1005% | 1,864 |
| Net operating income to assets | 2.2181% | 256 |
| Return on assets (ROA) | 2.2482% | 243 |
| Pretax return on assets | 2.2482% | 394 |
| Return on Equity (ROE) | 14.6795% | 832 |
| Retained earnings to average equity (ytd only) | 5.4401% | 2,547 |
| Net charge-offs to loans | 0.1100% | 1,310 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 1,351 |
| Efficiency ratio | 57.9927% | 4,014 |
| Assets per employee ($millions) | 4.0296% | 3,827 |
| Cash dividends to net income (ytd only)* | 62.9409% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 297 |
| Loan loss allowance to noncurrent loans | 478.4499% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 2,858 |
| Noncurrent loans to loans | 0.4797% | 2,839 |
| Net loans and leases to total assets | 59.4254% | 3,792 |
| Net loans and leases to deposits | 70.8134% | 3,780 |
| Net loans and leases to core deposits | 74.8852% | 3,825 |
| Total domestic deposits to total assets | 83.9183% | 2,901 |
| Equity capital to assets | 15.8021% | 651 |
| Core capital (leverage) ratio | 16.3034% | 509 |
| Tier 1 risk-based capital ratio | 27.1255% | 608 |
| Total risk-based capital ratio | 28.3889% | 597 |
| Memoranda: | ||
| Average total assets | $179,075,670 | 3,068 |
| Average earning assets | $164,462,000 | 3,088 |
| Average equity | $27,426,000 | 2,536 |
| Average total loans | $109,073,670 | 3,154 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3334% | 713 |
| Cost of funding earning assets | 0.3469% | 4,690 |
| Net interest margin | 4.9865% | 286 |
| Noninterest income to average assets | 1.0430% | 733 |
| Noninterest expense to average assets | 3.2077% | 1,479 |
| Loan and lease loss provision to assets | 0.1012% | 1,736 |
| Net operating income to assets | 2.3220% | 216 |
| Return on assets (ROA) | 2.3220% | 227 |
| Pretax return on assets | 2.3220% | 343 |
| Return on Equity (ROE) | 15.4110% | 677 |
| Retained earnings to average equity (ytd only) | 0.0448% | 4,521 |
| Net charge-offs to loans | 0.0295% | 1,869 |
| Credit loss provision to net charge-offs | 562.5000% | 566 |
| Earnings coverage of net charge-offs (x) | 134.7500% | 546 |
| Efficiency ratio | 56.9661% | 4,219 |
| Assets per employee ($millions) | 4.0045% | 3,913 |
| Cash dividends to net income (ytd only)* | 99.7096% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3727% | 276 |
| Loan loss allowance to noncurrent loans | 307.6364% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 2,334 |
| Noncurrent loans to loans | 0.7713% | 2,104 |
| Net loans and leases to total assets | 57.9503% | 3,900 |
| Net loans and leases to deposits | 68.4561% | 3,888 |
| Net loans and leases to core deposits | 72.3134% | 3,921 |
| Total domestic deposits to total assets | 84.6532% | 2,799 |
| Equity capital to assets | 15.1198% | 732 |
| Core capital (leverage) ratio | 15.6821% | 575 |
| Tier 1 risk-based capital ratio | 25.9486% | 689 |
| Total risk-based capital ratio | 27.2131% | 673 |
| Memoranda: | ||
| Average total assets | $177,948,500 | 3,109 |
| Average earning assets | $163,722,000 | 3,130 |
| Average equity | $26,812,000 | 2,585 |
| Average total loans | $108,467,000 | 3,188 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 554 |
| Cost of funding earning assets | 0.2933% | 4,602 |
| Net interest margin | 5.0343% | 249 |
| Noninterest income to average assets | 0.7729% | 1,558 |
| Noninterest expense to average assets | 3.4154% | 1,124 |
| Loan and lease loss provision to assets | 0.1163% | 1,893 |
| Net operating income to assets | 1.8627% | 489 |
| Return on assets (ROA) | 1.8685% | 481 |
| Pretax return on assets | 1.8685% | 775 |
| Return on Equity (ROE) | 12.7233% | 1,457 |
| Retained earnings to average equity (ytd only) | 6.1340% | 2,126 |
| Net charge-offs to loans | 0.4510% | 401 |
| Credit loss provision to net charge-offs | 40.8998% | 3,277 |
| Earnings coverage of net charge-offs (x) | 6.9591% | 3,030 |
| Efficiency ratio | 63.3139% | 3,283 |
| Assets per employee ($millions) | 3.9044% | 4,033 |
| Cash dividends to net income (ytd only)* | 51.7896% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2743% | 289 |
| Loan loss allowance to noncurrent loans | 253.6511% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 2,111 |
| Noncurrent loans to loans | 0.8966% | 1,792 |
| Net loans and leases to total assets | 61.1670% | 3,653 |
| Net loans and leases to deposits | 72.2445% | 3,652 |
| Net loans and leases to core deposits | 76.5605% | 3,675 |
| Total domestic deposits to total assets | 84.6667% | 2,780 |
| Equity capital to assets | 15.0134% | 705 |
| Core capital (leverage) ratio | 15.8824% | 528 |
| Tier 1 risk-based capital ratio | 25.7431% | 690 |
| Total risk-based capital ratio | 27.0066% | 673 |
| Memoranda: | ||
| Average total assets | $171,955,200 | 3,151 |
| Average earning assets | $157,858,600 | 3,161 |
| Average equity | $25,252,800 | 2,631 |
| Average total loans | $108,416,800 | 3,158 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3325% | 499 |
| Cost of funding earning assets | 0.2793% | 4,638 |
| Net interest margin | 5.0532% | 237 |
| Noninterest income to average assets | 0.7484% | 1,682 |
| Noninterest expense to average assets | 3.4100% | 1,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.9654% | 416 |
| Return on assets (ROA) | 1.9654% | 411 |
| Pretax return on assets | 1.9654% | 683 |
| Return on Equity (ROE) | 13.4603% | 1,281 |
| Retained earnings to average equity (ytd only) | 6.2683% | 2,503 |
| Net charge-offs to loans | 0.2320% | 736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.4096% | 2,362 |
| Efficiency ratio | 63.4373% | 3,274 |
| Assets per employee ($millions) | 3.8921% | 4,051 |
| Cash dividends to net income (ytd only)* | 53.4313% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3664% | 281 |
| Loan loss allowance to noncurrent loans | 255.8505% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 2,189 |
| Noncurrent loans to loans | 0.9249% | 1,844 |
| Net loans and leases to total assets | 61.2955% | 3,721 |
| Net loans and leases to deposits | 71.9911% | 3,768 |
| Net loans and leases to core deposits | 76.2878% | 3,782 |
| Total domestic deposits to total assets | 85.1432% | 2,552 |
| Equity capital to assets | 14.4863% | 829 |
| Core capital (leverage) ratio | 15.9304% | 527 |
| Tier 1 risk-based capital ratio | 25.2187% | 732 |
| Total risk-based capital ratio | 26.4831% | 718 |
| Memoranda: | ||
| Average total assets | $171,020,000 | 3,187 |
| Average earning assets | $156,596,500 | 3,200 |
| Average equity | $24,971,500 | 2,663 |
| Average total loans | $108,028,750 | 3,193 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2672% | 502 |
| Cost of funding earning assets | 0.2696% | 4,637 |
| Net interest margin | 4.9977% | 244 |
| Noninterest income to average assets | 0.7274% | 1,754 |
| Noninterest expense to average assets | 3.4354% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8816% | 490 |
| Return on assets (ROA) | 1.8816% | 486 |
| Pretax return on assets | 1.8816% | 811 |
| Return on Equity (ROE) | 12.8513% | 1,423 |
| Retained earnings to average equity (ytd only) | 3.9214% | 3,646 |
| Net charge-offs to loans | 0.3371% | 477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.8177% | 2,441 |
| Efficiency ratio | 64.6120% | 3,228 |
| Assets per employee ($millions) | 3.7272% | 4,320 |
| Cash dividends to net income (ytd only)* | 69.4862% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3888% | 281 |
| Loan loss allowance to noncurrent loans | 281.7495% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 2,351 |
| Noncurrent loans to loans | 0.8479% | 2,026 |
| Net loans and leases to total assets | 62.1806% | 3,581 |
| Net loans and leases to deposits | 73.0237% | 3,629 |
| Net loans and leases to core deposits | 77.2684% | 3,639 |
| Total domestic deposits to total assets | 85.1513% | 2,619 |
| Equity capital to assets | 14.5425% | 798 |
| Core capital (leverage) ratio | 15.3550% | 601 |
| Tier 1 risk-based capital ratio | 24.9715% | 735 |
| Total risk-based capital ratio | 26.2371% | 719 |
| Memoranda: | ||
| Average total assets | $169,645,000 | 3,221 |
| Average earning assets | $155,793,000 | 3,223 |
| Average equity | $24,838,000 | 2,677 |
| Average total loans | $107,385,670 | 3,215 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 543 |
| Cost of funding earning assets | 0.2685% | 4,592 |
| Net interest margin | 4.8803% | 293 |
| Noninterest income to average assets | 0.6898% | 1,880 |
| Noninterest expense to average assets | 3.4514% | 1,081 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7186% | 664 |
| Return on assets (ROA) | 1.7186% | 673 |
| Pretax return on assets | 1.7186% | 1,069 |
| Return on Equity (ROE) | 11.6980% | 1,686 |
| Retained earnings to average equity (ytd only) | -2.3557% | 5,040 |
| Net charge-offs to loans | 0.0751% | 1,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 36.2500% | 1,121 |
| Efficiency ratio | 66.7584% | 3,038 |
| Assets per employee ($millions) | 3.6948% | 4,422 |
| Cash dividends to net income (ytd only)* | 120.1379% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6007% | 230 |
| Loan loss allowance to noncurrent loans | 243.6236% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 2,142 |
| Noncurrent loans to loans | 1.0675% | 1,714 |
| Net loans and leases to total assets | 59.7390% | 3,775 |
| Net loans and leases to deposits | 69.7156% | 3,813 |
| Net loans and leases to core deposits | 73.6860% | 3,844 |
| Total domestic deposits to total assets | 85.6896% | 2,678 |
| Equity capital to assets | 14.0662% | 876 |
| Core capital (leverage) ratio | 15.2044% | 616 |
| Tier 1 risk-based capital ratio | 24.6548% | 776 |
| Total risk-based capital ratio | 25.9224% | 760 |
| Memoranda: | ||
| Average total assets | $168,743,000 | 3,261 |
| Average earning assets | $154,908,000 | 3,267 |
| Average equity | $24,790,500 | 2,702 |
| Average total loans | $106,470,000 | 3,252 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 447 |
| Cost of funding earning assets | 0.2654% | 4,433 |
| Net interest margin | 4.9330% | 266 |
| Noninterest income to average assets | 0.7952% | 1,581 |
| Noninterest expense to average assets | 3.4573% | 1,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.8626% | 365 |
| Return on assets (ROA) | 1.8626% | 371 |
| Pretax return on assets | 1.8626% | 659 |
| Return on Equity (ROE) | 12.2966% | 1,129 |
| Retained earnings to average equity (ytd only) | 4.7195% | 2,312 |
| Net charge-offs to loans | 0.2000% | 1,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.5359% | 2,322 |
| Efficiency ratio | 64.9879% | 3,449 |
| Assets per employee ($millions) | 3.4857% | 4,717 |
| Cash dividends to net income (ytd only)* | 61.6195% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6215% | 215 |
| Loan loss allowance to noncurrent loans | 217.9688% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 1,716 |
| Noncurrent loans to loans | 1.2027% | 1,473 |
| Net loans and leases to total assets | 63.2605% | 3,458 |
| Net loans and leases to deposits | 75.0230% | 3,428 |
| Net loans and leases to core deposits | 79.2668% | 3,478 |
| Total domestic deposits to total assets | 84.3215% | 3,089 |
| Equity capital to assets | 15.3538% | 612 |
| Core capital (leverage) ratio | 16.1724% | 452 |
| Tier 1 risk-based capital ratio | 25.1616% | 715 |
| Total risk-based capital ratio | 26.4300% | 699 |
| Memoranda: | ||
| Average total assets | $163,102,800 | 3,311 |
| Average earning assets | $149,606,000 | 3,328 |
| Average equity | $24,706,000 | 2,695 |
| Average total loans | $104,475,000 | 3,273 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1622% | 446 |
| Cost of funding earning assets | 0.2633% | 4,449 |
| Net interest margin | 4.8989% | 276 |
| Noninterest income to average assets | 0.7791% | 1,669 |
| Noninterest expense to average assets | 3.3529% | 1,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9183% | 372 |
| Return on assets (ROA) | 1.9183% | 377 |
| Pretax return on assets | 1.9183% | 656 |
| Return on Equity (ROE) | 12.7074% | 1,119 |
| Retained earnings to average equity (ytd only) | 5.3616% | 2,636 |
| Net charge-offs to loans | 0.1590% | 1,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 18.9032% | 2,024 |
| Efficiency ratio | 63.6081% | 3,623 |
| Assets per employee ($millions) | 3.4755% | 4,760 |
| Cash dividends to net income (ytd only)* | 57.8070% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6924% | 209 |
| Loan loss allowance to noncurrent loans | 197.5945% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 1,533 |
| Noncurrent loans to loans | 1.3626% | 1,379 |
| Net loans and leases to total assets | 63.6117% | 3,469 |
| Net loans and leases to deposits | 75.6836% | 3,404 |
| Net loans and leases to core deposits | 79.5116% | 3,489 |
| Total domestic deposits to total assets | 84.0495% | 3,109 |
| Equity capital to assets | 15.5728% | 618 |
| Core capital (leverage) ratio | 15.8716% | 510 |
| Tier 1 risk-based capital ratio | 25.1866% | 730 |
| Total risk-based capital ratio | 26.4558% | 717 |
| Memoranda: | ||
| Average total assets | $162,921,250 | 3,344 |
| Average earning assets | $149,389,500 | 3,357 |
| Average equity | $24,594,000 | 2,723 |
| Average total loans | $103,986,500 | 3,309 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0988% | 474 |
| Cost of funding earning assets | 0.2589% | 4,470 |
| Net interest margin | 4.8399% | 295 |
| Noninterest income to average assets | 0.7679% | 1,695 |
| Noninterest expense to average assets | 3.3137% | 1,345 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9093% | 366 |
| Return on assets (ROA) | 1.9093% | 377 |
| Pretax return on assets | 1.9093% | 635 |
| Return on Equity (ROE) | 12.7835% | 1,091 |
| Retained earnings to average equity (ytd only) | 3.6031% | 3,562 |
| Net charge-offs to loans | 0.2465% | 830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.2362% | 2,210 |
| Efficiency ratio | 63.4439% | 3,771 |
| Assets per employee ($millions) | 3.5047% | 4,714 |
| Cash dividends to net income (ytd only)* | 71.8147% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7404% | 211 |
| Loan loss allowance to noncurrent loans | 156.5123% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 1,241 |
| Noncurrent loans to loans | 1.7509% | 1,035 |
| Net loans and leases to total assets | 61.8811% | 3,644 |
| Net loans and leases to deposits | 73.1951% | 3,627 |
| Net loans and leases to core deposits | 76.8425% | 3,691 |
| Total domestic deposits to total assets | 84.5428% | 2,996 |
| Equity capital to assets | 15.1555% | 680 |
| Core capital (leverage) ratio | 15.2272% | 589 |
| Tier 1 risk-based capital ratio | 24.9456% | 754 |
| Total risk-based capital ratio | 26.2155% | 734 |
| Memoranda: | ||
| Average total assets | $162,778,670 | 3,362 |
| Average earning assets | $149,839,000 | 3,372 |
| Average equity | $24,312,670 | 2,747 |
| Average total loans | $103,054,000 | 3,338 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 535 |
| Cost of funding earning assets | 0.2570% | 4,478 |
| Net interest margin | 4.7299% | 358 |
| Noninterest income to average assets | 0.7540% | 1,730 |
| Noninterest expense to average assets | 3.3249% | 1,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7972% | 451 |
| Return on assets (ROA) | 1.7972% | 465 |
| Pretax return on assets | 1.7972% | 811 |
| Return on Equity (ROE) | 12.1232% | 1,200 |
| Retained earnings to average equity (ytd only) | -2.5014% | 5,220 |
| Net charge-offs to loans | 0.3562% | 514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.9890% | 2,094 |
| Efficiency ratio | 64.9131% | 3,674 |
| Assets per employee ($millions) | 3.7638% | 4,392 |
| Cash dividends to net income (ytd only)* | 120.6327% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8798% | 203 |
| Loan loss allowance to noncurrent loans | 225.9518% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 1,867 |
| Noncurrent loans to loans | 1.2745% | 1,581 |
| Net loans and leases to total assets | 59.2195% | 3,864 |
| Net loans and leases to deposits | 69.4647% | 3,859 |
| Net loans and leases to core deposits | 72.9858% | 3,917 |
| Total domestic deposits to total assets | 85.2511% | 2,983 |
| Equity capital to assets | 14.5188% | 749 |
| Core capital (leverage) ratio | 15.1710% | 576 |
| Tier 1 risk-based capital ratio | 24.9421% | 777 |
| Total risk-based capital ratio | 26.2136% | 758 |
| Memoranda: | ||
| Average total assets | $161,808,500 | 3,405 |
| Average earning assets | $149,431,000 | 3,409 |
| Average equity | $23,987,000 | 2,794 |
| Average total loans | $102,180,000 | 3,380 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 511 |
| Cost of funding earning assets | 0.2696% | 4,369 |
| Net interest margin | 4.8199% | 336 |
| Noninterest income to average assets | 0.7719% | 1,873 |
| Noninterest expense to average assets | 3.2378% | 1,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.0077% | 311 |
| Return on assets (ROA) | 2.0313% | 307 |
| Pretax return on assets | 2.0313% | 460 |
| Return on Equity (ROE) | 13.7711% | 814 |
| Retained earnings to average equity (ytd only) | 7.0311% | 1,216 |
| Net charge-offs to loans | -0.0395% | 5,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7256% | 4,302 |
| Assets per employee ($millions) | 3.6747% | 4,513 |
| Cash dividends to net income (ytd only)* | 48.9427% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9009% | 196 |
| Loan loss allowance to noncurrent loans | 141.7297% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.5885% | 1,013 |
| Noncurrent loans to loans | 2.0468% | 874 |
| Net loans and leases to total assets | 63.5285% | 3,414 |
| Net loans and leases to deposits | 75.0172% | 3,413 |
| Net loans and leases to core deposits | 79.2018% | 3,464 |
| Total domestic deposits to total assets | 84.6852% | 3,176 |
| Equity capital to assets | 15.1445% | 619 |
| Core capital (leverage) ratio | 15.2789% | 566 |
| Tier 1 risk-based capital ratio | 25.1980% | 754 |
| Total risk-based capital ratio | 26.4706% | 738 |
| Memoranda: | ||
| Average total assets | $160,634,400 | 3,388 |
| Average earning assets | $149,091,600 | 3,381 |
| Average equity | $23,694,600 | 2,824 |
| Average total loans | $101,249,800 | 3,362 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 522 |
| Cost of funding earning assets | 0.2690% | 4,399 |
| Net interest margin | 4.8083% | 359 |
| Noninterest income to average assets | 0.7886% | 1,810 |
| Noninterest expense to average assets | 3.2049% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0460% | 317 |
| Return on assets (ROA) | 2.0774% | 315 |
| Pretax return on assets | 2.0774% | 486 |
| Return on Equity (ROE) | 14.1759% | 788 |
| Retained earnings to average equity (ytd only) | 6.9667% | 1,643 |
| Net charge-offs to loans | 0.0040% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 824.9800% | 111 |
| Efficiency ratio | 61.0359% | 4,384 |
| Assets per employee ($millions) | 3.7650% | 4,367 |
| Cash dividends to net income (ytd only)* | 50.8557% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8520% | 227 |
| Loan loss allowance to noncurrent loans | 271.9411% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 2,217 |
| Noncurrent loans to loans | 1.0488% | 2,143 |
| Net loans and leases to total assets | 62.1953% | 3,622 |
| Net loans and leases to deposits | 73.6670% | 3,627 |
| Net loans and leases to core deposits | 78.2528% | 3,644 |
| Total domestic deposits to total assets | 84.4276% | 3,054 |
| Equity capital to assets | 15.2105% | 689 |
| Core capital (leverage) ratio | 15.1029% | 609 |
| Tier 1 risk-based capital ratio | 24.6697% | 844 |
| Total risk-based capital ratio | 25.9421% | 830 |
| Memoranda: | ||
| Average total assets | $161,290,250 | 3,402 |
| Average earning assets | $149,681,500 | 3,390 |
| Average equity | $23,635,750 | 2,853 |
| Average total loans | $100,717,000 | 3,383 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 584 |
| Cost of funding earning assets | 0.2681% | 4,465 |
| Net interest margin | 4.7418% | 403 |
| Noninterest income to average assets | 0.7772% | 1,821 |
| Noninterest expense to average assets | 3.2516% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9393% | 371 |
| Return on assets (ROA) | 1.9865% | 354 |
| Pretax return on assets | 1.9865% | 582 |
| Return on Equity (ROE) | 13.7304% | 878 |
| Retained earnings to average equity (ytd only) | 4.8142% | 2,860 |
| Net charge-offs to loans | 0.0201% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 156.2000% | 398 |
| Efficiency ratio | 62.6405% | 4,242 |
| Assets per employee ($millions) | 3.7409% | 4,375 |
| Cash dividends to net income (ytd only)* | 64.9375% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9584% | 207 |
| Loan loss allowance to noncurrent loans | 319.8482% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 2,454 |
| Noncurrent loans to loans | 0.9249% | 2,421 |
| Net loans and leases to total assets | 60.1355% | 3,866 |
| Net loans and leases to deposits | 70.8311% | 3,906 |
| Net loans and leases to core deposits | 75.4803% | 3,868 |
| Total domestic deposits to total assets | 84.8999% | 2,923 |
| Equity capital to assets | 14.8179% | 782 |
| Core capital (leverage) ratio | 14.5064% | 709 |
| Tier 1 risk-based capital ratio | 25.0244% | 808 |
| Total risk-based capital ratio | 26.2979% | 794 |
| Memoranda: | ||
| Average total assets | $161,088,670 | 3,422 |
| Average earning assets | $149,944,330 | 3,402 |
| Average equity | $23,306,000 | 2,888 |
| Average total loans | $99,740,330 | 3,415 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 594 |
| Cost of funding earning assets | 0.2684% | 4,517 |
| Net interest margin | 4.7199% | 413 |
| Noninterest income to average assets | 0.8263% | 1,535 |
| Noninterest expense to average assets | 3.2903% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.9429% | 370 |
| Return on assets (ROA) | 1.9429% | 393 |
| Pretax return on assets | 1.9429% | 639 |
| Return on Equity (ROE) | 13.5932% | 911 |
| Retained earnings to average equity (ytd only) | -0.2778% | 5,157 |
| Net charge-offs to loans | -0.0120% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8734% | 4,316 |
| Assets per employee ($millions) | 3.8417% | 4,225 |
| Cash dividends to net income (ytd only)* | 102.0434% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9919% | 226 |
| Loan loss allowance to noncurrent loans | 267.8119% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 2,410 |
| Noncurrent loans to loans | 1.1171% | 2,163 |
| Net loans and leases to total assets | 58.1377% | 4,029 |
| Net loans and leases to deposits | 67.7875% | 4,082 |
| Net loans and leases to core deposits | 72.0669% | 4,061 |
| Total domestic deposits to total assets | 85.7646% | 2,778 |
| Equity capital to assets | 14.0447% | 968 |
| Core capital (leverage) ratio | 14.2399% | 747 |
| Tier 1 risk-based capital ratio | 24.0479% | 912 |
| Total risk-based capital ratio | 25.3212% | 894 |
| Memoranda: | ||
| Average total assets | $161,203,000 | 3,431 |
| Average earning assets | $150,513,000 | 3,419 |
| Average equity | $23,041,000 | 2,921 |
| Average total loans | $99,769,000 | 3,425 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1705% | 452 |
| Cost of funding earning assets | 0.3108% | 4,132 |
| Net interest margin | 4.8597% | 322 |
| Noninterest income to average assets | 0.8046% | 1,770 |
| Noninterest expense to average assets | 3.1746% | 2,024 |
| Loan and lease loss provision to assets | 0.1105% | 2,150 |
| Net operating income to assets | 2.0518% | 320 |
| Return on assets (ROA) | 2.0531% | 329 |
| Pretax return on assets | 2.0531% | 484 |
| Return on Equity (ROE) | 14.8361% | 712 |
| Retained earnings to average equity (ytd only) | 8.2691% | 833 |
| Net charge-offs to loans | 0.1321% | 2,048 |
| Credit loss provision to net charge-offs | 131.5789% | 1,990 |
| Earnings coverage of net charge-offs (x) | 25.7444% | 1,620 |
| Efficiency ratio | 59.4841% | 4,973 |
| Assets per employee ($millions) | 3.7431% | 4,385 |
| Cash dividends to net income (ytd only)* | 44.2633% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9432% | 237 |
| Loan loss allowance to noncurrent loans | 221.9805% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1558% | 1,881 |
| Noncurrent loans to loans | 1.3259% | 1,779 |
| Net loans and leases to total assets | 62.0671% | 3,557 |
| Net loans and leases to deposits | 72.7703% | 3,641 |
| Net loans and leases to core deposits | 77.2300% | 3,635 |
| Total domestic deposits to total assets | 85.2918% | 2,958 |
| Equity capital to assets | 14.5542% | 756 |
| Core capital (leverage) ratio | 14.7161% | 669 |
| Tier 1 risk-based capital ratio | 24.4124% | 871 |
| Total risk-based capital ratio | 25.6862% | 851 |
| Memoranda: | ||
| Average total assets | $158,348,800 | 3,454 |
| Average earning assets | $147,683,200 | 3,438 |
| Average equity | $21,912,800 | 2,984 |
| Average total loans | $100,711,200 | 3,374 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0393% | 570 |
| Cost of funding earning assets | 0.3177% | 4,136 |
| Net interest margin | 4.7216% | 439 |
| Noninterest income to average assets | 0.7943% | 1,823 |
| Noninterest expense to average assets | 3.1712% | 2,046 |
| Loan and lease loss provision to assets | 0.1471% | 1,484 |
| Net operating income to assets | 1.8726% | 448 |
| Return on assets (ROA) | 1.8743% | 464 |
| Pretax return on assets | 1.8743% | 761 |
| Return on Equity (ROE) | 13.7202% | 959 |
| Retained earnings to average equity (ytd only) | 6.8355% | 1,769 |
| Net charge-offs to loans | 0.0662% | 2,630 |
| Credit loss provision to net charge-offs | 350.0000% | 839 |
| Earnings coverage of net charge-offs (x) | 48.0564% | 1,087 |
| Efficiency ratio | 61.0913% | 4,714 |
| Assets per employee ($millions) | 3.7343% | 4,384 |
| Cash dividends to net income (ytd only)* | 50.1793% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9785% | 248 |
| Loan loss allowance to noncurrent loans | 130.7825% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.8439% | 1,144 |
| Noncurrent loans to loans | 2.2774% | 945 |
| Net loans and leases to total assets | 63.1801% | 3,421 |
| Net loans and leases to deposits | 74.0225% | 3,547 |
| Net loans and leases to core deposits | 78.5663% | 3,555 |
| Total domestic deposits to total assets | 85.3525% | 2,847 |
| Equity capital to assets | 14.3134% | 911 |
| Core capital (leverage) ratio | 14.1643% | 822 |
| Tier 1 risk-based capital ratio | 23.5780% | 991 |
| Total risk-based capital ratio | 24.8520% | 975 |
| Memoranda: | ||
| Average total assets | $158,633,000 | 3,482 |
| Average earning assets | $147,714,750 | 3,469 |
| Average equity | $21,670,750 | 3,024 |
| Average total loans | $100,755,000 | 3,408 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 690 |
| Cost of funding earning assets | 0.3199% | 4,158 |
| Net interest margin | 4.6049% | 529 |
| Noninterest income to average assets | 0.8441% | 1,624 |
| Noninterest expense to average assets | 3.1275% | 2,171 |
| Loan and lease loss provision to assets | 0.1884% | 1,063 |
| Net operating income to assets | 1.8137% | 502 |
| Return on assets (ROA) | 1.8162% | 516 |
| Pretax return on assets | 1.8162% | 867 |
| Return on Equity (ROE) | 13.5069% | 1,013 |
| Retained earnings to average equity (ytd only) | 5.2963% | 2,675 |
| Net charge-offs to loans | 0.0379% | 2,923 |
| Credit loss provision to net charge-offs | 789.4737% | 435 |
| Earnings coverage of net charge-offs (x) | 83.8947% | 679 |
| Efficiency ratio | 60.9696% | 4,832 |
| Assets per employee ($millions) | 3.7006% | 4,426 |
| Cash dividends to net income (ytd only)* | 60.7884% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9728% | 275 |
| Loan loss allowance to noncurrent loans | 114.9755% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 2.1203% | 1,011 |
| Noncurrent loans to loans | 2.5856% | 854 |
| Net loans and leases to total assets | 62.5161% | 3,475 |
| Net loans and leases to deposits | 72.5819% | 3,665 |
| Net loans and leases to core deposits | 76.9272% | 3,674 |
| Total domestic deposits to total assets | 86.1318% | 2,619 |
| Equity capital to assets | 13.5835% | 1,131 |
| Core capital (leverage) ratio | 13.6583% | 941 |
| Tier 1 risk-based capital ratio | 22.9181% | 1,096 |
| Total risk-based capital ratio | 24.1925% | 1,065 |
| Memoranda: | ||
| Average total assets | $159,231,000 | 3,499 |
| Average earning assets | $148,191,000 | 3,485 |
| Average equity | $21,411,330 | 3,068 |
| Average total loans | $100,295,670 | 3,440 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 861 |
| Cost of funding earning assets | 0.3257% | 4,157 |
| Net interest margin | 4.4757% | 630 |
| Noninterest income to average assets | 0.8162% | 1,654 |
| Noninterest expense to average assets | 3.0813% | 2,334 |
| Loan and lease loss provision to assets | 0.1883% | 1,000 |
| Net operating income to assets | 1.7227% | 562 |
| Return on assets (ROA) | 1.7277% | 584 |
| Pretax return on assets | 1.7277% | 997 |
| Return on Equity (ROE) | 12.9144% | 1,118 |
| Retained earnings to average equity (ytd only) | 0.1689% | 5,318 |
| Net charge-offs to loans | -0.0121% | 4,807 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7203% | 4,841 |
| Assets per employee ($millions) | 3.7723% | 4,387 |
| Cash dividends to net income (ytd only)* | 98.6919% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0403% | 287 |
| Loan loss allowance to noncurrent loans | 107.5018% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 2.2113% | 1,041 |
| Noncurrent loans to loans | 2.8282% | 807 |
| Net loans and leases to total assets | 58.8829% | 3,817 |
| Net loans and leases to deposits | 68.0430% | 3,950 |
| Net loans and leases to core deposits | 72.0148% | 3,959 |
| Total domestic deposits to total assets | 86.5378% | 2,642 |
| Equity capital to assets | 13.2168% | 1,296 |
| Core capital (leverage) ratio | 13.3706% | 1,025 |
| Tier 1 risk-based capital ratio | 22.4857% | 1,172 |
| Total risk-based capital ratio | 23.7598% | 1,155 |
| Memoranda: | ||
| Average total assets | $159,283,000 | 3,517 |
| Average earning assets | $148,624,000 | 3,489 |
| Average equity | $21,309,500 | 3,096 |
| Average total loans | $99,179,500 | 3,471 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 597 |
| Cost of funding earning assets | 0.3722% | 4,008 |
| Net interest margin | 4.7586% | 471 |
| Noninterest income to average assets | 0.8692% | 1,607 |
| Noninterest expense to average assets | 3.1929% | 2,232 |
| Loan and lease loss provision to assets | 0.1922% | 1,334 |
| Net operating income to assets | 1.8984% | 391 |
| Return on assets (ROA) | 1.8984% | 410 |
| Pretax return on assets | 1.8984% | 646 |
| Return on Equity (ROE) | 14.2927% | 881 |
| Retained earnings to average equity (ytd only) | -2.2712% | 6,039 |
| Net charge-offs to loans | 0.2367% | 1,786 |
| Credit loss provision to net charge-offs | 127.6596% | 1,874 |
| Earnings coverage of net charge-offs (x) | 13.8894% | 2,229 |
| Efficiency ratio | 60.4316% | 5,157 |
| Assets per employee ($millions) | 3.5535% | 4,815 |
| Cash dividends to net income (ytd only)* | 115.8907% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9214% | 327 |
| Loan loss allowance to noncurrent loans | 95.3580% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.4598% | 943 |
| Noncurrent loans to loans | 3.0636% | 732 |
| Net loans and leases to total assets | 61.9951% | 3,502 |
| Net loans and leases to deposits | 71.8373% | 3,701 |
| Net loans and leases to core deposits | 76.2238% | 3,684 |
| Total domestic deposits to total assets | 86.2992% | 2,672 |
| Equity capital to assets | 13.5460% | 1,143 |
| Core capital (leverage) ratio | 13.7792% | 871 |
| Tier 1 risk-based capital ratio | 22.6393% | 1,128 |
| Total risk-based capital ratio | 23.9120% | 1,110 |
| Memoranda: | ||
| Average total assets | $156,127,600 | 3,552 |
| Average earning assets | $144,831,800 | 3,525 |
| Average equity | $20,737,800 | 3,080 |
| Average total loans | $99,264,000 | 3,440 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 598 |
| Cost of funding earning assets | 0.3814% | 4,003 |
| Net interest margin | 4.7513% | 460 |
| Noninterest income to average assets | 0.8765% | 1,599 |
| Noninterest expense to average assets | 3.1498% | 2,325 |
| Loan and lease loss provision to assets | 0.2563% | 835 |
| Net operating income to assets | 1.8658% | 447 |
| Return on assets (ROA) | 1.8658% | 461 |
| Pretax return on assets | 1.8658% | 769 |
| Return on Equity (ROE) | 14.1169% | 962 |
| Retained earnings to average equity (ytd only) | -5.5007% | 6,276 |
| Net charge-offs to loans | 0.2502% | 1,543 |
| Credit loss provision to net charge-offs | 161.2903% | 1,503 |
| Earnings coverage of net charge-offs (x) | 13.3551% | 2,236 |
| Efficiency ratio | 59.7472% | 5,221 |
| Assets per employee ($millions) | 3.4680% | 4,920 |
| Cash dividends to net income (ytd only)* | 138.9652% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9828% | 366 |
| Loan loss allowance to noncurrent loans | 106.0801% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 2.4451% | 1,096 |
| Noncurrent loans to loans | 2.8118% | 987 |
| Net loans and leases to total assets | 63.2226% | 3,305 |
| Net loans and leases to deposits | 73.4124% | 3,506 |
| Net loans and leases to core deposits | 77.8289% | 3,554 |
| Total domestic deposits to total assets | 86.1198% | 2,792 |
| Equity capital to assets | 13.5250% | 1,173 |
| Core capital (leverage) ratio | 13.5382% | 984 |
| Tier 1 risk-based capital ratio | 22.8656% | 1,137 |
| Total risk-based capital ratio | 24.1405% | 1,111 |
| Memoranda: | ||
| Average total assets | $156,070,500 | 3,578 |
| Average earning assets | $144,379,000 | 3,567 |
| Average equity | $20,627,250 | 3,102 |
| Average total loans | $99,117,500 | 3,460 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 693 |
| Cost of funding earning assets | 0.3837% | 4,058 |
| Net interest margin | 4.6589% | 524 |
| Noninterest income to average assets | 0.8523% | 1,648 |
| Noninterest expense to average assets | 3.1635% | 2,299 |
| Loan and lease loss provision to assets | 0.3816% | 450 |
| Net operating income to assets | 1.6167% | 682 |
| Return on assets (ROA) | 1.6167% | 708 |
| Pretax return on assets | 1.6167% | 1,209 |
| Return on Equity (ROE) | 12.3256% | 1,345 |
| Retained earnings to average equity (ytd only) | -15.5549% | 6,505 |
| Net charge-offs to loans | 0.0707% | 2,997 |
| Credit loss provision to net charge-offs | 857.1429% | 382 |
| Earnings coverage of net charge-offs (x) | 44.8857% | 974 |
| Efficiency ratio | 61.2863% | 5,105 |
| Assets per employee ($millions) | 3.5765% | 4,703 |
| Cash dividends to net income (ytd only)* | 226.1998% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1279% | 330 |
| Loan loss allowance to noncurrent loans | 94.6553% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 2.5794% | 1,068 |
| Noncurrent loans to loans | 3.3045% | 841 |
| Net loans and leases to total assets | 61.3457% | 3,516 |
| Net loans and leases to deposits | 70.4293% | 3,763 |
| Net loans and leases to core deposits | 74.4819% | 3,788 |
| Total domestic deposits to total assets | 87.1025% | 2,401 |
| Equity capital to assets | 12.5613% | 1,608 |
| Core capital (leverage) ratio | 12.6557% | 1,302 |
| Tier 1 risk-based capital ratio | 22.2753% | 1,220 |
| Total risk-based capital ratio | 23.5525% | 1,198 |
| Memoranda: | ||
| Average total assets | $157,230,330 | 3,576 |
| Average earning assets | $145,443,000 | 3,576 |
| Average equity | $20,623,670 | 3,103 |
| Average total loans | $99,010,670 | 3,472 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 587 |
| Cost of funding earning assets | 0.3886% | 4,103 |
| Net interest margin | 4.7214% | 447 |
| Noninterest income to average assets | 0.8297% | 1,642 |
| Noninterest expense to average assets | 3.1381% | 2,410 |
| Loan and lease loss provision to assets | 0.3818% | 443 |
| Net operating income to assets | 1.6696% | 596 |
| Return on assets (ROA) | 1.6696% | 620 |
| Pretax return on assets | 1.6696% | 1,031 |
| Return on Equity (ROE) | 12.4644% | 1,291 |
| Retained earnings to average equity (ytd only) | 2.2421% | 4,708 |
| Net charge-offs to loans | -0.0608% | 5,897 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4708% | 5,339 |
| Assets per employee ($millions) | 3.5802% | 4,768 |
| Cash dividends to net income (ytd only)* | 82.0122% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1052% | 390 |
| Loan loss allowance to noncurrent loans | 104.3584% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.2960% | 1,427 |
| Noncurrent loans to loans | 2.9755% | 1,072 |
| Net loans and leases to total assets | 58.4344% | 3,775 |
| Net loans and leases to deposits | 67.5315% | 3,909 |
| Net loans and leases to core deposits | 71.3486% | 3,941 |
| Total domestic deposits to total assets | 86.5290% | 3,092 |
| Equity capital to assets | 13.1911% | 1,217 |
| Core capital (leverage) ratio | 13.9418% | 838 |
| Tier 1 risk-based capital ratio | 24.0145% | 999 |
| Total risk-based capital ratio | 25.2897% | 979 |
| Memoranda: | ||
| Average total assets | $157,163,500 | 3,604 |
| Average earning assets | $145,125,000 | 3,602 |
| Average equity | $21,052,000 | 3,045 |
| Average total loans | $98,689,500 | 3,496 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 1,238 |
| Cost of funding earning assets | 0.4757% | 3,857 |
| Net interest margin | 4.3601% | 976 |
| Noninterest income to average assets | 0.7933% | 2,108 |
| Noninterest expense to average assets | 3.1351% | 2,630 |
| Loan and lease loss provision to assets | 0.1880% | 1,964 |
| Net operating income to assets | 1.4908% | 841 |
| Return on assets (ROA) | 1.4783% | 910 |
| Pretax return on assets | 1.4783% | 1,515 |
| Return on Equity (ROE) | 11.2224% | 1,694 |
| Retained earnings to average equity (ytd only) | 3.9676% | 3,373 |
| Net charge-offs to loans | 0.0715% | 4,206 |
| Credit loss provision to net charge-offs | 428.5714% | 534 |
| Earnings coverage of net charge-offs (x) | 38.2714% | 984 |
| Efficiency ratio | 65.1263% | 4,708 |
| Assets per employee ($millions) | 3.4048% | 5,073 |
| Cash dividends to net income (ytd only)* | 64.6460% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8458% | 562 |
| Loan loss allowance to noncurrent loans | 124.1079% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 2.1133% | 1,694 |
| Noncurrent loans to loans | 2.2930% | 1,687 |
| Net loans and leases to total assets | 63.5480% | 3,125 |
| Net loans and leases to deposits | 73.6942% | 3,308 |
| Net loans and leases to core deposits | 78.0791% | 3,355 |
| Total domestic deposits to total assets | 86.2320% | 3,145 |
| Equity capital to assets | 13.6094% | 1,031 |
| Core capital (leverage) ratio | 13.8722% | 863 |
| Tier 1 risk-based capital ratio | 24.0612% | 944 |
| Total risk-based capital ratio | 25.3347% | 934 |
| Memoranda: | ||
| Average total assets | $159,580,400 | 3,565 |
| Average earning assets | $147,152,200 | 3,552 |
| Average equity | $21,020,400 | 3,037 |
| Average total loans | $97,934,400 | 3,501 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7702% | 1,417 |
| Cost of funding earning assets | 0.4893% | 3,875 |
| Net interest margin | 4.2809% | 1,140 |
| Noninterest income to average assets | 0.7991% | 2,150 |
| Noninterest expense to average assets | 2.9930% | 3,019 |
| Loan and lease loss provision to assets | 0.2482% | 1,441 |
| Net operating income to assets | 1.5097% | 879 |
| Return on assets (ROA) | 1.4932% | 958 |
| Pretax return on assets | 1.4932% | 1,633 |
| Return on Equity (ROE) | 11.4260% | 1,675 |
| Retained earnings to average equity (ytd only) | 4.0450% | 3,817 |
| Net charge-offs to loans | 0.0630% | 4,007 |
| Credit loss provision to net charge-offs | 652.1739% | 440 |
| Earnings coverage of net charge-offs (x) | 46.1970% | 910 |
| Efficiency ratio | 62.9984% | 4,991 |
| Assets per employee ($millions) | 3.5474% | 4,751 |
| Cash dividends to net income (ytd only)* | 64.5983% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9194% | 605 |
| Loan loss allowance to noncurrent loans | 84.5634% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 2.6529% | 1,423 |
| Noncurrent loans to loans | 3.4523% | 1,111 |
| Net loans and leases to total assets | 59.9104% | 3,709 |
| Net loans and leases to deposits | 69.2582% | 3,896 |
| Net loans and leases to core deposits | 73.0189% | 3,969 |
| Total domestic deposits to total assets | 86.5030% | 2,965 |
| Equity capital to assets | 13.0936% | 1,288 |
| Core capital (leverage) ratio | 13.5535% | 1,002 |
| Tier 1 risk-based capital ratio | 24.3279% | 950 |
| Total risk-based capital ratio | 25.6021% | 928 |
| Memoranda: | ||
| Average total assets | $161,171,000 | 3,579 |
| Average earning assets | $148,780,250 | 3,558 |
| Average equity | $21,062,500 | 3,070 |
| Average total loans | $97,363,250 | 3,544 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6640% | 1,667 |
| Cost of funding earning assets | 0.5078% | 3,828 |
| Net interest margin | 4.1562% | 1,391 |
| Noninterest income to average assets | 0.7694% | 2,330 |
| Noninterest expense to average assets | 2.9502% | 3,163 |
| Loan and lease loss provision to assets | 0.3711% | 878 |
| Net operating income to assets | 1.2852% | 1,361 |
| Return on assets (ROA) | 1.2605% | 1,526 |
| Pretax return on assets | 1.2605% | 2,445 |
| Return on Equity (ROE) | 9.6514% | 2,342 |
| Retained earnings to average equity (ytd only) | 0.3031% | 5,772 |
| Net charge-offs to loans | 0.1464% | 2,934 |
| Credit loss provision to net charge-offs | 422.5352% | 636 |
| Earnings coverage of net charge-offs (x) | 18.8592% | 1,536 |
| Efficiency ratio | 64.0440% | 4,866 |
| Assets per employee ($millions) | 3.5102% | 4,825 |
| Cash dividends to net income (ytd only)* | 96.8597% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9020% | 640 |
| Loan loss allowance to noncurrent loans | 86.3678% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 2.5491% | 1,649 |
| Noncurrent loans to loans | 3.3600% | 1,286 |
| Net loans and leases to total assets | 59.0772% | 3,815 |
| Net loans and leases to deposits | 67.9663% | 4,018 |
| Net loans and leases to core deposits | 71.5990% | 4,095 |
| Total domestic deposits to total assets | 86.9214% | 2,864 |
| Equity capital to assets | 12.7943% | 1,421 |
| Core capital (leverage) ratio | 12.8413% | 1,235 |
| Tier 1 risk-based capital ratio | 23.5793% | 1,051 |
| Total risk-based capital ratio | 24.8536% | 1,027 |
| Memoranda: | ||
| Average total assets | $161,683,000 | 3,586 |
| Average earning assets | $149,270,670 | 3,570 |
| Average equity | $21,116,000 | 3,083 |
| Average total loans | $96,979,670 | 3,564 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 1,804 |
| Cost of funding earning assets | 0.5342% | 3,733 |
| Net interest margin | 4.0735% | 1,548 |
| Noninterest income to average assets | 0.9098% | 1,726 |
| Noninterest expense to average assets | 2.9223% | 3,258 |
| Loan and lease loss provision to assets | 0.3709% | 862 |
| Net operating income to assets | 1.3870% | 1,055 |
| Return on assets (ROA) | 1.3375% | 1,280 |
| Pretax return on assets | 1.3375% | 2,088 |
| Return on Equity (ROE) | 10.1384% | 2,015 |
| Retained earnings to average equity (ytd only) | -4.9849% | 6,365 |
| Net charge-offs to loans | 0.2325% | 2,048 |
| Credit loss provision to net charge-offs | 267.8571% | 875 |
| Earnings coverage of net charge-offs (x) | 12.6964% | 1,579 |
| Efficiency ratio | 62.4406% | 5,247 |
| Assets per employee ($millions) | 3.6758% | 4,613 |
| Cash dividends to net income (ytd only)* | 149.1682% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8695% | 755 |
| Loan loss allowance to noncurrent loans | 101.2677% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 2.4339% | 1,899 |
| Noncurrent loans to loans | 2.8336% | 1,789 |
| Net loans and leases to total assets | 55.5791% | 4,158 |
| Net loans and leases to deposits | 63.9272% | 4,330 |
| Net loans and leases to core deposits | 67.2595% | 4,383 |
| Total domestic deposits to total assets | 86.9412% | 2,999 |
| Equity capital to assets | 12.8164% | 1,520 |
| Core capital (leverage) ratio | 12.6812% | 1,259 |
| Tier 1 risk-based capital ratio | 23.6734% | 1,065 |
| Total risk-based capital ratio | 24.9467% | 1,047 |
| Memoranda: | ||
| Average total assets | $161,789,500 | 3,617 |
| Average earning assets | $149,749,000 | 3,596 |
| Average equity | $21,344,500 | 3,097 |
| Average total loans | $96,348,000 | 3,606 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 1,061 |
| Cost of funding earning assets | 0.7317% | 3,240 |
| Net interest margin | 4.5002% | 950 |
| Noninterest income to average assets | 0.8845% | 1,918 |
| Noninterest expense to average assets | 3.0784% | 2,990 |
| Loan and lease loss provision to assets | 0.3252% | 2,097 |
| Net operating income to assets | 1.6904% | 630 |
| Return on assets (ROA) | 1.9071% | 473 |
| Pretax return on assets | 1.9071% | 747 |
| Return on Equity (ROE) | 14.8278% | 840 |
| Retained earnings to average equity (ytd only) | 8.9959% | 823 |
| Net charge-offs to loans | 0.4021% | 2,650 |
| Credit loss provision to net charge-offs | 128.9926% | 2,182 |
| Earnings coverage of net charge-offs (x) | 7.9951% | 2,500 |
| Efficiency ratio | 60.4329% | 5,481 |
| Assets per employee ($millions) | 3.5148% | 4,979 |
| Cash dividends to net income (ytd only)* | 39.3310% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6743% | 951 |
| Loan loss allowance to noncurrent loans | 96.7171% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 2.6706% | 1,808 |
| Noncurrent loans to loans | 2.7651% | 1,912 |
| Net loans and leases to total assets | 60.3309% | 3,544 |
| Net loans and leases to deposits | 70.0291% | 3,707 |
| Net loans and leases to core deposits | 73.8900% | 3,793 |
| Total domestic deposits to total assets | 86.1513% | 3,275 |
| Equity capital to assets | 13.5864% | 1,199 |
| Core capital (leverage) ratio | 13.0983% | 1,081 |
| Tier 1 risk-based capital ratio | 23.6805% | 1,008 |
| Total risk-based capital ratio | 24.9513% | 984 |
| Memoranda: | ||
| Average total assets | $161,445,200 | 3,598 |
| Average earning assets | $151,015,200 | 3,532 |
| Average equity | $20,765,000 | 3,108 |
| Average total loans | $101,208,800 | 3,488 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3641% | 898 |
| Cost of funding earning assets | 0.7596% | 3,274 |
| Net interest margin | 4.6044% | 812 |
| Noninterest income to average assets | 0.8283% | 2,128 |
| Noninterest expense to average assets | 3.0599% | 3,019 |
| Loan and lease loss provision to assets | 0.4314% | 1,471 |
| Net operating income to assets | 1.6450% | 770 |
| Return on assets (ROA) | 1.9326% | 487 |
| Pretax return on assets | 1.9326% | 810 |
| Return on Equity (ROE) | 15.2347% | 859 |
| Retained earnings to average equity (ytd only) | 10.2990% | 835 |
| Net charge-offs to loans | 0.5438% | 1,974 |
| Credit loss provision to net charge-offs | 126.2019% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.0746% | 2,857 |
| Efficiency ratio | 59.5745% | 5,564 |
| Assets per employee ($millions) | 3.4810% | 5,009 |
| Cash dividends to net income (ytd only)* | 32.3978% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5946% | 1,085 |
| Loan loss allowance to noncurrent loans | 93.7904% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 2.8496% | 1,844 |
| Noncurrent loans to loans | 2.7664% | 2,037 |
| Net loans and leases to total assets | 61.2620% | 3,522 |
| Net loans and leases to deposits | 70.9994% | 3,753 |
| Net loans and leases to core deposits | 74.8649% | 3,872 |
| Total domestic deposits to total assets | 86.2853% | 3,099 |
| Equity capital to assets | 13.2951% | 1,441 |
| Core capital (leverage) ratio | 12.6715% | 1,335 |
| Tier 1 risk-based capital ratio | 23.2083% | 1,144 |
| Total risk-based capital ratio | 24.4794% | 1,115 |
| Memoranda: | ||
| Average total assets | $162,265,000 | 3,613 |
| Average earning assets | $151,821,500 | 3,554 |
| Average equity | $20,584,000 | 3,159 |
| Average total loans | $101,999,750 | 3,514 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5064% | 714 |
| Cost of funding earning assets | 0.7724% | 3,426 |
| Net interest margin | 4.7340% | 626 |
| Noninterest income to average assets | 1.0333% | 1,368 |
| Noninterest expense to average assets | 3.1158% | 2,875 |
| Loan and lease loss provision to assets | 0.5522% | 1,114 |
| Net operating income to assets | 1.8027% | 561 |
| Return on assets (ROA) | 1.8101% | 620 |
| Pretax return on assets | 1.8101% | 1,022 |
| Return on Equity (ROE) | 14.4970% | 1,015 |
| Retained earnings to average equity (ytd only) | 8.3247% | 1,510 |
| Net charge-offs to loans | 0.1992% | 3,389 |
| Credit loss provision to net charge-offs | 441.1765% | 674 |
| Earnings coverage of net charge-offs (x) | 18.8137% | 1,464 |
| Efficiency ratio | 56.9538% | 6,010 |
| Assets per employee ($millions) | 3.5907% | 4,767 |
| Cash dividends to net income (ytd only)* | 42.5763% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7827% | 963 |
| Loan loss allowance to noncurrent loans | 122.1937% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 2.1226% | 2,637 |
| Noncurrent loans to loans | 2.2773% | 2,643 |
| Net loans and leases to total assets | 60.3250% | 3,764 |
| Net loans and leases to deposits | 69.3785% | 3,984 |
| Net loans and leases to core deposits | 73.0081% | 4,165 |
| Total domestic deposits to total assets | 86.9506% | 2,800 |
| Equity capital to assets | 12.6868% | 1,693 |
| Core capital (leverage) ratio | 11.9880% | 1,606 |
| Tier 1 risk-based capital ratio | 22.9449% | 1,139 |
| Total risk-based capital ratio | 24.2197% | 1,115 |
| Memoranda: | ||
| Average total assets | $162,977,670 | 3,616 |
| Average earning assets | $152,768,670 | 3,554 |
| Average equity | $20,349,000 | 3,183 |
| Average total loans | $102,429,670 | 3,505 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2326% | 1,246 |
| Cost of funding earning assets | 0.8044% | 3,442 |
| Net interest margin | 4.4282% | 1,167 |
| Noninterest income to average assets | 0.9316% | 1,623 |
| Noninterest expense to average assets | 3.0887% | 2,956 |
| Loan and lease loss provision to assets | 0.5560% | 1,047 |
| Net operating income to assets | 1.4356% | 1,151 |
| Return on assets (ROA) | 1.4356% | 1,291 |
| Pretax return on assets | 1.4356% | 2,068 |
| Return on Equity (ROE) | 11.5933% | 1,809 |
| Retained earnings to average equity (ytd only) | 1.7560% | 5,359 |
| Net charge-offs to loans | 0.2539% | 2,654 |
| Credit loss provision to net charge-offs | 346.1538% | 879 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 1,603 |
| Efficiency ratio | 60.7977% | 5,491 |
| Assets per employee ($millions) | 3.5923% | 4,908 |
| Cash dividends to net income (ytd only)* | 84.8537% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6412% | 1,185 |
| Loan loss allowance to noncurrent loans | 71.6129% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 2.9472% | 1,964 |
| Noncurrent loans to loans | 3.6881% | 1,680 |
| Net loans and leases to total assets | 58.1626% | 4,009 |
| Net loans and leases to deposits | 66.2560% | 4,335 |
| Net loans and leases to core deposits | 69.5339% | 4,495 |
| Total domestic deposits to total assets | 87.7847% | 2,477 |
| Equity capital to assets | 11.9216% | 2,096 |
| Core capital (leverage) ratio | 11.8081% | 1,708 |
| Tier 1 risk-based capital ratio | 22.1474% | 1,265 |
| Total risk-based capital ratio | 23.4197% | 1,231 |
| Memoranda: | ||
| Average total assets | $161,880,500 | 3,649 |
| Average earning assets | $151,665,500 | 3,582 |
| Average equity | $20,046,000 | 3,222 |
| Average total loans | $102,398,500 | 3,529 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4603% | 1,264 |
| Cost of funding earning assets | 0.9114% | 4,041 |
| Net interest margin | 4.5489% | 1,029 |
| Noninterest income to average assets | 0.8911% | 1,706 |
| Noninterest expense to average assets | 3.0650% | 3,334 |
| Loan and lease loss provision to assets | 0.5854% | 1,768 |
| Net operating income to assets | 1.4702% | 883 |
| Return on assets (ROA) | 1.4828% | 934 |
| Pretax return on assets | 1.4828% | 1,524 |
| Return on Equity (ROE) | 12.3776% | 1,304 |
| Retained earnings to average equity (ytd only) | 7.6389% | 1,213 |
| Net charge-offs to loans | 0.7707% | 2,226 |
| Credit loss provision to net charge-offs | 117.0886% | 2,755 |
| Earnings coverage of net charge-offs (x) | 4.1114% | 3,261 |
| Efficiency ratio | 59.8566% | 5,781 |
| Assets per employee ($millions) | 3.4428% | 5,150 |
| Cash dividends to net income (ytd only)* | 38.2843% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4092% | 1,451 |
| Loan loss allowance to noncurrent loans | 89.1420% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 2.5483% | 2,379 |
| Noncurrent loans to loans | 2.7027% | 2,399 |
| Net loans and leases to total assets | 65.4702% | 2,886 |
| Net loans and leases to deposits | 75.3732% | 3,281 |
| Net loans and leases to core deposits | 79.1456% | 3,558 |
| Total domestic deposits to total assets | 86.8613% | 2,839 |
| Equity capital to assets | 12.8863% | 1,555 |
| Core capital (leverage) ratio | 12.0798% | 1,548 |
| Tier 1 risk-based capital ratio | 21.6488% | 1,291 |
| Total risk-based capital ratio | 22.9185% | 1,256 |
| Memoranda: | ||
| Average total assets | $158,009,200 | 3,656 |
| Average earning assets | $146,914,600 | 3,626 |
| Average equity | $18,929,400 | 3,292 |
| Average total loans | $102,504,600 | 3,559 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4847% | 1,288 |
| Cost of funding earning assets | 0.9280% | 4,209 |
| Net interest margin | 4.5567% | 1,028 |
| Noninterest income to average assets | 0.9178% | 1,585 |
| Noninterest expense to average assets | 3.0750% | 3,261 |
| Loan and lease loss provision to assets | 0.5878% | 1,674 |
| Net operating income to assets | 1.4855% | 972 |
| Return on assets (ROA) | 1.5022% | 1,009 |
| Pretax return on assets | 1.5022% | 1,645 |
| Return on Equity (ROE) | 12.7754% | 1,338 |
| Retained earnings to average equity (ytd only) | 8.2908% | 1,397 |
| Net charge-offs to loans | 0.2088% | 4,128 |
| Credit loss provision to net charge-offs | 437.5000% | 640 |
| Earnings coverage of net charge-offs (x) | 15.4311% | 1,466 |
| Efficiency ratio | 59.7292% | 5,765 |
| Assets per employee ($millions) | 3.5898% | 4,785 |
| Cash dividends to net income (ytd only)* | 35.1034% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8442% | 988 |
| Loan loss allowance to noncurrent loans | 79.8518% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 3.0135% | 2,131 |
| Noncurrent loans to loans | 3.5618% | 1,930 |
| Net loans and leases to total assets | 61.5140% | 3,843 |
| Net loans and leases to deposits | 70.4075% | 4,235 |
| Net loans and leases to core deposits | 73.7606% | 4,489 |
| Total domestic deposits to total assets | 87.3686% | 2,425 |
| Equity capital to assets | 12.2123% | 2,085 |
| Core capital (leverage) ratio | 11.7608% | 1,849 |
| Tier 1 risk-based capital ratio | 21.7373% | 1,334 |
| Total risk-based capital ratio | 23.0131% | 1,298 |
| Memoranda: | ||
| Average total assets | $158,780,500 | 3,673 |
| Average earning assets | $147,412,750 | 3,638 |
| Average equity | $18,670,750 | 3,327 |
| Average total loans | $102,147,500 | 3,593 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5437% | 1,202 |
| Cost of funding earning assets | 0.9522% | 4,301 |
| Net interest margin | 4.5915% | 921 |
| Noninterest income to average assets | 0.8717% | 1,740 |
| Noninterest expense to average assets | 3.1484% | 3,088 |
| Loan and lease loss provision to assets | 0.6968% | 1,362 |
| Net operating income to assets | 1.2847% | 1,358 |
| Return on assets (ROA) | 1.2847% | 1,422 |
| Pretax return on assets | 1.2847% | 2,182 |
| Return on Equity (ROE) | 11.0709% | 1,774 |
| Retained earnings to average equity (ytd only) | 5.6883% | 2,601 |
| Net charge-offs to loans | 0.1665% | 4,175 |
| Credit loss provision to net charge-offs | 647.0588% | 487 |
| Earnings coverage of net charge-offs (x) | 18.4000% | 1,262 |
| Efficiency ratio | 61.3732% | 5,676 |
| Assets per employee ($millions) | 3.5283% | 4,867 |
| Cash dividends to net income (ytd only)* | 48.6193% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7759% | 1,097 |
| Loan loss allowance to noncurrent loans | 115.5320% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 2.5048% | 2,661 |
| Noncurrent loans to loans | 2.4027% | 2,986 |
| Net loans and leases to total assets | 62.5169% | 3,786 |
| Net loans and leases to deposits | 71.2093% | 4,261 |
| Net loans and leases to core deposits | 74.6439% | 4,488 |
| Total domestic deposits to total assets | 87.7933% | 2,286 |
| Equity capital to assets | 11.8641% | 2,199 |
| Core capital (leverage) ratio | 11.2554% | 2,072 |
| Tier 1 risk-based capital ratio | 20.6177% | 1,488 |
| Total risk-based capital ratio | 21.8923% | 1,462 |
| Memoranda: | ||
| Average total assets | $157,860,000 | 3,715 |
| Average earning assets | $146,400,330 | 3,680 |
| Average equity | $18,318,330 | 3,365 |
| Average total loans | $102,103,330 | 3,626 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4586% | 1,407 |
| Cost of funding earning assets | 0.9842% | 4,313 |
| Net interest margin | 4.4743% | 1,122 |
| Noninterest income to average assets | 0.7547% | 2,240 |
| Noninterest expense to average assets | 3.1308% | 3,139 |
| Loan and lease loss provision to assets | 0.7624% | 1,120 |
| Net operating income to assets | 1.0089% | 2,158 |
| Return on assets (ROA) | 1.0089% | 2,205 |
| Pretax return on assets | 1.0089% | 3,106 |
| Return on Equity (ROE) | 8.7934% | 2,561 |
| Retained earnings to average equity (ytd only) | 0.8417% | 5,493 |
| Net charge-offs to loans | 0.1214% | 3,805 |
| Credit loss provision to net charge-offs | 967.7419% | 399 |
| Earnings coverage of net charge-offs (x) | 22.4839% | 1,051 |
| Efficiency ratio | 63.8673% | 5,385 |
| Assets per employee ($millions) | 3.5789% | 4,801 |
| Cash dividends to net income (ytd only)* | 90.4282% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6237% | 1,284 |
| Loan loss allowance to noncurrent loans | 91.0912% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 3.0245% | 2,287 |
| Noncurrent loans to loans | 2.8803% | 2,609 |
| Net loans and leases to total assets | 60.7925% | 4,118 |
| Net loans and leases to deposits | 68.6951% | 4,576 |
| Net loans and leases to core deposits | 71.3421% | 4,880 |
| Total domestic deposits to total assets | 88.4962% | 2,077 |
| Equity capital to assets | 11.2356% | 2,473 |
| Core capital (leverage) ratio | 11.1321% | 2,087 |
| Tier 1 risk-based capital ratio | 19.8408% | 1,619 |
| Total risk-based capital ratio | 21.1125% | 1,582 |
| Memoranda: | ||
| Average total assets | $157,403,500 | 3,752 |
| Average earning assets | $145,899,500 | 3,715 |
| Average equity | $18,059,000 | 3,392 |
| Average total loans | $102,108,000 | 3,668 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9617% | 922 |
| Cost of funding earning assets | 1.2480% | 4,229 |
| Net interest margin | 4.7137% | 797 |
| Noninterest income to average assets | 0.8847% | 1,910 |
| Noninterest expense to average assets | 3.1379% | 3,315 |
| Loan and lease loss provision to assets | 0.8126% | 2,009 |
| Net operating income to assets | 1.2817% | 1,224 |
| Return on assets (ROA) | 1.2817% | 1,280 |
| Pretax return on assets | 1.2817% | 1,984 |
| Return on Equity (ROE) | 11.5791% | 1,425 |
| Retained earnings to average equity (ytd only) | 8.4518% | 854 |
| Net charge-offs to loans | 1.0910% | 2,041 |
| Credit loss provision to net charge-offs | 106.0453% | 4,220 |
| Earnings coverage of net charge-offs (x) | 2.7330% | 3,710 |
| Efficiency ratio | 59.9729% | 6,053 |
| Assets per employee ($millions) | 3.4168% | 5,135 |
| Cash dividends to net income (ytd only)* | 27.0080% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2851% | 1,718 |
| Loan loss allowance to noncurrent loans | 82.0007% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 3.0165% | 2,331 |
| Noncurrent loans to loans | 2.7867% | 2,735 |
| Net loans and leases to total assets | 65.8849% | 3,489 |
| Net loans and leases to deposits | 74.8948% | 4,044 |
| Net loans and leases to core deposits | 77.7810% | 4,480 |
| Total domestic deposits to total assets | 87.9699% | 2,262 |
| Equity capital to assets | 11.7218% | 2,106 |
| Core capital (leverage) ratio | 11.4309% | 1,876 |
| Tier 1 risk-based capital ratio | 19.6674% | 1,562 |
| Total risk-based capital ratio | 20.9341% | 1,526 |
| Memoranda: | ||
| Average total assets | $155,421,600 | 3,784 |
| Average earning assets | $143,349,000 | 3,752 |
| Average equity | $17,203,400 | 3,553 |
| Average total loans | $109,166,800 | 3,562 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0000% | 937 |
| Cost of funding earning assets | 1.2859% | 4,320 |
| Net interest margin | 4.7142% | 817 |
| Noninterest income to average assets | 0.9163% | 1,736 |
| Noninterest expense to average assets | 3.1066% | 3,306 |
| Loan and lease loss provision to assets | 0.9950% | 1,493 |
| Net operating income to assets | 1.1559% | 1,720 |
| Return on assets (ROA) | 1.1559% | 1,815 |
| Pretax return on assets | 1.1559% | 2,654 |
| Return on Equity (ROE) | 10.5968% | 1,906 |
| Retained earnings to average equity (ytd only) | 7.4279% | 1,629 |
| Net charge-offs to loans | 0.6923% | 2,686 |
| Credit loss provision to net charge-offs | 202.6132% | 1,758 |
| Earnings coverage of net charge-offs (x) | 4.3798% | 3,075 |
| Efficiency ratio | 59.0887% | 6,094 |
| Assets per employee ($millions) | 3.2924% | 5,485 |
| Cash dividends to net income (ytd only)* | 29.9036% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6584% | 1,128 |
| Loan loss allowance to noncurrent loans | 84.3366% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 3.3523% | 2,125 |
| Noncurrent loans to loans | 3.1522% | 2,524 |
| Net loans and leases to total assets | 69.7753% | 2,786 |
| Net loans and leases to deposits | 79.3706% | 3,563 |
| Net loans and leases to core deposits | 82.4779% | 4,168 |
| Total domestic deposits to total assets | 87.9108% | 2,011 |
| Equity capital to assets | 11.6310% | 2,430 |
| Core capital (leverage) ratio | 11.0177% | 2,247 |
| Tier 1 risk-based capital ratio | 18.5411% | 1,861 |
| Total risk-based capital ratio | 19.8148% | 1,823 |
| Memoranda: | ||
| Average total assets | $155,838,000 | 3,831 |
| Average earning assets | $143,507,000 | 3,807 |
| Average equity | $16,998,500 | 3,638 |
| Average total loans | $110,540,750 | 3,594 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9698% | 1,016 |
| Cost of funding earning assets | 1.3130% | 4,459 |
| Net interest margin | 4.6568% | 884 |
| Noninterest income to average assets | 0.9510% | 1,514 |
| Noninterest expense to average assets | 3.0629% | 3,459 |
| Loan and lease loss provision to assets | 1.0973% | 1,305 |
| Net operating income to assets | 1.0795% | 1,923 |
| Return on assets (ROA) | 1.0795% | 1,999 |
| Pretax return on assets | 1.0795% | 2,851 |
| Return on Equity (ROE) | 10.1114% | 2,067 |
| Retained earnings to average equity (ytd only) | 6.9076% | 1,880 |
| Net charge-offs to loans | 0.6619% | 2,557 |
| Credit loss provision to net charge-offs | 234.5109% | 1,647 |
| Earnings coverage of net charge-offs (x) | 4.6522% | 2,890 |
| Efficiency ratio | 58.4567% | 6,314 |
| Assets per employee ($millions) | 3.4121% | 5,151 |
| Cash dividends to net income (ytd only)* | 31.6843% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5520% | 1,236 |
| Loan loss allowance to noncurrent loans | 74.6325% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 3.4315% | 2,049 |
| Noncurrent loans to loans | 3.4194% | 2,326 |
| Net loans and leases to total assets | 66.4802% | 3,738 |
| Net loans and leases to deposits | 74.7338% | 4,561 |
| Net loans and leases to core deposits | 77.5988% | 5,013 |
| Total domestic deposits to total assets | 88.9560% | 1,466 |
| Equity capital to assets | 10.6648% | 3,205 |
| Core capital (leverage) ratio | 10.4079% | 2,706 |
| Tier 1 risk-based capital ratio | 18.0437% | 1,949 |
| Total risk-based capital ratio | 19.3157% | 1,910 |
| Memoranda: | ||
| Average total assets | $157,301,000 | 3,837 |
| Average earning assets | $144,862,000 | 3,799 |
| Average equity | $16,793,000 | 3,668 |
| Average total loans | $111,201,000 | 3,601 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9949% | 991 |
| Cost of funding earning assets | 1.3551% | 4,451 |
| Net interest margin | 4.6398% | 893 |
| Noninterest income to average assets | 0.9604% | 1,416 |
| Noninterest expense to average assets | 3.0944% | 3,283 |
| Loan and lease loss provision to assets | 0.8577% | 1,480 |
| Net operating income to assets | 1.2814% | 1,334 |
| Return on assets (ROA) | 1.2814% | 1,407 |
| Pretax return on assets | 1.2814% | 2,102 |
| Return on Equity (ROE) | 11.9966% | 1,502 |
| Retained earnings to average equity (ytd only) | 8.7511% | 1,466 |
| Net charge-offs to loans | 0.5781% | 2,360 |
| Credit loss provision to net charge-offs | 206.1728% | 1,813 |
| Earnings coverage of net charge-offs (x) | 5.1420% | 2,457 |
| Efficiency ratio | 59.1266% | 6,321 |
| Assets per employee ($millions) | 3.4008% | 5,289 |
| Cash dividends to net income (ytd only)* | 27.0541% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2357% | 1,683 |
| Loan loss allowance to noncurrent loans | 49.2127% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 4.2418% | 1,604 |
| Noncurrent loans to loans | 4.5429% | 1,639 |
| Net loans and leases to total assets | 67.5486% | 3,500 |
| Net loans and leases to deposits | 75.7780% | 4,457 |
| Net loans and leases to core deposits | 78.5443% | 4,956 |
| Total domestic deposits to total assets | 89.1401% | 1,446 |
| Equity capital to assets | 10.5220% | 3,230 |
| Core capital (leverage) ratio | 10.5940% | 2,540 |
| Tier 1 risk-based capital ratio | 17.3274% | 2,137 |
| Total risk-based capital ratio | 18.5936% | 2,092 |
| Memoranda: | ||
| Average total assets | $155,767,500 | 3,910 |
| Average earning assets | $143,454,500 | 3,877 |
| Average equity | $16,638,000 | 3,728 |
| Average total loans | $112,099,000 | 3,643 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6803% | 484 |
| Cost of funding earning assets | 1.9931% | 2,994 |
| Net interest margin | 4.6871% | 853 |
| Noninterest income to average assets | 0.8628% | 2,130 |
| Noninterest expense to average assets | 3.0140% | 4,097 |
| Loan and lease loss provision to assets | 1.5436% | 1,494 |
| Net operating income to assets | 0.5400% | 3,573 |
| Return on assets (ROA) | 0.8397% | 2,471 |
| Pretax return on assets | 0.8397% | 3,115 |
| Return on Equity (ROE) | 8.2935% | 2,265 |
| Retained earnings to average equity (ytd only) | 6.6311% | 1,106 |
| Net charge-offs to loans | 2.0814% | 1,178 |
| Credit loss provision to net charge-offs | 98.4830% | 5,658 |
| Earnings coverage of net charge-offs (x) | 1.3293% | 4,803 |
| Efficiency ratio | 59.1261% | 6,605 |
| Assets per employee ($millions) | 3.2276% | 5,657 |
| Cash dividends to net income (ytd only)* | 20.0447% | 3,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 1,977 |
| Loan loss allowance to noncurrent loans | 44.4552% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 4.9163% | 1,260 |
| Noncurrent loans to loans | 4.5419% | 1,562 |
| Net loans and leases to total assets | 73.4777% | 2,388 |
| Net loans and leases to deposits | 82.7542% | 3,492 |
| Net loans and leases to core deposits | 108.0537% | 3,099 |
| Total domestic deposits to total assets | 88.7903% | 1,579 |
| Equity capital to assets | 10.8491% | 2,821 |
| Core capital (leverage) ratio | 10.3695% | 2,716 |
| Tier 1 risk-based capital ratio | 16.4113% | 2,352 |
| Total risk-based capital ratio | 17.6743% | 2,296 |
| Memoranda: | ||
| Average total assets | $159,822,600 | 3,777 |
| Average earning assets | $144,394,800 | 3,808 |
| Average equity | $16,181,400 | 3,837 |
| Average total loans | $120,351,000 | 3,475 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6969% | 513 |
| Cost of funding earning assets | 2.1251% | 2,772 |
| Net interest margin | 4.5718% | 1,037 |
| Noninterest income to average assets | 1.0347% | 1,482 |
| Noninterest expense to average assets | 2.9516% | 4,238 |
| Loan and lease loss provision to assets | 1.3238% | 1,463 |
| Net operating income to assets | 0.8707% | 2,534 |
| Return on assets (ROA) | 0.8139% | 2,813 |
| Pretax return on assets | 0.8139% | 3,493 |
| Return on Equity (ROE) | 8.1758% | 2,567 |
| Retained earnings to average equity (ytd only) | 7.0586% | 1,482 |
| Net charge-offs to loans | 1.6590% | 1,224 |
| Credit loss provision to net charge-offs | 105.8630% | 4,806 |
| Earnings coverage of net charge-offs (x) | 1.7549% | 4,480 |
| Efficiency ratio | 57.3555% | 6,816 |
| Assets per employee ($millions) | 3.5062% | 4,910 |
| Cash dividends to net income (ytd only)* | 13.6643% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0467% | 1,695 |
| Loan loss allowance to noncurrent loans | 38.0235% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 5.4753% | 1,044 |
| Noncurrent loans to loans | 5.3828% | 1,179 |
| Net loans and leases to total assets | 73.5258% | 2,660 |
| Net loans and leases to deposits | 82.7832% | 3,870 |
| Net loans and leases to core deposits | 107.7260% | 3,503 |
| Total domestic deposits to total assets | 88.8173% | 1,285 |
| Equity capital to assets | 10.6775% | 3,316 |
| Core capital (leverage) ratio | 10.0228% | 3,254 |
| Tier 1 risk-based capital ratio | 15.4637% | 2,844 |
| Total risk-based capital ratio | 16.7273% | 2,777 |
| Memoranda: | ||
| Average total assets | $161,853,500 | 3,762 |
| Average earning assets | $145,556,750 | 3,807 |
| Average equity | $16,112,250 | 3,889 |
| Average total loans | $121,998,250 | 3,475 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6931% | 546 |
| Cost of funding earning assets | 2.2080% | 2,759 |
| Net interest margin | 4.4851% | 1,203 |
| Noninterest income to average assets | 1.0159% | 1,539 |
| Noninterest expense to average assets | 2.8515% | 4,728 |
| Loan and lease loss provision to assets | 1.2340% | 1,395 |
| Net operating income to assets | 0.9803% | 2,175 |
| Return on assets (ROA) | 0.8958% | 2,578 |
| Pretax return on assets | 0.8958% | 3,355 |
| Return on Equity (ROE) | 9.2139% | 2,282 |
| Retained earnings to average equity (ytd only) | 7.5123% | 1,383 |
| Net charge-offs to loans | 1.4823% | 1,276 |
| Credit loss provision to net charge-offs | 110.2957% | 4,199 |
| Earnings coverage of net charge-offs (x) | 1.9792% | 4,101 |
| Efficiency ratio | 56.2893% | 7,085 |
| Assets per employee ($millions) | 3.3954% | 5,080 |
| Cash dividends to net income (ytd only)* | 18.4679% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 1,535 |
| Loan loss allowance to noncurrent loans | 34.6307% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 5.8145% | 844 |
| Noncurrent loans to loans | 5.8252% | 958 |
| Net loans and leases to total assets | 73.9285% | 2,718 |
| Net loans and leases to deposits | 82.8375% | 4,078 |
| Net loans and leases to core deposits | 107.1145% | 3,710 |
| Total domestic deposits to total assets | 89.2452% | 1,148 |
| Equity capital to assets | 10.1959% | 3,725 |
| Core capital (leverage) ratio | 9.6065% | 3,756 |
| Tier 1 risk-based capital ratio | 14.8160% | 3,097 |
| Total risk-based capital ratio | 16.0790% | 3,026 |
| Memoranda: | ||
| Average total assets | $163,211,330 | 3,755 |
| Average earning assets | $147,376,000 | 3,788 |
| Average equity | $15,867,330 | 3,946 |
| Average total loans | $123,186,670 | 3,468 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8535% | 441 |
| Cost of funding earning assets | 2.2791% | 2,797 |
| Net interest margin | 4.5743% | 984 |
| Noninterest income to average assets | 1.0617% | 1,318 |
| Noninterest expense to average assets | 2.7050% | 4,984 |
| Loan and lease loss provision to assets | 1.1295% | 1,153 |
| Net operating income to assets | 1.3671% | 1,214 |
| Return on assets (ROA) | 1.3671% | 1,305 |
| Pretax return on assets | 1.3671% | 2,062 |
| Return on Equity (ROE) | 14.4011% | 1,089 |
| Retained earnings to average equity (ytd only) | 10.9540% | 978 |
| Net charge-offs to loans | 0.1573% | 3,707 |
| Credit loss provision to net charge-offs | 951.0204% | 657 |
| Earnings coverage of net charge-offs (x) | 21.0204% | 1,347 |
| Efficiency ratio | 52.0037% | 7,420 |
| Assets per employee ($millions) | 3.5726% | 4,645 |
| Cash dividends to net income (ytd only)* | 23.9362% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2373% | 1,036 |
| Loan loss allowance to noncurrent loans | 39.4213% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 5.2963% | 825 |
| Noncurrent loans to loans | 5.6753% | 878 |
| Net loans and leases to total assets | 71.6177% | 3,322 |
| Net loans and leases to deposits | 79.5936% | 4,676 |
| Net loans and leases to core deposits | 101.5427% | 4,392 |
| Total domestic deposits to total assets | 89.9792% | 814 |
| Equity capital to assets | 9.5884% | 4,546 |
| Core capital (leverage) ratio | 9.4638% | 4,027 |
| Tier 1 risk-based capital ratio | 14.1727% | 3,490 |
| Total risk-based capital ratio | 15.4383% | 3,414 |
| Memoranda: | ||
| Average total assets | $165,025,000 | 3,742 |
| Average earning assets | $149,355,000 | 3,764 |
| Average equity | $15,665,500 | 4,009 |
| Average total loans | $124,576,500 | 3,470 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3362% | 552 |
| Cost of funding earning assets | 3.0624% | 1,628 |
| Net interest margin | 4.2739% | 2,059 |
| Noninterest income to average assets | 0.9762% | 1,669 |
| Noninterest expense to average assets | 2.6745% | 5,363 |
| Loan and lease loss provision to assets | 1.1686% | 1,241 |
| Net operating income to assets | 1.1350% | 2,010 |
| Return on assets (ROA) | 1.1448% | 1,888 |
| Pretax return on assets | 1.1448% | 2,857 |
| Return on Equity (ROE) | 12.7034% | 1,406 |
| Retained earnings to average equity (ytd only) | 6.6025% | 1,300 |
| Net charge-offs to loans | 1.4312% | 814 |
| Credit loss provision to net charge-offs | 104.0239% | 5,141 |
| Earnings coverage of net charge-offs (x) | 2.0506% | 5,050 |
| Efficiency ratio | 53.7244% | 7,300 |
| Assets per employee ($millions) | 3.6031% | 4,406 |
| Cash dividends to net income (ytd only)* | 48.0256% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8510% | 1,528 |
| Loan loss allowance to noncurrent loans | 39.2042% | 6,103 |
| Noncurrent assets plus other real estate owned to assets | 4.2649% | 924 |
| Noncurrent loans to loans | 4.7215% | 980 |
| Net loans and leases to total assets | 76.3616% | 2,526 |
| Net loans and leases to deposits | 84.8772% | 4,277 |
| Net loans and leases to core deposits | 110.2079% | 3,758 |
| Total domestic deposits to total assets | 89.9673% | 654 |
| Equity capital to assets | 9.3938% | 4,827 |
| Core capital (leverage) ratio | 9.3026% | 4,296 |
| Tier 1 risk-based capital ratio | 13.6036% | 3,759 |
| Total risk-based capital ratio | 14.8641% | 3,657 |
| Memoranda: | ||
| Average total assets | $163,693,600 | 3,650 |
| Average earning assets | $153,280,600 | 3,595 |
| Average equity | $14,752,000 | 4,186 |
| Average total loans | $128,493,000 | 3,293 |