Home > Elderton State Bank > Performance and Condition Ratios
Elderton State Bank, 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 | 5.3139% | 1,474 |
| Cost of funding earning assets | 1.7080% | 1,434 |
| Net interest margin | 3.6059% | 1,954 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.8598% | 3,909 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.3903% | 1,231 |
| Return on assets (ROA) | 1.3903% | 1,204 |
| Pretax return on assets | 1.7373% | 994 |
| Return on Equity (ROE) | 11.7700% | 2,015 |
| Retained earnings to average equity (ytd only) | 8.1579% | 1,488 |
| Net charge-offs to loans | -0.0179% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.8885% | 3,843 |
| Assets per employee ($millions) | 7.2083% | 1,929 |
| Cash dividends to net income (ytd only)* | 30.7167% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7702% | 569 |
| Loan loss allowance to noncurrent loans | 70.6559% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 2.0865% | 128 |
| Noncurrent loans to loans | 2.5054% | 194 |
| Net loans and leases to total assets | 81.8100% | 450 |
| Net loans and leases to deposits | 101.0819% | 474 |
| Net loans and leases to core deposits | 111.9943% | 888 |
| Total domestic deposits to total assets | 80.9300% | 3,318 |
| Equity capital to assets | 11.7842% | 1,206 |
| Core capital (leverage) ratio | 12.5107% | 1,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $358,259,400 | 2,167 |
| Average earning assets | $332,145,600 | 2,168 |
| Average equity | $42,302,800 | 1,802 |
| Average total loans | $301,279,200 | 1,786 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1859% | 1,481 |
| Cost of funding earning assets | 1.5526% | 1,476 |
| Net interest margin | 3.6333% | 1,917 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 1.8694% | 3,854 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.4123% | 1,293 |
| Return on assets (ROA) | 1.4123% | 1,277 |
| Pretax return on assets | 1.7621% | 1,059 |
| Return on Equity (ROE) | 11.9500% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.5673% | 1,531 |
| Net charge-offs to loans | -0.0406% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.6166% | 3,785 |
| Assets per employee ($millions) | 7.0372% | 1,936 |
| Cash dividends to net income (ytd only)* | 19.9680% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 549 |
| Loan loss allowance to noncurrent loans | 65.3233% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 2.3812% | 102 |
| Noncurrent loans to loans | 2.7861% | 159 |
| Net loans and leases to total assets | 83.8100% | 293 |
| Net loans and leases to deposits | 103.5029% | 371 |
| Net loans and leases to core deposits | 113.4474% | 755 |
| Total domestic deposits to total assets | 80.9800% | 3,389 |
| Equity capital to assets | 12.0399% | 1,031 |
| Core capital (leverage) ratio | 12.6757% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $354,116,000 | 2,185 |
| Average earning assets | $328,728,250 | 2,189 |
| Average equity | $41,835,750 | 1,805 |
| Average total loans | $298,558,500 | 1,798 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 1,438 |
| Cost of funding earning assets | 1.3974% | 1,454 |
| Net interest margin | 3.6640% | 1,888 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.8802% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4269% | 1,265 |
| Return on assets (ROA) | 1.4269% | 1,249 |
| Pretax return on assets | 1.7797% | 1,050 |
| Return on Equity (ROE) | 12.1600% | 2,102 |
| Retained earnings to average equity (ytd only) | 8.5361% | 1,806 |
| Net charge-offs to loans | -0.0622% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.3241% | 3,826 |
| Assets per employee ($millions) | 7.1719% | 1,804 |
| Cash dividends to net income (ytd only)* | 29.7813% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8649% | 532 |
| Loan loss allowance to noncurrent loans | 92.5297% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7078% | 187 |
| Noncurrent loans to loans | 2.0155% | 276 |
| Net loans and leases to total assets | 82.3400% | 394 |
| Net loans and leases to deposits | 100.6717% | 489 |
| Net loans and leases to core deposits | 109.8712% | 831 |
| Total domestic deposits to total assets | 81.7900% | 3,275 |
| Equity capital to assets | 11.7570% | 1,117 |
| Core capital (leverage) ratio | 12.4332% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $352,522,333 | 2,193 |
| Average earning assets | $327,186,333 | 2,199 |
| Average equity | $41,377,333 | 1,829 |
| Average total loans | $295,953,000 | 1,799 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 1,427 |
| Cost of funding earning assets | 1.1760% | 1,519 |
| Net interest margin | 3.7168% | 1,860 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.8061% | 4,017 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.5486% | 1,083 |
| Return on assets (ROA) | 1.5486% | 1,076 |
| Pretax return on assets | 1.9297% | 872 |
| Return on Equity (ROE) | 13.2000% | 1,944 |
| Retained earnings to average equity (ytd only) | 13.2045% | 1,056 |
| Net charge-offs to loans | -0.1758% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.1538% | 4,072 |
| Assets per employee ($millions) | 7.0634% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9126% | 517 |
| Loan loss allowance to noncurrent loans | 78.6261% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 2.0361% | 120 |
| Noncurrent loans to loans | 2.4325% | 204 |
| Net loans and leases to total assets | 82.1100% | 366 |
| Net loans and leases to deposits | 99.2378% | 476 |
| Net loans and leases to core deposits | 107.4659% | 779 |
| Total domestic deposits to total assets | 82.7400% | 3,345 |
| Equity capital to assets | 11.9076% | 1,024 |
| Core capital (leverage) ratio | 12.6297% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $349,486,000 | 2,238 |
| Average earning assets | $324,147,500 | 2,240 |
| Average equity | $40,986,000 | 1,867 |
| Average total loans | $293,495,500 | 1,819 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3812% | 916 |
| Cost of funding earning assets | 0.6265% | 801 |
| Net interest margin | 3.7547% | 1,255 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.8186% | 3,995 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.4887% | 903 |
| Return on assets (ROA) | 1.4887% | 869 |
| Pretax return on assets | 1.8767% | 615 |
| Return on Equity (ROE) | 12.9000% | 1,843 |
| Retained earnings to average equity (ytd only) | 9.2885% | 1,395 |
| Net charge-offs to loans | 0.0672% | 974 |
| Credit loss provision to net charge-offs | 234.0426% | 1,029 |
| Earnings coverage of net charge-offs (x) | 36.0213% | 1,568 |
| Efficiency ratio | 47.5364% | 4,269 |
| Assets per employee ($millions) | 6.9161% | 2,027 |
| Cash dividends to net income (ytd only)* | 27.9912% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1228% | 347 |
| Loan loss allowance to noncurrent loans | 112.6184% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.5882% | 189 |
| Noncurrent loans to loans | 1.8849% | 306 |
| Net loans and leases to total assets | 82.4700% | 373 |
| Net loans and leases to deposits | 96.8416% | 593 |
| Net loans and leases to core deposits | 103.5332% | 837 |
| Total domestic deposits to total assets | 85.1600% | 2,952 |
| Equity capital to assets | 11.5435% | 1,072 |
| Core capital (leverage) ratio | 12.2248% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $337,397,400 | 2,270 |
| Average earning assets | $315,258,400 | 2,263 |
| Average equity | $38,940,600 | 1,956 |
| Average total loans | $279,818,400 | 1,819 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 815 |
| Cost of funding earning assets | 0.5447% | 593 |
| Net interest margin | 3.6997% | 1,135 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.7628% | 4,047 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.5035% | 846 |
| Return on assets (ROA) | 1.5035% | 821 |
| Pretax return on assets | 1.8976% | 589 |
| Return on Equity (ROE) | 13.0300% | 1,689 |
| Retained earnings to average equity (ytd only) | 10.6605% | 1,148 |
| Net charge-offs to loans | 0.0929% | 668 |
| Credit loss provision to net charge-offs | 186.5285% | 1,014 |
| Earnings coverage of net charge-offs (x) | 26.5907% | 1,582 |
| Efficiency ratio | 46.3461% | 4,363 |
| Assets per employee ($millions) | 6.8922% | 2,027 |
| Cash dividends to net income (ytd only)* | 18.1698% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1485% | 379 |
| Loan loss allowance to noncurrent loans | 127.0569% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 246 |
| Noncurrent loans to loans | 1.6910% | 385 |
| Net loans and leases to total assets | 82.2600% | 364 |
| Net loans and leases to deposits | 96.8145% | 507 |
| Net loans and leases to core deposits | 101.2944% | 771 |
| Total domestic deposits to total assets | 84.9700% | 3,295 |
| Equity capital to assets | 11.6612% | 953 |
| Core capital (leverage) ratio | 12.2907% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $335,295,750 | 2,297 |
| Average earning assets | $313,821,000 | 2,285 |
| Average equity | $38,696,250 | 1,995 |
| Average total loans | $276,931,750 | 1,823 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1093% | 752 |
| Cost of funding earning assets | 0.5113% | 485 |
| Net interest margin | 3.5980% | 1,072 |
| Noninterest income to average assets | 0.3934% | 2,797 |
| Noninterest expense to average assets | 1.7418% | 4,072 |
| Loan and lease loss provision to assets | 0.1435% | 663 |
| Net operating income to assets | 1.4853% | 740 |
| Return on assets (ROA) | 1.4853% | 720 |
| Pretax return on assets | 1.8787% | 489 |
| Return on Equity (ROE) | 12.9147% | 1,401 |
| Retained earnings to average equity (ytd only) | 9.3429% | 1,188 |
| Net charge-offs to loans | 0.0896% | 625 |
| Credit loss provision to net charge-offs | 195.1220% | 981 |
| Earnings coverage of net charge-offs (x) | 27.4959% | 1,429 |
| Efficiency ratio | 46.2748% | 4,439 |
| Assets per employee ($millions) | 6.8349% | 2,044 |
| Cash dividends to net income (ytd only)* | 27.6570% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 415 |
| Loan loss allowance to noncurrent loans | 133.3774% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 1.3544% | 284 |
| Noncurrent loans to loans | 1.6027% | 451 |
| Net loans and leases to total assets | 82.6984% | 256 |
| Net loans and leases to deposits | 97.5325% | 359 |
| Net loans and leases to core deposits | 101.3332% | 618 |
| Total domestic deposits to total assets | 84.7906% | 3,527 |
| Equity capital to assets | 11.4959% | 1,033 |
| Core capital (leverage) ratio | 11.9945% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,488,667 | 2,308 |
| Average earning assets | $313,336,667 | 2,309 |
| Average equity | $38,467,667 | 2,060 |
| Average total loans | $274,604,000 | 1,832 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 739 |
| Cost of funding earning assets | 0.4986% | 501 |
| Net interest margin | 3.5235% | 1,044 |
| Noninterest income to average assets | 0.2286% | 3,785 |
| Noninterest expense to average assets | 1.6429% | 4,226 |
| Loan and lease loss provision to assets | 0.1436% | 560 |
| Net operating income to assets | 1.3641% | 872 |
| Return on assets (ROA) | 1.3641% | 861 |
| Pretax return on assets | 1.7399% | 633 |
| Return on Equity (ROE) | 11.8592% | 1,360 |
| Retained earnings to average equity (ytd only) | 11.8592% | 625 |
| Net charge-offs to loans | 0.2692% | 241 |
| Credit loss provision to net charge-offs | 65.9341% | 1,153 |
| Earnings coverage of net charge-offs (x) | 8.6484% | 1,507 |
| Efficiency ratio | 46.5898% | 4,468 |
| Assets per employee ($millions) | 6.6855% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1368% | 496 |
| Loan loss allowance to noncurrent loans | 105.8601% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.8290% | 169 |
| Noncurrent loans to loans | 2.0185% | 364 |
| Net loans and leases to total assets | 80.4377% | 224 |
| Net loans and leases to deposits | 94.5038% | 335 |
| Net loans and leases to core deposits | 98.4083% | 563 |
| Total domestic deposits to total assets | 85.1159% | 3,519 |
| Equity capital to assets | 11.5249% | 1,117 |
| Core capital (leverage) ratio | 11.9316% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $334,277,000 | 2,323 |
| Average earning assets | $312,873,500 | 2,321 |
| Average equity | $38,451,000 | 2,111 |
| Average total loans | $270,397,500 | 1,836 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1852% | 1,015 |
| Cost of funding earning assets | 0.5993% | 546 |
| Net interest margin | 3.5859% | 1,508 |
| Noninterest income to average assets | 0.2361% | 3,965 |
| Noninterest expense to average assets | 1.7372% | 4,243 |
| Loan and lease loss provision to assets | 0.1725% | 670 |
| Net operating income to assets | 1.3482% | 1,450 |
| Return on assets (ROA) | 1.3482% | 1,489 |
| Pretax return on assets | 1.6842% | 1,189 |
| Return on Equity (ROE) | 11.8364% | 1,868 |
| Retained earnings to average equity (ytd only) | 6.6889% | 2,042 |
| Net charge-offs to loans | 0.0198% | 1,878 |
| Credit loss provision to net charge-offs | 1,096.1538% | 498 |
| Earnings coverage of net charge-offs (x) | 117.9615% | 794 |
| Efficiency ratio | 48.3366% | 4,383 |
| Assets per employee ($millions) | 6.6856% | 2,171 |
| Cash dividends to net income (ytd only)* | 43.4890% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2301% | 429 |
| Loan loss allowance to noncurrent loans | 170.6356% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 451 |
| Noncurrent loans to loans | 1.3069% | 725 |
| Net loans and leases to total assets | 77.8116% | 389 |
| Net loans and leases to deposits | 91.3470% | 509 |
| Net loans and leases to core deposits | 95.2183% | 722 |
| Total domestic deposits to total assets | 85.1824% | 3,211 |
| Equity capital to assets | 11.4806% | 1,519 |
| Core capital (leverage) ratio | 11.4222% | 1,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,354,800 | 2,290 |
| Average earning assets | $309,348,800 | 2,285 |
| Average equity | $37,629,600 | 2,172 |
| Average total loans | $261,969,400 | 1,872 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 1,061 |
| Cost of funding earning assets | 0.6230% | 565 |
| Net interest margin | 3.6095% | 1,578 |
| Noninterest income to average assets | 0.2352% | 3,991 |
| Noninterest expense to average assets | 1.7277% | 4,290 |
| Loan and lease loss provision to assets | 0.1943% | 537 |
| Net operating income to assets | 1.3565% | 1,667 |
| Return on assets (ROA) | 1.3565% | 1,724 |
| Pretax return on assets | 1.6929% | 1,422 |
| Return on Equity (ROE) | 11.9326% | 2,071 |
| Retained earnings to average equity (ytd only) | 9.5966% | 1,451 |
| Net charge-offs to loans | -0.0562% | 4,406 |
| Credit loss provision to net charge-offs | -436.3636% | 3,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7940% | 4,379 |
| Assets per employee ($millions) | 6.9710% | 1,892 |
| Cash dividends to net income (ytd only)* | 19.5762% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2730% | 411 |
| Loan loss allowance to noncurrent loans | 165.4270% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 1.1805% | 504 |
| Noncurrent loans to loans | 1.3740% | 775 |
| Net loans and leases to total assets | 77.1616% | 463 |
| Net loans and leases to deposits | 91.3297% | 522 |
| Net loans and leases to core deposits | 94.8172% | 797 |
| Total domestic deposits to total assets | 84.4869% | 3,305 |
| Equity capital to assets | 11.5891% | 1,616 |
| Core capital (leverage) ratio | 11.5954% | 1,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $329,374,000 | 2,323 |
| Average earning assets | $308,396,750 | 2,315 |
| Average equity | $37,442,750 | 2,204 |
| Average total loans | $260,951,750 | 1,908 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 1,188 |
| Cost of funding earning assets | 0.6554% | 549 |
| Net interest margin | 3.5445% | 1,735 |
| Noninterest income to average assets | 0.2387% | 3,974 |
| Noninterest expense to average assets | 1.7538% | 4,270 |
| Loan and lease loss provision to assets | 0.2198% | 482 |
| Net operating income to assets | 1.2697% | 1,954 |
| Return on assets (ROA) | 1.2697% | 2,029 |
| Pretax return on assets | 1.5798% | 1,796 |
| Return on Equity (ROE) | 11.2440% | 2,322 |
| Retained earnings to average equity (ytd only) | 7.6978% | 2,195 |
| Net charge-offs to loans | -0.1024% | 4,634 |
| Credit loss provision to net charge-offs | -270.6767% | 3,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3558% | 4,282 |
| Assets per employee ($millions) | 6.8123% | 1,930 |
| Cash dividends to net income (ytd only)* | 31.5385% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2425% | 402 |
| Loan loss allowance to noncurrent loans | 138.6854% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.2762% | 508 |
| Noncurrent loans to loans | 1.6170% | 675 |
| Net loans and leases to total assets | 77.1556% | 501 |
| Net loans and leases to deposits | 91.9164% | 541 |
| Net loans and leases to core deposits | 95.5279% | 829 |
| Total domestic deposits to total assets | 83.9410% | 3,461 |
| Equity capital to assets | 11.2483% | 1,791 |
| Core capital (leverage) ratio | 11.2353% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,629,333 | 2,322 |
| Average earning assets | $306,387,667 | 2,311 |
| Average equity | $36,997,667 | 2,217 |
| Average total loans | $259,871,000 | 1,912 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 1,338 |
| Cost of funding earning assets | 0.6946% | 559 |
| Net interest margin | 3.4269% | 2,036 |
| Noninterest income to average assets | 0.2268% | 4,023 |
| Noninterest expense to average assets | 1.6565% | 4,458 |
| Loan and lease loss provision to assets | 0.2219% | 520 |
| Net operating income to assets | 1.2424% | 2,001 |
| Return on assets (ROA) | 1.2424% | 2,085 |
| Pretax return on assets | 1.5530% | 1,848 |
| Return on Equity (ROE) | 10.9795% | 2,375 |
| Retained earnings to average equity (ytd only) | 10.9795% | 1,407 |
| Net charge-offs to loans | -0.0790% | 4,564 |
| Credit loss provision to net charge-offs | -352.9412% | 3,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2759% | 4,322 |
| Assets per employee ($millions) | 6.6523% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1511% | 460 |
| Loan loss allowance to noncurrent loans | 80.4274% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 2.1105% | 231 |
| Noncurrent loans to loans | 2.6746% | 326 |
| Net loans and leases to total assets | 77.2146% | 522 |
| Net loans and leases to deposits | 91.7076% | 609 |
| Net loans and leases to core deposits | 94.6434% | 939 |
| Total domestic deposits to total assets | 84.1965% | 3,370 |
| Equity capital to assets | 11.1537% | 1,753 |
| Core capital (leverage) ratio | 11.4159% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $324,543,500 | 2,318 |
| Average earning assets | $303,478,500 | 2,306 |
| Average equity | $36,723,000 | 2,217 |
| Average total loans | $258,079,500 | 1,922 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 1,172 |
| Cost of funding earning assets | 0.9760% | 655 |
| Net interest margin | 3.5878% | 2,176 |
| Noninterest income to average assets | 0.2128% | 4,213 |
| Noninterest expense to average assets | 1.8006% | 4,470 |
| Loan and lease loss provision to assets | 0.3146% | 1,185 |
| Net operating income to assets | 1.1975% | 1,564 |
| Return on assets (ROA) | 1.1986% | 1,663 |
| Pretax return on assets | 1.5009% | 1,327 |
| Return on Equity (ROE) | 10.4858% | 1,812 |
| Retained earnings to average equity (ytd only) | 7.0293% | 1,387 |
| Net charge-offs to loans | 0.1671% | 995 |
| Credit loss provision to net charge-offs | 232.6139% | 2,006 |
| Earnings coverage of net charge-offs (x) | 13.4125% | 2,280 |
| Efficiency ratio | 49.8116% | 4,544 |
| Assets per employee ($millions) | 6.2053% | 2,162 |
| Cash dividends to net income (ytd only)* | 32.9635% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 462 |
| Loan loss allowance to noncurrent loans | 85.8411% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.9929% | 284 |
| Noncurrent loans to loans | 2.4862% | 407 |
| Net loans and leases to total assets | 78.4498% | 559 |
| Net loans and leases to deposits | 93.7827% | 670 |
| Net loans and leases to core deposits | 98.0065% | 1,007 |
| Total domestic deposits to total assets | 83.6506% | 3,218 |
| Equity capital to assets | 11.4851% | 1,895 |
| Core capital (leverage) ratio | 11.4726% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,283,200 | 2,252 |
| Average earning assets | $292,323,200 | 2,220 |
| Average equity | $35,238,000 | 2,221 |
| Average total loans | $249,604,200 | 1,923 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 1,359 |
| Cost of funding earning assets | 1.0215% | 710 |
| Net interest margin | 3.5612% | 2,389 |
| Noninterest income to average assets | 0.2007% | 4,275 |
| Noninterest expense to average assets | 1.8081% | 4,482 |
| Loan and lease loss provision to assets | 0.2351% | 1,733 |
| Net operating income to assets | 1.2360% | 1,530 |
| Return on assets (ROA) | 1.2374% | 1,646 |
| Pretax return on assets | 1.5517% | 1,322 |
| Return on Equity (ROE) | 10.8386% | 1,735 |
| Retained earnings to average equity (ytd only) | 8.5732% | 1,117 |
| Net charge-offs to loans | 0.2145% | 710 |
| Credit loss provision to net charge-offs | 135.0000% | 2,417 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 2,368 |
| Efficiency ratio | 50.3211% | 4,468 |
| Assets per employee ($millions) | 5.8434% | 2,401 |
| Cash dividends to net income (ytd only)* | 20.9008% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 527 |
| Loan loss allowance to noncurrent loans | 58.2576% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 2.7210% | 178 |
| Noncurrent loans to loans | 3.3757% | 247 |
| Net loans and leases to total assets | 79.0216% | 710 |
| Net loans and leases to deposits | 94.5488% | 876 |
| Net loans and leases to core deposits | 99.1790% | 1,222 |
| Total domestic deposits to total assets | 83.5775% | 2,961 |
| Equity capital to assets | 11.4520% | 2,048 |
| Core capital (leverage) ratio | 11.3812% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,236,250 | 2,242 |
| Average earning assets | $291,731,750 | 2,209 |
| Average equity | $34,960,750 | 2,224 |
| Average total loans | $248,584,000 | 1,929 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7136% | 1,375 |
| Cost of funding earning assets | 1.0793% | 760 |
| Net interest margin | 3.6344% | 2,363 |
| Noninterest income to average assets | 0.1940% | 4,306 |
| Noninterest expense to average assets | 1.7636% | 4,610 |
| Loan and lease loss provision to assets | 0.2375% | 1,777 |
| Net operating income to assets | 1.3159% | 1,320 |
| Return on assets (ROA) | 1.3169% | 1,417 |
| Pretax return on assets | 1.6468% | 1,110 |
| Return on Equity (ROE) | 11.5479% | 1,466 |
| Retained earnings to average equity (ytd only) | 8.1113% | 1,267 |
| Net charge-offs to loans | 0.2611% | 603 |
| Credit loss provision to net charge-offs | 111.8012% | 2,328 |
| Earnings coverage of net charge-offs (x) | 8.8634% | 2,260 |
| Efficiency ratio | 48.3626% | 4,601 |
| Assets per employee ($millions) | 6.1551% | 2,060 |
| Cash dividends to net income (ytd only)* | 29.7595% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 494 |
| Loan loss allowance to noncurrent loans | 96.6660% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.6148% | 543 |
| Noncurrent loans to loans | 1.9980% | 680 |
| Net loans and leases to total assets | 79.2588% | 689 |
| Net loans and leases to deposits | 95.8509% | 812 |
| Net loans and leases to core deposits | 102.0726% | 1,113 |
| Total domestic deposits to total assets | 82.6897% | 3,183 |
| Equity capital to assets | 11.2408% | 2,155 |
| Core capital (leverage) ratio | 11.3692% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,134,000 | 2,236 |
| Average earning assets | $287,974,333 | 2,200 |
| Average equity | $34,569,000 | 2,229 |
| Average total loans | $246,662,333 | 1,927 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 1,309 |
| Cost of funding earning assets | 1.1476% | 916 |
| Net interest margin | 3.7010% | 2,313 |
| Noninterest income to average assets | 0.1961% | 4,374 |
| Noninterest expense to average assets | 1.7975% | 4,671 |
| Loan and lease loss provision to assets | 0.2418% | 1,285 |
| Net operating income to assets | 1.3421% | 1,126 |
| Return on assets (ROA) | 1.3421% | 1,219 |
| Pretax return on assets | 1.6793% | 894 |
| Return on Equity (ROE) | 11.6806% | 1,201 |
| Retained earnings to average equity (ytd only) | 11.6806% | 460 |
| Net charge-offs to loans | 0.0280% | 1,817 |
| Credit loss provision to net charge-offs | 1,058.8235% | 549 |
| Earnings coverage of net charge-offs (x) | 84.1176% | 650 |
| Efficiency ratio | 48.3382% | 4,739 |
| Assets per employee ($millions) | 5.8199% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 465 |
| Loan loss allowance to noncurrent loans | 112.4413% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.5056% | 705 |
| Noncurrent loans to loans | 1.8268% | 817 |
| Net loans and leases to total assets | 80.7288% | 602 |
| Net loans and leases to deposits | 98.3843% | 670 |
| Net loans and leases to core deposits | 105.1893% | 1,104 |
| Total domestic deposits to total assets | 82.0545% | 3,409 |
| Equity capital to assets | 11.6763% | 2,302 |
| Core capital (leverage) ratio | 11.7613% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,745,500 | 2,223 |
| Average earning assets | $283,384,500 | 2,180 |
| Average equity | $34,210,500 | 2,236 |
| Average total loans | $243,142,500 | 1,910 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0215% | 1,421 |
| Cost of funding earning assets | 1.2126% | 1,000 |
| Net interest margin | 3.8089% | 2,475 |
| Noninterest income to average assets | 0.1990% | 4,470 |
| Noninterest expense to average assets | 1.8550% | 4,708 |
| Loan and lease loss provision to assets | 0.2906% | 585 |
| Net operating income to assets | 1.3372% | 1,555 |
| Return on assets (ROA) | 1.3519% | 1,576 |
| Pretax return on assets | 1.6889% | 1,217 |
| Return on Equity (ROE) | 11.7666% | 1,597 |
| Retained earnings to average equity (ytd only) | 3.0327% | 3,514 |
| Net charge-offs to loans | 0.1452% | 1,354 |
| Credit loss provision to net charge-offs | 242.0749% | 1,119 |
| Earnings coverage of net charge-offs (x) | 16.3343% | 2,178 |
| Efficiency ratio | 48.6082% | 4,801 |
| Assets per employee ($millions) | 5.7438% | 1,845 |
| Cash dividends to net income (ytd only)* | 74.2257% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0121% | 449 |
| Loan loss allowance to noncurrent loans | 72.8717% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.2339% | 319 |
| Noncurrent loans to loans | 2.7611% | 372 |
| Net loans and leases to total assets | 79.2775% | 886 |
| Net loans and leases to deposits | 94.9986% | 1,052 |
| Net loans and leases to core deposits | 101.3305% | 1,458 |
| Total domestic deposits to total assets | 83.4512% | 3,048 |
| Equity capital to assets | 11.3046% | 2,700 |
| Core capital (leverage) ratio | 11.2502% | 2,295 |
| Tier 1 risk-based capital ratio | 15.0901% | 2,747 |
| Total risk-based capital ratio | 16.3515% | 2,668 |
| Memoranda: | ||
| Average total assets | $289,008,600 | 2,227 |
| Average earning assets | $274,461,600 | 2,181 |
| Average equity | $33,204,200 | 2,226 |
| Average total loans | $238,899,600 | 1,897 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 1,408 |
| Cost of funding earning assets | 1.2020% | 1,036 |
| Net interest margin | 3.8504% | 2,434 |
| Noninterest income to average assets | 0.2140% | 4,445 |
| Noninterest expense to average assets | 1.8665% | 4,738 |
| Loan and lease loss provision to assets | 0.2931% | 508 |
| Net operating income to assets | 1.3709% | 1,571 |
| Return on assets (ROA) | 1.3799% | 1,604 |
| Pretax return on assets | 1.7213% | 1,281 |
| Return on Equity (ROE) | 11.9603% | 1,636 |
| Retained earnings to average equity (ytd only) | 2.6614% | 4,026 |
| Net charge-offs to loans | 0.0772% | 1,721 |
| Credit loss provision to net charge-offs | 456.5217% | 681 |
| Earnings coverage of net charge-offs (x) | 31.2021% | 1,589 |
| Efficiency ratio | 48.2327% | 4,840 |
| Assets per employee ($millions) | 5.8946% | 1,677 |
| Cash dividends to net income (ytd only)* | 77.7478% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0102% | 463 |
| Loan loss allowance to noncurrent loans | 79.8850% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 2.0646% | 410 |
| Noncurrent loans to loans | 2.5164% | 460 |
| Net loans and leases to total assets | 80.3980% | 796 |
| Net loans and leases to deposits | 96.6899% | 928 |
| Net loans and leases to core deposits | 101.1185% | 1,573 |
| Total domestic deposits to total assets | 83.1503% | 3,107 |
| Equity capital to assets | 11.3487% | 2,795 |
| Core capital (leverage) ratio | 11.3712% | 2,325 |
| Tier 1 risk-based capital ratio | 14.9982% | 2,847 |
| Total risk-based capital ratio | 16.2596% | 2,774 |
| Memoranda: | ||
| Average total assets | $286,592,000 | 2,255 |
| Average earning assets | $272,105,500 | 2,216 |
| Average equity | $33,064,250 | 2,250 |
| Average total loans | $238,213,500 | 1,910 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0414% | 1,366 |
| Cost of funding earning assets | 1.1816% | 1,043 |
| Net interest margin | 3.8599% | 2,370 |
| Noninterest income to average assets | 0.2198% | 4,430 |
| Noninterest expense to average assets | 1.8797% | 4,776 |
| Loan and lease loss provision to assets | 0.2959% | 469 |
| Net operating income to assets | 1.3637% | 1,533 |
| Return on assets (ROA) | 1.3766% | 1,552 |
| Pretax return on assets | 1.7197% | 1,235 |
| Return on Equity (ROE) | 11.8653% | 1,632 |
| Retained earnings to average equity (ytd only) | 2.5322% | 3,932 |
| Net charge-offs to loans | 0.1283% | 1,175 |
| Credit loss provision to net charge-offs | 276.3158% | 944 |
| Earnings coverage of net charge-offs (x) | 18.6711% | 1,851 |
| Efficiency ratio | 48.4562% | 4,869 |
| Assets per employee ($millions) | 5.7953% | 1,700 |
| Cash dividends to net income (ytd only)* | 78.6592% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 541 |
| Loan loss allowance to noncurrent loans | 62.9685% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.5414% | 287 |
| Noncurrent loans to loans | 3.0547% | 328 |
| Net loans and leases to total assets | 81.5952% | 662 |
| Net loans and leases to deposits | 98.6297% | 785 |
| Net loans and leases to core deposits | 103.0061% | 1,470 |
| Total domestic deposits to total assets | 82.7289% | 3,297 |
| Equity capital to assets | 11.4585% | 2,632 |
| Core capital (leverage) ratio | 11.6003% | 2,091 |
| Tier 1 risk-based capital ratio | 14.6733% | 2,981 |
| Total risk-based capital ratio | 15.9333% | 2,905 |
| Memoranda: | ||
| Average total assets | $283,879,330 | 2,272 |
| Average earning assets | $269,129,330 | 2,237 |
| Average equity | $32,936,330 | 2,251 |
| Average total loans | $237,012,000 | 1,927 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 1,370 |
| Cost of funding earning assets | 1.1557% | 1,029 |
| Net interest margin | 3.8279% | 2,426 |
| Noninterest income to average assets | 0.1965% | 4,583 |
| Noninterest expense to average assets | 1.9051% | 4,792 |
| Loan and lease loss provision to assets | 0.2990% | 429 |
| Net operating income to assets | 1.2965% | 1,707 |
| Return on assets (ROA) | 1.3455% | 1,578 |
| Pretax return on assets | 1.6801% | 1,259 |
| Return on Equity (ROE) | 11.5233% | 1,727 |
| Retained earnings to average equity (ytd only) | 3.9021% | 3,350 |
| Net charge-offs to loans | 0.2434% | 596 |
| Credit loss provision to net charge-offs | 146.8531% | 1,263 |
| Earnings coverage of net charge-offs (x) | 9.4196% | 2,031 |
| Efficiency ratio | 49.8324% | 4,841 |
| Assets per employee ($millions) | 5.5596% | 1,930 |
| Cash dividends to net income (ytd only)* | 66.1376% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 601 |
| Loan loss allowance to noncurrent loans | 68.5308% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 2.2829% | 376 |
| Noncurrent loans to loans | 2.7567% | 431 |
| Net loans and leases to total assets | 81.2482% | 676 |
| Net loans and leases to deposits | 97.9760% | 790 |
| Net loans and leases to core deposits | 102.3880% | 1,427 |
| Total domestic deposits to total assets | 82.9266% | 3,406 |
| Equity capital to assets | 11.6378% | 2,282 |
| Core capital (leverage) ratio | 11.7991% | 1,909 |
| Tier 1 risk-based capital ratio | 15.0912% | 2,845 |
| Total risk-based capital ratio | 16.3506% | 2,750 |
| Memoranda: | ||
| Average total assets | $280,935,500 | 2,309 |
| Average earning assets | $266,151,000 | 2,269 |
| Average equity | $32,803,000 | 2,262 |
| Average total loans | $234,981,500 | 1,959 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 1,296 |
| Cost of funding earning assets | 0.9317% | 989 |
| Net interest margin | 3.9653% | 2,109 |
| Noninterest income to average assets | 0.2145% | 4,626 |
| Noninterest expense to average assets | 1.8812% | 4,922 |
| Loan and lease loss provision to assets | 0.3839% | 366 |
| Net operating income to assets | 1.3626% | 1,560 |
| Return on assets (ROA) | 1.4102% | 1,383 |
| Pretax return on assets | 1.7653% | 1,011 |
| Return on Equity (ROE) | 12.1708% | 1,655 |
| Retained earnings to average equity (ytd only) | 8.8860% | 909 |
| Net charge-offs to loans | 0.0903% | 1,874 |
| Credit loss provision to net charge-offs | 502.4155% | 687 |
| Earnings coverage of net charge-offs (x) | 27.3478% | 1,690 |
| Efficiency ratio | 47.3738% | 5,069 |
| Assets per employee ($millions) | 5.4575% | 2,000 |
| Cash dividends to net income (ytd only)* | 26.9895% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8579% | 614 |
| Loan loss allowance to noncurrent loans | 74.3660% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 2.1108% | 436 |
| Noncurrent loans to loans | 2.4984% | 485 |
| Net loans and leases to total assets | 82.9181% | 520 |
| Net loans and leases to deposits | 101.2330% | 648 |
| Net loans and leases to core deposits | 105.9210% | 1,274 |
| Total domestic deposits to total assets | 81.9082% | 3,663 |
| Equity capital to assets | 11.7156% | 2,088 |
| Core capital (leverage) ratio | 11.8530% | 1,830 |
| Tier 1 risk-based capital ratio | 14.8736% | 2,891 |
| Total risk-based capital ratio | 16.1237% | 2,823 |
| Memoranda: | ||
| Average total assets | $270,886,800 | 2,327 |
| Average earning assets | $256,625,000 | 2,290 |
| Average equity | $31,386,600 | 2,258 |
| Average total loans | $229,147,400 | 1,953 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 1,301 |
| Cost of funding earning assets | 0.8951% | 944 |
| Net interest margin | 3.9552% | 2,108 |
| Noninterest income to average assets | 0.2111% | 4,699 |
| Noninterest expense to average assets | 1.9026% | 4,894 |
| Loan and lease loss provision to assets | 0.3618% | 368 |
| Net operating income to assets | 1.3526% | 1,653 |
| Return on assets (ROA) | 1.4164% | 1,430 |
| Pretax return on assets | 1.7757% | 1,069 |
| Return on Equity (ROE) | 12.2600% | 1,695 |
| Retained earnings to average equity (ytd only) | 10.1152% | 883 |
| Net charge-offs to loans | 0.0029% | 3,369 |
| Credit loss provision to net charge-offs | 14,600.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 829.9640% | 103 |
| Efficiency ratio | 48.0415% | 5,049 |
| Assets per employee ($millions) | 5.4599% | 1,954 |
| Cash dividends to net income (ytd only)* | 17.4948% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 730 |
| Loan loss allowance to noncurrent loans | 71.3496% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.1447% | 476 |
| Noncurrent loans to loans | 2.5182% | 518 |
| Net loans and leases to total assets | 83.6359% | 496 |
| Net loans and leases to deposits | 102.0561% | 649 |
| Net loans and leases to core deposits | 106.4986% | 1,268 |
| Total domestic deposits to total assets | 81.9509% | 3,623 |
| Equity capital to assets | 11.5677% | 2,212 |
| Core capital (leverage) ratio | 11.7635% | 1,948 |
| Tier 1 risk-based capital ratio | 14.7013% | 3,015 |
| Total risk-based capital ratio | 15.9774% | 2,929 |
| Memoranda: | ||
| Average total assets | $269,026,000 | 2,349 |
| Average earning assets | $255,017,250 | 2,312 |
| Average equity | $31,081,250 | 2,277 |
| Average total loans | $227,645,500 | 1,967 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 1,313 |
| Cost of funding earning assets | 0.8568% | 891 |
| Net interest margin | 3.9184% | 2,148 |
| Noninterest income to average assets | 0.2768% | 4,335 |
| Noninterest expense to average assets | 1.9369% | 4,908 |
| Loan and lease loss provision to assets | 0.3535% | 365 |
| Net operating income to assets | 1.3570% | 1,578 |
| Return on assets (ROA) | 1.3570% | 1,582 |
| Pretax return on assets | 1.7053% | 1,200 |
| Return on Equity (ROE) | 11.7507% | 1,821 |
| Retained earnings to average equity (ytd only) | 8.4938% | 1,411 |
| Net charge-offs to loans | 0.0053% | 2,968 |
| Credit loss provision to net charge-offs | 7,833.3333% | 55 |
| Earnings coverage of net charge-offs (x) | 456.1667% | 197 |
| Efficiency ratio | 48.4752% | 5,092 |
| Assets per employee ($millions) | 5.0944% | 2,298 |
| Cash dividends to net income (ytd only)* | 27.7162% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 854 |
| Loan loss allowance to noncurrent loans | 103.2525% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 944 |
| Noncurrent loans to loans | 1.6776% | 952 |
| Net loans and leases to total assets | 84.0473% | 457 |
| Net loans and leases to deposits | 101.0531% | 729 |
| Net loans and leases to core deposits | 105.3812% | 1,288 |
| Total domestic deposits to total assets | 83.1714% | 3,358 |
| Equity capital to assets | 11.5735% | 2,143 |
| Core capital (leverage) ratio | 11.7462% | 1,875 |
| Tier 1 risk-based capital ratio | 14.6291% | 3,053 |
| Total risk-based capital ratio | 15.9212% | 2,955 |
| Memoranda: | ||
| Average total assets | $265,882,330 | 2,377 |
| Average earning assets | $252,346,330 | 2,341 |
| Average equity | $30,704,670 | 2,306 |
| Average total loans | $224,477,000 | 1,994 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7449% | 1,200 |
| Cost of funding earning assets | 0.8371% | 805 |
| Net interest margin | 3.9077% | 2,018 |
| Noninterest income to average assets | 0.2198% | 4,690 |
| Noninterest expense to average assets | 1.8983% | 5,023 |
| Loan and lease loss provision to assets | 0.3184% | 396 |
| Net operating income to assets | 1.3752% | 1,409 |
| Return on assets (ROA) | 1.3752% | 1,424 |
| Pretax return on assets | 1.7118% | 1,085 |
| Return on Equity (ROE) | 11.9215% | 1,606 |
| Retained earnings to average equity (ytd only) | 11.9215% | 695 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3211% | 5,179 |
| Assets per employee ($millions) | 5.2888% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6848% | 983 |
| Loan loss allowance to noncurrent loans | 107.4276% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.3186% | 1,123 |
| Noncurrent loans to loans | 1.5683% | 1,112 |
| Net loans and leases to total assets | 82.6615% | 579 |
| Net loans and leases to deposits | 99.6254% | 737 |
| Net loans and leases to core deposits | 103.7318% | 1,395 |
| Total domestic deposits to total assets | 82.9724% | 3,676 |
| Equity capital to assets | 11.6650% | 2,020 |
| Core capital (leverage) ratio | 11.7575% | 1,812 |
| Tier 1 risk-based capital ratio | 15.0762% | 2,835 |
| Total risk-based capital ratio | 16.3657% | 2,757 |
| Memoranda: | ||
| Average total assets | $263,821,500 | 2,414 |
| Average earning assets | $250,374,500 | 2,373 |
| Average equity | $30,432,500 | 2,339 |
| Average total loans | $221,250,000 | 2,027 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6703% | 1,260 |
| Cost of funding earning assets | 0.7868% | 673 |
| Net interest margin | 3.8835% | 2,139 |
| Noninterest income to average assets | 0.2090% | 4,891 |
| Noninterest expense to average assets | 1.8636% | 5,168 |
| Loan and lease loss provision to assets | 0.4517% | 303 |
| Net operating income to assets | 0.9179% | 2,608 |
| Return on assets (ROA) | 0.9593% | 2,442 |
| Pretax return on assets | 1.6313% | 1,215 |
| Return on Equity (ROE) | 8.3817% | 2,613 |
| Retained earnings to average equity (ytd only) | 4.8718% | 2,208 |
| Net charge-offs to loans | 0.2985% | 872 |
| Credit loss provision to net charge-offs | 178.1346% | 1,518 |
| Earnings coverage of net charge-offs (x) | 7.9587% | 2,970 |
| Efficiency ratio | 48.0072% | 5,318 |
| Assets per employee ($millions) | 5.3715% | 2,083 |
| Cash dividends to net income (ytd only)* | 41.8755% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 1,132 |
| Loan loss allowance to noncurrent loans | 193.6473% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 2,239 |
| Noncurrent loans to loans | 0.8294% | 2,146 |
| Net loans and leases to total assets | 82.3045% | 639 |
| Net loans and leases to deposits | 98.9146% | 821 |
| Net loans and leases to core deposits | 102.5313% | 1,521 |
| Total domestic deposits to total assets | 83.2076% | 3,493 |
| Equity capital to assets | 11.4049% | 2,278 |
| Core capital (leverage) ratio | 11.4677% | 1,959 |
| Tier 1 risk-based capital ratio | 14.7063% | 2,988 |
| Total risk-based capital ratio | 15.9960% | 2,904 |
| Memoranda: | ||
| Average total assets | $257,892,800 | 2,434 |
| Average earning assets | $243,902,000 | 2,389 |
| Average equity | $29,516,800 | 2,391 |
| Average total loans | $219,096,800 | 2,007 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,254 |
| Cost of funding earning assets | 0.7750% | 668 |
| Net interest margin | 3.8711% | 2,137 |
| Noninterest income to average assets | 0.2042% | 4,987 |
| Noninterest expense to average assets | 1.8895% | 5,149 |
| Loan and lease loss provision to assets | 0.4521% | 285 |
| Net operating income to assets | 1.0384% | 2,380 |
| Return on assets (ROA) | 1.0794% | 2,235 |
| Pretax return on assets | 1.5803% | 1,487 |
| Return on Equity (ROE) | 9.4220% | 2,393 |
| Retained earnings to average equity (ytd only) | 7.1629% | 1,606 |
| Net charge-offs to loans | 0.2778% | 777 |
| Credit loss provision to net charge-offs | 190.7895% | 1,393 |
| Earnings coverage of net charge-offs (x) | 8.3224% | 2,797 |
| Efficiency ratio | 48.9302% | 5,293 |
| Assets per employee ($millions) | 5.2433% | 2,181 |
| Cash dividends to net income (ytd only)* | 23.9768% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 1,352 |
| Loan loss allowance to noncurrent loans | 150.4374% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 1,930 |
| Noncurrent loans to loans | 1.0328% | 1,875 |
| Net loans and leases to total assets | 84.8099% | 356 |
| Net loans and leases to deposits | 102.8243% | 559 |
| Net loans and leases to core deposits | 107.5281% | 1,168 |
| Total domestic deposits to total assets | 82.4804% | 3,633 |
| Equity capital to assets | 11.7595% | 2,147 |
| Core capital (leverage) ratio | 11.6786% | 1,902 |
| Tier 1 risk-based capital ratio | 14.6899% | 3,075 |
| Total risk-based capital ratio | 15.9799% | 2,981 |
| Memoranda: | ||
| Average total assets | $256,565,500 | 2,461 |
| Average earning assets | $242,406,500 | 2,422 |
| Average equity | $29,391,500 | 2,418 |
| Average total loans | $218,830,250 | 2,016 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5704% | 1,328 |
| Cost of funding earning assets | 0.7642% | 638 |
| Net interest margin | 3.8062% | 2,265 |
| Noninterest income to average assets | 0.2004% | 5,045 |
| Noninterest expense to average assets | 1.8733% | 5,224 |
| Loan and lease loss provision to assets | 0.4250% | 299 |
| Net operating income to assets | 1.0223% | 2,319 |
| Return on assets (ROA) | 1.0685% | 2,173 |
| Pretax return on assets | 1.5629% | 1,450 |
| Return on Equity (ROE) | 9.4101% | 2,311 |
| Retained earnings to average equity (ytd only) | 5.9895% | 2,120 |
| Net charge-offs to loans | 0.0321% | 2,556 |
| Credit loss provision to net charge-offs | 1,557.1429% | 264 |
| Earnings coverage of net charge-offs (x) | 70.3429% | 837 |
| Efficiency ratio | 49.3832% | 5,336 |
| Assets per employee ($millions) | 5.1939% | 2,162 |
| Cash dividends to net income (ytd only)* | 36.3504% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,261 |
| Loan loss allowance to noncurrent loans | 105.9335% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2850% | 1,293 |
| Noncurrent loans to loans | 1.5075% | 1,248 |
| Net loans and leases to total assets | 83.8754% | 461 |
| Net loans and leases to deposits | 101.4886% | 637 |
| Net loans and leases to core deposits | 106.0730% | 1,227 |
| Total domestic deposits to total assets | 82.6452% | 3,673 |
| Equity capital to assets | 11.3613% | 2,446 |
| Core capital (leverage) ratio | 11.3754% | 2,069 |
| Tier 1 risk-based capital ratio | 14.2474% | 3,291 |
| Total risk-based capital ratio | 15.5307% | 3,196 |
| Memoranda: | ||
| Average total assets | $256,446,000 | 2,473 |
| Average earning assets | $242,081,000 | 2,430 |
| Average equity | $29,117,670 | 2,430 |
| Average total loans | $217,995,000 | 2,023 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 1,437 |
| Cost of funding earning assets | 0.7650% | 601 |
| Net interest margin | 3.7101% | 2,455 |
| Noninterest income to average assets | 0.2009% | 5,065 |
| Noninterest expense to average assets | 1.8648% | 5,286 |
| Loan and lease loss provision to assets | 0.4081% | 269 |
| Net operating income to assets | 0.9789% | 2,398 |
| Return on assets (ROA) | 1.0376% | 2,180 |
| Pretax return on assets | 1.5164% | 1,487 |
| Return on Equity (ROE) | 9.1412% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.1412% | 1,033 |
| Net charge-offs to loans | -0.0721% | 5,333 |
| Credit loss provision to net charge-offs | -666.6667% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3603% | 5,357 |
| Assets per employee ($millions) | 5.3112% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5427% | 1,534 |
| Loan loss allowance to noncurrent loans | 81.7712% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.5620% | 1,007 |
| Noncurrent loans to loans | 1.8866% | 972 |
| Net loans and leases to total assets | 81.5166% | 623 |
| Net loans and leases to deposits | 99.2733% | 662 |
| Net loans and leases to core deposits | 104.0268% | 1,223 |
| Total domestic deposits to total assets | 82.1134% | 4,143 |
| Equity capital to assets | 11.2377% | 2,397 |
| Core capital (leverage) ratio | 11.4290% | 2,000 |
| Tier 1 risk-based capital ratio | 14.5007% | 3,201 |
| Total risk-based capital ratio | 15.7904% | 3,109 |
| Memoranda: | ||
| Average total assets | $254,820,500 | 2,505 |
| Average earning assets | $240,530,500 | 2,464 |
| Average equity | $28,924,000 | 2,446 |
| Average total loans | $216,314,000 | 2,049 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 1,389 |
| Cost of funding earning assets | 0.7317% | 694 |
| Net interest margin | 3.8251% | 2,228 |
| Noninterest income to average assets | 0.2138% | 5,138 |
| Noninterest expense to average assets | 1.9664% | 5,256 |
| Loan and lease loss provision to assets | 0.4003% | 388 |
| Net operating income to assets | 1.0029% | 2,341 |
| Return on assets (ROA) | 1.0360% | 2,302 |
| Pretax return on assets | 1.5144% | 1,541 |
| Return on Equity (ROE) | 9.1225% | 2,358 |
| Retained earnings to average equity (ytd only) | 5.8479% | 1,792 |
| Net charge-offs to loans | 0.4332% | 592 |
| Credit loss provision to net charge-offs | 106.3715% | 2,450 |
| Earnings coverage of net charge-offs (x) | 4.9579% | 3,415 |
| Efficiency ratio | 51.3098% | 5,422 |
| Assets per employee ($millions) | 4.9878% | 2,409 |
| Cash dividends to net income (ytd only)* | 35.8964% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 2,110 |
| Loan loss allowance to noncurrent loans | 59.1513% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.2675% | 560 |
| Noncurrent loans to loans | 2.3550% | 693 |
| Net loans and leases to total assets | 85.8620% | 240 |
| Net loans and leases to deposits | 106.2073% | 336 |
| Net loans and leases to core deposits | 111.5957% | 795 |
| Total domestic deposits to total assets | 80.8437% | 4,370 |
| Equity capital to assets | 11.4687% | 2,199 |
| Core capital (leverage) ratio | 11.4894% | 1,935 |
| Tier 1 risk-based capital ratio | 14.2038% | 3,346 |
| Total risk-based capital ratio | 15.5084% | 3,237 |
| Memoranda: | ||
| Average total assets | $246,037,600 | 2,544 |
| Average earning assets | $232,752,200 | 2,494 |
| Average equity | $27,941,800 | 2,513 |
| Average total loans | $213,750,400 | 2,015 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 1,399 |
| Cost of funding earning assets | 0.7252% | 717 |
| Net interest margin | 3.8272% | 2,236 |
| Noninterest income to average assets | 0.2577% | 4,919 |
| Noninterest expense to average assets | 1.9961% | 5,211 |
| Loan and lease loss provision to assets | 0.3235% | 511 |
| Net operating income to assets | 1.0679% | 2,128 |
| Return on assets (ROA) | 1.0679% | 2,237 |
| Pretax return on assets | 1.5622% | 1,489 |
| Return on Equity (ROE) | 9.4273% | 2,297 |
| Retained earnings to average equity (ytd only) | 7.0609% | 1,596 |
| Net charge-offs to loans | 0.0438% | 2,767 |
| Credit loss provision to net charge-offs | 850.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 49.5433% | 1,082 |
| Efficiency ratio | 51.4218% | 5,417 |
| Assets per employee ($millions) | 5.0827% | 2,275 |
| Cash dividends to net income (ytd only)* | 25.1020% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 1,453 |
| Loan loss allowance to noncurrent loans | 59.5835% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.3525% | 599 |
| Noncurrent loans to loans | 2.6919% | 613 |
| Net loans and leases to total assets | 85.9932% | 252 |
| Net loans and leases to deposits | 107.4397% | 328 |
| Net loans and leases to core deposits | 112.2516% | 796 |
| Total domestic deposits to total assets | 80.0385% | 4,506 |
| Equity capital to assets | 11.4443% | 2,557 |
| Core capital (leverage) ratio | 11.4588% | 2,065 |
| Tier 1 risk-based capital ratio | 14.1705% | 3,466 |
| Total risk-based capital ratio | 15.4555% | 3,380 |
| Memoranda: | ||
| Average total assets | $245,199,250 | 2,556 |
| Average earning assets | $232,191,500 | 2,505 |
| Average equity | $27,776,750 | 2,542 |
| Average total loans | $212,898,750 | 2,029 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 1,418 |
| Cost of funding earning assets | 0.7223% | 714 |
| Net interest margin | 3.8124% | 2,261 |
| Noninterest income to average assets | 0.2115% | 5,227 |
| Noninterest expense to average assets | 2.0032% | 5,261 |
| Loan and lease loss provision to assets | 0.2460% | 797 |
| Net operating income to assets | 1.0709% | 2,084 |
| Return on assets (ROA) | 1.0709% | 2,205 |
| Pretax return on assets | 1.5678% | 1,466 |
| Return on Equity (ROE) | 9.4861% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.0577% | 2,087 |
| Net charge-offs to loans | 0.0757% | 2,106 |
| Credit loss provision to net charge-offs | 375.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 27.6500% | 1,452 |
| Efficiency ratio | 52.4812% | 5,417 |
| Assets per employee ($millions) | 5.1143% | 2,180 |
| Cash dividends to net income (ytd only)* | 36.1409% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4972% | 1,869 |
| Loan loss allowance to noncurrent loans | 75.5334% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.7264% | 1,028 |
| Noncurrent loans to loans | 1.9822% | 1,006 |
| Net loans and leases to total assets | 85.3846% | 300 |
| Net loans and leases to deposits | 104.4536% | 437 |
| Net loans and leases to core deposits | 109.0845% | 976 |
| Total domestic deposits to total assets | 81.7440% | 4,076 |
| Equity capital to assets | 11.3550% | 2,689 |
| Core capital (leverage) ratio | 11.1918% | 2,244 |
| Tier 1 risk-based capital ratio | 14.1618% | 3,519 |
| Total risk-based capital ratio | 15.4479% | 3,416 |
| Memoranda: | ||
| Average total assets | $243,915,670 | 2,578 |
| Average earning assets | $230,666,000 | 2,528 |
| Average equity | $27,535,000 | 2,563 |
| Average total loans | $211,312,670 | 2,044 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 1,381 |
| Cost of funding earning assets | 0.7188% | 733 |
| Net interest margin | 3.8290% | 2,189 |
| Noninterest income to average assets | 0.2089% | 5,236 |
| Noninterest expense to average assets | 2.0302% | 5,262 |
| Loan and lease loss provision to assets | 0.1974% | 996 |
| Net operating income to assets | 1.0924% | 1,936 |
| Return on assets (ROA) | 1.0924% | 2,035 |
| Pretax return on assets | 1.6008% | 1,292 |
| Return on Equity (ROE) | 9.7058% | 2,113 |
| Retained earnings to average equity (ytd only) | 9.7058% | 922 |
| Net charge-offs to loans | 0.0494% | 2,052 |
| Credit loss provision to net charge-offs | 461.5385% | 645 |
| Earnings coverage of net charge-offs (x) | 42.0385% | 986 |
| Efficiency ratio | 53.0297% | 5,451 |
| Assets per employee ($millions) | 5.2451% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 2,192 |
| Loan loss allowance to noncurrent loans | 90.4523% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 1,537 |
| Noncurrent loans to loans | 1.6048% | 1,440 |
| Net loans and leases to total assets | 84.2712% | 345 |
| Net loans and leases to deposits | 103.0133% | 459 |
| Net loans and leases to core deposits | 107.3905% | 1,000 |
| Total domestic deposits to total assets | 81.8061% | 4,283 |
| Equity capital to assets | 11.2335% | 2,699 |
| Core capital (leverage) ratio | 11.2877% | 2,157 |
| Tier 1 risk-based capital ratio | 14.0463% | 3,662 |
| Total risk-based capital ratio | 15.3329% | 3,567 |
| Memoranda: | ||
| Average total assets | $243,130,000 | 2,596 |
| Average earning assets | $229,828,000 | 2,550 |
| Average equity | $27,365,000 | 2,571 |
| Average total loans | $210,572,000 | 2,046 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 1,151 |
| Cost of funding earning assets | 0.6946% | 844 |
| Net interest margin | 3.9851% | 1,769 |
| Noninterest income to average assets | 0.2040% | 5,375 |
| Noninterest expense to average assets | 1.9876% | 5,475 |
| Loan and lease loss provision to assets | 0.2044% | 1,045 |
| Net operating income to assets | 1.2084% | 1,519 |
| Return on assets (ROA) | 1.2084% | 1,589 |
| Pretax return on assets | 1.7692% | 857 |
| Return on Equity (ROE) | 10.8664% | 1,659 |
| Retained earnings to average equity (ytd only) | 7.6922% | 1,022 |
| Net charge-offs to loans | 0.0342% | 3,523 |
| Credit loss provision to net charge-offs | 685.7143% | 488 |
| Earnings coverage of net charge-offs (x) | 66.2143% | 811 |
| Efficiency ratio | 50.1774% | 5,753 |
| Assets per employee ($millions) | 4.9945% | 2,370 |
| Cash dividends to net income (ytd only)* | 29.2107% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 2,373 |
| Loan loss allowance to noncurrent loans | 124.6742% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 2,215 |
| Noncurrent loans to loans | 1.1310% | 2,077 |
| Net loans and leases to total assets | 86.4990% | 193 |
| Net loans and leases to deposits | 104.8059% | 403 |
| Net loans and leases to core deposits | 109.5491% | 884 |
| Total domestic deposits to total assets | 82.5326% | 4,009 |
| Equity capital to assets | 11.2777% | 2,563 |
| Core capital (leverage) ratio | 11.2666% | 2,145 |
| Tier 1 risk-based capital ratio | 13.8029% | 3,826 |
| Total risk-based capital ratio | 15.1000% | 3,734 |
| Memoranda: | ||
| Average total assets | $234,855,000 | 2,626 |
| Average earning assets | $221,426,800 | 2,573 |
| Average equity | $26,117,200 | 2,616 |
| Average total loans | $204,854,800 | 2,030 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 1,131 |
| Cost of funding earning assets | 0.6884% | 891 |
| Net interest margin | 3.9940% | 1,724 |
| Noninterest income to average assets | 0.1997% | 5,443 |
| Noninterest expense to average assets | 1.9854% | 5,508 |
| Loan and lease loss provision to assets | 0.2054% | 967 |
| Net operating income to assets | 1.2110% | 1,613 |
| Return on assets (ROA) | 1.2110% | 1,677 |
| Pretax return on assets | 1.7737% | 943 |
| Return on Equity (ROE) | 10.9292% | 1,735 |
| Retained earnings to average equity (ytd only) | 8.8381% | 961 |
| Net charge-offs to loans | 0.0478% | 2,939 |
| Credit loss provision to net charge-offs | 493.1507% | 660 |
| Earnings coverage of net charge-offs (x) | 47.5072% | 1,093 |
| Efficiency ratio | 50.0792% | 5,772 |
| Assets per employee ($millions) | 5.0642% | 2,220 |
| Cash dividends to net income (ytd only)* | 19.1329% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 2,840 |
| Loan loss allowance to noncurrent loans | 96.8654% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.2331% | 1,902 |
| Noncurrent loans to loans | 1.3951% | 1,828 |
| Net loans and leases to total assets | 87.1912% | 173 |
| Net loans and leases to deposits | 106.1855% | 359 |
| Net loans and leases to core deposits | 110.6166% | 842 |
| Total domestic deposits to total assets | 82.1121% | 4,126 |
| Equity capital to assets | 11.2329% | 2,767 |
| Core capital (leverage) ratio | 11.3054% | 2,190 |
| Tier 1 risk-based capital ratio | 13.5808% | 4,094 |
| Total risk-based capital ratio | 14.8763% | 3,995 |
| Memoranda: | ||
| Average total assets | $233,634,250 | 2,652 |
| Average earning assets | $220,227,250 | 2,605 |
| Average equity | $25,887,250 | 2,648 |
| Average total loans | $203,484,250 | 2,056 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 1,087 |
| Cost of funding earning assets | 0.6890% | 889 |
| Net interest margin | 4.0013% | 1,632 |
| Noninterest income to average assets | 0.1981% | 5,495 |
| Noninterest expense to average assets | 1.9494% | 5,632 |
| Loan and lease loss provision to assets | 0.2067% | 943 |
| Net operating income to assets | 1.2430% | 1,480 |
| Return on assets (ROA) | 1.2430% | 1,547 |
| Pretax return on assets | 1.8142% | 871 |
| Return on Equity (ROE) | 11.2715% | 1,598 |
| Retained earnings to average equity (ytd only) | 8.0924% | 1,226 |
| Net charge-offs to loans | 0.0278% | 3,109 |
| Credit loss provision to net charge-offs | 857.1429% | 406 |
| Earnings coverage of net charge-offs (x) | 83.7857% | 681 |
| Efficiency ratio | 49.0996% | 5,898 |
| Assets per employee ($millions) | 4.9476% | 2,340 |
| Cash dividends to net income (ytd only)* | 28.2051% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 3,061 |
| Loan loss allowance to noncurrent loans | 99.8917% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.1916% | 2,123 |
| Noncurrent loans to loans | 1.3344% | 2,013 |
| Net loans and leases to total assets | 88.1140% | 133 |
| Net loans and leases to deposits | 105.7779% | 381 |
| Net loans and leases to core deposits | 110.5377% | 806 |
| Total domestic deposits to total assets | 83.3010% | 3,831 |
| Equity capital to assets | 11.1979% | 2,673 |
| Core capital (leverage) ratio | 11.0753% | 2,352 |
| Tier 1 risk-based capital ratio | 13.3884% | 4,282 |
| Total risk-based capital ratio | 14.6820% | 4,189 |
| Memoranda: | ||
| Average total assets | $232,173,670 | 2,686 |
| Average earning assets | $218,881,000 | 2,630 |
| Average equity | $25,604,330 | 2,679 |
| Average total loans | $201,188,330 | 2,080 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 1,207 |
| Cost of funding earning assets | 0.6889% | 899 |
| Net interest margin | 3.9158% | 1,835 |
| Noninterest income to average assets | 0.2017% | 5,508 |
| Noninterest expense to average assets | 1.8587% | 5,814 |
| Loan and lease loss provision to assets | 0.2069% | 872 |
| Net operating income to assets | 1.2552% | 1,389 |
| Return on assets (ROA) | 1.2552% | 1,475 |
| Pretax return on assets | 1.8311% | 820 |
| Return on Equity (ROE) | 11.4704% | 1,493 |
| Retained earnings to average equity (ytd only) | 11.4704% | 650 |
| Net charge-offs to loans | 0.0222% | 2,704 |
| Credit loss provision to net charge-offs | 1,090.9091% | 316 |
| Earnings coverage of net charge-offs (x) | 107.4545% | 467 |
| Efficiency ratio | 47.6991% | 6,037 |
| Assets per employee ($millions) | 5.3088% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 3,219 |
| Loan loss allowance to noncurrent loans | 117.8161% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0754% | 2,466 |
| Noncurrent loans to loans | 1.1333% | 2,505 |
| Net loans and leases to total assets | 84.3091% | 288 |
| Net loans and leases to deposits | 101.0177% | 507 |
| Net loans and leases to core deposits | 105.8511% | 946 |
| Total domestic deposits to total assets | 83.4598% | 4,021 |
| Equity capital to assets | 11.0267% | 2,940 |
| Core capital (leverage) ratio | 10.9960% | 2,418 |
| Tier 1 risk-based capital ratio | 13.7140% | 4,208 |
| Total risk-based capital ratio | 15.0019% | 4,098 |
| Memoranda: | ||
| Average total assets | $231,993,000 | 2,704 |
| Average earning assets | $218,907,500 | 2,652 |
| Average equity | $25,387,000 | 2,712 |
| Average total loans | $197,950,500 | 2,098 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 1,438 |
| Cost of funding earning assets | 0.7018% | 1,099 |
| Net interest margin | 3.9424% | 2,081 |
| Noninterest income to average assets | 0.1750% | 5,810 |
| Noninterest expense to average assets | 1.8545% | 6,002 |
| Loan and lease loss provision to assets | 0.3158% | 637 |
| Net operating income to assets | 1.1712% | 1,669 |
| Return on assets (ROA) | 1.1765% | 1,725 |
| Pretax return on assets | 1.7147% | 954 |
| Return on Equity (ROE) | 10.7846% | 1,791 |
| Retained earnings to average equity (ytd only) | 7.4889% | 1,195 |
| Net charge-offs to loans | 0.1918% | 2,130 |
| Credit loss provision to net charge-offs | 190.7357% | 1,294 |
| Earnings coverage of net charge-offs (x) | 12.2180% | 2,403 |
| Efficiency ratio | 47.8301% | 6,189 |
| Assets per employee ($millions) | 5.4857% | 1,782 |
| Cash dividends to net income (ytd only)* | 30.5598% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 3,410 |
| Loan loss allowance to noncurrent loans | 108.6735% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.1511% | 2,462 |
| Noncurrent loans to loans | 1.1982% | 2,452 |
| Net loans and leases to total assets | 84.0910% | 338 |
| Net loans and leases to deposits | 100.5783% | 591 |
| Net loans and leases to core deposits | 105.4378% | 1,051 |
| Total domestic deposits to total assets | 83.6075% | 3,877 |
| Equity capital to assets | 10.8582% | 3,053 |
| Core capital (leverage) ratio | 10.9003% | 2,498 |
| Tier 1 risk-based capital ratio | 13.4937% | 4,418 |
| Total risk-based capital ratio | 14.7888% | 4,325 |
| Memoranda: | ||
| Average total assets | $221,672,800 | 2,764 |
| Average earning assets | $208,172,400 | 2,725 |
| Average equity | $24,182,600 | 2,738 |
| Average total loans | $191,306,600 | 2,108 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 1,438 |
| Cost of funding earning assets | 0.6996% | 1,155 |
| Net interest margin | 3.9481% | 2,044 |
| Noninterest income to average assets | 0.2169% | 5,632 |
| Noninterest expense to average assets | 1.8315% | 6,048 |
| Loan and lease loss provision to assets | 0.2734% | 760 |
| Net operating income to assets | 1.2477% | 1,532 |
| Return on assets (ROA) | 1.2544% | 1,570 |
| Pretax return on assets | 1.8308% | 832 |
| Return on Equity (ROE) | 11.4844% | 1,630 |
| Retained earnings to average equity (ytd only) | 9.3098% | 893 |
| Net charge-offs to loans | 0.0884% | 2,945 |
| Credit loss provision to net charge-offs | 357.1429% | 790 |
| Earnings coverage of net charge-offs (x) | 27.3644% | 1,451 |
| Efficiency ratio | 46.6502% | 6,259 |
| Assets per employee ($millions) | 5.2501% | 1,959 |
| Cash dividends to net income (ytd only)* | 18.9346% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 3,700 |
| Loan loss allowance to noncurrent loans | 111.2713% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 2,721 |
| Noncurrent loans to loans | 1.1587% | 2,743 |
| Net loans and leases to total assets | 86.3764% | 175 |
| Net loans and leases to deposits | 103.6286% | 425 |
| Net loans and leases to core deposits | 109.0452% | 792 |
| Total domestic deposits to total assets | 83.3519% | 4,014 |
| Equity capital to assets | 10.9946% | 2,962 |
| Core capital (leverage) ratio | 11.0861% | 2,407 |
| Tier 1 risk-based capital ratio | 13.3170% | 4,666 |
| Total risk-based capital ratio | 14.5947% | 4,580 |
| Memoranda: | ||
| Average total assets | $219,491,500 | 2,811 |
| Average earning assets | $206,204,500 | 2,762 |
| Average equity | $23,974,000 | 2,764 |
| Average total loans | $190,058,250 | 2,130 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6180% | 1,484 |
| Cost of funding earning assets | 0.6970% | 1,204 |
| Net interest margin | 3.9210% | 2,081 |
| Noninterest income to average assets | 0.2208% | 5,626 |
| Noninterest expense to average assets | 1.8105% | 6,130 |
| Loan and lease loss provision to assets | 0.2760% | 743 |
| Net operating income to assets | 1.2433% | 1,466 |
| Return on assets (ROA) | 1.2484% | 1,512 |
| Pretax return on assets | 1.8215% | 814 |
| Return on Equity (ROE) | 11.4555% | 1,584 |
| Retained earnings to average equity (ytd only) | 8.1548% | 1,270 |
| Net charge-offs to loans | 0.0288% | 3,616 |
| Credit loss provision to net charge-offs | 1,111.1111% | 305 |
| Earnings coverage of net charge-offs (x) | 84.1481% | 630 |
| Efficiency ratio | 46.4151% | 6,343 |
| Assets per employee ($millions) | 5.1168% | 2,071 |
| Cash dividends to net income (ytd only)* | 28.8136% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 3,837 |
| Loan loss allowance to noncurrent loans | 115.5021% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 1.0413% | 2,984 |
| Noncurrent loans to loans | 1.1287% | 2,965 |
| Net loans and leases to total assets | 85.8797% | 181 |
| Net loans and leases to deposits | 101.3843% | 488 |
| Net loans and leases to core deposits | 107.0257% | 830 |
| Total domestic deposits to total assets | 84.7071% | 3,636 |
| Equity capital to assets | 10.9648% | 2,914 |
| Core capital (leverage) ratio | 10.9302% | 2,495 |
| Tier 1 risk-based capital ratio | 13.3265% | 4,703 |
| Total risk-based capital ratio | 14.6050% | 4,626 |
| Memoranda: | ||
| Average total assets | $217,403,330 | 2,842 |
| Average earning assets | $204,029,000 | 2,793 |
| Average equity | $23,691,670 | 2,778 |
| Average total loans | $187,562,000 | 2,152 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 1,586 |
| Cost of funding earning assets | 0.6950% | 1,280 |
| Net interest margin | 3.8744% | 2,179 |
| Noninterest income to average assets | 0.2203% | 5,595 |
| Noninterest expense to average assets | 1.7603% | 6,269 |
| Loan and lease loss provision to assets | 0.2777% | 740 |
| Net operating income to assets | 1.2495% | 1,348 |
| Return on assets (ROA) | 1.2495% | 1,407 |
| Pretax return on assets | 1.8251% | 771 |
| Return on Equity (ROE) | 11.5016% | 1,545 |
| Retained earnings to average equity (ytd only) | 11.5016% | 674 |
| Net charge-offs to loans | 0.0431% | 2,780 |
| Credit loss provision to net charge-offs | 750.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 56.8000% | 685 |
| Efficiency ratio | 45.5678% | 6,442 |
| Assets per employee ($millions) | 5.3068% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 4,308 |
| Loan loss allowance to noncurrent loans | 133.3900% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 3,499 |
| Noncurrent loans to loans | 0.9485% | 3,517 |
| Net loans and leases to total assets | 84.3950% | 215 |
| Net loans and leases to deposits | 99.6938% | 447 |
| Net loans and leases to core deposits | 105.2938% | 782 |
| Total domestic deposits to total assets | 84.6542% | 4,020 |
| Equity capital to assets | 10.9464% | 2,769 |
| Core capital (leverage) ratio | 11.0534% | 2,339 |
| Tier 1 risk-based capital ratio | 13.5505% | 4,649 |
| Total risk-based capital ratio | 14.8350% | 4,571 |
| Memoranda: | ||
| Average total assets | $216,093,500 | 2,871 |
| Average earning assets | $203,178,000 | 2,820 |
| Average equity | $23,475,000 | 2,795 |
| Average total loans | $185,617,500 | 2,177 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7985% | 1,320 |
| Cost of funding earning assets | 0.7123% | 1,730 |
| Net interest margin | 4.0862% | 1,687 |
| Noninterest income to average assets | 0.2391% | 5,639 |
| Noninterest expense to average assets | 1.9532% | 6,103 |
| Loan and lease loss provision to assets | 0.3360% | 957 |
| Net operating income to assets | 1.2110% | 1,521 |
| Return on assets (ROA) | 1.2110% | 1,595 |
| Pretax return on assets | 1.7649% | 825 |
| Return on Equity (ROE) | 10.9217% | 1,791 |
| Retained earnings to average equity (ytd only) | 7.5084% | 1,231 |
| Net charge-offs to loans | 0.3689% | 1,834 |
| Credit loss provision to net charge-offs | 105.9190% | 2,279 |
| Earnings coverage of net charge-offs (x) | 6.6231% | 3,022 |
| Efficiency ratio | 48.1779% | 6,487 |
| Assets per employee ($millions) | 5.2344% | 1,918 |
| Cash dividends to net income (ytd only)* | 31.2525% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,661 |
| Loan loss allowance to noncurrent loans | 158.2206% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7409% | 4,029 |
| Noncurrent loans to loans | 0.7584% | 4,074 |
| Net loans and leases to total assets | 85.2872% | 190 |
| Net loans and leases to deposits | 101.8479% | 408 |
| Net loans and leases to core deposits | 107.8574% | 703 |
| Total domestic deposits to total assets | 83.7397% | 4,268 |
| Equity capital to assets | 10.7791% | 2,845 |
| Core capital (leverage) ratio | 11.0026% | 2,383 |
| Tier 1 risk-based capital ratio | 13.4591% | 4,677 |
| Total risk-based capital ratio | 14.7455% | 4,599 |
| Memoranda: | ||
| Average total assets | $202,390,600 | 3,009 |
| Average earning assets | $188,954,600 | 2,964 |
| Average equity | $22,441,600 | 2,882 |
| Average total loans | $174,013,200 | 2,257 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 1,285 |
| Cost of funding earning assets | 0.7153% | 1,852 |
| Net interest margin | 4.1160% | 1,585 |
| Noninterest income to average assets | 0.2381% | 5,731 |
| Noninterest expense to average assets | 1.9531% | 6,090 |
| Loan and lease loss provision to assets | 0.2207% | 1,649 |
| Net operating income to assets | 1.2969% | 1,362 |
| Return on assets (ROA) | 1.2969% | 1,425 |
| Pretax return on assets | 1.8976% | 715 |
| Return on Equity (ROE) | 11.6094% | 1,618 |
| Retained earnings to average equity (ytd only) | 9.3642% | 945 |
| Net charge-offs to loans | 0.2804% | 2,144 |
| Credit loss provision to net charge-offs | 91.6667% | 2,593 |
| Earnings coverage of net charge-offs (x) | 8.7972% | 2,575 |
| Efficiency ratio | 47.9711% | 6,507 |
| Assets per employee ($millions) | 4.8361% | 2,382 |
| Cash dividends to net income (ytd only)* | 19.3400% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 4,764 |
| Loan loss allowance to noncurrent loans | 88.3197% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.3121% | 3,025 |
| Noncurrent loans to loans | 1.3872% | 3,095 |
| Net loans and leases to total assets | 85.5364% | 168 |
| Net loans and leases to deposits | 99.9172% | 468 |
| Net loans and leases to core deposits | 105.8474% | 768 |
| Total domestic deposits to total assets | 85.6073% | 3,448 |
| Equity capital to assets | 11.3344% | 2,445 |
| Core capital (leverage) ratio | 11.3547% | 2,160 |
| Tier 1 risk-based capital ratio | 13.8489% | 4,533 |
| Total risk-based capital ratio | 15.1294% | 4,473 |
| Memoranda: | ||
| Average total assets | $199,336,000 | 3,063 |
| Average earning assets | $185,644,250 | 3,036 |
| Average equity | $22,268,750 | 2,931 |
| Average total loans | $171,202,250 | 2,296 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 1,199 |
| Cost of funding earning assets | 0.7136% | 1,973 |
| Net interest margin | 4.1421% | 1,429 |
| Noninterest income to average assets | 0.2332% | 5,777 |
| Noninterest expense to average assets | 1.9437% | 6,142 |
| Loan and lease loss provision to assets | 0.1817% | 2,095 |
| Net operating income to assets | 1.3298% | 1,244 |
| Return on assets (ROA) | 1.3298% | 1,325 |
| Pretax return on assets | 1.9528% | 664 |
| Return on Equity (ROE) | 11.9631% | 1,507 |
| Retained earnings to average equity (ytd only) | 8.5568% | 1,267 |
| Net charge-offs to loans | 0.1603% | 2,821 |
| Credit loss provision to net charge-offs | 132.3529% | 1,718 |
| Earnings coverage of net charge-offs (x) | 15.5441% | 1,728 |
| Efficiency ratio | 47.6603% | 6,556 |
| Assets per employee ($millions) | 4.8603% | 2,286 |
| Cash dividends to net income (ytd only)* | 28.4738% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 4,547 |
| Loan loss allowance to noncurrent loans | 93.7342% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.3062% | 3,161 |
| Noncurrent loans to loans | 1.3792% | 3,241 |
| Net loans and leases to total assets | 85.4045% | 167 |
| Net loans and leases to deposits | 99.8071% | 437 |
| Net loans and leases to core deposits | 105.3521% | 777 |
| Total domestic deposits to total assets | 85.5696% | 3,600 |
| Equity capital to assets | 11.2463% | 2,525 |
| Core capital (leverage) ratio | 11.2534% | 2,126 |
| Tier 1 risk-based capital ratio | 13.8117% | 4,554 |
| Total risk-based capital ratio | 15.0636% | 4,521 |
| Memoranda: | ||
| Average total assets | $198,075,670 | 3,090 |
| Average earning assets | $183,868,330 | 3,064 |
| Average equity | $22,017,670 | 2,985 |
| Average total loans | $169,638,330 | 2,312 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 1,368 |
| Cost of funding earning assets | 0.7186% | 2,071 |
| Net interest margin | 4.0450% | 1,629 |
| Noninterest income to average assets | 0.2289% | 5,828 |
| Noninterest expense to average assets | 1.9506% | 6,198 |
| Loan and lease loss provision to assets | 0.1823% | 2,030 |
| Net operating income to assets | 1.2538% | 1,394 |
| Return on assets (ROA) | 1.2538% | 1,493 |
| Pretax return on assets | 1.8473% | 810 |
| Return on Equity (ROE) | 11.3469% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.3469% | 809 |
| Net charge-offs to loans | 0.2568% | 1,930 |
| Credit loss provision to net charge-offs | 83.3333% | 2,115 |
| Earnings coverage of net charge-offs (x) | 9.2778% | 1,859 |
| Efficiency ratio | 49.0076% | 6,568 |
| Assets per employee ($millions) | 4.7895% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 4,746 |
| Loan loss allowance to noncurrent loans | 72.7670% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.6209% | 2,832 |
| Noncurrent loans to loans | 1.7761% | 2,898 |
| Net loans and leases to total assets | 84.2841% | 183 |
| Net loans and leases to deposits | 97.7896% | 457 |
| Net loans and leases to core deposits | 102.5821% | 798 |
| Total domestic deposits to total assets | 86.1892% | 3,424 |
| Equity capital to assets | 11.2732% | 2,656 |
| Core capital (leverage) ratio | 11.1965% | 2,099 |
| Tier 1 risk-based capital ratio | 14.0486% | 4,476 |
| Total risk-based capital ratio | 15.3003% | 4,430 |
| Memoranda: | ||
| Average total assets | $197,476,500 | 3,124 |
| Average earning assets | $183,141,500 | 3,103 |
| Average equity | $21,821,000 | 3,047 |
| Average total loans | $168,248,500 | 2,342 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 1,374 |
| Cost of funding earning assets | 0.9434% | 1,681 |
| Net interest margin | 4.1293% | 1,889 |
| Noninterest income to average assets | 0.2434% | 5,710 |
| Noninterest expense to average assets | 2.0146% | 6,298 |
| Loan and lease loss provision to assets | 0.2331% | 2,804 |
| Net operating income to assets | 1.1725% | 1,686 |
| Return on assets (ROA) | 1.1718% | 1,858 |
| Pretax return on assets | 1.7128% | 1,102 |
| Return on Equity (ROE) | 11.0050% | 1,805 |
| Retained earnings to average equity (ytd only) | 7.6944% | 1,239 |
| Net charge-offs to loans | 0.2710% | 3,310 |
| Credit loss provision to net charge-offs | 107.3113% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.9623% | 2,326 |
| Efficiency ratio | 50.8536% | 6,534 |
| Assets per employee ($millions) | 4.6183% | 2,750 |
| Cash dividends to net income (ytd only)* | 30.0831% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 4,656 |
| Loan loss allowance to noncurrent loans | 99.1829% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.2025% | 3,655 |
| Noncurrent loans to loans | 1.3049% | 3,653 |
| Net loans and leases to total assets | 83.9127% | 219 |
| Net loans and leases to deposits | 96.5732% | 589 |
| Net loans and leases to core deposits | 101.1110% | 954 |
| Total domestic deposits to total assets | 86.8902% | 2,895 |
| Equity capital to assets | 10.8291% | 3,141 |
| Core capital (leverage) ratio | 10.9160% | 2,325 |
| Tier 1 risk-based capital ratio | 13.4456% | 4,795 |
| Total risk-based capital ratio | 14.6973% | 4,748 |
| Memoranda: | ||
| Average total assets | $195,172,800 | 3,109 |
| Average earning assets | $175,743,600 | 3,151 |
| Average equity | $20,781,400 | 3,107 |
| Average total loans | $156,482,800 | 2,477 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1089% | 1,407 |
| Cost of funding earning assets | 0.9917% | 1,610 |
| Net interest margin | 4.1171% | 2,029 |
| Noninterest income to average assets | 0.2415% | 5,822 |
| Noninterest expense to average assets | 1.9720% | 6,400 |
| Loan and lease loss provision to assets | 0.1578% | 3,543 |
| Net operating income to assets | 1.2277% | 1,642 |
| Return on assets (ROA) | 1.2268% | 1,820 |
| Pretax return on assets | 1.7936% | 1,062 |
| Return on Equity (ROE) | 11.5722% | 1,767 |
| Retained earnings to average equity (ytd only) | 9.4494% | 1,080 |
| Net charge-offs to loans | 0.3685% | 2,625 |
| Credit loss provision to net charge-offs | 54.2453% | 4,301 |
| Earnings coverage of net charge-offs (x) | 6.7123% | 2,732 |
| Efficiency ratio | 50.2448% | 6,572 |
| Assets per employee ($millions) | 4.7873% | 2,468 |
| Cash dividends to net income (ytd only)* | 18.3444% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 5,106 |
| Loan loss allowance to noncurrent loans | 129.8873% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8631% | 4,566 |
| Noncurrent loans to loans | 0.9528% | 4,528 |
| Net loans and leases to total assets | 79.6946% | 531 |
| Net loans and leases to deposits | 90.6448% | 1,079 |
| Net loans and leases to core deposits | 95.0669% | 1,483 |
| Total domestic deposits to total assets | 87.9197% | 2,092 |
| Equity capital to assets | 10.8881% | 3,396 |
| Core capital (leverage) ratio | 10.7502% | 2,654 |
| Tier 1 risk-based capital ratio | 14.1445% | 4,421 |
| Total risk-based capital ratio | 15.3952% | 4,382 |
| Memoranda: | ||
| Average total assets | $194,319,750 | 3,155 |
| Average earning assets | $173,837,750 | 3,212 |
| Average equity | $20,600,500 | 3,156 |
| Average total loans | $153,397,750 | 2,552 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1261% | 1,432 |
| Cost of funding earning assets | 1.0210% | 1,645 |
| Net interest margin | 4.1050% | 2,073 |
| Noninterest income to average assets | 0.2427% | 5,839 |
| Noninterest expense to average assets | 1.9590% | 6,500 |
| Loan and lease loss provision to assets | 0.1910% | 3,187 |
| Net operating income to assets | 1.2021% | 1,706 |
| Return on assets (ROA) | 1.2021% | 1,904 |
| Pretax return on assets | 1.7587% | 1,116 |
| Return on Equity (ROE) | 11.4434% | 1,839 |
| Retained earnings to average equity (ytd only) | 8.2188% | 1,560 |
| Net charge-offs to loans | 0.5641% | 1,905 |
| Credit loss provision to net charge-offs | 43.2243% | 4,190 |
| Earnings coverage of net charge-offs (x) | 4.4112% | 3,097 |
| Efficiency ratio | 50.1189% | 6,641 |
| Assets per employee ($millions) | 4.7167% | 2,546 |
| Cash dividends to net income (ytd only)* | 28.1787% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,234 |
| Loan loss allowance to noncurrent loans | 149.2969% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.7834% | 4,831 |
| Noncurrent loans to loans | 0.8214% | 4,874 |
| Net loans and leases to total assets | 79.5971% | 552 |
| Net loans and leases to deposits | 90.4220% | 1,107 |
| Net loans and leases to core deposits | 95.3687% | 1,486 |
| Total domestic deposits to total assets | 88.0285% | 2,124 |
| Equity capital to assets | 10.7020% | 3,455 |
| Core capital (leverage) ratio | 10.4121% | 2,909 |
| Tier 1 risk-based capital ratio | 13.7644% | 4,619 |
| Total risk-based capital ratio | 15.0151% | 4,588 |
| Memoranda: | ||
| Average total assets | $193,667,000 | 3,169 |
| Average earning assets | $172,959,670 | 3,233 |
| Average equity | $20,343,670 | 3,184 |
| Average total loans | $151,736,000 | 2,589 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 1,480 |
| Cost of funding earning assets | 1.0266% | 1,836 |
| Net interest margin | 4.1087% | 2,061 |
| Noninterest income to average assets | 0.2353% | 5,947 |
| Noninterest expense to average assets | 1.9256% | 6,598 |
| Loan and lease loss provision to assets | 0.2167% | 2,769 |
| Net operating income to assets | 1.1971% | 1,745 |
| Return on assets (ROA) | 1.1971% | 1,927 |
| Pretax return on assets | 1.7522% | 1,191 |
| Return on Equity (ROE) | 11.5037% | 1,839 |
| Retained earnings to average equity (ytd only) | 11.5037% | 922 |
| Net charge-offs to loans | 0.6654% | 1,473 |
| Credit loss provision to net charge-offs | 42.1687% | 3,416 |
| Earnings coverage of net charge-offs (x) | 3.8313% | 2,734 |
| Efficiency ratio | 49.4436% | 6,711 |
| Assets per employee ($millions) | 4.8593% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,834 |
| Loan loss allowance to noncurrent loans | 68.2050% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.4968% | 3,620 |
| Noncurrent loans to loans | 1.9686% | 3,200 |
| Net loans and leases to total assets | 74.1319% | 1,038 |
| Net loans and leases to deposits | 84.2905% | 1,630 |
| Net loans and leases to core deposits | 88.7471% | 1,977 |
| Total domestic deposits to total assets | 87.9481% | 2,355 |
| Equity capital to assets | 10.2700% | 3,766 |
| Core capital (leverage) ratio | 10.4937% | 2,758 |
| Tier 1 risk-based capital ratio | 14.1168% | 4,385 |
| Total risk-based capital ratio | 15.3684% | 4,351 |
| Memoranda: | ||
| Average total assets | $193,808,500 | 3,183 |
| Average earning assets | $172,609,500 | 3,251 |
| Average equity | $20,167,500 | 3,205 |
| Average total loans | $149,684,500 | 2,636 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 3,260 |
| Cost of funding earning assets | 1.1078% | 2,617 |
| Net interest margin | 3.8138% | 3,752 |
| Noninterest income to average assets | 0.2460% | 5,777 |
| Noninterest expense to average assets | 1.8911% | 6,843 |
| Loan and lease loss provision to assets | 0.3191% | 3,132 |
| Net operating income to assets | 1.0410% | 2,038 |
| Return on assets (ROA) | 1.0480% | 2,153 |
| Pretax return on assets | 1.5127% | 1,432 |
| Return on Equity (ROE) | 10.7732% | 1,778 |
| Retained earnings to average equity (ytd only) | 6.9092% | 1,544 |
| Net charge-offs to loans | 0.4499% | 3,182 |
| Credit loss provision to net charge-offs | 98.8994% | 3,627 |
| Earnings coverage of net charge-offs (x) | 5.6462% | 2,719 |
| Efficiency ratio | 50.9359% | 6,781 |
| Assets per employee ($millions) | 4.5948% | 2,764 |
| Cash dividends to net income (ytd only)* | 35.8664% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 4,289 |
| Loan loss allowance to noncurrent loans | 76.9561% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5389% | 3,640 |
| Noncurrent loans to loans | 1.8702% | 3,386 |
| Net loans and leases to total assets | 78.3026% | 677 |
| Net loans and leases to deposits | 90.6233% | 1,085 |
| Net loans and leases to core deposits | 93.9555% | 1,704 |
| Total domestic deposits to total assets | 86.4046% | 3,073 |
| Equity capital to assets | 10.5496% | 3,476 |
| Core capital (leverage) ratio | 10.8380% | 2,402 |
| Tier 1 risk-based capital ratio | 13.9099% | 4,390 |
| Total risk-based capital ratio | 15.1631% | 4,348 |
| Memoranda: | ||
| Average total assets | $197,131,200 | 3,085 |
| Average earning assets | $179,190,400 | 3,101 |
| Average equity | $19,177,200 | 3,256 |
| Average total loans | $141,356,400 | 2,766 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 3,975 |
| Cost of funding earning assets | 1.1434% | 2,675 |
| Net interest margin | 3.6684% | 4,482 |
| Noninterest income to average assets | 0.2468% | 5,855 |
| Noninterest expense to average assets | 1.8697% | 6,891 |
| Loan and lease loss provision to assets | 0.3365% | 2,864 |
| Net operating income to assets | 0.9659% | 2,453 |
| Return on assets (ROA) | 0.9753% | 2,578 |
| Pretax return on assets | 1.4021% | 1,940 |
| Return on Equity (ROE) | 10.2297% | 2,122 |
| Retained earnings to average equity (ytd only) | 7.3320% | 1,797 |
| Net charge-offs to loans | 0.4710% | 2,851 |
| Credit loss provision to net charge-offs | 102.2358% | 3,265 |
| Earnings coverage of net charge-offs (x) | 5.2419% | 2,839 |
| Efficiency ratio | 52.0097% | 6,675 |
| Assets per employee ($millions) | 4.3143% | 3,249 |
| Cash dividends to net income (ytd only)* | 28.3263% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 4,100 |
| Loan loss allowance to noncurrent loans | 104.9275% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 4,402 |
| Noncurrent loans to loans | 1.4292% | 4,146 |
| Net loans and leases to total assets | 78.7337% | 635 |
| Net loans and leases to deposits | 89.5463% | 1,266 |
| Net loans and leases to core deposits | 91.9768% | 1,994 |
| Total domestic deposits to total assets | 87.9251% | 2,076 |
| Equity capital to assets | 10.7907% | 3,375 |
| Core capital (leverage) ratio | 10.6398% | 2,719 |
| Tier 1 risk-based capital ratio | 14.0709% | 4,302 |
| Total risk-based capital ratio | 15.3249% | 4,273 |
| Memoranda: | ||
| Average total assets | $199,317,250 | 3,082 |
| Average earning assets | $181,908,250 | 3,081 |
| Average equity | $19,003,000 | 3,288 |
| Average total loans | $139,279,000 | 2,825 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 4,939 |
| Cost of funding earning assets | 1.1275% | 3,054 |
| Net interest margin | 3.4779% | 5,257 |
| Noninterest income to average assets | 0.2376% | 5,954 |
| Noninterest expense to average assets | 1.7686% | 7,112 |
| Loan and lease loss provision to assets | 0.2454% | 3,451 |
| Net operating income to assets | 0.9855% | 2,283 |
| Return on assets (ROA) | 0.9983% | 2,342 |
| Pretax return on assets | 1.4385% | 1,699 |
| Return on Equity (ROE) | 10.8929% | 1,834 |
| Retained earnings to average equity (ytd only) | 6.5038% | 2,140 |
| Net charge-offs to loans | 0.5618% | 2,421 |
| Credit loss provision to net charge-offs | 65.2850% | 4,195 |
| Earnings coverage of net charge-offs (x) | 4.4301% | 2,859 |
| Efficiency ratio | 51.5031% | 6,828 |
| Assets per employee ($millions) | 4.4803% | 2,876 |
| Cash dividends to net income (ytd only)* | 40.2927% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 4,349 |
| Loan loss allowance to noncurrent loans | 98.9746% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 4,665 |
| Noncurrent loans to loans | 1.4645% | 4,224 |
| Net loans and leases to total assets | 75.0238% | 1,241 |
| Net loans and leases to deposits | 85.1375% | 1,925 |
| Net loans and leases to core deposits | 87.2620% | 2,733 |
| Total domestic deposits to total assets | 88.1208% | 2,063 |
| Equity capital to assets | 10.4028% | 3,634 |
| Core capital (leverage) ratio | 9.9876% | 3,278 |
| Tier 1 risk-based capital ratio | 14.3299% | 3,915 |
| Total risk-based capital ratio | 15.5835% | 3,891 |
| Memoranda: | ||
| Average total assets | $205,355,670 | 3,028 |
| Average earning assets | $188,732,000 | 3,015 |
| Average equity | $18,819,670 | 3,288 |
| Average total loans | $137,425,670 | 2,900 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3058% | 6,004 |
| Cost of funding earning assets | 1.0899% | 3,589 |
| Net interest margin | 3.2159% | 6,024 |
| Noninterest income to average assets | 0.2239% | 6,126 |
| Noninterest expense to average assets | 1.8280% | 7,104 |
| Loan and lease loss provision to assets | 0.2331% | 3,319 |
| Net operating income to assets | 0.8080% | 2,988 |
| Return on assets (ROA) | 0.8326% | 2,928 |
| Pretax return on assets | 1.1897% | 2,417 |
| Return on Equity (ROE) | 9.6386% | 2,236 |
| Retained earnings to average equity (ytd only) | 9.6386% | 1,202 |
| Net charge-offs to loans | -0.3436% | 7,359 |
| Credit loss provision to net charge-offs | -107.6923% | 5,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8470% | 6,401 |
| Assets per employee ($millions) | 5.2631% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 3,118 |
| Loan loss allowance to noncurrent loans | 95.9298% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.1613% | 4,618 |
| Noncurrent loans to loans | 1.8392% | 3,779 |
| Net loans and leases to total assets | 62.0303% | 3,854 |
| Net loans and leases to deposits | 68.8252% | 4,549 |
| Net loans and leases to core deposits | 69.7669% | 5,070 |
| Total domestic deposits to total assets | 90.1273% | 1,079 |
| Equity capital to assets | 8.7665% | 5,550 |
| Core capital (leverage) ratio | 9.0424% | 4,549 |
| Tier 1 risk-based capital ratio | 14.6629% | 3,634 |
| Total risk-based capital ratio | 15.9208% | 3,591 |
| Memoranda: | ||
| Average total assets | $216,188,000 | 2,920 |
| Average earning assets | $201,125,000 | 2,873 |
| Average equity | $18,675,000 | 3,295 |
| Average total loans | $136,219,000 | 2,962 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 3,771 |
| Cost of funding earning assets | 1.4323% | 3,060 |
| Net interest margin | 3.7339% | 4,213 |
| Noninterest income to average assets | 0.3104% | 5,583 |
| Noninterest expense to average assets | 2.0931% | 6,863 |
| Loan and lease loss provision to assets | 0.3355% | 4,137 |
| Net operating income to assets | 0.9612% | 2,160 |
| Return on assets (ROA) | 0.9612% | 2,283 |
| Pretax return on assets | 1.3735% | 1,727 |
| Return on Equity (ROE) | 10.0665% | 1,902 |
| Retained earnings to average equity (ytd only) | 6.5751% | 1,521 |
| Net charge-offs to loans | 0.2400% | 4,848 |
| Credit loss provision to net charge-offs | 187.7612% | 1,730 |
| Earnings coverage of net charge-offs (x) | 9.5642% | 1,805 |
| Efficiency ratio | 55.0505% | 6,708 |
| Assets per employee ($millions) | 5.0369% | 2,104 |
| Cash dividends to net income (ytd only)* | 34.6837% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,630 |
| Loan loss allowance to noncurrent loans | 94.7807% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 4,732 |
| Noncurrent loans to loans | 1.6743% | 3,988 |
| Net loans and leases to total assets | 61.8774% | 4,314 |
| Net loans and leases to deposits | 68.6583% | 5,015 |
| Net loans and leases to core deposits | 70.4155% | 5,415 |
| Total domestic deposits to total assets | 90.1236% | 1,024 |
| Equity capital to assets | 8.5106% | 5,843 |
| Core capital (leverage) ratio | 9.6242% | 3,518 |
| Tier 1 risk-based capital ratio | 14.0217% | 3,858 |
| Total risk-based capital ratio | 15.2770% | 3,819 |
| Memoranda: | ||
| Average total assets | $187,474,800 | 3,265 |
| Average earning assets | $175,312,000 | 3,183 |
| Average equity | $17,901,000 | 3,443 |
| Average total loans | $139,570,800 | 2,957 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 2,825 |
| Cost of funding earning assets | 1.5525% | 2,654 |
| Net interest margin | 3.8594% | 3,713 |
| Noninterest income to average assets | 0.3048% | 5,714 |
| Noninterest expense to average assets | 2.2353% | 6,510 |
| Loan and lease loss provision to assets | 0.3167% | 4,047 |
| Net operating income to assets | 0.9464% | 2,427 |
| Return on assets (ROA) | 0.9464% | 2,557 |
| Pretax return on assets | 1.3452% | 2,048 |
| Return on Equity (ROE) | 9.5975% | 2,291 |
| Retained earnings to average equity (ytd only) | 7.2488% | 1,727 |
| Net charge-offs to loans | 0.4681% | 3,411 |
| Credit loss provision to net charge-offs | 86.8154% | 4,891 |
| Earnings coverage of net charge-offs (x) | 4.5558% | 3,001 |
| Efficiency ratio | 57.3571% | 6,369 |
| Assets per employee ($millions) | 4.4161% | 3,050 |
| Cash dividends to net income (ytd only)* | 24.4721% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 4,860 |
| Loan loss allowance to noncurrent loans | 129.7122% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 3,867 |
| Noncurrent loans to loans | 1.0164% | 5,203 |
| Net loans and leases to total assets | 72.7637% | 2,063 |
| Net loans and leases to deposits | 81.9255% | 3,123 |
| Net loans and leases to core deposits | 84.9601% | 3,809 |
| Total domestic deposits to total assets | 88.8169% | 1,498 |
| Equity capital to assets | 9.8411% | 4,360 |
| Core capital (leverage) ratio | 9.7410% | 3,569 |
| Tier 1 risk-based capital ratio | 13.5501% | 4,160 |
| Total risk-based capital ratio | 14.8009% | 4,110 |
| Memoranda: | ||
| Average total assets | $180,196,500 | 3,418 |
| Average earning assets | $167,724,250 | 3,366 |
| Average equity | $17,768,000 | 3,512 |
| Average total loans | $140,418,500 | 2,972 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4279% | 2,856 |
| Cost of funding earning assets | 1.6065% | 2,617 |
| Net interest margin | 3.8214% | 3,803 |
| Noninterest income to average assets | 0.2791% | 5,920 |
| Noninterest expense to average assets | 2.2451% | 6,528 |
| Loan and lease loss provision to assets | 0.2825% | 4,142 |
| Net operating income to assets | 0.9325% | 2,430 |
| Return on assets (ROA) | 0.9325% | 2,518 |
| Pretax return on assets | 1.3215% | 2,023 |
| Return on Equity (ROE) | 9.4511% | 2,295 |
| Retained earnings to average equity (ytd only) | 5.8956% | 2,396 |
| Net charge-offs to loans | 0.6834% | 2,508 |
| Credit loss provision to net charge-offs | 52.0661% | 5,372 |
| Earnings coverage of net charge-offs (x) | 2.9566% | 3,519 |
| Efficiency ratio | 58.3285% | 6,331 |
| Assets per employee ($millions) | 4.3816% | 3,077 |
| Cash dividends to net income (ytd only)* | 37.6202% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 5,472 |
| Loan loss allowance to noncurrent loans | 87.6676% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 2.0627% | 3,431 |
| Noncurrent loans to loans | 1.3654% | 4,659 |
| Net loans and leases to total assets | 73.3343% | 2,078 |
| Net loans and leases to deposits | 82.6358% | 3,153 |
| Net loans and leases to core deposits | 85.9345% | 3,845 |
| Total domestic deposits to total assets | 88.7440% | 1,575 |
| Equity capital to assets | 9.6741% | 4,434 |
| Core capital (leverage) ratio | 9.7036% | 3,533 |
| Tier 1 risk-based capital ratio | 13.3086% | 4,202 |
| Total risk-based capital ratio | 14.5344% | 4,181 |
| Memoranda: | ||
| Average total assets | $178,436,330 | 3,462 |
| Average earning assets | $166,694,670 | 3,396 |
| Average equity | $17,606,330 | 3,531 |
| Average total loans | $141,637,000 | 2,986 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 2,502 |
| Cost of funding earning assets | 1.6676% | 2,554 |
| Net interest margin | 3.8508% | 3,563 |
| Noninterest income to average assets | 0.2642% | 6,038 |
| Noninterest expense to average assets | 2.5233% | 5,641 |
| Loan and lease loss provision to assets | 0.2869% | 3,731 |
| Net operating income to assets | 0.7698% | 3,109 |
| Return on assets (ROA) | 0.7698% | 3,225 |
| Pretax return on assets | 1.0772% | 2,812 |
| Return on Equity (ROE) | 7.7222% | 3,013 |
| Retained earnings to average equity (ytd only) | 7.7222% | 1,828 |
| Net charge-offs to loans | -0.0361% | 7,249 |
| Credit loss provision to net charge-offs | -969.2308% | 6,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9092% | 5,322 |
| Assets per employee ($millions) | 4.3486% | 3,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 4,344 |
| Loan loss allowance to noncurrent loans | 25.1315% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 4.4769% | 1,510 |
| Noncurrent loans to loans | 5.6316% | 1,218 |
| Net loans and leases to total assets | 78.3700% | 1,081 |
| Net loans and leases to deposits | 89.0374% | 2,056 |
| Net loans and leases to core deposits | 93.1986% | 2,951 |
| Total domestic deposits to total assets | 88.0192% | 2,046 |
| Equity capital to assets | 9.9196% | 3,959 |
| Core capital (leverage) ratio | 10.0395% | 3,117 |
| Tier 1 risk-based capital ratio | 13.3088% | 4,118 |
| Total risk-based capital ratio | 14.5624% | 4,067 |
| Memoranda: | ||
| Average total assets | $175,641,000 | 3,566 |
| Average earning assets | $165,262,500 | 3,476 |
| Average equity | $17,508,000 | 3,566 |
| Average total loans | $144,160,500 | 2,996 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8216% | 2,571 |
| Cost of funding earning assets | 2.0877% | 2,524 |
| Net interest margin | 3.7339% | 3,982 |
| Noninterest income to average assets | 0.2383% | 6,385 |
| Noninterest expense to average assets | 2.0746% | 7,239 |
| Loan and lease loss provision to assets | 0.3855% | 4,481 |
| Net operating income to assets | 0.9247% | 2,095 |
| Return on assets (ROA) | 0.9018% | 2,238 |
| Pretax return on assets | 1.2931% | 1,713 |
| Return on Equity (ROE) | 9.1155% | 1,985 |
| Retained earnings to average equity (ytd only) | 5.4256% | 1,613 |
| Net charge-offs to loans | 0.0696% | 6,422 |
| Credit loss provision to net charge-offs | 673.4694% | 433 |
| Earnings coverage of net charge-offs (x) | 29.8980% | 768 |
| Efficiency ratio | 54.7979% | 7,154 |
| Assets per employee ($millions) | 4.1188% | 3,575 |
| Cash dividends to net income (ytd only)* | 40.4793% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 4,917 |
| Loan loss allowance to noncurrent loans | 24.3162% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 4.4385% | 1,457 |
| Noncurrent loans to loans | 5.2379% | 1,259 |
| Net loans and leases to total assets | 83.6584% | 471 |
| Net loans and leases to deposits | 95.3322% | 1,411 |
| Net loans and leases to core deposits | 112.5938% | 2,637 |
| Total domestic deposits to total assets | 87.7546% | 2,093 |
| Equity capital to assets | 10.0180% | 3,729 |
| Core capital (leverage) ratio | 9.8555% | 3,265 |
| Tier 1 risk-based capital ratio | 12.7473% | 4,327 |
| Total risk-based capital ratio | 13.9989% | 4,269 |
| Memoranda: | ||
| Average total assets | $171,211,800 | 3,592 |
| Average earning assets | $162,670,800 | 3,469 |
| Average equity | $16,938,200 | 3,682 |
| Average total loans | $140,706,400 | 3,067 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8861% | 2,507 |
| Cost of funding earning assets | 2.1550% | 2,624 |
| Net interest margin | 3.7311% | 3,942 |
| Noninterest income to average assets | 0.2319% | 6,565 |
| Noninterest expense to average assets | 2.1198% | 7,154 |
| Loan and lease loss provision to assets | 0.2904% | 4,652 |
| Net operating income to assets | 0.9561% | 2,214 |
| Return on assets (ROA) | 0.9572% | 2,267 |
| Pretax return on assets | 1.3757% | 1,757 |
| Return on Equity (ROE) | 9.7067% | 2,030 |
| Retained earnings to average equity (ytd only) | 7.2285% | 1,423 |
| Net charge-offs to loans | 0.0316% | 6,450 |
| Credit loss provision to net charge-offs | 1,127.2727% | 336 |
| Earnings coverage of net charge-offs (x) | 64.6045% | 509 |
| Efficiency ratio | 56.0140% | 6,999 |
| Assets per employee ($millions) | 4.2436% | 3,298 |
| Cash dividends to net income (ytd only)* | 25.5299% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,453 |
| Loan loss allowance to noncurrent loans | 75.7255% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 1.2478% | 4,569 |
| Noncurrent loans to loans | 1.5096% | 4,393 |
| Net loans and leases to total assets | 81.7121% | 859 |
| Net loans and leases to deposits | 92.8203% | 2,092 |
| Net loans and leases to core deposits | 111.1033% | 3,114 |
| Total domestic deposits to total assets | 88.0326% | 1,637 |
| Equity capital to assets | 9.9334% | 4,167 |
| Core capital (leverage) ratio | 9.8881% | 3,415 |
| Tier 1 risk-based capital ratio | 13.0010% | 4,194 |
| Total risk-based capital ratio | 14.2446% | 4,128 |
| Memoranda: | ||
| Average total assets | $170,767,750 | 3,616 |
| Average earning assets | $162,593,750 | 3,501 |
| Average equity | $16,840,250 | 3,737 |
| Average total loans | $139,236,500 | 3,132 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9172% | 2,506 |
| Cost of funding earning assets | 2.2010% | 2,790 |
| Net interest margin | 3.7162% | 3,885 |
| Noninterest income to average assets | 0.2239% | 6,689 |
| Noninterest expense to average assets | 2.1097% | 7,255 |
| Loan and lease loss provision to assets | 0.1591% | 5,477 |
| Net operating income to assets | 1.0379% | 1,980 |
| Return on assets (ROA) | 1.0395% | 2,053 |
| Pretax return on assets | 1.4956% | 1,453 |
| Return on Equity (ROE) | 10.5675% | 1,832 |
| Retained earnings to average equity (ytd only) | 6.8174% | 1,660 |
| Net charge-offs to loans | 0.0320% | 6,011 |
| Credit loss provision to net charge-offs | 613.6364% | 753 |
| Earnings coverage of net charge-offs (x) | 63.7273% | 567 |
| Efficiency ratio | 56.0777% | 7,114 |
| Assets per employee ($millions) | 4.2627% | 3,181 |
| Cash dividends to net income (ytd only)* | 35.4875% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 6,265 |
| Loan loss allowance to noncurrent loans | 56.9249% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 4,095 |
| Noncurrent loans to loans | 1.7539% | 3,879 |
| Net loans and leases to total assets | 80.4543% | 1,233 |
| Net loans and leases to deposits | 92.1906% | 2,433 |
| Net loans and leases to core deposits | 110.4131% | 3,337 |
| Total domestic deposits to total assets | 87.2696% | 2,114 |
| Equity capital to assets | 9.6607% | 4,412 |
| Core capital (leverage) ratio | 9.8345% | 3,472 |
| Tier 1 risk-based capital ratio | 12.5540% | 4,479 |
| Total risk-based capital ratio | 13.6109% | 4,553 |
| Memoranda: | ||
| Average total assets | $169,694,000 | 3,648 |
| Average earning assets | $161,561,670 | 3,533 |
| Average equity | $16,692,670 | 3,777 |
| Average total loans | $137,710,670 | 3,186 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9238% | 2,677 |
| Cost of funding earning assets | 2.2614% | 2,879 |
| Net interest margin | 3.6624% | 4,050 |
| Noninterest income to average assets | 0.1867% | 6,955 |
| Noninterest expense to average assets | 2.0149% | 7,318 |
| Loan and lease loss provision to assets | 0.0909% | 5,791 |
| Net operating income to assets | 1.0888% | 2,002 |
| Return on assets (ROA) | 1.0888% | 2,130 |
| Pretax return on assets | 1.5650% | 1,490 |
| Return on Equity (ROE) | 10.9658% | 1,970 |
| Retained earnings to average equity (ytd only) | 10.9658% | 977 |
| Net charge-offs to loans | 0.0590% | 4,645 |
| Credit loss provision to net charge-offs | 190.0000% | 2,313 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 954 |
| Efficiency ratio | 54.8892% | 7,116 |
| Assets per employee ($millions) | 3.9440% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 6,416 |
| Loan loss allowance to noncurrent loans | 264.6000% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 6,090 |
| Noncurrent loans to loans | 0.3638% | 6,520 |
| Net loans and leases to total assets | 82.1720% | 989 |
| Net loans and leases to deposits | 94.8254% | 2,130 |
| Net loans and leases to core deposits | 111.8371% | 3,239 |
| Total domestic deposits to total assets | 86.6562% | 2,380 |
| Equity capital to assets | 10.1497% | 3,826 |
| Core capital (leverage) ratio | 10.1458% | 3,244 |
| Tier 1 risk-based capital ratio | 12.9622% | 4,207 |
| Total risk-based capital ratio | 13.9849% | 4,282 |
| Memoranda: | ||
| Average total assets | $167,156,000 | 3,706 |
| Average earning assets | $159,019,500 | 3,594 |
| Average equity | $16,597,000 | 3,811 |
| Average total loans | $135,552,000 | 3,257 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3548% | 3,669 |
| Cost of funding earning assets | 2.7240% | 3,043 |
| Net interest margin | 3.6308% | 4,749 |
| Noninterest income to average assets | 0.2683% | 6,540 |
| Noninterest expense to average assets | 1.8231% | 7,724 |
| Loan and lease loss provision to assets | 0.2043% | 4,844 |
| Net operating income to assets | 1.1872% | 1,815 |
| Return on assets (ROA) | 1.1872% | 1,740 |
| Pretax return on assets | 1.7274% | 1,088 |
| Return on Equity (ROE) | 12.2982% | 1,517 |
| Retained earnings to average equity (ytd only) | 8.3441% | 747 |
| Net charge-offs to loans | 0.1257% | 4,983 |
| Credit loss provision to net charge-offs | 208.0745% | 2,329 |
| Earnings coverage of net charge-offs (x) | 19.6770% | 1,613 |
| Efficiency ratio | 48.5547% | 7,760 |
| Assets per employee ($millions) | 3.9224% | 3,673 |
| Cash dividends to net income (ytd only)* | 32.1520% | 4,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 6,232 |
| Loan loss allowance to noncurrent loans | 173.0769% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 5,394 |
| Noncurrent loans to loans | 0.5641% | 5,678 |
| Net loans and leases to total assets | 78.4753% | 2,006 |
| Net loans and leases to deposits | 90.0419% | 3,447 |
| Net loans and leases to core deposits | 106.4159% | 4,148 |
| Total domestic deposits to total assets | 87.1542% | 1,862 |
| Equity capital to assets | 9.7123% | 4,408 |
| Core capital (leverage) ratio | 9.6753% | 3,800 |
| Tier 1 risk-based capital ratio | 12.8979% | 4,163 |
| Total risk-based capital ratio | 13.9296% | 4,222 |
| Memoranda: | ||
| Average total assets | $164,005,400 | 3,646 |
| Average earning assets | $157,488,000 | 3,517 |
| Average equity | $15,831,600 | 3,967 |
| Average total loans | $128,083,400 | 3,304 |