Home > Exchange Bank and Trust Company > Performance and Condition Ratios
Exchange Bank and Trust Company, 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 | 5.3392% | 1,414 |
| Cost of funding earning assets | 1.7774% | 1,286 |
| Net interest margin | 3.5618% | 2,040 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.8653% | 1,351 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.0743% | 1,994 |
| Return on assets (ROA) | 1.0666% | 1,988 |
| Pretax return on assets | 1.0666% | 2,501 |
| Return on Equity (ROE) | 15.2200% | 1,248 |
| Retained earnings to average equity (ytd only) | 2.9287% | 3,301 |
| Net charge-offs to loans | 0.0970% | 927 |
| Credit loss provision to net charge-offs | 164.0625% | 1,385 |
| Earnings coverage of net charge-offs (x) | 17.4844% | 1,973 |
| Efficiency ratio | 70.7336% | 1,790 |
| Assets per employee ($millions) | 5.1373% | 3,528 |
| Cash dividends to net income (ytd only)* | 80.7549% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 1,837 |
| Loan loss allowance to noncurrent loans | 152.9643% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 926 |
| Noncurrent loans to loans | 0.8410% | 913 |
| Net loans and leases to total assets | 69.8800% | 1,826 |
| Net loans and leases to deposits | 78.1092% | 2,250 |
| Net loans and leases to core deposits | 90.6905% | 2,003 |
| Total domestic deposits to total assets | 89.4700% | 914 |
| Equity capital to assets | 7.5251% | 3,706 |
| Core capital (leverage) ratio | 10.5431% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9687% | 1,543 |
| Memoranda: | ||
| Average total assets | $377,554,400 | 2,087 |
| Average earning assets | $353,612,200 | 2,076 |
| Average equity | $26,462,600 | 2,436 |
| Average total loans | $264,008,200 | 1,941 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2286% | 1,399 |
| Cost of funding earning assets | 1.6241% | 1,327 |
| Net interest margin | 3.6045% | 1,999 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.8564% | 1,307 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.1288% | 1,972 |
| Return on assets (ROA) | 1.1185% | 1,977 |
| Pretax return on assets | 1.1185% | 2,510 |
| Return on Equity (ROE) | 16.2700% | 1,208 |
| Retained earnings to average equity (ytd only) | 2.7255% | 3,578 |
| Net charge-offs to loans | 0.0805% | 919 |
| Credit loss provision to net charge-offs | 199.3671% | 1,134 |
| Earnings coverage of net charge-offs (x) | 22.1203% | 1,764 |
| Efficiency ratio | 69.7193% | 1,817 |
| Assets per employee ($millions) | 5.1997% | 3,432 |
| Cash dividends to net income (ytd only)* | 83.2434% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 1,821 |
| Loan loss allowance to noncurrent loans | 174.0189% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5377% | 1,087 |
| Noncurrent loans to loans | 0.7534% | 1,104 |
| Net loans and leases to total assets | 70.4300% | 1,776 |
| Net loans and leases to deposits | 76.9903% | 2,334 |
| Net loans and leases to core deposits | 90.8193% | 1,869 |
| Total domestic deposits to total assets | 91.4800% | 561 |
| Equity capital to assets | 6.4331% | 3,852 |
| Core capital (leverage) ratio | 10.5167% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1624% | 1,520 |
| Memoranda: | ||
| Average total assets | $375,618,250 | 2,104 |
| Average earning assets | $351,772,000 | 2,089 |
| Average equity | $25,829,750 | 2,462 |
| Average total loans | $261,820,250 | 1,954 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 1,457 |
| Cost of funding earning assets | 1.4105% | 1,419 |
| Net interest margin | 3.6424% | 1,933 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.8226% | 1,370 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1823% | 1,876 |
| Return on assets (ROA) | 1.1669% | 1,916 |
| Pretax return on assets | 1.1669% | 2,455 |
| Return on Equity (ROE) | 16.6100% | 1,165 |
| Retained earnings to average equity (ytd only) | 4.1724% | 3,169 |
| Net charge-offs to loans | 0.1077% | 648 |
| Credit loss provision to net charge-offs | 150.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 17.3786% | 1,805 |
| Efficiency ratio | 68.5659% | 1,914 |
| Assets per employee ($millions) | 5.1084% | 3,497 |
| Cash dividends to net income (ytd only)* | 74.8861% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 1,995 |
| Loan loss allowance to noncurrent loans | 230.0337% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 1,359 |
| Noncurrent loans to loans | 0.5585% | 1,342 |
| Net loans and leases to total assets | 69.4400% | 1,803 |
| Net loans and leases to deposits | 78.1683% | 2,116 |
| Net loans and leases to core deposits | 87.5686% | 1,960 |
| Total domestic deposits to total assets | 88.8300% | 1,308 |
| Equity capital to assets | 7.0107% | 3,794 |
| Core capital (leverage) ratio | 10.5374% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1408% | 1,530 |
| Memoranda: | ||
| Average total assets | $376,031,667 | 2,101 |
| Average earning assets | $352,072,333 | 2,085 |
| Average equity | $26,411,667 | 2,439 |
| Average total loans | $260,035,667 | 1,957 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 1,462 |
| Cost of funding earning assets | 1.1455% | 1,613 |
| Net interest margin | 3.7270% | 1,835 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.7357% | 1,581 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.3332% | 1,584 |
| Return on assets (ROA) | 1.3023% | 1,631 |
| Pretax return on assets | 1.3023% | 2,166 |
| Return on Equity (ROE) | 18.5200% | 960 |
| Retained earnings to average equity (ytd only) | 6.0683% | 2,743 |
| Net charge-offs to loans | -0.0187% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.4337% | 2,278 |
| Assets per employee ($millions) | 5.0767% | 3,594 |
| Cash dividends to net income (ytd only)* | 67.2400% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 1,862 |
| Loan loss allowance to noncurrent loans | 330.7545% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2890% | 1,714 |
| Noncurrent loans to loans | 0.4049% | 1,718 |
| Net loans and leases to total assets | 68.8400% | 1,744 |
| Net loans and leases to deposits | 75.1204% | 2,190 |
| Net loans and leases to core deposits | 82.8743% | 2,070 |
| Total domestic deposits to total assets | 91.6400% | 614 |
| Equity capital to assets | 7.2032% | 3,728 |
| Core capital (leverage) ratio | 10.5274% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3578% | 1,532 |
| Memoranda: | ||
| Average total assets | $375,037,500 | 2,132 |
| Average earning assets | $351,277,000 | 2,114 |
| Average equity | $26,366,500 | 2,469 |
| Average total loans | $257,098,500 | 1,993 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 836 |
| Cost of funding earning assets | 0.5010% | 1,385 |
| Net interest margin | 3.9254% | 906 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.7949% | 1,324 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.6368% | 630 |
| Return on assets (ROA) | 1.5587% | 726 |
| Pretax return on assets | 1.5587% | 1,272 |
| Return on Equity (ROE) | 20.5400% | 426 |
| Retained earnings to average equity (ytd only) | 8.8231% | 1,532 |
| Net charge-offs to loans | 0.1713% | 485 |
| Credit loss provision to net charge-offs | 101.4493% | 1,546 |
| Earnings coverage of net charge-offs (x) | 16.0362% | 1,989 |
| Efficiency ratio | 61.5309% | 2,832 |
| Assets per employee ($millions) | 5.1983% | 3,516 |
| Cash dividends to net income (ytd only)* | 57.0415% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 1,854 |
| Loan loss allowance to noncurrent loans | 230.4408% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 1,313 |
| Noncurrent loans to loans | 0.5680% | 1,312 |
| Net loans and leases to total assets | 66.4800% | 1,982 |
| Net loans and leases to deposits | 71.6104% | 2,442 |
| Net loans and leases to core deposits | 77.9162% | 2,283 |
| Total domestic deposits to total assets | 92.8300% | 441 |
| Equity capital to assets | 6.8616% | 3,737 |
| Core capital (leverage) ratio | 10.4498% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2580% | 1,546 |
| Memoranda: | ||
| Average total assets | $379,944,000 | 2,103 |
| Average earning assets | $355,477,800 | 2,089 |
| Average equity | $28,833,400 | 2,386 |
| Average total loans | $241,673,400 | 1,990 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3064% | 724 |
| Cost of funding earning assets | 0.3833% | 1,413 |
| Net interest margin | 3.9231% | 762 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.7854% | 1,273 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.6776% | 559 |
| Return on assets (ROA) | 1.6281% | 604 |
| Pretax return on assets | 1.6281% | 1,054 |
| Return on Equity (ROE) | 20.9500% | 365 |
| Retained earnings to average equity (ytd only) | 9.6525% | 1,443 |
| Net charge-offs to loans | 0.1226% | 513 |
| Credit loss provision to net charge-offs | 143.8356% | 1,142 |
| Earnings coverage of net charge-offs (x) | 23.2740% | 1,657 |
| Efficiency ratio | 60.9036% | 2,994 |
| Assets per employee ($millions) | 5.0218% | 3,651 |
| Cash dividends to net income (ytd only)* | 53.9323% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,677 |
| Loan loss allowance to noncurrent loans | 257.5712% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 1,508 |
| Noncurrent loans to loans | 0.5353% | 1,468 |
| Net loans and leases to total assets | 66.1400% | 1,875 |
| Net loans and leases to deposits | 70.7062% | 2,309 |
| Net loans and leases to core deposits | 77.9540% | 2,043 |
| Total domestic deposits to total assets | 93.5400% | 450 |
| Equity capital to assets | 6.1026% | 3,922 |
| Core capital (leverage) ratio | 10.1952% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2391% | 1,637 |
| Memoranda: | ||
| Average total assets | $380,061,000 | 2,117 |
| Average earning assets | $355,492,750 | 2,101 |
| Average equity | $29,532,250 | 2,392 |
| Average total loans | $238,188,500 | 2,007 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 667 |
| Cost of funding earning assets | 0.3325% | 1,419 |
| Net interest margin | 3.8434% | 682 |
| Noninterest income to average assets | 0.8901% | 865 |
| Noninterest expense to average assets | 2.7628% | 1,243 |
| Loan and lease loss provision to assets | 0.1097% | 907 |
| Net operating income to assets | 1.6099% | 537 |
| Return on assets (ROA) | 1.6099% | 520 |
| Pretax return on assets | 1.6099% | 914 |
| Return on Equity (ROE) | 19.3733% | 356 |
| Retained earnings to average equity (ytd only) | 9.4478% | 1,154 |
| Net charge-offs to loans | 0.2166% | 297 |
| Credit loss provision to net charge-offs | 82.6772% | 1,375 |
| Earnings coverage of net charge-offs (x) | 12.9606% | 1,697 |
| Efficiency ratio | 61.6362% | 3,086 |
| Assets per employee ($millions) | 5.1778% | 3,529 |
| Cash dividends to net income (ytd only)* | 51.2330% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,977 |
| Loan loss allowance to noncurrent loans | 260.2210% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 1,692 |
| Noncurrent loans to loans | 0.5171% | 1,590 |
| Net loans and leases to total assets | 62.2407% | 2,098 |
| Net loans and leases to deposits | 66.5592% | 2,502 |
| Net loans and leases to core deposits | 74.4855% | 2,132 |
| Total domestic deposits to total assets | 93.5118% | 387 |
| Equity capital to assets | 6.1841% | 4,141 |
| Core capital (leverage) ratio | 10.1823% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0557% | 1,688 |
| Memoranda: | ||
| Average total assets | $382,877,667 | 2,116 |
| Average earning assets | $357,855,667 | 2,112 |
| Average equity | $31,817,000 | 2,319 |
| Average total loans | $234,517,000 | 2,025 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0225% | 738 |
| Cost of funding earning assets | 0.3198% | 1,466 |
| Net interest margin | 3.7027% | 746 |
| Noninterest income to average assets | 0.7902% | 1,069 |
| Noninterest expense to average assets | 2.8031% | 1,148 |
| Loan and lease loss provision to assets | 0.1105% | 756 |
| Net operating income to assets | 1.3363% | 925 |
| Return on assets (ROA) | 1.3363% | 916 |
| Pretax return on assets | 1.3363% | 1,420 |
| Return on Equity (ROE) | 14.2225% | 789 |
| Retained earnings to average equity (ytd only) | 5.3978% | 2,444 |
| Net charge-offs to loans | 0.3786% | 176 |
| Credit loss provision to net charge-offs | 48.3871% | 1,203 |
| Earnings coverage of net charge-offs (x) | 6.3364% | 1,573 |
| Efficiency ratio | 65.9569% | 2,776 |
| Assets per employee ($millions) | 5.2022% | 3,582 |
| Cash dividends to net income (ytd only)* | 62.0472% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 2,072 |
| Loan loss allowance to noncurrent loans | 272.8656% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 1,891 |
| Noncurrent loans to loans | 0.4984% | 1,778 |
| Net loans and leases to total assets | 60.8215% | 1,977 |
| Net loans and leases to deposits | 66.6155% | 2,283 |
| Net loans and leases to core deposits | 75.0809% | 1,843 |
| Total domestic deposits to total assets | 91.3023% | 885 |
| Equity capital to assets | 8.4366% | 3,214 |
| Core capital (leverage) ratio | 9.6655% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1542% | 1,745 |
| Memoranda: | ||
| Average total assets | $380,150,000 | 2,130 |
| Average earning assets | $355,203,500 | 2,130 |
| Average equity | $35,718,000 | 2,225 |
| Average total loans | $229,276,500 | 2,049 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 910 |
| Cost of funding earning assets | 0.4124% | 1,455 |
| Net interest margin | 3.8442% | 931 |
| Noninterest income to average assets | 1.0759% | 891 |
| Noninterest expense to average assets | 2.9040% | 1,144 |
| Loan and lease loss provision to assets | 0.1580% | 753 |
| Net operating income to assets | 1.5955% | 824 |
| Return on assets (ROA) | 1.5558% | 928 |
| Pretax return on assets | 1.5558% | 1,554 |
| Return on Equity (ROE) | 14.5838% | 1,051 |
| Retained earnings to average equity (ytd only) | 5.5846% | 2,525 |
| Net charge-offs to loans | 0.0248% | 1,748 |
| Credit loss provision to net charge-offs | 1,096.1538% | 498 |
| Earnings coverage of net charge-offs (x) | 121.6346% | 777 |
| Efficiency ratio | 62.3512% | 2,812 |
| Assets per employee ($millions) | 5.0045% | 3,724 |
| Cash dividends to net income (ytd only)* | 61.7071% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,510 |
| Loan loss allowance to noncurrent loans | 274.8971% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 1,945 |
| Noncurrent loans to loans | 0.5493% | 1,748 |
| Net loans and leases to total assets | 58.0398% | 2,369 |
| Net loans and leases to deposits | 64.9506% | 2,598 |
| Net loans and leases to core deposits | 73.4713% | 2,119 |
| Total domestic deposits to total assets | 89.3599% | 1,318 |
| Equity capital to assets | 10.3796% | 2,295 |
| Core capital (leverage) ratio | 9.7435% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9068% | 1,544 |
| Memoranda: | ||
| Average total assets | $360,708,000 | 2,149 |
| Average earning assets | $336,067,800 | 2,156 |
| Average equity | $38,481,000 | 2,140 |
| Average total loans | $209,338,800 | 2,178 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 922 |
| Cost of funding earning assets | 0.4307% | 1,481 |
| Net interest margin | 3.8916% | 953 |
| Noninterest income to average assets | 1.0796% | 948 |
| Noninterest expense to average assets | 2.9108% | 1,110 |
| Loan and lease loss provision to assets | 0.1736% | 616 |
| Net operating income to assets | 1.6191% | 987 |
| Return on assets (ROA) | 1.5807% | 1,127 |
| Pretax return on assets | 1.5807% | 1,764 |
| Return on Equity (ROE) | 14.7122% | 1,196 |
| Retained earnings to average equity (ytd only) | 5.7486% | 2,934 |
| Net charge-offs to loans | -0.0368% | 4,224 |
| Credit loss provision to net charge-offs | -815.7895% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8847% | 2,717 |
| Assets per employee ($millions) | 4.9762% | 3,725 |
| Cash dividends to net income (ytd only)* | 60.9261% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,378 |
| Loan loss allowance to noncurrent loans | 358.7983% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 2,510 |
| Noncurrent loans to loans | 0.4415% | 2,237 |
| Net loans and leases to total assets | 56.4171% | 2,683 |
| Net loans and leases to deposits | 63.4155% | 2,915 |
| Net loans and leases to core deposits | 72.5719% | 2,371 |
| Total domestic deposits to total assets | 88.9641% | 1,296 |
| Equity capital to assets | 10.6845% | 2,276 |
| Core capital (leverage) ratio | 9.8109% | 2,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5060% | 1,483 |
| Memoranda: | ||
| Average total assets | $357,051,500 | 2,182 |
| Average earning assets | $332,499,000 | 2,197 |
| Average equity | $38,361,750 | 2,169 |
| Average total loans | $206,377,750 | 2,229 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 931 |
| Cost of funding earning assets | 0.4547% | 1,491 |
| Net interest margin | 3.8900% | 989 |
| Noninterest income to average assets | 1.0908% | 939 |
| Noninterest expense to average assets | 2.9548% | 1,061 |
| Loan and lease loss provision to assets | 0.2038% | 544 |
| Net operating income to assets | 1.5544% | 1,159 |
| Return on assets (ROA) | 1.5187% | 1,310 |
| Pretax return on assets | 1.5187% | 1,961 |
| Return on Equity (ROE) | 14.1083% | 1,381 |
| Retained earnings to average equity (ytd only) | 4.6905% | 3,300 |
| Net charge-offs to loans | -0.0391% | 4,263 |
| Credit loss provision to net charge-offs | -900.0000% | 3,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6952% | 2,629 |
| Assets per employee ($millions) | 4.9190% | 3,727 |
| Cash dividends to net income (ytd only)* | 66.7536% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5446% | 1,439 |
| Loan loss allowance to noncurrent loans | 305.6926% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 2,455 |
| Noncurrent loans to loans | 0.5053% | 2,158 |
| Net loans and leases to total assets | 57.1915% | 2,766 |
| Net loans and leases to deposits | 64.3693% | 2,960 |
| Net loans and leases to core deposits | 73.2835% | 2,484 |
| Total domestic deposits to total assets | 88.8490% | 1,360 |
| Equity capital to assets | 10.7491% | 2,190 |
| Core capital (leverage) ratio | 9.6920% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5890% | 1,446 |
| Memoranda: | ||
| Average total assets | $353,323,333 | 2,188 |
| Average earning assets | $328,998,667 | 2,196 |
| Average equity | $38,034,333 | 2,176 |
| Average total loans | $204,806,333 | 2,245 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 1,178 |
| Cost of funding earning assets | 0.4798% | 1,519 |
| Net interest margin | 3.7330% | 1,264 |
| Noninterest income to average assets | 1.0341% | 1,077 |
| Noninterest expense to average assets | 2.9083% | 1,138 |
| Loan and lease loss provision to assets | 0.2397% | 451 |
| Net operating income to assets | 1.3674% | 1,641 |
| Return on assets (ROA) | 1.3960% | 1,658 |
| Pretax return on assets | 1.3960% | 2,290 |
| Return on Equity (ROE) | 12.9583% | 1,683 |
| Retained earnings to average equity (ytd only) | 2.3416% | 3,942 |
| Net charge-offs to loans | -0.0631% | 4,483 |
| Credit loss provision to net charge-offs | -656.2500% | 3,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4085% | 2,419 |
| Assets per employee ($millions) | 5.0820% | 3,544 |
| Cash dividends to net income (ytd only)* | 81.9297% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,581 |
| Loan loss allowance to noncurrent loans | 264.6805% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 2,514 |
| Noncurrent loans to loans | 0.5695% | 2,151 |
| Net loans and leases to total assets | 56.2949% | 2,997 |
| Net loans and leases to deposits | 63.1097% | 3,209 |
| Net loans and leases to core deposits | 71.7656% | 2,720 |
| Total domestic deposits to total assets | 89.2017% | 1,239 |
| Equity capital to assets | 10.3688% | 2,380 |
| Core capital (leverage) ratio | 9.6870% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9405% | 1,306 |
| Memoranda: | ||
| Average total assets | $350,440,000 | 2,187 |
| Average earning assets | $326,818,000 | 2,190 |
| Average equity | $37,752,000 | 2,171 |
| Average total loans | $202,914,000 | 2,263 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7695% | 772 |
| Cost of funding earning assets | 0.7327% | 1,552 |
| Net interest margin | 4.0368% | 902 |
| Noninterest income to average assets | 1.3312% | 655 |
| Noninterest expense to average assets | 3.2092% | 1,042 |
| Loan and lease loss provision to assets | 0.3983% | 795 |
| Net operating income to assets | 1.4565% | 908 |
| Return on assets (ROA) | 1.6494% | 618 |
| Pretax return on assets | 1.6494% | 955 |
| Return on Equity (ROE) | 14.8307% | 662 |
| Retained earnings to average equity (ytd only) | 7.9110% | 1,079 |
| Net charge-offs to loans | 0.2950% | 589 |
| Credit loss provision to net charge-offs | 218.6207% | 2,076 |
| Earnings coverage of net charge-offs (x) | 10.1810% | 2,481 |
| Efficiency ratio | 63.3730% | 2,916 |
| Assets per employee ($millions) | 4.9306% | 3,466 |
| Cash dividends to net income (ytd only)* | 46.6578% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,996 |
| Loan loss allowance to noncurrent loans | 179.5165% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 2,208 |
| Noncurrent loans to loans | 0.7763% | 1,777 |
| Net loans and leases to total assets | 57.8541% | 3,100 |
| Net loans and leases to deposits | 65.3586% | 3,329 |
| Net loans and leases to core deposits | 74.1093% | 2,905 |
| Total domestic deposits to total assets | 88.5180% | 1,216 |
| Equity capital to assets | 11.1891% | 2,109 |
| Core capital (leverage) ratio | 10.1654% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7423% | 1,328 |
| Memoranda: | ||
| Average total assets | $318,365,800 | 2,200 |
| Average earning assets | $294,388,400 | 2,213 |
| Average equity | $35,406,200 | 2,217 |
| Average total loans | $196,594,800 | 2,268 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 782 |
| Cost of funding earning assets | 0.7970% | 1,512 |
| Net interest margin | 4.0737% | 941 |
| Noninterest income to average assets | 1.2701% | 675 |
| Noninterest expense to average assets | 3.2448% | 991 |
| Loan and lease loss provision to assets | 0.4527% | 711 |
| Net operating income to assets | 1.3313% | 1,283 |
| Return on assets (ROA) | 1.5636% | 866 |
| Pretax return on assets | 1.5636% | 1,291 |
| Return on Equity (ROE) | 14.0831% | 868 |
| Retained earnings to average equity (ytd only) | 7.4904% | 1,498 |
| Net charge-offs to loans | 0.3075% | 512 |
| Credit loss provision to net charge-offs | 235.1111% | 1,984 |
| Earnings coverage of net charge-offs (x) | 9.2667% | 2,439 |
| Efficiency ratio | 64.5257% | 2,653 |
| Assets per employee ($millions) | 4.6659% | 3,637 |
| Cash dividends to net income (ytd only)* | 46.8126% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 1,830 |
| Loan loss allowance to noncurrent loans | 178.1676% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4712% | 2,312 |
| Noncurrent loans to loans | 0.7741% | 1,881 |
| Net loans and leases to total assets | 60.0283% | 3,226 |
| Net loans and leases to deposits | 68.4678% | 3,437 |
| Net loans and leases to core deposits | 78.9698% | 2,926 |
| Total domestic deposits to total assets | 87.6737% | 1,359 |
| Equity capital to assets | 11.3814% | 2,096 |
| Core capital (leverage) ratio | 10.1426% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3240% | 1,181 |
| Memoranda: | ||
| Average total assets | $311,672,500 | 2,210 |
| Average earning assets | $287,557,750 | 2,228 |
| Average equity | $34,603,250 | 2,244 |
| Average total loans | $195,118,750 | 2,277 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9394% | 909 |
| Cost of funding earning assets | 0.8759% | 1,479 |
| Net interest margin | 4.0635% | 1,189 |
| Noninterest income to average assets | 1.1712% | 729 |
| Noninterest expense to average assets | 3.2619% | 1,059 |
| Loan and lease loss provision to assets | 0.4597% | 832 |
| Net operating income to assets | 1.1888% | 1,672 |
| Return on assets (ROA) | 1.4803% | 1,039 |
| Pretax return on assets | 1.4803% | 1,499 |
| Return on Equity (ROE) | 13.4532% | 987 |
| Retained earnings to average equity (ytd only) | 6.6021% | 1,824 |
| Net charge-offs to loans | 0.0031% | 2,888 |
| Credit loss provision to net charge-offs | 23,500.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 842.6667% | 114 |
| Efficiency ratio | 66.4276% | 2,455 |
| Assets per employee ($millions) | 4.6984% | 3,531 |
| Cash dividends to net income (ytd only)* | 50.9251% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 1,526 |
| Loan loss allowance to noncurrent loans | 78.0837% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1368% | 986 |
| Noncurrent loans to loans | 1.8152% | 774 |
| Net loans and leases to total assets | 61.7411% | 3,147 |
| Net loans and leases to deposits | 69.9807% | 3,422 |
| Net loans and leases to core deposits | 81.2525% | 2,845 |
| Total domestic deposits to total assets | 88.2259% | 1,074 |
| Equity capital to assets | 11.2652% | 2,140 |
| Core capital (leverage) ratio | 10.2876% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2122% | 1,203 |
| Memoranda: | ||
| Average total assets | $306,693,000 | 2,210 |
| Average earning assets | $282,220,333 | 2,231 |
| Average equity | $33,746,667 | 2,272 |
| Average total loans | $193,891,333 | 2,264 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 791 |
| Cost of funding earning assets | 0.9654% | 1,581 |
| Net interest margin | 4.1356% | 1,063 |
| Noninterest income to average assets | 1.0763% | 731 |
| Noninterest expense to average assets | 3.2342% | 1,355 |
| Loan and lease loss provision to assets | 0.4702% | 628 |
| Net operating income to assets | 1.1722% | 1,611 |
| Return on assets (ROA) | 1.6117% | 675 |
| Pretax return on assets | 1.6117% | 1,023 |
| Return on Equity (ROE) | 14.8355% | 571 |
| Retained earnings to average equity (ytd only) | 8.0430% | 1,223 |
| Net charge-offs to loans | -0.0126% | 4,158 |
| Credit loss provision to net charge-offs | -5,883.3333% | 3,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3207% | 2,907 |
| Assets per employee ($millions) | 4.0954% | 3,791 |
| Cash dividends to net income (ytd only)* | 45.7851% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 2,122 |
| Loan loss allowance to noncurrent loans | 59.6840% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.3972% | 803 |
| Noncurrent loans to loans | 2.1870% | 615 |
| Net loans and leases to total assets | 63.0515% | 3,182 |
| Net loans and leases to deposits | 71.5867% | 3,473 |
| Net loans and leases to core deposits | 83.6699% | 2,878 |
| Total domestic deposits to total assets | 88.0771% | 1,079 |
| Equity capital to assets | 10.5836% | 3,246 |
| Core capital (leverage) ratio | 10.5313% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6861% | 1,423 |
| Memoranda: | ||
| Average total assets | $300,295,000 | 2,209 |
| Average earning assets | $275,948,500 | 2,221 |
| Average equity | $32,624,500 | 2,321 |
| Average total loans | $190,791,000 | 2,259 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2137% | 966 |
| Cost of funding earning assets | 0.9808% | 1,810 |
| Net interest margin | 4.2329% | 1,251 |
| Noninterest income to average assets | 0.9861% | 1,002 |
| Noninterest expense to average assets | 3.2488% | 1,410 |
| Loan and lease loss provision to assets | 1.0807% | 85 |
| Net operating income to assets | 0.5560% | 4,277 |
| Return on assets (ROA) | 0.6012% | 4,215 |
| Pretax return on assets | 0.6012% | 4,411 |
| Return on Equity (ROE) | 5.3872% | 4,111 |
| Retained earnings to average equity (ytd only) | -2.5778% | 4,897 |
| Net charge-offs to loans | 1.7690% | 73 |
| Credit loss provision to net charge-offs | 95.0643% | 2,590 |
| Earnings coverage of net charge-offs (x) | 1.4397% | 3,541 |
| Efficiency ratio | 66.4996% | 2,692 |
| Assets per employee ($millions) | 4.1319% | 3,718 |
| Cash dividends to net income (ytd only)* | 147.8507% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 2,837 |
| Loan loss allowance to noncurrent loans | 38.5895% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.8334% | 464 |
| Noncurrent loans to loans | 2.9015% | 334 |
| Net loans and leases to total assets | 62.4793% | 3,358 |
| Net loans and leases to deposits | 70.5724% | 3,619 |
| Net loans and leases to core deposits | 84.3248% | 2,921 |
| Total domestic deposits to total assets | 88.5322% | 870 |
| Equity capital to assets | 11.1422% | 2,869 |
| Core capital (leverage) ratio | 10.5643% | 2,887 |
| Tier 1 risk-based capital ratio | 15.2258% | 2,686 |
| Total risk-based capital ratio | 16.2603% | 2,710 |
| Memoranda: | ||
| Average total assets | $294,079,000 | 2,194 |
| Average earning assets | $270,903,200 | 2,201 |
| Average equity | $32,818,400 | 2,249 |
| Average total loans | $188,973,600 | 2,244 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2584% | 937 |
| Cost of funding earning assets | 0.9789% | 1,851 |
| Net interest margin | 4.2796% | 1,206 |
| Noninterest income to average assets | 0.9989% | 938 |
| Noninterest expense to average assets | 3.2590% | 1,357 |
| Loan and lease loss provision to assets | 1.4027% | 60 |
| Net operating income to assets | 0.2793% | 4,867 |
| Return on assets (ROA) | 0.3400% | 4,820 |
| Pretax return on assets | 0.3400% | 4,864 |
| Return on Equity (ROE) | 3.0450% | 4,756 |
| Retained earnings to average equity (ytd only) | -5.9592% | 5,084 |
| Net charge-offs to loans | 0.0728% | 1,785 |
| Credit loss provision to net charge-offs | 2,984.4660% | 138 |
| Earnings coverage of net charge-offs (x) | 35.7864% | 1,459 |
| Efficiency ratio | 65.9586% | 2,731 |
| Assets per employee ($millions) | 4.0275% | 3,864 |
| Cash dividends to net income (ytd only)* | 295.7043% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7831% | 159 |
| Loan loss allowance to noncurrent loans | 80.6703% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 2.2224% | 355 |
| Noncurrent loans to loans | 3.4499% | 239 |
| Net loans and leases to total assets | 62.6253% | 3,429 |
| Net loans and leases to deposits | 70.8278% | 3,701 |
| Net loans and leases to core deposits | 85.8663% | 2,915 |
| Total domestic deposits to total assets | 88.4191% | 862 |
| Equity capital to assets | 11.1881% | 2,944 |
| Core capital (leverage) ratio | 10.2593% | 3,356 |
| Tier 1 risk-based capital ratio | 15.2756% | 2,725 |
| Total risk-based capital ratio | 17.8900% | 2,141 |
| Memoranda: | ||
| Average total assets | $292,191,750 | 2,224 |
| Average earning assets | $269,148,250 | 2,230 |
| Average equity | $32,621,000 | 2,275 |
| Average total loans | $188,569,750 | 2,271 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2297% | 927 |
| Cost of funding earning assets | 0.9381% | 1,973 |
| Net interest margin | 4.2915% | 1,163 |
| Noninterest income to average assets | 0.9623% | 942 |
| Noninterest expense to average assets | 3.2368% | 1,434 |
| Loan and lease loss provision to assets | 0.1440% | 1,288 |
| Net operating income to assets | 1.5351% | 1,048 |
| Return on assets (ROA) | 1.5234% | 1,131 |
| Pretax return on assets | 1.5234% | 1,779 |
| Return on Equity (ROE) | 13.6551% | 1,064 |
| Retained earnings to average equity (ytd only) | 4.1377% | 3,175 |
| Net charge-offs to loans | 0.0892% | 1,475 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 29.1429% | 1,499 |
| Efficiency ratio | 65.8434% | 2,827 |
| Assets per employee ($millions) | 4.0868% | 3,758 |
| Cash dividends to net income (ytd only)* | 69.6983% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,201 |
| Loan loss allowance to noncurrent loans | 46.2081% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.7353% | 599 |
| Noncurrent loans to loans | 2.7238% | 397 |
| Net loans and leases to total assets | 62.9065% | 3,463 |
| Net loans and leases to deposits | 71.3522% | 3,733 |
| Net loans and leases to core deposits | 86.0308% | 2,960 |
| Total domestic deposits to total assets | 88.1633% | 1,022 |
| Equity capital to assets | 11.3856% | 2,715 |
| Core capital (leverage) ratio | 11.1250% | 2,485 |
| Tier 1 risk-based capital ratio | 15.7866% | 2,509 |
| Total risk-based capital ratio | 16.9492% | 2,482 |
| Memoranda: | ||
| Average total assets | $291,586,000 | 2,226 |
| Average earning assets | $268,621,670 | 2,240 |
| Average equity | $32,530,000 | 2,271 |
| Average total loans | $188,294,670 | 2,272 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2301% | 857 |
| Cost of funding earning assets | 0.9096% | 1,957 |
| Net interest margin | 4.3205% | 1,060 |
| Noninterest income to average assets | 0.9142% | 1,014 |
| Noninterest expense to average assets | 3.2596% | 1,366 |
| Loan and lease loss provision to assets | 0.1468% | 1,152 |
| Net operating income to assets | 1.4914% | 1,132 |
| Return on assets (ROA) | 1.4705% | 1,203 |
| Pretax return on assets | 1.4705% | 1,865 |
| Return on Equity (ROE) | 13.3255% | 1,130 |
| Retained earnings to average equity (ytd only) | 1.4060% | 4,220 |
| Net charge-offs to loans | 0.1784% | 771 |
| Credit loss provision to net charge-offs | 126.5060% | 1,373 |
| Earnings coverage of net charge-offs (x) | 14.1205% | 1,808 |
| Efficiency ratio | 66.5525% | 2,863 |
| Assets per employee ($millions) | 3.9762% | 3,961 |
| Cash dividends to net income (ytd only)* | 89.4487% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,359 |
| Loan loss allowance to noncurrent loans | 235.8740% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,229 |
| Noncurrent loans to loans | 0.5273% | 2,738 |
| Net loans and leases to total assets | 63.4932% | 3,347 |
| Net loans and leases to deposits | 71.7887% | 3,616 |
| Net loans and leases to core deposits | 83.9718% | 3,028 |
| Total domestic deposits to total assets | 88.4447% | 1,109 |
| Equity capital to assets | 11.0913% | 2,757 |
| Core capital (leverage) ratio | 11.3055% | 2,281 |
| Tier 1 risk-based capital ratio | 15.9798% | 2,450 |
| Total risk-based capital ratio | 17.1258% | 2,428 |
| Memoranda: | ||
| Average total assets | $286,166,500 | 2,274 |
| Average earning assets | $263,857,000 | 2,292 |
| Average equity | $31,578,500 | 2,325 |
| Average total loans | $186,107,000 | 2,307 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 1,040 |
| Cost of funding earning assets | 0.6350% | 2,493 |
| Net interest margin | 4.3681% | 1,005 |
| Noninterest income to average assets | 0.9346% | 1,095 |
| Noninterest expense to average assets | 3.2057% | 1,535 |
| Loan and lease loss provision to assets | 0.1519% | 1,396 |
| Net operating income to assets | 1.6352% | 801 |
| Return on assets (ROA) | 1.6446% | 783 |
| Pretax return on assets | 1.6446% | 1,326 |
| Return on Equity (ROE) | 15.1200% | 801 |
| Retained earnings to average equity (ytd only) | 5.8558% | 2,265 |
| Net charge-offs to loans | 0.1763% | 1,094 |
| Credit loss provision to net charge-offs | 132.0755% | 2,006 |
| Earnings coverage of net charge-offs (x) | 15.5377% | 2,318 |
| Efficiency ratio | 64.2060% | 3,159 |
| Assets per employee ($millions) | 3.8117% | 4,166 |
| Cash dividends to net income (ytd only)* | 61.2712% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,357 |
| Loan loss allowance to noncurrent loans | 169.0441% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 2,622 |
| Noncurrent loans to loans | 0.7328% | 2,157 |
| Net loans and leases to total assets | 64.9827% | 3,258 |
| Net loans and leases to deposits | 73.4609% | 3,548 |
| Net loans and leases to core deposits | 86.0096% | 2,915 |
| Total domestic deposits to total assets | 88.4589% | 1,090 |
| Equity capital to assets | 10.9771% | 2,713 |
| Core capital (leverage) ratio | 11.7447% | 1,920 |
| Tier 1 risk-based capital ratio | 15.9181% | 2,437 |
| Total risk-based capital ratio | 17.0526% | 2,415 |
| Memoranda: | ||
| Average total assets | $276,472,800 | 2,287 |
| Average earning assets | $256,863,800 | 2,289 |
| Average equity | $30,072,800 | 2,330 |
| Average total loans | $180,397,600 | 2,330 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 1,028 |
| Cost of funding earning assets | 0.5925% | 2,529 |
| Net interest margin | 4.3644% | 980 |
| Noninterest income to average assets | 0.9316% | 1,105 |
| Noninterest expense to average assets | 3.1826% | 1,562 |
| Loan and lease loss provision to assets | 0.1527% | 1,291 |
| Net operating income to assets | 1.6558% | 827 |
| Return on assets (ROA) | 1.6684% | 810 |
| Pretax return on assets | 1.6684% | 1,355 |
| Return on Equity (ROE) | 15.3741% | 812 |
| Retained earnings to average equity (ytd only) | 6.2622% | 2,514 |
| Net charge-offs to loans | 0.1571% | 1,055 |
| Credit loss provision to net charge-offs | 149.2891% | 1,718 |
| Earnings coverage of net charge-offs (x) | 17.6822% | 2,101 |
| Efficiency ratio | 63.7661% | 3,223 |
| Assets per employee ($millions) | 4.0712% | 3,780 |
| Cash dividends to net income (ytd only)* | 59.2678% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,225 |
| Loan loss allowance to noncurrent loans | 135.8323% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.6269% | 2,302 |
| Noncurrent loans to loans | 0.9385% | 1,811 |
| Net loans and leases to total assets | 65.3267% | 3,272 |
| Net loans and leases to deposits | 74.7727% | 3,522 |
| Net loans and leases to core deposits | 85.5866% | 3,039 |
| Total domestic deposits to total assets | 87.3671% | 1,567 |
| Equity capital to assets | 10.8864% | 2,767 |
| Core capital (leverage) ratio | 11.7291% | 1,988 |
| Tier 1 risk-based capital ratio | 16.1877% | 2,381 |
| Total risk-based capital ratio | 17.3554% | 2,348 |
| Memoranda: | ||
| Average total assets | $275,073,750 | 2,309 |
| Average earning assets | $255,853,500 | 2,305 |
| Average equity | $29,850,250 | 2,348 |
| Average total loans | $179,098,250 | 2,354 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 1,081 |
| Cost of funding earning assets | 0.5273% | 2,783 |
| Net interest margin | 4.3453% | 949 |
| Noninterest income to average assets | 0.8309% | 1,383 |
| Noninterest expense to average assets | 3.1496% | 1,663 |
| Loan and lease loss provision to assets | 0.1523% | 1,242 |
| Net operating income to assets | 1.5741% | 980 |
| Return on assets (ROA) | 1.5973% | 928 |
| Pretax return on assets | 1.5973% | 1,508 |
| Return on Equity (ROE) | 14.7348% | 908 |
| Retained earnings to average equity (ytd only) | 5.7789% | 2,684 |
| Net charge-offs to loans | 0.1579% | 980 |
| Credit loss provision to net charge-offs | 148.9362% | 1,586 |
| Earnings coverage of net charge-offs (x) | 16.8865% | 1,981 |
| Efficiency ratio | 64.5948% | 3,232 |
| Assets per employee ($millions) | 4.2797% | 3,453 |
| Cash dividends to net income (ytd only)* | 60.7808% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 2,368 |
| Loan loss allowance to noncurrent loans | 104.9583% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 1,850 |
| Noncurrent loans to loans | 1.2015% | 1,447 |
| Net loans and leases to total assets | 64.7486% | 3,314 |
| Net loans and leases to deposits | 73.4286% | 3,587 |
| Net loans and leases to core deposits | 87.1647% | 2,802 |
| Total domestic deposits to total assets | 88.1789% | 1,286 |
| Equity capital to assets | 10.9153% | 2,718 |
| Core capital (leverage) ratio | 11.2904% | 2,263 |
| Tier 1 risk-based capital ratio | 15.8768% | 2,478 |
| Total risk-based capital ratio | 17.0237% | 2,470 |
| Memoranda: | ||
| Average total assets | $275,841,000 | 2,312 |
| Average earning assets | $256,784,000 | 2,306 |
| Average equity | $29,902,000 | 2,356 |
| Average total loans | $178,633,000 | 2,362 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7617% | 1,161 |
| Cost of funding earning assets | 0.5175% | 2,660 |
| Net interest margin | 4.2442% | 1,067 |
| Noninterest income to average assets | 0.6445% | 2,057 |
| Noninterest expense to average assets | 3.0432% | 1,960 |
| Loan and lease loss provision to assets | 0.1517% | 1,193 |
| Net operating income to assets | 1.4075% | 1,322 |
| Return on assets (ROA) | 1.4075% | 1,331 |
| Pretax return on assets | 1.4075% | 1,982 |
| Return on Equity (ROE) | 13.0281% | 1,254 |
| Retained earnings to average equity (ytd only) | 3.7720% | 3,684 |
| Net charge-offs to loans | 0.0314% | 1,869 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 77.0714% | 722 |
| Efficiency ratio | 66.1224% | 3,140 |
| Assets per employee ($millions) | 4.6576% | 2,916 |
| Cash dividends to net income (ytd only)* | 71.0472% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,303 |
| Loan loss allowance to noncurrent loans | 118.3652% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 2,037 |
| Noncurrent loans to loans | 1.0876% | 1,684 |
| Net loans and leases to total assets | 62.7779% | 3,448 |
| Net loans and leases to deposits | 70.3960% | 3,750 |
| Net loans and leases to core deposits | 80.9238% | 3,248 |
| Total domestic deposits to total assets | 89.1783% | 1,015 |
| Equity capital to assets | 10.5061% | 3,072 |
| Core capital (leverage) ratio | 11.1102% | 2,325 |
| Tier 1 risk-based capital ratio | 15.7901% | 2,557 |
| Total risk-based capital ratio | 16.9640% | 2,533 |
| Memoranda: | ||
| Average total assets | $276,811,000 | 2,328 |
| Average earning assets | $258,141,000 | 2,306 |
| Average equity | $29,904,500 | 2,376 |
| Average total loans | $178,143,500 | 2,380 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 1,142 |
| Cost of funding earning assets | 0.4959% | 2,371 |
| Net interest margin | 4.2285% | 1,129 |
| Noninterest income to average assets | 1.0537% | 915 |
| Noninterest expense to average assets | 3.1343% | 1,765 |
| Loan and lease loss provision to assets | 0.2748% | 651 |
| Net operating income to assets | 1.6232% | 623 |
| Return on assets (ROA) | 1.6731% | 575 |
| Pretax return on assets | 1.6731% | 1,087 |
| Return on Equity (ROE) | 15.2499% | 578 |
| Retained earnings to average equity (ytd only) | 5.5957% | 1,776 |
| Net charge-offs to loans | 0.3085% | 827 |
| Credit loss provision to net charge-offs | 135.0181% | 1,961 |
| Earnings coverage of net charge-offs (x) | 9.3249% | 2,804 |
| Efficiency ratio | 62.2837% | 3,894 |
| Assets per employee ($millions) | 4.5694% | 3,080 |
| Cash dividends to net income (ytd only)* | 63.3070% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,598 |
| Loan loss allowance to noncurrent loans | 111.4663% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 1,974 |
| Noncurrent loans to loans | 1.1038% | 1,607 |
| Net loans and leases to total assets | 64.3279% | 3,329 |
| Net loans and leases to deposits | 72.6106% | 3,635 |
| Net loans and leases to core deposits | 83.9861% | 3,054 |
| Total domestic deposits to total assets | 88.5930% | 1,200 |
| Equity capital to assets | 11.1061% | 2,534 |
| Core capital (leverage) ratio | 11.1422% | 2,202 |
| Tier 1 risk-based capital ratio | 15.9448% | 2,453 |
| Total risk-based capital ratio | 17.0935% | 2,440 |
| Memoranda: | ||
| Average total assets | $272,185,400 | 2,336 |
| Average earning assets | $256,093,000 | 2,311 |
| Average equity | $29,862,400 | 2,364 |
| Average total loans | $179,583,000 | 2,337 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 1,207 |
| Cost of funding earning assets | 0.4861% | 2,381 |
| Net interest margin | 4.1817% | 1,199 |
| Noninterest income to average assets | 1.0561% | 916 |
| Noninterest expense to average assets | 3.1481% | 1,679 |
| Loan and lease loss provision to assets | 0.2208% | 839 |
| Net operating income to assets | 1.6219% | 680 |
| Return on assets (ROA) | 1.6882% | 606 |
| Pretax return on assets | 1.6882% | 1,156 |
| Return on Equity (ROE) | 15.4347% | 599 |
| Retained earnings to average equity (ytd only) | 5.9361% | 2,292 |
| Net charge-offs to loans | 0.0549% | 2,356 |
| Credit loss provision to net charge-offs | 608.1081% | 541 |
| Earnings coverage of net charge-offs (x) | 50.7454% | 1,103 |
| Efficiency ratio | 63.0777% | 3,695 |
| Assets per employee ($millions) | 4.4388% | 3,259 |
| Cash dividends to net income (ytd only)* | 61.5408% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,367 |
| Loan loss allowance to noncurrent loans | 78.4960% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 1,454 |
| Noncurrent loans to loans | 1.6520% | 1,109 |
| Net loans and leases to total assets | 66.9023% | 2,988 |
| Net loans and leases to deposits | 76.3315% | 3,344 |
| Net loans and leases to core deposits | 89.5705% | 2,649 |
| Total domestic deposits to total assets | 87.6470% | 1,549 |
| Equity capital to assets | 11.3968% | 2,471 |
| Core capital (leverage) ratio | 11.0952% | 2,373 |
| Tier 1 risk-based capital ratio | 15.6542% | 2,653 |
| Total risk-based capital ratio | 16.8900% | 2,599 |
| Memoranda: | ||
| Average total assets | $271,690,750 | 2,353 |
| Average earning assets | $255,646,250 | 2,326 |
| Average equity | $29,715,750 | 2,392 |
| Average total loans | $179,838,500 | 2,340 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6274% | 1,202 |
| Cost of funding earning assets | 0.4753% | 2,374 |
| Net interest margin | 4.1520% | 1,199 |
| Noninterest income to average assets | 0.9706% | 1,086 |
| Noninterest expense to average assets | 3.0508% | 1,975 |
| Loan and lease loss provision to assets | 0.2206% | 800 |
| Net operating income to assets | 1.6044% | 703 |
| Return on assets (ROA) | 1.6838% | 593 |
| Pretax return on assets | 1.6838% | 1,096 |
| Return on Equity (ROE) | 15.6129% | 582 |
| Retained earnings to average equity (ytd only) | 6.2111% | 2,012 |
| Net charge-offs to loans | 0.0470% | 2,275 |
| Credit loss provision to net charge-offs | 714.2857% | 491 |
| Earnings coverage of net charge-offs (x) | 59.0952% | 958 |
| Efficiency ratio | 62.5697% | 3,896 |
| Assets per employee ($millions) | 4.4231% | 3,231 |
| Cash dividends to net income (ytd only)* | 60.2183% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,556 |
| Loan loss allowance to noncurrent loans | 107.3020% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 2,163 |
| Noncurrent loans to loans | 1.1863% | 1,646 |
| Net loans and leases to total assets | 65.0507% | 3,243 |
| Net loans and leases to deposits | 73.6729% | 3,581 |
| Net loans and leases to core deposits | 84.3367% | 3,034 |
| Total domestic deposits to total assets | 88.2966% | 1,308 |
| Equity capital to assets | 11.3472% | 2,458 |
| Core capital (leverage) ratio | 10.9043% | 2,501 |
| Tier 1 risk-based capital ratio | 18.5872% | 1,696 |
| Total risk-based capital ratio | 19.8392% | 1,656 |
| Memoranda: | ||
| Average total assets | $271,998,330 | 2,359 |
| Average earning assets | $255,825,670 | 2,334 |
| Average equity | $29,334,670 | 2,420 |
| Average total loans | $178,608,000 | 2,354 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 1,207 |
| Cost of funding earning assets | 0.4608% | 2,423 |
| Net interest margin | 4.1113% | 1,190 |
| Noninterest income to average assets | 0.8876% | 1,285 |
| Noninterest expense to average assets | 2.9309% | 2,361 |
| Loan and lease loss provision to assets | 0.2197% | 725 |
| Net operating income to assets | 1.6053% | 670 |
| Return on assets (ROA) | 1.6419% | 634 |
| Pretax return on assets | 1.6419% | 1,145 |
| Return on Equity (ROE) | 15.6270% | 575 |
| Retained earnings to average equity (ytd only) | 6.6634% | 1,996 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6261% | 4,206 |
| Assets per employee ($millions) | 4.1904% | 3,680 |
| Cash dividends to net income (ytd only)* | 57.3595% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 3,141 |
| Loan loss allowance to noncurrent loans | 101.4609% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7791% | 2,352 |
| Noncurrent loans to loans | 1.1823% | 1,712 |
| Net loans and leases to total assets | 65.1052% | 3,103 |
| Net loans and leases to deposits | 73.1771% | 3,485 |
| Net loans and leases to core deposits | 84.6333% | 2,842 |
| Total domestic deposits to total assets | 88.9694% | 1,157 |
| Equity capital to assets | 10.6583% | 3,001 |
| Core capital (leverage) ratio | 10.6647% | 2,722 |
| Tier 1 risk-based capital ratio | 15.6630% | 2,683 |
| Total risk-based capital ratio | 16.8138% | 2,655 |
| Memoranda: | ||
| Average total assets | $273,092,000 | 2,375 |
| Average earning assets | $256,948,000 | 2,336 |
| Average equity | $28,694,000 | 2,466 |
| Average total loans | $179,023,500 | 2,368 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 1,298 |
| Cost of funding earning assets | 0.4525% | 2,518 |
| Net interest margin | 4.1407% | 1,272 |
| Noninterest income to average assets | 1.2082% | 779 |
| Noninterest expense to average assets | 3.1689% | 1,863 |
| Loan and lease loss provision to assets | 0.2589% | 797 |
| Net operating income to assets | 1.6732% | 583 |
| Return on assets (ROA) | 1.6831% | 595 |
| Pretax return on assets | 1.6831% | 1,047 |
| Return on Equity (ROE) | 15.6046% | 546 |
| Retained earnings to average equity (ytd only) | 5.0156% | 2,337 |
| Net charge-offs to loans | 0.7284% | 291 |
| Credit loss provision to net charge-offs | 53.5660% | 3,336 |
| Earnings coverage of net charge-offs (x) | 3.9970% | 3,578 |
| Efficiency ratio | 62.1225% | 4,223 |
| Assets per employee ($millions) | 4.4162% | 3,242 |
| Cash dividends to net income (ytd only)* | 67.8579% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,595 |
| Loan loss allowance to noncurrent loans | 96.1612% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 2,429 |
| Noncurrent loans to loans | 1.1671% | 1,760 |
| Net loans and leases to total assets | 64.4828% | 3,291 |
| Net loans and leases to deposits | 72.2082% | 3,694 |
| Net loans and leases to core deposits | 86.3968% | 2,821 |
| Total domestic deposits to total assets | 89.3011% | 954 |
| Equity capital to assets | 10.3566% | 3,321 |
| Core capital (leverage) ratio | 10.5111% | 2,874 |
| Tier 1 risk-based capital ratio | 15.7664% | 2,646 |
| Total risk-based capital ratio | 16.8626% | 2,633 |
| Memoranda: | ||
| Average total assets | $272,648,000 | 2,341 |
| Average earning assets | $256,330,400 | 2,308 |
| Average equity | $29,408,000 | 2,405 |
| Average total loans | $180,937,000 | 2,303 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5782% | 1,337 |
| Cost of funding earning assets | 0.4651% | 2,423 |
| Net interest margin | 4.1131% | 1,362 |
| Noninterest income to average assets | 1.2562% | 734 |
| Noninterest expense to average assets | 3.1629% | 1,872 |
| Loan and lease loss provision to assets | 0.2722% | 651 |
| Net operating income to assets | 1.6874% | 606 |
| Return on assets (ROA) | 1.7212% | 604 |
| Pretax return on assets | 1.7212% | 1,057 |
| Return on Equity (ROE) | 15.7997% | 568 |
| Retained earnings to average equity (ytd only) | 5.9586% | 2,207 |
| Net charge-offs to loans | 0.0279% | 3,108 |
| Credit loss provision to net charge-offs | 1,463.1579% | 314 |
| Earnings coverage of net charge-offs (x) | 105.3325% | 635 |
| Efficiency ratio | 61.7450% | 4,271 |
| Assets per employee ($millions) | 4.4097% | 3,230 |
| Cash dividends to net income (ytd only)* | 62.2868% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 1,197 |
| Loan loss allowance to noncurrent loans | 85.7417% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.3449% | 1,402 |
| Noncurrent loans to loans | 1.9948% | 991 |
| Net loans and leases to total assets | 65.8544% | 3,149 |
| Net loans and leases to deposits | 75.3668% | 3,462 |
| Net loans and leases to core deposits | 91.3049% | 2,452 |
| Total domestic deposits to total assets | 87.3786% | 1,723 |
| Equity capital to assets | 11.1609% | 2,840 |
| Core capital (leverage) ratio | 10.3988% | 3,113 |
| Tier 1 risk-based capital ratio | 15.4141% | 2,866 |
| Total risk-based capital ratio | 16.6693% | 2,795 |
| Memoranda: | ||
| Average total assets | $272,358,750 | 2,351 |
| Average earning assets | $256,020,000 | 2,319 |
| Average equity | $29,670,750 | 2,389 |
| Average total loans | $181,531,000 | 2,299 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 1,454 |
| Cost of funding earning assets | 0.4553% | 2,519 |
| Net interest margin | 4.0671% | 1,455 |
| Noninterest income to average assets | 1.3088% | 668 |
| Noninterest expense to average assets | 3.1932% | 1,828 |
| Loan and lease loss provision to assets | 0.3309% | 504 |
| Net operating income to assets | 1.6073% | 712 |
| Return on assets (ROA) | 1.6492% | 689 |
| Pretax return on assets | 1.6492% | 1,222 |
| Return on Equity (ROE) | 15.2639% | 641 |
| Retained earnings to average equity (ytd only) | 5.3420% | 2,522 |
| Net charge-offs to loans | 0.0641% | 2,281 |
| Credit loss provision to net charge-offs | 775.8621% | 463 |
| Earnings coverage of net charge-offs (x) | 45.4483% | 1,061 |
| Efficiency ratio | 62.2295% | 4,314 |
| Assets per employee ($millions) | 4.9366% | 2,374 |
| Cash dividends to net income (ytd only)* | 65.0022% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 1,293 |
| Loan loss allowance to noncurrent loans | 80.0905% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.3922% | 1,416 |
| Noncurrent loans to loans | 2.1103% | 922 |
| Net loans and leases to total assets | 64.4612% | 3,297 |
| Net loans and leases to deposits | 74.0775% | 3,583 |
| Net loans and leases to core deposits | 88.1748% | 2,712 |
| Total domestic deposits to total assets | 87.0186% | 1,905 |
| Equity capital to assets | 11.1207% | 2,927 |
| Core capital (leverage) ratio | 10.3505% | 3,131 |
| Tier 1 risk-based capital ratio | 15.3794% | 2,911 |
| Total risk-based capital ratio | 16.6344% | 2,842 |
| Memoranda: | ||
| Average total assets | $272,011,670 | 2,363 |
| Average earning assets | $255,661,670 | 2,337 |
| Average equity | $29,389,670 | 2,408 |
| Average total loans | $180,981,670 | 2,305 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 1,542 |
| Cost of funding earning assets | 0.4361% | 2,714 |
| Net interest margin | 4.0518% | 1,473 |
| Noninterest income to average assets | 0.8242% | 1,543 |
| Noninterest expense to average assets | 2.8267% | 2,970 |
| Loan and lease loss provision to assets | 0.3306% | 458 |
| Net operating income to assets | 1.4751% | 898 |
| Return on assets (ROA) | 1.4413% | 1,003 |
| Pretax return on assets | 1.4413% | 1,771 |
| Return on Equity (ROE) | 13.5369% | 922 |
| Retained earnings to average equity (ytd only) | 1.5317% | 4,657 |
| Net charge-offs to loans | 0.0987% | 1,539 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 27.3111% | 1,247 |
| Efficiency ratio | 61.0212% | 4,599 |
| Assets per employee ($millions) | 4.4359% | 3,194 |
| Cash dividends to net income (ytd only)* | 88.6850% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,820 |
| Loan loss allowance to noncurrent loans | 73.0789% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.4391% | 1,442 |
| Noncurrent loans to loans | 2.1082% | 996 |
| Net loans and leases to total assets | 66.0342% | 2,938 |
| Net loans and leases to deposits | 74.7164% | 3,345 |
| Net loans and leases to core deposits | 87.9765% | 2,569 |
| Total domestic deposits to total assets | 88.3798% | 1,417 |
| Equity capital to assets | 10.7968% | 3,165 |
| Core capital (leverage) ratio | 9.9991% | 3,536 |
| Tier 1 risk-based capital ratio | 14.8489% | 3,222 |
| Total risk-based capital ratio | 16.1024% | 3,162 |
| Memoranda: | ||
| Average total assets | $272,261,500 | 2,367 |
| Average earning assets | $255,888,500 | 2,339 |
| Average equity | $28,987,500 | 2,433 |
| Average total loans | $182,458,000 | 2,285 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 1,396 |
| Cost of funding earning assets | 0.4326% | 2,823 |
| Net interest margin | 4.1440% | 1,294 |
| Noninterest income to average assets | 1.0780% | 1,015 |
| Noninterest expense to average assets | 2.6678% | 3,701 |
| Loan and lease loss provision to assets | 0.2069% | 1,027 |
| Net operating income to assets | 2.1196% | 284 |
| Return on assets (ROA) | 2.1396% | 279 |
| Pretax return on assets | 2.1396% | 394 |
| Return on Equity (ROE) | 21.7604% | 186 |
| Retained earnings to average equity (ytd only) | 9.3311% | 579 |
| Net charge-offs to loans | 0.3011% | 1,002 |
| Credit loss provision to net charge-offs | 108.0074% | 2,335 |
| Earnings coverage of net charge-offs (x) | 12.1453% | 2,495 |
| Efficiency ratio | 53.4176% | 5,559 |
| Assets per employee ($millions) | 4.7230% | 2,702 |
| Cash dividends to net income (ytd only)* | 57.1190% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 2,314 |
| Loan loss allowance to noncurrent loans | 134.2227% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 2,875 |
| Noncurrent loans to loans | 1.0625% | 2,212 |
| Net loans and leases to total assets | 66.0096% | 2,975 |
| Net loans and leases to deposits | 75.1915% | 3,353 |
| Net loans and leases to core deposits | 89.2036% | 2,475 |
| Total domestic deposits to total assets | 87.7886% | 1,753 |
| Equity capital to assets | 10.4989% | 3,365 |
| Core capital (leverage) ratio | 9.8748% | 3,681 |
| Tier 1 risk-based capital ratio | 14.6660% | 3,344 |
| Total risk-based capital ratio | 15.9181% | 3,273 |
| Memoranda: | ||
| Average total assets | $280,338,800 | 2,270 |
| Average earning assets | $264,937,000 | 2,235 |
| Average equity | $27,563,800 | 2,499 |
| Average total loans | $178,319,600 | 2,261 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 1,507 |
| Cost of funding earning assets | 0.4309% | 2,896 |
| Net interest margin | 4.1002% | 1,408 |
| Noninterest income to average assets | 1.1146% | 969 |
| Noninterest expense to average assets | 2.6057% | 3,858 |
| Loan and lease loss provision to assets | 0.2033% | 980 |
| Net operating income to assets | 2.1848% | 268 |
| Return on assets (ROA) | 2.1962% | 273 |
| Pretax return on assets | 2.1962% | 418 |
| Return on Equity (ROE) | 22.7101% | 171 |
| Retained earnings to average equity (ytd only) | 10.2156% | 599 |
| Net charge-offs to loans | 0.2259% | 1,154 |
| Credit loss provision to net charge-offs | 143.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 16.8333% | 2,087 |
| Efficiency ratio | 52.1780% | 5,644 |
| Assets per employee ($millions) | 4.7763% | 2,589 |
| Cash dividends to net income (ytd only)* | 55.0172% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 2,267 |
| Loan loss allowance to noncurrent loans | 101.9238% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 2,393 |
| Noncurrent loans to loans | 1.4453% | 1,736 |
| Net loans and leases to total assets | 65.2366% | 3,125 |
| Net loans and leases to deposits | 75.2070% | 3,404 |
| Net loans and leases to core deposits | 90.6020% | 2,403 |
| Total domestic deposits to total assets | 86.7427% | 2,163 |
| Equity capital to assets | 10.1760% | 3,965 |
| Core capital (leverage) ratio | 9.7646% | 3,943 |
| Tier 1 risk-based capital ratio | 14.4218% | 3,617 |
| Total risk-based capital ratio | 15.6741% | 3,529 |
| Memoranda: | ||
| Average total assets | $281,940,250 | 2,270 |
| Average earning assets | $266,744,250 | 2,238 |
| Average equity | $27,264,750 | 2,538 |
| Average total loans | $177,040,000 | 2,283 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 1,546 |
| Cost of funding earning assets | 0.4340% | 2,906 |
| Net interest margin | 4.0631% | 1,464 |
| Noninterest income to average assets | 1.0755% | 1,036 |
| Noninterest expense to average assets | 2.5481% | 4,078 |
| Loan and lease loss provision to assets | 0.1975% | 1,004 |
| Net operating income to assets | 2.1793% | 269 |
| Return on assets (ROA) | 2.1920% | 277 |
| Pretax return on assets | 2.1920% | 421 |
| Return on Equity (ROE) | 23.0595% | 158 |
| Retained earnings to average equity (ytd only) | 10.5578% | 569 |
| Net charge-offs to loans | 0.1841% | 1,354 |
| Credit loss provision to net charge-offs | 173.9130% | 1,383 |
| Earnings coverage of net charge-offs (x) | 20.9317% | 1,697 |
| Efficiency ratio | 51.7399% | 5,738 |
| Assets per employee ($millions) | 4.8612% | 2,453 |
| Cash dividends to net income (ytd only)* | 54.2149% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 2,302 |
| Loan loss allowance to noncurrent loans | 118.2857% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 2,900 |
| Noncurrent loans to loans | 1.2673% | 2,124 |
| Net loans and leases to total assets | 63.8134% | 3,283 |
| Net loans and leases to deposits | 72.0882% | 3,714 |
| Net loans and leases to core deposits | 84.9523% | 2,887 |
| Total domestic deposits to total assets | 88.5213% | 1,403 |
| Equity capital to assets | 9.7995% | 4,280 |
| Core capital (leverage) ratio | 9.3878% | 4,439 |
| Tier 1 risk-based capital ratio | 14.3762% | 3,709 |
| Total risk-based capital ratio | 15.6300% | 3,629 |
| Memoranda: | ||
| Average total assets | $283,579,000 | 2,278 |
| Average earning assets | $268,662,670 | 2,242 |
| Average equity | $26,956,330 | 2,574 |
| Average total loans | $174,912,330 | 2,315 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 1,546 |
| Cost of funding earning assets | 0.4444% | 2,832 |
| Net interest margin | 4.0275% | 1,470 |
| Noninterest income to average assets | 0.9483% | 1,240 |
| Noninterest expense to average assets | 2.4084% | 4,567 |
| Loan and lease loss provision to assets | 0.1883% | 1,001 |
| Net operating income to assets | 2.1686% | 243 |
| Return on assets (ROA) | 2.2034% | 241 |
| Pretax return on assets | 2.2034% | 384 |
| Return on Equity (ROE) | 23.5312% | 139 |
| Retained earnings to average equity (ytd only) | 12.1230% | 552 |
| Net charge-offs to loans | 0.0440% | 2,363 |
| Credit loss provision to net charge-offs | 710.5263% | 427 |
| Earnings coverage of net charge-offs (x) | 88.9474% | 538 |
| Efficiency ratio | 50.5414% | 5,886 |
| Assets per employee ($millions) | 5.1001% | 2,233 |
| Cash dividends to net income (ytd only)* | 48.4810% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 2,421 |
| Loan loss allowance to noncurrent loans | 123.5294% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 3,208 |
| Noncurrent loans to loans | 1.2187% | 2,337 |
| Net loans and leases to total assets | 61.5729% | 3,437 |
| Net loans and leases to deposits | 70.5742% | 3,682 |
| Net loans and leases to core deposits | 83.0583% | 2,865 |
| Total domestic deposits to total assets | 87.2457% | 2,245 |
| Equity capital to assets | 9.5943% | 4,642 |
| Core capital (leverage) ratio | 8.8280% | 5,163 |
| Tier 1 risk-based capital ratio | 13.9633% | 4,048 |
| Total risk-based capital ratio | 15.2154% | 3,963 |
| Memoranda: | ||
| Average total assets | $286,825,500 | 2,274 |
| Average earning assets | $271,830,500 | 2,235 |
| Average equity | $26,858,000 | 2,598 |
| Average total loans | $172,614,000 | 2,343 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,132 |
| Cost of funding earning assets | 0.4915% | 2,755 |
| Net interest margin | 3.9362% | 2,097 |
| Noninterest income to average assets | 1.1157% | 979 |
| Noninterest expense to average assets | 2.5504% | 4,397 |
| Loan and lease loss provision to assets | 0.1988% | 1,280 |
| Net operating income to assets | 2.0882% | 280 |
| Return on assets (ROA) | 2.1807% | 235 |
| Pretax return on assets | 2.1807% | 331 |
| Return on Equity (ROE) | 24.6715% | 112 |
| Retained earnings to average equity (ytd only) | 12.8065% | 240 |
| Net charge-offs to loans | 0.2186% | 1,922 |
| Credit loss provision to net charge-offs | 157.4344% | 1,540 |
| Earnings coverage of net charge-offs (x) | 18.1079% | 1,864 |
| Efficiency ratio | 52.7213% | 5,931 |
| Assets per employee ($millions) | 5.1437% | 2,130 |
| Cash dividends to net income (ytd only)* | 48.0919% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 2,285 |
| Loan loss allowance to noncurrent loans | 106.6750% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 3,119 |
| Noncurrent loans to loans | 1.4470% | 2,036 |
| Net loans and leases to total assets | 56.9741% | 4,201 |
| Net loans and leases to deposits | 63.1298% | 4,619 |
| Net loans and leases to core deposits | 70.9077% | 4,229 |
| Total domestic deposits to total assets | 90.2491% | 630 |
| Equity capital to assets | 9.1354% | 5,146 |
| Core capital (leverage) ratio | 8.7730% | 5,265 |
| Tier 1 risk-based capital ratio | 14.7250% | 3,643 |
| Total risk-based capital ratio | 15.9765% | 3,575 |
| Memoranda: | ||
| Average total assets | $271,569,400 | 2,350 |
| Average earning assets | $256,770,000 | 2,297 |
| Average equity | $24,003,400 | 2,759 |
| Average total loans | $156,931,200 | 2,470 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 2,007 |
| Cost of funding earning assets | 0.5059% | 2,699 |
| Net interest margin | 3.9580% | 2,004 |
| Noninterest income to average assets | 1.1007% | 1,002 |
| Noninterest expense to average assets | 2.5450% | 4,382 |
| Loan and lease loss provision to assets | 0.2019% | 1,173 |
| Net operating income to assets | 2.0943% | 287 |
| Return on assets (ROA) | 2.2164% | 236 |
| Pretax return on assets | 2.2164% | 356 |
| Return on Equity (ROE) | 25.3048% | 98 |
| Retained earnings to average equity (ytd only) | 13.4948% | 281 |
| Net charge-offs to loans | 0.1994% | 1,869 |
| Credit loss provision to net charge-offs | 175.3247% | 1,420 |
| Earnings coverage of net charge-offs (x) | 19.9395% | 1,762 |
| Efficiency ratio | 52.5693% | 5,953 |
| Assets per employee ($millions) | 4.5959% | 2,817 |
| Cash dividends to net income (ytd only)* | 46.6712% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 2,388 |
| Loan loss allowance to noncurrent loans | 96.5191% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 3,085 |
| Noncurrent loans to loans | 1.6338% | 1,997 |
| Net loans and leases to total assets | 56.7917% | 4,230 |
| Net loans and leases to deposits | 62.9031% | 4,656 |
| Net loans and leases to core deposits | 72.0047% | 4,151 |
| Total domestic deposits to total assets | 90.2843% | 618 |
| Equity capital to assets | 9.0201% | 5,333 |
| Core capital (leverage) ratio | 8.7980% | 5,341 |
| Tier 1 risk-based capital ratio | 14.5850% | 3,826 |
| Total risk-based capital ratio | 15.8390% | 3,765 |
| Memoranda: | ||
| Average total assets | $267,450,500 | 2,390 |
| Average earning assets | $252,746,750 | 2,339 |
| Average equity | $23,425,750 | 2,815 |
| Average total loans | $154,493,000 | 2,507 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 2,004 |
| Cost of funding earning assets | 0.5191% | 2,644 |
| Net interest margin | 3.9287% | 2,050 |
| Noninterest income to average assets | 1.0351% | 1,110 |
| Noninterest expense to average assets | 2.5225% | 4,503 |
| Loan and lease loss provision to assets | 0.2052% | 1,164 |
| Net operating income to assets | 2.0179% | 324 |
| Return on assets (ROA) | 2.1691% | 251 |
| Pretax return on assets | 2.1691% | 388 |
| Return on Equity (ROE) | 25.0296% | 107 |
| Retained earnings to average equity (ytd only) | 13.6286% | 286 |
| Net charge-offs to loans | 0.2381% | 1,622 |
| Credit loss provision to net charge-offs | 149.1713% | 1,464 |
| Earnings coverage of net charge-offs (x) | 16.1602% | 1,811 |
| Efficiency ratio | 53.1550% | 5,985 |
| Assets per employee ($millions) | 4.6213% | 2,737 |
| Cash dividends to net income (ytd only)* | 45.5501% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 2,452 |
| Loan loss allowance to noncurrent loans | 112.3007% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.8189% | 3,510 |
| Noncurrent loans to loans | 1.4256% | 2,420 |
| Net loans and leases to total assets | 56.5249% | 4,197 |
| Net loans and leases to deposits | 63.0095% | 4,592 |
| Net loans and leases to core deposits | 72.1081% | 4,044 |
| Total domestic deposits to total assets | 89.7085% | 963 |
| Equity capital to assets | 9.1156% | 5,189 |
| Core capital (leverage) ratio | 8.7052% | 5,387 |
| Tier 1 risk-based capital ratio | 14.8648% | 3,710 |
| Total risk-based capital ratio | 16.1187% | 3,651 |
| Memoranda: | ||
| Average total assets | $263,150,330 | 2,426 |
| Average earning assets | $248,528,330 | 2,371 |
| Average equity | $22,805,000 | 2,873 |
| Average total loans | $152,068,330 | 2,547 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 2,115 |
| Cost of funding earning assets | 0.5279% | 2,631 |
| Net interest margin | 3.8773% | 2,164 |
| Noninterest income to average assets | 0.9697% | 1,202 |
| Noninterest expense to average assets | 2.5331% | 4,508 |
| Loan and lease loss provision to assets | 0.2071% | 1,118 |
| Net operating income to assets | 1.8918% | 398 |
| Return on assets (ROA) | 1.8918% | 420 |
| Pretax return on assets | 1.8918% | 660 |
| Return on Equity (ROE) | 22.4274% | 183 |
| Retained earnings to average equity (ytd only) | 10.6225% | 812 |
| Net charge-offs to loans | 0.3362% | 1,065 |
| Credit loss provision to net charge-offs | 106.2992% | 1,580 |
| Earnings coverage of net charge-offs (x) | 10.7717% | 1,834 |
| Efficiency ratio | 54.6870% | 5,953 |
| Assets per employee ($millions) | 4.4196% | 3,111 |
| Cash dividends to net income (ytd only)* | 52.6358% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 2,831 |
| Loan loss allowance to noncurrent loans | 121.5706% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 3,898 |
| Noncurrent loans to loans | 1.2918% | 2,874 |
| Net loans and leases to total assets | 55.4227% | 4,219 |
| Net loans and leases to deposits | 61.2889% | 4,625 |
| Net loans and leases to core deposits | 70.7582% | 4,010 |
| Total domestic deposits to total assets | 90.4287% | 840 |
| Equity capital to assets | 8.4270% | 5,714 |
| Core capital (leverage) ratio | 8.5306% | 5,602 |
| Tier 1 risk-based capital ratio | 14.1608% | 4,219 |
| Total risk-based capital ratio | 15.4143% | 4,166 |
| Memoranda: | ||
| Average total assets | $260,707,500 | 2,449 |
| Average earning assets | $246,252,500 | 2,386 |
| Average equity | $21,991,000 | 2,937 |
| Average total loans | $151,116,500 | 2,562 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 1,775 |
| Cost of funding earning assets | 0.6594% | 2,134 |
| Net interest margin | 3.9693% | 2,038 |
| Noninterest income to average assets | 1.1361% | 1,088 |
| Noninterest expense to average assets | 2.6352% | 4,334 |
| Loan and lease loss provision to assets | 0.2164% | 1,691 |
| Net operating income to assets | 2.0320% | 323 |
| Return on assets (ROA) | 1.9434% | 373 |
| Pretax return on assets | 1.9434% | 549 |
| Return on Equity (ROE) | 22.4974% | 189 |
| Retained earnings to average equity (ytd only) | 10.1433% | 542 |
| Net charge-offs to loans | 0.2444% | 2,513 |
| Credit loss provision to net charge-offs | 144.2623% | 1,613 |
| Earnings coverage of net charge-offs (x) | 14.9891% | 1,908 |
| Efficiency ratio | 53.7345% | 6,163 |
| Assets per employee ($millions) | 4.4179% | 3,054 |
| Cash dividends to net income (ytd only)* | 54.9135% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5795% | 2,846 |
| Loan loss allowance to noncurrent loans | 120.3647% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 3,930 |
| Noncurrent loans to loans | 1.3122% | 2,943 |
| Net loans and leases to total assets | 58.7944% | 3,907 |
| Net loans and leases to deposits | 65.4427% | 4,361 |
| Net loans and leases to core deposits | 72.8191% | 3,974 |
| Total domestic deposits to total assets | 89.8411% | 1,159 |
| Equity capital to assets | 8.4438% | 5,643 |
| Core capital (leverage) ratio | 8.6641% | 5,459 |
| Tier 1 risk-based capital ratio | 13.9923% | 4,303 |
| Total risk-based capital ratio | 15.2442% | 4,239 |
| Memoranda: | ||
| Average total assets | $244,000,200 | 2,585 |
| Average earning assets | $230,367,200 | 2,511 |
| Average equity | $21,078,000 | 3,027 |
| Average total loans | $149,754,200 | 2,561 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5924% | 1,932 |
| Cost of funding earning assets | 0.6845% | 2,063 |
| Net interest margin | 3.9079% | 2,246 |
| Noninterest income to average assets | 1.0747% | 1,269 |
| Noninterest expense to average assets | 2.5846% | 4,444 |
| Loan and lease loss provision to assets | 0.2231% | 1,630 |
| Net operating income to assets | 1.9594% | 391 |
| Return on assets (ROA) | 1.9709% | 390 |
| Pretax return on assets | 1.9709% | 615 |
| Return on Equity (ROE) | 22.6826% | 181 |
| Retained earnings to average equity (ytd only) | 10.4791% | 693 |
| Net charge-offs to loans | 0.2424% | 2,359 |
| Credit loss provision to net charge-offs | 148.8971% | 1,584 |
| Earnings coverage of net charge-offs (x) | 14.5661% | 1,936 |
| Efficiency ratio | 53.9057% | 6,107 |
| Assets per employee ($millions) | 4.5345% | 2,830 |
| Cash dividends to net income (ytd only)* | 53.8009% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 3,056 |
| Loan loss allowance to noncurrent loans | 80.3767% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.2386% | 3,165 |
| Noncurrent loans to loans | 1.9756% | 2,280 |
| Net loans and leases to total assets | 58.3223% | 3,959 |
| Net loans and leases to deposits | 64.7787% | 4,434 |
| Net loans and leases to core deposits | 74.0213% | 3,846 |
| Total domestic deposits to total assets | 90.0332% | 978 |
| Equity capital to assets | 8.1741% | 6,027 |
| Core capital (leverage) ratio | 8.6699% | 5,575 |
| Tier 1 risk-based capital ratio | 13.8365% | 4,545 |
| Total risk-based capital ratio | 15.0962% | 4,493 |
| Memoranda: | ||
| Average total assets | $242,045,750 | 2,626 |
| Average earning assets | $228,692,750 | 2,541 |
| Average equity | $21,031,750 | 3,073 |
| Average total loans | $149,585,000 | 2,570 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6079% | 1,827 |
| Cost of funding earning assets | 0.6951% | 2,102 |
| Net interest margin | 3.9128% | 2,179 |
| Noninterest income to average assets | 1.0977% | 1,259 |
| Noninterest expense to average assets | 2.5960% | 4,403 |
| Loan and lease loss provision to assets | 0.2354% | 1,578 |
| Net operating income to assets | 1.9641% | 375 |
| Return on assets (ROA) | 1.9817% | 393 |
| Pretax return on assets | 1.9817% | 628 |
| Return on Equity (ROE) | 22.3467% | 192 |
| Retained earnings to average equity (ytd only) | 10.5991% | 723 |
| Net charge-offs to loans | 0.2757% | 2,099 |
| Credit loss provision to net charge-offs | 136.2319% | 1,661 |
| Earnings coverage of net charge-offs (x) | 12.7295% | 1,961 |
| Efficiency ratio | 53.7337% | 6,165 |
| Assets per employee ($millions) | 4.4914% | 2,826 |
| Cash dividends to net income (ytd only)* | 52.5695% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 3,539 |
| Loan loss allowance to noncurrent loans | 96.8684% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0427% | 3,663 |
| Noncurrent loans to loans | 1.5597% | 2,968 |
| Net loans and leases to total assets | 61.5227% | 3,383 |
| Net loans and leases to deposits | 68.9561% | 3,864 |
| Net loans and leases to core deposits | 79.5341% | 3,080 |
| Total domestic deposits to total assets | 89.2201% | 1,497 |
| Equity capital to assets | 8.4334% | 5,834 |
| Core capital (leverage) ratio | 8.5012% | 5,671 |
| Tier 1 risk-based capital ratio | 13.4611% | 4,796 |
| Total risk-based capital ratio | 14.7116% | 4,752 |
| Memoranda: | ||
| Average total assets | $239,595,330 | 2,656 |
| Average earning assets | $226,436,670 | 2,575 |
| Average equity | $21,247,000 | 3,068 |
| Average total loans | $150,179,670 | 2,570 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5813% | 1,892 |
| Cost of funding earning assets | 0.6977% | 2,237 |
| Net interest margin | 3.8836% | 2,167 |
| Noninterest income to average assets | 0.9474% | 1,622 |
| Noninterest expense to average assets | 2.5600% | 4,530 |
| Loan and lease loss provision to assets | 0.2520% | 1,421 |
| Net operating income to assets | 1.8192% | 468 |
| Return on assets (ROA) | 1.8545% | 477 |
| Pretax return on assets | 1.8545% | 796 |
| Return on Equity (ROE) | 20.4034% | 270 |
| Retained earnings to average equity (ytd only) | 9.9429% | 1,121 |
| Net charge-offs to loans | 0.3772% | 1,508 |
| Credit loss provision to net charge-offs | 106.3830% | 1,738 |
| Earnings coverage of net charge-offs (x) | 8.7447% | 1,917 |
| Efficiency ratio | 54.8785% | 6,167 |
| Assets per employee ($millions) | 4.3287% | 3,282 |
| Cash dividends to net income (ytd only)* | 51.2681% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 3,876 |
| Loan loss allowance to noncurrent loans | 83.7288% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 3,742 |
| Noncurrent loans to loans | 1.7789% | 2,895 |
| Net loans and leases to total assets | 60.6540% | 3,321 |
| Net loans and leases to deposits | 68.3573% | 3,734 |
| Net loans and leases to core deposits | 79.5461% | 2,862 |
| Total domestic deposits to total assets | 88.7309% | 1,851 |
| Equity capital to assets | 8.9540% | 5,553 |
| Core capital (leverage) ratio | 8.5147% | 5,570 |
| Tier 1 risk-based capital ratio | 13.4763% | 4,889 |
| Total risk-based capital ratio | 14.7301% | 4,847 |
| Memoranda: | ||
| Average total assets | $238,125,500 | 2,691 |
| Average earning assets | $225,875,000 | 2,604 |
| Average equity | $21,643,500 | 3,066 |
| Average total loans | $149,518,000 | 2,587 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 1,595 |
| Cost of funding earning assets | 0.8395% | 2,364 |
| Net interest margin | 4.1481% | 1,828 |
| Noninterest income to average assets | 1.1869% | 1,115 |
| Noninterest expense to average assets | 2.7646% | 4,165 |
| Loan and lease loss provision to assets | 0.2698% | 2,492 |
| Net operating income to assets | 2.0803% | 312 |
| Return on assets (ROA) | 2.1347% | 311 |
| Pretax return on assets | 2.1347% | 463 |
| Return on Equity (ROE) | 23.1366% | 172 |
| Retained earnings to average equity (ytd only) | 11.8850% | 337 |
| Net charge-offs to loans | 0.0963% | 4,703 |
| Credit loss provision to net charge-offs | 428.5714% | 559 |
| Earnings coverage of net charge-offs (x) | 37.3357% | 851 |
| Efficiency ratio | 53.6480% | 6,297 |
| Assets per employee ($millions) | 4.4122% | 3,122 |
| Cash dividends to net income (ytd only)* | 48.6310% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 3,837 |
| Loan loss allowance to noncurrent loans | 95.1440% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9951% | 4,045 |
| Noncurrent loans to loans | 1.5536% | 3,290 |
| Net loans and leases to total assets | 63.1059% | 3,037 |
| Net loans and leases to deposits | 71.4109% | 3,509 |
| Net loans and leases to core deposits | 81.6441% | 2,804 |
| Total domestic deposits to total assets | 88.3701% | 1,983 |
| Equity capital to assets | 9.2292% | 5,237 |
| Core capital (leverage) ratio | 8.7017% | 5,328 |
| Tier 1 risk-based capital ratio | 13.1292% | 5,018 |
| Total risk-based capital ratio | 14.3804% | 4,963 |
| Memoranda: | ||
| Average total assets | $222,422,000 | 2,819 |
| Average earning assets | $210,601,200 | 2,724 |
| Average equity | $20,521,600 | 3,141 |
| Average total loans | $145,378,200 | 2,644 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 1,555 |
| Cost of funding earning assets | 0.8712% | 2,383 |
| Net interest margin | 4.1808% | 1,796 |
| Noninterest income to average assets | 1.1841% | 1,078 |
| Noninterest expense to average assets | 2.7253% | 4,268 |
| Loan and lease loss provision to assets | 0.2733% | 2,390 |
| Net operating income to assets | 2.1430% | 314 |
| Return on assets (ROA) | 2.2164% | 308 |
| Pretax return on assets | 2.2164% | 466 |
| Return on Equity (ROE) | 24.0246% | 165 |
| Retained earnings to average equity (ytd only) | 12.8680% | 406 |
| Net charge-offs to loans | 0.1072% | 4,316 |
| Credit loss provision to net charge-offs | 387.9310% | 696 |
| Earnings coverage of net charge-offs (x) | 34.3023% | 986 |
| Efficiency ratio | 52.6042% | 6,391 |
| Assets per employee ($millions) | 4.4240% | 3,039 |
| Cash dividends to net income (ytd only)* | 46.4382% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,451 |
| Loan loss allowance to noncurrent loans | 203.5122% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 5,526 |
| Noncurrent loans to loans | 0.6792% | 5,085 |
| Net loans and leases to total assets | 65.9665% | 2,656 |
| Net loans and leases to deposits | 75.0771% | 3,130 |
| Net loans and leases to core deposits | 86.6383% | 2,385 |
| Total domestic deposits to total assets | 87.8651% | 2,118 |
| Equity capital to assets | 9.5704% | 5,108 |
| Core capital (leverage) ratio | 8.6566% | 5,545 |
| Tier 1 risk-based capital ratio | 12.8393% | 5,380 |
| Total risk-based capital ratio | 14.0912% | 5,345 |
| Memoranda: | ||
| Average total assets | $219,566,250 | 2,865 |
| Average earning assets | $207,834,750 | 2,789 |
| Average equity | $20,256,500 | 3,205 |
| Average total loans | $144,276,750 | 2,693 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0554% | 1,648 |
| Cost of funding earning assets | 0.9009% | 2,390 |
| Net interest margin | 4.1545% | 1,886 |
| Noninterest income to average assets | 1.1777% | 1,028 |
| Noninterest expense to average assets | 2.7314% | 4,280 |
| Loan and lease loss provision to assets | 0.2758% | 2,381 |
| Net operating income to assets | 2.1007% | 341 |
| Return on assets (ROA) | 2.1476% | 345 |
| Pretax return on assets | 2.1476% | 528 |
| Return on Equity (ROE) | 23.5829% | 193 |
| Retained earnings to average equity (ytd only) | 12.2558% | 543 |
| Net charge-offs to loans | 0.1844% | 3,481 |
| Credit loss provision to net charge-offs | 229.0076% | 1,248 |
| Earnings coverage of net charge-offs (x) | 19.7328% | 1,421 |
| Efficiency ratio | 53.0598% | 6,411 |
| Assets per employee ($millions) | 4.4197% | 3,052 |
| Cash dividends to net income (ytd only)* | 48.0308% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,908 |
| Loan loss allowance to noncurrent loans | 205.2350% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 5,722 |
| Noncurrent loans to loans | 0.6315% | 5,245 |
| Net loans and leases to total assets | 66.2024% | 2,633 |
| Net loans and leases to deposits | 76.6807% | 2,887 |
| Net loans and leases to core deposits | 89.0480% | 2,092 |
| Total domestic deposits to total assets | 86.3351% | 3,173 |
| Equity capital to assets | 9.2681% | 5,365 |
| Core capital (leverage) ratio | 8.3810% | 5,816 |
| Tier 1 risk-based capital ratio | 12.6320% | 5,471 |
| Total risk-based capital ratio | 13.8826% | 5,454 |
| Memoranda: | ||
| Average total assets | $217,547,670 | 2,893 |
| Average earning assets | $205,801,330 | 2,811 |
| Average equity | $19,811,000 | 3,250 |
| Average total loans | $142,062,000 | 2,740 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0316% | 1,785 |
| Cost of funding earning assets | 0.9353% | 2,406 |
| Net interest margin | 4.0963% | 2,103 |
| Noninterest income to average assets | 1.0008% | 1,420 |
| Noninterest expense to average assets | 2.7188% | 4,360 |
| Loan and lease loss provision to assets | 0.2780% | 2,237 |
| Net operating income to assets | 1.8756% | 516 |
| Return on assets (ROA) | 1.9738% | 508 |
| Pretax return on assets | 1.9738% | 772 |
| Return on Equity (ROE) | 21.8731% | 277 |
| Retained earnings to average equity (ytd only) | 10.9263% | 1,047 |
| Net charge-offs to loans | 0.3569% | 2,234 |
| Credit loss provision to net charge-offs | 120.9677% | 1,972 |
| Earnings coverage of net charge-offs (x) | 9.3710% | 1,850 |
| Efficiency ratio | 55.3823% | 6,192 |
| Assets per employee ($millions) | 4.3790% | 3,237 |
| Cash dividends to net income (ytd only)* | 50.0469% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 5,195 |
| Loan loss allowance to noncurrent loans | 208.8028% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 5,927 |
| Noncurrent loans to loans | 0.6041% | 5,453 |
| Net loans and leases to total assets | 62.3594% | 3,177 |
| Net loans and leases to deposits | 72.1619% | 3,414 |
| Net loans and leases to core deposits | 83.7091% | 2,583 |
| Total domestic deposits to total assets | 86.4159% | 3,292 |
| Equity capital to assets | 8.8126% | 5,740 |
| Core capital (leverage) ratio | 8.2559% | 5,948 |
| Tier 1 risk-based capital ratio | 12.4886% | 5,610 |
| Total risk-based capital ratio | 13.7389% | 5,578 |
| Memoranda: | ||
| Average total assets | $215,830,000 | 2,935 |
| Average earning assets | $203,990,000 | 2,848 |
| Average equity | $19,476,000 | 3,291 |
| Average total loans | $138,984,500 | 2,799 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9080% | 508 |
| Cost of funding earning assets | 1.0451% | 3,064 |
| Net interest margin | 4.8629% | 553 |
| Noninterest income to average assets | 0.5656% | 3,389 |
| Noninterest expense to average assets | 2.9415% | 3,806 |
| Loan and lease loss provision to assets | 0.3085% | 3,204 |
| Net operating income to assets | 1.8803% | 395 |
| Return on assets (ROA) | 1.9142% | 396 |
| Pretax return on assets | 1.9142% | 643 |
| Return on Equity (ROE) | 21.3352% | 211 |
| Retained earnings to average equity (ytd only) | 11.8395% | 318 |
| Net charge-offs to loans | 0.1909% | 4,616 |
| Credit loss provision to net charge-offs | 242.9150% | 992 |
| Earnings coverage of net charge-offs (x) | 17.2348% | 1,283 |
| Efficiency ratio | 56.8751% | 6,203 |
| Assets per employee ($millions) | 4.3403% | 3,182 |
| Cash dividends to net income (ytd only)* | 44.5071% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 5,022 |
| Loan loss allowance to noncurrent loans | 193.5912% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 5,876 |
| Noncurrent loans to loans | 0.6610% | 5,382 |
| Net loans and leases to total assets | 64.8830% | 3,009 |
| Net loans and leases to deposits | 75.7478% | 3,213 |
| Net loans and leases to core deposits | 84.4804% | 2,819 |
| Total domestic deposits to total assets | 85.6565% | 3,509 |
| Equity capital to assets | 9.2501% | 5,211 |
| Core capital (leverage) ratio | 8.4775% | 5,605 |
| Tier 1 risk-based capital ratio | 12.3848% | 5,550 |
| Total risk-based capital ratio | 13.6351% | 5,522 |
| Memoranda: | ||
| Average total assets | $194,490,600 | 3,124 |
| Average earning assets | $182,565,000 | 3,055 |
| Average equity | $17,450,000 | 3,510 |
| Average total loans | $129,411,800 | 2,988 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8644% | 603 |
| Cost of funding earning assets | 1.0658% | 3,206 |
| Net interest margin | 4.7986% | 624 |
| Noninterest income to average assets | 0.5619% | 3,434 |
| Noninterest expense to average assets | 2.9181% | 3,845 |
| Loan and lease loss provision to assets | 0.3141% | 3,022 |
| Net operating income to assets | 1.8328% | 487 |
| Return on assets (ROA) | 1.8419% | 514 |
| Pretax return on assets | 1.8419% | 876 |
| Return on Equity (ROE) | 20.7039% | 268 |
| Retained earnings to average equity (ytd only) | 11.5013% | 552 |
| Net charge-offs to loans | 0.1432% | 4,630 |
| Credit loss provision to net charge-offs | 328.4672% | 854 |
| Earnings coverage of net charge-offs (x) | 22.4528% | 1,149 |
| Efficiency ratio | 57.1448% | 6,123 |
| Assets per employee ($millions) | 3.9792% | 3,897 |
| Cash dividends to net income (ytd only)* | 44.4486% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,975 |
| Loan loss allowance to noncurrent loans | 182.5160% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 5,900 |
| Noncurrent loans to loans | 0.7170% | 5,446 |
| Net loans and leases to total assets | 64.8938% | 3,132 |
| Net loans and leases to deposits | 76.1411% | 3,306 |
| Net loans and leases to core deposits | 85.0458% | 2,908 |
| Total domestic deposits to total assets | 85.2283% | 3,660 |
| Equity capital to assets | 9.3581% | 5,293 |
| Core capital (leverage) ratio | 8.5386% | 5,658 |
| Tier 1 risk-based capital ratio | 12.6908% | 5,338 |
| Total risk-based capital ratio | 13.9410% | 5,313 |
| Memoranda: | ||
| Average total assets | $191,030,250 | 3,186 |
| Average earning assets | $179,269,500 | 3,122 |
| Average equity | $16,994,750 | 3,586 |
| Average total loans | $127,533,750 | 3,050 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8212% | 692 |
| Cost of funding earning assets | 1.0852% | 3,352 |
| Net interest margin | 4.7360% | 678 |
| Noninterest income to average assets | 0.5637% | 3,375 |
| Noninterest expense to average assets | 2.9142% | 3,968 |
| Loan and lease loss provision to assets | 0.3185% | 2,879 |
| Net operating income to assets | 1.7698% | 534 |
| Return on assets (ROA) | 1.7836% | 559 |
| Pretax return on assets | 1.7836% | 910 |
| Return on Equity (ROE) | 20.4214% | 290 |
| Retained earnings to average equity (ytd only) | 12.0583% | 511 |
| Net charge-offs to loans | 0.1708% | 4,155 |
| Credit loss provision to net charge-offs | 277.7778% | 1,095 |
| Earnings coverage of net charge-offs (x) | 18.2130% | 1,269 |
| Efficiency ratio | 57.7674% | 6,196 |
| Assets per employee ($millions) | 4.0055% | 3,744 |
| Cash dividends to net income (ytd only)* | 40.9524% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 5,437 |
| Loan loss allowance to noncurrent loans | 132.8047% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 5,624 |
| Noncurrent loans to loans | 0.9227% | 5,124 |
| Net loans and leases to total assets | 66.6998% | 2,890 |
| Net loans and leases to deposits | 75.7854% | 3,519 |
| Net loans and leases to core deposits | 87.4870% | 2,706 |
| Total domestic deposits to total assets | 88.0114% | 2,129 |
| Equity capital to assets | 9.0968% | 5,444 |
| Core capital (leverage) ratio | 8.4327% | 5,659 |
| Tier 1 risk-based capital ratio | 12.3472% | 5,479 |
| Total risk-based capital ratio | 13.5781% | 5,477 |
| Memoranda: | ||
| Average total assets | $188,386,330 | 3,247 |
| Average earning assets | $176,562,670 | 3,178 |
| Average equity | $16,453,330 | 3,661 |
| Average total loans | $126,436,330 | 3,099 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6733% | 933 |
| Cost of funding earning assets | 1.1200% | 3,378 |
| Net interest margin | 4.5533% | 953 |
| Noninterest income to average assets | 0.5578% | 3,453 |
| Noninterest expense to average assets | 2.9349% | 3,920 |
| Loan and lease loss provision to assets | 0.3218% | 2,618 |
| Net operating income to assets | 1.5661% | 750 |
| Return on assets (ROA) | 1.5661% | 789 |
| Pretax return on assets | 1.5661% | 1,263 |
| Return on Equity (ROE) | 18.3244% | 447 |
| Retained earnings to average equity (ytd only) | 10.8692% | 924 |
| Net charge-offs to loans | 0.1700% | 3,462 |
| Credit loss provision to net charge-offs | 283.0189% | 1,123 |
| Earnings coverage of net charge-offs (x) | 16.6038% | 1,260 |
| Efficiency ratio | 60.3648% | 5,934 |
| Assets per employee ($millions) | 3.9183% | 4,027 |
| Cash dividends to net income (ytd only)* | 40.6849% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 5,700 |
| Loan loss allowance to noncurrent loans | 207.9277% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 6,195 |
| Noncurrent loans to loans | 0.5699% | 5,881 |
| Net loans and leases to total assets | 66.2886% | 2,934 |
| Net loans and leases to deposits | 75.0301% | 3,579 |
| Net loans and leases to core deposits | 87.4395% | 2,680 |
| Total domestic deposits to total assets | 88.3494% | 2,168 |
| Equity capital to assets | 8.7422% | 5,590 |
| Core capital (leverage) ratio | 8.3782% | 5,667 |
| Tier 1 risk-based capital ratio | 12.2927% | 5,444 |
| Total risk-based capital ratio | 13.4869% | 5,488 |
| Memoranda: | ||
| Average total assets | $186,446,500 | 3,291 |
| Average earning assets | $174,643,500 | 3,228 |
| Average equity | $15,935,000 | 3,738 |
| Average total loans | $124,738,500 | 3,161 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0249% | 808 |
| Cost of funding earning assets | 1.2994% | 3,882 |
| Net interest margin | 4.7255% | 777 |
| Noninterest income to average assets | 0.6080% | 3,421 |
| Noninterest expense to average assets | 3.1461% | 3,290 |
| Loan and lease loss provision to assets | 0.3412% | 4,102 |
| Net operating income to assets | 1.5219% | 727 |
| Return on assets (ROA) | 1.3894% | 1,041 |
| Pretax return on assets | 1.3894% | 1,691 |
| Return on Equity (ROE) | 15.7829% | 606 |
| Retained earnings to average equity (ytd only) | 8.4632% | 849 |
| Net charge-offs to loans | 0.3059% | 4,488 |
| Credit loss provision to net charge-offs | 172.4138% | 1,958 |
| Earnings coverage of net charge-offs (x) | 9.4138% | 1,826 |
| Efficiency ratio | 62.2843% | 5,682 |
| Assets per employee ($millions) | 3.6963% | 4,471 |
| Cash dividends to net income (ytd only)* | 46.3774% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 5,806 |
| Loan loss allowance to noncurrent loans | 171.6564% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 6,169 |
| Noncurrent loans to loans | 0.6609% | 5,725 |
| Net loans and leases to total assets | 65.9625% | 3,475 |
| Net loans and leases to deposits | 75.5984% | 3,906 |
| Net loans and leases to core deposits | 89.4693% | 2,834 |
| Total domestic deposits to total assets | 87.2539% | 2,695 |
| Equity capital to assets | 8.3477% | 6,078 |
| Core capital (leverage) ratio | 8.4237% | 5,493 |
| Tier 1 risk-based capital ratio | 12.2974% | 5,208 |
| Total risk-based capital ratio | 13.4485% | 5,271 |
| Memoranda: | ||
| Average total assets | $175,836,800 | 3,441 |
| Average earning assets | $163,770,000 | 3,382 |
| Average equity | $15,478,800 | 3,866 |
| Average total loans | $113,750,200 | 3,455 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0555% | 835 |
| Cost of funding earning assets | 1.3444% | 3,945 |
| Net interest margin | 4.7111% | 825 |
| Noninterest income to average assets | 0.6029% | 3,419 |
| Noninterest expense to average assets | 3.1652% | 3,051 |
| Loan and lease loss provision to assets | 0.3456% | 3,847 |
| Net operating income to assets | 1.4739% | 967 |
| Return on assets (ROA) | 1.2412% | 1,566 |
| Pretax return on assets | 1.2412% | 2,358 |
| Return on Equity (ROE) | 13.9083% | 1,053 |
| Retained earnings to average equity (ytd only) | 6.7132% | 1,982 |
| Net charge-offs to loans | 0.3712% | 3,824 |
| Credit loss provision to net charge-offs | 145.1613% | 2,706 |
| Earnings coverage of net charge-offs (x) | 7.6420% | 2,289 |
| Efficiency ratio | 62.9738% | 5,435 |
| Assets per employee ($millions) | 3.7248% | 4,449 |
| Cash dividends to net income (ytd only)* | 51.7328% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 5,956 |
| Loan loss allowance to noncurrent loans | 161.4806% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 6,221 |
| Noncurrent loans to loans | 0.6796% | 5,845 |
| Net loans and leases to total assets | 66.2501% | 3,630 |
| Net loans and leases to deposits | 77.0442% | 4,003 |
| Net loans and leases to core deposits | 92.2475% | 2,764 |
| Total domestic deposits to total assets | 85.9897% | 3,083 |
| Equity capital to assets | 9.2663% | 5,194 |
| Core capital (leverage) ratio | 8.2587% | 5,947 |
| Tier 1 risk-based capital ratio | 12.5851% | 4,911 |
| Total risk-based capital ratio | 13.7096% | 4,997 |
| Memoranda: | ||
| Average total assets | $173,591,750 | 3,520 |
| Average earning assets | $161,458,500 | 3,470 |
| Average equity | $15,491,500 | 3,907 |
| Average total loans | $111,360,500 | 3,574 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 1,186 |
| Cost of funding earning assets | 1.3762% | 4,021 |
| Net interest margin | 4.5239% | 1,157 |
| Noninterest income to average assets | 0.5996% | 3,336 |
| Noninterest expense to average assets | 3.0988% | 3,331 |
| Loan and lease loss provision to assets | 0.3466% | 3,647 |
| Net operating income to assets | 1.3587% | 1,175 |
| Return on assets (ROA) | 0.8862% | 2,725 |
| Pretax return on assets | 0.8862% | 3,555 |
| Return on Equity (ROE) | 10.0603% | 2,089 |
| Retained earnings to average equity (ytd only) | 1.8494% | 4,944 |
| Net charge-offs to loans | 0.3675% | 3,518 |
| Credit loss provision to net charge-offs | 149.2537% | 2,645 |
| Earnings coverage of net charge-offs (x) | 7.3433% | 2,314 |
| Efficiency ratio | 63.9490% | 5,347 |
| Assets per employee ($millions) | 3.6256% | 4,651 |
| Cash dividends to net income (ytd only)* | 81.6167% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 6,002 |
| Loan loss allowance to noncurrent loans | 85.3425% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8466% | 5,419 |
| Noncurrent loans to loans | 1.2747% | 4,832 |
| Net loans and leases to total assets | 63.7702% | 4,306 |
| Net loans and leases to deposits | 74.8472% | 4,538 |
| Net loans and leases to core deposits | 93.1003% | 2,832 |
| Total domestic deposits to total assets | 85.2005% | 3,519 |
| Equity capital to assets | 8.6038% | 6,006 |
| Core capital (leverage) ratio | 7.8513% | 6,439 |
| Tier 1 risk-based capital ratio | 11.8111% | 5,486 |
| Total risk-based capital ratio | 12.8811% | 5,610 |
| Memoranda: | ||
| Average total assets | $173,101,000 | 3,548 |
| Average earning assets | $160,878,000 | 3,495 |
| Average equity | $15,248,000 | 3,942 |
| Average total loans | $109,391,670 | 3,654 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8487% | 1,326 |
| Cost of funding earning assets | 1.4231% | 4,030 |
| Net interest margin | 4.4256% | 1,314 |
| Noninterest income to average assets | 0.5760% | 3,447 |
| Noninterest expense to average assets | 3.1752% | 2,955 |
| Loan and lease loss provision to assets | 0.3512% | 3,272 |
| Net operating income to assets | 1.1567% | 1,656 |
| Return on assets (ROA) | 0.9811% | 2,315 |
| Pretax return on assets | 0.9811% | 3,159 |
| Return on Equity (ROE) | 11.0050% | 1,789 |
| Retained earnings to average equity (ytd only) | 5.2530% | 3,011 |
| Net charge-offs to loans | 0.3745% | 2,923 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 6.4400% | 2,224 |
| Efficiency ratio | 67.2500% | 4,866 |
| Assets per employee ($millions) | 3.4986% | 5,030 |
| Cash dividends to net income (ytd only)* | 52.2673% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 5,973 |
| Loan loss allowance to noncurrent loans | 107.0662% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 5,888 |
| Noncurrent loans to loans | 1.0345% | 5,266 |
| Net loans and leases to total assets | 62.3411% | 4,689 |
| Net loans and leases to deposits | 72.2606% | 5,013 |
| Net loans and leases to core deposits | 77.2638% | 5,109 |
| Total domestic deposits to total assets | 86.2726% | 2,998 |
| Equity capital to assets | 8.9307% | 5,380 |
| Core capital (leverage) ratio | 8.2749% | 5,788 |
| Tier 1 risk-based capital ratio | 12.2739% | 4,921 |
| Total risk-based capital ratio | 13.3384% | 5,067 |
| Memoranda: | ||
| Average total assets | $170,824,000 | 3,646 |
| Average earning assets | $158,530,500 | 3,597 |
| Average equity | $15,229,500 | 3,978 |
| Average total loans | $106,819,000 | 3,758 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5172% | 646 |
| Cost of funding earning assets | 1.7019% | 4,495 |
| Net interest margin | 4.8153% | 671 |
| Noninterest income to average assets | 0.7804% | 2,509 |
| Noninterest expense to average assets | 3.3145% | 2,966 |
| Loan and lease loss provision to assets | 0.2819% | 5,165 |
| Net operating income to assets | 1.5963% | 554 |
| Return on assets (ROA) | 1.5779% | 612 |
| Pretax return on assets | 1.5779% | 1,010 |
| Return on Equity (ROE) | 17.9360% | 371 |
| Retained earnings to average equity (ytd only) | 12.6815% | 171 |
| Net charge-offs to loans | 0.6387% | 3,282 |
| Credit loss provision to net charge-offs | 75.1269% | 6,393 |
| Earnings coverage of net charge-offs (x) | 5.0051% | 2,718 |
| Efficiency ratio | 63.2673% | 5,921 |
| Assets per employee ($millions) | 3.4738% | 5,070 |
| Cash dividends to net income (ytd only)* | 29.2958% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 5,963 |
| Loan loss allowance to noncurrent loans | 213.1970% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 6,645 |
| Noncurrent loans to loans | 0.5096% | 6,231 |
| Net loans and leases to total assets | 61.3464% | 5,134 |
| Net loans and leases to deposits | 72.8060% | 5,222 |
| Net loans and leases to core deposits | 105.1804% | 3,438 |
| Total domestic deposits to total assets | 84.2601% | 3,913 |
| Equity capital to assets | 8.8998% | 5,281 |
| Core capital (leverage) ratio | 8.2463% | 5,731 |
| Tier 1 risk-based capital ratio | 12.3956% | 4,598 |
| Total risk-based capital ratio | 13.4418% | 4,737 |
| Memoranda: | ||
| Average total assets | $157,487,600 | 3,821 |
| Average earning assets | $144,310,000 | 3,810 |
| Average equity | $13,854,800 | 4,297 |
| Average total loans | $92,538,400 | 4,144 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5742% | 647 |
| Cost of funding earning assets | 1.8177% | 4,301 |
| Net interest margin | 4.7565% | 746 |
| Noninterest income to average assets | 0.8070% | 2,391 |
| Noninterest expense to average assets | 3.2636% | 3,061 |
| Loan and lease loss provision to assets | 0.2877% | 4,674 |
| Net operating income to assets | 1.5994% | 667 |
| Return on assets (ROA) | 1.5873% | 735 |
| Pretax return on assets | 1.5873% | 1,200 |
| Return on Equity (ROE) | 18.1008% | 448 |
| Retained earnings to average equity (ytd only) | 12.7110% | 282 |
| Net charge-offs to loans | 0.3360% | 3,957 |
| Credit loss provision to net charge-offs | 148.0000% | 3,268 |
| Earnings coverage of net charge-offs (x) | 9.7068% | 2,071 |
| Efficiency ratio | 62.7915% | 5,967 |
| Assets per employee ($millions) | 3.3238% | 5,331 |
| Cash dividends to net income (ytd only)* | 29.7770% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 3,938 |
| Loan loss allowance to noncurrent loans | 158.7769% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 6,100 |
| Noncurrent loans to loans | 0.8822% | 5,528 |
| Net loans and leases to total assets | 60.5971% | 5,489 |
| Net loans and leases to deposits | 72.3066% | 5,601 |
| Net loans and leases to core deposits | 102.0726% | 4,147 |
| Total domestic deposits to total assets | 83.8057% | 3,817 |
| Equity capital to assets | 8.9632% | 5,533 |
| Core capital (leverage) ratio | 8.2500% | 5,919 |
| Tier 1 risk-based capital ratio | 12.3808% | 4,646 |
| Total risk-based capital ratio | 13.6320% | 4,592 |
| Memoranda: | ||
| Average total assets | $154,305,250 | 3,906 |
| Average earning assets | $140,911,000 | 3,911 |
| Average equity | $13,531,250 | 4,409 |
| Average total loans | $89,280,750 | 4,269 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6447% | 608 |
| Cost of funding earning assets | 1.9695% | 3,919 |
| Net interest margin | 4.6751% | 837 |
| Noninterest income to average assets | 0.6986% | 3,004 |
| Noninterest expense to average assets | 3.1852% | 3,372 |
| Loan and lease loss provision to assets | 0.2932% | 4,221 |
| Net operating income to assets | 1.4645% | 909 |
| Return on assets (ROA) | 1.5477% | 815 |
| Pretax return on assets | 1.5477% | 1,331 |
| Return on Equity (ROE) | 17.7904% | 507 |
| Retained earnings to average equity (ytd only) | 12.0981% | 427 |
| Net charge-offs to loans | 0.5719% | 2,615 |
| Credit loss provision to net charge-offs | 90.6122% | 4,904 |
| Earnings coverage of net charge-offs (x) | 5.4327% | 2,834 |
| Efficiency ratio | 63.8258% | 5,949 |
| Assets per employee ($millions) | 3.2884% | 5,351 |
| Cash dividends to net income (ytd only)* | 31.9966% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 3,805 |
| Loan loss allowance to noncurrent loans | 146.0920% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 6,014 |
| Noncurrent loans to loans | 0.9488% | 5,327 |
| Net loans and leases to total assets | 58.5086% | 5,902 |
| Net loans and leases to deposits | 71.8081% | 5,761 |
| Net loans and leases to core deposits | 86.3794% | 5,863 |
| Total domestic deposits to total assets | 81.4791% | 4,901 |
| Equity capital to assets | 8.6623% | 5,801 |
| Core capital (leverage) ratio | 8.2032% | 5,981 |
| Tier 1 risk-based capital ratio | 12.7907% | 4,296 |
| Total risk-based capital ratio | 14.0406% | 4,207 |
| Memoranda: | ||
| Average total assets | $151,451,670 | 3,973 |
| Average earning assets | $137,493,670 | 4,000 |
| Average equity | $13,175,670 | 4,501 |
| Average total loans | $85,676,330 | 4,409 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6452% | 642 |
| Cost of funding earning assets | 2.2456% | 2,934 |
| Net interest margin | 4.3996% | 1,339 |
| Noninterest income to average assets | 0.6591% | 3,144 |
| Noninterest expense to average assets | 3.0607% | 3,516 |
| Loan and lease loss provision to assets | 0.2962% | 3,577 |
| Net operating income to assets | 1.2755% | 1,443 |
| Return on assets (ROA) | 1.3903% | 1,252 |
| Pretax return on assets | 1.3903% | 1,996 |
| Return on Equity (ROE) | 15.9455% | 832 |
| Retained earnings to average equity (ytd only) | 9.3347% | 1,392 |
| Net charge-offs to loans | 0.3436% | 2,711 |
| Credit loss provision to net charge-offs | 156.3380% | 2,689 |
| Earnings coverage of net charge-offs (x) | 8.2958% | 2,215 |
| Efficiency ratio | 65.4378% | 5,430 |
| Assets per employee ($millions) | 3.2578% | 5,431 |
| Cash dividends to net income (ytd only)* | 41.4587% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 2,550 |
| Loan loss allowance to noncurrent loans | 133.1337% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 5,529 |
| Noncurrent loans to loans | 1.1964% | 4,580 |
| Net loans and leases to total assets | 53.8242% | 6,484 |
| Net loans and leases to deposits | 62.8803% | 6,657 |
| Net loans and leases to core deposits | 76.3772% | 6,651 |
| Total domestic deposits to total assets | 85.5979% | 2,924 |
| Equity capital to assets | 8.6731% | 5,805 |
| Core capital (leverage) ratio | 7.9971% | 6,448 |
| Tier 1 risk-based capital ratio | 12.6623% | 4,425 |
| Total risk-based capital ratio | 13.9146% | 4,342 |
| Memoranda: | ||
| Average total assets | $149,900,000 | 4,014 |
| Average earning assets | $135,376,500 | 4,046 |
| Average equity | $13,069,500 | 4,564 |
| Average total loans | $82,665,000 | 4,538 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8873% | 1,433 |
| Cost of funding earning assets | 2.8037% | 2,692 |
| Net interest margin | 4.0837% | 2,781 |
| Noninterest income to average assets | 0.8661% | 2,131 |
| Noninterest expense to average assets | 2.8363% | 4,660 |
| Loan and lease loss provision to assets | 0.3361% | 3,703 |
| Net operating income to assets | 1.3879% | 1,255 |
| Return on assets (ROA) | 1.3002% | 1,433 |
| Pretax return on assets | 1.3002% | 2,308 |
| Return on Equity (ROE) | 15.2093% | 894 |
| Retained earnings to average equity (ytd only) | 6.2423% | 1,408 |
| Net charge-offs to loans | 0.5058% | 2,331 |
| Credit loss provision to net charge-offs | 117.8295% | 4,563 |
| Earnings coverage of net charge-offs (x) | 6.0439% | 3,459 |
| Efficiency ratio | 61.4514% | 6,059 |
| Assets per employee ($millions) | 3.1209% | 5,714 |
| Cash dividends to net income (ytd only)* | 58.9569% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 2,304 |
| Loan loss allowance to noncurrent loans | 154.0476% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 5,472 |
| Noncurrent loans to loans | 1.0296% | 4,526 |
| Net loans and leases to total assets | 54.7357% | 6,577 |
| Net loans and leases to deposits | 64.5547% | 6,753 |
| Net loans and leases to core deposits | 76.7608% | 6,816 |
| Total domestic deposits to total assets | 84.7896% | 2,938 |
| Equity capital to assets | 8.7665% | 5,711 |
| Core capital (leverage) ratio | 8.3257% | 5,907 |
| Tier 1 risk-based capital ratio | 13.0573% | 4,081 |
| Total risk-based capital ratio | 14.3068% | 3,988 |
| Memoranda: | ||
| Average total assets | $135,668,600 | 4,168 |
| Average earning assets | $122,732,600 | 4,199 |
| Average equity | $11,598,200 | 4,940 |
| Average total loans | $76,507,000 | 4,632 |