Home > Morgantown Bank & Trust Company, Incorporated > Performance and Condition Ratios
Morgantown Bank & Trust Company, Incorporated, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8007% | 2,473 |
| Cost of funding earning assets | 1.8375% | 1,191 |
| Net interest margin | 2.9632% | 3,370 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.7561% | 1,614 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5276% | 3,611 |
| Return on assets (ROA) | 0.5276% | 3,595 |
| Pretax return on assets | 0.6384% | 3,565 |
| Return on Equity (ROE) | 8.9000% | 2,785 |
| Retained earnings to average equity (ytd only) | 3.9446% | 2,977 |
| Net charge-offs to loans | 0.0280% | 1,748 |
| Credit loss provision to net charge-offs | 245.7627% | 1,081 |
| Earnings coverage of net charge-offs (x) | 34.8983% | 1,530 |
| Efficiency ratio | 80.0446% | 914 |
| Assets per employee ($millions) | 5.6014% | 3,161 |
| Cash dividends to net income (ytd only)* | 55.6610% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 4,178 |
| Loan loss allowance to noncurrent loans | 591.9847% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,003 |
| Noncurrent loans to loans | 0.1106% | 2,976 |
| Net loans and leases to total assets | 72.4300% | 1,532 |
| Net loans and leases to deposits | 84.1461% | 1,770 |
| Net loans and leases to core deposits | 93.5779% | 1,798 |
| Total domestic deposits to total assets | 86.0700% | 1,994 |
| Equity capital to assets | 5.8744% | 4,257 |
| Core capital (leverage) ratio | 7.4360% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7572% | 2,635 |
| Memoranda: | ||
| Average total assets | $299,666,400 | 2,428 |
| Average earning assets | $280,540,800 | 2,412 |
| Average equity | $17,771,200 | 3,030 |
| Average total loans | $210,819,000 | 2,226 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 2,521 |
| Cost of funding earning assets | 1.7330% | 1,128 |
| Net interest margin | 2.9427% | 3,449 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.7069% | 1,637 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.5813% | 3,593 |
| Return on assets (ROA) | 0.5813% | 3,578 |
| Pretax return on assets | 0.7026% | 3,545 |
| Return on Equity (ROE) | 9.7800% | 2,705 |
| Retained earnings to average equity (ytd only) | 3.5085% | 3,382 |
| Net charge-offs to loans | 0.0320% | 1,438 |
| Credit loss provision to net charge-offs | 175.5102% | 1,207 |
| Earnings coverage of net charge-offs (x) | 33.3061% | 1,539 |
| Efficiency ratio | 78.4924% | 972 |
| Assets per employee ($millions) | 5.3921% | 3,270 |
| Cash dividends to net income (ytd only)* | 64.1126% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 4,143 |
| Loan loss allowance to noncurrent loans | 625.8333% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,063 |
| Noncurrent loans to loans | 0.1113% | 3,021 |
| Net loans and leases to total assets | 70.9400% | 1,708 |
| Net loans and leases to deposits | 80.9460% | 1,975 |
| Net loans and leases to core deposits | 86.2593% | 2,172 |
| Total domestic deposits to total assets | 87.6400% | 1,688 |
| Equity capital to assets | 5.6919% | 4,085 |
| Core capital (leverage) ratio | 7.6923% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6222% | 2,413 |
| Memoranda: | ||
| Average total assets | $293,362,500 | 2,459 |
| Average earning assets | $274,433,000 | 2,447 |
| Average equity | $17,442,750 | 3,042 |
| Average total loans | $204,311,750 | 2,261 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5182% | 2,601 |
| Cost of funding earning assets | 1.6274% | 1,001 |
| Net interest margin | 2.8908% | 3,665 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.7408% | 1,550 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5680% | 3,662 |
| Return on assets (ROA) | 0.5680% | 3,667 |
| Pretax return on assets | 0.6692% | 3,664 |
| Return on Equity (ROE) | 9.4100% | 2,860 |
| Retained earnings to average equity (ytd only) | 0.3423% | 4,015 |
| Net charge-offs to loans | 0.0449% | 1,058 |
| Credit loss provision to net charge-offs | 106.6667% | 1,396 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,692 |
| Efficiency ratio | 79.6041% | 866 |
| Assets per employee ($millions) | 5.1938% | 3,417 |
| Cash dividends to net income (ytd only)* | 96.3636% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 4,163 |
| Loan loss allowance to noncurrent loans | 709.1787% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,072 |
| Noncurrent loans to loans | 0.0999% | 2,991 |
| Net loans and leases to total assets | 69.4900% | 1,799 |
| Net loans and leases to deposits | 78.2144% | 2,110 |
| Net loans and leases to core deposits | 82.1853% | 2,322 |
| Total domestic deposits to total assets | 88.8500% | 1,305 |
| Equity capital to assets | 5.9362% | 4,177 |
| Core capital (leverage) ratio | 7.6350% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9501% | 2,316 |
| Memoranda: | ||
| Average total assets | $290,498,000 | 2,483 |
| Average earning assets | $271,965,000 | 2,467 |
| Average equity | $17,528,000 | 3,057 |
| Average total loans | $200,510,667 | 2,282 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 2,711 |
| Cost of funding earning assets | 1.5507% | 767 |
| Net interest margin | 2.7864% | 3,961 |
| Noninterest income to average assets | 0.8800% | 711 |
| Noninterest expense to average assets | 2.7207% | 1,618 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.6020% | 3,687 |
| Return on assets (ROA) | 0.6020% | 3,649 |
| Pretax return on assets | 0.7368% | 3,593 |
| Return on Equity (ROE) | 9.8900% | 2,817 |
| Retained earnings to average equity (ytd only) | -7.2436% | 4,406 |
| Net charge-offs to loans | 0.0609% | 767 |
| Credit loss provision to net charge-offs | 80.0000% | 1,214 |
| Earnings coverage of net charge-offs (x) | 18.4667% | 1,487 |
| Efficiency ratio | 77.9371% | 1,010 |
| Assets per employee ($millions) | 5.3188% | 3,393 |
| Cash dividends to net income (ytd only)* | 173.2102% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 4,202 |
| Loan loss allowance to noncurrent loans | 403.0387% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 2,655 |
| Noncurrent loans to loans | 0.1806% | 2,576 |
| Net loans and leases to total assets | 66.8000% | 1,973 |
| Net loans and leases to deposits | 75.1589% | 2,188 |
| Net loans and leases to core deposits | 78.0782% | 2,383 |
| Total domestic deposits to total assets | 88.8800% | 1,590 |
| Equity capital to assets | 5.9120% | 4,232 |
| Core capital (leverage) ratio | 7.7724% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1821% | 2,318 |
| Memoranda: | ||
| Average total assets | $287,723,000 | 2,528 |
| Average earning assets | $269,304,000 | 2,511 |
| Average equity | $17,505,000 | 3,092 |
| Average total loans | $197,166,000 | 2,327 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 2,184 |
| Cost of funding earning assets | 0.7162% | 546 |
| Net interest margin | 3.1185% | 3,117 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.7618% | 1,410 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6421% | 3,774 |
| Return on assets (ROA) | 0.6421% | 3,726 |
| Pretax return on assets | 0.8242% | 3,564 |
| Return on Equity (ROE) | 9.3200% | 3,026 |
| Retained earnings to average equity (ytd only) | 6.4681% | 2,465 |
| Net charge-offs to loans | 0.0231% | 1,599 |
| Credit loss provision to net charge-offs | 157.1429% | 1,271 |
| Earnings coverage of net charge-offs (x) | 53.8571% | 1,313 |
| Efficiency ratio | 76.4889% | 963 |
| Assets per employee ($millions) | 5.2376% | 3,476 |
| Cash dividends to net income (ytd only)* | 30.5669% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 4,124 |
| Loan loss allowance to noncurrent loans | 841.9540% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,179 |
| Noncurrent loans to loans | 0.0897% | 3,114 |
| Net loans and leases to total assets | 69.3200% | 1,698 |
| Net loans and leases to deposits | 79.2896% | 1,822 |
| Net loans and leases to core deposits | 81.7290% | 2,025 |
| Total domestic deposits to total assets | 87.4300% | 2,256 |
| Equity capital to assets | 6.2686% | 3,990 |
| Core capital (leverage) ratio | 8.2502% | 4,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0835% | 1,945 |
| Memoranda: | ||
| Average total assets | $266,452,200 | 2,629 |
| Average earning assets | $250,054,000 | 2,613 |
| Average equity | $18,367,200 | 3,093 |
| Average total loans | $182,024,000 | 2,359 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5951% | 1,859 |
| Cost of funding earning assets | 0.5329% | 434 |
| Net interest margin | 3.0622% | 2,672 |
| Noninterest income to average assets | 0.6857% | 1,407 |
| Noninterest expense to average assets | 2.6492% | 1,505 |
| Loan and lease loss provision to assets | 0.0092% | 2,427 |
| Net operating income to assets | 0.7102% | 3,277 |
| Return on assets (ROA) | 0.7102% | 3,228 |
| Pretax return on assets | 0.9109% | 3,020 |
| Return on Equity (ROE) | 9.6109% | 2,483 |
| Retained earnings to average equity (ytd only) | 8.5741% | 1,407 |
| Net charge-offs to loans | 0.0114% | 1,559 |
| Credit loss provision to net charge-offs | 120.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 120.1000% | 736 |
| Efficiency ratio | 74.2219% | 1,484 |
| Assets per employee ($millions) | 4.9748% | 3,696 |
| Cash dividends to net income (ytd only)* | 10.7875% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 4,187 |
| Loan loss allowance to noncurrent loans | 1,336.1111% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 3,578 |
| Noncurrent loans to loans | 0.0591% | 3,508 |
| Net loans and leases to total assets | 68.7281% | 1,417 |
| Net loans and leases to deposits | 76.7441% | 1,632 |
| Net loans and leases to core deposits | 79.1488% | 1,768 |
| Total domestic deposits to total assets | 89.5549% | 1,917 |
| Equity capital to assets | 6.8500% | 3,842 |
| Core capital (leverage) ratio | 8.5373% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5793% | 1,835 |
| Memoranda: | ||
| Average total assets | $261,056,000 | 2,699 |
| Average earning assets | $245,837,333 | 2,693 |
| Average equity | $19,290,667 | 3,125 |
| Average total loans | $174,920,333 | 2,420 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4999% | 1,809 |
| Cost of funding earning assets | 0.5493% | 376 |
| Net interest margin | 2.9506% | 2,667 |
| Noninterest income to average assets | 0.6822% | 1,379 |
| Noninterest expense to average assets | 2.6179% | 1,561 |
| Loan and lease loss provision to assets | 0.0092% | 2,153 |
| Net operating income to assets | 0.6483% | 3,236 |
| Return on assets (ROA) | 0.6483% | 3,219 |
| Pretax return on assets | 0.8346% | 2,998 |
| Return on Equity (ROE) | 8.4600% | 2,534 |
| Retained earnings to average equity (ytd only) | 7.4351% | 1,752 |
| Net charge-offs to loans | 0.0187% | 1,154 |
| Credit loss provision to net charge-offs | 75.0000% | 1,120 |
| Earnings coverage of net charge-offs (x) | 68.5000% | 805 |
| Efficiency ratio | 75.6228% | 1,572 |
| Assets per employee ($millions) | 4.9403% | 3,801 |
| Cash dividends to net income (ytd only)* | 12.1140% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 4,174 |
| Loan loss allowance to noncurrent loans | 940.5229% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 3,467 |
| Noncurrent loans to loans | 0.0893% | 3,393 |
| Net loans and leases to total assets | 64.8578% | 1,519 |
| Net loans and leases to deposits | 71.9276% | 1,781 |
| Net loans and leases to core deposits | 74.6985% | 1,879 |
| Total domestic deposits to total assets | 90.1709% | 1,462 |
| Equity capital to assets | 7.1946% | 4,103 |
| Core capital (leverage) ratio | 8.3336% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9906% | 1,796 |
| Memoranda: | ||
| Average total assets | $259,751,500 | 2,720 |
| Average earning assets | $244,696,000 | 2,710 |
| Average equity | $19,905,500 | 3,154 |
| Average total loans | $171,053,000 | 2,447 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 527 |
| Cost of funding earning assets | 0.6701% | 369 |
| Net interest margin | 3.9053% | 848 |
| Noninterest income to average assets | 0.6763% | 1,847 |
| Noninterest expense to average assets | 2.8422% | 1,266 |
| Loan and lease loss provision to assets | 0.0465% | 2,129 |
| Net operating income to assets | 1.1285% | 2,180 |
| Return on assets (ROA) | 1.1285% | 2,232 |
| Pretax return on assets | 1.4626% | 1,844 |
| Return on Equity (ROE) | 13.9842% | 1,194 |
| Retained earnings to average equity (ytd only) | 11.3593% | 642 |
| Net charge-offs to loans | 0.0088% | 2,248 |
| Credit loss provision to net charge-offs | 773.3333% | 617 |
| Earnings coverage of net charge-offs (x) | 250.8000% | 461 |
| Efficiency ratio | 65.3176% | 2,358 |
| Assets per employee ($millions) | 4.6849% | 3,978 |
| Cash dividends to net income (ytd only)* | 18.7700% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,192 |
| Loan loss allowance to noncurrent loans | 696.1353% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 3,381 |
| Noncurrent loans to loans | 0.1212% | 3,324 |
| Net loans and leases to total assets | 65.7457% | 1,499 |
| Net loans and leases to deposits | 75.2971% | 1,620 |
| Net loans and leases to core deposits | 78.6358% | 1,712 |
| Total domestic deposits to total assets | 87.3150% | 2,377 |
| Equity capital to assets | 8.1396% | 4,279 |
| Core capital (leverage) ratio | 8.3165% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0889% | 1,816 |
| Memoranda: | ||
| Average total assets | $249,279,400 | 2,736 |
| Average earning assets | $234,579,000 | 2,717 |
| Average equity | $20,115,600 | 3,208 |
| Average total loans | $171,058,200 | 2,456 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 371 |
| Cost of funding earning assets | 0.6853% | 412 |
| Net interest margin | 4.1769% | 568 |
| Noninterest income to average assets | 0.6645% | 1,956 |
| Noninterest expense to average assets | 2.8469% | 1,224 |
| Loan and lease loss provision to assets | 0.0603% | 1,788 |
| Net operating income to assets | 1.2973% | 1,836 |
| Return on assets (ROA) | 1.2973% | 1,895 |
| Pretax return on assets | 1.6862% | 1,441 |
| Return on Equity (ROE) | 16.1125% | 929 |
| Retained earnings to average equity (ytd only) | 15.0808% | 387 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9775% | 2,705 |
| Assets per employee ($millions) | 4.7107% | 3,957 |
| Cash dividends to net income (ytd only)* | 6.4033% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 4,269 |
| Loan loss allowance to noncurrent loans | 3,630.0000% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 4,110 |
| Noncurrent loans to loans | 0.0235% | 4,029 |
| Net loans and leases to total assets | 66.3798% | 1,499 |
| Net loans and leases to deposits | 76.6668% | 1,602 |
| Net loans and leases to core deposits | 80.1432% | 1,715 |
| Total domestic deposits to total assets | 86.5823% | 2,514 |
| Equity capital to assets | 8.3647% | 4,298 |
| Core capital (leverage) ratio | 8.2905% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4250% | 1,821 |
| Memoranda: | ||
| Average total assets | $247,182,500 | 2,768 |
| Average earning assets | $232,510,500 | 2,752 |
| Average equity | $19,901,250 | 3,262 |
| Average total loans | $171,111,250 | 2,493 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 2,079 |
| Cost of funding earning assets | 0.6981% | 470 |
| Net interest margin | 3.0979% | 3,043 |
| Noninterest income to average assets | 0.6675% | 1,940 |
| Noninterest expense to average assets | 2.6685% | 1,666 |
| Loan and lease loss provision to assets | 0.0049% | 2,791 |
| Net operating income to assets | 0.7084% | 3,739 |
| Return on assets (ROA) | 0.7084% | 3,808 |
| Pretax return on assets | 0.9020% | 3,660 |
| Return on Equity (ROE) | 8.9187% | 3,118 |
| Retained earnings to average equity (ytd only) | 7.8591% | 2,125 |
| Net charge-offs to loans | -0.0292% | 4,144 |
| Credit loss provision to net charge-offs | -24.0000% | 2,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6344% | 1,195 |
| Assets per employee ($millions) | 4.7153% | 3,914 |
| Cash dividends to net income (ytd only)* | 11.8800% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7882% | 4,379 |
| Loan loss allowance to noncurrent loans | 137,100.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,350 |
| Noncurrent loans to loans | 0.0006% | 4,277 |
| Net loans and leases to total assets | 67.7729% | 1,475 |
| Net loans and leases to deposits | 78.2746% | 1,588 |
| Net loans and leases to core deposits | 82.0058% | 1,727 |
| Total domestic deposits to total assets | 86.5835% | 2,512 |
| Equity capital to assets | 7.7596% | 4,650 |
| Core capital (leverage) ratio | 7.8119% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,783,333 | 2,774 |
| Average earning assets | $229,766,333 | 2,765 |
| Average equity | $19,442,333 | 3,293 |
| Average total loans | $171,378,667 | 2,500 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7695% | 2,188 |
| Cost of funding earning assets | 0.7140% | 518 |
| Net interest margin | 3.0555% | 3,115 |
| Noninterest income to average assets | 0.6771% | 1,938 |
| Noninterest expense to average assets | 2.6215% | 1,823 |
| Loan and lease loss provision to assets | 0.0050% | 2,696 |
| Net operating income to assets | 0.7187% | 3,668 |
| Return on assets (ROA) | 0.7187% | 3,733 |
| Pretax return on assets | 0.9122% | 3,574 |
| Return on Equity (ROE) | 8.9398% | 3,052 |
| Retained earnings to average equity (ytd only) | 7.8612% | 2,293 |
| Net charge-offs to loans | -0.1505% | 4,734 |
| Credit loss provision to net charge-offs | -4.6875% | 2,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0811% | 1,301 |
| Assets per employee ($millions) | 4.7916% | 3,852 |
| Cash dividends to net income (ytd only)* | 12.0650% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 4,383 |
| Loan loss allowance to noncurrent loans | 764.6739% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 3,685 |
| Noncurrent loans to loans | 0.1063% | 3,778 |
| Net loans and leases to total assets | 68.8849% | 1,417 |
| Net loans and leases to deposits | 79.5168% | 1,568 |
| Net loans and leases to core deposits | 83.4417% | 1,721 |
| Total domestic deposits to total assets | 86.6293% | 2,474 |
| Equity capital to assets | 7.7876% | 4,601 |
| Core capital (leverage) ratio | 8.1487% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,861,500 | 2,800 |
| Average earning assets | $224,644,500 | 2,783 |
| Average equity | $19,284,500 | 3,303 |
| Average total loans | $170,098,500 | 2,513 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 1,452 |
| Cost of funding earning assets | 0.9610% | 689 |
| Net interest margin | 3.4841% | 2,518 |
| Noninterest income to average assets | 0.6589% | 1,988 |
| Noninterest expense to average assets | 3.0771% | 1,277 |
| Loan and lease loss provision to assets | 0.0913% | 3,219 |
| Net operating income to assets | 0.6644% | 3,542 |
| Return on assets (ROA) | 0.6644% | 3,669 |
| Pretax return on assets | 0.7931% | 3,640 |
| Return on Equity (ROE) | 7.7771% | 2,896 |
| Retained earnings to average equity (ytd only) | 5.0351% | 2,260 |
| Net charge-offs to loans | 0.0544% | 2,008 |
| Credit loss provision to net charge-offs | 224.7191% | 2,049 |
| Earnings coverage of net charge-offs (x) | 21.7640% | 1,881 |
| Efficiency ratio | 77.6740% | 1,062 |
| Assets per employee ($millions) | 4.5207% | 3,897 |
| Cash dividends to net income (ytd only)* | 35.2577% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 4,422 |
| Loan loss allowance to noncurrent loans | 3,190.4762% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 3,314 |
| Noncurrent loans to loans | 0.0251% | 4,224 |
| Net loans and leases to total assets | 71.9181% | 1,297 |
| Net loans and leases to deposits | 83.7004% | 1,487 |
| Net loans and leases to core deposits | 88.2989% | 1,660 |
| Total domestic deposits to total assets | 85.9233% | 2,397 |
| Equity capital to assets | 8.3124% | 4,565 |
| Core capital (leverage) ratio | 8.4189% | 4,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,005,600 | 2,802 |
| Average earning assets | $207,599,400 | 2,762 |
| Average equity | $18,708,800 | 3,308 |
| Average total loans | $163,526,400 | 2,541 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 1,458 |
| Cost of funding earning assets | 1.0091% | 740 |
| Net interest margin | 3.5386% | 2,464 |
| Noninterest income to average assets | 0.5873% | 2,225 |
| Noninterest expense to average assets | 3.1192% | 1,202 |
| Loan and lease loss provision to assets | 0.1235% | 2,788 |
| Net operating income to assets | 0.5953% | 3,781 |
| Return on assets (ROA) | 0.5953% | 3,880 |
| Pretax return on assets | 0.7175% | 3,867 |
| Return on Equity (ROE) | 6.9193% | 3,228 |
| Retained earnings to average equity (ytd only) | 5.6502% | 2,262 |
| Net charge-offs to loans | 0.0525% | 1,854 |
| Credit loss provision to net charge-offs | 312.5000% | 1,724 |
| Earnings coverage of net charge-offs (x) | 21.2969% | 1,868 |
| Efficiency ratio | 78.7662% | 968 |
| Assets per employee ($millions) | 4.3061% | 4,041 |
| Cash dividends to net income (ytd only)* | 18.3420% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 4,379 |
| Loan loss allowance to noncurrent loans | 1,263.8889% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 3,332 |
| Noncurrent loans to loans | 0.0625% | 4,120 |
| Net loans and leases to total assets | 76.5661% | 1,023 |
| Net loans and leases to deposits | 89.8941% | 1,277 |
| Net loans and leases to core deposits | 95.5765% | 1,495 |
| Total domestic deposits to total assets | 85.1737% | 2,368 |
| Equity capital to assets | 8.4843% | 4,472 |
| Core capital (leverage) ratio | 8.4867% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,117,500 | 2,808 |
| Average earning assets | $205,992,250 | 2,759 |
| Average equity | $18,594,750 | 3,315 |
| Average total loans | $162,619,750 | 2,554 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7463% | 1,287 |
| Cost of funding earning assets | 1.0700% | 791 |
| Net interest margin | 3.6763% | 2,250 |
| Noninterest income to average assets | 0.5639% | 2,287 |
| Noninterest expense to average assets | 3.1286% | 1,288 |
| Loan and lease loss provision to assets | 0.1873% | 2,150 |
| Net operating income to assets | 0.6135% | 3,690 |
| Return on assets (ROA) | 0.6135% | 3,768 |
| Pretax return on assets | 0.7494% | 3,743 |
| Return on Equity (ROE) | 7.0963% | 3,094 |
| Retained earnings to average equity (ytd only) | 5.8070% | 2,152 |
| Net charge-offs to loans | 0.0013% | 2,983 |
| Credit loss provision to net charge-offs | 20,000.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 1,000.0000% | 90 |
| Efficiency ratio | 76.9585% | 1,160 |
| Assets per employee ($millions) | 4.1645% | 4,141 |
| Cash dividends to net income (ytd only)* | 18.1679% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 4,195 |
| Loan loss allowance to noncurrent loans | 204.2918% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 3,048 |
| Noncurrent loans to loans | 0.4151% | 2,924 |
| Net loans and leases to total assets | 75.6460% | 1,193 |
| Net loans and leases to deposits | 88.7182% | 1,482 |
| Net loans and leases to core deposits | 94.5624% | 1,700 |
| Total domestic deposits to total assets | 85.2654% | 2,279 |
| Equity capital to assets | 8.5095% | 4,471 |
| Core capital (leverage) ratio | 8.4668% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,517,000 | 2,807 |
| Average earning assets | $203,359,000 | 2,755 |
| Average equity | $18,460,333 | 3,325 |
| Average total loans | $159,222,667 | 2,572 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 2,155 |
| Cost of funding earning assets | 1.1610% | 876 |
| Net interest margin | 3.3888% | 3,325 |
| Noninterest income to average assets | 0.6079% | 2,009 |
| Noninterest expense to average assets | 3.2756% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4669% | 3,979 |
| Return on assets (ROA) | 0.4669% | 4,036 |
| Pretax return on assets | 0.5583% | 4,010 |
| Return on Equity (ROE) | 5.3553% | 3,527 |
| Retained earnings to average equity (ytd only) | 4.0657% | 2,656 |
| Net charge-offs to loans | 0.0155% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 48.8333% | 911 |
| Efficiency ratio | 85.4374% | 739 |
| Assets per employee ($millions) | 3.8692% | 4,088 |
| Cash dividends to net income (ytd only)* | 24.0816% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 4,426 |
| Loan loss allowance to noncurrent loans | 204.8576% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 3,325 |
| Noncurrent loans to loans | 0.3886% | 3,093 |
| Net loans and leases to total assets | 71.6243% | 1,975 |
| Net loans and leases to deposits | 84.5242% | 2,166 |
| Net loans and leases to core deposits | 90.1851% | 2,324 |
| Total domestic deposits to total assets | 84.7381% | 2,518 |
| Equity capital to assets | 8.6624% | 4,766 |
| Core capital (leverage) ratio | 8.7032% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6093% | 2,035 |
| Memoranda: | ||
| Average total assets | $209,916,000 | 2,790 |
| Average earning assets | $199,832,500 | 2,743 |
| Average equity | $18,299,500 | 3,346 |
| Average total loans | $154,637,500 | 2,595 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 2,220 |
| Cost of funding earning assets | 1.1000% | 1,326 |
| Net interest margin | 3.6357% | 3,011 |
| Noninterest income to average assets | 0.9601% | 1,055 |
| Noninterest expense to average assets | 3.7215% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5875% | 4,199 |
| Return on assets (ROA) | 0.5875% | 4,256 |
| Pretax return on assets | 0.6880% | 4,231 |
| Return on Equity (ROE) | 6.6513% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.4267% | 2,745 |
| Net charge-offs to loans | 0.0229% | 2,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 39.5143% | 1,326 |
| Efficiency ratio | 84.3976% | 633 |
| Assets per employee ($millions) | 3.8338% | 4,116 |
| Cash dividends to net income (ytd only)* | 33.4462% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 4,335 |
| Loan loss allowance to noncurrent loans | 201.4754% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 3,197 |
| Noncurrent loans to loans | 0.3920% | 3,030 |
| Net loans and leases to total assets | 74.5811% | 1,658 |
| Net loans and leases to deposits | 88.5450% | 1,764 |
| Net loans and leases to core deposits | 94.5118% | 2,020 |
| Total domestic deposits to total assets | 84.2296% | 2,776 |
| Equity capital to assets | 8.7742% | 4,796 |
| Core capital (leverage) ratio | 8.7756% | 4,682 |
| Tier 1 risk-based capital ratio | 13.5465% | 3,492 |
| Total risk-based capital ratio | 14.4623% | 3,568 |
| Memoranda: | ||
| Average total assets | $201,018,400 | 2,831 |
| Average earning assets | $190,720,200 | 2,792 |
| Average equity | $17,756,000 | 3,361 |
| Average total loans | $153,113,000 | 2,585 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 2,359 |
| Cost of funding earning assets | 1.0698% | 1,470 |
| Net interest margin | 3.6517% | 3,087 |
| Noninterest income to average assets | 1.0425% | 852 |
| Noninterest expense to average assets | 3.8318% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5533% | 4,398 |
| Return on assets (ROA) | 0.5533% | 4,452 |
| Pretax return on assets | 0.6709% | 4,410 |
| Return on Equity (ROE) | 6.2535% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.1281% | 2,831 |
| Net charge-offs to loans | 0.0236% | 2,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 37.1842% | 1,431 |
| Efficiency ratio | 85.0994% | 545 |
| Assets per employee ($millions) | 3.7313% | 4,241 |
| Cash dividends to net income (ytd only)* | 17.9951% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,407 |
| Loan loss allowance to noncurrent loans | 195.1104% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 3,307 |
| Noncurrent loans to loans | 0.4108% | 3,076 |
| Net loans and leases to total assets | 74.5976% | 1,701 |
| Net loans and leases to deposits | 88.5569% | 1,859 |
| Net loans and leases to core deposits | 94.4103% | 2,147 |
| Total domestic deposits to total assets | 84.2370% | 2,734 |
| Equity capital to assets | 8.8071% | 4,875 |
| Core capital (leverage) ratio | 8.8434% | 4,751 |
| Tier 1 risk-based capital ratio | 13.5584% | 3,536 |
| Total risk-based capital ratio | 14.4877% | 3,625 |
| Memoranda: | ||
| Average total assets | $199,516,250 | 2,866 |
| Average earning assets | $189,059,500 | 2,827 |
| Average equity | $17,653,750 | 3,392 |
| Average total loans | $152,483,250 | 2,621 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 2,392 |
| Cost of funding earning assets | 1.0109% | 1,644 |
| Net interest margin | 3.6792% | 2,991 |
| Noninterest income to average assets | 0.6751% | 1,811 |
| Noninterest expense to average assets | 3.4977% | 961 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5475% | 4,427 |
| Return on assets (ROA) | 0.5475% | 4,463 |
| Pretax return on assets | 0.6619% | 4,419 |
| Return on Equity (ROE) | 6.1780% | 3,990 |
| Retained earnings to average equity (ytd only) | 5.0703% | 2,734 |
| Net charge-offs to loans | -0.0053% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0876% | 647 |
| Assets per employee ($millions) | 3.6573% | 4,302 |
| Cash dividends to net income (ytd only)* | 17.9298% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8246% | 4,347 |
| Loan loss allowance to noncurrent loans | 279.2952% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 3,671 |
| Noncurrent loans to loans | 0.2953% | 3,475 |
| Net loans and leases to total assets | 75.8125% | 1,577 |
| Net loans and leases to deposits | 90.3214% | 1,702 |
| Net loans and leases to core deposits | 95.9263% | 2,078 |
| Total domestic deposits to total assets | 83.9363% | 2,896 |
| Equity capital to assets | 8.8671% | 4,867 |
| Core capital (leverage) ratio | 8.9444% | 4,678 |
| Tier 1 risk-based capital ratio | 13.4931% | 3,586 |
| Total risk-based capital ratio | 14.4537% | 3,640 |
| Memoranda: | ||
| Average total assets | $197,614,670 | 2,891 |
| Average earning assets | $187,162,330 | 2,857 |
| Average equity | $17,513,670 | 3,417 |
| Average total loans | $151,868,670 | 2,640 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 2,510 |
| Cost of funding earning assets | 0.9239% | 1,903 |
| Net interest margin | 3.6826% | 2,959 |
| Noninterest income to average assets | 0.5678% | 2,194 |
| Noninterest expense to average assets | 3.5640% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4126% | 4,705 |
| Return on assets (ROA) | 0.4126% | 4,717 |
| Pretax return on assets | 0.4963% | 4,695 |
| Return on Equity (ROE) | 4.6564% | 4,423 |
| Retained earnings to average equity (ytd only) | 3.6191% | 3,473 |
| Net charge-offs to loans | -0.0371% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7767% | 497 |
| Assets per employee ($millions) | 3.5969% | 4,466 |
| Cash dividends to net income (ytd only)* | 22.2772% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 4,352 |
| Loan loss allowance to noncurrent loans | 665.6250% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,326 |
| Noncurrent loans to loans | 0.1275% | 4,166 |
| Net loans and leases to total assets | 75.4725% | 1,571 |
| Net loans and leases to deposits | 89.7392% | 1,664 |
| Net loans and leases to core deposits | 95.5461% | 1,969 |
| Total domestic deposits to total assets | 84.1021% | 3,015 |
| Equity capital to assets | 8.8323% | 4,801 |
| Core capital (leverage) ratio | 9.0044% | 4,651 |
| Tier 1 risk-based capital ratio | 13.7976% | 3,452 |
| Total risk-based capital ratio | 14.8038% | 3,490 |
| Memoranda: | ||
| Average total assets | $195,847,500 | 2,945 |
| Average earning assets | $185,738,000 | 2,895 |
| Average equity | $17,352,500 | 3,443 |
| Average total loans | $150,921,000 | 2,678 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 2,268 |
| Cost of funding earning assets | 0.8020% | 1,516 |
| Net interest margin | 3.7553% | 2,839 |
| Noninterest income to average assets | 0.6945% | 1,871 |
| Noninterest expense to average assets | 3.2866% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8114% | 3,758 |
| Return on assets (ROA) | 0.8114% | 3,763 |
| Pretax return on assets | 0.9740% | 3,690 |
| Return on Equity (ROE) | 9.2768% | 2,845 |
| Retained earnings to average equity (ytd only) | 6.6443% | 1,843 |
| Net charge-offs to loans | 0.0151% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 84.4091% | 834 |
| Efficiency ratio | 77.1390% | 1,219 |
| Assets per employee ($millions) | 3.8013% | 4,175 |
| Cash dividends to net income (ytd only)* | 28.3775% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8357% | 4,414 |
| Loan loss allowance to noncurrent loans | 411.7264% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 4,033 |
| Noncurrent loans to loans | 0.2030% | 3,854 |
| Net loans and leases to total assets | 77.3697% | 1,380 |
| Net loans and leases to deposits | 94.0743% | 1,270 |
| Net loans and leases to core deposits | 99.6075% | 1,745 |
| Total domestic deposits to total assets | 82.2432% | 3,573 |
| Equity capital to assets | 8.8887% | 4,668 |
| Core capital (leverage) ratio | 9.0016% | 4,653 |
| Tier 1 risk-based capital ratio | 13.8816% | 3,340 |
| Total risk-based capital ratio | 14.8919% | 3,386 |
| Memoranda: | ||
| Average total assets | $190,650,200 | 2,957 |
| Average earning assets | $181,050,800 | 2,909 |
| Average equity | $16,676,000 | 3,440 |
| Average total loans | $146,071,600 | 2,693 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4990% | 2,306 |
| Cost of funding earning assets | 0.7710% | 1,476 |
| Net interest margin | 3.7279% | 2,904 |
| Noninterest income to average assets | 0.6939% | 1,887 |
| Noninterest expense to average assets | 3.2791% | 1,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8020% | 3,891 |
| Return on assets (ROA) | 0.8020% | 3,897 |
| Pretax return on assets | 0.9565% | 3,860 |
| Return on Equity (ROE) | 9.2074% | 2,999 |
| Retained earnings to average equity (ytd only) | 7.9416% | 1,682 |
| Net charge-offs to loans | 0.0304% | 2,487 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 41.2716% | 1,328 |
| Efficiency ratio | 77.4167% | 1,184 |
| Assets per employee ($millions) | 3.7557% | 4,229 |
| Cash dividends to net income (ytd only)* | 13.7479% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 4,488 |
| Loan loss allowance to noncurrent loans | 125,300.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 5,045 |
| Noncurrent loans to loans | 0.0007% | 4,952 |
| Net loans and leases to total assets | 76.9629% | 1,511 |
| Net loans and leases to deposits | 93.4059% | 1,448 |
| Net loans and leases to core deposits | 98.9256% | 1,874 |
| Total domestic deposits to total assets | 82.3961% | 3,489 |
| Equity capital to assets | 8.8633% | 4,667 |
| Core capital (leverage) ratio | 9.1005% | 4,612 |
| Tier 1 risk-based capital ratio | 14.0341% | 3,357 |
| Total risk-based capital ratio | 15.0538% | 3,373 |
| Memoranda: | ||
| Average total assets | $189,846,750 | 2,986 |
| Average earning assets | $180,362,750 | 2,942 |
| Average equity | $16,537,000 | 3,481 |
| Average total loans | $144,775,500 | 2,728 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 2,295 |
| Cost of funding earning assets | 0.7450% | 1,395 |
| Net interest margin | 3.6930% | 2,957 |
| Noninterest income to average assets | 0.7206% | 1,790 |
| Noninterest expense to average assets | 3.2164% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8580% | 3,638 |
| Return on assets (ROA) | 0.8580% | 3,631 |
| Pretax return on assets | 1.0133% | 3,625 |
| Return on Equity (ROE) | 9.9083% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.6270% | 1,346 |
| Net charge-offs to loans | 0.0307% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 43.5909% | 1,229 |
| Efficiency ratio | 76.0430% | 1,424 |
| Assets per employee ($millions) | 3.9670% | 3,953 |
| Cash dividends to net income (ytd only)* | 12.9310% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,428 |
| Loan loss allowance to noncurrent loans | 564.2857% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 4,406 |
| Noncurrent loans to loans | 0.1557% | 4,207 |
| Net loans and leases to total assets | 74.8863% | 1,807 |
| Net loans and leases to deposits | 88.3479% | 2,068 |
| Net loans and leases to core deposits | 92.5624% | 2,348 |
| Total domestic deposits to total assets | 84.7630% | 2,767 |
| Equity capital to assets | 8.7991% | 4,719 |
| Core capital (leverage) ratio | 8.8958% | 4,792 |
| Tier 1 risk-based capital ratio | 14.0546% | 3,333 |
| Total risk-based capital ratio | 15.1016% | 3,346 |
| Memoranda: | ||
| Average total assets | $189,281,330 | 3,010 |
| Average earning assets | $179,854,670 | 2,969 |
| Average equity | $16,390,330 | 3,515 |
| Average total loans | $143,477,330 | 2,755 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3290% | 2,422 |
| Cost of funding earning assets | 0.7319% | 1,277 |
| Net interest margin | 3.5971% | 3,192 |
| Noninterest income to average assets | 0.5871% | 2,329 |
| Noninterest expense to average assets | 3.3638% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5426% | 4,600 |
| Return on assets (ROA) | 0.5426% | 4,603 |
| Pretax return on assets | 0.6401% | 4,592 |
| Return on Equity (ROE) | 6.3179% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.0346% | 3,153 |
| Net charge-offs to loans | -0.0084% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0127% | 797 |
| Assets per employee ($millions) | 4.0476% | 3,898 |
| Cash dividends to net income (ytd only)* | 20.3125% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 4,450 |
| Loan loss allowance to noncurrent loans | 207.9032% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 3,529 |
| Noncurrent loans to loans | 0.4327% | 3,236 |
| Net loans and leases to total assets | 74.6461% | 1,764 |
| Net loans and leases to deposits | 87.9414% | 1,936 |
| Net loans and leases to core deposits | 92.4428% | 2,263 |
| Total domestic deposits to total assets | 84.8816% | 2,980 |
| Equity capital to assets | 8.5556% | 4,935 |
| Core capital (leverage) ratio | 8.7418% | 4,959 |
| Tier 1 risk-based capital ratio | 13.5570% | 3,627 |
| Total risk-based capital ratio | 14.6184% | 3,653 |
| Memoranda: | ||
| Average total assets | $188,713,000 | 3,048 |
| Average earning assets | $179,258,000 | 3,003 |
| Average equity | $16,208,000 | 3,559 |
| Average total loans | $143,285,500 | 2,772 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 2,026 |
| Cost of funding earning assets | 0.6374% | 1,370 |
| Net interest margin | 3.7609% | 2,558 |
| Noninterest income to average assets | 0.6561% | 2,158 |
| Noninterest expense to average assets | 3.1850% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6841% | 3,665 |
| Return on assets (ROA) | 0.6841% | 3,716 |
| Pretax return on assets | 1.0251% | 3,479 |
| Return on Equity (ROE) | 7.8597% | 2,860 |
| Retained earnings to average equity (ytd only) | 5.0968% | 2,066 |
| Net charge-offs to loans | 0.0363% | 3,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 37.3400% | 1,319 |
| Efficiency ratio | 75.6521% | 1,675 |
| Assets per employee ($millions) | 3.8201% | 4,253 |
| Cash dividends to net income (ytd only)* | 35.1525% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 4,480 |
| Loan loss allowance to noncurrent loans | 202.8391% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 3,508 |
| Noncurrent loans to loans | 0.4425% | 3,196 |
| Net loans and leases to total assets | 75.8546% | 1,625 |
| Net loans and leases to deposits | 89.6322% | 1,816 |
| Net loans and leases to core deposits | 94.1235% | 2,183 |
| Total domestic deposits to total assets | 84.6287% | 2,986 |
| Equity capital to assets | 8.6224% | 5,014 |
| Core capital (leverage) ratio | 8.8001% | 4,862 |
| Tier 1 risk-based capital ratio | 13.5915% | 3,576 |
| Total risk-based capital ratio | 14.6664% | 3,589 |
| Memoranda: | ||
| Average total assets | $182,133,400 | 3,089 |
| Average earning assets | $172,113,800 | 3,047 |
| Average equity | $15,853,000 | 3,616 |
| Average total loans | $137,884,600 | 2,811 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 2,011 |
| Cost of funding earning assets | 0.6242% | 1,386 |
| Net interest margin | 3.7567% | 2,551 |
| Noninterest income to average assets | 0.6583% | 2,171 |
| Noninterest expense to average assets | 3.2531% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6944% | 4,014 |
| Return on assets (ROA) | 0.6944% | 4,082 |
| Pretax return on assets | 0.9502% | 3,869 |
| Return on Equity (ROE) | 7.9586% | 3,142 |
| Retained earnings to average equity (ytd only) | 6.6068% | 1,906 |
| Net charge-offs to loans | 0.0478% | 2,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 26.3068% | 1,687 |
| Efficiency ratio | 77.3939% | 1,409 |
| Assets per employee ($millions) | 3.6329% | 4,541 |
| Cash dividends to net income (ytd only)* | 16.9853% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 4,495 |
| Loan loss allowance to noncurrent loans | 775.3012% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 4,778 |
| Noncurrent loans to loans | 0.1179% | 4,584 |
| Net loans and leases to total assets | 76.8019% | 1,452 |
| Net loans and leases to deposits | 89.9580% | 1,814 |
| Net loans and leases to core deposits | 94.2404% | 2,256 |
| Total domestic deposits to total assets | 85.3752% | 2,569 |
| Equity capital to assets | 8.9070% | 4,991 |
| Core capital (leverage) ratio | 8.8525% | 4,922 |
| Tier 1 risk-based capital ratio | 13.8341% | 3,516 |
| Total risk-based capital ratio | 14.9308% | 3,522 |
| Memoranda: | ||
| Average total assets | $180,870,000 | 3,130 |
| Average earning assets | $170,678,500 | 3,091 |
| Average equity | $15,781,250 | 3,661 |
| Average total loans | $136,536,750 | 2,845 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 2,027 |
| Cost of funding earning assets | 0.5941% | 1,487 |
| Net interest margin | 3.7382% | 2,521 |
| Noninterest income to average assets | 0.6589% | 2,173 |
| Noninterest expense to average assets | 3.2113% | 1,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7120% | 3,786 |
| Return on assets (ROA) | 0.7120% | 3,856 |
| Pretax return on assets | 0.9734% | 3,674 |
| Return on Equity (ROE) | 8.2180% | 2,903 |
| Retained earnings to average equity (ytd only) | 6.8632% | 1,659 |
| Net charge-offs to loans | 0.0429% | 2,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 30.3103% | 1,455 |
| Efficiency ratio | 76.7399% | 1,617 |
| Assets per employee ($millions) | 3.5551% | 4,640 |
| Cash dividends to net income (ytd only)* | 16.4852% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 4,445 |
| Loan loss allowance to noncurrent loans | 650.2488% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,743 |
| Noncurrent loans to loans | 0.1451% | 4,538 |
| Net loans and leases to total assets | 74.2186% | 1,827 |
| Net loans and leases to deposits | 86.9123% | 2,116 |
| Net loans and leases to core deposits | 90.9793% | 2,432 |
| Total domestic deposits to total assets | 85.3948% | 2,651 |
| Equity capital to assets | 8.6235% | 5,206 |
| Core capital (leverage) ratio | 8.7809% | 4,970 |
| Tier 1 risk-based capital ratio | 13.6636% | 3,614 |
| Total risk-based capital ratio | 14.7805% | 3,601 |
| Memoranda: | ||
| Average total assets | $180,612,000 | 3,147 |
| Average earning assets | $170,351,330 | 3,102 |
| Average equity | $15,648,670 | 3,685 |
| Average total loans | $135,118,000 | 2,869 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 1,902 |
| Cost of funding earning assets | 0.5879% | 1,457 |
| Net interest margin | 3.7322% | 2,376 |
| Noninterest income to average assets | 0.6320% | 2,259 |
| Noninterest expense to average assets | 3.3056% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6297% | 4,017 |
| Return on assets (ROA) | 0.6297% | 4,064 |
| Pretax return on assets | 0.8404% | 3,971 |
| Return on Equity (ROE) | 7.2507% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.8831% | 2,398 |
| Net charge-offs to loans | -0.0240% | 4,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7297% | 1,412 |
| Assets per employee ($millions) | 3.5306% | 4,746 |
| Cash dividends to net income (ytd only)* | 18.8612% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 4,276 |
| Loan loss allowance to noncurrent loans | 785.9649% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 4,715 |
| Noncurrent loans to loans | 0.1274% | 4,674 |
| Net loans and leases to total assets | 73.8219% | 1,773 |
| Net loans and leases to deposits | 83.3277% | 2,360 |
| Net loans and leases to core deposits | 87.1806% | 2,622 |
| Total domestic deposits to total assets | 88.5923% | 1,379 |
| Equity capital to assets | 8.6803% | 5,088 |
| Core capital (leverage) ratio | 8.7052% | 5,038 |
| Tier 1 risk-based capital ratio | 13.6149% | 3,709 |
| Total risk-based capital ratio | 14.7819% | 3,667 |
| Memoranda: | ||
| Average total assets | $178,485,000 | 3,206 |
| Average earning assets | $168,049,500 | 3,159 |
| Average equity | $15,502,000 | 3,725 |
| Average total loans | $133,421,000 | 2,914 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3856% | 1,865 |
| Cost of funding earning assets | 0.5831% | 1,467 |
| Net interest margin | 3.8025% | 2,310 |
| Noninterest income to average assets | 0.7263% | 2,048 |
| Noninterest expense to average assets | 3.3975% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6715% | 3,906 |
| Return on assets (ROA) | 0.6715% | 4,017 |
| Pretax return on assets | 0.9048% | 3,837 |
| Return on Equity (ROE) | 7.6349% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.0081% | 2,341 |
| Net charge-offs to loans | 0.0680% | 2,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 18.0349% | 1,996 |
| Efficiency ratio | 78.9695% | 1,559 |
| Assets per employee ($millions) | 3.6103% | 4,597 |
| Cash dividends to net income (ytd only)* | 34.4049% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 4,271 |
| Loan loss allowance to noncurrent loans | 1,452.1739% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 4,951 |
| Noncurrent loans to loans | 0.0694% | 4,960 |
| Net loans and leases to total assets | 74.1836% | 1,822 |
| Net loans and leases to deposits | 83.9744% | 2,421 |
| Net loans and leases to core deposits | 88.0802% | 2,669 |
| Total domestic deposits to total assets | 88.3408% | 1,469 |
| Equity capital to assets | 8.6904% | 5,111 |
| Core capital (leverage) ratio | 8.7498% | 5,025 |
| Tier 1 risk-based capital ratio | 13.5694% | 3,727 |
| Total risk-based capital ratio | 14.7426% | 3,674 |
| Memoranda: | ||
| Average total assets | $171,418,600 | 3,269 |
| Average earning assets | $161,208,200 | 3,220 |
| Average equity | $15,075,600 | 3,800 |
| Average total loans | $126,421,600 | 2,972 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3886% | 1,893 |
| Cost of funding earning assets | 0.5801% | 1,483 |
| Net interest margin | 3.8085% | 2,300 |
| Noninterest income to average assets | 0.7355% | 2,022 |
| Noninterest expense to average assets | 3.4680% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6351% | 4,152 |
| Return on assets (ROA) | 0.6351% | 4,276 |
| Pretax return on assets | 0.8452% | 4,171 |
| Return on Equity (ROE) | 7.1993% | 3,446 |
| Retained earnings to average equity (ytd only) | 5.8395% | 2,276 |
| Net charge-offs to loans | 0.0779% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 14.7673% | 2,223 |
| Efficiency ratio | 80.4036% | 1,391 |
| Assets per employee ($millions) | 3.5296% | 4,740 |
| Cash dividends to net income (ytd only)* | 18.8885% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 4,212 |
| Loan loss allowance to noncurrent loans | 984.6715% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 4,937 |
| Noncurrent loans to loans | 0.1051% | 4,920 |
| Net loans and leases to total assets | 74.5791% | 1,777 |
| Net loans and leases to deposits | 84.4246% | 2,440 |
| Net loans and leases to core deposits | 88.3119% | 2,728 |
| Total domestic deposits to total assets | 88.3381% | 1,217 |
| Equity capital to assets | 8.8824% | 5,255 |
| Core capital (leverage) ratio | 8.9005% | 4,942 |
| Tier 1 risk-based capital ratio | 13.7775% | 3,685 |
| Total risk-based capital ratio | 14.9881% | 3,630 |
| Memoranda: | ||
| Average total assets | $170,046,500 | 3,300 |
| Average earning assets | $159,742,250 | 3,257 |
| Average equity | $15,001,000 | 3,834 |
| Average total loans | $124,884,000 | 3,002 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 2,006 |
| Cost of funding earning assets | 0.5716% | 1,536 |
| Net interest margin | 3.7722% | 2,433 |
| Noninterest income to average assets | 0.7085% | 2,105 |
| Noninterest expense to average assets | 3.4741% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5808% | 4,352 |
| Return on assets (ROA) | 0.5808% | 4,476 |
| Pretax return on assets | 0.7783% | 4,356 |
| Return on Equity (ROE) | 6.5992% | 3,755 |
| Retained earnings to average equity (ytd only) | 5.1476% | 2,632 |
| Net charge-offs to loans | 0.0748% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.3043% | 2,065 |
| Efficiency ratio | 81.6968% | 1,308 |
| Assets per employee ($millions) | 3.4090% | 4,908 |
| Cash dividends to net income (ytd only)* | 21.9959% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 4,008 |
| Loan loss allowance to noncurrent loans | 640.0000% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 4,824 |
| Noncurrent loans to loans | 0.1700% | 4,756 |
| Net loans and leases to total assets | 73.3737% | 1,951 |
| Net loans and leases to deposits | 84.1377% | 2,449 |
| Net loans and leases to core deposits | 87.9593% | 2,731 |
| Total domestic deposits to total assets | 87.2067% | 1,803 |
| Equity capital to assets | 8.8555% | 5,354 |
| Core capital (leverage) ratio | 8.8407% | 5,008 |
| Tier 1 risk-based capital ratio | 13.7125% | 3,763 |
| Total risk-based capital ratio | 14.9628% | 3,689 |
| Memoranda: | ||
| Average total assets | $169,079,330 | 3,321 |
| Average earning assets | $158,845,330 | 3,285 |
| Average equity | $14,880,670 | 3,878 |
| Average total loans | $123,068,000 | 3,033 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,015 |
| Cost of funding earning assets | 0.5696% | 1,544 |
| Net interest margin | 3.7643% | 2,425 |
| Noninterest income to average assets | 0.6556% | 2,236 |
| Noninterest expense to average assets | 3.4087% | 1,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5867% | 4,238 |
| Return on assets (ROA) | 0.5867% | 4,354 |
| Pretax return on assets | 0.7791% | 4,271 |
| Return on Equity (ROE) | 6.6874% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.2254% | 2,800 |
| Net charge-offs to loans | 0.0099% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 109.3333% | 507 |
| Efficiency ratio | 81.3953% | 1,441 |
| Assets per employee ($millions) | 3.3841% | 5,000 |
| Cash dividends to net income (ytd only)* | 21.8623% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 3,613 |
| Loan loss allowance to noncurrent loans | 462.2150% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 4,836 |
| Noncurrent loans to loans | 0.2550% | 4,520 |
| Net loans and leases to total assets | 70.3063% | 2,289 |
| Net loans and leases to deposits | 80.2933% | 2,753 |
| Net loans and leases to core deposits | 83.9486% | 2,943 |
| Total domestic deposits to total assets | 87.5618% | 1,886 |
| Equity capital to assets | 8.7947% | 5,345 |
| Core capital (leverage) ratio | 8.8680% | 5,001 |
| Tier 1 risk-based capital ratio | 14.0481% | 3,661 |
| Total risk-based capital ratio | 15.2991% | 3,589 |
| Memoranda: | ||
| Average total assets | $168,395,000 | 3,353 |
| Average earning assets | $158,012,000 | 3,309 |
| Average equity | $14,774,000 | 3,897 |
| Average total loans | $121,382,000 | 3,064 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,494 |
| Cost of funding earning assets | 0.5784% | 1,511 |
| Net interest margin | 3.9588% | 1,847 |
| Noninterest income to average assets | 0.6290% | 2,565 |
| Noninterest expense to average assets | 3.5206% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6327% | 4,123 |
| Return on assets (ROA) | 0.6327% | 4,213 |
| Pretax return on assets | 0.8496% | 4,024 |
| Return on Equity (ROE) | 7.0482% | 3,488 |
| Retained earnings to average equity (ytd only) | 3.2721% | 3,724 |
| Net charge-offs to loans | -0.0715% | 5,675 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5587% | 1,601 |
| Assets per employee ($millions) | 3.4201% | 4,949 |
| Cash dividends to net income (ytd only)* | 53.5749% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 3,691 |
| Loan loss allowance to noncurrent loans | 686.9565% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 5,101 |
| Noncurrent loans to loans | 0.1691% | 4,813 |
| Net loans and leases to total assets | 72.1791% | 2,020 |
| Net loans and leases to deposits | 82.8791% | 2,489 |
| Net loans and leases to core deposits | 86.8281% | 2,713 |
| Total domestic deposits to total assets | 87.0896% | 2,081 |
| Equity capital to assets | 8.7519% | 5,347 |
| Core capital (leverage) ratio | 8.8434% | 5,061 |
| Tier 1 risk-based capital ratio | 13.6528% | 3,912 |
| Total risk-based capital ratio | 14.9041% | 3,845 |
| Memoranda: | ||
| Average total assets | $161,363,800 | 3,408 |
| Average earning assets | $152,495,000 | 3,364 |
| Average equity | $14,486,000 | 3,911 |
| Average total loans | $120,311,200 | 3,046 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 1,940 |
| Cost of funding earning assets | 0.5749% | 1,581 |
| Net interest margin | 3.8180% | 2,313 |
| Noninterest income to average assets | 0.6733% | 2,366 |
| Noninterest expense to average assets | 3.5024% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5924% | 4,420 |
| Return on assets (ROA) | 0.5924% | 4,522 |
| Pretax return on assets | 0.7834% | 4,388 |
| Return on Equity (ROE) | 6.5553% | 3,870 |
| Retained earnings to average equity (ytd only) | 5.0227% | 2,901 |
| Net charge-offs to loans | 0.0156% | 3,643 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 67.0578% | 839 |
| Efficiency ratio | 81.7208% | 1,433 |
| Assets per employee ($millions) | 3.1458% | 5,368 |
| Cash dividends to net income (ytd only)* | 23.3806% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 4,334 |
| Loan loss allowance to noncurrent loans | 113.8674% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 3,094 |
| Noncurrent loans to loans | 0.9494% | 2,604 |
| Net loans and leases to total assets | 75.3998% | 1,477 |
| Net loans and leases to deposits | 87.2585% | 1,999 |
| Net loans and leases to core deposits | 90.7379% | 2,380 |
| Total domestic deposits to total assets | 86.4097% | 2,323 |
| Equity capital to assets | 9.2017% | 5,108 |
| Core capital (leverage) ratio | 9.1809% | 4,755 |
| Tier 1 risk-based capital ratio | 13.9908% | 3,853 |
| Total risk-based capital ratio | 15.2405% | 3,795 |
| Memoranda: | ||
| Average total assets | $159,808,250 | 3,462 |
| Average earning assets | $151,208,500 | 3,410 |
| Average equity | $14,440,750 | 3,958 |
| Average total loans | $119,793,000 | 3,076 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 1,932 |
| Cost of funding earning assets | 0.5766% | 1,598 |
| Net interest margin | 3.7987% | 2,315 |
| Noninterest income to average assets | 0.6479% | 2,486 |
| Noninterest expense to average assets | 3.5677% | 1,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5363% | 4,627 |
| Return on assets (ROA) | 0.5363% | 4,735 |
| Pretax return on assets | 0.6717% | 4,750 |
| Return on Equity (ROE) | 5.9721% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.4372% | 3,186 |
| Net charge-offs to loans | 0.0017% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 536.0000% | 123 |
| Efficiency ratio | 84.1561% | 1,247 |
| Assets per employee ($millions) | 3.2646% | 5,223 |
| Cash dividends to net income (ytd only)* | 25.7009% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1190% | 4,229 |
| Loan loss allowance to noncurrent loans | 113.8107% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7333% | 3,182 |
| Noncurrent loans to loans | 0.9832% | 2,673 |
| Net loans and leases to total assets | 73.7478% | 1,700 |
| Net loans and leases to deposits | 85.8651% | 2,070 |
| Net loans and leases to core deposits | 89.2934% | 2,419 |
| Total domestic deposits to total assets | 85.8881% | 2,751 |
| Equity capital to assets | 9.0677% | 5,171 |
| Core capital (leverage) ratio | 8.9898% | 4,986 |
| Tier 1 risk-based capital ratio | 14.3960% | 3,700 |
| Total risk-based capital ratio | 15.6465% | 3,616 |
| Memoranda: | ||
| Average total assets | $159,598,330 | 3,491 |
| Average earning assets | $150,892,670 | 3,440 |
| Average equity | $14,333,330 | 3,992 |
| Average total loans | $118,960,000 | 3,101 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 1,839 |
| Cost of funding earning assets | 0.5750% | 1,616 |
| Net interest margin | 3.8053% | 2,213 |
| Noninterest income to average assets | 0.6198% | 2,545 |
| Noninterest expense to average assets | 3.5404% | 1,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5294% | 4,546 |
| Return on assets (ROA) | 0.5294% | 4,663 |
| Pretax return on assets | 0.6825% | 4,647 |
| Return on Equity (ROE) | 5.9238% | 4,068 |
| Retained earnings to average equity (ytd only) | 4.3797% | 3,393 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8384% | 1,400 |
| Assets per employee ($millions) | 3.2282% | 5,363 |
| Cash dividends to net income (ytd only)* | 26.0664% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 4,409 |
| Loan loss allowance to noncurrent loans | 145.3754% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 3,773 |
| Noncurrent loans to loans | 0.7722% | 3,323 |
| Net loans and leases to total assets | 72.9038% | 1,672 |
| Net loans and leases to deposits | 84.6326% | 1,993 |
| Net loans and leases to core deposits | 87.5994% | 2,366 |
| Total domestic deposits to total assets | 86.1415% | 2,864 |
| Equity capital to assets | 8.8985% | 5,393 |
| Core capital (leverage) ratio | 8.9511% | 5,011 |
| Tier 1 risk-based capital ratio | 13.5455% | 4,302 |
| Total risk-based capital ratio | 14.7956% | 4,216 |
| Memoranda: | ||
| Average total assets | $159,415,500 | 3,516 |
| Average earning assets | $150,946,000 | 3,449 |
| Average equity | $14,247,500 | 4,035 |
| Average total loans | $118,787,500 | 3,110 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5006% | 1,862 |
| Cost of funding earning assets | 0.6344% | 1,518 |
| Net interest margin | 3.8662% | 2,375 |
| Noninterest income to average assets | 0.6524% | 2,537 |
| Noninterest expense to average assets | 3.4903% | 1,506 |
| Loan and lease loss provision to assets | 0.0064% | 4,500 |
| Net operating income to assets | 0.6122% | 4,315 |
| Return on assets (ROA) | 0.6122% | 4,417 |
| Pretax return on assets | 0.7972% | 4,268 |
| Return on Equity (ROE) | 6.9258% | 3,677 |
| Retained earnings to average equity (ytd only) | 3.8597% | 3,475 |
| Net charge-offs to loans | 0.1191% | 2,848 |
| Credit loss provision to net charge-offs | 7.3529% | 4,133 |
| Earnings coverage of net charge-offs (x) | 9.2647% | 2,772 |
| Efficiency ratio | 81.2862% | 1,737 |
| Assets per employee ($millions) | 3.2127% | 5,413 |
| Cash dividends to net income (ytd only)* | 44.2708% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 4,405 |
| Loan loss allowance to noncurrent loans | 144.7454% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 3,617 |
| Noncurrent loans to loans | 0.7785% | 3,366 |
| Net loans and leases to total assets | 74.4685% | 1,502 |
| Net loans and leases to deposits | 88.1322% | 1,722 |
| Net loans and leases to core deposits | 90.5712% | 2,228 |
| Total domestic deposits to total assets | 84.4964% | 3,507 |
| Equity capital to assets | 8.9772% | 5,317 |
| Core capital (leverage) ratio | 9.0171% | 4,972 |
| Tier 1 risk-based capital ratio | 13.3493% | 4,510 |
| Total risk-based capital ratio | 14.5995% | 4,440 |
| Memoranda: | ||
| Average total assets | $156,804,600 | 3,537 |
| Average earning assets | $147,691,600 | 3,480 |
| Average equity | $13,861,200 | 4,050 |
| Average total loans | $114,206,000 | 3,136 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 1,895 |
| Cost of funding earning assets | 0.6444% | 1,495 |
| Net interest margin | 3.8492% | 2,434 |
| Noninterest income to average assets | 0.6860% | 2,400 |
| Noninterest expense to average assets | 3.4564% | 1,556 |
| Loan and lease loss provision to assets | 0.0043% | 4,329 |
| Net operating income to assets | 0.6452% | 4,235 |
| Return on assets (ROA) | 0.6452% | 4,334 |
| Pretax return on assets | 0.8452% | 4,203 |
| Return on Equity (ROE) | 7.3269% | 3,541 |
| Retained earnings to average equity (ytd only) | 5.6933% | 2,612 |
| Net charge-offs to loans | 0.0318% | 3,850 |
| Credit loss provision to net charge-offs | 18.5185% | 3,593 |
| Earnings coverage of net charge-offs (x) | 36.9619% | 1,192 |
| Efficiency ratio | 80.2728% | 1,872 |
| Assets per employee ($millions) | 3.1459% | 5,522 |
| Cash dividends to net income (ytd only)* | 22.2958% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 4,048 |
| Loan loss allowance to noncurrent loans | 129.6130% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 3,193 |
| Noncurrent loans to loans | 0.9527% | 3,176 |
| Net loans and leases to total assets | 73.2232% | 1,642 |
| Net loans and leases to deposits | 88.1109% | 1,656 |
| Net loans and leases to core deposits | 90.5920% | 2,167 |
| Total domestic deposits to total assets | 83.1035% | 4,103 |
| Equity capital to assets | 8.9979% | 5,354 |
| Core capital (leverage) ratio | 9.0720% | 4,964 |
| Tier 1 risk-based capital ratio | 13.5425% | 4,512 |
| Total risk-based capital ratio | 14.7938% | 4,454 |
| Memoranda: | ||
| Average total assets | $156,650,500 | 3,569 |
| Average earning assets | $147,317,500 | 3,515 |
| Average equity | $13,793,500 | 4,079 |
| Average total loans | $113,116,250 | 3,179 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 2,022 |
| Cost of funding earning assets | 0.6537% | 1,484 |
| Net interest margin | 3.7887% | 2,606 |
| Noninterest income to average assets | 0.6776% | 2,390 |
| Noninterest expense to average assets | 3.4941% | 1,484 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5817% | 4,442 |
| Return on assets (ROA) | 0.5817% | 4,545 |
| Pretax return on assets | 0.7479% | 4,468 |
| Return on Equity (ROE) | 6.6551% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.0023% | 2,957 |
| Net charge-offs to loans | 0.0286% | 3,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 36.5625% | 1,122 |
| Efficiency ratio | 82.3689% | 1,706 |
| Assets per employee ($millions) | 3.1401% | 5,528 |
| Cash dividends to net income (ytd only)* | 24.8352% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,042 |
| Loan loss allowance to noncurrent loans | 128.6477% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 3,251 |
| Noncurrent loans to loans | 0.9848% | 3,262 |
| Net loans and leases to total assets | 71.7756% | 1,783 |
| Net loans and leases to deposits | 84.7805% | 1,957 |
| Net loans and leases to core deposits | 87.1245% | 2,407 |
| Total domestic deposits to total assets | 84.6605% | 3,655 |
| Equity capital to assets | 8.8576% | 5,462 |
| Core capital (leverage) ratio | 8.8954% | 5,166 |
| Tier 1 risk-based capital ratio | 13.4427% | 4,621 |
| Total risk-based capital ratio | 14.6940% | 4,561 |
| Memoranda: | ||
| Average total assets | $156,436,330 | 3,587 |
| Average earning assets | $147,173,000 | 3,533 |
| Average equity | $13,673,670 | 4,106 |
| Average total loans | $111,950,000 | 3,201 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 2,128 |
| Cost of funding earning assets | 0.6694% | 1,444 |
| Net interest margin | 3.7335% | 2,731 |
| Noninterest income to average assets | 0.6635% | 2,378 |
| Noninterest expense to average assets | 3.3429% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6507% | 3,951 |
| Return on assets (ROA) | 0.6507% | 4,046 |
| Pretax return on assets | 0.8351% | 3,958 |
| Return on Equity (ROE) | 7.4943% | 3,208 |
| Retained earnings to average equity (ytd only) | 5.8125% | 2,640 |
| Net charge-offs to loans | -0.0180% | 5,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0123% | 2,207 |
| Assets per employee ($millions) | 3.3403% | 5,274 |
| Cash dividends to net income (ytd only)* | 22.4409% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 4,112 |
| Loan loss allowance to noncurrent loans | 140.1146% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8426% | 3,620 |
| Noncurrent loans to loans | 0.9294% | 3,563 |
| Net loans and leases to total assets | 69.3431% | 2,006 |
| Net loans and leases to deposits | 83.2599% | 1,915 |
| Net loans and leases to core deposits | 85.2139% | 2,399 |
| Total domestic deposits to total assets | 83.2851% | 4,504 |
| Equity capital to assets | 8.5414% | 5,613 |
| Core capital (leverage) ratio | 8.8327% | 5,226 |
| Tier 1 risk-based capital ratio | 13.2768% | 4,837 |
| Total risk-based capital ratio | 14.5286% | 4,769 |
| Memoranda: | ||
| Average total assets | $156,151,500 | 3,623 |
| Average earning assets | $146,993,500 | 3,565 |
| Average equity | $13,557,000 | 4,141 |
| Average total loans | $110,856,000 | 3,248 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 1,624 |
| Cost of funding earning assets | 0.8416% | 986 |
| Net interest margin | 3.8377% | 2,511 |
| Noninterest income to average assets | 0.6718% | 2,695 |
| Noninterest expense to average assets | 3.3284% | 2,054 |
| Loan and lease loss provision to assets | 0.0531% | 4,077 |
| Net operating income to assets | 0.6824% | 3,888 |
| Return on assets (ROA) | 0.6824% | 3,981 |
| Pretax return on assets | 0.8895% | 3,806 |
| Return on Equity (ROE) | 7.7292% | 3,183 |
| Retained earnings to average equity (ytd only) | 4.5187% | 2,957 |
| Net charge-offs to loans | 0.0689% | 4,241 |
| Credit loss provision to net charge-offs | 109.5890% | 2,197 |
| Earnings coverage of net charge-offs (x) | 19.4521% | 1,603 |
| Efficiency ratio | 77.9297% | 2,480 |
| Assets per employee ($millions) | 3.3036% | 5,284 |
| Cash dividends to net income (ytd only)* | 41.5370% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 3,932 |
| Loan loss allowance to noncurrent loans | 145.3280% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 3,735 |
| Noncurrent loans to loans | 0.9224% | 3,684 |
| Net loans and leases to total assets | 70.8055% | 1,879 |
| Net loans and leases to deposits | 86.0519% | 1,680 |
| Net loans and leases to core deposits | 88.2026% | 2,229 |
| Total domestic deposits to total assets | 82.2823% | 4,771 |
| Equity capital to assets | 8.8302% | 5,222 |
| Core capital (leverage) ratio | 9.0109% | 4,981 |
| Tier 1 risk-based capital ratio | 13.5373% | 4,625 |
| Total risk-based capital ratio | 14.7894% | 4,571 |
| Memoranda: | ||
| Average total assets | $150,643,000 | 3,696 |
| Average earning assets | $141,281,000 | 3,648 |
| Average equity | $13,300,200 | 4,204 |
| Average total loans | $105,905,600 | 3,329 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 1,667 |
| Cost of funding earning assets | 0.8689% | 952 |
| Net interest margin | 3.8042% | 2,626 |
| Noninterest income to average assets | 0.6528% | 2,872 |
| Noninterest expense to average assets | 3.2518% | 2,198 |
| Loan and lease loss provision to assets | 0.0488% | 4,038 |
| Net operating income to assets | 0.7052% | 3,832 |
| Return on assets (ROA) | 0.7052% | 3,968 |
| Pretax return on assets | 0.9172% | 3,802 |
| Return on Equity (ROE) | 7.9874% | 3,127 |
| Retained earnings to average equity (ytd only) | 6.2794% | 2,246 |
| Net charge-offs to loans | 0.0647% | 3,991 |
| Credit loss provision to net charge-offs | 107.8431% | 2,176 |
| Earnings coverage of net charge-offs (x) | 21.3524% | 1,552 |
| Efficiency ratio | 77.0978% | 2,544 |
| Assets per employee ($millions) | 3.3781% | 5,110 |
| Cash dividends to net income (ytd only)* | 21.3836% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 4,111 |
| Loan loss allowance to noncurrent loans | 140.9662% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 3,770 |
| Noncurrent loans to loans | 0.9603% | 3,894 |
| Net loans and leases to total assets | 69.9396% | 1,982 |
| Net loans and leases to deposits | 84.6232% | 1,789 |
| Net loans and leases to core deposits | 86.5155% | 2,348 |
| Total domestic deposits to total assets | 82.6483% | 4,702 |
| Equity capital to assets | 8.8794% | 5,319 |
| Core capital (leverage) ratio | 9.0164% | 5,101 |
| Tier 1 risk-based capital ratio | 13.5432% | 4,728 |
| Total risk-based capital ratio | 14.7957% | 4,684 |
| Memoranda: | ||
| Average total assets | $150,312,000 | 3,733 |
| Average earning assets | $140,856,750 | 3,689 |
| Average equity | $13,270,500 | 4,258 |
| Average total loans | $105,116,250 | 3,364 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 1,657 |
| Cost of funding earning assets | 0.8925% | 935 |
| Net interest margin | 3.7755% | 2,655 |
| Noninterest income to average assets | 0.6398% | 2,968 |
| Noninterest expense to average assets | 3.2656% | 2,172 |
| Loan and lease loss provision to assets | 0.0735% | 3,571 |
| Net operating income to assets | 0.6504% | 4,058 |
| Return on assets (ROA) | 0.6504% | 4,220 |
| Pretax return on assets | 0.8321% | 4,189 |
| Return on Equity (ROE) | 7.3818% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.6690% | 2,632 |
| Net charge-offs to loans | 0.0844% | 3,522 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 15.4091% | 1,744 |
| Efficiency ratio | 78.2901% | 2,409 |
| Assets per employee ($millions) | 3.2637% | 5,346 |
| Cash dividends to net income (ytd only)* | 23.2033% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 4,016 |
| Loan loss allowance to noncurrent loans | 788.1720% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 5,291 |
| Noncurrent loans to loans | 0.1782% | 5,873 |
| Net loans and leases to total assets | 68.5677% | 2,134 |
| Net loans and leases to deposits | 80.7778% | 2,213 |
| Net loans and leases to core deposits | 82.5812% | 2,745 |
| Total domestic deposits to total assets | 84.8843% | 3,953 |
| Equity capital to assets | 8.8184% | 5,425 |
| Core capital (leverage) ratio | 8.9431% | 5,084 |
| Tier 1 risk-based capital ratio | 13.5707% | 4,728 |
| Total risk-based capital ratio | 14.8240% | 4,687 |
| Memoranda: | ||
| Average total assets | $149,744,670 | 3,778 |
| Average earning assets | $140,059,330 | 3,722 |
| Average equity | $13,194,670 | 4,300 |
| Average total loans | $104,229,330 | 3,396 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7211% | 1,474 |
| Cost of funding earning assets | 0.9179% | 902 |
| Net interest margin | 3.8032% | 2,439 |
| Noninterest income to average assets | 0.5938% | 3,174 |
| Noninterest expense to average assets | 3.3406% | 1,985 |
| Loan and lease loss provision to assets | 0.0401% | 3,926 |
| Net operating income to assets | 0.6152% | 4,140 |
| Return on assets (ROA) | 0.6152% | 4,301 |
| Pretax return on assets | 0.7703% | 4,294 |
| Return on Equity (ROE) | 6.9842% | 3,492 |
| Retained earnings to average equity (ytd only) | 5.2534% | 3,079 |
| Net charge-offs to loans | 0.0192% | 3,773 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 60.6000% | 590 |
| Efficiency ratio | 80.4768% | 2,256 |
| Assets per employee ($millions) | 3.2329% | 5,563 |
| Cash dividends to net income (ytd only)* | 24.7826% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 4,164 |
| Loan loss allowance to noncurrent loans | 217.6820% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 4,594 |
| Noncurrent loans to loans | 0.6499% | 4,824 |
| Net loans and leases to total assets | 67.1888% | 2,161 |
| Net loans and leases to deposits | 79.1352% | 2,192 |
| Net loans and leases to core deposits | 81.0354% | 2,689 |
| Total domestic deposits to total assets | 84.9037% | 4,088 |
| Equity capital to assets | 8.7236% | 5,789 |
| Core capital (leverage) ratio | 8.8279% | 5,141 |
| Tier 1 risk-based capital ratio | 13.2926% | 5,019 |
| Total risk-based capital ratio | 14.5458% | 4,968 |
| Memoranda: | ||
| Average total assets | $149,552,500 | 3,818 |
| Average earning assets | $139,882,500 | 3,768 |
| Average equity | $13,172,500 | 4,355 |
| Average total loans | $104,141,000 | 3,415 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0663% | 1,387 |
| Cost of funding earning assets | 1.0573% | 1,085 |
| Net interest margin | 4.0090% | 2,360 |
| Noninterest income to average assets | 0.7162% | 2,633 |
| Noninterest expense to average assets | 3.6328% | 1,538 |
| Loan and lease loss provision to assets | 0.1210% | 4,101 |
| Net operating income to assets | 0.5503% | 4,477 |
| Return on assets (ROA) | 0.5503% | 4,733 |
| Pretax return on assets | 0.6872% | 4,707 |
| Return on Equity (ROE) | 6.0855% | 4,126 |
| Retained earnings to average equity (ytd only) | 1.8731% | 4,898 |
| Net charge-offs to loans | 0.0907% | 4,765 |
| Credit loss provision to net charge-offs | 190.2174% | 1,375 |
| Earnings coverage of net charge-offs (x) | 12.7065% | 1,900 |
| Efficiency ratio | 81.8026% | 1,894 |
| Assets per employee ($millions) | 3.1311% | 5,779 |
| Cash dividends to net income (ytd only)* | 69.2211% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 4,217 |
| Loan loss allowance to noncurrent loans | 210.5644% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7482% | 4,601 |
| Noncurrent loans to loans | 0.6598% | 4,882 |
| Net loans and leases to total assets | 70.1767% | 1,814 |
| Net loans and leases to deposits | 83.1591% | 1,862 |
| Net loans and leases to core deposits | 85.7541% | 2,348 |
| Total domestic deposits to total assets | 84.3884% | 4,133 |
| Equity capital to assets | 8.8951% | 5,640 |
| Core capital (leverage) ratio | 8.8492% | 5,100 |
| Tier 1 risk-based capital ratio | 13.1704% | 4,982 |
| Total risk-based capital ratio | 14.4233% | 4,922 |
| Memoranda: | ||
| Average total assets | $144,653,400 | 3,869 |
| Average earning assets | $134,398,200 | 3,817 |
| Average equity | $13,080,200 | 4,344 |
| Average total loans | $101,380,000 | 3,484 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 1,351 |
| Cost of funding earning assets | 1.0784% | 1,153 |
| Net interest margin | 4.0523% | 2,282 |
| Noninterest income to average assets | 0.7165% | 2,633 |
| Noninterest expense to average assets | 3.5409% | 1,668 |
| Loan and lease loss provision to assets | 0.1620% | 3,484 |
| Net operating income to assets | 0.6054% | 4,370 |
| Return on assets (ROA) | 0.6054% | 4,632 |
| Pretax return on assets | 0.7739% | 4,582 |
| Return on Equity (ROE) | 6.6677% | 3,981 |
| Retained earnings to average equity (ytd only) | 4.9141% | 3,428 |
| Net charge-offs to loans | 0.1445% | 3,954 |
| Credit loss provision to net charge-offs | 160.5505% | 1,734 |
| Earnings coverage of net charge-offs (x) | 9.2752% | 2,343 |
| Efficiency ratio | 79.0943% | 2,225 |
| Assets per employee ($millions) | 2.9804% | 6,081 |
| Cash dividends to net income (ytd only)* | 26.2999% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 4,411 |
| Loan loss allowance to noncurrent loans | 268.2836% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6854% | 4,977 |
| Noncurrent loans to loans | 0.5189% | 5,405 |
| Net loans and leases to total assets | 69.7473% | 1,961 |
| Net loans and leases to deposits | 84.1852% | 1,847 |
| Net loans and leases to core deposits | 86.8385% | 2,360 |
| Total domestic deposits to total assets | 82.8499% | 4,705 |
| Equity capital to assets | 9.1276% | 5,677 |
| Core capital (leverage) ratio | 9.1470% | 4,834 |
| Tier 1 risk-based capital ratio | 13.7368% | 4,735 |
| Total risk-based capital ratio | 14.9894% | 4,685 |
| Memoranda: | ||
| Average total assets | $144,026,750 | 3,919 |
| Average earning assets | $133,649,000 | 3,877 |
| Average equity | $13,077,750 | 4,381 |
| Average total loans | $100,543,250 | 3,545 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 1,248 |
| Cost of funding earning assets | 1.0851% | 1,286 |
| Net interest margin | 4.1160% | 2,027 |
| Noninterest income to average assets | 0.6878% | 2,729 |
| Noninterest expense to average assets | 3.6622% | 1,440 |
| Loan and lease loss provision to assets | 0.1744% | 3,360 |
| Net operating income to assets | 0.5385% | 4,634 |
| Return on assets (ROA) | 0.5385% | 4,914 |
| Pretax return on assets | 0.6613% | 4,942 |
| Return on Equity (ROE) | 5.9414% | 4,354 |
| Retained earnings to average equity (ytd only) | 4.1867% | 3,824 |
| Net charge-offs to loans | 0.1465% | 3,743 |
| Credit loss provision to net charge-offs | 171.2329% | 1,638 |
| Earnings coverage of net charge-offs (x) | 8.2055% | 2,344 |
| Efficiency ratio | 81.4206% | 1,973 |
| Assets per employee ($millions) | 2.9785% | 6,105 |
| Cash dividends to net income (ytd only)* | 29.5337% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 4,431 |
| Loan loss allowance to noncurrent loans | 995.8042% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 5,237 |
| Noncurrent loans to loans | 0.1414% | 6,309 |
| Net loans and leases to total assets | 68.3107% | 2,232 |
| Net loans and leases to deposits | 81.7509% | 2,147 |
| Net loans and leases to core deposits | 84.1182% | 2,676 |
| Total domestic deposits to total assets | 83.5596% | 4,506 |
| Equity capital to assets | 8.9979% | 5,705 |
| Core capital (leverage) ratio | 8.8159% | 5,196 |
| Tier 1 risk-based capital ratio | 13.5962% | 4,746 |
| Total risk-based capital ratio | 14.8487% | 4,712 |
| Memoranda: | ||
| Average total assets | $143,355,670 | 3,944 |
| Average earning assets | $132,701,330 | 3,909 |
| Average equity | $12,993,670 | 4,394 |
| Average total loans | $99,625,330 | 3,583 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0394% | 1,755 |
| Cost of funding earning assets | 1.0766% | 1,513 |
| Net interest margin | 3.9628% | 2,658 |
| Noninterest income to average assets | 0.4815% | 4,048 |
| Noninterest expense to average assets | 3.3056% | 2,266 |
| Loan and lease loss provision to assets | 0.2112% | 2,840 |
| Net operating income to assets | 0.5237% | 4,721 |
| Return on assets (ROA) | 0.5237% | 4,930 |
| Pretax return on assets | 0.6335% | 4,998 |
| Return on Equity (ROE) | 5.7565% | 4,424 |
| Retained earnings to average equity (ytd only) | 3.9924% | 4,190 |
| Net charge-offs to loans | 0.0647% | 3,846 |
| Credit loss provision to net charge-offs | 468.7500% | 683 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,250 |
| Efficiency ratio | 79.6472% | 2,248 |
| Assets per employee ($millions) | 3.2032% | 5,766 |
| Cash dividends to net income (ytd only)* | 30.6452% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 4,358 |
| Loan loss allowance to noncurrent loans | 168.3529% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 4,744 |
| Noncurrent loans to loans | 0.8633% | 4,943 |
| Net loans and leases to total assets | 65.8504% | 2,494 |
| Net loans and leases to deposits | 78.6410% | 2,392 |
| Net loans and leases to core deposits | 80.8816% | 2,961 |
| Total domestic deposits to total assets | 83.7356% | 4,620 |
| Equity capital to assets | 8.8133% | 5,737 |
| Core capital (leverage) ratio | 9.1428% | 4,619 |
| Tier 1 risk-based capital ratio | 13.8339% | 4,585 |
| Total risk-based capital ratio | 15.0872% | 4,556 |
| Memoranda: | ||
| Average total assets | $142,061,000 | 4,000 |
| Average earning assets | $131,523,500 | 3,953 |
| Average equity | $12,924,500 | 4,417 |
| Average total loans | $98,878,000 | 3,627 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 2,085 |
| Cost of funding earning assets | 1.2253% | 1,871 |
| Net interest margin | 3.9681% | 3,026 |
| Noninterest income to average assets | 0.6919% | 2,652 |
| Noninterest expense to average assets | 3.5928% | 1,760 |
| Loan and lease loss provision to assets | 0.2037% | 4,147 |
| Net operating income to assets | 0.4778% | 4,514 |
| Return on assets (ROA) | 0.4778% | 4,720 |
| Pretax return on assets | 0.5563% | 4,814 |
| Return on Equity (ROE) | 5.0583% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.2624% | 3,900 |
| Net charge-offs to loans | 0.0351% | 5,961 |
| Credit loss provision to net charge-offs | 808.8235% | 272 |
| Earnings coverage of net charge-offs (x) | 30.1765% | 840 |
| Efficiency ratio | 82.5391% | 1,948 |
| Assets per employee ($millions) | 3.0395% | 6,009 |
| Cash dividends to net income (ytd only)* | 35.5039% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,550 |
| Loan loss allowance to noncurrent loans | 158.6127% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 1.3709% | 3,949 |
| Noncurrent loans to loans | 0.8711% | 4,945 |
| Net loans and leases to total assets | 71.5952% | 1,715 |
| Net loans and leases to deposits | 86.7130% | 1,575 |
| Net loans and leases to core deposits | 89.3990% | 2,213 |
| Total domestic deposits to total assets | 82.5657% | 4,943 |
| Equity capital to assets | 9.4044% | 5,014 |
| Core capital (leverage) ratio | 9.2071% | 4,452 |
| Tier 1 risk-based capital ratio | 13.9270% | 4,375 |
| Total risk-based capital ratio | 15.1797% | 4,336 |
| Memoranda: | ||
| Average total assets | $134,993,000 | 4,075 |
| Average earning assets | $124,542,600 | 4,048 |
| Average equity | $12,751,200 | 4,382 |
| Average total loans | $96,827,800 | 3,705 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 2,255 |
| Cost of funding earning assets | 1.2387% | 2,072 |
| Net interest margin | 3.9483% | 3,161 |
| Noninterest income to average assets | 0.7095% | 2,545 |
| Noninterest expense to average assets | 3.2801% | 2,558 |
| Loan and lease loss provision to assets | 0.2230% | 3,782 |
| Net operating income to assets | 0.6719% | 3,757 |
| Return on assets (ROA) | 0.6719% | 3,931 |
| Pretax return on assets | 0.8453% | 3,964 |
| Return on Equity (ROE) | 7.1049% | 3,474 |
| Retained earnings to average equity (ytd only) | 5.3130% | 2,983 |
| Net charge-offs to loans | 0.0097% | 6,025 |
| Credit loss provision to net charge-offs | 3,214.2857% | 93 |
| Earnings coverage of net charge-offs (x) | 154.0514% | 253 |
| Efficiency ratio | 75.4330% | 2,932 |
| Assets per employee ($millions) | 3.1304% | 5,838 |
| Cash dividends to net income (ytd only)* | 25.2207% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3758% | 4,659 |
| Loan loss allowance to noncurrent loans | 131.8671% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6364% | 3,632 |
| Noncurrent loans to loans | 1.0434% | 4,816 |
| Net loans and leases to total assets | 70.2058% | 2,048 |
| Net loans and leases to deposits | 85.8785% | 1,699 |
| Net loans and leases to core deposits | 88.5491% | 2,420 |
| Total domestic deposits to total assets | 81.7501% | 5,181 |
| Equity capital to assets | 9.4084% | 5,231 |
| Core capital (leverage) ratio | 9.5398% | 4,096 |
| Tier 1 risk-based capital ratio | 13.9916% | 4,359 |
| Total risk-based capital ratio | 15.2445% | 4,329 |
| Memoranda: | ||
| Average total assets | $134,547,250 | 4,107 |
| Average earning assets | $123,998,500 | 4,081 |
| Average equity | $12,723,250 | 4,403 |
| Average total loans | $96,210,500 | 3,750 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 2,087 |
| Cost of funding earning assets | 1.2626% | 2,166 |
| Net interest margin | 3.9797% | 2,939 |
| Noninterest income to average assets | 0.7162% | 2,453 |
| Noninterest expense to average assets | 3.2064% | 2,873 |
| Loan and lease loss provision to assets | 0.2247% | 3,663 |
| Net operating income to assets | 0.7462% | 3,310 |
| Return on assets (ROA) | 0.7462% | 3,433 |
| Pretax return on assets | 0.9499% | 3,431 |
| Return on Equity (ROE) | 7.8768% | 2,993 |
| Retained earnings to average equity (ytd only) | 6.0737% | 2,378 |
| Net charge-offs to loans | -0.0063% | 6,617 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1874% | 3,515 |
| Assets per employee ($millions) | 3.1098% | 5,853 |
| Cash dividends to net income (ytd only)* | 22.8916% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 4,951 |
| Loan loss allowance to noncurrent loans | 158.7145% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5255% | 3,914 |
| Noncurrent loans to loans | 0.8345% | 5,261 |
| Net loans and leases to total assets | 71.5389% | 1,873 |
| Net loans and leases to deposits | 85.0604% | 1,939 |
| Net loans and leases to core deposits | 87.6984% | 2,680 |
| Total domestic deposits to total assets | 84.1037% | 4,303 |
| Equity capital to assets | 9.6019% | 4,655 |
| Core capital (leverage) ratio | 9.4620% | 4,011 |
| Tier 1 risk-based capital ratio | 14.0309% | 4,152 |
| Total risk-based capital ratio | 15.2831% | 4,121 |
| Memoranda: | ||
| Average total assets | $133,483,670 | 4,155 |
| Average earning assets | $122,924,670 | 4,127 |
| Average equity | $12,644,670 | 4,410 |
| Average total loans | $95,597,670 | 3,806 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 2,328 |
| Cost of funding earning assets | 1.2317% | 2,618 |
| Net interest margin | 3.9426% | 2,942 |
| Noninterest income to average assets | 0.7678% | 2,171 |
| Noninterest expense to average assets | 3.2033% | 2,882 |
| Loan and lease loss provision to assets | 0.2249% | 3,411 |
| Net operating income to assets | 0.7738% | 3,149 |
| Return on assets (ROA) | 0.7738% | 3,222 |
| Pretax return on assets | 0.9688% | 3,253 |
| Return on Equity (ROE) | 8.2251% | 2,821 |
| Retained earnings to average equity (ytd only) | 6.4079% | 2,417 |
| Net charge-offs to loans | -0.0211% | 6,584 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8513% | 3,709 |
| Assets per employee ($millions) | 3.0683% | 6,009 |
| Cash dividends to net income (ytd only)* | 22.0930% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 5,290 |
| Loan loss allowance to noncurrent loans | 108.2216% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.9081% | 3,430 |
| Noncurrent loans to loans | 1.1742% | 4,737 |
| Net loans and leases to total assets | 69.6895% | 2,185 |
| Net loans and leases to deposits | 83.3437% | 2,130 |
| Net loans and leases to core deposits | 85.5155% | 2,953 |
| Total domestic deposits to total assets | 83.6170% | 4,659 |
| Equity capital to assets | 9.3677% | 4,627 |
| Core capital (leverage) ratio | 9.3889% | 3,980 |
| Tier 1 risk-based capital ratio | 13.7858% | 4,223 |
| Total risk-based capital ratio | 15.0371% | 4,201 |
| Memoranda: | ||
| Average total assets | $133,364,000 | 4,186 |
| Average earning assets | $122,760,500 | 4,165 |
| Average equity | $12,547,000 | 4,429 |
| Average total loans | $94,922,500 | 3,859 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3236% | 3,012 |
| Cost of funding earning assets | 1.6683% | 1,737 |
| Net interest margin | 3.6554% | 4,550 |
| Noninterest income to average assets | 0.6935% | 2,877 |
| Noninterest expense to average assets | 3.6328% | 1,839 |
| Loan and lease loss provision to assets | 1.2460% | 1,247 |
| Net operating income to assets | -0.4143% | 6,327 |
| Return on assets (ROA) | -0.4143% | 6,355 |
| Pretax return on assets | -0.8549% | 6,547 |
| Return on Equity (ROE) | -4.2738% | 6,377 |
| Retained earnings to average equity (ytd only) | -5.5977% | 6,348 |
| Net charge-offs to loans | 2.2437% | 865 |
| Credit loss provision to net charge-offs | 81.3327% | 5,507 |
| Earnings coverage of net charge-offs (x) | 0.2553% | 5,854 |
| Efficiency ratio | 90.2817% | 1,302 |
| Assets per employee ($millions) | 2.9272% | 6,257 |
| Cash dividends to net income (ytd only)* | -30.9783% | 7,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 5,535 |
| Loan loss allowance to noncurrent loans | 131.9720% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.7567% | 3,671 |
| Noncurrent loans to loans | 0.9064% | 5,246 |
| Net loans and leases to total assets | 70.9206% | 2,326 |
| Net loans and leases to deposits | 84.9896% | 2,281 |
| Net loans and leases to core deposits | 87.2014% | 3,154 |
| Total domestic deposits to total assets | 83.4462% | 4,631 |
| Equity capital to assets | 9.4494% | 4,467 |
| Core capital (leverage) ratio | 9.3782% | 3,883 |
| Tier 1 risk-based capital ratio | 13.6212% | 4,118 |
| Total risk-based capital ratio | 14.8611% | 4,094 |
| Memoranda: | ||
| Average total assets | $133,231,000 | 4,197 |
| Average earning assets | $121,383,200 | 4,201 |
| Average equity | $12,916,000 | 4,379 |
| Average total loans | $90,966,800 | 4,027 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2811% | 3,446 |
| Cost of funding earning assets | 1.7088% | 1,831 |
| Net interest margin | 3.5723% | 5,006 |
| Noninterest income to average assets | 0.6816% | 2,934 |
| Noninterest expense to average assets | 3.3201% | 2,515 |
| Loan and lease loss provision to assets | 1.3721% | 989 |
| Net operating income to assets | -0.4221% | 6,538 |
| Return on assets (ROA) | -0.4221% | 6,580 |
| Pretax return on assets | -0.7624% | 6,714 |
| Return on Equity (ROE) | -4.3273% | 6,593 |
| Retained earnings to average equity (ytd only) | -6.0766% | 6,641 |
| Net charge-offs to loans | 3.0183% | 505 |
| Credit loss provision to net charge-offs | 67.4350% | 5,488 |
| Earnings coverage of net charge-offs (x) | 0.2997% | 5,729 |
| Efficiency ratio | 84.4845% | 1,788 |
| Assets per employee ($millions) | 2.9023% | 6,369 |
| Cash dividends to net income (ytd only)* | -40.4245% | 7,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 6,632 |
| Loan loss allowance to noncurrent loans | 89.3572% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 2.5512% | 2,816 |
| Noncurrent loans to loans | 1.0460% | 5,155 |
| Net loans and leases to total assets | 68.8169% | 3,028 |
| Net loans and leases to deposits | 82.7109% | 2,964 |
| Net loans and leases to core deposits | 85.3079% | 3,756 |
| Total domestic deposits to total assets | 83.2018% | 4,500 |
| Equity capital to assets | 9.6483% | 4,622 |
| Core capital (leverage) ratio | 9.4311% | 4,014 |
| Tier 1 risk-based capital ratio | 14.0478% | 3,798 |
| Total risk-based capital ratio | 14.9968% | 3,978 |
| Memoranda: | ||
| Average total assets | $133,608,250 | 4,237 |
| Average earning assets | $121,487,750 | 4,252 |
| Average equity | $13,033,250 | 4,428 |
| Average total loans | $90,071,250 | 4,112 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2199% | 3,855 |
| Cost of funding earning assets | 1.7809% | 1,717 |
| Net interest margin | 3.4390% | 5,483 |
| Noninterest income to average assets | 0.6567% | 2,973 |
| Noninterest expense to average assets | 3.3088% | 2,537 |
| Loan and lease loss provision to assets | 0.6686% | 2,160 |
| Net operating income to assets | 0.0134% | 6,063 |
| Return on assets (ROA) | 0.0134% | 6,166 |
| Pretax return on assets | -0.1991% | 6,336 |
| Return on Equity (ROE) | 0.1366% | 6,158 |
| Retained earnings to average equity (ytd only) | -1.5936% | 6,087 |
| Net charge-offs to loans | 1.1931% | 1,589 |
| Credit loss provision to net charge-offs | 83.9552% | 4,591 |
| Earnings coverage of net charge-offs (x) | 0.5896% | 5,149 |
| Efficiency ratio | 87.5737% | 1,550 |
| Assets per employee ($millions) | 2.9792% | 6,183 |
| Cash dividends to net income (ytd only)* | 1,266.6667% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 3,597 |
| Loan loss allowance to noncurrent loans | 51.3689% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 3.8900% | 1,780 |
| Noncurrent loans to loans | 3.0503% | 2,640 |
| Net loans and leases to total assets | 66.8193% | 3,661 |
| Net loans and leases to deposits | 79.5701% | 3,674 |
| Net loans and leases to core deposits | 81.9587% | 4,423 |
| Total domestic deposits to total assets | 83.9754% | 4,116 |
| Equity capital to assets | 9.7656% | 4,320 |
| Core capital (leverage) ratio | 9.5198% | 3,790 |
| Tier 1 risk-based capital ratio | 14.3953% | 3,493 |
| Total risk-based capital ratio | 15.6491% | 3,459 |
| Memoranda: | ||
| Average total assets | $134,610,000 | 4,252 |
| Average earning assets | $122,186,000 | 4,264 |
| Average equity | $13,177,330 | 4,403 |
| Average total loans | $89,853,330 | 4,142 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 4,123 |
| Cost of funding earning assets | 1.8134% | 1,821 |
| Net interest margin | 3.3678% | 5,719 |
| Noninterest income to average assets | 0.6346% | 3,049 |
| Noninterest expense to average assets | 3.2384% | 2,737 |
| Loan and lease loss provision to assets | 0.2224% | 4,277 |
| Net operating income to assets | 0.2936% | 5,323 |
| Return on assets (ROA) | 0.2936% | 5,453 |
| Pretax return on assets | 0.2194% | 5,821 |
| Return on Equity (ROE) | 2.9955% | 5,337 |
| Retained earnings to average equity (ytd only) | 1.2708% | 5,304 |
| Net charge-offs to loans | 0.2151% | 3,633 |
| Credit loss provision to net charge-offs | 156.2500% | 2,287 |
| Earnings coverage of net charge-offs (x) | 3.1042% | 3,019 |
| Efficiency ratio | 87.9936% | 1,587 |
| Assets per employee ($millions) | 3.0690% | 6,070 |
| Cash dividends to net income (ytd only)* | 57.5758% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,922 |
| Loan loss allowance to noncurrent loans | 44.8296% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 3.8528% | 1,795 |
| Noncurrent loans to loans | 3.8812% | 2,038 |
| Net loans and leases to total assets | 62.9316% | 4,552 |
| Net loans and leases to deposits | 75.0628% | 4,566 |
| Net loans and leases to core deposits | 77.0587% | 5,130 |
| Total domestic deposits to total assets | 83.8386% | 4,227 |
| Equity capital to assets | 9.5803% | 4,406 |
| Core capital (leverage) ratio | 9.8337% | 3,361 |
| Tier 1 risk-based capital ratio | 14.8111% | 3,205 |
| Total risk-based capital ratio | 16.0665% | 3,160 |
| Memoranda: | ||
| Average total assets | $134,883,500 | 4,305 |
| Average earning assets | $121,978,500 | 4,329 |
| Average equity | $13,220,000 | 4,430 |
| Average total loans | $89,277,000 | 4,219 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5418% | 3,919 |
| Cost of funding earning assets | 2.0022% | 2,953 |
| Net interest margin | 3.5396% | 4,780 |
| Noninterest income to average assets | 0.6258% | 3,456 |
| Noninterest expense to average assets | 3.3306% | 2,907 |
| Loan and lease loss provision to assets | 0.4103% | 4,349 |
| Net operating income to assets | 0.2089% | 4,873 |
| Return on assets (ROA) | 0.2089% | 4,934 |
| Pretax return on assets | 0.1566% | 5,095 |
| Return on Equity (ROE) | 2.1038% | 4,860 |
| Retained earnings to average equity (ytd only) | 0.3682% | 4,699 |
| Net charge-offs to loans | 0.4780% | 3,869 |
| Credit loss provision to net charge-offs | 127.9070% | 4,041 |
| Earnings coverage of net charge-offs (x) | 1.7674% | 4,399 |
| Efficiency ratio | 85.4545% | 2,175 |
| Assets per employee ($millions) | 3.0619% | 6,065 |
| Cash dividends to net income (ytd only)* | 82.5000% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 2,971 |
| Loan loss allowance to noncurrent loans | 46.1398% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 3.9230% | 1,686 |
| Noncurrent loans to loans | 3.6370% | 2,072 |
| Net loans and leases to total assets | 67.2870% | 3,862 |
| Net loans and leases to deposits | 81.4299% | 3,710 |
| Net loans and leases to core deposits | 98.9545% | 4,120 |
| Total domestic deposits to total assets | 82.6318% | 4,693 |
| Equity capital to assets | 10.0327% | 3,713 |
| Core capital (leverage) ratio | 9.5942% | 3,603 |
| Tier 1 risk-based capital ratio | 14.6943% | 3,103 |
| Total risk-based capital ratio | 15.9494% | 3,055 |
| Memoranda: | ||
| Average total assets | $134,060,000 | 4,260 |
| Average earning assets | $123,912,600 | 4,219 |
| Average equity | $13,309,400 | 4,431 |
| Average total loans | $89,962,400 | 4,212 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5453% | 4,181 |
| Cost of funding earning assets | 2.0217% | 3,247 |
| Net interest margin | 3.5236% | 4,765 |
| Noninterest income to average assets | 0.6149% | 3,589 |
| Noninterest expense to average assets | 3.2555% | 3,101 |
| Loan and lease loss provision to assets | 0.3218% | 4,413 |
| Net operating income to assets | 0.3386% | 4,641 |
| Return on assets (ROA) | 0.3386% | 4,741 |
| Pretax return on assets | 0.2990% | 5,066 |
| Return on Equity (ROE) | 3.4196% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.6798% | 4,370 |
| Net charge-offs to loans | 0.4507% | 3,430 |
| Credit loss provision to net charge-offs | 106.9079% | 4,756 |
| Earnings coverage of net charge-offs (x) | 2.0625% | 4,276 |
| Efficiency ratio | 83.9847% | 2,300 |
| Assets per employee ($millions) | 3.3076% | 5,380 |
| Cash dividends to net income (ytd only)* | 50.8761% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 3,059 |
| Loan loss allowance to noncurrent loans | 68.0964% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 3.0219% | 2,298 |
| Noncurrent loans to loans | 2.3243% | 3,234 |
| Net loans and leases to total assets | 64.7905% | 4,701 |
| Net loans and leases to deposits | 81.4255% | 4,126 |
| Net loans and leases to core deposits | 100.0410% | 4,366 |
| Total domestic deposits to total assets | 79.5702% | 5,601 |
| Equity capital to assets | 9.8561% | 4,273 |
| Core capital (leverage) ratio | 9.6520% | 3,713 |
| Tier 1 risk-based capital ratio | 14.9214% | 3,076 |
| Total risk-based capital ratio | 16.1754% | 3,014 |
| Memoranda: | ||
| Average total assets | $134,660,000 | 4,262 |
| Average earning assets | $124,643,250 | 4,230 |
| Average equity | $13,334,500 | 4,449 |
| Average total loans | $89,927,500 | 4,250 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7389% | 3,350 |
| Cost of funding earning assets | 2.0406% | 3,573 |
| Net interest margin | 3.6982% | 3,954 |
| Noninterest income to average assets | 0.5880% | 3,782 |
| Noninterest expense to average assets | 3.2633% | 3,106 |
| Loan and lease loss provision to assets | 0.3722% | 3,694 |
| Net operating income to assets | 0.4124% | 4,462 |
| Return on assets (ROA) | 0.4124% | 4,568 |
| Pretax return on assets | 0.3737% | 5,006 |
| Return on Equity (ROE) | 4.1579% | 4,429 |
| Retained earnings to average equity (ytd only) | 2.4017% | 3,993 |
| Net charge-offs to loans | 0.6279% | 2,469 |
| Credit loss provision to net charge-offs | 88.3392% | 4,972 |
| Earnings coverage of net charge-offs (x) | 1.7703% | 4,231 |
| Efficiency ratio | 81.3962% | 2,818 |
| Assets per employee ($millions) | 3.2530% | 5,442 |
| Cash dividends to net income (ytd only)* | 42.2383% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5318% | 3,023 |
| Loan loss allowance to noncurrent loans | 184.3962% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 2.5471% | 2,525 |
| Noncurrent loans to loans | 0.8307% | 5,564 |
| Net loans and leases to total assets | 63.9400% | 4,998 |
| Net loans and leases to deposits | 80.0421% | 4,541 |
| Net loans and leases to core deposits | 98.5626% | 4,645 |
| Total domestic deposits to total assets | 79.8829% | 5,516 |
| Equity capital to assets | 9.7837% | 4,237 |
| Core capital (leverage) ratio | 9.6996% | 3,631 |
| Tier 1 risk-based capital ratio | 15.4644% | 2,824 |
| Total risk-based capital ratio | 16.7182% | 2,757 |
| Memoranda: | ||
| Average total assets | $134,343,000 | 4,296 |
| Average earning assets | $124,275,000 | 4,262 |
| Average equity | $13,324,000 | 4,465 |
| Average total loans | $90,144,670 | 4,274 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9485% | 2,573 |
| Cost of funding earning assets | 2.0962% | 3,671 |
| Net interest margin | 3.8522% | 3,238 |
| Noninterest income to average assets | 0.5345% | 4,028 |
| Noninterest expense to average assets | 3.2132% | 2,929 |
| Loan and lease loss provision to assets | 0.4504% | 2,667 |
| Net operating income to assets | 0.4414% | 4,685 |
| Return on assets (ROA) | 0.4414% | 4,857 |
| Pretax return on assets | 0.4414% | 5,267 |
| Return on Equity (ROE) | 4.4202% | 4,738 |
| Retained earnings to average equity (ytd only) | 2.6461% | 4,408 |
| Net charge-offs to loans | 0.9333% | 1,418 |
| Credit loss provision to net charge-offs | 70.7547% | 4,340 |
| Earnings coverage of net charge-offs (x) | 1.4009% | 4,035 |
| Efficiency ratio | 78.2736% | 3,124 |
| Assets per employee ($millions) | 3.2030% | 5,586 |
| Cash dividends to net income (ytd only)* | 40.1361% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 3,078 |
| Loan loss allowance to noncurrent loans | 125.2354% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 2.2308% | 2,569 |
| Noncurrent loans to loans | 1.1831% | 4,610 |
| Net loans and leases to total assets | 65.7395% | 4,646 |
| Net loans and leases to deposits | 81.4831% | 4,371 |
| Net loans and leases to core deposits | 100.0351% | 4,535 |
| Total domestic deposits to total assets | 80.6787% | 5,101 |
| Equity capital to assets | 9.8941% | 4,123 |
| Core capital (leverage) ratio | 9.8035% | 3,632 |
| Tier 1 risk-based capital ratio | 15.4496% | 2,874 |
| Total risk-based capital ratio | 16.7032% | 2,805 |
| Memoranda: | ||
| Average total assets | $133,202,000 | 4,346 |
| Average earning assets | $123,460,500 | 4,296 |
| Average equity | $13,302,500 | 4,504 |
| Average total loans | $90,858,500 | 4,286 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4384% | 3,230 |
| Cost of funding earning assets | 2.5233% | 4,080 |
| Net interest margin | 3.9151% | 3,497 |
| Noninterest income to average assets | 0.6961% | 3,143 |
| Noninterest expense to average assets | 3.1772% | 3,419 |
| Loan and lease loss provision to assets | 0.6722% | 2,166 |
| Net operating income to assets | 0.4963% | 4,750 |
| Return on assets (ROA) | 0.5019% | 4,570 |
| Pretax return on assets | 0.5355% | 4,895 |
| Return on Equity (ROE) | 4.9925% | 4,393 |
| Retained earnings to average equity (ytd only) | 0.3269% | 5,042 |
| Net charge-offs to loans | 0.4454% | 2,602 |
| Credit loss provision to net charge-offs | 220.5882% | 2,172 |
| Earnings coverage of net charge-offs (x) | 3.9436% | 4,171 |
| Efficiency ratio | 72.5567% | 3,837 |
| Assets per employee ($millions) | 3.1400% | 5,655 |
| Cash dividends to net income (ytd only)* | 93.4524% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 2,610 |
| Loan loss allowance to noncurrent loans | 97.2746% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 2.4962% | 1,944 |
| Noncurrent loans to loans | 1.5563% | 3,458 |
| Net loans and leases to total assets | 68.6682% | 4,328 |
| Net loans and leases to deposits | 84.4704% | 4,344 |
| Net loans and leases to core deposits | 104.0047% | 4,397 |
| Total domestic deposits to total assets | 81.2927% | 4,517 |
| Equity capital to assets | 10.0812% | 3,940 |
| Core capital (leverage) ratio | 10.0405% | 3,407 |
| Tier 1 risk-based capital ratio | 15.1695% | 2,971 |
| Total risk-based capital ratio | 16.4237% | 2,890 |
| Memoranda: | ||
| Average total assets | $133,892,600 | 4,206 |
| Average earning assets | $125,948,400 | 4,130 |
| Average equity | $13,460,200 | 4,464 |
| Average total loans | $91,594,600 | 4,172 |