Home > Mountain Valley Bank, N.A. > Performance and Condition Ratios
Mountain Valley Bank, N.A., 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 | 4.4514% | 3,185 |
| Cost of funding earning assets | 0.6640% | 3,980 |
| Net interest margin | 3.7874% | 1,582 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.7203% | 1,687 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.0528% | 2,057 |
| Return on assets (ROA) | 1.0528% | 2,025 |
| Pretax return on assets | 1.3349% | 1,780 |
| Return on Equity (ROE) | 10.6500% | 2,325 |
| Retained earnings to average equity (ytd only) | 7.6726% | 1,646 |
| Net charge-offs to loans | -0.1225% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.6839% | 2,262 |
| Assets per employee ($millions) | 4.5763% | 3,906 |
| Cash dividends to net income (ytd only)* | 27.9360% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 1,582 |
| Loan loss allowance to noncurrent loans | 677.7293% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 2,729 |
| Noncurrent loans to loans | 0.1991% | 2,515 |
| Net loans and leases to total assets | 60.4700% | 2,807 |
| Net loans and leases to deposits | 68.7837% | 2,973 |
| Net loans and leases to core deposits | 71.0096% | 3,243 |
| Total domestic deposits to total assets | 87.9200% | 1,385 |
| Equity capital to assets | 10.7979% | 1,585 |
| Core capital (leverage) ratio | 12.4631% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $190,056,000 | 3,052 |
| Average earning assets | $182,393,200 | 2,989 |
| Average equity | $18,794,200 | 2,952 |
| Average total loans | $113,436,600 | 3,013 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 3,245 |
| Cost of funding earning assets | 0.6390% | 3,901 |
| Net interest margin | 3.6902% | 1,798 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.6301% | 1,854 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0385% | 2,253 |
| Return on assets (ROA) | 1.0385% | 2,240 |
| Pretax return on assets | 1.3189% | 1,983 |
| Return on Equity (ROE) | 10.7400% | 2,437 |
| Retained earnings to average equity (ytd only) | 10.1439% | 1,362 |
| Net charge-offs to loans | 0.0307% | 1,464 |
| Credit loss provision to net charge-offs | 215.3846% | 1,070 |
| Earnings coverage of net charge-offs (x) | 74.6923% | 1,082 |
| Efficiency ratio | 65.9477% | 2,283 |
| Assets per employee ($millions) | 4.7009% | 3,812 |
| Cash dividends to net income (ytd only)* | 5.5892% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,321 |
| Loan loss allowance to noncurrent loans | 364.7520% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 2,221 |
| Noncurrent loans to loans | 0.3310% | 2,045 |
| Net loans and leases to total assets | 59.3100% | 2,909 |
| Net loans and leases to deposits | 66.6970% | 3,074 |
| Net loans and leases to core deposits | 68.6489% | 3,291 |
| Total domestic deposits to total assets | 88.9200% | 1,286 |
| Equity capital to assets | 9.6770% | 2,002 |
| Core capital (leverage) ratio | 12.2914% | 1,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $190,662,750 | 3,057 |
| Average earning assets | $183,000,250 | 2,999 |
| Average equity | $18,427,750 | 2,971 |
| Average total loans | $113,041,000 | 3,025 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 3,267 |
| Cost of funding earning assets | 0.6083% | 3,729 |
| Net interest margin | 3.6059% | 2,026 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.5920% | 1,950 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0096% | 2,388 |
| Return on assets (ROA) | 1.0096% | 2,385 |
| Pretax return on assets | 1.2823% | 2,130 |
| Return on Equity (ROE) | 10.4500% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.5459% | 1,524 |
| Net charge-offs to loans | 0.0071% | 1,970 |
| Credit loss provision to net charge-offs | 950.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 435 |
| Efficiency ratio | 66.2184% | 2,207 |
| Assets per employee ($millions) | 4.7782% | 3,768 |
| Cash dividends to net income (ytd only)* | 8.6548% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,309 |
| Loan loss allowance to noncurrent loans | 761.4130% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 2,860 |
| Noncurrent loans to loans | 0.1611% | 2,672 |
| Net loans and leases to total assets | 59.0100% | 2,866 |
| Net loans and leases to deposits | 66.5439% | 3,030 |
| Net loans and leases to core deposits | 68.3452% | 3,219 |
| Total domestic deposits to total assets | 88.6800% | 1,354 |
| Equity capital to assets | 9.8165% | 1,967 |
| Core capital (leverage) ratio | 12.1470% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $189,972,000 | 3,070 |
| Average earning assets | $182,478,667 | 3,011 |
| Average equity | $18,353,333 | 2,996 |
| Average total loans | $112,153,000 | 3,035 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 3,222 |
| Cost of funding earning assets | 0.5471% | 3,545 |
| Net interest margin | 3.5702% | 2,191 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.5787% | 2,012 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9969% | 2,538 |
| Return on assets (ROA) | 0.9969% | 2,506 |
| Pretax return on assets | 1.2672% | 2,262 |
| Return on Equity (ROE) | 10.4000% | 2,666 |
| Retained earnings to average equity (ytd only) | 10.4028% | 1,604 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.3587% | 2,170 |
| Assets per employee ($millions) | 4.7898% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 2,472 |
| Loan loss allowance to noncurrent loans | 582.3529% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 2,638 |
| Noncurrent loans to loans | 0.2089% | 2,429 |
| Net loans and leases to total assets | 58.7400% | 2,793 |
| Net loans and leases to deposits | 66.2836% | 2,912 |
| Net loans and leases to core deposits | 67.4480% | 3,139 |
| Total domestic deposits to total assets | 88.6200% | 1,694 |
| Equity capital to assets | 9.8464% | 1,903 |
| Core capital (leverage) ratio | 11.9116% | 1,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $189,394,500 | 3,110 |
| Average earning assets | $182,064,500 | 3,055 |
| Average equity | $18,149,000 | 3,040 |
| Average total loans | $111,136,000 | 3,089 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5649% | 2,902 |
| Cost of funding earning assets | 0.1964% | 3,787 |
| Net interest margin | 3.3684% | 2,350 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.7724% | 1,370 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7074% | 3,597 |
| Return on assets (ROA) | 0.7091% | 3,538 |
| Pretax return on assets | 0.8753% | 3,420 |
| Return on Equity (ROE) | 7.2900% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.5187% | 3,229 |
| Net charge-offs to loans | -0.0019% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.3851% | 1,078 |
| Assets per employee ($millions) | 4.3534% | 4,108 |
| Cash dividends to net income (ytd only)* | 38.0558% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,087 |
| Loan loss allowance to noncurrent loans | 367.4731% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 2,181 |
| Noncurrent loans to loans | 0.3433% | 1,913 |
| Net loans and leases to total assets | 57.1500% | 2,901 |
| Net loans and leases to deposits | 64.0760% | 3,036 |
| Net loans and leases to core deposits | 64.5438% | 3,233 |
| Total domestic deposits to total assets | 89.1900% | 1,666 |
| Equity capital to assets | 9.3127% | 2,146 |
| Core capital (leverage) ratio | 11.7653% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $187,127,800 | 3,128 |
| Average earning assets | $179,699,000 | 3,065 |
| Average equity | $18,191,000 | 3,107 |
| Average total loans | $104,516,200 | 3,089 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4180% | 2,869 |
| Cost of funding earning assets | 0.1706% | 3,620 |
| Net interest margin | 3.2474% | 2,470 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.6052% | 1,702 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7537% | 3,410 |
| Return on assets (ROA) | 0.7560% | 3,348 |
| Pretax return on assets | 0.9370% | 3,212 |
| Return on Equity (ROE) | 7.7000% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.0943% | 2,332 |
| Net charge-offs to loans | -0.0039% | 3,415 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.2519% | 1,356 |
| Assets per employee ($millions) | 4.4123% | 4,112 |
| Cash dividends to net income (ytd only)* | 7.8228% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,181 |
| Loan loss allowance to noncurrent loans | 518.2879% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1355% | 2,659 |
| Noncurrent loans to loans | 0.2447% | 2,403 |
| Net loans and leases to total assets | 54.6600% | 3,034 |
| Net loans and leases to deposits | 60.9267% | 3,117 |
| Net loans and leases to core deposits | 61.2599% | 3,281 |
| Total domestic deposits to total assets | 89.7100% | 1,780 |
| Equity capital to assets | 8.7141% | 2,399 |
| Core capital (leverage) ratio | 11.8819% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $187,110,750 | 3,151 |
| Average earning assets | $179,708,750 | 3,092 |
| Average equity | $18,380,500 | 3,123 |
| Average total loans | $103,558,000 | 3,111 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3033% | 2,729 |
| Cost of funding earning assets | 0.1594% | 3,454 |
| Net interest margin | 3.1439% | 2,390 |
| Noninterest income to average assets | 0.4381% | 2,517 |
| Noninterest expense to average assets | 2.5494% | 1,781 |
| Loan and lease loss provision to assets | 0.0097% | 2,418 |
| Net operating income to assets | 0.7257% | 3,224 |
| Return on assets (ROA) | 0.7292% | 3,165 |
| Pretax return on assets | 0.9117% | 3,019 |
| Return on Equity (ROE) | 7.1487% | 3,266 |
| Retained earnings to average equity (ytd only) | 6.2749% | 2,249 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5440% | 1,568 |
| Assets per employee ($millions) | 4.4345% | 4,129 |
| Cash dividends to net income (ytd only)* | 12.2239% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,272 |
| Loan loss allowance to noncurrent loans | 422.5080% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,536 |
| Noncurrent loans to loans | 0.3035% | 2,243 |
| Net loans and leases to total assets | 54.3187% | 2,927 |
| Net loans and leases to deposits | 61.0477% | 2,971 |
| Net loans and leases to core deposits | 61.3900% | 3,167 |
| Total domestic deposits to total assets | 88.9775% | 2,196 |
| Equity capital to assets | 9.3967% | 2,100 |
| Core capital (leverage) ratio | 11.8089% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,238,333 | 3,189 |
| Average earning assets | $179,394,000 | 3,136 |
| Average equity | $18,996,333 | 3,152 |
| Average total loans | $103,067,000 | 3,146 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3528% | 2,230 |
| Cost of funding earning assets | 0.1601% | 3,369 |
| Net interest margin | 3.1927% | 1,904 |
| Noninterest income to average assets | 0.4339% | 2,474 |
| Noninterest expense to average assets | 2.5302% | 1,804 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7985% | 2,664 |
| Return on assets (ROA) | 0.8054% | 2,634 |
| Pretax return on assets | 0.9966% | 2,451 |
| Return on Equity (ROE) | 7.5972% | 2,839 |
| Retained earnings to average equity (ytd only) | 7.5972% | 1,700 |
| Net charge-offs to loans | -0.0039% | 3,266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9170% | 1,984 |
| Assets per employee ($millions) | 4.6713% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,440 |
| Loan loss allowance to noncurrent loans | 864.9007% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 3,270 |
| Noncurrent loans to loans | 0.1484% | 3,064 |
| Net loans and leases to total assets | 53.7647% | 2,788 |
| Net loans and leases to deposits | 60.9475% | 2,814 |
| Net loans and leases to core deposits | 61.4779% | 3,022 |
| Total domestic deposits to total assets | 88.2148% | 2,423 |
| Equity capital to assets | 10.0801% | 1,838 |
| Core capital (leverage) ratio | 11.8691% | 1,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,234,000 | 3,196 |
| Average earning assets | $179,908,500 | 3,144 |
| Average equity | $19,744,000 | 3,165 |
| Average total loans | $103,360,000 | 3,144 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3146% | 3,161 |
| Cost of funding earning assets | 0.1833% | 3,619 |
| Net interest margin | 3.1314% | 2,800 |
| Noninterest income to average assets | 0.4466% | 2,829 |
| Noninterest expense to average assets | 2.8994% | 1,154 |
| Loan and lease loss provision to assets | 0.0167% | 2,740 |
| Net operating income to assets | 0.4693% | 4,143 |
| Return on assets (ROA) | 0.4689% | 4,189 |
| Pretax return on assets | 0.5517% | 4,173 |
| Return on Equity (ROE) | 4.1198% | 4,195 |
| Retained earnings to average equity (ytd only) | 1.7496% | 4,057 |
| Net charge-offs to loans | 0.0010% | 2,649 |
| Credit loss provision to net charge-offs | 3,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 1,023.0000% | 146 |
| Efficiency ratio | 83.5953% | 595 |
| Assets per employee ($millions) | 4.4194% | 4,178 |
| Cash dividends to net income (ytd only)* | 57.5326% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,655 |
| Loan loss allowance to noncurrent loans | 676.1658% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 3,205 |
| Noncurrent loans to loans | 0.1839% | 3,023 |
| Net loans and leases to total assets | 55.8403% | 2,638 |
| Net loans and leases to deposits | 64.1974% | 2,672 |
| Net loans and leases to core deposits | 64.7670% | 2,918 |
| Total domestic deposits to total assets | 86.9822% | 2,528 |
| Equity capital to assets | 11.1268% | 1,712 |
| Core capital (leverage) ratio | 11.6977% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,793,200 | 3,210 |
| Average earning assets | $173,503,400 | 3,144 |
| Average equity | $20,462,200 | 3,176 |
| Average total loans | $104,987,600 | 3,138 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3384% | 3,285 |
| Cost of funding earning assets | 0.1877% | 3,734 |
| Net interest margin | 3.1507% | 2,891 |
| Noninterest income to average assets | 0.4426% | 2,877 |
| Noninterest expense to average assets | 2.7049% | 1,576 |
| Loan and lease loss provision to assets | 0.0224% | 2,545 |
| Net operating income to assets | 0.6213% | 3,970 |
| Return on assets (ROA) | 0.6213% | 4,019 |
| Pretax return on assets | 0.7529% | 3,977 |
| Return on Equity (ROE) | 5.4274% | 4,033 |
| Retained earnings to average equity (ytd only) | 4.8788% | 3,263 |
| Net charge-offs to loans | 0.0013% | 2,384 |
| Credit loss provision to net charge-offs | 3,000.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 1,037.0000% | 161 |
| Efficiency ratio | 77.7229% | 899 |
| Assets per employee ($millions) | 4.4354% | 4,167 |
| Cash dividends to net income (ytd only)* | 10.1083% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,868 |
| Loan loss allowance to noncurrent loans | 847.4026% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 3,545 |
| Noncurrent loans to loans | 0.1447% | 3,392 |
| Net loans and leases to total assets | 56.4411% | 2,680 |
| Net loans and leases to deposits | 65.2616% | 2,702 |
| Net loans and leases to core deposits | 65.8407% | 2,968 |
| Total domestic deposits to total assets | 86.4844% | 2,562 |
| Equity capital to assets | 11.1295% | 1,928 |
| Core capital (leverage) ratio | 12.1944% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,337,750 | 3,257 |
| Average earning assets | $171,935,250 | 3,197 |
| Average equity | $20,414,500 | 3,213 |
| Average total loans | $104,996,250 | 3,180 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3318% | 3,356 |
| Cost of funding earning assets | 0.1936% | 3,822 |
| Net interest margin | 3.1383% | 2,932 |
| Noninterest income to average assets | 0.4565% | 2,812 |
| Noninterest expense to average assets | 2.7037% | 1,586 |
| Loan and lease loss provision to assets | 0.0342% | 2,299 |
| Net operating income to assets | 0.6159% | 3,947 |
| Return on assets (ROA) | 0.6159% | 4,003 |
| Pretax return on assets | 0.7456% | 3,980 |
| Return on Equity (ROE) | 5.3279% | 4,071 |
| Retained earnings to average equity (ytd only) | 4.5006% | 3,362 |
| Net charge-offs to loans | 0.0019% | 2,143 |
| Credit loss provision to net charge-offs | 3,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 685.0000% | 206 |
| Efficiency ratio | 77.6144% | 945 |
| Assets per employee ($millions) | 4.3230% | 4,243 |
| Cash dividends to net income (ytd only)* | 15.5268% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,677 |
| Loan loss allowance to noncurrent loans | 3,182.9268% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,109 |
| Noncurrent loans to loans | 0.0393% | 4,000 |
| Net loans and leases to total assets | 58.1438% | 2,652 |
| Net loans and leases to deposits | 67.5252% | 2,666 |
| Net loans and leases to core deposits | 68.1567% | 2,948 |
| Total domestic deposits to total assets | 86.1068% | 2,705 |
| Equity capital to assets | 11.5354% | 1,607 |
| Core capital (leverage) ratio | 12.2817% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,687,667 | 3,283 |
| Average earning assets | $169,457,333 | 3,229 |
| Average equity | $20,308,333 | 3,219 |
| Average total loans | $104,512,333 | 3,199 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3837% | 3,250 |
| Cost of funding earning assets | 0.2017% | 3,897 |
| Net interest margin | 3.1820% | 2,756 |
| Noninterest income to average assets | 0.4322% | 2,916 |
| Noninterest expense to average assets | 2.7100% | 1,600 |
| Loan and lease loss provision to assets | 0.0343% | 2,320 |
| Net operating income to assets | 0.6083% | 3,919 |
| Return on assets (ROA) | 0.6083% | 3,983 |
| Pretax return on assets | 0.7547% | 3,901 |
| Return on Equity (ROE) | 5.2570% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.2570% | 3,145 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4510% | 1,002 |
| Assets per employee ($millions) | 4.4398% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,829 |
| Loan loss allowance to noncurrent loans | 1,112.9310% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,910 |
| Noncurrent loans to loans | 0.1095% | 3,761 |
| Net loans and leases to total assets | 58.9464% | 2,683 |
| Net loans and leases to deposits | 68.1845% | 2,682 |
| Net loans and leases to core deposits | 68.8183% | 2,986 |
| Total domestic deposits to total assets | 86.4514% | 2,549 |
| Equity capital to assets | 11.3897% | 1,611 |
| Core capital (leverage) ratio | 12.6524% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,909,000 | 3,287 |
| Average earning assets | $168,572,000 | 3,229 |
| Average equity | $20,239,500 | 3,222 |
| Average total loans | $104,587,500 | 3,204 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 2,892 |
| Cost of funding earning assets | 0.2656% | 4,316 |
| Net interest margin | 3.6788% | 1,877 |
| Noninterest income to average assets | 0.4574% | 2,834 |
| Noninterest expense to average assets | 2.8863% | 1,721 |
| Loan and lease loss provision to assets | 0.0978% | 3,113 |
| Net operating income to assets | 0.8179% | 3,023 |
| Return on assets (ROA) | 0.8240% | 3,122 |
| Pretax return on assets | 1.0227% | 2,966 |
| Return on Equity (ROE) | 6.4935% | 3,410 |
| Retained earnings to average equity (ytd only) | 4.1183% | 2,751 |
| Net charge-offs to loans | 0.0477% | 2,115 |
| Credit loss provision to net charge-offs | 325.0000% | 1,656 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,449 |
| Efficiency ratio | 72.1717% | 1,659 |
| Assets per employee ($millions) | 4.2007% | 4,212 |
| Cash dividends to net income (ytd only)* | 36.5779% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,766 |
| Loan loss allowance to noncurrent loans | 359.4366% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2061% | 3,257 |
| Noncurrent loans to loans | 0.3440% | 2,971 |
| Net loans and leases to total assets | 59.1803% | 2,962 |
| Net loans and leases to deposits | 68.8464% | 2,997 |
| Net loans and leases to core deposits | 69.5089% | 3,283 |
| Total domestic deposits to total assets | 85.9599% | 2,383 |
| Equity capital to assets | 11.7588% | 1,698 |
| Core capital (leverage) ratio | 12.8308% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,582,200 | 3,289 |
| Average earning assets | $153,637,000 | 3,226 |
| Average equity | $20,251,000 | 3,169 |
| Average total loans | $100,664,800 | 3,220 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 2,739 |
| Cost of funding earning assets | 0.2790% | 4,393 |
| Net interest margin | 3.7968% | 1,627 |
| Noninterest income to average assets | 0.4492% | 2,854 |
| Noninterest expense to average assets | 2.9271% | 1,626 |
| Loan and lease loss provision to assets | 0.0889% | 3,203 |
| Net operating income to assets | 0.8782% | 2,782 |
| Return on assets (ROA) | 0.8831% | 2,890 |
| Pretax return on assets | 1.0936% | 2,772 |
| Return on Equity (ROE) | 6.8210% | 3,265 |
| Retained earnings to average equity (ytd only) | 6.2679% | 1,989 |
| Net charge-offs to loans | 0.0626% | 1,710 |
| Credit loss provision to net charge-offs | 221.2766% | 2,037 |
| Earnings coverage of net charge-offs (x) | 29.3617% | 1,607 |
| Efficiency ratio | 71.3336% | 1,716 |
| Assets per employee ($millions) | 4.1050% | 4,233 |
| Cash dividends to net income (ytd only)* | 8.1081% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 2,832 |
| Loan loss allowance to noncurrent loans | 612.5000% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 3,836 |
| Noncurrent loans to loans | 0.1912% | 3,628 |
| Net loans and leases to total assets | 61.4288% | 3,073 |
| Net loans and leases to deposits | 71.5752% | 3,173 |
| Net loans and leases to core deposits | 73.5545% | 3,353 |
| Total domestic deposits to total assets | 85.8241% | 2,140 |
| Equity capital to assets | 12.3887% | 1,471 |
| Core capital (leverage) ratio | 13.0619% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,420,750 | 3,300 |
| Average earning assets | $150,544,500 | 3,239 |
| Average equity | $20,250,750 | 3,157 |
| Average total loans | $100,030,750 | 3,239 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 2,631 |
| Cost of funding earning assets | 0.2948% | 4,500 |
| Net interest margin | 3.9455% | 1,455 |
| Noninterest income to average assets | 0.4618% | 2,755 |
| Noninterest expense to average assets | 3.0133% | 1,541 |
| Loan and lease loss provision to assets | 0.0669% | 3,453 |
| Net operating income to assets | 0.9463% | 2,511 |
| Return on assets (ROA) | 0.9537% | 2,610 |
| Pretax return on assets | 1.1833% | 2,416 |
| Return on Equity (ROE) | 7.2516% | 3,035 |
| Retained earnings to average equity (ytd only) | 6.4138% | 1,897 |
| Net charge-offs to loans | 0.0975% | 1,296 |
| Credit loss provision to net charge-offs | 106.2500% | 2,360 |
| Earnings coverage of net charge-offs (x) | 19.7083% | 1,707 |
| Efficiency ratio | 70.8295% | 1,844 |
| Assets per employee ($millions) | 4.0334% | 4,280 |
| Cash dividends to net income (ytd only)* | 11.5543% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,935 |
| Loan loss allowance to noncurrent loans | 506.9264% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 3,684 |
| Noncurrent loans to loans | 0.2208% | 3,590 |
| Net loans and leases to total assets | 62.5595% | 3,062 |
| Net loans and leases to deposits | 73.0772% | 3,157 |
| Net loans and leases to core deposits | 75.5282% | 3,326 |
| Total domestic deposits to total assets | 85.6073% | 2,160 |
| Equity capital to assets | 12.4104% | 1,424 |
| Core capital (leverage) ratio | 13.2617% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,458,667 | 3,328 |
| Average earning assets | $146,545,667 | 3,259 |
| Average equity | $20,050,667 | 3,168 |
| Average total loans | $98,503,000 | 3,261 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 2,414 |
| Cost of funding earning assets | 0.3060% | 4,643 |
| Net interest margin | 4.1575% | 1,010 |
| Noninterest income to average assets | 0.5041% | 2,530 |
| Noninterest expense to average assets | 3.1177% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1050% | 1,828 |
| Return on assets (ROA) | 1.1205% | 1,879 |
| Pretax return on assets | 1.3890% | 1,597 |
| Return on Equity (ROE) | 8.2566% | 2,405 |
| Retained earnings to average equity (ytd only) | 8.2566% | 1,154 |
| Net charge-offs to loans | 0.0042% | 2,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 500.0000% | 127 |
| Efficiency ratio | 69.4750% | 2,432 |
| Assets per employee ($millions) | 3.7072% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,639 |
| Loan loss allowance to noncurrent loans | 627.4194% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 4,003 |
| Noncurrent loans to loans | 0.1922% | 3,791 |
| Net loans and leases to total assets | 64.4689% | 3,007 |
| Net loans and leases to deposits | 76.5263% | 3,027 |
| Net loans and leases to core deposits | 77.5117% | 3,391 |
| Total domestic deposits to total assets | 84.2441% | 2,694 |
| Equity capital to assets | 13.5481% | 1,204 |
| Core capital (leverage) ratio | 14.5679% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,003,500 | 3,379 |
| Average earning assets | $139,891,500 | 3,311 |
| Average equity | $19,814,500 | 3,186 |
| Average total loans | $95,442,000 | 3,291 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 2,742 |
| Cost of funding earning assets | 0.2808% | 4,772 |
| Net interest margin | 4.2809% | 1,132 |
| Noninterest income to average assets | 0.5318% | 2,570 |
| Noninterest expense to average assets | 3.2147% | 1,486 |
| Loan and lease loss provision to assets | 0.0350% | 3,308 |
| Net operating income to assets | 1.1029% | 2,434 |
| Return on assets (ROA) | 1.1190% | 2,469 |
| Pretax return on assets | 1.4252% | 2,064 |
| Return on Equity (ROE) | 8.3820% | 3,000 |
| Retained earnings to average equity (ytd only) | 5.8574% | 1,942 |
| Net charge-offs to loans | 0.0447% | 2,491 |
| Credit loss provision to net charge-offs | 121.9512% | 2,081 |
| Earnings coverage of net charge-offs (x) | 50.1220% | 1,128 |
| Efficiency ratio | 69.0652% | 2,308 |
| Assets per employee ($millions) | 3.4219% | 4,551 |
| Cash dividends to net income (ytd only)* | 30.1190% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,226 |
| Loan loss allowance to noncurrent loans | 350.7508% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 3,262 |
| Noncurrent loans to loans | 0.3538% | 3,180 |
| Net loans and leases to total assets | 64.6744% | 3,109 |
| Net loans and leases to deposits | 76.9326% | 3,095 |
| Net loans and leases to core deposits | 77.6914% | 3,466 |
| Total domestic deposits to total assets | 84.0662% | 2,830 |
| Equity capital to assets | 13.5952% | 1,249 |
| Core capital (leverage) ratio | 14.3926% | 829 |
| Tier 1 risk-based capital ratio | 25.2080% | 735 |
| Total risk-based capital ratio | 26.4600% | 721 |
| Memoranda: | ||
| Average total assets | $142,719,600 | 3,398 |
| Average earning assets | $137,447,000 | 3,319 |
| Average equity | $19,052,800 | 3,219 |
| Average total loans | $91,732,200 | 3,360 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 2,947 |
| Cost of funding earning assets | 0.2721% | 4,865 |
| Net interest margin | 4.2626% | 1,246 |
| Noninterest income to average assets | 0.5203% | 2,604 |
| Noninterest expense to average assets | 3.1744% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1391% | 2,417 |
| Return on assets (ROA) | 1.1539% | 2,438 |
| Pretax return on assets | 1.4702% | 2,046 |
| Return on Equity (ROE) | 8.6838% | 3,016 |
| Retained earnings to average equity (ytd only) | 8.0922% | 1,354 |
| Net charge-offs to loans | 0.0600% | 1,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 37.8260% | 1,418 |
| Efficiency ratio | 68.6223% | 2,317 |
| Assets per employee ($millions) | 3.4640% | 4,535 |
| Cash dividends to net income (ytd only)* | 6.8128% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,442 |
| Loan loss allowance to noncurrent loans | 263.6792% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 3,388 |
| Noncurrent loans to loans | 0.4602% | 2,920 |
| Net loans and leases to total assets | 62.5534% | 3,435 |
| Net loans and leases to deposits | 74.0051% | 3,471 |
| Net loans and leases to core deposits | 74.7190% | 3,786 |
| Total domestic deposits to total assets | 84.5258% | 2,618 |
| Equity capital to assets | 13.5586% | 1,335 |
| Core capital (leverage) ratio | 14.3122% | 902 |
| Tier 1 risk-based capital ratio | 25.7121% | 724 |
| Total risk-based capital ratio | 26.9635% | 711 |
| Memoranda: | ||
| Average total assets | $142,469,500 | 3,437 |
| Average earning assets | $137,221,000 | 3,356 |
| Average equity | $18,931,250 | 3,255 |
| Average total loans | $91,135,750 | 3,415 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5081% | 2,987 |
| Cost of funding earning assets | 0.2584% | 4,931 |
| Net interest margin | 4.2497% | 1,238 |
| Noninterest income to average assets | 0.5076% | 2,634 |
| Noninterest expense to average assets | 3.1966% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1008% | 2,519 |
| Return on assets (ROA) | 1.1042% | 2,580 |
| Pretax return on assets | 1.4067% | 2,186 |
| Return on Equity (ROE) | 8.3680% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.4680% | 1,618 |
| Net charge-offs to loans | 0.0022% | 3,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 992.0000% | 70 |
| Efficiency ratio | 69.5051% | 2,309 |
| Assets per employee ($millions) | 3.4283% | 4,579 |
| Cash dividends to net income (ytd only)* | 10.7554% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,035 |
| Loan loss allowance to noncurrent loans | 2,824.3902% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,630 |
| Noncurrent loans to loans | 0.0459% | 4,482 |
| Net loans and leases to total assets | 61.2555% | 3,624 |
| Net loans and leases to deposits | 72.3129% | 3,660 |
| Net loans and leases to core deposits | 72.8600% | 3,953 |
| Total domestic deposits to total assets | 84.7090% | 2,594 |
| Equity capital to assets | 13.3484% | 1,405 |
| Core capital (leverage) ratio | 14.2130% | 902 |
| Tier 1 risk-based capital ratio | 25.2903% | 730 |
| Total risk-based capital ratio | 26.5423% | 717 |
| Memoranda: | ||
| Average total assets | $141,463,670 | 3,476 |
| Average earning assets | $136,198,670 | 3,390 |
| Average equity | $18,666,330 | 3,284 |
| Average total loans | $90,806,000 | 3,440 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 3,006 |
| Cost of funding earning assets | 0.2373% | 5,017 |
| Net interest margin | 4.2232% | 1,254 |
| Noninterest income to average assets | 0.4850% | 2,643 |
| Noninterest expense to average assets | 3.1669% | 1,585 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0831% | 2,533 |
| Return on assets (ROA) | 1.0899% | 2,556 |
| Pretax return on assets | 1.3894% | 2,124 |
| Return on Equity (ROE) | 8.3091% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.3091% | 1,546 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6361% | 2,403 |
| Assets per employee ($millions) | 3.4534% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,230 |
| Loan loss allowance to noncurrent loans | 1,287.7778% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 4,505 |
| Noncurrent loans to loans | 0.0986% | 4,303 |
| Net loans and leases to total assets | 63.6683% | 3,327 |
| Net loans and leases to deposits | 75.1396% | 3,342 |
| Net loans and leases to core deposits | 75.4351% | 3,695 |
| Total domestic deposits to total assets | 84.7334% | 2,776 |
| Equity capital to assets | 13.2029% | 1,347 |
| Core capital (leverage) ratio | 14.4660% | 824 |
| Tier 1 risk-based capital ratio | 24.9513% | 763 |
| Total risk-based capital ratio | 26.2036% | 749 |
| Memoranda: | ||
| Average total assets | $140,202,000 | 3,528 |
| Average earning assets | $134,875,500 | 3,443 |
| Average equity | $18,389,500 | 3,322 |
| Average total loans | $91,530,000 | 3,462 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 3,255 |
| Cost of funding earning assets | 0.1982% | 5,009 |
| Net interest margin | 4.0577% | 1,796 |
| Noninterest income to average assets | 0.5289% | 2,664 |
| Noninterest expense to average assets | 3.1799% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9936% | 3,036 |
| Return on assets (ROA) | 0.9936% | 3,030 |
| Pretax return on assets | 1.2505% | 2,691 |
| Return on Equity (ROE) | 7.9556% | 3,461 |
| Retained earnings to average equity (ytd only) | 5.3266% | 2,581 |
| Net charge-offs to loans | -0.0483% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7738% | 1,938 |
| Assets per employee ($millions) | 3.3051% | 4,734 |
| Cash dividends to net income (ytd only)* | 33.0460% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,234 |
| Loan loss allowance to noncurrent loans | 6,438.8889% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 4,837 |
| Noncurrent loans to loans | 0.0196% | 4,703 |
| Net loans and leases to total assets | 65.2629% | 3,230 |
| Net loans and leases to deposits | 78.9284% | 3,057 |
| Net loans and leases to core deposits | 79.2522% | 3,480 |
| Total domestic deposits to total assets | 82.6862% | 3,429 |
| Equity capital to assets | 13.0282% | 1,330 |
| Core capital (leverage) ratio | 13.9120% | 945 |
| Tier 1 risk-based capital ratio | 24.1265% | 816 |
| Total risk-based capital ratio | 25.3781% | 795 |
| Memoranda: | ||
| Average total assets | $140,099,200 | 3,503 |
| Average earning assets | $134,706,200 | 3,429 |
| Average equity | $17,497,000 | 3,346 |
| Average total loans | $91,044,600 | 3,461 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 3,439 |
| Cost of funding earning assets | 0.1936% | 5,040 |
| Net interest margin | 3.9635% | 2,079 |
| Noninterest income to average assets | 0.5137% | 2,782 |
| Noninterest expense to average assets | 3.1334% | 1,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9457% | 3,319 |
| Return on assets (ROA) | 0.9457% | 3,330 |
| Pretax return on assets | 1.1897% | 3,030 |
| Return on Equity (ROE) | 7.6540% | 3,681 |
| Retained earnings to average equity (ytd only) | 7.0776% | 2,090 |
| Net charge-offs to loans | -0.0631% | 5,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4797% | 1,811 |
| Assets per employee ($millions) | 3.3582% | 4,719 |
| Cash dividends to net income (ytd only)* | 7.5303% | 3,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 2,343 |
| Loan loss allowance to noncurrent loans | 864.1791% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 4,500 |
| Noncurrent loans to loans | 0.1452% | 4,237 |
| Net loans and leases to total assets | 64.6314% | 3,349 |
| Net loans and leases to deposits | 77.7248% | 3,260 |
| Net loans and leases to core deposits | 78.0369% | 3,653 |
| Total domestic deposits to total assets | 83.1541% | 3,247 |
| Equity capital to assets | 12.5522% | 1,550 |
| Core capital (leverage) ratio | 13.9582% | 947 |
| Tier 1 risk-based capital ratio | 23.6698% | 872 |
| Total risk-based capital ratio | 24.9215% | 857 |
| Memoranda: | ||
| Average total assets | $140,420,500 | 3,536 |
| Average earning assets | $134,961,250 | 3,463 |
| Average equity | $17,350,000 | 3,386 |
| Average total loans | $90,867,500 | 3,488 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 3,567 |
| Cost of funding earning assets | 0.1914% | 5,068 |
| Net interest margin | 3.8719% | 2,303 |
| Noninterest income to average assets | 0.5021% | 2,851 |
| Noninterest expense to average assets | 3.1538% | 1,653 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8501% | 3,678 |
| Return on assets (ROA) | 0.8501% | 3,677 |
| Pretax return on assets | 1.0698% | 3,435 |
| Return on Equity (ROE) | 6.9174% | 3,927 |
| Retained earnings to average equity (ytd only) | 6.0469% | 2,534 |
| Net charge-offs to loans | -0.0708% | 5,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6707% | 1,613 |
| Assets per employee ($millions) | 3.3487% | 4,771 |
| Cash dividends to net income (ytd only)* | 12.5839% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,326 |
| Loan loss allowance to noncurrent loans | 327.7143% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 3,767 |
| Noncurrent loans to loans | 0.3874% | 3,308 |
| Net loans and leases to total assets | 63.4221% | 3,461 |
| Net loans and leases to deposits | 75.9524% | 3,340 |
| Net loans and leases to core deposits | 76.2569% | 3,726 |
| Total domestic deposits to total assets | 83.5024% | 3,249 |
| Equity capital to assets | 12.3609% | 1,623 |
| Core capital (leverage) ratio | 13.6143% | 1,028 |
| Tier 1 risk-based capital ratio | 23.4773% | 890 |
| Total risk-based capital ratio | 24.7287% | 862 |
| Memoranda: | ||
| Average total assets | $140,213,000 | 3,570 |
| Average earning assets | $134,766,670 | 3,493 |
| Average equity | $17,232,000 | 3,418 |
| Average total loans | $90,384,670 | 3,506 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 3,769 |
| Cost of funding earning assets | 0.1933% | 5,053 |
| Net interest margin | 3.7642% | 2,568 |
| Noninterest income to average assets | 0.4857% | 2,893 |
| Noninterest expense to average assets | 3.1829% | 1,604 |
| Loan and lease loss provision to assets | 0.0429% | 2,900 |
| Net operating income to assets | 0.7000% | 4,099 |
| Return on assets (ROA) | 0.7000% | 4,104 |
| Pretax return on assets | 0.8772% | 3,920 |
| Return on Equity (ROE) | 5.7125% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.7125% | 2,848 |
| Net charge-offs to loans | 0.1018% | 1,176 |
| Credit loss provision to net charge-offs | 65.2174% | 1,866 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,727 |
| Efficiency ratio | 77.5766% | 1,395 |
| Assets per employee ($millions) | 3.6592% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,616 |
| Loan loss allowance to noncurrent loans | 3,255.8824% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 4,865 |
| Noncurrent loans to loans | 0.0379% | 4,801 |
| Net loans and leases to total assets | 62.1575% | 3,530 |
| Net loans and leases to deposits | 74.1904% | 3,395 |
| Net loans and leases to core deposits | 74.4819% | 3,781 |
| Total domestic deposits to total assets | 83.7811% | 3,410 |
| Equity capital to assets | 12.0132% | 1,775 |
| Core capital (leverage) ratio | 13.5807% | 985 |
| Tier 1 risk-based capital ratio | 23.3418% | 912 |
| Total risk-based capital ratio | 24.5931% | 887 |
| Memoranda: | ||
| Average total assets | $139,997,000 | 3,604 |
| Average earning assets | $134,530,500 | 3,528 |
| Average equity | $17,155,500 | 3,456 |
| Average total loans | $90,403,500 | 3,533 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,697 |
| Cost of funding earning assets | 0.1953% | 4,984 |
| Net interest margin | 3.7127% | 2,748 |
| Noninterest income to average assets | 0.5148% | 2,912 |
| Noninterest expense to average assets | 3.0084% | 2,149 |
| Loan and lease loss provision to assets | 0.0170% | 3,956 |
| Net operating income to assets | 0.5638% | 4,174 |
| Return on assets (ROA) | 0.5638% | 4,203 |
| Pretax return on assets | 1.0523% | 3,372 |
| Return on Equity (ROE) | 4.5884% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.1728% | 4,020 |
| Net charge-offs to loans | 0.0111% | 3,698 |
| Credit loss provision to net charge-offs | 240.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 150.6000% | 478 |
| Efficiency ratio | 73.7768% | 1,926 |
| Assets per employee ($millions) | 3.3484% | 4,881 |
| Cash dividends to net income (ytd only)* | 52.6448% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,632 |
| Loan loss allowance to noncurrent loans | 675.7576% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 4,532 |
| Noncurrent loans to loans | 0.1813% | 4,194 |
| Net loans and leases to total assets | 65.4701% | 3,162 |
| Net loans and leases to deposits | 78.5335% | 3,061 |
| Net loans and leases to core deposits | 78.8559% | 3,512 |
| Total domestic deposits to total assets | 83.3659% | 3,437 |
| Equity capital to assets | 12.5047% | 1,517 |
| Core capital (leverage) ratio | 13.4445% | 989 |
| Tier 1 risk-based capital ratio | 23.1260% | 904 |
| Total risk-based capital ratio | 24.3770% | 881 |
| Memoranda: | ||
| Average total assets | $140,837,200 | 3,601 |
| Average earning assets | $135,157,800 | 3,524 |
| Average equity | $17,304,600 | 3,459 |
| Average total loans | $90,134,600 | 3,522 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 3,837 |
| Cost of funding earning assets | 0.1941% | 5,023 |
| Net interest margin | 3.6540% | 2,934 |
| Noninterest income to average assets | 0.4939% | 3,060 |
| Noninterest expense to average assets | 2.9756% | 2,179 |
| Loan and lease loss provision to assets | 0.0085% | 3,963 |
| Net operating income to assets | 0.7187% | 3,877 |
| Return on assets (ROA) | 0.7187% | 3,939 |
| Pretax return on assets | 1.0160% | 3,620 |
| Return on Equity (ROE) | 5.8748% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.2981% | 2,686 |
| Net charge-offs to loans | -0.0133% | 4,724 |
| Credit loss provision to net charge-offs | -100.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3885% | 1,832 |
| Assets per employee ($millions) | 3.5437% | 4,660 |
| Cash dividends to net income (ytd only)* | 9.8170% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,728 |
| Loan loss allowance to noncurrent loans | 501.7937% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,481 |
| Noncurrent loans to loans | 0.2457% | 4,071 |
| Net loans and leases to total assets | 63.2390% | 3,522 |
| Net loans and leases to deposits | 75.5512% | 3,419 |
| Net loans and leases to core deposits | 75.8504% | 3,810 |
| Total domestic deposits to total assets | 83.7035% | 3,228 |
| Equity capital to assets | 12.5469% | 1,634 |
| Core capital (leverage) ratio | 13.3929% | 1,061 |
| Tier 1 risk-based capital ratio | 22.8478% | 958 |
| Total risk-based capital ratio | 24.0991% | 946 |
| Memoranda: | ||
| Average total assets | $141,725,500 | 3,625 |
| Average earning assets | $135,995,500 | 3,535 |
| Average equity | $17,339,000 | 3,487 |
| Average total loans | $89,919,500 | 3,559 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 3,889 |
| Cost of funding earning assets | 0.1908% | 5,062 |
| Net interest margin | 3.6106% | 2,999 |
| Noninterest income to average assets | 0.4855% | 3,112 |
| Noninterest expense to average assets | 2.9707% | 2,193 |
| Loan and lease loss provision to assets | 0.0085% | 3,757 |
| Net operating income to assets | 0.6929% | 3,874 |
| Return on assets (ROA) | 0.6929% | 3,942 |
| Pretax return on assets | 0.9780% | 3,642 |
| Return on Equity (ROE) | 5.7125% | 4,175 |
| Retained earnings to average equity (ytd only) | 4.8399% | 2,817 |
| Net charge-offs to loans | -0.0134% | 4,630 |
| Credit loss provision to net charge-offs | -100.0000% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0713% | 1,845 |
| Assets per employee ($millions) | 3.3396% | 4,935 |
| Cash dividends to net income (ytd only)* | 15.2749% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,803 |
| Loan loss allowance to noncurrent loans | 289.8438% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 4,027 |
| Noncurrent loans to loans | 0.4256% | 3,491 |
| Net loans and leases to total assets | 63.5278% | 3,447 |
| Net loans and leases to deposits | 75.5744% | 3,391 |
| Net loans and leases to core deposits | 77.1895% | 3,665 |
| Total domestic deposits to total assets | 84.0599% | 3,169 |
| Equity capital to assets | 12.4944% | 1,625 |
| Core capital (leverage) ratio | 13.2721% | 1,066 |
| Tier 1 risk-based capital ratio | 22.6114% | 981 |
| Total risk-based capital ratio | 23.8632% | 966 |
| Memoranda: | ||
| Average total assets | $141,718,000 | 3,638 |
| Average earning assets | $136,266,330 | 3,553 |
| Average equity | $17,190,330 | 3,509 |
| Average total loans | $89,639,670 | 3,584 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 3,875 |
| Cost of funding earning assets | 0.1839% | 5,121 |
| Net interest margin | 3.5841% | 2,942 |
| Noninterest income to average assets | 0.4746% | 3,154 |
| Noninterest expense to average assets | 2.9260% | 2,375 |
| Loan and lease loss provision to assets | 0.0084% | 3,448 |
| Net operating income to assets | 0.6964% | 3,726 |
| Return on assets (ROA) | 0.6964% | 3,762 |
| Pretax return on assets | 0.9884% | 3,415 |
| Return on Equity (ROE) | 5.8274% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.8274% | 2,425 |
| Net charge-offs to loans | -0.0313% | 4,950 |
| Credit loss provision to net charge-offs | -42.8571% | 3,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5884% | 2,128 |
| Assets per employee ($millions) | 3.4417% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 2,880 |
| Loan loss allowance to noncurrent loans | 1,633.8235% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,105 |
| Noncurrent loans to loans | 0.0760% | 4,896 |
| Net loans and leases to total assets | 64.2011% | 3,246 |
| Net loans and leases to deposits | 76.4880% | 3,137 |
| Net loans and leases to core deposits | 78.1566% | 3,455 |
| Total domestic deposits to total assets | 83.9361% | 3,502 |
| Equity capital to assets | 12.4894% | 1,541 |
| Core capital (leverage) ratio | 13.5230% | 970 |
| Tier 1 risk-based capital ratio | 22.9407% | 985 |
| Total risk-based capital ratio | 24.1922% | 964 |
| Memoranda: | ||
| Average total assets | $142,445,500 | 3,659 |
| Average earning assets | $137,051,500 | 3,572 |
| Average equity | $17,023,000 | 3,547 |
| Average total loans | $89,350,000 | 3,611 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 3,669 |
| Cost of funding earning assets | 0.2188% | 4,844 |
| Net interest margin | 3.6549% | 2,874 |
| Noninterest income to average assets | 0.5872% | 2,726 |
| Noninterest expense to average assets | 3.1411% | 1,920 |
| Loan and lease loss provision to assets | 0.1845% | 1,283 |
| Net operating income to assets | 0.5305% | 4,509 |
| Return on assets (ROA) | 0.5316% | 4,596 |
| Pretax return on assets | 0.7615% | 4,296 |
| Return on Equity (ROE) | 4.2564% | 4,755 |
| Retained earnings to average equity (ytd only) | 1.9289% | 4,440 |
| Net charge-offs to loans | 0.4540% | 561 |
| Credit loss provision to net charge-offs | 61.6137% | 3,221 |
| Earnings coverage of net charge-offs (x) | 3.1540% | 3,717 |
| Efficiency ratio | 76.8817% | 1,868 |
| Assets per employee ($millions) | 3.5053% | 4,752 |
| Cash dividends to net income (ytd only)* | 54.6832% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,913 |
| Loan loss allowance to noncurrent loans | 109.5522% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6826% | 2,666 |
| Noncurrent loans to loans | 1.1266% | 1,827 |
| Net loans and leases to total assets | 59.8436% | 3,874 |
| Net loans and leases to deposits | 69.8521% | 3,920 |
| Net loans and leases to core deposits | 70.1116% | 4,236 |
| Total domestic deposits to total assets | 85.6720% | 2,746 |
| Equity capital to assets | 11.4467% | 2,215 |
| Core capital (leverage) ratio | 13.4593% | 987 |
| Tier 1 risk-based capital ratio | 22.3214% | 1,037 |
| Total risk-based capital ratio | 23.5733% | 1,018 |
| Memoranda: | ||
| Average total assets | $136,576,800 | 3,725 |
| Average earning assets | $130,730,000 | 3,641 |
| Average equity | $17,056,600 | 3,546 |
| Average total loans | $90,085,200 | 3,574 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,341 |
| Cost of funding earning assets | 0.2261% | 4,823 |
| Net interest margin | 3.7400% | 2,551 |
| Noninterest income to average assets | 0.6034% | 2,645 |
| Noninterest expense to average assets | 3.1940% | 1,790 |
| Loan and lease loss provision to assets | 0.2240% | 914 |
| Net operating income to assets | 0.5300% | 4,572 |
| Return on assets (ROA) | 0.5307% | 4,673 |
| Pretax return on assets | 0.7597% | 4,441 |
| Return on Equity (ROE) | 4.1540% | 4,849 |
| Retained earnings to average equity (ytd only) | 3.5694% | 3,755 |
| Net charge-offs to loans | 0.6541% | 306 |
| Credit loss provision to net charge-offs | 50.7901% | 3,022 |
| Earnings coverage of net charge-offs (x) | 2.2280% | 3,602 |
| Efficiency ratio | 76.4720% | 1,907 |
| Assets per employee ($millions) | 3.2180% | 5,152 |
| Cash dividends to net income (ytd only)* | 14.0716% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 3,511 |
| Loan loss allowance to noncurrent loans | 130.3258% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 3,141 |
| Noncurrent loans to loans | 0.8870% | 2,488 |
| Net loans and leases to total assets | 65.7926% | 3,158 |
| Net loans and leases to deposits | 78.4806% | 3,138 |
| Net loans and leases to core deposits | 78.8047% | 3,574 |
| Total domestic deposits to total assets | 83.8330% | 3,261 |
| Equity capital to assets | 12.8575% | 1,566 |
| Core capital (leverage) ratio | 13.5020% | 999 |
| Tier 1 risk-based capital ratio | 22.3897% | 1,078 |
| Total risk-based capital ratio | 23.6401% | 1,060 |
| Memoranda: | ||
| Average total assets | $133,915,500 | 3,792 |
| Average earning assets | $127,946,250 | 3,703 |
| Average equity | $17,107,750 | 3,566 |
| Average total loans | $90,305,500 | 3,586 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 3,283 |
| Cost of funding earning assets | 0.2295% | 4,858 |
| Net interest margin | 3.7582% | 2,484 |
| Noninterest income to average assets | 0.6277% | 2,472 |
| Noninterest expense to average assets | 3.2209% | 1,760 |
| Loan and lease loss provision to assets | 0.3146% | 556 |
| Net operating income to assets | 0.4694% | 4,803 |
| Return on assets (ROA) | 0.4704% | 4,891 |
| Pretax return on assets | 0.6756% | 4,696 |
| Return on Equity (ROE) | 3.6903% | 5,019 |
| Retained earnings to average equity (ytd only) | 2.8088% | 4,112 |
| Net charge-offs to loans | 0.9799% | 190 |
| Credit loss provision to net charge-offs | 47.4041% | 2,697 |
| Earnings coverage of net charge-offs (x) | 1.4898% | 3,406 |
| Efficiency ratio | 76.5125% | 2,003 |
| Assets per employee ($millions) | 3.1893% | 5,220 |
| Cash dividends to net income (ytd only)* | 23.8854% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 3,610 |
| Loan loss allowance to noncurrent loans | 120.0234% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 3,087 |
| Noncurrent loans to loans | 0.9621% | 2,356 |
| Net loans and leases to total assets | 65.4996% | 3,152 |
| Net loans and leases to deposits | 78.0983% | 3,150 |
| Net loans and leases to core deposits | 78.4243% | 3,615 |
| Total domestic deposits to total assets | 83.8681% | 3,324 |
| Equity capital to assets | 12.8150% | 1,605 |
| Core capital (leverage) ratio | 13.3516% | 1,037 |
| Tier 1 risk-based capital ratio | 21.8875% | 1,150 |
| Total risk-based capital ratio | 23.1370% | 1,133 |
| Memoranda: | ||
| Average total assets | $133,501,330 | 3,819 |
| Average earning assets | $127,242,330 | 3,734 |
| Average equity | $17,017,670 | 3,588 |
| Average total loans | $90,419,330 | 3,601 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,239 |
| Cost of funding earning assets | 0.2299% | 4,904 |
| Net interest margin | 3.7658% | 2,419 |
| Noninterest income to average assets | 0.5192% | 2,991 |
| Noninterest expense to average assets | 3.2234% | 1,783 |
| Loan and lease loss provision to assets | 0.0090% | 3,571 |
| Net operating income to assets | 0.6132% | 4,117 |
| Return on assets (ROA) | 0.6153% | 4,227 |
| Pretax return on assets | 0.8794% | 3,934 |
| Return on Equity (ROE) | 4.8396% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.8396% | 3,041 |
| Net charge-offs to loans | -0.0044% | 4,254 |
| Credit loss provision to net charge-offs | -300.0000% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4514% | 1,830 |
| Assets per employee ($millions) | 3.2953% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 2,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 4,711 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 66.7695% | 2,847 |
| Net loans and leases to deposits | 79.4279% | 2,870 |
| Net loans and leases to core deposits | 80.4041% | 3,287 |
| Total domestic deposits to total assets | 84.0631% | 3,494 |
| Equity capital to assets | 12.6610% | 1,584 |
| Core capital (leverage) ratio | 13.5492% | 966 |
| Tier 1 risk-based capital ratio | 21.7555% | 1,197 |
| Total risk-based capital ratio | 23.0095% | 1,177 |
| Memoranda: | ||
| Average total assets | $133,276,000 | 3,852 |
| Average earning assets | $127,038,500 | 3,766 |
| Average equity | $16,943,500 | 3,599 |
| Average total loans | $91,247,500 | 3,591 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 3,369 |
| Cost of funding earning assets | 0.2365% | 4,931 |
| Net interest margin | 3.7466% | 2,570 |
| Noninterest income to average assets | 0.5867% | 2,789 |
| Noninterest expense to average assets | 3.2504% | 1,838 |
| Loan and lease loss provision to assets | 0.0090% | 4,219 |
| Net operating income to assets | 0.6454% | 4,056 |
| Return on assets (ROA) | 0.6454% | 4,150 |
| Pretax return on assets | 0.9188% | 3,769 |
| Return on Equity (ROE) | 5.1530% | 4,434 |
| Retained earnings to average equity (ytd only) | 2.8922% | 4,004 |
| Net charge-offs to loans | 0.0192% | 3,884 |
| Credit loss provision to net charge-offs | 70.5882% | 3,116 |
| Earnings coverage of net charge-offs (x) | 72.4706% | 747 |
| Efficiency ratio | 77.7938% | 1,998 |
| Assets per employee ($millions) | 2.9874% | 5,528 |
| Cash dividends to net income (ytd only)* | 43.8740% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 2,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 4,736 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 68.2907% | 2,657 |
| Net loans and leases to deposits | 81.4083% | 2,660 |
| Net loans and leases to core deposits | 82.4385% | 3,099 |
| Total domestic deposits to total assets | 83.8867% | 3,528 |
| Equity capital to assets | 12.7667% | 1,479 |
| Core capital (leverage) ratio | 13.4868% | 974 |
| Tier 1 risk-based capital ratio | 21.5648% | 1,212 |
| Total risk-based capital ratio | 22.8186% | 1,189 |
| Memoranda: | ||
| Average total assets | $132,783,400 | 3,835 |
| Average earning assets | $127,289,600 | 3,751 |
| Average equity | $16,631,000 | 3,578 |
| Average total loans | $88,321,200 | 3,625 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 3,535 |
| Cost of funding earning assets | 0.2369% | 5,019 |
| Net interest margin | 3.7145% | 2,701 |
| Noninterest income to average assets | 0.5609% | 2,977 |
| Noninterest expense to average assets | 3.2051% | 1,954 |
| Loan and lease loss provision to assets | 0.0120% | 4,029 |
| Net operating income to assets | 0.6400% | 4,180 |
| Return on assets (ROA) | 0.6400% | 4,298 |
| Pretax return on assets | 0.9084% | 3,956 |
| Return on Equity (ROE) | 5.1344% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.5318% | 3,245 |
| Net charge-offs to loans | 0.0289% | 3,360 |
| Credit loss provision to net charge-offs | 63.1579% | 2,874 |
| Earnings coverage of net charge-offs (x) | 48.3735% | 1,079 |
| Efficiency ratio | 77.6888% | 1,996 |
| Assets per employee ($millions) | 3.0879% | 5,442 |
| Cash dividends to net income (ytd only)* | 11.7374% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 2,598 |
| Loan loss allowance to noncurrent loans | 815.5844% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 4,472 |
| Noncurrent loans to loans | 0.1717% | 4,965 |
| Net loans and leases to total assets | 66.6021% | 2,920 |
| Net loans and leases to deposits | 79.2776% | 2,959 |
| Net loans and leases to core deposits | 79.5472% | 3,458 |
| Total domestic deposits to total assets | 84.0113% | 3,420 |
| Equity capital to assets | 12.7752% | 1,577 |
| Core capital (leverage) ratio | 13.2832% | 1,100 |
| Tier 1 risk-based capital ratio | 21.7974% | 1,225 |
| Total risk-based capital ratio | 23.0515% | 1,201 |
| Memoranda: | ||
| Average total assets | $133,118,250 | 3,879 |
| Average earning assets | $127,749,250 | 3,782 |
| Average equity | $16,593,500 | 3,611 |
| Average total loans | $87,646,000 | 3,679 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 3,595 |
| Cost of funding earning assets | 0.2391% | 5,065 |
| Net interest margin | 3.6860% | 2,770 |
| Noninterest income to average assets | 0.5539% | 3,016 |
| Noninterest expense to average assets | 3.1840% | 2,023 |
| Loan and lease loss provision to assets | 0.0180% | 3,764 |
| Net operating income to assets | 0.6290% | 4,219 |
| Return on assets (ROA) | 0.6290% | 4,334 |
| Pretax return on assets | 0.8932% | 3,983 |
| Return on Equity (ROE) | 5.0879% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.1772% | 3,370 |
| Net charge-offs to loans | -0.1886% | 6,007 |
| Credit loss provision to net charge-offs | -14.6341% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7493% | 2,103 |
| Assets per employee ($millions) | 3.0456% | 5,539 |
| Cash dividends to net income (ytd only)* | 17.8998% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 2,072 |
| Loan loss allowance to noncurrent loans | 257.4953% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 4,327 |
| Noncurrent loans to loans | 0.6037% | 3,659 |
| Net loans and leases to total assets | 64.1312% | 3,249 |
| Net loans and leases to deposits | 75.9500% | 3,282 |
| Net loans and leases to core deposits | 77.9322% | 3,581 |
| Total domestic deposits to total assets | 84.4386% | 3,376 |
| Equity capital to assets | 12.3958% | 1,726 |
| Core capital (leverage) ratio | 13.0234% | 1,155 |
| Tier 1 risk-based capital ratio | 22.4379% | 1,144 |
| Total risk-based capital ratio | 23.6939% | 1,126 |
| Memoranda: | ||
| Average total assets | $133,230,670 | 3,904 |
| Average earning assets | $127,998,330 | 3,796 |
| Average equity | $16,470,330 | 3,646 |
| Average total loans | $86,964,330 | 3,715 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 3,474 |
| Cost of funding earning assets | 0.2478% | 5,047 |
| Net interest margin | 3.6892% | 2,659 |
| Noninterest income to average assets | 0.5420% | 3,012 |
| Noninterest expense to average assets | 3.1556% | 2,107 |
| Loan and lease loss provision to assets | 0.0271% | 3,344 |
| Net operating income to assets | 0.6353% | 4,114 |
| Return on assets (ROA) | 0.6353% | 4,236 |
| Pretax return on assets | 0.9003% | 3,893 |
| Return on Equity (ROE) | 5.1463% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.1463% | 2,971 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2861% | 2,300 |
| Assets per employee ($millions) | 3.2578% | 5,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 2,582 |
| Loan loss allowance to noncurrent loans | 1,927.2727% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,740 |
| Noncurrent loans to loans | 0.0762% | 5,468 |
| Net loans and leases to total assets | 63.8512% | 3,110 |
| Net loans and leases to deposits | 75.6356% | 3,097 |
| Net loans and leases to core deposits | 77.3506% | 3,439 |
| Total domestic deposits to total assets | 84.4194% | 3,647 |
| Equity capital to assets | 12.4257% | 1,737 |
| Core capital (leverage) ratio | 13.1898% | 1,093 |
| Tier 1 risk-based capital ratio | 22.6282% | 1,151 |
| Total risk-based capital ratio | 23.8837% | 1,137 |
| Memoranda: | ||
| Average total assets | $132,843,500 | 3,940 |
| Average earning assets | $127,507,000 | 3,837 |
| Average equity | $16,400,000 | 3,676 |
| Average total loans | $86,798,500 | 3,732 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,488 |
| Cost of funding earning assets | 0.3129% | 4,651 |
| Net interest margin | 3.7457% | 2,820 |
| Noninterest income to average assets | 0.5421% | 3,221 |
| Noninterest expense to average assets | 3.0738% | 2,611 |
| Loan and lease loss provision to assets | 0.0515% | 3,532 |
| Net operating income to assets | 0.6950% | 3,918 |
| Return on assets (ROA) | 0.6950% | 4,038 |
| Pretax return on assets | 1.0054% | 3,473 |
| Return on Equity (ROE) | 5.6547% | 4,332 |
| Retained earnings to average equity (ytd only) | 3.3386% | 3,844 |
| Net charge-offs to loans | 0.0317% | 4,192 |
| Credit loss provision to net charge-offs | 251.8519% | 1,012 |
| Earnings coverage of net charge-offs (x) | 51.7037% | 908 |
| Efficiency ratio | 74.4135% | 2,765 |
| Assets per employee ($millions) | 3.1456% | 5,510 |
| Cash dividends to net income (ytd only)* | 40.9586% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 2,690 |
| Loan loss allowance to noncurrent loans | 42,100.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,089 |
| Noncurrent loans to loans | 0.0034% | 5,915 |
| Net loans and leases to total assets | 64.9243% | 3,061 |
| Net loans and leases to deposits | 77.1304% | 3,067 |
| Net loans and leases to core deposits | 80.5666% | 3,229 |
| Total domestic deposits to total assets | 84.1746% | 3,640 |
| Equity capital to assets | 12.2641% | 1,813 |
| Core capital (leverage) ratio | 12.9734% | 1,153 |
| Tier 1 risk-based capital ratio | 22.9387% | 1,096 |
| Total risk-based capital ratio | 24.1938% | 1,070 |
| Memoranda: | ||
| Average total assets | $132,086,000 | 3,940 |
| Average earning assets | $126,544,600 | 3,832 |
| Average equity | $16,234,400 | 3,638 |
| Average total loans | $85,149,600 | 3,735 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 3,588 |
| Cost of funding earning assets | 0.3150% | 4,731 |
| Net interest margin | 3.7271% | 2,916 |
| Noninterest income to average assets | 0.5391% | 3,265 |
| Noninterest expense to average assets | 3.0506% | 2,634 |
| Loan and lease loss provision to assets | 0.0363% | 3,680 |
| Net operating income to assets | 0.7076% | 3,902 |
| Return on assets (ROA) | 0.7076% | 4,007 |
| Pretax return on assets | 1.0236% | 3,506 |
| Return on Equity (ROE) | 5.7544% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.1388% | 2,994 |
| Net charge-offs to loans | -0.0283% | 5,716 |
| Credit loss provision to net charge-offs | -200.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2141% | 2,787 |
| Assets per employee ($millions) | 3.1476% | 5,519 |
| Cash dividends to net income (ytd only)* | 10.6993% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 2,910 |
| Loan loss allowance to noncurrent loans | 319.0000% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 5,054 |
| Noncurrent loans to loans | 0.4568% | 4,533 |
| Net loans and leases to total assets | 65.2733% | 2,986 |
| Net loans and leases to deposits | 77.4503% | 3,012 |
| Net loans and leases to core deposits | 80.8826% | 3,209 |
| Total domestic deposits to total assets | 84.2777% | 3,650 |
| Equity capital to assets | 12.6557% | 1,605 |
| Core capital (leverage) ratio | 13.1721% | 1,111 |
| Tier 1 risk-based capital ratio | 22.9766% | 1,115 |
| Total risk-based capital ratio | 24.2317% | 1,094 |
| Memoranda: | ||
| Average total assets | $132,078,250 | 3,968 |
| Average earning assets | $126,563,750 | 3,868 |
| Average equity | $16,242,250 | 3,660 |
| Average total loans | $84,677,250 | 3,786 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0144% | 3,675 |
| Cost of funding earning assets | 0.3166% | 4,804 |
| Net interest margin | 3.6978% | 2,974 |
| Noninterest income to average assets | 0.5226% | 3,318 |
| Noninterest expense to average assets | 3.0249% | 2,745 |
| Loan and lease loss provision to assets | 0.0454% | 3,407 |
| Net operating income to assets | 0.6892% | 3,903 |
| Return on assets (ROA) | 0.6892% | 3,993 |
| Pretax return on assets | 0.9906% | 3,514 |
| Return on Equity (ROE) | 5.6594% | 4,351 |
| Retained earnings to average equity (ytd only) | 4.7266% | 3,131 |
| Net charge-offs to loans | -0.0621% | 5,970 |
| Credit loss provision to net charge-offs | -115.3846% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4871% | 2,894 |
| Assets per employee ($millions) | 3.0629% | 5,665 |
| Cash dividends to net income (ytd only)* | 16.4835% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4934% | 2,932 |
| Loan loss allowance to noncurrent loans | 2,972.0930% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 6,110 |
| Noncurrent loans to loans | 0.0502% | 5,897 |
| Net loans and leases to total assets | 64.0061% | 3,074 |
| Net loans and leases to deposits | 75.7415% | 3,092 |
| Net loans and leases to core deposits | 79.4642% | 3,266 |
| Total domestic deposits to total assets | 84.5060% | 3,717 |
| Equity capital to assets | 12.4826% | 1,657 |
| Core capital (leverage) ratio | 12.7931% | 1,242 |
| Tier 1 risk-based capital ratio | 23.1615% | 1,090 |
| Total risk-based capital ratio | 24.4178% | 1,074 |
| Memoranda: | ||
| Average total assets | $132,037,330 | 3,992 |
| Average earning assets | $126,345,330 | 3,884 |
| Average equity | $16,079,330 | 3,675 |
| Average total loans | $83,713,670 | 3,819 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 3,702 |
| Cost of funding earning assets | 0.3191% | 4,870 |
| Net interest margin | 3.6773% | 2,959 |
| Noninterest income to average assets | 0.5144% | 3,302 |
| Noninterest expense to average assets | 3.0317% | 2,761 |
| Loan and lease loss provision to assets | 0.0726% | 2,688 |
| Net operating income to assets | 0.6535% | 3,933 |
| Return on assets (ROA) | 0.6535% | 4,032 |
| Pretax return on assets | 0.9319% | 3,587 |
| Return on Equity (ROE) | 5.4343% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.4343% | 2,828 |
| Net charge-offs to loans | -0.0290% | 5,537 |
| Credit loss provision to net charge-offs | -400.0000% | 5,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1124% | 2,949 |
| Assets per employee ($millions) | 3.2861% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 59.9999% | 3,561 |
| Net loans and leases to deposits | 70.3315% | 3,556 |
| Net loans and leases to core deposits | 75.7352% | 3,431 |
| Total domestic deposits to total assets | 85.3101% | 3,717 |
| Equity capital to assets | 11.9237% | 1,923 |
| Core capital (leverage) ratio | 12.5641% | 1,358 |
| Tier 1 risk-based capital ratio | 23.1847% | 1,116 |
| Total risk-based capital ratio | 24.4409% | 1,099 |
| Memoranda: | ||
| Average total assets | $132,204,500 | 4,029 |
| Average earning assets | $126,615,000 | 3,911 |
| Average equity | $15,899,000 | 3,718 |
| Average total loans | $82,782,500 | 3,867 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 3,281 |
| Cost of funding earning assets | 0.3705% | 4,950 |
| Net interest margin | 3.8464% | 2,479 |
| Noninterest income to average assets | 0.6056% | 3,060 |
| Noninterest expense to average assets | 3.2365% | 2,319 |
| Loan and lease loss provision to assets | 0.1004% | 3,127 |
| Net operating income to assets | 0.6575% | 4,001 |
| Return on assets (ROA) | 0.6569% | 4,102 |
| Pretax return on assets | 0.9527% | 3,549 |
| Return on Equity (ROE) | 5.4219% | 4,440 |
| Retained earnings to average equity (ytd only) | 3.1349% | 4,006 |
| Net charge-offs to loans | 0.0818% | 4,068 |
| Credit loss provision to net charge-offs | 195.4545% | 1,174 |
| Earnings coverage of net charge-offs (x) | 20.5152% | 1,546 |
| Efficiency ratio | 75.4354% | 2,869 |
| Assets per employee ($millions) | 3.0157% | 5,806 |
| Cash dividends to net income (ytd only)* | 42.1801% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 3,359 |
| Loan loss allowance to noncurrent loans | 3,491.4286% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 6,313 |
| Noncurrent loans to loans | 0.0419% | 6,116 |
| Net loans and leases to total assets | 63.4284% | 3,140 |
| Net loans and leases to deposits | 75.4509% | 3,036 |
| Net loans and leases to core deposits | 78.8406% | 3,262 |
| Total domestic deposits to total assets | 84.0658% | 4,140 |
| Equity capital to assets | 12.1325% | 1,721 |
| Core capital (leverage) ratio | 12.6214% | 1,295 |
| Tier 1 risk-based capital ratio | 22.2535% | 1,217 |
| Total risk-based capital ratio | 23.5082% | 1,191 |
| Memoranda: | ||
| Average total assets | $128,473,000 | 4,100 |
| Average earning assets | $123,076,400 | 3,990 |
| Average equity | $15,566,600 | 3,772 |
| Average total loans | $80,645,600 | 3,917 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 3,348 |
| Cost of funding earning assets | 0.3822% | 4,975 |
| Net interest margin | 3.8284% | 2,547 |
| Noninterest income to average assets | 0.5971% | 3,162 |
| Noninterest expense to average assets | 3.1540% | 2,493 |
| Loan and lease loss provision to assets | 0.1092% | 2,942 |
| Net operating income to assets | 0.6841% | 3,933 |
| Return on assets (ROA) | 0.6834% | 4,077 |
| Pretax return on assets | 1.0007% | 3,502 |
| Return on Equity (ROE) | 5.6424% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.9983% | 3,088 |
| Net charge-offs to loans | 0.0801% | 3,809 |
| Credit loss provision to net charge-offs | 218.7500% | 1,112 |
| Earnings coverage of net charge-offs (x) | 22.2494% | 1,505 |
| Efficiency ratio | 73.9512% | 3,080 |
| Assets per employee ($millions) | 3.1678% | 5,563 |
| Cash dividends to net income (ytd only)* | 11.4158% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4757% | 3,561 |
| Loan loss allowance to noncurrent loans | 40,533.3333% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,526 |
| Noncurrent loans to loans | 0.0036% | 6,381 |
| Net loans and leases to total assets | 62.5071% | 3,260 |
| Net loans and leases to deposits | 75.7467% | 2,993 |
| Net loans and leases to core deposits | 77.3783% | 3,444 |
| Total domestic deposits to total assets | 82.5213% | 4,747 |
| Equity capital to assets | 11.8965% | 1,985 |
| Core capital (leverage) ratio | 12.5422% | 1,401 |
| Tier 1 risk-based capital ratio | 22.2266% | 1,278 |
| Total risk-based capital ratio | 23.4823% | 1,254 |
| Memoranda: | ||
| Average total assets | $128,172,000 | 4,156 |
| Average earning assets | $122,799,750 | 4,036 |
| Average equity | $15,525,000 | 3,823 |
| Average total loans | $79,938,500 | 3,971 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2003% | 3,365 |
| Cost of funding earning assets | 0.3894% | 5,036 |
| Net interest margin | 3.8108% | 2,512 |
| Noninterest income to average assets | 0.5925% | 3,237 |
| Noninterest expense to average assets | 3.1802% | 2,404 |
| Loan and lease loss provision to assets | 0.1411% | 2,568 |
| Net operating income to assets | 0.6332% | 4,139 |
| Return on assets (ROA) | 0.6332% | 4,287 |
| Pretax return on assets | 0.9216% | 3,826 |
| Return on Equity (ROE) | 5.1963% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.2316% | 3,601 |
| Net charge-offs to loans | 0.1138% | 3,225 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 15.0667% | 1,773 |
| Efficiency ratio | 74.9538% | 2,952 |
| Assets per employee ($millions) | 2.9890% | 5,868 |
| Cash dividends to net income (ytd only)* | 18.5644% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,559 |
| Loan loss allowance to noncurrent loans | 1,911.1111% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 6,360 |
| Noncurrent loans to loans | 0.0788% | 6,159 |
| Net loans and leases to total assets | 61.2595% | 3,435 |
| Net loans and leases to deposits | 74.7451% | 3,048 |
| Net loans and leases to core deposits | 76.3735% | 3,500 |
| Total domestic deposits to total assets | 81.9579% | 5,074 |
| Equity capital to assets | 11.9656% | 1,940 |
| Core capital (leverage) ratio | 12.9651% | 1,177 |
| Tier 1 risk-based capital ratio | 23.2014% | 1,102 |
| Total risk-based capital ratio | 24.4574% | 1,084 |
| Memoranda: | ||
| Average total assets | $127,603,330 | 4,190 |
| Average earning assets | $122,230,330 | 4,079 |
| Average equity | $15,549,670 | 3,844 |
| Average total loans | $79,118,330 | 4,007 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 3,196 |
| Cost of funding earning assets | 0.4042% | 5,064 |
| Net interest margin | 3.8216% | 2,369 |
| Noninterest income to average assets | 0.5694% | 3,304 |
| Noninterest expense to average assets | 3.1996% | 2,355 |
| Loan and lease loss provision to assets | 0.1888% | 1,946 |
| Net operating income to assets | 0.5946% | 4,247 |
| Return on assets (ROA) | 0.5946% | 4,394 |
| Pretax return on assets | 0.8400% | 4,001 |
| Return on Equity (ROE) | 4.8353% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.8353% | 3,338 |
| Net charge-offs to loans | 0.2287% | 2,073 |
| Credit loss provision to net charge-offs | 133.3333% | 1,484 |
| Earnings coverage of net charge-offs (x) | 7.2667% | 2,096 |
| Efficiency ratio | 75.6696% | 2,979 |
| Assets per employee ($millions) | 3.0303% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 3,840 |
| Loan loss allowance to noncurrent loans | 1,565.3333% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 6,428 |
| Noncurrent loans to loans | 0.0957% | 6,194 |
| Net loans and leases to total assets | 60.6829% | 3,313 |
| Net loans and leases to deposits | 73.0432% | 3,041 |
| Net loans and leases to core deposits | 74.6184% | 3,501 |
| Total domestic deposits to total assets | 83.0781% | 4,828 |
| Equity capital to assets | 12.3569% | 1,800 |
| Core capital (leverage) ratio | 13.0392% | 1,103 |
| Tier 1 risk-based capital ratio | 24.0802% | 1,004 |
| Total risk-based capital ratio | 25.3360% | 980 |
| Memoranda: | ||
| Average total assets | $127,141,500 | 4,237 |
| Average earning assets | $121,730,500 | 4,122 |
| Average equity | $15,635,000 | 3,886 |
| Average total loans | $78,708,000 | 4,047 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 3,454 |
| Cost of funding earning assets | 0.4562% | 5,533 |
| Net interest margin | 4.0310% | 2,268 |
| Noninterest income to average assets | 0.6498% | 2,989 |
| Noninterest expense to average assets | 3.2811% | 2,392 |
| Loan and lease loss provision to assets | 0.1642% | 3,559 |
| Net operating income to assets | 0.6881% | 3,793 |
| Return on assets (ROA) | 0.6881% | 4,052 |
| Pretax return on assets | 1.0048% | 3,535 |
| Return on Equity (ROE) | 5.7121% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.4078% | 3,827 |
| Net charge-offs to loans | 0.3588% | 2,837 |
| Credit loss provision to net charge-offs | 72.6644% | 4,081 |
| Earnings coverage of net charge-offs (x) | 5.1730% | 3,121 |
| Efficiency ratio | 73.7305% | 3,107 |
| Assets per employee ($millions) | 2.9537% | 6,078 |
| Cash dividends to net income (ytd only)* | 40.3409% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 3,880 |
| Loan loss allowance to noncurrent loans | 636.8132% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 6,207 |
| Noncurrent loans to loans | 0.2304% | 5,904 |
| Net loans and leases to total assets | 61.2944% | 3,372 |
| Net loans and leases to deposits | 74.3986% | 3,037 |
| Net loans and leases to core deposits | 75.8247% | 3,557 |
| Total domestic deposits to total assets | 82.3864% | 4,971 |
| Equity capital to assets | 12.2376% | 1,898 |
| Core capital (leverage) ratio | 12.1664% | 1,471 |
| Tier 1 risk-based capital ratio | 23.0591% | 1,107 |
| Total risk-based capital ratio | 24.3141% | 1,086 |
| Memoranda: | ||
| Average total assets | $127,883,200 | 4,192 |
| Average earning assets | $120,564,800 | 4,098 |
| Average equity | $15,405,800 | 3,877 |
| Average total loans | $80,552,000 | 4,024 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4944% | 3,659 |
| Cost of funding earning assets | 0.4659% | 5,675 |
| Net interest margin | 4.0286% | 2,386 |
| Noninterest income to average assets | 0.6432% | 3,026 |
| Noninterest expense to average assets | 3.1870% | 2,608 |
| Loan and lease loss provision to assets | 0.2186% | 2,876 |
| Net operating income to assets | 0.6984% | 3,926 |
| Return on assets (ROA) | 0.6984% | 4,171 |
| Pretax return on assets | 1.0179% | 3,644 |
| Return on Equity (ROE) | 5.8201% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.1696% | 3,241 |
| Net charge-offs to loans | 0.3838% | 2,559 |
| Credit loss provision to net charge-offs | 90.1288% | 3,288 |
| Earnings coverage of net charge-offs (x) | 5.0987% | 3,113 |
| Efficiency ratio | 72.0471% | 3,320 |
| Assets per employee ($millions) | 3.5060% | 4,972 |
| Cash dividends to net income (ytd only)* | 11.1777% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 3,958 |
| Loan loss allowance to noncurrent loans | 1,760.8696% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 6,638 |
| Noncurrent loans to loans | 0.0851% | 6,399 |
| Net loans and leases to total assets | 54.2258% | 4,720 |
| Net loans and leases to deposits | 62.6539% | 4,891 |
| Net loans and leases to core deposits | 63.7692% | 5,178 |
| Total domestic deposits to total assets | 86.5481% | 2,954 |
| Equity capital to assets | 10.6655% | 3,645 |
| Core capital (leverage) ratio | 11.6608% | 1,862 |
| Tier 1 risk-based capital ratio | 22.4389% | 1,257 |
| Total risk-based capital ratio | 23.6936% | 1,236 |
| Memoranda: | ||
| Average total assets | $128,101,500 | 4,229 |
| Average earning assets | $120,204,500 | 4,149 |
| Average equity | $15,371,500 | 3,915 |
| Average total loans | $80,937,750 | 4,056 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 2,828 |
| Cost of funding earning assets | 0.4918% | 5,674 |
| Net interest margin | 4.2324% | 1,664 |
| Noninterest income to average assets | 0.6573% | 2,917 |
| Noninterest expense to average assets | 3.2781% | 2,365 |
| Loan and lease loss provision to assets | 0.2958% | 2,213 |
| Net operating income to assets | 0.7098% | 3,819 |
| Return on assets (ROA) | 0.7098% | 4,081 |
| Pretax return on assets | 1.0286% | 3,604 |
| Return on Equity (ROE) | 5.6617% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.6788% | 3,499 |
| Net charge-offs to loans | 0.5217% | 2,023 |
| Credit loss provision to net charge-offs | 85.3081% | 3,177 |
| Earnings coverage of net charge-offs (x) | 3.8199% | 3,256 |
| Efficiency ratio | 71.2246% | 3,562 |
| Assets per employee ($millions) | 2.7685% | 6,447 |
| Cash dividends to net income (ytd only)* | 17.3611% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4870% | 4,071 |
| Loan loss allowance to noncurrent loans | 9,284.6154% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 6,657 |
| Noncurrent loans to loans | 0.0160% | 6,654 |
| Net loans and leases to total assets | 64.1824% | 2,995 |
| Net loans and leases to deposits | 76.0946% | 2,975 |
| Net loans and leases to core deposits | 77.7332% | 3,557 |
| Total domestic deposits to total assets | 84.3455% | 4,168 |
| Equity capital to assets | 12.4045% | 1,874 |
| Core capital (leverage) ratio | 13.0855% | 1,126 |
| Tier 1 risk-based capital ratio | 21.9644% | 1,300 |
| Total risk-based capital ratio | 23.2191% | 1,276 |
| Memoranda: | ||
| Average total assets | $121,718,330 | 4,385 |
| Average earning assets | $113,458,000 | 4,319 |
| Average equity | $15,260,330 | 3,932 |
| Average total loans | $80,896,000 | 4,074 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 2,860 |
| Cost of funding earning assets | 0.5028% | 5,798 |
| Net interest margin | 4.2433% | 1,629 |
| Noninterest income to average assets | 0.6584% | 2,877 |
| Noninterest expense to average assets | 3.2955% | 2,301 |
| Loan and lease loss provision to assets | 0.2993% | 2,090 |
| Net operating income to assets | 0.6983% | 3,889 |
| Return on assets (ROA) | 0.6983% | 4,105 |
| Pretax return on assets | 1.0209% | 3,603 |
| Return on Equity (ROE) | 5.5396% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.5396% | 3,235 |
| Net charge-offs to loans | 0.7330% | 1,386 |
| Credit loss provision to net charge-offs | 60.8108% | 3,097 |
| Earnings coverage of net charge-offs (x) | 2.6824% | 3,113 |
| Efficiency ratio | 71.3977% | 3,557 |
| Assets per employee ($millions) | 2.9056% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 4,275 |
| Loan loss allowance to noncurrent loans | 398.6486% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 6,282 |
| Noncurrent loans to loans | 0.3703% | 5,927 |
| Net loans and leases to total assets | 64.5367% | 2,753 |
| Net loans and leases to deposits | 75.9333% | 2,803 |
| Net loans and leases to core deposits | 77.9782% | 3,324 |
| Total domestic deposits to total assets | 84.9913% | 4,040 |
| Equity capital to assets | 12.4980% | 1,720 |
| Core capital (leverage) ratio | 13.3177% | 1,014 |
| Tier 1 risk-based capital ratio | 22.3263% | 1,235 |
| Total risk-based capital ratio | 23.5810% | 1,212 |
| Memoranda: | ||
| Average total assets | $120,285,500 | 4,445 |
| Average earning assets | $112,177,500 | 4,374 |
| Average equity | $15,163,500 | 3,959 |
| Average total loans | $80,760,000 | 4,104 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 2,763 |
| Cost of funding earning assets | 0.5637% | 6,272 |
| Net interest margin | 4.4646% | 1,216 |
| Noninterest income to average assets | 0.6887% | 2,669 |
| Noninterest expense to average assets | 3.3218% | 2,449 |
| Loan and lease loss provision to assets | 0.4727% | 2,238 |
| Net operating income to assets | 0.7383% | 3,301 |
| Return on assets (ROA) | 0.7390% | 3,469 |
| Pretax return on assets | 1.0443% | 3,055 |
| Return on Equity (ROE) | 5.6525% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.2973% | 3,878 |
| Net charge-offs to loans | 0.7606% | 2,255 |
| Credit loss provision to net charge-offs | 89.0523% | 4,050 |
| Earnings coverage of net charge-offs (x) | 2.8562% | 3,783 |
| Efficiency ratio | 68.6626% | 4,216 |
| Assets per employee ($millions) | 2.7566% | 6,522 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 3,946 |
| Loan loss allowance to noncurrent loans | 325.7895% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 6,175 |
| Noncurrent loans to loans | 0.4658% | 5,779 |
| Net loans and leases to total assets | 67.7808% | 2,444 |
| Net loans and leases to deposits | 79.8386% | 2,552 |
| Net loans and leases to core deposits | 82.2624% | 3,142 |
| Total domestic deposits to total assets | 84.8973% | 3,904 |
| Equity capital to assets | 12.7178% | 1,647 |
| Core capital (leverage) ratio | 13.4608% | 980 |
| Tier 1 risk-based capital ratio | 21.8960% | 1,251 |
| Total risk-based capital ratio | 23.1514% | 1,221 |
| Memoranda: | ||
| Average total assets | $115,297,800 | 4,516 |
| Average earning assets | $107,155,000 | 4,474 |
| Average equity | $15,073,000 | 3,893 |
| Average total loans | $80,465,200 | 4,128 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 2,835 |
| Cost of funding earning assets | 0.5813% | 6,371 |
| Net interest margin | 4.4702% | 1,216 |
| Noninterest income to average assets | 0.6545% | 2,853 |
| Noninterest expense to average assets | 3.3260% | 2,419 |
| Loan and lease loss provision to assets | 0.4484% | 2,228 |
| Net operating income to assets | 0.7340% | 3,456 |
| Return on assets (ROA) | 0.7348% | 3,633 |
| Pretax return on assets | 1.0365% | 3,257 |
| Return on Equity (ROE) | 5.5818% | 4,236 |
| Retained earnings to average equity (ytd only) | 4.9183% | 3,227 |
| Net charge-offs to loans | 0.9910% | 1,624 |
| Credit loss provision to net charge-offs | 64.5973% | 4,649 |
| Earnings coverage of net charge-offs (x) | 2.1376% | 4,063 |
| Efficiency ratio | 69.1525% | 4,103 |
| Assets per employee ($millions) | 2.6369% | 6,738 |
| Cash dividends to net income (ytd only)* | 11.8862% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 4,750 |
| Loan loss allowance to noncurrent loans | 283.4197% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 6,239 |
| Noncurrent loans to loans | 0.4784% | 5,893 |
| Net loans and leases to total assets | 68.6019% | 2,352 |
| Net loans and leases to deposits | 80.8061% | 2,553 |
| Net loans and leases to core deposits | 84.1828% | 3,041 |
| Total domestic deposits to total assets | 84.8970% | 3,816 |
| Equity capital to assets | 13.2896% | 1,468 |
| Core capital (leverage) ratio | 13.7832% | 958 |
| Tier 1 risk-based capital ratio | 22.2365% | 1,246 |
| Total risk-based capital ratio | 23.4897% | 1,225 |
| Memoranda: | ||
| Average total assets | $114,488,500 | 4,569 |
| Average earning assets | $106,421,250 | 4,517 |
| Average equity | $15,072,500 | 3,902 |
| Average total loans | $80,186,000 | 4,166 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 2,811 |
| Cost of funding earning assets | 0.6016% | 6,457 |
| Net interest margin | 4.4713% | 1,198 |
| Noninterest income to average assets | 0.6019% | 3,131 |
| Noninterest expense to average assets | 3.3831% | 2,310 |
| Loan and lease loss provision to assets | 0.2018% | 3,907 |
| Net operating income to assets | 0.8340% | 2,929 |
| Return on assets (ROA) | 0.8353% | 3,034 |
| Pretax return on assets | 1.1792% | 2,564 |
| Return on Equity (ROE) | 6.3649% | 3,761 |
| Retained earnings to average equity (ytd only) | 5.3620% | 2,770 |
| Net charge-offs to loans | 0.1825% | 4,069 |
| Credit loss provision to net charge-offs | 157.5342% | 1,936 |
| Earnings coverage of net charge-offs (x) | 10.7671% | 1,769 |
| Efficiency ratio | 71.0391% | 3,929 |
| Assets per employee ($millions) | 2.5340% | 6,872 |
| Cash dividends to net income (ytd only)* | 15.7563% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 3,477 |
| Loan loss allowance to noncurrent loans | 141.0471% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 5,205 |
| Noncurrent loans to loans | 1.1731% | 4,694 |
| Net loans and leases to total assets | 70.2087% | 2,179 |
| Net loans and leases to deposits | 82.8511% | 2,306 |
| Net loans and leases to core deposits | 86.3962% | 2,846 |
| Total domestic deposits to total assets | 84.7409% | 3,997 |
| Equity capital to assets | 13.3333% | 1,363 |
| Core capital (leverage) ratio | 13.7305% | 936 |
| Tier 1 risk-based capital ratio | 21.9921% | 1,259 |
| Total risk-based capital ratio | 23.2495% | 1,228 |
| Memoranda: | ||
| Average total assets | $113,977,000 | 4,608 |
| Average earning assets | $106,055,330 | 4,563 |
| Average equity | $14,957,000 | 3,915 |
| Average total loans | $80,018,670 | 4,214 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 2,846 |
| Cost of funding earning assets | 0.6315% | 6,470 |
| Net interest margin | 4.4202% | 1,236 |
| Noninterest income to average assets | 0.5441% | 3,550 |
| Noninterest expense to average assets | 3.4120% | 2,248 |
| Loan and lease loss provision to assets | 0.1053% | 4,698 |
| Net operating income to assets | 0.8249% | 2,907 |
| Return on assets (ROA) | 0.8249% | 2,967 |
| Pretax return on assets | 1.1549% | 2,540 |
| Return on Equity (ROE) | 6.3370% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.3370% | 2,449 |
| Net charge-offs to loans | -0.0151% | 6,485 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0278% | 3,677 |
| Assets per employee ($millions) | 2.6191% | 6,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6863% | 3,387 |
| Loan loss allowance to noncurrent loans | 153.4404% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 5,407 |
| Noncurrent loans to loans | 1.0990% | 4,862 |
| Net loans and leases to total assets | 67.6886% | 2,620 |
| Net loans and leases to deposits | 79.6563% | 2,772 |
| Net loans and leases to core deposits | 83.7188% | 3,204 |
| Total domestic deposits to total assets | 84.9758% | 4,043 |
| Equity capital to assets | 12.9693% | 1,394 |
| Core capital (leverage) ratio | 13.5615% | 949 |
| Tier 1 risk-based capital ratio | 22.0580% | 1,218 |
| Total risk-based capital ratio | 23.3156% | 1,195 |
| Memoranda: | ||
| Average total assets | $113,950,500 | 4,649 |
| Average earning assets | $106,421,000 | 4,581 |
| Average equity | $14,833,500 | 3,932 |
| Average total loans | $79,325,000 | 4,279 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1264% | 3,972 |
| Cost of funding earning assets | 0.8094% | 6,528 |
| Net interest margin | 4.3170% | 1,765 |
| Noninterest income to average assets | 0.6636% | 3,063 |
| Noninterest expense to average assets | 3.5620% | 2,027 |
| Loan and lease loss provision to assets | 0.1983% | 5,249 |
| Net operating income to assets | 0.6741% | 3,326 |
| Return on assets (ROA) | 0.6741% | 3,467 |
| Pretax return on assets | 0.9174% | 3,213 |
| Return on Equity (ROE) | 5.1709% | 3,997 |
| Retained earnings to average equity (ytd only) | 2.7646% | 3,920 |
| Net charge-offs to loans | -0.0422% | 7,432 |
| Credit loss provision to net charge-offs | -681.8182% | 7,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1492% | 3,037 |
| Assets per employee ($millions) | 2.5605% | 6,919 |
| Cash dividends to net income (ytd only)* | 46.5359% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 3,408 |
| Loan loss allowance to noncurrent loans | 131.9515% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 5,121 |
| Noncurrent loans to loans | 1.2471% | 4,634 |
| Net loans and leases to total assets | 69.2366% | 2,716 |
| Net loans and leases to deposits | 81.7940% | 2,850 |
| Net loans and leases to core deposits | 86.0626% | 3,311 |
| Total domestic deposits to total assets | 84.6476% | 4,030 |
| Equity capital to assets | 13.0667% | 1,363 |
| Core capital (leverage) ratio | 13.1313% | 1,086 |
| Tier 1 risk-based capital ratio | 21.7860% | 1,208 |
| Total risk-based capital ratio | 23.0430% | 1,181 |
| Memoranda: | ||
| Average total assets | $113,476,400 | 4,628 |
| Average earning assets | $105,512,200 | 4,580 |
| Average equity | $14,794,200 | 3,974 |
| Average total loans | $78,282,200 | 4,384 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 4,244 |
| Cost of funding earning assets | 0.8443% | 6,604 |
| Net interest margin | 4.2696% | 1,955 |
| Noninterest income to average assets | 0.6498% | 3,124 |
| Noninterest expense to average assets | 3.5479% | 1,912 |
| Loan and lease loss provision to assets | 0.2463% | 4,626 |
| Net operating income to assets | 0.6122% | 3,823 |
| Return on assets (ROA) | 0.6122% | 3,995 |
| Pretax return on assets | 0.8175% | 3,837 |
| Return on Equity (ROE) | 4.6986% | 4,453 |
| Retained earnings to average equity (ytd only) | 4.0236% | 3,644 |
| Net charge-offs to loans | -0.0837% | 7,530 |
| Credit loss provision to net charge-offs | -428.5714% | 7,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9329% | 2,768 |
| Assets per employee ($millions) | 2.6882% | 6,794 |
| Cash dividends to net income (ytd only)* | 14.3682% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 3,224 |
| Loan loss allowance to noncurrent loans | 127.4146% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 5,360 |
| Noncurrent loans to loans | 1.3178% | 4,662 |
| Net loans and leases to total assets | 64.6567% | 3,984 |
| Net loans and leases to deposits | 78.5207% | 3,733 |
| Net loans and leases to core deposits | 83.1315% | 4,074 |
| Total domestic deposits to total assets | 82.3436% | 4,857 |
| Equity capital to assets | 12.5913% | 1,817 |
| Core capital (leverage) ratio | 13.1982% | 1,156 |
| Tier 1 risk-based capital ratio | 21.9631% | 1,210 |
| Total risk-based capital ratio | 23.2215% | 1,183 |
| Memoranda: | ||
| Average total assets | $113,680,500 | 4,683 |
| Average earning assets | $105,488,000 | 4,625 |
| Average equity | $14,812,500 | 4,028 |
| Average total loans | $78,026,000 | 4,471 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1641% | 4,120 |
| Cost of funding earning assets | 0.8725% | 6,678 |
| Net interest margin | 4.2916% | 1,810 |
| Noninterest income to average assets | 0.6313% | 3,117 |
| Noninterest expense to average assets | 3.5650% | 1,868 |
| Loan and lease loss provision to assets | 0.2675% | 4,247 |
| Net operating income to assets | 0.5974% | 3,892 |
| Return on assets (ROA) | 0.5974% | 4,026 |
| Pretax return on assets | 0.7900% | 3,918 |
| Return on Equity (ROE) | 4.5314% | 4,524 |
| Retained earnings to average equity (ytd only) | 3.5169% | 3,870 |
| Net charge-offs to loans | -0.0282% | 7,341 |
| Credit loss provision to net charge-offs | -1,363.6364% | 6,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1219% | 2,878 |
| Assets per employee ($millions) | 2.3598% | 7,287 |
| Cash dividends to net income (ytd only)* | 22.3881% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 3,575 |
| Loan loss allowance to noncurrent loans | 159.1568% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.6701% | 5,805 |
| Noncurrent loans to loans | 0.9874% | 5,329 |
| Net loans and leases to total assets | 66.7985% | 3,670 |
| Net loans and leases to deposits | 79.0848% | 3,781 |
| Net loans and leases to core deposits | 83.5592% | 4,200 |
| Total domestic deposits to total assets | 84.4644% | 3,889 |
| Equity capital to assets | 12.9903% | 1,575 |
| Core capital (leverage) ratio | 13.3305% | 1,107 |
| Tier 1 risk-based capital ratio | 22.4418% | 1,132 |
| Total risk-based capital ratio | 23.6986% | 1,108 |
| Memoranda: | ||
| Average total assets | $112,147,330 | 4,745 |
| Average earning assets | $104,297,330 | 4,686 |
| Average equity | $14,785,670 | 4,033 |
| Average total loans | $78,107,330 | 4,503 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2548% | 3,759 |
| Cost of funding earning assets | 0.8931% | 6,799 |
| Net interest margin | 4.3617% | 1,501 |
| Noninterest income to average assets | 0.5807% | 3,412 |
| Noninterest expense to average assets | 3.6062% | 1,724 |
| Loan and lease loss provision to assets | 0.1075% | 5,553 |
| Net operating income to assets | 0.6883% | 3,488 |
| Return on assets (ROA) | 0.6883% | 3,607 |
| Pretax return on assets | 0.9284% | 3,353 |
| Return on Equity (ROE) | 5.1817% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.1817% | 3,050 |
| Net charge-offs to loans | -0.0102% | 6,893 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6834% | 2,948 |
| Assets per employee ($millions) | 2.5059% | 7,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 4,569 |
| Loan loss allowance to noncurrent loans | 709.8684% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 7,147 |
| Noncurrent loans to loans | 0.1933% | 6,955 |
| Net loans and leases to total assets | 68.7876% | 3,201 |
| Net loans and leases to deposits | 81.3963% | 3,389 |
| Net loans and leases to core deposits | 86.3586% | 3,842 |
| Total domestic deposits to total assets | 84.5095% | 3,891 |
| Equity capital to assets | 13.2159% | 1,437 |
| Core capital (leverage) ratio | 13.6422% | 1,045 |
| Tier 1 risk-based capital ratio | 22.2752% | 1,166 |
| Total risk-based capital ratio | 23.5289% | 1,144 |
| Memoranda: | ||
| Average total assets | $111,586,500 | 4,833 |
| Average earning assets | $103,904,500 | 4,757 |
| Average equity | $14,821,500 | 4,052 |
| Average total loans | $78,726,000 | 4,550 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3682% | 4,844 |
| Cost of funding earning assets | 1.0767% | 7,042 |
| Net interest margin | 4.2914% | 1,741 |
| Noninterest income to average assets | 0.6220% | 3,476 |
| Noninterest expense to average assets | 3.7391% | 1,820 |
| Loan and lease loss provision to assets | 0.0683% | 6,896 |
| Net operating income to assets | 0.6702% | 3,057 |
| Return on assets (ROA) | 0.6702% | 3,112 |
| Pretax return on assets | 0.8251% | 3,169 |
| Return on Equity (ROE) | 5.0632% | 3,641 |
| Retained earnings to average equity (ytd only) | 2.5866% | 3,334 |
| Net charge-offs to loans | 0.1628% | 5,650 |
| Credit loss provision to net charge-offs | 64.1026% | 6,580 |
| Earnings coverage of net charge-offs (x) | 8.3846% | 1,952 |
| Efficiency ratio | 80.7155% | 2,786 |
| Assets per employee ($millions) | 2.4002% | 7,351 |
| Cash dividends to net income (ytd only)* | 48.9130% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,600 |
| Loan loss allowance to noncurrent loans | 248.6936% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 6,495 |
| Noncurrent loans to loans | 0.5342% | 6,181 |
| Net loans and leases to total assets | 70.4276% | 3,150 |
| Net loans and leases to deposits | 83.6700% | 3,337 |
| Net loans and leases to core deposits | 97.3630% | 4,307 |
| Total domestic deposits to total assets | 84.1731% | 3,955 |
| Equity capital to assets | 13.3506% | 1,378 |
| Core capital (leverage) ratio | 13.5776% | 1,071 |
| Tier 1 risk-based capital ratio | 21.9756% | 1,155 |
| Total risk-based capital ratio | 23.2297% | 1,135 |
| Memoranda: | ||
| Average total assets | $109,811,200 | 4,824 |
| Average earning assets | $102,623,800 | 4,773 |
| Average equity | $14,536,400 | 4,138 |
| Average total loans | $71,883,400 | 4,803 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 5,271 |
| Cost of funding earning assets | 1.1265% | 7,108 |
| Net interest margin | 4.2040% | 2,047 |
| Noninterest income to average assets | 0.5848% | 3,816 |
| Noninterest expense to average assets | 3.7314% | 1,746 |
| Loan and lease loss provision to assets | 0.0730% | 6,628 |
| Net operating income to assets | 0.5970% | 3,613 |
| Return on assets (ROA) | 0.5970% | 3,668 |
| Pretax return on assets | 0.7052% | 3,834 |
| Return on Equity (ROE) | 4.5193% | 4,153 |
| Retained earnings to average equity (ytd only) | 3.8198% | 3,156 |
| Net charge-offs to loans | 0.1444% | 5,247 |
| Credit loss provision to net charge-offs | 78.9474% | 5,791 |
| Earnings coverage of net charge-offs (x) | 8.4211% | 2,244 |
| Efficiency ratio | 82.7447% | 2,469 |
| Assets per employee ($millions) | 2.4190% | 7,349 |
| Cash dividends to net income (ytd only)* | 15.4785% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 3,624 |
| Loan loss allowance to noncurrent loans | 140.0783% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 5,762 |
| Noncurrent loans to loans | 1.0449% | 5,227 |
| Net loans and leases to total assets | 64.9184% | 4,671 |
| Net loans and leases to deposits | 77.1493% | 4,873 |
| Net loans and leases to core deposits | 88.4262% | 5,602 |
| Total domestic deposits to total assets | 84.1465% | 3,658 |
| Equity capital to assets | 13.2465% | 1,600 |
| Core capital (leverage) ratio | 13.6003% | 1,205 |
| Tier 1 risk-based capital ratio | 23.3338% | 1,067 |
| Total risk-based capital ratio | 24.5892% | 1,041 |
| Memoranda: | ||
| Average total assets | $109,662,250 | 4,858 |
| Average earning assets | $102,375,500 | 4,809 |
| Average equity | $14,485,500 | 4,191 |
| Average total loans | $70,153,250 | 4,905 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3358% | 5,467 |
| Cost of funding earning assets | 1.1740% | 7,184 |
| Net interest margin | 4.1619% | 2,118 |
| Noninterest income to average assets | 0.5517% | 4,025 |
| Noninterest expense to average assets | 3.6894% | 1,861 |
| Loan and lease loss provision to assets | 0.1100% | 6,055 |
| Net operating income to assets | 0.5388% | 3,942 |
| Return on assets (ROA) | 0.5388% | 4,048 |
| Pretax return on assets | 0.6378% | 4,206 |
| Return on Equity (ROE) | 4.0831% | 4,461 |
| Retained earnings to average equity (ytd only) | 3.0276% | 3,634 |
| Net charge-offs to loans | 0.2402% | 3,993 |
| Credit loss provision to net charge-offs | 72.2892% | 5,377 |
| Earnings coverage of net charge-offs (x) | 4.9157% | 2,960 |
| Efficiency ratio | 83.1475% | 2,586 |
| Assets per employee ($millions) | 2.2603% | 7,608 |
| Cash dividends to net income (ytd only)* | 25.8503% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 3,011 |
| Loan loss allowance to noncurrent loans | 107.7856% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8930% | 5,198 |
| Noncurrent loans to loans | 1.4231% | 4,364 |
| Net loans and leases to total assets | 61.7852% | 5,392 |
| Net loans and leases to deposits | 73.2660% | 5,570 |
| Net loans and leases to core deposits | 84.5032% | 6,053 |
| Total domestic deposits to total assets | 84.3300% | 3,581 |
| Equity capital to assets | 13.0805% | 1,665 |
| Core capital (leverage) ratio | 13.3796% | 1,308 |
| Tier 1 risk-based capital ratio | 23.4806% | 1,093 |
| Total risk-based capital ratio | 24.7354% | 1,066 |
| Memoranda: | ||
| Average total assets | $109,124,670 | 4,907 |
| Average earning assets | $101,877,330 | 4,847 |
| Average equity | $14,400,670 | 4,215 |
| Average total loans | $69,100,670 | 4,995 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4385% | 5,237 |
| Cost of funding earning assets | 1.2575% | 7,154 |
| Net interest margin | 4.1810% | 1,971 |
| Noninterest income to average assets | 0.5170% | 4,164 |
| Noninterest expense to average assets | 3.5491% | 1,973 |
| Loan and lease loss provision to assets | 0.1108% | 5,546 |
| Net operating income to assets | 0.6094% | 3,978 |
| Return on assets (ROA) | 0.6094% | 4,172 |
| Pretax return on assets | 0.7497% | 4,257 |
| Return on Equity (ROE) | 4.5969% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.5969% | 3,369 |
| Net charge-offs to loans | 0.2787% | 3,001 |
| Credit loss provision to net charge-offs | 62.5000% | 4,474 |
| Earnings coverage of net charge-offs (x) | 4.8542% | 2,801 |
| Efficiency ratio | 80.4858% | 2,747 |
| Assets per employee ($millions) | 2.3607% | 7,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 2,615 |
| Loan loss allowance to noncurrent loans | 99.4429% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9707% | 4,769 |
| Noncurrent loans to loans | 1.5866% | 3,898 |
| Net loans and leases to total assets | 60.2159% | 5,622 |
| Net loans and leases to deposits | 71.2639% | 5,835 |
| Net loans and leases to core deposits | 82.5186% | 6,191 |
| Total domestic deposits to total assets | 84.4972% | 3,460 |
| Equity capital to assets | 13.0234% | 1,731 |
| Core capital (leverage) ratio | 13.5791% | 1,306 |
| Tier 1 risk-based capital ratio | 23.4895% | 1,140 |
| Total risk-based capital ratio | 24.7459% | 1,120 |
| Memoranda: | ||
| Average total assets | $108,310,500 | 4,942 |
| Average earning assets | $100,837,500 | 4,894 |
| Average equity | $14,357,500 | 4,254 |
| Average total loans | $68,903,500 | 5,018 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2808% | 4,066 |
| Cost of funding earning assets | 1.5468% | 7,540 |
| Net interest margin | 4.7340% | 899 |
| Noninterest income to average assets | 0.6276% | 3,652 |
| Noninterest expense to average assets | 3.6852% | 1,977 |
| Loan and lease loss provision to assets | 0.1159% | 5,894 |
| Net operating income to assets | 0.9326% | 2,865 |
| Return on assets (ROA) | 0.9539% | 2,636 |
| Pretax return on assets | 1.2484% | 2,486 |
| Return on Equity (ROE) | 6.9505% | 3,558 |
| Retained earnings to average equity (ytd only) | 4.4109% | 2,379 |
| Net charge-offs to loans | 0.0524% | 6,038 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 38.4444% | 969 |
| Efficiency ratio | 73.3897% | 3,681 |
| Assets per employee ($millions) | 2.2014% | 7,707 |
| Cash dividends to net income (ytd only)* | 36.5385% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 2,418 |
| Loan loss allowance to noncurrent loans | 1,491.7808% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 7,295 |
| Noncurrent loans to loans | 0.1044% | 7,103 |
| Net loans and leases to total assets | 65.1433% | 5,023 |
| Net loans and leases to deposits | 77.4445% | 5,415 |
| Net loans and leases to core deposits | 89.2130% | 5,874 |
| Total domestic deposits to total assets | 84.1161% | 3,265 |
| Equity capital to assets | 13.5000% | 1,594 |
| Core capital (leverage) ratio | 13.8891% | 1,280 |
| Tier 1 risk-based capital ratio | 23.1307% | 1,177 |
| Total risk-based capital ratio | 24.3867% | 1,151 |
| Memoranda: | ||
| Average total assets | $103,575,200 | 4,948 |
| Average earning assets | $96,135,000 | 4,919 |
| Average equity | $14,214,800 | 4,289 |
| Average total loans | $68,657,400 | 4,921 |