Home > Murphy Bank > Performance and Condition Ratios
Murphy Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7758% | 267 |
| Cost of funding earning assets | 2.7395% | 234 |
| Net interest margin | 4.0363% | 1,149 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 2.2075% | 3,103 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.6728% | 765 |
| Return on assets (ROA) | 1.6728% | 738 |
| Pretax return on assets | 1.7348% | 999 |
| Return on Equity (ROE) | 13.2100% | 1,677 |
| Retained earnings to average equity (ytd only) | 6.2993% | 2,132 |
| Net charge-offs to loans | 0.0485% | 1,389 |
| Credit loss provision to net charge-offs | 114.1935% | 1,726 |
| Earnings coverage of net charge-offs (x) | 42.7161% | 1,403 |
| Efficiency ratio | 55.2877% | 3,569 |
| Assets per employee ($millions) | 10.5258% | 614 |
| Cash dividends to net income (ytd only)* | 52.3050% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 1,888 |
| Loan loss allowance to noncurrent loans | 2,047.7157% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 3,236 |
| Noncurrent loans to loans | 0.0624% | 3,266 |
| Net loans and leases to total assets | 84.5900% | 234 |
| Net loans and leases to deposits | 103.5227% | 386 |
| Net loans and leases to core deposits | 164.5254% | 134 |
| Total domestic deposits to total assets | 81.7100% | 3,181 |
| Equity capital to assets | 13.1038% | 843 |
| Core capital (leverage) ratio | 12.9906% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $370,874,200 | 2,113 |
| Average earning assets | $353,788,000 | 2,075 |
| Average equity | $46,973,600 | 1,680 |
| Average total loans | $319,510,800 | 1,722 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5991% | 281 |
| Cost of funding earning assets | 2.5037% | 275 |
| Net interest margin | 4.0953% | 1,075 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.1391% | 3,239 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.7909% | 682 |
| Return on assets (ROA) | 1.7909% | 672 |
| Pretax return on assets | 1.8559% | 920 |
| Return on Equity (ROE) | 14.2600% | 1,593 |
| Retained earnings to average equity (ytd only) | 7.1198% | 2,244 |
| Net charge-offs to loans | 0.0495% | 1,181 |
| Credit loss provision to net charge-offs | 132.7731% | 1,402 |
| Earnings coverage of net charge-offs (x) | 44.8992% | 1,376 |
| Efficiency ratio | 52.7294% | 3,698 |
| Assets per employee ($millions) | 10.8059% | 529 |
| Cash dividends to net income (ytd only)* | 50.0802% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 2,071 |
| Loan loss allowance to noncurrent loans | 961.9952% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,830 |
| Noncurrent loans to loans | 0.1306% | 2,902 |
| Net loans and leases to total assets | 84.1600% | 267 |
| Net loans and leases to deposits | 102.6532% | 406 |
| Net loans and leases to core deposits | 158.8887% | 110 |
| Total domestic deposits to total assets | 81.9900% | 3,209 |
| Equity capital to assets | 12.6399% | 882 |
| Core capital (leverage) ratio | 12.6421% | 1,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $371,491,750 | 2,119 |
| Average earning assets | $355,193,250 | 2,068 |
| Average equity | $46,648,250 | 1,678 |
| Average total loans | $320,474,750 | 1,715 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3958% | 285 |
| Cost of funding earning assets | 2.1670% | 361 |
| Net interest margin | 4.2288% | 895 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.1107% | 3,317 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.9255% | 535 |
| Return on assets (ROA) | 1.9255% | 531 |
| Pretax return on assets | 1.9954% | 756 |
| Return on Equity (ROE) | 15.3700% | 1,395 |
| Retained earnings to average equity (ytd only) | 8.2010% | 1,904 |
| Net charge-offs to loans | 0.0331% | 1,235 |
| Credit loss provision to net charge-offs | 315.0943% | 842 |
| Earnings coverage of net charge-offs (x) | 72.7170% | 1,100 |
| Efficiency ratio | 50.2774% | 3,904 |
| Assets per employee ($millions) | 11.4454% | 443 |
| Cash dividends to net income (ytd only)* | 46.6385% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,041 |
| Loan loss allowance to noncurrent loans | 545.0462% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 2,190 |
| Noncurrent loans to loans | 0.2338% | 2,326 |
| Net loans and leases to total assets | 84.6200% | 235 |
| Net loans and leases to deposits | 102.9658% | 399 |
| Net loans and leases to core deposits | 160.4948% | 98 |
| Total domestic deposits to total assets | 82.1800% | 3,196 |
| Equity capital to assets | 12.4999% | 924 |
| Core capital (leverage) ratio | 12.7152% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $369,253,333 | 2,125 |
| Average earning assets | $353,953,000 | 2,076 |
| Average equity | $46,262,667 | 1,691 |
| Average total loans | $319,847,000 | 1,707 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2328% | 237 |
| Cost of funding earning assets | 1.8735% | 389 |
| Net interest margin | 4.3593% | 732 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.1642% | 3,214 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 2.0031% | 493 |
| Return on assets (ROA) | 2.0031% | 488 |
| Pretax return on assets | 2.0754% | 683 |
| Return on Equity (ROE) | 15.9700% | 1,365 |
| Retained earnings to average equity (ytd only) | 8.6223% | 2,049 |
| Net charge-offs to loans | 0.0327% | 1,059 |
| Credit loss provision to net charge-offs | 257.6923% | 739 |
| Earnings coverage of net charge-offs (x) | 75.3846% | 919 |
| Efficiency ratio | 50.1906% | 3,916 |
| Assets per employee ($millions) | 10.5920% | 584 |
| Cash dividends to net income (ytd only)* | 46.0066% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 2,172 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 84.8300% | 192 |
| Net loans and leases to deposits | 98.9585% | 489 |
| Net loans and leases to core deposits | 152.7486% | 116 |
| Total domestic deposits to total assets | 85.7300% | 2,671 |
| Equity capital to assets | 12.4897% | 879 |
| Core capital (leverage) ratio | 12.6081% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $365,031,000 | 2,177 |
| Average earning assets | $351,431,500 | 2,113 |
| Average equity | $45,788,000 | 1,716 |
| Average total loans | $317,902,000 | 1,731 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8098% | 107 |
| Cost of funding earning assets | 0.6854% | 624 |
| Net interest margin | 5.1243% | 122 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.2320% | 2,938 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 2.5781% | 140 |
| Return on assets (ROA) | 2.5781% | 137 |
| Pretax return on assets | 2.6707% | 168 |
| Return on Equity (ROE) | 21.3600% | 373 |
| Retained earnings to average equity (ytd only) | 8.9368% | 1,497 |
| Net charge-offs to loans | 0.0363% | 1,365 |
| Credit loss provision to net charge-offs | 560.8696% | 634 |
| Earnings coverage of net charge-offs (x) | 89.0783% | 1,029 |
| Efficiency ratio | 43.9177% | 4,430 |
| Assets per employee ($millions) | 10.2669% | 616 |
| Cash dividends to net income (ytd only)* | 58.1697% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,191 |
| Loan loss allowance to noncurrent loans | 1,531.9066% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 3,075 |
| Noncurrent loans to loans | 0.0810% | 3,177 |
| Net loans and leases to total assets | 87.1900% | 96 |
| Net loans and leases to deposits | 100.8316% | 407 |
| Net loans and leases to core deposits | 152.5458% | 88 |
| Total domestic deposits to total assets | 86.4700% | 2,582 |
| Equity capital to assets | 12.5992% | 787 |
| Core capital (leverage) ratio | 12.4493% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $359,413,000 | 2,183 |
| Average earning assets | $352,182,400 | 2,101 |
| Average equity | $43,371,400 | 1,807 |
| Average total loans | $316,918,600 | 1,651 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 95 |
| Cost of funding earning assets | 0.4011% | 908 |
| Net interest margin | 5.1914% | 91 |
| Noninterest income to average assets | 0.0566% | 4,614 |
| Noninterest expense to average assets | 2.1764% | 2,930 |
| Loan and lease loss provision to assets | 0.1647% | 562 |
| Net operating income to assets | 2.7124% | 89 |
| Return on assets (ROA) | 2.7124% | 84 |
| Pretax return on assets | 2.8110% | 125 |
| Return on Equity (ROE) | 22.8762% | 171 |
| Retained earnings to average equity (ytd only) | 9.0739% | 1,267 |
| Net charge-offs to loans | 0.0786% | 683 |
| Credit loss provision to net charge-offs | 237.0968% | 896 |
| Earnings coverage of net charge-offs (x) | 42.8468% | 1,226 |
| Efficiency ratio | 42.2437% | 4,560 |
| Assets per employee ($millions) | 10.0292% | 651 |
| Cash dividends to net income (ytd only)* | 60.3345% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,112 |
| Loan loss allowance to noncurrent loans | 661.1830% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 2,670 |
| Noncurrent loans to loans | 0.1685% | 2,851 |
| Net loans and leases to total assets | 87.9579% | 44 |
| Net loans and leases to deposits | 100.2269% | 263 |
| Net loans and leases to core deposits | 149.7946% | 56 |
| Total domestic deposits to total assets | 87.7588% | 2,671 |
| Equity capital to assets | 11.9981% | 875 |
| Core capital (leverage) ratio | 12.0044% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,096,667 | 2,215 |
| Average earning assets | $350,503,333 | 2,137 |
| Average equity | $42,341,000 | 1,919 |
| Average total loans | $315,448,333 | 1,649 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 90 |
| Cost of funding earning assets | 0.3663% | 1,085 |
| Net interest margin | 5.1745% | 87 |
| Noninterest income to average assets | 0.0529% | 4,653 |
| Noninterest expense to average assets | 2.1852% | 2,883 |
| Loan and lease loss provision to assets | 0.1847% | 411 |
| Net operating income to assets | 2.6616% | 107 |
| Return on assets (ROA) | 2.6616% | 104 |
| Pretax return on assets | 2.7585% | 126 |
| Return on Equity (ROE) | 22.5843% | 139 |
| Retained earnings to average equity (ytd only) | 9.4524% | 1,155 |
| Net charge-offs to loans | 0.1651% | 359 |
| Credit loss provision to net charge-offs | 127.1318% | 909 |
| Earnings coverage of net charge-offs (x) | 20.2558% | 1,275 |
| Efficiency ratio | 42.6093% | 4,592 |
| Assets per employee ($millions) | 10.8933% | 529 |
| Cash dividends to net income (ytd only)* | 58.1464% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 3,354 |
| Loan loss allowance to noncurrent loans | 2,710.2362% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,685 |
| Noncurrent loans to loans | 0.0403% | 3,687 |
| Net loans and leases to total assets | 86.6922% | 41 |
| Net loans and leases to deposits | 99.9894% | 173 |
| Net loans and leases to core deposits | 145.7158% | 48 |
| Total domestic deposits to total assets | 86.7013% | 3,037 |
| Equity capital to assets | 11.7881% | 1,027 |
| Core capital (leverage) ratio | 11.9848% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,120,000 | 2,235 |
| Average earning assets | $348,326,500 | 2,154 |
| Average equity | $41,852,000 | 1,978 |
| Average total loans | $312,598,000 | 1,646 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8298% | 94 |
| Cost of funding earning assets | 0.5544% | 691 |
| Net interest margin | 5.2754% | 105 |
| Noninterest income to average assets | 0.0805% | 4,659 |
| Noninterest expense to average assets | 2.1010% | 3,387 |
| Loan and lease loss provision to assets | 0.1566% | 761 |
| Net operating income to assets | 2.8898% | 108 |
| Return on assets (ROA) | 2.8898% | 108 |
| Pretax return on assets | 2.9935% | 150 |
| Return on Equity (ROE) | 25.2854% | 120 |
| Retained earnings to average equity (ytd only) | 11.1063% | 682 |
| Net charge-offs to loans | 0.0394% | 1,471 |
| Credit loss provision to net charge-offs | 451.6949% | 852 |
| Earnings coverage of net charge-offs (x) | 90.8390% | 922 |
| Efficiency ratio | 40.0101% | 4,687 |
| Assets per employee ($millions) | 10.3165% | 611 |
| Cash dividends to net income (ytd only)* | 56.0765% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,363 |
| Loan loss allowance to noncurrent loans | 601.9435% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 2,813 |
| Noncurrent loans to loans | 0.1825% | 3,030 |
| Net loans and leases to total assets | 87.4404% | 39 |
| Net loans and leases to deposits | 100.4569% | 186 |
| Net loans and leases to core deposits | 147.3825% | 56 |
| Total domestic deposits to total assets | 87.0427% | 2,504 |
| Equity capital to assets | 11.7824% | 1,351 |
| Core capital (leverage) ratio | 11.7059% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,265,600 | 2,244 |
| Average earning assets | $333,510,800 | 2,172 |
| Average equity | $38,888,000 | 2,123 |
| Average total loans | $299,691,800 | 1,705 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8240% | 105 |
| Cost of funding earning assets | 0.6032% | 632 |
| Net interest margin | 5.2207% | 117 |
| Noninterest income to average assets | 0.0881% | 4,710 |
| Noninterest expense to average assets | 2.0830% | 3,412 |
| Loan and lease loss provision to assets | 0.1931% | 542 |
| Net operating income to assets | 2.8254% | 147 |
| Return on assets (ROA) | 2.8254% | 147 |
| Pretax return on assets | 2.9281% | 191 |
| Return on Equity (ROE) | 24.9223% | 181 |
| Retained earnings to average equity (ytd only) | 11.4737% | 954 |
| Net charge-offs to loans | 0.0574% | 1,074 |
| Credit loss provision to net charge-offs | 382.0313% | 882 |
| Earnings coverage of net charge-offs (x) | 61.7500% | 1,121 |
| Efficiency ratio | 40.0258% | 4,721 |
| Assets per employee ($millions) | 10.6520% | 534 |
| Cash dividends to net income (ytd only)* | 53.9623% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0839% | 3,511 |
| Loan loss allowance to noncurrent loans | 1,503.5874% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,688 |
| Noncurrent loans to loans | 0.0721% | 3,729 |
| Net loans and leases to total assets | 87.0476% | 54 |
| Net loans and leases to deposits | 99.6207% | 232 |
| Net loans and leases to core deposits | 147.1551% | 62 |
| Total domestic deposits to total assets | 87.3790% | 2,170 |
| Equity capital to assets | 11.4558% | 1,708 |
| Core capital (leverage) ratio | 11.3742% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,642,000 | 2,277 |
| Average earning assets | $330,876,500 | 2,207 |
| Average equity | $38,278,000 | 2,172 |
| Average total loans | $297,086,500 | 1,750 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7658% | 122 |
| Cost of funding earning assets | 0.6720% | 519 |
| Net interest margin | 5.0938% | 151 |
| Noninterest income to average assets | 0.1165% | 4,615 |
| Noninterest expense to average assets | 2.1248% | 3,315 |
| Loan and lease loss provision to assets | 0.2372% | 425 |
| Net operating income to assets | 2.6479% | 182 |
| Return on assets (ROA) | 2.6479% | 193 |
| Pretax return on assets | 2.7440% | 249 |
| Return on Equity (ROE) | 23.4432% | 244 |
| Retained earnings to average equity (ytd only) | 9.0232% | 1,701 |
| Net charge-offs to loans | 0.0990% | 744 |
| Credit loss provision to net charge-offs | 272.4138% | 935 |
| Earnings coverage of net charge-offs (x) | 34.2345% | 1,244 |
| Efficiency ratio | 41.6137% | 4,706 |
| Assets per employee ($millions) | 10.9917% | 460 |
| Cash dividends to net income (ytd only)* | 61.5105% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,632 |
| Loan loss allowance to noncurrent loans | 413.5204% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 2,814 |
| Noncurrent loans to loans | 0.2536% | 3,032 |
| Net loans and leases to total assets | 86.9691% | 58 |
| Net loans and leases to deposits | 98.8972% | 287 |
| Net loans and leases to core deposits | 145.5481% | 79 |
| Total domestic deposits to total assets | 87.9389% | 1,862 |
| Equity capital to assets | 10.9711% | 2,000 |
| Core capital (leverage) ratio | 11.4140% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,017,000 | 2,289 |
| Average earning assets | $326,199,667 | 2,215 |
| Average equity | $37,614,333 | 2,192 |
| Average total loans | $293,002,000 | 1,772 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8107% | 136 |
| Cost of funding earning assets | 0.7617% | 427 |
| Net interest margin | 5.0490% | 174 |
| Noninterest income to average assets | 0.1743% | 4,325 |
| Noninterest expense to average assets | 2.1937% | 3,128 |
| Loan and lease loss provision to assets | 0.3139% | 284 |
| Net operating income to assets | 2.5150% | 262 |
| Return on assets (ROA) | 2.5150% | 286 |
| Pretax return on assets | 2.6065% | 374 |
| Return on Equity (ROE) | 21.9247% | 399 |
| Retained earnings to average equity (ytd only) | 8.1989% | 2,175 |
| Net charge-offs to loans | 0.2246% | 374 |
| Credit loss provision to net charge-offs | 158.7500% | 963 |
| Earnings coverage of net charge-offs (x) | 14.7688% | 1,355 |
| Efficiency ratio | 42.8951% | 4,638 |
| Assets per employee ($millions) | 10.2633% | 550 |
| Cash dividends to net income (ytd only)* | 62.6044% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,601 |
| Loan loss allowance to noncurrent loans | 401.1704% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 2,972 |
| Noncurrent loans to loans | 0.2650% | 3,157 |
| Net loans and leases to total assets | 87.4285% | 59 |
| Net loans and leases to deposits | 103.7502% | 207 |
| Net loans and leases to core deposits | 152.4988% | 71 |
| Total domestic deposits to total assets | 84.2682% | 3,350 |
| Equity capital to assets | 11.4343% | 1,585 |
| Core capital (leverage) ratio | 11.5643% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,658,500 | 2,324 |
| Average earning assets | $316,659,000 | 2,240 |
| Average equity | $37,127,000 | 2,200 |
| Average total loans | $284,932,000 | 1,807 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8094% | 115 |
| Cost of funding earning assets | 1.3862% | 131 |
| Net interest margin | 4.4232% | 382 |
| Noninterest income to average assets | 0.0637% | 4,840 |
| Noninterest expense to average assets | 2.1023% | 3,934 |
| Loan and lease loss provision to assets | 0.1405% | 2,601 |
| Net operating income to assets | 2.0703% | 232 |
| Return on assets (ROA) | 2.0703% | 248 |
| Pretax return on assets | 2.1471% | 331 |
| Return on Equity (ROE) | 18.4423% | 307 |
| Retained earnings to average equity (ytd only) | 7.3399% | 1,266 |
| Net charge-offs to loans | 0.0428% | 2,202 |
| Credit loss provision to net charge-offs | 381.7391% | 1,490 |
| Earnings coverage of net charge-offs (x) | 62.1652% | 1,053 |
| Efficiency ratio | 47.8898% | 4,638 |
| Assets per employee ($millions) | 9.9654% | 537 |
| Cash dividends to net income (ytd only)* | 60.2009% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 3,598 |
| Loan loss allowance to noncurrent loans | 216.8116% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 2,283 |
| Noncurrent loans to loans | 0.4935% | 2,492 |
| Net loans and leases to total assets | 86.7535% | 76 |
| Net loans and leases to deposits | 102.6283% | 298 |
| Net loans and leases to core deposits | 147.2420% | 96 |
| Total domestic deposits to total assets | 84.5318% | 2,940 |
| Equity capital to assets | 11.5089% | 1,877 |
| Core capital (leverage) ratio | 11.4407% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,520,400 | 2,229 |
| Average earning assets | $305,659,000 | 2,142 |
| Average equity | $35,082,400 | 2,229 |
| Average total loans | $268,607,400 | 1,833 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7685% | 142 |
| Cost of funding earning assets | 1.5197% | 111 |
| Net interest margin | 4.2488% | 658 |
| Noninterest income to average assets | 0.0652% | 4,862 |
| Noninterest expense to average assets | 2.0566% | 4,032 |
| Loan and lease loss provision to assets | 0.1843% | 2,141 |
| Net operating income to assets | 1.9104% | 365 |
| Return on assets (ROA) | 1.9104% | 397 |
| Pretax return on assets | 1.9807% | 536 |
| Return on Equity (ROE) | 17.1287% | 435 |
| Retained earnings to average equity (ytd only) | 6.7477% | 1,795 |
| Net charge-offs to loans | 0.0662% | 1,667 |
| Credit loss provision to net charge-offs | 325.7576% | 1,683 |
| Earnings coverage of net charge-offs (x) | 38.2500% | 1,398 |
| Efficiency ratio | 48.7151% | 4,570 |
| Assets per employee ($millions) | 10.3098% | 459 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 3,305 |
| Loan loss allowance to noncurrent loans | 523.6749% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 3,548 |
| Noncurrent loans to loans | 0.2063% | 3,558 |
| Net loans and leases to total assets | 84.9352% | 211 |
| Net loans and leases to deposits | 102.1448% | 445 |
| Net loans and leases to core deposits | 145.8678% | 136 |
| Total domestic deposits to total assets | 83.1517% | 3,106 |
| Equity capital to assets | 11.2270% | 2,212 |
| Core capital (leverage) ratio | 11.4376% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,927,500 | 2,214 |
| Average earning assets | $304,172,750 | 2,130 |
| Average equity | $34,677,750 | 2,240 |
| Average total loans | $265,848,750 | 1,836 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7674% | 202 |
| Cost of funding earning assets | 1.6810% | 81 |
| Net interest margin | 4.0864% | 1,145 |
| Noninterest income to average assets | 0.0688% | 4,870 |
| Noninterest expense to average assets | 2.0868% | 4,058 |
| Loan and lease loss provision to assets | 0.1760% | 2,259 |
| Net operating income to assets | 1.7381% | 574 |
| Return on assets (ROA) | 1.7381% | 624 |
| Pretax return on assets | 1.8024% | 813 |
| Return on Equity (ROE) | 15.6201% | 621 |
| Retained earnings to average equity (ytd only) | 4.5921% | 2,661 |
| Net charge-offs to loans | 0.0411% | 1,917 |
| Credit loss provision to net charge-offs | 501.8519% | 1,227 |
| Earnings coverage of net charge-offs (x) | 56.4259% | 1,013 |
| Efficiency ratio | 51.3337% | 4,409 |
| Assets per employee ($millions) | 9.6731% | 553 |
| Cash dividends to net income (ytd only)* | 70.6014% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 3,041 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5324% | 2,229 |
| Noncurrent loans to loans | 0.6299% | 2,287 |
| Net loans and leases to total assets | 83.5956% | 285 |
| Net loans and leases to deposits | 101.0576% | 491 |
| Net loans and leases to core deposits | 147.8356% | 116 |
| Total domestic deposits to total assets | 82.7208% | 3,173 |
| Equity capital to assets | 11.2794% | 2,133 |
| Core capital (leverage) ratio | 11.3970% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,035,000 | 2,204 |
| Average earning assets | $301,246,333 | 2,122 |
| Average equity | $34,276,333 | 2,250 |
| Average total loans | $262,991,333 | 1,831 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8489% | 205 |
| Cost of funding earning assets | 1.8100% | 83 |
| Net interest margin | 4.0389% | 1,291 |
| Noninterest income to average assets | 0.0989% | 4,829 |
| Noninterest expense to average assets | 2.0997% | 4,216 |
| Loan and lease loss provision to assets | 0.1523% | 1,873 |
| Net operating income to assets | 1.7378% | 468 |
| Return on assets (ROA) | 1.7378% | 518 |
| Pretax return on assets | 1.8003% | 700 |
| Return on Equity (ROE) | 15.7255% | 459 |
| Retained earnings to average equity (ytd only) | 5.0652% | 2,245 |
| Net charge-offs to loans | -0.0152% | 4,220 |
| Credit loss provision to net charge-offs | -1,170.0000% | 3,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8150% | 4,559 |
| Assets per employee ($millions) | 9.9031% | 395 |
| Cash dividends to net income (ytd only)* | 67.7903% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,389 |
| Loan loss allowance to noncurrent loans | 272.5854% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 3,103 |
| Noncurrent loans to loans | 0.3902% | 3,088 |
| Net loans and leases to total assets | 84.6610% | 228 |
| Net loans and leases to deposits | 98.8149% | 638 |
| Net loans and leases to core deposits | 150.0292% | 114 |
| Total domestic deposits to total assets | 85.6764% | 2,141 |
| Equity capital to assets | 11.1402% | 2,738 |
| Core capital (leverage) ratio | 11.1273% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,283,000 | 2,162 |
| Average earning assets | $300,777,000 | 2,072 |
| Average equity | $33,957,500 | 2,245 |
| Average total loans | $263,664,500 | 1,792 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8747% | 277 |
| Cost of funding earning assets | 1.9074% | 89 |
| Net interest margin | 3.9673% | 1,951 |
| Noninterest income to average assets | 0.0372% | 5,059 |
| Noninterest expense to average assets | 2.0455% | 4,455 |
| Loan and lease loss provision to assets | 0.0797% | 2,401 |
| Net operating income to assets | 1.7313% | 617 |
| Return on assets (ROA) | 1.7313% | 656 |
| Pretax return on assets | 1.7939% | 955 |
| Return on Equity (ROE) | 16.1319% | 524 |
| Retained earnings to average equity (ytd only) | 6.4644% | 1,627 |
| Net charge-offs to loans | 0.0612% | 2,226 |
| Credit loss provision to net charge-offs | 150.3106% | 1,699 |
| Earnings coverage of net charge-offs (x) | 35.3416% | 1,418 |
| Efficiency ratio | 52.1929% | 4,591 |
| Assets per employee ($millions) | 9.3203% | 448 |
| Cash dividends to net income (ytd only)* | 59.9277% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,450 |
| Loan loss allowance to noncurrent loans | 413.4884% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 3,627 |
| Noncurrent loans to loans | 0.2437% | 3,573 |
| Net loans and leases to total assets | 85.1715% | 230 |
| Net loans and leases to deposits | 98.7358% | 698 |
| Net loans and leases to core deposits | 145.1048% | 148 |
| Total domestic deposits to total assets | 86.2620% | 1,951 |
| Equity capital to assets | 10.9617% | 3,043 |
| Core capital (leverage) ratio | 10.9232% | 2,570 |
| Tier 1 risk-based capital ratio | 13.5201% | 3,509 |
| Total risk-based capital ratio | 14.5896% | 3,498 |
| Memoranda: | ||
| Average total assets | $303,698,200 | 2,145 |
| Average earning assets | $297,156,400 | 2,045 |
| Average equity | $32,593,800 | 2,267 |
| Average total loans | $263,002,000 | 1,760 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8606% | 318 |
| Cost of funding earning assets | 1.8983% | 99 |
| Net interest margin | 3.9623% | 2,067 |
| Noninterest income to average assets | 0.0339% | 5,143 |
| Noninterest expense to average assets | 2.0246% | 4,501 |
| Loan and lease loss provision to assets | 0.0661% | 2,564 |
| Net operating income to assets | 1.7560% | 670 |
| Return on assets (ROA) | 1.7560% | 709 |
| Pretax return on assets | 1.8198% | 1,038 |
| Return on Equity (ROE) | 16.4509% | 540 |
| Retained earnings to average equity (ytd only) | 6.9649% | 1,876 |
| Net charge-offs to loans | 0.0416% | 2,265 |
| Credit loss provision to net charge-offs | 182.9268% | 1,414 |
| Earnings coverage of net charge-offs (x) | 52.2198% | 1,153 |
| Efficiency ratio | 51.7738% | 4,611 |
| Assets per employee ($millions) | 9.3740% | 424 |
| Cash dividends to net income (ytd only)* | 57.6624% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,552 |
| Loan loss allowance to noncurrent loans | 360.9524% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 3,621 |
| Noncurrent loans to loans | 0.2779% | 3,543 |
| Net loans and leases to total assets | 84.6545% | 280 |
| Net loans and leases to deposits | 98.1500% | 804 |
| Net loans and leases to core deposits | 139.1744% | 192 |
| Total domestic deposits to total assets | 86.2502% | 1,886 |
| Equity capital to assets | 10.7638% | 3,322 |
| Core capital (leverage) ratio | 10.8196% | 2,819 |
| Tier 1 risk-based capital ratio | 13.3408% | 3,661 |
| Total risk-based capital ratio | 14.4037% | 3,670 |
| Memoranda: | ||
| Average total assets | $302,730,250 | 2,169 |
| Average earning assets | $296,183,750 | 2,062 |
| Average equity | $32,313,500 | 2,296 |
| Average total loans | $262,595,250 | 1,774 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8376% | 318 |
| Cost of funding earning assets | 1.8660% | 96 |
| Net interest margin | 3.9715% | 2,010 |
| Noninterest income to average assets | 0.0253% | 5,207 |
| Noninterest expense to average assets | 2.0604% | 4,492 |
| Loan and lease loss provision to assets | 0.0872% | 2,106 |
| Net operating income to assets | 1.7010% | 726 |
| Return on assets (ROA) | 1.7010% | 753 |
| Pretax return on assets | 1.7629% | 1,140 |
| Return on Equity (ROE) | 15.9822% | 593 |
| Retained earnings to average equity (ytd only) | 5.7338% | 2,400 |
| Net charge-offs to loans | 0.0405% | 2,084 |
| Credit loss provision to net charge-offs | 247.1698% | 1,034 |
| Earnings coverage of net charge-offs (x) | 52.4528% | 1,060 |
| Efficiency ratio | 52.6889% | 4,595 |
| Assets per employee ($millions) | 9.0026% | 463 |
| Cash dividends to net income (ytd only)* | 64.1236% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,580 |
| Loan loss allowance to noncurrent loans | 285.6223% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 3,329 |
| Noncurrent loans to loans | 0.3526% | 3,288 |
| Net loans and leases to total assets | 85.4967% | 255 |
| Net loans and leases to deposits | 98.8416% | 759 |
| Net loans and leases to core deposits | 137.6411% | 216 |
| Total domestic deposits to total assets | 86.4987% | 1,821 |
| Equity capital to assets | 10.6077% | 3,432 |
| Core capital (leverage) ratio | 10.6599% | 2,926 |
| Tier 1 risk-based capital ratio | 12.9260% | 3,877 |
| Total risk-based capital ratio | 13.9858% | 3,894 |
| Memoranda: | ||
| Average total assets | $300,526,330 | 2,182 |
| Average earning assets | $293,993,000 | 2,081 |
| Average equity | $31,985,670 | 2,302 |
| Average total loans | $261,952,000 | 1,780 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7880% | 316 |
| Cost of funding earning assets | 1.8140% | 97 |
| Net interest margin | 3.9740% | 1,933 |
| Noninterest income to average assets | 0.0202% | 5,276 |
| Noninterest expense to average assets | 2.0595% | 4,532 |
| Loan and lease loss provision to assets | 0.1343% | 1,292 |
| Net operating income to assets | 1.6538% | 804 |
| Return on assets (ROA) | 1.6538% | 833 |
| Pretax return on assets | 1.7142% | 1,176 |
| Return on Equity (ROE) | 15.5116% | 660 |
| Retained earnings to average equity (ytd only) | 5.5318% | 2,684 |
| Net charge-offs to loans | 0.0537% | 1,519 |
| Credit loss provision to net charge-offs | 285.7143% | 855 |
| Earnings coverage of net charge-offs (x) | 39.3143% | 1,164 |
| Efficiency ratio | 52.6985% | 4,640 |
| Assets per employee ($millions) | 8.9366% | 491 |
| Cash dividends to net income (ytd only)* | 64.3379% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,719 |
| Loan loss allowance to noncurrent loans | 230.0347% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 3,073 |
| Noncurrent loans to loans | 0.4342% | 3,024 |
| Net loans and leases to total assets | 86.4575% | 165 |
| Net loans and leases to deposits | 100.2052% | 619 |
| Net loans and leases to core deposits | 137.7198% | 209 |
| Total domestic deposits to total assets | 86.2804% | 2,147 |
| Equity capital to assets | 10.5288% | 3,321 |
| Core capital (leverage) ratio | 10.6674% | 2,877 |
| Tier 1 risk-based capital ratio | 12.6695% | 4,056 |
| Total risk-based capital ratio | 13.7190% | 4,056 |
| Memoranda: | ||
| Average total assets | $297,744,500 | 2,209 |
| Average earning assets | $291,292,000 | 2,104 |
| Average equity | $31,744,000 | 2,314 |
| Average total loans | $260,748,500 | 1,804 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8137% | 232 |
| Cost of funding earning assets | 1.3524% | 172 |
| Net interest margin | 4.4612% | 824 |
| Noninterest income to average assets | 0.0811% | 5,203 |
| Noninterest expense to average assets | 2.2415% | 4,240 |
| Loan and lease loss provision to assets | 0.1579% | 1,309 |
| Net operating income to assets | 1.9696% | 384 |
| Return on assets (ROA) | 1.9696% | 383 |
| Pretax return on assets | 2.0412% | 508 |
| Return on Equity (ROE) | 17.5629% | 433 |
| Retained earnings to average equity (ytd only) | 6.8377% | 1,740 |
| Net charge-offs to loans | 0.0228% | 2,958 |
| Credit loss provision to net charge-offs | 792.5926% | 450 |
| Earnings coverage of net charge-offs (x) | 110.4074% | 690 |
| Efficiency ratio | 50.4776% | 4,909 |
| Assets per employee ($millions) | 9.4079% | 407 |
| Cash dividends to net income (ytd only)* | 61.0674% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,623 |
| Loan loss allowance to noncurrent loans | 287.5417% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 3,331 |
| Noncurrent loans to loans | 0.3510% | 3,284 |
| Net loans and leases to total assets | 86.9434% | 172 |
| Net loans and leases to deposits | 100.7398% | 688 |
| Net loans and leases to core deposits | 137.1144% | 228 |
| Total domestic deposits to total assets | 86.3050% | 2,085 |
| Equity capital to assets | 10.7997% | 2,885 |
| Core capital (leverage) ratio | 10.9097% | 2,612 |
| Tier 1 risk-based capital ratio | 12.9436% | 3,879 |
| Total risk-based capital ratio | 14.0059% | 3,868 |
| Memoranda: | ||
| Average total assets | $271,118,600 | 2,324 |
| Average earning assets | $264,927,400 | 2,228 |
| Average equity | $30,405,000 | 2,313 |
| Average total loans | $236,866,800 | 1,903 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7889% | 226 |
| Cost of funding earning assets | 1.2369% | 207 |
| Net interest margin | 4.5520% | 668 |
| Noninterest income to average assets | 0.0672% | 5,304 |
| Noninterest expense to average assets | 2.2682% | 4,171 |
| Loan and lease loss provision to assets | 0.1714% | 1,084 |
| Net operating income to assets | 2.0026% | 373 |
| Return on assets (ROA) | 2.0026% | 373 |
| Pretax return on assets | 2.0752% | 518 |
| Return on Equity (ROE) | 17.6773% | 465 |
| Retained earnings to average equity (ytd only) | 7.1240% | 2,066 |
| Net charge-offs to loans | 0.0328% | 2,431 |
| Credit loss provision to net charge-offs | 600.0000% | 592 |
| Earnings coverage of net charge-offs (x) | 78.6296% | 889 |
| Efficiency ratio | 50.2387% | 4,932 |
| Assets per employee ($millions) | 8.5501% | 523 |
| Cash dividends to net income (ytd only)* | 59.6997% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,693 |
| Loan loss allowance to noncurrent loans | 223.8565% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 3,107 |
| Noncurrent loans to loans | 0.4512% | 3,036 |
| Net loans and leases to total assets | 86.7040% | 210 |
| Net loans and leases to deposits | 101.0233% | 702 |
| Net loans and leases to core deposits | 138.4735% | 221 |
| Total domestic deposits to total assets | 85.8257% | 2,268 |
| Equity capital to assets | 10.9969% | 2,668 |
| Core capital (leverage) ratio | 11.1859% | 2,427 |
| Tier 1 risk-based capital ratio | 13.2674% | 3,746 |
| Total risk-based capital ratio | 14.3346% | 3,773 |
| Memoranda: | ||
| Average total assets | $265,986,750 | 2,375 |
| Average earning assets | $259,895,000 | 2,278 |
| Average equity | $30,132,000 | 2,334 |
| Average total loans | $232,045,500 | 1,937 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7435% | 216 |
| Cost of funding earning assets | 1.1176% | 271 |
| Net interest margin | 4.6259% | 524 |
| Noninterest income to average assets | 0.0806% | 5,322 |
| Noninterest expense to average assets | 2.3147% | 4,113 |
| Loan and lease loss provision to assets | 0.1358% | 1,446 |
| Net operating income to assets | 2.0752% | 321 |
| Return on assets (ROA) | 2.0752% | 317 |
| Pretax return on assets | 2.1504% | 432 |
| Return on Equity (ROE) | 18.1274% | 406 |
| Retained earnings to average equity (ytd only) | 6.6168% | 2,253 |
| Net charge-offs to loans | 0.0529% | 1,847 |
| Credit loss provision to net charge-offs | 295.0000% | 1,011 |
| Earnings coverage of net charge-offs (x) | 49.6500% | 1,132 |
| Efficiency ratio | 50.3086% | 5,011 |
| Assets per employee ($millions) | 8.1917% | 585 |
| Cash dividends to net income (ytd only)* | 63.4985% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,918 |
| Loan loss allowance to noncurrent loans | 273.4430% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 3,506 |
| Noncurrent loans to loans | 0.3616% | 3,403 |
| Net loans and leases to total assets | 86.2007% | 251 |
| Net loans and leases to deposits | 100.5997% | 767 |
| Net loans and leases to core deposits | 137.5871% | 218 |
| Total domestic deposits to total assets | 85.6869% | 2,413 |
| Equity capital to assets | 11.2475% | 2,411 |
| Core capital (leverage) ratio | 11.5199% | 2,055 |
| Tier 1 risk-based capital ratio | 13.7372% | 3,486 |
| Total risk-based capital ratio | 14.7886% | 3,504 |
| Memoranda: | ||
| Average total assets | $260,598,330 | 2,416 |
| Average earning assets | $254,653,000 | 2,323 |
| Average equity | $29,833,330 | 2,361 |
| Average total loans | $227,016,330 | 1,973 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7261% | 207 |
| Cost of funding earning assets | 1.0306% | 324 |
| Net interest margin | 4.6955% | 408 |
| Noninterest income to average assets | 0.0798% | 5,395 |
| Noninterest expense to average assets | 2.2883% | 4,213 |
| Loan and lease loss provision to assets | 0.0266% | 3,171 |
| Net operating income to assets | 2.2711% | 212 |
| Return on assets (ROA) | 2.2711% | 214 |
| Pretax return on assets | 2.3540% | 290 |
| Return on Equity (ROE) | 19.6565% | 268 |
| Retained earnings to average equity (ytd only) | 8.1631% | 1,781 |
| Net charge-offs to loans | -0.0377% | 4,845 |
| Credit loss provision to net charge-offs | -80.9524% | 3,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0117% | 5,138 |
| Assets per employee ($millions) | 8.3017% | 564 |
| Cash dividends to net income (ytd only)* | 58.4711% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,964 |
| Loan loss allowance to noncurrent loans | 194.2956% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4496% | 3,049 |
| Noncurrent loans to loans | 0.5143% | 2,974 |
| Net loans and leases to total assets | 86.5403% | 221 |
| Net loans and leases to deposits | 100.2164% | 688 |
| Net loans and leases to core deposits | 135.7706% | 261 |
| Total domestic deposits to total assets | 86.3534% | 2,383 |
| Equity capital to assets | 11.5985% | 2,060 |
| Core capital (leverage) ratio | 11.6615% | 1,884 |
| Tier 1 risk-based capital ratio | 14.1364% | 3,309 |
| Total risk-based capital ratio | 15.2010% | 3,320 |
| Memoranda: | ||
| Average total assets | $255,734,500 | 2,477 |
| Average earning assets | $249,943,500 | 2,379 |
| Average equity | $29,547,500 | 2,402 |
| Average total loans | $222,849,500 | 2,014 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7169% | 192 |
| Cost of funding earning assets | 0.8620% | 457 |
| Net interest margin | 4.8549% | 303 |
| Noninterest income to average assets | 0.0528% | 5,526 |
| Noninterest expense to average assets | 2.2521% | 4,436 |
| Loan and lease loss provision to assets | 0.1137% | 1,999 |
| Net operating income to assets | 2.3475% | 149 |
| Return on assets (ROA) | 2.3475% | 149 |
| Pretax return on assets | 2.4332% | 203 |
| Return on Equity (ROE) | 20.5537% | 173 |
| Retained earnings to average equity (ytd only) | 7.7770% | 835 |
| Net charge-offs to loans | 0.0808% | 2,299 |
| Credit loss provision to net charge-offs | 160.9195% | 1,659 |
| Earnings coverage of net charge-offs (x) | 36.0402% | 1,354 |
| Efficiency ratio | 46.9279% | 5,362 |
| Assets per employee ($millions) | 8.7626% | 483 |
| Cash dividends to net income (ytd only)* | 62.1626% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,936 |
| Loan loss allowance to noncurrent loans | 258.4795% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 3,520 |
| Noncurrent loans to loans | 0.3873% | 3,373 |
| Net loans and leases to total assets | 85.9950% | 255 |
| Net loans and leases to deposits | 99.0863% | 808 |
| Net loans and leases to core deposits | 132.9377% | 287 |
| Total domestic deposits to total assets | 86.7879% | 2,093 |
| Equity capital to assets | 11.5089% | 2,196 |
| Core capital (leverage) ratio | 11.6459% | 1,834 |
| Tier 1 risk-based capital ratio | 14.1207% | 3,295 |
| Total risk-based capital ratio | 15.1877% | 3,306 |
| Memoranda: | ||
| Average total assets | $246,216,400 | 2,515 |
| Average earning assets | $240,706,400 | 2,417 |
| Average equity | $28,121,400 | 2,480 |
| Average total loans | $215,274,000 | 2,033 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6915% | 196 |
| Cost of funding earning assets | 0.8272% | 498 |
| Net interest margin | 4.8644% | 290 |
| Noninterest income to average assets | 0.0480% | 5,613 |
| Noninterest expense to average assets | 2.2507% | 4,417 |
| Loan and lease loss provision to assets | 0.1054% | 2,006 |
| Net operating income to assets | 2.3637% | 164 |
| Return on assets (ROA) | 2.3637% | 165 |
| Pretax return on assets | 2.4494% | 228 |
| Return on Equity (ROE) | 20.7368% | 189 |
| Retained earnings to average equity (ytd only) | 8.0601% | 1,196 |
| Net charge-offs to loans | 0.0511% | 2,411 |
| Credit loss provision to net charge-offs | 235.3659% | 1,184 |
| Earnings coverage of net charge-offs (x) | 57.0734% | 1,023 |
| Efficiency ratio | 46.8363% | 5,392 |
| Assets per employee ($millions) | 8.3858% | 546 |
| Cash dividends to net income (ytd only)* | 61.1317% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0086% | 4,004 |
| Loan loss allowance to noncurrent loans | 242.1858% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 3,575 |
| Noncurrent loans to loans | 0.4165% | 3,454 |
| Net loans and leases to total assets | 86.4494% | 229 |
| Net loans and leases to deposits | 99.6591% | 767 |
| Net loans and leases to core deposits | 133.4665% | 289 |
| Total domestic deposits to total assets | 86.7451% | 1,977 |
| Equity capital to assets | 11.4244% | 2,443 |
| Core capital (leverage) ratio | 11.5191% | 2,003 |
| Tier 1 risk-based capital ratio | 13.9719% | 3,457 |
| Total risk-based capital ratio | 15.0491% | 3,462 |
| Memoranda: | ||
| Average total assets | $244,241,500 | 2,550 |
| Average earning assets | $238,874,750 | 2,451 |
| Average equity | $27,840,250 | 2,515 |
| Average total loans | $213,908,250 | 2,055 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6737% | 192 |
| Cost of funding earning assets | 0.7918% | 548 |
| Net interest margin | 4.8819% | 271 |
| Noninterest income to average assets | 0.0513% | 5,649 |
| Noninterest expense to average assets | 2.2688% | 4,426 |
| Loan and lease loss provision to assets | 0.1084% | 1,881 |
| Net operating income to assets | 2.3615% | 158 |
| Return on assets (ROA) | 2.3615% | 158 |
| Pretax return on assets | 2.4475% | 232 |
| Return on Equity (ROE) | 20.7335% | 189 |
| Retained earnings to average equity (ytd only) | 7.4001% | 1,398 |
| Net charge-offs to loans | 0.0868% | 1,744 |
| Credit loss provision to net charge-offs | 142.3913% | 1,573 |
| Earnings coverage of net charge-offs (x) | 33.5870% | 1,386 |
| Efficiency ratio | 47.0255% | 5,434 |
| Assets per employee ($millions) | 8.2278% | 562 |
| Cash dividends to net income (ytd only)* | 64.3082% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 4,208 |
| Loan loss allowance to noncurrent loans | 221.9462% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 3,548 |
| Noncurrent loans to loans | 0.4462% | 3,416 |
| Net loans and leases to total assets | 86.8413% | 218 |
| Net loans and leases to deposits | 99.9534% | 741 |
| Net loans and leases to core deposits | 130.1120% | 306 |
| Total domestic deposits to total assets | 86.8818% | 1,994 |
| Equity capital to assets | 11.3749% | 2,436 |
| Core capital (leverage) ratio | 11.5847% | 1,913 |
| Tier 1 risk-based capital ratio | 13.8603% | 3,497 |
| Total risk-based capital ratio | 14.9187% | 3,530 |
| Memoranda: | ||
| Average total assets | $241,797,000 | 2,578 |
| Average earning assets | $236,422,330 | 2,482 |
| Average equity | $27,540,000 | 2,533 |
| Average total loans | $211,977,330 | 2,074 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6768% | 186 |
| Cost of funding earning assets | 0.7733% | 571 |
| Net interest margin | 4.9035% | 260 |
| Noninterest income to average assets | 0.0568% | 5,711 |
| Noninterest expense to average assets | 2.2718% | 4,478 |
| Loan and lease loss provision to assets | 0.0635% | 2,535 |
| Net operating income to assets | 2.4239% | 156 |
| Return on assets (ROA) | 2.4239% | 160 |
| Pretax return on assets | 2.5125% | 211 |
| Return on Equity (ROE) | 21.2676% | 180 |
| Retained earnings to average equity (ytd only) | 8.0230% | 1,452 |
| Net charge-offs to loans | 0.0534% | 1,807 |
| Credit loss provision to net charge-offs | 135.7143% | 1,285 |
| Earnings coverage of net charge-offs (x) | 55.0357% | 849 |
| Efficiency ratio | 46.8621% | 5,502 |
| Assets per employee ($millions) | 7.5169% | 752 |
| Cash dividends to net income (ytd only)* | 62.2759% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 4,267 |
| Loan loss allowance to noncurrent loans | 227.8017% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 3,664 |
| Noncurrent loans to loans | 0.4398% | 3,517 |
| Net loans and leases to total assets | 86.8475% | 165 |
| Net loans and leases to deposits | 98.7110% | 707 |
| Net loans and leases to core deposits | 129.1614% | 272 |
| Total domestic deposits to total assets | 87.9816% | 1,725 |
| Equity capital to assets | 11.4513% | 2,214 |
| Core capital (leverage) ratio | 11.4604% | 1,979 |
| Tier 1 risk-based capital ratio | 13.9584% | 3,509 |
| Total risk-based capital ratio | 15.0296% | 3,519 |
| Memoranda: | ||
| Average total assets | $239,279,000 | 2,620 |
| Average earning assets | $233,793,500 | 2,522 |
| Average equity | $27,271,500 | 2,565 |
| Average total loans | $209,717,500 | 2,099 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8264% | 159 |
| Cost of funding earning assets | 0.7566% | 615 |
| Net interest margin | 5.0698% | 224 |
| Noninterest income to average assets | 0.0213% | 5,823 |
| Noninterest expense to average assets | 2.2848% | 4,589 |
| Loan and lease loss provision to assets | 0.1545% | 1,615 |
| Net operating income to assets | 2.4306% | 155 |
| Return on assets (ROA) | 2.4306% | 160 |
| Pretax return on assets | 2.5178% | 194 |
| Return on Equity (ROE) | 21.7606% | 153 |
| Retained earnings to average equity (ytd only) | 8.5216% | 695 |
| Net charge-offs to loans | 0.1322% | 1,923 |
| Credit loss provision to net charge-offs | 133.3333% | 2,030 |
| Earnings coverage of net charge-offs (x) | 23.0599% | 1,702 |
| Efficiency ratio | 46.0905% | 5,640 |
| Assets per employee ($millions) | 8.2075% | 552 |
| Cash dividends to net income (ytd only)* | 60.8393% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 4,257 |
| Loan loss allowance to noncurrent loans | 235.8744% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 3,782 |
| Noncurrent loans to loans | 0.4280% | 3,606 |
| Net loans and leases to total assets | 86.6800% | 198 |
| Net loans and leases to deposits | 97.9616% | 827 |
| Net loans and leases to core deposits | 127.1346% | 323 |
| Total domestic deposits to total assets | 88.4836% | 1,386 |
| Equity capital to assets | 11.3428% | 2,295 |
| Core capital (leverage) ratio | 11.4649% | 1,958 |
| Tier 1 risk-based capital ratio | 13.9160% | 3,511 |
| Total risk-based capital ratio | 15.0005% | 3,514 |
| Memoranda: | ||
| Average total assets | $230,395,200 | 2,666 |
| Average earning assets | $224,306,600 | 2,553 |
| Average equity | $25,734,600 | 2,659 |
| Average total loans | $201,896,000 | 2,112 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8223% | 156 |
| Cost of funding earning assets | 0.7520% | 630 |
| Net interest margin | 5.0703% | 222 |
| Noninterest income to average assets | 0.0222% | 5,894 |
| Noninterest expense to average assets | 2.2909% | 4,555 |
| Loan and lease loss provision to assets | 0.2042% | 1,035 |
| Net operating income to assets | 2.3744% | 189 |
| Return on assets (ROA) | 2.3744% | 195 |
| Pretax return on assets | 2.4607% | 233 |
| Return on Equity (ROE) | 21.3433% | 179 |
| Retained earnings to average equity (ytd only) | 8.4240% | 1,008 |
| Net charge-offs to loans | 0.2011% | 1,164 |
| Credit loss provision to net charge-offs | 115.8940% | 2,144 |
| Earnings coverage of net charge-offs (x) | 15.1224% | 2,200 |
| Efficiency ratio | 46.2263% | 5,661 |
| Assets per employee ($millions) | 8.4146% | 500 |
| Cash dividends to net income (ytd only)* | 60.5309% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0037% | 4,384 |
| Loan loss allowance to noncurrent loans | 285.3389% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 4,182 |
| Noncurrent loans to loans | 0.3518% | 3,993 |
| Net loans and leases to total assets | 86.3583% | 225 |
| Net loans and leases to deposits | 97.4893% | 901 |
| Net loans and leases to core deposits | 122.1085% | 458 |
| Total domestic deposits to total assets | 88.5823% | 1,113 |
| Equity capital to assets | 11.1630% | 2,837 |
| Core capital (leverage) ratio | 11.2370% | 2,244 |
| Tier 1 risk-based capital ratio | 13.7428% | 3,715 |
| Total risk-based capital ratio | 14.8208% | 3,730 |
| Memoranda: | ||
| Average total assets | $228,489,500 | 2,683 |
| Average earning assets | $222,334,500 | 2,580 |
| Average equity | $25,418,750 | 2,695 |
| Average total loans | $200,265,500 | 2,124 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7815% | 169 |
| Cost of funding earning assets | 0.7415% | 660 |
| Net interest margin | 5.0399% | 239 |
| Noninterest income to average assets | 0.0327% | 5,948 |
| Noninterest expense to average assets | 2.3112% | 4,580 |
| Loan and lease loss provision to assets | 0.2379% | 831 |
| Net operating income to assets | 2.3050% | 197 |
| Return on assets (ROA) | 2.3050% | 207 |
| Pretax return on assets | 2.3890% | 260 |
| Return on Equity (ROE) | 20.7446% | 207 |
| Retained earnings to average equity (ytd only) | 7.4747% | 1,396 |
| Net charge-offs to loans | 0.2237% | 1,043 |
| Credit loss provision to net charge-offs | 121.1712% | 1,850 |
| Earnings coverage of net charge-offs (x) | 13.3784% | 2,133 |
| Efficiency ratio | 46.8028% | 5,720 |
| Assets per employee ($millions) | 8.0327% | 553 |
| Cash dividends to net income (ytd only)* | 63.9678% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0120% | 4,445 |
| Loan loss allowance to noncurrent loans | 219.9360% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 3,882 |
| Noncurrent loans to loans | 0.4601% | 3,719 |
| Net loans and leases to total assets | 86.6215% | 208 |
| Net loans and leases to deposits | 97.5184% | 927 |
| Net loans and leases to core deposits | 121.4878% | 476 |
| Total domestic deposits to total assets | 88.8259% | 999 |
| Equity capital to assets | 10.9801% | 3,080 |
| Core capital (leverage) ratio | 11.1503% | 2,283 |
| Tier 1 risk-based capital ratio | 13.5125% | 3,894 |
| Total risk-based capital ratio | 14.6024% | 3,902 |
| Memoranda: | ||
| Average total assets | $226,116,670 | 2,726 |
| Average earning assets | $220,083,000 | 2,612 |
| Average equity | $25,124,670 | 2,729 |
| Average total loans | $198,510,670 | 2,141 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7858% | 165 |
| Cost of funding earning assets | 0.7336% | 681 |
| Net interest margin | 5.0522% | 225 |
| Noninterest income to average assets | 0.0467% | 5,977 |
| Noninterest expense to average assets | 2.3368% | 4,559 |
| Loan and lease loss provision to assets | 0.1203% | 1,752 |
| Net operating income to assets | 2.4122% | 180 |
| Return on assets (ROA) | 2.4122% | 188 |
| Pretax return on assets | 2.5002% | 236 |
| Return on Equity (ROE) | 21.5760% | 175 |
| Retained earnings to average equity (ytd only) | 9.0288% | 1,108 |
| Net charge-offs to loans | 0.3268% | 676 |
| Credit loss provision to net charge-offs | 41.8750% | 2,135 |
| Earnings coverage of net charge-offs (x) | 9.1188% | 2,010 |
| Efficiency ratio | 47.1377% | 5,766 |
| Assets per employee ($millions) | 7.7409% | 625 |
| Cash dividends to net income (ytd only)* | 58.1534% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 4,754 |
| Loan loss allowance to noncurrent loans | 236.2408% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 4,114 |
| Noncurrent loans to loans | 0.4114% | 3,961 |
| Net loans and leases to total assets | 87.2731% | 153 |
| Net loans and leases to deposits | 98.9635% | 694 |
| Net loans and leases to core deposits | 122.0030% | 414 |
| Total domestic deposits to total assets | 88.1872% | 1,537 |
| Equity capital to assets | 11.2248% | 2,705 |
| Core capital (leverage) ratio | 11.2887% | 2,155 |
| Tier 1 risk-based capital ratio | 13.6960% | 3,871 |
| Total risk-based capital ratio | 14.7412% | 3,913 |
| Memoranda: | ||
| Average total assets | $222,700,500 | 2,756 |
| Average earning assets | $216,460,000 | 2,661 |
| Average equity | $24,898,000 | 2,752 |
| Average total loans | $195,842,500 | 2,157 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0578% | 120 |
| Cost of funding earning assets | 0.7077% | 785 |
| Net interest margin | 5.3501% | 159 |
| Noninterest income to average assets | 0.0351% | 6,036 |
| Noninterest expense to average assets | 2.3523% | 4,642 |
| Loan and lease loss provision to assets | 0.2609% | 716 |
| Net operating income to assets | 2.4462% | 163 |
| Return on assets (ROA) | 2.4462% | 167 |
| Pretax return on assets | 2.5353% | 188 |
| Return on Equity (ROE) | 21.6611% | 187 |
| Retained earnings to average equity (ytd only) | 8.1682% | 861 |
| Net charge-offs to loans | 0.0939% | 2,485 |
| Credit loss provision to net charge-offs | 315.1163% | 944 |
| Earnings coverage of net charge-offs (x) | 33.7674% | 1,333 |
| Efficiency ratio | 45.6892% | 5,938 |
| Assets per employee ($millions) | 8.1820% | 516 |
| Cash dividends to net income (ytd only)* | 62.2909% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 4,384 |
| Loan loss allowance to noncurrent loans | 280.0000% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.3259% | 4,282 |
| Noncurrent loans to loans | 0.3714% | 4,115 |
| Net loans and leases to total assets | 86.8343% | 179 |
| Net loans and leases to deposits | 97.8450% | 830 |
| Net loans and leases to core deposits | 119.4763% | 490 |
| Total domestic deposits to total assets | 88.7468% | 1,258 |
| Equity capital to assets | 11.1346% | 2,691 |
| Core capital (leverage) ratio | 11.1793% | 2,236 |
| Tier 1 risk-based capital ratio | 13.6141% | 3,941 |
| Total risk-based capital ratio | 14.7299% | 3,957 |
| Memoranda: | ||
| Average total assets | $207,708,000 | 2,875 |
| Average earning assets | $198,521,400 | 2,793 |
| Average equity | $23,456,800 | 2,839 |
| Average total loans | $183,102,600 | 2,209 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0797% | 124 |
| Cost of funding earning assets | 0.6964% | 854 |
| Net interest margin | 5.3833% | 147 |
| Noninterest income to average assets | 0.0476% | 6,107 |
| Noninterest expense to average assets | 2.3410% | 4,673 |
| Loan and lease loss provision to assets | 0.2896% | 525 |
| Net operating income to assets | 2.4506% | 172 |
| Return on assets (ROA) | 2.4506% | 179 |
| Pretax return on assets | 2.5400% | 227 |
| Return on Equity (ROE) | 21.6180% | 203 |
| Retained earnings to average equity (ytd only) | 8.2628% | 1,136 |
| Net charge-offs to loans | 0.1323% | 1,811 |
| Credit loss provision to net charge-offs | 248.0447% | 1,148 |
| Earnings coverage of net charge-offs (x) | 24.2347% | 1,700 |
| Efficiency ratio | 45.2756% | 5,986 |
| Assets per employee ($millions) | 7.7555% | 604 |
| Cash dividends to net income (ytd only)* | 61.7780% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 4,725 |
| Loan loss allowance to noncurrent loans | 149.7259% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 3,472 |
| Noncurrent loans to loans | 0.6706% | 3,318 |
| Net loans and leases to total assets | 86.8080% | 188 |
| Net loans and leases to deposits | 97.9792% | 819 |
| Net loans and leases to core deposits | 119.6923% | 480 |
| Total domestic deposits to total assets | 88.5984% | 1,241 |
| Equity capital to assets | 11.1069% | 2,898 |
| Core capital (leverage) ratio | 11.2742% | 2,219 |
| Tier 1 risk-based capital ratio | 13.6428% | 4,056 |
| Total risk-based capital ratio | 14.7243% | 4,084 |
| Memoranda: | ||
| Average total assets | $204,406,250 | 2,932 |
| Average earning assets | $194,522,250 | 2,857 |
| Average equity | $23,171,500 | 2,885 |
| Average total loans | $180,416,750 | 2,243 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0420% | 126 |
| Cost of funding earning assets | 0.6795% | 934 |
| Net interest margin | 5.3625% | 152 |
| Noninterest income to average assets | 0.0500% | 6,174 |
| Noninterest expense to average assets | 2.3282% | 4,774 |
| Loan and lease loss provision to assets | 0.2628% | 641 |
| Net operating income to assets | 2.4791% | 168 |
| Return on assets (ROA) | 2.4791% | 178 |
| Pretax return on assets | 2.5690% | 226 |
| Return on Equity (ROE) | 21.7101% | 205 |
| Retained earnings to average equity (ytd only) | 7.4292% | 1,505 |
| Net charge-offs to loans | 0.1039% | 1,969 |
| Credit loss provision to net charge-offs | 285.8696% | 958 |
| Earnings coverage of net charge-offs (x) | 30.8043% | 1,343 |
| Efficiency ratio | 45.1201% | 6,075 |
| Assets per employee ($millions) | 8.1106% | 503 |
| Cash dividends to net income (ytd only)* | 65.7799% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 4,987 |
| Loan loss allowance to noncurrent loans | 150.6214% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 3,662 |
| Noncurrent loans to loans | 0.6471% | 3,538 |
| Net loans and leases to total assets | 87.5860% | 163 |
| Net loans and leases to deposits | 98.7262% | 735 |
| Net loans and leases to core deposits | 121.6585% | 425 |
| Total domestic deposits to total assets | 88.7161% | 1,287 |
| Equity capital to assets | 11.1592% | 2,709 |
| Core capital (leverage) ratio | 11.5113% | 1,984 |
| Tier 1 risk-based capital ratio | 13.6810% | 4,107 |
| Total risk-based capital ratio | 14.7379% | 4,162 |
| Memoranda: | ||
| Average total assets | $200,157,000 | 2,990 |
| Average earning assets | $190,732,330 | 2,929 |
| Average equity | $22,855,670 | 2,925 |
| Average total loans | $177,082,670 | 2,285 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0190% | 126 |
| Cost of funding earning assets | 0.6673% | 1,008 |
| Net interest margin | 5.3517% | 144 |
| Noninterest income to average assets | 0.0883% | 6,128 |
| Noninterest expense to average assets | 2.3142% | 4,843 |
| Loan and lease loss provision to assets | 0.2567% | 634 |
| Net operating income to assets | 2.5298% | 145 |
| Return on assets (ROA) | 2.5298% | 156 |
| Pretax return on assets | 2.6222% | 204 |
| Return on Equity (ROE) | 21.8852% | 192 |
| Retained earnings to average equity (ytd only) | 7.4786% | 1,775 |
| Net charge-offs to loans | 0.0278% | 2,622 |
| Credit loss provision to net charge-offs | 1,041.6667% | 324 |
| Earnings coverage of net charge-offs (x) | 116.8333% | 429 |
| Efficiency ratio | 44.5631% | 6,158 |
| Assets per employee ($millions) | 8.0160% | 543 |
| Cash dividends to net income (ytd only)* | 65.8279% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 5,070 |
| Loan loss allowance to noncurrent loans | 186.3347% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 4,146 |
| Noncurrent loans to loans | 0.5328% | 3,978 |
| Net loans and leases to total assets | 87.5390% | 125 |
| Net loans and leases to deposits | 99.3724% | 598 |
| Net loans and leases to core deposits | 120.7415% | 393 |
| Total domestic deposits to total assets | 88.0919% | 1,764 |
| Equity capital to assets | 11.3408% | 2,608 |
| Core capital (leverage) ratio | 11.7200% | 1,840 |
| Tier 1 risk-based capital ratio | 14.0299% | 3,982 |
| Total risk-based capital ratio | 15.1157% | 4,031 |
| Memoranda: | ||
| Average total assets | $194,798,000 | 3,061 |
| Average earning assets | $185,811,500 | 2,987 |
| Average equity | $22,517,500 | 2,971 |
| Average total loans | $172,366,500 | 2,345 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3060% | 109 |
| Cost of funding earning assets | 0.6275% | 1,555 |
| Net interest margin | 5.6785% | 103 |
| Noninterest income to average assets | 0.0095% | 6,377 |
| Noninterest expense to average assets | 2.5667% | 4,336 |
| Loan and lease loss provision to assets | 0.3981% | 446 |
| Net operating income to assets | 2.3834% | 174 |
| Return on assets (ROA) | 2.3834% | 176 |
| Pretax return on assets | 2.4679% | 203 |
| Return on Equity (ROE) | 18.5451% | 352 |
| Retained earnings to average equity (ytd only) | 5.8761% | 2,001 |
| Net charge-offs to loans | 0.2241% | 1,872 |
| Credit loss provision to net charge-offs | 200.2994% | 1,221 |
| Earnings coverage of net charge-offs (x) | 14.4192% | 2,167 |
| Efficiency ratio | 47.2450% | 6,217 |
| Assets per employee ($millions) | 7.0072% | 840 |
| Cash dividends to net income (ytd only)* | 68.3146% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 5,148 |
| Loan loss allowance to noncurrent loans | 194.5626% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 4,255 |
| Noncurrent loans to loans | 0.5049% | 4,151 |
| Net loans and leases to total assets | 87.6868% | 128 |
| Net loans and leases to deposits | 99.5768% | 644 |
| Net loans and leases to core deposits | 121.9648% | 369 |
| Total domestic deposits to total assets | 88.0594% | 1,737 |
| Equity capital to assets | 11.7910% | 2,179 |
| Core capital (leverage) ratio | 12.1016% | 1,562 |
| Tier 1 risk-based capital ratio | 14.7819% | 3,610 |
| Total risk-based capital ratio | 15.8726% | 3,636 |
| Memoranda: | ||
| Average total assets | $168,039,600 | 3,367 |
| Average earning assets | $160,481,800 | 3,274 |
| Average equity | $21,596,000 | 2,988 |
| Average total loans | $149,060,200 | 2,586 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3344% | 104 |
| Cost of funding earning assets | 0.6142% | 1,727 |
| Net interest margin | 5.7202% | 102 |
| Noninterest income to average assets | 0.0090% | 6,458 |
| Noninterest expense to average assets | 2.6043% | 4,190 |
| Loan and lease loss provision to assets | 0.3973% | 427 |
| Net operating income to assets | 2.3831% | 172 |
| Return on assets (ROA) | 2.3831% | 174 |
| Pretax return on assets | 2.4700% | 223 |
| Return on Equity (ROE) | 18.1089% | 431 |
| Retained earnings to average equity (ytd only) | 5.9076% | 2,464 |
| Net charge-offs to loans | 0.2114% | 1,776 |
| Credit loss provision to net charge-offs | 211.7904% | 1,218 |
| Earnings coverage of net charge-offs (x) | 15.2836% | 2,065 |
| Efficiency ratio | 47.5969% | 6,218 |
| Assets per employee ($millions) | 6.6454% | 946 |
| Cash dividends to net income (ytd only)* | 67.3772% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 5,254 |
| Loan loss allowance to noncurrent loans | 161.9442% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 4,235 |
| Noncurrent loans to loans | 0.6119% | 4,089 |
| Net loans and leases to total assets | 87.1975% | 143 |
| Net loans and leases to deposits | 99.6300% | 632 |
| Net loans and leases to core deposits | 123.1512% | 325 |
| Total domestic deposits to total assets | 87.5213% | 2,024 |
| Equity capital to assets | 12.2546% | 1,864 |
| Core capital (leverage) ratio | 12.5674% | 1,372 |
| Tier 1 risk-based capital ratio | 15.4861% | 3,333 |
| Total risk-based capital ratio | 16.5891% | 3,339 |
| Memoranda: | ||
| Average total assets | $162,750,750 | 3,475 |
| Average earning assets | $155,422,500 | 3,373 |
| Average equity | $21,418,000 | 3,011 |
| Average total loans | $144,439,000 | 2,662 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2864% | 107 |
| Cost of funding earning assets | 0.6014% | 1,885 |
| Net interest margin | 5.6851% | 104 |
| Noninterest income to average assets | 0.0140% | 6,525 |
| Noninterest expense to average assets | 2.6452% | 4,074 |
| Loan and lease loss provision to assets | 0.5636% | 255 |
| Net operating income to assets | 2.1630% | 244 |
| Return on assets (ROA) | 2.1630% | 257 |
| Pretax return on assets | 2.2418% | 332 |
| Return on Equity (ROE) | 16.0166% | 655 |
| Retained earnings to average equity (ytd only) | 3.3446% | 4,074 |
| Net charge-offs to loans | 0.3416% | 1,192 |
| Credit loss provision to net charge-offs | 185.3556% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.2259% | 2,386 |
| Efficiency ratio | 48.5294% | 6,258 |
| Assets per employee ($millions) | 6.4742% | 1,026 |
| Cash dividends to net income (ytd only)* | 79.1176% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 5,293 |
| Loan loss allowance to noncurrent loans | 115.8257% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 3,638 |
| Noncurrent loans to loans | 0.8748% | 3,510 |
| Net loans and leases to total assets | 87.9219% | 101 |
| Net loans and leases to deposits | 100.9116% | 510 |
| Net loans and leases to core deposits | 126.4106% | 264 |
| Total domestic deposits to total assets | 87.1277% | 2,383 |
| Equity capital to assets | 12.7090% | 1,536 |
| Core capital (leverage) ratio | 13.0748% | 1,130 |
| Tier 1 risk-based capital ratio | 15.8752% | 3,155 |
| Total risk-based capital ratio | 16.9995% | 3,161 |
| Memoranda: | ||
| Average total assets | $157,192,330 | 3,577 |
| Average earning assets | $150,323,330 | 3,479 |
| Average equity | $21,228,000 | 3,030 |
| Average total loans | $139,911,670 | 2,729 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2245% | 112 |
| Cost of funding earning assets | 0.5872% | 2,098 |
| Net interest margin | 5.6374% | 112 |
| Noninterest income to average assets | 0.0185% | 6,572 |
| Noninterest expense to average assets | 2.6724% | 4,030 |
| Loan and lease loss provision to assets | 0.4142% | 403 |
| Net operating income to assets | 2.2450% | 218 |
| Return on assets (ROA) | 2.2450% | 228 |
| Pretax return on assets | 2.3268% | 297 |
| Return on Equity (ROE) | 16.0980% | 630 |
| Retained earnings to average equity (ytd only) | 4.0481% | 3,684 |
| Net charge-offs to loans | 0.1391% | 1,886 |
| Credit loss provision to net charge-offs | 334.0426% | 736 |
| Earnings coverage of net charge-offs (x) | 22.1064% | 1,265 |
| Efficiency ratio | 49.3665% | 6,296 |
| Assets per employee ($millions) | 5.8833% | 1,386 |
| Cash dividends to net income (ytd only)* | 74.8531% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 5,485 |
| Loan loss allowance to noncurrent loans | 107.8967% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 3,654 |
| Noncurrent loans to loans | 0.9344% | 3,549 |
| Net loans and leases to total assets | 87.8337% | 84 |
| Net loans and leases to deposits | 102.2356% | 361 |
| Net loans and leases to core deposits | 128.7992% | 199 |
| Total domestic deposits to total assets | 85.9130% | 3,407 |
| Equity capital to assets | 13.3794% | 1,145 |
| Core capital (leverage) ratio | 14.0898% | 794 |
| Tier 1 risk-based capital ratio | 16.6339% | 2,838 |
| Total risk-based capital ratio | 17.7461% | 2,870 |
| Memoranda: | ||
| Average total assets | $151,623,500 | 3,682 |
| Average earning assets | $145,103,500 | 3,603 |
| Average equity | $21,145,500 | 3,032 |
| Average total loans | $135,110,500 | 2,811 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6444% | 85 |
| Cost of funding earning assets | 0.6098% | 2,573 |
| Net interest margin | 6.0346% | 81 |
| Noninterest income to average assets | 0.1295% | 6,279 |
| Noninterest expense to average assets | 2.8575% | 3,503 |
| Loan and lease loss provision to assets | 0.2063% | 1,795 |
| Net operating income to assets | 2.7280% | 135 |
| Return on assets (ROA) | 2.7280% | 136 |
| Pretax return on assets | 2.8251% | 140 |
| Return on Equity (ROE) | 17.8450% | 422 |
| Retained earnings to average equity (ytd only) | 6.4672% | 1,705 |
| Net charge-offs to loans | 0.2256% | 2,653 |
| Credit loss provision to net charge-offs | 104.1825% | 2,327 |
| Earnings coverage of net charge-offs (x) | 15.3080% | 1,877 |
| Efficiency ratio | 48.5232% | 6,473 |
| Assets per employee ($millions) | 5.3481% | 1,799 |
| Cash dividends to net income (ytd only)* | 63.7593% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 5,493 |
| Loan loss allowance to noncurrent loans | 84.1463% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.0790% | 3,251 |
| Noncurrent loans to loans | 1.2052% | 3,133 |
| Net loans and leases to total assets | 88.6203% | 67 |
| Net loans and leases to deposits | 103.9276% | 326 |
| Net loans and leases to core deposits | 132.3111% | 180 |
| Total domestic deposits to total assets | 85.2713% | 3,609 |
| Equity capital to assets | 14.5695% | 768 |
| Core capital (leverage) ratio | 14.9359% | 611 |
| Tier 1 risk-based capital ratio | 17.7549% | 2,319 |
| Total risk-based capital ratio | 18.8613% | 2,352 |
| Memoranda: | ||
| Average total assets | $132,809,200 | 4,016 |
| Average earning assets | $126,753,400 | 3,913 |
| Average equity | $20,302,600 | 3,122 |
| Average total loans | $116,568,400 | 3,118 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6813% | 83 |
| Cost of funding earning assets | 0.6139% | 2,698 |
| Net interest margin | 6.0673% | 78 |
| Noninterest income to average assets | 0.0924% | 6,502 |
| Noninterest expense to average assets | 2.8624% | 3,432 |
| Loan and lease loss provision to assets | 0.2473% | 1,444 |
| Net operating income to assets | 2.6674% | 147 |
| Return on assets (ROA) | 2.6674% | 152 |
| Pretax return on assets | 2.7639% | 173 |
| Return on Equity (ROE) | 17.2240% | 517 |
| Retained earnings to average equity (ytd only) | 6.2693% | 2,254 |
| Net charge-offs to loans | 0.2810% | 2,137 |
| Credit loss provision to net charge-offs | 100.8368% | 2,319 |
| Earnings coverage of net charge-offs (x) | 12.2761% | 2,149 |
| Efficiency ratio | 48.7332% | 6,468 |
| Assets per employee ($millions) | 5.3232% | 1,823 |
| Cash dividends to net income (ytd only)* | 63.6012% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 5,490 |
| Loan loss allowance to noncurrent loans | 105.3398% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9256% | 3,816 |
| Noncurrent loans to loans | 1.0049% | 3,797 |
| Net loans and leases to total assets | 87.9258% | 90 |
| Net loans and leases to deposits | 103.7071% | 307 |
| Net loans and leases to core deposits | 132.5986% | 158 |
| Total domestic deposits to total assets | 84.7827% | 3,847 |
| Equity capital to assets | 14.9355% | 723 |
| Core capital (leverage) ratio | 15.3391% | 586 |
| Tier 1 risk-based capital ratio | 18.3415% | 2,201 |
| Total risk-based capital ratio | 19.4967% | 2,195 |
| Memoranda: | ||
| Average total assets | $129,912,000 | 4,118 |
| Average earning assets | $123,785,750 | 4,005 |
| Average equity | $20,118,750 | 3,175 |
| Average total loans | $113,391,250 | 3,198 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6713% | 83 |
| Cost of funding earning assets | 0.6151% | 2,805 |
| Net interest margin | 6.0563% | 78 |
| Noninterest income to average assets | 0.0897% | 6,557 |
| Noninterest expense to average assets | 2.9398% | 3,201 |
| Loan and lease loss provision to assets | 0.3037% | 1,185 |
| Net operating income to assets | 2.5196% | 168 |
| Return on assets (ROA) | 2.5196% | 181 |
| Pretax return on assets | 2.6109% | 246 |
| Return on Equity (ROE) | 16.0625% | 658 |
| Retained earnings to average equity (ytd only) | 4.8057% | 3,179 |
| Net charge-offs to loans | 0.3322% | 1,856 |
| Credit loss provision to net charge-offs | 105.4645% | 2,098 |
| Earnings coverage of net charge-offs (x) | 10.1202% | 2,188 |
| Efficiency ratio | 50.2151% | 6,413 |
| Assets per employee ($millions) | 5.3376% | 1,755 |
| Cash dividends to net income (ytd only)* | 70.0812% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 5,337 |
| Loan loss allowance to noncurrent loans | 105.7304% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9847% | 3,793 |
| Noncurrent loans to loans | 1.0659% | 3,794 |
| Net loans and leases to total assets | 86.1250% | 149 |
| Net loans and leases to deposits | 101.7440% | 343 |
| Net loans and leases to core deposits | 130.0627% | 187 |
| Total domestic deposits to total assets | 84.6486% | 4,060 |
| Equity capital to assets | 15.1100% | 693 |
| Core capital (leverage) ratio | 15.4298% | 534 |
| Tier 1 risk-based capital ratio | 18.7354% | 2,068 |
| Total risk-based capital ratio | 19.9526% | 2,050 |
| Memoranda: | ||
| Average total assets | $127,082,000 | 4,203 |
| Average earning assets | $120,965,670 | 4,100 |
| Average equity | $19,934,670 | 3,215 |
| Average total loans | $110,190,670 | 3,269 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7003% | 79 |
| Cost of funding earning assets | 0.6131% | 2,982 |
| Net interest margin | 6.0872% | 70 |
| Noninterest income to average assets | 0.0807% | 6,641 |
| Noninterest expense to average assets | 3.0669% | 2,781 |
| Loan and lease loss provision to assets | 0.1743% | 2,123 |
| Net operating income to assets | 2.5472% | 150 |
| Return on assets (ROA) | 2.5472% | 162 |
| Pretax return on assets | 2.6408% | 219 |
| Return on Equity (ROE) | 15.9229% | 619 |
| Retained earnings to average equity (ytd only) | 5.4691% | 2,968 |
| Net charge-offs to loans | 0.3658% | 1,543 |
| Credit loss provision to net charge-offs | 55.1020% | 2,523 |
| Earnings coverage of net charge-offs (x) | 8.8980% | 1,903 |
| Efficiency ratio | 52.1405% | 6,369 |
| Assets per employee ($millions) | 5.2534% | 1,918 |
| Cash dividends to net income (ytd only)* | 65.6527% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,400 |
| Loan loss allowance to noncurrent loans | 141.4414% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 4,247 |
| Noncurrent loans to loans | 0.8144% | 4,494 |
| Net loans and leases to total assets | 85.4801% | 140 |
| Net loans and leases to deposits | 102.1351% | 278 |
| Net loans and leases to core deposits | 135.1241% | 146 |
| Total domestic deposits to total assets | 83.6932% | 4,597 |
| Equity capital to assets | 15.8278% | 587 |
| Core capital (leverage) ratio | 16.1039% | 438 |
| Tier 1 risk-based capital ratio | 19.6849% | 1,852 |
| Total risk-based capital ratio | 20.9239% | 1,833 |
| Memoranda: | ||
| Average total assets | $123,902,500 | 4,307 |
| Average earning assets | $118,083,500 | 4,194 |
| Average equity | $19,820,500 | 3,262 |
| Average total loans | $107,168,000 | 3,353 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2761% | 65 |
| Cost of funding earning assets | 0.6753% | 3,685 |
| Net interest margin | 6.6008% | 61 |
| Noninterest income to average assets | 0.0996% | 6,504 |
| Noninterest expense to average assets | 3.0526% | 3,084 |
| Loan and lease loss provision to assets | 0.4347% | 1,465 |
| Net operating income to assets | 2.7783% | 114 |
| Return on assets (ROA) | 2.7783% | 124 |
| Pretax return on assets | 2.8780% | 157 |
| Return on Equity (ROE) | 16.5161% | 593 |
| Retained earnings to average equity (ytd only) | 6.0907% | 2,022 |
| Net charge-offs to loans | 0.6474% | 1,814 |
| Credit loss provision to net charge-offs | 78.7540% | 3,867 |
| Earnings coverage of net charge-offs (x) | 6.0016% | 2,894 |
| Efficiency ratio | 47.9568% | 6,708 |
| Assets per employee ($millions) | 4.8689% | 2,392 |
| Cash dividends to net income (ytd only)* | 63.1228% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 4,959 |
| Loan loss allowance to noncurrent loans | 141.3043% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 4,383 |
| Noncurrent loans to loans | 0.8737% | 4,431 |
| Net loans and leases to total assets | 85.4440% | 153 |
| Net loans and leases to deposits | 102.2001% | 323 |
| Net loans and leases to core deposits | 132.8679% | 164 |
| Total domestic deposits to total assets | 83.6046% | 4,496 |
| Equity capital to assets | 16.1720% | 525 |
| Core capital (leverage) ratio | 16.6561% | 385 |
| Tier 1 risk-based capital ratio | 20.0181% | 1,674 |
| Total risk-based capital ratio | 21.2689% | 1,647 |
| Memoranda: | ||
| Average total assets | $113,413,200 | 4,511 |
| Average earning assets | $107,654,200 | 4,404 |
| Average equity | $19,078,400 | 3,324 |
| Average total loans | $96,691,200 | 3,603 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3632% | 65 |
| Cost of funding earning assets | 0.6873% | 3,887 |
| Net interest margin | 6.6759% | 60 |
| Noninterest income to average assets | 0.0850% | 6,670 |
| Noninterest expense to average assets | 3.1040% | 2,878 |
| Loan and lease loss provision to assets | 0.5628% | 1,019 |
| Net operating income to assets | 2.6502% | 144 |
| Return on assets (ROA) | 2.6502% | 156 |
| Pretax return on assets | 2.7460% | 201 |
| Return on Equity (ROE) | 15.5895% | 802 |
| Retained earnings to average equity (ytd only) | 6.0019% | 2,695 |
| Net charge-offs to loans | 0.8011% | 1,371 |
| Credit loss provision to net charge-offs | 82.7465% | 3,538 |
| Earnings coverage of net charge-offs (x) | 4.8645% | 3,178 |
| Efficiency ratio | 48.4034% | 6,696 |
| Assets per employee ($millions) | 4.5580% | 2,811 |
| Cash dividends to net income (ytd only)* | 61.5002% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,628 |
| Loan loss allowance to noncurrent loans | 143.2403% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 4,501 |
| Noncurrent loans to loans | 0.9361% | 4,562 |
| Net loans and leases to total assets | 86.2018% | 142 |
| Net loans and leases to deposits | 104.2030% | 276 |
| Net loans and leases to core deposits | 128.1049% | 207 |
| Total domestic deposits to total assets | 82.7249% | 4,747 |
| Equity capital to assets | 17.0031% | 460 |
| Core capital (leverage) ratio | 17.1559% | 361 |
| Tier 1 risk-based capital ratio | 20.9804% | 1,531 |
| Total risk-based capital ratio | 22.2333% | 1,495 |
| Memoranda: | ||
| Average total assets | $111,335,750 | 4,607 |
| Average earning assets | $105,531,250 | 4,500 |
| Average equity | $18,926,750 | 3,372 |
| Average total loans | $94,537,750 | 3,691 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3503% | 66 |
| Cost of funding earning assets | 0.7022% | 3,999 |
| Net interest margin | 6.6481% | 64 |
| Noninterest income to average assets | 0.0779% | 6,762 |
| Noninterest expense to average assets | 3.1377% | 2,790 |
| Loan and lease loss provision to assets | 0.6771% | 831 |
| Net operating income to assets | 2.4804% | 183 |
| Return on assets (ROA) | 2.4804% | 208 |
| Pretax return on assets | 2.5710% | 275 |
| Return on Equity (ROE) | 14.5921% | 999 |
| Retained earnings to average equity (ytd only) | 4.8143% | 3,400 |
| Net charge-offs to loans | 0.8529% | 1,301 |
| Credit loss provision to net charge-offs | 94.4444% | 2,922 |
| Earnings coverage of net charge-offs (x) | 4.5303% | 3,054 |
| Efficiency ratio | 49.1352% | 6,702 |
| Assets per employee ($millions) | 4.6817% | 2,593 |
| Cash dividends to net income (ytd only)* | 67.0073% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4697% | 4,157 |
| Loan loss allowance to noncurrent loans | 167.1801% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8313% | 4,729 |
| Noncurrent loans to loans | 0.8791% | 4,734 |
| Net loans and leases to total assets | 84.1910% | 204 |
| Net loans and leases to deposits | 101.4663% | 362 |
| Net loans and leases to core deposits | 119.8857% | 315 |
| Total domestic deposits to total assets | 82.9744% | 4,766 |
| Equity capital to assets | 16.8877% | 456 |
| Core capital (leverage) ratio | 17.0729% | 361 |
| Tier 1 risk-based capital ratio | 21.3432% | 1,416 |
| Total risk-based capital ratio | 22.5974% | 1,392 |
| Memoranda: | ||
| Average total assets | $110,464,330 | 4,653 |
| Average earning assets | $104,812,330 | 4,543 |
| Average equity | $18,777,330 | 3,387 |
| Average total loans | $92,863,000 | 3,735 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4140% | 72 |
| Cost of funding earning assets | 0.7191% | 4,116 |
| Net interest margin | 6.6949% | 62 |
| Noninterest income to average assets | 0.0292% | 7,018 |
| Noninterest expense to average assets | 3.1119% | 2,880 |
| Loan and lease loss provision to assets | 0.5515% | 1,067 |
| Net operating income to assets | 2.6297% | 150 |
| Return on assets (ROA) | 2.6297% | 180 |
| Pretax return on assets | 2.7247% | 247 |
| Return on Equity (ROE) | 15.4188% | 904 |
| Retained earnings to average equity (ytd only) | 6.6601% | 2,602 |
| Net charge-offs to loans | 1.0341% | 1,005 |
| Credit loss provision to net charge-offs | 63.9831% | 3,039 |
| Earnings coverage of net charge-offs (x) | 3.8008% | 2,742 |
| Efficiency ratio | 48.7136% | 6,756 |
| Assets per employee ($millions) | 4.5756% | 2,856 |
| Cash dividends to net income (ytd only)* | 56.8056% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 4,320 |
| Loan loss allowance to noncurrent loans | 155.4787% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 4,424 |
| Noncurrent loans to loans | 0.9412% | 4,793 |
| Net loans and leases to total assets | 82.6572% | 240 |
| Net loans and leases to deposits | 100.3360% | 359 |
| Net loans and leases to core deposits | 116.9129% | 362 |
| Total domestic deposits to total assets | 82.3804% | 5,166 |
| Equity capital to assets | 17.1507% | 408 |
| Core capital (leverage) ratio | 17.1566% | 346 |
| Tier 1 risk-based capital ratio | 21.7545% | 1,327 |
| Total risk-based capital ratio | 23.0078% | 1,301 |
| Memoranda: | ||
| Average total assets | $109,516,500 | 4,719 |
| Average earning assets | $104,019,000 | 4,598 |
| Average equity | $18,678,500 | 3,394 |
| Average total loans | $91,290,500 | 3,796 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5510% | 65 |
| Cost of funding earning assets | 0.8143% | 4,752 |
| Net interest margin | 6.7367% | 59 |
| Noninterest income to average assets | 0.0395% | 6,878 |
| Noninterest expense to average assets | 3.0050% | 3,571 |
| Loan and lease loss provision to assets | 0.8815% | 1,099 |
| Net operating income to assets | 2.5387% | 129 |
| Return on assets (ROA) | 2.5387% | 134 |
| Pretax return on assets | 2.6221% | 174 |
| Return on Equity (ROE) | 15.7607% | 643 |
| Retained earnings to average equity (ytd only) | 6.0738% | 1,975 |
| Net charge-offs to loans | 1.0392% | 1,669 |
| Credit loss provision to net charge-offs | 103.3649% | 3,350 |
| Earnings coverage of net charge-offs (x) | 4.1083% | 3,263 |
| Efficiency ratio | 46.1697% | 7,035 |
| Assets per employee ($millions) | 4.5508% | 2,825 |
| Cash dividends to net income (ytd only)* | 61.4624% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 3,643 |
| Loan loss allowance to noncurrent loans | 137.7885% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 1.0896% | 4,438 |
| Noncurrent loans to loans | 1.1496% | 4,447 |
| Net loans and leases to total assets | 81.5159% | 371 |
| Net loans and leases to deposits | 98.3637% | 536 |
| Net loans and leases to core deposits | 115.2507% | 459 |
| Total domestic deposits to total assets | 82.8719% | 4,799 |
| Equity capital to assets | 16.9597% | 447 |
| Core capital (leverage) ratio | 16.9265% | 369 |
| Tier 1 risk-based capital ratio | 21.6158% | 1,296 |
| Total risk-based capital ratio | 22.8714% | 1,263 |
| Memoranda: | ||
| Average total assets | $111,513,600 | 4,605 |
| Average earning assets | $107,085,200 | 4,477 |
| Average equity | $17,962,400 | 3,428 |
| Average total loans | $91,509,800 | 3,818 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5540% | 68 |
| Cost of funding earning assets | 0.8316% | 4,935 |
| Net interest margin | 6.7224% | 59 |
| Noninterest income to average assets | 0.0488% | 6,961 |
| Noninterest expense to average assets | 3.0261% | 3,461 |
| Loan and lease loss provision to assets | 0.8434% | 1,085 |
| Net operating income to assets | 2.5575% | 140 |
| Return on assets (ROA) | 2.5575% | 146 |
| Pretax return on assets | 2.6503% | 191 |
| Return on Equity (ROE) | 16.0844% | 669 |
| Retained earnings to average equity (ytd only) | 6.5085% | 2,238 |
| Net charge-offs to loans | 1.0083% | 1,596 |
| Credit loss provision to net charge-offs | 102.1614% | 3,271 |
| Earnings coverage of net charge-offs (x) | 4.2320% | 3,135 |
| Efficiency ratio | 46.4149% | 7,036 |
| Assets per employee ($millions) | 4.7472% | 2,562 |
| Cash dividends to net income (ytd only)* | 59.5346% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 3,887 |
| Loan loss allowance to noncurrent loans | 137.7432% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.0130% | 4,730 |
| Noncurrent loans to loans | 1.1254% | 4,664 |
| Net loans and leases to total assets | 82.3650% | 328 |
| Net loans and leases to deposits | 99.2473% | 501 |
| Net loans and leases to core deposits | 116.7086% | 477 |
| Total domestic deposits to total assets | 82.9896% | 4,688 |
| Equity capital to assets | 16.7375% | 511 |
| Core capital (leverage) ratio | 16.6174% | 431 |
| Tier 1 risk-based capital ratio | 21.0857% | 1,438 |
| Total risk-based capital ratio | 22.3399% | 1,414 |
| Memoranda: | ||
| Average total assets | $112,087,500 | 4,617 |
| Average earning assets | $107,895,250 | 4,480 |
| Average equity | $17,822,250 | 3,450 |
| Average total loans | $91,771,500 | 3,848 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5245% | 71 |
| Cost of funding earning assets | 0.8558% | 5,018 |
| Net interest margin | 6.6686% | 66 |
| Noninterest income to average assets | 0.0372% | 7,089 |
| Noninterest expense to average assets | 3.0516% | 3,427 |
| Loan and lease loss provision to assets | 0.6775% | 1,423 |
| Net operating income to assets | 2.6359% | 141 |
| Return on assets (ROA) | 2.6359% | 146 |
| Pretax return on assets | 2.7314% | 187 |
| Return on Equity (ROE) | 16.8635% | 566 |
| Retained earnings to average equity (ytd only) | 7.3339% | 1,724 |
| Net charge-offs to loans | 0.9640% | 1,626 |
| Credit loss provision to net charge-offs | 86.4560% | 3,573 |
| Earnings coverage of net charge-offs (x) | 4.3499% | 2,880 |
| Efficiency ratio | 47.2344% | 7,101 |
| Assets per employee ($millions) | 4.8210% | 2,380 |
| Cash dividends to net income (ytd only)* | 56.5101% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 4,249 |
| Loan loss allowance to noncurrent loans | 109.3801% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2049% | 4,480 |
| Noncurrent loans to loans | 1.3454% | 4,408 |
| Net loans and leases to total assets | 80.9744% | 450 |
| Net loans and leases to deposits | 97.6880% | 608 |
| Net loans and leases to core deposits | 113.5138% | 594 |
| Total domestic deposits to total assets | 82.8908% | 4,804 |
| Equity capital to assets | 16.2461% | 581 |
| Core capital (leverage) ratio | 16.0696% | 500 |
| Tier 1 risk-based capital ratio | 20.6148% | 1,489 |
| Total risk-based capital ratio | 21.8690% | 1,467 |
| Memoranda: | ||
| Average total assets | $113,054,670 | 4,629 |
| Average earning assets | $108,897,670 | 4,479 |
| Average equity | $17,671,330 | 3,468 |
| Average total loans | $91,913,000 | 3,893 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5046% | 76 |
| Cost of funding earning assets | 0.8917% | 4,981 |
| Net interest margin | 6.6130% | 66 |
| Noninterest income to average assets | 0.0210% | 7,240 |
| Noninterest expense to average assets | 3.0208% | 3,554 |
| Loan and lease loss provision to assets | 0.9883% | 782 |
| Net operating income to assets | 2.2954% | 232 |
| Return on assets (ROA) | 2.2954% | 244 |
| Pretax return on assets | 2.3795% | 297 |
| Return on Equity (ROE) | 14.9714% | 825 |
| Retained earnings to average equity (ytd only) | 6.1257% | 2,559 |
| Net charge-offs to loans | 1.1224% | 1,236 |
| Credit loss provision to net charge-offs | 108.8803% | 2,450 |
| Earnings coverage of net charge-offs (x) | 3.7104% | 2,660 |
| Efficiency ratio | 47.2847% | 7,144 |
| Assets per employee ($millions) | 4.9032% | 2,296 |
| Cash dividends to net income (ytd only)* | 59.0840% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5494% | 3,965 |
| Loan loss allowance to noncurrent loans | 146.5021% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.0322% | 4,845 |
| Noncurrent loans to loans | 1.0576% | 4,938 |
| Net loans and leases to total assets | 80.2346% | 491 |
| Net loans and leases to deposits | 96.4329% | 665 |
| Net loans and leases to core deposits | 111.7557% | 666 |
| Total domestic deposits to total assets | 83.2025% | 4,850 |
| Equity capital to assets | 15.6367% | 641 |
| Core capital (leverage) ratio | 15.4385% | 586 |
| Tier 1 risk-based capital ratio | 19.9477% | 1,600 |
| Total risk-based capital ratio | 21.2022% | 1,567 |
| Memoranda: | ||
| Average total assets | $114,141,000 | 4,644 |
| Average earning assets | $109,905,500 | 4,472 |
| Average equity | $17,500,000 | 3,490 |
| Average total loans | $92,306,000 | 3,920 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7480% | 68 |
| Cost of funding earning assets | 1.2492% | 4,222 |
| Net interest margin | 6.4988% | 66 |
| Noninterest income to average assets | -0.0685% | 7,369 |
| Noninterest expense to average assets | 2.7598% | 4,743 |
| Loan and lease loss provision to assets | 1.3313% | 1,148 |
| Net operating income to assets | 2.0066% | 279 |
| Return on assets (ROA) | 2.0066% | 293 |
| Pretax return on assets | 2.0802% | 405 |
| Return on Equity (ROE) | 13.9985% | 878 |
| Retained earnings to average equity (ytd only) | 4.5050% | 2,719 |
| Net charge-offs to loans | 1.2901% | 1,729 |
| Credit loss provision to net charge-offs | 127.6337% | 3,150 |
| Earnings coverage of net charge-offs (x) | 3.2707% | 3,441 |
| Efficiency ratio | 44.7199% | 7,393 |
| Assets per employee ($millions) | 5.0221% | 2,129 |
| Cash dividends to net income (ytd only)* | 67.8180% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,946 |
| Loan loss allowance to noncurrent loans | 112.0800% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.3618% | 4,300 |
| Noncurrent loans to loans | 1.3484% | 4,462 |
| Net loans and leases to total assets | 79.0449% | 792 |
| Net loans and leases to deposits | 93.9409% | 1,068 |
| Net loans and leases to core deposits | 108.8468% | 995 |
| Total domestic deposits to total assets | 84.1432% | 4,301 |
| Equity capital to assets | 15.0343% | 781 |
| Core capital (leverage) ratio | 14.8021% | 692 |
| Tier 1 risk-based capital ratio | 19.2560% | 1,651 |
| Total risk-based capital ratio | 20.5101% | 1,624 |
| Memoranda: | ||
| Average total assets | $118,307,000 | 4,514 |
| Average earning assets | $113,590,400 | 4,387 |
| Average equity | $16,959,000 | 3,596 |
| Average total loans | $95,654,400 | 3,905 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7803% | 68 |
| Cost of funding earning assets | 1.3059% | 4,177 |
| Net interest margin | 6.4745% | 67 |
| Noninterest income to average assets | -0.0840% | 7,527 |
| Noninterest expense to average assets | 2.7628% | 4,630 |
| Loan and lease loss provision to assets | 1.3287% | 1,040 |
| Net operating income to assets | 1.9629% | 358 |
| Return on assets (ROA) | 1.9629% | 389 |
| Pretax return on assets | 2.0346% | 578 |
| Return on Equity (ROE) | 13.8572% | 1,061 |
| Retained earnings to average equity (ytd only) | 4.7693% | 3,146 |
| Net charge-offs to loans | 1.2988% | 1,569 |
| Credit loss provision to net charge-offs | 126.3046% | 3,232 |
| Earnings coverage of net charge-offs (x) | 3.1970% | 3,544 |
| Efficiency ratio | 45.0988% | 7,423 |
| Assets per employee ($millions) | 5.3602% | 1,752 |
| Cash dividends to net income (ytd only)* | 65.5822% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 4,515 |
| Loan loss allowance to noncurrent loans | 98.7906% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 4,564 |
| Noncurrent loans to loans | 1.4077% | 4,506 |
| Net loans and leases to total assets | 78.5871% | 945 |
| Net loans and leases to deposits | 92.9109% | 1,340 |
| Net loans and leases to core deposits | 108.8772% | 1,101 |
| Total domestic deposits to total assets | 84.5833% | 3,837 |
| Equity capital to assets | 14.5746% | 1,001 |
| Core capital (leverage) ratio | 14.5814% | 802 |
| Tier 1 risk-based capital ratio | 18.7212% | 1,817 |
| Total risk-based capital ratio | 19.9739% | 1,787 |
| Memoranda: | ||
| Average total assets | $119,006,500 | 4,561 |
| Average earning assets | $114,148,000 | 4,426 |
| Average equity | $16,857,250 | 3,665 |
| Average total loans | $96,391,750 | 3,958 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8011% | 74 |
| Cost of funding earning assets | 1.3753% | 4,027 |
| Net interest margin | 6.4257% | 72 |
| Noninterest income to average assets | -0.0754% | 7,609 |
| Noninterest expense to average assets | 2.7244% | 4,819 |
| Loan and lease loss provision to assets | 1.2851% | 1,076 |
| Net operating income to assets | 2.0039% | 328 |
| Return on assets (ROA) | 2.0039% | 361 |
| Pretax return on assets | 2.0759% | 512 |
| Return on Equity (ROE) | 14.2829% | 978 |
| Retained earnings to average equity (ytd only) | 5.1232% | 2,836 |
| Net charge-offs to loans | 1.2922% | 1,475 |
| Credit loss provision to net charge-offs | 122.1338% | 3,315 |
| Earnings coverage of net charge-offs (x) | 3.1943% | 3,413 |
| Efficiency ratio | 44.7687% | 7,496 |
| Assets per employee ($millions) | 5.6478% | 1,491 |
| Cash dividends to net income (ytd only)* | 64.1304% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 5,145 |
| Loan loss allowance to noncurrent loans | 75.5038% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.5935% | 4,058 |
| Noncurrent loans to loans | 1.6635% | 4,200 |
| Net loans and leases to total assets | 79.4762% | 882 |
| Net loans and leases to deposits | 93.5789% | 1,328 |
| Net loans and leases to core deposits | 109.4263% | 1,203 |
| Total domestic deposits to total assets | 84.9297% | 3,668 |
| Equity capital to assets | 14.3140% | 1,060 |
| Core capital (leverage) ratio | 14.2249% | 870 |
| Tier 1 risk-based capital ratio | 18.1326% | 1,930 |
| Total risk-based capital ratio | 19.3833% | 1,894 |
| Memoranda: | ||
| Average total assets | $119,367,330 | 4,581 |
| Average earning assets | $114,446,000 | 4,446 |
| Average equity | $16,747,330 | 3,673 |
| Average total loans | $97,195,670 | 3,982 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8498% | 82 |
| Cost of funding earning assets | 1.4466% | 3,898 |
| Net interest margin | 6.4033% | 78 |
| Noninterest income to average assets | -0.0635% | 7,732 |
| Noninterest expense to average assets | 2.6288% | 5,233 |
| Loan and lease loss provision to assets | 1.5499% | 752 |
| Net operating income to assets | 1.8272% | 468 |
| Return on assets (ROA) | 1.8272% | 517 |
| Pretax return on assets | 1.8940% | 737 |
| Return on Equity (ROE) | 13.1550% | 1,221 |
| Retained earnings to average equity (ytd only) | 4.0643% | 3,714 |
| Net charge-offs to loans | 1.4358% | 1,206 |
| Credit loss provision to net charge-offs | 131.8182% | 2,677 |
| Earnings coverage of net charge-offs (x) | 2.9290% | 3,087 |
| Efficiency ratio | 43.2893% | 7,639 |
| Assets per employee ($millions) | 5.6690% | 1,521 |
| Cash dividends to net income (ytd only)* | 69.1042% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 5,478 |
| Loan loss allowance to noncurrent loans | 98.2397% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 1.3112% | 4,570 |
| Noncurrent loans to loans | 1.2256% | 4,925 |
| Net loans and leases to total assets | 80.7835% | 739 |
| Net loans and leases to deposits | 95.1247% | 1,213 |
| Net loans and leases to core deposits | 112.9814% | 1,097 |
| Total domestic deposits to total assets | 84.9239% | 3,710 |
| Equity capital to assets | 14.0421% | 1,127 |
| Core capital (leverage) ratio | 14.0074% | 963 |
| Tier 1 risk-based capital ratio | 17.5402% | 2,066 |
| Total risk-based capital ratio | 18.7699% | 2,043 |
| Memoranda: | ||
| Average total assets | $119,749,000 | 4,634 |
| Average earning assets | $114,754,000 | 4,502 |
| Average equity | $16,632,500 | 3,730 |
| Average total loans | $98,063,000 | 4,016 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1571% | 71 |
| Cost of funding earning assets | 2.1767% | 2,133 |
| Net interest margin | 5.9804% | 113 |
| Noninterest income to average assets | 0.0312% | 7,584 |
| Noninterest expense to average assets | 2.5789% | 5,868 |
| Loan and lease loss provision to assets | 1.2321% | 1,866 |
| Net operating income to assets | 1.9240% | 275 |
| Return on assets (ROA) | 1.9240% | 282 |
| Pretax return on assets | 1.9932% | 407 |
| Return on Equity (ROE) | 13.9600% | 792 |
| Retained earnings to average equity (ytd only) | 3.0614% | 3,018 |
| Net charge-offs to loans | 1.0323% | 2,352 |
| Credit loss provision to net charge-offs | 142.4390% | 3,391 |
| Earnings coverage of net charge-offs (x) | 3.7288% | 3,227 |
| Efficiency ratio | 44.4315% | 7,768 |
| Assets per employee ($millions) | 5.7357% | 1,429 |
| Cash dividends to net income (ytd only)* | 78.0702% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 6,024 |
| Loan loss allowance to noncurrent loans | 68.6528% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.6879% | 3,835 |
| Noncurrent loans to loans | 1.5630% | 4,307 |
| Net loans and leases to total assets | 81.1314% | 818 |
| Net loans and leases to deposits | 94.9144% | 1,473 |
| Net loans and leases to core deposits | 183.6051% | 144 |
| Total domestic deposits to total assets | 85.4785% | 3,305 |
| Equity capital to assets | 13.7386% | 1,244 |
| Core capital (leverage) ratio | 13.9521% | 990 |
| Tier 1 risk-based capital ratio | 16.6757% | 2,244 |
| Total risk-based capital ratio | 17.7439% | 2,267 |
| Memoranda: | ||
| Average total assets | $118,500,600 | 4,620 |
| Average earning assets | $114,390,800 | 4,439 |
| Average equity | $16,332,400 | 3,818 |
| Average total loans | $99,289,000 | 3,970 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1849% | 74 |
| Cost of funding earning assets | 2.3284% | 1,883 |
| Net interest margin | 5.8565% | 126 |
| Noninterest income to average assets | 0.0192% | 7,775 |
| Noninterest expense to average assets | 2.6019% | 5,707 |
| Loan and lease loss provision to assets | 1.0281% | 1,869 |
| Net operating income to assets | 1.9862% | 301 |
| Return on assets (ROA) | 1.9862% | 323 |
| Pretax return on assets | 2.0585% | 486 |
| Return on Equity (ROE) | 14.3990% | 859 |
| Retained earnings to average equity (ytd only) | 3.3581% | 3,426 |
| Net charge-offs to loans | 0.9173% | 2,136 |
| Credit loss provision to net charge-offs | 133.0409% | 3,754 |
| Earnings coverage of net charge-offs (x) | 3.9941% | 3,306 |
| Efficiency ratio | 45.7398% | 7,780 |
| Assets per employee ($millions) | 5.5698% | 1,546 |
| Cash dividends to net income (ytd only)* | 76.6782% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8633% | 6,913 |
| Loan loss allowance to noncurrent loans | 47.9977% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.7253% | 3,779 |
| Noncurrent loans to loans | 1.7986% | 3,915 |
| Net loans and leases to total assets | 83.5489% | 602 |
| Net loans and leases to deposits | 98.1894% | 1,306 |
| Net loans and leases to core deposits | 179.4037% | 189 |
| Total domestic deposits to total assets | 85.0896% | 3,183 |
| Equity capital to assets | 14.0709% | 1,284 |
| Core capital (leverage) ratio | 14.1332% | 1,058 |
| Tier 1 risk-based capital ratio | 16.7949% | 2,336 |
| Total risk-based capital ratio | 17.6633% | 2,406 |
| Memoranda: | ||
| Average total assets | $118,013,500 | 4,652 |
| Average earning assets | $114,239,750 | 4,471 |
| Average equity | $16,278,500 | 3,857 |
| Average total loans | $99,415,750 | 4,004 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1693% | 80 |
| Cost of funding earning assets | 2.5036% | 1,601 |
| Net interest margin | 5.6658% | 147 |
| Noninterest income to average assets | 0.0084% | 7,915 |
| Noninterest expense to average assets | 2.5498% | 5,945 |
| Loan and lease loss provision to assets | 0.7773% | 2,137 |
| Net operating income to assets | 2.1003% | 235 |
| Return on assets (ROA) | 2.1003% | 258 |
| Pretax return on assets | 2.1764% | 377 |
| Return on Equity (ROE) | 15.3280% | 778 |
| Retained earnings to average equity (ytd only) | 3.9954% | 3,062 |
| Net charge-offs to loans | 0.6580% | 2,391 |
| Credit loss provision to net charge-offs | 140.2439% | 3,328 |
| Earnings coverage of net charge-offs (x) | 5.3293% | 2,856 |
| Efficiency ratio | 46.3310% | 7,838 |
| Assets per employee ($millions) | 5.4981% | 1,582 |
| Cash dividends to net income (ytd only)* | 73.9340% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 7,272 |
| Loan loss allowance to noncurrent loans | 39.1619% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 1.8301% | 3,431 |
| Noncurrent loans to loans | 1.9405% | 3,617 |
| Net loans and leases to total assets | 85.6185% | 423 |
| Net loans and leases to deposits | 100.7203% | 1,209 |
| Net loans and leases to core deposits | 177.9970% | 241 |
| Total domestic deposits to total assets | 85.0062% | 3,258 |
| Equity capital to assets | 14.1797% | 1,254 |
| Core capital (leverage) ratio | 13.9196% | 1,159 |
| Tier 1 risk-based capital ratio | 16.6068% | 2,418 |
| Total risk-based capital ratio | 17.3747% | 2,531 |
| Memoranda: | ||
| Average total assets | $118,363,000 | 4,679 |
| Average earning assets | $114,795,000 | 4,494 |
| Average equity | $16,218,670 | 3,881 |
| Average total loans | $99,696,330 | 4,027 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1024% | 85 |
| Cost of funding earning assets | 2.6905% | 1,297 |
| Net interest margin | 5.4119% | 197 |
| Noninterest income to average assets | 0.0033% | 8,034 |
| Noninterest expense to average assets | 2.4071% | 6,171 |
| Loan and lease loss provision to assets | 0.5342% | 2,335 |
| Net operating income to assets | 2.2335% | 220 |
| Return on assets (ROA) | 2.2335% | 254 |
| Pretax return on assets | 2.3136% | 354 |
| Return on Equity (ROE) | 16.5779% | 743 |
| Retained earnings to average equity (ytd only) | 4.6587% | 3,334 |
| Net charge-offs to loans | 0.3730% | 2,597 |
| Credit loss provision to net charge-offs | 172.0430% | 2,489 |
| Earnings coverage of net charge-offs (x) | 9.1720% | 2,094 |
| Efficiency ratio | 45.8069% | 7,850 |
| Assets per employee ($millions) | 5.6992% | 1,401 |
| Cash dividends to net income (ytd only)* | 71.8984% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6971% | 7,443 |
| Loan loss allowance to noncurrent loans | 48.5273% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2500% | 4,182 |
| Noncurrent loans to loans | 1.4364% | 4,148 |
| Net loans and leases to total assets | 82.3694% | 954 |
| Net loans and leases to deposits | 96.4845% | 1,875 |
| Net loans and leases to core deposits | 164.5738% | 428 |
| Total domestic deposits to total assets | 85.3706% | 3,026 |
| Equity capital to assets | 13.5657% | 1,508 |
| Core capital (leverage) ratio | 13.4638% | 1,335 |
| Tier 1 risk-based capital ratio | 16.3189% | 2,575 |
| Total risk-based capital ratio | 17.0144% | 2,704 |
| Memoranda: | ||
| Average total assets | $119,814,000 | 4,662 |
| Average earning assets | $116,262,500 | 4,473 |
| Average equity | $16,142,000 | 3,917 |
| Average total loans | $99,738,000 | 4,037 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5637% | 99 |
| Cost of funding earning assets | 3.6393% | 330 |
| Net interest margin | 4.9244% | 608 |
| Noninterest income to average assets | 0.0706% | 7,789 |
| Noninterest expense to average assets | 2.3095% | 6,668 |
| Loan and lease loss provision to assets | 0.2596% | 4,327 |
| Net operating income to assets | 2.1869% | 247 |
| Return on assets (ROA) | 2.1869% | 241 |
| Pretax return on assets | 2.2692% | 338 |
| Return on Equity (ROE) | 16.5838% | 689 |
| Retained earnings to average equity (ytd only) | 4.3451% | 2,416 |
| Net charge-offs to loans | 0.3352% | 3,157 |
| Credit loss provision to net charge-offs | 92.2388% | 5,627 |
| Earnings coverage of net charge-offs (x) | 8.9851% | 2,780 |
| Efficiency ratio | 47.7340% | 7,831 |
| Assets per employee ($millions) | 5.7116% | 1,316 |
| Cash dividends to net income (ytd only)* | 73.7995% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6237% | 7,626 |
| Loan loss allowance to noncurrent loans | 49.4071% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 4,177 |
| Noncurrent loans to loans | 1.2625% | 3,981 |
| Net loans and leases to total assets | 83.0187% | 1,043 |
| Net loans and leases to deposits | 96.7819% | 2,318 |
| Net loans and leases to core deposits | 156.9906% | 644 |
| Total domestic deposits to total assets | 85.7792% | 2,503 |
| Equity capital to assets | 13.3796% | 1,638 |
| Core capital (leverage) ratio | 13.4408% | 1,404 |
| Tier 1 risk-based capital ratio | 16.0610% | 2,644 |
| Total risk-based capital ratio | 16.6865% | 2,803 |
| Memoranda: | ||
| Average total assets | $119,028,200 | 4,550 |
| Average earning assets | $115,242,800 | 4,379 |
| Average equity | $15,696,000 | 3,991 |
| Average total loans | $99,934,000 | 3,951 |