Home > Phenix-Girard Bank > Performance and Condition Ratios
Phenix-Girard 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 | 4.4957% | 3,107 |
| Cost of funding earning assets | 1.9425% | 1,009 |
| Net interest margin | 2.5532% | 4,032 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.2516% | 2,979 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6196% | 3,387 |
| Return on assets (ROA) | 0.6393% | 3,320 |
| Pretax return on assets | 0.6946% | 3,450 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0582% | 1,275 |
| Credit loss provision to net charge-offs | 170.4545% | 1,350 |
| Earnings coverage of net charge-offs (x) | 42.4318% | 1,408 |
| Efficiency ratio | 76.2498% | 1,225 |
| Assets per employee ($millions) | 7.6309% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,000 |
| Loan loss allowance to noncurrent loans | 1,135.2381% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 2,520 |
| Noncurrent loans to loans | 0.1337% | 2,839 |
| Net loans and leases to total assets | 27.4000% | 4,334 |
| Net loans and leases to deposits | 28.1605% | 4,373 |
| Net loans and leases to core deposits | 28.2576% | 4,412 |
| Total domestic deposits to total assets | 97.3000% | 26 |
| Equity capital to assets | 0.2107% | 4,581 |
| Core capital (leverage) ratio | 18.6728% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $266,209,400 | 2,587 |
| Average earning assets | $252,309,400 | 2,560 |
| Average equity | $-4,419,200 | 4,588 |
| Average total loans | $75,661,200 | 3,473 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 2,967 |
| Cost of funding earning assets | 1.9245% | 821 |
| Net interest margin | 2.5463% | 4,092 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.2610% | 2,913 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6504% | 3,429 |
| Return on assets (ROA) | 0.6433% | 3,437 |
| Pretax return on assets | 0.6926% | 3,567 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0534% | 1,145 |
| Credit loss provision to net charge-offs | 176.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 1,337 |
| Efficiency ratio | 75.6637% | 1,204 |
| Assets per employee ($millions) | 5.0349% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,051 |
| Loan loss allowance to noncurrent loans | 1,116.0377% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 2,222 |
| Noncurrent loans to loans | 0.1364% | 2,875 |
| Net loans and leases to total assets | 29.8000% | 4,315 |
| Net loans and leases to deposits | 29.5511% | 4,384 |
| Net loans and leases to core deposits | 29.6872% | 4,387 |
| Total domestic deposits to total assets | 100.8600% | 25 |
| Equity capital to assets | -4.1000% | 4,634 |
| Core capital (leverage) ratio | 18.2680% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $262,175,750 | 2,616 |
| Average earning assets | $248,297,750 | 2,587 |
| Average equity | $-5,672,750 | 4,617 |
| Average total loans | $74,938,250 | 3,485 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 2,986 |
| Cost of funding earning assets | 1.8135% | 723 |
| Net interest margin | 2.5447% | 4,163 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.2139% | 3,032 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.6961% | 3,353 |
| Return on assets (ROA) | 0.7137% | 3,315 |
| Pretax return on assets | 0.7667% | 3,473 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0567% | 964 |
| Credit loss provision to net charge-offs | 142.8571% | 1,225 |
| Earnings coverage of net charge-offs (x) | 48.4286% | 1,301 |
| Efficiency ratio | 74.1813% | 1,328 |
| Assets per employee ($millions) | 5.1926% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,292 |
| Loan loss allowance to noncurrent loans | 512.7193% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 1,855 |
| Noncurrent loans to loans | 0.2858% | 2,123 |
| Net loans and leases to total assets | 30.2800% | 4,324 |
| Net loans and leases to deposits | 30.9037% | 4,389 |
| Net loans and leases to core deposits | 31.0170% | 4,394 |
| Total domestic deposits to total assets | 97.9800% | 34 |
| Equity capital to assets | -0.6444% | 4,657 |
| Core capital (leverage) ratio | 17.6195% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $263,974,000 | 2,612 |
| Average earning assets | $250,561,000 | 2,578 |
| Average equity | $-4,054,333 | 4,646 |
| Average total loans | $74,012,333 | 3,504 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 2,796 |
| Cost of funding earning assets | 1.5648% | 743 |
| Net interest margin | 2.7373% | 4,028 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.2111% | 3,072 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1369% | 2,106 |
| Return on assets (ROA) | 1.1694% | 1,991 |
| Pretax return on assets | 1.2476% | 2,307 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0787% | 680 |
| Credit loss provision to net charge-offs | 107.1429% | 1,076 |
| Earnings coverage of net charge-offs (x) | 58.7143% | 1,034 |
| Efficiency ratio | 64.1518% | 2,435 |
| Assets per employee ($millions) | 5.1337% | 3,546 |
| Cash dividends to net income (ytd only)* | 8.9974% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 1,140 |
| Loan loss allowance to noncurrent loans | 305.5263% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2866% | 1,727 |
| Noncurrent loans to loans | 0.5052% | 1,453 |
| Net loans and leases to total assets | 27.7400% | 4,408 |
| Net loans and leases to deposits | 28.3744% | 4,475 |
| Net loans and leases to core deposits | 28.5242% | 4,476 |
| Total domestic deposits to total assets | 97.7800% | 21 |
| Equity capital to assets | -0.7848% | 4,685 |
| Core capital (leverage) ratio | 16.9279% | 400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $266,111,000 | 2,637 |
| Average earning assets | $252,807,000 | 2,602 |
| Average equity | $-5,280,000 | 4,670 |
| Average total loans | $71,128,000 | 3,586 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4544% | 3,198 |
| Cost of funding earning assets | 0.3786% | 2,272 |
| Net interest margin | 3.0758% | 3,238 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.3007% | 2,734 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2693% | 1,531 |
| Return on assets (ROA) | 1.2381% | 1,587 |
| Pretax return on assets | 1.3335% | 1,985 |
| Return on Equity (ROE) | 40.9800% | 54 |
| Retained earnings to average equity (ytd only) | 22.8296% | 58 |
| Net charge-offs to loans | 0.0633% | 1,016 |
| Credit loss provision to net charge-offs | 204.4444% | 1,105 |
| Earnings coverage of net charge-offs (x) | 85.1556% | 1,057 |
| Efficiency ratio | 62.1568% | 2,736 |
| Assets per employee ($millions) | 5.6441% | 3,091 |
| Cash dividends to net income (ytd only)* | 44.2870% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7305% | 766 |
| Loan loss allowance to noncurrent loans | 465.8635% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2563% | 1,878 |
| Noncurrent loans to loans | 0.3715% | 1,810 |
| Net loans and leases to total assets | 24.8300% | 4,496 |
| Net loans and leases to deposits | 24.6824% | 4,539 |
| Net loans and leases to core deposits | 24.7861% | 4,538 |
| Total domestic deposits to total assets | 100.6000% | 9 |
| Equity capital to assets | -3.1911% | 4,723 |
| Core capital (leverage) ratio | 18.1176% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $273,574,400 | 2,585 |
| Average earning assets | $259,669,400 | 2,553 |
| Average equity | $8,265,600 | 4,071 |
| Average total loans | $71,073,200 | 3,565 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3007% | 3,172 |
| Cost of funding earning assets | 0.2216% | 3,021 |
| Net interest margin | 3.0791% | 2,993 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.2859% | 2,669 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.1446% | 1,914 |
| Return on assets (ROA) | 1.0873% | 2,118 |
| Pretax return on assets | 1.2005% | 2,363 |
| Return on Equity (ROE) | 24.0800% | 217 |
| Retained earnings to average equity (ytd only) | 24.0777% | 53 |
| Net charge-offs to loans | 0.0536% | 949 |
| Credit loss provision to net charge-offs | 241.3793% | 910 |
| Earnings coverage of net charge-offs (x) | 92.4828% | 983 |
| Efficiency ratio | 63.7959% | 2,578 |
| Assets per employee ($millions) | 5.3809% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 935 |
| Loan loss allowance to noncurrent loans | 296.9072% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 1,621 |
| Noncurrent loans to loans | 0.5601% | 1,423 |
| Net loans and leases to total assets | 25.8400% | 4,513 |
| Net loans and leases to deposits | 25.8798% | 4,563 |
| Net loans and leases to core deposits | 25.9580% | 4,560 |
| Total domestic deposits to total assets | 99.8400% | 21 |
| Equity capital to assets | -2.8696% | 4,758 |
| Core capital (leverage) ratio | 16.1934% | 427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $275,650,000 | 2,593 |
| Average earning assets | $261,110,000 | 2,564 |
| Average equity | $12,448,250 | 3,659 |
| Average total loans | $72,083,750 | 3,552 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0885% | 3,333 |
| Cost of funding earning assets | 0.1509% | 3,561 |
| Net interest margin | 2.9376% | 3,066 |
| Noninterest income to average assets | 0.6973% | 1,348 |
| Noninterest expense to average assets | 2.2385% | 2,737 |
| Loan and lease loss provision to assets | 0.0336% | 1,978 |
| Net operating income to assets | 1.0955% | 1,786 |
| Return on assets (ROA) | 1.0649% | 1,891 |
| Pretax return on assets | 1.1765% | 2,146 |
| Return on Equity (ROE) | 15.5756% | 782 |
| Retained earnings to average equity (ytd only) | 15.5756% | 220 |
| Net charge-offs to loans | 0.0520% | 876 |
| Credit loss provision to net charge-offs | 247.3684% | 874 |
| Earnings coverage of net charge-offs (x) | 91.5263% | 859 |
| Efficiency ratio | 64.2842% | 2,742 |
| Assets per employee ($millions) | 5.2596% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 1,100 |
| Loan loss allowance to noncurrent loans | 348.6239% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 1,739 |
| Noncurrent loans to loans | 0.4652% | 1,714 |
| Net loans and leases to total assets | 25.7802% | 4,566 |
| Net loans and leases to deposits | 26.7679% | 4,604 |
| Net loans and leases to core deposits | 26.8503% | 4,614 |
| Total domestic deposits to total assets | 96.3100% | 70 |
| Equity capital to assets | 0.6487% | 4,754 |
| Core capital (leverage) ratio | 14.8618% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,645,667 | 2,587 |
| Average earning assets | $265,112,333 | 2,572 |
| Average equity | $19,119,667 | 3,140 |
| Average total loans | $73,019,333 | 3,571 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9195% | 3,482 |
| Cost of funding earning assets | 0.1224% | 3,871 |
| Net interest margin | 2.7971% | 3,151 |
| Noninterest income to average assets | 0.7121% | 1,276 |
| Noninterest expense to average assets | 2.2499% | 2,684 |
| Loan and lease loss provision to assets | 0.0350% | 1,733 |
| Net operating income to assets | 0.9772% | 1,978 |
| Return on assets (ROA) | 1.0037% | 1,861 |
| Pretax return on assets | 1.1144% | 2,095 |
| Return on Equity (ROE) | 10.2986% | 1,858 |
| Retained earnings to average equity (ytd only) | 10.2986% | 951 |
| Net charge-offs to loans | 0.0753% | 618 |
| Credit loss provision to net charge-offs | 178.5714% | 810 |
| Earnings coverage of net charge-offs (x) | 57.0714% | 871 |
| Efficiency ratio | 66.7637% | 2,667 |
| Assets per employee ($millions) | 5.0080% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 1,533 |
| Loan loss allowance to noncurrent loans | 425.7576% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 1,952 |
| Noncurrent loans to loans | 0.3540% | 2,212 |
| Net loans and leases to total assets | 25.7293% | 4,576 |
| Net loans and leases to deposits | 28.4603% | 4,586 |
| Net loans and leases to core deposits | 28.5480% | 4,605 |
| Total domestic deposits to total assets | 90.4042% | 1,333 |
| Equity capital to assets | 6.8504% | 4,281 |
| Core capital (leverage) ratio | 12.8745% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,348,000 | 2,576 |
| Average earning assets | $271,140,000 | 2,549 |
| Average equity | $27,809,500 | 2,615 |
| Average total loans | $74,382,500 | 3,551 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8909% | 4,068 |
| Cost of funding earning assets | 0.1107% | 4,301 |
| Net interest margin | 2.7802% | 3,710 |
| Noninterest income to average assets | 0.8968% | 1,208 |
| Noninterest expense to average assets | 2.3517% | 2,651 |
| Loan and lease loss provision to assets | 0.0382% | 2,282 |
| Net operating income to assets | 1.0528% | 2,476 |
| Return on assets (ROA) | 1.6787% | 693 |
| Pretax return on assets | 1.8078% | 900 |
| Return on Equity (ROE) | 12.2372% | 1,735 |
| Retained earnings to average equity (ytd only) | 8.3391% | 1,411 |
| Net charge-offs to loans | 0.0537% | 1,259 |
| Credit loss provision to net charge-offs | 243.9024% | 1,185 |
| Earnings coverage of net charge-offs (x) | 74.9024% | 1,034 |
| Efficiency ratio | 66.7208% | 2,160 |
| Assets per employee ($millions) | 4.6006% | 4,037 |
| Cash dividends to net income (ytd only)* | 31.8544% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,560 |
| Loan loss allowance to noncurrent loans | 308.0332% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 1,855 |
| Noncurrent loans to loans | 0.4866% | 1,909 |
| Net loans and leases to total assets | 25.6217% | 4,634 |
| Net loans and leases to deposits | 30.1475% | 4,620 |
| Net loans and leases to core deposits | 30.2463% | 4,637 |
| Total domestic deposits to total assets | 84.9877% | 3,274 |
| Equity capital to assets | 12.6434% | 1,018 |
| Core capital (leverage) ratio | 12.9682% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,810,000 | 2,653 |
| Average earning assets | $247,467,600 | 2,631 |
| Average equity | $35,915,000 | 2,246 |
| Average total loans | $76,297,800 | 3,535 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9182% | 4,136 |
| Cost of funding earning assets | 0.1077% | 4,440 |
| Net interest margin | 2.8105% | 3,757 |
| Noninterest income to average assets | 0.9413% | 1,170 |
| Noninterest expense to average assets | 2.3196% | 2,694 |
| Loan and lease loss provision to assets | 0.0363% | 2,266 |
| Net operating income to assets | 1.1682% | 2,283 |
| Return on assets (ROA) | 2.0128% | 472 |
| Pretax return on assets | 2.1352% | 630 |
| Return on Equity (ROE) | 14.3595% | 1,297 |
| Retained earnings to average equity (ytd only) | 9.1568% | 1,635 |
| Net charge-offs to loans | 0.0521% | 1,136 |
| Credit loss provision to net charge-offs | 233.3333% | 1,135 |
| Earnings coverage of net charge-offs (x) | 81.4667% | 977 |
| Efficiency ratio | 64.5643% | 2,307 |
| Assets per employee ($millions) | 5.6363% | 3,057 |
| Cash dividends to net income (ytd only)* | 36.2319% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,843 |
| Loan loss allowance to noncurrent loans | 298.6339% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 1,957 |
| Noncurrent loans to loans | 0.4826% | 2,107 |
| Net loans and leases to total assets | 27.0634% | 4,677 |
| Net loans and leases to deposits | 32.1344% | 4,669 |
| Net loans and leases to core deposits | 32.2442% | 4,687 |
| Total domestic deposits to total assets | 84.2194% | 3,398 |
| Equity capital to assets | 13.1352% | 945 |
| Core capital (leverage) ratio | 13.0567% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,952,750 | 2,709 |
| Average earning assets | $241,467,500 | 2,689 |
| Average equity | $35,877,750 | 2,281 |
| Average total loans | $76,823,500 | 3,585 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9482% | 4,141 |
| Cost of funding earning assets | 0.1056% | 4,536 |
| Net interest margin | 2.8426% | 3,694 |
| Noninterest income to average assets | 0.9911% | 1,087 |
| Noninterest expense to average assets | 2.4542% | 2,294 |
| Loan and lease loss provision to assets | 0.0321% | 2,341 |
| Net operating income to assets | 1.1200% | 2,465 |
| Return on assets (ROA) | 2.0697% | 452 |
| Pretax return on assets | 2.1949% | 579 |
| Return on Equity (ROE) | 14.4301% | 1,300 |
| Retained earnings to average equity (ytd only) | 14.4301% | 494 |
| Net charge-offs to loans | 0.0337% | 1,313 |
| Credit loss provision to net charge-offs | 307.6923% | 872 |
| Earnings coverage of net charge-offs (x) | 116.6154% | 681 |
| Efficiency ratio | 66.8561% | 2,036 |
| Assets per employee ($millions) | 5.8315% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,952 |
| Loan loss allowance to noncurrent loans | 263.1707% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 1,759 |
| Noncurrent loans to loans | 0.5343% | 2,069 |
| Net loans and leases to total assets | 28.2017% | 4,698 |
| Net loans and leases to deposits | 33.6532% | 4,689 |
| Net loans and leases to core deposits | 33.7722% | 4,713 |
| Total domestic deposits to total assets | 83.8009% | 3,492 |
| Equity capital to assets | 13.6242% | 804 |
| Core capital (leverage) ratio | 14.2079% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,210,000 | 2,744 |
| Average earning assets | $234,926,333 | 2,724 |
| Average equity | $35,744,667 | 2,278 |
| Average total loans | $77,152,333 | 3,599 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9926% | 4,104 |
| Cost of funding earning assets | 0.1064% | 4,620 |
| Net interest margin | 2.8863% | 3,560 |
| Noninterest income to average assets | 0.9479% | 1,221 |
| Noninterest expense to average assets | 2.4114% | 2,462 |
| Loan and lease loss provision to assets | 0.0167% | 2,556 |
| Net operating income to assets | 1.1908% | 2,182 |
| Return on assets (ROA) | 3.2158% | 141 |
| Pretax return on assets | 3.3460% | 162 |
| Return on Equity (ROE) | 21.8088% | 406 |
| Retained earnings to average equity (ytd only) | 21.8088% | 215 |
| Net charge-offs to loans | 0.0207% | 1,324 |
| Credit loss provision to net charge-offs | 250.0000% | 816 |
| Earnings coverage of net charge-offs (x) | 187.7500% | 418 |
| Efficiency ratio | 65.8015% | 2,259 |
| Assets per employee ($millions) | 5.8329% | 2,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 2,105 |
| Loan loss allowance to noncurrent loans | 229.0043% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 1,316 |
| Noncurrent loans to loans | 0.5981% | 2,074 |
| Net loans and leases to total assets | 31.1016% | 4,664 |
| Net loans and leases to deposits | 37.1249% | 4,657 |
| Net loans and leases to core deposits | 37.2686% | 4,682 |
| Total domestic deposits to total assets | 83.7755% | 3,503 |
| Equity capital to assets | 13.6856% | 744 |
| Core capital (leverage) ratio | 14.4098% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,690,000 | 2,801 |
| Average earning assets | $225,620,000 | 2,775 |
| Average equity | $35,343,500 | 2,289 |
| Average total loans | $77,363,500 | 3,614 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 3,888 |
| Cost of funding earning assets | 0.1888% | 4,620 |
| Net interest margin | 3.3776% | 2,845 |
| Noninterest income to average assets | 0.7882% | 1,565 |
| Noninterest expense to average assets | 2.4367% | 3,028 |
| Loan and lease loss provision to assets | 0.0608% | 3,610 |
| Net operating income to assets | 1.3083% | 1,227 |
| Return on assets (ROA) | 1.7758% | 442 |
| Pretax return on assets | 1.9088% | 543 |
| Return on Equity (ROE) | 11.1303% | 1,586 |
| Retained earnings to average equity (ytd only) | 5.5857% | 2,003 |
| Net charge-offs to loans | 0.0433% | 2,191 |
| Credit loss provision to net charge-offs | 406.2500% | 1,417 |
| Earnings coverage of net charge-offs (x) | 97.9375% | 796 |
| Efficiency ratio | 62.4221% | 3,053 |
| Assets per employee ($millions) | 6.5111% | 1,913 |
| Cash dividends to net income (ytd only)* | 49.8155% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 2,157 |
| Loan loss allowance to noncurrent loans | 158.5843% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8285% | 1,228 |
| Noncurrent loans to loans | 0.8570% | 1,650 |
| Net loans and leases to total assets | 32.6038% | 4,694 |
| Net loans and leases to deposits | 39.9119% | 4,662 |
| Net loans and leases to core deposits | 40.0775% | 4,692 |
| Total domestic deposits to total assets | 81.6893% | 3,731 |
| Equity capital to assets | 15.8533% | 445 |
| Core capital (leverage) ratio | 14.4333% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,646,400 | 2,838 |
| Average earning assets | $197,063,200 | 2,855 |
| Average equity | $34,087,000 | 2,286 |
| Average total loans | $73,962,400 | 3,660 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 3,802 |
| Cost of funding earning assets | 0.2045% | 4,657 |
| Net interest margin | 3.4947% | 2,607 |
| Noninterest income to average assets | 0.9869% | 1,041 |
| Noninterest expense to average assets | 2.5092% | 2,812 |
| Loan and lease loss provision to assets | 0.0705% | 3,445 |
| Net operating income to assets | 1.5073% | 889 |
| Return on assets (ROA) | 1.7749% | 534 |
| Pretax return on assets | 1.8939% | 643 |
| Return on Equity (ROE) | 11.1046% | 1,645 |
| Retained earnings to average equity (ytd only) | 8.5835% | 1,114 |
| Net charge-offs to loans | 0.0438% | 2,001 |
| Credit loss provision to net charge-offs | 458.3333% | 1,349 |
| Earnings coverage of net charge-offs (x) | 109.4167% | 743 |
| Efficiency ratio | 59.9023% | 3,402 |
| Assets per employee ($millions) | 5.9779% | 2,286 |
| Cash dividends to net income (ytd only)* | 22.7027% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 1,789 |
| Loan loss allowance to noncurrent loans | 315.4545% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.8947% | 1,287 |
| Noncurrent loans to loans | 0.4399% | 2,731 |
| Net loans and leases to total assets | 33.4468% | 4,756 |
| Net loans and leases to deposits | 41.8300% | 4,702 |
| Net loans and leases to core deposits | 42.0179% | 4,744 |
| Total domestic deposits to total assets | 79.9589% | 3,875 |
| Equity capital to assets | 16.9798% | 375 |
| Core capital (leverage) ratio | 14.3710% | 645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,458,250 | 2,857 |
| Average earning assets | $190,986,500 | 2,884 |
| Average equity | $33,318,750 | 2,314 |
| Average total loans | $73,084,000 | 3,687 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 3,951 |
| Cost of funding earning assets | 0.2498% | 4,621 |
| Net interest margin | 3.5191% | 2,725 |
| Noninterest income to average assets | 1.0254% | 937 |
| Noninterest expense to average assets | 2.5649% | 2,779 |
| Loan and lease loss provision to assets | 0.0783% | 3,315 |
| Net operating income to assets | 1.5138% | 903 |
| Return on assets (ROA) | 1.9372% | 423 |
| Pretax return on assets | 2.0429% | 499 |
| Return on Equity (ROE) | 12.3988% | 1,240 |
| Retained earnings to average equity (ytd only) | 8.4497% | 1,175 |
| Net charge-offs to loans | 0.0497% | 1,772 |
| Credit loss provision to net charge-offs | 444.4444% | 1,314 |
| Earnings coverage of net charge-offs (x) | 95.0556% | 718 |
| Efficiency ratio | 60.4850% | 3,343 |
| Assets per employee ($millions) | 4.7847% | 3,428 |
| Cash dividends to net income (ytd only)* | 31.8504% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 1,626 |
| Loan loss allowance to noncurrent loans | 484.2857% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9978% | 1,206 |
| Noncurrent loans to loans | 0.2870% | 3,348 |
| Net loans and leases to total assets | 32.7849% | 4,810 |
| Net loans and leases to deposits | 40.5891% | 4,780 |
| Net loans and leases to core deposits | 40.7702% | 4,817 |
| Total domestic deposits to total assets | 80.7728% | 3,666 |
| Equity capital to assets | 16.1807% | 450 |
| Core capital (leverage) ratio | 15.4790% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,217,333 | 2,871 |
| Average earning assets | $186,582,333 | 2,902 |
| Average equity | $31,906,333 | 2,364 |
| Average total loans | $72,439,000 | 3,709 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 4,035 |
| Cost of funding earning assets | 0.3995% | 4,361 |
| Net interest margin | 3.4996% | 2,988 |
| Noninterest income to average assets | 0.9293% | 998 |
| Noninterest expense to average assets | 2.7349% | 2,617 |
| Loan and lease loss provision to assets | 0.0815% | 2,680 |
| Net operating income to assets | 1.2469% | 1,384 |
| Return on assets (ROA) | 1.7057% | 561 |
| Pretax return on assets | 1.7913% | 715 |
| Return on Equity (ROE) | 11.1403% | 1,377 |
| Retained earnings to average equity (ytd only) | 2.7551% | 3,177 |
| Net charge-offs to loans | 0.0278% | 1,823 |
| Credit loss provision to net charge-offs | 800.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 136.4000% | 462 |
| Efficiency ratio | 66.3043% | 2,911 |
| Assets per employee ($millions) | 4.5621% | 3,179 |
| Cash dividends to net income (ytd only)* | 75.2688% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 1,850 |
| Loan loss allowance to noncurrent loans | 490.0990% | 980 |
| Noncurrent assets plus other real estate owned to assets | 1.1154% | 1,160 |
| Noncurrent loans to loans | 0.2779% | 3,497 |
| Net loans and leases to total assets | 36.5457% | 4,760 |
| Net loans and leases to deposits | 44.5256% | 4,753 |
| Net loans and leases to core deposits | 44.7449% | 4,800 |
| Total domestic deposits to total assets | 82.0779% | 3,397 |
| Equity capital to assets | 14.6541% | 847 |
| Core capital (leverage) ratio | 15.4850% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,278,500 | 2,901 |
| Average earning assets | $179,219,000 | 2,926 |
| Average equity | $30,053,000 | 2,450 |
| Average total loans | $72,071,000 | 3,726 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 4,427 |
| Cost of funding earning assets | 0.6429% | 3,448 |
| Net interest margin | 3.2611% | 4,062 |
| Noninterest income to average assets | 0.8553% | 1,287 |
| Noninterest expense to average assets | 2.4607% | 3,549 |
| Loan and lease loss provision to assets | 0.0627% | 2,782 |
| Net operating income to assets | 1.2633% | 1,827 |
| Return on assets (ROA) | 1.3362% | 1,635 |
| Pretax return on assets | 1.4308% | 2,040 |
| Return on Equity (ROE) | 8.5791% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.1253% | 2,354 |
| Net charge-offs to loans | 0.0981% | 1,745 |
| Credit loss provision to net charge-offs | 164.3836% | 1,579 |
| Earnings coverage of net charge-offs (x) | 37.0822% | 1,383 |
| Efficiency ratio | 63.4880% | 3,147 |
| Assets per employee ($millions) | 4.9097% | 2,700 |
| Cash dividends to net income (ytd only)* | 40.2582% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 1,762 |
| Loan loss allowance to noncurrent loans | 502.6316% | 987 |
| Noncurrent assets plus other real estate owned to assets | 1.1080% | 1,098 |
| Noncurrent loans to loans | 0.2659% | 3,493 |
| Net loans and leases to total assets | 35.9012% | 4,843 |
| Net loans and leases to deposits | 44.1313% | 4,826 |
| Net loans and leases to core deposits | 44.5225% | 4,862 |
| Total domestic deposits to total assets | 81.3510% | 3,695 |
| Equity capital to assets | 15.9680% | 608 |
| Core capital (leverage) ratio | 15.9936% | 523 |
| Tier 1 risk-based capital ratio | 28.4029% | 540 |
| Total risk-based capital ratio | 29.5599% | 535 |
| Memoranda: | ||
| Average total assets | $191,285,000 | 2,910 |
| Average earning assets | $177,177,600 | 2,914 |
| Average equity | $29,793,200 | 2,405 |
| Average total loans | $74,385,400 | 3,693 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9132% | 4,517 |
| Cost of funding earning assets | 0.7068% | 3,184 |
| Net interest margin | 3.2064% | 4,285 |
| Noninterest income to average assets | 0.7578% | 1,566 |
| Noninterest expense to average assets | 2.5395% | 3,325 |
| Loan and lease loss provision to assets | 0.0632% | 2,629 |
| Net operating income to assets | 1.0589% | 2,742 |
| Return on assets (ROA) | 1.1578% | 2,427 |
| Pretax return on assets | 1.2336% | 2,875 |
| Return on Equity (ROE) | 7.4824% | 3,513 |
| Retained earnings to average equity (ytd only) | 2.8161% | 3,965 |
| Net charge-offs to loans | 0.1047% | 1,424 |
| Credit loss provision to net charge-offs | 152.5424% | 1,608 |
| Earnings coverage of net charge-offs (x) | 28.7813% | 1,672 |
| Efficiency ratio | 68.0647% | 2,411 |
| Assets per employee ($millions) | 4.7640% | 2,835 |
| Cash dividends to net income (ytd only)* | 62.3637% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,183 |
| Loan loss allowance to noncurrent loans | 491.6230% | 997 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 1,101 |
| Noncurrent loans to loans | 0.2559% | 3,626 |
| Net loans and leases to total assets | 38.6721% | 4,859 |
| Net loans and leases to deposits | 48.3658% | 4,811 |
| Net loans and leases to core deposits | 49.1267% | 4,858 |
| Total domestic deposits to total assets | 79.9576% | 4,000 |
| Equity capital to assets | 16.8088% | 505 |
| Core capital (leverage) ratio | 15.3874% | 663 |
| Tier 1 risk-based capital ratio | 28.3079% | 553 |
| Total risk-based capital ratio | 29.4826% | 540 |
| Memoranda: | ||
| Average total assets | $190,009,750 | 2,949 |
| Average earning assets | $176,187,250 | 2,947 |
| Average equity | $29,401,750 | 2,440 |
| Average total loans | $75,116,750 | 3,721 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 4,664 |
| Cost of funding earning assets | 0.7341% | 2,976 |
| Net interest margin | 3.1006% | 4,532 |
| Noninterest income to average assets | 0.7186% | 1,640 |
| Noninterest expense to average assets | 2.5560% | 3,315 |
| Loan and lease loss provision to assets | 0.0632% | 2,556 |
| Net operating income to assets | 0.9181% | 3,214 |
| Return on assets (ROA) | 1.0641% | 2,728 |
| Pretax return on assets | 1.1400% | 3,121 |
| Return on Equity (ROE) | 7.0814% | 3,647 |
| Retained earnings to average equity (ytd only) | 4.6555% | 2,944 |
| Net charge-offs to loans | 0.0452% | 2,006 |
| Credit loss provision to net charge-offs | 352.9412% | 800 |
| Earnings coverage of net charge-offs (x) | 58.4118% | 996 |
| Efficiency ratio | 70.9564% | 2,076 |
| Assets per employee ($millions) | 4.8896% | 2,614 |
| Cash dividends to net income (ytd only)* | 34.2574% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,232 |
| Loan loss allowance to noncurrent loans | 182.5336% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 968 |
| Noncurrent loans to loans | 0.6864% | 2,258 |
| Net loans and leases to total assets | 38.3225% | 4,899 |
| Net loans and leases to deposits | 48.1279% | 4,843 |
| Net loans and leases to core deposits | 48.9754% | 4,886 |
| Total domestic deposits to total assets | 79.6264% | 4,111 |
| Equity capital to assets | 15.6645% | 678 |
| Core capital (leverage) ratio | 15.7245% | 584 |
| Tier 1 risk-based capital ratio | 27.1023% | 612 |
| Total risk-based capital ratio | 28.2660% | 604 |
| Memoranda: | ||
| Average total assets | $189,826,000 | 2,959 |
| Average earning assets | $176,544,000 | 2,953 |
| Average equity | $28,525,330 | 2,482 |
| Average total loans | $75,278,000 | 3,741 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 4,774 |
| Cost of funding earning assets | 0.7229% | 2,927 |
| Net interest margin | 3.0320% | 4,705 |
| Noninterest income to average assets | 0.5178% | 2,448 |
| Noninterest expense to average assets | 2.3236% | 3,963 |
| Loan and lease loss provision to assets | 0.0642% | 2,380 |
| Net operating income to assets | 0.8708% | 3,348 |
| Return on assets (ROA) | 0.8708% | 3,398 |
| Pretax return on assets | 0.9479% | 3,617 |
| Return on Equity (ROE) | 5.9266% | 4,043 |
| Retained earnings to average equity (ytd only) | 0.8883% | 4,341 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6600% | 2,399 |
| Assets per employee ($millions) | 4.7344% | 2,870 |
| Cash dividends to net income (ytd only)* | 85.0123% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 2,382 |
| Loan loss allowance to noncurrent loans | 199.3617% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 1.3228% | 977 |
| Noncurrent loans to loans | 0.6218% | 2,462 |
| Net loans and leases to total assets | 39.4162% | 4,908 |
| Net loans and leases to deposits | 49.5328% | 4,832 |
| Net loans and leases to core deposits | 50.1188% | 4,883 |
| Total domestic deposits to total assets | 79.5759% | 4,242 |
| Equity capital to assets | 15.0380% | 747 |
| Core capital (leverage) ratio | 16.0939% | 520 |
| Tier 1 risk-based capital ratio | 28.0305% | 556 |
| Total risk-based capital ratio | 29.2472% | 544 |
| Memoranda: | ||
| Average total assets | $186,948,000 | 3,015 |
| Average earning assets | $173,745,000 | 3,016 |
| Average equity | $27,469,500 | 2,547 |
| Average total loans | $74,965,500 | 3,782 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 4,640 |
| Cost of funding earning assets | 0.5034% | 3,322 |
| Net interest margin | 3.2164% | 4,452 |
| Noninterest income to average assets | 1.1000% | 767 |
| Noninterest expense to average assets | 2.8816% | 2,415 |
| Loan and lease loss provision to assets | 0.0365% | 3,467 |
| Net operating income to assets | 1.0818% | 2,670 |
| Return on assets (ROA) | 1.0818% | 2,667 |
| Pretax return on assets | 1.1604% | 3,057 |
| Return on Equity (ROE) | 7.3730% | 3,702 |
| Retained earnings to average equity (ytd only) | 3.1077% | 3,839 |
| Net charge-offs to loans | 0.1141% | 1,609 |
| Credit loss provision to net charge-offs | 76.1905% | 2,914 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 1,789 |
| Efficiency ratio | 70.6540% | 2,085 |
| Assets per employee ($millions) | 4.6131% | 3,001 |
| Cash dividends to net income (ytd only)* | 57.8504% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,461 |
| Loan loss allowance to noncurrent loans | 193.6034% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.4670% | 804 |
| Noncurrent loans to loans | 0.6308% | 2,402 |
| Net loans and leases to total assets | 39.8012% | 4,952 |
| Net loans and leases to deposits | 49.6361% | 4,893 |
| Net loans and leases to core deposits | 50.2336% | 4,937 |
| Total domestic deposits to total assets | 80.1861% | 4,065 |
| Equity capital to assets | 14.3403% | 879 |
| Core capital (leverage) ratio | 17.2127% | 392 |
| Tier 1 risk-based capital ratio | 28.8024% | 520 |
| Total risk-based capital ratio | 30.0433% | 514 |
| Memoranda: | ||
| Average total assets | $175,456,400 | 3,107 |
| Average earning assets | $162,480,400 | 3,114 |
| Average equity | $25,742,400 | 2,587 |
| Average total loans | $73,651,400 | 3,793 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6960% | 4,660 |
| Cost of funding earning assets | 0.4923% | 3,250 |
| Net interest margin | 3.2037% | 4,502 |
| Noninterest income to average assets | 1.1063% | 773 |
| Noninterest expense to average assets | 2.9008% | 2,301 |
| Loan and lease loss provision to assets | 0.0300% | 3,419 |
| Net operating income to assets | 1.0531% | 2,858 |
| Return on assets (ROA) | 1.0531% | 2,868 |
| Pretax return on assets | 1.1363% | 3,257 |
| Return on Equity (ROE) | 7.1352% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.5847% | 3,455 |
| Net charge-offs to loans | 0.1379% | 1,177 |
| Credit loss provision to net charge-offs | 51.3158% | 2,819 |
| Earnings coverage of net charge-offs (x) | 19.9344% | 1,971 |
| Efficiency ratio | 71.3231% | 1,992 |
| Assets per employee ($millions) | 4.4015% | 3,269 |
| Cash dividends to net income (ytd only)* | 35.7455% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,630 |
| Loan loss allowance to noncurrent loans | 189.9787% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5770% | 801 |
| Noncurrent loans to loans | 0.6311% | 2,505 |
| Net loans and leases to total assets | 42.7708% | 4,923 |
| Net loans and leases to deposits | 53.9393% | 4,823 |
| Net loans and leases to core deposits | 57.1526% | 4,818 |
| Total domestic deposits to total assets | 79.2944% | 4,258 |
| Equity capital to assets | 14.5072% | 824 |
| Core capital (leverage) ratio | 17.8248% | 342 |
| Tier 1 risk-based capital ratio | 28.6733% | 534 |
| Total risk-based capital ratio | 29.8908% | 529 |
| Memoranda: | ||
| Average total assets | $173,190,000 | 3,161 |
| Average earning assets | $160,059,000 | 3,165 |
| Average equity | $25,562,750 | 2,611 |
| Average total loans | $73,476,750 | 3,839 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6435% | 4,695 |
| Cost of funding earning assets | 0.4684% | 3,236 |
| Net interest margin | 3.1752% | 4,560 |
| Noninterest income to average assets | 1.0973% | 802 |
| Noninterest expense to average assets | 2.9062% | 2,343 |
| Loan and lease loss provision to assets | 0.0299% | 3,308 |
| Net operating income to assets | 1.0132% | 2,960 |
| Return on assets (ROA) | 1.0132% | 2,969 |
| Pretax return on assets | 1.0961% | 3,331 |
| Return on Equity (ROE) | 6.8263% | 3,952 |
| Retained earnings to average equity (ytd only) | 3.8941% | 3,656 |
| Net charge-offs to loans | -0.0055% | 4,125 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0731% | 1,999 |
| Assets per employee ($millions) | 4.2001% | 3,585 |
| Cash dividends to net income (ytd only)* | 42.9545% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,178 |
| Loan loss allowance to noncurrent loans | 154.6926% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 1.8507% | 611 |
| Noncurrent loans to loans | 0.8391% | 2,046 |
| Net loans and leases to total assets | 42.2162% | 4,977 |
| Net loans and leases to deposits | 51.2315% | 4,937 |
| Net loans and leases to core deposits | 54.2013% | 4,928 |
| Total domestic deposits to total assets | 82.4028% | 3,590 |
| Equity capital to assets | 14.7976% | 729 |
| Core capital (leverage) ratio | 17.7238% | 330 |
| Tier 1 risk-based capital ratio | 28.1071% | 552 |
| Total risk-based capital ratio | 29.4167% | 545 |
| Memoranda: | ||
| Average total assets | $173,700,330 | 3,172 |
| Average earning assets | $160,558,000 | 3,181 |
| Average equity | $25,782,670 | 2,608 |
| Average total loans | $73,198,670 | 3,865 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5900% | 4,725 |
| Cost of funding earning assets | 0.4817% | 2,944 |
| Net interest margin | 3.1084% | 4,691 |
| Noninterest income to average assets | 1.0433% | 837 |
| Noninterest expense to average assets | 2.8685% | 2,471 |
| Loan and lease loss provision to assets | 0.0459% | 2,848 |
| Net operating income to assets | 0.9172% | 3,221 |
| Return on assets (ROA) | 0.9172% | 3,232 |
| Pretax return on assets | 0.9997% | 3,532 |
| Return on Equity (ROE) | 6.1697% | 4,099 |
| Retained earnings to average equity (ytd only) | 6.1697% | 2,636 |
| Net charge-offs to loans | -0.0219% | 4,605 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2865% | 2,002 |
| Assets per employee ($millions) | 4.0692% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,319 |
| Loan loss allowance to noncurrent loans | 268.1690% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.7520% | 710 |
| Noncurrent loans to loans | 0.4787% | 3,079 |
| Net loans and leases to total assets | 43.8785% | 4,905 |
| Net loans and leases to deposits | 53.6025% | 4,819 |
| Net loans and leases to core deposits | 56.2288% | 4,834 |
| Total domestic deposits to total assets | 81.8590% | 4,006 |
| Equity capital to assets | 15.2903% | 608 |
| Core capital (leverage) ratio | 16.9367% | 391 |
| Tier 1 risk-based capital ratio | 29.3394% | 498 |
| Total risk-based capital ratio | 30.6987% | 488 |
| Memoranda: | ||
| Average total assets | $174,448,500 | 3,199 |
| Average earning assets | $161,112,500 | 3,208 |
| Average equity | $25,933,000 | 2,621 |
| Average total loans | $72,971,000 | 3,909 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5285% | 4,740 |
| Cost of funding earning assets | 0.4207% | 3,047 |
| Net interest margin | 3.1078% | 4,677 |
| Noninterest income to average assets | 1.2967% | 629 |
| Noninterest expense to average assets | 2.9276% | 2,366 |
| Loan and lease loss provision to assets | 0.0492% | 3,238 |
| Net operating income to assets | 1.0978% | 1,860 |
| Return on assets (ROA) | 1.1319% | 1,778 |
| Pretax return on assets | 1.2143% | 2,712 |
| Return on Equity (ROE) | 7.6282% | 2,988 |
| Retained earnings to average equity (ytd only) | 4.2692% | 2,598 |
| Net charge-offs to loans | 0.0913% | 2,173 |
| Credit loss provision to net charge-offs | 136.5079% | 1,937 |
| Earnings coverage of net charge-offs (x) | 34.0317% | 1,412 |
| Efficiency ratio | 70.4683% | 2,476 |
| Assets per employee ($millions) | 4.5515% | 3,108 |
| Cash dividends to net income (ytd only)* | 44.0344% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 2,253 |
| Loan loss allowance to noncurrent loans | 253.5519% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 1.6242% | 811 |
| Noncurrent loans to loans | 0.5099% | 2,987 |
| Net loans and leases to total assets | 38.9193% | 5,177 |
| Net loans and leases to deposits | 49.5040% | 5,078 |
| Net loans and leases to core deposits | 51.7042% | 5,075 |
| Total domestic deposits to total assets | 78.6185% | 4,622 |
| Equity capital to assets | 14.4766% | 786 |
| Core capital (leverage) ratio | 16.4816% | 419 |
| Tier 1 risk-based capital ratio | 28.3079% | 526 |
| Total risk-based capital ratio | 29.2219% | 534 |
| Memoranda: | ||
| Average total assets | $174,750,200 | 3,180 |
| Average earning assets | $160,693,600 | 3,189 |
| Average equity | $25,930,000 | 2,610 |
| Average total loans | $69,032,200 | 3,987 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5474% | 4,699 |
| Cost of funding earning assets | 0.4010% | 3,179 |
| Net interest margin | 3.1464% | 4,584 |
| Noninterest income to average assets | 1.3000% | 632 |
| Noninterest expense to average assets | 2.9862% | 2,144 |
| Loan and lease loss provision to assets | 0.0547% | 2,993 |
| Net operating income to assets | 1.0641% | 2,262 |
| Return on assets (ROA) | 1.0956% | 2,162 |
| Pretax return on assets | 1.1789% | 2,990 |
| Return on Equity (ROE) | 7.3368% | 3,475 |
| Retained earnings to average equity (ytd only) | 2.8397% | 4,209 |
| Net charge-offs to loans | 0.0429% | 2,580 |
| Credit loss provision to net charge-offs | 322.7273% | 931 |
| Earnings coverage of net charge-offs (x) | 70.7334% | 886 |
| Efficiency ratio | 71.3391% | 2,316 |
| Assets per employee ($millions) | 4.4680% | 3,208 |
| Cash dividends to net income (ytd only)* | 61.2946% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,927 |
| Loan loss allowance to noncurrent loans | 178.3178% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.9059% | 704 |
| Noncurrent loans to loans | 0.7803% | 2,418 |
| Net loans and leases to total assets | 39.8180% | 5,205 |
| Net loans and leases to deposits | 51.8901% | 5,057 |
| Net loans and leases to core deposits | 54.4337% | 5,058 |
| Total domestic deposits to total assets | 76.7353% | 4,934 |
| Equity capital to assets | 15.7711% | 584 |
| Core capital (leverage) ratio | 16.4488% | 438 |
| Tier 1 risk-based capital ratio | 29.5906% | 490 |
| Total risk-based capital ratio | 30.5918% | 496 |
| Memoranda: | ||
| Average total assets | $172,923,000 | 3,231 |
| Average earning assets | $158,610,500 | 3,244 |
| Average equity | $25,823,500 | 2,639 |
| Average total loans | $68,344,250 | 4,035 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 4,720 |
| Cost of funding earning assets | 0.4837% | 2,298 |
| Net interest margin | 3.0353% | 4,834 |
| Noninterest income to average assets | 1.3405% | 591 |
| Noninterest expense to average assets | 2.9913% | 2,138 |
| Loan and lease loss provision to assets | 0.0529% | 2,920 |
| Net operating income to assets | 0.9979% | 2,438 |
| Return on assets (ROA) | 0.9979% | 2,482 |
| Pretax return on assets | 1.0807% | 3,262 |
| Return on Equity (ROE) | 6.8063% | 3,659 |
| Retained earnings to average equity (ytd only) | 2.7210% | 4,077 |
| Net charge-offs to loans | 0.0439% | 2,322 |
| Credit loss provision to net charge-offs | 306.6667% | 949 |
| Earnings coverage of net charge-offs (x) | 65.7333% | 881 |
| Efficiency ratio | 72.5195% | 2,262 |
| Assets per employee ($millions) | 4.3242% | 3,393 |
| Cash dividends to net income (ytd only)* | 60.0230% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 1,860 |
| Loan loss allowance to noncurrent loans | 199.1489% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 1.9420% | 668 |
| Noncurrent loans to loans | 0.7138% | 2,608 |
| Net loans and leases to total assets | 37.5287% | 5,317 |
| Net loans and leases to deposits | 48.6218% | 5,185 |
| Net loans and leases to core deposits | 50.7915% | 5,194 |
| Total domestic deposits to total assets | 77.1849% | 4,932 |
| Equity capital to assets | 15.5583% | 602 |
| Core capital (leverage) ratio | 16.0708% | 468 |
| Tier 1 risk-based capital ratio | 28.6806% | 517 |
| Total risk-based capital ratio | 29.6396% | 521 |
| Memoranda: | ||
| Average total assets | $173,969,000 | 3,238 |
| Average earning assets | $159,586,670 | 3,250 |
| Average equity | $25,505,670 | 2,668 |
| Average total loans | $68,272,670 | 4,052 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5183% | 4,644 |
| Cost of funding earning assets | 0.4583% | 2,449 |
| Net interest margin | 3.0601% | 4,767 |
| Noninterest income to average assets | 1.3641% | 566 |
| Noninterest expense to average assets | 2.8911% | 2,481 |
| Loan and lease loss provision to assets | 0.0688% | 2,437 |
| Net operating income to assets | 1.1234% | 1,782 |
| Return on assets (ROA) | 1.1234% | 1,818 |
| Pretax return on assets | 1.2059% | 2,571 |
| Return on Equity (ROE) | 7.9023% | 2,973 |
| Retained earnings to average equity (ytd only) | -0.4999% | 5,000 |
| Net charge-offs to loans | 0.0058% | 2,771 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 556.0000% | 99 |
| Efficiency ratio | 69.4001% | 2,986 |
| Assets per employee ($millions) | 4.3758% | 3,376 |
| Cash dividends to net income (ytd only)* | 106.3265% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 2,285 |
| Loan loss allowance to noncurrent loans | 395.7627% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 1.9642% | 676 |
| Noncurrent loans to loans | 0.3425% | 3,878 |
| Net loans and leases to total assets | 38.8355% | 5,294 |
| Net loans and leases to deposits | 49.5351% | 5,156 |
| Net loans and leases to core deposits | 51.6822% | 5,157 |
| Total domestic deposits to total assets | 78.4001% | 4,921 |
| Equity capital to assets | 14.4676% | 765 |
| Core capital (leverage) ratio | 15.8440% | 480 |
| Tier 1 risk-based capital ratio | 28.0785% | 557 |
| Total risk-based capital ratio | 29.0281% | 563 |
| Memoranda: | ||
| Average total assets | $174,469,000 | 3,262 |
| Average earning assets | $159,735,500 | 3,273 |
| Average equity | $24,803,000 | 2,724 |
| Average total loans | $69,484,500 | 4,064 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4895% | 4,810 |
| Cost of funding earning assets | 0.5037% | 2,061 |
| Net interest margin | 2.9858% | 4,988 |
| Noninterest income to average assets | 1.2780% | 695 |
| Noninterest expense to average assets | 2.7839% | 3,075 |
| Loan and lease loss provision to assets | 0.1161% | 2,131 |
| Net operating income to assets | 1.0207% | 2,259 |
| Return on assets (ROA) | 1.0480% | 2,250 |
| Pretax return on assets | 1.1215% | 3,009 |
| Return on Equity (ROE) | 7.1398% | 3,394 |
| Retained earnings to average equity (ytd only) | 3.1234% | 3,684 |
| Net charge-offs to loans | 0.5596% | 418 |
| Credit loss provision to net charge-offs | 53.1646% | 3,341 |
| Earnings coverage of net charge-offs (x) | 5.5316% | 3,322 |
| Efficiency ratio | 69.7326% | 2,953 |
| Assets per employee ($millions) | 4.2416% | 3,543 |
| Cash dividends to net income (ytd only)* | 56.2533% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,594 |
| Loan loss allowance to noncurrent loans | 215.4762% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 2.0833% | 641 |
| Noncurrent loans to loans | 0.5995% | 3,053 |
| Net loans and leases to total assets | 39.7660% | 5,326 |
| Net loans and leases to deposits | 50.3436% | 5,196 |
| Net loans and leases to core deposits | 52.5231% | 5,204 |
| Total domestic deposits to total assets | 78.9891% | 4,803 |
| Equity capital to assets | 13.9634% | 900 |
| Core capital (leverage) ratio | 15.6293% | 512 |
| Tier 1 risk-based capital ratio | 28.3881% | 546 |
| Total risk-based capital ratio | 29.3172% | 554 |
| Memoranda: | ||
| Average total assets | $180,824,800 | 3,154 |
| Average earning assets | $164,379,400 | 3,182 |
| Average equity | $26,541,400 | 2,598 |
| Average total loans | $70,583,600 | 4,032 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4811% | 4,865 |
| Cost of funding earning assets | 0.5117% | 2,001 |
| Net interest margin | 2.9694% | 5,065 |
| Noninterest income to average assets | 1.4592% | 564 |
| Noninterest expense to average assets | 2.8572% | 2,797 |
| Loan and lease loss provision to assets | 0.1278% | 1,831 |
| Net operating income to assets | 1.0868% | 2,057 |
| Return on assets (ROA) | 1.0868% | 2,153 |
| Pretax return on assets | 1.1657% | 2,982 |
| Return on Equity (ROE) | 7.3192% | 3,392 |
| Retained earnings to average equity (ytd only) | 2.0757% | 4,654 |
| Net charge-offs to loans | 0.7108% | 262 |
| Credit loss provision to net charge-offs | 46.4191% | 3,083 |
| Earnings coverage of net charge-offs (x) | 4.6976% | 3,236 |
| Efficiency ratio | 68.8369% | 3,072 |
| Assets per employee ($millions) | 4.5288% | 3,043 |
| Cash dividends to net income (ytd only)* | 71.6399% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 2,535 |
| Loan loss allowance to noncurrent loans | 269.6049% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 3.2023% | 345 |
| Noncurrent loans to loans | 0.4931% | 3,522 |
| Net loans and leases to total assets | 36.3454% | 5,537 |
| Net loans and leases to deposits | 48.4684% | 5,363 |
| Net loans and leases to core deposits | 51.1796% | 5,346 |
| Total domestic deposits to total assets | 74.9877% | 5,342 |
| Equity capital to assets | 15.1603% | 699 |
| Core capital (leverage) ratio | 14.9004% | 655 |
| Tier 1 risk-based capital ratio | 27.8853% | 590 |
| Total risk-based capital ratio | 28.7931% | 594 |
| Memoranda: | ||
| Average total assets | $182,554,750 | 3,150 |
| Average earning assets | $165,459,000 | 3,184 |
| Average equity | $27,106,000 | 2,580 |
| Average total loans | $70,714,500 | 4,058 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 4,819 |
| Cost of funding earning assets | 0.5038% | 2,072 |
| Net interest margin | 3.0131% | 5,049 |
| Noninterest income to average assets | 1.5375% | 510 |
| Noninterest expense to average assets | 2.9231% | 2,601 |
| Loan and lease loss provision to assets | 0.1475% | 1,556 |
| Net operating income to assets | 1.1201% | 1,889 |
| Return on assets (ROA) | 1.1201% | 1,999 |
| Pretax return on assets | 1.1988% | 2,786 |
| Return on Equity (ROE) | 7.5963% | 3,205 |
| Retained earnings to average equity (ytd only) | 3.2608% | 3,816 |
| Net charge-offs to loans | 0.0639% | 2,286 |
| Credit loss provision to net charge-offs | 586.9565% | 581 |
| Earnings coverage of net charge-offs (x) | 53.5652% | 952 |
| Efficiency ratio | 68.4669% | 3,250 |
| Assets per employee ($millions) | 4.4126% | 3,193 |
| Cash dividends to net income (ytd only)* | 57.0732% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,251 |
| Loan loss allowance to noncurrent loans | 123.5355% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 3.6785% | 272 |
| Noncurrent loans to loans | 1.3858% | 1,615 |
| Net loans and leases to total assets | 38.1437% | 5,510 |
| Net loans and leases to deposits | 50.9115% | 5,293 |
| Net loans and leases to core deposits | 53.7651% | 5,293 |
| Total domestic deposits to total assets | 74.9215% | 5,421 |
| Equity capital to assets | 15.2872% | 673 |
| Core capital (leverage) ratio | 14.7378% | 658 |
| Tier 1 risk-based capital ratio | 28.4186% | 570 |
| Total risk-based capital ratio | 29.6683% | 560 |
| Memoranda: | ||
| Average total assets | $183,022,670 | 3,156 |
| Average earning assets | $165,943,670 | 3,196 |
| Average equity | $26,987,000 | 2,592 |
| Average total loans | $72,043,670 | 4,040 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5339% | 4,801 |
| Cost of funding earning assets | 0.5144% | 1,989 |
| Net interest margin | 3.0195% | 5,073 |
| Noninterest income to average assets | 1.9970% | 336 |
| Noninterest expense to average assets | 3.1509% | 1,956 |
| Loan and lease loss provision to assets | 0.1521% | 1,391 |
| Net operating income to assets | 1.2690% | 1,340 |
| Return on assets (ROA) | 1.2690% | 1,436 |
| Pretax return on assets | 1.3473% | 2,104 |
| Return on Equity (ROE) | 8.7648% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.7648% | 1,182 |
| Net charge-offs to loans | 0.0548% | 1,973 |
| Credit loss provision to net charge-offs | 700.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 705 |
| Efficiency ratio | 67.7570% | 3,504 |
| Assets per employee ($millions) | 4.4164% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 1,670 |
| Loan loss allowance to noncurrent loans | 111.0039% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 3.7112% | 286 |
| Noncurrent loans to loans | 1.4253% | 1,672 |
| Net loans and leases to total assets | 39.5080% | 5,478 |
| Net loans and leases to deposits | 52.5265% | 5,194 |
| Net loans and leases to core deposits | 55.2404% | 5,176 |
| Total domestic deposits to total assets | 75.2154% | 5,497 |
| Equity capital to assets | 15.0625% | 677 |
| Core capital (leverage) ratio | 14.7532% | 654 |
| Tier 1 risk-based capital ratio | 28.0830% | 602 |
| Total risk-based capital ratio | 29.2602% | 593 |
| Memoranda: | ||
| Average total assets | $184,076,000 | 3,159 |
| Average earning assets | $161,749,500 | 3,262 |
| Average equity | $26,652,000 | 2,620 |
| Average total loans | $72,960,500 | 4,049 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4861% | 4,957 |
| Cost of funding earning assets | 0.4752% | 2,397 |
| Net interest margin | 3.0110% | 5,114 |
| Noninterest income to average assets | 1.0281% | 1,122 |
| Noninterest expense to average assets | 2.6395% | 3,785 |
| Loan and lease loss provision to assets | 0.1438% | 1,647 |
| Net operating income to assets | 0.9078% | 2,822 |
| Return on assets (ROA) | 1.0208% | 2,331 |
| Pretax return on assets | 1.0849% | 3,132 |
| Return on Equity (ROE) | 7.1419% | 3,434 |
| Retained earnings to average equity (ytd only) | 2.7160% | 4,136 |
| Net charge-offs to loans | 0.1794% | 1,600 |
| Credit loss provision to net charge-offs | 191.0448% | 1,448 |
| Earnings coverage of net charge-offs (x) | 14.7239% | 2,269 |
| Efficiency ratio | 70.4242% | 3,154 |
| Assets per employee ($millions) | 4.4543% | 3,116 |
| Cash dividends to net income (ytd only)* | 61.9703% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 2,060 |
| Loan loss allowance to noncurrent loans | 103.9085% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 3.6621% | 308 |
| Noncurrent loans to loans | 1.4324% | 1,626 |
| Net loans and leases to total assets | 38.5626% | 5,595 |
| Net loans and leases to deposits | 50.2606% | 5,376 |
| Net loans and leases to core deposits | 53.4999% | 5,346 |
| Total domestic deposits to total assets | 76.7255% | 5,364 |
| Equity capital to assets | 13.9138% | 961 |
| Core capital (leverage) ratio | 14.9409% | 630 |
| Tier 1 risk-based capital ratio | 26.0377% | 739 |
| Total risk-based capital ratio | 27.0950% | 733 |
| Memoranda: | ||
| Average total assets | $177,991,600 | 3,201 |
| Average earning assets | $160,779,200 | 3,245 |
| Average equity | $25,441,400 | 2,658 |
| Average total loans | $74,680,800 | 3,978 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5430% | 4,884 |
| Cost of funding earning assets | 0.4779% | 2,428 |
| Net interest margin | 3.0651% | 5,044 |
| Noninterest income to average assets | 0.9963% | 1,194 |
| Noninterest expense to average assets | 2.6944% | 3,583 |
| Loan and lease loss provision to assets | 0.1411% | 1,572 |
| Net operating income to assets | 0.8560% | 3,144 |
| Return on assets (ROA) | 1.0054% | 2,537 |
| Pretax return on assets | 1.0873% | 3,278 |
| Return on Equity (ROE) | 6.9843% | 3,623 |
| Retained earnings to average equity (ytd only) | 1.8660% | 4,948 |
| Net charge-offs to loans | 0.1794% | 1,405 |
| Credit loss provision to net charge-offs | 184.1584% | 1,442 |
| Earnings coverage of net charge-offs (x) | 13.9113% | 2,285 |
| Efficiency ratio | 71.6505% | 2,942 |
| Assets per employee ($millions) | 4.1564% | 3,604 |
| Cash dividends to net income (ytd only)* | 73.2829% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 2,543 |
| Loan loss allowance to noncurrent loans | 92.8571% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 3.8735% | 310 |
| Noncurrent loans to loans | 1.5195% | 1,653 |
| Net loans and leases to total assets | 43.1751% | 5,409 |
| Net loans and leases to deposits | 58.0170% | 5,003 |
| Net loans and leases to core deposits | 62.2845% | 4,918 |
| Total domestic deposits to total assets | 74.4180% | 5,673 |
| Equity capital to assets | 15.3040% | 678 |
| Core capital (leverage) ratio | 15.1590% | 610 |
| Tier 1 risk-based capital ratio | 27.6350% | 643 |
| Total risk-based capital ratio | 28.7324% | 634 |
| Memoranda: | ||
| Average total assets | $175,719,500 | 3,253 |
| Average earning assets | $158,468,500 | 3,302 |
| Average equity | $25,294,250 | 2,692 |
| Average total loans | $75,042,750 | 4,004 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4808% | 5,039 |
| Cost of funding earning assets | 0.4693% | 2,525 |
| Net interest margin | 3.0115% | 5,199 |
| Noninterest income to average assets | 0.8722% | 1,537 |
| Noninterest expense to average assets | 2.6052% | 3,890 |
| Loan and lease loss provision to assets | 0.1307% | 1,693 |
| Net operating income to assets | 0.7915% | 3,429 |
| Return on assets (ROA) | 0.9916% | 2,540 |
| Pretax return on assets | 1.0727% | 3,286 |
| Return on Equity (ROE) | 7.0309% | 3,588 |
| Retained earnings to average equity (ytd only) | 3.0041% | 4,126 |
| Net charge-offs to loans | 0.1782% | 1,390 |
| Credit loss provision to net charge-offs | 173.1343% | 1,388 |
| Earnings coverage of net charge-offs (x) | 13.0597% | 2,165 |
| Efficiency ratio | 72.5447% | 2,921 |
| Assets per employee ($millions) | 4.2848% | 3,330 |
| Cash dividends to net income (ytd only)* | 57.2727% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 3,005 |
| Loan loss allowance to noncurrent loans | 67.5748% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 4.0159% | 335 |
| Noncurrent loans to loans | 1.9915% | 1,230 |
| Net loans and leases to total assets | 42.4390% | 5,470 |
| Net loans and leases to deposits | 55.9469% | 5,121 |
| Net loans and leases to core deposits | 60.3311% | 5,050 |
| Total domestic deposits to total assets | 75.8558% | 5,613 |
| Equity capital to assets | 14.2824% | 882 |
| Core capital (leverage) ratio | 14.6692% | 674 |
| Tier 1 risk-based capital ratio | 27.3351% | 687 |
| Total risk-based capital ratio | 28.3824% | 683 |
| Memoranda: | ||
| Average total assets | $177,488,330 | 3,254 |
| Average earning assets | $160,250,000 | 3,303 |
| Average equity | $25,032,330 | 2,722 |
| Average total loans | $75,180,670 | 4,027 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3659% | 5,292 |
| Cost of funding earning assets | 0.4677% | 2,583 |
| Net interest margin | 2.8982% | 5,459 |
| Noninterest income to average assets | 0.8296% | 1,603 |
| Noninterest expense to average assets | 2.4082% | 4,568 |
| Loan and lease loss provision to assets | 0.2018% | 915 |
| Net operating income to assets | 0.7716% | 3,410 |
| Return on assets (ROA) | 1.0426% | 2,209 |
| Pretax return on assets | 1.1234% | 2,982 |
| Return on Equity (ROE) | 7.4391% | 3,249 |
| Retained earnings to average equity (ytd only) | -0.6239% | 5,491 |
| Net charge-offs to loans | 0.0907% | 1,813 |
| Credit loss provision to net charge-offs | 529.4118% | 518 |
| Earnings coverage of net charge-offs (x) | 27.1176% | 1,219 |
| Efficiency ratio | 69.9674% | 3,494 |
| Assets per employee ($millions) | 4.5201% | 3,023 |
| Cash dividends to net income (ytd only)* | 108.3871% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,917 |
| Loan loss allowance to noncurrent loans | 42.3515% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 4.8723% | 259 |
| Noncurrent loans to loans | 3.3060% | 611 |
| Net loans and leases to total assets | 41.5854% | 5,512 |
| Net loans and leases to deposits | 54.9795% | 5,126 |
| Net loans and leases to core deposits | 60.2599% | 4,977 |
| Total domestic deposits to total assets | 75.6380% | 5,772 |
| Equity capital to assets | 14.6010% | 802 |
| Core capital (leverage) ratio | 14.4686% | 697 |
| Tier 1 risk-based capital ratio | 26.6693% | 740 |
| Total risk-based capital ratio | 27.7312% | 737 |
| Memoranda: | ||
| Average total assets | $178,393,500 | 3,260 |
| Average earning assets | $160,788,500 | 3,310 |
| Average equity | $25,003,000 | 2,751 |
| Average total loans | $74,984,500 | 4,050 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6269% | 5,010 |
| Cost of funding earning assets | 0.4773% | 2,910 |
| Net interest margin | 3.1495% | 5,071 |
| Noninterest income to average assets | 0.8615% | 1,639 |
| Noninterest expense to average assets | 2.6934% | 3,888 |
| Loan and lease loss provision to assets | 0.1783% | 1,446 |
| Net operating income to assets | 0.7683% | 3,524 |
| Return on assets (ROA) | 1.0420% | 2,276 |
| Pretax return on assets | 1.1137% | 3,032 |
| Return on Equity (ROE) | 8.1703% | 3,041 |
| Retained earnings to average equity (ytd only) | 3.6852% | 3,599 |
| Net charge-offs to loans | 0.3841% | 1,114 |
| Credit loss provision to net charge-offs | 116.0448% | 2,060 |
| Earnings coverage of net charge-offs (x) | 6.5149% | 3,181 |
| Efficiency ratio | 72.9092% | 3,054 |
| Assets per employee ($millions) | 4.2923% | 3,375 |
| Cash dividends to net income (ytd only)* | 54.8955% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 3,542 |
| Loan loss allowance to noncurrent loans | 73.0015% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 4.3095% | 374 |
| Noncurrent loans to loans | 1.7535% | 1,647 |
| Net loans and leases to total assets | 41.4098% | 5,662 |
| Net loans and leases to deposits | 53.7409% | 5,346 |
| Net loans and leases to core deposits | 58.6748% | 5,222 |
| Total domestic deposits to total assets | 77.0546% | 5,595 |
| Equity capital to assets | 13.4605% | 1,176 |
| Core capital (leverage) ratio | 14.8753% | 632 |
| Tier 1 risk-based capital ratio | 25.6616% | 787 |
| Total risk-based capital ratio | 26.5977% | 797 |
| Memoranda: | ||
| Average total assets | $174,465,800 | 3,277 |
| Average earning assets | $156,911,400 | 3,328 |
| Average equity | $22,251,400 | 2,921 |
| Average total loans | $69,781,400 | 4,190 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6408% | 5,033 |
| Cost of funding earning assets | 0.4791% | 2,965 |
| Net interest margin | 3.1616% | 5,086 |
| Noninterest income to average assets | 1.0696% | 1,069 |
| Noninterest expense to average assets | 2.7404% | 3,671 |
| Loan and lease loss provision to assets | 0.2081% | 1,120 |
| Net operating income to assets | 0.9043% | 2,897 |
| Return on assets (ROA) | 1.2769% | 1,504 |
| Pretax return on assets | 1.3509% | 2,188 |
| Return on Equity (ROE) | 10.1587% | 2,139 |
| Retained earnings to average equity (ytd only) | 4.0463% | 3,767 |
| Net charge-offs to loans | 0.1444% | 2,356 |
| Credit loss provision to net charge-offs | 364.8649% | 773 |
| Earnings coverage of net charge-offs (x) | 20.4604% | 1,733 |
| Efficiency ratio | 70.1381% | 3,486 |
| Assets per employee ($millions) | 3.7952% | 4,301 |
| Cash dividends to net income (ytd only)* | 60.1689% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 2,455 |
| Loan loss allowance to noncurrent loans | 49.8665% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 4.8032% | 367 |
| Noncurrent loans to loans | 3.1288% | 822 |
| Net loans and leases to total assets | 41.4136% | 5,726 |
| Net loans and leases to deposits | 54.1924% | 5,372 |
| Net loans and leases to core deposits | 59.5195% | 5,227 |
| Total domestic deposits to total assets | 76.4196% | 5,762 |
| Equity capital to assets | 13.4757% | 1,191 |
| Core capital (leverage) ratio | 14.8738% | 642 |
| Tier 1 risk-based capital ratio | 26.6242% | 735 |
| Total risk-based capital ratio | 27.7559% | 730 |
| Memoranda: | ||
| Average total assets | $173,013,250 | 3,325 |
| Average earning assets | $155,274,250 | 3,377 |
| Average equity | $21,747,750 | 2,976 |
| Average total loans | $68,321,750 | 4,262 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6120% | 5,117 |
| Cost of funding earning assets | 0.4739% | 3,076 |
| Net interest margin | 3.1381% | 5,129 |
| Noninterest income to average assets | 1.0509% | 1,077 |
| Noninterest expense to average assets | 2.6278% | 4,144 |
| Loan and lease loss provision to assets | 0.2072% | 1,148 |
| Net operating income to assets | 0.9869% | 2,376 |
| Return on assets (ROA) | 1.4676% | 973 |
| Pretax return on assets | 1.5366% | 1,441 |
| Return on Equity (ROE) | 11.9574% | 1,434 |
| Retained earnings to average equity (ytd only) | 2.5978% | 4,544 |
| Net charge-offs to loans | 0.1519% | 2,174 |
| Credit loss provision to net charge-offs | 352.9412% | 758 |
| Earnings coverage of net charge-offs (x) | 21.1765% | 1,556 |
| Efficiency ratio | 67.8858% | 4,029 |
| Assets per employee ($millions) | 4.5287% | 2,881 |
| Cash dividends to net income (ytd only)* | 78.2745% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 2,778 |
| Loan loss allowance to noncurrent loans | 39.8488% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 4.7090% | 402 |
| Noncurrent loans to loans | 3.8267% | 643 |
| Net loans and leases to total assets | 38.5380% | 5,922 |
| Net loans and leases to deposits | 49.7500% | 5,651 |
| Net loans and leases to core deposits | 54.3941% | 5,526 |
| Total domestic deposits to total assets | 77.4632% | 5,725 |
| Equity capital to assets | 12.8045% | 1,487 |
| Core capital (leverage) ratio | 14.7828% | 640 |
| Tier 1 risk-based capital ratio | 26.5347% | 732 |
| Total risk-based capital ratio | 27.6254% | 723 |
| Memoranda: | ||
| Average total assets | $173,757,000 | 3,326 |
| Average earning assets | $156,146,670 | 3,374 |
| Average equity | $21,325,670 | 3,018 |
| Average total loans | $67,146,330 | 4,324 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6760% | 4,924 |
| Cost of funding earning assets | 0.4793% | 3,117 |
| Net interest margin | 3.1967% | 4,930 |
| Noninterest income to average assets | 0.9447% | 1,273 |
| Noninterest expense to average assets | 2.5742% | 4,363 |
| Loan and lease loss provision to assets | 0.2089% | 1,104 |
| Net operating income to assets | 1.0005% | 2,208 |
| Return on assets (ROA) | 1.9800% | 367 |
| Pretax return on assets | 2.0357% | 497 |
| Return on Equity (ROE) | 16.4982% | 590 |
| Retained earnings to average equity (ytd only) | 6.5374% | 2,258 |
| Net charge-offs to loans | 0.3688% | 977 |
| Credit loss provision to net charge-offs | 147.5410% | 1,277 |
| Earnings coverage of net charge-offs (x) | 8.7213% | 1,996 |
| Efficiency ratio | 67.5807% | 4,259 |
| Assets per employee ($millions) | 4.3441% | 3,259 |
| Cash dividends to net income (ytd only)* | 60.3751% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 3,407 |
| Loan loss allowance to noncurrent loans | 49.3285% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 4.3819% | 508 |
| Noncurrent loans to loans | 2.9210% | 1,111 |
| Net loans and leases to total assets | 37.5934% | 5,972 |
| Net loans and leases to deposits | 48.2612% | 5,714 |
| Net loans and leases to core deposits | 52.8183% | 5,573 |
| Total domestic deposits to total assets | 77.8956% | 5,847 |
| Equity capital to assets | 12.2898% | 1,693 |
| Core capital (leverage) ratio | 15.1180% | 585 |
| Tier 1 risk-based capital ratio | 27.3334% | 691 |
| Total risk-based capital ratio | 28.3494% | 696 |
| Memoranda: | ||
| Average total assets | $172,326,500 | 3,375 |
| Average earning assets | $154,407,500 | 3,430 |
| Average equity | $20,681,000 | 3,099 |
| Average total loans | $66,160,000 | 4,384 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 4,807 |
| Cost of funding earning assets | 0.4789% | 3,827 |
| Net interest margin | 3.3238% | 4,577 |
| Noninterest income to average assets | 1.2649% | 865 |
| Noninterest expense to average assets | 2.9858% | 3,092 |
| Loan and lease loss provision to assets | 0.1562% | 2,322 |
| Net operating income to assets | 1.0379% | 2,172 |
| Return on assets (ROA) | 1.0379% | 2,237 |
| Pretax return on assets | 1.0998% | 2,947 |
| Return on Equity (ROE) | 7.5685% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.8456% | 3,468 |
| Net charge-offs to loans | 0.8720% | 703 |
| Credit loss provision to net charge-offs | 44.9827% | 3,939 |
| Earnings coverage of net charge-offs (x) | 3.6176% | 3,807 |
| Efficiency ratio | 70.3908% | 3,774 |
| Assets per employee ($millions) | 4.1681% | 3,503 |
| Cash dividends to net income (ytd only)* | 49.1898% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 3,655 |
| Loan loss allowance to noncurrent loans | 48.0270% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 4.5228% | 552 |
| Noncurrent loans to loans | 2.9163% | 1,199 |
| Net loans and leases to total assets | 38.1044% | 6,086 |
| Net loans and leases to deposits | 48.6024% | 5,858 |
| Net loans and leases to core deposits | 52.2814% | 5,775 |
| Total domestic deposits to total assets | 78.4003% | 5,761 |
| Equity capital to assets | 11.7075% | 2,024 |
| Core capital (leverage) ratio | 15.1068% | 592 |
| Tier 1 risk-based capital ratio | 26.7658% | 700 |
| Total risk-based capital ratio | 27.7425% | 710 |
| Memoranda: | ||
| Average total assets | $166,490,600 | 3,466 |
| Average earning assets | $149,105,600 | 3,522 |
| Average equity | $22,831,400 | 2,844 |
| Average total loans | $66,282,800 | 4,403 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8186% | 4,776 |
| Cost of funding earning assets | 0.4756% | 4,013 |
| Net interest margin | 3.3430% | 4,486 |
| Noninterest income to average assets | 1.3100% | 864 |
| Noninterest expense to average assets | 3.0440% | 2,846 |
| Loan and lease loss provision to assets | 0.1491% | 2,404 |
| Net operating income to assets | 1.0432% | 2,214 |
| Return on assets (ROA) | 1.0432% | 2,293 |
| Pretax return on assets | 1.1085% | 3,080 |
| Return on Equity (ROE) | 7.3300% | 3,470 |
| Retained earnings to average equity (ytd only) | 3.8406% | 3,952 |
| Net charge-offs to loans | 0.9506% | 604 |
| Credit loss provision to net charge-offs | 39.1121% | 3,721 |
| Earnings coverage of net charge-offs (x) | 3.2981% | 3,745 |
| Efficiency ratio | 70.7646% | 3,635 |
| Assets per employee ($millions) | 4.0681% | 3,702 |
| Cash dividends to net income (ytd only)* | 47.6042% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 3,377 |
| Loan loss allowance to noncurrent loans | 50.3692% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 4.5347% | 661 |
| Noncurrent loans to loans | 3.0148% | 1,331 |
| Net loans and leases to total assets | 38.0608% | 6,171 |
| Net loans and leases to deposits | 49.7282% | 5,853 |
| Net loans and leases to core deposits | 53.7948% | 5,782 |
| Total domestic deposits to total assets | 76.5376% | 6,104 |
| Equity capital to assets | 13.0731% | 1,306 |
| Core capital (leverage) ratio | 15.6821% | 544 |
| Tier 1 risk-based capital ratio | 27.7041% | 651 |
| Total risk-based capital ratio | 28.7554% | 651 |
| Memoranda: | ||
| Average total assets | $165,390,500 | 3,518 |
| Average earning assets | $148,007,000 | 3,576 |
| Average equity | $23,537,500 | 2,799 |
| Average total loans | $66,343,000 | 4,435 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7995% | 4,835 |
| Cost of funding earning assets | 0.4639% | 4,270 |
| Net interest margin | 3.3356% | 4,431 |
| Noninterest income to average assets | 1.3411% | 868 |
| Noninterest expense to average assets | 3.0804% | 2,724 |
| Loan and lease loss provision to assets | 0.1624% | 2,297 |
| Net operating income to assets | 0.9899% | 2,378 |
| Return on assets (ROA) | 0.9899% | 2,517 |
| Pretax return on assets | 1.0909% | 3,126 |
| Return on Equity (ROE) | 6.7758% | 3,731 |
| Retained earnings to average equity (ytd only) | 1.7042% | 5,161 |
| Net charge-offs to loans | 1.3246% | 430 |
| Credit loss provision to net charge-offs | 30.2013% | 3,587 |
| Earnings coverage of net charge-offs (x) | 2.3311% | 3,743 |
| Efficiency ratio | 71.0797% | 3,630 |
| Assets per employee ($millions) | 4.2296% | 3,296 |
| Cash dividends to net income (ytd only)* | 74.8481% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 4,061 |
| Loan loss allowance to noncurrent loans | 53.4443% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 4.3858% | 757 |
| Noncurrent loans to loans | 2.6076% | 1,759 |
| Net loans and leases to total assets | 38.9374% | 6,114 |
| Net loans and leases to deposits | 50.3485% | 5,812 |
| Net loans and leases to core deposits | 51.6963% | 5,912 |
| Total domestic deposits to total assets | 77.3357% | 6,082 |
| Equity capital to assets | 12.7472% | 1,440 |
| Core capital (leverage) ratio | 14.3338% | 740 |
| Tier 1 risk-based capital ratio | 26.3953% | 737 |
| Total risk-based capital ratio | 27.3904% | 743 |
| Memoranda: | ||
| Average total assets | $166,279,330 | 3,522 |
| Average earning assets | $149,177,000 | 3,572 |
| Average equity | $24,292,330 | 2,740 |
| Average total loans | $67,494,330 | 4,398 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 4,644 |
| Cost of funding earning assets | 0.4629% | 4,451 |
| Net interest margin | 3.3891% | 4,159 |
| Noninterest income to average assets | 1.2765% | 937 |
| Noninterest expense to average assets | 2.8903% | 3,382 |
| Loan and lease loss provision to assets | 0.2305% | 1,586 |
| Net operating income to assets | 1.0920% | 1,888 |
| Return on assets (ROA) | 1.0920% | 1,994 |
| Pretax return on assets | 1.1940% | 2,597 |
| Return on Equity (ROE) | 7.0160% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.1317% | 3,743 |
| Net charge-offs to loans | 0.0884% | 2,954 |
| Credit loss provision to net charge-offs | 633.3333% | 433 |
| Earnings coverage of net charge-offs (x) | 39.1333% | 803 |
| Efficiency ratio | 66.9854% | 4,491 |
| Assets per employee ($millions) | 4.1567% | 3,618 |
| Cash dividends to net income (ytd only)* | 41.1111% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 2,154 |
| Loan loss allowance to noncurrent loans | 42.5676% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 4.8085% | 769 |
| Noncurrent loans to loans | 4.5965% | 891 |
| Net loans and leases to total assets | 39.8718% | 6,010 |
| Net loans and leases to deposits | 53.4530% | 5,476 |
| Net loans and leases to core deposits | 55.4701% | 5,560 |
| Total domestic deposits to total assets | 74.5922% | 6,498 |
| Equity capital to assets | 15.4269% | 656 |
| Core capital (leverage) ratio | 14.5153% | 667 |
| Tier 1 risk-based capital ratio | 26.9906% | 710 |
| Total risk-based capital ratio | 28.2428% | 696 |
| Memoranda: | ||
| Average total assets | $164,828,000 | 3,583 |
| Average earning assets | $147,767,500 | 3,627 |
| Average equity | $25,655,500 | 2,645 |
| Average total loans | $67,838,500 | 4,426 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 5,355 |
| Cost of funding earning assets | 0.5067% | 5,168 |
| Net interest margin | 3.4798% | 4,583 |
| Noninterest income to average assets | 1.4446% | 751 |
| Noninterest expense to average assets | 3.2989% | 2,338 |
| Loan and lease loss provision to assets | 0.1418% | 3,830 |
| Net operating income to assets | 1.0271% | 2,222 |
| Return on assets (ROA) | 1.1521% | 1,929 |
| Pretax return on assets | 1.2271% | 2,693 |
| Return on Equity (ROE) | 7.2581% | 3,493 |
| Retained earnings to average equity (ytd only) | 2.9819% | 4,133 |
| Net charge-offs to loans | 0.5601% | 2,061 |
| Credit loss provision to net charge-offs | 57.2519% | 4,517 |
| Earnings coverage of net charge-offs (x) | 4.9898% | 3,185 |
| Efficiency ratio | 72.7450% | 3,281 |
| Assets per employee ($millions) | 4.0847% | 3,780 |
| Cash dividends to net income (ytd only)* | 58.9168% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 2,510 |
| Loan loss allowance to noncurrent loans | 39.6932% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 5.0181% | 771 |
| Noncurrent loans to loans | 4.5974% | 921 |
| Net loans and leases to total assets | 40.8953% | 6,104 |
| Net loans and leases to deposits | 55.1249% | 5,538 |
| Net loans and leases to core deposits | 57.2547% | 5,616 |
| Total domestic deposits to total assets | 74.1866% | 6,510 |
| Equity capital to assets | 15.7056% | 602 |
| Core capital (leverage) ratio | 14.9431% | 585 |
| Tier 1 risk-based capital ratio | 26.5858% | 726 |
| Total risk-based capital ratio | 27.8374% | 715 |
| Memoranda: | ||
| Average total assets | $158,661,200 | 3,642 |
| Average earning assets | $140,900,600 | 3,710 |
| Average equity | $25,185,600 | 2,636 |
| Average total loans | $70,171,400 | 4,356 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 5,302 |
| Cost of funding earning assets | 0.5102% | 5,375 |
| Net interest margin | 3.5554% | 4,418 |
| Noninterest income to average assets | 1.3580% | 808 |
| Noninterest expense to average assets | 3.3011% | 2,275 |
| Loan and lease loss provision to assets | 0.1312% | 3,910 |
| Net operating income to assets | 1.0022% | 2,485 |
| Return on assets (ROA) | 1.1684% | 2,030 |
| Pretax return on assets | 1.2547% | 2,770 |
| Return on Equity (ROE) | 7.3402% | 3,618 |
| Retained earnings to average equity (ytd only) | 2.5159% | 5,064 |
| Net charge-offs to loans | 0.6261% | 1,758 |
| Credit loss provision to net charge-offs | 46.6867% | 4,477 |
| Earnings coverage of net charge-offs (x) | 4.2951% | 3,346 |
| Efficiency ratio | 73.2207% | 3,116 |
| Assets per employee ($millions) | 3.7728% | 4,366 |
| Cash dividends to net income (ytd only)* | 65.7246% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7720% | 2,890 |
| Loan loss allowance to noncurrent loans | 37.8644% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 5.4744% | 782 |
| Noncurrent loans to loans | 4.6798% | 997 |
| Net loans and leases to total assets | 42.1657% | 6,115 |
| Net loans and leases to deposits | 56.9885% | 5,536 |
| Net loans and leases to core deposits | 59.2128% | 5,633 |
| Total domestic deposits to total assets | 73.9899% | 6,603 |
| Equity capital to assets | 15.7617% | 652 |
| Core capital (leverage) ratio | 14.7002% | 668 |
| Tier 1 risk-based capital ratio | 26.0331% | 821 |
| Total risk-based capital ratio | 27.2836% | 808 |
| Memoranda: | ||
| Average total assets | $157,479,500 | 3,697 |
| Average earning assets | $139,541,250 | 3,774 |
| Average equity | $25,066,750 | 2,681 |
| Average total loans | $70,699,250 | 4,377 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 5,098 |
| Cost of funding earning assets | 0.5240% | 5,459 |
| Net interest margin | 3.6332% | 4,116 |
| Noninterest income to average assets | 1.3843% | 753 |
| Noninterest expense to average assets | 3.4497% | 1,909 |
| Loan and lease loss provision to assets | 0.1219% | 3,998 |
| Net operating income to assets | 0.9630% | 2,606 |
| Return on assets (ROA) | 1.2175% | 1,848 |
| Pretax return on assets | 1.2944% | 2,575 |
| Return on Equity (ROE) | 7.6228% | 3,434 |
| Retained earnings to average equity (ytd only) | 4.3536% | 3,716 |
| Net charge-offs to loans | 0.4644% | 2,210 |
| Credit loss provision to net charge-offs | 57.5758% | 3,868 |
| Earnings coverage of net charge-offs (x) | 5.4121% | 2,843 |
| Efficiency ratio | 75.0698% | 2,885 |
| Assets per employee ($millions) | 3.6983% | 4,523 |
| Cash dividends to net income (ytd only)* | 42.8872% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9406% | 2,410 |
| Loan loss allowance to noncurrent loans | 36.1943% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 5.6846% | 765 |
| Noncurrent loans to loans | 5.3616% | 877 |
| Net loans and leases to total assets | 42.6103% | 6,140 |
| Net loans and leases to deposits | 57.8966% | 5,461 |
| Net loans and leases to core deposits | 60.2122% | 5,565 |
| Total domestic deposits to total assets | 73.5972% | 6,704 |
| Equity capital to assets | 16.0566% | 570 |
| Core capital (leverage) ratio | 15.0764% | 589 |
| Tier 1 risk-based capital ratio | 26.3571% | 777 |
| Total risk-based capital ratio | 27.6093% | 765 |
| Memoranda: | ||
| Average total assets | $155,896,330 | 3,739 |
| Average earning assets | $137,784,330 | 3,815 |
| Average equity | $24,899,000 | 2,683 |
| Average total loans | $71,052,670 | 4,390 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 4,807 |
| Cost of funding earning assets | 0.5293% | 5,613 |
| Net interest margin | 3.7524% | 3,591 |
| Noninterest income to average assets | 1.2855% | 859 |
| Noninterest expense to average assets | 3.3875% | 2,039 |
| Loan and lease loss provision to assets | 0.0907% | 4,219 |
| Net operating income to assets | 1.0264% | 2,378 |
| Return on assets (ROA) | 1.0264% | 2,564 |
| Pretax return on assets | 1.0963% | 3,334 |
| Return on Equity (ROE) | 6.4439% | 4,069 |
| Retained earnings to average equity (ytd only) | 4.6376% | 3,789 |
| Net charge-offs to loans | 0.0222% | 4,372 |
| Credit loss provision to net charge-offs | 875.0000% | 403 |
| Earnings coverage of net charge-offs (x) | 114.5000% | 309 |
| Efficiency ratio | 74.0510% | 3,095 |
| Assets per employee ($millions) | 3.5980% | 4,883 |
| Cash dividends to net income (ytd only)* | 28.0303% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0129% | 2,321 |
| Loan loss allowance to noncurrent loans | 34.4564% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 5.7216% | 844 |
| Noncurrent loans to loans | 5.8419% | 877 |
| Net loans and leases to total assets | 44.3406% | 5,974 |
| Net loans and leases to deposits | 59.8467% | 5,169 |
| Net loans and leases to core deposits | 62.2344% | 5,297 |
| Total domestic deposits to total assets | 74.0902% | 6,735 |
| Equity capital to assets | 15.5333% | 652 |
| Core capital (leverage) ratio | 15.3167% | 555 |
| Tier 1 risk-based capital ratio | 25.6871% | 837 |
| Total risk-based capital ratio | 26.9406% | 816 |
| Memoranda: | ||
| Average total assets | $154,332,000 | 3,797 |
| Average earning assets | $135,273,500 | 3,899 |
| Average equity | $24,581,500 | 2,704 |
| Average total loans | $72,028,000 | 4,383 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8102% | 3,766 |
| Cost of funding earning assets | 0.6921% | 5,592 |
| Net interest margin | 4.1181% | 2,356 |
| Noninterest income to average assets | 1.2528% | 828 |
| Noninterest expense to average assets | 3.3517% | 2,358 |
| Loan and lease loss provision to assets | 0.1460% | 4,787 |
| Net operating income to assets | 1.2826% | 1,289 |
| Return on assets (ROA) | 1.5308% | 842 |
| Pretax return on assets | 1.6254% | 1,149 |
| Return on Equity (ROE) | 9.8173% | 2,120 |
| Retained earnings to average equity (ytd only) | -2.3933% | 6,203 |
| Net charge-offs to loans | 0.1322% | 5,091 |
| Credit loss provision to net charge-offs | 223.3010% | 1,086 |
| Earnings coverage of net charge-offs (x) | 23.0583% | 1,041 |
| Efficiency ratio | 68.9786% | 4,155 |
| Assets per employee ($millions) | 3.2685% | 5,584 |
| Cash dividends to net income (ytd only)* | 124.3781% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 2,420 |
| Loan loss allowance to noncurrent loans | 39.4634% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 5.6973% | 887 |
| Noncurrent loans to loans | 4.9408% | 1,149 |
| Net loans and leases to total assets | 47.2262% | 5,903 |
| Net loans and leases to deposits | 64.9180% | 4,887 |
| Net loans and leases to core deposits | 67.7021% | 5,067 |
| Total domestic deposits to total assets | 72.7475% | 6,832 |
| Equity capital to assets | 16.3429% | 537 |
| Core capital (leverage) ratio | 14.3817% | 738 |
| Tier 1 risk-based capital ratio | 25.1182% | 859 |
| Total risk-based capital ratio | 26.3713% | 845 |
| Memoranda: | ||
| Average total assets | $157,561,800 | 3,666 |
| Average earning assets | $137,976,400 | 3,786 |
| Average equity | $24,568,800 | 2,620 |
| Average total loans | $77,915,400 | 4,215 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 2,968 |
| Cost of funding earning assets | 0.6901% | 5,826 |
| Net interest margin | 4.3351% | 1,601 |
| Noninterest income to average assets | 1.2558% | 815 |
| Noninterest expense to average assets | 3.3558% | 2,329 |
| Loan and lease loss provision to assets | 0.1548% | 4,531 |
| Net operating income to assets | 1.4498% | 1,052 |
| Return on assets (ROA) | 1.7762% | 593 |
| Pretax return on assets | 1.8816% | 816 |
| Return on Equity (ROE) | 11.5215% | 1,681 |
| Retained earnings to average equity (ytd only) | 2.4639% | 4,890 |
| Net charge-offs to loans | -0.2724% | 7,294 |
| Credit loss provision to net charge-offs | -114.1975% | 6,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5174% | 4,618 |
| Assets per employee ($millions) | 3.6492% | 4,644 |
| Cash dividends to net income (ytd only)* | 78.6151% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0979% | 2,068 |
| Loan loss allowance to noncurrent loans | 53.9326% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 3.9413% | 1,556 |
| Noncurrent loans to loans | 3.8899% | 1,718 |
| Net loans and leases to total assets | 45.3700% | 6,203 |
| Net loans and leases to deposits | 60.6840% | 5,557 |
| Net loans and leases to core deposits | 63.9970% | 5,610 |
| Total domestic deposits to total assets | 74.7644% | 6,668 |
| Equity capital to assets | 15.3269% | 765 |
| Core capital (leverage) ratio | 15.2435% | 618 |
| Tier 1 risk-based capital ratio | 24.6606% | 945 |
| Total risk-based capital ratio | 25.9151% | 929 |
| Memoranda: | ||
| Average total assets | $159,364,000 | 3,664 |
| Average earning assets | $139,293,750 | 3,781 |
| Average equity | $24,568,000 | 2,623 |
| Average total loans | $79,289,750 | 4,198 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 1,700 |
| Cost of funding earning assets | 0.7042% | 5,935 |
| Net interest margin | 4.6533% | 810 |
| Noninterest income to average assets | 1.2573% | 799 |
| Noninterest expense to average assets | 3.4178% | 2,213 |
| Loan and lease loss provision to assets | 0.2108% | 3,803 |
| Net operating income to assets | 1.5805% | 758 |
| Return on assets (ROA) | 1.8207% | 511 |
| Pretax return on assets | 1.9280% | 667 |
| Return on Equity (ROE) | 11.7860% | 1,560 |
| Retained earnings to average equity (ytd only) | 5.2106% | 2,867 |
| Net charge-offs to loans | 0.3133% | 3,305 |
| Credit loss provision to net charge-offs | 132.0000% | 2,311 |
| Earnings coverage of net charge-offs (x) | 11.7920% | 1,673 |
| Efficiency ratio | 64.4734% | 5,150 |
| Assets per employee ($millions) | 3.4564% | 5,065 |
| Cash dividends to net income (ytd only)* | 55.7895% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 3,433 |
| Loan loss allowance to noncurrent loans | 42.8063% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 4.2118% | 1,505 |
| Noncurrent loans to loans | 3.8929% | 1,785 |
| Net loans and leases to total assets | 48.0936% | 6,039 |
| Net loans and leases to deposits | 64.8139% | 5,175 |
| Net loans and leases to core deposits | 68.5195% | 5,235 |
| Total domestic deposits to total assets | 74.2025% | 6,816 |
| Equity capital to assets | 15.7008% | 659 |
| Core capital (leverage) ratio | 15.4422% | 594 |
| Tier 1 risk-based capital ratio | 24.8068% | 921 |
| Total risk-based capital ratio | 26.0577% | 905 |
| Memoranda: | ||
| Average total assets | $156,531,330 | 3,742 |
| Average earning assets | $136,031,330 | 3,858 |
| Average equity | $24,181,330 | 2,639 |
| Average total loans | $79,789,330 | 4,224 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3761% | 1,655 |
| Cost of funding earning assets | 0.7182% | 6,034 |
| Net interest margin | 4.6579% | 769 |
| Noninterest income to average assets | 1.2685% | 791 |
| Noninterest expense to average assets | 3.5111% | 1,976 |
| Loan and lease loss provision to assets | 0.2344% | 3,309 |
| Net operating income to assets | 1.4552% | 976 |
| Return on assets (ROA) | 1.5133% | 891 |
| Pretax return on assets | 1.6227% | 1,138 |
| Return on Equity (ROE) | 9.8814% | 2,137 |
| Retained earnings to average equity (ytd only) | -1.5477% | 6,080 |
| Net charge-offs to loans | 0.0100% | 4,957 |
| Credit loss provision to net charge-offs | 4,500.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 344.5000% | 85 |
| Efficiency ratio | 66.1757% | 5,005 |
| Assets per employee ($millions) | 3.3921% | 5,269 |
| Cash dividends to net income (ytd only)* | 115.6627% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 3,256 |
| Loan loss allowance to noncurrent loans | 57.1905% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 3.7057% | 1,826 |
| Noncurrent loans to loans | 3.0165% | 2,494 |
| Net loans and leases to total assets | 49.0237% | 5,958 |
| Net loans and leases to deposits | 65.3643% | 5,069 |
| Net loans and leases to core deposits | 67.3445% | 5,379 |
| Total domestic deposits to total assets | 75.0008% | 6,793 |
| Equity capital to assets | 14.8191% | 806 |
| Core capital (leverage) ratio | 15.6265% | 561 |
| Tier 1 risk-based capital ratio | 23.6120% | 1,010 |
| Total risk-based capital ratio | 24.8631% | 993 |
| Memoranda: | ||
| Average total assets | $153,572,000 | 3,817 |
| Average earning assets | $133,106,500 | 3,953 |
| Average equity | $23,519,000 | 2,688 |
| Average total loans | $79,958,000 | 4,256 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6298% | 1,798 |
| Cost of funding earning assets | 0.8090% | 6,530 |
| Net interest margin | 4.8208% | 646 |
| Noninterest income to average assets | 1.6009% | 566 |
| Noninterest expense to average assets | 3.8518% | 1,385 |
| Loan and lease loss provision to assets | 0.3008% | 4,401 |
| Net operating income to assets | 1.4990% | 765 |
| Return on assets (ROA) | 1.5524% | 745 |
| Pretax return on assets | 1.6515% | 1,034 |
| Return on Equity (ROE) | 9.3505% | 2,161 |
| Retained earnings to average equity (ytd only) | 2.0834% | 4,423 |
| Net charge-offs to loans | 1.3029% | 1,713 |
| Credit loss provision to net charge-offs | 40.5904% | 6,380 |
| Earnings coverage of net charge-offs (x) | 2.5581% | 3,832 |
| Efficiency ratio | 67.0195% | 4,761 |
| Assets per employee ($millions) | 3.0146% | 6,071 |
| Cash dividends to net income (ytd only)* | 77.7191% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,580 |
| Loan loss allowance to noncurrent loans | 58.2842% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 4.2007% | 1,594 |
| Noncurrent loans to loans | 2.7405% | 2,778 |
| Net loans and leases to total assets | 53.5504% | 5,695 |
| Net loans and leases to deposits | 73.2162% | 4,327 |
| Net loans and leases to core deposits | 75.4632% | 4,793 |
| Total domestic deposits to total assets | 73.1402% | 6,987 |
| Equity capital to assets | 15.8494% | 608 |
| Core capital (leverage) ratio | 16.0417% | 506 |
| Tier 1 risk-based capital ratio | 24.1677% | 919 |
| Total risk-based capital ratio | 25.4176% | 901 |
| Memoranda: | ||
| Average total assets | $146,294,000 | 3,941 |
| Average earning assets | $125,829,400 | 4,106 |
| Average equity | $24,287,400 | 2,631 |
| Average total loans | $83,199,800 | 4,236 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6682% | 1,821 |
| Cost of funding earning assets | 0.8126% | 6,719 |
| Net interest margin | 4.8555% | 600 |
| Noninterest income to average assets | 1.5577% | 575 |
| Noninterest expense to average assets | 3.8600% | 1,262 |
| Loan and lease loss provision to assets | 0.3243% | 3,991 |
| Net operating income to assets | 1.4380% | 1,044 |
| Return on assets (ROA) | 1.5093% | 987 |
| Pretax return on assets | 1.6034% | 1,339 |
| Return on Equity (ROE) | 8.9880% | 2,494 |
| Retained earnings to average equity (ytd only) | 2.1872% | 4,859 |
| Net charge-offs to loans | 0.9328% | 2,127 |
| Credit loss provision to net charge-offs | 60.4770% | 5,677 |
| Earnings coverage of net charge-offs (x) | 3.4531% | 3,442 |
| Efficiency ratio | 67.5784% | 4,547 |
| Assets per employee ($millions) | 3.0811% | 5,964 |
| Cash dividends to net income (ytd only)* | 75.6661% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1103% | 1,977 |
| Loan loss allowance to noncurrent loans | 51.7547% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 4.8538% | 1,345 |
| Noncurrent loans to loans | 4.0775% | 1,826 |
| Net loans and leases to total assets | 52.1086% | 6,086 |
| Net loans and leases to deposits | 71.8831% | 4,861 |
| Net loans and leases to core deposits | 74.2333% | 5,265 |
| Total domestic deposits to total assets | 72.4908% | 7,085 |
| Equity capital to assets | 16.7617% | 548 |
| Core capital (leverage) ratio | 16.4921% | 491 |
| Tier 1 risk-based capital ratio | 24.3799% | 905 |
| Total risk-based capital ratio | 25.6356% | 889 |
| Memoranda: | ||
| Average total assets | $145,938,750 | 4,004 |
| Average earning assets | $124,858,250 | 4,190 |
| Average equity | $24,506,250 | 2,651 |
| Average total loans | $83,903,250 | 4,289 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6041% | 2,127 |
| Cost of funding earning assets | 0.8020% | 6,914 |
| Net interest margin | 4.8021% | 659 |
| Noninterest income to average assets | 1.5209% | 557 |
| Noninterest expense to average assets | 3.8223% | 1,326 |
| Loan and lease loss provision to assets | 0.3535% | 3,600 |
| Net operating income to assets | 1.3662% | 1,158 |
| Return on assets (ROA) | 1.4405% | 1,082 |
| Pretax return on assets | 1.5250% | 1,490 |
| Return on Equity (ROE) | 8.5727% | 2,637 |
| Retained earnings to average equity (ytd only) | 2.9291% | 4,268 |
| Net charge-offs to loans | 1.1518% | 1,651 |
| Credit loss provision to net charge-offs | 52.0408% | 5,373 |
| Earnings coverage of net charge-offs (x) | 2.6490% | 3,674 |
| Efficiency ratio | 67.9901% | 4,583 |
| Assets per employee ($millions) | 2.8696% | 6,414 |
| Cash dividends to net income (ytd only)* | 65.8325% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0625% | 2,045 |
| Loan loss allowance to noncurrent loans | 32.9185% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 6.1305% | 946 |
| Noncurrent loans to loans | 6.2655% | 984 |
| Net loans and leases to total assets | 54.9313% | 5,853 |
| Net loans and leases to deposits | 76.4103% | 4,257 |
| Net loans and leases to core deposits | 79.0117% | 4,802 |
| Total domestic deposits to total assets | 71.8900% | 7,190 |
| Equity capital to assets | 17.1097% | 512 |
| Core capital (leverage) ratio | 16.5163% | 495 |
| Tier 1 risk-based capital ratio | 24.1502% | 929 |
| Total risk-based capital ratio | 25.4059% | 909 |
| Memoranda: | ||
| Average total assets | $144,260,000 | 4,055 |
| Average earning assets | $123,196,330 | 4,247 |
| Average equity | $24,239,670 | 2,668 |
| Average total loans | $85,082,000 | 4,291 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5494% | 2,364 |
| Cost of funding earning assets | 0.8179% | 7,033 |
| Net interest margin | 4.7315% | 729 |
| Noninterest income to average assets | 1.4970% | 535 |
| Noninterest expense to average assets | 3.6924% | 1,535 |
| Loan and lease loss provision to assets | 0.2374% | 4,148 |
| Net operating income to assets | 1.5138% | 874 |
| Return on assets (ROA) | 1.5138% | 938 |
| Pretax return on assets | 1.6227% | 1,215 |
| Return on Equity (ROE) | 9.0942% | 2,460 |
| Retained earnings to average equity (ytd only) | -2.3826% | 6,273 |
| Net charge-offs to loans | 0.6699% | 2,153 |
| Credit loss provision to net charge-offs | 58.6207% | 4,327 |
| Earnings coverage of net charge-offs (x) | 4.5931% | 2,597 |
| Efficiency ratio | 66.4990% | 5,010 |
| Assets per employee ($millions) | 2.8320% | 6,572 |
| Cash dividends to net income (ytd only)* | 126.1993% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1752% | 1,804 |
| Loan loss allowance to noncurrent loans | 45.7283% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 5.6289% | 1,089 |
| Noncurrent loans to loans | 4.7567% | 1,550 |
| Net loans and leases to total assets | 58.1657% | 5,404 |
| Net loans and leases to deposits | 80.5760% | 3,537 |
| Net loans and leases to core deposits | 82.8143% | 4,381 |
| Total domestic deposits to total assets | 72.1873% | 7,246 |
| Equity capital to assets | 16.6083% | 583 |
| Core capital (leverage) ratio | 16.2332% | 545 |
| Tier 1 risk-based capital ratio | 23.1174% | 1,052 |
| Total risk-based capital ratio | 24.3638% | 1,036 |
| Memoranda: | ||
| Average total assets | $143,215,000 | 4,137 |
| Average earning assets | $122,751,500 | 4,310 |
| Average equity | $23,839,500 | 2,732 |
| Average total loans | $86,580,500 | 4,303 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4041% | 4,682 |
| Cost of funding earning assets | 0.8652% | 7,459 |
| Net interest margin | 4.5388% | 1,099 |
| Noninterest income to average assets | 1.4043% | 742 |
| Noninterest expense to average assets | 3.7195% | 1,864 |
| Loan and lease loss provision to assets | 0.7458% | 2,875 |
| Net operating income to assets | 0.8506% | 2,345 |
| Return on assets (ROA) | 1.4942% | 733 |
| Pretax return on assets | 1.5962% | 977 |
| Return on Equity (ROE) | 9.5944% | 1,820 |
| Retained earnings to average equity (ytd only) | 2.4968% | 3,396 |
| Net charge-offs to loans | 0.3734% | 4,344 |
| Credit loss provision to net charge-offs | 351.3514% | 923 |
| Earnings coverage of net charge-offs (x) | 7.8078% | 2,063 |
| Efficiency ratio | 69.1761% | 4,792 |
| Assets per employee ($millions) | 3.2272% | 5,660 |
| Cash dividends to net income (ytd only)* | 73.9761% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2089% | 1,634 |
| Loan loss allowance to noncurrent loans | 47.5580% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 5.3755% | 1,095 |
| Noncurrent loans to loans | 4.6447% | 1,515 |
| Net loans and leases to total assets | 60.1101% | 5,318 |
| Net loans and leases to deposits | 83.5788% | 3,350 |
| Net loans and leases to core deposits | 91.1765% | 4,992 |
| Total domestic deposits to total assets | 71.9203% | 7,250 |
| Equity capital to assets | 16.6843% | 591 |
| Core capital (leverage) ratio | 15.9769% | 621 |
| Tier 1 risk-based capital ratio | 23.0882% | 1,035 |
| Total risk-based capital ratio | 24.3453% | 1,015 |
| Memoranda: | ||
| Average total assets | $156,875,000 | 3,836 |
| Average earning assets | $137,304,000 | 3,952 |
| Average equity | $24,430,800 | 2,667 |
| Average total loans | $89,185,200 | 4,233 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 5,294 |
| Cost of funding earning assets | 0.8677% | 7,606 |
| Net interest margin | 4.4596% | 1,296 |
| Noninterest income to average assets | 1.3549% | 824 |
| Noninterest expense to average assets | 3.1582% | 3,440 |
| Loan and lease loss provision to assets | 0.4566% | 3,626 |
| Net operating income to assets | 1.5584% | 725 |
| Return on assets (ROA) | 2.1320% | 240 |
| Pretax return on assets | 2.2715% | 303 |
| Return on Equity (ROE) | 13.9094% | 954 |
| Retained earnings to average equity (ytd only) | 4.5228% | 2,742 |
| Net charge-offs to loans | 0.2959% | 4,175 |
| Credit loss provision to net charge-offs | 276.3819% | 1,525 |
| Earnings coverage of net charge-offs (x) | 12.8189% | 1,724 |
| Efficiency ratio | 59.8584% | 6,433 |
| Assets per employee ($millions) | 3.3835% | 5,196 |
| Cash dividends to net income (ytd only)* | 67.4845% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 2,877 |
| Loan loss allowance to noncurrent loans | 31.0308% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 5.5906% | 1,013 |
| Noncurrent loans to loans | 5.2535% | 1,219 |
| Net loans and leases to total assets | 58.4474% | 5,818 |
| Net loans and leases to deposits | 80.9634% | 4,205 |
| Net loans and leases to core deposits | 90.4116% | 5,395 |
| Total domestic deposits to total assets | 72.1899% | 7,185 |
| Equity capital to assets | 16.7914% | 662 |
| Core capital (leverage) ratio | 15.6919% | 730 |
| Tier 1 risk-based capital ratio | 23.1396% | 1,093 |
| Total risk-based capital ratio | 24.3914% | 1,064 |
| Memoranda: | ||
| Average total assets | $160,594,750 | 3,783 |
| Average earning assets | $141,206,000 | 3,904 |
| Average equity | $24,615,750 | 2,675 |
| Average total loans | $89,661,000 | 4,258 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3365% | 5,464 |
| Cost of funding earning assets | 0.8791% | 7,718 |
| Net interest margin | 4.4574% | 1,269 |
| Noninterest income to average assets | 1.2863% | 923 |
| Noninterest expense to average assets | 2.9605% | 4,251 |
| Loan and lease loss provision to assets | 0.4985% | 3,046 |
| Net operating income to assets | 1.6718% | 594 |
| Return on assets (ROA) | 2.5118% | 122 |
| Pretax return on assets | 2.6602% | 160 |
| Return on Equity (ROE) | 16.8733% | 596 |
| Retained earnings to average equity (ytd only) | 8.3142% | 1,118 |
| Net charge-offs to loans | 0.4264% | 3,096 |
| Credit loss provision to net charge-offs | 213.5417% | 2,154 |
| Earnings coverage of net charge-offs (x) | 9.7031% | 2,086 |
| Efficiency ratio | 56.6543% | 7,031 |
| Assets per employee ($millions) | 3.4563% | 4,933 |
| Cash dividends to net income (ytd only)* | 50.7260% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 3,374 |
| Loan loss allowance to noncurrent loans | 107.2951% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 3.0650% | 2,063 |
| Noncurrent loans to loans | 1.3670% | 4,478 |
| Net loans and leases to total assets | 55.3088% | 6,296 |
| Net loans and leases to deposits | 84.5319% | 3,788 |
| Net loans and leases to core deposits | 90.1510% | 5,522 |
| Total domestic deposits to total assets | 65.4295% | 7,770 |
| Equity capital to assets | 15.1405% | 1,000 |
| Core capital (leverage) ratio | 14.1171% | 1,109 |
| Tier 1 risk-based capital ratio | 22.8024% | 1,160 |
| Total risk-based capital ratio | 24.0343% | 1,126 |
| Memoranda: | ||
| Average total assets | $164,501,670 | 3,727 |
| Average earning assets | $145,375,330 | 3,835 |
| Average equity | $24,488,330 | 2,690 |
| Average total loans | $90,063,000 | 4,276 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3275% | 5,770 |
| Cost of funding earning assets | 0.9132% | 7,797 |
| Net interest margin | 4.4143% | 1,315 |
| Noninterest income to average assets | 1.2173% | 974 |
| Noninterest expense to average assets | 3.1377% | 3,240 |
| Loan and lease loss provision to assets | 0.1435% | 5,108 |
| Net operating income to assets | 1.7095% | 634 |
| Return on assets (ROA) | 2.4657% | 173 |
| Pretax return on assets | 2.6450% | 196 |
| Return on Equity (ROE) | 16.6987% | 725 |
| Retained earnings to average equity (ytd only) | 7.8878% | 1,856 |
| Net charge-offs to loans | 0.5261% | 2,141 |
| Credit loss provision to net charge-offs | 50.4202% | 4,670 |
| Earnings coverage of net charge-offs (x) | 6.9412% | 2,412 |
| Efficiency ratio | 61.3658% | 6,185 |
| Assets per employee ($millions) | 3.5041% | 4,814 |
| Cash dividends to net income (ytd only)* | 52.7643% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,220 |
| Loan loss allowance to noncurrent loans | 258.0000% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 2.4938% | 2,303 |
| Noncurrent loans to loans | 0.4402% | 6,323 |
| Net loans and leases to total assets | 54.5482% | 6,405 |
| Net loans and leases to deposits | 82.5099% | 4,204 |
| Net loans and leases to core deposits | 95.4697% | 5,023 |
| Total domestic deposits to total assets | 66.1111% | 7,725 |
| Equity capital to assets | 14.8023% | 1,162 |
| Core capital (leverage) ratio | 14.2991% | 1,131 |
| Tier 1 risk-based capital ratio | 21.9526% | 1,304 |
| Total risk-based capital ratio | 22.9087% | 1,313 |
| Memoranda: | ||
| Average total assets | $167,257,000 | 3,705 |
| Average earning assets | $147,610,500 | 3,797 |
| Average equity | $24,696,500 | 2,683 |
| Average total loans | $90,472,000 | 4,295 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1584% | 4,738 |
| Cost of funding earning assets | 1.7199% | 7,216 |
| Net interest margin | 4.4385% | 1,567 |
| Noninterest income to average assets | 1.4565% | 668 |
| Noninterest expense to average assets | 2.9964% | 4,091 |
| Loan and lease loss provision to assets | 0.2128% | 4,763 |
| Net operating income to assets | 2.1084% | 287 |
| Return on assets (ROA) | 2.2733% | 201 |
| Pretax return on assets | 2.4235% | 234 |
| Return on Equity (ROE) | 17.4460% | 579 |
| Retained earnings to average equity (ytd only) | 9.6942% | 495 |
| Net charge-offs to loans | 0.3626% | 3,022 |
| Credit loss provision to net charge-offs | 112.1212% | 4,812 |
| Earnings coverage of net charge-offs (x) | 12.9636% | 2,188 |
| Efficiency ratio | 54.9067% | 7,162 |
| Assets per employee ($millions) | 4.3544% | 2,872 |
| Cash dividends to net income (ytd only)* | 44.4332% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 4,448 |
| Loan loss allowance to noncurrent loans | 52.0515% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.3831% | 2,039 |
| Noncurrent loans to loans | 2.3269% | 2,374 |
| Net loans and leases to total assets | 52.3987% | 6,811 |
| Net loans and leases to deposits | 78.3015% | 5,292 |
| Net loans and leases to core deposits | 90.4420% | 5,763 |
| Total domestic deposits to total assets | 66.9191% | 7,585 |
| Equity capital to assets | 14.7300% | 1,241 |
| Core capital (leverage) ratio | 13.6451% | 1,347 |
| Tier 1 risk-based capital ratio | 21.8425% | 1,333 |
| Total risk-based capital ratio | 22.8696% | 1,332 |
| Memoranda: | ||
| Average total assets | $173,840,600 | 3,494 |
| Average earning assets | $156,697,600 | 3,536 |
| Average equity | $22,652,800 | 2,888 |
| Average total loans | $91,017,600 | 4,195 |