Home > Taylor County Bank > Performance and Condition Ratios
Taylor County 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 | 5.3542% | 1,390 |
| Cost of funding earning assets | 1.1635% | 2,897 |
| Net interest margin | 4.1907% | 950 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.6474% | 1,880 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.9278% | 515 |
| Return on assets (ROA) | 1.9052% | 506 |
| Pretax return on assets | 1.9052% | 766 |
| Return on Equity (ROE) | 22.5500% | 424 |
| Retained earnings to average equity (ytd only) | 6.7595% | 1,968 |
| Net charge-offs to loans | 0.0407% | 1,498 |
| Credit loss provision to net charge-offs | 317.2414% | 919 |
| Earnings coverage of net charge-offs (x) | 76.7931% | 1,050 |
| Efficiency ratio | 56.8327% | 3,416 |
| Assets per employee ($millions) | 4.7523% | 3,802 |
| Cash dividends to net income (ytd only)* | 70.0237% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 3,679 |
| Loan loss allowance to noncurrent loans | 346.7363% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,424 |
| Noncurrent loans to loans | 0.2625% | 2,245 |
| Net loans and leases to total assets | 63.3800% | 2,526 |
| Net loans and leases to deposits | 69.8802% | 2,894 |
| Net loans and leases to core deposits | 74.3082% | 3,061 |
| Total domestic deposits to total assets | 90.7000% | 580 |
| Equity capital to assets | 8.5862% | 2,986 |
| Core capital (leverage) ratio | 12.1588% | 1,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $221,499,200 | 2,840 |
| Average earning assets | $210,751,800 | 2,801 |
| Average equity | $18,714,400 | 2,964 |
| Average total loans | $142,443,200 | 2,739 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2826% | 1,309 |
| Cost of funding earning assets | 1.0579% | 2,869 |
| Net interest margin | 4.2246% | 887 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.7267% | 1,590 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.7545% | 719 |
| Return on assets (ROA) | 1.7242% | 750 |
| Pretax return on assets | 1.7242% | 1,127 |
| Return on Equity (ROE) | 20.4900% | 677 |
| Retained earnings to average equity (ytd only) | 8.4554% | 1,824 |
| Net charge-offs to loans | 0.0348% | 1,394 |
| Credit loss provision to net charge-offs | 732.4324% | 497 |
| Earnings coverage of net charge-offs (x) | 85.5135% | 1,006 |
| Efficiency ratio | 58.6945% | 3,121 |
| Assets per employee ($millions) | 4.5069% | 3,937 |
| Cash dividends to net income (ytd only)* | 58.7408% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,401 |
| Loan loss allowance to noncurrent loans | 543.9394% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,771 |
| Noncurrent loans to loans | 0.1830% | 2,628 |
| Net loans and leases to total assets | 64.6800% | 2,370 |
| Net loans and leases to deposits | 70.4624% | 2,811 |
| Net loans and leases to core deposits | 75.0306% | 2,927 |
| Total domestic deposits to total assets | 91.7900% | 497 |
| Equity capital to assets | 7.6668% | 3,264 |
| Core capital (leverage) ratio | 12.2334% | 1,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $219,846,250 | 2,859 |
| Average earning assets | $208,959,500 | 2,822 |
| Average equity | $18,496,500 | 2,967 |
| Average total loans | $141,577,000 | 2,758 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1143% | 1,344 |
| Cost of funding earning assets | 0.8941% | 2,943 |
| Net interest margin | 4.2201% | 907 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.6586% | 1,756 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.7338% | 736 |
| Return on assets (ROA) | 1.6883% | 804 |
| Pretax return on assets | 1.6883% | 1,238 |
| Return on Equity (ROE) | 19.4900% | 766 |
| Retained earnings to average equity (ytd only) | 7.0774% | 2,257 |
| Net charge-offs to loans | 0.0427% | 1,082 |
| Credit loss provision to net charge-offs | 923.3333% | 434 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 1,101 |
| Efficiency ratio | 57.2381% | 3,277 |
| Assets per employee ($millions) | 4.9153% | 3,662 |
| Cash dividends to net income (ytd only)* | 63.6805% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,302 |
| Loan loss allowance to noncurrent loans | 313.6364% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 2,153 |
| Noncurrent loans to loans | 0.3278% | 1,956 |
| Net loans and leases to total assets | 63.0700% | 2,476 |
| Net loans and leases to deposits | 69.0897% | 2,849 |
| Net loans and leases to core deposits | 73.4902% | 2,926 |
| Total domestic deposits to total assets | 91.2900% | 561 |
| Equity capital to assets | 8.3241% | 3,004 |
| Core capital (leverage) ratio | 12.1124% | 1,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $219,516,333 | 2,874 |
| Average earning assets | $209,140,667 | 2,830 |
| Average equity | $19,018,333 | 2,948 |
| Average total loans | $140,679,000 | 2,764 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9371% | 1,353 |
| Cost of funding earning assets | 0.7373% | 2,939 |
| Net interest margin | 4.1998% | 947 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.6761% | 1,735 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.9060% | 566 |
| Return on assets (ROA) | 1.8145% | 642 |
| Pretax return on assets | 1.8145% | 1,046 |
| Return on Equity (ROE) | 20.5400% | 703 |
| Retained earnings to average equity (ytd only) | 20.5367% | 347 |
| Net charge-offs to loans | 0.0797% | 672 |
| Credit loss provision to net charge-offs | 89.2857% | 1,179 |
| Earnings coverage of net charge-offs (x) | 38.1071% | 1,208 |
| Efficiency ratio | 57.8261% | 3,210 |
| Assets per employee ($millions) | 4.9190% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 3,971 |
| Loan loss allowance to noncurrent loans | 247.7273% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,040 |
| Noncurrent loans to loans | 0.3454% | 1,909 |
| Net loans and leases to total assets | 62.7600% | 2,381 |
| Net loans and leases to deposits | 69.8237% | 2,627 |
| Net loans and leases to core deposits | 72.9328% | 2,750 |
| Total domestic deposits to total assets | 89.8900% | 1,195 |
| Equity capital to assets | 9.0204% | 2,503 |
| Core capital (leverage) ratio | 12.4473% | 1,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $218,680,000 | 2,917 |
| Average earning assets | $208,869,500 | 2,869 |
| Average equity | $19,321,500 | 2,951 |
| Average total loans | $140,540,000 | 2,792 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 873 |
| Cost of funding earning assets | 0.3556% | 2,434 |
| Net interest margin | 4.0509% | 727 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.6694% | 1,628 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.7876% | 454 |
| Return on assets (ROA) | 1.7876% | 436 |
| Pretax return on assets | 1.7876% | 761 |
| Return on Equity (ROE) | 16.1600% | 1,027 |
| Retained earnings to average equity (ytd only) | 4.8470% | 3,117 |
| Net charge-offs to loans | 0.0202% | 1,686 |
| Credit loss provision to net charge-offs | 377.7778% | 798 |
| Earnings coverage of net charge-offs (x) | 151.9259% | 785 |
| Efficiency ratio | 59.2854% | 3,154 |
| Assets per employee ($millions) | 4.1540% | 4,223 |
| Cash dividends to net income (ytd only)* | 70.0000% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 4,265 |
| Loan loss allowance to noncurrent loans | 111.2827% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 1,311 |
| Noncurrent loans to loans | 0.5974% | 1,257 |
| Net loans and leases to total assets | 64.8200% | 2,164 |
| Net loans and leases to deposits | 71.9021% | 2,415 |
| Net loans and leases to core deposits | 74.6834% | 2,524 |
| Total domestic deposits to total assets | 90.1500% | 1,294 |
| Equity capital to assets | 8.6460% | 2,598 |
| Core capital (leverage) ratio | 11.6097% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $223,759,600 | 2,882 |
| Average earning assets | $213,456,400 | 2,842 |
| Average equity | $24,757,400 | 2,597 |
| Average total loans | $133,435,800 | 2,793 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 981 |
| Cost of funding earning assets | 0.3186% | 1,976 |
| Net interest margin | 3.8281% | 907 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.5692% | 1,797 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.6393% | 607 |
| Return on assets (ROA) | 1.6393% | 592 |
| Pretax return on assets | 1.6393% | 1,029 |
| Return on Equity (ROE) | 14.0800% | 1,410 |
| Retained earnings to average equity (ytd only) | 5.2261% | 3,010 |
| Net charge-offs to loans | 0.0274% | 1,278 |
| Credit loss provision to net charge-offs | 392.5926% | 714 |
| Earnings coverage of net charge-offs (x) | 106.7037% | 919 |
| Efficiency ratio | 60.1521% | 3,095 |
| Assets per employee ($millions) | 4.7612% | 3,866 |
| Cash dividends to net income (ytd only)* | 62.8829% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 4,189 |
| Loan loss allowance to noncurrent loans | 164.6870% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 1,856 |
| Noncurrent loans to loans | 0.4536% | 1,676 |
| Net loans and leases to total assets | 59.6500% | 2,540 |
| Net loans and leases to deposits | 66.9889% | 2,633 |
| Net loans and leases to core deposits | 69.1028% | 2,715 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 9.8771% | 1,677 |
| Core capital (leverage) ratio | 13.2978% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $225,697,750 | 2,887 |
| Average earning assets | $215,071,500 | 2,845 |
| Average equity | $26,277,750 | 2,554 |
| Average total loans | $131,556,750 | 2,813 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 995 |
| Cost of funding earning assets | 0.3111% | 1,609 |
| Net interest margin | 3.6542% | 988 |
| Noninterest income to average assets | 0.6176% | 1,665 |
| Noninterest expense to average assets | 2.5584% | 1,756 |
| Loan and lease loss provision to assets | -0.0472% | 4,510 |
| Net operating income to assets | 1.5875% | 564 |
| Return on assets (ROA) | 1.5875% | 555 |
| Pretax return on assets | 1.5875% | 969 |
| Return on Equity (ROE) | 12.9686% | 1,386 |
| Retained earnings to average equity (ytd only) | 5.4811% | 2,524 |
| Net charge-offs to loans | 0.0154% | 1,446 |
| Credit loss provision to net charge-offs | -530.0000% | 3,394 |
| Earnings coverage of net charge-offs (x) | 173.1000% | 587 |
| Efficiency ratio | 62.4186% | 2,992 |
| Assets per employee ($millions) | 4.8358% | 3,825 |
| Cash dividends to net income (ytd only)* | 57.7354% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 4,359 |
| Loan loss allowance to noncurrent loans | 174.0157% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 2,178 |
| Noncurrent loans to loans | 0.3922% | 1,958 |
| Net loans and leases to total assets | 57.8257% | 2,551 |
| Net loans and leases to deposits | 65.8100% | 2,559 |
| Net loans and leases to core deposits | 67.9767% | 2,657 |
| Total domestic deposits to total assets | 87.8676% | 2,626 |
| Equity capital to assets | 11.0665% | 1,180 |
| Core capital (leverage) ratio | 13.6685% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,750,667 | 2,914 |
| Average earning assets | $214,111,333 | 2,886 |
| Average equity | $27,512,667 | 2,551 |
| Average total loans | $129,628,000 | 2,848 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 1,053 |
| Cost of funding earning assets | 0.3122% | 1,539 |
| Net interest margin | 3.5068% | 1,082 |
| Noninterest income to average assets | 0.6215% | 1,601 |
| Noninterest expense to average assets | 2.4825% | 1,923 |
| Loan and lease loss provision to assets | -0.1700% | 4,667 |
| Net operating income to assets | 1.6503% | 456 |
| Return on assets (ROA) | 1.6503% | 458 |
| Pretax return on assets | 1.6503% | 757 |
| Return on Equity (ROE) | 12.8727% | 1,070 |
| Retained earnings to average equity (ytd only) | 12.8727% | 481 |
| Net charge-offs to loans | 0.0093% | 1,412 |
| Credit loss provision to net charge-offs | -3,200.0000% | 3,463 |
| Earnings coverage of net charge-offs (x) | 278.6667% | 337 |
| Efficiency ratio | 62.6452% | 3,185 |
| Assets per employee ($millions) | 5.4221% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 4,454 |
| Loan loss allowance to noncurrent loans | 150.2655% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 2,152 |
| Noncurrent loans to loans | 0.4361% | 1,937 |
| Net loans and leases to total assets | 56.5122% | 2,480 |
| Net loans and leases to deposits | 65.1529% | 2,415 |
| Net loans and leases to core deposits | 67.2716% | 2,513 |
| Total domestic deposits to total assets | 86.7377% | 3,024 |
| Equity capital to assets | 12.1939% | 889 |
| Core capital (leverage) ratio | 13.4375% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,903,000 | 2,923 |
| Average earning assets | $215,236,500 | 2,894 |
| Average equity | $28,960,500 | 2,537 |
| Average total loans | $129,684,500 | 2,851 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 1,186 |
| Cost of funding earning assets | 0.3671% | 1,790 |
| Net interest margin | 3.7204% | 1,168 |
| Noninterest income to average assets | 0.6834% | 1,821 |
| Noninterest expense to average assets | 2.4675% | 2,289 |
| Loan and lease loss provision to assets | -0.0247% | 4,247 |
| Net operating income to assets | 1.7640% | 549 |
| Return on assets (ROA) | 1.7640% | 577 |
| Pretax return on assets | 1.7640% | 990 |
| Return on Equity (ROE) | 12.7474% | 1,549 |
| Retained earnings to average equity (ytd only) | 4.4853% | 3,011 |
| Net charge-offs to loans | 0.0361% | 1,528 |
| Credit loss provision to net charge-offs | -114.8936% | 3,390 |
| Earnings coverage of net charge-offs (x) | 80.7872% | 992 |
| Efficiency ratio | 58.6564% | 3,334 |
| Assets per employee ($millions) | 4.9795% | 3,752 |
| Cash dividends to net income (ytd only)* | 64.8143% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 4,377 |
| Loan loss allowance to noncurrent loans | 162.9948% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 2,078 |
| Noncurrent loans to loans | 0.4475% | 2,015 |
| Net loans and leases to total assets | 57.5152% | 2,424 |
| Net loans and leases to deposits | 67.4205% | 2,362 |
| Net loans and leases to core deposits | 69.6824% | 2,483 |
| Total domestic deposits to total assets | 85.3082% | 3,171 |
| Equity capital to assets | 13.4560% | 779 |
| Core capital (leverage) ratio | 13.2342% | 744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,315,200 | 2,920 |
| Average earning assets | $206,750,600 | 2,904 |
| Average equity | $30,210,000 | 2,518 |
| Average total loans | $130,359,400 | 2,850 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 1,193 |
| Cost of funding earning assets | 0.3779% | 1,868 |
| Net interest margin | 3.7680% | 1,188 |
| Noninterest income to average assets | 0.6965% | 1,830 |
| Noninterest expense to average assets | 2.4554% | 2,257 |
| Loan and lease loss provision to assets | 0.0493% | 2,011 |
| Net operating income to assets | 1.7534% | 738 |
| Return on assets (ROA) | 1.7534% | 770 |
| Pretax return on assets | 1.7534% | 1,270 |
| Return on Equity (ROE) | 12.5811% | 1,836 |
| Retained earnings to average equity (ytd only) | 5.2539% | 3,121 |
| Net charge-offs to loans | 0.0736% | 917 |
| Credit loss provision to net charge-offs | 111.1111% | 1,511 |
| Earnings coverage of net charge-offs (x) | 40.7222% | 1,357 |
| Efficiency ratio | 57.6668% | 3,324 |
| Assets per employee ($millions) | 5.0269% | 3,675 |
| Cash dividends to net income (ytd only)* | 58.2398% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 4,341 |
| Loan loss allowance to noncurrent loans | 181.7556% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 2,488 |
| Noncurrent loans to loans | 0.4428% | 2,235 |
| Net loans and leases to total assets | 57.5326% | 2,554 |
| Net loans and leases to deposits | 68.7619% | 2,360 |
| Net loans and leases to core deposits | 70.9871% | 2,513 |
| Total domestic deposits to total assets | 83.6692% | 3,550 |
| Equity capital to assets | 13.4450% | 871 |
| Core capital (leverage) ratio | 13.5340% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,874,500 | 2,960 |
| Average earning assets | $204,986,000 | 2,940 |
| Average equity | $30,224,500 | 2,548 |
| Average total loans | $130,492,750 | 2,885 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 1,010 |
| Cost of funding earning assets | 0.3888% | 1,980 |
| Net interest margin | 3.9109% | 952 |
| Noninterest income to average assets | 0.6952% | 1,827 |
| Noninterest expense to average assets | 2.5196% | 2,081 |
| Loan and lease loss provision to assets | 0.0402% | 2,199 |
| Net operating income to assets | 1.8151% | 693 |
| Return on assets (ROA) | 1.8151% | 728 |
| Pretax return on assets | 1.8151% | 1,196 |
| Return on Equity (ROE) | 12.8642% | 1,763 |
| Retained earnings to average equity (ytd only) | 5.3181% | 3,065 |
| Net charge-offs to loans | -0.0031% | 3,294 |
| Credit loss provision to net charge-offs | -2,150.0000% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5920% | 3,330 |
| Assets per employee ($millions) | 4.4179% | 4,171 |
| Cash dividends to net income (ytd only)* | 58.6598% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 4,338 |
| Loan loss allowance to noncurrent loans | 182.3333% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 2,538 |
| Noncurrent loans to loans | 0.4486% | 2,329 |
| Net loans and leases to total assets | 61.2725% | 2,270 |
| Net loans and leases to deposits | 73.9352% | 2,007 |
| Net loans and leases to core deposits | 76.6402% | 2,178 |
| Total domestic deposits to total assets | 82.8732% | 3,735 |
| Equity capital to assets | 13.9529% | 723 |
| Core capital (leverage) ratio | 13.6059% | 692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,762,333 | 2,986 |
| Average earning assets | $201,130,333 | 2,971 |
| Average equity | $30,161,333 | 2,538 |
| Average total loans | $130,256,667 | 2,900 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 955 |
| Cost of funding earning assets | 0.3992% | 2,102 |
| Net interest margin | 3.9600% | 897 |
| Noninterest income to average assets | 0.7269% | 1,780 |
| Noninterest expense to average assets | 2.5254% | 2,102 |
| Loan and lease loss provision to assets | -0.1243% | 4,748 |
| Net operating income to assets | 2.0433% | 540 |
| Return on assets (ROA) | 2.0433% | 581 |
| Pretax return on assets | 2.0433% | 886 |
| Return on Equity (ROE) | 14.3997% | 1,346 |
| Retained earnings to average equity (ytd only) | 14.3997% | 710 |
| Net charge-offs to loans | -0.0062% | 3,479 |
| Credit loss provision to net charge-offs | 3,300.0000% | 170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8220% | 3,450 |
| Assets per employee ($millions) | 4.3727% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 4,468 |
| Loan loss allowance to noncurrent loans | 157.6923% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 2,719 |
| Noncurrent loans to loans | 0.4843% | 2,401 |
| Net loans and leases to total assets | 58.4763% | 2,748 |
| Net loans and leases to deposits | 70.4348% | 2,467 |
| Net loans and leases to core deposits | 72.9765% | 2,615 |
| Total domestic deposits to total assets | 83.0219% | 3,680 |
| Equity capital to assets | 13.8935% | 691 |
| Core capital (leverage) ratio | 14.2516% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,404,000 | 2,990 |
| Average earning assets | $199,392,500 | 2,980 |
| Average equity | $30,139,500 | 2,531 |
| Average total loans | $128,517,000 | 2,919 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7019% | 890 |
| Cost of funding earning assets | 0.5164% | 2,837 |
| Net interest margin | 4.1855% | 658 |
| Noninterest income to average assets | 0.6394% | 2,067 |
| Noninterest expense to average assets | 2.7115% | 2,210 |
| Loan and lease loss provision to assets | 0.0770% | 3,416 |
| Net operating income to assets | 1.7601% | 423 |
| Return on assets (ROA) | 1.7703% | 445 |
| Pretax return on assets | 1.7703% | 732 |
| Return on Equity (ROE) | 11.9691% | 1,331 |
| Retained earnings to average equity (ytd only) | 4.1885% | 2,719 |
| Net charge-offs to loans | 0.1412% | 1,146 |
| Credit loss provision to net charge-offs | 82.0652% | 2,976 |
| Earnings coverage of net charge-offs (x) | 19.5815% | 1,973 |
| Efficiency ratio | 59.6122% | 3,504 |
| Assets per employee ($millions) | 4.1235% | 4,270 |
| Cash dividends to net income (ytd only)* | 65.0058% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 4,389 |
| Loan loss allowance to noncurrent loans | 134.1869% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 2,466 |
| Noncurrent loans to loans | 0.6092% | 2,177 |
| Net loans and leases to total assets | 61.6727% | 2,650 |
| Net loans and leases to deposits | 76.1569% | 2,264 |
| Net loans and leases to core deposits | 79.1432% | 2,438 |
| Total domestic deposits to total assets | 80.9811% | 3,871 |
| Equity capital to assets | 14.5038% | 679 |
| Core capital (leverage) ratio | 13.8744% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,129,000 | 2,972 |
| Average earning assets | $183,180,800 | 2,967 |
| Average equity | $29,008,000 | 2,534 |
| Average total loans | $130,284,600 | 2,864 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8223% | 852 |
| Cost of funding earning assets | 0.5356% | 3,019 |
| Net interest margin | 4.2866% | 603 |
| Noninterest income to average assets | 0.7768% | 1,581 |
| Noninterest expense to average assets | 2.7889% | 1,998 |
| Loan and lease loss provision to assets | 0.0826% | 3,282 |
| Net operating income to assets | 1.9116% | 363 |
| Return on assets (ROA) | 1.9254% | 385 |
| Pretax return on assets | 1.9254% | 599 |
| Return on Equity (ROE) | 12.9512% | 1,123 |
| Retained earnings to average equity (ytd only) | 5.4612% | 2,346 |
| Net charge-offs to loans | 0.1600% | 921 |
| Credit loss provision to net charge-offs | 76.4331% | 2,780 |
| Earnings coverage of net charge-offs (x) | 18.4459% | 1,960 |
| Efficiency ratio | 58.3069% | 3,625 |
| Assets per employee ($millions) | 4.1206% | 4,222 |
| Cash dividends to net income (ytd only)* | 57.8326% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 4,337 |
| Loan loss allowance to noncurrent loans | 109.3291% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 2,121 |
| Noncurrent loans to loans | 0.7427% | 1,951 |
| Net loans and leases to total assets | 61.8404% | 3,030 |
| Net loans and leases to deposits | 76.6940% | 2,686 |
| Net loans and leases to core deposits | 79.7485% | 2,866 |
| Total domestic deposits to total assets | 80.6326% | 3,745 |
| Equity capital to assets | 14.4958% | 731 |
| Core capital (leverage) ratio | 13.9089% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,617,750 | 2,974 |
| Average earning assets | $180,961,500 | 2,968 |
| Average equity | $28,784,250 | 2,543 |
| Average total loans | $130,805,500 | 2,861 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 767 |
| Cost of funding earning assets | 0.5552% | 3,208 |
| Net interest margin | 4.4890% | 516 |
| Noninterest income to average assets | 0.7093% | 1,704 |
| Noninterest expense to average assets | 2.8267% | 2,034 |
| Loan and lease loss provision to assets | 0.1868% | 2,158 |
| Net operating income to assets | 1.8862% | 410 |
| Return on assets (ROA) | 1.8862% | 456 |
| Pretax return on assets | 1.8862% | 684 |
| Return on Equity (ROE) | 12.5740% | 1,201 |
| Retained earnings to average equity (ytd only) | 6.0161% | 2,076 |
| Net charge-offs to loans | 0.1687% | 881 |
| Credit loss provision to net charge-offs | 159.4595% | 2,082 |
| Earnings coverage of net charge-offs (x) | 17.6937% | 1,807 |
| Efficiency ratio | 57.6907% | 3,733 |
| Assets per employee ($millions) | 3.9462% | 4,361 |
| Cash dividends to net income (ytd only)* | 52.1544% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8781% | 4,090 |
| Loan loss allowance to noncurrent loans | 125.4923% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 1,797 |
| Noncurrent loans to loans | 0.6997% | 2,127 |
| Net loans and leases to total assets | 64.3360% | 2,841 |
| Net loans and leases to deposits | 79.7546% | 2,452 |
| Net loans and leases to core deposits | 82.7042% | 2,725 |
| Total domestic deposits to total assets | 80.6674% | 3,689 |
| Equity capital to assets | 14.6530% | 691 |
| Core capital (leverage) ratio | 14.4003% | 675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,479,667 | 2,995 |
| Average earning assets | $176,877,667 | 2,987 |
| Average equity | $28,423,667 | 2,556 |
| Average total loans | $131,589,333 | 2,846 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2518% | 600 |
| Cost of funding earning assets | 0.5773% | 3,549 |
| Net interest margin | 4.6745% | 354 |
| Noninterest income to average assets | 0.7125% | 1,605 |
| Noninterest expense to average assets | 2.9043% | 2,112 |
| Loan and lease loss provision to assets | 0.4140% | 735 |
| Net operating income to assets | 1.7517% | 455 |
| Return on assets (ROA) | 1.7517% | 499 |
| Pretax return on assets | 1.7517% | 767 |
| Return on Equity (ROE) | 11.5308% | 1,253 |
| Retained earnings to average equity (ytd only) | 11.5308% | 477 |
| Net charge-offs to loans | 0.0969% | 1,104 |
| Credit loss provision to net charge-offs | 593.7500% | 797 |
| Earnings coverage of net charge-offs (x) | 31.0625% | 1,156 |
| Efficiency ratio | 57.2841% | 4,081 |
| Assets per employee ($millions) | 3.9514% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 3,992 |
| Loan loss allowance to noncurrent loans | 114.7222% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.8119% | 1,666 |
| Noncurrent loans to loans | 0.8136% | 1,977 |
| Net loans and leases to total assets | 69.3363% | 2,350 |
| Net loans and leases to deposits | 86.7662% | 1,904 |
| Net loans and leases to core deposits | 90.7584% | 2,273 |
| Total domestic deposits to total assets | 79.9116% | 3,878 |
| Equity capital to assets | 14.7168% | 830 |
| Core capital (leverage) ratio | 15.6775% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,591,500 | 3,014 |
| Average earning assets | $171,142,000 | 3,009 |
| Average equity | $27,890,500 | 2,584 |
| Average total loans | $132,070,500 | 2,811 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3762% | 703 |
| Cost of funding earning assets | 0.6128% | 3,585 |
| Net interest margin | 4.7634% | 417 |
| Noninterest income to average assets | 0.6843% | 1,866 |
| Noninterest expense to average assets | 2.9771% | 2,072 |
| Loan and lease loss provision to assets | 0.0673% | 2,669 |
| Net operating income to assets | 2.0743% | 289 |
| Return on assets (ROA) | 2.0803% | 297 |
| Pretax return on assets | 2.0803% | 501 |
| Return on Equity (ROE) | 14.1209% | 878 |
| Retained earnings to average equity (ytd only) | 4.9423% | 2,448 |
| Net charge-offs to loans | 0.0831% | 1,923 |
| Credit loss provision to net charge-offs | 116.0377% | 2,175 |
| Earnings coverage of net charge-offs (x) | 36.9057% | 1,386 |
| Efficiency ratio | 58.1604% | 3,939 |
| Assets per employee ($millions) | 3.7769% | 4,173 |
| Cash dividends to net income (ytd only)* | 65.0000% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 4,238 |
| Loan loss allowance to noncurrent loans | 85.0511% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 1,485 |
| Noncurrent loans to loans | 0.9673% | 1,582 |
| Net loans and leases to total assets | 73.4092% | 1,853 |
| Net loans and leases to deposits | 90.0916% | 1,580 |
| Net loans and leases to core deposits | 94.6265% | 2,009 |
| Total domestic deposits to total assets | 81.4828% | 3,652 |
| Equity capital to assets | 15.6989% | 656 |
| Core capital (leverage) ratio | 14.9983% | 690 |
| Tier 1 risk-based capital ratio | 20.8093% | 1,203 |
| Total risk-based capital ratio | 21.6273% | 1,241 |
| Memoranda: | ||
| Average total assets | $182,661,600 | 2,985 |
| Average earning assets | $170,046,800 | 2,987 |
| Average equity | $26,910,400 | 2,570 |
| Average total loans | $127,486,600 | 2,848 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 842 |
| Cost of funding earning assets | 0.6137% | 3,624 |
| Net interest margin | 4.6979% | 504 |
| Noninterest income to average assets | 0.6509% | 1,984 |
| Noninterest expense to average assets | 2.9377% | 2,134 |
| Loan and lease loss provision to assets | 0.0058% | 3,761 |
| Net operating income to assets | 2.0795% | 338 |
| Return on assets (ROA) | 2.0868% | 343 |
| Pretax return on assets | 2.0868% | 567 |
| Return on Equity (ROE) | 14.3923% | 909 |
| Retained earnings to average equity (ytd only) | 6.3538% | 2,198 |
| Net charge-offs to loans | -0.0221% | 4,606 |
| Credit loss provision to net charge-offs | -38.0952% | 4,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4848% | 3,866 |
| Assets per employee ($millions) | 3.7925% | 4,172 |
| Cash dividends to net income (ytd only)* | 55.8528% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 4,273 |
| Loan loss allowance to noncurrent loans | 82.1805% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 1,347 |
| Noncurrent loans to loans | 1.0228% | 1,570 |
| Net loans and leases to total assets | 70.8330% | 2,351 |
| Net loans and leases to deposits | 87.3521% | 2,016 |
| Net loans and leases to core deposits | 91.5177% | 2,415 |
| Total domestic deposits to total assets | 81.0891% | 3,728 |
| Equity capital to assets | 15.2941% | 774 |
| Core capital (leverage) ratio | 15.1341% | 712 |
| Tier 1 risk-based capital ratio | 21.1765% | 1,173 |
| Total risk-based capital ratio | 22.0079% | 1,196 |
| Memoranda: | ||
| Average total assets | $183,948,000 | 3,002 |
| Average earning assets | $171,194,000 | 2,993 |
| Average equity | $26,671,000 | 2,600 |
| Average total loans | $126,509,750 | 2,895 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 899 |
| Cost of funding earning assets | 0.6068% | 3,614 |
| Net interest margin | 4.6416% | 563 |
| Noninterest income to average assets | 0.6198% | 2,068 |
| Noninterest expense to average assets | 2.9786% | 2,059 |
| Loan and lease loss provision to assets | 0.0574% | 2,675 |
| Net operating income to assets | 1.9102% | 466 |
| Return on assets (ROA) | 1.9124% | 489 |
| Pretax return on assets | 1.9124% | 816 |
| Return on Equity (ROE) | 13.4318% | 1,116 |
| Retained earnings to average equity (ytd only) | 5.9815% | 2,289 |
| Net charge-offs to loans | -0.0654% | 4,903 |
| Credit loss provision to net charge-offs | -129.2683% | 3,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2191% | 3,692 |
| Assets per employee ($millions) | 3.7248% | 4,214 |
| Cash dividends to net income (ytd only)* | 55.4674% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 4,033 |
| Loan loss allowance to noncurrent loans | 92.4182% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 1,712 |
| Noncurrent loans to loans | 0.9898% | 1,651 |
| Net loans and leases to total assets | 68.7266% | 2,720 |
| Net loans and leases to deposits | 84.8201% | 2,392 |
| Net loans and leases to core deposits | 88.8887% | 2,713 |
| Total domestic deposits to total assets | 81.0263% | 3,803 |
| Equity capital to assets | 14.8688% | 851 |
| Core capital (leverage) ratio | 14.7607% | 759 |
| Tier 1 risk-based capital ratio | 21.0114% | 1,173 |
| Total risk-based capital ratio | 21.9140% | 1,196 |
| Memoranda: | ||
| Average total assets | $184,584,670 | 3,010 |
| Average earning assets | $172,052,000 | 3,002 |
| Average equity | $26,281,000 | 2,617 |
| Average total loans | $125,334,330 | 2,922 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1855% | 934 |
| Cost of funding earning assets | 0.6027% | 3,557 |
| Net interest margin | 4.5828% | 633 |
| Noninterest income to average assets | 0.4849% | 2,646 |
| Noninterest expense to average assets | 2.9803% | 2,048 |
| Loan and lease loss provision to assets | -0.0043% | 5,193 |
| Net operating income to assets | 1.7692% | 625 |
| Return on assets (ROA) | 1.7692% | 643 |
| Pretax return on assets | 1.7692% | 1,055 |
| Return on Equity (ROE) | 12.7028% | 1,325 |
| Retained earnings to average equity (ytd only) | 12.7028% | 511 |
| Net charge-offs to loans | 0.1059% | 1,100 |
| Credit loss provision to net charge-offs | -6.0606% | 3,424 |
| Earnings coverage of net charge-offs (x) | 24.8182% | 1,447 |
| Efficiency ratio | 62.8065% | 3,407 |
| Assets per employee ($millions) | 3.5549% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 4,423 |
| Loan loss allowance to noncurrent loans | 87.8736% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 1,896 |
| Noncurrent loans to loans | 0.9431% | 1,775 |
| Net loans and leases to total assets | 64.1433% | 3,269 |
| Net loans and leases to deposits | 77.7785% | 3,086 |
| Net loans and leases to core deposits | 81.4554% | 3,231 |
| Total domestic deposits to total assets | 82.4691% | 3,590 |
| Equity capital to assets | 13.8625% | 1,088 |
| Core capital (leverage) ratio | 14.5440% | 802 |
| Tier 1 risk-based capital ratio | 20.2679% | 1,292 |
| Total risk-based capital ratio | 21.0407% | 1,357 |
| Memoranda: | ||
| Average total assets | $185,619,000 | 3,028 |
| Average earning assets | $172,556,500 | 3,029 |
| Average equity | $25,852,500 | 2,656 |
| Average total loans | $124,704,000 | 2,968 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1533% | 762 |
| Cost of funding earning assets | 0.5211% | 3,221 |
| Net interest margin | 4.6322% | 564 |
| Noninterest income to average assets | 0.6616% | 2,006 |
| Noninterest expense to average assets | 2.8724% | 2,447 |
| Loan and lease loss provision to assets | 0.0676% | 2,794 |
| Net operating income to assets | 2.0229% | 344 |
| Return on assets (ROA) | 2.0190% | 344 |
| Pretax return on assets | 2.0190% | 539 |
| Return on Equity (ROE) | 15.0370% | 822 |
| Retained earnings to average equity (ytd only) | 5.2721% | 2,614 |
| Net charge-offs to loans | 0.1563% | 1,231 |
| Credit loss provision to net charge-offs | 62.6263% | 3,070 |
| Earnings coverage of net charge-offs (x) | 19.3737% | 2,068 |
| Efficiency ratio | 57.8786% | 4,177 |
| Assets per employee ($millions) | 3.2595% | 4,776 |
| Cash dividends to net income (ytd only)* | 64.9393% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8495% | 4,357 |
| Loan loss allowance to noncurrent loans | 77.8917% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.0141% | 1,350 |
| Noncurrent loans to loans | 1.0906% | 1,495 |
| Net loans and leases to total assets | 69.2699% | 2,697 |
| Net loans and leases to deposits | 85.5225% | 2,344 |
| Net loans and leases to core deposits | 89.5923% | 2,606 |
| Total domestic deposits to total assets | 80.9961% | 3,888 |
| Equity capital to assets | 13.9976% | 969 |
| Core capital (leverage) ratio | 14.1857% | 875 |
| Tier 1 risk-based capital ratio | 20.6405% | 1,202 |
| Total risk-based capital ratio | 21.4797% | 1,243 |
| Memoranda: | ||
| Average total assets | $183,503,200 | 3,020 |
| Average earning assets | $170,395,800 | 3,020 |
| Average equity | $24,639,200 | 2,667 |
| Average total loans | $126,703,800 | 2,916 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 750 |
| Cost of funding earning assets | 0.4996% | 3,204 |
| Net interest margin | 4.6056% | 591 |
| Noninterest income to average assets | 0.6827% | 1,917 |
| Noninterest expense to average assets | 2.7929% | 2,658 |
| Loan and lease loss provision to assets | 0.0816% | 2,318 |
| Net operating income to assets | 2.0907% | 317 |
| Return on assets (ROA) | 2.0856% | 315 |
| Pretax return on assets | 2.0856% | 500 |
| Return on Equity (ROE) | 15.6948% | 748 |
| Retained earnings to average equity (ytd only) | 7.1543% | 2,046 |
| Net charge-offs to loans | 0.0913% | 1,593 |
| Credit loss provision to net charge-offs | 129.8851% | 1,897 |
| Earnings coverage of net charge-offs (x) | 34.5623% | 1,475 |
| Efficiency ratio | 56.2491% | 4,354 |
| Assets per employee ($millions) | 3.5435% | 4,506 |
| Cash dividends to net income (ytd only)* | 54.4162% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 4,205 |
| Loan loss allowance to noncurrent loans | 90.5837% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.4088% | 945 |
| Noncurrent loans to loans | 1.0108% | 1,695 |
| Net loans and leases to total assets | 69.7055% | 2,692 |
| Net loans and leases to deposits | 86.7483% | 2,287 |
| Net loans and leases to core deposits | 90.1904% | 2,645 |
| Total domestic deposits to total assets | 80.3537% | 4,028 |
| Equity capital to assets | 13.6391% | 1,082 |
| Core capital (leverage) ratio | 14.1132% | 905 |
| Tier 1 risk-based capital ratio | 20.2390% | 1,288 |
| Total risk-based capital ratio | 21.1387% | 1,324 |
| Memoranda: | ||
| Average total assets | $184,560,500 | 3,033 |
| Average earning assets | $171,613,250 | 3,034 |
| Average equity | $24,525,500 | 2,689 |
| Average total loans | $127,068,000 | 2,942 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0028% | 813 |
| Cost of funding earning assets | 0.4723% | 3,206 |
| Net interest margin | 4.5305% | 651 |
| Noninterest income to average assets | 0.6888% | 1,916 |
| Noninterest expense to average assets | 2.7776% | 2,727 |
| Loan and lease loss provision to assets | 0.0086% | 3,674 |
| Net operating income to assets | 2.1244% | 296 |
| Return on assets (ROA) | 2.1169% | 297 |
| Pretax return on assets | 2.1169% | 472 |
| Return on Equity (ROE) | 16.0672% | 660 |
| Retained earnings to average equity (ytd only) | 8.1357% | 1,565 |
| Net charge-offs to loans | 0.1039% | 1,319 |
| Credit loss provision to net charge-offs | 12.1212% | 2,720 |
| Earnings coverage of net charge-offs (x) | 30.0303% | 1,504 |
| Efficiency ratio | 56.5637% | 4,404 |
| Assets per employee ($millions) | 3.8735% | 4,101 |
| Cash dividends to net income (ytd only)* | 49.3645% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 4,544 |
| Loan loss allowance to noncurrent loans | 135.8491% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 1,246 |
| Noncurrent loans to loans | 0.6284% | 2,538 |
| Net loans and leases to total assets | 67.4645% | 2,951 |
| Net loans and leases to deposits | 82.7545% | 2,688 |
| Net loans and leases to core deposits | 86.1996% | 2,905 |
| Total domestic deposits to total assets | 81.5236% | 3,862 |
| Equity capital to assets | 13.2249% | 1,215 |
| Core capital (leverage) ratio | 13.8757% | 938 |
| Tier 1 risk-based capital ratio | 19.8972% | 1,337 |
| Total risk-based capital ratio | 20.7280% | 1,398 |
| Memoranda: | ||
| Average total assets | $185,842,000 | 3,036 |
| Average earning assets | $173,181,670 | 3,030 |
| Average equity | $24,484,670 | 2,704 |
| Average total loans | $127,046,330 | 2,948 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 851 |
| Cost of funding earning assets | 0.4610% | 3,120 |
| Net interest margin | 4.4506% | 684 |
| Noninterest income to average assets | 0.6932% | 1,859 |
| Noninterest expense to average assets | 2.8719% | 2,461 |
| Loan and lease loss provision to assets | 0.0517% | 2,742 |
| Net operating income to assets | 1.9268% | 428 |
| Return on assets (ROA) | 1.9117% | 443 |
| Pretax return on assets | 1.9117% | 702 |
| Return on Equity (ROE) | 14.5380% | 890 |
| Retained earnings to average equity (ytd only) | 14.5380% | 360 |
| Net charge-offs to loans | 0.0817% | 1,317 |
| Credit loss provision to net charge-offs | 92.3077% | 1,653 |
| Earnings coverage of net charge-offs (x) | 35.3462% | 1,138 |
| Efficiency ratio | 59.2099% | 4,180 |
| Assets per employee ($millions) | 3.8582% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 4,458 |
| Loan loss allowance to noncurrent loans | 124.9725% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.1325% | 1,366 |
| Noncurrent loans to loans | 0.7190% | 2,412 |
| Net loans and leases to total assets | 66.2717% | 2,991 |
| Net loans and leases to deposits | 81.2498% | 2,662 |
| Net loans and leases to core deposits | 84.5267% | 2,928 |
| Total domestic deposits to total assets | 81.5654% | 4,071 |
| Equity capital to assets | 13.0007% | 1,243 |
| Core capital (leverage) ratio | 13.8097% | 916 |
| Tier 1 risk-based capital ratio | 19.7202% | 1,392 |
| Total risk-based capital ratio | 20.5900% | 1,434 |
| Memoranda: | ||
| Average total assets | $185,798,500 | 3,073 |
| Average earning assets | $173,549,500 | 3,056 |
| Average equity | $24,432,500 | 2,728 |
| Average total loans | $127,311,500 | 2,971 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 637 |
| Cost of funding earning assets | 0.4531% | 2,748 |
| Net interest margin | 4.5559% | 549 |
| Noninterest income to average assets | 0.6748% | 2,070 |
| Noninterest expense to average assets | 2.6722% | 3,223 |
| Loan and lease loss provision to assets | 0.1698% | 1,295 |
| Net operating income to assets | 2.0735% | 243 |
| Return on assets (ROA) | 2.0762% | 249 |
| Pretax return on assets | 2.0762% | 410 |
| Return on Equity (ROE) | 15.9417% | 493 |
| Retained earnings to average equity (ytd only) | 6.3808% | 1,337 |
| Net charge-offs to loans | 0.1308% | 1,745 |
| Credit loss provision to net charge-offs | 184.6154% | 1,470 |
| Earnings coverage of net charge-offs (x) | 24.3905% | 1,759 |
| Efficiency ratio | 54.3623% | 4,923 |
| Assets per employee ($millions) | 3.8030% | 4,279 |
| Cash dividends to net income (ytd only)* | 59.9738% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 4,534 |
| Loan loss allowance to noncurrent loans | 228.9738% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 1,637 |
| Noncurrent loans to loans | 0.3877% | 3,372 |
| Net loans and leases to total assets | 69.6053% | 2,586 |
| Net loans and leases to deposits | 86.1986% | 2,237 |
| Net loans and leases to core deposits | 89.6988% | 2,593 |
| Total domestic deposits to total assets | 80.7500% | 4,181 |
| Equity capital to assets | 13.3047% | 1,128 |
| Core capital (leverage) ratio | 13.3313% | 1,027 |
| Tier 1 risk-based capital ratio | 18.9202% | 1,518 |
| Total risk-based capital ratio | 19.7861% | 1,592 |
| Memoranda: | ||
| Average total assets | $183,745,400 | 3,075 |
| Average earning assets | $171,029,600 | 3,057 |
| Average equity | $23,931,000 | 2,766 |
| Average total loans | $129,239,800 | 2,925 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9564% | 671 |
| Cost of funding earning assets | 0.4498% | 2,718 |
| Net interest margin | 4.5066% | 595 |
| Noninterest income to average assets | 0.7013% | 1,995 |
| Noninterest expense to average assets | 2.5739% | 3,491 |
| Loan and lease loss provision to assets | 0.1717% | 1,172 |
| Net operating income to assets | 2.1509% | 238 |
| Return on assets (ROA) | 2.1523% | 240 |
| Pretax return on assets | 2.1523% | 406 |
| Return on Equity (ROE) | 16.6145% | 471 |
| Retained earnings to average equity (ytd only) | 8.1311% | 1,174 |
| Net charge-offs to loans | 0.1133% | 1,661 |
| Credit loss provision to net charge-offs | 215.4545% | 1,277 |
| Earnings coverage of net charge-offs (x) | 29.1461% | 1,585 |
| Efficiency ratio | 52.5669% | 5,052 |
| Assets per employee ($millions) | 3.9161% | 4,126 |
| Cash dividends to net income (ytd only)* | 51.0604% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,677 |
| Loan loss allowance to noncurrent loans | 321.4900% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9821% | 1,730 |
| Noncurrent loans to loans | 0.2721% | 3,980 |
| Net loans and leases to total assets | 67.6388% | 2,897 |
| Net loans and leases to deposits | 84.4259% | 2,504 |
| Net loans and leases to core deposits | 87.7865% | 2,794 |
| Total domestic deposits to total assets | 80.1162% | 4,290 |
| Equity capital to assets | 13.1844% | 1,299 |
| Core capital (leverage) ratio | 13.4521% | 1,040 |
| Tier 1 risk-based capital ratio | 18.5671% | 1,708 |
| Total risk-based capital ratio | 19.4072% | 1,771 |
| Memoranda: | ||
| Average total assets | $184,045,500 | 3,104 |
| Average earning assets | $171,331,250 | 3,081 |
| Average equity | $23,842,000 | 2,796 |
| Average total loans | $129,500,000 | 2,943 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 640 |
| Cost of funding earning assets | 0.4510% | 2,590 |
| Net interest margin | 4.4868% | 582 |
| Noninterest income to average assets | 0.7234% | 1,892 |
| Noninterest expense to average assets | 2.6486% | 3,271 |
| Loan and lease loss provision to assets | 0.1664% | 1,199 |
| Net operating income to assets | 2.0893% | 263 |
| Return on assets (ROA) | 2.0893% | 269 |
| Pretax return on assets | 2.0893% | 457 |
| Return on Equity (ROE) | 16.2272% | 498 |
| Retained earnings to average equity (ytd only) | 8.4324% | 1,020 |
| Net charge-offs to loans | 0.0724% | 1,903 |
| Credit loss provision to net charge-offs | 323.4043% | 912 |
| Earnings coverage of net charge-offs (x) | 43.8511% | 1,183 |
| Efficiency ratio | 54.0058% | 5,020 |
| Assets per employee ($millions) | 3.7282% | 4,394 |
| Cash dividends to net income (ytd only)* | 48.0356% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,810 |
| Loan loss allowance to noncurrent loans | 239.6514% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 1,606 |
| Noncurrent loans to loans | 0.3552% | 3,758 |
| Net loans and leases to total assets | 70.1414% | 2,506 |
| Net loans and leases to deposits | 86.4912% | 2,168 |
| Net loans and leases to core deposits | 89.9869% | 2,531 |
| Total domestic deposits to total assets | 81.0966% | 4,162 |
| Equity capital to assets | 13.3583% | 1,204 |
| Core capital (leverage) ratio | 13.3551% | 1,035 |
| Tier 1 risk-based capital ratio | 18.2610% | 1,786 |
| Total risk-based capital ratio | 19.0864% | 1,860 |
| Memoranda: | ||
| Average total assets | $182,736,670 | 3,123 |
| Average earning assets | $170,277,670 | 3,103 |
| Average equity | $23,528,330 | 2,828 |
| Average total loans | $129,912,000 | 2,948 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 654 |
| Cost of funding earning assets | 0.4434% | 2,584 |
| Net interest margin | 4.4361% | 594 |
| Noninterest income to average assets | 0.6413% | 2,220 |
| Noninterest expense to average assets | 2.6570% | 3,288 |
| Loan and lease loss provision to assets | 0.2561% | 572 |
| Net operating income to assets | 1.8669% | 391 |
| Return on assets (ROA) | 1.8669% | 408 |
| Pretax return on assets | 1.8669% | 693 |
| Return on Equity (ROE) | 14.7763% | 678 |
| Retained earnings to average equity (ytd only) | 14.7763% | 244 |
| Net charge-offs to loans | 0.0706% | 1,622 |
| Credit loss provision to net charge-offs | 508.6957% | 557 |
| Earnings coverage of net charge-offs (x) | 42.1739% | 996 |
| Efficiency ratio | 55.5861% | 4,981 |
| Assets per employee ($millions) | 3.8532% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 4,946 |
| Loan loss allowance to noncurrent loans | 292.7419% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 1,627 |
| Noncurrent loans to loans | 0.2880% | 4,085 |
| Net loans and leases to total assets | 69.2426% | 2,497 |
| Net loans and leases to deposits | 86.7610% | 1,944 |
| Net loans and leases to core deposits | 90.0853% | 2,336 |
| Total domestic deposits to total assets | 79.8085% | 4,656 |
| Equity capital to assets | 12.8410% | 1,331 |
| Core capital (leverage) ratio | 13.2519% | 1,056 |
| Tier 1 risk-based capital ratio | 18.1842% | 1,807 |
| Total risk-based capital ratio | 19.0027% | 1,907 |
| Memoranda: | ||
| Average total assets | $182,764,500 | 3,150 |
| Average earning assets | $170,511,500 | 3,128 |
| Average equity | $23,091,000 | 2,881 |
| Average total loans | $130,250,500 | 2,953 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 687 |
| Cost of funding earning assets | 0.4570% | 2,476 |
| Net interest margin | 4.4721% | 658 |
| Noninterest income to average assets | 0.6759% | 2,287 |
| Noninterest expense to average assets | 2.7825% | 3,081 |
| Loan and lease loss provision to assets | 0.0618% | 3,132 |
| Net operating income to assets | 2.0264% | 299 |
| Return on assets (ROA) | 2.0287% | 310 |
| Pretax return on assets | 2.0287% | 464 |
| Return on Equity (ROE) | 16.0509% | 504 |
| Retained earnings to average equity (ytd only) | 6.4265% | 1,486 |
| Net charge-offs to loans | 0.1747% | 1,571 |
| Credit loss provision to net charge-offs | 48.6842% | 3,395 |
| Earnings coverage of net charge-offs (x) | 16.4518% | 2,109 |
| Efficiency ratio | 57.1265% | 4,940 |
| Assets per employee ($millions) | 3.4726% | 4,801 |
| Cash dividends to net income (ytd only)* | 59.9616% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 5,217 |
| Loan loss allowance to noncurrent loans | 236.9048% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 1,548 |
| Noncurrent loans to loans | 0.3198% | 4,003 |
| Net loans and leases to total assets | 72.1861% | 2,144 |
| Net loans and leases to deposits | 88.9263% | 1,814 |
| Net loans and leases to core deposits | 91.8404% | 2,317 |
| Total domestic deposits to total assets | 81.1751% | 4,294 |
| Equity capital to assets | 12.4225% | 1,565 |
| Core capital (leverage) ratio | 12.7505% | 1,230 |
| Tier 1 risk-based capital ratio | 17.5801% | 1,981 |
| Total risk-based capital ratio | 18.3295% | 2,082 |
| Memoranda: | ||
| Average total assets | $179,624,600 | 3,169 |
| Average earning assets | $168,488,200 | 3,136 |
| Average equity | $22,702,800 | 2,921 |
| Average total loans | $130,513,000 | 2,912 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 799 |
| Cost of funding earning assets | 0.4562% | 2,493 |
| Net interest margin | 4.3999% | 778 |
| Noninterest income to average assets | 0.6712% | 2,304 |
| Noninterest expense to average assets | 2.8184% | 2,942 |
| Loan and lease loss provision to assets | 0.1449% | 1,616 |
| Net operating income to assets | 1.8440% | 448 |
| Return on assets (ROA) | 1.8470% | 469 |
| Pretax return on assets | 1.8470% | 810 |
| Return on Equity (ROE) | 14.5506% | 730 |
| Retained earnings to average equity (ytd only) | 6.6459% | 1,819 |
| Net charge-offs to loans | 0.1330% | 1,644 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 20.5845% | 1,867 |
| Efficiency ratio | 58.6271% | 4,733 |
| Assets per employee ($millions) | 3.5827% | 4,667 |
| Cash dividends to net income (ytd only)* | 54.3261% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 4,856 |
| Loan loss allowance to noncurrent loans | 77.4852% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.2030% | 1,653 |
| Noncurrent loans to loans | 1.1660% | 1,924 |
| Net loans and leases to total assets | 70.6572% | 2,399 |
| Net loans and leases to deposits | 87.4385% | 2,089 |
| Net loans and leases to core deposits | 90.2754% | 2,552 |
| Total domestic deposits to total assets | 80.8079% | 4,298 |
| Equity capital to assets | 12.8248% | 1,583 |
| Core capital (leverage) ratio | 12.8526% | 1,243 |
| Tier 1 risk-based capital ratio | 17.4031% | 2,105 |
| Total risk-based capital ratio | 18.2930% | 2,169 |
| Memoranda: | ||
| Average total assets | $179,387,000 | 3,186 |
| Average earning assets | $168,634,000 | 3,145 |
| Average equity | $22,770,500 | 2,939 |
| Average total loans | $130,305,000 | 2,924 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 794 |
| Cost of funding earning assets | 0.4584% | 2,491 |
| Net interest margin | 4.3946% | 777 |
| Noninterest income to average assets | 0.6451% | 2,391 |
| Noninterest expense to average assets | 2.7979% | 3,039 |
| Loan and lease loss provision to assets | 0.1189% | 1,916 |
| Net operating income to assets | 1.8578% | 433 |
| Return on assets (ROA) | 1.8623% | 450 |
| Pretax return on assets | 1.8623% | 760 |
| Return on Equity (ROE) | 14.7231% | 716 |
| Retained earnings to average equity (ytd only) | 6.7407% | 1,744 |
| Net charge-offs to loans | 0.1504% | 1,425 |
| Credit loss provision to net charge-offs | 108.1633% | 1,987 |
| Earnings coverage of net charge-offs (x) | 17.9796% | 1,847 |
| Efficiency ratio | 58.5996% | 4,825 |
| Assets per employee ($millions) | 3.5241% | 4,713 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 5,104 |
| Loan loss allowance to noncurrent loans | 74.7664% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 1,884 |
| Noncurrent loans to loans | 1.1492% | 1,998 |
| Net loans and leases to total assets | 73.3447% | 1,958 |
| Net loans and leases to deposits | 91.3445% | 1,591 |
| Net loans and leases to core deposits | 94.2661% | 2,139 |
| Total domestic deposits to total assets | 80.2945% | 4,479 |
| Equity capital to assets | 13.0649% | 1,462 |
| Core capital (leverage) ratio | 12.7446% | 1,257 |
| Tier 1 risk-based capital ratio | 17.0049% | 2,219 |
| Total risk-based capital ratio | 17.8460% | 2,342 |
| Memoranda: | ||
| Average total assets | $178,277,330 | 3,207 |
| Average earning assets | $167,525,670 | 3,172 |
| Average equity | $22,549,670 | 2,970 |
| Average total loans | $130,313,670 | 2,926 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 792 |
| Cost of funding earning assets | 0.4581% | 2,491 |
| Net interest margin | 4.3766% | 781 |
| Noninterest income to average assets | 0.6045% | 2,504 |
| Noninterest expense to average assets | 2.7973% | 3,080 |
| Loan and lease loss provision to assets | 0.1004% | 2,018 |
| Net operating income to assets | 1.8203% | 455 |
| Return on assets (ROA) | 1.8292% | 483 |
| Pretax return on assets | 1.8292% | 810 |
| Return on Equity (ROE) | 14.6993% | 720 |
| Retained earnings to average equity (ytd only) | 14.6993% | 272 |
| Net charge-offs to loans | 0.1320% | 1,311 |
| Credit loss provision to net charge-offs | 104.6512% | 1,568 |
| Earnings coverage of net charge-offs (x) | 20.0233% | 1,481 |
| Efficiency ratio | 59.2908% | 4,837 |
| Assets per employee ($millions) | 3.5450% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 5,210 |
| Loan loss allowance to noncurrent loans | 136.1858% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 2,908 |
| Noncurrent loans to loans | 0.6266% | 3,292 |
| Net loans and leases to total assets | 71.5888% | 2,101 |
| Net loans and leases to deposits | 88.5760% | 1,753 |
| Net loans and leases to core deposits | 91.1183% | 2,265 |
| Total domestic deposits to total assets | 80.8219% | 4,549 |
| Equity capital to assets | 12.6215% | 1,609 |
| Core capital (leverage) ratio | 12.6688% | 1,278 |
| Tier 1 risk-based capital ratio | 16.9159% | 2,318 |
| Total risk-based capital ratio | 17.7460% | 2,432 |
| Memoranda: | ||
| Average total assets | $179,313,500 | 3,211 |
| Average earning assets | $168,533,500 | 3,171 |
| Average equity | $22,314,000 | 2,988 |
| Average total loans | $130,292,000 | 2,931 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 686 |
| Cost of funding earning assets | 0.4968% | 2,182 |
| Net interest margin | 4.4539% | 710 |
| Noninterest income to average assets | 0.7114% | 2,148 |
| Noninterest expense to average assets | 2.8040% | 3,210 |
| Loan and lease loss provision to assets | 0.0607% | 3,088 |
| Net operating income to assets | 2.0530% | 319 |
| Return on assets (ROA) | 2.0570% | 326 |
| Pretax return on assets | 2.0570% | 478 |
| Return on Equity (ROE) | 16.9470% | 460 |
| Retained earnings to average equity (ytd only) | 6.8005% | 1,372 |
| Net charge-offs to loans | 0.2486% | 1,211 |
| Credit loss provision to net charge-offs | 32.7160% | 3,616 |
| Earnings coverage of net charge-offs (x) | 11.3889% | 2,584 |
| Efficiency ratio | 57.0181% | 5,254 |
| Assets per employee ($millions) | 3.5566% | 4,709 |
| Cash dividends to net income (ytd only)* | 59.8719% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 5,254 |
| Loan loss allowance to noncurrent loans | 118.6766% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 2,727 |
| Noncurrent loans to loans | 0.7205% | 3,025 |
| Net loans and leases to total assets | 72.5004% | 1,968 |
| Net loans and leases to deposits | 89.6430% | 1,668 |
| Net loans and leases to core deposits | 92.2549% | 2,194 |
| Total domestic deposits to total assets | 80.8769% | 4,515 |
| Equity capital to assets | 12.2638% | 1,767 |
| Core capital (leverage) ratio | 12.2511% | 1,481 |
| Tier 1 risk-based capital ratio | 16.2040% | 2,602 |
| Total risk-based capital ratio | 17.0274% | 2,732 |
| Memoranda: | ||
| Average total assets | $174,573,800 | 3,238 |
| Average earning assets | $164,866,200 | 3,192 |
| Average equity | $21,189,600 | 3,050 |
| Average total loans | $130,336,200 | 2,883 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 667 |
| Cost of funding earning assets | 0.5074% | 2,146 |
| Net interest margin | 4.4561% | 717 |
| Noninterest income to average assets | 0.7006% | 2,224 |
| Noninterest expense to average assets | 2.7593% | 3,347 |
| Loan and lease loss provision to assets | 0.1281% | 1,768 |
| Net operating income to assets | 2.0250% | 351 |
| Return on assets (ROA) | 2.0296% | 364 |
| Pretax return on assets | 2.0296% | 565 |
| Return on Equity (ROE) | 16.7655% | 496 |
| Retained earnings to average equity (ytd only) | 7.8281% | 1,317 |
| Net charge-offs to loans | 0.2454% | 1,066 |
| Credit loss provision to net charge-offs | 69.5833% | 2,776 |
| Earnings coverage of net charge-offs (x) | 11.6917% | 2,469 |
| Efficiency ratio | 56.1699% | 5,333 |
| Assets per employee ($millions) | 3.4756% | 4,839 |
| Cash dividends to net income (ytd only)* | 53.3080% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9679% | 4,905 |
| Loan loss allowance to noncurrent loans | 112.6344% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6708% | 3,246 |
| Noncurrent loans to loans | 0.8593% | 2,828 |
| Net loans and leases to total assets | 72.5575% | 1,974 |
| Net loans and leases to deposits | 89.5073% | 1,711 |
| Net loans and leases to core deposits | 91.4927% | 2,316 |
| Total domestic deposits to total assets | 81.0632% | 4,461 |
| Equity capital to assets | 12.2144% | 1,943 |
| Core capital (leverage) ratio | 12.4652% | 1,434 |
| Tier 1 risk-based capital ratio | 16.3523% | 2,648 |
| Total risk-based capital ratio | 17.3006% | 2,723 |
| Memoranda: | ||
| Average total assets | $173,759,250 | 3,280 |
| Average earning assets | $164,235,500 | 3,229 |
| Average equity | $21,034,750 | 3,093 |
| Average total loans | $130,410,000 | 2,902 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0202% | 575 |
| Cost of funding earning assets | 0.5256% | 2,027 |
| Net interest margin | 4.4946% | 645 |
| Noninterest income to average assets | 0.7045% | 2,192 |
| Noninterest expense to average assets | 2.7382% | 3,458 |
| Loan and lease loss provision to assets | 0.1924% | 1,037 |
| Net operating income to assets | 2.0151% | 357 |
| Return on assets (ROA) | 2.0221% | 366 |
| Pretax return on assets | 2.0221% | 575 |
| Return on Equity (ROE) | 16.7552% | 519 |
| Retained earnings to average equity (ytd only) | 8.5937% | 1,043 |
| Net charge-offs to loans | 0.3124% | 846 |
| Credit loss provision to net charge-offs | 81.3725% | 2,313 |
| Earnings coverage of net charge-offs (x) | 9.3382% | 2,462 |
| Efficiency ratio | 55.3655% | 5,485 |
| Assets per employee ($millions) | 3.4553% | 4,880 |
| Cash dividends to net income (ytd only)* | 48.7106% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 4,810 |
| Loan loss allowance to noncurrent loans | 140.7407% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 3,723 |
| Noncurrent loans to loans | 0.7192% | 3,328 |
| Net loans and leases to total assets | 73.1323% | 1,797 |
| Net loans and leases to deposits | 90.2131% | 1,573 |
| Net loans and leases to core deposits | 92.2645% | 2,131 |
| Total domestic deposits to total assets | 81.0662% | 4,594 |
| Equity capital to assets | 12.1205% | 1,938 |
| Core capital (leverage) ratio | 12.2224% | 1,527 |
| Tier 1 risk-based capital ratio | 15.9628% | 2,880 |
| Total risk-based capital ratio | 16.9294% | 2,960 |
| Memoranda: | ||
| Average total assets | $172,593,000 | 3,308 |
| Average earning assets | $162,862,330 | 3,263 |
| Average equity | $20,829,330 | 3,127 |
| Average total loans | $130,589,670 | 2,900 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 535 |
| Cost of funding earning assets | 0.5238% | 2,070 |
| Net interest margin | 4.5196% | 587 |
| Noninterest income to average assets | 0.6632% | 2,344 |
| Noninterest expense to average assets | 2.7013% | 3,587 |
| Loan and lease loss provision to assets | 0.0881% | 2,222 |
| Net operating income to assets | 2.1356% | 261 |
| Return on assets (ROA) | 2.1495% | 269 |
| Pretax return on assets | 2.1495% | 432 |
| Return on Equity (ROE) | 17.8492% | 397 |
| Retained earnings to average equity (ytd only) | 9.6659% | 1,000 |
| Net charge-offs to loans | 0.6209% | 394 |
| Credit loss provision to net charge-offs | 18.5366% | 2,374 |
| Earnings coverage of net charge-offs (x) | 4.6780% | 2,460 |
| Efficiency ratio | 54.8493% | 5,608 |
| Assets per employee ($millions) | 3.7404% | 4,440 |
| Cash dividends to net income (ytd only)* | 45.8468% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 5,490 |
| Loan loss allowance to noncurrent loans | 120.1446% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5748% | 3,756 |
| Noncurrent loans to loans | 0.7348% | 3,425 |
| Net loans and leases to total assets | 72.7225% | 1,695 |
| Net loans and leases to deposits | 91.4257% | 1,242 |
| Net loans and leases to core deposits | 93.4584% | 1,816 |
| Total domestic deposits to total assets | 79.5427% | 5,162 |
| Equity capital to assets | 11.7606% | 2,230 |
| Core capital (leverage) ratio | 11.8361% | 1,750 |
| Tier 1 risk-based capital ratio | 15.9098% | 2,961 |
| Total risk-based capital ratio | 16.7933% | 3,067 |
| Memoranda: | ||
| Average total assets | $172,507,000 | 3,322 |
| Average earning assets | $162,668,000 | 3,285 |
| Average equity | $20,774,000 | 3,155 |
| Average total loans | $132,065,000 | 2,881 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1450% | 576 |
| Cost of funding earning assets | 0.5760% | 1,995 |
| Net interest margin | 4.5690% | 657 |
| Noninterest income to average assets | 0.7597% | 2,036 |
| Noninterest expense to average assets | 2.7042% | 3,849 |
| Loan and lease loss provision to assets | 0.2439% | 949 |
| Net operating income to assets | 2.1006% | 275 |
| Return on assets (ROA) | 2.1492% | 251 |
| Pretax return on assets | 2.1492% | 362 |
| Return on Equity (ROE) | 18.7842% | 332 |
| Retained earnings to average equity (ytd only) | 8.4558% | 845 |
| Net charge-offs to loans | 0.1944% | 2,108 |
| Credit loss provision to net charge-offs | 170.5394% | 1,426 |
| Earnings coverage of net charge-offs (x) | 16.3900% | 2,012 |
| Efficiency ratio | 53.5622% | 5,878 |
| Assets per employee ($millions) | 3.5207% | 4,870 |
| Cash dividends to net income (ytd only)* | 54.9848% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 5,020 |
| Loan loss allowance to noncurrent loans | 138.9760% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 3,151 |
| Noncurrent loans to loans | 0.7228% | 3,518 |
| Net loans and leases to total assets | 79.2094% | 855 |
| Net loans and leases to deposits | 95.3986% | 948 |
| Net loans and leases to core deposits | 97.6022% | 1,582 |
| Total domestic deposits to total assets | 83.0300% | 4,072 |
| Equity capital to assets | 12.3482% | 1,736 |
| Core capital (leverage) ratio | 12.4864% | 1,358 |
| Tier 1 risk-based capital ratio | 16.0957% | 2,919 |
| Total risk-based capital ratio | 17.1429% | 2,961 |
| Memoranda: | ||
| Average total assets | $168,478,400 | 3,361 |
| Average earning assets | $158,154,200 | 3,308 |
| Average equity | $19,276,800 | 3,256 |
| Average total loans | $123,950,600 | 2,973 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0939% | 653 |
| Cost of funding earning assets | 0.5917% | 1,907 |
| Net interest margin | 4.5021% | 733 |
| Noninterest income to average assets | 0.7587% | 2,058 |
| Noninterest expense to average assets | 2.7134% | 3,781 |
| Loan and lease loss provision to assets | 0.1552% | 1,598 |
| Net operating income to assets | 2.1162% | 273 |
| Return on assets (ROA) | 2.1698% | 262 |
| Pretax return on assets | 2.1698% | 392 |
| Return on Equity (ROE) | 19.3383% | 321 |
| Retained earnings to average equity (ytd only) | 10.9120% | 528 |
| Net charge-offs to loans | 0.2189% | 1,729 |
| Credit loss provision to net charge-offs | 98.5000% | 2,266 |
| Earnings coverage of net charge-offs (x) | 14.4150% | 2,145 |
| Efficiency ratio | 54.4334% | 5,783 |
| Assets per employee ($millions) | 3.5297% | 4,805 |
| Cash dividends to net income (ytd only)* | 43.5730% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 5,585 |
| Loan loss allowance to noncurrent loans | 84.7619% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.2478% | 2,464 |
| Noncurrent loans to loans | 1.0687% | 2,937 |
| Net loans and leases to total assets | 74.7043% | 1,411 |
| Net loans and leases to deposits | 89.3324% | 1,502 |
| Net loans and leases to core deposits | 91.3320% | 2,082 |
| Total domestic deposits to total assets | 83.6251% | 3,908 |
| Equity capital to assets | 11.8826% | 2,169 |
| Core capital (leverage) ratio | 11.9746% | 1,710 |
| Tier 1 risk-based capital ratio | 16.1969% | 2,958 |
| Total risk-based capital ratio | 17.1171% | 3,063 |
| Memoranda: | ||
| Average total assets | $169,229,500 | 3,379 |
| Average earning assets | $158,853,500 | 3,321 |
| Average equity | $18,987,750 | 3,303 |
| Average total loans | $121,838,000 | 3,022 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0161% | 730 |
| Cost of funding earning assets | 0.6121% | 1,793 |
| Net interest margin | 4.4040% | 843 |
| Noninterest income to average assets | 0.7188% | 2,192 |
| Noninterest expense to average assets | 2.7287% | 3,759 |
| Loan and lease loss provision to assets | 0.2305% | 990 |
| Net operating income to assets | 1.8940% | 416 |
| Return on assets (ROA) | 1.9626% | 378 |
| Pretax return on assets | 1.9626% | 603 |
| Return on Equity (ROE) | 17.8434% | 475 |
| Retained earnings to average equity (ytd only) | 9.2442% | 899 |
| Net charge-offs to loans | 0.3070% | 1,318 |
| Credit loss provision to net charge-offs | 105.9783% | 1,891 |
| Earnings coverage of net charge-offs (x) | 9.7663% | 2,326 |
| Efficiency ratio | 56.2241% | 5,726 |
| Assets per employee ($millions) | 3.5280% | 4,795 |
| Cash dividends to net income (ytd only)* | 48.1928% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 5,577 |
| Loan loss allowance to noncurrent loans | 148.2278% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.9088% | 3,273 |
| Noncurrent loans to loans | 0.6393% | 4,107 |
| Net loans and leases to total assets | 72.2769% | 1,690 |
| Net loans and leases to deposits | 87.3934% | 1,668 |
| Net loans and leases to core deposits | 89.3703% | 2,181 |
| Total domestic deposits to total assets | 82.7029% | 4,412 |
| Equity capital to assets | 11.4789% | 2,447 |
| Core capital (leverage) ratio | 11.6724% | 1,872 |
| Tier 1 risk-based capital ratio | 16.0994% | 3,040 |
| Total risk-based capital ratio | 17.0577% | 3,123 |
| Memoranda: | ||
| Average total assets | $169,164,670 | 3,391 |
| Average earning assets | $158,809,330 | 3,339 |
| Average equity | $18,606,330 | 3,347 |
| Average total loans | $119,876,000 | 3,065 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 706 |
| Cost of funding earning assets | 0.6348% | 1,691 |
| Net interest margin | 4.3707% | 859 |
| Noninterest income to average assets | 0.7027% | 2,155 |
| Noninterest expense to average assets | 2.6687% | 4,044 |
| Loan and lease loss provision to assets | 0.3620% | 480 |
| Net operating income to assets | 1.7767% | 501 |
| Return on assets (ROA) | 1.7318% | 562 |
| Pretax return on assets | 1.7318% | 914 |
| Return on Equity (ROE) | 16.0968% | 631 |
| Retained earnings to average equity (ytd only) | 7.3007% | 1,907 |
| Net charge-offs to loans | 0.0915% | 2,244 |
| Credit loss provision to net charge-offs | 566.6667% | 493 |
| Earnings coverage of net charge-offs (x) | 33.4815% | 984 |
| Efficiency ratio | 55.5118% | 5,876 |
| Assets per employee ($millions) | 3.5555% | 4,820 |
| Cash dividends to net income (ytd only)* | 54.6448% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 5,182 |
| Loan loss allowance to noncurrent loans | 471.0623% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 4,228 |
| Noncurrent loans to loans | 0.2303% | 5,409 |
| Net loans and leases to total assets | 68.7015% | 2,112 |
| Net loans and leases to deposits | 81.9463% | 2,047 |
| Net loans and leases to core deposits | 83.7857% | 2,541 |
| Total domestic deposits to total assets | 83.8372% | 4,328 |
| Equity capital to assets | 10.8881% | 2,837 |
| Core capital (leverage) ratio | 11.1704% | 2,248 |
| Tier 1 risk-based capital ratio | 16.0465% | 3,152 |
| Total risk-based capital ratio | 17.1245% | 3,191 |
| Memoranda: | ||
| Average total assets | $169,074,000 | 3,423 |
| Average earning assets | $158,785,000 | 3,359 |
| Average equity | $18,190,000 | 3,401 |
| Average total loans | $118,029,500 | 3,116 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 746 |
| Cost of funding earning assets | 0.7158% | 1,705 |
| Net interest margin | 4.4022% | 908 |
| Noninterest income to average assets | 0.7809% | 2,162 |
| Noninterest expense to average assets | 2.6506% | 4,279 |
| Loan and lease loss provision to assets | 0.0426% | 4,266 |
| Net operating income to assets | 2.2292% | 235 |
| Return on assets (ROA) | 2.4447% | 184 |
| Pretax return on assets | 2.4447% | 215 |
| Return on Equity (ROE) | 22.4252% | 191 |
| Retained earnings to average equity (ytd only) | 10.0922% | 552 |
| Net charge-offs to loans | 0.2113% | 2,772 |
| Credit loss provision to net charge-offs | 28.6290% | 4,278 |
| Earnings coverage of net charge-offs (x) | 15.2621% | 1,886 |
| Efficiency ratio | 53.8471% | 6,148 |
| Assets per employee ($millions) | 3.5635% | 4,772 |
| Cash dividends to net income (ytd only)* | 54.9963% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 5,631 |
| Loan loss allowance to noncurrent loans | 220.9524% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7953% | 3,894 |
| Noncurrent loans to loans | 0.4467% | 4,884 |
| Net loans and leases to total assets | 69.4779% | 2,099 |
| Net loans and leases to deposits | 83.4158% | 2,007 |
| Net loans and leases to core deposits | 85.3304% | 2,528 |
| Total domestic deposits to total assets | 83.2910% | 4,432 |
| Equity capital to assets | 10.6266% | 3,007 |
| Core capital (leverage) ratio | 11.1684% | 2,224 |
| Tier 1 risk-based capital ratio | 16.0603% | 3,073 |
| Total risk-based capital ratio | 17.0507% | 3,153 |
| Memoranda: | ||
| Average total assets | $166,605,400 | 3,465 |
| Average earning assets | $156,738,600 | 3,390 |
| Average equity | $18,162,600 | 3,394 |
| Average total loans | $117,363,200 | 3,093 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1037% | 769 |
| Cost of funding earning assets | 0.7280% | 1,748 |
| Net interest margin | 4.3757% | 941 |
| Noninterest income to average assets | 0.8134% | 2,080 |
| Noninterest expense to average assets | 2.6091% | 4,360 |
| Loan and lease loss provision to assets | 0.0056% | 4,858 |
| Net operating income to assets | 2.3167% | 211 |
| Return on assets (ROA) | 2.5923% | 165 |
| Pretax return on assets | 2.5923% | 224 |
| Return on Equity (ROE) | 23.6293% | 149 |
| Retained earnings to average equity (ytd only) | 14.8642% | 208 |
| Net charge-offs to loans | 0.2239% | 2,469 |
| Credit loss provision to net charge-offs | 3.5533% | 4,297 |
| Earnings coverage of net charge-offs (x) | 14.7107% | 1,921 |
| Efficiency ratio | 52.9087% | 6,186 |
| Assets per employee ($millions) | 3.8106% | 4,211 |
| Cash dividends to net income (ytd only)* | 37.0942% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 5,787 |
| Loan loss allowance to noncurrent loans | 299.4778% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 4,263 |
| Noncurrent loans to loans | 0.3291% | 5,396 |
| Net loans and leases to total assets | 68.7259% | 2,196 |
| Net loans and leases to deposits | 82.5317% | 2,066 |
| Net loans and leases to core deposits | 84.4244% | 2,607 |
| Total domestic deposits to total assets | 83.2721% | 4,472 |
| Equity capital to assets | 10.8853% | 2,878 |
| Core capital (leverage) ratio | 11.5078% | 2,036 |
| Tier 1 risk-based capital ratio | 16.2497% | 3,061 |
| Total risk-based capital ratio | 17.2300% | 3,160 |
| Memoranda: | ||
| Average total assets | $166,385,500 | 3,503 |
| Average earning assets | $156,587,250 | 3,430 |
| Average equity | $18,253,750 | 3,412 |
| Average total loans | $117,322,750 | 3,114 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 745 |
| Cost of funding earning assets | 0.7327% | 1,818 |
| Net interest margin | 4.3862% | 873 |
| Noninterest income to average assets | 0.8460% | 2,014 |
| Noninterest expense to average assets | 2.6067% | 4,357 |
| Loan and lease loss provision to assets | -0.0398% | 6,632 |
| Net operating income to assets | 2.4126% | 191 |
| Return on assets (ROA) | 2.8236% | 129 |
| Pretax return on assets | 2.8236% | 175 |
| Return on Equity (ROE) | 25.6701% | 116 |
| Retained earnings to average equity (ytd only) | 16.9053% | 160 |
| Net charge-offs to loans | 0.2805% | 2,081 |
| Credit loss provision to net charge-offs | -20.0000% | 5,476 |
| Earnings coverage of net charge-offs (x) | 11.9333% | 2,022 |
| Efficiency ratio | 52.3475% | 6,263 |
| Assets per employee ($millions) | 3.6391% | 4,536 |
| Cash dividends to net income (ytd only)* | 34.1443% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 5,944 |
| Loan loss allowance to noncurrent loans | 379.6667% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7511% | 4,334 |
| Noncurrent loans to loans | 0.2544% | 5,671 |
| Net loans and leases to total assets | 71.3180% | 1,674 |
| Net loans and leases to deposits | 85.8964% | 1,587 |
| Net loans and leases to core deposits | 87.3398% | 2,188 |
| Total domestic deposits to total assets | 83.0280% | 4,690 |
| Equity capital to assets | 10.8734% | 2,872 |
| Core capital (leverage) ratio | 11.1658% | 2,201 |
| Tier 1 risk-based capital ratio | 15.7320% | 3,341 |
| Total risk-based capital ratio | 16.6995% | 3,470 |
| Memoranda: | ||
| Average total assets | $165,958,670 | 3,529 |
| Average earning assets | $156,399,330 | 3,455 |
| Average equity | $18,254,670 | 3,433 |
| Average total loans | $117,638,000 | 3,115 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 807 |
| Cost of funding earning assets | 0.7355% | 1,953 |
| Net interest margin | 4.3245% | 921 |
| Noninterest income to average assets | 0.7901% | 2,164 |
| Noninterest expense to average assets | 2.4782% | 4,833 |
| Loan and lease loss provision to assets | 0.2323% | 1,572 |
| Net operating income to assets | 2.1621% | 262 |
| Return on assets (ROA) | 2.7344% | 135 |
| Pretax return on assets | 2.7344% | 203 |
| Return on Equity (ROE) | 24.7200% | 130 |
| Retained earnings to average equity (ytd only) | 16.0615% | 273 |
| Net charge-offs to loans | 0.0647% | 3,175 |
| Credit loss provision to net charge-offs | 510.5263% | 517 |
| Earnings coverage of net charge-offs (x) | 52.6316% | 649 |
| Efficiency ratio | 50.8600% | 6,445 |
| Assets per employee ($millions) | 3.8563% | 4,241 |
| Cash dividends to net income (ytd only)* | 35.0263% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1971% | 5,195 |
| Loan loss allowance to noncurrent loans | 158.9888% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 4,690 |
| Noncurrent loans to loans | 0.7530% | 4,625 |
| Net loans and leases to total assets | 68.8272% | 1,870 |
| Net loans and leases to deposits | 82.8097% | 1,732 |
| Net loans and leases to core deposits | 83.9575% | 2,328 |
| Total domestic deposits to total assets | 83.1150% | 4,819 |
| Equity capital to assets | 10.9526% | 3,012 |
| Core capital (leverage) ratio | 10.5376% | 2,723 |
| Tier 1 risk-based capital ratio | 15.1410% | 3,744 |
| Total risk-based capital ratio | 16.3501% | 3,727 |
| Memoranda: | ||
| Average total assets | $167,059,000 | 3,546 |
| Average earning assets | $157,706,000 | 3,475 |
| Average equity | $18,479,000 | 3,455 |
| Average total loans | $117,493,000 | 3,134 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 848 |
| Cost of funding earning assets | 0.8243% | 2,473 |
| Net interest margin | 4.5149% | 916 |
| Noninterest income to average assets | 0.8963% | 1,870 |
| Noninterest expense to average assets | 2.6400% | 4,602 |
| Loan and lease loss provision to assets | 0.3047% | 2,241 |
| Net operating income to assets | 2.2172% | 250 |
| Return on assets (ROA) | 2.2988% | 228 |
| Pretax return on assets | 2.2988% | 342 |
| Return on Equity (ROE) | 20.7928% | 270 |
| Retained earnings to average equity (ytd only) | 9.8345% | 623 |
| Net charge-offs to loans | 0.3430% | 2,918 |
| Credit loss provision to net charge-offs | 124.4949% | 2,281 |
| Earnings coverage of net charge-offs (x) | 10.3030% | 2,152 |
| Efficiency ratio | 51.1436% | 6,515 |
| Assets per employee ($millions) | 3.6542% | 4,667 |
| Cash dividends to net income (ytd only)* | 52.7023% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 5,363 |
| Loan loss allowance to noncurrent loans | 203.5008% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 5,094 |
| Noncurrent loans to loans | 0.5626% | 5,124 |
| Net loans and leases to total assets | 70.2076% | 1,808 |
| Net loans and leases to deposits | 85.7173% | 1,549 |
| Net loans and leases to core deposits | 86.7621% | 2,219 |
| Total domestic deposits to total assets | 81.9060% | 5,133 |
| Equity capital to assets | 11.1736% | 2,767 |
| Core capital (leverage) ratio | 10.2695% | 3,051 |
| Tier 1 risk-based capital ratio | 14.7601% | 3,859 |
| Total risk-based capital ratio | 15.9225% | 3,874 |
| Memoranda: | ||
| Average total assets | $161,782,800 | 3,590 |
| Average earning assets | $152,851,000 | 3,498 |
| Average equity | $17,886,000 | 3,491 |
| Average total loans | $115,458,400 | 3,177 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3590% | 904 |
| Cost of funding earning assets | 0.8364% | 2,657 |
| Net interest margin | 4.5227% | 950 |
| Noninterest income to average assets | 0.9061% | 1,810 |
| Noninterest expense to average assets | 2.6150% | 4,691 |
| Loan and lease loss provision to assets | 0.2309% | 2,740 |
| Net operating income to assets | 2.3427% | 229 |
| Return on assets (ROA) | 2.3833% | 231 |
| Pretax return on assets | 2.3833% | 356 |
| Return on Equity (ROE) | 21.6162% | 257 |
| Retained earnings to average equity (ytd only) | 12.6094% | 427 |
| Net charge-offs to loans | 0.0787% | 4,611 |
| Credit loss provision to net charge-offs | 410.2941% | 656 |
| Earnings coverage of net charge-offs (x) | 45.7375% | 803 |
| Efficiency ratio | 50.3987% | 6,559 |
| Assets per employee ($millions) | 3.6908% | 4,566 |
| Cash dividends to net income (ytd only)* | 41.6667% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 5,005 |
| Loan loss allowance to noncurrent loans | 174.8193% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5816% | 5,211 |
| Noncurrent loans to loans | 0.7207% | 4,990 |
| Net loans and leases to total assets | 68.4655% | 2,222 |
| Net loans and leases to deposits | 83.4946% | 1,929 |
| Net loans and leases to core deposits | 84.5010% | 2,643 |
| Total domestic deposits to total assets | 81.9999% | 5,027 |
| Equity capital to assets | 11.2519% | 2,974 |
| Core capital (leverage) ratio | 10.3707% | 3,076 |
| Tier 1 risk-based capital ratio | 14.9587% | 3,871 |
| Total risk-based capital ratio | 16.2095% | 3,830 |
| Memoranda: | ||
| Average total assets | $161,118,250 | 3,633 |
| Average earning assets | $152,561,250 | 3,540 |
| Average equity | $17,764,000 | 3,538 |
| Average total loans | $115,126,250 | 3,216 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4188% | 838 |
| Cost of funding earning assets | 0.8523% | 2,779 |
| Net interest margin | 4.5665% | 879 |
| Noninterest income to average assets | 0.9520% | 1,606 |
| Noninterest expense to average assets | 2.6489% | 4,613 |
| Loan and lease loss provision to assets | 0.2559% | 2,533 |
| Net operating income to assets | 2.3680% | 211 |
| Return on assets (ROA) | 2.4294% | 224 |
| Pretax return on assets | 2.4294% | 331 |
| Return on Equity (ROE) | 22.1929% | 245 |
| Retained earnings to average equity (ytd only) | 13.0270% | 436 |
| Net charge-offs to loans | 0.0747% | 4,398 |
| Credit loss provision to net charge-offs | 474.4186% | 638 |
| Earnings coverage of net charge-offs (x) | 48.6512% | 745 |
| Efficiency ratio | 50.2379% | 6,629 |
| Assets per employee ($millions) | 3.5243% | 4,935 |
| Cash dividends to net income (ytd only)* | 41.3010% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,370 |
| Loan loss allowance to noncurrent loans | 404.9133% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 5,897 |
| Noncurrent loans to loans | 0.2955% | 5,970 |
| Net loans and leases to total assets | 71.3701% | 1,665 |
| Net loans and leases to deposits | 87.0471% | 1,468 |
| Net loans and leases to core deposits | 87.9403% | 2,213 |
| Total domestic deposits to total assets | 81.9902% | 5,138 |
| Equity capital to assets | 11.0951% | 3,019 |
| Core capital (leverage) ratio | 10.2055% | 3,137 |
| Tier 1 risk-based capital ratio | 14.4787% | 4,116 |
| Total risk-based capital ratio | 15.7189% | 4,088 |
| Memoranda: | ||
| Average total assets | $159,461,670 | 3,673 |
| Average earning assets | $150,883,000 | 3,586 |
| Average equity | $17,456,000 | 3,575 |
| Average total loans | $115,113,670 | 3,233 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4690% | 797 |
| Cost of funding earning assets | 0.8811% | 2,829 |
| Net interest margin | 4.5878% | 841 |
| Noninterest income to average assets | 0.7867% | 2,227 |
| Noninterest expense to average assets | 2.6813% | 4,497 |
| Loan and lease loss provision to assets | 0.0379% | 4,911 |
| Net operating income to assets | 2.4005% | 206 |
| Return on assets (ROA) | 2.4005% | 251 |
| Pretax return on assets | 2.4005% | 390 |
| Return on Equity (ROE) | 22.0820% | 272 |
| Retained earnings to average equity (ytd only) | 22.0820% | 132 |
| Net charge-offs to loans | 0.0421% | 4,109 |
| Credit loss provision to net charge-offs | 125.0000% | 1,908 |
| Earnings coverage of net charge-offs (x) | 80.3333% | 418 |
| Efficiency ratio | 52.3715% | 6,504 |
| Assets per employee ($millions) | 3.6399% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,970 |
| Loan loss allowance to noncurrent loans | 436.1404% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 5,963 |
| Noncurrent loans to loans | 0.2475% | 6,193 |
| Net loans and leases to total assets | 71.1311% | 1,545 |
| Net loans and leases to deposits | 86.7949% | 1,316 |
| Net loans and leases to core deposits | 87.8856% | 2,067 |
| Total domestic deposits to total assets | 81.9531% | 5,313 |
| Equity capital to assets | 11.0206% | 2,884 |
| Core capital (leverage) ratio | 10.1335% | 3,198 |
| Tier 1 risk-based capital ratio | 14.4388% | 4,155 |
| Total risk-based capital ratio | 15.5489% | 4,216 |
| Memoranda: | ||
| Average total assets | $158,134,000 | 3,720 |
| Average earning assets | $149,352,000 | 3,631 |
| Average equity | $17,190,500 | 3,613 |
| Average total loans | $114,118,500 | 3,274 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6331% | 894 |
| Cost of funding earning assets | 1.0569% | 2,971 |
| Net interest margin | 4.5762% | 967 |
| Noninterest income to average assets | 0.7617% | 2,275 |
| Noninterest expense to average assets | 2.6561% | 4,901 |
| Loan and lease loss provision to assets | 0.2832% | 3,400 |
| Net operating income to assets | 2.1294% | 253 |
| Return on assets (ROA) | 2.1535% | 260 |
| Pretax return on assets | 2.1535% | 402 |
| Return on Equity (ROE) | 21.0318% | 221 |
| Retained earnings to average equity (ytd only) | 10.5413% | 468 |
| Net charge-offs to loans | 0.0886% | 5,447 |
| Credit loss provision to net charge-offs | 462.7660% | 487 |
| Earnings coverage of net charge-offs (x) | 39.4255% | 684 |
| Efficiency ratio | 52.4017% | 6,673 |
| Assets per employee ($millions) | 3.5480% | 4,895 |
| Cash dividends to net income (ytd only)* | 49.8791% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 5,827 |
| Loan loss allowance to noncurrent loans | 370.1493% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.3959% | 5,979 |
| Noncurrent loans to loans | 0.2963% | 6,132 |
| Net loans and leases to total assets | 71.6366% | 1,703 |
| Net loans and leases to deposits | 87.8701% | 1,398 |
| Net loans and leases to core deposits | 89.0093% | 2,250 |
| Total domestic deposits to total assets | 81.5256% | 5,287 |
| Equity capital to assets | 10.7172% | 3,290 |
| Core capital (leverage) ratio | 9.6938% | 3,752 |
| Tier 1 risk-based capital ratio | 13.7467% | 4,520 |
| Total risk-based capital ratio | 14.8668% | 4,577 |
| Memoranda: | ||
| Average total assets | $153,610,600 | 3,743 |
| Average earning assets | $144,574,200 | 3,665 |
| Average equity | $15,728,600 | 3,766 |
| Average total loans | $106,045,600 | 3,474 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6412% | 957 |
| Cost of funding earning assets | 1.0930% | 3,029 |
| Net interest margin | 4.5481% | 1,047 |
| Noninterest income to average assets | 0.7600% | 2,261 |
| Noninterest expense to average assets | 2.6085% | 5,049 |
| Loan and lease loss provision to assets | 0.3355% | 2,868 |
| Net operating income to assets | 2.0951% | 296 |
| Return on assets (ROA) | 2.1161% | 304 |
| Pretax return on assets | 2.1161% | 498 |
| Return on Equity (ROE) | 20.9152% | 259 |
| Retained earnings to average equity (ytd only) | 14.1531% | 288 |
| Net charge-offs to loans | 0.0959% | 5,021 |
| Credit loss provision to net charge-offs | 513.3333% | 533 |
| Earnings coverage of net charge-offs (x) | 37.1857% | 811 |
| Efficiency ratio | 51.7641% | 6,699 |
| Assets per employee ($millions) | 3.7242% | 4,483 |
| Cash dividends to net income (ytd only)* | 32.3311% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,949 |
| Loan loss allowance to noncurrent loans | 266.2996% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 5,801 |
| Noncurrent loans to loans | 0.4068% | 6,037 |
| Net loans and leases to total assets | 68.9367% | 2,292 |
| Net loans and leases to deposits | 85.0286% | 1,832 |
| Net loans and leases to core deposits | 86.1090% | 2,757 |
| Total domestic deposits to total assets | 81.0748% | 5,411 |
| Equity capital to assets | 10.5925% | 3,586 |
| Core capital (leverage) ratio | 9.7612% | 3,753 |
| Tier 1 risk-based capital ratio | 13.7959% | 4,500 |
| Total risk-based capital ratio | 14.8929% | 4,588 |
| Memoranda: | ||
| Average total assets | $152,985,000 | 3,775 |
| Average earning assets | $143,938,000 | 3,697 |
| Average equity | $15,478,000 | 3,828 |
| Average total loans | $104,288,500 | 3,538 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6939% | 885 |
| Cost of funding earning assets | 1.1317% | 3,026 |
| Net interest margin | 4.5622% | 986 |
| Noninterest income to average assets | 0.8340% | 1,872 |
| Noninterest expense to average assets | 2.6228% | 5,103 |
| Loan and lease loss provision to assets | 0.2762% | 3,169 |
| Net operating income to assets | 2.2178% | 256 |
| Return on assets (ROA) | 2.2258% | 269 |
| Pretax return on assets | 2.2258% | 395 |
| Return on Equity (ROE) | 22.3720% | 222 |
| Retained earnings to average equity (ytd only) | 15.0304% | 249 |
| Net charge-offs to loans | 0.0943% | 4,734 |
| Credit loss provision to net charge-offs | 433.3333% | 698 |
| Earnings coverage of net charge-offs (x) | 39.1250% | 754 |
| Efficiency ratio | 51.2588% | 6,856 |
| Assets per employee ($millions) | 3.4532% | 5,074 |
| Cash dividends to net income (ytd only)* | 32.8162% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 6,324 |
| Loan loss allowance to noncurrent loans | 277.9528% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,127 |
| Noncurrent loans to loans | 0.3604% | 6,188 |
| Net loans and leases to total assets | 68.8809% | 2,438 |
| Net loans and leases to deposits | 83.9499% | 2,116 |
| Net loans and leases to core deposits | 85.0614% | 3,067 |
| Total domestic deposits to total assets | 82.0500% | 5,149 |
| Equity capital to assets | 10.5305% | 3,467 |
| Core capital (leverage) ratio | 9.6047% | 3,800 |
| Tier 1 risk-based capital ratio | 14.0637% | 4,127 |
| Total risk-based capital ratio | 15.0778% | 4,259 |
| Memoranda: | ||
| Average total assets | $150,599,670 | 3,837 |
| Average earning assets | $141,380,330 | 3,769 |
| Average equity | $14,983,000 | 3,906 |
| Average total loans | $101,849,670 | 3,635 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6740% | 930 |
| Cost of funding earning assets | 1.1621% | 3,075 |
| Net interest margin | 4.5119% | 1,044 |
| Noninterest income to average assets | 0.7844% | 2,096 |
| Noninterest expense to average assets | 2.6786% | 4,922 |
| Loan and lease loss provision to assets | 0.4029% | 2,180 |
| Net operating income to assets | 1.9289% | 388 |
| Return on assets (ROA) | 1.9289% | 408 |
| Pretax return on assets | 1.9289% | 640 |
| Return on Equity (ROE) | 19.9800% | 329 |
| Retained earnings to average equity (ytd only) | 11.2750% | 847 |
| Net charge-offs to loans | 0.0200% | 4,794 |
| Credit loss provision to net charge-offs | 3,020.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 174.8000% | 183 |
| Efficiency ratio | 53.4611% | 6,746 |
| Assets per employee ($millions) | 3.6512% | 4,651 |
| Cash dividends to net income (ytd only)* | 43.5685% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 6,290 |
| Loan loss allowance to noncurrent loans | 297.7208% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 5,317 |
| Noncurrent loans to loans | 0.3455% | 6,303 |
| Net loans and leases to total assets | 65.5574% | 3,120 |
| Net loans and leases to deposits | 78.7191% | 2,937 |
| Net loans and leases to core deposits | 79.7362% | 3,792 |
| Total domestic deposits to total assets | 83.2802% | 4,802 |
| Equity capital to assets | 9.6126% | 4,299 |
| Core capital (leverage) ratio | 9.1699% | 4,338 |
| Tier 1 risk-based capital ratio | 13.7582% | 4,238 |
| Total risk-based capital ratio | 14.7875% | 4,368 |
| Memoranda: | ||
| Average total assets | $149,930,000 | 3,879 |
| Average earning assets | $140,429,500 | 3,812 |
| Average equity | $14,474,500 | 4,001 |
| Average total loans | $99,916,500 | 3,725 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5997% | 1,888 |
| Cost of funding earning assets | 1.5157% | 2,553 |
| Net interest margin | 4.0840% | 2,644 |
| Noninterest income to average assets | 0.9213% | 1,775 |
| Noninterest expense to average assets | 2.8030% | 4,602 |
| Loan and lease loss provision to assets | 0.1964% | 5,269 |
| Net operating income to assets | 1.7556% | 459 |
| Return on assets (ROA) | 1.8169% | 433 |
| Pretax return on assets | 1.8169% | 733 |
| Return on Equity (ROE) | 18.5930% | 334 |
| Retained earnings to average equity (ytd only) | 9.3285% | 635 |
| Net charge-offs to loans | 0.2744% | 4,651 |
| Credit loss provision to net charge-offs | 109.3023% | 4,035 |
| Earnings coverage of net charge-offs (x) | 10.8643% | 1,664 |
| Efficiency ratio | 58.9484% | 6,206 |
| Assets per employee ($millions) | 3.5734% | 4,767 |
| Cash dividends to net income (ytd only)* | 49.8275% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 6,682 |
| Loan loss allowance to noncurrent loans | 112.5156% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 4,921 |
| Noncurrent loans to loans | 0.8132% | 5,423 |
| Net loans and leases to total assets | 66.4505% | 3,365 |
| Net loans and leases to deposits | 80.2618% | 3,125 |
| Net loans and leases to core deposits | 81.3544% | 3,997 |
| Total domestic deposits to total assets | 82.7922% | 4,884 |
| Equity capital to assets | 9.6977% | 4,141 |
| Core capital (leverage) ratio | 9.1425% | 4,279 |
| Tier 1 risk-based capital ratio | 13.8403% | 3,971 |
| Total risk-based capital ratio | 14.7578% | 4,168 |
| Memoranda: | ||
| Average total assets | $143,597,200 | 3,993 |
| Average earning assets | $134,793,600 | 3,914 |
| Average equity | $14,032,200 | 4,138 |
| Average total loans | $94,029,600 | 3,951 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6005% | 2,056 |
| Cost of funding earning assets | 1.5844% | 2,480 |
| Net interest margin | 4.0161% | 3,023 |
| Noninterest income to average assets | 0.9248% | 1,710 |
| Noninterest expense to average assets | 2.8398% | 4,312 |
| Loan and lease loss provision to assets | 0.1708% | 5,334 |
| Net operating income to assets | 1.6873% | 639 |
| Return on assets (ROA) | 1.7162% | 660 |
| Pretax return on assets | 1.7162% | 1,085 |
| Return on Equity (ROE) | 17.5286% | 527 |
| Retained earnings to average equity (ytd only) | 10.9994% | 609 |
| Net charge-offs to loans | 0.3069% | 4,127 |
| Credit loss provision to net charge-offs | 85.5140% | 4,944 |
| Earnings coverage of net charge-offs (x) | 9.3036% | 2,042 |
| Efficiency ratio | 60.4489% | 5,882 |
| Assets per employee ($millions) | 3.2859% | 5,502 |
| Cash dividends to net income (ytd only)* | 37.2485% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8729% | 6,829 |
| Loan loss allowance to noncurrent loans | 59.1451% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.0361% | 5,034 |
| Noncurrent loans to loans | 1.4759% | 4,416 |
| Net loans and leases to total assets | 64.8186% | 3,945 |
| Net loans and leases to deposits | 80.1405% | 3,425 |
| Net loans and leases to core deposits | 81.2471% | 4,350 |
| Total domestic deposits to total assets | 80.8812% | 5,420 |
| Equity capital to assets | 10.0876% | 4,045 |
| Core capital (leverage) ratio | 9.0639% | 4,583 |
| Tier 1 risk-based capital ratio | 14.1841% | 3,700 |
| Total risk-based capital ratio | 15.0771% | 3,927 |
| Memoranda: | ||
| Average total assets | $142,869,250 | 4,061 |
| Average earning assets | $134,222,250 | 3,985 |
| Average equity | $13,988,250 | 4,202 |
| Average total loans | $92,973,250 | 4,053 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6334% | 2,010 |
| Cost of funding earning assets | 1.6484% | 2,398 |
| Net interest margin | 3.9851% | 3,089 |
| Noninterest income to average assets | 0.8952% | 1,706 |
| Noninterest expense to average assets | 2.8909% | 4,115 |
| Loan and lease loss provision to assets | 0.0708% | 6,242 |
| Net operating income to assets | 1.6728% | 613 |
| Return on assets (ROA) | 1.7181% | 626 |
| Pretax return on assets | 1.7181% | 1,030 |
| Return on Equity (ROE) | 17.7352% | 492 |
| Retained earnings to average equity (ytd only) | 11.0827% | 640 |
| Net charge-offs to loans | 0.3815% | 3,452 |
| Credit loss provision to net charge-offs | 28.5714% | 5,756 |
| Earnings coverage of net charge-offs (x) | 7.0343% | 2,369 |
| Efficiency ratio | 62.3778% | 5,633 |
| Assets per employee ($millions) | 3.3505% | 5,307 |
| Cash dividends to net income (ytd only)* | 37.5103% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 7,033 |
| Loan loss allowance to noncurrent loans | 58.1846% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 0.9745% | 5,189 |
| Noncurrent loans to loans | 1.3737% | 4,649 |
| Net loans and leases to total assets | 64.6096% | 4,131 |
| Net loans and leases to deposits | 79.3685% | 3,719 |
| Net loans and leases to core deposits | 80.4865% | 4,635 |
| Total domestic deposits to total assets | 81.4046% | 5,241 |
| Equity capital to assets | 9.9554% | 4,071 |
| Core capital (leverage) ratio | 9.0940% | 4,469 |
| Tier 1 risk-based capital ratio | 14.0868% | 3,670 |
| Total risk-based capital ratio | 14.8988% | 3,936 |
| Memoranda: | ||
| Average total assets | $141,204,000 | 4,115 |
| Average earning assets | $132,494,670 | 4,047 |
| Average equity | $13,679,000 | 4,274 |
| Average total loans | $91,735,000 | 4,111 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 2,254 |
| Cost of funding earning assets | 1.7052% | 2,363 |
| Net interest margin | 3.8718% | 3,447 |
| Noninterest income to average assets | 0.8471% | 1,823 |
| Noninterest expense to average assets | 2.9964% | 3,690 |
| Loan and lease loss provision to assets | 0.0029% | 6,545 |
| Net operating income to assets | 1.4739% | 938 |
| Return on assets (ROA) | 1.5111% | 943 |
| Pretax return on assets | 1.5111% | 1,486 |
| Return on Equity (ROE) | 15.8238% | 743 |
| Retained earnings to average equity (ytd only) | 9.0807% | 1,378 |
| Net charge-offs to loans | 0.0441% | 4,973 |
| Credit loss provision to net charge-offs | 10.0000% | 5,047 |
| Earnings coverage of net charge-offs (x) | 51.6000% | 562 |
| Efficiency ratio | 66.9866% | 4,923 |
| Assets per employee ($millions) | 3.3167% | 5,506 |
| Cash dividends to net income (ytd only)* | 42.6136% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 6,695 |
| Loan loss allowance to noncurrent loans | 70.3493% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 5,208 |
| Noncurrent loans to loans | 1.3408% | 4,736 |
| Net loans and leases to total assets | 63.7689% | 4,382 |
| Net loans and leases to deposits | 77.9268% | 4,059 |
| Net loans and leases to core deposits | 79.0161% | 4,890 |
| Total domestic deposits to total assets | 81.8319% | 5,140 |
| Equity capital to assets | 9.5093% | 4,520 |
| Core capital (leverage) ratio | 8.9454% | 4,655 |
| Tier 1 risk-based capital ratio | 13.9531% | 3,690 |
| Total risk-based capital ratio | 14.9155% | 3,841 |
| Memoranda: | ||
| Average total assets | $139,769,500 | 4,200 |
| Average earning assets | $130,894,000 | 4,134 |
| Average equity | $13,347,000 | 4,394 |
| Average total loans | $90,685,000 | 4,187 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9687% | 1,995 |
| Cost of funding earning assets | 1.9603% | 3,152 |
| Net interest margin | 4.0084% | 2,820 |
| Noninterest income to average assets | 1.0923% | 1,289 |
| Noninterest expense to average assets | 2.8638% | 4,687 |
| Loan and lease loss provision to assets | 0.1713% | 5,977 |
| Net operating income to assets | 1.8475% | 324 |
| Return on assets (ROA) | 1.8813% | 310 |
| Pretax return on assets | 1.8813% | 534 |
| Return on Equity (ROE) | 19.8824% | 251 |
| Retained earnings to average equity (ytd only) | 9.7342% | 395 |
| Net charge-offs to loans | 0.1335% | 5,865 |
| Credit loss provision to net charge-offs | 199.1071% | 1,969 |
| Earnings coverage of net charge-offs (x) | 23.4643% | 932 |
| Efficiency ratio | 58.6532% | 6,671 |
| Assets per employee ($millions) | 3.1842% | 5,757 |
| Cash dividends to net income (ytd only)* | 51.0412% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 6,499 |
| Loan loss allowance to noncurrent loans | 162.3377% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.7325% | 5,648 |
| Noncurrent loans to loans | 0.6018% | 6,034 |
| Net loans and leases to total assets | 64.7695% | 4,424 |
| Net loans and leases to deposits | 77.3862% | 4,487 |
| Net loans and leases to core deposits | 93.0469% | 4,775 |
| Total domestic deposits to total assets | 83.6964% | 4,178 |
| Equity capital to assets | 9.5909% | 4,279 |
| Core capital (leverage) ratio | 8.8750% | 4,631 |
| Tier 1 risk-based capital ratio | 13.8494% | 3,600 |
| Total risk-based capital ratio | 14.8385% | 3,710 |
| Memoranda: | ||
| Average total assets | $130,178,600 | 4,334 |
| Average earning assets | $123,092,400 | 4,240 |
| Average equity | $12,317,400 | 4,675 |
| Average total loans | $83,898,400 | 4,388 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9916% | 2,074 |
| Cost of funding earning assets | 1.9757% | 3,484 |
| Net interest margin | 4.0159% | 2,742 |
| Noninterest income to average assets | 1.1248% | 1,250 |
| Noninterest expense to average assets | 2.9210% | 4,363 |
| Loan and lease loss provision to assets | 0.1868% | 5,508 |
| Net operating income to assets | 1.8283% | 415 |
| Return on assets (ROA) | 1.8595% | 415 |
| Pretax return on assets | 1.8595% | 717 |
| Return on Equity (ROE) | 19.7236% | 327 |
| Retained earnings to average equity (ytd only) | 12.1842% | 327 |
| Net charge-offs to loans | 0.2489% | 4,493 |
| Credit loss provision to net charge-offs | 116.8831% | 4,351 |
| Earnings coverage of net charge-offs (x) | 12.6103% | 1,744 |
| Efficiency ratio | 59.1760% | 6,536 |
| Assets per employee ($millions) | 3.2243% | 5,589 |
| Cash dividends to net income (ytd only)* | 38.2255% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9019% | 6,750 |
| Loan loss allowance to noncurrent loans | 142.5993% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 6,199 |
| Noncurrent loans to loans | 0.6325% | 6,032 |
| Net loans and leases to total assets | 64.0989% | 4,848 |
| Net loans and leases to deposits | 77.3413% | 4,840 |
| Net loans and leases to core deposits | 92.1476% | 5,219 |
| Total domestic deposits to total assets | 82.8780% | 4,284 |
| Equity capital to assets | 9.6447% | 4,562 |
| Core capital (leverage) ratio | 9.0999% | 4,491 |
| Tier 1 risk-based capital ratio | 14.2735% | 3,399 |
| Total risk-based capital ratio | 15.2008% | 3,526 |
| Memoranda: | ||
| Average total assets | $128,493,000 | 4,400 |
| Average earning assets | $121,945,250 | 4,300 |
| Average equity | $12,113,750 | 4,763 |
| Average total loans | $82,483,500 | 4,469 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0828% | 1,845 |
| Cost of funding earning assets | 1.9975% | 3,789 |
| Net interest margin | 4.0853% | 2,374 |
| Noninterest income to average assets | 1.1697% | 1,145 |
| Noninterest expense to average assets | 2.9750% | 4,184 |
| Loan and lease loss provision to assets | 0.1633% | 5,427 |
| Net operating income to assets | 1.9083% | 367 |
| Return on assets (ROA) | 1.9575% | 359 |
| Pretax return on assets | 1.9575% | 619 |
| Return on Equity (ROE) | 20.9358% | 285 |
| Retained earnings to average equity (ytd only) | 13.2226% | 306 |
| Net charge-offs to loans | 0.3194% | 3,586 |
| Credit loss provision to net charge-offs | 79.8450% | 5,205 |
| Earnings coverage of net charge-offs (x) | 10.1318% | 2,029 |
| Efficiency ratio | 58.9510% | 6,702 |
| Assets per employee ($millions) | 3.2237% | 5,525 |
| Cash dividends to net income (ytd only)* | 36.8421% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 6,770 |
| Loan loss allowance to noncurrent loans | 165.8427% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 6,361 |
| Noncurrent loans to loans | 0.5426% | 6,183 |
| Net loans and leases to total assets | 61.4923% | 5,435 |
| Net loans and leases to deposits | 74.3950% | 5,393 |
| Net loans and leases to core deposits | 88.1336% | 5,710 |
| Total domestic deposits to total assets | 82.6566% | 4,398 |
| Equity capital to assets | 9.0913% | 5,172 |
| Core capital (leverage) ratio | 9.0708% | 4,514 |
| Tier 1 risk-based capital ratio | 14.5087% | 3,237 |
| Total risk-based capital ratio | 15.4135% | 3,360 |
| Memoranda: | ||
| Average total assets | $126,183,330 | 4,470 |
| Average earning assets | $119,747,670 | 4,375 |
| Average equity | $11,798,000 | 4,870 |
| Average total loans | $80,780,000 | 4,565 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2534% | 1,432 |
| Cost of funding earning assets | 2.0513% | 3,866 |
| Net interest margin | 4.2021% | 1,896 |
| Noninterest income to average assets | 1.2696% | 887 |
| Noninterest expense to average assets | 3.0814% | 3,444 |
| Loan and lease loss provision to assets | 0.0552% | 6,274 |
| Net operating income to assets | 2.1106% | 279 |
| Return on assets (ROA) | 2.1495% | 300 |
| Pretax return on assets | 2.1495% | 495 |
| Return on Equity (ROE) | 22.6538% | 278 |
| Retained earnings to average equity (ytd only) | 22.6538% | 118 |
| Net charge-offs to loans | 0.1796% | 3,564 |
| Credit loss provision to net charge-offs | 47.2222% | 4,722 |
| Earnings coverage of net charge-offs (x) | 18.5278% | 1,462 |
| Efficiency ratio | 58.7252% | 6,586 |
| Assets per employee ($millions) | 3.0960% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,684 |
| Loan loss allowance to noncurrent loans | 107.0402% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 5,826 |
| Noncurrent loans to loans | 0.8525% | 5,321 |
| Net loans and leases to total assets | 63.7292% | 5,037 |
| Net loans and leases to deposits | 74.7924% | 5,380 |
| Net loans and leases to core deposits | 86.8912% | 5,839 |
| Total domestic deposits to total assets | 85.2081% | 3,100 |
| Equity capital to assets | 9.6428% | 4,465 |
| Core capital (leverage) ratio | 9.3790% | 4,133 |
| Tier 1 risk-based capital ratio | 14.8425% | 3,139 |
| Total risk-based capital ratio | 15.7863% | 3,219 |
| Memoranda: | ||
| Average total assets | $123,189,500 | 4,571 |
| Average earning assets | $116,608,500 | 4,469 |
| Average equity | $11,689,000 | 4,927 |
| Average total loans | $80,163,500 | 4,613 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6978% | 2,031 |
| Cost of funding earning assets | 2.4065% | 4,697 |
| Net interest margin | 4.2913% | 2,010 |
| Noninterest income to average assets | 1.0213% | 1,521 |
| Noninterest expense to average assets | 3.0001% | 4,082 |
| Loan and lease loss provision to assets | 0.0484% | 6,810 |
| Net operating income to assets | 2.0060% | 349 |
| Return on assets (ROA) | 2.0425% | 303 |
| Pretax return on assets | 2.0425% | 544 |
| Return on Equity (ROE) | 22.5309% | 233 |
| Retained earnings to average equity (ytd only) | 10.8156% | 349 |
| Net charge-offs to loans | -0.0160% | 7,900 |
| Credit loss provision to net charge-offs | -475.0000% | 7,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3545% | 6,463 |
| Assets per employee ($millions) | 2.9861% | 6,089 |
| Cash dividends to net income (ytd only)* | 51.9967% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 6,262 |
| Loan loss allowance to noncurrent loans | 105.2342% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 5,374 |
| Noncurrent loans to loans | 0.9226% | 4,778 |
| Net loans and leases to total assets | 65.2384% | 5,004 |
| Net loans and leases to deposits | 77.6716% | 5,383 |
| Net loans and leases to core deposits | 90.4851% | 5,758 |
| Total domestic deposits to total assets | 83.9926% | 3,324 |
| Equity capital to assets | 9.3248% | 4,913 |
| Core capital (leverage) ratio | 9.3156% | 4,277 |
| Tier 1 risk-based capital ratio | 14.8729% | 3,115 |
| Total risk-based capital ratio | 15.9009% | 3,146 |
| Memoranda: | ||
| Average total assets | $117,697,600 | 4,573 |
| Average earning assets | $110,618,000 | 4,496 |
| Average equity | $10,669,800 | 5,222 |
| Average total loans | $74,862,000 | 4,698 |