Home > The Bank of Monroe > Performance and Condition Ratios
The Bank of Monroe, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 3,178 |
| Cost of funding earning assets | 0.8385% | 3,635 |
| Net interest margin | 3.6167% | 1,940 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.6925% | 1,757 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1667% | 1,735 |
| Return on assets (ROA) | 1.1663% | 1,713 |
| Pretax return on assets | 1.4125% | 1,606 |
| Return on Equity (ROE) | 11.7200% | 2,033 |
| Retained earnings to average equity (ytd only) | 9.3494% | 1,171 |
| Net charge-offs to loans | 0.0082% | 2,362 |
| Credit loss provision to net charge-offs | 950.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 309.1000% | 425 |
| Efficiency ratio | 64.4545% | 2,551 |
| Assets per employee ($millions) | 5.6913% | 3,084 |
| Cash dividends to net income (ytd only)* | 20.2184% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 1,917 |
| Loan loss allowance to noncurrent loans | 4,458.3333% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,638 |
| Noncurrent loans to loans | 0.0285% | 3,536 |
| Net loans and leases to total assets | 56.1800% | 3,177 |
| Net loans and leases to deposits | 62.9652% | 3,349 |
| Net loans and leases to core deposits | 68.1802% | 3,395 |
| Total domestic deposits to total assets | 89.2200% | 996 |
| Equity capital to assets | 10.4505% | 1,749 |
| Core capital (leverage) ratio | 12.6105% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0588% | 535 |
| Memoranda: | ||
| Average total assets | $212,033,000 | 2,898 |
| Average earning assets | $195,701,800 | 2,907 |
| Average equity | $21,103,000 | 2,765 |
| Average total loans | $122,449,800 | 2,926 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 3,181 |
| Cost of funding earning assets | 0.6997% | 3,767 |
| Net interest margin | 3.6585% | 1,866 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 2.6787% | 1,725 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2406% | 1,672 |
| Return on assets (ROA) | 1.2401% | 1,673 |
| Pretax return on assets | 1.4984% | 1,555 |
| Return on Equity (ROE) | 12.6300% | 1,970 |
| Retained earnings to average equity (ytd only) | 9.3876% | 1,579 |
| Net charge-offs to loans | 0.0022% | 2,478 |
| Credit loss provision to net charge-offs | 2,250.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 1,200.5000% | 134 |
| Efficiency ratio | 63.2733% | 2,589 |
| Assets per employee ($millions) | 5.3086% | 3,344 |
| Cash dividends to net income (ytd only)* | 25.6542% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 2,291 |
| Loan loss allowance to noncurrent loans | 4,447.0588% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,680 |
| Noncurrent loans to loans | 0.0273% | 3,577 |
| Net loans and leases to total assets | 57.9400% | 3,033 |
| Net loans and leases to deposits | 64.1042% | 3,260 |
| Net loans and leases to core deposits | 69.4511% | 3,234 |
| Total domestic deposits to total assets | 90.3800% | 846 |
| Equity capital to assets | 9.2783% | 2,237 |
| Core capital (leverage) ratio | 12.8254% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7275% | 571 |
| Memoranda: | ||
| Average total assets | $209,551,250 | 2,923 |
| Average earning assets | $193,227,000 | 2,930 |
| Average equity | $20,579,750 | 2,797 |
| Average total loans | $121,489,000 | 2,933 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2587% | 3,181 |
| Cost of funding earning assets | 0.5574% | 3,863 |
| Net interest margin | 3.7013% | 1,808 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 2.6450% | 1,808 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.3065% | 1,558 |
| Return on assets (ROA) | 1.3057% | 1,543 |
| Pretax return on assets | 1.5866% | 1,433 |
| Return on Equity (ROE) | 13.0500% | 1,888 |
| Retained earnings to average equity (ytd only) | 13.0508% | 800 |
| Net charge-offs to loans | 0.0050% | 2,095 |
| Credit loss provision to net charge-offs | 666.6667% | 538 |
| Earnings coverage of net charge-offs (x) | 558.6667% | 260 |
| Efficiency ratio | 61.8038% | 2,736 |
| Assets per employee ($millions) | 5.5019% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,399 |
| Loan loss allowance to noncurrent loans | 2,063.8889% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 3,440 |
| Noncurrent loans to loans | 0.0585% | 3,278 |
| Net loans and leases to total assets | 58.1100% | 2,955 |
| Net loans and leases to deposits | 64.9331% | 3,129 |
| Net loans and leases to core deposits | 69.5302% | 3,155 |
| Total domestic deposits to total assets | 89.5000% | 1,082 |
| Equity capital to assets | 10.2649% | 1,704 |
| Core capital (leverage) ratio | 13.3775% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9283% | 557 |
| Memoranda: | ||
| Average total assets | $208,620,000 | 2,941 |
| Average earning assets | $192,689,000 | 2,946 |
| Average equity | $20,872,333 | 2,787 |
| Average total loans | $120,473,000 | 2,942 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,186 |
| Cost of funding earning assets | 0.3969% | 3,972 |
| Net interest margin | 3.7325% | 1,821 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.6162% | 1,907 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4066% | 1,389 |
| Return on assets (ROA) | 1.4050% | 1,367 |
| Pretax return on assets | 1.6795% | 1,317 |
| Return on Equity (ROE) | 14.2300% | 1,736 |
| Retained earnings to average equity (ytd only) | 14.2288% | 913 |
| Net charge-offs to loans | 0.0168% | 1,350 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 175.2000% | 552 |
| Efficiency ratio | 60.4734% | 2,896 |
| Assets per employee ($millions) | 5.6370% | 3,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,466 |
| Loan loss allowance to noncurrent loans | 1,926.3158% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,421 |
| Noncurrent loans to loans | 0.0632% | 3,283 |
| Net loans and leases to total assets | 56.9200% | 2,964 |
| Net loans and leases to deposits | 63.5853% | 3,123 |
| Net loans and leases to core deposits | 67.6304% | 3,122 |
| Total domestic deposits to total assets | 89.5200% | 1,334 |
| Equity capital to assets | 10.2183% | 1,713 |
| Core capital (leverage) ratio | 13.1339% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8692% | 580 |
| Memoranda: | ||
| Average total assets | $208,394,500 | 2,983 |
| Average earning assets | $192,470,500 | 2,979 |
| Average equity | $20,578,000 | 2,836 |
| Average total loans | $119,218,000 | 2,986 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 2,239 |
| Cost of funding earning assets | 0.1757% | 3,945 |
| Net interest margin | 3.6377% | 1,529 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 2.7374% | 1,472 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.3694% | 1,212 |
| Return on assets (ROA) | 1.3187% | 1,323 |
| Pretax return on assets | 1.5127% | 1,413 |
| Return on Equity (ROE) | 13.0100% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.5925% | 984 |
| Net charge-offs to loans | 0.0009% | 2,553 |
| Credit loss provision to net charge-offs | 22,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 3,432.0000% | 42 |
| Efficiency ratio | 61.5521% | 2,828 |
| Assets per employee ($millions) | 5.4795% | 3,239 |
| Cash dividends to net income (ytd only)* | 18.5736% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 1,770 |
| Loan loss allowance to noncurrent loans | 1,891.5663% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 3,398 |
| Noncurrent loans to loans | 0.0702% | 3,250 |
| Net loans and leases to total assets | 56.0400% | 3,025 |
| Net loans and leases to deposits | 62.0305% | 3,195 |
| Net loans and leases to core deposits | 65.2904% | 3,181 |
| Total domestic deposits to total assets | 90.3400% | 1,227 |
| Equity capital to assets | 9.5303% | 1,981 |
| Core capital (leverage) ratio | 12.8531% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3250% | 602 |
| Memoranda: | ||
| Average total assets | $204,138,800 | 3,026 |
| Average earning assets | $188,360,600 | 3,009 |
| Average equity | $20,693,800 | 2,887 |
| Average total loans | $112,112,400 | 3,005 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 2,049 |
| Cost of funding earning assets | 0.1608% | 3,725 |
| Net interest margin | 3.5407% | 1,545 |
| Noninterest income to average assets | 1.1500% | 538 |
| Noninterest expense to average assets | 2.7031% | 1,464 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.4297% | 1,007 |
| Return on assets (ROA) | 1.4297% | 979 |
| Pretax return on assets | 1.6286% | 1,051 |
| Return on Equity (ROE) | 13.8900% | 1,459 |
| Retained earnings to average equity (ytd only) | 13.8902% | 478 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8418% | 3,007 |
| Assets per employee ($millions) | 5.0059% | 3,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,128 |
| Loan loss allowance to noncurrent loans | 2,163.2353% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,598 |
| Noncurrent loans to loans | 0.0592% | 3,458 |
| Net loans and leases to total assets | 53.9600% | 3,107 |
| Net loans and leases to deposits | 59.3085% | 3,258 |
| Net loans and leases to core deposits | 62.3545% | 3,224 |
| Total domestic deposits to total assets | 90.9900% | 1,247 |
| Equity capital to assets | 8.8772% | 2,299 |
| Core capital (leverage) ratio | 12.8081% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5286% | 600 |
| Memoranda: | ||
| Average total assets | $203,118,250 | 3,049 |
| Average earning assets | $187,378,750 | 3,036 |
| Average equity | $20,906,250 | 2,913 |
| Average total loans | $110,576,750 | 3,034 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 1,752 |
| Cost of funding earning assets | 0.1587% | 3,470 |
| Net interest margin | 3.4697% | 1,395 |
| Noninterest income to average assets | 1.3251% | 403 |
| Noninterest expense to average assets | 2.7139% | 1,356 |
| Loan and lease loss provision to assets | 0.1245% | 786 |
| Net operating income to assets | 1.5233% | 666 |
| Return on assets (ROA) | 1.5233% | 647 |
| Pretax return on assets | 1.6887% | 773 |
| Return on Equity (ROE) | 14.1223% | 1,083 |
| Retained earnings to average equity (ytd only) | 14.1223% | 348 |
| Net charge-offs to loans | -0.0073% | 3,467 |
| Credit loss provision to net charge-offs | -3,125.0000% | 3,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5511% | 3,357 |
| Assets per employee ($millions) | 4.8035% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 2,266 |
| Loan loss allowance to noncurrent loans | 1,940.7895% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 3,604 |
| Noncurrent loans to loans | 0.0661% | 3,468 |
| Net loans and leases to total assets | 56.2485% | 2,727 |
| Net loans and leases to deposits | 62.7698% | 2,828 |
| Net loans and leases to core deposits | 65.8655% | 2,831 |
| Total domestic deposits to total assets | 89.6107% | 1,894 |
| Equity capital to assets | 10.0190% | 1,708 |
| Core capital (leverage) ratio | 12.5904% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3093% | 603 |
| Memoranda: | ||
| Average total assets | $200,742,000 | 3,091 |
| Average earning assets | $185,259,333 | 3,099 |
| Average equity | $21,653,667 | 2,933 |
| Average total loans | $109,125,667 | 3,074 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6089% | 1,484 |
| Cost of funding earning assets | 0.1621% | 3,341 |
| Net interest margin | 3.4468% | 1,191 |
| Noninterest income to average assets | 0.8650% | 901 |
| Noninterest expense to average assets | 2.5989% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2425% | 1,134 |
| Return on assets (ROA) | 1.2425% | 1,121 |
| Pretax return on assets | 1.4523% | 1,124 |
| Return on Equity (ROE) | 11.1201% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.1201% | 760 |
| Net charge-offs to loans | -0.0377% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7081% | 3,066 |
| Assets per employee ($millions) | 5.0984% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 2,659 |
| Loan loss allowance to noncurrent loans | 2,825.0000% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,811 |
| Noncurrent loans to loans | 0.0438% | 3,666 |
| Net loans and leases to total assets | 53.0554% | 2,871 |
| Net loans and leases to deposits | 59.3440% | 2,966 |
| Net loans and leases to core deposits | 62.1169% | 2,964 |
| Total domestic deposits to total assets | 89.4030% | 1,865 |
| Equity capital to assets | 10.4724% | 1,601 |
| Core capital (leverage) ratio | 12.2791% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5870% | 594 |
| Memoranda: | ||
| Average total assets | $200,240,000 | 3,105 |
| Average earning assets | $185,100,000 | 3,107 |
| Average equity | $22,374,000 | 2,951 |
| Average total loans | $106,211,500 | 3,108 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 1,799 |
| Cost of funding earning assets | 0.2238% | 3,210 |
| Net interest margin | 3.6045% | 1,455 |
| Noninterest income to average assets | 0.8696% | 1,280 |
| Noninterest expense to average assets | 2.6287% | 1,802 |
| Loan and lease loss provision to assets | 0.1212% | 1,020 |
| Net operating income to assets | 1.1862% | 1,966 |
| Return on assets (ROA) | 1.2056% | 1,952 |
| Pretax return on assets | 1.4651% | 1,835 |
| Return on Equity (ROE) | 9.7213% | 2,634 |
| Retained earnings to average equity (ytd only) | 9.7213% | 986 |
| Net charge-offs to loans | -0.0611% | 4,412 |
| Credit loss provision to net charge-offs | -362.9032% | 3,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2559% | 2,832 |
| Assets per employee ($millions) | 5.0396% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,317 |
| Loan loss allowance to noncurrent loans | 7,917.6471% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,069 |
| Noncurrent loans to loans | 0.0165% | 3,964 |
| Net loans and leases to total assets | 51.6536% | 3,103 |
| Net loans and leases to deposits | 58.7369% | 3,194 |
| Net loans and leases to core deposits | 61.7545% | 3,189 |
| Total domestic deposits to total assets | 87.9406% | 2,077 |
| Equity capital to assets | 11.9012% | 1,295 |
| Core capital (leverage) ratio | 12.2062% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7400% | 512 |
| Memoranda: | ||
| Average total assets | $185,717,000 | 3,160 |
| Average earning assets | $171,147,400 | 3,173 |
| Average equity | $23,032,000 | 2,981 |
| Average total loans | $101,490,000 | 3,177 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 1,890 |
| Cost of funding earning assets | 0.2374% | 3,238 |
| Net interest margin | 3.6234% | 1,544 |
| Noninterest income to average assets | 0.8757% | 1,307 |
| Noninterest expense to average assets | 2.5659% | 1,941 |
| Loan and lease loss provision to assets | 0.1093% | 1,107 |
| Net operating income to assets | 1.2687% | 1,925 |
| Return on assets (ROA) | 1.2953% | 1,901 |
| Pretax return on assets | 1.5678% | 1,798 |
| Return on Equity (ROE) | 10.3329% | 2,618 |
| Retained earnings to average equity (ytd only) | 10.3329% | 1,220 |
| Net charge-offs to loans | -0.0778% | 4,521 |
| Credit loss provision to net charge-offs | -254.2373% | 3,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4671% | 2,915 |
| Assets per employee ($millions) | 4.7911% | 3,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,736 |
| Loan loss allowance to noncurrent loans | 1,895.5224% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 3,922 |
| Noncurrent loans to loans | 0.0659% | 3,767 |
| Net loans and leases to total assets | 52.3656% | 3,163 |
| Net loans and leases to deposits | 59.8609% | 3,240 |
| Net loans and leases to core deposits | 63.0462% | 3,218 |
| Total domestic deposits to total assets | 87.4788% | 2,116 |
| Equity capital to assets | 12.3339% | 1,246 |
| Core capital (leverage) ratio | 12.7786% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9435% | 489 |
| Memoranda: | ||
| Average total assets | $183,010,250 | 3,222 |
| Average earning assets | $168,454,250 | 3,228 |
| Average equity | $22,942,250 | 3,027 |
| Average total loans | $101,145,500 | 3,225 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 2,232 |
| Cost of funding earning assets | 0.2526% | 3,260 |
| Net interest margin | 3.4874% | 1,891 |
| Noninterest income to average assets | 0.8816% | 1,322 |
| Noninterest expense to average assets | 2.5492% | 1,999 |
| Loan and lease loss provision to assets | 0.0833% | 1,470 |
| Net operating income to assets | 1.2203% | 2,107 |
| Return on assets (ROA) | 1.2613% | 2,061 |
| Pretax return on assets | 1.5022% | 2,007 |
| Return on Equity (ROE) | 10.0041% | 2,737 |
| Retained earnings to average equity (ytd only) | 10.0041% | 1,395 |
| Net charge-offs to loans | -0.1149% | 4,668 |
| Credit loss provision to net charge-offs | -129.3103% | 3,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9022% | 2,743 |
| Assets per employee ($millions) | 4.8552% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 3,165 |
| Loan loss allowance to noncurrent loans | 764.7436% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0846% | 3,641 |
| Noncurrent loans to loans | 0.1511% | 3,444 |
| Net loans and leases to total assets | 55.3307% | 2,977 |
| Net loans and leases to deposits | 63.5115% | 3,053 |
| Net loans and leases to core deposits | 66.7198% | 3,051 |
| Total domestic deposits to total assets | 87.1191% | 2,257 |
| Equity capital to assets | 12.6229% | 1,077 |
| Core capital (leverage) ratio | 12.8368% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3748% | 521 |
| Memoranda: | ||
| Average total assets | $180,132,667 | 3,248 |
| Average earning assets | $165,509,667 | 3,264 |
| Average equity | $22,710,667 | 3,040 |
| Average total loans | $100,985,667 | 3,241 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 2,135 |
| Cost of funding earning assets | 0.2720% | 3,250 |
| Net interest margin | 3.5164% | 1,783 |
| Noninterest income to average assets | 0.9261% | 1,264 |
| Noninterest expense to average assets | 2.6007% | 1,882 |
| Loan and lease loss provision to assets | 0.1124% | 1,230 |
| Net operating income to assets | 1.2014% | 2,141 |
| Return on assets (ROA) | 1.2835% | 1,947 |
| Pretax return on assets | 1.5375% | 1,892 |
| Return on Equity (ROE) | 10.1867% | 2,633 |
| Retained earnings to average equity (ytd only) | 10.1867% | 1,606 |
| Net charge-offs to loans | -0.2444% | 4,818 |
| Credit loss provision to net charge-offs | -81.9672% | 2,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1548% | 2,730 |
| Assets per employee ($millions) | 4.6938% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,192 |
| Loan loss allowance to noncurrent loans | 470.2811% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 3,489 |
| Noncurrent loans to loans | 0.2445% | 3,220 |
| Net loans and leases to total assets | 54.9888% | 3,145 |
| Net loans and leases to deposits | 63.3055% | 3,189 |
| Net loans and leases to core deposits | 66.5266% | 3,197 |
| Total domestic deposits to total assets | 86.8627% | 2,363 |
| Equity capital to assets | 12.2747% | 1,165 |
| Core capital (leverage) ratio | 13.0395% | 833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1262% | 503 |
| Memoranda: | ||
| Average total assets | $177,950,000 | 3,259 |
| Average earning assets | $163,235,000 | 3,280 |
| Average equity | $22,421,500 | 3,048 |
| Average total loans | $99,840,000 | 3,263 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0045% | 2,710 |
| Cost of funding earning assets | 0.4604% | 3,217 |
| Net interest margin | 3.5441% | 2,330 |
| Noninterest income to average assets | 0.9377% | 1,177 |
| Noninterest expense to average assets | 2.8510% | 1,816 |
| Loan and lease loss provision to assets | 0.0827% | 3,345 |
| Net operating income to assets | 1.0259% | 2,196 |
| Return on assets (ROA) | 1.0535% | 2,231 |
| Pretax return on assets | 1.2784% | 2,052 |
| Return on Equity (ROE) | 7.8935% | 2,863 |
| Retained earnings to average equity (ytd only) | 7.8935% | 1,086 |
| Net charge-offs to loans | 0.0641% | 1,859 |
| Credit loss provision to net charge-offs | 228.8136% | 2,027 |
| Earnings coverage of net charge-offs (x) | 36.7119% | 1,453 |
| Efficiency ratio | 67.7031% | 2,267 |
| Assets per employee ($millions) | 4.5484% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 3,543 |
| Loan loss allowance to noncurrent loans | 371.9298% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 3,448 |
| Noncurrent loans to loans | 0.2913% | 3,152 |
| Net loans and leases to total assets | 55.9977% | 3,302 |
| Net loans and leases to deposits | 64.5703% | 3,395 |
| Net loans and leases to core deposits | 67.9069% | 3,420 |
| Total domestic deposits to total assets | 86.7236% | 2,068 |
| Equity capital to assets | 12.9443% | 1,112 |
| Core capital (leverage) ratio | 13.0760% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1317% | 496 |
| Memoranda: | ||
| Average total assets | $163,170,200 | 3,260 |
| Average earning assets | $149,207,800 | 3,273 |
| Average equity | $21,777,400 | 3,030 |
| Average total loans | $91,976,200 | 3,370 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0293% | 2,892 |
| Cost of funding earning assets | 0.4963% | 3,246 |
| Net interest margin | 3.5330% | 2,477 |
| Noninterest income to average assets | 0.9588% | 1,102 |
| Noninterest expense to average assets | 2.8407% | 1,847 |
| Loan and lease loss provision to assets | 0.0790% | 3,329 |
| Net operating income to assets | 1.0470% | 2,158 |
| Return on assets (ROA) | 1.0849% | 2,163 |
| Pretax return on assets | 1.3146% | 1,989 |
| Return on Equity (ROE) | 8.0632% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.0632% | 1,287 |
| Net charge-offs to loans | 0.0810% | 1,491 |
| Credit loss provision to net charge-offs | 172.7273% | 2,219 |
| Earnings coverage of net charge-offs (x) | 29.5455% | 1,598 |
| Efficiency ratio | 67.2871% | 2,283 |
| Assets per employee ($millions) | 4.4927% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,247 |
| Loan loss allowance to noncurrent loans | 624.3902% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 3,954 |
| Noncurrent loans to loans | 0.1750% | 3,680 |
| Net loans and leases to total assets | 54.2991% | 3,779 |
| Net loans and leases to deposits | 62.8526% | 3,875 |
| Net loans and leases to core deposits | 66.7920% | 3,841 |
| Total domestic deposits to total assets | 86.3912% | 1,898 |
| Equity capital to assets | 13.1712% | 1,115 |
| Core capital (leverage) ratio | 13.2277% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5921% | 478 |
| Memoranda: | ||
| Average total assets | $160,752,500 | 3,265 |
| Average earning assets | $146,953,750 | 3,276 |
| Average equity | $21,628,500 | 3,034 |
| Average total loans | $90,508,500 | 3,404 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 2,982 |
| Cost of funding earning assets | 0.5222% | 3,405 |
| Net interest margin | 3.6030% | 2,472 |
| Noninterest income to average assets | 0.9922% | 1,002 |
| Noninterest expense to average assets | 2.8775% | 1,887 |
| Loan and lease loss provision to assets | 0.0889% | 3,162 |
| Net operating income to assets | 1.0863% | 2,014 |
| Return on assets (ROA) | 1.1332% | 1,982 |
| Pretax return on assets | 1.3784% | 1,776 |
| Return on Equity (ROE) | 8.3588% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.3588% | 1,202 |
| Net charge-offs to loans | -0.0022% | 3,842 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5778% | 2,434 |
| Assets per employee ($millions) | 4.5359% | 3,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 2,864 |
| Loan loss allowance to noncurrent loans | 404.2146% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 3,743 |
| Noncurrent loans to loans | 0.2803% | 3,374 |
| Net loans and leases to total assets | 54.8591% | 3,802 |
| Net loans and leases to deposits | 63.5040% | 3,921 |
| Net loans and leases to core deposits | 67.6026% | 3,882 |
| Total domestic deposits to total assets | 86.3868% | 1,850 |
| Equity capital to assets | 13.1061% | 1,120 |
| Core capital (leverage) ratio | 13.3397% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2015% | 439 |
| Memoranda: | ||
| Average total assets | $157,429,667 | 3,276 |
| Average earning assets | $143,993,000 | 3,295 |
| Average equity | $21,342,667 | 3,045 |
| Average total loans | $89,436,667 | 3,421 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 2,935 |
| Cost of funding earning assets | 0.5395% | 3,748 |
| Net interest margin | 3.7563% | 2,121 |
| Noninterest income to average assets | 1.1693% | 640 |
| Noninterest expense to average assets | 2.9534% | 2,004 |
| Loan and lease loss provision to assets | 0.0788% | 2,730 |
| Net operating income to assets | 1.2889% | 1,272 |
| Return on assets (ROA) | 1.2954% | 1,353 |
| Pretax return on assets | 1.5844% | 1,100 |
| Return on Equity (ROE) | 9.3833% | 1,966 |
| Retained earnings to average equity (ytd only) | 9.3833% | 876 |
| Net charge-offs to loans | -0.0046% | 3,839 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5690% | 3,297 |
| Assets per employee ($millions) | 4.4117% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,938 |
| Loan loss allowance to noncurrent loans | 310.3976% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 3,656 |
| Noncurrent loans to loans | 0.3701% | 3,161 |
| Net loans and leases to total assets | 54.9864% | 3,909 |
| Net loans and leases to deposits | 63.8751% | 3,994 |
| Net loans and leases to core deposits | 67.3749% | 4,012 |
| Total domestic deposits to total assets | 86.0843% | 1,968 |
| Equity capital to assets | 13.4881% | 1,223 |
| Core capital (leverage) ratio | 14.3908% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3256% | 479 |
| Memoranda: | ||
| Average total assets | $152,229,500 | 3,300 |
| Average earning assets | $139,393,000 | 3,317 |
| Average equity | $21,016,000 | 3,073 |
| Average total loans | $87,592,500 | 3,451 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 2,794 |
| Cost of funding earning assets | 0.4962% | 4,113 |
| Net interest margin | 4.0491% | 1,686 |
| Noninterest income to average assets | 1.0730% | 825 |
| Noninterest expense to average assets | 3.0902% | 1,787 |
| Loan and lease loss provision to assets | 0.0349% | 3,314 |
| Net operating income to assets | 1.3301% | 1,578 |
| Return on assets (ROA) | 1.3234% | 1,680 |
| Pretax return on assets | 1.6378% | 1,376 |
| Return on Equity (ROE) | 9.4779% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.4779% | 595 |
| Net charge-offs to loans | 0.0223% | 2,965 |
| Credit loss provision to net charge-offs | 263.1579% | 1,054 |
| Earnings coverage of net charge-offs (x) | 126.8947% | 565 |
| Efficiency ratio | 64.2262% | 3,044 |
| Assets per employee ($millions) | 4.1611% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1331% | 2,772 |
| Loan loss allowance to noncurrent loans | 318.4466% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 3,615 |
| Noncurrent loans to loans | 0.3558% | 3,173 |
| Net loans and leases to total assets | 58.9516% | 3,676 |
| Net loans and leases to deposits | 68.9828% | 3,745 |
| Net loans and leases to core deposits | 71.3279% | 3,892 |
| Total domestic deposits to total assets | 85.4585% | 2,316 |
| Equity capital to assets | 14.1515% | 1,041 |
| Core capital (leverage) ratio | 14.4390% | 815 |
| Tier 1 risk-based capital ratio | 23.2484% | 894 |
| Total risk-based capital ratio | 24.3304% | 887 |
| Memoranda: | ||
| Average total assets | $143,423,400 | 3,386 |
| Average earning assets | $130,990,600 | 3,405 |
| Average equity | $20,025,600 | 3,134 |
| Average total loans | $85,074,400 | 3,502 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,945 |
| Cost of funding earning assets | 0.4855% | 4,200 |
| Net interest margin | 4.0499% | 1,764 |
| Noninterest income to average assets | 1.0685% | 804 |
| Noninterest expense to average assets | 3.0853% | 1,743 |
| Loan and lease loss provision to assets | 0.0233% | 3,432 |
| Net operating income to assets | 1.3492% | 1,648 |
| Return on assets (ROA) | 1.3401% | 1,752 |
| Pretax return on assets | 1.6462% | 1,482 |
| Return on Equity (ROE) | 9.6311% | 2,608 |
| Retained earnings to average equity (ytd only) | 9.6311% | 854 |
| Net charge-offs to loans | 0.0299% | 2,474 |
| Credit loss provision to net charge-offs | 131.5789% | 1,807 |
| Earnings coverage of net charge-offs (x) | 94.7994% | 779 |
| Efficiency ratio | 64.2060% | 2,975 |
| Assets per employee ($millions) | 4.0266% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,059 |
| Loan loss allowance to noncurrent loans | 536.3128% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 4,106 |
| Noncurrent loans to loans | 0.2041% | 3,810 |
| Net loans and leases to total assets | 59.8416% | 3,687 |
| Net loans and leases to deposits | 70.4005% | 3,744 |
| Net loans and leases to core deposits | 72.8170% | 3,900 |
| Total domestic deposits to total assets | 85.0017% | 2,426 |
| Equity capital to assets | 14.4603% | 993 |
| Core capital (leverage) ratio | 15.5853% | 626 |
| Tier 1 risk-based capital ratio | 24.4287% | 810 |
| Total risk-based capital ratio | 25.4774% | 812 |
| Memoranda: | ||
| Average total assets | $142,869,750 | 3,431 |
| Average earning assets | $130,436,500 | 3,454 |
| Average equity | $19,879,500 | 3,166 |
| Average total loans | $84,633,000 | 3,555 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 3,016 |
| Cost of funding earning assets | 0.4762% | 4,225 |
| Net interest margin | 4.0240% | 1,847 |
| Noninterest income to average assets | 1.0719% | 741 |
| Noninterest expense to average assets | 3.1117% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3323% | 1,649 |
| Return on assets (ROA) | 1.3265% | 1,727 |
| Pretax return on assets | 1.6262% | 1,464 |
| Return on Equity (ROE) | 9.6624% | 2,552 |
| Retained earnings to average equity (ytd only) | 9.6624% | 860 |
| Net charge-offs to loans | 0.0431% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 64.5000% | 947 |
| Efficiency ratio | 65.0460% | 2,968 |
| Assets per employee ($millions) | 4.0695% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 3,092 |
| Loan loss allowance to noncurrent loans | 503.2258% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1306% | 4,102 |
| Noncurrent loans to loans | 0.2180% | 3,759 |
| Net loans and leases to total assets | 59.2518% | 3,805 |
| Net loans and leases to deposits | 69.5170% | 3,879 |
| Net loans and leases to core deposits | 71.6659% | 4,029 |
| Total domestic deposits to total assets | 85.2336% | 2,371 |
| Equity capital to assets | 14.2623% | 1,026 |
| Core capital (leverage) ratio | 15.1853% | 673 |
| Tier 1 risk-based capital ratio | 23.9088% | 853 |
| Total risk-based capital ratio | 24.9473% | 858 |
| Memoranda: | ||
| Average total assets | $142,174,330 | 3,460 |
| Average earning assets | $129,770,330 | 3,480 |
| Average equity | $19,519,000 | 3,193 |
| Average total loans | $83,609,330 | 3,588 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 3,016 |
| Cost of funding earning assets | 0.4721% | 4,191 |
| Net interest margin | 3.9870% | 1,884 |
| Noninterest income to average assets | 1.1208% | 648 |
| Noninterest expense to average assets | 3.0525% | 1,844 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3828% | 1,427 |
| Return on assets (ROA) | 1.3714% | 1,491 |
| Pretax return on assets | 1.6924% | 1,230 |
| Return on Equity (ROE) | 10.1875% | 2,281 |
| Retained earnings to average equity (ytd only) | 10.1875% | 991 |
| Net charge-offs to loans | 0.0628% | 1,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 46.6154% | 1,068 |
| Efficiency ratio | 63.6095% | 3,299 |
| Assets per employee ($millions) | 4.2376% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 2,980 |
| Loan loss allowance to noncurrent loans | 485.0515% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,125 |
| Noncurrent loans to loans | 0.2324% | 3,746 |
| Net loans and leases to total assets | 57.2794% | 3,962 |
| Net loans and leases to deposits | 66.8961% | 3,993 |
| Net loans and leases to core deposits | 68.9190% | 4,132 |
| Total domestic deposits to total assets | 85.6245% | 2,434 |
| Equity capital to assets | 13.5656% | 1,186 |
| Core capital (leverage) ratio | 14.3262% | 859 |
| Tier 1 risk-based capital ratio | 23.1694% | 919 |
| Total risk-based capital ratio | 24.2350% | 918 |
| Memoranda: | ||
| Average total assets | $142,046,000 | 3,506 |
| Average earning assets | $129,620,500 | 3,520 |
| Average equity | $19,121,500 | 3,252 |
| Average total loans | $82,749,500 | 3,637 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 3,361 |
| Cost of funding earning assets | 0.3016% | 4,563 |
| Net interest margin | 3.9270% | 2,242 |
| Noninterest income to average assets | 0.9917% | 958 |
| Noninterest expense to average assets | 2.9320% | 2,236 |
| Loan and lease loss provision to assets | 0.0895% | 2,354 |
| Net operating income to assets | 1.3126% | 1,746 |
| Return on assets (ROA) | 1.2773% | 1,881 |
| Pretax return on assets | 1.5086% | 1,754 |
| Return on Equity (ROE) | 9.3648% | 2,806 |
| Retained earnings to average equity (ytd only) | 1.4908% | 4,538 |
| Net charge-offs to loans | 0.0658% | 2,180 |
| Credit loss provision to net charge-offs | 245.0980% | 1,211 |
| Earnings coverage of net charge-offs (x) | 44.9020% | 1,211 |
| Efficiency ratio | 64.1347% | 3,170 |
| Assets per employee ($millions) | 4.3754% | 3,334 |
| Cash dividends to net income (ytd only)* | 84.0807% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,755 |
| Loan loss allowance to noncurrent loans | 460.8696% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 4,092 |
| Noncurrent loans to loans | 0.2523% | 3,675 |
| Net loans and leases to total assets | 57.9064% | 3,975 |
| Net loans and leases to deposits | 67.3162% | 4,021 |
| Net loans and leases to core deposits | 69.2173% | 4,157 |
| Total domestic deposits to total assets | 86.0214% | 2,221 |
| Equity capital to assets | 13.3544% | 1,201 |
| Core capital (leverage) ratio | 13.6324% | 1,030 |
| Tier 1 risk-based capital ratio | 22.0487% | 1,025 |
| Total risk-based capital ratio | 23.1417% | 1,026 |
| Memoranda: | ||
| Average total assets | $139,664,600 | 3,509 |
| Average earning assets | $127,324,600 | 3,536 |
| Average equity | $19,050,000 | 3,178 |
| Average total loans | $77,503,400 | 3,716 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1365% | 3,506 |
| Cost of funding earning assets | 0.2756% | 4,652 |
| Net interest margin | 3.8610% | 2,430 |
| Noninterest income to average assets | 1.0326% | 899 |
| Noninterest expense to average assets | 2.9135% | 2,265 |
| Loan and lease loss provision to assets | 0.0716% | 2,527 |
| Net operating income to assets | 1.3342% | 1,724 |
| Return on assets (ROA) | 1.3383% | 1,720 |
| Pretax return on assets | 1.5723% | 1,666 |
| Return on Equity (ROE) | 9.7604% | 2,726 |
| Retained earnings to average equity (ytd only) | 9.7604% | 990 |
| Net charge-offs to loans | 0.0873% | 1,629 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 34.3174% | 1,484 |
| Efficiency ratio | 63.9950% | 3,186 |
| Assets per employee ($millions) | 4.3219% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,065 |
| Loan loss allowance to noncurrent loans | 1,459.6774% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,630 |
| Noncurrent loans to loans | 0.0768% | 4,534 |
| Net loans and leases to total assets | 55.9381% | 4,225 |
| Net loans and leases to deposits | 65.1899% | 4,259 |
| Net loans and leases to core deposits | 67.1176% | 4,345 |
| Total domestic deposits to total assets | 85.8079% | 2,282 |
| Equity capital to assets | 13.7573% | 1,034 |
| Core capital (leverage) ratio | 14.4893% | 826 |
| Tier 1 risk-based capital ratio | 23.1999% | 917 |
| Total risk-based capital ratio | 24.2432% | 913 |
| Memoranda: | ||
| Average total assets | $139,577,250 | 3,550 |
| Average earning assets | $127,252,750 | 3,574 |
| Average equity | $19,138,000 | 3,194 |
| Average total loans | $76,371,500 | 3,774 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 3,516 |
| Cost of funding earning assets | 0.2549% | 4,728 |
| Net interest margin | 3.8286% | 2,464 |
| Noninterest income to average assets | 1.1547% | 723 |
| Noninterest expense to average assets | 2.9229% | 2,281 |
| Loan and lease loss provision to assets | 0.1083% | 1,811 |
| Net operating income to assets | 1.4015% | 1,438 |
| Return on assets (ROA) | 1.4015% | 1,440 |
| Pretax return on assets | 1.6137% | 1,457 |
| Return on Equity (ROE) | 10.2334% | 2,460 |
| Retained earnings to average equity (ytd only) | 10.2334% | 859 |
| Net charge-offs to loans | -0.0080% | 4,240 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9273% | 3,496 |
| Assets per employee ($millions) | 4.2285% | 3,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,470 |
| Loan loss allowance to noncurrent loans | 679.4326% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 4,492 |
| Noncurrent loans to loans | 0.1830% | 4,084 |
| Net loans and leases to total assets | 54.5384% | 4,290 |
| Net loans and leases to deposits | 63.5997% | 4,306 |
| Net loans and leases to core deposits | 65.3792% | 4,403 |
| Total domestic deposits to total assets | 85.7527% | 2,393 |
| Equity capital to assets | 13.8618% | 965 |
| Core capital (leverage) ratio | 14.5599% | 761 |
| Tier 1 risk-based capital ratio | 24.0973% | 825 |
| Total risk-based capital ratio | 25.2454% | 804 |
| Memoranda: | ||
| Average total assets | $138,562,330 | 3,588 |
| Average earning assets | $126,312,670 | 3,617 |
| Average equity | $18,977,000 | 3,221 |
| Average total loans | $74,933,670 | 3,832 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 3,539 |
| Cost of funding earning assets | 0.2385% | 4,772 |
| Net interest margin | 3.7808% | 2,501 |
| Noninterest income to average assets | 0.7619% | 1,588 |
| Noninterest expense to average assets | 2.8478% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1212% | 2,328 |
| Return on assets (ROA) | 1.1212% | 2,347 |
| Pretax return on assets | 1.3587% | 2,150 |
| Return on Equity (ROE) | 8.2367% | 3,280 |
| Retained earnings to average equity (ytd only) | 8.2367% | 1,755 |
| Net charge-offs to loans | -0.0108% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6997% | 2,882 |
| Assets per employee ($millions) | 4.3342% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,920 |
| Loan loss allowance to noncurrent loans | 643.7956% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 4,593 |
| Noncurrent loans to loans | 0.1836% | 4,138 |
| Net loans and leases to total assets | 53.1605% | 4,355 |
| Net loans and leases to deposits | 61.7197% | 4,361 |
| Net loans and leases to core deposits | 63.3085% | 4,465 |
| Total domestic deposits to total assets | 86.1322% | 2,486 |
| Equity capital to assets | 13.5686% | 1,024 |
| Core capital (leverage) ratio | 14.4304% | 780 |
| Tier 1 risk-based capital ratio | 24.1155% | 831 |
| Total risk-based capital ratio | 25.1983% | 825 |
| Memoranda: | ||
| Average total assets | $138,072,500 | 3,634 |
| Average earning assets | $125,794,500 | 3,649 |
| Average equity | $18,794,000 | 3,274 |
| Average total loans | $73,869,500 | 3,880 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8521% | 3,876 |
| Cost of funding earning assets | 0.2038% | 4,919 |
| Net interest margin | 3.6483% | 2,991 |
| Noninterest income to average assets | 0.7735% | 1,674 |
| Noninterest expense to average assets | 2.8325% | 2,674 |
| Loan and lease loss provision to assets | 0.0220% | 3,858 |
| Net operating income to assets | 0.8780% | 2,828 |
| Return on assets (ROA) | 0.8739% | 2,867 |
| Pretax return on assets | 1.2299% | 2,638 |
| Return on Equity (ROE) | 6.3804% | 3,585 |
| Retained earnings to average equity (ytd only) | -0.3048% | 5,089 |
| Net charge-offs to loans | -0.0205% | 4,965 |
| Credit loss provision to net charge-offs | -214.2857% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2514% | 2,662 |
| Assets per employee ($millions) | 4.1652% | 3,708 |
| Cash dividends to net income (ytd only)* | 104.7779% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 2,756 |
| Loan loss allowance to noncurrent loans | 511.6279% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 4,500 |
| Noncurrent loans to loans | 0.2352% | 3,961 |
| Net loans and leases to total assets | 52.5617% | 4,480 |
| Net loans and leases to deposits | 61.1974% | 4,495 |
| Net loans and leases to core deposits | 62.5842% | 4,622 |
| Total domestic deposits to total assets | 85.8887% | 2,492 |
| Equity capital to assets | 13.6551% | 1,003 |
| Core capital (leverage) ratio | 14.2767% | 777 |
| Tier 1 risk-based capital ratio | 24.7099% | 750 |
| Total risk-based capital ratio | 25.8102% | 744 |
| Memoranda: | ||
| Average total assets | $136,520,600 | 3,660 |
| Average earning assets | $124,113,400 | 3,683 |
| Average equity | $18,697,800 | 3,276 |
| Average total loans | $68,331,200 | 4,004 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7944% | 4,029 |
| Cost of funding earning assets | 0.1949% | 5,018 |
| Net interest margin | 3.5995% | 3,155 |
| Noninterest income to average assets | 0.7631% | 1,723 |
| Noninterest expense to average assets | 2.8341% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8927% | 3,065 |
| Return on assets (ROA) | 0.8912% | 3,122 |
| Pretax return on assets | 1.1965% | 2,923 |
| Return on Equity (ROE) | 6.5024% | 3,912 |
| Retained earnings to average equity (ytd only) | -2.4196% | 5,452 |
| Net charge-offs to loans | -0.0258% | 4,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2814% | 2,493 |
| Assets per employee ($millions) | 4.3916% | 3,325 |
| Cash dividends to net income (ytd only)* | 137.2118% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,873 |
| Loan loss allowance to noncurrent loans | 511.4458% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 4,654 |
| Noncurrent loans to loans | 0.2365% | 4,109 |
| Net loans and leases to total assets | 49.3364% | 4,747 |
| Net loans and leases to deposits | 57.6521% | 4,782 |
| Net loans and leases to core deposits | 58.9376% | 4,873 |
| Total domestic deposits to total assets | 85.5761% | 2,487 |
| Equity capital to assets | 13.2647% | 1,267 |
| Core capital (leverage) ratio | 13.9876% | 893 |
| Tier 1 risk-based capital ratio | 24.6082% | 794 |
| Total risk-based capital ratio | 25.6909% | 788 |
| Memoranda: | ||
| Average total assets | $136,288,250 | 3,702 |
| Average earning assets | $123,792,250 | 3,715 |
| Average equity | $18,680,000 | 3,306 |
| Average total loans | $67,132,500 | 4,060 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 4,024 |
| Cost of funding earning assets | 0.1880% | 5,081 |
| Net interest margin | 3.5746% | 3,128 |
| Noninterest income to average assets | 0.7592% | 1,730 |
| Noninterest expense to average assets | 2.8278% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8910% | 2,959 |
| Return on assets (ROA) | 0.9045% | 2,940 |
| Pretax return on assets | 1.1922% | 2,796 |
| Return on Equity (ROE) | 6.5265% | 3,813 |
| Retained earnings to average equity (ytd only) | -6.8475% | 5,585 |
| Net charge-offs to loans | -0.0151% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6558% | 2,566 |
| Assets per employee ($millions) | 4.1355% | 3,732 |
| Cash dividends to net income (ytd only)* | 204.9180% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,774 |
| Loan loss allowance to noncurrent loans | 447.8723% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 4,636 |
| Noncurrent loans to loans | 0.2762% | 4,050 |
| Net loans and leases to total assets | 49.2606% | 4,747 |
| Net loans and leases to deposits | 57.3890% | 4,778 |
| Net loans and leases to core deposits | 58.7014% | 4,889 |
| Total domestic deposits to total assets | 85.8364% | 2,455 |
| Equity capital to assets | 13.4154% | 1,183 |
| Core capital (leverage) ratio | 13.9568% | 880 |
| Tier 1 risk-based capital ratio | 24.9658% | 750 |
| Total risk-based capital ratio | 26.0712% | 747 |
| Memoranda: | ||
| Average total assets | $134,874,000 | 3,744 |
| Average earning assets | $122,361,670 | 3,761 |
| Average equity | $18,693,000 | 3,307 |
| Average total loans | $66,116,000 | 4,100 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 4,137 |
| Cost of funding earning assets | 0.1811% | 5,145 |
| Net interest margin | 3.5095% | 3,241 |
| Noninterest income to average assets | 0.7518% | 1,740 |
| Noninterest expense to average assets | 2.7984% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8714% | 2,896 |
| Return on assets (ROA) | 0.8920% | 2,847 |
| Pretax return on assets | 1.1605% | 2,742 |
| Return on Equity (ROE) | 6.3329% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.3329% | 2,171 |
| Net charge-offs to loans | -0.0553% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1684% | 2,707 |
| Assets per employee ($millions) | 4.5408% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,615 |
| Loan loss allowance to noncurrent loans | 518.4049% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 4,784 |
| Noncurrent loans to loans | 0.2477% | 4,217 |
| Net loans and leases to total assets | 47.6814% | 4,850 |
| Net loans and leases to deposits | 55.8812% | 4,822 |
| Net loans and leases to core deposits | 57.5768% | 4,899 |
| Total domestic deposits to total assets | 85.3263% | 2,949 |
| Equity capital to assets | 14.0145% | 899 |
| Core capital (leverage) ratio | 14.9983% | 604 |
| Tier 1 risk-based capital ratio | 26.9725% | 627 |
| Total risk-based capital ratio | 28.1158% | 622 |
| Memoranda: | ||
| Average total assets | $134,076,000 | 3,779 |
| Average earning assets | $121,500,500 | 3,821 |
| Average equity | $18,885,500 | 3,302 |
| Average total loans | $65,140,000 | 4,152 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 3,981 |
| Cost of funding earning assets | 0.1867% | 5,144 |
| Net interest margin | 3.5890% | 3,111 |
| Noninterest income to average assets | 0.7828% | 1,816 |
| Noninterest expense to average assets | 2.7354% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9851% | 2,414 |
| Return on assets (ROA) | 0.9926% | 2,485 |
| Pretax return on assets | 1.3308% | 2,176 |
| Return on Equity (ROE) | 6.8958% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.0706% | 2,299 |
| Net charge-offs to loans | 0.0193% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 141.5833% | 446 |
| Efficiency ratio | 67.4396% | 3,356 |
| Assets per employee ($millions) | 4.1228% | 3,745 |
| Cash dividends to net income (ytd only)* | 26.4683% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 2,564 |
| Loan loss allowance to noncurrent loans | 663.4921% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,946 |
| Noncurrent loans to loans | 0.1954% | 4,458 |
| Net loans and leases to total assets | 48.2426% | 4,880 |
| Net loans and leases to deposits | 56.7518% | 4,868 |
| Net loans and leases to core deposits | 58.8193% | 4,918 |
| Total domestic deposits to total assets | 85.0063% | 3,042 |
| Equity capital to assets | 14.1591% | 841 |
| Core capital (leverage) ratio | 14.6241% | 667 |
| Tier 1 risk-based capital ratio | 26.3437% | 667 |
| Total risk-based capital ratio | 27.4848% | 658 |
| Memoranda: | ||
| Average total assets | $128,646,200 | 3,854 |
| Average earning assets | $117,329,600 | 3,880 |
| Average equity | $18,518,600 | 3,332 |
| Average total loans | $62,194,600 | 4,222 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7696% | 4,020 |
| Cost of funding earning assets | 0.1882% | 5,191 |
| Net interest margin | 3.5814% | 3,155 |
| Noninterest income to average assets | 0.7802% | 1,841 |
| Noninterest expense to average assets | 2.7182% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9995% | 2,433 |
| Return on assets (ROA) | 1.0097% | 2,525 |
| Pretax return on assets | 1.3497% | 2,240 |
| Return on Equity (ROE) | 6.9846% | 3,565 |
| Retained earnings to average equity (ytd only) | 5.2673% | 2,649 |
| Net charge-offs to loans | -0.0086% | 4,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0440% | 3,415 |
| Assets per employee ($millions) | 4.3791% | 3,286 |
| Cash dividends to net income (ytd only)* | 24.5872% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3463% | 2,455 |
| Loan loss allowance to noncurrent loans | 591.6667% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 4,985 |
| Noncurrent loans to loans | 0.2275% | 4,456 |
| Net loans and leases to total assets | 47.5216% | 4,989 |
| Net loans and leases to deposits | 56.1905% | 4,979 |
| Net loans and leases to core deposits | 58.1565% | 5,046 |
| Total domestic deposits to total assets | 84.5723% | 2,999 |
| Equity capital to assets | 14.4199% | 899 |
| Core capital (leverage) ratio | 15.2118% | 595 |
| Tier 1 risk-based capital ratio | 28.2945% | 566 |
| Total risk-based capital ratio | 128.2945% | 33 |
| Memoranda: | ||
| Average total assets | $127,825,500 | 3,889 |
| Average earning assets | $116,861,250 | 3,908 |
| Average equity | $18,478,250 | 3,372 |
| Average total loans | $61,622,750 | 4,270 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7785% | 4,027 |
| Cost of funding earning assets | 0.1917% | 5,226 |
| Net interest margin | 3.5868% | 3,151 |
| Noninterest income to average assets | 0.7644% | 1,867 |
| Noninterest expense to average assets | 2.7021% | 3,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0141% | 2,328 |
| Return on assets (ROA) | 1.0297% | 2,391 |
| Pretax return on assets | 1.3629% | 2,155 |
| Return on Equity (ROE) | 7.1167% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.5189% | 3,037 |
| Net charge-offs to loans | -0.0131% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8098% | 3,565 |
| Assets per employee ($millions) | 4.5574% | 2,928 |
| Cash dividends to net income (ytd only)* | 36.5031% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 2,404 |
| Loan loss allowance to noncurrent loans | 579.5918% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 5,051 |
| Noncurrent loans to loans | 0.2375% | 4,495 |
| Net loans and leases to total assets | 47.8406% | 5,005 |
| Net loans and leases to deposits | 56.7398% | 4,967 |
| Net loans and leases to core deposits | 58.7871% | 5,040 |
| Total domestic deposits to total assets | 84.3159% | 3,151 |
| Equity capital to assets | 14.6622% | 823 |
| Core capital (leverage) ratio | 15.2849% | 557 |
| Tier 1 risk-based capital ratio | 28.8895% | 544 |
| Total risk-based capital ratio | 30.1396% | 538 |
| Memoranda: | ||
| Average total assets | $126,642,670 | 3,933 |
| Average earning assets | $115,813,670 | 3,951 |
| Average equity | $18,323,000 | 3,396 |
| Average total loans | $61,069,330 | 4,310 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 4,015 |
| Cost of funding earning assets | 0.1906% | 5,278 |
| Net interest margin | 3.5903% | 3,121 |
| Noninterest income to average assets | 0.7514% | 1,814 |
| Noninterest expense to average assets | 2.7045% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0086% | 2,236 |
| Return on assets (ROA) | 1.0399% | 2,241 |
| Pretax return on assets | 1.3729% | 1,988 |
| Return on Equity (ROE) | 7.2368% | 3,324 |
| Retained earnings to average equity (ytd only) | 5.0305% | 2,923 |
| Net charge-offs to loans | -0.0198% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0071% | 3,633 |
| Assets per employee ($millions) | 4.6624% | 2,800 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 2,389 |
| Loan loss allowance to noncurrent loans | 345.9350% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 4,781 |
| Noncurrent loans to loans | 0.4069% | 3,979 |
| Net loans and leases to total assets | 47.3504% | 5,018 |
| Net loans and leases to deposits | 56.1340% | 4,977 |
| Net loans and leases to core deposits | 58.1810% | 5,036 |
| Total domestic deposits to total assets | 84.3524% | 3,377 |
| Equity capital to assets | 14.5728% | 815 |
| Core capital (leverage) ratio | 15.3280% | 560 |
| Tier 1 risk-based capital ratio | 29.2210% | 539 |
| Total risk-based capital ratio | 30.4719% | 531 |
| Memoranda: | ||
| Average total assets | $126,160,500 | 3,976 |
| Average earning assets | $115,421,000 | 3,982 |
| Average equity | $18,129,500 | 3,419 |
| Average total loans | $60,654,000 | 4,350 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9032% | 3,695 |
| Cost of funding earning assets | 0.1926% | 5,341 |
| Net interest margin | 3.7106% | 2,712 |
| Noninterest income to average assets | 0.7793% | 1,865 |
| Noninterest expense to average assets | 2.8579% | 3,001 |
| Loan and lease loss provision to assets | 0.0202% | 3,993 |
| Net operating income to assets | 0.9814% | 2,460 |
| Return on assets (ROA) | 0.9747% | 2,570 |
| Pretax return on assets | 1.2993% | 2,285 |
| Return on Equity (ROE) | 6.8580% | 3,589 |
| Retained earnings to average equity (ytd only) | 5.7614% | 1,919 |
| Net charge-offs to loans | 0.0212% | 3,843 |
| Credit loss provision to net charge-offs | 192.3077% | 1,437 |
| Earnings coverage of net charge-offs (x) | 126.5385% | 480 |
| Efficiency ratio | 68.2677% | 3,514 |
| Assets per employee ($millions) | 4.6828% | 2,753 |
| Cash dividends to net income (ytd only)* | 15.9901% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 2,451 |
| Loan loss allowance to noncurrent loans | 183.5498% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 4,126 |
| Noncurrent loans to loans | 0.7592% | 2,904 |
| Net loans and leases to total assets | 47.4564% | 5,061 |
| Net loans and leases to deposits | 55.9517% | 5,044 |
| Net loans and leases to core deposits | 57.8271% | 5,109 |
| Total domestic deposits to total assets | 84.8168% | 3,164 |
| Equity capital to assets | 14.1684% | 875 |
| Core capital (leverage) ratio | 15.1424% | 591 |
| Tier 1 risk-based capital ratio | 29.2398% | 544 |
| Total risk-based capital ratio | 30.4911% | 529 |
| Memoranda: | ||
| Average total assets | $123,833,200 | 4,010 |
| Average earning assets | $113,702,000 | 4,006 |
| Average equity | $17,599,800 | 3,439 |
| Average total loans | $61,234,400 | 4,343 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 3,660 |
| Cost of funding earning assets | 0.1955% | 5,417 |
| Net interest margin | 3.7295% | 2,647 |
| Noninterest income to average assets | 0.7771% | 1,894 |
| Noninterest expense to average assets | 2.8596% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9843% | 2,547 |
| Return on assets (ROA) | 0.9796% | 2,651 |
| Pretax return on assets | 1.3389% | 2,249 |
| Return on Equity (ROE) | 6.8867% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.0877% | 2,191 |
| Net charge-offs to loans | -0.0065% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0051% | 3,538 |
| Assets per employee ($millions) | 4.4681% | 3,068 |
| Cash dividends to net income (ytd only)* | 11.6025% | 3,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 2,662 |
| Loan loss allowance to noncurrent loans | 188.1166% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3565% | 4,344 |
| Noncurrent loans to loans | 0.7378% | 3,118 |
| Net loans and leases to total assets | 47.6500% | 5,108 |
| Net loans and leases to deposits | 56.1866% | 5,111 |
| Net loans and leases to core deposits | 58.0948% | 5,185 |
| Total domestic deposits to total assets | 84.8067% | 3,095 |
| Equity capital to assets | 14.4123% | 883 |
| Core capital (leverage) ratio | 15.2506% | 595 |
| Tier 1 risk-based capital ratio | 28.9254% | 574 |
| Total risk-based capital ratio | 30.1758% | 566 |
| Memoranda: | ||
| Average total assets | $123,182,500 | 4,061 |
| Average earning assets | $113,220,250 | 4,062 |
| Average equity | $17,521,250 | 3,476 |
| Average total loans | $61,330,500 | 4,386 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 3,564 |
| Cost of funding earning assets | 0.1970% | 5,460 |
| Net interest margin | 3.7352% | 2,560 |
| Noninterest income to average assets | 0.7704% | 1,916 |
| Noninterest expense to average assets | 2.9019% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9554% | 2,602 |
| Return on assets (ROA) | 0.9483% | 2,761 |
| Pretax return on assets | 1.2943% | 2,386 |
| Return on Equity (ROE) | 6.6969% | 3,786 |
| Retained earnings to average equity (ytd only) | 5.4866% | 2,542 |
| Net charge-offs to loans | 0.0065% | 3,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 399.5000% | 164 |
| Efficiency ratio | 68.9950% | 3,493 |
| Assets per employee ($millions) | 4.3352% | 3,238 |
| Cash dividends to net income (ytd only)* | 18.0723% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 2,890 |
| Loan loss allowance to noncurrent loans | 293.6620% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2340% | 4,942 |
| Noncurrent loans to loans | 0.4667% | 4,082 |
| Net loans and leases to total assets | 49.4398% | 4,984 |
| Net loans and leases to deposits | 58.2441% | 4,976 |
| Net loans and leases to core deposits | 60.2601% | 5,057 |
| Total domestic deposits to total assets | 84.8838% | 3,175 |
| Equity capital to assets | 14.3863% | 848 |
| Core capital (leverage) ratio | 15.1118% | 595 |
| Tier 1 risk-based capital ratio | 28.6906% | 602 |
| Total risk-based capital ratio | 29.9402% | 596 |
| Memoranda: | ||
| Average total assets | $122,540,670 | 4,102 |
| Average earning assets | $112,711,330 | 4,101 |
| Average equity | $17,351,330 | 3,518 |
| Average total loans | $61,623,000 | 4,419 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 3,634 |
| Cost of funding earning assets | 0.1971% | 5,541 |
| Net interest margin | 3.6992% | 2,618 |
| Noninterest income to average assets | 0.7213% | 2,059 |
| Noninterest expense to average assets | 2.8720% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9140% | 2,683 |
| Return on assets (ROA) | 0.8999% | 2,866 |
| Pretax return on assets | 1.2443% | 2,495 |
| Return on Equity (ROE) | 6.4063% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.4063% | 2,282 |
| Net charge-offs to loans | -0.0065% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4423% | 3,589 |
| Assets per employee ($millions) | 4.5472% | 2,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3592% | 3,105 |
| Loan loss allowance to noncurrent loans | 510.3659% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 5,421 |
| Noncurrent loans to loans | 0.2663% | 4,824 |
| Net loans and leases to total assets | 49.4755% | 4,902 |
| Net loans and leases to deposits | 58.1751% | 4,902 |
| Net loans and leases to core deposits | 60.1559% | 4,986 |
| Total domestic deposits to total assets | 85.0457% | 3,386 |
| Equity capital to assets | 14.2880% | 893 |
| Core capital (leverage) ratio | 14.8464% | 631 |
| Tier 1 risk-based capital ratio | 28.3208% | 634 |
| Total risk-based capital ratio | 29.5708% | 621 |
| Memoranda: | ||
| Average total assets | $123,118,000 | 4,125 |
| Average earning assets | $113,647,000 | 4,104 |
| Average equity | $17,295,500 | 3,548 |
| Average total loans | $62,011,000 | 4,429 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,396 |
| Cost of funding earning assets | 0.2519% | 5,303 |
| Net interest margin | 3.8285% | 2,518 |
| Noninterest income to average assets | 0.7425% | 2,114 |
| Noninterest expense to average assets | 2.9345% | 3,040 |
| Loan and lease loss provision to assets | 0.0738% | 3,006 |
| Net operating income to assets | 0.9099% | 2,825 |
| Return on assets (ROA) | 0.8819% | 3,050 |
| Pretax return on assets | 1.2486% | 2,447 |
| Return on Equity (ROE) | 6.4558% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.5821% | 2,919 |
| Net charge-offs to loans | -0.0079% | 5,523 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3025% | 3,847 |
| Assets per employee ($millions) | 4.5727% | 2,918 |
| Cash dividends to net income (ytd only)* | 29.0233% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 3,239 |
| Loan loss allowance to noncurrent loans | 972.0930% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 5,747 |
| Noncurrent loans to loans | 0.1377% | 5,342 |
| Net loans and leases to total assets | 49.8988% | 4,987 |
| Net loans and leases to deposits | 58.3064% | 5,047 |
| Net loans and leases to core deposits | 60.2627% | 5,128 |
| Total domestic deposits to total assets | 85.5802% | 3,041 |
| Equity capital to assets | 13.8091% | 1,030 |
| Core capital (leverage) ratio | 14.5567% | 694 |
| Tier 1 risk-based capital ratio | 28.8121% | 581 |
| Total risk-based capital ratio | 30.0634% | 564 |
| Memoranda: | ||
| Average total assets | $121,893,000 | 4,142 |
| Average earning assets | $113,152,800 | 4,109 |
| Average equity | $16,651,800 | 3,583 |
| Average total loans | $63,196,400 | 4,390 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 3,324 |
| Cost of funding earning assets | 0.2650% | 5,258 |
| Net interest margin | 3.8491% | 2,436 |
| Noninterest income to average assets | 0.7210% | 2,221 |
| Noninterest expense to average assets | 2.9804% | 2,866 |
| Loan and lease loss provision to assets | 0.0988% | 2,392 |
| Net operating income to assets | 0.8637% | 3,108 |
| Return on assets (ROA) | 0.8263% | 3,396 |
| Pretax return on assets | 1.1599% | 2,948 |
| Return on Equity (ROE) | 6.0654% | 4,202 |
| Retained earnings to average equity (ytd only) | 4.1805% | 3,676 |
| Net charge-offs to loans | 0.0484% | 3,533 |
| Credit loss provision to net charge-offs | 391.3043% | 716 |
| Earnings coverage of net charge-offs (x) | 51.9495% | 954 |
| Efficiency ratio | 69.4452% | 3,597 |
| Assets per employee ($millions) | 4.5451% | 2,887 |
| Cash dividends to net income (ytd only)* | 31.0756% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 3,641 |
| Loan loss allowance to noncurrent loans | 907.8652% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 5,866 |
| Noncurrent loans to loans | 0.1433% | 5,488 |
| Net loans and leases to total assets | 49.9601% | 5,015 |
| Net loans and leases to deposits | 58.2595% | 5,085 |
| Net loans and leases to core deposits | 60.0454% | 5,183 |
| Total domestic deposits to total assets | 85.7543% | 2,980 |
| Equity capital to assets | 13.8203% | 1,066 |
| Core capital (leverage) ratio | 14.7149% | 672 |
| Tier 1 risk-based capital ratio | 28.5153% | 614 |
| Total risk-based capital ratio | 29.7660% | 596 |
| Memoranda: | ||
| Average total assets | $121,500,750 | 4,190 |
| Average earning assets | $112,715,000 | 4,151 |
| Average equity | $16,552,500 | 3,610 |
| Average total loans | $63,385,000 | 4,419 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 3,142 |
| Cost of funding earning assets | 0.2798% | 5,188 |
| Net interest margin | 3.8713% | 2,293 |
| Noninterest income to average assets | 0.7284% | 2,152 |
| Noninterest expense to average assets | 2.9630% | 2,956 |
| Loan and lease loss provision to assets | 0.0991% | 2,369 |
| Net operating income to assets | 0.8855% | 2,885 |
| Return on assets (ROA) | 0.8539% | 3,153 |
| Pretax return on assets | 1.2090% | 2,635 |
| Return on Equity (ROE) | 6.2985% | 3,996 |
| Retained earnings to average equity (ytd only) | 3.4477% | 4,007 |
| Net charge-offs to loans | 0.0752% | 2,950 |
| Credit loss provision to net charge-offs | 250.0000% | 983 |
| Earnings coverage of net charge-offs (x) | 34.1250% | 1,171 |
| Efficiency ratio | 68.6567% | 3,887 |
| Assets per employee ($millions) | 4.5563% | 2,833 |
| Cash dividends to net income (ytd only)* | 45.2611% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2296% | 4,278 |
| Loan loss allowance to noncurrent loans | 350.0000% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 5,572 |
| Noncurrent loans to loans | 0.3513% | 4,946 |
| Net loans and leases to total assets | 52.6839% | 4,674 |
| Net loans and leases to deposits | 61.6117% | 4,730 |
| Net loans and leases to core deposits | 63.5722% | 4,854 |
| Total domestic deposits to total assets | 85.5096% | 3,281 |
| Equity capital to assets | 14.1434% | 915 |
| Core capital (leverage) ratio | 14.6809% | 657 |
| Tier 1 risk-based capital ratio | 28.0722% | 642 |
| Total risk-based capital ratio | 29.3200% | 630 |
| Memoranda: | ||
| Average total assets | $121,095,000 | 4,213 |
| Average earning assets | $112,210,000 | 4,182 |
| Average equity | $16,416,670 | 3,634 |
| Average total loans | $63,807,330 | 4,432 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0617% | 3,433 |
| Cost of funding earning assets | 0.2886% | 5,187 |
| Net interest margin | 3.7731% | 2,582 |
| Noninterest income to average assets | 0.6764% | 2,313 |
| Noninterest expense to average assets | 2.9279% | 3,125 |
| Loan and lease loss provision to assets | 0.0980% | 2,285 |
| Net operating income to assets | 0.8071% | 3,118 |
| Return on assets (ROA) | 0.8071% | 3,198 |
| Pretax return on assets | 1.1535% | 2,680 |
| Return on Equity (ROE) | 6.0809% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.0809% | 2,500 |
| Net charge-offs to loans | 0.1061% | 2,124 |
| Credit loss provision to net charge-offs | 176.4706% | 1,133 |
| Earnings coverage of net charge-offs (x) | 22.5294% | 1,249 |
| Efficiency ratio | 70.0547% | 3,832 |
| Assets per employee ($millions) | 4.7060% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 4,725 |
| Loan loss allowance to noncurrent loans | 268.6833% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 5,295 |
| Noncurrent loans to loans | 0.4398% | 4,825 |
| Net loans and leases to total assets | 51.6048% | 4,719 |
| Net loans and leases to deposits | 59.8606% | 4,777 |
| Net loans and leases to core deposits | 61.6822% | 4,909 |
| Total domestic deposits to total assets | 86.2082% | 3,251 |
| Equity capital to assets | 13.4396% | 1,121 |
| Core capital (leverage) ratio | 14.4304% | 710 |
| Tier 1 risk-based capital ratio | 27.5745% | 673 |
| Total risk-based capital ratio | 28.7679% | 665 |
| Memoranda: | ||
| Average total assets | $122,410,000 | 4,226 |
| Average earning assets | $113,647,500 | 4,188 |
| Average equity | $16,247,500 | 3,661 |
| Average total loans | $64,116,500 | 4,456 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 3,612 |
| Cost of funding earning assets | 0.3867% | 4,784 |
| Net interest margin | 3.7462% | 2,871 |
| Noninterest income to average assets | 0.6532% | 2,793 |
| Noninterest expense to average assets | 3.0530% | 2,887 |
| Loan and lease loss provision to assets | 0.2330% | 1,545 |
| Net operating income to assets | 0.6153% | 4,193 |
| Return on assets (ROA) | 0.6258% | 4,245 |
| Pretax return on assets | 0.8733% | 3,878 |
| Return on Equity (ROE) | 4.9163% | 4,669 |
| Retained earnings to average equity (ytd only) | 3.7696% | 3,524 |
| Net charge-offs to loans | 0.2731% | 2,335 |
| Credit loss provision to net charge-offs | 162.3596% | 1,406 |
| Earnings coverage of net charge-offs (x) | 7.6067% | 2,804 |
| Efficiency ratio | 73.6576% | 3,187 |
| Assets per employee ($millions) | 4.7102% | 2,575 |
| Cash dividends to net income (ytd only)* | 23.3247% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 4,902 |
| Loan loss allowance to noncurrent loans | 239.8058% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 5,000 |
| Noncurrent loans to loans | 0.4803% | 4,794 |
| Net loans and leases to total assets | 51.9299% | 4,864 |
| Net loans and leases to deposits | 60.1802% | 4,922 |
| Net loans and leases to core deposits | 62.0050% | 5,055 |
| Total domestic deposits to total assets | 86.2908% | 3,119 |
| Equity capital to assets | 13.1066% | 1,224 |
| Core capital (leverage) ratio | 13.8785% | 859 |
| Tier 1 risk-based capital ratio | 26.9030% | 688 |
| Total risk-based capital ratio | 28.0621% | 680 |
| Memoranda: | ||
| Average total assets | $124,008,400 | 4,181 |
| Average earning assets | $115,584,400 | 4,145 |
| Average equity | $15,784,200 | 3,741 |
| Average total loans | $65,172,800 | 4,435 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 3,637 |
| Cost of funding earning assets | 0.4022% | 4,804 |
| Net interest margin | 3.7287% | 2,928 |
| Noninterest income to average assets | 0.6645% | 2,802 |
| Noninterest expense to average assets | 3.0140% | 2,943 |
| Loan and lease loss provision to assets | 0.2401% | 1,498 |
| Net operating income to assets | 0.6226% | 4,249 |
| Return on assets (ROA) | 0.6399% | 4,291 |
| Pretax return on assets | 0.9132% | 3,822 |
| Return on Equity (ROE) | 5.0643% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.4196% | 3,529 |
| Net charge-offs to loans | 0.3385% | 1,856 |
| Credit loss provision to net charge-offs | 134.9398% | 1,747 |
| Earnings coverage of net charge-offs (x) | 6.3433% | 2,997 |
| Efficiency ratio | 72.7555% | 3,270 |
| Assets per employee ($millions) | 4.7762% | 2,468 |
| Cash dividends to net income (ytd only)* | 12.7302% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 5,482 |
| Loan loss allowance to noncurrent loans | 324.5283% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 5,308 |
| Noncurrent loans to loans | 0.3269% | 5,401 |
| Net loans and leases to total assets | 51.6681% | 4,916 |
| Net loans and leases to deposits | 59.9847% | 4,973 |
| Net loans and leases to core deposits | 61.7780% | 5,139 |
| Total domestic deposits to total assets | 86.1356% | 3,175 |
| Equity capital to assets | 12.6002% | 1,529 |
| Core capital (leverage) ratio | 13.9191% | 886 |
| Tier 1 risk-based capital ratio | 26.4770% | 746 |
| Total risk-based capital ratio | 27.5408% | 754 |
| Memoranda: | ||
| Average total assets | $124,394,250 | 4,216 |
| Average earning assets | $116,035,500 | 4,176 |
| Average equity | $15,717,500 | 3,789 |
| Average total loans | $65,381,750 | 4,470 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 3,618 |
| Cost of funding earning assets | 0.4159% | 4,798 |
| Net interest margin | 3.7159% | 2,895 |
| Noninterest income to average assets | 0.6203% | 3,076 |
| Noninterest expense to average assets | 2.9518% | 3,157 |
| Loan and lease loss provision to assets | 0.2282% | 1,648 |
| Net operating income to assets | 0.6444% | 4,087 |
| Return on assets (ROA) | 0.6669% | 4,141 |
| Pretax return on assets | 0.9464% | 3,728 |
| Return on Equity (ROE) | 5.2729% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.3072% | 3,543 |
| Net charge-offs to loans | 0.4759% | 1,391 |
| Credit loss provision to net charge-offs | 91.0256% | 2,413 |
| Earnings coverage of net charge-offs (x) | 4.5577% | 3,097 |
| Efficiency ratio | 72.0958% | 3,451 |
| Assets per employee ($millions) | 4.5535% | 2,735 |
| Cash dividends to net income (ytd only)* | 18.3133% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 6,034 |
| Loan loss allowance to noncurrent loans | 5,600.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 5,837 |
| Noncurrent loans to loans | 0.0167% | 6,374 |
| Net loans and leases to total assets | 53.0139% | 4,734 |
| Net loans and leases to deposits | 61.3394% | 4,820 |
| Net loans and leases to core deposits | 62.9721% | 5,009 |
| Total domestic deposits to total assets | 86.4273% | 3,151 |
| Equity capital to assets | 12.4169% | 1,629 |
| Core capital (leverage) ratio | 13.5935% | 941 |
| Tier 1 risk-based capital ratio | 26.2784% | 749 |
| Total risk-based capital ratio | 27.2338% | 757 |
| Memoranda: | ||
| Average total assets | $124,465,330 | 4,248 |
| Average earning assets | $116,366,000 | 4,192 |
| Average equity | $15,741,000 | 3,815 |
| Average total loans | $65,559,000 | 4,479 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 3,888 |
| Cost of funding earning assets | 0.4247% | 4,866 |
| Net interest margin | 3.6357% | 3,120 |
| Noninterest income to average assets | 0.6580% | 2,827 |
| Noninterest expense to average assets | 2.9579% | 3,133 |
| Loan and lease loss provision to assets | 0.1757% | 2,109 |
| Net operating income to assets | 0.6357% | 4,048 |
| Return on assets (ROA) | 0.6357% | 4,206 |
| Pretax return on assets | 0.9423% | 3,602 |
| Return on Equity (ROE) | 4.9817% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.9817% | 3,249 |
| Net charge-offs to loans | 0.4951% | 1,215 |
| Credit loss provision to net charge-offs | 67.9012% | 2,324 |
| Earnings coverage of net charge-offs (x) | 4.3210% | 2,579 |
| Efficiency ratio | 72.5705% | 3,507 |
| Assets per employee ($millions) | 4.6614% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 6,194 |
| Loan loss allowance to noncurrent loans | 755.0000% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 5,513 |
| Noncurrent loans to loans | 0.1227% | 6,105 |
| Net loans and leases to total assets | 51.3337% | 4,788 |
| Net loans and leases to deposits | 59.8196% | 4,811 |
| Net loans and leases to core deposits | 61.8900% | 4,961 |
| Total domestic deposits to total assets | 85.8141% | 3,625 |
| Equity capital to assets | 12.7478% | 1,564 |
| Core capital (leverage) ratio | 13.4999% | 947 |
| Tier 1 risk-based capital ratio | 26.3045% | 761 |
| Total risk-based capital ratio | 27.2501% | 771 |
| Memoranda: | ||
| Average total assets | $125,225,500 | 4,279 |
| Average earning assets | $117,721,500 | 4,203 |
| Average equity | $15,978,500 | 3,822 |
| Average total loans | $65,441,500 | 4,510 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 3,848 |
| Cost of funding earning assets | 0.5668% | 4,672 |
| Net interest margin | 3.8236% | 3,131 |
| Noninterest income to average assets | 0.5367% | 3,671 |
| Noninterest expense to average assets | 2.7885% | 4,063 |
| Loan and lease loss provision to assets | 0.1059% | 4,315 |
| Net operating income to assets | 0.8441% | 3,072 |
| Return on assets (ROA) | 0.8453% | 3,323 |
| Pretax return on assets | 1.2309% | 2,679 |
| Return on Equity (ROE) | 6.5952% | 3,860 |
| Retained earnings to average equity (ytd only) | 5.6988% | 2,254 |
| Net charge-offs to loans | 0.1042% | 4,625 |
| Credit loss provision to net charge-offs | 186.9565% | 1,398 |
| Earnings coverage of net charge-offs (x) | 23.5797% | 1,212 |
| Efficiency ratio | 67.6219% | 4,214 |
| Assets per employee ($millions) | 4.6146% | 2,757 |
| Cash dividends to net income (ytd only)* | 13.5922% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 6,098 |
| Loan loss allowance to noncurrent loans | 307.3171% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 5,318 |
| Noncurrent loans to loans | 0.3122% | 5,706 |
| Net loans and leases to total assets | 52.2032% | 4,901 |
| Net loans and leases to deposits | 60.6367% | 4,952 |
| Net loans and leases to core deposits | 62.7461% | 5,084 |
| Total domestic deposits to total assets | 86.0916% | 3,306 |
| Equity capital to assets | 12.7719% | 1,552 |
| Core capital (leverage) ratio | 13.3381% | 1,006 |
| Tier 1 risk-based capital ratio | 26.3678% | 737 |
| Total risk-based capital ratio | 27.3683% | 750 |
| Memoranda: | ||
| Average total assets | $121,857,200 | 4,318 |
| Average earning assets | $114,316,000 | 4,242 |
| Average equity | $15,617,400 | 3,838 |
| Average total loans | $66,196,600 | 4,495 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4295% | 3,925 |
| Cost of funding earning assets | 0.6011% | 4,635 |
| Net interest margin | 3.8284% | 3,214 |
| Noninterest income to average assets | 0.5039% | 3,901 |
| Noninterest expense to average assets | 2.8499% | 3,800 |
| Loan and lease loss provision to assets | 0.1144% | 4,135 |
| Net operating income to assets | 0.7929% | 3,488 |
| Return on assets (ROA) | 0.7944% | 3,720 |
| Pretax return on assets | 1.1300% | 3,234 |
| Return on Equity (ROE) | 6.1932% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.6442% | 2,929 |
| Net charge-offs to loans | 0.1005% | 4,380 |
| Credit loss provision to net charge-offs | 208.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 22.5784% | 1,351 |
| Efficiency ratio | 69.6424% | 3,760 |
| Assets per employee ($millions) | 4.5902% | 2,760 |
| Cash dividends to net income (ytd only)* | 8.8642% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 6,299 |
| Loan loss allowance to noncurrent loans | 108.5217% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 5,505 |
| Noncurrent loans to loans | 0.8576% | 4,702 |
| Net loans and leases to total assets | 53.5966% | 4,806 |
| Net loans and leases to deposits | 62.2411% | 4,942 |
| Net loans and leases to core deposits | 64.2340% | 5,126 |
| Total domestic deposits to total assets | 86.1113% | 3,190 |
| Equity capital to assets | 12.8600% | 1,675 |
| Core capital (leverage) ratio | 13.2690% | 1,079 |
| Tier 1 risk-based capital ratio | 25.8715% | 833 |
| Total risk-based capital ratio | 26.8576% | 844 |
| Memoranda: | ||
| Average total assets | $121,173,000 | 4,370 |
| Average earning assets | $113,569,250 | 4,299 |
| Average equity | $15,543,500 | 3,890 |
| Average total loans | $66,327,750 | 4,536 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 3,944 |
| Cost of funding earning assets | 0.6349% | 4,576 |
| Net interest margin | 3.8237% | 3,248 |
| Noninterest income to average assets | 0.4890% | 3,996 |
| Noninterest expense to average assets | 2.7792% | 4,096 |
| Loan and lease loss provision to assets | 0.1730% | 3,375 |
| Net operating income to assets | 0.8033% | 3,386 |
| Return on assets (ROA) | 0.8033% | 3,639 |
| Pretax return on assets | 1.1127% | 3,261 |
| Return on Equity (ROE) | 6.2678% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.4373% | 3,025 |
| Net charge-offs to loans | 0.0605% | 4,578 |
| Credit loss provision to net charge-offs | 520.0000% | 579 |
| Earnings coverage of net charge-offs (x) | 38.6500% | 897 |
| Efficiency ratio | 68.3715% | 4,057 |
| Assets per employee ($millions) | 4.1942% | 3,466 |
| Cash dividends to net income (ytd only)* | 13.2505% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 6,214 |
| Loan loss allowance to noncurrent loans | 153.8824% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 5,899 |
| Noncurrent loans to loans | 0.6402% | 5,233 |
| Net loans and leases to total assets | 54.0442% | 4,791 |
| Net loans and leases to deposits | 62.7602% | 4,906 |
| Net loans and leases to core deposits | 64.2967% | 5,179 |
| Total domestic deposits to total assets | 86.1122% | 3,301 |
| Equity capital to assets | 12.8864% | 1,572 |
| Core capital (leverage) ratio | 13.3208% | 1,046 |
| Tier 1 risk-based capital ratio | 25.6850% | 838 |
| Total risk-based capital ratio | 26.7262% | 837 |
| Memoranda: | ||
| Average total assets | $120,252,330 | 4,417 |
| Average earning assets | $112,457,000 | 4,351 |
| Average equity | $15,412,000 | 3,910 |
| Average total loans | $66,087,330 | 4,559 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 4,050 |
| Cost of funding earning assets | 0.6742% | 4,510 |
| Net interest margin | 3.7908% | 3,434 |
| Noninterest income to average assets | 0.4884% | 3,990 |
| Noninterest expense to average assets | 2.8169% | 3,959 |
| Loan and lease loss provision to assets | 0.3145% | 1,993 |
| Net operating income to assets | 0.5855% | 4,416 |
| Return on assets (ROA) | 0.5855% | 4,635 |
| Pretax return on assets | 0.8933% | 4,050 |
| Return on Equity (ROE) | 4.5809% | 4,998 |
| Retained earnings to average equity (ytd only) | 4.5809% | 3,832 |
| Net charge-offs to loans | 0.0303% | 4,264 |
| Credit loss provision to net charge-offs | 1,880.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 72.2000% | 461 |
| Efficiency ratio | 69.9917% | 3,807 |
| Assets per employee ($millions) | 4.1629% | 3,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 6,237 |
| Loan loss allowance to noncurrent loans | 98.6527% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 5,103 |
| Noncurrent loans to loans | 1.0156% | 4,649 |
| Net loans and leases to total assets | 53.9392% | 4,733 |
| Net loans and leases to deposits | 62.5614% | 4,834 |
| Net loans and leases to core deposits | 64.0417% | 5,108 |
| Total domestic deposits to total assets | 86.2180% | 3,404 |
| Equity capital to assets | 12.7001% | 1,595 |
| Core capital (leverage) ratio | 13.2852% | 1,028 |
| Tier 1 risk-based capital ratio | 25.6900% | 835 |
| Total risk-based capital ratio | 26.7555% | 832 |
| Memoranda: | ||
| Average total assets | $119,562,500 | 4,459 |
| Average earning assets | $111,533,500 | 4,399 |
| Average equity | $15,281,000 | 3,939 |
| Average total loans | $65,936,500 | 4,587 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9175% | 3,278 |
| Cost of funding earning assets | 0.8182% | 4,720 |
| Net interest margin | 4.0993% | 2,429 |
| Noninterest income to average assets | 0.5052% | 3,813 |
| Noninterest expense to average assets | 2.8766% | 4,050 |
| Loan and lease loss provision to assets | 0.0838% | 5,562 |
| Net operating income to assets | 0.9548% | 2,387 |
| Return on assets (ROA) | 0.9566% | 2,512 |
| Pretax return on assets | 1.3635% | 1,902 |
| Return on Equity (ROE) | 7.5373% | 3,129 |
| Retained earnings to average equity (ytd only) | 6.5943% | 1,696 |
| Net charge-offs to loans | 0.0333% | 5,980 |
| Credit loss provision to net charge-offs | 445.4545% | 509 |
| Earnings coverage of net charge-offs (x) | 76.8182% | 389 |
| Efficiency ratio | 66.5678% | 4,640 |
| Assets per employee ($millions) | 4.0828% | 3,685 |
| Cash dividends to net income (ytd only)* | 12.5112% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 6,618 |
| Loan loss allowance to noncurrent loans | 117.7686% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 5,949 |
| Noncurrent loans to loans | 0.7323% | 5,236 |
| Net loans and leases to total assets | 55.3428% | 4,827 |
| Net loans and leases to deposits | 64.3071% | 4,969 |
| Net loans and leases to core deposits | 65.7657% | 5,278 |
| Total domestic deposits to total assets | 86.0602% | 3,290 |
| Equity capital to assets | 12.8630% | 1,564 |
| Core capital (leverage) ratio | 13.2346% | 1,058 |
| Tier 1 risk-based capital ratio | 25.4862% | 824 |
| Total risk-based capital ratio | 26.4107% | 837 |
| Memoranda: | ||
| Average total assets | $116,977,200 | 4,480 |
| Average earning assets | $108,897,800 | 4,424 |
| Average equity | $14,846,200 | 3,941 |
| Average total loans | $65,969,400 | 4,633 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9643% | 3,272 |
| Cost of funding earning assets | 0.8380% | 4,874 |
| Net interest margin | 4.1263% | 2,368 |
| Noninterest income to average assets | 0.5030% | 3,852 |
| Noninterest expense to average assets | 2.9176% | 3,850 |
| Loan and lease loss provision to assets | 0.0846% | 5,389 |
| Net operating income to assets | 0.9967% | 2,334 |
| Return on assets (ROA) | 0.9992% | 2,475 |
| Pretax return on assets | 1.3491% | 2,119 |
| Return on Equity (ROE) | 7.9002% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.3217% | 1,803 |
| Net charge-offs to loans | 0.0404% | 5,588 |
| Credit loss provision to net charge-offs | 370.0000% | 772 |
| Earnings coverage of net charge-offs (x) | 62.5407% | 531 |
| Efficiency ratio | 67.1049% | 4,501 |
| Assets per employee ($millions) | 4.1098% | 3,622 |
| Cash dividends to net income (ytd only)* | 7.3226% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 6,787 |
| Loan loss allowance to noncurrent loans | 296.2162% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 6,656 |
| Noncurrent loans to loans | 0.2754% | 6,318 |
| Net loans and leases to total assets | 55.8930% | 4,860 |
| Net loans and leases to deposits | 65.9940% | 4,908 |
| Net loans and leases to core deposits | 67.3294% | 5,262 |
| Total domestic deposits to total assets | 84.6941% | 3,918 |
| Equity capital to assets | 12.8340% | 1,697 |
| Core capital (leverage) ratio | 13.3184% | 1,102 |
| Tier 1 risk-based capital ratio | 24.8041% | 933 |
| Total risk-based capital ratio | 25.6785% | 948 |
| Memoranda: | ||
| Average total assets | $116,621,000 | 4,519 |
| Average earning assets | $108,666,500 | 4,465 |
| Average equity | $14,750,250 | 3,970 |
| Average total loans | $65,937,500 | 4,674 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0537% | 2,906 |
| Cost of funding earning assets | 0.8652% | 4,949 |
| Net interest margin | 4.1885% | 2,080 |
| Noninterest income to average assets | 0.4941% | 3,915 |
| Noninterest expense to average assets | 2.8575% | 4,202 |
| Loan and lease loss provision to assets | 0.0864% | 5,230 |
| Net operating income to assets | 1.0242% | 2,123 |
| Return on assets (ROA) | 1.0279% | 2,208 |
| Pretax return on assets | 1.4443% | 1,681 |
| Return on Equity (ROE) | 8.1684% | 2,870 |
| Retained earnings to average equity (ytd only) | 7.2898% | 1,744 |
| Net charge-offs to loans | 0.0366% | 5,339 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | 73.5833% | 465 |
| Efficiency ratio | 65.1951% | 5,024 |
| Assets per employee ($millions) | 4.1835% | 3,383 |
| Cash dividends to net income (ytd only)* | 10.7563% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 6,876 |
| Loan loss allowance to noncurrent loans | 300.5650% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 6,713 |
| Noncurrent loans to loans | 0.2649% | 6,394 |
| Net loans and leases to total assets | 56.5772% | 4,888 |
| Net loans and leases to deposits | 66.7264% | 4,890 |
| Net loans and leases to core deposits | 68.0935% | 5,281 |
| Total domestic deposits to total assets | 84.7899% | 3,973 |
| Equity capital to assets | 12.7669% | 1,642 |
| Core capital (leverage) ratio | 13.0817% | 1,116 |
| Tier 1 risk-based capital ratio | 23.9817% | 1,009 |
| Total risk-based capital ratio | 24.8174% | 1,037 |
| Memoranda: | ||
| Average total assets | $115,767,000 | 4,569 |
| Average earning assets | $107,485,670 | 4,522 |
| Average equity | $14,568,330 | 3,992 |
| Average total loans | $65,529,000 | 4,741 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0062% | 3,083 |
| Cost of funding earning assets | 0.8916% | 4,983 |
| Net interest margin | 4.1147% | 2,213 |
| Noninterest income to average assets | 0.4866% | 4,002 |
| Noninterest expense to average assets | 2.9058% | 4,033 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0144% | 2,139 |
| Return on assets (ROA) | 1.0219% | 2,150 |
| Pretax return on assets | 1.4251% | 1,657 |
| Return on Equity (ROE) | 8.1809% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.1809% | 1,669 |
| Net charge-offs to loans | 0.0740% | 4,198 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 33.9167% | 765 |
| Efficiency ratio | 67.2566% | 4,801 |
| Assets per employee ($millions) | 4.0309% | 3,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 7,010 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 54.8407% | 5,186 |
| Net loans and leases to deposits | 63.1742% | 5,364 |
| Net loans and leases to core deposits | 63.9251% | 5,737 |
| Total domestic deposits to total assets | 86.8087% | 3,052 |
| Equity capital to assets | 12.3957% | 1,686 |
| Core capital (leverage) ratio | 13.0990% | 1,097 |
| Tier 1 risk-based capital ratio | 23.9751% | 975 |
| Total risk-based capital ratio | 24.7440% | 1,008 |
| Memoranda: | ||
| Average total assets | $115,081,000 | 4,617 |
| Average earning assets | $107,226,500 | 4,549 |
| Average equity | $14,375,000 | 4,032 |
| Average total loans | $64,890,500 | 4,809 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 1,991 |
| Cost of funding earning assets | 1.0656% | 5,338 |
| Net interest margin | 4.5092% | 1,210 |
| Noninterest income to average assets | 0.5445% | 3,855 |
| Noninterest expense to average assets | 3.1104% | 3,410 |
| Loan and lease loss provision to assets | 0.0464% | 6,702 |
| Net operating income to assets | 1.0724% | 1,789 |
| Return on assets (ROA) | 1.0724% | 1,882 |
| Pretax return on assets | 1.5566% | 1,222 |
| Return on Equity (ROE) | 8.2853% | 2,589 |
| Retained earnings to average equity (ytd only) | 7.1887% | 1,240 |
| Net charge-offs to loans | 0.0914% | 5,932 |
| Credit loss provision to net charge-offs | 86.2069% | 5,272 |
| Earnings coverage of net charge-offs (x) | 29.7931% | 740 |
| Efficiency ratio | 65.9909% | 4,972 |
| Assets per employee ($millions) | 3.9058% | 3,992 |
| Cash dividends to net income (ytd only)* | 13.2353% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7578% | 7,048 |
| Loan loss allowance to noncurrent loans | 12,350.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 7,265 |
| Noncurrent loans to loans | 0.0061% | 7,151 |
| Net loans and leases to total assets | 57.1208% | 5,164 |
| Net loans and leases to deposits | 65.8514% | 5,422 |
| Net loans and leases to core deposits | 66.6567% | 5,817 |
| Total domestic deposits to total assets | 86.7419% | 2,950 |
| Equity capital to assets | 12.5897% | 1,582 |
| Core capital (leverage) ratio | 12.9609% | 1,139 |
| Tier 1 risk-based capital ratio | 23.0154% | 1,035 |
| Total risk-based capital ratio | 23.7871% | 1,087 |
| Memoranda: | ||
| Average total assets | $107,799,000 | 4,780 |
| Average earning assets | $99,663,400 | 4,734 |
| Average equity | $13,952,400 | 4,152 |
| Average total loans | $63,470,400 | 4,931 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6579% | 1,859 |
| Cost of funding earning assets | 1.0847% | 5,523 |
| Net interest margin | 4.5732% | 1,104 |
| Noninterest income to average assets | 0.5637% | 3,691 |
| Noninterest expense to average assets | 3.2095% | 2,895 |
| Loan and lease loss provision to assets | 0.0626% | 6,435 |
| Net operating income to assets | 1.0623% | 2,029 |
| Return on assets (ROA) | 1.0623% | 2,139 |
| Pretax return on assets | 1.5171% | 1,568 |
| Return on Equity (ROE) | 8.1485% | 2,843 |
| Retained earnings to average equity (ytd only) | 7.4182% | 1,633 |
| Net charge-offs to loans | 0.1248% | 5,304 |
| Credit loss provision to net charge-offs | 84.7458% | 4,973 |
| Earnings coverage of net charge-offs (x) | 21.3741% | 1,133 |
| Efficiency ratio | 67.0154% | 4,649 |
| Assets per employee ($millions) | 3.9900% | 3,857 |
| Cash dividends to net income (ytd only)* | 8.9622% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 7,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 7,234 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 57.5533% | 5,329 |
| Net loans and leases to deposits | 66.7379% | 5,577 |
| Net loans and leases to core deposits | 67.3736% | 6,004 |
| Total domestic deposits to total assets | 86.2378% | 2,955 |
| Equity capital to assets | 12.8635% | 1,651 |
| Core capital (leverage) ratio | 13.2871% | 1,124 |
| Tier 1 risk-based capital ratio | 23.1385% | 1,047 |
| Total risk-based capital ratio | 23.9251% | 1,081 |
| Memoranda: | ||
| Average total assets | $106,432,000 | 4,875 |
| Average earning assets | $98,338,000 | 4,829 |
| Average equity | $13,875,500 | 4,229 |
| Average total loans | $63,039,750 | 5,021 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 1,686 |
| Cost of funding earning assets | 1.0959% | 5,694 |
| Net interest margin | 4.6245% | 941 |
| Noninterest income to average assets | 0.5943% | 3,378 |
| Noninterest expense to average assets | 3.2980% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0930% | 1,882 |
| Return on assets (ROA) | 1.0930% | 1,949 |
| Pretax return on assets | 1.5535% | 1,423 |
| Return on Equity (ROE) | 8.3441% | 2,739 |
| Retained earnings to average equity (ytd only) | 7.2354% | 1,737 |
| Net charge-offs to loans | 0.0384% | 5,825 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 67.7500% | 461 |
| Efficiency ratio | 67.9795% | 4,587 |
| Assets per employee ($millions) | 3.7804% | 4,265 |
| Cash dividends to net income (ytd only)* | 13.2867% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 7,110 |
| Loan loss allowance to noncurrent loans | 426.0870% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 6,408 |
| Noncurrent loans to loans | 0.1793% | 6,894 |
| Net loans and leases to total assets | 60.1302% | 5,032 |
| Net loans and leases to deposits | 70.0140% | 5,276 |
| Net loans and leases to core deposits | 70.7172% | 5,806 |
| Total domestic deposits to total assets | 85.8831% | 3,160 |
| Equity capital to assets | 13.2695% | 1,447 |
| Core capital (leverage) ratio | 13.4555% | 1,072 |
| Tier 1 risk-based capital ratio | 23.0009% | 1,074 |
| Total risk-based capital ratio | 23.7931% | 1,100 |
| Memoranda: | ||
| Average total assets | $104,669,670 | 4,949 |
| Average earning assets | $96,356,000 | 4,918 |
| Average equity | $13,710,330 | 4,266 |
| Average total loans | $62,456,000 | 5,085 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6501% | 1,962 |
| Cost of funding earning assets | 1.1066% | 5,872 |
| Net interest margin | 4.5434% | 1,056 |
| Noninterest income to average assets | 0.5650% | 3,524 |
| Noninterest expense to average assets | 3.2745% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0723% | 1,925 |
| Return on assets (ROA) | 1.0723% | 1,996 |
| Pretax return on assets | 1.4720% | 1,590 |
| Return on Equity (ROE) | 8.2407% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.2407% | 1,608 |
| Net charge-offs to loans | 0.0130% | 5,400 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 191.5000% | 178 |
| Efficiency ratio | 68.9879% | 4,509 |
| Assets per employee ($millions) | 3.7484% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8048% | 7,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 6,697 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 58.7185% | 5,317 |
| Net loans and leases to deposits | 68.1432% | 5,568 |
| Net loans and leases to core deposits | 68.4383% | 6,063 |
| Total domestic deposits to total assets | 86.1693% | 3,051 |
| Equity capital to assets | 13.0704% | 1,495 |
| Core capital (leverage) ratio | 13.5405% | 1,076 |
| Tier 1 risk-based capital ratio | 23.2385% | 1,038 |
| Total risk-based capital ratio | 24.0678% | 1,074 |
| Memoranda: | ||
| Average total assets | $104,078,500 | 5,030 |
| Average earning assets | $95,786,500 | 4,994 |
| Average equity | $13,542,500 | 4,346 |
| Average total loans | $61,614,500 | 5,192 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1089% | 1,491 |
| Cost of funding earning assets | 1.3991% | 5,936 |
| Net interest margin | 4.7098% | 820 |
| Noninterest income to average assets | 0.5631% | 3,917 |
| Noninterest expense to average assets | 3.3564% | 2,816 |
| Loan and lease loss provision to assets | 0.0579% | 6,985 |
| Net operating income to assets | 1.0054% | 1,821 |
| Return on assets (ROA) | 1.0153% | 1,836 |
| Pretax return on assets | 1.4376% | 1,337 |
| Return on Equity (ROE) | 7.8073% | 2,459 |
| Retained earnings to average equity (ytd only) | 6.6405% | 1,100 |
| Net charge-offs to loans | 0.0562% | 6,539 |
| Credit loss provision to net charge-offs | 170.5882% | 2,499 |
| Earnings coverage of net charge-offs (x) | 43.6471% | 573 |
| Efficiency ratio | 69.3768% | 4,755 |
| Assets per employee ($millions) | 3.5587% | 4,870 |
| Cash dividends to net income (ytd only)* | 14.9459% | 3,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 7,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 6,646 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 58.7188% | 5,531 |
| Net loans and leases to deposits | 68.1539% | 5,805 |
| Net loans and leases to core deposits | 86.5515% | 5,468 |
| Total domestic deposits to total assets | 86.1563% | 2,928 |
| Equity capital to assets | 12.9523% | 1,527 |
| Core capital (leverage) ratio | 13.2918% | 1,157 |
| Tier 1 risk-based capital ratio | 22.8629% | 1,055 |
| Total risk-based capital ratio | 23.6988% | 1,080 |
| Memoranda: | ||
| Average total assets | $100,166,000 | 5,085 |
| Average earning assets | $90,916,600 | 5,093 |
| Average equity | $13,026,200 | 4,503 |
| Average total loans | $60,547,600 | 5,225 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1673% | 1,453 |
| Cost of funding earning assets | 1.4583% | 6,010 |
| Net interest margin | 4.7090% | 818 |
| Noninterest income to average assets | 0.5620% | 3,998 |
| Noninterest expense to average assets | 3.3947% | 2,593 |
| Loan and lease loss provision to assets | 0.0778% | 6,589 |
| Net operating income to assets | 0.9698% | 2,163 |
| Return on assets (ROA) | 0.9831% | 2,176 |
| Pretax return on assets | 1.3788% | 1,753 |
| Return on Equity (ROE) | 7.5520% | 2,843 |
| Retained earnings to average equity (ytd only) | 6.7690% | 1,604 |
| Net charge-offs to loans | 0.0265% | 6,509 |
| Credit loss provision to net charge-offs | 483.3333% | 818 |
| Earnings coverage of net charge-offs (x) | 89.3313% | 393 |
| Efficiency ratio | 70.2470% | 4,540 |
| Assets per employee ($millions) | 3.5148% | 4,888 |
| Cash dividends to net income (ytd only)* | 10.3683% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,902 |
| Loan loss allowance to noncurrent loans | 1,810.3448% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 6,460 |
| Noncurrent loans to loans | 0.0479% | 7,387 |
| Net loans and leases to total assets | 58.9159% | 5,751 |
| Net loans and leases to deposits | 68.6555% | 6,069 |
| Net loans and leases to core deposits | 87.7429% | 5,664 |
| Total domestic deposits to total assets | 85.8138% | 2,797 |
| Equity capital to assets | 13.1198% | 1,650 |
| Core capital (leverage) ratio | 13.4132% | 1,256 |
| Tier 1 risk-based capital ratio | 23.0822% | 1,102 |
| Total risk-based capital ratio | 23.9784% | 1,116 |
| Memoranda: | ||
| Average total assets | $99,407,000 | 5,137 |
| Average earning assets | $90,150,500 | 5,159 |
| Average equity | $12,941,000 | 4,557 |
| Average total loans | $60,409,250 | 5,266 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1970% | 1,465 |
| Cost of funding earning assets | 1.5088% | 6,107 |
| Net interest margin | 4.6883% | 814 |
| Noninterest income to average assets | 0.5418% | 4,102 |
| Noninterest expense to average assets | 3.3703% | 2,722 |
| Loan and lease loss provision to assets | 0.1015% | 6,156 |
| Net operating income to assets | 0.9654% | 2,222 |
| Return on assets (ROA) | 0.9841% | 2,266 |
| Pretax return on assets | 1.3838% | 1,773 |
| Return on Equity (ROE) | 7.5799% | 2,931 |
| Retained earnings to average equity (ytd only) | 6.3921% | 1,847 |
| Net charge-offs to loans | 0.0398% | 5,914 |
| Credit loss provision to net charge-offs | 416.6667% | 1,110 |
| Earnings coverage of net charge-offs (x) | 59.9167% | 595 |
| Efficiency ratio | 69.7899% | 4,824 |
| Assets per employee ($millions) | 3.2049% | 5,574 |
| Cash dividends to net income (ytd only)* | 15.6701% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8468% | 6,992 |
| Loan loss allowance to noncurrent loans | 197.7011% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 6,666 |
| Noncurrent loans to loans | 0.4283% | 6,448 |
| Net loans and leases to total assets | 60.8141% | 5,550 |
| Net loans and leases to deposits | 70.7502% | 5,899 |
| Net loans and leases to core deposits | 90.5413% | 5,492 |
| Total domestic deposits to total assets | 85.9560% | 2,816 |
| Equity capital to assets | 13.0093% | 1,686 |
| Core capital (leverage) ratio | 13.2883% | 1,334 |
| Tier 1 risk-based capital ratio | 22.4570% | 1,190 |
| Total risk-based capital ratio | 23.3299% | 1,212 |
| Memoranda: | ||
| Average total assets | $98,566,000 | 5,198 |
| Average earning assets | $90,140,000 | 5,192 |
| Average equity | $12,797,000 | 4,597 |
| Average total loans | $60,353,000 | 5,311 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2813% | 1,356 |
| Cost of funding earning assets | 1.5748% | 6,143 |
| Net interest margin | 4.7065% | 754 |
| Noninterest income to average assets | 0.5215% | 4,121 |
| Noninterest expense to average assets | 3.2840% | 2,709 |
| Loan and lease loss provision to assets | 0.1019% | 5,662 |
| Net operating income to assets | 1.0924% | 1,986 |
| Return on assets (ROA) | 1.1327% | 1,978 |
| Pretax return on assets | 1.4872% | 1,707 |
| Return on Equity (ROE) | 8.7332% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.7332% | 1,556 |
| Net charge-offs to loans | -0.0133% | 7,343 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1319% | 4,939 |
| Assets per employee ($millions) | 3.4030% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 7,006 |
| Loan loss allowance to noncurrent loans | 742.6471% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 7,389 |
| Noncurrent loans to loans | 0.1132% | 7,204 |
| Net loans and leases to total assets | 60.3727% | 5,595 |
| Net loans and leases to deposits | 70.3507% | 5,945 |
| Net loans and leases to core deposits | 90.4701% | 5,513 |
| Total domestic deposits to total assets | 85.8168% | 2,815 |
| Equity capital to assets | 12.9936% | 1,748 |
| Core capital (leverage) ratio | 13.4079% | 1,357 |
| Tier 1 risk-based capital ratio | 22.3336% | 1,263 |
| Total risk-based capital ratio | 23.1917% | 1,278 |
| Memoranda: | ||
| Average total assets | $98,173,000 | 5,231 |
| Average earning assets | $89,663,000 | 5,233 |
| Average equity | $12,733,000 | 4,648 |
| Average total loans | $60,061,500 | 5,355 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6319% | 2,330 |
| Cost of funding earning assets | 1.9892% | 6,443 |
| Net interest margin | 4.6427% | 1,065 |
| Noninterest income to average assets | 0.5769% | 4,031 |
| Noninterest expense to average assets | 3.2848% | 3,017 |
| Loan and lease loss provision to assets | 0.0172% | 7,170 |
| Net operating income to assets | 1.0899% | 2,186 |
| Return on assets (ROA) | 1.0899% | 2,102 |
| Pretax return on assets | 1.5481% | 1,541 |
| Return on Equity (ROE) | 8.7142% | 2,748 |
| Retained earnings to average equity (ytd only) | 7.3118% | 1,051 |
| Net charge-offs to loans | -0.0270% | 7,959 |
| Credit loss provision to net charge-offs | -106.2500% | 7,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7258% | 4,771 |
| Assets per employee ($millions) | 3.3676% | 5,046 |
| Cash dividends to net income (ytd only)* | 16.0930% | 4,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 7,121 |
| Loan loss allowance to noncurrent loans | 519.5652% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 7,202 |
| Noncurrent loans to loans | 0.1532% | 6,950 |
| Net loans and leases to total assets | 60.9877% | 5,773 |
| Net loans and leases to deposits | 71.5822% | 6,106 |
| Net loans and leases to core deposits | 93.1425% | 5,532 |
| Total domestic deposits to total assets | 85.1995% | 2,750 |
| Equity capital to assets | 12.9461% | 1,811 |
| Core capital (leverage) ratio | 12.9840% | 1,544 |
| Tier 1 risk-based capital ratio | 22.0467% | 1,313 |
| Total risk-based capital ratio | 22.8658% | 1,334 |
| Memoranda: | ||
| Average total assets | $98,636,200 | 5,098 |
| Average earning assets | $90,788,200 | 5,057 |
| Average equity | $12,336,200 | 4,747 |
| Average total loans | $59,251,800 | 5,302 |