Home > The Central National Bank of Poteau > Performance and Condition Ratios
The Central National Bank of Poteau, Performance and Condition Ratios
| 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 | 3.2072% | 3,415 |
| Cost of funding earning assets | 0.2473% | 2,735 |
| Net interest margin | 2.9600% | 3,326 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.4822% | 2,065 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.7367% | 3,461 |
| Return on assets (ROA) | 0.7367% | 3,406 |
| Pretax return on assets | 0.9160% | 3,270 |
| Return on Equity (ROE) | 5.8900% | 3,819 |
| Retained earnings to average equity (ytd only) | 2.8209% | 3,824 |
| Net charge-offs to loans | 0.0044% | 2,035 |
| Credit loss provision to net charge-offs | 800.0000% | 471 |
| Earnings coverage of net charge-offs (x) | 485.2000% | 318 |
| Efficiency ratio | 69.8830% | 1,776 |
| Assets per employee ($millions) | 4.2186% | 4,210 |
| Cash dividends to net income (ytd only)* | 52.1105% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1296% | 4,630 |
| Loan loss allowance to noncurrent loans | 19.6462% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 1,682 |
| Noncurrent loans to loans | 0.6598% | 1,234 |
| Net loans and leases to total assets | 47.5800% | 3,666 |
| Net loans and leases to deposits | 54.8442% | 3,556 |
| Net loans and leases to core deposits | 56.6076% | 3,590 |
| Total domestic deposits to total assets | 86.7500% | 2,839 |
| Equity capital to assets | 11.1872% | 1,107 |
| Core capital (leverage) ratio | 10.2241% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $347,311,500 | 2,246 |
| Average earning assets | $310,581,750 | 2,300 |
| Average equity | $43,437,000 | 1,838 |
| Average total loans | $151,128,000 | 2,628 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2674% | 2,846 |
| Cost of funding earning assets | 0.1910% | 3,034 |
| Net interest margin | 3.0765% | 2,615 |
| Noninterest income to average assets | 0.7400% | 1,201 |
| Noninterest expense to average assets | 2.4726% | 2,018 |
| Loan and lease loss provision to assets | 0.0229% | 2,185 |
| Net operating income to assets | 0.8236% | 2,870 |
| Return on assets (ROA) | 0.8236% | 2,842 |
| Pretax return on assets | 1.0127% | 2,680 |
| Return on Equity (ROE) | 6.3665% | 3,480 |
| Retained earnings to average equity (ytd only) | 1.9392% | 3,769 |
| Net charge-offs to loans | -0.0136% | 3,716 |
| Credit loss provision to net charge-offs | -400.0000% | 3,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7388% | 2,276 |
| Assets per employee ($millions) | 4.4389% | 4,126 |
| Cash dividends to net income (ytd only)* | 69.5410% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1488% | 4,697 |
| Loan loss allowance to noncurrent loans | 25.0000% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 2,020 |
| Noncurrent loans to loans | 0.5950% | 1,421 |
| Net loans and leases to total assets | 43.2614% | 3,888 |
| Net loans and leases to deposits | 49.2693% | 3,849 |
| Net loans and leases to core deposits | 50.8725% | 3,886 |
| Total domestic deposits to total assets | 87.8060% | 2,654 |
| Equity capital to assets | 12.0098% | 869 |
| Core capital (leverage) ratio | 10.0860% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $349,181,000 | 2,252 |
| Average earning assets | $314,191,000 | 2,302 |
| Average equity | $45,173,667 | 1,824 |
| Average total loans | $147,242,667 | 2,674 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2430% | 2,556 |
| Cost of funding earning assets | 0.1920% | 2,912 |
| Net interest margin | 3.0510% | 2,324 |
| Noninterest income to average assets | 0.7416% | 1,188 |
| Noninterest expense to average assets | 2.3993% | 2,164 |
| Loan and lease loss provision to assets | 0.0230% | 1,946 |
| Net operating income to assets | 0.9000% | 2,268 |
| Return on assets (ROA) | 0.9000% | 2,269 |
| Pretax return on assets | 1.0929% | 2,164 |
| Return on Equity (ROE) | 6.7148% | 3,123 |
| Retained earnings to average equity (ytd only) | 6.7148% | 1,989 |
| Net charge-offs to loans | -0.0525% | 4,272 |
| Credit loss provision to net charge-offs | -105.2632% | 2,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5127% | 2,829 |
| Assets per employee ($millions) | 4.5554% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1489% | 4,727 |
| Loan loss allowance to noncurrent loans | 24.5714% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 2,147 |
| Noncurrent loans to loans | 0.6059% | 1,547 |
| Net loans and leases to total assets | 41.1127% | 3,944 |
| Net loans and leases to deposits | 47.3013% | 3,909 |
| Net loans and leases to core deposits | 48.9802% | 3,927 |
| Total domestic deposits to total assets | 86.9166% | 2,961 |
| Equity capital to assets | 12.8183% | 730 |
| Core capital (leverage) ratio | 10.3243% | 1,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $348,435,000 | 2,265 |
| Average earning assets | $316,745,500 | 2,303 |
| Average equity | $46,703,000 | 1,831 |
| Average total loans | $144,898,000 | 2,690 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5214% | 4,744 |
| Cost of funding earning assets | 0.0829% | 4,512 |
| Net interest margin | 1.4385% | 4,730 |
| Noninterest income to average assets | 0.2823% | 3,704 |
| Noninterest expense to average assets | 0.9972% | 4,761 |
| Loan and lease loss provision to assets | 0.0433% | 2,188 |
| Net operating income to assets | 0.4709% | 4,139 |
| Return on assets (ROA) | 0.4709% | 4,183 |
| Pretax return on assets | 0.5934% | 4,119 |
| Return on Equity (ROE) | 3.8864% | 4,240 |
| Retained earnings to average equity (ytd only) | 1.3346% | 4,165 |
| Net charge-offs to loans | -0.0242% | 4,046 |
| Credit loss provision to net charge-offs | -388.8889% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3838% | 3,383 |
| Assets per employee ($millions) | 4.1203% | 4,375 |
| Cash dividends to net income (ytd only)* | 65.6599% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1211% | 4,766 |
| Loan loss allowance to noncurrent loans | 20.2999% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 2,316 |
| Noncurrent loans to loans | 0.5964% | 1,647 |
| Net loans and leases to total assets | 41.9514% | 3,981 |
| Net loans and leases to deposits | 49.0776% | 3,938 |
| Net loans and leases to core deposits | 50.9545% | 3,970 |
| Total domestic deposits to total assets | 85.4798% | 3,097 |
| Equity capital to assets | 13.9969% | 665 |
| Core capital (leverage) ratio | 10.5287% | 1,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,399,800 | 2,327 |
| Average earning assets | $303,864,800 | 2,312 |
| Average equity | $39,187,600 | 2,109 |
| Average total loans | $148,569,800 | 2,644 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8120% | 4,882 |
| Cost of funding earning assets | 0.0430% | 4,806 |
| Net interest margin | 0.7690% | 4,877 |
| Noninterest income to average assets | 0.1414% | 4,493 |
| Noninterest expense to average assets | 0.5069% | 4,893 |
| Loan and lease loss provision to assets | 0.0085% | 2,814 |
| Net operating income to assets | 0.2786% | 4,549 |
| Return on assets (ROA) | 0.2786% | 4,573 |
| Pretax return on assets | 0.3542% | 4,544 |
| Return on Equity (ROE) | 2.4009% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.4009% | 4,081 |
| Net charge-offs to loans | 0.0062% | 2,090 |
| Credit loss provision to net charge-offs | 285.7143% | 1,030 |
| Earnings coverage of net charge-offs (x) | 123.4286% | 760 |
| Efficiency ratio | 55.5985% | 3,579 |
| Assets per employee ($millions) | 4.1206% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0088% | 4,865 |
| Loan loss allowance to noncurrent loans | 1.2334% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 2,186 |
| Noncurrent loans to loans | 0.7167% | 1,553 |
| Net loans and leases to total assets | 44.0561% | 3,950 |
| Net loans and leases to deposits | 51.9239% | 3,890 |
| Net loans and leases to core deposits | 54.3248% | 3,895 |
| Total domestic deposits to total assets | 84.8474% | 3,166 |
| Equity capital to assets | 14.8056% | 570 |
| Core capital (leverage) ratio | 10.9303% | 1,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,723,500 | 2,378 |
| Average earning assets | $300,810,250 | 2,354 |
| Average equity | $36,873,500 | 2,241 |
| Average total loans | $149,369,250 | 2,679 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 1,903 |
| Cost of funding earning assets | 0.2450% | 3,325 |
| Net interest margin | 3.6241% | 1,536 |
| Noninterest income to average assets | 0.7261% | 1,730 |
| Noninterest expense to average assets | 2.4701% | 2,241 |
| Loan and lease loss provision to assets | 0.0384% | 2,227 |
| Net operating income to assets | 1.6928% | 887 |
| Return on assets (ROA) | 1.6928% | 931 |
| Pretax return on assets | 1.6928% | 1,495 |
| Return on Equity (ROE) | 16.1750% | 920 |
| Retained earnings to average equity (ytd only) | 16.0221% | 338 |
| Net charge-offs to loans | 0.0280% | 1,391 |
| Credit loss provision to net charge-offs | 285.7143% | 911 |
| Earnings coverage of net charge-offs (x) | 128.7619% | 649 |
| Efficiency ratio | 58.7931% | 3,175 |
| Assets per employee ($millions) | 3.9669% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.9455% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,761 |
| Loan loss allowance to noncurrent loans | 158.4582% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 2,449 |
| Noncurrent loans to loans | 0.6426% | 1,809 |
| Net loans and leases to total assets | 45.3344% | 3,953 |
| Net loans and leases to deposits | 50.9612% | 4,050 |
| Net loans and leases to core deposits | 53.3015% | 4,057 |
| Total domestic deposits to total assets | 88.9587% | 1,302 |
| Equity capital to assets | 10.6597% | 2,261 |
| Core capital (leverage) ratio | 10.0544% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,374,000 | 2,399 |
| Average earning assets | $299,550,000 | 2,356 |
| Average equity | $32,692,333 | 2,421 |
| Average total loans | $150,139,000 | 2,688 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7978% | 2,106 |
| Cost of funding earning assets | 0.2645% | 3,334 |
| Net interest margin | 3.5332% | 1,739 |
| Noninterest income to average assets | 0.7345% | 1,763 |
| Noninterest expense to average assets | 2.4099% | 2,468 |
| Loan and lease loss provision to assets | 0.0774% | 1,642 |
| Net operating income to assets | 1.6264% | 1,068 |
| Return on assets (ROA) | 1.6264% | 1,123 |
| Pretax return on assets | 1.6264% | 1,662 |
| Return on Equity (ROE) | 15.6892% | 1,082 |
| Retained earnings to average equity (ytd only) | 15.6892% | 552 |
| Net charge-offs to loans | 0.0184% | 1,375 |
| Credit loss provision to net charge-offs | 857.1429% | 454 |
| Earnings coverage of net charge-offs (x) | 188.5714% | 417 |
| Efficiency ratio | 58.5817% | 3,220 |
| Assets per employee ($millions) | 3.9254% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 3,918 |
| Loan loss allowance to noncurrent loans | 153.0738% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 2,583 |
| Noncurrent loans to loans | 0.6402% | 1,970 |
| Net loans and leases to total assets | 48.0704% | 3,810 |
| Net loans and leases to deposits | 53.7714% | 3,955 |
| Net loans and leases to core deposits | 56.3481% | 3,952 |
| Total domestic deposits to total assets | 89.3978% | 1,127 |
| Equity capital to assets | 10.2347% | 2,492 |
| Core capital (leverage) ratio | 9.7283% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,883,500 | 2,395 |
| Average earning assets | $296,386,000 | 2,356 |
| Average equity | $32,124,000 | 2,436 |
| Average total loans | $152,533,000 | 2,659 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 1,868 |
| Cost of funding earning assets | 0.4575% | 3,239 |
| Net interest margin | 3.8435% | 1,380 |
| Noninterest income to average assets | 0.7786% | 1,596 |
| Noninterest expense to average assets | 2.7697% | 2,019 |
| Loan and lease loss provision to assets | 0.0935% | 3,183 |
| Net operating income to assets | 1.5832% | 667 |
| Return on assets (ROA) | 1.6486% | 621 |
| Pretax return on assets | 1.6486% | 958 |
| Return on Equity (ROE) | 15.3373% | 584 |
| Retained earnings to average equity (ytd only) | 8.7092% | 848 |
| Net charge-offs to loans | 0.0560% | 1,978 |
| Credit loss provision to net charge-offs | 295.4545% | 1,758 |
| Earnings coverage of net charge-offs (x) | 52.9773% | 1,144 |
| Efficiency ratio | 62.2907% | 3,078 |
| Assets per employee ($millions) | 3.7285% | 4,549 |
| Cash dividends to net income (ytd only)* | 43.2155% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 4,060 |
| Loan loss allowance to noncurrent loans | 217.3454% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 3,209 |
| Noncurrent loans to loans | 0.4344% | 2,671 |
| Net loans and leases to total assets | 49.4463% | 3,867 |
| Net loans and leases to deposits | 55.3641% | 4,040 |
| Net loans and leases to core deposits | 58.1176% | 4,044 |
| Total domestic deposits to total assets | 89.3111% | 852 |
| Equity capital to assets | 10.5018% | 2,671 |
| Core capital (leverage) ratio | 10.1582% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,048,800 | 2,410 |
| Average earning assets | $265,334,400 | 2,367 |
| Average equity | $29,888,000 | 2,481 |
| Average total loans | $157,222,600 | 2,592 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 1,406 |
| Cost of funding earning assets | 0.5088% | 3,168 |
| Net interest margin | 4.0582% | 984 |
| Noninterest income to average assets | 0.7888% | 1,536 |
| Noninterest expense to average assets | 2.7957% | 1,975 |
| Loan and lease loss provision to assets | 0.1280% | 2,748 |
| Net operating income to assets | 1.7403% | 527 |
| Return on assets (ROA) | 1.8254% | 477 |
| Pretax return on assets | 1.8254% | 747 |
| Return on Equity (ROE) | 16.8725% | 459 |
| Retained earnings to average equity (ytd only) | 10.3090% | 701 |
| Net charge-offs to loans | 0.0749% | 1,563 |
| Credit loss provision to net charge-offs | 292.1348% | 1,791 |
| Earnings coverage of net charge-offs (x) | 42.6854% | 1,315 |
| Efficiency ratio | 59.9431% | 3,398 |
| Assets per employee ($millions) | 3.5019% | 4,659 |
| Cash dividends to net income (ytd only)* | 38.9009% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 3,891 |
| Loan loss allowance to noncurrent loans | 187.7445% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 3,083 |
| Noncurrent loans to loans | 0.5054% | 2,534 |
| Net loans and leases to total assets | 52.9934% | 3,892 |
| Net loans and leases to deposits | 59.7630% | 4,069 |
| Net loans and leases to core deposits | 63.1770% | 4,043 |
| Total domestic deposits to total assets | 88.6725% | 909 |
| Equity capital to assets | 11.1593% | 2,276 |
| Core capital (leverage) ratio | 10.1654% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,126,500 | 2,430 |
| Average earning assets | $258,892,000 | 2,382 |
| Average equity | $29,333,000 | 2,510 |
| Average total loans | $158,374,000 | 2,588 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7921% | 1,189 |
| Cost of funding earning assets | 0.5708% | 3,122 |
| Net interest margin | 4.2213% | 882 |
| Noninterest income to average assets | 0.8144% | 1,396 |
| Noninterest expense to average assets | 2.8904% | 1,853 |
| Loan and lease loss provision to assets | 0.1948% | 2,088 |
| Net operating income to assets | 1.7516% | 555 |
| Return on assets (ROA) | 1.7516% | 607 |
| Pretax return on assets | 1.7516% | 888 |
| Return on Equity (ROE) | 16.3729% | 506 |
| Retained earnings to average equity (ytd only) | 7.5702% | 1,438 |
| Net charge-offs to loans | 0.1009% | 1,262 |
| Credit loss provision to net charge-offs | 320.9877% | 1,564 |
| Earnings coverage of net charge-offs (x) | 32.0741% | 1,382 |
| Efficiency ratio | 59.7584% | 3,440 |
| Assets per employee ($millions) | 3.5296% | 4,645 |
| Cash dividends to net income (ytd only)* | 53.7639% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 3,949 |
| Loan loss allowance to noncurrent loans | 240.9318% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 3,479 |
| Noncurrent loans to loans | 0.3786% | 3,057 |
| Net loans and leases to total assets | 55.7095% | 3,715 |
| Net loans and leases to deposits | 62.9361% | 3,955 |
| Net loans and leases to core deposits | 66.7882% | 3,935 |
| Total domestic deposits to total assets | 88.5175% | 937 |
| Equity capital to assets | 10.8499% | 2,463 |
| Core capital (leverage) ratio | 10.0123% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,950,000 | 2,432 |
| Average earning assets | $254,378,333 | 2,387 |
| Average equity | $28,559,333 | 2,543 |
| Average total loans | $160,579,000 | 2,561 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 1,489 |
| Cost of funding earning assets | 0.6588% | 3,122 |
| Net interest margin | 4.1165% | 1,098 |
| Noninterest income to average assets | 0.8317% | 1,218 |
| Noninterest expense to average assets | 2.8545% | 2,260 |
| Loan and lease loss provision to assets | 0.2160% | 1,425 |
| Net operating income to assets | 1.6757% | 538 |
| Return on assets (ROA) | 1.6757% | 593 |
| Pretax return on assets | 1.6757% | 899 |
| Return on Equity (ROE) | 15.7846% | 453 |
| Retained earnings to average equity (ytd only) | 15.7846% | 156 |
| Net charge-offs to loans | 0.1783% | 751 |
| Credit loss provision to net charge-offs | 194.4444% | 1,431 |
| Earnings coverage of net charge-offs (x) | 17.0278% | 1,506 |
| Efficiency ratio | 60.1430% | 3,720 |
| Assets per employee ($millions) | 3.3159% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 4,286 |
| Loan loss allowance to noncurrent loans | 109.7701% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 2,583 |
| Noncurrent loans to loans | 0.7718% | 2,071 |
| Net loans and leases to total assets | 60.4991% | 3,444 |
| Net loans and leases to deposits | 68.8433% | 3,670 |
| Net loans and leases to core deposits | 73.4646% | 3,673 |
| Total domestic deposits to total assets | 87.8794% | 1,154 |
| Equity capital to assets | 10.7771% | 3,069 |
| Core capital (leverage) ratio | 10.6011% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,240,000 | 2,438 |
| Average earning assets | $246,519,500 | 2,396 |
| Average equity | $27,520,500 | 2,603 |
| Average total loans | $161,491,000 | 2,528 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 1,426 |
| Cost of funding earning assets | 0.7882% | 2,736 |
| Net interest margin | 4.2306% | 1,257 |
| Noninterest income to average assets | 0.8785% | 1,224 |
| Noninterest expense to average assets | 3.0201% | 1,967 |
| Loan and lease loss provision to assets | 0.0477% | 3,073 |
| Net operating income to assets | 1.8282% | 499 |
| Return on assets (ROA) | 1.8282% | 520 |
| Pretax return on assets | 1.8282% | 878 |
| Return on Equity (ROE) | 17.2023% | 399 |
| Retained earnings to average equity (ytd only) | 2.8964% | 3,581 |
| Net charge-offs to loans | 0.0510% | 2,388 |
| Credit loss provision to net charge-offs | 144.5783% | 1,778 |
| Earnings coverage of net charge-offs (x) | 56.8313% | 1,022 |
| Efficiency ratio | 61.6847% | 3,426 |
| Assets per employee ($millions) | 3.2891% | 4,652 |
| Cash dividends to net income (ytd only)* | 83.1629% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7683% | 4,397 |
| Loan loss allowance to noncurrent loans | 91.4924% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 2,261 |
| Noncurrent loans to loans | 0.8397% | 1,831 |
| Net loans and leases to total assets | 63.0778% | 3,309 |
| Net loans and leases to deposits | 71.1402% | 3,579 |
| Net loans and leases to core deposits | 75.3893% | 3,618 |
| Total domestic deposits to total assets | 88.6668% | 809 |
| Equity capital to assets | 10.4554% | 3,493 |
| Core capital (leverage) ratio | 10.5328% | 2,921 |
| Tier 1 risk-based capital ratio | 16.8284% | 2,112 |
| Total risk-based capital ratio | 17.6389% | 2,203 |
| Memoranda: | ||
| Average total assets | $251,449,800 | 2,453 |
| Average earning assets | $238,783,600 | 2,415 |
| Average equity | $26,723,200 | 2,578 |
| Average total loans | $162,836,400 | 2,477 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0770% | 1,336 |
| Cost of funding earning assets | 0.8113% | 2,651 |
| Net interest margin | 4.2657% | 1,234 |
| Noninterest income to average assets | 0.8876% | 1,168 |
| Noninterest expense to average assets | 3.0115% | 1,946 |
| Loan and lease loss provision to assets | 0.0642% | 2,606 |
| Net operating income to assets | 1.8661% | 544 |
| Return on assets (ROA) | 1.8661% | 565 |
| Pretax return on assets | 1.8661% | 945 |
| Return on Equity (ROE) | 17.4853% | 435 |
| Retained earnings to average equity (ytd only) | 11.1826% | 491 |
| Net charge-offs to loans | 0.0649% | 1,892 |
| Credit loss provision to net charge-offs | 151.8987% | 1,614 |
| Earnings coverage of net charge-offs (x) | 45.6965% | 1,256 |
| Efficiency ratio | 60.9392% | 3,487 |
| Assets per employee ($millions) | 3.1415% | 4,801 |
| Cash dividends to net income (ytd only)* | 36.0458% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 4,439 |
| Loan loss allowance to noncurrent loans | 133.4382% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 2,973 |
| Noncurrent loans to loans | 0.5917% | 2,513 |
| Net loans and leases to total assets | 64.4542% | 3,243 |
| Net loans and leases to deposits | 73.0832% | 3,549 |
| Net loans and leases to core deposits | 77.3052% | 3,602 |
| Total domestic deposits to total assets | 88.1929% | 954 |
| Equity capital to assets | 11.5456% | 2,633 |
| Core capital (leverage) ratio | 11.1127% | 2,550 |
| Tier 1 risk-based capital ratio | 18.2739% | 1,741 |
| Total risk-based capital ratio | 19.1106% | 1,805 |
| Memoranda: | ||
| Average total assets | $249,352,750 | 2,486 |
| Average earning assets | $236,985,500 | 2,441 |
| Average equity | $26,612,250 | 2,603 |
| Average total loans | $162,253,250 | 2,512 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 1,302 |
| Cost of funding earning assets | 0.7974% | 2,657 |
| Net interest margin | 4.2717% | 1,197 |
| Noninterest income to average assets | 0.8705% | 1,153 |
| Noninterest expense to average assets | 3.0415% | 1,882 |
| Loan and lease loss provision to assets | 0.0961% | 1,933 |
| Net operating income to assets | 1.7914% | 608 |
| Return on assets (ROA) | 1.7914% | 630 |
| Pretax return on assets | 1.7914% | 1,053 |
| Return on Equity (ROE) | 17.2530% | 441 |
| Retained earnings to average equity (ytd only) | 7.5506% | 1,579 |
| Net charge-offs to loans | 0.0566% | 1,835 |
| Credit loss provision to net charge-offs | 260.8696% | 987 |
| Earnings coverage of net charge-offs (x) | 51.2391% | 1,073 |
| Efficiency ratio | 61.7059% | 3,480 |
| Assets per employee ($millions) | 3.1698% | 4,791 |
| Cash dividends to net income (ytd only)* | 56.2360% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 4,461 |
| Loan loss allowance to noncurrent loans | 108.3817% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 2,630 |
| Noncurrent loans to loans | 0.7330% | 2,154 |
| Net loans and leases to total assets | 64.3134% | 3,304 |
| Net loans and leases to deposits | 72.5898% | 3,631 |
| Net loans and leases to core deposits | 76.6400% | 3,676 |
| Total domestic deposits to total assets | 88.5985% | 829 |
| Equity capital to assets | 10.6870% | 3,352 |
| Core capital (leverage) ratio | 10.5119% | 3,075 |
| Tier 1 risk-based capital ratio | 16.9681% | 2,101 |
| Total risk-based capital ratio | 17.8026% | 2,171 |
| Memoranda: | ||
| Average total assets | $249,743,330 | 2,492 |
| Average earning assets | $237,283,000 | 2,447 |
| Average equity | $25,931,670 | 2,640 |
| Average total loans | $162,592,330 | 2,509 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0795% | 1,140 |
| Cost of funding earning assets | 0.7512% | 2,785 |
| Net interest margin | 4.3283% | 1,047 |
| Noninterest income to average assets | 0.8377% | 1,195 |
| Noninterest expense to average assets | 2.9698% | 2,075 |
| Loan and lease loss provision to assets | 0.0968% | 1,811 |
| Net operating income to assets | 1.8723% | 487 |
| Return on assets (ROA) | 1.8723% | 501 |
| Pretax return on assets | 1.8723% | 845 |
| Return on Equity (ROE) | 18.3056% | 373 |
| Retained earnings to average equity (ytd only) | 18.3056% | 135 |
| Net charge-offs to loans | 0.0693% | 1,363 |
| Credit loss provision to net charge-offs | 214.2857% | 1,008 |
| Earnings coverage of net charge-offs (x) | 43.5714% | 1,101 |
| Efficiency ratio | 60.1307% | 3,789 |
| Assets per employee ($millions) | 3.1022% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 4,602 |
| Loan loss allowance to noncurrent loans | 103.6916% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 2,647 |
| Noncurrent loans to loans | 0.7437% | 2,165 |
| Net loans and leases to total assets | 65.5336% | 3,110 |
| Net loans and leases to deposits | 73.4321% | 3,492 |
| Net loans and leases to core deposits | 77.6643% | 3,541 |
| Total domestic deposits to total assets | 89.2438% | 746 |
| Equity capital to assets | 10.5967% | 3,255 |
| Core capital (leverage) ratio | 10.8211% | 2,747 |
| Tier 1 risk-based capital ratio | 17.2669% | 2,030 |
| Total risk-based capital ratio | 18.0833% | 2,113 |
| Memoranda: | ||
| Average total assets | $247,825,000 | 2,527 |
| Average earning assets | $234,824,500 | 2,491 |
| Average equity | $25,347,500 | 2,687 |
| Average total loans | $161,692,500 | 2,548 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 1,072 |
| Cost of funding earning assets | 0.5024% | 3,334 |
| Net interest margin | 4.4836% | 784 |
| Noninterest income to average assets | 0.9679% | 1,016 |
| Noninterest expense to average assets | 3.1555% | 1,658 |
| Loan and lease loss provision to assets | 0.0670% | 2,814 |
| Net operating income to assets | 1.9840% | 373 |
| Return on assets (ROA) | 1.9840% | 369 |
| Pretax return on assets | 1.9840% | 580 |
| Return on Equity (ROE) | 19.3331% | 294 |
| Retained earnings to average equity (ytd only) | 4.0364% | 3,343 |
| Net charge-offs to loans | 0.0830% | 1,952 |
| Credit loss provision to net charge-offs | 122.1374% | 2,135 |
| Earnings coverage of net charge-offs (x) | 37.3817% | 1,382 |
| Efficiency ratio | 60.6065% | 3,759 |
| Assets per employee ($millions) | 3.1728% | 4,864 |
| Cash dividends to net income (ytd only)* | 79.1218% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 4,622 |
| Loan loss allowance to noncurrent loans | 125.2033% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 2,887 |
| Noncurrent loans to loans | 0.6170% | 2,434 |
| Net loans and leases to total assets | 63.9463% | 3,365 |
| Net loans and leases to deposits | 71.6612% | 3,701 |
| Net loans and leases to core deposits | 74.9915% | 3,785 |
| Total domestic deposits to total assets | 89.2342% | 759 |
| Equity capital to assets | 9.8583% | 3,807 |
| Core capital (leverage) ratio | 10.6689% | 2,869 |
| Tier 1 risk-based capital ratio | 16.7613% | 2,151 |
| Total risk-based capital ratio | 17.5687% | 2,244 |
| Memoranda: | ||
| Average total assets | $238,754,200 | 2,553 |
| Average earning assets | $225,711,400 | 2,517 |
| Average equity | $24,502,000 | 2,678 |
| Average total loans | $157,839,200 | 2,549 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 1,016 |
| Cost of funding earning assets | 0.4541% | 3,500 |
| Net interest margin | 4.5064% | 730 |
| Noninterest income to average assets | 0.9756% | 996 |
| Noninterest expense to average assets | 3.0485% | 1,881 |
| Loan and lease loss provision to assets | 0.0676% | 2,627 |
| Net operating income to assets | 2.1270% | 292 |
| Return on assets (ROA) | 2.1270% | 287 |
| Pretax return on assets | 2.1270% | 451 |
| Return on Equity (ROE) | 20.5146% | 241 |
| Retained earnings to average equity (ytd only) | 13.6547% | 286 |
| Net charge-offs to loans | 0.0483% | 2,138 |
| Credit loss provision to net charge-offs | 210.5263% | 1,329 |
| Earnings coverage of net charge-offs (x) | 68.3141% | 975 |
| Efficiency ratio | 58.1425% | 4,099 |
| Assets per employee ($millions) | 3.0031% | 5,036 |
| Cash dividends to net income (ytd only)* | 33.4393% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 4,585 |
| Loan loss allowance to noncurrent loans | 152.5301% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 3,125 |
| Noncurrent loans to loans | 0.5303% | 2,791 |
| Net loans and leases to total assets | 66.2738% | 3,150 |
| Net loans and leases to deposits | 76.9448% | 3,332 |
| Net loans and leases to core deposits | 80.8006% | 3,429 |
| Total domestic deposits to total assets | 86.1316% | 2,126 |
| Equity capital to assets | 10.7904% | 2,852 |
| Core capital (leverage) ratio | 11.3738% | 2,268 |
| Tier 1 risk-based capital ratio | 18.2095% | 1,740 |
| Total risk-based capital ratio | 19.0603% | 1,802 |
| Memoranda: | ||
| Average total assets | $236,573,250 | 2,578 |
| Average earning assets | $224,032,750 | 2,543 |
| Average equity | $24,528,250 | 2,686 |
| Average total loans | $157,427,750 | 2,566 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8618% | 1,104 |
| Cost of funding earning assets | 0.4191% | 3,579 |
| Net interest margin | 4.4427% | 781 |
| Noninterest income to average assets | 0.9446% | 1,065 |
| Noninterest expense to average assets | 3.0689% | 1,864 |
| Loan and lease loss provision to assets | 0.1011% | 1,926 |
| Net operating income to assets | 1.9819% | 394 |
| Return on assets (ROA) | 1.9819% | 391 |
| Pretax return on assets | 1.9819% | 629 |
| Return on Equity (ROE) | 19.3748% | 306 |
| Retained earnings to average equity (ytd only) | 8.9790% | 1,227 |
| Net charge-offs to loans | 0.0304% | 2,250 |
| Credit loss provision to net charge-offs | 500.0000% | 700 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 686 |
| Efficiency ratio | 59.5682% | 3,997 |
| Assets per employee ($millions) | 3.0752% | 5,049 |
| Cash dividends to net income (ytd only)* | 53.6565% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 4,578 |
| Loan loss allowance to noncurrent loans | 91.4789% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 2,421 |
| Noncurrent loans to loans | 0.9168% | 1,888 |
| Net loans and leases to total assets | 64.8649% | 3,296 |
| Net loans and leases to deposits | 72.8387% | 3,647 |
| Net loans and leases to core deposits | 76.4470% | 3,714 |
| Total domestic deposits to total assets | 89.0528% | 913 |
| Equity capital to assets | 10.2415% | 3,397 |
| Core capital (leverage) ratio | 10.8043% | 2,692 |
| Tier 1 risk-based capital ratio | 17.3326% | 1,990 |
| Total risk-based capital ratio | 18.2096% | 2,057 |
| Memoranda: | ||
| Average total assets | $237,349,330 | 2,587 |
| Average earning assets | $224,773,000 | 2,556 |
| Average equity | $24,279,000 | 2,728 |
| Average total loans | $157,734,000 | 2,574 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 916 |
| Cost of funding earning assets | 0.3931% | 3,641 |
| Net interest margin | 4.4823% | 643 |
| Noninterest income to average assets | 0.9729% | 971 |
| Noninterest expense to average assets | 2.8986% | 2,375 |
| Loan and lease loss provision to assets | 0.1010% | 1,838 |
| Net operating income to assets | 2.2152% | 240 |
| Return on assets (ROA) | 2.2152% | 240 |
| Pretax return on assets | 2.2152% | 367 |
| Return on Equity (ROE) | 21.6688% | 171 |
| Retained earnings to average equity (ytd only) | 21.6688% | 77 |
| Net charge-offs to loans | -0.0075% | 4,147 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5842% | 4,637 |
| Assets per employee ($millions) | 3.0397% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,811 |
| Loan loss allowance to noncurrent loans | 89.4700% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 2,526 |
| Noncurrent loans to loans | 0.8845% | 2,061 |
| Net loans and leases to total assets | 66.9425% | 2,897 |
| Net loans and leases to deposits | 74.7585% | 3,336 |
| Net loans and leases to core deposits | 79.0627% | 3,395 |
| Total domestic deposits to total assets | 89.5450% | 865 |
| Equity capital to assets | 10.3381% | 3,230 |
| Core capital (leverage) ratio | 10.9684% | 2,475 |
| Tier 1 risk-based capital ratio | 17.3145% | 2,027 |
| Total risk-based capital ratio | 18.1608% | 2,091 |
| Memoranda: | ||
| Average total assets | $237,628,000 | 2,606 |
| Average earning assets | $224,883,000 | 2,570 |
| Average equity | $24,293,000 | 2,746 |
| Average total loans | $159,154,000 | 2,578 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 1,224 |
| Cost of funding earning assets | 0.3269% | 3,903 |
| Net interest margin | 4.3634% | 833 |
| Noninterest income to average assets | 0.9022% | 1,260 |
| Noninterest expense to average assets | 2.9728% | 2,239 |
| Loan and lease loss provision to assets | 0.1013% | 2,200 |
| Net operating income to assets | 1.9508% | 313 |
| Return on assets (ROA) | 1.9571% | 310 |
| Pretax return on assets | 1.9571% | 539 |
| Return on Equity (ROE) | 19.0721% | 234 |
| Retained earnings to average equity (ytd only) | 4.7660% | 2,282 |
| Net charge-offs to loans | 0.0268% | 3,276 |
| Credit loss provision to net charge-offs | 585.3659% | 551 |
| Earnings coverage of net charge-offs (x) | 118.6098% | 572 |
| Efficiency ratio | 59.1619% | 4,389 |
| Assets per employee ($millions) | 3.0534% | 5,160 |
| Cash dividends to net income (ytd only)* | 75.0108% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 4,931 |
| Loan loss allowance to noncurrent loans | 123.0061% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 2,924 |
| Noncurrent loans to loans | 0.6177% | 2,684 |
| Net loans and leases to total assets | 65.9729% | 3,102 |
| Net loans and leases to deposits | 74.1517% | 3,509 |
| Net loans and leases to core deposits | 78.8307% | 3,515 |
| Total domestic deposits to total assets | 88.9702% | 1,015 |
| Equity capital to assets | 10.1086% | 3,588 |
| Core capital (leverage) ratio | 10.4246% | 2,939 |
| Tier 1 risk-based capital ratio | 16.4731% | 2,278 |
| Total risk-based capital ratio | 17.2792% | 2,363 |
| Memoranda: | ||
| Average total assets | $236,984,000 | 2,588 |
| Average earning assets | $223,908,000 | 2,558 |
| Average equity | $24,318,200 | 2,730 |
| Average total loans | $152,974,600 | 2,624 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 1,303 |
| Cost of funding earning assets | 0.3133% | 3,998 |
| Net interest margin | 4.3129% | 892 |
| Noninterest income to average assets | 0.9052% | 1,259 |
| Noninterest expense to average assets | 2.8453% | 2,577 |
| Loan and lease loss provision to assets | 0.1014% | 2,089 |
| Net operating income to assets | 2.0369% | 301 |
| Return on assets (ROA) | 2.0454% | 297 |
| Pretax return on assets | 2.0454% | 500 |
| Return on Equity (ROE) | 19.8581% | 229 |
| Retained earnings to average equity (ytd only) | 12.9398% | 227 |
| Net charge-offs to loans | 0.0290% | 2,848 |
| Credit loss provision to net charge-offs | 545.4545% | 579 |
| Earnings coverage of net charge-offs (x) | 115.0275% | 636 |
| Efficiency ratio | 57.0928% | 4,603 |
| Assets per employee ($millions) | 3.0735% | 5,202 |
| Cash dividends to net income (ytd only)* | 34.8388% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 5,075 |
| Loan loss allowance to noncurrent loans | 135.8914% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 3,246 |
| Noncurrent loans to loans | 0.5371% | 3,094 |
| Net loans and leases to total assets | 66.1521% | 3,084 |
| Net loans and leases to deposits | 76.1057% | 3,368 |
| Net loans and leases to core deposits | 81.4180% | 3,339 |
| Total domestic deposits to total assets | 86.9214% | 1,894 |
| Equity capital to assets | 10.9519% | 2,907 |
| Core capital (leverage) ratio | 10.9623% | 2,492 |
| Tier 1 risk-based capital ratio | 17.5852% | 1,982 |
| Total risk-based capital ratio | 18.3699% | 2,082 |
| Memoranda: | ||
| Average total assets | $236,689,250 | 2,609 |
| Average earning assets | $223,819,500 | 2,575 |
| Average equity | $24,379,000 | 2,743 |
| Average total loans | $151,636,750 | 2,657 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5413% | 1,411 |
| Cost of funding earning assets | 0.3028% | 4,053 |
| Net interest margin | 4.2386% | 996 |
| Noninterest income to average assets | 0.8635% | 1,381 |
| Noninterest expense to average assets | 2.8931% | 2,448 |
| Loan and lease loss provision to assets | 0.1014% | 1,990 |
| Net operating income to assets | 1.8792% | 388 |
| Return on assets (ROA) | 1.8868% | 392 |
| Pretax return on assets | 1.8868% | 683 |
| Return on Equity (ROE) | 18.7131% | 282 |
| Retained earnings to average equity (ytd only) | 8.1121% | 1,118 |
| Net charge-offs to loans | 0.0388% | 2,421 |
| Credit loss provision to net charge-offs | 413.7931% | 765 |
| Earnings coverage of net charge-offs (x) | 80.8276% | 760 |
| Efficiency ratio | 59.3620% | 4,414 |
| Assets per employee ($millions) | 3.0629% | 5,215 |
| Cash dividends to net income (ytd only)* | 56.6502% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 5,162 |
| Loan loss allowance to noncurrent loans | 106.6212% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 2,993 |
| Noncurrent loans to loans | 0.6748% | 2,729 |
| Net loans and leases to total assets | 63.2512% | 3,488 |
| Net loans and leases to deposits | 71.0636% | 3,824 |
| Net loans and leases to core deposits | 75.6040% | 3,809 |
| Total domestic deposits to total assets | 89.0064% | 951 |
| Equity capital to assets | 10.3159% | 3,553 |
| Core capital (leverage) ratio | 10.2335% | 3,228 |
| Tier 1 risk-based capital ratio | 17.2202% | 2,087 |
| Total risk-based capital ratio | 17.9932% | 2,182 |
| Memoranda: | ||
| Average total assets | $236,698,330 | 2,626 |
| Average earning assets | $223,942,330 | 2,588 |
| Average equity | $23,865,670 | 2,796 |
| Average total loans | $149,613,000 | 2,682 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 1,479 |
| Cost of funding earning assets | 0.3018% | 4,023 |
| Net interest margin | 4.1549% | 1,085 |
| Noninterest income to average assets | 0.8200% | 1,486 |
| Noninterest expense to average assets | 2.7844% | 2,841 |
| Loan and lease loss provision to assets | 0.1019% | 1,861 |
| Net operating income to assets | 1.8608% | 395 |
| Return on assets (ROA) | 1.8761% | 401 |
| Pretax return on assets | 1.8761% | 679 |
| Return on Equity (ROE) | 18.8277% | 292 |
| Retained earnings to average equity (ytd only) | 18.8277% | 126 |
| Net charge-offs to loans | 0.0054% | 2,783 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 578.0000% | 95 |
| Efficiency ratio | 58.6552% | 4,636 |
| Assets per employee ($millions) | 3.0749% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 5,276 |
| Loan loss allowance to noncurrent loans | 105.5666% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 3,149 |
| Noncurrent loans to loans | 0.6756% | 2,826 |
| Net loans and leases to total assets | 61.6379% | 3,586 |
| Net loans and leases to deposits | 68.6415% | 3,928 |
| Net loans and leases to core deposits | 72.9446% | 3,919 |
| Total domestic deposits to total assets | 89.7968% | 751 |
| Equity capital to assets | 10.0952% | 3,634 |
| Core capital (leverage) ratio | 10.5167% | 2,888 |
| Tier 1 risk-based capital ratio | 17.7791% | 1,948 |
| Total risk-based capital ratio | 18.5488% | 2,042 |
| Memoranda: | ||
| Average total assets | $235,596,000 | 2,653 |
| Average earning assets | $222,677,500 | 2,622 |
| Average equity | $23,476,000 | 2,844 |
| Average total loans | $148,317,500 | 2,718 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,329 |
| Cost of funding earning assets | 0.3048% | 4,014 |
| Net interest margin | 4.2736% | 974 |
| Noninterest income to average assets | 0.9454% | 1,277 |
| Noninterest expense to average assets | 2.9377% | 2,537 |
| Loan and lease loss provision to assets | 0.1825% | 1,304 |
| Net operating income to assets | 1.8705% | 394 |
| Return on assets (ROA) | 1.8934% | 395 |
| Pretax return on assets | 1.8934% | 633 |
| Return on Equity (ROE) | 18.6123% | 283 |
| Retained earnings to average equity (ytd only) | 4.1212% | 2,973 |
| Net charge-offs to loans | 0.1527% | 1,737 |
| Credit loss provision to net charge-offs | 194.5701% | 1,453 |
| Earnings coverage of net charge-offs (x) | 21.8914% | 1,759 |
| Efficiency ratio | 58.8640% | 4,739 |
| Assets per employee ($millions) | 3.0440% | 5,313 |
| Cash dividends to net income (ytd only)* | 77.8575% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6796% | 5,399 |
| Loan loss allowance to noncurrent loans | 241.3462% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 3,612 |
| Noncurrent loans to loans | 0.2816% | 4,148 |
| Net loans and leases to total assets | 63.4258% | 3,424 |
| Net loans and leases to deposits | 71.0568% | 3,807 |
| Net loans and leases to core deposits | 74.9598% | 3,837 |
| Total domestic deposits to total assets | 89.2607% | 972 |
| Equity capital to assets | 9.8290% | 3,910 |
| Core capital (leverage) ratio | 10.1964% | 3,229 |
| Tier 1 risk-based capital ratio | 17.2677% | 2,068 |
| Total risk-based capital ratio | 18.0077% | 2,193 |
| Memoranda: | ||
| Average total assets | $235,659,200 | 2,613 |
| Average earning assets | $223,068,600 | 2,568 |
| Average equity | $23,973,400 | 2,801 |
| Average total loans | $144,751,200 | 2,715 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 1,461 |
| Cost of funding earning assets | 0.3022% | 4,069 |
| Net interest margin | 4.2236% | 1,071 |
| Noninterest income to average assets | 0.9664% | 1,223 |
| Noninterest expense to average assets | 2.8655% | 2,762 |
| Loan and lease loss provision to assets | 0.1070% | 2,142 |
| Net operating income to assets | 2.0005% | 345 |
| Return on assets (ROA) | 2.0309% | 336 |
| Pretax return on assets | 2.0309% | 533 |
| Return on Equity (ROE) | 19.8002% | 252 |
| Retained earnings to average equity (ytd only) | 12.8707% | 227 |
| Net charge-offs to loans | 0.0130% | 3,500 |
| Credit loss provision to net charge-offs | 1,357.1429% | 317 |
| Earnings coverage of net charge-offs (x) | 267.2314% | 303 |
| Efficiency ratio | 57.6217% | 4,869 |
| Assets per employee ($millions) | 2.9781% | 5,406 |
| Cash dividends to net income (ytd only)* | 34.9971% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 5,536 |
| Loan loss allowance to noncurrent loans | 141.7518% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 3,408 |
| Noncurrent loans to loans | 0.4564% | 3,646 |
| Net loans and leases to total assets | 65.0255% | 3,268 |
| Net loans and leases to deposits | 74.9624% | 3,504 |
| Net loans and leases to core deposits | 79.4275% | 3,509 |
| Total domestic deposits to total assets | 86.7441% | 2,007 |
| Equity capital to assets | 11.1897% | 2,808 |
| Core capital (leverage) ratio | 10.6611% | 2,821 |
| Tier 1 risk-based capital ratio | 17.9885% | 1,927 |
| Total risk-based capital ratio | 18.6933% | 2,057 |
| Memoranda: | ||
| Average total assets | $236,737,500 | 2,615 |
| Average earning assets | $224,574,000 | 2,564 |
| Average equity | $24,282,000 | 2,795 |
| Average total loans | $144,004,750 | 2,721 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 1,550 |
| Cost of funding earning assets | 0.2987% | 4,147 |
| Net interest margin | 4.1902% | 1,137 |
| Noninterest income to average assets | 0.8478% | 1,557 |
| Noninterest expense to average assets | 2.8652% | 2,789 |
| Loan and lease loss provision to assets | 0.0752% | 2,632 |
| Net operating income to assets | 1.8828% | 411 |
| Return on assets (ROA) | 1.8987% | 414 |
| Pretax return on assets | 1.8987% | 701 |
| Return on Equity (ROE) | 19.0656% | 291 |
| Retained earnings to average equity (ytd only) | 8.4708% | 1,017 |
| Net charge-offs to loans | 0.0099% | 3,363 |
| Credit loss provision to net charge-offs | 1,285.7143% | 307 |
| Earnings coverage of net charge-offs (x) | 334.5714% | 205 |
| Efficiency ratio | 59.4037% | 4,727 |
| Assets per employee ($millions) | 3.0157% | 5,414 |
| Cash dividends to net income (ytd only)* | 55.5702% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5916% | 5,695 |
| Loan loss allowance to noncurrent loans | 202.7714% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 3,944 |
| Noncurrent loans to loans | 0.2918% | 4,326 |
| Net loans and leases to total assets | 61.9218% | 3,636 |
| Net loans and leases to deposits | 71.3099% | 3,858 |
| Net loans and leases to core deposits | 75.5811% | 3,856 |
| Total domestic deposits to total assets | 86.8348% | 1,995 |
| Equity capital to assets | 10.2753% | 3,892 |
| Core capital (leverage) ratio | 9.8789% | 3,713 |
| Tier 1 risk-based capital ratio | 16.9825% | 2,229 |
| Total risk-based capital ratio | 17.6184% | 2,423 |
| Memoranda: | ||
| Average total assets | $239,213,330 | 2,605 |
| Average earning assets | $226,960,670 | 2,564 |
| Average equity | $23,823,000 | 2,850 |
| Average total loans | $141,979,330 | 2,752 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 1,421 |
| Cost of funding earning assets | 0.3010% | 4,155 |
| Net interest margin | 4.2303% | 1,038 |
| Noninterest income to average assets | 0.8177% | 1,568 |
| Noninterest expense to average assets | 2.7217% | 3,345 |
| Loan and lease loss provision to assets | 0.0501% | 2,922 |
| Net operating income to assets | 2.0559% | 302 |
| Return on assets (ROA) | 2.0559% | 314 |
| Pretax return on assets | 2.0559% | 506 |
| Return on Equity (ROE) | 20.9751% | 192 |
| Retained earnings to average equity (ytd only) | 20.9751% | 75 |
| Net charge-offs to loans | 0.0144% | 2,653 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 252.4000% | 241 |
| Efficiency ratio | 56.3775% | 5,162 |
| Assets per employee ($millions) | 3.0365% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 5,802 |
| Loan loss allowance to noncurrent loans | 154.7170% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 3,897 |
| Noncurrent loans to loans | 0.3650% | 4,125 |
| Net loans and leases to total assets | 60.1847% | 3,747 |
| Net loans and leases to deposits | 67.5376% | 4,103 |
| Net loans and leases to core deposits | 71.4903% | 4,102 |
| Total domestic deposits to total assets | 89.1129% | 1,048 |
| Equity capital to assets | 10.1163% | 3,926 |
| Core capital (leverage) ratio | 9.9450% | 3,603 |
| Tier 1 risk-based capital ratio | 17.3726% | 2,161 |
| Total risk-based capital ratio | 17.9744% | 2,335 |
| Memoranda: | ||
| Average total assets | $239,699,500 | 2,620 |
| Average earning assets | $227,217,000 | 2,572 |
| Average equity | $23,494,500 | 2,878 |
| Average total loans | $138,768,500 | 2,811 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2145% | 2,514 |
| Cost of funding earning assets | 0.3052% | 4,193 |
| Net interest margin | 3.9093% | 1,994 |
| Noninterest income to average assets | 0.8856% | 1,480 |
| Noninterest expense to average assets | 2.8309% | 3,101 |
| Loan and lease loss provision to assets | 0.0302% | 3,767 |
| Net operating income to assets | 1.7317% | 544 |
| Return on assets (ROA) | 1.7517% | 546 |
| Pretax return on assets | 1.7517% | 887 |
| Return on Equity (ROE) | 18.5022% | 351 |
| Retained earnings to average equity (ytd only) | 7.8891% | 952 |
| Net charge-offs to loans | 0.0408% | 3,403 |
| Credit loss provision to net charge-offs | 139.2157% | 1,883 |
| Earnings coverage of net charge-offs (x) | 81.1765% | 690 |
| Efficiency ratio | 61.6383% | 4,669 |
| Assets per employee ($millions) | 2.9940% | 5,524 |
| Cash dividends to net income (ytd only)* | 57.3615% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6007% | 5,796 |
| Loan loss allowance to noncurrent loans | 235.9050% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 4,207 |
| Noncurrent loans to loans | 0.2546% | 4,520 |
| Net loans and leases to total assets | 54.9230% | 4,400 |
| Net loans and leases to deposits | 61.1225% | 4,695 |
| Net loans and leases to core deposits | 64.7747% | 4,687 |
| Total domestic deposits to total assets | 89.8572% | 691 |
| Equity capital to assets | 9.4865% | 4,567 |
| Core capital (leverage) ratio | 9.6022% | 4,044 |
| Tier 1 risk-based capital ratio | 17.4391% | 2,142 |
| Total risk-based capital ratio | 18.0570% | 2,309 |
| Memoranda: | ||
| Average total assets | $234,976,400 | 2,622 |
| Average earning assets | $222,827,800 | 2,562 |
| Average equity | $22,246,000 | 2,947 |
| Average total loans | $125,022,800 | 2,973 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 2,669 |
| Cost of funding earning assets | 0.3044% | 4,286 |
| Net interest margin | 3.8690% | 2,130 |
| Noninterest income to average assets | 0.8781% | 1,518 |
| Noninterest expense to average assets | 2.7921% | 3,223 |
| Loan and lease loss provision to assets | 0.0348% | 3,526 |
| Net operating income to assets | 1.7259% | 593 |
| Return on assets (ROA) | 1.7533% | 589 |
| Pretax return on assets | 1.7533% | 987 |
| Return on Equity (ROE) | 18.5289% | 369 |
| Retained earnings to average equity (ytd only) | 11.2078% | 446 |
| Net charge-offs to loans | 0.0444% | 3,007 |
| Credit loss provision to net charge-offs | 148.7805% | 1,695 |
| Earnings coverage of net charge-offs (x) | 75.3106% | 775 |
| Efficiency ratio | 61.3275% | 4,671 |
| Assets per employee ($millions) | 2.9524% | 5,596 |
| Cash dividends to net income (ytd only)* | 39.5122% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6086% | 5,877 |
| Loan loss allowance to noncurrent loans | 331.2500% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 4,515 |
| Noncurrent loans to loans | 0.1837% | 4,909 |
| Net loans and leases to total assets | 55.6637% | 4,395 |
| Net loans and leases to deposits | 63.2701% | 4,622 |
| Net loans and leases to core deposits | 67.6810% | 4,569 |
| Total domestic deposits to total assets | 87.9779% | 1,572 |
| Equity capital to assets | 9.8809% | 4,301 |
| Core capital (leverage) ratio | 9.6082% | 4,154 |
| Tier 1 risk-based capital ratio | 17.8414% | 2,080 |
| Total risk-based capital ratio | 18.4706% | 2,238 |
| Memoranda: | ||
| Average total assets | $233,840,750 | 2,648 |
| Average earning assets | $222,101,500 | 2,591 |
| Average equity | $22,127,000 | 2,973 |
| Average total loans | $123,192,000 | 3,029 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 2,804 |
| Cost of funding earning assets | 0.3015% | 4,382 |
| Net interest margin | 3.8237% | 2,225 |
| Noninterest income to average assets | 0.8614% | 1,567 |
| Noninterest expense to average assets | 2.8277% | 3,141 |
| Loan and lease loss provision to assets | 0.0410% | 3,291 |
| Net operating income to assets | 1.6228% | 714 |
| Return on assets (ROA) | 1.6271% | 742 |
| Pretax return on assets | 1.6271% | 1,261 |
| Return on Equity (ROE) | 17.4513% | 453 |
| Retained earnings to average equity (ytd only) | 6.3151% | 2,056 |
| Net charge-offs to loans | 0.0464% | 2,770 |
| Credit loss provision to net charge-offs | 171.4286% | 1,395 |
| Earnings coverage of net charge-offs (x) | 69.5357% | 776 |
| Efficiency ratio | 62.9566% | 4,528 |
| Assets per employee ($millions) | 2.9202% | 5,694 |
| Cash dividends to net income (ytd only)* | 63.8130% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6417% | 5,908 |
| Loan loss allowance to noncurrent loans | 284.9462% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 4,563 |
| Noncurrent loans to loans | 0.2252% | 4,879 |
| Net loans and leases to total assets | 52.6903% | 4,686 |
| Net loans and leases to deposits | 58.5970% | 4,950 |
| Net loans and leases to core deposits | 62.7091% | 4,891 |
| Total domestic deposits to total assets | 89.9198% | 695 |
| Equity capital to assets | 9.1740% | 5,051 |
| Core capital (leverage) ratio | 9.1386% | 4,762 |
| Tier 1 risk-based capital ratio | 17.6535% | 2,170 |
| Total risk-based capital ratio | 18.3102% | 2,324 |
| Memoranda: | ||
| Average total assets | $234,041,670 | 2,667 |
| Average earning assets | $222,195,330 | 2,606 |
| Average equity | $21,820,670 | 3,017 |
| Average total loans | $120,714,670 | 3,075 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 2,904 |
| Cost of funding earning assets | 0.2993% | 4,448 |
| Net interest margin | 3.7841% | 2,282 |
| Noninterest income to average assets | 0.8043% | 1,698 |
| Noninterest expense to average assets | 2.6604% | 3,720 |
| Loan and lease loss provision to assets | 0.0563% | 2,808 |
| Net operating income to assets | 1.6717% | 630 |
| Return on assets (ROA) | 1.6717% | 661 |
| Pretax return on assets | 1.6717% | 1,110 |
| Return on Equity (ROE) | 17.7879% | 405 |
| Retained earnings to average equity (ytd only) | 17.7879% | 151 |
| Net charge-offs to loans | 0.0504% | 2,283 |
| Credit loss provision to net charge-offs | 220.0000% | 989 |
| Earnings coverage of net charge-offs (x) | 67.4667% | 667 |
| Efficiency ratio | 60.6226% | 5,015 |
| Assets per employee ($millions) | 2.9951% | 5,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 5,973 |
| Loan loss allowance to noncurrent loans | 298.1203% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 4,726 |
| Noncurrent loans to loans | 0.2212% | 4,982 |
| Net loans and leases to total assets | 50.4845% | 4,796 |
| Net loans and leases to deposits | 55.9001% | 5,058 |
| Net loans and leases to core deposits | 59.6825% | 5,015 |
| Total domestic deposits to total assets | 90.3121% | 602 |
| Equity capital to assets | 9.5890% | 4,646 |
| Core capital (leverage) ratio | 9.3076% | 4,559 |
| Tier 1 risk-based capital ratio | 19.9035% | 1,652 |
| Total risk-based capital ratio | 20.6321% | 1,719 |
| Memoranda: | ||
| Average total assets | $234,254,500 | 2,684 |
| Average earning assets | $221,874,000 | 2,624 |
| Average equity | $22,015,000 | 3,019 |
| Average total loans | $119,128,000 | 3,107 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 2,970 |
| Cost of funding earning assets | 0.3360% | 4,416 |
| Net interest margin | 3.8599% | 2,395 |
| Noninterest income to average assets | 0.9220% | 1,434 |
| Noninterest expense to average assets | 2.8494% | 3,306 |
| Loan and lease loss provision to assets | 0.0246% | 4,115 |
| Net operating income to assets | 1.6861% | 591 |
| Return on assets (ROA) | 1.7204% | 574 |
| Pretax return on assets | 1.7204% | 944 |
| Return on Equity (ROE) | 19.0485% | 312 |
| Retained earnings to average equity (ytd only) | 5.7602% | 2,090 |
| Net charge-offs to loans | 0.0647% | 3,563 |
| Credit loss provision to net charge-offs | 78.8732% | 2,889 |
| Earnings coverage of net charge-offs (x) | 54.9296% | 853 |
| Efficiency ratio | 62.4856% | 4,831 |
| Assets per employee ($millions) | 2.9354% | 5,779 |
| Cash dividends to net income (ytd only)* | 69.7603% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6567% | 6,065 |
| Loan loss allowance to noncurrent loans | 284.9265% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 4,661 |
| Noncurrent loans to loans | 0.2305% | 5,001 |
| Net loans and leases to total assets | 50.5550% | 4,913 |
| Net loans and leases to deposits | 56.1974% | 5,170 |
| Net loans and leases to core deposits | 60.3149% | 5,117 |
| Total domestic deposits to total assets | 89.9596% | 747 |
| Equity capital to assets | 9.2029% | 5,072 |
| Core capital (leverage) ratio | 9.1535% | 4,746 |
| Tier 1 risk-based capital ratio | 18.5495% | 1,976 |
| Total risk-based capital ratio | 19.2446% | 2,103 |
| Memoranda: | ||
| Average total assets | $227,975,200 | 2,715 |
| Average earning assets | $214,875,400 | 2,662 |
| Average equity | $20,589,600 | 3,095 |
| Average total loans | $109,811,200 | 3,219 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 3,043 |
| Cost of funding earning assets | 0.3414% | 4,442 |
| Net interest margin | 3.8443% | 2,457 |
| Noninterest income to average assets | 0.9157% | 1,467 |
| Noninterest expense to average assets | 2.8035% | 3,445 |
| Loan and lease loss provision to assets | 0.0270% | 3,867 |
| Net operating income to assets | 1.7092% | 603 |
| Return on assets (ROA) | 1.7451% | 584 |
| Pretax return on assets | 1.7451% | 990 |
| Return on Equity (ROE) | 19.4161% | 317 |
| Retained earnings to average equity (ytd only) | 13.4626% | 282 |
| Net charge-offs to loans | 0.0940% | 2,868 |
| Credit loss provision to net charge-offs | 60.5263% | 2,926 |
| Earnings coverage of net charge-offs (x) | 38.8950% | 1,155 |
| Efficiency ratio | 61.7544% | 4,925 |
| Assets per employee ($millions) | 2.7722% | 5,994 |
| Cash dividends to net income (ytd only)* | 30.6632% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6911% | 6,117 |
| Loan loss allowance to noncurrent loans | 75.6972% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6560% | 3,868 |
| Noncurrent loans to loans | 0.9129% | 3,278 |
| Net loans and leases to total assets | 48.6377% | 5,139 |
| Net loans and leases to deposits | 54.2531% | 5,366 |
| Net loans and leases to core deposits | 58.7157% | 5,292 |
| Total domestic deposits to total assets | 89.6496% | 910 |
| Equity capital to assets | 9.7354% | 4,506 |
| Core capital (leverage) ratio | 9.5446% | 4,313 |
| Tier 1 risk-based capital ratio | 21.3633% | 1,381 |
| Total risk-based capital ratio | 22.1165% | 1,454 |
| Memoranda: | ||
| Average total assets | $226,995,500 | 2,742 |
| Average earning assets | $213,992,250 | 2,686 |
| Average equity | $20,401,750 | 3,126 |
| Average total loans | $107,761,750 | 3,291 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 2,961 |
| Cost of funding earning assets | 0.3444% | 4,488 |
| Net interest margin | 3.8524% | 2,369 |
| Noninterest income to average assets | 0.9130% | 1,454 |
| Noninterest expense to average assets | 2.8146% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7216% | 558 |
| Return on assets (ROA) | 1.7479% | 564 |
| Pretax return on assets | 1.7479% | 934 |
| Return on Equity (ROE) | 19.9946% | 291 |
| Retained earnings to average equity (ytd only) | 10.8459% | 560 |
| Net charge-offs to loans | 0.0579% | 3,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 63.2581% | 778 |
| Efficiency ratio | 62.0476% | 4,999 |
| Assets per employee ($millions) | 2.8525% | 5,959 |
| Cash dividends to net income (ytd only)* | 45.7559% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7010% | 6,173 |
| Loan loss allowance to noncurrent loans | 70.7363% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 3,995 |
| Noncurrent loans to loans | 0.9911% | 3,253 |
| Net loans and leases to total assets | 47.1117% | 5,253 |
| Net loans and leases to deposits | 52.1660% | 5,489 |
| Net loans and leases to core deposits | 56.3973% | 5,384 |
| Total domestic deposits to total assets | 90.3111% | 656 |
| Equity capital to assets | 9.1420% | 5,165 |
| Core capital (leverage) ratio | 8.9840% | 5,043 |
| Tier 1 risk-based capital ratio | 20.4115% | 1,588 |
| Total risk-based capital ratio | 21.1644% | 1,674 |
| Memoranda: | ||
| Average total assets | $227,810,000 | 2,751 |
| Average earning assets | $214,255,330 | 2,693 |
| Average equity | $19,915,330 | 3,178 |
| Average total loans | $107,023,330 | 3,308 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 2,912 |
| Cost of funding earning assets | 0.3444% | 4,593 |
| Net interest margin | 3.8469% | 2,284 |
| Noninterest income to average assets | 0.8629% | 1,512 |
| Noninterest expense to average assets | 2.6852% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7890% | 494 |
| Return on assets (ROA) | 1.7890% | 511 |
| Pretax return on assets | 1.7890% | 813 |
| Return on Equity (ROE) | 20.9443% | 249 |
| Retained earnings to average equity (ytd only) | 20.9443% | 103 |
| Net charge-offs to loans | 0.1090% | 2,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 35.1034% | 950 |
| Efficiency ratio | 60.0157% | 5,407 |
| Assets per employee ($millions) | 2.8553% | 6,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 6,260 |
| Loan loss allowance to noncurrent loans | 66.6375% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 3,849 |
| Noncurrent loans to loans | 1.0762% | 3,268 |
| Net loans and leases to total assets | 46.1240% | 5,323 |
| Net loans and leases to deposits | 50.6646% | 5,545 |
| Net loans and leases to core deposits | 54.6452% | 5,457 |
| Total domestic deposits to total assets | 91.0380% | 557 |
| Equity capital to assets | 8.8547% | 5,269 |
| Core capital (leverage) ratio | 9.0385% | 4,954 |
| Tier 1 risk-based capital ratio | 21.0231% | 1,469 |
| Total risk-based capital ratio | 21.8030% | 1,541 |
| Memoranda: | ||
| Average total assets | $227,615,000 | 2,761 |
| Average earning assets | $213,679,000 | 2,715 |
| Average equity | $19,442,000 | 3,232 |
| Average total loans | $106,401,000 | 3,332 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0808% | 3,815 |
| Cost of funding earning assets | 0.3549% | 5,090 |
| Net interest margin | 3.7260% | 2,954 |
| Noninterest income to average assets | 0.8933% | 1,702 |
| Noninterest expense to average assets | 2.7038% | 4,083 |
| Loan and lease loss provision to assets | 0.0852% | 3,407 |
| Net operating income to assets | 1.6052% | 683 |
| Return on assets (ROA) | 1.6353% | 659 |
| Pretax return on assets | 1.6353% | 1,089 |
| Return on Equity (ROE) | 18.9616% | 338 |
| Retained earnings to average equity (ytd only) | 5.0976% | 2,526 |
| Net charge-offs to loans | 0.0764% | 4,142 |
| Credit loss provision to net charge-offs | 240.7407% | 951 |
| Earnings coverage of net charge-offs (x) | 47.7531% | 824 |
| Efficiency ratio | 61.5316% | 5,286 |
| Assets per employee ($millions) | 2.8351% | 6,062 |
| Cash dividends to net income (ytd only)* | 73.1160% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 6,291 |
| Loan loss allowance to noncurrent loans | 150.4762% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 4,853 |
| Noncurrent loans to loans | 0.4921% | 4,765 |
| Net loans and leases to total assets | 46.6886% | 5,425 |
| Net loans and leases to deposits | 51.3209% | 5,671 |
| Net loans and leases to core deposits | 55.4991% | 5,578 |
| Total domestic deposits to total assets | 90.9739% | 582 |
| Equity capital to assets | 8.2263% | 5,847 |
| Core capital (leverage) ratio | 8.6629% | 5,461 |
| Tier 1 risk-based capital ratio | 19.7530% | 1,715 |
| Total risk-based capital ratio | 20.5534% | 1,800 |
| Memoranda: | ||
| Average total assets | $228,823,400 | 2,729 |
| Average earning assets | $215,004,600 | 2,672 |
| Average equity | $19,734,600 | 3,184 |
| Average total loans | $106,054,800 | 3,322 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0312% | 4,012 |
| Cost of funding earning assets | 0.3529% | 5,269 |
| Net interest margin | 3.6783% | 3,116 |
| Noninterest income to average assets | 0.8564% | 1,908 |
| Noninterest expense to average assets | 2.5570% | 4,524 |
| Loan and lease loss provision to assets | 0.1046% | 3,010 |
| Net operating income to assets | 1.6552% | 672 |
| Return on assets (ROA) | 1.6954% | 656 |
| Pretax return on assets | 1.6954% | 1,107 |
| Return on Equity (ROE) | 19.4359% | 341 |
| Retained earnings to average equity (ytd only) | 13.3638% | 303 |
| Net charge-offs to loans | 0.0907% | 3,664 |
| Credit loss provision to net charge-offs | 250.0000% | 978 |
| Earnings coverage of net charge-offs (x) | 42.0406% | 969 |
| Efficiency ratio | 59.2323% | 5,532 |
| Assets per employee ($millions) | 2.8026% | 6,148 |
| Cash dividends to net income (ytd only)* | 31.2415% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 6,400 |
| Loan loss allowance to noncurrent loans | 92.0188% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 5,270 |
| Noncurrent loans to loans | 0.7967% | 4,251 |
| Net loans and leases to total assets | 47.3491% | 5,414 |
| Net loans and leases to deposits | 53.4267% | 5,591 |
| Net loans and leases to core deposits | 57.8994% | 5,460 |
| Total domestic deposits to total assets | 88.6246% | 1,767 |
| Equity capital to assets | 8.8064% | 5,416 |
| Core capital (leverage) ratio | 9.0249% | 5,093 |
| Tier 1 risk-based capital ratio | 21.4322% | 1,410 |
| Total risk-based capital ratio | 22.2520% | 1,468 |
| Memoranda: | ||
| Average total assets | $229,327,000 | 2,742 |
| Average earning assets | $215,744,000 | 2,679 |
| Average equity | $20,003,750 | 3,184 |
| Average total loans | $105,897,500 | 3,350 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 4,123 |
| Cost of funding earning assets | 0.3496% | 5,411 |
| Net interest margin | 3.6473% | 3,187 |
| Noninterest income to average assets | 0.8397% | 2,030 |
| Noninterest expense to average assets | 2.4975% | 4,741 |
| Loan and lease loss provision to assets | 0.1039% | 3,063 |
| Net operating income to assets | 1.6699% | 660 |
| Return on assets (ROA) | 1.7244% | 648 |
| Pretax return on assets | 1.7244% | 1,058 |
| Return on Equity (ROE) | 19.8308% | 313 |
| Retained earnings to average equity (ytd only) | 10.7616% | 688 |
| Net charge-offs to loans | 0.1099% | 3,261 |
| Credit loss provision to net charge-offs | 206.8966% | 1,161 |
| Earnings coverage of net charge-offs (x) | 35.3276% | 1,024 |
| Efficiency ratio | 58.4718% | 5,671 |
| Assets per employee ($millions) | 2.7595% | 6,208 |
| Cash dividends to net income (ytd only)* | 45.7329% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 6,505 |
| Loan loss allowance to noncurrent loans | 91.5633% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 5,327 |
| Noncurrent loans to loans | 0.7560% | 4,413 |
| Net loans and leases to total assets | 46.2294% | 5,506 |
| Net loans and leases to deposits | 51.0410% | 5,768 |
| Net loans and leases to core deposits | 55.1159% | 5,666 |
| Total domestic deposits to total assets | 90.5731% | 720 |
| Equity capital to assets | 8.4733% | 5,793 |
| Core capital (leverage) ratio | 8.5384% | 5,623 |
| Tier 1 risk-based capital ratio | 20.9932% | 1,497 |
| Total risk-based capital ratio | 21.7848% | 1,575 |
| Memoranda: | ||
| Average total assets | $231,032,330 | 2,729 |
| Average earning assets | $217,369,000 | 2,675 |
| Average equity | $20,090,000 | 3,197 |
| Average total loans | $105,548,000 | 3,371 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0533% | 3,908 |
| Cost of funding earning assets | 0.3496% | 5,535 |
| Net interest margin | 3.7037% | 2,836 |
| Noninterest income to average assets | 0.8154% | 2,072 |
| Noninterest expense to average assets | 2.4721% | 4,856 |
| Loan and lease loss provision to assets | 0.1034% | 2,956 |
| Net operating income to assets | 1.7101% | 569 |
| Return on assets (ROA) | 1.7601% | 562 |
| Pretax return on assets | 1.7601% | 953 |
| Return on Equity (ROE) | 19.9887% | 294 |
| Retained earnings to average equity (ytd only) | 19.9887% | 142 |
| Net charge-offs to loans | 0.0876% | 2,967 |
| Credit loss provision to net charge-offs | 260.8696% | 890 |
| Earnings coverage of net charge-offs (x) | 45.7391% | 718 |
| Efficiency ratio | 57.6830% | 5,890 |
| Assets per employee ($millions) | 2.8253% | 6,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 6,626 |
| Loan loss allowance to noncurrent loans | 86.1111% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 5,419 |
| Noncurrent loans to loans | 0.7849% | 4,550 |
| Net loans and leases to total assets | 45.2262% | 5,520 |
| Net loans and leases to deposits | 49.7713% | 5,804 |
| Net loans and leases to core deposits | 53.8400% | 5,677 |
| Total domestic deposits to total assets | 90.8682% | 581 |
| Equity capital to assets | 9.0580% | 5,419 |
| Core capital (leverage) ratio | 8.5485% | 5,512 |
| Tier 1 risk-based capital ratio | 20.7618% | 1,594 |
| Total risk-based capital ratio | 21.5205% | 1,680 |
| Memoranda: | ||
| Average total assets | $232,030,500 | 2,755 |
| Average earning assets | $217,404,500 | 2,697 |
| Average equity | $20,431,500 | 3,205 |
| Average total loans | $105,012,000 | 3,398 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 4,635 |
| Cost of funding earning assets | 0.3883% | 5,991 |
| Net interest margin | 3.8012% | 3,219 |
| Noninterest income to average assets | 0.7186% | 2,624 |
| Noninterest expense to average assets | 2.6501% | 4,570 |
| Loan and lease loss provision to assets | 0.1652% | 3,542 |
| Net operating income to assets | 1.4696% | 974 |
| Return on assets (ROA) | 1.5281% | 959 |
| Pretax return on assets | 1.5281% | 1,602 |
| Return on Equity (ROE) | 17.0717% | 525 |
| Retained earnings to average equity (ytd only) | 3.0392% | 4,096 |
| Net charge-offs to loans | 0.3550% | 2,855 |
| Credit loss provision to net charge-offs | 101.6216% | 2,981 |
| Earnings coverage of net charge-offs (x) | 10.0541% | 2,187 |
| Efficiency ratio | 61.8462% | 5,259 |
| Assets per employee ($millions) | 2.8690% | 6,211 |
| Cash dividends to net income (ytd only)* | 82.1973% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6467% | 6,705 |
| Loan loss allowance to noncurrent loans | 129.2543% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 5,801 |
| Noncurrent loans to loans | 0.5003% | 5,285 |
| Net loans and leases to total assets | 44.6916% | 5,758 |
| Net loans and leases to deposits | 49.2793% | 6,011 |
| Net loans and leases to core deposits | 53.8359% | 5,884 |
| Total domestic deposits to total assets | 90.6906% | 617 |
| Equity capital to assets | 8.5538% | 6,006 |
| Core capital (leverage) ratio | 8.3826% | 5,779 |
| Tier 1 risk-based capital ratio | 19.5047% | 1,811 |
| Total risk-based capital ratio | 20.2177% | 1,938 |
| Memoranda: | ||
| Average total assets | $227,538,600 | 2,755 |
| Average earning assets | $213,486,600 | 2,693 |
| Average equity | $20,367,000 | 3,157 |
| Average total loans | $104,230,000 | 3,420 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 4,502 |
| Cost of funding earning assets | 0.3947% | 6,149 |
| Net interest margin | 3.8912% | 2,944 |
| Noninterest income to average assets | 0.7717% | 2,368 |
| Noninterest expense to average assets | 2.6027% | 4,730 |
| Loan and lease loss provision to assets | 0.1897% | 3,215 |
| Net operating income to assets | 1.6383% | 780 |
| Return on assets (ROA) | 1.7167% | 729 |
| Pretax return on assets | 1.7167% | 1,227 |
| Return on Equity (ROE) | 18.9623% | 395 |
| Retained earnings to average equity (ytd only) | 13.0342% | 392 |
| Net charge-offs to loans | 0.4506% | 2,304 |
| Credit loss provision to net charge-offs | 91.4773% | 3,252 |
| Earnings coverage of net charge-offs (x) | 8.8154% | 2,394 |
| Efficiency ratio | 58.7422% | 5,692 |
| Assets per employee ($millions) | 2.7664% | 6,399 |
| Cash dividends to net income (ytd only)* | 31.2629% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 6,833 |
| Loan loss allowance to noncurrent loans | 139.7380% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 6,002 |
| Noncurrent loans to loans | 0.4482% | 5,551 |
| Net loans and leases to total assets | 45.8866% | 5,774 |
| Net loans and leases to deposits | 50.9733% | 6,040 |
| Net loans and leases to core deposits | 55.9444% | 5,893 |
| Total domestic deposits to total assets | 90.0208% | 838 |
| Equity capital to assets | 9.8251% | 4,744 |
| Core capital (leverage) ratio | 8.9144% | 5,172 |
| Tier 1 risk-based capital ratio | 21.8895% | 1,350 |
| Total risk-based capital ratio | 22.5944% | 1,416 |
| Memoranda: | ||
| Average total assets | $226,326,250 | 2,790 |
| Average earning assets | $212,816,250 | 2,722 |
| Average equity | $20,489,250 | 3,173 |
| Average total loans | $104,154,000 | 3,455 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2980% | 4,584 |
| Cost of funding earning assets | 0.4036% | 6,244 |
| Net interest margin | 3.8945% | 2,928 |
| Noninterest income to average assets | 0.7088% | 2,622 |
| Noninterest expense to average assets | 2.5834% | 4,839 |
| Loan and lease loss provision to assets | 0.2158% | 2,913 |
| Net operating income to assets | 1.5667% | 886 |
| Return on assets (ROA) | 1.5965% | 940 |
| Pretax return on assets | 1.5965% | 1,558 |
| Return on Equity (ROE) | 18.1356% | 491 |
| Retained earnings to average equity (ytd only) | 9.0578% | 1,257 |
| Net charge-offs to loans | 0.5896% | 1,840 |
| Credit loss provision to net charge-offs | 79.6117% | 3,329 |
| Earnings coverage of net charge-offs (x) | 6.5761% | 2,615 |
| Efficiency ratio | 59.1722% | 5,713 |
| Assets per employee ($millions) | 2.7846% | 6,431 |
| Cash dividends to net income (ytd only)* | 50.0549% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 6,948 |
| Loan loss allowance to noncurrent loans | 110.1633% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 6,094 |
| Noncurrent loans to loans | 0.5292% | 5,465 |
| Net loans and leases to total assets | 45.3291% | 5,890 |
| Net loans and leases to deposits | 50.0910% | 6,176 |
| Net loans and leases to core deposits | 54.8063% | 6,037 |
| Total domestic deposits to total assets | 90.4936% | 669 |
| Equity capital to assets | 8.9682% | 5,731 |
| Core capital (leverage) ratio | 8.2372% | 6,003 |
| Tier 1 risk-based capital ratio | 19.6872% | 1,788 |
| Total risk-based capital ratio | 20.3235% | 1,929 |
| Memoranda: | ||
| Average total assets | $227,998,000 | 2,776 |
| Average earning assets | $214,098,000 | 2,714 |
| Average equity | $20,071,000 | 3,213 |
| Average total loans | $104,808,000 | 3,462 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 4,316 |
| Cost of funding earning assets | 0.4237% | 6,292 |
| Net interest margin | 3.9798% | 2,592 |
| Noninterest income to average assets | 0.5724% | 3,402 |
| Noninterest expense to average assets | 2.5634% | 4,947 |
| Loan and lease loss provision to assets | 0.2792% | 2,225 |
| Net operating income to assets | 1.4572% | 1,107 |
| Return on assets (ROA) | 1.4801% | 1,182 |
| Pretax return on assets | 1.4801% | 1,926 |
| Return on Equity (ROE) | 16.9724% | 677 |
| Retained earnings to average equity (ytd only) | 16.9724% | 309 |
| Net charge-offs to loans | 1.1450% | 902 |
| Credit loss provision to net charge-offs | 52.8239% | 3,233 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 2,894 |
| Efficiency ratio | 59.6162% | 5,676 |
| Assets per employee ($millions) | 2.8263% | 6,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5020% | 7,064 |
| Loan loss allowance to noncurrent loans | 86.9852% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 6,148 |
| Noncurrent loans to loans | 0.5772% | 5,512 |
| Net loans and leases to total assets | 45.7090% | 5,817 |
| Net loans and leases to deposits | 50.1931% | 6,126 |
| Net loans and leases to core deposits | 54.7156% | 6,003 |
| Total domestic deposits to total assets | 91.0663% | 525 |
| Equity capital to assets | 8.8332% | 5,708 |
| Core capital (leverage) ratio | 8.3185% | 5,850 |
| Tier 1 risk-based capital ratio | 19.4040% | 1,871 |
| Total risk-based capital ratio | 19.9515% | 2,045 |
| Memoranda: | ||
| Average total assets | $227,826,500 | 2,795 |
| Average earning assets | $213,378,000 | 2,731 |
| Average equity | $19,867,500 | 3,240 |
| Average total loans | $105,156,000 | 3,476 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 3,889 |
| Cost of funding earning assets | 0.5041% | 6,511 |
| Net interest margin | 4.2784% | 1,774 |
| Noninterest income to average assets | 0.8533% | 1,831 |
| Noninterest expense to average assets | 2.7866% | 4,396 |
| Loan and lease loss provision to assets | 0.1103% | 5,208 |
| Net operating income to assets | 1.9440% | 346 |
| Return on assets (ROA) | 1.9599% | 354 |
| Pretax return on assets | 1.9599% | 576 |
| Return on Equity (ROE) | 21.9401% | 185 |
| Retained earnings to average equity (ytd only) | 5.3908% | 2,379 |
| Net charge-offs to loans | 0.3274% | 3,754 |
| Credit loss provision to net charge-offs | 68.4058% | 4,914 |
| Earnings coverage of net charge-offs (x) | 12.7362% | 1,595 |
| Efficiency ratio | 57.5623% | 6,107 |
| Assets per employee ($millions) | 2.7990% | 6,460 |
| Cash dividends to net income (ytd only)* | 75.4294% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 6,975 |
| Loan loss allowance to noncurrent loans | 100.9036% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 6,026 |
| Noncurrent loans to loans | 0.6315% | 5,452 |
| Net loans and leases to total assets | 46.0793% | 6,005 |
| Net loans and leases to deposits | 50.8843% | 6,298 |
| Net loans and leases to core deposits | 54.8251% | 6,241 |
| Total domestic deposits to total assets | 90.5572% | 688 |
| Equity capital to assets | 8.6066% | 6,008 |
| Core capital (leverage) ratio | 8.2742% | 5,887 |
| Tier 1 risk-based capital ratio | 18.2974% | 2,107 |
| Total risk-based capital ratio | 18.9834% | 2,263 |
| Memoranda: | ||
| Average total assets | $213,883,800 | 2,901 |
| Average earning assets | $199,350,600 | 2,865 |
| Average equity | $19,106,600 | 3,265 |
| Average total loans | $105,376,000 | 3,490 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 4,338 |
| Cost of funding earning assets | 0.5224% | 6,614 |
| Net interest margin | 4.2021% | 2,088 |
| Noninterest income to average assets | 0.8335% | 1,911 |
| Noninterest expense to average assets | 2.7435% | 4,563 |
| Loan and lease loss provision to assets | 0.1114% | 5,036 |
| Net operating income to assets | 1.8986% | 424 |
| Return on assets (ROA) | 1.9132% | 448 |
| Pretax return on assets | 1.9132% | 756 |
| Return on Equity (ROE) | 21.2079% | 250 |
| Retained earnings to average equity (ytd only) | 14.8027% | 244 |
| Net charge-offs to loans | 0.4312% | 2,995 |
| Credit loss provision to net charge-offs | 51.6129% | 4,999 |
| Earnings coverage of net charge-offs (x) | 9.3137% | 2,065 |
| Efficiency ratio | 57.7154% | 6,058 |
| Assets per employee ($millions) | 2.6114% | 6,769 |
| Cash dividends to net income (ytd only)* | 30.2017% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5756% | 7,112 |
| Loan loss allowance to noncurrent loans | 32.9046% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 0.9629% | 4,814 |
| Noncurrent loans to loans | 1.7492% | 3,702 |
| Net loans and leases to total assets | 49.5304% | 5,768 |
| Net loans and leases to deposits | 55.0308% | 6,120 |
| Net loans and leases to core deposits | 58.7067% | 6,073 |
| Total domestic deposits to total assets | 90.0050% | 861 |
| Equity capital to assets | 9.7891% | 4,637 |
| Core capital (leverage) ratio | 8.9392% | 5,032 |
| Tier 1 risk-based capital ratio | 19.8927% | 1,713 |
| Total risk-based capital ratio | 20.5372% | 1,825 |
| Memoranda: | ||
| Average total assets | $210,674,250 | 2,948 |
| Average earning assets | $196,534,000 | 2,909 |
| Average equity | $19,005,000 | 3,286 |
| Average total loans | $105,434,500 | 3,511 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7330% | 4,379 |
| Cost of funding earning assets | 0.5459% | 6,681 |
| Net interest margin | 4.1871% | 2,084 |
| Noninterest income to average assets | 0.7407% | 2,319 |
| Noninterest expense to average assets | 2.7415% | 4,655 |
| Loan and lease loss provision to assets | 0.1117% | 4,904 |
| Net operating income to assets | 1.7898% | 517 |
| Return on assets (ROA) | 1.8118% | 523 |
| Pretax return on assets | 1.8118% | 860 |
| Return on Equity (ROE) | 20.6836% | 276 |
| Retained earnings to average equity (ytd only) | 10.7341% | 718 |
| Net charge-offs to loans | 0.0514% | 5,139 |
| Credit loss provision to net charge-offs | 433.3333% | 698 |
| Earnings coverage of net charge-offs (x) | 73.7778% | 464 |
| Efficiency ratio | 59.0461% | 6,017 |
| Assets per employee ($millions) | 2.4836% | 6,931 |
| Cash dividends to net income (ytd only)* | 48.1033% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 6,788 |
| Loan loss allowance to noncurrent loans | 36.7753% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 1.2245% | 4,449 |
| Noncurrent loans to loans | 2.2934% | 3,113 |
| Net loans and leases to total assets | 48.3975% | 6,015 |
| Net loans and leases to deposits | 53.6022% | 6,338 |
| Net loans and leases to core deposits | 56.7780% | 6,361 |
| Total domestic deposits to total assets | 90.2900% | 820 |
| Equity capital to assets | 9.0970% | 5,443 |
| Core capital (leverage) ratio | 8.4107% | 5,690 |
| Tier 1 risk-based capital ratio | 18.5671% | 1,980 |
| Total risk-based capital ratio | 19.4722% | 2,059 |
| Memoranda: | ||
| Average total assets | $209,520,000 | 2,980 |
| Average earning assets | $195,265,330 | 2,934 |
| Average equity | $18,352,670 | 3,363 |
| Average total loans | $105,020,330 | 3,560 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 4,467 |
| Cost of funding earning assets | 0.5836% | 6,676 |
| Net interest margin | 4.1288% | 2,159 |
| Noninterest income to average assets | 0.8336% | 1,910 |
| Noninterest expense to average assets | 2.7845% | 4,510 |
| Loan and lease loss provision to assets | 0.1054% | 4,697 |
| Net operating income to assets | 1.7803% | 507 |
| Return on assets (ROA) | 1.8244% | 497 |
| Pretax return on assets | 1.8244% | 780 |
| Return on Equity (ROE) | 21.2417% | 283 |
| Retained earnings to average equity (ytd only) | 21.2417% | 151 |
| Net charge-offs to loans | -0.0264% | 6,665 |
| Credit loss provision to net charge-offs | -785.7143% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6225% | 6,038 |
| Assets per employee ($millions) | 2.5324% | 6,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 6,911 |
| Loan loss allowance to noncurrent loans | 35.5904% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 4,535 |
| Noncurrent loans to loans | 2.2570% | 3,246 |
| Net loans and leases to total assets | 49.4105% | 5,917 |
| Net loans and leases to deposits | 54.2766% | 6,265 |
| Net loans and leases to core deposits | 57.6550% | 6,288 |
| Total domestic deposits to total assets | 91.0346% | 611 |
| Equity capital to assets | 8.8279% | 5,451 |
| Core capital (leverage) ratio | 8.5354% | 5,379 |
| Tier 1 risk-based capital ratio | 18.4200% | 1,984 |
| Total risk-based capital ratio | 19.2907% | 2,069 |
| Memoranda: | ||
| Average total assets | $208,729,000 | 3,004 |
| Average earning assets | $193,954,500 | 2,958 |
| Average equity | $17,927,000 | 3,407 |
| Average total loans | $106,012,000 | 3,578 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 4,157 |
| Cost of funding earning assets | 0.8408% | 6,400 |
| Net interest margin | 4.2454% | 2,014 |
| Noninterest income to average assets | 1.0909% | 1,255 |
| Noninterest expense to average assets | 2.9183% | 4,149 |
| Loan and lease loss provision to assets | 0.1208% | 5,952 |
| Net operating income to assets | 1.9815% | 290 |
| Return on assets (ROA) | 2.0232% | 284 |
| Pretax return on assets | 2.0232% | 458 |
| Return on Equity (ROE) | 22.3917% | 157 |
| Retained earnings to average equity (ytd only) | 4.7747% | 2,562 |
| Net charge-offs to loans | 0.0728% | 6,069 |
| Credit loss provision to net charge-offs | 303.7975% | 879 |
| Earnings coverage of net charge-offs (x) | 52.8608% | 442 |
| Efficiency ratio | 58.1269% | 6,324 |
| Assets per employee ($millions) | 2.4973% | 7,014 |
| Cash dividends to net income (ytd only)* | 78.6763% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7258% | 7,098 |
| Loan loss allowance to noncurrent loans | 31.1102% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2935% | 4,446 |
| Noncurrent loans to loans | 2.3330% | 3,189 |
| Net loans and leases to total assets | 51.4059% | 6,002 |
| Net loans and leases to deposits | 56.6719% | 6,383 |
| Net loans and leases to core deposits | 59.8720% | 6,405 |
| Total domestic deposits to total assets | 90.7079% | 745 |
| Equity capital to assets | 8.3460% | 6,084 |
| Core capital (leverage) ratio | 8.3563% | 5,602 |
| Tier 1 risk-based capital ratio | 17.1289% | 2,300 |
| Total risk-based capital ratio | 17.9212% | 2,432 |
| Memoranda: | ||
| Average total assets | $198,642,200 | 3,119 |
| Average earning assets | $183,867,600 | 3,079 |
| Average equity | $17,948,600 | 3,431 |
| Average total loans | $108,499,600 | 3,581 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 3,805 |
| Cost of funding earning assets | 0.8980% | 6,399 |
| Net interest margin | 4.3065% | 1,829 |
| Noninterest income to average assets | 1.0586% | 1,280 |
| Noninterest expense to average assets | 2.8738% | 4,191 |
| Loan and lease loss provision to assets | 0.1221% | 5,808 |
| Net operating income to assets | 2.0493% | 310 |
| Return on assets (ROA) | 2.0961% | 310 |
| Pretax return on assets | 2.0961% | 508 |
| Return on Equity (ROE) | 22.7407% | 170 |
| Retained earnings to average equity (ytd only) | 16.0341% | 164 |
| Net charge-offs to loans | 0.1005% | 5,520 |
| Credit loss provision to net charge-offs | 219.5122% | 1,571 |
| Earnings coverage of net charge-offs (x) | 39.0246% | 696 |
| Efficiency ratio | 56.9603% | 6,418 |
| Assets per employee ($millions) | 2.4257% | 7,167 |
| Cash dividends to net income (ytd only)* | 29.4919% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6635% | 7,260 |
| Loan loss allowance to noncurrent loans | 41.8713% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9637% | 5,161 |
| Noncurrent loans to loans | 1.5846% | 4,264 |
| Net loans and leases to total assets | 53.8914% | 5,865 |
| Net loans and leases to deposits | 59.9232% | 6,321 |
| Net loans and leases to core deposits | 63.5492% | 6,332 |
| Total domestic deposits to total assets | 89.9342% | 916 |
| Equity capital to assets | 9.7958% | 4,419 |
| Core capital (leverage) ratio | 9.1095% | 4,518 |
| Tier 1 risk-based capital ratio | 18.8679% | 1,784 |
| Total risk-based capital ratio | 19.6117% | 1,876 |
| Memoranda: | ||
| Average total assets | $196,484,750 | 3,183 |
| Average earning assets | $181,890,250 | 3,149 |
| Average equity | $18,111,000 | 3,453 |
| Average total loans | $108,792,250 | 3,627 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 3,741 |
| Cost of funding earning assets | 0.9498% | 6,378 |
| Net interest margin | 4.2945% | 1,799 |
| Noninterest income to average assets | 1.0507% | 1,216 |
| Noninterest expense to average assets | 2.8373% | 4,322 |
| Loan and lease loss provision to assets | 0.1227% | 5,669 |
| Net operating income to assets | 2.0605% | 302 |
| Return on assets (ROA) | 2.0605% | 327 |
| Pretax return on assets | 2.0605% | 538 |
| Return on Equity (ROE) | 22.8403% | 178 |
| Retained earnings to average equity (ytd only) | 12.5191% | 433 |
| Net charge-offs to loans | 0.0843% | 5,297 |
| Credit loss provision to net charge-offs | 260.8696% | 1,456 |
| Earnings coverage of net charge-offs (x) | 46.4348% | 639 |
| Efficiency ratio | 56.5147% | 6,572 |
| Assets per employee ($millions) | 2.3822% | 7,251 |
| Cash dividends to net income (ytd only)* | 45.1885% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6327% | 7,366 |
| Loan loss allowance to noncurrent loans | 31.4117% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 1.9644% | 3,537 |
| Noncurrent loans to loans | 2.0141% | 3,699 |
| Net loans and leases to total assets | 54.9697% | 5,845 |
| Net loans and leases to deposits | 60.9455% | 6,318 |
| Net loans and leases to core deposits | 64.8349% | 6,328 |
| Total domestic deposits to total assets | 90.1947% | 819 |
| Equity capital to assets | 9.0825% | 5,320 |
| Core capital (leverage) ratio | 8.6467% | 5,162 |
| Tier 1 risk-based capital ratio | 17.1685% | 2,210 |
| Total risk-based capital ratio | 17.8636% | 2,386 |
| Memoranda: | ||
| Average total assets | $195,676,000 | 3,223 |
| Average earning assets | $180,881,670 | 3,186 |
| Average equity | $17,653,000 | 3,524 |
| Average total loans | $109,085,670 | 3,661 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3375% | 3,356 |
| Cost of funding earning assets | 0.9948% | 6,403 |
| Net interest margin | 4.3427% | 1,558 |
| Noninterest income to average assets | 1.0994% | 1,044 |
| Noninterest expense to average assets | 2.8564% | 4,244 |
| Loan and lease loss provision to assets | 0.1233% | 5,344 |
| Net operating income to assets | 2.1207% | 284 |
| Return on assets (ROA) | 2.1207% | 309 |
| Pretax return on assets | 2.1207% | 484 |
| Return on Equity (ROE) | 23.5879% | 205 |
| Retained earnings to average equity (ytd only) | 23.5879% | 120 |
| Net charge-offs to loans | 0.0441% | 4,976 |
| Credit loss provision to net charge-offs | 500.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 91.0000% | 357 |
| Efficiency ratio | 56.0032% | 6,764 |
| Assets per employee ($millions) | 2.4972% | 7,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 7,490 |
| Loan loss allowance to noncurrent loans | 35.9611% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 2.4741% | 2,932 |
| Noncurrent loans to loans | 1.6890% | 4,215 |
| Net loans and leases to total assets | 55.2443% | 5,854 |
| Net loans and leases to deposits | 60.9153% | 6,374 |
| Net loans and leases to core deposits | 64.7166% | 6,401 |
| Total domestic deposits to total assets | 90.6904% | 659 |
| Equity capital to assets | 9.0845% | 5,157 |
| Core capital (leverage) ratio | 8.8455% | 4,797 |
| Tier 1 risk-based capital ratio | 16.6830% | 2,384 |
| Total risk-based capital ratio | 17.3359% | 2,570 |
| Memoranda: | ||
| Average total assets | $194,654,000 | 3,292 |
| Average earning assets | $179,334,500 | 3,260 |
| Average equity | $17,500,500 | 3,570 |
| Average total loans | $108,939,500 | 3,709 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5537% | 3,849 |
| Cost of funding earning assets | 0.9720% | 7,261 |
| Net interest margin | 4.5817% | 1,018 |
| Noninterest income to average assets | 1.1289% | 1,209 |
| Noninterest expense to average assets | 3.0566% | 3,918 |
| Loan and lease loss provision to assets | 0.1970% | 5,762 |
| Net operating income to assets | 2.1098% | 181 |
| Return on assets (ROA) | 2.1098% | 195 |
| Pretax return on assets | 2.1098% | 334 |
| Return on Equity (ROE) | 23.1739% | 129 |
| Retained earnings to average equity (ytd only) | 6.5860% | 1,129 |
| Net charge-offs to loans | 0.3749% | 4,337 |
| Credit loss provision to net charge-offs | 94.1476% | 5,842 |
| Earnings coverage of net charge-offs (x) | 11.0229% | 1,632 |
| Efficiency ratio | 56.9897% | 6,889 |
| Assets per employee ($millions) | 2.4939% | 7,212 |
| Cash dividends to net income (ytd only)* | 71.5800% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 7,596 |
| Loan loss allowance to noncurrent loans | 39.0152% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 2.4023% | 2,896 |
| Noncurrent loans to loans | 1.4636% | 4,472 |
| Net loans and leases to total assets | 56.0382% | 5,947 |
| Net loans and leases to deposits | 62.2669% | 6,435 |
| Net loans and leases to core deposits | 77.7713% | 6,275 |
| Total domestic deposits to total assets | 89.9968% | 962 |
| Equity capital to assets | 8.8940% | 5,289 |
| Core capital (leverage) ratio | 8.6784% | 4,959 |
| Tier 1 risk-based capital ratio | 16.1463% | 2,455 |
| Total risk-based capital ratio | 16.7705% | 2,659 |
| Memoranda: | ||
| Average total assets | $187,792,400 | 3,316 |
| Average earning assets | $173,559,400 | 3,298 |
| Average equity | $17,096,800 | 3,654 |
| Average total loans | $104,817,800 | 3,812 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 3,940 |
| Cost of funding earning assets | 0.9726% | 7,443 |
| Net interest margin | 4.6143% | 969 |
| Noninterest income to average assets | 1.1210% | 1,261 |
| Noninterest expense to average assets | 3.0781% | 3,731 |
| Loan and lease loss provision to assets | 0.1714% | 5,651 |
| Net operating income to assets | 2.1463% | 212 |
| Return on assets (ROA) | 2.1463% | 231 |
| Pretax return on assets | 2.1463% | 403 |
| Return on Equity (ROE) | 23.4363% | 153 |
| Retained earnings to average equity (ytd only) | 16.3337% | 117 |
| Net charge-offs to loans | 0.2975% | 4,167 |
| Credit loss provision to net charge-offs | 103.4483% | 4,918 |
| Earnings coverage of net charge-offs (x) | 13.9912% | 1,631 |
| Efficiency ratio | 57.0464% | 6,869 |
| Assets per employee ($millions) | 2.3330% | 7,466 |
| Cash dividends to net income (ytd only)* | 30.3061% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6277% | 7,530 |
| Loan loss allowance to noncurrent loans | 20.2686% | 7,076 |
| Noncurrent assets plus other real estate owned to assets | 2.9299% | 2,363 |
| Noncurrent loans to loans | 3.0967% | 2,438 |
| Net loans and leases to total assets | 55.7496% | 6,171 |
| Net loans and leases to deposits | 65.0525% | 6,396 |
| Net loans and leases to core deposits | 78.7280% | 6,436 |
| Total domestic deposits to total assets | 85.6995% | 2,866 |
| Equity capital to assets | 9.7825% | 4,372 |
| Core capital (leverage) ratio | 9.3088% | 4,176 |
| Tier 1 risk-based capital ratio | 18.1793% | 1,940 |
| Total risk-based capital ratio | 18.8752% | 2,046 |
| Memoranda: | ||
| Average total assets | $186,733,500 | 3,359 |
| Average earning assets | $172,994,500 | 3,336 |
| Average equity | $17,101,250 | 3,679 |
| Average total loans | $103,965,500 | 3,880 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6265% | 3,933 |
| Cost of funding earning assets | 0.9758% | 7,587 |
| Net interest margin | 4.6507% | 874 |
| Noninterest income to average assets | 1.0974% | 1,320 |
| Noninterest expense to average assets | 3.1108% | 3,656 |
| Loan and lease loss provision to assets | 0.1920% | 5,126 |
| Net operating income to assets | 2.0998% | 236 |
| Return on assets (ROA) | 2.0998% | 259 |
| Pretax return on assets | 2.0998% | 432 |
| Return on Equity (ROE) | 23.4521% | 178 |
| Retained earnings to average equity (ytd only) | 12.6015% | 368 |
| Net charge-offs to loans | 0.4032% | 3,183 |
| Credit loss provision to net charge-offs | 85.7143% | 5,038 |
| Earnings coverage of net charge-offs (x) | 10.2333% | 2,017 |
| Efficiency ratio | 57.5799% | 6,929 |
| Assets per employee ($millions) | 2.3435% | 7,497 |
| Cash dividends to net income (ytd only)* | 46.2671% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5930% | 7,645 |
| Loan loss allowance to noncurrent loans | 20.4553% | 7,103 |
| Noncurrent assets plus other real estate owned to assets | 2.8006% | 2,296 |
| Noncurrent loans to loans | 2.8992% | 2,488 |
| Net loans and leases to total assets | 55.3193% | 6,295 |
| Net loans and leases to deposits | 62.3165% | 6,711 |
| Net loans and leases to core deposits | 73.9081% | 6,799 |
| Total domestic deposits to total assets | 88.7715% | 1,393 |
| Equity capital to assets | 9.1052% | 5,157 |
| Core capital (leverage) ratio | 8.5810% | 5,293 |
| Tier 1 risk-based capital ratio | 17.1608% | 2,248 |
| Total risk-based capital ratio | 17.8196% | 2,373 |
| Memoranda: | ||
| Average total assets | $187,542,000 | 3,367 |
| Average earning assets | $173,607,330 | 3,352 |
| Average equity | $16,791,670 | 3,757 |
| Average total loans | $104,154,000 | 3,907 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7245% | 3,676 |
| Cost of funding earning assets | 1.0233% | 7,638 |
| Net interest margin | 4.7012% | 762 |
| Noninterest income to average assets | 1.0554% | 1,332 |
| Noninterest expense to average assets | 3.0475% | 3,566 |
| Loan and lease loss provision to assets | 0.2331% | 4,115 |
| Net operating income to assets | 2.1171% | 274 |
| Return on assets (ROA) | 2.1171% | 321 |
| Pretax return on assets | 2.1171% | 525 |
| Return on Equity (ROE) | 23.8439% | 222 |
| Retained earnings to average equity (ytd only) | 23.8439% | 98 |
| Net charge-offs to loans | 0.5233% | 2,147 |
| Credit loss provision to net charge-offs | 80.2920% | 4,186 |
| Earnings coverage of net charge-offs (x) | 8.0949% | 2,240 |
| Efficiency ratio | 56.4586% | 6,906 |
| Assets per employee ($millions) | 2.3023% | 7,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5822% | 7,690 |
| Loan loss allowance to noncurrent loans | 17.6996% | 7,278 |
| Noncurrent assets plus other real estate owned to assets | 2.5814% | 2,220 |
| Noncurrent loans to loans | 3.2893% | 1,944 |
| Net loans and leases to total assets | 56.2238% | 6,208 |
| Net loans and leases to deposits | 62.6542% | 6,682 |
| Net loans and leases to core deposits | 73.6544% | 6,824 |
| Total domestic deposits to total assets | 89.7366% | 917 |
| Equity capital to assets | 9.2414% | 5,027 |
| Core capital (leverage) ratio | 8.5430% | 5,446 |
| Tier 1 risk-based capital ratio | 17.0099% | 2,336 |
| Total risk-based capital ratio | 17.6647% | 2,493 |
| Memoranda: | ||
| Average total assets | $188,745,000 | 3,372 |
| Average earning assets | $174,339,500 | 3,361 |
| Average equity | $16,759,000 | 3,781 |
| Average total loans | $104,717,500 | 3,912 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2187% | 4,419 |
| Cost of funding earning assets | 1.5903% | 7,470 |
| Net interest margin | 4.6283% | 1,100 |
| Noninterest income to average assets | 1.2665% | 918 |
| Noninterest expense to average assets | 3.0835% | 3,768 |
| Loan and lease loss provision to assets | 0.1829% | 5,067 |
| Net operating income to assets | 2.2866% | 200 |
| Return on assets (ROA) | 2.2866% | 197 |
| Pretax return on assets | 2.2866% | 327 |
| Return on Equity (ROE) | 25.8024% | 119 |
| Retained earnings to average equity (ytd only) | 4.5437% | 2,294 |
| Net charge-offs to loans | 0.0870% | 5,499 |
| Credit loss provision to net charge-offs | 360.4396% | 1,230 |
| Earnings coverage of net charge-offs (x) | 48.6593% | 775 |
| Efficiency ratio | 55.5288% | 7,084 |
| Assets per employee ($millions) | 2.4178% | 7,369 |
| Cash dividends to net income (ytd only)* | 82.3902% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 7,650 |
| Loan loss allowance to noncurrent loans | 16.9129% | 7,344 |
| Noncurrent assets plus other real estate owned to assets | 2.6104% | 1,836 |
| Noncurrent loans to loans | 3.6452% | 1,386 |
| Net loans and leases to total assets | 54.0986% | 6,644 |
| Net loans and leases to deposits | 60.0309% | 7,084 |
| Net loans and leases to core deposits | 69.6702% | 7,207 |
| Total domestic deposits to total assets | 90.1180% | 601 |
| Equity capital to assets | 8.5255% | 6,045 |
| Core capital (leverage) ratio | 8.2350% | 6,091 |
| Tier 1 risk-based capital ratio | 15.8388% | 2,728 |
| Total risk-based capital ratio | 16.5178% | 2,862 |
| Memoranda: | ||
| Average total assets | $179,307,800 | 3,416 |
| Average earning assets | $166,064,800 | 3,386 |
| Average equity | $15,890,000 | 3,951 |
| Average total loans | $104,617,200 | 3,835 |