Home > The Citizens Bank of Swainsboro > Performance and Condition Ratios
The Citizens Bank of Swainsboro, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8608% | 760 |
| Cost of funding earning assets | 0.8755% | 3,571 |
| Net interest margin | 4.9854% | 319 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.9662% | 1,169 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.7530% | 660 |
| Return on assets (ROA) | 1.7530% | 628 |
| Pretax return on assets | 2.2419% | 469 |
| Return on Equity (ROE) | 17.2800% | 917 |
| Retained earnings to average equity (ytd only) | 14.6451% | 354 |
| Net charge-offs to loans | 0.1055% | 873 |
| Credit loss provision to net charge-offs | 127.1654% | 1,616 |
| Earnings coverage of net charge-offs (x) | 30.4449% | 1,628 |
| Efficiency ratio | 55.6467% | 3,531 |
| Assets per employee ($millions) | 5.6578% | 3,107 |
| Cash dividends to net income (ytd only)* | 15.2424% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0182% | 361 |
| Loan loss allowance to noncurrent loans | 2,065.4167% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 3,094 |
| Noncurrent loans to loans | 0.0977% | 3,050 |
| Net loans and leases to total assets | 70.8900% | 1,715 |
| Net loans and leases to deposits | 80.3346% | 2,073 |
| Net loans and leases to core deposits | 85.7856% | 2,319 |
| Total domestic deposits to total assets | 88.2500% | 1,271 |
| Equity capital to assets | 10.6773% | 1,640 |
| Core capital (leverage) ratio | 11.2876% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8716% | 947 |
| Memoranda: | ||
| Average total assets | $327,090,600 | 2,283 |
| Average earning assets | $306,698,400 | 2,264 |
| Average equity | $33,185,200 | 2,136 |
| Average total loans | $240,842,000 | 2,054 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7191% | 768 |
| Cost of funding earning assets | 0.7676% | 3,611 |
| Net interest margin | 4.9515% | 329 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.9777% | 1,103 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.6646% | 842 |
| Return on assets (ROA) | 1.6646% | 838 |
| Pretax return on assets | 2.1860% | 570 |
| Return on Equity (ROE) | 16.6400% | 1,143 |
| Retained earnings to average equity (ytd only) | 13.1233% | 795 |
| Net charge-offs to loans | 0.1563% | 541 |
| Credit loss provision to net charge-offs | 96.0854% | 1,655 |
| Earnings coverage of net charge-offs (x) | 19.8648% | 1,821 |
| Efficiency ratio | 56.4519% | 3,361 |
| Assets per employee ($millions) | 5.3391% | 3,316 |
| Cash dividends to net income (ytd only)* | 21.1125% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 393 |
| Loan loss allowance to noncurrent loans | 1,735.5872% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 3,017 |
| Noncurrent loans to loans | 0.1147% | 3,000 |
| Net loans and leases to total assets | 73.7500% | 1,366 |
| Net loans and leases to deposits | 83.3415% | 1,799 |
| Net loans and leases to core deposits | 88.7225% | 2,011 |
| Total domestic deposits to total assets | 88.4900% | 1,413 |
| Equity capital to assets | 10.3459% | 1,619 |
| Core capital (leverage) ratio | 10.9848% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9731% | 1,109 |
| Memoranda: | ||
| Average total assets | $323,996,000 | 2,296 |
| Average earning assets | $303,628,250 | 2,281 |
| Average equity | $32,420,000 | 2,150 |
| Average total loans | $239,649,250 | 2,059 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5319% | 797 |
| Cost of funding earning assets | 0.6330% | 3,674 |
| Net interest margin | 4.8989% | 349 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.9521% | 1,125 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.6566% | 858 |
| Return on assets (ROA) | 1.6566% | 859 |
| Pretax return on assets | 2.1698% | 558 |
| Return on Equity (ROE) | 16.7500% | 1,140 |
| Retained earnings to average equity (ytd only) | 11.9769% | 991 |
| Net charge-offs to loans | 0.1228% | 593 |
| Credit loss provision to net charge-offs | 123.2877% | 1,317 |
| Earnings coverage of net charge-offs (x) | 25.2671% | 1,631 |
| Efficiency ratio | 56.4103% | 3,366 |
| Assets per employee ($millions) | 5.1671% | 3,438 |
| Cash dividends to net income (ytd only)* | 28.4808% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0469% | 385 |
| Loan loss allowance to noncurrent loans | 1,809.5588% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 2,953 |
| Noncurrent loans to loans | 0.1131% | 2,914 |
| Net loans and leases to total assets | 72.3600% | 1,484 |
| Net loans and leases to deposits | 81.4636% | 1,876 |
| Net loans and leases to core deposits | 86.4208% | 2,039 |
| Total domestic deposits to total assets | 88.8200% | 1,312 |
| Equity capital to assets | 10.1257% | 1,784 |
| Core capital (leverage) ratio | 10.7435% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8098% | 1,152 |
| Memoranda: | ||
| Average total assets | $323,433,667 | 2,308 |
| Average earning assets | $303,618,667 | 2,290 |
| Average equity | $31,995,000 | 2,189 |
| Average total loans | $237,839,667 | 2,063 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3082% | 819 |
| Cost of funding earning assets | 0.4941% | 3,709 |
| Net interest margin | 4.8142% | 364 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.9753% | 1,104 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.5758% | 1,025 |
| Return on assets (ROA) | 1.5758% | 1,022 |
| Pretax return on assets | 2.0634% | 695 |
| Return on Equity (ROE) | 16.1200% | 1,332 |
| Retained earnings to average equity (ytd only) | 7.4005% | 2,391 |
| Net charge-offs to loans | 0.0744% | 702 |
| Credit loss provision to net charge-offs | 204.5455% | 817 |
| Earnings coverage of net charge-offs (x) | 39.8409% | 1,192 |
| Efficiency ratio | 57.7692% | 3,217 |
| Assets per employee ($millions) | 4.9265% | 3,712 |
| Cash dividends to net income (ytd only)* | 54.0945% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 406 |
| Loan loss allowance to noncurrent loans | 1,755.8719% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 2,923 |
| Noncurrent loans to loans | 0.1160% | 2,940 |
| Net loans and leases to total assets | 75.2700% | 1,051 |
| Net loans and leases to deposits | 84.8271% | 1,439 |
| Net loans and leases to core deposits | 88.9322% | 1,680 |
| Total domestic deposits to total assets | 88.7400% | 1,641 |
| Equity capital to assets | 10.1165% | 1,760 |
| Core capital (leverage) ratio | 10.4624% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9568% | 1,381 |
| Memoranda: | ||
| Average total assets | $322,386,000 | 2,349 |
| Average earning assets | $302,774,000 | 2,328 |
| Average equity | $31,511,500 | 2,230 |
| Average total loans | $236,529,000 | 2,088 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 669 |
| Cost of funding earning assets | 0.2583% | 3,258 |
| Net interest margin | 4.2873% | 441 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.8526% | 1,224 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.3415% | 1,307 |
| Return on assets (ROA) | 1.3415% | 1,262 |
| Pretax return on assets | 1.7279% | 864 |
| Return on Equity (ROE) | 14.1500% | 1,502 |
| Retained earnings to average equity (ytd only) | 11.8550% | 700 |
| Net charge-offs to loans | 0.0024% | 2,432 |
| Credit loss provision to net charge-offs | 7,200.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 1,146.2000% | 158 |
| Efficiency ratio | 60.7412% | 2,950 |
| Assets per employee ($millions) | 5.3141% | 3,405 |
| Cash dividends to net income (ytd only)* | 16.2110% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 352 |
| Loan loss allowance to noncurrent loans | 1,467.8679% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 2,834 |
| Noncurrent loans to loans | 0.1443% | 2,792 |
| Net loans and leases to total assets | 68.5600% | 1,780 |
| Net loans and leases to deposits | 76.5874% | 2,058 |
| Net loans and leases to core deposits | 79.4986% | 2,162 |
| Total domestic deposits to total assets | 89.5200% | 1,549 |
| Equity capital to assets | 9.4471% | 2,049 |
| Core capital (leverage) ratio | 10.0576% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4707% | 1,244 |
| Memoranda: | ||
| Average total assets | $310,839,000 | 2,401 |
| Average earning assets | $292,281,200 | 2,374 |
| Average equity | $29,472,800 | 2,356 |
| Average total loans | $211,468,800 | 2,157 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 686 |
| Cost of funding earning assets | 0.2209% | 3,025 |
| Net interest margin | 4.1052% | 511 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.8118% | 1,228 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.2520% | 1,518 |
| Return on assets (ROA) | 1.2520% | 1,487 |
| Pretax return on assets | 1.6186% | 1,072 |
| Return on Equity (ROE) | 13.1900% | 1,647 |
| Retained earnings to average equity (ytd only) | 10.6813% | 1,139 |
| Net charge-offs to loans | 0.0006% | 2,315 |
| Credit loss provision to net charge-offs | 27,000.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 3,987.0000% | 28 |
| Efficiency ratio | 61.8250% | 2,851 |
| Assets per employee ($millions) | 5.0535% | 3,630 |
| Cash dividends to net income (ytd only)* | 19.0261% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2144% | 339 |
| Loan loss allowance to noncurrent loans | 1,379.8851% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 2,853 |
| Noncurrent loans to loans | 0.1605% | 2,802 |
| Net loans and leases to total assets | 67.6800% | 1,711 |
| Net loans and leases to deposits | 75.6353% | 1,908 |
| Net loans and leases to core deposits | 78.7992% | 1,988 |
| Total domestic deposits to total assets | 89.4800% | 1,881 |
| Equity capital to assets | 9.4530% | 1,911 |
| Core capital (leverage) ratio | 9.9885% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8267% | 1,215 |
| Memoranda: | ||
| Average total assets | $306,179,750 | 2,438 |
| Average earning assets | $287,857,000 | 2,413 |
| Average equity | $29,059,500 | 2,407 |
| Average total loans | $206,639,000 | 2,192 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 647 |
| Cost of funding earning assets | 0.1862% | 3,099 |
| Net interest margin | 4.0062% | 490 |
| Noninterest income to average assets | 0.7018% | 1,332 |
| Noninterest expense to average assets | 2.7847% | 1,200 |
| Loan and lease loss provision to assets | 0.1185% | 846 |
| Net operating income to assets | 1.2014% | 1,422 |
| Return on assets (ROA) | 1.2014% | 1,408 |
| Pretax return on assets | 1.5662% | 1,015 |
| Return on Equity (ROE) | 12.6414% | 1,477 |
| Retained earnings to average equity (ytd only) | 8.8525% | 1,333 |
| Net charge-offs to loans | 0.0187% | 1,364 |
| Credit loss provision to net charge-offs | 947.3684% | 424 |
| Earnings coverage of net charge-offs (x) | 134.6842% | 694 |
| Efficiency ratio | 62.3067% | 3,009 |
| Assets per employee ($millions) | 4.9966% | 3,682 |
| Cash dividends to net income (ytd only)* | 29.9726% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2284% | 369 |
| Loan loss allowance to noncurrent loans | 1,791.6031% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 3,121 |
| Noncurrent loans to loans | 0.1244% | 3,099 |
| Net loans and leases to total assets | 67.5722% | 1,518 |
| Net loans and leases to deposits | 75.5481% | 1,721 |
| Net loans and leases to core deposits | 78.4981% | 1,818 |
| Total domestic deposits to total assets | 89.4426% | 1,979 |
| Equity capital to assets | 9.5324% | 1,994 |
| Core capital (leverage) ratio | 9.8884% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7577% | 1,237 |
| Memoranda: | ||
| Average total assets | $303,800,667 | 2,462 |
| Average earning assets | $285,706,333 | 2,455 |
| Average equity | $28,873,333 | 2,471 |
| Average total loans | $203,233,000 | 2,214 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 549 |
| Cost of funding earning assets | 0.1655% | 3,290 |
| Net interest margin | 4.0085% | 412 |
| Noninterest income to average assets | 0.6053% | 1,669 |
| Noninterest expense to average assets | 2.7721% | 1,210 |
| Loan and lease loss provision to assets | 0.1187% | 701 |
| Net operating income to assets | 1.0801% | 1,581 |
| Return on assets (ROA) | 1.0801% | 1,579 |
| Pretax return on assets | 1.4837% | 1,044 |
| Return on Equity (ROE) | 11.3817% | 1,495 |
| Retained earnings to average equity (ytd only) | 3.9885% | 2,938 |
| Net charge-offs to loans | 0.0742% | 620 |
| Credit loss provision to net charge-offs | 243.2432% | 726 |
| Earnings coverage of net charge-offs (x) | 32.8378% | 1,090 |
| Efficiency ratio | 63.3705% | 3,095 |
| Assets per employee ($millions) | 5.1603% | 3,615 |
| Cash dividends to net income (ytd only)* | 64.9573% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2077% | 431 |
| Loan loss allowance to noncurrent loans | 1,393.9210% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 3,052 |
| Noncurrent loans to loans | 0.1584% | 3,014 |
| Net loans and leases to total assets | 66.7226% | 1,339 |
| Net loans and leases to deposits | 74.5339% | 1,558 |
| Net loans and leases to core deposits | 77.4634% | 1,660 |
| Total domestic deposits to total assets | 89.5198% | 1,804 |
| Equity capital to assets | 9.3980% | 2,364 |
| Core capital (leverage) ratio | 9.7280% | 2,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5836% | 1,369 |
| Memoranda: | ||
| Average total assets | $303,305,500 | 2,481 |
| Average earning assets | $285,196,500 | 2,479 |
| Average equity | $28,783,000 | 2,544 |
| Average total loans | $199,525,500 | 2,233 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 948 |
| Cost of funding earning assets | 0.2244% | 3,204 |
| Net interest margin | 4.0051% | 704 |
| Noninterest income to average assets | 0.7123% | 1,723 |
| Noninterest expense to average assets | 2.9332% | 1,090 |
| Loan and lease loss provision to assets | 0.1208% | 1,024 |
| Net operating income to assets | 1.1279% | 2,182 |
| Return on assets (ROA) | 1.1279% | 2,236 |
| Pretax return on assets | 1.4188% | 1,988 |
| Return on Equity (ROE) | 11.5207% | 1,979 |
| Retained earnings to average equity (ytd only) | 9.3581% | 1,084 |
| Net charge-offs to loans | 0.0582% | 1,207 |
| Credit loss provision to net charge-offs | 311.9266% | 1,040 |
| Earnings coverage of net charge-offs (x) | 39.7615% | 1,444 |
| Efficiency ratio | 65.5786% | 2,324 |
| Assets per employee ($millions) | 5.1212% | 3,627 |
| Cash dividends to net income (ytd only)* | 18.7717% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3693% | 346 |
| Loan loss allowance to noncurrent loans | 1,150.5076% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 3,026 |
| Noncurrent loans to loans | 0.2059% | 2,923 |
| Net loans and leases to total assets | 61.8195% | 1,965 |
| Net loans and leases to deposits | 69.6846% | 2,164 |
| Net loans and leases to core deposits | 72.5656% | 2,202 |
| Total domestic deposits to total assets | 88.7133% | 1,656 |
| Equity capital to assets | 9.5823% | 3,059 |
| Core capital (leverage) ratio | 9.7598% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7194% | 1,113 |
| Memoranda: | ||
| Average total assets | $281,501,200 | 2,527 |
| Average earning assets | $264,310,800 | 2,527 |
| Average equity | $27,559,000 | 2,679 |
| Average total loans | $187,361,600 | 2,325 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2684% | 1,008 |
| Cost of funding earning assets | 0.2311% | 3,317 |
| Net interest margin | 4.0373% | 738 |
| Noninterest income to average assets | 0.7411% | 1,694 |
| Noninterest expense to average assets | 2.9827% | 1,006 |
| Loan and lease loss provision to assets | 0.1205% | 980 |
| Net operating income to assets | 1.1097% | 2,517 |
| Return on assets (ROA) | 1.1097% | 2,570 |
| Pretax return on assets | 1.4224% | 2,244 |
| Return on Equity (ROE) | 11.2699% | 2,283 |
| Retained earnings to average equity (ytd only) | 8.8395% | 1,755 |
| Net charge-offs to loans | 0.0601% | 1,038 |
| Credit loss provision to net charge-offs | 297.6190% | 1,013 |
| Earnings coverage of net charge-offs (x) | 38.0714% | 1,400 |
| Efficiency ratio | 65.9062% | 2,111 |
| Assets per employee ($millions) | 4.6446% | 4,011 |
| Cash dividends to net income (ytd only)* | 21.5652% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3866% | 341 |
| Loan loss allowance to noncurrent loans | 936.6876% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 2,978 |
| Noncurrent loans to loans | 0.2548% | 2,913 |
| Net loans and leases to total assets | 65.5752% | 1,589 |
| Net loans and leases to deposits | 74.5419% | 1,807 |
| Net loans and leases to core deposits | 77.9210% | 1,897 |
| Total domestic deposits to total assets | 87.9709% | 1,865 |
| Equity capital to assets | 10.1524% | 2,759 |
| Core capital (leverage) ratio | 10.0250% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6457% | 1,206 |
| Memoranda: | ||
| Average total assets | $276,338,500 | 2,582 |
| Average earning assets | $259,045,750 | 2,574 |
| Average equity | $27,210,500 | 2,732 |
| Average total loans | $186,371,500 | 2,370 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 1,203 |
| Cost of funding earning assets | 0.2400% | 3,375 |
| Net interest margin | 3.9527% | 886 |
| Noninterest income to average assets | 0.7526% | 1,667 |
| Noninterest expense to average assets | 2.9627% | 1,045 |
| Loan and lease loss provision to assets | 0.1306% | 948 |
| Net operating income to assets | 1.0713% | 2,644 |
| Return on assets (ROA) | 1.0713% | 2,722 |
| Pretax return on assets | 1.3652% | 2,424 |
| Return on Equity (ROE) | 10.9944% | 2,425 |
| Retained earnings to average equity (ytd only) | 7.2998% | 2,320 |
| Net charge-offs to loans | 0.0398% | 1,234 |
| Credit loss provision to net charge-offs | 486.4865% | 689 |
| Earnings coverage of net charge-offs (x) | 55.7027% | 1,008 |
| Efficiency ratio | 66.4496% | 2,091 |
| Assets per employee ($millions) | 4.1044% | 4,388 |
| Cash dividends to net income (ytd only)* | 33.6043% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3949% | 315 |
| Loan loss allowance to noncurrent loans | 735.9272% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 2,850 |
| Noncurrent loans to loans | 0.3254% | 2,752 |
| Net loans and leases to total assets | 64.9086% | 1,841 |
| Net loans and leases to deposits | 73.4470% | 2,055 |
| Net loans and leases to core deposits | 76.8389% | 2,157 |
| Total domestic deposits to total assets | 88.3748% | 1,632 |
| Equity capital to assets | 9.8323% | 3,021 |
| Core capital (leverage) ratio | 9.7472% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6606% | 1,197 |
| Memoranda: | ||
| Average total assets | $275,560,000 | 2,576 |
| Average earning assets | $258,354,667 | 2,569 |
| Average equity | $26,850,000 | 2,754 |
| Average total loans | $186,092,333 | 2,385 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 1,263 |
| Cost of funding earning assets | 0.2586% | 3,392 |
| Net interest margin | 3.9060% | 976 |
| Noninterest income to average assets | 0.6516% | 2,021 |
| Noninterest expense to average assets | 2.8635% | 1,227 |
| Loan and lease loss provision to assets | 0.1315% | 1,041 |
| Net operating income to assets | 1.0373% | 2,681 |
| Return on assets (ROA) | 1.0373% | 2,762 |
| Pretax return on assets | 1.3193% | 2,516 |
| Return on Equity (ROE) | 10.6952% | 2,460 |
| Retained earnings to average equity (ytd only) | 3.2236% | 3,712 |
| Net charge-offs to loans | 0.0429% | 1,040 |
| Credit loss provision to net charge-offs | 450.0000% | 615 |
| Earnings coverage of net charge-offs (x) | 49.6500% | 904 |
| Efficiency ratio | 66.3732% | 2,176 |
| Assets per employee ($millions) | 4.5472% | 4,065 |
| Cash dividends to net income (ytd only)* | 69.8592% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3356% | 340 |
| Loan loss allowance to noncurrent loans | 527.3824% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 2,632 |
| Noncurrent loans to loans | 0.4429% | 2,528 |
| Net loans and leases to total assets | 65.9085% | 1,807 |
| Net loans and leases to deposits | 74.3843% | 2,085 |
| Net loans and leases to core deposits | 77.9302% | 2,193 |
| Total domestic deposits to total assets | 88.6054% | 1,558 |
| Equity capital to assets | 9.5942% | 3,115 |
| Core capital (leverage) ratio | 9.9183% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2034% | 1,247 |
| Memoranda: | ||
| Average total assets | $273,790,000 | 2,576 |
| Average earning assets | $256,731,500 | 2,564 |
| Average equity | $26,554,000 | 2,763 |
| Average total loans | $186,336,000 | 2,386 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8916% | 606 |
| Cost of funding earning assets | 0.4514% | 3,270 |
| Net interest margin | 4.4402% | 366 |
| Noninterest income to average assets | 0.7205% | 1,790 |
| Noninterest expense to average assets | 3.2739% | 936 |
| Loan and lease loss provision to assets | 0.1475% | 2,531 |
| Net operating income to assets | 1.1628% | 1,675 |
| Return on assets (ROA) | 1.1702% | 1,765 |
| Pretax return on assets | 1.4336% | 1,558 |
| Return on Equity (ROE) | 11.3860% | 1,501 |
| Retained earnings to average equity (ytd only) | 8.9191% | 789 |
| Net charge-offs to loans | 0.1701% | 978 |
| Credit loss provision to net charge-offs | 118.8119% | 2,643 |
| Earnings coverage of net charge-offs (x) | 12.6667% | 2,320 |
| Efficiency ratio | 67.5598% | 2,287 |
| Assets per employee ($millions) | 4.5034% | 3,909 |
| Cash dividends to net income (ytd only)* | 21.6661% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3193% | 341 |
| Loan loss allowance to noncurrent loans | 478.0000% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 2,657 |
| Noncurrent loans to loans | 0.4852% | 2,512 |
| Net loans and leases to total assets | 67.0544% | 1,946 |
| Net loans and leases to deposits | 76.5474% | 2,221 |
| Net loans and leases to core deposits | 80.1475% | 2,353 |
| Total domestic deposits to total assets | 87.5986% | 1,661 |
| Equity capital to assets | 9.8060% | 3,311 |
| Core capital (leverage) ratio | 9.8655% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3088% | 1,190 |
| Memoranda: | ||
| Average total assets | $244,141,400 | 2,622 |
| Average earning assets | $226,836,200 | 2,622 |
| Average equity | $25,092,200 | 2,799 |
| Average total loans | $178,096,600 | 2,426 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0707% | 534 |
| Cost of funding earning assets | 0.4934% | 3,266 |
| Net interest margin | 4.5773% | 322 |
| Noninterest income to average assets | 0.7322% | 1,698 |
| Noninterest expense to average assets | 3.3144% | 889 |
| Loan and lease loss provision to assets | 0.1515% | 2,503 |
| Net operating income to assets | 1.1803% | 1,708 |
| Return on assets (ROA) | 1.1901% | 1,792 |
| Pretax return on assets | 1.5206% | 1,404 |
| Return on Equity (ROE) | 11.4300% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.8056% | 1,036 |
| Net charge-offs to loans | 0.1135% | 1,217 |
| Credit loss provision to net charge-offs | 180.0000% | 2,182 |
| Earnings coverage of net charge-offs (x) | 19.7200% | 1,930 |
| Efficiency ratio | 66.6328% | 2,380 |
| Assets per employee ($millions) | 4.2113% | 4,135 |
| Cash dividends to net income (ytd only)* | 22.9609% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3375% | 288 |
| Loan loss allowance to noncurrent loans | 479.1438% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 2,330 |
| Noncurrent loans to loans | 0.4878% | 2,599 |
| Net loans and leases to total assets | 70.9929% | 1,819 |
| Net loans and leases to deposits | 81.4256% | 2,155 |
| Net loans and leases to core deposits | 85.4719% | 2,346 |
| Total domestic deposits to total assets | 87.1875% | 1,584 |
| Equity capital to assets | 10.0674% | 3,170 |
| Core capital (leverage) ratio | 9.9509% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9776% | 1,253 |
| Memoranda: | ||
| Average total assets | $237,626,000 | 2,649 |
| Average earning assets | $220,213,250 | 2,653 |
| Average equity | $24,741,250 | 2,810 |
| Average total loans | $176,249,500 | 2,438 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 560 |
| Cost of funding earning assets | 0.5411% | 3,287 |
| Net interest margin | 4.6683% | 361 |
| Noninterest income to average assets | 0.7353% | 1,619 |
| Noninterest expense to average assets | 3.3615% | 907 |
| Loan and lease loss provision to assets | 0.1557% | 2,441 |
| Net operating income to assets | 1.1787% | 1,700 |
| Return on assets (ROA) | 1.1937% | 1,785 |
| Pretax return on assets | 1.5510% | 1,344 |
| Return on Equity (ROE) | 11.3265% | 1,534 |
| Retained earnings to average equity (ytd only) | 7.3294% | 1,528 |
| Net charge-offs to loans | 0.1459% | 988 |
| Credit loss provision to net charge-offs | 142.8571% | 2,161 |
| Earnings coverage of net charge-offs (x) | 15.4841% | 1,907 |
| Efficiency ratio | 66.5753% | 2,436 |
| Assets per employee ($millions) | 4.0514% | 4,253 |
| Cash dividends to net income (ytd only)* | 35.2899% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3530% | 270 |
| Loan loss allowance to noncurrent loans | 395.1287% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 1,932 |
| Noncurrent loans to loans | 0.5955% | 2,367 |
| Net loans and leases to total assets | 71.0233% | 1,866 |
| Net loans and leases to deposits | 81.3852% | 2,271 |
| Net loans and leases to core deposits | 85.5124% | 2,484 |
| Total domestic deposits to total assets | 87.2681% | 1,516 |
| Equity capital to assets | 10.0025% | 3,204 |
| Core capital (leverage) ratio | 10.1983% | 2,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9677% | 1,251 |
| Memoranda: | ||
| Average total assets | $231,205,000 | 2,672 |
| Average earning assets | $213,656,000 | 2,678 |
| Average equity | $24,367,667 | 2,828 |
| Average total loans | $172,753,333 | 2,449 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 427 |
| Cost of funding earning assets | 0.6240% | 3,311 |
| Net interest margin | 4.8111% | 271 |
| Noninterest income to average assets | 0.7703% | 1,393 |
| Noninterest expense to average assets | 3.5332% | 887 |
| Loan and lease loss provision to assets | 0.1627% | 1,785 |
| Net operating income to assets | 1.1681% | 1,623 |
| Return on assets (ROA) | 1.1681% | 1,738 |
| Pretax return on assets | 1.5080% | 1,284 |
| Return on Equity (ROE) | 10.7716% | 1,482 |
| Retained earnings to average equity (ytd only) | 2.8847% | 3,128 |
| Net charge-offs to loans | 0.0215% | 1,940 |
| Credit loss provision to net charge-offs | 1,000.0000% | 564 |
| Earnings coverage of net charge-offs (x) | 102.6667% | 567 |
| Efficiency ratio | 67.8944% | 2,687 |
| Assets per employee ($millions) | 3.7422% | 4,235 |
| Cash dividends to net income (ytd only)* | 73.2198% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5351% | 232 |
| Loan loss allowance to noncurrent loans | 264.2639% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 1,725 |
| Noncurrent loans to loans | 0.9593% | 1,710 |
| Net loans and leases to total assets | 74.0745% | 1,588 |
| Net loans and leases to deposits | 85.8418% | 2,020 |
| Net loans and leases to core deposits | 90.3614% | 2,309 |
| Total domestic deposits to total assets | 86.2919% | 1,876 |
| Equity capital to assets | 10.6791% | 3,164 |
| Core capital (leverage) ratio | 11.0182% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4758% | 1,483 |
| Memoranda: | ||
| Average total assets | $221,213,500 | 2,704 |
| Average earning assets | $203,860,500 | 2,713 |
| Average equity | $23,989,000 | 2,851 |
| Average total loans | $167,779,500 | 2,470 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4861% | 574 |
| Cost of funding earning assets | 0.7429% | 2,956 |
| Net interest margin | 4.7432% | 429 |
| Noninterest income to average assets | 0.9406% | 1,093 |
| Noninterest expense to average assets | 3.4232% | 1,074 |
| Loan and lease loss provision to assets | 0.2250% | 862 |
| Net operating income to assets | 1.3453% | 1,522 |
| Return on assets (ROA) | 1.3484% | 1,590 |
| Pretax return on assets | 1.6708% | 1,272 |
| Return on Equity (ROE) | 12.8070% | 1,234 |
| Retained earnings to average equity (ytd only) | 10.3676% | 425 |
| Net charge-offs to loans | 0.1459% | 1,348 |
| Credit loss provision to net charge-offs | 208.6957% | 1,273 |
| Earnings coverage of net charge-offs (x) | 17.5522% | 2,099 |
| Efficiency ratio | 64.4035% | 3,019 |
| Assets per employee ($millions) | 3.7568% | 4,204 |
| Cash dividends to net income (ytd only)* | 19.0476% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5741% | 199 |
| Loan loss allowance to noncurrent loans | 317.9775% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 1,913 |
| Noncurrent loans to loans | 0.8095% | 1,888 |
| Net loans and leases to total assets | 73.7360% | 1,796 |
| Net loans and leases to deposits | 84.0568% | 2,327 |
| Net loans and leases to core deposits | 87.7449% | 2,630 |
| Total domestic deposits to total assets | 87.7216% | 1,264 |
| Equity capital to assets | 11.0145% | 2,982 |
| Core capital (leverage) ratio | 10.9274% | 2,568 |
| Tier 1 risk-based capital ratio | 15.4972% | 2,579 |
| Total risk-based capital ratio | 16.7659% | 2,506 |
| Memoranda: | ||
| Average total assets | $213,367,600 | 2,724 |
| Average earning assets | $196,787,000 | 2,735 |
| Average equity | $22,464,200 | 2,922 |
| Average total loans | $157,590,600 | 2,538 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4719% | 619 |
| Cost of funding earning assets | 0.7582% | 2,927 |
| Net interest margin | 4.7137% | 484 |
| Noninterest income to average assets | 0.9631% | 1,016 |
| Noninterest expense to average assets | 3.4100% | 1,070 |
| Loan and lease loss provision to assets | 0.2262% | 757 |
| Net operating income to assets | 1.2782% | 1,922 |
| Return on assets (ROA) | 1.2797% | 2,004 |
| Pretax return on assets | 1.6755% | 1,404 |
| Return on Equity (ROE) | 12.3003% | 1,511 |
| Retained earnings to average equity (ytd only) | 9.8064% | 800 |
| Net charge-offs to loans | 0.1618% | 1,035 |
| Credit loss provision to net charge-offs | 190.4762% | 1,373 |
| Earnings coverage of net charge-offs (x) | 16.0002% | 2,155 |
| Efficiency ratio | 64.2215% | 2,970 |
| Assets per employee ($millions) | 3.5116% | 4,489 |
| Cash dividends to net income (ytd only)* | 20.2748% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6253% | 194 |
| Loan loss allowance to noncurrent loans | 684.0722% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,316 |
| Noncurrent loans to loans | 0.3838% | 3,177 |
| Net loans and leases to total assets | 72.1358% | 2,158 |
| Net loans and leases to deposits | 83.9119% | 2,467 |
| Net loans and leases to core deposits | 87.5925% | 2,771 |
| Total domestic deposits to total assets | 85.9661% | 2,012 |
| Equity capital to assets | 10.8632% | 3,236 |
| Core capital (leverage) ratio | 10.7845% | 2,855 |
| Tier 1 risk-based capital ratio | 15.5564% | 2,620 |
| Total risk-based capital ratio | 16.8253% | 2,555 |
| Memoranda: | ||
| Average total assets | $212,235,750 | 2,748 |
| Average earning assets | $195,709,250 | 2,762 |
| Average equity | $22,080,250 | 2,979 |
| Average total loans | $155,760,250 | 2,589 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4336% | 637 |
| Cost of funding earning assets | 0.7431% | 2,930 |
| Net interest margin | 4.6905% | 498 |
| Noninterest income to average assets | 0.9850% | 899 |
| Noninterest expense to average assets | 3.3898% | 1,122 |
| Loan and lease loss provision to assets | 0.2269% | 725 |
| Net operating income to assets | 1.2909% | 1,815 |
| Return on assets (ROA) | 1.2931% | 1,860 |
| Pretax return on assets | 1.6911% | 1,288 |
| Return on Equity (ROE) | 12.6178% | 1,367 |
| Retained earnings to average equity (ytd only) | 8.8085% | 1,089 |
| Net charge-offs to loans | 0.1977% | 837 |
| Credit loss provision to net charge-offs | 156.8627% | 1,442 |
| Earnings coverage of net charge-offs (x) | 13.2418% | 2,112 |
| Efficiency ratio | 63.8988% | 3,146 |
| Assets per employee ($millions) | 3.7469% | 4,187 |
| Cash dividends to net income (ytd only)* | 30.1901% | 2,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6132% | 192 |
| Loan loss allowance to noncurrent loans | 505.8240% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 2,928 |
| Noncurrent loans to loans | 0.5166% | 2,731 |
| Net loans and leases to total assets | 71.2276% | 2,336 |
| Net loans and leases to deposits | 82.4691% | 2,676 |
| Net loans and leases to core deposits | 85.8261% | 2,974 |
| Total domestic deposits to total assets | 86.3688% | 1,865 |
| Equity capital to assets | 10.5382% | 3,484 |
| Core capital (leverage) ratio | 10.6719% | 2,913 |
| Tier 1 risk-based capital ratio | 15.2953% | 2,713 |
| Total risk-based capital ratio | 16.5644% | 2,636 |
| Memoranda: | ||
| Average total assets | $211,577,670 | 2,767 |
| Average earning assets | $194,861,330 | 2,782 |
| Average equity | $21,683,670 | 3,003 |
| Average total loans | $154,784,330 | 2,612 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3785% | 659 |
| Cost of funding earning assets | 0.7141% | 2,980 |
| Net interest margin | 4.6644% | 535 |
| Noninterest income to average assets | 0.9251% | 981 |
| Noninterest expense to average assets | 3.4571% | 1,027 |
| Loan and lease loss provision to assets | 0.2279% | 680 |
| Net operating income to assets | 1.1777% | 2,137 |
| Return on assets (ROA) | 1.1777% | 2,188 |
| Pretax return on assets | 1.5329% | 1,671 |
| Return on Equity (ROE) | 11.6585% | 1,672 |
| Retained earnings to average equity (ytd only) | 3.8924% | 3,356 |
| Net charge-offs to loans | 0.1713% | 798 |
| Credit loss provision to net charge-offs | 181.8182% | 1,110 |
| Earnings coverage of net charge-offs (x) | 14.0455% | 1,816 |
| Efficiency ratio | 66.2541% | 2,909 |
| Assets per employee ($millions) | 3.6875% | 4,355 |
| Cash dividends to net income (ytd only)* | 66.6129% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5974% | 219 |
| Loan loss allowance to noncurrent loans | 287.1631% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 2,031 |
| Noncurrent loans to loans | 0.9045% | 1,849 |
| Net loans and leases to total assets | 72.2377% | 2,113 |
| Net loans and leases to deposits | 83.3992% | 2,452 |
| Net loans and leases to core deposits | 86.9571% | 2,783 |
| Total domestic deposits to total assets | 86.6167% | 1,996 |
| Equity capital to assets | 10.2180% | 3,604 |
| Core capital (leverage) ratio | 10.4633% | 3,088 |
| Tier 1 risk-based capital ratio | 14.6226% | 3,052 |
| Total risk-based capital ratio | 15.8912% | 2,962 |
| Memoranda: | ||
| Average total assets | $210,578,500 | 2,802 |
| Average earning assets | $193,807,500 | 2,816 |
| Average equity | $21,272,000 | 3,044 |
| Average total loans | $154,073,000 | 2,649 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2770% | 608 |
| Cost of funding earning assets | 0.5959% | 2,752 |
| Net interest margin | 4.6811% | 508 |
| Noninterest income to average assets | 0.8786% | 1,232 |
| Noninterest expense to average assets | 3.4684% | 1,039 |
| Loan and lease loss provision to assets | 0.2691% | 625 |
| Net operating income to assets | 1.1506% | 2,380 |
| Return on assets (ROA) | 1.1506% | 2,386 |
| Pretax return on assets | 1.4338% | 2,017 |
| Return on Equity (ROE) | 11.7765% | 1,790 |
| Retained earnings to average equity (ytd only) | 9.6135% | 703 |
| Net charge-offs to loans | 0.1624% | 1,182 |
| Credit loss provision to net charge-offs | 227.2727% | 1,300 |
| Earnings coverage of net charge-offs (x) | 14.3843% | 2,380 |
| Efficiency ratio | 67.0703% | 2,697 |
| Assets per employee ($millions) | 3.7012% | 4,313 |
| Cash dividends to net income (ytd only)* | 18.3673% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6238% | 200 |
| Loan loss allowance to noncurrent loans | 786.4173% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 3,484 |
| Noncurrent loans to loans | 0.3336% | 3,356 |
| Net loans and leases to total assets | 70.2790% | 2,527 |
| Net loans and leases to deposits | 80.8920% | 2,867 |
| Net loans and leases to core deposits | 84.3370% | 3,052 |
| Total domestic deposits to total assets | 86.8801% | 1,837 |
| Equity capital to assets | 9.9858% | 3,694 |
| Core capital (leverage) ratio | 10.3075% | 3,242 |
| Tier 1 risk-based capital ratio | 14.8985% | 2,881 |
| Total risk-based capital ratio | 16.1672% | 2,796 |
| Memoranda: | ||
| Average total assets | $204,419,800 | 2,816 |
| Average earning assets | $187,456,000 | 2,855 |
| Average equity | $19,972,000 | 3,093 |
| Average total loans | $148,985,800 | 2,656 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2241% | 601 |
| Cost of funding earning assets | 0.5740% | 2,668 |
| Net interest margin | 4.6501% | 526 |
| Noninterest income to average assets | 0.8646% | 1,301 |
| Noninterest expense to average assets | 3.4466% | 1,056 |
| Loan and lease loss provision to assets | 0.2959% | 498 |
| Net operating income to assets | 1.0606% | 2,820 |
| Return on assets (ROA) | 1.0606% | 2,832 |
| Pretax return on assets | 1.3834% | 2,288 |
| Return on Equity (ROE) | 10.9178% | 2,211 |
| Retained earnings to average equity (ytd only) | 8.2915% | 1,519 |
| Net charge-offs to loans | 0.2340% | 728 |
| Credit loss provision to net charge-offs | 173.0769% | 1,547 |
| Earnings coverage of net charge-offs (x) | 9.8230% | 2,624 |
| Efficiency ratio | 67.2396% | 2,673 |
| Assets per employee ($millions) | 3.6630% | 4,356 |
| Cash dividends to net income (ytd only)* | 24.0546% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5743% | 218 |
| Loan loss allowance to noncurrent loans | 568.4751% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 3,191 |
| Noncurrent loans to loans | 0.4528% | 3,031 |
| Net loans and leases to total assets | 71.5298% | 2,404 |
| Net loans and leases to deposits | 82.2541% | 2,784 |
| Net loans and leases to core deposits | 86.0566% | 2,985 |
| Total domestic deposits to total assets | 86.9619% | 1,748 |
| Equity capital to assets | 9.8840% | 3,755 |
| Core capital (leverage) ratio | 10.2202% | 3,381 |
| Tier 1 risk-based capital ratio | 14.5859% | 3,073 |
| Total risk-based capital ratio | 15.8539% | 2,991 |
| Memoranda: | ||
| Average total assets | $202,782,500 | 2,854 |
| Average earning assets | $185,825,500 | 2,891 |
| Average equity | $19,698,250 | 3,137 |
| Average total loans | $148,166,750 | 2,682 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 600 |
| Cost of funding earning assets | 0.5589% | 2,530 |
| Net interest margin | 4.5941% | 558 |
| Noninterest income to average assets | 0.8515% | 1,317 |
| Noninterest expense to average assets | 3.4594% | 1,052 |
| Loan and lease loss provision to assets | 0.2970% | 466 |
| Net operating income to assets | 1.0020% | 3,005 |
| Return on assets (ROA) | 1.0020% | 3,006 |
| Pretax return on assets | 1.3030% | 2,500 |
| Return on Equity (ROE) | 10.3763% | 2,392 |
| Retained earnings to average equity (ytd only) | 6.6236% | 2,249 |
| Net charge-offs to loans | 0.3149% | 508 |
| Credit loss provision to net charge-offs | 129.3103% | 1,724 |
| Earnings coverage of net charge-offs (x) | 6.9655% | 2,585 |
| Efficiency ratio | 68.3757% | 2,580 |
| Assets per employee ($millions) | 3.6534% | 4,400 |
| Cash dividends to net income (ytd only)* | 36.1660% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5118% | 243 |
| Loan loss allowance to noncurrent loans | 512.2783% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 3,157 |
| Noncurrent loans to loans | 0.4903% | 2,962 |
| Net loans and leases to total assets | 71.2353% | 2,403 |
| Net loans and leases to deposits | 81.7461% | 2,790 |
| Net loans and leases to core deposits | 85.8370% | 2,940 |
| Total domestic deposits to total assets | 87.1422% | 1,778 |
| Equity capital to assets | 9.7033% | 3,913 |
| Core capital (leverage) ratio | 9.9731% | 3,606 |
| Tier 1 risk-based capital ratio | 14.2231% | 3,251 |
| Total risk-based capital ratio | 15.4907% | 3,161 |
| Memoranda: | ||
| Average total assets | $202,000,000 | 2,882 |
| Average earning assets | $185,021,330 | 2,918 |
| Average equity | $19,506,000 | 3,171 |
| Average total loans | $147,353,670 | 2,699 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1065% | 578 |
| Cost of funding earning assets | 0.5361% | 2,501 |
| Net interest margin | 4.5703% | 535 |
| Noninterest income to average assets | 0.8231% | 1,383 |
| Noninterest expense to average assets | 3.5156% | 976 |
| Loan and lease loss provision to assets | 0.2989% | 433 |
| Net operating income to assets | 0.9267% | 3,172 |
| Return on assets (ROA) | 0.9267% | 3,192 |
| Pretax return on assets | 1.1878% | 2,809 |
| Return on Equity (ROE) | 9.6209% | 2,621 |
| Retained earnings to average equity (ytd only) | 2.3380% | 4,229 |
| Net charge-offs to loans | 0.0957% | 1,217 |
| Credit loss provision to net charge-offs | 428.5714% | 663 |
| Earnings coverage of net charge-offs (x) | 21.3143% | 1,436 |
| Efficiency ratio | 70.2789% | 2,445 |
| Assets per employee ($millions) | 3.6875% | 4,432 |
| Cash dividends to net income (ytd only)* | 75.6989% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5783% | 237 |
| Loan loss allowance to noncurrent loans | 436.5098% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 3,068 |
| Noncurrent loans to loans | 0.5907% | 2,767 |
| Net loans and leases to total assets | 70.8335% | 2,356 |
| Net loans and leases to deposits | 81.0344% | 2,693 |
| Net loans and leases to core deposits | 84.7778% | 2,913 |
| Total domestic deposits to total assets | 87.4117% | 1,945 |
| Equity capital to assets | 9.5407% | 4,055 |
| Core capital (leverage) ratio | 9.9294% | 3,603 |
| Tier 1 risk-based capital ratio | 14.0468% | 3,358 |
| Total risk-based capital ratio | 15.3153% | 3,260 |
| Memoranda: | ||
| Average total assets | $200,704,500 | 2,924 |
| Average earning assets | $183,532,000 | 2,957 |
| Average equity | $19,333,000 | 3,219 |
| Average total loans | $146,282,500 | 2,732 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 528 |
| Cost of funding earning assets | 0.4692% | 2,610 |
| Net interest margin | 4.6339% | 462 |
| Noninterest income to average assets | 0.8050% | 1,548 |
| Noninterest expense to average assets | 3.2417% | 1,525 |
| Loan and lease loss provision to assets | 0.3806% | 396 |
| Net operating income to assets | 0.7557% | 3,362 |
| Return on assets (ROA) | 0.7722% | 3,334 |
| Pretax return on assets | 1.4631% | 1,767 |
| Return on Equity (ROE) | 7.7834% | 2,895 |
| Retained earnings to average equity (ytd only) | 5.7537% | 1,682 |
| Net charge-offs to loans | 0.1486% | 1,604 |
| Credit loss provision to net charge-offs | 349.5146% | 842 |
| Earnings coverage of net charge-offs (x) | 16.6942% | 2,162 |
| Efficiency ratio | 64.0723% | 3,593 |
| Assets per employee ($millions) | 3.6108% | 4,554 |
| Cash dividends to net income (ytd only)* | 26.0780% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5410% | 234 |
| Loan loss allowance to noncurrent loans | 437.8860% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 3,118 |
| Noncurrent loans to loans | 0.5803% | 2,763 |
| Net loans and leases to total assets | 71.2081% | 2,351 |
| Net loans and leases to deposits | 81.7655% | 2,743 |
| Net loans and leases to core deposits | 85.3940% | 2,953 |
| Total domestic deposits to total assets | 87.0882% | 1,949 |
| Equity capital to assets | 9.7264% | 4,000 |
| Core capital (leverage) ratio | 10.0729% | 3,359 |
| Tier 1 risk-based capital ratio | 14.0658% | 3,325 |
| Total risk-based capital ratio | 15.3331% | 3,217 |
| Memoranda: | ||
| Average total assets | $189,190,800 | 3,028 |
| Average earning assets | $173,699,200 | 3,029 |
| Average equity | $18,770,600 | 3,266 |
| Average total loans | $138,619,600 | 2,801 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0715% | 531 |
| Cost of funding earning assets | 0.4573% | 2,639 |
| Net interest margin | 4.6142% | 475 |
| Noninterest income to average assets | 0.7443% | 1,809 |
| Noninterest expense to average assets | 3.2305% | 1,497 |
| Loan and lease loss provision to assets | 0.3853% | 363 |
| Net operating income to assets | 0.8859% | 3,101 |
| Return on assets (ROA) | 0.9077% | 3,054 |
| Pretax return on assets | 1.4029% | 2,109 |
| Return on Equity (ROE) | 9.1013% | 2,554 |
| Retained earnings to average equity (ytd only) | 6.5827% | 1,921 |
| Net charge-offs to loans | 0.1869% | 1,122 |
| Credit loss provision to net charge-offs | 281.2500% | 1,041 |
| Earnings coverage of net charge-offs (x) | 12.8075% | 2,400 |
| Efficiency ratio | 64.8010% | 3,403 |
| Assets per employee ($millions) | 3.6308% | 4,546 |
| Cash dividends to net income (ytd only)* | 27.6728% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4549% | 279 |
| Loan loss allowance to noncurrent loans | 378.1955% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 2,791 |
| Noncurrent loans to loans | 0.6491% | 2,766 |
| Net loans and leases to total assets | 72.7031% | 2,148 |
| Net loans and leases to deposits | 83.7934% | 2,579 |
| Net loans and leases to core deposits | 87.6421% | 2,806 |
| Total domestic deposits to total assets | 86.7647% | 1,968 |
| Equity capital to assets | 10.0212% | 3,889 |
| Core capital (leverage) ratio | 10.2865% | 3,218 |
| Tier 1 risk-based capital ratio | 14.1081% | 3,392 |
| Total risk-based capital ratio | 15.3743% | 3,296 |
| Memoranda: | ||
| Average total assets | $186,840,000 | 3,078 |
| Average earning assets | $171,726,500 | 3,076 |
| Average equity | $18,634,250 | 3,314 |
| Average total loans | $136,999,000 | 2,841 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 540 |
| Cost of funding earning assets | 0.4441% | 2,654 |
| Net interest margin | 4.5844% | 488 |
| Noninterest income to average assets | 0.7396% | 1,812 |
| Noninterest expense to average assets | 3.2404% | 1,495 |
| Loan and lease loss provision to assets | 0.3892% | 351 |
| Net operating income to assets | 0.8644% | 3,102 |
| Return on assets (ROA) | 0.8974% | 2,983 |
| Pretax return on assets | 1.3796% | 2,103 |
| Return on Equity (ROE) | 9.0131% | 2,501 |
| Retained earnings to average equity (ytd only) | 5.1907% | 2,586 |
| Net charge-offs to loans | 0.2492% | 819 |
| Credit loss provision to net charge-offs | 214.2857% | 1,208 |
| Earnings coverage of net charge-offs (x) | 9.4583% | 2,431 |
| Efficiency ratio | 65.3511% | 3,455 |
| Assets per employee ($millions) | 3.5656% | 4,628 |
| Cash dividends to net income (ytd only)* | 42.4096% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4473% | 297 |
| Loan loss allowance to noncurrent loans | 393.5673% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 2,987 |
| Noncurrent loans to loans | 0.6218% | 2,869 |
| Net loans and leases to total assets | 70.9794% | 2,379 |
| Net loans and leases to deposits | 81.7511% | 2,722 |
| Net loans and leases to core deposits | 85.2814% | 2,947 |
| Total domestic deposits to total assets | 86.8237% | 2,030 |
| Equity capital to assets | 9.9727% | 3,943 |
| Core capital (leverage) ratio | 10.2473% | 3,209 |
| Tier 1 risk-based capital ratio | 14.4674% | 3,185 |
| Total risk-based capital ratio | 15.7340% | 3,097 |
| Memoranda: | ||
| Average total assets | $184,976,000 | 3,107 |
| Average earning assets | $170,229,000 | 3,106 |
| Average equity | $18,417,670 | 3,343 |
| Average total loans | $134,857,000 | 2,874 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 538 |
| Cost of funding earning assets | 0.4321% | 2,698 |
| Net interest margin | 4.5510% | 477 |
| Noninterest income to average assets | 0.7148% | 1,899 |
| Noninterest expense to average assets | 3.2420% | 1,497 |
| Loan and lease loss provision to assets | 0.3935% | 288 |
| Net operating income to assets | 0.8460% | 3,008 |
| Return on assets (ROA) | 0.8460% | 3,051 |
| Pretax return on assets | 1.2701% | 2,348 |
| Return on Equity (ROE) | 8.5039% | 2,673 |
| Retained earnings to average equity (ytd only) | 0.7691% | 4,725 |
| Net charge-offs to loans | 0.0689% | 1,640 |
| Credit loss provision to net charge-offs | 782.6087% | 403 |
| Earnings coverage of net charge-offs (x) | 33.0870% | 1,156 |
| Efficiency ratio | 66.0873% | 3,480 |
| Assets per employee ($millions) | 3.7079% | 4,493 |
| Cash dividends to net income (ytd only)* | 90.9561% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4561% | 327 |
| Loan loss allowance to noncurrent loans | 162.4390% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2039% | 1,462 |
| Noncurrent loans to loans | 1.5120% | 1,316 |
| Net loans and leases to total assets | 71.3358% | 2,162 |
| Net loans and leases to deposits | 82.1294% | 2,493 |
| Net loans and leases to core deposits | 85.4303% | 2,769 |
| Total domestic deposits to total assets | 86.8578% | 2,283 |
| Equity capital to assets | 9.8649% | 3,913 |
| Core capital (leverage) ratio | 10.2500% | 3,192 |
| Tier 1 risk-based capital ratio | 14.2848% | 3,326 |
| Total risk-based capital ratio | 15.5514% | 3,235 |
| Memoranda: | ||
| Average total assets | $182,976,000 | 3,149 |
| Average earning assets | $168,492,000 | 3,152 |
| Average equity | $18,203,500 | 3,388 |
| Average total loans | $133,536,000 | 2,907 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1155% | 488 |
| Cost of funding earning assets | 0.3742% | 3,275 |
| Net interest margin | 4.7413% | 393 |
| Noninterest income to average assets | 0.8468% | 1,591 |
| Noninterest expense to average assets | 3.3900% | 1,383 |
| Loan and lease loss provision to assets | 0.4190% | 359 |
| Net operating income to assets | 0.9575% | 2,547 |
| Return on assets (ROA) | 0.9754% | 2,565 |
| Pretax return on assets | 1.4156% | 1,876 |
| Return on Equity (ROE) | 9.3771% | 2,237 |
| Retained earnings to average equity (ytd only) | 6.4783% | 1,467 |
| Net charge-offs to loans | 0.4178% | 625 |
| Credit loss provision to net charge-offs | 137.3308% | 1,979 |
| Earnings coverage of net charge-offs (x) | 5.9284% | 3,254 |
| Efficiency ratio | 65.2100% | 3,729 |
| Assets per employee ($millions) | 3.6111% | 4,594 |
| Cash dividends to net income (ytd only)* | 30.9135% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4131% | 349 |
| Loan loss allowance to noncurrent loans | 353.3408% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5981% | 2,936 |
| Noncurrent loans to loans | 0.6829% | 2,826 |
| Net loans and leases to total assets | 71.0668% | 2,326 |
| Net loans and leases to deposits | 82.0110% | 2,668 |
| Net loans and leases to core deposits | 85.2581% | 2,907 |
| Total domestic deposits to total assets | 86.6552% | 2,308 |
| Equity capital to assets | 10.0345% | 3,688 |
| Core capital (leverage) ratio | 10.5820% | 2,796 |
| Tier 1 risk-based capital ratio | 14.9506% | 2,986 |
| Total risk-based capital ratio | 16.2172% | 2,917 |
| Memoranda: | ||
| Average total assets | $169,466,600 | 3,290 |
| Average earning assets | $155,546,600 | 3,306 |
| Average equity | $17,628,000 | 3,468 |
| Average total loans | $123,747,200 | 3,015 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 483 |
| Cost of funding earning assets | 0.3762% | 3,268 |
| Net interest margin | 4.7377% | 404 |
| Noninterest income to average assets | 0.8462% | 1,586 |
| Noninterest expense to average assets | 3.4489% | 1,249 |
| Loan and lease loss provision to assets | 0.4239% | 333 |
| Net operating income to assets | 0.8614% | 3,092 |
| Return on assets (ROA) | 0.8790% | 3,139 |
| Pretax return on assets | 1.3421% | 2,264 |
| Return on Equity (ROE) | 8.3705% | 2,821 |
| Retained earnings to average equity (ytd only) | 4.4785% | 3,152 |
| Net charge-offs to loans | 0.3678% | 606 |
| Credit loss provision to net charge-offs | 157.7381% | 1,717 |
| Earnings coverage of net charge-offs (x) | 6.4702% | 2,998 |
| Efficiency ratio | 66.4817% | 3,503 |
| Assets per employee ($millions) | 3.5588% | 4,706 |
| Cash dividends to net income (ytd only)* | 46.4970% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4266% | 363 |
| Loan loss allowance to noncurrent loans | 286.9801% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 2,254 |
| Noncurrent loans to loans | 0.8456% | 2,568 |
| Net loans and leases to total assets | 74.7139% | 1,753 |
| Net loans and leases to deposits | 84.6776% | 2,405 |
| Net loans and leases to core deposits | 88.0138% | 2,761 |
| Total domestic deposits to total assets | 88.2333% | 1,278 |
| Equity capital to assets | 10.5754% | 3,484 |
| Core capital (leverage) ratio | 10.5512% | 2,936 |
| Tier 1 risk-based capital ratio | 14.4101% | 3,326 |
| Total risk-based capital ratio | 15.6768% | 3,250 |
| Memoranda: | ||
| Average total assets | $166,694,000 | 3,339 |
| Average earning assets | $152,756,500 | 3,356 |
| Average equity | $17,505,500 | 3,510 |
| Average total loans | $121,811,750 | 3,040 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 593 |
| Cost of funding earning assets | 0.3751% | 3,300 |
| Net interest margin | 4.6272% | 484 |
| Noninterest income to average assets | 0.8190% | 1,645 |
| Noninterest expense to average assets | 3.4636% | 1,235 |
| Loan and lease loss provision to assets | 0.4234% | 347 |
| Net operating income to assets | 0.7725% | 3,433 |
| Return on assets (ROA) | 0.7997% | 3,452 |
| Pretax return on assets | 1.2110% | 2,745 |
| Return on Equity (ROE) | 7.6332% | 3,184 |
| Retained earnings to average equity (ytd only) | 3.6954% | 3,536 |
| Net charge-offs to loans | 0.4781% | 460 |
| Credit loss provision to net charge-offs | 123.2394% | 1,827 |
| Earnings coverage of net charge-offs (x) | 4.6373% | 2,968 |
| Efficiency ratio | 68.4928% | 3,247 |
| Assets per employee ($millions) | 3.3447% | 5,001 |
| Cash dividends to net income (ytd only)* | 51.5885% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4804% | 371 |
| Loan loss allowance to noncurrent loans | 203.2021% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 1.1774% | 1,776 |
| Noncurrent loans to loans | 1.2207% | 1,878 |
| Net loans and leases to total assets | 71.6094% | 2,229 |
| Net loans and leases to deposits | 81.1350% | 2,799 |
| Net loans and leases to core deposits | 84.7134% | 3,015 |
| Total domestic deposits to total assets | 88.2596% | 1,293 |
| Equity capital to assets | 10.6276% | 3,500 |
| Core capital (leverage) ratio | 10.5355% | 2,930 |
| Tier 1 risk-based capital ratio | 15.0123% | 3,074 |
| Total risk-based capital ratio | 16.2790% | 3,007 |
| Memoranda: | ||
| Average total assets | $165,318,330 | 3,374 |
| Average earning assets | $151,408,000 | 3,388 |
| Average equity | $17,319,000 | 3,539 |
| Average total loans | $118,815,330 | 3,098 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 611 |
| Cost of funding earning assets | 0.3708% | 3,389 |
| Net interest margin | 4.6047% | 494 |
| Noninterest income to average assets | 0.8250% | 1,540 |
| Noninterest expense to average assets | 3.4388% | 1,297 |
| Loan and lease loss provision to assets | 0.4381% | 295 |
| Net operating income to assets | 0.7562% | 3,456 |
| Return on assets (ROA) | 0.7690% | 3,507 |
| Pretax return on assets | 1.1682% | 2,825 |
| Return on Equity (ROE) | 7.3953% | 3,246 |
| Retained earnings to average equity (ytd only) | -0.5851% | 5,216 |
| Net charge-offs to loans | 0.1678% | 1,134 |
| Credit loss provision to net charge-offs | 367.3469% | 751 |
| Earnings coverage of net charge-offs (x) | 13.3061% | 1,744 |
| Efficiency ratio | 68.4262% | 3,393 |
| Assets per employee ($millions) | 3.3383% | 5,068 |
| Cash dividends to net income (ytd only)* | 107.9114% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6166% | 342 |
| Loan loss allowance to noncurrent loans | 118.2440% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.9410% | 915 |
| Noncurrent loans to loans | 2.2129% | 922 |
| Net loans and leases to total assets | 70.7805% | 2,224 |
| Net loans and leases to deposits | 80.1542% | 2,772 |
| Net loans and leases to core deposits | 83.5832% | 2,967 |
| Total domestic deposits to total assets | 88.3053% | 1,466 |
| Equity capital to assets | 10.5704% | 3,400 |
| Core capital (leverage) ratio | 10.6464% | 2,798 |
| Tier 1 risk-based capital ratio | 15.2055% | 3,060 |
| Total risk-based capital ratio | 16.4744% | 2,987 |
| Memoranda: | ||
| Average total assets | $164,360,000 | 3,397 |
| Average earning assets | $149,933,500 | 3,422 |
| Average equity | $17,092,000 | 3,573 |
| Average total loans | $116,822,000 | 3,134 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9476% | 692 |
| Cost of funding earning assets | 0.3952% | 3,207 |
| Net interest margin | 4.5524% | 603 |
| Noninterest income to average assets | 0.8302% | 1,673 |
| Noninterest expense to average assets | 3.2776% | 1,767 |
| Loan and lease loss provision to assets | 0.4057% | 328 |
| Net operating income to assets | 0.9216% | 2,751 |
| Return on assets (ROA) | 0.9274% | 2,807 |
| Pretax return on assets | 1.3242% | 2,182 |
| Return on Equity (ROE) | 8.8890% | 2,506 |
| Retained earnings to average equity (ytd only) | 6.1421% | 1,726 |
| Net charge-offs to loans | 0.8926% | 236 |
| Credit loss provision to net charge-offs | 66.3158% | 3,178 |
| Earnings coverage of net charge-offs (x) | 2.8137% | 3,822 |
| Efficiency ratio | 65.5630% | 3,970 |
| Assets per employee ($millions) | 3.4404% | 4,920 |
| Cash dividends to net income (ytd only)* | 30.9028% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5969% | 356 |
| Loan loss allowance to noncurrent loans | 220.0886% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 1,899 |
| Noncurrent loans to loans | 1.1799% | 1,998 |
| Net loans and leases to total assets | 67.6822% | 2,754 |
| Net loans and leases to deposits | 76.2505% | 3,221 |
| Net loans and leases to core deposits | 78.8413% | 3,458 |
| Total domestic deposits to total assets | 88.7629% | 1,248 |
| Equity capital to assets | 10.2294% | 3,707 |
| Core capital (leverage) ratio | 10.6151% | 2,812 |
| Tier 1 risk-based capital ratio | 15.3311% | 3,027 |
| Total risk-based capital ratio | 16.5989% | 2,956 |
| Memoranda: | ||
| Average total assets | $155,268,400 | 3,487 |
| Average earning assets | $142,189,600 | 3,514 |
| Average equity | $16,199,800 | 3,644 |
| Average total loans | $106,427,000 | 3,272 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 746 |
| Cost of funding earning assets | 0.3989% | 3,236 |
| Net interest margin | 4.5155% | 627 |
| Noninterest income to average assets | 0.8298% | 1,688 |
| Noninterest expense to average assets | 3.2722% | 1,775 |
| Loan and lease loss provision to assets | 0.3927% | 314 |
| Net operating income to assets | 0.8633% | 3,120 |
| Return on assets (ROA) | 0.8708% | 3,166 |
| Pretax return on assets | 1.3246% | 2,302 |
| Return on Equity (ROE) | 8.3027% | 2,923 |
| Retained earnings to average equity (ytd only) | 4.8086% | 3,046 |
| Net charge-offs to loans | 1.1513% | 148 |
| Credit loss provision to net charge-offs | 49.9445% | 3,037 |
| Earnings coverage of net charge-offs (x) | 2.1698% | 3,717 |
| Efficiency ratio | 65.7318% | 3,940 |
| Assets per employee ($millions) | 2.9508% | 5,599 |
| Cash dividends to net income (ytd only)* | 42.0846% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5819% | 395 |
| Loan loss allowance to noncurrent loans | 204.5226% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.2526% | 1,868 |
| Noncurrent loans to loans | 1.2624% | 2,025 |
| Net loans and leases to total assets | 70.0580% | 2,376 |
| Net loans and leases to deposits | 79.4238% | 2,941 |
| Net loans and leases to core deposits | 81.7287% | 3,280 |
| Total domestic deposits to total assets | 88.2078% | 1,452 |
| Equity capital to assets | 10.7006% | 3,360 |
| Core capital (leverage) ratio | 10.8199% | 2,687 |
| Tier 1 risk-based capital ratio | 15.4787% | 3,061 |
| Total risk-based capital ratio | 16.7468% | 2,976 |
| Memoranda: | ||
| Average total assets | $152,800,250 | 3,553 |
| Average earning assets | $140,372,500 | 3,569 |
| Average equity | $16,026,500 | 3,708 |
| Average total loans | $104,346,000 | 3,338 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 805 |
| Cost of funding earning assets | 0.3982% | 3,293 |
| Net interest margin | 4.4517% | 690 |
| Noninterest income to average assets | 0.8598% | 1,571 |
| Noninterest expense to average assets | 3.2047% | 1,971 |
| Loan and lease loss provision to assets | 0.3932% | 308 |
| Net operating income to assets | 0.8926% | 2,920 |
| Return on assets (ROA) | 0.8926% | 3,046 |
| Pretax return on assets | 1.3645% | 2,128 |
| Return on Equity (ROE) | 8.5684% | 2,762 |
| Retained earnings to average equity (ytd only) | 3.2839% | 3,961 |
| Net charge-offs to loans | 1.5047% | 116 |
| Credit loss provision to net charge-offs | 38.9610% | 2,829 |
| Earnings coverage of net charge-offs (x) | 1.7416% | 3,458 |
| Efficiency ratio | 64.5800% | 4,262 |
| Assets per employee ($millions) | 3.3888% | 5,002 |
| Cash dividends to net income (ytd only)* | 61.6740% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7209% | 363 |
| Loan loss allowance to noncurrent loans | 187.0456% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.3659% | 1,838 |
| Noncurrent loans to loans | 1.4547% | 1,826 |
| Net loans and leases to total assets | 66.3488% | 2,892 |
| Net loans and leases to deposits | 75.0310% | 3,381 |
| Net loans and leases to core deposits | 76.8734% | 3,678 |
| Total domestic deposits to total assets | 88.4286% | 1,432 |
| Equity capital to assets | 10.4605% | 3,483 |
| Core capital (leverage) ratio | 10.6127% | 2,840 |
| Tier 1 risk-based capital ratio | 15.9723% | 2,871 |
| Total risk-based capital ratio | 17.2419% | 2,820 |
| Memoranda: | ||
| Average total assets | $152,587,000 | 3,588 |
| Average earning assets | $140,622,000 | 3,590 |
| Average equity | $15,895,670 | 3,739 |
| Average total loans | $102,346,000 | 3,395 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7640% | 921 |
| Cost of funding earning assets | 0.4003% | 3,301 |
| Net interest margin | 4.3637% | 786 |
| Noninterest income to average assets | 0.7783% | 1,795 |
| Noninterest expense to average assets | 3.1527% | 2,121 |
| Loan and lease loss provision to assets | 0.3931% | 302 |
| Net operating income to assets | 0.8177% | 3,170 |
| Return on assets (ROA) | 0.8177% | 3,297 |
| Pretax return on assets | 1.2605% | 2,420 |
| Return on Equity (ROE) | 7.8651% | 3,025 |
| Retained earnings to average equity (ytd only) | -0.7058% | 5,501 |
| Net charge-offs to loans | 2.5809% | 57 |
| Credit loss provision to net charge-offs | 22.9008% | 2,337 |
| Earnings coverage of net charge-offs (x) | 0.9634% | 2,986 |
| Efficiency ratio | 65.5943% | 4,224 |
| Assets per employee ($millions) | 3.4498% | 4,989 |
| Cash dividends to net income (ytd only)* | 108.9744% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7742% | 377 |
| Loan loss allowance to noncurrent loans | 404.4863% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 2,747 |
| Noncurrent loans to loans | 0.6859% | 3,565 |
| Net loans and leases to total assets | 64.5330% | 3,022 |
| Net loans and leases to deposits | 72.9584% | 3,439 |
| Net loans and leases to core deposits | 74.9033% | 3,697 |
| Total domestic deposits to total assets | 88.4517% | 1,569 |
| Equity capital to assets | 10.4454% | 3,592 |
| Core capital (leverage) ratio | 10.4438% | 3,038 |
| Tier 1 risk-based capital ratio | 16.4921% | 2,685 |
| Total risk-based capital ratio | 17.7620% | 2,621 |
| Memoranda: | ||
| Average total assets | $152,632,000 | 3,613 |
| Average earning assets | $140,889,500 | 3,611 |
| Average equity | $15,867,500 | 3,768 |
| Average total loans | $101,514,000 | 3,424 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 744 |
| Cost of funding earning assets | 0.4338% | 3,349 |
| Net interest margin | 4.5832% | 634 |
| Noninterest income to average assets | 0.8087% | 1,838 |
| Noninterest expense to average assets | 3.1214% | 2,446 |
| Loan and lease loss provision to assets | 0.3808% | 484 |
| Net operating income to assets | 0.9904% | 2,431 |
| Return on assets (ROA) | 1.0021% | 2,453 |
| Pretax return on assets | 1.5299% | 1,442 |
| Return on Equity (ROE) | 10.0801% | 2,082 |
| Retained earnings to average equity (ytd only) | 5.7429% | 2,104 |
| Net charge-offs to loans | 0.5376% | 753 |
| Credit loss provision to net charge-offs | 103.9783% | 2,303 |
| Earnings coverage of net charge-offs (x) | 5.1682% | 3,487 |
| Efficiency ratio | 62.2507% | 4,869 |
| Assets per employee ($millions) | 3.5692% | 4,780 |
| Cash dividends to net income (ytd only)* | 43.0271% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2265% | 234 |
| Loan loss allowance to noncurrent loans | 185.1852% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.4517% | 1,892 |
| Noncurrent loans to loans | 1.7423% | 1,663 |
| Net loans and leases to total assets | 64.4919% | 3,145 |
| Net loans and leases to deposits | 72.7263% | 3,595 |
| Net loans and leases to core deposits | 74.3784% | 3,889 |
| Total domestic deposits to total assets | 88.6776% | 1,420 |
| Equity capital to assets | 10.3470% | 3,666 |
| Core capital (leverage) ratio | 10.5211% | 2,921 |
| Tier 1 risk-based capital ratio | 16.4076% | 2,758 |
| Total risk-based capital ratio | 17.6845% | 2,692 |
| Memoranda: | ||
| Average total assets | $150,988,200 | 3,619 |
| Average earning assets | $138,549,000 | 3,622 |
| Average equity | $15,009,800 | 3,831 |
| Average total loans | $102,860,400 | 3,359 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0050% | 764 |
| Cost of funding earning assets | 0.4404% | 3,363 |
| Net interest margin | 4.5646% | 660 |
| Noninterest income to average assets | 0.8104% | 1,854 |
| Noninterest expense to average assets | 3.1274% | 2,390 |
| Loan and lease loss provision to assets | 0.3325% | 547 |
| Net operating income to assets | 0.9919% | 2,486 |
| Return on assets (ROA) | 1.0011% | 2,510 |
| Pretax return on assets | 1.5464% | 1,493 |
| Return on Equity (ROE) | 10.1763% | 2,132 |
| Retained earnings to average equity (ytd only) | 4.3626% | 3,549 |
| Net charge-offs to loans | 0.4207% | 945 |
| Credit loss provision to net charge-offs | 115.3846% | 1,967 |
| Earnings coverage of net charge-offs (x) | 6.4708% | 3,081 |
| Efficiency ratio | 62.6465% | 4,791 |
| Assets per employee ($millions) | 3.5343% | 4,797 |
| Cash dividends to net income (ytd only)* | 57.1301% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1812% | 296 |
| Loan loss allowance to noncurrent loans | 206.3236% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 1.3938% | 2,214 |
| Noncurrent loans to loans | 1.5419% | 2,102 |
| Net loans and leases to total assets | 68.2336% | 2,493 |
| Net loans and leases to deposits | 77.0037% | 3,067 |
| Net loans and leases to core deposits | 79.1346% | 3,422 |
| Total domestic deposits to total assets | 88.6109% | 1,443 |
| Equity capital to assets | 10.3085% | 3,778 |
| Core capital (leverage) ratio | 10.3743% | 3,187 |
| Tier 1 risk-based capital ratio | 15.6933% | 3,216 |
| Total risk-based capital ratio | 16.9702% | 3,141 |
| Memoranda: | ||
| Average total assets | $150,366,500 | 3,656 |
| Average earning assets | $137,753,250 | 3,663 |
| Average equity | $14,792,250 | 3,897 |
| Average total loans | $103,005,750 | 3,389 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 781 |
| Cost of funding earning assets | 0.4425% | 3,413 |
| Net interest margin | 4.5369% | 656 |
| Noninterest income to average assets | 0.7933% | 1,858 |
| Noninterest expense to average assets | 3.0727% | 2,589 |
| Loan and lease loss provision to assets | 0.3245% | 578 |
| Net operating income to assets | 0.9930% | 2,349 |
| Return on assets (ROA) | 0.9973% | 2,402 |
| Pretax return on assets | 1.5443% | 1,412 |
| Return on Equity (ROE) | 10.2993% | 2,013 |
| Retained earnings to average equity (ytd only) | 1.4772% | 5,153 |
| Net charge-offs to loans | 0.5719% | 714 |
| Credit loss provision to net charge-offs | 83.6177% | 2,284 |
| Earnings coverage of net charge-offs (x) | 4.7986% | 3,041 |
| Efficiency ratio | 62.2652% | 4,971 |
| Assets per employee ($millions) | 3.6374% | 4,585 |
| Cash dividends to net income (ytd only)* | 85.6574% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1047% | 336 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0219% | 3,026 |
| Noncurrent loans to loans | 1.3072% | 2,626 |
| Net loans and leases to total assets | 67.5952% | 2,486 |
| Net loans and leases to deposits | 75.9665% | 3,063 |
| Net loans and leases to core deposits | 78.0498% | 3,433 |
| Total domestic deposits to total assets | 88.9802% | 1,366 |
| Equity capital to assets | 10.0086% | 4,091 |
| Core capital (leverage) ratio | 9.9822% | 3,642 |
| Tier 1 risk-based capital ratio | 15.4345% | 3,390 |
| Total risk-based capital ratio | 16.7104% | 3,315 |
| Memoranda: | ||
| Average total assets | $151,008,670 | 3,665 |
| Average earning assets | $137,848,330 | 3,679 |
| Average equity | $14,622,330 | 3,925 |
| Average total loans | $102,469,670 | 3,407 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 857 |
| Cost of funding earning assets | 0.4294% | 3,653 |
| Net interest margin | 4.4802% | 680 |
| Noninterest income to average assets | 0.6897% | 2,226 |
| Noninterest expense to average assets | 3.0326% | 2,759 |
| Loan and lease loss provision to assets | 0.3291% | 551 |
| Net operating income to assets | 0.9076% | 2,616 |
| Return on assets (ROA) | 0.9161% | 2,641 |
| Pretax return on assets | 1.4058% | 1,722 |
| Return on Equity (ROE) | 9.6196% | 2,194 |
| Retained earnings to average equity (ytd only) | -2.0732% | 5,864 |
| Net charge-offs to loans | 0.3068% | 1,147 |
| Credit loss provision to net charge-offs | 160.2564% | 1,199 |
| Earnings coverage of net charge-offs (x) | 8.3846% | 2,032 |
| Efficiency ratio | 63.7874% | 4,891 |
| Assets per employee ($millions) | 3.7107% | 4,494 |
| Cash dividends to net income (ytd only)* | 121.5517% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2785% | 335 |
| Loan loss allowance to noncurrent loans | 142.2764% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.6597% | 2,131 |
| Noncurrent loans to loans | 2.3043% | 1,547 |
| Net loans and leases to total assets | 64.4768% | 2,813 |
| Net loans and leases to deposits | 72.0213% | 3,333 |
| Net loans and leases to core deposits | 74.2527% | 3,620 |
| Total domestic deposits to total assets | 89.5246% | 1,355 |
| Equity capital to assets | 9.5375% | 4,451 |
| Core capital (leverage) ratio | 9.9070% | 3,702 |
| Tier 1 risk-based capital ratio | 15.5594% | 3,404 |
| Total risk-based capital ratio | 16.8373% | 3,353 |
| Memoranda: | ||
| Average total assets | $151,947,000 | 3,679 |
| Average earning assets | $137,852,500 | 3,700 |
| Average equity | $14,470,500 | 3,955 |
| Average total loans | $101,686,500 | 3,432 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 977 |
| Cost of funding earning assets | 0.4868% | 3,747 |
| Net interest margin | 4.4809% | 763 |
| Noninterest income to average assets | 0.7539% | 2,273 |
| Noninterest expense to average assets | 3.0197% | 2,998 |
| Loan and lease loss provision to assets | 0.3864% | 782 |
| Net operating income to assets | 0.9539% | 2,551 |
| Return on assets (ROA) | 0.9562% | 2,607 |
| Pretax return on assets | 1.4151% | 1,733 |
| Return on Equity (ROE) | 10.1091% | 2,068 |
| Retained earnings to average equity (ytd only) | 8.3544% | 940 |
| Net charge-offs to loans | 0.5591% | 1,175 |
| Credit loss provision to net charge-offs | 102.4955% | 2,362 |
| Earnings coverage of net charge-offs (x) | 4.7701% | 3,463 |
| Efficiency ratio | 62.6778% | 5,105 |
| Assets per employee ($millions) | 3.7014% | 4,474 |
| Cash dividends to net income (ytd only)* | 17.3577% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2151% | 364 |
| Loan loss allowance to noncurrent loans | 317.0213% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 3,499 |
| Noncurrent loans to loans | 1.0142% | 3,484 |
| Net loans and leases to total assets | 65.0230% | 2,862 |
| Net loans and leases to deposits | 72.5588% | 3,450 |
| Net loans and leases to core deposits | 75.3685% | 3,683 |
| Total domestic deposits to total assets | 89.6143% | 1,265 |
| Equity capital to assets | 9.5093% | 4,420 |
| Core capital (leverage) ratio | 10.0376% | 3,509 |
| Tier 1 risk-based capital ratio | 15.4740% | 3,389 |
| Total risk-based capital ratio | 16.7511% | 3,325 |
| Memoranda: | ||
| Average total assets | $148,822,000 | 3,725 |
| Average earning assets | $134,973,400 | 3,739 |
| Average equity | $14,076,400 | 4,049 |
| Average total loans | $100,335,600 | 3,435 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 1,037 |
| Cost of funding earning assets | 0.4945% | 3,822 |
| Net interest margin | 4.4507% | 806 |
| Noninterest income to average assets | 0.7995% | 2,149 |
| Noninterest expense to average assets | 3.0035% | 2,982 |
| Loan and lease loss provision to assets | 0.4052% | 742 |
| Net operating income to assets | 0.9217% | 2,732 |
| Return on assets (ROA) | 0.9247% | 2,825 |
| Pretax return on assets | 1.4306% | 1,831 |
| Return on Equity (ROE) | 9.7893% | 2,265 |
| Retained earnings to average equity (ytd only) | 7.5016% | 1,638 |
| Net charge-offs to loans | 0.5123% | 1,254 |
| Credit loss provision to net charge-offs | 117.1875% | 2,006 |
| Earnings coverage of net charge-offs (x) | 5.2968% | 3,228 |
| Efficiency ratio | 62.1229% | 5,120 |
| Assets per employee ($millions) | 3.6030% | 4,649 |
| Cash dividends to net income (ytd only)* | 23.3689% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2968% | 414 |
| Loan loss allowance to noncurrent loans | 303.8321% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0763% | 3,508 |
| Noncurrent loans to loans | 1.0851% | 3,621 |
| Net loans and leases to total assets | 66.1202% | 2,620 |
| Net loans and leases to deposits | 73.8560% | 3,250 |
| Net loans and leases to core deposits | 76.8243% | 3,521 |
| Total domestic deposits to total assets | 89.5258% | 1,280 |
| Equity capital to assets | 9.5069% | 4,547 |
| Core capital (leverage) ratio | 9.9443% | 3,750 |
| Tier 1 risk-based capital ratio | 15.1422% | 3,661 |
| Total risk-based capital ratio | 16.4201% | 3,605 |
| Memoranda: | ||
| Average total assets | $148,088,250 | 3,777 |
| Average earning assets | $134,269,000 | 3,787 |
| Average equity | $13,987,750 | 4,116 |
| Average total loans | $99,930,750 | 3,480 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8626% | 1,185 |
| Cost of funding earning assets | 0.4941% | 3,952 |
| Net interest margin | 4.3684% | 902 |
| Noninterest income to average assets | 0.8002% | 2,182 |
| Noninterest expense to average assets | 2.9688% | 3,096 |
| Loan and lease loss provision to assets | 0.4048% | 761 |
| Net operating income to assets | 0.9011% | 2,790 |
| Return on assets (ROA) | 0.9055% | 2,903 |
| Pretax return on assets | 1.3940% | 1,954 |
| Return on Equity (ROE) | 9.6070% | 2,368 |
| Retained earnings to average equity (ytd only) | 6.1851% | 2,332 |
| Net charge-offs to loans | 0.5242% | 1,258 |
| Credit loss provision to net charge-offs | 114.9425% | 1,925 |
| Earnings coverage of net charge-offs (x) | 5.0881% | 2,968 |
| Efficiency ratio | 62.3583% | 5,120 |
| Assets per employee ($millions) | 3.6064% | 4,608 |
| Cash dividends to net income (ytd only)* | 35.6185% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2951% | 434 |
| Loan loss allowance to noncurrent loans | 201.1571% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2356% | 3,283 |
| Noncurrent loans to loans | 1.6381% | 2,860 |
| Net loans and leases to total assets | 65.5593% | 2,671 |
| Net loans and leases to deposits | 73.1972% | 3,264 |
| Net loans and leases to core deposits | 75.6330% | 3,588 |
| Total domestic deposits to total assets | 89.5653% | 1,285 |
| Equity capital to assets | 9.4060% | 4,713 |
| Core capital (leverage) ratio | 9.5642% | 4,134 |
| Tier 1 risk-based capital ratio | 15.0163% | 3,767 |
| Total risk-based capital ratio | 16.2943% | 3,717 |
| Memoranda: | ||
| Average total assets | $148,209,330 | 3,801 |
| Average earning assets | $134,373,670 | 3,817 |
| Average equity | $13,969,000 | 4,154 |
| Average total loans | $99,572,330 | 3,501 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 1,249 |
| Cost of funding earning assets | 0.4994% | 4,098 |
| Net interest margin | 4.3189% | 936 |
| Noninterest income to average assets | 0.7467% | 2,350 |
| Noninterest expense to average assets | 2.9222% | 3,259 |
| Loan and lease loss provision to assets | 0.4044% | 762 |
| Net operating income to assets | 0.8674% | 2,821 |
| Return on assets (ROA) | 0.8761% | 2,922 |
| Pretax return on assets | 1.3506% | 2,042 |
| Return on Equity (ROE) | 9.2860% | 2,358 |
| Retained earnings to average equity (ytd only) | 2.8001% | 4,605 |
| Net charge-offs to loans | 0.3587% | 1,564 |
| Credit loss provision to net charge-offs | 168.5393% | 1,246 |
| Earnings coverage of net charge-offs (x) | 7.2584% | 2,097 |
| Efficiency ratio | 62.6590% | 5,209 |
| Assets per employee ($millions) | 3.6166% | 4,744 |
| Cash dividends to net income (ytd only)* | 69.8462% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3606% | 473 |
| Loan loss allowance to noncurrent loans | 212.8681% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1815% | 3,596 |
| Noncurrent loans to loans | 1.5787% | 3,163 |
| Net loans and leases to total assets | 64.4823% | 2,616 |
| Net loans and leases to deposits | 71.8532% | 3,200 |
| Net loans and leases to core deposits | 74.2497% | 3,547 |
| Total domestic deposits to total assets | 89.7418% | 1,190 |
| Equity capital to assets | 9.4334% | 4,949 |
| Core capital (leverage) ratio | 9.4828% | 4,117 |
| Tier 1 risk-based capital ratio | 14.9139% | 3,904 |
| Total risk-based capital ratio | 16.1932% | 3,845 |
| Memoranda: | ||
| Average total assets | $148,382,500 | 3,840 |
| Average earning assets | $134,572,000 | 3,854 |
| Average equity | $13,999,500 | 4,199 |
| Average total loans | $99,238,000 | 3,527 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 1,444 |
| Cost of funding earning assets | 0.6280% | 4,116 |
| Net interest margin | 4.4193% | 1,118 |
| Noninterest income to average assets | 0.8329% | 2,111 |
| Noninterest expense to average assets | 3.0215% | 3,197 |
| Loan and lease loss provision to assets | 0.6561% | 810 |
| Net operating income to assets | 0.7999% | 3,288 |
| Return on assets (ROA) | 0.8647% | 3,222 |
| Pretax return on assets | 1.2542% | 2,591 |
| Return on Equity (ROE) | 9.3313% | 2,471 |
| Retained earnings to average equity (ytd only) | 7.2295% | 1,456 |
| Net charge-offs to loans | 0.5122% | 2,196 |
| Credit loss provision to net charge-offs | 182.6923% | 1,439 |
| Earnings coverage of net charge-offs (x) | 5.0577% | 3,159 |
| Efficiency ratio | 62.4554% | 5,174 |
| Assets per employee ($millions) | 3.7121% | 4,537 |
| Cash dividends to net income (ytd only)* | 22.5240% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2792% | 518 |
| Loan loss allowance to noncurrent loans | 163.7732% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 3,210 |
| Noncurrent loans to loans | 2.0023% | 2,690 |
| Net loans and leases to total assets | 64.8366% | 2,750 |
| Net loans and leases to deposits | 72.2340% | 3,373 |
| Net loans and leases to core deposits | 74.5399% | 3,713 |
| Total domestic deposits to total assets | 89.7592% | 1,090 |
| Equity capital to assets | 9.4360% | 4,953 |
| Core capital (leverage) ratio | 9.6089% | 3,948 |
| Tier 1 risk-based capital ratio | 14.5232% | 4,017 |
| Total risk-based capital ratio | 15.8002% | 3,949 |
| Memoranda: | ||
| Average total assets | $144,796,200 | 3,862 |
| Average earning assets | $131,220,200 | 3,865 |
| Average equity | $13,417,200 | 4,269 |
| Average total loans | $101,526,600 | 3,481 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 1,430 |
| Cost of funding earning assets | 0.6539% | 4,160 |
| Net interest margin | 4.4443% | 1,103 |
| Noninterest income to average assets | 0.8526% | 2,020 |
| Noninterest expense to average assets | 3.0581% | 3,028 |
| Loan and lease loss provision to assets | 0.7414% | 673 |
| Net operating income to assets | 0.7184% | 3,836 |
| Return on assets (ROA) | 0.8016% | 3,688 |
| Pretax return on assets | 1.2103% | 2,954 |
| Return on Equity (ROE) | 8.6919% | 2,950 |
| Retained earnings to average equity (ytd only) | 5.8482% | 2,789 |
| Net charge-offs to loans | 0.5436% | 1,975 |
| Credit loss provision to net charge-offs | 192.3077% | 1,443 |
| Earnings coverage of net charge-offs (x) | 4.7356% | 3,215 |
| Efficiency ratio | 62.6186% | 5,048 |
| Assets per employee ($millions) | 3.4819% | 5,005 |
| Cash dividends to net income (ytd only)* | 32.7166% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1905% | 603 |
| Loan loss allowance to noncurrent loans | 193.9723% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 3,750 |
| Noncurrent loans to loans | 1.6448% | 3,324 |
| Net loans and leases to total assets | 68.3990% | 2,234 |
| Net loans and leases to deposits | 76.3555% | 2,932 |
| Net loans and leases to core deposits | 79.0181% | 3,322 |
| Total domestic deposits to total assets | 89.5796% | 1,085 |
| Equity capital to assets | 9.5735% | 5,104 |
| Core capital (leverage) ratio | 9.4676% | 4,318 |
| Tier 1 risk-based capital ratio | 13.9318% | 4,581 |
| Total risk-based capital ratio | 15.2081% | 4,509 |
| Memoranda: | ||
| Average total assets | $143,874,250 | 3,921 |
| Average earning assets | $130,502,500 | 3,925 |
| Average equity | $13,268,750 | 4,349 |
| Average total loans | $102,024,250 | 3,513 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 1,478 |
| Cost of funding earning assets | 0.6703% | 4,273 |
| Net interest margin | 4.4389% | 1,110 |
| Noninterest income to average assets | 0.8693% | 1,890 |
| Noninterest expense to average assets | 3.0711% | 3,012 |
| Loan and lease loss provision to assets | 0.7972% | 627 |
| Net operating income to assets | 0.6811% | 3,976 |
| Return on assets (ROA) | 0.8056% | 3,630 |
| Pretax return on assets | 1.2201% | 2,837 |
| Return on Equity (ROE) | 8.8459% | 2,878 |
| Retained earnings to average equity (ytd only) | 6.0597% | 2,675 |
| Net charge-offs to loans | 0.5839% | 1,860 |
| Credit loss provision to net charge-offs | 192.3077% | 1,472 |
| Earnings coverage of net charge-offs (x) | 4.4114% | 3,096 |
| Efficiency ratio | 62.6769% | 5,137 |
| Assets per employee ($millions) | 3.4352% | 5,129 |
| Cash dividends to net income (ytd only)* | 31.4974% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0921% | 722 |
| Loan loss allowance to noncurrent loans | 163.3403% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.4257% | 3,582 |
| Noncurrent loans to loans | 1.8930% | 3,086 |
| Net loans and leases to total assets | 67.5571% | 2,357 |
| Net loans and leases to deposits | 75.1029% | 3,114 |
| Net loans and leases to core deposits | 77.8514% | 3,539 |
| Total domestic deposits to total assets | 89.9527% | 949 |
| Equity capital to assets | 9.2571% | 5,384 |
| Core capital (leverage) ratio | 9.2804% | 4,481 |
| Tier 1 risk-based capital ratio | 13.6903% | 4,676 |
| Total risk-based capital ratio | 14.9652% | 4,626 |
| Memoranda: | ||
| Average total assets | $144,246,330 | 3,934 |
| Average earning assets | $130,977,330 | 3,940 |
| Average equity | $13,136,000 | 4,371 |
| Average total loans | $102,411,330 | 3,506 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 1,312 |
| Cost of funding earning assets | 0.6971% | 4,307 |
| Net interest margin | 4.5065% | 1,003 |
| Noninterest income to average assets | 0.9207% | 1,663 |
| Noninterest expense to average assets | 3.0895% | 2,948 |
| Loan and lease loss provision to assets | 0.7627% | 659 |
| Net operating income to assets | 0.7821% | 3,466 |
| Return on assets (ROA) | 0.7821% | 3,707 |
| Pretax return on assets | 1.1565% | 3,082 |
| Return on Equity (ROE) | 8.6596% | 2,968 |
| Retained earnings to average equity (ytd only) | 3.3472% | 4,561 |
| Net charge-offs to loans | 1.0491% | 989 |
| Credit loss provision to net charge-offs | 101.4760% | 2,266 |
| Earnings coverage of net charge-offs (x) | 2.5535% | 3,147 |
| Efficiency ratio | 61.6833% | 5,332 |
| Assets per employee ($millions) | 3.6660% | 4,729 |
| Cash dividends to net income (ytd only)* | 61.3475% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8080% | 998 |
| Loan loss allowance to noncurrent loans | 91.1954% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 2.2836% | 2,611 |
| Noncurrent loans to loans | 3.0791% | 2,079 |
| Net loans and leases to total assets | 68.7057% | 1,990 |
| Net loans and leases to deposits | 76.2564% | 2,756 |
| Net loans and leases to core deposits | 78.7406% | 3,227 |
| Total domestic deposits to total assets | 90.0983% | 1,029 |
| Equity capital to assets | 9.1610% | 5,279 |
| Core capital (leverage) ratio | 9.0706% | 4,728 |
| Tier 1 risk-based capital ratio | 13.3133% | 4,966 |
| Total risk-based capital ratio | 14.5841% | 4,938 |
| Memoranda: | ||
| Average total assets | $144,230,500 | 3,967 |
| Average earning assets | $130,832,500 | 3,974 |
| Average equity | $13,026,000 | 4,405 |
| Average total loans | $103,327,000 | 3,518 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 1,298 |
| Cost of funding earning assets | 0.9684% | 3,589 |
| Net interest margin | 4.4813% | 1,180 |
| Noninterest income to average assets | 0.8835% | 1,730 |
| Noninterest expense to average assets | 3.0790% | 3,274 |
| Loan and lease loss provision to assets | 1.2640% | 665 |
| Net operating income to assets | 0.4293% | 4,736 |
| Return on assets (ROA) | 0.4654% | 4,766 |
| Pretax return on assets | 0.6430% | 4,542 |
| Return on Equity (ROE) | 5.2250% | 4,280 |
| Retained earnings to average equity (ytd only) | 4.4627% | 2,995 |
| Net charge-offs to loans | 0.9520% | 1,821 |
| Credit loss provision to net charge-offs | 177.1060% | 1,481 |
| Earnings coverage of net charge-offs (x) | 2.6016% | 3,914 |
| Efficiency ratio | 62.3818% | 5,396 |
| Assets per employee ($millions) | 3.5484% | 4,891 |
| Cash dividends to net income (ytd only)* | 14.5897% | 3,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6841% | 1,089 |
| Loan loss allowance to noncurrent loans | 114.0902% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.9988% | 2,962 |
| Noncurrent loans to loans | 2.3526% | 2,788 |
| Net loans and leases to total assets | 70.6254% | 1,897 |
| Net loans and leases to deposits | 78.1523% | 2,817 |
| Net loans and leases to core deposits | 80.7955% | 3,342 |
| Total domestic deposits to total assets | 90.3688% | 781 |
| Equity capital to assets | 8.9039% | 5,670 |
| Core capital (leverage) ratio | 9.0668% | 4,671 |
| Tier 1 risk-based capital ratio | 12.6684% | 5,325 |
| Total risk-based capital ratio | 13.9378% | 5,295 |
| Memoranda: | ||
| Average total assets | $141,374,800 | 3,951 |
| Average earning assets | $127,842,800 | 3,974 |
| Average equity | $12,593,400 | 4,420 |
| Average total loans | $105,988,600 | 3,477 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4881% | 1,279 |
| Cost of funding earning assets | 1.0406% | 3,387 |
| Net interest margin | 4.4474% | 1,284 |
| Noninterest income to average assets | 0.9053% | 1,628 |
| Noninterest expense to average assets | 3.1550% | 2,977 |
| Loan and lease loss provision to assets | 1.0213% | 837 |
| Net operating income to assets | 0.4960% | 4,567 |
| Return on assets (ROA) | 0.5406% | 4,545 |
| Pretax return on assets | 0.8161% | 4,065 |
| Return on Equity (ROE) | 6.0676% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.1185% | 3,097 |
| Net charge-offs to loans | 0.9200% | 1,745 |
| Credit loss provision to net charge-offs | 146.8579% | 2,141 |
| Earnings coverage of net charge-offs (x) | 2.5451% | 3,855 |
| Efficiency ratio | 64.0625% | 5,055 |
| Assets per employee ($millions) | 3.4215% | 5,191 |
| Cash dividends to net income (ytd only)* | 15.6409% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2578% | 1,757 |
| Loan loss allowance to noncurrent loans | 115.4475% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 1.7835% | 3,423 |
| Noncurrent loans to loans | 1.9557% | 3,419 |
| Net loans and leases to total assets | 74.0311% | 1,323 |
| Net loans and leases to deposits | 82.2487% | 2,311 |
| Net loans and leases to core deposits | 85.1680% | 2,886 |
| Total domestic deposits to total assets | 90.0088% | 858 |
| Equity capital to assets | 9.2043% | 5,504 |
| Core capital (leverage) ratio | 9.0468% | 4,852 |
| Tier 1 risk-based capital ratio | 12.3946% | 5,586 |
| Total risk-based capital ratio | 13.6582% | 5,563 |
| Memoranda: | ||
| Average total assets | $140,347,000 | 3,986 |
| Average earning assets | $126,841,500 | 4,017 |
| Average equity | $12,503,250 | 4,451 |
| Average total loans | $106,089,750 | 3,501 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4572% | 1,394 |
| Cost of funding earning assets | 1.0877% | 3,333 |
| Net interest margin | 4.3695% | 1,465 |
| Noninterest income to average assets | 0.9162% | 1,597 |
| Noninterest expense to average assets | 3.0890% | 3,293 |
| Loan and lease loss provision to assets | 0.9618% | 922 |
| Net operating income to assets | 0.5405% | 4,335 |
| Return on assets (ROA) | 0.5856% | 4,259 |
| Pretax return on assets | 0.8891% | 3,657 |
| Return on Equity (ROE) | 6.6467% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.2074% | 2,869 |
| Net charge-offs to loans | 1.0883% | 1,450 |
| Credit loss provision to net charge-offs | 116.9844% | 2,627 |
| Earnings coverage of net charge-offs (x) | 2.1681% | 3,760 |
| Efficiency ratio | 63.4104% | 5,343 |
| Assets per employee ($millions) | 3.4113% | 5,173 |
| Cash dividends to net income (ytd only)* | 21.6545% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0799% | 2,165 |
| Loan loss allowance to noncurrent loans | 130.7646% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 1.5815% | 3,824 |
| Noncurrent loans to loans | 1.5906% | 4,009 |
| Net loans and leases to total assets | 72.5381% | 1,678 |
| Net loans and leases to deposits | 80.3921% | 2,722 |
| Net loans and leases to core deposits | 85.3444% | 3,024 |
| Total domestic deposits to total assets | 90.2304% | 848 |
| Equity capital to assets | 9.0217% | 5,553 |
| Core capital (leverage) ratio | 8.9228% | 4,842 |
| Tier 1 risk-based capital ratio | 12.5422% | 5,305 |
| Total risk-based capital ratio | 13.8039% | 5,272 |
| Memoranda: | ||
| Average total assets | $140,368,330 | 4,020 |
| Average earning assets | $127,062,000 | 4,045 |
| Average equity | $12,367,000 | 4,458 |
| Average total loans | $106,035,670 | 3,541 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 1,482 |
| Cost of funding earning assets | 1.1466% | 3,180 |
| Net interest margin | 4.2818% | 1,617 |
| Noninterest income to average assets | 0.8846% | 1,713 |
| Noninterest expense to average assets | 3.2172% | 2,832 |
| Loan and lease loss provision to assets | 0.7822% | 1,091 |
| Net operating income to assets | 0.5092% | 4,458 |
| Return on assets (ROA) | 0.5092% | 4,537 |
| Pretax return on assets | 0.7623% | 4,044 |
| Return on Equity (ROE) | 5.8490% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.1042% | 4,307 |
| Net charge-offs to loans | 0.7571% | 1,708 |
| Credit loss provision to net charge-offs | 135.4680% | 2,056 |
| Earnings coverage of net charge-offs (x) | 2.6749% | 3,006 |
| Efficiency ratio | 67.5627% | 4,746 |
| Assets per employee ($millions) | 3.5162% | 4,957 |
| Cash dividends to net income (ytd only)* | 46.9274% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 2,433 |
| Loan loss allowance to noncurrent loans | 83.8455% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 2.0071% | 3,309 |
| Noncurrent loans to loans | 2.3805% | 3,110 |
| Net loans and leases to total assets | 74.2913% | 1,305 |
| Net loans and leases to deposits | 82.2018% | 2,328 |
| Net loans and leases to core deposits | 87.2940% | 2,700 |
| Total domestic deposits to total assets | 90.3768% | 915 |
| Equity capital to assets | 8.7466% | 5,581 |
| Core capital (leverage) ratio | 8.7952% | 4,938 |
| Tier 1 risk-based capital ratio | 12.0171% | 5,676 |
| Total risk-based capital ratio | 13.2778% | 5,659 |
| Memoranda: | ||
| Average total assets | $140,621,000 | 4,055 |
| Average earning assets | $127,329,500 | 4,077 |
| Average equity | $12,241,500 | 4,498 |
| Average total loans | $107,249,000 | 3,554 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7124% | 1,526 |
| Cost of funding earning assets | 1.4238% | 3,116 |
| Net interest margin | 4.2886% | 1,861 |
| Noninterest income to average assets | 0.8023% | 2,272 |
| Noninterest expense to average assets | 3.0702% | 3,587 |
| Loan and lease loss provision to assets | 1.2659% | 1,228 |
| Net operating income to assets | 0.2417% | 5,129 |
| Return on assets (ROA) | 0.2449% | 5,275 |
| Pretax return on assets | 0.2805% | 5,285 |
| Return on Equity (ROE) | 2.8092% | 5,032 |
| Retained earnings to average equity (ytd only) | 2.4507% | 4,162 |
| Net charge-offs to loans | 1.0991% | 2,029 |
| Credit loss provision to net charge-offs | 145.6522% | 2,532 |
| Earnings coverage of net charge-offs (x) | 1.7751% | 4,386 |
| Efficiency ratio | 66.5564% | 4,855 |
| Assets per employee ($millions) | 3.5148% | 4,902 |
| Cash dividends to net income (ytd only)* | 12.7596% | 3,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9058% | 2,548 |
| Loan loss allowance to noncurrent loans | 83.6112% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 2.1246% | 3,184 |
| Noncurrent loans to loans | 2.2794% | 3,238 |
| Net loans and leases to total assets | 75.2698% | 1,420 |
| Net loans and leases to deposits | 83.0468% | 2,617 |
| Net loans and leases to core deposits | 88.1610% | 3,030 |
| Total domestic deposits to total assets | 90.6354% | 775 |
| Equity capital to assets | 8.6640% | 5,636 |
| Core capital (leverage) ratio | 8.9177% | 4,664 |
| Tier 1 risk-based capital ratio | 11.6475% | 5,774 |
| Total risk-based capital ratio | 12.9068% | 5,772 |
| Memoranda: | ||
| Average total assets | $137,612,800 | 4,101 |
| Average earning assets | $122,277,600 | 4,182 |
| Average equity | $11,996,400 | 4,606 |
| Average total loans | $108,819,200 | 3,575 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7529% | 1,539 |
| Cost of funding earning assets | 1.4622% | 3,208 |
| Net interest margin | 4.2907% | 1,876 |
| Noninterest income to average assets | 0.7949% | 2,259 |
| Noninterest expense to average assets | 3.0881% | 3,386 |
| Loan and lease loss provision to assets | 1.4534% | 925 |
| Net operating income to assets | 0.0497% | 5,882 |
| Return on assets (ROA) | 0.0545% | 6,009 |
| Pretax return on assets | 0.0545% | 5,995 |
| Return on Equity (ROE) | 0.6248% | 5,984 |
| Retained earnings to average equity (ytd only) | 0.1450% | 5,716 |
| Net charge-offs to loans | 1.4573% | 1,389 |
| Credit loss provision to net charge-offs | 125.1678% | 3,272 |
| Earnings coverage of net charge-offs (x) | 1.2945% | 4,784 |
| Efficiency ratio | 67.2608% | 4,612 |
| Assets per employee ($millions) | 3.3601% | 5,298 |
| Cash dividends to net income (ytd only)* | 76.7881% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 3,273 |
| Loan loss allowance to noncurrent loans | 92.1120% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.8549% | 3,673 |
| Noncurrent loans to loans | 1.8076% | 3,938 |
| Net loans and leases to total assets | 79.5341% | 820 |
| Net loans and leases to deposits | 88.0456% | 2,002 |
| Net loans and leases to core deposits | 93.9176% | 2,534 |
| Total domestic deposits to total assets | 90.3329% | 706 |
| Equity capital to assets | 8.9246% | 5,673 |
| Core capital (leverage) ratio | 8.7527% | 5,099 |
| Tier 1 risk-based capital ratio | 11.3391% | 6,065 |
| Total risk-based capital ratio | 12.5950% | 6,052 |
| Memoranda: | ||
| Average total assets | $136,867,750 | 4,169 |
| Average earning assets | $121,095,250 | 4,259 |
| Average equity | $11,950,250 | 4,692 |
| Average total loans | $109,054,000 | 3,620 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6605% | 1,908 |
| Cost of funding earning assets | 1.4679% | 3,440 |
| Net interest margin | 4.1926% | 2,177 |
| Noninterest income to average assets | 0.7800% | 2,236 |
| Noninterest expense to average assets | 3.1433% | 3,126 |
| Loan and lease loss provision to assets | 1.3683% | 987 |
| Net operating income to assets | -0.0392% | 6,130 |
| Return on assets (ROA) | -0.0320% | 6,210 |
| Pretax return on assets | -0.0320% | 6,182 |
| Return on Equity (ROE) | -0.3687% | 6,228 |
| Retained earnings to average equity (ytd only) | -1.0892% | 5,989 |
| Net charge-offs to loans | 1.5077% | 1,271 |
| Credit loss provision to net charge-offs | 114.4593% | 3,555 |
| Earnings coverage of net charge-offs (x) | 1.1118% | 4,681 |
| Efficiency ratio | 70.2826% | 4,135 |
| Assets per employee ($millions) | 3.3563% | 5,298 |
| Cash dividends to net income (ytd only)* | -195.4545% | 7,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 3,997 |
| Loan loss allowance to noncurrent loans | 64.5404% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 2.2317% | 3,221 |
| Noncurrent loans to loans | 2.3026% | 3,369 |
| Net loans and leases to total assets | 78.4725% | 1,032 |
| Net loans and leases to deposits | 87.9917% | 2,168 |
| Net loans and leases to core deposits | 93.8193% | 2,742 |
| Total domestic deposits to total assets | 89.1817% | 1,333 |
| Equity capital to assets | 8.6476% | 5,947 |
| Core capital (leverage) ratio | 8.5925% | 5,251 |
| Tier 1 risk-based capital ratio | 11.0554% | 6,180 |
| Total risk-based capital ratio | 12.3086% | 6,164 |
| Memoranda: | ||
| Average total assets | $137,689,000 | 4,181 |
| Average earning assets | $121,262,000 | 4,285 |
| Average equity | $11,935,330 | 4,697 |
| Average total loans | $109,169,670 | 3,659 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7206% | 1,700 |
| Cost of funding earning assets | 1.4517% | 3,863 |
| Net interest margin | 4.2690% | 1,788 |
| Noninterest income to average assets | 0.8190% | 1,934 |
| Noninterest expense to average assets | 3.0669% | 3,401 |
| Loan and lease loss provision to assets | 0.9874% | 1,259 |
| Net operating income to assets | 0.3616% | 5,012 |
| Return on assets (ROA) | 0.3717% | 5,094 |
| Pretax return on assets | 0.5286% | 4,861 |
| Return on Equity (ROE) | 4.2834% | 4,766 |
| Retained earnings to average equity (ytd only) | 2.8445% | 4,423 |
| Net charge-offs to loans | 1.0170% | 1,614 |
| Credit loss provision to net charge-offs | 122.7437% | 2,850 |
| Earnings coverage of net charge-offs (x) | 1.8664% | 3,613 |
| Efficiency ratio | 67.1329% | 4,889 |
| Assets per employee ($millions) | 3.2588% | 5,634 |
| Cash dividends to net income (ytd only)* | 33.5938% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 4,250 |
| Loan loss allowance to noncurrent loans | 124.1515% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.6972% | 3,931 |
| Noncurrent loans to loans | 1.1536% | 5,058 |
| Net loans and leases to total assets | 79.0926% | 967 |
| Net loans and leases to deposits | 88.7743% | 2,081 |
| Net loans and leases to core deposits | 94.4163% | 2,782 |
| Total domestic deposits to total assets | 89.0940% | 1,473 |
| Equity capital to assets | 8.7572% | 5,631 |
| Core capital (leverage) ratio | 8.8158% | 4,835 |
| Tier 1 risk-based capital ratio | 11.1237% | 6,034 |
| Total risk-based capital ratio | 12.3762% | 6,000 |
| Memoranda: | ||
| Average total assets | $137,728,500 | 4,233 |
| Average earning assets | $120,965,500 | 4,349 |
| Average equity | $11,953,000 | 4,725 |
| Average total loans | $108,947,000 | 3,708 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9203% | 2,158 |
| Cost of funding earning assets | 1.6858% | 4,589 |
| Net interest margin | 4.2345% | 1,959 |
| Noninterest income to average assets | 0.7656% | 2,584 |
| Noninterest expense to average assets | 3.2129% | 3,331 |
| Loan and lease loss provision to assets | 0.7369% | 2,904 |
| Net operating income to assets | 0.4323% | 3,997 |
| Return on assets (ROA) | 0.4988% | 3,832 |
| Pretax return on assets | 0.6779% | 3,652 |
| Return on Equity (ROE) | 5.6304% | 3,363 |
| Retained earnings to average equity (ytd only) | 2.4825% | 3,405 |
| Net charge-offs to loans | 0.7779% | 2,877 |
| Credit loss provision to net charge-offs | 117.4699% | 4,613 |
| Earnings coverage of net charge-offs (x) | 2.1120% | 4,148 |
| Efficiency ratio | 70.8028% | 4,475 |
| Assets per employee ($millions) | 3.2997% | 5,489 |
| Cash dividends to net income (ytd only)* | 55.9091% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 4,252 |
| Loan loss allowance to noncurrent loans | 120.4147% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.5766% | 4,014 |
| Noncurrent loans to loans | 1.1604% | 5,007 |
| Net loans and leases to total assets | 76.8882% | 1,610 |
| Net loans and leases to deposits | 86.0775% | 2,903 |
| Net loans and leases to core deposits | 110.0011% | 2,897 |
| Total domestic deposits to total assets | 89.3244% | 1,313 |
| Equity capital to assets | 8.6011% | 5,724 |
| Core capital (leverage) ratio | 9.0570% | 4,327 |
| Tier 1 risk-based capital ratio | 11.1586% | 5,767 |
| Total risk-based capital ratio | 12.4108% | 5,722 |
| Memoranda: | ||
| Average total assets | $132,311,200 | 4,294 |
| Average earning assets | $117,866,400 | 4,360 |
| Average equity | $11,722,000 | 4,809 |
| Average total loans | $106,696,800 | 3,761 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9366% | 2,288 |
| Cost of funding earning assets | 1.7649% | 4,557 |
| Net interest margin | 4.1716% | 2,152 |
| Noninterest income to average assets | 0.7648% | 2,624 |
| Noninterest expense to average assets | 3.1665% | 3,417 |
| Loan and lease loss provision to assets | 0.6119% | 2,944 |
| Net operating income to assets | 0.4861% | 4,046 |
| Return on assets (ROA) | 0.5578% | 3,850 |
| Pretax return on assets | 0.8322% | 3,435 |
| Return on Equity (ROE) | 6.2482% | 3,415 |
| Retained earnings to average equity (ytd only) | 2.0332% | 4,183 |
| Net charge-offs to loans | 0.9064% | 2,157 |
| Credit loss provision to net charge-offs | 82.9876% | 5,682 |
| Earnings coverage of net charge-offs (x) | 1.8133% | 4,440 |
| Efficiency ratio | 70.3125% | 4,531 |
| Assets per employee ($millions) | 2.9856% | 6,199 |
| Cash dividends to net income (ytd only)* | 67.4587% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 5,265 |
| Loan loss allowance to noncurrent loans | 172.7399% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 1.3756% | 4,342 |
| Noncurrent loans to loans | 0.6803% | 5,938 |
| Net loans and leases to total assets | 81.3631% | 922 |
| Net loans and leases to deposits | 92.0170% | 2,227 |
| Net loans and leases to core deposits | 117.3205% | 2,488 |
| Total domestic deposits to total assets | 88.4219% | 1,467 |
| Equity capital to assets | 9.2359% | 5,107 |
| Core capital (leverage) ratio | 9.1627% | 4,398 |
| Tier 1 risk-based capital ratio | 11.5078% | 5,420 |
| Total risk-based capital ratio | 12.7225% | 5,399 |
| Memoranda: | ||
| Average total assets | $130,742,250 | 4,360 |
| Average earning assets | $117,169,500 | 4,400 |
| Average equity | $11,672,500 | 4,875 |
| Average total loans | $106,354,250 | 3,815 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8175% | 2,969 |
| Cost of funding earning assets | 1.8090% | 4,716 |
| Net interest margin | 4.0084% | 2,662 |
| Noninterest income to average assets | 0.7664% | 2,611 |
| Noninterest expense to average assets | 3.2008% | 3,338 |
| Loan and lease loss provision to assets | 0.4562% | 3,248 |
| Net operating income to assets | 0.4813% | 4,170 |
| Return on assets (ROA) | 0.5915% | 3,824 |
| Pretax return on assets | 0.8606% | 3,470 |
| Return on Equity (ROE) | 6.7005% | 3,330 |
| Retained earnings to average equity (ytd only) | 0.3445% | 5,082 |
| Net charge-offs to loans | 0.9984% | 1,768 |
| Credit loss provision to net charge-offs | 56.3910% | 5,653 |
| Earnings coverage of net charge-offs (x) | 1.4305% | 4,458 |
| Efficiency ratio | 73.4473% | 4,117 |
| Assets per employee ($millions) | 2.9925% | 6,153 |
| Cash dividends to net income (ytd only)* | 94.8586% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,790 |
| Loan loss allowance to noncurrent loans | 86.8199% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.5228% | 3,940 |
| Noncurrent loans to loans | 1.2313% | 4,749 |
| Net loans and leases to total assets | 79.6307% | 1,372 |
| Net loans and leases to deposits | 90.3396% | 2,782 |
| Net loans and leases to core deposits | 113.1094% | 3,010 |
| Total domestic deposits to total assets | 88.1460% | 1,693 |
| Equity capital to assets | 8.8214% | 5,565 |
| Core capital (leverage) ratio | 8.8417% | 4,874 |
| Tier 1 risk-based capital ratio | 10.9379% | 5,941 |
| Total risk-based capital ratio | 12.0054% | 6,067 |
| Memoranda: | ||
| Average total assets | $131,529,670 | 4,360 |
| Average earning assets | $117,852,000 | 4,417 |
| Average equity | $11,611,000 | 4,917 |
| Average total loans | $106,573,670 | 3,841 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6884% | 3,864 |
| Cost of funding earning assets | 1.8578% | 4,836 |
| Net interest margin | 3.8305% | 3,335 |
| Noninterest income to average assets | 0.8033% | 2,303 |
| Noninterest expense to average assets | 2.9363% | 4,029 |
| Loan and lease loss provision to assets | 0.3651% | 3,129 |
| Net operating income to assets | 0.6651% | 3,731 |
| Return on assets (ROA) | 0.6694% | 3,887 |
| Pretax return on assets | 0.9585% | 3,506 |
| Return on Equity (ROE) | 7.5803% | 3,342 |
| Retained earnings to average equity (ytd only) | -5.1339% | 6,561 |
| Net charge-offs to loans | 0.1385% | 3,852 |
| Credit loss provision to net charge-offs | 324.3243% | 1,529 |
| Earnings coverage of net charge-offs (x) | 11.7027% | 1,860 |
| Efficiency ratio | 69.0272% | 4,771 |
| Assets per employee ($millions) | 3.0003% | 6,148 |
| Cash dividends to net income (ytd only)* | 167.7273% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 3,800 |
| Loan loss allowance to noncurrent loans | 54.7448% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.0036% | 2,900 |
| Noncurrent loans to loans | 2.4660% | 2,674 |
| Net loans and leases to total assets | 80.1510% | 1,355 |
| Net loans and leases to deposits | 91.5160% | 2,692 |
| Net loans and leases to core deposits | 113.6473% | 3,041 |
| Total domestic deposits to total assets | 87.5814% | 1,930 |
| Equity capital to assets | 8.7583% | 5,681 |
| Core capital (leverage) ratio | 8.8339% | 4,934 |
| Tier 1 risk-based capital ratio | 10.5183% | 6,378 |
| Total risk-based capital ratio | 11.7689% | 6,290 |
| Memoranda: | ||
| Average total assets | $131,460,000 | 4,384 |
| Average earning assets | $118,416,500 | 4,422 |
| Average equity | $11,609,000 | 4,952 |
| Average total loans | $106,869,500 | 3,864 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8250% | 1,599 |
| Cost of funding earning assets | 2.3037% | 5,132 |
| Net interest margin | 4.5213% | 1,372 |
| Noninterest income to average assets | 0.8634% | 2,145 |
| Noninterest expense to average assets | 3.1421% | 3,544 |
| Loan and lease loss provision to assets | 0.2736% | 4,210 |
| Net operating income to assets | 1.0533% | 2,338 |
| Return on assets (ROA) | 1.0533% | 2,233 |
| Pretax return on assets | 1.5851% | 1,433 |
| Return on Equity (ROE) | 11.7688% | 1,663 |
| Retained earnings to average equity (ytd only) | 7.7590% | 914 |
| Net charge-offs to loans | 0.3088% | 3,330 |
| Credit loss provision to net charge-offs | 111.4754% | 4,838 |
| Earnings coverage of net charge-offs (x) | 7.5738% | 3,075 |
| Efficiency ratio | 62.8319% | 5,809 |
| Assets per employee ($millions) | 2.9752% | 6,115 |
| Cash dividends to net income (ytd only)* | 34.0718% | 3,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 3,916 |
| Loan loss allowance to noncurrent loans | 64.2655% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.6225% | 3,000 |
| Noncurrent loans to loans | 1.9947% | 2,772 |
| Net loans and leases to total assets | 80.2984% | 1,591 |
| Net loans and leases to deposits | 91.9466% | 3,144 |
| Net loans and leases to core deposits | 114.4841% | 3,281 |
| Total domestic deposits to total assets | 87.3316% | 1,786 |
| Equity capital to assets | 8.9040% | 5,497 |
| Core capital (leverage) ratio | 9.0799% | 4,630 |
| Tier 1 risk-based capital ratio | 10.6949% | 6,007 |
| Total risk-based capital ratio | 11.9454% | 5,913 |
| Memoranda: | ||
| Average total assets | $124,281,200 | 4,412 |
| Average earning assets | $113,728,800 | 4,425 |
| Average equity | $11,122,600 | 5,092 |
| Average total loans | $98,777,600 | 3,979 |