Home > The Commercial Bank of Grayson > Performance and Condition Ratios
The Commercial Bank of Grayson, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 3,731 |
| Cost of funding earning assets | 0.4713% | 4,228 |
| Net interest margin | 3.6725% | 1,808 |
| Noninterest income to average assets | 0.7800% | 987 |
| Noninterest expense to average assets | 3.0173% | 1,106 |
| Loan and lease loss provision to assets | 0.6500% | 123 |
| Net operating income to assets | 0.3251% | 3,992 |
| Return on assets (ROA) | 0.2884% | 4,048 |
| Pretax return on assets | 0.4533% | 3,891 |
| Return on Equity (ROE) | 2.9900% | 4,025 |
| Retained earnings to average equity (ytd only) | -1.3934% | 4,220 |
| Net charge-offs to loans | 0.4494% | 231 |
| Credit loss provision to net charge-offs | 254.8446% | 1,057 |
| Earnings coverage of net charge-offs (x) | 4.4936% | 2,585 |
| Efficiency ratio | 72.3261% | 1,633 |
| Assets per employee ($millions) | 4.5736% | 3,908 |
| Cash dividends to net income (ytd only)* | 146.5798% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,368 |
| Loan loss allowance to noncurrent loans | 61.9219% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.1667% | 382 |
| Noncurrent loans to loans | 1.9194% | 301 |
| Net loans and leases to total assets | 60.0600% | 2,836 |
| Net loans and leases to deposits | 68.1731% | 3,015 |
| Net loans and leases to core deposits | 68.7982% | 3,364 |
| Total domestic deposits to total assets | 88.1100% | 1,309 |
| Equity capital to assets | 9.9200% | 2,053 |
| Core capital (leverage) ratio | 11.8848% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9125% | 802 |
| Memoranda: | ||
| Average total assets | $212,906,000 | 2,889 |
| Average earning assets | $196,458,600 | 2,901 |
| Average equity | $20,525,600 | 2,813 |
| Average total loans | $121,717,600 | 2,935 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 3,786 |
| Cost of funding earning assets | 0.3987% | 4,259 |
| Net interest margin | 3.6378% | 1,906 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 3.0320% | 1,026 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.5752% | 3,616 |
| Return on assets (ROA) | 0.5261% | 3,692 |
| Pretax return on assets | 0.7257% | 3,496 |
| Return on Equity (ROE) | 5.5000% | 3,729 |
| Retained earnings to average equity (ytd only) | -0.4067% | 4,197 |
| Net charge-offs to loans | 0.1071% | 739 |
| Credit loss provision to net charge-offs | 157.2917% | 1,291 |
| Earnings coverage of net charge-offs (x) | 14.6458% | 1,992 |
| Efficiency ratio | 77.4535% | 1,051 |
| Assets per employee ($millions) | 4.5342% | 3,915 |
| Cash dividends to net income (ytd only)* | 107.3986% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 4,255 |
| Loan loss allowance to noncurrent loans | 31.3685% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.1520% | 401 |
| Noncurrent loans to loans | 1.9387% | 322 |
| Net loans and leases to total assets | 58.3600% | 2,998 |
| Net loans and leases to deposits | 65.9293% | 3,130 |
| Net loans and leases to core deposits | 66.5331% | 3,403 |
| Total domestic deposits to total assets | 88.5200% | 1,403 |
| Equity capital to assets | 9.3103% | 2,218 |
| Core capital (leverage) ratio | 12.2796% | 1,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8807% | 830 |
| Memoranda: | ||
| Average total assets | $212,392,750 | 2,900 |
| Average earning assets | $195,275,750 | 2,917 |
| Average equity | $20,326,000 | 2,816 |
| Average total loans | $119,480,000 | 2,966 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 3,842 |
| Cost of funding earning assets | 0.3478% | 4,243 |
| Net interest margin | 3.5662% | 2,111 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 3.0657% | 947 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.4897% | 3,828 |
| Return on assets (ROA) | 0.4167% | 3,981 |
| Pretax return on assets | 0.6410% | 3,721 |
| Return on Equity (ROE) | 4.3100% | 3,984 |
| Retained earnings to average equity (ytd only) | -2.5186% | 4,319 |
| Net charge-offs to loans | 0.1259% | 582 |
| Credit loss provision to net charge-offs | 81.0811% | 1,549 |
| Earnings coverage of net charge-offs (x) | 11.3243% | 1,968 |
| Efficiency ratio | 79.5110% | 871 |
| Assets per employee ($millions) | 4.5340% | 3,928 |
| Cash dividends to net income (ytd only)* | 158.3710% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5733% | 4,326 |
| Loan loss allowance to noncurrent loans | 32.3970% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.0174% | 453 |
| Noncurrent loans to loans | 1.7697% | 344 |
| Net loans and leases to total assets | 56.3100% | 3,098 |
| Net loans and leases to deposits | 63.4683% | 3,229 |
| Net loans and leases to core deposits | 63.8214% | 3,463 |
| Total domestic deposits to total assets | 88.7300% | 1,339 |
| Equity capital to assets | 9.4369% | 2,204 |
| Core capital (leverage) ratio | 12.3106% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1054% | 804 |
| Memoranda: | ||
| Average total assets | $212,154,000 | 2,918 |
| Average earning assets | $194,940,000 | 2,931 |
| Average equity | $20,487,667 | 2,819 |
| Average total loans | $117,594,000 | 2,975 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 3,864 |
| Cost of funding earning assets | 0.3446% | 4,092 |
| Net interest margin | 3.4502% | 2,497 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.1122% | 915 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.3542% | 4,166 |
| Return on assets (ROA) | 0.2079% | 4,314 |
| Pretax return on assets | 0.4271% | 4,091 |
| Return on Equity (ROE) | 2.1300% | 4,287 |
| Retained earnings to average equity (ytd only) | -3.6757% | 4,275 |
| Net charge-offs to loans | 0.1551% | 447 |
| Credit loss provision to net charge-offs | 66.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 7.8667% | 1,742 |
| Efficiency ratio | 82.3088% | 689 |
| Assets per employee ($millions) | 4.3911% | 4,081 |
| Cash dividends to net income (ytd only)* | 272.7273% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5903% | 4,373 |
| Loan loss allowance to noncurrent loans | 60.6860% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 936 |
| Noncurrent loans to loans | 0.9728% | 761 |
| Net loans and leases to total assets | 55.1300% | 3,108 |
| Net loans and leases to deposits | 61.8916% | 3,232 |
| Net loans and leases to core deposits | 62.1435% | 3,441 |
| Total domestic deposits to total assets | 89.0700% | 1,520 |
| Equity capital to assets | 9.9420% | 1,850 |
| Core capital (leverage) ratio | 12.3542% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6581% | 778 |
| Memoranda: | ||
| Average total assets | $211,681,500 | 2,960 |
| Average earning assets | $195,001,500 | 2,962 |
| Average equity | $20,676,500 | 2,829 |
| Average total loans | $116,043,000 | 3,021 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 2,968 |
| Cost of funding earning assets | 0.1401% | 4,176 |
| Net interest margin | 3.4013% | 2,255 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.7172% | 1,516 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.7682% | 3,426 |
| Return on assets (ROA) | 0.7570% | 3,403 |
| Pretax return on assets | 0.9630% | 3,184 |
| Return on Equity (ROE) | 7.5300% | 3,516 |
| Retained earnings to average equity (ytd only) | 1.6248% | 4,070 |
| Net charge-offs to loans | 0.1250% | 622 |
| Credit loss provision to net charge-offs | 51.1278% | 1,814 |
| Earnings coverage of net charge-offs (x) | 16.6015% | 1,974 |
| Efficiency ratio | 72.9379% | 1,340 |
| Assets per employee ($millions) | 4.3386% | 4,119 |
| Cash dividends to net income (ytd only)* | 78.4077% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5425% | 4,402 |
| Loan loss allowance to noncurrent loans | 126.5182% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 1,915 |
| Noncurrent loans to loans | 0.4288% | 1,643 |
| Net loans and leases to total assets | 53.9000% | 3,209 |
| Net loans and leases to deposits | 60.5302% | 3,299 |
| Net loans and leases to core deposits | 60.7742% | 3,464 |
| Total domestic deposits to total assets | 89.0400% | 1,705 |
| Equity capital to assets | 9.5950% | 1,938 |
| Core capital (leverage) ratio | 12.1949% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8003% | 743 |
| Memoranda: | ||
| Average total assets | $219,012,600 | 2,910 |
| Average earning assets | $202,041,600 | 2,914 |
| Average equity | $22,033,000 | 2,770 |
| Average total loans | $106,401,200 | 3,068 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 2,849 |
| Cost of funding earning assets | 0.1258% | 4,069 |
| Net interest margin | 3.2982% | 2,304 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.7069% | 1,452 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.7120% | 3,534 |
| Return on assets (ROA) | 0.7101% | 3,494 |
| Pretax return on assets | 0.8836% | 3,366 |
| Return on Equity (ROE) | 6.9800% | 3,597 |
| Retained earnings to average equity (ytd only) | 1.6338% | 4,108 |
| Net charge-offs to loans | 0.1535% | 426 |
| Credit loss provision to net charge-offs | 46.6667% | 1,536 |
| Earnings coverage of net charge-offs (x) | 12.6833% | 1,907 |
| Efficiency ratio | 74.6376% | 1,215 |
| Assets per employee ($millions) | 4.4618% | 4,082 |
| Cash dividends to net income (ytd only)* | 76.5957% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5596% | 4,413 |
| Loan loss allowance to noncurrent loans | 124.4533% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 1,999 |
| Noncurrent loans to loans | 0.4497% | 1,686 |
| Net loans and leases to total assets | 50.8800% | 3,392 |
| Net loans and leases to deposits | 56.1810% | 3,461 |
| Net loans and leases to core deposits | 56.4696% | 3,602 |
| Total domestic deposits to total assets | 90.5600% | 1,416 |
| Equity capital to assets | 9.1717% | 2,105 |
| Core capital (leverage) ratio | 11.9927% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4327% | 797 |
| Memoranda: | ||
| Average total assets | $220,618,250 | 2,913 |
| Average earning assets | $203,460,500 | 2,928 |
| Average equity | $22,441,750 | 2,779 |
| Average total loans | $104,201,000 | 3,106 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3019% | 2,738 |
| Cost of funding earning assets | 0.1206% | 3,956 |
| Net interest margin | 3.1814% | 2,250 |
| Noninterest income to average assets | 0.5730% | 1,852 |
| Noninterest expense to average assets | 2.7413% | 1,289 |
| Loan and lease loss provision to assets | 0.0217% | 2,211 |
| Net operating income to assets | 0.5721% | 3,702 |
| Return on assets (ROA) | 0.5721% | 3,653 |
| Pretax return on assets | 0.7438% | 3,469 |
| Return on Equity (ROE) | 5.4479% | 3,719 |
| Retained earnings to average equity (ytd only) | 1.1447% | 3,963 |
| Net charge-offs to loans | 0.0846% | 647 |
| Credit loss provision to net charge-offs | 55.8140% | 1,468 |
| Earnings coverage of net charge-offs (x) | 19.6977% | 1,558 |
| Efficiency ratio | 78.1701% | 1,075 |
| Assets per employee ($millions) | 4.4734% | 4,090 |
| Cash dividends to net income (ytd only)* | 78.9889% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6309% | 4,432 |
| Loan loss allowance to noncurrent loans | 143.9914% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 2,175 |
| Noncurrent loans to loans | 0.4381% | 1,810 |
| Net loans and leases to total assets | 48.2180% | 3,532 |
| Net loans and leases to deposits | 53.3407% | 3,585 |
| Net loans and leases to core deposits | 53.6146% | 3,718 |
| Total domestic deposits to total assets | 90.3963% | 1,514 |
| Equity capital to assets | 9.3314% | 2,140 |
| Core capital (leverage) ratio | 11.8602% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8224% | 743 |
| Memoranda: | ||
| Average total assets | $221,281,333 | 2,935 |
| Average earning assets | $204,063,000 | 2,963 |
| Average equity | $23,238,333 | 2,799 |
| Average total loans | $101,647,667 | 3,156 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2343% | 2,587 |
| Cost of funding earning assets | 0.1231% | 3,864 |
| Net interest margin | 3.1111% | 2,135 |
| Noninterest income to average assets | 0.5469% | 1,915 |
| Noninterest expense to average assets | 2.8049% | 1,145 |
| Loan and lease loss provision to assets | 0.0216% | 1,965 |
| Net operating income to assets | 0.4192% | 3,916 |
| Return on assets (ROA) | 0.4192% | 3,880 |
| Pretax return on assets | 0.5847% | 3,678 |
| Return on Equity (ROE) | 3.7839% | 3,931 |
| Retained earnings to average equity (ytd only) | 0.5359% | 3,912 |
| Net charge-offs to loans | 0.1007% | 515 |
| Credit loss provision to net charge-offs | 48.0000% | 1,204 |
| Earnings coverage of net charge-offs (x) | 13.4800% | 1,391 |
| Efficiency ratio | 82.2257% | 967 |
| Assets per employee ($millions) | 4.8770% | 3,861 |
| Cash dividends to net income (ytd only)* | 85.8369% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6815% | 4,417 |
| Loan loss allowance to noncurrent loans | 130.4432% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 2,098 |
| Noncurrent loans to loans | 0.5225% | 1,720 |
| Net loans and leases to total assets | 43.9781% | 3,741 |
| Net loans and leases to deposits | 49.2158% | 3,797 |
| Net loans and leases to core deposits | 49.4650% | 3,902 |
| Total domestic deposits to total assets | 89.3577% | 1,894 |
| Equity capital to assets | 10.3485% | 1,659 |
| Core capital (leverage) ratio | 11.8738% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8029% | 666 |
| Memoranda: | ||
| Average total assets | $222,324,000 | 2,947 |
| Average earning assets | $204,683,500 | 2,970 |
| Average equity | $24,630,500 | 2,796 |
| Average total loans | $99,290,000 | 3,201 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3495% | 3,053 |
| Cost of funding earning assets | 0.1466% | 4,011 |
| Net interest margin | 3.2030% | 2,591 |
| Noninterest income to average assets | 0.5925% | 2,193 |
| Noninterest expense to average assets | 2.6209% | 1,822 |
| Loan and lease loss provision to assets | 0.0148% | 2,786 |
| Net operating income to assets | 0.7408% | 3,515 |
| Return on assets (ROA) | 0.7494% | 3,556 |
| Pretax return on assets | 0.9395% | 3,396 |
| Return on Equity (ROE) | 6.0512% | 3,766 |
| Retained earnings to average equity (ytd only) | 0.0747% | 4,465 |
| Net charge-offs to loans | 0.0664% | 1,127 |
| Credit loss provision to net charge-offs | 50.7937% | 2,129 |
| Earnings coverage of net charge-offs (x) | 32.3810% | 1,554 |
| Efficiency ratio | 73.5271% | 1,363 |
| Assets per employee ($millions) | 4.6874% | 3,976 |
| Cash dividends to net income (ytd only)* | 98.7654% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 4,428 |
| Loan loss allowance to noncurrent loans | 143.1535% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 2,321 |
| Noncurrent loans to loans | 0.4857% | 1,912 |
| Net loans and leases to total assets | 44.7339% | 3,782 |
| Net loans and leases to deposits | 50.9147% | 3,815 |
| Net loans and leases to core deposits | 51.1815% | 3,952 |
| Total domestic deposits to total assets | 87.8606% | 2,120 |
| Equity capital to assets | 11.8221% | 1,334 |
| Core capital (leverage) ratio | 11.9870% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7928% | 572 |
| Memoranda: | ||
| Average total assets | $216,186,000 | 2,937 |
| Average earning assets | $200,595,600 | 2,947 |
| Average equity | $26,771,400 | 2,740 |
| Average total loans | $94,847,800 | 3,264 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2955% | 3,401 |
| Cost of funding earning assets | 0.1460% | 4,146 |
| Net interest margin | 3.1496% | 2,896 |
| Noninterest income to average assets | 0.5912% | 2,247 |
| Noninterest expense to average assets | 2.6572% | 1,689 |
| Loan and lease loss provision to assets | 0.0149% | 2,699 |
| Net operating income to assets | 0.7023% | 3,762 |
| Return on assets (ROA) | 0.7095% | 3,807 |
| Pretax return on assets | 0.8428% | 3,811 |
| Return on Equity (ROE) | 5.6640% | 3,994 |
| Retained earnings to average equity (ytd only) | -0.2721% | 4,596 |
| Net charge-offs to loans | 0.0825% | 850 |
| Credit loss provision to net charge-offs | 41.3793% | 1,912 |
| Earnings coverage of net charge-offs (x) | 23.6207% | 1,663 |
| Efficiency ratio | 75.7865% | 1,049 |
| Assets per employee ($millions) | 4.4873% | 4,133 |
| Cash dividends to net income (ytd only)* | 104.8035% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 4,511 |
| Loan loss allowance to noncurrent loans | 72.3158% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 1,642 |
| Noncurrent loans to loans | 0.9623% | 1,192 |
| Net loans and leases to total assets | 44.5843% | 3,905 |
| Net loans and leases to deposits | 51.1604% | 3,941 |
| Net loans and leases to core deposits | 51.5659% | 4,057 |
| Total domestic deposits to total assets | 87.1462% | 2,295 |
| Equity capital to assets | 12.2299% | 1,297 |
| Core capital (leverage) ratio | 12.0071% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5543% | 566 |
| Memoranda: | ||
| Average total assets | $215,155,750 | 2,979 |
| Average earning assets | $199,133,750 | 2,993 |
| Average equity | $26,953,000 | 2,760 |
| Average total loans | $93,749,250 | 3,323 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2873% | 3,464 |
| Cost of funding earning assets | 0.1516% | 4,196 |
| Net interest margin | 3.1357% | 2,940 |
| Noninterest income to average assets | 0.5956% | 2,234 |
| Noninterest expense to average assets | 2.7165% | 1,545 |
| Loan and lease loss provision to assets | 0.0150% | 2,653 |
| Net operating income to assets | 0.6162% | 3,946 |
| Return on assets (ROA) | 0.6208% | 3,993 |
| Pretax return on assets | 0.7547% | 3,958 |
| Return on Equity (ROE) | 4.9159% | 4,138 |
| Retained earnings to average equity (ytd only) | -1.0158% | 4,605 |
| Net charge-offs to loans | 0.0804% | 867 |
| Credit loss provision to net charge-offs | 43.2432% | 1,642 |
| Earnings coverage of net charge-offs (x) | 22.0541% | 1,496 |
| Efficiency ratio | 78.0468% | 905 |
| Assets per employee ($millions) | 4.4241% | 4,163 |
| Cash dividends to net income (ytd only)* | 120.6637% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 4,480 |
| Loan loss allowance to noncurrent loans | 109.7179% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 2,382 |
| Noncurrent loans to loans | 0.6675% | 1,756 |
| Net loans and leases to total assets | 42.8924% | 4,117 |
| Net loans and leases to deposits | 49.0947% | 4,159 |
| Net loans and leases to core deposits | 49.4801% | 4,255 |
| Total domestic deposits to total assets | 87.3666% | 2,145 |
| Equity capital to assets | 12.0720% | 1,327 |
| Core capital (leverage) ratio | 12.1526% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0132% | 543 |
| Memoranda: | ||
| Average total assets | $213,581,000 | 2,988 |
| Average earning assets | $196,511,000 | 3,014 |
| Average equity | $26,973,667 | 2,739 |
| Average total loans | $92,092,667 | 3,370 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2396% | 3,609 |
| Cost of funding earning assets | 0.1587% | 4,247 |
| Net interest margin | 3.0809% | 3,051 |
| Noninterest income to average assets | 0.5873% | 2,258 |
| Noninterest expense to average assets | 2.8393% | 1,285 |
| Loan and lease loss provision to assets | 0.0153% | 2,583 |
| Net operating income to assets | 0.4105% | 4,343 |
| Return on assets (ROA) | 0.4195% | 4,357 |
| Pretax return on assets | 0.5568% | 4,260 |
| Return on Equity (ROE) | 3.2462% | 4,431 |
| Retained earnings to average equity (ytd only) | -2.6560% | 4,583 |
| Net charge-offs to loans | 0.1107% | 632 |
| Credit loss provision to net charge-offs | 32.0000% | 1,380 |
| Earnings coverage of net charge-offs (x) | 11.7600% | 1,440 |
| Efficiency ratio | 83.5109% | 621 |
| Assets per employee ($millions) | 4.3590% | 4,231 |
| Cash dividends to net income (ytd only)* | 181.8182% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 4,446 |
| Loan loss allowance to noncurrent loans | 89.2269% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 2,320 |
| Noncurrent loans to loans | 0.8703% | 1,550 |
| Net loans and leases to total assets | 42.1160% | 4,229 |
| Net loans and leases to deposits | 48.4119% | 4,249 |
| Net loans and leases to core deposits | 48.7408% | 4,346 |
| Total domestic deposits to total assets | 86.9952% | 2,312 |
| Equity capital to assets | 12.4453% | 1,101 |
| Core capital (leverage) ratio | 12.8285% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5342% | 477 |
| Memoranda: | ||
| Average total assets | $209,768,000 | 3,008 |
| Average earning assets | $191,504,500 | 3,046 |
| Average equity | $27,108,500 | 2,727 |
| Average total loans | $90,348,500 | 3,405 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 2,889 |
| Cost of funding earning assets | 0.2095% | 4,551 |
| Net interest margin | 3.7355% | 1,686 |
| Noninterest income to average assets | 0.5965% | 2,226 |
| Noninterest expense to average assets | 3.0717% | 1,286 |
| Loan and lease loss provision to assets | 0.0167% | 4,168 |
| Net operating income to assets | 0.7746% | 3,187 |
| Return on assets (ROA) | 0.8158% | 3,151 |
| Pretax return on assets | 0.9751% | 3,126 |
| Return on Equity (ROE) | 5.7261% | 3,670 |
| Retained earnings to average equity (ytd only) | 0.5206% | 4,365 |
| Net charge-offs to loans | 0.0661% | 1,836 |
| Credit loss provision to net charge-offs | 54.2373% | 3,120 |
| Earnings coverage of net charge-offs (x) | 30.5932% | 1,589 |
| Efficiency ratio | 76.5157% | 1,170 |
| Assets per employee ($millions) | 3.9605% | 4,403 |
| Cash dividends to net income (ytd only)* | 90.9091% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,424 |
| Loan loss allowance to noncurrent loans | 93.2730% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 2,424 |
| Noncurrent loans to loans | 0.8585% | 1,645 |
| Net loans and leases to total assets | 43.3689% | 4,282 |
| Net loans and leases to deposits | 50.4277% | 4,295 |
| Net loans and leases to core deposits | 50.7870% | 4,392 |
| Total domestic deposits to total assets | 86.0021% | 2,366 |
| Equity capital to assets | 13.4186% | 957 |
| Core capital (leverage) ratio | 13.2840% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5704% | 468 |
| Memoranda: | ||
| Average total assets | $191,458,800 | 3,017 |
| Average earning assets | $175,183,400 | 3,030 |
| Average equity | $27,278,400 | 2,657 |
| Average total loans | $89,252,600 | 3,409 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9796% | 3,032 |
| Cost of funding earning assets | 0.2138% | 4,622 |
| Net interest margin | 3.7659% | 1,721 |
| Noninterest income to average assets | 0.6126% | 2,123 |
| Noninterest expense to average assets | 3.1885% | 1,090 |
| Loan and lease loss provision to assets | 0.0170% | 4,118 |
| Net operating income to assets | 0.7267% | 3,365 |
| Return on assets (ROA) | 0.7673% | 3,336 |
| Pretax return on assets | 0.9199% | 3,326 |
| Return on Equity (ROE) | 5.3010% | 3,792 |
| Retained earnings to average equity (ytd only) | 2.2606% | 3,841 |
| Net charge-offs to loans | 0.0838% | 1,469 |
| Credit loss provision to net charge-offs | 42.8571% | 2,914 |
| Earnings coverage of net charge-offs (x) | 22.3393% | 1,832 |
| Efficiency ratio | 78.2170% | 1,011 |
| Assets per employee ($millions) | 3.6716% | 4,569 |
| Cash dividends to net income (ytd only)* | 57.3543% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 4,422 |
| Loan loss allowance to noncurrent loans | 73.8144% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 2,185 |
| Noncurrent loans to loans | 1.0493% | 1,420 |
| Net loans and leases to total assets | 46.2639% | 4,302 |
| Net loans and leases to deposits | 54.4013% | 4,322 |
| Net loans and leases to core deposits | 54.8607% | 4,417 |
| Total domestic deposits to total assets | 85.0419% | 2,415 |
| Equity capital to assets | 14.2096% | 804 |
| Core capital (leverage) ratio | 13.7082% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6777% | 475 |
| Memoranda: | ||
| Average total assets | $187,837,250 | 3,030 |
| Average earning assets | $172,776,500 | 3,031 |
| Average equity | $27,189,250 | 2,651 |
| Average total loans | $89,056,500 | 3,432 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,367 |
| Cost of funding earning assets | 0.2123% | 4,733 |
| Net interest margin | 3.7721% | 1,909 |
| Noninterest income to average assets | 0.6259% | 2,031 |
| Noninterest expense to average assets | 3.3424% | 932 |
| Loan and lease loss provision to assets | 0.0174% | 4,019 |
| Net operating income to assets | 0.6108% | 3,702 |
| Return on assets (ROA) | 0.6574% | 3,649 |
| Pretax return on assets | 0.8125% | 3,549 |
| Return on Equity (ROE) | 4.5121% | 3,971 |
| Retained earnings to average equity (ytd only) | -0.1042% | 4,325 |
| Net charge-offs to loans | 0.1115% | 1,182 |
| Credit loss provision to net charge-offs | 32.6531% | 2,694 |
| Earnings coverage of net charge-offs (x) | 14.5306% | 1,943 |
| Efficiency ratio | 81.2286% | 799 |
| Assets per employee ($millions) | 3.2583% | 4,762 |
| Cash dividends to net income (ytd only)* | 102.3102% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 4,383 |
| Loan loss allowance to noncurrent loans | 36.3683% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 1,169 |
| Noncurrent loans to loans | 2.1498% | 594 |
| Net loans and leases to total assets | 46.4124% | 4,344 |
| Net loans and leases to deposits | 54.5657% | 4,356 |
| Net loans and leases to core deposits | 54.8663% | 4,469 |
| Total domestic deposits to total assets | 85.0579% | 2,373 |
| Equity capital to assets | 14.1773% | 816 |
| Core capital (leverage) ratio | 13.9125% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5179% | 470 |
| Memoranda: | ||
| Average total assets | $184,360,667 | 3,040 |
| Average earning assets | $170,515,667 | 3,040 |
| Average equity | $26,861,333 | 2,658 |
| Average total loans | $87,928,000 | 3,459 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 3,617 |
| Cost of funding earning assets | 0.2186% | 4,850 |
| Net interest margin | 3.8460% | 1,832 |
| Noninterest income to average assets | 0.6712% | 1,765 |
| Noninterest expense to average assets | 3.6332% | 776 |
| Loan and lease loss provision to assets | 0.0179% | 3,570 |
| Net operating income to assets | 0.4511% | 4,012 |
| Return on assets (ROA) | 0.4900% | 3,975 |
| Pretax return on assets | 0.6510% | 3,808 |
| Return on Equity (ROE) | 3.3139% | 4,139 |
| Retained earnings to average equity (ytd only) | -1.3770% | 4,184 |
| Net charge-offs to loans | 0.1857% | 729 |
| Credit loss provision to net charge-offs | 20.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 6.9250% | 1,958 |
| Efficiency ratio | 85.4287% | 740 |
| Assets per employee ($millions) | 3.3108% | 4,633 |
| Cash dividends to net income (ytd only)* | 141.5525% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 4,321 |
| Loan loss allowance to noncurrent loans | 46.0154% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 1,513 |
| Noncurrent loans to loans | 1.8125% | 825 |
| Net loans and leases to total assets | 47.6175% | 4,357 |
| Net loans and leases to deposits | 56.1772% | 4,360 |
| Net loans and leases to core deposits | 56.3672% | 4,482 |
| Total domestic deposits to total assets | 84.7631% | 2,503 |
| Equity capital to assets | 14.7531% | 821 |
| Core capital (leverage) ratio | 14.7642% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8317% | 398 |
| Memoranda: | ||
| Average total assets | $178,793,500 | 3,058 |
| Average earning assets | $166,511,500 | 3,049 |
| Average equity | $26,434,000 | 2,681 |
| Average total loans | $86,167,500 | 3,480 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1133% | 4,013 |
| Cost of funding earning assets | 0.2215% | 4,914 |
| Net interest margin | 3.8919% | 2,208 |
| Noninterest income to average assets | 0.6753% | 1,901 |
| Noninterest expense to average assets | 3.2918% | 1,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8578% | 3,365 |
| Return on assets (ROA) | 0.8564% | 3,459 |
| Pretax return on assets | 1.0067% | 3,450 |
| Return on Equity (ROE) | 5.9213% | 3,944 |
| Retained earnings to average equity (ytd only) | 1.0513% | 4,367 |
| Net charge-offs to loans | 0.1323% | 1,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 16.5505% | 2,163 |
| Efficiency ratio | 76.5501% | 1,307 |
| Assets per employee ($millions) | 3.4385% | 4,532 |
| Cash dividends to net income (ytd only)* | 82.2454% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 4,106 |
| Loan loss allowance to noncurrent loans | 56.0720% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 1,694 |
| Noncurrent loans to loans | 1.5424% | 928 |
| Net loans and leases to total assets | 47.9514% | 4,431 |
| Net loans and leases to deposits | 56.6353% | 4,435 |
| Net loans and leases to core deposits | 56.8271% | 4,554 |
| Total domestic deposits to total assets | 84.6670% | 2,621 |
| Equity capital to assets | 14.8162% | 840 |
| Core capital (leverage) ratio | 14.5844% | 780 |
| Tier 1 risk-based capital ratio | 24.8489% | 761 |
| Total risk-based capital ratio | 25.5599% | 785 |
| Memoranda: | ||
| Average total assets | $178,896,600 | 3,031 |
| Average earning assets | $166,628,800 | 3,025 |
| Average equity | $25,872,600 | 2,644 |
| Average total loans | $82,403,800 | 3,553 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 4,183 |
| Cost of funding earning assets | 0.2219% | 4,991 |
| Net interest margin | 3.8663% | 2,380 |
| Noninterest income to average assets | 0.6841% | 1,852 |
| Noninterest expense to average assets | 3.2915% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8300% | 3,576 |
| Return on assets (ROA) | 0.8331% | 3,648 |
| Pretax return on assets | 0.9933% | 3,614 |
| Return on Equity (ROE) | 5.7961% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.5150% | 3,650 |
| Net charge-offs to loans | 0.1376% | 1,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 15.8091% | 2,169 |
| Efficiency ratio | 76.8842% | 1,233 |
| Assets per employee ($millions) | 3.4694% | 4,527 |
| Cash dividends to net income (ytd only)* | 39.3558% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 3,957 |
| Loan loss allowance to noncurrent loans | 47.3652% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 1,468 |
| Noncurrent loans to loans | 1.9457% | 706 |
| Net loans and leases to total assets | 46.0648% | 4,593 |
| Net loans and leases to deposits | 54.4433% | 4,608 |
| Net loans and leases to core deposits | 54.6255% | 4,726 |
| Total domestic deposits to total assets | 84.6105% | 2,575 |
| Equity capital to assets | 14.8446% | 890 |
| Core capital (leverage) ratio | 14.9464% | 751 |
| Tier 1 risk-based capital ratio | 25.4365% | 743 |
| Total risk-based capital ratio | 26.1772% | 759 |
| Memoranda: | ||
| Average total assets | $178,919,750 | 3,056 |
| Average earning assets | $166,460,500 | 3,053 |
| Average equity | $25,717,750 | 2,667 |
| Average total loans | $81,383,000 | 3,617 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 4,210 |
| Cost of funding earning assets | 0.2170% | 5,037 |
| Net interest margin | 3.8633% | 2,358 |
| Noninterest income to average assets | 0.6838% | 1,783 |
| Noninterest expense to average assets | 3.3987% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7105% | 3,974 |
| Return on assets (ROA) | 0.6860% | 4,102 |
| Pretax return on assets | 0.8463% | 3,984 |
| Return on Equity (ROE) | 4.8259% | 4,382 |
| Retained earnings to average equity (ytd only) | 1.3563% | 4,332 |
| Net charge-offs to loans | 0.1986% | 831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 9.7750% | 2,318 |
| Efficiency ratio | 79.4966% | 1,012 |
| Assets per employee ($millions) | 3.2268% | 4,754 |
| Cash dividends to net income (ytd only)* | 71.8954% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 3,843 |
| Loan loss allowance to noncurrent loans | 39.1633% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 1,211 |
| Noncurrent loans to loans | 2.4460% | 492 |
| Net loans and leases to total assets | 44.4579% | 4,704 |
| Net loans and leases to deposits | 53.0243% | 4,712 |
| Net loans and leases to core deposits | 53.2030% | 4,798 |
| Total domestic deposits to total assets | 83.8444% | 2,932 |
| Equity capital to assets | 14.5690% | 930 |
| Core capital (leverage) ratio | 14.6088% | 797 |
| Tier 1 risk-based capital ratio | 25.4359% | 717 |
| Total risk-based capital ratio | 26.1949% | 744 |
| Memoranda: | ||
| Average total assets | $178,423,330 | 3,072 |
| Average earning assets | $165,870,670 | 3,074 |
| Average equity | $25,363,330 | 2,683 |
| Average total loans | $80,551,330 | 3,651 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 4,143 |
| Cost of funding earning assets | 0.2190% | 5,071 |
| Net interest margin | 3.8740% | 2,269 |
| Noninterest income to average assets | 0.6836% | 1,672 |
| Noninterest expense to average assets | 3.5739% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5288% | 4,435 |
| Return on assets (ROA) | 0.4896% | 4,571 |
| Pretax return on assets | 0.6521% | 4,410 |
| Return on Equity (ROE) | 3.4885% | 4,680 |
| Retained earnings to average equity (ytd only) | -0.3697% | 4,582 |
| Net charge-offs to loans | 0.0947% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 16.3684% | 1,699 |
| Efficiency ratio | 83.5884% | 741 |
| Assets per employee ($millions) | 3.0787% | 4,934 |
| Cash dividends to net income (ytd only)* | 110.5991% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 3,479 |
| Loan loss allowance to noncurrent loans | 61.8450% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 1,856 |
| Noncurrent loans to loans | 1.6788% | 926 |
| Net loans and leases to total assets | 44.7324% | 4,713 |
| Net loans and leases to deposits | 52.3095% | 4,745 |
| Net loans and leases to core deposits | 52.4841% | 4,827 |
| Total domestic deposits to total assets | 85.5148% | 2,477 |
| Equity capital to assets | 14.1251% | 995 |
| Core capital (leverage) ratio | 14.7515% | 753 |
| Tier 1 risk-based capital ratio | 25.5537% | 722 |
| Total risk-based capital ratio | 26.3822% | 735 |
| Memoranda: | ||
| Average total assets | $177,285,500 | 3,116 |
| Average earning assets | $164,376,500 | 3,122 |
| Average equity | $24,882,000 | 2,730 |
| Average total loans | $80,271,000 | 3,688 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 4,051 |
| Cost of funding earning assets | 0.1627% | 5,140 |
| Net interest margin | 3.8304% | 2,557 |
| Noninterest income to average assets | 0.6902% | 1,887 |
| Noninterest expense to average assets | 3.2728% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8539% | 3,597 |
| Return on assets (ROA) | 0.7907% | 3,839 |
| Pretax return on assets | 0.9252% | 3,832 |
| Return on Equity (ROE) | 5.6887% | 4,270 |
| Retained earnings to average equity (ytd only) | 0.8086% | 4,773 |
| Net charge-offs to loans | 0.0418% | 2,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 55.0313% | 1,078 |
| Efficiency ratio | 76.6042% | 1,285 |
| Assets per employee ($millions) | 3.0879% | 4,934 |
| Cash dividends to net income (ytd only)* | 85.7861% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,250 |
| Loan loss allowance to noncurrent loans | 63.3407% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 1,817 |
| Noncurrent loans to loans | 1.6949% | 858 |
| Net loans and leases to total assets | 44.8682% | 4,786 |
| Net loans and leases to deposits | 52.9445% | 4,789 |
| Net loans and leases to core deposits | 53.0362% | 4,875 |
| Total domestic deposits to total assets | 84.7457% | 2,750 |
| Equity capital to assets | 13.9436% | 990 |
| Core capital (leverage) ratio | 14.5378% | 788 |
| Tier 1 risk-based capital ratio | 25.5088% | 707 |
| Total risk-based capital ratio | 26.3539% | 718 |
| Memoranda: | ||
| Average total assets | $176,177,000 | 3,096 |
| Average earning assets | $164,760,000 | 3,087 |
| Average equity | $24,487,000 | 2,681 |
| Average total loans | $76,481,800 | 3,741 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 4,166 |
| Cost of funding earning assets | 0.1472% | 5,229 |
| Net interest margin | 3.7724% | 2,744 |
| Noninterest income to average assets | 0.6999% | 1,862 |
| Noninterest expense to average assets | 3.2572% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7532% | 4,067 |
| Return on assets (ROA) | 0.6749% | 4,316 |
| Pretax return on assets | 0.8724% | 4,112 |
| Return on Equity (ROE) | 4.8596% | 4,608 |
| Retained earnings to average equity (ytd only) | 1.9177% | 4,605 |
| Net charge-offs to loans | 0.0405% | 2,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 55.8187% | 1,102 |
| Efficiency ratio | 77.0263% | 1,223 |
| Assets per employee ($millions) | 3.0744% | 4,982 |
| Cash dividends to net income (ytd only)* | 60.5381% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 3,221 |
| Loan loss allowance to noncurrent loans | 74.7841% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 2,244 |
| Noncurrent loans to loans | 1.4653% | 1,111 |
| Net loans and leases to total assets | 43.8332% | 4,889 |
| Net loans and leases to deposits | 50.9700% | 4,920 |
| Net loans and leases to core deposits | 51.0556% | 4,992 |
| Total domestic deposits to total assets | 85.9980% | 2,193 |
| Equity capital to assets | 13.6313% | 1,086 |
| Core capital (leverage) ratio | 14.6965% | 777 |
| Tier 1 risk-based capital ratio | 25.6665% | 700 |
| Total risk-based capital ratio | 26.5207% | 714 |
| Memoranda: | ||
| Average total assets | $176,219,000 | 3,112 |
| Average earning assets | $164,842,750 | 3,099 |
| Average equity | $24,473,250 | 2,695 |
| Average total loans | $75,645,000 | 3,795 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 4,162 |
| Cost of funding earning assets | 0.1471% | 5,258 |
| Net interest margin | 3.7207% | 2,856 |
| Noninterest income to average assets | 0.6951% | 1,886 |
| Noninterest expense to average assets | 3.1233% | 1,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8407% | 3,717 |
| Return on assets (ROA) | 0.7327% | 4,091 |
| Pretax return on assets | 0.9218% | 3,902 |
| Return on Equity (ROE) | 5.2428% | 4,477 |
| Retained earnings to average equity (ytd only) | 2.0629% | 4,436 |
| Net charge-offs to loans | 0.0590% | 1,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 42.2273% | 1,254 |
| Efficiency ratio | 74.6866% | 1,610 |
| Assets per employee ($millions) | 3.0390% | 5,073 |
| Cash dividends to net income (ytd only)* | 60.6532% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,162 |
| Loan loss allowance to noncurrent loans | 122.1127% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 3,097 |
| Noncurrent loans to loans | 0.9147% | 1,891 |
| Net loans and leases to total assets | 43.5451% | 4,927 |
| Net loans and leases to deposits | 50.6577% | 4,959 |
| Net loans and leases to core deposits | 50.7438% | 5,026 |
| Total domestic deposits to total assets | 85.9595% | 2,299 |
| Equity capital to assets | 13.8159% | 980 |
| Core capital (leverage) ratio | 14.6622% | 740 |
| Tier 1 risk-based capital ratio | 25.8787% | 683 |
| Total risk-based capital ratio | 26.7443% | 686 |
| Memoranda: | ||
| Average total assets | $175,519,670 | 3,141 |
| Average earning assets | $164,483,330 | 3,125 |
| Average equity | $24,528,670 | 2,697 |
| Average total loans | $74,517,330 | 3,838 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 4,298 |
| Cost of funding earning assets | 0.1436% | 5,297 |
| Net interest margin | 3.6276% | 3,078 |
| Noninterest income to average assets | 0.6874% | 1,889 |
| Noninterest expense to average assets | 3.2909% | 1,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5987% | 4,430 |
| Return on assets (ROA) | 0.4453% | 4,829 |
| Pretax return on assets | 0.6052% | 4,671 |
| Return on Equity (ROE) | 3.1685% | 4,982 |
| Retained earnings to average equity (ytd only) | -0.4062% | 4,849 |
| Net charge-offs to loans | 0.0658% | 1,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 29.1667% | 1,253 |
| Efficiency ratio | 80.4578% | 1,092 |
| Assets per employee ($millions) | 2.9587% | 5,177 |
| Cash dividends to net income (ytd only)* | 112.8205% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,873 |
| Loan loss allowance to noncurrent loans | 74.1336% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 2,280 |
| Noncurrent loans to loans | 1.6044% | 1,084 |
| Net loans and leases to total assets | 41.7363% | 4,990 |
| Net loans and leases to deposits | 48.6187% | 5,021 |
| Net loans and leases to core deposits | 48.7022% | 5,079 |
| Total domestic deposits to total assets | 85.8442% | 2,613 |
| Equity capital to assets | 13.8201% | 939 |
| Core capital (leverage) ratio | 14.7018% | 714 |
| Tier 1 risk-based capital ratio | 26.1095% | 675 |
| Total risk-based capital ratio | 27.0024% | 686 |
| Memoranda: | ||
| Average total assets | $175,149,000 | 3,188 |
| Average earning assets | $164,296,000 | 3,157 |
| Average equity | $24,617,000 | 2,714 |
| Average total loans | $72,966,000 | 3,910 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8142% | 4,002 |
| Cost of funding earning assets | 0.1015% | 5,492 |
| Net interest margin | 3.7128% | 2,747 |
| Noninterest income to average assets | 0.6796% | 2,053 |
| Noninterest expense to average assets | 3.1865% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7049% | 3,580 |
| Return on assets (ROA) | 0.7124% | 3,598 |
| Pretax return on assets | 0.9190% | 3,846 |
| Return on Equity (ROE) | 4.9447% | 4,181 |
| Retained earnings to average equity (ytd only) | -0.0079% | 5,020 |
| Net charge-offs to loans | 0.1316% | 1,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 16.9158% | 2,151 |
| Efficiency ratio | 77.7977% | 1,384 |
| Assets per employee ($millions) | 2.9785% | 5,212 |
| Cash dividends to net income (ytd only)* | 100.1589% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2313% | 2,591 |
| Loan loss allowance to noncurrent loans | 57.6898% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 1,767 |
| Noncurrent loans to loans | 2.1344% | 698 |
| Net loans and leases to total assets | 40.5780% | 5,109 |
| Net loans and leases to deposits | 47.7376% | 5,133 |
| Net loans and leases to core deposits | 47.8199% | 5,195 |
| Total domestic deposits to total assets | 85.0022% | 2,834 |
| Equity capital to assets | 14.2882% | 835 |
| Core capital (leverage) ratio | 14.4139% | 747 |
| Tier 1 risk-based capital ratio | 26.1475% | 654 |
| Total risk-based capital ratio | 27.0564% | 663 |
| Memoranda: | ||
| Average total assets | $176,716,600 | 3,162 |
| Average earning assets | $162,600,800 | 3,166 |
| Average equity | $25,461,400 | 2,645 |
| Average total loans | $72,198,200 | 3,912 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 3,981 |
| Cost of funding earning assets | 0.0946% | 5,574 |
| Net interest margin | 3.7138% | 2,702 |
| Noninterest income to average assets | 0.6660% | 2,141 |
| Noninterest expense to average assets | 3.1652% | 1,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7010% | 3,975 |
| Return on assets (ROA) | 0.7075% | 4,006 |
| Pretax return on assets | 0.9102% | 4,008 |
| Return on Equity (ROE) | 4.9002% | 4,564 |
| Retained earnings to average equity (ytd only) | 1.7169% | 4,737 |
| Net charge-offs to loans | 0.1293% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 17.1002% | 2,121 |
| Efficiency ratio | 77.8251% | 1,353 |
| Assets per employee ($millions) | 3.0167% | 5,254 |
| Cash dividends to net income (ytd only)* | 64.9624% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,598 |
| Loan loss allowance to noncurrent loans | 61.0554% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8467% | 2,031 |
| Noncurrent loans to loans | 2.0596% | 822 |
| Net loans and leases to total assets | 40.3226% | 5,186 |
| Net loans and leases to deposits | 47.5018% | 5,206 |
| Net loans and leases to core deposits | 47.5827% | 5,267 |
| Total domestic deposits to total assets | 84.8865% | 2,757 |
| Equity capital to assets | 14.5657% | 840 |
| Core capital (leverage) ratio | 14.8528% | 689 |
| Tier 1 risk-based capital ratio | 25.9915% | 677 |
| Total risk-based capital ratio | 26.9085% | 690 |
| Memoranda: | ||
| Average total assets | $176,962,500 | 3,185 |
| Average earning assets | $162,058,750 | 3,203 |
| Average equity | $25,549,500 | 2,659 |
| Average total loans | $72,198,250 | 3,943 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 4,059 |
| Cost of funding earning assets | 0.0830% | 5,647 |
| Net interest margin | 3.6713% | 2,751 |
| Noninterest income to average assets | 0.6704% | 2,125 |
| Noninterest expense to average assets | 3.1389% | 1,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6880% | 3,899 |
| Return on assets (ROA) | 0.6862% | 3,969 |
| Pretax return on assets | 0.8832% | 3,983 |
| Return on Equity (ROE) | 4.7671% | 4,583 |
| Retained earnings to average equity (ytd only) | 1.2665% | 4,744 |
| Net charge-offs to loans | 0.0972% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 22.3429% | 1,713 |
| Efficiency ratio | 77.9966% | 1,464 |
| Assets per employee ($millions) | 2.8780% | 5,374 |
| Cash dividends to net income (ytd only)* | 73.4323% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 2,393 |
| Loan loss allowance to noncurrent loans | 309.1205% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 4,500 |
| Noncurrent loans to loans | 0.4217% | 3,509 |
| Net loans and leases to total assets | 40.2711% | 5,217 |
| Net loans and leases to deposits | 47.3397% | 5,235 |
| Net loans and leases to core deposits | 47.4200% | 5,302 |
| Total domestic deposits to total assets | 85.0683% | 2,782 |
| Equity capital to assets | 14.4687% | 835 |
| Core capital (leverage) ratio | 14.8051% | 679 |
| Tier 1 risk-based capital ratio | 26.2661% | 657 |
| Total risk-based capital ratio | 27.2345% | 660 |
| Memoranda: | ||
| Average total assets | $176,621,000 | 3,199 |
| Average earning assets | $161,360,670 | 3,220 |
| Average equity | $25,424,330 | 2,674 |
| Average total loans | $72,036,670 | 3,974 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 3,943 |
| Cost of funding earning assets | 0.0821% | 5,711 |
| Net interest margin | 3.6657% | 2,627 |
| Noninterest income to average assets | 0.6738% | 2,067 |
| Noninterest expense to average assets | 3.1346% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6854% | 3,764 |
| Return on assets (ROA) | 0.6784% | 3,836 |
| Pretax return on assets | 0.8855% | 3,821 |
| Return on Equity (ROE) | 4.7249% | 4,508 |
| Retained earnings to average equity (ytd only) | 0.2854% | 4,848 |
| Net charge-offs to loans | 0.1005% | 1,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 21.8333% | 1,438 |
| Efficiency ratio | 77.7966% | 1,657 |
| Assets per employee ($millions) | 2.8722% | 5,447 |
| Cash dividends to net income (ytd only)* | 93.9597% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,313 |
| Loan loss allowance to noncurrent loans | 389.5161% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 4,573 |
| Noncurrent loans to loans | 0.3462% | 3,860 |
| Net loans and leases to total assets | 39.6879% | 5,258 |
| Net loans and leases to deposits | 46.4655% | 5,284 |
| Net loans and leases to core deposits | 46.5442% | 5,351 |
| Total domestic deposits to total assets | 85.4136% | 2,915 |
| Equity capital to assets | 14.2090% | 846 |
| Core capital (leverage) ratio | 14.8502% | 635 |
| Tier 1 risk-based capital ratio | 26.0381% | 684 |
| Total risk-based capital ratio | 27.0207% | 686 |
| Memoranda: | ||
| Average total assets | $175,715,000 | 3,238 |
| Average earning assets | $160,841,000 | 3,254 |
| Average equity | $25,228,000 | 2,697 |
| Average total loans | $71,652,000 | 4,014 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,009 |
| Cost of funding earning assets | 0.0823% | 5,770 |
| Net interest margin | 3.6824% | 2,769 |
| Noninterest income to average assets | 0.6322% | 2,492 |
| Noninterest expense to average assets | 3.2059% | 1,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6605% | 3,950 |
| Return on assets (ROA) | 0.7094% | 3,861 |
| Pretax return on assets | 0.8620% | 3,967 |
| Return on Equity (ROE) | 4.8148% | 4,507 |
| Retained earnings to average equity (ytd only) | 0.8859% | 4,967 |
| Net charge-offs to loans | 0.1335% | 1,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 14.8842% | 2,256 |
| Efficiency ratio | 79.9802% | 1,423 |
| Assets per employee ($millions) | 2.7960% | 5,490 |
| Cash dividends to net income (ytd only)* | 81.6000% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 2,206 |
| Loan loss allowance to noncurrent loans | 248.4848% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 4,255 |
| Noncurrent loans to loans | 0.5526% | 3,188 |
| Net loans and leases to total assets | 40.7717% | 5,282 |
| Net loans and leases to deposits | 47.8803% | 5,308 |
| Net loans and leases to core deposits | 47.9638% | 5,370 |
| Total domestic deposits to total assets | 85.1534% | 2,977 |
| Equity capital to assets | 14.5097% | 730 |
| Core capital (leverage) ratio | 14.8226% | 628 |
| Tier 1 risk-based capital ratio | 26.3215% | 670 |
| Total risk-based capital ratio | 27.3341% | 674 |
| Memoranda: | ||
| Average total assets | $176,209,000 | 3,205 |
| Average earning assets | $161,550,200 | 3,210 |
| Average equity | $25,961,400 | 2,638 |
| Average total loans | $71,156,200 | 4,023 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7432% | 4,107 |
| Cost of funding earning assets | 0.0822% | 5,835 |
| Net interest margin | 3.6610% | 2,854 |
| Noninterest income to average assets | 0.6406% | 2,473 |
| Noninterest expense to average assets | 3.1870% | 1,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6576% | 4,043 |
| Return on assets (ROA) | 0.6978% | 3,988 |
| Pretax return on assets | 0.8591% | 4,125 |
| Return on Equity (ROE) | 4.7189% | 4,630 |
| Retained earnings to average equity (ytd only) | 3.1901% | 3,999 |
| Net charge-offs to loans | 0.0770% | 2,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 26.1928% | 1,607 |
| Efficiency ratio | 79.7473% | 1,464 |
| Assets per employee ($millions) | 2.8013% | 5,550 |
| Cash dividends to net income (ytd only)* | 32.3973% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 1,881 |
| Loan loss allowance to noncurrent loans | 213.5802% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,327 |
| Noncurrent loans to loans | 0.6890% | 2,972 |
| Net loans and leases to total assets | 39.3819% | 5,413 |
| Net loans and leases to deposits | 46.9082% | 5,414 |
| Net loans and leases to core deposits | 46.9894% | 5,479 |
| Total domestic deposits to total assets | 83.9553% | 3,222 |
| Equity capital to assets | 15.1081% | 710 |
| Core capital (leverage) ratio | 15.0066% | 632 |
| Tier 1 risk-based capital ratio | 27.0621% | 635 |
| Total risk-based capital ratio | 28.1435% | 629 |
| Memoranda: | ||
| Average total assets | $176,923,000 | 3,214 |
| Average earning assets | $162,175,250 | 3,214 |
| Average equity | $26,163,500 | 2,644 |
| Average total loans | $71,029,500 | 4,047 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,144 |
| Cost of funding earning assets | 0.0803% | 5,924 |
| Net interest margin | 3.6641% | 2,844 |
| Noninterest income to average assets | 0.6393% | 2,421 |
| Noninterest expense to average assets | 3.1852% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6572% | 4,011 |
| Return on assets (ROA) | 0.6924% | 3,979 |
| Pretax return on assets | 0.8460% | 4,137 |
| Return on Equity (ROE) | 4.7159% | 4,641 |
| Retained earnings to average equity (ytd only) | 3.5619% | 3,625 |
| Net charge-offs to loans | 0.0843% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 23.7000% | 1,582 |
| Efficiency ratio | 79.8641% | 1,508 |
| Assets per employee ($millions) | 3.0185% | 5,407 |
| Cash dividends to net income (ytd only)* | 24.4698% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,954 |
| Loan loss allowance to noncurrent loans | 52.0079% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 1,864 |
| Noncurrent loans to loans | 2.8413% | 544 |
| Net loans and leases to total assets | 39.2718% | 5,457 |
| Net loans and leases to deposits | 46.5664% | 5,482 |
| Net loans and leases to core deposits | 46.6459% | 5,545 |
| Total domestic deposits to total assets | 84.3351% | 3,145 |
| Equity capital to assets | 14.9299% | 744 |
| Core capital (leverage) ratio | 14.9042% | 628 |
| Tier 1 risk-based capital ratio | 26.5035% | 690 |
| Total risk-based capital ratio | 27.5806% | 689 |
| Memoranda: | ||
| Average total assets | $177,070,000 | 3,224 |
| Average earning assets | $161,840,000 | 3,244 |
| Average equity | $25,997,000 | 2,666 |
| Average total loans | $71,192,670 | 4,062 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7698% | 4,061 |
| Cost of funding earning assets | 0.0791% | 5,990 |
| Net interest margin | 3.6907% | 2,704 |
| Noninterest income to average assets | 0.6253% | 2,386 |
| Noninterest expense to average assets | 3.2533% | 1,713 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6192% | 4,099 |
| Return on assets (ROA) | 0.5709% | 4,426 |
| Pretax return on assets | 0.6978% | 4,538 |
| Return on Equity (ROE) | 3.9220% | 4,917 |
| Retained earnings to average equity (ytd only) | 3.9220% | 3,535 |
| Net charge-offs to loans | 0.1010% | 1,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 18.5556% | 1,538 |
| Efficiency ratio | 81.1299% | 1,468 |
| Assets per employee ($millions) | 3.0770% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 2,038 |
| Loan loss allowance to noncurrent loans | 328.4830% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 4,838 |
| Noncurrent loans to loans | 0.4533% | 3,820 |
| Net loans and leases to total assets | 39.3309% | 5,493 |
| Net loans and leases to deposits | 46.4129% | 5,493 |
| Net loans and leases to core deposits | 46.7648% | 5,559 |
| Total domestic deposits to total assets | 84.7412% | 3,231 |
| Equity capital to assets | 14.6172% | 803 |
| Core capital (leverage) ratio | 14.8108% | 640 |
| Tier 1 risk-based capital ratio | 26.2817% | 719 |
| Total risk-based capital ratio | 27.3709% | 710 |
| Memoranda: | ||
| Average total assets | $176,559,000 | 3,243 |
| Average earning assets | $161,918,500 | 3,259 |
| Average equity | $25,701,000 | 2,687 |
| Average total loans | $71,294,500 | 4,086 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 4,150 |
| Cost of funding earning assets | 0.0807% | 6,031 |
| Net interest margin | 3.6844% | 2,806 |
| Noninterest income to average assets | 0.6562% | 2,431 |
| Noninterest expense to average assets | 3.2079% | 1,950 |
| Loan and lease loss provision to assets | 0.0029% | 4,331 |
| Net operating income to assets | 0.6150% | 4,200 |
| Return on assets (ROA) | 0.6371% | 4,184 |
| Pretax return on assets | 0.8668% | 3,967 |
| Return on Equity (ROE) | 4.2633% | 4,826 |
| Retained earnings to average equity (ytd only) | -0.4543% | 5,583 |
| Net charge-offs to loans | 0.1268% | 2,110 |
| Credit loss provision to net charge-offs | 5.6818% | 3,855 |
| Earnings coverage of net charge-offs (x) | 16.4432% | 2,129 |
| Efficiency ratio | 79.2575% | 1,786 |
| Assets per employee ($millions) | 2.9108% | 5,604 |
| Cash dividends to net income (ytd only)* | 110.6557% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 1,945 |
| Loan loss allowance to noncurrent loans | 265.7635% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 4,668 |
| Noncurrent loans to loans | 0.5691% | 3,468 |
| Net loans and leases to total assets | 40.2267% | 5,497 |
| Net loans and leases to deposits | 47.3679% | 5,505 |
| Net loans and leases to core deposits | 47.7338% | 5,574 |
| Total domestic deposits to total assets | 84.9241% | 3,128 |
| Equity capital to assets | 14.4947% | 773 |
| Core capital (leverage) ratio | 14.6591% | 678 |
| Tier 1 risk-based capital ratio | 26.3904% | 716 |
| Total risk-based capital ratio | 27.5137% | 702 |
| Memoranda: | ||
| Average total assets | $172,353,800 | 3,269 |
| Average earning assets | $158,640,000 | 3,270 |
| Average equity | $25,754,400 | 2,637 |
| Average total loans | $69,402,200 | 4,106 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,234 |
| Cost of funding earning assets | 0.0811% | 6,117 |
| Net interest margin | 3.6768% | 2,860 |
| Noninterest income to average assets | 0.6520% | 2,469 |
| Noninterest expense to average assets | 3.2312% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6124% | 4,319 |
| Return on assets (ROA) | 0.6248% | 4,373 |
| Pretax return on assets | 0.8173% | 4,284 |
| Return on Equity (ROE) | 4.1498% | 4,974 |
| Retained earnings to average equity (ytd only) | 1.5723% | 5,079 |
| Net charge-offs to loans | 0.1490% | 1,646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 13.4032% | 2,334 |
| Efficiency ratio | 80.1347% | 1,645 |
| Assets per employee ($millions) | 2.7916% | 5,764 |
| Cash dividends to net income (ytd only)* | 62.1116% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 2,048 |
| Loan loss allowance to noncurrent loans | 269.2308% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 4,830 |
| Noncurrent loans to loans | 0.5666% | 3,637 |
| Net loans and leases to total assets | 40.4673% | 5,568 |
| Net loans and leases to deposits | 48.0490% | 5,562 |
| Net loans and leases to core deposits | 48.3408% | 5,642 |
| Total domestic deposits to total assets | 84.2210% | 3,332 |
| Equity capital to assets | 15.0822% | 722 |
| Core capital (leverage) ratio | 14.9260% | 649 |
| Tier 1 risk-based capital ratio | 27.0189% | 683 |
| Total risk-based capital ratio | 28.1564% | 673 |
| Memoranda: | ||
| Average total assets | $171,779,750 | 3,301 |
| Average earning assets | $157,923,500 | 3,314 |
| Average equity | $25,864,250 | 2,650 |
| Average total loans | $68,919,000 | 4,159 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7246% | 4,338 |
| Cost of funding earning assets | 0.0828% | 6,188 |
| Net interest margin | 3.6419% | 2,937 |
| Noninterest income to average assets | 0.6350% | 2,555 |
| Noninterest expense to average assets | 3.2554% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5622% | 4,510 |
| Return on assets (ROA) | 0.5813% | 4,524 |
| Pretax return on assets | 0.7424% | 4,518 |
| Return on Equity (ROE) | 3.8628% | 5,070 |
| Retained earnings to average equity (ytd only) | 1.5358% | 4,930 |
| Net charge-offs to loans | 0.0851% | 2,189 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 21.2069% | 1,681 |
| Efficiency ratio | 81.9330% | 1,499 |
| Assets per employee ($millions) | 2.8286% | 5,790 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 1,796 |
| Loan loss allowance to noncurrent loans | 311.2637% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 5,039 |
| Noncurrent loans to loans | 0.5260% | 3,879 |
| Net loans and leases to total assets | 38.8146% | 5,699 |
| Net loans and leases to deposits | 45.9355% | 5,682 |
| Net loans and leases to core deposits | 46.2102% | 5,756 |
| Total domestic deposits to total assets | 84.4981% | 3,348 |
| Equity capital to assets | 14.7213% | 766 |
| Core capital (leverage) ratio | 15.1101% | 596 |
| Tier 1 risk-based capital ratio | 27.0925% | 701 |
| Total risk-based capital ratio | 28.2885% | 692 |
| Memoranda: | ||
| Average total assets | $171,347,000 | 3,323 |
| Average earning assets | $157,062,330 | 3,345 |
| Average equity | $25,784,330 | 2,667 |
| Average total loans | $68,183,670 | 4,208 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 4,283 |
| Cost of funding earning assets | 0.0828% | 6,257 |
| Net interest margin | 3.6410% | 2,854 |
| Noninterest income to average assets | 0.6118% | 2,588 |
| Noninterest expense to average assets | 3.3449% | 1,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4778% | 4,771 |
| Return on assets (ROA) | 0.5008% | 4,803 |
| Pretax return on assets | 0.6189% | 4,862 |
| Return on Equity (ROE) | 3.2909% | 5,257 |
| Retained earnings to average equity (ytd only) | 0.9624% | 5,081 |
| Net charge-offs to loans | 0.0887% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,558 |
| Efficiency ratio | 84.9940% | 1,271 |
| Assets per employee ($millions) | 2.7905% | 5,894 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 1,793 |
| Loan loss allowance to noncurrent loans | 554.1063% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 5,472 |
| Noncurrent loans to loans | 0.3029% | 4,704 |
| Net loans and leases to total assets | 39.4796% | 5,628 |
| Net loans and leases to deposits | 46.8898% | 5,626 |
| Net loans and leases to core deposits | 47.1795% | 5,710 |
| Total domestic deposits to total assets | 84.1965% | 3,742 |
| Equity capital to assets | 15.2189% | 675 |
| Core capital (leverage) ratio | 15.3091% | 565 |
| Tier 1 risk-based capital ratio | 27.3030% | 692 |
| Total risk-based capital ratio | 28.5297% | 674 |
| Memoranda: | ||
| Average total assets | $169,334,500 | 3,376 |
| Average earning assets | $154,571,000 | 3,399 |
| Average equity | $25,768,000 | 2,685 |
| Average total loans | $67,674,000 | 4,241 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 4,374 |
| Cost of funding earning assets | 0.0916% | 6,349 |
| Net interest margin | 3.7432% | 2,837 |
| Noninterest income to average assets | 0.6148% | 2,771 |
| Noninterest expense to average assets | 3.4607% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4424% | 5,052 |
| Return on assets (ROA) | 0.4675% | 5,034 |
| Pretax return on assets | 0.5647% | 5,057 |
| Return on Equity (ROE) | 2.9935% | 5,480 |
| Retained earnings to average equity (ytd only) | -0.4873% | 5,847 |
| Net charge-offs to loans | 0.0424% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 31.6071% | 1,286 |
| Efficiency ratio | 86.6213% | 1,105 |
| Assets per employee ($millions) | 2.7614% | 5,971 |
| Cash dividends to net income (ytd only)* | 116.2791% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7344% | 1,692 |
| Loan loss allowance to noncurrent loans | 275.3555% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 5,024 |
| Noncurrent loans to loans | 0.6299% | 3,803 |
| Net loans and leases to total assets | 39.0841% | 5,796 |
| Net loans and leases to deposits | 46.4291% | 5,776 |
| Net loans and leases to core deposits | 46.7187% | 5,861 |
| Total domestic deposits to total assets | 84.1802% | 3,635 |
| Equity capital to assets | 15.2155% | 664 |
| Core capital (leverage) ratio | 15.3875% | 550 |
| Tier 1 risk-based capital ratio | 28.1906% | 608 |
| Total risk-based capital ratio | 29.4409% | 591 |
| Memoranda: | ||
| Average total assets | $165,574,400 | 3,402 |
| Average earning assets | $149,525,400 | 3,451 |
| Average equity | $25,856,400 | 2,585 |
| Average total loans | $66,031,600 | 4,292 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,408 |
| Cost of funding earning assets | 0.0924% | 6,434 |
| Net interest margin | 3.7466% | 2,833 |
| Noninterest income to average assets | 0.6147% | 2,780 |
| Noninterest expense to average assets | 3.4680% | 1,536 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4324% | 5,136 |
| Return on assets (ROA) | 0.4569% | 5,128 |
| Pretax return on assets | 0.5548% | 5,167 |
| Return on Equity (ROE) | 2.9071% | 5,569 |
| Retained earnings to average equity (ytd only) | 1.8780% | 5,117 |
| Net charge-offs to loans | 0.0122% | 4,319 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 108.1638% | 555 |
| Efficiency ratio | 86.8544% | 1,106 |
| Assets per employee ($millions) | 2.6433% | 6,124 |
| Cash dividends to net income (ytd only)* | 35.3984% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 1,739 |
| Loan loss allowance to noncurrent loans | 246.1538% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 5,093 |
| Noncurrent loans to loans | 0.7224% | 3,801 |
| Net loans and leases to total assets | 39.9062% | 5,818 |
| Net loans and leases to deposits | 47.7476% | 5,778 |
| Net loans and leases to core deposits | 48.0561% | 5,881 |
| Total domestic deposits to total assets | 83.5772% | 3,926 |
| Equity capital to assets | 15.8370% | 586 |
| Core capital (leverage) ratio | 15.9138% | 491 |
| Tier 1 risk-based capital ratio | 29.2886% | 561 |
| Total risk-based capital ratio | 30.5395% | 547 |
| Memoranda: | ||
| Average total assets | $164,856,250 | 3,441 |
| Average earning assets | $148,648,000 | 3,496 |
| Average equity | $25,913,000 | 2,589 |
| Average total loans | $65,790,000 | 4,339 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7978% | 4,536 |
| Cost of funding earning assets | 0.0943% | 6,494 |
| Net interest margin | 3.7036% | 2,950 |
| Noninterest income to average assets | 0.6187% | 2,720 |
| Noninterest expense to average assets | 3.5379% | 1,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3563% | 5,387 |
| Return on assets (ROA) | 0.3826% | 5,356 |
| Pretax return on assets | 0.4407% | 5,447 |
| Return on Equity (ROE) | 2.4402% | 5,715 |
| Retained earnings to average equity (ytd only) | 1.8611% | 4,956 |
| Net charge-offs to loans | -0.0183% | 5,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6044% | 948 |
| Assets per employee ($millions) | 2.6209% | 6,186 |
| Cash dividends to net income (ytd only)* | 23.7342% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 1,844 |
| Loan loss allowance to noncurrent loans | 437.7289% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 5,654 |
| Noncurrent loans to loans | 0.4105% | 4,759 |
| Net loans and leases to total assets | 39.5496% | 5,855 |
| Net loans and leases to deposits | 47.2805% | 5,813 |
| Net loans and leases to core deposits | 47.5834% | 5,917 |
| Total domestic deposits to total assets | 83.6489% | 4,053 |
| Equity capital to assets | 15.7521% | 588 |
| Core capital (leverage) ratio | 15.6669% | 521 |
| Tier 1 risk-based capital ratio | 28.8216% | 593 |
| Total risk-based capital ratio | 30.0730% | 580 |
| Memoranda: | ||
| Average total assets | $165,181,000 | 3,456 |
| Average earning assets | $148,505,670 | 3,509 |
| Average equity | $25,899,330 | 2,573 |
| Average total loans | $65,525,670 | 4,369 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7968% | 4,495 |
| Cost of funding earning assets | 0.0971% | 6,571 |
| Net interest margin | 3.6996% | 2,868 |
| Noninterest income to average assets | 0.5835% | 2,840 |
| Noninterest expense to average assets | 3.4089% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4110% | 5,074 |
| Return on assets (ROA) | 0.4552% | 4,983 |
| Pretax return on assets | 0.5472% | 5,021 |
| Return on Equity (ROE) | 2.9097% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.9097% | 4,355 |
| Net charge-offs to loans | 0.0861% | 2,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.5714% | 1,597 |
| Efficiency ratio | 87.3449% | 1,300 |
| Assets per employee ($millions) | 2.5782% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 2,064 |
| Loan loss allowance to noncurrent loans | 660.6742% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 5,934 |
| Noncurrent loans to loans | 0.2714% | 5,292 |
| Net loans and leases to total assets | 38.4409% | 5,910 |
| Net loans and leases to deposits | 45.7233% | 5,868 |
| Net loans and leases to core deposits | 46.0103% | 5,989 |
| Total domestic deposits to total assets | 84.0729% | 4,249 |
| Equity capital to assets | 15.4432% | 606 |
| Core capital (leverage) ratio | 15.7183% | 512 |
| Tier 1 risk-based capital ratio | 28.6400% | 600 |
| Total risk-based capital ratio | 29.8905% | 585 |
| Memoranda: | ||
| Average total assets | $165,214,500 | 3,479 |
| Average earning assets | $148,231,000 | 3,536 |
| Average equity | $25,844,500 | 2,571 |
| Average total loans | $65,040,000 | 4,430 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9004% | 4,462 |
| Cost of funding earning assets | 0.1296% | 6,608 |
| Net interest margin | 3.7708% | 2,758 |
| Noninterest income to average assets | 0.6128% | 3,013 |
| Noninterest expense to average assets | 3.4613% | 1,749 |
| Loan and lease loss provision to assets | 0.0091% | 4,939 |
| Net operating income to assets | 0.4483% | 4,962 |
| Return on assets (ROA) | 0.5111% | 4,817 |
| Pretax return on assets | 0.6177% | 4,813 |
| Return on Equity (ROE) | 3.2206% | 5,424 |
| Retained earnings to average equity (ytd only) | -0.0229% | 5,870 |
| Net charge-offs to loans | 0.0898% | 3,949 |
| Credit loss provision to net charge-offs | 25.8621% | 4,332 |
| Earnings coverage of net charge-offs (x) | 15.6897% | 1,854 |
| Efficiency ratio | 86.2662% | 1,388 |
| Assets per employee ($millions) | 2.5053% | 6,401 |
| Cash dividends to net income (ytd only)* | 100.7109% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 1,931 |
| Loan loss allowance to noncurrent loans | 212.5000% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3439% | 5,242 |
| Noncurrent loans to loans | 0.8684% | 3,809 |
| Net loans and leases to total assets | 38.8672% | 6,035 |
| Net loans and leases to deposits | 46.5342% | 5,976 |
| Net loans and leases to core deposits | 46.8366% | 6,104 |
| Total domestic deposits to total assets | 83.5238% | 4,354 |
| Equity capital to assets | 15.8486% | 550 |
| Core capital (leverage) ratio | 15.6158% | 524 |
| Tier 1 risk-based capital ratio | 28.9977% | 554 |
| Total risk-based capital ratio | 30.2493% | 543 |
| Memoranda: | ||
| Average total assets | $165,138,000 | 3,484 |
| Average earning assets | $148,881,600 | 3,526 |
| Average equity | $26,206,600 | 2,526 |
| Average total loans | $64,590,200 | 4,457 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 4,485 |
| Cost of funding earning assets | 0.1368% | 6,681 |
| Net interest margin | 3.7683% | 2,767 |
| Noninterest income to average assets | 0.6034% | 3,129 |
| Noninterest expense to average assets | 3.4099% | 1,803 |
| Loan and lease loss provision to assets | 0.0121% | 4,757 |
| Net operating income to assets | 0.4713% | 4,924 |
| Return on assets (ROA) | 0.5254% | 4,841 |
| Pretax return on assets | 0.6388% | 4,888 |
| Return on Equity (ROE) | 3.3097% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.2960% | 4,952 |
| Net charge-offs to loans | 0.1094% | 3,444 |
| Credit loss provision to net charge-offs | 28.3019% | 3,927 |
| Earnings coverage of net charge-offs (x) | 13.7179% | 2,004 |
| Efficiency ratio | 85.3575% | 1,430 |
| Assets per employee ($millions) | 2.5334% | 6,449 |
| Cash dividends to net income (ytd only)* | 30.6280% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 2,207 |
| Loan loss allowance to noncurrent loans | 365.4434% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 5,840 |
| Noncurrent loans to loans | 0.5007% | 4,942 |
| Net loans and leases to total assets | 38.9353% | 6,110 |
| Net loans and leases to deposits | 46.9459% | 6,041 |
| Net loans and leases to core deposits | 47.2493% | 6,157 |
| Total domestic deposits to total assets | 82.9366% | 4,596 |
| Equity capital to assets | 15.8568% | 574 |
| Core capital (leverage) ratio | 15.9166% | 503 |
| Tier 1 risk-based capital ratio | 29.6272% | 536 |
| Total risk-based capital ratio | 30.8789% | 527 |
| Memoranda: | ||
| Average total assets | $165,710,750 | 3,510 |
| Average earning assets | $149,135,750 | 3,549 |
| Average equity | $26,306,000 | 2,549 |
| Average total loans | $64,616,750 | 4,503 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 4,440 |
| Cost of funding earning assets | 0.1470% | 6,723 |
| Net interest margin | 3.7622% | 2,709 |
| Noninterest income to average assets | 0.5986% | 3,201 |
| Noninterest expense to average assets | 3.4337% | 1,751 |
| Loan and lease loss provision to assets | 0.0181% | 4,533 |
| Net operating income to assets | 0.4524% | 5,006 |
| Return on assets (ROA) | 0.4878% | 5,025 |
| Pretax return on assets | 0.5793% | 5,100 |
| Return on Equity (ROE) | 3.0716% | 5,598 |
| Retained earnings to average equity (ytd only) | 1.5547% | 5,248 |
| Net charge-offs to loans | 0.0621% | 3,817 |
| Credit loss provision to net charge-offs | 75.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 23.0500% | 1,343 |
| Efficiency ratio | 86.0809% | 1,406 |
| Assets per employee ($millions) | 2.5553% | 6,444 |
| Cash dividends to net income (ytd only)* | 49.3827% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9071% | 2,096 |
| Loan loss allowance to noncurrent loans | 310.6329% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2378% | 5,773 |
| Noncurrent loans to loans | 0.6139% | 4,719 |
| Net loans and leases to total assets | 37.9980% | 6,179 |
| Net loans and leases to deposits | 46.1858% | 6,093 |
| Net loans and leases to core deposits | 46.5747% | 6,209 |
| Total domestic deposits to total assets | 82.2720% | 4,952 |
| Equity capital to assets | 15.8291% | 553 |
| Core capital (leverage) ratio | 15.4981% | 522 |
| Tier 1 risk-based capital ratio | 29.5386% | 547 |
| Total risk-based capital ratio | 30.7906% | 538 |
| Memoranda: | ||
| Average total assets | $166,058,330 | 3,527 |
| Average earning assets | $149,646,670 | 3,561 |
| Average equity | $26,371,000 | 2,549 |
| Average total loans | $64,386,000 | 4,523 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 4,410 |
| Cost of funding earning assets | 0.1469% | 6,805 |
| Net interest margin | 3.7718% | 2,556 |
| Noninterest income to average assets | 0.5950% | 3,172 |
| Noninterest expense to average assets | 3.5027% | 1,615 |
| Loan and lease loss provision to assets | 0.0361% | 3,987 |
| Net operating income to assets | 0.3821% | 5,203 |
| Return on assets (ROA) | 0.4529% | 5,062 |
| Pretax return on assets | 0.5420% | 5,142 |
| Return on Equity (ROE) | 2.8473% | 5,645 |
| Retained earnings to average equity (ytd only) | -0.1817% | 5,810 |
| Net charge-offs to loans | 0.0311% | 3,601 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 775 |
| Efficiency ratio | 87.6432% | 1,360 |
| Assets per employee ($millions) | 2.5072% | 6,579 |
| Cash dividends to net income (ytd only)* | 106.3830% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9478% | 2,184 |
| Loan loss allowance to noncurrent loans | 478.0769% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 6,017 |
| Noncurrent loans to loans | 0.4074% | 5,400 |
| Net loans and leases to total assets | 37.2500% | 6,201 |
| Net loans and leases to deposits | 45.1821% | 6,110 |
| Net loans and leases to core deposits | 45.6598% | 6,230 |
| Total domestic deposits to total assets | 82.4442% | 5,044 |
| Equity capital to assets | 15.6735% | 616 |
| Core capital (leverage) ratio | 15.5891% | 507 |
| Tier 1 risk-based capital ratio | 29.4943% | 558 |
| Total risk-based capital ratio | 30.7470% | 553 |
| Memoranda: | ||
| Average total assets | $166,041,000 | 3,561 |
| Average earning assets | $149,741,000 | 3,597 |
| Average equity | $26,411,000 | 2,576 |
| Average total loans | $64,409,500 | 4,543 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 4,396 |
| Cost of funding earning assets | 0.1759% | 6,877 |
| Net interest margin | 4.0746% | 2,105 |
| Noninterest income to average assets | 0.5901% | 3,336 |
| Noninterest expense to average assets | 3.4887% | 1,838 |
| Loan and lease loss provision to assets | 0.0361% | 5,435 |
| Net operating income to assets | 0.6168% | 4,161 |
| Return on assets (ROA) | 0.6418% | 4,286 |
| Pretax return on assets | 0.8024% | 4,285 |
| Return on Equity (ROE) | 4.0017% | 5,142 |
| Retained earnings to average equity (ytd only) | -0.3113% | 5,909 |
| Net charge-offs to loans | 0.0849% | 4,833 |
| Credit loss provision to net charge-offs | 107.1429% | 2,764 |
| Earnings coverage of net charge-offs (x) | 23.9643% | 1,197 |
| Efficiency ratio | 81.2097% | 1,982 |
| Assets per employee ($millions) | 2.3782% | 6,725 |
| Cash dividends to net income (ytd only)* | 107.7788% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8953% | 2,306 |
| Loan loss allowance to noncurrent loans | 363.4218% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 5,958 |
| Noncurrent loans to loans | 0.5215% | 5,230 |
| Net loans and leases to total assets | 38.8609% | 6,237 |
| Net loans and leases to deposits | 47.4843% | 6,145 |
| Net loans and leases to core deposits | 48.0019% | 6,271 |
| Total domestic deposits to total assets | 81.8395% | 5,151 |
| Equity capital to assets | 16.1446% | 532 |
| Core capital (leverage) ratio | 15.5545% | 498 |
| Tier 1 risk-based capital ratio | 29.1526% | 549 |
| Total risk-based capital ratio | 30.4049% | 541 |
| Memoranda: | ||
| Average total assets | $166,250,200 | 3,515 |
| Average earning assets | $151,205,800 | 3,525 |
| Average equity | $26,664,000 | 2,510 |
| Average total loans | $65,989,000 | 4,504 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 4,519 |
| Cost of funding earning assets | 0.1795% | 6,989 |
| Net interest margin | 4.1029% | 2,076 |
| Noninterest income to average assets | 0.5948% | 3,312 |
| Noninterest expense to average assets | 3.5014% | 1,756 |
| Loan and lease loss provision to assets | 0.0360% | 5,321 |
| Net operating income to assets | 0.6294% | 4,241 |
| Return on assets (ROA) | 0.6563% | 4,376 |
| Pretax return on assets | 0.8186% | 4,418 |
| Return on Equity (ROE) | 4.0987% | 5,253 |
| Retained earnings to average equity (ytd only) | 1.8522% | 5,409 |
| Net charge-offs to loans | 0.1349% | 4,044 |
| Credit loss provision to net charge-offs | 67.1642% | 3,972 |
| Earnings coverage of net charge-offs (x) | 15.3286% | 1,770 |
| Efficiency ratio | 81.0061% | 1,936 |
| Assets per employee ($millions) | 2.4076% | 6,775 |
| Cash dividends to net income (ytd only)* | 54.8116% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8352% | 2,692 |
| Loan loss allowance to noncurrent loans | 414.4330% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 6,201 |
| Noncurrent loans to loans | 0.4428% | 5,563 |
| Net loans and leases to total assets | 38.8319% | 6,362 |
| Net loans and leases to deposits | 47.5667% | 6,284 |
| Net loans and leases to core deposits | 48.0825% | 6,403 |
| Total domestic deposits to total assets | 81.6369% | 5,153 |
| Equity capital to assets | 16.2520% | 563 |
| Core capital (leverage) ratio | 15.7870% | 506 |
| Tier 1 risk-based capital ratio | 29.5019% | 553 |
| Total risk-based capital ratio | 30.7528% | 547 |
| Memoranda: | ||
| Average total assets | $166,788,250 | 3,539 |
| Average earning assets | $151,532,250 | 3,562 |
| Average equity | $26,706,750 | 2,526 |
| Average total loans | $66,235,750 | 4,541 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 4,423 |
| Cost of funding earning assets | 0.1856% | 7,060 |
| Net interest margin | 4.1529% | 1,891 |
| Noninterest income to average assets | 0.5976% | 3,270 |
| Noninterest expense to average assets | 3.5411% | 1,695 |
| Loan and lease loss provision to assets | 0.0359% | 5,227 |
| Net operating income to assets | 0.6409% | 4,161 |
| Return on assets (ROA) | 0.6658% | 4,292 |
| Pretax return on assets | 0.8299% | 4,360 |
| Return on Equity (ROE) | 4.1789% | 5,189 |
| Retained earnings to average equity (ytd only) | 1.9617% | 5,215 |
| Net charge-offs to loans | 0.1506% | 3,710 |
| Credit loss provision to net charge-offs | 60.0000% | 3,797 |
| Earnings coverage of net charge-offs (x) | 13.9400% | 1,750 |
| Efficiency ratio | 80.9250% | 2,043 |
| Assets per employee ($millions) | 2.5761% | 6,686 |
| Cash dividends to net income (ytd only)* | 53.0576% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8192% | 2,784 |
| Loan loss allowance to noncurrent loans | 501.2448% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 6,360 |
| Noncurrent loans to loans | 0.3629% | 5,819 |
| Net loans and leases to total assets | 38.9347% | 6,411 |
| Net loans and leases to deposits | 47.4802% | 6,342 |
| Net loans and leases to core deposits | 47.9883% | 6,458 |
| Total domestic deposits to total assets | 82.0021% | 5,131 |
| Equity capital to assets | 15.9824% | 583 |
| Core capital (leverage) ratio | 15.5886% | 514 |
| Tier 1 risk-based capital ratio | 28.7226% | 595 |
| Total risk-based capital ratio | 29.9733% | 575 |
| Memoranda: | ||
| Average total assets | $167,010,670 | 3,550 |
| Average earning assets | $151,940,330 | 3,562 |
| Average equity | $26,609,670 | 2,516 |
| Average total loans | $66,409,670 | 4,548 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 3,882 |
| Cost of funding earning assets | 0.1982% | 7,109 |
| Net interest margin | 4.3091% | 1,438 |
| Noninterest income to average assets | 0.6115% | 3,152 |
| Noninterest expense to average assets | 3.5925% | 1,574 |
| Loan and lease loss provision to assets | 0.0360% | 4,933 |
| Net operating income to assets | 0.6418% | 4,160 |
| Return on assets (ROA) | 0.6763% | 4,213 |
| Pretax return on assets | 0.9425% | 3,894 |
| Return on Equity (ROE) | 4.2512% | 5,162 |
| Retained earnings to average equity (ytd only) | 1.8392% | 5,329 |
| Net charge-offs to loans | 0.0482% | 4,027 |
| Credit loss provision to net charge-offs | 187.5000% | 1,398 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 649 |
| Efficiency ratio | 79.4274% | 2,280 |
| Assets per employee ($millions) | 2.5393% | 6,816 |
| Cash dividends to net income (ytd only)* | 56.7376% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8456% | 2,855 |
| Loan loss allowance to noncurrent loans | 473.1801% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 6,498 |
| Noncurrent loans to loans | 0.3900% | 5,897 |
| Net loans and leases to total assets | 39.1916% | 6,411 |
| Net loans and leases to deposits | 47.0242% | 6,359 |
| Net loans and leases to core deposits | 47.5189% | 6,482 |
| Total domestic deposits to total assets | 83.3435% | 4,795 |
| Equity capital to assets | 15.8599% | 597 |
| Core capital (leverage) ratio | 15.5836% | 518 |
| Tier 1 risk-based capital ratio | 29.4108% | 554 |
| Total risk-based capital ratio | 30.6631% | 542 |
| Memoranda: | ||
| Average total assets | $166,792,500 | 3,571 |
| Average earning assets | $151,399,500 | 3,586 |
| Average equity | $26,533,500 | 2,523 |
| Average total loans | $66,413,000 | 4,572 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 4,448 |
| Cost of funding earning assets | 0.2851% | 7,126 |
| Net interest margin | 4.3662% | 1,492 |
| Noninterest income to average assets | 0.6324% | 2,993 |
| Noninterest expense to average assets | 3.5147% | 1,944 |
| Loan and lease loss provision to assets | 0.0544% | 5,914 |
| Net operating income to assets | 0.7557% | 3,237 |
| Return on assets (ROA) | 0.7552% | 3,405 |
| Pretax return on assets | 0.9698% | 3,348 |
| Return on Equity (ROE) | 4.6931% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.5599% | 5,583 |
| Net charge-offs to loans | 0.1076% | 5,284 |
| Credit loss provision to net charge-offs | 123.2877% | 2,556 |
| Earnings coverage of net charge-offs (x) | 23.2192% | 1,033 |
| Efficiency ratio | 77.4241% | 2,672 |
| Assets per employee ($millions) | 2.4775% | 6,853 |
| Cash dividends to net income (ytd only)* | 88.0705% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 2,672 |
| Loan loss allowance to noncurrent loans | 330.1075% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 6,401 |
| Noncurrent loans to loans | 0.5644% | 5,588 |
| Net loans and leases to total assets | 38.9661% | 6,601 |
| Net loans and leases to deposits | 47.0808% | 6,559 |
| Net loans and leases to core deposits | 47.5820% | 6,663 |
| Total domestic deposits to total assets | 82.7643% | 4,857 |
| Equity capital to assets | 15.9567% | 582 |
| Core capital (leverage) ratio | 15.6734% | 502 |
| Tier 1 risk-based capital ratio | 30.0130% | 519 |
| Total risk-based capital ratio | 31.2654% | 510 |
| Memoranda: | ||
| Average total assets | $165,390,200 | 3,562 |
| Average earning assets | $148,001,400 | 3,601 |
| Average equity | $26,613,800 | 2,426 |
| Average total loans | $67,815,400 | 4,565 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 4,438 |
| Cost of funding earning assets | 0.2968% | 7,215 |
| Net interest margin | 4.4079% | 1,384 |
| Noninterest income to average assets | 0.6326% | 2,976 |
| Noninterest expense to average assets | 3.5366% | 1,838 |
| Loan and lease loss provision to assets | 0.0605% | 5,687 |
| Net operating income to assets | 0.7518% | 3,372 |
| Return on assets (ROA) | 0.7512% | 3,539 |
| Pretax return on assets | 0.9658% | 3,535 |
| Return on Equity (ROE) | 4.6586% | 4,692 |
| Retained earnings to average equity (ytd only) | 2.6570% | 4,765 |
| Net charge-offs to loans | 0.0996% | 4,992 |
| Credit loss provision to net charge-offs | 147.0588% | 2,138 |
| Earnings coverage of net charge-offs (x) | 24.9601% | 1,065 |
| Efficiency ratio | 77.4929% | 2,611 |
| Assets per employee ($millions) | 2.3946% | 6,992 |
| Cash dividends to net income (ytd only)* | 42.9646% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 2,640 |
| Loan loss allowance to noncurrent loans | 183.2344% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5011% | 5,833 |
| Noncurrent loans to loans | 1.0322% | 4,833 |
| Net loans and leases to total assets | 38.7725% | 6,727 |
| Net loans and leases to deposits | 46.9058% | 6,690 |
| Net loans and leases to core deposits | 47.4949% | 6,783 |
| Total domestic deposits to total assets | 82.6603% | 4,819 |
| Equity capital to assets | 16.3919% | 568 |
| Core capital (leverage) ratio | 16.0975% | 487 |
| Tier 1 risk-based capital ratio | 32.1156% | 450 |
| Total risk-based capital ratio | 33.3695% | 443 |
| Memoranda: | ||
| Average total assets | $165,239,500 | 3,587 |
| Average earning assets | $147,367,500 | 3,641 |
| Average equity | $26,645,500 | 2,433 |
| Average total loans | $68,292,000 | 4,591 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 4,497 |
| Cost of funding earning assets | 0.3030% | 7,303 |
| Net interest margin | 4.4063% | 1,350 |
| Noninterest income to average assets | 0.6221% | 2,994 |
| Noninterest expense to average assets | 3.5136% | 1,950 |
| Loan and lease loss provision to assets | 0.0726% | 5,397 |
| Net operating income to assets | 0.7513% | 3,281 |
| Return on assets (ROA) | 0.7504% | 3,410 |
| Pretax return on assets | 0.9780% | 3,325 |
| Return on Equity (ROE) | 4.6794% | 4,601 |
| Retained earnings to average equity (ytd only) | 2.7925% | 4,505 |
| Net charge-offs to loans | 0.0635% | 5,008 |
| Credit loss provision to net charge-offs | 272.7273% | 1,111 |
| Earnings coverage of net charge-offs (x) | 39.5000% | 747 |
| Efficiency ratio | 76.9618% | 2,870 |
| Assets per employee ($millions) | 2.3822% | 7,044 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8757% | 2,746 |
| Loan loss allowance to noncurrent loans | 285.8124% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 6,435 |
| Noncurrent loans to loans | 0.6563% | 5,603 |
| Net loans and leases to total assets | 39.7506% | 6,764 |
| Net loans and leases to deposits | 48.0229% | 6,724 |
| Net loans and leases to core deposits | 48.6280% | 6,827 |
| Total domestic deposits to total assets | 82.7742% | 4,866 |
| Equity capital to assets | 16.3485% | 567 |
| Core capital (leverage) ratio | 15.8548% | 525 |
| Tier 1 risk-based capital ratio | 33.6926% | 393 |
| Total risk-based capital ratio | 34.9473% | 385 |
| Memoranda: | ||
| Average total assets | $165,243,330 | 3,608 |
| Average earning assets | $147,878,670 | 3,655 |
| Average equity | $26,499,330 | 2,425 |
| Average total loans | $69,290,000 | 4,604 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 4,618 |
| Cost of funding earning assets | 0.3343% | 7,343 |
| Net interest margin | 4.3456% | 1,431 |
| Noninterest income to average assets | 0.5939% | 3,216 |
| Noninterest expense to average assets | 3.6697% | 1,602 |
| Loan and lease loss provision to assets | 0.0724% | 5,093 |
| Net operating income to assets | 0.6277% | 3,881 |
| Return on assets (ROA) | 0.6277% | 3,948 |
| Pretax return on assets | 0.7750% | 3,993 |
| Return on Equity (ROE) | 3.9524% | 4,932 |
| Retained earnings to average equity (ytd only) | 1.9762% | 4,942 |
| Net charge-offs to loans | 0.1359% | 3,703 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 14.6250% | 1,357 |
| Efficiency ratio | 81.2400% | 2,338 |
| Assets per employee ($millions) | 2.4671% | 7,033 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 3,207 |
| Loan loss allowance to noncurrent loans | 46.4681% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 3,886 |
| Noncurrent loans to loans | 3.7485% | 1,971 |
| Net loans and leases to total assets | 40.9212% | 6,706 |
| Net loans and leases to deposits | 48.9759% | 6,690 |
| Net loans and leases to core deposits | 49.5736% | 6,796 |
| Total domestic deposits to total assets | 83.5537% | 4,675 |
| Equity capital to assets | 15.6756% | 633 |
| Core capital (leverage) ratio | 15.6758% | 552 |
| Tier 1 risk-based capital ratio | 31.6145% | 455 |
| Total risk-based capital ratio | 32.8682% | 444 |
| Memoranda: | ||
| Average total assets | $165,680,000 | 3,625 |
| Average earning assets | $149,578,000 | 3,648 |
| Average equity | $26,313,000 | 2,428 |
| Average total loans | $70,641,500 | 4,597 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 4,195 |
| Cost of funding earning assets | 0.4244% | 7,405 |
| Net interest margin | 4.6527% | 901 |
| Noninterest income to average assets | 0.6007% | 3,474 |
| Noninterest expense to average assets | 3.7171% | 1,665 |
| Loan and lease loss provision to assets | 0.0632% | 6,509 |
| Net operating income to assets | 0.7977% | 2,814 |
| Return on assets (ROA) | 0.7977% | 2,949 |
| Pretax return on assets | 0.9977% | 2,935 |
| Return on Equity (ROE) | 4.8914% | 4,113 |
| Retained earnings to average equity (ytd only) | 0.7488% | 5,180 |
| Net charge-offs to loans | 0.1972% | 5,114 |
| Credit loss provision to net charge-offs | 73.0496% | 5,792 |
| Earnings coverage of net charge-offs (x) | 12.2624% | 1,525 |
| Efficiency ratio | 77.7963% | 2,739 |
| Assets per employee ($millions) | 2.3042% | 7,218 |
| Cash dividends to net income (ytd only)* | 84.6923% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 3,231 |
| Loan loss allowance to noncurrent loans | 52.2208% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 1.4401% | 4,172 |
| Noncurrent loans to loans | 3.2472% | 2,339 |
| Net loans and leases to total assets | 42.9130% | 6,799 |
| Net loans and leases to deposits | 51.6768% | 6,766 |
| Net loans and leases to core deposits | 52.4282% | 6,882 |
| Total domestic deposits to total assets | 83.0412% | 4,778 |
| Equity capital to assets | 16.0933% | 571 |
| Core capital (leverage) ratio | 15.6406% | 554 |
| Tier 1 risk-based capital ratio | 31.2558% | 456 |
| Total risk-based capital ratio | 32.5089% | 450 |
| Memoranda: | ||
| Average total assets | $162,974,800 | 3,647 |
| Average earning assets | $146,324,000 | 3,697 |
| Average equity | $26,577,400 | 2,410 |
| Average total loans | $71,495,600 | 4,625 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 4,173 |
| Cost of funding earning assets | 0.4408% | 7,526 |
| Net interest margin | 4.6884% | 866 |
| Noninterest income to average assets | 0.5634% | 3,695 |
| Noninterest expense to average assets | 3.7120% | 1,543 |
| Loan and lease loss provision to assets | 0.0598% | 6,469 |
| Net operating income to assets | 0.7951% | 3,021 |
| Return on assets (ROA) | 0.7951% | 3,182 |
| Pretax return on assets | 0.9982% | 3,192 |
| Return on Equity (ROE) | 4.8598% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.4524% | 4,706 |
| Net charge-offs to loans | 0.2424% | 4,486 |
| Credit loss provision to net charge-offs | 56.1538% | 5,782 |
| Earnings coverage of net charge-offs (x) | 9.9384% | 1,939 |
| Efficiency ratio | 77.8197% | 2,646 |
| Assets per employee ($millions) | 2.2717% | 7,330 |
| Cash dividends to net income (ytd only)* | 49.5369% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 3,258 |
| Loan loss allowance to noncurrent loans | 53.0985% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 4,367 |
| Noncurrent loans to loans | 3.1441% | 2,538 |
| Net loans and leases to total assets | 42.8885% | 6,916 |
| Net loans and leases to deposits | 52.0455% | 6,893 |
| Net loans and leases to core deposits | 52.7726% | 7,017 |
| Total domestic deposits to total assets | 82.4057% | 4,841 |
| Equity capital to assets | 16.5047% | 589 |
| Core capital (leverage) ratio | 16.0627% | 553 |
| Tier 1 risk-based capital ratio | 31.9668% | 437 |
| Total risk-based capital ratio | 33.2190% | 428 |
| Memoranda: | ||
| Average total assets | $162,819,500 | 3,702 |
| Average earning assets | $146,086,250 | 3,747 |
| Average equity | $26,639,750 | 2,446 |
| Average total loans | $71,515,750 | 4,701 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 4,080 |
| Cost of funding earning assets | 0.4517% | 7,601 |
| Net interest margin | 4.7217% | 787 |
| Noninterest income to average assets | 0.6065% | 3,291 |
| Noninterest expense to average assets | 3.7841% | 1,388 |
| Loan and lease loss provision to assets | 0.0554% | 6,403 |
| Net operating income to assets | 0.7984% | 2,985 |
| Return on assets (ROA) | 0.7984% | 3,124 |
| Pretax return on assets | 0.9977% | 3,122 |
| Return on Equity (ROE) | 4.8942% | 4,341 |
| Retained earnings to average equity (ytd only) | 2.4659% | 4,583 |
| Net charge-offs to loans | 0.3688% | 3,510 |
| Credit loss provision to net charge-offs | 34.0909% | 5,678 |
| Earnings coverage of net charge-offs (x) | 6.4848% | 2,452 |
| Efficiency ratio | 78.2299% | 2,690 |
| Assets per employee ($millions) | 2.3148% | 7,336 |
| Cash dividends to net income (ytd only)* | 49.6148% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6180% | 3,375 |
| Loan loss allowance to noncurrent loans | 52.4605% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 1.3715% | 4,430 |
| Noncurrent loans to loans | 3.0841% | 2,609 |
| Net loans and leases to total assets | 42.9923% | 6,985 |
| Net loans and leases to deposits | 51.9625% | 6,977 |
| Net loans and leases to core deposits | 52.8617% | 7,092 |
| Total domestic deposits to total assets | 82.7372% | 4,675 |
| Equity capital to assets | 16.2947% | 627 |
| Core capital (leverage) ratio | 15.9550% | 573 |
| Tier 1 risk-based capital ratio | 31.4518% | 440 |
| Total risk-based capital ratio | 32.7038% | 433 |
| Memoranda: | ||
| Average total assets | $162,573,000 | 3,732 |
| Average earning assets | $145,668,330 | 3,783 |
| Average equity | $26,521,330 | 2,449 |
| Average total loans | $71,574,670 | 4,733 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2123% | 3,953 |
| Cost of funding earning assets | 0.4636% | 7,719 |
| Net interest margin | 4.7488% | 708 |
| Noninterest income to average assets | 0.6111% | 3,200 |
| Noninterest expense to average assets | 4.0127% | 1,015 |
| Loan and lease loss provision to assets | 0.0569% | 6,088 |
| Net operating income to assets | 0.6704% | 3,570 |
| Return on assets (ROA) | 0.6704% | 3,684 |
| Pretax return on assets | 0.7991% | 3,869 |
| Return on Equity (ROE) | 4.1073% | 4,847 |
| Retained earnings to average equity (ytd only) | 1.8339% | 5,013 |
| Net charge-offs to loans | 0.4982% | 2,569 |
| Credit loss provision to net charge-offs | 25.8427% | 4,880 |
| Earnings coverage of net charge-offs (x) | 3.8876% | 2,755 |
| Efficiency ratio | 82.4187% | 2,219 |
| Assets per employee ($millions) | 2.3430% | 7,398 |
| Cash dividends to net income (ytd only)* | 55.3506% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6634% | 3,199 |
| Loan loss allowance to noncurrent loans | 56.6571% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 1.2915% | 4,597 |
| Noncurrent loans to loans | 2.9360% | 2,743 |
| Net loans and leases to total assets | 43.2587% | 7,047 |
| Net loans and leases to deposits | 52.2406% | 7,025 |
| Net loans and leases to core deposits | 52.9742% | 7,158 |
| Total domestic deposits to total assets | 82.8066% | 4,716 |
| Equity capital to assets | 16.3045% | 632 |
| Core capital (leverage) ratio | 15.9592% | 591 |
| Tier 1 risk-based capital ratio | 31.7818% | 443 |
| Total risk-based capital ratio | 33.0348% | 436 |
| Memoranda: | ||
| Average total assets | $161,685,500 | 3,806 |
| Average earning assets | $144,964,000 | 3,850 |
| Average equity | $26,392,000 | 2,471 |
| Average total loans | $71,452,500 | 4,803 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6011% | 3,606 |
| Cost of funding earning assets | 0.7067% | 7,679 |
| Net interest margin | 4.8944% | 565 |
| Noninterest income to average assets | 0.6299% | 3,422 |
| Noninterest expense to average assets | 3.6598% | 2,006 |
| Loan and lease loss provision to assets | 0.0280% | 7,238 |
| Net operating income to assets | 1.0418% | 1,699 |
| Return on assets (ROA) | 1.0427% | 1,739 |
| Pretax return on assets | 1.3443% | 1,576 |
| Return on Equity (ROE) | 6.2873% | 3,085 |
| Retained earnings to average equity (ytd only) | -0.6486% | 5,157 |
| Net charge-offs to loans | 0.1256% | 5,939 |
| Credit loss provision to net charge-offs | 50.5618% | 6,737 |
| Earnings coverage of net charge-offs (x) | 24.7753% | 899 |
| Efficiency ratio | 72.7475% | 4,142 |
| Assets per employee ($millions) | 2.3435% | 7,418 |
| Cash dividends to net income (ytd only)* | 110.3160% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7399% | 2,749 |
| Loan loss allowance to noncurrent loans | 54.9978% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 4,311 |
| Noncurrent loans to loans | 3.1635% | 2,420 |
| Net loans and leases to total assets | 43.6217% | 7,140 |
| Net loans and leases to deposits | 52.7462% | 7,119 |
| Net loans and leases to core deposits | 56.1403% | 7,398 |
| Total domestic deposits to total assets | 82.7011% | 4,657 |
| Equity capital to assets | 16.3416% | 653 |
| Core capital (leverage) ratio | 15.7802% | 649 |
| Tier 1 risk-based capital ratio | 31.6678% | 452 |
| Total risk-based capital ratio | 32.9223% | 443 |
| Memoranda: | ||
| Average total assets | $160,826,800 | 3,755 |
| Average earning assets | $144,614,000 | 3,803 |
| Average equity | $26,672,800 | 2,475 |
| Average total loans | $70,879,800 | 4,839 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6842% | 3,417 |
| Cost of funding earning assets | 0.7514% | 7,757 |
| Net interest margin | 4.9329% | 511 |
| Noninterest income to average assets | 0.6127% | 3,598 |
| Noninterest expense to average assets | 3.7540% | 1,698 |
| Loan and lease loss provision to assets | 0.0208% | 7,147 |
| Net operating income to assets | 0.9816% | 2,122 |
| Return on assets (ROA) | 0.9829% | 2,178 |
| Pretax return on assets | 1.2652% | 2,063 |
| Return on Equity (ROE) | 5.9048% | 3,566 |
| Retained earnings to average equity (ytd only) | 1.1670% | 4,674 |
| Net charge-offs to loans | 0.1038% | 5,638 |
| Credit loss provision to net charge-offs | 45.4545% | 6,369 |
| Earnings coverage of net charge-offs (x) | 28.1279% | 973 |
| Efficiency ratio | 74.5098% | 3,780 |
| Assets per employee ($millions) | 2.3225% | 7,471 |
| Cash dividends to net income (ytd only)* | 80.2367% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 2,431 |
| Loan loss allowance to noncurrent loans | 515.1020% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 7,157 |
| Noncurrent loans to loans | 0.3405% | 6,678 |
| Net loans and leases to total assets | 44.1168% | 7,238 |
| Net loans and leases to deposits | 53.8643% | 7,224 |
| Net loans and leases to core deposits | 57.5828% | 7,487 |
| Total domestic deposits to total assets | 81.9037% | 4,711 |
| Equity capital to assets | 16.8376% | 655 |
| Core capital (leverage) ratio | 16.1468% | 653 |
| Tier 1 risk-based capital ratio | 32.5749% | 457 |
| Total risk-based capital ratio | 33.8265% | 444 |
| Memoranda: | ||
| Average total assets | $160,607,500 | 3,782 |
| Average earning assets | $144,091,500 | 3,837 |
| Average equity | $26,734,750 | 2,489 |
| Average total loans | $70,653,000 | 4,891 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 3,515 |
| Cost of funding earning assets | 0.7933% | 7,825 |
| Net interest margin | 4.9115% | 525 |
| Noninterest income to average assets | 0.6110% | 3,598 |
| Noninterest expense to average assets | 3.7418% | 1,758 |
| Loan and lease loss provision to assets | 0.0124% | 7,090 |
| Net operating income to assets | 0.9681% | 2,213 |
| Return on assets (ROA) | 0.9681% | 2,319 |
| Pretax return on assets | 1.2406% | 2,193 |
| Return on Equity (ROE) | 5.8382% | 3,730 |
| Retained earnings to average equity (ytd only) | -0.1651% | 5,259 |
| Net charge-offs to loans | 0.1453% | 4,730 |
| Credit loss provision to net charge-offs | 19.6078% | 6,133 |
| Earnings coverage of net charge-offs (x) | 19.7451% | 1,349 |
| Efficiency ratio | 74.9128% | 3,894 |
| Assets per employee ($millions) | 2.4374% | 7,368 |
| Cash dividends to net income (ytd only)* | 102.8278% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 2,131 |
| Loan loss allowance to noncurrent loans | 644.8454% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 7,263 |
| Noncurrent loans to loans | 0.2741% | 6,836 |
| Net loans and leases to total assets | 43.2155% | 7,379 |
| Net loans and leases to deposits | 52.4814% | 7,358 |
| Net loans and leases to core deposits | 56.3980% | 7,577 |
| Total domestic deposits to total assets | 82.3443% | 4,546 |
| Equity capital to assets | 16.4920% | 751 |
| Core capital (leverage) ratio | 15.9522% | 747 |
| Tier 1 risk-based capital ratio | 32.2485% | 492 |
| Total risk-based capital ratio | 33.5025% | 479 |
| Memoranda: | ||
| Average total assets | $160,725,330 | 3,814 |
| Average earning assets | $143,460,330 | 3,871 |
| Average equity | $26,652,000 | 2,507 |
| Average total loans | $70,217,000 | 4,953 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7370% | 3,602 |
| Cost of funding earning assets | 0.8535% | 7,861 |
| Net interest margin | 4.8835% | 520 |
| Noninterest income to average assets | 0.6050% | 3,512 |
| Noninterest expense to average assets | 4.0360% | 1,144 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7295% | 3,426 |
| Return on assets (ROA) | 0.7295% | 3,623 |
| Pretax return on assets | 0.8714% | 3,824 |
| Return on Equity (ROE) | 4.3874% | 4,753 |
| Retained earnings to average equity (ytd only) | -5.3457% | 6,602 |
| Net charge-offs to loans | 0.2516% | 3,151 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 7.9545% | 2,263 |
| Efficiency ratio | 82.2425% | 2,504 |
| Assets per employee ($millions) | 2.4942% | 7,290 |
| Cash dividends to net income (ytd only)* | 221.8430% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7910% | 1,875 |
| Loan loss allowance to noncurrent loans | 1,468.2353% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 7,443 |
| Noncurrent loans to loans | 0.1220% | 7,172 |
| Net loans and leases to total assets | 42.2109% | 7,454 |
| Net loans and leases to deposits | 51.1388% | 7,454 |
| Net loans and leases to core deposits | 55.0750% | 7,649 |
| Total domestic deposits to total assets | 82.5418% | 4,359 |
| Equity capital to assets | 16.2912% | 826 |
| Core capital (leverage) ratio | 15.7769% | 816 |
| Tier 1 risk-based capital ratio | 33.0217% | 493 |
| Total risk-based capital ratio | 34.2770% | 484 |
| Memoranda: | ||
| Average total assets | $160,655,000 | 3,821 |
| Average earning assets | $141,537,000 | 3,924 |
| Average equity | $26,713,000 | 2,513 |
| Average total loans | $69,940,500 | 4,985 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1459% | 4,797 |
| Cost of funding earning assets | 1.1435% | 7,981 |
| Net interest margin | 5.0025% | 505 |
| Noninterest income to average assets | 0.6472% | 3,489 |
| Noninterest expense to average assets | 3.5102% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2687% | 1,571 |
| Return on assets (ROA) | 1.2687% | 1,518 |
| Pretax return on assets | 1.6790% | 1,191 |
| Return on Equity (ROE) | 7.7017% | 3,196 |
| Retained earnings to average equity (ytd only) | 3.6092% | 2,903 |
| Net charge-offs to loans | 0.0674% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 55.6383% | 708 |
| Efficiency ratio | 67.6441% | 4,785 |
| Assets per employee ($millions) | 2.4119% | 7,383 |
| Cash dividends to net income (ytd only)* | 53.1377% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8405% | 1,549 |
| Loan loss allowance to noncurrent loans | 500.7752% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 6,920 |
| Noncurrent loans to loans | 0.3675% | 6,266 |
| Net loans and leases to total assets | 43.2871% | 7,513 |
| Net loans and leases to deposits | 52.9288% | 7,491 |
| Net loans and leases to core deposits | 57.1359% | 7,705 |
| Total domestic deposits to total assets | 81.7836% | 4,282 |
| Equity capital to assets | 16.9701% | 784 |
| Core capital (leverage) ratio | 16.3028% | 783 |
| Tier 1 risk-based capital ratio | 33.4632% | 496 |
| Total risk-based capital ratio | 34.7188% | 487 |
| Memoranda: | ||
| Average total assets | $155,745,600 | 3,792 |
| Average earning assets | $141,410,400 | 3,819 |
| Average equity | $25,656,800 | 2,592 |
| Average total loans | $69,697,200 | 4,881 |