Home > The Geo. D. Warthen Bank > Performance and Condition Ratios
The Geo. D. Warthen Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9120% | 2,254 |
| Cost of funding earning assets | 0.0810% | 4,487 |
| Net interest margin | 4.8310% | 402 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 3.5275% | 561 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.1942% | 1,662 |
| Return on assets (ROA) | 1.1942% | 1,638 |
| Pretax return on assets | 1.2910% | 1,892 |
| Return on Equity (ROE) | 15.2900% | 1,230 |
| Retained earnings to average equity (ytd only) | 12.4939% | 575 |
| Net charge-offs to loans | 0.1298% | 759 |
| Credit loss provision to net charge-offs | 182.1192% | 1,298 |
| Earnings coverage of net charge-offs (x) | 21.4238% | 1,836 |
| Efficiency ratio | 71.4298% | 1,717 |
| Assets per employee ($millions) | 5.7216% | 3,052 |
| Cash dividends to net income (ytd only)* | 18.2615% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,228 |
| Loan loss allowance to noncurrent loans | 139.0364% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 1,194 |
| Noncurrent loans to loans | 0.8713% | 875 |
| Net loans and leases to total assets | 53.0400% | 3,412 |
| Net loans and leases to deposits | 59.1688% | 3,573 |
| Net loans and leases to core deposits | 61.2322% | 3,715 |
| Total domestic deposits to total assets | 89.6300% | 866 |
| Equity capital to assets | 9.1614% | 2,569 |
| Core capital (leverage) ratio | 10.1440% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1529% | 887 |
| Memoranda: | ||
| Average total assets | $229,281,600 | 2,792 |
| Average earning assets | $211,055,200 | 2,799 |
| Average equity | $17,912,800 | 3,021 |
| Average total loans | $116,351,200 | 2,994 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 2,303 |
| Cost of funding earning assets | 0.0836% | 4,515 |
| Net interest margin | 4.6993% | 460 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 3.4353% | 600 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.1442% | 1,930 |
| Return on assets (ROA) | 1.1442% | 1,915 |
| Pretax return on assets | 1.2366% | 2,207 |
| Return on Equity (ROE) | 15.2600% | 1,404 |
| Retained earnings to average equity (ytd only) | 11.4329% | 1,081 |
| Net charge-offs to loans | 0.0011% | 2,576 |
| Credit loss provision to net charge-offs | 22,500.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 2,379.0000% | 59 |
| Efficiency ratio | 71.5533% | 1,617 |
| Assets per employee ($millions) | 5.7218% | 2,995 |
| Cash dividends to net income (ytd only)* | 25.0878% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 1,889 |
| Loan loss allowance to noncurrent loans | 150.0496% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4766% | 1,214 |
| Noncurrent loans to loans | 0.8619% | 963 |
| Net loans and leases to total assets | 54.5800% | 3,317 |
| Net loans and leases to deposits | 60.5646% | 3,475 |
| Net loans and leases to core deposits | 62.3841% | 3,598 |
| Total domestic deposits to total assets | 90.1300% | 909 |
| Equity capital to assets | 8.5029% | 2,729 |
| Core capital (leverage) ratio | 9.5179% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4428% | 1,028 |
| Memoranda: | ||
| Average total assets | $232,246,500 | 2,795 |
| Average earning assets | $213,617,000 | 2,791 |
| Average equity | $17,411,250 | 3,049 |
| Average total loans | $116,258,000 | 2,999 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5764% | 2,466 |
| Cost of funding earning assets | 0.0861% | 4,526 |
| Net interest margin | 4.4902% | 614 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 3.3276% | 671 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.0799% | 2,173 |
| Return on assets (ROA) | 1.0799% | 2,173 |
| Pretax return on assets | 1.1669% | 2,456 |
| Return on Equity (ROE) | 15.0000% | 1,467 |
| Retained earnings to average equity (ytd only) | 9.1898% | 1,633 |
| Net charge-offs to loans | 0.0017% | 2,323 |
| Credit loss provision to net charge-offs | 15,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,545.0000% | 89 |
| Efficiency ratio | 72.0261% | 1,560 |
| Assets per employee ($millions) | 6.1018% | 2,624 |
| Cash dividends to net income (ytd only)* | 38.7297% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,312 |
| Loan loss allowance to noncurrent loans | 158.4802% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 1,326 |
| Noncurrent loans to loans | 0.7739% | 979 |
| Net loans and leases to total assets | 51.3300% | 3,460 |
| Net loans and leases to deposits | 56.4897% | 3,609 |
| Net loans and leases to core deposits | 58.2060% | 3,704 |
| Total domestic deposits to total assets | 90.8600% | 690 |
| Equity capital to assets | 7.8222% | 3,336 |
| Core capital (leverage) ratio | 8.6364% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7643% | 1,163 |
| Memoranda: | ||
| Average total assets | $239,093,667 | 2,755 |
| Average earning assets | $220,612,000 | 2,759 |
| Average equity | $17,214,667 | 3,087 |
| Average total loans | $115,986,333 | 2,997 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,549 |
| Cost of funding earning assets | 0.0958% | 4,539 |
| Net interest margin | 4.3039% | 798 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 3.2894% | 709 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9343% | 2,736 |
| Return on assets (ROA) | 0.9343% | 2,694 |
| Pretax return on assets | 1.0091% | 2,960 |
| Return on Equity (ROE) | 13.5100% | 1,878 |
| Retained earnings to average equity (ytd only) | 1.7420% | 3,745 |
| Net charge-offs to loans | 0.0069% | 1,690 |
| Credit loss provision to net charge-offs | 3,750.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 347.5000% | 324 |
| Efficiency ratio | 74.4109% | 1,295 |
| Assets per employee ($millions) | 6.7307% | 2,165 |
| Cash dividends to net income (ytd only)* | 87.1080% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 2,716 |
| Loan loss allowance to noncurrent loans | 145.9315% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 1,374 |
| Noncurrent loans to loans | 0.8018% | 961 |
| Net loans and leases to total assets | 46.2300% | 3,765 |
| Net loans and leases to deposits | 50.3043% | 3,877 |
| Net loans and leases to core deposits | 52.6015% | 3,883 |
| Total domestic deposits to total assets | 91.9000% | 539 |
| Equity capital to assets | 6.9516% | 3,854 |
| Core capital (leverage) ratio | 8.0071% | 4,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5571% | 1,249 |
| Memoranda: | ||
| Average total assets | $245,757,000 | 2,749 |
| Average earning assets | $225,563,500 | 2,768 |
| Average equity | $16,992,000 | 3,130 |
| Average total loans | $115,318,000 | 3,028 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6011% | 2,798 |
| Cost of funding earning assets | 0.0777% | 4,482 |
| Net interest margin | 3.5234% | 1,857 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.9983% | 972 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.6276% | 3,809 |
| Return on assets (ROA) | 0.6276% | 3,763 |
| Pretax return on assets | 0.6377% | 3,963 |
| Return on Equity (ROE) | 9.2400% | 3,053 |
| Retained earnings to average equity (ytd only) | 5.3837% | 2,879 |
| Net charge-offs to loans | 0.0528% | 1,141 |
| Credit loss provision to net charge-offs | 325.8621% | 876 |
| Earnings coverage of net charge-offs (x) | 30.5345% | 1,673 |
| Efficiency ratio | 80.7688% | 661 |
| Assets per employee ($millions) | 6.5535% | 2,293 |
| Cash dividends to net income (ytd only)* | 41.7469% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 2,738 |
| Loan loss allowance to noncurrent loans | 135.6467% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 1,304 |
| Noncurrent loans to loans | 0.8332% | 895 |
| Net loans and leases to total assets | 46.5400% | 3,768 |
| Net loans and leases to deposits | 50.5358% | 3,872 |
| Net loans and leases to core deposits | 53.3930% | 3,843 |
| Total domestic deposits to total assets | 92.0900% | 618 |
| Equity capital to assets | 6.8756% | 3,724 |
| Core capital (leverage) ratio | 8.2111% | 4,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0773% | 1,116 |
| Memoranda: | ||
| Average total assets | $248,074,400 | 2,742 |
| Average earning assets | $230,371,200 | 2,733 |
| Average equity | $16,847,000 | 3,214 |
| Average total loans | $109,780,200 | 3,030 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4201% | 2,863 |
| Cost of funding earning assets | 0.0694% | 4,479 |
| Net interest margin | 3.3507% | 2,135 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.9849% | 923 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.5002% | 4,070 |
| Return on assets (ROA) | 0.5002% | 4,019 |
| Pretax return on assets | 0.5051% | 4,141 |
| Return on Equity (ROE) | 7.3900% | 3,496 |
| Retained earnings to average equity (ytd only) | 3.4416% | 3,651 |
| Net charge-offs to loans | 0.1043% | 594 |
| Credit loss provision to net charge-offs | 127.0588% | 1,189 |
| Earnings coverage of net charge-offs (x) | 12.3882% | 1,920 |
| Efficiency ratio | 84.1368% | 538 |
| Assets per employee ($millions) | 6.7766% | 2,110 |
| Cash dividends to net income (ytd only)* | 53.4188% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 3,169 |
| Loan loss allowance to noncurrent loans | 96.8059% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 1,097 |
| Noncurrent loans to loans | 1.1014% | 681 |
| Net loans and leases to total assets | 44.9600% | 3,822 |
| Net loans and leases to deposits | 48.6198% | 3,929 |
| Net loans and leases to core deposits | 50.2216% | 3,931 |
| Total domestic deposits to total assets | 92.4700% | 725 |
| Equity capital to assets | 6.4220% | 3,781 |
| Core capital (leverage) ratio | 7.7814% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8707% | 1,205 |
| Memoranda: | ||
| Average total assets | $249,473,250 | 2,751 |
| Average earning assets | $232,381,750 | 2,742 |
| Average equity | $16,890,750 | 3,248 |
| Average total loans | $108,690,000 | 3,050 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2274% | 2,962 |
| Cost of funding earning assets | 0.0684% | 4,469 |
| Net interest margin | 3.1590% | 2,332 |
| Noninterest income to average assets | 0.3804% | 2,868 |
| Noninterest expense to average assets | 2.9708% | 881 |
| Loan and lease loss provision to assets | 0.0215% | 2,216 |
| Net operating income to assets | 0.3303% | 4,235 |
| Return on assets (ROA) | 0.3303% | 4,188 |
| Pretax return on assets | 0.3271% | 4,262 |
| Return on Equity (ROE) | 4.7981% | 3,857 |
| Retained earnings to average equity (ytd only) | -0.9827% | 4,294 |
| Net charge-offs to loans | 0.1297% | 487 |
| Credit loss provision to net charge-offs | 38.5714% | 1,536 |
| Earnings coverage of net charge-offs (x) | 6.2571% | 1,905 |
| Efficiency ratio | 89.4989% | 432 |
| Assets per employee ($millions) | 6.7623% | 2,106 |
| Cash dividends to net income (ytd only)* | 120.4819% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,526 |
| Loan loss allowance to noncurrent loans | 87.0515% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 1,027 |
| Noncurrent loans to loans | 1.1680% | 689 |
| Net loans and leases to total assets | 44.6293% | 3,786 |
| Net loans and leases to deposits | 48.3028% | 3,904 |
| Net loans and leases to core deposits | 49.8415% | 3,941 |
| Total domestic deposits to total assets | 92.3949% | 692 |
| Equity capital to assets | 6.5782% | 3,984 |
| Core capital (leverage) ratio | 7.0759% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4343% | 1,319 |
| Memoranda: | ||
| Average total assets | $251,311,333 | 2,768 |
| Average earning assets | $233,808,667 | 2,763 |
| Average equity | $17,298,667 | 3,294 |
| Average total loans | $107,967,333 | 3,093 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9600% | 3,370 |
| Cost of funding earning assets | 0.0658% | 4,488 |
| Net interest margin | 2.8941% | 2,859 |
| Noninterest income to average assets | 0.3025% | 3,303 |
| Noninterest expense to average assets | 2.9838% | 841 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0235% | 4,532 |
| Return on assets (ROA) | 0.0235% | 4,513 |
| Pretax return on assets | 0.0063% | 4,516 |
| Return on Equity (ROE) | 0.3344% | 4,498 |
| Retained earnings to average equity (ytd only) | -10.8132% | 4,574 |
| Net charge-offs to loans | 0.0299% | 1,012 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 1,769 |
| Efficiency ratio | 99.7904% | 247 |
| Assets per employee ($millions) | 7.0472% | 1,961 |
| Cash dividends to net income (ytd only)* | 3,333.3333% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,363 |
| Loan loss allowance to noncurrent loans | 74.7888% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 429 |
| Noncurrent loans to loans | 1.4580% | 572 |
| Net loans and leases to total assets | 38.9859% | 4,073 |
| Net loans and leases to deposits | 42.0550% | 4,159 |
| Net loans and leases to core deposits | 43.1410% | 4,196 |
| Total domestic deposits to total assets | 92.7022% | 345 |
| Equity capital to assets | 6.3597% | 4,482 |
| Core capital (leverage) ratio | 7.2820% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3288% | 1,419 |
| Memoranda: | ||
| Average total assets | $255,246,500 | 2,752 |
| Average earning assets | $237,030,500 | 2,753 |
| Average equity | $17,941,000 | 3,334 |
| Average total loans | $107,070,000 | 3,096 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 2,043 |
| Cost of funding earning assets | 0.0738% | 4,563 |
| Net interest margin | 3.6513% | 1,336 |
| Noninterest income to average assets | 0.4054% | 3,021 |
| Noninterest expense to average assets | 3.2051% | 721 |
| Loan and lease loss provision to assets | 0.1081% | 1,169 |
| Net operating income to assets | 0.4499% | 4,184 |
| Return on assets (ROA) | 0.4503% | 4,227 |
| Pretax return on assets | 0.4614% | 4,309 |
| Return on Equity (ROE) | 5.3964% | 3,910 |
| Retained earnings to average equity (ytd only) | 2.7302% | 3,749 |
| Net charge-offs to loans | 0.2108% | 450 |
| Credit loss provision to net charge-offs | 101.2500% | 1,780 |
| Earnings coverage of net charge-offs (x) | 5.3292% | 2,450 |
| Efficiency ratio | 84.9210% | 523 |
| Assets per employee ($millions) | 6.7416% | 2,115 |
| Cash dividends to net income (ytd only)* | 49.4071% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,488 |
| Loan loss allowance to noncurrent loans | 98.6383% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1327% | 453 |
| Noncurrent loans to loans | 1.0821% | 896 |
| Net loans and leases to total assets | 44.2639% | 3,822 |
| Net loans and leases to deposits | 48.4200% | 3,971 |
| Net loans and leases to core deposits | 49.8159% | 4,021 |
| Total domestic deposits to total assets | 91.4165% | 339 |
| Equity capital to assets | 7.7672% | 4,483 |
| Core capital (leverage) ratio | 7.8559% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8262% | 1,307 |
| Memoranda: | ||
| Average total assets | $224,738,800 | 2,875 |
| Average earning assets | $207,350,600 | 2,902 |
| Average equity | $18,753,400 | 3,323 |
| Average total loans | $113,873,400 | 3,011 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 1,728 |
| Cost of funding earning assets | 0.0749% | 4,662 |
| Net interest margin | 3.8364% | 1,048 |
| Noninterest income to average assets | 0.4262% | 2,951 |
| Noninterest expense to average assets | 3.2108% | 698 |
| Loan and lease loss provision to assets | 0.1471% | 770 |
| Net operating income to assets | 0.5866% | 4,025 |
| Return on assets (ROA) | 0.5872% | 4,074 |
| Pretax return on assets | 0.6042% | 4,227 |
| Return on Equity (ROE) | 6.9053% | 3,692 |
| Retained earnings to average equity (ytd only) | 3.3459% | 3,787 |
| Net charge-offs to loans | 0.1192% | 660 |
| Credit loss provision to net charge-offs | 235.9223% | 1,129 |
| Earnings coverage of net charge-offs (x) | 12.0388% | 1,969 |
| Efficiency ratio | 81.0513% | 696 |
| Assets per employee ($millions) | 6.6482% | 2,136 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,296 |
| Loan loss allowance to noncurrent loans | 103.1847% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.3301% | 423 |
| Noncurrent loans to loans | 1.0938% | 1,032 |
| Net loans and leases to total assets | 48.7928% | 3,543 |
| Net loans and leases to deposits | 53.7065% | 3,766 |
| Net loans and leases to core deposits | 55.3363% | 3,826 |
| Total domestic deposits to total assets | 90.8508% | 417 |
| Equity capital to assets | 8.1651% | 4,431 |
| Core capital (leverage) ratio | 8.0597% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0592% | 1,122 |
| Memoranda: | ||
| Average total assets | $220,248,750 | 2,933 |
| Average earning assets | $202,963,000 | 2,960 |
| Average equity | $18,729,000 | 3,367 |
| Average total loans | $115,195,000 | 3,036 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 1,315 |
| Cost of funding earning assets | 0.0764% | 4,714 |
| Net interest margin | 4.0441% | 762 |
| Noninterest income to average assets | 0.3702% | 3,262 |
| Noninterest expense to average assets | 3.2614% | 649 |
| Loan and lease loss provision to assets | 0.1499% | 794 |
| Net operating income to assets | 0.6571% | 3,860 |
| Return on assets (ROA) | 0.6580% | 3,919 |
| Pretax return on assets | 0.6830% | 4,097 |
| Return on Equity (ROE) | 7.6292% | 3,496 |
| Retained earnings to average equity (ytd only) | 2.2641% | 4,054 |
| Net charge-offs to loans | 0.0624% | 992 |
| Credit loss provision to net charge-offs | 450.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 24.9722% | 1,421 |
| Efficiency ratio | 79.6744% | 808 |
| Assets per employee ($millions) | 6.3443% | 2,291 |
| Cash dividends to net income (ytd only)* | 70.3235% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,257 |
| Loan loss allowance to noncurrent loans | 75.8131% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.6055% | 332 |
| Noncurrent loans to loans | 1.4991% | 756 |
| Net loans and leases to total assets | 50.2231% | 3,541 |
| Net loans and leases to deposits | 55.4720% | 3,757 |
| Net loans and leases to core deposits | 57.2422% | 3,815 |
| Total domestic deposits to total assets | 90.5378% | 542 |
| Equity capital to assets | 8.4395% | 4,249 |
| Core capital (leverage) ratio | 8.2470% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,103,000 | 2,966 |
| Average earning assets | $198,957,333 | 2,989 |
| Average equity | $18,639,000 | 3,369 |
| Average total loans | $115,316,667 | 3,049 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 1,366 |
| Cost of funding earning assets | 0.0773% | 4,760 |
| Net interest margin | 4.0301% | 810 |
| Noninterest income to average assets | 0.5293% | 2,485 |
| Noninterest expense to average assets | 3.2450% | 659 |
| Loan and lease loss provision to assets | 0.1520% | 852 |
| Net operating income to assets | 0.8051% | 3,408 |
| Return on assets (ROA) | 0.8051% | 3,478 |
| Pretax return on assets | 0.8483% | 3,727 |
| Return on Equity (ROE) | 9.2315% | 2,948 |
| Retained earnings to average equity (ytd only) | -1.5278% | 4,509 |
| Net charge-offs to loans | 0.0995% | 689 |
| Credit loss provision to net charge-offs | 279.3103% | 785 |
| Earnings coverage of net charge-offs (x) | 18.3793% | 1,280 |
| Efficiency ratio | 76.4368% | 1,094 |
| Assets per employee ($millions) | 6.1024% | 2,492 |
| Cash dividends to net income (ytd only)* | 116.5501% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,699 |
| Loan loss allowance to noncurrent loans | 69.6254% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.7161% | 334 |
| Noncurrent loans to loans | 1.4905% | 840 |
| Net loans and leases to total assets | 52.4369% | 3,399 |
| Net loans and leases to deposits | 57.8883% | 3,653 |
| Net loans and leases to core deposits | 59.6487% | 3,727 |
| Total domestic deposits to total assets | 90.5829% | 550 |
| Equity capital to assets | 8.3979% | 4,196 |
| Core capital (leverage) ratio | 8.5770% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,129,000 | 2,983 |
| Average earning assets | $196,520,500 | 3,003 |
| Average equity | $18,588,500 | 3,363 |
| Average total loans | $116,573,500 | 3,044 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,060 |
| Cost of funding earning assets | 0.0860% | 4,894 |
| Net interest margin | 4.1435% | 722 |
| Noninterest income to average assets | 0.5343% | 2,490 |
| Noninterest expense to average assets | 3.3703% | 825 |
| Loan and lease loss provision to assets | 0.1859% | 2,095 |
| Net operating income to assets | 0.7084% | 3,409 |
| Return on assets (ROA) | 0.7397% | 3,422 |
| Pretax return on assets | 0.8162% | 3,594 |
| Return on Equity (ROE) | 8.1913% | 2,742 |
| Retained earnings to average equity (ytd only) | 5.4240% | 2,081 |
| Net charge-offs to loans | 0.2926% | 592 |
| Credit loss provision to net charge-offs | 111.0448% | 2,717 |
| Earnings coverage of net charge-offs (x) | 5.7791% | 2,837 |
| Efficiency ratio | 77.6933% | 1,059 |
| Assets per employee ($millions) | 5.7381% | 2,592 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 3,908 |
| Loan loss allowance to noncurrent loans | 52.4263% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.9199% | 302 |
| Noncurrent loans to loans | 1.8888% | 636 |
| Net loans and leases to total assets | 55.9546% | 3,308 |
| Net loans and leases to deposits | 62.1152% | 3,597 |
| Net loans and leases to core deposits | 64.0488% | 3,687 |
| Total domestic deposits to total assets | 90.0820% | 534 |
| Equity capital to assets | 9.0660% | 4,002 |
| Core capital (leverage) ratio | 8.5689% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,071,000 | 2,944 |
| Average earning assets | $183,659,600 | 2,963 |
| Average equity | $18,068,000 | 3,358 |
| Average total loans | $114,508,600 | 3,039 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 1,845 |
| Cost of funding earning assets | 0.0873% | 4,951 |
| Net interest margin | 4.3155% | 568 |
| Noninterest income to average assets | 0.5321% | 2,463 |
| Noninterest expense to average assets | 3.3654% | 832 |
| Loan and lease loss provision to assets | 0.1875% | 2,108 |
| Net operating income to assets | 0.8512% | 2,906 |
| Return on assets (ROA) | 0.8849% | 2,877 |
| Pretax return on assets | 0.9688% | 3,165 |
| Return on Equity (ROE) | 9.8082% | 2,088 |
| Retained earnings to average equity (ytd only) | 6.0845% | 2,070 |
| Net charge-offs to loans | 0.2551% | 604 |
| Credit loss provision to net charge-offs | 127.9817% | 2,455 |
| Earnings coverage of net charge-offs (x) | 7.6422% | 2,563 |
| Efficiency ratio | 75.0412% | 1,296 |
| Assets per employee ($millions) | 6.1954% | 2,089 |
| Cash dividends to net income (ytd only)* | 37.9651% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 3,771 |
| Loan loss allowance to noncurrent loans | 48.2420% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.8773% | 385 |
| Noncurrent loans to loans | 2.0392% | 593 |
| Net loans and leases to total assets | 53.2519% | 3,867 |
| Net loans and leases to deposits | 58.6848% | 4,134 |
| Net loans and leases to core deposits | 60.3628% | 4,184 |
| Total domestic deposits to total assets | 90.7423% | 223 |
| Equity capital to assets | 8.3413% | 4,552 |
| Core capital (leverage) ratio | 8.2519% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,445,500 | 2,939 |
| Average earning assets | $181,758,750 | 2,958 |
| Average equity | $17,903,000 | 3,377 |
| Average total loans | $113,950,000 | 3,058 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 1,157 |
| Cost of funding earning assets | 0.0922% | 4,985 |
| Net interest margin | 4.7147% | 328 |
| Noninterest income to average assets | 0.5456% | 2,371 |
| Noninterest expense to average assets | 3.4807% | 763 |
| Loan and lease loss provision to assets | 0.1955% | 2,085 |
| Net operating income to assets | 1.0657% | 2,090 |
| Return on assets (ROA) | 1.1059% | 2,070 |
| Pretax return on assets | 1.2163% | 2,308 |
| Return on Equity (ROE) | 11.9076% | 1,349 |
| Retained earnings to average equity (ytd only) | 6.2481% | 1,963 |
| Net charge-offs to loans | 0.2090% | 746 |
| Credit loss provision to net charge-offs | 158.9744% | 2,085 |
| Earnings coverage of net charge-offs (x) | 11.1197% | 2,113 |
| Efficiency ratio | 71.7910% | 1,715 |
| Assets per employee ($millions) | 6.2851% | 1,964 |
| Cash dividends to net income (ytd only)* | 47.5285% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,629 |
| Loan loss allowance to noncurrent loans | 47.9032% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.9888% | 359 |
| Noncurrent loans to loans | 2.0636% | 641 |
| Net loans and leases to total assets | 57.3715% | 3,567 |
| Net loans and leases to deposits | 63.6473% | 3,905 |
| Net loans and leases to core deposits | 65.6191% | 3,984 |
| Total domestic deposits to total assets | 90.1397% | 364 |
| Equity capital to assets | 8.8695% | 4,197 |
| Core capital (leverage) ratio | 8.9058% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,248,667 | 2,984 |
| Average earning assets | $173,626,000 | 3,020 |
| Average equity | $17,669,333 | 3,397 |
| Average total loans | $111,949,667 | 3,070 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 2,050 |
| Cost of funding earning assets | 0.1013% | 5,040 |
| Net interest margin | 4.4804% | 530 |
| Noninterest income to average assets | 0.6165% | 1,967 |
| Noninterest expense to average assets | 3.5911% | 815 |
| Loan and lease loss provision to assets | 0.2048% | 1,490 |
| Net operating income to assets | 0.8688% | 2,621 |
| Return on assets (ROA) | 0.9005% | 2,624 |
| Pretax return on assets | 0.9424% | 3,027 |
| Return on Equity (ROE) | 9.4534% | 1,934 |
| Retained earnings to average equity (ytd only) | -2.1033% | 4,265 |
| Net charge-offs to loans | 0.4155% | 352 |
| Credit loss provision to net charge-offs | 83.0357% | 1,926 |
| Earnings coverage of net charge-offs (x) | 4.5179% | 2,133 |
| Efficiency ratio | 76.3219% | 1,530 |
| Assets per employee ($millions) | 5.3619% | 2,262 |
| Cash dividends to net income (ytd only)* | 122.2494% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 3,644 |
| Loan loss allowance to noncurrent loans | 50.8083% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 2.1311% | 361 |
| Noncurrent loans to loans | 1.9896% | 715 |
| Net loans and leases to total assets | 59.0851% | 3,586 |
| Net loans and leases to deposits | 66.0182% | 3,862 |
| Net loans and leases to core deposits | 68.3716% | 3,969 |
| Total domestic deposits to total assets | 89.4983% | 470 |
| Equity capital to assets | 9.4387% | 4,277 |
| Core capital (leverage) ratio | 9.1199% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,669,000 | 3,032 |
| Average earning assets | $165,788,500 | 3,054 |
| Average equity | $17,306,000 | 3,440 |
| Average total loans | $107,834,000 | 3,110 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 2,178 |
| Cost of funding earning assets | 0.1059% | 5,097 |
| Net interest margin | 4.6508% | 518 |
| Noninterest income to average assets | 0.5906% | 2,267 |
| Noninterest expense to average assets | 3.7402% | 723 |
| Loan and lease loss provision to assets | 0.1985% | 1,024 |
| Net operating income to assets | 0.7896% | 3,585 |
| Return on assets (ROA) | 0.7896% | 3,664 |
| Pretax return on assets | 0.8905% | 3,766 |
| Return on Equity (ROE) | 8.5986% | 2,908 |
| Retained earnings to average equity (ytd only) | 6.0467% | 1,842 |
| Net charge-offs to loans | 0.1503% | 1,322 |
| Credit loss provision to net charge-offs | 213.0178% | 1,240 |
| Earnings coverage of net charge-offs (x) | 11.6864% | 2,474 |
| Efficiency ratio | 77.4492% | 1,215 |
| Assets per employee ($millions) | 4.8928% | 2,715 |
| Cash dividends to net income (ytd only)* | 29.6788% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 3,234 |
| Loan loss allowance to noncurrent loans | 53.2604% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.0692% | 370 |
| Noncurrent loans to loans | 1.9662% | 657 |
| Net loans and leases to total assets | 58.4058% | 3,732 |
| Net loans and leases to deposits | 65.1784% | 3,996 |
| Net loans and leases to core deposits | 67.2157% | 4,125 |
| Total domestic deposits to total assets | 89.6092% | 459 |
| Equity capital to assets | 9.6142% | 4,261 |
| Core capital (leverage) ratio | 9.4740% | 4,091 |
| Tier 1 risk-based capital ratio | 14.8750% | 2,833 |
| Total risk-based capital ratio | 15.8587% | 2,863 |
| Memoranda: | ||
| Average total assets | $181,353,800 | 3,009 |
| Average earning assets | $165,285,000 | 3,036 |
| Average equity | $16,653,800 | 3,472 |
| Average total loans | $112,444,800 | 3,048 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 2,193 |
| Cost of funding earning assets | 0.1057% | 5,174 |
| Net interest margin | 4.6703% | 524 |
| Noninterest income to average assets | 0.5636% | 2,392 |
| Noninterest expense to average assets | 3.7096% | 741 |
| Loan and lease loss provision to assets | 0.1984% | 890 |
| Net operating income to assets | 0.7576% | 3,827 |
| Return on assets (ROA) | 0.7576% | 3,891 |
| Pretax return on assets | 0.9098% | 3,843 |
| Return on Equity (ROE) | 8.3483% | 3,176 |
| Retained earnings to average equity (ytd only) | 6.7288% | 1,995 |
| Net charge-offs to loans | 0.1722% | 987 |
| Credit loss provision to net charge-offs | 183.6735% | 1,409 |
| Earnings coverage of net charge-offs (x) | 10.2583% | 2,509 |
| Efficiency ratio | 76.9982% | 1,221 |
| Assets per employee ($millions) | 4.9337% | 2,632 |
| Cash dividends to net income (ytd only)* | 19.3987% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 3,895 |
| Loan loss allowance to noncurrent loans | 53.2961% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 2.0365% | 423 |
| Noncurrent loans to loans | 1.7561% | 822 |
| Net loans and leases to total assets | 62.6337% | 3,428 |
| Net loans and leases to deposits | 70.0663% | 3,768 |
| Net loans and leases to core deposits | 72.3112% | 3,927 |
| Total domestic deposits to total assets | 89.3920% | 481 |
| Equity capital to assets | 9.6953% | 4,293 |
| Core capital (leverage) ratio | 9.2907% | 4,377 |
| Tier 1 risk-based capital ratio | 14.1982% | 3,227 |
| Total risk-based capital ratio | 15.0925% | 3,313 |
| Memoranda: | ||
| Average total assets | $181,433,500 | 3,027 |
| Average earning assets | $165,266,500 | 3,065 |
| Average equity | $16,466,000 | 3,519 |
| Average total loans | $113,842,500 | 3,063 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7731% | 2,148 |
| Cost of funding earning assets | 0.1057% | 5,221 |
| Net interest margin | 4.6673% | 529 |
| Noninterest income to average assets | 0.5221% | 2,556 |
| Noninterest expense to average assets | 3.6660% | 781 |
| Loan and lease loss provision to assets | 0.1970% | 878 |
| Net operating income to assets | 0.7411% | 3,864 |
| Return on assets (ROA) | 0.7411% | 3,926 |
| Pretax return on assets | 0.9107% | 3,817 |
| Return on Equity (ROE) | 8.3505% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.1170% | 1,752 |
| Net charge-offs to loans | 0.1679% | 959 |
| Credit loss provision to net charge-offs | 187.5000% | 1,273 |
| Earnings coverage of net charge-offs (x) | 10.5417% | 2,262 |
| Efficiency ratio | 76.7943% | 1,299 |
| Assets per employee ($millions) | 4.9434% | 2,545 |
| Cash dividends to net income (ytd only)* | 14.7710% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 4,044 |
| Loan loss allowance to noncurrent loans | 48.3286% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.0623% | 439 |
| Noncurrent loans to loans | 1.8855% | 789 |
| Net loans and leases to total assets | 60.1668% | 3,718 |
| Net loans and leases to deposits | 66.8855% | 4,032 |
| Net loans and leases to core deposits | 68.9481% | 4,156 |
| Total domestic deposits to total assets | 89.9549% | 346 |
| Equity capital to assets | 9.2452% | 4,618 |
| Core capital (leverage) ratio | 8.8256% | 4,769 |
| Tier 1 risk-based capital ratio | 13.9674% | 3,335 |
| Total risk-based capital ratio | 14.8276% | 3,438 |
| Memoranda: | ||
| Average total assets | $182,707,330 | 3,023 |
| Average earning assets | $166,434,000 | 3,069 |
| Average equity | $16,214,670 | 3,546 |
| Average total loans | $114,358,000 | 3,066 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 2,178 |
| Cost of funding earning assets | 0.1058% | 5,272 |
| Net interest margin | 4.6084% | 602 |
| Noninterest income to average assets | 0.4950% | 2,583 |
| Noninterest expense to average assets | 3.7151% | 739 |
| Loan and lease loss provision to assets | 0.1971% | 822 |
| Net operating income to assets | 0.6374% | 4,128 |
| Return on assets (ROA) | 0.6374% | 4,169 |
| Pretax return on assets | 0.7798% | 4,094 |
| Return on Equity (ROE) | 7.3360% | 3,530 |
| Retained earnings to average equity (ytd only) | 7.3360% | 1,907 |
| Net charge-offs to loans | 0.1000% | 1,141 |
| Credit loss provision to net charge-offs | 310.3448% | 801 |
| Earnings coverage of net charge-offs (x) | 15.3793% | 1,739 |
| Efficiency ratio | 79.1783% | 1,137 |
| Assets per employee ($millions) | 5.2511% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 4,280 |
| Loan loss allowance to noncurrent loans | 59.7944% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.8504% | 558 |
| Noncurrent loans to loans | 1.4509% | 1,113 |
| Net loans and leases to total assets | 59.7816% | 3,731 |
| Net loans and leases to deposits | 65.8401% | 4,066 |
| Net loans and leases to core deposits | 67.6658% | 4,200 |
| Total domestic deposits to total assets | 90.7981% | 207 |
| Equity capital to assets | 8.5623% | 4,950 |
| Core capital (leverage) ratio | 8.9160% | 4,709 |
| Tier 1 risk-based capital ratio | 13.3500% | 3,691 |
| Total risk-based capital ratio | 14.1729% | 3,812 |
| Memoranda: | ||
| Average total assets | $182,608,500 | 3,061 |
| Average earning assets | $166,304,000 | 3,099 |
| Average equity | $15,867,000 | 3,599 |
| Average total loans | $116,007,000 | 3,062 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6863% | 1,873 |
| Cost of funding earning assets | 0.1044% | 5,278 |
| Net interest margin | 4.5819% | 626 |
| Noninterest income to average assets | 0.5780% | 2,405 |
| Noninterest expense to average assets | 3.4753% | 1,024 |
| Loan and lease loss provision to assets | 0.3619% | 410 |
| Net operating income to assets | 0.7210% | 4,075 |
| Return on assets (ROA) | 0.7210% | 4,080 |
| Pretax return on assets | 0.8829% | 3,938 |
| Return on Equity (ROE) | 8.6734% | 3,155 |
| Retained earnings to average equity (ytd only) | 5.9861% | 2,201 |
| Net charge-offs to loans | 0.7668% | 204 |
| Credit loss provision to net charge-offs | 73.3032% | 2,951 |
| Earnings coverage of net charge-offs (x) | 2.5215% | 3,510 |
| Efficiency ratio | 73.6275% | 1,680 |
| Assets per employee ($millions) | 4.8939% | 2,624 |
| Cash dividends to net income (ytd only)* | 30.9837% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 4,579 |
| Loan loss allowance to noncurrent loans | 66.9070% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 1.8339% | 556 |
| Noncurrent loans to loans | 1.1753% | 1,373 |
| Net loans and leases to total assets | 66.4591% | 3,063 |
| Net loans and leases to deposits | 73.4857% | 3,545 |
| Net loans and leases to core deposits | 75.6811% | 3,744 |
| Total domestic deposits to total assets | 90.4381% | 342 |
| Equity capital to assets | 8.8280% | 4,710 |
| Core capital (leverage) ratio | 9.0028% | 4,650 |
| Tier 1 risk-based capital ratio | 13.1777% | 3,739 |
| Total risk-based capital ratio | 13.9494% | 3,902 |
| Memoranda: | ||
| Average total assets | $179,061,600 | 3,065 |
| Average earning assets | $161,877,400 | 3,123 |
| Average equity | $14,884,600 | 3,655 |
| Average total loans | $115,277,400 | 3,054 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6579% | 1,803 |
| Cost of funding earning assets | 0.1018% | 5,351 |
| Net interest margin | 4.5561% | 659 |
| Noninterest income to average assets | 0.6637% | 2,010 |
| Noninterest expense to average assets | 3.4433% | 1,064 |
| Loan and lease loss provision to assets | 0.3389% | 409 |
| Net operating income to assets | 0.8195% | 3,843 |
| Return on assets (ROA) | 0.8195% | 3,855 |
| Pretax return on assets | 0.9953% | 3,730 |
| Return on Equity (ROE) | 10.0105% | 2,620 |
| Retained earnings to average equity (ytd only) | 6.3868% | 2,442 |
| Net charge-offs to loans | 0.5573% | 267 |
| Credit loss provision to net charge-offs | 95.4071% | 2,360 |
| Earnings coverage of net charge-offs (x) | 3.7558% | 3,129 |
| Efficiency ratio | 72.0739% | 1,871 |
| Assets per employee ($millions) | 4.8465% | 2,661 |
| Cash dividends to net income (ytd only)* | 36.1990% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,016 |
| Loan loss allowance to noncurrent loans | 58.9572% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 2.0951% | 496 |
| Noncurrent loans to loans | 1.6266% | 973 |
| Net loans and leases to total assets | 65.7699% | 3,206 |
| Net loans and leases to deposits | 72.4528% | 3,733 |
| Net loans and leases to core deposits | 75.0949% | 3,871 |
| Total domestic deposits to total assets | 90.7762% | 274 |
| Equity capital to assets | 8.4023% | 4,981 |
| Core capital (leverage) ratio | 8.5849% | 5,046 |
| Tier 1 risk-based capital ratio | 12.7901% | 4,029 |
| Total risk-based capital ratio | 13.7228% | 4,101 |
| Memoranda: | ||
| Average total assets | $179,782,250 | 3,074 |
| Average earning assets | $162,329,250 | 3,136 |
| Average equity | $14,717,500 | 3,696 |
| Average total loans | $114,593,000 | 3,088 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5333% | 1,989 |
| Cost of funding earning assets | 0.1012% | 5,407 |
| Net interest margin | 4.4321% | 795 |
| Noninterest income to average assets | 0.6558% | 2,064 |
| Noninterest expense to average assets | 3.4568% | 1,055 |
| Loan and lease loss provision to assets | 0.3390% | 396 |
| Net operating income to assets | 0.6536% | 4,336 |
| Return on assets (ROA) | 0.6536% | 4,345 |
| Pretax return on assets | 0.8536% | 4,102 |
| Return on Equity (ROE) | 8.0542% | 3,478 |
| Retained earnings to average equity (ytd only) | 2.5752% | 4,230 |
| Net charge-offs to loans | 0.8382% | 157 |
| Credit loss provision to net charge-offs | 64.3460% | 2,401 |
| Earnings coverage of net charge-offs (x) | 2.2637% | 2,987 |
| Efficiency ratio | 74.3486% | 1,658 |
| Assets per employee ($millions) | 5.0504% | 2,351 |
| Cash dividends to net income (ytd only)* | 68.0272% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 4,507 |
| Loan loss allowance to noncurrent loans | 55.0636% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.9410% | 563 |
| Noncurrent loans to loans | 1.5642% | 1,047 |
| Net loans and leases to total assets | 61.2882% | 3,674 |
| Net loans and leases to deposits | 67.1142% | 4,089 |
| Net loans and leases to core deposits | 69.1184% | 4,197 |
| Total domestic deposits to total assets | 91.3193% | 185 |
| Equity capital to assets | 7.8507% | 5,276 |
| Core capital (leverage) ratio | 8.3086% | 5,209 |
| Tier 1 risk-based capital ratio | 12.3504% | 4,274 |
| Total risk-based capital ratio | 13.1699% | 4,430 |
| Memoranda: | ||
| Average total assets | $179,936,670 | 3,093 |
| Average earning assets | $162,135,000 | 3,163 |
| Average equity | $14,601,000 | 3,731 |
| Average total loans | $113,097,330 | 3,124 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5367% | 1,755 |
| Cost of funding earning assets | 0.1037% | 5,455 |
| Net interest margin | 4.4331% | 712 |
| Noninterest income to average assets | 0.6664% | 1,973 |
| Noninterest expense to average assets | 3.5450% | 929 |
| Loan and lease loss provision to assets | 0.3445% | 355 |
| Net operating income to assets | 0.4080% | 4,913 |
| Return on assets (ROA) | 0.4080% | 4,913 |
| Pretax return on assets | 0.7503% | 4,296 |
| Return on Equity (ROE) | 4.9428% | 4,518 |
| Retained earnings to average equity (ytd only) | -6.0413% | 5,253 |
| Net charge-offs to loans | 0.0358% | 1,808 |
| Credit loss provision to net charge-offs | 1,520.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 48.3000% | 965 |
| Efficiency ratio | 76.4045% | 1,540 |
| Assets per employee ($millions) | 4.7121% | 2,843 |
| Cash dividends to net income (ytd only)* | 222.2222% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 3,079 |
| Loan loss allowance to noncurrent loans | 57.1054% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 3.0108% | 269 |
| Noncurrent loans to loans | 2.0176% | 783 |
| Net loans and leases to total assets | 62.5741% | 3,479 |
| Net loans and leases to deposits | 68.6489% | 3,904 |
| Net loans and leases to core deposits | 70.6822% | 4,048 |
| Total domestic deposits to total assets | 91.1509% | 272 |
| Equity capital to assets | 7.9890% | 5,274 |
| Core capital (leverage) ratio | 8.5128% | 5,135 |
| Tier 1 risk-based capital ratio | 12.2737% | 4,394 |
| Total risk-based capital ratio | 13.3759% | 4,368 |
| Memoranda: | ||
| Average total assets | $176,473,500 | 3,169 |
| Average earning assets | $158,175,000 | 3,235 |
| Average equity | $14,566,500 | 3,763 |
| Average total loans | $111,886,000 | 3,167 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 1,220 |
| Cost of funding earning assets | 0.1258% | 5,384 |
| Net interest margin | 4.5659% | 535 |
| Noninterest income to average assets | 0.5596% | 2,660 |
| Noninterest expense to average assets | 3.7648% | 727 |
| Loan and lease loss provision to assets | 0.3476% | 455 |
| Net operating income to assets | 0.7096% | 3,559 |
| Return on assets (ROA) | 0.7102% | 3,611 |
| Pretax return on assets | 0.5260% | 4,886 |
| Return on Equity (ROE) | 8.5009% | 2,541 |
| Retained earnings to average equity (ytd only) | 5.7274% | 1,691 |
| Net charge-offs to loans | 0.2139% | 1,216 |
| Credit loss provision to net charge-offs | 254.2373% | 1,084 |
| Earnings coverage of net charge-offs (x) | 6.3856% | 3,191 |
| Efficiency ratio | 81.1766% | 991 |
| Assets per employee ($millions) | 4.5760% | 3,068 |
| Cash dividends to net income (ytd only)* | 32.6264% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 3,608 |
| Loan loss allowance to noncurrent loans | 57.6313% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.9456% | 276 |
| Noncurrent loans to loans | 1.8275% | 876 |
| Net loans and leases to total assets | 62.8326% | 3,504 |
| Net loans and leases to deposits | 69.1797% | 3,936 |
| Net loans and leases to core deposits | 71.7205% | 4,070 |
| Total domestic deposits to total assets | 90.8252% | 288 |
| Equity capital to assets | 8.5273% | 5,105 |
| Core capital (leverage) ratio | 8.6522% | 4,990 |
| Tier 1 risk-based capital ratio | 12.5048% | 4,203 |
| Total risk-based capital ratio | 13.4997% | 4,269 |
| Memoranda: | ||
| Average total assets | $172,626,000 | 3,216 |
| Average earning assets | $154,185,400 | 3,270 |
| Average equity | $14,422,000 | 3,792 |
| Average total loans | $110,353,200 | 3,175 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,103 |
| Cost of funding earning assets | 0.1274% | 5,441 |
| Net interest margin | 4.5873% | 500 |
| Noninterest income to average assets | 0.5494% | 2,732 |
| Noninterest expense to average assets | 3.7954% | 674 |
| Loan and lease loss provision to assets | 0.3482% | 431 |
| Net operating income to assets | 0.7939% | 3,543 |
| Return on assets (ROA) | 0.7939% | 3,596 |
| Pretax return on assets | 0.5014% | 5,025 |
| Return on Equity (ROE) | 9.5525% | 2,322 |
| Retained earnings to average equity (ytd only) | 5.8284% | 2,358 |
| Net charge-offs to loans | 0.2223% | 975 |
| Credit loss provision to net charge-offs | 244.5652% | 1,151 |
| Earnings coverage of net charge-offs (x) | 5.9673% | 3,041 |
| Efficiency ratio | 81.7091% | 941 |
| Assets per employee ($millions) | 4.4871% | 3,172 |
| Cash dividends to net income (ytd only)* | 38.9862% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 4,246 |
| Loan loss allowance to noncurrent loans | 53.8384% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 3.0321% | 291 |
| Noncurrent loans to loans | 1.7987% | 996 |
| Net loans and leases to total assets | 63.9331% | 3,410 |
| Net loans and leases to deposits | 70.6619% | 3,903 |
| Net loans and leases to core deposits | 73.4525% | 4,025 |
| Total domestic deposits to total assets | 90.4774% | 337 |
| Equity capital to assets | 8.7003% | 5,146 |
| Core capital (leverage) ratio | 8.4982% | 5,251 |
| Tier 1 risk-based capital ratio | 12.2732% | 4,451 |
| Total risk-based capital ratio | 13.1795% | 4,554 |
| Memoranda: | ||
| Average total assets | $172,310,250 | 3,239 |
| Average earning assets | $153,841,750 | 3,302 |
| Average equity | $14,320,500 | 3,848 |
| Average total loans | $110,336,000 | 3,200 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,027 |
| Cost of funding earning assets | 0.1283% | 5,458 |
| Net interest margin | 4.5863% | 487 |
| Noninterest income to average assets | 0.5043% | 3,000 |
| Noninterest expense to average assets | 3.8806% | 606 |
| Loan and lease loss provision to assets | 0.3470% | 415 |
| Net operating income to assets | 0.6605% | 4,027 |
| Return on assets (ROA) | 0.6605% | 4,085 |
| Pretax return on assets | 0.3690% | 5,238 |
| Return on Equity (ROE) | 8.0712% | 2,987 |
| Retained earnings to average equity (ytd only) | 2.4171% | 4,239 |
| Net charge-offs to loans | 0.2626% | 782 |
| Credit loss provision to net charge-offs | 206.8966% | 1,240 |
| Earnings coverage of net charge-offs (x) | 4.2690% | 2,956 |
| Efficiency ratio | 84.4238% | 808 |
| Assets per employee ($millions) | 4.4449% | 3,204 |
| Cash dividends to net income (ytd only)* | 70.0525% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 4,767 |
| Loan loss allowance to noncurrent loans | 47.9418% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 3.0412% | 299 |
| Noncurrent loans to loans | 1.8063% | 996 |
| Net loans and leases to total assets | 63.0645% | 3,503 |
| Net loans and leases to deposits | 69.3995% | 3,953 |
| Net loans and leases to core deposits | 72.0790% | 4,090 |
| Total domestic deposits to total assets | 90.8717% | 255 |
| Equity capital to assets | 8.3357% | 5,393 |
| Core capital (leverage) ratio | 8.3241% | 5,332 |
| Tier 1 risk-based capital ratio | 11.9799% | 4,648 |
| Total risk-based capital ratio | 12.7894% | 4,828 |
| Memoranda: | ||
| Average total assets | $172,910,000 | 3,249 |
| Average earning assets | $154,284,330 | 3,315 |
| Average equity | $14,149,000 | 3,876 |
| Average total loans | $110,421,670 | 3,216 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 1,100 |
| Cost of funding earning assets | 0.1299% | 5,492 |
| Net interest margin | 4.4858% | 535 |
| Noninterest income to average assets | 0.5050% | 2,951 |
| Noninterest expense to average assets | 3.7408% | 732 |
| Loan and lease loss provision to assets | 0.3474% | 344 |
| Net operating income to assets | 0.7088% | 3,670 |
| Return on assets (ROA) | 0.7088% | 3,709 |
| Pretax return on assets | 0.4169% | 5,129 |
| Return on Equity (ROE) | 8.7438% | 2,543 |
| Retained earnings to average equity (ytd only) | -2.6860% | 5,235 |
| Net charge-offs to loans | 0.3367% | 546 |
| Credit loss provision to net charge-offs | 161.2903% | 1,161 |
| Earnings coverage of net charge-offs (x) | 3.5484% | 2,471 |
| Efficiency ratio | 83.0334% | 1,059 |
| Assets per employee ($millions) | 4.6415% | 2,933 |
| Cash dividends to net income (ytd only)* | 130.7190% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 5,176 |
| Loan loss allowance to noncurrent loans | 65.9738% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.6846% | 402 |
| Noncurrent loans to loans | 1.1510% | 1,769 |
| Net loans and leases to total assets | 63.5007% | 3,332 |
| Net loans and leases to deposits | 69.5557% | 3,847 |
| Net loans and leases to core deposits | 72.2054% | 3,971 |
| Total domestic deposits to total assets | 91.2947% | 210 |
| Equity capital to assets | 7.9285% | 5,554 |
| Core capital (leverage) ratio | 8.1534% | 5,475 |
| Tier 1 risk-based capital ratio | 11.6896% | 4,917 |
| Total risk-based capital ratio | 12.4074% | 5,123 |
| Memoranda: | ||
| Average total assets | $172,689,500 | 3,284 |
| Average earning assets | $153,997,500 | 3,350 |
| Average equity | $13,998,500 | 3,920 |
| Average total loans | $110,493,500 | 3,243 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 1,157 |
| Cost of funding earning assets | 0.2109% | 4,917 |
| Net interest margin | 4.4440% | 702 |
| Noninterest income to average assets | 0.5014% | 3,228 |
| Noninterest expense to average assets | 4.5681% | 352 |
| Loan and lease loss provision to assets | 0.4406% | 328 |
| Net operating income to assets | -0.4646% | 5,779 |
| Return on assets (ROA) | -0.4234% | 5,781 |
| Pretax return on assets | -0.5132% | 5,781 |
| Return on Equity (ROE) | -4.7345% | 5,783 |
| Retained earnings to average equity (ytd only) | -7.9041% | 5,750 |
| Net charge-offs to loans | 0.5792% | 397 |
| Credit loss provision to net charge-offs | 120.1288% | 2,208 |
| Earnings coverage of net charge-offs (x) | -0.3333% | 4,150 |
| Efficiency ratio | 102.7497% | 189 |
| Assets per employee ($millions) | 4.6945% | 2,799 |
| Cash dividends to net income (ytd only)* | -66.9456% | 5,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7399% | 5,271 |
| Loan loss allowance to noncurrent loans | 58.5652% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.8988% | 366 |
| Noncurrent loans to loans | 1.2633% | 1,625 |
| Net loans and leases to total assets | 63.5077% | 3,416 |
| Net loans and leases to deposits | 69.6491% | 3,942 |
| Net loans and leases to core deposits | 72.4234% | 4,059 |
| Total domestic deposits to total assets | 91.1824% | 228 |
| Equity capital to assets | 8.2916% | 5,426 |
| Core capital (leverage) ratio | 8.6341% | 5,135 |
| Tier 1 risk-based capital ratio | 12.3614% | 4,469 |
| Total risk-based capital ratio | 13.0611% | 4,751 |
| Memoranda: | ||
| Average total assets | $169,325,800 | 3,291 |
| Average earning assets | $150,291,000 | 3,369 |
| Average equity | $15,144,000 | 3,792 |
| Average total loans | $107,220,000 | 3,255 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6699% | 1,136 |
| Cost of funding earning assets | 0.2335% | 4,764 |
| Net interest margin | 4.4364% | 725 |
| Noninterest income to average assets | 0.6477% | 2,433 |
| Noninterest expense to average assets | 3.9053% | 670 |
| Loan and lease loss provision to assets | 0.4053% | 359 |
| Net operating income to assets | 0.2833% | 5,315 |
| Return on assets (ROA) | 0.3471% | 5,254 |
| Pretax return on assets | 0.3337% | 5,403 |
| Return on Equity (ROE) | 3.8115% | 4,979 |
| Retained earnings to average equity (ytd only) | -0.3371% | 5,422 |
| Net charge-offs to loans | 0.3664% | 613 |
| Credit loss provision to net charge-offs | 175.1701% | 1,592 |
| Earnings coverage of net charge-offs (x) | 2.9184% | 3,497 |
| Efficiency ratio | 85.2577% | 878 |
| Assets per employee ($millions) | 3.5730% | 4,683 |
| Cash dividends to net income (ytd only)* | 108.8420% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 5,066 |
| Loan loss allowance to noncurrent loans | 57.3991% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 3.2636% | 328 |
| Noncurrent loans to loans | 1.4666% | 1,472 |
| Net loans and leases to total assets | 64.2149% | 3,370 |
| Net loans and leases to deposits | 71.5261% | 3,839 |
| Net loans and leases to core deposits | 74.6865% | 3,951 |
| Total domestic deposits to total assets | 89.7783% | 566 |
| Equity capital to assets | 9.5275% | 4,631 |
| Core capital (leverage) ratio | 9.1130% | 4,703 |
| Tier 1 risk-based capital ratio | 13.3633% | 3,946 |
| Total risk-based capital ratio | 14.1469% | 4,139 |
| Memoranda: | ||
| Average total assets | $169,406,500 | 3,308 |
| Average earning assets | $150,178,000 | 3,383 |
| Average equity | $15,426,750 | 3,791 |
| Average total loans | $106,992,500 | 3,277 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,185 |
| Cost of funding earning assets | 0.2583% | 4,566 |
| Net interest margin | 4.3822% | 787 |
| Noninterest income to average assets | 0.6418% | 2,407 |
| Noninterest expense to average assets | 3.9710% | 616 |
| Loan and lease loss provision to assets | 0.3916% | 396 |
| Net operating income to assets | 0.2969% | 5,333 |
| Return on assets (ROA) | 0.2969% | 5,420 |
| Pretax return on assets | 0.1660% | 5,657 |
| Return on Equity (ROE) | 3.3096% | 5,162 |
| Retained earnings to average equity (ytd only) | -2.9448% | 5,627 |
| Net charge-offs to loans | 0.3788% | 609 |
| Credit loss provision to net charge-offs | 165.0246% | 1,497 |
| Earnings coverage of net charge-offs (x) | 2.3498% | 3,290 |
| Efficiency ratio | 87.6871% | 742 |
| Assets per employee ($millions) | 3.7852% | 4,290 |
| Cash dividends to net income (ytd only)* | 188.9764% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7642% | 5,363 |
| Loan loss allowance to noncurrent loans | 53.9799% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 3.1103% | 384 |
| Noncurrent loans to loans | 1.4157% | 1,569 |
| Net loans and leases to total assets | 61.5237% | 3,684 |
| Net loans and leases to deposits | 68.6379% | 4,119 |
| Net loans and leases to core deposits | 72.6415% | 4,119 |
| Total domestic deposits to total assets | 89.6352% | 623 |
| Equity capital to assets | 9.0920% | 5,171 |
| Core capital (leverage) ratio | 8.6187% | 5,244 |
| Tier 1 risk-based capital ratio | 13.1115% | 4,131 |
| Total risk-based capital ratio | 13.8107% | 4,386 |
| Memoranda: | ||
| Average total assets | $171,090,000 | 3,295 |
| Average earning assets | $151,749,670 | 3,384 |
| Average equity | $15,349,330 | 3,822 |
| Average total loans | $107,177,670 | 3,283 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 1,342 |
| Cost of funding earning assets | 0.2787% | 4,407 |
| Net interest margin | 4.2907% | 945 |
| Noninterest income to average assets | 0.5925% | 2,578 |
| Noninterest expense to average assets | 4.0078% | 595 |
| Loan and lease loss provision to assets | 0.3616% | 409 |
| Net operating income to assets | 0.0397% | 5,759 |
| Return on assets (ROA) | 0.0397% | 5,788 |
| Pretax return on assets | 0.0303% | 5,793 |
| Return on Equity (ROE) | 0.4450% | 5,777 |
| Retained earnings to average equity (ytd only) | -12.1200% | 5,861 |
| Net charge-offs to loans | 0.6447% | 339 |
| Credit loss provision to net charge-offs | 89.0805% | 1,770 |
| Earnings coverage of net charge-offs (x) | 0.9655% | 2,877 |
| Efficiency ratio | 91.0923% | 604 |
| Assets per employee ($millions) | 3.8426% | 4,220 |
| Cash dividends to net income (ytd only)* | 2,823.5294% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 5,732 |
| Loan loss allowance to noncurrent loans | 60.1283% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.8626% | 460 |
| Noncurrent loans to loans | 1.0118% | 2,356 |
| Net loans and leases to total assets | 61.9753% | 3,530 |
| Net loans and leases to deposits | 70.9124% | 3,767 |
| Net loans and leases to core deposits | 75.3890% | 3,744 |
| Total domestic deposits to total assets | 87.3970% | 1,995 |
| Equity capital to assets | 8.7521% | 5,379 |
| Core capital (leverage) ratio | 8.6978% | 5,176 |
| Tier 1 risk-based capital ratio | 12.7933% | 4,403 |
| Total risk-based capital ratio | 13.3548% | 4,749 |
| Memoranda: | ||
| Average total assets | $171,467,000 | 3,306 |
| Average earning assets | $152,143,000 | 3,389 |
| Average equity | $15,280,500 | 3,836 |
| Average total loans | $107,964,500 | 3,278 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 1,040 |
| Cost of funding earning assets | 0.3264% | 3,950 |
| Net interest margin | 4.4082% | 781 |
| Noninterest income to average assets | 0.5750% | 2,858 |
| Noninterest expense to average assets | 3.6936% | 985 |
| Loan and lease loss provision to assets | 0.2479% | 768 |
| Net operating income to assets | 0.6694% | 3,957 |
| Return on assets (ROA) | 0.6783% | 4,007 |
| Pretax return on assets | 0.5325% | 5,036 |
| Return on Equity (ROE) | 7.6745% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.6440% | 1,988 |
| Net charge-offs to loans | 0.4246% | 663 |
| Credit loss provision to net charge-offs | 96.5517% | 2,627 |
| Earnings coverage of net charge-offs (x) | 3.0046% | 3,794 |
| Efficiency ratio | 82.7208% | 1,308 |
| Assets per employee ($millions) | 3.7781% | 4,325 |
| Cash dividends to net income (ytd only)* | 26.4578% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6244% | 5,767 |
| Loan loss allowance to noncurrent loans | 63.3208% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.8674% | 473 |
| Noncurrent loans to loans | 0.9861% | 2,364 |
| Net loans and leases to total assets | 63.1891% | 3,387 |
| Net loans and leases to deposits | 72.3855% | 3,676 |
| Net loans and leases to core deposits | 77.7933% | 3,567 |
| Total domestic deposits to total assets | 87.2952% | 1,991 |
| Equity capital to assets | 9.0739% | 5,044 |
| Core capital (leverage) ratio | 8.9139% | 4,986 |
| Tier 1 risk-based capital ratio | 13.2515% | 4,136 |
| Total risk-based capital ratio | 13.8348% | 4,473 |
| Memoranda: | ||
| Average total assets | $169,400,200 | 3,314 |
| Average earning assets | $149,495,400 | 3,414 |
| Average equity | $14,971,600 | 3,839 |
| Average total loans | $102,459,600 | 3,347 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 1,054 |
| Cost of funding earning assets | 0.3317% | 3,971 |
| Net interest margin | 4.3940% | 808 |
| Noninterest income to average assets | 0.5727% | 2,897 |
| Noninterest expense to average assets | 3.6987% | 976 |
| Loan and lease loss provision to assets | 0.2482% | 690 |
| Net operating income to assets | 0.5916% | 4,424 |
| Return on assets (ROA) | 0.5932% | 4,517 |
| Pretax return on assets | 0.4995% | 5,220 |
| Return on Equity (ROE) | 6.7572% | 3,752 |
| Retained earnings to average equity (ytd only) | 4.7472% | 3,093 |
| Net charge-offs to loans | 0.1966% | 1,300 |
| Credit loss provision to net charge-offs | 211.4094% | 1,283 |
| Earnings coverage of net charge-offs (x) | 6.3558% | 3,061 |
| Efficiency ratio | 83.2152% | 1,239 |
| Assets per employee ($millions) | 3.7945% | 4,273 |
| Cash dividends to net income (ytd only)* | 29.7479% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 5,451 |
| Loan loss allowance to noncurrent loans | 64.1679% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 3.0120% | 501 |
| Noncurrent loans to loans | 1.2870% | 1,987 |
| Net loans and leases to total assets | 60.2037% | 3,858 |
| Net loans and leases to deposits | 68.8914% | 4,103 |
| Net loans and leases to core deposits | 73.8021% | 4,028 |
| Total domestic deposits to total assets | 87.3893% | 1,852 |
| Equity capital to assets | 8.9522% | 5,354 |
| Core capital (leverage) ratio | 8.8725% | 5,151 |
| Tier 1 risk-based capital ratio | 13.6695% | 4,042 |
| Total risk-based capital ratio | 14.4250% | 4,257 |
| Memoranda: | ||
| Average total assets | $169,246,500 | 3,344 |
| Average earning assets | $149,138,750 | 3,444 |
| Average equity | $14,857,750 | 3,897 |
| Average total loans | $101,048,000 | 3,405 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6613% | 1,143 |
| Cost of funding earning assets | 0.3351% | 3,982 |
| Net interest margin | 4.3263% | 871 |
| Noninterest income to average assets | 0.5796% | 2,860 |
| Noninterest expense to average assets | 3.7346% | 949 |
| Loan and lease loss provision to assets | 0.2489% | 706 |
| Net operating income to assets | 0.4326% | 5,029 |
| Return on assets (ROA) | 0.4326% | 5,129 |
| Pretax return on assets | 0.4065% | 5,451 |
| Return on Equity (ROE) | 4.9609% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.0037% | 4,127 |
| Net charge-offs to loans | 0.1098% | 1,899 |
| Credit loss provision to net charge-offs | 381.8182% | 771 |
| Earnings coverage of net charge-offs (x) | 10.0545% | 2,395 |
| Efficiency ratio | 85.0702% | 1,145 |
| Assets per employee ($millions) | 3.8806% | 4,110 |
| Cash dividends to net income (ytd only)* | 39.4521% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 5,522 |
| Loan loss allowance to noncurrent loans | 68.7551% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 3.0877% | 524 |
| Noncurrent loans to loans | 1.2089% | 2,237 |
| Net loans and leases to total assets | 57.7339% | 4,135 |
| Net loans and leases to deposits | 65.6536% | 4,371 |
| Net loans and leases to core deposits | 70.1872% | 4,310 |
| Total domestic deposits to total assets | 87.9371% | 1,680 |
| Equity capital to assets | 8.4855% | 5,700 |
| Core capital (leverage) ratio | 8.7056% | 5,316 |
| Tier 1 risk-based capital ratio | 13.3596% | 4,303 |
| Total risk-based capital ratio | 14.1033% | 4,513 |
| Memoranda: | ||
| Average total assets | $168,744,670 | 3,375 |
| Average earning assets | $148,627,000 | 3,475 |
| Average equity | $14,715,000 | 3,936 |
| Average total loans | $100,179,000 | 3,441 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6276% | 1,168 |
| Cost of funding earning assets | 0.3435% | 3,947 |
| Net interest margin | 4.2841% | 907 |
| Noninterest income to average assets | 0.5283% | 3,104 |
| Noninterest expense to average assets | 4.0530% | 648 |
| Loan and lease loss provision to assets | 0.2533% | 643 |
| Net operating income to assets | 0.0096% | 6,008 |
| Return on assets (ROA) | 0.0096% | 6,046 |
| Pretax return on assets | -0.0169% | 6,063 |
| Return on Equity (ROE) | 0.1091% | 6,043 |
| Retained earnings to average equity (ytd only) | -1.6367% | 5,643 |
| Net charge-offs to loans | 0.0040% | 3,183 |
| Credit loss provision to net charge-offs | 10,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 506 |
| Efficiency ratio | 94.4882% | 572 |
| Assets per employee ($millions) | 3.9483% | 4,063 |
| Cash dividends to net income (ytd only)* | 1,600.0000% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 5,685 |
| Loan loss allowance to noncurrent loans | 66.3880% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 3.0428% | 615 |
| Noncurrent loans to loans | 1.2114% | 2,346 |
| Net loans and leases to total assets | 57.6854% | 3,997 |
| Net loans and leases to deposits | 65.7606% | 4,176 |
| Net loans and leases to core deposits | 70.4044% | 4,117 |
| Total domestic deposits to total assets | 87.7203% | 1,974 |
| Equity capital to assets | 8.6885% | 5,583 |
| Core capital (leverage) ratio | 8.9365% | 5,031 |
| Tier 1 risk-based capital ratio | 13.9930% | 4,024 |
| Total risk-based capital ratio | 14.7433% | 4,244 |
| Memoranda: | ||
| Average total assets | $165,803,500 | 3,429 |
| Average earning assets | $145,561,500 | 3,544 |
| Average equity | $14,663,500 | 3,967 |
| Average total loans | $99,436,500 | 3,461 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9191% | 891 |
| Cost of funding earning assets | 0.4334% | 3,352 |
| Net interest margin | 4.4857% | 771 |
| Noninterest income to average assets | 0.6772% | 2,419 |
| Noninterest expense to average assets | 3.8541% | 907 |
| Loan and lease loss provision to assets | 0.1248% | 2,095 |
| Net operating income to assets | 0.5998% | 4,367 |
| Return on assets (ROA) | 0.6017% | 4,452 |
| Pretax return on assets | 0.6017% | 4,935 |
| Return on Equity (ROE) | 6.9469% | 3,669 |
| Retained earnings to average equity (ytd only) | 5.5633% | 2,223 |
| Net charge-offs to loans | 0.3796% | 1,133 |
| Credit loss provision to net charge-offs | 54.3478% | 3,393 |
| Earnings coverage of net charge-offs (x) | 3.1549% | 3,964 |
| Efficiency ratio | 84.1739% | 1,391 |
| Assets per employee ($millions) | 3.7635% | 4,417 |
| Cash dividends to net income (ytd only)* | 19.9170% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 6,035 |
| Loan loss allowance to noncurrent loans | 51.2879% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 3.9337% | 433 |
| Noncurrent loans to loans | 1.3181% | 2,239 |
| Net loans and leases to total assets | 61.4629% | 3,579 |
| Net loans and leases to deposits | 71.7902% | 3,709 |
| Net loans and leases to core deposits | 75.8599% | 3,725 |
| Total domestic deposits to total assets | 85.6146% | 3,025 |
| Equity capital to assets | 9.0069% | 5,281 |
| Core capital (leverage) ratio | 9.3301% | 4,493 |
| Tier 1 risk-based capital ratio | 12.9866% | 4,737 |
| Total risk-based capital ratio | 13.5866% | 5,049 |
| Memoranda: | ||
| Average total assets | $160,217,800 | 3,486 |
| Average earning assets | $139,354,600 | 3,615 |
| Average equity | $13,876,600 | 4,047 |
| Average total loans | $96,933,400 | 3,481 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 857 |
| Cost of funding earning assets | 0.4477% | 3,280 |
| Net interest margin | 4.4911% | 750 |
| Noninterest income to average assets | 0.6841% | 2,409 |
| Noninterest expense to average assets | 4.0671% | 708 |
| Loan and lease loss provision to assets | 0.0626% | 3,104 |
| Net operating income to assets | 0.4947% | 4,891 |
| Return on assets (ROA) | 0.4972% | 4,949 |
| Pretax return on assets | 0.4572% | 5,448 |
| Return on Equity (ROE) | 5.7996% | 4,340 |
| Retained earnings to average equity (ytd only) | 3.9312% | 3,847 |
| Net charge-offs to loans | 0.1803% | 2,010 |
| Credit loss provision to net charge-offs | 57.6923% | 2,980 |
| Earnings coverage of net charge-offs (x) | 4.7692% | 3,386 |
| Efficiency ratio | 88.7170% | 942 |
| Assets per employee ($millions) | 3.5411% | 4,783 |
| Cash dividends to net income (ytd only)* | 32.2142% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 5,863 |
| Loan loss allowance to noncurrent loans | 54.3703% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 4.0823% | 471 |
| Noncurrent loans to loans | 1.4783% | 2,198 |
| Net loans and leases to total assets | 61.1850% | 3,596 |
| Net loans and leases to deposits | 71.7333% | 3,709 |
| Net loans and leases to core deposits | 75.8785% | 3,760 |
| Total domestic deposits to total assets | 85.2951% | 3,216 |
| Equity capital to assets | 8.8159% | 5,535 |
| Core capital (leverage) ratio | 9.0889% | 4,946 |
| Tier 1 risk-based capital ratio | 12.7160% | 5,030 |
| Total risk-based capital ratio | 13.4157% | 5,306 |
| Memoranda: | ||
| Average total assets | $159,814,500 | 3,519 |
| Average earning assets | $138,789,750 | 3,650 |
| Average equity | $13,701,750 | 4,097 |
| Average total loans | $96,131,000 | 3,528 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 917 |
| Cost of funding earning assets | 0.4645% | 3,169 |
| Net interest margin | 4.4299% | 806 |
| Noninterest income to average assets | 0.6876% | 2,341 |
| Noninterest expense to average assets | 4.0020% | 762 |
| Loan and lease loss provision to assets | 0.0625% | 3,020 |
| Net operating income to assets | 0.4626% | 4,962 |
| Return on assets (ROA) | 0.4663% | 5,021 |
| Pretax return on assets | 0.4663% | 5,372 |
| Return on Equity (ROE) | 5.4908% | 4,435 |
| Retained earnings to average equity (ytd only) | 4.5487% | 3,277 |
| Net charge-offs to loans | 0.1153% | 2,507 |
| Credit loss provision to net charge-offs | 90.9091% | 2,158 |
| Earnings coverage of net charge-offs (x) | 7.6364% | 2,603 |
| Efficiency ratio | 88.4010% | 1,049 |
| Assets per employee ($millions) | 3.5688% | 4,724 |
| Cash dividends to net income (ytd only)* | 17.1582% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 5,834 |
| Loan loss allowance to noncurrent loans | 92.2064% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 3.9024% | 564 |
| Noncurrent loans to loans | 0.9371% | 3,372 |
| Net loans and leases to total assets | 60.0112% | 3,712 |
| Net loans and leases to deposits | 69.3186% | 3,904 |
| Net loans and leases to core deposits | 73.2194% | 3,931 |
| Total domestic deposits to total assets | 86.5731% | 2,720 |
| Equity capital to assets | 8.6441% | 5,673 |
| Core capital (leverage) ratio | 9.0555% | 4,931 |
| Tier 1 risk-based capital ratio | 12.6174% | 5,145 |
| Total risk-based capital ratio | 13.3632% | 5,398 |
| Memoranda: | ||
| Average total assets | $159,970,000 | 3,535 |
| Average earning assets | $138,648,000 | 3,670 |
| Average equity | $13,586,330 | 4,119 |
| Average total loans | $95,412,330 | 3,558 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 1,054 |
| Cost of funding earning assets | 0.5068% | 2,832 |
| Net interest margin | 4.2888% | 1,020 |
| Noninterest income to average assets | 0.6689% | 2,349 |
| Noninterest expense to average assets | 3.8683% | 905 |
| Loan and lease loss provision to assets | 0.0626% | 2,869 |
| Net operating income to assets | 0.4485% | 4,939 |
| Return on assets (ROA) | 0.4560% | 4,979 |
| Pretax return on assets | 0.4560% | 5,294 |
| Return on Equity (ROE) | 5.4173% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.4173% | 2,844 |
| Net charge-offs to loans | 0.0677% | 2,474 |
| Credit loss provision to net charge-offs | 156.2500% | 1,223 |
| Earnings coverage of net charge-offs (x) | 12.7500% | 1,698 |
| Efficiency ratio | 88.3295% | 1,194 |
| Assets per employee ($millions) | 3.4030% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 5,842 |
| Loan loss allowance to noncurrent loans | 77.7070% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 3.9609% | 607 |
| Noncurrent loans to loans | 1.1701% | 3,093 |
| Net loans and leases to total assets | 58.1903% | 3,814 |
| Net loans and leases to deposits | 66.5225% | 4,021 |
| Net loans and leases to core deposits | 70.2286% | 4,062 |
| Total domestic deposits to total assets | 87.4746% | 2,525 |
| Equity capital to assets | 8.5076% | 5,650 |
| Core capital (leverage) ratio | 8.9791% | 5,044 |
| Tier 1 risk-based capital ratio | 12.6768% | 5,205 |
| Total risk-based capital ratio | 13.4380% | 5,447 |
| Memoranda: | ||
| Average total assets | $159,657,500 | 3,565 |
| Average earning assets | $138,126,500 | 3,697 |
| Average equity | $13,438,500 | 4,160 |
| Average total loans | $94,511,000 | 3,599 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 1,972 |
| Cost of funding earning assets | 0.5936% | 2,724 |
| Net interest margin | 3.9725% | 2,027 |
| Noninterest income to average assets | 0.3971% | 4,468 |
| Noninterest expense to average assets | 4.0425% | 832 |
| Loan and lease loss provision to assets | 0.9582% | 190 |
| Net operating income to assets | -0.9148% | 6,593 |
| Return on assets (ROA) | -0.7978% | 6,566 |
| Pretax return on assets | -0.9367% | 6,582 |
| Return on Equity (ROE) | -8.9483% | 6,572 |
| Retained earnings to average equity (ytd only) | -10.7131% | 6,549 |
| Net charge-offs to loans | 2.0096% | 189 |
| Credit loss provision to net charge-offs | 82.1391% | 2,984 |
| Earnings coverage of net charge-offs (x) | -0.0996% | 5,117 |
| Efficiency ratio | 102.9587% | 403 |
| Assets per employee ($millions) | 3.4647% | 4,969 |
| Cash dividends to net income (ytd only)* | -19.7227% | 6,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 5,962 |
| Loan loss allowance to noncurrent loans | 38.7082% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 4.2190% | 614 |
| Noncurrent loans to loans | 2.2955% | 1,683 |
| Net loans and leases to total assets | 59.1394% | 3,852 |
| Net loans and leases to deposits | 67.3652% | 4,137 |
| Net loans and leases to core deposits | 71.6929% | 4,110 |
| Total domestic deposits to total assets | 87.7893% | 2,313 |
| Equity capital to assets | 8.3262% | 5,761 |
| Core capital (leverage) ratio | 8.9671% | 5,052 |
| Tier 1 risk-based capital ratio | 12.4564% | 5,312 |
| Total risk-based capital ratio | 13.2078% | 5,578 |
| Memoranda: | ||
| Average total assets | $162,696,600 | 3,519 |
| Average earning assets | $144,542,800 | 3,591 |
| Average equity | $14,505,600 | 3,963 |
| Average total loans | $94,445,200 | 3,588 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6308% | 1,800 |
| Cost of funding earning assets | 0.6068% | 2,755 |
| Net interest margin | 4.0240% | 1,863 |
| Noninterest income to average assets | 0.6091% | 3,088 |
| Noninterest expense to average assets | 3.8965% | 970 |
| Loan and lease loss provision to assets | 1.2719% | 108 |
| Net operating income to assets | -0.8772% | 6,689 |
| Return on assets (ROA) | -0.7110% | 6,659 |
| Pretax return on assets | -0.7811% | 6,654 |
| Return on Equity (ROE) | -7.8480% | 6,659 |
| Retained earnings to average equity (ytd only) | -9.0000% | 6,616 |
| Net charge-offs to loans | 2.5851% | 114 |
| Credit loss provision to net charge-offs | 85.3392% | 2,724 |
| Earnings coverage of net charge-offs (x) | 0.2068% | 4,797 |
| Efficiency ratio | 92.6702% | 811 |
| Assets per employee ($millions) | 3.4146% | 5,030 |
| Cash dividends to net income (ytd only)* | -14.6787% | 6,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 5,696 |
| Loan loss allowance to noncurrent loans | 33.4551% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 4.9125% | 574 |
| Noncurrent loans to loans | 2.9993% | 1,345 |
| Net loans and leases to total assets | 57.5368% | 4,085 |
| Net loans and leases to deposits | 63.6085% | 4,557 |
| Net loans and leases to core deposits | 67.7601% | 4,547 |
| Total domestic deposits to total assets | 90.4546% | 762 |
| Equity capital to assets | 8.8871% | 5,312 |
| Core capital (leverage) ratio | 9.2843% | 4,711 |
| Tier 1 risk-based capital ratio | 13.0780% | 5,071 |
| Total risk-based capital ratio | 13.9029% | 5,306 |
| Memoranda: | ||
| Average total assets | $163,526,750 | 3,538 |
| Average earning assets | $146,119,500 | 3,607 |
| Average equity | $14,814,500 | 3,950 |
| Average total loans | $94,281,750 | 3,615 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 1,963 |
| Cost of funding earning assets | 0.6095% | 2,849 |
| Net interest margin | 3.9585% | 2,013 |
| Noninterest income to average assets | 0.5541% | 3,475 |
| Noninterest expense to average assets | 3.8049% | 1,087 |
| Loan and lease loss provision to assets | 1.8832% | 59 |
| Net operating income to assets | -1.4846% | 6,810 |
| Return on assets (ROA) | -1.2277% | 6,785 |
| Pretax return on assets | -1.2965% | 6,779 |
| Return on Equity (ROE) | -13.4705% | 6,783 |
| Retained earnings to average equity (ytd only) | -15.1659% | 6,764 |
| Net charge-offs to loans | 3.5307% | 75 |
| Credit loss provision to net charge-offs | 92.7467% | 2,379 |
| Earnings coverage of net charge-offs (x) | 0.1558% | 4,497 |
| Efficiency ratio | 92.3257% | 872 |
| Assets per employee ($millions) | 3.3515% | 5,169 |
| Cash dividends to net income (ytd only)* | -12.5860% | 6,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 5,284 |
| Loan loss allowance to noncurrent loans | 26.4442% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 4.6457% | 690 |
| Noncurrent loans to loans | 4.3037% | 847 |
| Net loans and leases to total assets | 58.5658% | 3,896 |
| Net loans and leases to deposits | 64.5892% | 4,424 |
| Net loans and leases to core deposits | 68.7698% | 4,422 |
| Total domestic deposits to total assets | 90.6743% | 670 |
| Equity capital to assets | 8.9022% | 5,324 |
| Core capital (leverage) ratio | 9.0838% | 4,852 |
| Tier 1 risk-based capital ratio | 12.9041% | 5,218 |
| Total risk-based capital ratio | 13.8568% | 5,366 |
| Memoranda: | ||
| Average total assets | $165,679,000 | 3,533 |
| Average earning assets | $149,299,000 | 3,568 |
| Average equity | $15,099,670 | 3,924 |
| Average total loans | $95,279,330 | 3,603 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5331% | 2,047 |
| Cost of funding earning assets | 0.6409% | 2,738 |
| Net interest margin | 3.8922% | 2,147 |
| Noninterest income to average assets | 0.2615% | 5,592 |
| Noninterest expense to average assets | 3.7112% | 1,231 |
| Loan and lease loss provision to assets | 0.1178% | 2,762 |
| Net operating income to assets | 0.0014% | 6,340 |
| Return on assets (ROA) | -0.0589% | 6,465 |
| Pretax return on assets | -0.1131% | 6,493 |
| Return on Equity (ROE) | -0.6395% | 6,474 |
| Retained earnings to average equity (ytd only) | -2.2765% | 6,108 |
| Net charge-offs to loans | 0.6399% | 956 |
| Credit loss provision to net charge-offs | 32.4675% | 2,855 |
| Earnings coverage of net charge-offs (x) | 0.2727% | 3,728 |
| Efficiency ratio | 97.4026% | 665 |
| Assets per employee ($millions) | 3.8297% | 4,295 |
| Cash dividends to net income (ytd only)* | -256.0000% | 6,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 5,509 |
| Loan loss allowance to noncurrent loans | 16.7494% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 4.6674% | 801 |
| Noncurrent loans to loans | 6.7160% | 461 |
| Net loans and leases to total assets | 57.6469% | 3,825 |
| Net loans and leases to deposits | 63.9294% | 4,329 |
| Net loans and leases to core deposits | 67.8857% | 4,313 |
| Total domestic deposits to total assets | 90.1728% | 947 |
| Equity capital to assets | 9.4526% | 4,921 |
| Core capital (leverage) ratio | 9.1976% | 4,571 |
| Tier 1 risk-based capital ratio | 13.8428% | 4,621 |
| Total risk-based capital ratio | 14.8118% | 4,783 |
| Memoranda: | ||
| Average total assets | $169,757,500 | 3,497 |
| Average earning assets | $154,771,500 | 3,518 |
| Average equity | $15,638,000 | 3,885 |
| Average total loans | $96,261,000 | 3,608 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 2,071 |
| Cost of funding earning assets | 0.8318% | 2,412 |
| Net interest margin | 4.0057% | 2,371 |
| Noninterest income to average assets | 0.5046% | 3,868 |
| Noninterest expense to average assets | 3.8405% | 1,186 |
| Loan and lease loss provision to assets | 0.2143% | 2,998 |
| Net operating income to assets | 0.1463% | 5,900 |
| Return on assets (ROA) | 0.3478% | 5,524 |
| Pretax return on assets | 0.2400% | 5,926 |
| Return on Equity (ROE) | 3.5645% | 5,324 |
| Retained earnings to average equity (ytd only) | 1.1045% | 5,319 |
| Net charge-offs to loans | 0.2507% | 3,435 |
| Credit loss provision to net charge-offs | 143.4426% | 1,901 |
| Earnings coverage of net charge-offs (x) | 1.6926% | 4,588 |
| Efficiency ratio | 93.8220% | 810 |
| Assets per employee ($millions) | 4.0660% | 3,822 |
| Cash dividends to net income (ytd only)* | 69.0141% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 4,992 |
| Loan loss allowance to noncurrent loans | 12.5357% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 6.0369% | 573 |
| Noncurrent loans to loans | 9.7863% | 245 |
| Net loans and leases to total assets | 54.5230% | 4,540 |
| Net loans and leases to deposits | 60.9717% | 4,915 |
| Net loans and leases to core deposits | 64.7565% | 4,871 |
| Total domestic deposits to total assets | 89.4235% | 1,286 |
| Equity capital to assets | 8.9854% | 5,540 |
| Core capital (leverage) ratio | 9.3516% | 4,335 |
| Tier 1 risk-based capital ratio | 13.7535% | 4,559 |
| Total risk-based capital ratio | 14.8025% | 4,658 |
| Memoranda: | ||
| Average total assets | $163,311,400 | 3,561 |
| Average earning assets | $146,318,000 | 3,619 |
| Average equity | $15,935,000 | 3,782 |
| Average total loans | $97,315,600 | 3,585 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 1,524 |
| Cost of funding earning assets | 0.8654% | 2,427 |
| Net interest margin | 4.1968% | 1,748 |
| Noninterest income to average assets | 0.5477% | 3,625 |
| Noninterest expense to average assets | 3.8720% | 1,105 |
| Loan and lease loss provision to assets | 0.0939% | 4,414 |
| Net operating income to assets | 0.3229% | 5,533 |
| Return on assets (ROA) | 0.5909% | 4,699 |
| Pretax return on assets | 0.6034% | 5,156 |
| Return on Equity (ROE) | 5.9281% | 4,363 |
| Retained earnings to average equity (ytd only) | 4.3272% | 3,844 |
| Net charge-offs to loans | 0.2461% | 3,248 |
| Credit loss provision to net charge-offs | 62.7778% | 4,079 |
| Earnings coverage of net charge-offs (x) | 2.8334% | 3,902 |
| Efficiency ratio | 90.1335% | 1,030 |
| Assets per employee ($millions) | 3.3878% | 5,243 |
| Cash dividends to net income (ytd only)* | 27.0037% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,814 |
| Loan loss allowance to noncurrent loans | 22.3376% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 3.7173% | 1,329 |
| Noncurrent loans to loans | 4.8239% | 951 |
| Net loans and leases to total assets | 59.5584% | 3,865 |
| Net loans and leases to deposits | 67.7653% | 4,220 |
| Net loans and leases to core deposits | 73.1314% | 4,097 |
| Total domestic deposits to total assets | 87.8893% | 2,108 |
| Equity capital to assets | 10.3544% | 4,012 |
| Core capital (leverage) ratio | 10.1137% | 3,389 |
| Tier 1 risk-based capital ratio | 15.2527% | 3,670 |
| Total risk-based capital ratio | 16.2284% | 3,813 |
| Memoranda: | ||
| Average total assets | $160,429,250 | 3,647 |
| Average earning assets | $143,280,250 | 3,710 |
| Average equity | $15,991,250 | 3,815 |
| Average total loans | $97,516,500 | 3,622 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 2,089 |
| Cost of funding earning assets | 0.8453% | 2,834 |
| Net interest margin | 4.0598% | 2,248 |
| Noninterest income to average assets | 0.5236% | 3,758 |
| Noninterest expense to average assets | 3.8256% | 1,171 |
| Loan and lease loss provision to assets | 0.0926% | 4,404 |
| Net operating income to assets | 0.3198% | 5,545 |
| Return on assets (ROA) | 0.3198% | 5,750 |
| Pretax return on assets | 0.3359% | 5,875 |
| Return on Equity (ROE) | 3.2491% | 5,585 |
| Retained earnings to average equity (ytd only) | 1.6434% | 5,381 |
| Net charge-offs to loans | 0.1762% | 3,543 |
| Credit loss provision to net charge-offs | 86.2069% | 3,155 |
| Earnings coverage of net charge-offs (x) | 3.9885% | 3,207 |
| Efficiency ratio | 89.9274% | 1,076 |
| Assets per employee ($millions) | 3.3972% | 5,218 |
| Cash dividends to net income (ytd only)* | 49.4208% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 5,825 |
| Loan loss allowance to noncurrent loans | 16.5143% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 4.5837% | 1,069 |
| Noncurrent loans to loans | 6.5919% | 627 |
| Net loans and leases to total assets | 61.9801% | 3,441 |
| Net loans and leases to deposits | 70.5050% | 3,821 |
| Net loans and leases to core deposits | 75.5892% | 3,805 |
| Total domestic deposits to total assets | 87.9088% | 2,204 |
| Equity capital to assets | 10.2687% | 3,975 |
| Core capital (leverage) ratio | 9.6807% | 3,863 |
| Tier 1 risk-based capital ratio | 14.2141% | 4,296 |
| Total risk-based capital ratio | 15.1983% | 4,455 |
| Memoranda: | ||
| Average total assets | $161,960,000 | 3,628 |
| Average earning assets | $148,824,670 | 3,625 |
| Average equity | $15,943,000 | 3,811 |
| Average total loans | $98,747,000 | 3,604 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9794% | 1,963 |
| Cost of funding earning assets | 0.8462% | 3,094 |
| Net interest margin | 4.1332% | 1,983 |
| Noninterest income to average assets | 0.5315% | 3,689 |
| Noninterest expense to average assets | 3.7887% | 1,227 |
| Loan and lease loss provision to assets | 0.0898% | 4,236 |
| Net operating income to assets | 0.4150% | 5,195 |
| Return on assets (ROA) | 0.4150% | 5,383 |
| Pretax return on assets | 0.4466% | 5,595 |
| Return on Equity (ROE) | 4.3043% | 5,138 |
| Retained earnings to average equity (ytd only) | 2.6933% | 4,913 |
| Net charge-offs to loans | 0.1614% | 3,123 |
| Credit loss provision to net charge-offs | 92.5000% | 2,504 |
| Earnings coverage of net charge-offs (x) | 5.5250% | 2,350 |
| Efficiency ratio | 87.5982% | 1,325 |
| Assets per employee ($millions) | 3.4590% | 5,210 |
| Cash dividends to net income (ytd only)* | 37.4269% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 5,922 |
| Loan loss allowance to noncurrent loans | 19.7610% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 3.8033% | 1,469 |
| Noncurrent loans to loans | 5.5392% | 960 |
| Net loans and leases to total assets | 59.7493% | 3,724 |
| Net loans and leases to deposits | 67.5595% | 4,140 |
| Net loans and leases to core deposits | 72.0543% | 4,147 |
| Total domestic deposits to total assets | 88.4395% | 2,046 |
| Equity capital to assets | 9.8394% | 4,320 |
| Core capital (leverage) ratio | 9.6619% | 3,825 |
| Tier 1 risk-based capital ratio | 14.6227% | 4,006 |
| Total risk-based capital ratio | 15.6460% | 4,148 |
| Memoranda: | ||
| Average total assets | $164,804,500 | 3,603 |
| Average earning assets | $151,262,000 | 3,590 |
| Average equity | $15,891,000 | 3,832 |
| Average total loans | $99,159,000 | 3,621 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1730% | 2,172 |
| Cost of funding earning assets | 0.9810% | 3,508 |
| Net interest margin | 4.1920% | 2,090 |
| Noninterest income to average assets | 0.5482% | 3,522 |
| Noninterest expense to average assets | 3.7528% | 1,435 |
| Loan and lease loss provision to assets | 0.5748% | 1,805 |
| Net operating income to assets | 0.0719% | 5,923 |
| Return on assets (ROA) | 0.4774% | 4,725 |
| Pretax return on assets | 0.4804% | 5,044 |
| Return on Equity (ROE) | 5.0455% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.4085% | 3,796 |
| Net charge-offs to loans | 1.1255% | 1,522 |
| Credit loss provision to net charge-offs | 82.3224% | 4,352 |
| Earnings coverage of net charge-offs (x) | 0.9246% | 5,109 |
| Efficiency ratio | 85.3212% | 1,642 |
| Assets per employee ($millions) | 3.4089% | 5,224 |
| Cash dividends to net income (ytd only)* | 32.4461% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 5,898 |
| Loan loss allowance to noncurrent loans | 20.4283% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 3.5333% | 1,675 |
| Noncurrent loans to loans | 5.2713% | 1,032 |
| Net loans and leases to total assets | 59.2859% | 4,136 |
| Net loans and leases to deposits | 66.7282% | 4,633 |
| Net loans and leases to core deposits | 71.0458% | 4,643 |
| Total domestic deposits to total assets | 88.8468% | 1,641 |
| Equity capital to assets | 9.4505% | 4,966 |
| Core capital (leverage) ratio | 9.8092% | 3,587 |
| Tier 1 risk-based capital ratio | 15.8878% | 3,101 |
| Total risk-based capital ratio | 17.0082% | 3,147 |
| Memoranda: | ||
| Average total assets | $165,263,400 | 3,568 |
| Average earning assets | $151,788,200 | 3,556 |
| Average equity | $15,637,600 | 3,782 |
| Average total loans | $102,528,800 | 3,557 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2829% | 1,934 |
| Cost of funding earning assets | 1.0102% | 3,611 |
| Net interest margin | 4.2727% | 1,818 |
| Noninterest income to average assets | 0.5444% | 3,557 |
| Noninterest expense to average assets | 3.7236% | 1,448 |
| Loan and lease loss provision to assets | 0.7685% | 1,225 |
| Net operating income to assets | -0.0267% | 6,191 |
| Return on assets (ROA) | 0.5218% | 4,635 |
| Pretax return on assets | 0.5218% | 5,079 |
| Return on Equity (ROE) | 5.5125% | 4,281 |
| Retained earnings to average equity (ytd only) | 3.8715% | 3,971 |
| Net charge-offs to loans | 1.4221% | 1,042 |
| Credit loss provision to net charge-offs | 86.3636% | 3,904 |
| Earnings coverage of net charge-offs (x) | 0.8336% | 4,989 |
| Efficiency ratio | 83.3877% | 1,808 |
| Assets per employee ($millions) | 3.2061% | 5,666 |
| Cash dividends to net income (ytd only)* | 29.7670% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,731 |
| Loan loss allowance to noncurrent loans | 22.7264% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 3.6692% | 1,708 |
| Noncurrent loans to loans | 5.0101% | 1,240 |
| Net loans and leases to total assets | 65.2259% | 3,059 |
| Net loans and leases to deposits | 74.3405% | 3,608 |
| Net loans and leases to core deposits | 79.9354% | 3,647 |
| Total domestic deposits to total assets | 87.7395% | 2,205 |
| Equity capital to assets | 10.4408% | 3,782 |
| Core capital (leverage) ratio | 9.9365% | 3,521 |
| Tier 1 risk-based capital ratio | 14.7009% | 3,835 |
| Total risk-based capital ratio | 15.7894% | 3,926 |
| Memoranda: | ||
| Average total assets | $164,819,750 | 3,592 |
| Average earning assets | $151,251,000 | 3,581 |
| Average equity | $15,600,500 | 3,804 |
| Average total loans | $103,134,000 | 3,569 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 1,872 |
| Cost of funding earning assets | 1.0116% | 3,882 |
| Net interest margin | 4.2936% | 1,685 |
| Noninterest income to average assets | 0.5356% | 3,593 |
| Noninterest expense to average assets | 3.6583% | 1,609 |
| Loan and lease loss provision to assets | 0.5309% | 1,840 |
| Net operating income to assets | 0.2820% | 5,439 |
| Return on assets (ROA) | 0.7102% | 3,604 |
| Pretax return on assets | 0.7102% | 4,347 |
| Return on Equity (ROE) | 7.7396% | 3,077 |
| Retained earnings to average equity (ytd only) | 6.0940% | 2,363 |
| Net charge-offs to loans | 0.1284% | 4,453 |
| Credit loss provision to net charge-offs | 671.6418% | 468 |
| Earnings coverage of net charge-offs (x) | 10.2836% | 1,826 |
| Efficiency ratio | 81.8206% | 2,126 |
| Assets per employee ($millions) | 3.3447% | 5,334 |
| Cash dividends to net income (ytd only)* | 21.2625% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 3,675 |
| Loan loss allowance to noncurrent loans | 30.7082% | 6,216 |
| Noncurrent assets plus other real estate owned to assets | 3.9064% | 1,654 |
| Noncurrent loans to loans | 5.2266% | 1,233 |
| Net loans and leases to total assets | 64.9313% | 3,269 |
| Net loans and leases to deposits | 81.0516% | 2,609 |
| Net loans and leases to core deposits | 87.2666% | 2,732 |
| Total domestic deposits to total assets | 80.1111% | 5,792 |
| Equity capital to assets | 10.0914% | 4,028 |
| Core capital (leverage) ratio | 8.6468% | 5,310 |
| Tier 1 risk-based capital ratio | 14.0080% | 4,169 |
| Total risk-based capital ratio | 15.2614% | 4,140 |
| Memoranda: | ||
| Average total assets | $169,530,670 | 3,547 |
| Average earning assets | $155,394,000 | 3,534 |
| Average equity | $15,556,330 | 3,807 |
| Average total loans | $104,372,330 | 3,574 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1848% | 2,278 |
| Cost of funding earning assets | 1.0245% | 4,033 |
| Net interest margin | 4.1603% | 2,033 |
| Noninterest income to average assets | 0.4690% | 4,124 |
| Noninterest expense to average assets | 3.5038% | 1,992 |
| Loan and lease loss provision to assets | 0.5669% | 1,522 |
| Net operating income to assets | 0.0637% | 6,200 |
| Return on assets (ROA) | 0.0637% | 6,244 |
| Pretax return on assets | 0.2072% | 5,923 |
| Return on Equity (ROE) | 0.7272% | 6,206 |
| Retained earnings to average equity (ytd only) | -0.9349% | 5,972 |
| Net charge-offs to loans | 0.2522% | 3,074 |
| Credit loss provision to net charge-offs | 377.2727% | 878 |
| Earnings coverage of net charge-offs (x) | 5.1515% | 2,324 |
| Efficiency ratio | 81.9053% | 2,244 |
| Assets per employee ($millions) | 4.0032% | 3,831 |
| Cash dividends to net income (ytd only)* | 228.5714% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 4,660 |
| Loan loss allowance to noncurrent loans | 35.0982% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 2.6340% | 2,610 |
| Noncurrent loans to loans | 3.9919% | 1,821 |
| Net loans and leases to total assets | 57.2297% | 4,756 |
| Net loans and leases to deposits | 68.8594% | 4,544 |
| Net loans and leases to core deposits | 73.2733% | 4,621 |
| Total domestic deposits to total assets | 83.1109% | 4,885 |
| Equity capital to assets | 8.5508% | 5,834 |
| Core capital (leverage) ratio | 8.5064% | 5,440 |
| Tier 1 risk-based capital ratio | 12.9304% | 4,876 |
| Total risk-based capital ratio | 14.1809% | 4,864 |
| Memoranda: | ||
| Average total assets | $175,694,500 | 3,458 |
| Average earning assets | $160,854,000 | 3,445 |
| Average equity | $15,402,500 | 3,828 |
| Average total loans | $104,689,000 | 3,606 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7718% | 1,354 |
| Cost of funding earning assets | 1.6447% | 1,850 |
| Net interest margin | 4.1271% | 2,455 |
| Noninterest income to average assets | 0.5925% | 3,527 |
| Noninterest expense to average assets | 3.3995% | 2,441 |
| Loan and lease loss provision to assets | 0.3595% | 3,967 |
| Net operating income to assets | 0.4123% | 4,491 |
| Return on assets (ROA) | 0.4128% | 4,626 |
| Pretax return on assets | 0.4679% | 4,732 |
| Return on Equity (ROE) | 4.5240% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.8431% | 3,857 |
| Net charge-offs to loans | 0.5102% | 3,576 |
| Credit loss provision to net charge-offs | 110.7011% | 3,974 |
| Earnings coverage of net charge-offs (x) | 2.5461% | 3,839 |
| Efficiency ratio | 80.4366% | 2,358 |
| Assets per employee ($millions) | 3.4249% | 5,116 |
| Cash dividends to net income (ytd only)* | 37.1553% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 5,399 |
| Loan loss allowance to noncurrent loans | 31.2759% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 2.7797% | 2,516 |
| Noncurrent loans to loans | 3.9107% | 1,869 |
| Net loans and leases to total assets | 60.4603% | 4,591 |
| Net loans and leases to deposits | 72.9724% | 4,355 |
| Net loans and leases to core deposits | 77.6711% | 4,497 |
| Total domestic deposits to total assets | 82.8536% | 4,861 |
| Equity capital to assets | 8.9937% | 5,147 |
| Core capital (leverage) ratio | 9.0923% | 4,371 |
| Tier 1 risk-based capital ratio | 13.2526% | 4,408 |
| Total risk-based capital ratio | 14.3938% | 4,450 |
| Memoranda: | ||
| Average total assets | $166,908,400 | 3,593 |
| Average earning assets | $146,955,200 | 3,688 |
| Average equity | $15,230,000 | 3,900 |
| Average total loans | $106,226,200 | 3,620 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8950% | 1,145 |
| Cost of funding earning assets | 1.7799% | 1,508 |
| Net interest margin | 4.1151% | 2,550 |
| Noninterest income to average assets | 0.5886% | 3,513 |
| Noninterest expense to average assets | 3.4333% | 2,198 |
| Loan and lease loss provision to assets | 0.3618% | 3,725 |
| Net operating income to assets | 0.2952% | 5,186 |
| Return on assets (ROA) | 0.2959% | 5,352 |
| Pretax return on assets | 0.3691% | 5,317 |
| Return on Equity (ROE) | 3.2307% | 5,126 |
| Retained earnings to average equity (ytd only) | 1.5451% | 5,182 |
| Net charge-offs to loans | 0.4941% | 3,299 |
| Credit loss provision to net charge-offs | 113.9241% | 3,674 |
| Earnings coverage of net charge-offs (x) | 2.2988% | 4,013 |
| Efficiency ratio | 82.4643% | 2,013 |
| Assets per employee ($millions) | 3.6635% | 4,578 |
| Cash dividends to net income (ytd only)* | 52.1736% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 5,434 |
| Loan loss allowance to noncurrent loans | 33.4817% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 2.6501% | 2,733 |
| Noncurrent loans to loans | 3.6176% | 2,159 |
| Net loans and leases to total assets | 61.9016% | 4,552 |
| Net loans and leases to deposits | 78.0779% | 3,812 |
| Net loans and leases to core deposits | 82.7524% | 4,119 |
| Total domestic deposits to total assets | 79.2819% | 5,940 |
| Equity capital to assets | 9.1841% | 5,334 |
| Core capital (leverage) ratio | 8.5527% | 5,415 |
| Tier 1 risk-based capital ratio | 12.9739% | 4,597 |
| Total risk-based capital ratio | 14.1053% | 4,679 |
| Memoranda: | ||
| Average total assets | $165,824,750 | 3,654 |
| Average earning assets | $144,049,500 | 3,792 |
| Average equity | $15,187,250 | 3,954 |
| Average total loans | $106,578,750 | 3,667 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0499% | 848 |
| Cost of funding earning assets | 1.9453% | 1,061 |
| Net interest margin | 4.1046% | 2,538 |
| Noninterest income to average assets | 0.5845% | 3,451 |
| Noninterest expense to average assets | 3.4512% | 2,144 |
| Loan and lease loss provision to assets | 0.3638% | 3,527 |
| Net operating income to assets | 0.2028% | 5,552 |
| Return on assets (ROA) | 0.2037% | 5,678 |
| Pretax return on assets | 0.2583% | 5,632 |
| Return on Equity (ROE) | 2.2265% | 5,566 |
| Retained earnings to average equity (ytd only) | 0.5301% | 5,548 |
| Net charge-offs to loans | 0.4322% | 3,262 |
| Credit loss provision to net charge-offs | 129.8701% | 3,098 |
| Earnings coverage of net charge-offs (x) | 2.2165% | 3,902 |
| Efficiency ratio | 84.7528% | 1,841 |
| Assets per employee ($millions) | 3.7626% | 4,312 |
| Cash dividends to net income (ytd only)* | 76.1905% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2272% | 5,309 |
| Loan loss allowance to noncurrent loans | 30.4450% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 2.7575% | 2,625 |
| Noncurrent loans to loans | 4.0308% | 1,873 |
| Net loans and leases to total assets | 61.4648% | 4,790 |
| Net loans and leases to deposits | 77.1788% | 4,130 |
| Net loans and leases to core deposits | 82.1041% | 4,404 |
| Total domestic deposits to total assets | 79.6395% | 5,842 |
| Equity capital to assets | 8.9778% | 5,485 |
| Core capital (leverage) ratio | 8.5049% | 5,397 |
| Tier 1 risk-based capital ratio | 12.8366% | 4,575 |
| Total risk-based capital ratio | 13.9812% | 4,629 |
| Memoranda: | ||
| Average total assets | $164,926,670 | 3,693 |
| Average earning assets | $140,135,670 | 3,901 |
| Average equity | $15,090,670 | 3,979 |
| Average total loans | $106,906,670 | 3,699 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0394% | 907 |
| Cost of funding earning assets | 1.9563% | 1,225 |
| Net interest margin | 4.0831% | 2,515 |
| Noninterest income to average assets | 0.5752% | 3,458 |
| Noninterest expense to average assets | 3.4413% | 2,126 |
| Loan and lease loss provision to assets | 0.3687% | 3,157 |
| Net operating income to assets | 0.2163% | 5,630 |
| Return on assets (ROA) | 0.2163% | 5,747 |
| Pretax return on assets | 0.2950% | 5,617 |
| Return on Equity (ROE) | 2.3411% | 5,617 |
| Retained earnings to average equity (ytd only) | 0.6385% | 5,566 |
| Net charge-offs to loans | 0.3826% | 2,901 |
| Credit loss provision to net charge-offs | 145.6311% | 2,441 |
| Earnings coverage of net charge-offs (x) | 2.6214% | 3,228 |
| Efficiency ratio | 83.8323% | 2,040 |
| Assets per employee ($millions) | 3.6631% | 4,667 |
| Cash dividends to net income (ytd only)* | 72.7273% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,643 |
| Loan loss allowance to noncurrent loans | 32.1935% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 2.6759% | 2,726 |
| Noncurrent loans to loans | 3.6447% | 2,183 |
| Net loans and leases to total assets | 64.9414% | 4,109 |
| Net loans and leases to deposits | 86.1840% | 2,550 |
| Net loans and leases to core deposits | 91.6869% | 3,143 |
| Total domestic deposits to total assets | 75.3520% | 6,857 |
| Equity capital to assets | 9.1136% | 5,114 |
| Core capital (leverage) ratio | 8.6354% | 5,146 |
| Tier 1 risk-based capital ratio | 12.2707% | 4,924 |
| Total risk-based capital ratio | 13.3476% | 5,057 |
| Memoranda: | ||
| Average total assets | $162,731,000 | 3,786 |
| Average earning assets | $140,676,000 | 3,948 |
| Average equity | $15,035,500 | 4,007 |
| Average total loans | $107,678,000 | 3,739 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1291% | 1,440 |
| Cost of funding earning assets | 2.2337% | 1,885 |
| Net interest margin | 3.8954% | 3,286 |
| Noninterest income to average assets | 0.6704% | 3,156 |
| Noninterest expense to average assets | 3.4253% | 2,598 |
| Loan and lease loss provision to assets | 0.1970% | 5,763 |
| Net operating income to assets | 0.3062% | 4,512 |
| Return on assets (ROA) | 0.3169% | 4,551 |
| Pretax return on assets | 0.4861% | 4,222 |
| Return on Equity (ROE) | 3.3526% | 4,359 |
| Retained earnings to average equity (ytd only) | 0.6812% | 4,523 |
| Net charge-offs to loans | 0.2017% | 5,379 |
| Credit loss provision to net charge-offs | 148.5714% | 3,140 |
| Earnings coverage of net charge-offs (x) | 5.0286% | 2,710 |
| Efficiency ratio | 83.7087% | 2,386 |
| Assets per employee ($millions) | 3.6505% | 4,647 |
| Cash dividends to net income (ytd only)* | 79.6813% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 5,672 |
| Loan loss allowance to noncurrent loans | 32.9386% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 2.5806% | 2,715 |
| Noncurrent loans to loans | 3.4718% | 2,188 |
| Net loans and leases to total assets | 65.8762% | 4,187 |
| Net loans and leases to deposits | 89.7654% | 2,248 |
| Net loans and leases to core deposits | 119.5415% | 1,984 |
| Total domestic deposits to total assets | 73.3870% | 7,104 |
| Equity capital to assets | 9.3686% | 4,607 |
| Core capital (leverage) ratio | 8.5810% | 5,136 |
| Tier 1 risk-based capital ratio | 12.3679% | 4,625 |
| Total risk-based capital ratio | 13.4146% | 4,768 |
| Memoranda: | ||
| Average total assets | $158,407,200 | 3,802 |
| Average earning assets | $139,139,200 | 3,920 |
| Average equity | $14,973,400 | 4,061 |
| Average total loans | $104,114,800 | 3,834 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1059% | 1,631 |
| Cost of funding earning assets | 2.2536% | 2,175 |
| Net interest margin | 3.8523% | 3,421 |
| Noninterest income to average assets | 0.6715% | 3,208 |
| Noninterest expense to average assets | 3.4715% | 2,351 |
| Loan and lease loss provision to assets | 0.1976% | 5,411 |
| Net operating income to assets | 0.2743% | 4,885 |
| Return on assets (ROA) | 0.2889% | 4,939 |
| Pretax return on assets | 0.4164% | 4,753 |
| Return on Equity (ROE) | 3.0491% | 4,772 |
| Retained earnings to average equity (ytd only) | 0.3745% | 5,042 |
| Net charge-offs to loans | 0.1857% | 4,904 |
| Credit loss provision to net charge-offs | 162.5000% | 2,903 |
| Earnings coverage of net charge-offs (x) | 4.8749% | 2,986 |
| Efficiency ratio | 85.4115% | 2,138 |
| Assets per employee ($millions) | 3.5097% | 4,902 |
| Cash dividends to net income (ytd only)* | 87.7190% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 5,428 |
| Loan loss allowance to noncurrent loans | 30.9026% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 2.4261% | 2,840 |
| Noncurrent loans to loans | 3.7123% | 2,005 |
| Net loans and leases to total assets | 63.3107% | 5,016 |
| Net loans and leases to deposits | 83.5254% | 3,726 |
| Net loans and leases to core deposits | 115.4972% | 2,674 |
| Total domestic deposits to total assets | 75.7981% | 6,620 |
| Equity capital to assets | 9.1375% | 5,277 |
| Core capital (leverage) ratio | 8.5652% | 5,362 |
| Tier 1 risk-based capital ratio | 12.5775% | 4,489 |
| Total risk-based capital ratio | 13.6334% | 4,589 |
| Memoranda: | ||
| Average total assets | $157,853,750 | 3,831 |
| Average earning assets | $139,032,250 | 3,950 |
| Average equity | $14,954,750 | 4,103 |
| Average total loans | $103,384,750 | 3,895 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0279% | 2,064 |
| Cost of funding earning assets | 2.1896% | 2,844 |
| Net interest margin | 3.8383% | 3,377 |
| Noninterest income to average assets | 0.6650% | 3,234 |
| Noninterest expense to average assets | 3.4884% | 2,372 |
| Loan and lease loss provision to assets | 0.2007% | 5,051 |
| Net operating income to assets | 0.2991% | 4,902 |
| Return on assets (ROA) | 0.3010% | 5,008 |
| Pretax return on assets | 0.4013% | 4,932 |
| Return on Equity (ROE) | 3.1377% | 4,846 |
| Retained earnings to average equity (ytd only) | 0.4559% | 5,033 |
| Net charge-offs to loans | 0.2436% | 3,976 |
| Credit loss provision to net charge-offs | 124.8000% | 3,727 |
| Earnings coverage of net charge-offs (x) | 3.7280% | 3,325 |
| Efficiency ratio | 85.3367% | 2,315 |
| Assets per employee ($millions) | 3.4753% | 4,881 |
| Cash dividends to net income (ytd only)* | 85.4701% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,520 |
| Loan loss allowance to noncurrent loans | 30.1044% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 2.3938% | 2,714 |
| Noncurrent loans to loans | 3.6900% | 1,885 |
| Net loans and leases to total assets | 62.8386% | 5,210 |
| Net loans and leases to deposits | 80.8864% | 4,407 |
| Net loans and leases to core deposits | 113.2155% | 2,995 |
| Total domestic deposits to total assets | 77.6875% | 6,157 |
| Equity capital to assets | 9.1221% | 5,135 |
| Core capital (leverage) ratio | 8.8655% | 4,839 |
| Tier 1 risk-based capital ratio | 12.6463% | 4,397 |
| Total risk-based capital ratio | 13.6572% | 4,521 |
| Memoranda: | ||
| Average total assets | $155,485,670 | 3,916 |
| Average earning assets | $138,656,330 | 3,978 |
| Average equity | $14,915,330 | 4,125 |
| Average total loans | $102,630,330 | 3,949 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1279% | 1,840 |
| Cost of funding earning assets | 2.2426% | 2,948 |
| Net interest margin | 3.8853% | 3,108 |
| Noninterest income to average assets | 0.6730% | 3,050 |
| Noninterest expense to average assets | 3.4073% | 2,336 |
| Loan and lease loss provision to assets | 0.2059% | 4,386 |
| Net operating income to assets | 0.3519% | 5,061 |
| Return on assets (ROA) | 0.3537% | 5,234 |
| Pretax return on assets | 0.5331% | 4,968 |
| Return on Equity (ROE) | 3.5918% | 5,134 |
| Retained earnings to average equity (ytd only) | 0.9113% | 5,288 |
| Net charge-offs to loans | 0.0588% | 4,650 |
| Credit loss provision to net charge-offs | 520.0000% | 1,053 |
| Earnings coverage of net charge-offs (x) | 18.6000% | 1,459 |
| Efficiency ratio | 82.2293% | 2,505 |
| Assets per employee ($millions) | 3.6063% | 4,549 |
| Cash dividends to net income (ytd only)* | 74.6269% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 5,142 |
| Loan loss allowance to noncurrent loans | 35.1736% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 2.1726% | 2,642 |
| Noncurrent loans to loans | 3.2618% | 1,975 |
| Net loans and leases to total assets | 65.8417% | 4,620 |
| Net loans and leases to deposits | 83.0595% | 4,121 |
| Net loans and leases to core deposits | 114.2697% | 2,983 |
| Total domestic deposits to total assets | 79.2705% | 5,619 |
| Equity capital to assets | 9.6699% | 4,426 |
| Core capital (leverage) ratio | 9.3040% | 4,239 |
| Tier 1 risk-based capital ratio | 12.8509% | 4,291 |
| Total risk-based capital ratio | 13.9074% | 4,349 |
| Memoranda: | ||
| Average total assets | $151,559,000 | 3,982 |
| Average earning assets | $135,380,500 | 4,045 |
| Average equity | $14,923,000 | 4,157 |
| Average total loans | $102,049,000 | 3,977 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5419% | 2,752 |
| Cost of funding earning assets | 2.4543% | 4,450 |
| Net interest margin | 4.0876% | 2,768 |
| Noninterest income to average assets | 0.7155% | 3,020 |
| Noninterest expense to average assets | 3.4640% | 2,486 |
| Loan and lease loss provision to assets | 0.2014% | 4,877 |
| Net operating income to assets | 0.5422% | 4,566 |
| Return on assets (ROA) | 0.5578% | 4,347 |
| Pretax return on assets | 0.7947% | 4,099 |
| Return on Equity (ROE) | 5.6750% | 4,083 |
| Retained earnings to average equity (ytd only) | 2.5404% | 3,623 |
| Net charge-offs to loans | 0.2200% | 4,025 |
| Credit loss provision to net charge-offs | 140.1869% | 3,787 |
| Earnings coverage of net charge-offs (x) | 6.7804% | 3,273 |
| Efficiency ratio | 78.0551% | 2,911 |
| Assets per employee ($millions) | 3.4430% | 4,816 |
| Cash dividends to net income (ytd only)* | 55.2347% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 5,171 |
| Loan loss allowance to noncurrent loans | 93.6561% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 4,821 |
| Noncurrent loans to loans | 1.1883% | 4,131 |
| Net loans and leases to total assets | 67.3365% | 4,580 |
| Net loans and leases to deposits | 86.9244% | 3,965 |
| Net loans and leases to core deposits | 119.2219% | 2,771 |
| Total domestic deposits to total assets | 77.4656% | 5,884 |
| Equity capital to assets | 10.0311% | 3,996 |
| Core capital (leverage) ratio | 9.5924% | 3,888 |
| Tier 1 risk-based capital ratio | 13.1060% | 4,055 |
| Total risk-based capital ratio | 14.1272% | 4,104 |
| Memoranda: | ||
| Average total assets | $148,990,600 | 3,916 |
| Average earning assets | $135,679,200 | 3,938 |
| Average equity | $14,643,200 | 4,210 |
| Average total loans | $97,271,000 | 4,023 |