Home > The Payne County Bank > Performance and Condition Ratios
The Payne County 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 | 5.4436% | 1,242 |
| Cost of funding earning assets | 1.5066% | 1,925 |
| Net interest margin | 3.9370% | 1,298 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.4875% | 2,332 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.7346% | 687 |
| Return on assets (ROA) | 1.7337% | 656 |
| Pretax return on assets | 1.7337% | 1,002 |
| Return on Equity (ROE) | 14.5200% | 1,379 |
| Retained earnings to average equity (ytd only) | 5.5860% | 2,382 |
| Net charge-offs to loans | 0.0073% | 2,403 |
| Credit loss provision to net charge-offs | 258.3333% | 1,050 |
| Earnings coverage of net charge-offs (x) | 341.4167% | 394 |
| Efficiency ratio | 58.7329% | 3,214 |
| Assets per employee ($millions) | 8.1978% | 1,336 |
| Cash dividends to net income (ytd only)* | 61.5157% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 4,170 |
| Loan loss allowance to noncurrent loans | 122.3393% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 1,424 |
| Noncurrent loans to loans | 0.5397% | 1,444 |
| Net loans and leases to total assets | 71.0300% | 1,695 |
| Net loans and leases to deposits | 90.6659% | 1,217 |
| Net loans and leases to core deposits | 100.6714% | 1,389 |
| Total domestic deposits to total assets | 78.3400% | 3,690 |
| Equity capital to assets | 11.9232% | 1,153 |
| Core capital (leverage) ratio | 15.3215% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $234,408,200 | 2,770 |
| Average earning assets | $218,899,800 | 2,751 |
| Average equity | $27,998,400 | 2,364 |
| Average total loans | $164,206,800 | 2,562 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 1,299 |
| Cost of funding earning assets | 1.2631% | 2,245 |
| Net interest margin | 4.0327% | 1,174 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.1121% | 3,323 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 2.1903% | 380 |
| Return on assets (ROA) | 2.1892% | 376 |
| Pretax return on assets | 2.1892% | 567 |
| Return on Equity (ROE) | 18.1300% | 933 |
| Retained earnings to average equity (ytd only) | 6.2233% | 2,563 |
| Net charge-offs to loans | 0.0132% | 1,923 |
| Credit loss provision to net charge-offs | 293.7500% | 904 |
| Earnings coverage of net charge-offs (x) | 241.0000% | 527 |
| Efficiency ratio | 48.7847% | 3,997 |
| Assets per employee ($millions) | 7.8352% | 1,437 |
| Cash dividends to net income (ytd only)* | 65.6685% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4186% | 4,396 |
| Loan loss allowance to noncurrent loans | 63.7746% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 1,209 |
| Noncurrent loans to loans | 0.6563% | 1,252 |
| Net loans and leases to total assets | 72.1700% | 1,555 |
| Net loans and leases to deposits | 90.3604% | 1,207 |
| Net loans and leases to core deposits | 98.6525% | 1,406 |
| Total domestic deposits to total assets | 79.8600% | 3,551 |
| Equity capital to assets | 11.4576% | 1,195 |
| Core capital (leverage) ratio | 15.6337% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $231,861,500 | 2,797 |
| Average earning assets | $216,390,750 | 2,777 |
| Average equity | $28,001,750 | 2,353 |
| Average total loans | $161,297,000 | 2,596 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 1,331 |
| Cost of funding earning assets | 1.1289% | 2,197 |
| Net interest margin | 3.9929% | 1,255 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.1664% | 3,177 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 2.1569% | 377 |
| Return on assets (ROA) | 2.1569% | 370 |
| Pretax return on assets | 2.1569% | 570 |
| Return on Equity (ROE) | 17.5500% | 1,008 |
| Retained earnings to average equity (ytd only) | 17.5539% | 368 |
| Net charge-offs to loans | 0.0164% | 1,591 |
| Credit loss provision to net charge-offs | -292.3077% | 4,580 |
| Earnings coverage of net charge-offs (x) | 188.5385% | 639 |
| Efficiency ratio | 50.4948% | 3,882 |
| Assets per employee ($millions) | 7.6893% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3787% | 4,448 |
| Loan loss allowance to noncurrent loans | 98.2839% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2710% | 1,848 |
| Noncurrent loans to loans | 0.3854% | 1,770 |
| Net loans and leases to total assets | 69.5200% | 1,797 |
| Net loans and leases to deposits | 87.7705% | 1,364 |
| Net loans and leases to core deposits | 95.6302% | 1,482 |
| Total domestic deposits to total assets | 79.2000% | 3,693 |
| Equity capital to assets | 12.4392% | 943 |
| Core capital (leverage) ratio | 16.1866% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $230,796,333 | 2,808 |
| Average earning assets | $215,080,333 | 2,793 |
| Average equity | $28,358,333 | 2,339 |
| Average total loans | $158,282,000 | 2,618 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9411% | 1,345 |
| Cost of funding earning assets | 0.9811% | 2,109 |
| Net interest margin | 3.9601% | 1,348 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.0845% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1955% | 370 |
| Return on assets (ROA) | 2.1955% | 369 |
| Pretax return on assets | 2.1955% | 578 |
| Return on Equity (ROE) | 17.9800% | 1,031 |
| Retained earnings to average equity (ytd only) | 17.9850% | 513 |
| Net charge-offs to loans | 0.0596% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 54.1739% | 1,073 |
| Efficiency ratio | 48.7032% | 4,047 |
| Assets per employee ($millions) | 7.7239% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4154% | 4,490 |
| Loan loss allowance to noncurrent loans | 98.6527% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 1,703 |
| Noncurrent loans to loans | 0.4211% | 1,677 |
| Net loans and leases to total assets | 68.1800% | 1,816 |
| Net loans and leases to deposits | 84.3426% | 1,474 |
| Net loans and leases to core deposits | 91.1584% | 1,551 |
| Total domestic deposits to total assets | 80.8400% | 3,660 |
| Equity capital to assets | 12.6344% | 840 |
| Core capital (leverage) ratio | 16.3306% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $227,010,500 | 2,855 |
| Average earning assets | $212,017,500 | 2,847 |
| Average equity | $27,712,000 | 2,409 |
| Average total loans | $154,254,000 | 2,667 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 860 |
| Cost of funding earning assets | 0.3832% | 2,236 |
| Net interest margin | 4.0299% | 750 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.5037% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.8254% | 415 |
| Return on assets (ROA) | 1.8254% | 395 |
| Pretax return on assets | 1.8254% | 694 |
| Return on Equity (ROE) | 13.3600% | 1,690 |
| Retained earnings to average equity (ytd only) | 2.8527% | 3,759 |
| Net charge-offs to loans | 0.0015% | 2,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,971.0000% | 89 |
| Efficiency ratio | 57.8351% | 3,363 |
| Assets per employee ($millions) | 7.4101% | 1,678 |
| Cash dividends to net income (ytd only)* | 78.6403% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 4,122 |
| Loan loss allowance to noncurrent loans | 165.6934% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 1,613 |
| Noncurrent loans to loans | 0.4571% | 1,568 |
| Net loans and leases to total assets | 66.9000% | 1,941 |
| Net loans and leases to deposits | 81.4799% | 1,657 |
| Net loans and leases to core deposits | 87.5367% | 1,645 |
| Total domestic deposits to total assets | 82.1100% | 3,608 |
| Equity capital to assets | 11.7623% | 1,005 |
| Core capital (leverage) ratio | 16.3375% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $215,957,800 | 2,938 |
| Average earning assets | $200,404,200 | 2,936 |
| Average equity | $29,516,200 | 2,353 |
| Average total loans | $134,781,000 | 2,779 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 722 |
| Cost of funding earning assets | 0.2907% | 2,273 |
| Net interest margin | 4.0163% | 619 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.1986% | 2,935 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.1190% | 238 |
| Return on assets (ROA) | 2.1190% | 235 |
| Pretax return on assets | 2.1190% | 365 |
| Return on Equity (ROE) | 14.9600% | 1,184 |
| Retained earnings to average equity (ytd only) | 1.3483% | 4,167 |
| Net charge-offs to loans | 0.0061% | 1,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 567.8333% | 282 |
| Efficiency ratio | 50.9219% | 4,098 |
| Assets per employee ($millions) | 7.3377% | 1,718 |
| Cash dividends to net income (ytd only)* | 90.9891% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 4,064 |
| Loan loss allowance to noncurrent loans | 81.1334% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 798 |
| Noncurrent loans to loans | 1.0034% | 770 |
| Net loans and leases to total assets | 64.7500% | 2,009 |
| Net loans and leases to deposits | 76.0951% | 1,869 |
| Net loans and leases to core deposits | 80.8910% | 1,841 |
| Total domestic deposits to total assets | 85.1000% | 3,262 |
| Equity capital to assets | 11.8759% | 909 |
| Core capital (leverage) ratio | 16.1324% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $214,371,250 | 2,972 |
| Average earning assets | $198,620,500 | 2,964 |
| Average equity | $30,358,250 | 2,350 |
| Average total loans | $131,009,750 | 2,815 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 658 |
| Cost of funding earning assets | 0.2693% | 2,036 |
| Net interest margin | 3.9138% | 589 |
| Noninterest income to average assets | 0.5947% | 1,766 |
| Noninterest expense to average assets | 2.2373% | 2,741 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9823% | 237 |
| Return on assets (ROA) | 1.9823% | 239 |
| Pretax return on assets | 1.9823% | 398 |
| Return on Equity (ROE) | 13.2901% | 1,296 |
| Retained earnings to average equity (ytd only) | 13.2901% | 437 |
| Net charge-offs to loans | -0.0312% | 4,051 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0216% | 4,043 |
| Assets per employee ($millions) | 7.2195% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 4,063 |
| Loan loss allowance to noncurrent loans | 103.0249% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 1,089 |
| Noncurrent loans to loans | 0.8369% | 1,018 |
| Net loans and leases to total assets | 61.4768% | 2,174 |
| Net loans and leases to deposits | 73.3486% | 1,929 |
| Net loans and leases to core deposits | 77.9670% | 1,852 |
| Total domestic deposits to total assets | 83.8146% | 3,719 |
| Equity capital to assets | 13.4931% | 584 |
| Core capital (leverage) ratio | 16.8225% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,897,667 | 2,991 |
| Average earning assets | $199,038,000 | 3,000 |
| Average equity | $32,054,000 | 2,311 |
| Average total loans | $128,371,667 | 2,864 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 641 |
| Cost of funding earning assets | 0.2729% | 1,899 |
| Net interest margin | 3.8262% | 605 |
| Noninterest income to average assets | 0.6055% | 1,668 |
| Noninterest expense to average assets | 2.1266% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0163% | 215 |
| Return on assets (ROA) | 2.0163% | 212 |
| Pretax return on assets | 2.0163% | 337 |
| Return on Equity (ROE) | 12.8955% | 1,064 |
| Retained earnings to average equity (ytd only) | 12.8955% | 477 |
| Net charge-offs to loans | 0.0702% | 643 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 49.0455% | 933 |
| Efficiency ratio | 51.3306% | 4,233 |
| Assets per employee ($millions) | 6.9214% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 4,080 |
| Loan loss allowance to noncurrent loans | 107.8337% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 1,243 |
| Noncurrent loans to loans | 0.8215% | 1,149 |
| Net loans and leases to total assets | 58.1405% | 2,284 |
| Net loans and leases to deposits | 70.5425% | 1,909 |
| Net loans and leases to core deposits | 75.1336% | 1,837 |
| Total domestic deposits to total assets | 82.4191% | 4,024 |
| Equity capital to assets | 14.9234% | 404 |
| Core capital (leverage) ratio | 16.4247% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,054,500 | 3,007 |
| Average earning assets | $197,898,000 | 3,019 |
| Average equity | $33,469,000 | 2,309 |
| Average total loans | $125,404,000 | 2,900 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 574 |
| Cost of funding earning assets | 0.3078% | 2,326 |
| Net interest margin | 4.2237% | 471 |
| Noninterest income to average assets | 0.6307% | 2,023 |
| Noninterest expense to average assets | 2.5517% | 2,019 |
| Loan and lease loss provision to assets | 0.0966% | 1,284 |
| Net operating income to assets | 1.8925% | 417 |
| Return on assets (ROA) | 1.8959% | 438 |
| Pretax return on assets | 1.8959% | 727 |
| Return on Equity (ROE) | 11.1201% | 2,124 |
| Retained earnings to average equity (ytd only) | 4.6055% | 2,964 |
| Net charge-offs to loans | 0.1171% | 769 |
| Credit loss provision to net charge-offs | 142.8571% | 1,522 |
| Earnings coverage of net charge-offs (x) | 29.4214% | 1,616 |
| Efficiency ratio | 56.1948% | 3,685 |
| Assets per employee ($millions) | 6.8886% | 2,002 |
| Cash dividends to net income (ytd only)* | 58.5838% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 4,045 |
| Loan loss allowance to noncurrent loans | 159.3268% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 1,872 |
| Noncurrent loans to loans | 0.5707% | 1,716 |
| Net loans and leases to total assets | 57.9777% | 2,378 |
| Net loans and leases to deposits | 71.5440% | 1,957 |
| Net loans and leases to core deposits | 76.7408% | 1,855 |
| Total domestic deposits to total assets | 81.0378% | 4,102 |
| Equity capital to assets | 16.3515% | 344 |
| Core capital (leverage) ratio | 16.2139% | 339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,079,800 | 3,011 |
| Average earning assets | $191,704,800 | 3,015 |
| Average equity | $35,305,400 | 2,275 |
| Average total loans | $119,527,400 | 2,957 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 505 |
| Cost of funding earning assets | 0.3182% | 2,418 |
| Net interest margin | 4.3553% | 400 |
| Noninterest income to average assets | 0.6392% | 2,056 |
| Noninterest expense to average assets | 2.1272% | 3,285 |
| Loan and lease loss provision to assets | 0.1300% | 892 |
| Net operating income to assets | 2.4146% | 240 |
| Return on assets (ROA) | 2.4146% | 249 |
| Pretax return on assets | 2.4146% | 384 |
| Return on Equity (ROE) | 14.0138% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.3517% | 3,088 |
| Net charge-offs to loans | 0.0169% | 1,723 |
| Credit loss provision to net charge-offs | 1,333.3333% | 437 |
| Earnings coverage of net charge-offs (x) | 261.4000% | 468 |
| Efficiency ratio | 45.5341% | 4,525 |
| Assets per employee ($millions) | 6.8476% | 1,984 |
| Cash dividends to net income (ytd only)* | 61.8113% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,773 |
| Loan loss allowance to noncurrent loans | 141.7978% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 1,767 |
| Noncurrent loans to loans | 0.7200% | 1,548 |
| Net loans and leases to total assets | 57.6355% | 2,544 |
| Net loans and leases to deposits | 71.6531% | 2,089 |
| Net loans and leases to core deposits | 76.9778% | 1,964 |
| Total domestic deposits to total assets | 80.4369% | 4,174 |
| Equity capital to assets | 16.7687% | 353 |
| Core capital (leverage) ratio | 16.2511% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,463,250 | 3,058 |
| Average earning assets | $190,229,500 | 3,058 |
| Average equity | $35,402,250 | 2,301 |
| Average total loans | $118,173,000 | 3,006 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9120% | 396 |
| Cost of funding earning assets | 0.3284% | 2,510 |
| Net interest margin | 4.5836% | 316 |
| Noninterest income to average assets | 0.6299% | 2,082 |
| Noninterest expense to average assets | 2.2009% | 3,091 |
| Loan and lease loss provision to assets | 0.1969% | 567 |
| Net operating income to assets | 2.4775% | 224 |
| Return on assets (ROA) | 2.4775% | 240 |
| Pretax return on assets | 2.4775% | 366 |
| Return on Equity (ROE) | 14.2454% | 1,338 |
| Retained earnings to average equity (ytd only) | 14.2454% | 512 |
| Net charge-offs to loans | 0.0894% | 798 |
| Credit loss provision to net charge-offs | 384.6154% | 774 |
| Earnings coverage of net charge-offs (x) | 52.2500% | 1,042 |
| Efficiency ratio | 45.1444% | 4,561 |
| Assets per employee ($millions) | 6.7940% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,728 |
| Loan loss allowance to noncurrent loans | 104.4293% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 1,472 |
| Noncurrent loans to loans | 0.9850% | 1,251 |
| Net loans and leases to total assets | 56.0065% | 2,897 |
| Net loans and leases to deposits | 70.0769% | 2,401 |
| Net loans and leases to core deposits | 74.9185% | 2,342 |
| Total domestic deposits to total assets | 79.9215% | 4,244 |
| Equity capital to assets | 17.3209% | 308 |
| Core capital (leverage) ratio | 16.9430% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,192,000 | 3,072 |
| Average earning assets | $188,190,667 | 3,081 |
| Average equity | $35,337,667 | 2,297 |
| Average total loans | $116,361,000 | 3,041 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 286 |
| Cost of funding earning assets | 0.3430% | 2,586 |
| Net interest margin | 4.8239% | 234 |
| Noninterest income to average assets | 0.6577% | 1,997 |
| Noninterest expense to average assets | 2.2037% | 3,103 |
| Loan and lease loss provision to assets | 0.2005% | 607 |
| Net operating income to assets | 2.7090% | 198 |
| Return on assets (ROA) | 2.7090% | 222 |
| Pretax return on assets | 2.7090% | 333 |
| Return on Equity (ROE) | 15.5437% | 1,102 |
| Retained earnings to average equity (ytd only) | 15.5437% | 566 |
| Net charge-offs to loans | 0.0522% | 981 |
| Credit loss provision to net charge-offs | 666.6667% | 522 |
| Earnings coverage of net charge-offs (x) | 96.7333% | 630 |
| Efficiency ratio | 43.0980% | 4,626 |
| Assets per employee ($millions) | 6.6134% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 3,842 |
| Loan loss allowance to noncurrent loans | 87.1161% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 1,321 |
| Noncurrent loans to loans | 1.1455% | 1,169 |
| Net loans and leases to total assets | 56.2769% | 3,001 |
| Net loans and leases to deposits | 70.1813% | 2,487 |
| Net loans and leases to core deposits | 74.8301% | 2,444 |
| Total domestic deposits to total assets | 80.1878% | 4,177 |
| Equity capital to assets | 17.0392% | 308 |
| Core capital (leverage) ratio | 17.1632% | 304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,481,500 | 3,094 |
| Average earning assets | $184,251,000 | 3,101 |
| Average equity | $34,766,500 | 2,313 |
| Average total loans | $114,950,000 | 3,064 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 632 |
| Cost of funding earning assets | 0.5693% | 2,508 |
| Net interest margin | 4.3044% | 505 |
| Noninterest income to average assets | 0.6275% | 2,111 |
| Noninterest expense to average assets | 2.6514% | 2,381 |
| Loan and lease loss provision to assets | 0.2122% | 1,853 |
| Net operating income to assets | 1.7058% | 490 |
| Return on assets (ROA) | 1.7058% | 531 |
| Pretax return on assets | 1.7058% | 847 |
| Return on Equity (ROE) | 9.3783% | 2,252 |
| Retained earnings to average equity (ytd only) | 2.9628% | 3,379 |
| Net charge-offs to loans | 0.0097% | 2,972 |
| Credit loss provision to net charge-offs | 3,636.3636% | 285 |
| Earnings coverage of net charge-offs (x) | 328.7273% | 325 |
| Efficiency ratio | 58.0267% | 3,720 |
| Assets per employee ($millions) | 6.2564% | 2,118 |
| Cash dividends to net income (ytd only)* | 68.4080% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 4,035 |
| Loan loss allowance to noncurrent loans | 127.8766% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 2,259 |
| Noncurrent loans to loans | 0.7436% | 1,841 |
| Net loans and leases to total assets | 57.8934% | 3,092 |
| Net loans and leases to deposits | 73.0134% | 2,587 |
| Net loans and leases to core deposits | 78.5152% | 2,509 |
| Total domestic deposits to total assets | 79.2914% | 4,167 |
| Equity capital to assets | 17.8398% | 281 |
| Core capital (leverage) ratio | 16.9779% | 313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,538,600 | 3,038 |
| Average earning assets | $172,659,600 | 3,046 |
| Average equity | $34,291,800 | 2,269 |
| Average total loans | $112,995,400 | 3,053 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 611 |
| Cost of funding earning assets | 0.6248% | 2,460 |
| Net interest margin | 4.3698% | 497 |
| Noninterest income to average assets | 0.6354% | 2,049 |
| Noninterest expense to average assets | 2.1447% | 3,834 |
| Loan and lease loss provision to assets | 0.2495% | 1,620 |
| Net operating income to assets | 2.2316% | 194 |
| Return on assets (ROA) | 2.2316% | 209 |
| Pretax return on assets | 2.2316% | 319 |
| Return on Equity (ROE) | 12.2089% | 1,316 |
| Retained earnings to average equity (ytd only) | 3.6358% | 3,235 |
| Net charge-offs to loans | 0.0094% | 2,770 |
| Credit loss provision to net charge-offs | 4,375.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 435.3750% | 261 |
| Efficiency ratio | 46.3659% | 4,695 |
| Assets per employee ($millions) | 6.2097% | 2,076 |
| Cash dividends to net income (ytd only)* | 70.2202% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 4,085 |
| Loan loss allowance to noncurrent loans | 112.8149% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,276 |
| Noncurrent loans to loans | 0.7950% | 1,832 |
| Net loans and leases to total assets | 59.1199% | 3,311 |
| Net loans and leases to deposits | 76.4005% | 2,709 |
| Net loans and leases to core deposits | 82.5933% | 2,612 |
| Total domestic deposits to total assets | 77.3815% | 4,276 |
| Equity capital to assets | 17.9962% | 305 |
| Core capital (leverage) ratio | 16.9266% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,186,250 | 3,034 |
| Average earning assets | $170,925,000 | 3,051 |
| Average equity | $34,214,750 | 2,259 |
| Average total loans | $112,904,000 | 3,066 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1178% | 669 |
| Cost of funding earning assets | 0.6892% | 2,451 |
| Net interest margin | 4.4286% | 583 |
| Noninterest income to average assets | 0.6461% | 1,947 |
| Noninterest expense to average assets | 2.1724% | 3,870 |
| Loan and lease loss provision to assets | 0.2157% | 1,931 |
| Net operating income to assets | 2.2986% | 188 |
| Return on assets (ROA) | 2.2986% | 209 |
| Pretax return on assets | 2.2986% | 305 |
| Return on Equity (ROE) | 12.5088% | 1,216 |
| Retained earnings to average equity (ytd only) | 12.5088% | 400 |
| Net charge-offs to loans | 0.0178% | 2,372 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 233.1000% | 391 |
| Efficiency ratio | 46.3521% | 4,711 |
| Assets per employee ($millions) | 6.2576% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 4,430 |
| Loan loss allowance to noncurrent loans | 190.6522% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 3,317 |
| Noncurrent loans to loans | 0.4003% | 2,970 |
| Net loans and leases to total assets | 58.7937% | 3,441 |
| Net loans and leases to deposits | 76.2847% | 2,830 |
| Net loans and leases to core deposits | 82.0487% | 2,775 |
| Total domestic deposits to total assets | 77.0714% | 4,311 |
| Equity capital to assets | 18.4019% | 272 |
| Core capital (leverage) ratio | 17.8965% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,414,333 | 3,033 |
| Average earning assets | $169,174,000 | 3,051 |
| Average equity | $34,072,000 | 2,255 |
| Average total loans | $112,259,667 | 3,062 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 768 |
| Cost of funding earning assets | 0.7743% | 2,521 |
| Net interest margin | 4.3438% | 698 |
| Noninterest income to average assets | 0.6868% | 1,692 |
| Noninterest expense to average assets | 2.1200% | 4,180 |
| Loan and lease loss provision to assets | 0.2208% | 1,401 |
| Net operating income to assets | 2.2857% | 157 |
| Return on assets (ROA) | 2.2857% | 171 |
| Pretax return on assets | 2.2857% | 243 |
| Return on Equity (ROE) | 12.4476% | 1,002 |
| Retained earnings to average equity (ytd only) | 12.4476% | 377 |
| Net charge-offs to loans | -0.0216% | 4,357 |
| Credit loss provision to net charge-offs | -1,666.6667% | 3,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8234% | 4,837 |
| Assets per employee ($millions) | 6.0671% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 4,585 |
| Loan loss allowance to noncurrent loans | 141.8605% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 3,130 |
| Noncurrent loans to loans | 0.5020% | 2,761 |
| Net loans and leases to total assets | 60.7404% | 3,428 |
| Net loans and leases to deposits | 77.6240% | 2,928 |
| Net loans and leases to core deposits | 85.0647% | 2,755 |
| Total domestic deposits to total assets | 78.2495% | 4,175 |
| Equity capital to assets | 18.6359% | 312 |
| Core capital (leverage) ratio | 18.2531% | 324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,129,000 | 3,038 |
| Average earning assets | $164,279,500 | 3,070 |
| Average equity | $33,259,500 | 2,291 |
| Average total loans | $110,925,500 | 3,067 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1656% | 1,073 |
| Cost of funding earning assets | 0.7615% | 2,864 |
| Net interest margin | 4.4041% | 890 |
| Noninterest income to average assets | 0.6396% | 2,048 |
| Noninterest expense to average assets | 2.7991% | 2,604 |
| Loan and lease loss provision to assets | 0.1106% | 1,887 |
| Net operating income to assets | 1.7551% | 586 |
| Return on assets (ROA) | 1.7551% | 619 |
| Pretax return on assets | 1.7551% | 1,056 |
| Return on Equity (ROE) | 9.4490% | 2,545 |
| Retained earnings to average equity (ytd only) | 4.1230% | 2,903 |
| Net charge-offs to loans | 0.1622% | 1,236 |
| Credit loss provision to net charge-offs | 111.7647% | 2,241 |
| Earnings coverage of net charge-offs (x) | 18.8588% | 2,031 |
| Efficiency ratio | 60.0050% | 3,695 |
| Assets per employee ($millions) | 5.6326% | 1,936 |
| Cash dividends to net income (ytd only)* | 56.3660% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6235% | 4,701 |
| Loan loss allowance to noncurrent loans | 132.2457% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 3,177 |
| Noncurrent loans to loans | 0.4715% | 2,772 |
| Net loans and leases to total assets | 60.9246% | 3,511 |
| Net loans and leases to deposits | 77.2787% | 3,071 |
| Net loans and leases to core deposits | 84.3282% | 2,919 |
| Total domestic deposits to total assets | 78.8376% | 4,211 |
| Equity capital to assets | 18.0860% | 362 |
| Core capital (leverage) ratio | 18.2697% | 319 |
| Tier 1 risk-based capital ratio | 27.3912% | 597 |
| Total risk-based capital ratio | 27.9842% | 622 |
| Memoranda: | ||
| Average total assets | $171,839,000 | 3,094 |
| Average earning assets | $157,058,000 | 3,111 |
| Average equity | $31,918,800 | 2,304 |
| Average total loans | $104,816,600 | 3,157 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 1,164 |
| Cost of funding earning assets | 0.7490% | 2,971 |
| Net interest margin | 4.3971% | 951 |
| Noninterest income to average assets | 0.6567% | 1,959 |
| Noninterest expense to average assets | 2.3204% | 3,900 |
| Loan and lease loss provision to assets | 0.0903% | 2,097 |
| Net operating income to assets | 2.2858% | 227 |
| Return on assets (ROA) | 2.2858% | 241 |
| Pretax return on assets | 2.2858% | 382 |
| Return on Equity (ROE) | 12.2206% | 1,541 |
| Retained earnings to average equity (ytd only) | 5.0814% | 2,851 |
| Net charge-offs to loans | 0.1973% | 882 |
| Credit loss provision to net charge-offs | 75.1634% | 2,565 |
| Earnings coverage of net charge-offs (x) | 19.7717% | 1,989 |
| Efficiency ratio | 49.4063% | 4,782 |
| Assets per employee ($millions) | 5.7320% | 1,818 |
| Cash dividends to net income (ytd only)* | 58.4193% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5906% | 4,841 |
| Loan loss allowance to noncurrent loans | 119.5076% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 3,259 |
| Noncurrent loans to loans | 0.4942% | 2,813 |
| Net loans and leases to total assets | 61.7657% | 3,516 |
| Net loans and leases to deposits | 79.5257% | 2,951 |
| Net loans and leases to core deposits | 86.2763% | 2,887 |
| Total domestic deposits to total assets | 77.6676% | 4,415 |
| Equity capital to assets | 18.9293% | 316 |
| Core capital (leverage) ratio | 18.4619% | 320 |
| Tier 1 risk-based capital ratio | 28.1673% | 566 |
| Total risk-based capital ratio | 28.7276% | 592 |
| Memoranda: | ||
| Average total assets | $169,737,750 | 3,148 |
| Average earning assets | $155,946,000 | 3,156 |
| Average equity | $31,748,750 | 2,328 |
| Average total loans | $103,395,250 | 3,217 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 1,186 |
| Cost of funding earning assets | 0.7217% | 3,035 |
| Net interest margin | 4.3904% | 960 |
| Noninterest income to average assets | 0.6497% | 1,919 |
| Noninterest expense to average assets | 2.2746% | 4,073 |
| Loan and lease loss provision to assets | 0.0769% | 2,276 |
| Net operating income to assets | 2.3373% | 197 |
| Return on assets (ROA) | 2.3373% | 205 |
| Pretax return on assets | 2.3373% | 327 |
| Return on Equity (ROE) | 12.5471% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.5471% | 345 |
| Net charge-offs to loans | 0.1506% | 1,036 |
| Credit loss provision to net charge-offs | 84.4156% | 2,184 |
| Earnings coverage of net charge-offs (x) | 26.4935% | 1,568 |
| Efficiency ratio | 48.5109% | 4,867 |
| Assets per employee ($millions) | 5.7076% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6249% | 4,830 |
| Loan loss allowance to noncurrent loans | 117.9856% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 3,179 |
| Noncurrent loans to loans | 0.5296% | 2,688 |
| Net loans and leases to total assets | 60.9254% | 3,662 |
| Net loans and leases to deposits | 80.0943% | 2,941 |
| Net loans and leases to core deposits | 85.4097% | 3,005 |
| Total domestic deposits to total assets | 76.0671% | 4,657 |
| Equity capital to assets | 19.4173% | 271 |
| Core capital (leverage) ratio | 19.1288% | 267 |
| Tier 1 risk-based capital ratio | 29.1415% | 516 |
| Total risk-based capital ratio | 29.7300% | 529 |
| Memoranda: | ||
| Average total assets | $168,996,670 | 3,166 |
| Average earning assets | $155,477,000 | 3,174 |
| Average equity | $31,481,330 | 2,335 |
| Average total loans | $102,245,670 | 3,256 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 1,353 |
| Cost of funding earning assets | 0.6947% | 3,088 |
| Net interest margin | 4.2974% | 1,095 |
| Noninterest income to average assets | 0.6624% | 1,769 |
| Noninterest expense to average assets | 2.2635% | 4,112 |
| Loan and lease loss provision to assets | 0.1549% | 1,079 |
| Net operating income to assets | 2.2087% | 267 |
| Return on assets (ROA) | 2.2087% | 277 |
| Pretax return on assets | 2.2087% | 441 |
| Return on Equity (ROE) | 12.1184% | 1,490 |
| Retained earnings to average equity (ytd only) | 12.1184% | 592 |
| Net charge-offs to loans | 0.2419% | 600 |
| Credit loss provision to net charge-offs | 106.5574% | 1,520 |
| Earnings coverage of net charge-offs (x) | 16.2623% | 1,703 |
| Efficiency ratio | 48.9186% | 4,900 |
| Assets per employee ($millions) | 5.6771% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6516% | 4,851 |
| Loan loss allowance to noncurrent loans | 69.7819% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 2,332 |
| Noncurrent loans to loans | 0.9338% | 1,796 |
| Net loans and leases to total assets | 60.1569% | 3,694 |
| Net loans and leases to deposits | 78.5969% | 2,995 |
| Net loans and leases to core deposits | 83.5236% | 3,062 |
| Total domestic deposits to total assets | 76.5385% | 4,703 |
| Equity capital to assets | 18.4032% | 313 |
| Core capital (leverage) ratio | 18.7485% | 288 |
| Tier 1 risk-based capital ratio | 28.3098% | 543 |
| Total risk-based capital ratio | 28.9149% | 567 |
| Memoranda: | ||
| Average total assets | $167,880,500 | 3,213 |
| Average earning assets | $154,886,000 | 3,215 |
| Average equity | $30,598,000 | 2,378 |
| Average total loans | $100,879,500 | 3,310 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 1,435 |
| Cost of funding earning assets | 0.5330% | 3,161 |
| Net interest margin | 4.3131% | 1,118 |
| Noninterest income to average assets | 0.6668% | 1,980 |
| Noninterest expense to average assets | 2.9275% | 2,253 |
| Loan and lease loss provision to assets | 0.0672% | 2,807 |
| Net operating income to assets | 1.6354% | 800 |
| Return on assets (ROA) | 1.6354% | 796 |
| Pretax return on assets | 1.6354% | 1,358 |
| Return on Equity (ROE) | 8.9930% | 3,000 |
| Retained earnings to average equity (ytd only) | 3.2842% | 3,765 |
| Net charge-offs to loans | 0.1663% | 1,159 |
| Credit loss provision to net charge-offs | 71.8954% | 2,967 |
| Earnings coverage of net charge-offs (x) | 18.2222% | 2,151 |
| Efficiency ratio | 63.2287% | 3,298 |
| Assets per employee ($millions) | 5.5149% | 1,937 |
| Cash dividends to net income (ytd only)* | 63.4802% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 4,853 |
| Loan loss allowance to noncurrent loans | 127.0476% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,218 |
| Noncurrent loans to loans | 0.5323% | 2,675 |
| Net loans and leases to total assets | 59.2120% | 3,845 |
| Net loans and leases to deposits | 77.2735% | 3,246 |
| Net loans and leases to core deposits | 82.4698% | 3,225 |
| Total domestic deposits to total assets | 76.6265% | 4,685 |
| Equity capital to assets | 18.0437% | 340 |
| Core capital (leverage) ratio | 18.6297% | 283 |
| Tier 1 risk-based capital ratio | 28.7724% | 523 |
| Total risk-based capital ratio | 29.4014% | 547 |
| Memoranda: | ||
| Average total assets | $163,755,200 | 3,230 |
| Average earning assets | $150,471,600 | 3,239 |
| Average equity | $29,778,600 | 2,348 |
| Average total loans | $92,002,800 | 3,439 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7930% | 1,445 |
| Cost of funding earning assets | 0.5075% | 3,148 |
| Net interest margin | 4.2855% | 1,152 |
| Noninterest income to average assets | 0.6816% | 1,926 |
| Noninterest expense to average assets | 2.4040% | 3,846 |
| Loan and lease loss provision to assets | 0.0898% | 2,183 |
| Net operating income to assets | 2.1240% | 293 |
| Return on assets (ROA) | 2.1240% | 289 |
| Pretax return on assets | 2.1240% | 456 |
| Return on Equity (ROE) | 11.6574% | 1,927 |
| Retained earnings to average equity (ytd only) | 4.0411% | 3,748 |
| Net charge-offs to loans | 0.2273% | 750 |
| Credit loss provision to net charge-offs | 71.4286% | 2,620 |
| Earnings coverage of net charge-offs (x) | 17.6102% | 2,105 |
| Efficiency ratio | 52.0594% | 4,806 |
| Assets per employee ($millions) | 5.3660% | 2,063 |
| Cash dividends to net income (ytd only)* | 65.3343% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 4,829 |
| Loan loss allowance to noncurrent loans | 88.8149% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 2,759 |
| Noncurrent loans to loans | 0.8140% | 2,079 |
| Net loans and leases to total assets | 56.9012% | 4,142 |
| Net loans and leases to deposits | 72.7369% | 3,705 |
| Net loans and leases to core deposits | 77.9287% | 3,661 |
| Total domestic deposits to total assets | 78.2288% | 4,453 |
| Equity capital to assets | 18.1452% | 321 |
| Core capital (leverage) ratio | 18.7356% | 281 |
| Tier 1 risk-based capital ratio | 29.7374% | 491 |
| Total risk-based capital ratio | 30.3902% | 507 |
| Memoranda: | ||
| Average total assets | $163,332,000 | 3,265 |
| Average earning assets | $150,020,000 | 3,271 |
| Average equity | $29,760,000 | 2,356 |
| Average total loans | $90,345,500 | 3,501 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 1,383 |
| Cost of funding earning assets | 0.4888% | 3,100 |
| Net interest margin | 4.2612% | 1,131 |
| Noninterest income to average assets | 0.6873% | 1,923 |
| Noninterest expense to average assets | 2.3959% | 3,908 |
| Loan and lease loss provision to assets | 0.0731% | 2,424 |
| Net operating income to assets | 2.1278% | 294 |
| Return on assets (ROA) | 2.1278% | 289 |
| Pretax return on assets | 2.1278% | 462 |
| Return on Equity (ROE) | 11.6620% | 1,853 |
| Retained earnings to average equity (ytd only) | 11.6620% | 567 |
| Net charge-offs to loans | 0.2720% | 586 |
| Credit loss provision to net charge-offs | 49.1803% | 2,502 |
| Earnings coverage of net charge-offs (x) | 14.8033% | 2,079 |
| Efficiency ratio | 52.1209% | 4,878 |
| Assets per employee ($millions) | 5.6710% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,899 |
| Loan loss allowance to noncurrent loans | 81.3283% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 2,751 |
| Noncurrent loans to loans | 0.8841% | 1,958 |
| Net loans and leases to total assets | 54.4868% | 4,294 |
| Net loans and leases to deposits | 69.8009% | 3,877 |
| Net loans and leases to core deposits | 74.5264% | 3,846 |
| Total domestic deposits to total assets | 78.0603% | 4,579 |
| Equity capital to assets | 18.4896% | 292 |
| Core capital (leverage) ratio | 19.0496% | 265 |
| Tier 1 risk-based capital ratio | 30.7078% | 452 |
| Total risk-based capital ratio | 31.3451% | 467 |
| Memoranda: | ||
| Average total assets | $164,116,330 | 3,274 |
| Average earning assets | $150,567,330 | 3,287 |
| Average equity | $29,943,330 | 2,353 |
| Average total loans | $89,705,330 | 3,523 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 1,275 |
| Cost of funding earning assets | 0.4704% | 3,034 |
| Net interest margin | 4.2445% | 1,066 |
| Noninterest income to average assets | 0.6954% | 1,851 |
| Noninterest expense to average assets | 2.5887% | 3,367 |
| Loan and lease loss provision to assets | 0.1464% | 1,266 |
| Net operating income to assets | 1.8567% | 504 |
| Return on assets (ROA) | 1.8567% | 504 |
| Pretax return on assets | 1.8567% | 805 |
| Return on Equity (ROE) | 10.2454% | 2,307 |
| Retained earnings to average equity (ytd only) | 10.2454% | 1,089 |
| Net charge-offs to loans | 0.4294% | 362 |
| Credit loss provision to net charge-offs | 62.5000% | 1,880 |
| Earnings coverage of net charge-offs (x) | 8.5521% | 2,022 |
| Efficiency ratio | 56.3762% | 4,534 |
| Assets per employee ($millions) | 5.7251% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7547% | 4,907 |
| Loan loss allowance to noncurrent loans | 90.2406% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 2,960 |
| Noncurrent loans to loans | 0.8363% | 2,148 |
| Net loans and leases to total assets | 53.4639% | 4,332 |
| Net loans and leases to deposits | 67.8896% | 3,955 |
| Net loans and leases to core deposits | 72.3243% | 3,928 |
| Total domestic deposits to total assets | 78.7512% | 4,618 |
| Equity capital to assets | 17.8964% | 324 |
| Core capital (leverage) ratio | 18.5657% | 283 |
| Tier 1 risk-based capital ratio | 29.8720% | 480 |
| Total risk-based capital ratio | 30.5376% | 497 |
| Memoranda: | ||
| Average total assets | $163,944,500 | 3,313 |
| Average earning assets | $150,502,000 | 3,323 |
| Average equity | $29,711,000 | 2,391 |
| Average total loans | $89,429,000 | 3,560 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 1,101 |
| Cost of funding earning assets | 0.4438% | 2,836 |
| Net interest margin | 4.2949% | 972 |
| Noninterest income to average assets | 0.6863% | 2,027 |
| Noninterest expense to average assets | 2.7458% | 2,976 |
| Loan and lease loss provision to assets | 0.0983% | 2,258 |
| Net operating income to assets | 1.7781% | 449 |
| Return on assets (ROA) | 1.7806% | 454 |
| Pretax return on assets | 1.7806% | 832 |
| Return on Equity (ROE) | 9.7663% | 1,994 |
| Retained earnings to average equity (ytd only) | 5.0483% | 2,092 |
| Net charge-offs to loans | 0.2809% | 930 |
| Credit loss provision to net charge-offs | 65.0407% | 3,164 |
| Earnings coverage of net charge-offs (x) | 12.4146% | 2,477 |
| Efficiency ratio | 59.4045% | 4,353 |
| Assets per employee ($millions) | 5.5814% | 1,861 |
| Cash dividends to net income (ytd only)* | 48.3092% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 4,847 |
| Loan loss allowance to noncurrent loans | 151.2766% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 3,625 |
| Noncurrent loans to loans | 0.5256% | 2,938 |
| Net loans and leases to total assets | 54.8044% | 4,286 |
| Net loans and leases to deposits | 70.0184% | 3,875 |
| Net loans and leases to core deposits | 75.0127% | 3,812 |
| Total domestic deposits to total assets | 78.2715% | 4,673 |
| Equity capital to assets | 18.3546% | 289 |
| Core capital (leverage) ratio | 18.1160% | 284 |
| Tier 1 risk-based capital ratio | 29.5251% | 478 |
| Total risk-based capital ratio | 30.2360% | 492 |
| Memoranda: | ||
| Average total assets | $162,758,200 | 3,314 |
| Average earning assets | $149,154,400 | 3,335 |
| Average equity | $29,673,400 | 2,382 |
| Average total loans | $87,586,800 | 3,576 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 1,140 |
| Cost of funding earning assets | 0.4392% | 2,816 |
| Net interest margin | 4.2592% | 1,029 |
| Noninterest income to average assets | 0.6970% | 2,017 |
| Noninterest expense to average assets | 2.3560% | 4,135 |
| Loan and lease loss provision to assets | 0.0491% | 3,114 |
| Net operating income to assets | 2.1949% | 215 |
| Return on assets (ROA) | 2.1981% | 220 |
| Pretax return on assets | 2.1981% | 367 |
| Return on Equity (ROE) | 12.0770% | 1,322 |
| Retained earnings to average equity (ytd only) | 5.7846% | 2,383 |
| Net charge-offs to loans | 0.3627% | 579 |
| Credit loss provision to net charge-offs | 25.3165% | 3,114 |
| Earnings coverage of net charge-offs (x) | 11.5739% | 2,495 |
| Efficiency ratio | 51.2182% | 5,166 |
| Assets per employee ($millions) | 5.6772% | 1,747 |
| Cash dividends to net income (ytd only)* | 52.1027% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6997% | 5,139 |
| Loan loss allowance to noncurrent loans | 186.7470% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 4,161 |
| Noncurrent loans to loans | 0.3747% | 3,612 |
| Net loans and leases to total assets | 53.4448% | 4,460 |
| Net loans and leases to deposits | 68.3139% | 4,091 |
| Net loans and leases to core deposits | 73.7134% | 4,002 |
| Total domestic deposits to total assets | 78.2342% | 4,688 |
| Equity capital to assets | 18.2672% | 314 |
| Core capital (leverage) ratio | 17.8340% | 315 |
| Tier 1 risk-based capital ratio | 29.2888% | 502 |
| Total risk-based capital ratio | 29.9081% | 528 |
| Memoranda: | ||
| Average total assets | $162,982,500 | 3,342 |
| Average earning assets | $149,350,000 | 3,358 |
| Average equity | $29,664,500 | 2,398 |
| Average total loans | $87,129,000 | 3,615 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 1,050 |
| Cost of funding earning assets | 0.4314% | 2,791 |
| Net interest margin | 4.2714% | 936 |
| Noninterest income to average assets | 0.7166% | 1,918 |
| Noninterest expense to average assets | 2.2668% | 4,430 |
| Loan and lease loss provision to assets | 0.0739% | 2,493 |
| Net operating income to assets | 2.2890% | 187 |
| Return on assets (ROA) | 2.2939% | 181 |
| Pretax return on assets | 2.2939% | 303 |
| Return on Equity (ROE) | 12.6187% | 1,136 |
| Retained earnings to average equity (ytd only) | 12.6187% | 271 |
| Net charge-offs to loans | 0.2724% | 742 |
| Credit loss provision to net charge-offs | 50.8475% | 2,552 |
| Earnings coverage of net charge-offs (x) | 16.2627% | 1,989 |
| Efficiency ratio | 48.9628% | 5,358 |
| Assets per employee ($millions) | 5.7430% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 4,824 |
| Loan loss allowance to noncurrent loans | 134.3636% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 3,737 |
| Noncurrent loans to loans | 0.6305% | 2,839 |
| Net loans and leases to total assets | 51.9319% | 4,577 |
| Net loans and leases to deposits | 66.5065% | 4,187 |
| Net loans and leases to core deposits | 71.5008% | 4,125 |
| Total domestic deposits to total assets | 78.0855% | 4,803 |
| Equity capital to assets | 18.5209% | 288 |
| Core capital (leverage) ratio | 17.8979% | 303 |
| Tier 1 risk-based capital ratio | 30.0292% | 466 |
| Total risk-based capital ratio | 30.7715% | 480 |
| Memoranda: | ||
| Average total assets | $162,430,330 | 3,368 |
| Average earning assets | $148,803,330 | 3,387 |
| Average equity | $29,527,670 | 2,403 |
| Average total loans | $86,635,000 | 3,641 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 1,013 |
| Cost of funding earning assets | 0.4249% | 2,771 |
| Net interest margin | 4.2328% | 924 |
| Noninterest income to average assets | 0.7283% | 1,839 |
| Noninterest expense to average assets | 2.3645% | 4,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2647% | 204 |
| Return on assets (ROA) | 2.2722% | 206 |
| Pretax return on assets | 2.2722% | 316 |
| Return on Equity (ROE) | 12.6228% | 1,081 |
| Retained earnings to average equity (ytd only) | 12.6228% | 414 |
| Net charge-offs to loans | 0.2316% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 18.1600% | 1,576 |
| Efficiency ratio | 51.0776% | 5,323 |
| Assets per employee ($millions) | 5.6935% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,868 |
| Loan loss allowance to noncurrent loans | 211.6147% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 4,088 |
| Noncurrent loans to loans | 0.4108% | 3,623 |
| Net loans and leases to total assets | 51.5944% | 4,549 |
| Net loans and leases to deposits | 65.2117% | 4,234 |
| Net loans and leases to core deposits | 70.1009% | 4,143 |
| Total domestic deposits to total assets | 79.1183% | 4,803 |
| Equity capital to assets | 17.8286% | 316 |
| Core capital (leverage) ratio | 18.0157% | 285 |
| Tier 1 risk-based capital ratio | 29.2680% | 507 |
| Total risk-based capital ratio | 30.7787% | 494 |
| Memoranda: | ||
| Average total assets | $160,372,000 | 3,422 |
| Average earning assets | $147,798,000 | 3,428 |
| Average equity | $28,868,500 | 2,452 |
| Average total loans | $86,337,500 | 3,675 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7556% | 953 |
| Cost of funding earning assets | 0.3888% | 3,117 |
| Net interest margin | 4.3668% | 827 |
| Noninterest income to average assets | 0.6515% | 2,412 |
| Noninterest expense to average assets | 2.7883% | 3,065 |
| Loan and lease loss provision to assets | 0.1069% | 2,264 |
| Net operating income to assets | 1.7538% | 487 |
| Return on assets (ROA) | 1.7538% | 509 |
| Pretax return on assets | 1.7538% | 879 |
| Return on Equity (ROE) | 9.5871% | 2,151 |
| Retained earnings to average equity (ytd only) | 5.4621% | 2,036 |
| Net charge-offs to loans | 0.1297% | 1,944 |
| Credit loss provision to net charge-offs | 154.5455% | 1,774 |
| Earnings coverage of net charge-offs (x) | 26.9000% | 1,534 |
| Efficiency ratio | 59.9757% | 4,587 |
| Assets per employee ($millions) | 5.1878% | 2,196 |
| Cash dividends to net income (ytd only)* | 43.0262% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 4,703 |
| Loan loss allowance to noncurrent loans | 171.3978% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 4,078 |
| Noncurrent loans to loans | 0.5361% | 3,243 |
| Net loans and leases to total assets | 55.2216% | 4,329 |
| Net loans and leases to deposits | 70.2137% | 3,882 |
| Net loans and leases to core deposits | 74.9200% | 3,845 |
| Total domestic deposits to total assets | 78.6478% | 4,876 |
| Equity capital to assets | 18.1838% | 292 |
| Core capital (leverage) ratio | 17.8052% | 296 |
| Tier 1 risk-based capital ratio | 28.8047% | 527 |
| Total risk-based capital ratio | 29.6236% | 538 |
| Memoranda: | ||
| Average total assets | $159,024,200 | 3,408 |
| Average earning assets | $145,575,400 | 3,427 |
| Average equity | $29,091,200 | 2,441 |
| Average total loans | $84,839,200 | 3,691 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7263% | 1,022 |
| Cost of funding earning assets | 0.3831% | 3,199 |
| Net interest margin | 4.3432% | 857 |
| Noninterest income to average assets | 0.6472% | 2,437 |
| Noninterest expense to average assets | 2.3685% | 4,358 |
| Loan and lease loss provision to assets | 0.1418% | 1,654 |
| Net operating income to assets | 2.1075% | 291 |
| Return on assets (ROA) | 2.1075% | 301 |
| Pretax return on assets | 2.1075% | 456 |
| Return on Equity (ROE) | 11.5035% | 1,487 |
| Retained earnings to average equity (ytd only) | 6.0408% | 2,167 |
| Net charge-offs to loans | 0.1470% | 1,526 |
| Credit loss provision to net charge-offs | 182.7957% | 1,538 |
| Earnings coverage of net charge-offs (x) | 28.9993% | 1,524 |
| Efficiency ratio | 51.2913% | 5,422 |
| Assets per employee ($millions) | 5.4747% | 1,877 |
| Cash dividends to net income (ytd only)* | 47.4871% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 4,642 |
| Loan loss allowance to noncurrent loans | 118.8321% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 3,682 |
| Noncurrent loans to loans | 0.8031% | 2,658 |
| Net loans and leases to total assets | 53.2095% | 4,562 |
| Net loans and leases to deposits | 68.3308% | 4,119 |
| Net loans and leases to core deposits | 72.2182% | 4,144 |
| Total domestic deposits to total assets | 77.8704% | 4,934 |
| Equity capital to assets | 18.8272% | 278 |
| Core capital (leverage) ratio | 17.3312% | 343 |
| Tier 1 risk-based capital ratio | 28.5427% | 551 |
| Total risk-based capital ratio | 29.3792% | 568 |
| Memoranda: | ||
| Average total assets | $159,872,000 | 3,414 |
| Average earning assets | $146,157,000 | 3,430 |
| Average equity | $29,289,000 | 2,431 |
| Average total loans | $84,364,000 | 3,721 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 1,028 |
| Cost of funding earning assets | 0.3790% | 3,258 |
| Net interest margin | 4.3323% | 870 |
| Noninterest income to average assets | 0.6440% | 2,398 |
| Noninterest expense to average assets | 2.2928% | 4,630 |
| Loan and lease loss provision to assets | 0.2122% | 1,005 |
| Net operating income to assets | 2.0906% | 284 |
| Return on assets (ROA) | 2.0906% | 301 |
| Pretax return on assets | 2.0906% | 476 |
| Return on Equity (ROE) | 11.5166% | 1,475 |
| Retained earnings to average equity (ytd only) | 11.5166% | 384 |
| Net charge-offs to loans | 0.1237% | 1,602 |
| Credit loss provision to net charge-offs | 326.9231% | 905 |
| Earnings coverage of net charge-offs (x) | 35.4808% | 1,251 |
| Efficiency ratio | 49.8914% | 5,568 |
| Assets per employee ($millions) | 5.5512% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 4,392 |
| Loan loss allowance to noncurrent loans | 89.5288% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 3,157 |
| Noncurrent loans to loans | 1.1422% | 2,016 |
| Net loans and leases to total assets | 51.4067% | 4,728 |
| Net loans and leases to deposits | 66.0034% | 4,346 |
| Net loans and leases to core deposits | 69.4719% | 4,366 |
| Total domestic deposits to total assets | 77.8849% | 5,022 |
| Equity capital to assets | 18.9328% | 268 |
| Core capital (leverage) ratio | 17.4831% | 327 |
| Tier 1 risk-based capital ratio | 29.3789% | 523 |
| Total risk-based capital ratio | 30.2641% | 531 |
| Memoranda: | ||
| Average total assets | $160,241,000 | 3,431 |
| Average earning assets | $146,158,670 | 3,455 |
| Average equity | $29,088,330 | 2,447 |
| Average total loans | $84,054,670 | 3,742 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 1,004 |
| Cost of funding earning assets | 0.3769% | 3,332 |
| Net interest margin | 4.3450% | 838 |
| Noninterest income to average assets | 0.6430% | 2,301 |
| Noninterest expense to average assets | 2.4145% | 4,325 |
| Loan and lease loss provision to assets | 0.1751% | 1,161 |
| Net operating income to assets | 2.0342% | 310 |
| Return on assets (ROA) | 2.0342% | 326 |
| Pretax return on assets | 2.0342% | 526 |
| Return on Equity (ROE) | 11.4535% | 1,466 |
| Retained earnings to average equity (ytd only) | 11.4535% | 583 |
| Net charge-offs to loans | 0.1092% | 1,472 |
| Credit loss provision to net charge-offs | 304.3478% | 838 |
| Earnings coverage of net charge-offs (x) | 38.3913% | 1,031 |
| Efficiency ratio | 52.2186% | 5,503 |
| Assets per employee ($millions) | 5.4108% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 4,965 |
| Loan loss allowance to noncurrent loans | 89.0909% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.5421% | 3,440 |
| Noncurrent loans to loans | 1.0403% | 2,308 |
| Net loans and leases to total assets | 51.6298% | 4,660 |
| Net loans and leases to deposits | 65.4045% | 4,309 |
| Net loans and leases to core deposits | 68.2020% | 4,386 |
| Total domestic deposits to total assets | 78.9392% | 4,979 |
| Equity capital to assets | 17.9781% | 325 |
| Core capital (leverage) ratio | 17.1342% | 359 |
| Tier 1 risk-based capital ratio | 28.2026% | 597 |
| Total risk-based capital ratio | 29.0062% | 613 |
| Memoranda: | ||
| Average total assets | $159,869,000 | 3,450 |
| Average earning assets | $146,468,000 | 3,468 |
| Average equity | $28,393,000 | 2,497 |
| Average total loans | $84,276,000 | 3,748 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 964 |
| Cost of funding earning assets | 0.3392% | 3,800 |
| Net interest margin | 4.4371% | 735 |
| Noninterest income to average assets | 0.6591% | 2,414 |
| Noninterest expense to average assets | 3.0470% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7058% | 570 |
| Return on assets (ROA) | 1.7083% | 586 |
| Pretax return on assets | 1.7083% | 972 |
| Return on Equity (ROE) | 9.6982% | 2,132 |
| Retained earnings to average equity (ytd only) | 4.9758% | 2,437 |
| Net charge-offs to loans | 0.1033% | 2,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 32.2410% | 1,379 |
| Efficiency ratio | 64.1094% | 4,236 |
| Assets per employee ($millions) | 5.4280% | 1,878 |
| Cash dividends to net income (ytd only)* | 48.6940% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 5,166 |
| Loan loss allowance to noncurrent loans | 107.1221% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 3,864 |
| Noncurrent loans to loans | 0.8194% | 2,736 |
| Net loans and leases to total assets | 52.8692% | 4,617 |
| Net loans and leases to deposits | 66.2329% | 4,297 |
| Net loans and leases to core deposits | 69.6246% | 4,322 |
| Total domestic deposits to total assets | 79.8231% | 4,786 |
| Equity capital to assets | 17.5354% | 356 |
| Core capital (leverage) ratio | 17.3387% | 331 |
| Tier 1 risk-based capital ratio | 27.9739% | 599 |
| Total risk-based capital ratio | 28.6874% | 619 |
| Memoranda: | ||
| Average total assets | $156,878,000 | 3,474 |
| Average earning assets | $144,734,000 | 3,476 |
| Average equity | $27,634,000 | 2,494 |
| Average total loans | $80,353,800 | 3,816 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 1,006 |
| Cost of funding earning assets | 0.3299% | 3,989 |
| Net interest margin | 4.4294% | 752 |
| Noninterest income to average assets | 0.6541% | 2,457 |
| Noninterest expense to average assets | 2.4736% | 4,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.2686% | 227 |
| Return on assets (ROA) | 2.2720% | 237 |
| Pretax return on assets | 2.2720% | 353 |
| Return on Equity (ROE) | 12.8836% | 1,151 |
| Retained earnings to average equity (ytd only) | 6.5889% | 1,894 |
| Net charge-offs to loans | 0.0638% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 70.1778% | 814 |
| Efficiency ratio | 52.1614% | 5,646 |
| Assets per employee ($millions) | 5.2334% | 2,027 |
| Cash dividends to net income (ytd only)* | 48.8583% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 4,994 |
| Loan loss allowance to noncurrent loans | 190.7317% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 4,724 |
| Noncurrent loans to loans | 0.4960% | 3,859 |
| Net loans and leases to total assets | 52.1557% | 4,744 |
| Net loans and leases to deposits | 65.4086% | 4,433 |
| Net loans and leases to core deposits | 68.8810% | 4,464 |
| Total domestic deposits to total assets | 79.7383% | 4,797 |
| Equity capital to assets | 17.9254% | 344 |
| Core capital (leverage) ratio | 17.1369% | 371 |
| Tier 1 risk-based capital ratio | 28.1136% | 615 |
| Total risk-based capital ratio | 28.9372% | 623 |
| Memoranda: | ||
| Average total assets | $156,744,250 | 3,508 |
| Average earning assets | $144,664,750 | 3,512 |
| Average equity | $27,641,750 | 2,501 |
| Average total loans | $79,452,250 | 3,878 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 1,059 |
| Cost of funding earning assets | 0.3234% | 4,111 |
| Net interest margin | 4.3810% | 786 |
| Noninterest income to average assets | 0.6447% | 2,507 |
| Noninterest expense to average assets | 2.4831% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2086% | 253 |
| Return on assets (ROA) | 2.2137% | 263 |
| Pretax return on assets | 2.2137% | 405 |
| Return on Equity (ROE) | 12.6225% | 1,192 |
| Retained earnings to average equity (ytd only) | 12.6225% | 339 |
| Net charge-offs to loans | 0.0179% | 3,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 247.1429% | 281 |
| Efficiency ratio | 52.9252% | 5,655 |
| Assets per employee ($millions) | 5.4979% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 4,807 |
| Loan loss allowance to noncurrent loans | 179.4702% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 4,696 |
| Noncurrent loans to loans | 0.5644% | 3,764 |
| Net loans and leases to total assets | 51.6143% | 4,791 |
| Net loans and leases to deposits | 63.3012% | 4,594 |
| Net loans and leases to core deposits | 66.4234% | 4,616 |
| Total domestic deposits to total assets | 81.5376% | 4,437 |
| Equity capital to assets | 18.1025% | 330 |
| Core capital (leverage) ratio | 17.0690% | 360 |
| Tier 1 risk-based capital ratio | 28.8489% | 597 |
| Total risk-based capital ratio | 29.7157% | 610 |
| Memoranda: | ||
| Average total assets | $156,658,670 | 3,535 |
| Average earning assets | $144,717,330 | 3,529 |
| Average equity | $27,474,670 | 2,523 |
| Average total loans | $78,380,670 | 3,935 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5816% | 1,266 |
| Cost of funding earning assets | 0.3235% | 4,181 |
| Net interest margin | 4.2581% | 961 |
| Noninterest income to average assets | 0.6303% | 2,495 |
| Noninterest expense to average assets | 2.7187% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.8428% | 449 |
| Return on assets (ROA) | 1.8428% | 476 |
| Pretax return on assets | 1.8428% | 806 |
| Return on Equity (ROE) | 10.6751% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.6751% | 780 |
| Net charge-offs to loans | -0.0155% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6004% | 5,145 |
| Assets per employee ($millions) | 5.6969% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 4,657 |
| Loan loss allowance to noncurrent loans | 131.0510% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 4,455 |
| Noncurrent loans to loans | 0.8171% | 3,206 |
| Net loans and leases to total assets | 47.6648% | 5,069 |
| Net loans and leases to deposits | 57.9685% | 4,919 |
| Net loans and leases to core deposits | 60.5751% | 4,948 |
| Total domestic deposits to total assets | 82.2254% | 4,447 |
| Equity capital to assets | 17.4900% | 379 |
| Core capital (leverage) ratio | 16.8203% | 376 |
| Tier 1 risk-based capital ratio | 22.9376% | 1,111 |
| Total risk-based capital ratio | 23.6382% | 1,167 |
| Memoranda: | ||
| Average total assets | $158,018,000 | 3,538 |
| Average earning assets | $145,887,000 | 3,536 |
| Average equity | $27,278,500 | 2,554 |
| Average total loans | $77,437,000 | 3,981 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 1,004 |
| Cost of funding earning assets | 0.3886% | 3,807 |
| Net interest margin | 4.4655% | 796 |
| Noninterest income to average assets | 0.8078% | 1,844 |
| Noninterest expense to average assets | 2.9093% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.0074% | 319 |
| Return on assets (ROA) | 2.0074% | 333 |
| Pretax return on assets | 2.0074% | 503 |
| Return on Equity (ROE) | 11.7293% | 1,484 |
| Retained earnings to average equity (ytd only) | 5.8391% | 2,032 |
| Net charge-offs to loans | 0.0861% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 45.9538% | 989 |
| Efficiency ratio | 59.1717% | 5,324 |
| Assets per employee ($millions) | 5.3973% | 1,863 |
| Cash dividends to net income (ytd only)* | 50.2176% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 4,806 |
| Loan loss allowance to noncurrent loans | 119.0131% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 4,352 |
| Noncurrent loans to loans | 0.8831% | 3,112 |
| Net loans and leases to total assets | 49.3215% | 5,037 |
| Net loans and leases to deposits | 59.6081% | 4,936 |
| Net loans and leases to core deposits | 63.0685% | 4,914 |
| Total domestic deposits to total assets | 82.7430% | 4,168 |
| Equity capital to assets | 17.0315% | 411 |
| Core capital (leverage) ratio | 16.3565% | 433 |
| Tier 1 risk-based capital ratio | 20.9003% | 1,424 |
| Total risk-based capital ratio | 21.5772% | 1,498 |
| Memoranda: | ||
| Average total assets | $148,797,200 | 3,649 |
| Average earning assets | $136,916,800 | 3,646 |
| Average equity | $25,466,200 | 2,616 |
| Average total loans | $75,459,200 | 4,003 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 954 |
| Cost of funding earning assets | 0.3988% | 3,799 |
| Net interest margin | 4.4895% | 754 |
| Noninterest income to average assets | 0.7835% | 1,950 |
| Noninterest expense to average assets | 2.4693% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.4430% | 158 |
| Return on assets (ROA) | 2.4430% | 157 |
| Pretax return on assets | 2.4430% | 236 |
| Return on Equity (ROE) | 14.2557% | 941 |
| Retained earnings to average equity (ytd only) | 6.3094% | 2,211 |
| Net charge-offs to loans | 0.0713% | 3,181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 67.2775% | 802 |
| Efficiency ratio | 50.2680% | 6,089 |
| Assets per employee ($millions) | 5.3974% | 1,818 |
| Cash dividends to net income (ytd only)* | 55.7414% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 4,649 |
| Loan loss allowance to noncurrent loans | 220.6266% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 5,202 |
| Noncurrent loans to loans | 0.5089% | 4,401 |
| Net loans and leases to total assets | 49.2387% | 5,086 |
| Net loans and leases to deposits | 59.6664% | 4,974 |
| Net loans and leases to core deposits | 63.0469% | 4,964 |
| Total domestic deposits to total assets | 82.5233% | 4,294 |
| Equity capital to assets | 17.0525% | 420 |
| Core capital (leverage) ratio | 16.7340% | 398 |
| Tier 1 risk-based capital ratio | 22.8858% | 1,130 |
| Total risk-based capital ratio | 23.6584% | 1,188 |
| Memoranda: | ||
| Average total assets | $146,866,000 | 3,710 |
| Average earning assets | $135,067,000 | 3,706 |
| Average equity | $25,168,250 | 2,657 |
| Average total loans | $74,819,250 | 4,058 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9235% | 873 |
| Cost of funding earning assets | 0.4110% | 3,763 |
| Net interest margin | 4.5125% | 686 |
| Noninterest income to average assets | 0.8044% | 1,821 |
| Noninterest expense to average assets | 2.4738% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.4820% | 143 |
| Return on assets (ROA) | 2.4820% | 147 |
| Pretax return on assets | 2.4820% | 212 |
| Return on Equity (ROE) | 14.4589% | 879 |
| Retained earnings to average equity (ytd only) | 14.4589% | 240 |
| Net charge-offs to loans | 0.0536% | 3,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 90.2500% | 599 |
| Efficiency ratio | 49.9168% | 6,175 |
| Assets per employee ($millions) | 5.1314% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 4,535 |
| Loan loss allowance to noncurrent loans | 260.5422% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 5,312 |
| Noncurrent loans to loans | 0.4513% | 4,635 |
| Net loans and leases to total assets | 48.8509% | 5,098 |
| Net loans and leases to deposits | 59.6457% | 4,891 |
| Net loans and leases to core deposits | 62.8665% | 4,911 |
| Total domestic deposits to total assets | 81.9018% | 4,677 |
| Equity capital to assets | 17.7327% | 346 |
| Core capital (leverage) ratio | 17.3715% | 338 |
| Tier 1 risk-based capital ratio | 24.0811% | 970 |
| Total risk-based capital ratio | 24.8934% | 1,007 |
| Memoranda: | ||
| Average total assets | $145,445,670 | 3,755 |
| Average earning assets | $133,806,000 | 3,746 |
| Average equity | $24,967,330 | 2,664 |
| Average total loans | $74,673,000 | 4,084 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9909% | 729 |
| Cost of funding earning assets | 0.4204% | 3,753 |
| Net interest margin | 4.5704% | 585 |
| Noninterest income to average assets | 0.7902% | 1,794 |
| Noninterest expense to average assets | 2.5765% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.4179% | 166 |
| Return on assets (ROA) | 2.4179% | 177 |
| Pretax return on assets | 2.4179% | 259 |
| Return on Equity (ROE) | 14.3299% | 886 |
| Retained earnings to average equity (ytd only) | 14.3299% | 371 |
| Net charge-offs to loans | 0.0744% | 2,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 62.0714% | 639 |
| Efficiency ratio | 51.5877% | 6,156 |
| Assets per employee ($millions) | 5.0301% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 4,823 |
| Loan loss allowance to noncurrent loans | 289.3688% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 5,330 |
| Noncurrent loans to loans | 0.4009% | 4,932 |
| Net loans and leases to total assets | 50.8792% | 4,808 |
| Net loans and leases to deposits | 61.6033% | 4,596 |
| Net loans and leases to core deposits | 64.7088% | 4,623 |
| Total domestic deposits to total assets | 82.5917% | 4,757 |
| Equity capital to assets | 17.1032% | 388 |
| Core capital (leverage) ratio | 17.3673% | 336 |
| Tier 1 risk-based capital ratio | 23.5536% | 1,067 |
| Total risk-based capital ratio | 24.3839% | 1,112 |
| Memoranda: | ||
| Average total assets | $143,763,500 | 3,810 |
| Average earning assets | $132,241,500 | 3,798 |
| Average equity | $24,257,000 | 2,726 |
| Average total loans | $75,229,500 | 4,092 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 796 |
| Cost of funding earning assets | 0.4345% | 4,271 |
| Net interest margin | 4.6389% | 559 |
| Noninterest income to average assets | 0.9005% | 1,677 |
| Noninterest expense to average assets | 3.0534% | 2,886 |
| Loan and lease loss provision to assets | 0.0442% | 4,240 |
| Net operating income to assets | 2.0638% | 302 |
| Return on assets (ROA) | 2.0638% | 308 |
| Pretax return on assets | 2.0638% | 423 |
| Return on Equity (ROE) | 11.5108% | 1,589 |
| Retained earnings to average equity (ytd only) | 4.9197% | 2,653 |
| Net charge-offs to loans | 0.1265% | 3,552 |
| Credit loss provision to net charge-offs | 63.8298% | 3,455 |
| Earnings coverage of net charge-offs (x) | 30.4574% | 1,173 |
| Efficiency ratio | 59.1583% | 5,581 |
| Assets per employee ($millions) | 4.7218% | 2,553 |
| Cash dividends to net income (ytd only)* | 57.2601% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 4,788 |
| Loan loss allowance to noncurrent loans | 121.2329% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 4,680 |
| Noncurrent loans to loans | 0.9686% | 3,581 |
| Net loans and leases to total assets | 52.5816% | 4,777 |
| Net loans and leases to deposits | 63.2609% | 4,585 |
| Net loans and leases to core deposits | 66.5582% | 4,651 |
| Total domestic deposits to total assets | 83.1187% | 4,508 |
| Equity capital to assets | 16.6356% | 433 |
| Core capital (leverage) ratio | 17.5008% | 330 |
| Tier 1 risk-based capital ratio | 23.1447% | 1,074 |
| Total risk-based capital ratio | 24.0039% | 1,113 |
| Memoranda: | ||
| Average total assets | $135,814,800 | 3,964 |
| Average earning assets | $124,748,600 | 3,957 |
| Average equity | $24,351,000 | 2,698 |
| Average total loans | $74,303,200 | 4,118 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1517% | 710 |
| Cost of funding earning assets | 0.4396% | 4,384 |
| Net interest margin | 4.7122% | 504 |
| Noninterest income to average assets | 0.9487% | 1,607 |
| Noninterest expense to average assets | 2.5990% | 4,390 |
| Loan and lease loss provision to assets | 0.0248% | 4,511 |
| Net operating income to assets | 2.6546% | 149 |
| Return on assets (ROA) | 2.6546% | 154 |
| Pretax return on assets | 2.6546% | 197 |
| Return on Equity (ROE) | 14.5293% | 882 |
| Retained earnings to average equity (ytd only) | 5.8117% | 2,530 |
| Net charge-offs to loans | 0.0612% | 4,027 |
| Credit loss provision to net charge-offs | 73.5294% | 2,988 |
| Earnings coverage of net charge-offs (x) | 79.4156% | 598 |
| Efficiency ratio | 49.2386% | 6,445 |
| Assets per employee ($millions) | 4.4429% | 2,975 |
| Cash dividends to net income (ytd only)* | 60.0001% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 4,718 |
| Loan loss allowance to noncurrent loans | 84.5725% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8148% | 4,069 |
| Noncurrent loans to loans | 1.4589% | 2,981 |
| Net loans and leases to total assets | 54.6539% | 4,507 |
| Net loans and leases to deposits | 66.8594% | 4,194 |
| Net loans and leases to core deposits | 69.7405% | 4,352 |
| Total domestic deposits to total assets | 81.7445% | 5,013 |
| Equity capital to assets | 17.7881% | 342 |
| Core capital (leverage) ratio | 17.4959% | 339 |
| Tier 1 risk-based capital ratio | 24.7867% | 900 |
| Total risk-based capital ratio | 25.7380% | 915 |
| Memoranda: | ||
| Average total assets | $134,355,000 | 4,026 |
| Average earning assets | $123,450,500 | 4,018 |
| Average equity | $24,547,500 | 2,707 |
| Average total loans | $74,036,750 | 4,152 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 739 |
| Cost of funding earning assets | 0.4389% | 4,558 |
| Net interest margin | 4.6844% | 521 |
| Noninterest income to average assets | 1.0066% | 1,517 |
| Noninterest expense to average assets | 2.5595% | 4,523 |
| Loan and lease loss provision to assets | 0.0371% | 4,208 |
| Net operating income to assets | 2.7362% | 137 |
| Return on assets (ROA) | 2.7362% | 145 |
| Pretax return on assets | 2.7362% | 200 |
| Return on Equity (ROE) | 14.8467% | 834 |
| Retained earnings to average equity (ytd only) | 1.9173% | 5,047 |
| Net charge-offs to loans | 0.0378% | 4,154 |
| Credit loss provision to net charge-offs | 178.5714% | 1,336 |
| Earnings coverage of net charge-offs (x) | 133.4286% | 368 |
| Efficiency ratio | 47.9955% | 6,535 |
| Assets per employee ($millions) | 4.4947% | 2,824 |
| Cash dividends to net income (ytd only)* | 87.0863% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 4,785 |
| Loan loss allowance to noncurrent loans | 127.0492% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 4,887 |
| Noncurrent loans to loans | 0.9754% | 3,985 |
| Net loans and leases to total assets | 54.9628% | 4,452 |
| Net loans and leases to deposits | 67.0118% | 4,146 |
| Net loans and leases to core deposits | 69.5812% | 4,310 |
| Total domestic deposits to total assets | 82.0197% | 5,054 |
| Equity capital to assets | 17.5917% | 357 |
| Core capital (leverage) ratio | 16.8820% | 381 |
| Tier 1 risk-based capital ratio | 23.5842% | 1,048 |
| Total risk-based capital ratio | 24.5428% | 1,074 |
| Memoranda: | ||
| Average total assets | $134,711,330 | 4,051 |
| Average earning assets | $124,413,000 | 4,029 |
| Average equity | $24,827,000 | 2,678 |
| Average total loans | $74,130,330 | 4,169 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0759% | 781 |
| Cost of funding earning assets | 0.4417% | 4,690 |
| Net interest margin | 4.6342% | 538 |
| Noninterest income to average assets | 0.7516% | 2,332 |
| Noninterest expense to average assets | 2.4271% | 5,025 |
| Loan and lease loss provision to assets | 0.0743% | 3,388 |
| Net operating income to assets | 2.5519% | 149 |
| Return on assets (ROA) | 2.5519% | 161 |
| Pretax return on assets | 2.5519% | 253 |
| Return on Equity (ROE) | 13.5382% | 1,048 |
| Retained earnings to average equity (ytd only) | 13.5382% | 494 |
| Net charge-offs to loans | -0.0326% | 5,931 |
| Credit loss provision to net charge-offs | -416.6667% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0306% | 6,611 |
| Assets per employee ($millions) | 4.7020% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 4,813 |
| Loan loss allowance to noncurrent loans | 112.9608% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.6241% | 4,822 |
| Noncurrent loans to loans | 1.1300% | 3,897 |
| Net loans and leases to total assets | 53.8828% | 4,438 |
| Net loans and leases to deposits | 66.6906% | 3,955 |
| Net loans and leases to core deposits | 69.2723% | 4,158 |
| Total domestic deposits to total assets | 80.7953% | 5,550 |
| Equity capital to assets | 18.8901% | 282 |
| Core capital (leverage) ratio | 17.4587% | 319 |
| Tier 1 risk-based capital ratio | 23.5669% | 1,078 |
| Total risk-based capital ratio | 24.5196% | 1,098 |
| Memoranda: | ||
| Average total assets | $134,646,000 | 4,093 |
| Average earning assets | $124,983,000 | 4,044 |
| Average equity | $25,380,000 | 2,673 |
| Average total loans | $73,674,000 | 4,211 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4597% | 675 |
| Cost of funding earning assets | 0.5332% | 4,966 |
| Net interest margin | 4.9265% | 431 |
| Noninterest income to average assets | 0.8095% | 2,223 |
| Noninterest expense to average assets | 3.1121% | 2,893 |
| Loan and lease loss provision to assets | 0.0896% | 4,572 |
| Net operating income to assets | 2.1180% | 296 |
| Return on assets (ROA) | 2.1473% | 303 |
| Pretax return on assets | 2.1473% | 451 |
| Return on Equity (ROE) | 11.3111% | 1,708 |
| Retained earnings to average equity (ytd only) | 5.9404% | 2,112 |
| Net charge-offs to loans | 0.1286% | 4,393 |
| Credit loss provision to net charge-offs | 124.7312% | 2,273 |
| Earnings coverage of net charge-offs (x) | 30.7312% | 994 |
| Efficiency ratio | 58.5015% | 5,765 |
| Assets per employee ($millions) | 4.5840% | 2,815 |
| Cash dividends to net income (ytd only)* | 47.4820% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 4,818 |
| Loan loss allowance to noncurrent loans | 282.7692% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 5,915 |
| Noncurrent loans to loans | 0.4457% | 5,388 |
| Net loans and leases to total assets | 54.1663% | 4,597 |
| Net loans and leases to deposits | 66.9207% | 4,142 |
| Net loans and leases to core deposits | 69.3405% | 4,393 |
| Total domestic deposits to total assets | 80.9411% | 5,424 |
| Equity capital to assets | 18.8077% | 277 |
| Core capital (leverage) ratio | 17.4842% | 318 |
| Tier 1 risk-based capital ratio | 23.1735% | 1,087 |
| Total risk-based capital ratio | 24.1141% | 1,115 |
| Memoranda: | ||
| Average total assets | $129,462,200 | 4,150 |
| Average earning assets | $118,522,000 | 4,140 |
| Average equity | $24,577,600 | 2,702 |
| Average total loans | $72,341,200 | 4,263 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5383% | 631 |
| Cost of funding earning assets | 0.5477% | 5,105 |
| Net interest margin | 4.9906% | 412 |
| Noninterest income to average assets | 0.8274% | 2,133 |
| Noninterest expense to average assets | 2.6107% | 4,702 |
| Loan and lease loss provision to assets | 0.0985% | 4,340 |
| Net operating income to assets | 2.6719% | 139 |
| Return on assets (ROA) | 2.7113% | 145 |
| Pretax return on assets | 2.7113% | 211 |
| Return on Equity (ROE) | 14.2475% | 1,058 |
| Retained earnings to average equity (ytd only) | 7.0556% | 2,094 |
| Net charge-offs to loans | 0.1367% | 4,026 |
| Credit loss provision to net charge-offs | 128.3784% | 2,249 |
| Earnings coverage of net charge-offs (x) | 36.1097% | 950 |
| Efficiency ratio | 48.5164% | 6,690 |
| Assets per employee ($millions) | 4.4956% | 2,920 |
| Cash dividends to net income (ytd only)* | 50.4781% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 4,974 |
| Loan loss allowance to noncurrent loans | 104.4419% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6949% | 4,944 |
| Noncurrent loans to loans | 1.2116% | 4,032 |
| Net loans and leases to total assets | 54.8826% | 4,607 |
| Net loans and leases to deposits | 68.3992% | 4,114 |
| Net loans and leases to core deposits | 70.2410% | 4,478 |
| Total domestic deposits to total assets | 80.2387% | 5,589 |
| Equity capital to assets | 19.2788% | 278 |
| Core capital (leverage) ratio | 17.3560% | 344 |
| Tier 1 risk-based capital ratio | 23.7411% | 1,058 |
| Total risk-based capital ratio | 24.7098% | 1,080 |
| Memoranda: | ||
| Average total assets | $128,594,000 | 4,222 |
| Average earning assets | $117,336,500 | 4,209 |
| Average equity | $24,471,500 | 2,736 |
| Average total loans | $72,195,250 | 4,317 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5412% | 658 |
| Cost of funding earning assets | 0.5594% | 5,235 |
| Net interest margin | 4.9818% | 418 |
| Noninterest income to average assets | 0.8625% | 1,922 |
| Noninterest expense to average assets | 2.7140% | 4,352 |
| Loan and lease loss provision to assets | 0.0391% | 5,185 |
| Net operating income to assets | 2.6875% | 135 |
| Return on assets (ROA) | 2.7468% | 138 |
| Pretax return on assets | 2.7468% | 208 |
| Return on Equity (ROE) | 14.4986% | 1,014 |
| Retained earnings to average equity (ytd only) | 14.4986% | 308 |
| Net charge-offs to loans | 0.1082% | 4,100 |
| Credit loss provision to net charge-offs | 64.1026% | 3,706 |
| Earnings coverage of net charge-offs (x) | 44.7436% | 804 |
| Efficiency ratio | 49.8851% | 6,651 |
| Assets per employee ($millions) | 4.5208% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2347% | 5,188 |
| Loan loss allowance to noncurrent loans | 147.9866% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 5,649 |
| Noncurrent loans to loans | 0.8343% | 4,845 |
| Net loans and leases to total assets | 53.8161% | 4,836 |
| Net loans and leases to deposits | 67.1176% | 4,342 |
| Net loans and leases to core deposits | 69.0724% | 4,655 |
| Total domestic deposits to total assets | 80.1818% | 5,696 |
| Equity capital to assets | 19.4185% | 256 |
| Core capital (leverage) ratio | 17.7902% | 301 |
| Tier 1 risk-based capital ratio | 24.0539% | 1,007 |
| Total risk-based capital ratio | 24.9788% | 1,035 |
| Memoranda: | ||
| Average total assets | $128,001,670 | 4,252 |
| Average earning assets | $117,628,670 | 4,225 |
| Average equity | $24,250,670 | 2,741 |
| Average total loans | $72,104,330 | 4,344 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6084% | 619 |
| Cost of funding earning assets | 0.5884% | 5,225 |
| Net interest margin | 5.0201% | 387 |
| Noninterest income to average assets | 0.9268% | 1,639 |
| Noninterest expense to average assets | 2.6445% | 4,646 |
| Loan and lease loss provision to assets | 0.0791% | 4,411 |
| Net operating income to assets | 2.8185% | 121 |
| Return on assets (ROA) | 2.9387% | 133 |
| Pretax return on assets | 2.9387% | 197 |
| Return on Equity (ROE) | 15.7145% | 847 |
| Retained earnings to average equity (ytd only) | 15.7145% | 387 |
| Net charge-offs to loans | -0.0663% | 6,653 |
| Credit loss provision to net charge-offs | -208.3333% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7169% | 6,824 |
| Assets per employee ($millions) | 4.4201% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 5,092 |
| Loan loss allowance to noncurrent loans | 146.9291% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 5,583 |
| Noncurrent loans to loans | 0.8736% | 4,924 |
| Net loans and leases to total assets | 55.9762% | 4,392 |
| Net loans and leases to deposits | 69.2186% | 3,840 |
| Net loans and leases to core deposits | 71.6281% | 4,207 |
| Total domestic deposits to total assets | 80.8688% | 5,644 |
| Equity capital to assets | 18.8005% | 295 |
| Core capital (leverage) ratio | 17.5438% | 322 |
| Tier 1 risk-based capital ratio | 28.0027% | 641 |
| Total risk-based capital ratio | 29.1845% | 632 |
| Memoranda: | ||
| Average total assets | $126,451,500 | 4,312 |
| Average earning assets | $116,253,500 | 4,289 |
| Average equity | $23,647,000 | 2,794 |
| Average total loans | $72,438,500 | 4,366 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9406% | 479 |
| Cost of funding earning assets | 0.7868% | 4,960 |
| Net interest margin | 5.1538% | 312 |
| Noninterest income to average assets | 0.8129% | 1,990 |
| Noninterest expense to average assets | 3.2108% | 2,828 |
| Loan and lease loss provision to assets | 0.1019% | 5,315 |
| Net operating income to assets | 2.2585% | 203 |
| Return on assets (ROA) | 2.2723% | 211 |
| Pretax return on assets | 2.2723% | 319 |
| Return on Equity (ROE) | 12.6811% | 1,236 |
| Retained earnings to average equity (ytd only) | 6.6750% | 1,653 |
| Net charge-offs to loans | 0.2713% | 4,078 |
| Credit loss provision to net charge-offs | 61.5764% | 5,132 |
| Earnings coverage of net charge-offs (x) | 14.2611% | 1,471 |
| Efficiency ratio | 57.6321% | 6,100 |
| Assets per employee ($millions) | 4.3007% | 3,245 |
| Cash dividends to net income (ytd only)* | 47.3628% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 5,223 |
| Loan loss allowance to noncurrent loans | 142.9027% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 5,667 |
| Noncurrent loans to loans | 0.8685% | 4,948 |
| Net loans and leases to total assets | 57.1648% | 4,522 |
| Net loans and leases to deposits | 70.4506% | 4,027 |
| Net loans and leases to core deposits | 73.1256% | 4,364 |
| Total domestic deposits to total assets | 81.1418% | 5,411 |
| Equity capital to assets | 18.5977% | 305 |
| Core capital (leverage) ratio | 16.9134% | 370 |
| Tier 1 risk-based capital ratio | 27.4861% | 663 |
| Total risk-based capital ratio | 28.6489% | 656 |
| Memoranda: | ||
| Average total assets | $122,650,200 | 4,330 |
| Average earning assets | $113,237,600 | 4,303 |
| Average equity | $21,977,600 | 2,895 |
| Average total loans | $74,834,800 | 4,323 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9948% | 465 |
| Cost of funding earning assets | 0.8287% | 4,959 |
| Net interest margin | 5.1661% | 304 |
| Noninterest income to average assets | 0.8188% | 1,966 |
| Noninterest expense to average assets | 2.6506% | 4,901 |
| Loan and lease loss provision to assets | 0.1092% | 5,073 |
| Net operating income to assets | 2.8296% | 105 |
| Return on assets (ROA) | 2.8482% | 108 |
| Pretax return on assets | 2.8482% | 158 |
| Return on Equity (ROE) | 16.0501% | 680 |
| Retained earnings to average equity (ytd only) | 7.9297% | 1,530 |
| Net charge-offs to loans | 0.3055% | 3,562 |
| Credit loss provision to net charge-offs | 57.8035% | 4,857 |
| Earnings coverage of net charge-offs (x) | 15.5607% | 1,459 |
| Efficiency ratio | 47.4219% | 6,990 |
| Assets per employee ($millions) | 4.3052% | 3,264 |
| Cash dividends to net income (ytd only)* | 50.5942% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 5,330 |
| Loan loss allowance to noncurrent loans | 159.1873% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 5,955 |
| Noncurrent loans to loans | 0.7746% | 5,324 |
| Net loans and leases to total assets | 57.8022% | 4,541 |
| Net loans and leases to deposits | 71.4954% | 4,064 |
| Net loans and leases to core deposits | 74.2747% | 4,409 |
| Total domestic deposits to total assets | 80.8474% | 5,482 |
| Equity capital to assets | 18.6584% | 336 |
| Core capital (leverage) ratio | 17.0676% | 393 |
| Tier 1 risk-based capital ratio | 27.3430% | 712 |
| Total risk-based capital ratio | 28.5160% | 700 |
| Memoranda: | ||
| Average total assets | $122,132,750 | 4,359 |
| Average earning assets | $112,783,750 | 4,339 |
| Average equity | $21,673,250 | 2,920 |
| Average total loans | $75,495,500 | 4,334 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0515% | 431 |
| Cost of funding earning assets | 0.8617% | 4,974 |
| Net interest margin | 5.1898% | 284 |
| Noninterest income to average assets | 0.7903% | 2,071 |
| Noninterest expense to average assets | 2.7387% | 4,661 |
| Loan and lease loss provision to assets | 0.0330% | 5,903 |
| Net operating income to assets | 2.8179% | 112 |
| Return on assets (ROA) | 2.8459% | 114 |
| Pretax return on assets | 2.8459% | 155 |
| Return on Equity (ROE) | 16.3254% | 635 |
| Retained earnings to average equity (ytd only) | 3.8329% | 3,769 |
| Net charge-offs to loans | 0.1494% | 4,293 |
| Credit loss provision to net charge-offs | 35.0877% | 4,906 |
| Earnings coverage of net charge-offs (x) | 30.3158% | 911 |
| Efficiency ratio | 48.9965% | 7,009 |
| Assets per employee ($millions) | 4.2143% | 3,327 |
| Cash dividends to net income (ytd only)* | 76.5217% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2377% | 5,375 |
| Loan loss allowance to noncurrent loans | 174.8134% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 6,046 |
| Noncurrent loans to loans | 0.7080% | 5,494 |
| Net loans and leases to total assets | 61.1796% | 4,050 |
| Net loans and leases to deposits | 74.6662% | 3,695 |
| Net loans and leases to core deposits | 77.6750% | 4,093 |
| Total domestic deposits to total assets | 81.9374% | 5,192 |
| Equity capital to assets | 17.6379% | 412 |
| Core capital (leverage) ratio | 16.4337% | 461 |
| Tier 1 risk-based capital ratio | 25.7477% | 832 |
| Total risk-based capital ratio | 26.9469% | 819 |
| Memoranda: | ||
| Average total assets | $121,227,000 | 4,414 |
| Average earning assets | $112,104,330 | 4,382 |
| Average equity | $21,132,670 | 2,978 |
| Average total loans | $76,305,000 | 4,338 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0083% | 462 |
| Cost of funding earning assets | 0.9032% | 4,895 |
| Net interest margin | 5.1051% | 304 |
| Noninterest income to average assets | 0.7918% | 2,061 |
| Noninterest expense to average assets | 2.6008% | 5,222 |
| Loan and lease loss provision to assets | 0.0663% | 5,167 |
| Net operating income to assets | 2.8625% | 121 |
| Return on assets (ROA) | 2.9188% | 121 |
| Pretax return on assets | 2.9188% | 156 |
| Return on Equity (ROE) | 16.8443% | 590 |
| Retained earnings to average equity (ytd only) | 16.8443% | 292 |
| Net charge-offs to loans | 0.1201% | 3,812 |
| Credit loss provision to net charge-offs | 86.9565% | 2,995 |
| Earnings coverage of net charge-offs (x) | 38.4348% | 702 |
| Efficiency ratio | 47.0342% | 7,157 |
| Assets per employee ($millions) | 4.2423% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 5,298 |
| Loan loss allowance to noncurrent loans | 247.0738% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 6,394 |
| Noncurrent loans to loans | 0.5138% | 5,996 |
| Net loans and leases to total assets | 61.3830% | 3,993 |
| Net loans and leases to deposits | 74.5663% | 3,673 |
| Net loans and leases to core deposits | 77.1597% | 4,137 |
| Total domestic deposits to total assets | 82.3200% | 5,183 |
| Equity capital to assets | 17.3394% | 413 |
| Core capital (leverage) ratio | 16.9125% | 401 |
| Tier 1 risk-based capital ratio | 26.1100% | 779 |
| Total risk-based capital ratio | 27.3411% | 760 |
| Memoranda: | ||
| Average total assets | $120,733,500 | 4,454 |
| Average earning assets | $112,044,500 | 4,405 |
| Average equity | $20,921,000 | 2,989 |
| Average total loans | $76,604,000 | 4,369 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2676% | 491 |
| Cost of funding earning assets | 1.0636% | 5,346 |
| Net interest margin | 5.2040% | 281 |
| Noninterest income to average assets | 0.8797% | 1,924 |
| Noninterest expense to average assets | 3.2781% | 2,802 |
| Loan and lease loss provision to assets | 0.1910% | 5,321 |
| Net operating income to assets | 2.2074% | 197 |
| Return on assets (ROA) | 2.2074% | 202 |
| Pretax return on assets | 2.2074% | 315 |
| Return on Equity (ROE) | 12.5458% | 1,207 |
| Retained earnings to average equity (ytd only) | 7.3636% | 1,188 |
| Net charge-offs to loans | 0.2995% | 4,520 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 12.5545% | 1,488 |
| Efficiency ratio | 57.7482% | 6,368 |
| Assets per employee ($millions) | 4.0842% | 3,608 |
| Cash dividends to net income (ytd only)* | 41.3061% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 5,162 |
| Loan loss allowance to noncurrent loans | 206.3559% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 6,273 |
| Noncurrent loans to loans | 0.6152% | 5,819 |
| Net loans and leases to total assets | 63.9525% | 3,884 |
| Net loans and leases to deposits | 77.6015% | 3,576 |
| Net loans and leases to core deposits | 80.1910% | 4,184 |
| Total domestic deposits to total assets | 82.4115% | 5,056 |
| Equity capital to assets | 17.3166% | 424 |
| Core capital (leverage) ratio | 16.4253% | 455 |
| Tier 1 risk-based capital ratio | 25.2760% | 822 |
| Total risk-based capital ratio | 26.5209% | 802 |
| Memoranda: | ||
| Average total assets | $115,156,600 | 4,589 |
| Average earning assets | $106,149,200 | 4,558 |
| Average equity | $20,261,800 | 3,113 |
| Average total loans | $73,450,200 | 4,550 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3072% | 499 |
| Cost of funding earning assets | 1.1005% | 5,412 |
| Net interest margin | 5.2067% | 291 |
| Noninterest income to average assets | 0.8536% | 1,982 |
| Noninterest expense to average assets | 2.7241% | 4,780 |
| Loan and lease loss provision to assets | 0.2332% | 4,740 |
| Net operating income to assets | 2.6798% | 114 |
| Return on assets (ROA) | 2.6798% | 120 |
| Pretax return on assets | 2.6798% | 176 |
| Return on Equity (ROE) | 15.1681% | 830 |
| Retained earnings to average equity (ytd only) | 8.2375% | 1,338 |
| Net charge-offs to loans | 0.2937% | 4,195 |
| Credit loss provision to net charge-offs | 125.0000% | 3,279 |
| Earnings coverage of net charge-offs (x) | 15.6123% | 1,428 |
| Efficiency ratio | 48.3244% | 7,251 |
| Assets per employee ($millions) | 3.9769% | 3,886 |
| Cash dividends to net income (ytd only)* | 45.6921% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,688 |
| Loan loss allowance to noncurrent loans | 152.7108% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 5,997 |
| Noncurrent loans to loans | 0.8886% | 5,461 |
| Net loans and leases to total assets | 63.9145% | 4,143 |
| Net loans and leases to deposits | 78.6924% | 3,689 |
| Net loans and leases to core deposits | 81.0138% | 4,382 |
| Total domestic deposits to total assets | 81.2207% | 5,292 |
| Equity capital to assets | 18.2729% | 391 |
| Core capital (leverage) ratio | 16.9219% | 438 |
| Tier 1 risk-based capital ratio | 25.5975% | 805 |
| Total risk-based capital ratio | 26.8478% | 790 |
| Memoranda: | ||
| Average total assets | $114,335,500 | 4,666 |
| Average earning assets | $105,041,250 | 4,638 |
| Average equity | $20,199,750 | 3,164 |
| Average total loans | $72,632,750 | 4,649 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2470% | 568 |
| Cost of funding earning assets | 1.1291% | 5,526 |
| Net interest margin | 5.1180% | 328 |
| Noninterest income to average assets | 0.8491% | 1,886 |
| Noninterest expense to average assets | 2.7876% | 4,546 |
| Loan and lease loss provision to assets | 0.3509% | 3,617 |
| Net operating income to assets | 2.4262% | 154 |
| Return on assets (ROA) | 2.4262% | 161 |
| Pretax return on assets | 2.4262% | 261 |
| Return on Equity (ROE) | 13.8937% | 1,066 |
| Retained earnings to average equity (ytd only) | 13.8937% | 314 |
| Net charge-offs to loans | 0.2808% | 3,935 |
| Credit loss provision to net charge-offs | 198.0198% | 1,994 |
| Earnings coverage of net charge-offs (x) | 15.6733% | 1,444 |
| Efficiency ratio | 50.0946% | 7,218 |
| Assets per employee ($millions) | 3.9894% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 4,056 |
| Loan loss allowance to noncurrent loans | 223.0769% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 6,411 |
| Noncurrent loans to loans | 0.6597% | 5,931 |
| Net loans and leases to total assets | 62.0931% | 4,667 |
| Net loans and leases to deposits | 76.3812% | 4,262 |
| Net loans and leases to core deposits | 78.8398% | 4,828 |
| Total domestic deposits to total assets | 81.2938% | 5,295 |
| Equity capital to assets | 18.0303% | 414 |
| Core capital (leverage) ratio | 17.0182% | 439 |
| Tier 1 risk-based capital ratio | 25.3403% | 818 |
| Total risk-based capital ratio | 26.5915% | 800 |
| Memoranda: | ||
| Average total assets | $114,004,330 | 4,705 |
| Average earning assets | $105,041,670 | 4,666 |
| Average equity | $19,908,330 | 3,187 |
| Average total loans | $71,935,000 | 4,719 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1572% | 698 |
| Cost of funding earning assets | 1.1909% | 5,454 |
| Net interest margin | 4.9664% | 446 |
| Noninterest income to average assets | 0.8978% | 1,633 |
| Noninterest expense to average assets | 2.6900% | 4,953 |
| Loan and lease loss provision to assets | 0.5302% | 2,380 |
| Net operating income to assets | 2.2623% | 229 |
| Return on assets (ROA) | 2.2623% | 254 |
| Pretax return on assets | 2.2623% | 378 |
| Return on Equity (ROE) | 13.1738% | 1,219 |
| Retained earnings to average equity (ytd only) | 13.1738% | 600 |
| Net charge-offs to loans | 0.3191% | 3,135 |
| Credit loss provision to net charge-offs | 263.1579% | 1,494 |
| Earnings coverage of net charge-offs (x) | 13.8596% | 1,467 |
| Efficiency ratio | 49.0651% | 7,372 |
| Assets per employee ($millions) | 3.8247% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 3,917 |
| Loan loss allowance to noncurrent loans | 270.1266% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 6,618 |
| Noncurrent loans to loans | 0.5547% | 6,186 |
| Net loans and leases to total assets | 61.1311% | 4,920 |
| Net loans and leases to deposits | 74.2097% | 4,707 |
| Net loans and leases to core deposits | 77.6657% | 5,063 |
| Total domestic deposits to total assets | 82.3761% | 4,899 |
| Equity capital to assets | 17.2666% | 499 |
| Core capital (leverage) ratio | 16.6188% | 491 |
| Tier 1 risk-based capital ratio | 25.3164% | 830 |
| Total risk-based capital ratio | 26.5272% | 815 |
| Memoranda: | ||
| Average total assets | $113,159,500 | 4,795 |
| Average earning assets | $104,462,500 | 4,746 |
| Average equity | $19,432,500 | 3,275 |
| Average total loans | $71,447,000 | 4,804 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7384% | 428 |
| Cost of funding earning assets | 1.4127% | 5,879 |
| Net interest margin | 5.3257% | 232 |
| Noninterest income to average assets | 0.8858% | 2,003 |
| Noninterest expense to average assets | 3.2742% | 3,109 |
| Loan and lease loss provision to assets | 0.6562% | 3,187 |
| Net operating income to assets | 1.8851% | 301 |
| Return on assets (ROA) | 1.8897% | 303 |
| Pretax return on assets | 1.8897% | 522 |
| Return on Equity (ROE) | 11.0109% | 1,420 |
| Retained earnings to average equity (ytd only) | 6.9146% | 992 |
| Net charge-offs to loans | 0.6442% | 3,260 |
| Credit loss provision to net charge-offs | 153.8462% | 2,972 |
| Earnings coverage of net charge-offs (x) | 5.9582% | 2,459 |
| Efficiency ratio | 56.3024% | 6,973 |
| Assets per employee ($millions) | 3.8475% | 4,150 |
| Cash dividends to net income (ytd only)* | 37.2024% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 4,436 |
| Loan loss allowance to noncurrent loans | 96.4356% | 2,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 5,287 |
| Noncurrent loans to loans | 1.4090% | 4,572 |
| Net loans and leases to total assets | 63.3733% | 4,729 |
| Net loans and leases to deposits | 76.6886% | 4,629 |
| Net loans and leases to core deposits | 90.0202% | 5,125 |
| Total domestic deposits to total assets | 82.6371% | 4,690 |
| Equity capital to assets | 17.0761% | 552 |
| Core capital (leverage) ratio | 16.9362% | 498 |
| Tier 1 risk-based capital ratio | 24.7417% | 875 |
| Total risk-based capital ratio | 25.9922% | 850 |
| Memoranda: | ||
| Average total assets | $106,681,200 | 4,912 |
| Average earning assets | $98,747,600 | 4,874 |
| Average equity | $18,309,200 | 3,463 |
| Average total loans | $70,626,600 | 4,848 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8226% | 399 |
| Cost of funding earning assets | 1.4738% | 5,940 |
| Net interest margin | 5.3489% | 233 |
| Noninterest income to average assets | 0.9103% | 1,936 |
| Noninterest expense to average assets | 2.8131% | 4,836 |
| Loan and lease loss provision to assets | 0.6638% | 2,751 |
| Net operating income to assets | 2.3984% | 122 |
| Return on assets (ROA) | 2.4047% | 135 |
| Pretax return on assets | 2.4047% | 229 |
| Return on Equity (ROE) | 13.9927% | 932 |
| Retained earnings to average equity (ytd only) | 8.4751% | 987 |
| Net charge-offs to loans | 0.5438% | 3,055 |
| Credit loss provision to net charge-offs | 182.9268% | 2,494 |
| Earnings coverage of net charge-offs (x) | 8.4390% | 2,241 |
| Efficiency ratio | 47.8804% | 7,668 |
| Assets per employee ($millions) | 3.6496% | 4,544 |
| Cash dividends to net income (ytd only)* | 39.4323% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 4,195 |
| Loan loss allowance to noncurrent loans | 147.4085% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 5,901 |
| Noncurrent loans to loans | 0.9168% | 5,457 |
| Net loans and leases to total assets | 66.6903% | 4,261 |
| Net loans and leases to deposits | 81.7453% | 4,076 |
| Net loans and leases to core deposits | 96.9028% | 4,717 |
| Total domestic deposits to total assets | 81.5830% | 4,840 |
| Equity capital to assets | 17.6696% | 543 |
| Core capital (leverage) ratio | 16.6186% | 600 |
| Tier 1 risk-based capital ratio | 24.4395% | 956 |
| Total risk-based capital ratio | 25.6625% | 942 |
| Memoranda: | ||
| Average total assets | $105,457,250 | 4,975 |
| Average earning assets | $97,887,750 | 4,925 |
| Average equity | $18,123,250 | 3,512 |
| Average total loans | $70,362,250 | 4,901 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7715% | 475 |
| Cost of funding earning assets | 1.5275% | 6,031 |
| Net interest margin | 5.2441% | 273 |
| Noninterest income to average assets | 0.9209% | 1,894 |
| Noninterest expense to average assets | 2.8710% | 4,626 |
| Loan and lease loss provision to assets | 0.5696% | 2,735 |
| Net operating income to assets | 2.3564% | 143 |
| Return on assets (ROA) | 2.3640% | 157 |
| Pretax return on assets | 2.3640% | 271 |
| Return on Equity (ROE) | 13.8868% | 1,013 |
| Retained earnings to average equity (ytd only) | 13.8868% | 265 |
| Net charge-offs to loans | 0.3144% | 3,616 |
| Credit loss provision to net charge-offs | 272.7273% | 1,712 |
| Earnings coverage of net charge-offs (x) | 14.0091% | 1,691 |
| Efficiency ratio | 49.5251% | 7,693 |
| Assets per employee ($millions) | 3.7091% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 4,206 |
| Loan loss allowance to noncurrent loans | 124.1892% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 5,516 |
| Noncurrent loans to loans | 1.0556% | 5,104 |
| Net loans and leases to total assets | 64.3208% | 4,919 |
| Net loans and leases to deposits | 78.3356% | 4,810 |
| Net loans and leases to core deposits | 92.1583% | 5,332 |
| Total domestic deposits to total assets | 82.1093% | 4,643 |
| Equity capital to assets | 17.1888% | 637 |
| Core capital (leverage) ratio | 16.8559% | 635 |
| Tier 1 risk-based capital ratio | 24.9468% | 945 |
| Total risk-based capital ratio | 26.1804% | 929 |
| Memoranda: | ||
| Average total assets | $105,330,670 | 5,002 |
| Average earning assets | $97,939,330 | 4,954 |
| Average equity | $17,930,670 | 3,561 |
| Average total loans | $69,966,330 | 4,961 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8705% | 427 |
| Cost of funding earning assets | 1.6205% | 5,945 |
| Net interest margin | 5.2500% | 256 |
| Noninterest income to average assets | 0.8751% | 1,960 |
| Noninterest expense to average assets | 2.7827% | 4,636 |
| Loan and lease loss provision to assets | 0.5757% | 2,186 |
| Net operating income to assets | 2.3912% | 160 |
| Return on assets (ROA) | 2.4066% | 185 |
| Pretax return on assets | 2.4066% | 297 |
| Return on Equity (ROE) | 14.2084% | 1,127 |
| Retained earnings to average equity (ytd only) | 14.2084% | 499 |
| Net charge-offs to loans | 0.2289% | 3,266 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 19.3250% | 1,427 |
| Efficiency ratio | 48.3979% | 7,706 |
| Assets per employee ($millions) | 3.6438% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 4,820 |
| Loan loss allowance to noncurrent loans | 140.3010% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 5,420 |
| Noncurrent loans to loans | 0.8536% | 5,318 |
| Net loans and leases to total assets | 65.5027% | 4,704 |
| Net loans and leases to deposits | 79.5861% | 4,681 |
| Net loans and leases to core deposits | 94.0115% | 5,148 |
| Total domestic deposits to total assets | 82.3042% | 4,436 |
| Equity capital to assets | 17.0902% | 714 |
| Core capital (leverage) ratio | 16.5905% | 702 |
| Tier 1 risk-based capital ratio | 23.9986% | 1,082 |
| Total risk-based capital ratio | 25.1611% | 1,069 |
| Memoranda: | ||
| Average total assets | $104,214,000 | 5,062 |
| Average earning assets | $96,761,500 | 5,008 |
| Average equity | $17,651,500 | 3,613 |
| Average total loans | $69,897,000 | 4,986 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3815% | 511 |
| Cost of funding earning assets | 2.1295% | 5,931 |
| Net interest margin | 5.2521% | 307 |
| Noninterest income to average assets | 0.9562% | 1,740 |
| Noninterest expense to average assets | 3.3184% | 2,908 |
| Loan and lease loss provision to assets | 0.4932% | 2,847 |
| Net operating income to assets | 2.0150% | 343 |
| Return on assets (ROA) | 2.0150% | 324 |
| Pretax return on assets | 2.0150% | 581 |
| Return on Equity (ROE) | 11.6536% | 1,697 |
| Retained earnings to average equity (ytd only) | 2.6602% | 3,521 |
| Net charge-offs to loans | 0.2870% | 3,484 |
| Credit loss provision to net charge-offs | 256.5445% | 1,811 |
| Earnings coverage of net charge-offs (x) | 13.0471% | 2,178 |
| Efficiency ratio | 56.9528% | 6,882 |
| Assets per employee ($millions) | 3.3148% | 5,177 |
| Cash dividends to net income (ytd only)* | 77.1728% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 5,663 |
| Loan loss allowance to noncurrent loans | 121.7028% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 5,434 |
| Noncurrent loans to loans | 0.8589% | 4,903 |
| Net loans and leases to total assets | 67.1571% | 4,607 |
| Net loans and leases to deposits | 81.2351% | 4,835 |
| Net loans and leases to core deposits | 95.9258% | 5,264 |
| Total domestic deposits to total assets | 82.6701% | 3,910 |
| Equity capital to assets | 16.7810% | 799 |
| Core capital (leverage) ratio | 16.2570% | 789 |
| Tier 1 risk-based capital ratio | 23.1686% | 1,172 |
| Total risk-based capital ratio | 24.1804% | 1,177 |
| Memoranda: | ||
| Average total assets | $99,354,600 | 5,071 |
| Average earning assets | $92,135,400 | 5,025 |
| Average equity | $17,179,200 | 3,704 |
| Average total loans | $66,545,400 | 4,998 |