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BancCentral, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 3,876 |
| Cost of funding earning assets | 1.9670% | 966 |
| Net interest margin | 2.0866% | 4,382 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 3.4016% | 656 |
| Loan and lease loss provision to assets | 0.7700% | 97 |
| Net operating income to assets | -1.8781% | 4,566 |
| Return on assets (ROA) | -2.2870% | 4,572 |
| Pretax return on assets | -2.2870% | 4,566 |
| Return on Equity (ROE) | -49.1400% | 4,570 |
| Retained earnings to average equity (ytd only) | -49.1364% | 4,556 |
| Net charge-offs to loans | -0.1952% | 4,558 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 148.4514% | 43 |
| Assets per employee ($millions) | 5.5988% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1311% | 28 |
| Loan loss allowance to noncurrent loans | 26.0982% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 12.3848% | 5 |
| Noncurrent loans to loans | 23.4926% | 2 |
| Net loans and leases to total assets | 46.6600% | 3,785 |
| Net loans and leases to deposits | 49.2941% | 3,965 |
| Net loans and leases to core deposits | 57.7566% | 3,843 |
| Total domestic deposits to total assets | 94.6600% | 71 |
| Equity capital to assets | 4.5880% | 4,460 |
| Core capital (leverage) ratio | 8.9787% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8404% | 1,921 |
| Memoranda: | ||
| Average total assets | $343,811,400 | 2,216 |
| Average earning assets | $302,641,400 | 2,290 |
| Average equity | $16,002,400 | 3,182 |
| Average total loans | $184,472,400 | 2,402 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 3,910 |
| Cost of funding earning assets | 1.6480% | 1,282 |
| Net interest margin | 2.3098% | 4,302 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 3.4016% | 623 |
| Loan and lease loss provision to assets | 0.4900% | 161 |
| Net operating income to assets | -1.4092% | 4,582 |
| Return on assets (ROA) | -1.9079% | 4,587 |
| Pretax return on assets | -1.9079% | 4,586 |
| Return on Equity (ROE) | -40.8600% | 4,597 |
| Retained earnings to average equity (ytd only) | -40.8577% | 4,584 |
| Net charge-offs to loans | -0.3485% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 137.2004% | 54 |
| Assets per employee ($millions) | 6.0373% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9908% | 44 |
| Loan loss allowance to noncurrent loans | 44.0228% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 6.3892% | 18 |
| Noncurrent loans to loans | 11.3369% | 5 |
| Net loans and leases to total assets | 47.8800% | 3,745 |
| Net loans and leases to deposits | 49.6666% | 3,949 |
| Net loans and leases to core deposits | 59.9405% | 3,709 |
| Total domestic deposits to total assets | 96.4000% | 66 |
| Equity capital to assets | 2.8555% | 4,500 |
| Core capital (leverage) ratio | 9.5391% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4410% | 1,735 |
| Memoranda: | ||
| Average total assets | $349,980,750 | 2,200 |
| Average earning assets | $308,480,500 | 2,252 |
| Average equity | $16,342,500 | 3,142 |
| Average total loans | $190,932,250 | 2,354 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8376% | 3,971 |
| Cost of funding earning assets | 1.3634% | 1,546 |
| Net interest margin | 2.4742% | 4,231 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.3576% | 638 |
| Loan and lease loss provision to assets | 0.7200% | 101 |
| Net operating income to assets | -1.4754% | 4,617 |
| Return on assets (ROA) | -2.1619% | 4,627 |
| Pretax return on assets | -2.1619% | 4,625 |
| Return on Equity (ROE) | -41.2000% | 4,627 |
| Retained earnings to average equity (ytd only) | -41.2018% | 4,609 |
| Net charge-offs to loans | -2.0507% | 4,663 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 128.9217% | 57 |
| Assets per employee ($millions) | 5.5160% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1216% | 46 |
| Loan loss allowance to noncurrent loans | 40.7490% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 8.6380% | 16 |
| Noncurrent loans to loans | 12.5685% | 5 |
| Net loans and leases to total assets | 55.2300% | 3,171 |
| Net loans and leases to deposits | 58.5316% | 3,510 |
| Net loans and leases to core deposits | 73.5805% | 2,919 |
| Total domestic deposits to total assets | 94.3600% | 132 |
| Equity capital to assets | 4.9789% | 4,382 |
| Core capital (leverage) ratio | 9.5879% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1147% | 2,250 |
| Memoranda: | ||
| Average total assets | $353,945,333 | 2,187 |
| Average earning assets | $311,863,333 | 2,248 |
| Average equity | $18,572,000 | 2,978 |
| Average total loans | $197,785,333 | 2,305 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 4,077 |
| Cost of funding earning assets | 0.9730% | 2,142 |
| Net interest margin | 2.6949% | 4,078 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 3.2966% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.4798% | 4,586 |
| Return on assets (ROA) | -0.4401% | 4,572 |
| Pretax return on assets | -0.4401% | 4,561 |
| Return on Equity (ROE) | -8.1900% | 4,586 |
| Retained earnings to average equity (ytd only) | -8.1924% | 4,438 |
| Net charge-offs to loans | 0.2939% | 266 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -2.9795% | 4,653 |
| Efficiency ratio | 117.0321% | 78 |
| Assets per employee ($millions) | 5.8007% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9877% | 62 |
| Loan loss allowance to noncurrent loans | 28.9845% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 9.0958% | 4 |
| Noncurrent loans to loans | 13.7579% | 5 |
| Net loans and leases to total assets | 54.3600% | 3,172 |
| Net loans and leases to deposits | 58.7631% | 3,409 |
| Net loans and leases to core deposits | 66.5390% | 3,185 |
| Total domestic deposits to total assets | 92.5100% | 395 |
| Equity capital to assets | 5.4954% | 4,339 |
| Core capital (leverage) ratio | 10.1307% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7100% | 2,087 |
| Memoranda: | ||
| Average total assets | $362,679,000 | 2,188 |
| Average earning assets | $319,417,500 | 2,257 |
| Average equity | $19,481,500 | 2,935 |
| Average total loans | $198,739,000 | 2,315 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4873% | 3,111 |
| Cost of funding earning assets | 0.5247% | 1,238 |
| Net interest margin | 2.9626% | 3,538 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 3.1814% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2940% | 4,371 |
| Return on assets (ROA) | 0.3412% | 4,291 |
| Pretax return on assets | 0.3412% | 4,339 |
| Return on Equity (ROE) | 6.4000% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.4026% | 2,491 |
| Net charge-offs to loans | 1.0788% | 62 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.5083% | 2,559 |
| Efficiency ratio | 90.6500% | 285 |
| Assets per employee ($millions) | 5.7170% | 3,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0869% | 61 |
| Loan loss allowance to noncurrent loans | 25.0145% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 8.7048% | 4 |
| Noncurrent loans to loans | 16.3381% | 3 |
| Net loans and leases to total assets | 50.9500% | 3,435 |
| Net loans and leases to deposits | 54.0244% | 3,677 |
| Net loans and leases to core deposits | 59.8568% | 3,515 |
| Total domestic deposits to total assets | 94.3000% | 210 |
| Equity capital to assets | 5.2574% | 4,299 |
| Core capital (leverage) ratio | 9.9802% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0546% | 1,959 |
| Memoranda: | ||
| Average total assets | $468,373,800 | 1,809 |
| Average earning assets | $416,622,400 | 1,856 |
| Average equity | $24,958,800 | 2,583 |
| Average total loans | $251,122,800 | 1,937 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5542% | 2,454 |
| Cost of funding earning assets | 0.4688% | 884 |
| Net interest margin | 3.0854% | 2,973 |
| Noninterest income to average assets | 0.9400% | 760 |
| Noninterest expense to average assets | 3.1243% | 754 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5599% | 3,939 |
| Return on assets (ROA) | 0.6199% | 3,741 |
| Pretax return on assets | 0.6199% | 3,952 |
| Return on Equity (ROE) | 11.5600% | 2,187 |
| Retained earnings to average equity (ytd only) | 11.5601% | 902 |
| Net charge-offs to loans | 1.5567% | 35 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.6668% | 2,289 |
| Efficiency ratio | 83.6010% | 570 |
| Assets per employee ($millions) | 4.9061% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3263% | 58 |
| Loan loss allowance to noncurrent loans | 35.4566% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 7.2954% | 6 |
| Noncurrent loans to loans | 12.2017% | 4 |
| Net loans and leases to total assets | 55.7900% | 2,919 |
| Net loans and leases to deposits | 59.1928% | 3,268 |
| Net loans and leases to core deposits | 66.4592% | 2,919 |
| Total domestic deposits to total assets | 94.2600% | 324 |
| Equity capital to assets | 5.1976% | 4,236 |
| Core capital (leverage) ratio | 7.6385% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6587% | 2,191 |
| Memoranda: | ||
| Average total assets | $491,241,000 | 1,750 |
| Average earning assets | $437,403,000 | 1,804 |
| Average equity | $26,342,750 | 2,549 |
| Average total loans | $264,995,000 | 1,877 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1723% | 3,138 |
| Cost of funding earning assets | 0.4113% | 853 |
| Net interest margin | 2.7610% | 3,548 |
| Noninterest income to average assets | 0.7895% | 1,073 |
| Noninterest expense to average assets | 2.8174% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4409% | 4,025 |
| Return on assets (ROA) | 0.5242% | 3,784 |
| Pretax return on assets | 0.5242% | 3,957 |
| Return on Equity (ROE) | 9.7057% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.7057% | 1,099 |
| Net charge-offs to loans | 1.4770% | 42 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.5641% | 2,094 |
| Efficiency ratio | 85.2070% | 612 |
| Assets per employee ($millions) | 6.6833% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9600% | 70 |
| Loan loss allowance to noncurrent loans | 34.9114% | 3,905 |
| Noncurrent assets plus other real estate owned to assets | 6.2386% | 10 |
| Noncurrent loans to loans | 11.3431% | 9 |
| Net loans and leases to total assets | 50.4495% | 3,328 |
| Net loans and leases to deposits | 52.8781% | 3,619 |
| Net loans and leases to core deposits | 57.8521% | 3,432 |
| Total domestic deposits to total assets | 95.4071% | 110 |
| Equity capital to assets | 4.2360% | 4,596 |
| Core capital (leverage) ratio | 6.5622% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9151% | 3,025 |
| Memoranda: | ||
| Average total assets | $530,700,000 | 1,676 |
| Average earning assets | $474,546,667 | 1,710 |
| Average equity | $28,663,667 | 2,485 |
| Average total loans | $280,847,667 | 1,803 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9043% | 3,524 |
| Cost of funding earning assets | 0.4181% | 779 |
| Net interest margin | 2.4863% | 3,925 |
| Noninterest income to average assets | 0.3667% | 2,892 |
| Noninterest expense to average assets | 2.6937% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1027% | 4,598 |
| Return on assets (ROA) | 0.0770% | 4,467 |
| Pretax return on assets | 0.0770% | 4,467 |
| Return on Equity (ROE) | 1.2971% | 4,374 |
| Retained earnings to average equity (ytd only) | 1.2971% | 3,748 |
| Net charge-offs to loans | 1.6643% | 46 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | -0.1162% | 1,784 |
| Efficiency ratio | 102.4059% | 209 |
| Assets per employee ($millions) | 8.2011% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9600% | 73 |
| Loan loss allowance to noncurrent loans | 29.9002% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 8.6523% | 4 |
| Noncurrent loans to loans | 13.2441% | 7 |
| Net loans and leases to total assets | 50.6131% | 3,115 |
| Net loans and leases to deposits | 53.6458% | 3,443 |
| Net loans and leases to core deposits | 58.6841% | 3,260 |
| Total domestic deposits to total assets | 94.3469% | 84 |
| Equity capital to assets | 5.3457% | 4,682 |
| Core capital (leverage) ratio | 6.2436% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.6135% | 3,089 |
| Memoranda: | ||
| Average total assets | $545,425,000 | 1,651 |
| Average earning assets | $487,961,500 | 1,691 |
| Average equity | $32,379,000 | 2,366 |
| Average total loans | $289,619,000 | 1,741 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3126% | 3,168 |
| Cost of funding earning assets | 0.5468% | 727 |
| Net interest margin | 2.7659% | 3,742 |
| Noninterest income to average assets | 0.8169% | 1,407 |
| Noninterest expense to average assets | 2.9261% | 1,105 |
| Loan and lease loss provision to assets | 1.6639% | 11 |
| Net operating income to assets | -1.3101% | 4,799 |
| Return on assets (ROA) | -0.2586% | 4,736 |
| Pretax return on assets | -0.2550% | 4,736 |
| Return on Equity (ROE) | -3.5111% | 4,760 |
| Retained earnings to average equity (ytd only) | -4.2477% | 4,691 |
| Net charge-offs to loans | 2.5285% | 17 |
| Credit loss provision to net charge-offs | 119.4030% | 1,651 |
| Earnings coverage of net charge-offs (x) | 0.2565% | 2,644 |
| Efficiency ratio | 87.9152% | 392 |
| Assets per employee ($millions) | 8.0820% | 1,290 |
| Cash dividends to net income (ytd only)* | -20.9790% | 4,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2522% | 59 |
| Loan loss allowance to noncurrent loans | 35.5809% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 7.8355% | 7 |
| Noncurrent loans to loans | 11.9509% | 10 |
| Net loans and leases to total assets | 51.2187% | 3,151 |
| Net loans and leases to deposits | 54.9715% | 3,521 |
| Net loans and leases to core deposits | 61.2930% | 3,217 |
| Total domestic deposits to total assets | 93.1731% | 42 |
| Equity capital to assets | 6.5183% | 4,788 |
| Core capital (leverage) ratio | 6.1075% | 4,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.1048% | 3,087 |
| Memoranda: | ||
| Average total assets | $552,916,800 | 1,568 |
| Average earning assets | $493,083,600 | 1,626 |
| Average equity | $40,728,000 | 2,059 |
| Average total loans | $304,728,400 | 1,689 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 3,028 |
| Cost of funding earning assets | 0.5696% | 744 |
| Net interest margin | 2.8561% | 3,640 |
| Noninterest income to average assets | 0.9084% | 1,239 |
| Noninterest expense to average assets | 2.9098% | 1,112 |
| Loan and lease loss provision to assets | 1.3725% | 14 |
| Net operating income to assets | -0.8219% | 4,852 |
| Return on assets (ROA) | 0.4322% | 4,359 |
| Pretax return on assets | 0.4370% | 4,443 |
| Return on Equity (ROE) | 5.7045% | 3,982 |
| Retained earnings to average equity (ytd only) | 4.7511% | 3,311 |
| Net charge-offs to loans | 2.9167% | 13 |
| Credit loss provision to net charge-offs | 84.7584% | 1,695 |
| Earnings coverage of net charge-offs (x) | 0.3352% | 2,406 |
| Efficiency ratio | 83.1369% | 569 |
| Assets per employee ($millions) | 7.6310% | 1,487 |
| Cash dividends to net income (ytd only)* | 16.7131% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4489% | 110 |
| Loan loss allowance to noncurrent loans | 40.4433% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 4.6712% | 34 |
| Noncurrent loans to loans | 8.5277% | 24 |
| Net loans and leases to total assets | 51.5716% | 3,242 |
| Net loans and leases to deposits | 56.0512% | 3,574 |
| Net loans and leases to core deposits | 63.4018% | 3,186 |
| Total domestic deposits to total assets | 92.0080% | 124 |
| Equity capital to assets | 7.5581% | 4,691 |
| Core capital (leverage) ratio | 6.6809% | 4,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.9702% | 3,117 |
| Memoranda: | ||
| Average total assets | $553,752,250 | 1,573 |
| Average earning assets | $493,241,750 | 1,638 |
| Average equity | $41,954,250 | 2,044 |
| Average total loans | $307,414,000 | 1,699 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 2,414 |
| Cost of funding earning assets | 0.5827% | 810 |
| Net interest margin | 3.0899% | 3,065 |
| Noninterest income to average assets | 0.5453% | 2,425 |
| Noninterest expense to average assets | 2.8635% | 1,224 |
| Loan and lease loss provision to assets | 2.8774% | 4 |
| Net operating income to assets | -2.4518% | 4,925 |
| Return on assets (ROA) | -1.7630% | 4,918 |
| Pretax return on assets | -1.7584% | 4,917 |
| Return on Equity (ROE) | -20.8689% | 4,932 |
| Retained earnings to average equity (ytd only) | -22.1303% | 4,915 |
| Net charge-offs to loans | 3.0690% | 16 |
| Credit loss provision to net charge-offs | 166.8727% | 1,121 |
| Earnings coverage of net charge-offs (x) | 0.2495% | 2,197 |
| Efficiency ratio | 85.7636% | 484 |
| Assets per employee ($millions) | 7.4496% | 1,507 |
| Cash dividends to net income (ytd only)* | -6.0447% | 4,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0463% | 146 |
| Loan loss allowance to noncurrent loans | 42.7276% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 4.0725% | 52 |
| Noncurrent loans to loans | 7.1296% | 39 |
| Net loans and leases to total assets | 53.9666% | 3,134 |
| Net loans and leases to deposits | 58.8087% | 3,474 |
| Net loans and leases to core deposits | 66.4261% | 3,080 |
| Total domestic deposits to total assets | 91.7664% | 176 |
| Equity capital to assets | 7.7436% | 4,657 |
| Core capital (leverage) ratio | 6.4242% | 4,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.5855% | 3,100 |
| Memoranda: | ||
| Average total assets | $563,009,667 | 1,543 |
| Average earning assets | $500,790,000 | 1,603 |
| Average equity | $47,563,667 | 1,847 |
| Average total loans | $316,321,000 | 1,673 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 1,668 |
| Cost of funding earning assets | 0.6010% | 871 |
| Net interest margin | 3.3627% | 2,212 |
| Noninterest income to average assets | 0.3072% | 3,571 |
| Noninterest expense to average assets | 2.7660% | 1,450 |
| Loan and lease loss provision to assets | 0.2123% | 558 |
| Net operating income to assets | 0.3305% | 4,480 |
| Return on assets (ROA) | 0.4777% | 4,254 |
| Pretax return on assets | 0.4777% | 4,383 |
| Return on Equity (ROE) | 5.4312% | 4,001 |
| Retained earnings to average equity (ytd only) | 3.0173% | 3,778 |
| Net charge-offs to loans | 0.2107% | 390 |
| Credit loss provision to net charge-offs | 178.5714% | 927 |
| Earnings coverage of net charge-offs (x) | 4.5655% | 1,725 |
| Efficiency ratio | 82.4385% | 679 |
| Assets per employee ($millions) | 7.7841% | 1,295 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9987% | 599 |
| Loan loss allowance to noncurrent loans | 28.0127% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 4.0424% | 56 |
| Noncurrent loans to loans | 7.1349% | 44 |
| Net loans and leases to total assets | 54.1386% | 3,226 |
| Net loans and leases to deposits | 59.5521% | 3,516 |
| Net loans and leases to core deposits | 68.2810% | 3,037 |
| Total domestic deposits to total assets | 90.9097% | 435 |
| Equity capital to assets | 8.6365% | 4,011 |
| Core capital (leverage) ratio | 7.5015% | 4,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6630% | 3,067 |
| Memoranda: | ||
| Average total assets | $565,153,000 | 1,526 |
| Average earning assets | $504,470,000 | 1,580 |
| Average equity | $49,713,000 | 1,774 |
| Average total loans | $318,982,500 | 1,672 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 1,974 |
| Cost of funding earning assets | 0.9872% | 620 |
| Net interest margin | 3.2762% | 3,139 |
| Noninterest income to average assets | 0.3657% | 3,282 |
| Noninterest expense to average assets | 2.9594% | 1,528 |
| Loan and lease loss provision to assets | 0.7503% | 185 |
| Net operating income to assets | -0.4235% | 4,864 |
| Return on assets (ROA) | 0.5701% | 3,948 |
| Pretax return on assets | 0.5792% | 4,124 |
| Return on Equity (ROE) | 5.8006% | 3,637 |
| Retained earnings to average equity (ytd only) | -3.3323% | 4,785 |
| Net charge-offs to loans | 0.8539% | 163 |
| Credit loss provision to net charge-offs | 157.2452% | 2,383 |
| Earnings coverage of net charge-offs (x) | 0.6616% | 3,311 |
| Efficiency ratio | 89.0958% | 407 |
| Assets per employee ($millions) | 7.4903% | 1,289 |
| Cash dividends to net income (ytd only)* | 157.4475% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9477% | 650 |
| Loan loss allowance to noncurrent loans | 17.9378% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 6.3208% | 25 |
| Noncurrent loans to loans | 10.8583% | 21 |
| Net loans and leases to total assets | 56.5642% | 3,243 |
| Net loans and leases to deposits | 62.3878% | 3,579 |
| Net loans and leases to core deposits | 72.9342% | 3,004 |
| Total domestic deposits to total assets | 90.6656% | 314 |
| Equity capital to assets | 8.9626% | 4,087 |
| Core capital (leverage) ratio | 8.0698% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5376% | 3,092 |
| Memoranda: | ||
| Average total assets | $526,431,800 | 1,478 |
| Average earning assets | $467,493,000 | 1,545 |
| Average equity | $51,735,600 | 1,641 |
| Average total loans | $294,168,400 | 1,705 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 1,894 |
| Cost of funding earning assets | 1.0856% | 562 |
| Net interest margin | 3.2981% | 3,203 |
| Noninterest income to average assets | 0.3606% | 3,308 |
| Noninterest expense to average assets | 2.9886% | 1,466 |
| Loan and lease loss provision to assets | 0.3721% | 994 |
| Net operating income to assets | -0.0743% | 4,800 |
| Return on assets (ROA) | 1.0349% | 2,335 |
| Pretax return on assets | 1.0451% | 2,917 |
| Return on Equity (ROE) | 10.2887% | 1,912 |
| Retained earnings to average equity (ytd only) | -0.9391% | 4,611 |
| Net charge-offs to loans | 0.1941% | 783 |
| Credit loss provision to net charge-offs | 346.0621% | 1,622 |
| Earnings coverage of net charge-offs (x) | 2.7613% | 2,961 |
| Efficiency ratio | 89.6805% | 372 |
| Assets per employee ($millions) | 7.2548% | 1,349 |
| Cash dividends to net income (ytd only)* | 109.1270% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 569 |
| Loan loss allowance to noncurrent loans | 26.6468% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 4.3585% | 71 |
| Noncurrent loans to loans | 7.1849% | 55 |
| Net loans and leases to total assets | 58.7236% | 3,349 |
| Net loans and leases to deposits | 65.6937% | 3,643 |
| Net loans and leases to core deposits | 76.0781% | 3,160 |
| Total domestic deposits to total assets | 89.3901% | 619 |
| Equity capital to assets | 10.1083% | 3,139 |
| Core capital (leverage) ratio | 8.4048% | 4,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5262% | 3,022 |
| Memoranda: | ||
| Average total assets | $519,469,000 | 1,474 |
| Average earning assets | $460,700,250 | 1,541 |
| Average equity | $52,250,000 | 1,612 |
| Average total loans | $287,772,000 | 1,732 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 2,078 |
| Cost of funding earning assets | 1.1624% | 586 |
| Net interest margin | 3.2872% | 3,417 |
| Noninterest income to average assets | 0.3630% | 3,310 |
| Noninterest expense to average assets | 2.8509% | 1,972 |
| Loan and lease loss provision to assets | 0.1146% | 2,872 |
| Net operating income to assets | 0.3121% | 4,399 |
| Return on assets (ROA) | 1.0555% | 2,257 |
| Pretax return on assets | 1.0632% | 2,826 |
| Return on Equity (ROE) | 10.5108% | 1,804 |
| Retained earnings to average equity (ytd only) | 9.1789% | 962 |
| Net charge-offs to loans | 0.0531% | 1,731 |
| Credit loss provision to net charge-offs | 400.0000% | 1,403 |
| Earnings coverage of net charge-offs (x) | 14.8933% | 1,929 |
| Efficiency ratio | 85.7060% | 554 |
| Assets per employee ($millions) | 7.7760% | 1,047 |
| Cash dividends to net income (ytd only)* | 12.6720% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 719 |
| Loan loss allowance to noncurrent loans | 73.0943% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 790 |
| Noncurrent loans to loans | 2.4038% | 502 |
| Net loans and leases to total assets | 51.5159% | 4,058 |
| Net loans and leases to deposits | 57.7138% | 4,236 |
| Net loans and leases to core deposits | 70.5238% | 3,662 |
| Total domestic deposits to total assets | 89.2611% | 658 |
| Equity capital to assets | 10.2708% | 2,949 |
| Core capital (leverage) ratio | 8.7385% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5249% | 2,805 |
| Memoranda: | ||
| Average total assets | $523,346,000 | 1,454 |
| Average earning assets | $464,044,000 | 1,500 |
| Average equity | $52,555,333 | 1,592 |
| Average total loans | $282,348,667 | 1,738 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 1,584 |
| Cost of funding earning assets | 1.2768% | 603 |
| Net interest margin | 3.4639% | 3,100 |
| Noninterest income to average assets | 0.3603% | 3,362 |
| Noninterest expense to average assets | 2.8959% | 2,136 |
| Loan and lease loss provision to assets | 0.1170% | 2,227 |
| Net operating income to assets | 0.4134% | 4,102 |
| Return on assets (ROA) | 0.7893% | 3,030 |
| Pretax return on assets | 0.7893% | 3,438 |
| Return on Equity (ROE) | 7.9560% | 2,537 |
| Retained earnings to average equity (ytd only) | 5.2044% | 2,192 |
| Net charge-offs to loans | 0.0470% | 1,548 |
| Credit loss provision to net charge-offs | 454.5455% | 930 |
| Earnings coverage of net charge-offs (x) | 20.6061% | 1,407 |
| Efficiency ratio | 83.2688% | 882 |
| Assets per employee ($millions) | 7.2307% | 987 |
| Cash dividends to net income (ytd only)* | 34.5850% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 729 |
| Loan loss allowance to noncurrent loans | 73.5462% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 804 |
| Noncurrent loans to loans | 2.4272% | 504 |
| Net loans and leases to total assets | 54.1135% | 3,981 |
| Net loans and leases to deposits | 60.1918% | 4,190 |
| Net loans and leases to core deposits | 74.4892% | 3,606 |
| Total domestic deposits to total assets | 89.9018% | 353 |
| Equity capital to assets | 9.7288% | 4,015 |
| Core capital (leverage) ratio | 8.6159% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3439% | 2,993 |
| Memoranda: | ||
| Average total assets | $512,859,500 | 1,439 |
| Average earning assets | $453,939,000 | 1,486 |
| Average equity | $50,880,000 | 1,637 |
| Average total loans | $280,810,000 | 1,712 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 2,776 |
| Cost of funding earning assets | 1.3448% | 668 |
| Net interest margin | 3.2069% | 4,169 |
| Noninterest income to average assets | 0.4203% | 3,174 |
| Noninterest expense to average assets | 2.7846% | 2,654 |
| Loan and lease loss provision to assets | 0.1565% | 1,348 |
| Net operating income to assets | 0.3333% | 4,706 |
| Return on assets (ROA) | 0.5122% | 4,435 |
| Pretax return on assets | 0.5166% | 4,542 |
| Return on Equity (ROE) | 5.6643% | 4,015 |
| Retained earnings to average equity (ytd only) | 3.1183% | 3,463 |
| Net charge-offs to loans | 0.1284% | 1,484 |
| Credit loss provision to net charge-offs | 234.1598% | 1,147 |
| Earnings coverage of net charge-offs (x) | 7.3664% | 2,885 |
| Efficiency ratio | 83.7473% | 671 |
| Assets per employee ($millions) | 7.6348% | 818 |
| Cash dividends to net income (ytd only)* | 44.9479% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 847 |
| Loan loss allowance to noncurrent loans | 100.3772% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9607% | 1,314 |
| Noncurrent loans to loans | 1.6643% | 830 |
| Net loans and leases to total assets | 53.5195% | 4,109 |
| Net loans and leases to deposits | 59.8304% | 4,299 |
| Net loans and leases to core deposits | 74.0472% | 3,715 |
| Total domestic deposits to total assets | 89.4520% | 510 |
| Equity capital to assets | 10.1027% | 3,829 |
| Core capital (leverage) ratio | 8.3564% | 4,924 |
| Tier 1 risk-based capital ratio | 10.6173% | 4,982 |
| Total risk-based capital ratio | 11.7991% | 4,925 |
| Memoranda: | ||
| Average total assets | $542,977,600 | 1,320 |
| Average earning assets | $483,705,000 | 1,373 |
| Average equity | $49,096,800 | 1,629 |
| Average total loans | $282,676,600 | 1,679 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 3,160 |
| Cost of funding earning assets | 1.3504% | 676 |
| Net interest margin | 3.1168% | 4,451 |
| Noninterest income to average assets | 0.4324% | 3,126 |
| Noninterest expense to average assets | 2.6582% | 2,987 |
| Loan and lease loss provision to assets | 0.1097% | 1,772 |
| Net operating income to assets | 0.4395% | 4,640 |
| Return on assets (ROA) | 0.5613% | 4,438 |
| Pretax return on assets | 0.5655% | 4,600 |
| Return on Equity (ROE) | 6.3883% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.3079% | 3,242 |
| Net charge-offs to loans | 0.0388% | 2,309 |
| Credit loss provision to net charge-offs | 548.7805% | 587 |
| Earnings coverage of net charge-offs (x) | 27.6221% | 1,710 |
| Efficiency ratio | 81.5580% | 790 |
| Assets per employee ($millions) | 7.7179% | 765 |
| Cash dividends to net income (ytd only)* | 32.5664% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 854 |
| Loan loss allowance to noncurrent loans | 103.7539% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.9129% | 1,489 |
| Noncurrent loans to loans | 1.6184% | 912 |
| Net loans and leases to total assets | 52.1129% | 4,312 |
| Net loans and leases to deposits | 58.1865% | 4,468 |
| Net loans and leases to core deposits | 74.7445% | 3,783 |
| Total domestic deposits to total assets | 89.5619% | 428 |
| Equity capital to assets | 10.0187% | 4,000 |
| Core capital (leverage) ratio | 7.8679% | 5,140 |
| Tier 1 risk-based capital ratio | 10.3670% | 5,116 |
| Total risk-based capital ratio | 11.5199% | 5,059 |
| Memoranda: | ||
| Average total assets | $547,022,250 | 1,316 |
| Average earning assets | $487,546,500 | 1,367 |
| Average equity | $48,065,750 | 1,655 |
| Average total loans | $281,663,250 | 1,696 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3731% | 3,411 |
| Cost of funding earning assets | 1.3139% | 712 |
| Net interest margin | 3.0592% | 4,600 |
| Noninterest income to average assets | 0.4545% | 2,935 |
| Noninterest expense to average assets | 2.6539% | 3,047 |
| Loan and lease loss provision to assets | 0.1082% | 1,732 |
| Net operating income to assets | 0.4189% | 4,702 |
| Return on assets (ROA) | 0.4646% | 4,640 |
| Pretax return on assets | 0.4708% | 4,736 |
| Return on Equity (ROE) | 5.5325% | 4,195 |
| Retained earnings to average equity (ytd only) | 3.8144% | 3,342 |
| Net charge-offs to loans | 0.0346% | 2,171 |
| Credit loss provision to net charge-offs | 612.2449% | 516 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 1,454 |
| Efficiency ratio | 82.0466% | 796 |
| Assets per employee ($millions) | 7.5667% | 784 |
| Cash dividends to net income (ytd only)* | 31.0559% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6202% | 988 |
| Loan loss allowance to noncurrent loans | 67.3669% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.2709% | 1,018 |
| Noncurrent loans to loans | 2.4050% | 509 |
| Net loans and leases to total assets | 50.0611% | 4,464 |
| Net loans and leases to deposits | 55.3503% | 4,622 |
| Net loans and leases to core deposits | 72.1463% | 3,996 |
| Total domestic deposits to total assets | 90.4441% | 202 |
| Equity capital to assets | 9.1938% | 4,660 |
| Core capital (leverage) ratio | 7.4271% | 5,237 |
| Tier 1 risk-based capital ratio | 10.0755% | 5,215 |
| Total risk-based capital ratio | 11.1869% | 5,182 |
| Memoranda: | ||
| Average total assets | $554,424,330 | 1,304 |
| Average earning assets | $495,169,000 | 1,350 |
| Average equity | $46,561,000 | 1,694 |
| Average total loans | $282,828,330 | 1,701 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 3,602 |
| Cost of funding earning assets | 1.2687% | 732 |
| Net interest margin | 3.0166% | 4,724 |
| Noninterest income to average assets | 0.3428% | 3,574 |
| Noninterest expense to average assets | 2.5651% | 3,316 |
| Loan and lease loss provision to assets | 0.1080% | 1,644 |
| Net operating income to assets | 0.3579% | 4,815 |
| Return on assets (ROA) | 0.4494% | 4,658 |
| Pretax return on assets | 0.4494% | 4,774 |
| Return on Equity (ROE) | 5.6154% | 4,146 |
| Retained earnings to average equity (ytd only) | 3.8156% | 3,395 |
| Net charge-offs to loans | 0.0649% | 1,396 |
| Credit loss provision to net charge-offs | 326.0870% | 781 |
| Earnings coverage of net charge-offs (x) | 14.0652% | 1,814 |
| Efficiency ratio | 83.3215% | 762 |
| Assets per employee ($millions) | 7.6662% | 757 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 1,180 |
| Loan loss allowance to noncurrent loans | 70.3320% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 1,140 |
| Noncurrent loans to loans | 2.2056% | 641 |
| Net loans and leases to total assets | 49.9778% | 4,473 |
| Net loans and leases to deposits | 54.6767% | 4,656 |
| Net loans and leases to core deposits | 70.5962% | 4,046 |
| Total domestic deposits to total assets | 91.4059% | 106 |
| Equity capital to assets | 8.2535% | 5,104 |
| Core capital (leverage) ratio | 7.3871% | 5,297 |
| Tier 1 risk-based capital ratio | 10.1327% | 5,259 |
| Total risk-based capital ratio | 11.2281% | 5,242 |
| Memoranda: | ||
| Average total assets | $555,451,000 | 1,308 |
| Average earning assets | $494,991,500 | 1,354 |
| Average equity | $44,449,500 | 1,763 |
| Average total loans | $283,704,000 | 1,703 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 3,581 |
| Cost of funding earning assets | 0.8764% | 1,187 |
| Net interest margin | 3.2749% | 4,324 |
| Noninterest income to average assets | 0.4313% | 3,231 |
| Noninterest expense to average assets | 2.7449% | 2,875 |
| Loan and lease loss provision to assets | 0.1175% | 1,872 |
| Net operating income to assets | 0.4752% | 4,717 |
| Return on assets (ROA) | 0.4756% | 4,719 |
| Pretax return on assets | 0.4767% | 4,835 |
| Return on Equity (ROE) | 5.7272% | 4,258 |
| Retained earnings to average equity (ytd only) | 1.0115% | 4,703 |
| Net charge-offs to loans | 0.1001% | 1,761 |
| Credit loss provision to net charge-offs | 238.0952% | 1,241 |
| Earnings coverage of net charge-offs (x) | 12.0357% | 2,575 |
| Efficiency ratio | 80.9359% | 877 |
| Assets per employee ($millions) | 7.6565% | 752 |
| Cash dividends to net income (ytd only)* | 82.3384% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,232 |
| Loan loss allowance to noncurrent loans | 55.8179% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 1.4592% | 810 |
| Noncurrent loans to loans | 2.7210% | 409 |
| Net loans and leases to total assets | 50.6116% | 4,483 |
| Net loans and leases to deposits | 55.0657% | 4,704 |
| Net loans and leases to core deposits | 69.0206% | 4,173 |
| Total domestic deposits to total assets | 91.9112% | 76 |
| Equity capital to assets | 7.7476% | 5,234 |
| Core capital (leverage) ratio | 7.7120% | 5,293 |
| Tier 1 risk-based capital ratio | 10.0864% | 5,285 |
| Total risk-based capital ratio | 11.1637% | 5,281 |
| Memoranda: | ||
| Average total assets | $510,757,200 | 1,380 |
| Average earning assets | $453,447,600 | 1,440 |
| Average equity | $42,411,800 | 1,766 |
| Average total loans | $251,776,800 | 1,814 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 3,695 |
| Cost of funding earning assets | 0.7965% | 1,359 |
| Net interest margin | 3.2848% | 4,324 |
| Noninterest income to average assets | 0.4533% | 3,144 |
| Noninterest expense to average assets | 2.7796% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5931% | 4,521 |
| Return on assets (ROA) | 0.5934% | 4,527 |
| Pretax return on assets | 0.5934% | 4,745 |
| Return on Equity (ROE) | 7.0165% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.0800% | 4,205 |
| Net charge-offs to loans | 0.0536% | 2,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 22.7251% | 1,862 |
| Efficiency ratio | 81.1197% | 850 |
| Assets per employee ($millions) | 6.9953% | 937 |
| Cash dividends to net income (ytd only)* | 56.1043% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 1,428 |
| Loan loss allowance to noncurrent loans | 86.0361% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 1,552 |
| Noncurrent loans to loans | 1.7172% | 907 |
| Net loans and leases to total assets | 50.3664% | 4,569 |
| Net loans and leases to deposits | 56.1125% | 4,748 |
| Net loans and leases to core deposits | 71.3667% | 4,116 |
| Total domestic deposits to total assets | 89.7597% | 580 |
| Equity capital to assets | 8.1088% | 5,132 |
| Core capital (leverage) ratio | 8.1248% | 5,286 |
| Tier 1 risk-based capital ratio | 10.8537% | 5,098 |
| Total risk-based capital ratio | 11.8802% | 5,110 |
| Memoranda: | ||
| Average total assets | $500,628,750 | 1,411 |
| Average earning assets | $444,944,250 | 1,468 |
| Average equity | $42,337,250 | 1,769 |
| Average total loans | $243,893,500 | 1,865 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 3,915 |
| Cost of funding earning assets | 0.7272% | 1,487 |
| Net interest margin | 3.2267% | 4,446 |
| Noninterest income to average assets | 0.4814% | 2,968 |
| Noninterest expense to average assets | 2.8261% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5212% | 4,698 |
| Return on assets (ROA) | 0.5216% | 4,702 |
| Pretax return on assets | 0.5216% | 4,865 |
| Return on Equity (ROE) | 6.0825% | 4,199 |
| Retained earnings to average equity (ytd only) | 2.5652% | 4,234 |
| Net charge-offs to loans | 0.2192% | 725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.9655% | 2,752 |
| Efficiency ratio | 83.1191% | 751 |
| Assets per employee ($millions) | 6.7526% | 1,037 |
| Cash dividends to net income (ytd only)* | 57.8258% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,362 |
| Loan loss allowance to noncurrent loans | 108.1065% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 1,986 |
| Noncurrent loans to loans | 1.3984% | 1,210 |
| Net loans and leases to total assets | 48.1615% | 4,712 |
| Net loans and leases to deposits | 52.7863% | 4,885 |
| Net loans and leases to core deposits | 66.9798% | 4,315 |
| Total domestic deposits to total assets | 91.2386% | 195 |
| Equity capital to assets | 8.4062% | 5,009 |
| Core capital (leverage) ratio | 8.1557% | 5,288 |
| Tier 1 risk-based capital ratio | 11.1776% | 4,955 |
| Total risk-based capital ratio | 12.2023% | 4,965 |
| Memoranda: | ||
| Average total assets | $497,285,670 | 1,422 |
| Average earning assets | $441,690,330 | 1,487 |
| Average equity | $42,647,000 | 1,757 |
| Average total loans | $238,172,330 | 1,904 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 3,984 |
| Cost of funding earning assets | 0.6994% | 1,449 |
| Net interest margin | 3.1800% | 4,530 |
| Noninterest income to average assets | 0.4056% | 3,420 |
| Noninterest expense to average assets | 2.7326% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4959% | 4,705 |
| Return on assets (ROA) | 0.4959% | 4,715 |
| Pretax return on assets | 0.4959% | 4,877 |
| Return on Equity (ROE) | 5.7252% | 4,246 |
| Retained earnings to average equity (ytd only) | 2.9324% | 4,028 |
| Net charge-offs to loans | 0.4356% | 354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.4023% | 2,464 |
| Efficiency ratio | 83.2667% | 846 |
| Assets per employee ($millions) | 6.6826% | 1,100 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 1,239 |
| Loan loss allowance to noncurrent loans | 162.9515% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 2,747 |
| Noncurrent loans to loans | 0.9603% | 1,900 |
| Net loans and leases to total assets | 46.4277% | 4,775 |
| Net loans and leases to deposits | 50.8031% | 4,930 |
| Net loans and leases to core deposits | 63.1197% | 4,480 |
| Total domestic deposits to total assets | 91.3875% | 210 |
| Equity capital to assets | 8.3343% | 5,086 |
| Core capital (leverage) ratio | 8.2213% | 5,301 |
| Tier 1 risk-based capital ratio | 11.4190% | 4,902 |
| Total risk-based capital ratio | 12.4748% | 4,917 |
| Memoranda: | ||
| Average total assets | $496,082,500 | 1,435 |
| Average earning assets | $440,381,000 | 1,492 |
| Average equity | $42,968,000 | 1,754 |
| Average total loans | $235,082,000 | 1,930 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8303% | 3,947 |
| Cost of funding earning assets | 0.5825% | 1,724 |
| Net interest margin | 3.2479% | 4,313 |
| Noninterest income to average assets | 0.4325% | 3,417 |
| Noninterest expense to average assets | 2.8246% | 2,693 |
| Loan and lease loss provision to assets | 0.0243% | 3,811 |
| Net operating income to assets | 0.4690% | 4,463 |
| Return on assets (ROA) | 0.7438% | 3,453 |
| Pretax return on assets | 0.7501% | 4,388 |
| Return on Equity (ROE) | 8.5951% | 2,493 |
| Retained earnings to average equity (ytd only) | 3.2056% | 3,386 |
| Net charge-offs to loans | -0.0085% | 4,746 |
| Credit loss provision to net charge-offs | -600.0000% | 4,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7118% | 794 |
| Assets per employee ($millions) | 6.2945% | 1,323 |
| Cash dividends to net income (ytd only)* | 62.7045% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 960 |
| Loan loss allowance to noncurrent loans | 73.9529% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1699% | 1,268 |
| Noncurrent loans to loans | 2.2877% | 621 |
| Net loans and leases to total assets | 46.8087% | 4,844 |
| Net loans and leases to deposits | 51.6000% | 5,005 |
| Net loans and leases to core deposits | 64.1146% | 4,524 |
| Total domestic deposits to total assets | 90.7146% | 332 |
| Equity capital to assets | 8.9954% | 4,728 |
| Core capital (leverage) ratio | 8.3930% | 5,226 |
| Tier 1 risk-based capital ratio | 11.4581% | 4,878 |
| Total risk-based capital ratio | 12.5946% | 4,831 |
| Memoranda: | ||
| Average total assets | $493,161,400 | 1,419 |
| Average earning assets | $438,657,400 | 1,480 |
| Average equity | $42,675,600 | 1,745 |
| Average total loans | $235,610,800 | 1,904 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8290% | 3,904 |
| Cost of funding earning assets | 0.5658% | 1,770 |
| Net interest margin | 3.2632% | 4,283 |
| Noninterest income to average assets | 0.4318% | 3,462 |
| Noninterest expense to average assets | 2.7557% | 2,875 |
| Loan and lease loss provision to assets | 0.0324% | 3,473 |
| Net operating income to assets | 0.5471% | 4,585 |
| Return on assets (ROA) | 0.8615% | 3,272 |
| Pretax return on assets | 0.8677% | 4,146 |
| Return on Equity (ROE) | 10.0541% | 2,109 |
| Retained earnings to average equity (ytd only) | 4.3810% | 3,290 |
| Net charge-offs to loans | -0.0762% | 5,302 |
| Credit loss provision to net charge-offs | -88.8889% | 4,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2232% | 977 |
| Assets per employee ($millions) | 6.2865% | 1,313 |
| Cash dividends to net income (ytd only)* | 56.4263% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 857 |
| Loan loss allowance to noncurrent loans | 58.9172% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.5151% | 1,000 |
| Noncurrent loans to loans | 3.0474% | 410 |
| Net loans and leases to total assets | 45.9892% | 4,940 |
| Net loans and leases to deposits | 50.8866% | 5,095 |
| Net loans and leases to core deposits | 62.8683% | 4,659 |
| Total domestic deposits to total assets | 90.3760% | 356 |
| Equity capital to assets | 9.3478% | 4,593 |
| Core capital (leverage) ratio | 8.1278% | 5,462 |
| Tier 1 risk-based capital ratio | 11.6975% | 4,829 |
| Total risk-based capital ratio | 12.8922% | 4,746 |
| Memoranda: | ||
| Average total assets | $493,708,500 | 1,429 |
| Average earning assets | $439,719,750 | 1,479 |
| Average equity | $42,303,250 | 1,770 |
| Average total loans | $236,070,250 | 1,909 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 3,949 |
| Cost of funding earning assets | 0.5346% | 1,879 |
| Net interest margin | 3.2484% | 4,272 |
| Noninterest income to average assets | 0.4427% | 3,400 |
| Noninterest expense to average assets | 2.7533% | 2,914 |
| Loan and lease loss provision to assets | 0.0483% | 3,026 |
| Net operating income to assets | 0.5324% | 4,601 |
| Return on assets (ROA) | 0.6448% | 4,157 |
| Pretax return on assets | 0.6500% | 4,685 |
| Return on Equity (ROE) | 7.7539% | 3,166 |
| Retained earnings to average equity (ytd only) | 3.3978% | 3,688 |
| Net charge-offs to loans | -0.1564% | 5,535 |
| Credit loss provision to net charge-offs | -64.1711% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1671% | 1,090 |
| Assets per employee ($millions) | 6.4454% | 1,188 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7108% | 1,036 |
| Loan loss allowance to noncurrent loans | 99.4211% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.8983% | 1,974 |
| Noncurrent loans to loans | 1.7208% | 1,055 |
| Net loans and leases to total assets | 46.5080% | 4,920 |
| Net loans and leases to deposits | 51.1547% | 5,094 |
| Net loans and leases to core deposits | 63.2454% | 4,655 |
| Total domestic deposits to total assets | 90.9164% | 241 |
| Equity capital to assets | 8.8226% | 5,050 |
| Core capital (leverage) ratio | 7.9075% | 5,566 |
| Tier 1 risk-based capital ratio | 10.8952% | 5,310 |
| Total risk-based capital ratio | 12.0432% | 5,271 |
| Memoranda: | ||
| Average total assets | $496,924,330 | 1,424 |
| Average earning assets | $442,925,670 | 1,473 |
| Average equity | $41,321,330 | 1,817 |
| Average total loans | $239,198,330 | 1,895 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 3,815 |
| Cost of funding earning assets | 0.5238% | 1,909 |
| Net interest margin | 3.2608% | 4,131 |
| Noninterest income to average assets | 0.3537% | 4,009 |
| Noninterest expense to average assets | 2.8664% | 2,557 |
| Loan and lease loss provision to assets | 0.0978% | 1,931 |
| Net operating income to assets | 0.2967% | 5,203 |
| Return on assets (ROA) | 0.3358% | 5,136 |
| Pretax return on assets | 0.3358% | 5,260 |
| Return on Equity (ROE) | 4.1700% | 4,718 |
| Retained earnings to average equity (ytd only) | 1.1336% | 4,608 |
| Net charge-offs to loans | -0.4448% | 5,732 |
| Credit loss provision to net charge-offs | -45.2830% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5534% | 757 |
| Assets per employee ($millions) | 6.1269% | 1,409 |
| Cash dividends to net income (ytd only)* | 72.8155% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 1,063 |
| Loan loss allowance to noncurrent loans | 124.9628% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 2,030 |
| Noncurrent loans to loans | 1.3976% | 1,446 |
| Net loans and leases to total assets | 48.2056% | 4,805 |
| Net loans and leases to deposits | 52.6630% | 5,002 |
| Net loans and leases to core deposits | 65.8685% | 4,434 |
| Total domestic deposits to total assets | 91.5359% | 172 |
| Equity capital to assets | 8.2068% | 5,412 |
| Core capital (leverage) ratio | 7.9032% | 5,595 |
| Tier 1 risk-based capital ratio | 11.0236% | 5,296 |
| Total risk-based capital ratio | 12.2266% | 5,239 |
| Memoranda: | ||
| Average total assets | $490,791,500 | 1,445 |
| Average earning assets | $437,567,500 | 1,498 |
| Average equity | $39,520,000 | 1,890 |
| Average total loans | $238,329,500 | 1,899 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,700 |
| Cost of funding earning assets | 0.3264% | 3,783 |
| Net interest margin | 3.2039% | 4,446 |
| Noninterest income to average assets | 0.3848% | 4,000 |
| Noninterest expense to average assets | 2.9638% | 2,451 |
| Loan and lease loss provision to assets | 0.2876% | 670 |
| Net operating income to assets | 0.0133% | 5,632 |
| Return on assets (ROA) | 0.6513% | 4,107 |
| Pretax return on assets | 0.6602% | 4,622 |
| Return on Equity (ROE) | 6.7252% | 3,630 |
| Retained earnings to average equity (ytd only) | 1.1635% | 4,827 |
| Net charge-offs to loans | 0.2795% | 984 |
| Credit loss provision to net charge-offs | 214.6302% | 1,322 |
| Earnings coverage of net charge-offs (x) | 2.2637% | 3,857 |
| Efficiency ratio | 89.5608% | 585 |
| Assets per employee ($millions) | 6.0670% | 1,429 |
| Cash dividends to net income (ytd only)* | 82.6993% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6153% | 1,334 |
| Loan loss allowance to noncurrent loans | 99.7386% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 2,199 |
| Noncurrent loans to loans | 1.6195% | 1,208 |
| Net loans and leases to total assets | 47.2830% | 4,938 |
| Net loans and leases to deposits | 51.4898% | 5,145 |
| Net loans and leases to core deposits | 63.2127% | 4,677 |
| Total domestic deposits to total assets | 91.8300% | 125 |
| Equity capital to assets | 7.8982% | 5,605 |
| Core capital (leverage) ratio | 8.4557% | 5,305 |
| Tier 1 risk-based capital ratio | 11.3867% | 5,123 |
| Total risk-based capital ratio | 12.5119% | 5,089 |
| Memoranda: | ||
| Average total assets | $464,131,000 | 1,467 |
| Average earning assets | $417,554,600 | 1,507 |
| Average equity | $44,950,600 | 1,665 |
| Average total loans | $222,579,000 | 1,960 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5321% | 4,729 |
| Cost of funding earning assets | 0.3117% | 3,957 |
| Net interest margin | 3.2204% | 4,426 |
| Noninterest income to average assets | 0.3828% | 4,044 |
| Noninterest expense to average assets | 2.8806% | 2,702 |
| Loan and lease loss provision to assets | 0.2930% | 584 |
| Net operating income to assets | 0.1114% | 5,612 |
| Return on assets (ROA) | 0.9499% | 2,795 |
| Pretax return on assets | 0.9598% | 3,776 |
| Return on Equity (ROE) | 9.3448% | 2,338 |
| Retained earnings to average equity (ytd only) | 3.3214% | 3,909 |
| Net charge-offs to loans | 0.0669% | 2,372 |
| Credit loss provision to net charge-offs | 913.6364% | 443 |
| Earnings coverage of net charge-offs (x) | 12.6548% | 2,373 |
| Efficiency ratio | 86.5862% | 777 |
| Assets per employee ($millions) | 5.5477% | 1,806 |
| Cash dividends to net income (ytd only)* | 64.4567% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 1,065 |
| Loan loss allowance to noncurrent loans | 81.1080% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2654% | 1,535 |
| Noncurrent loans to loans | 2.1846% | 861 |
| Net loans and leases to total assets | 49.9277% | 4,825 |
| Net loans and leases to deposits | 56.0002% | 4,997 |
| Net loans and leases to core deposits | 65.0960% | 4,665 |
| Total domestic deposits to total assets | 89.1563% | 820 |
| Equity capital to assets | 10.5677% | 3,491 |
| Core capital (leverage) ratio | 9.0689% | 4,755 |
| Tier 1 risk-based capital ratio | 12.6082% | 4,403 |
| Total risk-based capital ratio | 13.8588% | 4,309 |
| Memoranda: | ||
| Average total assets | $457,306,250 | 1,492 |
| Average earning assets | $412,323,500 | 1,525 |
| Average equity | $46,484,750 | 1,630 |
| Average total loans | $219,179,250 | 1,987 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 4,878 |
| Cost of funding earning assets | 0.2988% | 4,146 |
| Net interest margin | 3.1964% | 4,552 |
| Noninterest income to average assets | 0.3768% | 4,050 |
| Noninterest expense to average assets | 2.8363% | 2,889 |
| Loan and lease loss provision to assets | 0.2707% | 689 |
| Net operating income to assets | 0.1568% | 5,601 |
| Return on assets (ROA) | 0.9411% | 2,812 |
| Pretax return on assets | 0.9454% | 3,791 |
| Return on Equity (ROE) | 9.3773% | 2,323 |
| Retained earnings to average equity (ytd only) | 3.9831% | 3,367 |
| Net charge-offs to loans | 0.0912% | 1,935 |
| Credit loss provision to net charge-offs | 631.3131% | 540 |
| Earnings coverage of net charge-offs (x) | 10.0707% | 2,360 |
| Efficiency ratio | 85.9131% | 893 |
| Assets per employee ($millions) | 5.4347% | 1,860 |
| Cash dividends to net income (ytd only)* | 57.5242% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 1,387 |
| Loan loss allowance to noncurrent loans | 107.5600% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 2,332 |
| Noncurrent loans to loans | 1.5387% | 1,401 |
| Net loans and leases to total assets | 48.3745% | 4,960 |
| Net loans and leases to deposits | 54.3701% | 5,113 |
| Net loans and leases to core deposits | 63.3735% | 4,791 |
| Total domestic deposits to total assets | 88.9727% | 931 |
| Equity capital to assets | 10.7648% | 3,327 |
| Core capital (leverage) ratio | 8.7042% | 5,168 |
| Tier 1 risk-based capital ratio | 12.6673% | 4,404 |
| Total risk-based capital ratio | 13.8474% | 4,362 |
| Memoranda: | ||
| Average total assets | $461,803,670 | 1,487 |
| Average earning assets | $417,715,330 | 1,510 |
| Average equity | $46,346,000 | 1,636 |
| Average total loans | $217,044,670 | 2,005 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4000% | 5,132 |
| Cost of funding earning assets | 0.2786% | 4,408 |
| Net interest margin | 3.1213% | 4,806 |
| Noninterest income to average assets | 0.3575% | 4,168 |
| Noninterest expense to average assets | 2.7513% | 3,232 |
| Loan and lease loss provision to assets | 0.1873% | 1,059 |
| Net operating income to assets | 0.2511% | 5,435 |
| Return on assets (ROA) | 0.7925% | 3,386 |
| Pretax return on assets | 0.7925% | 4,216 |
| Return on Equity (ROE) | 8.1788% | 2,813 |
| Retained earnings to average equity (ytd only) | 3.7863% | 3,602 |
| Net charge-offs to loans | 0.1797% | 1,076 |
| Credit loss provision to net charge-offs | 226.8041% | 1,002 |
| Earnings coverage of net charge-offs (x) | 5.3093% | 2,336 |
| Efficiency ratio | 85.9621% | 980 |
| Assets per employee ($millions) | 5.6924% | 1,672 |
| Cash dividends to net income (ytd only)* | 53.7057% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 2,066 |
| Loan loss allowance to noncurrent loans | 84.7124% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.9882% | 2,233 |
| Noncurrent loans to loans | 1.7479% | 1,273 |
| Net loans and leases to total assets | 47.1192% | 5,038 |
| Net loans and leases to deposits | 52.5575% | 5,192 |
| Net loans and leases to core deposits | 59.9418% | 4,945 |
| Total domestic deposits to total assets | 89.6526% | 759 |
| Equity capital to assets | 10.1092% | 3,936 |
| Core capital (leverage) ratio | 8.3937% | 5,485 |
| Tier 1 risk-based capital ratio | 12.4728% | 4,598 |
| Total risk-based capital ratio | 13.5199% | 4,643 |
| Memoranda: | ||
| Average total assets | $469,881,500 | 1,460 |
| Average earning assets | $426,355,500 | 1,490 |
| Average equity | $45,532,500 | 1,656 |
| Average total loans | $215,963,000 | 2,015 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3969% | 5,167 |
| Cost of funding earning assets | 0.2650% | 4,643 |
| Net interest margin | 3.1319% | 4,831 |
| Noninterest income to average assets | 0.2556% | 5,064 |
| Noninterest expense to average assets | 2.6459% | 3,770 |
| Loan and lease loss provision to assets | 0.0873% | 2,548 |
| Net operating income to assets | 0.3709% | 5,138 |
| Return on assets (ROA) | 0.9044% | 2,930 |
| Pretax return on assets | 0.9084% | 3,805 |
| Return on Equity (ROE) | 10.5065% | 1,801 |
| Retained earnings to average equity (ytd only) | 3.7416% | 3,385 |
| Net charge-offs to loans | 0.0410% | 3,397 |
| Credit loss provision to net charge-offs | 537.0370% | 610 |
| Earnings coverage of net charge-offs (x) | 28.4198% | 1,508 |
| Efficiency ratio | 82.6927% | 1,310 |
| Assets per employee ($millions) | 6.0547% | 1,345 |
| Cash dividends to net income (ytd only)* | 64.3872% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 2,212 |
| Loan loss allowance to noncurrent loans | 104.0590% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 2,802 |
| Noncurrent loans to loans | 1.3922% | 1,683 |
| Net loans and leases to total assets | 43.5662% | 5,304 |
| Net loans and leases to deposits | 48.1623% | 5,480 |
| Net loans and leases to core deposits | 54.3593% | 5,292 |
| Total domestic deposits to total assets | 90.4572% | 447 |
| Equity capital to assets | 9.2963% | 4,798 |
| Core capital (leverage) ratio | 8.1505% | 5,732 |
| Tier 1 risk-based capital ratio | 12.6217% | 4,560 |
| Total risk-based capital ratio | 13.6383% | 4,600 |
| Memoranda: | ||
| Average total assets | $498,020,200 | 1,352 |
| Average earning assets | $453,590,000 | 1,368 |
| Average equity | $42,868,800 | 1,707 |
| Average total loans | $197,798,600 | 2,093 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3992% | 5,208 |
| Cost of funding earning assets | 0.2660% | 4,706 |
| Net interest margin | 3.1331% | 4,871 |
| Noninterest income to average assets | 0.3850% | 4,186 |
| Noninterest expense to average assets | 2.5244% | 4,120 |
| Loan and lease loss provision to assets | 0.0838% | 2,498 |
| Net operating income to assets | 0.6254% | 4,262 |
| Return on assets (ROA) | 1.1431% | 1,920 |
| Pretax return on assets | 1.1474% | 3,028 |
| Return on Equity (ROE) | 13.5413% | 995 |
| Retained earnings to average equity (ytd only) | 5.3516% | 2,679 |
| Net charge-offs to loans | 0.0461% | 2,971 |
| Credit loss provision to net charge-offs | 470.1493% | 680 |
| Earnings coverage of net charge-offs (x) | 40.0452% | 1,246 |
| Efficiency ratio | 77.8353% | 1,966 |
| Assets per employee ($millions) | 5.9055% | 1,441 |
| Cash dividends to net income (ytd only)* | 60.4791% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 2,304 |
| Loan loss allowance to noncurrent loans | 969.5793% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 4,769 |
| Noncurrent loans to loans | 0.1512% | 5,033 |
| Net loans and leases to total assets | 42.6342% | 5,453 |
| Net loans and leases to deposits | 46.9782% | 5,616 |
| Net loans and leases to core deposits | 53.0547% | 5,459 |
| Total domestic deposits to total assets | 90.7531% | 323 |
| Equity capital to assets | 8.9865% | 5,318 |
| Core capital (leverage) ratio | 7.4009% | 6,074 |
| Tier 1 risk-based capital ratio | 11.7177% | 5,256 |
| Total risk-based capital ratio | 12.7112% | 5,317 |
| Memoranda: | ||
| Average total assets | $501,431,500 | 1,343 |
| Average earning assets | $456,572,500 | 1,361 |
| Average equity | $42,328,750 | 1,740 |
| Average total loans | $193,716,750 | 2,146 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3558% | 5,321 |
| Cost of funding earning assets | 0.2588% | 4,848 |
| Net interest margin | 3.0970% | 4,976 |
| Noninterest income to average assets | 0.3678% | 4,309 |
| Noninterest expense to average assets | 2.4371% | 4,443 |
| Loan and lease loss provision to assets | 0.0763% | 2,593 |
| Net operating income to assets | 0.6735% | 4,014 |
| Return on assets (ROA) | 1.1176% | 1,970 |
| Pretax return on assets | 1.1176% | 3,099 |
| Return on Equity (ROE) | 13.5079% | 1,011 |
| Retained earnings to average equity (ytd only) | 5.9405% | 2,277 |
| Net charge-offs to loans | 0.0652% | 2,447 |
| Credit loss provision to net charge-offs | 314.5161% | 904 |
| Earnings coverage of net charge-offs (x) | 30.9032% | 1,338 |
| Efficiency ratio | 76.3384% | 2,302 |
| Assets per employee ($millions) | 5.8023% | 1,496 |
| Cash dividends to net income (ytd only)* | 56.0224% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4650% | 2,431 |
| Loan loss allowance to noncurrent loans | 1,025.2669% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 4,922 |
| Noncurrent loans to loans | 0.1429% | 5,179 |
| Net loans and leases to total assets | 39.7574% | 5,645 |
| Net loans and leases to deposits | 43.5828% | 5,782 |
| Net loans and leases to core deposits | 48.8968% | 5,657 |
| Total domestic deposits to total assets | 91.2227% | 250 |
| Equity capital to assets | 8.5376% | 5,655 |
| Core capital (leverage) ratio | 7.0165% | 6,186 |
| Tier 1 risk-based capital ratio | 12.0342% | 5,123 |
| Total risk-based capital ratio | 13.0278% | 5,201 |
| Memoranda: | ||
| Average total assets | $511,095,330 | 1,332 |
| Average earning assets | $465,220,000 | 1,341 |
| Average equity | $42,286,330 | 1,749 |
| Average total loans | $190,150,000 | 2,181 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2453% | 5,565 |
| Cost of funding earning assets | 0.2513% | 5,007 |
| Net interest margin | 2.9940% | 5,232 |
| Noninterest income to average assets | 0.3564% | 4,347 |
| Noninterest expense to average assets | 2.3980% | 4,595 |
| Loan and lease loss provision to assets | 0.0574% | 2,785 |
| Net operating income to assets | 0.6265% | 4,162 |
| Return on assets (ROA) | 0.9531% | 2,626 |
| Pretax return on assets | 0.9531% | 3,678 |
| Return on Equity (ROE) | 11.6931% | 1,428 |
| Retained earnings to average equity (ytd only) | 6.0624% | 2,461 |
| Net charge-offs to loans | 0.1220% | 1,534 |
| Credit loss provision to net charge-offs | 131.5789% | 1,361 |
| Earnings coverage of net charge-offs (x) | 15.6842% | 1,612 |
| Efficiency ratio | 77.6620% | 2,236 |
| Assets per employee ($millions) | 6.4436% | 1,109 |
| Cash dividends to net income (ytd only)* | 48.1541% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 2,690 |
| Loan loss allowance to noncurrent loans | 365.3897% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 4,693 |
| Noncurrent loans to loans | 0.3962% | 4,401 |
| Net loans and leases to total assets | 36.5324% | 5,802 |
| Net loans and leases to deposits | 40.0061% | 5,912 |
| Net loans and leases to core deposits | 44.3847% | 5,829 |
| Total domestic deposits to total assets | 91.3172% | 274 |
| Equity capital to assets | 8.4880% | 5,749 |
| Core capital (leverage) ratio | 6.7560% | 6,260 |
| Tier 1 risk-based capital ratio | 12.0750% | 5,192 |
| Total risk-based capital ratio | 13.0493% | 5,269 |
| Memoranda: | ||
| Average total assets | $522,945,000 | 1,310 |
| Average earning assets | $476,016,000 | 1,321 |
| Average equity | $42,623,500 | 1,742 |
| Average total loans | $186,896,500 | 2,215 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 5,614 |
| Cost of funding earning assets | 0.2657% | 5,157 |
| Net interest margin | 3.0909% | 5,231 |
| Noninterest income to average assets | 0.3867% | 4,285 |
| Noninterest expense to average assets | 2.6599% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5096% | 4,775 |
| Return on assets (ROA) | 0.8073% | 3,429 |
| Pretax return on assets | 0.8073% | 4,229 |
| Return on Equity (ROE) | 9.5098% | 2,337 |
| Retained earnings to average equity (ytd only) | 5.5073% | 2,253 |
| Net charge-offs to loans | 0.0771% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 19.0678% | 1,803 |
| Efficiency ratio | 83.8348% | 1,430 |
| Assets per employee ($millions) | 6.4683% | 1,066 |
| Cash dividends to net income (ytd only)* | 42.0875% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 2,451 |
| Loan loss allowance to noncurrent loans | 525.4302% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 4,950 |
| Noncurrent loans to loans | 0.2863% | 4,824 |
| Net loans and leases to total assets | 33.9287% | 6,040 |
| Net loans and leases to deposits | 36.8890% | 6,140 |
| Net loans and leases to core deposits | 40.7079% | 6,080 |
| Total domestic deposits to total assets | 91.9751% | 149 |
| Equity capital to assets | 7.8228% | 6,134 |
| Core capital (leverage) ratio | 6.7107% | 6,346 |
| Tier 1 risk-based capital ratio | 12.1315% | 5,279 |
| Total risk-based capital ratio | 13.1291% | 5,352 |
| Memoranda: | ||
| Average total assets | $441,481,400 | 1,508 |
| Average earning assets | $397,487,600 | 1,536 |
| Average equity | $37,477,200 | 1,875 |
| Average total loans | $152,950,400 | 2,533 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3660% | 5,643 |
| Cost of funding earning assets | 0.2684% | 5,224 |
| Net interest margin | 3.0976% | 5,265 |
| Noninterest income to average assets | 0.4599% | 3,824 |
| Noninterest expense to average assets | 2.7407% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5009% | 4,870 |
| Return on assets (ROA) | 0.8885% | 3,068 |
| Pretax return on assets | 0.8885% | 4,039 |
| Return on Equity (ROE) | 10.2136% | 2,109 |
| Retained earnings to average equity (ytd only) | 6.1925% | 2,278 |
| Net charge-offs to loans | 0.0009% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,578.9098% | 34 |
| Efficiency ratio | 84.4894% | 1,330 |
| Assets per employee ($millions) | 6.3074% | 1,144 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 1,741 |
| Loan loss allowance to noncurrent loans | 310.4009% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 4,804 |
| Noncurrent loans to loans | 0.5729% | 4,199 |
| Net loans and leases to total assets | 32.1678% | 6,177 |
| Net loans and leases to deposits | 35.5780% | 6,256 |
| Net loans and leases to core deposits | 39.5928% | 6,189 |
| Total domestic deposits to total assets | 90.4149% | 562 |
| Equity capital to assets | 7.9863% | 6,140 |
| Core capital (leverage) ratio | 6.8899% | 6,393 |
| Tier 1 risk-based capital ratio | 12.9941% | 4,869 |
| Total risk-based capital ratio | 14.1208% | 4,855 |
| Memoranda: | ||
| Average total assets | $419,251,750 | 1,592 |
| Average earning assets | $376,497,250 | 1,620 |
| Average equity | $36,473,500 | 1,935 |
| Average total loans | $145,511,500 | 2,644 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3359% | 5,747 |
| Cost of funding earning assets | 0.2566% | 5,416 |
| Net interest margin | 3.0792% | 5,318 |
| Noninterest income to average assets | 0.4623% | 3,772 |
| Noninterest expense to average assets | 2.6496% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5585% | 4,553 |
| Return on assets (ROA) | 0.9559% | 2,616 |
| Pretax return on assets | 0.9559% | 3,656 |
| Return on Equity (ROE) | 10.6263% | 1,883 |
| Retained earnings to average equity (ytd only) | 6.6865% | 1,935 |
| Net charge-offs to loans | -0.0285% | 5,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5758% | 1,682 |
| Assets per employee ($millions) | 7.6722% | 575 |
| Cash dividends to net income (ytd only)* | 37.0763% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9093% | 1,565 |
| Loan loss allowance to noncurrent loans | 671.1628% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 5,293 |
| Noncurrent loans to loans | 0.2845% | 5,168 |
| Net loans and leases to total assets | 30.6748% | 6,284 |
| Net loans and leases to deposits | 33.4424% | 6,360 |
| Net loans and leases to core deposits | 37.0167% | 6,307 |
| Total domestic deposits to total assets | 91.7244% | 214 |
| Equity capital to assets | 8.0224% | 6,145 |
| Core capital (leverage) ratio | 8.7842% | 5,286 |
| Tier 1 risk-based capital ratio | 13.4962% | 4,583 |
| Total risk-based capital ratio | 14.6936% | 4,562 |
| Memoranda: | ||
| Average total assets | $395,009,000 | 1,679 |
| Average earning assets | $352,230,670 | 1,710 |
| Average equity | $35,534,330 | 1,969 |
| Average total loans | $140,307,330 | 2,724 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7038% | 4,833 |
| Cost of funding earning assets | 0.2776% | 5,311 |
| Net interest margin | 3.4262% | 4,004 |
| Noninterest income to average assets | 0.5039% | 3,381 |
| Noninterest expense to average assets | 2.8549% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7023% | 3,675 |
| Return on assets (ROA) | 1.5928% | 702 |
| Pretax return on assets | 1.5928% | 1,187 |
| Return on Equity (ROE) | 16.4772% | 595 |
| Retained earnings to average equity (ytd only) | 12.9388% | 489 |
| Net charge-offs to loans | -0.0652% | 5,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2564% | 2,172 |
| Assets per employee ($millions) | 6.0957% | 1,245 |
| Cash dividends to net income (ytd only)* | 21.4746% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9339% | 1,663 |
| Loan loss allowance to noncurrent loans | 980.5147% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 5,205 |
| Noncurrent loans to loans | 0.1972% | 5,498 |
| Net loans and leases to total assets | 37.6040% | 5,970 |
| Net loans and leases to deposits | 42.1867% | 6,070 |
| Net loans and leases to core deposits | 47.4430% | 5,908 |
| Total domestic deposits to total assets | 89.1371% | 1,567 |
| Equity capital to assets | 9.8611% | 4,016 |
| Core capital (leverage) ratio | 10.6325% | 2,777 |
| Tier 1 risk-based capital ratio | 17.4271% | 2,502 |
| Total risk-based capital ratio | 18.6688% | 2,473 |
| Memoranda: | ||
| Average total assets | $350,839,500 | 1,871 |
| Average earning assets | $312,650,000 | 1,927 |
| Average equity | $33,913,500 | 2,038 |
| Average total loans | $134,885,000 | 2,814 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 5,652 |
| Cost of funding earning assets | 0.2739% | 5,799 |
| Net interest margin | 3.2241% | 4,917 |
| Noninterest income to average assets | 0.5740% | 3,253 |
| Noninterest expense to average assets | 2.8488% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6493% | 4,034 |
| Return on assets (ROA) | 1.2650% | 1,403 |
| Pretax return on assets | 1.2650% | 2,293 |
| Return on Equity (ROE) | 11.9337% | 1,439 |
| Retained earnings to average equity (ytd only) | 8.4400% | 922 |
| Net charge-offs to loans | -0.1794% | 6,598 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8381% | 2,040 |
| Assets per employee ($millions) | 5.8971% | 1,339 |
| Cash dividends to net income (ytd only)* | 29.2754% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0059% | 1,535 |
| Loan loss allowance to noncurrent loans | 762.2478% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.3710% | 5,136 |
| Noncurrent loans to loans | 0.2632% | 5,396 |
| Net loans and leases to total assets | 37.7790% | 6,112 |
| Net loans and leases to deposits | 41.8040% | 6,236 |
| Net loans and leases to core deposits | 46.2964% | 6,124 |
| Total domestic deposits to total assets | 90.3717% | 895 |
| Equity capital to assets | 9.4616% | 4,483 |
| Core capital (leverage) ratio | 10.9169% | 2,462 |
| Tier 1 risk-based capital ratio | 17.7736% | 2,317 |
| Total risk-based capital ratio | 19.0240% | 2,287 |
| Memoranda: | ||
| Average total assets | $324,029,400 | 1,984 |
| Average earning assets | $293,881,400 | 2,016 |
| Average equity | $34,348,200 | 1,999 |
| Average total loans | $117,620,800 | 3,087 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 5,702 |
| Cost of funding earning assets | 0.2811% | 5,879 |
| Net interest margin | 3.2120% | 4,958 |
| Noninterest income to average assets | 0.5512% | 3,447 |
| Noninterest expense to average assets | 2.8137% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6647% | 4,044 |
| Return on assets (ROA) | 1.3557% | 1,261 |
| Pretax return on assets | 1.3557% | 2,092 |
| Return on Equity (ROE) | 12.4320% | 1,366 |
| Retained earnings to average equity (ytd only) | 9.1795% | 1,009 |
| Net charge-offs to loans | -0.2326% | 6,678 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0744% | 2,087 |
| Assets per employee ($millions) | 5.1337% | 2,015 |
| Cash dividends to net income (ytd only)* | 26.1620% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2280% | 1,288 |
| Loan loss allowance to noncurrent loans | 1,016.6023% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.3758% | 5,280 |
| Noncurrent loans to loans | 0.2192% | 5,685 |
| Net loans and leases to total assets | 36.3019% | 6,268 |
| Net loans and leases to deposits | 40.3900% | 6,372 |
| Net loans and leases to core deposits | 45.6586% | 6,231 |
| Total domestic deposits to total assets | 89.8784% | 1,070 |
| Equity capital to assets | 9.9334% | 3,999 |
| Core capital (leverage) ratio | 11.1006% | 2,382 |
| Tier 1 risk-based capital ratio | 18.9256% | 2,012 |
| Total risk-based capital ratio | 20.1774% | 1,969 |
| Memoranda: | ||
| Average total assets | $319,528,250 | 2,022 |
| Average earning assets | $291,196,000 | 2,042 |
| Average equity | $34,844,750 | 1,998 |
| Average total loans | $114,060,500 | 3,182 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4593% | 5,771 |
| Cost of funding earning assets | 0.2804% | 5,982 |
| Net interest margin | 3.1789% | 5,014 |
| Noninterest income to average assets | 0.5451% | 3,538 |
| Noninterest expense to average assets | 2.8193% | 3,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6314% | 4,149 |
| Return on assets (ROA) | 1.6609% | 738 |
| Pretax return on assets | 1.6609% | 1,209 |
| Return on Equity (ROE) | 14.7937% | 846 |
| Retained earnings to average equity (ytd only) | 12.0098% | 489 |
| Net charge-offs to loans | 0.0266% | 4,324 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 67.3333% | 656 |
| Efficiency ratio | 80.4710% | 2,092 |
| Assets per employee ($millions) | 5.0153% | 2,100 |
| Cash dividends to net income (ytd only)* | 18.8182% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0347% | 1,779 |
| Loan loss allowance to noncurrent loans | 136.6667% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 4,789 |
| Noncurrent loans to loans | 1.4888% | 3,075 |
| Net loans and leases to total assets | 36.8607% | 6,244 |
| Net loans and leases to deposits | 41.2647% | 6,354 |
| Net loans and leases to core deposits | 46.8085% | 6,192 |
| Total domestic deposits to total assets | 89.3276% | 1,430 |
| Equity capital to assets | 10.4974% | 3,312 |
| Core capital (leverage) ratio | 11.0185% | 2,338 |
| Tier 1 risk-based capital ratio | 19.1156% | 1,965 |
| Total risk-based capital ratio | 20.3660% | 1,929 |
| Memoranda: | ||
| Average total assets | $319,941,330 | 2,021 |
| Average earning assets | $292,425,000 | 2,034 |
| Average equity | $35,920,670 | 1,940 |
| Average total loans | $112,688,000 | 3,218 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3568% | 6,036 |
| Cost of funding earning assets | 0.2696% | 6,160 |
| Net interest margin | 3.0871% | 5,314 |
| Noninterest income to average assets | 0.4995% | 3,770 |
| Noninterest expense to average assets | 2.9062% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4100% | 5,089 |
| Return on assets (ROA) | 1.2860% | 1,420 |
| Pretax return on assets | 1.2860% | 2,269 |
| Return on Equity (ROE) | 11.1001% | 1,680 |
| Retained earnings to average equity (ytd only) | 8.4189% | 1,597 |
| Net charge-offs to loans | -0.0913% | 6,406 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0880% | 1,631 |
| Assets per employee ($millions) | 5.3421% | 1,815 |
| Cash dividends to net income (ytd only)* | 24.1546% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1983% | 1,588 |
| Loan loss allowance to noncurrent loans | 262.9947% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 5,650 |
| Noncurrent loans to loans | 0.8359% | 4,451 |
| Net loans and leases to total assets | 33.5712% | 6,439 |
| Net loans and leases to deposits | 37.9440% | 6,508 |
| Net loans and leases to core deposits | 42.9064% | 6,371 |
| Total domestic deposits to total assets | 88.4754% | 2,026 |
| Equity capital to assets | 11.4107% | 2,504 |
| Core capital (leverage) ratio | 10.8436% | 2,411 |
| Tier 1 risk-based capital ratio | 18.9677% | 2,050 |
| Total risk-based capital ratio | 20.2194% | 2,026 |
| Memoranda: | ||
| Average total assets | $321,929,500 | 2,037 |
| Average earning assets | $293,734,500 | 2,050 |
| Average equity | $37,297,000 | 1,900 |
| Average total loans | $109,589,000 | 3,294 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 6,457 |
| Cost of funding earning assets | 0.3056% | 6,424 |
| Net interest margin | 3.1162% | 5,777 |
| Noninterest income to average assets | 0.4703% | 4,096 |
| Noninterest expense to average assets | 3.2156% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1116% | 5,990 |
| Return on assets (ROA) | 1.0416% | 2,362 |
| Pretax return on assets | 1.0416% | 3,396 |
| Return on Equity (ROE) | 8.4587% | 2,891 |
| Retained earnings to average equity (ytd only) | 4.4011% | 3,132 |
| Net charge-offs to loans | -0.1009% | 6,826 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5618% | 888 |
| Assets per employee ($millions) | 4.9686% | 2,272 |
| Cash dividends to net income (ytd only)* | 47.9693% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2680% | 1,421 |
| Loan loss allowance to noncurrent loans | 251.9669% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 5,690 |
| Noncurrent loans to loans | 0.9001% | 4,384 |
| Net loans and leases to total assets | 32.9844% | 6,591 |
| Net loans and leases to deposits | 37.4276% | 6,652 |
| Net loans and leases to core deposits | 42.6131% | 6,521 |
| Total domestic deposits to total assets | 88.1286% | 2,147 |
| Equity capital to assets | 11.7645% | 2,211 |
| Core capital (leverage) ratio | 10.7141% | 2,530 |
| Tier 1 risk-based capital ratio | 19.7200% | 1,744 |
| Total risk-based capital ratio | 20.9724% | 1,714 |
| Memoranda: | ||
| Average total assets | $300,224,000 | 2,136 |
| Average earning assets | $275,237,800 | 2,132 |
| Average equity | $36,967,800 | 1,879 |
| Average total loans | $89,176,400 | 3,765 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3815% | 6,648 |
| Cost of funding earning assets | 0.3133% | 6,547 |
| Net interest margin | 3.0682% | 6,020 |
| Noninterest income to average assets | 0.4467% | 4,319 |
| Noninterest expense to average assets | 3.2870% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0153% | 6,304 |
| Return on assets (ROA) | 1.1774% | 2,002 |
| Pretax return on assets | 1.1774% | 3,074 |
| Return on Equity (ROE) | 9.4488% | 2,616 |
| Retained earnings to average equity (ytd only) | 5.8314% | 2,806 |
| Net charge-offs to loans | -0.1134% | 6,880 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2524% | 668 |
| Assets per employee ($millions) | 4.7854% | 2,476 |
| Cash dividends to net income (ytd only)* | 38.2848% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3750% | 1,398 |
| Loan loss allowance to noncurrent loans | 233.4300% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 5,798 |
| Noncurrent loans to loans | 1.0174% | 4,417 |
| Net loans and leases to total assets | 31.9274% | 6,749 |
| Net loans and leases to deposits | 36.4223% | 6,804 |
| Net loans and leases to core deposits | 42.4078% | 6,659 |
| Total domestic deposits to total assets | 87.6587% | 2,256 |
| Equity capital to assets | 12.2053% | 2,110 |
| Core capital (leverage) ratio | 10.9555% | 2,437 |
| Tier 1 risk-based capital ratio | 20.8907% | 1,551 |
| Total risk-based capital ratio | 22.1443% | 1,514 |
| Memoranda: | ||
| Average total assets | $295,782,500 | 2,186 |
| Average earning assets | $272,336,250 | 2,173 |
| Average equity | $36,857,250 | 1,903 |
| Average total loans | $84,640,250 | 3,934 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3658% | 6,759 |
| Cost of funding earning assets | 0.3203% | 6,645 |
| Net interest margin | 3.0454% | 6,135 |
| Noninterest income to average assets | 0.4362% | 4,390 |
| Noninterest expense to average assets | 3.4043% | 2,025 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1686% | 6,511 |
| Return on assets (ROA) | 1.5329% | 1,058 |
| Pretax return on assets | 1.5329% | 1,769 |
| Return on Equity (ROE) | 12.2122% | 1,599 |
| Retained earnings to average equity (ytd only) | 8.3754% | 1,489 |
| Net charge-offs to loans | -0.1799% | 6,976 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8718% | 530 |
| Assets per employee ($millions) | 4.7070% | 2,559 |
| Cash dividends to net income (ytd only)* | 31.4183% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6747% | 1,069 |
| Loan loss allowance to noncurrent loans | 208.7295% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 5,759 |
| Noncurrent loans to loans | 1.2814% | 3,997 |
| Net loans and leases to total assets | 29.1709% | 6,893 |
| Net loans and leases to deposits | 33.3141% | 6,935 |
| Net loans and leases to core deposits | 38.3339% | 6,863 |
| Total domestic deposits to total assets | 87.5631% | 2,426 |
| Equity capital to assets | 12.3098% | 1,928 |
| Core capital (leverage) ratio | 11.1988% | 2,123 |
| Tier 1 risk-based capital ratio | 22.5307% | 1,194 |
| Total risk-based capital ratio | 23.7853% | 1,180 |
| Memoranda: | ||
| Average total assets | $290,692,330 | 2,224 |
| Average earning assets | $267,220,000 | 2,208 |
| Average equity | $36,488,000 | 1,911 |
| Average total loans | $78,944,670 | 4,127 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 6,725 |
| Cost of funding earning assets | 0.3250% | 6,753 |
| Net interest margin | 3.1511% | 5,906 |
| Noninterest income to average assets | 0.4204% | 4,515 |
| Noninterest expense to average assets | 3.2921% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0224% | 6,377 |
| Return on assets (ROA) | 0.8941% | 3,164 |
| Pretax return on assets | 0.8941% | 4,048 |
| Return on Equity (ROE) | 7.0516% | 3,758 |
| Retained earnings to average equity (ytd only) | 7.0516% | 2,409 |
| Net charge-offs to loans | -0.4804% | 7,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0106% | 768 |
| Assets per employee ($millions) | 4.5428% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0690% | 781 |
| Loan loss allowance to noncurrent loans | 148.1121% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 5,364 |
| Noncurrent loans to loans | 2.0721% | 3,061 |
| Net loans and leases to total assets | 26.0135% | 7,038 |
| Net loans and leases to deposits | 29.7137% | 7,059 |
| Net loans and leases to core deposits | 33.8331% | 6,995 |
| Total domestic deposits to total assets | 87.5471% | 2,623 |
| Equity capital to assets | 12.3516% | 1,818 |
| Core capital (leverage) ratio | 11.6217% | 1,819 |
| Tier 1 risk-based capital ratio | 24.5193% | 948 |
| Total risk-based capital ratio | 25.7770% | 935 |
| Memoranda: | ||
| Average total assets | $285,414,000 | 2,284 |
| Average earning assets | $262,134,500 | 2,263 |
| Average equity | $36,190,500 | 1,919 |
| Average total loans | $73,271,000 | 4,336 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 6,409 |
| Cost of funding earning assets | 0.5427% | 6,375 |
| Net interest margin | 3.4822% | 5,213 |
| Noninterest income to average assets | 0.4488% | 4,221 |
| Noninterest expense to average assets | 3.6368% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.0296% | 6,082 |
| Return on assets (ROA) | 0.7742% | 3,323 |
| Pretax return on assets | 0.7742% | 4,070 |
| Return on Equity (ROE) | 6.0484% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.2935% | 3,124 |
| Net charge-offs to loans | -0.0213% | 6,964 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5857% | 793 |
| Assets per employee ($millions) | 4.3054% | 3,237 |
| Cash dividends to net income (ytd only)* | 29.0135% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4831% | 540 |
| Loan loss allowance to noncurrent loans | 112.6382% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.8793% | 4,863 |
| Noncurrent loans to loans | 3.0923% | 2,090 |
| Net loans and leases to total assets | 23.5724% | 7,161 |
| Net loans and leases to deposits | 27.1427% | 7,177 |
| Net loans and leases to core deposits | 30.6632% | 7,141 |
| Total domestic deposits to total assets | 86.8462% | 2,849 |
| Equity capital to assets | 13.0319% | 1,466 |
| Core capital (leverage) ratio | 11.4666% | 1,917 |
| Tier 1 risk-based capital ratio | 25.8802% | 789 |
| Total risk-based capital ratio | 27.1383% | 776 |
| Memoranda: | ||
| Average total assets | $267,130,000 | 2,360 |
| Average earning assets | $242,287,800 | 2,380 |
| Average equity | $34,191,000 | 1,960 |
| Average total loans | $75,070,400 | 4,311 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 6,270 |
| Cost of funding earning assets | 0.5997% | 6,288 |
| Net interest margin | 3.5722% | 4,886 |
| Noninterest income to average assets | 0.4503% | 4,292 |
| Noninterest expense to average assets | 3.5266% | 1,868 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1570% | 5,810 |
| Return on assets (ROA) | 0.9116% | 2,829 |
| Pretax return on assets | 0.9116% | 3,715 |
| Return on Equity (ROE) | 7.1559% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.1559% | 1,884 |
| Net charge-offs to loans | -0.0571% | 7,074 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5597% | 1,063 |
| Assets per employee ($millions) | 4.5509% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4788% | 575 |
| Loan loss allowance to noncurrent loans | 117.7556% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 5,059 |
| Noncurrent loans to loans | 2.9543% | 2,355 |
| Net loans and leases to total assets | 23.5973% | 7,239 |
| Net loans and leases to deposits | 27.2148% | 7,255 |
| Net loans and leases to core deposits | 31.2094% | 7,211 |
| Total domestic deposits to total assets | 86.7077% | 2,816 |
| Equity capital to assets | 13.2062% | 1,512 |
| Core capital (leverage) ratio | 11.4912% | 2,032 |
| Tier 1 risk-based capital ratio | 26.0924% | 827 |
| Total risk-based capital ratio | 27.3511% | 803 |
| Memoranda: | ||
| Average total assets | $265,025,750 | 2,389 |
| Average earning assets | $239,885,500 | 2,408 |
| Average equity | $33,761,500 | 1,979 |
| Average total loans | $77,013,750 | 4,276 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 6,227 |
| Cost of funding earning assets | 0.6482% | 6,237 |
| Net interest margin | 3.5793% | 4,790 |
| Noninterest income to average assets | 0.4447% | 4,319 |
| Noninterest expense to average assets | 3.6092% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0744% | 6,071 |
| Return on assets (ROA) | 0.9255% | 2,641 |
| Pretax return on assets | 0.9255% | 3,532 |
| Return on Equity (ROE) | 7.3609% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.3609% | 1,708 |
| Net charge-offs to loans | -0.0824% | 7,120 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7344% | 996 |
| Assets per employee ($millions) | 4.3337% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2137% | 752 |
| Loan loss allowance to noncurrent loans | 74.3856% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.3123% | 4,278 |
| Noncurrent loans to loans | 4.3203% | 1,563 |
| Net loans and leases to total assets | 26.4643% | 7,277 |
| Net loans and leases to deposits | 30.3848% | 7,302 |
| Net loans and leases to core deposits | 34.5640% | 7,248 |
| Total domestic deposits to total assets | 87.0969% | 2,689 |
| Equity capital to assets | 12.8153% | 1,619 |
| Core capital (leverage) ratio | 11.6274% | 1,832 |
| Tier 1 risk-based capital ratio | 24.8402% | 917 |
| Total risk-based capital ratio | 26.0982% | 898 |
| Memoranda: | ||
| Average total assets | $260,833,000 | 2,449 |
| Average earning assets | $236,026,670 | 2,466 |
| Average equity | $32,795,000 | 2,015 |
| Average total loans | $80,062,330 | 4,213 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 6,245 |
| Cost of funding earning assets | 0.6652% | 6,313 |
| Net interest margin | 3.5519% | 4,806 |
| Noninterest income to average assets | 0.4562% | 4,223 |
| Noninterest expense to average assets | 3.7773% | 1,378 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.1121% | 6,471 |
| Return on assets (ROA) | 0.6259% | 3,955 |
| Pretax return on assets | 0.6259% | 4,585 |
| Return on Equity (ROE) | 5.0288% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.0288% | 3,176 |
| Net charge-offs to loans | -0.1775% | 7,235 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7256% | 800 |
| Assets per employee ($millions) | 3.7263% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0048% | 914 |
| Loan loss allowance to noncurrent loans | 56.7282% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.7333% | 3,660 |
| Noncurrent loans to loans | 5.2969% | 1,249 |
| Net loans and leases to total assets | 29.2680% | 7,252 |
| Net loans and leases to deposits | 33.4877% | 7,282 |
| Net loans and leases to core deposits | 38.0806% | 7,217 |
| Total domestic deposits to total assets | 87.3991% | 2,713 |
| Equity capital to assets | 12.5085% | 1,625 |
| Core capital (leverage) ratio | 11.8417% | 1,655 |
| Tier 1 risk-based capital ratio | 24.0899% | 965 |
| Total risk-based capital ratio | 25.3476% | 949 |
| Memoranda: | ||
| Average total assets | $256,906,000 | 2,500 |
| Average earning assets | $232,099,000 | 2,523 |
| Average equity | $31,976,000 | 2,049 |
| Average total loans | $83,360,000 | 4,151 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 5,676 |
| Cost of funding earning assets | 0.8257% | 6,461 |
| Net interest margin | 3.9084% | 3,450 |
| Noninterest income to average assets | 0.4895% | 4,250 |
| Noninterest expense to average assets | 3.7189% | 1,659 |
| Loan and lease loss provision to assets | 0.5757% | 2,830 |
| Net operating income to assets | -0.2955% | 6,208 |
| Return on assets (ROA) | 0.1044% | 5,715 |
| Pretax return on assets | 0.1044% | 5,691 |
| Return on Equity (ROE) | 0.7991% | 5,752 |
| Retained earnings to average equity (ytd only) | 0.1820% | 5,483 |
| Net charge-offs to loans | 1.2967% | 1,721 |
| Credit loss provision to net charge-offs | 112.7072% | 3,873 |
| Earnings coverage of net charge-offs (x) | 0.5485% | 5,561 |
| Efficiency ratio | 88.8799% | 1,404 |
| Assets per employee ($millions) | 3.9527% | 3,880 |
| Cash dividends to net income (ytd only)* | 77.2201% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6451% | 1,234 |
| Loan loss allowance to noncurrent loans | 31.1981% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 3.0209% | 2,329 |
| Noncurrent loans to loans | 8.4783% | 582 |
| Net loans and leases to total assets | 33.8711% | 7,231 |
| Net loans and leases to deposits | 38.7175% | 7,291 |
| Net loans and leases to core deposits | 44.2026% | 7,193 |
| Total domestic deposits to total assets | 87.4825% | 2,561 |
| Equity capital to assets | 12.3827% | 1,704 |
| Core capital (leverage) ratio | 11.6732% | 1,742 |
| Tier 1 risk-based capital ratio | 22.8424% | 1,059 |
| Total risk-based capital ratio | 24.0996% | 1,040 |
| Memoranda: | ||
| Average total assets | $248,032,000 | 2,558 |
| Average earning assets | $222,723,600 | 2,598 |
| Average equity | $32,412,400 | 2,025 |
| Average total loans | $97,710,600 | 3,863 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 6,039 |
| Cost of funding earning assets | 0.8647% | 6,527 |
| Net interest margin | 3.8303% | 3,842 |
| Noninterest income to average assets | 0.4981% | 4,206 |
| Noninterest expense to average assets | 3.5532% | 1,900 |
| Loan and lease loss provision to assets | 0.7715% | 1,980 |
| Net operating income to assets | -0.3852% | 6,507 |
| Return on assets (ROA) | 0.1507% | 5,794 |
| Pretax return on assets | 0.1507% | 5,832 |
| Return on Equity (ROE) | 1.1381% | 5,862 |
| Retained earnings to average equity (ytd only) | 0.3223% | 5,660 |
| Net charge-offs to loans | 1.5712% | 1,266 |
| Credit loss provision to net charge-offs | 121.0169% | 3,402 |
| Earnings coverage of net charge-offs (x) | 0.6059% | 5,422 |
| Efficiency ratio | 85.9984% | 1,632 |
| Assets per employee ($millions) | 4.0252% | 3,784 |
| Cash dividends to net income (ytd only)* | 71.6847% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5590% | 1,259 |
| Loan loss allowance to noncurrent loans | 25.1353% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 3.8598% | 1,830 |
| Noncurrent loans to loans | 10.1809% | 403 |
| Net loans and leases to total assets | 36.2630% | 7,256 |
| Net loans and leases to deposits | 41.9882% | 7,302 |
| Net loans and leases to core deposits | 48.8092% | 7,171 |
| Total domestic deposits to total assets | 86.3648% | 2,880 |
| Equity capital to assets | 13.5260% | 1,338 |
| Core capital (leverage) ratio | 11.7911% | 1,769 |
| Tier 1 risk-based capital ratio | 22.2275% | 1,176 |
| Total risk-based capital ratio | 23.4845% | 1,141 |
| Memoranda: | ||
| Average total assets | $246,796,500 | 2,606 |
| Average earning assets | $221,733,250 | 2,645 |
| Average equity | $32,684,250 | 2,031 |
| Average total loans | $100,135,000 | 3,855 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 5,498 |
| Cost of funding earning assets | 0.8936% | 6,610 |
| Net interest margin | 3.9824% | 3,100 |
| Noninterest income to average assets | 0.4965% | 4,147 |
| Noninterest expense to average assets | 3.5521% | 1,904 |
| Loan and lease loss provision to assets | 0.2642% | 4,285 |
| Net operating income to assets | 0.2634% | 5,324 |
| Return on assets (ROA) | 0.9757% | 2,359 |
| Pretax return on assets | 0.9757% | 3,220 |
| Return on Equity (ROE) | 7.4225% | 3,141 |
| Retained earnings to average equity (ytd only) | 6.1781% | 2,239 |
| Net charge-offs to loans | 0.1293% | 4,909 |
| Credit loss provision to net charge-offs | 489.3939% | 760 |
| Earnings coverage of net charge-offs (x) | 9.7727% | 1,976 |
| Efficiency ratio | 82.9791% | 2,044 |
| Assets per employee ($millions) | 3.7066% | 4,454 |
| Cash dividends to net income (ytd only)* | 16.7645% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4565% | 1,355 |
| Loan loss allowance to noncurrent loans | 57.7418% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.7896% | 3,771 |
| Noncurrent loans to loans | 4.2542% | 1,752 |
| Net loans and leases to total assets | 39.3460% | 7,205 |
| Net loans and leases to deposits | 45.5056% | 7,274 |
| Net loans and leases to core deposits | 53.0179% | 7,086 |
| Total domestic deposits to total assets | 86.4639% | 2,841 |
| Equity capital to assets | 13.4130% | 1,382 |
| Core capital (leverage) ratio | 12.1999% | 1,540 |
| Tier 1 risk-based capital ratio | 22.6848% | 1,100 |
| Total risk-based capital ratio | 23.9422% | 1,081 |
| Memoranda: | ||
| Average total assets | $244,533,330 | 2,661 |
| Average earning assets | $220,016,670 | 2,684 |
| Average equity | $32,145,670 | 2,053 |
| Average total loans | $102,055,670 | 3,830 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8788% | 5,565 |
| Cost of funding earning assets | 0.9128% | 6,720 |
| Net interest margin | 3.9660% | 3,021 |
| Noninterest income to average assets | 0.4761% | 4,231 |
| Noninterest expense to average assets | 3.4113% | 2,199 |
| Loan and lease loss provision to assets | 0.5285% | 2,386 |
| Net operating income to assets | 0.0834% | 6,066 |
| Return on assets (ROA) | 0.8982% | 2,625 |
| Pretax return on assets | 0.8982% | 3,478 |
| Return on Equity (ROE) | 6.9031% | 3,394 |
| Retained earnings to average equity (ytd only) | 4.3883% | 3,518 |
| Net charge-offs to loans | 0.2390% | 3,503 |
| Credit loss provision to net charge-offs | 520.9677% | 810 |
| Earnings coverage of net charge-offs (x) | 6.0323% | 2,296 |
| Efficiency ratio | 80.6425% | 2,465 |
| Assets per employee ($millions) | 3.9090% | 4,077 |
| Cash dividends to net income (ytd only)* | 36.4299% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3474% | 1,501 |
| Loan loss allowance to noncurrent loans | 38.9978% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 2.6012% | 2,805 |
| Noncurrent loans to loans | 6.0194% | 1,090 |
| Net loans and leases to total assets | 41.0143% | 7,182 |
| Net loans and leases to deposits | 47.2861% | 7,264 |
| Net loans and leases to core deposits | 55.2045% | 7,037 |
| Total domestic deposits to total assets | 86.7364% | 2,772 |
| Equity capital to assets | 13.1739% | 1,458 |
| Core capital (leverage) ratio | 12.2062% | 1,543 |
| Tier 1 risk-based capital ratio | 22.4829% | 1,149 |
| Total risk-based capital ratio | 23.7400% | 1,120 |
| Memoranda: | ||
| Average total assets | $244,482,500 | 2,709 |
| Average earning assets | $218,661,000 | 2,754 |
| Average equity | $31,812,000 | 2,098 |
| Average total loans | $103,744,500 | 3,831 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 4,771 |
| Cost of funding earning assets | 1.1160% | 6,924 |
| Net interest margin | 4.2672% | 1,829 |
| Noninterest income to average assets | 0.5119% | 4,321 |
| Noninterest expense to average assets | 3.2513% | 3,187 |
| Loan and lease loss provision to assets | 0.6645% | 3,151 |
| Net operating income to assets | 0.4855% | 3,792 |
| Return on assets (ROA) | 0.7135% | 2,944 |
| Pretax return on assets | 0.7074% | 3,546 |
| Return on Equity (ROE) | 5.6239% | 3,368 |
| Retained earnings to average equity (ytd only) | 1.7938% | 3,837 |
| Net charge-offs to loans | 0.4805% | 3,856 |
| Credit loss provision to net charge-offs | 328.8577% | 993 |
| Earnings coverage of net charge-offs (x) | 5.6613% | 2,532 |
| Efficiency ratio | 70.2137% | 4,579 |
| Assets per employee ($millions) | 3.5173% | 4,971 |
| Cash dividends to net income (ytd only)* | 68.1044% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0825% | 1,852 |
| Loan loss allowance to noncurrent loans | 41.4975% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.1517% | 3,200 |
| Noncurrent loans to loans | 5.0185% | 1,351 |
| Net loans and leases to total assets | 41.9820% | 7,252 |
| Net loans and leases to deposits | 48.2347% | 7,348 |
| Net loans and leases to core deposits | 65.0084% | 7,032 |
| Total domestic deposits to total assets | 87.0369% | 2,485 |
| Equity capital to assets | 12.8477% | 1,571 |
| Core capital (leverage) ratio | 12.0517% | 1,643 |
| Tier 1 risk-based capital ratio | 21.8484% | 1,172 |
| Total risk-based capital ratio | 23.1033% | 1,146 |
| Memoranda: | ||
| Average total assets | $246,944,200 | 2,636 |
| Average earning assets | $224,738,800 | 2,654 |
| Average equity | $31,330,800 | 2,137 |
| Average total loans | $103,859,000 | 3,844 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4914% | 4,458 |
| Cost of funding earning assets | 1.1608% | 7,001 |
| Net interest margin | 4.3305% | 1,643 |
| Noninterest income to average assets | 0.5118% | 4,391 |
| Noninterest expense to average assets | 3.0369% | 3,893 |
| Loan and lease loss provision to assets | 0.7204% | 2,576 |
| Net operating income to assets | 0.7075% | 3,177 |
| Return on assets (ROA) | 0.9962% | 2,133 |
| Pretax return on assets | 0.9881% | 2,943 |
| Return on Equity (ROE) | 7.8761% | 2,698 |
| Retained earnings to average equity (ytd only) | 3.6256% | 3,259 |
| Net charge-offs to loans | 0.3249% | 4,015 |
| Credit loss provision to net charge-offs | 529.6443% | 738 |
| Earnings coverage of net charge-offs (x) | 10.4389% | 1,963 |
| Efficiency ratio | 64.4511% | 5,673 |
| Assets per employee ($millions) | 3.5761% | 4,742 |
| Cash dividends to net income (ytd only)* | 53.9666% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 1,793 |
| Loan loss allowance to noncurrent loans | 38.1365% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 2,965 |
| Noncurrent loans to loans | 5.2543% | 1,217 |
| Net loans and leases to total assets | 43.1081% | 7,307 |
| Net loans and leases to deposits | 49.7915% | 7,420 |
| Net loans and leases to core deposits | 67.7265% | 7,084 |
| Total domestic deposits to total assets | 86.5772% | 2,390 |
| Equity capital to assets | 13.3076% | 1,574 |
| Core capital (leverage) ratio | 11.8867% | 1,848 |
| Tier 1 risk-based capital ratio | 21.4123% | 1,301 |
| Total risk-based capital ratio | 22.6658% | 1,280 |
| Memoranda: | ||
| Average total assets | $248,006,000 | 2,640 |
| Average earning assets | $225,925,250 | 2,663 |
| Average equity | $31,368,250 | 2,155 |
| Average total loans | $103,809,750 | 3,887 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5079% | 4,580 |
| Cost of funding earning assets | 1.1836% | 7,153 |
| Net interest margin | 4.3243% | 1,594 |
| Noninterest income to average assets | 0.4864% | 4,566 |
| Noninterest expense to average assets | 2.8763% | 4,593 |
| Loan and lease loss provision to assets | 1.0685% | 1,598 |
| Net operating income to assets | 0.4745% | 4,198 |
| Return on assets (ROA) | 0.7902% | 2,983 |
| Pretax return on assets | 0.7902% | 3,703 |
| Return on Equity (ROE) | 6.3534% | 3,498 |
| Retained earnings to average equity (ytd only) | 1.5451% | 4,467 |
| Net charge-offs to loans | 0.4841% | 2,890 |
| Credit loss provision to net charge-offs | 536.0000% | 865 |
| Earnings coverage of net charge-offs (x) | 7.7400% | 2,396 |
| Efficiency ratio | 61.4038% | 6,328 |
| Assets per employee ($millions) | 3.6838% | 4,367 |
| Cash dividends to net income (ytd only)* | 75.6811% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0615% | 1,455 |
| Loan loss allowance to noncurrent loans | 48.6542% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.7505% | 3,551 |
| Noncurrent loans to loans | 4.2370% | 1,559 |
| Net loans and leases to total assets | 40.1131% | 7,546 |
| Net loans and leases to deposits | 45.8190% | 7,642 |
| Net loans and leases to core deposits | 62.8342% | 7,346 |
| Total domestic deposits to total assets | 87.5468% | 1,997 |
| Equity capital to assets | 12.2776% | 2,041 |
| Core capital (leverage) ratio | 11.3459% | 2,174 |
| Tier 1 risk-based capital ratio | 21.5129% | 1,325 |
| Total risk-based capital ratio | 22.7669% | 1,291 |
| Memoranda: | ||
| Average total assets | $250,808,000 | 2,624 |
| Average earning assets | $228,108,330 | 2,652 |
| Average equity | $31,196,000 | 2,172 |
| Average total loans | $103,280,000 | 3,932 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6387% | 4,116 |
| Cost of funding earning assets | 1.2167% | 7,263 |
| Net interest margin | 4.4220% | 1,296 |
| Noninterest income to average assets | 0.5084% | 4,244 |
| Noninterest expense to average assets | 2.7510% | 4,776 |
| Loan and lease loss provision to assets | 1.3388% | 955 |
| Net operating income to assets | 0.4272% | 4,757 |
| Return on assets (ROA) | 1.0169% | 2,378 |
| Pretax return on assets | 1.0169% | 3,284 |
| Return on Equity (ROE) | 8.1231% | 3,086 |
| Retained earnings to average equity (ytd only) | 4.9401% | 3,165 |
| Net charge-offs to loans | 0.9805% | 1,373 |
| Credit loss provision to net charge-offs | 330.7087% | 1,508 |
| Earnings coverage of net charge-offs (x) | 4.3622% | 2,903 |
| Efficiency ratio | 57.3042% | 6,789 |
| Assets per employee ($millions) | 3.6597% | 4,427 |
| Cash dividends to net income (ytd only)* | 39.1850% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 2,513 |
| Loan loss allowance to noncurrent loans | 37.6578% | 6,036 |
| Noncurrent assets plus other real estate owned to assets | 1.7190% | 3,342 |
| Noncurrent loans to loans | 4.2543% | 1,385 |
| Net loans and leases to total assets | 39.7595% | 7,580 |
| Net loans and leases to deposits | 45.5586% | 7,679 |
| Net loans and leases to core deposits | 61.1564% | 7,415 |
| Total domestic deposits to total assets | 87.2711% | 2,086 |
| Equity capital to assets | 12.6152% | 1,922 |
| Core capital (leverage) ratio | 11.4839% | 2,158 |
| Tier 1 risk-based capital ratio | 21.9130% | 1,312 |
| Total risk-based capital ratio | 23.1513% | 1,283 |
| Memoranda: | ||
| Average total assets | $250,963,500 | 2,633 |
| Average earning assets | $227,499,500 | 2,669 |
| Average equity | $31,416,500 | 2,157 |
| Average total loans | $103,621,500 | 3,944 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5332% | 2,797 |
| Cost of funding earning assets | 1.8908% | 6,752 |
| Net interest margin | 4.6424% | 1,067 |
| Noninterest income to average assets | 0.7508% | 2,779 |
| Noninterest expense to average assets | 3.3451% | 2,830 |
| Loan and lease loss provision to assets | 0.0790% | 6,412 |
| Net operating income to assets | 1.4140% | 1,199 |
| Return on assets (ROA) | 1.4397% | 1,101 |
| Pretax return on assets | 1.4397% | 1,851 |
| Return on Equity (ROE) | 11.7056% | 1,684 |
| Retained earnings to average equity (ytd only) | 2.5581% | 3,605 |
| Net charge-offs to loans | 0.1769% | 4,436 |
| Credit loss provision to net charge-offs | 99.5025% | 5,392 |
| Earnings coverage of net charge-offs (x) | 18.8159% | 1,676 |
| Efficiency ratio | 65.8127% | 5,164 |
| Assets per employee ($millions) | 2.9088% | 6,271 |
| Cash dividends to net income (ytd only)* | 78.1464% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 6,340 |
| Loan loss allowance to noncurrent loans | 401.9608% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 7,177 |
| Noncurrent loans to loans | 0.2390% | 6,667 |
| Net loans and leases to total assets | 41.7524% | 7,600 |
| Net loans and leases to deposits | 47.7545% | 7,717 |
| Net loans and leases to core deposits | 61.3490% | 7,528 |
| Total domestic deposits to total assets | 87.4314% | 1,735 |
| Equity capital to assets | 12.4231% | 2,052 |
| Core capital (leverage) ratio | 11.1519% | 2,462 |
| Tier 1 risk-based capital ratio | 20.7735% | 1,490 |
| Total risk-based capital ratio | 21.5335% | 1,539 |
| Memoranda: | ||
| Average total assets | $253,322,000 | 2,530 |
| Average earning assets | $223,028,800 | 2,624 |
| Average equity | $31,156,000 | 2,161 |
| Average total loans | $113,632,200 | 3,592 |