Home > Castle Rock Bank > Performance and Condition Ratios
Castle Rock Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2557% | 4,465 |
| Cost of funding earning assets | 1.1318% | 2,981 |
| Net interest margin | 2.1239% | 4,360 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.2789% | 4,447 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.7719% | 2,976 |
| Return on assets (ROA) | 0.7355% | 3,072 |
| Pretax return on assets | 0.7647% | 3,301 |
| Return on Equity (ROE) | 5.7800% | 3,570 |
| Retained earnings to average equity (ytd only) | 3.4851% | 3,128 |
| Net charge-offs to loans | 0.0448% | 1,443 |
| Credit loss provision to net charge-offs | 979.5918% | 423 |
| Earnings coverage of net charge-offs (x) | 54.7143% | 1,240 |
| Efficiency ratio | 56.6742% | 3,431 |
| Assets per employee ($millions) | 10.9457% | 531 |
| Cash dividends to net income (ytd only)* | 39.6629% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8022% | 144 |
| Loan loss allowance to noncurrent loans | 3,411.8280% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,410 |
| Noncurrent loans to loans | 0.0821% | 3,138 |
| Net loans and leases to total assets | 40.2200% | 4,033 |
| Net loans and leases to deposits | 46.5577% | 4,030 |
| Net loans and leases to core deposits | 59.0834% | 3,797 |
| Total domestic deposits to total assets | 86.3900% | 1,892 |
| Equity capital to assets | 13.1518% | 834 |
| Core capital (leverage) ratio | 13.3807% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7183% | 436 |
| Memoranda: | ||
| Average total assets | $274,224,000 | 2,554 |
| Average earning assets | $265,594,600 | 2,487 |
| Average equity | $34,919,800 | 2,054 |
| Average total loans | $109,330,800 | 3,072 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1886% | 4,489 |
| Cost of funding earning assets | 1.0165% | 2,990 |
| Net interest margin | 2.1721% | 4,367 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.1770% | 4,489 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 0.8421% | 2,890 |
| Return on assets (ROA) | 0.7931% | 3,041 |
| Pretax return on assets | 0.8179% | 3,295 |
| Return on Equity (ROE) | 6.2800% | 3,591 |
| Retained earnings to average equity (ytd only) | 3.2012% | 3,462 |
| Net charge-offs to loans | -0.0357% | 4,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.0094% | 3,672 |
| Assets per employee ($millions) | 11.0645% | 489 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8004% | 148 |
| Loan loss allowance to noncurrent loans | 3,403.2609% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0333% | 3,465 |
| Noncurrent loans to loans | 0.0823% | 3,176 |
| Net loans and leases to total assets | 39.2900% | 4,084 |
| Net loans and leases to deposits | 45.0669% | 4,077 |
| Net loans and leases to core deposits | 58.5214% | 3,764 |
| Total domestic deposits to total assets | 87.1700% | 1,835 |
| Equity capital to assets | 12.5573% | 902 |
| Core capital (leverage) ratio | 15.5673% | 552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5119% | 458 |
| Memoranda: | ||
| Average total assets | $274,369,250 | 2,562 |
| Average earning assets | $265,483,500 | 2,485 |
| Average equity | $34,652,500 | 2,060 |
| Average total loans | $108,355,250 | 3,081 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1151% | 4,523 |
| Cost of funding earning assets | 0.8824% | 2,979 |
| Net interest margin | 2.2327% | 4,397 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.2090% | 4,514 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.8654% | 2,874 |
| Return on assets (ROA) | 0.7909% | 3,118 |
| Pretax return on assets | 0.8070% | 3,385 |
| Return on Equity (ROE) | 6.2500% | 3,639 |
| Retained earnings to average equity (ytd only) | 2.4953% | 3,602 |
| Net charge-offs to loans | -0.0541% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.3204% | 3,662 |
| Assets per employee ($millions) | 10.8618% | 527 |
| Cash dividends to net income (ytd only)* | 60.0739% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7297% | 167 |
| Loan loss allowance to noncurrent loans | 1,447.5962% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 3,007 |
| Noncurrent loans to loans | 0.1886% | 2,524 |
| Net loans and leases to total assets | 39.5100% | 4,057 |
| Net loans and leases to deposits | 46.3055% | 4,034 |
| Net loans and leases to core deposits | 58.9980% | 3,680 |
| Total domestic deposits to total assets | 85.3300% | 2,449 |
| Equity capital to assets | 12.8232% | 857 |
| Core capital (leverage) ratio | 13.4940% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5371% | 458 |
| Memoranda: | ||
| Average total assets | $273,621,333 | 2,566 |
| Average earning assets | $264,520,000 | 2,500 |
| Average equity | $34,625,000 | 2,070 |
| Average total loans | $107,205,667 | 3,090 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0616% | 4,544 |
| Cost of funding earning assets | 0.6899% | 3,080 |
| Net interest margin | 2.3718% | 4,401 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 1.1578% | 4,587 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.0631% | 2,342 |
| Return on assets (ROA) | 1.0457% | 2,363 |
| Pretax return on assets | 1.0457% | 2,869 |
| Return on Equity (ROE) | 8.3200% | 3,219 |
| Retained earnings to average equity (ytd only) | 2.5256% | 3,598 |
| Net charge-offs to loans | -0.0795% | 4,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.3283% | 4,065 |
| Assets per employee ($millions) | 10.7580% | 555 |
| Cash dividends to net income (ytd only)* | 69.6379% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7275% | 168 |
| Loan loss allowance to noncurrent loans | 895.3416% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 2,676 |
| Noncurrent loans to loans | 0.3046% | 2,057 |
| Net loans and leases to total assets | 38.2300% | 4,106 |
| Net loans and leases to deposits | 44.2312% | 4,090 |
| Net loans and leases to core deposits | 50.2974% | 3,987 |
| Total domestic deposits to total assets | 86.4300% | 2,462 |
| Equity capital to assets | 12.9295% | 770 |
| Core capital (leverage) ratio | 13.1629% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9719% | 444 |
| Memoranda: | ||
| Average total assets | $274,659,000 | 2,589 |
| Average earning assets | $266,131,500 | 2,527 |
| Average equity | $34,527,000 | 2,093 |
| Average total loans | $105,655,500 | 3,139 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6651% | 4,427 |
| Cost of funding earning assets | 0.5044% | 1,355 |
| Net interest margin | 2.1607% | 4,494 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.1131% | 4,625 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.8565% | 3,127 |
| Return on assets (ROA) | 0.8565% | 3,063 |
| Pretax return on assets | 0.9085% | 3,333 |
| Return on Equity (ROE) | 6.9900% | 3,642 |
| Retained earnings to average equity (ytd only) | 4.2256% | 3,320 |
| Net charge-offs to loans | 0.4547% | 167 |
| Credit loss provision to net charge-offs | 128.3186% | 1,417 |
| Earnings coverage of net charge-offs (x) | 6.8053% | 2,326 |
| Efficiency ratio | 49.8533% | 4,137 |
| Assets per employee ($millions) | 11.2147% | 478 |
| Cash dividends to net income (ytd only)* | 39.5240% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5963% | 194 |
| Loan loss allowance to noncurrent loans | 1,046.5649% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 2,897 |
| Noncurrent loans to loans | 0.2481% | 2,282 |
| Net loans and leases to total assets | 36.6900% | 4,186 |
| Net loans and leases to deposits | 42.6067% | 4,158 |
| Net loans and leases to core deposits | 48.5119% | 4,041 |
| Total domestic deposits to total assets | 86.1100% | 2,693 |
| Equity capital to assets | 12.2268% | 875 |
| Core capital (leverage) ratio | 12.6898% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1153% | 470 |
| Memoranda: | ||
| Average total assets | $274,738,400 | 2,575 |
| Average earning assets | $264,868,000 | 2,524 |
| Average equity | $33,675,400 | 2,171 |
| Average total loans | $99,397,600 | 3,162 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6044% | 4,389 |
| Cost of funding earning assets | 0.4860% | 809 |
| Net interest margin | 2.1184% | 4,505 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.0502% | 4,660 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.9346% | 2,742 |
| Return on assets (ROA) | 0.9346% | 2,705 |
| Pretax return on assets | 0.9653% | 3,125 |
| Return on Equity (ROE) | 7.6200% | 3,426 |
| Retained earnings to average equity (ytd only) | 4.6373% | 3,224 |
| Net charge-offs to loans | -0.1649% | 4,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.9297% | 4,277 |
| Assets per employee ($millions) | 11.8020% | 407 |
| Cash dividends to net income (ytd only)* | 39.1441% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0303% | 130 |
| Loan loss allowance to noncurrent loans | 891.9308% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,128 |
| Noncurrent loans to loans | 0.3397% | 2,013 |
| Net loans and leases to total assets | 34.9700% | 4,273 |
| Net loans and leases to deposits | 39.6715% | 4,247 |
| Net loans and leases to core deposits | 47.2634% | 4,054 |
| Total domestic deposits to total assets | 88.1400% | 2,383 |
| Equity capital to assets | 11.7734% | 927 |
| Core capital (leverage) ratio | 12.7336% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2053% | 479 |
| Memoranda: | ||
| Average total assets | $273,331,250 | 2,605 |
| Average earning assets | $263,341,000 | 2,550 |
| Average equity | $33,524,250 | 2,208 |
| Average total loans | $97,844,500 | 3,193 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5041% | 4,367 |
| Cost of funding earning assets | 0.4697% | 625 |
| Net interest margin | 2.0344% | 4,540 |
| Noninterest income to average assets | 0.1518% | 4,254 |
| Noninterest expense to average assets | 1.0014% | 4,696 |
| Loan and lease loss provision to assets | 0.1778% | 495 |
| Net operating income to assets | 0.9095% | 2,540 |
| Return on assets (ROA) | 0.9095% | 2,509 |
| Pretax return on assets | 0.9392% | 2,930 |
| Return on Equity (ROE) | 7.3132% | 3,214 |
| Retained earnings to average equity (ytd only) | 3.7400% | 3,186 |
| Net charge-offs to loans | -0.2717% | 4,636 |
| Credit loss provision to net charge-offs | -183.2061% | 3,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2727% | 4,387 |
| Assets per employee ($millions) | 11.4099% | 447 |
| Cash dividends to net income (ytd only)* | 48.8599% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9286% | 150 |
| Loan loss allowance to noncurrent loans | 1,121.8045% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 2,334 |
| Noncurrent loans to loans | 0.2611% | 2,436 |
| Net loans and leases to total assets | 36.1197% | 4,244 |
| Net loans and leases to deposits | 41.1603% | 4,222 |
| Net loans and leases to core deposits | 48.8066% | 3,990 |
| Total domestic deposits to total assets | 87.7537% | 2,672 |
| Equity capital to assets | 12.1788% | 823 |
| Core capital (leverage) ratio | 13.0569% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1881% | 468 |
| Memoranda: | ||
| Average total assets | $270,025,333 | 2,648 |
| Average earning assets | $261,013,667 | 2,595 |
| Average equity | $33,583,000 | 2,253 |
| Average total loans | $96,414,000 | 3,238 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4858% | 4,283 |
| Cost of funding earning assets | 0.4651% | 596 |
| Net interest margin | 2.0207% | 4,501 |
| Noninterest income to average assets | 0.1462% | 4,283 |
| Noninterest expense to average assets | 1.0249% | 4,712 |
| Loan and lease loss provision to assets | 0.1790% | 426 |
| Net operating income to assets | 0.8742% | 2,391 |
| Return on assets (ROA) | 0.8742% | 2,384 |
| Pretax return on assets | 0.8996% | 2,778 |
| Return on Equity (ROE) | 6.9556% | 3,049 |
| Retained earnings to average equity (ytd only) | 1.3175% | 3,744 |
| Net charge-offs to loans | -0.5423% | 4,715 |
| Credit loss provision to net charge-offs | -94.4882% | 2,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7234% | 4,365 |
| Assets per employee ($millions) | 11.0321% | 504 |
| Cash dividends to net income (ytd only)* | 81.0580% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0424% | 154 |
| Loan loss allowance to noncurrent loans | 2,014.7887% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 2,686 |
| Noncurrent loans to loans | 0.1510% | 3,050 |
| Net loans and leases to total assets | 34.4363% | 4,290 |
| Net loans and leases to deposits | 39.4189% | 4,269 |
| Net loans and leases to core deposits | 42.7688% | 4,210 |
| Total domestic deposits to total assets | 87.3600% | 2,795 |
| Equity capital to assets | 12.5252% | 798 |
| Core capital (leverage) ratio | 12.8568% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8226% | 445 |
| Memoranda: | ||
| Average total assets | $268,119,500 | 2,675 |
| Average earning assets | $259,716,000 | 2,611 |
| Average equity | $33,699,500 | 2,297 |
| Average total loans | $93,674,500 | 3,278 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8556% | 4,127 |
| Cost of funding earning assets | 0.5663% | 646 |
| Net interest margin | 2.2894% | 4,422 |
| Noninterest income to average assets | 0.1415% | 4,445 |
| Noninterest expense to average assets | 1.1579% | 4,727 |
| Loan and lease loss provision to assets | 0.1892% | 588 |
| Net operating income to assets | 0.9840% | 2,740 |
| Return on assets (ROA) | 0.9829% | 2,810 |
| Pretax return on assets | 1.0192% | 3,205 |
| Return on Equity (ROE) | 7.4434% | 3,394 |
| Retained earnings to average equity (ytd only) | 4.4589% | 3,027 |
| Net charge-offs to loans | 0.2903% | 301 |
| Credit loss provision to net charge-offs | 173.9130% | 1,394 |
| Earnings coverage of net charge-offs (x) | 11.1196% | 2,172 |
| Efficiency ratio | 48.9096% | 4,356 |
| Assets per employee ($millions) | 11.3112% | 468 |
| Cash dividends to net income (ytd only)* | 40.0962% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8014% | 189 |
| Loan loss allowance to noncurrent loans | 2,026.3566% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,887 |
| Noncurrent loans to loans | 0.1382% | 3,238 |
| Net loans and leases to total assets | 33.4097% | 4,397 |
| Net loans and leases to deposits | 38.2542% | 4,386 |
| Net loans and leases to core deposits | 41.4094% | 4,357 |
| Total domestic deposits to total assets | 87.3359% | 2,369 |
| Equity capital to assets | 12.6114% | 1,028 |
| Core capital (leverage) ratio | 12.6813% | 877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5593% | 461 |
| Memoranda: | ||
| Average total assets | $253,736,800 | 2,699 |
| Average earning assets | $246,706,000 | 2,638 |
| Average equity | $33,506,000 | 2,359 |
| Average total loans | $95,090,400 | 3,260 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9190% | 4,135 |
| Cost of funding earning assets | 0.5875% | 679 |
| Net interest margin | 2.3315% | 4,461 |
| Noninterest income to average assets | 0.1439% | 4,478 |
| Noninterest expense to average assets | 1.1809% | 4,792 |
| Loan and lease loss provision to assets | 0.1925% | 545 |
| Net operating income to assets | 1.0188% | 2,836 |
| Return on assets (ROA) | 1.0172% | 2,907 |
| Pretax return on assets | 1.0397% | 3,351 |
| Return on Equity (ROE) | 7.6101% | 3,504 |
| Retained earnings to average equity (ytd only) | 4.4092% | 3,445 |
| Net charge-offs to loans | -0.0768% | 4,519 |
| Credit loss provision to net charge-offs | -654.5455% | 3,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9037% | 4,303 |
| Assets per employee ($millions) | 11.1748% | 458 |
| Cash dividends to net income (ytd only)* | 42.0610% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9234% | 168 |
| Loan loss allowance to noncurrent loans | 274.2718% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4884% | 1,562 |
| Noncurrent loans to loans | 1.0659% | 1,064 |
| Net loans and leases to total assets | 34.9778% | 4,432 |
| Net loans and leases to deposits | 40.0503% | 4,447 |
| Net loans and leases to core deposits | 43.1778% | 4,408 |
| Total domestic deposits to total assets | 87.3346% | 2,194 |
| Equity capital to assets | 12.5636% | 1,148 |
| Core capital (leverage) ratio | 12.9069% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1838% | 475 |
| Memoranda: | ||
| Average total assets | $249,303,750 | 2,751 |
| Average earning assets | $242,813,000 | 2,679 |
| Average equity | $33,323,500 | 2,396 |
| Average total loans | $95,535,250 | 3,297 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0778% | 3,910 |
| Cost of funding earning assets | 0.6052% | 728 |
| Net interest margin | 2.4726% | 4,342 |
| Noninterest income to average assets | 0.1449% | 4,473 |
| Noninterest expense to average assets | 1.1605% | 4,835 |
| Loan and lease loss provision to assets | 0.1975% | 565 |
| Net operating income to assets | 1.1860% | 2,242 |
| Return on assets (ROA) | 1.1835% | 2,314 |
| Pretax return on assets | 1.1852% | 2,952 |
| Return on Equity (ROE) | 8.6627% | 3,207 |
| Retained earnings to average equity (ytd only) | 5.0482% | 3,164 |
| Net charge-offs to loans | -0.1471% | 4,724 |
| Credit loss provision to net charge-offs | -342.8571% | 3,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5868% | 4,535 |
| Assets per employee ($millions) | 9.8189% | 646 |
| Cash dividends to net income (ytd only)* | 41.7246% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7838% | 193 |
| Loan loss allowance to noncurrent loans | 201.1834% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 1,513 |
| Noncurrent loans to loans | 1.3837% | 844 |
| Net loans and leases to total assets | 38.6957% | 4,357 |
| Net loans and leases to deposits | 44.8958% | 4,355 |
| Net loans and leases to core deposits | 48.6484% | 4,295 |
| Total domestic deposits to total assets | 86.1899% | 2,671 |
| Equity capital to assets | 13.7168% | 771 |
| Core capital (leverage) ratio | 13.5954% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6799% | 348 |
| Memoranda: | ||
| Average total assets | $243,006,333 | 2,790 |
| Average earning assets | $235,944,667 | 2,715 |
| Average equity | $33,199,667 | 2,393 |
| Average total loans | $95,169,000 | 3,320 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1479% | 3,786 |
| Cost of funding earning assets | 0.6153% | 820 |
| Net interest margin | 2.5326% | 4,257 |
| Noninterest income to average assets | 0.1423% | 4,493 |
| Noninterest expense to average assets | 1.1978% | 4,858 |
| Loan and lease loss provision to assets | 0.1985% | 615 |
| Net operating income to assets | 1.2011% | 2,142 |
| Return on assets (ROA) | 1.2011% | 2,220 |
| Pretax return on assets | 1.2044% | 2,837 |
| Return on Equity (ROE) | 8.8096% | 3,101 |
| Retained earnings to average equity (ytd only) | 2.7424% | 3,859 |
| Net charge-offs to loans | -0.1065% | 4,653 |
| Credit loss provision to net charge-offs | -480.0000% | 3,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0560% | 4,469 |
| Assets per employee ($millions) | 9.8466% | 623 |
| Cash dividends to net income (ytd only)* | 68.8705% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7137% | 199 |
| Loan loss allowance to noncurrent loans | 204.8917% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 1,872 |
| Noncurrent loans to loans | 1.3245% | 981 |
| Net loans and leases to total assets | 37.2096% | 4,445 |
| Net loans and leases to deposits | 43.0441% | 4,460 |
| Net loans and leases to core deposits | 46.6893% | 4,414 |
| Total domestic deposits to total assets | 86.4453% | 2,553 |
| Equity capital to assets | 13.4292% | 801 |
| Core capital (leverage) ratio | 13.7412% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6145% | 336 |
| Memoranda: | ||
| Average total assets | $241,773,500 | 2,784 |
| Average earning assets | $234,695,500 | 2,706 |
| Average equity | $32,964,000 | 2,398 |
| Average total loans | $93,900,000 | 3,350 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 4,160 |
| Cost of funding earning assets | 0.7937% | 1,238 |
| Net interest margin | 2.6346% | 4,454 |
| Noninterest income to average assets | 0.1405% | 4,590 |
| Noninterest expense to average assets | 1.3138% | 4,868 |
| Loan and lease loss provision to assets | 0.2189% | 1,789 |
| Net operating income to assets | 1.1606% | 1,684 |
| Return on assets (ROA) | 1.1606% | 1,803 |
| Pretax return on assets | 1.1615% | 2,469 |
| Return on Equity (ROE) | 7.9282% | 2,847 |
| Retained earnings to average equity (ytd only) | 4.1900% | 2,717 |
| Net charge-offs to loans | 0.3499% | 499 |
| Credit loss provision to net charge-offs | 142.0118% | 2,472 |
| Earnings coverage of net charge-offs (x) | 8.9556% | 2,556 |
| Efficiency ratio | 48.7644% | 4,597 |
| Assets per employee ($millions) | 9.4953% | 625 |
| Cash dividends to net income (ytd only)* | 47.1513% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5735% | 239 |
| Loan loss allowance to noncurrent loans | 199.3383% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 2,032 |
| Noncurrent loans to loans | 1.2910% | 1,061 |
| Net loans and leases to total assets | 38.4351% | 4,502 |
| Net loans and leases to deposits | 44.6536% | 4,506 |
| Net loans and leases to core deposits | 48.5947% | 4,473 |
| Total domestic deposits to total assets | 86.0739% | 2,332 |
| Equity capital to assets | 13.8469% | 835 |
| Core capital (leverage) ratio | 13.7587% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9548% | 265 |
| Memoranda: | ||
| Average total assets | $219,287,200 | 2,798 |
| Average earning assets | $212,558,800 | 2,728 |
| Average equity | $32,100,600 | 2,385 |
| Average total loans | $96,585,600 | 3,286 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5650% | 4,094 |
| Cost of funding earning assets | 0.8159% | 1,414 |
| Net interest margin | 2.7491% | 4,400 |
| Noninterest income to average assets | 0.1434% | 4,587 |
| Noninterest expense to average assets | 1.3124% | 4,904 |
| Loan and lease loss provision to assets | 0.2235% | 1,813 |
| Net operating income to assets | 1.2733% | 1,416 |
| Return on assets (ROA) | 1.2733% | 1,525 |
| Pretax return on assets | 1.2745% | 2,141 |
| Return on Equity (ROE) | 8.5702% | 2,575 |
| Retained earnings to average equity (ytd only) | 4.1409% | 2,970 |
| Net charge-offs to loans | 0.1891% | 793 |
| Credit loss provision to net charge-offs | 260.8696% | 1,892 |
| Earnings coverage of net charge-offs (x) | 17.4855% | 2,013 |
| Efficiency ratio | 46.6976% | 4,679 |
| Assets per employee ($millions) | 9.1687% | 663 |
| Cash dividends to net income (ytd only)* | 51.6821% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5007% | 229 |
| Loan loss allowance to noncurrent loans | 226.1580% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 2,282 |
| Noncurrent loans to loans | 1.1057% | 1,366 |
| Net loans and leases to total assets | 42.3536% | 4,488 |
| Net loans and leases to deposits | 49.4194% | 4,506 |
| Net loans and leases to core deposits | 53.7880% | 4,460 |
| Total domestic deposits to total assets | 85.7023% | 2,177 |
| Equity capital to assets | 14.1856% | 809 |
| Core capital (leverage) ratio | 14.1998% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3240% | 299 |
| Memoranda: | ||
| Average total assets | $214,763,500 | 2,815 |
| Average earning assets | $208,354,000 | 2,742 |
| Average equity | $31,908,250 | 2,382 |
| Average total loans | $97,320,000 | 3,282 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,024 |
| Cost of funding earning assets | 0.8393% | 1,634 |
| Net interest margin | 2.8901% | 4,325 |
| Noninterest income to average assets | 0.1524% | 4,533 |
| Noninterest expense to average assets | 1.3289% | 4,934 |
| Loan and lease loss provision to assets | 0.2286% | 1,836 |
| Net operating income to assets | 1.3975% | 1,119 |
| Return on assets (ROA) | 1.3975% | 1,211 |
| Pretax return on assets | 1.3994% | 1,730 |
| Return on Equity (ROE) | 9.2539% | 2,263 |
| Retained earnings to average equity (ytd only) | 3.7028% | 3,064 |
| Net charge-offs to loans | 0.0476% | 1,803 |
| Credit loss provision to net charge-offs | 1,043.4783% | 767 |
| Earnings coverage of net charge-offs (x) | 74.3043% | 847 |
| Efficiency ratio | 44.9420% | 4,777 |
| Assets per employee ($millions) | 8.9837% | 681 |
| Cash dividends to net income (ytd only)* | 59.9864% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4702% | 234 |
| Loan loss allowance to noncurrent loans | 174.7013% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 1,921 |
| Noncurrent loans to loans | 1.4140% | 1,093 |
| Net loans and leases to total assets | 43.7022% | 4,467 |
| Net loans and leases to deposits | 51.1179% | 4,480 |
| Net loans and leases to core deposits | 56.1125% | 4,428 |
| Total domestic deposits to total assets | 85.4929% | 2,204 |
| Equity capital to assets | 14.2947% | 781 |
| Core capital (leverage) ratio | 14.9814% | 577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9933% | 307 |
| Memoranda: | ||
| Average total assets | $209,945,333 | 2,824 |
| Average earning assets | $203,732,667 | 2,751 |
| Average equity | $31,705,667 | 2,375 |
| Average total loans | $96,569,333 | 3,293 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 4,507 |
| Cost of funding earning assets | 0.8784% | 1,976 |
| Net interest margin | 2.7327% | 4,636 |
| Noninterest income to average assets | 0.2073% | 4,307 |
| Noninterest expense to average assets | 1.4115% | 4,960 |
| Loan and lease loss provision to assets | 0.2369% | 1,312 |
| Net operating income to assets | 1.2082% | 1,490 |
| Return on assets (ROA) | 1.2082% | 1,602 |
| Pretax return on assets | 1.2121% | 2,149 |
| Return on Equity (ROE) | 7.7699% | 2,606 |
| Retained earnings to average equity (ytd only) | -1.1172% | 4,158 |
| Net charge-offs to loans | -0.1269% | 4,867 |
| Credit loss provision to net charge-offs | -400.0000% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3444% | 4,699 |
| Assets per employee ($millions) | 8.0805% | 719 |
| Cash dividends to net income (ytd only)* | 114.3791% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5480% | 227 |
| Loan loss allowance to noncurrent loans | 183.8146% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6514% | 2,047 |
| Noncurrent loans to loans | 1.3862% | 1,155 |
| Net loans and leases to total assets | 45.7988% | 4,432 |
| Net loans and leases to deposits | 54.5912% | 4,417 |
| Net loans and leases to core deposits | 60.6849% | 4,327 |
| Total domestic deposits to total assets | 83.8940% | 2,821 |
| Equity capital to assets | 15.6486% | 646 |
| Core capital (leverage) ratio | 15.5473% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7658% | 290 |
| Memoranda: | ||
| Average total assets | $202,621,500 | 2,846 |
| Average earning assets | $196,730,000 | 2,765 |
| Average equity | $31,506,000 | 2,378 |
| Average total loans | $94,535,000 | 3,310 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 4,642 |
| Cost of funding earning assets | 0.8513% | 2,423 |
| Net interest margin | 2.8841% | 4,673 |
| Noninterest income to average assets | 0.2040% | 4,442 |
| Noninterest expense to average assets | 1.3248% | 5,065 |
| Loan and lease loss provision to assets | 0.2388% | 793 |
| Net operating income to assets | 1.4373% | 1,226 |
| Return on assets (ROA) | 1.4258% | 1,324 |
| Pretax return on assets | 1.4268% | 2,060 |
| Return on Equity (ROE) | 9.4031% | 2,568 |
| Retained earnings to average equity (ytd only) | 4.6786% | 2,597 |
| Net charge-offs to loans | 0.2885% | 728 |
| Credit loss provision to net charge-offs | 172.6619% | 1,503 |
| Earnings coverage of net charge-offs (x) | 12.1259% | 2,432 |
| Efficiency ratio | 44.1332% | 4,969 |
| Assets per employee ($millions) | 8.1292% | 678 |
| Cash dividends to net income (ytd only)* | 50.2442% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4104% | 244 |
| Loan loss allowance to noncurrent loans | 232.4795% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 2,492 |
| Noncurrent loans to loans | 1.0368% | 1,459 |
| Net loans and leases to total assets | 45.2013% | 4,551 |
| Net loans and leases to deposits | 54.8993% | 4,503 |
| Net loans and leases to core deposits | 61.0856% | 4,385 |
| Total domestic deposits to total assets | 82.3349% | 3,412 |
| Equity capital to assets | 15.4504% | 697 |
| Core capital (leverage) ratio | 15.5384% | 587 |
| Tier 1 risk-based capital ratio | 28.6098% | 532 |
| Total risk-based capital ratio | 29.8695% | 520 |
| Memoranda: | ||
| Average total assets | $201,004,000 | 2,832 |
| Average earning assets | $195,000,400 | 2,750 |
| Average equity | $30,479,200 | 2,365 |
| Average total loans | $96,350,800 | 3,275 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 4,733 |
| Cost of funding earning assets | 0.8491% | 2,470 |
| Net interest margin | 2.8974% | 4,758 |
| Noninterest income to average assets | 0.1936% | 4,563 |
| Noninterest expense to average assets | 1.3064% | 5,142 |
| Loan and lease loss provision to assets | 0.2395% | 696 |
| Net operating income to assets | 1.4540% | 1,322 |
| Return on assets (ROA) | 1.4387% | 1,412 |
| Pretax return on assets | 1.4401% | 2,154 |
| Return on Equity (ROE) | 9.5340% | 2,654 |
| Retained earnings to average equity (ytd only) | 4.2447% | 3,273 |
| Net charge-offs to loans | 0.0867% | 1,613 |
| Credit loss provision to net charge-offs | 571.4286% | 564 |
| Earnings coverage of net charge-offs (x) | 40.4435% | 1,372 |
| Efficiency ratio | 43.5284% | 5,032 |
| Assets per employee ($millions) | 8.0993% | 669 |
| Cash dividends to net income (ytd only)* | 55.4785% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4692% | 229 |
| Loan loss allowance to noncurrent loans | 207.6450% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,321 |
| Noncurrent loans to loans | 1.1891% | 1,317 |
| Net loans and leases to total assets | 46.0964% | 4,592 |
| Net loans and leases to deposits | 54.5352% | 4,605 |
| Net loans and leases to core deposits | 61.0062% | 4,496 |
| Total domestic deposits to total assets | 84.5260% | 2,616 |
| Equity capital to assets | 15.2690% | 776 |
| Core capital (leverage) ratio | 15.5036% | 641 |
| Tier 1 risk-based capital ratio | 28.0487% | 575 |
| Total risk-based capital ratio | 29.3094% | 553 |
| Memoranda: | ||
| Average total assets | $200,447,250 | 2,855 |
| Average earning assets | $194,237,500 | 2,777 |
| Average equity | $30,249,000 | 2,389 |
| Average total loans | $96,905,500 | 3,307 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 4,829 |
| Cost of funding earning assets | 0.8397% | 2,451 |
| Net interest margin | 2.8609% | 4,861 |
| Noninterest income to average assets | 0.1982% | 4,571 |
| Noninterest expense to average assets | 1.2865% | 5,209 |
| Loan and lease loss provision to assets | 0.2403% | 650 |
| Net operating income to assets | 1.4427% | 1,318 |
| Return on assets (ROA) | 1.4196% | 1,432 |
| Pretax return on assets | 1.4216% | 2,140 |
| Return on Equity (ROE) | 9.4450% | 2,662 |
| Retained earnings to average equity (ytd only) | 2.7842% | 3,817 |
| Net charge-offs to loans | 0.1665% | 963 |
| Credit loss provision to net charge-offs | 296.2963% | 913 |
| Earnings coverage of net charge-offs (x) | 20.7778% | 1,758 |
| Efficiency ratio | 43.2951% | 5,087 |
| Assets per employee ($millions) | 7.8666% | 704 |
| Cash dividends to net income (ytd only)* | 70.5219% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2389% | 319 |
| Loan loss allowance to noncurrent loans | 204.5998% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 2,353 |
| Noncurrent loans to loans | 1.0943% | 1,498 |
| Net loans and leases to total assets | 49.3776% | 4,501 |
| Net loans and leases to deposits | 59.7263% | 4,444 |
| Net loans and leases to core deposits | 66.4743% | 4,293 |
| Total domestic deposits to total assets | 82.6732% | 3,315 |
| Equity capital to assets | 15.4536% | 718 |
| Core capital (leverage) ratio | 15.5720% | 610 |
| Tier 1 risk-based capital ratio | 27.1871% | 606 |
| Total risk-based capital ratio | 28.4462% | 595 |
| Memoranda: | ||
| Average total assets | $199,769,000 | 2,873 |
| Average earning assets | $193,644,000 | 2,791 |
| Average equity | $30,026,330 | 2,397 |
| Average total loans | $97,307,330 | 3,322 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 4,913 |
| Cost of funding earning assets | 0.8212% | 2,419 |
| Net interest margin | 2.8232% | 4,969 |
| Noninterest income to average assets | 0.2285% | 4,370 |
| Noninterest expense to average assets | 1.2815% | 5,262 |
| Loan and lease loss provision to assets | 0.2384% | 628 |
| Net operating income to assets | 1.4504% | 1,231 |
| Return on assets (ROA) | 1.4345% | 1,310 |
| Pretax return on assets | 1.4385% | 1,966 |
| Return on Equity (ROE) | 9.6771% | 2,504 |
| Retained earnings to average equity (ytd only) | 1.6352% | 4,156 |
| Net charge-offs to loans | -0.0582% | 4,873 |
| Credit loss provision to net charge-offs | -857.1429% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0862% | 5,129 |
| Assets per employee ($millions) | 7.8661% | 703 |
| Cash dividends to net income (ytd only)* | 83.1025% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2557% | 329 |
| Loan loss allowance to noncurrent loans | 136.7309% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 1,733 |
| Noncurrent loans to loans | 1.6497% | 951 |
| Net loans and leases to total assets | 48.4775% | 4,557 |
| Net loans and leases to deposits | 57.3964% | 4,529 |
| Net loans and leases to core deposits | 63.8150% | 4,390 |
| Total domestic deposits to total assets | 84.4609% | 2,863 |
| Equity capital to assets | 15.2111% | 710 |
| Core capital (leverage) ratio | 15.1930% | 660 |
| Tier 1 risk-based capital ratio | 27.1391% | 605 |
| Total risk-based capital ratio | 28.3975% | 595 |
| Memoranda: | ||
| Average total assets | $201,320,500 | 2,893 |
| Average earning assets | $195,806,500 | 2,799 |
| Average equity | $29,843,500 | 2,415 |
| Average total loans | $96,294,500 | 3,378 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 4,816 |
| Cost of funding earning assets | 0.7716% | 1,681 |
| Net interest margin | 2.8127% | 5,011 |
| Noninterest income to average assets | 0.2377% | 4,497 |
| Noninterest expense to average assets | 1.3512% | 5,283 |
| Loan and lease loss provision to assets | 0.2397% | 736 |
| Net operating income to assets | 1.3741% | 1,519 |
| Return on assets (ROA) | 1.3696% | 1,523 |
| Pretax return on assets | 1.3706% | 2,233 |
| Return on Equity (ROE) | 9.5663% | 2,712 |
| Retained earnings to average equity (ytd only) | 6.2183% | 2,082 |
| Net charge-offs to loans | 0.3410% | 558 |
| Credit loss provision to net charge-offs | 151.4196% | 1,818 |
| Earnings coverage of net charge-offs (x) | 10.2019% | 2,747 |
| Efficiency ratio | 45.5556% | 5,132 |
| Assets per employee ($millions) | 8.2396% | 609 |
| Cash dividends to net income (ytd only)* | 34.9982% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1734% | 348 |
| Loan loss allowance to noncurrent loans | 332.1543% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 3,364 |
| Noncurrent loans to loans | 0.6543% | 2,358 |
| Net loans and leases to total assets | 45.1437% | 4,775 |
| Net loans and leases to deposits | 55.0174% | 4,707 |
| Net loans and leases to core deposits | 60.7904% | 4,595 |
| Total domestic deposits to total assets | 82.0534% | 3,628 |
| Equity capital to assets | 14.4542% | 852 |
| Core capital (leverage) ratio | 14.7937% | 733 |
| Tier 1 risk-based capital ratio | 26.9206% | 617 |
| Total risk-based capital ratio | 28.1776% | 611 |
| Memoranda: | ||
| Average total assets | $200,273,800 | 2,866 |
| Average earning assets | $194,259,400 | 2,775 |
| Average equity | $28,673,600 | 2,419 |
| Average total loans | $92,954,400 | 3,425 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5722% | 4,847 |
| Cost of funding earning assets | 0.7658% | 1,505 |
| Net interest margin | 2.8064% | 5,076 |
| Noninterest income to average assets | 0.2407% | 4,533 |
| Noninterest expense to average assets | 1.3531% | 5,347 |
| Loan and lease loss provision to assets | 0.2414% | 658 |
| Net operating income to assets | 1.3652% | 1,604 |
| Return on assets (ROA) | 1.3591% | 1,629 |
| Pretax return on assets | 1.3605% | 2,377 |
| Return on Equity (ROE) | 9.5167% | 2,837 |
| Retained earnings to average equity (ytd only) | 6.1363% | 2,587 |
| Net charge-offs to loans | 0.2943% | 566 |
| Credit loss provision to net charge-offs | 176.4706% | 1,522 |
| Earnings coverage of net charge-offs (x) | 11.7550% | 2,494 |
| Efficiency ratio | 45.6975% | 5,158 |
| Assets per employee ($millions) | 8.0513% | 639 |
| Cash dividends to net income (ytd only)* | 35.5206% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2036% | 362 |
| Loan loss allowance to noncurrent loans | 190.2124% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 2,576 |
| Noncurrent loans to loans | 1.1585% | 1,459 |
| Net loans and leases to total assets | 45.4201% | 4,824 |
| Net loans and leases to deposits | 53.1375% | 4,850 |
| Net loans and leases to core deposits | 58.5778% | 4,754 |
| Total domestic deposits to total assets | 85.4767% | 2,411 |
| Equity capital to assets | 14.3842% | 857 |
| Core capital (leverage) ratio | 14.6962% | 778 |
| Tier 1 risk-based capital ratio | 26.9795% | 629 |
| Total risk-based capital ratio | 28.2367% | 620 |
| Memoranda: | ||
| Average total assets | $198,845,000 | 2,900 |
| Average earning assets | $192,743,250 | 2,810 |
| Average equity | $28,398,500 | 2,440 |
| Average total loans | $92,428,750 | 3,458 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 4,817 |
| Cost of funding earning assets | 0.7533% | 1,355 |
| Net interest margin | 2.8151% | 5,102 |
| Noninterest income to average assets | 0.2484% | 4,519 |
| Noninterest expense to average assets | 1.3402% | 5,417 |
| Loan and lease loss provision to assets | 0.2424% | 642 |
| Net operating income to assets | 1.3887% | 1,481 |
| Return on assets (ROA) | 1.3806% | 1,506 |
| Pretax return on assets | 1.3826% | 2,209 |
| Return on Equity (ROE) | 9.6903% | 2,719 |
| Retained earnings to average equity (ytd only) | 6.2877% | 2,426 |
| Net charge-offs to loans | -0.0500% | 4,923 |
| Credit loss provision to net charge-offs | -1,043.4783% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0747% | 5,252 |
| Assets per employee ($millions) | 7.8360% | 667 |
| Cash dividends to net income (ytd only)* | 35.1134% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2804% | 327 |
| Loan loss allowance to noncurrent loans | 198.3516% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 2,559 |
| Noncurrent loans to loans | 1.1497% | 1,519 |
| Net loans and leases to total assets | 47.3805% | 4,752 |
| Net loans and leases to deposits | 55.7737% | 4,763 |
| Net loans and leases to core deposits | 61.2579% | 4,644 |
| Total domestic deposits to total assets | 84.9514% | 2,695 |
| Equity capital to assets | 14.5988% | 783 |
| Core capital (leverage) ratio | 14.8278% | 710 |
| Tier 1 risk-based capital ratio | 26.2035% | 659 |
| Total risk-based capital ratio | 27.4619% | 640 |
| Memoranda: | ||
| Average total assets | $198,032,330 | 2,919 |
| Average earning assets | $191,682,000 | 2,836 |
| Average equity | $28,213,670 | 2,460 |
| Average total loans | $92,077,330 | 3,480 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4776% | 4,917 |
| Cost of funding earning assets | 0.7323% | 1,272 |
| Net interest margin | 2.7453% | 5,216 |
| Noninterest income to average assets | 0.2190% | 4,694 |
| Noninterest expense to average assets | 1.2737% | 5,504 |
| Loan and lease loss provision to assets | 0.2411% | 634 |
| Net operating income to assets | 1.3662% | 1,434 |
| Return on assets (ROA) | 1.3662% | 1,448 |
| Pretax return on assets | 1.3702% | 2,103 |
| Return on Equity (ROE) | 9.7070% | 2,582 |
| Retained earnings to average equity (ytd only) | 6.2810% | 2,593 |
| Net charge-offs to loans | -0.0044% | 3,965 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1504% | 5,341 |
| Assets per employee ($millions) | 7.8751% | 648 |
| Cash dividends to net income (ytd only)* | 35.2941% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2001% | 386 |
| Loan loss allowance to noncurrent loans | 152.2950% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7919% | 1,994 |
| Noncurrent loans to loans | 1.4446% | 1,227 |
| Net loans and leases to total assets | 45.7001% | 4,810 |
| Net loans and leases to deposits | 53.4634% | 4,822 |
| Net loans and leases to core deposits | 58.0565% | 4,748 |
| Total domestic deposits to total assets | 85.4793% | 2,762 |
| Equity capital to assets | 14.3105% | 815 |
| Core capital (leverage) ratio | 14.4493% | 777 |
| Tier 1 risk-based capital ratio | 26.4705% | 653 |
| Total risk-based capital ratio | 27.7273% | 640 |
| Memoranda: | ||
| Average total assets | $199,099,000 | 2,941 |
| Average earning assets | $193,352,000 | 2,848 |
| Average equity | $28,021,000 | 2,491 |
| Average total loans | $90,624,000 | 3,529 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4416% | 4,877 |
| Cost of funding earning assets | 0.6956% | 1,051 |
| Net interest margin | 2.7461% | 5,228 |
| Noninterest income to average assets | 0.2215% | 4,824 |
| Noninterest expense to average assets | 1.3576% | 5,541 |
| Loan and lease loss provision to assets | 0.3003% | 573 |
| Net operating income to assets | 1.2168% | 1,461 |
| Return on assets (ROA) | 1.2168% | 1,489 |
| Pretax return on assets | 1.2183% | 2,697 |
| Return on Equity (ROE) | 9.0670% | 2,286 |
| Retained earnings to average equity (ytd only) | 5.5458% | 1,794 |
| Net charge-offs to loans | 0.6926% | 309 |
| Credit loss provision to net charge-offs | 98.5460% | 2,635 |
| Earnings coverage of net charge-offs (x) | 4.9838% | 3,389 |
| Efficiency ratio | 47.2018% | 5,348 |
| Assets per employee ($millions) | 8.0528% | 627 |
| Cash dividends to net income (ytd only)* | 38.8350% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1322% | 420 |
| Loan loss allowance to noncurrent loans | 178.1835% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 2,393 |
| Noncurrent loans to loans | 1.1966% | 1,487 |
| Net loans and leases to total assets | 43.3874% | 5,008 |
| Net loans and leases to deposits | 51.5470% | 5,008 |
| Net loans and leases to core deposits | 55.8159% | 4,940 |
| Total domestic deposits to total assets | 84.1706% | 3,137 |
| Equity capital to assets | 13.8426% | 953 |
| Core capital (leverage) ratio | 14.0562% | 821 |
| Tier 1 risk-based capital ratio | 26.1595% | 652 |
| Total risk-based capital ratio | 27.4155% | 647 |
| Memoranda: | ||
| Average total assets | $203,150,600 | 2,898 |
| Average earning assets | $196,390,000 | 2,804 |
| Average equity | $27,263,800 | 2,527 |
| Average total loans | $89,371,400 | 3,538 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4454% | 4,899 |
| Cost of funding earning assets | 0.6998% | 967 |
| Net interest margin | 2.7456% | 5,285 |
| Noninterest income to average assets | 0.2135% | 4,940 |
| Noninterest expense to average assets | 1.3319% | 5,605 |
| Loan and lease loss provision to assets | 0.2357% | 759 |
| Net operating income to assets | 1.2953% | 1,355 |
| Return on assets (ROA) | 1.2953% | 1,387 |
| Pretax return on assets | 1.2972% | 2,509 |
| Return on Equity (ROE) | 9.7270% | 2,243 |
| Retained earnings to average equity (ytd only) | 6.1864% | 2,116 |
| Net charge-offs to loans | 0.4399% | 475 |
| Credit loss provision to net charge-offs | 122.0339% | 1,982 |
| Earnings coverage of net charge-offs (x) | 7.9357% | 2,827 |
| Efficiency ratio | 46.4914% | 5,402 |
| Assets per employee ($millions) | 8.0943% | 611 |
| Cash dividends to net income (ytd only)* | 36.4005% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1950% | 411 |
| Loan loss allowance to noncurrent loans | 104.7115% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.9335% | 1,830 |
| Noncurrent loans to loans | 2.0963% | 792 |
| Net loans and leases to total assets | 43.5542% | 5,051 |
| Net loans and leases to deposits | 50.5474% | 5,105 |
| Net loans and leases to core deposits | 55.3622% | 5,026 |
| Total domestic deposits to total assets | 86.1650% | 2,246 |
| Equity capital to assets | 13.7193% | 1,067 |
| Core capital (leverage) ratio | 13.8012% | 943 |
| Tier 1 risk-based capital ratio | 25.7186% | 697 |
| Total risk-based capital ratio | 26.9756% | 687 |
| Memoranda: | ||
| Average total assets | $203,608,000 | 2,911 |
| Average earning assets | $196,626,000 | 2,828 |
| Average equity | $27,112,750 | 2,554 |
| Average total loans | $89,401,500 | 3,568 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4489% | 4,880 |
| Cost of funding earning assets | 0.7034% | 880 |
| Net interest margin | 2.7455% | 5,313 |
| Noninterest income to average assets | 0.2078% | 5,004 |
| Noninterest expense to average assets | 1.3165% | 5,663 |
| Loan and lease loss provision to assets | 0.2353% | 731 |
| Net operating income to assets | 1.3008% | 1,295 |
| Return on assets (ROA) | 1.3008% | 1,317 |
| Pretax return on assets | 1.3038% | 2,368 |
| Return on Equity (ROE) | 9.8675% | 2,096 |
| Retained earnings to average equity (ytd only) | 6.2983% | 1,963 |
| Net charge-offs to loans | 0.4755% | 417 |
| Credit loss provision to net charge-offs | 113.2075% | 1,851 |
| Earnings coverage of net charge-offs (x) | 7.4057% | 2,605 |
| Efficiency ratio | 46.1037% | 5,459 |
| Assets per employee ($millions) | 8.1398% | 589 |
| Cash dividends to net income (ytd only)* | 36.1718% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1346% | 478 |
| Loan loss allowance to noncurrent loans | 73.6243% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.2949% | 1,282 |
| Noncurrent loans to loans | 2.8993% | 459 |
| Net loans and leases to total assets | 43.7084% | 5,056 |
| Net loans and leases to deposits | 50.8749% | 5,111 |
| Net loans and leases to core deposits | 55.8091% | 5,000 |
| Total domestic deposits to total assets | 85.9136% | 2,408 |
| Equity capital to assets | 13.3748% | 1,196 |
| Core capital (leverage) ratio | 13.5212% | 994 |
| Tier 1 risk-based capital ratio | 24.7728% | 771 |
| Total risk-based capital ratio | 26.0287% | 751 |
| Memoranda: | ||
| Average total assets | $204,025,330 | 2,923 |
| Average earning assets | $196,757,330 | 2,843 |
| Average equity | $26,896,330 | 2,569 |
| Average total loans | $89,164,330 | 3,593 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 4,807 |
| Cost of funding earning assets | 0.7184% | 769 |
| Net interest margin | 2.7398% | 5,337 |
| Noninterest income to average assets | 0.2095% | 5,010 |
| Noninterest expense to average assets | 1.2884% | 5,741 |
| Loan and lease loss provision to assets | 0.2350% | 653 |
| Net operating income to assets | 1.3236% | 1,182 |
| Return on assets (ROA) | 1.3236% | 1,216 |
| Pretax return on assets | 1.3295% | 2,137 |
| Return on Equity (ROE) | 10.1137% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.5230% | 2,064 |
| Net charge-offs to loans | -0.0091% | 4,379 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1613% | 5,559 |
| Assets per employee ($millions) | 8.0684% | 603 |
| Cash dividends to net income (ytd only)* | 35.5030% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2918% | 415 |
| Loan loss allowance to noncurrent loans | 81.5230% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 1,406 |
| Noncurrent loans to loans | 2.8112% | 514 |
| Net loans and leases to total assets | 42.9914% | 5,104 |
| Net loans and leases to deposits | 49.7493% | 5,146 |
| Net loans and leases to core deposits | 54.4875% | 5,040 |
| Total domestic deposits to total assets | 86.4161% | 2,486 |
| Equity capital to assets | 13.3831% | 1,112 |
| Core capital (leverage) ratio | 13.3300% | 1,025 |
| Tier 1 risk-based capital ratio | 25.1082% | 760 |
| Total risk-based capital ratio | 26.3651% | 744 |
| Memoranda: | ||
| Average total assets | $204,291,000 | 2,944 |
| Average earning assets | $197,094,000 | 2,859 |
| Average equity | $26,736,000 | 2,593 |
| Average total loans | $88,304,500 | 3,636 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5265% | 4,713 |
| Cost of funding earning assets | 0.7431% | 655 |
| Net interest margin | 2.7834% | 5,319 |
| Noninterest income to average assets | 0.2096% | 5,163 |
| Noninterest expense to average assets | 1.4237% | 5,764 |
| Loan and lease loss provision to assets | 0.2460% | 855 |
| Net operating income to assets | 1.2141% | 1,455 |
| Return on assets (ROA) | 1.2141% | 1,544 |
| Pretax return on assets | 1.2141% | 2,607 |
| Return on Equity (ROE) | 9.0467% | 2,397 |
| Retained earnings to average equity (ytd only) | 5.3425% | 2,105 |
| Net charge-offs to loans | 0.5123% | 482 |
| Credit loss provision to net charge-offs | 108.8435% | 2,411 |
| Earnings coverage of net charge-offs (x) | 6.4603% | 3,171 |
| Efficiency ratio | 49.3691% | 5,514 |
| Assets per employee ($millions) | 8.2749% | 538 |
| Cash dividends to net income (ytd only)* | 40.9455% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1774% | 481 |
| Loan loss allowance to noncurrent loans | 132.2046% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 1,865 |
| Noncurrent loans to loans | 1.6470% | 1,180 |
| Net loans and leases to total assets | 41.5445% | 5,253 |
| Net loans and leases to deposits | 48.6494% | 5,267 |
| Net loans and leases to core deposits | 53.2801% | 5,170 |
| Total domestic deposits to total assets | 85.3958% | 2,880 |
| Equity capital to assets | 12.7987% | 1,350 |
| Core capital (leverage) ratio | 13.0314% | 1,122 |
| Tier 1 risk-based capital ratio | 24.4287% | 823 |
| Total risk-based capital ratio | 25.6843% | 802 |
| Memoranda: | ||
| Average total assets | $195,122,400 | 3,008 |
| Average earning assets | $187,465,400 | 2,923 |
| Average equity | $26,186,200 | 2,620 |
| Average total loans | $86,080,200 | 3,662 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5866% | 4,589 |
| Cost of funding earning assets | 0.7569% | 617 |
| Net interest margin | 2.8296% | 5,305 |
| Noninterest income to average assets | 0.2574% | 4,921 |
| Noninterest expense to average assets | 1.4298% | 5,809 |
| Loan and lease loss provision to assets | 0.2498% | 759 |
| Net operating income to assets | 1.2932% | 1,311 |
| Return on assets (ROA) | 1.2932% | 1,417 |
| Pretax return on assets | 1.2932% | 2,454 |
| Return on Equity (ROE) | 9.5172% | 2,266 |
| Retained earnings to average equity (ytd only) | 5.7900% | 2,307 |
| Net charge-offs to loans | -0.0296% | 5,161 |
| Credit loss provision to net charge-offs | -1,894.7368% | 5,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0980% | 5,590 |
| Assets per employee ($millions) | 8.0531% | 578 |
| Cash dividends to net income (ytd only)* | 39.1631% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6034% | 290 |
| Loan loss allowance to noncurrent loans | 102.3626% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.5159% | 1,179 |
| Noncurrent loans to loans | 2.5433% | 681 |
| Net loans and leases to total assets | 41.8667% | 5,300 |
| Net loans and leases to deposits | 48.3525% | 5,368 |
| Net loans and leases to core deposits | 53.0213% | 5,266 |
| Total domestic deposits to total assets | 86.5865% | 2,092 |
| Equity capital to assets | 13.2854% | 1,354 |
| Core capital (leverage) ratio | 13.2831% | 1,077 |
| Tier 1 risk-based capital ratio | 25.2078% | 792 |
| Total risk-based capital ratio | 26.4688% | 773 |
| Memoranda: | ||
| Average total assets | $192,185,000 | 3,050 |
| Average earning assets | $184,423,750 | 2,979 |
| Average equity | $26,113,500 | 2,649 |
| Average total loans | $85,636,000 | 3,694 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 4,719 |
| Cost of funding earning assets | 0.7492% | 634 |
| Net interest margin | 2.8069% | 5,415 |
| Noninterest income to average assets | 0.2432% | 5,027 |
| Noninterest expense to average assets | 1.3715% | 5,908 |
| Loan and lease loss provision to assets | 0.2538% | 756 |
| Net operating income to assets | 1.3239% | 1,214 |
| Return on assets (ROA) | 1.3239% | 1,300 |
| Pretax return on assets | 1.3239% | 2,306 |
| Return on Equity (ROE) | 9.6671% | 2,194 |
| Retained earnings to average equity (ytd only) | 5.8836% | 2,194 |
| Net charge-offs to loans | 0.1055% | 1,770 |
| Credit loss provision to net charge-offs | 533.3333% | 625 |
| Earnings coverage of net charge-offs (x) | 33.1556% | 1,312 |
| Efficiency ratio | 46.5041% | 5,733 |
| Assets per employee ($millions) | 7.6655% | 648 |
| Cash dividends to net income (ytd only)* | 39.1374% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4387% | 389 |
| Loan loss allowance to noncurrent loans | 93.9573% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.5467% | 1,220 |
| Noncurrent loans to loans | 2.5955% | 650 |
| Net loans and leases to total assets | 43.1710% | 5,275 |
| Net loans and leases to deposits | 50.1412% | 5,328 |
| Net loans and leases to core deposits | 55.0416% | 5,221 |
| Total domestic deposits to total assets | 86.0988% | 2,370 |
| Equity capital to assets | 13.7890% | 1,100 |
| Core capital (leverage) ratio | 13.6938% | 907 |
| Tier 1 risk-based capital ratio | 25.4224% | 776 |
| Total risk-based capital ratio | 26.6811% | 755 |
| Memoranda: | ||
| Average total assets | $189,137,670 | 3,096 |
| Average earning assets | $182,334,330 | 3,014 |
| Average equity | $25,902,330 | 2,674 |
| Average total loans | $85,334,000 | 3,709 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 4,837 |
| Cost of funding earning assets | 0.7464% | 646 |
| Net interest margin | 2.7765% | 5,509 |
| Noninterest income to average assets | 0.2810% | 4,702 |
| Noninterest expense to average assets | 1.3561% | 5,978 |
| Loan and lease loss provision to assets | 0.2555% | 679 |
| Net operating income to assets | 1.3540% | 1,127 |
| Return on assets (ROA) | 1.3540% | 1,196 |
| Pretax return on assets | 1.3540% | 2,075 |
| Return on Equity (ROE) | 9.9216% | 2,015 |
| Retained earnings to average equity (ytd only) | 6.0216% | 2,362 |
| Net charge-offs to loans | 0.0140% | 2,662 |
| Credit loss provision to net charge-offs | 4,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 243 |
| Efficiency ratio | 45.7286% | 5,823 |
| Assets per employee ($millions) | 7.5530% | 684 |
| Cash dividends to net income (ytd only)* | 39.3082% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3290% | 491 |
| Loan loss allowance to noncurrent loans | 63.7821% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.8647% | 978 |
| Noncurrent loans to loans | 3.6515% | 358 |
| Net loans and leases to total assets | 44.1967% | 5,233 |
| Net loans and leases to deposits | 51.3690% | 5,255 |
| Net loans and leases to core deposits | 56.4748% | 5,116 |
| Total domestic deposits to total assets | 86.0378% | 2,653 |
| Equity capital to assets | 13.7223% | 1,080 |
| Core capital (leverage) ratio | 13.7266% | 896 |
| Tier 1 risk-based capital ratio | 20.5106% | 1,399 |
| Total risk-based capital ratio | 21.7645% | 1,381 |
| Memoranda: | ||
| Average total assets | $187,887,500 | 3,115 |
| Average earning assets | $181,669,500 | 3,031 |
| Average equity | $25,641,000 | 2,693 |
| Average total loans | $85,601,000 | 3,709 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 4,333 |
| Cost of funding earning assets | 0.7397% | 670 |
| Net interest margin | 2.9735% | 5,199 |
| Noninterest income to average assets | 0.1889% | 5,462 |
| Noninterest expense to average assets | 1.4480% | 6,009 |
| Loan and lease loss provision to assets | 0.2659% | 698 |
| Net operating income to assets | 1.3477% | 1,158 |
| Return on assets (ROA) | 1.3488% | 1,193 |
| Pretax return on assets | 1.3488% | 2,101 |
| Return on Equity (ROE) | 9.8471% | 2,065 |
| Retained earnings to average equity (ytd only) | 5.8436% | 1,872 |
| Net charge-offs to loans | 0.5489% | 459 |
| Credit loss provision to net charge-offs | 103.2258% | 2,430 |
| Earnings coverage of net charge-offs (x) | 6.2645% | 3,250 |
| Efficiency ratio | 47.2951% | 5,868 |
| Assets per employee ($millions) | 7.4780% | 712 |
| Cash dividends to net income (ytd only)* | 40.6571% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1841% | 608 |
| Loan loss allowance to noncurrent loans | 60.6541% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.8657% | 994 |
| Noncurrent loans to loans | 3.6008% | 371 |
| Net loans and leases to total assets | 44.8700% | 5,234 |
| Net loans and leases to deposits | 52.0546% | 5,283 |
| Net loans and leases to core deposits | 56.0882% | 5,202 |
| Total domestic deposits to total assets | 86.1980% | 2,542 |
| Equity capital to assets | 13.5709% | 1,103 |
| Core capital (leverage) ratio | 13.6193% | 930 |
| Tier 1 risk-based capital ratio | 24.5146% | 862 |
| Total risk-based capital ratio | 25.7706% | 845 |
| Memoranda: | ||
| Average total assets | $180,528,600 | 3,163 |
| Average earning assets | $174,405,400 | 3,061 |
| Average equity | $24,728,000 | 2,721 |
| Average total loans | $84,715,400 | 3,710 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 4,212 |
| Cost of funding earning assets | 0.7381% | 691 |
| Net interest margin | 3.0240% | 5,141 |
| Noninterest income to average assets | 0.2467% | 5,165 |
| Noninterest expense to average assets | 1.4121% | 6,093 |
| Loan and lease loss provision to assets | 0.2683% | 606 |
| Net operating income to assets | 1.4911% | 931 |
| Return on assets (ROA) | 1.4926% | 966 |
| Pretax return on assets | 1.4926% | 1,697 |
| Return on Equity (ROE) | 10.8706% | 1,754 |
| Retained earnings to average equity (ytd only) | 6.8545% | 1,758 |
| Net charge-offs to loans | -0.2557% | 6,054 |
| Credit loss provision to net charge-offs | -222.2222% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5254% | 6,020 |
| Assets per employee ($millions) | 7.1349% | 817 |
| Cash dividends to net income (ytd only)* | 36.9445% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7538% | 319 |
| Loan loss allowance to noncurrent loans | 87.2114% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.7884% | 1,202 |
| Noncurrent loans to loans | 3.1576% | 533 |
| Net loans and leases to total assets | 47.1187% | 5,143 |
| Net loans and leases to deposits | 54.9686% | 5,187 |
| Net loans and leases to core deposits | 59.2314% | 5,118 |
| Total domestic deposits to total assets | 85.7193% | 2,683 |
| Equity capital to assets | 14.1327% | 970 |
| Core capital (leverage) ratio | 13.8994% | 891 |
| Tier 1 risk-based capital ratio | 25.4581% | 812 |
| Total risk-based capital ratio | 26.9888% | 779 |
| Memoranda: | ||
| Average total assets | $178,923,000 | 3,209 |
| Average earning assets | $173,055,000 | 3,097 |
| Average equity | $24,567,250 | 2,747 |
| Average total loans | $84,454,750 | 3,744 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7225% | 4,346 |
| Cost of funding earning assets | 0.7309% | 715 |
| Net interest margin | 2.9916% | 5,248 |
| Noninterest income to average assets | 0.2334% | 5,288 |
| Noninterest expense to average assets | 1.4204% | 6,162 |
| Loan and lease loss provision to assets | 0.2680% | 619 |
| Net operating income to assets | 1.4383% | 1,016 |
| Return on assets (ROA) | 1.4405% | 1,051 |
| Pretax return on assets | 1.4405% | 1,835 |
| Return on Equity (ROE) | 10.5940% | 1,814 |
| Retained earnings to average equity (ytd only) | 6.5699% | 1,913 |
| Net charge-offs to loans | -0.3150% | 6,131 |
| Credit loss provision to net charge-offs | -181.8182% | 5,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4286% | 6,061 |
| Assets per employee ($millions) | 7.1542% | 780 |
| Cash dividends to net income (ytd only)* | 37.9845% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5885% | 437 |
| Loan loss allowance to noncurrent loans | 49.7213% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.7654% | 641 |
| Noncurrent loans to loans | 5.2060% | 211 |
| Net loans and leases to total assets | 46.9204% | 5,181 |
| Net loans and leases to deposits | 54.5679% | 5,220 |
| Net loans and leases to core deposits | 58.3491% | 5,173 |
| Total domestic deposits to total assets | 85.9854% | 2,699 |
| Equity capital to assets | 13.8318% | 1,038 |
| Core capital (leverage) ratio | 13.8498% | 886 |
| Tier 1 risk-based capital ratio | 20.2769% | 1,488 |
| Total risk-based capital ratio | 21.5337% | 1,464 |
| Memoranda: | ||
| Average total assets | $179,106,330 | 3,227 |
| Average earning assets | $173,218,330 | 3,118 |
| Average equity | $24,353,330 | 2,773 |
| Average total loans | $83,797,330 | 3,787 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6992% | 4,370 |
| Cost of funding earning assets | 0.7292% | 738 |
| Net interest margin | 2.9700% | 5,297 |
| Noninterest income to average assets | 0.3504% | 4,394 |
| Noninterest expense to average assets | 1.4350% | 6,212 |
| Loan and lease loss provision to assets | 0.2678% | 589 |
| Net operating income to assets | 1.5198% | 815 |
| Return on assets (ROA) | 1.5198% | 861 |
| Pretax return on assets | 1.5198% | 1,496 |
| Return on Equity (ROE) | 11.2746% | 1,560 |
| Retained earnings to average equity (ytd only) | 7.1356% | 1,952 |
| Net charge-offs to loans | -0.0387% | 5,389 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5291% | 6,161 |
| Assets per employee ($millions) | 7.1494% | 807 |
| Cash dividends to net income (ytd only)* | 36.7107% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3832% | 631 |
| Loan loss allowance to noncurrent loans | 63.5520% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 2.0063% | 1,181 |
| Noncurrent loans to loans | 3.7500% | 482 |
| Net loans and leases to total assets | 45.5134% | 5,236 |
| Net loans and leases to deposits | 52.8577% | 5,278 |
| Net loans and leases to core deposits | 56.5015% | 5,220 |
| Total domestic deposits to total assets | 86.1056% | 2,886 |
| Equity capital to assets | 13.6437% | 1,110 |
| Core capital (leverage) ratio | 13.6346% | 928 |
| Tier 1 risk-based capital ratio | 25.2059% | 871 |
| Total risk-based capital ratio | 26.4653% | 847 |
| Memoranda: | ||
| Average total assets | $179,231,500 | 3,245 |
| Average earning assets | $173,335,000 | 3,131 |
| Average equity | $24,160,500 | 2,813 |
| Average total loans | $82,621,000 | 3,823 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 4,711 |
| Cost of funding earning assets | 0.7482% | 854 |
| Net interest margin | 2.9782% | 5,491 |
| Noninterest income to average assets | 0.2632% | 5,247 |
| Noninterest expense to average assets | 1.5466% | 6,274 |
| Loan and lease loss provision to assets | 0.2376% | 998 |
| Net operating income to assets | 1.3568% | 1,174 |
| Return on assets (ROA) | 1.3574% | 1,218 |
| Pretax return on assets | 1.3574% | 2,053 |
| Return on Equity (ROE) | 10.2793% | 1,996 |
| Retained earnings to average equity (ytd only) | 6.4913% | 1,645 |
| Net charge-offs to loans | 0.2295% | 1,833 |
| Credit loss provision to net charge-offs | 234.8315% | 1,075 |
| Earnings coverage of net charge-offs (x) | 15.7584% | 2,063 |
| Efficiency ratio | 49.2400% | 6,126 |
| Assets per employee ($millions) | 7.1892% | 763 |
| Cash dividends to net income (ytd only)* | 36.8509% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2684% | 756 |
| Loan loss allowance to noncurrent loans | 66.3098% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.6759% | 1,608 |
| Noncurrent loans to loans | 3.4209% | 610 |
| Net loans and leases to total assets | 44.5393% | 5,429 |
| Net loans and leases to deposits | 51.4268% | 5,518 |
| Net loans and leases to core deposits | 54.9157% | 5,450 |
| Total domestic deposits to total assets | 86.6071% | 2,502 |
| Equity capital to assets | 13.3173% | 1,221 |
| Core capital (leverage) ratio | 13.4422% | 990 |
| Tier 1 risk-based capital ratio | 25.3818% | 804 |
| Total risk-based capital ratio | 26.6399% | 795 |
| Memoranda: | ||
| Average total assets | $175,930,200 | 3,262 |
| Average earning assets | $170,003,000 | 3,156 |
| Average equity | $23,231,200 | 2,824 |
| Average total loans | $77,571,400 | 3,950 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 4,684 |
| Cost of funding earning assets | 0.7470% | 903 |
| Net interest margin | 3.0117% | 5,477 |
| Noninterest income to average assets | 0.2934% | 5,099 |
| Noninterest expense to average assets | 1.4866% | 6,363 |
| Loan and lease loss provision to assets | 0.2515% | 856 |
| Net operating income to assets | 1.4645% | 999 |
| Return on assets (ROA) | 1.4653% | 1,037 |
| Pretax return on assets | 1.4653% | 1,753 |
| Return on Equity (ROE) | 11.1209% | 1,746 |
| Retained earnings to average equity (ytd only) | 7.3040% | 1,671 |
| Net charge-offs to loans | -0.2475% | 6,351 |
| Credit loss provision to net charge-offs | -232.3944% | 5,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4192% | 6,277 |
| Assets per employee ($millions) | 6.8516% | 857 |
| Cash dividends to net income (ytd only)* | 34.3214% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6521% | 524 |
| Loan loss allowance to noncurrent loans | 100.0958% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.3766% | 2,243 |
| Noncurrent loans to loans | 2.6496% | 1,083 |
| Net loans and leases to total assets | 44.7866% | 5,474 |
| Net loans and leases to deposits | 52.0543% | 5,526 |
| Net loans and leases to core deposits | 55.6701% | 5,468 |
| Total domestic deposits to total assets | 86.0383% | 2,830 |
| Equity capital to assets | 13.8268% | 1,062 |
| Core capital (leverage) ratio | 13.5691% | 974 |
| Tier 1 risk-based capital ratio | 26.0367% | 785 |
| Total risk-based capital ratio | 27.2988% | 761 |
| Memoranda: | ||
| Average total assets | $174,980,500 | 3,295 |
| Average earning assets | $169,026,750 | 3,195 |
| Average equity | $23,055,250 | 2,849 |
| Average total loans | $76,487,250 | 4,012 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7311% | 4,764 |
| Cost of funding earning assets | 0.7425% | 956 |
| Net interest margin | 2.9887% | 5,559 |
| Noninterest income to average assets | 0.2724% | 5,254 |
| Noninterest expense to average assets | 1.5039% | 6,420 |
| Loan and lease loss provision to assets | 0.2384% | 948 |
| Net operating income to assets | 1.4085% | 1,043 |
| Return on assets (ROA) | 1.4097% | 1,079 |
| Pretax return on assets | 1.4097% | 1,858 |
| Return on Equity (ROE) | 10.8730% | 1,784 |
| Retained earnings to average equity (ytd only) | 7.0210% | 1,764 |
| Net charge-offs to loans | -0.4068% | 6,487 |
| Credit loss provision to net charge-offs | -136.3636% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7305% | 6,302 |
| Assets per employee ($millions) | 6.8892% | 846 |
| Cash dividends to net income (ytd only)* | 35.4267% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5308% | 684 |
| Loan loss allowance to noncurrent loans | 94.9234% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.3691% | 2,389 |
| Noncurrent loans to loans | 2.6661% | 1,139 |
| Net loans and leases to total assets | 44.3207% | 5,512 |
| Net loans and leases to deposits | 51.3001% | 5,541 |
| Net loans and leases to core deposits | 54.8246% | 5,503 |
| Total domestic deposits to total assets | 86.3950% | 2,823 |
| Equity capital to assets | 13.4894% | 1,159 |
| Core capital (leverage) ratio | 13.4183% | 1,007 |
| Tier 1 risk-based capital ratio | 25.6271% | 816 |
| Total risk-based capital ratio | 26.8885% | 789 |
| Memoranda: | ||
| Average total assets | $176,210,670 | 3,294 |
| Average earning assets | $169,708,000 | 3,206 |
| Average equity | $22,845,670 | 2,866 |
| Average total loans | $75,714,670 | 4,054 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 4,961 |
| Cost of funding earning assets | 0.7358% | 1,042 |
| Net interest margin | 2.9292% | 5,693 |
| Noninterest income to average assets | 0.2783% | 5,141 |
| Noninterest expense to average assets | 1.2997% | 6,600 |
| Loan and lease loss provision to assets | 0.2694% | 774 |
| Net operating income to assets | 1.5241% | 774 |
| Return on assets (ROA) | 1.5241% | 810 |
| Pretax return on assets | 1.5241% | 1,358 |
| Return on Equity (ROE) | 11.9901% | 1,407 |
| Retained earnings to average equity (ytd only) | 8.1052% | 1,557 |
| Net charge-offs to loans | -0.0161% | 5,242 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0174% | 6,551 |
| Assets per employee ($millions) | 6.8534% | 861 |
| Cash dividends to net income (ytd only)* | 32.4006% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3460% | 973 |
| Loan loss allowance to noncurrent loans | 87.6133% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.3342% | 2,653 |
| Noncurrent loans to loans | 2.6777% | 1,265 |
| Net loans and leases to total assets | 42.2736% | 5,644 |
| Net loans and leases to deposits | 48.9124% | 5,676 |
| Net loans and leases to core deposits | 52.4232% | 5,592 |
| Total domestic deposits to total assets | 86.4271% | 3,147 |
| Equity capital to assets | 13.3564% | 1,153 |
| Core capital (leverage) ratio | 13.3122% | 1,031 |
| Tier 1 risk-based capital ratio | 26.3186% | 761 |
| Total risk-based capital ratio | 27.5782% | 748 |
| Memoranda: | ||
| Average total assets | $178,200,500 | 3,297 |
| Average earning assets | $171,243,000 | 3,206 |
| Average equity | $22,652,000 | 2,874 |
| Average total loans | $74,414,000 | 4,125 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 4,406 |
| Cost of funding earning assets | 0.8263% | 1,058 |
| Net interest margin | 3.0883% | 5,345 |
| Noninterest income to average assets | 0.2722% | 5,406 |
| Noninterest expense to average assets | 1.5592% | 6,535 |
| Loan and lease loss provision to assets | 0.2589% | 1,385 |
| Net operating income to assets | 1.3680% | 1,095 |
| Return on assets (ROA) | 1.3680% | 1,137 |
| Pretax return on assets | 1.3680% | 1,905 |
| Return on Equity (ROE) | 10.8891% | 1,801 |
| Retained earnings to average equity (ytd only) | 7.1168% | 1,393 |
| Net charge-offs to loans | 0.5838% | 1,133 |
| Credit loss provision to net charge-offs | 105.1643% | 2,295 |
| Earnings coverage of net charge-offs (x) | 6.6080% | 3,025 |
| Efficiency ratio | 48.9389% | 6,446 |
| Assets per employee ($millions) | 7.4027% | 628 |
| Cash dividends to net income (ytd only)* | 34.6430% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1672% | 1,222 |
| Loan loss allowance to noncurrent loans | 106.0984% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 3,440 |
| Noncurrent loans to loans | 2.0426% | 1,945 |
| Net loans and leases to total assets | 39.4673% | 6,002 |
| Net loans and leases to deposits | 44.9422% | 6,076 |
| Net loans and leases to core deposits | 47.8158% | 6,046 |
| Total domestic deposits to total assets | 87.8179% | 2,296 |
| Equity capital to assets | 12.1145% | 1,734 |
| Core capital (leverage) ratio | 13.0208% | 1,135 |
| Tier 1 risk-based capital ratio | 24.7657% | 874 |
| Total risk-based capital ratio | 26.0229% | 866 |
| Memoranda: | ||
| Average total assets | $173,032,200 | 3,369 |
| Average earning assets | $163,261,600 | 3,298 |
| Average equity | $21,737,400 | 2,955 |
| Average total loans | $72,965,400 | 4,165 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 4,104 |
| Cost of funding earning assets | 0.8533% | 1,031 |
| Net interest margin | 3.1534% | 5,140 |
| Noninterest income to average assets | 0.3199% | 5,129 |
| Noninterest expense to average assets | 1.5613% | 6,592 |
| Loan and lease loss provision to assets | 0.2823% | 1,229 |
| Net operating income to assets | 1.4351% | 1,013 |
| Return on assets (ROA) | 1.4351% | 1,075 |
| Pretax return on assets | 1.4351% | 1,817 |
| Return on Equity (ROE) | 11.3134% | 1,699 |
| Retained earnings to average equity (ytd only) | 7.6041% | 1,586 |
| Net charge-offs to loans | 0.0643% | 3,995 |
| Credit loss provision to net charge-offs | 1,028.5714% | 301 |
| Earnings coverage of net charge-offs (x) | 62.5655% | 734 |
| Efficiency ratio | 47.6202% | 6,517 |
| Assets per employee ($millions) | 6.7198% | 844 |
| Cash dividends to net income (ytd only)* | 32.7869% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5946% | 837 |
| Loan loss allowance to noncurrent loans | 79.7426% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 1.7274% | 2,375 |
| Noncurrent loans to loans | 3.2538% | 1,206 |
| Net loans and leases to total assets | 42.9275% | 5,824 |
| Net loans and leases to deposits | 49.5221% | 5,869 |
| Net loans and leases to core deposits | 52.8597% | 5,839 |
| Total domestic deposits to total assets | 86.6835% | 2,865 |
| Equity capital to assets | 13.1706% | 1,255 |
| Core capital (leverage) ratio | 13.1119% | 1,160 |
| Tier 1 risk-based capital ratio | 25.5228% | 828 |
| Total risk-based capital ratio | 26.7850% | 814 |
| Memoranda: | ||
| Average total assets | $170,023,500 | 3,443 |
| Average earning assets | $159,526,250 | 3,383 |
| Average equity | $21,566,750 | 3,009 |
| Average total loans | $72,542,000 | 4,206 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 4,089 |
| Cost of funding earning assets | 0.8578% | 1,098 |
| Net interest margin | 3.1461% | 5,134 |
| Noninterest income to average assets | 0.2906% | 5,376 |
| Noninterest expense to average assets | 1.4435% | 6,711 |
| Loan and lease loss provision to assets | 0.2812% | 1,301 |
| Net operating income to assets | 1.5009% | 896 |
| Return on assets (ROA) | 1.5009% | 966 |
| Pretax return on assets | 1.5009% | 1,617 |
| Return on Equity (ROE) | 11.9830% | 1,500 |
| Retained earnings to average equity (ytd only) | 8.2412% | 1,388 |
| Net charge-offs to loans | 0.0555% | 3,904 |
| Credit loss provision to net charge-offs | 1,200.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 76.0500% | 597 |
| Efficiency ratio | 44.7512% | 6,689 |
| Assets per employee ($millions) | 6.6528% | 845 |
| Cash dividends to net income (ytd only)* | 31.2256% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4711% | 1,014 |
| Loan loss allowance to noncurrent loans | 49.0281% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 2.5962% | 1,617 |
| Noncurrent loans to loans | 5.0402% | 635 |
| Net loans and leases to total assets | 43.0934% | 5,819 |
| Net loans and leases to deposits | 49.6595% | 5,868 |
| Net loans and leases to core deposits | 53.0243% | 5,814 |
| Total domestic deposits to total assets | 86.7779% | 2,957 |
| Equity capital to assets | 13.0946% | 1,312 |
| Core capital (leverage) ratio | 13.1057% | 1,127 |
| Tier 1 risk-based capital ratio | 25.2356% | 854 |
| Total risk-based capital ratio | 26.0825% | 876 |
| Memoranda: | ||
| Average total assets | $170,699,670 | 3,450 |
| Average earning assets | $159,242,670 | 3,410 |
| Average equity | $21,380,330 | 3,053 |
| Average total loans | $72,043,670 | 4,238 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 4,515 |
| Cost of funding earning assets | 0.8701% | 1,142 |
| Net interest margin | 3.0191% | 5,517 |
| Noninterest income to average assets | 0.2776% | 5,469 |
| Noninterest expense to average assets | 1.3673% | 6,838 |
| Loan and lease loss provision to assets | 0.2776% | 1,265 |
| Net operating income to assets | 1.4344% | 978 |
| Return on assets (ROA) | 1.4344% | 1,054 |
| Pretax return on assets | 1.4344% | 1,758 |
| Return on Equity (ROE) | 11.7086% | 1,496 |
| Retained earnings to average equity (ytd only) | 7.9316% | 1,773 |
| Net charge-offs to loans | -0.0224% | 5,769 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4027% | 6,756 |
| Assets per employee ($millions) | 6.7361% | 875 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4156% | 1,227 |
| Loan loss allowance to noncurrent loans | 64.9547% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 1.9477% | 2,411 |
| Noncurrent loans to loans | 3.7188% | 1,263 |
| Net loans and leases to total assets | 41.2611% | 5,896 |
| Net loans and leases to deposits | 47.3870% | 5,969 |
| Net loans and leases to core deposits | 50.4392% | 5,942 |
| Total domestic deposits to total assets | 87.0727% | 2,922 |
| Equity capital to assets | 12.6993% | 1,588 |
| Core capital (leverage) ratio | 12.7932% | 1,198 |
| Tier 1 risk-based capital ratio | 24.8304% | 911 |
| Total risk-based capital ratio | 26.0900% | 899 |
| Memoranda: | ||
| Average total assets | $172,889,500 | 3,451 |
| Average earning assets | $160,446,000 | 3,421 |
| Average equity | $21,181,000 | 3,112 |
| Average total loans | $71,321,000 | 4,299 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 4,034 |
| Cost of funding earning assets | 1.0389% | 1,170 |
| Net interest margin | 3.3073% | 5,223 |
| Noninterest income to average assets | 0.3227% | 5,154 |
| Noninterest expense to average assets | 1.6093% | 6,799 |
| Loan and lease loss provision to assets | 0.2979% | 2,295 |
| Net operating income to assets | 1.4870% | 944 |
| Return on assets (ROA) | 1.4870% | 1,043 |
| Pretax return on assets | 1.4876% | 1,716 |
| Return on Equity (ROE) | 11.8863% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.2649% | 1,044 |
| Net charge-offs to loans | 0.4090% | 2,620 |
| Credit loss provision to net charge-offs | 165.5172% | 1,611 |
| Earnings coverage of net charge-offs (x) | 9.9207% | 2,202 |
| Efficiency ratio | 47.4040% | 6,734 |
| Assets per employee ($millions) | 7.0950% | 742 |
| Cash dividends to net income (ytd only)* | 30.4674% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2341% | 1,496 |
| Loan loss allowance to noncurrent loans | 91.7241% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.2296% | 3,601 |
| Noncurrent loans to loans | 2.4357% | 2,179 |
| Net loans and leases to total assets | 39.3745% | 6,213 |
| Net loans and leases to deposits | 44.6948% | 6,329 |
| Net loans and leases to core deposits | 47.6233% | 6,289 |
| Total domestic deposits to total assets | 88.0965% | 2,171 |
| Equity capital to assets | 11.8257% | 2,162 |
| Core capital (leverage) ratio | 12.6163% | 1,275 |
| Tier 1 risk-based capital ratio | 23.5349% | 1,029 |
| Total risk-based capital ratio | 24.7914% | 1,009 |
| Memoranda: | ||
| Average total assets | $161,130,200 | 3,607 |
| Average earning assets | $149,670,600 | 3,559 |
| Average equity | $20,157,600 | 3,189 |
| Average total loans | $70,905,000 | 4,332 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 3,755 |
| Cost of funding earning assets | 1.0792% | 1,145 |
| Net interest margin | 3.3899% | 5,068 |
| Noninterest income to average assets | 0.3353% | 5,119 |
| Noninterest expense to average assets | 1.5925% | 6,884 |
| Loan and lease loss provision to assets | 0.3328% | 1,968 |
| Net operating income to assets | 1.5857% | 874 |
| Return on assets (ROA) | 1.5857% | 976 |
| Pretax return on assets | 1.5857% | 1,618 |
| Return on Equity (ROE) | 12.4823% | 1,473 |
| Retained earnings to average equity (ytd only) | 8.9408% | 1,253 |
| Net charge-offs to loans | 0.1394% | 3,998 |
| Credit loss provision to net charge-offs | 529.7297% | 509 |
| Earnings coverage of net charge-offs (x) | 30.5419% | 1,082 |
| Efficiency ratio | 45.3578% | 6,849 |
| Assets per employee ($millions) | 6.3886% | 1,005 |
| Cash dividends to net income (ytd only)* | 28.3727% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4284% | 1,304 |
| Loan loss allowance to noncurrent loans | 84.1797% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 2,952 |
| Noncurrent loans to loans | 2.8848% | 1,944 |
| Net loans and leases to total assets | 43.3698% | 6,014 |
| Net loans and leases to deposits | 49.9056% | 6,113 |
| Net loans and leases to core deposits | 53.4975% | 6,082 |
| Total domestic deposits to total assets | 86.9035% | 2,733 |
| Equity capital to assets | 12.9349% | 1,626 |
| Core capital (leverage) ratio | 13.0969% | 1,152 |
| Tier 1 risk-based capital ratio | 24.3653% | 973 |
| Total risk-based capital ratio | 25.6251% | 957 |
| Memoranda: | ||
| Average total assets | $157,068,750 | 3,700 |
| Average earning assets | $147,138,750 | 3,642 |
| Average equity | $19,953,000 | 3,246 |
| Average total loans | $70,772,000 | 4,374 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 3,636 |
| Cost of funding earning assets | 1.1220% | 1,117 |
| Net interest margin | 3.4099% | 5,041 |
| Noninterest income to average assets | 0.3381% | 5,124 |
| Noninterest expense to average assets | 1.6211% | 6,907 |
| Loan and lease loss provision to assets | 0.3483% | 1,888 |
| Net operating income to assets | 1.5430% | 923 |
| Return on assets (ROA) | 1.5430% | 1,034 |
| Pretax return on assets | 1.5443% | 1,727 |
| Return on Equity (ROE) | 12.2225% | 1,598 |
| Retained earnings to average equity (ytd only) | 8.8753% | 1,316 |
| Net charge-offs to loans | 0.1103% | 4,080 |
| Credit loss provision to net charge-offs | 697.4359% | 459 |
| Earnings coverage of net charge-offs (x) | 37.8974% | 914 |
| Efficiency ratio | 46.1370% | 6,881 |
| Assets per employee ($millions) | 6.0610% | 1,198 |
| Cash dividends to net income (ytd only)* | 27.3859% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3346% | 1,529 |
| Loan loss allowance to noncurrent loans | 78.4962% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 2.0320% | 2,744 |
| Noncurrent loans to loans | 2.9741% | 1,999 |
| Net loans and leases to total assets | 45.2510% | 5,900 |
| Net loans and leases to deposits | 52.2985% | 6,004 |
| Net loans and leases to core deposits | 56.0541% | 5,938 |
| Total domestic deposits to total assets | 86.5244% | 3,055 |
| Equity capital to assets | 13.3238% | 1,384 |
| Core capital (leverage) ratio | 13.1003% | 1,123 |
| Tier 1 risk-based capital ratio | 24.2552% | 985 |
| Total risk-based capital ratio | 25.5140% | 968 |
| Memoranda: | ||
| Average total assets | $156,186,670 | 3,735 |
| Average earning assets | $145,458,330 | 3,689 |
| Average equity | $19,717,670 | 3,259 |
| Average total loans | $70,698,670 | 4,397 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5603% | 3,675 |
| Cost of funding earning assets | 1.1675% | 1,117 |
| Net interest margin | 3.3927% | 5,148 |
| Noninterest income to average assets | 0.3255% | 5,265 |
| Noninterest expense to average assets | 1.6528% | 6,932 |
| Loan and lease loss provision to assets | 0.3028% | 2,075 |
| Net operating income to assets | 1.4838% | 1,049 |
| Return on assets (ROA) | 1.4838% | 1,173 |
| Pretax return on assets | 1.4863% | 1,904 |
| Return on Equity (ROE) | 12.0727% | 1,662 |
| Retained earnings to average equity (ytd only) | 8.6849% | 1,704 |
| Net charge-offs to loans | -0.0056% | 5,814 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0205% | 6,802 |
| Assets per employee ($millions) | 6.1625% | 1,177 |
| Cash dividends to net income (ytd only)* | 28.0612% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2062% | 1,867 |
| Loan loss allowance to noncurrent loans | 88.5217% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.7662% | 3,221 |
| Noncurrent loans to loans | 2.4922% | 2,614 |
| Net loans and leases to total assets | 43.9353% | 6,021 |
| Net loans and leases to deposits | 50.4513% | 6,102 |
| Net loans and leases to core deposits | 53.9678% | 6,059 |
| Total domestic deposits to total assets | 87.0845% | 2,911 |
| Equity capital to assets | 12.7779% | 1,560 |
| Core capital (leverage) ratio | 12.8697% | 1,177 |
| Tier 1 risk-based capital ratio | 23.7805% | 1,029 |
| Total risk-based capital ratio | 24.9824% | 1,022 |
| Memoranda: | ||
| Average total assets | $158,517,000 | 3,712 |
| Average earning assets | $145,605,000 | 3,706 |
| Average equity | $19,482,000 | 3,290 |
| Average total loans | $70,945,000 | 4,419 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 3,846 |
| Cost of funding earning assets | 1.3031% | 1,474 |
| Net interest margin | 3.4892% | 5,188 |
| Noninterest income to average assets | 0.3293% | 5,185 |
| Noninterest expense to average assets | 1.8547% | 6,890 |
| Loan and lease loss provision to assets | 0.4876% | 2,168 |
| Net operating income to assets | 1.2654% | 1,334 |
| Return on assets (ROA) | 1.2654% | 1,437 |
| Pretax return on assets | 1.2654% | 2,252 |
| Return on Equity (ROE) | 10.0861% | 2,031 |
| Retained earnings to average equity (ytd only) | 6.4628% | 1,761 |
| Net charge-offs to loans | 0.8965% | 1,939 |
| Credit loss provision to net charge-offs | 113.4796% | 2,894 |
| Earnings coverage of net charge-offs (x) | 4.0799% | 3,274 |
| Efficiency ratio | 51.4094% | 6,745 |
| Assets per employee ($millions) | 6.5188% | 948 |
| Cash dividends to net income (ytd only)* | 35.9234% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 2,467 |
| Loan loss allowance to noncurrent loans | 64.8225% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.7138% | 3,380 |
| Noncurrent loans to loans | 2.9845% | 2,176 |
| Net loans and leases to total assets | 43.7311% | 6,233 |
| Net loans and leases to deposits | 49.6648% | 6,382 |
| Net loans and leases to core deposits | 52.8502% | 6,380 |
| Total domestic deposits to total assets | 88.0525% | 2,117 |
| Equity capital to assets | 11.8291% | 2,255 |
| Core capital (leverage) ratio | 12.4043% | 1,391 |
| Tier 1 risk-based capital ratio | 22.1111% | 1,225 |
| Total risk-based capital ratio | 23.3654% | 1,195 |
| Memoranda: | ||
| Average total assets | $148,488,400 | 3,831 |
| Average earning assets | $139,516,200 | 3,758 |
| Average equity | $18,629,600 | 3,337 |
| Average total loans | $71,162,000 | 4,446 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8765% | 3,652 |
| Cost of funding earning assets | 1.3442% | 1,484 |
| Net interest margin | 3.5322% | 5,054 |
| Noninterest income to average assets | 0.3461% | 5,094 |
| Noninterest expense to average assets | 1.9705% | 6,750 |
| Loan and lease loss provision to assets | 0.4289% | 2,326 |
| Net operating income to assets | 1.3180% | 1,329 |
| Return on assets (ROA) | 1.3180% | 1,416 |
| Pretax return on assets | 1.3180% | 2,230 |
| Return on Equity (ROE) | 10.3386% | 2,090 |
| Retained earnings to average equity (ytd only) | 6.6566% | 2,161 |
| Net charge-offs to loans | 0.5029% | 2,749 |
| Credit loss provision to net charge-offs | 174.5318% | 1,707 |
| Earnings coverage of net charge-offs (x) | 7.1086% | 2,419 |
| Efficiency ratio | 53.0082% | 6,594 |
| Assets per employee ($millions) | 6.0609% | 1,168 |
| Cash dividends to net income (ytd only)* | 35.6143% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 2,006 |
| Loan loss allowance to noncurrent loans | 51.9672% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 2.1746% | 2,932 |
| Noncurrent loans to loans | 4.0959% | 1,619 |
| Net loans and leases to total assets | 46.0956% | 6,139 |
| Net loans and leases to deposits | 52.8332% | 6,307 |
| Net loans and leases to core deposits | 56.5244% | 6,273 |
| Total domestic deposits to total assets | 87.2474% | 2,496 |
| Equity capital to assets | 12.5474% | 1,892 |
| Core capital (leverage) ratio | 12.5912% | 1,395 |
| Tier 1 risk-based capital ratio | 22.7795% | 1,175 |
| Total risk-based capital ratio | 24.0366% | 1,152 |
| Memoranda: | ||
| Average total assets | $144,867,750 | 3,912 |
| Average earning assets | $138,266,250 | 3,800 |
| Average equity | $18,467,500 | 3,359 |
| Average total loans | $70,783,750 | 4,501 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 3,629 |
| Cost of funding earning assets | 1.3559% | 1,617 |
| Net interest margin | 3.5422% | 4,957 |
| Noninterest income to average assets | 0.3505% | 5,087 |
| Noninterest expense to average assets | 1.7834% | 7,099 |
| Loan and lease loss provision to assets | 0.5300% | 1,843 |
| Net operating income to assets | 1.4104% | 1,057 |
| Return on assets (ROA) | 1.4104% | 1,121 |
| Pretax return on assets | 1.4104% | 1,771 |
| Return on Equity (ROE) | 11.0030% | 1,796 |
| Retained earnings to average equity (ytd only) | 7.2843% | 1,746 |
| Net charge-offs to loans | 0.0652% | 4,985 |
| Credit loss provision to net charge-offs | 1,643.4783% | 211 |
| Earnings coverage of net charge-offs (x) | 60.1739% | 541 |
| Efficiency ratio | 47.8916% | 7,065 |
| Assets per employee ($millions) | 5.7506% | 1,344 |
| Cash dividends to net income (ytd only)* | 33.7972% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3924% | 1,605 |
| Loan loss allowance to noncurrent loans | 51.4435% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 3.0612% | 2,195 |
| Noncurrent loans to loans | 4.6506% | 1,417 |
| Net loans and leases to total assets | 47.5342% | 6,105 |
| Net loans and leases to deposits | 54.7514% | 6,245 |
| Net loans and leases to core deposits | 58.5597% | 6,229 |
| Total domestic deposits to total assets | 86.8182% | 2,844 |
| Equity capital to assets | 12.9746% | 1,531 |
| Core capital (leverage) ratio | 12.9824% | 1,172 |
| Tier 1 risk-based capital ratio | 22.9619% | 1,124 |
| Total risk-based capital ratio | 24.2133% | 1,109 |
| Memoranda: | ||
| Average total assets | $142,649,670 | 3,983 |
| Average earning assets | $135,849,330 | 3,860 |
| Average equity | $18,286,000 | 3,376 |
| Average total loans | $70,590,330 | 4,550 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 3,192 |
| Cost of funding earning assets | 1.3498% | 1,886 |
| Net interest margin | 3.6310% | 4,424 |
| Noninterest income to average assets | 0.3012% | 5,514 |
| Noninterest expense to average assets | 1.6581% | 7,261 |
| Loan and lease loss provision to assets | 0.6362% | 1,357 |
| Net operating income to assets | 1.4751% | 921 |
| Return on assets (ROA) | 1.4751% | 962 |
| Pretax return on assets | 1.4751% | 1,518 |
| Return on Equity (ROE) | 11.5785% | 1,580 |
| Retained earnings to average equity (ytd only) | 7.7116% | 1,837 |
| Net charge-offs to loans | 0.1975% | 3,316 |
| Credit loss provision to net charge-offs | 645.7143% | 582 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,083 |
| Efficiency ratio | 43.9881% | 7,280 |
| Assets per employee ($millions) | 5.7171% | 1,395 |
| Cash dividends to net income (ytd only)* | 33.3969% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 2,159 |
| Loan loss allowance to noncurrent loans | 78.3307% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.6141% | 3,821 |
| Noncurrent loans to loans | 2.6965% | 2,800 |
| Net loans and leases to total assets | 48.9935% | 5,960 |
| Net loans and leases to deposits | 56.3359% | 6,100 |
| Net loans and leases to core deposits | 60.8152% | 6,036 |
| Total domestic deposits to total assets | 86.9668% | 2,958 |
| Equity capital to assets | 12.7625% | 1,491 |
| Core capital (leverage) ratio | 13.0095% | 1,116 |
| Tier 1 risk-based capital ratio | 22.4381% | 1,154 |
| Total risk-based capital ratio | 23.6956% | 1,135 |
| Memoranda: | ||
| Average total assets | $142,091,500 | 4,027 |
| Average earning assets | $135,720,000 | 3,904 |
| Average equity | $18,102,500 | 3,387 |
| Average total loans | $70,879,000 | 4,589 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1712% | 3,745 |
| Cost of funding earning assets | 1.7067% | 1,570 |
| Net interest margin | 3.4645% | 5,384 |
| Noninterest income to average assets | 0.2711% | 5,843 |
| Noninterest expense to average assets | 1.7751% | 7,288 |
| Loan and lease loss provision to assets | 0.4363% | 3,504 |
| Net operating income to assets | 1.3337% | 1,098 |
| Return on assets (ROA) | 1.3337% | 1,169 |
| Pretax return on assets | 1.3337% | 1,850 |
| Return on Equity (ROE) | 10.4774% | 1,770 |
| Retained earnings to average equity (ytd only) | 6.9754% | 1,340 |
| Net charge-offs to loans | 0.5096% | 3,579 |
| Credit loss provision to net charge-offs | 170.0855% | 1,994 |
| Earnings coverage of net charge-offs (x) | 6.9003% | 2,246 |
| Efficiency ratio | 50.0722% | 7,122 |
| Assets per employee ($millions) | 5.6502% | 1,458 |
| Cash dividends to net income (ytd only)* | 33.4247% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 2,616 |
| Loan loss allowance to noncurrent loans | 112.7242% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 4,817 |
| Noncurrent loans to loans | 1.6676% | 3,998 |
| Net loans and leases to total assets | 48.7781% | 6,297 |
| Net loans and leases to deposits | 55.9651% | 6,450 |
| Net loans and leases to core deposits | 60.8890% | 6,324 |
| Total domestic deposits to total assets | 87.1581% | 2,740 |
| Equity capital to assets | 12.7173% | 1,520 |
| Core capital (leverage) ratio | 12.7622% | 1,220 |
| Tier 1 risk-based capital ratio | 22.2233% | 1,143 |
| Total risk-based capital ratio | 23.4782% | 1,119 |
| Memoranda: | ||
| Average total assets | $136,841,200 | 4,123 |
| Average earning assets | $129,313,000 | 4,034 |
| Average equity | $17,418,400 | 3,517 |
| Average total loans | $68,881,800 | 4,723 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2210% | 3,734 |
| Cost of funding earning assets | 1.7821% | 1,497 |
| Net interest margin | 3.4389% | 5,536 |
| Noninterest income to average assets | 0.3664% | 5,224 |
| Noninterest expense to average assets | 1.7347% | 7,406 |
| Loan and lease loss provision to assets | 0.4744% | 3,102 |
| Net operating income to assets | 1.3948% | 1,112 |
| Return on assets (ROA) | 1.3948% | 1,190 |
| Pretax return on assets | 1.3948% | 1,893 |
| Return on Equity (ROE) | 10.9553% | 1,797 |
| Retained earnings to average equity (ytd only) | 7.4064% | 1,638 |
| Net charge-offs to loans | 0.3015% | 4,161 |
| Credit loss provision to net charge-offs | 311.6129% | 1,015 |
| Earnings coverage of net charge-offs (x) | 12.2775% | 1,705 |
| Efficiency ratio | 48.1330% | 7,264 |
| Assets per employee ($millions) | 5.5501% | 1,585 |
| Cash dividends to net income (ytd only)* | 32.3944% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 2,231 |
| Loan loss allowance to noncurrent loans | 57.5832% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 2.2032% | 3,195 |
| Noncurrent loans to loans | 3.4681% | 2,294 |
| Net loans and leases to total assets | 49.5499% | 6,370 |
| Net loans and leases to deposits | 56.9200% | 6,552 |
| Net loans and leases to core deposits | 61.9996% | 6,466 |
| Total domestic deposits to total assets | 87.0518% | 2,501 |
| Equity capital to assets | 12.7702% | 1,700 |
| Core capital (leverage) ratio | 12.8746% | 1,276 |
| Tier 1 risk-based capital ratio | 21.9842% | 1,209 |
| Total risk-based capital ratio | 23.2410% | 1,180 |
| Memoranda: | ||
| Average total assets | $135,737,500 | 4,197 |
| Average earning assets | $127,789,000 | 4,114 |
| Average equity | $17,282,000 | 3,594 |
| Average total loans | $68,546,750 | 4,804 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2536% | 3,692 |
| Cost of funding earning assets | 1.8433% | 1,461 |
| Net interest margin | 3.4103% | 5,601 |
| Noninterest income to average assets | 0.4008% | 4,911 |
| Noninterest expense to average assets | 1.6774% | 7,516 |
| Loan and lease loss provision to assets | 0.4513% | 3,067 |
| Net operating income to assets | 1.4800% | 946 |
| Return on assets (ROA) | 1.4800% | 1,004 |
| Pretax return on assets | 1.4800% | 1,613 |
| Return on Equity (ROE) | 11.6361% | 1,548 |
| Retained earnings to average equity (ytd only) | 8.0181% | 1,432 |
| Net charge-offs to loans | 0.3029% | 3,797 |
| Credit loss provision to net charge-offs | 295.1456% | 1,260 |
| Earnings coverage of net charge-offs (x) | 12.6311% | 1,663 |
| Efficiency ratio | 46.4829% | 7,417 |
| Assets per employee ($millions) | 5.3954% | 1,711 |
| Cash dividends to net income (ytd only)* | 31.0933% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 2,588 |
| Loan loss allowance to noncurrent loans | 65.7895% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.8994% | 3,622 |
| Noncurrent loans to loans | 2.8024% | 2,850 |
| Net loans and leases to total assets | 50.3247% | 6,396 |
| Net loans and leases to deposits | 57.9250% | 6,579 |
| Net loans and leases to core deposits | 62.8239% | 6,489 |
| Total domestic deposits to total assets | 86.8791% | 2,602 |
| Equity capital to assets | 12.9400% | 1,596 |
| Core capital (leverage) ratio | 12.7854% | 1,289 |
| Tier 1 risk-based capital ratio | 22.0105% | 1,199 |
| Total risk-based capital ratio | 23.2646% | 1,174 |
| Memoranda: | ||
| Average total assets | $134,732,330 | 4,249 |
| Average earning assets | $126,732,330 | 4,162 |
| Average equity | $17,136,330 | 3,612 |
| Average total loans | $68,011,330 | 4,861 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2185% | 3,922 |
| Cost of funding earning assets | 1.8956% | 1,468 |
| Net interest margin | 3.3229% | 5,893 |
| Noninterest income to average assets | 0.3921% | 4,982 |
| Noninterest expense to average assets | 1.6219% | 7,639 |
| Loan and lease loss provision to assets | 0.3565% | 3,238 |
| Net operating income to assets | 1.5328% | 841 |
| Return on assets (ROA) | 1.5328% | 908 |
| Pretax return on assets | 1.5328% | 1,437 |
| Return on Equity (ROE) | 12.1573% | 1,454 |
| Retained earnings to average equity (ytd only) | 8.3876% | 1,563 |
| Net charge-offs to loans | 0.2076% | 3,671 |
| Credit loss provision to net charge-offs | 342.8571% | 1,175 |
| Earnings coverage of net charge-offs (x) | 18.1714% | 1,244 |
| Efficiency ratio | 46.1929% | 7,541 |
| Assets per employee ($millions) | 5.4601% | 1,706 |
| Cash dividends to net income (ytd only)* | 31.0078% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 3,026 |
| Loan loss allowance to noncurrent loans | 58.6538% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.9047% | 3,629 |
| Noncurrent loans to loans | 2.9159% | 2,761 |
| Net loans and leases to total assets | 48.7953% | 6,593 |
| Net loans and leases to deposits | 55.9135% | 6,780 |
| Net loans and leases to core deposits | 60.6997% | 6,695 |
| Total domestic deposits to total assets | 87.2691% | 2,485 |
| Equity capital to assets | 12.5587% | 1,723 |
| Core capital (leverage) ratio | 12.8268% | 1,283 |
| Tier 1 risk-based capital ratio | 21.7282% | 1,234 |
| Total risk-based capital ratio | 22.9812% | 1,224 |
| Memoranda: | ||
| Average total assets | $134,656,500 | 4,310 |
| Average earning assets | $126,397,500 | 4,233 |
| Average equity | $16,977,500 | 3,659 |
| Average total loans | $67,439,500 | 4,950 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6095% | 3,556 |
| Cost of funding earning assets | 2.2801% | 1,728 |
| Net interest margin | 3.3293% | 5,623 |
| Noninterest income to average assets | 0.4477% | 4,829 |
| Noninterest expense to average assets | 1.9274% | 7,460 |
| Loan and lease loss provision to assets | 0.2032% | 5,715 |
| Net operating income to assets | 1.4582% | 738 |
| Return on assets (ROA) | 1.4582% | 803 |
| Pretax return on assets | 1.4582% | 1,295 |
| Return on Equity (ROE) | 11.3162% | 1,350 |
| Retained earnings to average equity (ytd only) | 7.2505% | 889 |
| Net charge-offs to loans | 0.3040% | 4,731 |
| Credit loss provision to net charge-offs | 128.0000% | 4,038 |
| Earnings coverage of net charge-offs (x) | 10.4650% | 1,686 |
| Efficiency ratio | 53.7049% | 7,257 |
| Assets per employee ($millions) | 5.1081% | 2,067 |
| Cash dividends to net income (ytd only)* | 35.9281% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 3,280 |
| Loan loss allowance to noncurrent loans | 118.5430% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8478% | 5,411 |
| Noncurrent loans to loans | 1.3500% | 4,669 |
| Net loans and leases to total assets | 49.7244% | 6,670 |
| Net loans and leases to deposits | 57.0398% | 6,849 |
| Net loans and leases to core deposits | 68.6077% | 6,844 |
| Total domestic deposits to total assets | 87.1749% | 2,403 |
| Equity capital to assets | 12.6587% | 1,671 |
| Core capital (leverage) ratio | 12.6733% | 1,364 |
| Tier 1 risk-based capital ratio | 21.6075% | 1,200 |
| Total risk-based capital ratio | 22.8517% | 1,178 |
| Memoranda: | ||
| Average total assets | $125,976,000 | 4,431 |
| Average earning assets | $118,853,000 | 4,333 |
| Average equity | $16,233,400 | 3,833 |
| Average total loans | $65,788,000 | 5,030 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5618% | 4,091 |
| Cost of funding earning assets | 2.3466% | 1,824 |
| Net interest margin | 3.2153% | 5,962 |
| Noninterest income to average assets | 0.4710% | 4,744 |
| Noninterest expense to average assets | 1.9506% | 7,465 |
| Loan and lease loss provision to assets | 0.1631% | 5,721 |
| Net operating income to assets | 1.3873% | 1,056 |
| Return on assets (ROA) | 1.3873% | 1,118 |
| Pretax return on assets | 1.3873% | 1,734 |
| Return on Equity (ROE) | 10.7153% | 1,703 |
| Retained earnings to average equity (ytd only) | 6.5717% | 1,676 |
| Net charge-offs to loans | 0.0346% | 6,408 |
| Credit loss provision to net charge-offs | 894.1176% | 425 |
| Earnings coverage of net charge-offs (x) | 84.9854% | 405 |
| Efficiency ratio | 55.7156% | 7,040 |
| Assets per employee ($millions) | 4.9689% | 2,189 |
| Cash dividends to net income (ytd only)* | 38.6697% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 2,577 |
| Loan loss allowance to noncurrent loans | 67.5454% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.6967% | 3,832 |
| Noncurrent loans to loans | 2.5364% | 2,975 |
| Net loans and leases to total assets | 51.2002% | 6,683 |
| Net loans and leases to deposits | 58.8236% | 6,911 |
| Net loans and leases to core deposits | 71.4065% | 6,880 |
| Total domestic deposits to total assets | 87.0401% | 2,165 |
| Equity capital to assets | 12.7346% | 1,811 |
| Core capital (leverage) ratio | 12.8240% | 1,436 |
| Tier 1 risk-based capital ratio | 21.3305% | 1,319 |
| Total risk-based capital ratio | 22.5837% | 1,291 |
| Memoranda: | ||
| Average total assets | $124,267,500 | 4,493 |
| Average earning assets | $117,104,500 | 4,403 |
| Average equity | $16,088,750 | 3,893 |
| Average total loans | $65,456,750 | 5,088 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5907% | 4,122 |
| Cost of funding earning assets | 2.3602% | 2,122 |
| Net interest margin | 3.2304% | 5,805 |
| Noninterest income to average assets | 0.4665% | 4,735 |
| Noninterest expense to average assets | 1.9882% | 7,484 |
| Loan and lease loss provision to assets | 0.1272% | 5,831 |
| Net operating income to assets | 1.4026% | 1,028 |
| Return on assets (ROA) | 1.4026% | 1,094 |
| Pretax return on assets | 1.4026% | 1,718 |
| Return on Equity (ROE) | 10.7718% | 1,762 |
| Retained earnings to average equity (ytd only) | 6.5132% | 1,788 |
| Net charge-offs to loans | -0.1049% | 7,957 |
| Credit loss provision to net charge-offs | -229.4118% | 6,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5137% | 7,053 |
| Assets per employee ($millions) | 4.8263% | 2,287 |
| Cash dividends to net income (ytd only)* | 39.5349% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 2,268 |
| Loan loss allowance to noncurrent loans | 71.3384% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.6488% | 3,732 |
| Noncurrent loans to loans | 2.4136% | 2,998 |
| Net loans and leases to total assets | 51.3986% | 6,748 |
| Net loans and leases to deposits | 59.1873% | 6,950 |
| Net loans and leases to core deposits | 72.1443% | 6,887 |
| Total domestic deposits to total assets | 86.8406% | 2,339 |
| Equity capital to assets | 12.8909% | 1,740 |
| Core capital (leverage) ratio | 13.0184% | 1,424 |
| Tier 1 risk-based capital ratio | 21.3325% | 1,342 |
| Total risk-based capital ratio | 22.5859% | 1,313 |
| Memoranda: | ||
| Average total assets | $122,626,330 | 4,564 |
| Average earning assets | $115,836,000 | 4,466 |
| Average equity | $15,967,670 | 3,928 |
| Average total loans | $64,842,670 | 5,144 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 4,597 |
| Cost of funding earning assets | 2.3744% | 2,397 |
| Net interest margin | 3.1833% | 5,909 |
| Noninterest income to average assets | 0.5281% | 4,074 |
| Noninterest expense to average assets | 1.8746% | 7,597 |
| Loan and lease loss provision to assets | 0.1782% | 4,677 |
| Net operating income to assets | 1.4885% | 961 |
| Return on assets (ROA) | 1.4885% | 1,031 |
| Pretax return on assets | 1.4885% | 1,702 |
| Return on Equity (ROE) | 11.3720% | 1,854 |
| Retained earnings to average equity (ytd only) | 11.3720% | 911 |
| Net charge-offs to loans | -0.0497% | 7,696 |
| Credit loss provision to net charge-offs | -675.0000% | 6,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9357% | 7,320 |
| Assets per employee ($millions) | 4.7695% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6866% | 2,184 |
| Loan loss allowance to noncurrent loans | 113.5647% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1685% | 4,333 |
| Noncurrent loans to loans | 1.4851% | 4,067 |
| Net loans and leases to total assets | 50.7669% | 6,789 |
| Net loans and leases to deposits | 58.5069% | 7,003 |
| Net loans and leases to core deposits | 71.8998% | 6,918 |
| Total domestic deposits to total assets | 86.7708% | 2,327 |
| Equity capital to assets | 12.9849% | 1,751 |
| Core capital (leverage) ratio | 13.4329% | 1,345 |
| Tier 1 risk-based capital ratio | 21.8456% | 1,319 |
| Total risk-based capital ratio | 23.0978% | 1,290 |
| Memoranda: | ||
| Average total assets | $121,197,500 | 4,613 |
| Average earning assets | $114,723,000 | 4,514 |
| Average equity | $15,863,500 | 3,973 |
| Average total loans | $64,450,500 | 5,185 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0644% | 5,234 |
| Cost of funding earning assets | 2.7161% | 3,087 |
| Net interest margin | 3.3482% | 5,871 |
| Noninterest income to average assets | 0.4972% | 4,633 |
| Noninterest expense to average assets | 1.9184% | 7,581 |
| Loan and lease loss provision to assets | 0.2829% | 4,129 |
| Net operating income to assets | 1.4976% | 1,020 |
| Return on assets (ROA) | 1.4976% | 984 |
| Pretax return on assets | 1.4993% | 1,687 |
| Return on Equity (ROE) | 11.3900% | 1,793 |
| Retained earnings to average equity (ytd only) | 6.7377% | 1,248 |
| Net charge-offs to loans | 0.3908% | 2,865 |
| Credit loss provision to net charge-offs | 127.8431% | 4,173 |
| Earnings coverage of net charge-offs (x) | 8.0549% | 2,948 |
| Efficiency ratio | 51.8406% | 7,505 |
| Assets per employee ($millions) | 4.5534% | 2,531 |
| Cash dividends to net income (ytd only)* | 40.8459% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 2,359 |
| Loan loss allowance to noncurrent loans | 94.0905% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 3,996 |
| Noncurrent loans to loans | 1.6696% | 3,265 |
| Net loans and leases to total assets | 53.9307% | 6,661 |
| Net loans and leases to deposits | 62.3084% | 6,919 |
| Net loans and leases to core deposits | 77.4159% | 6,776 |
| Total domestic deposits to total assets | 86.5545% | 2,156 |
| Equity capital to assets | 13.1980% | 1,712 |
| Core capital (leverage) ratio | 13.2547% | 1,458 |
| Tier 1 risk-based capital ratio | 21.4084% | 1,406 |
| Total risk-based capital ratio | 22.6615% | 1,369 |
| Memoranda: | ||
| Average total assets | $115,251,400 | 4,630 |
| Average earning assets | $110,267,000 | 4,509 |
| Average equity | $15,153,600 | 4,113 |
| Average total loans | $65,254,800 | 5,049 |