Home > Chino Commercial Bank, N.A. > Performance and Condition Ratios
Chino Commercial Bank, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 3,027 |
| Cost of funding earning assets | 1.2347% | 2,714 |
| Net interest margin | 3.3070% | 2,616 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 1.9344% | 3,767 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.2614% | 1,521 |
| Return on assets (ROA) | 1.2614% | 1,487 |
| Pretax return on assets | 1.7658% | 931 |
| Return on Equity (ROE) | 13.5000% | 1,603 |
| Retained earnings to average equity (ytd only) | 11.0692% | 778 |
| Net charge-offs to loans | -0.0241% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.5359% | 3,786 |
| Assets per employee ($millions) | 7.5734% | 1,673 |
| Cash dividends to net income (ytd only)* | 17.9888% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4975% | 193 |
| Loan loss allowance to noncurrent loans | 907.7236% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 2,808 |
| Noncurrent loans to loans | 0.2751% | 2,194 |
| Net loans and leases to total assets | 39.0200% | 4,071 |
| Net loans and leases to deposits | 53.4239% | 3,819 |
| Net loans and leases to core deposits | 54.6048% | 3,959 |
| Total domestic deposits to total assets | 73.0400% | 4,164 |
| Equity capital to assets | 9.7789% | 2,139 |
| Core capital (leverage) ratio | 9.9482% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $440,696,000 | 1,892 |
| Average earning assets | $413,545,400 | 1,862 |
| Average equity | $41,186,400 | 1,841 |
| Average total loans | $178,271,000 | 2,460 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 3,042 |
| Cost of funding earning assets | 1.1187% | 2,691 |
| Net interest margin | 3.3096% | 2,658 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 1.9291% | 3,760 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.2657% | 1,617 |
| Return on assets (ROA) | 1.2657% | 1,606 |
| Pretax return on assets | 1.7718% | 1,045 |
| Return on Equity (ROE) | 13.7000% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.2392% | 1,120 |
| Net charge-offs to loans | -0.0217% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.4777% | 3,721 |
| Assets per employee ($millions) | 8.0220% | 1,337 |
| Cash dividends to net income (ytd only)* | 17.9899% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5046% | 194 |
| Loan loss allowance to noncurrent loans | 884.6918% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 2,855 |
| Noncurrent loans to loans | 0.2831% | 2,224 |
| Net loans and leases to total assets | 37.2300% | 4,145 |
| Net loans and leases to deposits | 49.8098% | 3,941 |
| Net loans and leases to core deposits | 50.8929% | 4,013 |
| Total domestic deposits to total assets | 74.7400% | 4,108 |
| Equity capital to assets | 9.0342% | 2,392 |
| Core capital (leverage) ratio | 9.5981% | 3,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $439,162,250 | 1,891 |
| Average earning assets | $411,878,000 | 1,864 |
| Average equity | $40,559,250 | 1,849 |
| Average total loans | $178,134,250 | 2,465 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2839% | 3,124 |
| Cost of funding earning assets | 0.9454% | 2,792 |
| Net interest margin | 3.3385% | 2,667 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 1.9496% | 3,712 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 1.2754% | 1,630 |
| Return on assets (ROA) | 1.2754% | 1,620 |
| Pretax return on assets | 1.7855% | 1,041 |
| Return on Equity (ROE) | 13.7000% | 1,747 |
| Retained earnings to average equity (ytd only) | 11.2060% | 1,150 |
| Net charge-offs to loans | -0.0348% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.7732% | 3,716 |
| Assets per employee ($millions) | 8.0882% | 1,279 |
| Cash dividends to net income (ytd only)* | 18.2149% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5190% | 219 |
| Loan loss allowance to noncurrent loans | 853.1670% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 2,727 |
| Noncurrent loans to loans | 0.2953% | 2,079 |
| Net loans and leases to total assets | 37.9800% | 4,115 |
| Net loans and leases to deposits | 51.0377% | 3,877 |
| Net loans and leases to core deposits | 52.1825% | 3,945 |
| Total domestic deposits to total assets | 74.4100% | 4,164 |
| Equity capital to assets | 9.0781% | 2,457 |
| Core capital (leverage) ratio | 9.5829% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $430,457,333 | 1,918 |
| Average earning assets | $403,235,333 | 1,900 |
| Average equity | $40,067,667 | 1,878 |
| Average total loans | $178,287,667 | 2,462 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 3,438 |
| Cost of funding earning assets | 0.5988% | 3,390 |
| Net interest margin | 3.4101% | 2,605 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 1.9799% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2633% | 1,766 |
| Return on assets (ROA) | 1.2633% | 1,736 |
| Pretax return on assets | 1.7681% | 1,131 |
| Return on Equity (ROE) | 13.3900% | 1,905 |
| Retained earnings to average equity (ytd only) | 13.3932% | 1,031 |
| Net charge-offs to loans | -0.0335% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.8259% | 3,719 |
| Assets per employee ($millions) | 7.8377% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5418% | 214 |
| Loan loss allowance to noncurrent loans | 857.3055% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,671 |
| Noncurrent loans to loans | 0.2965% | 2,083 |
| Net loans and leases to total assets | 39.4700% | 4,062 |
| Net loans and leases to deposits | 53.3225% | 3,722 |
| Net loans and leases to core deposits | 54.4850% | 3,814 |
| Total domestic deposits to total assets | 74.0200% | 4,286 |
| Equity capital to assets | 9.1483% | 2,410 |
| Core capital (leverage) ratio | 10.5559% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $419,217,500 | 1,977 |
| Average earning assets | $392,133,000 | 1,963 |
| Average equity | $39,542,500 | 1,919 |
| Average total loans | $179,202,000 | 2,461 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 2,599 |
| Cost of funding earning assets | 0.1811% | 3,900 |
| Net interest margin | 3.4938% | 1,950 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 1.9546% | 3,698 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.3087% | 1,397 |
| Return on assets (ROA) | 1.3087% | 1,364 |
| Pretax return on assets | 1.8297% | 682 |
| Return on Equity (ROE) | 14.2300% | 1,482 |
| Retained earnings to average equity (ytd only) | 12.8811% | 527 |
| Net charge-offs to loans | -0.0398% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.1707% | 4,053 |
| Assets per employee ($millions) | 7.3986% | 1,686 |
| Cash dividends to net income (ytd only)* | 9.4913% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2701% | 277 |
| Loan loss allowance to noncurrent loans | 1,015.0990% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 2,833 |
| Noncurrent loans to loans | 0.2236% | 2,375 |
| Net loans and leases to total assets | 44.1900% | 3,884 |
| Net loans and leases to deposits | 51.3813% | 3,837 |
| Net loans and leases to core deposits | 52.2454% | 3,903 |
| Total domestic deposits to total assets | 86.0100% | 2,720 |
| Equity capital to assets | 9.7446% | 1,860 |
| Core capital (leverage) ratio | 10.1383% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $402,527,600 | 2,024 |
| Average earning assets | $377,235,600 | 1,996 |
| Average equity | $37,015,600 | 2,038 |
| Average total loans | $176,026,000 | 2,405 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5137% | 2,577 |
| Cost of funding earning assets | 0.1473% | 3,871 |
| Net interest margin | 3.3664% | 2,079 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.8862% | 3,777 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2610% | 1,490 |
| Return on assets (ROA) | 1.2610% | 1,457 |
| Pretax return on assets | 1.7638% | 794 |
| Return on Equity (ROE) | 13.9200% | 1,449 |
| Retained earnings to average equity (ytd only) | 13.0058% | 614 |
| Net charge-offs to loans | -0.0412% | 4,250 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.0469% | 4,083 |
| Assets per employee ($millions) | 7.7057% | 1,480 |
| Cash dividends to net income (ytd only)* | 6.5548% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2943% | 293 |
| Loan loss allowance to noncurrent loans | 989.8058% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 2,963 |
| Noncurrent loans to loans | 0.2318% | 2,461 |
| Net loans and leases to total assets | 41.7400% | 3,995 |
| Net loans and leases to deposits | 47.9891% | 3,952 |
| Net loans and leases to core deposits | 48.7881% | 4,008 |
| Total domestic deposits to total assets | 86.9700% | 2,775 |
| Equity capital to assets | 9.0328% | 2,190 |
| Core capital (leverage) ratio | 9.7325% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $403,278,500 | 2,031 |
| Average earning assets | $378,317,750 | 2,013 |
| Average equity | $36,536,500 | 2,087 |
| Average total loans | $174,868,500 | 2,423 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3808% | 2,491 |
| Cost of funding earning assets | 0.1335% | 3,799 |
| Net interest margin | 3.2473% | 2,062 |
| Noninterest income to average assets | 0.5283% | 2,049 |
| Noninterest expense to average assets | 1.8737% | 3,771 |
| Loan and lease loss provision to assets | 0.0216% | 2,215 |
| Net operating income to assets | 1.2035% | 1,415 |
| Return on assets (ROA) | 1.2035% | 1,399 |
| Pretax return on assets | 1.6822% | 785 |
| Return on Equity (ROE) | 13.2701% | 1,302 |
| Retained earnings to average equity (ytd only) | 13.2701% | 439 |
| Net charge-offs to loans | -0.0449% | 4,196 |
| Credit loss provision to net charge-offs | -110.2564% | 3,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3749% | 4,096 |
| Assets per employee ($millions) | 7.8157% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3097% | 325 |
| Loan loss allowance to noncurrent loans | 931.9249% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 2,980 |
| Noncurrent loans to loans | 0.2478% | 2,490 |
| Net loans and leases to total assets | 41.3153% | 4,017 |
| Net loans and leases to deposits | 47.5737% | 3,939 |
| Net loans and leases to core deposits | 48.3375% | 4,012 |
| Total domestic deposits to total assets | 86.8448% | 2,999 |
| Equity capital to assets | 9.0407% | 2,361 |
| Core capital (leverage) ratio | 9.6255% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $399,002,333 | 2,055 |
| Average earning assets | $374,644,333 | 2,050 |
| Average equity | $36,186,667 | 2,150 |
| Average total loans | $173,910,000 | 2,434 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9573% | 3,378 |
| Cost of funding earning assets | 0.1314% | 3,750 |
| Net interest margin | 2.8259% | 3,057 |
| Noninterest income to average assets | 0.5080% | 2,104 |
| Noninterest expense to average assets | 1.9135% | 3,651 |
| Loan and lease loss provision to assets | -0.2074% | 4,690 |
| Net operating income to assets | 1.0443% | 1,710 |
| Return on assets (ROA) | 1.0443% | 1,708 |
| Pretax return on assets | 1.4561% | 1,112 |
| Return on Equity (ROE) | 11.4959% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.4959% | 684 |
| Net charge-offs to loans | -0.0457% | 4,226 |
| Credit loss provision to net charge-offs | 1,025.0000% | 323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5120% | 3,434 |
| Assets per employee ($millions) | 7.4984% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1150% | 506 |
| Loan loss allowance to noncurrent loans | 855.1963% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 3,075 |
| Noncurrent loans to loans | 0.2473% | 2,602 |
| Net loans and leases to total assets | 41.5553% | 3,911 |
| Net loans and leases to deposits | 47.6238% | 3,897 |
| Net loans and leases to core deposits | 48.3728% | 3,966 |
| Total domestic deposits to total assets | 87.2575% | 2,828 |
| Equity capital to assets | 8.6556% | 3,019 |
| Core capital (leverage) ratio | 9.6572% | 2,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $395,295,500 | 2,073 |
| Average earning assets | $371,285,000 | 2,068 |
| Average equity | $35,908,500 | 2,218 |
| Average total loans | $174,924,000 | 2,420 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 3,039 |
| Cost of funding earning assets | 0.1676% | 3,799 |
| Net interest margin | 3.1873% | 2,636 |
| Noninterest income to average assets | 0.5701% | 2,280 |
| Noninterest expense to average assets | 2.0038% | 3,663 |
| Loan and lease loss provision to assets | 0.1573% | 759 |
| Net operating income to assets | 1.0050% | 2,650 |
| Return on assets (ROA) | 1.0050% | 2,719 |
| Pretax return on assets | 1.3953% | 2,070 |
| Return on Equity (ROE) | 10.7775% | 2,246 |
| Retained earnings to average equity (ytd only) | 7.7209% | 1,654 |
| Net charge-offs to loans | -0.0345% | 4,171 |
| Credit loss provision to net charge-offs | -849.2308% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3437% | 3,663 |
| Assets per employee ($millions) | 6.7532% | 2,103 |
| Cash dividends to net income (ytd only)* | 28.3607% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2247% | 435 |
| Loan loss allowance to noncurrent loans | 4,092.6316% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 3,876 |
| Noncurrent loans to loans | 0.0544% | 3,689 |
| Net loans and leases to total assets | 45.1844% | 3,752 |
| Net loans and leases to deposits | 52.5615% | 3,700 |
| Net loans and leases to core deposits | 53.6669% | 3,779 |
| Total domestic deposits to total assets | 85.9648% | 2,926 |
| Equity capital to assets | 9.5511% | 3,100 |
| Core capital (leverage) ratio | 9.7719% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,833,000 | 2,192 |
| Average earning assets | $328,715,800 | 2,194 |
| Average equity | $32,716,400 | 2,397 |
| Average total loans | $188,231,600 | 2,316 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 2,855 |
| Cost of funding earning assets | 0.1768% | 3,852 |
| Net interest margin | 3.3160% | 2,369 |
| Noninterest income to average assets | 0.5554% | 2,391 |
| Noninterest expense to average assets | 1.9942% | 3,695 |
| Loan and lease loss provision to assets | 0.2148% | 462 |
| Net operating income to assets | 1.0422% | 2,760 |
| Return on assets (ROA) | 1.0422% | 2,826 |
| Pretax return on assets | 1.4511% | 2,146 |
| Return on Equity (ROE) | 11.2512% | 2,290 |
| Retained earnings to average equity (ytd only) | 8.1131% | 2,018 |
| Net charge-offs to loans | -0.0362% | 4,215 |
| Credit loss provision to net charge-offs | -1,065.3846% | 3,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4848% | 3,729 |
| Assets per employee ($millions) | 6.9757% | 1,886 |
| Cash dividends to net income (ytd only)* | 27.8914% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1423% | 499 |
| Loan loss allowance to noncurrent loans | 3,877.0000% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 3,995 |
| Noncurrent loans to loans | 0.0553% | 3,831 |
| Net loans and leases to total assets | 47.9005% | 3,636 |
| Net loans and leases to deposits | 55.8422% | 3,588 |
| Net loans and leases to core deposits | 57.1288% | 3,693 |
| Total domestic deposits to total assets | 85.7784% | 2,835 |
| Equity capital to assets | 9.6802% | 3,211 |
| Core capital (leverage) ratio | 10.0039% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $343,997,000 | 2,250 |
| Average earning assets | $322,064,750 | 2,243 |
| Average equity | $31,865,500 | 2,465 |
| Average total loans | $191,598,250 | 2,335 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 2,540 |
| Cost of funding earning assets | 0.1902% | 3,851 |
| Net interest margin | 3.4374% | 2,042 |
| Noninterest income to average assets | 0.5509% | 2,401 |
| Noninterest expense to average assets | 2.0255% | 3,620 |
| Loan and lease loss provision to assets | 0.2170% | 493 |
| Net operating income to assets | 1.0977% | 2,560 |
| Return on assets (ROA) | 1.0977% | 2,626 |
| Pretax return on assets | 1.5312% | 1,922 |
| Return on Equity (ROE) | 12.0493% | 2,040 |
| Retained earnings to average equity (ytd only) | 8.7768% | 1,788 |
| Net charge-offs to loans | -0.0328% | 4,195 |
| Credit loss provision to net charge-offs | -1,137.5000% | 3,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6736% | 3,843 |
| Assets per employee ($millions) | 7.0590% | 1,760 |
| Cash dividends to net income (ytd only)* | 27.1592% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9263% | 700 |
| Loan loss allowance to noncurrent loans | 3,560.1942% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 4,065 |
| Noncurrent loans to loans | 0.0541% | 3,904 |
| Net loans and leases to total assets | 52.8974% | 3,266 |
| Net loans and leases to deposits | 62.0394% | 3,198 |
| Net loans and leases to core deposits | 63.5480% | 3,329 |
| Total domestic deposits to total assets | 85.2642% | 2,997 |
| Equity capital to assets | 9.9648% | 2,882 |
| Core capital (leverage) ratio | 10.1115% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $335,425,333 | 2,279 |
| Average earning assets | $314,479,000 | 2,265 |
| Average equity | $30,557,667 | 2,507 |
| Average total loans | $195,140,667 | 2,311 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 2,151 |
| Cost of funding earning assets | 0.2061% | 3,858 |
| Net interest margin | 3.5753% | 1,648 |
| Noninterest income to average assets | 0.5265% | 2,493 |
| Noninterest expense to average assets | 2.1221% | 3,352 |
| Loan and lease loss provision to assets | 0.2461% | 435 |
| Net operating income to assets | 1.0874% | 2,521 |
| Return on assets (ROA) | 1.0874% | 2,595 |
| Pretax return on assets | 1.5147% | 1,954 |
| Return on Equity (ROE) | 12.5730% | 1,804 |
| Retained earnings to average equity (ytd only) | 12.5730% | 1,011 |
| Net charge-offs to loans | -0.0304% | 4,174 |
| Credit loss provision to net charge-offs | -1,340.0000% | 3,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6515% | 3,717 |
| Assets per employee ($millions) | 7.0539% | 1,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7347% | 973 |
| Loan loss allowance to noncurrent loans | 3,290.5660% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 4,138 |
| Noncurrent loans to loans | 0.0527% | 4,027 |
| Net loans and leases to total assets | 58.3542% | 2,763 |
| Net loans and leases to deposits | 69.9165% | 2,514 |
| Net loans and leases to core deposits | 71.6372% | 2,733 |
| Total domestic deposits to total assets | 83.4627% | 3,577 |
| Equity capital to assets | 8.6093% | 4,039 |
| Core capital (leverage) ratio | 8.9915% | 3,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,662,500 | 2,307 |
| Average earning assets | $306,656,500 | 2,292 |
| Average equity | $28,251,000 | 2,652 |
| Average total loans | $197,526,500 | 2,299 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 2,680 |
| Cost of funding earning assets | 0.3135% | 4,068 |
| Net interest margin | 3.7024% | 1,790 |
| Noninterest income to average assets | 0.5583% | 2,384 |
| Noninterest expense to average assets | 2.2885% | 3,436 |
| Loan and lease loss provision to assets | 0.2755% | 1,394 |
| Net operating income to assets | 1.0264% | 2,194 |
| Return on assets (ROA) | 1.0264% | 2,335 |
| Pretax return on assets | 1.4399% | 1,541 |
| Return on Equity (ROE) | 10.8230% | 1,696 |
| Retained earnings to average equity (ytd only) | 7.7764% | 1,122 |
| Net charge-offs to loans | -0.0681% | 4,734 |
| Credit loss provision to net charge-offs | -652.1368% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1570% | 3,837 |
| Assets per employee ($millions) | 6.1714% | 2,193 |
| Cash dividends to net income (ytd only)* | 28.1492% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6867% | 1,071 |
| Loan loss allowance to noncurrent loans | 3,029.6296% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 4,188 |
| Noncurrent loans to loans | 0.0557% | 4,069 |
| Net loans and leases to total assets | 60.5943% | 2,781 |
| Net loans and leases to deposits | 73.1919% | 2,571 |
| Net loans and leases to core deposits | 75.8783% | 2,738 |
| Total domestic deposits to total assets | 82.7883% | 3,468 |
| Equity capital to assets | 8.6904% | 4,298 |
| Core capital (leverage) ratio | 8.6275% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,901,400 | 2,420 |
| Average earning assets | $257,699,600 | 2,419 |
| Average equity | $26,259,000 | 2,727 |
| Average total loans | $171,930,400 | 2,473 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 2,962 |
| Cost of funding earning assets | 0.3449% | 4,085 |
| Net interest margin | 3.6591% | 2,068 |
| Noninterest income to average assets | 0.5648% | 2,326 |
| Noninterest expense to average assets | 2.3182% | 3,373 |
| Loan and lease loss provision to assets | 0.1806% | 2,178 |
| Net operating income to assets | 1.0434% | 2,177 |
| Return on assets (ROA) | 1.0434% | 2,301 |
| Pretax return on assets | 1.4667% | 1,524 |
| Return on Equity (ROE) | 10.7390% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.6604% | 1,433 |
| Net charge-offs to loans | -0.0817% | 4,787 |
| Credit loss provision to net charge-offs | -354.9020% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4612% | 3,604 |
| Assets per employee ($millions) | 6.1904% | 2,094 |
| Cash dividends to net income (ytd only)* | 28.6670% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,405 |
| Loan loss allowance to noncurrent loans | 2,572.0721% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,270 |
| Noncurrent loans to loans | 0.0580% | 4,144 |
| Net loans and leases to total assets | 62.1346% | 2,990 |
| Net loans and leases to deposits | 77.0080% | 2,650 |
| Net loans and leases to core deposits | 80.0539% | 2,837 |
| Total domestic deposits to total assets | 80.6858% | 3,727 |
| Equity capital to assets | 8.8418% | 4,224 |
| Core capital (leverage) ratio | 8.7125% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,442,000 | 2,455 |
| Average earning assets | $248,539,750 | 2,463 |
| Average equity | $25,985,750 | 2,734 |
| Average total loans | $166,416,500 | 2,521 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 2,952 |
| Cost of funding earning assets | 0.3969% | 4,044 |
| Net interest margin | 3.7392% | 2,030 |
| Noninterest income to average assets | 0.5989% | 2,131 |
| Noninterest expense to average assets | 2.4346% | 3,157 |
| Loan and lease loss provision to assets | 0.1119% | 2,893 |
| Net operating income to assets | 1.0788% | 2,039 |
| Return on assets (ROA) | 1.0788% | 2,165 |
| Pretax return on assets | 1.5187% | 1,411 |
| Return on Equity (ROE) | 10.7205% | 1,733 |
| Retained earnings to average equity (ytd only) | 7.6086% | 1,430 |
| Net charge-offs to loans | -0.1113% | 4,867 |
| Credit loss provision to net charge-offs | -162.5000% | 3,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8883% | 3,421 |
| Assets per employee ($millions) | 6.3348% | 1,921 |
| Cash dividends to net income (ytd only)* | 29.0276% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,530 |
| Loan loss allowance to noncurrent loans | 2,280.8696% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,355 |
| Noncurrent loans to loans | 0.0621% | 4,231 |
| Net loans and leases to total assets | 60.0335% | 3,325 |
| Net loans and leases to deposits | 74.2662% | 3,053 |
| Net loans and leases to core deposits | 76.9763% | 3,196 |
| Total domestic deposits to total assets | 80.8357% | 3,646 |
| Equity capital to assets | 8.6700% | 4,374 |
| Core capital (leverage) ratio | 9.4259% | 3,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,478,667 | 2,510 |
| Average earning assets | $236,844,333 | 2,511 |
| Average equity | $25,707,667 | 2,739 |
| Average total loans | $158,112,333 | 2,581 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 2,161 |
| Cost of funding earning assets | 0.5377% | 3,759 |
| Net interest margin | 4.0105% | 1,364 |
| Noninterest income to average assets | 0.7440% | 1,478 |
| Noninterest expense to average assets | 2.7147% | 2,670 |
| Loan and lease loss provision to assets | 0.0917% | 2,541 |
| Net operating income to assets | 1.1627% | 1,648 |
| Return on assets (ROA) | 1.1627% | 1,760 |
| Pretax return on assets | 1.6281% | 996 |
| Return on Equity (ROE) | 10.5910% | 1,537 |
| Retained earnings to average equity (ytd only) | 7.4389% | 1,397 |
| Net charge-offs to loans | -0.2213% | 4,954 |
| Credit loss provision to net charge-offs | -66.2500% | 3,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2173% | 3,586 |
| Assets per employee ($millions) | 4.9565% | 2,696 |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 811 |
| Loan loss allowance to noncurrent loans | 2,195.6522% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,351 |
| Noncurrent loans to loans | 0.0792% | 4,196 |
| Net loans and leases to total assets | 61.2546% | 3,377 |
| Net loans and leases to deposits | 76.8777% | 2,995 |
| Net loans and leases to core deposits | 80.1937% | 3,178 |
| Total domestic deposits to total assets | 79.6780% | 3,918 |
| Equity capital to assets | 11.0215% | 2,838 |
| Core capital (leverage) ratio | 10.9117% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,183,000 | 2,616 |
| Average earning assets | $212,742,000 | 2,640 |
| Average equity | $25,380,000 | 2,753 |
| Average total loans | $144,585,000 | 2,685 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 2,097 |
| Cost of funding earning assets | 0.6095% | 3,601 |
| Net interest margin | 4.1728% | 1,367 |
| Noninterest income to average assets | 0.7801% | 1,516 |
| Noninterest expense to average assets | 2.9084% | 2,269 |
| Loan and lease loss provision to assets | 0.0128% | 3,758 |
| Net operating income to assets | 1.2146% | 2,005 |
| Return on assets (ROA) | 1.2486% | 1,964 |
| Pretax return on assets | 1.7326% | 1,102 |
| Return on Equity (ROE) | 11.2768% | 1,784 |
| Retained earnings to average equity (ytd only) | 7.5578% | 1,140 |
| Net charge-offs to loans | -0.0528% | 4,832 |
| Credit loss provision to net charge-offs | -38.8889% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0780% | 3,212 |
| Assets per employee ($millions) | 4.4983% | 3,221 |
| Cash dividends to net income (ytd only)* | 32.9791% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 867 |
| Loan loss allowance to noncurrent loans | 2,044.4444% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 4,379 |
| Noncurrent loans to loans | 0.0813% | 4,196 |
| Net loans and leases to total assets | 61.7047% | 3,430 |
| Net loans and leases to deposits | 77.5962% | 3,051 |
| Net loans and leases to core deposits | 80.9176% | 3,222 |
| Total domestic deposits to total assets | 79.5203% | 4,069 |
| Equity capital to assets | 10.9345% | 3,068 |
| Core capital (leverage) ratio | 10.6208% | 2,834 |
| Tier 1 risk-based capital ratio | 15.5701% | 2,555 |
| Total risk-based capital ratio | 16.8229% | 2,492 |
| Memoranda: | ||
| Average total assets | $218,570,200 | 2,670 |
| Average earning assets | $200,658,000 | 2,707 |
| Average equity | $24,200,200 | 2,775 |
| Average total loans | $136,259,000 | 2,763 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 1,894 |
| Cost of funding earning assets | 0.5951% | 3,724 |
| Net interest margin | 4.2799% | 1,204 |
| Noninterest income to average assets | 0.7875% | 1,454 |
| Noninterest expense to average assets | 2.8820% | 2,312 |
| Loan and lease loss provision to assets | 0.0198% | 3,508 |
| Net operating income to assets | 1.3037% | 1,844 |
| Return on assets (ROA) | 1.3496% | 1,717 |
| Pretax return on assets | 1.8709% | 932 |
| Return on Equity (ROE) | 12.1492% | 1,559 |
| Retained earnings to average equity (ytd only) | 9.9251% | 766 |
| Net charge-offs to loans | -0.0744% | 4,929 |
| Credit loss provision to net charge-offs | -42.6667% | 4,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1293% | 3,460 |
| Assets per employee ($millions) | 4.7062% | 2,909 |
| Cash dividends to net income (ytd only)* | 18.3066% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 624 |
| Loan loss allowance to noncurrent loans | 1,981.8182% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 4,455 |
| Noncurrent loans to loans | 0.0928% | 4,230 |
| Net loans and leases to total assets | 54.4106% | 4,146 |
| Net loans and leases to deposits | 67.8655% | 3,933 |
| Net loans and leases to core deposits | 71.7497% | 3,964 |
| Total domestic deposits to total assets | 80.1742% | 3,955 |
| Equity capital to assets | 10.6396% | 3,431 |
| Core capital (leverage) ratio | 10.9669% | 2,675 |
| Tier 1 risk-based capital ratio | 16.6823% | 2,193 |
| Total risk-based capital ratio | 17.9367% | 2,129 |
| Memoranda: | ||
| Average total assets | $215,859,750 | 2,715 |
| Average earning assets | $198,069,000 | 2,748 |
| Average equity | $23,979,000 | 2,809 |
| Average total loans | $134,336,250 | 2,810 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 1,611 |
| Cost of funding earning assets | 0.5595% | 3,841 |
| Net interest margin | 4.3917% | 957 |
| Noninterest income to average assets | 0.7976% | 1,355 |
| Noninterest expense to average assets | 2.8962% | 2,294 |
| Loan and lease loss provision to assets | 0.0392% | 3,035 |
| Net operating income to assets | 1.3628% | 1,536 |
| Return on assets (ROA) | 1.4338% | 1,385 |
| Pretax return on assets | 1.9783% | 704 |
| Return on Equity (ROE) | 12.7060% | 1,333 |
| Retained earnings to average equity (ytd only) | 9.3200% | 950 |
| Net charge-offs to loans | -0.0826% | 4,964 |
| Credit loss provision to net charge-offs | -73.2143% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0396% | 3,724 |
| Assets per employee ($millions) | 4.5171% | 3,113 |
| Cash dividends to net income (ytd only)* | 26.6489% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 798 |
| Loan loss allowance to noncurrent loans | 1,852.7132% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 4,460 |
| Noncurrent loans to loans | 0.0923% | 4,271 |
| Net loans and leases to total assets | 63.3464% | 3,415 |
| Net loans and leases to deposits | 76.6920% | 3,271 |
| Net loans and leases to core deposits | 80.2171% | 3,400 |
| Total domestic deposits to total assets | 82.5984% | 3,334 |
| Equity capital to assets | 11.2130% | 2,845 |
| Core capital (leverage) ratio | 11.5139% | 2,156 |
| Tier 1 risk-based capital ratio | 16.2138% | 2,321 |
| Total risk-based capital ratio | 17.4680% | 2,276 |
| Memoranda: | ||
| Average total assets | $209,376,670 | 2,792 |
| Average earning assets | $191,955,000 | 2,804 |
| Average equity | $23,626,670 | 2,831 |
| Average total loans | $135,638,000 | 2,810 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 1,531 |
| Cost of funding earning assets | 0.5068% | 4,030 |
| Net interest margin | 4.4172% | 863 |
| Noninterest income to average assets | 0.7683% | 1,369 |
| Noninterest expense to average assets | 2.9156% | 2,235 |
| Loan and lease loss provision to assets | 0.0895% | 1,921 |
| Net operating income to assets | 1.2934% | 1,717 |
| Return on assets (ROA) | 1.2934% | 1,759 |
| Pretax return on assets | 1.8147% | 951 |
| Return on Equity (ROE) | 11.4242% | 1,771 |
| Retained earnings to average equity (ytd only) | 4.5525% | 3,107 |
| Net charge-offs to loans | -0.0419% | 4,781 |
| Credit loss provision to net charge-offs | -328.5714% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4923% | 3,743 |
| Assets per employee ($millions) | 4.3629% | 3,393 |
| Cash dividends to net income (ytd only)* | 60.1504% | 1,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 63.5070% | 3,346 |
| Net loans and leases to deposits | 74.8391% | 3,373 |
| Net loans and leases to core deposits | 79.3758% | 3,418 |
| Total domestic deposits to total assets | 84.8580% | 2,730 |
| Equity capital to assets | 11.1858% | 2,672 |
| Core capital (leverage) ratio | 11.6451% | 2,025 |
| Tier 1 risk-based capital ratio | 16.5186% | 2,258 |
| Total risk-based capital ratio | 17.7738% | 2,208 |
| Memoranda: | ||
| Average total assets | $205,655,500 | 2,846 |
| Average earning assets | $188,625,500 | 2,867 |
| Average equity | $23,284,000 | 2,857 |
| Average total loans | $133,588,500 | 2,864 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 2,415 |
| Cost of funding earning assets | 0.3728% | 4,141 |
| Net interest margin | 4.1439% | 1,543 |
| Noninterest income to average assets | 0.7107% | 1,811 |
| Noninterest expense to average assets | 2.7212% | 2,957 |
| Loan and lease loss provision to assets | 0.0733% | 2,667 |
| Net operating income to assets | 1.2215% | 2,081 |
| Return on assets (ROA) | 1.2215% | 2,075 |
| Pretax return on assets | 1.7122% | 1,135 |
| Return on Equity (ROE) | 11.0138% | 2,077 |
| Retained earnings to average equity (ytd only) | 9.3835% | 759 |
| Net charge-offs to loans | -0.0406% | 4,903 |
| Credit loss provision to net charge-offs | -280.7692% | 4,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3811% | 3,790 |
| Assets per employee ($millions) | 4.2061% | 3,609 |
| Cash dividends to net income (ytd only)* | 14.8026% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 777 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 64.1612% | 3,341 |
| Net loans and leases to deposits | 75.0434% | 3,422 |
| Net loans and leases to core deposits | 77.6028% | 3,612 |
| Total domestic deposits to total assets | 85.4988% | 2,437 |
| Equity capital to assets | 11.4630% | 2,281 |
| Core capital (leverage) ratio | 11.8460% | 1,833 |
| Tier 1 risk-based capital ratio | 16.7361% | 2,155 |
| Total risk-based capital ratio | 17.9912% | 2,099 |
| Memoranda: | ||
| Average total assets | $199,100,800 | 2,879 |
| Average earning assets | $182,388,000 | 2,893 |
| Average equity | $22,081,400 | 2,892 |
| Average total loans | $128,094,800 | 2,900 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 2,489 |
| Cost of funding earning assets | 0.3596% | 4,120 |
| Net interest margin | 4.0831% | 1,682 |
| Noninterest income to average assets | 0.6949% | 1,884 |
| Noninterest expense to average assets | 2.6545% | 3,110 |
| Loan and lease loss provision to assets | 0.0961% | 2,057 |
| Net operating income to assets | 1.2009% | 2,235 |
| Return on assets (ROA) | 1.2009% | 2,236 |
| Pretax return on assets | 1.6834% | 1,316 |
| Return on Equity (ROE) | 10.9214% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.8213% | 980 |
| Net charge-offs to loans | -0.0325% | 4,780 |
| Credit loss provision to net charge-offs | -461.2903% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8666% | 3,831 |
| Assets per employee ($millions) | 4.3927% | 3,285 |
| Cash dividends to net income (ytd only)* | 10.0726% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 814 |
| Loan loss allowance to noncurrent loans | 350.6955% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 3,411 |
| Noncurrent loans to loans | 0.4957% | 2,905 |
| Net loans and leases to total assets | 63.4668% | 3,489 |
| Net loans and leases to deposits | 72.7290% | 3,706 |
| Net loans and leases to core deposits | 74.6154% | 3,902 |
| Total domestic deposits to total assets | 87.2649% | 1,617 |
| Equity capital to assets | 11.2020% | 2,472 |
| Core capital (leverage) ratio | 11.4935% | 2,169 |
| Tier 1 risk-based capital ratio | 16.3405% | 2,320 |
| Total risk-based capital ratio | 17.5954% | 2,265 |
| Memoranda: | ||
| Average total assets | $198,402,750 | 2,905 |
| Average earning assets | $181,688,500 | 2,928 |
| Average equity | $21,816,000 | 2,928 |
| Average total loans | $127,161,250 | 2,940 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 2,436 |
| Cost of funding earning assets | 0.3295% | 4,207 |
| Net interest margin | 4.0645% | 1,656 |
| Noninterest income to average assets | 0.6917% | 1,901 |
| Noninterest expense to average assets | 2.6645% | 3,120 |
| Loan and lease loss provision to assets | 0.1237% | 1,600 |
| Net operating income to assets | 1.1563% | 2,367 |
| Return on assets (ROA) | 1.1563% | 2,366 |
| Pretax return on assets | 1.6198% | 1,441 |
| Return on Equity (ROE) | 10.5835% | 2,287 |
| Retained earnings to average equity (ytd only) | 8.9124% | 1,249 |
| Net charge-offs to loans | -0.0222% | 4,607 |
| Credit loss provision to net charge-offs | -871.4286% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4464% | 3,876 |
| Assets per employee ($millions) | 4.4633% | 3,182 |
| Cash dividends to net income (ytd only)* | 15.7895% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 63.3610% | 3,470 |
| Net loans and leases to deposits | 74.4964% | 3,489 |
| Net loans and leases to core deposits | 77.1829% | 3,648 |
| Total domestic deposits to total assets | 85.0525% | 2,651 |
| Equity capital to assets | 10.9525% | 2,680 |
| Core capital (leverage) ratio | 11.6320% | 1,957 |
| Tier 1 risk-based capital ratio | 16.0340% | 2,424 |
| Total risk-based capital ratio | 17.2884% | 2,362 |
| Memoranda: | ||
| Average total assets | $197,182,670 | 2,931 |
| Average earning assets | $180,290,670 | 2,961 |
| Average equity | $21,543,000 | 2,961 |
| Average total loans | $126,044,330 | 2,966 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 2,377 |
| Cost of funding earning assets | 0.3384% | 4,076 |
| Net interest margin | 4.0045% | 1,715 |
| Noninterest income to average assets | 0.7003% | 1,831 |
| Noninterest expense to average assets | 2.6803% | 3,097 |
| Loan and lease loss provision to assets | 0.0819% | 2,155 |
| Net operating income to assets | 1.1405% | 2,256 |
| Return on assets (ROA) | 1.1405% | 2,270 |
| Pretax return on assets | 1.5971% | 1,402 |
| Return on Equity (ROE) | 10.4525% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.7636% | 1,550 |
| Net charge-offs to loans | -0.0322% | 4,774 |
| Credit loss provision to net charge-offs | -400.0000% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4843% | 3,876 |
| Assets per employee ($millions) | 4.4998% | 3,157 |
| Cash dividends to net income (ytd only)* | 16.1580% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 62.7598% | 3,451 |
| Net loans and leases to deposits | 77.4751% | 3,067 |
| Net loans and leases to core deposits | 83.8134% | 2,998 |
| Total domestic deposits to total assets | 81.0064% | 4,203 |
| Equity capital to assets | 10.8782% | 2,700 |
| Core capital (leverage) ratio | 11.4549% | 2,047 |
| Tier 1 risk-based capital ratio | 16.0012% | 2,473 |
| Total risk-based capital ratio | 17.2556% | 2,407 |
| Memoranda: | ||
| Average total assets | $195,349,500 | 2,974 |
| Average earning assets | $178,498,000 | 3,009 |
| Average equity | $21,315,500 | 3,013 |
| Average total loans | $124,321,000 | 3,009 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2468% | 2,511 |
| Cost of funding earning assets | 0.3463% | 3,747 |
| Net interest margin | 3.9006% | 2,087 |
| Noninterest income to average assets | 0.7233% | 1,872 |
| Noninterest expense to average assets | 2.5518% | 3,600 |
| Loan and lease loss provision to assets | 0.1095% | 2,056 |
| Net operating income to assets | 0.9269% | 2,565 |
| Return on assets (ROA) | 0.9269% | 2,591 |
| Pretax return on assets | 1.6008% | 1,286 |
| Return on Equity (ROE) | 9.7647% | 1,995 |
| Retained earnings to average equity (ytd only) | 7.7280% | 851 |
| Net charge-offs to loans | -0.0403% | 5,130 |
| Credit loss provision to net charge-offs | -443.4783% | 4,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8715% | 4,289 |
| Assets per employee ($millions) | 4.4815% | 3,213 |
| Cash dividends to net income (ytd only)* | 20.8575% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 62.3447% | 3,573 |
| Net loans and leases to deposits | 79.8148% | 2,939 |
| Net loans and leases to core deposits | 87.8090% | 2,742 |
| Total domestic deposits to total assets | 78.1117% | 4,698 |
| Equity capital to assets | 10.9457% | 2,679 |
| Core capital (leverage) ratio | 10.8862% | 2,437 |
| Tier 1 risk-based capital ratio | 16.0412% | 2,423 |
| Total risk-based capital ratio | 17.2954% | 2,357 |
| Memoranda: | ||
| Average total assets | $186,218,200 | 3,059 |
| Average earning assets | $168,949,000 | 3,091 |
| Average equity | $17,676,000 | 3,404 |
| Average total loans | $114,274,200 | 3,125 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 2,534 |
| Cost of funding earning assets | 0.3298% | 3,845 |
| Net interest margin | 3.8941% | 2,061 |
| Noninterest income to average assets | 0.7396% | 1,832 |
| Noninterest expense to average assets | 2.5171% | 3,672 |
| Loan and lease loss provision to assets | 0.0729% | 2,612 |
| Net operating income to assets | 1.0155% | 2,489 |
| Return on assets (ROA) | 1.0155% | 2,527 |
| Pretax return on assets | 1.6800% | 1,171 |
| Return on Equity (ROE) | 11.1440% | 1,632 |
| Retained earnings to average equity (ytd only) | 9.7174% | 646 |
| Net charge-offs to loans | -0.0416% | 5,105 |
| Credit loss provision to net charge-offs | -288.5714% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9479% | 4,365 |
| Assets per employee ($millions) | 4.7169% | 2,812 |
| Cash dividends to net income (ytd only)* | 12.8021% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 1,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 57.5809% | 4,100 |
| Net loans and leases to deposits | 71.5175% | 3,824 |
| Net loans and leases to core deposits | 78.7467% | 3,565 |
| Total domestic deposits to total assets | 80.5129% | 4,202 |
| Equity capital to assets | 8.8198% | 5,066 |
| Core capital (leverage) ratio | 9.1318% | 4,594 |
| Tier 1 risk-based capital ratio | 13.7592% | 3,546 |
| Total risk-based capital ratio | 15.0129% | 3,482 |
| Memoranda: | ||
| Average total assets | $184,596,250 | 3,095 |
| Average earning assets | $167,358,000 | 3,136 |
| Average equity | $16,821,750 | 3,536 |
| Average total loans | $112,283,500 | 3,181 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,406 |
| Cost of funding earning assets | 0.2883% | 4,207 |
| Net interest margin | 3.9305% | 1,838 |
| Noninterest income to average assets | 0.7541% | 1,749 |
| Noninterest expense to average assets | 2.5909% | 3,462 |
| Loan and lease loss provision to assets | 0.0555% | 2,864 |
| Net operating income to assets | 1.0073% | 2,388 |
| Return on assets (ROA) | 1.0073% | 2,431 |
| Pretax return on assets | 1.6658% | 1,136 |
| Return on Equity (ROE) | 10.9246% | 1,674 |
| Retained earnings to average equity (ytd only) | 8.7566% | 915 |
| Net charge-offs to loans | -0.0378% | 5,046 |
| Credit loss provision to net charge-offs | -238.0952% | 4,502 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0824% | 4,307 |
| Assets per employee ($millions) | 4.8669% | 2,564 |
| Cash dividends to net income (ytd only)* | 19.8456% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7246% | 1,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 60.6325% | 3,774 |
| Net loans and leases to deposits | 76.8728% | 3,238 |
| Net loans and leases to core deposits | 79.1125% | 3,497 |
| Total domestic deposits to total assets | 78.8738% | 4,646 |
| Equity capital to assets | 9.4277% | 4,487 |
| Core capital (leverage) ratio | 9.3808% | 4,254 |
| Tier 1 risk-based capital ratio | 13.9046% | 3,473 |
| Total risk-based capital ratio | 15.1581% | 3,395 |
| Memoranda: | ||
| Average total assets | $180,091,330 | 3,152 |
| Average earning assets | $163,033,670 | 3,200 |
| Average equity | $16,604,670 | 3,569 |
| Average total loans | $111,026,330 | 3,208 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 2,381 |
| Cost of funding earning assets | 0.2696% | 4,359 |
| Net interest margin | 3.9014% | 1,775 |
| Noninterest income to average assets | 0.7263% | 1,850 |
| Noninterest expense to average assets | 2.4964% | 3,817 |
| Loan and lease loss provision to assets | 0.1177% | 1,621 |
| Net operating income to assets | 0.9972% | 2,317 |
| Return on assets (ROA) | 0.9972% | 2,369 |
| Pretax return on assets | 1.6480% | 1,132 |
| Return on Equity (ROE) | 10.9389% | 1,592 |
| Retained earnings to average equity (ytd only) | 8.7462% | 1,171 |
| Net charge-offs to loans | -0.0396% | 5,074 |
| Credit loss provision to net charge-offs | -481.8182% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5722% | 4,653 |
| Assets per employee ($millions) | 4.7488% | 2,769 |
| Cash dividends to net income (ytd only)* | 20.0445% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 1,157 |
| Loan loss allowance to noncurrent loans | 365.7088% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 4,082 |
| Noncurrent loans to loans | 0.4629% | 3,434 |
| Net loans and leases to total assets | 59.8610% | 3,801 |
| Net loans and leases to deposits | 75.0330% | 3,298 |
| Net loans and leases to core deposits | 77.2929% | 3,534 |
| Total domestic deposits to total assets | 79.7796% | 4,664 |
| Equity capital to assets | 8.9604% | 4,846 |
| Core capital (leverage) ratio | 9.2729% | 4,379 |
| Tier 1 risk-based capital ratio | 13.5950% | 3,724 |
| Total risk-based capital ratio | 14.8486% | 3,635 |
| Memoranda: | ||
| Average total assets | $180,099,500 | 3,186 |
| Average earning assets | $163,222,000 | 3,227 |
| Average equity | $16,418,500 | 3,614 |
| Average total loans | $110,989,500 | 3,232 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 2,844 |
| Cost of funding earning assets | 0.2179% | 4,854 |
| Net interest margin | 3.8838% | 2,014 |
| Noninterest income to average assets | 0.7628% | 1,912 |
| Noninterest expense to average assets | 2.6441% | 3,546 |
| Loan and lease loss provision to assets | 0.1161% | 2,133 |
| Net operating income to assets | 0.9247% | 2,702 |
| Return on assets (ROA) | 0.9247% | 2,820 |
| Pretax return on assets | 1.5203% | 1,527 |
| Return on Equity (ROE) | 10.2288% | 1,871 |
| Retained earnings to average equity (ytd only) | 8.9446% | 600 |
| Net charge-offs to loans | 0.0216% | 3,616 |
| Credit loss provision to net charge-offs | 909.0909% | 415 |
| Earnings coverage of net charge-offs (x) | 128.1364% | 477 |
| Efficiency ratio | 61.7711% | 4,296 |
| Assets per employee ($millions) | 4.4871% | 3,132 |
| Cash dividends to net income (ytd only)* | 12.5549% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6895% | 1,165 |
| Loan loss allowance to noncurrent loans | 353.4483% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 4,080 |
| Noncurrent loans to loans | 0.4780% | 3,437 |
| Net loans and leases to total assets | 61.3503% | 3,675 |
| Net loans and leases to deposits | 77.8863% | 3,117 |
| Net loans and leases to core deposits | 80.4773% | 3,353 |
| Total domestic deposits to total assets | 78.7691% | 4,846 |
| Equity capital to assets | 9.2814% | 4,493 |
| Core capital (leverage) ratio | 9.2237% | 4,446 |
| Tier 1 risk-based capital ratio | 13.7976% | 3,582 |
| Total risk-based capital ratio | 15.0512% | 3,488 |
| Memoranda: | ||
| Average total assets | $172,269,200 | 3,258 |
| Average earning assets | $156,034,000 | 3,298 |
| Average equity | $15,573,600 | 3,750 |
| Average total loans | $101,978,000 | 3,354 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 3,079 |
| Cost of funding earning assets | 0.2134% | 4,943 |
| Net interest margin | 3.8254% | 2,244 |
| Noninterest income to average assets | 0.8073% | 1,736 |
| Noninterest expense to average assets | 2.5821% | 3,726 |
| Loan and lease loss provision to assets | 0.1274% | 1,837 |
| Net operating income to assets | 0.9526% | 2,635 |
| Return on assets (ROA) | 0.9526% | 2,782 |
| Pretax return on assets | 1.5665% | 1,475 |
| Return on Equity (ROE) | 10.6100% | 1,820 |
| Retained earnings to average equity (ytd only) | 9.3118% | 734 |
| Net charge-offs to loans | 0.0399% | 2,837 |
| Credit loss provision to net charge-offs | 546.6667% | 662 |
| Earnings coverage of net charge-offs (x) | 72.6648% | 841 |
| Efficiency ratio | 60.3852% | 4,484 |
| Assets per employee ($millions) | 4.6707% | 2,797 |
| Cash dividends to net income (ytd only)* | 12.2352% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 1,259 |
| Loan loss allowance to noncurrent loans | 335.3818% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 4,239 |
| Noncurrent loans to loans | 0.5017% | 3,500 |
| Net loans and leases to total assets | 57.7658% | 4,118 |
| Net loans and leases to deposits | 70.0174% | 3,984 |
| Net loans and leases to core deposits | 72.1475% | 4,146 |
| Total domestic deposits to total assets | 82.5020% | 3,778 |
| Equity capital to assets | 8.7523% | 5,361 |
| Core capital (leverage) ratio | 9.0349% | 4,793 |
| Tier 1 risk-based capital ratio | 13.9375% | 3,592 |
| Total risk-based capital ratio | 15.1913% | 3,514 |
| Memoranda: | ||
| Average total assets | $171,587,750 | 3,273 |
| Average earning assets | $155,586,250 | 3,317 |
| Average equity | $15,406,500 | 3,795 |
| Average total loans | $100,171,250 | 3,393 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1119% | 2,810 |
| Cost of funding earning assets | 0.2091% | 5,052 |
| Net interest margin | 3.9027% | 1,968 |
| Noninterest income to average assets | 0.8342% | 1,600 |
| Noninterest expense to average assets | 2.5907% | 3,751 |
| Loan and lease loss provision to assets | 0.1499% | 1,531 |
| Net operating income to assets | 0.9865% | 2,446 |
| Return on assets (ROA) | 0.9865% | 2,590 |
| Pretax return on assets | 1.6244% | 1,293 |
| Return on Equity (ROE) | 10.8881% | 1,689 |
| Retained earnings to average equity (ytd only) | 9.5747% | 696 |
| Net charge-offs to loans | 0.0879% | 1,965 |
| Credit loss provision to net charge-offs | 293.0233% | 981 |
| Earnings coverage of net charge-offs (x) | 34.6744% | 1,267 |
| Efficiency ratio | 59.3511% | 4,734 |
| Assets per employee ($millions) | 4.5750% | 2,904 |
| Cash dividends to net income (ytd only)* | 12.0627% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 1,264 |
| Loan loss allowance to noncurrent loans | 355.6911% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 4,389 |
| Noncurrent loans to loans | 0.4795% | 3,648 |
| Net loans and leases to total assets | 56.5319% | 4,250 |
| Net loans and leases to deposits | 71.1207% | 3,873 |
| Net loans and leases to core deposits | 73.0127% | 4,078 |
| Total domestic deposits to total assets | 79.4872% | 4,676 |
| Equity capital to assets | 8.7499% | 5,438 |
| Core capital (leverage) ratio | 9.4216% | 4,306 |
| Tier 1 risk-based capital ratio | 13.8717% | 3,684 |
| Total risk-based capital ratio | 15.1253% | 3,597 |
| Memoranda: | ||
| Average total assets | $168,064,330 | 3,342 |
| Average earning assets | $152,047,330 | 3,382 |
| Average equity | $15,227,670 | 3,833 |
| Average total loans | $97,886,330 | 3,444 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 2,634 |
| Cost of funding earning assets | 0.2118% | 5,089 |
| Net interest margin | 3.9429% | 1,803 |
| Noninterest income to average assets | 0.7809% | 1,690 |
| Noninterest expense to average assets | 2.6399% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0363% | 2,134 |
| Return on assets (ROA) | 1.0363% | 2,256 |
| Pretax return on assets | 1.7067% | 1,054 |
| Return on Equity (ROE) | 11.2268% | 1,521 |
| Retained earnings to average equity (ytd only) | 9.8966% | 869 |
| Net charge-offs to loans | -0.0461% | 5,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7345% | 4,643 |
| Assets per employee ($millions) | 4.6995% | 2,742 |
| Cash dividends to net income (ytd only)* | 11.8483% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7114% | 1,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 58.5916% | 3,979 |
| Net loans and leases to deposits | 72.1963% | 3,630 |
| Net loans and leases to core deposits | 74.2357% | 3,868 |
| Total domestic deposits to total assets | 81.1559% | 4,442 |
| Equity capital to assets | 9.2625% | 4,931 |
| Core capital (leverage) ratio | 9.3864% | 4,369 |
| Tier 1 risk-based capital ratio | 14.3989% | 3,445 |
| Total risk-based capital ratio | 15.6530% | 3,379 |
| Memoranda: | ||
| Average total assets | $162,884,000 | 3,416 |
| Average earning assets | $147,304,000 | 3,456 |
| Average equity | $15,035,500 | 3,866 |
| Average total loans | $95,521,000 | 3,505 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 2,591 |
| Cost of funding earning assets | 0.1913% | 5,355 |
| Net interest margin | 3.9994% | 1,721 |
| Noninterest income to average assets | 0.8721% | 1,524 |
| Noninterest expense to average assets | 2.8527% | 3,020 |
| Loan and lease loss provision to assets | 0.0281% | 3,808 |
| Net operating income to assets | 0.9679% | 2,533 |
| Return on assets (ROA) | 0.9679% | 2,611 |
| Pretax return on assets | 1.5754% | 1,328 |
| Return on Equity (ROE) | 10.1325% | 1,963 |
| Retained earnings to average equity (ytd only) | 8.7301% | 722 |
| Net charge-offs to loans | -0.1024% | 5,781 |
| Credit loss provision to net charge-offs | -47.1910% | 5,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0162% | 4,259 |
| Assets per employee ($millions) | 4.4802% | 3,079 |
| Cash dividends to net income (ytd only)* | 13.8408% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7926% | 1,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 56.6227% | 4,241 |
| Net loans and leases to deposits | 69.9476% | 3,930 |
| Net loans and leases to core deposits | 72.1093% | 4,124 |
| Total domestic deposits to total assets | 80.9501% | 4,502 |
| Equity capital to assets | 9.1985% | 4,915 |
| Core capital (leverage) ratio | 9.0303% | 4,852 |
| Tier 1 risk-based capital ratio | 14.5990% | 3,383 |
| Total risk-based capital ratio | 15.8533% | 3,305 |
| Memoranda: | ||
| Average total assets | $149,295,600 | 3,580 |
| Average earning assets | $133,796,200 | 3,630 |
| Average equity | $14,261,000 | 3,938 |
| Average total loans | $86,904,600 | 3,652 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 2,603 |
| Cost of funding earning assets | 0.1905% | 5,459 |
| Net interest margin | 4.0011% | 1,701 |
| Noninterest income to average assets | 0.8986% | 1,454 |
| Noninterest expense to average assets | 2.8507% | 3,005 |
| Loan and lease loss provision to assets | 0.0036% | 4,184 |
| Net operating income to assets | 0.9979% | 2,482 |
| Return on assets (ROA) | 0.9979% | 2,571 |
| Pretax return on assets | 1.6240% | 1,316 |
| Return on Equity (ROE) | 10.3417% | 1,951 |
| Retained earnings to average equity (ytd only) | 8.9250% | 933 |
| Net charge-offs to loans | -0.1234% | 5,860 |
| Credit loss provision to net charge-offs | -5.0633% | 4,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6549% | 4,310 |
| Assets per employee ($millions) | 4.6895% | 2,726 |
| Cash dividends to net income (ytd only)* | 13.6990% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 1,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.1696% | 4,739 |
| Net loans and leases to deposits | 64.0192% | 4,557 |
| Net loans and leases to core deposits | 65.9476% | 4,692 |
| Total domestic deposits to total assets | 81.4905% | 4,328 |
| Equity capital to assets | 8.8825% | 5,413 |
| Core capital (leverage) ratio | 9.2921% | 4,595 |
| Tier 1 risk-based capital ratio | 15.3596% | 3,110 |
| Total risk-based capital ratio | 16.6146% | 3,040 |
| Memoranda: | ||
| Average total assets | $146,297,750 | 3,655 |
| Average earning assets | $130,892,750 | 3,710 |
| Average equity | $14,117,250 | 3,996 |
| Average total loans | $85,382,750 | 3,721 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,159 |
| Cost of funding earning assets | 0.1940% | 5,498 |
| Net interest margin | 4.1091% | 1,330 |
| Noninterest income to average assets | 0.9704% | 1,242 |
| Noninterest expense to average assets | 2.9283% | 2,792 |
| Loan and lease loss provision to assets | 0.0057% | 3,988 |
| Net operating income to assets | 1.0374% | 2,188 |
| Return on assets (ROA) | 1.0374% | 2,308 |
| Pretax return on assets | 1.6886% | 1,104 |
| Return on Equity (ROE) | 10.4273% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.4273% | 597 |
| Net charge-offs to loans | -0.0378% | 5,426 |
| Credit loss provision to net charge-offs | -25.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3477% | 4,457 |
| Assets per employee ($millions) | 3.7370% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8098% | 1,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.9250% | 4,111 |
| Net loans and leases to deposits | 69.9272% | 3,939 |
| Net loans and leases to core deposits | 72.2665% | 4,104 |
| Total domestic deposits to total assets | 82.8361% | 4,012 |
| Equity capital to assets | 9.8187% | 4,255 |
| Core capital (leverage) ratio | 9.8315% | 3,825 |
| Tier 1 risk-based capital ratio | 15.3092% | 3,194 |
| Total risk-based capital ratio | 16.5641% | 3,132 |
| Memoranda: | ||
| Average total assets | $140,353,000 | 3,776 |
| Average earning assets | $124,748,670 | 3,864 |
| Average equity | $13,963,330 | 4,048 |
| Average total loans | $84,761,330 | 3,758 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 2,059 |
| Cost of funding earning assets | 0.1902% | 5,598 |
| Net interest margin | 4.1213% | 1,225 |
| Noninterest income to average assets | 0.9967% | 1,128 |
| Noninterest expense to average assets | 3.0016% | 2,577 |
| Loan and lease loss provision to assets | 0.0029% | 3,673 |
| Net operating income to assets | 1.0112% | 2,212 |
| Return on assets (ROA) | 1.0112% | 2,348 |
| Pretax return on assets | 1.6446% | 1,165 |
| Return on Equity (ROE) | 10.0943% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.0943% | 903 |
| Net charge-offs to loans | -0.0428% | 5,444 |
| Credit loss provision to net charge-offs | -11.1111% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5625% | 4,387 |
| Assets per employee ($millions) | 4.1517% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 1,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.4717% | 4,031 |
| Net loans and leases to deposits | 69.2342% | 3,836 |
| Net loans and leases to core deposits | 71.3946% | 4,021 |
| Total domestic deposits to total assets | 83.0106% | 4,176 |
| Equity capital to assets | 9.5914% | 4,643 |
| Core capital (leverage) ratio | 10.4772% | 2,993 |
| Tier 1 risk-based capital ratio | 15.3275% | 3,247 |
| Total risk-based capital ratio | 16.5831% | 3,170 |
| Memoranda: | ||
| Average total assets | $137,658,500 | 3,843 |
| Average earning assets | $121,999,000 | 3,936 |
| Average equity | $13,790,000 | 4,109 |
| Average total loans | $84,153,500 | 3,793 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 3,314 |
| Cost of funding earning assets | 0.1995% | 5,749 |
| Net interest margin | 3.9042% | 2,223 |
| Noninterest income to average assets | 1.2051% | 824 |
| Noninterest expense to average assets | 3.1271% | 2,429 |
| Loan and lease loss provision to assets | -0.0979% | 6,144 |
| Net operating income to assets | 1.0021% | 2,373 |
| Return on assets (ROA) | 1.0021% | 2,452 |
| Pretax return on assets | 1.6220% | 1,173 |
| Return on Equity (ROE) | 9.7524% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.7524% | 555 |
| Net charge-offs to loans | -0.2312% | 6,284 |
| Credit loss provision to net charge-offs | 76.0736% | 2,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2326% | 4,025 |
| Assets per employee ($millions) | 3.9397% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8450% | 1,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 62.8526% | 3,386 |
| Net loans and leases to deposits | 70.6783% | 3,816 |
| Net loans and leases to core deposits | 72.9778% | 4,029 |
| Total domestic deposits to total assets | 88.9277% | 1,276 |
| Equity capital to assets | 10.4939% | 3,490 |
| Core capital (leverage) ratio | 10.6138% | 2,821 |
| Tier 1 risk-based capital ratio | 15.2060% | 3,375 |
| Total risk-based capital ratio | 16.4620% | 3,323 |
| Memoranda: | ||
| Average total assets | $126,633,000 | 4,042 |
| Average earning assets | $111,778,400 | 4,138 |
| Average equity | $13,012,200 | 4,197 |
| Average total loans | $70,498,200 | 4,171 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 3,720 |
| Cost of funding earning assets | 0.1996% | 5,836 |
| Net interest margin | 3.8097% | 2,579 |
| Noninterest income to average assets | 1.2465% | 781 |
| Noninterest expense to average assets | 3.0675% | 2,571 |
| Loan and lease loss provision to assets | -0.1367% | 6,335 |
| Net operating income to assets | 1.0335% | 2,310 |
| Return on assets (ROA) | 1.0335% | 2,367 |
| Pretax return on assets | 1.6747% | 1,127 |
| Return on Equity (ROE) | 10.1130% | 2,165 |
| Retained earnings to average equity (ytd only) | 10.1130% | 675 |
| Net charge-offs to loans | -0.3090% | 6,396 |
| Credit loss provision to net charge-offs | 82.6923% | 2,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6053% | 4,117 |
| Assets per employee ($millions) | 3.9549% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0384% | 1,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 57.8727% | 4,088 |
| Net loans and leases to deposits | 65.1990% | 4,414 |
| Net loans and leases to core deposits | 67.2204% | 4,586 |
| Total domestic deposits to total assets | 88.7632% | 1,371 |
| Equity capital to assets | 10.5510% | 3,498 |
| Core capital (leverage) ratio | 10.4215% | 3,135 |
| Tier 1 risk-based capital ratio | 16.1577% | 2,978 |
| Total risk-based capital ratio | 17.4151% | 2,931 |
| Memoranda: | ||
| Average total assets | $125,789,000 | 4,097 |
| Average earning assets | $110,906,750 | 4,193 |
| Average equity | $12,854,500 | 4,247 |
| Average total loans | $67,310,250 | 4,294 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 4,047 |
| Cost of funding earning assets | 0.1991% | 5,922 |
| Net interest margin | 3.7225% | 2,867 |
| Noninterest income to average assets | 1.2746% | 727 |
| Noninterest expense to average assets | 3.0685% | 2,598 |
| Loan and lease loss provision to assets | -0.2055% | 6,480 |
| Net operating income to assets | 1.0420% | 2,152 |
| Return on assets (ROA) | 1.0420% | 2,217 |
| Pretax return on assets | 1.6888% | 1,043 |
| Return on Equity (ROE) | 10.3087% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.3087% | 650 |
| Net charge-offs to loans | -0.4443% | 6,496 |
| Credit loss provision to net charge-offs | 89.5833% | 2,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4134% | 4,129 |
| Assets per employee ($millions) | 3.9329% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3247% | 872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.9483% | 5,089 |
| Net loans and leases to deposits | 54.7556% | 5,303 |
| Net loans and leases to core deposits | 56.9783% | 5,349 |
| Total domestic deposits to total assets | 89.3941% | 1,158 |
| Equity capital to assets | 10.0435% | 4,045 |
| Core capital (leverage) ratio | 10.4364% | 3,031 |
| Tier 1 risk-based capital ratio | 18.0640% | 2,223 |
| Total risk-based capital ratio | 19.3251% | 2,184 |
| Memoranda: | ||
| Average total assets | $125,533,000 | 4,124 |
| Average earning assets | $110,517,330 | 4,231 |
| Average equity | $12,688,330 | 4,288 |
| Average total loans | $64,825,000 | 4,398 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,577 |
| Cost of funding earning assets | 0.2034% | 5,965 |
| Net interest margin | 3.5724% | 3,376 |
| Noninterest income to average assets | 1.3516% | 632 |
| Noninterest expense to average assets | 3.1506% | 2,375 |
| Loan and lease loss provision to assets | 0.0032% | 3,781 |
| Net operating income to assets | 0.8298% | 3,005 |
| Return on assets (ROA) | 0.8298% | 3,078 |
| Pretax return on assets | 1.3289% | 1,997 |
| Return on Equity (ROE) | 8.1822% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.1822% | 1,542 |
| Net charge-offs to loans | -0.0433% | 5,746 |
| Credit loss provision to net charge-offs | -14.2857% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2820% | 3,788 |
| Assets per employee ($millions) | 3.7511% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3092% | 1,016 |
| Loan loss allowance to noncurrent loans | 756.2814% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 5,758 |
| Noncurrent loans to loans | 0.3053% | 5,199 |
| Net loans and leases to total assets | 51.4355% | 4,734 |
| Net loans and leases to deposits | 57.6376% | 4,978 |
| Net loans and leases to core deposits | 59.6843% | 5,068 |
| Total domestic deposits to total assets | 89.2395% | 1,511 |
| Equity capital to assets | 10.2120% | 3,581 |
| Core capital (leverage) ratio | 10.5139% | 2,910 |
| Tier 1 risk-based capital ratio | 16.8484% | 2,758 |
| Total risk-based capital ratio | 18.1085% | 2,711 |
| Memoranda: | ||
| Average total assets | $123,406,500 | 4,202 |
| Average earning assets | $108,162,500 | 4,312 |
| Average equity | $12,515,000 | 4,343 |
| Average total loans | $64,717,500 | 4,441 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 3,073 |
| Cost of funding earning assets | 0.2396% | 6,036 |
| Net interest margin | 4.0293% | 1,871 |
| Noninterest income to average assets | 1.2394% | 907 |
| Noninterest expense to average assets | 3.2938% | 2,164 |
| Loan and lease loss provision to assets | 0.0008% | 5,082 |
| Net operating income to assets | 0.9234% | 2,669 |
| Return on assets (ROA) | 0.9234% | 2,757 |
| Pretax return on assets | 1.4919% | 1,469 |
| Return on Equity (ROE) | 9.2204% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.2204% | 729 |
| Net charge-offs to loans | -0.0914% | 6,456 |
| Credit loss provision to net charge-offs | -1.7544% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8142% | 4,049 |
| Assets per employee ($millions) | 4.1009% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3296% | 1,011 |
| Loan loss allowance to noncurrent loans | 719.7115% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 5,806 |
| Noncurrent loans to loans | 0.3237% | 5,212 |
| Net loans and leases to total assets | 51.0156% | 4,968 |
| Net loans and leases to deposits | 57.0946% | 5,201 |
| Net loans and leases to core deposits | 59.3257% | 5,272 |
| Total domestic deposits to total assets | 89.3527% | 1,409 |
| Equity capital to assets | 10.0701% | 3,668 |
| Core capital (leverage) ratio | 10.2894% | 3,160 |
| Tier 1 risk-based capital ratio | 16.4410% | 2,883 |
| Total risk-based capital ratio | 17.7002% | 2,842 |
| Memoranda: | ||
| Average total assets | $118,038,600 | 4,314 |
| Average earning assets | $103,915,000 | 4,408 |
| Average equity | $11,821,600 | 4,483 |
| Average total loans | $62,355,400 | 4,534 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 3,225 |
| Cost of funding earning assets | 0.2502% | 6,082 |
| Net interest margin | 3.9923% | 1,971 |
| Noninterest income to average assets | 1.2329% | 966 |
| Noninterest expense to average assets | 3.3426% | 1,971 |
| Loan and lease loss provision to assets | 0.0011% | 4,928 |
| Net operating income to assets | 0.8710% | 2,985 |
| Return on assets (ROA) | 0.8710% | 3,095 |
| Pretax return on assets | 1.4053% | 1,915 |
| Return on Equity (ROE) | 8.7100% | 2,783 |
| Retained earnings to average equity (ytd only) | 8.7100% | 1,150 |
| Net charge-offs to loans | -0.0539% | 6,338 |
| Credit loss provision to net charge-offs | -4.0000% | 5,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3846% | 3,693 |
| Assets per employee ($millions) | 3.7017% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3390% | 1,122 |
| Loan loss allowance to noncurrent loans | 339.9072% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 5,282 |
| Noncurrent loans to loans | 0.6881% | 4,474 |
| Net loans and leases to total assets | 53.3036% | 4,709 |
| Net loans and leases to deposits | 59.9974% | 4,971 |
| Net loans and leases to core deposits | 63.0682% | 5,003 |
| Total domestic deposits to total assets | 88.8431% | 1,643 |
| Equity capital to assets | 10.5086% | 3,265 |
| Core capital (leverage) ratio | 10.2180% | 3,373 |
| Tier 1 risk-based capital ratio | 16.4401% | 2,969 |
| Total risk-based capital ratio | 17.7117% | 2,922 |
| Memoranda: | ||
| Average total assets | $116,791,500 | 4,386 |
| Average earning assets | $102,861,750 | 4,482 |
| Average equity | $11,679,750 | 4,558 |
| Average total loans | $61,879,250 | 4,587 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3191% | 2,870 |
| Cost of funding earning assets | 0.2539% | 6,145 |
| Net interest margin | 4.0651% | 1,646 |
| Noninterest income to average assets | 1.1339% | 1,184 |
| Noninterest expense to average assets | 3.3251% | 2,003 |
| Loan and lease loss provision to assets | 0.0017% | 4,760 |
| Net operating income to assets | 0.8666% | 2,963 |
| Return on assets (ROA) | 0.8666% | 3,116 |
| Pretax return on assets | 1.4046% | 1,915 |
| Return on Equity (ROE) | 8.8113% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.8113% | 1,184 |
| Net charge-offs to loans | -0.0714% | 6,388 |
| Credit loss provision to net charge-offs | -4.5455% | 5,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2771% | 3,778 |
| Assets per employee ($millions) | 3.7740% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3645% | 1,146 |
| Loan loss allowance to noncurrent loans | 319.9125% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 5,311 |
| Noncurrent loans to loans | 0.7391% | 4,448 |
| Net loans and leases to total assets | 51.5997% | 4,915 |
| Net loans and leases to deposits | 57.7900% | 5,177 |
| Net loans and leases to core deposits | 60.7232% | 5,199 |
| Total domestic deposits to total assets | 89.2882% | 1,456 |
| Equity capital to assets | 10.0980% | 3,792 |
| Core capital (leverage) ratio | 9.9160% | 3,638 |
| Tier 1 risk-based capital ratio | 16.3480% | 3,007 |
| Total risk-based capital ratio | 17.6202% | 2,960 |
| Memoranda: | ||
| Average total assets | $117,470,670 | 4,404 |
| Average earning assets | $103,957,670 | 4,476 |
| Average equity | $11,553,330 | 4,617 |
| Average total loans | $61,628,000 | 4,618 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 3,646 |
| Cost of funding earning assets | 0.2563% | 6,246 |
| Net interest margin | 3.8634% | 2,236 |
| Noninterest income to average assets | 1.0432% | 1,359 |
| Noninterest expense to average assets | 3.3234% | 2,026 |
| Loan and lease loss provision to assets | 0.0102% | 4,324 |
| Net operating income to assets | 0.7102% | 3,641 |
| Return on assets (ROA) | 0.7102% | 3,776 |
| Pretax return on assets | 1.1418% | 2,807 |
| Return on Equity (ROE) | 7.3186% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.3186% | 2,022 |
| Net charge-offs to loans | -0.1105% | 6,484 |
| Credit loss provision to net charge-offs | -17.6471% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2597% | 3,226 |
| Assets per employee ($millions) | 3.8995% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3815% | 1,274 |
| Loan loss allowance to noncurrent loans | 138.5565% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8711% | 4,201 |
| Noncurrent loans to loans | 1.7188% | 2,969 |
| Net loans and leases to total assets | 49.4735% | 5,052 |
| Net loans and leases to deposits | 55.0219% | 5,343 |
| Net loans and leases to core deposits | 57.6956% | 5,367 |
| Total domestic deposits to total assets | 89.9159% | 1,103 |
| Equity capital to assets | 9.5348% | 4,803 |
| Core capital (leverage) ratio | 9.8904% | 3,541 |
| Tier 1 risk-based capital ratio | 16.1790% | 3,167 |
| Total risk-based capital ratio | 17.4499% | 3,105 |
| Memoranda: | ||
| Average total assets | $117,709,500 | 4,447 |
| Average earning assets | $104,570,500 | 4,504 |
| Average equity | $11,423,000 | 4,694 |
| Average total loans | $61,527,000 | 4,649 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1237% | 4,866 |
| Cost of funding earning assets | 0.3366% | 6,288 |
| Net interest margin | 3.7871% | 3,283 |
| Noninterest income to average assets | 1.2529% | 994 |
| Noninterest expense to average assets | 3.4190% | 2,009 |
| Loan and lease loss provision to assets | 0.1064% | 4,305 |
| Net operating income to assets | 0.6579% | 3,949 |
| Return on assets (ROA) | 0.6579% | 4,218 |
| Pretax return on assets | 1.0498% | 3,358 |
| Return on Equity (ROE) | 6.7580% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.7580% | 1,690 |
| Net charge-offs to loans | 0.3766% | 2,753 |
| Credit loss provision to net charge-offs | 54.7945% | 4,585 |
| Earnings coverage of net charge-offs (x) | 5.9543% | 2,907 |
| Efficiency ratio | 74.7287% | 2,942 |
| Assets per employee ($millions) | 3.5793% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3289% | 1,328 |
| Loan loss allowance to noncurrent loans | 118.3388% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 3,904 |
| Noncurrent loans to loans | 1.9680% | 2,726 |
| Net loans and leases to total assets | 52.6917% | 4,808 |
| Net loans and leases to deposits | 58.8963% | 5,138 |
| Net loans and leases to core deposits | 61.7774% | 5,177 |
| Total domestic deposits to total assets | 89.4653% | 1,268 |
| Equity capital to assets | 9.8834% | 4,333 |
| Core capital (leverage) ratio | 9.6354% | 3,912 |
| Tier 1 risk-based capital ratio | 15.4783% | 3,436 |
| Total risk-based capital ratio | 16.7497% | 3,384 |
| Memoranda: | ||
| Average total assets | $112,780,200 | 4,525 |
| Average earning assets | $98,940,800 | 4,616 |
| Average equity | $10,979,600 | 4,767 |
| Average total loans | $58,147,200 | 4,790 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 5,234 |
| Cost of funding earning assets | 0.3366% | 6,436 |
| Net interest margin | 3.7515% | 3,546 |
| Noninterest income to average assets | 1.2913% | 890 |
| Noninterest expense to average assets | 3.4382% | 1,903 |
| Loan and lease loss provision to assets | 0.0024% | 5,774 |
| Net operating income to assets | 0.7062% | 3,888 |
| Return on assets (ROA) | 0.7062% | 4,128 |
| Pretax return on assets | 1.1310% | 3,229 |
| Return on Equity (ROE) | 7.2817% | 3,645 |
| Retained earnings to average equity (ytd only) | 7.2817% | 1,953 |
| Net charge-offs to loans | 0.2376% | 3,299 |
| Credit loss provision to net charge-offs | 1.9608% | 5,146 |
| Earnings coverage of net charge-offs (x) | 9.3625% | 2,328 |
| Efficiency ratio | 75.2077% | 2,791 |
| Assets per employee ($millions) | 3.9694% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4249% | 1,310 |
| Loan loss allowance to noncurrent loans | 62.0362% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.9465% | 2,718 |
| Noncurrent loans to loans | 3.9089% | 1,324 |
| Net loans and leases to total assets | 48.5905% | 5,476 |
| Net loans and leases to deposits | 53.9938% | 5,812 |
| Net loans and leases to core deposits | 57.0528% | 5,807 |
| Total domestic deposits to total assets | 89.9927% | 850 |
| Equity capital to assets | 9.3859% | 5,355 |
| Core capital (leverage) ratio | 10.0412% | 3,490 |
| Tier 1 risk-based capital ratio | 15.7793% | 3,388 |
| Total risk-based capital ratio | 17.0514% | 3,343 |
| Memoranda: | ||
| Average total assets | $112,341,250 | 4,575 |
| Average earning assets | $98,233,250 | 4,685 |
| Average equity | $10,894,500 | 4,829 |
| Average total loans | $57,236,500 | 4,876 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 5,139 |
| Cost of funding earning assets | 0.3466% | 6,523 |
| Net interest margin | 3.8004% | 3,360 |
| Noninterest income to average assets | 1.4115% | 724 |
| Noninterest expense to average assets | 3.5388% | 1,701 |
| Loan and lease loss provision to assets | 0.0036% | 5,600 |
| Net operating income to assets | 0.7339% | 3,687 |
| Return on assets (ROA) | 0.7339% | 3,957 |
| Pretax return on assets | 1.1754% | 3,031 |
| Return on Equity (ROE) | 7.4813% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.4813% | 1,884 |
| Net charge-offs to loans | 0.2511% | 3,072 |
| Credit loss provision to net charge-offs | 2.8169% | 4,797 |
| Earnings coverage of net charge-offs (x) | 9.1408% | 2,203 |
| Efficiency ratio | 75.0096% | 2,892 |
| Assets per employee ($millions) | 3.5294% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5601% | 1,192 |
| Loan loss allowance to noncurrent loans | 61.0050% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 2.2009% | 2,541 |
| Noncurrent loans to loans | 4.1966% | 1,304 |
| Net loans and leases to total assets | 51.1023% | 5,210 |
| Net loans and leases to deposits | 57.2196% | 5,533 |
| Net loans and leases to core deposits | 60.5353% | 5,540 |
| Total domestic deposits to total assets | 89.3090% | 1,325 |
| Equity capital to assets | 10.0457% | 4,268 |
| Core capital (leverage) ratio | 10.0814% | 3,300 |
| Tier 1 risk-based capital ratio | 15.8360% | 3,255 |
| Total risk-based capital ratio | 17.1103% | 3,208 |
| Memoranda: | ||
| Average total assets | $110,094,000 | 4,668 |
| Average earning assets | $95,780,000 | 4,775 |
| Average equity | $10,800,330 | 4,860 |
| Average total loans | $56,548,330 | 4,930 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 5,176 |
| Cost of funding earning assets | 0.3545% | 6,620 |
| Net interest margin | 3.8245% | 3,269 |
| Noninterest income to average assets | 1.7096% | 513 |
| Noninterest expense to average assets | 3.6256% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8729% | 3,038 |
| Return on assets (ROA) | 0.8729% | 3,262 |
| Pretax return on assets | 1.4053% | 2,178 |
| Return on Equity (ROE) | 9.0051% | 2,832 |
| Retained earnings to average equity (ytd only) | 9.0051% | 1,596 |
| Net charge-offs to loans | 0.0214% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 129.3333% | 277 |
| Efficiency ratio | 72.0662% | 3,429 |
| Assets per employee ($millions) | 3.5892% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7662% | 1,037 |
| Loan loss allowance to noncurrent loans | 62.0955% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.2217% | 2,671 |
| Noncurrent loans to loans | 4.4548% | 1,319 |
| Net loans and leases to total assets | 48.4928% | 5,491 |
| Net loans and leases to deposits | 54.1488% | 5,793 |
| Net loans and leases to core deposits | 57.0601% | 5,810 |
| Total domestic deposits to total assets | 89.5548% | 1,335 |
| Equity capital to assets | 9.7280% | 4,482 |
| Core capital (leverage) ratio | 10.0420% | 3,317 |
| Tier 1 risk-based capital ratio | 15.8537% | 3,247 |
| Total risk-based capital ratio | 17.1296% | 3,203 |
| Memoranda: | ||
| Average total assets | $110,436,000 | 4,697 |
| Average earning assets | $95,908,000 | 4,794 |
| Average equity | $10,705,000 | 4,887 |
| Average total loans | $56,132,500 | 4,977 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 4,833 |
| Cost of funding earning assets | 0.4182% | 6,838 |
| Net interest margin | 4.1422% | 2,257 |
| Noninterest income to average assets | 1.2185% | 890 |
| Noninterest expense to average assets | 3.5861% | 1,769 |
| Loan and lease loss provision to assets | 0.2570% | 3,638 |
| Net operating income to assets | 0.6069% | 3,966 |
| Return on assets (ROA) | 0.6069% | 4,150 |
| Pretax return on assets | 0.9587% | 3,396 |
| Return on Equity (ROE) | 6.4986% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.4986% | 1,735 |
| Net charge-offs to loans | 0.3185% | 3,798 |
| Credit loss provision to net charge-offs | 151.6129% | 1,855 |
| Earnings coverage of net charge-offs (x) | 7.1720% | 2,386 |
| Efficiency ratio | 74.6821% | 3,109 |
| Assets per employee ($millions) | 3.5357% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7090% | 1,070 |
| Loan loss allowance to noncurrent loans | 42.6630% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 3.6896% | 1,591 |
| Noncurrent loans to loans | 6.3497% | 760 |
| Net loans and leases to total assets | 50.3951% | 5,537 |
| Net loans and leases to deposits | 56.2892% | 5,869 |
| Net loans and leases to core deposits | 59.5870% | 5,883 |
| Total domestic deposits to total assets | 89.5289% | 1,248 |
| Equity capital to assets | 9.6582% | 4,663 |
| Core capital (leverage) ratio | 9.8061% | 3,595 |
| Tier 1 risk-based capital ratio | 15.2376% | 3,489 |
| Total risk-based capital ratio | 16.5139% | 3,433 |
| Memoranda: | ||
| Average total assets | $109,729,000 | 4,645 |
| Average earning assets | $94,925,000 | 4,785 |
| Average equity | $10,248,400 | 4,956 |
| Average total loans | $58,398,600 | 4,926 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 4,895 |
| Cost of funding earning assets | 0.4331% | 6,930 |
| Net interest margin | 4.1596% | 2,243 |
| Noninterest income to average assets | 1.2512% | 829 |
| Noninterest expense to average assets | 3.6600% | 1,581 |
| Loan and lease loss provision to assets | 0.3426% | 2,827 |
| Net operating income to assets | 0.5381% | 4,370 |
| Return on assets (ROA) | 0.5381% | 4,561 |
| Pretax return on assets | 0.8418% | 3,977 |
| Return on Equity (ROE) | 5.8112% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.8112% | 2,666 |
| Net charge-offs to loans | 0.4240% | 3,025 |
| Credit loss provision to net charge-offs | 150.8021% | 2,070 |
| Earnings coverage of net charge-offs (x) | 5.2139% | 2,848 |
| Efficiency ratio | 75.5517% | 2,906 |
| Assets per employee ($millions) | 3.4202% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7032% | 1,125 |
| Loan loss allowance to noncurrent loans | 35.3009% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 4.5206% | 1,328 |
| Noncurrent loans to loans | 7.6575% | 603 |
| Net loans and leases to total assets | 52.1783% | 5,424 |
| Net loans and leases to deposits | 58.2729% | 5,819 |
| Net loans and leases to core deposits | 61.8296% | 5,826 |
| Total domestic deposits to total assets | 89.5411% | 1,120 |
| Equity capital to assets | 9.7788% | 4,656 |
| Core capital (leverage) ratio | 9.8336% | 3,668 |
| Tier 1 risk-based capital ratio | 14.8791% | 3,734 |
| Total risk-based capital ratio | 16.1552% | 3,690 |
| Memoranda: | ||
| Average total assets | $109,759,750 | 4,679 |
| Average earning assets | $94,813,500 | 4,826 |
| Average equity | $10,164,000 | 4,993 |
| Average total loans | $58,804,750 | 4,952 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 4,621 |
| Cost of funding earning assets | 0.4455% | 7,026 |
| Net interest margin | 4.2346% | 1,900 |
| Noninterest income to average assets | 1.2702% | 777 |
| Noninterest expense to average assets | 3.6863% | 1,556 |
| Loan and lease loss provision to assets | 0.5027% | 1,948 |
| Net operating income to assets | 0.4811% | 4,590 |
| Return on assets (ROA) | 0.4811% | 4,732 |
| Pretax return on assets | 0.7459% | 4,228 |
| Return on Equity (ROE) | 5.2892% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.2892% | 2,818 |
| Net charge-offs to loans | 0.8713% | 1,775 |
| Credit loss provision to net charge-offs | 107.7220% | 2,856 |
| Earnings coverage of net charge-offs (x) | 2.6757% | 3,498 |
| Efficiency ratio | 74.6988% | 3,240 |
| Assets per employee ($millions) | 3.3706% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5006% | 1,448 |
| Loan loss allowance to noncurrent loans | 33.0321% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 4.6559% | 1,342 |
| Noncurrent loans to loans | 7.5702% | 629 |
| Net loans and leases to total assets | 54.5545% | 5,216 |
| Net loans and leases to deposits | 60.9004% | 5,629 |
| Net loans and leases to core deposits | 65.1623% | 5,593 |
| Total domestic deposits to total assets | 89.5799% | 1,194 |
| Equity capital to assets | 9.7512% | 4,460 |
| Core capital (leverage) ratio | 9.6712% | 3,702 |
| Tier 1 risk-based capital ratio | 14.0037% | 4,174 |
| Total risk-based capital ratio | 15.2769% | 4,130 |
| Memoranda: | ||
| Average total assets | $111,004,670 | 4,679 |
| Average earning assets | $96,064,670 | 4,813 |
| Average equity | $10,096,000 | 5,027 |
| Average total loans | $59,453,330 | 4,982 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7831% | 4,132 |
| Cost of funding earning assets | 0.4590% | 7,094 |
| Net interest margin | 4.3241% | 1,489 |
| Noninterest income to average assets | 1.3653% | 690 |
| Noninterest expense to average assets | 3.6408% | 1,676 |
| Loan and lease loss provision to assets | 0.0210% | 5,686 |
| Net operating income to assets | 0.9032% | 2,549 |
| Return on assets (ROA) | 0.9032% | 2,613 |
| Pretax return on assets | 1.4633% | 1,559 |
| Return on Equity (ROE) | 10.2692% | 2,002 |
| Retained earnings to average equity (ytd only) | 10.2692% | 1,058 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0383% | 4,049 |
| Assets per employee ($millions) | 3.5843% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4377% | 1,555 |
| Loan loss allowance to noncurrent loans | 35.3516% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 3.5711% | 1,905 |
| Noncurrent loans to loans | 6.8955% | 819 |
| Net loans and leases to total assets | 50.5270% | 5,778 |
| Net loans and leases to deposits | 55.8352% | 6,145 |
| Net loans and leases to core deposits | 59.5869% | 6,129 |
| Total domestic deposits to total assets | 90.4932% | 844 |
| Equity capital to assets | 8.8773% | 5,384 |
| Core capital (leverage) ratio | 8.9504% | 4,692 |
| Tier 1 risk-based capital ratio | 13.8489% | 4,178 |
| Total risk-based capital ratio | 15.1077% | 4,146 |
| Memoranda: | ||
| Average total assets | $114,262,000 | 4,641 |
| Average earning assets | $99,350,000 | 4,757 |
| Average equity | $10,049,500 | 5,038 |
| Average total loans | $59,947,000 | 5,003 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 3,546 |
| Cost of funding earning assets | 0.9304% | 6,029 |
| Net interest margin | 4.2806% | 1,888 |
| Noninterest income to average assets | 1.3040% | 864 |
| Noninterest expense to average assets | 3.5192% | 2,123 |
| Loan and lease loss provision to assets | 0.6954% | 2,360 |
| Net operating income to assets | 0.5129% | 4,040 |
| Return on assets (ROA) | 0.5129% | 4,193 |
| Pretax return on assets | 0.7956% | 3,657 |
| Return on Equity (ROE) | 5.9320% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.9320% | 1,853 |
| Net charge-offs to loans | 1.0025% | 2,189 |
| Credit loss provision to net charge-offs | 127.2727% | 3,164 |
| Earnings coverage of net charge-offs (x) | 2.7289% | 3,714 |
| Efficiency ratio | 70.2415% | 4,129 |
| Assets per employee ($millions) | 3.3479% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3837% | 1,569 |
| Loan loss allowance to noncurrent loans | 34.5969% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 4.1159% | 1,640 |
| Noncurrent loans to loans | 6.8901% | 830 |
| Net loans and leases to total assets | 51.8778% | 5,925 |
| Net loans and leases to deposits | 57.3083% | 6,325 |
| Net loans and leases to core deposits | 61.6895% | 6,259 |
| Total domestic deposits to total assets | 90.5242% | 820 |
| Equity capital to assets | 8.7123% | 5,565 |
| Core capital (leverage) ratio | 8.8039% | 4,847 |
| Tier 1 risk-based capital ratio | 13.2241% | 4,436 |
| Total risk-based capital ratio | 14.4832% | 4,380 |
| Memoranda: | ||
| Average total assets | $110,734,600 | 4,695 |
| Average earning assets | $95,874,800 | 4,831 |
| Average equity | $9,575,200 | 5,242 |
| Average total loans | $60,349,600 | 5,057 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3343% | 3,193 |
| Cost of funding earning assets | 0.9882% | 5,990 |
| Net interest margin | 4.3462% | 1,688 |
| Noninterest income to average assets | 1.2525% | 875 |
| Noninterest expense to average assets | 3.5502% | 1,906 |
| Loan and lease loss provision to assets | 0.6426% | 2,378 |
| Net operating income to assets | 0.5190% | 4,218 |
| Return on assets (ROA) | 0.5190% | 4,404 |
| Pretax return on assets | 0.8087% | 3,870 |
| Return on Equity (ROE) | 6.0133% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.0133% | 2,346 |
| Net charge-offs to loans | 1.0942% | 1,858 |
| Credit loss provision to net charge-offs | 107.0707% | 3,990 |
| Earnings coverage of net charge-offs (x) | 2.4182% | 3,968 |
| Efficiency ratio | 70.9818% | 3,885 |
| Assets per employee ($millions) | 3.3080% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2134% | 1,778 |
| Loan loss allowance to noncurrent loans | 86.0328% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 2.2761% | 3,112 |
| Noncurrent loans to loans | 2.5727% | 3,055 |
| Net loans and leases to total assets | 51.5364% | 6,154 |
| Net loans and leases to deposits | 56.8810% | 6,553 |
| Net loans and leases to core deposits | 61.2727% | 6,519 |
| Total domestic deposits to total assets | 90.6039% | 595 |
| Equity capital to assets | 8.6804% | 6,052 |
| Core capital (leverage) ratio | 8.8107% | 4,987 |
| Tier 1 risk-based capital ratio | 12.6783% | 4,834 |
| Total risk-based capital ratio | 13.9344% | 4,811 |
| Memoranda: | ||
| Average total assets | $109,961,500 | 4,769 |
| Average earning assets | $94,854,500 | 4,934 |
| Average equity | $9,489,750 | 5,345 |
| Average total loans | $60,313,750 | 5,134 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 3,301 |
| Cost of funding earning assets | 1.0255% | 6,026 |
| Net interest margin | 4.3075% | 1,741 |
| Noninterest income to average assets | 1.1198% | 1,043 |
| Noninterest expense to average assets | 3.4566% | 2,133 |
| Loan and lease loss provision to assets | 0.9420% | 1,556 |
| Net operating income to assets | 0.3061% | 5,155 |
| Return on assets (ROA) | 0.3061% | 5,313 |
| Pretax return on assets | 0.4472% | 5,069 |
| Return on Equity (ROE) | 3.5537% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.5537% | 3,842 |
| Net charge-offs to loans | 1.5760% | 1,203 |
| Credit loss provision to net charge-offs | 107.5314% | 3,792 |
| Earnings coverage of net charge-offs (x) | 1.5858% | 4,306 |
| Efficiency ratio | 71.3313% | 3,937 |
| Assets per employee ($millions) | 3.6525% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1832% | 1,798 |
| Loan loss allowance to noncurrent loans | 57.5120% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 2.5223% | 2,863 |
| Noncurrent loans to loans | 3.7961% | 2,031 |
| Net loans and leases to total assets | 51.9540% | 6,216 |
| Net loans and leases to deposits | 57.1497% | 6,646 |
| Net loans and leases to core deposits | 61.5313% | 6,589 |
| Total domestic deposits to total assets | 90.9087% | 525 |
| Equity capital to assets | 8.3698% | 6,327 |
| Core capital (leverage) ratio | 8.3083% | 5,753 |
| Tier 1 risk-based capital ratio | 12.4937% | 4,868 |
| Total risk-based capital ratio | 13.7500% | 4,837 |
| Memoranda: | ||
| Average total assets | $109,124,670 | 4,827 |
| Average earning assets | $94,393,000 | 4,977 |
| Average equity | $9,398,670 | 5,380 |
| Average total loans | $60,659,670 | 5,152 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3542% | 3,277 |
| Cost of funding earning assets | 1.0339% | 6,207 |
| Net interest margin | 4.3202% | 1,630 |
| Noninterest income to average assets | 1.0871% | 1,073 |
| Noninterest expense to average assets | 3.3136% | 2,487 |
| Loan and lease loss provision to assets | 0.9862% | 1,260 |
| Net operating income to assets | 0.3586% | 5,032 |
| Return on assets (ROA) | 0.3586% | 5,161 |
| Pretax return on assets | 0.5492% | 4,788 |
| Return on Equity (ROE) | 4.1028% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.1028% | 3,691 |
| Net charge-offs to loans | 0.9652% | 1,686 |
| Credit loss provision to net charge-offs | 179.5918% | 2,035 |
| Earnings coverage of net charge-offs (x) | 2.7959% | 3,149 |
| Efficiency ratio | 68.3359% | 4,653 |
| Assets per employee ($millions) | 3.8164% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3061% | 1,569 |
| Loan loss allowance to noncurrent loans | 98.5159% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.2785% | 4,617 |
| Noncurrent loans to loans | 2.3408% | 3,340 |
| Net loans and leases to total assets | 53.3585% | 6,110 |
| Net loans and leases to deposits | 58.7536% | 6,574 |
| Net loans and leases to core deposits | 63.5731% | 6,483 |
| Total domestic deposits to total assets | 90.8173% | 609 |
| Equity capital to assets | 8.4969% | 6,006 |
| Core capital (leverage) ratio | 8.6483% | 5,117 |
| Tier 1 risk-based capital ratio | 12.4900% | 4,768 |
| Total risk-based capital ratio | 13.7486% | 4,702 |
| Memoranda: | ||
| Average total assets | $107,072,500 | 4,951 |
| Average earning assets | $93,236,000 | 5,073 |
| Average equity | $9,359,500 | 5,435 |
| Average total loans | $60,919,500 | 5,207 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8776% | 2,334 |
| Cost of funding earning assets | 1.1392% | 6,855 |
| Net interest margin | 4.7384% | 784 |
| Noninterest income to average assets | 1.1279% | 1,213 |
| Noninterest expense to average assets | 3.5220% | 2,323 |
| Loan and lease loss provision to assets | 0.8227% | 2,668 |
| Net operating income to assets | 0.6041% | 3,313 |
| Return on assets (ROA) | 0.6041% | 3,386 |
| Pretax return on assets | 0.9431% | 2,784 |
| Return on Equity (ROE) | 6.1944% | 3,125 |
| Retained earnings to average equity (ytd only) | 2.6748% | 3,277 |
| Net charge-offs to loans | 0.3653% | 4,396 |
| Credit loss provision to net charge-offs | 381.8627% | 834 |
| Earnings coverage of net charge-offs (x) | 8.1961% | 1,980 |
| Efficiency ratio | 66.6068% | 5,270 |
| Assets per employee ($millions) | 4.1388% | 3,542 |
| Cash dividends to net income (ytd only)* | 56.8182% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0818% | 1,855 |
| Loan loss allowance to noncurrent loans | 85.5422% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.4681% | 4,195 |
| Noncurrent loans to loans | 2.4336% | 3,117 |
| Net loans and leases to total assets | 58.0966% | 5,653 |
| Net loans and leases to deposits | 65.0098% | 6,158 |
| Net loans and leases to core deposits | 80.1226% | 6,089 |
| Total domestic deposits to total assets | 89.3659% | 1,284 |
| Equity capital to assets | 9.0027% | 5,145 |
| Core capital (leverage) ratio | 8.9371% | 4,528 |
| Tier 1 risk-based capital ratio | 12.7530% | 4,322 |
| Total risk-based capital ratio | 14.0100% | 4,257 |
| Memoranda: | ||
| Average total assets | $94,690,200 | 5,249 |
| Average earning assets | $83,129,400 | 5,359 |
| Average equity | $9,234,200 | 5,535 |
| Average total loans | $55,850,200 | 5,426 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9565% | 2,210 |
| Cost of funding earning assets | 1.1701% | 6,973 |
| Net interest margin | 4.7864% | 705 |
| Noninterest income to average assets | 1.1099% | 1,278 |
| Noninterest expense to average assets | 3.6296% | 1,963 |
| Loan and lease loss provision to assets | 0.6227% | 2,903 |
| Net operating income to assets | 0.6544% | 3,383 |
| Return on assets (ROA) | 0.6544% | 3,445 |
| Pretax return on assets | 1.0263% | 2,819 |
| Return on Equity (ROE) | 6.5696% | 3,271 |
| Retained earnings to average equity (ytd only) | 4.7608% | 2,625 |
| Net charge-offs to loans | 0.0122% | 6,755 |
| Credit loss provision to net charge-offs | 8,640.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 228.6807% | 170 |
| Efficiency ratio | 68.7602% | 4,832 |
| Assets per employee ($millions) | 4.1552% | 3,452 |
| Cash dividends to net income (ytd only)* | 27.5325% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 2,230 |
| Loan loss allowance to noncurrent loans | 2,304.0816% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 6,923 |
| Noncurrent loans to loans | 0.0788% | 7,297 |
| Net loans and leases to total assets | 58.7674% | 5,771 |
| Net loans and leases to deposits | 65.1029% | 6,390 |
| Net loans and leases to core deposits | 78.0353% | 6,487 |
| Total domestic deposits to total assets | 90.2685% | 676 |
| Equity capital to assets | 9.0509% | 5,413 |
| Core capital (leverage) ratio | 9.6024% | 3,788 |
| Tier 1 risk-based capital ratio | 12.8052% | 4,321 |
| Total risk-based capital ratio | 14.0591% | 4,259 |
| Memoranda: | ||
| Average total assets | $92,495,500 | 5,352 |
| Average earning assets | $80,559,250 | 5,478 |
| Average equity | $9,214,000 | 5,584 |
| Average total loans | $54,465,250 | 5,540 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8414% | 2,841 |
| Cost of funding earning assets | 1.1923% | 7,124 |
| Net interest margin | 4.6491% | 879 |
| Noninterest income to average assets | 1.1206% | 1,257 |
| Noninterest expense to average assets | 3.8286% | 1,612 |
| Loan and lease loss provision to assets | 0.3247% | 3,996 |
| Net operating income to assets | 0.6832% | 3,327 |
| Return on assets (ROA) | 0.6832% | 3,444 |
| Pretax return on assets | 1.0733% | 2,722 |
| Return on Equity (ROE) | 6.6220% | 3,374 |
| Retained earnings to average equity (ytd only) | 3.8901% | 3,118 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2528% | 4,148 |
| Assets per employee ($millions) | 3.7648% | 4,182 |
| Cash dividends to net income (ytd only)* | 41.2541% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 3,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 6,309 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 59.6944% | 5,732 |
| Net loans and leases to deposits | 66.7780% | 6,320 |
| Net loans and leases to core deposits | 77.9060% | 6,550 |
| Total domestic deposits to total assets | 89.3924% | 1,084 |
| Equity capital to assets | 9.8108% | 4,198 |
| Core capital (leverage) ratio | 10.2390% | 3,055 |
| Tier 1 risk-based capital ratio | 13.7649% | 3,643 |
| Total risk-based capital ratio | 15.0147% | 3,581 |
| Memoranda: | ||
| Average total assets | $88,701,000 | 5,506 |
| Average earning assets | $78,337,000 | 5,588 |
| Average equity | $9,151,330 | 5,631 |
| Average total loans | $51,895,000 | 5,682 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9259% | 2,667 |
| Cost of funding earning assets | 1.2467% | 7,179 |
| Net interest margin | 4.6792% | 803 |
| Noninterest income to average assets | 1.1117% | 1,199 |
| Noninterest expense to average assets | 3.8469% | 1,390 |
| Loan and lease loss provision to assets | 0.0744% | 6,026 |
| Net operating income to assets | 0.8140% | 3,072 |
| Return on assets (ROA) | 0.8140% | 3,228 |
| Pretax return on assets | 1.2932% | 2,303 |
| Return on Equity (ROE) | 7.6839% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.6839% | 1,940 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7734% | 3,863 |
| Assets per employee ($millions) | 3.5488% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 3,150 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 5,509 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 54.3807% | 6,422 |
| Net loans and leases to deposits | 61.3216% | 6,781 |
| Net loans and leases to core deposits | 69.3070% | 7,066 |
| Total domestic deposits to total assets | 88.6811% | 1,389 |
| Equity capital to assets | 10.3766% | 3,582 |
| Core capital (leverage) ratio | 11.1289% | 2,397 |
| Tier 1 risk-based capital ratio | 15.3409% | 2,917 |
| Total risk-based capital ratio | 16.5687% | 2,869 |
| Memoranda: | ||
| Average total assets | $85,991,000 | 5,603 |
| Average earning assets | $75,397,500 | 5,717 |
| Average equity | $9,110,000 | 5,662 |
| Average total loans | $49,327,000 | 5,828 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5444% | 2,745 |
| Cost of funding earning assets | 1.1315% | 7,991 |
| Net interest margin | 5.4129% | 234 |
| Noninterest income to average assets | 1.3504% | 791 |
| Noninterest expense to average assets | 4.3588% | 985 |
| Loan and lease loss provision to assets | 0.6076% | 2,393 |
| Net operating income to assets | 0.6951% | 3,913 |
| Return on assets (ROA) | 0.6951% | 3,746 |
| Pretax return on assets | 1.1135% | 2,979 |
| Return on Equity (ROE) | 6.1133% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.8491% | 2,732 |
| Net charge-offs to loans | 0.9647% | 1,280 |
| Credit loss provision to net charge-offs | 95.3535% | 5,537 |
| Earnings coverage of net charge-offs (x) | 2.7010% | 4,727 |
| Efficiency ratio | 71.6917% | 3,995 |
| Assets per employee ($millions) | 3.2024% | 5,480 |
| Cash dividends to net income (ytd only)* | 37.0370% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 3,120 |
| Loan loss allowance to noncurrent loans | 170.3883% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 1.2791% | 3,667 |
| Noncurrent loans to loans | 0.8292% | 4,979 |
| Net loans and leases to total assets | 58.8341% | 6,085 |
| Net loans and leases to deposits | 68.8590% | 6,384 |
| Net loans and leases to core deposits | 74.1273% | 6,961 |
| Total domestic deposits to total assets | 85.4413% | 2,648 |
| Equity capital to assets | 10.8259% | 3,183 |
| Core capital (leverage) ratio | 11.3825% | 2,321 |
| Tier 1 risk-based capital ratio | 14.9030% | 3,087 |
| Total risk-based capital ratio | 16.0889% | 3,046 |
| Memoranda: | ||
| Average total assets | $77,682,000 | 5,781 |
| Average earning assets | $67,875,200 | 5,901 |
| Average equity | $8,833,200 | 5,793 |
| Average total loans | $51,310,400 | 5,653 |