Home > Golden Belt Bank, FSA > Performance and Condition Ratios
Golden Belt Bank, FSA, 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 | 4.7855% | 2,501 |
| Cost of funding earning assets | 1.1438% | 2,950 |
| Net interest margin | 3.6416% | 1,878 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.7502% | 1,628 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.1518% | 1,778 |
| Return on assets (ROA) | 1.1518% | 1,746 |
| Pretax return on assets | 1.1913% | 2,165 |
| Return on Equity (ROE) | 11.3200% | 2,142 |
| Retained earnings to average equity (ytd only) | 6.2049% | 2,173 |
| Net charge-offs to loans | 0.0818% | 1,047 |
| Credit loss provision to net charge-offs | 127.9070% | 1,614 |
| Earnings coverage of net charge-offs (x) | 22.3256% | 1,817 |
| Efficiency ratio | 68.0085% | 2,108 |
| Assets per employee ($millions) | 5.9520% | 2,863 |
| Cash dividends to net income (ytd only)* | 45.2000% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0395% | 3,112 |
| Loan loss allowance to noncurrent loans | 114.7905% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 849 |
| Noncurrent loans to loans | 0.9055% | 828 |
| Net loans and leases to total assets | 69.9500% | 1,812 |
| Net loans and leases to deposits | 82.8288% | 1,882 |
| Net loans and leases to core deposits | 88.9085% | 2,120 |
| Total domestic deposits to total assets | 84.4500% | 2,485 |
| Equity capital to assets | 10.5184% | 1,714 |
| Core capital (leverage) ratio | 12.3237% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $303,864,800 | 2,411 |
| Average earning assets | $281,247,600 | 2,409 |
| Average equity | $30,911,000 | 2,228 |
| Average total loans | $210,157,400 | 2,230 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 2,480 |
| Cost of funding earning assets | 1.0400% | 2,925 |
| Net interest margin | 3.6565% | 1,871 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.7336% | 1,580 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.1964% | 1,808 |
| Return on assets (ROA) | 1.1964% | 1,794 |
| Pretax return on assets | 1.2370% | 2,204 |
| Return on Equity (ROE) | 11.8600% | 2,161 |
| Retained earnings to average equity (ytd only) | 6.3998% | 2,498 |
| Net charge-offs to loans | 0.1077% | 737 |
| Credit loss provision to net charge-offs | 113.0952% | 1,529 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,891 |
| Efficiency ratio | 66.8696% | 2,165 |
| Assets per employee ($millions) | 5.8420% | 2,891 |
| Cash dividends to net income (ytd only)* | 46.0575% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 3,059 |
| Loan loss allowance to noncurrent loans | 119.8933% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 947 |
| Noncurrent loans to loans | 0.8858% | 934 |
| Net loans and leases to total assets | 68.9400% | 1,952 |
| Net loans and leases to deposits | 81.8088% | 1,914 |
| Net loans and leases to core deposits | 86.9641% | 2,125 |
| Total domestic deposits to total assets | 84.2700% | 2,696 |
| Equity capital to assets | 9.9650% | 1,850 |
| Core capital (leverage) ratio | 11.8060% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $302,454,750 | 2,421 |
| Average earning assets | $279,749,000 | 2,418 |
| Average equity | $30,500,000 | 2,230 |
| Average total loans | $208,005,000 | 2,236 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5969% | 2,422 |
| Cost of funding earning assets | 0.9583% | 2,738 |
| Net interest margin | 3.6385% | 1,950 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 2.7529% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2476% | 1,700 |
| Return on assets (ROA) | 1.2476% | 1,695 |
| Pretax return on assets | 1.2847% | 2,126 |
| Return on Equity (ROE) | 12.3200% | 2,063 |
| Retained earnings to average equity (ytd only) | 6.9139% | 2,312 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.6234% | 2,029 |
| Assets per employee ($millions) | 5.8701% | 2,822 |
| Cash dividends to net income (ytd only)* | 43.8960% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 3,155 |
| Loan loss allowance to noncurrent loans | 116.4835% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 851 |
| Noncurrent loans to loans | 0.9071% | 844 |
| Net loans and leases to total assets | 68.2900% | 1,936 |
| Net loans and leases to deposits | 83.7966% | 1,686 |
| Net loans and leases to core deposits | 86.6239% | 2,025 |
| Total domestic deposits to total assets | 81.4900% | 3,342 |
| Equity capital to assets | 10.1387% | 1,778 |
| Core capital (leverage) ratio | 11.6347% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $302,011,667 | 2,432 |
| Average earning assets | $279,234,333 | 2,426 |
| Average equity | $30,576,000 | 2,240 |
| Average total loans | $206,784,333 | 2,242 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 2,215 |
| Cost of funding earning assets | 0.8920% | 2,395 |
| Net interest margin | 3.6503% | 2,013 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.8722% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0999% | 2,226 |
| Return on assets (ROA) | 1.0999% | 2,192 |
| Pretax return on assets | 1.1318% | 2,620 |
| Return on Equity (ROE) | 10.8700% | 2,528 |
| Retained earnings to average equity (ytd only) | 4.3304% | 3,173 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.1673% | 1,618 |
| Assets per employee ($millions) | 5.8891% | 2,855 |
| Cash dividends to net income (ytd only)* | 60.1695% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,132 |
| Loan loss allowance to noncurrent loans | 238.3298% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 1,617 |
| Noncurrent loans to loans | 0.4551% | 1,582 |
| Net loans and leases to total assets | 67.5900% | 1,888 |
| Net loans and leases to deposits | 79.9924% | 1,817 |
| Net loans and leases to core deposits | 82.3179% | 2,101 |
| Total domestic deposits to total assets | 84.4900% | 2,975 |
| Equity capital to assets | 10.3325% | 1,652 |
| Core capital (leverage) ratio | 11.2682% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $300,394,500 | 2,466 |
| Average earning assets | $277,564,000 | 2,460 |
| Average equity | $30,390,000 | 2,277 |
| Average total loans | $204,841,500 | 2,271 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 2,304 |
| Cost of funding earning assets | 0.3708% | 2,323 |
| Net interest margin | 3.4212% | 2,183 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.6845% | 1,591 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.2276% | 1,673 |
| Return on assets (ROA) | 1.2276% | 1,622 |
| Pretax return on assets | 1.2521% | 2,273 |
| Return on Equity (ROE) | 11.5700% | 2,278 |
| Retained earnings to average equity (ytd only) | 4.4064% | 3,264 |
| Net charge-offs to loans | -0.0005% | 3,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.1955% | 1,935 |
| Assets per employee ($millions) | 5.8911% | 2,858 |
| Cash dividends to net income (ytd only)* | 61.9152% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 2,949 |
| Loan loss allowance to noncurrent loans | 262.8099% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 1,742 |
| Noncurrent loans to loans | 0.4143% | 1,683 |
| Net loans and leases to total assets | 67.3100% | 1,903 |
| Net loans and leases to deposits | 82.0380% | 1,608 |
| Net loans and leases to core deposits | 83.2620% | 1,918 |
| Total domestic deposits to total assets | 82.0500% | 3,624 |
| Equity capital to assets | 9.9010% | 1,755 |
| Core capital (leverage) ratio | 10.7943% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $297,744,400 | 2,459 |
| Average earning assets | $274,523,200 | 2,471 |
| Average equity | $31,590,400 | 2,268 |
| Average total loans | $191,533,800 | 2,301 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 2,424 |
| Cost of funding earning assets | 0.2864% | 2,315 |
| Net interest margin | 3.2823% | 2,347 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.6117% | 1,689 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 1.1934% | 1,718 |
| Return on assets (ROA) | 1.1934% | 1,693 |
| Pretax return on assets | 1.2365% | 2,237 |
| Return on Equity (ROE) | 11.0600% | 2,359 |
| Retained earnings to average equity (ytd only) | 3.6066% | 3,583 |
| Net charge-offs to loans | -0.0042% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.0670% | 2,016 |
| Assets per employee ($millions) | 5.6806% | 3,049 |
| Cash dividends to net income (ytd only)* | 67.3938% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,909 |
| Loan loss allowance to noncurrent loans | 293.9394% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 1,933 |
| Noncurrent loans to loans | 0.3819% | 1,865 |
| Net loans and leases to total assets | 66.5200% | 1,830 |
| Net loans and leases to deposits | 75.3086% | 1,933 |
| Net loans and leases to core deposits | 76.8175% | 2,129 |
| Total domestic deposits to total assets | 88.3300% | 2,323 |
| Equity capital to assets | 9.7619% | 1,750 |
| Core capital (leverage) ratio | 11.1509% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $297,069,250 | 2,486 |
| Average earning assets | $273,742,000 | 2,489 |
| Average equity | $32,051,250 | 2,272 |
| Average total loans | $188,301,750 | 2,326 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3476% | 2,585 |
| Cost of funding earning assets | 0.2296% | 2,514 |
| Net interest margin | 3.1180% | 2,478 |
| Noninterest income to average assets | 0.8238% | 994 |
| Noninterest expense to average assets | 2.5697% | 1,727 |
| Loan and lease loss provision to assets | -0.0672% | 4,549 |
| Net operating income to assets | 1.1531% | 1,593 |
| Return on assets (ROA) | 1.1531% | 1,576 |
| Pretax return on assets | 1.1955% | 2,092 |
| Return on Equity (ROE) | 10.3614% | 2,200 |
| Retained earnings to average equity (ytd only) | 1.9563% | 3,763 |
| Net charge-offs to loans | -0.0065% | 3,433 |
| Credit loss provision to net charge-offs | 1,666.6667% | 276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8715% | 2,119 |
| Assets per employee ($millions) | 5.6643% | 3,072 |
| Cash dividends to net income (ytd only)* | 81.1189% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,733 |
| Loan loss allowance to noncurrent loans | 244.6272% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 1,788 |
| Noncurrent loans to loans | 0.4870% | 1,653 |
| Net loans and leases to total assets | 61.6419% | 2,162 |
| Net loans and leases to deposits | 70.5968% | 2,146 |
| Net loans and leases to core deposits | 72.6799% | 2,266 |
| Total domestic deposits to total assets | 87.3155% | 2,821 |
| Equity capital to assets | 10.2672% | 1,553 |
| Core capital (leverage) ratio | 10.8919% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,628,000 | 2,493 |
| Average earning assets | $274,344,000 | 2,511 |
| Average equity | $33,123,000 | 2,268 |
| Average total loans | $184,829,667 | 2,351 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3976% | 2,089 |
| Cost of funding earning assets | 0.2328% | 2,352 |
| Net interest margin | 3.1648% | 1,982 |
| Noninterest income to average assets | 0.8544% | 919 |
| Noninterest expense to average assets | 2.6227% | 1,545 |
| Loan and lease loss provision to assets | -0.1350% | 4,631 |
| Net operating income to assets | 1.2364% | 1,148 |
| Return on assets (ROA) | 1.2364% | 1,137 |
| Pretax return on assets | 1.2850% | 1,553 |
| Return on Equity (ROE) | 10.6906% | 1,731 |
| Retained earnings to average equity (ytd only) | -0.2101% | 4,042 |
| Net charge-offs to loans | -0.0109% | 3,620 |
| Credit loss provision to net charge-offs | 2,000.0000% | 212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9088% | 2,383 |
| Assets per employee ($millions) | 5.2994% | 3,486 |
| Cash dividends to net income (ytd only)* | 101.9651% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 2,827 |
| Loan loss allowance to noncurrent loans | 220.5737% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 1,745 |
| Noncurrent loans to loans | 0.5468% | 1,668 |
| Net loans and leases to total assets | 61.5477% | 1,909 |
| Net loans and leases to deposits | 71.0757% | 1,861 |
| Net loans and leases to core deposits | 73.1230% | 2,011 |
| Total domestic deposits to total assets | 86.5946% | 3,077 |
| Equity capital to assets | 10.9628% | 1,342 |
| Core capital (leverage) ratio | 10.8020% | 1,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,338,000 | 2,513 |
| Average earning assets | $273,252,500 | 2,532 |
| Average equity | $34,273,000 | 2,280 |
| Average total loans | $183,602,000 | 2,349 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 3,059 |
| Cost of funding earning assets | 0.2903% | 2,503 |
| Net interest margin | 3.0577% | 3,025 |
| Noninterest income to average assets | 1.5626% | 462 |
| Noninterest expense to average assets | 2.7210% | 1,571 |
| Loan and lease loss provision to assets | -0.0357% | 4,297 |
| Net operating income to assets | 1.6473% | 711 |
| Return on assets (ROA) | 1.6473% | 749 |
| Pretax return on assets | 1.6948% | 1,160 |
| Return on Equity (ROE) | 12.9929% | 1,473 |
| Retained earnings to average equity (ytd only) | 4.4925% | 3,009 |
| Net charge-offs to loans | -0.0354% | 4,185 |
| Credit loss provision to net charge-offs | 158.7302% | 1,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5115% | 2,935 |
| Assets per employee ($millions) | 5.1914% | 3,563 |
| Cash dividends to net income (ytd only)* | 65.4238% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 2,473 |
| Loan loss allowance to noncurrent loans | 229.9703% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 1,858 |
| Noncurrent loans to loans | 0.5545% | 1,738 |
| Net loans and leases to total assets | 60.8280% | 2,078 |
| Net loans and leases to deposits | 71.3309% | 1,979 |
| Net loans and leases to core deposits | 73.1309% | 2,153 |
| Total domestic deposits to total assets | 85.2758% | 3,179 |
| Equity capital to assets | 12.1700% | 1,184 |
| Core capital (leverage) ratio | 11.1468% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,040,000 | 2,535 |
| Average earning assets | $258,035,400 | 2,566 |
| Average equity | $35,504,000 | 2,266 |
| Average total loans | $177,870,000 | 2,399 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4321% | 3,008 |
| Cost of funding earning assets | 0.2999% | 2,595 |
| Net interest margin | 3.1321% | 2,955 |
| Noninterest income to average assets | 1.4392% | 587 |
| Noninterest expense to average assets | 2.7345% | 1,499 |
| Loan and lease loss provision to assets | -0.0482% | 4,449 |
| Net operating income to assets | 1.5836% | 1,070 |
| Return on assets (ROA) | 1.5836% | 1,119 |
| Pretax return on assets | 1.6377% | 1,585 |
| Return on Equity (ROE) | 12.3580% | 1,914 |
| Retained earnings to average equity (ytd only) | 3.2789% | 3,806 |
| Net charge-offs to loans | -0.0468% | 4,330 |
| Credit loss provision to net charge-offs | 161.2903% | 1,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5935% | 2,594 |
| Assets per employee ($millions) | 4.8970% | 3,797 |
| Cash dividends to net income (ytd only)* | 73.4675% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,426 |
| Loan loss allowance to noncurrent loans | 204.1264% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 1,847 |
| Noncurrent loans to loans | 0.6430% | 1,700 |
| Net loans and leases to total assets | 61.5463% | 2,069 |
| Net loans and leases to deposits | 72.5083% | 2,003 |
| Net loans and leases to core deposits | 74.9027% | 2,149 |
| Total domestic deposits to total assets | 84.8817% | 3,156 |
| Equity capital to assets | 12.5280% | 1,159 |
| Core capital (leverage) ratio | 11.1604% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,073,000 | 2,583 |
| Average earning assets | $254,261,750 | 2,617 |
| Average equity | $35,377,000 | 2,302 |
| Average total loans | $176,757,500 | 2,443 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 2,877 |
| Cost of funding earning assets | 0.3019% | 2,761 |
| Net interest margin | 3.2041% | 2,743 |
| Noninterest income to average assets | 1.6663% | 444 |
| Noninterest expense to average assets | 2.7928% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7614% | 779 |
| Return on assets (ROA) | 1.7614% | 821 |
| Pretax return on assets | 1.8236% | 1,180 |
| Return on Equity (ROE) | 13.6398% | 1,523 |
| Retained earnings to average equity (ytd only) | 4.4352% | 3,387 |
| Net charge-offs to loans | -0.0838% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8796% | 3,029 |
| Assets per employee ($millions) | 4.9353% | 3,710 |
| Cash dividends to net income (ytd only)* | 67.4834% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3472% | 2,206 |
| Loan loss allowance to noncurrent loans | 199.5086% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 1,861 |
| Noncurrent loans to loans | 0.6753% | 1,737 |
| Net loans and leases to total assets | 64.5419% | 1,885 |
| Net loans and leases to deposits | 76.6557% | 1,759 |
| Net loans and leases to core deposits | 79.1833% | 1,945 |
| Total domestic deposits to total assets | 84.1971% | 3,366 |
| Equity capital to assets | 12.9126% | 972 |
| Core capital (leverage) ratio | 11.5007% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,421,667 | 2,586 |
| Average earning assets | $251,741,000 | 2,622 |
| Average equity | $35,308,333 | 2,299 |
| Average total loans | $176,632,333 | 2,460 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6499% | 2,496 |
| Cost of funding earning assets | 0.2987% | 3,006 |
| Net interest margin | 3.3512% | 2,245 |
| Noninterest income to average assets | 1.7754% | 453 |
| Noninterest expense to average assets | 2.8991% | 1,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8945% | 669 |
| Return on assets (ROA) | 1.8945% | 718 |
| Pretax return on assets | 1.9622% | 1,013 |
| Return on Equity (ROE) | 14.6701% | 1,284 |
| Retained earnings to average equity (ytd only) | 6.4353% | 2,754 |
| Net charge-offs to loans | -0.0046% | 3,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0620% | 3,153 |
| Assets per employee ($millions) | 5.2224% | 3,409 |
| Cash dividends to net income (ytd only)* | 56.1335% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,368 |
| Loan loss allowance to noncurrent loans | 179.7719% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 1,991 |
| Noncurrent loans to loans | 0.7316% | 1,773 |
| Net loans and leases to total assets | 62.8974% | 2,181 |
| Net loans and leases to deposits | 74.7452% | 2,047 |
| Net loans and leases to core deposits | 77.1510% | 2,251 |
| Total domestic deposits to total assets | 84.1491% | 3,387 |
| Equity capital to assets | 12.4715% | 1,091 |
| Core capital (leverage) ratio | 11.7778% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,945,500 | 2,585 |
| Average earning assets | $250,416,000 | 2,609 |
| Average equity | $35,119,000 | 2,297 |
| Average total loans | $174,542,000 | 2,477 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 2,850 |
| Cost of funding earning assets | 0.4061% | 3,537 |
| Net interest margin | 3.5557% | 2,292 |
| Noninterest income to average assets | 1.7752% | 402 |
| Noninterest expense to average assets | 2.9267% | 1,610 |
| Loan and lease loss provision to assets | 0.1633% | 2,334 |
| Net operating income to assets | 1.9062% | 316 |
| Return on assets (ROA) | 1.9062% | 338 |
| Pretax return on assets | 1.9724% | 482 |
| Return on Equity (ROE) | 14.2060% | 763 |
| Retained earnings to average equity (ytd only) | 3.9885% | 2,833 |
| Net charge-offs to loans | 0.0562% | 1,974 |
| Credit loss provision to net charge-offs | 406.8627% | 1,415 |
| Earnings coverage of net charge-offs (x) | 53.2059% | 1,142 |
| Efficiency ratio | 57.0118% | 3,858 |
| Assets per employee ($millions) | 4.6764% | 3,737 |
| Cash dividends to net income (ytd only)* | 71.9240% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 1,992 |
| Loan loss allowance to noncurrent loans | 160.8992% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5606% | 1,885 |
| Noncurrent loans to loans | 0.8669% | 1,630 |
| Net loans and leases to total assets | 63.7622% | 2,393 |
| Net loans and leases to deposits | 76.3321% | 2,248 |
| Net loans and leases to core deposits | 78.9942% | 2,455 |
| Total domestic deposits to total assets | 83.5326% | 3,255 |
| Equity capital to assets | 13.3904% | 968 |
| Core capital (leverage) ratio | 11.5346% | 1,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,111,600 | 2,555 |
| Average earning assets | $234,918,400 | 2,559 |
| Average equity | $34,098,200 | 2,281 |
| Average total loans | $181,442,200 | 2,402 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 2,877 |
| Cost of funding earning assets | 0.4299% | 3,644 |
| Net interest margin | 3.6047% | 2,262 |
| Noninterest income to average assets | 1.7004% | 400 |
| Noninterest expense to average assets | 2.7732% | 2,047 |
| Loan and lease loss provision to assets | 0.1717% | 2,267 |
| Net operating income to assets | 2.0266% | 278 |
| Return on assets (ROA) | 2.0266% | 304 |
| Pretax return on assets | 2.0938% | 421 |
| Return on Equity (ROE) | 15.0949% | 676 |
| Retained earnings to average equity (ytd only) | 5.6749% | 2,254 |
| Net charge-offs to loans | 0.0708% | 1,607 |
| Credit loss provision to net charge-offs | 331.6327% | 1,662 |
| Earnings coverage of net charge-offs (x) | 43.7245% | 1,291 |
| Efficiency ratio | 54.1658% | 4,130 |
| Assets per employee ($millions) | 4.5875% | 3,733 |
| Cash dividends to net income (ytd only)* | 62.4054% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,670 |
| Loan loss allowance to noncurrent loans | 81.2500% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 1,031 |
| Noncurrent loans to loans | 1.4761% | 977 |
| Net loans and leases to total assets | 70.4362% | 1,882 |
| Net loans and leases to deposits | 85.0995% | 1,799 |
| Net loans and leases to core deposits | 87.7484% | 2,171 |
| Total domestic deposits to total assets | 82.7691% | 3,196 |
| Equity capital to assets | 13.2222% | 1,095 |
| Core capital (leverage) ratio | 11.7848% | 1,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,169,250 | 2,548 |
| Average earning assets | $233,542,750 | 2,552 |
| Average equity | $33,856,000 | 2,288 |
| Average total loans | $184,467,000 | 2,377 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 3,083 |
| Cost of funding earning assets | 0.4548% | 3,771 |
| Net interest margin | 3.6323% | 2,371 |
| Noninterest income to average assets | 1.5400% | 433 |
| Noninterest expense to average assets | 2.8214% | 2,045 |
| Loan and lease loss provision to assets | 0.1899% | 2,125 |
| Net operating income to assets | 1.8373% | 465 |
| Return on assets (ROA) | 1.8373% | 510 |
| Pretax return on assets | 1.9036% | 668 |
| Return on Equity (ROE) | 13.6109% | 951 |
| Retained earnings to average equity (ytd only) | 4.4233% | 2,739 |
| Net charge-offs to loans | 0.1073% | 1,221 |
| Credit loss provision to net charge-offs | 239.7959% | 1,776 |
| Earnings coverage of net charge-offs (x) | 26.4388% | 1,524 |
| Efficiency ratio | 56.4853% | 3,886 |
| Assets per employee ($millions) | 4.9231% | 3,272 |
| Cash dividends to net income (ytd only)* | 67.5022% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 2,725 |
| Loan loss allowance to noncurrent loans | 77.7383% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.0578% | 1,097 |
| Noncurrent loans to loans | 1.4933% | 1,013 |
| Net loans and leases to total assets | 70.0113% | 2,026 |
| Net loans and leases to deposits | 84.3242% | 1,966 |
| Net loans and leases to core deposits | 87.2964% | 2,321 |
| Total domestic deposits to total assets | 83.0263% | 3,078 |
| Equity capital to assets | 12.9037% | 1,207 |
| Core capital (leverage) ratio | 11.8849% | 1,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,534,000 | 2,556 |
| Average earning assets | $229,993,000 | 2,553 |
| Average equity | $33,414,333 | 2,296 |
| Average total loans | $182,726,667 | 2,378 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 2,883 |
| Cost of funding earning assets | 0.4892% | 3,991 |
| Net interest margin | 3.8248% | 1,887 |
| Noninterest income to average assets | 1.2400% | 572 |
| Noninterest expense to average assets | 2.9063% | 2,107 |
| Loan and lease loss provision to assets | 0.0755% | 2,785 |
| Net operating income to assets | 1.7636% | 440 |
| Return on assets (ROA) | 1.7636% | 489 |
| Pretax return on assets | 1.8139% | 675 |
| Return on Equity (ROE) | 12.7512% | 924 |
| Retained earnings to average equity (ytd only) | 3.0452% | 3,067 |
| Net charge-offs to loans | 0.0156% | 2,060 |
| Credit loss provision to net charge-offs | 642.8571% | 756 |
| Earnings coverage of net charge-offs (x) | 160.8571% | 408 |
| Efficiency ratio | 59.6221% | 3,794 |
| Assets per employee ($millions) | 4.7042% | 2,983 |
| Cash dividends to net income (ytd only)* | 76.1180% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 2,815 |
| Loan loss allowance to noncurrent loans | 73.6842% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 1,064 |
| Noncurrent loans to loans | 1.5916% | 987 |
| Net loans and leases to total assets | 73.2711% | 1,734 |
| Net loans and leases to deposits | 88.4556% | 1,702 |
| Net loans and leases to core deposits | 91.9124% | 2,171 |
| Total domestic deposits to total assets | 82.8338% | 3,156 |
| Equity capital to assets | 13.8459% | 1,111 |
| Core capital (leverage) ratio | 12.4251% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,377,500 | 2,568 |
| Average earning assets | $221,608,500 | 2,560 |
| Average equity | $32,969,500 | 2,305 |
| Average total loans | $179,935,500 | 2,360 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 2,717 |
| Cost of funding earning assets | 0.4945% | 4,117 |
| Net interest margin | 4.0744% | 1,609 |
| Noninterest income to average assets | 1.1171% | 761 |
| Noninterest expense to average assets | 2.7847% | 2,653 |
| Loan and lease loss provision to assets | 0.1806% | 1,150 |
| Net operating income to assets | 1.8730% | 456 |
| Return on assets (ROA) | 1.9667% | 399 |
| Pretax return on assets | 2.0339% | 558 |
| Return on Equity (ROE) | 14.6987% | 747 |
| Retained earnings to average equity (ytd only) | 5.9165% | 1,910 |
| Net charge-offs to loans | 0.0348% | 2,692 |
| Credit loss provision to net charge-offs | 671.8750% | 470 |
| Earnings coverage of net charge-offs (x) | 78.7969% | 801 |
| Efficiency ratio | 55.5422% | 4,264 |
| Assets per employee ($millions) | 4.6440% | 3,027 |
| Cash dividends to net income (ytd only)* | 59.7480% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 2,807 |
| Loan loss allowance to noncurrent loans | 80.9806% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 1,132 |
| Noncurrent loans to loans | 1.3896% | 1,056 |
| Net loans and leases to total assets | 75.9789% | 1,421 |
| Net loans and leases to deposits | 91.6224% | 1,414 |
| Net loans and leases to core deposits | 95.2263% | 1,965 |
| Total domestic deposits to total assets | 82.9262% | 3,223 |
| Equity capital to assets | 13.8155% | 1,162 |
| Core capital (leverage) ratio | 12.0506% | 1,743 |
| Tier 1 risk-based capital ratio | 14.5582% | 2,987 |
| Total risk-based capital ratio | 15.5802% | 3,010 |
| Memoranda: | ||
| Average total assets | $238,119,400 | 2,534 |
| Average earning assets | $221,234,000 | 2,527 |
| Average equity | $31,860,000 | 2,306 |
| Average total loans | $183,947,800 | 2,277 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 2,844 |
| Cost of funding earning assets | 0.4924% | 4,174 |
| Net interest margin | 4.0732% | 1,691 |
| Noninterest income to average assets | 1.0535% | 831 |
| Noninterest expense to average assets | 2.7366% | 2,762 |
| Loan and lease loss provision to assets | 0.1845% | 978 |
| Net operating income to assets | 1.8547% | 558 |
| Return on assets (ROA) | 1.9795% | 431 |
| Pretax return on assets | 2.0444% | 623 |
| Return on Equity (ROE) | 14.9152% | 793 |
| Retained earnings to average equity (ytd only) | 6.8003% | 1,952 |
| Net charge-offs to loans | 0.0477% | 2,156 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 56.9076% | 1,093 |
| Efficiency ratio | 55.2023% | 4,255 |
| Assets per employee ($millions) | 4.8277% | 2,756 |
| Cash dividends to net income (ytd only)* | 54.4069% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,282 |
| Loan loss allowance to noncurrent loans | 70.8258% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.1336% | 1,152 |
| Noncurrent loans to loans | 1.4831% | 1,024 |
| Net loans and leases to total assets | 74.4922% | 1,718 |
| Net loans and leases to deposits | 89.2094% | 1,787 |
| Net loans and leases to core deposits | 93.0978% | 2,257 |
| Total domestic deposits to total assets | 83.5026% | 2,991 |
| Equity capital to assets | 13.2401% | 1,491 |
| Core capital (leverage) ratio | 12.1102% | 1,785 |
| Tier 1 risk-based capital ratio | 13.2721% | 3,703 |
| Total risk-based capital ratio | 14.1670% | 3,789 |
| Memoranda: | ||
| Average total assets | $238,438,750 | 2,555 |
| Average earning assets | $221,472,750 | 2,542 |
| Average equity | $31,644,750 | 2,331 |
| Average total loans | $184,435,250 | 2,298 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 2,741 |
| Cost of funding earning assets | 0.4843% | 4,186 |
| Net interest margin | 4.0932% | 1,628 |
| Noninterest income to average assets | 0.9235% | 1,027 |
| Noninterest expense to average assets | 2.7238% | 2,828 |
| Loan and lease loss provision to assets | 0.1526% | 1,194 |
| Net operating income to assets | 1.7874% | 613 |
| Return on assets (ROA) | 1.9462% | 449 |
| Pretax return on assets | 2.0089% | 669 |
| Return on Equity (ROE) | 14.6521% | 840 |
| Retained earnings to average equity (ytd only) | 7.2015% | 1,725 |
| Net charge-offs to loans | 0.0163% | 2,568 |
| Credit loss provision to net charge-offs | 1,200.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 157.0667% | 476 |
| Efficiency ratio | 56.2680% | 4,217 |
| Assets per employee ($millions) | 4.6642% | 2,922 |
| Cash dividends to net income (ytd only)* | 50.8497% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 3,756 |
| Loan loss allowance to noncurrent loans | 53.2718% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.4583% | 782 |
| Noncurrent loans to loans | 1.8333% | 816 |
| Net loans and leases to total assets | 78.7704% | 1,078 |
| Net loans and leases to deposits | 99.7232% | 699 |
| Net loans and leases to core deposits | 102.2549% | 1,533 |
| Total domestic deposits to total assets | 78.9890% | 4,227 |
| Equity capital to assets | 13.4836% | 1,327 |
| Core capital (leverage) ratio | 12.0117% | 1,822 |
| Tier 1 risk-based capital ratio | 13.9237% | 3,361 |
| Total risk-based capital ratio | 14.8309% | 3,435 |
| Memoranda: | ||
| Average total assets | $235,846,670 | 2,580 |
| Average earning assets | $218,851,330 | 2,571 |
| Average equity | $31,326,670 | 2,345 |
| Average total loans | $184,127,670 | 2,305 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 2,681 |
| Cost of funding earning assets | 0.4348% | 4,348 |
| Net interest margin | 4.1187% | 1,501 |
| Noninterest income to average assets | 0.8159% | 1,251 |
| Noninterest expense to average assets | 2.7305% | 2,808 |
| Loan and lease loss provision to assets | 0.1022% | 1,724 |
| Net operating income to assets | 1.7527% | 654 |
| Return on assets (ROA) | 1.7527% | 673 |
| Pretax return on assets | 1.8072% | 971 |
| Return on Equity (ROE) | 13.2976% | 1,139 |
| Retained earnings to average equity (ytd only) | 6.2030% | 2,365 |
| Net charge-offs to loans | 0.0308% | 1,835 |
| Credit loss provision to net charge-offs | 428.5714% | 662 |
| Earnings coverage of net charge-offs (x) | 80.0714% | 769 |
| Efficiency ratio | 57.3789% | 4,159 |
| Assets per employee ($millions) | 4.5126% | 3,171 |
| Cash dividends to net income (ytd only)* | 53.3528% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 3,972 |
| Loan loss allowance to noncurrent loans | 80.0093% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9209% | 1,521 |
| Noncurrent loans to loans | 1.1849% | 1,396 |
| Net loans and leases to total assets | 76.9821% | 1,321 |
| Net loans and leases to deposits | 93.5160% | 1,227 |
| Net loans and leases to core deposits | 95.8085% | 1,945 |
| Total domestic deposits to total assets | 82.3197% | 3,639 |
| Equity capital to assets | 13.3680% | 1,260 |
| Core capital (leverage) ratio | 11.7056% | 1,975 |
| Tier 1 risk-based capital ratio | 13.5474% | 3,581 |
| Total risk-based capital ratio | 14.3943% | 3,712 |
| Memoranda: | ||
| Average total assets | $234,832,500 | 2,606 |
| Average earning assets | $218,029,000 | 2,600 |
| Average equity | $30,953,000 | 2,362 |
| Average total loans | $181,580,000 | 2,352 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 3,169 |
| Cost of funding earning assets | 0.3058% | 4,549 |
| Net interest margin | 3.9782% | 2,065 |
| Noninterest income to average assets | 0.9447% | 1,073 |
| Noninterest expense to average assets | 3.0646% | 1,885 |
| Loan and lease loss provision to assets | 0.0509% | 3,170 |
| Net operating income to assets | 1.4685% | 1,208 |
| Return on assets (ROA) | 1.4685% | 1,198 |
| Pretax return on assets | 1.5172% | 1,722 |
| Return on Equity (ROE) | 11.6966% | 1,824 |
| Retained earnings to average equity (ytd only) | 5.8500% | 2,267 |
| Net charge-offs to loans | 0.0675% | 2,150 |
| Credit loss provision to net charge-offs | 101.6949% | 2,478 |
| Earnings coverage of net charge-offs (x) | 31.3559% | 1,547 |
| Efficiency ratio | 64.1021% | 3,178 |
| Assets per employee ($millions) | 4.5194% | 3,141 |
| Cash dividends to net income (ytd only)* | 49.9856% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 4,043 |
| Loan loss allowance to noncurrent loans | 79.3868% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 1,538 |
| Noncurrent loans to loans | 1.1727% | 1,374 |
| Net loans and leases to total assets | 76.2119% | 1,578 |
| Net loans and leases to deposits | 92.6560% | 1,446 |
| Net loans and leases to core deposits | 94.9182% | 2,149 |
| Total domestic deposits to total assets | 82.2525% | 3,572 |
| Equity capital to assets | 12.9940% | 1,353 |
| Core capital (leverage) ratio | 11.3714% | 2,203 |
| Tier 1 risk-based capital ratio | 13.3958% | 3,607 |
| Total risk-based capital ratio | 14.2267% | 3,744 |
| Memoranda: | ||
| Average total assets | $235,954,200 | 2,570 |
| Average earning assets | $218,740,000 | 2,570 |
| Average equity | $29,624,000 | 2,354 |
| Average total loans | $174,930,800 | 2,380 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2112% | 3,283 |
| Cost of funding earning assets | 0.2736% | 4,662 |
| Net interest margin | 3.9376% | 2,168 |
| Noninterest income to average assets | 0.9489% | 1,062 |
| Noninterest expense to average assets | 3.0771% | 1,821 |
| Loan and lease loss provision to assets | 0.0254% | 3,506 |
| Net operating income to assets | 1.4389% | 1,364 |
| Return on assets (ROA) | 1.4389% | 1,365 |
| Pretax return on assets | 1.4942% | 1,917 |
| Return on Equity (ROE) | 11.5615% | 1,967 |
| Retained earnings to average equity (ytd only) | 6.6085% | 2,330 |
| Net charge-offs to loans | 0.0915% | 1,587 |
| Credit loss provision to net charge-offs | 37.8151% | 2,920 |
| Earnings coverage of net charge-offs (x) | 22.6222% | 1,867 |
| Efficiency ratio | 64.6690% | 3,077 |
| Assets per employee ($millions) | 4.4425% | 3,213 |
| Cash dividends to net income (ytd only)* | 42.8402% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 4,288 |
| Loan loss allowance to noncurrent loans | 70.0829% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 1,289 |
| Noncurrent loans to loans | 1.2746% | 1,325 |
| Net loans and leases to total assets | 75.7239% | 1,703 |
| Net loans and leases to deposits | 91.7173% | 1,657 |
| Net loans and leases to core deposits | 93.4920% | 2,345 |
| Total domestic deposits to total assets | 82.5623% | 3,446 |
| Equity capital to assets | 12.7157% | 1,457 |
| Core capital (leverage) ratio | 11.4618% | 2,201 |
| Tier 1 risk-based capital ratio | 13.2197% | 3,776 |
| Total risk-based capital ratio | 14.0116% | 3,948 |
| Memoranda: | ||
| Average total assets | $236,190,750 | 2,581 |
| Average earning assets | $218,807,000 | 2,586 |
| Average equity | $29,395,750 | 2,378 |
| Average total loans | $173,466,750 | 2,412 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 3,410 |
| Cost of funding earning assets | 0.2576% | 4,711 |
| Net interest margin | 3.8536% | 2,370 |
| Noninterest income to average assets | 0.8958% | 1,194 |
| Noninterest expense to average assets | 3.1476% | 1,667 |
| Loan and lease loss provision to assets | 0.0127% | 3,607 |
| Net operating income to assets | 1.2528% | 1,969 |
| Return on assets (ROA) | 1.2528% | 1,969 |
| Pretax return on assets | 1.3044% | 2,493 |
| Return on Equity (ROE) | 10.1387% | 2,505 |
| Retained earnings to average equity (ytd only) | 4.6894% | 3,242 |
| Net charge-offs to loans | 0.1506% | 1,025 |
| Credit loss provision to net charge-offs | 11.6279% | 2,723 |
| Earnings coverage of net charge-offs (x) | 12.0698% | 2,227 |
| Efficiency ratio | 68.3403% | 2,585 |
| Assets per employee ($millions) | 4.9228% | 2,524 |
| Cash dividends to net income (ytd only)* | 53.7475% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 4,281 |
| Loan loss allowance to noncurrent loans | 87.7380% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9210% | 1,637 |
| Noncurrent loans to loans | 1.0402% | 1,686 |
| Net loans and leases to total assets | 73.5355% | 2,023 |
| Net loans and leases to deposits | 85.8191% | 2,337 |
| Net loans and leases to core deposits | 87.1283% | 2,808 |
| Total domestic deposits to total assets | 85.6866% | 2,414 |
| Equity capital to assets | 12.6831% | 1,449 |
| Core capital (leverage) ratio | 11.2709% | 2,286 |
| Tier 1 risk-based capital ratio | 13.3392% | 3,712 |
| Total risk-based capital ratio | 14.1507% | 3,868 |
| Memoranda: | ||
| Average total assets | $236,437,670 | 2,593 |
| Average earning assets | $218,961,670 | 2,594 |
| Average equity | $29,214,670 | 2,402 |
| Average total loans | $171,322,670 | 2,444 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,414 |
| Cost of funding earning assets | 0.2491% | 4,714 |
| Net interest margin | 3.8016% | 2,420 |
| Noninterest income to average assets | 0.8788% | 1,206 |
| Noninterest expense to average assets | 2.8690% | 2,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4864% | 1,114 |
| Return on assets (ROA) | 1.4864% | 1,116 |
| Pretax return on assets | 1.5349% | 1,582 |
| Return on Equity (ROE) | 12.1855% | 1,512 |
| Retained earnings to average equity (ytd only) | 6.2848% | 2,592 |
| Net charge-offs to loans | 0.0093% | 2,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 229.2500% | 292 |
| Efficiency ratio | 62.7898% | 3,665 |
| Assets per employee ($millions) | 5.0282% | 2,455 |
| Cash dividends to net income (ytd only)* | 48.4234% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 4,047 |
| Loan loss allowance to noncurrent loans | 98.0129% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 2,146 |
| Noncurrent loans to loans | 1.0043% | 1,817 |
| Net loans and leases to total assets | 71.3808% | 2,274 |
| Net loans and leases to deposits | 82.6284% | 2,535 |
| Net loans and leases to core deposits | 84.2191% | 2,957 |
| Total domestic deposits to total assets | 86.3878% | 2,367 |
| Equity capital to assets | 12.3546% | 1,574 |
| Core capital (leverage) ratio | 10.8952% | 2,545 |
| Tier 1 risk-based capital ratio | 13.7901% | 3,504 |
| Total risk-based capital ratio | 14.6907% | 3,609 |
| Memoranda: | ||
| Average total assets | $238,971,500 | 2,594 |
| Average earning assets | $221,593,000 | 2,599 |
| Average equity | $29,149,500 | 2,427 |
| Average total loans | $171,131,000 | 2,459 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 2,295 |
| Cost of funding earning assets | 0.2455% | 4,608 |
| Net interest margin | 4.0632% | 1,553 |
| Noninterest income to average assets | 0.9874% | 1,049 |
| Noninterest expense to average assets | 2.9961% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7703% | 457 |
| Return on assets (ROA) | 1.8883% | 359 |
| Pretax return on assets | 1.9556% | 541 |
| Return on Equity (ROE) | 12.9940% | 952 |
| Retained earnings to average equity (ytd only) | -31.0487% | 5,641 |
| Net charge-offs to loans | -0.1625% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1225% | 4,095 |
| Assets per employee ($millions) | 5.1408% | 2,323 |
| Cash dividends to net income (ytd only)* | 338.9470% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 4,062 |
| Loan loss allowance to noncurrent loans | 105.2599% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6630% | 2,329 |
| Noncurrent loans to loans | 0.9291% | 1,923 |
| Net loans and leases to total assets | 70.4473% | 2,456 |
| Net loans and leases to deposits | 81.7570% | 2,745 |
| Net loans and leases to core deposits | 83.2957% | 3,125 |
| Total domestic deposits to total assets | 86.1667% | 2,362 |
| Equity capital to assets | 12.0446% | 1,802 |
| Core capital (leverage) ratio | 10.6939% | 2,657 |
| Tier 1 risk-based capital ratio | 13.6491% | 3,546 |
| Total risk-based capital ratio | 14.5536% | 3,656 |
| Memoranda: | ||
| Average total assets | $161,945,800 | 3,327 |
| Average earning assets | $153,154,600 | 3,278 |
| Average equity | $23,534,000 | 2,804 |
| Average total loans | $127,354,800 | 2,953 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 2,482 |
| Cost of funding earning assets | 0.2274% | 4,758 |
| Net interest margin | 4.0107% | 1,665 |
| Noninterest income to average assets | 0.9660% | 1,101 |
| Noninterest expense to average assets | 2.9055% | 2,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8017% | 466 |
| Return on assets (ROA) | 1.9188% | 375 |
| Pretax return on assets | 2.0080% | 535 |
| Return on Equity (ROE) | 12.3081% | 1,240 |
| Retained earnings to average equity (ytd only) | 4.7029% | 3,077 |
| Net charge-offs to loans | -0.2776% | 5,595 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6387% | 4,109 |
| Assets per employee ($millions) | 4.5541% | 3,042 |
| Cash dividends to net income (ytd only)* | 61.7906% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,884 |
| Loan loss allowance to noncurrent loans | 118.5083% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0149% | 1,667 |
| Noncurrent loans to loans | 1.1827% | 1,624 |
| Net loans and leases to total assets | 82.8328% | 567 |
| Net loans and leases to deposits | 99.9818% | 748 |
| Net loans and leases to core deposits | 100.3992% | 1,670 |
| Total domestic deposits to total assets | 82.8478% | 3,509 |
| Equity capital to assets | 15.4819% | 633 |
| Core capital (leverage) ratio | 15.0469% | 656 |
| Tier 1 risk-based capital ratio | 17.0657% | 2,137 |
| Total risk-based capital ratio | 18.3163% | 2,091 |
| Memoranda: | ||
| Average total assets | $142,027,500 | 3,616 |
| Average earning assets | $135,466,250 | 3,544 |
| Average equity | $22,142,000 | 2,961 |
| Average total loans | $116,219,750 | 3,134 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,210 |
| Cost of funding earning assets | 0.2309% | 4,709 |
| Net interest margin | 4.0441% | 1,477 |
| Noninterest income to average assets | 0.7813% | 1,639 |
| Noninterest expense to average assets | 2.7601% | 2,891 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7920% | 459 |
| Return on assets (ROA) | 1.9674% | 334 |
| Pretax return on assets | 2.0626% | 478 |
| Return on Equity (ROE) | 12.5898% | 1,144 |
| Retained earnings to average equity (ytd only) | 4.5360% | 3,011 |
| Net charge-offs to loans | -0.4240% | 5,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5100% | 4,398 |
| Assets per employee ($millions) | 4.2738% | 3,480 |
| Cash dividends to net income (ytd only)* | 63.9711% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,689 |
| Loan loss allowance to noncurrent loans | 137.2800% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.9083% | 1,948 |
| Noncurrent loans to loans | 1.0699% | 1,831 |
| Net loans and leases to total assets | 81.6260% | 723 |
| Net loans and leases to deposits | 99.1431% | 805 |
| Net loans and leases to core deposits | 100.0922% | 1,642 |
| Total domestic deposits to total assets | 82.3315% | 3,791 |
| Equity capital to assets | 15.8023% | 556 |
| Core capital (leverage) ratio | 15.4020% | 561 |
| Tier 1 risk-based capital ratio | 16.4302% | 2,348 |
| Total risk-based capital ratio | 17.6805% | 2,297 |
| Memoranda: | ||
| Average total assets | $140,793,000 | 3,650 |
| Average earning assets | $134,269,670 | 3,588 |
| Average equity | $22,002,000 | 2,972 |
| Average total loans | $114,150,000 | 3,166 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 1,854 |
| Cost of funding earning assets | 0.2505% | 4,533 |
| Net interest margin | 4.0879% | 1,241 |
| Noninterest income to average assets | 0.7194% | 1,874 |
| Noninterest expense to average assets | 2.7411% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7886% | 459 |
| Return on assets (ROA) | 1.7886% | 472 |
| Pretax return on assets | 1.8767% | 677 |
| Return on Equity (ROE) | 11.5099% | 1,404 |
| Retained earnings to average equity (ytd only) | 1.0430% | 4,638 |
| Net charge-offs to loans | -0.8617% | 5,777 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3596% | 4,551 |
| Assets per employee ($millions) | 4.3136% | 3,481 |
| Cash dividends to net income (ytd only)* | 90.9380% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 1,613 |
| Loan loss allowance to noncurrent loans | 138.5795% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 2,009 |
| Noncurrent loans to loans | 1.0996% | 1,860 |
| Net loans and leases to total assets | 80.3841% | 786 |
| Net loans and leases to deposits | 97.6623% | 796 |
| Net loans and leases to core deposits | 98.6171% | 1,612 |
| Total domestic deposits to total assets | 82.3082% | 4,082 |
| Equity capital to assets | 15.8596% | 517 |
| Core capital (leverage) ratio | 15.1839% | 573 |
| Tier 1 risk-based capital ratio | 16.6786% | 2,288 |
| Total risk-based capital ratio | 17.9296% | 2,253 |
| Memoranda: | ||
| Average total assets | $140,671,500 | 3,685 |
| Average earning assets | $134,152,000 | 3,624 |
| Average equity | $21,859,500 | 2,999 |
| Average total loans | $112,806,000 | 3,203 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 3,515 |
| Cost of funding earning assets | 0.3524% | 3,491 |
| Net interest margin | 3.5641% | 3,208 |
| Noninterest income to average assets | 1.0557% | 1,010 |
| Noninterest expense to average assets | 2.6948% | 3,355 |
| Loan and lease loss provision to assets | 0.0241% | 3,882 |
| Net operating income to assets | 1.6654% | 590 |
| Return on assets (ROA) | 1.6687% | 613 |
| Pretax return on assets | 1.7388% | 917 |
| Return on Equity (ROE) | 11.2637% | 1,485 |
| Retained earnings to average equity (ytd only) | 5.1308% | 2,258 |
| Net charge-offs to loans | -0.0009% | 4,643 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4999% | 4,503 |
| Assets per employee ($millions) | 4.4783% | 3,147 |
| Cash dividends to net income (ytd only)* | 54.4481% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,521 |
| Loan loss allowance to noncurrent loans | 61.2381% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.6796% | 924 |
| Noncurrent loans to loans | 2.1313% | 814 |
| Net loans and leases to total assets | 77.7785% | 1,231 |
| Net loans and leases to deposits | 98.5299% | 779 |
| Net loans and leases to core deposits | 99.4957% | 1,660 |
| Total domestic deposits to total assets | 78.9389% | 4,809 |
| Equity capital to assets | 15.2309% | 608 |
| Core capital (leverage) ratio | 13.8568% | 855 |
| Tier 1 risk-based capital ratio | 15.8250% | 2,620 |
| Total risk-based capital ratio | 16.9997% | 2,575 |
| Memoranda: | ||
| Average total assets | $145,502,000 | 3,584 |
| Average earning assets | $138,745,400 | 3,513 |
| Average equity | $21,556,000 | 3,016 |
| Average total loans | $113,209,000 | 3,170 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 3,571 |
| Cost of funding earning assets | 0.3466% | 3,568 |
| Net interest margin | 3.5580% | 3,241 |
| Noninterest income to average assets | 1.1338% | 895 |
| Noninterest expense to average assets | 2.6264% | 3,574 |
| Loan and lease loss provision to assets | 0.0183% | 3,879 |
| Net operating income to assets | 1.8078% | 484 |
| Return on assets (ROA) | 1.8130% | 500 |
| Pretax return on assets | 1.8870% | 728 |
| Return on Equity (ROE) | 12.3227% | 1,222 |
| Retained earnings to average equity (ytd only) | 6.4778% | 1,927 |
| Net charge-offs to loans | -0.0024% | 4,510 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0274% | 4,806 |
| Assets per employee ($millions) | 4.5061% | 3,075 |
| Cash dividends to net income (ytd only)* | 47.4321% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,790 |
| Loan loss allowance to noncurrent loans | 64.1319% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.6089% | 1,086 |
| Noncurrent loans to loans | 1.9981% | 988 |
| Net loans and leases to total assets | 77.9500% | 1,209 |
| Net loans and leases to deposits | 98.9715% | 780 |
| Net loans and leases to core deposits | 99.9440% | 1,641 |
| Total domestic deposits to total assets | 78.7600% | 4,776 |
| Equity capital to assets | 15.3396% | 664 |
| Core capital (leverage) ratio | 14.0240% | 841 |
| Tier 1 risk-based capital ratio | 14.1059% | 3,502 |
| Total risk-based capital ratio | 15.1459% | 3,540 |
| Memoranda: | ||
| Average total assets | $146,050,750 | 3,591 |
| Average earning assets | $139,248,750 | 3,523 |
| Average equity | $21,488,250 | 3,045 |
| Average total loans | $113,277,250 | 3,176 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 3,719 |
| Cost of funding earning assets | 0.3419% | 3,654 |
| Net interest margin | 3.5231% | 3,402 |
| Noninterest income to average assets | 1.0854% | 954 |
| Noninterest expense to average assets | 2.6100% | 3,691 |
| Loan and lease loss provision to assets | 0.0273% | 3,580 |
| Net operating income to assets | 1.7402% | 535 |
| Return on assets (ROA) | 1.7468% | 557 |
| Pretax return on assets | 1.8136% | 857 |
| Return on Equity (ROE) | 12.0406% | 1,305 |
| Retained earnings to average equity (ytd only) | 6.2506% | 1,990 |
| Net charge-offs to loans | -0.0018% | 4,361 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7297% | 4,804 |
| Assets per employee ($millions) | 4.5870% | 2,886 |
| Cash dividends to net income (ytd only)* | 48.0874% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,898 |
| Loan loss allowance to noncurrent loans | 68.2094% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.5373% | 1,230 |
| Noncurrent loans to loans | 1.8774% | 1,084 |
| Net loans and leases to total assets | 79.1001% | 1,048 |
| Net loans and leases to deposits | 98.9757% | 788 |
| Net loans and leases to core deposits | 99.9476% | 1,639 |
| Total domestic deposits to total assets | 79.9187% | 4,568 |
| Equity capital to assets | 15.3182% | 665 |
| Core capital (leverage) ratio | 13.7433% | 885 |
| Tier 1 risk-based capital ratio | 13.8739% | 3,682 |
| Total risk-based capital ratio | 14.9137% | 3,720 |
| Memoranda: | ||
| Average total assets | $146,669,330 | 3,605 |
| Average earning assets | $139,820,330 | 3,540 |
| Average equity | $21,278,000 | 3,070 |
| Average total loans | $113,083,330 | 3,188 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7725% | 4,052 |
| Cost of funding earning assets | 0.3406% | 3,710 |
| Net interest margin | 3.4318% | 3,757 |
| Noninterest income to average assets | 1.1121% | 882 |
| Noninterest expense to average assets | 2.5734% | 3,829 |
| Loan and lease loss provision to assets | 0.0537% | 2,864 |
| Net operating income to assets | 1.6975% | 581 |
| Return on assets (ROA) | 1.6923% | 624 |
| Pretax return on assets | 1.7541% | 933 |
| Return on Equity (ROE) | 11.9852% | 1,319 |
| Retained earnings to average equity (ytd only) | 6.2779% | 2,247 |
| Net charge-offs to loans | -0.0036% | 4,210 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6650% | 4,919 |
| Assets per employee ($millions) | 4.5348% | 3,008 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,891 |
| Loan loss allowance to noncurrent loans | 56.6162% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.9219% | 928 |
| Noncurrent loans to loans | 2.2966% | 874 |
| Net loans and leases to total assets | 76.3181% | 1,341 |
| Net loans and leases to deposits | 94.0336% | 1,141 |
| Net loans and leases to core deposits | 94.6427% | 1,928 |
| Total domestic deposits to total assets | 81.1605% | 4,439 |
| Equity capital to assets | 14.6629% | 786 |
| Core capital (leverage) ratio | 13.1147% | 1,116 |
| Tier 1 risk-based capital ratio | 13.7162% | 3,854 |
| Total risk-based capital ratio | 14.7588% | 3,897 |
| Memoranda: | ||
| Average total assets | $148,905,500 | 3,597 |
| Average earning assets | $142,082,500 | 3,525 |
| Average equity | $21,026,000 | 3,095 |
| Average total loans | $112,656,500 | 3,203 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,316 |
| Cost of funding earning assets | 0.3389% | 3,809 |
| Net interest margin | 3.3795% | 3,990 |
| Noninterest income to average assets | 0.8074% | 1,761 |
| Noninterest expense to average assets | 2.5129% | 4,188 |
| Loan and lease loss provision to assets | 0.0199% | 4,004 |
| Net operating income to assets | 1.4173% | 1,008 |
| Return on assets (ROA) | 1.4364% | 999 |
| Pretax return on assets | 1.5007% | 1,553 |
| Return on Equity (ROE) | 10.5396% | 1,787 |
| Retained earnings to average equity (ytd only) | 3.6818% | 3,432 |
| Net charge-offs to loans | 0.0036% | 4,331 |
| Credit loss provision to net charge-offs | 750.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 566.0000% | 116 |
| Efficiency ratio | 62.6094% | 4,513 |
| Assets per employee ($millions) | 4.7718% | 2,645 |
| Cash dividends to net income (ytd only)* | 65.0669% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 3,059 |
| Loan loss allowance to noncurrent loans | 60.0418% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6255% | 1,208 |
| Noncurrent loans to loans | 2.1175% | 965 |
| Net loans and leases to total assets | 73.1303% | 1,863 |
| Net loans and leases to deposits | 88.7493% | 1,780 |
| Net loans and leases to core deposits | 89.2865% | 2,468 |
| Total domestic deposits to total assets | 82.4010% | 4,048 |
| Equity capital to assets | 13.6048% | 1,085 |
| Core capital (leverage) ratio | 12.8373% | 1,214 |
| Tier 1 risk-based capital ratio | 13.4236% | 4,044 |
| Total risk-based capital ratio | 14.4385% | 4,103 |
| Memoranda: | ||
| Average total assets | $150,861,600 | 3,557 |
| Average earning assets | $143,129,400 | 3,497 |
| Average equity | $20,560,600 | 3,115 |
| Average total loans | $110,653,600 | 3,188 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 4,402 |
| Cost of funding earning assets | 0.3407% | 3,852 |
| Net interest margin | 3.3649% | 4,091 |
| Noninterest income to average assets | 0.8803% | 1,508 |
| Noninterest expense to average assets | 2.4848% | 4,244 |
| Loan and lease loss provision to assets | 0.0266% | 3,733 |
| Net operating income to assets | 1.4898% | 934 |
| Return on assets (ROA) | 1.5026% | 952 |
| Pretax return on assets | 1.5691% | 1,482 |
| Return on Equity (ROE) | 11.0202% | 1,698 |
| Retained earnings to average equity (ytd only) | 4.2911% | 3,413 |
| Net charge-offs to loans | 0.0267% | 3,411 |
| Credit loss provision to net charge-offs | 136.3636% | 1,808 |
| Earnings coverage of net charge-offs (x) | 81.1435% | 735 |
| Efficiency ratio | 61.0942% | 4,713 |
| Assets per employee ($millions) | 4.6513% | 2,768 |
| Cash dividends to net income (ytd only)* | 61.0622% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 3,226 |
| Loan loss allowance to noncurrent loans | 58.3402% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.6310% | 629 |
| Noncurrent loans to loans | 2.1880% | 1,008 |
| Net loans and leases to total assets | 73.7836% | 1,773 |
| Net loans and leases to deposits | 90.1702% | 1,625 |
| Net loans and leases to core deposits | 90.7334% | 2,383 |
| Total domestic deposits to total assets | 81.8270% | 4,218 |
| Equity capital to assets | 14.0175% | 1,015 |
| Core capital (leverage) ratio | 13.1159% | 1,165 |
| Tier 1 risk-based capital ratio | 13.3938% | 4,199 |
| Total risk-based capital ratio | 14.3985% | 4,269 |
| Memoranda: | ||
| Average total assets | $150,403,000 | 3,594 |
| Average earning assets | $142,448,000 | 3,538 |
| Average equity | $20,507,250 | 3,150 |
| Average total loans | $110,040,750 | 3,232 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6771% | 4,479 |
| Cost of funding earning assets | 0.3424% | 3,896 |
| Net interest margin | 3.3346% | 4,160 |
| Noninterest income to average assets | 0.9064% | 1,424 |
| Noninterest expense to average assets | 2.5099% | 4,213 |
| Loan and lease loss provision to assets | 0.0398% | 3,322 |
| Net operating income to assets | 1.4545% | 976 |
| Return on assets (ROA) | 1.4736% | 993 |
| Pretax return on assets | 1.5385% | 1,532 |
| Return on Equity (ROE) | 10.9082% | 1,712 |
| Retained earnings to average equity (ytd only) | 4.4339% | 3,190 |
| Net charge-offs to loans | 0.0401% | 2,879 |
| Credit loss provision to net charge-offs | 136.3636% | 1,636 |
| Earnings coverage of net charge-offs (x) | 53.4545% | 910 |
| Efficiency ratio | 61.6938% | 4,727 |
| Assets per employee ($millions) | 4.7005% | 2,680 |
| Cash dividends to net income (ytd only)* | 59.3525% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 3,284 |
| Loan loss allowance to noncurrent loans | 58.9456% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.7636% | 643 |
| Noncurrent loans to loans | 2.1931% | 1,094 |
| Net loans and leases to total assets | 74.4098% | 1,595 |
| Net loans and leases to deposits | 91.1450% | 1,467 |
| Net loans and leases to core deposits | 92.1278% | 2,145 |
| Total domestic deposits to total assets | 81.6389% | 4,409 |
| Equity capital to assets | 14.1110% | 951 |
| Core capital (leverage) ratio | 12.1052% | 1,594 |
| Tier 1 risk-based capital ratio | 12.9327% | 4,556 |
| Total risk-based capital ratio | 13.9530% | 4,604 |
| Memoranda: | ||
| Average total assets | $150,923,330 | 3,618 |
| Average earning assets | $143,103,670 | 3,553 |
| Average equity | $20,388,330 | 3,175 |
| Average total loans | $109,640,670 | 3,257 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 4,659 |
| Cost of funding earning assets | 0.3451% | 3,929 |
| Net interest margin | 3.2647% | 4,368 |
| Noninterest income to average assets | 0.7295% | 2,027 |
| Noninterest expense to average assets | 2.4908% | 4,294 |
| Loan and lease loss provision to assets | 0.0391% | 3,126 |
| Net operating income to assets | 1.2469% | 1,415 |
| Return on assets (ROA) | 1.2845% | 1,411 |
| Pretax return on assets | 1.3444% | 2,102 |
| Return on Equity (ROE) | 9.7136% | 2,127 |
| Retained earnings to average equity (ytd only) | 2.8175% | 4,273 |
| Net charge-offs to loans | 0.0548% | 2,224 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 34.4000% | 1,062 |
| Efficiency ratio | 64.9457% | 4,330 |
| Assets per employee ($millions) | 4.8231% | 2,589 |
| Cash dividends to net income (ytd only)* | 70.9939% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 3,436 |
| Loan loss allowance to noncurrent loans | 59.8305% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.5658% | 823 |
| Noncurrent loans to loans | 2.1623% | 1,182 |
| Net loans and leases to total assets | 69.8007% | 2,166 |
| Net loans and leases to deposits | 84.3121% | 2,026 |
| Net loans and leases to core deposits | 85.1566% | 2,637 |
| Total domestic deposits to total assets | 82.7884% | 4,239 |
| Equity capital to assets | 13.2242% | 1,292 |
| Core capital (leverage) ratio | 11.7642% | 1,801 |
| Tier 1 risk-based capital ratio | 12.6529% | 4,810 |
| Total risk-based capital ratio | 13.6632% | 4,879 |
| Memoranda: | ||
| Average total assets | $153,527,000 | 3,598 |
| Average earning assets | $146,048,000 | 3,535 |
| Average equity | $20,301,500 | 3,201 |
| Average total loans | $109,537,500 | 3,265 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 3,933 |
| Cost of funding earning assets | 0.4675% | 2,999 |
| Net interest margin | 3.4803% | 3,869 |
| Noninterest income to average assets | 1.3672% | 656 |
| Noninterest expense to average assets | 2.6934% | 3,887 |
| Loan and lease loss provision to assets | 0.2183% | 1,129 |
| Net operating income to assets | 1.6754% | 605 |
| Return on assets (ROA) | 1.6871% | 614 |
| Pretax return on assets | 1.7540% | 882 |
| Return on Equity (ROE) | 12.7034% | 1,207 |
| Retained earnings to average equity (ytd only) | 4.6643% | 2,845 |
| Net charge-offs to loans | 0.1697% | 2,332 |
| Credit loss provision to net charge-offs | 173.9130% | 1,397 |
| Earnings coverage of net charge-offs (x) | 15.6141% | 2,070 |
| Efficiency ratio | 57.8801% | 5,469 |
| Assets per employee ($millions) | 4.7724% | 2,630 |
| Cash dividends to net income (ytd only)* | 63.2835% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 3,513 |
| Loan loss allowance to noncurrent loans | 57.4919% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 2.7810% | 779 |
| Noncurrent loans to loans | 2.2341% | 1,181 |
| Net loans and leases to total assets | 71.0613% | 2,064 |
| Net loans and leases to deposits | 89.3678% | 1,576 |
| Net loans and leases to core deposits | 90.3086% | 2,246 |
| Total domestic deposits to total assets | 79.5156% | 5,140 |
| Equity capital to assets | 13.2226% | 1,264 |
| Core capital (leverage) ratio | 11.6089% | 1,893 |
| Tier 1 risk-based capital ratio | 12.1540% | 5,260 |
| Total risk-based capital ratio | 13.0688% | 5,392 |
| Memoranda: | ||
| Average total assets | $146,579,000 | 3,684 |
| Average earning assets | $138,409,400 | 3,623 |
| Average equity | $19,467,200 | 3,220 |
| Average total loans | $108,401,600 | 3,256 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 3,736 |
| Cost of funding earning assets | 0.4720% | 3,037 |
| Net interest margin | 3.5334% | 3,704 |
| Noninterest income to average assets | 1.5011% | 560 |
| Noninterest expense to average assets | 2.7108% | 3,792 |
| Loan and lease loss provision to assets | 0.2804% | 729 |
| Net operating income to assets | 1.7774% | 532 |
| Return on assets (ROA) | 1.7934% | 530 |
| Pretax return on assets | 1.8569% | 787 |
| Return on Equity (ROE) | 13.4880% | 1,098 |
| Retained earnings to average equity (ytd only) | 6.4709% | 2,121 |
| Net charge-offs to loans | 0.2432% | 1,580 |
| Credit loss provision to net charge-offs | 154.8223% | 1,537 |
| Earnings coverage of net charge-offs (x) | 11.7107% | 2,387 |
| Efficiency ratio | 56.1073% | 5,652 |
| Assets per employee ($millions) | 4.6046% | 2,805 |
| Cash dividends to net income (ytd only)* | 52.0246% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 4,002 |
| Loan loss allowance to noncurrent loans | 56.1916% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 2.9298% | 822 |
| Noncurrent loans to loans | 2.2129% | 1,370 |
| Net loans and leases to total assets | 74.5976% | 1,427 |
| Net loans and leases to deposits | 94.8616% | 969 |
| Net loans and leases to core deposits | 95.7024% | 1,698 |
| Total domestic deposits to total assets | 78.6383% | 5,405 |
| Equity capital to assets | 13.6520% | 1,124 |
| Core capital (leverage) ratio | 12.0834% | 1,647 |
| Tier 1 risk-based capital ratio | 12.1708% | 5,389 |
| Total risk-based capital ratio | 13.0916% | 5,510 |
| Memoranda: | ||
| Average total assets | $145,044,750 | 3,744 |
| Average earning assets | $136,710,750 | 3,679 |
| Average equity | $19,285,750 | 3,256 |
| Average total loans | $108,018,500 | 3,286 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,604 |
| Cost of funding earning assets | 0.4740% | 3,074 |
| Net interest margin | 3.5597% | 3,531 |
| Noninterest income to average assets | 1.1755% | 848 |
| Noninterest expense to average assets | 2.6671% | 3,994 |
| Loan and lease loss provision to assets | 0.4228% | 392 |
| Net operating income to assets | 1.3710% | 1,133 |
| Return on assets (ROA) | 1.3724% | 1,166 |
| Pretax return on assets | 1.4389% | 1,756 |
| Return on Equity (ROE) | 10.4161% | 1,971 |
| Retained earnings to average equity (ytd only) | 4.4716% | 3,326 |
| Net charge-offs to loans | 0.3554% | 1,153 |
| Credit loss provision to net charge-offs | 160.5263% | 1,391 |
| Earnings coverage of net charge-offs (x) | 7.0632% | 2,686 |
| Efficiency ratio | 58.9100% | 5,443 |
| Assets per employee ($millions) | 4.4387% | 3,023 |
| Cash dividends to net income (ytd only)* | 57.0707% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 3,968 |
| Loan loss allowance to noncurrent loans | 53.7688% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.1569% | 795 |
| Noncurrent loans to loans | 2.3794% | 1,340 |
| Net loans and leases to total assets | 75.5678% | 1,223 |
| Net loans and leases to deposits | 96.6164% | 763 |
| Net loans and leases to core deposits | 97.7345% | 1,463 |
| Total domestic deposits to total assets | 78.2143% | 5,596 |
| Equity capital to assets | 13.8857% | 1,019 |
| Core capital (leverage) ratio | 12.4176% | 1,438 |
| Tier 1 risk-based capital ratio | 12.3743% | 5,315 |
| Total risk-based capital ratio | 13.3669% | 5,395 |
| Memoranda: | ||
| Average total assets | $144,277,000 | 3,778 |
| Average earning assets | $135,852,670 | 3,712 |
| Average equity | $19,009,000 | 3,287 |
| Average total loans | $106,924,000 | 3,311 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 4,201 |
| Cost of funding earning assets | 0.4739% | 3,189 |
| Net interest margin | 3.3993% | 4,116 |
| Noninterest income to average assets | 1.0922% | 934 |
| Noninterest expense to average assets | 2.5915% | 4,301 |
| Loan and lease loss provision to assets | 0.3714% | 457 |
| Net operating income to assets | 1.2683% | 1,300 |
| Return on assets (ROA) | 1.2683% | 1,351 |
| Pretax return on assets | 1.3260% | 2,003 |
| Return on Equity (ROE) | 9.8863% | 2,084 |
| Retained earnings to average equity (ytd only) | 3.1310% | 4,246 |
| Net charge-offs to loans | 0.7206% | 486 |
| Credit loss provision to net charge-offs | 70.6806% | 1,998 |
| Earnings coverage of net charge-offs (x) | 3.2304% | 2,718 |
| Efficiency ratio | 60.4233% | 5,345 |
| Assets per employee ($millions) | 4.5301% | 2,924 |
| Cash dividends to net income (ytd only)* | 68.3297% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 4,939 |
| Loan loss allowance to noncurrent loans | 108.3481% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.1061% | 1,588 |
| Noncurrent loans to loans | 1.0499% | 3,323 |
| Net loans and leases to total assets | 73.1414% | 1,407 |
| Net loans and leases to deposits | 92.6608% | 905 |
| Net loans and leases to core deposits | 93.6999% | 1,573 |
| Total domestic deposits to total assets | 78.9346% | 5,697 |
| Equity capital to assets | 13.3551% | 1,154 |
| Core capital (leverage) ratio | 11.9589% | 1,675 |
| Tier 1 risk-based capital ratio | 12.4355% | 5,353 |
| Total risk-based capital ratio | 13.3247% | 5,528 |
| Memoranda: | ||
| Average total assets | $145,396,500 | 3,777 |
| Average earning assets | $136,735,000 | 3,718 |
| Average equity | $18,652,000 | 3,328 |
| Average total loans | $106,023,000 | 3,343 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 3,906 |
| Cost of funding earning assets | 0.5030% | 3,579 |
| Net interest margin | 3.5514% | 3,671 |
| Noninterest income to average assets | 1.2946% | 831 |
| Noninterest expense to average assets | 2.6784% | 4,170 |
| Loan and lease loss provision to assets | 0.0648% | 3,834 |
| Net operating income to assets | 1.8350% | 452 |
| Return on assets (ROA) | 1.8266% | 466 |
| Pretax return on assets | 1.8828% | 626 |
| Return on Equity (ROE) | 14.3128% | 886 |
| Retained earnings to average equity (ytd only) | 4.7502% | 2,770 |
| Net charge-offs to loans | 0.0515% | 4,496 |
| Credit loss provision to net charge-offs | 176.4706% | 1,296 |
| Earnings coverage of net charge-offs (x) | 53.2745% | 756 |
| Efficiency ratio | 57.7909% | 5,760 |
| Assets per employee ($millions) | 4.5572% | 2,811 |
| Cash dividends to net income (ytd only)* | 66.8112% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 4,554 |
| Loan loss allowance to noncurrent loans | 48.3333% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.1214% | 997 |
| Noncurrent loans to loans | 2.5191% | 1,494 |
| Net loans and leases to total assets | 70.9881% | 1,842 |
| Net loans and leases to deposits | 88.6205% | 1,396 |
| Net loans and leases to core deposits | 89.5922% | 2,071 |
| Total domestic deposits to total assets | 80.1035% | 5,425 |
| Equity capital to assets | 12.3047% | 1,622 |
| Core capital (leverage) ratio | 11.0445% | 2,350 |
| Tier 1 risk-based capital ratio | 13.2182% | 4,839 |
| Total risk-based capital ratio | 14.2680% | 4,910 |
| Memoranda: | ||
| Average total assets | $138,888,400 | 3,903 |
| Average earning assets | $130,623,400 | 3,832 |
| Average equity | $17,725,400 | 3,464 |
| Average total loans | $98,979,200 | 3,468 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 3,811 |
| Cost of funding earning assets | 0.5105% | 3,670 |
| Net interest margin | 3.5785% | 3,542 |
| Noninterest income to average assets | 1.4115% | 739 |
| Noninterest expense to average assets | 2.6559% | 4,176 |
| Loan and lease loss provision to assets | 0.0729% | 3,600 |
| Net operating income to assets | 1.9789% | 376 |
| Return on assets (ROA) | 1.9676% | 395 |
| Pretax return on assets | 2.0308% | 544 |
| Return on Equity (ROE) | 15.2716% | 758 |
| Retained earnings to average equity (ytd only) | 6.7077% | 2,029 |
| Net charge-offs to loans | 0.0820% | 3,776 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | 36.2658% | 1,079 |
| Efficiency ratio | 55.6642% | 5,950 |
| Assets per employee ($millions) | 4.2800% | 3,272 |
| Cash dividends to net income (ytd only)* | 56.0772% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 4,779 |
| Loan loss allowance to noncurrent loans | 50.5450% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 3.0983% | 1,185 |
| Noncurrent loans to loans | 2.4155% | 1,817 |
| Net loans and leases to total assets | 71.7164% | 1,647 |
| Net loans and leases to deposits | 90.9044% | 1,076 |
| Net loans and leases to core deposits | 91.9491% | 1,770 |
| Total domestic deposits to total assets | 78.8921% | 5,764 |
| Equity capital to assets | 12.7803% | 1,434 |
| Core capital (leverage) ratio | 11.4416% | 2,089 |
| Tier 1 risk-based capital ratio | 13.6134% | 4,680 |
| Total risk-based capital ratio | 14.6689% | 4,762 |
| Memoranda: | ||
| Average total assets | $137,153,000 | 3,972 |
| Average earning assets | $128,765,500 | 3,911 |
| Average equity | $17,670,750 | 3,509 |
| Average total loans | $97,524,500 | 3,538 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1108% | 3,701 |
| Cost of funding earning assets | 0.5154% | 3,750 |
| Net interest margin | 3.5954% | 3,378 |
| Noninterest income to average assets | 1.0663% | 1,349 |
| Noninterest expense to average assets | 2.6968% | 4,044 |
| Loan and lease loss provision to assets | 0.0884% | 3,310 |
| Net operating income to assets | 1.5888% | 760 |
| Return on assets (ROA) | 1.5789% | 844 |
| Pretax return on assets | 1.6408% | 1,252 |
| Return on Equity (ROE) | 12.2207% | 1,424 |
| Retained earnings to average equity (ytd only) | 3.8418% | 3,856 |
| Net charge-offs to loans | -0.0188% | 5,950 |
| Credit loss provision to net charge-offs | -666.6667% | 5,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7902% | 5,363 |
| Assets per employee ($millions) | 4.0786% | 3,625 |
| Cash dividends to net income (ytd only)* | 68.5634% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,360 |
| Loan loss allowance to noncurrent loans | 50.6791% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.3887% | 1,788 |
| Noncurrent loans to loans | 2.6255% | 1,743 |
| Net loans and leases to total assets | 71.9557% | 1,582 |
| Net loans and leases to deposits | 91.6323% | 999 |
| Net loans and leases to core deposits | 92.7414% | 1,633 |
| Total domestic deposits to total assets | 78.5265% | 5,876 |
| Equity capital to assets | 13.0979% | 1,310 |
| Core capital (leverage) ratio | 11.8695% | 1,691 |
| Tier 1 risk-based capital ratio | 14.2875% | 4,237 |
| Total risk-based capital ratio | 15.3423% | 4,320 |
| Memoranda: | ||
| Average total assets | $135,790,330 | 4,028 |
| Average earning assets | $127,275,000 | 3,956 |
| Average equity | $17,544,000 | 3,547 |
| Average total loans | $95,851,000 | 3,593 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 3,706 |
| Cost of funding earning assets | 0.5135% | 3,940 |
| Net interest margin | 3.5911% | 3,297 |
| Noninterest income to average assets | 0.9678% | 1,561 |
| Noninterest expense to average assets | 2.6483% | 4,248 |
| Loan and lease loss provision to assets | 0.1320% | 2,587 |
| Net operating income to assets | 1.4920% | 873 |
| Return on assets (ROA) | 1.4723% | 988 |
| Pretax return on assets | 1.5309% | 1,483 |
| Return on Equity (ROE) | 11.4733% | 1,570 |
| Retained earnings to average equity (ytd only) | 1.7598% | 5,108 |
| Net charge-offs to loans | 0.0042% | 4,082 |
| Credit loss provision to net charge-offs | 4,500.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 574.0000% | 57 |
| Efficiency ratio | 61.1374% | 5,428 |
| Assets per employee ($millions) | 4.1868% | 3,566 |
| Cash dividends to net income (ytd only)* | 84.6614% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 4,428 |
| Loan loss allowance to noncurrent loans | 49.8251% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 2.4529% | 1,880 |
| Noncurrent loans to loans | 2.7269% | 1,871 |
| Net loans and leases to total assets | 67.3649% | 2,125 |
| Net loans and leases to deposits | 85.0511% | 1,462 |
| Net loans and leases to core deposits | 85.6475% | 2,144 |
| Total domestic deposits to total assets | 79.2051% | 5,922 |
| Equity capital to assets | 12.6668% | 1,607 |
| Core capital (leverage) ratio | 11.3717% | 1,962 |
| Tier 1 risk-based capital ratio | 13.9043% | 4,575 |
| Total risk-based capital ratio | 14.9506% | 4,688 |
| Memoranda: | ||
| Average total assets | $136,388,500 | 4,056 |
| Average earning assets | $127,761,000 | 3,985 |
| Average equity | $17,501,500 | 3,595 |
| Average total loans | $94,699,500 | 3,637 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 2,790 |
| Cost of funding earning assets | 0.5963% | 4,394 |
| Net interest margin | 4.0542% | 2,171 |
| Noninterest income to average assets | 1.5630% | 644 |
| Noninterest expense to average assets | 2.8422% | 3,865 |
| Loan and lease loss provision to assets | 0.1408% | 3,850 |
| Net operating income to assets | 2.2600% | 227 |
| Return on assets (ROA) | 2.2403% | 257 |
| Pretax return on assets | 2.3362% | 320 |
| Return on Equity (ROE) | 17.2695% | 512 |
| Retained earnings to average equity (ytd only) | 7.3853% | 1,378 |
| Net charge-offs to loans | -0.0095% | 6,456 |
| Credit loss provision to net charge-offs | -2,055.5556% | 6,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2279% | 6,353 |
| Assets per employee ($millions) | 4.2067% | 3,539 |
| Cash dividends to net income (ytd only)* | 57.2351% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 4,633 |
| Loan loss allowance to noncurrent loans | 46.7297% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.8682% | 1,666 |
| Noncurrent loans to loans | 2.7830% | 1,895 |
| Net loans and leases to total assets | 69.6864% | 1,904 |
| Net loans and leases to deposits | 88.6058% | 1,205 |
| Net loans and leases to core deposits | 89.2474% | 1,933 |
| Total domestic deposits to total assets | 78.6477% | 5,963 |
| Equity capital to assets | 13.0017% | 1,456 |
| Core capital (leverage) ratio | 11.6217% | 1,789 |
| Tier 1 risk-based capital ratio | 13.9113% | 4,439 |
| Total risk-based capital ratio | 14.9556% | 4,547 |
| Memoranda: | ||
| Average total assets | $131,410,000 | 4,117 |
| Average earning assets | $122,415,600 | 4,060 |
| Average equity | $17,047,400 | 3,624 |
| Average total loans | $94,423,400 | 3,651 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7402% | 2,621 |
| Cost of funding earning assets | 0.6110% | 4,530 |
| Net interest margin | 4.1292% | 1,983 |
| Noninterest income to average assets | 1.5751% | 598 |
| Noninterest expense to average assets | 2.8430% | 3,830 |
| Loan and lease loss provision to assets | 0.1429% | 3,745 |
| Net operating income to assets | 2.3305% | 233 |
| Return on assets (ROA) | 2.3040% | 259 |
| Pretax return on assets | 2.4041% | 341 |
| Return on Equity (ROE) | 17.7708% | 530 |
| Retained earnings to average equity (ytd only) | 8.1649% | 1,549 |
| Net charge-offs to loans | -0.0170% | 6,466 |
| Credit loss provision to net charge-offs | -1,166.6667% | 6,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4779% | 6,406 |
| Assets per employee ($millions) | 3.9296% | 4,017 |
| Cash dividends to net income (ytd only)* | 54.0542% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 5,065 |
| Loan loss allowance to noncurrent loans | 56.1560% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.5029% | 2,115 |
| Noncurrent loans to loans | 2.2174% | 2,598 |
| Net loans and leases to total assets | 70.9339% | 1,733 |
| Net loans and leases to deposits | 90.5678% | 1,087 |
| Net loans and leases to core deposits | 91.2304% | 1,853 |
| Total domestic deposits to total assets | 78.3213% | 6,014 |
| Equity capital to assets | 13.0323% | 1,583 |
| Core capital (leverage) ratio | 11.5489% | 1,950 |
| Tier 1 risk-based capital ratio | 13.9026% | 4,609 |
| Total risk-based capital ratio | 14.9967% | 4,678 |
| Memoranda: | ||
| Average total assets | $130,609,250 | 4,170 |
| Average earning assets | $121,538,250 | 4,116 |
| Average equity | $16,933,750 | 3,673 |
| Average total loans | $94,268,500 | 3,694 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8198% | 2,430 |
| Cost of funding earning assets | 0.6228% | 4,692 |
| Net interest margin | 4.1970% | 1,764 |
| Noninterest income to average assets | 1.3980% | 734 |
| Noninterest expense to average assets | 2.7868% | 4,066 |
| Loan and lease loss provision to assets | 0.0926% | 4,405 |
| Net operating income to assets | 2.3163% | 231 |
| Return on assets (ROA) | 2.2822% | 279 |
| Pretax return on assets | 2.3825% | 359 |
| Return on Equity (ROE) | 17.6341% | 554 |
| Retained earnings to average equity (ytd only) | 8.7515% | 1,357 |
| Net charge-offs to loans | 0.0235% | 5,069 |
| Credit loss provision to net charge-offs | 545.4545% | 563 |
| Earnings coverage of net charge-offs (x) | 147.9091% | 305 |
| Efficiency ratio | 52.6070% | 6,453 |
| Assets per employee ($millions) | 4.1846% | 3,487 |
| Cash dividends to net income (ytd only)* | 50.3719% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 5,646 |
| Loan loss allowance to noncurrent loans | 55.5160% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 2.5046% | 2,233 |
| Noncurrent loans to loans | 2.0343% | 2,908 |
| Net loans and leases to total assets | 73.6963% | 1,298 |
| Net loans and leases to deposits | 94.4413% | 735 |
| Net loans and leases to core deposits | 94.9176% | 1,513 |
| Total domestic deposits to total assets | 78.0340% | 6,150 |
| Equity capital to assets | 13.1842% | 1,436 |
| Core capital (leverage) ratio | 11.8132% | 1,714 |
| Tier 1 risk-based capital ratio | 14.0461% | 4,420 |
| Total risk-based capital ratio | 15.0619% | 4,560 |
| Memoranda: | ||
| Average total assets | $129,610,330 | 4,219 |
| Average earning assets | $120,419,330 | 4,159 |
| Average equity | $16,774,330 | 3,688 |
| Average total loans | $93,702,330 | 3,719 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 2,615 |
| Cost of funding earning assets | 0.6320% | 4,875 |
| Net interest margin | 4.1744% | 1,838 |
| Noninterest income to average assets | 1.4172% | 725 |
| Noninterest expense to average assets | 2.7201% | 4,355 |
| Loan and lease loss provision to assets | 0.0926% | 4,193 |
| Net operating income to assets | 2.3715% | 214 |
| Return on assets (ROA) | 2.3033% | 291 |
| Pretax return on assets | 2.4083% | 382 |
| Return on Equity (ROE) | 17.9651% | 554 |
| Retained earnings to average equity (ytd only) | 8.8140% | 1,658 |
| Net charge-offs to loans | 0.0390% | 4,149 |
| Credit loss provision to net charge-offs | 333.3333% | 895 |
| Earnings coverage of net charge-offs (x) | 92.5556% | 369 |
| Efficiency ratio | 51.4002% | 6,591 |
| Assets per employee ($millions) | 4.1308% | 3,727 |
| Cash dividends to net income (ytd only)* | 50.9383% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 5,801 |
| Loan loss allowance to noncurrent loans | 56.0886% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 2.4239% | 2,437 |
| Noncurrent loans to loans | 2.0162% | 3,138 |
| Net loans and leases to total assets | 70.3726% | 1,692 |
| Net loans and leases to deposits | 89.3781% | 1,024 |
| Net loans and leases to core deposits | 89.8156% | 1,864 |
| Total domestic deposits to total assets | 78.7359% | 6,136 |
| Equity capital to assets | 12.6822% | 1,609 |
| Core capital (leverage) ratio | 11.2700% | 2,059 |
| Tier 1 risk-based capital ratio | 14.5958% | 4,022 |
| Total risk-based capital ratio | 15.6457% | 4,149 |
| Memoranda: | ||
| Average total assets | $129,554,000 | 4,244 |
| Average earning assets | $120,257,000 | 4,189 |
| Average equity | $16,610,000 | 3,710 |
| Average total loans | $92,207,000 | 3,773 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 2,969 |
| Cost of funding earning assets | 0.8945% | 4,168 |
| Net interest margin | 4.0852% | 2,500 |
| Noninterest income to average assets | 1.1457% | 996 |
| Noninterest expense to average assets | 2.8969% | 3,968 |
| Loan and lease loss provision to assets | 0.3824% | 2,704 |
| Net operating income to assets | 1.5552% | 737 |
| Return on assets (ROA) | 1.5552% | 794 |
| Pretax return on assets | 1.6396% | 1,125 |
| Return on Equity (ROE) | 12.5200% | 1,277 |
| Retained earnings to average equity (ytd only) | 6.8565% | 1,572 |
| Net charge-offs to loans | 0.1415% | 5,013 |
| Credit loss provision to net charge-offs | 393.4426% | 592 |
| Earnings coverage of net charge-offs (x) | 20.8033% | 1,118 |
| Efficiency ratio | 58.8921% | 5,917 |
| Assets per employee ($millions) | 3.9663% | 3,927 |
| Cash dividends to net income (ytd only)* | 45.2357% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,606 |
| Loan loss allowance to noncurrent loans | 53.9018% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.8647% | 2,107 |
| Noncurrent loans to loans | 2.1422% | 3,020 |
| Net loans and leases to total assets | 70.3458% | 1,963 |
| Net loans and leases to deposits | 90.0477% | 1,155 |
| Net loans and leases to core deposits | 90.5105% | 2,051 |
| Total domestic deposits to total assets | 78.1206% | 6,170 |
| Equity capital to assets | 12.9653% | 1,506 |
| Core capital (leverage) ratio | 11.5124% | 1,881 |
| Tier 1 risk-based capital ratio | 14.2951% | 4,111 |
| Total risk-based capital ratio | 15.5451% | 4,077 |
| Memoranda: | ||
| Average total assets | $125,514,600 | 4,260 |
| Average earning assets | $115,931,400 | 4,240 |
| Average equity | $15,591,000 | 3,791 |
| Average total loans | $86,198,600 | 3,961 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 3,211 |
| Cost of funding earning assets | 0.9694% | 3,898 |
| Net interest margin | 4.0058% | 2,892 |
| Noninterest income to average assets | 1.0930% | 1,118 |
| Noninterest expense to average assets | 2.9667% | 3,682 |
| Loan and lease loss provision to assets | 0.4794% | 2,072 |
| Net operating income to assets | 1.2677% | 1,459 |
| Return on assets (ROA) | 1.2677% | 1,568 |
| Pretax return on assets | 1.3444% | 2,136 |
| Return on Equity (ROE) | 10.3197% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.3073% | 2,989 |
| Net charge-offs to loans | 0.0501% | 5,483 |
| Credit loss provision to net charge-offs | 1,406.2500% | 194 |
| Earnings coverage of net charge-offs (x) | 53.4945% | 609 |
| Efficiency ratio | 61.9302% | 5,417 |
| Assets per employee ($millions) | 3.9656% | 3,927 |
| Cash dividends to net income (ytd only)* | 48.5715% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 5,072 |
| Loan loss allowance to noncurrent loans | 52.8537% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 3.0797% | 2,080 |
| Noncurrent loans to loans | 2.4329% | 2,844 |
| Net loans and leases to total assets | 68.8166% | 2,310 |
| Net loans and leases to deposits | 88.8011% | 1,343 |
| Net loans and leases to core deposits | 89.5133% | 2,311 |
| Total domestic deposits to total assets | 77.4952% | 6,299 |
| Equity capital to assets | 13.1575% | 1,532 |
| Core capital (leverage) ratio | 11.5319% | 2,003 |
| Tier 1 risk-based capital ratio | 14.0984% | 4,282 |
| Total risk-based capital ratio | 15.3480% | 4,255 |
| Memoranda: | ||
| Average total assets | $125,162,500 | 4,293 |
| Average earning assets | $115,529,250 | 4,265 |
| Average equity | $15,374,750 | 3,845 |
| Average total loans | $85,166,250 | 4,028 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9877% | 3,216 |
| Cost of funding earning assets | 1.0826% | 3,371 |
| Net interest margin | 3.9051% | 3,286 |
| Noninterest income to average assets | 0.8006% | 2,011 |
| Noninterest expense to average assets | 2.9562% | 3,804 |
| Loan and lease loss provision to assets | 0.4765% | 2,077 |
| Net operating income to assets | 0.9086% | 2,607 |
| Return on assets (ROA) | 0.9086% | 2,706 |
| Pretax return on assets | 0.9722% | 3,352 |
| Return on Equity (ROE) | 7.5721% | 3,158 |
| Retained earnings to average equity (ytd only) | 1.4429% | 5,268 |
| Net charge-offs to loans | -0.5413% | 7,409 |
| Credit loss provision to net charge-offs | -130.4348% | 6,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1114% | 4,681 |
| Assets per employee ($millions) | 3.7816% | 4,250 |
| Cash dividends to net income (ytd only)* | 80.9441% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 5,487 |
| Loan loss allowance to noncurrent loans | 508.2126% | 656 |
| Noncurrent assets plus other real estate owned to assets | 1.9668% | 3,280 |
| Noncurrent loans to loans | 0.2391% | 6,443 |
| Net loans and leases to total assets | 70.6795% | 2,075 |
| Net loans and leases to deposits | 92.2604% | 1,025 |
| Net loans and leases to core deposits | 93.0190% | 2,015 |
| Total domestic deposits to total assets | 76.6087% | 6,507 |
| Equity capital to assets | 12.7749% | 1,634 |
| Core capital (leverage) ratio | 11.5718% | 1,861 |
| Tier 1 risk-based capital ratio | 13.9584% | 4,199 |
| Total risk-based capital ratio | 15.2086% | 4,170 |
| Memoranda: | ||
| Average total assets | $125,905,330 | 4,303 |
| Average earning assets | $116,206,670 | 4,268 |
| Average equity | $15,108,000 | 3,888 |
| Average total loans | $84,988,000 | 4,069 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 3,537 |
| Cost of funding earning assets | 1.2094% | 2,755 |
| Net interest margin | 3.7022% | 4,088 |
| Noninterest income to average assets | 0.6077% | 3,107 |
| Noninterest expense to average assets | 3.1663% | 3,004 |
| Loan and lease loss provision to assets | 0.4675% | 1,883 |
| Net operating income to assets | 0.3490% | 5,179 |
| Return on assets (ROA) | 0.3490% | 5,263 |
| Pretax return on assets | 0.3989% | 5,346 |
| Return on Equity (ROE) | 3.0002% | 5,375 |
| Retained earnings to average equity (ytd only) | -7.9290% | 6,746 |
| Net charge-offs to loans | 0.2376% | 3,129 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 5.5600% | 2,257 |
| Efficiency ratio | 78.5162% | 2,763 |
| Assets per employee ($millions) | 3.7991% | 4,298 |
| Cash dividends to net income (ytd only)* | 364.2857% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7356% | 7,030 |
| Loan loss allowance to noncurrent loans | 36.2260% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 3.3125% | 2,060 |
| Noncurrent loans to loans | 2.0306% | 3,531 |
| Net loans and leases to total assets | 69.0417% | 2,314 |
| Net loans and leases to deposits | 92.8155% | 946 |
| Net loans and leases to core deposits | 93.5969% | 1,942 |
| Total domestic deposits to total assets | 74.3860% | 6,868 |
| Equity capital to assets | 12.1206% | 1,846 |
| Core capital (leverage) ratio | 11.1671% | 2,055 |
| Tier 1 risk-based capital ratio | 13.8648% | 4,163 |
| Total risk-based capital ratio | 14.6520% | 4,485 |
| Memoranda: | ||
| Average total assets | $128,352,500 | 4,298 |
| Average earning assets | $118,740,500 | 4,245 |
| Average equity | $14,932,500 | 3,913 |
| Average total loans | $84,191,000 | 4,130 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6144% | 1,842 |
| Cost of funding earning assets | 1.5435% | 2,387 |
| Net interest margin | 4.0710% | 2,703 |
| Noninterest income to average assets | 0.7159% | 2,749 |
| Noninterest expense to average assets | 2.5168% | 5,725 |
| Loan and lease loss provision to assets | 0.6543% | 2,519 |
| Net operating income to assets | 1.2373% | 1,325 |
| Return on assets (ROA) | 1.2287% | 1,420 |
| Pretax return on assets | 1.3003% | 1,922 |
| Return on Equity (ROE) | 10.9655% | 1,599 |
| Retained earnings to average equity (ytd only) | 5.6084% | 2,053 |
| Net charge-offs to loans | 1.2659% | 1,776 |
| Credit loss provision to net charge-offs | 81.6714% | 5,499 |
| Earnings coverage of net charge-offs (x) | 2.4511% | 3,903 |
| Efficiency ratio | 56.1725% | 6,580 |
| Assets per employee ($millions) | 4.2230% | 3,339 |
| Cash dividends to net income (ytd only)* | 48.8545% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 7,233 |
| Loan loss allowance to noncurrent loans | 23.2828% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 3.0473% | 2,314 |
| Noncurrent loans to loans | 2.6746% | 2,843 |
| Net loans and leases to total assets | 61.6450% | 4,363 |
| Net loans and leases to deposits | 89.0685% | 1,636 |
| Net loans and leases to core deposits | 90.1558% | 2,747 |
| Total domestic deposits to total assets | 69.2108% | 7,278 |
| Equity capital to assets | 11.1962% | 2,514 |
| Core capital (leverage) ratio | 10.2603% | 2,807 |
| Tier 1 risk-based capital ratio | 14.3076% | 3,674 |
| Total risk-based capital ratio | 14.9697% | 4,024 |
| Memoranda: | ||
| Average total assets | $131,435,600 | 4,227 |
| Average earning assets | $121,543,800 | 4,196 |
| Average equity | $14,728,000 | 3,990 |
| Average total loans | $83,179,400 | 4,237 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8832% | 1,172 |
| Cost of funding earning assets | 1.5958% | 2,410 |
| Net interest margin | 4.2873% | 1,889 |
| Noninterest income to average assets | 0.4342% | 4,685 |
| Noninterest expense to average assets | 2.4825% | 5,773 |
| Loan and lease loss provision to assets | 0.7253% | 2,107 |
| Net operating income to assets | 1.1004% | 1,883 |
| Return on assets (ROA) | 1.0890% | 2,038 |
| Pretax return on assets | 1.1718% | 2,594 |
| Return on Equity (ROE) | 9.7166% | 2,241 |
| Retained earnings to average equity (ytd only) | 4.7945% | 3,132 |
| Net charge-offs to loans | 1.3908% | 1,460 |
| Credit loss provision to net charge-offs | 81.9861% | 5,073 |
| Earnings coverage of net charge-offs (x) | 2.1582% | 4,109 |
| Efficiency ratio | 56.5248% | 6,487 |
| Assets per employee ($millions) | 4.0925% | 3,654 |
| Cash dividends to net income (ytd only)* | 50.6564% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6649% | 7,259 |
| Loan loss allowance to noncurrent loans | 39.2556% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 2.5496% | 2,817 |
| Noncurrent loans to loans | 1.6937% | 4,098 |
| Net loans and leases to total assets | 63.7744% | 4,165 |
| Net loans and leases to deposits | 93.5525% | 1,255 |
| Net loans and leases to core deposits | 94.2142% | 2,498 |
| Total domestic deposits to total assets | 68.1697% | 7,369 |
| Equity capital to assets | 11.6066% | 2,448 |
| Core capital (leverage) ratio | 10.4008% | 2,801 |
| Tier 1 risk-based capital ratio | 13.9391% | 3,888 |
| Total risk-based capital ratio | 14.6496% | 4,239 |
| Memoranda: | ||
| Average total assets | $130,510,750 | 4,317 |
| Average earning assets | $120,476,250 | 4,274 |
| Average equity | $14,627,500 | 4,070 |
| Average total loans | $83,017,750 | 4,318 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6139% | 2,082 |
| Cost of funding earning assets | 1.6296% | 2,483 |
| Net interest margin | 3.9843% | 3,093 |
| Noninterest income to average assets | 0.3621% | 5,253 |
| Noninterest expense to average assets | 2.5284% | 5,616 |
| Loan and lease loss provision to assets | 0.6290% | 2,279 |
| Net operating income to assets | 0.8215% | 2,870 |
| Return on assets (ROA) | 0.8714% | 2,785 |
| Pretax return on assets | 0.9343% | 3,366 |
| Return on Equity (ROE) | 7.8689% | 2,932 |
| Retained earnings to average equity (ytd only) | 2.1196% | 4,797 |
| Net charge-offs to loans | 0.6218% | 2,668 |
| Credit loss provision to net charge-offs | 159.5331% | 2,467 |
| Earnings coverage of net charge-offs (x) | 3.8288% | 3,167 |
| Efficiency ratio | 62.6140% | 5,589 |
| Assets per employee ($millions) | 4.1850% | 3,415 |
| Cash dividends to net income (ytd only)* | 73.0634% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 6,127 |
| Loan loss allowance to noncurrent loans | 49.5712% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.8242% | 2,559 |
| Noncurrent loans to loans | 2.1413% | 3,537 |
| Net loans and leases to total assets | 62.2916% | 4,627 |
| Net loans and leases to deposits | 91.3214% | 1,646 |
| Net loans and leases to core deposits | 91.5812% | 3,045 |
| Total domestic deposits to total assets | 68.2114% | 7,421 |
| Equity capital to assets | 11.4009% | 2,522 |
| Core capital (leverage) ratio | 10.1994% | 2,942 |
| Tier 1 risk-based capital ratio | 13.8397% | 3,843 |
| Total risk-based capital ratio | 14.9427% | 3,906 |
| Memoranda: | ||
| Average total assets | $130,361,000 | 4,343 |
| Average earning assets | $120,273,330 | 4,308 |
| Average equity | $14,436,670 | 4,104 |
| Average total loans | $82,664,330 | 4,360 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4912% | 2,630 |
| Cost of funding earning assets | 1.6474% | 2,668 |
| Net interest margin | 3.8438% | 3,606 |
| Noninterest income to average assets | 0.2418% | 6,218 |
| Noninterest expense to average assets | 2.5682% | 5,484 |
| Loan and lease loss provision to assets | 0.1837% | 4,672 |
| Net operating income to assets | 0.9765% | 2,275 |
| Return on assets (ROA) | 0.9765% | 2,336 |
| Pretax return on assets | 1.0255% | 2,986 |
| Return on Equity (ROE) | 8.9484% | 2,508 |
| Retained earnings to average equity (ytd only) | 1.5148% | 5,187 |
| Net charge-offs to loans | 0.8755% | 1,804 |
| Credit loss provision to net charge-offs | 32.9670% | 4,767 |
| Earnings coverage of net charge-offs (x) | 2.1703% | 3,448 |
| Efficiency ratio | 67.9903% | 4,726 |
| Assets per employee ($millions) | 4.0372% | 3,787 |
| Cash dividends to net income (ytd only)* | 83.0721% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7176% | 7,303 |
| Loan loss allowance to noncurrent loans | 16.7468% | 7,159 |
| Noncurrent assets plus other real estate owned to assets | 3.8107% | 1,823 |
| Noncurrent loans to loans | 4.2848% | 1,781 |
| Net loans and leases to total assets | 63.4017% | 4,448 |
| Net loans and leases to deposits | 92.6634% | 1,517 |
| Net loans and leases to core deposits | 92.9273% | 2,988 |
| Total domestic deposits to total assets | 68.4215% | 7,504 |
| Equity capital to assets | 11.0985% | 2,674 |
| Core capital (leverage) ratio | 10.1395% | 2,992 |
| Tier 1 risk-based capital ratio | 13.6780% | 3,879 |
| Total risk-based capital ratio | 14.4154% | 4,189 |
| Memoranda: | ||
| Average total assets | $130,674,000 | 4,396 |
| Average earning assets | $120,192,500 | 4,367 |
| Average equity | $14,259,500 | 4,179 |
| Average total loans | $83,156,000 | 4,409 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2831% | 1,059 |
| Cost of funding earning assets | 1.8629% | 3,659 |
| Net interest margin | 4.4202% | 1,380 |
| Noninterest income to average assets | 0.4238% | 5,014 |
| Noninterest expense to average assets | 2.6723% | 5,509 |
| Loan and lease loss provision to assets | 0.2511% | 5,390 |
| Net operating income to assets | 1.5647% | 592 |
| Return on assets (ROA) | 1.6451% | 523 |
| Pretax return on assets | 1.7204% | 744 |
| Return on Equity (ROE) | 15.4989% | 604 |
| Retained earnings to average equity (ytd only) | 4.5092% | 2,098 |
| Net charge-offs to loans | 0.3281% | 4,593 |
| Credit loss provision to net charge-offs | 117.0213% | 4,637 |
| Earnings coverage of net charge-offs (x) | 8.7979% | 1,893 |
| Efficiency ratio | 58.6017% | 6,681 |
| Assets per employee ($millions) | 4.1300% | 3,559 |
| Cash dividends to net income (ytd only)* | 70.9066% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 6,974 |
| Loan loss allowance to noncurrent loans | 15.7234% | 7,225 |
| Noncurrent assets plus other real estate owned to assets | 3.8900% | 1,709 |
| Noncurrent loans to loans | 5.4181% | 1,204 |
| Net loans and leases to total assets | 62.8773% | 4,838 |
| Net loans and leases to deposits | 90.8314% | 2,078 |
| Net loans and leases to core deposits | 100.4436% | 3,951 |
| Total domestic deposits to total assets | 69.2242% | 7,477 |
| Equity capital to assets | 10.7303% | 2,944 |
| Core capital (leverage) ratio | 9.0934% | 4,270 |
| Tier 1 risk-based capital ratio | 10.9468% | 5,965 |
| Total risk-based capital ratio | 11.8350% | 6,295 |
| Memoranda: | ||
| Average total assets | $131,422,400 | 4,311 |
| Average earning assets | $122,980,000 | 4,242 |
| Average equity | $13,949,400 | 4,265 |
| Average total loans | $85,962,000 | 4,332 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3727% | 977 |
| Cost of funding earning assets | 1.8946% | 3,911 |
| Net interest margin | 4.4782% | 1,247 |
| Noninterest income to average assets | 0.4226% | 5,114 |
| Noninterest expense to average assets | 2.6628% | 5,479 |
| Loan and lease loss provision to assets | 0.3048% | 4,536 |
| Net operating income to assets | 1.6001% | 665 |
| Return on assets (ROA) | 1.6001% | 716 |
| Pretax return on assets | 1.6743% | 1,021 |
| Return on Equity (ROE) | 15.1168% | 758 |
| Retained earnings to average equity (ytd only) | 2.6586% | 3,844 |
| Net charge-offs to loans | 0.3591% | 3,850 |
| Credit loss provision to net charge-offs | 128.7554% | 3,893 |
| Earnings coverage of net charge-offs (x) | 8.3605% | 2,258 |
| Efficiency ratio | 57.3649% | 6,813 |
| Assets per employee ($millions) | 4.2164% | 3,351 |
| Cash dividends to net income (ytd only)* | 82.4124% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 6,971 |
| Loan loss allowance to noncurrent loans | 18.8157% | 7,151 |
| Noncurrent assets plus other real estate owned to assets | 3.4436% | 1,942 |
| Noncurrent loans to loans | 4.4891% | 1,560 |
| Net loans and leases to total assets | 65.9225% | 4,451 |
| Net loans and leases to deposits | 96.9137% | 1,458 |
| Net loans and leases to core deposits | 108.0492% | 3,466 |
| Total domestic deposits to total assets | 68.0219% | 7,572 |
| Equity capital to assets | 10.7859% | 3,222 |
| Core capital (leverage) ratio | 8.9456% | 4,737 |
| Tier 1 risk-based capital ratio | 10.2908% | 6,694 |
| Total risk-based capital ratio | 11.1688% | 7,002 |
| Memoranda: | ||
| Average total assets | $131,238,250 | 4,349 |
| Average earning assets | $123,648,750 | 4,256 |
| Average equity | $13,891,500 | 4,316 |
| Average total loans | $86,499,500 | 4,352 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5698% | 700 |
| Cost of funding earning assets | 1.9261% | 4,129 |
| Net interest margin | 4.6437% | 885 |
| Noninterest income to average assets | 0.3866% | 5,406 |
| Noninterest expense to average assets | 2.6374% | 5,598 |
| Loan and lease loss provision to assets | 0.0685% | 6,518 |
| Net operating income to assets | 1.9815% | 308 |
| Return on assets (ROA) | 1.9815% | 342 |
| Pretax return on assets | 2.0652% | 473 |
| Return on Equity (ROE) | 18.8386% | 413 |
| Retained earnings to average equity (ytd only) | 4.6880% | 2,690 |
| Net charge-offs to loans | -0.0046% | 7,522 |
| Credit loss provision to net charge-offs | -2,250.0000% | 7,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2791% | 7,196 |
| Assets per employee ($millions) | 4.0371% | 3,608 |
| Cash dividends to net income (ytd only)* | 75.1152% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 7,100 |
| Loan loss allowance to noncurrent loans | 2,644.4444% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 7,579 |
| Noncurrent loans to loans | 0.0309% | 7,462 |
| Net loans and leases to total assets | 67.1636% | 4,326 |
| Net loans and leases to deposits | 98.3106% | 1,484 |
| Net loans and leases to core deposits | 109.4245% | 3,441 |
| Total domestic deposits to total assets | 68.3178% | 7,601 |
| Equity capital to assets | 10.5994% | 3,298 |
| Core capital (leverage) ratio | 9.0955% | 4,475 |
| Tier 1 risk-based capital ratio | 11.0688% | 5,810 |
| Total risk-based capital ratio | 11.9548% | 6,122 |
| Memoranda: | ||
| Average total assets | $131,415,000 | 4,365 |
| Average earning assets | $124,082,330 | 4,270 |
| Average equity | $13,822,670 | 4,347 |
| Average total loans | $86,366,000 | 4,387 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5404% | 802 |
| Cost of funding earning assets | 1.9669% | 4,301 |
| Net interest margin | 4.5735% | 986 |
| Noninterest income to average assets | 0.3380% | 5,754 |
| Noninterest expense to average assets | 2.4840% | 5,902 |
| Loan and lease loss provision to assets | 0.0905% | 5,800 |
| Net operating income to assets | 1.9950% | 354 |
| Return on assets (ROA) | 1.9950% | 404 |
| Pretax return on assets | 2.0795% | 559 |
| Return on Equity (ROE) | 19.0387% | 503 |
| Retained earnings to average equity (ytd only) | 4.8101% | 3,229 |
| Net charge-offs to loans | -0.0047% | 7,173 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3722% | 7,281 |
| Assets per employee ($millions) | 4.0998% | 3,458 |
| Cash dividends to net income (ytd only)* | 74.7352% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 7,140 |
| Loan loss allowance to noncurrent loans | 329.2453% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 7,072 |
| Noncurrent loans to loans | 0.2443% | 6,836 |
| Net loans and leases to total assets | 65.6008% | 4,670 |
| Net loans and leases to deposits | 97.6912% | 1,707 |
| Net loans and leases to core deposits | 110.2479% | 3,401 |
| Total domestic deposits to total assets | 67.1512% | 7,659 |
| Equity capital to assets | 10.5942% | 3,374 |
| Core capital (leverage) ratio | 8.8635% | 4,902 |
| Tier 1 risk-based capital ratio | 11.5295% | 5,384 |
| Total risk-based capital ratio | 12.3991% | 5,678 |
| Memoranda: | ||
| Average total assets | $132,529,500 | 4,363 |
| Average earning assets | $125,069,500 | 4,266 |
| Average equity | $13,887,500 | 4,359 |
| Average total loans | $85,809,000 | 4,436 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2687% | 4,136 |
| Cost of funding earning assets | 2.6605% | 3,369 |
| Net interest margin | 3.6082% | 4,845 |
| Noninterest income to average assets | 0.5704% | 4,077 |
| Noninterest expense to average assets | 2.3563% | 6,549 |
| Loan and lease loss provision to assets | 0.0584% | 6,680 |
| Net operating income to assets | 1.4899% | 1,046 |
| Return on assets (ROA) | 1.4899% | 1,003 |
| Pretax return on assets | 1.5405% | 1,562 |
| Return on Equity (ROE) | 14.7549% | 961 |
| Retained earnings to average equity (ytd only) | 4.4218% | 2,375 |
| Net charge-offs to loans | 0.0087% | 6,808 |
| Credit loss provision to net charge-offs | 1,071.4286% | 416 |
| Earnings coverage of net charge-offs (x) | 293.1429% | 163 |
| Efficiency ratio | 59.5745% | 6,424 |
| Assets per employee ($millions) | 4.4621% | 2,675 |
| Cash dividends to net income (ytd only)* | 70.0314% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 7,159 |
| Loan loss allowance to noncurrent loans | 383.3333% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 7,066 |
| Noncurrent loans to loans | 0.2051% | 6,772 |
| Net loans and leases to total assets | 62.8907% | 5,475 |
| Net loans and leases to deposits | 92.9002% | 2,972 |
| Net loans and leases to core deposits | 104.3493% | 4,361 |
| Total domestic deposits to total assets | 67.6971% | 7,499 |
| Equity capital to assets | 10.3657% | 3,650 |
| Core capital (leverage) ratio | 8.5754% | 5,434 |
| Tier 1 risk-based capital ratio | 11.6823% | 5,070 |
| Total risk-based capital ratio | 12.5155% | 5,356 |
| Memoranda: | ||
| Average total assets | $128,335,000 | 4,324 |
| Average earning assets | $120,391,800 | 4,250 |
| Average equity | $12,958,400 | 4,589 |
| Average total loans | $80,052,400 | 4,511 |