Home > Holcomb Bank > Performance and Condition Ratios
Holcomb Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 2,866 |
| Cost of funding earning assets | 1.7765% | 1,287 |
| Net interest margin | 2.8377% | 3,592 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.2374% | 3,020 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 0.9513% | 2,359 |
| Return on assets (ROA) | 0.9630% | 2,315 |
| Pretax return on assets | 0.9768% | 2,733 |
| Return on Equity (ROE) | 17.4000% | 902 |
| Retained earnings to average equity (ytd only) | 0.8351% | 3,869 |
| Net charge-offs to loans | -0.1463% | 4,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.1283% | 1,745 |
| Assets per employee ($millions) | 6.2937% | 2,561 |
| Cash dividends to net income (ytd only)* | 95.2016% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 2,360 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 2,893 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.9900% | 2,149 |
| Net loans and leases to deposits | 85.3363% | 1,664 |
| Net loans and leases to core deposits | 94.9330% | 1,715 |
| Total domestic deposits to total assets | 78.5000% | 3,670 |
| Equity capital to assets | 5.7203% | 4,292 |
| Core capital (leverage) ratio | 7.9790% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1963% | 2,526 |
| Memoranda: | ||
| Average total assets | $311,615,200 | 2,361 |
| Average earning assets | $298,622,000 | 2,313 |
| Average equity | $17,243,600 | 3,076 |
| Average total loans | $218,050,200 | 2,177 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 2,805 |
| Cost of funding earning assets | 1.6792% | 1,217 |
| Net interest margin | 2.8688% | 3,601 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.2433% | 2,961 |
| Loan and lease loss provision to assets | -0.0800% | 4,523 |
| Net operating income to assets | 1.0020% | 2,361 |
| Return on assets (ROA) | 1.0101% | 2,321 |
| Pretax return on assets | 1.0217% | 2,792 |
| Return on Equity (ROE) | 18.4100% | 891 |
| Retained earnings to average equity (ytd only) | 5.8948% | 2,660 |
| Net charge-offs to loans | -0.1660% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.5232% | 1,731 |
| Assets per employee ($millions) | 6.2910% | 2,499 |
| Cash dividends to net income (ytd only)* | 67.9830% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 2,660 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0860% | 3,018 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 69.8500% | 1,846 |
| Net loans and leases to deposits | 88.8269% | 1,318 |
| Net loans and leases to core deposits | 98.7911% | 1,396 |
| Total domestic deposits to total assets | 78.6400% | 3,745 |
| Equity capital to assets | 5.1852% | 4,219 |
| Core capital (leverage) ratio | 8.4398% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2704% | 2,519 |
| Memoranda: | ||
| Average total assets | $310,847,500 | 2,372 |
| Average earning assets | $298,237,750 | 2,318 |
| Average equity | $17,054,250 | 3,079 |
| Average total loans | $219,225,000 | 2,161 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 2,696 |
| Cost of funding earning assets | 1.5513% | 1,160 |
| Net interest margin | 2.9296% | 3,592 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.2829% | 2,861 |
| Loan and lease loss provision to assets | -0.1100% | 4,574 |
| Net operating income to assets | 1.0331% | 2,311 |
| Return on assets (ROA) | 1.0420% | 2,274 |
| Pretax return on assets | 1.0535% | 2,769 |
| Return on Equity (ROE) | 18.6500% | 880 |
| Retained earnings to average equity (ytd only) | 3.5954% | 3,319 |
| Net charge-offs to loans | -0.2221% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.0321% | 1,666 |
| Assets per employee ($millions) | 6.1144% | 2,611 |
| Cash dividends to net income (ytd only)* | 80.7266% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,866 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 2,927 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.2600% | 1,611 |
| Net loans and leases to deposits | 91.1528% | 1,093 |
| Net loans and leases to core deposits | 101.2841% | 1,169 |
| Total domestic deposits to total assets | 78.1800% | 3,829 |
| Equity capital to assets | 5.6248% | 4,259 |
| Core capital (leverage) ratio | 8.2840% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1365% | 2,592 |
| Memoranda: | ||
| Average total assets | $311,709,667 | 2,371 |
| Average earning assets | $299,226,667 | 2,321 |
| Average equity | $17,411,000 | 3,070 |
| Average total loans | $219,691,333 | 2,154 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3733% | 2,626 |
| Cost of funding earning assets | 1.4423% | 953 |
| Net interest margin | 2.9310% | 3,737 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.2726% | 2,888 |
| Loan and lease loss provision to assets | -0.2200% | 4,633 |
| Net operating income to assets | 1.1097% | 2,195 |
| Return on assets (ROA) | 1.1198% | 2,132 |
| Pretax return on assets | 1.1312% | 2,622 |
| Return on Equity (ROE) | 20.1200% | 749 |
| Retained earnings to average equity (ytd only) | 16.5768% | 631 |
| Net charge-offs to loans | -0.1823% | 4,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.7208% | 1,559 |
| Assets per employee ($millions) | 6.0048% | 2,756 |
| Cash dividends to net income (ytd only)* | 17.5936% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,328 |
| Loan loss allowance to noncurrent loans | 2,295.0495% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,696 |
| Noncurrent loans to loans | 0.0454% | 3,412 |
| Net loans and leases to total assets | 70.4500% | 1,578 |
| Net loans and leases to deposits | 90.0748% | 1,041 |
| Net loans and leases to core deposits | 95.8982% | 1,288 |
| Total domestic deposits to total assets | 78.2100% | 3,983 |
| Equity capital to assets | 5.7848% | 4,266 |
| Core capital (leverage) ratio | 8.2539% | 4,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2164% | 2,659 |
| Memoranda: | ||
| Average total assets | $314,704,500 | 2,388 |
| Average earning assets | $302,290,500 | 2,332 |
| Average equity | $17,518,500 | 3,087 |
| Average total loans | $219,377,500 | 2,174 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9482% | 1,866 |
| Cost of funding earning assets | 0.6190% | 832 |
| Net interest margin | 3.3291% | 2,483 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.4412% | 2,301 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0998% | 2,172 |
| Return on assets (ROA) | 1.0977% | 2,122 |
| Pretax return on assets | 1.1111% | 2,730 |
| Return on Equity (ROE) | 16.2600% | 1,003 |
| Retained earnings to average equity (ytd only) | 7.3246% | 2,093 |
| Net charge-offs to loans | -0.2648% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.4466% | 2,154 |
| Assets per employee ($millions) | 6.0993% | 2,678 |
| Cash dividends to net income (ytd only)* | 54.9472% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 3,311 |
| Loan loss allowance to noncurrent loans | 1,707.0313% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,659 |
| Noncurrent loans to loans | 0.0591% | 3,331 |
| Net loans and leases to total assets | 67.5600% | 1,877 |
| Net loans and leases to deposits | 81.6581% | 1,645 |
| Net loans and leases to core deposits | 88.0052% | 1,607 |
| Total domestic deposits to total assets | 82.7400% | 3,478 |
| Equity capital to assets | 5.3559% | 4,277 |
| Core capital (leverage) ratio | 8.0967% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8580% | 2,768 |
| Memoranda: | ||
| Average total assets | $284,496,400 | 2,531 |
| Average earning assets | $271,061,200 | 2,486 |
| Average equity | $19,209,200 | 3,015 |
| Average total loans | $184,258,400 | 2,340 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8215% | 1,682 |
| Cost of funding earning assets | 0.4297% | 1,102 |
| Net interest margin | 3.3918% | 1,997 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.4748% | 2,083 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.2516% | 1,519 |
| Return on assets (ROA) | 1.2458% | 1,508 |
| Pretax return on assets | 1.2569% | 2,186 |
| Return on Equity (ROE) | 17.4200% | 722 |
| Retained earnings to average equity (ytd only) | 9.1204% | 1,611 |
| Net charge-offs to loans | -0.4457% | 4,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.4543% | 2,348 |
| Assets per employee ($millions) | 5.7940% | 2,936 |
| Cash dividends to net income (ytd only)* | 47.6375% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,523 |
| Loan loss allowance to noncurrent loans | 559.3407% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 2,214 |
| Noncurrent loans to loans | 0.1772% | 2,701 |
| Net loans and leases to total assets | 67.4900% | 1,732 |
| Net loans and leases to deposits | 77.4962% | 1,759 |
| Net loans and leases to core deposits | 83.1398% | 1,708 |
| Total domestic deposits to total assets | 87.0900% | 2,732 |
| Equity capital to assets | 5.2983% | 4,193 |
| Core capital (leverage) ratio | 8.5785% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0601% | 2,796 |
| Memoranda: | ||
| Average total assets | $276,330,000 | 2,591 |
| Average earning assets | $262,507,500 | 2,553 |
| Average equity | $19,764,750 | 3,015 |
| Average total loans | $176,208,000 | 2,408 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 1,562 |
| Cost of funding earning assets | 0.2683% | 2,048 |
| Net interest margin | 3.4224% | 1,535 |
| Noninterest income to average assets | 0.6059% | 1,715 |
| Noninterest expense to average assets | 2.5424% | 1,803 |
| Loan and lease loss provision to assets | 0.0448% | 1,774 |
| Net operating income to assets | 1.2648% | 1,243 |
| Return on assets (ROA) | 1.2552% | 1,250 |
| Pretax return on assets | 1.2649% | 1,854 |
| Return on Equity (ROE) | 15.9947% | 703 |
| Retained earnings to average equity (ytd only) | 8.2351% | 1,536 |
| Net charge-offs to loans | -0.1345% | 4,513 |
| Credit loss provision to net charge-offs | -53.5714% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8357% | 2,534 |
| Assets per employee ($millions) | 5.2565% | 3,467 |
| Cash dividends to net income (ytd only)* | 48.5137% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8471% | 4,090 |
| Loan loss allowance to noncurrent loans | 405.5703% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 2,168 |
| Noncurrent loans to loans | 0.2089% | 2,672 |
| Net loans and leases to total assets | 64.2413% | 1,885 |
| Net loans and leases to deposits | 74.8268% | 1,777 |
| Net loans and leases to core deposits | 81.2483% | 1,643 |
| Total domestic deposits to total assets | 85.8533% | 3,282 |
| Equity capital to assets | 5.9922% | 4,201 |
| Core capital (leverage) ratio | 9.1582% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8848% | 2,540 |
| Memoranda: | ||
| Average total assets | $268,010,667 | 2,664 |
| Average earning assets | $254,970,333 | 2,637 |
| Average equity | $21,032,000 | 2,969 |
| Average total loans | $166,485,333 | 2,497 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6782% | 1,322 |
| Cost of funding earning assets | 0.2385% | 2,282 |
| Net interest margin | 3.4397% | 1,207 |
| Noninterest income to average assets | 0.7430% | 1,186 |
| Noninterest expense to average assets | 2.6294% | 1,528 |
| Loan and lease loss provision to assets | 0.0457% | 1,541 |
| Net operating income to assets | 1.3306% | 938 |
| Return on assets (ROA) | 1.3185% | 949 |
| Pretax return on assets | 1.3277% | 1,436 |
| Return on Equity (ROE) | 14.9304% | 664 |
| Retained earnings to average equity (ytd only) | 5.7929% | 2,319 |
| Net charge-offs to loans | -0.3612% | 4,682 |
| Credit loss provision to net charge-offs | -20.8333% | 2,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4911% | 2,835 |
| Assets per employee ($millions) | 4.8855% | 3,852 |
| Cash dividends to net income (ytd only)* | 61.2009% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 3,918 |
| Loan loss allowance to noncurrent loans | 298.4405% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 1,916 |
| Noncurrent loans to loans | 0.3161% | 2,336 |
| Net loans and leases to total assets | 62.0774% | 1,851 |
| Net loans and leases to deposits | 72.9562% | 1,702 |
| Net loans and leases to core deposits | 77.2938% | 1,672 |
| Total domestic deposits to total assets | 85.0886% | 3,524 |
| Equity capital to assets | 8.1118% | 3,482 |
| Core capital (leverage) ratio | 9.3221% | 2,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7030% | 2,343 |
| Memoranda: | ||
| Average total assets | $262,718,500 | 2,706 |
| Average earning assets | $249,905,500 | 2,683 |
| Average equity | $23,201,000 | 2,892 |
| Average total loans | $159,477,000 | 2,555 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 1,970 |
| Cost of funding earning assets | 0.3096% | 2,301 |
| Net interest margin | 3.4455% | 1,888 |
| Noninterest income to average assets | 0.7946% | 1,458 |
| Noninterest expense to average assets | 2.5537% | 2,014 |
| Loan and lease loss provision to assets | 0.2691% | 326 |
| Net operating income to assets | 1.2283% | 1,824 |
| Return on assets (ROA) | 1.2154% | 1,922 |
| Pretax return on assets | 1.2248% | 2,585 |
| Return on Equity (ROE) | 11.7994% | 1,881 |
| Retained earnings to average equity (ytd only) | 0.3710% | 4,399 |
| Net charge-offs to loans | 0.6509% | 123 |
| Credit loss provision to net charge-offs | 66.3107% | 2,034 |
| Earnings coverage of net charge-offs (x) | 3.7136% | 2,529 |
| Efficiency ratio | 62.8893% | 2,734 |
| Assets per employee ($millions) | 5.0284% | 3,704 |
| Cash dividends to net income (ytd only)* | 96.8558% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 4,145 |
| Loan loss allowance to noncurrent loans | 279.7938% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 1,757 |
| Noncurrent loans to loans | 0.3095% | 2,482 |
| Net loans and leases to total assets | 58.2833% | 2,348 |
| Net loans and leases to deposits | 69.5093% | 2,177 |
| Net loans and leases to core deposits | 74.4983% | 2,037 |
| Total domestic deposits to total assets | 83.8496% | 3,603 |
| Equity capital to assets | 9.5300% | 3,118 |
| Core capital (leverage) ratio | 9.3645% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0882% | 2,205 |
| Memoranda: | ||
| Average total assets | $253,829,800 | 2,697 |
| Average earning assets | $240,602,600 | 2,676 |
| Average equity | $26,145,400 | 2,774 |
| Average total loans | $158,252,600 | 2,563 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 2,110 |
| Cost of funding earning assets | 0.3302% | 2,297 |
| Net interest margin | 3.4337% | 2,059 |
| Noninterest income to average assets | 0.8628% | 1,337 |
| Noninterest expense to average assets | 2.5649% | 1,945 |
| Loan and lease loss provision to assets | 0.2908% | 279 |
| Net operating income to assets | 1.2505% | 1,989 |
| Return on assets (ROA) | 1.2968% | 1,896 |
| Pretax return on assets | 1.3064% | 2,610 |
| Return on Equity (ROE) | 12.3445% | 1,918 |
| Retained earnings to average equity (ytd only) | 9.3672% | 1,544 |
| Net charge-offs to loans | 0.1412% | 582 |
| Credit loss provision to net charge-offs | 325.5952% | 959 |
| Earnings coverage of net charge-offs (x) | 17.3512% | 1,816 |
| Efficiency ratio | 62.3239% | 2,642 |
| Assets per employee ($millions) | 4.9219% | 3,773 |
| Cash dividends to net income (ytd only)* | 24.1181% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 2,374 |
| Loan loss allowance to noncurrent loans | 483.2947% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 1,995 |
| Noncurrent loans to loans | 0.2741% | 2,819 |
| Net loans and leases to total assets | 60.6223% | 2,181 |
| Net loans and leases to deposits | 73.6957% | 1,892 |
| Net loans and leases to core deposits | 79.5790% | 1,773 |
| Total domestic deposits to total assets | 82.2602% | 3,873 |
| Equity capital to assets | 10.7866% | 2,178 |
| Core capital (leverage) ratio | 10.3935% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9029% | 1,651 |
| Memoranda: | ||
| Average total assets | $250,660,500 | 2,741 |
| Average earning assets | $237,446,250 | 2,719 |
| Average equity | $26,332,250 | 2,797 |
| Average total loans | $158,644,250 | 2,595 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 2,272 |
| Cost of funding earning assets | 0.3493% | 2,322 |
| Net interest margin | 3.3747% | 2,217 |
| Noninterest income to average assets | 0.8863% | 1,307 |
| Noninterest expense to average assets | 2.5609% | 1,961 |
| Loan and lease loss provision to assets | 0.3407% | 225 |
| Net operating income to assets | 1.1664% | 2,307 |
| Return on assets (ROA) | 1.2141% | 2,210 |
| Pretax return on assets | 1.2238% | 2,845 |
| Return on Equity (ROE) | 11.6647% | 2,177 |
| Retained earnings to average equity (ytd only) | 8.0286% | 2,062 |
| Net charge-offs to loans | 0.0918% | 788 |
| Credit loss provision to net charge-offs | 580.8219% | 638 |
| Earnings coverage of net charge-offs (x) | 25.8493% | 1,396 |
| Efficiency ratio | 62.8104% | 2,612 |
| Assets per employee ($millions) | 4.8313% | 3,805 |
| Cash dividends to net income (ytd only)* | 31.1714% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,506 |
| Loan loss allowance to noncurrent loans | 256.8750% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 1,625 |
| Noncurrent loans to loans | 0.5005% | 2,179 |
| Net loans and leases to total assets | 62.8089% | 2,082 |
| Net loans and leases to deposits | 76.2539% | 1,793 |
| Net loans and leases to core deposits | 82.1069% | 1,714 |
| Total domestic deposits to total assets | 82.3681% | 3,849 |
| Equity capital to assets | 10.6131% | 2,296 |
| Core capital (leverage) ratio | 10.0781% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8882% | 1,667 |
| Memoranda: | ||
| Average total assets | $248,901,000 | 2,746 |
| Average earning assets | $235,337,000 | 2,720 |
| Average equity | $25,907,333 | 2,816 |
| Average total loans | $159,112,667 | 2,606 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 2,567 |
| Cost of funding earning assets | 0.3783% | 2,281 |
| Net interest margin | 3.2456% | 2,558 |
| Noninterest income to average assets | 0.9300% | 1,251 |
| Noninterest expense to average assets | 2.6141% | 1,850 |
| Loan and lease loss provision to assets | 0.4844% | 140 |
| Net operating income to assets | 0.8842% | 3,168 |
| Return on assets (ROA) | 0.9817% | 2,960 |
| Pretax return on assets | 0.9914% | 3,394 |
| Return on Equity (ROE) | 9.5262% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.0507% | 2,562 |
| Net charge-offs to loans | -0.0176% | 3,934 |
| Credit loss provision to net charge-offs | -4,285.7143% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4935% | 2,303 |
| Assets per employee ($millions) | 4.8823% | 3,770 |
| Cash dividends to net income (ytd only)* | 25.9868% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 2,557 |
| Loan loss allowance to noncurrent loans | 180.3587% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 1,798 |
| Noncurrent loans to loans | 0.7069% | 1,825 |
| Net loans and leases to total assets | 61.3351% | 2,357 |
| Net loans and leases to deposits | 74.7838% | 2,043 |
| Net loans and leases to core deposits | 80.9146% | 1,921 |
| Total domestic deposits to total assets | 82.0166% | 3,894 |
| Equity capital to assets | 9.8445% | 2,850 |
| Core capital (leverage) ratio | 10.1402% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3262% | 1,467 |
| Memoranda: | ||
| Average total assets | $247,738,000 | 2,742 |
| Average earning assets | $233,671,500 | 2,717 |
| Average equity | $25,529,500 | 2,834 |
| Average total loans | $158,745,000 | 2,611 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 1,803 |
| Cost of funding earning assets | 0.5777% | 2,464 |
| Net interest margin | 3.7427% | 1,658 |
| Noninterest income to average assets | 1.1033% | 872 |
| Noninterest expense to average assets | 2.8666% | 1,768 |
| Loan and lease loss provision to assets | 0.7868% | 161 |
| Net operating income to assets | 0.9512% | 2,476 |
| Return on assets (ROA) | 0.9489% | 2,633 |
| Pretax return on assets | 0.9600% | 3,179 |
| Return on Equity (ROE) | 9.0954% | 2,361 |
| Retained earnings to average equity (ytd only) | 3.5896% | 3,041 |
| Net charge-offs to loans | 0.9536% | 141 |
| Credit loss provision to net charge-offs | 117.4691% | 2,657 |
| Earnings coverage of net charge-offs (x) | 2.6114% | 3,150 |
| Efficiency ratio | 62.1058% | 3,107 |
| Assets per employee ($millions) | 4.5584% | 3,860 |
| Cash dividends to net income (ytd only)* | 60.5340% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,616 |
| Loan loss allowance to noncurrent loans | 118.8285% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6879% | 1,517 |
| Noncurrent loans to loans | 0.8976% | 1,570 |
| Net loans and leases to total assets | 65.4222% | 2,166 |
| Net loans and leases to deposits | 81.1774% | 1,744 |
| Net loans and leases to core deposits | 88.6283% | 1,629 |
| Total domestic deposits to total assets | 80.5916% | 3,946 |
| Equity capital to assets | 10.7890% | 2,442 |
| Core capital (leverage) ratio | 10.2382% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5439% | 1,671 |
| Memoranda: | ||
| Average total assets | $217,085,200 | 2,817 |
| Average earning assets | $203,728,200 | 2,795 |
| Average equity | $22,648,800 | 2,964 |
| Average total loans | $152,471,600 | 2,643 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 1,697 |
| Cost of funding earning assets | 0.6194% | 2,487 |
| Net interest margin | 3.8315% | 1,532 |
| Noninterest income to average assets | 1.1193% | 836 |
| Noninterest expense to average assets | 2.9294% | 1,614 |
| Loan and lease loss provision to assets | 0.5238% | 546 |
| Net operating income to assets | 1.2513% | 1,480 |
| Return on assets (ROA) | 1.2451% | 1,614 |
| Pretax return on assets | 1.2565% | 2,204 |
| Return on Equity (ROE) | 12.0517% | 1,354 |
| Retained earnings to average equity (ytd only) | 7.0903% | 1,651 |
| Net charge-offs to loans | 0.1027% | 1,285 |
| Credit loss provision to net charge-offs | 714.6552% | 1,054 |
| Earnings coverage of net charge-offs (x) | 24.3707% | 1,761 |
| Efficiency ratio | 62.1147% | 3,057 |
| Assets per employee ($millions) | 4.5081% | 3,842 |
| Cash dividends to net income (ytd only)* | 41.1675% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 1,980 |
| Loan loss allowance to noncurrent loans | 203.2895% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 2,082 |
| Noncurrent loans to loans | 0.6616% | 2,133 |
| Net loans and leases to total assets | 66.4084% | 2,463 |
| Net loans and leases to deposits | 82.1651% | 2,081 |
| Net loans and leases to core deposits | 90.3525% | 1,945 |
| Total domestic deposits to total assets | 80.8232% | 3,698 |
| Equity capital to assets | 10.9233% | 2,449 |
| Core capital (leverage) ratio | 10.5488% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1967% | 1,451 |
| Memoranda: | ||
| Average total assets | $210,957,250 | 2,842 |
| Average earning assets | $198,035,750 | 2,826 |
| Average equity | $21,794,500 | 3,016 |
| Average total loans | $150,649,000 | 2,662 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,490 |
| Cost of funding earning assets | 0.6678% | 2,574 |
| Net interest margin | 3.9975% | 1,329 |
| Noninterest income to average assets | 1.0137% | 959 |
| Noninterest expense to average assets | 2.9678% | 1,660 |
| Loan and lease loss provision to assets | 0.6199% | 503 |
| Net operating income to assets | 1.1604% | 1,762 |
| Return on assets (ROA) | 1.1506% | 1,928 |
| Pretax return on assets | 1.1625% | 2,485 |
| Return on Equity (ROE) | 11.3951% | 1,515 |
| Retained earnings to average equity (ytd only) | 4.3812% | 2,750 |
| Net charge-offs to loans | 0.2105% | 738 |
| Credit loss provision to net charge-offs | 403.2258% | 1,396 |
| Earnings coverage of net charge-offs (x) | 11.6581% | 2,093 |
| Efficiency ratio | 62.3463% | 3,067 |
| Assets per employee ($millions) | 4.1015% | 4,203 |
| Cash dividends to net income (ytd only)* | 61.5517% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 2,607 |
| Loan loss allowance to noncurrent loans | 127.4900% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8222% | 1,506 |
| Noncurrent loans to loans | 0.9261% | 1,665 |
| Net loans and leases to total assets | 72.5546% | 1,612 |
| Net loans and leases to deposits | 86.6702% | 1,698 |
| Net loans and leases to core deposits | 92.8583% | 1,830 |
| Total domestic deposits to total assets | 83.7134% | 2,844 |
| Equity capital to assets | 9.6007% | 3,562 |
| Core capital (leverage) ratio | 9.6168% | 3,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9161% | 2,216 |
| Memoranda: | ||
| Average total assets | $201,633,333 | 2,890 |
| Average earning assets | $188,969,000 | 2,879 |
| Average equity | $20,359,667 | 3,142 |
| Average total loans | $147,254,667 | 2,680 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 2,497 |
| Cost of funding earning assets | 0.7489% | 2,673 |
| Net interest margin | 3.6843% | 2,378 |
| Noninterest income to average assets | 0.7908% | 1,340 |
| Noninterest expense to average assets | 3.0421% | 1,778 |
| Loan and lease loss provision to assets | 0.3171% | 976 |
| Net operating income to assets | 0.8677% | 2,625 |
| Return on assets (ROA) | 0.8388% | 2,845 |
| Pretax return on assets | 0.8513% | 3,280 |
| Return on Equity (ROE) | 8.0774% | 2,488 |
| Retained earnings to average equity (ytd only) | 5.3648% | 2,135 |
| Net charge-offs to loans | 0.3238% | 450 |
| Credit loss provision to net charge-offs | 134.5133% | 1,644 |
| Earnings coverage of net charge-offs (x) | 5.0796% | 2,087 |
| Efficiency ratio | 71.7520% | 2,115 |
| Assets per employee ($millions) | 3.5504% | 4,440 |
| Cash dividends to net income (ytd only)* | 33.5821% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,465 |
| Loan loss allowance to noncurrent loans | 111.2024% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 1,669 |
| Noncurrent loans to loans | 0.9407% | 1,751 |
| Net loans and leases to total assets | 73.4624% | 1,700 |
| Net loans and leases to deposits | 82.2755% | 2,423 |
| Net loans and leases to core deposits | 88.1499% | 2,509 |
| Total domestic deposits to total assets | 89.2882% | 550 |
| Equity capital to assets | 10.3232% | 3,497 |
| Core capital (leverage) ratio | 10.4295% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9666% | 2,297 |
| Memoranda: | ||
| Average total assets | $191,708,500 | 2,939 |
| Average earning assets | $179,465,500 | 2,924 |
| Average equity | $19,907,500 | 3,178 |
| Average total loans | $139,574,000 | 2,728 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 2,459 |
| Cost of funding earning assets | 0.9217% | 2,106 |
| Net interest margin | 3.7330% | 2,721 |
| Noninterest income to average assets | 0.5642% | 2,399 |
| Noninterest expense to average assets | 3.1686% | 1,596 |
| Loan and lease loss provision to assets | 0.2427% | 774 |
| Net operating income to assets | 0.6281% | 4,076 |
| Return on assets (ROA) | 0.6510% | 4,087 |
| Pretax return on assets | 0.6531% | 4,318 |
| Return on Equity (ROE) | 6.3464% | 3,802 |
| Retained earnings to average equity (ytd only) | 4.6910% | 2,592 |
| Net charge-offs to loans | 0.1240% | 1,522 |
| Credit loss provision to net charge-offs | 265.1163% | 1,046 |
| Earnings coverage of net charge-offs (x) | 9.5349% | 2,652 |
| Efficiency ratio | 78.4012% | 1,106 |
| Assets per employee ($millions) | 3.5499% | 4,436 |
| Cash dividends to net income (ytd only)* | 26.0834% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,167 |
| Loan loss allowance to noncurrent loans | 105.9167% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 1,458 |
| Noncurrent loans to loans | 1.0006% | 1,518 |
| Net loans and leases to total assets | 70.6150% | 2,301 |
| Net loans and leases to deposits | 79.3389% | 2,861 |
| Net loans and leases to core deposits | 85.1469% | 2,861 |
| Total domestic deposits to total assets | 89.0043% | 671 |
| Equity capital to assets | 10.4453% | 3,496 |
| Core capital (leverage) ratio | 10.4008% | 3,069 |
| Tier 1 risk-based capital ratio | 13.4865% | 3,532 |
| Total risk-based capital ratio | 14.4848% | 3,551 |
| Memoranda: | ||
| Average total assets | $187,876,000 | 2,938 |
| Average earning assets | $175,007,600 | 2,932 |
| Average equity | $19,270,800 | 3,198 |
| Average total loans | $138,658,400 | 2,742 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 2,330 |
| Cost of funding earning assets | 0.9478% | 1,999 |
| Net interest margin | 3.7804% | 2,655 |
| Noninterest income to average assets | 0.4965% | 2,750 |
| Noninterest expense to average assets | 3.1799% | 1,503 |
| Loan and lease loss provision to assets | 0.1519% | 1,240 |
| Net operating income to assets | 0.6690% | 4,108 |
| Return on assets (ROA) | 0.6983% | 4,079 |
| Pretax return on assets | 0.7112% | 4,319 |
| Return on Equity (ROE) | 6.8402% | 3,746 |
| Retained earnings to average equity (ytd only) | 5.2611% | 2,750 |
| Net charge-offs to loans | -0.0680% | 4,903 |
| Credit loss provision to net charge-offs | -300.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2392% | 988 |
| Assets per employee ($millions) | 3.4771% | 4,520 |
| Cash dividends to net income (ytd only)* | 23.0851% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,447 |
| Loan loss allowance to noncurrent loans | 77.8733% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1062% | 1,183 |
| Noncurrent loans to loans | 1.3129% | 1,179 |
| Net loans and leases to total assets | 74.7574% | 1,685 |
| Net loans and leases to deposits | 84.0840% | 2,445 |
| Net loans and leases to core deposits | 90.4218% | 2,511 |
| Total domestic deposits to total assets | 88.9080% | 646 |
| Equity capital to assets | 10.5988% | 3,473 |
| Core capital (leverage) ratio | 10.4206% | 3,171 |
| Tier 1 risk-based capital ratio | 12.9492% | 3,878 |
| Total risk-based capital ratio | 13.9153% | 3,921 |
| Memoranda: | ||
| Average total assets | $186,921,750 | 2,969 |
| Average earning assets | $173,873,500 | 2,972 |
| Average equity | $19,082,750 | 3,240 |
| Average total loans | $139,119,500 | 2,763 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 2,263 |
| Cost of funding earning assets | 0.9389% | 1,970 |
| Net interest margin | 3.7950% | 2,598 |
| Noninterest income to average assets | 0.5251% | 2,538 |
| Noninterest expense to average assets | 3.1976% | 1,511 |
| Loan and lease loss provision to assets | 0.0868% | 2,113 |
| Net operating income to assets | 0.7492% | 3,833 |
| Return on assets (ROA) | 0.7576% | 3,866 |
| Pretax return on assets | 0.7705% | 4,163 |
| Return on Equity (ROE) | 7.5173% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.6672% | 2,436 |
| Net charge-offs to loans | -0.0651% | 4,901 |
| Credit loss provision to net charge-offs | -180.0000% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0254% | 1,058 |
| Assets per employee ($millions) | 3.2616% | 4,728 |
| Cash dividends to net income (ytd only)* | 24.6110% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,016 |
| Loan loss allowance to noncurrent loans | 48.9023% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.5652% | 699 |
| Noncurrent loans to loans | 1.8790% | 794 |
| Net loans and leases to total assets | 73.6450% | 1,943 |
| Net loans and leases to deposits | 82.6034% | 2,665 |
| Net loans and leases to core deposits | 88.4205% | 2,754 |
| Total domestic deposits to total assets | 89.1550% | 603 |
| Equity capital to assets | 10.3402% | 3,656 |
| Core capital (leverage) ratio | 10.1706% | 3,415 |
| Tier 1 risk-based capital ratio | 12.8490% | 3,914 |
| Total risk-based capital ratio | 13.7129% | 4,032 |
| Memoranda: | ||
| Average total assets | $186,640,330 | 2,981 |
| Average earning assets | $173,174,670 | 2,991 |
| Average equity | $18,810,000 | 3,269 |
| Average total loans | $138,219,670 | 2,784 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 2,595 |
| Cost of funding earning assets | 0.8932% | 2,041 |
| Net interest margin | 3.6893% | 2,936 |
| Noninterest income to average assets | 0.4014% | 3,172 |
| Noninterest expense to average assets | 3.2432% | 1,400 |
| Loan and lease loss provision to assets | 0.0583% | 2,487 |
| Net operating income to assets | 0.5096% | 4,493 |
| Return on assets (ROA) | 0.5287% | 4,457 |
| Pretax return on assets | 0.5416% | 4,605 |
| Return on Equity (ROE) | 5.3161% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.1029% | 3,697 |
| Net charge-offs to loans | 0.0292% | 1,875 |
| Credit loss provision to net charge-offs | 270.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 26.9000% | 1,388 |
| Efficiency ratio | 84.8194% | 653 |
| Assets per employee ($millions) | 3.1933% | 4,837 |
| Cash dividends to net income (ytd only)* | 41.6327% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 4,319 |
| Loan loss allowance to noncurrent loans | 61.6988% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.2170% | 1,097 |
| Noncurrent loans to loans | 1.3875% | 1,165 |
| Net loans and leases to total assets | 74.0356% | 1,792 |
| Net loans and leases to deposits | 82.8196% | 2,528 |
| Net loans and leases to core deposits | 88.6036% | 2,632 |
| Total domestic deposits to total assets | 89.3937% | 696 |
| Equity capital to assets | 10.0804% | 3,739 |
| Core capital (leverage) ratio | 10.2116% | 3,371 |
| Tier 1 risk-based capital ratio | 12.8045% | 3,979 |
| Total risk-based capital ratio | 13.6107% | 4,128 |
| Memoranda: | ||
| Average total assets | $185,373,000 | 3,030 |
| Average earning assets | $171,958,500 | 3,033 |
| Average equity | $18,434,500 | 3,319 |
| Average total loans | $137,024,500 | 2,828 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6400% | 2,017 |
| Cost of funding earning assets | 0.6537% | 2,368 |
| Net interest margin | 3.9863% | 2,032 |
| Noninterest income to average assets | 0.7080% | 1,825 |
| Noninterest expense to average assets | 3.4481% | 1,076 |
| Loan and lease loss provision to assets | 0.3233% | 495 |
| Net operating income to assets | 0.6044% | 4,407 |
| Return on assets (ROA) | 0.6110% | 4,391 |
| Pretax return on assets | 0.6245% | 4,588 |
| Return on Equity (ROE) | 6.1557% | 4,128 |
| Retained earnings to average equity (ytd only) | 4.9109% | 2,817 |
| Net charge-offs to loans | 0.3375% | 571 |
| Credit loss provision to net charge-offs | 128.7640% | 2,051 |
| Earnings coverage of net charge-offs (x) | 3.7483% | 3,382 |
| Efficiency ratio | 78.5604% | 1,080 |
| Assets per employee ($millions) | 3.1447% | 4,889 |
| Cash dividends to net income (ytd only)* | 20.2216% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 4,335 |
| Loan loss allowance to noncurrent loans | 99.8288% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 1,954 |
| Noncurrent loans to loans | 0.8604% | 1,879 |
| Net loans and leases to total assets | 72.5346% | 2,172 |
| Net loans and leases to deposits | 80.9116% | 2,864 |
| Net loans and leases to core deposits | 85.8595% | 2,927 |
| Total domestic deposits to total assets | 89.6467% | 598 |
| Equity capital to assets | 9.8089% | 3,855 |
| Core capital (leverage) ratio | 10.3242% | 3,226 |
| Tier 1 risk-based capital ratio | 13.5247% | 3,532 |
| Total risk-based capital ratio | 14.3737% | 3,663 |
| Memoranda: | ||
| Average total assets | $177,254,800 | 3,080 |
| Average earning assets | $163,684,600 | 3,099 |
| Average equity | $17,593,400 | 3,334 |
| Average total loans | $131,833,200 | 2,859 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 1,891 |
| Cost of funding earning assets | 0.5819% | 2,619 |
| Net interest margin | 4.0513% | 1,787 |
| Noninterest income to average assets | 0.7489% | 1,680 |
| Noninterest expense to average assets | 3.5756% | 890 |
| Loan and lease loss provision to assets | 0.4361% | 279 |
| Net operating income to assets | 0.4645% | 4,831 |
| Return on assets (ROA) | 0.4734% | 4,819 |
| Pretax return on assets | 0.4871% | 4,920 |
| Return on Equity (ROE) | 4.7547% | 4,636 |
| Retained earnings to average equity (ytd only) | 3.5775% | 3,977 |
| Net charge-offs to loans | 0.2140% | 798 |
| Credit loss provision to net charge-offs | 272.8571% | 1,104 |
| Earnings coverage of net charge-offs (x) | 5.7191% | 2,941 |
| Efficiency ratio | 79.6406% | 982 |
| Assets per employee ($millions) | 2.9785% | 5,048 |
| Cash dividends to net income (ytd only)* | 24.7591% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,726 |
| Loan loss allowance to noncurrent loans | 102.4872% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.8494% | 1,742 |
| Noncurrent loans to loans | 0.9800% | 1,734 |
| Net loans and leases to total assets | 77.2730% | 1,452 |
| Net loans and leases to deposits | 89.5661% | 1,952 |
| Net loans and leases to core deposits | 95.1460% | 2,201 |
| Total domestic deposits to total assets | 86.2748% | 2,066 |
| Equity capital to assets | 9.8485% | 3,783 |
| Core capital (leverage) ratio | 10.2354% | 3,362 |
| Tier 1 risk-based capital ratio | 12.9381% | 3,945 |
| Total risk-based capital ratio | 13.9378% | 3,986 |
| Memoranda: | ||
| Average total assets | $175,184,750 | 3,130 |
| Average earning assets | $161,755,750 | 3,148 |
| Average equity | $17,442,000 | 3,379 |
| Average total loans | $130,855,750 | 2,891 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 1,468 |
| Cost of funding earning assets | 0.5530% | 2,589 |
| Net interest margin | 4.1609% | 1,374 |
| Noninterest income to average assets | 0.8080% | 1,450 |
| Noninterest expense to average assets | 3.6906% | 767 |
| Loan and lease loss provision to assets | 0.5919% | 175 |
| Net operating income to assets | 0.3431% | 5,055 |
| Return on assets (ROA) | 0.3563% | 5,037 |
| Pretax return on assets | 0.3701% | 5,081 |
| Return on Equity (ROE) | 3.5567% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.3864% | 4,319 |
| Net charge-offs to loans | 0.3157% | 506 |
| Credit loss provision to net charge-offs | 254.9505% | 1,121 |
| Earnings coverage of net charge-offs (x) | 4.0842% | 2,824 |
| Efficiency ratio | 79.5590% | 1,060 |
| Assets per employee ($millions) | 2.9906% | 5,102 |
| Cash dividends to net income (ytd only)* | 32.9032% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,866 |
| Loan loss allowance to noncurrent loans | 85.5605% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.9805% | 1,536 |
| Noncurrent loans to loans | 1.1645% | 1,496 |
| Net loans and leases to total assets | 76.0779% | 1,625 |
| Net loans and leases to deposits | 88.4740% | 2,053 |
| Net loans and leases to core deposits | 94.0655% | 2,215 |
| Total domestic deposits to total assets | 85.9891% | 2,286 |
| Equity capital to assets | 9.9038% | 3,719 |
| Core capital (leverage) ratio | 10.4245% | 3,109 |
| Tier 1 risk-based capital ratio | 13.1510% | 3,822 |
| Total risk-based capital ratio | 14.1480% | 3,869 |
| Memoranda: | ||
| Average total assets | $174,010,000 | 3,170 |
| Average earning assets | $160,207,330 | 3,188 |
| Average equity | $17,432,000 | 3,398 |
| Average total loans | $127,976,330 | 2,937 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 1,886 |
| Cost of funding earning assets | 0.5095% | 2,725 |
| Net interest margin | 3.9854% | 1,773 |
| Noninterest income to average assets | 0.4746% | 2,968 |
| Noninterest expense to average assets | 3.8405% | 633 |
| Loan and lease loss provision to assets | 0.9746% | 88 |
| Net operating income to assets | -0.6968% | 5,520 |
| Return on assets (ROA) | -0.6968% | 5,517 |
| Pretax return on assets | -0.6829% | 5,514 |
| Return on Equity (ROE) | -6.9154% | 5,519 |
| Retained earnings to average equity (ytd only) | -8.0641% | 5,309 |
| Net charge-offs to loans | 0.5927% | 254 |
| Credit loss provision to net charge-offs | 228.8043% | 958 |
| Earnings coverage of net charge-offs (x) | 0.6848% | 2,626 |
| Efficiency ratio | 92.9412% | 336 |
| Assets per employee ($millions) | 2.9588% | 5,176 |
| Cash dividends to net income (ytd only)* | -16.6113% | 5,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,826 |
| Loan loss allowance to noncurrent loans | 55.8476% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.6537% | 798 |
| Noncurrent loans to loans | 1.8327% | 906 |
| Net loans and leases to total assets | 71.8478% | 2,193 |
| Net loans and leases to deposits | 82.3035% | 2,567 |
| Net loans and leases to core deposits | 87.1986% | 2,702 |
| Total domestic deposits to total assets | 87.2962% | 2,010 |
| Equity capital to assets | 9.8934% | 3,706 |
| Core capital (leverage) ratio | 10.1963% | 3,309 |
| Tier 1 risk-based capital ratio | 13.4925% | 3,653 |
| Total risk-based capital ratio | 14.4866% | 3,725 |
| Memoranda: | ||
| Average total assets | $172,791,000 | 3,214 |
| Average earning assets | $158,580,500 | 3,232 |
| Average equity | $17,410,500 | 3,426 |
| Average total loans | $124,170,000 | 3,011 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 1,466 |
| Cost of funding earning assets | 0.4864% | 2,448 |
| Net interest margin | 4.1007% | 1,433 |
| Noninterest income to average assets | 0.3242% | 4,148 |
| Noninterest expense to average assets | 3.4464% | 1,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6885% | 3,648 |
| Return on assets (ROA) | 0.6913% | 3,689 |
| Pretax return on assets | 0.6936% | 4,524 |
| Return on Equity (ROE) | 6.8957% | 3,331 |
| Retained earnings to average equity (ytd only) | 5.7892% | 1,662 |
| Net charge-offs to loans | 0.3312% | 767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.8626% | 3,687 |
| Efficiency ratio | 83.3034% | 829 |
| Assets per employee ($millions) | 2.9995% | 5,199 |
| Cash dividends to net income (ytd only)* | 16.0463% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,702 |
| Loan loss allowance to noncurrent loans | 35.6089% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.8491% | 651 |
| Noncurrent loans to loans | 2.3552% | 596 |
| Net loans and leases to total assets | 70.5453% | 2,441 |
| Net loans and leases to deposits | 79.1019% | 3,011 |
| Net loans and leases to core deposits | 83.4204% | 3,113 |
| Total domestic deposits to total assets | 89.1827% | 913 |
| Equity capital to assets | 10.2562% | 3,425 |
| Core capital (leverage) ratio | 10.2227% | 3,162 |
| Tier 1 risk-based capital ratio | 14.4225% | 3,125 |
| Total risk-based capital ratio | 15.2722% | 3,254 |
| Memoranda: | ||
| Average total assets | $174,879,600 | 3,177 |
| Average earning assets | $162,607,200 | 3,165 |
| Average equity | $17,532,600 | 3,424 |
| Average total loans | $127,403,200 | 2,950 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 1,385 |
| Cost of funding earning assets | 0.4892% | 2,361 |
| Net interest margin | 4.1053% | 1,375 |
| Noninterest income to average assets | 0.2581% | 4,656 |
| Noninterest expense to average assets | 3.4591% | 1,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6062% | 4,369 |
| Return on assets (ROA) | 0.6099% | 4,395 |
| Pretax return on assets | 0.6236% | 4,793 |
| Return on Equity (ROE) | 6.1184% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.0949% | 2,812 |
| Net charge-offs to loans | 0.4354% | 479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.9427% | 3,528 |
| Efficiency ratio | 84.8049% | 701 |
| Assets per employee ($millions) | 3.0466% | 5,223 |
| Cash dividends to net income (ytd only)* | 16.7289% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8230% | 4,835 |
| Loan loss allowance to noncurrent loans | 31.3064% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 1.9999% | 646 |
| Noncurrent loans to loans | 2.6287% | 550 |
| Net loans and leases to total assets | 72.1729% | 2,231 |
| Net loans and leases to deposits | 80.8554% | 2,890 |
| Net loans and leases to core deposits | 85.4525% | 3,016 |
| Total domestic deposits to total assets | 89.2617% | 757 |
| Equity capital to assets | 10.2679% | 3,621 |
| Core capital (leverage) ratio | 9.9646% | 3,613 |
| Tier 1 risk-based capital ratio | 13.4108% | 3,757 |
| Total risk-based capital ratio | 14.2166% | 3,942 |
| Memoranda: | ||
| Average total assets | $175,106,500 | 3,206 |
| Average earning assets | $162,972,000 | 3,192 |
| Average equity | $17,455,000 | 3,467 |
| Average total loans | $128,312,250 | 2,962 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 1,349 |
| Cost of funding earning assets | 0.4856% | 2,284 |
| Net interest margin | 4.0770% | 1,390 |
| Noninterest income to average assets | 0.4454% | 3,384 |
| Noninterest expense to average assets | 3.3726% | 1,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8464% | 3,172 |
| Return on assets (ROA) | 0.8520% | 3,198 |
| Pretax return on assets | 0.8657% | 4,056 |
| Return on Equity (ROE) | 8.6326% | 2,701 |
| Retained earnings to average equity (ytd only) | 7.3977% | 1,399 |
| Net charge-offs to loans | 0.2388% | 854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.9026% | 2,879 |
| Efficiency ratio | 79.6825% | 1,250 |
| Assets per employee ($millions) | 3.0849% | 5,199 |
| Cash dividends to net income (ytd only)* | 14.3048% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 4,099 |
| Loan loss allowance to noncurrent loans | 35.7123% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.5568% | 413 |
| Noncurrent loans to loans | 2.8185% | 485 |
| Net loans and leases to total assets | 74.3501% | 1,804 |
| Net loans and leases to deposits | 83.4611% | 2,547 |
| Net loans and leases to core deposits | 88.1348% | 2,689 |
| Total domestic deposits to total assets | 89.0835% | 917 |
| Equity capital to assets | 10.3405% | 3,526 |
| Core capital (leverage) ratio | 9.6648% | 3,941 |
| Tier 1 risk-based capital ratio | 13.1672% | 3,906 |
| Total risk-based capital ratio | 14.1597% | 3,973 |
| Memoranda: | ||
| Average total assets | $175,589,330 | 3,215 |
| Average earning assets | $163,111,330 | 3,198 |
| Average equity | $17,329,670 | 3,494 |
| Average total loans | $128,958,330 | 2,961 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 1,357 |
| Cost of funding earning assets | 0.4832% | 2,222 |
| Net interest margin | 4.0226% | 1,409 |
| Noninterest income to average assets | 0.3322% | 4,173 |
| Noninterest expense to average assets | 3.1909% | 1,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8339% | 3,064 |
| Return on assets (ROA) | 0.8339% | 3,121 |
| Pretax return on assets | 0.8474% | 3,947 |
| Return on Equity (ROE) | 8.6505% | 2,588 |
| Retained earnings to average equity (ytd only) | 7.6659% | 1,587 |
| Net charge-offs to loans | 0.5352% | 334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.1802% | 2,628 |
| Efficiency ratio | 79.0151% | 1,484 |
| Assets per employee ($millions) | 3.1619% | 5,207 |
| Cash dividends to net income (ytd only)* | 11.3821% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 4,067 |
| Loan loss allowance to noncurrent loans | 32.5993% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.8061% | 375 |
| Noncurrent loans to loans | 3.1718% | 404 |
| Net loans and leases to total assets | 70.8871% | 2,239 |
| Net loans and leases to deposits | 79.2106% | 2,842 |
| Net loans and leases to core deposits | 83.8830% | 2,911 |
| Total domestic deposits to total assets | 89.4920% | 898 |
| Equity capital to assets | 9.9100% | 3,862 |
| Core capital (leverage) ratio | 9.6683% | 3,904 |
| Tier 1 risk-based capital ratio | 12.5340% | 4,370 |
| Total risk-based capital ratio | 13.4771% | 4,463 |
| Memoranda: | ||
| Average total assets | $177,005,500 | 3,220 |
| Average earning assets | $163,080,500 | 3,229 |
| Average equity | $17,062,500 | 3,544 |
| Average total loans | $128,562,000 | 2,984 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7089% | 1,050 |
| Cost of funding earning assets | 0.5225% | 1,921 |
| Net interest margin | 4.1864% | 1,153 |
| Noninterest income to average assets | 0.6192% | 2,558 |
| Noninterest expense to average assets | 3.6229% | 979 |
| Loan and lease loss provision to assets | 1.1053% | 86 |
| Net operating income to assets | -0.2237% | 5,723 |
| Return on assets (ROA) | -0.2075% | 5,730 |
| Pretax return on assets | -0.2075% | 5,721 |
| Return on Equity (ROE) | -2.1101% | 5,736 |
| Retained earnings to average equity (ytd only) | -2.7073% | 5,575 |
| Net charge-offs to loans | 1.4907% | 95 |
| Credit loss provision to net charge-offs | 96.1089% | 2,679 |
| Earnings coverage of net charge-offs (x) | 0.7665% | 4,076 |
| Efficiency ratio | 80.4297% | 1,368 |
| Assets per employee ($millions) | 3.0018% | 5,358 |
| Cash dividends to net income (ytd only)* | -28.3019% | 5,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 3,708 |
| Loan loss allowance to noncurrent loans | 38.7063% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 2.7245% | 418 |
| Noncurrent loans to loans | 2.8455% | 502 |
| Net loans and leases to total assets | 72.7903% | 2,043 |
| Net loans and leases to deposits | 80.8151% | 2,800 |
| Net loans and leases to core deposits | 87.1709% | 2,758 |
| Total domestic deposits to total assets | 90.0702% | 607 |
| Equity capital to assets | 9.3784% | 4,399 |
| Core capital (leverage) ratio | 9.3096% | 4,339 |
| Tier 1 risk-based capital ratio | 11.4461% | 5,085 |
| Total risk-based capital ratio | 12.4455% | 5,117 |
| Memoranda: | ||
| Average total assets | $178,779,000 | 3,176 |
| Average earning assets | $165,918,600 | 3,162 |
| Average equity | $17,581,800 | 3,478 |
| Average total loans | $137,924,400 | 2,803 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 1,047 |
| Cost of funding earning assets | 0.5276% | 1,890 |
| Net interest margin | 4.1790% | 1,180 |
| Noninterest income to average assets | 0.5708% | 2,807 |
| Noninterest expense to average assets | 3.2651% | 1,640 |
| Loan and lease loss provision to assets | 1.1267% | 85 |
| Net operating income to assets | 0.0570% | 5,676 |
| Return on assets (ROA) | 0.0755% | 5,696 |
| Pretax return on assets | 0.0889% | 5,689 |
| Return on Equity (ROE) | 0.7585% | 5,673 |
| Retained earnings to average equity (ytd only) | 0.0826% | 5,315 |
| Net charge-offs to loans | 0.6261% | 329 |
| Credit loss provision to net charge-offs | 230.5810% | 1,278 |
| Earnings coverage of net charge-offs (x) | 2.4434% | 3,569 |
| Efficiency ratio | 73.2239% | 2,400 |
| Assets per employee ($millions) | 2.8573% | 5,504 |
| Cash dividends to net income (ytd only)* | 89.1133% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 1,245 |
| Loan loss allowance to noncurrent loans | 59.0965% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 2.9669% | 390 |
| Noncurrent loans to loans | 2.8562% | 559 |
| Net loans and leases to total assets | 78.7111% | 1,081 |
| Net loans and leases to deposits | 88.1398% | 1,997 |
| Net loans and leases to core deposits | 96.2731% | 1,964 |
| Total domestic deposits to total assets | 89.3025% | 756 |
| Equity capital to assets | 10.2172% | 3,893 |
| Core capital (leverage) ratio | 9.6666% | 3,975 |
| Tier 1 risk-based capital ratio | 12.0099% | 4,784 |
| Total risk-based capital ratio | 13.2673% | 4,680 |
| Memoranda: | ||
| Average total assets | $178,447,500 | 3,192 |
| Average earning assets | $166,031,500 | 3,179 |
| Average equity | $17,754,500 | 3,470 |
| Average total loans | $139,265,750 | 2,797 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 1,174 |
| Cost of funding earning assets | 0.5160% | 1,972 |
| Net interest margin | 4.1306% | 1,291 |
| Noninterest income to average assets | 0.4226% | 3,716 |
| Noninterest expense to average assets | 3.1843% | 1,853 |
| Loan and lease loss provision to assets | 1.6861% | 51 |
| Net operating income to assets | -0.6216% | 5,941 |
| Return on assets (ROA) | -0.5892% | 5,937 |
| Pretax return on assets | -0.5758% | 5,927 |
| Return on Equity (ROE) | -5.9753% | 5,941 |
| Retained earnings to average equity (ytd only) | -6.5422% | 5,805 |
| Net charge-offs to loans | 0.8627% | 229 |
| Credit loss provision to net charge-offs | 252.5963% | 1,093 |
| Earnings coverage of net charge-offs (x) | 1.6147% | 3,382 |
| Efficiency ratio | 74.7114% | 2,257 |
| Assets per employee ($millions) | 2.9779% | 5,456 |
| Cash dividends to net income (ytd only)* | -9.4877% | 6,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 1,168 |
| Loan loss allowance to noncurrent loans | 62.4618% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 2.9932% | 409 |
| Noncurrent loans to loans | 2.8114% | 558 |
| Net loans and leases to total assets | 76.7465% | 1,376 |
| Net loans and leases to deposits | 85.3257% | 2,318 |
| Net loans and leases to core deposits | 93.1822% | 2,244 |
| Total domestic deposits to total assets | 89.9454% | 511 |
| Equity capital to assets | 9.8207% | 4,421 |
| Core capital (leverage) ratio | 9.3371% | 4,412 |
| Tier 1 risk-based capital ratio | 11.4849% | 5,168 |
| Total risk-based capital ratio | 12.7408% | 5,050 |
| Memoranda: | ||
| Average total assets | $178,879,000 | 3,203 |
| Average earning assets | $166,271,670 | 3,189 |
| Average equity | $17,639,330 | 3,495 |
| Average total loans | $138,410,000 | 2,816 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7134% | 1,020 |
| Cost of funding earning assets | 0.4989% | 2,119 |
| Net interest margin | 4.2145% | 1,068 |
| Noninterest income to average assets | 0.4783% | 3,276 |
| Noninterest expense to average assets | 3.0014% | 2,386 |
| Loan and lease loss provision to assets | 2.5701% | 29 |
| Net operating income to assets | -1.1800% | 6,042 |
| Return on assets (ROA) | -1.1286% | 6,041 |
| Pretax return on assets | -1.1152% | 6,028 |
| Return on Equity (ROE) | -11.4218% | 6,039 |
| Retained earnings to average equity (ytd only) | -12.5527% | 5,869 |
| Net charge-offs to loans | 0.6472% | 335 |
| Credit loss provision to net charge-offs | 515.6951% | 590 |
| Earnings coverage of net charge-offs (x) | 2.8161% | 2,630 |
| Efficiency ratio | 68.1380% | 3,445 |
| Assets per employee ($millions) | 2.9677% | 5,534 |
| Cash dividends to net income (ytd only)* | -9.9010% | 6,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7749% | 1,202 |
| Loan loss allowance to noncurrent loans | 75.7446% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 2.7283% | 510 |
| Noncurrent loans to loans | 2.3433% | 843 |
| Net loans and leases to total assets | 76.6729% | 1,297 |
| Net loans and leases to deposits | 85.1996% | 2,169 |
| Net loans and leases to core deposits | 93.5563% | 2,042 |
| Total domestic deposits to total assets | 89.9921% | 600 |
| Equity capital to assets | 9.7939% | 4,348 |
| Core capital (leverage) ratio | 9.4288% | 4,312 |
| Tier 1 risk-based capital ratio | 11.2870% | 5,351 |
| Total risk-based capital ratio | 12.5432% | 5,251 |
| Memoranda: | ||
| Average total assets | $178,981,500 | 3,215 |
| Average earning assets | $166,758,500 | 3,193 |
| Average equity | $17,685,500 | 3,478 |
| Average total loans | $137,826,500 | 2,830 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6605% | 1,196 |
| Cost of funding earning assets | 0.5437% | 1,816 |
| Net interest margin | 4.1168% | 1,372 |
| Noninterest income to average assets | 0.3421% | 4,464 |
| Noninterest expense to average assets | 2.9733% | 2,633 |
| Loan and lease loss provision to assets | 0.4366% | 283 |
| Net operating income to assets | 0.8210% | 3,242 |
| Return on assets (ROA) | 0.8331% | 3,257 |
| Pretax return on assets | 0.8364% | 4,083 |
| Return on Equity (ROE) | 8.7169% | 2,615 |
| Retained earnings to average equity (ytd only) | 6.7632% | 1,396 |
| Net charge-offs to loans | 0.8462% | 257 |
| Credit loss provision to net charge-offs | 69.9824% | 3,127 |
| Earnings coverage of net charge-offs (x) | 2.0211% | 3,991 |
| Efficiency ratio | 70.2205% | 3,189 |
| Assets per employee ($millions) | 3.1018% | 5,414 |
| Cash dividends to net income (ytd only)* | 22.4127% | 3,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,887 |
| Loan loss allowance to noncurrent loans | 84.9890% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.2974% | 1,638 |
| Noncurrent loans to loans | 1.3259% | 1,780 |
| Net loans and leases to total assets | 75.1084% | 1,551 |
| Net loans and leases to deposits | 83.6520% | 2,402 |
| Net loans and leases to core deposits | 90.7999% | 2,334 |
| Total domestic deposits to total assets | 89.7868% | 722 |
| Equity capital to assets | 9.9675% | 3,999 |
| Core capital (leverage) ratio | 9.6915% | 3,919 |
| Tier 1 risk-based capital ratio | 12.0867% | 4,894 |
| Total risk-based capital ratio | 13.1646% | 4,913 |
| Memoranda: | ||
| Average total assets | $182,087,600 | 3,134 |
| Average earning assets | $172,147,800 | 3,093 |
| Average equity | $17,403,000 | 3,477 |
| Average total loans | $134,247,200 | 2,816 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,274 |
| Cost of funding earning assets | 0.5503% | 1,804 |
| Net interest margin | 4.0741% | 1,480 |
| Noninterest income to average assets | 0.2993% | 4,795 |
| Noninterest expense to average assets | 2.8274% | 3,079 |
| Loan and lease loss provision to assets | 0.2628% | 628 |
| Net operating income to assets | 1.0631% | 2,159 |
| Return on assets (ROA) | 1.0768% | 2,193 |
| Pretax return on assets | 1.0870% | 3,281 |
| Return on Equity (ROE) | 11.3870% | 1,577 |
| Retained earnings to average equity (ytd only) | 9.4570% | 748 |
| Net charge-offs to loans | 0.3921% | 654 |
| Credit loss provision to net charge-offs | 91.6031% | 2,448 |
| Earnings coverage of net charge-offs (x) | 4.6565% | 3,321 |
| Efficiency ratio | 67.9116% | 3,563 |
| Assets per employee ($millions) | 3.0826% | 5,451 |
| Cash dividends to net income (ytd only)* | 16.9494% | 3,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 2,787 |
| Loan loss allowance to noncurrent loans | 90.0585% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.4100% | 1,631 |
| Noncurrent loans to loans | 1.5105% | 1,666 |
| Net loans and leases to total assets | 74.9505% | 1,556 |
| Net loans and leases to deposits | 84.7006% | 2,317 |
| Net loans and leases to core deposits | 90.4406% | 2,422 |
| Total domestic deposits to total assets | 88.4887% | 1,301 |
| Equity capital to assets | 10.0185% | 4,126 |
| Core capital (leverage) ratio | 9.7012% | 4,033 |
| Tier 1 risk-based capital ratio | 12.1329% | 5,005 |
| Total risk-based capital ratio | 13.3837% | 4,911 |
| Memoranda: | ||
| Average total assets | $182,633,500 | 3,161 |
| Average earning assets | $173,220,750 | 3,094 |
| Average equity | $17,270,750 | 3,519 |
| Average total loans | $133,643,250 | 2,837 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5864% | 1,314 |
| Cost of funding earning assets | 0.5542% | 1,783 |
| Net interest margin | 4.0322% | 1,547 |
| Noninterest income to average assets | 0.1805% | 5,611 |
| Noninterest expense to average assets | 2.7545% | 3,395 |
| Loan and lease loss provision to assets | 0.3915% | 314 |
| Net operating income to assets | 0.8471% | 3,138 |
| Return on assets (ROA) | 0.8471% | 3,243 |
| Pretax return on assets | 0.8558% | 4,106 |
| Return on Equity (ROE) | 9.1341% | 2,468 |
| Retained earnings to average equity (ytd only) | 8.0202% | 1,260 |
| Net charge-offs to loans | 0.3311% | 797 |
| Credit loss provision to net charge-offs | 163.6364% | 1,444 |
| Earnings coverage of net charge-offs (x) | 5.2136% | 2,947 |
| Efficiency ratio | 68.8315% | 3,522 |
| Assets per employee ($millions) | 3.0624% | 5,512 |
| Cash dividends to net income (ytd only)* | 12.1951% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 2,315 |
| Loan loss allowance to noncurrent loans | 144.9785% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.0826% | 2,349 |
| Noncurrent loans to loans | 1.0317% | 2,586 |
| Net loans and leases to total assets | 73.6645% | 1,714 |
| Net loans and leases to deposits | 81.8867% | 2,568 |
| Net loans and leases to core deposits | 88.8848% | 2,465 |
| Total domestic deposits to total assets | 89.9590% | 678 |
| Equity capital to assets | 9.5617% | 4,581 |
| Core capital (leverage) ratio | 9.2245% | 4,657 |
| Tier 1 risk-based capital ratio | 12.2522% | 4,968 |
| Total risk-based capital ratio | 13.5048% | 4,869 |
| Memoranda: | ||
| Average total assets | $183,914,670 | 3,175 |
| Average earning assets | $174,299,000 | 3,103 |
| Average equity | $17,057,000 | 3,559 |
| Average total loans | $132,907,000 | 2,857 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 1,550 |
| Cost of funding earning assets | 0.5629% | 1,723 |
| Net interest margin | 3.9059% | 1,877 |
| Noninterest income to average assets | 0.2997% | 4,777 |
| Noninterest expense to average assets | 3.0356% | 2,464 |
| Loan and lease loss provision to assets | 0.3881% | 309 |
| Net operating income to assets | 0.5713% | 4,398 |
| Return on assets (ROA) | 0.5713% | 4,503 |
| Pretax return on assets | 0.5713% | 4,994 |
| Return on Equity (ROE) | 6.2546% | 3,895 |
| Retained earnings to average equity (ytd only) | 5.4285% | 2,819 |
| Net charge-offs to loans | 0.5797% | 427 |
| Credit loss provision to net charge-offs | 94.2408% | 1,715 |
| Earnings coverage of net charge-offs (x) | 2.3298% | 2,779 |
| Efficiency ratio | 75.9849% | 2,512 |
| Assets per employee ($millions) | 3.5218% | 4,858 |
| Cash dividends to net income (ytd only)* | 13.2075% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 2,831 |
| Loan loss allowance to noncurrent loans | 103.5437% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 2,155 |
| Noncurrent loans to loans | 1.3713% | 2,097 |
| Net loans and leases to total assets | 70.8951% | 2,002 |
| Net loans and leases to deposits | 78.3836% | 2,751 |
| Net loans and leases to core deposits | 85.4727% | 2,603 |
| Total domestic deposits to total assets | 90.4463% | 547 |
| Equity capital to assets | 9.3451% | 4,912 |
| Core capital (leverage) ratio | 8.9017% | 5,069 |
| Tier 1 risk-based capital ratio | 11.1563% | 5,734 |
| Total risk-based capital ratio | 12.3431% | 5,679 |
| Memoranda: | ||
| Average total assets | $185,532,000 | 3,170 |
| Average earning assets | $175,531,000 | 3,111 |
| Average equity | $16,947,500 | 3,598 |
| Average total loans | $131,801,500 | 2,888 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 1,905 |
| Cost of funding earning assets | 0.6461% | 1,433 |
| Net interest margin | 3.8454% | 2,443 |
| Noninterest income to average assets | 0.3947% | 4,226 |
| Noninterest expense to average assets | 2.7494% | 3,680 |
| Loan and lease loss provision to assets | 0.4581% | 360 |
| Net operating income to assets | 0.7552% | 3,598 |
| Return on assets (ROA) | 0.8138% | 3,393 |
| Pretax return on assets | 0.8254% | 4,165 |
| Return on Equity (ROE) | 9.6535% | 2,271 |
| Retained earnings to average equity (ytd only) | 6.6133% | 1,588 |
| Net charge-offs to loans | 0.8798% | 371 |
| Credit loss provision to net charge-offs | 77.4799% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.0706% | 4,254 |
| Efficiency ratio | 69.1888% | 3,674 |
| Assets per employee ($millions) | 3.4169% | 5,020 |
| Cash dividends to net income (ytd only)* | 31.4935% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 2,822 |
| Loan loss allowance to noncurrent loans | 97.9677% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.4452% | 1,902 |
| Noncurrent loans to loans | 1.4549% | 2,018 |
| Net loans and leases to total assets | 69.1853% | 2,366 |
| Net loans and leases to deposits | 76.1473% | 3,180 |
| Net loans and leases to core deposits | 83.6723% | 2,932 |
| Total domestic deposits to total assets | 90.8572% | 413 |
| Equity capital to assets | 8.9294% | 5,361 |
| Core capital (leverage) ratio | 8.5453% | 5,507 |
| Tier 1 risk-based capital ratio | 11.9367% | 5,404 |
| Total risk-based capital ratio | 13.1938% | 5,303 |
| Memoranda: | ||
| Average total assets | $189,240,000 | 3,107 |
| Average earning assets | $176,130,800 | 3,086 |
| Average equity | $15,952,800 | 3,672 |
| Average total loans | $127,181,800 | 2,924 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 2,041 |
| Cost of funding earning assets | 0.6603% | 1,389 |
| Net interest margin | 3.7927% | 2,645 |
| Noninterest income to average assets | 0.3460% | 4,671 |
| Noninterest expense to average assets | 2.6959% | 3,838 |
| Loan and lease loss provision to assets | 0.4832% | 316 |
| Net operating income to assets | 0.6747% | 4,081 |
| Return on assets (ROA) | 0.7519% | 3,756 |
| Pretax return on assets | 0.7645% | 4,488 |
| Return on Equity (ROE) | 9.0520% | 2,654 |
| Retained earnings to average equity (ytd only) | 7.4431% | 1,597 |
| Net charge-offs to loans | 1.1470% | 242 |
| Credit loss provision to net charge-offs | 63.3764% | 2,886 |
| Earnings coverage of net charge-offs (x) | 1.5332% | 4,138 |
| Efficiency ratio | 69.7543% | 3,551 |
| Assets per employee ($millions) | 3.4191% | 5,019 |
| Cash dividends to net income (ytd only)* | 17.7738% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 3,589 |
| Loan loss allowance to noncurrent loans | 83.7760% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8447% | 1,604 |
| Noncurrent loans to loans | 1.5656% | 2,079 |
| Net loans and leases to total assets | 69.4223% | 2,280 |
| Net loans and leases to deposits | 76.5641% | 3,123 |
| Net loans and leases to core deposits | 85.1924% | 2,754 |
| Total domestic deposits to total assets | 90.6721% | 460 |
| Equity capital to assets | 8.7366% | 5,613 |
| Core capital (leverage) ratio | 8.5463% | 5,602 |
| Tier 1 risk-based capital ratio | 11.6728% | 5,684 |
| Total risk-based capital ratio | 12.9284% | 5,603 |
| Memoranda: | ||
| Average total assets | $189,567,500 | 3,131 |
| Average earning assets | $175,875,750 | 3,116 |
| Average equity | $15,745,750 | 3,727 |
| Average total loans | $126,002,250 | 2,956 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 2,140 |
| Cost of funding earning assets | 0.6696% | 1,379 |
| Net interest margin | 3.7416% | 2,793 |
| Noninterest income to average assets | 0.3220% | 4,840 |
| Noninterest expense to average assets | 2.6358% | 4,110 |
| Loan and lease loss provision to assets | 0.5230% | 281 |
| Net operating income to assets | 0.6035% | 4,341 |
| Return on assets (ROA) | 0.6850% | 4,018 |
| Pretax return on assets | 0.6976% | 4,648 |
| Return on Equity (ROE) | 8.3903% | 2,898 |
| Retained earnings to average equity (ytd only) | 7.6298% | 1,464 |
| Net charge-offs to loans | 1.0750% | 314 |
| Credit loss provision to net charge-offs | 74.6246% | 2,394 |
| Earnings coverage of net charge-offs (x) | 1.6231% | 3,756 |
| Efficiency ratio | 69.8550% | 3,678 |
| Assets per employee ($millions) | 3.4447% | 4,961 |
| Cash dividends to net income (ytd only)* | 9.0630% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 2,671 |
| Loan loss allowance to noncurrent loans | 78.9220% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.3118% | 1,280 |
| Noncurrent loans to loans | 1.9618% | 1,724 |
| Net loans and leases to total assets | 65.8491% | 2,767 |
| Net loans and leases to deposits | 73.5704% | 3,381 |
| Net loans and leases to core deposits | 79.7241% | 3,243 |
| Total domestic deposits to total assets | 89.5049% | 1,088 |
| Equity capital to assets | 8.5380% | 5,772 |
| Core capital (leverage) ratio | 8.2354% | 5,901 |
| Tier 1 risk-based capital ratio | 11.3440% | 5,881 |
| Total risk-based capital ratio | 12.5969% | 5,831 |
| Memoranda: | ||
| Average total assets | $190,073,670 | 3,151 |
| Average earning assets | $175,328,000 | 3,141 |
| Average equity | $15,518,000 | 3,767 |
| Average total loans | $123,908,670 | 2,994 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 2,266 |
| Cost of funding earning assets | 0.6809% | 1,356 |
| Net interest margin | 3.6901% | 2,903 |
| Noninterest income to average assets | 0.2794% | 5,129 |
| Noninterest expense to average assets | 2.6284% | 4,184 |
| Loan and lease loss provision to assets | 0.3152% | 592 |
| Net operating income to assets | 0.7165% | 3,594 |
| Return on assets (ROA) | 0.7165% | 3,681 |
| Pretax return on assets | 0.7291% | 4,389 |
| Return on Equity (ROE) | 8.9802% | 2,471 |
| Retained earnings to average equity (ytd only) | 8.1111% | 1,556 |
| Net charge-offs to loans | 0.1078% | 2,104 |
| Credit loss provision to net charge-offs | 454.5455% | 590 |
| Earnings coverage of net charge-offs (x) | 15.0606% | 1,567 |
| Efficiency ratio | 71.5675% | 3,568 |
| Assets per employee ($millions) | 3.6572% | 4,612 |
| Cash dividends to net income (ytd only)* | 9.6774% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 1,984 |
| Loan loss allowance to noncurrent loans | 77.6320% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 2.2690% | 1,450 |
| Noncurrent loans to loans | 2.3415% | 1,514 |
| Net loans and leases to total assets | 62.6692% | 3,128 |
| Net loans and leases to deposits | 68.3169% | 3,828 |
| Net loans and leases to core deposits | 74.4183% | 3,605 |
| Total domestic deposits to total assets | 91.7330% | 321 |
| Equity capital to assets | 7.9739% | 6,077 |
| Core capital (leverage) ratio | 7.9975% | 6,120 |
| Tier 1 risk-based capital ratio | 11.0615% | 6,130 |
| Total risk-based capital ratio | 12.3160% | 6,077 |
| Memoranda: | ||
| Average total assets | $190,381,000 | 3,166 |
| Average earning assets | $175,064,500 | 3,159 |
| Average equity | $15,189,000 | 3,833 |
| Average total loans | $122,503,500 | 3,018 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 2,692 |
| Cost of funding earning assets | 0.6952% | 1,851 |
| Net interest margin | 3.6741% | 3,157 |
| Noninterest income to average assets | 0.6031% | 3,080 |
| Noninterest expense to average assets | 2.6033% | 4,450 |
| Loan and lease loss provision to assets | 1.0323% | 171 |
| Net operating income to assets | 0.4620% | 4,900 |
| Return on assets (ROA) | 0.4620% | 5,031 |
| Pretax return on assets | 0.3632% | 5,577 |
| Return on Equity (ROE) | 5.4119% | 4,444 |
| Retained earnings to average equity (ytd only) | 2.8751% | 4,206 |
| Net charge-offs to loans | 1.2027% | 443 |
| Credit loss provision to net charge-offs | 135.9912% | 1,727 |
| Earnings coverage of net charge-offs (x) | 1.8383% | 4,434 |
| Efficiency ratio | 65.1021% | 4,713 |
| Assets per employee ($millions) | 3.4617% | 4,974 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 2,200 |
| Loan loss allowance to noncurrent loans | 91.6595% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 2.2110% | 1,616 |
| Noncurrent loans to loans | 1.9178% | 2,096 |
| Net loans and leases to total assets | 63.7420% | 3,084 |
| Net loans and leases to deposits | 69.4158% | 3,853 |
| Net loans and leases to core deposits | 75.6753% | 3,647 |
| Total domestic deposits to total assets | 91.8264% | 321 |
| Equity capital to assets | 7.9827% | 6,032 |
| Core capital (leverage) ratio | 8.2002% | 5,974 |
| Tier 1 risk-based capital ratio | 10.9983% | 6,171 |
| Total risk-based capital ratio | 12.2522% | 6,116 |
| Memoranda: | ||
| Average total assets | $180,081,600 | 3,271 |
| Average earning assets | $166,434,600 | 3,264 |
| Average equity | $15,373,400 | 3,802 |
| Average total loans | $113,658,200 | 3,175 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 2,735 |
| Cost of funding earning assets | 0.6955% | 1,985 |
| Net interest margin | 3.6644% | 3,179 |
| Noninterest income to average assets | 0.4014% | 4,528 |
| Noninterest expense to average assets | 2.5198% | 4,657 |
| Loan and lease loss provision to assets | 0.4111% | 723 |
| Net operating income to assets | 0.8402% | 3,139 |
| Return on assets (ROA) | 0.8402% | 3,266 |
| Pretax return on assets | 0.8536% | 4,082 |
| Return on Equity (ROE) | 9.6772% | 2,315 |
| Retained earnings to average equity (ytd only) | 7.1374% | 1,812 |
| Net charge-offs to loans | 1.2563% | 427 |
| Credit loss provision to net charge-offs | 52.2317% | 3,453 |
| Earnings coverage of net charge-offs (x) | 1.6068% | 4,303 |
| Efficiency ratio | 66.5811% | 4,379 |
| Assets per employee ($millions) | 3.3603% | 5,162 |
| Cash dividends to net income (ytd only)* | 26.2453% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 5,896 |
| Loan loss allowance to noncurrent loans | 49.4348% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.9652% | 2,066 |
| Noncurrent loans to loans | 1.9354% | 2,322 |
| Net loans and leases to total assets | 64.8650% | 2,829 |
| Net loans and leases to deposits | 71.0812% | 3,629 |
| Net loans and leases to core deposits | 78.4753% | 3,301 |
| Total domestic deposits to total assets | 91.2547% | 440 |
| Equity capital to assets | 8.4119% | 5,824 |
| Core capital (leverage) ratio | 8.5257% | 5,746 |
| Tier 1 risk-based capital ratio | 11.5516% | 6,035 |
| Total risk-based capital ratio | 12.4052% | 6,183 |
| Memoranda: | ||
| Average total assets | $178,369,500 | 3,319 |
| Average earning assets | $164,681,000 | 3,310 |
| Average equity | $15,486,250 | 3,829 |
| Average total loans | $111,751,500 | 3,233 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 2,652 |
| Cost of funding earning assets | 0.6881% | 2,156 |
| Net interest margin | 3.6878% | 2,999 |
| Noninterest income to average assets | 0.3789% | 4,678 |
| Noninterest expense to average assets | 2.5623% | 4,512 |
| Loan and lease loss provision to assets | 0.3383% | 1,003 |
| Net operating income to assets | 0.8436% | 3,080 |
| Return on assets (ROA) | 0.8436% | 3,229 |
| Pretax return on assets | 0.8571% | 4,087 |
| Return on Equity (ROE) | 9.6142% | 2,363 |
| Retained earnings to average equity (ytd only) | 7.0436% | 1,872 |
| Net charge-offs to loans | 0.4991% | 1,308 |
| Credit loss provision to net charge-offs | 109.8901% | 2,013 |
| Earnings coverage of net charge-offs (x) | 3.8828% | 3,277 |
| Efficiency ratio | 68.1873% | 4,149 |
| Assets per employee ($millions) | 3.3966% | 5,069 |
| Cash dividends to net income (ytd only)* | 26.7380% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 3,805 |
| Loan loss allowance to noncurrent loans | 59.2395% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.3831% | 1,795 |
| Noncurrent loans to loans | 2.4505% | 1,913 |
| Net loans and leases to total assets | 64.0739% | 2,901 |
| Net loans and leases to deposits | 70.4044% | 3,666 |
| Net loans and leases to core deposits | 76.2095% | 3,523 |
| Total domestic deposits to total assets | 91.0084% | 536 |
| Equity capital to assets | 8.6241% | 5,643 |
| Core capital (leverage) ratio | 8.6005% | 5,558 |
| Tier 1 risk-based capital ratio | 11.8159% | 5,905 |
| Total risk-based capital ratio | 13.0666% | 5,853 |
| Memoranda: | ||
| Average total assets | $177,340,330 | 3,344 |
| Average earning assets | $162,480,330 | 3,353 |
| Average equity | $15,560,330 | 3,840 |
| Average total loans | $109,389,000 | 3,285 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 2,705 |
| Cost of funding earning assets | 0.6704% | 2,477 |
| Net interest margin | 3.6760% | 2,967 |
| Noninterest income to average assets | 0.3624% | 4,762 |
| Noninterest expense to average assets | 2.5751% | 4,489 |
| Loan and lease loss provision to assets | 0.3376% | 992 |
| Net operating income to assets | 0.8059% | 3,127 |
| Return on assets (ROA) | 0.8059% | 3,262 |
| Pretax return on assets | 0.8194% | 4,092 |
| Return on Equity (ROE) | 9.1068% | 2,438 |
| Retained earnings to average equity (ytd only) | 6.5630% | 2,384 |
| Net charge-offs to loans | 0.1050% | 2,821 |
| Credit loss provision to net charge-offs | 535.7143% | 502 |
| Earnings coverage of net charge-offs (x) | 18.3571% | 1,268 |
| Efficiency ratio | 68.9988% | 4,147 |
| Assets per employee ($millions) | 3.4322% | 5,132 |
| Cash dividends to net income (ytd only)* | 27.9330% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 3,231 |
| Loan loss allowance to noncurrent loans | 102.8605% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 1.7577% | 2,655 |
| Noncurrent loans to loans | 1.5949% | 3,145 |
| Net loans and leases to total assets | 59.1929% | 3,573 |
| Net loans and leases to deposits | 65.2136% | 4,163 |
| Net loans and leases to core deposits | 70.1590% | 4,058 |
| Total domestic deposits to total assets | 90.7678% | 634 |
| Equity capital to assets | 8.8360% | 5,678 |
| Core capital (leverage) ratio | 8.3805% | 5,737 |
| Tier 1 risk-based capital ratio | 12.0957% | 5,856 |
| Total risk-based capital ratio | 13.3480% | 5,802 |
| Memoranda: | ||
| Average total assets | $177,700,000 | 3,374 |
| Average earning assets | $162,895,500 | 3,391 |
| Average equity | $15,724,500 | 3,869 |
| Average total loans | $106,666,000 | 3,368 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 2,089 |
| Cost of funding earning assets | 0.8616% | 2,205 |
| Net interest margin | 3.9693% | 2,528 |
| Noninterest income to average assets | 0.3163% | 5,193 |
| Noninterest expense to average assets | 2.5238% | 5,016 |
| Loan and lease loss provision to assets | 0.4213% | 1,511 |
| Net operating income to assets | 0.9293% | 2,652 |
| Return on assets (ROA) | 0.9293% | 2,901 |
| Pretax return on assets | 0.9388% | 3,783 |
| Return on Equity (ROE) | 10.4151% | 1,996 |
| Retained earnings to average equity (ytd only) | 7.4555% | 1,356 |
| Net charge-offs to loans | 0.8723% | 1,313 |
| Credit loss provision to net charge-offs | 78.0220% | 3,892 |
| Earnings coverage of net charge-offs (x) | 2.5187% | 4,160 |
| Efficiency ratio | 64.9809% | 4,710 |
| Assets per employee ($millions) | 3.5385% | 4,930 |
| Cash dividends to net income (ytd only)* | 28.4163% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,529 |
| Loan loss allowance to noncurrent loans | 114.6853% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.5560% | 3,051 |
| Noncurrent loans to loans | 1.3500% | 3,580 |
| Net loans and leases to total assets | 58.9433% | 3,808 |
| Net loans and leases to deposits | 64.9005% | 4,441 |
| Net loans and leases to core deposits | 71.7561% | 4,073 |
| Total domestic deposits to total assets | 90.8210% | 553 |
| Equity capital to assets | 8.8619% | 5,672 |
| Core capital (leverage) ratio | 8.4017% | 5,755 |
| Tier 1 risk-based capital ratio | 12.5373% | 5,443 |
| Total risk-based capital ratio | 13.7894% | 5,400 |
| Memoranda: | ||
| Average total assets | $168,515,800 | 3,480 |
| Average earning assets | $151,461,800 | 3,520 |
| Average equity | $15,035,800 | 3,961 |
| Average total loans | $104,324,600 | 3,416 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 2,116 |
| Cost of funding earning assets | 0.9118% | 2,095 |
| Net interest margin | 3.9610% | 2,662 |
| Noninterest income to average assets | 0.4046% | 4,601 |
| Noninterest expense to average assets | 2.5598% | 4,881 |
| Loan and lease loss provision to assets | 0.4487% | 1,402 |
| Net operating income to assets | 0.9318% | 2,828 |
| Return on assets (ROA) | 0.9318% | 3,052 |
| Pretax return on assets | 0.9462% | 3,932 |
| Return on Equity (ROE) | 10.4244% | 2,165 |
| Retained earnings to average equity (ytd only) | 7.6906% | 1,762 |
| Net charge-offs to loans | 1.0546% | 997 |
| Credit loss provision to net charge-offs | 68.1265% | 3,955 |
| Earnings coverage of net charge-offs (x) | 2.1180% | 4,209 |
| Efficiency ratio | 64.7285% | 4,673 |
| Assets per employee ($millions) | 3.4219% | 5,156 |
| Cash dividends to net income (ytd only)* | 26.2255% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5097% | 3,910 |
| Loan loss allowance to noncurrent loans | 100.1905% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 2.0883% | 2,547 |
| Noncurrent loans to loans | 1.5068% | 3,527 |
| Net loans and leases to total assets | 60.1700% | 3,748 |
| Net loans and leases to deposits | 66.4964% | 4,409 |
| Net loans and leases to core deposits | 74.8753% | 3,868 |
| Total domestic deposits to total assets | 90.4861% | 603 |
| Equity capital to assets | 9.0925% | 5,722 |
| Core capital (leverage) ratio | 8.2983% | 6,014 |
| Tier 1 risk-based capital ratio | 12.4144% | 5,695 |
| Total risk-based capital ratio | 13.6655% | 5,664 |
| Memoranda: | ||
| Average total assets | $166,413,250 | 3,547 |
| Average earning assets | $149,150,250 | 3,603 |
| Average equity | $14,875,000 | 4,030 |
| Average total loans | $103,924,250 | 3,462 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 2,036 |
| Cost of funding earning assets | 0.9465% | 2,086 |
| Net interest margin | 3.9709% | 2,631 |
| Noninterest income to average assets | 0.3834% | 4,767 |
| Noninterest expense to average assets | 2.5647% | 4,906 |
| Loan and lease loss provision to assets | 0.4974% | 1,277 |
| Net operating income to assets | 0.8492% | 3,149 |
| Return on assets (ROA) | 0.8492% | 3,422 |
| Pretax return on assets | 0.8638% | 4,217 |
| Return on Equity (ROE) | 9.5578% | 2,553 |
| Retained earnings to average equity (ytd only) | 6.8270% | 2,203 |
| Net charge-offs to loans | 0.2642% | 2,998 |
| Credit loss provision to net charge-offs | 299.2701% | 981 |
| Earnings coverage of net charge-offs (x) | 8.1898% | 2,351 |
| Efficiency ratio | 65.3276% | 4,664 |
| Assets per employee ($millions) | 3.3586% | 5,305 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0335% | 2,143 |
| Loan loss allowance to noncurrent loans | 95.4381% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 2.5776% | 2,159 |
| Noncurrent loans to loans | 2.1307% | 2,789 |
| Net loans and leases to total assets | 61.8551% | 3,468 |
| Net loans and leases to deposits | 68.3748% | 4,138 |
| Net loans and leases to core deposits | 75.4529% | 3,825 |
| Total domestic deposits to total assets | 90.4648% | 688 |
| Equity capital to assets | 9.0800% | 5,601 |
| Core capital (leverage) ratio | 8.4934% | 5,657 |
| Tier 1 risk-based capital ratio | 12.3178% | 5,711 |
| Total risk-based capital ratio | 13.5751% | 5,674 |
| Memoranda: | ||
| Average total assets | $164,852,000 | 3,589 |
| Average earning assets | $147,069,330 | 3,655 |
| Average equity | $14,647,670 | 4,063 |
| Average total loans | $103,723,330 | 3,481 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9657% | 2,016 |
| Cost of funding earning assets | 0.9643% | 2,203 |
| Net interest margin | 4.0013% | 2,502 |
| Noninterest income to average assets | 0.3127% | 5,382 |
| Noninterest expense to average assets | 2.4995% | 5,153 |
| Loan and lease loss provision to assets | 0.6303% | 884 |
| Net operating income to assets | 0.7394% | 3,683 |
| Return on assets (ROA) | 0.7394% | 3,921 |
| Pretax return on assets | 0.7540% | 4,592 |
| Return on Equity (ROE) | 8.4138% | 3,097 |
| Retained earnings to average equity (ytd only) | 5.6552% | 3,167 |
| Net charge-offs to loans | 0.3821% | 2,160 |
| Credit loss provision to net charge-offs | 262.6263% | 1,106 |
| Earnings coverage of net charge-offs (x) | 5.7677% | 2,303 |
| Efficiency ratio | 64.3571% | 4,859 |
| Assets per employee ($millions) | 3.4603% | 5,204 |
| Cash dividends to net income (ytd only)* | 32.7869% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9699% | 2,450 |
| Loan loss allowance to noncurrent loans | 242.5455% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 1.5937% | 3,459 |
| Noncurrent loans to loans | 0.8122% | 5,051 |
| Net loans and leases to total assets | 59.9541% | 3,679 |
| Net loans and leases to deposits | 66.0842% | 4,365 |
| Net loans and leases to core deposits | 72.2514% | 4,113 |
| Total domestic deposits to total assets | 90.7238% | 677 |
| Equity capital to assets | 8.7921% | 5,757 |
| Core capital (leverage) ratio | 8.1863% | 6,045 |
| Tier 1 risk-based capital ratio | 12.1990% | 5,820 |
| Total risk-based capital ratio | 13.4561% | 5,795 |
| Memoranda: | ||
| Average total assets | $164,993,000 | 3,601 |
| Average earning assets | $147,250,500 | 3,677 |
| Average equity | $14,500,000 | 4,099 |
| Average total loans | $103,631,000 | 3,510 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2943% | 1,721 |
| Cost of funding earning assets | 1.0714% | 2,870 |
| Net interest margin | 4.2229% | 1,983 |
| Noninterest income to average assets | 0.3847% | 4,749 |
| Noninterest expense to average assets | 2.6577% | 4,896 |
| Loan and lease loss provision to assets | 0.5113% | 2,054 |
| Net operating income to assets | 0.9722% | 2,312 |
| Return on assets (ROA) | 0.9722% | 2,448 |
| Pretax return on assets | 0.9915% | 3,275 |
| Return on Equity (ROE) | 10.8642% | 1,741 |
| Retained earnings to average equity (ytd only) | 6.0669% | 1,983 |
| Net charge-offs to loans | 0.1190% | 5,193 |
| Credit loss provision to net charge-offs | 643.9024% | 349 |
| Earnings coverage of net charge-offs (x) | 18.9268% | 1,190 |
| Efficiency ratio | 63.8790% | 5,146 |
| Assets per employee ($millions) | 3.5629% | 4,861 |
| Cash dividends to net income (ytd only)* | 44.1567% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 3,057 |
| Loan loss allowance to noncurrent loans | 161.9718% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 1.7835% | 3,275 |
| Noncurrent loans to loans | 1.0749% | 4,559 |
| Net loans and leases to total assets | 63.3592% | 3,319 |
| Net loans and leases to deposits | 69.7713% | 4,145 |
| Net loans and leases to core deposits | 78.4145% | 3,635 |
| Total domestic deposits to total assets | 90.8099% | 584 |
| Equity capital to assets | 8.7843% | 5,812 |
| Core capital (leverage) ratio | 8.4321% | 5,664 |
| Tier 1 risk-based capital ratio | 11.6158% | 6,076 |
| Total risk-based capital ratio | 12.8699% | 6,062 |
| Memoranda: | ||
| Average total assets | $154,909,400 | 3,719 |
| Average earning assets | $138,506,200 | 3,775 |
| Average equity | $13,862,000 | 4,142 |
| Average total loans | $103,369,600 | 3,537 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 1,871 |
| Cost of funding earning assets | 1.1043% | 2,949 |
| Net interest margin | 4.1923% | 2,133 |
| Noninterest income to average assets | 0.4253% | 4,476 |
| Noninterest expense to average assets | 2.7432% | 4,566 |
| Loan and lease loss provision to assets | 0.2707% | 3,337 |
| Net operating income to assets | 1.1633% | 1,769 |
| Return on assets (ROA) | 1.1633% | 1,882 |
| Pretax return on assets | 1.1712% | 2,734 |
| Return on Equity (ROE) | 12.9365% | 1,294 |
| Retained earnings to average equity (ytd only) | 9.8286% | 890 |
| Net charge-offs to loans | 0.0973% | 5,012 |
| Credit loss provision to net charge-offs | 413.3333% | 691 |
| Earnings coverage of net charge-offs (x) | 22.0128% | 1,165 |
| Efficiency ratio | 65.5467% | 4,796 |
| Assets per employee ($millions) | 3.4062% | 5,234 |
| Cash dividends to net income (ytd only)* | 24.0242% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 4,832 |
| Loan loss allowance to noncurrent loans | 150.0534% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.8559% | 3,322 |
| Noncurrent loans to loans | 0.8914% | 5,078 |
| Net loans and leases to total assets | 66.1899% | 2,856 |
| Net loans and leases to deposits | 73.3308% | 3,757 |
| Net loans and leases to core deposits | 83.2732% | 3,149 |
| Total domestic deposits to total assets | 90.2621% | 738 |
| Equity capital to assets | 9.2841% | 5,406 |
| Core capital (leverage) ratio | 8.8204% | 5,230 |
| Tier 1 risk-based capital ratio | 11.5737% | 6,195 |
| Total risk-based capital ratio | 12.7692% | 6,221 |
| Memoranda: | ||
| Average total assets | $152,663,250 | 3,782 |
| Average earning assets | $136,914,500 | 3,819 |
| Average equity | $13,728,250 | 4,180 |
| Average total loans | $102,791,500 | 3,576 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2453% | 2,078 |
| Cost of funding earning assets | 1.1438% | 2,939 |
| Net interest margin | 4.1015% | 2,405 |
| Noninterest income to average assets | 0.3939% | 4,730 |
| Noninterest expense to average assets | 2.7015% | 4,820 |
| Loan and lease loss provision to assets | 0.2709% | 3,226 |
| Net operating income to assets | 1.0864% | 1,911 |
| Return on assets (ROA) | 1.0864% | 2,005 |
| Pretax return on assets | 1.0944% | 2,874 |
| Return on Equity (ROE) | 12.2182% | 1,431 |
| Retained earnings to average equity (ytd only) | 9.2454% | 1,038 |
| Net charge-offs to loans | 0.1608% | 4,213 |
| Credit loss provision to net charge-offs | 250.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 12.5976% | 1,617 |
| Efficiency ratio | 66.4283% | 4,792 |
| Assets per employee ($millions) | 3.2398% | 5,546 |
| Cash dividends to net income (ytd only)* | 24.3309% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 5,286 |
| Loan loss allowance to noncurrent loans | 113.3100% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 2.0888% | 3,128 |
| Noncurrent loans to loans | 1.1065% | 4,819 |
| Net loans and leases to total assets | 68.3844% | 2,543 |
| Net loans and leases to deposits | 75.8616% | 3,506 |
| Net loans and leases to core deposits | 83.7578% | 3,247 |
| Total domestic deposits to total assets | 90.1437% | 901 |
| Equity capital to assets | 9.3571% | 5,059 |
| Core capital (leverage) ratio | 8.6126% | 5,377 |
| Tier 1 risk-based capital ratio | 11.5862% | 6,102 |
| Total risk-based capital ratio | 12.7202% | 6,177 |
| Memoranda: | ||
| Average total assets | $151,322,000 | 3,825 |
| Average earning assets | $135,513,000 | 3,872 |
| Average equity | $13,455,330 | 4,236 |
| Average total loans | $102,016,330 | 3,630 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1026% | 2,636 |
| Cost of funding earning assets | 1.2056% | 2,778 |
| Net interest margin | 3.8970% | 3,154 |
| Noninterest income to average assets | 0.3647% | 4,996 |
| Noninterest expense to average assets | 2.6261% | 5,127 |
| Loan and lease loss provision to assets | 0.2624% | 3,038 |
| Net operating income to assets | 0.9366% | 2,417 |
| Return on assets (ROA) | 0.9366% | 2,479 |
| Pretax return on assets | 0.9445% | 3,340 |
| Return on Equity (ROE) | 10.8096% | 1,802 |
| Retained earnings to average equity (ytd only) | 7.7817% | 1,818 |
| Net charge-offs to loans | -0.1341% | 7,168 |
| Credit loss provision to net charge-offs | -294.1176% | 5,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5147% | 4,557 |
| Assets per employee ($millions) | 3.2338% | 5,632 |
| Cash dividends to net income (ytd only)* | 28.0112% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 5,099 |
| Loan loss allowance to noncurrent loans | 79.9143% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 2.1761% | 3,095 |
| Noncurrent loans to loans | 1.6345% | 4,029 |
| Net loans and leases to total assets | 66.2868% | 2,935 |
| Net loans and leases to deposits | 73.2616% | 3,880 |
| Net loans and leases to core deposits | 79.6963% | 3,797 |
| Total domestic deposits to total assets | 90.4796% | 850 |
| Equity capital to assets | 8.9906% | 5,212 |
| Core capital (leverage) ratio | 8.3835% | 5,657 |
| Tier 1 risk-based capital ratio | 11.5376% | 6,071 |
| Total risk-based capital ratio | 12.7086% | 6,121 |
| Memoranda: | ||
| Average total assets | $152,467,500 | 3,837 |
| Average earning assets | $135,695,000 | 3,905 |
| Average equity | $13,210,500 | 4,291 |
| Average total loans | $101,420,500 | 3,686 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4948% | 2,310 |
| Cost of funding earning assets | 1.5492% | 2,353 |
| Net interest margin | 3.9456% | 3,277 |
| Noninterest income to average assets | 0.4780% | 4,328 |
| Noninterest expense to average assets | 2.7427% | 4,806 |
| Loan and lease loss provision to assets | 0.6587% | 2,503 |
| Net operating income to assets | 0.5670% | 3,815 |
| Return on assets (ROA) | 0.5670% | 3,972 |
| Pretax return on assets | 0.5744% | 4,405 |
| Return on Equity (ROE) | 6.5793% | 3,310 |
| Retained earnings to average equity (ytd only) | 4.5218% | 2,708 |
| Net charge-offs to loans | 1.1425% | 1,950 |
| Credit loss provision to net charge-offs | 81.8258% | 5,494 |
| Earnings coverage of net charge-offs (x) | 1.5318% | 4,598 |
| Efficiency ratio | 68.9842% | 4,378 |
| Assets per employee ($millions) | 3.3952% | 5,182 |
| Cash dividends to net income (ytd only)* | 31.2723% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 5,790 |
| Loan loss allowance to noncurrent loans | 107.6287% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 1.7237% | 3,718 |
| Noncurrent loans to loans | 1.0570% | 4,956 |
| Net loans and leases to total assets | 65.1556% | 3,635 |
| Net loans and leases to deposits | 71.4521% | 4,616 |
| Net loans and leases to core deposits | 80.2233% | 4,176 |
| Total domestic deposits to total assets | 91.1877% | 511 |
| Equity capital to assets | 8.3538% | 6,070 |
| Core capital (leverage) ratio | 7.9761% | 6,234 |
| Tier 1 risk-based capital ratio | 10.8940% | 6,418 |
| Total risk-based capital ratio | 11.9065% | 6,564 |
| Memoranda: | ||
| Average total assets | $148,320,200 | 3,902 |
| Average earning assets | $131,486,800 | 3,985 |
| Average equity | $12,782,600 | 4,398 |
| Average total loans | $104,509,600 | 3,665 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5932% | 2,091 |
| Cost of funding earning assets | 1.6189% | 2,285 |
| Net interest margin | 3.9743% | 3,215 |
| Noninterest income to average assets | 0.4710% | 4,406 |
| Noninterest expense to average assets | 2.8214% | 4,397 |
| Loan and lease loss provision to assets | 0.8081% | 1,877 |
| Net operating income to assets | 0.3535% | 4,952 |
| Return on assets (ROA) | 0.3535% | 5,127 |
| Pretax return on assets | 0.3617% | 5,343 |
| Return on Equity (ROE) | 4.0681% | 4,747 |
| Retained earnings to average equity (ytd only) | 1.7824% | 5,080 |
| Net charge-offs to loans | 1.3307% | 1,529 |
| Credit loss provision to net charge-offs | 84.7182% | 4,975 |
| Earnings coverage of net charge-offs (x) | 1.2264% | 4,834 |
| Efficiency ratio | 70.6916% | 3,941 |
| Assets per employee ($millions) | 3.2235% | 5,623 |
| Cash dividends to net income (ytd only)* | 56.1857% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 5,608 |
| Loan loss allowance to noncurrent loans | 117.7373% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 1.7851% | 3,769 |
| Noncurrent loans to loans | 0.9995% | 5,235 |
| Net loans and leases to total assets | 69.5481% | 2,840 |
| Net loans and leases to deposits | 76.5885% | 4,073 |
| Net loans and leases to core deposits | 86.6862% | 3,561 |
| Total domestic deposits to total assets | 90.8074% | 518 |
| Equity capital to assets | 8.6564% | 6,089 |
| Core capital (leverage) ratio | 8.1306% | 6,148 |
| Tier 1 risk-based capital ratio | 10.6263% | 6,688 |
| Total risk-based capital ratio | 11.6967% | 6,805 |
| Memoranda: | ||
| Average total assets | $146,355,250 | 3,995 |
| Average earning assets | $129,631,250 | 4,078 |
| Average equity | $12,716,500 | 4,494 |
| Average total loans | $104,904,250 | 3,708 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8014% | 1,423 |
| Cost of funding earning assets | 1.6908% | 2,162 |
| Net interest margin | 4.1106% | 2,507 |
| Noninterest income to average assets | 0.4584% | 4,450 |
| Noninterest expense to average assets | 2.8645% | 4,209 |
| Loan and lease loss provision to assets | 0.2471% | 4,458 |
| Net operating income to assets | 0.9759% | 2,277 |
| Return on assets (ROA) | 0.9759% | 2,358 |
| Pretax return on assets | 0.9841% | 3,182 |
| Return on Equity (ROE) | 11.2175% | 1,681 |
| Retained earnings to average equity (ytd only) | 8.4091% | 1,292 |
| Net charge-offs to loans | 0.0837% | 5,301 |
| Credit loss provision to net charge-offs | 409.0909% | 887 |
| Earnings coverage of net charge-offs (x) | 20.3864% | 1,219 |
| Efficiency ratio | 69.9397% | 4,202 |
| Assets per employee ($millions) | 3.1382% | 5,826 |
| Cash dividends to net income (ytd only)* | 25.0352% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 4,294 |
| Loan loss allowance to noncurrent loans | 46.2940% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 2.6580% | 2,712 |
| Noncurrent loans to loans | 3.0860% | 2,605 |
| Net loans and leases to total assets | 72.8414% | 2,202 |
| Net loans and leases to deposits | 80.4626% | 3,522 |
| Net loans and leases to core deposits | 87.6967% | 3,585 |
| Total domestic deposits to total assets | 90.5283% | 675 |
| Equity capital to assets | 8.9390% | 5,542 |
| Core capital (leverage) ratio | 8.3698% | 5,632 |
| Tier 1 risk-based capital ratio | 10.8391% | 6,412 |
| Total risk-based capital ratio | 12.0902% | 6,403 |
| Memoranda: | ||
| Average total assets | $145,712,670 | 4,036 |
| Average earning assets | $128,933,670 | 4,111 |
| Average equity | $12,676,670 | 4,503 |
| Average total loans | $105,087,000 | 3,739 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7152% | 1,718 |
| Cost of funding earning assets | 1.7607% | 2,067 |
| Net interest margin | 3.9545% | 3,077 |
| Noninterest income to average assets | 0.4563% | 4,412 |
| Noninterest expense to average assets | 2.8116% | 4,445 |
| Loan and lease loss provision to assets | 0.2459% | 4,078 |
| Net operating income to assets | 0.8826% | 2,623 |
| Return on assets (ROA) | 0.8826% | 2,696 |
| Pretax return on assets | 0.8908% | 3,503 |
| Return on Equity (ROE) | 10.2842% | 2,011 |
| Retained earnings to average equity (ytd only) | 7.7370% | 1,821 |
| Net charge-offs to loans | 0.1994% | 3,714 |
| Credit loss provision to net charge-offs | 173.0769% | 2,098 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,001 |
| Efficiency ratio | 71.2111% | 4,083 |
| Assets per employee ($millions) | 3.1607% | 5,858 |
| Cash dividends to net income (ytd only)* | 24.7678% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 4,600 |
| Loan loss allowance to noncurrent loans | 47.9167% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.4217% | 3,006 |
| Noncurrent loans to loans | 2.8475% | 2,824 |
| Net loans and leases to total assets | 70.9016% | 2,720 |
| Net loans and leases to deposits | 78.1481% | 4,014 |
| Net loans and leases to core deposits | 85.5620% | 3,963 |
| Total domestic deposits to total assets | 90.7272% | 645 |
| Equity capital to assets | 8.6978% | 5,733 |
| Core capital (leverage) ratio | 8.4327% | 5,494 |
| Tier 1 risk-based capital ratio | 10.6849% | 6,458 |
| Total risk-based capital ratio | 11.9272% | 6,452 |
| Memoranda: | ||
| Average total assets | $146,391,000 | 4,084 |
| Average earning assets | $129,269,500 | 4,164 |
| Average equity | $12,563,000 | 4,571 |
| Average total loans | $104,293,000 | 3,817 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8369% | 2,495 |
| Cost of funding earning assets | 2.1438% | 2,258 |
| Net interest margin | 3.6931% | 4,175 |
| Noninterest income to average assets | 0.4894% | 4,492 |
| Noninterest expense to average assets | 2.8580% | 4,710 |
| Loan and lease loss provision to assets | 0.1894% | 5,827 |
| Net operating income to assets | 0.7087% | 2,896 |
| Return on assets (ROA) | 0.7087% | 2,962 |
| Pretax return on assets | 0.7131% | 3,527 |
| Return on Equity (ROE) | 7.9493% | 2,392 |
| Retained earnings to average equity (ytd only) | 4.0605% | 2,378 |
| Net charge-offs to loans | 0.3110% | 4,688 |
| Credit loss provision to net charge-offs | 86.6667% | 6,110 |
| Earnings coverage of net charge-offs (x) | 4.1300% | 3,045 |
| Efficiency ratio | 76.0023% | 3,527 |
| Assets per employee ($millions) | 3.1359% | 5,898 |
| Cash dividends to net income (ytd only)* | 48.9209% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 4,574 |
| Loan loss allowance to noncurrent loans | 48.3792% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 2.2933% | 3,016 |
| Noncurrent loans to loans | 2.7567% | 2,803 |
| Net loans and leases to total assets | 69.6701% | 3,325 |
| Net loans and leases to deposits | 76.5856% | 4,644 |
| Net loans and leases to core deposits | 105.3319% | 3,415 |
| Total domestic deposits to total assets | 90.9702% | 544 |
| Equity capital to assets | 8.4674% | 5,936 |
| Core capital (leverage) ratio | 8.1524% | 5,902 |
| Tier 1 risk-based capital ratio | 10.4407% | 6,456 |
| Total risk-based capital ratio | 11.6462% | 6,472 |
| Memoranda: | ||
| Average total assets | $137,297,200 | 4,184 |
| Average earning assets | $121,605,600 | 4,275 |
| Average equity | $12,240,000 | 4,697 |
| Average total loans | $96,449,600 | 4,051 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8263% | 2,775 |
| Cost of funding earning assets | 2.1801% | 2,500 |
| Net interest margin | 3.6462% | 4,292 |
| Noninterest income to average assets | 0.7242% | 2,856 |
| Noninterest expense to average assets | 2.8818% | 4,530 |
| Loan and lease loss provision to assets | 0.1781% | 5,578 |
| Net operating income to assets | 0.8894% | 2,454 |
| Return on assets (ROA) | 0.8894% | 2,532 |
| Pretax return on assets | 0.9022% | 3,221 |
| Return on Equity (ROE) | 9.8411% | 1,979 |
| Retained earnings to average equity (ytd only) | 4.9479% | 2,514 |
| Net charge-offs to loans | 0.4400% | 3,484 |
| Credit loss provision to net charge-offs | 57.6923% | 6,205 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 3,507 |
| Efficiency ratio | 72.7341% | 4,093 |
| Assets per employee ($millions) | 3.0172% | 6,117 |
| Cash dividends to net income (ytd only)* | 49.7222% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 4,698 |
| Loan loss allowance to noncurrent loans | 44.5055% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.6127% | 2,665 |
| Noncurrent loans to loans | 2.8515% | 2,666 |
| Net loans and leases to total assets | 71.0994% | 3,247 |
| Net loans and leases to deposits | 78.5402% | 4,652 |
| Net loans and leases to core deposits | 109.2598% | 3,317 |
| Total domestic deposits to total assets | 90.5261% | 579 |
| Equity capital to assets | 8.8562% | 5,699 |
| Core capital (leverage) ratio | 8.5989% | 5,304 |
| Tier 1 risk-based capital ratio | 10.5734% | 6,384 |
| Total risk-based capital ratio | 11.7177% | 6,459 |
| Memoranda: | ||
| Average total assets | $134,774,250 | 4,259 |
| Average earning assets | $119,684,500 | 4,353 |
| Average equity | $12,180,000 | 4,750 |
| Average total loans | $94,543,500 | 4,131 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8976% | 2,590 |
| Cost of funding earning assets | 2.2223% | 2,694 |
| Net interest margin | 3.6753% | 4,062 |
| Noninterest income to average assets | 0.7687% | 2,597 |
| Noninterest expense to average assets | 2.9269% | 4,401 |
| Loan and lease loss provision to assets | 0.1812% | 5,232 |
| Net operating income to assets | 0.8926% | 2,482 |
| Return on assets (ROA) | 0.8926% | 2,595 |
| Pretax return on assets | 0.9077% | 3,310 |
| Return on Equity (ROE) | 9.8061% | 2,089 |
| Retained earnings to average equity (ytd only) | 4.1149% | 3,001 |
| Net charge-offs to loans | 0.2695% | 3,840 |
| Credit loss provision to net charge-offs | 96.7742% | 4,712 |
| Earnings coverage of net charge-offs (x) | 5.8145% | 2,752 |
| Efficiency ratio | 72.8845% | 4,233 |
| Assets per employee ($millions) | 2.9228% | 6,329 |
| Cash dividends to net income (ytd only)* | 58.0372% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 3,394 |
| Loan loss allowance to noncurrent loans | 60.9068% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 2.2792% | 2,860 |
| Noncurrent loans to loans | 2.4037% | 3,008 |
| Net loans and leases to total assets | 69.7687% | 3,760 |
| Net loans and leases to deposits | 77.1550% | 5,006 |
| Net loans and leases to core deposits | 104.7328% | 3,985 |
| Total domestic deposits to total assets | 90.4267% | 660 |
| Equity capital to assets | 8.7966% | 5,601 |
| Core capital (leverage) ratio | 8.6267% | 5,217 |
| Tier 1 risk-based capital ratio | 10.7950% | 6,088 |
| Total risk-based capital ratio | 12.0456% | 6,026 |
| Memoranda: | ||
| Average total assets | $132,429,000 | 4,339 |
| Average earning assets | $116,996,670 | 4,443 |
| Average equity | $12,053,670 | 4,801 |
| Average total loans | $92,017,330 | 4,229 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9145% | 2,731 |
| Cost of funding earning assets | 2.1946% | 3,194 |
| Net interest margin | 3.7200% | 3,807 |
| Noninterest income to average assets | 0.6587% | 3,147 |
| Noninterest expense to average assets | 2.9486% | 3,982 |
| Loan and lease loss provision to assets | 0.1847% | 4,594 |
| Net operating income to assets | 0.8095% | 3,092 |
| Return on assets (ROA) | 0.8095% | 3,251 |
| Pretax return on assets | 0.8280% | 3,982 |
| Return on Equity (ROE) | 8.7386% | 2,824 |
| Retained earnings to average equity (ytd only) | 1.3291% | 5,106 |
| Net charge-offs to loans | 0.5504% | 2,080 |
| Credit loss provision to net charge-offs | 48.7805% | 4,704 |
| Earnings coverage of net charge-offs (x) | 2.6748% | 3,420 |
| Efficiency ratio | 74.4367% | 3,744 |
| Assets per employee ($millions) | 2.8594% | 6,506 |
| Cash dividends to net income (ytd only)* | 84.7909% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 3,152 |
| Loan loss allowance to noncurrent loans | 298.0349% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 4,868 |
| Noncurrent loans to loans | 0.4926% | 6,195 |
| Net loans and leases to total assets | 68.1623% | 4,094 |
| Net loans and leases to deposits | 75.4487% | 5,297 |
| Net loans and leases to core deposits | 104.5349% | 4,075 |
| Total domestic deposits to total assets | 90.3426% | 659 |
| Equity capital to assets | 8.9848% | 5,371 |
| Core capital (leverage) ratio | 8.8462% | 4,916 |
| Tier 1 risk-based capital ratio | 11.1254% | 5,791 |
| Total risk-based capital ratio | 12.3765% | 5,705 |
| Memoranda: | ||
| Average total assets | $129,958,000 | 4,408 |
| Average earning assets | $115,376,500 | 4,494 |
| Average equity | $12,038,500 | 4,823 |
| Average total loans | $89,393,000 | 4,329 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4255% | 3,296 |
| Cost of funding earning assets | 2.5865% | 3,750 |
| Net interest margin | 3.8390% | 3,841 |
| Noninterest income to average assets | 0.5938% | 3,880 |
| Noninterest expense to average assets | 2.9472% | 4,269 |
| Loan and lease loss provision to assets | 0.1166% | 5,885 |
| Net operating income to assets | 0.9780% | 2,646 |
| Return on assets (ROA) | 1.0060% | 2,417 |
| Pretax return on assets | 1.0118% | 3,336 |
| Return on Equity (ROE) | 10.7024% | 2,011 |
| Retained earnings to average equity (ytd only) | 6.0068% | 1,532 |
| Net charge-offs to loans | 0.0182% | 6,613 |
| Credit loss provision to net charge-offs | 933.3333% | 477 |
| Earnings coverage of net charge-offs (x) | 88.0667% | 477 |
| Efficiency ratio | 72.8189% | 3,792 |
| Assets per employee ($millions) | 2.6707% | 6,848 |
| Cash dividends to net income (ytd only)* | 43.8742% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 2,019 |
| Loan loss allowance to noncurrent loans | 3,320.9302% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 5,401 |
| Noncurrent loans to loans | 0.0501% | 7,310 |
| Net loans and leases to total assets | 67.2289% | 4,595 |
| Net loans and leases to deposits | 74.8988% | 5,746 |
| Net loans and leases to core deposits | 98.9621% | 4,934 |
| Total domestic deposits to total assets | 89.7596% | 741 |
| Equity capital to assets | 9.5617% | 4,596 |
| Core capital (leverage) ratio | 9.3745% | 4,202 |
| Tier 1 risk-based capital ratio | 11.9938% | 4,835 |
| Total risk-based capital ratio | 13.2469% | 4,712 |
| Memoranda: | ||
| Average total assets | $120,081,400 | 4,519 |
| Average earning assets | $108,022,800 | 4,562 |
| Average equity | $11,287,200 | 5,043 |
| Average total loans | $82,583,000 | 4,434 |