Home > Independence Bank > Performance and Condition Ratios
Independence 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 | 5.4696% | 1,207 |
| Cost of funding earning assets | 2.1075% | 769 |
| Net interest margin | 3.3621% | 2,487 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.1369% | 3,305 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.8709% | 2,631 |
| Return on assets (ROA) | 0.7221% | 3,105 |
| Pretax return on assets | 1.0127% | 2,644 |
| Return on Equity (ROE) | 5.2100% | 3,690 |
| Retained earnings to average equity (ytd only) | 3.3731% | 3,175 |
| Net charge-offs to loans | 0.2783% | 385 |
| Credit loss provision to net charge-offs | -24.2038% | 4,438 |
| Earnings coverage of net charge-offs (x) | 6.6815% | 2,456 |
| Efficiency ratio | 64.8341% | 2,502 |
| Assets per employee ($millions) | 8.9170% | 1,014 |
| Cash dividends to net income (ytd only)* | 35.2716% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5244% | 78 |
| Loan loss allowance to noncurrent loans | 2,688.3562% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 2,993 |
| Noncurrent loans to loans | 0.1311% | 2,857 |
| Net loans and leases to total assets | 60.2400% | 2,824 |
| Net loans and leases to deposits | 70.8217% | 2,829 |
| Net loans and leases to core deposits | 118.2439% | 682 |
| Total domestic deposits to total assets | 85.0700% | 2,287 |
| Equity capital to assets | 14.3810% | 619 |
| Core capital (leverage) ratio | 14.7505% | 662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $181,007,800 | 3,119 |
| Average earning assets | $170,580,000 | 3,087 |
| Average equity | $25,080,600 | 2,513 |
| Average total loans | $112,833,200 | 3,020 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 1,074 |
| Cost of funding earning assets | 1.9500% | 781 |
| Net interest margin | 3.4985% | 2,210 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.0182% | 3,548 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 1.0409% | 2,242 |
| Return on assets (ROA) | 0.8873% | 2,714 |
| Pretax return on assets | 1.2227% | 2,242 |
| Return on Equity (ROE) | 6.4600% | 3,556 |
| Retained earnings to average equity (ytd only) | 4.0043% | 3,255 |
| Net charge-offs to loans | 0.0907% | 843 |
| Credit loss provision to net charge-offs | -48.0519% | 4,502 |
| Earnings coverage of net charge-offs (x) | 24.5974% | 1,705 |
| Efficiency ratio | 59.2162% | 3,060 |
| Assets per employee ($millions) | 8.7823% | 1,013 |
| Cash dividends to net income (ytd only)* | 38.0480% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7206% | 64 |
| Loan loss allowance to noncurrent loans | 880.7128% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 1,980 |
| Noncurrent loans to loans | 0.4225% | 1,773 |
| Net loans and leases to total assets | 58.9400% | 2,947 |
| Net loans and leases to deposits | 68.6792% | 2,928 |
| Net loans and leases to core deposits | 113.8514% | 732 |
| Total domestic deposits to total assets | 85.8300% | 2,250 |
| Equity capital to assets | 13.6497% | 699 |
| Core capital (leverage) ratio | 14.5058% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8639% | 389 |
| Memoranda: | ||
| Average total assets | $181,674,750 | 3,120 |
| Average earning assets | $170,734,750 | 3,095 |
| Average equity | $24,939,000 | 2,505 |
| Average total loans | $113,200,250 | 3,023 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 1,015 |
| Cost of funding earning assets | 1.7782% | 770 |
| Net interest margin | 3.5718% | 2,097 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 1.9097% | 3,797 |
| Loan and lease loss provision to assets | -0.0400% | 4,482 |
| Net operating income to assets | 1.1976% | 1,839 |
| Return on assets (ROA) | 0.9659% | 2,521 |
| Pretax return on assets | 1.2923% | 2,104 |
| Return on Equity (ROE) | 7.0200% | 3,477 |
| Retained earnings to average equity (ytd only) | 3.3145% | 3,399 |
| Net charge-offs to loans | 0.0512% | 1,000 |
| Credit loss provision to net charge-offs | -117.2414% | 4,549 |
| Earnings coverage of net charge-offs (x) | 48.2414% | 1,304 |
| Efficiency ratio | 55.2320% | 3,505 |
| Assets per employee ($millions) | 8.9925% | 912 |
| Cash dividends to net income (ytd only)* | 52.8064% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7382% | 73 |
| Loan loss allowance to noncurrent loans | 701.6502% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3209% | 1,636 |
| Noncurrent loans to loans | 0.5328% | 1,394 |
| Net loans and leases to total assets | 57.9800% | 2,964 |
| Net loans and leases to deposits | 67.0147% | 2,993 |
| Net loans and leases to core deposits | 101.9431% | 1,136 |
| Total domestic deposits to total assets | 86.5200% | 2,085 |
| Equity capital to assets | 13.2481% | 763 |
| Core capital (leverage) ratio | 14.2148% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $180,756,667 | 3,134 |
| Average earning assets | $169,496,000 | 3,110 |
| Average equity | $24,860,667 | 2,527 |
| Average total loans | $113,296,333 | 3,028 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3861% | 741 |
| Cost of funding earning assets | 1.6136% | 679 |
| Net interest margin | 3.7724% | 1,747 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.6614% | 4,238 |
| Loan and lease loss provision to assets | -0.0800% | 4,558 |
| Net operating income to assets | 1.5793% | 1,016 |
| Return on assets (ROA) | 1.1340% | 2,081 |
| Pretax return on assets | 1.5053% | 1,659 |
| Return on Equity (ROE) | 8.0900% | 3,266 |
| Retained earnings to average equity (ytd only) | 8.0865% | 2,193 |
| Net charge-offs to loans | 0.0212% | 1,254 |
| Credit loss provision to net charge-offs | -566.6667% | 4,631 |
| Earnings coverage of net charge-offs (x) | 146.6667% | 619 |
| Efficiency ratio | 45.4771% | 4,249 |
| Assets per employee ($millions) | 8.5762% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8053% | 73 |
| Loan loss allowance to noncurrent loans | 656.6820% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 1,423 |
| Noncurrent loans to loans | 0.5795% | 1,284 |
| Net loans and leases to total assets | 60.0000% | 2,647 |
| Net loans and leases to deposits | 69.9868% | 2,613 |
| Net loans and leases to core deposits | 107.8534% | 762 |
| Total domestic deposits to total assets | 85.7400% | 2,666 |
| Equity capital to assets | 13.9855% | 600 |
| Core capital (leverage) ratio | 14.8369% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $176,714,000 | 3,205 |
| Average earning assets | $165,092,500 | 3,191 |
| Average equity | $24,782,000 | 2,562 |
| Average total loans | $113,072,500 | 3,061 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 1,563 |
| Cost of funding earning assets | 0.6220% | 823 |
| Net interest margin | 3.4384% | 2,135 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.1216% | 3,234 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.8850% | 3,024 |
| Return on assets (ROA) | 0.7536% | 3,414 |
| Pretax return on assets | 1.0361% | 2,958 |
| Return on Equity (ROE) | 5.7300% | 3,879 |
| Retained earnings to average equity (ytd only) | 4.0049% | 3,394 |
| Net charge-offs to loans | -0.1499% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.5041% | 2,293 |
| Assets per employee ($millions) | 8.2537% | 1,208 |
| Cash dividends to net income (ytd only)* | 30.0500% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7917% | 69 |
| Loan loss allowance to noncurrent loans | 408.6174% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6093% | 818 |
| Noncurrent loans to loans | 0.9279% | 798 |
| Net loans and leases to total assets | 63.1700% | 2,311 |
| Net loans and leases to deposits | 73.7549% | 2,274 |
| Net loans and leases to core deposits | 110.8763% | 581 |
| Total domestic deposits to total assets | 85.6500% | 2,817 |
| Equity capital to assets | 14.0636% | 572 |
| Core capital (leverage) ratio | 14.3472% | 672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $185,895,800 | 3,137 |
| Average earning assets | $170,107,600 | 3,155 |
| Average equity | $24,470,200 | 2,606 |
| Average total loans | $114,731,400 | 2,980 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 1,697 |
| Cost of funding earning assets | 0.4949% | 766 |
| Net interest margin | 3.3228% | 2,224 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 1.9572% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8447% | 3,084 |
| Return on assets (ROA) | 0.8118% | 3,174 |
| Pretax return on assets | 1.1151% | 2,677 |
| Return on Equity (ROE) | 6.2700% | 3,740 |
| Retained earnings to average equity (ytd only) | 3.9737% | 3,452 |
| Net charge-offs to loans | -0.1809% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.9394% | 2,697 |
| Assets per employee ($millions) | 8.9020% | 930 |
| Cash dividends to net income (ytd only)* | 36.5769% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9125% | 72 |
| Loan loss allowance to noncurrent loans | 421.0974% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 940 |
| Noncurrent loans to loans | 0.9291% | 840 |
| Net loans and leases to total assets | 58.4700% | 2,642 |
| Net loans and leases to deposits | 67.3219% | 2,600 |
| Net loans and leases to core deposits | 97.5617% | 920 |
| Total domestic deposits to total assets | 86.8600% | 2,808 |
| Equity capital to assets | 12.7505% | 722 |
| Core capital (leverage) ratio | 13.1883% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4319% | 690 |
| Memoranda: | ||
| Average total assets | $189,038,000 | 3,137 |
| Average earning assets | $171,615,750 | 3,161 |
| Average equity | $24,493,750 | 2,651 |
| Average total loans | $114,963,750 | 2,982 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 1,830 |
| Cost of funding earning assets | 0.4345% | 747 |
| Net interest margin | 3.1713% | 2,281 |
| Noninterest income to average assets | 0.0938% | 4,517 |
| Noninterest expense to average assets | 1.9806% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7084% | 3,285 |
| Return on assets (ROA) | 0.7084% | 3,234 |
| Pretax return on assets | 0.9677% | 2,840 |
| Return on Equity (ROE) | 5.4384% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.0313% | 3,743 |
| Net charge-offs to loans | -0.0052% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1791% | 2,357 |
| Assets per employee ($millions) | 9.2846% | 810 |
| Cash dividends to net income (ytd only)* | 62.6488% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7159% | 79 |
| Loan loss allowance to noncurrent loans | 331.0000% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 820 |
| Noncurrent loans to loans | 1.1226% | 730 |
| Net loans and leases to total assets | 57.1852% | 2,617 |
| Net loans and leases to deposits | 65.3568% | 2,602 |
| Net loans and leases to core deposits | 93.0763% | 969 |
| Total domestic deposits to total assets | 87.4970% | 2,765 |
| Equity capital to assets | 12.3230% | 794 |
| Core capital (leverage) ratio | 12.9147% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $189,736,667 | 3,166 |
| Average earning assets | $170,781,667 | 3,207 |
| Average equity | $24,713,000 | 2,700 |
| Average total loans | $115,363,333 | 2,999 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 1,726 |
| Cost of funding earning assets | 0.4173% | 785 |
| Net interest margin | 3.1070% | 2,151 |
| Noninterest income to average assets | 0.1047% | 4,486 |
| Noninterest expense to average assets | 1.9004% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7482% | 2,863 |
| Return on assets (ROA) | 0.7482% | 2,856 |
| Pretax return on assets | 0.9577% | 2,582 |
| Return on Equity (ROE) | 5.5875% | 3,455 |
| Retained earnings to average equity (ytd only) | 5.5875% | 2,383 |
| Net charge-offs to loans | -0.0069% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4921% | 2,706 |
| Assets per employee ($millions) | 8.8660% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7310% | 86 |
| Loan loss allowance to noncurrent loans | 476.9401% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 1,248 |
| Noncurrent loans to loans | 0.7823% | 1,216 |
| Net loans and leases to total assets | 59.6191% | 2,104 |
| Net loans and leases to deposits | 68.8749% | 2,062 |
| Net loans and leases to core deposits | 101.2561% | 468 |
| Total domestic deposits to total assets | 86.5614% | 3,087 |
| Equity capital to assets | 13.3796% | 626 |
| Core capital (leverage) ratio | 13.4251% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,116,500 | 3,192 |
| Average earning assets | $165,820,500 | 3,269 |
| Average equity | $25,056,000 | 2,773 |
| Average total loans | $115,144,500 | 2,997 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4136% | 2,899 |
| Cost of funding earning assets | 0.4535% | 1,177 |
| Net interest margin | 2.9601% | 3,291 |
| Noninterest income to average assets | 0.2598% | 3,823 |
| Noninterest expense to average assets | 2.1119% | 3,361 |
| Loan and lease loss provision to assets | 0.0671% | 1,731 |
| Net operating income to assets | 0.5198% | 4,036 |
| Return on assets (ROA) | 0.5790% | 3,965 |
| Pretax return on assets | 0.7850% | 3,757 |
| Return on Equity (ROE) | 4.4711% | 4,109 |
| Retained earnings to average equity (ytd only) | 2.7919% | 3,727 |
| Net charge-offs to loans | -0.0174% | 3,929 |
| Credit loss provision to net charge-offs | -619.0476% | 3,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0962% | 1,404 |
| Assets per employee ($millions) | 8.9546% | 931 |
| Cash dividends to net income (ytd only)* | 37.5558% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7397% | 78 |
| Loan loss allowance to noncurrent loans | 457.9340% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 1,337 |
| Noncurrent loans to loans | 0.8166% | 1,248 |
| Net loans and leases to total assets | 58.8601% | 2,283 |
| Net loans and leases to deposits | 68.0965% | 2,306 |
| Net loans and leases to core deposits | 101.6746% | 465 |
| Total domestic deposits to total assets | 86.4363% | 2,743 |
| Equity capital to assets | 13.4015% | 791 |
| Core capital (leverage) ratio | 12.5249% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $193,621,600 | 3,107 |
| Average earning assets | $171,988,400 | 3,165 |
| Average equity | $25,072,200 | 2,843 |
| Average total loans | $120,881,200 | 2,944 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 3,134 |
| Cost of funding earning assets | 0.4469% | 1,375 |
| Net interest margin | 2.9417% | 3,457 |
| Noninterest income to average assets | 0.3282% | 3,466 |
| Noninterest expense to average assets | 2.0538% | 3,507 |
| Loan and lease loss provision to assets | 0.1313% | 878 |
| Net operating income to assets | 0.5699% | 4,065 |
| Return on assets (ROA) | 0.6434% | 3,974 |
| Pretax return on assets | 0.8731% | 3,753 |
| Return on Equity (ROE) | 5.0105% | 4,117 |
| Retained earnings to average equity (ytd only) | 2.7688% | 3,978 |
| Net charge-offs to loans | -0.0120% | 3,749 |
| Credit loss provision to net charge-offs | -1,745.4545% | 3,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2645% | 1,676 |
| Assets per employee ($millions) | 9.8318% | 671 |
| Cash dividends to net income (ytd only)* | 44.7396% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6834% | 89 |
| Loan loss allowance to noncurrent loans | 597.1193% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 2,020 |
| Noncurrent loans to loans | 0.6169% | 1,771 |
| Net loans and leases to total assets | 55.1306% | 2,836 |
| Net loans and leases to deposits | 63.0013% | 2,957 |
| Net loans and leases to core deposits | 90.0138% | 1,033 |
| Total domestic deposits to total assets | 87.5070% | 2,106 |
| Equity capital to assets | 12.2058% | 1,307 |
| Core capital (leverage) ratio | 12.1917% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,015,500 | 3,140 |
| Average earning assets | $174,817,250 | 3,171 |
| Average equity | $25,040,000 | 2,881 |
| Average total loans | $122,355,500 | 2,974 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4775% | 2,950 |
| Cost of funding earning assets | 0.4451% | 1,555 |
| Net interest margin | 3.0323% | 3,239 |
| Noninterest income to average assets | 0.4822% | 2,706 |
| Noninterest expense to average assets | 2.1946% | 3,105 |
| Loan and lease loss provision to assets | 0.2008% | 555 |
| Net operating income to assets | 0.6016% | 3,983 |
| Return on assets (ROA) | 0.6768% | 3,882 |
| Pretax return on assets | 0.9111% | 3,638 |
| Return on Equity (ROE) | 5.1788% | 4,096 |
| Retained earnings to average equity (ytd only) | 1.8090% | 4,161 |
| Net charge-offs to loans | -0.0145% | 3,839 |
| Credit loss provision to net charge-offs | -2,133.3333% | 3,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3388% | 1,836 |
| Assets per employee ($millions) | 9.3219% | 766 |
| Cash dividends to net income (ytd only)* | 65.0696% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5967% | 88 |
| Loan loss allowance to noncurrent loans | 667.4847% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 2,268 |
| Noncurrent loans to loans | 0.5388% | 2,053 |
| Net loans and leases to total assets | 59.5878% | 2,474 |
| Net loans and leases to deposits | 68.4713% | 2,571 |
| Net loans and leases to core deposits | 101.4948% | 607 |
| Total domestic deposits to total assets | 87.0260% | 2,305 |
| Equity capital to assets | 12.7534% | 1,027 |
| Core capital (leverage) ratio | 12.3360% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,198,000 | 3,169 |
| Average earning assets | $172,078,000 | 3,199 |
| Average equity | $24,986,333 | 2,882 |
| Average total loans | $123,747,333 | 2,972 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4406% | 3,080 |
| Cost of funding earning assets | 0.4413% | 1,791 |
| Net interest margin | 2.9993% | 3,256 |
| Noninterest income to average assets | 0.7030% | 1,862 |
| Noninterest expense to average assets | 2.2761% | 2,862 |
| Loan and lease loss provision to assets | 0.3112% | 290 |
| Net operating income to assets | 0.5974% | 3,952 |
| Return on assets (ROA) | 0.7262% | 3,712 |
| Pretax return on assets | 0.9697% | 3,460 |
| Return on Equity (ROE) | 5.4888% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.4888% | 3,069 |
| Net charge-offs to loans | -0.0224% | 4,049 |
| Credit loss provision to net charge-offs | -2,100.0000% | 3,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0618% | 2,064 |
| Assets per employee ($millions) | 9.1697% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3819% | 109 |
| Loan loss allowance to noncurrent loans | 673.5524% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 2,477 |
| Noncurrent loans to loans | 0.5021% | 2,350 |
| Net loans and leases to total assets | 63.8557% | 2,063 |
| Net loans and leases to deposits | 73.5477% | 2,150 |
| Net loans and leases to core deposits | 108.8149% | 443 |
| Total domestic deposits to total assets | 86.8220% | 2,381 |
| Equity capital to assets | 12.9754% | 920 |
| Core capital (leverage) ratio | 13.0908% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5643% | 989 |
| Memoranda: | ||
| Average total assets | $188,917,000 | 3,174 |
| Average earning assets | $169,507,500 | 3,220 |
| Average equity | $24,996,500 | 2,873 |
| Average total loans | $125,120,500 | 2,963 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 3,137 |
| Cost of funding earning assets | 0.6166% | 2,201 |
| Net interest margin | 3.2425% | 3,239 |
| Noninterest income to average assets | 0.3320% | 3,471 |
| Noninterest expense to average assets | 2.2858% | 3,445 |
| Loan and lease loss provision to assets | 0.3191% | 1,156 |
| Net operating income to assets | 0.4930% | 4,043 |
| Return on assets (ROA) | 0.5770% | 3,929 |
| Pretax return on assets | 0.7887% | 3,654 |
| Return on Equity (ROE) | 4.1683% | 4,125 |
| Retained earnings to average equity (ytd only) | 2.4543% | 3,627 |
| Net charge-offs to loans | 0.0390% | 2,275 |
| Credit loss provision to net charge-offs | 1,219.1489% | 675 |
| Earnings coverage of net charge-offs (x) | 38.2553% | 1,421 |
| Efficiency ratio | 69.5358% | 2,013 |
| Assets per employee ($millions) | 8.8224% | 789 |
| Cash dividends to net income (ytd only)* | 41.1197% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3747% | 107 |
| Loan loss allowance to noncurrent loans | 675.8958% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 2,663 |
| Noncurrent loans to loans | 0.4993% | 2,473 |
| Net loans and leases to total assets | 64.1356% | 2,339 |
| Net loans and leases to deposits | 74.2692% | 2,457 |
| Net loans and leases to core deposits | 112.6486% | 437 |
| Total domestic deposits to total assets | 86.3556% | 2,206 |
| Equity capital to assets | 13.4976% | 930 |
| Core capital (leverage) ratio | 13.1119% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,541,200 | 3,110 |
| Average earning assets | $163,639,800 | 3,134 |
| Average equity | $24,854,000 | 2,814 |
| Average total loans | $120,551,400 | 2,975 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 3,628 |
| Cost of funding earning assets | 0.6458% | 2,347 |
| Net interest margin | 3.1321% | 3,664 |
| Noninterest income to average assets | 0.4312% | 2,930 |
| Noninterest expense to average assets | 2.1926% | 3,693 |
| Loan and lease loss provision to assets | 0.2066% | 1,941 |
| Net operating income to assets | 0.6734% | 3,555 |
| Return on assets (ROA) | 0.7508% | 3,388 |
| Pretax return on assets | 1.0128% | 3,023 |
| Return on Equity (ROE) | 5.3889% | 3,758 |
| Retained earnings to average equity (ytd only) | 3.1001% | 3,478 |
| Net charge-offs to loans | 0.0333% | 2,160 |
| Credit loss provision to net charge-offs | 920.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 49.9333% | 1,194 |
| Efficiency ratio | 66.1622% | 2,449 |
| Assets per employee ($millions) | 7.9218% | 1,031 |
| Cash dividends to net income (ytd only)* | 42.4726% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1103% | 123 |
| Loan loss allowance to noncurrent loans | 683.7456% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 2,913 |
| Noncurrent loans to loans | 0.4549% | 2,685 |
| Net loans and leases to total assets | 66.1659% | 2,501 |
| Net loans and leases to deposits | 77.0000% | 2,652 |
| Net loans and leases to core deposits | 116.7004% | 485 |
| Total domestic deposits to total assets | 85.9298% | 2,101 |
| Equity capital to assets | 13.7200% | 936 |
| Core capital (leverage) ratio | 13.2476% | 890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,109,000 | 3,108 |
| Average earning assets | $163,932,000 | 3,113 |
| Average equity | $24,815,750 | 2,805 |
| Average total loans | $119,945,750 | 2,999 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 3,793 |
| Cost of funding earning assets | 0.7021% | 2,369 |
| Net interest margin | 3.1245% | 3,848 |
| Noninterest income to average assets | 0.6201% | 2,059 |
| Noninterest expense to average assets | 2.4499% | 3,106 |
| Loan and lease loss provision to assets | 0.1256% | 2,772 |
| Net operating income to assets | 0.6916% | 3,413 |
| Return on assets (ROA) | 0.7944% | 3,177 |
| Pretax return on assets | 1.0705% | 2,806 |
| Return on Equity (ROE) | 5.6716% | 3,609 |
| Retained earnings to average equity (ytd only) | 2.2299% | 3,671 |
| Net charge-offs to loans | 0.0591% | 1,659 |
| Credit loss provision to net charge-offs | 317.1429% | 1,573 |
| Earnings coverage of net charge-offs (x) | 26.9143% | 1,502 |
| Efficiency ratio | 69.6814% | 2,000 |
| Assets per employee ($millions) | 8.4595% | 818 |
| Cash dividends to net income (ytd only)* | 60.6838% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9346% | 142 |
| Loan loss allowance to noncurrent loans | 655.0442% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 3,095 |
| Noncurrent loans to loans | 0.4480% | 2,813 |
| Net loans and leases to total assets | 65.7769% | 2,660 |
| Net loans and leases to deposits | 76.1099% | 2,846 |
| Net loans and leases to core deposits | 115.9341% | 535 |
| Total domestic deposits to total assets | 86.4235% | 1,836 |
| Equity capital to assets | 13.2740% | 1,053 |
| Core capital (leverage) ratio | 13.3867% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,745,000 | 3,103 |
| Average earning assets | $163,802,333 | 3,101 |
| Average equity | $24,755,000 | 2,798 |
| Average total loans | $118,452,667 | 3,000 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 3,327 |
| Cost of funding earning assets | 0.7730% | 2,528 |
| Net interest margin | 3.3948% | 3,311 |
| Noninterest income to average assets | 0.0767% | 4,905 |
| Noninterest expense to average assets | 2.1387% | 4,138 |
| Loan and lease loss provision to assets | 0.0302% | 3,400 |
| Net operating income to assets | 0.8018% | 2,900 |
| Return on assets (ROA) | 0.9322% | 2,518 |
| Pretax return on assets | 1.2275% | 2,107 |
| Return on Equity (ROE) | 6.4728% | 3,139 |
| Retained earnings to average equity (ytd only) | 6.4728% | 1,719 |
| Net charge-offs to loans | -0.0105% | 4,096 |
| Credit loss provision to net charge-offs | -433.3333% | 3,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1871% | 2,934 |
| Assets per employee ($millions) | 7.3628% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1729% | 128 |
| Loan loss allowance to noncurrent loans | 588.0452% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 2,979 |
| Noncurrent loans to loans | 0.5396% | 2,646 |
| Net loans and leases to total assets | 65.5939% | 2,862 |
| Net loans and leases to deposits | 77.1394% | 2,964 |
| Net loans and leases to core deposits | 130.2777% | 261 |
| Total domestic deposits to total assets | 85.0329% | 2,401 |
| Equity capital to assets | 14.7698% | 816 |
| Core capital (leverage) ratio | 14.3514% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,063,500 | 3,118 |
| Average earning assets | $159,891,500 | 3,112 |
| Average equity | $24,780,500 | 2,789 |
| Average total loans | $114,620,500 | 3,019 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 3,533 |
| Cost of funding earning assets | 0.7496% | 2,921 |
| Net interest margin | 3.5552% | 3,272 |
| Noninterest income to average assets | 0.0925% | 4,946 |
| Noninterest expense to average assets | 2.2601% | 4,046 |
| Loan and lease loss provision to assets | 0.0893% | 2,231 |
| Net operating income to assets | 0.8085% | 3,529 |
| Return on assets (ROA) | 0.8876% | 3,344 |
| Pretax return on assets | 1.1750% | 2,930 |
| Return on Equity (ROE) | 6.8536% | 3,604 |
| Retained earnings to average equity (ytd only) | 5.0566% | 2,386 |
| Net charge-offs to loans | 0.1662% | 1,216 |
| Credit loss provision to net charge-offs | 86.8421% | 2,700 |
| Earnings coverage of net charge-offs (x) | 11.3211% | 2,504 |
| Efficiency ratio | 66.0028% | 2,768 |
| Assets per employee ($millions) | 7.5992% | 831 |
| Cash dividends to net income (ytd only)* | 26.2195% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1654% | 108 |
| Loan loss allowance to noncurrent loans | 620.7192% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 3,085 |
| Noncurrent loans to loans | 0.5100% | 2,661 |
| Net loans and leases to total assets | 63.4482% | 3,260 |
| Net loans and leases to deposits | 74.0615% | 3,348 |
| Net loans and leases to core deposits | 122.0059% | 429 |
| Total domestic deposits to total assets | 85.6696% | 2,210 |
| Equity capital to assets | 14.0455% | 1,082 |
| Core capital (leverage) ratio | 13.8117% | 978 |
| Tier 1 risk-based capital ratio | 19.9691% | 1,332 |
| Total risk-based capital ratio | 21.2398% | 1,302 |
| Memoranda: | ||
| Average total assets | $184,770,800 | 2,965 |
| Average earning assets | $173,155,400 | 2,949 |
| Average equity | $23,929,000 | 2,803 |
| Average total loans | $114,324,000 | 3,017 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 3,505 |
| Cost of funding earning assets | 0.7378% | 3,026 |
| Net interest margin | 3.6158% | 3,210 |
| Noninterest income to average assets | 0.1032% | 4,977 |
| Noninterest expense to average assets | 2.0498% | 4,453 |
| Loan and lease loss provision to assets | 0.0954% | 2,009 |
| Net operating income to assets | 1.0257% | 2,883 |
| Return on assets (ROA) | 1.1157% | 2,601 |
| Pretax return on assets | 1.4567% | 2,093 |
| Return on Equity (ROE) | 8.7881% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.3765% | 2,183 |
| Net charge-offs to loans | 0.0490% | 2,135 |
| Credit loss provision to net charge-offs | 319.0476% | 918 |
| Earnings coverage of net charge-offs (x) | 48.0941% | 1,226 |
| Efficiency ratio | 58.7671% | 3,831 |
| Assets per employee ($millions) | 7.3853% | 889 |
| Cash dividends to net income (ytd only)* | 27.4410% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2316% | 111 |
| Loan loss allowance to noncurrent loans | 687.6838% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 3,268 |
| Noncurrent loans to loans | 0.4699% | 2,892 |
| Net loans and leases to total assets | 65.9490% | 3,054 |
| Net loans and leases to deposits | 77.5455% | 3,146 |
| Net loans and leases to core deposits | 130.9047% | 283 |
| Total domestic deposits to total assets | 85.0456% | 2,410 |
| Equity capital to assets | 14.4328% | 999 |
| Core capital (leverage) ratio | 13.2917% | 1,219 |
| Tier 1 risk-based capital ratio | 18.6335% | 1,654 |
| Total risk-based capital ratio | 19.9033% | 1,615 |
| Memoranda: | ||
| Average total assets | $187,268,000 | 2,964 |
| Average earning assets | $175,302,750 | 2,956 |
| Average equity | $23,774,000 | 2,828 |
| Average total loans | $114,274,750 | 3,056 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2924% | 3,657 |
| Cost of funding earning assets | 0.6904% | 3,219 |
| Net interest margin | 3.6020% | 3,247 |
| Noninterest income to average assets | 0.1005% | 5,037 |
| Noninterest expense to average assets | 1.9868% | 4,620 |
| Loan and lease loss provision to assets | 0.0932% | 1,985 |
| Net operating income to assets | 1.0666% | 2,660 |
| Return on assets (ROA) | 1.1509% | 2,400 |
| Pretax return on assets | 1.5103% | 1,826 |
| Return on Equity (ROE) | 9.4446% | 2,663 |
| Retained earnings to average equity (ytd only) | 5.7892% | 2,378 |
| Net charge-offs to loans | -0.0193% | 4,536 |
| Credit loss provision to net charge-offs | -818.1818% | 4,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0324% | 4,128 |
| Assets per employee ($millions) | 8.4785% | 560 |
| Cash dividends to net income (ytd only)* | 38.7039% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2284% | 103 |
| Loan loss allowance to noncurrent loans | 681.8182% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 3,428 |
| Noncurrent loans to loans | 0.4735% | 2,859 |
| Net loans and leases to total assets | 57.6418% | 3,950 |
| Net loans and leases to deposits | 66.0060% | 4,098 |
| Net loans and leases to core deposits | 108.8510% | 1,045 |
| Total domestic deposits to total assets | 87.3281% | 1,422 |
| Equity capital to assets | 12.2632% | 2,013 |
| Core capital (leverage) ratio | 11.9416% | 1,862 |
| Tier 1 risk-based capital ratio | 18.6792% | 1,628 |
| Total risk-based capital ratio | 19.9498% | 1,584 |
| Memoranda: | ||
| Average total assets | $193,069,670 | 2,933 |
| Average earning assets | $181,342,670 | 2,905 |
| Average equity | $23,526,670 | 2,840 |
| Average total loans | $113,778,330 | 3,073 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 3,837 |
| Cost of funding earning assets | 0.5881% | 3,636 |
| Net interest margin | 3.6195% | 3,181 |
| Noninterest income to average assets | 0.0937% | 5,103 |
| Noninterest expense to average assets | 2.0947% | 4,468 |
| Loan and lease loss provision to assets | 0.0895% | 1,919 |
| Net operating income to assets | 0.9951% | 2,863 |
| Return on assets (ROA) | 1.0807% | 2,585 |
| Pretax return on assets | 1.4138% | 2,037 |
| Return on Equity (ROE) | 8.8973% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.8973% | 1,353 |
| Net charge-offs to loans | 0.0071% | 2,442 |
| Credit loss provision to net charge-offs | 2,150.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 335.0000% | 239 |
| Efficiency ratio | 60.0239% | 3,799 |
| Assets per employee ($millions) | 9.0092% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2953% | 101 |
| Loan loss allowance to noncurrent loans | 583.8608% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 3,320 |
| Noncurrent loans to loans | 0.5644% | 2,632 |
| Net loans and leases to total assets | 54.6352% | 4,159 |
| Net loans and leases to deposits | 62.2739% | 4,287 |
| Net loans and leases to core deposits | 100.1748% | 1,609 |
| Total domestic deposits to total assets | 87.7337% | 1,461 |
| Equity capital to assets | 11.9358% | 2,061 |
| Core capital (leverage) ratio | 12.2132% | 1,651 |
| Tier 1 risk-based capital ratio | 19.8389% | 1,365 |
| Total risk-based capital ratio | 21.1111% | 1,339 |
| Memoranda: | ||
| Average total assets | $192,101,500 | 2,976 |
| Average earning assets | $180,246,000 | 2,947 |
| Average equity | $23,333,000 | 2,854 |
| Average total loans | $112,590,000 | 3,121 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 3,895 |
| Cost of funding earning assets | 0.3207% | 4,460 |
| Net interest margin | 3.7278% | 2,939 |
| Noninterest income to average assets | 0.0636% | 5,238 |
| Noninterest expense to average assets | 2.2871% | 4,153 |
| Loan and lease loss provision to assets | 0.1480% | 1,440 |
| Net operating income to assets | 0.8042% | 3,794 |
| Return on assets (ROA) | 0.8030% | 3,797 |
| Pretax return on assets | 1.0735% | 3,363 |
| Return on Equity (ROE) | 6.8604% | 3,872 |
| Retained earnings to average equity (ytd only) | 3.7663% | 3,497 |
| Net charge-offs to loans | -0.0568% | 5,015 |
| Credit loss provision to net charge-offs | -443.7500% | 4,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1574% | 3,006 |
| Assets per employee ($millions) | 8.0870% | 642 |
| Cash dividends to net income (ytd only)* | 45.1006% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2234% | 105 |
| Loan loss allowance to noncurrent loans | 685.9023% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 3,436 |
| Noncurrent loans to loans | 0.4700% | 2,868 |
| Net loans and leases to total assets | 58.8991% | 3,881 |
| Net loans and leases to deposits | 67.3720% | 4,017 |
| Net loans and leases to core deposits | 96.5837% | 2,006 |
| Total domestic deposits to total assets | 87.4237% | 1,578 |
| Equity capital to assets | 12.3704% | 1,653 |
| Core capital (leverage) ratio | 12.2682% | 1,574 |
| Tier 1 risk-based capital ratio | 18.6402% | 1,585 |
| Total risk-based capital ratio | 19.9103% | 1,539 |
| Memoranda: | ||
| Average total assets | $191,904,600 | 2,944 |
| Average earning assets | $177,421,800 | 2,950 |
| Average equity | $22,462,200 | 2,866 |
| Average total loans | $112,739,400 | 3,097 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 4,056 |
| Cost of funding earning assets | 0.2805% | 4,629 |
| Net interest margin | 3.6763% | 3,100 |
| Noninterest income to average assets | 0.0600% | 5,321 |
| Noninterest expense to average assets | 2.0181% | 4,704 |
| Loan and lease loss provision to assets | 0.1420% | 1,406 |
| Net operating income to assets | 0.9690% | 3,221 |
| Return on assets (ROA) | 0.9728% | 3,216 |
| Pretax return on assets | 1.2934% | 2,650 |
| Return on Equity (ROE) | 8.4266% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.2760% | 3,632 |
| Net charge-offs to loans | -0.0509% | 4,936 |
| Credit loss provision to net charge-offs | -479.0698% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5166% | 4,038 |
| Assets per employee ($millions) | 8.2467% | 582 |
| Cash dividends to net income (ytd only)* | 49.2556% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0930% | 126 |
| Loan loss allowance to noncurrent loans | 284.0800% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6590% | 2,217 |
| Noncurrent loans to loans | 1.0888% | 1,562 |
| Net loans and leases to total assets | 58.6556% | 3,978 |
| Net loans and leases to deposits | 66.8118% | 4,140 |
| Net loans and leases to core deposits | 94.6183% | 2,238 |
| Total domestic deposits to total assets | 87.7923% | 1,340 |
| Equity capital to assets | 11.8650% | 1,994 |
| Core capital (leverage) ratio | 12.3064% | 1,608 |
| Tier 1 risk-based capital ratio | 19.8647% | 1,364 |
| Total risk-based capital ratio | 21.1361% | 1,326 |
| Memoranda: | ||
| Average total assets | $193,380,500 | 2,954 |
| Average earning assets | $178,256,000 | 2,964 |
| Average equity | $22,325,500 | 2,890 |
| Average total loans | $112,623,750 | 3,128 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 4,246 |
| Cost of funding earning assets | 0.2571% | 4,714 |
| Net interest margin | 3.5825% | 3,377 |
| Noninterest income to average assets | 0.0637% | 5,370 |
| Noninterest expense to average assets | 1.9392% | 4,903 |
| Loan and lease loss provision to assets | 0.1367% | 1,433 |
| Net operating income to assets | 0.9664% | 3,158 |
| Return on assets (ROA) | 0.9794% | 3,116 |
| Pretax return on assets | 1.2836% | 2,582 |
| Return on Equity (ROE) | 8.5603% | 3,224 |
| Retained earnings to average equity (ytd only) | 2.3175% | 4,346 |
| Net charge-offs to loans | -0.0715% | 5,045 |
| Credit loss provision to net charge-offs | -332.5000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0080% | 4,235 |
| Assets per employee ($millions) | 8.4277% | 537 |
| Cash dividends to net income (ytd only)* | 72.9276% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0752% | 127 |
| Loan loss allowance to noncurrent loans | 260.9610% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 2,177 |
| Noncurrent loans to loans | 1.1784% | 1,472 |
| Net loans and leases to total assets | 56.5205% | 4,116 |
| Net loans and leases to deposits | 63.9973% | 4,281 |
| Net loans and leases to core deposits | 85.9641% | 2,927 |
| Total domestic deposits to total assets | 88.3169% | 1,213 |
| Equity capital to assets | 11.4891% | 2,207 |
| Core capital (leverage) ratio | 11.7144% | 1,897 |
| Tier 1 risk-based capital ratio | 19.0622% | 1,538 |
| Total risk-based capital ratio | 20.3329% | 1,498 |
| Memoranda: | ||
| Average total assets | $194,615,670 | 2,952 |
| Average earning assets | $178,142,000 | 2,980 |
| Average equity | $22,265,670 | 2,906 |
| Average total loans | $111,896,330 | 3,145 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 4,310 |
| Cost of funding earning assets | 0.2455% | 4,741 |
| Net interest margin | 3.5205% | 3,457 |
| Noninterest income to average assets | 0.0677% | 5,431 |
| Noninterest expense to average assets | 1.9446% | 4,948 |
| Loan and lease loss provision to assets | 0.1477% | 1,236 |
| Net operating income to assets | 0.8617% | 3,448 |
| Return on assets (ROA) | 0.8779% | 3,393 |
| Pretax return on assets | 1.2020% | 2,741 |
| Return on Equity (ROE) | 7.6897% | 3,512 |
| Retained earnings to average equity (ytd only) | -4.7971% | 5,195 |
| Net charge-offs to loans | -0.0072% | 4,129 |
| Credit loss provision to net charge-offs | -3,600.0000% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3985% | 4,148 |
| Assets per employee ($millions) | 8.4163% | 543 |
| Cash dividends to net income (ytd only)* | 162.3832% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0147% | 155 |
| Loan loss allowance to noncurrent loans | 214.6217% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 1,952 |
| Noncurrent loans to loans | 1.4047% | 1,270 |
| Net loans and leases to total assets | 56.1059% | 4,113 |
| Net loans and leases to deposits | 63.3728% | 4,248 |
| Net loans and leases to core deposits | 85.0505% | 2,889 |
| Total domestic deposits to total assets | 88.5331% | 1,338 |
| Equity capital to assets | 11.3475% | 2,258 |
| Core capital (leverage) ratio | 11.7562% | 1,813 |
| Tier 1 risk-based capital ratio | 18.9656% | 1,557 |
| Total risk-based capital ratio | 20.2353% | 1,516 |
| Memoranda: | ||
| Average total assets | $195,005,500 | 2,983 |
| Average earning assets | $177,586,500 | 3,018 |
| Average equity | $22,263,500 | 2,936 |
| Average total loans | $111,328,000 | 3,173 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 4,357 |
| Cost of funding earning assets | 0.2395% | 4,651 |
| Net interest margin | 3.4527% | 3,682 |
| Noninterest income to average assets | 0.0656% | 5,494 |
| Noninterest expense to average assets | 1.9740% | 5,004 |
| Loan and lease loss provision to assets | 0.1949% | 1,071 |
| Net operating income to assets | 0.4903% | 4,397 |
| Return on assets (ROA) | 0.5271% | 4,334 |
| Pretax return on assets | 1.0638% | 3,326 |
| Return on Equity (ROE) | 4.6300% | 4,310 |
| Retained earnings to average equity (ytd only) | 2.7440% | 3,668 |
| Net charge-offs to loans | 0.4464% | 539 |
| Credit loss provision to net charge-offs | 79.2961% | 2,952 |
| Earnings coverage of net charge-offs (x) | 4.8882% | 3,401 |
| Efficiency ratio | 62.1695% | 3,912 |
| Assets per employee ($millions) | 8.5407% | 524 |
| Cash dividends to net income (ytd only)* | 40.7336% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9836% | 142 |
| Loan loss allowance to noncurrent loans | 291.1817% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 2,622 |
| Noncurrent loans to loans | 1.0246% | 1,735 |
| Net loans and leases to total assets | 54.6595% | 4,302 |
| Net loans and leases to deposits | 61.8247% | 4,465 |
| Net loans and leases to core deposits | 82.4763% | 3,206 |
| Total domestic deposits to total assets | 88.4105% | 1,294 |
| Equity capital to assets | 11.4852% | 2,215 |
| Core capital (leverage) ratio | 11.2888% | 2,102 |
| Tier 1 risk-based capital ratio | 45.2753% | 155 |
| Total risk-based capital ratio | 46.5930% | 151 |
| Memoranda: | ||
| Average total assets | $196,552,600 | 2,956 |
| Average earning assets | $177,023,200 | 2,992 |
| Average equity | $22,376,000 | 2,914 |
| Average total loans | $108,199,600 | 3,211 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6688% | 4,400 |
| Cost of funding earning assets | 0.2373% | 4,675 |
| Net interest margin | 3.4315% | 3,733 |
| Noninterest income to average assets | 0.0665% | 5,566 |
| Noninterest expense to average assets | 1.9154% | 5,114 |
| Loan and lease loss provision to assets | 0.2272% | 807 |
| Net operating income to assets | 0.6882% | 4,034 |
| Return on assets (ROA) | 0.7467% | 3,813 |
| Pretax return on assets | 1.1001% | 3,301 |
| Return on Equity (ROE) | 6.5740% | 3,876 |
| Retained earnings to average equity (ytd only) | 4.0543% | 3,505 |
| Net charge-offs to loans | 0.5094% | 401 |
| Credit loss provision to net charge-offs | 81.5085% | 2,562 |
| Earnings coverage of net charge-offs (x) | 4.4525% | 3,222 |
| Efficiency ratio | 60.6790% | 4,093 |
| Assets per employee ($millions) | 8.7933% | 472 |
| Cash dividends to net income (ytd only)* | 38.3287% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9196% | 169 |
| Loan loss allowance to noncurrent loans | 222.3262% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7397% | 2,283 |
| Noncurrent loans to loans | 1.3132% | 1,456 |
| Net loans and leases to total assets | 54.6832% | 4,354 |
| Net loans and leases to deposits | 61.8784% | 4,515 |
| Net loans and leases to core deposits | 83.6857% | 3,156 |
| Total domestic deposits to total assets | 88.3720% | 1,185 |
| Equity capital to assets | 11.2270% | 2,642 |
| Core capital (leverage) ratio | 11.2764% | 2,204 |
| Tier 1 risk-based capital ratio | 18.8917% | 1,621 |
| Total risk-based capital ratio | 20.1603% | 1,572 |
| Memoranda: | ||
| Average total assets | $196,581,750 | 2,978 |
| Average earning assets | $177,022,000 | 3,019 |
| Average equity | $22,329,750 | 2,941 |
| Average total loans | $107,581,250 | 3,246 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5497% | 4,633 |
| Cost of funding earning assets | 0.2280% | 4,735 |
| Net interest margin | 3.3217% | 4,042 |
| Noninterest income to average assets | 0.0657% | 5,607 |
| Noninterest expense to average assets | 1.8799% | 5,214 |
| Loan and lease loss provision to assets | 0.2722% | 583 |
| Net operating income to assets | 0.6500% | 4,083 |
| Return on assets (ROA) | 0.6996% | 3,917 |
| Pretax return on assets | 0.9759% | 3,654 |
| Return on Equity (ROE) | 6.1339% | 3,988 |
| Retained earnings to average equity (ytd only) | 2.3329% | 4,284 |
| Net charge-offs to loans | 0.7889% | 251 |
| Credit loss provision to net charge-offs | 63.7019% | 2,433 |
| Earnings coverage of net charge-offs (x) | 2.7596% | 3,130 |
| Efficiency ratio | 61.4506% | 4,093 |
| Assets per employee ($millions) | 8.6698% | 469 |
| Cash dividends to net income (ytd only)* | 61.9677% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9762% | 165 |
| Loan loss allowance to noncurrent loans | 262.7324% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 2,707 |
| Noncurrent loans to loans | 1.1328% | 1,730 |
| Net loans and leases to total assets | 53.1326% | 4,478 |
| Net loans and leases to deposits | 59.9832% | 4,626 |
| Net loans and leases to core deposits | 81.1982% | 3,322 |
| Total domestic deposits to total assets | 88.5790% | 1,166 |
| Equity capital to assets | 11.2124% | 2,576 |
| Core capital (leverage) ratio | 11.2490% | 2,182 |
| Tier 1 risk-based capital ratio | 19.2246% | 1,542 |
| Total risk-based capital ratio | 20.4935% | 1,482 |
| Memoranda: | ||
| Average total assets | $194,694,000 | 3,011 |
| Average earning assets | $175,452,670 | 3,041 |
| Average equity | $22,204,330 | 2,952 |
| Average total loans | $105,468,330 | 3,292 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4439% | 4,845 |
| Cost of funding earning assets | 0.2318% | 4,699 |
| Net interest margin | 3.2121% | 4,299 |
| Noninterest income to average assets | 0.0665% | 5,684 |
| Noninterest expense to average assets | 1.5639% | 5,592 |
| Loan and lease loss provision to assets | 0.4263% | 257 |
| Net operating income to assets | 0.6924% | 3,746 |
| Return on assets (ROA) | 0.7133% | 3,689 |
| Pretax return on assets | 0.9878% | 3,419 |
| Return on Equity (ROE) | 6.2004% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.2004% | 2,236 |
| Net charge-offs to loans | 1.4710% | 108 |
| Credit loss provision to net charge-offs | 53.8058% | 1,954 |
| Earnings coverage of net charge-offs (x) | 1.7480% | 2,690 |
| Efficiency ratio | 53.0324% | 5,201 |
| Assets per employee ($millions) | 8.8317% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0795% | 162 |
| Loan loss allowance to noncurrent loans | 258.0800% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6154% | 2,793 |
| Noncurrent loans to loans | 1.1932% | 1,691 |
| Net loans and leases to total assets | 49.9838% | 4,672 |
| Net loans and leases to deposits | 56.2433% | 4,800 |
| Net loans and leases to core deposits | 75.6165% | 3,690 |
| Total domestic deposits to total assets | 88.8706% | 1,214 |
| Equity capital to assets | 10.9921% | 2,632 |
| Core capital (leverage) ratio | 11.0276% | 2,334 |
| Tier 1 risk-based capital ratio | 19.4155% | 1,512 |
| Total risk-based capital ratio | 20.6844% | 1,479 |
| Memoranda: | ||
| Average total assets | $192,338,500 | 3,064 |
| Average earning assets | $172,596,500 | 3,103 |
| Average equity | $22,127,500 | 2,973 |
| Average total loans | $103,603,000 | 3,352 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 4,459 |
| Cost of funding earning assets | 0.2122% | 4,907 |
| Net interest margin | 3.4098% | 3,791 |
| Noninterest income to average assets | 0.0779% | 5,702 |
| Noninterest expense to average assets | 2.0355% | 5,121 |
| Loan and lease loss provision to assets | 0.2525% | 829 |
| Net operating income to assets | 0.5651% | 4,366 |
| Return on assets (ROA) | 0.6742% | 4,007 |
| Pretax return on assets | 1.0078% | 3,448 |
| Return on Equity (ROE) | 5.7083% | 4,118 |
| Retained earnings to average equity (ytd only) | 3.8070% | 3,208 |
| Net charge-offs to loans | 0.6211% | 367 |
| Credit loss provision to net charge-offs | 72.7554% | 3,089 |
| Earnings coverage of net charge-offs (x) | 3.1625% | 3,715 |
| Efficiency ratio | 64.9691% | 3,768 |
| Assets per employee ($millions) | 7.8934% | 636 |
| Cash dividends to net income (ytd only)* | 33.3068% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3197% | 126 |
| Loan loss allowance to noncurrent loans | 200.1766% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 2,025 |
| Noncurrent loans to loans | 1.6584% | 1,167 |
| Net loans and leases to total assets | 54.5572% | 4,390 |
| Net loans and leases to deposits | 62.1088% | 4,537 |
| Net loans and leases to core deposits | 83.5940% | 3,063 |
| Total domestic deposits to total assets | 87.8413% | 1,717 |
| Equity capital to assets | 12.0777% | 1,752 |
| Core capital (leverage) ratio | 11.3556% | 2,035 |
| Tier 1 risk-based capital ratio | 20.2942% | 1,324 |
| Total risk-based capital ratio | 21.5685% | 1,295 |
| Memoranda: | ||
| Average total assets | $186,143,800 | 3,099 |
| Average earning assets | $166,785,800 | 3,151 |
| Average equity | $21,985,600 | 2,986 |
| Average total loans | $104,003,400 | 3,315 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 4,536 |
| Cost of funding earning assets | 0.2055% | 5,010 |
| Net interest margin | 3.4005% | 3,836 |
| Noninterest income to average assets | 0.0804% | 5,764 |
| Noninterest expense to average assets | 1.8680% | 5,433 |
| Loan and lease loss provision to assets | 0.4001% | 366 |
| Net operating income to assets | 0.5825% | 4,361 |
| Return on assets (ROA) | 0.7204% | 3,873 |
| Pretax return on assets | 1.0664% | 3,368 |
| Return on Equity (ROE) | 6.1331% | 4,009 |
| Retained earnings to average equity (ytd only) | 3.5999% | 3,733 |
| Net charge-offs to loans | 0.7536% | 242 |
| Credit loss provision to net charge-offs | 95.2542% | 2,452 |
| Earnings coverage of net charge-offs (x) | 3.0085% | 3,480 |
| Efficiency ratio | 59.6499% | 4,594 |
| Assets per employee ($millions) | 8.4368% | 495 |
| Cash dividends to net income (ytd only)* | 41.3044% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4395% | 122 |
| Loan loss allowance to noncurrent loans | 192.4119% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 2,183 |
| Noncurrent loans to loans | 1.7875% | 1,159 |
| Net loans and leases to total assets | 51.3608% | 4,705 |
| Net loans and leases to deposits | 58.2187% | 4,868 |
| Net loans and leases to core deposits | 76.0080% | 3,833 |
| Total domestic deposits to total assets | 88.2204% | 1,286 |
| Equity capital to assets | 11.4565% | 2,551 |
| Core capital (leverage) ratio | 11.4789% | 2,051 |
| Tier 1 risk-based capital ratio | 21.4895% | 1,195 |
| Total risk-based capital ratio | 22.7664% | 1,176 |
| Memoranda: | ||
| Average total assets | $187,292,500 | 3,099 |
| Average earning assets | $168,051,750 | 3,153 |
| Average equity | $22,000,250 | 3,006 |
| Average total loans | $104,392,000 | 3,321 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 4,362 |
| Cost of funding earning assets | 0.2012% | 5,125 |
| Net interest margin | 3.4776% | 3,573 |
| Noninterest income to average assets | 0.0854% | 5,827 |
| Noninterest expense to average assets | 1.9196% | 5,421 |
| Loan and lease loss provision to assets | 0.4032% | 376 |
| Net operating income to assets | 0.6287% | 4,149 |
| Return on assets (ROA) | 0.7577% | 3,661 |
| Pretax return on assets | 1.0646% | 3,345 |
| Return on Equity (ROE) | 6.3950% | 3,857 |
| Retained earnings to average equity (ytd only) | 2.5817% | 4,245 |
| Net charge-offs to loans | 0.5650% | 371 |
| Credit loss provision to net charge-offs | 126.0135% | 1,795 |
| Earnings coverage of net charge-offs (x) | 4.0203% | 3,029 |
| Efficiency ratio | 59.8786% | 4,659 |
| Assets per employee ($millions) | 8.1663% | 531 |
| Cash dividends to net income (ytd only)* | 59.6291% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4427% | 131 |
| Loan loss allowance to noncurrent loans | 169.3234% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1489% | 1,841 |
| Noncurrent loans to loans | 2.0332% | 971 |
| Net loans and leases to total assets | 54.5638% | 4,454 |
| Net loans and leases to deposits | 62.0179% | 4,650 |
| Net loans and leases to core deposits | 79.3638% | 3,519 |
| Total domestic deposits to total assets | 87.9808% | 1,441 |
| Equity capital to assets | 11.7227% | 2,337 |
| Core capital (leverage) ratio | 11.5708% | 1,933 |
| Tier 1 risk-based capital ratio | 21.2224% | 1,236 |
| Total risk-based capital ratio | 22.5007% | 1,214 |
| Memoranda: | ||
| Average total assets | $185,041,000 | 3,133 |
| Average earning assets | $166,031,670 | 3,192 |
| Average equity | $21,923,330 | 3,019 |
| Average total loans | $104,784,670 | 3,325 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 4,361 |
| Cost of funding earning assets | 0.1917% | 5,268 |
| Net interest margin | 3.4971% | 3,488 |
| Noninterest income to average assets | 0.0871% | 5,864 |
| Noninterest expense to average assets | 2.0713% | 5,171 |
| Loan and lease loss provision to assets | 0.2091% | 931 |
| Net operating income to assets | 0.6847% | 3,792 |
| Return on assets (ROA) | 0.7819% | 3,444 |
| Pretax return on assets | 1.0803% | 3,169 |
| Return on Equity (ROE) | 6.5643% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.5643% | 2,097 |
| Net charge-offs to loans | -0.0115% | 4,588 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2134% | 4,088 |
| Assets per employee ($millions) | 8.0270% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4803% | 140 |
| Loan loss allowance to noncurrent loans | 139.2952% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 1.4294% | 1,450 |
| Noncurrent loans to loans | 2.4985% | 755 |
| Net loans and leases to total assets | 55.2194% | 4,335 |
| Net loans and leases to deposits | 62.8710% | 4,519 |
| Net loans and leases to core deposits | 80.6656% | 3,268 |
| Total domestic deposits to total assets | 87.8296% | 1,733 |
| Equity capital to assets | 11.9667% | 2,051 |
| Core capital (leverage) ratio | 11.7111% | 1,817 |
| Tier 1 risk-based capital ratio | 21.1319% | 1,300 |
| Total risk-based capital ratio | 22.4098% | 1,266 |
| Memoranda: | ||
| Average total assets | $183,649,500 | 3,167 |
| Average earning assets | $164,822,500 | 3,215 |
| Average equity | $21,876,000 | 3,033 |
| Average total loans | $104,108,000 | 3,353 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9710% | 3,429 |
| Cost of funding earning assets | 0.2052% | 5,239 |
| Net interest margin | 3.7659% | 2,500 |
| Noninterest income to average assets | 0.0888% | 5,907 |
| Noninterest expense to average assets | 2.1727% | 5,109 |
| Loan and lease loss provision to assets | 0.4877% | 235 |
| Net operating income to assets | 0.6025% | 4,256 |
| Return on assets (ROA) | 0.7301% | 3,769 |
| Pretax return on assets | 1.0414% | 3,303 |
| Return on Equity (ROE) | 5.8902% | 4,078 |
| Retained earnings to average equity (ytd only) | 3.9629% | 3,214 |
| Net charge-offs to loans | 0.5076% | 511 |
| Credit loss provision to net charge-offs | 156.6604% | 1,709 |
| Earnings coverage of net charge-offs (x) | 4.3265% | 3,573 |
| Efficiency ratio | 61.7325% | 4,650 |
| Assets per employee ($millions) | 7.9426% | 569 |
| Cash dividends to net income (ytd only)* | 32.7200% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4866% | 129 |
| Loan loss allowance to noncurrent loans | 158.9778% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.2317% | 1,748 |
| Noncurrent loans to loans | 2.1931% | 906 |
| Net loans and leases to total assets | 54.2027% | 4,484 |
| Net loans and leases to deposits | 61.5311% | 4,665 |
| Net loans and leases to core deposits | 78.5837% | 3,484 |
| Total domestic deposits to total assets | 88.0900% | 1,582 |
| Equity capital to assets | 11.8563% | 2,067 |
| Core capital (leverage) ratio | 11.7542% | 1,779 |
| Tier 1 risk-based capital ratio | 20.5260% | 1,376 |
| Total risk-based capital ratio | 21.8029% | 1,345 |
| Memoranda: | ||
| Average total assets | $171,215,200 | 3,287 |
| Average earning assets | $155,979,800 | 3,314 |
| Average equity | $21,221,600 | 3,046 |
| Average total loans | $104,997,000 | 3,299 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0235% | 3,243 |
| Cost of funding earning assets | 0.2043% | 5,341 |
| Net interest margin | 3.8192% | 2,307 |
| Noninterest income to average assets | 0.0942% | 5,980 |
| Noninterest expense to average assets | 2.0837% | 5,311 |
| Loan and lease loss provision to assets | 0.5900% | 159 |
| Net operating income to assets | 0.6864% | 3,962 |
| Return on assets (ROA) | 0.8165% | 3,434 |
| Pretax return on assets | 1.1056% | 3,199 |
| Return on Equity (ROE) | 6.5111% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.9281% | 3,669 |
| Net charge-offs to loans | 0.4710% | 531 |
| Credit loss provision to net charge-offs | 199.7319% | 1,341 |
| Earnings coverage of net charge-offs (x) | 5.1448% | 3,248 |
| Efficiency ratio | 57.8242% | 5,140 |
| Assets per employee ($millions) | 7.6683% | 630 |
| Cash dividends to net income (ytd only)* | 39.6703% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4949% | 151 |
| Loan loss allowance to noncurrent loans | 153.4708% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 1,729 |
| Noncurrent loans to loans | 2.2773% | 947 |
| Net loans and leases to total assets | 57.1140% | 4,233 |
| Net loans and leases to deposits | 65.1928% | 4,452 |
| Net loans and leases to core deposits | 88.6858% | 2,586 |
| Total domestic deposits to total assets | 87.6079% | 1,743 |
| Equity capital to assets | 12.1466% | 2,001 |
| Core capital (leverage) ratio | 12.1109% | 1,613 |
| Tier 1 risk-based capital ratio | 19.6928% | 1,624 |
| Total risk-based capital ratio | 20.9687% | 1,582 |
| Memoranda: | ||
| Average total assets | $168,349,250 | 3,360 |
| Average earning assets | $154,688,250 | 3,359 |
| Average equity | $21,112,250 | 3,080 |
| Average total loans | $105,597,750 | 3,311 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 2,837 |
| Cost of funding earning assets | 0.2020% | 5,420 |
| Net interest margin | 3.9145% | 1,929 |
| Noninterest income to average assets | 0.3332% | 4,573 |
| Noninterest expense to average assets | 2.1488% | 5,226 |
| Loan and lease loss provision to assets | 0.6627% | 130 |
| Net operating income to assets | 0.8450% | 3,148 |
| Return on assets (ROA) | 0.8450% | 3,257 |
| Pretax return on assets | 1.1480% | 2,978 |
| Return on Equity (ROE) | 6.6639% | 3,801 |
| Retained earnings to average equity (ytd only) | 2.7703% | 4,286 |
| Net charge-offs to loans | 0.6585% | 349 |
| Credit loss provision to net charge-offs | 157.3066% | 1,485 |
| Earnings coverage of net charge-offs (x) | 4.2980% | 3,061 |
| Efficiency ratio | 54.2683% | 5,560 |
| Assets per employee ($millions) | 7.3574% | 716 |
| Cash dividends to net income (ytd only)* | 58.4286% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3645% | 183 |
| Loan loss allowance to noncurrent loans | 144.1311% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.4248% | 1,755 |
| Noncurrent loans to loans | 2.3343% | 1,003 |
| Net loans and leases to total assets | 58.9820% | 3,979 |
| Net loans and leases to deposits | 67.5126% | 4,180 |
| Net loans and leases to core deposits | 91.5814% | 2,193 |
| Total domestic deposits to total assets | 87.3645% | 1,983 |
| Equity capital to assets | 12.4234% | 1,699 |
| Core capital (leverage) ratio | 12.1245% | 1,583 |
| Tier 1 risk-based capital ratio | 20.1759% | 1,509 |
| Total risk-based capital ratio | 21.4518% | 1,483 |
| Memoranda: | ||
| Average total assets | $165,675,670 | 3,411 |
| Average earning assets | $153,479,330 | 3,393 |
| Average equity | $21,008,670 | 3,110 |
| Average total loans | $106,003,670 | 3,324 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 2,698 |
| Cost of funding earning assets | 0.2001% | 5,510 |
| Net interest margin | 3.9333% | 1,779 |
| Noninterest income to average assets | 0.4735% | 3,481 |
| Noninterest expense to average assets | 2.3843% | 4,639 |
| Loan and lease loss provision to assets | 0.4710% | 227 |
| Net operating income to assets | 0.8737% | 2,877 |
| Return on assets (ROA) | 0.8737% | 3,002 |
| Pretax return on assets | 1.2642% | 2,406 |
| Return on Equity (ROE) | 6.8186% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.8186% | 2,091 |
| Net charge-offs to loans | -0.0298% | 5,245 |
| Credit loss provision to net charge-offs | -2,412.5000% | 5,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8791% | 5,351 |
| Assets per employee ($millions) | 7.1877% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2200% | 238 |
| Loan loss allowance to noncurrent loans | 144.8520% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 1,821 |
| Noncurrent loans to loans | 2.2229% | 1,133 |
| Net loans and leases to total assets | 63.1790% | 3,215 |
| Net loans and leases to deposits | 72.6064% | 3,479 |
| Net loans and leases to core deposits | 101.3458% | 1,231 |
| Total domestic deposits to total assets | 87.0158% | 2,359 |
| Equity capital to assets | 12.8372% | 1,490 |
| Core capital (leverage) ratio | 12.0517% | 1,610 |
| Tier 1 risk-based capital ratio | 17.4741% | 2,313 |
| Total risk-based capital ratio | 17.4741% | 2,759 |
| Memoranda: | ||
| Average total assets | $163,903,000 | 3,452 |
| Average earning assets | $151,934,500 | 3,432 |
| Average equity | $21,001,500 | 3,135 |
| Average total loans | $107,363,000 | 3,314 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 3,566 |
| Cost of funding earning assets | 0.2254% | 5,556 |
| Net interest margin | 3.8136% | 2,576 |
| Noninterest income to average assets | 0.1086% | 6,119 |
| Noninterest expense to average assets | 2.3129% | 5,079 |
| Loan and lease loss provision to assets | 0.4502% | 371 |
| Net operating income to assets | 0.5524% | 4,589 |
| Return on assets (ROA) | 0.7025% | 3,995 |
| Pretax return on assets | 0.9956% | 3,513 |
| Return on Equity (ROE) | 5.9671% | 4,167 |
| Retained earnings to average equity (ytd only) | 3.9781% | 3,386 |
| Net charge-offs to loans | 0.4856% | 856 |
| Credit loss provision to net charge-offs | 155.1308% | 1,564 |
| Earnings coverage of net charge-offs (x) | 4.2535% | 3,699 |
| Efficiency ratio | 65.2016% | 4,372 |
| Assets per employee ($millions) | 7.0648% | 819 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0663% | 276 |
| Loan loss allowance to noncurrent loans | 135.7232% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.4850% | 1,845 |
| Noncurrent loans to loans | 2.2592% | 1,159 |
| Net loans and leases to total assets | 63.7153% | 3,259 |
| Net loans and leases to deposits | 73.1880% | 3,527 |
| Net loans and leases to core deposits | 97.5548% | 1,587 |
| Total domestic deposits to total assets | 87.0570% | 2,248 |
| Equity capital to assets | 12.7891% | 1,471 |
| Core capital (leverage) ratio | 11.9268% | 1,677 |
| Tier 1 risk-based capital ratio | 18.0803% | 2,109 |
| Total risk-based capital ratio | 19.3502% | 2,069 |
| Memoranda: | ||
| Average total assets | $171,256,600 | 3,321 |
| Average earning assets | $154,422,600 | 3,375 |
| Average equity | $20,160,600 | 3,144 |
| Average total loans | $102,351,800 | 3,370 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 3,707 |
| Cost of funding earning assets | 0.2285% | 5,603 |
| Net interest margin | 3.7835% | 2,674 |
| Noninterest income to average assets | 0.1145% | 6,189 |
| Noninterest expense to average assets | 2.2362% | 5,268 |
| Loan and lease loss provision to assets | 0.4028% | 420 |
| Net operating income to assets | 0.5799% | 4,540 |
| Return on assets (ROA) | 0.7195% | 3,947 |
| Pretax return on assets | 1.0693% | 3,302 |
| Return on Equity (ROE) | 6.2381% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.5656% | 4,108 |
| Net charge-offs to loans | 0.5571% | 684 |
| Credit loss provision to net charge-offs | 123.8771% | 1,858 |
| Earnings coverage of net charge-offs (x) | 3.8865% | 3,576 |
| Efficiency ratio | 63.8919% | 4,563 |
| Assets per employee ($millions) | 7.6096% | 606 |
| Cash dividends to net income (ytd only)* | 42.8416% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0490% | 348 |
| Loan loss allowance to noncurrent loans | 129.7365% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 2,262 |
| Noncurrent loans to loans | 2.3502% | 1,268 |
| Net loans and leases to total assets | 56.3570% | 4,289 |
| Net loans and leases to deposits | 63.9966% | 4,536 |
| Net loans and leases to core deposits | 84.8110% | 2,798 |
| Total domestic deposits to total assets | 88.0625% | 1,729 |
| Equity capital to assets | 11.6598% | 2,353 |
| Core capital (leverage) ratio | 11.6265% | 1,959 |
| Tier 1 risk-based capital ratio | 18.5714% | 2,027 |
| Total risk-based capital ratio | 19.8402% | 1,990 |
| Memoranda: | ||
| Average total assets | $173,448,250 | 3,320 |
| Average earning assets | $155,194,750 | 3,379 |
| Average equity | $20,005,500 | 3,174 |
| Average total loans | $101,238,250 | 3,423 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 4,060 |
| Cost of funding earning assets | 0.2346% | 5,631 |
| Net interest margin | 3.6837% | 3,019 |
| Noninterest income to average assets | 0.1261% | 6,179 |
| Noninterest expense to average assets | 2.1269% | 5,567 |
| Loan and lease loss provision to assets | 0.4175% | 399 |
| Net operating income to assets | 0.5988% | 4,358 |
| Return on assets (ROA) | 0.7113% | 3,873 |
| Pretax return on assets | 1.0525% | 3,272 |
| Return on Equity (ROE) | 6.1897% | 4,055 |
| Retained earnings to average equity (ytd only) | 2.1538% | 4,818 |
| Net charge-offs to loans | 0.8628% | 429 |
| Credit loss provision to net charge-offs | 82.7982% | 2,297 |
| Earnings coverage of net charge-offs (x) | 2.5872% | 3,518 |
| Efficiency ratio | 61.9818% | 5,005 |
| Assets per employee ($millions) | 7.2057% | 725 |
| Cash dividends to net income (ytd only)* | 65.2033% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8698% | 447 |
| Loan loss allowance to noncurrent loans | 331.2571% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 4,402 |
| Noncurrent loans to loans | 0.8663% | 3,538 |
| Net loans and leases to total assets | 59.7357% | 3,767 |
| Net loans and leases to deposits | 68.1560% | 4,032 |
| Net loans and leases to core deposits | 93.4500% | 1,826 |
| Total domestic deposits to total assets | 87.6456% | 2,115 |
| Equity capital to assets | 12.0986% | 1,918 |
| Core capital (leverage) ratio | 11.6803% | 1,865 |
| Tier 1 risk-based capital ratio | 18.0910% | 2,209 |
| Total risk-based capital ratio | 19.3583% | 2,170 |
| Memoranda: | ||
| Average total assets | $172,924,330 | 3,341 |
| Average earning assets | $155,168,670 | 3,390 |
| Average equity | $19,871,670 | 3,182 |
| Average total loans | $101,071,670 | 3,435 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 4,401 |
| Cost of funding earning assets | 0.2449% | 5,635 |
| Net interest margin | 3.5745% | 3,365 |
| Noninterest income to average assets | 0.1564% | 6,033 |
| Noninterest expense to average assets | 1.9284% | 6,015 |
| Loan and lease loss provision to assets | 0.6073% | 219 |
| Net operating income to assets | 0.5928% | 4,228 |
| Return on assets (ROA) | 0.6934% | 3,798 |
| Pretax return on assets | 0.9313% | 3,588 |
| Return on Equity (ROE) | 6.1874% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.1874% | 2,438 |
| Net charge-offs to loans | 1.7567% | 165 |
| Credit loss provision to net charge-offs | 60.6335% | 2,093 |
| Earnings coverage of net charge-offs (x) | 1.4005% | 3,107 |
| Efficiency ratio | 57.8912% | 5,658 |
| Assets per employee ($millions) | 7.7299% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8345% | 518 |
| Loan loss allowance to noncurrent loans | 313.6515% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 4,634 |
| Noncurrent loans to loans | 0.9037% | 3,621 |
| Net loans and leases to total assets | 54.4879% | 4,351 |
| Net loans and leases to deposits | 61.4922% | 4,605 |
| Net loans and leases to core deposits | 86.0550% | 2,314 |
| Total domestic deposits to total assets | 88.6095% | 1,886 |
| Equity capital to assets | 11.2758% | 2,455 |
| Core capital (leverage) ratio | 11.4490% | 2,007 |
| Tier 1 risk-based capital ratio | 19.0492% | 1,951 |
| Total risk-based capital ratio | 20.3166% | 1,911 |
| Memoranda: | ||
| Average total assets | $176,521,500 | 3,315 |
| Average earning assets | $156,775,000 | 3,392 |
| Average equity | $19,782,000 | 3,190 |
| Average total loans | $100,645,000 | 3,453 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 4,444 |
| Cost of funding earning assets | 0.3134% | 5,481 |
| Net interest margin | 3.5910% | 3,500 |
| Noninterest income to average assets | 0.0944% | 6,409 |
| Noninterest expense to average assets | 2.3134% | 5,336 |
| Loan and lease loss provision to assets | 0.1517% | 2,382 |
| Net operating income to assets | 0.5858% | 4,329 |
| Return on assets (ROA) | 0.6325% | 4,214 |
| Pretax return on assets | 0.9282% | 3,653 |
| Return on Equity (ROE) | 5.4370% | 4,434 |
| Retained earnings to average equity (ytd only) | 3.4244% | 3,794 |
| Net charge-offs to loans | 0.7046% | 915 |
| Credit loss provision to net charge-offs | 36.0795% | 4,129 |
| Earnings coverage of net charge-offs (x) | 2.4048% | 4,205 |
| Efficiency ratio | 69.5832% | 3,907 |
| Assets per employee ($millions) | 7.6198% | 568 |
| Cash dividends to net income (ytd only)* | 37.0161% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9530% | 497 |
| Loan loss allowance to noncurrent loans | 136.1162% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5429% | 2,415 |
| Noncurrent loans to loans | 2.1695% | 1,808 |
| Net loans and leases to total assets | 56.2557% | 4,276 |
| Net loans and leases to deposits | 63.3785% | 4,575 |
| Net loans and leases to core deposits | 91.6341% | 1,829 |
| Total domestic deposits to total assets | 88.7615% | 1,771 |
| Equity capital to assets | 11.1363% | 2,493 |
| Core capital (leverage) ratio | 10.9968% | 2,390 |
| Tier 1 risk-based capital ratio | 18.3919% | 2,118 |
| Total risk-based capital ratio | 19.6601% | 2,070 |
| Memoranda: | ||
| Average total assets | $167,418,000 | 3,451 |
| Average earning assets | $150,597,200 | 3,489 |
| Average equity | $19,477,800 | 3,212 |
| Average total loans | $99,913,200 | 3,445 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,579 |
| Cost of funding earning assets | 0.3192% | 5,558 |
| Net interest margin | 3.5605% | 3,617 |
| Noninterest income to average assets | 0.0967% | 6,488 |
| Noninterest expense to average assets | 2.1620% | 5,696 |
| Loan and lease loss provision to assets | 0.1507% | 2,385 |
| Net operating income to assets | 0.6830% | 3,937 |
| Return on assets (ROA) | 0.7293% | 3,833 |
| Pretax return on assets | 1.0411% | 3,333 |
| Return on Equity (ROE) | 6.1981% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.5134% | 4,193 |
| Net charge-offs to loans | 0.6848% | 880 |
| Credit loss provision to net charge-offs | 36.5949% | 3,773 |
| Earnings coverage of net charge-offs (x) | 2.7338% | 3,924 |
| Efficiency ratio | 65.7598% | 4,528 |
| Assets per employee ($millions) | 7.6558% | 544 |
| Cash dividends to net income (ytd only)* | 43.3145% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1009% | 499 |
| Loan loss allowance to noncurrent loans | 184.5336% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.3397% | 2,962 |
| Noncurrent loans to loans | 1.6804% | 2,673 |
| Net loans and leases to total assets | 55.4764% | 4,398 |
| Net loans and leases to deposits | 62.4477% | 4,698 |
| Net loans and leases to core deposits | 97.0137% | 1,320 |
| Total domestic deposits to total assets | 88.8366% | 1,647 |
| Equity capital to assets | 11.0691% | 2,698 |
| Core capital (leverage) ratio | 11.4102% | 2,111 |
| Tier 1 risk-based capital ratio | 18.3599% | 2,192 |
| Total risk-based capital ratio | 19.6301% | 2,149 |
| Memoranda: | ||
| Average total assets | $165,458,750 | 3,516 |
| Average earning assets | $148,291,000 | 3,571 |
| Average equity | $19,468,000 | 3,248 |
| Average total loans | $99,493,750 | 3,487 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,992 |
| Cost of funding earning assets | 0.3221% | 5,645 |
| Net interest margin | 3.7113% | 2,913 |
| Noninterest income to average assets | 0.0963% | 6,539 |
| Noninterest expense to average assets | 2.2357% | 5,538 |
| Loan and lease loss provision to assets | 0.2026% | 1,872 |
| Net operating income to assets | 0.7016% | 3,800 |
| Return on assets (ROA) | 0.7621% | 3,657 |
| Pretax return on assets | 1.0734% | 3,200 |
| Return on Equity (ROE) | 6.3411% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.3268% | 3,522 |
| Net charge-offs to loans | 0.8359% | 746 |
| Credit loss provision to net charge-offs | 39.6135% | 3,425 |
| Earnings coverage of net charge-offs (x) | 2.3285% | 3,745 |
| Efficiency ratio | 65.2487% | 4,672 |
| Assets per employee ($millions) | 7.5254% | 554 |
| Cash dividends to net income (ytd only)* | 31.7666% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2359% | 470 |
| Loan loss allowance to noncurrent loans | 169.7613% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 1.5402% | 2,798 |
| Noncurrent loans to loans | 1.9062% | 2,497 |
| Net loans and leases to total assets | 57.7985% | 4,022 |
| Net loans and leases to deposits | 65.5178% | 4,319 |
| Net loans and leases to core deposits | 104.7693% | 805 |
| Total domestic deposits to total assets | 88.2180% | 2,096 |
| Equity capital to assets | 11.7300% | 2,102 |
| Core capital (leverage) ratio | 11.9047% | 1,668 |
| Tier 1 risk-based capital ratio | 18.4796% | 2,150 |
| Total risk-based capital ratio | 19.7510% | 2,101 |
| Memoranda: | ||
| Average total assets | $161,917,000 | 3,581 |
| Average earning assets | $145,284,670 | 3,642 |
| Average equity | $19,460,330 | 3,266 |
| Average total loans | $99,054,670 | 3,514 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 3,840 |
| Cost of funding earning assets | 0.3189% | 5,813 |
| Net interest margin | 3.7518% | 2,652 |
| Noninterest income to average assets | 0.0874% | 6,624 |
| Noninterest expense to average assets | 2.3311% | 5,337 |
| Loan and lease loss provision to assets | 0.1049% | 2,935 |
| Net operating income to assets | 0.7733% | 3,317 |
| Return on assets (ROA) | 0.7845% | 3,379 |
| Pretax return on assets | 1.0469% | 3,160 |
| Return on Equity (ROE) | 6.4475% | 3,793 |
| Retained earnings to average equity (ytd only) | 2.4229% | 4,817 |
| Net charge-offs to loans | 0.4721% | 1,268 |
| Credit loss provision to net charge-offs | 35.8974% | 2,801 |
| Earnings coverage of net charge-offs (x) | 3.8889% | 2,651 |
| Efficiency ratio | 67.2190% | 4,460 |
| Assets per employee ($millions) | 7.3517% | 647 |
| Cash dividends to net income (ytd only)* | 62.4204% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3971% | 463 |
| Loan loss allowance to noncurrent loans | 142.2250% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.8783% | 2,508 |
| Noncurrent loans to loans | 2.3886% | 2,175 |
| Net loans and leases to total assets | 59.3386% | 3,547 |
| Net loans and leases to deposits | 67.5590% | 3,825 |
| Net loans and leases to core deposits | 101.3325% | 868 |
| Total domestic deposits to total assets | 87.8322% | 2,431 |
| Equity capital to assets | 12.0776% | 1,987 |
| Core capital (leverage) ratio | 12.1750% | 1,473 |
| Tier 1 risk-based capital ratio | 14.8125% | 3,959 |
| Total risk-based capital ratio | 16.0786% | 3,917 |
| Memoranda: | ||
| Average total assets | $160,096,500 | 3,645 |
| Average earning assets | $144,250,000 | 3,694 |
| Average equity | $19,480,500 | 3,317 |
| Average total loans | $99,137,000 | 3,530 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 5,155 |
| Cost of funding earning assets | 0.4321% | 5,705 |
| Net interest margin | 3.6153% | 4,020 |
| Noninterest income to average assets | 0.2121% | 5,903 |
| Noninterest expense to average assets | 2.3332% | 5,605 |
| Loan and lease loss provision to assets | 0.5040% | 1,175 |
| Net operating income to assets | 0.3980% | 5,109 |
| Return on assets (ROA) | 0.6260% | 4,374 |
| Pretax return on assets | 0.8302% | 4,179 |
| Return on Equity (ROE) | 5.4529% | 4,450 |
| Retained earnings to average equity (ytd only) | 3.3963% | 3,839 |
| Net charge-offs to loans | 1.6158% | 528 |
| Credit loss provision to net charge-offs | 51.9827% | 4,647 |
| Earnings coverage of net charge-offs (x) | 1.0626% | 4,930 |
| Efficiency ratio | 69.3695% | 3,916 |
| Assets per employee ($millions) | 7.2025% | 711 |
| Cash dividends to net income (ytd only)* | 37.7159% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4875% | 430 |
| Loan loss allowance to noncurrent loans | 99.4523% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 2.6089% | 1,864 |
| Noncurrent loans to loans | 3.5067% | 1,423 |
| Net loans and leases to total assets | 60.2543% | 3,560 |
| Net loans and leases to deposits | 68.7768% | 3,867 |
| Net loans and leases to core deposits | 101.7174% | 905 |
| Total domestic deposits to total assets | 87.6085% | 2,474 |
| Equity capital to assets | 12.2603% | 1,885 |
| Core capital (leverage) ratio | 11.2803% | 2,027 |
| Tier 1 risk-based capital ratio | 18.3748% | 2,147 |
| Total risk-based capital ratio | 19.6495% | 2,099 |
| Memoranda: | ||
| Average total assets | $166,464,400 | 3,510 |
| Average earning assets | $145,107,000 | 3,637 |
| Average equity | $19,109,200 | 3,317 |
| Average total loans | $99,888,000 | 3,525 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 5,306 |
| Cost of funding earning assets | 0.4506% | 5,793 |
| Net interest margin | 3.6140% | 4,173 |
| Noninterest income to average assets | 0.2770% | 5,564 |
| Noninterest expense to average assets | 2.2453% | 5,831 |
| Loan and lease loss provision to assets | 0.5461% | 1,070 |
| Net operating income to assets | 0.4679% | 4,963 |
| Return on assets (ROA) | 0.7250% | 4,050 |
| Pretax return on assets | 0.9703% | 3,821 |
| Return on Equity (ROE) | 6.4178% | 4,111 |
| Retained earnings to average equity (ytd only) | 1.9127% | 5,378 |
| Net charge-offs to loans | 1.5513% | 547 |
| Credit loss provision to net charge-offs | 59.2275% | 4,157 |
| Earnings coverage of net charge-offs (x) | 1.2730% | 4,649 |
| Efficiency ratio | 65.6713% | 4,510 |
| Assets per employee ($millions) | 7.7101% | 535 |
| Cash dividends to net income (ytd only)* | 70.1965% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8446% | 348 |
| Loan loss allowance to noncurrent loans | 111.1770% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.9885% | 2,656 |
| Noncurrent loans to loans | 3.4581% | 1,573 |
| Net loans and leases to total assets | 55.2926% | 4,555 |
| Net loans and leases to deposits | 62.4461% | 4,908 |
| Net loans and leases to core deposits | 93.1380% | 1,671 |
| Total domestic deposits to total assets | 88.5446% | 1,697 |
| Equity capital to assets | 11.2414% | 2,991 |
| Core capital (leverage) ratio | 10.9307% | 2,459 |
| Tier 1 risk-based capital ratio | 18.1591% | 2,282 |
| Total risk-based capital ratio | 19.4381% | 2,245 |
| Memoranda: | ||
| Average total assets | $168,466,750 | 3,516 |
| Average earning assets | $146,462,250 | 3,651 |
| Average equity | $19,029,750 | 3,357 |
| Average total loans | $100,128,500 | 3,554 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 5,073 |
| Cost of funding earning assets | 0.4790% | 5,766 |
| Net interest margin | 3.6845% | 3,902 |
| Noninterest income to average assets | 0.0750% | 6,774 |
| Noninterest expense to average assets | 2.3179% | 5,682 |
| Loan and lease loss provision to assets | 0.5902% | 1,016 |
| Net operating income to assets | 0.2466% | 5,774 |
| Return on assets (ROA) | 0.5545% | 4,840 |
| Pretax return on assets | 0.7246% | 4,757 |
| Return on Equity (ROE) | 4.9009% | 4,849 |
| Retained earnings to average equity (ytd only) | 2.8501% | 4,726 |
| Net charge-offs to loans | 1.2298% | 875 |
| Credit loss provision to net charge-offs | 79.8712% | 3,323 |
| Earnings coverage of net charge-offs (x) | 1.2383% | 4,389 |
| Efficiency ratio | 71.6967% | 3,486 |
| Assets per employee ($millions) | 7.9445% | 480 |
| Cash dividends to net income (ytd only)* | 41.8455% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0304% | 334 |
| Loan loss allowance to noncurrent loans | 108.1794% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 2.1684% | 2,583 |
| Noncurrent loans to loans | 3.7256% | 1,516 |
| Net loans and leases to total assets | 55.8576% | 4,490 |
| Net loans and leases to deposits | 62.7425% | 4,910 |
| Net loans and leases to core deposits | 91.8990% | 1,790 |
| Total domestic deposits to total assets | 89.0268% | 1,486 |
| Equity capital to assets | 10.8691% | 3,265 |
| Core capital (leverage) ratio | 11.0678% | 2,235 |
| Tier 1 risk-based capital ratio | 18.6416% | 2,087 |
| Total risk-based capital ratio | 19.9263% | 2,034 |
| Memoranda: | ||
| Average total assets | $168,081,330 | 3,531 |
| Average earning assets | $144,061,670 | 3,714 |
| Average equity | $19,017,000 | 3,353 |
| Average total loans | $100,991,670 | 3,545 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 4,623 |
| Cost of funding earning assets | 0.5053% | 5,781 |
| Net interest margin | 3.8226% | 3,279 |
| Noninterest income to average assets | 0.1117% | 6,686 |
| Noninterest expense to average assets | 2.1538% | 6,147 |
| Loan and lease loss provision to assets | 0.6119% | 928 |
| Net operating income to assets | 0.4223% | 5,156 |
| Return on assets (ROA) | 0.7964% | 3,634 |
| Pretax return on assets | 1.1243% | 3,223 |
| Return on Equity (ROE) | 6.8955% | 3,836 |
| Retained earnings to average equity (ytd only) | 2.7330% | 4,890 |
| Net charge-offs to loans | 1.1011% | 934 |
| Credit loss provision to net charge-offs | 90.9747% | 2,529 |
| Earnings coverage of net charge-offs (x) | 1.7978% | 3,438 |
| Efficiency ratio | 64.0433% | 4,916 |
| Assets per employee ($millions) | 7.1923% | 681 |
| Cash dividends to net income (ytd only)* | 60.3659% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2176% | 311 |
| Loan loss allowance to noncurrent loans | 106.3291% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 2.2883% | 2,601 |
| Noncurrent loans to loans | 3.9666% | 1,545 |
| Net loans and leases to total assets | 55.2574% | 4,517 |
| Net loans and leases to deposits | 62.1159% | 4,899 |
| Net loans and leases to core deposits | 91.4593% | 1,706 |
| Total domestic deposits to total assets | 88.9586% | 1,721 |
| Equity capital to assets | 10.9748% | 2,933 |
| Core capital (leverage) ratio | 11.6319% | 1,813 |
| Tier 1 risk-based capital ratio | 17.9657% | 2,306 |
| Total risk-based capital ratio | 19.2503% | 2,264 |
| Memoranda: | ||
| Average total assets | $164,732,000 | 3,604 |
| Average earning assets | $140,112,500 | 3,812 |
| Average equity | $19,027,000 | 3,346 |
| Average total loans | $100,623,500 | 3,581 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 1,977 |
| Cost of funding earning assets | 0.9568% | 3,675 |
| Net interest margin | 4.2652% | 1,824 |
| Noninterest income to average assets | 0.0943% | 6,664 |
| Noninterest expense to average assets | 2.4312% | 5,696 |
| Loan and lease loss provision to assets | 0.6308% | 1,618 |
| Net operating income to assets | 0.4074% | 4,828 |
| Return on assets (ROA) | 0.7399% | 3,466 |
| Pretax return on assets | 1.0235% | 3,150 |
| Return on Equity (ROE) | 6.3745% | 3,705 |
| Retained earnings to average equity (ytd only) | 3.0704% | 4,043 |
| Net charge-offs to loans | 1.3449% | 1,226 |
| Credit loss provision to net charge-offs | 70.6492% | 4,821 |
| Earnings coverage of net charge-offs (x) | 1.3356% | 4,773 |
| Efficiency ratio | 67.0921% | 4,557 |
| Assets per employee ($millions) | 6.5354% | 936 |
| Cash dividends to net income (ytd only)* | 51.8333% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1558% | 340 |
| Loan loss allowance to noncurrent loans | 130.9671% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 2.0567% | 2,893 |
| Noncurrent loans to loans | 3.1732% | 2,041 |
| Net loans and leases to total assets | 62.1230% | 3,582 |
| Net loans and leases to deposits | 70.8861% | 3,968 |
| Net loans and leases to core deposits | 106.2978% | 784 |
| Total domestic deposits to total assets | 87.6379% | 2,378 |
| Equity capital to assets | 12.1836% | 1,982 |
| Core capital (leverage) ratio | 11.1588% | 2,153 |
| Tier 1 risk-based capital ratio | 17.7713% | 2,270 |
| Total risk-based capital ratio | 19.0554% | 2,238 |
| Memoranda: | ||
| Average total assets | $162,186,400 | 3,604 |
| Average earning assets | $134,202,000 | 3,850 |
| Average equity | $18,825,000 | 3,306 |
| Average total loans | $107,669,200 | 3,435 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 2,112 |
| Cost of funding earning assets | 1.0167% | 3,555 |
| Net interest margin | 4.2078% | 2,065 |
| Noninterest income to average assets | 0.0962% | 6,765 |
| Noninterest expense to average assets | 2.2879% | 6,068 |
| Loan and lease loss provision to assets | 0.6515% | 1,509 |
| Net operating income to assets | 0.4743% | 4,660 |
| Return on assets (ROA) | 0.8211% | 3,222 |
| Pretax return on assets | 1.0983% | 3,022 |
| Return on Equity (ROE) | 7.1593% | 3,447 |
| Retained earnings to average equity (ytd only) | 4.3439% | 3,638 |
| Net charge-offs to loans | 1.1285% | 1,403 |
| Credit loss provision to net charge-offs | 86.4719% | 3,902 |
| Earnings coverage of net charge-offs (x) | 1.7089% | 4,376 |
| Efficiency ratio | 63.9909% | 5,070 |
| Assets per employee ($millions) | 6.9892% | 739 |
| Cash dividends to net income (ytd only)* | 39.3251% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1740% | 350 |
| Loan loss allowance to noncurrent loans | 98.4980% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 2.7388% | 2,369 |
| Noncurrent loans to loans | 4.2377% | 1,545 |
| Net loans and leases to total assets | 61.9310% | 3,742 |
| Net loans and leases to deposits | 70.4029% | 4,237 |
| Net loans and leases to core deposits | 109.3022% | 707 |
| Total domestic deposits to total assets | 87.9665% | 2,050 |
| Equity capital to assets | 11.4624% | 2,718 |
| Core capital (leverage) ratio | 11.1393% | 2,290 |
| Tier 1 risk-based capital ratio | 18.3765% | 2,125 |
| Total risk-based capital ratio | 19.6651% | 2,081 |
| Memoranda: | ||
| Average total assets | $163,520,500 | 3,615 |
| Average earning assets | $135,204,250 | 3,857 |
| Average equity | $18,753,750 | 3,318 |
| Average total loans | $109,170,250 | 3,431 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2632% | 2,015 |
| Cost of funding earning assets | 1.0245% | 3,787 |
| Net interest margin | 4.2387% | 1,882 |
| Noninterest income to average assets | 0.0999% | 6,825 |
| Noninterest expense to average assets | 2.2552% | 6,230 |
| Loan and lease loss provision to assets | 0.5848% | 1,656 |
| Net operating income to assets | 0.5843% | 4,136 |
| Return on assets (ROA) | 0.8007% | 3,197 |
| Pretax return on assets | 1.0844% | 2,918 |
| Return on Equity (ROE) | 6.9800% | 3,457 |
| Retained earnings to average equity (ytd only) | 4.8505% | 3,088 |
| Net charge-offs to loans | 1.1405% | 1,373 |
| Credit loss provision to net charge-offs | 75.9615% | 3,886 |
| Earnings coverage of net charge-offs (x) | 1.7885% | 3,974 |
| Efficiency ratio | 62.0924% | 5,571 |
| Assets per employee ($millions) | 6.8072% | 807 |
| Cash dividends to net income (ytd only)* | 30.5085% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1085% | 386 |
| Loan loss allowance to noncurrent loans | 93.1677% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 2.9564% | 2,267 |
| Noncurrent loans to loans | 4.4098% | 1,521 |
| Net loans and leases to total assets | 64.2883% | 3,400 |
| Net loans and leases to deposits | 73.0952% | 3,934 |
| Net loans and leases to core deposits | 115.2873% | 533 |
| Total domestic deposits to total assets | 87.9514% | 2,166 |
| Equity capital to assets | 11.5766% | 2,433 |
| Core capital (leverage) ratio | 11.2743% | 2,062 |
| Tier 1 risk-based capital ratio | 17.4434% | 2,358 |
| Total risk-based capital ratio | 18.7301% | 2,317 |
| Memoranda: | ||
| Average total assets | $162,114,000 | 3,651 |
| Average earning assets | $135,088,670 | 3,883 |
| Average equity | $18,596,000 | 3,317 |
| Average total loans | $109,424,330 | 3,470 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3157% | 1,817 |
| Cost of funding earning assets | 0.9751% | 4,390 |
| Net interest margin | 4.3406% | 1,447 |
| Noninterest income to average assets | 0.1016% | 6,906 |
| Noninterest expense to average assets | 2.2120% | 6,397 |
| Loan and lease loss provision to assets | 0.7852% | 1,087 |
| Net operating income to assets | 0.5631% | 4,221 |
| Return on assets (ROA) | 0.7505% | 3,332 |
| Pretax return on assets | 0.9611% | 3,282 |
| Return on Equity (ROE) | 6.5736% | 3,593 |
| Retained earnings to average equity (ytd only) | 2.2780% | 4,787 |
| Net charge-offs to loans | 2.1651% | 574 |
| Credit loss provision to net charge-offs | 53.5473% | 3,681 |
| Earnings coverage of net charge-offs (x) | 1.0270% | 3,888 |
| Efficiency ratio | 59.4937% | 6,057 |
| Assets per employee ($millions) | 7.0160% | 730 |
| Cash dividends to net income (ytd only)* | 65.3465% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0116% | 417 |
| Loan loss allowance to noncurrent loans | 102.4830% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 2.6455% | 2,600 |
| Noncurrent loans to loans | 3.9144% | 1,876 |
| Net loans and leases to total assets | 64.8726% | 3,268 |
| Net loans and leases to deposits | 73.4788% | 3,851 |
| Net loans and leases to core deposits | 117.6095% | 485 |
| Total domestic deposits to total assets | 88.2876% | 2,198 |
| Equity capital to assets | 11.4615% | 2,305 |
| Core capital (leverage) ratio | 11.2110% | 2,022 |
| Tier 1 risk-based capital ratio | 17.0368% | 2,454 |
| Total risk-based capital ratio | 18.3217% | 2,421 |
| Memoranda: | ||
| Average total assets | $161,485,000 | 3,683 |
| Average earning assets | $134,544,000 | 3,924 |
| Average equity | $18,437,500 | 3,336 |
| Average total loans | $109,372,000 | 3,514 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4704% | 2,397 |
| Cost of funding earning assets | 1.0719% | 5,302 |
| Net interest margin | 4.3986% | 1,478 |
| Noninterest income to average assets | 0.1289% | 6,753 |
| Noninterest expense to average assets | 2.5086% | 5,763 |
| Loan and lease loss provision to assets | 0.9296% | 1,751 |
| Net operating income to assets | 0.3986% | 4,544 |
| Return on assets (ROA) | 0.6946% | 3,378 |
| Pretax return on assets | 0.9523% | 3,098 |
| Return on Equity (ROE) | 6.0662% | 3,576 |
| Retained earnings to average equity (ytd only) | 3.9417% | 3,105 |
| Net charge-offs to loans | 0.7232% | 2,847 |
| Credit loss provision to net charge-offs | 178.4077% | 1,859 |
| Earnings coverage of net charge-offs (x) | 2.8335% | 3,659 |
| Efficiency ratio | 62.9495% | 5,525 |
| Assets per employee ($millions) | 7.0262% | 731 |
| Cash dividends to net income (ytd only)* | 35.0226% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2394% | 323 |
| Loan loss allowance to noncurrent loans | 94.6083% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 3.0414% | 2,319 |
| Noncurrent loans to loans | 4.4810% | 1,583 |
| Net loans and leases to total assets | 64.9963% | 3,666 |
| Net loans and leases to deposits | 73.7954% | 4,230 |
| Net loans and leases to core deposits | 113.5500% | 743 |
| Total domestic deposits to total assets | 88.0763% | 2,204 |
| Equity capital to assets | 11.3736% | 2,357 |
| Core capital (leverage) ratio | 10.6317% | 2,432 |
| Tier 1 risk-based capital ratio | 13.4637% | 4,236 |
| Total risk-based capital ratio | 14.7404% | 4,185 |
| Memoranda: | ||
| Average total assets | $159,095,000 | 3,715 |
| Average earning assets | $139,477,200 | 3,830 |
| Average equity | $18,215,600 | 3,395 |
| Average total loans | $114,627,200 | 3,437 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5130% | 2,384 |
| Cost of funding earning assets | 1.0691% | 5,597 |
| Net interest margin | 4.4439% | 1,390 |
| Noninterest income to average assets | 0.1388% | 6,859 |
| Noninterest expense to average assets | 2.3701% | 6,112 |
| Loan and lease loss provision to assets | 0.9289% | 1,619 |
| Net operating income to assets | 0.5522% | 4,084 |
| Return on assets (ROA) | 0.8414% | 2,967 |
| Pretax return on assets | 1.1779% | 2,574 |
| Return on Equity (ROE) | 7.3361% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.4970% | 3,351 |
| Net charge-offs to loans | 0.8677% | 2,278 |
| Credit loss provision to net charge-offs | 146.4191% | 2,685 |
| Earnings coverage of net charge-offs (x) | 2.6790% | 3,809 |
| Efficiency ratio | 58.2386% | 6,234 |
| Assets per employee ($millions) | 7.0019% | 772 |
| Cash dividends to net income (ytd only)* | 38.7002% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8640% | 413 |
| Loan loss allowance to noncurrent loans | 312.5000% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 5,439 |
| Noncurrent loans to loans | 1.2365% | 4,782 |
| Net loans and leases to total assets | 64.4032% | 4,043 |
| Net loans and leases to deposits | 72.9715% | 4,696 |
| Net loans and leases to core deposits | 124.2560% | 493 |
| Total domestic deposits to total assets | 88.2580% | 1,823 |
| Equity capital to assets | 11.0654% | 2,895 |
| Core capital (leverage) ratio | 10.5434% | 2,643 |
| Tier 1 risk-based capital ratio | 12.9849% | 4,590 |
| Total risk-based capital ratio | 14.2580% | 4,548 |
| Memoranda: | ||
| Average total assets | $158,468,000 | 3,790 |
| Average earning assets | $140,173,500 | 3,869 |
| Average equity | $18,174,500 | 3,446 |
| Average total loans | $115,862,500 | 3,453 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5725% | 2,242 |
| Cost of funding earning assets | 1.0298% | 6,002 |
| Net interest margin | 4.5427% | 1,113 |
| Noninterest income to average assets | 0.1481% | 6,837 |
| Noninterest expense to average assets | 2.4537% | 5,902 |
| Loan and lease loss provision to assets | 0.7612% | 1,886 |
| Net operating income to assets | 0.6778% | 3,496 |
| Return on assets (ROA) | 0.7934% | 3,149 |
| Pretax return on assets | 1.1798% | 2,479 |
| Return on Equity (ROE) | 6.8314% | 3,381 |
| Retained earnings to average equity (ytd only) | 4.7354% | 3,059 |
| Net charge-offs to loans | 0.4976% | 3,047 |
| Credit loss provision to net charge-offs | 203.0928% | 1,924 |
| Earnings coverage of net charge-offs (x) | 4.7182% | 2,868 |
| Efficiency ratio | 58.1147% | 6,362 |
| Assets per employee ($millions) | 7.1486% | 720 |
| Cash dividends to net income (ytd only)* | 30.6818% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6739% | 481 |
| Loan loss allowance to noncurrent loans | 213.7177% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 4,690 |
| Noncurrent loans to loans | 1.7190% | 4,109 |
| Net loans and leases to total assets | 68.5714% | 3,231 |
| Net loans and leases to deposits | 77.8461% | 4,002 |
| Net loans and leases to core deposits | 138.1350% | 305 |
| Total domestic deposits to total assets | 88.0858% | 1,953 |
| Equity capital to assets | 11.2239% | 2,666 |
| Core capital (leverage) ratio | 10.8768% | 2,343 |
| Tier 1 risk-based capital ratio | 11.9329% | 5,369 |
| Total risk-based capital ratio | 13.1975% | 5,324 |
| Memoranda: | ||
| Average total assets | $155,275,330 | 3,867 |
| Average earning assets | $139,255,670 | 3,917 |
| Average equity | $18,034,330 | 3,462 |
| Average total loans | $116,957,670 | 3,460 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4576% | 2,793 |
| Cost of funding earning assets | 0.9845% | 6,442 |
| Net interest margin | 4.4731% | 1,204 |
| Noninterest income to average assets | 0.1539% | 6,867 |
| Noninterest expense to average assets | 2.4286% | 5,987 |
| Loan and lease loss provision to assets | 0.7724% | 1,638 |
| Net operating income to assets | 0.7366% | 3,275 |
| Return on assets (ROA) | 0.8042% | 3,041 |
| Pretax return on assets | 1.2024% | 2,351 |
| Return on Equity (ROE) | 6.7996% | 3,449 |
| Retained earnings to average equity (ytd only) | 2.5583% | 4,601 |
| Net charge-offs to loans | 0.0547% | 4,855 |
| Credit loss provision to net charge-offs | 1,818.7500% | 278 |
| Earnings coverage of net charge-offs (x) | 44.1250% | 626 |
| Efficiency ratio | 56.4466% | 6,705 |
| Assets per employee ($millions) | 6.3600% | 1,064 |
| Cash dividends to net income (ytd only)* | 62.3762% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6631% | 482 |
| Loan loss allowance to noncurrent loans | 167.3190% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 3,961 |
| Noncurrent loans to loans | 2.1893% | 3,541 |
| Net loans and leases to total assets | 73.6570% | 2,044 |
| Net loans and leases to deposits | 83.8686% | 2,959 |
| Net loans and leases to core deposits | 149.2044% | 250 |
| Total domestic deposits to total assets | 87.8243% | 2,158 |
| Equity capital to assets | 11.7577% | 2,196 |
| Core capital (leverage) ratio | 11.4803% | 1,921 |
| Tier 1 risk-based capital ratio | 12.7273% | 4,533 |
| Total risk-based capital ratio | 13.9932% | 4,484 |
| Memoranda: | ||
| Average total assets | $150,704,500 | 3,999 |
| Average earning assets | $139,769,000 | 3,970 |
| Average equity | $17,824,500 | 3,516 |
| Average total loans | $116,915,000 | 3,519 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5049% | 4,117 |
| Cost of funding earning assets | 1.2065% | 6,636 |
| Net interest margin | 4.2984% | 1,727 |
| Noninterest income to average assets | 0.1720% | 6,847 |
| Noninterest expense to average assets | 2.4223% | 6,399 |
| Loan and lease loss provision to assets | 0.8822% | 2,545 |
| Net operating income to assets | 0.6171% | 3,268 |
| Return on assets (ROA) | 0.6587% | 3,156 |
| Pretax return on assets | 0.9323% | 2,820 |
| Return on Equity (ROE) | 5.8846% | 3,261 |
| Retained earnings to average equity (ytd only) | 3.6844% | 2,610 |
| Net charge-offs to loans | 0.8978% | 2,595 |
| Credit loss provision to net charge-offs | 128.4630% | 4,014 |
| Earnings coverage of net charge-offs (x) | 2.5569% | 3,840 |
| Efficiency ratio | 57.9760% | 6,759 |
| Assets per employee ($millions) | 6.4682% | 1,003 |
| Cash dividends to net income (ytd only)* | 37.3887% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4152% | 566 |
| Loan loss allowance to noncurrent loans | 188.3239% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 1.4277% | 4,275 |
| Noncurrent loans to loans | 1.8134% | 3,908 |
| Net loans and leases to total assets | 76.0407% | 1,789 |
| Net loans and leases to deposits | 86.7390% | 2,790 |
| Net loans and leases to core deposits | 173.9823% | 207 |
| Total domestic deposits to total assets | 87.6661% | 2,139 |
| Equity capital to assets | 11.8990% | 2,083 |
| Core capital (leverage) ratio | 10.9417% | 2,258 |
| Tier 1 risk-based capital ratio | 13.2673% | 3,976 |
| Total risk-based capital ratio | 14.5326% | 3,902 |
| Memoranda: | ||
| Average total assets | $153,487,600 | 3,907 |
| Average earning assets | $143,054,000 | 3,836 |
| Average equity | $17,180,400 | 3,639 |
| Average total loans | $117,404,400 | 3,539 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 4,321 |
| Cost of funding earning assets | 1.2258% | 6,819 |
| Net interest margin | 4.2940% | 1,743 |
| Noninterest income to average assets | 0.1741% | 6,968 |
| Noninterest expense to average assets | 2.1956% | 6,991 |
| Loan and lease loss provision to assets | 1.0388% | 1,848 |
| Net operating income to assets | 0.6608% | 3,350 |
| Return on assets (ROA) | 0.7241% | 3,192 |
| Pretax return on assets | 1.0345% | 2,795 |
| Return on Equity (ROE) | 6.5687% | 3,272 |
| Retained earnings to average equity (ytd only) | 3.6128% | 3,266 |
| Net charge-offs to loans | 0.9420% | 2,088 |
| Credit loss provision to net charge-offs | 145.1807% | 3,349 |
| Earnings coverage of net charge-offs (x) | 2.7711% | 3,843 |
| Efficiency ratio | 52.5480% | 7,367 |
| Assets per employee ($millions) | 6.7227% | 887 |
| Cash dividends to net income (ytd only)* | 45.0003% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5248% | 409 |
| Loan loss allowance to noncurrent loans | 177.3281% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 1.4862% | 4,148 |
| Noncurrent loans to loans | 1.9878% | 3,659 |
| Net loans and leases to total assets | 72.1322% | 3,005 |
| Net loans and leases to deposits | 81.7607% | 4,067 |
| Net loans and leases to core deposits | 197.3756% | 110 |
| Total domestic deposits to total assets | 88.2236% | 1,549 |
| Equity capital to assets | 11.3508% | 2,712 |
| Core capital (leverage) ratio | 11.1483% | 2,303 |
| Tier 1 risk-based capital ratio | 13.0558% | 4,149 |
| Total risk-based capital ratio | 14.3279% | 4,073 |
| Memoranda: | ||
| Average total assets | $154,667,250 | 3,899 |
| Average earning assets | $144,230,250 | 3,835 |
| Average equity | $17,050,000 | 3,693 |
| Average total loans | $117,474,250 | 3,565 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5117% | 4,562 |
| Cost of funding earning assets | 1.2342% | 7,005 |
| Net interest margin | 4.2775% | 1,712 |
| Noninterest income to average assets | 0.1771% | 7,029 |
| Noninterest expense to average assets | 2.0843% | 7,305 |
| Loan and lease loss provision to assets | 1.2930% | 1,326 |
| Net operating income to assets | 0.5498% | 3,881 |
| Return on assets (ROA) | 0.7784% | 3,041 |
| Pretax return on assets | 1.1469% | 2,477 |
| Return on Equity (ROE) | 7.1314% | 3,150 |
| Retained earnings to average equity (ytd only) | 4.8925% | 2,570 |
| Net charge-offs to loans | 1.6512% | 1,144 |
| Credit loss provision to net charge-offs | 102.5641% | 4,458 |
| Earnings coverage of net charge-offs (x) | 1.6687% | 4,296 |
| Efficiency ratio | 49.7684% | 7,685 |
| Assets per employee ($millions) | 6.6248% | 917 |
| Cash dividends to net income (ytd only)* | 31.3953% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2126% | 480 |
| Loan loss allowance to noncurrent loans | 157.0405% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 1.5567% | 3,889 |
| Noncurrent loans to loans | 2.0457% | 3,453 |
| Net loans and leases to total assets | 73.6536% | 2,799 |
| Net loans and leases to deposits | 83.6409% | 3,949 |
| Net loans and leases to core deposits | 207.3613% | 100 |
| Total domestic deposits to total assets | 88.0593% | 1,735 |
| Equity capital to assets | 11.2148% | 2,744 |
| Core capital (leverage) ratio | 11.1469% | 2,295 |
| Tier 1 risk-based capital ratio | 13.2192% | 3,987 |
| Total risk-based capital ratio | 14.4860% | 3,894 |
| Memoranda: | ||
| Average total assets | $154,682,000 | 3,928 |
| Average earning assets | $145,038,000 | 3,841 |
| Average equity | $16,883,000 | 3,738 |
| Average total loans | $118,096,330 | 3,576 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5852% | 4,449 |
| Cost of funding earning assets | 1.2654% | 7,133 |
| Net interest margin | 4.3199% | 1,547 |
| Noninterest income to average assets | 0.1797% | 7,011 |
| Noninterest expense to average assets | 1.9687% | 7,416 |
| Loan and lease loss provision to assets | 1.2551% | 1,017 |
| Net operating income to assets | 0.6514% | 3,794 |
| Return on assets (ROA) | 0.7700% | 3,431 |
| Pretax return on assets | 1.1550% | 2,786 |
| Return on Equity (ROE) | 7.1512% | 3,531 |
| Retained earnings to average equity (ytd only) | 2.6459% | 4,409 |
| Net charge-offs to loans | 1.1379% | 1,209 |
| Credit loss provision to net charge-offs | 144.2478% | 2,851 |
| Earnings coverage of net charge-offs (x) | 2.5664% | 3,472 |
| Efficiency ratio | 46.8540% | 7,801 |
| Assets per employee ($millions) | 6.6110% | 911 |
| Cash dividends to net income (ytd only)* | 63.0000% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3004% | 376 |
| Loan loss allowance to noncurrent loans | 135.6111% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.8671% | 3,118 |
| Noncurrent loans to loans | 2.4338% | 2,707 |
| Net loans and leases to total assets | 74.1853% | 2,712 |
| Net loans and leases to deposits | 83.8738% | 4,005 |
| Net loans and leases to core deposits | 198.4012% | 147 |
| Total domestic deposits to total assets | 88.4488% | 1,509 |
| Equity capital to assets | 11.0711% | 2,905 |
| Core capital (leverage) ratio | 10.7368% | 2,711 |
| Tier 1 risk-based capital ratio | 13.3040% | 3,991 |
| Total risk-based capital ratio | 14.5764% | 3,896 |
| Memoranda: | ||
| Average total assets | $155,838,000 | 3,909 |
| Average earning assets | $145,097,500 | 3,855 |
| Average equity | $16,780,500 | 3,776 |
| Average total loans | $119,169,000 | 3,577 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1038% | 5,022 |
| Cost of funding earning assets | 2.5276% | 4,062 |
| Net interest margin | 3.5763% | 4,988 |
| Noninterest income to average assets | 0.1844% | 7,128 |
| Noninterest expense to average assets | 2.1553% | 7,104 |
| Loan and lease loss provision to assets | 0.4122% | 3,222 |
| Net operating income to assets | 0.6927% | 3,926 |
| Return on assets (ROA) | 0.6220% | 4,071 |
| Pretax return on assets | 0.9324% | 3,609 |
| Return on Equity (ROE) | 6.1895% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.8422% | 2,735 |
| Net charge-offs to loans | 0.0858% | 5,525 |
| Credit loss provision to net charge-offs | 670.7071% | 639 |
| Earnings coverage of net charge-offs (x) | 23.5960% | 1,416 |
| Efficiency ratio | 59.7796% | 6,389 |
| Assets per employee ($millions) | 6.6510% | 828 |
| Cash dividends to net income (ytd only)* | 37.9242% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0406% | 416 |
| Loan loss allowance to noncurrent loans | 161.4311% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 3,337 |
| Noncurrent loans to loans | 1.8835% | 2,936 |
| Net loans and leases to total assets | 73.9160% | 3,120 |
| Net loans and leases to deposits | 83.1451% | 4,560 |
| Net loans and leases to core deposits | 179.2870% | 295 |
| Total domestic deposits to total assets | 88.9001% | 1,087 |
| Equity capital to assets | 10.4791% | 3,529 |
| Core capital (leverage) ratio | 10.2541% | 3,214 |
| Tier 1 risk-based capital ratio | 12.7043% | 4,287 |
| Total risk-based capital ratio | 13.9738% | 4,189 |
| Memoranda: | ||
| Average total assets | $161,092,400 | 3,703 |
| Average earning assets | $154,099,800 | 3,581 |
| Average equity | $16,188,600 | 3,888 |
| Average total loans | $115,359,000 | 3,556 |