Home > Petit Jean State Bank > Performance and Condition Ratios
Petit Jean State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 2,519 |
| Cost of funding earning assets | 1.0661% | 3,159 |
| Net interest margin | 3.7121% | 1,741 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.5577% | 4,284 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.6627% | 777 |
| Return on assets (ROA) | 1.6627% | 750 |
| Pretax return on assets | 2.1190% | 556 |
| Return on Equity (ROE) | 11.0600% | 2,207 |
| Retained earnings to average equity (ytd only) | 7.6658% | 1,650 |
| Net charge-offs to loans | 0.0451% | 1,437 |
| Credit loss provision to net charge-offs | 158.0000% | 1,423 |
| Earnings coverage of net charge-offs (x) | 102.1000% | 892 |
| Efficiency ratio | 41.9820% | 4,315 |
| Assets per employee ($millions) | 7.9320% | 1,471 |
| Cash dividends to net income (ytd only)* | 30.7127% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 294 |
| Loan loss allowance to noncurrent loans | 609.0024% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 2,378 |
| Noncurrent loans to loans | 0.3559% | 1,918 |
| Net loans and leases to total assets | 47.4800% | 3,755 |
| Net loans and leases to deposits | 58.3277% | 3,616 |
| Net loans and leases to core deposits | 64.3337% | 3,574 |
| Total domestic deposits to total assets | 81.4000% | 3,239 |
| Equity capital to assets | 15.6876% | 490 |
| Core capital (leverage) ratio | 15.5229% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $237,140,400 | 2,754 |
| Average earning assets | $220,524,600 | 2,737 |
| Average equity | $35,638,600 | 2,027 |
| Average total loans | $110,987,600 | 3,046 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 2,542 |
| Cost of funding earning assets | 0.9408% | 3,174 |
| Net interest margin | 3.7249% | 1,728 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 1.5126% | 4,308 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.7124% | 778 |
| Return on assets (ROA) | 1.7124% | 766 |
| Pretax return on assets | 2.1952% | 559 |
| Return on Equity (ROE) | 11.5200% | 2,249 |
| Retained earnings to average equity (ytd only) | 6.9361% | 2,307 |
| Net charge-offs to loans | -0.1299% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 40.6718% | 4,343 |
| Assets per employee ($millions) | 8.2121% | 1,253 |
| Cash dividends to net income (ytd only)* | 39.7963% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2815% | 261 |
| Loan loss allowance to noncurrent loans | 2,890.0000% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,421 |
| Noncurrent loans to loans | 0.0789% | 3,194 |
| Net loans and leases to total assets | 46.7800% | 3,794 |
| Net loans and leases to deposits | 57.2481% | 3,645 |
| Net loans and leases to core deposits | 62.4804% | 3,591 |
| Total domestic deposits to total assets | 81.7100% | 3,270 |
| Equity capital to assets | 15.2971% | 502 |
| Core capital (leverage) ratio | 15.3251% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $236,935,750 | 2,766 |
| Average earning assets | $219,956,750 | 2,752 |
| Average equity | $35,215,750 | 2,036 |
| Average total loans | $109,862,250 | 3,061 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 2,553 |
| Cost of funding earning assets | 0.8106% | 3,174 |
| Net interest margin | 3.7273% | 1,764 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.4916% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7207% | 758 |
| Return on assets (ROA) | 1.7207% | 757 |
| Pretax return on assets | 2.2061% | 527 |
| Return on Equity (ROE) | 11.6900% | 2,251 |
| Retained earnings to average equity (ytd only) | 4.7341% | 3,016 |
| Net charge-offs to loans | -0.1880% | 4,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.3384% | 4,385 |
| Assets per employee ($millions) | 7.9628% | 1,339 |
| Cash dividends to net income (ytd only)* | 59.5086% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3697% | 250 |
| Loan loss allowance to noncurrent loans | 2,576.0000% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0419% | 3,356 |
| Noncurrent loans to loans | 0.0920% | 3,042 |
| Net loans and leases to total assets | 44.4300% | 3,862 |
| Net loans and leases to deposits | 54.2826% | 3,731 |
| Net loans and leases to core deposits | 58.0578% | 3,715 |
| Total domestic deposits to total assets | 81.8400% | 3,263 |
| Equity capital to assets | 14.8281% | 543 |
| Core capital (leverage) ratio | 15.0270% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $236,531,000 | 2,777 |
| Average earning assets | $219,088,667 | 2,767 |
| Average equity | $34,811,000 | 2,067 |
| Average total loans | $108,482,000 | 3,073 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 2,576 |
| Cost of funding earning assets | 0.6567% | 3,197 |
| Net interest margin | 3.7327% | 1,820 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 1.4922% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7149% | 799 |
| Return on assets (ROA) | 1.7149% | 792 |
| Pretax return on assets | 2.1992% | 573 |
| Return on Equity (ROE) | 11.7000% | 2,295 |
| Retained earnings to average equity (ytd only) | -2.3417% | 4,222 |
| Net charge-offs to loans | -0.3543% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 40.4236% | 4,436 |
| Assets per employee ($millions) | 8.1714% | 1,260 |
| Cash dividends to net income (ytd only)* | 120.0198% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3669% | 256 |
| Loan loss allowance to noncurrent loans | 1,976.9231% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,236 |
| Noncurrent loans to loans | 0.1197% | 2,916 |
| Net loans and leases to total assets | 44.7400% | 3,833 |
| Net loans and leases to deposits | 54.9334% | 3,632 |
| Net loans and leases to core deposits | 57.8660% | 3,636 |
| Total domestic deposits to total assets | 81.4400% | 3,565 |
| Equity capital to assets | 14.5148% | 530 |
| Core capital (leverage) ratio | 14.7388% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $235,354,000 | 2,817 |
| Average earning assets | $218,071,500 | 2,807 |
| Average equity | $34,505,500 | 2,094 |
| Average total loans | $108,371,000 | 3,110 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 2,350 |
| Cost of funding earning assets | 0.2747% | 3,105 |
| Net interest margin | 3.4975% | 1,942 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.5397% | 4,382 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.5341% | 807 |
| Return on assets (ROA) | 1.5341% | 781 |
| Pretax return on assets | 1.9215% | 553 |
| Return on Equity (ROE) | 10.7600% | 2,561 |
| Retained earnings to average equity (ytd only) | 7.7034% | 1,956 |
| Net charge-offs to loans | 0.5188% | 138 |
| Credit loss provision to net charge-offs | 45.5408% | 1,838 |
| Earnings coverage of net charge-offs (x) | 8.8786% | 2,246 |
| Efficiency ratio | 43.1884% | 4,455 |
| Assets per employee ($millions) | 8.0599% | 1,290 |
| Cash dividends to net income (ytd only)* | 28.4142% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2873% | 272 |
| Loan loss allowance to noncurrent loans | 1,508.5366% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 3,094 |
| Noncurrent loans to loans | 0.1516% | 2,737 |
| Net loans and leases to total assets | 45.2200% | 3,837 |
| Net loans and leases to deposits | 55.1420% | 3,620 |
| Net loans and leases to core deposits | 57.3656% | 3,651 |
| Total domestic deposits to total assets | 82.0000% | 3,631 |
| Equity capital to assets | 14.8094% | 487 |
| Core capital (leverage) ratio | 14.5707% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $231,017,400 | 2,840 |
| Average earning assets | $215,155,600 | 2,828 |
| Average equity | $32,933,400 | 2,200 |
| Average total loans | $101,583,600 | 3,130 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6061% | 2,327 |
| Cost of funding earning assets | 0.2504% | 2,704 |
| Net interest margin | 3.3556% | 2,119 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.4859% | 4,435 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.4598% | 933 |
| Return on assets (ROA) | 1.4598% | 913 |
| Pretax return on assets | 1.8714% | 628 |
| Return on Equity (ROE) | 10.3400% | 2,626 |
| Retained earnings to average equity (ytd only) | 6.2127% | 2,671 |
| Net charge-offs to loans | 0.7097% | 80 |
| Credit loss provision to net charge-offs | 33.8346% | 1,589 |
| Earnings coverage of net charge-offs (x) | 6.4154% | 2,109 |
| Efficiency ratio | 42.9264% | 4,494 |
| Assets per employee ($millions) | 8.4307% | 1,108 |
| Cash dividends to net income (ytd only)* | 39.9286% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 312 |
| Loan loss allowance to noncurrent loans | 827.8351% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 2,744 |
| Noncurrent loans to loans | 0.2735% | 2,280 |
| Net loans and leases to total assets | 44.0600% | 3,874 |
| Net loans and leases to deposits | 53.1731% | 3,654 |
| Net loans and leases to core deposits | 55.5576% | 3,652 |
| Total domestic deposits to total assets | 82.8600% | 3,713 |
| Equity capital to assets | 14.2307% | 540 |
| Core capital (leverage) ratio | 14.4368% | 620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $230,337,750 | 2,857 |
| Average earning assets | $214,558,750 | 2,851 |
| Average equity | $32,513,000 | 2,254 |
| Average total loans | $99,939,000 | 3,157 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5090% | 2,114 |
| Cost of funding earning assets | 0.2516% | 2,242 |
| Net interest margin | 3.2574% | 2,035 |
| Noninterest income to average assets | 0.2723% | 3,538 |
| Noninterest expense to average assets | 1.4823% | 4,439 |
| Loan and lease loss provision to assets | 0.1051% | 950 |
| Net operating income to assets | 1.3431% | 1,040 |
| Return on assets (ROA) | 1.3431% | 1,017 |
| Pretax return on assets | 1.7222% | 711 |
| Return on Equity (ROE) | 9.5419% | 2,513 |
| Retained earnings to average equity (ytd only) | 3.2781% | 3,360 |
| Net charge-offs to loans | 0.5277% | 125 |
| Credit loss provision to net charge-offs | 46.5116% | 1,510 |
| Earnings coverage of net charge-offs (x) | 8.0891% | 1,833 |
| Efficiency ratio | 44.7884% | 4,501 |
| Assets per employee ($millions) | 7.7667% | 1,436 |
| Cash dividends to net income (ytd only)* | 65.6454% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5529% | 239 |
| Loan loss allowance to noncurrent loans | 490.2804% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 2,171 |
| Noncurrent loans to loans | 0.5207% | 1,583 |
| Net loans and leases to total assets | 42.9713% | 3,905 |
| Net loans and leases to deposits | 51.8232% | 3,701 |
| Net loans and leases to core deposits | 54.0921% | 3,688 |
| Total domestic deposits to total assets | 82.9190% | 3,887 |
| Equity capital to assets | 13.9934% | 516 |
| Core capital (leverage) ratio | 14.1471% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,430,333 | 2,895 |
| Average earning assets | $212,995,000 | 2,895 |
| Average equity | $32,153,000 | 2,309 |
| Average total loans | $97,780,667 | 3,215 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3476% | 2,247 |
| Cost of funding earning assets | 0.2546% | 2,109 |
| Net interest margin | 3.0930% | 2,196 |
| Noninterest income to average assets | 0.2901% | 3,387 |
| Noninterest expense to average assets | 1.4663% | 4,464 |
| Loan and lease loss provision to assets | 0.1061% | 789 |
| Net operating income to assets | 1.2470% | 1,128 |
| Return on assets (ROA) | 1.2470% | 1,113 |
| Pretax return on assets | 1.5972% | 833 |
| Return on Equity (ROE) | 8.8326% | 2,377 |
| Retained earnings to average equity (ytd only) | -3.7836% | 4,359 |
| Net charge-offs to loans | 0.9780% | 70 |
| Credit loss provision to net charge-offs | 25.7511% | 1,272 |
| Earnings coverage of net charge-offs (x) | 4.1330% | 1,635 |
| Efficiency ratio | 46.2612% | 4,484 |
| Assets per employee ($millions) | 8.5054% | 1,116 |
| Cash dividends to net income (ytd only)* | 142.8369% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7532% | 208 |
| Loan loss allowance to noncurrent loans | 410.7937% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 1,971 |
| Noncurrent loans to loans | 0.6702% | 1,416 |
| Net loans and leases to total assets | 39.8062% | 4,027 |
| Net loans and leases to deposits | 48.1816% | 3,857 |
| Net loans and leases to core deposits | 50.1225% | 3,866 |
| Total domestic deposits to total assets | 82.6171% | 3,999 |
| Equity capital to assets | 13.8370% | 552 |
| Core capital (leverage) ratio | 14.0369% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,144,500 | 2,921 |
| Average earning assets | $210,539,500 | 2,923 |
| Average equity | $31,927,000 | 2,389 |
| Average total loans | $95,297,500 | 3,259 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 1,766 |
| Cost of funding earning assets | 0.3841% | 1,652 |
| Net interest margin | 3.4567% | 1,864 |
| Noninterest income to average assets | 0.2465% | 3,900 |
| Noninterest expense to average assets | 1.5847% | 4,443 |
| Loan and lease loss provision to assets | 0.1526% | 786 |
| Net operating income to assets | 1.3609% | 1,407 |
| Return on assets (ROA) | 1.3609% | 1,454 |
| Pretax return on assets | 1.7054% | 1,132 |
| Return on Equity (ROE) | 9.5646% | 2,695 |
| Retained earnings to average equity (ytd only) | 6.5584% | 2,102 |
| Net charge-offs to loans | 0.0497% | 1,318 |
| Credit loss provision to net charge-offs | 687.5000% | 670 |
| Earnings coverage of net charge-offs (x) | 83.7083% | 971 |
| Efficiency ratio | 46.0309% | 4,501 |
| Assets per employee ($millions) | 7.6774% | 1,511 |
| Cash dividends to net income (ytd only)* | 31.4305% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8584% | 172 |
| Loan loss allowance to noncurrent loans | 321.4203% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4532% | 1,459 |
| Noncurrent loans to loans | 0.8893% | 1,143 |
| Net loans and leases to total assets | 42.1449% | 3,972 |
| Net loans and leases to deposits | 50.9132% | 3,816 |
| Net loans and leases to core deposits | 53.3063% | 3,806 |
| Total domestic deposits to total assets | 82.7779% | 3,852 |
| Equity capital to assets | 14.4078% | 596 |
| Core capital (leverage) ratio | 14.3108% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $216,255,000 | 2,936 |
| Average earning assets | $199,961,000 | 2,953 |
| Average equity | $30,769,800 | 2,487 |
| Average total loans | $96,504,600 | 3,241 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 2,018 |
| Cost of funding earning assets | 0.4040% | 1,670 |
| Net interest margin | 3.3939% | 2,172 |
| Noninterest income to average assets | 0.2528% | 3,879 |
| Noninterest expense to average assets | 1.5323% | 4,556 |
| Loan and lease loss provision to assets | 0.1118% | 1,082 |
| Net operating income to assets | 1.3572% | 1,664 |
| Return on assets (ROA) | 1.3572% | 1,720 |
| Pretax return on assets | 1.7398% | 1,308 |
| Return on Equity (ROE) | 9.5696% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.5184% | 3,036 |
| Net charge-offs to loans | 0.0746% | 909 |
| Credit loss provision to net charge-offs | 333.3333% | 947 |
| Earnings coverage of net charge-offs (x) | 55.2037% | 1,181 |
| Efficiency ratio | 45.2827% | 4,532 |
| Assets per employee ($millions) | 7.7966% | 1,383 |
| Cash dividends to net income (ytd only)* | 42.3341% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7110% | 212 |
| Loan loss allowance to noncurrent loans | 294.6833% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 1,605 |
| Noncurrent loans to loans | 0.9200% | 1,254 |
| Net loans and leases to total assets | 42.8238% | 4,037 |
| Net loans and leases to deposits | 51.5128% | 3,916 |
| Net loans and leases to core deposits | 54.2775% | 3,899 |
| Total domestic deposits to total assets | 83.1322% | 3,670 |
| Equity capital to assets | 14.3470% | 662 |
| Core capital (leverage) ratio | 14.3736% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,657,750 | 2,983 |
| Average earning assets | $198,034,750 | 3,006 |
| Average equity | $30,442,750 | 2,533 |
| Average total loans | $96,482,250 | 3,286 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 1,839 |
| Cost of funding earning assets | 0.4230% | 1,716 |
| Net interest margin | 3.4670% | 1,954 |
| Noninterest income to average assets | 0.2530% | 3,878 |
| Noninterest expense to average assets | 1.5508% | 4,576 |
| Loan and lease loss provision to assets | 0.1124% | 1,126 |
| Net operating income to assets | 1.3980% | 1,573 |
| Return on assets (ROA) | 1.3980% | 1,642 |
| Pretax return on assets | 1.7925% | 1,256 |
| Return on Equity (ROE) | 9.8971% | 2,778 |
| Retained earnings to average equity (ytd only) | 3.7612% | 3,599 |
| Net charge-offs to loans | 0.1118% | 688 |
| Credit loss provision to net charge-offs | 222.2222% | 1,008 |
| Earnings coverage of net charge-offs (x) | 37.6481% | 1,191 |
| Efficiency ratio | 44.8753% | 4,576 |
| Assets per employee ($millions) | 8.0503% | 1,187 |
| Cash dividends to net income (ytd only)* | 61.9973% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5882% | 251 |
| Loan loss allowance to noncurrent loans | 295.9302% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 1,704 |
| Noncurrent loans to loans | 0.8746% | 1,404 |
| Net loans and leases to total assets | 44.0686% | 4,041 |
| Net loans and leases to deposits | 53.1223% | 3,921 |
| Net loans and leases to core deposits | 55.9076% | 3,894 |
| Total domestic deposits to total assets | 82.9568% | 3,714 |
| Equity capital to assets | 14.0910% | 699 |
| Core capital (leverage) ratio | 14.2108% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,442,333 | 2,989 |
| Average earning assets | $197,171,333 | 3,008 |
| Average equity | $30,150,333 | 2,541 |
| Average total loans | $96,612,667 | 3,301 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 2,744 |
| Cost of funding earning assets | 0.4459% | 1,753 |
| Net interest margin | 3.1192% | 2,931 |
| Noninterest income to average assets | 0.2516% | 3,892 |
| Noninterest expense to average assets | 1.4999% | 4,651 |
| Loan and lease loss provision to assets | 0.1135% | 1,218 |
| Net operating income to assets | 1.1878% | 2,199 |
| Return on assets (ROA) | 1.1878% | 2,268 |
| Pretax return on assets | 1.5226% | 1,936 |
| Return on Equity (ROE) | 8.3981% | 3,216 |
| Retained earnings to average equity (ytd only) | -3.9717% | 4,651 |
| Net charge-offs to loans | -0.0543% | 4,429 |
| Credit loss provision to net charge-offs | -461.5385% | 3,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8287% | 4,350 |
| Assets per employee ($millions) | 8.2395% | 1,086 |
| Cash dividends to net income (ytd only)* | 147.2930% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6396% | 218 |
| Loan loss allowance to noncurrent loans | 225.8407% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.5490% | 1,724 |
| Noncurrent loans to loans | 1.1688% | 1,134 |
| Net loans and leases to total assets | 43.9384% | 4,115 |
| Net loans and leases to deposits | 53.6049% | 3,966 |
| Net loans and leases to core deposits | 56.5391% | 3,937 |
| Total domestic deposits to total assets | 81.9673% | 3,897 |
| Equity capital to assets | 13.8932% | 692 |
| Core capital (leverage) ratio | 14.0947% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,484,000 | 2,997 |
| Average earning assets | $195,562,000 | 3,014 |
| Average equity | $29,911,500 | 2,553 |
| Average total loans | $95,753,000 | 3,328 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 2,660 |
| Cost of funding earning assets | 0.5727% | 2,494 |
| Net interest margin | 3.4487% | 2,631 |
| Noninterest income to average assets | 0.2602% | 3,924 |
| Noninterest expense to average assets | 1.5953% | 4,709 |
| Loan and lease loss provision to assets | 0.1208% | 2,854 |
| Net operating income to assets | 1.3603% | 1,106 |
| Return on assets (ROA) | 1.3603% | 1,197 |
| Pretax return on assets | 1.7231% | 813 |
| Return on Equity (ROE) | 9.3581% | 2,257 |
| Retained earnings to average equity (ytd only) | 5.9410% | 1,821 |
| Net charge-offs to loans | 0.1690% | 987 |
| Credit loss provision to net charge-offs | 148.1481% | 2,432 |
| Earnings coverage of net charge-offs (x) | 22.6173% | 1,844 |
| Efficiency ratio | 46.3857% | 4,699 |
| Assets per employee ($millions) | 8.0285% | 1,027 |
| Cash dividends to net income (ytd only)* | 36.5150% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6143% | 221 |
| Loan loss allowance to noncurrent loans | 209.7293% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5907% | 1,782 |
| Noncurrent loans to loans | 1.2465% | 1,103 |
| Net loans and leases to total assets | 44.2400% | 4,230 |
| Net loans and leases to deposits | 54.0468% | 4,108 |
| Net loans and leases to core deposits | 57.3698% | 4,079 |
| Total domestic deposits to total assets | 81.8550% | 3,693 |
| Equity capital to assets | 14.4006% | 700 |
| Core capital (leverage) ratio | 14.4826% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,713,400 | 2,954 |
| Average earning assets | $183,168,400 | 2,968 |
| Average equity | $28,884,200 | 2,538 |
| Average total loans | $95,885,200 | 3,300 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 2,820 |
| Cost of funding earning assets | 0.5939% | 2,655 |
| Net interest margin | 3.4573% | 2,733 |
| Noninterest income to average assets | 0.2630% | 3,894 |
| Noninterest expense to average assets | 1.5935% | 4,734 |
| Loan and lease loss provision to assets | 0.1223% | 2,801 |
| Net operating income to assets | 1.3543% | 1,218 |
| Return on assets (ROA) | 1.3543% | 1,322 |
| Pretax return on assets | 1.7355% | 897 |
| Return on Equity (ROE) | 9.2943% | 2,284 |
| Retained earnings to average equity (ytd only) | 4.6915% | 2,699 |
| Net charge-offs to loans | 0.1387% | 1,048 |
| Credit loss provision to net charge-offs | 180.0000% | 2,182 |
| Earnings coverage of net charge-offs (x) | 27.3400% | 1,672 |
| Efficiency ratio | 46.1705% | 4,704 |
| Assets per employee ($millions) | 7.7533% | 1,098 |
| Cash dividends to net income (ytd only)* | 49.5233% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4827% | 233 |
| Loan loss allowance to noncurrent loans | 188.0970% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 1,577 |
| Noncurrent loans to loans | 1.3199% | 1,119 |
| Net loans and leases to total assets | 48.3419% | 4,199 |
| Net loans and leases to deposits | 58.5344% | 4,140 |
| Net loans and leases to core deposits | 62.2336% | 4,090 |
| Total domestic deposits to total assets | 82.5872% | 3,256 |
| Equity capital to assets | 14.5595% | 716 |
| Core capital (leverage) ratio | 14.6073% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,206,500 | 2,957 |
| Average earning assets | $180,948,250 | 2,969 |
| Average equity | $28,590,250 | 2,552 |
| Average total loans | $96,150,000 | 3,301 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 2,895 |
| Cost of funding earning assets | 0.6116% | 2,910 |
| Net interest margin | 3.5446% | 2,654 |
| Noninterest income to average assets | 0.2623% | 3,900 |
| Noninterest expense to average assets | 1.6213% | 4,761 |
| Loan and lease loss provision to assets | 0.1234% | 2,796 |
| Net operating income to assets | 1.3981% | 1,117 |
| Return on assets (ROA) | 1.3981% | 1,207 |
| Pretax return on assets | 1.7910% | 827 |
| Return on Equity (ROE) | 9.5917% | 2,113 |
| Retained earnings to average equity (ytd only) | 2.6255% | 3,539 |
| Net charge-offs to loans | -0.0021% | 3,830 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8539% | 4,731 |
| Assets per employee ($millions) | 7.4640% | 1,200 |
| Cash dividends to net income (ytd only)* | 72.6269% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5267% | 211 |
| Loan loss allowance to noncurrent loans | 508.4677% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 3,044 |
| Noncurrent loans to loans | 0.4969% | 2,663 |
| Net loans and leases to total assets | 48.2779% | 4,244 |
| Net loans and leases to deposits | 58.3211% | 4,204 |
| Net loans and leases to core deposits | 62.1299% | 4,173 |
| Total domestic deposits to total assets | 82.7795% | 3,151 |
| Equity capital to assets | 14.2492% | 793 |
| Core capital (leverage) ratio | 14.2683% | 696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,413,000 | 2,950 |
| Average earning assets | $179,541,667 | 2,964 |
| Average equity | $28,337,000 | 2,564 |
| Average total loans | $94,889,333 | 3,317 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,823 |
| Cost of funding earning assets | 0.6318% | 3,261 |
| Net interest margin | 3.3558% | 3,433 |
| Noninterest income to average assets | 0.2808% | 3,848 |
| Noninterest expense to average assets | 1.6683% | 4,807 |
| Loan and lease loss provision to assets | 0.1257% | 2,134 |
| Net operating income to assets | 1.2428% | 1,398 |
| Return on assets (ROA) | 1.2428% | 1,499 |
| Pretax return on assets | 1.5928% | 1,070 |
| Return on Equity (ROE) | 8.4270% | 2,337 |
| Retained earnings to average equity (ytd only) | -5.5991% | 4,561 |
| Net charge-offs to loans | -0.0130% | 4,170 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2574% | 4,702 |
| Assets per employee ($millions) | 6.7920% | 1,184 |
| Cash dividends to net income (ytd only)* | 166.4418% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6163% | 211 |
| Loan loss allowance to noncurrent loans | 232.4528% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 2,252 |
| Noncurrent loans to loans | 1.1255% | 1,473 |
| Net loans and leases to total assets | 48.2266% | 4,324 |
| Net loans and leases to deposits | 58.7574% | 4,261 |
| Net loans and leases to core deposits | 62.8672% | 4,238 |
| Total domestic deposits to total assets | 82.0776% | 3,398 |
| Equity capital to assets | 14.6970% | 838 |
| Core capital (leverage) ratio | 14.7913% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,856,000 | 2,946 |
| Average earning assets | $176,651,500 | 2,949 |
| Average equity | $28,147,500 | 2,567 |
| Average total loans | $92,426,500 | 3,356 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 3,523 |
| Cost of funding earning assets | 0.5644% | 3,805 |
| Net interest margin | 3.7435% | 2,681 |
| Noninterest income to average assets | 0.2798% | 4,008 |
| Noninterest expense to average assets | 1.6903% | 4,879 |
| Loan and lease loss provision to assets | 0.0965% | 2,109 |
| Net operating income to assets | 1.5161% | 1,011 |
| Return on assets (ROA) | 1.5161% | 1,077 |
| Pretax return on assets | 1.9159% | 720 |
| Return on Equity (ROE) | 10.4233% | 2,111 |
| Retained earnings to average equity (ytd only) | 6.8310% | 1,465 |
| Net charge-offs to loans | 0.2627% | 787 |
| Credit loss provision to net charge-offs | 75.0000% | 2,851 |
| Earnings coverage of net charge-offs (x) | 15.6458% | 2,217 |
| Efficiency ratio | 45.6506% | 4,926 |
| Assets per employee ($millions) | 6.6047% | 1,233 |
| Cash dividends to net income (ytd only)* | 34.4645% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6479% | 177 |
| Loan loss allowance to noncurrent loans | 234.0156% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 2,202 |
| Noncurrent loans to loans | 1.1315% | 1,338 |
| Net loans and leases to total assets | 46.0867% | 4,515 |
| Net loans and leases to deposits | 55.7606% | 4,465 |
| Net loans and leases to core deposits | 59.1634% | 4,476 |
| Total domestic deposits to total assets | 82.6509% | 3,319 |
| Equity capital to assets | 14.7987% | 847 |
| Core capital (leverage) ratio | 14.8040% | 727 |
| Tier 1 risk-based capital ratio | 27.8868% | 568 |
| Total risk-based capital ratio | 29.1510% | 554 |
| Memoranda: | ||
| Average total assets | $186,592,600 | 2,949 |
| Average earning assets | $170,615,000 | 2,976 |
| Average equity | $27,141,000 | 2,550 |
| Average total loans | $91,357,800 | 3,367 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 3,571 |
| Cost of funding earning assets | 0.5444% | 3,966 |
| Net interest margin | 3.7853% | 2,641 |
| Noninterest income to average assets | 0.2841% | 4,039 |
| Noninterest expense to average assets | 1.6616% | 4,955 |
| Loan and lease loss provision to assets | 0.0863% | 2,192 |
| Net operating income to assets | 1.5537% | 1,048 |
| Return on assets (ROA) | 1.5537% | 1,101 |
| Pretax return on assets | 1.9925% | 699 |
| Return on Equity (ROE) | 10.7300% | 2,129 |
| Retained earnings to average equity (ytd only) | 5.8866% | 2,425 |
| Net charge-offs to loans | 0.3103% | 562 |
| Credit loss provision to net charge-offs | 56.3380% | 2,738 |
| Earnings coverage of net charge-offs (x) | 13.5682% | 2,285 |
| Efficiency ratio | 44.4231% | 4,995 |
| Assets per employee ($millions) | 6.6760% | 1,174 |
| Cash dividends to net income (ytd only)* | 45.1389% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5246% | 212 |
| Loan loss allowance to noncurrent loans | 367.7019% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 3,008 |
| Noncurrent loans to loans | 0.6866% | 2,242 |
| Net loans and leases to total assets | 48.9119% | 4,482 |
| Net loans and leases to deposits | 58.9202% | 4,432 |
| Net loans and leases to core deposits | 61.6870% | 4,467 |
| Total domestic deposits to total assets | 83.0138% | 3,164 |
| Equity capital to assets | 14.8052% | 905 |
| Core capital (leverage) ratio | 14.9751% | 743 |
| Tier 1 risk-based capital ratio | 25.8292% | 719 |
| Total risk-based capital ratio | 27.0911% | 703 |
| Memoranda: | ||
| Average total assets | $185,356,500 | 2,992 |
| Average earning assets | $169,248,250 | 3,023 |
| Average equity | $26,840,000 | 2,586 |
| Average total loans | $91,528,750 | 3,407 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 3,626 |
| Cost of funding earning assets | 0.5170% | 4,049 |
| Net interest margin | 3.7862% | 2,628 |
| Noninterest income to average assets | 0.2824% | 4,052 |
| Noninterest expense to average assets | 1.6707% | 5,004 |
| Loan and lease loss provision to assets | 0.0649% | 2,518 |
| Net operating income to assets | 1.5614% | 987 |
| Return on assets (ROA) | 1.5614% | 1,031 |
| Pretax return on assets | 2.0018% | 675 |
| Return on Equity (ROE) | 10.8653% | 2,034 |
| Retained earnings to average equity (ytd only) | 3.5239% | 3,482 |
| Net charge-offs to loans | 0.3415% | 494 |
| Credit loss provision to net charge-offs | 38.7097% | 2,552 |
| Earnings coverage of net charge-offs (x) | 12.3226% | 2,160 |
| Efficiency ratio | 44.7018% | 5,040 |
| Assets per employee ($millions) | 6.2015% | 1,404 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5361% | 213 |
| Loan loss allowance to noncurrent loans | 385.9706% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,107 |
| Noncurrent loans to loans | 0.6571% | 2,313 |
| Net loans and leases to total assets | 48.8729% | 4,531 |
| Net loans and leases to deposits | 59.3283% | 4,462 |
| Net loans and leases to core deposits | 62.0507% | 4,500 |
| Total domestic deposits to total assets | 82.3769% | 3,413 |
| Equity capital to assets | 14.4900% | 952 |
| Core capital (leverage) ratio | 14.4620% | 836 |
| Tier 1 risk-based capital ratio | 25.0497% | 752 |
| Total risk-based capital ratio | 26.3116% | 733 |
| Memoranda: | ||
| Average total assets | $184,832,670 | 3,005 |
| Average earning assets | $168,667,330 | 3,041 |
| Average equity | $26,561,670 | 2,596 |
| Average total loans | $90,772,330 | 3,442 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1904% | 3,902 |
| Cost of funding earning assets | 0.4831% | 4,140 |
| Net interest margin | 3.7074% | 2,867 |
| Noninterest income to average assets | 0.2649% | 4,112 |
| Noninterest expense to average assets | 1.6393% | 5,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5676% | 966 |
| Return on assets (ROA) | 1.5676% | 993 |
| Pretax return on assets | 2.0084% | 634 |
| Return on Equity (ROE) | 10.9545% | 1,963 |
| Retained earnings to average equity (ytd only) | -3.8386% | 4,855 |
| Net charge-offs to loans | 0.2994% | 502 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 13.8060% | 1,827 |
| Efficiency ratio | 44.9405% | 5,071 |
| Assets per employee ($millions) | 6.3691% | 1,305 |
| Cash dividends to net income (ytd only)* | 135.0416% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6603% | 202 |
| Loan loss allowance to noncurrent loans | 372.3173% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 3,151 |
| Noncurrent loans to loans | 0.7145% | 2,237 |
| Net loans and leases to total assets | 47.4254% | 4,605 |
| Net loans and leases to deposits | 57.6035% | 4,525 |
| Net loans and leases to core deposits | 60.0045% | 4,564 |
| Total domestic deposits to total assets | 82.3307% | 3,636 |
| Equity capital to assets | 14.2048% | 971 |
| Core capital (leverage) ratio | 14.4397% | 831 |
| Tier 1 risk-based capital ratio | 24.6899% | 785 |
| Total risk-based capital ratio | 25.9519% | 776 |
| Memoranda: | ||
| Average total assets | $184,226,000 | 3,044 |
| Average earning assets | $168,098,500 | 3,075 |
| Average equity | $26,363,500 | 2,613 |
| Average total loans | $89,512,500 | 3,499 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,829 |
| Cost of funding earning assets | 0.3320% | 4,396 |
| Net interest margin | 3.7405% | 2,899 |
| Noninterest income to average assets | 0.3294% | 3,900 |
| Noninterest expense to average assets | 1.6514% | 5,133 |
| Loan and lease loss provision to assets | 0.1932% | 984 |
| Net operating income to assets | 1.4942% | 1,137 |
| Return on assets (ROA) | 1.4942% | 1,120 |
| Pretax return on assets | 1.8945% | 727 |
| Return on Equity (ROE) | 11.0327% | 2,072 |
| Retained earnings to average equity (ytd only) | 8.2200% | 1,145 |
| Net charge-offs to loans | 0.0819% | 1,968 |
| Credit loss provision to net charge-offs | 514.2857% | 676 |
| Earnings coverage of net charge-offs (x) | 55.5857% | 1,073 |
| Efficiency ratio | 44.1670% | 5,174 |
| Assets per employee ($millions) | 6.3361% | 1,299 |
| Cash dividends to net income (ytd only)* | 25.4937% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7641% | 174 |
| Loan loss allowance to noncurrent loans | 297.5816% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 2,602 |
| Noncurrent loans to loans | 0.9289% | 1,731 |
| Net loans and leases to total assets | 47.1153% | 4,691 |
| Net loans and leases to deposits | 57.1726% | 4,611 |
| Net loans and leases to core deposits | 58.9867% | 4,669 |
| Total domestic deposits to total assets | 82.4090% | 3,519 |
| Equity capital to assets | 14.4166% | 864 |
| Core capital (leverage) ratio | 14.2070% | 868 |
| Tier 1 risk-based capital ratio | 25.0897% | 735 |
| Total risk-based capital ratio | 26.3532% | 719 |
| Memoranda: | ||
| Average total assets | $186,383,400 | 2,994 |
| Average earning assets | $169,895,200 | 3,026 |
| Average equity | $25,243,200 | 2,633 |
| Average total loans | $85,512,200 | 3,559 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 4,006 |
| Cost of funding earning assets | 0.3155% | 4,408 |
| Net interest margin | 3.6596% | 3,171 |
| Noninterest income to average assets | 0.3443% | 3,844 |
| Noninterest expense to average assets | 1.6203% | 5,195 |
| Loan and lease loss provision to assets | 0.1069% | 1,871 |
| Net operating income to assets | 1.5205% | 1,148 |
| Return on assets (ROA) | 1.5205% | 1,144 |
| Pretax return on assets | 1.9489% | 727 |
| Return on Equity (ROE) | 11.4070% | 2,015 |
| Retained earnings to average equity (ytd only) | 7.6100% | 1,843 |
| Net charge-offs to loans | -0.0504% | 4,931 |
| Credit loss provision to net charge-offs | -468.7500% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0760% | 5,209 |
| Assets per employee ($millions) | 6.4131% | 1,230 |
| Cash dividends to net income (ytd only)* | 33.2863% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6409% | 201 |
| Loan loss allowance to noncurrent loans | 181.6988% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 2,062 |
| Noncurrent loans to loans | 1.4534% | 1,128 |
| Net loans and leases to total assets | 46.6424% | 4,771 |
| Net loans and leases to deposits | 56.0201% | 4,752 |
| Net loans and leases to core deposits | 57.8218% | 4,795 |
| Total domestic deposits to total assets | 83.2601% | 3,214 |
| Equity capital to assets | 13.8928% | 993 |
| Core capital (leverage) ratio | 13.9245% | 959 |
| Tier 1 risk-based capital ratio | 24.2471% | 816 |
| Total risk-based capital ratio | 25.5093% | 797 |
| Memoranda: | ||
| Average total assets | $187,042,500 | 3,015 |
| Average earning assets | $170,287,000 | 3,050 |
| Average equity | $24,931,500 | 2,665 |
| Average total loans | $84,631,750 | 3,610 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 4,008 |
| Cost of funding earning assets | 0.3089% | 4,360 |
| Net interest margin | 3.6150% | 3,257 |
| Noninterest income to average assets | 0.3650% | 3,715 |
| Noninterest expense to average assets | 1.6041% | 5,263 |
| Loan and lease loss provision to assets | 0.1601% | 1,165 |
| Net operating income to assets | 1.4814% | 1,197 |
| Return on assets (ROA) | 1.4814% | 1,198 |
| Pretax return on assets | 1.8986% | 775 |
| Return on Equity (ROE) | 11.2711% | 2,008 |
| Retained earnings to average equity (ytd only) | 5.5056% | 2,823 |
| Net charge-offs to loans | -0.0529% | 4,939 |
| Credit loss provision to net charge-offs | -681.8182% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7937% | 5,289 |
| Assets per employee ($millions) | 6.2435% | 1,303 |
| Cash dividends to net income (ytd only)* | 51.1527% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7667% | 187 |
| Loan loss allowance to noncurrent loans | 247.4129% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5344% | 2,631 |
| Noncurrent loans to loans | 1.1182% | 1,572 |
| Net loans and leases to total assets | 43.9628% | 4,905 |
| Net loans and leases to deposits | 53.2389% | 4,869 |
| Net loans and leases to core deposits | 54.9546% | 4,901 |
| Total domestic deposits to total assets | 82.5765% | 3,541 |
| Equity capital to assets | 13.3969% | 1,139 |
| Core capital (leverage) ratio | 13.4185% | 1,089 |
| Tier 1 risk-based capital ratio | 27.4243% | 587 |
| Total risk-based capital ratio | 28.6910% | 582 |
| Memoranda: | ||
| Average total assets | $187,396,330 | 3,024 |
| Average earning assets | $170,955,330 | 3,055 |
| Average equity | $24,629,330 | 2,692 |
| Average total loans | $83,142,670 | 3,654 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8010% | 4,218 |
| Cost of funding earning assets | 0.3057% | 4,313 |
| Net interest margin | 3.4953% | 3,555 |
| Noninterest income to average assets | 0.4268% | 3,273 |
| Noninterest expense to average assets | 1.5877% | 5,332 |
| Loan and lease loss provision to assets | 0.1921% | 873 |
| Net operating income to assets | 1.4404% | 1,222 |
| Return on assets (ROA) | 1.4404% | 1,227 |
| Pretax return on assets | 1.8438% | 838 |
| Return on Equity (ROE) | 11.0667% | 1,945 |
| Retained earnings to average equity (ytd only) | -0.5738% | 4,870 |
| Net charge-offs to loans | 0.2914% | 527 |
| Credit loss provision to net charge-offs | 150.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | 15.9000% | 1,648 |
| Efficiency ratio | 43.8163% | 5,351 |
| Assets per employee ($millions) | 6.2443% | 1,343 |
| Cash dividends to net income (ytd only)* | 105.1852% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6900% | 209 |
| Loan loss allowance to noncurrent loans | 189.7414% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 2,456 |
| Noncurrent loans to loans | 1.4177% | 1,252 |
| Net loans and leases to total assets | 42.5036% | 4,957 |
| Net loans and leases to deposits | 51.8126% | 4,887 |
| Net loans and leases to core deposits | 53.3131% | 4,937 |
| Total domestic deposits to total assets | 82.0333% | 3,956 |
| Equity capital to assets | 13.0145% | 1,235 |
| Core capital (leverage) ratio | 13.0982% | 1,140 |
| Tier 1 risk-based capital ratio | 24.7069% | 770 |
| Total risk-based capital ratio | 25.9686% | 756 |
| Memoranda: | ||
| Average total assets | $187,442,500 | 3,060 |
| Average earning assets | $171,428,500 | 3,078 |
| Average equity | $24,397,500 | 2,732 |
| Average total loans | $82,370,500 | 3,704 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 4,136 |
| Cost of funding earning assets | 0.3065% | 4,071 |
| Net interest margin | 3.4673% | 3,632 |
| Noninterest income to average assets | 0.3052% | 4,272 |
| Noninterest expense to average assets | 1.5738% | 5,434 |
| Loan and lease loss provision to assets | 0.1882% | 1,121 |
| Net operating income to assets | 1.0616% | 2,013 |
| Return on assets (ROA) | 1.0616% | 2,033 |
| Pretax return on assets | 1.7180% | 967 |
| Return on Equity (ROE) | 8.6078% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.7258% | 1,693 |
| Net charge-offs to loans | 0.3539% | 718 |
| Credit loss provision to net charge-offs | 123.2877% | 2,121 |
| Earnings coverage of net charge-offs (x) | 12.4897% | 2,470 |
| Efficiency ratio | 45.2238% | 5,418 |
| Assets per employee ($millions) | 6.2518% | 1,347 |
| Cash dividends to net income (ytd only)* | 33.4810% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6182% | 216 |
| Loan loss allowance to noncurrent loans | 231.6969% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 2,679 |
| Noncurrent loans to loans | 1.1300% | 1,566 |
| Net loans and leases to total assets | 43.0524% | 5,030 |
| Net loans and leases to deposits | 52.0485% | 4,985 |
| Net loans and leases to core deposits | 53.5419% | 5,017 |
| Total domestic deposits to total assets | 82.7160% | 3,656 |
| Equity capital to assets | 13.0175% | 1,258 |
| Core capital (leverage) ratio | 12.7264% | 1,254 |
| Tier 1 risk-based capital ratio | 24.8423% | 735 |
| Total risk-based capital ratio | 26.1040% | 718 |
| Memoranda: | ||
| Average total assets | $191,322,800 | 3,002 |
| Average earning assets | $175,181,400 | 3,010 |
| Average equity | $23,595,000 | 2,798 |
| Average total loans | $82,510,000 | 3,690 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7288% | 4,242 |
| Cost of funding earning assets | 0.3052% | 4,084 |
| Net interest margin | 3.4235% | 3,766 |
| Noninterest income to average assets | 0.2954% | 4,422 |
| Noninterest expense to average assets | 1.5353% | 5,494 |
| Loan and lease loss provision to assets | 0.1872% | 1,045 |
| Net operating income to assets | 1.1782% | 1,780 |
| Return on assets (ROA) | 1.1782% | 1,824 |
| Pretax return on assets | 1.7073% | 1,103 |
| Return on Equity (ROE) | 9.6848% | 2,267 |
| Retained earnings to average equity (ytd only) | 5.8086% | 2,373 |
| Net charge-offs to loans | 0.2848% | 760 |
| Credit loss provision to net charge-offs | 153.4091% | 1,662 |
| Earnings coverage of net charge-offs (x) | 15.5228% | 2,222 |
| Efficiency ratio | 44.7634% | 5,459 |
| Assets per employee ($millions) | 7.2378% | 854 |
| Cash dividends to net income (ytd only)* | 40.0233% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6537% | 224 |
| Loan loss allowance to noncurrent loans | 305.1389% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 3,321 |
| Noncurrent loans to loans | 0.8697% | 2,199 |
| Net loans and leases to total assets | 41.2404% | 5,147 |
| Net loans and leases to deposits | 49.1865% | 5,150 |
| Net loans and leases to core deposits | 50.6785% | 5,178 |
| Total domestic deposits to total assets | 83.8451% | 3,178 |
| Equity capital to assets | 12.3237% | 1,765 |
| Core capital (leverage) ratio | 12.7230% | 1,321 |
| Tier 1 risk-based capital ratio | 24.5890% | 795 |
| Total risk-based capital ratio | 25.8510% | 776 |
| Memoranda: | ||
| Average total assets | $192,264,750 | 3,022 |
| Average earning assets | $176,032,000 | 3,030 |
| Average equity | $23,390,000 | 2,844 |
| Average total loans | $82,408,000 | 3,719 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 4,138 |
| Cost of funding earning assets | 0.3078% | 4,010 |
| Net interest margin | 3.4208% | 3,696 |
| Noninterest income to average assets | 0.2950% | 4,430 |
| Noninterest expense to average assets | 1.5501% | 5,531 |
| Loan and lease loss provision to assets | 0.1883% | 999 |
| Net operating income to assets | 1.1621% | 1,727 |
| Return on assets (ROA) | 1.1621% | 1,767 |
| Pretax return on assets | 1.6840% | 1,095 |
| Return on Equity (ROE) | 9.5945% | 2,221 |
| Retained earnings to average equity (ytd only) | 3.7221% | 3,486 |
| Net charge-offs to loans | 0.3233% | 632 |
| Credit loss provision to net charge-offs | 135.3383% | 1,634 |
| Earnings coverage of net charge-offs (x) | 13.4586% | 2,131 |
| Efficiency ratio | 45.2934% | 5,482 |
| Assets per employee ($millions) | 6.8159% | 1,006 |
| Cash dividends to net income (ytd only)* | 61.2061% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6544% | 236 |
| Loan loss allowance to noncurrent loans | 283.6412% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 3,523 |
| Noncurrent loans to loans | 0.9358% | 2,100 |
| Net loans and leases to total assets | 41.3157% | 5,179 |
| Net loans and leases to deposits | 49.1219% | 5,171 |
| Net loans and leases to core deposits | 50.5407% | 5,202 |
| Total domestic deposits to total assets | 84.1086% | 3,152 |
| Equity capital to assets | 12.3110% | 1,725 |
| Core capital (leverage) ratio | 12.3742% | 1,432 |
| Tier 1 risk-based capital ratio | 24.2837% | 826 |
| Total risk-based capital ratio | 25.5457% | 801 |
| Memoranda: | ||
| Average total assets | $191,213,000 | 3,047 |
| Average earning assets | $174,811,000 | 3,048 |
| Average equity | $23,159,000 | 2,865 |
| Average total loans | $82,281,000 | 3,733 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6353% | 4,317 |
| Cost of funding earning assets | 0.3065% | 3,977 |
| Net interest margin | 3.3288% | 3,921 |
| Noninterest income to average assets | 0.2989% | 4,420 |
| Noninterest expense to average assets | 1.5486% | 5,602 |
| Loan and lease loss provision to assets | 0.1881% | 894 |
| Net operating income to assets | 1.1160% | 1,804 |
| Return on assets (ROA) | 1.1160% | 1,845 |
| Pretax return on assets | 1.6259% | 1,169 |
| Return on Equity (ROE) | 9.2906% | 2,274 |
| Retained earnings to average equity (ytd only) | -2.5401% | 5,225 |
| Net charge-offs to loans | 0.3135% | 591 |
| Credit loss provision to net charge-offs | 138.4615% | 1,270 |
| Earnings coverage of net charge-offs (x) | 13.3538% | 1,788 |
| Efficiency ratio | 46.0534% | 5,526 |
| Assets per employee ($millions) | 6.6438% | 1,108 |
| Cash dividends to net income (ytd only)* | 127.3408% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5724% | 292 |
| Loan loss allowance to noncurrent loans | 265.3367% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 3,029 |
| Noncurrent loans to loans | 0.9695% | 2,109 |
| Net loans and leases to total assets | 41.8318% | 5,170 |
| Net loans and leases to deposits | 50.0861% | 5,128 |
| Net loans and leases to core deposits | 51.3638% | 5,172 |
| Total domestic deposits to total assets | 83.5199% | 3,650 |
| Equity capital to assets | 11.8950% | 1,909 |
| Core capital (leverage) ratio | 12.0062% | 1,626 |
| Tier 1 risk-based capital ratio | 23.4967% | 917 |
| Total risk-based capital ratio | 24.7578% | 904 |
| Memoranda: | ||
| Average total assets | $191,397,000 | 3,082 |
| Average earning assets | $176,159,500 | 3,069 |
| Average equity | $22,991,000 | 2,891 |
| Average total loans | $82,922,000 | 3,746 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6844% | 4,260 |
| Cost of funding earning assets | 0.2717% | 4,346 |
| Net interest margin | 3.4127% | 3,775 |
| Noninterest income to average assets | 0.3318% | 4,358 |
| Noninterest expense to average assets | 1.6427% | 5,610 |
| Loan and lease loss provision to assets | 0.1805% | 1,323 |
| Net operating income to assets | 1.1038% | 1,891 |
| Return on assets (ROA) | 1.1038% | 1,976 |
| Pretax return on assets | 1.6501% | 1,133 |
| Return on Equity (ROE) | 9.3769% | 2,238 |
| Retained earnings to average equity (ytd only) | 6.4452% | 1,478 |
| Net charge-offs to loans | 0.3241% | 850 |
| Credit loss provision to net charge-offs | 124.5421% | 2,148 |
| Earnings coverage of net charge-offs (x) | 12.6300% | 2,433 |
| Efficiency ratio | 47.2944% | 5,601 |
| Assets per employee ($millions) | 6.7902% | 1,011 |
| Cash dividends to net income (ytd only)* | 31.2650% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5301% | 299 |
| Loan loss allowance to noncurrent loans | 252.4610% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 3,190 |
| Noncurrent loans to loans | 1.0022% | 2,086 |
| Net loans and leases to total assets | 42.6120% | 5,201 |
| Net loans and leases to deposits | 50.8243% | 5,174 |
| Net loans and leases to core deposits | 52.0354% | 5,225 |
| Total domestic deposits to total assets | 83.8417% | 3,488 |
| Equity capital to assets | 12.1310% | 1,722 |
| Core capital (leverage) ratio | 12.2269% | 1,463 |
| Tier 1 risk-based capital ratio | 24.1746% | 853 |
| Total risk-based capital ratio | 25.4366% | 821 |
| Memoranda: | ||
| Average total assets | $188,348,400 | 3,076 |
| Average earning assets | $173,381,800 | 3,077 |
| Average equity | $22,171,400 | 2,974 |
| Average total loans | $84,237,400 | 3,704 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6931% | 4,273 |
| Cost of funding earning assets | 0.2707% | 4,381 |
| Net interest margin | 3.4224% | 3,764 |
| Noninterest income to average assets | 0.3363% | 4,376 |
| Noninterest expense to average assets | 1.6483% | 5,648 |
| Loan and lease loss provision to assets | 0.1774% | 1,260 |
| Net operating income to assets | 1.1452% | 1,828 |
| Return on assets (ROA) | 1.1452% | 1,933 |
| Pretax return on assets | 1.6590% | 1,226 |
| Return on Equity (ROE) | 9.8047% | 2,139 |
| Retained earnings to average equity (ytd only) | 5.8560% | 2,266 |
| Net charge-offs to loans | 0.1420% | 1,572 |
| Credit loss provision to net charge-offs | 277.7778% | 1,101 |
| Earnings coverage of net charge-offs (x) | 28.7548% | 1,530 |
| Efficiency ratio | 47.3020% | 5,618 |
| Assets per employee ($millions) | 6.5743% | 1,063 |
| Cash dividends to net income (ytd only)* | 40.2728% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5706% | 309 |
| Loan loss allowance to noncurrent loans | 277.2727% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 3,385 |
| Noncurrent loans to loans | 0.9271% | 2,394 |
| Net loans and leases to total assets | 45.2148% | 5,133 |
| Net loans and leases to deposits | 53.8967% | 5,118 |
| Net loans and leases to core deposits | 55.3328% | 5,182 |
| Total domestic deposits to total assets | 83.8917% | 3,243 |
| Equity capital to assets | 12.2768% | 1,918 |
| Core capital (leverage) ratio | 12.3547% | 1,462 |
| Tier 1 risk-based capital ratio | 23.2042% | 976 |
| Total risk-based capital ratio | 24.4661% | 960 |
| Memoranda: | ||
| Average total assets | $187,904,250 | 3,093 |
| Average earning assets | $172,857,750 | 3,091 |
| Average equity | $21,948,250 | 3,014 |
| Average total loans | $84,517,000 | 3,714 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 4,473 |
| Cost of funding earning assets | 0.2678% | 4,469 |
| Net interest margin | 3.3732% | 3,989 |
| Noninterest income to average assets | 0.3341% | 4,394 |
| Noninterest expense to average assets | 1.6524% | 5,719 |
| Loan and lease loss provision to assets | 0.1692% | 1,314 |
| Net operating income to assets | 1.1249% | 1,868 |
| Return on assets (ROA) | 1.1249% | 1,978 |
| Pretax return on assets | 1.6291% | 1,281 |
| Return on Equity (ROE) | 9.7923% | 2,139 |
| Retained earnings to average equity (ytd only) | 3.8102% | 3,459 |
| Net charge-offs to loans | 0.1259% | 1,584 |
| Credit loss provision to net charge-offs | 301.8868% | 952 |
| Earnings coverage of net charge-offs (x) | 32.0943% | 1,346 |
| Efficiency ratio | 47.8860% | 5,670 |
| Assets per employee ($millions) | 6.1705% | 1,286 |
| Cash dividends to net income (ytd only)* | 61.0902% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5405% | 345 |
| Loan loss allowance to noncurrent loans | 247.7457% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 3,363 |
| Noncurrent loans to loans | 1.0255% | 2,239 |
| Net loans and leases to total assets | 44.4099% | 5,205 |
| Net loans and leases to deposits | 52.5589% | 5,223 |
| Net loans and leases to core deposits | 53.9404% | 5,279 |
| Total domestic deposits to total assets | 84.4955% | 3,092 |
| Equity capital to assets | 11.9110% | 2,186 |
| Core capital (leverage) ratio | 11.8103% | 1,758 |
| Tier 1 risk-based capital ratio | 23.4232% | 972 |
| Total risk-based capital ratio | 24.6863% | 949 |
| Memoranda: | ||
| Average total assets | $189,179,330 | 3,095 |
| Average earning assets | $174,788,000 | 3,088 |
| Average equity | $21,731,330 | 3,038 |
| Average total loans | $84,213,670 | 3,740 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 4,742 |
| Cost of funding earning assets | 0.2671% | 4,530 |
| Net interest margin | 3.2910% | 4,257 |
| Noninterest income to average assets | 0.3138% | 4,484 |
| Noninterest expense to average assets | 1.6191% | 5,818 |
| Loan and lease loss provision to assets | 0.1464% | 1,442 |
| Net operating income to assets | 1.0983% | 1,909 |
| Return on assets (ROA) | 1.0983% | 2,005 |
| Pretax return on assets | 1.5899% | 1,325 |
| Return on Equity (ROE) | 9.7346% | 2,103 |
| Retained earnings to average equity (ytd only) | -2.3178% | 5,414 |
| Net charge-offs to loans | 0.0143% | 2,656 |
| Credit loss provision to net charge-offs | 2,333.3333% | 178 |
| Earnings coverage of net charge-offs (x) | 276.6667% | 218 |
| Efficiency ratio | 48.2544% | 5,713 |
| Assets per employee ($millions) | 6.3653% | 1,185 |
| Cash dividends to net income (ytd only)* | 123.8095% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4990% | 388 |
| Loan loss allowance to noncurrent loans | 173.8017% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 2,842 |
| Noncurrent loans to loans | 1.4379% | 1,651 |
| Net loans and leases to total assets | 42.9676% | 5,301 |
| Net loans and leases to deposits | 50.6325% | 5,307 |
| Net loans and leases to core deposits | 52.0074% | 5,353 |
| Total domestic deposits to total assets | 84.8616% | 3,181 |
| Equity capital to assets | 11.2643% | 2,662 |
| Core capital (leverage) ratio | 11.3473% | 2,098 |
| Tier 1 risk-based capital ratio | 22.6590% | 1,064 |
| Total risk-based capital ratio | 23.9210% | 1,034 |
| Memoranda: | ||
| Average total assets | $191,212,000 | 3,081 |
| Average earning assets | $176,726,000 | 3,087 |
| Average equity | $21,572,500 | 3,057 |
| Average total loans | $84,144,500 | 3,752 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 4,389 |
| Cost of funding earning assets | 0.2839% | 4,431 |
| Net interest margin | 3.4074% | 3,881 |
| Noninterest income to average assets | 0.3217% | 4,599 |
| Noninterest expense to average assets | 1.7951% | 5,743 |
| Loan and lease loss provision to assets | 0.0270% | 3,842 |
| Net operating income to assets | 1.1069% | 1,890 |
| Return on assets (ROA) | 1.1069% | 1,956 |
| Pretax return on assets | 1.6413% | 1,134 |
| Return on Equity (ROE) | 9.8737% | 2,055 |
| Retained earnings to average equity (ytd only) | 6.8649% | 1,340 |
| Net charge-offs to loans | 0.8952% | 233 |
| Credit loss provision to net charge-offs | 6.9735% | 3,846 |
| Earnings coverage of net charge-offs (x) | 4.3110% | 3,576 |
| Efficiency ratio | 51.8311% | 5,644 |
| Assets per employee ($millions) | 6.3822% | 1,152 |
| Cash dividends to net income (ytd only)* | 30.4729% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4199% | 442 |
| Loan loss allowance to noncurrent loans | 167.4342% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 2,864 |
| Noncurrent loans to loans | 1.4453% | 1,616 |
| Net loans and leases to total assets | 42.8797% | 5,355 |
| Net loans and leases to deposits | 50.2147% | 5,380 |
| Net loans and leases to core deposits | 51.6466% | 5,428 |
| Total domestic deposits to total assets | 85.3927% | 2,904 |
| Equity capital to assets | 11.2997% | 2,541 |
| Core capital (leverage) ratio | 11.2580% | 2,152 |
| Tier 1 risk-based capital ratio | 22.7718% | 1,045 |
| Total risk-based capital ratio | 24.0327% | 1,028 |
| Memoranda: | ||
| Average total assets | $185,285,200 | 3,113 |
| Average earning assets | $170,834,800 | 3,120 |
| Average equity | $20,772,400 | 3,099 |
| Average total loans | $80,096,600 | 3,823 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 4,356 |
| Cost of funding earning assets | 0.2864% | 4,490 |
| Net interest margin | 3.4358% | 3,815 |
| Noninterest income to average assets | 0.3157% | 4,682 |
| Noninterest expense to average assets | 1.7495% | 5,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1944% | 1,671 |
| Return on assets (ROA) | 1.1944% | 1,733 |
| Pretax return on assets | 1.7350% | 1,019 |
| Return on Equity (ROE) | 10.6759% | 1,835 |
| Retained earnings to average equity (ytd only) | 6.6222% | 1,878 |
| Net charge-offs to loans | 0.1315% | 1,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 30.6531% | 1,470 |
| Efficiency ratio | 50.2082% | 5,765 |
| Assets per employee ($millions) | 5.9964% | 1,376 |
| Cash dividends to net income (ytd only)* | 37.9708% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3405% | 174 |
| Loan loss allowance to noncurrent loans | 337.4036% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 3,759 |
| Noncurrent loans to loans | 0.9900% | 2,514 |
| Net loans and leases to total assets | 40.8617% | 5,554 |
| Net loans and leases to deposits | 47.7603% | 5,580 |
| Net loans and leases to core deposits | 49.1606% | 5,608 |
| Total domestic deposits to total assets | 85.5558% | 2,757 |
| Equity capital to assets | 11.4209% | 2,562 |
| Core capital (leverage) ratio | 11.4564% | 2,069 |
| Tier 1 risk-based capital ratio | 24.1535% | 935 |
| Total risk-based capital ratio | 25.4255% | 918 |
| Memoranda: | ||
| Average total assets | $183,740,000 | 3,151 |
| Average earning assets | $169,464,500 | 3,159 |
| Average equity | $20,556,750 | 3,146 |
| Average total loans | $79,086,750 | 3,891 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7272% | 4,327 |
| Cost of funding earning assets | 0.2875% | 4,530 |
| Net interest margin | 3.4397% | 3,755 |
| Noninterest income to average assets | 0.3191% | 4,678 |
| Noninterest expense to average assets | 1.7561% | 5,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1955% | 1,616 |
| Return on assets (ROA) | 1.1955% | 1,694 |
| Pretax return on assets | 1.7397% | 998 |
| Return on Equity (ROE) | 10.7612% | 1,761 |
| Retained earnings to average equity (ytd only) | 4.6133% | 3,100 |
| Net charge-offs to loans | 0.2372% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 16.9362% | 1,879 |
| Efficiency ratio | 50.2344% | 5,844 |
| Assets per employee ($millions) | 6.2636% | 1,177 |
| Cash dividends to net income (ytd only)* | 57.1298% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2597% | 205 |
| Loan loss allowance to noncurrent loans | 357.3973% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.4933% | 3,974 |
| Noncurrent loans to loans | 0.9121% | 2,846 |
| Net loans and leases to total assets | 41.2058% | 5,562 |
| Net loans and leases to deposits | 47.7765% | 5,604 |
| Net loans and leases to core deposits | 49.1497% | 5,646 |
| Total domestic deposits to total assets | 86.2470% | 2,560 |
| Equity capital to assets | 11.0043% | 2,874 |
| Core capital (leverage) ratio | 11.5579% | 1,954 |
| Tier 1 risk-based capital ratio | 23.2604% | 1,041 |
| Total risk-based capital ratio | 24.5247% | 1,025 |
| Memoranda: | ||
| Average total assets | $183,024,000 | 3,185 |
| Average earning assets | $169,026,670 | 3,175 |
| Average equity | $20,332,330 | 3,181 |
| Average total loans | $79,255,000 | 3,907 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,275 |
| Cost of funding earning assets | 0.2954% | 4,489 |
| Net interest margin | 3.4297% | 3,718 |
| Noninterest income to average assets | 0.3345% | 4,511 |
| Noninterest expense to average assets | 1.8008% | 5,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1651% | 1,649 |
| Return on assets (ROA) | 1.1651% | 1,754 |
| Pretax return on assets | 1.6967% | 1,056 |
| Return on Equity (ROE) | 10.4368% | 1,817 |
| Retained earnings to average equity (ytd only) | -1.9643% | 5,684 |
| Net charge-offs to loans | 0.4463% | 557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.7045% | 2,069 |
| Efficiency ratio | 51.4883% | 5,842 |
| Assets per employee ($millions) | 6.0554% | 1,368 |
| Cash dividends to net income (ytd only)* | 118.8213% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2529% | 225 |
| Loan loss allowance to noncurrent loans | 425.2033% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 4,063 |
| Noncurrent loans to loans | 0.7650% | 3,342 |
| Net loans and leases to total assets | 42.8128% | 5,436 |
| Net loans and leases to deposits | 51.1113% | 5,384 |
| Net loans and leases to core deposits | 52.7854% | 5,440 |
| Total domestic deposits to total assets | 83.7639% | 3,902 |
| Equity capital to assets | 11.0699% | 2,898 |
| Core capital (leverage) ratio | 11.1443% | 2,273 |
| Tier 1 risk-based capital ratio | 22.7111% | 1,146 |
| Total risk-based capital ratio | 23.9816% | 1,126 |
| Memoranda: | ||
| Average total assets | $180,582,000 | 3,225 |
| Average earning assets | $166,544,000 | 3,227 |
| Average equity | $20,159,500 | 3,222 |
| Average total loans | $78,863,500 | 3,931 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 3,946 |
| Cost of funding earning assets | 0.3356% | 4,429 |
| Net interest margin | 3.6091% | 3,381 |
| Noninterest income to average assets | 0.3523% | 4,589 |
| Noninterest expense to average assets | 1.8583% | 5,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2015% | 1,582 |
| Return on assets (ROA) | 1.2015% | 1,639 |
| Pretax return on assets | 1.8019% | 786 |
| Return on Equity (ROE) | 10.5820% | 1,865 |
| Retained earnings to average equity (ytd only) | 7.7591% | 1,108 |
| Net charge-offs to loans | 0.1237% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 33.3043% | 1,241 |
| Efficiency ratio | 50.7712% | 6,051 |
| Assets per employee ($millions) | 5.9834% | 1,388 |
| Cash dividends to net income (ytd only)* | 26.6765% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4938% | 184 |
| Loan loss allowance to noncurrent loans | 266.9960% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 3,311 |
| Noncurrent loans to loans | 1.3086% | 2,256 |
| Net loans and leases to total assets | 41.5792% | 5,650 |
| Net loans and leases to deposits | 49.4842% | 5,610 |
| Net loans and leases to core deposits | 51.1202% | 5,656 |
| Total domestic deposits to total assets | 84.0252% | 3,710 |
| Equity capital to assets | 11.2584% | 2,640 |
| Core capital (leverage) ratio | 11.1652% | 2,246 |
| Tier 1 risk-based capital ratio | 23.2742% | 1,039 |
| Total risk-based capital ratio | 24.5468% | 1,013 |
| Memoranda: | ||
| Average total assets | $170,044,000 | 3,343 |
| Average earning assets | $155,857,200 | 3,343 |
| Average equity | $19,306,400 | 3,251 |
| Average total loans | $74,374,800 | 4,044 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,920 |
| Cost of funding earning assets | 0.3434% | 4,419 |
| Net interest margin | 3.6183% | 3,355 |
| Noninterest income to average assets | 0.3594% | 4,558 |
| Noninterest expense to average assets | 1.8630% | 6,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2524% | 1,519 |
| Return on assets (ROA) | 1.2524% | 1,574 |
| Pretax return on assets | 1.8145% | 866 |
| Return on Equity (ROE) | 11.0056% | 1,787 |
| Retained earnings to average equity (ytd only) | 7.1973% | 1,718 |
| Net charge-offs to loans | 0.2010% | 1,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.5580% | 1,725 |
| Efficiency ratio | 50.6595% | 6,071 |
| Assets per employee ($millions) | 5.7367% | 1,536 |
| Cash dividends to net income (ytd only)* | 34.6032% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4610% | 238 |
| Loan loss allowance to noncurrent loans | 290.9978% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 3,583 |
| Noncurrent loans to loans | 1.1893% | 2,673 |
| Net loans and leases to total assets | 43.4858% | 5,562 |
| Net loans and leases to deposits | 51.1401% | 5,578 |
| Net loans and leases to core deposits | 53.0762% | 5,623 |
| Total domestic deposits to total assets | 85.0325% | 3,325 |
| Equity capital to assets | 11.4707% | 2,511 |
| Core capital (leverage) ratio | 11.6633% | 1,929 |
| Tier 1 risk-based capital ratio | 22.4628% | 1,194 |
| Total risk-based capital ratio | 23.7350% | 1,172 |
| Memoranda: | ||
| Average total assets | $167,679,750 | 3,395 |
| Average earning assets | $153,768,750 | 3,411 |
| Average equity | $19,080,750 | 3,289 |
| Average total loans | $73,634,250 | 4,099 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,904 |
| Cost of funding earning assets | 0.3490% | 4,449 |
| Net interest margin | 3.6091% | 3,328 |
| Noninterest income to average assets | 0.3502% | 4,628 |
| Noninterest expense to average assets | 1.8664% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2382% | 1,482 |
| Return on assets (ROA) | 1.2382% | 1,544 |
| Pretax return on assets | 1.7942% | 855 |
| Return on Equity (ROE) | 10.9116% | 1,768 |
| Retained earnings to average equity (ytd only) | 5.1324% | 2,877 |
| Net charge-offs to loans | 0.1548% | 2,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 26.6250% | 1,362 |
| Efficiency ratio | 50.9862% | 6,125 |
| Assets per employee ($millions) | 5.4324% | 1,760 |
| Cash dividends to net income (ytd only)* | 52.9640% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7650% | 203 |
| Loan loss allowance to noncurrent loans | 277.1255% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7886% | 3,596 |
| Noncurrent loans to loans | 1.3586% | 2,541 |
| Net loans and leases to total assets | 41.5580% | 5,706 |
| Net loans and leases to deposits | 48.8466% | 5,719 |
| Net loans and leases to core deposits | 50.8302% | 5,746 |
| Total domestic deposits to total assets | 85.0787% | 3,466 |
| Equity capital to assets | 11.3983% | 2,512 |
| Core capital (leverage) ratio | 11.5063% | 1,995 |
| Tier 1 risk-based capital ratio | 23.1740% | 1,086 |
| Total risk-based capital ratio | 24.4489% | 1,065 |
| Memoranda: | ||
| Average total assets | $166,206,330 | 3,435 |
| Average earning assets | $152,449,670 | 3,436 |
| Average equity | $18,860,670 | 3,304 |
| Average total loans | $72,338,330 | 4,152 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 3,795 |
| Cost of funding earning assets | 0.3562% | 4,478 |
| Net interest margin | 3.6174% | 3,185 |
| Noninterest income to average assets | 0.3319% | 4,716 |
| Noninterest expense to average assets | 1.8654% | 6,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2356% | 1,385 |
| Return on assets (ROA) | 1.2356% | 1,443 |
| Pretax return on assets | 1.7879% | 815 |
| Return on Equity (ROE) | 10.9129% | 1,716 |
| Retained earnings to average equity (ytd only) | -0.7489% | 5,689 |
| Net charge-offs to loans | 0.4934% | 745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.2921% | 2,038 |
| Efficiency ratio | 51.0610% | 6,188 |
| Assets per employee ($millions) | 5.5649% | 1,648 |
| Cash dividends to net income (ytd only)* | 106.8627% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7798% | 219 |
| Loan loss allowance to noncurrent loans | 395.4678% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 4,297 |
| Noncurrent loans to loans | 0.9558% | 3,500 |
| Net loans and leases to total assets | 41.2469% | 5,729 |
| Net loans and leases to deposits | 48.7432% | 5,688 |
| Net loans and leases to core deposits | 50.7686% | 5,707 |
| Total domestic deposits to total assets | 84.6208% | 4,035 |
| Equity capital to assets | 11.1869% | 2,537 |
| Core capital (leverage) ratio | 11.3936% | 2,055 |
| Tier 1 risk-based capital ratio | 23.0576% | 1,132 |
| Total risk-based capital ratio | 24.3330% | 1,122 |
| Memoranda: | ||
| Average total assets | $165,108,000 | 3,480 |
| Average earning assets | $151,600,500 | 3,477 |
| Average equity | $18,693,500 | 3,325 |
| Average total loans | $72,146,000 | 4,197 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,907 |
| Cost of funding earning assets | 0.4218% | 4,414 |
| Net interest margin | 3.8913% | 2,318 |
| Noninterest income to average assets | 0.3947% | 4,484 |
| Noninterest expense to average assets | 1.8753% | 6,220 |
| Loan and lease loss provision to assets | 0.1367% | 2,593 |
| Net operating income to assets | 1.2898% | 1,274 |
| Return on assets (ROA) | 1.2898% | 1,328 |
| Pretax return on assets | 1.9269% | 570 |
| Return on Equity (ROE) | 11.7091% | 1,516 |
| Retained earnings to average equity (ytd only) | 9.7341% | 612 |
| Net charge-offs to loans | 0.7516% | 847 |
| Credit loss provision to net charge-offs | 39.7830% | 4,054 |
| Earnings coverage of net charge-offs (x) | 6.0036% | 3,154 |
| Efficiency ratio | 47.6093% | 6,500 |
| Assets per employee ($millions) | 5.4423% | 1,707 |
| Cash dividends to net income (ytd only)* | 16.8675% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8418% | 225 |
| Loan loss allowance to noncurrent loans | 307.0330% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7050% | 4,140 |
| Noncurrent loans to loans | 1.2513% | 3,036 |
| Net loans and leases to total assets | 42.8327% | 5,763 |
| Net loans and leases to deposits | 50.5377% | 5,728 |
| Net loans and leases to core deposits | 52.8930% | 5,738 |
| Total domestic deposits to total assets | 84.7541% | 3,869 |
| Equity capital to assets | 11.4602% | 2,200 |
| Core capital (leverage) ratio | 11.3333% | 2,084 |
| Tier 1 risk-based capital ratio | 22.7608% | 1,137 |
| Total risk-based capital ratio | 24.0369% | 1,106 |
| Memoranda: | ||
| Average total assets | $160,879,000 | 3,550 |
| Average earning assets | $146,531,600 | 3,565 |
| Average equity | $17,721,200 | 3,465 |
| Average total loans | $73,572,400 | 4,146 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 2,857 |
| Cost of funding earning assets | 0.4371% | 4,423 |
| Net interest margin | 3.8974% | 2,285 |
| Noninterest income to average assets | 0.4126% | 4,432 |
| Noninterest expense to average assets | 1.8800% | 6,216 |
| Loan and lease loss provision to assets | 0.1830% | 1,988 |
| Net operating income to assets | 1.3093% | 1,330 |
| Return on assets (ROA) | 1.3093% | 1,383 |
| Pretax return on assets | 1.8950% | 720 |
| Return on Equity (ROE) | 12.0101% | 1,470 |
| Retained earnings to average equity (ytd only) | 9.3395% | 952 |
| Net charge-offs to loans | 0.0199% | 4,736 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 227.0334% | 256 |
| Efficiency ratio | 47.4989% | 6,524 |
| Assets per employee ($millions) | 5.3497% | 1,795 |
| Cash dividends to net income (ytd only)* | 22.2366% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4344% | 172 |
| Loan loss allowance to noncurrent loans | 186.3687% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 1.1153% | 3,420 |
| Noncurrent loans to loans | 2.3794% | 1,847 |
| Net loans and leases to total assets | 44.7966% | 5,647 |
| Net loans and leases to deposits | 52.5775% | 5,667 |
| Net loans and leases to core deposits | 55.0604% | 5,690 |
| Total domestic deposits to total assets | 85.2009% | 3,631 |
| Equity capital to assets | 11.3465% | 2,435 |
| Core capital (leverage) ratio | 11.5189% | 2,026 |
| Tier 1 risk-based capital ratio | 21.6688% | 1,369 |
| Total risk-based capital ratio | 22.9527% | 1,343 |
| Memoranda: | ||
| Average total assets | $160,281,250 | 3,591 |
| Average earning assets | $145,804,000 | 3,611 |
| Average equity | $17,473,750 | 3,535 |
| Average total loans | $73,783,750 | 4,166 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,790 |
| Cost of funding earning assets | 0.4576% | 4,345 |
| Net interest margin | 3.8832% | 2,261 |
| Noninterest income to average assets | 0.3957% | 4,558 |
| Noninterest expense to average assets | 1.8975% | 6,224 |
| Loan and lease loss provision to assets | 0.2746% | 1,341 |
| Net operating income to assets | 1.2109% | 1,569 |
| Return on assets (ROA) | 1.2109% | 1,671 |
| Pretax return on assets | 1.7514% | 1,012 |
| Return on Equity (ROE) | 11.2605% | 1,729 |
| Retained earnings to average equity (ytd only) | 7.1974% | 1,795 |
| Net charge-offs to loans | 0.1119% | 3,246 |
| Credit loss provision to net charge-offs | 536.5854% | 527 |
| Earnings coverage of net charge-offs (x) | 39.5854% | 935 |
| Efficiency ratio | 48.3614% | 6,517 |
| Assets per employee ($millions) | 5.4932% | 1,600 |
| Cash dividends to net income (ytd only)* | 36.0825% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4456% | 181 |
| Loan loss allowance to noncurrent loans | 195.2747% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 3,521 |
| Noncurrent loans to loans | 2.2766% | 2,086 |
| Net loans and leases to total assets | 44.6059% | 5,688 |
| Net loans and leases to deposits | 52.3767% | 5,653 |
| Net loans and leases to core deposits | 54.8684% | 5,682 |
| Total domestic deposits to total assets | 85.1636% | 3,818 |
| Equity capital to assets | 11.0518% | 2,704 |
| Core capital (leverage) ratio | 11.0647% | 2,294 |
| Tier 1 risk-based capital ratio | 20.9955% | 1,495 |
| Total risk-based capital ratio | 22.2787% | 1,463 |
| Memoranda: | ||
| Average total assets | $160,211,670 | 3,606 |
| Average earning assets | $145,549,670 | 3,635 |
| Average equity | $17,228,330 | 3,588 |
| Average total loans | $73,301,670 | 4,200 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 2,984 |
| Cost of funding earning assets | 0.4812% | 4,271 |
| Net interest margin | 3.7977% | 2,459 |
| Noninterest income to average assets | 0.3734% | 4,684 |
| Noninterest expense to average assets | 1.8896% | 6,288 |
| Loan and lease loss provision to assets | 0.2988% | 1,169 |
| Net operating income to assets | 1.1378% | 1,722 |
| Return on assets (ROA) | 1.1378% | 1,836 |
| Pretax return on assets | 1.6432% | 1,204 |
| Return on Equity (ROE) | 10.7280% | 1,780 |
| Retained earnings to average equity (ytd only) | 2.5118% | 4,770 |
| Net charge-offs to loans | 0.0055% | 4,053 |
| Credit loss provision to net charge-offs | 12,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 780.0000% | 32 |
| Efficiency ratio | 49.3177% | 6,545 |
| Assets per employee ($millions) | 5.5035% | 1,666 |
| Cash dividends to net income (ytd only)* | 76.5864% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4251% | 209 |
| Loan loss allowance to noncurrent loans | 232.1888% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8997% | 4,137 |
| Noncurrent loans to loans | 1.9058% | 2,729 |
| Net loans and leases to total assets | 43.9274% | 5,670 |
| Net loans and leases to deposits | 51.2748% | 5,684 |
| Net loans and leases to core deposits | 53.5940% | 5,700 |
| Total domestic deposits to total assets | 85.6706% | 3,699 |
| Equity capital to assets | 10.7098% | 3,308 |
| Core capital (leverage) ratio | 10.7433% | 2,505 |
| Tier 1 risk-based capital ratio | 20.6230% | 1,633 |
| Total risk-based capital ratio | 21.9056% | 1,592 |
| Memoranda: | ||
| Average total assets | $160,665,500 | 3,633 |
| Average earning assets | $146,299,000 | 3,658 |
| Average equity | $17,039,500 | 3,667 |
| Average total loans | $72,770,000 | 4,241 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 2,893 |
| Cost of funding earning assets | 0.6345% | 4,054 |
| Net interest margin | 3.9919% | 2,422 |
| Noninterest income to average assets | 0.4167% | 4,478 |
| Noninterest expense to average assets | 1.9729% | 6,382 |
| Loan and lease loss provision to assets | 0.4351% | 1,463 |
| Net operating income to assets | 1.1141% | 1,889 |
| Return on assets (ROA) | 1.1141% | 2,064 |
| Pretax return on assets | 1.6254% | 1,318 |
| Return on Equity (ROE) | 10.8599% | 1,850 |
| Retained earnings to average equity (ytd only) | 9.4668% | 704 |
| Net charge-offs to loans | 1.5771% | 545 |
| Credit loss provision to net charge-offs | 60.9431% | 4,421 |
| Earnings coverage of net charge-offs (x) | 2.8861% | 3,986 |
| Efficiency ratio | 48.9134% | 6,653 |
| Assets per employee ($millions) | 5.3910% | 1,794 |
| Cash dividends to net income (ytd only)* | 12.8278% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3319% | 221 |
| Loan loss allowance to noncurrent loans | 260.5833% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8180% | 4,429 |
| Noncurrent loans to loans | 1.6624% | 3,132 |
| Net loans and leases to total assets | 42.6998% | 5,926 |
| Net loans and leases to deposits | 49.5004% | 5,992 |
| Net loans and leases to core deposits | 51.8901% | 6,021 |
| Total domestic deposits to total assets | 86.2616% | 3,225 |
| Equity capital to assets | 10.5028% | 3,529 |
| Core capital (leverage) ratio | 10.2996% | 3,016 |
| Tier 1 risk-based capital ratio | 20.9714% | 1,467 |
| Total risk-based capital ratio | 22.2542% | 1,433 |
| Memoranda: | ||
| Average total assets | $157,434,600 | 3,661 |
| Average earning assets | $142,640,400 | 3,685 |
| Average equity | $16,151,200 | 3,753 |
| Average total loans | $71,269,600 | 4,309 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 2,830 |
| Cost of funding earning assets | 0.6593% | 4,110 |
| Net interest margin | 4.0347% | 2,361 |
| Noninterest income to average assets | 0.4170% | 4,504 |
| Noninterest expense to average assets | 1.9902% | 6,368 |
| Loan and lease loss provision to assets | 0.4562% | 1,361 |
| Net operating income to assets | 1.1503% | 1,905 |
| Return on assets (ROA) | 1.1503% | 2,101 |
| Pretax return on assets | 1.6236% | 1,498 |
| Return on Equity (ROE) | 11.2819% | 1,862 |
| Retained earnings to average equity (ytd only) | 9.4002% | 1,093 |
| Net charge-offs to loans | 1.7773% | 448 |
| Credit loss provision to net charge-offs | 56.4942% | 4,249 |
| Earnings coverage of net charge-offs (x) | 2.5755% | 4,009 |
| Efficiency ratio | 48.9001% | 6,674 |
| Assets per employee ($millions) | 5.4793% | 1,656 |
| Cash dividends to net income (ytd only)* | 16.6789% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3712% | 238 |
| Loan loss allowance to noncurrent loans | 184.0140% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 1.1215% | 4,050 |
| Noncurrent loans to loans | 2.3755% | 2,429 |
| Net loans and leases to total assets | 43.4238% | 6,011 |
| Net loans and leases to deposits | 50.1144% | 6,098 |
| Net loans and leases to core deposits | 52.4691% | 6,151 |
| Total domestic deposits to total assets | 86.6494% | 2,883 |
| Equity capital to assets | 10.4349% | 3,919 |
| Core capital (leverage) ratio | 10.4845% | 2,931 |
| Tier 1 risk-based capital ratio | 20.6124% | 1,617 |
| Total risk-based capital ratio | 21.8953% | 1,579 |
| Memoranda: | ||
| Average total assets | $156,361,000 | 3,714 |
| Average earning assets | $141,566,750 | 3,743 |
| Average equity | $15,942,500 | 3,825 |
| Average total loans | $71,040,750 | 4,361 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7976% | 2,520 |
| Cost of funding earning assets | 0.6764% | 4,212 |
| Net interest margin | 4.1212% | 2,004 |
| Noninterest income to average assets | 0.4334% | 4,410 |
| Noninterest expense to average assets | 2.0114% | 6,406 |
| Loan and lease loss provision to assets | 0.5337% | 1,165 |
| Net operating income to assets | 1.1587% | 1,856 |
| Return on assets (ROA) | 1.1587% | 2,060 |
| Pretax return on assets | 1.6101% | 1,518 |
| Return on Equity (ROE) | 11.4561% | 1,835 |
| Retained earnings to average equity (ytd only) | 8.5952% | 1,416 |
| Net charge-offs to loans | 2.5556% | 271 |
| Credit loss provision to net charge-offs | 45.9579% | 4,128 |
| Earnings coverage of net charge-offs (x) | 1.8461% | 4,050 |
| Efficiency ratio | 48.4061% | 6,748 |
| Assets per employee ($millions) | 5.2812% | 1,837 |
| Cash dividends to net income (ytd only)* | 24.9723% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3198% | 267 |
| Loan loss allowance to noncurrent loans | 181.9149% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 4,146 |
| Noncurrent loans to loans | 2.3746% | 2,529 |
| Net loans and leases to total assets | 43.0306% | 6,108 |
| Net loans and leases to deposits | 49.7004% | 6,199 |
| Net loans and leases to core deposits | 52.0416% | 6,235 |
| Total domestic deposits to total assets | 86.5801% | 3,022 |
| Equity capital to assets | 10.1827% | 4,078 |
| Core capital (leverage) ratio | 10.3020% | 3,043 |
| Tier 1 risk-based capital ratio | 19.8582% | 1,737 |
| Total risk-based capital ratio | 21.1396% | 1,698 |
| Memoranda: | ||
| Average total assets | $155,515,000 | 3,747 |
| Average earning assets | $140,445,670 | 3,778 |
| Average equity | $15,729,670 | 3,848 |
| Average total loans | $70,669,670 | 4,399 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 2,420 |
| Cost of funding earning assets | 0.6969% | 4,309 |
| Net interest margin | 4.1587% | 1,903 |
| Noninterest income to average assets | 0.3895% | 4,748 |
| Noninterest expense to average assets | 2.0382% | 6,393 |
| Loan and lease loss provision to assets | 0.7789% | 639 |
| Net operating income to assets | 0.9529% | 2,674 |
| Return on assets (ROA) | 0.9529% | 2,881 |
| Pretax return on assets | 1.3216% | 2,458 |
| Return on Equity (ROE) | 9.4539% | 2,621 |
| Retained earnings to average equity (ytd only) | 3.6579% | 4,387 |
| Net charge-offs to loans | 0.9264% | 1,112 |
| Credit loss provision to net charge-offs | 184.0491% | 1,423 |
| Earnings coverage of net charge-offs (x) | 4.9632% | 2,467 |
| Efficiency ratio | 49.2472% | 6,724 |
| Assets per employee ($millions) | 5.1618% | 2,046 |
| Cash dividends to net income (ytd only)* | 61.3079% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2321% | 142 |
| Loan loss allowance to noncurrent loans | 207.9169% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 3,885 |
| Noncurrent loans to loans | 2.5165% | 2,590 |
| Net loans and leases to total assets | 43.3127% | 6,069 |
| Net loans and leases to deposits | 49.9237% | 6,143 |
| Net loans and leases to core deposits | 52.3734% | 6,175 |
| Total domestic deposits to total assets | 86.7578% | 3,089 |
| Equity capital to assets | 10.0734% | 4,036 |
| Core capital (leverage) ratio | 10.1862% | 3,129 |
| Tier 1 risk-based capital ratio | 19.5068% | 1,835 |
| Total risk-based capital ratio | 20.7986% | 1,802 |
| Memoranda: | ||
| Average total assets | $154,054,500 | 3,801 |
| Average earning assets | $138,891,000 | 3,839 |
| Average equity | $15,528,000 | 3,884 |
| Average total loans | $70,377,500 | 4,438 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1445% | 2,270 |
| Cost of funding earning assets | 0.9856% | 3,476 |
| Net interest margin | 4.1590% | 2,199 |
| Noninterest income to average assets | 0.4382% | 4,312 |
| Noninterest expense to average assets | 2.0349% | 6,614 |
| Loan and lease loss provision to assets | 1.0197% | 924 |
| Net operating income to assets | 0.8395% | 2,878 |
| Return on assets (ROA) | 0.8395% | 3,034 |
| Pretax return on assets | 1.1704% | 2,579 |
| Return on Equity (ROE) | 8.6492% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.6492% | 895 |
| Net charge-offs to loans | 1.1813% | 1,429 |
| Credit loss provision to net charge-offs | 180.6527% | 1,438 |
| Earnings coverage of net charge-offs (x) | 3.8800% | 3,348 |
| Efficiency ratio | 48.1626% | 6,941 |
| Assets per employee ($millions) | 5.2847% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0957% | 169 |
| Loan loss allowance to noncurrent loans | 194.2266% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 1.6032% | 3,548 |
| Noncurrent loans to loans | 2.6236% | 2,488 |
| Net loans and leases to total assets | 43.3360% | 6,263 |
| Net loans and leases to deposits | 49.9816% | 6,365 |
| Net loans and leases to core deposits | 52.4584% | 6,404 |
| Total domestic deposits to total assets | 86.7039% | 2,913 |
| Equity capital to assets | 10.0857% | 4,055 |
| Core capital (leverage) ratio | 9.8181% | 3,565 |
| Tier 1 risk-based capital ratio | 19.6546% | 1,713 |
| Total risk-based capital ratio | 20.9453% | 1,672 |
| Memoranda: | ||
| Average total assets | $151,999,600 | 3,762 |
| Average earning assets | $138,399,600 | 3,778 |
| Average equity | $14,752,800 | 3,956 |
| Average total loans | $72,632,000 | 4,393 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1905% | 2,241 |
| Cost of funding earning assets | 1.0221% | 3,522 |
| Net interest margin | 4.1684% | 2,212 |
| Noninterest income to average assets | 0.4562% | 4,249 |
| Noninterest expense to average assets | 2.0419% | 6,608 |
| Loan and lease loss provision to assets | 1.0987% | 749 |
| Net operating income to assets | 0.7559% | 3,360 |
| Return on assets (ROA) | 0.7559% | 3,523 |
| Pretax return on assets | 1.1190% | 2,928 |
| Return on Equity (ROE) | 7.8662% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.8662% | 1,558 |
| Net charge-offs to loans | 1.0678% | 1,491 |
| Credit loss provision to net charge-offs | 212.9472% | 1,360 |
| Earnings coverage of net charge-offs (x) | 4.2981% | 3,114 |
| Efficiency ratio | 47.9364% | 6,966 |
| Assets per employee ($millions) | 6.1798% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8515% | 209 |
| Loan loss allowance to noncurrent loans | 159.6840% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 1.6816% | 3,565 |
| Noncurrent loans to loans | 3.0382% | 2,281 |
| Net loans and leases to total assets | 43.1726% | 6,410 |
| Net loans and leases to deposits | 49.1070% | 6,559 |
| Net loans and leases to core deposits | 51.2535% | 6,605 |
| Total domestic deposits to total assets | 87.9154% | 2,082 |
| Equity capital to assets | 9.3617% | 5,286 |
| Core capital (leverage) ratio | 9.8876% | 3,592 |
| Tier 1 risk-based capital ratio | 18.9246% | 1,963 |
| Total risk-based capital ratio | 20.2141% | 1,924 |
| Memoranda: | ||
| Average total assets | $151,685,500 | 3,798 |
| Average earning assets | $138,402,000 | 3,797 |
| Average equity | $14,576,750 | 4,012 |
| Average total loans | $73,294,750 | 4,407 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 1,857 |
| Cost of funding earning assets | 1.0713% | 3,464 |
| Net interest margin | 4.2378% | 1,887 |
| Noninterest income to average assets | 0.5232% | 3,675 |
| Noninterest expense to average assets | 2.0835% | 6,629 |
| Loan and lease loss provision to assets | 1.2778% | 586 |
| Net operating income to assets | 0.6376% | 3,873 |
| Return on assets (ROA) | 0.6376% | 3,998 |
| Pretax return on assets | 1.0196% | 3,167 |
| Return on Equity (ROE) | 6.5734% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.5734% | 2,096 |
| Net charge-offs to loans | 1.3483% | 1,134 |
| Credit loss provision to net charge-offs | 191.9192% | 1,574 |
| Earnings coverage of net charge-offs (x) | 3.4505% | 3,162 |
| Efficiency ratio | 47.5591% | 7,082 |
| Assets per employee ($millions) | 5.3750% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6056% | 252 |
| Loan loss allowance to noncurrent loans | 128.1864% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.9973% | 3,238 |
| Noncurrent loans to loans | 3.5929% | 1,965 |
| Net loans and leases to total assets | 45.8156% | 6,291 |
| Net loans and leases to deposits | 52.3470% | 6,440 |
| Net loans and leases to core deposits | 54.6860% | 6,514 |
| Total domestic deposits to total assets | 87.5230% | 2,453 |
| Equity capital to assets | 9.7375% | 4,487 |
| Core capital (leverage) ratio | 9.7478% | 3,602 |
| Tier 1 risk-based capital ratio | 18.6140% | 1,961 |
| Total risk-based capital ratio | 19.9007% | 1,914 |
| Memoranda: | ||
| Average total assets | $148,688,670 | 3,869 |
| Average earning assets | $135,354,000 | 3,875 |
| Average equity | $14,421,670 | 4,034 |
| Average total loans | $73,424,670 | 4,445 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 1,667 |
| Cost of funding earning assets | 1.1038% | 3,492 |
| Net interest margin | 4.2693% | 1,670 |
| Noninterest income to average assets | 0.6496% | 2,851 |
| Noninterest expense to average assets | 2.1085% | 6,619 |
| Loan and lease loss provision to assets | 1.3533% | 495 |
| Net operating income to assets | 0.6713% | 3,655 |
| Return on assets (ROA) | 0.6713% | 3,724 |
| Pretax return on assets | 1.0718% | 2,865 |
| Return on Equity (ROE) | 6.9346% | 3,414 |
| Retained earnings to average equity (ytd only) | 6.9346% | 2,173 |
| Net charge-offs to loans | 0.3297% | 2,737 |
| Credit loss provision to net charge-offs | 819.6721% | 471 |
| Earnings coverage of net charge-offs (x) | 14.6885% | 1,356 |
| Efficiency ratio | 46.5075% | 7,180 |
| Assets per employee ($millions) | 5.1136% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5326% | 282 |
| Loan loss allowance to noncurrent loans | 161.3736% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 1.6899% | 3,718 |
| Noncurrent loans to loans | 2.8088% | 2,691 |
| Net loans and leases to total assets | 47.0552% | 6,184 |
| Net loans and leases to deposits | 53.8700% | 6,297 |
| Net loans and leases to core deposits | 56.6658% | 6,358 |
| Total domestic deposits to total assets | 87.3495% | 2,739 |
| Equity capital to assets | 9.7300% | 4,137 |
| Core capital (leverage) ratio | 9.7425% | 3,464 |
| Tier 1 risk-based capital ratio | 18.1406% | 2,073 |
| Total risk-based capital ratio | 19.4267% | 2,025 |
| Memoranda: | ||
| Average total assets | $147,782,500 | 3,919 |
| Average earning assets | $134,448,500 | 3,926 |
| Average equity | $14,305,000 | 4,046 |
| Average total loans | $73,996,000 | 4,464 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7505% | 1,402 |
| Cost of funding earning assets | 1.4552% | 2,927 |
| Net interest margin | 4.2953% | 1,831 |
| Noninterest income to average assets | 0.4148% | 4,781 |
| Noninterest expense to average assets | 2.2074% | 6,593 |
| Loan and lease loss provision to assets | 1.5417% | 953 |
| Net operating income to assets | 0.3996% | 4,539 |
| Return on assets (ROA) | 0.3996% | 4,680 |
| Pretax return on assets | 0.5468% | 4,485 |
| Return on Equity (ROE) | 4.1808% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.1808% | 2,916 |
| Net charge-offs to loans | 2.7663% | 641 |
| Credit loss provision to net charge-offs | 103.1930% | 4,370 |
| Earnings coverage of net charge-offs (x) | 1.3980% | 4,715 |
| Efficiency ratio | 51.3840% | 7,032 |
| Assets per employee ($millions) | 4.9090% | 2,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8372% | 454 |
| Loan loss allowance to noncurrent loans | 118.4666% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 2.0418% | 3,294 |
| Noncurrent loans to loans | 3.2390% | 2,343 |
| Net loans and leases to total assets | 48.9064% | 6,282 |
| Net loans and leases to deposits | 56.1017% | 6,440 |
| Net loans and leases to core deposits | 59.1649% | 6,462 |
| Total domestic deposits to total assets | 87.1747% | 2,724 |
| Equity capital to assets | 9.6292% | 4,239 |
| Core capital (leverage) ratio | 9.4739% | 3,735 |
| Tier 1 risk-based capital ratio | 17.6120% | 2,126 |
| Total risk-based capital ratio | 18.8912% | 2,080 |
| Memoranda: | ||
| Average total assets | $144,650,200 | 3,974 |
| Average earning assets | $130,701,000 | 3,998 |
| Average equity | $13,825,200 | 4,178 |
| Average total loans | $78,120,000 | 4,386 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8109% | 1,362 |
| Cost of funding earning assets | 1.5128% | 2,896 |
| Net interest margin | 4.2981% | 1,855 |
| Noninterest income to average assets | 0.4315% | 4,705 |
| Noninterest expense to average assets | 2.2241% | 6,539 |
| Loan and lease loss provision to assets | 1.6482% | 779 |
| Net operating income to assets | 0.2880% | 5,214 |
| Return on assets (ROA) | 0.2880% | 5,382 |
| Pretax return on assets | 0.4370% | 5,121 |
| Return on Equity (ROE) | 3.0187% | 5,213 |
| Retained earnings to average equity (ytd only) | 3.0187% | 4,320 |
| Net charge-offs to loans | 3.2655% | 437 |
| Credit loss provision to net charge-offs | 92.0848% | 4,689 |
| Earnings coverage of net charge-offs (x) | 1.1650% | 4,899 |
| Efficiency ratio | 51.6115% | 7,019 |
| Assets per employee ($millions) | 4.6886% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4607% | 554 |
| Loan loss allowance to noncurrent loans | 107.3250% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 2.0615% | 3,391 |
| Noncurrent loans to loans | 3.2245% | 2,463 |
| Net loans and leases to total assets | 49.3088% | 6,394 |
| Net loans and leases to deposits | 56.1228% | 6,612 |
| Net loans and leases to core deposits | 58.8647% | 6,680 |
| Total domestic deposits to total assets | 87.8588% | 2,045 |
| Equity capital to assets | 9.2739% | 5,183 |
| Core capital (leverage) ratio | 9.6337% | 3,704 |
| Tier 1 risk-based capital ratio | 16.5888% | 2,520 |
| Total risk-based capital ratio | 17.8621% | 2,463 |
| Memoranda: | ||
| Average total assets | $143,995,000 | 4,036 |
| Average earning assets | $129,913,750 | 4,068 |
| Average equity | $13,736,250 | 4,264 |
| Average total loans | $78,925,250 | 4,434 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9439% | 1,066 |
| Cost of funding earning assets | 1.5751% | 2,799 |
| Net interest margin | 4.3688% | 1,539 |
| Noninterest income to average assets | 0.4226% | 4,731 |
| Noninterest expense to average assets | 2.2369% | 6,549 |
| Loan and lease loss provision to assets | 1.6904% | 749 |
| Net operating income to assets | 0.2902% | 5,219 |
| Return on assets (ROA) | 0.2902% | 5,374 |
| Pretax return on assets | 0.4296% | 5,123 |
| Return on Equity (ROE) | 3.0124% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.0124% | 4,201 |
| Net charge-offs to loans | 4.4824% | 260 |
| Credit loss provision to net charge-offs | 67.1892% | 5,041 |
| Earnings coverage of net charge-offs (x) | 0.8427% | 4,929 |
| Efficiency ratio | 51.3417% | 7,126 |
| Assets per employee ($millions) | 4.9158% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8782% | 932 |
| Loan loss allowance to noncurrent loans | 83.3584% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 2.3731% | 3,040 |
| Noncurrent loans to loans | 3.4527% | 2,300 |
| Net loans and leases to total assets | 52.5257% | 6,161 |
| Net loans and leases to deposits | 60.5685% | 6,361 |
| Net loans and leases to core deposits | 63.7268% | 6,421 |
| Total domestic deposits to total assets | 86.7211% | 2,692 |
| Equity capital to assets | 9.6867% | 4,418 |
| Core capital (leverage) ratio | 9.5591% | 3,731 |
| Tier 1 risk-based capital ratio | 16.7522% | 2,379 |
| Total risk-based capital ratio | 18.0199% | 2,325 |
| Memoranda: | ||
| Average total assets | $141,982,000 | 4,096 |
| Average earning assets | $127,862,330 | 4,139 |
| Average equity | $13,677,000 | 4,276 |
| Average total loans | $79,689,670 | 4,451 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0155% | 946 |
| Cost of funding earning assets | 1.6123% | 2,883 |
| Net interest margin | 4.4032% | 1,382 |
| Noninterest income to average assets | 0.4093% | 4,825 |
| Noninterest expense to average assets | 2.2414% | 6,578 |
| Loan and lease loss provision to assets | 2.1172% | 521 |
| Net operating income to assets | 0.0452% | 6,172 |
| Return on assets (ROA) | 0.0452% | 6,284 |
| Pretax return on assets | 0.0056% | 6,340 |
| Return on Equity (ROE) | 0.4702% | 6,278 |
| Retained earnings to average equity (ytd only) | 0.4702% | 5,647 |
| Net charge-offs to loans | 6.8062% | 148 |
| Credit loss provision to net charge-offs | 54.4267% | 4,412 |
| Earnings coverage of net charge-offs (x) | 0.5457% | 4,547 |
| Efficiency ratio | 51.3583% | 7,201 |
| Assets per employee ($millions) | 5.1034% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7370% | 1,049 |
| Loan loss allowance to noncurrent loans | 89.8102% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 2.0582% | 3,435 |
| Noncurrent loans to loans | 3.0475% | 2,630 |
| Net loans and leases to total assets | 54.1401% | 6,011 |
| Net loans and leases to deposits | 61.6576% | 6,310 |
| Net loans and leases to core deposits | 66.0195% | 6,281 |
| Total domestic deposits to total assets | 87.8077% | 2,171 |
| Equity capital to assets | 9.5308% | 4,486 |
| Core capital (leverage) ratio | 9.6824% | 3,540 |
| Tier 1 risk-based capital ratio | 16.0787% | 2,622 |
| Total risk-based capital ratio | 17.3455% | 2,568 |
| Memoranda: | ||
| Average total assets | $141,694,500 | 4,165 |
| Average earning assets | $127,271,000 | 4,203 |
| Average equity | $13,611,000 | 4,327 |
| Average total loans | $80,985,500 | 4,472 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5349% | 619 |
| Cost of funding earning assets | 1.9848% | 3,031 |
| Net interest margin | 4.5501% | 1,073 |
| Noninterest income to average assets | 0.4567% | 4,748 |
| Noninterest expense to average assets | 2.3202% | 6,693 |
| Loan and lease loss provision to assets | 1.6731% | 1,371 |
| Net operating income to assets | 0.4074% | 4,099 |
| Return on assets (ROA) | 0.4074% | 4,207 |
| Pretax return on assets | 0.5854% | 3,947 |
| Return on Equity (ROE) | 4.0795% | 4,052 |
| Retained earnings to average equity (ytd only) | 0.9131% | 4,385 |
| Net charge-offs to loans | 2.0513% | 1,194 |
| Credit loss provision to net charge-offs | 128.0248% | 4,037 |
| Earnings coverage of net charge-offs (x) | 1.7282% | 4,434 |
| Efficiency ratio | 50.6746% | 7,497 |
| Assets per employee ($millions) | 4.6832% | 2,641 |
| Cash dividends to net income (ytd only)* | 77.6173% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4028% | 575 |
| Loan loss allowance to noncurrent loans | 77.3793% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 2.9168% | 2,401 |
| Noncurrent loans to loans | 4.3976% | 1,629 |
| Net loans and leases to total assets | 56.6753% | 5,874 |
| Net loans and leases to deposits | 65.0019% | 6,161 |
| Net loans and leases to core deposits | 95.0577% | 4,562 |
| Total domestic deposits to total assets | 87.1903% | 2,392 |
| Equity capital to assets | 9.6822% | 4,160 |
| Core capital (leverage) ratio | 9.6530% | 3,517 |
| Tier 1 risk-based capital ratio | 15.6180% | 2,667 |
| Total risk-based capital ratio | 16.8925% | 2,606 |
| Memoranda: | ||
| Average total assets | $135,977,200 | 4,214 |
| Average earning assets | $123,184,000 | 4,238 |
| Average equity | $13,580,000 | 4,367 |
| Average total loans | $86,627,000 | 4,310 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6297% | 583 |
| Cost of funding earning assets | 2.0629% | 3,062 |
| Net interest margin | 4.5667% | 1,045 |
| Noninterest income to average assets | 0.4667% | 4,772 |
| Noninterest expense to average assets | 2.3740% | 6,494 |
| Loan and lease loss provision to assets | 0.9640% | 1,994 |
| Net operating income to assets | 0.8108% | 2,768 |
| Return on assets (ROA) | 0.8108% | 2,829 |
| Pretax return on assets | 1.2765% | 2,020 |
| Return on Equity (ROE) | 8.0543% | 2,612 |
| Retained earnings to average equity (ytd only) | 3.8307% | 3,151 |
| Net charge-offs to loans | 1.8401% | 1,097 |
| Credit loss provision to net charge-offs | 80.5785% | 5,746 |
| Earnings coverage of net charge-offs (x) | 1.8727% | 4,405 |
| Efficiency ratio | 51.4463% | 7,452 |
| Assets per employee ($millions) | 4.5875% | 2,718 |
| Cash dividends to net income (ytd only)* | 52.4389% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4286% | 1,136 |
| Loan loss allowance to noncurrent loans | 58.2186% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 2.8563% | 2,434 |
| Noncurrent loans to loans | 4.1716% | 1,735 |
| Net loans and leases to total assets | 60.4854% | 5,508 |
| Net loans and leases to deposits | 69.3160% | 5,998 |
| Net loans and leases to core deposits | 100.2457% | 4,345 |
| Total domestic deposits to total assets | 87.2603% | 2,041 |
| Equity capital to assets | 10.0774% | 3,986 |
| Core capital (leverage) ratio | 10.2697% | 3,001 |
| Tier 1 risk-based capital ratio | 15.8701% | 2,678 |
| Total risk-based capital ratio | 17.1333% | 2,602 |
| Memoranda: | ||
| Average total assets | $134,847,750 | 4,258 |
| Average earning assets | $122,477,000 | 4,291 |
| Average equity | $13,574,250 | 4,398 |
| Average total loans | $87,676,000 | 4,315 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8193% | 438 |
| Cost of funding earning assets | 2.1678% | 2,948 |
| Net interest margin | 4.6515% | 871 |
| Noninterest income to average assets | 0.5242% | 4,233 |
| Noninterest expense to average assets | 2.4656% | 6,240 |
| Loan and lease loss provision to assets | 0.9707% | 1,739 |
| Net operating income to assets | 0.8303% | 2,735 |
| Return on assets (ROA) | 0.8303% | 2,829 |
| Pretax return on assets | 1.3082% | 2,000 |
| Return on Equity (ROE) | 8.2517% | 2,669 |
| Retained earnings to average equity (ytd only) | 1.8700% | 4,303 |
| Net charge-offs to loans | 1.8313% | 1,034 |
| Credit loss provision to net charge-offs | 80.2469% | 5,190 |
| Earnings coverage of net charge-offs (x) | 1.8840% | 4,166 |
| Efficiency ratio | 51.9673% | 7,515 |
| Assets per employee ($millions) | 4.4488% | 2,840 |
| Cash dividends to net income (ytd only)* | 77.3381% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4616% | 935 |
| Loan loss allowance to noncurrent loans | 68.9024% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.7857% | 2,311 |
| Noncurrent loans to loans | 3.5726% | 1,957 |
| Net loans and leases to total assets | 63.7418% | 5,036 |
| Net loans and leases to deposits | 73.6231% | 5,520 |
| Net loans and leases to core deposits | 106.3678% | 3,797 |
| Total domestic deposits to total assets | 86.5785% | 2,466 |
| Equity capital to assets | 10.1937% | 3,727 |
| Core capital (leverage) ratio | 10.1050% | 3,183 |
| Tier 1 risk-based capital ratio | 15.1909% | 2,939 |
| Total risk-based capital ratio | 16.4549% | 2,868 |
| Memoranda: | ||
| Average total assets | $133,922,000 | 4,305 |
| Average earning assets | $121,508,330 | 4,329 |
| Average equity | $13,476,000 | 4,428 |
| Average total loans | $88,463,000 | 4,316 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8787% | 422 |
| Cost of funding earning assets | 2.2700% | 2,840 |
| Net interest margin | 4.6088% | 927 |
| Noninterest income to average assets | 0.6083% | 3,489 |
| Noninterest expense to average assets | 2.3735% | 6,279 |
| Loan and lease loss provision to assets | 1.0436% | 1,250 |
| Net operating income to assets | 0.8796% | 2,794 |
| Return on assets (ROA) | 0.8796% | 2,937 |
| Pretax return on assets | 1.3865% | 2,006 |
| Return on Equity (ROE) | 8.7984% | 2,795 |
| Retained earnings to average equity (ytd only) | -4.0264% | 6,429 |
| Net charge-offs to loans | 1.8814% | 767 |
| Credit loss provision to net charge-offs | 83.5322% | 4,129 |
| Earnings coverage of net charge-offs (x) | 1.9451% | 3,746 |
| Efficiency ratio | 49.4103% | 7,631 |
| Assets per employee ($millions) | 4.5286% | 2,674 |
| Cash dividends to net income (ytd only)* | 145.7627% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5155% | 755 |
| Loan loss allowance to noncurrent loans | 63.8334% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.9995% | 1,884 |
| Noncurrent loans to loans | 3.9407% | 1,541 |
| Net loans and leases to total assets | 63.8387% | 5,020 |
| Net loans and leases to deposits | 73.0666% | 5,603 |
| Net loans and leases to core deposits | 103.1874% | 4,226 |
| Total domestic deposits to total assets | 87.3706% | 2,028 |
| Equity capital to assets | 9.8220% | 4,220 |
| Core capital (leverage) ratio | 9.9853% | 3,428 |
| Tier 1 risk-based capital ratio | 14.6056% | 3,255 |
| Total risk-based capital ratio | 15.8709% | 3,177 |
| Memoranda: | ||
| Average total assets | $134,150,500 | 4,324 |
| Average earning assets | $122,115,500 | 4,328 |
| Average equity | $13,411,500 | 4,473 |
| Average total loans | $89,084,500 | 4,336 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5242% | 394 |
| Cost of funding earning assets | 2.7988% | 2,711 |
| Net interest margin | 4.7254% | 925 |
| Noninterest income to average assets | 0.5422% | 4,300 |
| Noninterest expense to average assets | 2.2423% | 6,858 |
| Loan and lease loss provision to assets | 1.3197% | 1,074 |
| Net operating income to assets | 0.9163% | 2,936 |
| Return on assets (ROA) | 0.9163% | 2,782 |
| Pretax return on assets | 1.3736% | 2,048 |
| Return on Equity (ROE) | 8.8554% | 2,690 |
| Retained earnings to average equity (ytd only) | 5.5231% | 1,758 |
| Net charge-offs to loans | 0.6728% | 1,834 |
| Credit loss provision to net charge-offs | 285.1027% | 1,596 |
| Earnings coverage of net charge-offs (x) | 5.8185% | 3,523 |
| Efficiency ratio | 45.4312% | 7,953 |
| Assets per employee ($millions) | 4.9053% | 2,045 |
| Cash dividends to net income (ytd only)* | 37.6298% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5863% | 623 |
| Loan loss allowance to noncurrent loans | 65.0592% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 3.0541% | 1,500 |
| Noncurrent loans to loans | 3.9753% | 1,244 |
| Net loans and leases to total assets | 65.6086% | 4,931 |
| Net loans and leases to deposits | 75.2609% | 5,692 |
| Net loans and leases to core deposits | 104.7029% | 4,333 |
| Total domestic deposits to total assets | 87.1749% | 1,853 |
| Equity capital to assets | 10.1772% | 3,834 |
| Core capital (leverage) ratio | 10.1945% | 3,278 |
| Tier 1 risk-based capital ratio | 14.8813% | 3,109 |
| Total risk-based capital ratio | 16.1476% | 3,012 |
| Memoranda: | ||
| Average total assets | $126,163,400 | 4,370 |
| Average earning assets | $117,301,000 | 4,328 |
| Average equity | $13,054,200 | 4,556 |
| Average total loans | $86,807,000 | 4,314 |