Home > Premier Bank of the South > Performance and Condition Ratios
Premier Bank of the South, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 1,715 |
| Cost of funding earning assets | 1.1137% | 3,030 |
| Net interest margin | 4.0598% | 1,117 |
| Noninterest income to average assets | 0.8700% | 812 |
| Noninterest expense to average assets | 3.2572% | 771 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3682% | 1,282 |
| Return on assets (ROA) | 1.3652% | 1,255 |
| Pretax return on assets | 1.4640% | 1,499 |
| Return on Equity (ROE) | 20.0400% | 614 |
| Retained earnings to average equity (ytd only) | 7.4281% | 1,744 |
| Net charge-offs to loans | 0.3851% | 270 |
| Credit loss provision to net charge-offs | 14.5773% | 2,329 |
| Earnings coverage of net charge-offs (x) | 6.9913% | 2,436 |
| Efficiency ratio | 68.4930% | 2,054 |
| Assets per employee ($millions) | 4.9219% | 3,694 |
| Cash dividends to net income (ytd only)* | 62.9291% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,074 |
| Loan loss allowance to noncurrent loans | 522.6415% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 2,813 |
| Noncurrent loans to loans | 0.2007% | 2,507 |
| Net loans and leases to total assets | 53.8700% | 3,359 |
| Net loans and leases to deposits | 58.2787% | 3,620 |
| Net loans and leases to core deposits | 60.3465% | 3,750 |
| Total domestic deposits to total assets | 92.4400% | 238 |
| Equity capital to assets | 7.1294% | 3,890 |
| Core capital (leverage) ratio | 9.3968% | 3,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5245% | 838 |
| Memoranda: | ||
| Average total assets | $320,088,600 | 2,321 |
| Average earning assets | $306,270,000 | 2,266 |
| Average equity | $21,809,000 | 2,712 |
| Average total loans | $178,129,000 | 2,461 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 1,742 |
| Cost of funding earning assets | 1.0054% | 3,018 |
| Net interest margin | 4.0401% | 1,162 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 3.1978% | 821 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4581% | 1,206 |
| Return on assets (ROA) | 1.4525% | 1,197 |
| Pretax return on assets | 1.5617% | 1,434 |
| Return on Equity (ROE) | 21.5900% | 592 |
| Retained earnings to average equity (ytd only) | 5.2431% | 2,858 |
| Net charge-offs to loans | 0.0552% | 1,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 50.7671% | 1,306 |
| Efficiency ratio | 67.1046% | 2,130 |
| Assets per employee ($millions) | 4.3997% | 4,003 |
| Cash dividends to net income (ytd only)* | 75.7135% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 1,524 |
| Loan loss allowance to noncurrent loans | 988.7097% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 3,064 |
| Noncurrent loans to loans | 0.1397% | 2,853 |
| Net loans and leases to total assets | 56.0400% | 3,201 |
| Net loans and leases to deposits | 60.6974% | 3,464 |
| Net loans and leases to core deposits | 63.1194% | 3,571 |
| Total domestic deposits to total assets | 92.3300% | 398 |
| Equity capital to assets | 6.8011% | 3,710 |
| Core capital (leverage) ratio | 9.5345% | 3,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2529% | 789 |
| Memoranda: | ||
| Average total assets | $315,208,750 | 2,348 |
| Average earning assets | $301,700,500 | 2,295 |
| Average equity | $21,208,250 | 2,746 |
| Average total loans | $176,436,750 | 2,478 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9352% | 1,684 |
| Cost of funding earning assets | 0.8889% | 2,960 |
| Net interest margin | 4.0463% | 1,162 |
| Noninterest income to average assets | 0.8300% | 808 |
| Noninterest expense to average assets | 3.1194% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4771% | 1,151 |
| Return on assets (ROA) | 1.4689% | 1,156 |
| Pretax return on assets | 1.5771% | 1,453 |
| Return on Equity (ROE) | 21.9100% | 544 |
| Retained earnings to average equity (ytd only) | 3.0383% | 3,467 |
| Net charge-offs to loans | 0.0682% | 874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 41.7833% | 1,381 |
| Efficiency ratio | 66.2947% | 2,196 |
| Assets per employee ($millions) | 4.5443% | 3,922 |
| Cash dividends to net income (ytd only)* | 86.1326% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 1,608 |
| Loan loss allowance to noncurrent loans | 1,503.0488% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 3,258 |
| Noncurrent loans to loans | 0.0918% | 3,046 |
| Net loans and leases to total assets | 56.2000% | 3,107 |
| Net loans and leases to deposits | 60.7638% | 3,373 |
| Net loans and leases to core deposits | 63.2393% | 3,490 |
| Total domestic deposits to total assets | 92.4900% | 326 |
| Equity capital to assets | 6.7755% | 3,891 |
| Core capital (leverage) ratio | 9.5034% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8208% | 840 |
| Memoranda: | ||
| Average total assets | $316,153,000 | 2,352 |
| Average earning assets | $302,846,667 | 2,295 |
| Average equity | $21,196,000 | 2,757 |
| Average total loans | $176,079,000 | 2,479 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 1,904 |
| Cost of funding earning assets | 0.7086% | 3,031 |
| Net interest margin | 3.9690% | 1,329 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 3.0102% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5234% | 1,135 |
| Return on assets (ROA) | 1.5070% | 1,150 |
| Pretax return on assets | 1.6166% | 1,423 |
| Return on Equity (ROE) | 22.6000% | 541 |
| Retained earnings to average equity (ytd only) | -1.0202% | 4,127 |
| Net charge-offs to loans | 0.0412% | 945 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 72.0556% | 940 |
| Efficiency ratio | 64.8128% | 2,354 |
| Assets per employee ($millions) | 4.8211% | 3,780 |
| Cash dividends to net income (ytd only)* | 104.5151% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,521 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 55.3800% | 3,081 |
| Net loans and leases to deposits | 59.8081% | 3,344 |
| Net loans and leases to core deposits | 62.3125% | 3,429 |
| Total domestic deposits to total assets | 92.5900% | 382 |
| Equity capital to assets | 6.8238% | 3,901 |
| Core capital (leverage) ratio | 9.3502% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9956% | 846 |
| Memoranda: | ||
| Average total assets | $317,451,500 | 2,371 |
| Average earning assets | $304,260,000 | 2,323 |
| Average equity | $21,171,500 | 2,785 |
| Average total loans | $174,778,500 | 2,510 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7215% | 2,469 |
| Cost of funding earning assets | 0.1511% | 4,114 |
| Net interest margin | 3.5704% | 1,728 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.8322% | 1,255 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3020% | 1,417 |
| Return on assets (ROA) | 1.3728% | 1,160 |
| Pretax return on assets | 1.4675% | 1,545 |
| Return on Equity (ROE) | 20.7000% | 411 |
| Retained earnings to average equity (ytd only) | 10.2914% | 1,070 |
| Net charge-offs to loans | -0.4762% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0429% | 2,086 |
| Assets per employee ($millions) | 4.8717% | 3,767 |
| Cash dividends to net income (ytd only)* | 50.2742% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 1,325 |
| Loan loss allowance to noncurrent loans | 28,055.5556% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,912 |
| Noncurrent loans to loans | 0.0052% | 3,836 |
| Net loans and leases to total assets | 53.1800% | 3,267 |
| Net loans and leases to deposits | 57.1024% | 3,508 |
| Net loans and leases to core deposits | 58.9504% | 3,557 |
| Total domestic deposits to total assets | 93.1300% | 375 |
| Equity capital to assets | 6.5185% | 3,890 |
| Core capital (leverage) ratio | 9.2333% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9502% | 836 |
| Memoranda: | ||
| Average total assets | $318,766,600 | 2,358 |
| Average earning assets | $306,437,800 | 2,302 |
| Average equity | $21,143,800 | 2,847 |
| Average total loans | $165,490,400 | 2,500 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4648% | 2,736 |
| Cost of funding earning assets | 0.1372% | 3,965 |
| Net interest margin | 3.3276% | 2,207 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.7335% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1833% | 1,758 |
| Return on assets (ROA) | 1.2768% | 1,399 |
| Pretax return on assets | 1.3695% | 1,818 |
| Return on Equity (ROE) | 19.1700% | 514 |
| Retained earnings to average equity (ytd only) | 6.1663% | 2,696 |
| Net charge-offs to loans | -0.7413% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.2970% | 1,976 |
| Assets per employee ($millions) | 5.3105% | 3,404 |
| Cash dividends to net income (ytd only)* | 67.8267% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 1,105 |
| Loan loss allowance to noncurrent loans | 3,187.9518% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 3,684 |
| Noncurrent loans to loans | 0.0495% | 3,519 |
| Net loans and leases to total assets | 50.1000% | 3,450 |
| Net loans and leases to deposits | 53.5161% | 3,632 |
| Net loans and leases to core deposits | 55.2264% | 3,673 |
| Total domestic deposits to total assets | 93.6100% | 433 |
| Equity capital to assets | 5.7895% | 4,041 |
| Core capital (leverage) ratio | 8.5643% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7458% | 888 |
| Memoranda: | ||
| Average total assets | $318,075,500 | 2,381 |
| Average earning assets | $306,041,750 | 2,317 |
| Average equity | $21,190,000 | 2,879 |
| Average total loans | $163,485,750 | 2,513 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 2,959 |
| Cost of funding earning assets | 0.1316% | 3,821 |
| Net interest margin | 3.0966% | 2,547 |
| Noninterest income to average assets | 0.8087% | 1,020 |
| Noninterest expense to average assets | 2.6925% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0239% | 2,074 |
| Return on assets (ROA) | 1.1668% | 1,522 |
| Pretax return on assets | 1.2464% | 1,907 |
| Return on Equity (ROE) | 16.7494% | 596 |
| Retained earnings to average equity (ytd only) | 3.4065% | 3,308 |
| Net charge-offs to loans | -1.1412% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1022% | 1,818 |
| Assets per employee ($millions) | 5.1356% | 3,557 |
| Cash dividends to net income (ytd only)* | 79.6619% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 1,072 |
| Loan loss allowance to noncurrent loans | 16,637.5000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,004 |
| Noncurrent loans to loans | 0.0099% | 3,919 |
| Net loans and leases to total assets | 48.5700% | 3,501 |
| Net loans and leases to deposits | 51.9090% | 3,690 |
| Net loans and leases to core deposits | 53.3080% | 3,737 |
| Total domestic deposits to total assets | 93.5676% | 374 |
| Equity capital to assets | 6.0214% | 4,193 |
| Core capital (leverage) ratio | 8.2942% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2635% | 955 |
| Memoranda: | ||
| Average total assets | $314,350,667 | 2,413 |
| Average earning assets | $302,332,667 | 2,365 |
| Average equity | $21,899,333 | 2,906 |
| Average total loans | $162,116,333 | 2,532 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1145% | 2,936 |
| Cost of funding earning assets | 0.1316% | 3,748 |
| Net interest margin | 2.9829% | 2,557 |
| Noninterest income to average assets | 0.8360% | 959 |
| Noninterest expense to average assets | 2.6811% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9490% | 2,078 |
| Return on assets (ROA) | 1.2396% | 1,131 |
| Pretax return on assets | 1.3308% | 1,431 |
| Return on Equity (ROE) | 16.5901% | 467 |
| Retained earnings to average equity (ytd only) | 9.5323% | 1,139 |
| Net charge-offs to loans | -2.3355% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4745% | 1,920 |
| Assets per employee ($millions) | 4.5218% | 4,123 |
| Cash dividends to net income (ytd only)* | 42.5420% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 1,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 53.2107% | 2,856 |
| Net loans and leases to deposits | 57.5323% | 3,120 |
| Net loans and leases to core deposits | 59.1690% | 3,220 |
| Total domestic deposits to total assets | 92.4884% | 406 |
| Equity capital to assets | 7.0993% | 4,160 |
| Core capital (leverage) ratio | 8.6446% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3165% | 1,001 |
| Memoranda: | ||
| Average total assets | $307,186,000 | 2,465 |
| Average earning assets | $294,882,000 | 2,422 |
| Average equity | $22,953,500 | 2,908 |
| Average total loans | $162,023,500 | 2,531 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 1,902 |
| Cost of funding earning assets | 0.1774% | 3,690 |
| Net interest margin | 3.6115% | 1,438 |
| Noninterest income to average assets | 1.0253% | 952 |
| Noninterest expense to average assets | 3.0742% | 882 |
| Loan and lease loss provision to assets | 0.0260% | 2,538 |
| Net operating income to assets | 1.2877% | 1,637 |
| Return on assets (ROA) | 1.3020% | 1,635 |
| Pretax return on assets | 1.3895% | 2,087 |
| Return on Equity (ROE) | 16.6393% | 651 |
| Retained earnings to average equity (ytd only) | 12.0380% | 530 |
| Net charge-offs to loans | 0.0594% | 1,193 |
| Credit loss provision to net charge-offs | 79.7872% | 1,952 |
| Earnings coverage of net charge-offs (x) | 42.9043% | 1,397 |
| Efficiency ratio | 68.7049% | 1,897 |
| Assets per employee ($millions) | 4.7184% | 3,952 |
| Cash dividends to net income (ytd only)* | 27.6533% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 3,417 |
| Loan loss allowance to noncurrent loans | 21,712.5000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,166 |
| Noncurrent loans to loans | 0.0050% | 4,079 |
| Net loans and leases to total assets | 50.8715% | 3,185 |
| Net loans and leases to deposits | 55.4028% | 3,474 |
| Net loans and leases to core deposits | 56.9417% | 3,553 |
| Total domestic deposits to total assets | 91.8212% | 232 |
| Equity capital to assets | 7.8349% | 4,453 |
| Core capital (leverage) ratio | 8.5371% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4935% | 968 |
| Memoranda: | ||
| Average total assets | $288,010,600 | 2,495 |
| Average earning assets | $275,064,800 | 2,457 |
| Average equity | $22,537,000 | 3,014 |
| Average total loans | $158,262,000 | 2,562 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 1,518 |
| Cost of funding earning assets | 0.1852% | 3,760 |
| Net interest margin | 3.8220% | 1,073 |
| Noninterest income to average assets | 0.8236% | 1,461 |
| Noninterest expense to average assets | 3.0408% | 903 |
| Loan and lease loss provision to assets | 0.0354% | 2,293 |
| Net operating income to assets | 1.2915% | 1,848 |
| Return on assets (ROA) | 1.3108% | 1,845 |
| Pretax return on assets | 1.4152% | 2,274 |
| Return on Equity (ROE) | 16.7572% | 806 |
| Retained earnings to average equity (ytd only) | 11.1272% | 1,032 |
| Net charge-offs to loans | 0.0346% | 1,383 |
| Credit loss provision to net charge-offs | 182.9268% | 1,250 |
| Earnings coverage of net charge-offs (x) | 73.8049% | 1,028 |
| Efficiency ratio | 68.0161% | 1,834 |
| Assets per employee ($millions) | 4.3676% | 4,212 |
| Cash dividends to net income (ytd only)* | 33.5977% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 3,316 |
| Loan loss allowance to noncurrent loans | 7,782.6087% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 4,199 |
| Noncurrent loans to loans | 0.0145% | 4,100 |
| Net loans and leases to total assets | 52.9704% | 3,085 |
| Net loans and leases to deposits | 57.8748% | 3,417 |
| Net loans and leases to core deposits | 59.5501% | 3,500 |
| Total domestic deposits to total assets | 91.5258% | 233 |
| Equity capital to assets | 7.9368% | 4,551 |
| Core capital (leverage) ratio | 8.2748% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0450% | 1,123 |
| Memoranda: | ||
| Average total assets | $282,159,750 | 2,547 |
| Average earning assets | $269,240,750 | 2,512 |
| Average equity | $22,071,500 | 3,083 |
| Average total loans | $157,788,000 | 2,601 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9002% | 1,816 |
| Cost of funding earning assets | 0.1900% | 3,854 |
| Net interest margin | 3.7102% | 1,326 |
| Noninterest income to average assets | 0.8405% | 1,421 |
| Noninterest expense to average assets | 2.9883% | 1,005 |
| Loan and lease loss provision to assets | 0.0541% | 1,952 |
| Net operating income to assets | 1.2412% | 2,052 |
| Return on assets (ROA) | 1.2546% | 2,075 |
| Pretax return on assets | 1.3484% | 2,486 |
| Return on Equity (ROE) | 16.1232% | 934 |
| Retained earnings to average equity (ytd only) | 8.4557% | 1,913 |
| Net charge-offs to loans | 0.2110% | 407 |
| Credit loss provision to net charge-offs | 45.1807% | 1,631 |
| Earnings coverage of net charge-offs (x) | 11.5904% | 1,750 |
| Efficiency ratio | 68.2822% | 1,845 |
| Assets per employee ($millions) | 4.4008% | 4,181 |
| Cash dividends to net income (ytd only)* | 47.5561% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,747 |
| Loan loss allowance to noncurrent loans | 4,757.1429% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 3,793 |
| Noncurrent loans to loans | 0.0215% | 4,116 |
| Net loans and leases to total assets | 55.3867% | 2,970 |
| Net loans and leases to deposits | 60.3947% | 3,358 |
| Net loans and leases to core deposits | 62.2418% | 3,442 |
| Total domestic deposits to total assets | 91.7079% | 189 |
| Equity capital to assets | 7.7798% | 4,641 |
| Core capital (leverage) ratio | 8.7216% | 3,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7897% | 1,173 |
| Memoranda: | ||
| Average total assets | $277,214,333 | 2,569 |
| Average earning assets | $264,190,333 | 2,543 |
| Average equity | $21,571,333 | 3,124 |
| Average total loans | $157,347,333 | 2,618 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 1,998 |
| Cost of funding earning assets | 0.2052% | 3,864 |
| Net interest margin | 3.6288% | 1,508 |
| Noninterest income to average assets | 0.8278% | 1,518 |
| Noninterest expense to average assets | 2.9934% | 1,007 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2048% | 2,125 |
| Return on assets (ROA) | 1.2048% | 2,210 |
| Pretax return on assets | 1.2846% | 2,607 |
| Return on Equity (ROE) | 15.4807% | 1,116 |
| Retained earnings to average equity (ytd only) | 3.1911% | 3,719 |
| Net charge-offs to loans | -0.3438% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9724% | 1,703 |
| Assets per employee ($millions) | 4.3555% | 4,233 |
| Cash dividends to net income (ytd only)* | 79.3865% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 2,892 |
| Loan loss allowance to noncurrent loans | 2,248.8095% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 3,149 |
| Noncurrent loans to loans | 0.0537% | 4,021 |
| Net loans and leases to total assets | 55.4612% | 3,100 |
| Net loans and leases to deposits | 60.4583% | 3,446 |
| Net loans and leases to core deposits | 62.4227% | 3,547 |
| Total domestic deposits to total assets | 91.7345% | 193 |
| Equity capital to assets | 7.7686% | 4,606 |
| Core capital (leverage) ratio | 8.4445% | 4,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0696% | 1,549 |
| Memoranda: | ||
| Average total assets | $270,593,500 | 2,593 |
| Average earning assets | $257,274,000 | 2,561 |
| Average equity | $21,058,500 | 3,153 |
| Average total loans | $154,751,500 | 2,646 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 1,046 |
| Cost of funding earning assets | 0.3845% | 3,676 |
| Net interest margin | 4.2443% | 569 |
| Noninterest income to average assets | 0.9906% | 1,063 |
| Noninterest expense to average assets | 3.4037% | 792 |
| Loan and lease loss provision to assets | 0.1412% | 2,589 |
| Net operating income to assets | 1.3393% | 1,150 |
| Return on assets (ROA) | 1.3495% | 1,225 |
| Pretax return on assets | 1.4425% | 1,533 |
| Return on Equity (ROE) | 15.9692% | 507 |
| Retained earnings to average equity (ytd only) | 8.7815% | 828 |
| Net charge-offs to loans | 0.1041% | 1,427 |
| Credit loss provision to net charge-offs | 208.3333% | 2,120 |
| Earnings coverage of net charge-offs (x) | 23.2051% | 1,814 |
| Efficiency ratio | 68.3953% | 2,179 |
| Assets per employee ($millions) | 3.9170% | 4,434 |
| Cash dividends to net income (ytd only)* | 45.0097% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 3,220 |
| Loan loss allowance to noncurrent loans | 2,976.2712% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 3,602 |
| Noncurrent loans to loans | 0.0386% | 4,148 |
| Net loans and leases to total assets | 57.6367% | 3,132 |
| Net loans and leases to deposits | 62.8509% | 3,538 |
| Net loans and leases to core deposits | 65.0189% | 3,629 |
| Total domestic deposits to total assets | 91.7039% | 101 |
| Equity capital to assets | 7.7969% | 4,774 |
| Core capital (leverage) ratio | 8.2613% | 4,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0958% | 1,822 |
| Memoranda: | ||
| Average total assets | $230,162,600 | 2,712 |
| Average earning assets | $216,146,600 | 2,699 |
| Average equity | $19,450,000 | 3,236 |
| Average total loans | $149,791,600 | 2,664 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 1,500 |
| Cost of funding earning assets | 0.4178% | 3,716 |
| Net interest margin | 4.1160% | 870 |
| Noninterest income to average assets | 1.0266% | 988 |
| Noninterest expense to average assets | 3.4951% | 714 |
| Loan and lease loss provision to assets | 0.1950% | 2,029 |
| Net operating income to assets | 1.0991% | 1,982 |
| Return on assets (ROA) | 1.1130% | 2,059 |
| Pretax return on assets | 1.1959% | 2,403 |
| Return on Equity (ROE) | 12.8767% | 1,148 |
| Retained earnings to average equity (ytd only) | 3.8963% | 3,101 |
| Net charge-offs to loans | 0.0430% | 2,009 |
| Credit loss provision to net charge-offs | 677.0833% | 1,090 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 1,226 |
| Efficiency ratio | 71.7525% | 1,670 |
| Assets per employee ($millions) | 3.5286% | 4,649 |
| Cash dividends to net income (ytd only)* | 69.7411% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,943 |
| Loan loss allowance to noncurrent loans | 763.9344% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 3,692 |
| Noncurrent loans to loans | 0.1504% | 3,781 |
| Net loans and leases to total assets | 66.8499% | 2,404 |
| Net loans and leases to deposits | 73.2993% | 3,015 |
| Net loans and leases to core deposits | 76.2437% | 3,151 |
| Total domestic deposits to total assets | 91.2013% | 136 |
| Equity capital to assets | 8.0573% | 4,693 |
| Core capital (leverage) ratio | 8.1947% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5615% | 2,384 |
| Memoranda: | ||
| Average total assets | $222,094,000 | 2,763 |
| Average earning assets | $207,445,000 | 2,749 |
| Average equity | $19,197,000 | 3,258 |
| Average total loans | $148,985,500 | 2,679 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 1,567 |
| Cost of funding earning assets | 0.4658% | 3,718 |
| Net interest margin | 4.1731% | 977 |
| Noninterest income to average assets | 1.0974% | 825 |
| Noninterest expense to average assets | 3.5282% | 728 |
| Loan and lease loss provision to assets | 0.3007% | 1,432 |
| Net operating income to assets | 1.0694% | 2,074 |
| Return on assets (ROA) | 1.0909% | 2,122 |
| Pretax return on assets | 1.1714% | 2,458 |
| Return on Equity (ROE) | 12.3122% | 1,256 |
| Retained earnings to average equity (ytd only) | 6.5999% | 1,826 |
| Net charge-offs to loans | 0.0581% | 1,673 |
| Credit loss provision to net charge-offs | 773.8095% | 932 |
| Earnings coverage of net charge-offs (x) | 37.2857% | 1,295 |
| Efficiency ratio | 70.8868% | 1,831 |
| Assets per employee ($millions) | 3.0943% | 4,828 |
| Cash dividends to net income (ytd only)* | 46.3953% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 2,659 |
| Loan loss allowance to noncurrent loans | 8,130.4348% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 4,257 |
| Noncurrent loans to loans | 0.0144% | 4,452 |
| Net loans and leases to total assets | 68.0073% | 2,351 |
| Net loans and leases to deposits | 74.8043% | 2,993 |
| Net loans and leases to core deposits | 78.9590% | 3,029 |
| Total domestic deposits to total assets | 90.9137% | 165 |
| Equity capital to assets | 8.4154% | 4,520 |
| Core capital (leverage) ratio | 8.5046% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7959% | 2,275 |
| Memoranda: | ||
| Average total assets | $216,143,667 | 2,783 |
| Average earning assets | $200,952,333 | 2,772 |
| Average equity | $19,151,667 | 3,257 |
| Average total loans | $144,558,333 | 2,706 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 1,236 |
| Cost of funding earning assets | 0.5494% | 3,697 |
| Net interest margin | 4.3328% | 715 |
| Noninterest income to average assets | 0.9415% | 975 |
| Noninterest expense to average assets | 3.6680% | 729 |
| Loan and lease loss provision to assets | 0.1441% | 1,953 |
| Net operating income to assets | 1.0522% | 1,996 |
| Return on assets (ROA) | 1.0683% | 2,043 |
| Pretax return on assets | 1.1471% | 2,371 |
| Return on Equity (ROE) | 11.7284% | 1,187 |
| Retained earnings to average equity (ytd only) | 6.6869% | 1,653 |
| Net charge-offs to loans | 0.0934% | 1,131 |
| Credit loss provision to net charge-offs | 234.3750% | 1,330 |
| Earnings coverage of net charge-offs (x) | 20.7188% | 1,405 |
| Efficiency ratio | 74.2224% | 1,784 |
| Assets per employee ($millions) | 3.0741% | 4,760 |
| Cash dividends to net income (ytd only)* | 42.9856% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,765 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 2,968 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 65.1744% | 2,914 |
| Net loans and leases to deposits | 72.2889% | 3,410 |
| Net loans and leases to core deposits | 77.1299% | 3,420 |
| Total domestic deposits to total assets | 90.1583% | 276 |
| Equity capital to assets | 9.1715% | 4,489 |
| Core capital (leverage) ratio | 9.2214% | 4,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8717% | 1,639 |
| Memoranda: | ||
| Average total assets | $208,178,000 | 2,807 |
| Average earning assets | $192,206,500 | 2,809 |
| Average equity | $18,962,500 | 3,274 |
| Average total loans | $136,988,500 | 2,754 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 1,108 |
| Cost of funding earning assets | 0.5984% | 3,642 |
| Net interest margin | 4.5515% | 647 |
| Noninterest income to average assets | 0.9705% | 1,034 |
| Noninterest expense to average assets | 3.6488% | 809 |
| Loan and lease loss provision to assets | 0.2902% | 587 |
| Net operating income to assets | 1.1895% | 2,095 |
| Return on assets (ROA) | 1.1971% | 2,165 |
| Pretax return on assets | 1.2773% | 2,584 |
| Return on Equity (ROE) | 13.1032% | 1,137 |
| Retained earnings to average equity (ytd only) | 6.3417% | 1,697 |
| Net charge-offs to loans | 0.6337% | 286 |
| Credit loss provision to net charge-offs | 67.8867% | 2,940 |
| Earnings coverage of net charge-offs (x) | 3.6482% | 3,299 |
| Efficiency ratio | 70.0581% | 2,165 |
| Assets per employee ($millions) | 3.0943% | 4,770 |
| Cash dividends to net income (ytd only)* | 51.6020% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,612 |
| Loan loss allowance to noncurrent loans | 11,335.7143% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.4023% | 2,788 |
| Noncurrent loans to loans | 0.0103% | 4,550 |
| Net loans and leases to total assets | 64.8861% | 3,089 |
| Net loans and leases to deposits | 71.8528% | 3,529 |
| Net loans and leases to core deposits | 76.3598% | 3,552 |
| Total domestic deposits to total assets | 90.3042% | 237 |
| Equity capital to assets | 9.0456% | 4,665 |
| Core capital (leverage) ratio | 9.3594% | 4,213 |
| Tier 1 risk-based capital ratio | 14.5393% | 2,997 |
| Total risk-based capital ratio | 15.7668% | 2,910 |
| Memoranda: | ||
| Average total assets | $198,145,800 | 2,856 |
| Average earning assets | $184,487,200 | 2,842 |
| Average equity | $18,102,400 | 3,326 |
| Average total loans | $133,666,600 | 2,788 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2258% | 989 |
| Cost of funding earning assets | 0.6057% | 3,670 |
| Net interest margin | 4.6202% | 590 |
| Noninterest income to average assets | 0.9646% | 1,011 |
| Noninterest expense to average assets | 3.7286% | 722 |
| Loan and lease loss provision to assets | 0.2383% | 702 |
| Net operating income to assets | 1.2070% | 2,175 |
| Return on assets (ROA) | 1.2070% | 2,254 |
| Pretax return on assets | 1.2975% | 2,680 |
| Return on Equity (ROE) | 13.1771% | 1,211 |
| Retained earnings to average equity (ytd only) | 4.5930% | 3,107 |
| Net charge-offs to loans | 0.2114% | 838 |
| Credit loss provision to net charge-offs | 165.8768% | 1,520 |
| Earnings coverage of net charge-offs (x) | 10.6918% | 2,482 |
| Efficiency ratio | 70.8263% | 1,995 |
| Assets per employee ($millions) | 2.8749% | 4,947 |
| Cash dividends to net income (ytd only)* | 65.1438% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,294 |
| Loan loss allowance to noncurrent loans | 406.9246% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7167% | 1,907 |
| Noncurrent loans to loans | 0.3642% | 3,245 |
| Net loans and leases to total assets | 67.9347% | 2,797 |
| Net loans and leases to deposits | 75.7236% | 3,321 |
| Net loans and leases to core deposits | 80.8202% | 3,327 |
| Total domestic deposits to total assets | 89.7142% | 367 |
| Equity capital to assets | 9.3697% | 4,553 |
| Core capital (leverage) ratio | 9.2833% | 4,389 |
| Tier 1 risk-based capital ratio | 14.1739% | 3,235 |
| Total risk-based capital ratio | 15.4271% | 3,143 |
| Memoranda: | ||
| Average total assets | $195,853,000 | 2,900 |
| Average earning assets | $182,269,250 | 2,881 |
| Average equity | $17,939,750 | 3,370 |
| Average total loans | $133,056,500 | 2,821 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1819% | 1,017 |
| Cost of funding earning assets | 0.6149% | 3,575 |
| Net interest margin | 4.5671% | 663 |
| Noninterest income to average assets | 0.9603% | 953 |
| Noninterest expense to average assets | 3.6597% | 787 |
| Loan and lease loss provision to assets | 0.2041% | 829 |
| Net operating income to assets | 1.2573% | 1,931 |
| Return on assets (ROA) | 1.2573% | 1,990 |
| Pretax return on assets | 1.3492% | 2,384 |
| Return on Equity (ROE) | 13.8318% | 1,016 |
| Retained earnings to average equity (ytd only) | 4.6929% | 2,925 |
| Net charge-offs to loans | 0.2219% | 758 |
| Credit loss provision to net charge-offs | 136.0544% | 1,611 |
| Earnings coverage of net charge-offs (x) | 10.3537% | 2,274 |
| Efficiency ratio | 70.2036% | 2,193 |
| Assets per employee ($millions) | 2.9213% | 4,952 |
| Cash dividends to net income (ytd only)* | 66.0714% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,509 |
| Loan loss allowance to noncurrent loans | 359.3985% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 1,851 |
| Noncurrent loans to loans | 0.3969% | 3,107 |
| Net loans and leases to total assets | 67.5073% | 2,885 |
| Net loans and leases to deposits | 75.0434% | 3,421 |
| Net loans and leases to core deposits | 80.1893% | 3,403 |
| Total domestic deposits to total assets | 89.9576% | 343 |
| Equity capital to assets | 9.2628% | 4,602 |
| Core capital (leverage) ratio | 9.2570% | 4,401 |
| Tier 1 risk-based capital ratio | 14.0556% | 3,292 |
| Total risk-based capital ratio | 15.3083% | 3,208 |
| Memoranda: | ||
| Average total assets | $195,973,330 | 2,905 |
| Average earning assets | $182,480,000 | 2,894 |
| Average equity | $17,814,000 | 3,380 |
| Average total loans | $132,473,670 | 2,838 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 1,036 |
| Cost of funding earning assets | 0.6243% | 3,439 |
| Net interest margin | 4.5078% | 729 |
| Noninterest income to average assets | 0.9281% | 977 |
| Noninterest expense to average assets | 3.6921% | 761 |
| Loan and lease loss provision to assets | 0.1530% | 1,092 |
| Net operating income to assets | 1.1872% | 2,104 |
| Return on assets (ROA) | 1.1872% | 2,150 |
| Pretax return on assets | 1.2810% | 2,525 |
| Return on Equity (ROE) | 13.1853% | 1,158 |
| Retained earnings to average equity (ytd only) | 8.8582% | 1,367 |
| Net charge-offs to loans | -0.0152% | 4,385 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0255% | 2,041 |
| Assets per employee ($millions) | 3.0160% | 4,967 |
| Cash dividends to net income (ytd only)* | 32.8179% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 1,476 |
| Loan loss allowance to noncurrent loans | 239.9752% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 1,775 |
| Noncurrent loans to loans | 0.6084% | 2,513 |
| Net loans and leases to total assets | 65.7498% | 3,094 |
| Net loans and leases to deposits | 72.7902% | 3,546 |
| Net loans and leases to core deposits | 77.7782% | 3,533 |
| Total domestic deposits to total assets | 90.3278% | 343 |
| Equity capital to assets | 9.0161% | 4,672 |
| Core capital (leverage) ratio | 9.1877% | 4,485 |
| Tier 1 risk-based capital ratio | 13.9332% | 3,372 |
| Total risk-based capital ratio | 15.1860% | 3,292 |
| Memoranda: | ||
| Average total assets | $196,095,000 | 2,943 |
| Average earning assets | $182,618,000 | 2,924 |
| Average equity | $17,656,000 | 3,389 |
| Average total loans | $131,688,500 | 2,884 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 808 |
| Cost of funding earning assets | 0.5091% | 3,294 |
| Net interest margin | 4.6141% | 587 |
| Noninterest income to average assets | 1.0607% | 832 |
| Noninterest expense to average assets | 3.8071% | 675 |
| Loan and lease loss provision to assets | 0.1745% | 1,139 |
| Net operating income to assets | 1.2717% | 1,905 |
| Return on assets (ROA) | 1.2717% | 1,904 |
| Pretax return on assets | 1.3603% | 2,270 |
| Return on Equity (ROE) | 14.1627% | 1,007 |
| Retained earnings to average equity (ytd only) | 5.5180% | 2,475 |
| Net charge-offs to loans | 0.1400% | 1,361 |
| Credit loss provision to net charge-offs | 181.5642% | 1,558 |
| Earnings coverage of net charge-offs (x) | 15.9721% | 2,285 |
| Efficiency ratio | 71.2692% | 2,006 |
| Assets per employee ($millions) | 2.8826% | 5,055 |
| Cash dividends to net income (ytd only)* | 61.0384% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,546 |
| Loan loss allowance to noncurrent loans | 1,896.9388% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 2,749 |
| Noncurrent loans to loans | 0.0751% | 4,417 |
| Net loans and leases to total assets | 66.6377% | 3,046 |
| Net loans and leases to deposits | 73.7722% | 3,517 |
| Net loans and leases to core deposits | 81.4598% | 3,310 |
| Total domestic deposits to total assets | 90.3290% | 369 |
| Equity capital to assets | 8.9912% | 4,583 |
| Core capital (leverage) ratio | 9.2181% | 4,434 |
| Tier 1 risk-based capital ratio | 13.7889% | 3,392 |
| Total risk-based capital ratio | 15.0414% | 3,320 |
| Memoranda: | ||
| Average total assets | $186,284,400 | 2,997 |
| Average earning assets | $172,839,000 | 2,995 |
| Average equity | $16,727,000 | 3,434 |
| Average total loans | $127,842,400 | 2,905 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 736 |
| Cost of funding earning assets | 0.4843% | 3,300 |
| Net interest margin | 4.6307% | 553 |
| Noninterest income to average assets | 1.0684% | 832 |
| Noninterest expense to average assets | 3.7498% | 712 |
| Loan and lease loss provision to assets | 0.1987% | 880 |
| Net operating income to assets | 1.3162% | 1,797 |
| Return on assets (ROA) | 1.3162% | 1,799 |
| Pretax return on assets | 1.4159% | 2,175 |
| Return on Equity (ROE) | 14.6629% | 944 |
| Retained earnings to average equity (ytd only) | 3.5973% | 3,969 |
| Net charge-offs to loans | 0.1017% | 1,472 |
| Credit loss provision to net charge-offs | 283.5052% | 1,069 |
| Earnings coverage of net charge-offs (x) | 23.0413% | 1,853 |
| Efficiency ratio | 69.9030% | 2,206 |
| Assets per employee ($millions) | 3.0578% | 4,998 |
| Cash dividends to net income (ytd only)* | 75.4667% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 1,494 |
| Loan loss allowance to noncurrent loans | 27,014.2857% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 2,959 |
| Noncurrent loans to loans | 0.0054% | 4,916 |
| Net loans and leases to total assets | 66.3412% | 3,142 |
| Net loans and leases to deposits | 73.2560% | 3,657 |
| Net loans and leases to core deposits | 80.7518% | 3,438 |
| Total domestic deposits to total assets | 90.5607% | 322 |
| Equity capital to assets | 8.6492% | 4,834 |
| Core capital (leverage) ratio | 9.0434% | 4,665 |
| Tier 1 risk-based capital ratio | 13.5188% | 3,620 |
| Total risk-based capital ratio | 14.7712% | 3,530 |
| Memoranda: | ||
| Average total assets | $184,572,000 | 3,032 |
| Average earning assets | $171,229,500 | 3,036 |
| Average equity | $16,567,500 | 3,476 |
| Average total loans | $127,163,250 | 2,939 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0984% | 664 |
| Cost of funding earning assets | 0.4665% | 3,246 |
| Net interest margin | 4.6319% | 515 |
| Noninterest income to average assets | 1.0545% | 868 |
| Noninterest expense to average assets | 3.7299% | 728 |
| Loan and lease loss provision to assets | 0.2474% | 619 |
| Net operating income to assets | 1.2712% | 1,889 |
| Return on assets (ROA) | 1.2712% | 1,893 |
| Pretax return on assets | 1.3679% | 2,261 |
| Return on Equity (ROE) | 13.9816% | 1,078 |
| Retained earnings to average equity (ytd only) | 2.8544% | 4,112 |
| Net charge-offs to loans | 0.1219% | 1,201 |
| Credit loss provision to net charge-offs | 292.2078% | 1,021 |
| Earnings coverage of net charge-offs (x) | 19.0779% | 1,868 |
| Efficiency ratio | 69.7799% | 2,354 |
| Assets per employee ($millions) | 3.0090% | 5,088 |
| Cash dividends to net income (ytd only)* | 79.5848% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 1,608 |
| Loan loss allowance to noncurrent loans | 26,585.7143% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 2,917 |
| Noncurrent loans to loans | 0.0054% | 4,941 |
| Net loans and leases to total assets | 67.2714% | 2,980 |
| Net loans and leases to deposits | 74.2648% | 3,507 |
| Net loans and leases to core deposits | 82.2559% | 3,222 |
| Total domestic deposits to total assets | 90.5832% | 369 |
| Equity capital to assets | 8.7179% | 4,782 |
| Core capital (leverage) ratio | 9.1366% | 4,532 |
| Tier 1 risk-based capital ratio | 13.4183% | 3,663 |
| Total risk-based capital ratio | 14.6706% | 3,581 |
| Memoranda: | ||
| Average total assets | $181,882,000 | 3,076 |
| Average earning assets | $168,484,000 | 3,083 |
| Average equity | $16,536,000 | 3,493 |
| Average total loans | $126,320,330 | 2,962 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 591 |
| Cost of funding earning assets | 0.4520% | 3,191 |
| Net interest margin | 4.6443% | 451 |
| Noninterest income to average assets | 1.0537% | 826 |
| Noninterest expense to average assets | 3.8306% | 648 |
| Loan and lease loss provision to assets | 0.2247% | 701 |
| Net operating income to assets | 1.2065% | 1,973 |
| Return on assets (ROA) | 1.2065% | 1,983 |
| Pretax return on assets | 1.2918% | 2,398 |
| Return on Equity (ROE) | 12.9859% | 1,264 |
| Retained earnings to average equity (ytd only) | 5.9247% | 2,745 |
| Net charge-offs to loans | 0.1314% | 1,018 |
| Credit loss provision to net charge-offs | 243.9024% | 928 |
| Earnings coverage of net charge-offs (x) | 16.4634% | 1,620 |
| Efficiency ratio | 71.6387% | 2,243 |
| Assets per employee ($millions) | 2.8456% | 5,258 |
| Cash dividends to net income (ytd only)* | 54.3762% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 1,786 |
| Loan loss allowance to noncurrent loans | 872.9064% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 2,488 |
| Noncurrent loans to loans | 0.1619% | 4,253 |
| Net loans and leases to total assets | 67.8646% | 2,781 |
| Net loans and leases to deposits | 75.1922% | 3,299 |
| Net loans and leases to core deposits | 83.6837% | 3,006 |
| Total domestic deposits to total assets | 90.2548% | 560 |
| Equity capital to assets | 9.1110% | 4,448 |
| Core capital (leverage) ratio | 9.5868% | 3,974 |
| Tier 1 risk-based capital ratio | 13.6582% | 3,570 |
| Total risk-based capital ratio | 14.9097% | 3,476 |
| Memoranda: | ||
| Average total assets | $178,040,500 | 3,149 |
| Average earning assets | $164,590,500 | 3,152 |
| Average equity | $16,541,000 | 3,522 |
| Average total loans | $124,788,500 | 3,003 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 750 |
| Cost of funding earning assets | 0.4393% | 2,880 |
| Net interest margin | 4.4887% | 627 |
| Noninterest income to average assets | 1.0870% | 860 |
| Noninterest expense to average assets | 3.8757% | 634 |
| Loan and lease loss provision to assets | 0.1725% | 1,270 |
| Net operating income to assets | 1.0875% | 1,895 |
| Return on assets (ROA) | 1.0875% | 1,922 |
| Pretax return on assets | 1.1761% | 2,868 |
| Return on Equity (ROE) | 11.7793% | 1,274 |
| Retained earnings to average equity (ytd only) | 5.9675% | 1,557 |
| Net charge-offs to loans | 0.1631% | 1,501 |
| Credit loss provision to net charge-offs | 154.6392% | 1,733 |
| Earnings coverage of net charge-offs (x) | 12.0876% | 2,507 |
| Efficiency ratio | 74.1854% | 1,871 |
| Assets per employee ($millions) | 2.6358% | 5,407 |
| Cash dividends to net income (ytd only)* | 49.3390% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 1,841 |
| Loan loss allowance to noncurrent loans | 629.7794% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 2,257 |
| Noncurrent loans to loans | 0.2190% | 4,031 |
| Net loans and leases to total assets | 70.4164% | 2,461 |
| Net loans and leases to deposits | 78.3575% | 3,081 |
| Net loans and leases to core deposits | 87.6927% | 2,751 |
| Total domestic deposits to total assets | 89.8655% | 615 |
| Equity capital to assets | 9.4786% | 4,245 |
| Core capital (leverage) ratio | 9.7474% | 3,747 |
| Tier 1 risk-based capital ratio | 13.7049% | 3,520 |
| Total risk-based capital ratio | 14.9569% | 3,435 |
| Memoranda: | ||
| Average total assets | $173,877,600 | 3,197 |
| Average earning assets | $160,269,600 | 3,197 |
| Average equity | $16,053,600 | 3,584 |
| Average total loans | $118,922,800 | 3,072 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 772 |
| Cost of funding earning assets | 0.4325% | 2,875 |
| Net interest margin | 4.4579% | 655 |
| Noninterest income to average assets | 1.0714% | 888 |
| Noninterest expense to average assets | 3.8245% | 656 |
| Loan and lease loss provision to assets | 0.1726% | 1,168 |
| Net operating income to assets | 1.0944% | 2,113 |
| Return on assets (ROA) | 1.0944% | 2,169 |
| Pretax return on assets | 1.1849% | 2,965 |
| Return on Equity (ROE) | 11.9326% | 1,351 |
| Retained earnings to average equity (ytd only) | 4.6158% | 3,129 |
| Net charge-offs to loans | 0.2290% | 945 |
| Credit loss provision to net charge-offs | 111.3861% | 2,126 |
| Earnings coverage of net charge-offs (x) | 8.7623% | 2,741 |
| Efficiency ratio | 73.8049% | 1,925 |
| Assets per employee ($millions) | 2.5553% | 5,502 |
| Cash dividends to net income (ytd only)* | 61.3176% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 2,070 |
| Loan loss allowance to noncurrent loans | 1,734.0426% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 2,759 |
| Noncurrent loans to loans | 0.0786% | 4,762 |
| Net loans and leases to total assets | 67.9069% | 2,856 |
| Net loans and leases to deposits | 75.5574% | 3,415 |
| Net loans and leases to core deposits | 84.3309% | 3,103 |
| Total domestic deposits to total assets | 89.8745% | 514 |
| Equity capital to assets | 9.3399% | 4,604 |
| Core capital (leverage) ratio | 9.1734% | 4,547 |
| Tier 1 risk-based capital ratio | 13.5040% | 3,699 |
| Total risk-based capital ratio | 14.7557% | 3,609 |
| Memoranda: | ||
| Average total assets | $173,856,750 | 3,218 |
| Average earning assets | $160,310,250 | 3,222 |
| Average equity | $15,944,750 | 3,634 |
| Average total loans | $117,601,000 | 3,116 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 815 |
| Cost of funding earning assets | 0.4280% | 2,822 |
| Net interest margin | 4.3989% | 707 |
| Noninterest income to average assets | 1.0581% | 902 |
| Noninterest expense to average assets | 3.8082% | 664 |
| Loan and lease loss provision to assets | 0.1817% | 1,041 |
| Net operating income to assets | 1.0374% | 2,260 |
| Return on assets (ROA) | 1.0374% | 2,303 |
| Pretax return on assets | 1.1226% | 3,080 |
| Return on Equity (ROE) | 11.3817% | 1,503 |
| Retained earnings to average equity (ytd only) | 3.4953% | 3,627 |
| Net charge-offs to loans | 0.2480% | 825 |
| Credit loss provision to net charge-offs | 108.9655% | 1,905 |
| Earnings coverage of net charge-offs (x) | 7.8207% | 2,571 |
| Efficiency ratio | 74.4882% | 1,926 |
| Assets per employee ($millions) | 2.8796% | 5,372 |
| Cash dividends to net income (ytd only)* | 69.2905% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 2,133 |
| Loan loss allowance to noncurrent loans | 1,603.9604% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 2,871 |
| Noncurrent loans to loans | 0.0846% | 4,793 |
| Net loans and leases to total assets | 65.9617% | 3,113 |
| Net loans and leases to deposits | 72.9953% | 3,650 |
| Net loans and leases to core deposits | 81.3647% | 3,307 |
| Total domestic deposits to total assets | 90.3643% | 405 |
| Equity capital to assets | 8.9423% | 4,952 |
| Core capital (leverage) ratio | 9.0569% | 4,658 |
| Tier 1 risk-based capital ratio | 13.2645% | 3,829 |
| Total risk-based capital ratio | 14.5153% | 3,742 |
| Memoranda: | ||
| Average total assets | $173,889,000 | 3,242 |
| Average earning assets | $160,266,330 | 3,238 |
| Average equity | $15,850,000 | 3,655 |
| Average total loans | $116,926,330 | 3,133 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8352% | 700 |
| Cost of funding earning assets | 0.4331% | 2,683 |
| Net interest margin | 4.4021% | 634 |
| Noninterest income to average assets | 1.0212% | 964 |
| Noninterest expense to average assets | 3.8143% | 671 |
| Loan and lease loss provision to assets | 0.1166% | 1,647 |
| Net operating income to assets | 1.0701% | 1,982 |
| Return on assets (ROA) | 1.0701% | 2,027 |
| Pretax return on assets | 1.1424% | 2,810 |
| Return on Equity (ROE) | 11.6258% | 1,358 |
| Retained earnings to average equity (ytd only) | 8.2571% | 1,354 |
| Net charge-offs to loans | 0.2386% | 748 |
| Credit loss provision to net charge-offs | 72.4638% | 1,815 |
| Earnings coverage of net charge-offs (x) | 7.8261% | 2,107 |
| Efficiency ratio | 75.1838% | 2,038 |
| Assets per employee ($millions) | 2.6988% | 5,539 |
| Cash dividends to net income (ytd only)* | 28.9760% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 2,142 |
| Loan loss allowance to noncurrent loans | 22,685.7143% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 3,144 |
| Noncurrent loans to loans | 0.0061% | 5,236 |
| Net loans and leases to total assets | 64.4850% | 3,201 |
| Net loans and leases to deposits | 71.5210% | 3,653 |
| Net loans and leases to core deposits | 80.0689% | 3,289 |
| Total domestic deposits to total assets | 90.1624% | 595 |
| Equity capital to assets | 9.1096% | 4,703 |
| Core capital (leverage) ratio | 9.1673% | 4,527 |
| Tier 1 risk-based capital ratio | 13.9288% | 3,523 |
| Total risk-based capital ratio | 15.1802% | 3,434 |
| Memoranda: | ||
| Average total assets | $171,566,500 | 3,296 |
| Average earning assets | $157,925,500 | 3,299 |
| Average equity | $15,792,500 | 3,687 |
| Average total loans | $115,697,500 | 3,175 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7889% | 908 |
| Cost of funding earning assets | 0.4217% | 2,795 |
| Net interest margin | 4.3672% | 826 |
| Noninterest income to average assets | 1.1120% | 930 |
| Noninterest expense to average assets | 4.0534% | 559 |
| Loan and lease loss provision to assets | 0.1270% | 1,952 |
| Net operating income to assets | 0.8878% | 2,889 |
| Return on assets (ROA) | 1.0152% | 2,388 |
| Pretax return on assets | 1.0769% | 3,194 |
| Return on Equity (ROE) | 10.8531% | 1,637 |
| Retained earnings to average equity (ytd only) | 4.6439% | 2,592 |
| Net charge-offs to loans | 0.2222% | 1,244 |
| Credit loss provision to net charge-offs | 85.3659% | 2,888 |
| Earnings coverage of net charge-offs (x) | 7.1789% | 3,059 |
| Efficiency ratio | 79.1401% | 1,535 |
| Assets per employee ($millions) | 2.4306% | 5,693 |
| Cash dividends to net income (ytd only)* | 57.2110% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 2,178 |
| Loan loss allowance to noncurrent loans | 590.8088% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 2,530 |
| Noncurrent loans to loans | 0.2331% | 4,316 |
| Net loans and leases to total assets | 68.6174% | 2,683 |
| Net loans and leases to deposits | 76.2090% | 3,300 |
| Net loans and leases to core deposits | 84.6620% | 2,965 |
| Total domestic deposits to total assets | 90.0384% | 617 |
| Equity capital to assets | 9.3045% | 4,471 |
| Core capital (leverage) ratio | 9.6507% | 3,908 |
| Tier 1 risk-based capital ratio | 14.6255% | 3,133 |
| Total risk-based capital ratio | 15.8787% | 3,076 |
| Memoranda: | ||
| Average total assets | $165,294,200 | 3,343 |
| Average earning assets | $151,769,200 | 3,348 |
| Average equity | $15,461,000 | 3,759 |
| Average total loans | $110,696,000 | 3,207 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 927 |
| Cost of funding earning assets | 0.4205% | 2,835 |
| Net interest margin | 4.3662% | 826 |
| Noninterest income to average assets | 1.0824% | 967 |
| Noninterest expense to average assets | 4.0010% | 585 |
| Loan and lease loss provision to assets | 0.1214% | 1,917 |
| Net operating income to assets | 0.9223% | 2,800 |
| Return on assets (ROA) | 1.0946% | 2,126 |
| Pretax return on assets | 1.1512% | 3,042 |
| Return on Equity (ROE) | 11.6864% | 1,417 |
| Retained earnings to average equity (ytd only) | 3.8465% | 3,568 |
| Net charge-offs to loans | 0.1758% | 1,314 |
| Credit loss provision to net charge-offs | 104.1667% | 2,294 |
| Earnings coverage of net charge-offs (x) | 9.3609% | 2,683 |
| Efficiency ratio | 78.5692% | 1,604 |
| Assets per employee ($millions) | 2.5317% | 5,710 |
| Cash dividends to net income (ytd only)* | 67.0857% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 1,891 |
| Loan loss allowance to noncurrent loans | 812.3153% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 2,950 |
| Noncurrent loans to loans | 0.1809% | 4,627 |
| Net loans and leases to total assets | 67.2079% | 2,921 |
| Net loans and leases to deposits | 74.8702% | 3,515 |
| Net loans and leases to core deposits | 84.1002% | 3,110 |
| Total domestic deposits to total assets | 89.7659% | 572 |
| Equity capital to assets | 9.4684% | 4,690 |
| Core capital (leverage) ratio | 9.4574% | 4,239 |
| Tier 1 risk-based capital ratio | 22.7170% | 1,045 |
| Total risk-based capital ratio | 23.9809% | 1,025 |
| Memoranda: | ||
| Average total assets | $164,689,250 | 3,365 |
| Average earning assets | $151,250,250 | 3,371 |
| Average equity | $15,425,000 | 3,792 |
| Average total loans | $109,198,000 | 3,234 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 991 |
| Cost of funding earning assets | 0.4193% | 2,841 |
| Net interest margin | 4.3089% | 908 |
| Noninterest income to average assets | 1.1000% | 924 |
| Noninterest expense to average assets | 3.9871% | 602 |
| Loan and lease loss provision to assets | 0.0911% | 2,326 |
| Net operating income to assets | 0.9312% | 2,721 |
| Return on assets (ROA) | 0.9312% | 2,858 |
| Pretax return on assets | 0.9773% | 3,672 |
| Return on Equity (ROE) | 9.9785% | 2,061 |
| Retained earnings to average equity (ytd only) | 2.3938% | 4,355 |
| Net charge-offs to loans | 0.0906% | 1,937 |
| Credit loss provision to net charge-offs | 153.0612% | 1,565 |
| Earnings coverage of net charge-offs (x) | 17.9592% | 1,851 |
| Efficiency ratio | 78.8665% | 1,659 |
| Assets per employee ($millions) | 2.4801% | 5,796 |
| Cash dividends to net income (ytd only)* | 76.0104% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 1,936 |
| Loan loss allowance to noncurrent loans | 1,183.6879% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 3,378 |
| Noncurrent loans to loans | 0.1251% | 4,939 |
| Net loans and leases to total assets | 66.8223% | 2,961 |
| Net loans and leases to deposits | 74.3301% | 3,549 |
| Net loans and leases to core deposits | 83.9785% | 3,084 |
| Total domestic deposits to total assets | 89.8994% | 531 |
| Equity capital to assets | 9.3832% | 4,882 |
| Core capital (leverage) ratio | 9.1687% | 4,635 |
| Tier 1 risk-based capital ratio | 20.1639% | 1,426 |
| Total risk-based capital ratio | 21.4254% | 1,388 |
| Memoranda: | ||
| Average total assets | $164,733,000 | 3,380 |
| Average earning assets | $151,222,000 | 3,390 |
| Average equity | $15,373,000 | 3,817 |
| Average total loans | $108,182,330 | 3,267 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6533% | 1,139 |
| Cost of funding earning assets | 0.4247% | 2,820 |
| Net interest margin | 4.2286% | 1,042 |
| Noninterest income to average assets | 1.0243% | 1,024 |
| Noninterest expense to average assets | 3.9289% | 662 |
| Loan and lease loss provision to assets | 0.0610% | 2,725 |
| Net operating income to assets | 0.8731% | 2,886 |
| Return on assets (ROA) | 0.8731% | 3,000 |
| Pretax return on assets | 0.9194% | 3,769 |
| Return on Equity (ROE) | 9.3819% | 2,248 |
| Retained earnings to average equity (ytd only) | 3.9309% | 3,525 |
| Net charge-offs to loans | 0.1586% | 1,176 |
| Credit loss provision to net charge-offs | 59.5238% | 1,986 |
| Earnings coverage of net charge-offs (x) | 9.5714% | 1,980 |
| Efficiency ratio | 80.0298% | 1,602 |
| Assets per employee ($millions) | 2.4826% | 5,854 |
| Cash dividends to net income (ytd only)* | 58.1006% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 1,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 3,772 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 63.3218% | 3,342 |
| Net loans and leases to deposits | 70.1937% | 3,843 |
| Net loans and leases to core deposits | 77.8227% | 3,506 |
| Total domestic deposits to total assets | 90.2101% | 526 |
| Equity capital to assets | 9.1365% | 5,049 |
| Core capital (leverage) ratio | 9.1652% | 4,638 |
| Tier 1 risk-based capital ratio | 21.2746% | 1,267 |
| Total risk-based capital ratio | 22.5372% | 1,242 |
| Memoranda: | ||
| Average total assets | $164,015,000 | 3,404 |
| Average earning assets | $150,689,500 | 3,416 |
| Average equity | $15,263,500 | 3,842 |
| Average total loans | $105,920,000 | 3,320 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 928 |
| Cost of funding earning assets | 0.4395% | 2,744 |
| Net interest margin | 4.3615% | 858 |
| Noninterest income to average assets | 1.0663% | 1,034 |
| Noninterest expense to average assets | 3.8760% | 783 |
| Loan and lease loss provision to assets | 0.1432% | 1,657 |
| Net operating income to assets | 1.0123% | 2,295 |
| Return on assets (ROA) | 1.0123% | 2,381 |
| Pretax return on assets | 1.0562% | 3,240 |
| Return on Equity (ROE) | 10.7996% | 1,682 |
| Retained earnings to average equity (ytd only) | 4.0728% | 3,106 |
| Net charge-offs to loans | 0.1027% | 2,386 |
| Credit loss provision to net charge-offs | 212.2642% | 1,331 |
| Earnings coverage of net charge-offs (x) | 17.7830% | 2,049 |
| Efficiency ratio | 76.3696% | 2,209 |
| Assets per employee ($millions) | 2.4494% | 5,916 |
| Cash dividends to net income (ytd only)* | 62.2879% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 1,644 |
| Loan loss allowance to noncurrent loans | 746.8182% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.7769% | 2,735 |
| Noncurrent loans to loans | 0.2129% | 4,655 |
| Net loans and leases to total assets | 63.8597% | 3,305 |
| Net loans and leases to deposits | 71.1224% | 3,805 |
| Net loans and leases to core deposits | 79.3118% | 3,415 |
| Total domestic deposits to total assets | 89.7885% | 720 |
| Equity capital to assets | 9.4860% | 4,568 |
| Core capital (leverage) ratio | 9.6457% | 3,985 |
| Tier 1 risk-based capital ratio | 19.7940% | 1,520 |
| Total risk-based capital ratio | 21.0554% | 1,490 |
| Memoranda: | ||
| Average total assets | $157,173,400 | 3,468 |
| Average earning assets | $144,467,000 | 3,482 |
| Average equity | $14,732,000 | 3,876 |
| Average total loans | $103,206,600 | 3,329 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8251% | 895 |
| Cost of funding earning assets | 0.4394% | 2,805 |
| Net interest margin | 4.3857% | 818 |
| Noninterest income to average assets | 1.0842% | 1,024 |
| Noninterest expense to average assets | 3.8383% | 808 |
| Loan and lease loss provision to assets | 0.1277% | 1,772 |
| Net operating income to assets | 1.0987% | 2,011 |
| Return on assets (ROA) | 1.0987% | 2,094 |
| Pretax return on assets | 1.1532% | 3,003 |
| Return on Equity (ROE) | 11.7580% | 1,444 |
| Retained earnings to average equity (ytd only) | 3.1422% | 4,221 |
| Net charge-offs to loans | 0.1654% | 1,494 |
| Credit loss provision to net charge-offs | 117.1875% | 2,028 |
| Earnings coverage of net charge-offs (x) | 11.7580% | 2,461 |
| Efficiency ratio | 74.9792% | 2,405 |
| Assets per employee ($millions) | 2.3353% | 6,039 |
| Cash dividends to net income (ytd only)* | 73.2764% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 2,086 |
| Loan loss allowance to noncurrent loans | 1,956.9620% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 2,477 |
| Noncurrent loans to loans | 0.0775% | 5,316 |
| Net loans and leases to total assets | 65.1214% | 3,136 |
| Net loans and leases to deposits | 72.9478% | 3,654 |
| Net loans and leases to core deposits | 81.6496% | 3,289 |
| Total domestic deposits to total assets | 89.2713% | 888 |
| Equity capital to assets | 9.7652% | 4,425 |
| Core capital (leverage) ratio | 9.4152% | 4,412 |
| Tier 1 risk-based capital ratio | 15.3077% | 3,137 |
| Total risk-based capital ratio | 16.5618% | 3,064 |
| Memoranda: | ||
| Average total assets | $156,663,500 | 3,510 |
| Average earning assets | $144,131,250 | 3,521 |
| Average equity | $14,639,250 | 3,927 |
| Average total loans | $103,179,250 | 3,358 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7407% | 1,002 |
| Cost of funding earning assets | 0.4334% | 2,910 |
| Net interest margin | 4.3074% | 905 |
| Noninterest income to average assets | 1.0044% | 1,171 |
| Noninterest expense to average assets | 3.8106% | 859 |
| Loan and lease loss provision to assets | 0.1143% | 1,930 |
| Net operating income to assets | 1.0120% | 2,330 |
| Return on assets (ROA) | 1.0120% | 2,444 |
| Pretax return on assets | 1.0552% | 3,358 |
| Return on Equity (ROE) | 10.9916% | 1,682 |
| Retained earnings to average equity (ytd only) | 1.0481% | 5,155 |
| Net charge-offs to loans | 0.1583% | 1,528 |
| Credit loss provision to net charge-offs | 109.7561% | 1,926 |
| Earnings coverage of net charge-offs (x) | 11.2317% | 2,309 |
| Efficiency ratio | 76.5171% | 2,280 |
| Assets per employee ($millions) | 2.7013% | 5,914 |
| Cash dividends to net income (ytd only)* | 90.4642% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 2,375 |
| Loan loss allowance to noncurrent loans | 1,501.9608% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 5,184 |
| Noncurrent loans to loans | 0.0986% | 5,346 |
| Net loans and leases to total assets | 61.8453% | 3,573 |
| Net loans and leases to deposits | 68.4907% | 4,085 |
| Net loans and leases to core deposits | 75.4777% | 3,812 |
| Total domestic deposits to total assets | 90.2975% | 535 |
| Equity capital to assets | 8.8559% | 5,384 |
| Core capital (leverage) ratio | 9.3059% | 4,545 |
| Tier 1 risk-based capital ratio | 13.9525% | 3,960 |
| Total risk-based capital ratio | 15.2051% | 3,892 |
| Memoranda: | ||
| Average total assets | $157,508,330 | 3,525 |
| Average earning assets | $145,379,000 | 3,521 |
| Average equity | $14,502,000 | 3,963 |
| Average total loans | $103,600,000 | 3,369 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 821 |
| Cost of funding earning assets | 0.4455% | 2,821 |
| Net interest margin | 4.3791% | 767 |
| Noninterest income to average assets | 1.0086% | 1,102 |
| Noninterest expense to average assets | 3.8344% | 840 |
| Loan and lease loss provision to assets | 0.1430% | 1,429 |
| Net operating income to assets | 1.0398% | 2,078 |
| Return on assets (ROA) | 1.0398% | 2,224 |
| Pretax return on assets | 1.0684% | 3,222 |
| Return on Equity (ROE) | 11.0677% | 1,613 |
| Retained earnings to average equity (ytd only) | 1.0514% | 5,055 |
| Net charge-offs to loans | 0.0694% | 2,035 |
| Credit loss provision to net charge-offs | 305.5556% | 793 |
| Earnings coverage of net charge-offs (x) | 25.8889% | 1,255 |
| Efficiency ratio | 75.9918% | 2,511 |
| Assets per employee ($millions) | 2.7178% | 5,953 |
| Cash dividends to net income (ytd only)* | 90.5000% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 2,410 |
| Loan loss allowance to noncurrent loans | 595.8015% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 4,395 |
| Noncurrent loans to loans | 0.2533% | 4,880 |
| Net loans and leases to total assets | 64.6292% | 3,001 |
| Net loans and leases to deposits | 71.8786% | 3,542 |
| Net loans and leases to core deposits | 80.7218% | 3,080 |
| Total domestic deposits to total assets | 89.9144% | 782 |
| Equity capital to assets | 9.2984% | 4,971 |
| Core capital (leverage) ratio | 9.3076% | 4,558 |
| Tier 1 risk-based capital ratio | 13.8654% | 4,108 |
| Total risk-based capital ratio | 15.1180% | 4,029 |
| Memoranda: | ||
| Average total assets | $153,871,500 | 3,593 |
| Average earning assets | $141,855,500 | 3,594 |
| Average equity | $14,456,500 | 4,002 |
| Average total loans | $103,679,000 | 3,384 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0144% | 747 |
| Cost of funding earning assets | 0.3870% | 3,831 |
| Net interest margin | 4.6274% | 591 |
| Noninterest income to average assets | 1.1139% | 983 |
| Noninterest expense to average assets | 3.9178% | 837 |
| Loan and lease loss provision to assets | 0.3327% | 584 |
| Net operating income to assets | 1.0659% | 2,107 |
| Return on assets (ROA) | 1.0659% | 2,162 |
| Pretax return on assets | 1.1365% | 2,944 |
| Return on Equity (ROE) | 11.3711% | 1,600 |
| Retained earnings to average equity (ytd only) | 5.3782% | 2,351 |
| Net charge-offs to loans | 0.2336% | 1,808 |
| Credit loss provision to net charge-offs | 209.0517% | 1,186 |
| Earnings coverage of net charge-offs (x) | 9.2328% | 2,777 |
| Efficiency ratio | 72.7273% | 3,082 |
| Assets per employee ($millions) | 2.5882% | 6,111 |
| Cash dividends to net income (ytd only)* | 52.7027% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 2,620 |
| Loan loss allowance to noncurrent loans | 8,466.6667% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 4,357 |
| Noncurrent loans to loans | 0.0173% | 5,832 |
| Net loans and leases to total assets | 68.2139% | 2,524 |
| Net loans and leases to deposits | 76.0487% | 3,193 |
| Net loans and leases to core deposits | 85.9974% | 2,688 |
| Total domestic deposits to total assets | 89.6978% | 874 |
| Equity capital to assets | 9.4968% | 4,731 |
| Core capital (leverage) ratio | 9.5416% | 4,183 |
| Tier 1 risk-based capital ratio | 13.7115% | 4,293 |
| Total risk-based capital ratio | 14.9641% | 4,224 |
| Memoranda: | ||
| Average total assets | $145,796,600 | 3,693 |
| Average earning assets | $134,632,400 | 3,686 |
| Average equity | $13,666,200 | 4,076 |
| Average total loans | $99,324,000 | 3,439 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 801 |
| Cost of funding earning assets | 0.3601% | 4,231 |
| Net interest margin | 4.6170% | 594 |
| Noninterest income to average assets | 1.1056% | 995 |
| Noninterest expense to average assets | 3.9432% | 803 |
| Loan and lease loss provision to assets | 0.3501% | 504 |
| Net operating income to assets | 1.0098% | 2,412 |
| Return on assets (ROA) | 1.0098% | 2,471 |
| Pretax return on assets | 1.0770% | 3,276 |
| Return on Equity (ROE) | 10.8094% | 1,868 |
| Retained earnings to average equity (ytd only) | 3.1757% | 4,369 |
| Net charge-offs to loans | 0.2159% | 1,744 |
| Credit loss provision to net charge-offs | 238.9937% | 1,096 |
| Earnings coverage of net charge-offs (x) | 9.7423% | 2,631 |
| Efficiency ratio | 73.4260% | 2,916 |
| Assets per employee ($millions) | 2.6487% | 6,121 |
| Cash dividends to net income (ytd only)* | 70.6200% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 2,821 |
| Loan loss allowance to noncurrent loans | 731.3725% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 4,039 |
| Noncurrent loans to loans | 0.2024% | 5,293 |
| Net loans and leases to total assets | 65.7619% | 2,907 |
| Net loans and leases to deposits | 73.1367% | 3,545 |
| Net loans and leases to core deposits | 83.8458% | 2,894 |
| Total domestic deposits to total assets | 89.9164% | 781 |
| Equity capital to assets | 9.1510% | 5,212 |
| Core capital (leverage) ratio | 9.6314% | 4,187 |
| Tier 1 risk-based capital ratio | 13.4923% | 4,546 |
| Total risk-based capital ratio | 14.7438% | 4,482 |
| Memoranda: | ||
| Average total assets | $144,717,500 | 3,748 |
| Average earning assets | $133,675,500 | 3,725 |
| Average equity | $13,518,750 | 4,125 |
| Average total loans | $98,174,500 | 3,488 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 775 |
| Cost of funding earning assets | 0.3493% | 4,446 |
| Net interest margin | 4.6321% | 552 |
| Noninterest income to average assets | 1.0769% | 1,026 |
| Noninterest expense to average assets | 4.0216% | 741 |
| Loan and lease loss provision to assets | 0.2454% | 904 |
| Net operating income to assets | 1.0208% | 2,242 |
| Return on assets (ROA) | 1.0208% | 2,312 |
| Pretax return on assets | 1.0867% | 3,151 |
| Return on Equity (ROE) | 10.8497% | 1,792 |
| Retained earnings to average equity (ytd only) | 2.4144% | 4,672 |
| Net charge-offs to loans | 0.0534% | 3,202 |
| Credit loss provision to net charge-offs | 673.0769% | 463 |
| Earnings coverage of net charge-offs (x) | 36.5385% | 1,123 |
| Efficiency ratio | 75.1179% | 2,791 |
| Assets per employee ($millions) | 2.4932% | 6,302 |
| Cash dividends to net income (ytd only)* | 77.7473% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 3,156 |
| Loan loss allowance to noncurrent loans | 208.5169% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 3,544 |
| Noncurrent loans to loans | 0.6895% | 3,994 |
| Net loans and leases to total assets | 68.4955% | 2,328 |
| Net loans and leases to deposits | 77.0395% | 2,927 |
| Net loans and leases to core deposits | 82.7772% | 2,888 |
| Total domestic deposits to total assets | 88.9095% | 1,411 |
| Equity capital to assets | 9.6613% | 4,541 |
| Core capital (leverage) ratio | 9.7318% | 3,996 |
| Tier 1 risk-based capital ratio | 13.6513% | 4,487 |
| Total risk-based capital ratio | 14.9027% | 4,434 |
| Memoranda: | ||
| Average total assets | $142,630,670 | 3,805 |
| Average earning assets | $131,688,330 | 3,772 |
| Average equity | $13,419,670 | 4,150 |
| Average total loans | $97,306,670 | 3,505 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 839 |
| Cost of funding earning assets | 0.3445% | 4,592 |
| Net interest margin | 4.5751% | 582 |
| Noninterest income to average assets | 0.9714% | 1,196 |
| Noninterest expense to average assets | 4.0283% | 733 |
| Loan and lease loss provision to assets | 0.1960% | 1,196 |
| Net operating income to assets | 0.9266% | 2,518 |
| Return on assets (ROA) | 0.9266% | 2,591 |
| Pretax return on assets | 0.9854% | 3,385 |
| Return on Equity (ROE) | 9.9815% | 2,047 |
| Retained earnings to average equity (ytd only) | 3.6488% | 3,944 |
| Net charge-offs to loans | 0.2858% | 1,207 |
| Credit loss provision to net charge-offs | 101.4493% | 1,639 |
| Earnings coverage of net charge-offs (x) | 6.1159% | 2,275 |
| Efficiency ratio | 77.3240% | 2,591 |
| Assets per employee ($millions) | 2.6708% | 6,226 |
| Cash dividends to net income (ytd only)* | 63.4441% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3231% | 3,992 |
| Loan loss allowance to noncurrent loans | 305.7692% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.5804% | 4,410 |
| Noncurrent loans to loans | 0.4327% | 4,849 |
| Net loans and leases to total assets | 65.7789% | 2,606 |
| Net loans and leases to deposits | 73.1603% | 3,178 |
| Net loans and leases to core deposits | 77.9688% | 3,210 |
| Total domestic deposits to total assets | 89.9106% | 1,121 |
| Equity capital to assets | 9.3176% | 4,742 |
| Core capital (leverage) ratio | 9.6084% | 4,121 |
| Tier 1 risk-based capital ratio | 12.5283% | 5,297 |
| Total risk-based capital ratio | 13.6802% | 5,291 |
| Memoranda: | ||
| Average total assets | $142,889,500 | 3,827 |
| Average earning assets | $132,368,000 | 3,795 |
| Average equity | $13,264,500 | 4,188 |
| Average total loans | $96,579,500 | 3,544 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0036% | 917 |
| Cost of funding earning assets | 0.3594% | 5,057 |
| Net interest margin | 4.6443% | 555 |
| Noninterest income to average assets | 1.1009% | 1,154 |
| Noninterest expense to average assets | 3.9283% | 950 |
| Loan and lease loss provision to assets | 0.4183% | 707 |
| Net operating income to assets | 0.9964% | 2,334 |
| Return on assets (ROA) | 0.9964% | 2,411 |
| Pretax return on assets | 1.0612% | 3,105 |
| Return on Equity (ROE) | 10.8254% | 1,821 |
| Retained earnings to average equity (ytd only) | 2.1590% | 4,710 |
| Net charge-offs to loans | 1.8764% | 212 |
| Credit loss provision to net charge-offs | 32.3450% | 4,199 |
| Earnings coverage of net charge-offs (x) | 1.1439% | 4,694 |
| Efficiency ratio | 72.6405% | 3,361 |
| Assets per employee ($millions) | 2.5278% | 6,380 |
| Cash dividends to net income (ytd only)* | 80.0560% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 4,093 |
| Loan loss allowance to noncurrent loans | 205.9968% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 4,070 |
| Noncurrent loans to loans | 0.6360% | 4,391 |
| Net loans and leases to total assets | 67.6394% | 2,416 |
| Net loans and leases to deposits | 75.1432% | 3,076 |
| Net loans and leases to core deposits | 80.1066% | 3,121 |
| Total domestic deposits to total assets | 90.0140% | 1,066 |
| Equity capital to assets | 9.2478% | 4,749 |
| Core capital (leverage) ratio | 9.7649% | 3,889 |
| Tier 1 risk-based capital ratio | 13.8037% | 4,434 |
| Total risk-based capital ratio | 15.0539% | 4,384 |
| Memoranda: | ||
| Average total assets | $143,421,800 | 3,824 |
| Average earning assets | $133,003,000 | 3,775 |
| Average equity | $13,200,400 | 4,224 |
| Average total loans | $98,859,800 | 3,474 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 898 |
| Cost of funding earning assets | 0.3685% | 5,108 |
| Net interest margin | 4.6551% | 560 |
| Noninterest income to average assets | 1.0471% | 1,331 |
| Noninterest expense to average assets | 3.8816% | 988 |
| Loan and lease loss provision to assets | 0.4170% | 710 |
| Net operating income to assets | 1.0008% | 2,373 |
| Return on assets (ROA) | 1.0008% | 2,459 |
| Pretax return on assets | 1.0684% | 3,228 |
| Return on Equity (ROE) | 10.8859% | 1,859 |
| Retained earnings to average equity (ytd only) | 1.3003% | 5,464 |
| Net charge-offs to loans | 2.4862% | 127 |
| Credit loss provision to net charge-offs | 24.2981% | 3,994 |
| Earnings coverage of net charge-offs (x) | 0.8656% | 4,565 |
| Efficiency ratio | 72.3239% | 3,342 |
| Assets per employee ($millions) | 2.5713% | 6,409 |
| Cash dividends to net income (ytd only)* | 88.0559% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 4,972 |
| Loan loss allowance to noncurrent loans | 156.5460% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 4,325 |
| Noncurrent loans to loans | 0.7534% | 4,341 |
| Net loans and leases to total assets | 67.8276% | 2,319 |
| Net loans and leases to deposits | 75.6338% | 3,009 |
| Net loans and leases to core deposits | 80.9969% | 3,005 |
| Total domestic deposits to total assets | 89.6789% | 1,180 |
| Equity capital to assets | 9.3963% | 4,678 |
| Core capital (leverage) ratio | 9.5473% | 4,338 |
| Tier 1 risk-based capital ratio | 13.9198% | 4,484 |
| Total risk-based capital ratio | 15.0738% | 4,508 |
| Memoranda: | ||
| Average total assets | $143,887,750 | 3,844 |
| Average earning assets | $133,527,000 | 3,805 |
| Average equity | $13,227,750 | 4,263 |
| Average total loans | $99,319,750 | 3,491 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9366% | 1,020 |
| Cost of funding earning assets | 0.3804% | 5,133 |
| Net interest margin | 4.5562% | 640 |
| Noninterest income to average assets | 1.0222% | 1,462 |
| Noninterest expense to average assets | 3.8209% | 1,065 |
| Loan and lease loss provision to assets | 0.4122% | 741 |
| Net operating income to assets | 0.9549% | 2,541 |
| Return on assets (ROA) | 0.9549% | 2,691 |
| Pretax return on assets | 1.0181% | 3,423 |
| Return on Equity (ROE) | 10.4606% | 2,024 |
| Retained earnings to average equity (ytd only) | -0.4214% | 5,939 |
| Net charge-offs to loans | 0.8862% | 707 |
| Credit loss provision to net charge-offs | 67.2646% | 2,886 |
| Earnings coverage of net charge-offs (x) | 2.3341% | 3,740 |
| Efficiency ratio | 72.7630% | 3,348 |
| Assets per employee ($millions) | 2.5718% | 6,428 |
| Cash dividends to net income (ytd only)* | 104.0288% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 1,125 |
| Loan loss allowance to noncurrent loans | 314.8148% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.7284% | 4,400 |
| Noncurrent loans to loans | 0.7547% | 4,416 |
| Net loans and leases to total assets | 67.9019% | 2,260 |
| Net loans and leases to deposits | 75.2076% | 2,988 |
| Net loans and leases to core deposits | 80.2460% | 2,998 |
| Total domestic deposits to total assets | 90.2859% | 871 |
| Equity capital to assets | 8.8718% | 5,364 |
| Core capital (leverage) ratio | 9.1245% | 4,793 |
| Tier 1 risk-based capital ratio | 13.1714% | 5,018 |
| Total risk-based capital ratio | 14.4344% | 4,944 |
| Memoranda: | ||
| Average total assets | $145,566,330 | 3,849 |
| Average earning assets | $135,113,330 | 3,803 |
| Average equity | $13,288,000 | 4,282 |
| Average total loans | $100,658,330 | 3,465 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9735% | 944 |
| Cost of funding earning assets | 0.4037% | 5,067 |
| Net interest margin | 4.5698% | 592 |
| Noninterest income to average assets | 0.9239% | 1,681 |
| Noninterest expense to average assets | 3.8048% | 1,105 |
| Loan and lease loss provision to assets | 0.4100% | 747 |
| Net operating income to assets | 0.8911% | 2,694 |
| Return on assets (ROA) | 0.8911% | 2,841 |
| Pretax return on assets | 0.9485% | 3,575 |
| Return on Equity (ROE) | 9.6282% | 2,222 |
| Retained earnings to average equity (ytd only) | 3.3079% | 4,267 |
| Net charge-offs to loans | 1.1377% | 523 |
| Credit loss provision to net charge-offs | 52.2648% | 2,571 |
| Earnings coverage of net charge-offs (x) | 1.7317% | 3,256 |
| Efficiency ratio | 73.6898% | 3,320 |
| Assets per employee ($millions) | 2.6129% | 6,481 |
| Cash dividends to net income (ytd only)* | 65.6442% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3413% | 1,344 |
| Loan loss allowance to noncurrent loans | 567.4584% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 5,558 |
| Noncurrent loans to loans | 0.4126% | 5,379 |
| Net loans and leases to total assets | 66.9084% | 2,212 |
| Net loans and leases to deposits | 74.2941% | 2,883 |
| Net loans and leases to core deposits | 78.8152% | 2,954 |
| Total domestic deposits to total assets | 90.0588% | 1,012 |
| Equity capital to assets | 9.1221% | 5,344 |
| Core capital (leverage) ratio | 9.1809% | 4,596 |
| Tier 1 risk-based capital ratio | 12.9751% | 5,240 |
| Total risk-based capital ratio | 14.2381% | 5,178 |
| Memoranda: | ||
| Average total assets | $146,340,500 | 3,871 |
| Average earning assets | $135,759,500 | 3,835 |
| Average equity | $13,543,500 | 4,280 |
| Average total loans | $100,902,000 | 3,483 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 921 |
| Cost of funding earning assets | 0.5099% | 5,151 |
| Net interest margin | 4.7939% | 544 |
| Noninterest income to average assets | 1.1075% | 1,261 |
| Noninterest expense to average assets | 3.7389% | 1,342 |
| Loan and lease loss provision to assets | 0.9723% | 439 |
| Net operating income to assets | 0.8268% | 3,151 |
| Return on assets (ROA) | 0.8268% | 3,410 |
| Pretax return on assets | 0.8440% | 4,139 |
| Return on Equity (ROE) | 9.0846% | 2,603 |
| Retained earnings to average equity (ytd only) | 1.6517% | 5,032 |
| Net charge-offs to loans | 0.3841% | 2,720 |
| Credit loss provision to net charge-offs | 368.1462% | 664 |
| Earnings coverage of net charge-offs (x) | 6.8773% | 2,716 |
| Efficiency ratio | 67.3039% | 4,266 |
| Assets per employee ($millions) | 2.5669% | 6,563 |
| Cash dividends to net income (ytd only)* | 81.8182% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5320% | 1,096 |
| Loan loss allowance to noncurrent loans | 1,899.2481% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 6,032 |
| Noncurrent loans to loans | 0.1333% | 6,150 |
| Net loans and leases to total assets | 67.6464% | 2,253 |
| Net loans and leases to deposits | 75.3738% | 2,900 |
| Net loans and leases to core deposits | 80.2130% | 2,974 |
| Total domestic deposits to total assets | 89.7479% | 1,094 |
| Equity capital to assets | 9.3923% | 5,008 |
| Core capital (leverage) ratio | 9.3847% | 4,275 |
| Tier 1 risk-based capital ratio | 13.3621% | 4,846 |
| Total risk-based capital ratio | 14.6277% | 4,792 |
| Memoranda: | ||
| Average total assets | $145,015,400 | 3,858 |
| Average earning assets | $134,546,600 | 3,813 |
| Average equity | $13,198,200 | 4,316 |
| Average total loans | $99,716,200 | 3,533 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3466% | 928 |
| Cost of funding earning assets | 0.5364% | 5,194 |
| Net interest margin | 4.8101% | 554 |
| Noninterest income to average assets | 1.1073% | 1,228 |
| Noninterest expense to average assets | 3.7073% | 1,353 |
| Loan and lease loss provision to assets | 1.2660% | 284 |
| Net operating income to assets | 0.5615% | 4,566 |
| Return on assets (ROA) | 0.5615% | 4,828 |
| Pretax return on assets | 0.6009% | 5,164 |
| Return on Equity (ROE) | 6.2182% | 4,221 |
| Retained earnings to average equity (ytd only) | -3.0685% | 6,485 |
| Net charge-offs to loans | 0.4333% | 2,365 |
| Credit loss provision to net charge-offs | 425.9259% | 628 |
| Earnings coverage of net charge-offs (x) | 6.2809% | 2,820 |
| Efficiency ratio | 66.5076% | 4,355 |
| Assets per employee ($millions) | 2.5399% | 6,664 |
| Cash dividends to net income (ytd only)* | 149.3468% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5752% | 1,109 |
| Loan loss allowance to noncurrent loans | 1,586.9565% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 5,843 |
| Noncurrent loans to loans | 0.1623% | 6,208 |
| Net loans and leases to total assets | 67.9589% | 2,309 |
| Net loans and leases to deposits | 75.5569% | 3,048 |
| Net loans and leases to core deposits | 80.7370% | 3,115 |
| Total domestic deposits to total assets | 89.9440% | 881 |
| Equity capital to assets | 9.1568% | 5,642 |
| Core capital (leverage) ratio | 9.0083% | 5,055 |
| Tier 1 risk-based capital ratio | 13.0447% | 5,211 |
| Total risk-based capital ratio | 14.3110% | 5,154 |
| Memoranda: | ||
| Average total assets | $145,332,750 | 3,894 |
| Average earning assets | $134,961,750 | 3,852 |
| Average equity | $13,122,500 | 4,375 |
| Average total loans | $99,704,000 | 3,563 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 994 |
| Cost of funding earning assets | 0.5502% | 5,304 |
| Net interest margin | 4.7780% | 583 |
| Noninterest income to average assets | 1.1136% | 1,154 |
| Noninterest expense to average assets | 3.6060% | 1,567 |
| Loan and lease loss provision to assets | 1.7832% | 187 |
| Net operating income to assets | 0.1517% | 6,034 |
| Return on assets (ROA) | 0.1517% | 6,204 |
| Pretax return on assets | 0.1626% | 6,205 |
| Return on Equity (ROE) | 1.6875% | 6,137 |
| Retained earnings to average equity (ytd only) | -8.5441% | 6,788 |
| Net charge-offs to loans | 0.5948% | 1,827 |
| Credit loss provision to net charge-offs | 439.3939% | 678 |
| Earnings coverage of net charge-offs (x) | 4.7946% | 2,985 |
| Efficiency ratio | 64.9520% | 4,728 |
| Assets per employee ($millions) | 2.5421% | 6,720 |
| Cash dividends to net income (ytd only)* | 606.3063% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5316% | 1,245 |
| Loan loss allowance to noncurrent loans | 1,989.6825% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.2401% | 6,168 |
| Noncurrent loans to loans | 0.1272% | 6,347 |
| Net loans and leases to total assets | 65.4621% | 2,778 |
| Net loans and leases to deposits | 72.2855% | 3,570 |
| Net loans and leases to core deposits | 77.0108% | 3,657 |
| Total domestic deposits to total assets | 90.5605% | 631 |
| Equity capital to assets | 8.6494% | 6,074 |
| Core capital (leverage) ratio | 8.5809% | 5,543 |
| Tier 1 risk-based capital ratio | 12.5861% | 5,509 |
| Total risk-based capital ratio | 13.8518% | 5,481 |
| Memoranda: | ||
| Average total assets | $146,366,000 | 3,896 |
| Average earning assets | $135,957,330 | 3,848 |
| Average equity | $13,155,330 | 4,366 |
| Average total loans | $99,867,000 | 3,576 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 943 |
| Cost of funding earning assets | 0.5615% | 5,420 |
| Net interest margin | 4.8173% | 543 |
| Noninterest income to average assets | 1.1795% | 1,029 |
| Noninterest expense to average assets | 3.8347% | 1,158 |
| Loan and lease loss provision to assets | 0.6172% | 912 |
| Net operating income to assets | 1.1219% | 1,980 |
| Return on assets (ROA) | 1.1219% | 2,167 |
| Pretax return on assets | 1.1987% | 2,916 |
| Return on Equity (ROE) | 12.2487% | 1,600 |
| Retained earnings to average equity (ytd only) | 9.5534% | 1,395 |
| Net charge-offs to loans | 0.9054% | 1,132 |
| Credit loss provision to net charge-offs | 99.1189% | 2,391 |
| Earnings coverage of net charge-offs (x) | 2.9163% | 3,017 |
| Efficiency ratio | 67.8641% | 4,199 |
| Assets per employee ($millions) | 2.7727% | 6,545 |
| Cash dividends to net income (ytd only)* | 22.0049% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 4,109 |
| Loan loss allowance to noncurrent loans | 536.5591% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 5,750 |
| Noncurrent loans to loans | 0.2813% | 6,118 |
| Net loans and leases to total assets | 65.2449% | 2,611 |
| Net loans and leases to deposits | 72.3502% | 3,374 |
| Net loans and leases to core deposits | 77.0191% | 3,469 |
| Total domestic deposits to total assets | 90.1793% | 988 |
| Equity capital to assets | 8.9905% | 5,509 |
| Core capital (leverage) ratio | 9.2614% | 4,420 |
| Tier 1 risk-based capital ratio | 13.3211% | 4,953 |
| Total risk-based capital ratio | 14.5666% | 4,957 |
| Memoranda: | ||
| Average total assets | $145,827,000 | 3,940 |
| Average earning assets | $135,346,500 | 3,896 |
| Average equity | $13,356,500 | 4,338 |
| Average total loans | $100,287,000 | 3,591 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9124% | 507 |
| Cost of funding earning assets | 0.8515% | 4,468 |
| Net interest margin | 5.0609% | 360 |
| Noninterest income to average assets | 0.9833% | 1,412 |
| Noninterest expense to average assets | 4.0897% | 923 |
| Loan and lease loss provision to assets | 0.4648% | 2,282 |
| Net operating income to assets | 1.0376% | 2,054 |
| Return on assets (ROA) | 1.0376% | 2,208 |
| Pretax return on assets | 1.0913% | 2,871 |
| Return on Equity (ROE) | 10.8130% | 1,759 |
| Retained earnings to average equity (ytd only) | -1.0880% | 6,020 |
| Net charge-offs to loans | 0.3209% | 3,785 |
| Credit loss provision to net charge-offs | 196.9697% | 1,285 |
| Earnings coverage of net charge-offs (x) | 6.5939% | 2,486 |
| Efficiency ratio | 72.4383% | 3,494 |
| Assets per employee ($millions) | 2.5805% | 6,751 |
| Cash dividends to net income (ytd only)* | 110.0620% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 4,118 |
| Loan loss allowance to noncurrent loans | 175.5269% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.9096% | 4,792 |
| Noncurrent loans to loans | 0.8423% | 5,004 |
| Net loans and leases to total assets | 70.3803% | 1,955 |
| Net loans and leases to deposits | 78.4152% | 2,770 |
| Net loans and leases to core deposits | 82.9796% | 3,029 |
| Total domestic deposits to total assets | 89.7533% | 1,128 |
| Equity capital to assets | 9.3371% | 5,105 |
| Core capital (leverage) ratio | 9.4090% | 4,169 |
| Tier 1 risk-based capital ratio | 13.0035% | 5,066 |
| Total risk-based capital ratio | 14.2477% | 5,042 |
| Memoranda: | ||
| Average total assets | $139,838,800 | 3,980 |
| Average earning assets | $128,831,200 | 3,954 |
| Average equity | $13,419,000 | 4,256 |
| Average total loans | $102,848,200 | 3,548 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0131% | 445 |
| Cost of funding earning assets | 0.9278% | 4,213 |
| Net interest margin | 5.0853% | 349 |
| Noninterest income to average assets | 0.9877% | 1,370 |
| Noninterest expense to average assets | 4.1267% | 862 |
| Loan and lease loss provision to assets | 0.4546% | 2,185 |
| Net operating income to assets | 1.0154% | 2,264 |
| Return on assets (ROA) | 1.0154% | 2,423 |
| Pretax return on assets | 1.0853% | 3,069 |
| Return on Equity (ROE) | 10.5093% | 2,027 |
| Retained earnings to average equity (ytd only) | -0.4061% | 6,052 |
| Net charge-offs to loans | 0.2584% | 3,815 |
| Credit loss provision to net charge-offs | 237.5000% | 1,199 |
| Earnings coverage of net charge-offs (x) | 8.0450% | 2,248 |
| Efficiency ratio | 72.8255% | 3,393 |
| Assets per employee ($millions) | 2.4504% | 6,939 |
| Cash dividends to net income (ytd only)* | 103.8646% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 4,261 |
| Loan loss allowance to noncurrent loans | 812.2905% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 5,895 |
| Noncurrent loans to loans | 0.1806% | 6,511 |
| Net loans and leases to total assets | 71.1837% | 1,868 |
| Net loans and leases to deposits | 79.8259% | 2,677 |
| Net loans and leases to core deposits | 84.8674% | 2,930 |
| Total domestic deposits to total assets | 89.1737% | 1,317 |
| Equity capital to assets | 9.7616% | 4,684 |
| Core capital (leverage) ratio | 9.4622% | 4,208 |
| Tier 1 risk-based capital ratio | 13.3465% | 4,840 |
| Total risk-based capital ratio | 14.5884% | 4,824 |
| Memoranda: | ||
| Average total assets | $139,316,250 | 4,016 |
| Average earning assets | $128,183,250 | 3,991 |
| Average equity | $13,460,750 | 4,254 |
| Average total loans | $103,213,000 | 3,564 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0360% | 449 |
| Cost of funding earning assets | 1.0151% | 3,848 |
| Net interest margin | 5.0209% | 382 |
| Noninterest income to average assets | 0.9556% | 1,445 |
| Noninterest expense to average assets | 3.8653% | 1,253 |
| Loan and lease loss provision to assets | 0.6785% | 1,417 |
| Net operating income to assets | 0.9599% | 2,395 |
| Return on assets (ROA) | 0.9599% | 2,496 |
| Pretax return on assets | 1.0256% | 3,139 |
| Return on Equity (ROE) | 9.9684% | 2,125 |
| Retained earnings to average equity (ytd only) | 1.5576% | 5,201 |
| Net charge-offs to loans | 0.1798% | 4,087 |
| Credit loss provision to net charge-offs | 505.3191% | 598 |
| Earnings coverage of net charge-offs (x) | 12.6915% | 1,607 |
| Efficiency ratio | 69.4024% | 4,238 |
| Assets per employee ($millions) | 2.5301% | 6,875 |
| Cash dividends to net income (ytd only)* | 84.3750% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 3,979 |
| Loan loss allowance to noncurrent loans | 2,294.1176% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.5402% | 5,840 |
| Noncurrent loans to loans | 0.0668% | 6,814 |
| Net loans and leases to total assets | 69.5550% | 2,306 |
| Net loans and leases to deposits | 77.5897% | 3,203 |
| Net loans and leases to core deposits | 82.8280% | 3,387 |
| Total domestic deposits to total assets | 89.6446% | 1,162 |
| Equity capital to assets | 9.3971% | 4,979 |
| Core capital (leverage) ratio | 9.4617% | 4,012 |
| Tier 1 risk-based capital ratio | 13.1350% | 4,815 |
| Total risk-based capital ratio | 14.3791% | 4,795 |
| Memoranda: | ||
| Average total assets | $140,014,670 | 4,028 |
| Average earning assets | $128,661,670 | 4,018 |
| Average equity | $13,482,670 | 4,231 |
| Average total loans | $104,573,000 | 3,571 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1465% | 368 |
| Cost of funding earning assets | 1.0650% | 3,746 |
| Net interest margin | 5.0815% | 317 |
| Noninterest income to average assets | 0.9803% | 1,386 |
| Noninterest expense to average assets | 3.9242% | 1,143 |
| Loan and lease loss provision to assets | 0.7251% | 1,166 |
| Net operating income to assets | 0.9310% | 2,442 |
| Return on assets (ROA) | 0.9310% | 2,505 |
| Pretax return on assets | 0.9948% | 3,146 |
| Return on Equity (ROE) | 9.5479% | 2,267 |
| Retained earnings to average equity (ytd only) | 2.2903% | 4,781 |
| Net charge-offs to loans | 0.1548% | 3,558 |
| Credit loss provision to net charge-offs | 609.7561% | 609 |
| Earnings coverage of net charge-offs (x) | 14.4634% | 1,367 |
| Efficiency ratio | 69.5272% | 4,369 |
| Assets per employee ($millions) | 2.5527% | 6,908 |
| Cash dividends to net income (ytd only)* | 76.0125% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 5,139 |
| Loan loss allowance to noncurrent loans | 485.3147% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 5,543 |
| Noncurrent loans to loans | 0.2675% | 6,453 |
| Net loans and leases to total assets | 75.1572% | 1,151 |
| Net loans and leases to deposits | 83.9980% | 2,027 |
| Net loans and leases to core deposits | 89.8302% | 2,372 |
| Total domestic deposits to total assets | 89.4750% | 1,496 |
| Equity capital to assets | 9.6041% | 4,308 |
| Core capital (leverage) ratio | 9.6302% | 3,622 |
| Tier 1 risk-based capital ratio | 12.4981% | 5,268 |
| Total risk-based capital ratio | 13.7412% | 5,251 |
| Memoranda: | ||
| Average total assets | $137,915,000 | 4,097 |
| Average earning assets | $126,576,000 | 4,095 |
| Average equity | $13,448,000 | 4,231 |
| Average total loans | $105,925,500 | 3,581 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2419% | 520 |
| Cost of funding earning assets | 1.3077% | 3,830 |
| Net interest margin | 4.9342% | 503 |
| Noninterest income to average assets | 1.0805% | 1,280 |
| Noninterest expense to average assets | 3.8315% | 1,427 |
| Loan and lease loss provision to assets | 0.6007% | 2,732 |
| Net operating income to assets | 1.1137% | 1,662 |
| Return on assets (ROA) | 1.1137% | 1,747 |
| Pretax return on assets | 1.1836% | 2,279 |
| Return on Equity (ROE) | 11.7159% | 1,384 |
| Retained earnings to average equity (ytd only) | 1.9997% | 4,468 |
| Net charge-offs to loans | 0.7172% | 2,866 |
| Credit loss provision to net charge-offs | 110.3896% | 3,986 |
| Earnings coverage of net charge-offs (x) | 3.2792% | 3,436 |
| Efficiency ratio | 68.2270% | 4,516 |
| Assets per employee ($millions) | 2.5080% | 7,000 |
| Cash dividends to net income (ytd only)* | 82.9315% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 5,858 |
| Loan loss allowance to noncurrent loans | 385.2941% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 5,309 |
| Noncurrent loans to loans | 0.2916% | 6,475 |
| Net loans and leases to total assets | 76.6176% | 1,156 |
| Net loans and leases to deposits | 85.9415% | 2,111 |
| Net loans and leases to core deposits | 93.5949% | 2,312 |
| Total domestic deposits to total assets | 89.1509% | 1,568 |
| Equity capital to assets | 9.9032% | 3,875 |
| Core capital (leverage) ratio | 9.7187% | 3,416 |
| Tier 1 risk-based capital ratio | 12.7739% | 4,794 |
| Total risk-based capital ratio | 13.9015% | 4,876 |
| Memoranda: | ||
| Average total assets | $141,511,600 | 4,030 |
| Average earning assets | $130,071,800 | 4,015 |
| Average equity | $13,451,800 | 4,269 |
| Average total loans | $107,356,800 | 3,608 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2706% | 540 |
| Cost of funding earning assets | 1.3556% | 3,860 |
| Net interest margin | 4.9149% | 538 |
| Noninterest income to average assets | 1.1121% | 1,139 |
| Noninterest expense to average assets | 3.7874% | 1,390 |
| Loan and lease loss provision to assets | 0.6525% | 2,337 |
| Net operating income to assets | 1.1242% | 1,811 |
| Return on assets (ROA) | 1.1242% | 1,922 |
| Pretax return on assets | 1.1941% | 2,510 |
| Return on Equity (ROE) | 11.9447% | 1,518 |
| Retained earnings to average equity (ytd only) | 5.6256% | 2,576 |
| Net charge-offs to loans | 0.5348% | 3,164 |
| Credit loss provision to net charge-offs | 161.6628% | 2,336 |
| Earnings coverage of net charge-offs (x) | 4.5751% | 2,993 |
| Efficiency ratio | 67.2237% | 4,620 |
| Assets per employee ($millions) | 2.6175% | 6,908 |
| Cash dividends to net income (ytd only)* | 52.9024% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 4,886 |
| Loan loss allowance to noncurrent loans | 997.0803% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 6,072 |
| Noncurrent loans to loans | 0.1316% | 6,914 |
| Net loans and leases to total assets | 75.4663% | 1,500 |
| Net loans and leases to deposits | 85.6790% | 2,412 |
| Net loans and leases to core deposits | 94.3016% | 2,484 |
| Total domestic deposits to total assets | 88.0803% | 1,917 |
| Equity capital to assets | 10.1028% | 4,016 |
| Core capital (leverage) ratio | 9.6736% | 3,659 |
| Tier 1 risk-based capital ratio | 13.0793% | 4,517 |
| Total risk-based capital ratio | 14.3254% | 4,496 |
| Memoranda: | ||
| Average total assets | $143,031,750 | 4,053 |
| Average earning assets | $131,595,500 | 4,037 |
| Average equity | $13,461,750 | 4,336 |
| Average total loans | $107,960,250 | 3,639 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2433% | 575 |
| Cost of funding earning assets | 1.3598% | 4,126 |
| Net interest margin | 4.8834% | 554 |
| Noninterest income to average assets | 1.0238% | 1,303 |
| Noninterest expense to average assets | 3.6659% | 1,634 |
| Loan and lease loss provision to assets | 0.7569% | 1,896 |
| Net operating income to assets | 1.0376% | 2,056 |
| Return on assets (ROA) | 1.0376% | 2,135 |
| Pretax return on assets | 1.0981% | 2,790 |
| Return on Equity (ROE) | 11.2829% | 1,654 |
| Retained earnings to average equity (ytd only) | 3.8458% | 3,641 |
| Net charge-offs to loans | 0.2215% | 4,273 |
| Credit loss provision to net charge-offs | 454.5455% | 801 |
| Earnings coverage of net charge-offs (x) | 11.1405% | 1,798 |
| Efficiency ratio | 66.4008% | 4,910 |
| Assets per employee ($millions) | 2.7040% | 6,774 |
| Cash dividends to net income (ytd only)* | 65.9151% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 4,419 |
| Loan loss allowance to noncurrent loans | 1,910.0000% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 6,290 |
| Noncurrent loans to loans | 0.0733% | 7,124 |
| Net loans and leases to total assets | 73.7060% | 1,978 |
| Net loans and leases to deposits | 85.3163% | 2,633 |
| Net loans and leases to core deposits | 101.9988% | 1,829 |
| Total domestic deposits to total assets | 86.3914% | 2,874 |
| Equity capital to assets | 9.2098% | 5,133 |
| Core capital (leverage) ratio | 9.2048% | 4,293 |
| Tier 1 risk-based capital ratio | 11.3934% | 5,870 |
| Total risk-based capital ratio | 12.6417% | 5,852 |
| Memoranda: | ||
| Average total assets | $145,338,670 | 4,041 |
| Average earning assets | $133,840,000 | 4,024 |
| Average equity | $13,365,330 | 4,361 |
| Average total loans | $109,252,330 | 3,656 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2746% | 553 |
| Cost of funding earning assets | 1.3804% | 4,307 |
| Net interest margin | 4.8942% | 524 |
| Noninterest income to average assets | 0.9104% | 1,584 |
| Noninterest expense to average assets | 3.6276% | 1,671 |
| Loan and lease loss provision to assets | 0.7586% | 1,673 |
| Net operating income to assets | 0.9793% | 2,261 |
| Return on assets (ROA) | 0.9793% | 2,320 |
| Pretax return on assets | 1.0235% | 2,996 |
| Return on Equity (ROE) | 10.6575% | 1,884 |
| Retained earnings to average equity (ytd only) | 8.1657% | 1,637 |
| Net charge-offs to loans | 0.3843% | 2,894 |
| Credit loss provision to net charge-offs | 261.9048% | 1,497 |
| Earnings coverage of net charge-offs (x) | 6.1524% | 2,274 |
| Efficiency ratio | 67.0576% | 4,905 |
| Assets per employee ($millions) | 2.6874% | 6,887 |
| Cash dividends to net income (ytd only)* | 23.3803% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 5,703 |
| Loan loss allowance to noncurrent loans | 1,185.9813% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 5,753 |
| Noncurrent loans to loans | 0.0980% | 7,146 |
| Net loans and leases to total assets | 73.0234% | 2,194 |
| Net loans and leases to deposits | 84.2628% | 2,898 |
| Net loans and leases to core deposits | 103.3069% | 1,795 |
| Total domestic deposits to total assets | 86.6616% | 2,813 |
| Equity capital to assets | 9.0916% | 5,148 |
| Core capital (leverage) ratio | 9.1171% | 4,345 |
| Tier 1 risk-based capital ratio | 11.6597% | 5,521 |
| Total risk-based capital ratio | 12.7673% | 5,631 |
| Memoranda: | ||
| Average total assets | $144,999,000 | 4,114 |
| Average earning assets | $133,299,500 | 4,095 |
| Average equity | $13,324,000 | 4,399 |
| Average total loans | $109,302,500 | 3,699 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5996% | 552 |
| Cost of funding earning assets | 2.0112% | 2,912 |
| Net interest margin | 4.5883% | 1,004 |
| Noninterest income to average assets | 0.9918% | 1,604 |
| Noninterest expense to average assets | 3.6796% | 1,954 |
| Loan and lease loss provision to assets | 0.4513% | 4,121 |
| Net operating income to assets | 0.9888% | 1,875 |
| Return on assets (ROA) | 0.9856% | 1,939 |
| Pretax return on assets | 1.0326% | 2,487 |
| Return on Equity (ROE) | 10.8418% | 1,468 |
| Retained earnings to average equity (ytd only) | 1.3001% | 4,135 |
| Net charge-offs to loans | 0.5411% | 3,628 |
| Credit loss provision to net charge-offs | 115.1675% | 4,738 |
| Earnings coverage of net charge-offs (x) | 3.7954% | 3,194 |
| Efficiency ratio | 71.2146% | 4,408 |
| Assets per employee ($millions) | 2.5853% | 7,062 |
| Cash dividends to net income (ytd only)* | 88.0084% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,351 |
| Loan loss allowance to noncurrent loans | 289.9736% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 5,428 |
| Noncurrent loans to loans | 0.3464% | 6,587 |
| Net loans and leases to total assets | 76.1674% | 1,750 |
| Net loans and leases to deposits | 92.1815% | 1,869 |
| Net loans and leases to core deposits | 121.3708% | 1,849 |
| Total domestic deposits to total assets | 82.6277% | 4,695 |
| Equity capital to assets | 9.2903% | 4,709 |
| Core capital (leverage) ratio | 8.9843% | 4,447 |
| Tier 1 risk-based capital ratio | 11.2656% | 5,645 |
| Total risk-based capital ratio | 12.2116% | 5,922 |
| Memoranda: | ||
| Average total assets | $144,688,600 | 4,034 |
| Average earning assets | $131,660,400 | 4,051 |
| Average equity | $13,152,800 | 4,474 |
| Average total loans | $104,780,600 | 3,813 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6263% | 590 |
| Cost of funding earning assets | 2.1452% | 2,677 |
| Net interest margin | 4.4812% | 1,241 |
| Noninterest income to average assets | 0.9983% | 1,613 |
| Noninterest expense to average assets | 3.6344% | 1,951 |
| Loan and lease loss provision to assets | 0.4799% | 3,502 |
| Net operating income to assets | 0.9035% | 2,409 |
| Return on assets (ROA) | 0.8992% | 2,496 |
| Pretax return on assets | 0.9506% | 3,058 |
| Return on Equity (ROE) | 9.9450% | 1,931 |
| Retained earnings to average equity (ytd only) | -0.4567% | 5,332 |
| Net charge-offs to loans | 0.3757% | 3,768 |
| Credit loss provision to net charge-offs | 179.1096% | 2,565 |
| Earnings coverage of net charge-offs (x) | 5.3562% | 2,848 |
| Efficiency ratio | 71.6923% | 4,300 |
| Assets per employee ($millions) | 2.6066% | 7,035 |
| Cash dividends to net income (ytd only)* | 104.5920% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1594% | 5,363 |
| Loan loss allowance to noncurrent loans | 971.8750% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.7254% | 5,682 |
| Noncurrent loans to loans | 0.1193% | 7,174 |
| Net loans and leases to total assets | 73.9759% | 2,530 |
| Net loans and leases to deposits | 87.0680% | 3,132 |
| Net loans and leases to core deposits | 121.0331% | 2,155 |
| Total domestic deposits to total assets | 84.9633% | 3,255 |
| Equity capital to assets | 9.1188% | 5,308 |
| Core capital (leverage) ratio | 8.8632% | 4,880 |
| Tier 1 risk-based capital ratio | 10.9818% | 5,970 |
| Total risk-based capital ratio | 12.0432% | 6,135 |
| Memoranda: | ||
| Average total assets | $145,312,750 | 4,052 |
| Average earning assets | $132,015,250 | 4,068 |
| Average equity | $13,138,500 | 4,502 |
| Average total loans | $103,625,000 | 3,892 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5707% | 699 |
| Cost of funding earning assets | 2.2574% | 2,540 |
| Net interest margin | 4.3133% | 1,621 |
| Noninterest income to average assets | 0.9564% | 1,737 |
| Noninterest expense to average assets | 3.4940% | 2,355 |
| Loan and lease loss provision to assets | 0.3247% | 3,995 |
| Net operating income to assets | 0.9759% | 2,191 |
| Return on assets (ROA) | 0.8098% | 2,915 |
| Pretax return on assets | 0.8619% | 3,466 |
| Return on Equity (ROE) | 8.9815% | 2,364 |
| Retained earnings to average equity (ytd only) | -1.1398% | 5,521 |
| Net charge-offs to loans | 0.3926% | 3,238 |
| Credit loss provision to net charge-offs | 117.9104% | 3,936 |
| Earnings coverage of net charge-offs (x) | 4.9502% | 2,944 |
| Efficiency ratio | 71.9323% | 4,427 |
| Assets per employee ($millions) | 2.5296% | 7,194 |
| Cash dividends to net income (ytd only)* | 112.6904% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0082% | 6,177 |
| Loan loss allowance to noncurrent loans | 800.7634% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 5,613 |
| Noncurrent loans to loans | 0.1259% | 7,201 |
| Net loans and leases to total assets | 70.2016% | 3,648 |
| Net loans and leases to deposits | 81.2651% | 4,346 |
| Net loans and leases to core deposits | 109.3723% | 3,448 |
| Total domestic deposits to total assets | 86.3859% | 2,579 |
| Equity capital to assets | 8.8668% | 5,500 |
| Core capital (leverage) ratio | 8.6096% | 5,250 |
| Tier 1 risk-based capital ratio | 11.1526% | 5,727 |
| Total risk-based capital ratio | 12.0638% | 6,001 |
| Memoranda: | ||
| Average total assets | $145,962,670 | 4,070 |
| Average earning assets | $132,010,670 | 4,102 |
| Average equity | $13,160,330 | 4,504 |
| Average total loans | $102,400,670 | 3,959 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5515% | 781 |
| Cost of funding earning assets | 2.4219% | 2,198 |
| Net interest margin | 4.1296% | 2,167 |
| Noninterest income to average assets | 0.8710% | 1,980 |
| Noninterest expense to average assets | 3.3987% | 2,361 |
| Loan and lease loss provision to assets | 0.3105% | 3,480 |
| Net operating income to assets | 0.8517% | 2,904 |
| Return on assets (ROA) | 0.8517% | 3,059 |
| Pretax return on assets | 0.8957% | 3,734 |
| Return on Equity (ROE) | 9.3684% | 2,587 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,638 |
| Net charge-offs to loans | 0.3190% | 2,823 |
| Credit loss provision to net charge-offs | 139.5062% | 2,917 |
| Earnings coverage of net charge-offs (x) | 5.4198% | 2,680 |
| Efficiency ratio | 73.8067% | 3,860 |
| Assets per employee ($millions) | 2.7234% | 6,834 |
| Cash dividends to net income (ytd only)* | 100.0000% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 6,120 |
| Loan loss allowance to noncurrent loans | 1,801.7241% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 5,902 |
| Noncurrent loans to loans | 0.0560% | 7,376 |
| Net loans and leases to total assets | 68.4852% | 4,020 |
| Net loans and leases to deposits | 80.2814% | 4,565 |
| Net loans and leases to core deposits | 114.1373% | 2,997 |
| Total domestic deposits to total assets | 85.3065% | 3,061 |
| Equity capital to assets | 8.8105% | 5,607 |
| Core capital (leverage) ratio | 8.6521% | 5,251 |
| Tier 1 risk-based capital ratio | 11.2702% | 5,627 |
| Total risk-based capital ratio | 12.1821% | 5,872 |
| Memoranda: | ||
| Average total assets | $145,586,000 | 4,085 |
| Average earning assets | $131,634,000 | 4,114 |
| Average equity | $13,236,000 | 4,524 |
| Average total loans | $101,578,000 | 3,989 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8927% | 1,420 |
| Cost of funding earning assets | 2.6709% | 3,312 |
| Net interest margin | 4.2217% | 2,221 |
| Noninterest income to average assets | 0.9665% | 1,707 |
| Noninterest expense to average assets | 3.4172% | 2,622 |
| Loan and lease loss provision to assets | 0.3691% | 3,467 |
| Net operating income to assets | 0.9735% | 2,676 |
| Return on assets (ROA) | 0.9735% | 2,555 |
| Pretax return on assets | 1.0089% | 3,352 |
| Return on Equity (ROE) | 10.7916% | 1,972 |
| Retained earnings to average equity (ytd only) | 1.5999% | 4,255 |
| Net charge-offs to loans | 0.4018% | 2,803 |
| Credit loss provision to net charge-offs | 142.2460% | 3,725 |
| Earnings coverage of net charge-offs (x) | 5.3102% | 3,691 |
| Efficiency ratio | 71.2632% | 4,073 |
| Assets per employee ($millions) | 2.4377% | 7,332 |
| Cash dividends to net income (ytd only)* | 85.1746% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 5,867 |
| Loan loss allowance to noncurrent loans | 734.0580% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 5,359 |
| Noncurrent loans to loans | 0.1387% | 6,996 |
| Net loans and leases to total assets | 69.6792% | 4,092 |
| Net loans and leases to deposits | 82.7998% | 4,604 |
| Net loans and leases to core deposits | 117.8774% | 2,903 |
| Total domestic deposits to total assets | 84.1539% | 3,240 |
| Equity capital to assets | 9.3893% | 4,834 |
| Core capital (leverage) ratio | 8.8586% | 4,959 |
| Tier 1 risk-based capital ratio | 11.5502% | 5,198 |
| Total risk-based capital ratio | 12.4562% | 5,418 |
| Memoranda: | ||
| Average total assets | $144,123,200 | 4,004 |
| Average earning assets | $130,704,200 | 4,030 |
| Average equity | $13,000,800 | 4,577 |
| Average total loans | $93,078,400 | 4,130 |