Home > The Bank of Clovis > Performance and Condition Ratios
The Bank of Clovis, 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 | 5.4698% | 1,206 |
| Cost of funding earning assets | 1.4563% | 2,060 |
| Net interest margin | 4.0135% | 1,188 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.5432% | 2,177 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.2352% | 1,572 |
| Return on assets (ROA) | 1.1685% | 1,702 |
| Pretax return on assets | 1.5254% | 1,365 |
| Return on Equity (ROE) | 14.8300% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.3549% | 597 |
| Net charge-offs to loans | 0.0460% | 1,425 |
| Credit loss provision to net charge-offs | 389.6104% | 794 |
| Earnings coverage of net charge-offs (x) | 68.2857% | 1,107 |
| Efficiency ratio | 59.8350% | 3,095 |
| Assets per employee ($millions) | 9.5489% | 816 |
| Cash dividends to net income (ytd only)* | 16.6713% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 691 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.6400% | 3,377 |
| Net loans and leases to deposits | 66.8687% | 3,115 |
| Net loans and leases to core deposits | 74.7327% | 3,042 |
| Total domestic deposits to total assets | 80.2200% | 3,429 |
| Equity capital to assets | 8.9175% | 2,732 |
| Core capital (leverage) ratio | 10.5971% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6005% | 639 |
| Memoranda: | ||
| Average total assets | $307,993,600 | 2,391 |
| Average earning assets | $282,422,000 | 2,401 |
| Average equity | $24,273,800 | 2,562 |
| Average total loans | $167,397,600 | 2,542 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 1,291 |
| Cost of funding earning assets | 1.3095% | 2,125 |
| Net interest margin | 3.9923% | 1,231 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.4653% | 2,332 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2233% | 1,727 |
| Return on assets (ROA) | 1.1346% | 1,934 |
| Pretax return on assets | 1.4858% | 1,587 |
| Return on Equity (ROE) | 14.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 12.3301% | 919 |
| Net charge-offs to loans | 0.0469% | 1,218 |
| Credit loss provision to net charge-offs | 381.3559% | 741 |
| Earnings coverage of net charge-offs (x) | 66.5085% | 1,145 |
| Efficiency ratio | 59.2523% | 3,057 |
| Assets per employee ($millions) | 10.8821% | 516 |
| Cash dividends to net income (ytd only)* | 17.1363% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 848 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.7300% | 3,443 |
| Net loans and leases to deposits | 64.3664% | 3,241 |
| Net loans and leases to core deposits | 71.4546% | 3,135 |
| Total domestic deposits to total assets | 81.9200% | 3,229 |
| Equity capital to assets | 7.4232% | 3,399 |
| Core capital (leverage) ratio | 9.8498% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0939% | 692 |
| Memoranda: | ||
| Average total assets | $308,600,500 | 2,390 |
| Average earning assets | $283,974,000 | 2,390 |
| Average equity | $23,530,000 | 2,595 |
| Average total loans | $167,569,250 | 2,547 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0061% | 1,554 |
| Cost of funding earning assets | 1.1002% | 2,279 |
| Net interest margin | 3.9060% | 1,415 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.4782% | 2,267 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1705% | 1,905 |
| Return on assets (ROA) | 1.0363% | 2,293 |
| Pretax return on assets | 1.3609% | 1,914 |
| Return on Equity (ROE) | 13.4700% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.9231% | 1,198 |
| Net charge-offs to loans | -0.0311% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.3435% | 2,923 |
| Assets per employee ($millions) | 10.7922% | 535 |
| Cash dividends to net income (ytd only)* | 18.9036% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 902 |
| Loan loss allowance to noncurrent loans | 1,735.2201% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 3,303 |
| Noncurrent loans to loans | 0.0932% | 3,036 |
| Net loans and leases to total assets | 50.1600% | 3,550 |
| Net loans and leases to deposits | 62.7466% | 3,263 |
| Net loans and leases to core deposits | 69.6271% | 3,148 |
| Total domestic deposits to total assets | 79.9300% | 3,587 |
| Equity capital to assets | 7.1721% | 3,705 |
| Core capital (leverage) ratio | 10.4995% | 2,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4018% | 773 |
| Memoranda: | ||
| Average total assets | $306,274,000 | 2,403 |
| Average earning assets | $283,052,000 | 2,404 |
| Average equity | $23,564,667 | 2,594 |
| Average total loans | $167,040,333 | 2,542 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0013% | 1,227 |
| Cost of funding earning assets | 1.0009% | 2,045 |
| Net interest margin | 4.0005% | 1,264 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.5180% | 2,203 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.2289% | 1,858 |
| Return on assets (ROA) | 1.0201% | 2,434 |
| Pretax return on assets | 1.3419% | 2,051 |
| Return on Equity (ROE) | 12.7600% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.1929% | 1,650 |
| Net charge-offs to loans | -0.0702% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5724% | 3,005 |
| Assets per employee ($millions) | 10.0164% | 694 |
| Cash dividends to net income (ytd only)* | 20.1342% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 1,007 |
| Loan loss allowance to noncurrent loans | 1,679.3750% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 3,232 |
| Noncurrent loans to loans | 0.0952% | 3,071 |
| Net loans and leases to total assets | 56.9100% | 2,965 |
| Net loans and leases to deposits | 70.6682% | 2,559 |
| Net loans and leases to core deposits | 77.1147% | 2,449 |
| Total domestic deposits to total assets | 80.5300% | 3,701 |
| Equity capital to assets | 8.1387% | 3,151 |
| Core capital (leverage) ratio | 10.5815% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2857% | 810 |
| Memoranda: | ||
| Average total assets | $292,132,000 | 2,507 |
| Average earning assets | $269,369,500 | 2,510 |
| Average equity | $23,349,500 | 2,633 |
| Average total loans | $165,281,000 | 2,586 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3886% | 904 |
| Cost of funding earning assets | 0.4833% | 1,506 |
| Net interest margin | 3.9053% | 948 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.6435% | 1,696 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1212% | 2,083 |
| Return on assets (ROA) | 1.1212% | 2,025 |
| Pretax return on assets | 1.3406% | 1,956 |
| Return on Equity (ROE) | 12.8600% | 1,850 |
| Retained earnings to average equity (ytd only) | -0.4869% | 4,398 |
| Net charge-offs to loans | 0.0764% | 882 |
| Credit loss provision to net charge-offs | 231.0924% | 1,038 |
| Earnings coverage of net charge-offs (x) | 35.2269% | 1,581 |
| Efficiency ratio | 64.8204% | 2,386 |
| Assets per employee ($millions) | 10.4925% | 580 |
| Cash dividends to net income (ytd only)* | 103.7851% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 995 |
| Loan loss allowance to noncurrent loans | 1,556.0241% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,239 |
| Noncurrent loans to loans | 0.1021% | 3,037 |
| Net loans and leases to total assets | 54.4600% | 3,154 |
| Net loans and leases to deposits | 69.0934% | 2,663 |
| Net loans and leases to core deposits | 75.4348% | 2,467 |
| Total domestic deposits to total assets | 78.8200% | 4,018 |
| Equity capital to assets | 7.8485% | 3,153 |
| Core capital (leverage) ratio | 10.5208% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2601% | 799 |
| Memoranda: | ||
| Average total assets | $292,192,200 | 2,490 |
| Average earning assets | $272,912,200 | 2,479 |
| Average equity | $25,466,200 | 2,561 |
| Average total loans | $155,785,000 | 2,582 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 893 |
| Cost of funding earning assets | 0.4119% | 1,215 |
| Net interest margin | 3.7848% | 970 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 2.5013% | 2,014 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1570% | 1,871 |
| Return on assets (ROA) | 1.1570% | 1,845 |
| Pretax return on assets | 1.3795% | 1,780 |
| Return on Equity (ROE) | 12.9500% | 1,714 |
| Retained earnings to average equity (ytd only) | 3.4882% | 3,628 |
| Net charge-offs to loans | 0.0831% | 719 |
| Credit loss provision to net charge-offs | 208.3333% | 962 |
| Earnings coverage of net charge-offs (x) | 33.5313% | 1,467 |
| Efficiency ratio | 62.9702% | 2,691 |
| Assets per employee ($millions) | 9.3196% | 801 |
| Cash dividends to net income (ytd only)* | 73.0648% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 1,214 |
| Loan loss allowance to noncurrent loans | 1,480.1170% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,300 |
| Noncurrent loans to loans | 0.1035% | 3,139 |
| Net loans and leases to total assets | 56.2900% | 2,875 |
| Net loans and leases to deposits | 67.9620% | 2,535 |
| Net loans and leases to core deposits | 73.6532% | 2,373 |
| Total domestic deposits to total assets | 82.8300% | 3,719 |
| Equity capital to assets | 7.7166% | 3,079 |
| Core capital (leverage) ratio | 10.7387% | 1,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5015% | 788 |
| Memoranda: | ||
| Average total assets | $291,793,000 | 2,508 |
| Average earning assets | $273,227,750 | 2,492 |
| Average equity | $26,068,250 | 2,568 |
| Average total loans | $154,087,500 | 2,594 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 933 |
| Cost of funding earning assets | 0.3839% | 1,029 |
| Net interest margin | 3.6201% | 1,040 |
| Noninterest income to average assets | 0.4003% | 2,758 |
| Noninterest expense to average assets | 2.5188% | 1,867 |
| Loan and lease loss provision to assets | 0.0854% | 1,160 |
| Net operating income to assets | 1.0234% | 2,078 |
| Return on assets (ROA) | 1.0234% | 2,043 |
| Pretax return on assets | 1.1976% | 2,084 |
| Return on Equity (ROE) | 10.9638% | 1,992 |
| Retained earnings to average equity (ytd only) | -1.4784% | 4,341 |
| Net charge-offs to loans | 0.2247% | 288 |
| Credit loss provision to net charge-offs | 73.9645% | 1,416 |
| Earnings coverage of net charge-offs (x) | 11.1124% | 1,740 |
| Efficiency ratio | 66.2534% | 2,477 |
| Assets per employee ($millions) | 8.8810% | 929 |
| Cash dividends to net income (ytd only)* | 113.4846% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 1,421 |
| Loan loss allowance to noncurrent loans | 1,353.4091% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,400 |
| Noncurrent loans to loans | 0.1105% | 3,195 |
| Net loans and leases to total assets | 51.9574% | 3,158 |
| Net loans and leases to deposits | 61.1924% | 2,958 |
| Net loans and leases to core deposits | 65.9474% | 2,822 |
| Total domestic deposits to total assets | 84.9082% | 3,500 |
| Equity capital to assets | 7.6267% | 3,391 |
| Core capital (leverage) ratio | 9.9763% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5479% | 779 |
| Memoranda: | ||
| Average total assets | $292,754,667 | 2,519 |
| Average earning assets | $275,074,000 | 2,508 |
| Average equity | $27,326,333 | 2,566 |
| Average total loans | $150,395,333 | 2,639 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 915 |
| Cost of funding earning assets | 0.3769% | 1,013 |
| Net interest margin | 3.5304% | 1,027 |
| Noninterest income to average assets | 0.3915% | 2,750 |
| Noninterest expense to average assets | 2.5028% | 1,875 |
| Loan and lease loss provision to assets | 0.0694% | 1,180 |
| Net operating income to assets | 1.1216% | 1,468 |
| Return on assets (ROA) | 1.1216% | 1,460 |
| Pretax return on assets | 1.1480% | 1,990 |
| Return on Equity (ROE) | 10.9652% | 1,632 |
| Retained earnings to average equity (ytd only) | -10.0696% | 4,564 |
| Net charge-offs to loans | -0.0658% | 4,352 |
| Credit loss provision to net charge-offs | -208.3333% | 2,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2761% | 2,595 |
| Assets per employee ($millions) | 8.6142% | 1,057 |
| Cash dividends to net income (ytd only)* | 191.8317% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,123 |
| Loan loss allowance to noncurrent loans | 1,337.9679% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,420 |
| Noncurrent loans to loans | 0.1243% | 3,200 |
| Net loans and leases to total assets | 50.5140% | 3,126 |
| Net loans and leases to deposits | 60.5658% | 2,847 |
| Net loans and leases to core deposits | 65.5097% | 2,673 |
| Total domestic deposits to total assets | 83.4036% | 3,883 |
| Equity capital to assets | 9.3109% | 2,432 |
| Core capital (leverage) ratio | 10.5965% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5383% | 515 |
| Memoranda: | ||
| Average total assets | $288,155,500 | 2,560 |
| Average earning assets | $271,694,500 | 2,543 |
| Average equity | $29,475,000 | 2,513 |
| Average total loans | $145,958,500 | 2,679 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 1,163 |
| Cost of funding earning assets | 0.4118% | 1,458 |
| Net interest margin | 3.6849% | 1,250 |
| Noninterest income to average assets | 0.3868% | 3,124 |
| Noninterest expense to average assets | 2.3717% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2066% | 1,901 |
| Return on assets (ROA) | 1.2066% | 1,949 |
| Pretax return on assets | 1.4958% | 1,744 |
| Return on Equity (ROE) | 10.6630% | 2,285 |
| Retained earnings to average equity (ytd only) | 8.7190% | 1,274 |
| Net charge-offs to loans | 0.0693% | 1,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 43.8710% | 1,377 |
| Efficiency ratio | 61.3233% | 2,965 |
| Assets per employee ($millions) | 8.3361% | 1,150 |
| Cash dividends to net income (ytd only)* | 18.2315% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 1,017 |
| Loan loss allowance to noncurrent loans | 809.3333% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 2,487 |
| Noncurrent loans to loans | 0.2121% | 2,897 |
| Net loans and leases to total assets | 49.0566% | 3,401 |
| Net loans and leases to deposits | 60.1303% | 3,059 |
| Net loans and leases to core deposits | 65.0318% | 2,899 |
| Total domestic deposits to total assets | 81.5837% | 4,030 |
| Equity capital to assets | 11.1774% | 1,682 |
| Core capital (leverage) ratio | 11.0485% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3142% | 533 |
| Memoranda: | ||
| Average total assets | $272,757,600 | 2,583 |
| Average earning assets | $257,647,600 | 2,570 |
| Average equity | $30,863,800 | 2,483 |
| Average total loans | $134,208,000 | 2,794 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 1,175 |
| Cost of funding earning assets | 0.3879% | 1,794 |
| Net interest margin | 3.7694% | 1,182 |
| Noninterest income to average assets | 0.3826% | 3,194 |
| Noninterest expense to average assets | 2.3439% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3062% | 1,808 |
| Return on assets (ROA) | 1.3062% | 1,864 |
| Pretax return on assets | 1.5984% | 1,706 |
| Return on Equity (ROE) | 11.5067% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.7672% | 1,392 |
| Net charge-offs to loans | -0.0725% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4540% | 3,075 |
| Assets per employee ($millions) | 9.2321% | 827 |
| Cash dividends to net income (ytd only)* | 15.1172% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 843 |
| Loan loss allowance to noncurrent loans | 489.2453% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 2,789 |
| Noncurrent loans to loans | 0.3785% | 2,423 |
| Net loans and leases to total assets | 49.6236% | 3,450 |
| Net loans and leases to deposits | 59.6570% | 3,263 |
| Net loans and leases to core deposits | 64.5290% | 3,082 |
| Total domestic deposits to total assets | 83.1815% | 3,660 |
| Equity capital to assets | 11.4351% | 1,719 |
| Core capital (leverage) ratio | 11.0352% | 1,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4034% | 576 |
| Memoranda: | ||
| Average total assets | $270,090,000 | 2,622 |
| Average earning assets | $255,066,000 | 2,604 |
| Average equity | $30,659,750 | 2,522 |
| Average total loans | $132,393,000 | 2,863 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 990 |
| Cost of funding earning assets | 0.3899% | 1,968 |
| Net interest margin | 3.9205% | 936 |
| Noninterest income to average assets | 0.3749% | 3,241 |
| Noninterest expense to average assets | 2.3592% | 2,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4078% | 1,542 |
| Return on assets (ROA) | 1.4078% | 1,607 |
| Pretax return on assets | 1.7177% | 1,438 |
| Return on Equity (ROE) | 12.4329% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.4542% | 1,268 |
| Net charge-offs to loans | -0.1032% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8677% | 3,304 |
| Assets per employee ($millions) | 9.4867% | 718 |
| Cash dividends to net income (ytd only)* | 15.9151% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 746 |
| Loan loss allowance to noncurrent loans | 221.8696% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 1,890 |
| Noncurrent loans to loans | 0.8527% | 1,444 |
| Net loans and leases to total assets | 48.7631% | 3,661 |
| Net loans and leases to deposits | 58.7025% | 3,480 |
| Net loans and leases to core deposits | 63.3477% | 3,349 |
| Total domestic deposits to total assets | 83.0681% | 3,691 |
| Equity capital to assets | 11.2859% | 1,760 |
| Core capital (leverage) ratio | 10.8151% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,799,000 | 2,629 |
| Average earning assets | $252,879,000 | 2,614 |
| Average equity | $30,322,667 | 2,526 |
| Average total loans | $129,846,667 | 2,904 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 1,340 |
| Cost of funding earning assets | 0.3903% | 2,172 |
| Net interest margin | 3.7308% | 1,267 |
| Noninterest income to average assets | 0.3528% | 3,324 |
| Noninterest expense to average assets | 2.4335% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1797% | 2,235 |
| Return on assets (ROA) | 1.1797% | 2,304 |
| Pretax return on assets | 1.4371% | 2,179 |
| Return on Equity (ROE) | 10.4007% | 2,564 |
| Retained earnings to average equity (ytd only) | 9.0656% | 1,934 |
| Net charge-offs to loans | -0.0823% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8717% | 2,623 |
| Assets per employee ($millions) | 8.9687% | 847 |
| Cash dividends to net income (ytd only)* | 12.8370% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 651 |
| Loan loss allowance to noncurrent loans | 417.5410% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 3,019 |
| Noncurrent loans to loans | 0.4685% | 2,448 |
| Net loans and leases to total assets | 47.4415% | 3,863 |
| Net loans and leases to deposits | 56.9347% | 3,724 |
| Net loans and leases to core deposits | 61.5648% | 3,606 |
| Total domestic deposits to total assets | 83.3260% | 3,610 |
| Equity capital to assets | 11.0890% | 1,796 |
| Core capital (leverage) ratio | 10.9762% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0662% | 508 |
| Memoranda: | ||
| Average total assets | $264,141,500 | 2,634 |
| Average earning assets | $249,061,500 | 2,620 |
| Average equity | $29,959,500 | 2,549 |
| Average total loans | $126,399,500 | 2,941 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 1,240 |
| Cost of funding earning assets | 0.5179% | 2,824 |
| Net interest margin | 4.0109% | 951 |
| Noninterest income to average assets | 0.3911% | 3,143 |
| Noninterest expense to average assets | 2.6152% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.3088% | 1,224 |
| Return on assets (ROA) | 1.3088% | 1,330 |
| Pretax return on assets | 1.5344% | 1,235 |
| Return on Equity (ROE) | 10.7423% | 1,727 |
| Retained earnings to average equity (ytd only) | 3.8979% | 2,877 |
| Net charge-offs to loans | -0.3794% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0225% | 2,972 |
| Assets per employee ($millions) | 8.9387% | 755 |
| Cash dividends to net income (ytd only)* | 63.7146% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0562% | 527 |
| Loan loss allowance to noncurrent loans | 433.9071% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,162 |
| Noncurrent loans to loans | 0.4739% | 2,551 |
| Net loans and leases to total assets | 46.3250% | 4,106 |
| Net loans and leases to deposits | 56.1678% | 3,983 |
| Net loans and leases to core deposits | 60.8691% | 3,896 |
| Total domestic deposits to total assets | 82.4761% | 3,545 |
| Equity capital to assets | 11.6051% | 1,806 |
| Core capital (leverage) ratio | 11.3609% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9033% | 447 |
| Memoranda: | ||
| Average total assets | $239,830,200 | 2,657 |
| Average earning assets | $224,737,400 | 2,636 |
| Average equity | $29,220,800 | 2,524 |
| Average total loans | $122,050,000 | 2,958 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 1,259 |
| Cost of funding earning assets | 0.5549% | 2,900 |
| Net interest margin | 4.0614% | 974 |
| Noninterest income to average assets | 0.3904% | 3,126 |
| Noninterest expense to average assets | 2.4342% | 3,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4804% | 943 |
| Return on assets (ROA) | 1.4804% | 1,028 |
| Pretax return on assets | 1.7561% | 857 |
| Return on Equity (ROE) | 11.9929% | 1,366 |
| Retained earnings to average equity (ytd only) | 9.9244% | 783 |
| Net charge-offs to loans | -0.4397% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0907% | 3,652 |
| Assets per employee ($millions) | 8.5748% | 819 |
| Cash dividends to net income (ytd only)* | 17.2480% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 577 |
| Loan loss allowance to noncurrent loans | 309.6977% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 2,870 |
| Noncurrent loans to loans | 0.6162% | 2,263 |
| Net loans and leases to total assets | 50.8308% | 4,047 |
| Net loans and leases to deposits | 61.9780% | 3,934 |
| Net loans and leases to core deposits | 67.4711% | 3,795 |
| Total domestic deposits to total assets | 82.0143% | 3,416 |
| Equity capital to assets | 12.4498% | 1,448 |
| Core capital (leverage) ratio | 11.6355% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1800% | 399 |
| Memoranda: | ||
| Average total assets | $234,982,000 | 2,673 |
| Average earning assets | $219,855,250 | 2,656 |
| Average equity | $29,005,250 | 2,529 |
| Average total loans | $121,911,000 | 2,971 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 1,159 |
| Cost of funding earning assets | 0.5987% | 2,972 |
| Net interest margin | 4.2078% | 903 |
| Noninterest income to average assets | 0.3880% | 3,155 |
| Noninterest expense to average assets | 2.4807% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5554% | 839 |
| Return on assets (ROA) | 1.5554% | 910 |
| Pretax return on assets | 1.8358% | 761 |
| Return on Equity (ROE) | 12.6402% | 1,181 |
| Retained earnings to average equity (ytd only) | 10.8768% | 622 |
| Net charge-offs to loans | -0.5485% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4703% | 3,758 |
| Assets per employee ($millions) | 8.4206% | 834 |
| Cash dividends to net income (ytd only)* | 13.9509% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 550 |
| Loan loss allowance to noncurrent loans | 187.2057% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 2,159 |
| Noncurrent loans to loans | 1.0059% | 1,544 |
| Net loans and leases to total assets | 49.1911% | 4,196 |
| Net loans and leases to deposits | 59.5212% | 4,139 |
| Net loans and leases to core deposits | 69.0175% | 3,785 |
| Total domestic deposits to total assets | 82.6446% | 3,193 |
| Equity capital to assets | 11.9757% | 1,679 |
| Core capital (leverage) ratio | 11.8072% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1578% | 331 |
| Memoranda: | ||
| Average total assets | $230,419,333 | 2,681 |
| Average earning assets | $215,125,000 | 2,668 |
| Average equity | $28,354,000 | 2,562 |
| Average total loans | $119,594,667 | 2,986 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7329% | 1,608 |
| Cost of funding earning assets | 0.6694% | 3,060 |
| Net interest margin | 4.0635% | 1,215 |
| Noninterest income to average assets | 0.4450% | 2,816 |
| Noninterest expense to average assets | 2.5625% | 3,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3660% | 1,065 |
| Return on assets (ROA) | 1.3660% | 1,145 |
| Pretax return on assets | 1.6688% | 911 |
| Return on Equity (ROE) | 10.9325% | 1,432 |
| Retained earnings to average equity (ytd only) | 9.4729% | 854 |
| Net charge-offs to loans | -0.1689% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5603% | 3,670 |
| Assets per employee ($millions) | 7.0907% | 1,060 |
| Cash dividends to net income (ytd only)* | 13.3511% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 719 |
| Loan loss allowance to noncurrent loans | 225.2406% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 2,808 |
| Noncurrent loans to loans | 0.7964% | 2,017 |
| Net loans and leases to total assets | 50.8107% | 4,193 |
| Net loans and leases to deposits | 61.6368% | 4,120 |
| Net loans and leases to core deposits | 72.7742% | 3,714 |
| Total domestic deposits to total assets | 82.4357% | 3,282 |
| Equity capital to assets | 11.9734% | 2,089 |
| Core capital (leverage) ratio | 12.5491% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8264% | 362 |
| Memoranda: | ||
| Average total assets | $219,319,500 | 2,714 |
| Average earning assets | $204,356,500 | 2,709 |
| Average equity | $27,404,500 | 2,611 |
| Average total loans | $116,066,500 | 2,999 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 1,744 |
| Cost of funding earning assets | 0.6810% | 3,258 |
| Net interest margin | 4.2204% | 1,277 |
| Noninterest income to average assets | 0.4435% | 3,039 |
| Noninterest expense to average assets | 2.8368% | 2,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2598% | 1,837 |
| Return on assets (ROA) | 1.2598% | 1,922 |
| Pretax return on assets | 1.5135% | 1,766 |
| Return on Equity (ROE) | 9.8132% | 2,384 |
| Retained earnings to average equity (ytd only) | 7.5150% | 1,164 |
| Net charge-offs to loans | 0.0018% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1,539.0000% | 54 |
| Efficiency ratio | 65.2085% | 2,891 |
| Assets per employee ($millions) | 6.2275% | 1,466 |
| Cash dividends to net income (ytd only)* | 23.4192% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 671 |
| Loan loss allowance to noncurrent loans | 291.7730% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,091 |
| Noncurrent loans to loans | 0.6145% | 2,349 |
| Net loans and leases to total assets | 53.2167% | 4,132 |
| Net loans and leases to deposits | 65.6779% | 3,972 |
| Net loans and leases to core deposits | 75.3101% | 3,622 |
| Total domestic deposits to total assets | 81.0268% | 3,765 |
| Equity capital to assets | 13.0545% | 1,483 |
| Core capital (leverage) ratio | 12.8569% | 1,306 |
| Tier 1 risk-based capital ratio | 25.9446% | 684 |
| Total risk-based capital ratio | 27.2035% | 662 |
| Memoranda: | ||
| Average total assets | $203,364,000 | 2,814 |
| Average earning assets | $188,250,800 | 2,815 |
| Average equity | $26,107,800 | 2,623 |
| Average total loans | $110,350,600 | 3,079 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 1,797 |
| Cost of funding earning assets | 0.6884% | 3,268 |
| Net interest margin | 4.2195% | 1,328 |
| Noninterest income to average assets | 0.4418% | 3,068 |
| Noninterest expense to average assets | 2.7524% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3136% | 1,796 |
| Return on assets (ROA) | 1.3136% | 1,873 |
| Pretax return on assets | 1.5912% | 1,666 |
| Return on Equity (ROE) | 10.2779% | 2,319 |
| Retained earnings to average equity (ytd only) | 7.1681% | 1,776 |
| Net charge-offs to loans | 0.1025% | 1,446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 28.5946% | 1,680 |
| Efficiency ratio | 63.3674% | 3,101 |
| Assets per employee ($millions) | 6.6985% | 1,162 |
| Cash dividends to net income (ytd only)* | 30.2572% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 680 |
| Loan loss allowance to noncurrent loans | 215.5022% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4411% | 2,761 |
| Noncurrent loans to loans | 0.8347% | 1,904 |
| Net loans and leases to total assets | 51.8942% | 4,321 |
| Net loans and leases to deposits | 63.5095% | 4,208 |
| Net loans and leases to core deposits | 72.7771% | 3,903 |
| Total domestic deposits to total assets | 81.7110% | 3,557 |
| Equity capital to assets | 13.0120% | 1,617 |
| Core capital (leverage) ratio | 13.1269% | 1,288 |
| Tier 1 risk-based capital ratio | 26.1523% | 696 |
| Total risk-based capital ratio | 27.4105% | 685 |
| Memoranda: | ||
| Average total assets | $201,271,000 | 2,848 |
| Average earning assets | $186,116,250 | 2,857 |
| Average equity | $25,724,500 | 2,665 |
| Average total loans | $109,254,250 | 3,134 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 1,706 |
| Cost of funding earning assets | 0.6896% | 3,222 |
| Net interest margin | 4.2269% | 1,295 |
| Noninterest income to average assets | 0.4429% | 2,999 |
| Noninterest expense to average assets | 2.8522% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2393% | 2,012 |
| Return on assets (ROA) | 1.2393% | 2,062 |
| Pretax return on assets | 1.4934% | 1,874 |
| Return on Equity (ROE) | 9.7578% | 2,503 |
| Retained earnings to average equity (ytd only) | 7.3855% | 1,659 |
| Net charge-offs to loans | 0.1962% | 842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 13.8972% | 2,068 |
| Efficiency ratio | 65.6344% | 2,865 |
| Assets per employee ($millions) | 6.3988% | 1,285 |
| Cash dividends to net income (ytd only)* | 24.3112% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 752 |
| Loan loss allowance to noncurrent loans | 296.0546% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 3,205 |
| Noncurrent loans to loans | 0.5911% | 2,499 |
| Net loans and leases to total assets | 55.2170% | 4,122 |
| Net loans and leases to deposits | 67.8852% | 3,976 |
| Net loans and leases to core deposits | 78.3342% | 3,551 |
| Total domestic deposits to total assets | 81.3388% | 3,712 |
| Equity capital to assets | 13.3351% | 1,418 |
| Core capital (leverage) ratio | 12.8572% | 1,373 |
| Tier 1 risk-based capital ratio | 22.8401% | 960 |
| Total risk-based capital ratio | 24.0957% | 936 |
| Memoranda: | ||
| Average total assets | $199,143,000 | 2,880 |
| Average earning assets | $183,870,670 | 2,881 |
| Average equity | $25,292,670 | 2,691 |
| Average total loans | $109,094,000 | 3,153 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 2,206 |
| Cost of funding earning assets | 0.6416% | 3,352 |
| Net interest margin | 4.0639% | 1,656 |
| Noninterest income to average assets | 0.4330% | 2,956 |
| Noninterest expense to average assets | 2.8687% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1607% | 2,214 |
| Return on assets (ROA) | 1.1607% | 2,267 |
| Pretax return on assets | 1.3231% | 2,368 |
| Return on Equity (ROE) | 9.3716% | 2,641 |
| Retained earnings to average equity (ytd only) | 6.9437% | 2,065 |
| Net charge-offs to loans | -0.1260% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4362% | 2,577 |
| Assets per employee ($millions) | 6.5489% | 1,218 |
| Cash dividends to net income (ytd only)* | 25.9067% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 549 |
| Loan loss allowance to noncurrent loans | 847.3684% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 4,195 |
| Noncurrent loans to loans | 0.2303% | 3,753 |
| Net loans and leases to total assets | 51.7920% | 4,351 |
| Net loans and leases to deposits | 62.5932% | 4,267 |
| Net loans and leases to core deposits | 71.7417% | 3,964 |
| Total domestic deposits to total assets | 82.7437% | 3,486 |
| Equity capital to assets | 12.4438% | 1,772 |
| Core capital (leverage) ratio | 12.8523% | 1,340 |
| Tier 1 risk-based capital ratio | 23.2239% | 912 |
| Total risk-based capital ratio | 24.4814% | 891 |
| Memoranda: | ||
| Average total assets | $199,533,000 | 2,904 |
| Average earning assets | $184,550,000 | 2,906 |
| Average equity | $24,713,000 | 2,743 |
| Average total loans | $107,900,500 | 3,198 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6094% | 2,113 |
| Cost of funding earning assets | 0.4580% | 3,627 |
| Net interest margin | 4.1514% | 1,527 |
| Noninterest income to average assets | 0.6978% | 1,861 |
| Noninterest expense to average assets | 2.6909% | 3,054 |
| Loan and lease loss provision to assets | 0.1523% | 1,394 |
| Net operating income to assets | 1.4690% | 1,207 |
| Return on assets (ROA) | 1.4266% | 1,340 |
| Pretax return on assets | 1.6337% | 1,365 |
| Return on Equity (ROE) | 12.2085% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.6026% | 709 |
| Net charge-offs to loans | 0.0133% | 3,235 |
| Credit loss provision to net charge-offs | 2,142.8571% | 210 |
| Earnings coverage of net charge-offs (x) | 258.2143% | 372 |
| Efficiency ratio | 59.4595% | 3,952 |
| Assets per employee ($millions) | 6.1266% | 1,438 |
| Cash dividends to net income (ytd only)* | 21.3447% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8957% | 580 |
| Loan loss allowance to noncurrent loans | 1,774.1379% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 4,545 |
| Noncurrent loans to loans | 0.1069% | 4,252 |
| Net loans and leases to total assets | 54.3249% | 4,255 |
| Net loans and leases to deposits | 66.2462% | 4,100 |
| Net loans and leases to core deposits | 72.6608% | 3,947 |
| Total domestic deposits to total assets | 82.0046% | 3,640 |
| Equity capital to assets | 12.3249% | 1,680 |
| Core capital (leverage) ratio | 12.9307% | 1,277 |
| Tier 1 risk-based capital ratio | 25.9423% | 669 |
| Total risk-based capital ratio | 27.2027% | 655 |
| Memoranda: | ||
| Average total assets | $197,035,200 | 2,899 |
| Average earning assets | $181,672,200 | 2,900 |
| Average equity | $23,025,000 | 2,818 |
| Average total loans | $105,527,400 | 3,209 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 2,178 |
| Cost of funding earning assets | 0.4236% | 3,703 |
| Net interest margin | 4.1091% | 1,599 |
| Noninterest income to average assets | 0.7698% | 1,581 |
| Noninterest expense to average assets | 2.5952% | 3,295 |
| Loan and lease loss provision to assets | 0.1521% | 1,297 |
| Net operating income to assets | 1.4867% | 1,229 |
| Return on assets (ROA) | 1.4334% | 1,379 |
| Pretax return on assets | 1.7470% | 1,154 |
| Return on Equity (ROE) | 12.4357% | 1,625 |
| Retained earnings to average equity (ytd only) | 8.9178% | 1,253 |
| Net charge-offs to loans | -0.0394% | 4,846 |
| Credit loss provision to net charge-offs | -725.8065% | 4,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9226% | 4,261 |
| Assets per employee ($millions) | 6.6154% | 1,130 |
| Cash dividends to net income (ytd only)* | 28.2885% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 635 |
| Loan loss allowance to noncurrent loans | 1,439.0071% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 3,964 |
| Noncurrent loans to loans | 0.1300% | 4,301 |
| Net loans and leases to total assets | 53.6136% | 4,385 |
| Net loans and leases to deposits | 66.2838% | 4,178 |
| Net loans and leases to core deposits | 72.2114% | 4,068 |
| Total domestic deposits to total assets | 80.8849% | 3,898 |
| Equity capital to assets | 11.7076% | 2,096 |
| Core capital (leverage) ratio | 12.5758% | 1,461 |
| Tier 1 risk-based capital ratio | 25.3782% | 720 |
| Total risk-based capital ratio | 26.6386% | 705 |
| Memoranda: | ||
| Average total assets | $197,281,500 | 2,922 |
| Average earning assets | $181,932,250 | 2,923 |
| Average equity | $22,740,500 | 2,852 |
| Average total loans | $104,768,750 | 3,248 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 2,148 |
| Cost of funding earning assets | 0.4070% | 3,670 |
| Net interest margin | 4.0765% | 1,625 |
| Noninterest income to average assets | 0.4409% | 3,214 |
| Noninterest expense to average assets | 2.5923% | 3,349 |
| Loan and lease loss provision to assets | 0.1524% | 1,240 |
| Net operating income to assets | 1.2342% | 2,041 |
| Return on assets (ROA) | 1.2342% | 2,037 |
| Pretax return on assets | 1.4607% | 1,955 |
| Return on Equity (ROE) | 10.7638% | 2,202 |
| Retained earnings to average equity (ytd only) | 8.1061% | 1,581 |
| Net charge-offs to loans | -0.0715% | 5,044 |
| Credit loss provision to net charge-offs | -405.4054% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6425% | 3,674 |
| Assets per employee ($millions) | 6.1575% | 1,362 |
| Cash dividends to net income (ytd only)* | 24.6914% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8462% | 690 |
| Loan loss allowance to noncurrent loans | 920.1878% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2420% | 3,797 |
| Noncurrent loans to loans | 0.2006% | 4,005 |
| Net loans and leases to total assets | 54.5900% | 4,287 |
| Net loans and leases to deposits | 65.9941% | 4,165 |
| Net loans and leases to core deposits | 71.9826% | 4,007 |
| Total domestic deposits to total assets | 82.7196% | 3,489 |
| Equity capital to assets | 11.9624% | 1,878 |
| Core capital (leverage) ratio | 12.1748% | 1,602 |
| Tier 1 risk-based capital ratio | 25.3675% | 707 |
| Total risk-based capital ratio | 26.6275% | 694 |
| Memoranda: | ||
| Average total assets | $196,888,330 | 2,935 |
| Average earning assets | $181,820,670 | 2,941 |
| Average equity | $22,575,670 | 2,875 |
| Average total loans | $103,548,000 | 3,273 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 2,344 |
| Cost of funding earning assets | 0.3959% | 3,617 |
| Net interest margin | 3.9566% | 1,854 |
| Noninterest income to average assets | 0.4302% | 3,238 |
| Noninterest expense to average assets | 2.6234% | 3,264 |
| Loan and lease loss provision to assets | 0.1501% | 1,212 |
| Net operating income to assets | 1.1506% | 2,215 |
| Return on assets (ROA) | 1.1506% | 2,225 |
| Pretax return on assets | 1.3167% | 2,300 |
| Return on Equity (ROE) | 10.2466% | 2,304 |
| Retained earnings to average equity (ytd only) | 7.5736% | 2,001 |
| Net charge-offs to loans | 0.0939% | 1,236 |
| Credit loss provision to net charge-offs | 312.5000% | 791 |
| Earnings coverage of net charge-offs (x) | 30.5417% | 1,226 |
| Efficiency ratio | 64.1389% | 3,461 |
| Assets per employee ($millions) | 6.9588% | 975 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 832 |
| Loan loss allowance to noncurrent loans | 353.9806% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 3,844 |
| Noncurrent loans to loans | 0.4990% | 3,021 |
| Net loans and leases to total assets | 50.2349% | 4,542 |
| Net loans and leases to deposits | 59.8440% | 4,481 |
| Net loans and leases to core deposits | 66.5658% | 4,278 |
| Total domestic deposits to total assets | 83.9430% | 3,348 |
| Equity capital to assets | 11.0740% | 2,509 |
| Core capital (leverage) ratio | 11.7948% | 1,781 |
| Tier 1 risk-based capital ratio | 25.6590% | 710 |
| Total risk-based capital ratio | 26.9186% | 693 |
| Memoranda: | ||
| Average total assets | $199,892,000 | 2,933 |
| Average earning assets | $184,905,500 | 2,942 |
| Average equity | $22,446,500 | 2,915 |
| Average total loans | $102,241,000 | 3,319 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2913% | 2,356 |
| Cost of funding earning assets | 0.3468% | 3,744 |
| Net interest margin | 3.9445% | 1,938 |
| Noninterest income to average assets | 0.4181% | 3,517 |
| Noninterest expense to average assets | 2.5755% | 3,523 |
| Loan and lease loss provision to assets | 0.3048% | 563 |
| Net operating income to assets | 0.7935% | 3,193 |
| Return on assets (ROA) | 0.7884% | 3,253 |
| Pretax return on assets | 1.1765% | 2,866 |
| Return on Equity (ROE) | 6.8430% | 3,357 |
| Retained earnings to average equity (ytd only) | 0.8907% | 4,676 |
| Net charge-offs to loans | 0.4643% | 514 |
| Credit loss provision to net charge-offs | 130.7190% | 2,011 |
| Earnings coverage of net charge-offs (x) | 6.3856% | 3,190 |
| Efficiency ratio | 63.3671% | 3,701 |
| Assets per employee ($millions) | 6.5993% | 1,149 |
| Cash dividends to net income (ytd only)* | 86.9845% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7506% | 861 |
| Loan loss allowance to noncurrent loans | 356.0241% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,879 |
| Noncurrent loans to loans | 0.4917% | 3,045 |
| Net loans and leases to total assets | 50.2627% | 4,631 |
| Net loans and leases to deposits | 60.2818% | 4,548 |
| Net loans and leases to core deposits | 67.2790% | 4,341 |
| Total domestic deposits to total assets | 83.3795% | 3,432 |
| Equity capital to assets | 11.3876% | 2,297 |
| Core capital (leverage) ratio | 11.6574% | 1,825 |
| Tier 1 risk-based capital ratio | 25.4122% | 692 |
| Total risk-based capital ratio | 26.6714% | 685 |
| Memoranda: | ||
| Average total assets | $196,857,200 | 2,950 |
| Average earning assets | $181,974,000 | 2,941 |
| Average equity | $22,680,000 | 2,887 |
| Average total loans | $98,852,000 | 3,373 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 2,362 |
| Cost of funding earning assets | 0.3256% | 3,887 |
| Net interest margin | 3.9439% | 1,880 |
| Noninterest income to average assets | 0.4137% | 3,599 |
| Noninterest expense to average assets | 2.5733% | 3,494 |
| Loan and lease loss provision to assets | 0.3052% | 509 |
| Net operating income to assets | 0.9496% | 2,781 |
| Return on assets (ROA) | 0.9414% | 2,886 |
| Pretax return on assets | 1.1727% | 3,012 |
| Return on Equity (ROE) | 8.1476% | 3,050 |
| Retained earnings to average equity (ytd only) | 1.1036% | 4,948 |
| Net charge-offs to loans | 0.1574% | 1,297 |
| Credit loss provision to net charge-offs | 387.9310% | 786 |
| Earnings coverage of net charge-offs (x) | 18.9141% | 2,023 |
| Efficiency ratio | 63.3601% | 3,659 |
| Assets per employee ($millions) | 6.2423% | 1,350 |
| Cash dividends to net income (ytd only)* | 86.4554% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 681 |
| Loan loss allowance to noncurrent loans | 210.9442% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 3,125 |
| Noncurrent loans to loans | 0.9070% | 2,117 |
| Net loans and leases to total assets | 52.0826% | 4,560 |
| Net loans and leases to deposits | 62.6923% | 4,462 |
| Net loans and leases to core deposits | 70.1691% | 4,231 |
| Total domestic deposits to total assets | 83.0765% | 3,433 |
| Equity capital to assets | 11.8649% | 2,060 |
| Core capital (leverage) ratio | 11.8118% | 1,812 |
| Tier 1 risk-based capital ratio | 25.3344% | 719 |
| Total risk-based capital ratio | 26.5960% | 709 |
| Memoranda: | ||
| Average total assets | $196,577,000 | 2,979 |
| Average earning assets | $181,812,000 | 2,970 |
| Average equity | $22,713,750 | 2,908 |
| Average total loans | $98,244,500 | 3,407 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 2,491 |
| Cost of funding earning assets | 0.2962% | 4,116 |
| Net interest margin | 3.8988% | 1,931 |
| Noninterest income to average assets | 0.4059% | 3,654 |
| Noninterest expense to average assets | 2.6033% | 3,424 |
| Loan and lease loss provision to assets | 0.3036% | 502 |
| Net operating income to assets | 0.9390% | 2,724 |
| Return on assets (ROA) | 0.9261% | 2,830 |
| Pretax return on assets | 1.0941% | 3,208 |
| Return on Equity (ROE) | 8.0860% | 2,974 |
| Retained earnings to average equity (ytd only) | 4.5511% | 3,000 |
| Net charge-offs to loans | 0.1675% | 1,160 |
| Credit loss provision to net charge-offs | 370.3704% | 838 |
| Earnings coverage of net charge-offs (x) | 17.2346% | 1,935 |
| Efficiency ratio | 64.8185% | 3,532 |
| Assets per employee ($millions) | 6.2234% | 1,304 |
| Cash dividends to net income (ytd only)* | 43.7158% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8567% | 782 |
| Loan loss allowance to noncurrent loans | 219.8337% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 3,307 |
| Noncurrent loans to loans | 0.8446% | 2,294 |
| Net loans and leases to total assets | 52.4046% | 4,530 |
| Net loans and leases to deposits | 61.7835% | 4,516 |
| Net loans and leases to core deposits | 67.2211% | 4,402 |
| Total domestic deposits to total assets | 84.8197% | 2,882 |
| Equity capital to assets | 12.4985% | 1,624 |
| Core capital (leverage) ratio | 11.8813% | 1,706 |
| Tier 1 risk-based capital ratio | 26.1405% | 660 |
| Total risk-based capital ratio | 27.4005% | 641 |
| Memoranda: | ||
| Average total assets | $197,598,670 | 2,989 |
| Average earning assets | $182,978,670 | 2,974 |
| Average equity | $22,631,670 | 2,918 |
| Average total loans | $96,742,000 | 3,441 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 2,904 |
| Cost of funding earning assets | 0.2835% | 4,218 |
| Net interest margin | 3.7559% | 2,276 |
| Noninterest income to average assets | 0.3723% | 3,864 |
| Noninterest expense to average assets | 2.5176% | 3,756 |
| Loan and lease loss provision to assets | 0.2955% | 468 |
| Net operating income to assets | 0.8336% | 3,065 |
| Return on assets (ROA) | 0.8097% | 3,238 |
| Pretax return on assets | 1.0008% | 3,366 |
| Return on Equity (ROE) | 7.3788% | 3,220 |
| Retained earnings to average equity (ytd only) | 2.8905% | 3,972 |
| Net charge-offs to loans | 0.3737% | 488 |
| Credit loss provision to net charge-offs | 168.5393% | 1,130 |
| Earnings coverage of net charge-offs (x) | 7.5618% | 2,124 |
| Efficiency ratio | 65.5049% | 3,576 |
| Assets per employee ($millions) | 6.5751% | 1,148 |
| Cash dividends to net income (ytd only)* | 60.8273% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 1,089 |
| Loan loss allowance to noncurrent loans | 160.1703% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 3,085 |
| Noncurrent loans to loans | 1.0804% | 1,896 |
| Net loans and leases to total assets | 48.7407% | 4,768 |
| Net loans and leases to deposits | 56.5680% | 4,781 |
| Net loans and leases to core deposits | 61.2626% | 4,705 |
| Total domestic deposits to total assets | 86.1630% | 2,599 |
| Equity capital to assets | 11.3737% | 2,283 |
| Core capital (leverage) ratio | 11.2814% | 2,118 |
| Tier 1 risk-based capital ratio | 25.6535% | 713 |
| Total risk-based capital ratio | 26.9113% | 698 |
| Memoranda: | ||
| Average total assets | $203,046,500 | 2,959 |
| Average earning assets | $187,651,500 | 2,964 |
| Average equity | $22,280,000 | 2,960 |
| Average total loans | $95,267,000 | 3,492 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9820% | 3,261 |
| Cost of funding earning assets | 0.3494% | 3,525 |
| Net interest margin | 3.6326% | 2,950 |
| Noninterest income to average assets | 0.3793% | 4,038 |
| Noninterest expense to average assets | 2.4121% | 4,275 |
| Loan and lease loss provision to assets | 0.2885% | 665 |
| Net operating income to assets | 0.8261% | 3,179 |
| Return on assets (ROA) | 0.8279% | 3,274 |
| Pretax return on assets | 1.0654% | 3,238 |
| Return on Equity (ROE) | 7.6684% | 3,133 |
| Retained earnings to average equity (ytd only) | 4.3285% | 2,821 |
| Net charge-offs to loans | 0.8474% | 232 |
| Credit loss provision to net charge-offs | 78.3290% | 2,998 |
| Earnings coverage of net charge-offs (x) | 3.6697% | 3,624 |
| Efficiency ratio | 64.0904% | 3,923 |
| Assets per employee ($millions) | 6.9613% | 939 |
| Cash dividends to net income (ytd only)* | 43.5540% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 1,017 |
| Loan loss allowance to noncurrent loans | 146.2366% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 1.2407% | 1,443 |
| Noncurrent loans to loans | 1.2039% | 1,712 |
| Net loans and leases to total assets | 43.6058% | 5,138 |
| Net loans and leases to deposits | 50.3027% | 5,199 |
| Net loans and leases to core deposits | 54.3408% | 5,134 |
| Total domestic deposits to total assets | 86.6869% | 2,293 |
| Equity capital to assets | 10.5943% | 3,048 |
| Core capital (leverage) ratio | 10.7235% | 2,626 |
| Tier 1 risk-based capital ratio | 25.2660% | 748 |
| Total risk-based capital ratio | 26.5235% | 735 |
| Memoranda: | ||
| Average total assets | $207,988,800 | 2,877 |
| Average earning assets | $193,772,200 | 2,861 |
| Average equity | $22,455,800 | 2,946 |
| Average total loans | $90,389,800 | 3,568 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 3,304 |
| Cost of funding earning assets | 0.3661% | 3,374 |
| Net interest margin | 3.6119% | 3,025 |
| Noninterest income to average assets | 0.3844% | 4,031 |
| Noninterest expense to average assets | 2.3871% | 4,315 |
| Loan and lease loss provision to assets | 0.2888% | 599 |
| Net operating income to assets | 0.8049% | 3,343 |
| Return on assets (ROA) | 0.8073% | 3,476 |
| Pretax return on assets | 1.0858% | 3,289 |
| Return on Equity (ROE) | 7.4419% | 3,328 |
| Retained earnings to average equity (ytd only) | 3.0052% | 4,111 |
| Net charge-offs to loans | 1.0362% | 161 |
| Credit loss provision to net charge-offs | 64.4699% | 2,861 |
| Earnings coverage of net charge-offs (x) | 3.0616% | 3,473 |
| Efficiency ratio | 63.5137% | 4,002 |
| Assets per employee ($millions) | 6.9822% | 898 |
| Cash dividends to net income (ytd only)* | 59.6188% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 1,224 |
| Loan loss allowance to noncurrent loans | 132.2526% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 2,974 |
| Noncurrent loans to loans | 1.2857% | 1,736 |
| Net loans and leases to total assets | 42.7800% | 5,262 |
| Net loans and leases to deposits | 49.3252% | 5,334 |
| Net loans and leases to core deposits | 53.4918% | 5,242 |
| Total domestic deposits to total assets | 86.7306% | 2,012 |
| Equity capital to assets | 11.0223% | 2,986 |
| Core capital (leverage) ratio | 10.8841% | 2,589 |
| Tier 1 risk-based capital ratio | 26.2361% | 696 |
| Total risk-based capital ratio | 27.4940% | 679 |
| Memoranda: | ||
| Average total assets | $207,776,250 | 2,893 |
| Average earning assets | $194,096,000 | 2,866 |
| Average equity | $22,538,500 | 2,962 |
| Average total loans | $89,812,750 | 3,598 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,024 |
| Cost of funding earning assets | 0.3763% | 3,289 |
| Net interest margin | 3.6845% | 2,756 |
| Noninterest income to average assets | 0.3841% | 3,996 |
| Noninterest expense to average assets | 2.4168% | 4,284 |
| Loan and lease loss provision to assets | 0.2896% | 632 |
| Net operating income to assets | 0.7861% | 3,379 |
| Return on assets (ROA) | 0.7895% | 3,502 |
| Pretax return on assets | 1.1225% | 3,114 |
| Return on Equity (ROE) | 7.3182% | 3,361 |
| Retained earnings to average equity (ytd only) | 0.6084% | 5,125 |
| Net charge-offs to loans | 1.0564% | 165 |
| Credit loss provision to net charge-offs | 63.5593% | 2,536 |
| Earnings coverage of net charge-offs (x) | 3.0890% | 3,169 |
| Efficiency ratio | 63.2004% | 4,155 |
| Assets per employee ($millions) | 6.5243% | 1,073 |
| Cash dividends to net income (ytd only)* | 91.6870% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 1,052 |
| Loan loss allowance to noncurrent loans | 108.7567% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8262% | 2,526 |
| Noncurrent loans to loans | 1.6719% | 1,271 |
| Net loans and leases to total assets | 43.4369% | 5,261 |
| Net loans and leases to deposits | 50.3150% | 5,319 |
| Net loans and leases to core deposits | 54.8677% | 5,232 |
| Total domestic deposits to total assets | 86.3299% | 2,247 |
| Equity capital to assets | 11.2563% | 2,795 |
| Core capital (leverage) ratio | 10.4561% | 3,019 |
| Tier 1 risk-based capital ratio | 25.1763% | 797 |
| Total risk-based capital ratio | 26.4341% | 781 |
| Memoranda: | ||
| Average total assets | $207,212,670 | 2,906 |
| Average earning assets | $193,458,330 | 2,892 |
| Average equity | $22,355,330 | 2,986 |
| Average total loans | $89,363,670 | 3,627 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0833% | 2,913 |
| Cost of funding earning assets | 0.3826% | 3,269 |
| Net interest margin | 3.7007% | 2,668 |
| Noninterest income to average assets | 0.3662% | 4,103 |
| Noninterest expense to average assets | 2.5103% | 4,038 |
| Loan and lease loss provision to assets | 0.2861% | 572 |
| Net operating income to assets | 0.8031% | 3,230 |
| Return on assets (ROA) | 0.8031% | 3,345 |
| Pretax return on assets | 1.0205% | 3,402 |
| Return on Equity (ROE) | 7.6027% | 3,128 |
| Retained earnings to average equity (ytd only) | -5.9413% | 5,658 |
| Net charge-offs to loans | -0.1075% | 5,666 |
| Credit loss provision to net charge-offs | -625.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7671% | 3,848 |
| Assets per employee ($millions) | 6.7475% | 989 |
| Cash dividends to net income (ytd only)* | 178.1473% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2336% | 564 |
| Loan loss allowance to noncurrent loans | 86.3776% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.2330% | 1,767 |
| Noncurrent loans to loans | 2.5859% | 708 |
| Net loans and leases to total assets | 41.2648% | 5,384 |
| Net loans and leases to deposits | 47.4008% | 5,445 |
| Net loans and leases to core deposits | 51.4846% | 5,381 |
| Total domestic deposits to total assets | 87.0551% | 2,189 |
| Equity capital to assets | 10.5713% | 3,399 |
| Core capital (leverage) ratio | 10.1912% | 3,327 |
| Tier 1 risk-based capital ratio | 23.6972% | 950 |
| Total risk-based capital ratio | 24.9590% | 938 |
| Memoranda: | ||
| Average total assets | $209,693,000 | 2,898 |
| Average earning assets | $195,529,000 | 2,868 |
| Average equity | $22,150,000 | 3,010 |
| Average total loans | $89,306,000 | 3,632 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7960% | 4,054 |
| Cost of funding earning assets | 0.5638% | 1,643 |
| Net interest margin | 3.2321% | 4,527 |
| Noninterest income to average assets | 0.3568% | 4,351 |
| Noninterest expense to average assets | 2.2247% | 4,992 |
| Loan and lease loss provision to assets | 0.3403% | 447 |
| Net operating income to assets | 0.6899% | 3,863 |
| Return on assets (ROA) | 0.6692% | 4,045 |
| Pretax return on assets | 0.7994% | 4,188 |
| Return on Equity (ROE) | 6.7275% | 3,669 |
| Retained earnings to average equity (ytd only) | 2.1354% | 4,503 |
| Net charge-offs to loans | 0.1734% | 1,647 |
| Credit loss provision to net charge-offs | 477.5641% | 654 |
| Earnings coverage of net charge-offs (x) | 16.3397% | 2,138 |
| Efficiency ratio | 65.6423% | 3,962 |
| Assets per employee ($millions) | 7.0072% | 889 |
| Cash dividends to net income (ytd only)* | 68.2594% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9906% | 820 |
| Loan loss allowance to noncurrent loans | 295.2381% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.6056% | 3,258 |
| Noncurrent loans to loans | 0.6742% | 3,173 |
| Net loans and leases to total assets | 42.1131% | 5,403 |
| Net loans and leases to deposits | 48.6014% | 5,458 |
| Net loans and leases to core deposits | 52.6949% | 5,386 |
| Total domestic deposits to total assets | 86.6499% | 2,299 |
| Equity capital to assets | 10.5549% | 3,299 |
| Core capital (leverage) ratio | 10.3412% | 3,113 |
| Tier 1 risk-based capital ratio | 23.5276% | 952 |
| Total risk-based capital ratio | 24.7863% | 944 |
| Memoranda: | ||
| Average total assets | $218,909,600 | 2,753 |
| Average earning assets | $205,375,200 | 2,721 |
| Average equity | $21,776,200 | 2,998 |
| Average total loans | $89,963,400 | 3,591 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 4,335 |
| Cost of funding earning assets | 0.5993% | 1,410 |
| Net interest margin | 3.1286% | 4,886 |
| Noninterest income to average assets | 0.3534% | 4,415 |
| Noninterest expense to average assets | 2.1530% | 5,163 |
| Loan and lease loss provision to assets | 0.0754% | 2,672 |
| Net operating income to assets | 0.8353% | 3,249 |
| Return on assets (ROA) | 0.8353% | 3,333 |
| Pretax return on assets | 1.0656% | 3,347 |
| Return on Equity (ROE) | 8.5203% | 2,815 |
| Retained earnings to average equity (ytd only) | 2.3684% | 4,698 |
| Net charge-offs to loans | 0.2062% | 1,254 |
| Credit loss provision to net charge-offs | 89.9281% | 2,473 |
| Earnings coverage of net charge-offs (x) | 13.6114% | 2,315 |
| Efficiency ratio | 65.3607% | 3,998 |
| Assets per employee ($millions) | 7.3348% | 740 |
| Cash dividends to net income (ytd only)* | 72.2022% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 2,869 |
| Loan loss allowance to noncurrent loans | 133.6689% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 3,762 |
| Noncurrent loans to loans | 1.0081% | 2,460 |
| Net loans and leases to total assets | 39.7573% | 5,603 |
| Net loans and leases to deposits | 48.4311% | 5,541 |
| Net loans and leases to core deposits | 55.0550% | 5,351 |
| Total domestic deposits to total assets | 82.0905% | 4,132 |
| Equity capital to assets | 10.0407% | 4,105 |
| Core capital (leverage) ratio | 9.6137% | 4,148 |
| Tier 1 risk-based capital ratio | 21.5492% | 1,258 |
| Total risk-based capital ratio | 22.7569% | 1,245 |
| Memoranda: | ||
| Average total assets | $221,083,250 | 2,761 |
| Average earning assets | $207,795,750 | 2,723 |
| Average equity | $21,673,250 | 3,023 |
| Average total loans | $89,872,750 | 3,626 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 4,487 |
| Cost of funding earning assets | 0.6193% | 1,290 |
| Net interest margin | 3.0559% | 5,076 |
| Noninterest income to average assets | 0.3568% | 4,408 |
| Noninterest expense to average assets | 2.1542% | 5,212 |
| Loan and lease loss provision to assets | 0.1129% | 1,946 |
| Net operating income to assets | 0.7650% | 3,560 |
| Return on assets (ROA) | 0.7650% | 3,665 |
| Pretax return on assets | 0.9646% | 3,721 |
| Return on Equity (ROE) | 7.8670% | 3,132 |
| Retained earnings to average equity (ytd only) | -1.4211% | 5,759 |
| Net charge-offs to loans | 0.0997% | 2,015 |
| Credit loss provision to net charge-offs | 277.7778% | 976 |
| Earnings coverage of net charge-offs (x) | 26.5111% | 1,480 |
| Efficiency ratio | 66.6574% | 3,887 |
| Assets per employee ($millions) | 7.3924% | 703 |
| Cash dividends to net income (ytd only)* | 118.0638% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 2,649 |
| Loan loss allowance to noncurrent loans | 97.9483% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 3,632 |
| Noncurrent loans to loans | 1.4528% | 1,829 |
| Net loans and leases to total assets | 40.2646% | 5,612 |
| Net loans and leases to deposits | 49.0389% | 5,555 |
| Net loans and leases to core deposits | 57.9017% | 5,204 |
| Total domestic deposits to total assets | 82.1074% | 4,260 |
| Equity capital to assets | 9.6387% | 4,485 |
| Core capital (leverage) ratio | 9.4413% | 4,354 |
| Tier 1 risk-based capital ratio | 20.4150% | 1,465 |
| Total risk-based capital ratio | 21.6650% | 1,440 |
| Memoranda: | ||
| Average total assets | $221,429,330 | 2,780 |
| Average earning assets | $208,315,670 | 2,729 |
| Average equity | $21,533,000 | 3,051 |
| Average total loans | $90,270,670 | 3,630 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 4,759 |
| Cost of funding earning assets | 0.6052% | 1,396 |
| Net interest margin | 2.9721% | 5,291 |
| Noninterest income to average assets | 0.3543% | 4,363 |
| Noninterest expense to average assets | 2.1947% | 5,165 |
| Loan and lease loss provision to assets | 0.1356% | 1,527 |
| Net operating income to assets | 0.6852% | 3,869 |
| Return on assets (ROA) | 0.6852% | 4,001 |
| Pretax return on assets | 0.8208% | 4,168 |
| Return on Equity (ROE) | 7.0148% | 3,498 |
| Retained earnings to average equity (ytd only) | -11.4939% | 6,166 |
| Net charge-offs to loans | 0.0355% | 2,501 |
| Credit loss provision to net charge-offs | 937.5000% | 353 |
| Earnings coverage of net charge-offs (x) | 66.1250% | 673 |
| Efficiency ratio | 69.6500% | 3,551 |
| Assets per employee ($millions) | 7.1382% | 811 |
| Cash dividends to net income (ytd only)* | 263.8522% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 2,910 |
| Loan loss allowance to noncurrent loans | 96.9605% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 3,647 |
| Noncurrent loans to loans | 1.4452% | 1,977 |
| Net loans and leases to total assets | 41.9270% | 5,491 |
| Net loans and leases to deposits | 50.7578% | 5,408 |
| Net loans and leases to core deposits | 60.2099% | 4,982 |
| Total domestic deposits to total assets | 82.6021% | 4,303 |
| Equity capital to assets | 9.9292% | 4,226 |
| Core capital (leverage) ratio | 9.6785% | 4,039 |
| Tier 1 risk-based capital ratio | 20.7397% | 1,471 |
| Total risk-based capital ratio | 21.9893% | 1,443 |
| Memoranda: | ||
| Average total assets | $221,257,500 | 2,797 |
| Average earning assets | $208,201,500 | 2,749 |
| Average equity | $21,611,500 | 3,061 |
| Average total loans | $90,113,500 | 3,645 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 3,564 |
| Cost of funding earning assets | 0.6466% | 1,429 |
| Net interest margin | 3.3925% | 4,230 |
| Noninterest income to average assets | 0.3923% | 4,248 |
| Noninterest expense to average assets | 2.3458% | 4,984 |
| Loan and lease loss provision to assets | 0.1901% | 1,346 |
| Net operating income to assets | 0.7867% | 3,439 |
| Return on assets (ROA) | 0.8977% | 2,975 |
| Pretax return on assets | 1.1749% | 2,760 |
| Return on Equity (ROE) | 8.3256% | 2,950 |
| Retained earnings to average equity (ytd only) | 4.3297% | 3,109 |
| Net charge-offs to loans | 0.1237% | 2,793 |
| Credit loss provision to net charge-offs | 337.8378% | 777 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,665 |
| Efficiency ratio | 65.8041% | 4,285 |
| Assets per employee ($millions) | 8.1560% | 509 |
| Cash dividends to net income (ytd only)* | 47.9955% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 3,146 |
| Loan loss allowance to noncurrent loans | 72.6727% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 3,388 |
| Noncurrent loans to loans | 1.8673% | 1,520 |
| Net loans and leases to total assets | 38.5149% | 5,821 |
| Net loans and leases to deposits | 47.7106% | 5,699 |
| Net loans and leases to core deposits | 53.8593% | 5,507 |
| Total domestic deposits to total assets | 80.7259% | 4,812 |
| Equity capital to assets | 9.6160% | 4,568 |
| Core capital (leverage) ratio | 9.8760% | 3,742 |
| Tier 1 risk-based capital ratio | 24.6849% | 869 |
| Total risk-based capital ratio | 25.9371% | 848 |
| Memoranda: | ||
| Average total assets | $197,285,000 | 3,032 |
| Average earning assets | $184,493,600 | 2,980 |
| Average equity | $21,271,800 | 3,021 |
| Average total loans | $89,758,400 | 3,633 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 3,007 |
| Cost of funding earning assets | 0.6693% | 1,322 |
| Net interest margin | 3.5255% | 3,734 |
| Noninterest income to average assets | 0.4095% | 4,169 |
| Noninterest expense to average assets | 2.3442% | 4,981 |
| Loan and lease loss provision to assets | 0.1583% | 1,574 |
| Net operating income to assets | 0.9307% | 2,777 |
| Return on assets (ROA) | 0.9955% | 2,535 |
| Pretax return on assets | 1.2769% | 2,471 |
| Return on Equity (ROE) | 8.9414% | 2,722 |
| Retained earnings to average equity (ytd only) | 3.5702% | 4,107 |
| Net charge-offs to loans | 0.0386% | 3,731 |
| Credit loss provision to net charge-offs | 865.3846% | 370 |
| Earnings coverage of net charge-offs (x) | 73.9140% | 746 |
| Efficiency ratio | 63.4183% | 4,646 |
| Assets per employee ($millions) | 7.5333% | 631 |
| Cash dividends to net income (ytd only)* | 60.0709% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 3,886 |
| Loan loss allowance to noncurrent loans | 99.5648% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 4,163 |
| Noncurrent loans to loans | 1.2648% | 2,528 |
| Net loans and leases to total assets | 44.1005% | 5,517 |
| Net loans and leases to deposits | 53.9906% | 5,387 |
| Net loans and leases to core deposits | 61.6906% | 5,062 |
| Total domestic deposits to total assets | 81.6818% | 4,594 |
| Equity capital to assets | 10.6441% | 3,375 |
| Core capital (leverage) ratio | 11.0371% | 2,455 |
| Tier 1 risk-based capital ratio | 24.1718% | 970 |
| Total risk-based capital ratio | 25.4224% | 946 |
| Memoranda: | ||
| Average total assets | $189,514,000 | 3,133 |
| Average earning assets | $176,687,750 | 3,109 |
| Average equity | $21,099,750 | 3,053 |
| Average total loans | $89,906,500 | 3,662 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 2,671 |
| Cost of funding earning assets | 0.6842% | 1,282 |
| Net interest margin | 3.5941% | 3,381 |
| Noninterest income to average assets | 0.4046% | 4,209 |
| Noninterest expense to average assets | 2.3561% | 5,005 |
| Loan and lease loss provision to assets | 0.1623% | 1,525 |
| Net operating income to assets | 0.9551% | 2,530 |
| Return on assets (ROA) | 1.0547% | 2,181 |
| Pretax return on assets | 1.3608% | 2,034 |
| Return on Equity (ROE) | 9.3229% | 2,451 |
| Retained earnings to average equity (ytd only) | 1.1952% | 5,275 |
| Net charge-offs to loans | 0.0022% | 4,314 |
| Credit loss provision to net charge-offs | 15,000.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 1,290.0000% | 41 |
| Efficiency ratio | 62.8028% | 4,889 |
| Assets per employee ($millions) | 7.4292% | 652 |
| Cash dividends to net income (ytd only)* | 87.1795% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 4,428 |
| Loan loss allowance to noncurrent loans | 239.3873% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 5,304 |
| Noncurrent loans to loans | 0.5009% | 4,491 |
| Net loans and leases to total assets | 48.5290% | 5,126 |
| Net loans and leases to deposits | 60.8900% | 4,793 |
| Net loans and leases to core deposits | 71.0828% | 4,143 |
| Total domestic deposits to total assets | 79.6996% | 5,306 |
| Equity capital to assets | 11.4456% | 2,469 |
| Core capital (leverage) ratio | 10.9657% | 2,461 |
| Tier 1 risk-based capital ratio | 23.6998% | 1,020 |
| Total risk-based capital ratio | 24.9499% | 999 |
| Memoranda: | ||
| Average total assets | $184,885,670 | 3,209 |
| Average earning assets | $172,171,670 | 3,169 |
| Average equity | $20,916,330 | 3,070 |
| Average total loans | $89,594,000 | 3,682 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 2,680 |
| Cost of funding earning assets | 0.6844% | 1,337 |
| Net interest margin | 3.5688% | 3,397 |
| Noninterest income to average assets | 0.4055% | 4,143 |
| Noninterest expense to average assets | 2.3137% | 5,157 |
| Loan and lease loss provision to assets | 0.1626% | 1,497 |
| Net operating income to assets | 0.9758% | 2,297 |
| Return on assets (ROA) | 0.9758% | 2,362 |
| Pretax return on assets | 1.2534% | 2,272 |
| Return on Equity (ROE) | 8.6766% | 2,609 |
| Retained earnings to average equity (ytd only) | -7.7125% | 6,276 |
| Net charge-offs to loans | 0.0631% | 2,526 |
| Credit loss provision to net charge-offs | 535.7143% | 510 |
| Earnings coverage of net charge-offs (x) | 46.6429% | 796 |
| Efficiency ratio | 62.0349% | 5,111 |
| Assets per employee ($millions) | 6.9759% | 814 |
| Cash dividends to net income (ytd only)* | 188.8889% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 4,947 |
| Loan loss allowance to noncurrent loans | 218.2213% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 5,425 |
| Noncurrent loans to loans | 0.5208% | 4,612 |
| Net loans and leases to total assets | 48.2489% | 5,093 |
| Net loans and leases to deposits | 59.6400% | 4,799 |
| Net loans and leases to core deposits | 69.6893% | 4,128 |
| Total domestic deposits to total assets | 80.9002% | 5,258 |
| Equity capital to assets | 11.3440% | 2,383 |
| Core capital (leverage) ratio | 10.9197% | 2,465 |
| Tier 1 risk-based capital ratio | 23.8923% | 1,015 |
| Total risk-based capital ratio | 25.1200% | 1,003 |
| Memoranda: | ||
| Average total assets | $184,463,500 | 3,240 |
| Average earning assets | $171,821,000 | 3,200 |
| Average equity | $20,745,500 | 3,089 |
| Average total loans | $88,777,500 | 3,733 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,905 |
| Cost of funding earning assets | 0.7295% | 1,626 |
| Net interest margin | 3.5837% | 3,533 |
| Noninterest income to average assets | 0.4480% | 4,096 |
| Noninterest expense to average assets | 2.5187% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9674% | 2,481 |
| Return on assets (ROA) | 0.9569% | 2,602 |
| Pretax return on assets | 1.2451% | 2,389 |
| Return on Equity (ROE) | 8.2209% | 2,915 |
| Retained earnings to average equity (ytd only) | 4.3132% | 3,108 |
| Net charge-offs to loans | 0.1535% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.5224% | 1,794 |
| Efficiency ratio | 66.6767% | 4,431 |
| Assets per employee ($millions) | 6.9464% | 789 |
| Cash dividends to net income (ytd only)* | 47.5342% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 5,306 |
| Loan loss allowance to noncurrent loans | 174.0331% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 4,842 |
| Noncurrent loans to loans | 0.6099% | 4,451 |
| Net loans and leases to total assets | 46.9697% | 5,401 |
| Net loans and leases to deposits | 60.2745% | 4,917 |
| Net loans and leases to core deposits | 70.2726% | 4,267 |
| Total domestic deposits to total assets | 77.9262% | 5,839 |
| Equity capital to assets | 11.1520% | 2,471 |
| Core capital (leverage) ratio | 11.0360% | 2,358 |
| Tier 1 risk-based capital ratio | 24.4893% | 903 |
| Total risk-based capital ratio | 25.6501% | 900 |
| Memoranda: | ||
| Average total assets | $175,885,600 | 3,323 |
| Average earning assets | $163,408,000 | 3,296 |
| Average equity | $20,472,200 | 3,104 |
| Average total loans | $87,274,600 | 3,752 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 2,828 |
| Cost of funding earning assets | 0.7420% | 1,652 |
| Net interest margin | 3.5995% | 3,449 |
| Noninterest income to average assets | 0.4771% | 3,957 |
| Noninterest expense to average assets | 2.5484% | 4,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0084% | 2,343 |
| Return on assets (ROA) | 0.9936% | 2,492 |
| Pretax return on assets | 1.2495% | 2,514 |
| Return on Equity (ROE) | 8.4406% | 2,904 |
| Retained earnings to average equity (ytd only) | 3.2021% | 4,397 |
| Net charge-offs to loans | 0.0184% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 137.0800% | 397 |
| Efficiency ratio | 66.7744% | 4,344 |
| Assets per employee ($millions) | 6.5140% | 932 |
| Cash dividends to net income (ytd only)* | 62.0637% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 4,911 |
| Loan loss allowance to noncurrent loans | 183.0189% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5805% | 4,703 |
| Noncurrent loans to loans | 0.6501% | 4,572 |
| Net loans and leases to total assets | 50.3812% | 5,098 |
| Net loans and leases to deposits | 61.9313% | 4,771 |
| Net loans and leases to core deposits | 73.0256% | 3,968 |
| Total domestic deposits to total assets | 81.3502% | 5,118 |
| Equity capital to assets | 11.6836% | 2,141 |
| Core capital (leverage) ratio | 11.4660% | 2,066 |
| Tier 1 risk-based capital ratio | 24.0481% | 996 |
| Total risk-based capital ratio | 25.2985% | 976 |
| Memoranda: | ||
| Average total assets | $172,968,750 | 3,392 |
| Average earning assets | $160,463,250 | 3,362 |
| Average equity | $20,361,250 | 3,148 |
| Average total loans | $86,833,750 | 3,792 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,801 |
| Cost of funding earning assets | 0.7864% | 1,487 |
| Net interest margin | 3.5512% | 3,557 |
| Noninterest income to average assets | 0.4279% | 4,320 |
| Noninterest expense to average assets | 2.6244% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9035% | 2,776 |
| Return on assets (ROA) | 0.9035% | 2,919 |
| Pretax return on assets | 1.1012% | 3,092 |
| Return on Equity (ROE) | 7.6557% | 3,257 |
| Retained earnings to average equity (ytd only) | -0.2266% | 5,902 |
| Net charge-offs to loans | 0.0210% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 105.2222% | 449 |
| Efficiency ratio | 70.4432% | 3,746 |
| Assets per employee ($millions) | 6.0380% | 1,176 |
| Cash dividends to net income (ytd only)* | 102.9601% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 4,857 |
| Loan loss allowance to noncurrent loans | 182.4532% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 4,082 |
| Noncurrent loans to loans | 0.6713% | 4,593 |
| Net loans and leases to total assets | 51.0880% | 4,986 |
| Net loans and leases to deposits | 60.3367% | 4,937 |
| Net loans and leases to core deposits | 71.8115% | 4,069 |
| Total domestic deposits to total assets | 84.6716% | 4,054 |
| Equity capital to assets | 11.8653% | 1,996 |
| Core capital (leverage) ratio | 11.4324% | 1,994 |
| Tier 1 risk-based capital ratio | 24.0606% | 990 |
| Total risk-based capital ratio | 25.3123% | 970 |
| Memoranda: | ||
| Average total assets | $171,998,670 | 3,431 |
| Average earning assets | $159,719,330 | 3,403 |
| Average equity | $20,298,670 | 3,179 |
| Average total loans | $85,886,000 | 3,825 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2002% | 3,302 |
| Cost of funding earning assets | 0.7776% | 1,656 |
| Net interest margin | 3.4226% | 4,039 |
| Noninterest income to average assets | 0.4404% | 4,181 |
| Noninterest expense to average assets | 2.8824% | 3,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6895% | 3,743 |
| Return on assets (ROA) | 0.6895% | 3,889 |
| Pretax return on assets | 0.7448% | 4,395 |
| Return on Equity (ROE) | 5.8576% | 4,124 |
| Retained earnings to average equity (ytd only) | -9.8149% | 6,608 |
| Net charge-offs to loans | -0.0470% | 6,105 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4660% | 2,404 |
| Assets per employee ($millions) | 6.0369% | 1,234 |
| Cash dividends to net income (ytd only)* | 267.5585% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 5,013 |
| Loan loss allowance to noncurrent loans | 184.5763% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 4,548 |
| Noncurrent loans to loans | 0.6703% | 4,775 |
| Net loans and leases to total assets | 51.4258% | 4,781 |
| Net loans and leases to deposits | 60.4926% | 4,737 |
| Net loans and leases to core deposits | 71.3081% | 3,911 |
| Total domestic deposits to total assets | 85.0117% | 4,032 |
| Equity capital to assets | 11.8350% | 2,148 |
| Core capital (leverage) ratio | 11.1427% | 2,142 |
| Tier 1 risk-based capital ratio | 23.3161% | 1,109 |
| Total risk-based capital ratio | 24.5669% | 1,092 |
| Memoranda: | ||
| Average total assets | $173,465,500 | 3,440 |
| Average earning assets | $161,514,500 | 3,406 |
| Average equity | $20,418,000 | 3,207 |
| Average total loans | $85,107,500 | 3,865 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 4,675 |
| Cost of funding earning assets | 0.8793% | 2,074 |
| Net interest margin | 3.2968% | 5,259 |
| Noninterest income to average assets | 0.3464% | 4,988 |
| Noninterest expense to average assets | 2.2813% | 5,740 |
| Loan and lease loss provision to assets | 0.0437% | 5,303 |
| Net operating income to assets | 0.8416% | 3,085 |
| Return on assets (ROA) | 0.8676% | 3,214 |
| Pretax return on assets | 1.1919% | 2,830 |
| Return on Equity (ROE) | 7.3082% | 3,458 |
| Retained earnings to average equity (ytd only) | 3.3843% | 3,846 |
| Net charge-offs to loans | 0.5992% | 1,937 |
| Credit loss provision to net charge-offs | 16.3755% | 5,322 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,345 |
| Efficiency ratio | 65.5294% | 4,597 |
| Assets per employee ($millions) | 6.3535% | 1,068 |
| Cash dividends to net income (ytd only)* | 53.6913% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,567 |
| Loan loss allowance to noncurrent loans | 223.8589% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.5284% | 5,158 |
| Noncurrent loans to loans | 0.5864% | 5,068 |
| Net loans and leases to total assets | 45.5995% | 5,657 |
| Net loans and leases to deposits | 53.5625% | 5,688 |
| Net loans and leases to core deposits | 62.5837% | 5,100 |
| Total domestic deposits to total assets | 85.1331% | 3,803 |
| Equity capital to assets | 11.7095% | 2,264 |
| Core capital (leverage) ratio | 11.5598% | 1,836 |
| Tier 1 risk-based capital ratio | 25.0192% | 851 |
| Total risk-based capital ratio | 26.2712% | 841 |
| Memoranda: | ||
| Average total assets | $171,744,600 | 3,429 |
| Average earning assets | $163,311,800 | 3,329 |
| Average equity | $20,388,000 | 3,153 |
| Average total loans | $76,429,800 | 4,139 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 4,865 |
| Cost of funding earning assets | 0.9075% | 2,124 |
| Net interest margin | 3.2790% | 5,457 |
| Noninterest income to average assets | 0.3047% | 5,348 |
| Noninterest expense to average assets | 2.1965% | 5,961 |
| Loan and lease loss provision to assets | 0.0588% | 4,994 |
| Net operating income to assets | 0.9488% | 2,750 |
| Return on assets (ROA) | 0.9306% | 3,057 |
| Pretax return on assets | 1.1601% | 3,129 |
| Return on Equity (ROE) | 7.8115% | 3,364 |
| Retained earnings to average equity (ytd only) | 2.5512% | 5,037 |
| Net charge-offs to loans | 0.1174% | 4,206 |
| Credit loss provision to net charge-offs | 113.6364% | 2,565 |
| Earnings coverage of net charge-offs (x) | 24.0145% | 1,294 |
| Efficiency ratio | 63.8870% | 4,821 |
| Assets per employee ($millions) | 6.2370% | 1,106 |
| Cash dividends to net income (ytd only)* | 67.3401% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8540% | 2,632 |
| Loan loss allowance to noncurrent loans | 175.5370% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 4,835 |
| Noncurrent loans to loans | 1.0562% | 4,330 |
| Net loans and leases to total assets | 46.2428% | 5,741 |
| Net loans and leases to deposits | 54.2658% | 5,790 |
| Net loans and leases to core deposits | 63.9627% | 5,150 |
| Total domestic deposits to total assets | 85.2154% | 3,656 |
| Equity capital to assets | 12.2887% | 2,050 |
| Core capital (leverage) ratio | 11.5349% | 1,960 |
| Tier 1 risk-based capital ratio | 26.6910% | 762 |
| Total risk-based capital ratio | 27.9511% | 748 |
| Memoranda: | ||
| Average total assets | $170,206,000 | 3,483 |
| Average earning assets | $162,644,750 | 3,380 |
| Average equity | $20,277,250 | 3,203 |
| Average total loans | $74,987,250 | 4,230 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 5,086 |
| Cost of funding earning assets | 0.9298% | 2,186 |
| Net interest margin | 3.2291% | 5,651 |
| Noninterest income to average assets | 0.2962% | 5,438 |
| Noninterest expense to average assets | 2.2118% | 5,966 |
| Loan and lease loss provision to assets | 0.0878% | 4,486 |
| Net operating income to assets | 0.9098% | 2,864 |
| Return on assets (ROA) | 0.9098% | 3,129 |
| Pretax return on assets | 1.0749% | 3,393 |
| Return on Equity (ROE) | 7.7166% | 3,390 |
| Retained earnings to average equity (ytd only) | 1.7578% | 5,315 |
| Net charge-offs to loans | 0.1904% | 3,441 |
| Credit loss provision to net charge-offs | 107.1429% | 2,542 |
| Earnings coverage of net charge-offs (x) | 14.1857% | 1,729 |
| Efficiency ratio | 65.5448% | 4,613 |
| Assets per employee ($millions) | 5.7239% | 1,424 |
| Cash dividends to net income (ytd only)* | 77.2201% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 2,407 |
| Loan loss allowance to noncurrent loans | 252.4957% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 5,916 |
| Noncurrent loans to loans | 0.7688% | 4,970 |
| Net loans and leases to total assets | 43.1565% | 6,095 |
| Net loans and leases to deposits | 50.2857% | 6,162 |
| Net loans and leases to core deposits | 60.1562% | 5,572 |
| Total domestic deposits to total assets | 85.8226% | 3,440 |
| Equity capital to assets | 11.8334% | 2,281 |
| Core capital (leverage) ratio | 11.1738% | 2,143 |
| Tier 1 risk-based capital ratio | 27.2901% | 700 |
| Total risk-based capital ratio | 28.5502% | 683 |
| Memoranda: | ||
| Average total assets | $170,808,670 | 3,488 |
| Average earning assets | $162,830,000 | 3,373 |
| Average equity | $20,138,330 | 3,203 |
| Average total loans | $73,535,330 | 4,296 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 5,499 |
| Cost of funding earning assets | 0.9648% | 2,198 |
| Net interest margin | 3.1244% | 5,970 |
| Noninterest income to average assets | 0.3076% | 5,423 |
| Noninterest expense to average assets | 2.4185% | 5,408 |
| Loan and lease loss provision to assets | 0.1174% | 3,878 |
| Net operating income to assets | 0.8195% | 3,301 |
| Return on assets (ROA) | 0.8195% | 3,531 |
| Pretax return on assets | 0.7373% | 4,663 |
| Return on Equity (ROE) | 6.9635% | 3,804 |
| Retained earnings to average equity (ytd only) | -5.0081% | 6,581 |
| Net charge-offs to loans | 0.4192% | 2,046 |
| Credit loss provision to net charge-offs | 65.7895% | 3,001 |
| Earnings coverage of net charge-offs (x) | 4.7895% | 2,503 |
| Efficiency ratio | 73.8881% | 3,113 |
| Assets per employee ($millions) | 6.2446% | 1,125 |
| Cash dividends to net income (ytd only)* | 171.9198% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 2,370 |
| Loan loss allowance to noncurrent loans | 136.7619% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6720% | 5,220 |
| Noncurrent loans to loans | 1.4592% | 3,926 |
| Net loans and leases to total assets | 40.3319% | 6,319 |
| Net loans and leases to deposits | 46.5934% | 6,384 |
| Net loans and leases to core deposits | 55.9443% | 5,910 |
| Total domestic deposits to total assets | 86.5615% | 3,200 |
| Equity capital to assets | 11.3761% | 2,551 |
| Core capital (leverage) ratio | 10.9484% | 2,300 |
| Tier 1 risk-based capital ratio | 27.6351% | 673 |
| Total risk-based capital ratio | 28.8962% | 652 |
| Memoranda: | ||
| Average total assets | $170,354,500 | 3,513 |
| Average earning assets | $161,696,500 | 3,413 |
| Average equity | $20,047,500 | 3,221 |
| Average total loans | $72,516,000 | 4,364 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5124% | 5,023 |
| Cost of funding earning assets | 1.1540% | 2,325 |
| Net interest margin | 3.3584% | 5,616 |
| Noninterest income to average assets | 0.3168% | 5,273 |
| Noninterest expense to average assets | 2.3575% | 5,889 |
| Loan and lease loss provision to assets | 0.0960% | 5,389 |
| Net operating income to assets | 0.7547% | 3,244 |
| Return on assets (ROA) | 0.7547% | 3,407 |
| Pretax return on assets | 1.0395% | 3,086 |
| Return on Equity (ROE) | 7.0177% | 3,401 |
| Retained earnings to average equity (ytd only) | 4.0416% | 3,316 |
| Net charge-offs to loans | 0.1318% | 5,096 |
| Credit loss provision to net charge-offs | 157.8947% | 1,759 |
| Earnings coverage of net charge-offs (x) | 18.6737% | 1,205 |
| Efficiency ratio | 67.4913% | 4,466 |
| Assets per employee ($millions) | 5.9236% | 1,291 |
| Cash dividends to net income (ytd only)* | 42.4088% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0007% | 2,272 |
| Loan loss allowance to noncurrent loans | 157.8834% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 5,439 |
| Noncurrent loans to loans | 1.2672% | 4,257 |
| Net loans and leases to total assets | 43.1774% | 6,279 |
| Net loans and leases to deposits | 50.3300% | 6,339 |
| Net loans and leases to core deposits | 59.6903% | 5,878 |
| Total domestic deposits to total assets | 85.7886% | 3,435 |
| Equity capital to assets | 12.1814% | 1,984 |
| Core capital (leverage) ratio | 11.4498% | 1,932 |
| Tier 1 risk-based capital ratio | 27.7279% | 642 |
| Total risk-based capital ratio | 28.9897% | 632 |
| Memoranda: | ||
| Average total assets | $156,226,800 | 3,698 |
| Average earning assets | $147,747,200 | 3,612 |
| Average equity | $16,800,400 | 3,608 |
| Average total loans | $72,068,200 | 4,408 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5283% | 5,173 |
| Cost of funding earning assets | 1.1955% | 2,342 |
| Net interest margin | 3.3328% | 5,763 |
| Noninterest income to average assets | 0.3329% | 5,196 |
| Noninterest expense to average assets | 2.3551% | 5,894 |
| Loan and lease loss provision to assets | 0.1300% | 4,806 |
| Net operating income to assets | 0.7697% | 3,302 |
| Return on assets (ROA) | 0.7697% | 3,463 |
| Pretax return on assets | 1.0012% | 3,392 |
| Return on Equity (ROE) | 7.4232% | 3,315 |
| Retained earnings to average equity (ytd only) | 3.2435% | 4,408 |
| Net charge-offs to loans | 0.0408% | 5,582 |
| Credit loss provision to net charge-offs | 681.8182% | 394 |
| Earnings coverage of net charge-offs (x) | 59.3236% | 560 |
| Efficiency ratio | 67.5535% | 4,407 |
| Assets per employee ($millions) | 6.0963% | 1,152 |
| Cash dividends to net income (ytd only)* | 56.3063% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1498% | 1,968 |
| Loan loss allowance to noncurrent loans | 178.4884% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 5,673 |
| Noncurrent loans to loans | 1.2045% | 4,529 |
| Net loans and leases to total assets | 42.4459% | 6,470 |
| Net loans and leases to deposits | 50.6793% | 6,468 |
| Net loans and leases to core deposits | 60.4278% | 5,952 |
| Total domestic deposits to total assets | 83.7539% | 4,346 |
| Equity capital to assets | 12.0814% | 2,190 |
| Core capital (leverage) ratio | 11.5957% | 1,960 |
| Tier 1 risk-based capital ratio | 28.0608% | 652 |
| Total risk-based capital ratio | 29.3237% | 641 |
| Memoranda: | ||
| Average total assets | $153,818,500 | 3,760 |
| Average earning assets | $145,539,500 | 3,671 |
| Average equity | $15,949,500 | 3,749 |
| Average total loans | $71,816,250 | 4,465 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 4,994 |
| Cost of funding earning assets | 1.2408% | 2,316 |
| Net interest margin | 3.3519% | 5,704 |
| Noninterest income to average assets | 0.3382% | 5,180 |
| Noninterest expense to average assets | 2.4590% | 5,667 |
| Loan and lease loss provision to assets | 0.1997% | 3,931 |
| Net operating income to assets | 0.6643% | 3,720 |
| Return on assets (ROA) | 0.6643% | 3,845 |
| Pretax return on assets | 0.8481% | 3,841 |
| Return on Equity (ROE) | 6.8182% | 3,521 |
| Retained earnings to average equity (ytd only) | -0.0137% | 5,839 |
| Net charge-offs to loans | 0.0584% | 5,066 |
| Credit loss provision to net charge-offs | 714.2857% | 448 |
| Earnings coverage of net charge-offs (x) | 37.4762% | 779 |
| Efficiency ratio | 70.1215% | 4,094 |
| Assets per employee ($millions) | 5.7312% | 1,360 |
| Cash dividends to net income (ytd only)* | 100.2004% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1801% | 1,960 |
| Loan loss allowance to noncurrent loans | 216.9492% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 5,884 |
| Noncurrent loans to loans | 1.0049% | 4,988 |
| Net loans and leases to total assets | 44.5393% | 6,387 |
| Net loans and leases to deposits | 52.0862% | 6,466 |
| Net loans and leases to core deposits | 60.3258% | 6,063 |
| Total domestic deposits to total assets | 85.5107% | 3,620 |
| Equity capital to assets | 12.4879% | 1,784 |
| Core capital (leverage) ratio | 12.1557% | 1,527 |
| Tier 1 risk-based capital ratio | 28.6137% | 619 |
| Total risk-based capital ratio | 29.8775% | 605 |
| Memoranda: | ||
| Average total assets | $150,224,670 | 3,844 |
| Average earning assets | $142,010,000 | 3,758 |
| Average equity | $14,637,330 | 3,972 |
| Average total loans | $71,954,670 | 4,501 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 5,097 |
| Cost of funding earning assets | 1.2733% | 2,342 |
| Net interest margin | 3.2933% | 5,803 |
| Noninterest income to average assets | 0.3352% | 5,226 |
| Noninterest expense to average assets | 2.7087% | 4,801 |
| Loan and lease loss provision to assets | 0.2027% | 3,610 |
| Net operating income to assets | 0.4596% | 4,661 |
| Return on assets (ROA) | 0.4596% | 4,748 |
| Pretax return on assets | 0.5353% | 4,916 |
| Return on Equity (ROE) | 5.5312% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.5312% | 2,893 |
| Net charge-offs to loans | 0.0220% | 4,772 |
| Credit loss provision to net charge-offs | 1,875.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 68.2500% | 444 |
| Efficiency ratio | 78.5882% | 2,752 |
| Assets per employee ($millions) | 5.5810% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 2,346 |
| Loan loss allowance to noncurrent loans | 1,802.4390% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 6,882 |
| Noncurrent loans to loans | 0.1122% | 6,770 |
| Net loans and leases to total assets | 47.5028% | 6,135 |
| Net loans and leases to deposits | 53.8754% | 6,296 |
| Net loans and leases to core deposits | 62.6678% | 5,856 |
| Total domestic deposits to total assets | 88.1716% | 2,276 |
| Equity capital to assets | 8.2555% | 6,214 |
| Core capital (leverage) ratio | 7.9593% | 6,299 |
| Tier 1 risk-based capital ratio | 17.5960% | 2,248 |
| Total risk-based capital ratio | 18.8586% | 2,215 |
| Memoranda: | ||
| Average total assets | $147,966,000 | 3,912 |
| Average earning assets | $139,799,500 | 3,828 |
| Average equity | $12,294,000 | 4,485 |
| Average total loans | $72,703,500 | 4,525 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 4,135 |
| Cost of funding earning assets | 1.4019% | 3,256 |
| Net interest margin | 3.6874% | 4,406 |
| Noninterest income to average assets | 0.4212% | 4,732 |
| Noninterest expense to average assets | 2.8084% | 4,570 |
| Loan and lease loss provision to assets | 0.3748% | 3,877 |
| Net operating income to assets | 0.5363% | 3,943 |
| Return on assets (ROA) | 0.7510% | 3,119 |
| Pretax return on assets | 1.0021% | 2,924 |
| Return on Equity (ROE) | 8.2332% | 2,608 |
| Retained earnings to average equity (ytd only) | 0.0164% | 5,568 |
| Net charge-offs to loans | 0.1199% | 5,686 |
| Credit loss provision to net charge-offs | 574.7126% | 384 |
| Earnings coverage of net charge-offs (x) | 16.7241% | 1,193 |
| Efficiency ratio | 72.0300% | 3,788 |
| Assets per employee ($millions) | 6.0518% | 1,174 |
| Cash dividends to net income (ytd only)* | 99.8004% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9448% | 2,429 |
| Loan loss allowance to noncurrent loans | 1,192.3729% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 6,874 |
| Noncurrent loans to loans | 0.1631% | 6,743 |
| Net loans and leases to total assets | 48.8426% | 6,292 |
| Net loans and leases to deposits | 54.9262% | 6,529 |
| Net loans and leases to core deposits | 64.7366% | 5,997 |
| Total domestic deposits to total assets | 88.9242% | 1,701 |
| Equity capital to assets | 8.3639% | 6,054 |
| Core capital (leverage) ratio | 7.8747% | 6,353 |
| Tier 1 risk-based capital ratio | 17.8750% | 2,040 |
| Total risk-based capital ratio | 19.1368% | 1,998 |
| Memoranda: | ||
| Average total assets | $133,418,800 | 4,193 |
| Average earning assets | $125,832,800 | 4,105 |
| Average equity | $12,170,200 | 4,564 |
| Average total loans | $72,534,600 | 4,587 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2181% | 3,749 |
| Cost of funding earning assets | 1.4079% | 3,538 |
| Net interest margin | 3.8101% | 3,932 |
| Noninterest income to average assets | 0.4282% | 4,735 |
| Noninterest expense to average assets | 2.8135% | 4,426 |
| Loan and lease loss provision to assets | 0.4343% | 3,305 |
| Net operating income to assets | 0.5673% | 4,019 |
| Return on assets (ROA) | 0.8523% | 2,934 |
| Pretax return on assets | 1.1661% | 2,614 |
| Return on Equity (ROE) | 9.1327% | 2,443 |
| Retained earnings to average equity (ytd only) | -1.8178% | 6,166 |
| Net charge-offs to loans | 0.1176% | 5,371 |
| Credit loss provision to net charge-offs | 664.0625% | 445 |
| Earnings coverage of net charge-offs (x) | 18.5003% | 1,256 |
| Efficiency ratio | 69.9263% | 4,082 |
| Assets per employee ($millions) | 5.4078% | 1,709 |
| Cash dividends to net income (ytd only)* | 119.9043% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8184% | 2,726 |
| Loan loss allowance to noncurrent loans | 1,101.6260% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 6,892 |
| Noncurrent loans to loans | 0.1651% | 6,855 |
| Net loans and leases to total assets | 52.0348% | 6,096 |
| Net loans and leases to deposits | 60.0810% | 6,310 |
| Net loans and leases to core deposits | 66.0471% | 6,121 |
| Total domestic deposits to total assets | 86.6078% | 2,750 |
| Equity capital to assets | 8.5382% | 6,233 |
| Core capital (leverage) ratio | 7.8565% | 6,514 |
| Tier 1 risk-based capital ratio | 16.9389% | 2,363 |
| Total risk-based capital ratio | 18.2003% | 2,321 |
| Memoranda: | ||
| Average total assets | $130,462,500 | 4,319 |
| Average earning assets | $123,107,500 | 4,221 |
| Average equity | $12,175,750 | 4,631 |
| Average total loans | $72,581,250 | 4,652 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 3,421 |
| Cost of funding earning assets | 1.4691% | 3,433 |
| Net interest margin | 3.8413% | 3,709 |
| Noninterest income to average assets | 0.4171% | 4,781 |
| Noninterest expense to average assets | 2.9446% | 3,914 |
| Loan and lease loss provision to assets | 0.2361% | 4,554 |
| Net operating income to assets | 0.6840% | 3,469 |
| Return on assets (ROA) | 0.7822% | 3,197 |
| Pretax return on assets | 0.9805% | 3,205 |
| Return on Equity (ROE) | 8.1258% | 2,837 |
| Retained earnings to average equity (ytd only) | 1.5859% | 5,068 |
| Net charge-offs to loans | 0.0528% | 5,642 |
| Credit loss provision to net charge-offs | 789.4737% | 469 |
| Earnings coverage of net charge-offs (x) | 36.5789% | 785 |
| Efficiency ratio | 72.9150% | 3,674 |
| Assets per employee ($millions) | 4.8734% | 2,335 |
| Cash dividends to net income (ytd only)* | 80.4829% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 3,967 |
| Loan loss allowance to noncurrent loans | 872.0930% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.1993% | 6,900 |
| Noncurrent loans to loans | 0.1714% | 6,912 |
| Net loans and leases to total assets | 54.3447% | 5,947 |
| Net loans and leases to deposits | 60.4181% | 6,378 |
| Net loans and leases to core deposits | 69.9189% | 5,879 |
| Total domestic deposits to total assets | 89.9476% | 939 |
| Equity capital to assets | 9.0008% | 5,447 |
| Core capital (leverage) ratio | 8.7974% | 4,920 |
| Tier 1 risk-based capital ratio | 17.2033% | 2,202 |
| Total risk-based capital ratio | 18.4611% | 2,159 |
| Memoranda: | ||
| Average total assets | $127,082,000 | 4,425 |
| Average earning assets | $119,803,670 | 4,314 |
| Average equity | $12,232,670 | 4,616 |
| Average total loans | $71,935,670 | 4,718 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4716% | 2,725 |
| Cost of funding earning assets | 1.5301% | 3,376 |
| Net interest margin | 3.9415% | 3,146 |
| Noninterest income to average assets | 0.4118% | 4,799 |
| Noninterest expense to average assets | 3.4021% | 2,230 |
| Loan and lease loss provision to assets | 0.2451% | 4,088 |
| Net operating income to assets | 0.4612% | 4,566 |
| Return on assets (ROA) | 0.6275% | 3,896 |
| Pretax return on assets | 0.6504% | 4,414 |
| Return on Equity (ROE) | 6.2910% | 3,726 |
| Retained earnings to average equity (ytd only) | -6.8152% | 6,717 |
| Net charge-offs to loans | -0.0968% | 7,514 |
| Credit loss provision to net charge-offs | -441.1765% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4881% | 2,209 |
| Assets per employee ($millions) | 4.9928% | 2,240 |
| Cash dividends to net income (ytd only)* | 208.3333% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 3,901 |
| Loan loss allowance to noncurrent loans | 822.7273% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 6,866 |
| Noncurrent loans to loans | 0.1826% | 6,973 |
| Net loans and leases to total assets | 57.0417% | 5,599 |
| Net loans and leases to deposits | 63.4327% | 6,119 |
| Net loans and leases to core deposits | 74.6112% | 5,435 |
| Total domestic deposits to total assets | 89.9248% | 1,027 |
| Equity capital to assets | 9.6995% | 4,231 |
| Core capital (leverage) ratio | 9.1155% | 4,349 |
| Tier 1 risk-based capital ratio | 16.8025% | 2,341 |
| Total risk-based capital ratio | 18.0584% | 2,291 |
| Memoranda: | ||
| Average total assets | $122,395,500 | 4,572 |
| Average earning assets | $115,287,000 | 4,488 |
| Average equity | $12,208,000 | 4,659 |
| Average total loans | $70,263,000 | 4,851 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6502% | 3,352 |
| Cost of funding earning assets | 1.6777% | 4,628 |
| Net interest margin | 3.9725% | 2,978 |
| Noninterest income to average assets | 0.4292% | 4,974 |
| Noninterest expense to average assets | 2.7394% | 5,199 |
| Loan and lease loss provision to assets | 0.6143% | 3,338 |
| Net operating income to assets | 0.8277% | 2,422 |
| Return on assets (ROA) | 1.2419% | 1,204 |
| Pretax return on assets | 1.2560% | 1,817 |
| Return on Equity (ROE) | 13.0886% | 940 |
| Retained earnings to average equity (ytd only) | 13.0886% | 149 |
| Net charge-offs to loans | 0.3925% | 4,252 |
| Credit loss provision to net charge-offs | 305.7851% | 1,081 |
| Earnings coverage of net charge-offs (x) | 7.2273% | 2,192 |
| Efficiency ratio | 65.3595% | 5,527 |
| Assets per employee ($millions) | 4.9988% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 3,940 |
| Loan loss allowance to noncurrent loans | 386.7704% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 6,566 |
| Noncurrent loans to loans | 0.3766% | 6,527 |
| Net loans and leases to total assets | 56.0523% | 5,944 |
| Net loans and leases to deposits | 62.8691% | 6,378 |
| Net loans and leases to core deposits | 85.8748% | 5,529 |
| Total domestic deposits to total assets | 89.1573% | 1,408 |
| Equity capital to assets | 10.2601% | 3,446 |
| Core capital (leverage) ratio | 9.0567% | 4,328 |
| Tier 1 risk-based capital ratio | 17.1030% | 2,127 |
| Total risk-based capital ratio | 18.3581% | 2,084 |
| Memoranda: | ||
| Average total assets | $120,464,400 | 4,548 |
| Average earning assets | $114,085,200 | 4,449 |
| Average equity | $11,429,800 | 4,905 |
| Average total loans | $61,654,400 | 5,185 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6347% | 3,670 |
| Cost of funding earning assets | 1.7020% | 4,889 |
| Net interest margin | 3.9328% | 3,108 |
| Noninterest income to average assets | 0.4268% | 5,073 |
| Noninterest expense to average assets | 2.6182% | 5,652 |
| Loan and lease loss provision to assets | 0.4754% | 3,533 |
| Net operating income to assets | 0.9948% | 2,082 |
| Return on assets (ROA) | 1.3533% | 1,178 |
| Pretax return on assets | 1.4473% | 1,573 |
| Return on Equity (ROE) | 14.5581% | 826 |
| Retained earnings to average equity (ytd only) | 14.5581% | 174 |
| Net charge-offs to loans | 0.5688% | 2,977 |
| Credit loss provision to net charge-offs | 167.9688% | 2,786 |
| Earnings coverage of net charge-offs (x) | 5.4454% | 2,823 |
| Efficiency ratio | 62.9452% | 5,939 |
| Assets per employee ($millions) | 5.4397% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 5,978 |
| Loan loss allowance to noncurrent loans | 96.9609% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 6,078 |
| Noncurrent loans to loans | 1.0891% | 5,128 |
| Net loans and leases to total assets | 50.1734% | 6,767 |
| Net loans and leases to deposits | 56.9461% | 7,029 |
| Net loans and leases to core deposits | 74.5782% | 6,696 |
| Total domestic deposits to total assets | 88.1068% | 1,609 |
| Equity capital to assets | 9.7095% | 4,483 |
| Core capital (leverage) ratio | 8.7210% | 5,096 |
| Tier 1 risk-based capital ratio | 16.8431% | 2,320 |
| Total risk-based capital ratio | 18.0107% | 2,294 |
| Memoranda: | ||
| Average total assets | $120,588,000 | 4,580 |
| Average earning assets | $114,453,750 | 4,465 |
| Average equity | $11,210,000 | 5,012 |
| Average total loans | $60,008,000 | 5,287 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7489% | 3,300 |
| Cost of funding earning assets | 1.7369% | 5,078 |
| Net interest margin | 4.0120% | 2,653 |
| Noninterest income to average assets | 0.4199% | 5,119 |
| Noninterest expense to average assets | 2.6050% | 5,721 |
| Loan and lease loss provision to assets | 0.4535% | 3,268 |
| Net operating income to assets | 0.8383% | 2,708 |
| Return on assets (ROA) | 1.1152% | 1,800 |
| Pretax return on assets | 1.5519% | 1,321 |
| Return on Equity (ROE) | 12.1865% | 1,363 |
| Retained earnings to average equity (ytd only) | 12.1865% | 414 |
| Net charge-offs to loans | 0.2548% | 3,923 |
| Credit loss provision to net charge-offs | 360.0000% | 1,287 |
| Earnings coverage of net charge-offs (x) | 12.8667% | 1,778 |
| Efficiency ratio | 61.6455% | 6,290 |
| Assets per employee ($millions) | 6.2842% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1484% | 5,280 |
| Loan loss allowance to noncurrent loans | 190.3581% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 6,749 |
| Noncurrent loans to loans | 0.6033% | 6,054 |
| Net loans and leases to total assets | 47.3246% | 7,093 |
| Net loans and leases to deposits | 53.2508% | 7,324 |
| Net loans and leases to core deposits | 73.8246% | 6,805 |
| Total domestic deposits to total assets | 88.8712% | 1,334 |
| Equity capital to assets | 8.8994% | 5,455 |
| Core capital (leverage) ratio | 8.7298% | 5,039 |
| Tier 1 risk-based capital ratio | 16.1414% | 2,574 |
| Total risk-based capital ratio | 17.3521% | 2,536 |
| Memoranda: | ||
| Average total assets | $119,079,330 | 4,660 |
| Average earning assets | $112,961,000 | 4,542 |
| Average equity | $10,897,330 | 5,114 |
| Average total loans | $58,862,670 | 5,386 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7992% | 3,309 |
| Cost of funding earning assets | 1.7729% | 5,248 |
| Net interest margin | 4.0263% | 2,551 |
| Noninterest income to average assets | 0.4388% | 4,885 |
| Noninterest expense to average assets | 2.7812% | 4,644 |
| Loan and lease loss provision to assets | 0.2073% | 4,368 |
| Net operating income to assets | 0.9294% | 2,584 |
| Return on assets (ROA) | 0.9294% | 2,718 |
| Pretax return on assets | 1.2714% | 2,371 |
| Return on Equity (ROE) | 10.0060% | 2,319 |
| Retained earnings to average equity (ytd only) | 10.0060% | 1,198 |
| Net charge-offs to loans | 0.3642% | 2,640 |
| Credit loss provision to net charge-offs | 113.2075% | 3,428 |
| Earnings coverage of net charge-offs (x) | 8.0755% | 2,243 |
| Efficiency ratio | 65.2879% | 5,452 |
| Assets per employee ($millions) | 5.3372% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8540% | 6,949 |
| Loan loss allowance to noncurrent loans | 96.7308% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 6,165 |
| Noncurrent loans to loans | 0.8829% | 5,241 |
| Net loans and leases to total assets | 49.7334% | 6,884 |
| Net loans and leases to deposits | 55.4079% | 7,193 |
| Net loans and leases to core deposits | 78.1583% | 6,522 |
| Total domestic deposits to total assets | 89.7588% | 906 |
| Equity capital to assets | 9.3963% | 4,813 |
| Core capital (leverage) ratio | 8.6536% | 5,247 |
| Tier 1 risk-based capital ratio | 16.0931% | 2,656 |
| Total risk-based capital ratio | 16.9697% | 2,715 |
| Memoranda: | ||
| Average total assets | $115,777,500 | 4,758 |
| Average earning assets | $109,877,500 | 4,643 |
| Average equity | $10,753,500 | 5,166 |
| Average total loans | $58,209,000 | 5,439 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2411% | 4,293 |
| Cost of funding earning assets | 2.1512% | 5,823 |
| Net interest margin | 4.0898% | 2,757 |
| Noninterest income to average assets | 0.4801% | 4,798 |
| Noninterest expense to average assets | 2.8565% | 4,577 |
| Loan and lease loss provision to assets | 0.0774% | 6,430 |
| Net operating income to assets | 1.0296% | 2,430 |
| Return on assets (ROA) | 1.0403% | 2,286 |
| Pretax return on assets | 1.4255% | 1,886 |
| Return on Equity (ROE) | 11.5596% | 1,731 |
| Retained earnings to average equity (ytd only) | 7.2081% | 1,084 |
| Net charge-offs to loans | 0.0661% | 5,828 |
| Credit loss provision to net charge-offs | 240.0000% | 1,952 |
| Earnings coverage of net charge-offs (x) | 46.1429% | 807 |
| Efficiency ratio | 65.7476% | 5,181 |
| Assets per employee ($millions) | 5.1880% | 1,738 |
| Cash dividends to net income (ytd only)* | 37.6439% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 6,839 |
| Loan loss allowance to noncurrent loans | 112.9841% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 6,088 |
| Noncurrent loans to loans | 0.7632% | 5,123 |
| Net loans and leases to total assets | 49.9601% | 7,038 |
| Net loans and leases to deposits | 55.6485% | 7,348 |
| Net loans and leases to core deposits | 74.4669% | 6,942 |
| Total domestic deposits to total assets | 89.7781% | 728 |
| Equity capital to assets | 9.1767% | 5,116 |
| Core capital (leverage) ratio | 8.8918% | 4,904 |
| Tier 1 risk-based capital ratio | 16.0316% | 2,653 |
| Total risk-based capital ratio | 16.9173% | 2,717 |
| Memoranda: | ||
| Average total assets | $108,524,200 | 4,819 |
| Average earning assets | $102,546,600 | 4,727 |
| Average equity | $9,766,800 | 5,487 |
| Average total loans | $52,974,000 | 5,580 |