Home > The Cleveland State Bank > Performance and Condition Ratios
The Cleveland State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 3,640 |
| Cost of funding earning assets | 0.8912% | 3,534 |
| Net interest margin | 3.3006% | 2,632 |
| Noninterest income to average assets | 1.6000% | 363 |
| Noninterest expense to average assets | 3.0398% | 1,063 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.1939% | 1,664 |
| Return on assets (ROA) | 1.1939% | 1,640 |
| Pretax return on assets | 1.4721% | 1,485 |
| Return on Equity (ROE) | 26.2300% | 274 |
| Retained earnings to average equity (ytd only) | 14.9419% | 328 |
| Net charge-offs to loans | 0.0492% | 1,377 |
| Credit loss provision to net charge-offs | 533.7838% | 640 |
| Earnings coverage of net charge-offs (x) | 67.2703% | 1,124 |
| Efficiency ratio | 65.5311% | 2,410 |
| Assets per employee ($millions) | 5.2474% | 3,435 |
| Cash dividends to net income (ytd only)* | 43.0455% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 1,020 |
| Loan loss allowance to noncurrent loans | 1,026.7544% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,075 |
| Noncurrent loans to loans | 0.1470% | 2,777 |
| Net loans and leases to total assets | 48.5200% | 3,700 |
| Net loans and leases to deposits | 51.9757% | 3,884 |
| Net loans and leases to core deposits | 56.7982% | 3,884 |
| Total domestic deposits to total assets | 93.3500% | 147 |
| Equity capital to assets | 5.4523% | 4,347 |
| Core capital (leverage) ratio | 10.8856% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $311,332,800 | 2,366 |
| Average earning assets | $286,919,800 | 2,369 |
| Average equity | $14,168,200 | 3,329 |
| Average total loans | $150,396,600 | 2,675 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 3,654 |
| Cost of funding earning assets | 0.8055% | 3,501 |
| Net interest margin | 3.2994% | 2,687 |
| Noninterest income to average assets | 1.8100% | 320 |
| Noninterest expense to average assets | 2.7288% | 1,587 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.6951% | 800 |
| Return on assets (ROA) | 1.6951% | 790 |
| Pretax return on assets | 2.0799% | 684 |
| Return on Equity (ROE) | 39.2200% | 121 |
| Retained earnings to average equity (ytd only) | 39.2178% | 50 |
| Net charge-offs to loans | 0.0357% | 1,383 |
| Credit loss provision to net charge-offs | 225.0000% | 1,045 |
| Earnings coverage of net charge-offs (x) | 123.3250% | 825 |
| Efficiency ratio | 56.2949% | 3,377 |
| Assets per employee ($millions) | 5.1071% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 1,698 |
| Loan loss allowance to noncurrent loans | 2,134.0206% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,489 |
| Noncurrent loans to loans | 0.0628% | 3,302 |
| Net loans and leases to total assets | 49.7300% | 3,635 |
| Net loans and leases to deposits | 53.3764% | 3,818 |
| Net loans and leases to core deposits | 58.3486% | 3,771 |
| Total domestic deposits to total assets | 93.1600% | 275 |
| Equity capital to assets | 4.9529% | 4,259 |
| Core capital (leverage) ratio | 11.4972% | 1,675 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $310,455,750 | 2,376 |
| Average earning assets | $285,541,000 | 2,380 |
| Average equity | $13,418,750 | 3,385 |
| Average total loans | $149,221,500 | 2,690 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,597 |
| Cost of funding earning assets | 0.6831% | 3,534 |
| Net interest margin | 3.3628% | 2,609 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.5048% | 2,195 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8063% | 3,061 |
| Return on assets (ROA) | 0.8063% | 3,069 |
| Pretax return on assets | 1.0083% | 2,890 |
| Return on Equity (ROE) | 19.5900% | 758 |
| Retained earnings to average equity (ytd only) | 19.5906% | 261 |
| Net charge-offs to loans | 0.0502% | 1,014 |
| Credit loss provision to net charge-offs | 162.1622% | 1,150 |
| Earnings coverage of net charge-offs (x) | 44.1081% | 1,350 |
| Efficiency ratio | 70.5256% | 1,717 |
| Assets per employee ($millions) | 4.9283% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 1,726 |
| Loan loss allowance to noncurrent loans | 12,017.6471% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 3,812 |
| Noncurrent loans to loans | 0.0112% | 3,700 |
| Net loans and leases to total assets | 48.9500% | 3,629 |
| Net loans and leases to deposits | 52.5170% | 3,815 |
| Net loans and leases to core deposits | 56.4173% | 3,796 |
| Total domestic deposits to total assets | 93.2000% | 223 |
| Equity capital to assets | 4.6915% | 4,419 |
| Core capital (leverage) ratio | 10.4366% | 2,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4488% | 893 |
| Memoranda: | ||
| Average total assets | $311,798,333 | 2,370 |
| Average earning assets | $285,475,000 | 2,391 |
| Average equity | $12,832,667 | 3,451 |
| Average total loans | $147,479,000 | 2,698 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8718% | 3,738 |
| Cost of funding earning assets | 0.4558% | 3,823 |
| Net interest margin | 3.4159% | 2,589 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.4717% | 2,316 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8472% | 3,031 |
| Return on assets (ROA) | 0.8472% | 2,986 |
| Pretax return on assets | 1.0580% | 2,838 |
| Return on Equity (ROE) | 22.0800% | 576 |
| Retained earnings to average equity (ytd only) | 22.0834% | 283 |
| Net charge-offs to loans | 0.0523% | 842 |
| Credit loss provision to net charge-offs | 157.8947% | 925 |
| Earnings coverage of net charge-offs (x) | 45.4211% | 1,135 |
| Efficiency ratio | 69.2773% | 1,824 |
| Assets per employee ($millions) | 5.2049% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,712 |
| Loan loss allowance to noncurrent loans | 9,671.4286% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,820 |
| Noncurrent loans to loans | 0.0142% | 3,714 |
| Net loans and leases to total assets | 45.1200% | 3,818 |
| Net loans and leases to deposits | 48.4141% | 3,947 |
| Net loans and leases to core deposits | 51.1500% | 3,947 |
| Total domestic deposits to total assets | 93.1900% | 276 |
| Equity capital to assets | 4.3870% | 4,511 |
| Core capital (leverage) ratio | 10.3472% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1844% | 966 |
| Memoranda: | ||
| Average total assets | $314,920,500 | 2,385 |
| Average earning assets | $287,828,500 | 2,409 |
| Average equity | $12,081,500 | 3,565 |
| Average total loans | $145,417,500 | 2,748 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3857% | 3,378 |
| Cost of funding earning assets | 0.2170% | 3,617 |
| Net interest margin | 3.1687% | 2,963 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.4286% | 2,342 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8481% | 3,157 |
| Return on assets (ROA) | 0.8481% | 3,088 |
| Pretax return on assets | 0.9954% | 3,087 |
| Return on Equity (ROE) | 19.0200% | 569 |
| Retained earnings to average equity (ytd only) | 8.4619% | 1,651 |
| Net charge-offs to loans | 0.0625% | 1,025 |
| Credit loss provision to net charge-offs | 139.5349% | 1,345 |
| Earnings coverage of net charge-offs (x) | 38.2674% | 1,533 |
| Efficiency ratio | 70.1578% | 1,664 |
| Assets per employee ($millions) | 5.1189% | 3,580 |
| Cash dividends to net income (ytd only)* | 55.5144% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 1,463 |
| Loan loss allowance to noncurrent loans | 8,416.6667% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 3,826 |
| Noncurrent loans to loans | 0.0168% | 3,715 |
| Net loans and leases to total assets | 45.9700% | 3,804 |
| Net loans and leases to deposits | 49.4723% | 3,921 |
| Net loans and leases to core deposits | 51.1562% | 3,934 |
| Total domestic deposits to total assets | 92.9200% | 424 |
| Equity capital to assets | 3.2578% | 4,585 |
| Core capital (leverage) ratio | 10.2723% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3126% | 929 |
| Memoranda: | ||
| Average total assets | $318,576,800 | 2,362 |
| Average earning assets | $291,729,200 | 2,379 |
| Average equity | $14,204,800 | 3,443 |
| Average total loans | $137,629,000 | 2,757 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1670% | 3,145 |
| Cost of funding earning assets | 0.2064% | 2,834 |
| Net interest margin | 2.9606% | 3,003 |
| Noninterest income to average assets | 0.5821% | 1,816 |
| Noninterest expense to average assets | 2.3264% | 2,471 |
| Loan and lease loss provision to assets | 0.0368% | 1,926 |
| Net operating income to assets | 0.7291% | 3,214 |
| Return on assets (ROA) | 0.7291% | 3,166 |
| Pretax return on assets | 0.9172% | 3,005 |
| Return on Equity (ROE) | 13.5842% | 1,212 |
| Retained earnings to average equity (ytd only) | 13.5842% | 405 |
| Net charge-offs to loans | 0.1015% | 580 |
| Credit loss provision to net charge-offs | 88.2353% | 1,351 |
| Earnings coverage of net charge-offs (x) | 22.8971% | 1,498 |
| Efficiency ratio | 70.9189% | 1,836 |
| Assets per employee ($millions) | 5.2710% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4413% | 1,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 43.4940% | 3,872 |
| Net loans and leases to deposits | 45.7337% | 4,041 |
| Net loans and leases to core deposits | 46.8854% | 4,087 |
| Total domestic deposits to total assets | 95.1027% | 136 |
| Equity capital to assets | 3.3259% | 4,674 |
| Core capital (leverage) ratio | 10.0060% | 2,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7754% | 888 |
| Memoranda: | ||
| Average total assets | $326,422,667 | 2,347 |
| Average earning assets | $297,503,333 | 2,394 |
| Average equity | $17,520,333 | 3,274 |
| Average total loans | $134,008,667 | 2,806 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9954% | 3,272 |
| Cost of funding earning assets | 0.1918% | 2,914 |
| Net interest margin | 2.8036% | 3,128 |
| Noninterest income to average assets | 0.4729% | 2,287 |
| Noninterest expense to average assets | 2.2745% | 2,597 |
| Loan and lease loss provision to assets | 0.0359% | 1,712 |
| Net operating income to assets | 0.5782% | 3,475 |
| Return on assets (ROA) | 0.5782% | 3,449 |
| Pretax return on assets | 0.7350% | 3,294 |
| Return on Equity (ROE) | 9.1525% | 2,267 |
| Retained earnings to average equity (ytd only) | 9.1525% | 1,233 |
| Net charge-offs to loans | 0.1692% | 351 |
| Credit loss provision to net charge-offs | 53.5714% | 1,184 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,435 |
| Efficiency ratio | 74.6855% | 1,658 |
| Assets per employee ($millions) | 5.4715% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 1,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 39.6865% | 4,035 |
| Net loans and leases to deposits | 42.5646% | 4,137 |
| Net loans and leases to core deposits | 43.6396% | 4,181 |
| Total domestic deposits to total assets | 93.2383% | 217 |
| Equity capital to assets | 5.2244% | 4,696 |
| Core capital (leverage) ratio | 9.3942% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5177% | 823 |
| Memoranda: | ||
| Average total assets | $334,140,000 | 2,324 |
| Average earning assets | $306,607,500 | 2,356 |
| Average equity | $21,109,000 | 3,051 |
| Average total loans | $132,393,500 | 2,822 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 2,382 |
| Cost of funding earning assets | 0.2020% | 3,443 |
| Net interest margin | 3.4010% | 2,029 |
| Noninterest income to average assets | 1.0012% | 1,001 |
| Noninterest expense to average assets | 2.4350% | 2,375 |
| Loan and lease loss provision to assets | 0.1704% | 683 |
| Net operating income to assets | 1.2316% | 1,807 |
| Return on assets (ROA) | 1.2398% | 1,836 |
| Pretax return on assets | 1.5292% | 1,623 |
| Return on Equity (ROE) | 14.7041% | 1,021 |
| Retained earnings to average equity (ytd only) | 8.4851% | 1,349 |
| Net charge-offs to loans | 0.1413% | 664 |
| Credit loss provision to net charge-offs | 279.5699% | 1,107 |
| Earnings coverage of net charge-offs (x) | 27.7151% | 1,671 |
| Efficiency ratio | 59.0385% | 3,292 |
| Assets per employee ($millions) | 5.6665% | 3,108 |
| Cash dividends to net income (ytd only)* | 42.2945% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,563 |
| Loan loss allowance to noncurrent loans | 1,551.5625% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 3,755 |
| Noncurrent loans to loans | 0.0966% | 3,444 |
| Net loans and leases to total assets | 38.3994% | 4,164 |
| Net loans and leases to deposits | 42.2060% | 4,267 |
| Net loans and leases to core deposits | 43.0423% | 4,299 |
| Total domestic deposits to total assets | 90.9810% | 497 |
| Equity capital to assets | 7.3728% | 4,629 |
| Core capital (leverage) ratio | 9.4235% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $305,134,600 | 2,409 |
| Average earning assets | $280,210,200 | 2,439 |
| Average equity | $25,727,600 | 2,799 |
| Average total loans | $131,670,200 | 2,837 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 1,892 |
| Cost of funding earning assets | 0.2086% | 3,527 |
| Net interest margin | 3.6513% | 1,459 |
| Noninterest income to average assets | 1.2343% | 755 |
| Noninterest expense to average assets | 2.4712% | 2,203 |
| Loan and lease loss provision to assets | 0.0405% | 2,190 |
| Net operating income to assets | 1.6764% | 873 |
| Return on assets (ROA) | 1.6877% | 894 |
| Pretax return on assets | 2.0911% | 684 |
| Return on Equity (ROE) | 19.3202% | 482 |
| Retained earnings to average equity (ytd only) | 19.3202% | 157 |
| Net charge-offs to loans | 0.0233% | 1,572 |
| Credit loss provision to net charge-offs | 391.3043% | 868 |
| Earnings coverage of net charge-offs (x) | 204.6957% | 546 |
| Efficiency ratio | 53.8522% | 3,833 |
| Assets per employee ($millions) | 5.0594% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,274 |
| Loan loss allowance to noncurrent loans | 236.1264% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 2,582 |
| Noncurrent loans to loans | 0.5677% | 1,890 |
| Net loans and leases to total assets | 41.6746% | 4,113 |
| Net loans and leases to deposits | 46.8825% | 4,190 |
| Net loans and leases to core deposits | 48.0059% | 4,241 |
| Total domestic deposits to total assets | 88.8917% | 1,347 |
| Equity capital to assets | 9.0260% | 3,807 |
| Core capital (leverage) ratio | 10.3836% | 2,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $296,420,250 | 2,473 |
| Average earning assets | $272,333,500 | 2,495 |
| Average equity | $25,892,750 | 2,822 |
| Average total loans | $131,452,500 | 2,873 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 1,184 |
| Cost of funding earning assets | 0.2097% | 3,656 |
| Net interest margin | 3.9935% | 834 |
| Noninterest income to average assets | 0.4067% | 3,072 |
| Noninterest expense to average assets | 2.4718% | 2,234 |
| Loan and lease loss provision to assets | 0.0408% | 2,193 |
| Net operating income to assets | 1.2569% | 2,002 |
| Return on assets (ROA) | 1.2740% | 2,013 |
| Pretax return on assets | 1.5807% | 1,790 |
| Return on Equity (ROE) | 14.7536% | 1,218 |
| Retained earnings to average equity (ytd only) | 14.7536% | 468 |
| Net charge-offs to loans | 0.0015% | 2,168 |
| Credit loss provision to net charge-offs | 6,000.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 2,353.0000% | 39 |
| Efficiency ratio | 60.6982% | 2,914 |
| Assets per employee ($millions) | 5.0149% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,686 |
| Loan loss allowance to noncurrent loans | 402.5882% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 3,308 |
| Noncurrent loans to loans | 0.3101% | 2,815 |
| Net loans and leases to total assets | 44.9832% | 3,976 |
| Net loans and leases to deposits | 50.2838% | 4,090 |
| Net loans and leases to core deposits | 51.5664% | 4,154 |
| Total domestic deposits to total assets | 89.4587% | 1,050 |
| Equity capital to assets | 8.5306% | 4,183 |
| Core capital (leverage) ratio | 9.6934% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $294,038,333 | 2,478 |
| Average earning assets | $269,886,000 | 2,505 |
| Average equity | $25,390,333 | 2,850 |
| Average total loans | $132,527,000 | 2,866 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 949 |
| Cost of funding earning assets | 0.2022% | 3,892 |
| Net interest margin | 4.1607% | 649 |
| Noninterest income to average assets | 0.4129% | 3,025 |
| Noninterest expense to average assets | 2.5147% | 2,142 |
| Loan and lease loss provision to assets | 0.0413% | 2,233 |
| Net operating income to assets | 1.3377% | 1,720 |
| Return on assets (ROA) | 1.3723% | 1,713 |
| Pretax return on assets | 1.6957% | 1,502 |
| Return on Equity (ROE) | 15.7931% | 1,062 |
| Retained earnings to average equity (ytd only) | 15.7931% | 543 |
| Net charge-offs to loans | 0.0123% | 1,504 |
| Credit loss provision to net charge-offs | 750.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 307.7500% | 288 |
| Efficiency ratio | 59.7449% | 3,062 |
| Assets per employee ($millions) | 5.0467% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,516 |
| Loan loss allowance to noncurrent loans | 442.7441% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,252 |
| Noncurrent loans to loans | 0.2895% | 3,067 |
| Net loans and leases to total assets | 42.6741% | 4,191 |
| Net loans and leases to deposits | 47.4304% | 4,286 |
| Net loans and leases to core deposits | 48.5892% | 4,354 |
| Total domestic deposits to total assets | 89.9721% | 834 |
| Equity capital to assets | 7.9150% | 4,537 |
| Core capital (leverage) ratio | 9.8220% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,611,500 | 2,485 |
| Average earning assets | $265,147,000 | 2,520 |
| Average equity | $25,251,500 | 2,855 |
| Average total loans | $130,259,500 | 2,898 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9964% | 2,738 |
| Cost of funding earning assets | 0.2711% | 4,290 |
| Net interest margin | 3.7253% | 1,723 |
| Noninterest income to average assets | 0.4813% | 2,717 |
| Noninterest expense to average assets | 2.7353% | 2,130 |
| Loan and lease loss provision to assets | 0.0471% | 3,809 |
| Net operating income to assets | 0.9068% | 2,666 |
| Return on assets (ROA) | 0.9068% | 2,801 |
| Pretax return on assets | 1.1027% | 2,683 |
| Return on Equity (ROE) | 8.8638% | 2,449 |
| Retained earnings to average equity (ytd only) | 4.2592% | 2,677 |
| Net charge-offs to loans | 0.0763% | 1,720 |
| Credit loss provision to net charge-offs | 116.5049% | 2,668 |
| Earnings coverage of net charge-offs (x) | 28.4369% | 1,658 |
| Efficiency ratio | 70.4052% | 1,893 |
| Assets per employee ($millions) | 4.5642% | 3,853 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 2,548 |
| Loan loss allowance to noncurrent loans | 674.2857% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 3,109 |
| Noncurrent loans to loans | 0.1890% | 3,536 |
| Net loans and leases to total assets | 45.9631% | 4,128 |
| Net loans and leases to deposits | 51.6673% | 4,234 |
| Net loans and leases to core deposits | 53.0188% | 4,297 |
| Total domestic deposits to total assets | 88.9598% | 1,003 |
| Equity capital to assets | 9.5310% | 3,578 |
| Core capital (leverage) ratio | 10.1427% | 2,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,743,600 | 2,549 |
| Average earning assets | $232,759,600 | 2,581 |
| Average equity | $26,061,000 | 2,736 |
| Average total loans | $135,009,000 | 2,803 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 2,408 |
| Cost of funding earning assets | 0.2908% | 4,348 |
| Net interest margin | 3.9069% | 1,334 |
| Noninterest income to average assets | 0.4340% | 2,913 |
| Noninterest expense to average assets | 2.7183% | 2,207 |
| Loan and lease loss provision to assets | 0.0482% | 3,757 |
| Net operating income to assets | 0.9865% | 2,384 |
| Return on assets (ROA) | 0.9865% | 2,520 |
| Pretax return on assets | 1.2308% | 2,286 |
| Return on Equity (ROE) | 9.4618% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.4618% | 873 |
| Net charge-offs to loans | 0.0684% | 1,636 |
| Credit loss provision to net charge-offs | 128.5714% | 2,449 |
| Earnings coverage of net charge-offs (x) | 34.1000% | 1,486 |
| Efficiency ratio | 68.0027% | 2,196 |
| Assets per employee ($millions) | 4.3101% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 2,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 3,479 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 53.7276% | 3,829 |
| Net loans and leases to deposits | 61.0905% | 3,987 |
| Net loans and leases to core deposits | 63.0283% | 4,051 |
| Total domestic deposits to total assets | 87.9475% | 1,237 |
| Equity capital to assets | 10.3367% | 2,932 |
| Core capital (leverage) ratio | 10.7489% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,824,750 | 2,572 |
| Average earning assets | $226,942,500 | 2,600 |
| Average equity | $25,942,250 | 2,738 |
| Average total loans | $136,355,750 | 2,792 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 2,038 |
| Cost of funding earning assets | 0.3052% | 4,463 |
| Net interest margin | 4.1538% | 1,013 |
| Noninterest income to average assets | 0.4448% | 2,827 |
| Noninterest expense to average assets | 2.7961% | 2,106 |
| Loan and lease loss provision to assets | 0.0492% | 3,688 |
| Net operating income to assets | 1.1174% | 1,909 |
| Return on assets (ROA) | 1.1174% | 2,026 |
| Pretax return on assets | 1.3903% | 1,748 |
| Return on Equity (ROE) | 10.6852% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.6852% | 656 |
| Net charge-offs to loans | 0.1088% | 1,204 |
| Credit loss provision to net charge-offs | 82.1918% | 2,495 |
| Earnings coverage of net charge-offs (x) | 24.0685% | 1,585 |
| Efficiency ratio | 66.0155% | 2,515 |
| Assets per employee ($millions) | 4.3021% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 2,885 |
| Loan loss allowance to noncurrent loans | 291.2029% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 2,679 |
| Noncurrent loans to loans | 0.3876% | 3,018 |
| Net loans and leases to total assets | 54.1486% | 3,864 |
| Net loans and leases to deposits | 61.4682% | 4,041 |
| Net loans and leases to core deposits | 63.3031% | 4,113 |
| Total domestic deposits to total assets | 88.0920% | 1,127 |
| Equity capital to assets | 10.1998% | 3,022 |
| Core capital (leverage) ratio | 10.9398% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,127,333 | 2,579 |
| Average earning assets | $222,781,667 | 2,603 |
| Average equity | $25,530,667 | 2,747 |
| Average total loans | $134,169,667 | 2,814 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 3,158 |
| Cost of funding earning assets | 0.3169% | 4,603 |
| Net interest margin | 3.9013% | 1,671 |
| Noninterest income to average assets | 0.5124% | 2,490 |
| Noninterest expense to average assets | 2.9211% | 2,070 |
| Loan and lease loss provision to assets | 0.0511% | 3,139 |
| Net operating income to assets | 0.8784% | 2,587 |
| Return on assets (ROA) | 0.8784% | 2,691 |
| Pretax return on assets | 1.1031% | 2,512 |
| Return on Equity (ROE) | 8.2850% | 2,393 |
| Retained earnings to average equity (ytd only) | 8.2850% | 1,146 |
| Net charge-offs to loans | 0.2875% | 510 |
| Credit loss provision to net charge-offs | 32.2581% | 2,144 |
| Earnings coverage of net charge-offs (x) | 7.2903% | 1,934 |
| Efficiency ratio | 71.6792% | 2,128 |
| Assets per employee ($millions) | 3.8576% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,616 |
| Loan loss allowance to noncurrent loans | 4,248.6486% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,573 |
| Noncurrent loans to loans | 0.0285% | 4,448 |
| Net loans and leases to total assets | 53.6969% | 4,013 |
| Net loans and leases to deposits | 61.3470% | 4,138 |
| Net loans and leases to core deposits | 62.9552% | 4,235 |
| Total domestic deposits to total assets | 87.5299% | 1,312 |
| Equity capital to assets | 10.7023% | 3,138 |
| Core capital (leverage) ratio | 11.2887% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,977,000 | 2,596 |
| Average earning assets | $214,595,500 | 2,620 |
| Average equity | $24,912,500 | 2,781 |
| Average total loans | $129,393,000 | 2,841 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 3,654 |
| Cost of funding earning assets | 0.3222% | 4,676 |
| Net interest margin | 3.9354% | 2,046 |
| Noninterest income to average assets | 0.7486% | 1,633 |
| Noninterest expense to average assets | 2.9443% | 2,158 |
| Loan and lease loss provision to assets | 0.1379% | 1,549 |
| Net operating income to assets | 1.0391% | 2,699 |
| Return on assets (ROA) | 1.0395% | 2,790 |
| Pretax return on assets | 1.2834% | 2,561 |
| Return on Equity (ROE) | 10.2487% | 2,186 |
| Retained earnings to average equity (ytd only) | 4.9374% | 2,452 |
| Net charge-offs to loans | 0.2902% | 719 |
| Credit loss provision to net charge-offs | 86.2534% | 2,706 |
| Earnings coverage of net charge-offs (x) | 8.8868% | 2,722 |
| Efficiency ratio | 67.4499% | 2,537 |
| Assets per employee ($millions) | 3.7223% | 4,246 |
| Cash dividends to net income (ytd only)* | 51.8242% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,069 |
| Loan loss allowance to noncurrent loans | 2,335.7143% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 2,763 |
| Noncurrent loans to loans | 0.0544% | 4,330 |
| Net loans and leases to total assets | 55.0957% | 3,990 |
| Net loans and leases to deposits | 62.6832% | 4,159 |
| Net loans and leases to core deposits | 64.6253% | 4,254 |
| Total domestic deposits to total assets | 87.8955% | 1,177 |
| Equity capital to assets | 10.4982% | 3,445 |
| Core capital (leverage) ratio | 11.3470% | 2,218 |
| Tier 1 risk-based capital ratio | 18.2541% | 1,700 |
| Total risk-based capital ratio | 19.3961% | 1,680 |
| Memoranda: | ||
| Average total assets | $232,040,800 | 2,562 |
| Average earning assets | $213,244,600 | 2,580 |
| Average equity | $23,534,800 | 2,835 |
| Average total loans | $127,837,400 | 2,845 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 3,760 |
| Cost of funding earning assets | 0.3207% | 4,748 |
| Net interest margin | 3.9468% | 2,113 |
| Noninterest income to average assets | 0.6754% | 1,888 |
| Noninterest expense to average assets | 2.8892% | 2,295 |
| Loan and lease loss provision to assets | 0.0516% | 2,873 |
| Net operating income to assets | 1.0927% | 2,600 |
| Return on assets (ROA) | 1.0931% | 2,691 |
| Pretax return on assets | 1.3645% | 2,443 |
| Return on Equity (ROE) | 10.8723% | 2,068 |
| Retained earnings to average equity (ytd only) | 10.8723% | 552 |
| Net charge-offs to loans | 0.1285% | 1,234 |
| Credit loss provision to net charge-offs | 73.1707% | 2,585 |
| Earnings coverage of net charge-offs (x) | 20.0564% | 1,975 |
| Efficiency ratio | 67.1154% | 2,568 |
| Assets per employee ($millions) | 3.7031% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,061 |
| Loan loss allowance to noncurrent loans | 222.4764% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 2,624 |
| Noncurrent loans to loans | 0.5753% | 2,575 |
| Net loans and leases to total assets | 55.5320% | 4,075 |
| Net loans and leases to deposits | 63.5819% | 4,205 |
| Net loans and leases to core deposits | 66.0524% | 4,273 |
| Total domestic deposits to total assets | 87.3393% | 1,351 |
| Equity capital to assets | 10.8959% | 3,200 |
| Core capital (leverage) ratio | 11.7412% | 2,047 |
| Tier 1 risk-based capital ratio | 18.4998% | 1,686 |
| Total risk-based capital ratio | 19.6375% | 1,682 |
| Memoranda: | ||
| Average total assets | $232,355,500 | 2,585 |
| Average earning assets | $213,670,750 | 2,600 |
| Average equity | $23,361,500 | 2,863 |
| Average total loans | $127,600,250 | 2,884 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 3,832 |
| Cost of funding earning assets | 0.3062% | 4,812 |
| Net interest margin | 3.9283% | 2,160 |
| Noninterest income to average assets | 0.7442% | 1,544 |
| Noninterest expense to average assets | 2.8764% | 2,339 |
| Loan and lease loss provision to assets | 0.0514% | 2,785 |
| Net operating income to assets | 1.1583% | 2,297 |
| Return on assets (ROA) | 1.1583% | 2,368 |
| Pretax return on assets | 1.4455% | 2,049 |
| Return on Equity (ROE) | 11.8457% | 1,642 |
| Retained earnings to average equity (ytd only) | 11.8457% | 424 |
| Net charge-offs to loans | 0.0220% | 2,407 |
| Credit loss provision to net charge-offs | 428.5714% | 669 |
| Earnings coverage of net charge-offs (x) | 124.7143% | 587 |
| Efficiency ratio | 65.7714% | 2,844 |
| Assets per employee ($millions) | 3.8133% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 1,841 |
| Loan loss allowance to noncurrent loans | 152.7337% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4875% | 2,594 |
| Noncurrent loans to loans | 0.8790% | 1,846 |
| Net loans and leases to total assets | 54.7197% | 4,163 |
| Net loans and leases to deposits | 62.4221% | 4,313 |
| Net loans and leases to core deposits | 64.9271% | 4,366 |
| Total domestic deposits to total assets | 87.6608% | 1,265 |
| Equity capital to assets | 10.4493% | 3,563 |
| Core capital (leverage) ratio | 11.3109% | 2,327 |
| Tier 1 risk-based capital ratio | 18.1545% | 1,764 |
| Total risk-based capital ratio | 19.3490% | 1,737 |
| Memoranda: | ||
| Average total assets | $233,276,670 | 2,591 |
| Average earning assets | $215,515,000 | 2,596 |
| Average equity | $22,810,000 | 2,901 |
| Average total loans | $127,083,670 | 2,907 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 3,952 |
| Cost of funding earning assets | 0.2986% | 4,854 |
| Net interest margin | 3.8747% | 2,267 |
| Noninterest income to average assets | 0.9554% | 908 |
| Noninterest expense to average assets | 2.9605% | 2,104 |
| Loan and lease loss provision to assets | 0.0514% | 2,627 |
| Net operating income to assets | 1.2362% | 1,929 |
| Return on assets (ROA) | 1.2362% | 1,978 |
| Pretax return on assets | 1.5427% | 1,628 |
| Return on Equity (ROE) | 13.0904% | 1,183 |
| Retained earnings to average equity (ytd only) | 13.0904% | 446 |
| Net charge-offs to loans | 0.0285% | 1,889 |
| Credit loss provision to net charge-offs | 333.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 103.4444% | 653 |
| Efficiency ratio | 65.0000% | 3,086 |
| Assets per employee ($millions) | 3.9409% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,870 |
| Loan loss allowance to noncurrent loans | 346.2475% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 3,795 |
| Noncurrent loans to loans | 0.3901% | 3,189 |
| Net loans and leases to total assets | 51.8676% | 4,344 |
| Net loans and leases to deposits | 58.8494% | 4,466 |
| Net loans and leases to core deposits | 60.8489% | 4,538 |
| Total domestic deposits to total assets | 88.1361% | 1,264 |
| Equity capital to assets | 9.4687% | 4,288 |
| Core capital (leverage) ratio | 11.1710% | 2,412 |
| Tier 1 risk-based capital ratio | 17.7388% | 1,875 |
| Total risk-based capital ratio | 18.9172% | 1,848 |
| Memoranda: | ||
| Average total assets | $233,610,500 | 2,612 |
| Average earning assets | $216,998,000 | 2,609 |
| Average equity | $22,062,000 | 2,966 |
| Average total loans | $126,118,000 | 2,948 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 3,440 |
| Cost of funding earning assets | 0.2338% | 4,877 |
| Net interest margin | 3.9694% | 2,095 |
| Noninterest income to average assets | 0.8708% | 1,260 |
| Noninterest expense to average assets | 2.9713% | 2,133 |
| Loan and lease loss provision to assets | 0.0526% | 3,132 |
| Net operating income to assets | 1.2141% | 2,111 |
| Return on assets (ROA) | 1.2170% | 2,089 |
| Pretax return on assets | 1.4593% | 1,918 |
| Return on Equity (ROE) | 13.0407% | 1,333 |
| Retained earnings to average equity (ytd only) | 6.4664% | 1,942 |
| Net charge-offs to loans | 0.0235% | 2,939 |
| Credit loss provision to net charge-offs | 413.7931% | 802 |
| Earnings coverage of net charge-offs (x) | 118.6897% | 659 |
| Efficiency ratio | 66.3275% | 2,820 |
| Assets per employee ($millions) | 3.6585% | 4,381 |
| Cash dividends to net income (ytd only)* | 50.4141% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,874 |
| Loan loss allowance to noncurrent loans | 643.5115% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 4,252 |
| Noncurrent loans to loans | 0.2082% | 3,835 |
| Net loans and leases to total assets | 54.7362% | 4,229 |
| Net loans and leases to deposits | 62.5048% | 4,347 |
| Net loans and leases to core deposits | 64.6150% | 4,426 |
| Total domestic deposits to total assets | 87.5712% | 1,497 |
| Equity capital to assets | 9.4177% | 4,198 |
| Core capital (leverage) ratio | 11.1714% | 2,377 |
| Tier 1 risk-based capital ratio | 17.3835% | 1,926 |
| Total risk-based capital ratio | 18.5571% | 1,908 |
| Memoranda: | ||
| Average total assets | $228,184,200 | 2,627 |
| Average earning assets | $207,460,600 | 2,658 |
| Average equity | $21,294,800 | 2,957 |
| Average total loans | $123,314,600 | 2,960 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1638% | 3,425 |
| Cost of funding earning assets | 0.2095% | 4,984 |
| Net interest margin | 3.9543% | 2,109 |
| Noninterest income to average assets | 0.9714% | 1,010 |
| Noninterest expense to average assets | 2.9341% | 2,218 |
| Loan and lease loss provision to assets | 0.0525% | 2,933 |
| Net operating income to assets | 1.3008% | 1,856 |
| Return on assets (ROA) | 1.3052% | 1,842 |
| Pretax return on assets | 1.5805% | 1,636 |
| Return on Equity (ROE) | 14.0172% | 1,116 |
| Retained earnings to average equity (ytd only) | 14.0172% | 245 |
| Net charge-offs to loans | 0.0109% | 3,033 |
| Credit loss provision to net charge-offs | 900.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 279.0630% | 330 |
| Efficiency ratio | 64.3177% | 3,129 |
| Assets per employee ($millions) | 3.5939% | 4,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 1,909 |
| Loan loss allowance to noncurrent loans | 41,875.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,033 |
| Noncurrent loans to loans | 0.0032% | 4,932 |
| Net loans and leases to total assets | 55.2410% | 4,278 |
| Net loans and leases to deposits | 63.8987% | 4,333 |
| Net loans and leases to core deposits | 66.1347% | 4,403 |
| Total domestic deposits to total assets | 86.4509% | 1,995 |
| Equity capital to assets | 9.6728% | 3,934 |
| Core capital (leverage) ratio | 11.6164% | 2,075 |
| Tier 1 risk-based capital ratio | 18.1858% | 1,745 |
| Total risk-based capital ratio | 19.3650% | 1,714 |
| Memoranda: | ||
| Average total assets | $228,523,250 | 2,634 |
| Average earning assets | $207,498,750 | 2,672 |
| Average equity | $21,278,000 | 2,977 |
| Average total loans | $122,682,500 | 2,993 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 3,487 |
| Cost of funding earning assets | 0.1968% | 5,043 |
| Net interest margin | 3.8932% | 2,222 |
| Noninterest income to average assets | 0.9791% | 993 |
| Noninterest expense to average assets | 2.9381% | 2,239 |
| Loan and lease loss provision to assets | 0.0521% | 2,874 |
| Net operating income to assets | 1.2820% | 1,849 |
| Return on assets (ROA) | 1.2820% | 1,854 |
| Pretax return on assets | 1.5259% | 1,725 |
| Return on Equity (ROE) | 13.9430% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.9430% | 284 |
| Net charge-offs to loans | -0.0082% | 4,253 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0586% | 3,149 |
| Assets per employee ($millions) | 3.7810% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 2,041 |
| Loan loss allowance to noncurrent loans | 1,031.0559% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,667 |
| Noncurrent loans to loans | 0.1288% | 4,330 |
| Net loans and leases to total assets | 53.4962% | 4,376 |
| Net loans and leases to deposits | 59.9482% | 4,532 |
| Net loans and leases to core deposits | 61.4757% | 4,632 |
| Total domestic deposits to total assets | 89.2373% | 836 |
| Equity capital to assets | 9.2404% | 4,343 |
| Core capital (leverage) ratio | 10.9163% | 2,588 |
| Tier 1 risk-based capital ratio | 17.3260% | 1,992 |
| Total risk-based capital ratio | 18.4731% | 1,977 |
| Memoranda: | ||
| Average total assets | $230,424,330 | 2,635 |
| Average earning assets | $209,340,670 | 2,675 |
| Average equity | $21,186,330 | 3,001 |
| Average total loans | $121,989,000 | 3,013 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,520 |
| Cost of funding earning assets | 0.1869% | 5,090 |
| Net interest margin | 3.8390% | 2,265 |
| Noninterest income to average assets | 1.4293% | 463 |
| Noninterest expense to average assets | 2.9333% | 2,245 |
| Loan and lease loss provision to assets | 0.0521% | 2,729 |
| Net operating income to assets | 1.6673% | 740 |
| Return on assets (ROA) | 1.6673% | 742 |
| Pretax return on assets | 1.9399% | 660 |
| Return on Equity (ROE) | 18.1788% | 393 |
| Retained earnings to average equity (ytd only) | 18.1788% | 146 |
| Net charge-offs to loans | -0.0598% | 5,047 |
| Credit loss provision to net charge-offs | -166.6667% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5557% | 4,121 |
| Assets per employee ($millions) | 3.8531% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 1,978 |
| Loan loss allowance to noncurrent loans | 2,381.1594% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,960 |
| Noncurrent loans to loans | 0.0572% | 4,717 |
| Net loans and leases to total assets | 50.5927% | 4,518 |
| Net loans and leases to deposits | 56.4550% | 4,671 |
| Net loans and leases to core deposits | 57.8595% | 4,761 |
| Total domestic deposits to total assets | 89.6159% | 831 |
| Equity capital to assets | 8.9163% | 4,640 |
| Core capital (leverage) ratio | 10.7313% | 2,708 |
| Tier 1 risk-based capital ratio | 17.1956% | 2,056 |
| Total risk-based capital ratio | 18.3461% | 2,042 |
| Memoranda: | ||
| Average total assets | $230,317,000 | 2,661 |
| Average earning assets | $209,739,500 | 2,696 |
| Average equity | $21,123,500 | 3,030 |
| Average total loans | $120,462,000 | 3,061 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 3,215 |
| Cost of funding earning assets | 0.1733% | 5,135 |
| Net interest margin | 3.8838% | 2,138 |
| Noninterest income to average assets | 0.6015% | 2,440 |
| Noninterest expense to average assets | 2.8892% | 2,491 |
| Loan and lease loss provision to assets | 0.0526% | 3,178 |
| Net operating income to assets | 0.7991% | 3,162 |
| Return on assets (ROA) | 0.7991% | 3,207 |
| Pretax return on assets | 1.1741% | 2,874 |
| Return on Equity (ROE) | 8.4961% | 2,546 |
| Retained earnings to average equity (ytd only) | 3.8382% | 2,915 |
| Net charge-offs to loans | 0.1537% | 1,573 |
| Credit loss provision to net charge-offs | 64.5161% | 3,167 |
| Earnings coverage of net charge-offs (x) | 15.0538% | 2,272 |
| Efficiency ratio | 70.1969% | 2,517 |
| Assets per employee ($millions) | 3.6386% | 4,521 |
| Cash dividends to net income (ytd only)* | 54.8246% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 2,090 |
| Loan loss allowance to noncurrent loans | 13,291.6667% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,169 |
| Noncurrent loans to loans | 0.0100% | 4,996 |
| Net loans and leases to total assets | 52.6490% | 4,473 |
| Net loans and leases to deposits | 59.0955% | 4,636 |
| Net loans and leases to core deposits | 60.7564% | 4,716 |
| Total domestic deposits to total assets | 89.0914% | 969 |
| Equity capital to assets | 9.4374% | 4,286 |
| Core capital (leverage) ratio | 10.4432% | 2,908 |
| Tier 1 risk-based capital ratio | 16.7791% | 2,164 |
| Total risk-based capital ratio | 17.9133% | 2,159 |
| Memoranda: | ||
| Average total assets | $228,265,800 | 2,650 |
| Average earning assets | $206,550,200 | 2,708 |
| Average equity | $21,468,600 | 2,997 |
| Average total loans | $121,043,800 | 3,046 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 3,249 |
| Cost of funding earning assets | 0.1727% | 5,177 |
| Net interest margin | 3.8574% | 2,195 |
| Noninterest income to average assets | 0.5929% | 2,516 |
| Noninterest expense to average assets | 2.8782% | 2,476 |
| Loan and lease loss provision to assets | 0.0524% | 3,051 |
| Net operating income to assets | 0.8474% | 3,282 |
| Return on assets (ROA) | 0.8474% | 3,334 |
| Pretax return on assets | 1.1479% | 3,126 |
| Return on Equity (ROE) | 9.0175% | 2,585 |
| Retained earnings to average equity (ytd only) | 9.0175% | 831 |
| Net charge-offs to loans | 0.1529% | 1,328 |
| Credit loss provision to net charge-offs | 64.7482% | 2,751 |
| Earnings coverage of net charge-offs (x) | 14.8272% | 2,271 |
| Efficiency ratio | 70.5698% | 2,441 |
| Assets per employee ($millions) | 3.6865% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,355 |
| Loan loss allowance to noncurrent loans | 1,661.8557% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 5,020 |
| Noncurrent loans to loans | 0.0782% | 4,764 |
| Net loans and leases to total assets | 53.5474% | 4,450 |
| Net loans and leases to deposits | 60.4284% | 4,619 |
| Net loans and leases to core deposits | 63.6778% | 4,618 |
| Total domestic deposits to total assets | 88.6131% | 1,062 |
| Equity capital to assets | 9.8294% | 4,105 |
| Core capital (leverage) ratio | 10.7340% | 2,721 |
| Tier 1 risk-based capital ratio | 16.9884% | 2,156 |
| Total risk-based capital ratio | 18.1188% | 2,152 |
| Memoranda: | ||
| Average total assets | $228,934,250 | 2,671 |
| Average earning assets | $206,872,250 | 2,719 |
| Average equity | $21,513,250 | 3,019 |
| Average total loans | $121,213,000 | 3,062 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9813% | 3,275 |
| Cost of funding earning assets | 0.1699% | 5,209 |
| Net interest margin | 3.8114% | 2,247 |
| Noninterest income to average assets | 0.5972% | 2,474 |
| Noninterest expense to average assets | 2.8936% | 2,445 |
| Loan and lease loss provision to assets | 0.0524% | 2,936 |
| Net operating income to assets | 0.8120% | 3,347 |
| Return on assets (ROA) | 0.8120% | 3,399 |
| Pretax return on assets | 1.0984% | 3,188 |
| Return on Equity (ROE) | 8.7754% | 2,617 |
| Retained earnings to average equity (ytd only) | 8.7754% | 907 |
| Net charge-offs to loans | -0.0249% | 4,866 |
| Credit loss provision to net charge-offs | -400.0000% | 4,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5458% | 2,429 |
| Assets per employee ($millions) | 3.6706% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 1,985 |
| Loan loss allowance to noncurrent loans | 304.5614% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 4,125 |
| Noncurrent loans to loans | 0.4569% | 3,375 |
| Net loans and leases to total assets | 54.0597% | 4,385 |
| Net loans and leases to deposits | 60.9045% | 4,565 |
| Net loans and leases to core deposits | 63.9670% | 4,606 |
| Total domestic deposits to total assets | 88.7616% | 1,075 |
| Equity capital to assets | 9.7023% | 4,223 |
| Core capital (leverage) ratio | 10.3700% | 3,050 |
| Tier 1 risk-based capital ratio | 16.5476% | 2,301 |
| Total risk-based capital ratio | 17.7596% | 2,266 |
| Memoranda: | ||
| Average total assets | $229,059,000 | 2,690 |
| Average earning assets | $207,170,330 | 2,731 |
| Average equity | $21,195,670 | 3,050 |
| Average total loans | $120,284,000 | 3,088 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 3,444 |
| Cost of funding earning assets | 0.1694% | 5,244 |
| Net interest margin | 3.7163% | 2,436 |
| Noninterest income to average assets | 0.6179% | 2,334 |
| Noninterest expense to average assets | 2.9243% | 2,383 |
| Loan and lease loss provision to assets | 0.0522% | 2,769 |
| Net operating income to assets | 0.7380% | 3,527 |
| Return on assets (ROA) | 0.7380% | 3,578 |
| Pretax return on assets | 1.0009% | 3,365 |
| Return on Equity (ROE) | 8.1721% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.1721% | 1,389 |
| Net charge-offs to loans | -0.0610% | 5,270 |
| Credit loss provision to net charge-offs | -166.6667% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5230% | 2,316 |
| Assets per employee ($millions) | 3.7306% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,873 |
| Loan loss allowance to noncurrent loans | 1,857.6087% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 5,151 |
| Noncurrent loans to loans | 0.0779% | 4,889 |
| Net loans and leases to total assets | 49.5166% | 4,714 |
| Net loans and leases to deposits | 55.2199% | 4,863 |
| Net loans and leases to core deposits | 58.2771% | 4,866 |
| Total domestic deposits to total assets | 89.6718% | 810 |
| Equity capital to assets | 8.9288% | 4,877 |
| Core capital (leverage) ratio | 10.1736% | 3,279 |
| Tier 1 risk-based capital ratio | 16.5083% | 2,356 |
| Total risk-based capital ratio | 17.7246% | 2,314 |
| Memoranda: | ||
| Average total assets | $229,800,500 | 2,708 |
| Average earning assets | $207,731,000 | 2,751 |
| Average equity | $20,753,500 | 3,099 |
| Average total loans | $118,044,500 | 3,139 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 3,374 |
| Cost of funding earning assets | 0.1717% | 5,275 |
| Net interest margin | 3.7811% | 2,387 |
| Noninterest income to average assets | 0.6117% | 2,600 |
| Noninterest expense to average assets | 2.9799% | 2,409 |
| Loan and lease loss provision to assets | 0.0531% | 3,321 |
| Net operating income to assets | 0.7377% | 3,602 |
| Return on assets (ROA) | 0.7370% | 3,718 |
| Pretax return on assets | 0.9698% | 3,584 |
| Return on Equity (ROE) | 7.7031% | 3,113 |
| Retained earnings to average equity (ytd only) | 3.1923% | 3,637 |
| Net charge-offs to loans | 0.0939% | 2,374 |
| Credit loss provision to net charge-offs | 109.0909% | 2,406 |
| Earnings coverage of net charge-offs (x) | 21.0273% | 1,820 |
| Efficiency ratio | 74.4279% | 2,238 |
| Assets per employee ($millions) | 3.5090% | 4,747 |
| Cash dividends to net income (ytd only)* | 58.5586% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 2,045 |
| Loan loss allowance to noncurrent loans | 555.5184% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 4,782 |
| Noncurrent loans to loans | 0.2534% | 4,245 |
| Net loans and leases to total assets | 51.8054% | 4,627 |
| Net loans and leases to deposits | 57.7663% | 4,809 |
| Net loans and leases to core deposits | 61.3275% | 4,790 |
| Total domestic deposits to total assets | 89.6810% | 777 |
| Equity capital to assets | 9.1381% | 4,661 |
| Core capital (leverage) ratio | 10.1295% | 3,331 |
| Tier 1 risk-based capital ratio | 16.5150% | 2,346 |
| Total risk-based capital ratio | 17.7196% | 2,298 |
| Memoranda: | ||
| Average total assets | $225,915,000 | 2,701 |
| Average earning assets | $202,667,600 | 2,762 |
| Average equity | $21,614,600 | 3,013 |
| Average total loans | $117,205,800 | 3,110 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9569% | 3,386 |
| Cost of funding earning assets | 0.1719% | 5,332 |
| Net interest margin | 3.7850% | 2,386 |
| Noninterest income to average assets | 0.6152% | 2,588 |
| Noninterest expense to average assets | 2.9595% | 2,432 |
| Loan and lease loss provision to assets | 0.0530% | 3,197 |
| Net operating income to assets | 0.7328% | 3,683 |
| Return on assets (ROA) | 0.7319% | 3,820 |
| Pretax return on assets | 0.9877% | 3,674 |
| Return on Equity (ROE) | 7.5657% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.5657% | 1,370 |
| Net charge-offs to loans | 0.0729% | 2,273 |
| Credit loss provision to net charge-offs | 140.6250% | 1,859 |
| Earnings coverage of net charge-offs (x) | 27.6253% | 1,562 |
| Efficiency ratio | 73.9617% | 2,294 |
| Assets per employee ($millions) | 3.6146% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 2,189 |
| Loan loss allowance to noncurrent loans | 430.0000% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 4,763 |
| Noncurrent loans to loans | 0.3261% | 4,090 |
| Net loans and leases to total assets | 50.9741% | 4,737 |
| Net loans and leases to deposits | 57.4784% | 4,906 |
| Net loans and leases to core deposits | 61.0408% | 4,889 |
| Total domestic deposits to total assets | 88.6839% | 1,056 |
| Equity capital to assets | 9.8260% | 4,331 |
| Core capital (leverage) ratio | 9.8257% | 3,780 |
| Tier 1 risk-based capital ratio | 16.8357% | 2,284 |
| Total risk-based capital ratio | 18.0462% | 2,255 |
| Memoranda: | ||
| Average total assets | $226,250,000 | 2,711 |
| Average earning assets | $202,406,750 | 2,777 |
| Average equity | $21,887,750 | 3,021 |
| Average total loans | $117,006,500 | 3,117 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 3,615 |
| Cost of funding earning assets | 0.1702% | 5,408 |
| Net interest margin | 3.7281% | 2,586 |
| Noninterest income to average assets | 0.5958% | 2,641 |
| Noninterest expense to average assets | 2.9792% | 2,414 |
| Loan and lease loss provision to assets | 0.0534% | 3,079 |
| Net operating income to assets | 0.6791% | 3,901 |
| Return on assets (ROA) | 0.6778% | 4,048 |
| Pretax return on assets | 0.9174% | 3,890 |
| Return on Equity (ROE) | 7.0441% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.0441% | 1,577 |
| Net charge-offs to loans | 0.1050% | 1,776 |
| Credit loss provision to net charge-offs | 98.3607% | 2,150 |
| Earnings coverage of net charge-offs (x) | 17.9016% | 1,855 |
| Efficiency ratio | 75.3888% | 2,166 |
| Assets per employee ($millions) | 3.6036% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 2,377 |
| Loan loss allowance to noncurrent loans | 593.5252% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 4,952 |
| Noncurrent loans to loans | 0.2326% | 4,509 |
| Net loans and leases to total assets | 51.0983% | 4,755 |
| Net loans and leases to deposits | 57.9701% | 4,903 |
| Net loans and leases to core deposits | 61.5951% | 4,907 |
| Total domestic deposits to total assets | 88.1459% | 1,358 |
| Equity capital to assets | 9.7173% | 4,543 |
| Core capital (leverage) ratio | 10.1514% | 3,383 |
| Tier 1 risk-based capital ratio | 16.4903% | 2,434 |
| Total risk-based capital ratio | 17.6814% | 2,396 |
| Memoranda: | ||
| Average total assets | $224,555,000 | 2,738 |
| Average earning assets | $202,142,330 | 2,791 |
| Average equity | $21,606,670 | 3,047 |
| Average total loans | $116,142,670 | 3,138 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 3,508 |
| Cost of funding earning assets | 0.1687% | 5,478 |
| Net interest margin | 3.7520% | 2,473 |
| Noninterest income to average assets | 0.6356% | 2,341 |
| Noninterest expense to average assets | 3.0770% | 2,155 |
| Loan and lease loss provision to assets | 0.0542% | 2,857 |
| Net operating income to assets | 0.6492% | 3,978 |
| Return on assets (ROA) | 0.6519% | 4,088 |
| Pretax return on assets | 0.8812% | 3,924 |
| Return on Equity (ROE) | 6.8099% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.8099% | 1,972 |
| Net charge-offs to loans | 0.0734% | 1,747 |
| Credit loss provision to net charge-offs | 142.8571% | 1,304 |
| Earnings coverage of net charge-offs (x) | 24.5714% | 1,325 |
| Efficiency ratio | 76.7568% | 2,071 |
| Assets per employee ($millions) | 3.5027% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 2,170 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 5,196 |
| Noncurrent loans to loans | 0.1457% | 4,892 |
| Net loans and leases to total assets | 49.3227% | 4,859 |
| Net loans and leases to deposits | 56.1775% | 4,972 |
| Net loans and leases to core deposits | 59.3995% | 4,975 |
| Total domestic deposits to total assets | 87.7980% | 1,749 |
| Equity capital to assets | 9.4920% | 4,674 |
| Core capital (leverage) ratio | 10.1756% | 3,341 |
| Tier 1 risk-based capital ratio | 16.7147% | 2,393 |
| Total risk-based capital ratio | 17.9510% | 2,342 |
| Memoranda: | ||
| Average total assets | $221,517,500 | 2,769 |
| Average earning assets | $199,149,500 | 2,825 |
| Average equity | $21,204,500 | 3,086 |
| Average total loans | $114,465,000 | 3,175 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 3,570 |
| Cost of funding earning assets | 0.1706% | 5,532 |
| Net interest margin | 3.7681% | 2,491 |
| Noninterest income to average assets | 0.6321% | 2,554 |
| Noninterest expense to average assets | 2.9969% | 2,558 |
| Loan and lease loss provision to assets | 0.1143% | 2,096 |
| Net operating income to assets | 0.7545% | 3,550 |
| Return on assets (ROA) | 0.7651% | 3,583 |
| Pretax return on assets | 0.9447% | 3,676 |
| Return on Equity (ROE) | 7.8401% | 3,046 |
| Retained earnings to average equity (ytd only) | 3.1790% | 3,792 |
| Net charge-offs to loans | 0.1234% | 2,137 |
| Credit loss provision to net charge-offs | 178.8321% | 1,517 |
| Earnings coverage of net charge-offs (x) | 16.3650% | 2,135 |
| Efficiency ratio | 74.1288% | 2,563 |
| Assets per employee ($millions) | 3.2630% | 5,203 |
| Cash dividends to net income (ytd only)* | 59.4512% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 2,269 |
| Loan loss allowance to noncurrent loans | 873.5450% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 5,141 |
| Noncurrent loans to loans | 0.1644% | 4,832 |
| Net loans and leases to total assets | 52.6205% | 4,644 |
| Net loans and leases to deposits | 59.9993% | 4,780 |
| Net loans and leases to core deposits | 63.6965% | 4,751 |
| Total domestic deposits to total assets | 87.7019% | 1,791 |
| Equity capital to assets | 9.6574% | 4,361 |
| Core capital (leverage) ratio | 10.4167% | 3,038 |
| Tier 1 risk-based capital ratio | 16.7358% | 2,384 |
| Total risk-based capital ratio | 17.9855% | 2,330 |
| Memoranda: | ||
| Average total assets | $214,357,200 | 2,797 |
| Average earning assets | $194,021,600 | 2,843 |
| Average equity | $20,918,200 | 3,080 |
| Average total loans | $111,054,200 | 3,181 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 3,709 |
| Cost of funding earning assets | 0.1709% | 5,622 |
| Net interest margin | 3.7409% | 2,609 |
| Noninterest income to average assets | 0.6346% | 2,560 |
| Noninterest expense to average assets | 3.0128% | 2,481 |
| Loan and lease loss provision to assets | 0.0560% | 3,073 |
| Net operating income to assets | 0.7224% | 3,806 |
| Return on assets (ROA) | 0.7354% | 3,845 |
| Pretax return on assets | 0.9777% | 3,706 |
| Return on Equity (ROE) | 7.5168% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.5168% | 1,440 |
| Net charge-offs to loans | 0.1405% | 1,714 |
| Credit loss provision to net charge-offs | 77.5862% | 2,651 |
| Earnings coverage of net charge-offs (x) | 14.0692% | 2,272 |
| Efficiency ratio | 74.7759% | 2,437 |
| Assets per employee ($millions) | 3.1980% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 2,847 |
| Loan loss allowance to noncurrent loans | 677.2321% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 5,227 |
| Noncurrent loans to loans | 0.1994% | 4,847 |
| Net loans and leases to total assets | 52.4935% | 4,708 |
| Net loans and leases to deposits | 59.9706% | 4,862 |
| Net loans and leases to core deposits | 63.6371% | 4,837 |
| Total domestic deposits to total assets | 87.5321% | 1,787 |
| Equity capital to assets | 10.1478% | 3,997 |
| Core capital (leverage) ratio | 10.7074% | 2,814 |
| Tier 1 risk-based capital ratio | 17.3857% | 2,219 |
| Total risk-based capital ratio | 18.5528% | 2,211 |
| Memoranda: | ||
| Average total assets | $214,106,750 | 2,826 |
| Average earning assets | $194,277,750 | 2,861 |
| Average equity | $20,948,250 | 3,096 |
| Average total loans | $110,074,250 | 3,230 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 3,958 |
| Cost of funding earning assets | 0.1700% | 5,693 |
| Net interest margin | 3.6594% | 2,874 |
| Noninterest income to average assets | 0.6396% | 2,529 |
| Noninterest expense to average assets | 3.0095% | 2,524 |
| Loan and lease loss provision to assets | 0.0558% | 2,990 |
| Net operating income to assets | 0.6750% | 4,003 |
| Return on assets (ROA) | 0.6945% | 4,031 |
| Pretax return on assets | 0.9223% | 3,873 |
| Return on Equity (ROE) | 7.1857% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.1857% | 1,625 |
| Net charge-offs to loans | 0.2049% | 1,228 |
| Credit loss provision to net charge-offs | 53.5714% | 2,663 |
| Earnings coverage of net charge-offs (x) | 9.1429% | 2,488 |
| Efficiency ratio | 75.9681% | 2,363 |
| Assets per employee ($millions) | 3.2410% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 3,026 |
| Loan loss allowance to noncurrent loans | 2,923.5294% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 5,666 |
| Noncurrent loans to loans | 0.0459% | 5,566 |
| Net loans and leases to total assets | 51.2683% | 4,820 |
| Net loans and leases to deposits | 57.4612% | 5,029 |
| Net loans and leases to core deposits | 61.2087% | 4,992 |
| Total domestic deposits to total assets | 89.2225% | 1,039 |
| Equity capital to assets | 9.5882% | 4,546 |
| Core capital (leverage) ratio | 10.3190% | 3,196 |
| Tier 1 risk-based capital ratio | 17.1833% | 2,337 |
| Total risk-based capital ratio | 18.3393% | 2,317 |
| Memoranda: | ||
| Average total assets | $215,119,000 | 2,834 |
| Average earning assets | $195,278,670 | 2,872 |
| Average equity | $20,791,330 | 3,132 |
| Average total loans | $109,327,330 | 3,264 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,136 |
| Cost of funding earning assets | 0.1680% | 5,789 |
| Net interest margin | 3.6003% | 3,002 |
| Noninterest income to average assets | 0.6620% | 2,353 |
| Noninterest expense to average assets | 3.0409% | 2,451 |
| Loan and lease loss provision to assets | 0.0556% | 2,820 |
| Net operating income to assets | 0.6360% | 4,106 |
| Return on assets (ROA) | 0.6360% | 4,231 |
| Pretax return on assets | 0.8233% | 4,156 |
| Return on Equity (ROE) | 6.5546% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.5546% | 2,208 |
| Net charge-offs to loans | 0.0664% | 2,072 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 26.3333% | 1,244 |
| Efficiency ratio | 77.5781% | 2,252 |
| Assets per employee ($millions) | 3.2031% | 5,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 2,708 |
| Loan loss allowance to noncurrent loans | 358.2949% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,997 |
| Noncurrent loans to loans | 0.4033% | 4,385 |
| Net loans and leases to total assets | 48.6943% | 4,964 |
| Net loans and leases to deposits | 54.7481% | 5,144 |
| Net loans and leases to core deposits | 58.3001% | 5,099 |
| Total domestic deposits to total assets | 88.9424% | 1,309 |
| Equity capital to assets | 9.7464% | 4,437 |
| Core capital (leverage) ratio | 10.0356% | 3,552 |
| Tier 1 risk-based capital ratio | 16.9973% | 2,480 |
| Total risk-based capital ratio | 18.2120% | 2,445 |
| Memoranda: | ||
| Average total assets | $215,724,500 | 2,845 |
| Average earning assets | $195,207,500 | 2,891 |
| Average equity | $20,932,000 | 3,142 |
| Average total loans | $108,412,000 | 3,291 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 4,171 |
| Cost of funding earning assets | 0.1881% | 5,849 |
| Net interest margin | 3.6987% | 3,013 |
| Noninterest income to average assets | 0.6295% | 2,683 |
| Noninterest expense to average assets | 2.9970% | 2,848 |
| Loan and lease loss provision to assets | 0.0878% | 2,715 |
| Net operating income to assets | 0.6892% | 3,950 |
| Return on assets (ROA) | 0.6892% | 4,061 |
| Pretax return on assets | 0.8796% | 3,965 |
| Return on Equity (ROE) | 7.4990% | 3,372 |
| Retained earnings to average equity (ytd only) | 2.7210% | 4,306 |
| Net charge-offs to loans | 0.0923% | 3,175 |
| Credit loss provision to net charge-offs | 190.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 20.9300% | 1,705 |
| Efficiency ratio | 75.5975% | 2,576 |
| Assets per employee ($millions) | 3.2369% | 5,378 |
| Cash dividends to net income (ytd only)* | 63.7156% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 2,895 |
| Loan loss allowance to noncurrent loans | 413.6729% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 5,184 |
| Noncurrent loans to loans | 0.3416% | 4,631 |
| Net loans and leases to total assets | 50.3958% | 4,927 |
| Net loans and leases to deposits | 57.4341% | 5,099 |
| Net loans and leases to core deposits | 61.3814% | 5,052 |
| Total domestic deposits to total assets | 87.7455% | 1,899 |
| Equity capital to assets | 9.6590% | 4,524 |
| Core capital (leverage) ratio | 10.2183% | 3,288 |
| Tier 1 risk-based capital ratio | 17.2237% | 2,414 |
| Total risk-based capital ratio | 18.4647% | 2,377 |
| Memoranda: | ||
| Average total assets | $216,349,200 | 2,822 |
| Average earning assets | $195,070,000 | 2,854 |
| Average equity | $19,882,600 | 3,174 |
| Average total loans | $108,354,400 | 3,259 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 4,298 |
| Cost of funding earning assets | 0.1921% | 5,894 |
| Net interest margin | 3.6736% | 3,134 |
| Noninterest income to average assets | 0.6395% | 2,628 |
| Noninterest expense to average assets | 3.0005% | 2,799 |
| Loan and lease loss provision to assets | 0.0553% | 3,266 |
| Net operating income to assets | 0.6739% | 4,087 |
| Return on assets (ROA) | 0.6739% | 4,174 |
| Pretax return on assets | 0.8969% | 4,001 |
| Return on Equity (ROE) | 7.4266% | 3,482 |
| Retained earnings to average equity (ytd only) | 7.4266% | 1,606 |
| Net charge-offs to loans | 0.0888% | 2,942 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 21.5273% | 1,671 |
| Efficiency ratio | 75.9092% | 2,504 |
| Assets per employee ($millions) | 3.2635% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 3,469 |
| Loan loss allowance to noncurrent loans | 437.7976% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 5,453 |
| Noncurrent loans to loans | 0.3051% | 4,995 |
| Net loans and leases to total assets | 50.4524% | 4,955 |
| Net loans and leases to deposits | 57.9604% | 5,104 |
| Net loans and leases to core deposits | 61.8666% | 5,040 |
| Total domestic deposits to total assets | 87.0463% | 2,296 |
| Equity capital to assets | 9.6443% | 4,616 |
| Core capital (leverage) ratio | 10.4477% | 3,105 |
| Tier 1 risk-based capital ratio | 17.5556% | 2,378 |
| Total risk-based capital ratio | 18.7309% | 2,364 |
| Memoranda: | ||
| Average total assets | $217,027,750 | 2,838 |
| Average earning assets | $195,735,750 | 2,875 |
| Average equity | $19,694,500 | 3,200 |
| Average total loans | $108,141,500 | 3,282 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 4,466 |
| Cost of funding earning assets | 0.1947% | 5,954 |
| Net interest margin | 3.6209% | 3,274 |
| Noninterest income to average assets | 0.6407% | 2,597 |
| Noninterest expense to average assets | 3.0197% | 2,759 |
| Loan and lease loss provision to assets | 0.0552% | 3,193 |
| Net operating income to assets | 0.6361% | 4,179 |
| Return on assets (ROA) | 0.6361% | 4,282 |
| Pretax return on assets | 0.8475% | 4,088 |
| Return on Equity (ROE) | 7.1580% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.1580% | 1,687 |
| Net charge-offs to loans | 0.0502% | 3,258 |
| Credit loss provision to net charge-offs | 222.2222% | 1,072 |
| Earnings coverage of net charge-offs (x) | 36.3704% | 1,127 |
| Efficiency ratio | 76.9862% | 2,454 |
| Assets per employee ($millions) | 3.3214% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 3,530 |
| Loan loss allowance to noncurrent loans | 884.5238% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 5,822 |
| Noncurrent loans to loans | 0.1540% | 5,551 |
| Net loans and leases to total assets | 49.8288% | 4,976 |
| Net loans and leases to deposits | 56.8406% | 5,134 |
| Net loans and leases to core deposits | 60.8861% | 5,067 |
| Total domestic deposits to total assets | 87.6641% | 2,108 |
| Equity capital to assets | 9.3584% | 4,904 |
| Core capital (leverage) ratio | 10.0582% | 3,525 |
| Tier 1 risk-based capital ratio | 17.1485% | 2,556 |
| Total risk-based capital ratio | 18.3300% | 2,549 |
| Memoranda: | ||
| Average total assets | $217,573,330 | 2,839 |
| Average earning assets | $197,190,670 | 2,868 |
| Average equity | $19,335,000 | 3,235 |
| Average total loans | $107,475,000 | 3,298 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7861% | 4,545 |
| Cost of funding earning assets | 0.1942% | 6,052 |
| Net interest margin | 3.5919% | 3,279 |
| Noninterest income to average assets | 0.6685% | 2,353 |
| Noninterest expense to average assets | 2.9888% | 2,900 |
| Loan and lease loss provision to assets | 0.0549% | 3,018 |
| Net operating income to assets | 0.6611% | 3,885 |
| Return on assets (ROA) | 0.6611% | 3,980 |
| Pretax return on assets | 0.8772% | 3,801 |
| Return on Equity (ROE) | 7.6400% | 3,122 |
| Retained earnings to average equity (ytd only) | 7.6400% | 1,752 |
| Net charge-offs to loans | 0.1200% | 2,005 |
| Credit loss provision to net charge-offs | 93.7500% | 1,765 |
| Earnings coverage of net charge-offs (x) | 15.9063% | 1,527 |
| Efficiency ratio | 76.2261% | 2,762 |
| Assets per employee ($millions) | 3.3870% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3471% | 3,865 |
| Loan loss allowance to noncurrent loans | 936.1290% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 5,878 |
| Noncurrent loans to loans | 0.1439% | 5,663 |
| Net loans and leases to total assets | 47.5351% | 5,181 |
| Net loans and leases to deposits | 53.0334% | 5,377 |
| Net loans and leases to core deposits | 56.5709% | 5,316 |
| Total domestic deposits to total assets | 89.6324% | 1,289 |
| Equity capital to assets | 8.6592% | 5,486 |
| Core capital (leverage) ratio | 9.7864% | 3,883 |
| Tier 1 risk-based capital ratio | 16.8738% | 2,743 |
| Total risk-based capital ratio | 18.0267% | 2,747 |
| Memoranda: | ||
| Average total assets | $218,414,500 | 2,847 |
| Average earning assets | $197,778,000 | 2,874 |
| Average equity | $18,900,500 | 3,292 |
| Average total loans | $106,681,500 | 3,326 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,765 |
| Cost of funding earning assets | 0.2253% | 6,145 |
| Net interest margin | 3.5885% | 3,510 |
| Noninterest income to average assets | 0.6364% | 2,881 |
| Noninterest expense to average assets | 3.0051% | 3,042 |
| Loan and lease loss provision to assets | 0.0562% | 4,025 |
| Net operating income to assets | 0.6608% | 3,984 |
| Return on assets (ROA) | 0.6608% | 4,083 |
| Pretax return on assets | 0.8415% | 3,991 |
| Return on Equity (ROE) | 7.1808% | 3,464 |
| Retained earnings to average equity (ytd only) | 2.6006% | 4,404 |
| Net charge-offs to loans | 0.2988% | 2,196 |
| Credit loss provision to net charge-offs | 38.3387% | 4,076 |
| Earnings coverage of net charge-offs (x) | 6.1246% | 3,123 |
| Efficiency ratio | 76.9978% | 2,617 |
| Assets per employee ($millions) | 3.1834% | 5,523 |
| Cash dividends to net income (ytd only)* | 63.7845% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 3,766 |
| Loan loss allowance to noncurrent loans | 429.8817% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 5,611 |
| Noncurrent loans to loans | 0.3199% | 5,228 |
| Net loans and leases to total assets | 48.8534% | 5,209 |
| Net loans and leases to deposits | 55.0881% | 5,382 |
| Net loans and leases to core deposits | 58.7783% | 5,323 |
| Total domestic deposits to total assets | 88.6824% | 1,810 |
| Equity capital to assets | 8.6475% | 5,426 |
| Core capital (leverage) ratio | 9.8942% | 3,718 |
| Tier 1 risk-based capital ratio | 17.0849% | 2,571 |
| Total risk-based capital ratio | 18.2740% | 2,565 |
| Memoranda: | ||
| Average total assets | $213,537,200 | 2,873 |
| Average earning assets | $194,372,200 | 2,902 |
| Average equity | $19,649,600 | 3,191 |
| Average total loans | $104,766,400 | 3,348 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,940 |
| Cost of funding earning assets | 0.2312% | 6,216 |
| Net interest margin | 3.5446% | 3,688 |
| Noninterest income to average assets | 0.6211% | 3,033 |
| Noninterest expense to average assets | 2.9388% | 3,172 |
| Loan and lease loss provision to assets | 0.0250% | 4,508 |
| Net operating income to assets | 0.6785% | 3,963 |
| Return on assets (ROA) | 0.6785% | 4,106 |
| Pretax return on assets | 0.9020% | 3,873 |
| Return on Equity (ROE) | 7.2643% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.2643% | 1,760 |
| Net charge-offs to loans | 0.3482% | 1,809 |
| Credit loss provision to net charge-offs | 14.6520% | 4,155 |
| Earnings coverage of net charge-offs (x) | 5.4396% | 3,189 |
| Efficiency ratio | 76.0213% | 2,728 |
| Assets per employee ($millions) | 3.1495% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 4,250 |
| Loan loss allowance to noncurrent loans | 676.0766% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 5,841 |
| Noncurrent loans to loans | 0.1964% | 5,749 |
| Net loans and leases to total assets | 49.7510% | 5,171 |
| Net loans and leases to deposits | 55.5360% | 5,411 |
| Net loans and leases to core deposits | 60.2250% | 5,278 |
| Total domestic deposits to total assets | 89.5833% | 1,237 |
| Equity capital to assets | 9.1296% | 5,016 |
| Core capital (leverage) ratio | 10.2541% | 3,318 |
| Tier 1 risk-based capital ratio | 17.5087% | 2,507 |
| Total risk-based capital ratio | 18.6621% | 2,510 |
| Memoranda: | ||
| Average total assets | $213,599,750 | 2,904 |
| Average earning assets | $195,520,750 | 2,905 |
| Average equity | $19,951,000 | 3,190 |
| Average total loans | $104,545,250 | 3,376 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7185% | 5,087 |
| Cost of funding earning assets | 0.2318% | 6,292 |
| Net interest margin | 3.4867% | 3,833 |
| Noninterest income to average assets | 0.6090% | 3,140 |
| Noninterest expense to average assets | 2.9553% | 3,146 |
| Loan and lease loss provision to assets | 0.0140% | 4,609 |
| Net operating income to assets | 0.6397% | 4,112 |
| Return on assets (ROA) | 0.6397% | 4,255 |
| Pretax return on assets | 0.8514% | 4,115 |
| Return on Equity (ROE) | 6.7989% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.7989% | 1,984 |
| Net charge-offs to loans | 0.2502% | 2,229 |
| Credit loss provision to net charge-offs | 11.5385% | 3,875 |
| Earnings coverage of net charge-offs (x) | 7.1385% | 2,592 |
| Efficiency ratio | 77.3493% | 2,569 |
| Assets per employee ($millions) | 3.1964% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 3,712 |
| Loan loss allowance to noncurrent loans | 705.5300% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.2470% | 5,746 |
| Noncurrent loans to loans | 0.2086% | 5,786 |
| Net loans and leases to total assets | 47.8561% | 5,343 |
| Net loans and leases to deposits | 53.3713% | 5,570 |
| Net loans and leases to core deposits | 57.7344% | 5,443 |
| Total domestic deposits to total assets | 89.6662% | 1,226 |
| Equity capital to assets | 9.0908% | 5,115 |
| Core capital (leverage) ratio | 10.0047% | 3,510 |
| Tier 1 risk-based capital ratio | 17.9216% | 2,336 |
| Total risk-based capital ratio | 19.1722% | 2,309 |
| Memoranda: | ||
| Average total assets | $214,460,670 | 2,913 |
| Average earning assets | $197,552,330 | 2,896 |
| Average equity | $20,179,670 | 3,190 |
| Average total loans | $103,928,330 | 3,402 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 5,071 |
| Cost of funding earning assets | 0.2363% | 6,371 |
| Net interest margin | 3.4901% | 3,745 |
| Noninterest income to average assets | 0.6505% | 2,875 |
| Noninterest expense to average assets | 3.0250% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6356% | 4,049 |
| Return on assets (ROA) | 0.6356% | 4,208 |
| Pretax return on assets | 0.8462% | 3,969 |
| Return on Equity (ROE) | 6.6423% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.6423% | 2,348 |
| Net charge-offs to loans | 0.0616% | 3,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 28.3750% | 987 |
| Efficiency ratio | 78.1416% | 2,586 |
| Assets per employee ($millions) | 3.2245% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 3,533 |
| Loan loss allowance to noncurrent loans | 395.6311% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 5,718 |
| Noncurrent loans to loans | 0.3963% | 5,427 |
| Net loans and leases to total assets | 46.6675% | 5,366 |
| Net loans and leases to deposits | 52.3121% | 5,587 |
| Net loans and leases to core deposits | 56.5094% | 5,474 |
| Total domestic deposits to total assets | 89.2098% | 1,549 |
| Equity capital to assets | 9.3257% | 5,098 |
| Core capital (leverage) ratio | 9.7693% | 3,700 |
| Tier 1 risk-based capital ratio | 17.5747% | 2,531 |
| Total risk-based capital ratio | 18.8267% | 2,499 |
| Memoranda: | ||
| Average total assets | $214,610,500 | 2,933 |
| Average earning assets | $198,046,500 | 2,919 |
| Average equity | $20,535,000 | 3,193 |
| Average total loans | $103,882,500 | 3,423 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1421% | 4,798 |
| Cost of funding earning assets | 0.3080% | 6,410 |
| Net interest margin | 3.8341% | 3,088 |
| Noninterest income to average assets | 0.6671% | 2,896 |
| Noninterest expense to average assets | 3.2508% | 2,471 |
| Loan and lease loss provision to assets | 0.0203% | 5,649 |
| Net operating income to assets | 0.6940% | 3,766 |
| Return on assets (ROA) | 0.6940% | 4,027 |
| Pretax return on assets | 0.8883% | 3,961 |
| Return on Equity (ROE) | 6.5987% | 3,858 |
| Retained earnings to average equity (ytd only) | 2.2575% | 4,650 |
| Net charge-offs to loans | 0.1437% | 4,256 |
| Credit loss provision to net charge-offs | 26.8456% | 5,173 |
| Earnings coverage of net charge-offs (x) | 12.0201% | 1,971 |
| Efficiency ratio | 78.1559% | 2,426 |
| Assets per employee ($millions) | 3.0876% | 5,861 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5856% | 3,381 |
| Loan loss allowance to noncurrent loans | 236.4943% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 5,673 |
| Noncurrent loans to loans | 0.6705% | 4,856 |
| Net loans and leases to total assets | 48.6595% | 5,345 |
| Net loans and leases to deposits | 54.7265% | 5,579 |
| Net loans and leases to core deposits | 59.3442% | 5,422 |
| Total domestic deposits to total assets | 88.9139% | 1,623 |
| Equity capital to assets | 9.8220% | 4,419 |
| Core capital (leverage) ratio | 10.0083% | 3,385 |
| Tier 1 risk-based capital ratio | 17.5308% | 2,446 |
| Total risk-based capital ratio | 18.7826% | 2,417 |
| Memoranda: | ||
| Average total assets | $197,123,400 | 3,084 |
| Average earning assets | $179,546,200 | 3,099 |
| Average equity | $20,731,200 | 3,111 |
| Average total loans | $103,695,200 | 3,443 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 4,625 |
| Cost of funding earning assets | 0.3255% | 6,486 |
| Net interest margin | 3.9292% | 2,806 |
| Noninterest income to average assets | 0.6676% | 2,888 |
| Noninterest expense to average assets | 3.2639% | 2,373 |
| Loan and lease loss provision to assets | 0.0275% | 5,438 |
| Net operating income to assets | 0.7089% | 3,882 |
| Return on assets (ROA) | 0.7089% | 4,117 |
| Pretax return on assets | 0.9447% | 3,939 |
| Return on Equity (ROE) | 6.6220% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.6220% | 2,320 |
| Net charge-offs to loans | 0.1183% | 4,195 |
| Credit loss provision to net charge-offs | 43.4783% | 4,541 |
| Earnings coverage of net charge-offs (x) | 15.3700% | 1,765 |
| Efficiency ratio | 77.0492% | 2,515 |
| Assets per employee ($millions) | 2.8242% | 6,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 3,297 |
| Loan loss allowance to noncurrent loans | 995.9064% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 6,369 |
| Noncurrent loans to loans | 0.1665% | 6,195 |
| Net loans and leases to total assets | 51.8341% | 5,075 |
| Net loans and leases to deposits | 59.3038% | 5,285 |
| Net loans and leases to core deposits | 64.8622% | 5,066 |
| Total domestic deposits to total assets | 87.4043% | 2,419 |
| Equity capital to assets | 10.9905% | 3,292 |
| Core capital (leverage) ratio | 10.9090% | 2,477 |
| Tier 1 risk-based capital ratio | 18.3585% | 2,214 |
| Total risk-based capital ratio | 19.6112% | 2,183 |
| Memoranda: | ||
| Average total assets | $193,915,000 | 3,162 |
| Average earning assets | $176,113,750 | 3,180 |
| Average equity | $20,758,500 | 3,140 |
| Average total loans | $103,666,500 | 3,469 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 4,732 |
| Cost of funding earning assets | 0.3330% | 6,588 |
| Net interest margin | 3.9231% | 2,820 |
| Noninterest income to average assets | 0.6643% | 2,873 |
| Noninterest expense to average assets | 3.3110% | 2,280 |
| Loan and lease loss provision to assets | 0.0310% | 5,279 |
| Net operating income to assets | 0.6570% | 4,078 |
| Return on assets (ROA) | 0.6570% | 4,337 |
| Pretax return on assets | 0.8760% | 4,171 |
| Return on Equity (ROE) | 6.1931% | 4,216 |
| Retained earnings to average equity (ytd only) | 6.1931% | 2,571 |
| Net charge-offs to loans | 0.0712% | 4,437 |
| Credit loss provision to net charge-offs | 81.0811% | 3,289 |
| Earnings coverage of net charge-offs (x) | 23.7297% | 1,244 |
| Efficiency ratio | 78.4962% | 2,397 |
| Assets per employee ($millions) | 2.8396% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 3,322 |
| Loan loss allowance to noncurrent loans | 602.7586% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 6,285 |
| Noncurrent loans to loans | 0.2785% | 6,013 |
| Net loans and leases to total assets | 52.2607% | 5,067 |
| Net loans and leases to deposits | 59.5240% | 5,289 |
| Net loans and leases to core deposits | 65.0809% | 5,101 |
| Total domestic deposits to total assets | 87.7977% | 2,283 |
| Equity capital to assets | 10.6966% | 3,463 |
| Core capital (leverage) ratio | 10.6921% | 2,608 |
| Tier 1 risk-based capital ratio | 17.7249% | 2,389 |
| Total risk-based capital ratio | 18.9784% | 2,354 |
| Memoranda: | ||
| Average total assets | $193,597,330 | 3,170 |
| Average earning assets | $175,371,670 | 3,199 |
| Average equity | $20,539,000 | 3,161 |
| Average total loans | $103,985,000 | 3,474 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2708% | 4,846 |
| Cost of funding earning assets | 0.3351% | 6,705 |
| Net interest margin | 3.9357% | 2,780 |
| Noninterest income to average assets | 0.6673% | 2,825 |
| Noninterest expense to average assets | 3.3737% | 2,079 |
| Loan and lease loss provision to assets | 0.0312% | 4,978 |
| Net operating income to assets | 0.6236% | 4,241 |
| Return on assets (ROA) | 0.6236% | 4,450 |
| Pretax return on assets | 0.8273% | 4,311 |
| Return on Equity (ROE) | 5.9028% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.9028% | 3,019 |
| Net charge-offs to loans | 0.0770% | 3,727 |
| Credit loss provision to net charge-offs | 75.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | 20.6500% | 1,185 |
| Efficiency ratio | 79.7151% | 2,232 |
| Assets per employee ($millions) | 2.8958% | 6,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 3,383 |
| Loan loss allowance to noncurrent loans | 543.4783% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 6,360 |
| Noncurrent loans to loans | 0.3109% | 6,059 |
| Net loans and leases to total assets | 50.9596% | 5,166 |
| Net loans and leases to deposits | 57.5628% | 5,430 |
| Net loans and leases to core deposits | 62.7737% | 5,250 |
| Total domestic deposits to total assets | 88.5288% | 1,994 |
| Equity capital to assets | 10.1330% | 3,938 |
| Core capital (leverage) ratio | 10.6904% | 2,553 |
| Tier 1 risk-based capital ratio | 17.4117% | 2,514 |
| Total risk-based capital ratio | 18.6652% | 2,479 |
| Memoranda: | ||
| Average total assets | $192,430,500 | 3,207 |
| Average earning assets | $174,301,000 | 3,233 |
| Average equity | $20,329,500 | 3,188 |
| Average total loans | $103,906,000 | 3,504 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 4,546 |
| Cost of funding earning assets | 0.4371% | 6,775 |
| Net interest margin | 4.1932% | 2,087 |
| Noninterest income to average assets | 0.6972% | 2,619 |
| Noninterest expense to average assets | 3.4640% | 2,078 |
| Loan and lease loss provision to assets | 0.0610% | 5,848 |
| Net operating income to assets | 0.7261% | 3,349 |
| Return on assets (ROA) | 0.7261% | 3,531 |
| Pretax return on assets | 0.9507% | 3,423 |
| Return on Equity (ROE) | 6.5473% | 3,616 |
| Retained earnings to average equity (ytd only) | 1.7956% | 4,930 |
| Net charge-offs to loans | 0.1048% | 5,310 |
| Credit loss provision to net charge-offs | 99.0991% | 3,612 |
| Earnings coverage of net charge-offs (x) | 16.4324% | 1,328 |
| Efficiency ratio | 77.3950% | 2,681 |
| Assets per employee ($millions) | 2.6819% | 6,632 |
| Cash dividends to net income (ytd only)* | 72.5745% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 3,263 |
| Loan loss allowance to noncurrent loans | 886.3636% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 6,504 |
| Noncurrent loans to loans | 0.1899% | 6,369 |
| Net loans and leases to total assets | 55.3818% | 4,815 |
| Net loans and leases to deposits | 66.0818% | 4,717 |
| Net loans and leases to core deposits | 72.3852% | 4,455 |
| Total domestic deposits to total assets | 83.8080% | 4,409 |
| Equity capital to assets | 11.0307% | 2,951 |
| Core capital (leverage) ratio | 10.8909% | 2,354 |
| Tier 1 risk-based capital ratio | 17.7510% | 2,283 |
| Total risk-based capital ratio | 19.0045% | 2,252 |
| Memoranda: | ||
| Average total assets | $180,282,200 | 3,329 |
| Average earning assets | $162,451,600 | 3,360 |
| Average equity | $19,993,000 | 3,149 |
| Average total loans | $105,953,200 | 3,479 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6572% | 4,647 |
| Cost of funding earning assets | 0.4595% | 6,851 |
| Net interest margin | 4.1977% | 2,108 |
| Noninterest income to average assets | 0.6790% | 2,726 |
| Noninterest expense to average assets | 3.4633% | 2,044 |
| Loan and lease loss provision to assets | 0.0335% | 6,022 |
| Net operating income to assets | 0.7229% | 3,492 |
| Return on assets (ROA) | 0.7229% | 3,674 |
| Pretax return on assets | 0.9634% | 3,546 |
| Return on Equity (ROE) | 6.5095% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.5095% | 2,237 |
| Net charge-offs to loans | 0.1291% | 4,755 |
| Credit loss provision to net charge-offs | 43.6893% | 5,171 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,652 |
| Efficiency ratio | 77.6498% | 2,590 |
| Assets per employee ($millions) | 2.5848% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 3,852 |
| Loan loss allowance to noncurrent loans | 1,586.9159% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 6,715 |
| Noncurrent loans to loans | 0.0982% | 6,684 |
| Net loans and leases to total assets | 59.2681% | 4,278 |
| Net loans and leases to deposits | 70.4845% | 4,223 |
| Net loans and leases to core deposits | 77.3160% | 4,003 |
| Total domestic deposits to total assets | 84.0867% | 4,189 |
| Equity capital to assets | 11.6079% | 2,579 |
| Core capital (leverage) ratio | 11.6810% | 1,902 |
| Tier 1 risk-based capital ratio | 17.8559% | 2,307 |
| Total risk-based capital ratio | 19.1088% | 2,271 |
| Memoranda: | ||
| Average total assets | $179,090,750 | 3,364 |
| Average earning assets | $161,322,500 | 3,400 |
| Average equity | $19,888,250 | 3,163 |
| Average total loans | $106,382,000 | 3,495 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 4,714 |
| Cost of funding earning assets | 0.4722% | 6,944 |
| Net interest margin | 4.1861% | 2,090 |
| Noninterest income to average assets | 0.6544% | 2,803 |
| Noninterest expense to average assets | 3.4671% | 2,072 |
| Loan and lease loss provision to assets | 0.0336% | 5,897 |
| Net operating income to assets | 0.6903% | 3,590 |
| Return on assets (ROA) | 0.6903% | 3,708 |
| Pretax return on assets | 0.9189% | 3,552 |
| Return on Equity (ROE) | 6.3126% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.3126% | 2,239 |
| Net charge-offs to loans | 0.1725% | 4,138 |
| Credit loss provision to net charge-offs | 32.9670% | 4,946 |
| Earnings coverage of net charge-offs (x) | 9.3407% | 1,936 |
| Efficiency ratio | 78.4483% | 2,642 |
| Assets per employee ($millions) | 2.5457% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 3,751 |
| Loan loss allowance to noncurrent loans | 2,173.0769% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 6,536 |
| Noncurrent loans to loans | 0.0730% | 6,799 |
| Net loans and leases to total assets | 59.0430% | 4,462 |
| Net loans and leases to deposits | 70.3062% | 4,397 |
| Net loans and leases to core deposits | 77.0708% | 4,179 |
| Total domestic deposits to total assets | 83.9797% | 4,361 |
| Equity capital to assets | 11.3194% | 2,666 |
| Core capital (leverage) ratio | 11.4341% | 1,953 |
| Tier 1 risk-based capital ratio | 17.6892% | 2,273 |
| Total risk-based capital ratio | 18.9418% | 2,235 |
| Memoranda: | ||
| Average total assets | $178,475,330 | 3,386 |
| Average earning assets | $160,531,000 | 3,433 |
| Average equity | $19,516,670 | 3,197 |
| Average total loans | $105,530,670 | 3,551 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6218% | 4,853 |
| Cost of funding earning assets | 0.4813% | 7,034 |
| Net interest margin | 4.1405% | 2,117 |
| Noninterest income to average assets | 0.7233% | 2,427 |
| Noninterest expense to average assets | 3.4981% | 2,007 |
| Loan and lease loss provision to assets | 0.0336% | 5,554 |
| Net operating income to assets | 0.6987% | 3,518 |
| Return on assets (ROA) | 0.6987% | 3,584 |
| Pretax return on assets | 0.9294% | 3,401 |
| Return on Equity (ROE) | 6.5036% | 3,629 |
| Retained earnings to average equity (ytd only) | 6.5036% | 2,373 |
| Net charge-offs to loans | 0.0649% | 4,280 |
| Credit loss provision to net charge-offs | 88.2353% | 2,967 |
| Earnings coverage of net charge-offs (x) | 25.2941% | 969 |
| Efficiency ratio | 78.4137% | 2,784 |
| Assets per employee ($millions) | 2.5940% | 6,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 3,391 |
| Loan loss allowance to noncurrent loans | 1,789.7959% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 6,352 |
| Noncurrent loans to loans | 0.0942% | 6,812 |
| Net loans and leases to total assets | 56.3394% | 4,937 |
| Net loans and leases to deposits | 66.0887% | 4,965 |
| Net loans and leases to core deposits | 72.2147% | 4,757 |
| Total domestic deposits to total assets | 85.2482% | 3,924 |
| Equity capital to assets | 10.6819% | 3,004 |
| Core capital (leverage) ratio | 11.2684% | 1,989 |
| Tier 1 risk-based capital ratio | 15.5731% | 3,121 |
| Total risk-based capital ratio | 16.8245% | 3,078 |
| Memoranda: | ||
| Average total assets | $178,613,500 | 3,404 |
| Average earning assets | $161,235,000 | 3,437 |
| Average equity | $19,189,500 | 3,233 |
| Average total loans | $104,841,500 | 3,603 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 3,844 |
| Cost of funding earning assets | 0.6400% | 7,034 |
| Net interest margin | 4.5110% | 1,206 |
| Noninterest income to average assets | 0.7565% | 2,507 |
| Noninterest expense to average assets | 3.5266% | 2,106 |
| Loan and lease loss provision to assets | 0.1198% | 5,960 |
| Net operating income to assets | 0.8230% | 2,703 |
| Return on assets (ROA) | 0.8230% | 2,843 |
| Pretax return on assets | 1.1039% | 2,566 |
| Return on Equity (ROE) | 7.0906% | 3,070 |
| Retained earnings to average equity (ytd only) | 2.0591% | 4,434 |
| Net charge-offs to loans | 0.1751% | 5,273 |
| Credit loss provision to net charge-offs | 108.1081% | 4,092 |
| Earnings coverage of net charge-offs (x) | 11.0432% | 1,640 |
| Efficiency ratio | 74.2403% | 3,346 |
| Assets per employee ($millions) | 2.5093% | 6,997 |
| Cash dividends to net income (ytd only)* | 70.9607% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 3,348 |
| Loan loss allowance to noncurrent loans | 7,024.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 6,473 |
| Noncurrent loans to loans | 0.0237% | 7,078 |
| Net loans and leases to total assets | 59.1367% | 4,815 |
| Net loans and leases to deposits | 69.6354% | 4,858 |
| Net loans and leases to core deposits | 77.0554% | 4,585 |
| Total domestic deposits to total assets | 84.9233% | 3,898 |
| Equity capital to assets | 10.8073% | 2,853 |
| Core capital (leverage) ratio | 11.3698% | 1,914 |
| Tier 1 risk-based capital ratio | 17.2085% | 2,270 |
| Total risk-based capital ratio | 18.4619% | 2,232 |
| Memoranda: | ||
| Average total assets | $166,959,400 | 3,592 |
| Average earning assets | $147,815,000 | 3,664 |
| Average equity | $19,377,800 | 3,230 |
| Average total loans | $105,651,800 | 3,638 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2739% | 3,477 |
| Cost of funding earning assets | 0.6725% | 7,127 |
| Net interest margin | 4.6014% | 1,041 |
| Noninterest income to average assets | 0.7759% | 2,349 |
| Noninterest expense to average assets | 3.5220% | 1,986 |
| Loan and lease loss provision to assets | 0.0364% | 6,718 |
| Net operating income to assets | 0.8771% | 2,706 |
| Return on assets (ROA) | 0.8771% | 2,840 |
| Pretax return on assets | 1.2533% | 2,323 |
| Return on Equity (ROE) | 7.4207% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.4207% | 1,632 |
| Net charge-offs to loans | 0.1830% | 4,860 |
| Credit loss provision to net charge-offs | 31.0345% | 6,140 |
| Earnings coverage of net charge-offs (x) | 10.9930% | 1,835 |
| Efficiency ratio | 73.1966% | 3,482 |
| Assets per employee ($millions) | 2.4286% | 7,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,996 |
| Loan loss allowance to noncurrent loans | 539.8026% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.3712% | 6,478 |
| Noncurrent loans to loans | 0.2767% | 6,633 |
| Net loans and leases to total assets | 64.5820% | 3,999 |
| Net loans and leases to deposits | 78.0256% | 3,821 |
| Net loans and leases to core deposits | 85.8004% | 3,684 |
| Total domestic deposits to total assets | 82.7702% | 4,693 |
| Equity capital to assets | 12.0517% | 2,126 |
| Core capital (leverage) ratio | 12.4658% | 1,430 |
| Tier 1 risk-based capital ratio | 17.5938% | 2,140 |
| Total risk-based capital ratio | 18.8458% | 2,113 |
| Memoranda: | ||
| Average total assets | $164,787,000 | 3,671 |
| Average earning assets | $144,531,750 | 3,774 |
| Average equity | $19,476,500 | 3,256 |
| Average total loans | $105,657,500 | 3,690 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 3,684 |
| Cost of funding earning assets | 0.6864% | 7,219 |
| Net interest margin | 4.5692% | 1,063 |
| Noninterest income to average assets | 0.7751% | 2,258 |
| Noninterest expense to average assets | 3.5494% | 1,914 |
| Loan and lease loss provision to assets | 0.0366% | 6,589 |
| Net operating income to assets | 0.8385% | 2,784 |
| Return on assets (ROA) | 0.8385% | 2,940 |
| Pretax return on assets | 1.1949% | 2,434 |
| Return on Equity (ROE) | 7.1425% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.1425% | 1,773 |
| Net charge-offs to loans | 0.2762% | 3,954 |
| Credit loss provision to net charge-offs | 20.8333% | 5,841 |
| Earnings coverage of net charge-offs (x) | 7.0069% | 2,375 |
| Efficiency ratio | 74.2405% | 3,426 |
| Assets per employee ($millions) | 2.4041% | 7,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 3,879 |
| Loan loss allowance to noncurrent loans | 4,281.5789% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 6,864 |
| Noncurrent loans to loans | 0.0352% | 7,230 |
| Net loans and leases to total assets | 64.0652% | 4,251 |
| Net loans and leases to deposits | 77.9663% | 3,972 |
| Net loans and leases to core deposits | 85.8930% | 3,849 |
| Total domestic deposits to total assets | 82.1704% | 4,922 |
| Equity capital to assets | 11.8519% | 2,182 |
| Core capital (leverage) ratio | 12.0948% | 1,594 |
| Tier 1 risk-based capital ratio | 17.6978% | 2,034 |
| Total risk-based capital ratio | 18.9503% | 2,005 |
| Memoranda: | ||
| Average total assets | $163,859,330 | 3,710 |
| Average earning assets | $143,656,000 | 3,824 |
| Average equity | $19,237,000 | 3,276 |
| Average total loans | $104,256,330 | 3,762 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1911% | 4,073 |
| Cost of funding earning assets | 0.7020% | 7,332 |
| Net interest margin | 4.4890% | 1,170 |
| Noninterest income to average assets | 0.8400% | 1,844 |
| Noninterest expense to average assets | 3.6083% | 1,718 |
| Loan and lease loss provision to assets | 0.0368% | 6,307 |
| Net operating income to assets | 0.7983% | 2,968 |
| Return on assets (ROA) | 0.7983% | 3,077 |
| Pretax return on assets | 1.1373% | 2,598 |
| Return on Equity (ROE) | 6.8329% | 3,430 |
| Retained earnings to average equity (ytd only) | 6.8329% | 2,204 |
| Net charge-offs to loans | 0.5233% | 2,499 |
| Credit loss provision to net charge-offs | 11.1940% | 5,033 |
| Earnings coverage of net charge-offs (x) | 3.5672% | 2,865 |
| Efficiency ratio | 75.4494% | 3,313 |
| Assets per employee ($millions) | 2.4493% | 7,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 3,678 |
| Loan loss allowance to noncurrent loans | 375.4630% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 6,578 |
| Noncurrent loans to loans | 0.4117% | 6,471 |
| Net loans and leases to total assets | 62.0306% | 4,744 |
| Net loans and leases to deposits | 74.6550% | 4,651 |
| Net loans and leases to core deposits | 81.4806% | 4,560 |
| Total domestic deposits to total assets | 83.0897% | 4,576 |
| Equity capital to assets | 11.5295% | 2,336 |
| Core capital (leverage) ratio | 12.2376% | 1,530 |
| Tier 1 risk-based capital ratio | 17.6842% | 2,026 |
| Total risk-based capital ratio | 18.9372% | 2,004 |
| Memoranda: | ||
| Average total assets | $162,848,500 | 3,784 |
| Average earning assets | $143,015,000 | 3,889 |
| Average equity | $19,025,500 | 3,318 |
| Average total loans | $102,435,000 | 3,874 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4393% | 4,494 |
| Cost of funding earning assets | 0.9131% | 7,377 |
| Net interest margin | 4.5262% | 1,119 |
| Noninterest income to average assets | 0.7542% | 2,655 |
| Noninterest expense to average assets | 3.6232% | 2,097 |
| Loan and lease loss provision to assets | 0.2241% | 5,572 |
| Net operating income to assets | 0.8234% | 2,436 |
| Return on assets (ROA) | 0.8234% | 2,528 |
| Pretax return on assets | 0.9854% | 2,642 |
| Return on Equity (ROE) | 6.7430% | 2,894 |
| Retained earnings to average equity (ytd only) | 1.1378% | 4,252 |
| Net charge-offs to loans | 0.1055% | 6,087 |
| Credit loss provision to net charge-offs | 336.5385% | 961 |
| Earnings coverage of net charge-offs (x) | 18.1635% | 1,144 |
| Efficiency ratio | 74.9735% | 3,718 |
| Assets per employee ($millions) | 2.3403% | 7,424 |
| Cash dividends to net income (ytd only)* | 83.1260% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 2,740 |
| Loan loss allowance to noncurrent loans | 516.6172% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 6,940 |
| Noncurrent loans to loans | 0.3372% | 6,605 |
| Net loans and leases to total assets | 61.7009% | 5,054 |
| Net loans and leases to deposits | 75.7345% | 4,787 |
| Net loans and leases to core deposits | 95.4497% | 4,521 |
| Total domestic deposits to total assets | 81.4700% | 5,167 |
| Equity capital to assets | 11.8435% | 2,113 |
| Core capital (leverage) ratio | 12.1732% | 1,593 |
| Tier 1 risk-based capital ratio | 18.3312% | 1,800 |
| Total risk-based capital ratio | 19.5860% | 1,753 |
| Memoranda: | ||
| Average total assets | $156,186,000 | 3,853 |
| Average earning assets | $140,735,000 | 3,888 |
| Average equity | $19,071,600 | 3,335 |
| Average total loans | $98,611,600 | 3,993 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 4,681 |
| Cost of funding earning assets | 0.9565% | 7,474 |
| Net interest margin | 4.4954% | 1,203 |
| Noninterest income to average assets | 0.7505% | 2,708 |
| Noninterest expense to average assets | 3.4961% | 2,295 |
| Loan and lease loss provision to assets | 0.1287% | 6,066 |
| Net operating income to assets | 0.8792% | 2,501 |
| Return on assets (ROA) | 0.8792% | 2,575 |
| Pretax return on assets | 1.1931% | 2,287 |
| Return on Equity (ROE) | 7.1448% | 3,002 |
| Retained earnings to average equity (ytd only) | 7.1448% | 1,446 |
| Net charge-offs to loans | 0.1126% | 5,555 |
| Credit loss provision to net charge-offs | 180.7229% | 2,531 |
| Earnings coverage of net charge-offs (x) | 18.5670% | 1,344 |
| Efficiency ratio | 72.5654% | 4,138 |
| Assets per employee ($millions) | 2.3993% | 7,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,280 |
| Loan loss allowance to noncurrent loans | 328.1513% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 6,713 |
| Noncurrent loans to loans | 0.4663% | 6,388 |
| Net loans and leases to total assets | 65.4667% | 4,541 |
| Net loans and leases to deposits | 82.5441% | 3,916 |
| Net loans and leases to core deposits | 104.2249% | 3,910 |
| Total domestic deposits to total assets | 79.3111% | 5,691 |
| Equity capital to assets | 12.7843% | 1,794 |
| Core capital (leverage) ratio | 13.1916% | 1,325 |
| Tier 1 risk-based capital ratio | 19.2247% | 1,699 |
| Total risk-based capital ratio | 20.4777% | 1,664 |
| Memoranda: | ||
| Average total assets | $155,447,000 | 3,886 |
| Average earning assets | $140,644,000 | 3,916 |
| Average equity | $19,127,500 | 3,357 |
| Average total loans | $98,281,250 | 4,035 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 5,112 |
| Cost of funding earning assets | 0.9895% | 7,562 |
| Net interest margin | 4.4179% | 1,369 |
| Noninterest income to average assets | 0.7343% | 2,795 |
| Noninterest expense to average assets | 3.4778% | 2,409 |
| Loan and lease loss provision to assets | 0.1922% | 5,124 |
| Net operating income to assets | 0.8521% | 2,644 |
| Return on assets (ROA) | 0.8521% | 2,745 |
| Pretax return on assets | 1.0636% | 2,758 |
| Return on Equity (ROE) | 7.0149% | 3,198 |
| Retained earnings to average equity (ytd only) | 7.0149% | 1,580 |
| Net charge-offs to loans | 0.1175% | 4,986 |
| Credit loss provision to net charge-offs | 263.1579% | 1,772 |
| Earnings coverage of net charge-offs (x) | 17.1930% | 1,492 |
| Efficiency ratio | 73.4705% | 4,114 |
| Assets per employee ($millions) | 2.3603% | 7,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 2,674 |
| Loan loss allowance to noncurrent loans | 301.3283% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 6,566 |
| Noncurrent loans to loans | 0.5363% | 6,197 |
| Net loans and leases to total assets | 63.0113% | 5,183 |
| Net loans and leases to deposits | 77.8041% | 4,909 |
| Net loans and leases to core deposits | 96.2858% | 4,871 |
| Total domestic deposits to total assets | 80.9871% | 5,087 |
| Equity capital to assets | 12.3930% | 1,979 |
| Core capital (leverage) ratio | 12.8657% | 1,471 |
| Tier 1 risk-based capital ratio | 19.4833% | 1,679 |
| Total risk-based capital ratio | 20.7377% | 1,637 |
| Memoranda: | ||
| Average total assets | $156,077,330 | 3,899 |
| Average earning assets | $141,290,000 | 3,921 |
| Average equity | $18,959,670 | 3,398 |
| Average total loans | $97,011,670 | 4,095 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4419% | 5,220 |
| Cost of funding earning assets | 1.0537% | 7,594 |
| Net interest margin | 4.3882% | 1,378 |
| Noninterest income to average assets | 0.7420% | 2,646 |
| Noninterest expense to average assets | 3.4712% | 2,167 |
| Loan and lease loss provision to assets | 0.1906% | 4,529 |
| Net operating income to assets | 0.8640% | 2,864 |
| Return on assets (ROA) | 0.8640% | 3,014 |
| Pretax return on assets | 1.0698% | 3,101 |
| Return on Equity (ROE) | 7.1832% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.1832% | 2,140 |
| Net charge-offs to loans | 0.2158% | 3,347 |
| Credit loss provision to net charge-offs | 144.2308% | 2,852 |
| Earnings coverage of net charge-offs (x) | 9.5385% | 2,048 |
| Efficiency ratio | 73.3620% | 3,937 |
| Assets per employee ($millions) | 2.4227% | 7,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 2,593 |
| Loan loss allowance to noncurrent loans | 437.4640% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 6,864 |
| Noncurrent loans to loans | 0.3614% | 6,529 |
| Net loans and leases to total assets | 60.0126% | 5,648 |
| Net loans and leases to deposits | 72.9748% | 5,618 |
| Net loans and leases to core deposits | 92.8368% | 5,276 |
| Total domestic deposits to total assets | 82.2374% | 4,456 |
| Equity capital to assets | 11.8957% | 2,327 |
| Core capital (leverage) ratio | 12.4469% | 1,708 |
| Tier 1 risk-based capital ratio | 19.5190% | 1,717 |
| Total risk-based capital ratio | 20.7726% | 1,662 |
| Memoranda: | ||
| Average total assets | $157,407,500 | 3,873 |
| Average earning assets | $143,110,500 | 3,895 |
| Average equity | $18,933,000 | 3,424 |
| Average total loans | $96,388,500 | 4,131 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7893% | 6,467 |
| Cost of funding earning assets | 1.6937% | 7,272 |
| Net interest margin | 4.0957% | 2,730 |
| Noninterest income to average assets | 0.7513% | 2,775 |
| Noninterest expense to average assets | 3.4466% | 2,538 |
| Loan and lease loss provision to assets | 0.1805% | 5,091 |
| Net operating income to assets | 0.7158% | 3,823 |
| Return on assets (ROA) | 0.7158% | 3,654 |
| Pretax return on assets | 0.8602% | 3,852 |
| Return on Equity (ROE) | 5.8881% | 3,990 |
| Retained earnings to average equity (ytd only) | 0.6774% | 4,824 |
| Net charge-offs to loans | 0.0980% | 5,345 |
| Credit loss provision to net charge-offs | 323.8636% | 1,389 |
| Earnings coverage of net charge-offs (x) | 18.6705% | 1,689 |
| Efficiency ratio | 76.8069% | 3,106 |
| Assets per employee ($millions) | 2.4206% | 7,363 |
| Cash dividends to net income (ytd only)* | 88.4956% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 2,470 |
| Loan loss allowance to noncurrent loans | 394.4591% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 6,610 |
| Noncurrent loans to loans | 0.3917% | 6,167 |
| Net loans and leases to total assets | 60.5435% | 5,833 |
| Net loans and leases to deposits | 75.3272% | 5,679 |
| Net loans and leases to core deposits | 95.7935% | 5,273 |
| Total domestic deposits to total assets | 80.3741% | 4,878 |
| Equity capital to assets | 12.1604% | 2,184 |
| Core capital (leverage) ratio | 12.3070% | 1,833 |
| Tier 1 risk-based capital ratio | 19.1826% | 1,772 |
| Total risk-based capital ratio | 20.4358% | 1,729 |
| Memoranda: | ||
| Average total assets | $157,867,800 | 3,759 |
| Average earning assets | $144,006,400 | 3,757 |
| Average equity | $19,191,200 | 3,366 |
| Average total loans | $89,818,200 | 4,232 |