Home > The Corner Stone Bank > Performance and Condition Ratios
The Corner Stone 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 | 6.5827% | 322 |
| Cost of funding earning assets | 1.5828% | 1,735 |
| Net interest margin | 4.9999% | 313 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 4.1201% | 339 |
| Loan and lease loss provision to assets | 0.5600% | 149 |
| Net operating income to assets | 0.8688% | 2,636 |
| Return on assets (ROA) | 0.8688% | 2,611 |
| Pretax return on assets | 0.8688% | 3,044 |
| Return on Equity (ROE) | 7.4900% | 3,160 |
| Retained earnings to average equity (ytd only) | 2.9700% | 3,280 |
| Net charge-offs to loans | 0.2303% | 473 |
| Credit loss provision to net charge-offs | 325.9136% | 902 |
| Earnings coverage of net charge-offs (x) | 8.3555% | 2,349 |
| Efficiency ratio | 74.3105% | 1,425 |
| Assets per employee ($millions) | 3.4530% | 4,297 |
| Cash dividends to net income (ytd only)* | 60.3651% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6659% | 719 |
| Loan loss allowance to noncurrent loans | 103.6248% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 337 |
| Noncurrent loans to loans | 1.6076% | 405 |
| Net loans and leases to total assets | 75.1800% | 1,216 |
| Net loans and leases to deposits | 87.4311% | 1,487 |
| Net loans and leases to core deposits | 98.9925% | 1,490 |
| Total domestic deposits to total assets | 85.9900% | 2,021 |
| Equity capital to assets | 11.8230% | 1,194 |
| Core capital (leverage) ratio | 12.4444% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6387% | 722 |
| Memoranda: | ||
| Average total assets | $176,573,800 | 3,155 |
| Average earning assets | $169,443,800 | 3,096 |
| Average equity | $20,471,400 | 2,821 |
| Average total loans | $130,672,200 | 2,853 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3955% | 342 |
| Cost of funding earning assets | 1.4490% | 1,737 |
| Net interest margin | 4.9465% | 331 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 4.0863% | 341 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 1.0985% | 2,063 |
| Return on assets (ROA) | 1.0985% | 2,046 |
| Pretax return on assets | 1.0985% | 2,568 |
| Return on Equity (ROE) | 9.5100% | 2,796 |
| Retained earnings to average equity (ytd only) | 5.4119% | 2,803 |
| Net charge-offs to loans | 0.1302% | 619 |
| Credit loss provision to net charge-offs | 289.6825% | 909 |
| Earnings coverage of net charge-offs (x) | 14.3968% | 1,996 |
| Efficiency ratio | 74.8195% | 1,286 |
| Assets per employee ($millions) | 3.5349% | 4,313 |
| Cash dividends to net income (ytd only)* | 43.0642% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 871 |
| Loan loss allowance to noncurrent loans | 80.3686% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.4882% | 251 |
| Noncurrent loans to loans | 2.0013% | 307 |
| Net loans and leases to total assets | 72.5100% | 1,513 |
| Net loans and leases to deposits | 84.0269% | 1,737 |
| Net loans and leases to core deposits | 92.7937% | 1,750 |
| Total domestic deposits to total assets | 86.3000% | 2,104 |
| Equity capital to assets | 11.2757% | 1,247 |
| Core capital (leverage) ratio | 12.6690% | 1,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1323% | 690 |
| Memoranda: | ||
| Average total assets | $175,866,000 | 3,171 |
| Average earning assets | $168,571,750 | 3,116 |
| Average equity | $20,325,000 | 2,817 |
| Average total loans | $129,019,000 | 2,869 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2374% | 335 |
| Cost of funding earning assets | 1.3026% | 1,705 |
| Net interest margin | 4.9348% | 337 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 4.2089% | 308 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.0631% | 2,226 |
| Return on assets (ROA) | 1.0631% | 2,222 |
| Pretax return on assets | 1.0631% | 2,741 |
| Return on Equity (ROE) | 9.1200% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.9892% | 2,943 |
| Net charge-offs to loans | 0.1550% | 502 |
| Credit loss provision to net charge-offs | 151.5152% | 1,191 |
| Earnings coverage of net charge-offs (x) | 10.8788% | 1,982 |
| Efficiency ratio | 77.3120% | 1,063 |
| Assets per employee ($millions) | 3.2797% | 4,391 |
| Cash dividends to net income (ytd only)* | 45.3074% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 1,219 |
| Loan loss allowance to noncurrent loans | 80.4959% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4060% | 262 |
| Noncurrent loans to loans | 1.8474% | 322 |
| Net loans and leases to total assets | 74.2400% | 1,256 |
| Net loans and leases to deposits | 85.6632% | 1,529 |
| Net loans and leases to core deposits | 93.1876% | 1,614 |
| Total domestic deposits to total assets | 86.6700% | 2,033 |
| Equity capital to assets | 11.7701% | 1,115 |
| Core capital (leverage) ratio | 12.6282% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1890% | 699 |
| Memoranda: | ||
| Average total assets | $174,394,333 | 3,185 |
| Average earning assets | $166,896,000 | 3,137 |
| Average equity | $20,324,000 | 2,833 |
| Average total loans | $127,738,333 | 2,877 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8938% | 362 |
| Cost of funding earning assets | 1.2056% | 1,435 |
| Net interest margin | 4.6883% | 451 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 3.9798% | 358 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 1.0740% | 2,306 |
| Return on assets (ROA) | 1.0740% | 2,276 |
| Pretax return on assets | 1.0740% | 2,784 |
| Return on Equity (ROE) | 9.2600% | 2,979 |
| Retained earnings to average equity (ytd only) | 4.3245% | 3,175 |
| Net charge-offs to loans | 0.2093% | 349 |
| Credit loss provision to net charge-offs | 113.6364% | 1,051 |
| Earnings coverage of net charge-offs (x) | 8.2424% | 1,730 |
| Efficiency ratio | 76.1613% | 1,153 |
| Assets per employee ($millions) | 3.4653% | 4,414 |
| Cash dividends to net income (ytd only)* | 53.3049% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4875% | 1,315 |
| Loan loss allowance to noncurrent loans | 79.7241% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.3671% | 256 |
| Noncurrent loans to loans | 1.8658% | 319 |
| Net loans and leases to total assets | 71.4600% | 1,479 |
| Net loans and leases to deposits | 81.1124% | 1,737 |
| Net loans and leases to core deposits | 88.4243% | 1,716 |
| Total domestic deposits to total assets | 88.1000% | 1,896 |
| Equity capital to assets | 11.6047% | 1,124 |
| Core capital (leverage) ratio | 12.5376% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2496% | 715 |
| Memoranda: | ||
| Average total assets | $174,680,500 | 3,225 |
| Average earning assets | $167,225,500 | 3,172 |
| Average equity | $20,256,500 | 2,870 |
| Average total loans | $126,109,000 | 2,918 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 196 |
| Cost of funding earning assets | 0.7088% | 566 |
| Net interest margin | 4.5780% | 255 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 3.7712% | 396 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.2119% | 1,729 |
| Return on assets (ROA) | 1.2119% | 1,673 |
| Pretax return on assets | 1.2325% | 2,330 |
| Return on Equity (ROE) | 10.7900% | 2,548 |
| Retained earnings to average equity (ytd only) | 4.3656% | 3,279 |
| Net charge-offs to loans | 0.2352% | 335 |
| Credit loss provision to net charge-offs | 101.0453% | 1,548 |
| Earnings coverage of net charge-offs (x) | 8.7456% | 2,254 |
| Efficiency ratio | 73.0195% | 1,321 |
| Assets per employee ($millions) | 3.3849% | 4,471 |
| Cash dividends to net income (ytd only)* | 59.5511% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 1,117 |
| Loan loss allowance to noncurrent loans | 99.1641% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 355 |
| Noncurrent loans to loans | 1.5433% | 420 |
| Net loans and leases to total assets | 70.7400% | 1,556 |
| Net loans and leases to deposits | 80.1913% | 1,758 |
| Net loans and leases to core deposits | 87.0304% | 1,677 |
| Total domestic deposits to total assets | 88.2200% | 2,007 |
| Equity capital to assets | 11.5877% | 1,056 |
| Core capital (leverage) ratio | 12.2886% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8625% | 635 |
| Memoranda: | ||
| Average total assets | $180,128,000 | 3,190 |
| Average earning assets | $173,111,800 | 3,120 |
| Average equity | $20,226,400 | 2,936 |
| Average total loans | $122,005,200 | 2,899 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 197 |
| Cost of funding earning assets | 0.6595% | 200 |
| Net interest margin | 4.2336% | 311 |
| Noninterest income to average assets | 0.7345% | 1,219 |
| Noninterest expense to average assets | 3.4908% | 443 |
| Loan and lease loss provision to assets | 0.1532% | 618 |
| Net operating income to assets | 1.1253% | 1,684 |
| Return on assets (ROA) | 1.1253% | 1,663 |
| Pretax return on assets | 1.1658% | 2,185 |
| Return on Equity (ROE) | 10.0676% | 2,310 |
| Retained earnings to average equity (ytd only) | 7.1296% | 1,944 |
| Net charge-offs to loans | -0.0759% | 4,374 |
| Credit loss provision to net charge-offs | -304.3478% | 3,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5762% | 1,682 |
| Assets per employee ($millions) | 3.6964% | 4,492 |
| Cash dividends to net income (ytd only)* | 29.1829% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7261% | 921 |
| Loan loss allowance to noncurrent loans | 117.9705% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.0648% | 427 |
| Noncurrent loans to loans | 1.4632% | 509 |
| Net loans and leases to total assets | 64.1038% | 1,903 |
| Net loans and leases to deposits | 72.0371% | 2,020 |
| Net loans and leases to core deposits | 77.4791% | 1,893 |
| Total domestic deposits to total assets | 88.9872% | 2,191 |
| Equity capital to assets | 10.8586% | 1,279 |
| Core capital (leverage) ratio | 11.6487% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3922% | 593 |
| Memoranda: | ||
| Average total assets | $182,709,667 | 3,219 |
| Average earning assets | $175,879,667 | 3,162 |
| Average equity | $20,422,000 | 3,027 |
| Average total loans | $121,232,333 | 2,932 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 195 |
| Cost of funding earning assets | 0.6753% | 176 |
| Net interest margin | 4.1432% | 314 |
| Noninterest income to average assets | 0.7795% | 1,090 |
| Noninterest expense to average assets | 3.3118% | 529 |
| Loan and lease loss provision to assets | 0.1431% | 561 |
| Net operating income to assets | 1.2419% | 1,135 |
| Return on assets (ROA) | 1.2419% | 1,122 |
| Pretax return on assets | 1.3234% | 1,443 |
| Return on Equity (ROE) | 10.9523% | 1,635 |
| Retained earnings to average equity (ytd only) | 7.0685% | 1,876 |
| Net charge-offs to loans | 0.0559% | 743 |
| Credit loss provision to net charge-offs | 382.3529% | 593 |
| Earnings coverage of net charge-offs (x) | 39.1765% | 1,015 |
| Efficiency ratio | 69.3088% | 2,328 |
| Assets per employee ($millions) | 3.6137% | 4,527 |
| Cash dividends to net income (ytd only)* | 35.4610% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 1,247 |
| Loan loss allowance to noncurrent loans | 70.7832% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.6001% | 219 |
| Noncurrent loans to loans | 2.2732% | 288 |
| Net loans and leases to total assets | 64.4684% | 1,560 |
| Net loans and leases to deposits | 72.5657% | 1,741 |
| Net loans and leases to core deposits | 79.2220% | 1,537 |
| Total domestic deposits to total assets | 88.8414% | 2,153 |
| Equity capital to assets | 11.0397% | 1,315 |
| Core capital (leverage) ratio | 11.6174% | 1,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8465% | 663 |
| Memoranda: | ||
| Average total assets | $181,653,500 | 3,236 |
| Average earning assets | $175,324,500 | 3,181 |
| Average equity | $20,598,500 | 3,096 |
| Average total loans | $121,569,000 | 2,932 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6056% | 121 |
| Cost of funding earning assets | 0.7517% | 260 |
| Net interest margin | 4.8539% | 168 |
| Noninterest income to average assets | 0.7607% | 1,561 |
| Noninterest expense to average assets | 3.9383% | 305 |
| Loan and lease loss provision to assets | 0.0694% | 1,690 |
| Net operating income to assets | 1.4191% | 1,219 |
| Return on assets (ROA) | 1.4191% | 1,284 |
| Pretax return on assets | 1.4191% | 1,986 |
| Return on Equity (ROE) | 11.7712% | 1,888 |
| Retained earnings to average equity (ytd only) | 5.5380% | 2,546 |
| Net charge-offs to loans | 0.1967% | 494 |
| Credit loss provision to net charge-offs | 52.4017% | 2,121 |
| Earnings coverage of net charge-offs (x) | 11.2445% | 2,164 |
| Efficiency ratio | 72.5714% | 1,447 |
| Assets per employee ($millions) | 3.5100% | 4,583 |
| Cash dividends to net income (ytd only)* | 52.9532% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5484% | 1,392 |
| Loan loss allowance to noncurrent loans | 64.3682% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.7915% | 200 |
| Noncurrent loans to loans | 2.4056% | 284 |
| Net loans and leases to total assets | 67.3072% | 1,331 |
| Net loans and leases to deposits | 76.2797% | 1,542 |
| Net loans and leases to core deposits | 84.9588% | 1,266 |
| Total domestic deposits to total assets | 88.2375% | 1,914 |
| Equity capital to assets | 11.6480% | 1,426 |
| Core capital (leverage) ratio | 11.4685% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3195% | 715 |
| Memoranda: | ||
| Average total assets | $172,994,200 | 3,270 |
| Average earning assets | $166,297,800 | 3,221 |
| Average equity | $20,856,000 | 3,142 |
| Average total loans | $116,400,600 | 2,984 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8466% | 102 |
| Cost of funding earning assets | 0.7682% | 284 |
| Net interest margin | 5.0784% | 143 |
| Noninterest income to average assets | 0.7705% | 1,615 |
| Noninterest expense to average assets | 3.8571% | 317 |
| Loan and lease loss provision to assets | 0.0624% | 1,754 |
| Net operating income to assets | 1.7291% | 777 |
| Return on assets (ROA) | 1.7291% | 812 |
| Pretax return on assets | 1.7291% | 1,340 |
| Return on Equity (ROE) | 14.2169% | 1,335 |
| Retained earnings to average equity (ytd only) | 9.1029% | 1,658 |
| Net charge-offs to loans | -0.0116% | 3,729 |
| Credit loss provision to net charge-offs | -800.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2863% | 1,784 |
| Assets per employee ($millions) | 3.3665% | 4,681 |
| Cash dividends to net income (ytd only)* | 35.9712% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7930% | 941 |
| Loan loss allowance to noncurrent loans | 99.6194% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.3255% | 425 |
| Noncurrent loans to loans | 1.7999% | 537 |
| Net loans and leases to total assets | 64.2801% | 1,732 |
| Net loans and leases to deposits | 73.5032% | 1,901 |
| Net loans and leases to core deposits | 82.5628% | 1,531 |
| Total domestic deposits to total assets | 87.4520% | 2,133 |
| Equity capital to assets | 11.9192% | 1,437 |
| Core capital (leverage) ratio | 11.7052% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3494% | 660 |
| Memoranda: | ||
| Average total assets | $171,490,500 | 3,317 |
| Average earning assets | $164,718,500 | 3,266 |
| Average equity | $20,857,250 | 3,174 |
| Average total loans | $114,905,500 | 3,039 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3174% | 68 |
| Cost of funding earning assets | 0.7771% | 322 |
| Net interest margin | 5.5404% | 91 |
| Noninterest income to average assets | 0.7093% | 1,772 |
| Noninterest expense to average assets | 3.3550% | 573 |
| Loan and lease loss provision to assets | 0.0946% | 1,325 |
| Net operating income to assets | 2.5866% | 199 |
| Return on assets (ROA) | 2.5866% | 210 |
| Pretax return on assets | 2.5866% | 311 |
| Return on Equity (ROE) | 21.1190% | 376 |
| Retained earnings to average equity (ytd only) | 17.2581% | 260 |
| Net charge-offs to loans | -0.0490% | 4,366 |
| Credit loss provision to net charge-offs | -285.7143% | 3,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5817% | 3,591 |
| Assets per employee ($millions) | 3.2977% | 4,726 |
| Cash dividends to net income (ytd only)* | 18.2815% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 946 |
| Loan loss allowance to noncurrent loans | 92.0261% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.4247% | 418 |
| Noncurrent loans to loans | 1.9171% | 516 |
| Net loans and leases to total assets | 66.0394% | 1,692 |
| Net loans and leases to deposits | 75.2923% | 1,892 |
| Net loans and leases to core deposits | 85.1106% | 1,486 |
| Total domestic deposits to total assets | 87.7107% | 1,979 |
| Equity capital to assets | 12.1343% | 1,301 |
| Core capital (leverage) ratio | 12.2697% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2435% | 671 |
| Memoranda: | ||
| Average total assets | $169,178,333 | 3,349 |
| Average earning assets | $162,660,667 | 3,289 |
| Average equity | $20,720,667 | 3,184 |
| Average total loans | $114,278,333 | 3,066 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1498% | 87 |
| Cost of funding earning assets | 0.7996% | 347 |
| Net interest margin | 5.3501% | 126 |
| Noninterest income to average assets | 0.6678% | 1,964 |
| Noninterest expense to average assets | 3.2295% | 684 |
| Loan and lease loss provision to assets | 0.1457% | 908 |
| Net operating income to assets | 2.4428% | 288 |
| Return on assets (ROA) | 2.4428% | 313 |
| Pretax return on assets | 2.4428% | 485 |
| Return on Equity (ROE) | 19.8451% | 543 |
| Retained earnings to average equity (ytd only) | 15.8998% | 532 |
| Net charge-offs to loans | -0.0896% | 4,600 |
| Credit loss provision to net charge-offs | -240.0000% | 3,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5092% | 3,605 |
| Assets per employee ($millions) | 3.0999% | 4,802 |
| Cash dividends to net income (ytd only)* | 19.8807% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 780 |
| Loan loss allowance to noncurrent loans | 80.5010% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.6775% | 343 |
| Noncurrent loans to loans | 2.3157% | 421 |
| Net loans and leases to total assets | 65.6977% | 1,828 |
| Net loans and leases to deposits | 75.0271% | 2,017 |
| Net loans and leases to core deposits | 84.5317% | 1,629 |
| Total domestic deposits to total assets | 87.5653% | 2,062 |
| Equity capital to assets | 12.3135% | 1,145 |
| Core capital (leverage) ratio | 12.4905% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6417% | 614 |
| Memoranda: | ||
| Average total assets | $164,730,500 | 3,387 |
| Average earning assets | $158,575,500 | 3,323 |
| Average equity | $20,277,000 | 3,221 |
| Average total loans | $111,562,000 | 3,105 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6867% | 141 |
| Cost of funding earning assets | 1.0589% | 474 |
| Net interest margin | 4.6278% | 250 |
| Noninterest income to average assets | 0.7169% | 1,803 |
| Noninterest expense to average assets | 4.1575% | 325 |
| Loan and lease loss provision to assets | 0.1965% | 1,984 |
| Net operating income to assets | 0.7829% | 3,161 |
| Return on assets (ROA) | 0.7829% | 3,282 |
| Pretax return on assets | 0.7829% | 3,668 |
| Return on Equity (ROE) | 5.7949% | 3,641 |
| Retained earnings to average equity (ytd only) | -1.6028% | 4,676 |
| Net charge-offs to loans | 0.1945% | 882 |
| Credit loss provision to net charge-offs | 139.8104% | 2,482 |
| Earnings coverage of net charge-offs (x) | 6.9668% | 2,734 |
| Efficiency ratio | 80.9339% | 822 |
| Assets per employee ($millions) | 3.0579% | 4,800 |
| Cash dividends to net income (ytd only)* | 127.6596% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8044% | 844 |
| Loan loss allowance to noncurrent loans | 62.8607% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 2.0874% | 262 |
| Noncurrent loans to loans | 2.8705% | 317 |
| Net loans and leases to total assets | 67.2913% | 1,918 |
| Net loans and leases to deposits | 76.8175% | 2,195 |
| Net loans and leases to core deposits | 87.2393% | 1,770 |
| Total domestic deposits to total assets | 87.5990% | 1,660 |
| Equity capital to assets | 12.3048% | 1,416 |
| Core capital (leverage) ratio | 12.1804% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8833% | 673 |
| Memoranda: | ||
| Average total assets | $150,090,400 | 3,406 |
| Average earning assets | $143,351,200 | 3,342 |
| Average equity | $20,276,400 | 3,166 |
| Average total loans | $108,507,000 | 3,113 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8649% | 133 |
| Cost of funding earning assets | 1.1121% | 512 |
| Net interest margin | 4.7528% | 227 |
| Noninterest income to average assets | 0.6762% | 1,871 |
| Noninterest expense to average assets | 3.9483% | 397 |
| Loan and lease loss provision to assets | 0.2039% | 1,961 |
| Net operating income to assets | 1.0523% | 2,132 |
| Return on assets (ROA) | 1.0523% | 2,268 |
| Pretax return on assets | 1.0523% | 2,900 |
| Return on Equity (ROE) | 7.6030% | 2,962 |
| Retained earnings to average equity (ytd only) | 3.6738% | 3,211 |
| Net charge-offs to loans | 0.1026% | 1,286 |
| Credit loss provision to net charge-offs | 271.0843% | 1,852 |
| Earnings coverage of net charge-offs (x) | 16.6988% | 2,049 |
| Efficiency ratio | 75.8621% | 1,215 |
| Assets per employee ($millions) | 2.8117% | 4,886 |
| Cash dividends to net income (ytd only)* | 51.6796% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9129% | 572 |
| Loan loss allowance to noncurrent loans | 78.9131% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.9122% | 364 |
| Noncurrent loans to loans | 2.4241% | 440 |
| Net loans and leases to total assets | 68.3715% | 2,185 |
| Net loans and leases to deposits | 79.2360% | 2,399 |
| Net loans and leases to core deposits | 91.5920% | 1,831 |
| Total domestic deposits to total assets | 86.2883% | 1,944 |
| Equity capital to assets | 13.4711% | 1,012 |
| Core capital (leverage) ratio | 13.1043% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2400% | 563 |
| Memoranda: | ||
| Average total assets | $147,096,250 | 3,426 |
| Average earning assets | $140,152,250 | 3,367 |
| Average equity | $20,360,000 | 3,148 |
| Average total loans | $107,868,500 | 3,130 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0569% | 138 |
| Cost of funding earning assets | 1.1490% | 611 |
| Net interest margin | 4.9078% | 236 |
| Noninterest income to average assets | 0.6944% | 1,758 |
| Noninterest expense to average assets | 4.1499% | 345 |
| Loan and lease loss provision to assets | 0.2075% | 1,978 |
| Net operating income to assets | 0.9987% | 2,337 |
| Return on assets (ROA) | 0.9987% | 2,459 |
| Pretax return on assets | 0.9987% | 3,035 |
| Return on Equity (ROE) | 7.1476% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.1877% | 3,310 |
| Net charge-offs to loans | 0.0334% | 2,066 |
| Credit loss provision to net charge-offs | 833.3333% | 894 |
| Earnings coverage of net charge-offs (x) | 48.4444% | 1,122 |
| Efficiency ratio | 77.4793% | 1,108 |
| Assets per employee ($millions) | 2.8573% | 4,889 |
| Cash dividends to net income (ytd only)* | 55.4017% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 559 |
| Loan loss allowance to noncurrent loans | 67.3670% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.2120% | 299 |
| Noncurrent loans to loans | 2.7863% | 381 |
| Net loans and leases to total assets | 69.5227% | 2,108 |
| Net loans and leases to deposits | 80.4898% | 2,371 |
| Net loans and leases to core deposits | 92.8430% | 1,833 |
| Total domestic deposits to total assets | 86.3745% | 1,856 |
| Equity capital to assets | 13.2554% | 1,060 |
| Core capital (leverage) ratio | 13.4478% | 887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7113% | 609 |
| Memoranda: | ||
| Average total assets | $144,581,000 | 3,433 |
| Average earning assets | $137,331,333 | 3,385 |
| Average equity | $20,202,667 | 3,156 |
| Average total loans | $107,893,667 | 3,128 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1720% | 134 |
| Cost of funding earning assets | 1.2187% | 722 |
| Net interest margin | 4.9534% | 211 |
| Noninterest income to average assets | 0.8073% | 1,290 |
| Noninterest expense to average assets | 3.7788% | 642 |
| Loan and lease loss provision to assets | 0.2147% | 1,430 |
| Net operating income to assets | 1.5029% | 780 |
| Return on assets (ROA) | 1.5029% | 852 |
| Pretax return on assets | 1.5029% | 1,297 |
| Return on Equity (ROE) | 10.4592% | 1,596 |
| Retained earnings to average equity (ytd only) | 10.4592% | 652 |
| Net charge-offs to loans | 0.0075% | 2,299 |
| Credit loss provision to net charge-offs | 3,750.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 300.0000% | 238 |
| Efficiency ratio | 68.7500% | 2,547 |
| Assets per employee ($millions) | 2.5475% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 664 |
| Loan loss allowance to noncurrent loans | 78.9620% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 2.0491% | 402 |
| Noncurrent loans to loans | 2.3404% | 535 |
| Net loans and leases to total assets | 75.5474% | 1,377 |
| Net loans and leases to deposits | 88.5293% | 1,689 |
| Net loans and leases to core deposits | 104.0816% | 1,181 |
| Total domestic deposits to total assets | 85.3360% | 2,273 |
| Equity capital to assets | 14.3635% | 936 |
| Core capital (leverage) ratio | 14.5285% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5282% | 595 |
| Memoranda: | ||
| Average total assets | $139,725,500 | 3,460 |
| Average earning assets | $132,274,000 | 3,416 |
| Average equity | $20,078,000 | 3,164 |
| Average total loans | $107,180,500 | 3,116 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4117% | 124 |
| Cost of funding earning assets | 1.1943% | 1,034 |
| Net interest margin | 5.2174% | 185 |
| Noninterest income to average assets | 0.8957% | 1,183 |
| Noninterest expense to average assets | 4.3299% | 361 |
| Loan and lease loss provision to assets | 0.2952% | 573 |
| Net operating income to assets | 1.2546% | 1,854 |
| Return on assets (ROA) | 1.2532% | 1,943 |
| Pretax return on assets | 1.2532% | 2,657 |
| Return on Equity (ROE) | 8.8897% | 2,805 |
| Retained earnings to average equity (ytd only) | 3.5650% | 3,219 |
| Net charge-offs to loans | 0.1578% | 1,273 |
| Credit loss provision to net charge-offs | 241.5205% | 1,122 |
| Earnings coverage of net charge-offs (x) | 12.6784% | 2,402 |
| Efficiency ratio | 73.6413% | 1,650 |
| Assets per employee ($millions) | 2.5334% | 4,989 |
| Cash dividends to net income (ytd only)* | 59.8973% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 653 |
| Loan loss allowance to noncurrent loans | 100.4710% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 1.6205% | 595 |
| Noncurrent loans to loans | 1.7941% | 751 |
| Net loans and leases to total assets | 75.0666% | 1,577 |
| Net loans and leases to deposits | 87.8265% | 1,877 |
| Net loans and leases to core deposits | 102.1555% | 1,395 |
| Total domestic deposits to total assets | 85.4714% | 2,307 |
| Equity capital to assets | 14.3757% | 978 |
| Core capital (leverage) ratio | 14.0068% | 924 |
| Tier 1 risk-based capital ratio | 20.8957% | 1,182 |
| Total risk-based capital ratio | 22.1545% | 1,159 |
| Memoranda: | ||
| Average total assets | $139,886,200 | 3,435 |
| Average earning assets | $133,630,000 | 3,372 |
| Average equity | $19,719,400 | 3,159 |
| Average total loans | $108,366,800 | 3,110 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4251% | 124 |
| Cost of funding earning assets | 1.1714% | 1,111 |
| Net interest margin | 5.2537% | 181 |
| Noninterest income to average assets | 0.8522% | 1,267 |
| Noninterest expense to average assets | 4.0183% | 519 |
| Loan and lease loss provision to assets | 0.3218% | 439 |
| Net operating income to assets | 1.5302% | 1,114 |
| Return on assets (ROA) | 1.5283% | 1,171 |
| Pretax return on assets | 1.5283% | 1,878 |
| Return on Equity (ROE) | 10.8950% | 2,061 |
| Retained earnings to average equity (ytd only) | 6.1433% | 2,303 |
| Net charge-offs to loans | 0.0662% | 1,881 |
| Credit loss provision to net charge-offs | 625.9259% | 522 |
| Earnings coverage of net charge-offs (x) | 36.0176% | 1,455 |
| Efficiency ratio | 68.4509% | 2,349 |
| Assets per employee ($millions) | 2.5568% | 5,061 |
| Cash dividends to net income (ytd only)* | 43.6136% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8336% | 632 |
| Loan loss allowance to noncurrent loans | 82.2371% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.9683% | 449 |
| Noncurrent loans to loans | 2.2297% | 559 |
| Net loans and leases to total assets | 74.7330% | 1,687 |
| Net loans and leases to deposits | 88.4042% | 1,877 |
| Net loans and leases to core deposits | 102.5948% | 1,449 |
| Total domestic deposits to total assets | 84.5356% | 2,612 |
| Equity capital to assets | 14.3558% | 1,020 |
| Core capital (leverage) ratio | 14.3755% | 885 |
| Tier 1 risk-based capital ratio | 20.9302% | 1,199 |
| Total risk-based capital ratio | 22.1897% | 1,178 |
| Memoranda: | ||
| Average total assets | $140,023,000 | 3,475 |
| Average earning assets | $133,743,750 | 3,402 |
| Average equity | $19,641,500 | 3,190 |
| Average total loans | $108,829,250 | 3,139 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3171% | 147 |
| Cost of funding earning assets | 1.1518% | 1,129 |
| Net interest margin | 5.1653% | 209 |
| Noninterest income to average assets | 0.9855% | 898 |
| Noninterest expense to average assets | 3.9350% | 582 |
| Loan and lease loss provision to assets | 0.3762% | 336 |
| Net operating income to assets | 1.6135% | 875 |
| Return on assets (ROA) | 1.6106% | 924 |
| Pretax return on assets | 1.6106% | 1,516 |
| Return on Equity (ROE) | 11.5729% | 1,753 |
| Retained earnings to average equity (ytd only) | 7.4617% | 1,624 |
| Net charge-offs to loans | 0.1225% | 1,216 |
| Credit loss provision to net charge-offs | 392.5373% | 728 |
| Earnings coverage of net charge-offs (x) | 20.7612% | 1,759 |
| Efficiency ratio | 66.4172% | 2,763 |
| Assets per employee ($millions) | 2.5791% | 5,095 |
| Cash dividends to net income (ytd only)* | 35.5240% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 778 |
| Loan loss allowance to noncurrent loans | 54.9721% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.8196% | 232 |
| Noncurrent loans to loans | 3.1348% | 313 |
| Net loans and leases to total assets | 76.7356% | 1,431 |
| Net loans and leases to deposits | 90.6909% | 1,668 |
| Net loans and leases to core deposits | 105.3819% | 1,283 |
| Total domestic deposits to total assets | 84.6122% | 2,637 |
| Equity capital to assets | 14.3617% | 998 |
| Core capital (leverage) ratio | 14.2133% | 901 |
| Tier 1 risk-based capital ratio | 20.4006% | 1,275 |
| Total risk-based capital ratio | 21.6589% | 1,241 |
| Memoranda: | ||
| Average total assets | $139,822,000 | 3,496 |
| Average earning assets | $133,700,670 | 3,429 |
| Average equity | $19,459,330 | 3,201 |
| Average total loans | $109,420,000 | 3,145 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0658% | 201 |
| Cost of funding earning assets | 1.1273% | 1,097 |
| Net interest margin | 4.9385% | 316 |
| Noninterest income to average assets | 1.2420% | 532 |
| Noninterest expense to average assets | 4.1828% | 413 |
| Loan and lease loss provision to assets | 0.5368% | 194 |
| Net operating income to assets | 1.2506% | 1,890 |
| Return on assets (ROA) | 1.2391% | 1,972 |
| Pretax return on assets | 1.2391% | 2,669 |
| Return on Equity (ROE) | 9.0473% | 2,789 |
| Retained earnings to average equity (ytd only) | 4.8780% | 2,959 |
| Net charge-offs to loans | 0.3134% | 479 |
| Credit loss provision to net charge-offs | 218.6047% | 994 |
| Earnings coverage of net charge-offs (x) | 7.2791% | 2,144 |
| Efficiency ratio | 70.0622% | 2,327 |
| Assets per employee ($millions) | 2.5754% | 5,162 |
| Cash dividends to net income (ytd only)* | 46.0829% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 1,021 |
| Loan loss allowance to noncurrent loans | 45.2926% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 3.0883% | 203 |
| Noncurrent loans to loans | 3.5793% | 249 |
| Net loans and leases to total assets | 77.6698% | 1,212 |
| Net loans and leases to deposits | 91.4825% | 1,457 |
| Net loans and leases to core deposits | 105.9406% | 1,177 |
| Total domestic deposits to total assets | 84.9013% | 2,718 |
| Equity capital to assets | 13.9417% | 1,062 |
| Core capital (leverage) ratio | 13.7310% | 1,017 |
| Tier 1 risk-based capital ratio | 19.6464% | 1,412 |
| Total risk-based capital ratio | 20.9032% | 1,387 |
| Memoranda: | ||
| Average total assets | $140,096,500 | 3,531 |
| Average earning assets | $134,130,000 | 3,452 |
| Average equity | $19,188,000 | 3,239 |
| Average total loans | $109,757,000 | 3,175 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9960% | 165 |
| Cost of funding earning assets | 0.8823% | 1,165 |
| Net interest margin | 5.1137% | 219 |
| Noninterest income to average assets | 0.7119% | 1,804 |
| Noninterest expense to average assets | 4.1228% | 453 |
| Loan and lease loss provision to assets | 0.4817% | 250 |
| Net operating income to assets | 0.9932% | 3,038 |
| Return on assets (ROA) | 0.9917% | 3,042 |
| Pretax return on assets | 0.9917% | 3,634 |
| Return on Equity (ROE) | 7.5008% | 3,661 |
| Retained earnings to average equity (ytd only) | 2.6788% | 4,064 |
| Net charge-offs to loans | 0.4278% | 428 |
| Credit loss provision to net charge-offs | 144.9893% | 1,876 |
| Earnings coverage of net charge-offs (x) | 4.4392% | 3,298 |
| Efficiency ratio | 73.6522% | 1,674 |
| Assets per employee ($millions) | 2.7139% | 5,134 |
| Cash dividends to net income (ytd only)* | 64.2857% | 1,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5294% | 1,202 |
| Loan loss allowance to noncurrent loans | 41.3300% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 3.1363% | 185 |
| Noncurrent loans to loans | 3.7004% | 221 |
| Net loans and leases to total assets | 76.5577% | 1,508 |
| Net loans and leases to deposits | 92.0664% | 1,546 |
| Net loans and leases to core deposits | 106.9534% | 1,199 |
| Total domestic deposits to total assets | 83.1549% | 3,275 |
| Equity capital to assets | 13.4544% | 1,163 |
| Core capital (leverage) ratio | 13.6285% | 1,032 |
| Tier 1 risk-based capital ratio | 19.3841% | 1,429 |
| Total risk-based capital ratio | 20.6393% | 1,389 |
| Memoranda: | ||
| Average total assets | $141,165,000 | 3,487 |
| Average earning assets | $134,872,400 | 3,427 |
| Average equity | $18,664,800 | 3,222 |
| Average total loans | $109,635,800 | 3,136 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9453% | 170 |
| Cost of funding earning assets | 0.8283% | 1,203 |
| Net interest margin | 5.1170% | 210 |
| Noninterest income to average assets | 0.8009% | 1,472 |
| Noninterest expense to average assets | 4.1394% | 432 |
| Loan and lease loss provision to assets | 0.5619% | 184 |
| Net operating income to assets | 0.9888% | 3,135 |
| Return on assets (ROA) | 0.9888% | 3,144 |
| Pretax return on assets | 0.9888% | 3,751 |
| Return on Equity (ROE) | 7.5116% | 3,745 |
| Retained earnings to average equity (ytd only) | 2.8482% | 4,296 |
| Net charge-offs to loans | 0.3722% | 435 |
| Credit loss provision to net charge-offs | 194.4444% | 1,413 |
| Earnings coverage of net charge-offs (x) | 5.3660% | 2,961 |
| Efficiency ratio | 72.7469% | 1,770 |
| Assets per employee ($millions) | 2.6740% | 5,223 |
| Cash dividends to net income (ytd only)* | 62.0823% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6164% | 1,038 |
| Loan loss allowance to noncurrent loans | 42.0498% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 3.2909% | 200 |
| Noncurrent loans to loans | 3.8440% | 230 |
| Net loans and leases to total assets | 76.8659% | 1,522 |
| Net loans and leases to deposits | 92.7940% | 1,522 |
| Net loans and leases to core deposits | 105.6334% | 1,339 |
| Total domestic deposits to total assets | 82.8350% | 3,364 |
| Equity capital to assets | 13.4865% | 1,142 |
| Core capital (leverage) ratio | 13.6640% | 1,041 |
| Tier 1 risk-based capital ratio | 19.4960% | 1,439 |
| Total risk-based capital ratio | 20.7519% | 1,403 |
| Memoranda: | ||
| Average total assets | $141,176,000 | 3,527 |
| Average earning assets | $134,892,250 | 3,464 |
| Average equity | $18,584,250 | 3,248 |
| Average total loans | $109,615,500 | 3,164 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8866% | 163 |
| Cost of funding earning assets | 0.7988% | 1,134 |
| Net interest margin | 5.0878% | 213 |
| Noninterest income to average assets | 0.8119% | 1,438 |
| Noninterest expense to average assets | 4.0343% | 504 |
| Loan and lease loss provision to assets | 0.7330% | 132 |
| Net operating income to assets | 0.9021% | 3,445 |
| Return on assets (ROA) | 0.9007% | 3,460 |
| Pretax return on assets | 0.9007% | 3,965 |
| Return on Equity (ROE) | 6.8977% | 3,928 |
| Retained earnings to average equity (ytd only) | 2.0402% | 4,443 |
| Net charge-offs to loans | 0.5385% | 273 |
| Credit loss provision to net charge-offs | 175.6757% | 1,419 |
| Earnings coverage of net charge-offs (x) | 3.9189% | 2,840 |
| Efficiency ratio | 71.1586% | 2,132 |
| Assets per employee ($millions) | 2.7006% | 5,261 |
| Cash dividends to net income (ytd only)* | 70.4225% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,221 |
| Loan loss allowance to noncurrent loans | 45.1294% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 2.8890% | 270 |
| Noncurrent loans to loans | 3.4468% | 289 |
| Net loans and leases to total assets | 76.2088% | 1,599 |
| Net loans and leases to deposits | 89.6638% | 1,886 |
| Net loans and leases to core deposits | 102.4517% | 1,530 |
| Total domestic deposits to total assets | 84.9939% | 2,675 |
| Equity capital to assets | 13.2614% | 1,203 |
| Core capital (leverage) ratio | 13.3129% | 1,130 |
| Tier 1 risk-based capital ratio | 19.5209% | 1,425 |
| Total risk-based capital ratio | 20.7768% | 1,384 |
| Memoranda: | ||
| Average total assets | $141,884,670 | 3,546 |
| Average earning assets | $135,461,330 | 3,478 |
| Average equity | $18,528,000 | 3,272 |
| Average total loans | $109,941,330 | 3,173 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8548% | 169 |
| Cost of funding earning assets | 0.7885% | 998 |
| Net interest margin | 5.0663% | 207 |
| Noninterest income to average assets | 0.7236% | 1,727 |
| Noninterest expense to average assets | 3.8510% | 627 |
| Loan and lease loss provision to assets | 1.2481% | 66 |
| Net operating income to assets | 0.4544% | 4,803 |
| Return on assets (ROA) | 0.4516% | 4,811 |
| Pretax return on assets | 0.4516% | 4,955 |
| Return on Equity (ROE) | 3.4848% | 4,895 |
| Retained earnings to average equity (ytd only) | -1.9264% | 5,003 |
| Net charge-offs to loans | 0.1592% | 885 |
| Credit loss provision to net charge-offs | 1,011.3636% | 337 |
| Earnings coverage of net charge-offs (x) | 13.7955% | 1,738 |
| Efficiency ratio | 69.3434% | 2,610 |
| Assets per employee ($millions) | 2.7747% | 5,296 |
| Cash dividends to net income (ytd only)* | 155.2795% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 979 |
| Loan loss allowance to noncurrent loans | 48.6585% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.8943% | 285 |
| Noncurrent loans to loans | 3.4650% | 301 |
| Net loans and leases to total assets | 75.4954% | 1,621 |
| Net loans and leases to deposits | 90.7634% | 1,593 |
| Net loans and leases to core deposits | 103.3590% | 1,430 |
| Total domestic deposits to total assets | 83.1782% | 3,608 |
| Equity capital to assets | 12.7312% | 1,373 |
| Core capital (leverage) ratio | 13.0434% | 1,169 |
| Tier 1 risk-based capital ratio | 18.7809% | 1,609 |
| Total risk-based capital ratio | 20.0388% | 1,569 |
| Memoranda: | ||
| Average total assets | $142,612,000 | 3,567 |
| Average earning assets | $135,956,500 | 3,506 |
| Average equity | $18,480,500 | 3,309 |
| Average total loans | $110,556,500 | 3,182 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0533% | 123 |
| Cost of funding earning assets | 0.6997% | 1,021 |
| Net interest margin | 5.3537% | 131 |
| Noninterest income to average assets | 0.6597% | 2,141 |
| Noninterest expense to average assets | 4.0197% | 521 |
| Loan and lease loss provision to assets | 0.2500% | 748 |
| Net operating income to assets | 1.4860% | 831 |
| Return on assets (ROA) | 1.4860% | 853 |
| Pretax return on assets | 1.4860% | 1,698 |
| Return on Equity (ROE) | 11.6551% | 1,302 |
| Retained earnings to average equity (ytd only) | 5.8880% | 1,603 |
| Net charge-offs to loans | 0.4847% | 490 |
| Credit loss provision to net charge-offs | 66.2338% | 3,147 |
| Earnings coverage of net charge-offs (x) | 4.5993% | 3,443 |
| Efficiency ratio | 69.8382% | 2,587 |
| Assets per employee ($millions) | 2.7104% | 5,378 |
| Cash dividends to net income (ytd only)* | 49.4816% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 2,074 |
| Loan loss allowance to noncurrent loans | 33.2578% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 3.3525% | 206 |
| Noncurrent loans to loans | 3.9984% | 238 |
| Net loans and leases to total assets | 77.2316% | 1,386 |
| Net loans and leases to deposits | 91.4407% | 1,596 |
| Net loans and leases to core deposits | 96.7238% | 1,966 |
| Total domestic deposits to total assets | 84.4609% | 3,051 |
| Equity capital to assets | 13.1913% | 1,171 |
| Core capital (leverage) ratio | 13.2577% | 1,055 |
| Tier 1 risk-based capital ratio | 18.7714% | 1,565 |
| Total risk-based capital ratio | 20.0236% | 1,522 |
| Memoranda: | ||
| Average total assets | $142,798,000 | 3,569 |
| Average earning assets | $135,925,000 | 3,508 |
| Average equity | $18,206,600 | 3,339 |
| Average total loans | $111,198,400 | 3,162 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0396% | 127 |
| Cost of funding earning assets | 0.6967% | 980 |
| Net interest margin | 5.3428% | 134 |
| Noninterest income to average assets | 0.6822% | 2,073 |
| Noninterest expense to average assets | 3.8511% | 632 |
| Loan and lease loss provision to assets | 0.2624% | 642 |
| Net operating income to assets | 1.6501% | 640 |
| Return on assets (ROA) | 1.6501% | 660 |
| Pretax return on assets | 1.6501% | 1,244 |
| Return on Equity (ROE) | 13.0531% | 1,048 |
| Retained earnings to average equity (ytd only) | 7.5315% | 1,416 |
| Net charge-offs to loans | 0.2573% | 840 |
| Credit loss provision to net charge-offs | 131.1628% | 1,880 |
| Earnings coverage of net charge-offs (x) | 9.5581% | 2,681 |
| Efficiency ratio | 66.8174% | 3,079 |
| Assets per employee ($millions) | 2.7133% | 5,431 |
| Cash dividends to net income (ytd only)* | 42.3014% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 1,375 |
| Loan loss allowance to noncurrent loans | 54.3382% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 2.5742% | 407 |
| Noncurrent loans to loans | 2.8447% | 473 |
| Net loans and leases to total assets | 77.4663% | 1,356 |
| Net loans and leases to deposits | 91.2810% | 1,653 |
| Net loans and leases to core deposits | 96.0541% | 2,066 |
| Total domestic deposits to total assets | 84.8658% | 2,765 |
| Equity capital to assets | 13.2673% | 1,266 |
| Core capital (leverage) ratio | 13.1748% | 1,137 |
| Tier 1 risk-based capital ratio | 18.5447% | 1,713 |
| Total risk-based capital ratio | 19.8001% | 1,666 |
| Memoranda: | ||
| Average total assets | $143,262,250 | 3,597 |
| Average earning assets | $136,254,000 | 3,532 |
| Average equity | $18,110,250 | 3,378 |
| Average total loans | $111,418,500 | 3,187 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9824% | 127 |
| Cost of funding earning assets | 0.6837% | 969 |
| Net interest margin | 5.2987% | 143 |
| Noninterest income to average assets | 0.6473% | 2,219 |
| Noninterest expense to average assets | 3.8782% | 609 |
| Loan and lease loss provision to assets | 0.2084% | 857 |
| Net operating income to assets | 1.5988% | 712 |
| Return on assets (ROA) | 1.5988% | 731 |
| Pretax return on assets | 1.5988% | 1,347 |
| Return on Equity (ROE) | 12.8551% | 1,077 |
| Retained earnings to average equity (ytd only) | 7.2708% | 1,464 |
| Net charge-offs to loans | 0.3155% | 647 |
| Credit loss provision to net charge-offs | 85.2273% | 2,208 |
| Earnings coverage of net charge-offs (x) | 7.3920% | 2,608 |
| Efficiency ratio | 68.2140% | 2,968 |
| Assets per employee ($millions) | 2.7899% | 5,424 |
| Cash dividends to net income (ytd only)* | 43.4405% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4742% | 1,666 |
| Loan loss allowance to noncurrent loans | 52.3717% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 2.5667% | 410 |
| Noncurrent loans to loans | 2.8149% | 488 |
| Net loans and leases to total assets | 76.2331% | 1,510 |
| Net loans and leases to deposits | 89.4265% | 1,810 |
| Net loans and leases to core deposits | 94.3053% | 2,125 |
| Total domestic deposits to total assets | 85.2466% | 2,717 |
| Equity capital to assets | 12.9176% | 1,412 |
| Core capital (leverage) ratio | 12.7191% | 1,289 |
| Tier 1 risk-based capital ratio | 18.3686% | 1,756 |
| Total risk-based capital ratio | 19.6234% | 1,717 |
| Memoranda: | ||
| Average total assets | $143,986,000 | 3,597 |
| Average earning assets | $136,901,670 | 3,540 |
| Average equity | $17,907,330 | 3,405 |
| Average total loans | $111,553,330 | 3,199 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9378% | 133 |
| Cost of funding earning assets | 0.6755% | 954 |
| Net interest margin | 5.2622% | 146 |
| Noninterest income to average assets | 0.6462% | 2,201 |
| Noninterest expense to average assets | 3.7311% | 746 |
| Loan and lease loss provision to assets | 0.2071% | 790 |
| Net operating income to assets | 1.7206% | 529 |
| Return on assets (ROA) | 1.7206% | 539 |
| Pretax return on assets | 1.7206% | 964 |
| Return on Equity (ROE) | 14.1022% | 787 |
| Retained earnings to average equity (ytd only) | 7.3114% | 1,743 |
| Net charge-offs to loans | 0.5023% | 364 |
| Credit loss provision to net charge-offs | 53.1915% | 1,960 |
| Earnings coverage of net charge-offs (x) | 4.9504% | 2,332 |
| Efficiency ratio | 65.9346% | 3,506 |
| Assets per employee ($millions) | 2.8557% | 5,460 |
| Cash dividends to net income (ytd only)* | 48.1541% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 1,996 |
| Loan loss allowance to noncurrent loans | 40.7046% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 3.0802% | 319 |
| Noncurrent loans to loans | 3.4879% | 352 |
| Net loans and leases to total assets | 75.4700% | 1,505 |
| Net loans and leases to deposits | 89.9491% | 1,539 |
| Net loans and leases to core deposits | 94.4028% | 1,947 |
| Total domestic deposits to total assets | 83.9030% | 3,515 |
| Equity capital to assets | 12.2801% | 1,669 |
| Core capital (leverage) ratio | 12.3770% | 1,406 |
| Tier 1 risk-based capital ratio | 17.8538% | 1,924 |
| Total risk-based capital ratio | 19.1078% | 1,875 |
| Memoranda: | ||
| Average total assets | $144,836,000 | 3,620 |
| Average earning assets | $137,964,000 | 3,553 |
| Average equity | $17,671,000 | 3,458 |
| Average total loans | $112,284,000 | 3,213 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1294% | 107 |
| Cost of funding earning assets | 0.6353% | 1,136 |
| Net interest margin | 5.4941% | 111 |
| Noninterest income to average assets | 0.5904% | 2,712 |
| Noninterest expense to average assets | 3.9454% | 650 |
| Loan and lease loss provision to assets | 0.3777% | 431 |
| Net operating income to assets | 1.5005% | 829 |
| Return on assets (ROA) | 1.4998% | 850 |
| Pretax return on assets | 1.4998% | 1,580 |
| Return on Equity (ROE) | 12.2398% | 1,183 |
| Retained earnings to average equity (ytd only) | 5.3892% | 2,084 |
| Net charge-offs to loans | 0.9319% | 199 |
| Credit loss provision to net charge-offs | 52.4781% | 3,349 |
| Earnings coverage of net charge-offs (x) | 2.6093% | 3,799 |
| Efficiency ratio | 67.7477% | 3,289 |
| Assets per employee ($millions) | 2.8241% | 5,472 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 1,841 |
| Loan loss allowance to noncurrent loans | 48.6144% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 2.6772% | 427 |
| Noncurrent loans to loans | 2.9999% | 455 |
| Net loans and leases to total assets | 77.3589% | 1,301 |
| Net loans and leases to deposits | 92.4333% | 1,386 |
| Net loans and leases to core deposits | 97.7360% | 1,782 |
| Total domestic deposits to total assets | 83.6916% | 3,543 |
| Equity capital to assets | 12.1204% | 1,730 |
| Core capital (leverage) ratio | 12.1477% | 1,513 |
| Tier 1 risk-based capital ratio | 17.2871% | 2,063 |
| Total risk-based capital ratio | 18.5414% | 2,022 |
| Memoranda: | ||
| Average total assets | $142,952,400 | 3,623 |
| Average earning assets | $136,163,600 | 3,554 |
| Average equity | $17,516,600 | 3,486 |
| Average total loans | $110,423,600 | 3,211 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1279% | 106 |
| Cost of funding earning assets | 0.6301% | 1,140 |
| Net interest margin | 5.4978% | 112 |
| Noninterest income to average assets | 0.6130% | 2,596 |
| Noninterest expense to average assets | 3.7649% | 780 |
| Loan and lease loss provision to assets | 0.1682% | 1,358 |
| Net operating income to assets | 1.9147% | 393 |
| Return on assets (ROA) | 1.9081% | 419 |
| Pretax return on assets | 1.9081% | 696 |
| Return on Equity (ROE) | 15.5298% | 607 |
| Retained earnings to average equity (ytd only) | 9.4456% | 704 |
| Net charge-offs to loans | 0.1458% | 1,537 |
| Credit loss provision to net charge-offs | 150.0000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 18.5746% | 1,986 |
| Efficiency ratio | 64.3816% | 3,874 |
| Assets per employee ($millions) | 2.8350% | 5,522 |
| Cash dividends to net income (ytd only)* | 39.1773% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 783 |
| Loan loss allowance to noncurrent loans | 50.1712% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.3579% | 306 |
| Noncurrent loans to loans | 3.8893% | 291 |
| Net loans and leases to total assets | 76.3873% | 1,460 |
| Net loans and leases to deposits | 93.7722% | 1,277 |
| Net loans and leases to core deposits | 98.5861% | 1,762 |
| Total domestic deposits to total assets | 81.4605% | 4,117 |
| Equity capital to assets | 12.5962% | 1,711 |
| Core capital (leverage) ratio | 12.5414% | 1,381 |
| Tier 1 risk-based capital ratio | 17.4195% | 2,100 |
| Total risk-based capital ratio | 18.6798% | 2,061 |
| Memoranda: | ||
| Average total assets | $142,683,000 | 3,638 |
| Average earning assets | $135,856,500 | 3,571 |
| Average equity | $17,531,500 | 3,506 |
| Average total loans | $109,762,250 | 3,226 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1075% | 115 |
| Cost of funding earning assets | 0.6214% | 1,185 |
| Net interest margin | 5.4861% | 116 |
| Noninterest income to average assets | 0.5885% | 2,681 |
| Noninterest expense to average assets | 3.7198% | 854 |
| Loan and lease loss provision to assets | 0.1690% | 1,317 |
| Net operating income to assets | 1.9205% | 386 |
| Return on assets (ROA) | 1.9106% | 406 |
| Pretax return on assets | 1.9106% | 678 |
| Return on Equity (ROE) | 15.6836% | 578 |
| Retained earnings to average equity (ytd only) | 9.9048% | 620 |
| Net charge-offs to loans | 0.1599% | 1,372 |
| Credit loss provision to net charge-offs | 137.9310% | 1,696 |
| Earnings coverage of net charge-offs (x) | 17.0575% | 1,896 |
| Efficiency ratio | 64.0330% | 4,009 |
| Assets per employee ($millions) | 2.8775% | 5,546 |
| Cash dividends to net income (ytd only)* | 36.8460% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9680% | 788 |
| Loan loss allowance to noncurrent loans | 73.1469% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 2.3922% | 605 |
| Noncurrent loans to loans | 2.6905% | 607 |
| Net loans and leases to total assets | 76.6997% | 1,383 |
| Net loans and leases to deposits | 92.4617% | 1,454 |
| Net loans and leases to core deposits | 97.5668% | 1,850 |
| Total domestic deposits to total assets | 82.9529% | 3,673 |
| Equity capital to assets | 12.6569% | 1,685 |
| Core capital (leverage) ratio | 12.3253% | 1,444 |
| Tier 1 risk-based capital ratio | 17.6366% | 2,038 |
| Total risk-based capital ratio | 18.8974% | 1,993 |
| Memoranda: | ||
| Average total assets | $142,049,670 | 3,674 |
| Average earning assets | $135,179,000 | 3,608 |
| Average equity | $17,304,670 | 3,541 |
| Average total loans | $108,802,670 | 3,254 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0736% | 113 |
| Cost of funding earning assets | 0.6289% | 1,159 |
| Net interest margin | 5.4447% | 130 |
| Noninterest income to average assets | 0.5162% | 3,014 |
| Noninterest expense to average assets | 3.8127% | 761 |
| Loan and lease loss provision to assets | 0.1683% | 1,227 |
| Net operating income to assets | 1.7086% | 566 |
| Return on assets (ROA) | 1.6889% | 628 |
| Pretax return on assets | 1.6889% | 1,096 |
| Return on Equity (ROE) | 14.1364% | 809 |
| Retained earnings to average equity (ytd only) | 9.4399% | 989 |
| Net charge-offs to loans | 0.1888% | 1,034 |
| Credit loss provision to net charge-offs | 117.6471% | 1,456 |
| Earnings coverage of net charge-offs (x) | 13.1176% | 1,752 |
| Efficiency ratio | 67.0118% | 3,632 |
| Assets per employee ($millions) | 2.8533% | 5,641 |
| Cash dividends to net income (ytd only)* | 33.2226% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 844 |
| Loan loss allowance to noncurrent loans | 64.4551% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.6265% | 544 |
| Noncurrent loans to loans | 3.0717% | 517 |
| Net loans and leases to total assets | 74.5072% | 1,645 |
| Net loans and leases to deposits | 89.1699% | 1,681 |
| Net loans and leases to core deposits | 93.9923% | 1,988 |
| Total domestic deposits to total assets | 83.5565% | 3,691 |
| Equity capital to assets | 12.1299% | 1,938 |
| Core capital (leverage) ratio | 11.8923% | 1,683 |
| Tier 1 risk-based capital ratio | 17.2234% | 2,203 |
| Total risk-based capital ratio | 18.4846% | 2,169 |
| Memoranda: | ||
| Average total assets | $142,575,500 | 3,694 |
| Average earning assets | $135,471,000 | 3,626 |
| Average equity | $17,034,000 | 3,582 |
| Average total loans | $108,046,000 | 3,275 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9972% | 132 |
| Cost of funding earning assets | 0.5785% | 1,508 |
| Net interest margin | 5.4188% | 141 |
| Noninterest income to average assets | 0.4966% | 3,355 |
| Noninterest expense to average assets | 3.6668% | 1,022 |
| Loan and lease loss provision to assets | 0.2157% | 964 |
| Net operating income to assets | 1.7932% | 488 |
| Return on assets (ROA) | 1.8012% | 492 |
| Pretax return on assets | 1.8012% | 806 |
| Return on Equity (ROE) | 15.2408% | 653 |
| Retained earnings to average equity (ytd only) | 8.4341% | 793 |
| Net charge-offs to loans | 0.0699% | 2,846 |
| Credit loss provision to net charge-offs | 415.4930% | 738 |
| Earnings coverage of net charge-offs (x) | 38.6901% | 1,209 |
| Efficiency ratio | 64.6051% | 4,150 |
| Assets per employee ($millions) | 2.7401% | 5,747 |
| Cash dividends to net income (ytd only)* | 44.6610% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9861% | 827 |
| Loan loss allowance to noncurrent loans | 75.4411% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 798 |
| Noncurrent loans to loans | 2.6326% | 678 |
| Net loans and leases to total assets | 74.0503% | 1,720 |
| Net loans and leases to deposits | 89.9015% | 1,626 |
| Net loans and leases to core deposits | 95.3023% | 1,907 |
| Total domestic deposits to total assets | 82.3682% | 4,066 |
| Equity capital to assets | 11.7646% | 2,142 |
| Core capital (leverage) ratio | 11.7939% | 1,760 |
| Tier 1 risk-based capital ratio | 16.6650% | 2,403 |
| Total risk-based capital ratio | 17.9259% | 2,355 |
| Memoranda: | ||
| Average total assets | $136,740,600 | 3,771 |
| Average earning assets | $130,693,400 | 3,688 |
| Average equity | $16,160,600 | 3,652 |
| Average total loans | $101,529,000 | 3,358 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9669% | 136 |
| Cost of funding earning assets | 0.5654% | 1,666 |
| Net interest margin | 5.4015% | 143 |
| Noninterest income to average assets | 0.4927% | 3,420 |
| Noninterest expense to average assets | 3.5830% | 1,150 |
| Loan and lease loss provision to assets | 0.2316% | 786 |
| Net operating income to assets | 1.8467% | 467 |
| Return on assets (ROA) | 1.8457% | 492 |
| Pretax return on assets | 1.8457% | 813 |
| Return on Equity (ROE) | 15.5982% | 650 |
| Retained earnings to average equity (ytd only) | 9.7686% | 678 |
| Net charge-offs to loans | 0.0067% | 3,937 |
| Credit loss provision to net charge-offs | 4,700.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 421.5787% | 175 |
| Efficiency ratio | 63.2898% | 4,362 |
| Assets per employee ($millions) | 2.8330% | 5,722 |
| Cash dividends to net income (ytd only)* | 37.3732% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0549% | 841 |
| Loan loss allowance to noncurrent loans | 86.2777% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.9998% | 1,026 |
| Noncurrent loans to loans | 2.3817% | 871 |
| Net loans and leases to total assets | 73.6169% | 1,802 |
| Net loans and leases to deposits | 87.8029% | 1,929 |
| Net loans and leases to core deposits | 95.5164% | 1,932 |
| Total domestic deposits to total assets | 83.8434% | 3,491 |
| Equity capital to assets | 11.9684% | 2,132 |
| Core capital (leverage) ratio | 11.8876% | 1,751 |
| Tier 1 risk-based capital ratio | 17.1397% | 2,321 |
| Total risk-based capital ratio | 18.4013% | 2,264 |
| Memoranda: | ||
| Average total assets | $135,304,000 | 3,838 |
| Average earning assets | $129,467,500 | 3,746 |
| Average equity | $16,010,000 | 3,710 |
| Average total loans | $99,998,750 | 3,424 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9075% | 146 |
| Cost of funding earning assets | 0.5462% | 1,853 |
| Net interest margin | 5.3612% | 153 |
| Noninterest income to average assets | 0.4906% | 3,446 |
| Noninterest expense to average assets | 3.4965% | 1,299 |
| Loan and lease loss provision to assets | 0.2535% | 680 |
| Net operating income to assets | 1.8772% | 445 |
| Return on assets (ROA) | 1.8757% | 465 |
| Pretax return on assets | 1.8757% | 773 |
| Return on Equity (ROE) | 15.9153% | 615 |
| Retained earnings to average equity (ytd only) | 10.2222% | 627 |
| Net charge-offs to loans | 0.0183% | 3,331 |
| Credit loss provision to net charge-offs | 1,888.8889% | 203 |
| Earnings coverage of net charge-offs (x) | 158.7778% | 415 |
| Efficiency ratio | 62.1357% | 4,658 |
| Assets per employee ($millions) | 2.7801% | 5,830 |
| Cash dividends to net income (ytd only)* | 35.7711% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0454% | 918 |
| Loan loss allowance to noncurrent loans | 80.3641% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.2756% | 896 |
| Noncurrent loans to loans | 2.5452% | 869 |
| Net loans and leases to total assets | 72.9464% | 1,832 |
| Net loans and leases to deposits | 86.2709% | 2,025 |
| Net loans and leases to core deposits | 92.1989% | 2,138 |
| Total domestic deposits to total assets | 84.5551% | 3,317 |
| Equity capital to assets | 11.7944% | 2,166 |
| Core capital (leverage) ratio | 11.8334% | 1,757 |
| Tier 1 risk-based capital ratio | 17.1818% | 2,338 |
| Total risk-based capital ratio | 18.4431% | 2,278 |
| Memoranda: | ||
| Average total assets | $134,133,330 | 3,891 |
| Average earning assets | $128,515,000 | 3,786 |
| Average equity | $15,808,670 | 3,754 |
| Average total loans | $98,553,000 | 3,466 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8574% | 157 |
| Cost of funding earning assets | 0.5493% | 1,851 |
| Net interest margin | 5.3081% | 154 |
| Noninterest income to average assets | 0.4959% | 3,311 |
| Noninterest expense to average assets | 3.3692% | 1,554 |
| Loan and lease loss provision to assets | 0.2705% | 576 |
| Net operating income to assets | 1.9386% | 383 |
| Return on assets (ROA) | 1.9115% | 424 |
| Pretax return on assets | 1.9115% | 702 |
| Return on Equity (ROE) | 16.2250% | 541 |
| Retained earnings to average equity (ytd only) | 11.1228% | 700 |
| Net charge-offs to loans | 0.0165% | 2,839 |
| Credit loss provision to net charge-offs | 2,250.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 183.7500% | 305 |
| Efficiency ratio | 60.3987% | 5,039 |
| Assets per employee ($millions) | 2.7579% | 5,928 |
| Cash dividends to net income (ytd only)* | 31.4465% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 1,031 |
| Loan loss allowance to noncurrent loans | 73.1529% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 2.4064% | 908 |
| Noncurrent loans to loans | 2.7704% | 834 |
| Net loans and leases to total assets | 71.5463% | 1,888 |
| Net loans and leases to deposits | 82.4159% | 2,288 |
| Net loans and leases to core deposits | 87.7704% | 2,353 |
| Total domestic deposits to total assets | 86.8114% | 2,480 |
| Equity capital to assets | 11.8212% | 2,173 |
| Core capital (leverage) ratio | 11.6885% | 1,860 |
| Tier 1 risk-based capital ratio | 16.5879% | 2,647 |
| Total risk-based capital ratio | 17.8484% | 2,588 |
| Memoranda: | ||
| Average total assets | $133,087,000 | 3,935 |
| Average earning assets | $127,427,500 | 3,839 |
| Average equity | $15,679,500 | 3,802 |
| Average total loans | $97,106,000 | 3,501 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0126% | 150 |
| Cost of funding earning assets | 0.5635% | 2,112 |
| Net interest margin | 5.4492% | 145 |
| Noninterest income to average assets | 0.7037% | 2,287 |
| Noninterest expense to average assets | 3.9462% | 811 |
| Loan and lease loss provision to assets | 0.4018% | 439 |
| Net operating income to assets | 1.5619% | 775 |
| Return on assets (ROA) | 1.5619% | 804 |
| Pretax return on assets | 1.5619% | 1,348 |
| Return on Equity (ROE) | 13.6354% | 1,009 |
| Retained earnings to average equity (ytd only) | 7.5056% | 1,189 |
| Net charge-offs to loans | 0.4877% | 850 |
| Credit loss provision to net charge-offs | 115.2125% | 2,074 |
| Earnings coverage of net charge-offs (x) | 5.6309% | 3,385 |
| Efficiency ratio | 66.7723% | 4,096 |
| Assets per employee ($millions) | 2.6742% | 6,043 |
| Cash dividends to net income (ytd only)* | 44.9550% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0037% | 1,108 |
| Loan loss allowance to noncurrent loans | 75.1472% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 2.3826% | 984 |
| Noncurrent loans to loans | 2.6663% | 917 |
| Net loans and leases to total assets | 71.4397% | 2,011 |
| Net loans and leases to deposits | 82.6748% | 2,388 |
| Net loans and leases to core deposits | 88.0854% | 2,491 |
| Total domestic deposits to total assets | 86.4105% | 2,615 |
| Equity capital to assets | 11.7404% | 2,215 |
| Core capital (leverage) ratio | 11.6887% | 1,836 |
| Tier 1 risk-based capital ratio | 17.2567% | 2,396 |
| Total risk-based capital ratio | 18.5183% | 2,354 |
| Memoranda: | ||
| Average total assets | $128,174,200 | 4,011 |
| Average earning assets | $122,458,800 | 3,909 |
| Average equity | $14,682,400 | 3,900 |
| Average total loans | $91,646,800 | 3,597 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0100% | 153 |
| Cost of funding earning assets | 0.5654% | 2,143 |
| Net interest margin | 5.4446% | 151 |
| Noninterest income to average assets | 0.7950% | 1,916 |
| Noninterest expense to average assets | 3.8317% | 927 |
| Loan and lease loss provision to assets | 0.4132% | 403 |
| Net operating income to assets | 1.7480% | 565 |
| Return on assets (ROA) | 1.7480% | 581 |
| Pretax return on assets | 1.7480% | 984 |
| Return on Equity (ROE) | 15.3577% | 762 |
| Retained earnings to average equity (ytd only) | 10.7623% | 552 |
| Net charge-offs to loans | 0.4690% | 840 |
| Credit loss provision to net charge-offs | 123.8245% | 1,861 |
| Earnings coverage of net charge-offs (x) | 6.4765% | 3,080 |
| Efficiency ratio | 63.9379% | 4,552 |
| Assets per employee ($millions) | 2.6582% | 6,113 |
| Cash dividends to net income (ytd only)* | 29.9223% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0417% | 1,181 |
| Loan loss allowance to noncurrent loans | 60.5545% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 2.9090% | 828 |
| Noncurrent loans to loans | 3.3716% | 727 |
| Net loans and leases to total assets | 70.7987% | 2,059 |
| Net loans and leases to deposits | 81.7532% | 2,460 |
| Net loans and leases to core deposits | 86.2251% | 2,642 |
| Total domestic deposits to total assets | 86.6005% | 2,531 |
| Equity capital to assets | 11.7074% | 2,300 |
| Core capital (leverage) ratio | 11.8628% | 1,779 |
| Tier 1 risk-based capital ratio | 17.7201% | 2,308 |
| Total risk-based capital ratio | 18.9818% | 2,264 |
| Memoranda: | ||
| Average total assets | $127,459,000 | 4,057 |
| Average earning assets | $121,683,750 | 3,952 |
| Average equity | $14,507,000 | 3,954 |
| Average total loans | $90,677,250 | 3,645 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0029% | 147 |
| Cost of funding earning assets | 0.5679% | 2,182 |
| Net interest margin | 5.4350% | 145 |
| Noninterest income to average assets | 0.9452% | 1,343 |
| Noninterest expense to average assets | 3.8094% | 965 |
| Loan and lease loss provision to assets | 0.4268% | 388 |
| Net operating income to assets | 1.8826% | 424 |
| Return on assets (ROA) | 1.8826% | 437 |
| Pretax return on assets | 1.8826% | 715 |
| Return on Equity (ROE) | 16.7045% | 585 |
| Retained earnings to average equity (ytd only) | 12.4968% | 375 |
| Net charge-offs to loans | 0.6054% | 664 |
| Credit loss provision to net charge-offs | 99.6310% | 2,029 |
| Earnings coverage of net charge-offs (x) | 5.3911% | 2,935 |
| Efficiency ratio | 62.2578% | 4,972 |
| Assets per employee ($millions) | 2.6084% | 6,198 |
| Cash dividends to net income (ytd only)* | 25.1889% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0170% | 1,330 |
| Loan loss allowance to noncurrent loans | 57.5843% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 3.1749% | 785 |
| Noncurrent loans to loans | 3.5026% | 757 |
| Net loans and leases to total assets | 70.1246% | 2,063 |
| Net loans and leases to deposits | 79.6723% | 2,562 |
| Net loans and leases to core deposits | 84.0293% | 2,733 |
| Total domestic deposits to total assets | 88.0162% | 1,890 |
| Equity capital to assets | 11.6724% | 2,260 |
| Core capital (leverage) ratio | 11.7517% | 1,822 |
| Tier 1 risk-based capital ratio | 17.8347% | 2,296 |
| Total risk-based capital ratio | 19.1022% | 2,262 |
| Memoranda: | ||
| Average total assets | $126,528,330 | 4,102 |
| Average earning assets | $120,441,670 | 3,998 |
| Average equity | $14,259,670 | 3,992 |
| Average total loans | $89,523,670 | 3,688 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0495% | 134 |
| Cost of funding earning assets | 0.5715% | 2,230 |
| Net interest margin | 5.4780% | 133 |
| Noninterest income to average assets | 0.6736% | 2,331 |
| Noninterest expense to average assets | 3.5048% | 1,477 |
| Loan and lease loss provision to assets | 0.4290% | 385 |
| Net operating income to assets | 1.9478% | 371 |
| Return on assets (ROA) | 1.9478% | 388 |
| Pretax return on assets | 1.9478% | 594 |
| Return on Equity (ROE) | 17.6023% | 471 |
| Retained earnings to average equity (ytd only) | 14.7308% | 341 |
| Net charge-offs to loans | 0.3298% | 1,082 |
| Credit loss provision to net charge-offs | 184.9315% | 1,106 |
| Earnings coverage of net charge-offs (x) | 10.2466% | 1,874 |
| Efficiency ratio | 59.5894% | 5,455 |
| Assets per employee ($millions) | 2.6003% | 6,290 |
| Cash dividends to net income (ytd only)* | 16.3132% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1415% | 1,247 |
| Loan loss allowance to noncurrent loans | 51.4980% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 3.5749% | 726 |
| Noncurrent loans to loans | 4.1584% | 627 |
| Net loans and leases to total assets | 68.4286% | 2,157 |
| Net loans and leases to deposits | 77.2849% | 2,653 |
| Net loans and leases to core deposits | 81.5003% | 2,791 |
| Total domestic deposits to total assets | 88.5407% | 1,917 |
| Equity capital to assets | 11.2231% | 2,504 |
| Core capital (leverage) ratio | 11.6134% | 1,891 |
| Tier 1 risk-based capital ratio | 17.7292% | 2,399 |
| Total risk-based capital ratio | 18.9926% | 2,364 |
| Memoranda: | ||
| Average total assets | $125,885,500 | 4,145 |
| Average earning assets | $119,679,000 | 4,048 |
| Average equity | $13,930,000 | 4,055 |
| Average total loans | $88,548,500 | 3,738 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1238% | 143 |
| Cost of funding earning assets | 0.6328% | 2,355 |
| Net interest margin | 5.4909% | 141 |
| Noninterest income to average assets | 0.4725% | 3,940 |
| Noninterest expense to average assets | 4.1408% | 742 |
| Loan and lease loss provision to assets | 0.4384% | 669 |
| Net operating income to assets | 1.0856% | 1,980 |
| Return on assets (ROA) | 1.0977% | 2,010 |
| Pretax return on assets | 1.0977% | 2,957 |
| Return on Equity (ROE) | 9.8199% | 2,184 |
| Retained earnings to average equity (ytd only) | 6.1883% | 1,859 |
| Net charge-offs to loans | 0.5012% | 1,323 |
| Credit loss provision to net charge-offs | 127.0588% | 1,856 |
| Earnings coverage of net charge-offs (x) | 4.4165% | 3,571 |
| Efficiency ratio | 73.0973% | 3,276 |
| Assets per employee ($millions) | 2.5907% | 6,325 |
| Cash dividends to net income (ytd only)* | 36.9822% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0977% | 1,336 |
| Loan loss allowance to noncurrent loans | 47.3455% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 3.9693% | 674 |
| Noncurrent loans to loans | 4.4307% | 608 |
| Net loans and leases to total assets | 69.2807% | 2,129 |
| Net loans and leases to deposits | 77.9519% | 2,727 |
| Net loans and leases to core deposits | 82.0585% | 2,891 |
| Total domestic deposits to total assets | 88.8762% | 1,711 |
| Equity capital to assets | 10.9043% | 2,700 |
| Core capital (leverage) ratio | 11.3467% | 2,076 |
| Tier 1 risk-based capital ratio | 17.2364% | 2,514 |
| Total risk-based capital ratio | 18.4984% | 2,482 |
| Memoranda: | ||
| Average total assets | $123,163,200 | 4,211 |
| Average earning assets | $116,464,400 | 4,122 |
| Average equity | $13,768,000 | 4,109 |
| Average total loans | $84,791,000 | 3,802 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1314% | 141 |
| Cost of funding earning assets | 0.6427% | 2,428 |
| Net interest margin | 5.4887% | 136 |
| Noninterest income to average assets | 0.4514% | 4,144 |
| Noninterest expense to average assets | 3.8122% | 1,068 |
| Loan and lease loss provision to assets | 0.4395% | 659 |
| Net operating income to assets | 1.3803% | 1,148 |
| Return on assets (ROA) | 1.3966% | 1,156 |
| Pretax return on assets | 1.3966% | 1,937 |
| Return on Equity (ROE) | 12.4165% | 1,369 |
| Retained earnings to average equity (ytd only) | 10.4870% | 690 |
| Net charge-offs to loans | 0.4016% | 1,594 |
| Credit loss provision to net charge-offs | 160.0791% | 1,475 |
| Earnings coverage of net charge-offs (x) | 6.6285% | 2,934 |
| Efficiency ratio | 67.6879% | 4,150 |
| Assets per employee ($millions) | 2.5904% | 6,392 |
| Cash dividends to net income (ytd only)* | 15.5400% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1995% | 1,326 |
| Loan loss allowance to noncurrent loans | 51.8019% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 3.8515% | 835 |
| Noncurrent loans to loans | 4.2459% | 807 |
| Net loans and leases to total assets | 67.3387% | 2,407 |
| Net loans and leases to deposits | 76.1055% | 2,951 |
| Net loans and leases to core deposits | 80.1058% | 3,122 |
| Total domestic deposits to total assets | 88.4808% | 1,847 |
| Equity capital to assets | 11.1686% | 2,597 |
| Core capital (leverage) ratio | 11.7086% | 1,885 |
| Tier 1 risk-based capital ratio | 17.9558% | 2,343 |
| Total risk-based capital ratio | 19.2189% | 2,302 |
| Memoranda: | ||
| Average total assets | $122,865,250 | 4,255 |
| Average earning assets | $115,968,500 | 4,179 |
| Average equity | $13,820,000 | 4,150 |
| Average total loans | $83,988,750 | 3,860 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1052% | 151 |
| Cost of funding earning assets | 0.6476% | 2,518 |
| Net interest margin | 5.4577% | 142 |
| Noninterest income to average assets | 0.3955% | 4,560 |
| Noninterest expense to average assets | 4.0188% | 841 |
| Loan and lease loss provision to assets | 0.4413% | 663 |
| Net operating income to assets | 1.0868% | 1,967 |
| Return on assets (ROA) | 1.1114% | 2,007 |
| Pretax return on assets | 1.1114% | 3,051 |
| Return on Equity (ROE) | 9.8567% | 2,255 |
| Retained earnings to average equity (ytd only) | 8.4072% | 1,330 |
| Net charge-offs to loans | 0.4242% | 1,520 |
| Credit loss provision to net charge-offs | 152.5424% | 1,514 |
| Earnings coverage of net charge-offs (x) | 5.2825% | 2,923 |
| Efficiency ratio | 72.4514% | 3,395 |
| Assets per employee ($millions) | 2.6550% | 6,343 |
| Cash dividends to net income (ytd only)* | 14.7059% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1504% | 1,528 |
| Loan loss allowance to noncurrent loans | 70.0461% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 3.2073% | 1,237 |
| Noncurrent loans to loans | 3.0700% | 1,448 |
| Net loans and leases to total assets | 67.9590% | 2,241 |
| Net loans and leases to deposits | 77.0102% | 2,723 |
| Net loans and leases to core deposits | 78.5332% | 3,225 |
| Total domestic deposits to total assets | 88.2468% | 2,079 |
| Equity capital to assets | 11.1097% | 2,649 |
| Core capital (leverage) ratio | 11.3758% | 2,038 |
| Tier 1 risk-based capital ratio | 17.2680% | 2,604 |
| Total risk-based capital ratio | 18.5309% | 2,569 |
| Memoranda: | ||
| Average total assets | $122,373,670 | 4,292 |
| Average earning assets | $115,507,330 | 4,218 |
| Average equity | $13,797,670 | 4,191 |
| Average total loans | $83,447,670 | 3,884 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0548% | 153 |
| Cost of funding earning assets | 0.6562% | 2,601 |
| Net interest margin | 5.3986% | 147 |
| Noninterest income to average assets | 0.4278% | 4,264 |
| Noninterest expense to average assets | 3.8630% | 1,043 |
| Loan and lease loss provision to assets | 0.4408% | 653 |
| Net operating income to assets | 1.2017% | 1,520 |
| Return on assets (ROA) | 1.2017% | 1,629 |
| Pretax return on assets | 1.2017% | 2,566 |
| Return on Equity (ROE) | 10.5804% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.5804% | 967 |
| Net charge-offs to loans | 0.1788% | 2,319 |
| Credit loss provision to net charge-offs | 364.8649% | 687 |
| Earnings coverage of net charge-offs (x) | 13.5946% | 1,522 |
| Efficiency ratio | 70.1661% | 3,940 |
| Assets per employee ($millions) | 2.6113% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2121% | 1,559 |
| Loan loss allowance to noncurrent loans | 72.2925% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 3.2526% | 1,339 |
| Noncurrent loans to loans | 3.0599% | 1,632 |
| Net loans and leases to total assets | 65.8771% | 2,386 |
| Net loans and leases to deposits | 74.5189% | 2,850 |
| Net loans and leases to core deposits | 76.1636% | 3,300 |
| Total domestic deposits to total assets | 88.4033% | 2,064 |
| Equity capital to assets | 11.4281% | 2,483 |
| Core capital (leverage) ratio | 11.1602% | 2,127 |
| Tier 1 risk-based capital ratio | 17.2349% | 2,665 |
| Total risk-based capital ratio | 18.4985% | 2,629 |
| Memoranda: | ||
| Average total assets | $122,496,500 | 4,336 |
| Average earning assets | $115,214,000 | 4,263 |
| Average equity | $13,912,500 | 4,216 |
| Average total loans | $82,761,000 | 3,928 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4553% | 137 |
| Cost of funding earning assets | 0.7741% | 2,877 |
| Net interest margin | 5.6812% | 135 |
| Noninterest income to average assets | 0.1836% | 6,087 |
| Noninterest expense to average assets | 4.0472% | 924 |
| Loan and lease loss provision to assets | 0.5050% | 1,170 |
| Net operating income to assets | 0.9499% | 2,548 |
| Return on assets (ROA) | 0.9499% | 2,801 |
| Pretax return on assets | 0.9499% | 3,746 |
| Return on Equity (ROE) | 8.7564% | 2,762 |
| Retained earnings to average equity (ytd only) | 5.8006% | 2,197 |
| Net charge-offs to loans | 0.7516% | 1,557 |
| Credit loss provision to net charge-offs | 100.1590% | 3,023 |
| Earnings coverage of net charge-offs (x) | 2.8855% | 3,988 |
| Efficiency ratio | 73.5577% | 3,141 |
| Assets per employee ($millions) | 2.6013% | 6,542 |
| Cash dividends to net income (ytd only)* | 33.7553% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 1,796 |
| Loan loss allowance to noncurrent loans | 72.0649% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 3.3347% | 1,377 |
| Noncurrent loans to loans | 2.8996% | 1,805 |
| Net loans and leases to total assets | 66.3414% | 2,476 |
| Net loans and leases to deposits | 74.9033% | 2,978 |
| Net loans and leases to core deposits | 76.7961% | 3,430 |
| Total domestic deposits to total assets | 88.5694% | 1,858 |
| Equity capital to assets | 11.2866% | 2,641 |
| Core capital (leverage) ratio | 10.8702% | 2,370 |
| Tier 1 risk-based capital ratio | 16.8497% | 2,725 |
| Total risk-based capital ratio | 18.1118% | 2,684 |
| Memoranda: | ||
| Average total assets | $124,751,800 | 4,256 |
| Average earning assets | $116,788,000 | 4,189 |
| Average equity | $13,533,000 | 4,251 |
| Average total loans | $83,687,000 | 3,920 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4872% | 142 |
| Cost of funding earning assets | 0.8011% | 2,927 |
| Net interest margin | 5.6861% | 141 |
| Noninterest income to average assets | 0.1659% | 6,312 |
| Noninterest expense to average assets | 3.6870% | 1,384 |
| Loan and lease loss provision to assets | 0.5264% | 1,134 |
| Net operating income to assets | 1.2666% | 1,522 |
| Return on assets (ROA) | 1.2666% | 1,684 |
| Pretax return on assets | 1.2666% | 2,724 |
| Return on Equity (ROE) | 11.7919% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.8118% | 963 |
| Net charge-offs to loans | 0.5816% | 1,883 |
| Credit loss provision to net charge-offs | 135.2459% | 2,131 |
| Earnings coverage of net charge-offs (x) | 4.6065% | 3,254 |
| Efficiency ratio | 67.2812% | 4,214 |
| Assets per employee ($millions) | 2.4762% | 6,716 |
| Cash dividends to net income (ytd only)* | 16.7926% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2382% | 1,632 |
| Loan loss allowance to noncurrent loans | 59.3172% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 4.0474% | 1,188 |
| Noncurrent loans to loans | 3.7733% | 1,408 |
| Net loans and leases to total assets | 66.9200% | 2,480 |
| Net loans and leases to deposits | 75.9186% | 2,991 |
| Net loans and leases to core deposits | 78.2006% | 3,424 |
| Total domestic deposits to total assets | 88.1470% | 1,957 |
| Equity capital to assets | 11.5291% | 2,717 |
| Core capital (leverage) ratio | 10.9777% | 2,409 |
| Tier 1 risk-based capital ratio | 17.2384% | 2,633 |
| Total risk-based capital ratio | 18.5022% | 2,583 |
| Memoranda: | ||
| Average total assets | $125,374,750 | 4,285 |
| Average earning assets | $117,172,250 | 4,217 |
| Average equity | $13,466,500 | 4,303 |
| Average total loans | $83,898,750 | 3,955 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4855% | 148 |
| Cost of funding earning assets | 0.8323% | 2,930 |
| Net interest margin | 5.6532% | 144 |
| Noninterest income to average assets | 0.2651% | 5,681 |
| Noninterest expense to average assets | 3.7468% | 1,298 |
| Loan and lease loss provision to assets | 0.5050% | 1,250 |
| Net operating income to assets | 1.2879% | 1,471 |
| Return on assets (ROA) | 1.2879% | 1,627 |
| Pretax return on assets | 1.2879% | 2,603 |
| Return on Equity (ROE) | 12.2778% | 1,583 |
| Retained earnings to average equity (ytd only) | 12.2778% | 539 |
| Net charge-offs to loans | 0.7175% | 1,543 |
| Credit loss provision to net charge-offs | 105.9603% | 2,568 |
| Earnings coverage of net charge-offs (x) | 3.7616% | 3,278 |
| Efficiency ratio | 67.6353% | 4,201 |
| Assets per employee ($millions) | 2.4963% | 6,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 2,039 |
| Loan loss allowance to noncurrent loans | 73.2914% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 4.1317% | 1,214 |
| Noncurrent loans to loans | 2.8354% | 2,112 |
| Net loans and leases to total assets | 65.9918% | 2,671 |
| Net loans and leases to deposits | 74.3774% | 3,231 |
| Net loans and leases to core deposits | 76.9447% | 3,664 |
| Total domestic deposits to total assets | 88.7256% | 1,688 |
| Equity capital to assets | 11.0260% | 3,085 |
| Core capital (leverage) ratio | 10.5994% | 2,711 |
| Tier 1 risk-based capital ratio | 16.5043% | 2,914 |
| Total risk-based capital ratio | 17.7662% | 2,869 |
| Memoranda: | ||
| Average total assets | $126,721,000 | 4,273 |
| Average earning assets | $118,233,000 | 4,213 |
| Average equity | $13,292,330 | 4,339 |
| Average total loans | $84,179,330 | 3,967 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3952% | 183 |
| Cost of funding earning assets | 0.8828% | 2,814 |
| Net interest margin | 5.5124% | 180 |
| Noninterest income to average assets | 0.3415% | 5,120 |
| Noninterest expense to average assets | 3.5872% | 1,582 |
| Loan and lease loss provision to assets | 0.4230% | 1,482 |
| Net operating income to assets | 1.4568% | 1,110 |
| Return on assets (ROA) | 1.4568% | 1,237 |
| Pretax return on assets | 1.4568% | 2,002 |
| Return on Equity (ROE) | 14.2447% | 1,137 |
| Retained earnings to average equity (ytd only) | 14.2447% | 540 |
| Net charge-offs to loans | 0.7885% | 1,304 |
| Credit loss provision to net charge-offs | 81.3253% | 2,701 |
| Earnings coverage of net charge-offs (x) | 3.6145% | 2,792 |
| Efficiency ratio | 65.6160% | 4,630 |
| Assets per employee ($millions) | 2.5328% | 6,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0400% | 2,238 |
| Loan loss allowance to noncurrent loans | 69.7455% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 5.1223% | 1,001 |
| Noncurrent loans to loans | 2.9249% | 2,215 |
| Net loans and leases to total assets | 64.4225% | 2,782 |
| Net loans and leases to deposits | 72.1068% | 3,421 |
| Net loans and leases to core deposits | 74.5193% | 3,834 |
| Total domestic deposits to total assets | 89.3432% | 1,458 |
| Equity capital to assets | 10.4547% | 3,548 |
| Core capital (leverage) ratio | 10.1305% | 3,202 |
| Tier 1 risk-based capital ratio | 15.9402% | 3,205 |
| Total risk-based capital ratio | 17.2007% | 3,167 |
| Memoranda: | ||
| Average total assets | $127,674,500 | 4,288 |
| Average earning assets | $118,714,500 | 4,230 |
| Average equity | $13,057,500 | 4,398 |
| Average total loans | $84,211,500 | 4,000 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8266% | 119 |
| Cost of funding earning assets | 1.4811% | 768 |
| Net interest margin | 5.3455% | 223 |
| Noninterest income to average assets | 0.0421% | 6,865 |
| Noninterest expense to average assets | 3.9949% | 1,046 |
| Loan and lease loss provision to assets | 0.4514% | 2,340 |
| Net operating income to assets | 0.5142% | 4,361 |
| Return on assets (ROA) | 0.5211% | 4,547 |
| Pretax return on assets | 0.5211% | 4,929 |
| Return on Equity (ROE) | 5.3341% | 4,234 |
| Retained earnings to average equity (ytd only) | 1.8094% | 4,923 |
| Net charge-offs to loans | 0.6754% | 2,467 |
| Credit loss provision to net charge-offs | 97.6821% | 3,681 |
| Earnings coverage of net charge-offs (x) | 2.0894% | 4,209 |
| Efficiency ratio | 80.5337% | 2,235 |
| Assets per employee ($millions) | 2.5237% | 6,809 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0320% | 2,176 |
| Loan loss allowance to noncurrent loans | 68.4335% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 5.2406% | 998 |
| Noncurrent loans to loans | 2.9693% | 2,185 |
| Net loans and leases to total assets | 64.8046% | 3,024 |
| Net loans and leases to deposits | 72.1154% | 3,774 |
| Net loans and leases to core deposits | 75.2814% | 4,069 |
| Total domestic deposits to total assets | 89.8622% | 1,067 |
| Equity capital to assets | 10.0033% | 4,166 |
| Core capital (leverage) ratio | 9.5359% | 3,967 |
| Tier 1 risk-based capital ratio | 14.8380% | 3,734 |
| Total risk-based capital ratio | 16.0976% | 3,703 |
| Memoranda: | ||
| Average total assets | $130,690,000 | 4,154 |
| Average earning assets | $120,251,000 | 4,127 |
| Average equity | $12,767,000 | 4,379 |
| Average total loans | $89,427,400 | 3,871 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8774% | 119 |
| Cost of funding earning assets | 1.5671% | 670 |
| Net interest margin | 5.3103% | 245 |
| Noninterest income to average assets | 0.4197% | 4,517 |
| Noninterest expense to average assets | 4.1447% | 845 |
| Loan and lease loss provision to assets | 0.4269% | 2,337 |
| Net operating income to assets | 0.7216% | 3,499 |
| Return on assets (ROA) | 0.7308% | 3,643 |
| Pretax return on assets | 0.7308% | 4,374 |
| Return on Equity (ROE) | 7.5246% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.5246% | 1,701 |
| Net charge-offs to loans | 0.4567% | 2,907 |
| Credit loss provision to net charge-offs | 135.4839% | 2,356 |
| Earnings coverage of net charge-offs (x) | 3.6452% | 3,354 |
| Efficiency ratio | 78.3026% | 2,508 |
| Assets per employee ($millions) | 2.5897% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0829% | 2,106 |
| Loan loss allowance to noncurrent loans | 59.8258% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 5.3113% | 1,071 |
| Noncurrent loans to loans | 3.4816% | 1,975 |
| Net loans and leases to total assets | 65.9895% | 2,904 |
| Net loans and leases to deposits | 73.9672% | 3,661 |
| Net loans and leases to core deposits | 77.2217% | 4,014 |
| Total domestic deposits to total assets | 89.2146% | 1,298 |
| Equity capital to assets | 10.1782% | 4,120 |
| Core capital (leverage) ratio | 9.8295% | 3,672 |
| Tier 1 risk-based capital ratio | 14.8637% | 3,748 |
| Total risk-based capital ratio | 16.1250% | 3,710 |
| Memoranda: | ||
| Average total assets | $131,185,750 | 4,176 |
| Average earning assets | $120,391,500 | 4,143 |
| Average equity | $12,740,000 | 4,398 |
| Average total loans | $90,499,750 | 3,881 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9270% | 116 |
| Cost of funding earning assets | 1.6216% | 643 |
| Net interest margin | 5.3054% | 242 |
| Noninterest income to average assets | 0.4829% | 3,997 |
| Noninterest expense to average assets | 4.5168% | 584 |
| Loan and lease loss provision to assets | 0.4584% | 2,133 |
| Net operating income to assets | 0.3469% | 5,183 |
| Return on assets (ROA) | 0.3469% | 5,319 |
| Pretax return on assets | 0.3469% | 5,558 |
| Return on Equity (ROE) | 3.6304% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.6304% | 3,920 |
| Net charge-offs to loans | 0.4572% | 2,752 |
| Credit loss provision to net charge-offs | 144.2308% | 2,121 |
| Earnings coverage of net charge-offs (x) | 2.5337% | 3,562 |
| Efficiency ratio | 84.8694% | 1,717 |
| Assets per employee ($millions) | 2.5769% | 6,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0314% | 2,279 |
| Loan loss allowance to noncurrent loans | 60.0785% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 5.5821% | 1,052 |
| Noncurrent loans to loans | 3.3813% | 2,103 |
| Net loans and leases to total assets | 67.3736% | 2,746 |
| Net loans and leases to deposits | 75.1549% | 3,625 |
| Net loans and leases to core deposits | 78.2611% | 4,025 |
| Total domestic deposits to total assets | 89.6463% | 1,161 |
| Equity capital to assets | 9.7564% | 4,452 |
| Core capital (leverage) ratio | 9.4076% | 4,097 |
| Tier 1 risk-based capital ratio | 14.0841% | 4,107 |
| Total risk-based capital ratio | 15.3447% | 4,072 |
| Memoranda: | ||
| Average total assets | $130,888,670 | 4,210 |
| Average earning assets | $119,388,330 | 4,198 |
| Average equity | $12,505,670 | 4,433 |
| Average total loans | $90,996,000 | 3,923 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9321% | 121 |
| Cost of funding earning assets | 1.7144% | 521 |
| Net interest margin | 5.2177% | 250 |
| Noninterest income to average assets | 0.4930% | 3,944 |
| Noninterest expense to average assets | 4.2535% | 766 |
| Loan and lease loss provision to assets | 0.6737% | 1,265 |
| Net operating income to assets | 0.2909% | 5,452 |
| Return on assets (ROA) | 0.2909% | 5,528 |
| Pretax return on assets | 0.2909% | 5,682 |
| Return on Equity (ROE) | 3.0775% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.0775% | 4,320 |
| Net charge-offs to loans | 0.2760% | 2,965 |
| Credit loss provision to net charge-offs | 349.2063% | 937 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,351 |
| Efficiency ratio | 81.5141% | 2,299 |
| Assets per employee ($millions) | 2.6022% | 6,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1022% | 2,183 |
| Loan loss allowance to noncurrent loans | 59.2396% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 5.9474% | 980 |
| Noncurrent loans to loans | 3.5487% | 2,098 |
| Net loans and leases to total assets | 66.7051% | 2,832 |
| Net loans and leases to deposits | 73.9599% | 3,762 |
| Net loans and leases to core deposits | 77.1249% | 4,141 |
| Total domestic deposits to total assets | 90.1909% | 1,030 |
| Equity capital to assets | 9.4172% | 4,543 |
| Core capital (leverage) ratio | 9.3196% | 4,099 |
| Tier 1 risk-based capital ratio | 13.9952% | 4,072 |
| Total risk-based capital ratio | 15.2624% | 4,044 |
| Memoranda: | ||
| Average total assets | $130,622,500 | 4,243 |
| Average earning assets | $118,289,500 | 4,251 |
| Average equity | $12,347,500 | 4,475 |
| Average total loans | $91,304,500 | 3,946 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0926% | 130 |
| Cost of funding earning assets | 2.0289% | 544 |
| Net interest margin | 5.0637% | 379 |
| Noninterest income to average assets | 0.5324% | 3,936 |
| Noninterest expense to average assets | 4.5172% | 637 |
| Loan and lease loss provision to assets | 1.4452% | 1,029 |
| Net operating income to assets | -0.8351% | 6,596 |
| Return on assets (ROA) | -0.8351% | 6,623 |
| Pretax return on assets | -0.8351% | 6,535 |
| Return on Equity (ROE) | -8.0091% | 6,624 |
| Retained earnings to average equity (ytd only) | -12.1029% | 6,766 |
| Net charge-offs to loans | 0.9554% | 2,269 |
| Credit loss provision to net charge-offs | 212.3147% | 1,439 |
| Earnings coverage of net charge-offs (x) | 0.8962% | 5,218 |
| Efficiency ratio | 88.1017% | 1,476 |
| Assets per employee ($millions) | 2.5202% | 6,979 |
| Cash dividends to net income (ytd only)* | -51.1152% | 7,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 2,587 |
| Loan loss allowance to noncurrent loans | 29.5193% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 7.4994% | 694 |
| Noncurrent loans to loans | 6.4091% | 947 |
| Net loans and leases to total assets | 70.3620% | 2,446 |
| Net loans and leases to deposits | 78.1016% | 3,496 |
| Net loans and leases to core deposits | 81.4469% | 3,984 |
| Total domestic deposits to total assets | 90.0903% | 1,038 |
| Equity capital to assets | 9.4895% | 4,416 |
| Core capital (leverage) ratio | 9.3336% | 3,957 |
| Tier 1 risk-based capital ratio | 13.6171% | 4,120 |
| Total risk-based capital ratio | 14.8754% | 4,085 |
| Memoranda: | ||
| Average total assets | $128,841,400 | 4,298 |
| Average earning assets | $116,910,600 | 4,291 |
| Average equity | $13,434,800 | 4,275 |
| Average total loans | $91,798,800 | 4,011 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1148% | 127 |
| Cost of funding earning assets | 2.0817% | 572 |
| Net interest margin | 5.0331% | 402 |
| Noninterest income to average assets | 0.5440% | 3,837 |
| Noninterest expense to average assets | 3.8545% | 1,272 |
| Loan and lease loss provision to assets | 0.7033% | 2,177 |
| Net operating income to assets | 0.5471% | 4,105 |
| Return on assets (ROA) | 0.5471% | 4,271 |
| Pretax return on assets | 0.5471% | 4,771 |
| Return on Equity (ROE) | 5.1317% | 4,229 |
| Retained earnings to average equity (ytd only) | -0.2037% | 5,828 |
| Net charge-offs to loans | 0.6673% | 2,760 |
| Credit loss provision to net charge-offs | 148.1481% | 2,644 |
| Earnings coverage of net charge-offs (x) | 2.6340% | 3,837 |
| Efficiency ratio | 75.5065% | 3,040 |
| Assets per employee ($millions) | 2.5232% | 7,061 |
| Cash dividends to net income (ytd only)* | 103.9698% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 5,351 |
| Loan loss allowance to noncurrent loans | 17.6870% | 6,986 |
| Noncurrent assets plus other real estate owned to assets | 7.8572% | 649 |
| Noncurrent loans to loans | 6.9453% | 816 |
| Net loans and leases to total assets | 70.0437% | 2,723 |
| Net loans and leases to deposits | 79.2528% | 3,588 |
| Net loans and leases to core deposits | 81.5178% | 4,312 |
| Total domestic deposits to total assets | 88.3801% | 1,743 |
| Equity capital to assets | 10.7255% | 3,263 |
| Core capital (leverage) ratio | 10.6508% | 2,549 |
| Tier 1 risk-based capital ratio | 15.6444% | 2,931 |
| Total risk-based capital ratio | 16.8947% | 2,889 |
| Memoranda: | ||
| Average total assets | $128,919,000 | 4,353 |
| Average earning assets | $116,824,250 | 4,361 |
| Average equity | $13,744,250 | 4,260 |
| Average total loans | $91,703,250 | 4,076 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0179% | 152 |
| Cost of funding earning assets | 2.1365% | 581 |
| Net interest margin | 4.8814% | 559 |
| Noninterest income to average assets | 0.5488% | 3,726 |
| Noninterest expense to average assets | 4.0078% | 1,039 |
| Loan and lease loss provision to assets | 0.9613% | 1,521 |
| Net operating income to assets | -0.0171% | 6,101 |
| Return on assets (ROA) | -0.0171% | 6,198 |
| Pretax return on assets | -0.0171% | 6,168 |
| Return on Equity (ROE) | -0.1603% | 6,204 |
| Retained earnings to average equity (ytd only) | -5.2605% | 6,584 |
| Net charge-offs to loans | 0.2286% | 4,227 |
| Credit loss provision to net charge-offs | 590.4762% | 635 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,596 |
| Efficiency ratio | 80.9330% | 2,309 |
| Assets per employee ($millions) | 2.5358% | 7,053 |
| Cash dividends to net income (ytd only)* | -3,181.8182% | 7,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,643 |
| Loan loss allowance to noncurrent loans | 20.6871% | 6,906 |
| Noncurrent assets plus other real estate owned to assets | 7.8686% | 632 |
| Noncurrent loans to loans | 7.5210% | 713 |
| Net loans and leases to total assets | 69.2292% | 3,079 |
| Net loans and leases to deposits | 77.8684% | 3,994 |
| Net loans and leases to core deposits | 79.8883% | 4,707 |
| Total domestic deposits to total assets | 88.9054% | 1,492 |
| Equity capital to assets | 10.4095% | 3,515 |
| Core capital (leverage) ratio | 10.3451% | 2,779 |
| Tier 1 risk-based capital ratio | 15.1690% | 3,073 |
| Total risk-based capital ratio | 16.4231% | 3,025 |
| Memoranda: | ||
| Average total assets | $128,997,330 | 4,376 |
| Average earning assets | $116,359,670 | 4,408 |
| Average equity | $13,725,000 | 4,264 |
| Average total loans | $91,852,330 | 4,109 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8194% | 217 |
| Cost of funding earning assets | 2.1756% | 640 |
| Net interest margin | 4.6438% | 881 |
| Noninterest income to average assets | 0.5309% | 3,807 |
| Noninterest expense to average assets | 3.7040% | 1,508 |
| Loan and lease loss provision to assets | 0.1863% | 4,644 |
| Net operating income to assets | 0.8290% | 2,838 |
| Return on assets (ROA) | 0.8290% | 2,934 |
| Pretax return on assets | 0.8290% | 3,747 |
| Return on Equity (ROE) | 7.7076% | 3,022 |
| Retained earnings to average equity (ytd only) | 1.9341% | 4,968 |
| Net charge-offs to loans | 0.1300% | 4,186 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 10.9000% | 1,698 |
| Efficiency ratio | 78.4868% | 2,817 |
| Assets per employee ($millions) | 2.6594% | 6,941 |
| Cash dividends to net income (ytd only)* | 74.9064% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 6,422 |
| Loan loss allowance to noncurrent loans | 10.8708% | 7,315 |
| Noncurrent assets plus other real estate owned to assets | 7.9578% | 625 |
| Noncurrent loans to loans | 9.2705% | 502 |
| Net loans and leases to total assets | 70.1025% | 2,909 |
| Net loans and leases to deposits | 78.8918% | 3,864 |
| Net loans and leases to core deposits | 80.5616% | 4,696 |
| Total domestic deposits to total assets | 88.8590% | 1,593 |
| Equity capital to assets | 10.6590% | 3,079 |
| Core capital (leverage) ratio | 10.7798% | 2,381 |
| Tier 1 risk-based capital ratio | 15.8347% | 2,712 |
| Total risk-based capital ratio | 16.8949% | 2,756 |
| Memoranda: | ||
| Average total assets | $128,834,000 | 4,442 |
| Average earning assets | $116,198,000 | 4,466 |
| Average equity | $13,856,500 | 4,272 |
| Average total loans | $92,306,000 | 4,158 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6007% | 117 |
| Cost of funding earning assets | 2.6179% | 738 |
| Net interest margin | 4.9828% | 466 |
| Noninterest income to average assets | 0.5593% | 3,951 |
| Noninterest expense to average assets | 4.0682% | 1,276 |
| Loan and lease loss provision to assets | 0.4314% | 4,242 |
| Net operating income to assets | 0.6872% | 2,989 |
| Return on assets (ROA) | 0.6872% | 3,051 |
| Pretax return on assets | 0.6872% | 3,614 |
| Return on Equity (ROE) | 5.7965% | 3,296 |
| Retained earnings to average equity (ytd only) | -1.2552% | 5,332 |
| Net charge-offs to loans | 0.7039% | 3,077 |
| Credit loss provision to net charge-offs | 82.9582% | 6,219 |
| Earnings coverage of net charge-offs (x) | 2.1511% | 4,108 |
| Efficiency ratio | 78.4333% | 3,125 |
| Assets per employee ($millions) | 2.5991% | 7,038 |
| Cash dividends to net income (ytd only)* | 121.6545% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,511 |
| Loan loss allowance to noncurrent loans | 11.1801% | 7,347 |
| Noncurrent assets plus other real estate owned to assets | 7.3762% | 667 |
| Noncurrent loans to loans | 8.7187% | 541 |
| Net loans and leases to total assets | 71.7909% | 2,809 |
| Net loans and leases to deposits | 80.7735% | 3,845 |
| Net loans and leases to core deposits | 111.9218% | 2,705 |
| Total domestic deposits to total assets | 88.8792% | 1,531 |
| Equity capital to assets | 10.8538% | 2,817 |
| Core capital (leverage) ratio | 10.8353% | 2,324 |
| Tier 1 risk-based capital ratio | 15.9315% | 2,554 |
| Total risk-based capital ratio | 16.9688% | 2,576 |
| Memoranda: | ||
| Average total assets | $119,611,200 | 4,577 |
| Average earning assets | $111,082,200 | 4,532 |
| Average equity | $14,181,000 | 4,213 |
| Average total loans | $88,369,800 | 4,257 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7079% | 107 |
| Cost of funding earning assets | 2.6670% | 868 |
| Net interest margin | 5.0408% | 409 |
| Noninterest income to average assets | 0.5620% | 3,997 |
| Noninterest expense to average assets | 3.6234% | 1,976 |
| Loan and lease loss provision to assets | 0.3966% | 3,937 |
| Net operating income to assets | 1.2361% | 1,387 |
| Return on assets (ROA) | 1.2361% | 1,451 |
| Pretax return on assets | 1.2361% | 2,145 |
| Return on Equity (ROE) | 10.1933% | 1,849 |
| Retained earnings to average equity (ytd only) | 3.1860% | 3,531 |
| Net charge-offs to loans | 0.7202% | 2,553 |
| Credit loss provision to net charge-offs | 74.1525% | 5,902 |
| Earnings coverage of net charge-offs (x) | 3.0530% | 3,706 |
| Efficiency ratio | 68.9373% | 4,799 |
| Assets per employee ($millions) | 2.5441% | 7,155 |
| Cash dividends to net income (ytd only)* | 68.7446% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 6,343 |
| Loan loss allowance to noncurrent loans | 18.4282% | 7,175 |
| Noncurrent assets plus other real estate owned to assets | 5.0272% | 1,164 |
| Noncurrent loans to loans | 5.3830% | 1,178 |
| Net loans and leases to total assets | 70.7748% | 3,322 |
| Net loans and leases to deposits | 81.0290% | 4,190 |
| Net loans and leases to core deposits | 110.9742% | 3,129 |
| Total domestic deposits to total assets | 87.3451% | 1,988 |
| Equity capital to assets | 11.5046% | 2,579 |
| Core capital (leverage) ratio | 11.6908% | 1,971 |
| Tier 1 risk-based capital ratio | 17.2679% | 2,195 |
| Total risk-based capital ratio | 18.3322% | 2,201 |
| Memoranda: | ||
| Average total assets | $117,675,000 | 4,655 |
| Average earning assets | $109,582,000 | 4,608 |
| Average equity | $14,270,500 | 4,232 |
| Average total loans | $87,379,750 | 4,329 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8996% | 101 |
| Cost of funding earning assets | 2.6759% | 1,089 |
| Net interest margin | 5.2237% | 286 |
| Noninterest income to average assets | 0.5618% | 3,943 |
| Noninterest expense to average assets | 3.6326% | 1,995 |
| Loan and lease loss provision to assets | 0.1734% | 5,326 |
| Net operating income to assets | 1.6334% | 642 |
| Return on assets (ROA) | 1.6334% | 706 |
| Pretax return on assets | 1.6334% | 1,145 |
| Return on Equity (ROE) | 13.2241% | 1,141 |
| Retained earnings to average equity (ytd only) | 6.2050% | 1,927 |
| Net charge-offs to loans | 0.7143% | 2,273 |
| Credit loss provision to net charge-offs | 32.2581% | 6,001 |
| Earnings coverage of net charge-offs (x) | 3.3613% | 3,462 |
| Efficiency ratio | 66.7836% | 5,404 |
| Assets per employee ($millions) | 2.7127% | 6,802 |
| Cash dividends to net income (ytd only)* | 53.0786% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 6,778 |
| Loan loss allowance to noncurrent loans | 19.4526% | 7,160 |
| Noncurrent assets plus other real estate owned to assets | 4.4064% | 1,286 |
| Noncurrent loans to loans | 4.6150% | 1,381 |
| Net loans and leases to total assets | 71.9829% | 3,234 |
| Net loans and leases to deposits | 82.4460% | 4,152 |
| Net loans and leases to core deposits | 112.4447% | 3,083 |
| Total domestic deposits to total assets | 87.3091% | 2,095 |
| Equity capital to assets | 11.8315% | 2,303 |
| Core capital (leverage) ratio | 12.1446% | 1,775 |
| Tier 1 risk-based capital ratio | 17.5761% | 2,119 |
| Total risk-based capital ratio | 18.5448% | 2,152 |
| Memoranda: | ||
| Average total assets | $115,345,670 | 4,740 |
| Average earning assets | $107,701,330 | 4,686 |
| Average equity | $14,246,670 | 4,254 |
| Average total loans | $86,801,670 | 4,367 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1509% | 77 |
| Cost of funding earning assets | 2.6942% | 1,290 |
| Net interest margin | 5.4567% | 188 |
| Noninterest income to average assets | 0.5465% | 3,955 |
| Noninterest expense to average assets | 3.5898% | 1,889 |
| Loan and lease loss provision to assets | 0.1429% | 5,114 |
| Net operating income to assets | 1.9467% | 383 |
| Return on assets (ROA) | 1.9467% | 435 |
| Pretax return on assets | 1.9503% | 723 |
| Return on Equity (ROE) | 15.4080% | 902 |
| Retained earnings to average equity (ytd only) | 8.3401% | 1,688 |
| Net charge-offs to loans | 1.1320% | 1,212 |
| Credit loss provision to net charge-offs | 16.4609% | 5,124 |
| Earnings coverage of net charge-offs (x) | 2.4115% | 3,526 |
| Efficiency ratio | 63.1678% | 5,843 |
| Assets per employee ($millions) | 2.5397% | 7,205 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 6,655 |
| Loan loss allowance to noncurrent loans | 24.4668% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 3.9812% | 1,293 |
| Noncurrent loans to loans | 3.7591% | 1,647 |
| Net loans and leases to total assets | 75.6912% | 2,345 |
| Net loans and leases to deposits | 87.3577% | 3,408 |
| Net loans and leases to core deposits | 117.0091% | 2,681 |
| Total domestic deposits to total assets | 86.6451% | 2,384 |
| Equity capital to assets | 12.5087% | 1,964 |
| Core capital (leverage) ratio | 12.6950% | 1,604 |
| Tier 1 risk-based capital ratio | 17.7780% | 2,105 |
| Total risk-based capital ratio | 18.7766% | 2,121 |
| Memoranda: | ||
| Average total assets | $111,982,500 | 4,856 |
| Average earning assets | $105,411,500 | 4,764 |
| Average equity | $14,148,500 | 4,304 |
| Average total loans | $85,869,000 | 4,432 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2924% | 129 |
| Cost of funding earning assets | 3.0712% | 1,597 |
| Net interest margin | 5.2212% | 325 |
| Noninterest income to average assets | 0.6579% | 3,415 |
| Noninterest expense to average assets | 3.8754% | 1,605 |
| Loan and lease loss provision to assets | 0.1264% | 5,750 |
| Net operating income to assets | 1.5758% | 873 |
| Return on assets (ROA) | 1.5758% | 843 |
| Pretax return on assets | 1.5767% | 1,453 |
| Return on Equity (ROE) | 12.6588% | 1,414 |
| Retained earnings to average equity (ytd only) | 5.0461% | 2,000 |
| Net charge-offs to loans | 0.2114% | 4,094 |
| Credit loss provision to net charge-offs | 79.5455% | 5,909 |
| Earnings coverage of net charge-offs (x) | 10.7216% | 2,468 |
| Efficiency ratio | 69.4710% | 4,451 |
| Assets per employee ($millions) | 2.4373% | 7,333 |
| Cash dividends to net income (ytd only)* | 60.1375% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 4,606 |
| Loan loss allowance to noncurrent loans | 28.7675% | 6,777 |
| Noncurrent assets plus other real estate owned to assets | 4.1941% | 948 |
| Noncurrent loans to loans | 4.1419% | 1,173 |
| Net loans and leases to total assets | 76.0624% | 2,605 |
| Net loans and leases to deposits | 87.5226% | 3,862 |
| Net loans and leases to core deposits | 114.2953% | 3,303 |
| Total domestic deposits to total assets | 86.9061% | 1,981 |
| Equity capital to assets | 12.7657% | 1,884 |
| Core capital (leverage) ratio | 12.7398% | 1,647 |
| Tier 1 risk-based capital ratio | 18.2139% | 1,986 |
| Total risk-based capital ratio | 19.4640% | 1,935 |
| Memoranda: | ||
| Average total assets | $110,802,800 | 4,754 |
| Average earning assets | $104,420,600 | 4,665 |
| Average equity | $13,792,800 | 4,386 |
| Average total loans | $83,273,800 | 4,418 |