Home > The Garrett State Bank > Performance and Condition Ratios
The Garrett State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 2,763 |
| Cost of funding earning assets | 1.5152% | 1,909 |
| Net interest margin | 3.1467% | 2,983 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.8488% | 3,919 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.4100% | 1,201 |
| Return on assets (ROA) | 1.4100% | 1,174 |
| Pretax return on assets | 1.4100% | 1,609 |
| Return on Equity (ROE) | 15.2300% | 1,244 |
| Retained earnings to average equity (ytd only) | 6.4291% | 2,083 |
| Net charge-offs to loans | 0.0215% | 1,905 |
| Credit loss provision to net charge-offs | 123.2143% | 1,650 |
| Earnings coverage of net charge-offs (x) | 85.4643% | 983 |
| Efficiency ratio | 56.3441% | 3,465 |
| Assets per employee ($millions) | 9.7327% | 762 |
| Cash dividends to net income (ytd only)* | 57.7797% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 3,383 |
| Loan loss allowance to noncurrent loans | 292.0493% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 1,937 |
| Noncurrent loans to loans | 0.3376% | 1,971 |
| Net loans and leases to total assets | 74.7600% | 1,266 |
| Net loans and leases to deposits | 86.3844% | 1,591 |
| Net loans and leases to core deposits | 96.7976% | 1,616 |
| Total domestic deposits to total assets | 86.5400% | 1,839 |
| Equity capital to assets | 9.3260% | 2,473 |
| Core capital (leverage) ratio | 10.0079% | 2,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2528% | 760 |
| Memoranda: | ||
| Average total assets | $334,107,200 | 2,252 |
| Average earning assets | $326,020,000 | 2,190 |
| Average equity | $30,937,600 | 2,225 |
| Average total loans | $260,126,800 | 1,957 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 2,727 |
| Cost of funding earning assets | 1.3985% | 1,872 |
| Net interest margin | 3.1811% | 2,957 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.7925% | 3,994 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.5060% | 1,110 |
| Return on assets (ROA) | 1.5060% | 1,100 |
| Pretax return on assets | 1.5060% | 1,544 |
| Return on Equity (ROE) | 16.3000% | 1,201 |
| Retained earnings to average equity (ytd only) | 6.9849% | 2,291 |
| Net charge-offs to loans | 0.0139% | 1,897 |
| Credit loss provision to net charge-offs | 225.9259% | 1,044 |
| Earnings coverage of net charge-offs (x) | 139.8148% | 771 |
| Efficiency ratio | 54.0307% | 3,584 |
| Assets per employee ($millions) | 9.0162% | 925 |
| Cash dividends to net income (ytd only)* | 57.1352% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 3,337 |
| Loan loss allowance to noncurrent loans | 370.2817% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 2,168 |
| Noncurrent loans to loans | 0.2712% | 2,267 |
| Net loans and leases to total assets | 79.8400% | 663 |
| Net loans and leases to deposits | 94.7390% | 840 |
| Net loans and leases to core deposits | 105.2488% | 1,052 |
| Total domestic deposits to total assets | 84.2700% | 2,696 |
| Equity capital to assets | 9.4676% | 2,118 |
| Core capital (leverage) ratio | 10.3155% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5661% | 749 |
| Memoranda: | ||
| Average total assets | $330,040,000 | 2,266 |
| Average earning assets | $322,056,250 | 2,201 |
| Average equity | $30,503,000 | 2,229 |
| Average total loans | $259,020,250 | 1,966 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 2,729 |
| Cost of funding earning assets | 1.2876% | 1,744 |
| Net interest margin | 3.1788% | 3,038 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.7863% | 4,023 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.5109% | 1,079 |
| Return on assets (ROA) | 1.5109% | 1,079 |
| Pretax return on assets | 1.5109% | 1,576 |
| Return on Equity (ROE) | 16.4800% | 1,188 |
| Retained earnings to average equity (ytd only) | 7.2369% | 2,213 |
| Net charge-offs to loans | 0.0194% | 1,508 |
| Credit loss provision to net charge-offs | 160.0000% | 1,159 |
| Earnings coverage of net charge-offs (x) | 101.6400% | 927 |
| Efficiency ratio | 53.8420% | 3,628 |
| Assets per employee ($millions) | 8.8445% | 959 |
| Cash dividends to net income (ytd only)* | 56.0830% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 3,374 |
| Loan loss allowance to noncurrent loans | 252.4178% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 1,687 |
| Noncurrent loans to loans | 0.4011% | 1,728 |
| Net loans and leases to total assets | 75.9300% | 1,058 |
| Net loans and leases to deposits | 86.7502% | 1,445 |
| Net loans and leases to core deposits | 95.9380% | 1,473 |
| Total domestic deposits to total assets | 87.5300% | 1,772 |
| Equity capital to assets | 9.1734% | 2,392 |
| Core capital (leverage) ratio | 10.1769% | 2,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6414% | 748 |
| Memoranda: | ||
| Average total assets | $331,859,333 | 2,271 |
| Average earning assets | $324,020,333 | 2,211 |
| Average equity | $30,427,333 | 2,250 |
| Average total loans | $258,106,000 | 1,964 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,595 |
| Cost of funding earning assets | 1.1093% | 1,728 |
| Net interest margin | 3.2757% | 2,933 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 1.8184% | 3,999 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.5843% | 1,012 |
| Return on assets (ROA) | 1.5843% | 1,008 |
| Pretax return on assets | 1.5843% | 1,504 |
| Return on Equity (ROE) | 17.2800% | 1,131 |
| Retained earnings to average equity (ytd only) | 7.8741% | 2,255 |
| Net charge-offs to loans | -0.0046% | 3,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.3262% | 3,673 |
| Assets per employee ($millions) | 8.5743% | 1,103 |
| Cash dividends to net income (ytd only)* | 54.4410% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,477 |
| Loan loss allowance to noncurrent loans | 253.8835% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 1,589 |
| Noncurrent loans to loans | 0.3976% | 1,739 |
| Net loans and leases to total assets | 78.7000% | 686 |
| Net loans and leases to deposits | 91.0863% | 971 |
| Net loans and leases to core deposits | 100.7885% | 1,058 |
| Total domestic deposits to total assets | 86.4000% | 2,475 |
| Equity capital to assets | 9.4944% | 2,148 |
| Core capital (leverage) ratio | 10.0412% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3462% | 801 |
| Memoranda: | ||
| Average total assets | $329,744,000 | 2,314 |
| Average earning assets | $322,007,000 | 2,245 |
| Average equity | $30,225,500 | 2,282 |
| Average total loans | $258,254,000 | 1,984 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8134% | 2,240 |
| Cost of funding earning assets | 0.5223% | 1,253 |
| Net interest margin | 3.2912% | 2,588 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.8939% | 3,839 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5171% | 842 |
| Return on assets (ROA) | 1.5171% | 817 |
| Pretax return on assets | 1.5171% | 1,401 |
| Return on Equity (ROE) | 16.2300% | 1,010 |
| Retained earnings to average equity (ytd only) | 7.1480% | 2,178 |
| Net charge-offs to loans | 0.0036% | 2,328 |
| Credit loss provision to net charge-offs | 1,833.3333% | 279 |
| Earnings coverage of net charge-offs (x) | 561.4444% | 307 |
| Efficiency ratio | 54.7019% | 3,724 |
| Assets per employee ($millions) | 8.7807% | 983 |
| Cash dividends to net income (ytd only)* | 55.9534% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 3,514 |
| Loan loss allowance to noncurrent loans | 320.3846% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 1,974 |
| Noncurrent loans to loans | 0.3030% | 2,057 |
| Net loans and leases to total assets | 76.4100% | 969 |
| Net loans and leases to deposits | 86.2733% | 1,291 |
| Net loans and leases to core deposits | 95.2735% | 1,239 |
| Total domestic deposits to total assets | 88.5700% | 1,856 |
| Equity capital to assets | 8.8460% | 2,457 |
| Core capital (leverage) ratio | 9.8977% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0697% | 820 |
| Memoranda: | ||
| Average total assets | $322,194,800 | 2,338 |
| Average earning assets | $314,600,000 | 2,265 |
| Average equity | $30,120,400 | 2,330 |
| Average total loans | $247,055,600 | 1,960 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 2,121 |
| Cost of funding earning assets | 0.3978% | 1,305 |
| Net interest margin | 3.2732% | 2,380 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.7979% | 3,993 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.6121% | 642 |
| Return on assets (ROA) | 1.6121% | 622 |
| Pretax return on assets | 1.6121% | 1,092 |
| Return on Equity (ROE) | 17.0100% | 788 |
| Retained earnings to average equity (ytd only) | 8.4390% | 1,840 |
| Net charge-offs to loans | 0.0005% | 2,324 |
| Credit loss provision to net charge-offs | 10,500.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 3,966.0000% | 29 |
| Efficiency ratio | 52.0551% | 4,001 |
| Assets per employee ($millions) | 8.0125% | 1,317 |
| Cash dividends to net income (ytd only)* | 50.3756% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 3,651 |
| Loan loss allowance to noncurrent loans | 411.9529% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,363 |
| Noncurrent loans to loans | 0.2333% | 2,456 |
| Net loans and leases to total assets | 78.6800% | 642 |
| Net loans and leases to deposits | 89.2801% | 944 |
| Net loans and leases to core deposits | 99.0460% | 854 |
| Total domestic deposits to total assets | 88.1300% | 2,385 |
| Equity capital to assets | 9.2090% | 2,071 |
| Core capital (leverage) ratio | 10.0427% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0830% | 848 |
| Memoranda: | ||
| Average total assets | $319,327,250 | 2,371 |
| Average earning assets | $311,735,250 | 2,292 |
| Average equity | $30,271,500 | 2,358 |
| Average total loans | $244,453,000 | 1,975 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5229% | 2,064 |
| Cost of funding earning assets | 0.3346% | 1,401 |
| Net interest margin | 3.1884% | 2,229 |
| Noninterest income to average assets | 0.2665% | 3,576 |
| Noninterest expense to average assets | 1.7370% | 4,080 |
| Loan and lease loss provision to assets | 0.0376% | 1,915 |
| Net operating income to assets | 1.6053% | 543 |
| Return on assets (ROA) | 1.6053% | 525 |
| Pretax return on assets | 1.6053% | 921 |
| Return on Equity (ROE) | 16.7739% | 589 |
| Retained earnings to average equity (ytd only) | 8.4525% | 1,456 |
| Net charge-offs to loans | 0.0017% | 2,061 |
| Credit loss provision to net charge-offs | 3,000.0000% | 173 |
| Earnings coverage of net charge-offs (x) | 1,310.0000% | 94 |
| Efficiency ratio | 51.3915% | 4,172 |
| Assets per employee ($millions) | 8.2778% | 1,160 |
| Cash dividends to net income (ytd only)* | 49.6094% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 3,707 |
| Loan loss allowance to noncurrent loans | 367.1254% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 2,309 |
| Noncurrent loans to loans | 0.2656% | 2,414 |
| Net loans and leases to total assets | 75.5427% | 772 |
| Net loans and leases to deposits | 86.0893% | 965 |
| Net loans and leases to core deposits | 95.1196% | 863 |
| Total domestic deposits to total assets | 87.7492% | 2,675 |
| Equity capital to assets | 9.3794% | 2,110 |
| Core capital (leverage) ratio | 9.9589% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5790% | 772 |
| Memoranda: | ||
| Average total assets | $318,936,000 | 2,389 |
| Average earning assets | $311,445,667 | 2,321 |
| Average equity | $30,523,667 | 2,390 |
| Average total loans | $241,059,667 | 1,990 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5113% | 1,776 |
| Cost of funding earning assets | 0.3012% | 1,648 |
| Net interest margin | 3.2101% | 1,859 |
| Noninterest income to average assets | 0.2902% | 3,386 |
| Noninterest expense to average assets | 1.7553% | 4,043 |
| Loan and lease loss provision to assets | 0.0379% | 1,677 |
| Net operating income to assets | 1.6304% | 475 |
| Return on assets (ROA) | 1.6304% | 472 |
| Pretax return on assets | 1.6304% | 789 |
| Return on Equity (ROE) | 16.8638% | 438 |
| Retained earnings to average equity (ytd only) | 8.9018% | 1,293 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2717% | 4,238 |
| Assets per employee ($millions) | 8.3828% | 1,171 |
| Cash dividends to net income (ytd only)* | 47.2136% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,742 |
| Loan loss allowance to noncurrent loans | 351.0355% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 2,365 |
| Noncurrent loans to loans | 0.2844% | 2,453 |
| Net loans and leases to total assets | 73.8725% | 668 |
| Net loans and leases to deposits | 85.7123% | 764 |
| Net loans and leases to core deposits | 93.3346% | 758 |
| Total domestic deposits to total assets | 86.1866% | 3,200 |
| Equity capital to assets | 9.5428% | 2,248 |
| Core capital (leverage) ratio | 9.8532% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2470% | 722 |
| Memoranda: | ||
| Average total assets | $316,986,000 | 2,409 |
| Average earning assets | $309,401,500 | 2,337 |
| Average equity | $30,645,500 | 2,452 |
| Average total loans | $238,449,500 | 2,001 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7042% | 2,102 |
| Cost of funding earning assets | 0.3271% | 2,144 |
| Net interest margin | 3.3771% | 2,094 |
| Noninterest income to average assets | 0.2566% | 3,840 |
| Noninterest expense to average assets | 1.8858% | 3,958 |
| Loan and lease loss provision to assets | 0.0198% | 2,673 |
| Net operating income to assets | 1.6441% | 716 |
| Return on assets (ROA) | 1.6441% | 754 |
| Pretax return on assets | 1.6441% | 1,297 |
| Return on Equity (ROE) | 16.5091% | 677 |
| Retained earnings to average equity (ytd only) | 7.3057% | 1,809 |
| Net charge-offs to loans | 0.0160% | 1,987 |
| Credit loss provision to net charge-offs | 166.6667% | 1,424 |
| Earnings coverage of net charge-offs (x) | 140.1389% | 705 |
| Efficiency ratio | 53.1265% | 4,017 |
| Assets per employee ($millions) | 8.0879% | 1,286 |
| Cash dividends to net income (ytd only)* | 55.7472% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,830 |
| Loan loss allowance to noncurrent loans | 246.3722% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 2,027 |
| Noncurrent loans to loans | 0.3976% | 2,165 |
| Net loans and leases to total assets | 75.0938% | 580 |
| Net loans and leases to deposits | 87.6434% | 671 |
| Net loans and leases to core deposits | 93.1150% | 818 |
| Total domestic deposits to total assets | 85.6810% | 3,021 |
| Equity capital to assets | 9.7940% | 2,856 |
| Core capital (leverage) ratio | 9.8528% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8324% | 781 |
| Memoranda: | ||
| Average total assets | $303,209,800 | 2,423 |
| Average earning assets | $295,667,600 | 2,349 |
| Average equity | $30,195,400 | 2,519 |
| Average total loans | $224,711,600 | 2,079 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 2,116 |
| Cost of funding earning assets | 0.3455% | 2,164 |
| Net interest margin | 3.4161% | 2,108 |
| Noninterest income to average assets | 0.2479% | 3,910 |
| Noninterest expense to average assets | 1.8217% | 4,123 |
| Loan and lease loss provision to assets | 0.0200% | 2,599 |
| Net operating income to assets | 1.7355% | 761 |
| Return on assets (ROA) | 1.7355% | 795 |
| Pretax return on assets | 1.7355% | 1,316 |
| Return on Equity (ROE) | 17.3519% | 714 |
| Retained earnings to average equity (ytd only) | 8.8736% | 1,745 |
| Net charge-offs to loans | 0.0223% | 1,603 |
| Credit loss provision to net charge-offs | 121.6216% | 1,457 |
| Earnings coverage of net charge-offs (x) | 106.8108% | 841 |
| Efficiency ratio | 50.9251% | 4,130 |
| Assets per employee ($millions) | 7.6147% | 1,501 |
| Cash dividends to net income (ytd only)* | 48.8610% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 3,862 |
| Loan loss allowance to noncurrent loans | 179.6911% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 1,761 |
| Noncurrent loans to loans | 0.5545% | 1,928 |
| Net loans and leases to total assets | 75.9166% | 554 |
| Net loans and leases to deposits | 89.1545% | 649 |
| Net loans and leases to core deposits | 94.8776% | 794 |
| Total domestic deposits to total assets | 85.1517% | 3,064 |
| Equity capital to assets | 10.1672% | 2,741 |
| Core capital (leverage) ratio | 10.0160% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4891% | 884 |
| Memoranda: | ||
| Average total assets | $300,155,500 | 2,458 |
| Average earning assets | $292,532,250 | 2,391 |
| Average equity | $30,021,000 | 2,564 |
| Average total loans | $221,087,250 | 2,130 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7575% | 2,181 |
| Cost of funding earning assets | 0.3711% | 2,126 |
| Net interest margin | 3.3865% | 2,181 |
| Noninterest income to average assets | 0.2491% | 3,911 |
| Noninterest expense to average assets | 1.7966% | 4,190 |
| Loan and lease loss provision to assets | 0.0201% | 2,562 |
| Net operating income to assets | 1.7323% | 825 |
| Return on assets (ROA) | 1.7323% | 873 |
| Pretax return on assets | 1.7323% | 1,403 |
| Return on Equity (ROE) | 17.4177% | 731 |
| Retained earnings to average equity (ytd only) | 9.3788% | 1,595 |
| Net charge-offs to loans | 0.0267% | 1,418 |
| Credit loss provision to net charge-offs | 103.4483% | 1,340 |
| Earnings coverage of net charge-offs (x) | 90.2414% | 792 |
| Efficiency ratio | 50.6226% | 4,180 |
| Assets per employee ($millions) | 7.8171% | 1,297 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,697 |
| Loan loss allowance to noncurrent loans | 203.5088% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 2,109 |
| Noncurrent loans to loans | 0.5087% | 2,153 |
| Net loans and leases to total assets | 72.7486% | 877 |
| Net loans and leases to deposits | 85.1643% | 971 |
| Net loans and leases to core deposits | 90.7894% | 1,082 |
| Total domestic deposits to total assets | 85.4214% | 2,933 |
| Equity capital to assets | 9.9490% | 2,893 |
| Core capital (leverage) ratio | 9.9630% | 2,431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4094% | 770 |
| Memoranda: | ||
| Average total assets | $298,678,333 | 2,462 |
| Average earning assets | $291,041,000 | 2,396 |
| Average equity | $29,705,333 | 2,577 |
| Average total loans | $216,930,000 | 2,164 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6581% | 2,475 |
| Cost of funding earning assets | 0.4040% | 2,062 |
| Net interest margin | 3.2541% | 2,537 |
| Noninterest income to average assets | 0.2517% | 3,890 |
| Noninterest expense to average assets | 1.7119% | 4,355 |
| Loan and lease loss provision to assets | 0.0203% | 2,518 |
| Net operating income to assets | 1.6916% | 957 |
| Return on assets (ROA) | 1.6916% | 1,007 |
| Pretax return on assets | 1.6916% | 1,511 |
| Return on Equity (ROE) | 17.0111% | 847 |
| Retained earnings to average equity (ytd only) | 9.0635% | 1,935 |
| Net charge-offs to loans | 0.0262% | 1,235 |
| Credit loss provision to net charge-offs | 107.1429% | 1,081 |
| Earnings coverage of net charge-offs (x) | 90.3571% | 654 |
| Efficiency ratio | 50.0000% | 4,181 |
| Assets per employee ($millions) | 7.7484% | 1,314 |
| Cash dividends to net income (ytd only)* | 46.7200% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,581 |
| Loan loss allowance to noncurrent loans | 190.9465% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 2,162 |
| Noncurrent loans to loans | 0.5599% | 2,179 |
| Net loans and leases to total assets | 72.9104% | 907 |
| Net loans and leases to deposits | 86.4075% | 937 |
| Net loans and leases to core deposits | 93.1046% | 1,038 |
| Total domestic deposits to total assets | 84.3797% | 3,316 |
| Equity capital to assets | 10.0327% | 2,676 |
| Core capital (leverage) ratio | 9.8595% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3103% | 875 |
| Memoranda: | ||
| Average total assets | $295,585,000 | 2,464 |
| Average earning assets | $288,127,000 | 2,393 |
| Average equity | $29,392,500 | 2,594 |
| Average total loans | $213,342,500 | 2,194 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0817% | 2,477 |
| Cost of funding earning assets | 0.5785% | 2,456 |
| Net interest margin | 3.5032% | 2,468 |
| Noninterest income to average assets | 0.2462% | 4,015 |
| Noninterest expense to average assets | 1.9619% | 4,212 |
| Loan and lease loss provision to assets | 0.1440% | 2,562 |
| Net operating income to assets | 1.5535% | 708 |
| Return on assets (ROA) | 1.5665% | 747 |
| Pretax return on assets | 1.5665% | 1,143 |
| Return on Equity (ROE) | 15.5225% | 560 |
| Retained earnings to average equity (ytd only) | 6.6321% | 1,533 |
| Net charge-offs to loans | 0.0091% | 3,000 |
| Credit loss provision to net charge-offs | 2,277.7778% | 400 |
| Earnings coverage of net charge-offs (x) | 268.5556% | 372 |
| Efficiency ratio | 53.6129% | 4,250 |
| Assets per employee ($millions) | 7.6085% | 1,217 |
| Cash dividends to net income (ytd only)* | 57.2742% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 3,433 |
| Loan loss allowance to noncurrent loans | 207.7957% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 2,480 |
| Noncurrent loans to loans | 0.5322% | 2,387 |
| Net loans and leases to total assets | 69.8846% | 1,579 |
| Net loans and leases to deposits | 82.7494% | 1,575 |
| Net loans and leases to core deposits | 90.7051% | 1,477 |
| Total domestic deposits to total assets | 84.4533% | 2,962 |
| Equity capital to assets | 9.8557% | 3,256 |
| Core capital (leverage) ratio | 9.6741% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3021% | 859 |
| Memoranda: | ||
| Average total assets | $284,777,200 | 2,373 |
| Average earning assets | $277,458,400 | 2,303 |
| Average equity | $28,739,000 | 2,549 |
| Average total loans | $197,909,600 | 2,256 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 2,214 |
| Cost of funding earning assets | 0.6276% | 2,443 |
| Net interest margin | 3.6349% | 2,138 |
| Noninterest income to average assets | 0.2546% | 3,951 |
| Noninterest expense to average assets | 1.8212% | 4,457 |
| Loan and lease loss provision to assets | 0.1515% | 2,501 |
| Net operating income to assets | 1.8226% | 430 |
| Return on assets (ROA) | 1.8401% | 458 |
| Pretax return on assets | 1.8401% | 727 |
| Return on Equity (ROE) | 18.1222% | 353 |
| Retained earnings to average equity (ytd only) | 10.4101% | 687 |
| Net charge-offs to loans | 0.0116% | 2,688 |
| Credit loss provision to net charge-offs | 1,882.3529% | 506 |
| Earnings coverage of net charge-offs (x) | 245.4118% | 414 |
| Efficiency ratio | 47.9865% | 4,610 |
| Assets per employee ($millions) | 7.3834% | 1,286 |
| Cash dividends to net income (ytd only)* | 42.5559% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 3,284 |
| Loan loss allowance to noncurrent loans | 188.3446% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 2,521 |
| Noncurrent loans to loans | 0.5762% | 2,361 |
| Net loans and leases to total assets | 70.5834% | 1,868 |
| Net loans and leases to deposits | 84.1550% | 1,895 |
| Net loans and leases to core deposits | 92.4792% | 1,755 |
| Total domestic deposits to total assets | 83.8731% | 2,859 |
| Equity capital to assets | 10.2715% | 2,989 |
| Core capital (leverage) ratio | 9.7837% | 2,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8781% | 798 |
| Memoranda: | ||
| Average total assets | $281,788,500 | 2,368 |
| Average earning assets | $274,478,000 | 2,302 |
| Average equity | $28,612,500 | 2,551 |
| Average total loans | $194,964,750 | 2,279 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,851 |
| Cost of funding earning assets | 0.6849% | 2,477 |
| Net interest margin | 3.8386% | 1,719 |
| Noninterest income to average assets | 0.2552% | 3,944 |
| Noninterest expense to average assets | 1.8303% | 4,518 |
| Loan and lease loss provision to assets | 0.1287% | 2,739 |
| Net operating income to assets | 2.0348% | 308 |
| Return on assets (ROA) | 2.0612% | 325 |
| Pretax return on assets | 2.0612% | 484 |
| Return on Equity (ROE) | 20.3810% | 227 |
| Retained earnings to average equity (ytd only) | 12.9228% | 366 |
| Net charge-offs to loans | -0.0063% | 4,079 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8289% | 4,732 |
| Assets per employee ($millions) | 7.7508% | 1,063 |
| Cash dividends to net income (ytd only)* | 36.5938% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 3,286 |
| Loan loss allowance to noncurrent loans | 158.3958% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 2,551 |
| Noncurrent loans to loans | 0.6678% | 2,193 |
| Net loans and leases to total assets | 65.3858% | 2,708 |
| Net loans and leases to deposits | 77.0769% | 2,753 |
| Net loans and leases to core deposits | 84.7955% | 2,545 |
| Total domestic deposits to total assets | 84.8320% | 2,457 |
| Equity capital to assets | 9.6162% | 3,552 |
| Core capital (leverage) ratio | 9.7375% | 3,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3085% | 734 |
| Memoranda: | ||
| Average total assets | $279,733,667 | 2,360 |
| Average earning assets | $272,440,667 | 2,293 |
| Average equity | $28,291,000 | 2,567 |
| Average total loans | $191,460,667 | 2,292 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2564% | 596 |
| Cost of funding earning assets | 0.7890% | 2,456 |
| Net interest margin | 4.4674% | 544 |
| Noninterest income to average assets | 0.2876% | 3,801 |
| Noninterest expense to average assets | 1.8938% | 4,550 |
| Loan and lease loss provision to assets | 0.0745% | 2,806 |
| Net operating income to assets | 2.6641% | 92 |
| Return on assets (ROA) | 2.7192% | 89 |
| Pretax return on assets | 2.7192% | 122 |
| Return on Equity (ROE) | 26.1625% | 53 |
| Retained earnings to average equity (ytd only) | 18.7797% | 78 |
| Net charge-offs to loans | -0.0043% | 3,810 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8813% | 4,969 |
| Assets per employee ($millions) | 7.6985% | 831 |
| Cash dividends to net income (ytd only)* | 28.2192% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,412 |
| Loan loss allowance to noncurrent loans | 139.5628% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 2,458 |
| Noncurrent loans to loans | 0.7582% | 2,105 |
| Net loans and leases to total assets | 66.7714% | 2,726 |
| Net loans and leases to deposits | 80.1562% | 2,658 |
| Net loans and leases to core deposits | 89.1475% | 2,431 |
| Total domestic deposits to total assets | 83.3016% | 3,019 |
| Equity capital to assets | 10.1296% | 3,669 |
| Core capital (leverage) ratio | 10.7716% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0570% | 740 |
| Memoranda: | ||
| Average total assets | $268,460,000 | 2,376 |
| Average earning assets | $261,089,000 | 2,314 |
| Average equity | $27,902,500 | 2,582 |
| Average total loans | $187,310,000 | 2,285 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 2,624 |
| Cost of funding earning assets | 0.8254% | 2,558 |
| Net interest margin | 3.7716% | 2,599 |
| Noninterest income to average assets | 0.2817% | 3,997 |
| Noninterest expense to average assets | 2.2331% | 4,098 |
| Loan and lease loss provision to assets | 0.0486% | 3,055 |
| Net operating income to assets | 1.6577% | 729 |
| Return on assets (ROA) | 1.6577% | 777 |
| Pretax return on assets | 1.6577% | 1,313 |
| Return on Equity (ROE) | 15.4685% | 610 |
| Retained earnings to average equity (ytd only) | 6.6277% | 1,551 |
| Net charge-offs to loans | 0.0677% | 2,119 |
| Credit loss provision to net charge-offs | 98.3607% | 2,531 |
| Earnings coverage of net charge-offs (x) | 34.5574% | 1,440 |
| Efficiency ratio | 56.6879% | 4,123 |
| Assets per employee ($millions) | 6.3359% | 1,393 |
| Cash dividends to net income (ytd only)* | 57.1533% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,327 |
| Loan loss allowance to noncurrent loans | 100.4169% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 1,756 |
| Noncurrent loans to loans | 1.0230% | 1,479 |
| Net loans and leases to total assets | 71.4697% | 2,175 |
| Net loans and leases to deposits | 87.0123% | 1,969 |
| Net loans and leases to core deposits | 97.2592% | 1,795 |
| Total domestic deposits to total assets | 82.1375% | 3,472 |
| Equity capital to assets | 10.6751% | 3,281 |
| Core capital (leverage) ratio | 10.5633% | 2,889 |
| Tier 1 risk-based capital ratio | 18.4757% | 1,636 |
| Total risk-based capital ratio | 19.7266% | 1,611 |
| Memoranda: | ||
| Average total assets | $247,095,800 | 2,481 |
| Average earning assets | $239,632,600 | 2,412 |
| Average equity | $26,479,600 | 2,595 |
| Average total loans | $180,255,400 | 2,314 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6306% | 2,632 |
| Cost of funding earning assets | 0.8299% | 2,567 |
| Net interest margin | 3.8007% | 2,594 |
| Noninterest income to average assets | 0.2793% | 4,078 |
| Noninterest expense to average assets | 2.1924% | 4,192 |
| Loan and lease loss provision to assets | 0.0492% | 2,914 |
| Net operating income to assets | 1.7223% | 713 |
| Return on assets (ROA) | 1.7223% | 752 |
| Pretax return on assets | 1.7223% | 1,274 |
| Return on Equity (ROE) | 16.0556% | 596 |
| Retained earnings to average equity (ytd only) | 7.6890% | 1,543 |
| Net charge-offs to loans | 0.0105% | 2,993 |
| Credit loss provision to net charge-offs | 642.8571% | 512 |
| Earnings coverage of net charge-offs (x) | 231.4531% | 398 |
| Efficiency ratio | 55.3089% | 4,242 |
| Assets per employee ($millions) | 6.3231% | 1,375 |
| Cash dividends to net income (ytd only)* | 52.1105% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,077 |
| Loan loss allowance to noncurrent loans | 103.0319% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.7891% | 1,750 |
| Noncurrent loans to loans | 1.0582% | 1,513 |
| Net loans and leases to total assets | 73.7569% | 1,861 |
| Net loans and leases to deposits | 90.8059% | 1,590 |
| Net loans and leases to core deposits | 100.9502% | 1,583 |
| Total domestic deposits to total assets | 81.2248% | 3,688 |
| Equity capital to assets | 11.1755% | 2,951 |
| Core capital (leverage) ratio | 10.4649% | 3,135 |
| Tier 1 risk-based capital ratio | 18.2864% | 1,738 |
| Total risk-based capital ratio | 19.5381% | 1,705 |
| Memoranda: | ||
| Average total assets | $243,926,500 | 2,519 |
| Average earning assets | $236,479,250 | 2,445 |
| Average equity | $26,166,750 | 2,627 |
| Average total loans | $178,422,750 | 2,360 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 3,031 |
| Cost of funding earning assets | 0.8171% | 2,564 |
| Net interest margin | 3.6780% | 2,995 |
| Noninterest income to average assets | 0.2642% | 4,173 |
| Noninterest expense to average assets | 2.1264% | 4,364 |
| Loan and lease loss provision to assets | 0.0494% | 2,834 |
| Net operating income to assets | 1.6557% | 797 |
| Return on assets (ROA) | 1.6557% | 830 |
| Pretax return on assets | 1.6557% | 1,379 |
| Return on Equity (ROE) | 15.6560% | 652 |
| Retained earnings to average equity (ytd only) | 7.0810% | 1,768 |
| Net charge-offs to loans | 0.0125% | 2,691 |
| Credit loss provision to net charge-offs | 545.4545% | 565 |
| Earnings coverage of net charge-offs (x) | 188.3636% | 413 |
| Efficiency ratio | 55.4983% | 4,306 |
| Assets per employee ($millions) | 6.3055% | 1,333 |
| Cash dividends to net income (ytd only)* | 54.7714% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 3,121 |
| Loan loss allowance to noncurrent loans | 117.7381% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 1,959 |
| Noncurrent loans to loans | 0.9265% | 1,764 |
| Net loans and leases to total assets | 71.1049% | 2,363 |
| Net loans and leases to deposits | 85.6234% | 2,299 |
| Net loans and leases to core deposits | 96.0362% | 2,066 |
| Total domestic deposits to total assets | 83.0437% | 3,181 |
| Equity capital to assets | 10.6415% | 3,395 |
| Core capital (leverage) ratio | 10.5484% | 3,038 |
| Tier 1 risk-based capital ratio | 18.0126% | 1,804 |
| Total risk-based capital ratio | 19.2640% | 1,758 |
| Memoranda: | ||
| Average total assets | $243,034,670 | 2,536 |
| Average earning assets | $235,725,670 | 2,458 |
| Average equity | $25,702,670 | 2,660 |
| Average total loans | $176,600,000 | 2,387 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 2,841 |
| Cost of funding earning assets | 0.7953% | 2,562 |
| Net interest margin | 3.7118% | 2,849 |
| Noninterest income to average assets | 0.2785% | 4,019 |
| Noninterest expense to average assets | 2.1892% | 4,278 |
| Loan and lease loss provision to assets | 0.0503% | 2,649 |
| Net operating income to assets | 1.6406% | 824 |
| Return on assets (ROA) | 1.6406% | 851 |
| Pretax return on assets | 1.6406% | 1,369 |
| Return on Equity (ROE) | 15.5646% | 654 |
| Retained earnings to average equity (ytd only) | 6.6523% | 2,178 |
| Net charge-offs to loans | 0.0275% | 1,905 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 738 |
| Efficiency ratio | 56.4202% | 4,276 |
| Assets per employee ($millions) | 5.6578% | 1,834 |
| Cash dividends to net income (ytd only)* | 57.2597% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,034 |
| Loan loss allowance to noncurrent loans | 134.2759% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 2,169 |
| Noncurrent loans to loans | 0.8316% | 1,978 |
| Net loans and leases to total assets | 72.5555% | 2,067 |
| Net loans and leases to deposits | 88.0202% | 1,869 |
| Net loans and leases to core deposits | 98.9906% | 1,707 |
| Total domestic deposits to total assets | 82.4306% | 3,608 |
| Equity capital to assets | 10.7369% | 3,121 |
| Core capital (leverage) ratio | 10.5890% | 2,956 |
| Tier 1 risk-based capital ratio | 18.8477% | 1,576 |
| Total risk-based capital ratio | 20.1000% | 1,540 |
| Memoranda: | ||
| Average total assets | $238,442,500 | 2,590 |
| Average earning assets | $231,369,000 | 2,514 |
| Average equity | $25,134,000 | 2,702 |
| Average total loans | $174,241,000 | 2,431 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 2,815 |
| Cost of funding earning assets | 0.7103% | 2,029 |
| Net interest margin | 3.6742% | 3,142 |
| Noninterest income to average assets | 0.3316% | 3,889 |
| Noninterest expense to average assets | 2.2378% | 4,252 |
| Loan and lease loss provision to assets | 0.0838% | 2,458 |
| Net operating income to assets | 1.5648% | 959 |
| Return on assets (ROA) | 1.5648% | 952 |
| Pretax return on assets | 1.5648% | 1,571 |
| Return on Equity (ROE) | 15.2152% | 775 |
| Retained earnings to average equity (ytd only) | 6.4987% | 1,924 |
| Net charge-offs to loans | 0.0904% | 1,873 |
| Credit loss provision to net charge-offs | 125.8065% | 2,091 |
| Earnings coverage of net charge-offs (x) | 24.7613% | 1,798 |
| Efficiency ratio | 57.5818% | 4,204 |
| Assets per employee ($millions) | 5.9814% | 1,530 |
| Cash dividends to net income (ytd only)* | 57.2879% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,044 |
| Loan loss allowance to noncurrent loans | 98.9231% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 1,670 |
| Noncurrent loans to loans | 1.1199% | 1,444 |
| Net loans and leases to total assets | 71.9702% | 2,260 |
| Net loans and leases to deposits | 87.7224% | 2,078 |
| Net loans and leases to core deposits | 97.4312% | 1,918 |
| Total domestic deposits to total assets | 82.0431% | 3,632 |
| Equity capital to assets | 10.3462% | 3,330 |
| Core capital (leverage) ratio | 10.6856% | 2,849 |
| Tier 1 risk-based capital ratio | 18.7988% | 1,549 |
| Total risk-based capital ratio | 20.0515% | 1,513 |
| Memoranda: | ||
| Average total assets | $232,812,800 | 2,599 |
| Average earning assets | $225,244,400 | 2,524 |
| Average equity | $23,943,200 | 2,736 |
| Average total loans | $171,526,000 | 2,427 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 2,658 |
| Cost of funding earning assets | 0.6926% | 1,882 |
| Net interest margin | 3.6983% | 3,029 |
| Noninterest income to average assets | 0.3408% | 3,866 |
| Noninterest expense to average assets | 2.1372% | 4,465 |
| Loan and lease loss provision to assets | 0.0865% | 2,243 |
| Net operating income to assets | 1.6920% | 763 |
| Return on assets (ROA) | 1.6920% | 762 |
| Pretax return on assets | 1.6920% | 1,298 |
| Return on Equity (ROE) | 16.4777% | 619 |
| Retained earnings to average equity (ytd only) | 7.6436% | 1,825 |
| Net charge-offs to loans | 0.0460% | 2,174 |
| Credit loss provision to net charge-offs | 254.2373% | 1,163 |
| Earnings coverage of net charge-offs (x) | 52.2743% | 1,146 |
| Efficiency ratio | 54.5803% | 4,552 |
| Assets per employee ($millions) | 5.8188% | 1,630 |
| Cash dividends to net income (ytd only)* | 53.6128% | 1,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,900 |
| Loan loss allowance to noncurrent loans | 68.8456% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.2673% | 1,087 |
| Noncurrent loans to loans | 1.6712% | 929 |
| Net loans and leases to total assets | 74.9599% | 1,821 |
| Net loans and leases to deposits | 92.1330% | 1,605 |
| Net loans and leases to core deposits | 104.0174% | 1,451 |
| Total domestic deposits to total assets | 81.3605% | 3,776 |
| Equity capital to assets | 10.6847% | 2,951 |
| Core capital (leverage) ratio | 10.5514% | 3,037 |
| Tier 1 risk-based capital ratio | 18.8781% | 1,564 |
| Total risk-based capital ratio | 20.1314% | 1,534 |
| Memoranda: | ||
| Average total assets | $231,202,000 | 2,613 |
| Average earning assets | $223,487,000 | 2,546 |
| Average equity | $23,740,500 | 2,763 |
| Average total loans | $170,877,000 | 2,447 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 2,657 |
| Cost of funding earning assets | 0.6597% | 1,871 |
| Net interest margin | 3.6719% | 3,035 |
| Noninterest income to average assets | 0.3319% | 3,964 |
| Noninterest expense to average assets | 2.0969% | 4,613 |
| Loan and lease loss provision to assets | 0.1032% | 1,886 |
| Net operating income to assets | 1.6825% | 749 |
| Return on assets (ROA) | 1.6825% | 757 |
| Pretax return on assets | 1.6825% | 1,261 |
| Return on Equity (ROE) | 16.6047% | 574 |
| Retained earnings to average equity (ytd only) | 7.7890% | 1,710 |
| Net charge-offs to loans | 0.0094% | 2,805 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 259.6250% | 346 |
| Efficiency ratio | 54.0080% | 4,692 |
| Assets per employee ($millions) | 5.8765% | 1,568 |
| Cash dividends to net income (ytd only)* | 53.0915% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,847 |
| Loan loss allowance to noncurrent loans | 160.2082% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5184% | 2,683 |
| Noncurrent loans to loans | 0.7345% | 2,273 |
| Net loans and leases to total assets | 69.7466% | 2,617 |
| Net loans and leases to deposits | 84.4240% | 2,487 |
| Net loans and leases to core deposits | 94.1629% | 2,207 |
| Total domestic deposits to total assets | 82.6146% | 3,519 |
| Equity capital to assets | 9.9237% | 3,699 |
| Core capital (leverage) ratio | 10.4128% | 3,126 |
| Tier 1 risk-based capital ratio | 19.1449% | 1,516 |
| Total risk-based capital ratio | 20.3987% | 1,477 |
| Memoranda: | ||
| Average total assets | $232,625,330 | 2,614 |
| Average earning assets | $224,952,330 | 2,553 |
| Average equity | $23,571,670 | 2,790 |
| Average total loans | $170,473,330 | 2,459 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 2,089 |
| Cost of funding earning assets | 0.6320% | 1,828 |
| Net interest margin | 3.7990% | 2,429 |
| Noninterest income to average assets | 0.3344% | 3,918 |
| Noninterest expense to average assets | 2.0817% | 4,696 |
| Loan and lease loss provision to assets | 0.1050% | 1,767 |
| Net operating income to assets | 1.8208% | 541 |
| Return on assets (ROA) | 1.8208% | 545 |
| Pretax return on assets | 1.8208% | 874 |
| Return on Equity (ROE) | 17.7759% | 436 |
| Retained earnings to average equity (ytd only) | 9.1443% | 1,414 |
| Net charge-offs to loans | -0.0141% | 4,393 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9441% | 4,966 |
| Assets per employee ($millions) | 5.6650% | 1,793 |
| Cash dividends to net income (ytd only)* | 48.5577% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 3,110 |
| Loan loss allowance to noncurrent loans | 195.1098% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 3,001 |
| Noncurrent loans to loans | 0.5878% | 2,779 |
| Net loans and leases to total assets | 74.3632% | 1,802 |
| Net loans and leases to deposits | 91.7125% | 1,484 |
| Net loans and leases to core deposits | 102.1255% | 1,517 |
| Total domestic deposits to total assets | 81.0830% | 4,177 |
| Equity capital to assets | 10.3989% | 3,171 |
| Core capital (leverage) ratio | 10.5473% | 2,895 |
| Tier 1 risk-based capital ratio | 18.7279% | 1,625 |
| Total risk-based capital ratio | 19.9814% | 1,582 |
| Memoranda: | ||
| Average total assets | $228,469,000 | 2,673 |
| Average earning assets | $220,902,500 | 2,604 |
| Average equity | $23,402,500 | 2,825 |
| Average total loans | $170,686,500 | 2,466 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 2,438 |
| Cost of funding earning assets | 0.5841% | 1,717 |
| Net interest margin | 3.6842% | 2,860 |
| Noninterest income to average assets | 0.3098% | 4,243 |
| Noninterest expense to average assets | 2.1372% | 4,682 |
| Loan and lease loss provision to assets | 0.1062% | 2,110 |
| Net operating income to assets | 1.6309% | 613 |
| Return on assets (ROA) | 1.6309% | 633 |
| Pretax return on assets | 1.6309% | 1,218 |
| Return on Equity (ROE) | 16.2449% | 451 |
| Retained earnings to average equity (ytd only) | 6.5200% | 1,270 |
| Net charge-offs to loans | 0.0592% | 2,621 |
| Credit loss provision to net charge-offs | 240.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 39.2500% | 1,279 |
| Efficiency ratio | 55.1634% | 4,847 |
| Assets per employee ($millions) | 5.7585% | 1,702 |
| Cash dividends to net income (ytd only)* | 59.8643% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 3,329 |
| Loan loss allowance to noncurrent loans | 134.9286% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 2,363 |
| Noncurrent loans to loans | 0.8191% | 2,168 |
| Net loans and leases to total assets | 73.3800% | 2,028 |
| Net loans and leases to deposits | 90.5105% | 1,708 |
| Net loans and leases to core deposits | 99.4581% | 1,755 |
| Total domestic deposits to total assets | 81.0735% | 4,105 |
| Equity capital to assets | 10.0900% | 3,605 |
| Core capital (leverage) ratio | 10.3402% | 3,026 |
| Tier 1 risk-based capital ratio | 18.1603% | 1,763 |
| Total risk-based capital ratio | 19.4127% | 1,710 |
| Memoranda: | ||
| Average total assets | $225,946,000 | 2,674 |
| Average earning assets | $218,610,000 | 2,592 |
| Average equity | $22,684,000 | 2,886 |
| Average total loans | $168,835,600 | 2,431 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 2,329 |
| Cost of funding earning assets | 0.5751% | 1,711 |
| Net interest margin | 3.7022% | 2,755 |
| Noninterest income to average assets | 0.3149% | 4,284 |
| Noninterest expense to average assets | 2.0179% | 4,916 |
| Loan and lease loss provision to assets | 0.1067% | 1,990 |
| Net operating income to assets | 1.7706% | 496 |
| Return on assets (ROA) | 1.7706% | 512 |
| Pretax return on assets | 1.7706% | 957 |
| Return on Equity (ROE) | 17.6592% | 361 |
| Retained earnings to average equity (ytd only) | 8.0253% | 1,210 |
| Net charge-offs to loans | 0.0285% | 2,866 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 87.9423% | 757 |
| Efficiency ratio | 51.8039% | 5,117 |
| Assets per employee ($millions) | 5.5308% | 1,898 |
| Cash dividends to net income (ytd only)* | 54.5547% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,422 |
| Loan loss allowance to noncurrent loans | 153.1553% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 2,705 |
| Noncurrent loans to loans | 0.7268% | 2,539 |
| Net loans and leases to total assets | 76.0103% | 1,591 |
| Net loans and leases to deposits | 94.0887% | 1,297 |
| Net loans and leases to core deposits | 103.9925% | 1,391 |
| Total domestic deposits to total assets | 80.7858% | 4,107 |
| Equity capital to assets | 10.5509% | 3,311 |
| Core capital (leverage) ratio | 10.2076% | 3,304 |
| Tier 1 risk-based capital ratio | 17.9961% | 1,853 |
| Total risk-based capital ratio | 19.2485% | 1,808 |
| Memoranda: | ||
| Average total assets | $224,848,000 | 2,705 |
| Average earning assets | $217,449,000 | 2,624 |
| Average equity | $22,544,750 | 2,921 |
| Average total loans | $168,316,750 | 2,457 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2128% | 2,423 |
| Cost of funding earning assets | 0.5551% | 1,744 |
| Net interest margin | 3.6577% | 2,804 |
| Noninterest income to average assets | 0.3035% | 4,367 |
| Noninterest expense to average assets | 1.9951% | 4,988 |
| Loan and lease loss provision to assets | 0.1062% | 1,915 |
| Net operating income to assets | 1.7412% | 514 |
| Return on assets (ROA) | 1.7412% | 521 |
| Pretax return on assets | 1.7412% | 963 |
| Return on Equity (ROE) | 17.6669% | 360 |
| Retained earnings to average equity (ytd only) | 7.9806% | 1,175 |
| Net charge-offs to loans | 0.0238% | 2,745 |
| Credit loss provision to net charge-offs | 600.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 104.4000% | 634 |
| Efficiency ratio | 51.9226% | 5,181 |
| Assets per employee ($millions) | 6.0323% | 1,438 |
| Cash dividends to net income (ytd only)* | 54.8272% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 3,701 |
| Loan loss allowance to noncurrent loans | 167.4819% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 3,088 |
| Noncurrent loans to loans | 0.6437% | 2,803 |
| Net loans and leases to total assets | 74.0154% | 1,863 |
| Net loans and leases to deposits | 90.3901% | 1,680 |
| Net loans and leases to core deposits | 99.5231% | 1,683 |
| Total domestic deposits to total assets | 81.8844% | 3,920 |
| Equity capital to assets | 9.9909% | 3,918 |
| Core capital (leverage) ratio | 10.1089% | 3,395 |
| Tier 1 risk-based capital ratio | 17.5460% | 1,992 |
| Total risk-based capital ratio | 18.7980% | 1,943 |
| Memoranda: | ||
| Average total assets | $226,053,330 | 2,713 |
| Average earning assets | $218,715,000 | 2,621 |
| Average equity | $22,279,000 | 2,944 |
| Average total loans | $167,738,330 | 2,467 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,303 |
| Cost of funding earning assets | 0.5492% | 1,720 |
| Net interest margin | 3.6419% | 2,729 |
| Noninterest income to average assets | 0.3225% | 4,241 |
| Noninterest expense to average assets | 2.0279% | 4,986 |
| Loan and lease loss provision to assets | 0.1069% | 1,786 |
| Net operating income to assets | 1.7089% | 539 |
| Return on assets (ROA) | 1.7089% | 548 |
| Pretax return on assets | 1.7089% | 984 |
| Return on Equity (ROE) | 17.4622% | 376 |
| Retained earnings to average equity (ytd only) | 8.3578% | 1,320 |
| Net charge-offs to loans | 0.0482% | 1,888 |
| Credit loss provision to net charge-offs | 300.0000% | 777 |
| Earnings coverage of net charge-offs (x) | 50.9500% | 887 |
| Efficiency ratio | 52.7585% | 5,228 |
| Assets per employee ($millions) | 5.6890% | 1,735 |
| Cash dividends to net income (ytd only)* | 52.1376% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 3,913 |
| Loan loss allowance to noncurrent loans | 165.4949% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.5084% | 3,187 |
| Noncurrent loans to loans | 0.6424% | 2,896 |
| Net loans and leases to total assets | 75.0414% | 1,569 |
| Net loans and leases to deposits | 90.9704% | 1,429 |
| Net loans and leases to core deposits | 106.6838% | 1,051 |
| Total domestic deposits to total assets | 82.4898% | 4,020 |
| Equity capital to assets | 10.0189% | 3,730 |
| Core capital (leverage) ratio | 9.8780% | 3,652 |
| Tier 1 risk-based capital ratio | 17.3067% | 2,095 |
| Total risk-based capital ratio | 18.5578% | 2,038 |
| Memoranda: | ||
| Average total assets | $224,466,000 | 2,753 |
| Average earning assets | $217,031,500 | 2,669 |
| Average equity | $21,967,500 | 2,987 |
| Average total loans | $165,851,000 | 2,505 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 2,425 |
| Cost of funding earning assets | 0.5795% | 1,489 |
| Net interest margin | 3.6395% | 2,928 |
| Noninterest income to average assets | 0.2881% | 4,676 |
| Noninterest expense to average assets | 2.1626% | 4,858 |
| Loan and lease loss provision to assets | 0.1030% | 2,325 |
| Net operating income to assets | 1.5461% | 769 |
| Return on assets (ROA) | 1.5461% | 789 |
| Pretax return on assets | 1.5461% | 1,443 |
| Return on Equity (ROE) | 15.7589% | 530 |
| Retained earnings to average equity (ytd only) | 6.6891% | 1,362 |
| Net charge-offs to loans | 0.1658% | 1,632 |
| Credit loss provision to net charge-offs | 84.2697% | 2,906 |
| Earnings coverage of net charge-offs (x) | 13.4869% | 2,367 |
| Efficiency ratio | 56.7344% | 4,983 |
| Assets per employee ($millions) | 5.8221% | 1,603 |
| Cash dividends to net income (ytd only)* | 57.5533% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 3,889 |
| Loan loss allowance to noncurrent loans | 123.9546% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 2,697 |
| Noncurrent loans to loans | 0.8634% | 2,372 |
| Net loans and leases to total assets | 71.2007% | 2,304 |
| Net loans and leases to deposits | 86.0257% | 2,164 |
| Net loans and leases to core deposits | 101.3987% | 1,494 |
| Total domestic deposits to total assets | 82.7667% | 3,838 |
| Equity capital to assets | 9.5595% | 4,209 |
| Core capital (leverage) ratio | 9.8172% | 3,716 |
| Tier 1 risk-based capital ratio | 17.7538% | 1,920 |
| Total risk-based capital ratio | 19.0053% | 1,880 |
| Memoranda: | ||
| Average total assets | $218,349,600 | 2,776 |
| Average earning assets | $211,400,000 | 2,687 |
| Average equity | $21,422,800 | 3,028 |
| Average total loans | $161,077,000 | 2,507 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2623% | 2,290 |
| Cost of funding earning assets | 0.5886% | 1,424 |
| Net interest margin | 3.6737% | 2,815 |
| Noninterest income to average assets | 0.2812% | 4,755 |
| Noninterest expense to average assets | 2.0859% | 5,030 |
| Loan and lease loss provision to assets | 0.1018% | 2,212 |
| Net operating income to assets | 1.6505% | 659 |
| Return on assets (ROA) | 1.6505% | 693 |
| Pretax return on assets | 1.6505% | 1,245 |
| Return on Equity (ROE) | 16.7100% | 471 |
| Retained earnings to average equity (ytd only) | 7.7805% | 1,264 |
| Net charge-offs to loans | 0.2019% | 1,158 |
| Credit loss provision to net charge-offs | 67.9012% | 2,826 |
| Earnings coverage of net charge-offs (x) | 11.6914% | 2,461 |
| Efficiency ratio | 54.3468% | 5,216 |
| Assets per employee ($millions) | 5.5399% | 1,816 |
| Cash dividends to net income (ytd only)* | 53.4380% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 4,089 |
| Loan loss allowance to noncurrent loans | 127.6453% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6711% | 2,897 |
| Noncurrent loans to loans | 0.8276% | 2,609 |
| Net loans and leases to total assets | 74.2560% | 1,824 |
| Net loans and leases to deposits | 90.7926% | 1,660 |
| Net loans and leases to core deposits | 108.4951% | 1,016 |
| Total domestic deposits to total assets | 81.7864% | 4,010 |
| Equity capital to assets | 10.2278% | 3,883 |
| Core capital (leverage) ratio | 9.7955% | 3,812 |
| Tier 1 risk-based capital ratio | 17.5024% | 2,079 |
| Total risk-based capital ratio | 18.7536% | 2,041 |
| Memoranda: | ||
| Average total assets | $216,171,750 | 2,805 |
| Average earning assets | $209,301,250 | 2,711 |
| Average equity | $21,352,000 | 3,057 |
| Average total loans | $160,491,750 | 2,516 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2335% | 2,390 |
| Cost of funding earning assets | 0.5909% | 1,392 |
| Net interest margin | 3.6426% | 2,928 |
| Noninterest income to average assets | 0.2350% | 5,078 |
| Noninterest expense to average assets | 2.0369% | 5,197 |
| Loan and lease loss provision to assets | 0.1110% | 2,022 |
| Net operating income to assets | 1.6169% | 691 |
| Return on assets (ROA) | 1.6169% | 739 |
| Pretax return on assets | 1.6169% | 1,317 |
| Return on Equity (ROE) | 16.5661% | 479 |
| Retained earnings to average equity (ytd only) | 7.6576% | 1,309 |
| Net charge-offs to loans | 0.1451% | 1,455 |
| Credit loss provision to net charge-offs | 103.4483% | 2,043 |
| Earnings coverage of net charge-offs (x) | 16.1034% | 1,950 |
| Efficiency ratio | 54.1032% | 5,299 |
| Assets per employee ($millions) | 5.8678% | 1,497 |
| Cash dividends to net income (ytd only)* | 53.7757% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 3,889 |
| Loan loss allowance to noncurrent loans | 310.0173% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 4,288 |
| Noncurrent loans to loans | 0.3584% | 4,084 |
| Net loans and leases to total assets | 71.6566% | 2,224 |
| Net loans and leases to deposits | 87.6619% | 2,043 |
| Net loans and leases to core deposits | 96.8363% | 1,905 |
| Total domestic deposits to total assets | 81.7420% | 4,078 |
| Equity capital to assets | 9.7863% | 4,465 |
| Core capital (leverage) ratio | 9.7263% | 3,897 |
| Tier 1 risk-based capital ratio | 17.3306% | 2,125 |
| Total risk-based capital ratio | 18.5830% | 2,084 |
| Memoranda: | ||
| Average total assets | $216,209,670 | 2,812 |
| Average earning assets | $209,520,330 | 2,713 |
| Average equity | $21,103,330 | 3,085 |
| Average total loans | $159,939,330 | 2,531 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 2,232 |
| Cost of funding earning assets | 0.6013% | 1,326 |
| Net interest margin | 3.6697% | 2,802 |
| Noninterest income to average assets | 0.2161% | 5,191 |
| Noninterest expense to average assets | 2.0279% | 5,272 |
| Loan and lease loss provision to assets | 0.1128% | 1,854 |
| Net operating income to assets | 1.6314% | 663 |
| Return on assets (ROA) | 1.6314% | 703 |
| Pretax return on assets | 1.6314% | 1,223 |
| Return on Equity (ROE) | 16.7370% | 463 |
| Retained earnings to average equity (ytd only) | 8.0600% | 1,433 |
| Net charge-offs to loans | 0.2438% | 841 |
| Credit loss provision to net charge-offs | 61.8557% | 1,963 |
| Earnings coverage of net charge-offs (x) | 9.5670% | 1,981 |
| Efficiency ratio | 53.7618% | 5,403 |
| Assets per employee ($millions) | 5.6179% | 1,728 |
| Cash dividends to net income (ytd only)* | 51.8433% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 4,072 |
| Loan loss allowance to noncurrent loans | 336.0153% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 4,238 |
| Noncurrent loans to loans | 0.3263% | 4,266 |
| Net loans and leases to total assets | 74.1084% | 1,709 |
| Net loans and leases to deposits | 91.4286% | 1,415 |
| Net loans and leases to core deposits | 110.4380% | 833 |
| Total domestic deposits to total assets | 81.0560% | 4,481 |
| Equity capital to assets | 9.8673% | 4,257 |
| Core capital (leverage) ratio | 9.8008% | 3,777 |
| Tier 1 risk-based capital ratio | 16.8819% | 2,332 |
| Total risk-based capital ratio | 18.1340% | 2,275 |
| Memoranda: | ||
| Average total assets | $212,826,500 | 2,860 |
| Average earning assets | $206,231,500 | 2,758 |
| Average equity | $20,744,500 | 3,126 |
| Average total loans | $159,123,000 | 2,539 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 2,335 |
| Cost of funding earning assets | 0.6135% | 1,289 |
| Net interest margin | 3.6521% | 2,931 |
| Noninterest income to average assets | 0.2706% | 4,933 |
| Noninterest expense to average assets | 2.1499% | 5,150 |
| Loan and lease loss provision to assets | 0.1144% | 2,094 |
| Net operating income to assets | 1.5519% | 783 |
| Return on assets (ROA) | 1.5519% | 804 |
| Pretax return on assets | 1.5519% | 1,400 |
| Return on Equity (ROE) | 16.3777% | 517 |
| Retained earnings to average equity (ytd only) | 6.5018% | 1,543 |
| Net charge-offs to loans | 0.2021% | 1,445 |
| Credit loss provision to net charge-offs | 76.6773% | 3,012 |
| Earnings coverage of net charge-offs (x) | 11.1725% | 2,610 |
| Efficiency ratio | 56.3366% | 5,314 |
| Assets per employee ($millions) | 5.5834% | 1,708 |
| Cash dividends to net income (ytd only)* | 60.3009% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 3,858 |
| Loan loss allowance to noncurrent loans | 216.0434% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 3,617 |
| Noncurrent loans to loans | 0.5237% | 3,596 |
| Net loans and leases to total assets | 73.7580% | 1,767 |
| Net loans and leases to deposits | 90.4427% | 1,560 |
| Net loans and leases to core deposits | 101.0375% | 1,440 |
| Total domestic deposits to total assets | 81.5521% | 4,319 |
| Equity capital to assets | 9.6262% | 4,402 |
| Core capital (leverage) ratio | 9.6557% | 3,967 |
| Tier 1 risk-based capital ratio | 16.9956% | 2,283 |
| Total risk-based capital ratio | 18.2486% | 2,231 |
| Memoranda: | ||
| Average total assets | $209,867,800 | 2,856 |
| Average earning assets | $203,744,800 | 2,740 |
| Average equity | $19,886,800 | 3,183 |
| Average total loans | $154,839,400 | 2,530 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 2,389 |
| Cost of funding earning assets | 0.6169% | 1,301 |
| Net interest margin | 3.6365% | 3,010 |
| Noninterest income to average assets | 0.2606% | 5,078 |
| Noninterest expense to average assets | 2.0150% | 5,455 |
| Loan and lease loss provision to assets | 0.1147% | 1,971 |
| Net operating income to assets | 1.6608% | 675 |
| Return on assets (ROA) | 1.6608% | 696 |
| Pretax return on assets | 1.6608% | 1,210 |
| Return on Equity (ROE) | 17.5973% | 430 |
| Retained earnings to average equity (ytd only) | 7.7828% | 1,340 |
| Net charge-offs to loans | 0.2321% | 1,137 |
| Credit loss provision to net charge-offs | 67.1642% | 2,816 |
| Earnings coverage of net charge-offs (x) | 10.3994% | 2,602 |
| Efficiency ratio | 53.1597% | 5,574 |
| Assets per employee ($millions) | 6.3009% | 1,179 |
| Cash dividends to net income (ytd only)* | 55.7730% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 4,029 |
| Loan loss allowance to noncurrent loans | 138.5335% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 3,021 |
| Noncurrent loans to loans | 0.8192% | 2,919 |
| Net loans and leases to total assets | 74.4059% | 1,656 |
| Net loans and leases to deposits | 92.1525% | 1,387 |
| Net loans and leases to core deposits | 111.7877% | 775 |
| Total domestic deposits to total assets | 80.7422% | 4,533 |
| Equity capital to assets | 9.7604% | 4,431 |
| Core capital (leverage) ratio | 9.5840% | 4,191 |
| Tier 1 risk-based capital ratio | 17.1218% | 2,326 |
| Total risk-based capital ratio | 18.3750% | 2,271 |
| Memoranda: | ||
| Average total assets | $209,292,000 | 2,881 |
| Average earning assets | $203,159,500 | 2,766 |
| Average equity | $19,752,500 | 3,228 |
| Average total loans | $153,978,250 | 2,558 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2071% | 2,521 |
| Cost of funding earning assets | 0.6171% | 1,303 |
| Net interest margin | 3.5900% | 3,128 |
| Noninterest income to average assets | 0.2594% | 5,098 |
| Noninterest expense to average assets | 1.9824% | 5,557 |
| Loan and lease loss provision to assets | 0.1144% | 1,926 |
| Net operating income to assets | 1.6515% | 684 |
| Return on assets (ROA) | 1.6515% | 711 |
| Pretax return on assets | 1.6515% | 1,188 |
| Return on Equity (ROE) | 17.6991% | 429 |
| Retained earnings to average equity (ytd only) | 8.2671% | 1,161 |
| Net charge-offs to loans | 0.2481% | 1,046 |
| Credit loss provision to net charge-offs | 63.1579% | 2,560 |
| Earnings coverage of net charge-offs (x) | 9.7474% | 2,422 |
| Efficiency ratio | 52.8873% | 5,657 |
| Assets per employee ($millions) | 6.2854% | 1,164 |
| Cash dividends to net income (ytd only)* | 53.2910% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 4,097 |
| Loan loss allowance to noncurrent loans | 152.0339% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 3,409 |
| Noncurrent loans to loans | 0.7542% | 3,227 |
| Net loans and leases to total assets | 72.3767% | 1,920 |
| Net loans and leases to deposits | 88.5860% | 1,763 |
| Net loans and leases to core deposits | 99.9994% | 1,492 |
| Total domestic deposits to total assets | 81.7023% | 4,386 |
| Equity capital to assets | 9.2516% | 4,954 |
| Core capital (leverage) ratio | 9.4371% | 4,368 |
| Tier 1 risk-based capital ratio | 16.9174% | 2,437 |
| Total risk-based capital ratio | 18.1703% | 2,390 |
| Memoranda: | ||
| Average total assets | $209,745,670 | 2,891 |
| Average earning assets | $203,844,670 | 2,773 |
| Average equity | $19,571,670 | 3,268 |
| Average total loans | $153,141,330 | 2,579 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2039% | 2,443 |
| Cost of funding earning assets | 0.6198% | 1,306 |
| Net interest margin | 3.5841% | 3,064 |
| Noninterest income to average assets | 0.2541% | 5,142 |
| Noninterest expense to average assets | 1.9830% | 5,613 |
| Loan and lease loss provision to assets | 0.1155% | 1,789 |
| Net operating income to assets | 1.6403% | 664 |
| Return on assets (ROA) | 1.6403% | 696 |
| Pretax return on assets | 1.6403% | 1,174 |
| Return on Equity (ROE) | 17.5021% | 431 |
| Retained earnings to average equity (ytd only) | 8.4634% | 1,389 |
| Net charge-offs to loans | 0.4436% | 561 |
| Credit loss provision to net charge-offs | 35.7143% | 2,220 |
| Earnings coverage of net charge-offs (x) | 5.4286% | 2,390 |
| Efficiency ratio | 53.0381% | 5,748 |
| Assets per employee ($millions) | 6.1159% | 1,317 |
| Cash dividends to net income (ytd only)* | 51.6432% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 4,240 |
| Loan loss allowance to noncurrent loans | 169.3346% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 3,763 |
| Noncurrent loans to loans | 0.6816% | 3,575 |
| Net loans and leases to total assets | 72.3231% | 1,755 |
| Net loans and leases to deposits | 88.6556% | 1,543 |
| Net loans and leases to core deposits | 110.7543% | 714 |
| Total domestic deposits to total assets | 81.5776% | 4,648 |
| Equity capital to assets | 9.5219% | 4,722 |
| Core capital (leverage) ratio | 9.5337% | 4,220 |
| Tier 1 risk-based capital ratio | 16.9214% | 2,509 |
| Total risk-based capital ratio | 18.1742% | 2,462 |
| Memoranda: | ||
| Average total assets | $207,766,500 | 2,936 |
| Average earning assets | $202,005,000 | 2,813 |
| Average equity | $19,472,000 | 3,295 |
| Average total loans | $151,479,000 | 2,605 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,576 |
| Cost of funding earning assets | 0.7034% | 1,085 |
| Net interest margin | 3.6057% | 3,394 |
| Noninterest income to average assets | 0.2444% | 5,376 |
| Noninterest expense to average assets | 2.0717% | 5,634 |
| Loan and lease loss provision to assets | 0.1714% | 1,516 |
| Net operating income to assets | 1.5029% | 873 |
| Return on assets (ROA) | 1.5029% | 910 |
| Pretax return on assets | 1.5029% | 1,532 |
| Return on Equity (ROE) | 16.6657% | 533 |
| Retained earnings to average equity (ytd only) | 6.7930% | 1,499 |
| Net charge-offs to loans | 0.2044% | 2,029 |
| Credit loss provision to net charge-offs | 116.1616% | 2,058 |
| Earnings coverage of net charge-offs (x) | 11.3468% | 2,501 |
| Efficiency ratio | 55.3050% | 5,737 |
| Assets per employee ($millions) | 5.6106% | 1,682 |
| Cash dividends to net income (ytd only)* | 59.2397% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 3,787 |
| Loan loss allowance to noncurrent loans | 136.9581% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 3,515 |
| Noncurrent loans to loans | 0.9024% | 3,061 |
| Net loans and leases to total assets | 71.7507% | 1,948 |
| Net loans and leases to deposits | 88.9725% | 1,622 |
| Net loans and leases to core deposits | 103.9407% | 1,129 |
| Total domestic deposits to total assets | 80.6437% | 4,845 |
| Equity capital to assets | 9.2220% | 5,040 |
| Core capital (leverage) ratio | 9.2424% | 4,612 |
| Tier 1 risk-based capital ratio | 16.5840% | 2,680 |
| Total risk-based capital ratio | 17.8386% | 2,625 |
| Memoranda: | ||
| Average total assets | $201,283,800 | 2,972 |
| Average earning assets | $195,470,600 | 2,849 |
| Average equity | $18,151,000 | 3,383 |
| Average total loans | $145,274,200 | 2,638 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3265% | 2,517 |
| Cost of funding earning assets | 0.7175% | 1,060 |
| Net interest margin | 3.6089% | 3,391 |
| Noninterest income to average assets | 0.2390% | 5,493 |
| Noninterest expense to average assets | 1.9869% | 5,793 |
| Loan and lease loss provision to assets | 0.1903% | 1,275 |
| Net operating income to assets | 1.5643% | 820 |
| Return on assets (ROA) | 1.5643% | 854 |
| Pretax return on assets | 1.5643% | 1,445 |
| Return on Equity (ROE) | 17.4494% | 499 |
| Retained earnings to average equity (ytd only) | 7.8199% | 1,437 |
| Net charge-offs to loans | 0.1770% | 2,034 |
| Credit loss provision to net charge-offs | 149.2147% | 1,593 |
| Earnings coverage of net charge-offs (x) | 13.7592% | 2,197 |
| Efficiency ratio | 53.1049% | 5,913 |
| Assets per employee ($millions) | 5.5416% | 1,689 |
| Cash dividends to net income (ytd only)* | 55.1858% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 3,675 |
| Loan loss allowance to noncurrent loans | 105.5832% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9068% | 3,176 |
| Noncurrent loans to loans | 1.2255% | 2,599 |
| Net loans and leases to total assets | 73.0376% | 1,675 |
| Net loans and leases to deposits | 91.1364% | 1,307 |
| Net loans and leases to core deposits | 116.6384% | 481 |
| Total domestic deposits to total assets | 80.1410% | 5,069 |
| Equity capital to assets | 9.4012% | 4,917 |
| Core capital (leverage) ratio | 9.2217% | 4,750 |
| Tier 1 risk-based capital ratio | 16.6181% | 2,763 |
| Total risk-based capital ratio | 17.8734% | 2,714 |
| Memoranda: | ||
| Average total assets | $199,707,000 | 3,021 |
| Average earning assets | $193,810,250 | 2,894 |
| Average equity | $17,902,750 | 3,429 |
| Average total loans | $143,889,750 | 2,673 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2946% | 2,599 |
| Cost of funding earning assets | 0.7182% | 1,096 |
| Net interest margin | 3.5764% | 3,458 |
| Noninterest income to average assets | 0.2403% | 5,473 |
| Noninterest expense to average assets | 1.9762% | 5,867 |
| Loan and lease loss provision to assets | 0.2102% | 1,127 |
| Net operating income to assets | 1.5237% | 832 |
| Return on assets (ROA) | 1.5237% | 867 |
| Pretax return on assets | 1.5237% | 1,468 |
| Return on Equity (ROE) | 17.2771% | 525 |
| Retained earnings to average equity (ytd only) | 7.5375% | 1,508 |
| Net charge-offs to loans | 0.2664% | 1,484 |
| Credit loss provision to net charge-offs | 110.5263% | 1,817 |
| Earnings coverage of net charge-offs (x) | 9.1158% | 2,400 |
| Efficiency ratio | 53.2650% | 5,974 |
| Assets per employee ($millions) | 5.5955% | 1,610 |
| Cash dividends to net income (ytd only)* | 56.3732% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 3,986 |
| Loan loss allowance to noncurrent loans | 100.7684% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 3,316 |
| Noncurrent loans to loans | 1.2668% | 2,690 |
| Net loans and leases to total assets | 68.5841% | 2,312 |
| Net loans and leases to deposits | 84.5660% | 1,973 |
| Net loans and leases to core deposits | 99.3444% | 1,332 |
| Total domestic deposits to total assets | 81.1013% | 4,948 |
| Equity capital to assets | 8.8724% | 5,439 |
| Core capital (leverage) ratio | 9.1393% | 4,828 |
| Tier 1 risk-based capital ratio | 16.4603% | 2,848 |
| Total risk-based capital ratio | 17.7155% | 2,808 |
| Memoranda: | ||
| Average total assets | $199,777,330 | 3,040 |
| Average earning assets | $193,825,670 | 2,908 |
| Average equity | $17,618,670 | 3,460 |
| Average total loans | $142,647,330 | 2,692 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3810% | 2,216 |
| Cost of funding earning assets | 0.7358% | 1,043 |
| Net interest margin | 3.6452% | 3,080 |
| Noninterest income to average assets | 0.2447% | 5,401 |
| Noninterest expense to average assets | 2.0311% | 5,822 |
| Loan and lease loss provision to assets | 0.2141% | 1,073 |
| Net operating income to assets | 1.5356% | 757 |
| Return on assets (ROA) | 1.5356% | 792 |
| Pretax return on assets | 1.5356% | 1,323 |
| Return on Equity (ROE) | 17.4675% | 491 |
| Retained earnings to average equity (ytd only) | 7.2839% | 1,912 |
| Net charge-offs to loans | 0.1464% | 1,843 |
| Credit loss provision to net charge-offs | 201.9231% | 1,031 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,504 |
| Efficiency ratio | 53.7217% | 6,035 |
| Assets per employee ($millions) | 5.4345% | 1,768 |
| Cash dividends to net income (ytd only)* | 58.3001% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 3,985 |
| Loan loss allowance to noncurrent loans | 102.5796% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 3,368 |
| Noncurrent loans to loans | 1.2913% | 2,876 |
| Net loans and leases to total assets | 71.1628% | 1,702 |
| Net loans and leases to deposits | 87.7190% | 1,388 |
| Net loans and leases to core deposits | 112.2158% | 513 |
| Total domestic deposits to total assets | 81.1258% | 5,199 |
| Equity capital to assets | 9.0328% | 5,084 |
| Core capital (leverage) ratio | 9.1254% | 4,827 |
| Tier 1 risk-based capital ratio | 16.2977% | 3,010 |
| Total risk-based capital ratio | 17.5528% | 2,971 |
| Memoranda: | ||
| Average total assets | $196,148,500 | 3,100 |
| Average earning assets | $190,277,000 | 2,967 |
| Average equity | $17,243,500 | 3,514 |
| Average total loans | $142,056,500 | 2,701 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,831 |
| Cost of funding earning assets | 0.7988% | 1,215 |
| Net interest margin | 3.5350% | 3,741 |
| Noninterest income to average assets | 0.2490% | 5,565 |
| Noninterest expense to average assets | 2.0779% | 5,875 |
| Loan and lease loss provision to assets | 0.1299% | 2,690 |
| Net operating income to assets | 1.4683% | 879 |
| Return on assets (ROA) | 1.4797% | 902 |
| Pretax return on assets | 1.4797% | 1,507 |
| Return on Equity (ROE) | 16.9523% | 507 |
| Retained earnings to average equity (ytd only) | 7.1334% | 1,386 |
| Net charge-offs to loans | 0.1361% | 3,441 |
| Credit loss provision to net charge-offs | 138.8889% | 1,679 |
| Earnings coverage of net charge-offs (x) | 17.0833% | 1,743 |
| Efficiency ratio | 56.5248% | 5,891 |
| Assets per employee ($millions) | 5.4626% | 1,685 |
| Cash dividends to net income (ytd only)* | 57.9206% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 4,296 |
| Loan loss allowance to noncurrent loans | 98.0562% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 3,434 |
| Noncurrent loans to loans | 1.2949% | 2,969 |
| Net loans and leases to total assets | 71.8028% | 1,716 |
| Net loans and leases to deposits | 87.2954% | 1,541 |
| Net loans and leases to core deposits | 102.2425% | 1,008 |
| Total domestic deposits to total assets | 82.2526% | 4,785 |
| Equity capital to assets | 8.5506% | 5,529 |
| Core capital (leverage) ratio | 9.0117% | 4,980 |
| Tier 1 risk-based capital ratio | 15.7603% | 3,217 |
| Total risk-based capital ratio | 17.0145% | 3,176 |
| Memoranda: | ||
| Average total assets | $192,401,200 | 3,117 |
| Average earning assets | $186,537,000 | 3,006 |
| Average equity | $16,794,200 | 3,590 |
| Average total loans | $132,233,200 | 2,821 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 2,971 |
| Cost of funding earning assets | 0.8147% | 1,243 |
| Net interest margin | 3.4902% | 3,920 |
| Noninterest income to average assets | 0.2474% | 5,662 |
| Noninterest expense to average assets | 1.9609% | 6,080 |
| Loan and lease loss provision to assets | 0.1010% | 3,079 |
| Net operating income to assets | 1.5679% | 799 |
| Return on assets (ROA) | 1.5832% | 818 |
| Pretax return on assets | 1.5832% | 1,375 |
| Return on Equity (ROE) | 18.0431% | 438 |
| Retained earnings to average equity (ytd only) | 8.7516% | 1,139 |
| Net charge-offs to loans | 0.1215% | 3,332 |
| Credit loss provision to net charge-offs | 122.8814% | 1,911 |
| Earnings coverage of net charge-offs (x) | 20.2965% | 1,595 |
| Efficiency ratio | 54.0219% | 6,101 |
| Assets per employee ($millions) | 5.4929% | 1,629 |
| Cash dividends to net income (ytd only)* | 51.4964% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 4,472 |
| Loan loss allowance to noncurrent loans | 72.2494% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.2765% | 3,092 |
| Noncurrent loans to loans | 1.7786% | 2,527 |
| Net loans and leases to total assets | 70.8442% | 1,807 |
| Net loans and leases to deposits | 87.2008% | 1,469 |
| Net loans and leases to core deposits | 112.4460% | 493 |
| Total domestic deposits to total assets | 81.2427% | 5,156 |
| Equity capital to assets | 8.7443% | 5,474 |
| Core capital (leverage) ratio | 9.1428% | 4,904 |
| Tier 1 risk-based capital ratio | 15.9889% | 3,200 |
| Total risk-based capital ratio | 17.2492% | 3,151 |
| Memoranda: | ||
| Average total assets | $191,338,000 | 3,163 |
| Average earning assets | $185,431,250 | 3,039 |
| Average equity | $16,789,000 | 3,632 |
| Average total loans | $129,536,750 | 2,892 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 3,148 |
| Cost of funding earning assets | 0.8240% | 1,289 |
| Net interest margin | 3.4276% | 4,084 |
| Noninterest income to average assets | 0.2418% | 5,720 |
| Noninterest expense to average assets | 1.9368% | 6,157 |
| Loan and lease loss provision to assets | 0.0942% | 3,219 |
| Net operating income to assets | 1.5338% | 843 |
| Return on assets (ROA) | 1.5568% | 879 |
| Pretax return on assets | 1.5568% | 1,464 |
| Return on Equity (ROE) | 17.7217% | 484 |
| Retained earnings to average equity (ytd only) | 8.4259% | 1,323 |
| Net charge-offs to loans | 0.1531% | 2,875 |
| Credit loss provision to net charge-offs | 92.7835% | 2,378 |
| Earnings coverage of net charge-offs (x) | 16.0309% | 1,689 |
| Efficiency ratio | 54.3319% | 6,118 |
| Assets per employee ($millions) | 5.6595% | 1,449 |
| Cash dividends to net income (ytd only)* | 52.4546% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 4,345 |
| Loan loss allowance to noncurrent loans | 73.0365% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.2675% | 3,225 |
| Noncurrent loans to loans | 1.8262% | 2,600 |
| Net loans and leases to total assets | 66.8517% | 2,439 |
| Net loans and leases to deposits | 80.6563% | 2,226 |
| Net loans and leases to core deposits | 96.0336% | 1,354 |
| Total domestic deposits to total assets | 82.8846% | 4,747 |
| Equity capital to assets | 8.6003% | 5,668 |
| Core capital (leverage) ratio | 9.1664% | 4,738 |
| Tier 1 risk-based capital ratio | 16.1490% | 3,119 |
| Total risk-based capital ratio | 17.4041% | 3,063 |
| Memoranda: | ||
| Average total assets | $191,034,000 | 3,181 |
| Average earning assets | $185,204,330 | 3,048 |
| Average equity | $16,781,670 | 3,653 |
| Average total loans | $126,725,330 | 2,944 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 3,121 |
| Cost of funding earning assets | 0.8454% | 1,274 |
| Net interest margin | 3.4032% | 4,101 |
| Noninterest income to average assets | 0.2480% | 5,686 |
| Noninterest expense to average assets | 1.9208% | 6,248 |
| Loan and lease loss provision to assets | 0.0946% | 3,085 |
| Net operating income to assets | 1.5320% | 796 |
| Return on assets (ROA) | 1.5614% | 823 |
| Pretax return on assets | 1.5614% | 1,400 |
| Return on Equity (ROE) | 17.5879% | 464 |
| Retained earnings to average equity (ytd only) | 8.1193% | 1,706 |
| Net charge-offs to loans | 0.3139% | 1,710 |
| Credit loss provision to net charge-offs | 45.9184% | 2,664 |
| Earnings coverage of net charge-offs (x) | 7.8980% | 2,005 |
| Efficiency ratio | 54.1469% | 6,218 |
| Assets per employee ($millions) | 5.6509% | 1,539 |
| Cash dividends to net income (ytd only)* | 53.8358% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,480 |
| Loan loss allowance to noncurrent loans | 105.8125% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 4,152 |
| Noncurrent loans to loans | 1.2740% | 3,644 |
| Net loans and leases to total assets | 66.4384% | 2,294 |
| Net loans and leases to deposits | 79.9735% | 2,074 |
| Net loans and leases to core deposits | 105.4327% | 661 |
| Total domestic deposits to total assets | 83.0755% | 4,830 |
| Equity capital to assets | 9.0765% | 5,392 |
| Core capital (leverage) ratio | 8.9127% | 5,038 |
| Tier 1 risk-based capital ratio | 16.6453% | 2,928 |
| Total risk-based capital ratio | 17.9005% | 2,893 |
| Memoranda: | ||
| Average total assets | $190,339,500 | 3,218 |
| Average earning assets | $184,531,500 | 3,088 |
| Average equity | $16,898,000 | 3,686 |
| Average total loans | $124,899,500 | 2,993 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 2,780 |
| Cost of funding earning assets | 1.0252% | 1,229 |
| Net interest margin | 3.6283% | 3,974 |
| Noninterest income to average assets | 0.2538% | 5,650 |
| Noninterest expense to average assets | 2.1626% | 5,997 |
| Loan and lease loss provision to assets | 0.1514% | 3,721 |
| Net operating income to assets | 1.4414% | 1,021 |
| Return on assets (ROA) | 1.4414% | 1,146 |
| Pretax return on assets | 1.4414% | 1,887 |
| Return on Equity (ROE) | 15.9079% | 676 |
| Retained earnings to average equity (ytd only) | 6.4106% | 1,863 |
| Net charge-offs to loans | 0.0961% | 4,707 |
| Credit loss provision to net charge-offs | 233.0508% | 1,061 |
| Earnings coverage of net charge-offs (x) | 24.5169% | 1,170 |
| Efficiency ratio | 57.5869% | 5,887 |
| Assets per employee ($millions) | 5.3944% | 1,789 |
| Cash dividends to net income (ytd only)* | 59.7021% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 4,146 |
| Loan loss allowance to noncurrent loans | 117.1026% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.7755% | 4,521 |
| Noncurrent loans to loans | 1.2004% | 3,853 |
| Net loans and leases to total assets | 63.0619% | 3,044 |
| Net loans and leases to deposits | 75.7922% | 2,829 |
| Net loans and leases to core deposits | 90.1950% | 1,812 |
| Total domestic deposits to total assets | 83.2037% | 4,636 |
| Equity capital to assets | 8.6870% | 5,857 |
| Core capital (leverage) ratio | 8.8555% | 5,089 |
| Tier 1 risk-based capital ratio | 16.7126% | 2,786 |
| Total risk-based capital ratio | 17.9687% | 2,754 |
| Memoranda: | ||
| Average total assets | $181,630,200 | 3,292 |
| Average earning assets | $175,289,600 | 3,156 |
| Average equity | $16,457,200 | 3,711 |
| Average total loans | $122,850,000 | 3,024 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7738% | 2,490 |
| Cost of funding earning assets | 1.0681% | 1,204 |
| Net interest margin | 3.7057% | 3,774 |
| Noninterest income to average assets | 0.2637% | 5,672 |
| Noninterest expense to average assets | 2.1730% | 6,006 |
| Loan and lease loss provision to assets | 0.1718% | 3,411 |
| Net operating income to assets | 1.4903% | 1,033 |
| Return on assets (ROA) | 1.4903% | 1,152 |
| Pretax return on assets | 1.4903% | 1,919 |
| Return on Equity (ROE) | 16.2647% | 701 |
| Retained earnings to average equity (ytd only) | 7.1337% | 2,040 |
| Net charge-offs to loans | 0.0642% | 4,780 |
| Credit loss provision to net charge-offs | 389.8305% | 693 |
| Earnings coverage of net charge-offs (x) | 37.7141% | 923 |
| Efficiency ratio | 56.6615% | 5,973 |
| Assets per employee ($millions) | 5.2988% | 1,832 |
| Cash dividends to net income (ytd only)* | 56.1406% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 4,238 |
| Loan loss allowance to noncurrent loans | 108.9783% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 4,367 |
| Noncurrent loans to loans | 1.3131% | 3,847 |
| Net loans and leases to total assets | 67.2935% | 2,408 |
| Net loans and leases to deposits | 82.2117% | 2,091 |
| Net loans and leases to core deposits | 101.4315% | 1,026 |
| Total domestic deposits to total assets | 81.8539% | 5,069 |
| Equity capital to assets | 9.3806% | 5,365 |
| Core capital (leverage) ratio | 9.0416% | 4,996 |
| Tier 1 risk-based capital ratio | 16.9775% | 2,742 |
| Total risk-based capital ratio | 18.2352% | 2,698 |
| Memoranda: | ||
| Average total assets | $178,488,250 | 3,376 |
| Average earning assets | $172,016,750 | 3,234 |
| Average equity | $16,354,000 | 3,764 |
| Average total loans | $122,509,750 | 3,069 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8023% | 2,499 |
| Cost of funding earning assets | 1.0959% | 1,236 |
| Net interest margin | 3.7064% | 3,784 |
| Noninterest income to average assets | 0.2608% | 5,711 |
| Noninterest expense to average assets | 2.1525% | 6,116 |
| Loan and lease loss provision to assets | 0.1855% | 3,245 |
| Net operating income to assets | 1.4961% | 997 |
| Return on assets (ROA) | 1.4961% | 1,117 |
| Pretax return on assets | 1.4961% | 1,857 |
| Return on Equity (ROE) | 16.4605% | 699 |
| Retained earnings to average equity (ytd only) | 6.6906% | 2,278 |
| Net charge-offs to loans | 0.0311% | 4,945 |
| Credit loss provision to net charge-offs | 868.4211% | 376 |
| Earnings coverage of net charge-offs (x) | 78.7368% | 517 |
| Efficiency ratio | 56.1419% | 6,098 |
| Assets per employee ($millions) | 5.4038% | 1,703 |
| Cash dividends to net income (ytd only)* | 59.3539% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4153% | 4,403 |
| Loan loss allowance to noncurrent loans | 137.3713% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 4,845 |
| Noncurrent loans to loans | 1.0303% | 4,446 |
| Net loans and leases to total assets | 65.7793% | 2,715 |
| Net loans and leases to deposits | 79.4571% | 2,458 |
| Net loans and leases to core deposits | 95.8315% | 1,440 |
| Total domestic deposits to total assets | 82.7860% | 4,832 |
| Equity capital to assets | 8.9273% | 5,778 |
| Core capital (leverage) ratio | 8.8712% | 5,087 |
| Tier 1 risk-based capital ratio | 16.7308% | 2,796 |
| Total risk-based capital ratio | 17.9879% | 2,743 |
| Memoranda: | ||
| Average total assets | $177,931,000 | 3,390 |
| Average earning assets | $171,541,670 | 3,250 |
| Average equity | $16,172,000 | 3,778 |
| Average total loans | $122,347,670 | 3,081 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9047% | 2,220 |
| Cost of funding earning assets | 1.1237% | 1,282 |
| Net interest margin | 3.7811% | 3,479 |
| Noninterest income to average assets | 0.2582% | 5,798 |
| Noninterest expense to average assets | 2.1436% | 6,166 |
| Loan and lease loss provision to assets | 0.2057% | 2,894 |
| Net operating income to assets | 1.5540% | 938 |
| Return on assets (ROA) | 1.5540% | 1,050 |
| Pretax return on assets | 1.5540% | 1,728 |
| Return on Equity (ROE) | 16.9397% | 683 |
| Retained earnings to average equity (ytd only) | 6.2278% | 2,829 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9180% | 6,240 |
| Assets per employee ($millions) | 5.1581% | 2,051 |
| Cash dividends to net income (ytd only)* | 63.2353% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 4,726 |
| Loan loss allowance to noncurrent loans | 145.2422% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.7053% | 5,138 |
| Noncurrent loans to loans | 0.9434% | 4,790 |
| Net loans and leases to total assets | 68.9158% | 1,957 |
| Net loans and leases to deposits | 84.2801% | 1,631 |
| Net loans and leases to core deposits | 112.5251% | 459 |
| Total domestic deposits to total assets | 81.7699% | 5,368 |
| Equity capital to assets | 9.2060% | 5,226 |
| Core capital (leverage) ratio | 9.0591% | 4,749 |
| Tier 1 risk-based capital ratio | 16.4879% | 2,911 |
| Total risk-based capital ratio | 17.7445% | 2,882 |
| Memoranda: | ||
| Average total assets | $175,032,500 | 3,454 |
| Average earning assets | $168,734,500 | 3,305 |
| Average equity | $16,057,000 | 3,802 |
| Average total loans | $122,226,500 | 3,100 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 2,501 |
| Cost of funding earning assets | 1.3004% | 1,484 |
| Net interest margin | 3.7866% | 3,895 |
| Noninterest income to average assets | 0.2830% | 5,505 |
| Noninterest expense to average assets | 2.2989% | 6,040 |
| Loan and lease loss provision to assets | 0.2339% | 3,867 |
| Net operating income to assets | 1.4020% | 1,028 |
| Return on assets (ROA) | 1.4967% | 906 |
| Pretax return on assets | 1.4967% | 1,481 |
| Return on Equity (ROE) | 16.4474% | 548 |
| Retained earnings to average equity (ytd only) | 7.5234% | 1,269 |
| Net charge-offs to loans | 0.0785% | 5,538 |
| Credit loss provision to net charge-offs | 421.0526% | 545 |
| Earnings coverage of net charge-offs (x) | 29.4526% | 856 |
| Efficiency ratio | 58.4250% | 5,997 |
| Assets per employee ($millions) | 5.4591% | 1,683 |
| Cash dividends to net income (ytd only)* | 54.2578% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 4,886 |
| Loan loss allowance to noncurrent loans | 180.7736% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 5,596 |
| Noncurrent loans to loans | 0.7210% | 5,255 |
| Net loans and leases to total assets | 68.8786% | 2,233 |
| Net loans and leases to deposits | 84.1450% | 1,907 |
| Net loans and leases to core deposits | 100.4206% | 1,141 |
| Total domestic deposits to total assets | 81.8570% | 5,175 |
| Equity capital to assets | 9.1413% | 5,363 |
| Core capital (leverage) ratio | 8.8946% | 4,953 |
| Tier 1 risk-based capital ratio | 16.6074% | 2,772 |
| Total risk-based capital ratio | 17.8634% | 2,740 |
| Memoranda: | ||
| Average total assets | $171,039,800 | 3,468 |
| Average earning assets | $164,949,400 | 3,322 |
| Average equity | $15,564,800 | 3,802 |
| Average total loans | $121,036,200 | 3,158 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 2,528 |
| Cost of funding earning assets | 1.3455% | 1,476 |
| Net interest margin | 3.7714% | 4,007 |
| Noninterest income to average assets | 0.2813% | 5,600 |
| Noninterest expense to average assets | 2.2226% | 6,228 |
| Loan and lease loss provision to assets | 0.1959% | 4,062 |
| Net operating income to assets | 1.4984% | 933 |
| Return on assets (ROA) | 1.6176% | 821 |
| Pretax return on assets | 1.6176% | 1,337 |
| Return on Equity (ROE) | 17.7960% | 475 |
| Retained earnings to average equity (ytd only) | 9.3550% | 1,024 |
| Net charge-offs to loans | 0.0033% | 6,151 |
| Credit loss provision to net charge-offs | 8,333.3333% | 33 |
| Earnings coverage of net charge-offs (x) | 720.6475% | 45 |
| Efficiency ratio | 56.7427% | 6,182 |
| Assets per employee ($millions) | 5.2762% | 1,843 |
| Cash dividends to net income (ytd only)* | 47.4322% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 5,229 |
| Loan loss allowance to noncurrent loans | 167.6889% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5686% | 5,693 |
| Noncurrent loans to loans | 0.7475% | 5,385 |
| Net loans and leases to total assets | 71.4328% | 1,828 |
| Net loans and leases to deposits | 87.8584% | 1,449 |
| Net loans and leases to core deposits | 118.1498% | 437 |
| Total domestic deposits to total assets | 81.3045% | 5,332 |
| Equity capital to assets | 9.5056% | 5,074 |
| Core capital (leverage) ratio | 8.9473% | 5,017 |
| Tier 1 risk-based capital ratio | 16.4600% | 2,884 |
| Total risk-based capital ratio | 17.7151% | 2,845 |
| Memoranda: | ||
| Average total assets | $170,127,250 | 3,516 |
| Average earning assets | $164,002,250 | 3,357 |
| Average equity | $15,463,750 | 3,832 |
| Average total loans | $120,817,000 | 3,180 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0716% | 2,819 |
| Cost of funding earning assets | 1.3782% | 1,506 |
| Net interest margin | 3.6934% | 4,294 |
| Noninterest income to average assets | 0.2767% | 5,670 |
| Noninterest expense to average assets | 2.2010% | 6,383 |
| Loan and lease loss provision to assets | 0.1759% | 4,164 |
| Net operating income to assets | 1.4634% | 954 |
| Return on assets (ROA) | 1.6417% | 721 |
| Pretax return on assets | 1.6417% | 1,172 |
| Return on Equity (ROE) | 18.3382% | 435 |
| Retained earnings to average equity (ytd only) | 10.2956% | 784 |
| Net charge-offs to loans | 0.0050% | 5,808 |
| Credit loss provision to net charge-offs | 5,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 466.0000% | 68 |
| Efficiency ratio | 57.3130% | 6,253 |
| Assets per employee ($millions) | 4.9998% | 2,121 |
| Cash dividends to net income (ytd only)* | 43.8571% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 5,615 |
| Loan loss allowance to noncurrent loans | 486.7347% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 6,619 |
| Noncurrent loans to loans | 0.2434% | 6,433 |
| Net loans and leases to total assets | 68.2180% | 2,575 |
| Net loans and leases to deposits | 82.4352% | 2,380 |
| Net loans and leases to core deposits | 101.9088% | 1,182 |
| Total domestic deposits to total assets | 82.7535% | 4,874 |
| Equity capital to assets | 9.0261% | 5,545 |
| Core capital (leverage) ratio | 8.7895% | 5,066 |
| Tier 1 risk-based capital ratio | 16.3369% | 2,815 |
| Total risk-based capital ratio | 17.5912% | 2,783 |
| Memoranda: | ||
| Average total assets | $170,557,330 | 3,525 |
| Average earning assets | $164,563,330 | 3,363 |
| Average equity | $15,268,670 | 3,859 |
| Average total loans | $120,377,330 | 3,221 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0833% | 2,725 |
| Cost of funding earning assets | 1.4204% | 1,506 |
| Net interest margin | 3.6629% | 4,269 |
| Noninterest income to average assets | 0.2685% | 5,749 |
| Noninterest expense to average assets | 2.2859% | 6,229 |
| Loan and lease loss provision to assets | 0.1782% | 3,837 |
| Net operating income to assets | 1.3401% | 1,177 |
| Return on assets (ROA) | 1.7013% | 612 |
| Pretax return on assets | 1.7013% | 978 |
| Return on Equity (ROE) | 19.0863% | 394 |
| Retained earnings to average equity (ytd only) | 10.1829% | 1,083 |
| Net charge-offs to loans | -0.0166% | 6,514 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0874% | 5,973 |
| Assets per employee ($millions) | 5.0446% | 2,101 |
| Cash dividends to net income (ytd only)* | 46.6480% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 5,923 |
| Loan loss allowance to noncurrent loans | 251.6605% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 6,322 |
| Noncurrent loans to loans | 0.4495% | 6,112 |
| Net loans and leases to total assets | 71.6086% | 1,795 |
| Net loans and leases to deposits | 89.0563% | 1,343 |
| Net loans and leases to core deposits | 107.0800% | 891 |
| Total domestic deposits to total assets | 80.4082% | 5,838 |
| Equity capital to assets | 9.0886% | 5,071 |
| Core capital (leverage) ratio | 8.7424% | 5,013 |
| Tier 1 risk-based capital ratio | 15.8257% | 2,985 |
| Total risk-based capital ratio | 17.0787% | 2,950 |
| Memoranda: | ||
| Average total assets | $168,340,000 | 3,586 |
| Average earning assets | $162,492,000 | 3,413 |
| Average equity | $15,005,500 | 3,902 |
| Average total loans | $120,162,500 | 3,255 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 3,261 |
| Cost of funding earning assets | 1.6224% | 1,940 |
| Net interest margin | 3.6491% | 4,578 |
| Noninterest income to average assets | 0.2545% | 5,978 |
| Noninterest expense to average assets | 2.2915% | 6,382 |
| Loan and lease loss provision to assets | 0.1780% | 5,442 |
| Net operating income to assets | 1.3020% | 1,170 |
| Return on assets (ROA) | 1.3406% | 1,149 |
| Pretax return on assets | 1.3406% | 1,829 |
| Return on Equity (ROE) | 15.4195% | 660 |
| Retained earnings to average equity (ytd only) | 6.5157% | 1,544 |
| Net charge-offs to loans | 0.1678% | 5,326 |
| Credit loss provision to net charge-offs | 150.7538% | 2,394 |
| Earnings coverage of net charge-offs (x) | 12.5377% | 1,491 |
| Efficiency ratio | 60.7581% | 5,930 |
| Assets per employee ($millions) | 5.1578% | 1,934 |
| Cash dividends to net income (ytd only)* | 57.7434% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 6,062 |
| Loan loss allowance to noncurrent loans | 183.6910% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,244 |
| Noncurrent loans to loans | 0.5837% | 5,882 |
| Net loans and leases to total assets | 69.6023% | 2,634 |
| Net loans and leases to deposits | 85.5216% | 2,181 |
| Net loans and leases to core deposits | 94.3081% | 2,220 |
| Total domestic deposits to total assets | 81.3856% | 5,395 |
| Equity capital to assets | 8.7429% | 5,520 |
| Core capital (leverage) ratio | 8.4039% | 5,524 |
| Tier 1 risk-based capital ratio | 15.5786% | 2,964 |
| Total risk-based capital ratio | 16.8309% | 2,924 |
| Memoranda: | ||
| Average total assets | $168,580,400 | 3,568 |
| Average earning assets | $162,476,400 | 3,404 |
| Average equity | $14,656,800 | 4,004 |
| Average total loans | $118,605,000 | 3,339 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3041% | 3,338 |
| Cost of funding earning assets | 1.6508% | 2,099 |
| Net interest margin | 3.6533% | 4,619 |
| Noninterest income to average assets | 0.2481% | 6,116 |
| Noninterest expense to average assets | 2.1794% | 6,662 |
| Loan and lease loss provision to assets | 0.1784% | 5,257 |
| Net operating income to assets | 1.4080% | 1,088 |
| Return on assets (ROA) | 1.4596% | 1,078 |
| Pretax return on assets | 1.4596% | 1,724 |
| Return on Equity (ROE) | 16.8115% | 613 |
| Retained earnings to average equity (ytd only) | 8.6386% | 1,189 |
| Net charge-offs to loans | 0.1149% | 5,387 |
| Credit loss provision to net charge-offs | 220.5882% | 1,563 |
| Earnings coverage of net charge-offs (x) | 19.6171% | 1,199 |
| Efficiency ratio | 57.8737% | 6,288 |
| Assets per employee ($millions) | 5.0284% | 2,141 |
| Cash dividends to net income (ytd only)* | 48.6146% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 5,986 |
| Loan loss allowance to noncurrent loans | 148.4091% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 6,041 |
| Noncurrent loans to loans | 0.7338% | 5,735 |
| Net loans and leases to total assets | 71.4854% | 2,354 |
| Net loans and leases to deposits | 89.2725% | 1,826 |
| Net loans and leases to core deposits | 107.1971% | 1,220 |
| Total domestic deposits to total assets | 80.0755% | 5,680 |
| Equity capital to assets | 9.0523% | 5,504 |
| Core capital (leverage) ratio | 8.4863% | 5,540 |
| Tier 1 risk-based capital ratio | 15.5108% | 2,992 |
| Total risk-based capital ratio | 16.7629% | 2,958 |
| Memoranda: | ||
| Average total assets | $168,173,750 | 3,615 |
| Average earning assets | $161,933,500 | 3,465 |
| Average equity | $14,600,750 | 4,077 |
| Average total loans | $118,318,250 | 3,397 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2532% | 3,696 |
| Cost of funding earning assets | 1.6700% | 2,287 |
| Net interest margin | 3.5832% | 4,888 |
| Noninterest income to average assets | 0.2344% | 6,231 |
| Noninterest expense to average assets | 2.1525% | 6,758 |
| Loan and lease loss provision to assets | 0.1776% | 5,095 |
| Net operating income to assets | 1.3569% | 1,177 |
| Return on assets (ROA) | 1.4338% | 1,097 |
| Pretax return on assets | 1.4338% | 1,743 |
| Return on Equity (ROE) | 16.7489% | 603 |
| Retained earnings to average equity (ytd only) | 8.6580% | 1,211 |
| Net charge-offs to loans | 0.1749% | 4,567 |
| Credit loss provision to net charge-offs | 145.6311% | 2,722 |
| Earnings coverage of net charge-offs (x) | 12.5825% | 1,667 |
| Efficiency ratio | 58.3815% | 6,325 |
| Assets per employee ($millions) | 4.9505% | 2,242 |
| Cash dividends to net income (ytd only)* | 48.3072% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 6,248 |
| Loan loss allowance to noncurrent loans | 123.3701% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 5,888 |
| Noncurrent loans to loans | 0.8385% | 5,604 |
| Net loans and leases to total assets | 67.9147% | 3,383 |
| Net loans and leases to deposits | 83.5342% | 2,968 |
| Net loans and leases to core deposits | 92.5852% | 2,905 |
| Total domestic deposits to total assets | 81.3016% | 5,292 |
| Equity capital to assets | 8.5724% | 6,057 |
| Core capital (leverage) ratio | 8.2158% | 5,915 |
| Tier 1 risk-based capital ratio | 15.2521% | 3,038 |
| Total risk-based capital ratio | 16.5029% | 2,991 |
| Memoranda: | ||
| Average total assets | $168,919,670 | 3,615 |
| Average earning assets | $162,759,330 | 3,466 |
| Average equity | $14,460,670 | 4,100 |
| Average total loans | $117,782,330 | 3,435 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2904% | 3,591 |
| Cost of funding earning assets | 1.6945% | 2,421 |
| Net interest margin | 3.5959% | 4,751 |
| Noninterest income to average assets | 0.2375% | 6,255 |
| Noninterest expense to average assets | 2.2189% | 6,635 |
| Loan and lease loss provision to assets | 0.1799% | 4,726 |
| Net operating income to assets | 1.3002% | 1,298 |
| Return on assets (ROA) | 1.4561% | 1,048 |
| Pretax return on assets | 1.4561% | 1,626 |
| Return on Equity (ROE) | 17.0213% | 605 |
| Retained earnings to average equity (ytd only) | 8.6088% | 1,505 |
| Net charge-offs to loans | 0.1877% | 3,795 |
| Credit loss provision to net charge-offs | 136.3636% | 2,587 |
| Earnings coverage of net charge-offs (x) | 11.2182% | 1,666 |
| Efficiency ratio | 59.9870% | 6,180 |
| Assets per employee ($millions) | 4.7924% | 2,519 |
| Cash dividends to net income (ytd only)* | 49.4234% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 6,346 |
| Loan loss allowance to noncurrent loans | 204.2445% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 6,529 |
| Noncurrent loans to loans | 0.5012% | 6,293 |
| Net loans and leases to total assets | 69.3388% | 3,082 |
| Net loans and leases to deposits | 86.7921% | 2,452 |
| Net loans and leases to core deposits | 105.5754% | 1,614 |
| Total domestic deposits to total assets | 79.8907% | 5,821 |
| Equity capital to assets | 8.5827% | 5,895 |
| Core capital (leverage) ratio | 8.2899% | 5,763 |
| Tier 1 risk-based capital ratio | 14.6520% | 3,288 |
| Total risk-based capital ratio | 15.9024% | 3,255 |
| Memoranda: | ||
| Average total assets | $166,746,500 | 3,717 |
| Average earning assets | $160,517,500 | 3,559 |
| Average equity | $14,264,500 | 4,177 |
| Average total loans | $117,222,000 | 3,515 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6918% | 3,143 |
| Cost of funding earning assets | 1.8569% | 3,698 |
| Net interest margin | 3.8350% | 3,552 |
| Noninterest income to average assets | 0.3045% | 5,917 |
| Noninterest expense to average assets | 2.4579% | 6,283 |
| Loan and lease loss provision to assets | 0.1915% | 5,810 |
| Net operating income to assets | 1.3509% | 940 |
| Return on assets (ROA) | 1.3222% | 1,034 |
| Pretax return on assets | 1.3222% | 1,634 |
| Return on Equity (ROE) | 15.7213% | 579 |
| Retained earnings to average equity (ytd only) | 10.2709% | 345 |
| Net charge-offs to loans | 0.0689% | 6,429 |
| Credit loss provision to net charge-offs | 384.6154% | 825 |
| Earnings coverage of net charge-offs (x) | 30.9744% | 745 |
| Efficiency ratio | 61.4427% | 6,252 |
| Assets per employee ($millions) | 4.6044% | 2,760 |
| Cash dividends to net income (ytd only)* | 34.6692% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 6,315 |
| Loan loss allowance to noncurrent loans | 117.8287% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 5,941 |
| Noncurrent loans to loans | 0.8586% | 5,580 |
| Net loans and leases to total assets | 69.8323% | 3,294 |
| Net loans and leases to deposits | 85.5928% | 2,982 |
| Net loans and leases to core deposits | 109.8704% | 2,907 |
| Total domestic deposits to total assets | 81.5866% | 5,114 |
| Equity capital to assets | 8.5262% | 5,840 |
| Core capital (leverage) ratio | 8.1023% | 5,989 |
| Tier 1 risk-based capital ratio | 15.0012% | 2,937 |
| Total risk-based capital ratio | 16.2523% | 2,887 |
| Memoranda: | ||
| Average total assets | $156,636,400 | 3,841 |
| Average earning assets | $150,953,600 | 3,694 |
| Average equity | $13,173,200 | 4,465 |
| Average total loans | $113,249,400 | 3,620 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 3,101 |
| Cost of funding earning assets | 1.8872% | 3,944 |
| Net interest margin | 3.8623% | 3,381 |
| Noninterest income to average assets | 0.3205% | 5,916 |
| Noninterest expense to average assets | 2.3763% | 6,488 |
| Loan and lease loss provision to assets | 0.1944% | 5,439 |
| Net operating income to assets | 1.4710% | 873 |
| Return on assets (ROA) | 1.4512% | 976 |
| Pretax return on assets | 1.4512% | 1,554 |
| Return on Equity (ROE) | 17.3192% | 513 |
| Retained earnings to average equity (ytd only) | 9.9173% | 654 |
| Net charge-offs to loans | 0.0285% | 6,483 |
| Credit loss provision to net charge-offs | 937.5000% | 398 |
| Earnings coverage of net charge-offs (x) | 80.3313% | 420 |
| Efficiency ratio | 58.7946% | 6,593 |
| Assets per employee ($millions) | 4.6344% | 2,656 |
| Cash dividends to net income (ytd only)* | 42.7382% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,321 |
| Loan loss allowance to noncurrent loans | 165.0568% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 6,310 |
| Noncurrent loans to loans | 0.6036% | 6,099 |
| Net loans and leases to total assets | 71.1937% | 3,225 |
| Net loans and leases to deposits | 87.6561% | 3,033 |
| Net loans and leases to core deposits | 112.1319% | 3,009 |
| Total domestic deposits to total assets | 81.2193% | 4,989 |
| Equity capital to assets | 8.3981% | 6,386 |
| Core capital (leverage) ratio | 8.2796% | 5,872 |
| Tier 1 risk-based capital ratio | 14.3722% | 3,344 |
| Total risk-based capital ratio | 15.6229% | 3,290 |
| Memoranda: | ||
| Average total assets | $154,355,500 | 3,905 |
| Average earning assets | $148,716,000 | 3,748 |
| Average equity | $12,933,250 | 4,560 |
| Average total loans | $112,327,500 | 3,674 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8258% | 2,927 |
| Cost of funding earning assets | 1.9187% | 4,172 |
| Net interest margin | 3.9071% | 3,087 |
| Noninterest income to average assets | 0.3137% | 5,997 |
| Noninterest expense to average assets | 2.3791% | 6,526 |
| Loan and lease loss provision to assets | 0.1977% | 5,078 |
| Net operating income to assets | 1.4999% | 835 |
| Return on assets (ROA) | 1.5593% | 800 |
| Pretax return on assets | 1.5593% | 1,305 |
| Return on Equity (ROE) | 18.6245% | 438 |
| Retained earnings to average equity (ytd only) | 7.3207% | 1,461 |
| Net charge-offs to loans | 0.0018% | 6,605 |
| Credit loss provision to net charge-offs | 15,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,288.0000% | 20 |
| Efficiency ratio | 58.3576% | 6,801 |
| Assets per employee ($millions) | 4.4607% | 2,828 |
| Cash dividends to net income (ytd only)* | 60.6932% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 6,447 |
| Loan loss allowance to noncurrent loans | 141.9437% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5156% | 6,143 |
| Noncurrent loans to loans | 0.6831% | 5,882 |
| Net loans and leases to total assets | 74.7447% | 2,509 |
| Net loans and leases to deposits | 92.6477% | 2,335 |
| Net loans and leases to core deposits | 118.1904% | 2,534 |
| Total domestic deposits to total assets | 80.6762% | 5,202 |
| Equity capital to assets | 8.4853% | 6,070 |
| Core capital (leverage) ratio | 8.0811% | 6,195 |
| Tier 1 risk-based capital ratio | 14.1154% | 3,449 |
| Total risk-based capital ratio | 15.3658% | 3,389 |
| Memoranda: | ||
| Average total assets | $151,739,330 | 3,964 |
| Average earning assets | $146,143,670 | 3,816 |
| Average equity | $12,703,670 | 4,624 |
| Average total loans | $110,889,670 | 3,747 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8131% | 3,234 |
| Cost of funding earning assets | 1.9122% | 4,566 |
| Net interest margin | 3.9009% | 3,031 |
| Noninterest income to average assets | 0.2925% | 6,095 |
| Noninterest expense to average assets | 2.2612% | 6,657 |
| Loan and lease loss provision to assets | 0.1977% | 4,465 |
| Net operating income to assets | 1.5918% | 795 |
| Return on assets (ROA) | 1.5918% | 874 |
| Pretax return on assets | 1.5918% | 1,428 |
| Return on Equity (ROE) | 19.1427% | 491 |
| Retained earnings to average equity (ytd only) | 8.8107% | 1,536 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8230% | 6,993 |
| Assets per employee ($millions) | 4.5578% | 2,633 |
| Cash dividends to net income (ytd only)* | 53.9735% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 6,560 |
| Loan loss allowance to noncurrent loans | 267.7003% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 6,518 |
| Noncurrent loans to loans | 0.3510% | 6,555 |
| Net loans and leases to total assets | 72.6207% | 3,089 |
| Net loans and leases to deposits | 89.6627% | 2,982 |
| Net loans and leases to core deposits | 112.0506% | 3,215 |
| Total domestic deposits to total assets | 80.9932% | 4,975 |
| Equity capital to assets | 8.5494% | 5,996 |
| Core capital (leverage) ratio | 8.1243% | 6,247 |
| Tier 1 risk-based capital ratio | 14.5145% | 3,303 |
| Total risk-based capital ratio | 15.7508% | 3,233 |
| Memoranda: | ||
| Average total assets | $151,777,500 | 3,978 |
| Average earning assets | $146,221,000 | 3,822 |
| Average equity | $12,621,000 | 4,674 |
| Average total loans | $109,099,500 | 3,810 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1997% | 4,520 |
| Cost of funding earning assets | 2.4622% | 4,412 |
| Net interest margin | 3.7374% | 4,294 |
| Noninterest income to average assets | 0.2365% | 6,752 |
| Noninterest expense to average assets | 2.4442% | 6,236 |
| Loan and lease loss provision to assets | 0.1190% | 5,846 |
| Net operating income to assets | 1.2337% | 1,672 |
| Return on assets (ROA) | 1.2400% | 1,599 |
| Pretax return on assets | 1.2400% | 2,512 |
| Return on Equity (ROE) | 14.9337% | 935 |
| Retained earnings to average equity (ytd only) | 5.4948% | 1,768 |
| Net charge-offs to loans | 0.0038% | 6,947 |
| Credit loss provision to net charge-offs | 4,250.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 483.2500% | 109 |
| Efficiency ratio | 64.3752% | 5,481 |
| Assets per employee ($millions) | 4.5043% | 2,611 |
| Cash dividends to net income (ytd only)* | 63.2054% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8904% | 6,731 |
| Loan loss allowance to noncurrent loans | 188.8016% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 5,996 |
| Noncurrent loans to loans | 0.4716% | 5,929 |
| Net loans and leases to total assets | 69.8510% | 4,051 |
| Net loans and leases to deposits | 86.6902% | 4,006 |
| Net loans and leases to core deposits | 106.8970% | 4,090 |
| Total domestic deposits to total assets | 80.5754% | 4,813 |
| Equity capital to assets | 8.0857% | 6,725 |
| Core capital (leverage) ratio | 7.7920% | 6,814 |
| Tier 1 risk-based capital ratio | 14.3366% | 3,372 |
| Total risk-based capital ratio | 15.4958% | 3,343 |
| Memoranda: | ||
| Average total assets | $142,908,600 | 4,027 |
| Average earning assets | $136,135,800 | 3,925 |
| Average equity | $11,865,800 | 4,863 |
| Average total loans | $106,617,600 | 3,773 |