Home > The National Bank of Malvern > Performance and Condition Ratios
The National Bank of Malvern, 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 | 4.7447% | 2,585 |
| Cost of funding earning assets | 0.8847% | 3,553 |
| Net interest margin | 3.8600% | 1,457 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.2686% | 2,928 |
| Loan and lease loss provision to assets | -0.1300% | 4,536 |
| Net operating income to assets | 1.3785% | 1,254 |
| Return on assets (ROA) | 1.3785% | 1,225 |
| Pretax return on assets | 1.7374% | 993 |
| Return on Equity (ROE) | 10.8000% | 2,277 |
| Retained earnings to average equity (ytd only) | 10.8044% | 840 |
| Net charge-offs to loans | -0.1144% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.5372% | 3,242 |
| Assets per employee ($millions) | 8.0140% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 661 |
| Loan loss allowance to noncurrent loans | 223.5239% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 1,053 |
| Noncurrent loans to loans | 0.7604% | 1,023 |
| Net loans and leases to total assets | 68.8500% | 1,938 |
| Net loans and leases to deposits | 80.0324% | 2,104 |
| Net loans and leases to core deposits | 83.2081% | 2,510 |
| Total domestic deposits to total assets | 86.0300% | 2,005 |
| Equity capital to assets | 13.6073% | 747 |
| Core capital (leverage) ratio | 14.5357% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $201,448,800 | 2,981 |
| Average earning assets | $193,858,400 | 2,918 |
| Average equity | $25,702,400 | 2,477 |
| Average total loans | $139,809,800 | 2,771 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5682% | 2,757 |
| Cost of funding earning assets | 0.7420% | 3,671 |
| Net interest margin | 3.8262% | 1,542 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.1666% | 3,160 |
| Loan and lease loss provision to assets | -0.2200% | 4,591 |
| Net operating income to assets | 1.4990% | 1,127 |
| Return on assets (ROA) | 1.4990% | 1,110 |
| Pretax return on assets | 1.8850% | 880 |
| Return on Equity (ROE) | 11.9500% | 2,139 |
| Retained earnings to average equity (ytd only) | 11.9464% | 981 |
| Net charge-offs to loans | -0.1222% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.4880% | 3,357 |
| Assets per employee ($millions) | 9.2190% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 727 |
| Loan loss allowance to noncurrent loans | 77.5611% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.4271% | 271 |
| Noncurrent loans to loans | 2.1725% | 255 |
| Net loans and leases to total assets | 64.5800% | 2,377 |
| Net loans and leases to deposits | 73.8173% | 2,583 |
| Net loans and leases to core deposits | 75.9205% | 2,871 |
| Total domestic deposits to total assets | 87.4900% | 1,738 |
| Equity capital to assets | 12.1384% | 1,003 |
| Core capital (leverage) ratio | 13.9268% | 841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $201,723,750 | 2,984 |
| Average earning assets | $194,236,000 | 2,926 |
| Average equity | $25,312,500 | 2,481 |
| Average total loans | $139,681,250 | 2,778 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 2,917 |
| Cost of funding earning assets | 0.5146% | 3,951 |
| Net interest margin | 3.8712% | 1,483 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.1605% | 3,189 |
| Loan and lease loss provision to assets | -0.1500% | 4,595 |
| Net operating income to assets | 1.4878% | 1,127 |
| Return on assets (ROA) | 1.4878% | 1,124 |
| Pretax return on assets | 1.8710% | 901 |
| Return on Equity (ROE) | 11.7200% | 2,244 |
| Retained earnings to average equity (ytd only) | 11.7200% | 1,042 |
| Net charge-offs to loans | -0.1931% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.6219% | 3,466 |
| Assets per employee ($millions) | 7.3178% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 694 |
| Loan loss allowance to noncurrent loans | 355.9297% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 1,478 |
| Noncurrent loans to loans | 0.4874% | 1,497 |
| Net loans and leases to total assets | 72.3700% | 1,481 |
| Net loans and leases to deposits | 83.8824% | 1,677 |
| Net loans and leases to core deposits | 86.4709% | 2,035 |
| Total domestic deposits to total assets | 86.2800% | 2,154 |
| Equity capital to assets | 13.3458% | 738 |
| Core capital (leverage) ratio | 14.7275% | 627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $198,285,667 | 3,013 |
| Average earning assets | $190,846,000 | 2,956 |
| Average equity | $25,170,667 | 2,517 |
| Average total loans | $139,813,667 | 2,772 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 2,825 |
| Cost of funding earning assets | 0.4230% | 3,901 |
| Net interest margin | 3.8669% | 1,548 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.1473% | 3,258 |
| Loan and lease loss provision to assets | -0.2400% | 4,634 |
| Net operating income to assets | 1.5719% | 1,035 |
| Return on assets (ROA) | 1.5719% | 1,033 |
| Pretax return on assets | 1.9753% | 815 |
| Return on Equity (ROE) | 12.6900% | 2,053 |
| Retained earnings to average equity (ytd only) | 12.6895% | 1,143 |
| Net charge-offs to loans | -0.2921% | 4,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.3235% | 3,478 |
| Assets per employee ($millions) | 8.6954% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 694 |
| Loan loss allowance to noncurrent loans | 304.7088% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 1,281 |
| Noncurrent loans to loans | 0.5824% | 1,274 |
| Net loans and leases to total assets | 68.0500% | 1,831 |
| Net loans and leases to deposits | 78.1653% | 1,955 |
| Net loans and leases to core deposits | 79.8882% | 2,262 |
| Total domestic deposits to total assets | 87.0600% | 2,243 |
| Equity capital to assets | 12.5299% | 861 |
| Core capital (leverage) ratio | 13.7462% | 784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $202,297,500 | 3,028 |
| Average earning assets | $194,781,500 | 2,965 |
| Average equity | $25,060,000 | 2,546 |
| Average total loans | $139,656,000 | 2,803 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 2,651 |
| Cost of funding earning assets | 0.2081% | 3,697 |
| Net interest margin | 3.4473% | 2,108 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.9291% | 3,773 |
| Loan and lease loss provision to assets | -0.2000% | 4,630 |
| Net operating income to assets | 1.3892% | 1,161 |
| Return on assets (ROA) | 1.3892% | 1,108 |
| Pretax return on assets | 1.7450% | 824 |
| Return on Equity (ROE) | 11.4100% | 2,339 |
| Retained earnings to average equity (ytd only) | 7.9921% | 1,832 |
| Net charge-offs to loans | -0.0188% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.4836% | 3,629 |
| Assets per employee ($millions) | 9.3000% | 829 |
| Cash dividends to net income (ytd only)* | 29.9507% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 3,671 |
| Loan loss allowance to noncurrent loans | 168.0359% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 1,345 |
| Noncurrent loans to loans | 0.5534% | 1,339 |
| Net loans and leases to total assets | 68.1600% | 1,812 |
| Net loans and leases to deposits | 77.7151% | 1,975 |
| Net loans and leases to core deposits | 79.0826% | 2,192 |
| Total domestic deposits to total assets | 87.7000% | 2,180 |
| Equity capital to assets | 12.2487% | 863 |
| Core capital (leverage) ratio | 13.3932% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $204,295,600 | 3,025 |
| Average earning assets | $197,546,800 | 2,956 |
| Average equity | $24,874,600 | 2,592 |
| Average total loans | $138,057,200 | 2,750 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 2,716 |
| Cost of funding earning assets | 0.1841% | 3,465 |
| Net interest margin | 3.2836% | 2,343 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.8424% | 3,893 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.1850% | 1,754 |
| Return on assets (ROA) | 1.1850% | 1,726 |
| Pretax return on assets | 1.4866% | 1,453 |
| Return on Equity (ROE) | 9.7500% | 2,803 |
| Retained earnings to average equity (ytd only) | 6.5247% | 2,543 |
| Net charge-offs to loans | 0.0019% | 2,220 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,725 |
| Earnings coverage of net charge-offs (x) | 1,126.0000% | 130 |
| Efficiency ratio | 55.6169% | 3,659 |
| Assets per employee ($millions) | 9.3233% | 799 |
| Cash dividends to net income (ytd only)* | 33.0579% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,576 |
| Loan loss allowance to noncurrent loans | 188.4091% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 1,266 |
| Noncurrent loans to loans | 0.6323% | 1,286 |
| Net loans and leases to total assets | 67.0400% | 1,780 |
| Net loans and leases to deposits | 75.9924% | 1,877 |
| Net loans and leases to core deposits | 77.3174% | 2,092 |
| Total domestic deposits to total assets | 88.2200% | 2,358 |
| Equity capital to assets | 11.6619% | 952 |
| Core capital (leverage) ratio | 12.8426% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $204,219,250 | 3,038 |
| Average earning assets | $197,706,500 | 2,976 |
| Average equity | $24,828,000 | 2,629 |
| Average total loans | $137,382,250 | 2,760 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3120% | 2,700 |
| Cost of funding earning assets | 0.1830% | 3,142 |
| Net interest margin | 3.1290% | 2,437 |
| Noninterest income to average assets | 0.1373% | 4,326 |
| Noninterest expense to average assets | 1.7605% | 4,037 |
| Loan and lease loss provision to assets | -0.0549% | 4,529 |
| Net operating income to assets | 1.1691% | 1,540 |
| Return on assets (ROA) | 1.1691% | 1,517 |
| Pretax return on assets | 1.4672% | 1,262 |
| Return on Equity (ROE) | 9.4864% | 2,528 |
| Retained earnings to average equity (ytd only) | 5.9051% | 2,361 |
| Net charge-offs to loans | 0.0029% | 1,967 |
| Credit loss provision to net charge-offs | -2,800.0000% | 3,700 |
| Earnings coverage of net charge-offs (x) | 720.0000% | 198 |
| Efficiency ratio | 55.4869% | 3,825 |
| Assets per employee ($millions) | 9.1061% | 850 |
| Cash dividends to net income (ytd only)* | 37.7517% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 2,767 |
| Loan loss allowance to noncurrent loans | 168.7047% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4608% | 1,224 |
| Noncurrent loans to loans | 0.7025% | 1,229 |
| Net loans and leases to total assets | 64.8109% | 1,822 |
| Net loans and leases to deposits | 73.5646% | 1,911 |
| Net loans and leases to core deposits | 74.6123% | 2,118 |
| Total domestic deposits to total assets | 88.1006% | 2,533 |
| Equity capital to assets | 11.8134% | 937 |
| Core capital (leverage) ratio | 12.6143% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,921,333 | 3,074 |
| Average earning assets | $197,828,667 | 3,011 |
| Average equity | $25,130,667 | 2,675 |
| Average total loans | $136,786,333 | 2,778 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1686% | 2,785 |
| Cost of funding earning assets | 0.1924% | 2,904 |
| Net interest margin | 2.9762% | 2,579 |
| Noninterest income to average assets | 0.1412% | 4,305 |
| Noninterest expense to average assets | 1.7896% | 3,961 |
| Loan and lease loss provision to assets | -0.0159% | 4,437 |
| Net operating income to assets | 1.0062% | 1,857 |
| Return on assets (ROA) | 1.0062% | 1,848 |
| Pretax return on assets | 1.2587% | 1,626 |
| Return on Equity (ROE) | 7.9921% | 2,696 |
| Retained earnings to average equity (ytd only) | 3.2537% | 3,177 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0164% | 3,584 |
| Assets per employee ($millions) | 8.9636% | 934 |
| Cash dividends to net income (ytd only)* | 59.2885% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,762 |
| Loan loss allowance to noncurrent loans | 163.6098% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 1,206 |
| Noncurrent loans to loans | 0.7449% | 1,278 |
| Net loans and leases to total assets | 65.9346% | 1,417 |
| Net loans and leases to deposits | 75.0943% | 1,516 |
| Net loans and leases to core deposits | 76.3256% | 1,763 |
| Total domestic deposits to total assets | 87.8023% | 2,623 |
| Equity capital to assets | 12.0323% | 938 |
| Core capital (leverage) ratio | 12.9074% | 795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $201,162,000 | 3,092 |
| Average earning assets | $195,415,000 | 3,039 |
| Average equity | $25,325,000 | 2,750 |
| Average total loans | $136,495,500 | 2,777 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 1,911 |
| Cost of funding earning assets | 0.2562% | 2,855 |
| Net interest margin | 3.5288% | 1,657 |
| Noninterest income to average assets | 0.1404% | 4,449 |
| Noninterest expense to average assets | 2.0440% | 3,544 |
| Loan and lease loss provision to assets | -0.0186% | 4,216 |
| Net operating income to assets | 1.2206% | 1,851 |
| Return on assets (ROA) | 1.2198% | 1,903 |
| Pretax return on assets | 1.5266% | 1,635 |
| Return on Equity (ROE) | 9.1372% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.2096% | 2,266 |
| Net charge-offs to loans | -0.0696% | 4,457 |
| Credit loss provision to net charge-offs | 37.2340% | 2,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5277% | 3,517 |
| Assets per employee ($millions) | 8.5288% | 1,073 |
| Cash dividends to net income (ytd only)* | 32.0401% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,643 |
| Loan loss allowance to noncurrent loans | 153.5519% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 1,183 |
| Noncurrent loans to loans | 0.8110% | 1,258 |
| Net loans and leases to total assets | 68.1559% | 1,248 |
| Net loans and leases to deposits | 78.6040% | 1,339 |
| Net loans and leases to core deposits | 80.0374% | 1,589 |
| Total domestic deposits to total assets | 86.7079% | 2,618 |
| Equity capital to assets | 13.1748% | 852 |
| Core capital (leverage) ratio | 13.0607% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,067,000 | 3,143 |
| Average earning assets | $181,874,000 | 3,081 |
| Average equity | $25,106,200 | 2,840 |
| Average total loans | $134,974,400 | 2,783 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 2,326 |
| Cost of funding earning assets | 0.2686% | 2,917 |
| Net interest margin | 3.4146% | 2,114 |
| Noninterest income to average assets | 0.1354% | 4,523 |
| Noninterest expense to average assets | 2.0145% | 3,623 |
| Loan and lease loss provision to assets | 0.0194% | 2,617 |
| Net operating income to assets | 1.1177% | 2,488 |
| Return on assets (ROA) | 1.1166% | 2,545 |
| Pretax return on assets | 1.3982% | 2,338 |
| Return on Equity (ROE) | 8.3352% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.2055% | 3,140 |
| Net charge-offs to loans | -0.0079% | 3,585 |
| Credit loss provision to net charge-offs | -337.5000% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6725% | 3,167 |
| Assets per employee ($millions) | 8.3184% | 1,122 |
| Cash dividends to net income (ytd only)* | 37.5481% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,926 |
| Loan loss allowance to noncurrent loans | 139.5466% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 1,221 |
| Noncurrent loans to loans | 0.8699% | 1,320 |
| Net loans and leases to total assets | 70.6947% | 1,021 |
| Net loans and leases to deposits | 81.6758% | 1,139 |
| Net loans and leases to core deposits | 83.9271% | 1,434 |
| Total domestic deposits to total assets | 86.5553% | 2,529 |
| Equity capital to assets | 13.2660% | 914 |
| Core capital (leverage) ratio | 13.2016% | 796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,043,250 | 3,194 |
| Average earning assets | $179,695,750 | 3,135 |
| Average equity | $24,921,750 | 2,891 |
| Average total loans | $134,872,500 | 2,825 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 2,239 |
| Cost of funding earning assets | 0.2803% | 2,976 |
| Net interest margin | 3.4567% | 1,986 |
| Noninterest income to average assets | 0.1389% | 4,505 |
| Noninterest expense to average assets | 1.9481% | 3,839 |
| Loan and lease loss provision to assets | -0.0022% | 4,383 |
| Net operating income to assets | 1.2183% | 2,116 |
| Return on assets (ROA) | 1.2166% | 2,203 |
| Pretax return on assets | 1.5237% | 1,947 |
| Return on Equity (ROE) | 9.0518% | 3,082 |
| Retained earnings to average equity (ytd only) | 5.5393% | 2,983 |
| Net charge-offs to loans | -0.0045% | 3,401 |
| Credit loss provision to net charge-offs | 66.6667% | 1,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1113% | 3,526 |
| Assets per employee ($millions) | 7.1000% | 1,727 |
| Cash dividends to net income (ytd only)* | 38.8046% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,924 |
| Loan loss allowance to noncurrent loans | 126.2995% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 1,230 |
| Noncurrent loans to loans | 0.9519% | 1,300 |
| Net loans and leases to total assets | 69.7861% | 1,226 |
| Net loans and leases to deposits | 80.4847% | 1,385 |
| Net loans and leases to core deposits | 82.7063% | 1,662 |
| Total domestic deposits to total assets | 86.7074% | 2,469 |
| Equity capital to assets | 13.1294% | 907 |
| Core capital (leverage) ratio | 13.1697% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,283,000 | 3,216 |
| Average earning assets | $177,683,333 | 3,154 |
| Average equity | $24,768,667 | 2,892 |
| Average total loans | $134,190,667 | 2,843 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7165% | 2,326 |
| Cost of funding earning assets | 0.2932% | 3,068 |
| Net interest margin | 3.4233% | 2,046 |
| Noninterest income to average assets | 0.1506% | 4,448 |
| Noninterest expense to average assets | 1.9515% | 3,852 |
| Loan and lease loss provision to assets | -0.0044% | 4,560 |
| Net operating income to assets | 1.1918% | 2,177 |
| Return on assets (ROA) | 1.1918% | 2,250 |
| Pretax return on assets | 1.4886% | 2,028 |
| Return on Equity (ROE) | 8.7592% | 3,117 |
| Retained earnings to average equity (ytd only) | 1.6769% | 4,078 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8021% | 3,453 |
| Assets per employee ($millions) | 7.4858% | 1,458 |
| Cash dividends to net income (ytd only)* | 80.8550% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 3,085 |
| Loan loss allowance to noncurrent loans | 123.2929% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7043% | 1,330 |
| Noncurrent loans to loans | 0.9501% | 1,429 |
| Net loans and leases to total assets | 73.2594% | 878 |
| Net loans and leases to deposits | 84.5458% | 1,091 |
| Net loans and leases to core deposits | 87.0594% | 1,449 |
| Total domestic deposits to total assets | 86.6505% | 2,464 |
| Equity capital to assets | 13.1240% | 879 |
| Core capital (leverage) ratio | 13.7495% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,574,500 | 3,249 |
| Average earning assets | $173,281,500 | 3,182 |
| Average equity | $24,568,500 | 2,900 |
| Average total loans | $133,582,000 | 2,855 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,049 |
| Cost of funding earning assets | 0.4617% | 3,210 |
| Net interest margin | 3.4298% | 2,673 |
| Noninterest income to average assets | 0.1501% | 4,542 |
| Noninterest expense to average assets | 2.2549% | 3,526 |
| Loan and lease loss provision to assets | 0.1227% | 2,835 |
| Net operating income to assets | 0.8719% | 2,824 |
| Return on assets (ROA) | 0.8719% | 2,957 |
| Pretax return on assets | 1.0822% | 2,759 |
| Return on Equity (ROE) | 6.0362% | 3,575 |
| Retained earnings to average equity (ytd only) | 1.9131% | 3,864 |
| Net charge-offs to loans | -0.0065% | 4,187 |
| Credit loss provision to net charge-offs | -2,575.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1747% | 2,651 |
| Assets per employee ($millions) | 6.9601% | 1,609 |
| Cash dividends to net income (ytd only)* | 68.3060% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 2,584 |
| Loan loss allowance to noncurrent loans | 108.0345% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 1,159 |
| Noncurrent loans to loans | 1.1726% | 1,211 |
| Net loans and leases to total assets | 72.8781% | 1,176 |
| Net loans and leases to deposits | 85.2390% | 1,318 |
| Net loans and leases to core deposits | 88.1586% | 1,673 |
| Total domestic deposits to total assets | 85.4985% | 2,571 |
| Equity capital to assets | 14.1239% | 764 |
| Core capital (leverage) ratio | 14.0927% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,902,000 | 3,213 |
| Average earning assets | $162,020,000 | 3,146 |
| Average equity | $24,253,800 | 2,858 |
| Average total loans | $122,163,400 | 2,955 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 3,327 |
| Cost of funding earning assets | 0.4983% | 3,234 |
| Net interest margin | 3.3804% | 2,980 |
| Noninterest income to average assets | 0.1418% | 4,597 |
| Noninterest expense to average assets | 2.2350% | 3,593 |
| Loan and lease loss provision to assets | 0.1737% | 2,246 |
| Net operating income to assets | 0.8006% | 3,085 |
| Return on assets (ROA) | 0.8006% | 3,209 |
| Pretax return on assets | 0.9945% | 3,092 |
| Return on Equity (ROE) | 5.5101% | 3,721 |
| Retained earnings to average equity (ytd only) | 1.3734% | 4,126 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6699% | 2,509 |
| Assets per employee ($millions) | 6.8972% | 1,568 |
| Cash dividends to net income (ytd only)* | 75.0751% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,297 |
| Loan loss allowance to noncurrent loans | 104.0230% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.9082% | 1,267 |
| Noncurrent loans to loans | 1.2209% | 1,247 |
| Net loans and leases to total assets | 73.4410% | 1,440 |
| Net loans and leases to deposits | 86.1304% | 1,684 |
| Net loans and leases to core deposits | 88.7938% | 2,078 |
| Total domestic deposits to total assets | 85.2672% | 2,333 |
| Equity capital to assets | 14.1338% | 818 |
| Core capital (leverage) ratio | 14.0826% | 694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,376,750 | 3,205 |
| Average earning assets | $160,530,500 | 3,148 |
| Average equity | $24,173,250 | 2,858 |
| Average total loans | $120,595,000 | 2,990 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 3,604 |
| Cost of funding earning assets | 0.5461% | 3,264 |
| Net interest margin | 3.3571% | 3,230 |
| Noninterest income to average assets | 0.1497% | 4,555 |
| Noninterest expense to average assets | 2.2122% | 3,743 |
| Loan and lease loss provision to assets | 0.1034% | 2,978 |
| Net operating income to assets | 0.8640% | 2,830 |
| Return on assets (ROA) | 0.8640% | 2,947 |
| Pretax return on assets | 1.0733% | 2,798 |
| Return on Equity (ROE) | 5.8903% | 3,555 |
| Retained earnings to average equity (ytd only) | 1.7422% | 3,858 |
| Net charge-offs to loans | 0.0068% | 2,718 |
| Credit loss provision to net charge-offs | 2,125.0000% | 457 |
| Earnings coverage of net charge-offs (x) | 241.7500% | 381 |
| Efficiency ratio | 65.2783% | 2,619 |
| Assets per employee ($millions) | 6.3879% | 1,869 |
| Cash dividends to net income (ytd only)* | 70.4225% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,702 |
| Loan loss allowance to noncurrent loans | 92.5031% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 1,308 |
| Noncurrent loans to loans | 1.2594% | 1,236 |
| Net loans and leases to total assets | 73.4376% | 1,487 |
| Net loans and leases to deposits | 85.9475% | 1,771 |
| Net loans and leases to core deposits | 88.2414% | 2,219 |
| Total domestic deposits to total assets | 85.4447% | 2,228 |
| Equity capital to assets | 14.1234% | 829 |
| Core capital (leverage) ratio | 13.9516% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,358,667 | 3,206 |
| Average earning assets | $158,590,000 | 3,149 |
| Average equity | $24,107,333 | 2,846 |
| Average total loans | $118,038,667 | 3,003 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 3,404 |
| Cost of funding earning assets | 0.6264% | 3,300 |
| Net interest margin | 3.5127% | 2,940 |
| Noninterest income to average assets | 0.1647% | 4,548 |
| Noninterest expense to average assets | 2.2932% | 3,784 |
| Loan and lease loss provision to assets | 0.0100% | 3,643 |
| Net operating income to assets | 1.0056% | 2,152 |
| Return on assets (ROA) | 1.0056% | 2,263 |
| Pretax return on assets | 1.2476% | 2,042 |
| Return on Equity (ROE) | 6.7218% | 3,056 |
| Retained earnings to average equity (ytd only) | 2.5520% | 3,248 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5819% | 3,134 |
| Assets per employee ($millions) | 6.5654% | 1,312 |
| Cash dividends to net income (ytd only)* | 62.0347% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,443 |
| Loan loss allowance to noncurrent loans | 84.4869% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0211% | 1,286 |
| Noncurrent loans to loans | 1.4697% | 1,089 |
| Net loans and leases to total assets | 68.6165% | 2,450 |
| Net loans and leases to deposits | 80.9062% | 2,588 |
| Net loans and leases to core deposits | 84.2469% | 2,830 |
| Total domestic deposits to total assets | 84.8100% | 2,485 |
| Equity capital to assets | 14.7392% | 826 |
| Core capital (leverage) ratio | 15.1620% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,301,500 | 3,214 |
| Average earning assets | $154,526,000 | 3,150 |
| Average equity | $23,981,500 | 2,852 |
| Average total loans | $112,981,500 | 3,045 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3114% | 3,507 |
| Cost of funding earning assets | 0.6675% | 3,322 |
| Net interest margin | 3.6438% | 2,983 |
| Noninterest income to average assets | 0.2515% | 4,172 |
| Noninterest expense to average assets | 2.3099% | 3,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1649% | 2,197 |
| Return on assets (ROA) | 1.1649% | 2,293 |
| Pretax return on assets | 1.4534% | 1,965 |
| Return on Equity (ROE) | 7.5101% | 3,365 |
| Retained earnings to average equity (ytd only) | 2.8163% | 3,632 |
| Net charge-offs to loans | -0.0035% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3788% | 3,481 |
| Assets per employee ($millions) | 6.0180% | 1,622 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,105 |
| Loan loss allowance to noncurrent loans | 52.2559% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7281% | 533 |
| Noncurrent loans to loans | 2.4159% | 465 |
| Net loans and leases to total assets | 70.6280% | 2,299 |
| Net loans and leases to deposits | 83.5647% | 2,373 |
| Net loans and leases to core deposits | 87.0206% | 2,707 |
| Total domestic deposits to total assets | 84.5190% | 2,674 |
| Equity capital to assets | 15.1921% | 747 |
| Core capital (leverage) ratio | 15.3137% | 625 |
| Tier 1 risk-based capital ratio | 20.5878% | 1,240 |
| Total risk-based capital ratio | 21.8378% | 1,207 |
| Memoranda: | ||
| Average total assets | $151,091,800 | 3,287 |
| Average earning assets | $145,615,400 | 3,214 |
| Average equity | $23,435,000 | 2,840 |
| Average total loans | $113,731,200 | 3,025 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 3,502 |
| Cost of funding earning assets | 0.6621% | 3,388 |
| Net interest margin | 3.6928% | 2,945 |
| Noninterest income to average assets | 0.2618% | 4,176 |
| Noninterest expense to average assets | 2.2713% | 4,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2447% | 2,031 |
| Return on assets (ROA) | 1.2447% | 2,113 |
| Pretax return on assets | 1.5510% | 1,811 |
| Return on Equity (ROE) | 7.9823% | 3,313 |
| Retained earnings to average equity (ytd only) | 3.3003% | 3,760 |
| Net charge-offs to loans | -0.0047% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4223% | 3,745 |
| Assets per employee ($millions) | 6.3176% | 1,379 |
| Cash dividends to net income (ytd only)* | 58.6555% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 2,111 |
| Loan loss allowance to noncurrent loans | 53.5633% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.7398% | 575 |
| Noncurrent loans to loans | 2.3734% | 512 |
| Net loans and leases to total assets | 72.3736% | 2,123 |
| Net loans and leases to deposits | 86.1396% | 2,175 |
| Net loans and leases to core deposits | 89.6367% | 2,572 |
| Total domestic deposits to total assets | 84.0189% | 2,816 |
| Equity capital to assets | 15.6236% | 708 |
| Core capital (leverage) ratio | 15.5181% | 638 |
| Tier 1 risk-based capital ratio | 21.0162% | 1,194 |
| Total risk-based capital ratio | 22.2665% | 1,173 |
| Memoranda: | ||
| Average total assets | $149,747,500 | 3,334 |
| Average earning assets | $144,386,500 | 3,258 |
| Average equity | $23,351,000 | 2,865 |
| Average total loans | $114,183,000 | 3,058 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 3,585 |
| Cost of funding earning assets | 0.6453% | 3,435 |
| Net interest margin | 3.6746% | 3,013 |
| Noninterest income to average assets | 0.3098% | 3,854 |
| Noninterest expense to average assets | 2.3176% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2339% | 2,030 |
| Return on assets (ROA) | 1.2339% | 2,084 |
| Pretax return on assets | 1.5357% | 1,741 |
| Return on Equity (ROE) | 7.9180% | 3,322 |
| Retained earnings to average equity (ytd only) | 3.7868% | 3,360 |
| Net charge-offs to loans | -0.0035% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1462% | 3,703 |
| Assets per employee ($millions) | 6.0410% | 1,514 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,262 |
| Loan loss allowance to noncurrent loans | 66.2752% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 838 |
| Noncurrent loans to loans | 1.8839% | 791 |
| Net loans and leases to total assets | 73.8964% | 1,909 |
| Net loans and leases to deposits | 87.9275% | 2,017 |
| Net loans and leases to core deposits | 92.2559% | 2,393 |
| Total domestic deposits to total assets | 84.0424% | 2,842 |
| Equity capital to assets | 15.5888% | 689 |
| Core capital (leverage) ratio | 15.4006% | 632 |
| Tier 1 risk-based capital ratio | 20.6576% | 1,224 |
| Total risk-based capital ratio | 21.9043% | 1,199 |
| Memoranda: | ||
| Average total assets | $149,122,330 | 3,364 |
| Average earning assets | $143,799,000 | 3,285 |
| Average equity | $23,238,330 | 2,860 |
| Average total loans | $115,194,670 | 3,048 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2674% | 3,655 |
| Cost of funding earning assets | 0.6272% | 3,425 |
| Net interest margin | 3.6402% | 3,107 |
| Noninterest income to average assets | 0.1917% | 4,605 |
| Noninterest expense to average assets | 2.2677% | 4,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1527% | 2,250 |
| Return on assets (ROA) | 1.1527% | 2,303 |
| Pretax return on assets | 1.4335% | 1,977 |
| Return on Equity (ROE) | 7.3984% | 3,499 |
| Retained earnings to average equity (ytd only) | 3.2401% | 3,628 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2691% | 3,641 |
| Assets per employee ($millions) | 6.2528% | 1,374 |
| Cash dividends to net income (ytd only)* | 56.2061% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,459 |
| Loan loss allowance to noncurrent loans | 63.3423% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.6853% | 660 |
| Noncurrent loans to loans | 1.9310% | 781 |
| Net loans and leases to total assets | 75.8779% | 1,506 |
| Net loans and leases to deposits | 90.2095% | 1,599 |
| Net loans and leases to core deposits | 95.0492% | 2,020 |
| Total domestic deposits to total assets | 84.1130% | 3,009 |
| Equity capital to assets | 15.4692% | 659 |
| Core capital (leverage) ratio | 15.8121% | 560 |
| Tier 1 risk-based capital ratio | 20.4333% | 1,257 |
| Total risk-based capital ratio | 21.6773% | 1,237 |
| Memoranda: | ||
| Average total assets | $148,171,000 | 3,411 |
| Average earning assets | $142,849,000 | 3,336 |
| Average equity | $23,086,000 | 2,876 |
| Average total loans | $116,285,500 | 3,058 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 3,394 |
| Cost of funding earning assets | 0.4196% | 3,865 |
| Net interest margin | 3.7961% | 2,671 |
| Noninterest income to average assets | 0.2586% | 4,382 |
| Noninterest expense to average assets | 2.3077% | 4,102 |
| Loan and lease loss provision to assets | 0.2500% | 685 |
| Net operating income to assets | 1.0887% | 2,651 |
| Return on assets (ROA) | 1.0887% | 2,644 |
| Pretax return on assets | 1.3467% | 2,335 |
| Return on Equity (ROE) | 7.1608% | 3,772 |
| Retained earnings to average equity (ytd only) | 2.0001% | 4,354 |
| Net charge-offs to loans | 0.0009% | 3,750 |
| Credit loss provision to net charge-offs | 37,400.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 2,389.0000% | 39 |
| Efficiency ratio | 59.1065% | 3,996 |
| Assets per employee ($millions) | 5.6260% | 1,837 |
| Cash dividends to net income (ytd only)* | 72.0688% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,566 |
| Loan loss allowance to noncurrent loans | 53.3106% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.8069% | 574 |
| Noncurrent loans to loans | 2.2533% | 570 |
| Net loans and leases to total assets | 79.2235% | 1,059 |
| Net loans and leases to deposits | 95.1093% | 1,160 |
| Net loans and leases to core deposits | 99.9164% | 1,723 |
| Total domestic deposits to total assets | 83.2973% | 3,226 |
| Equity capital to assets | 15.6950% | 584 |
| Core capital (leverage) ratio | 15.5116% | 595 |
| Tier 1 risk-based capital ratio | 19.8639% | 1,330 |
| Total risk-based capital ratio | 21.0838% | 1,306 |
| Memoranda: | ||
| Average total assets | $149,627,600 | 3,389 |
| Average earning assets | $143,700,000 | 3,325 |
| Average equity | $22,749,000 | 2,846 |
| Average total loans | $114,552,400 | 3,068 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 3,413 |
| Cost of funding earning assets | 0.3694% | 4,055 |
| Net interest margin | 3.7994% | 2,650 |
| Noninterest income to average assets | 0.1772% | 4,899 |
| Noninterest expense to average assets | 2.2968% | 4,109 |
| Loan and lease loss provision to assets | 0.3314% | 424 |
| Net operating income to assets | 0.9730% | 3,202 |
| Return on assets (ROA) | 0.9730% | 3,215 |
| Pretax return on assets | 1.1945% | 3,004 |
| Return on Equity (ROE) | 6.4501% | 4,129 |
| Retained earnings to average equity (ytd only) | 2.1383% | 4,526 |
| Net charge-offs to loans | 0.0012% | 3,457 |
| Credit loss provision to net charge-offs | 37,400.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 1,726.2707% | 40 |
| Efficiency ratio | 60.0834% | 3,806 |
| Assets per employee ($millions) | 5.7002% | 1,738 |
| Cash dividends to net income (ytd only)* | 66.8488% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,486 |
| Loan loss allowance to noncurrent loans | 45.9134% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.1848% | 454 |
| Noncurrent loans to loans | 2.6665% | 462 |
| Net loans and leases to total assets | 76.7579% | 1,544 |
| Net loans and leases to deposits | 91.8545% | 1,645 |
| Net loans and leases to core deposits | 95.7181% | 2,144 |
| Total domestic deposits to total assets | 83.5647% | 3,098 |
| Equity capital to assets | 15.3720% | 646 |
| Core capital (leverage) ratio | 15.4708% | 602 |
| Tier 1 risk-based capital ratio | 20.0092% | 1,334 |
| Total risk-based capital ratio | 21.2429% | 1,306 |
| Memoranda: | ||
| Average total assets | $150,465,500 | 3,418 |
| Average earning assets | $144,369,500 | 3,351 |
| Average equity | $22,696,750 | 2,860 |
| Average total loans | $113,867,000 | 3,102 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 3,281 |
| Cost of funding earning assets | 0.3308% | 4,201 |
| Net interest margin | 3.8192% | 2,504 |
| Noninterest income to average assets | 0.1785% | 4,931 |
| Noninterest expense to average assets | 2.2920% | 4,162 |
| Loan and lease loss provision to assets | 0.4946% | 228 |
| Net operating income to assets | 0.8650% | 3,606 |
| Return on assets (ROA) | 0.8650% | 3,607 |
| Pretax return on assets | 1.0567% | 3,487 |
| Return on Equity (ROE) | 5.7702% | 4,320 |
| Retained earnings to average equity (ytd only) | 2.9998% | 4,053 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6352% | 3,986 |
| Assets per employee ($millions) | 6.0409% | 1,433 |
| Cash dividends to net income (ytd only)* | 48.0122% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,520 |
| Loan loss allowance to noncurrent loans | 48.1570% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0467% | 518 |
| Noncurrent loans to loans | 2.5655% | 502 |
| Net loans and leases to total assets | 74.6873% | 1,837 |
| Net loans and leases to deposits | 89.0477% | 1,970 |
| Net loans and leases to core deposits | 92.3013% | 2,377 |
| Total domestic deposits to total assets | 83.8733% | 3,112 |
| Equity capital to assets | 15.0858% | 670 |
| Core capital (leverage) ratio | 15.2965% | 617 |
| Tier 1 risk-based capital ratio | 19.9358% | 1,328 |
| Total risk-based capital ratio | 21.1671% | 1,309 |
| Memoranda: | ||
| Average total assets | $151,219,000 | 3,415 |
| Average earning assets | $145,110,670 | 3,356 |
| Average equity | $22,668,330 | 2,872 |
| Average total loans | $113,433,000 | 3,117 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 2,564 |
| Cost of funding earning assets | 0.2975% | 4,370 |
| Net interest margin | 3.9913% | 1,753 |
| Noninterest income to average assets | 0.1930% | 4,863 |
| Noninterest expense to average assets | 2.2919% | 4,205 |
| Loan and lease loss provision to assets | 0.9887% | 87 |
| Net operating income to assets | 0.6186% | 4,370 |
| Return on assets (ROA) | 0.6186% | 4,380 |
| Pretax return on assets | 0.7428% | 4,317 |
| Return on Equity (ROE) | 4.1396% | 4,734 |
| Retained earnings to average equity (ytd only) | 2.7066% | 4,091 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9645% | 4,471 |
| Assets per employee ($millions) | 6.0204% | 1,500 |
| Cash dividends to net income (ytd only)* | 34.6154% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,578 |
| Loan loss allowance to noncurrent loans | 46.0810% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.1287% | 504 |
| Noncurrent loans to loans | 2.6909% | 476 |
| Net loans and leases to total assets | 74.6663% | 1,759 |
| Net loans and leases to deposits | 89.6466% | 1,727 |
| Net loans and leases to core deposits | 90.9290% | 2,379 |
| Total domestic deposits to total assets | 83.2896% | 3,585 |
| Equity capital to assets | 15.0408% | 662 |
| Core capital (leverage) ratio | 15.0467% | 650 |
| Tier 1 risk-based capital ratio | 20.0278% | 1,338 |
| Total risk-based capital ratio | 21.2767% | 1,307 |
| Memoranda: | ||
| Average total assets | $151,317,000 | 3,452 |
| Average earning assets | $145,217,000 | 3,390 |
| Average equity | $22,611,000 | 2,902 |
| Average total loans | $113,046,500 | 3,143 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 3,568 |
| Cost of funding earning assets | 0.3041% | 4,095 |
| Net interest margin | 3.6462% | 2,996 |
| Noninterest income to average assets | 0.1771% | 5,068 |
| Noninterest expense to average assets | 2.2576% | 4,426 |
| Loan and lease loss provision to assets | 0.3787% | 399 |
| Net operating income to assets | 0.5333% | 4,282 |
| Return on assets (ROA) | 0.5333% | 4,316 |
| Pretax return on assets | 1.0429% | 3,404 |
| Return on Equity (ROE) | 3.5304% | 4,676 |
| Retained earnings to average equity (ytd only) | 0.3544% | 4,884 |
| Net charge-offs to loans | 0.9811% | 187 |
| Credit loss provision to net charge-offs | 54.0057% | 3,282 |
| Earnings coverage of net charge-offs (x) | 2.0273% | 3,811 |
| Efficiency ratio | 61.3616% | 4,041 |
| Assets per employee ($millions) | 6.0849% | 1,463 |
| Cash dividends to net income (ytd only)* | 89.9628% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,354 |
| Loan loss allowance to noncurrent loans | 28.8456% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.4441% | 391 |
| Noncurrent loans to loans | 3.2012% | 335 |
| Net loans and leases to total assets | 73.1408% | 2,070 |
| Net loans and leases to deposits | 87.6419% | 2,056 |
| Net loans and leases to core deposits | 89.4830% | 2,614 |
| Total domestic deposits to total assets | 83.4542% | 3,396 |
| Equity capital to assets | 14.8459% | 711 |
| Core capital (leverage) ratio | 14.9235% | 635 |
| Tier 1 risk-based capital ratio | 19.9864% | 1,325 |
| Total risk-based capital ratio | 20.9127% | 1,354 |
| Memoranda: | ||
| Average total assets | $151,308,800 | 3,455 |
| Average earning assets | $145,329,600 | 3,379 |
| Average equity | $22,858,400 | 2,873 |
| Average total loans | $108,146,800 | 3,212 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 3,310 |
| Cost of funding earning assets | 0.3050% | 4,086 |
| Net interest margin | 3.7074% | 2,731 |
| Noninterest income to average assets | 0.1650% | 5,193 |
| Noninterest expense to average assets | 2.2465% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0385% | 2,379 |
| Return on assets (ROA) | 1.0385% | 2,415 |
| Pretax return on assets | 1.4797% | 1,844 |
| Return on Equity (ROE) | 6.8447% | 3,752 |
| Retained earnings to average equity (ytd only) | 4.6291% | 3,123 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2889% | 4,165 |
| Assets per employee ($millions) | 5.9646% | 1,521 |
| Cash dividends to net income (ytd only)* | 32.3707% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,888 |
| Loan loss allowance to noncurrent loans | 49.1460% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.0810% | 605 |
| Noncurrent loans to loans | 2.8501% | 471 |
| Net loans and leases to total assets | 71.9899% | 2,257 |
| Net loans and leases to deposits | 87.2010% | 2,155 |
| Net loans and leases to core deposits | 89.2810% | 2,673 |
| Total domestic deposits to total assets | 82.5563% | 3,602 |
| Equity capital to assets | 15.6645% | 608 |
| Core capital (leverage) ratio | 15.6044% | 560 |
| Tier 1 risk-based capital ratio | 21.2521% | 1,152 |
| Total risk-based capital ratio | 22.5037% | 1,135 |
| Memoranda: | ||
| Average total assets | $151,105,250 | 3,485 |
| Average earning assets | $145,145,750 | 3,409 |
| Average equity | $22,927,000 | 2,888 |
| Average total loans | $107,108,250 | 3,256 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 3,227 |
| Cost of funding earning assets | 0.3074% | 4,014 |
| Net interest margin | 3.6864% | 2,699 |
| Noninterest income to average assets | 0.1687% | 5,211 |
| Noninterest expense to average assets | 2.3048% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9883% | 2,481 |
| Return on assets (ROA) | 0.9883% | 2,531 |
| Pretax return on assets | 1.4034% | 2,008 |
| Return on Equity (ROE) | 6.5838% | 3,785 |
| Retained earnings to average equity (ytd only) | 4.9949% | 2,711 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1535% | 3,967 |
| Assets per employee ($millions) | 5.9664% | 1,491 |
| Cash dividends to net income (ytd only)* | 24.1333% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 1,871 |
| Loan loss allowance to noncurrent loans | 49.5774% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.0622% | 600 |
| Noncurrent loans to loans | 2.8598% | 469 |
| Net loans and leases to total assets | 71.0869% | 2,356 |
| Net loans and leases to deposits | 85.9549% | 2,232 |
| Net loans and leases to core deposits | 87.9936% | 2,700 |
| Total domestic deposits to total assets | 82.7026% | 3,655 |
| Equity capital to assets | 15.5007% | 614 |
| Core capital (leverage) ratio | 15.2824% | 582 |
| Tier 1 risk-based capital ratio | 21.2142% | 1,153 |
| Total risk-based capital ratio | 22.4666% | 1,134 |
| Memoranda: | ||
| Average total assets | $151,769,000 | 3,496 |
| Average earning assets | $145,726,330 | 3,418 |
| Average equity | $22,783,330 | 2,906 |
| Average total loans | $106,520,330 | 3,276 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7846% | 3,813 |
| Cost of funding earning assets | 0.3043% | 4,002 |
| Net interest margin | 3.4803% | 3,352 |
| Noninterest income to average assets | 0.1725% | 5,246 |
| Noninterest expense to average assets | 2.3832% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8101% | 3,175 |
| Return on assets (ROA) | 0.8101% | 3,233 |
| Pretax return on assets | 1.1367% | 2,837 |
| Return on Equity (ROE) | 5.4832% | 4,156 |
| Retained earnings to average equity (ytd only) | 2.8124% | 4,004 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7060% | 3,251 |
| Assets per employee ($millions) | 6.0259% | 1,494 |
| Cash dividends to net income (ytd only)* | 48.7097% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,905 |
| Loan loss allowance to noncurrent loans | 38.0015% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 2.6638% | 407 |
| Noncurrent loans to loans | 3.7877% | 293 |
| Net loans and leases to total assets | 69.3166% | 2,488 |
| Net loans and leases to deposits | 84.0915% | 2,273 |
| Net loans and leases to core deposits | 86.7857% | 2,659 |
| Total domestic deposits to total assets | 82.4299% | 4,048 |
| Equity capital to assets | 15.0662% | 643 |
| Core capital (leverage) ratio | 14.8207% | 641 |
| Tier 1 risk-based capital ratio | 21.2299% | 1,189 |
| Total risk-based capital ratio | 22.4825% | 1,171 |
| Memoranda: | ||
| Average total assets | $153,073,000 | 3,513 |
| Average earning assets | $147,228,500 | 3,435 |
| Average equity | $22,614,500 | 2,933 |
| Average total loans | $106,001,000 | 3,300 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8183% | 3,842 |
| Cost of funding earning assets | 0.3598% | 3,416 |
| Net interest margin | 3.4586% | 3,593 |
| Noninterest income to average assets | 0.1657% | 5,385 |
| Noninterest expense to average assets | 2.6673% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5993% | 4,206 |
| Return on assets (ROA) | 0.5993% | 4,320 |
| Pretax return on assets | 0.8172% | 4,140 |
| Return on Equity (ROE) | 3.7874% | 4,907 |
| Retained earnings to average equity (ytd only) | -5.2389% | 5,683 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5486% | 1,913 |
| Assets per employee ($millions) | 6.2199% | 1,317 |
| Cash dividends to net income (ytd only)* | 238.3260% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,928 |
| Loan loss allowance to noncurrent loans | 37.3408% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 2.6264% | 435 |
| Noncurrent loans to loans | 3.8509% | 286 |
| Net loans and leases to total assets | 67.2214% | 2,898 |
| Net loans and leases to deposits | 80.8402% | 2,796 |
| Net loans and leases to core deposits | 83.8888% | 3,034 |
| Total domestic deposits to total assets | 83.1535% | 3,717 |
| Equity capital to assets | 14.4902% | 734 |
| Core capital (leverage) ratio | 14.5210% | 692 |
| Tier 1 risk-based capital ratio | 21.2144% | 1,173 |
| Total risk-based capital ratio | 22.4665% | 1,158 |
| Memoranda: | ||
| Average total assets | $151,499,400 | 3,499 |
| Average earning assets | $145,377,000 | 3,429 |
| Average equity | $23,974,400 | 2,800 |
| Average total loans | $100,687,600 | 3,369 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 3,844 |
| Cost of funding earning assets | 0.3724% | 3,308 |
| Net interest margin | 3.4550% | 3,651 |
| Noninterest income to average assets | 0.1559% | 5,494 |
| Noninterest expense to average assets | 2.3663% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7867% | 3,428 |
| Return on assets (ROA) | 0.7867% | 3,568 |
| Pretax return on assets | 1.1021% | 3,225 |
| Return on Equity (ROE) | 4.8653% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.8653% | 2,913 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2248% | 3,185 |
| Assets per employee ($millions) | 6.0911% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 1,796 |
| Loan loss allowance to noncurrent loans | 36.6059% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.7358% | 470 |
| Noncurrent loans to loans | 4.0711% | 265 |
| Net loans and leases to total assets | 66.1984% | 3,089 |
| Net loans and leases to deposits | 81.1164% | 2,839 |
| Net loans and leases to core deposits | 84.3020% | 3,094 |
| Total domestic deposits to total assets | 81.6092% | 4,074 |
| Equity capital to assets | 16.2841% | 513 |
| Core capital (leverage) ratio | 16.5247% | 412 |
| Tier 1 risk-based capital ratio | 24.0819% | 895 |
| Total risk-based capital ratio | 25.3349% | 874 |
| Memoranda: | ||
| Average total assets | $150,499,750 | 3,529 |
| Average earning assets | $144,288,250 | 3,460 |
| Average equity | $24,335,000 | 2,792 |
| Average total loans | $99,346,250 | 3,407 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 3,544 |
| Cost of funding earning assets | 0.3943% | 3,106 |
| Net interest margin | 3.5250% | 3,390 |
| Noninterest income to average assets | 0.1641% | 5,501 |
| Noninterest expense to average assets | 2.3975% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8112% | 3,259 |
| Return on assets (ROA) | 0.8112% | 3,389 |
| Pretax return on assets | 1.1420% | 3,027 |
| Return on Equity (ROE) | 5.0287% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.0287% | 2,724 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7346% | 3,392 |
| Assets per employee ($millions) | 5.9054% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 1,720 |
| Loan loss allowance to noncurrent loans | 60.0394% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.7205% | 1,035 |
| Noncurrent loans to loans | 2.5629% | 668 |
| Net loans and leases to total assets | 66.0979% | 3,064 |
| Net loans and leases to deposits | 81.4053% | 2,769 |
| Net loans and leases to core deposits | 84.7170% | 3,013 |
| Total domestic deposits to total assets | 81.1961% | 4,218 |
| Equity capital to assets | 16.6181% | 477 |
| Core capital (leverage) ratio | 16.3539% | 421 |
| Tier 1 risk-based capital ratio | 24.5871% | 844 |
| Total risk-based capital ratio | 25.8408% | 835 |
| Memoranda: | ||
| Average total assets | $149,907,330 | 3,563 |
| Average earning assets | $143,545,000 | 3,485 |
| Average equity | $24,181,000 | 2,818 |
| Average total loans | $98,351,670 | 3,434 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 3,610 |
| Cost of funding earning assets | 0.4115% | 2,941 |
| Net interest margin | 3.4825% | 3,550 |
| Noninterest income to average assets | 0.1562% | 5,556 |
| Noninterest expense to average assets | 2.4099% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7759% | 3,371 |
| Return on assets (ROA) | 0.7759% | 3,471 |
| Pretax return on assets | 1.0858% | 3,146 |
| Return on Equity (ROE) | 4.8824% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.8824% | 3,008 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9394% | 3,306 |
| Assets per employee ($millions) | 5.9588% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5439% | 1,810 |
| Loan loss allowance to noncurrent loans | 80.8161% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2667% | 1,710 |
| Noncurrent loans to loans | 1.9103% | 1,140 |
| Net loans and leases to total assets | 65.2841% | 3,068 |
| Net loans and leases to deposits | 80.6958% | 2,703 |
| Net loans and leases to core deposits | 83.9575% | 2,941 |
| Total domestic deposits to total assets | 80.9014% | 4,521 |
| Equity capital to assets | 16.2403% | 506 |
| Core capital (leverage) ratio | 15.9233% | 483 |
| Tier 1 risk-based capital ratio | 24.7733% | 838 |
| Total risk-based capital ratio | 26.0274% | 820 |
| Memoranda: | ||
| Average total assets | $151,044,000 | 3,570 |
| Average earning assets | $144,840,000 | 3,489 |
| Average equity | $24,004,500 | 2,834 |
| Average total loans | $97,973,500 | 3,453 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1930% | 2,586 |
| Cost of funding earning assets | 0.4454% | 2,676 |
| Net interest margin | 3.7477% | 2,566 |
| Noninterest income to average assets | 0.1643% | 5,596 |
| Noninterest expense to average assets | 2.4359% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9378% | 2,669 |
| Return on assets (ROA) | 0.9378% | 2,751 |
| Pretax return on assets | 1.3243% | 2,181 |
| Return on Equity (ROE) | 5.9149% | 4,069 |
| Retained earnings to average equity (ytd only) | 4.3072% | 2,913 |
| Net charge-offs to loans | 0.0920% | 2,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 21.8315% | 1,797 |
| Efficiency ratio | 64.7816% | 4,119 |
| Assets per employee ($millions) | 5.8892% | 1,476 |
| Cash dividends to net income (ytd only)* | 27.1802% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 1,724 |
| Loan loss allowance to noncurrent loans | 78.7300% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.2650% | 1,686 |
| Noncurrent loans to loans | 1.9934% | 1,049 |
| Net loans and leases to total assets | 62.4638% | 3,492 |
| Net loans and leases to deposits | 76.4369% | 3,199 |
| Net loans and leases to core deposits | 79.9258% | 3,354 |
| Total domestic deposits to total assets | 81.7194% | 4,253 |
| Equity capital to assets | 15.5539% | 589 |
| Core capital (leverage) ratio | 15.6870% | 503 |
| Tier 1 risk-based capital ratio | 25.1192% | 806 |
| Total risk-based capital ratio | 26.3736% | 790 |
| Memoranda: | ||
| Average total assets | $146,720,600 | 3,618 |
| Average earning assets | $140,781,400 | 3,528 |
| Average equity | $23,263,400 | 2,852 |
| Average total loans | $96,786,200 | 3,443 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2964% | 2,243 |
| Cost of funding earning assets | 0.4476% | 2,714 |
| Net interest margin | 3.8488% | 2,194 |
| Noninterest income to average assets | 0.1553% | 5,711 |
| Noninterest expense to average assets | 2.4485% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9877% | 2,530 |
| Return on assets (ROA) | 0.9877% | 2,612 |
| Pretax return on assets | 1.3965% | 2,027 |
| Return on Equity (ROE) | 6.1980% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.0416% | 3,586 |
| Net charge-offs to loans | 0.1227% | 1,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 17.0792% | 2,077 |
| Efficiency ratio | 63.6798% | 4,303 |
| Assets per employee ($millions) | 5.9442% | 1,412 |
| Cash dividends to net income (ytd only)* | 34.7903% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,831 |
| Loan loss allowance to noncurrent loans | 76.3000% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.3458% | 1,739 |
| Noncurrent loans to loans | 2.0815% | 1,101 |
| Net loans and leases to total assets | 63.6318% | 3,360 |
| Net loans and leases to deposits | 78.2859% | 3,072 |
| Net loans and leases to core deposits | 81.9908% | 3,249 |
| Total domestic deposits to total assets | 81.2812% | 4,401 |
| Equity capital to assets | 15.8817% | 577 |
| Core capital (leverage) ratio | 16.1014% | 477 |
| Tier 1 risk-based capital ratio | 25.1444% | 841 |
| Total risk-based capital ratio | 26.3991% | 827 |
| Memoranda: | ||
| Average total assets | $145,121,000 | 3,680 |
| Average earning assets | $139,121,750 | 3,584 |
| Average equity | $23,125,250 | 2,889 |
| Average total loans | $96,690,500 | 3,475 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 1,866 |
| Cost of funding earning assets | 0.4469% | 2,765 |
| Net interest margin | 3.9471% | 1,824 |
| Noninterest income to average assets | 0.1556% | 5,774 |
| Noninterest expense to average assets | 2.4785% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0350% | 2,203 |
| Return on assets (ROA) | 1.0350% | 2,319 |
| Pretax return on assets | 1.4685% | 1,735 |
| Return on Equity (ROE) | 6.4877% | 3,888 |
| Retained earnings to average equity (ytd only) | 3.2308% | 3,994 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7948% | 4,547 |
| Assets per employee ($millions) | 5.7762% | 1,517 |
| Cash dividends to net income (ytd only)* | 50.2013% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6613% | 1,710 |
| Loan loss allowance to noncurrent loans | 83.0674% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 1.3455% | 1,864 |
| Noncurrent loans to loans | 2.0000% | 1,220 |
| Net loans and leases to total assets | 66.1602% | 2,922 |
| Net loans and leases to deposits | 81.6906% | 2,598 |
| Net loans and leases to core deposits | 85.6812% | 2,797 |
| Total domestic deposits to total assets | 80.9888% | 4,621 |
| Equity capital to assets | 16.0889% | 521 |
| Core capital (leverage) ratio | 15.9143% | 478 |
| Tier 1 risk-based capital ratio | 24.8342% | 879 |
| Total risk-based capital ratio | 26.0899% | 866 |
| Memoranda: | ||
| Average total assets | $143,959,670 | 3,717 |
| Average earning assets | $138,280,330 | 3,626 |
| Average equity | $22,966,670 | 2,915 |
| Average total loans | $96,892,000 | 3,492 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 2,666 |
| Cost of funding earning assets | 0.4435% | 2,847 |
| Net interest margin | 3.6984% | 2,622 |
| Noninterest income to average assets | 0.1670% | 5,732 |
| Noninterest expense to average assets | 2.5602% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8293% | 3,121 |
| Return on assets (ROA) | 0.8293% | 3,245 |
| Pretax return on assets | 1.1577% | 2,844 |
| Return on Equity (ROE) | 5.2204% | 4,417 |
| Retained earnings to average equity (ytd only) | -1.3314% | 5,592 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8623% | 3,688 |
| Assets per employee ($millions) | 5.9849% | 1,413 |
| Cash dividends to net income (ytd only)* | 125.5034% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 1,853 |
| Loan loss allowance to noncurrent loans | 64.4311% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.7440% | 1,421 |
| Noncurrent loans to loans | 2.5766% | 929 |
| Net loans and leases to total assets | 66.5618% | 2,680 |
| Net loans and leases to deposits | 82.0508% | 2,333 |
| Net loans and leases to core deposits | 86.0713% | 2,542 |
| Total domestic deposits to total assets | 81.1227% | 4,795 |
| Equity capital to assets | 15.8927% | 557 |
| Core capital (leverage) ratio | 15.8651% | 482 |
| Tier 1 risk-based capital ratio | 24.6727% | 918 |
| Total risk-based capital ratio | 25.9286% | 900 |
| Memoranda: | ||
| Average total assets | $143,737,500 | 3,747 |
| Average earning assets | $138,004,500 | 3,656 |
| Average equity | $22,833,500 | 2,943 |
| Average total loans | $96,762,000 | 3,508 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,718 |
| Cost of funding earning assets | 0.4524% | 3,144 |
| Net interest margin | 3.8133% | 2,577 |
| Noninterest income to average assets | 0.1870% | 5,737 |
| Noninterest expense to average assets | 2.4961% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9419% | 2,661 |
| Return on assets (ROA) | 0.9419% | 2,755 |
| Pretax return on assets | 1.3186% | 2,182 |
| Return on Equity (ROE) | 6.0315% | 4,130 |
| Retained earnings to average equity (ytd only) | 6.0315% | 1,908 |
| Net charge-offs to loans | 0.0107% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 186.9000% | 284 |
| Efficiency ratio | 65.4337% | 4,333 |
| Assets per employee ($millions) | 5.5322% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 1,840 |
| Loan loss allowance to noncurrent loans | 63.0469% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.7798% | 1,469 |
| Noncurrent loans to loans | 2.6583% | 924 |
| Net loans and leases to total assets | 65.8301% | 2,912 |
| Net loans and leases to deposits | 81.0491% | 2,594 |
| Net loans and leases to core deposits | 85.0013% | 2,782 |
| Total domestic deposits to total assets | 81.2225% | 4,673 |
| Equity capital to assets | 15.8784% | 554 |
| Core capital (leverage) ratio | 15.8065% | 490 |
| Tier 1 risk-based capital ratio | 25.2877% | 811 |
| Total risk-based capital ratio | 26.5451% | 799 |
| Memoranda: | ||
| Average total assets | $141,738,400 | 3,764 |
| Average earning assets | $134,842,400 | 3,679 |
| Average equity | $22,133,800 | 2,935 |
| Average total loans | $93,159,600 | 3,563 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,794 |
| Cost of funding earning assets | 0.4534% | 3,204 |
| Net interest margin | 3.8006% | 2,623 |
| Noninterest income to average assets | 0.1860% | 5,809 |
| Noninterest expense to average assets | 2.4454% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9640% | 2,628 |
| Return on assets (ROA) | 0.9640% | 2,695 |
| Pretax return on assets | 1.3492% | 2,199 |
| Return on Equity (ROE) | 6.1997% | 4,132 |
| Retained earnings to average equity (ytd only) | 6.1997% | 2,274 |
| Net charge-offs to loans | 0.0130% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 158.7742% | 392 |
| Efficiency ratio | 64.4439% | 4,474 |
| Assets per employee ($millions) | 5.8273% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 1,893 |
| Loan loss allowance to noncurrent loans | 61.6177% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.7991% | 1,654 |
| Noncurrent loans to loans | 2.8030% | 992 |
| Net loans and leases to total assets | 63.0771% | 3,332 |
| Net loans and leases to deposits | 77.2396% | 3,039 |
| Net loans and leases to core deposits | 80.9322% | 3,204 |
| Total domestic deposits to total assets | 81.6642% | 4,605 |
| Equity capital to assets | 15.4384% | 643 |
| Core capital (leverage) ratio | 15.8310% | 499 |
| Tier 1 risk-based capital ratio | 26.0544% | 783 |
| Total risk-based capital ratio | 27.3124% | 760 |
| Memoranda: | ||
| Average total assets | $141,213,750 | 3,803 |
| Average earning assets | $134,080,250 | 3,720 |
| Average equity | $21,957,500 | 2,957 |
| Average total loans | $92,374,000 | 3,615 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3171% | 2,530 |
| Cost of funding earning assets | 0.4570% | 3,240 |
| Net interest margin | 3.8601% | 2,335 |
| Noninterest income to average assets | 0.2018% | 5,752 |
| Noninterest expense to average assets | 2.4491% | 4,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0020% | 2,315 |
| Return on assets (ROA) | 1.0020% | 2,386 |
| Pretax return on assets | 1.4042% | 1,877 |
| Return on Equity (ROE) | 6.4280% | 3,924 |
| Retained earnings to average equity (ytd only) | 6.4280% | 2,076 |
| Net charge-offs to loans | 0.0196% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 523 |
| Efficiency ratio | 63.5587% | 4,761 |
| Assets per employee ($millions) | 5.8071% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 1,915 |
| Loan loss allowance to noncurrent loans | 67.6581% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.7127% | 1,907 |
| Noncurrent loans to loans | 2.6198% | 1,165 |
| Net loans and leases to total assets | 64.2168% | 3,043 |
| Net loans and leases to deposits | 79.2328% | 2,624 |
| Net loans and leases to core deposits | 83.2239% | 2,822 |
| Total domestic deposits to total assets | 81.0483% | 4,964 |
| Equity capital to assets | 15.9216% | 568 |
| Core capital (leverage) ratio | 16.0091% | 476 |
| Tier 1 risk-based capital ratio | 26.1818% | 750 |
| Total risk-based capital ratio | 27.4406% | 739 |
| Memoranda: | ||
| Average total assets | $139,724,330 | 3,854 |
| Average earning assets | $132,173,330 | 3,766 |
| Average equity | $21,779,670 | 2,974 |
| Average total loans | $91,996,330 | 3,638 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 2,825 |
| Cost of funding earning assets | 0.4564% | 3,358 |
| Net interest margin | 3.7570% | 2,653 |
| Noninterest income to average assets | 0.1944% | 5,797 |
| Noninterest expense to average assets | 2.4675% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9235% | 2,535 |
| Return on assets (ROA) | 0.9235% | 2,608 |
| Pretax return on assets | 1.2809% | 2,172 |
| Return on Equity (ROE) | 5.9886% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.9886% | 2,552 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8276% | 4,559 |
| Assets per employee ($millions) | 5.6201% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 2,159 |
| Loan loss allowance to noncurrent loans | 56.8627% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 2.0854% | 1,614 |
| Noncurrent loans to loans | 3.0930% | 1,014 |
| Net loans and leases to total assets | 64.5635% | 2,799 |
| Net loans and leases to deposits | 79.2987% | 2,392 |
| Net loans and leases to core deposits | 83.2374% | 2,610 |
| Total domestic deposits to total assets | 81.4181% | 5,116 |
| Equity capital to assets | 15.4795% | 602 |
| Core capital (leverage) ratio | 15.7552% | 508 |
| Tier 1 risk-based capital ratio | 25.3870% | 849 |
| Total risk-based capital ratio | 26.6462% | 833 |
| Memoranda: | ||
| Average total assets | $139,901,500 | 3,881 |
| Average earning assets | $132,340,500 | 3,796 |
| Average equity | $21,574,500 | 2,988 |
| Average total loans | $92,437,500 | 3,645 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 2,536 |
| Cost of funding earning assets | 0.4979% | 3,639 |
| Net interest margin | 3.9155% | 2,234 |
| Noninterest income to average assets | 0.2795% | 5,358 |
| Noninterest expense to average assets | 2.5610% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0361% | 2,177 |
| Return on assets (ROA) | 1.0361% | 2,245 |
| Pretax return on assets | 1.4481% | 1,624 |
| Return on Equity (ROE) | 6.8969% | 3,618 |
| Retained earnings to average equity (ytd only) | 6.8969% | 1,478 |
| Net charge-offs to loans | -0.0186% | 6,125 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8794% | 4,918 |
| Assets per employee ($millions) | 5.3577% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 2,217 |
| Loan loss allowance to noncurrent loans | 69.5801% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 1.7286% | 2,137 |
| Noncurrent loans to loans | 2.5222% | 1,492 |
| Net loans and leases to total assets | 65.2644% | 2,811 |
| Net loans and leases to deposits | 79.2486% | 2,558 |
| Net loans and leases to core deposits | 82.9008% | 2,786 |
| Total domestic deposits to total assets | 82.3540% | 4,748 |
| Equity capital to assets | 15.3624% | 609 |
| Core capital (leverage) ratio | 15.3896% | 558 |
| Tier 1 risk-based capital ratio | 25.4089% | 818 |
| Total risk-based capital ratio | 26.6680% | 805 |
| Memoranda: | ||
| Average total assets | $138,110,200 | 3,917 |
| Average earning assets | $131,553,000 | 3,811 |
| Average equity | $20,748,600 | 3,079 |
| Average total loans | $91,583,200 | 3,654 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 2,506 |
| Cost of funding earning assets | 0.5077% | 3,695 |
| Net interest margin | 3.9182% | 2,203 |
| Noninterest income to average assets | 0.3067% | 5,247 |
| Noninterest expense to average assets | 2.5628% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0449% | 2,205 |
| Return on assets (ROA) | 1.0449% | 2,283 |
| Pretax return on assets | 1.4773% | 1,678 |
| Return on Equity (ROE) | 6.9949% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.9949% | 1,877 |
| Net charge-offs to loans | -0.0248% | 6,114 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4339% | 4,897 |
| Assets per employee ($millions) | 5.6577% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 2,400 |
| Loan loss allowance to noncurrent loans | 67.7796% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 1.6940% | 2,430 |
| Noncurrent loans to loans | 2.6086% | 1,633 |
| Net loans and leases to total assets | 63.7889% | 3,027 |
| Net loans and leases to deposits | 77.1167% | 2,807 |
| Net loans and leases to core deposits | 80.5947% | 3,061 |
| Total domestic deposits to total assets | 82.7174% | 4,676 |
| Equity capital to assets | 14.9007% | 730 |
| Core capital (leverage) ratio | 15.2378% | 604 |
| Tier 1 risk-based capital ratio | 25.3155% | 850 |
| Total risk-based capital ratio | 26.5753% | 833 |
| Memoranda: | ||
| Average total assets | $137,812,500 | 3,957 |
| Average earning assets | $131,314,250 | 3,856 |
| Average equity | $20,585,750 | 3,129 |
| Average total loans | $91,344,500 | 3,682 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 2,320 |
| Cost of funding earning assets | 0.5232% | 3,676 |
| Net interest margin | 3.9446% | 2,065 |
| Noninterest income to average assets | 0.2167% | 5,888 |
| Noninterest expense to average assets | 2.5636% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0073% | 2,299 |
| Return on assets (ROA) | 1.0073% | 2,435 |
| Pretax return on assets | 1.4173% | 1,870 |
| Return on Equity (ROE) | 6.7377% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.7377% | 2,014 |
| Net charge-offs to loans | -0.0373% | 6,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3987% | 4,812 |
| Assets per employee ($millions) | 4.8905% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7654% | 2,546 |
| Loan loss allowance to noncurrent loans | 79.2195% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.4971% | 2,859 |
| Noncurrent loans to loans | 2.2285% | 2,138 |
| Net loans and leases to total assets | 65.9926% | 2,596 |
| Net loans and leases to deposits | 80.0225% | 2,313 |
| Net loans and leases to core deposits | 83.9546% | 2,571 |
| Total domestic deposits to total assets | 82.4676% | 4,891 |
| Equity capital to assets | 15.1269% | 689 |
| Core capital (leverage) ratio | 15.0353% | 606 |
| Tier 1 risk-based capital ratio | 24.9663% | 877 |
| Total risk-based capital ratio | 26.2262% | 861 |
| Memoranda: | ||
| Average total assets | $136,602,330 | 4,007 |
| Average earning assets | $130,355,670 | 3,899 |
| Average equity | $20,422,330 | 3,165 |
| Average total loans | $91,176,330 | 3,696 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 2,021 |
| Cost of funding earning assets | 0.5414% | 3,657 |
| Net interest margin | 3.9987% | 1,790 |
| Noninterest income to average assets | 0.2727% | 5,498 |
| Noninterest expense to average assets | 2.7383% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9616% | 2,390 |
| Return on assets (ROA) | 0.9616% | 2,521 |
| Pretax return on assets | 1.3457% | 2,055 |
| Return on Equity (ROE) | 6.4705% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.4705% | 2,420 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0495% | 4,484 |
| Assets per employee ($millions) | 5.2490% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 2,635 |
| Loan loss allowance to noncurrent loans | 68.1221% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.7285% | 2,697 |
| Noncurrent loans to loans | 2.6363% | 1,954 |
| Net loans and leases to total assets | 64.3908% | 2,633 |
| Net loans and leases to deposits | 77.9755% | 2,340 |
| Net loans and leases to core deposits | 81.8121% | 2,596 |
| Total domestic deposits to total assets | 82.5782% | 4,998 |
| Equity capital to assets | 14.9781% | 762 |
| Core capital (leverage) ratio | 15.0708% | 584 |
| Tier 1 risk-based capital ratio | 25.9521% | 785 |
| Total risk-based capital ratio | 27.2135% | 777 |
| Memoranda: | ||
| Average total assets | $136,436,000 | 4,053 |
| Average earning assets | $130,042,000 | 3,939 |
| Average equity | $20,276,500 | 3,219 |
| Average total loans | $90,769,000 | 3,731 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 2,351 |
| Cost of funding earning assets | 0.6446% | 3,961 |
| Net interest margin | 4.1179% | 1,933 |
| Noninterest income to average assets | 0.1443% | 6,310 |
| Noninterest expense to average assets | 2.6941% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9900% | 2,383 |
| Return on assets (ROA) | 0.9900% | 2,605 |
| Pretax return on assets | 1.3701% | 2,145 |
| Return on Equity (ROE) | 6.8516% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.8516% | 1,639 |
| Net charge-offs to loans | -0.0033% | 6,358 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2884% | 4,445 |
| Assets per employee ($millions) | 4.8714% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7457% | 2,770 |
| Loan loss allowance to noncurrent loans | 63.6940% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.1027% | 2,331 |
| Noncurrent loans to loans | 2.7408% | 1,931 |
| Net loans and leases to total assets | 66.3113% | 2,478 |
| Net loans and leases to deposits | 79.9738% | 2,283 |
| Net loans and leases to core deposits | 83.8848% | 2,565 |
| Total domestic deposits to total assets | 82.9163% | 4,757 |
| Equity capital to assets | 14.7450% | 810 |
| Core capital (leverage) ratio | 14.6336% | 646 |
| Tier 1 risk-based capital ratio | 25.4208% | 808 |
| Total risk-based capital ratio | 26.6817% | 800 |
| Memoranda: | ||
| Average total assets | $134,442,200 | 4,050 |
| Average earning assets | $127,978,800 | 3,946 |
| Average equity | $19,426,200 | 3,270 |
| Average total loans | $89,986,200 | 3,747 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 2,424 |
| Cost of funding earning assets | 0.6627% | 4,080 |
| Net interest margin | 4.1276% | 1,990 |
| Noninterest income to average assets | 0.1264% | 6,503 |
| Noninterest expense to average assets | 2.6427% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0163% | 2,422 |
| Return on assets (ROA) | 1.0163% | 2,655 |
| Pretax return on assets | 1.4144% | 2,186 |
| Return on Equity (ROE) | 7.0699% | 3,766 |
| Retained earnings to average equity (ytd only) | 7.0699% | 2,085 |
| Net charge-offs to loans | -0.0045% | 6,264 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1374% | 4,604 |
| Assets per employee ($millions) | 5.0038% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 2,900 |
| Loan loss allowance to noncurrent loans | 61.7365% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.1821% | 2,455 |
| Noncurrent loans to loans | 2.8663% | 1,959 |
| Net loans and leases to total assets | 66.0286% | 2,645 |
| Net loans and leases to deposits | 79.5999% | 2,458 |
| Net loans and leases to core deposits | 83.5254% | 2,756 |
| Total domestic deposits to total assets | 82.9507% | 4,654 |
| Equity capital to assets | 14.6660% | 923 |
| Core capital (leverage) ratio | 14.5281% | 700 |
| Tier 1 risk-based capital ratio | 25.3906% | 875 |
| Total risk-based capital ratio | 26.6517% | 860 |
| Memoranda: | ||
| Average total assets | $133,953,000 | 4,096 |
| Average earning assets | $127,561,750 | 3,987 |
| Average equity | $19,254,750 | 3,327 |
| Average total loans | $89,469,000 | 3,806 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 2,514 |
| Cost of funding earning assets | 0.6756% | 4,221 |
| Net interest margin | 4.1226% | 1,999 |
| Noninterest income to average assets | 0.1737% | 6,310 |
| Noninterest expense to average assets | 2.6847% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0227% | 2,373 |
| Return on assets (ROA) | 1.0227% | 2,600 |
| Pretax return on assets | 1.4180% | 2,140 |
| Return on Equity (ROE) | 7.1637% | 3,690 |
| Retained earnings to average equity (ytd only) | 7.1637% | 2,010 |
| Net charge-offs to loans | -0.0067% | 6,216 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4380% | 4,638 |
| Assets per employee ($millions) | 4.6923% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7462% | 3,041 |
| Loan loss allowance to noncurrent loans | 58.0983% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 2.3215% | 2,409 |
| Noncurrent loans to loans | 3.0056% | 1,969 |
| Net loans and leases to total assets | 66.4477% | 2,579 |
| Net loans and leases to deposits | 79.6905% | 2,424 |
| Net loans and leases to core deposits | 83.6564% | 2,739 |
| Total domestic deposits to total assets | 83.3822% | 4,583 |
| Equity capital to assets | 14.2824% | 984 |
| Core capital (leverage) ratio | 14.3746% | 721 |
| Tier 1 risk-based capital ratio | 25.3952% | 864 |
| Total risk-based capital ratio | 26.6563% | 845 |
| Memoranda: | ||
| Average total assets | $133,570,000 | 4,126 |
| Average earning assets | $127,298,330 | 4,010 |
| Average equity | $19,068,330 | 3,348 |
| Average total loans | $89,021,000 | 3,832 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 2,192 |
| Cost of funding earning assets | 0.6905% | 4,360 |
| Net interest margin | 4.2220% | 1,697 |
| Noninterest income to average assets | 0.1905% | 6,241 |
| Noninterest expense to average assets | 2.8779% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9764% | 2,571 |
| Return on assets (ROA) | 0.9764% | 2,776 |
| Pretax return on assets | 1.3422% | 2,383 |
| Return on Equity (ROE) | 6.8414% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.8414% | 2,504 |
| Net charge-offs to loans | 0.0091% | 4,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 222.0000% | 160 |
| Efficiency ratio | 68.1948% | 4,134 |
| Assets per employee ($millions) | 5.1222% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 2,957 |
| Loan loss allowance to noncurrent loans | 86.0828% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.5701% | 3,507 |
| Noncurrent loans to loans | 2.1043% | 3,028 |
| Net loans and leases to total assets | 65.2047% | 2,616 |
| Net loans and leases to deposits | 78.3834% | 2,434 |
| Net loans and leases to core deposits | 81.2221% | 2,925 |
| Total domestic deposits to total assets | 83.1869% | 4,851 |
| Equity capital to assets | 14.3081% | 918 |
| Core capital (leverage) ratio | 14.4877% | 692 |
| Tier 1 risk-based capital ratio | 26.0413% | 800 |
| Total risk-based capital ratio | 27.3043% | 785 |
| Memoranda: | ||
| Average total assets | $132,316,500 | 4,179 |
| Average earning assets | $126,290,000 | 4,055 |
| Average equity | $18,885,000 | 3,369 |
| Average total loans | $87,518,000 | 3,900 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 3,093 |
| Cost of funding earning assets | 0.8872% | 4,210 |
| Net interest margin | 4.0667% | 2,581 |
| Noninterest income to average assets | 0.1678% | 6,287 |
| Noninterest expense to average assets | 2.8188% | 4,276 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9006% | 2,600 |
| Return on assets (ROA) | 0.9006% | 2,733 |
| Pretax return on assets | 1.2234% | 2,376 |
| Return on Equity (ROE) | 6.5464% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.5464% | 1,718 |
| Net charge-offs to loans | 0.0622% | 5,675 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 29.8333% | 849 |
| Efficiency ratio | 69.7351% | 4,015 |
| Assets per employee ($millions) | 4.6949% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 2,703 |
| Loan loss allowance to noncurrent loans | 76.3810% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.7724% | 3,295 |
| Noncurrent loans to loans | 2.4250% | 2,705 |
| Net loans and leases to total assets | 64.6546% | 3,047 |
| Net loans and leases to deposits | 77.5951% | 2,900 |
| Net loans and leases to core deposits | 79.4951% | 3,507 |
| Total domestic deposits to total assets | 83.3231% | 4,614 |
| Equity capital to assets | 14.2366% | 991 |
| Core capital (leverage) ratio | 14.1566% | 785 |
| Tier 1 risk-based capital ratio | 25.0902% | 861 |
| Total risk-based capital ratio | 26.3521% | 848 |
| Memoranda: | ||
| Average total assets | $131,687,400 | 4,134 |
| Average earning assets | $125,456,600 | 4,025 |
| Average equity | $18,116,800 | 3,411 |
| Average total loans | $86,828,000 | 3,939 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 3,159 |
| Cost of funding earning assets | 0.9264% | 4,225 |
| Net interest margin | 4.0592% | 2,650 |
| Noninterest income to average assets | 0.1579% | 6,464 |
| Noninterest expense to average assets | 2.7355% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9483% | 2,537 |
| Return on assets (ROA) | 0.9483% | 2,705 |
| Pretax return on assets | 1.2893% | 2,321 |
| Return on Equity (ROE) | 6.9532% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.9532% | 1,995 |
| Net charge-offs to loans | 0.0829% | 5,147 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 23.5919% | 1,109 |
| Efficiency ratio | 67.9658% | 4,326 |
| Assets per employee ($millions) | 5.0503% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 2,697 |
| Loan loss allowance to noncurrent loans | 74.9533% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.8049% | 3,388 |
| Noncurrent loans to loans | 2.5032% | 2,766 |
| Net loans and leases to total assets | 63.8852% | 3,336 |
| Net loans and leases to deposits | 76.5518% | 3,239 |
| Net loans and leases to core deposits | 78.5415% | 3,821 |
| Total domestic deposits to total assets | 83.4535% | 4,502 |
| Equity capital to assets | 14.0546% | 1,138 |
| Core capital (leverage) ratio | 13.9071% | 919 |
| Tier 1 risk-based capital ratio | 24.4106% | 966 |
| Total risk-based capital ratio | 25.6721% | 950 |
| Memoranda: | ||
| Average total assets | $131,745,000 | 4,157 |
| Average earning assets | $125,506,750 | 4,051 |
| Average equity | $17,967,250 | 3,431 |
| Average total loans | $86,885,750 | 3,972 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 3,194 |
| Cost of funding earning assets | 0.9425% | 4,375 |
| Net interest margin | 4.0490% | 2,618 |
| Noninterest income to average assets | 0.1607% | 6,510 |
| Noninterest expense to average assets | 2.8872% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8340% | 2,927 |
| Return on assets (ROA) | 0.8340% | 3,043 |
| Pretax return on assets | 1.1237% | 2,762 |
| Return on Equity (ROE) | 6.1782% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.1782% | 2,312 |
| Net charge-offs to loans | 0.0756% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 22.4545% | 1,119 |
| Efficiency ratio | 71.9849% | 3,736 |
| Assets per employee ($millions) | 4.8211% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8630% | 2,789 |
| Loan loss allowance to noncurrent loans | 82.4365% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.7957% | 3,515 |
| Noncurrent loans to loans | 2.2599% | 3,153 |
| Net loans and leases to total assets | 63.3726% | 3,604 |
| Net loans and leases to deposits | 75.2732% | 3,602 |
| Net loans and leases to core deposits | 77.8870% | 4,064 |
| Total domestic deposits to total assets | 84.1902% | 4,267 |
| Equity capital to assets | 13.3867% | 1,344 |
| Core capital (leverage) ratio | 13.8805% | 899 |
| Tier 1 risk-based capital ratio | 23.6113% | 1,049 |
| Total risk-based capital ratio | 24.8733% | 1,034 |
| Memoranda: | ||
| Average total assets | $131,890,330 | 4,184 |
| Average earning assets | $125,414,000 | 4,085 |
| Average equity | $17,804,670 | 3,452 |
| Average total loans | $87,350,670 | 4,004 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9918% | 3,141 |
| Cost of funding earning assets | 0.9398% | 4,650 |
| Net interest margin | 4.0520% | 2,466 |
| Noninterest income to average assets | 0.1749% | 6,478 |
| Noninterest expense to average assets | 2.7896% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9145% | 2,494 |
| Return on assets (ROA) | 0.9145% | 2,551 |
| Pretax return on assets | 1.2490% | 2,198 |
| Return on Equity (ROE) | 6.7453% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.7453% | 2,263 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0729% | 4,457 |
| Assets per employee ($millions) | 5.5925% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 2,689 |
| Loan loss allowance to noncurrent loans | 57.1133% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.7630% | 2,499 |
| Noncurrent loans to loans | 3.3279% | 2,256 |
| Net loans and leases to total assets | 66.5283% | 2,877 |
| Net loans and leases to deposits | 77.4348% | 3,165 |
| Net loans and leases to core deposits | 80.0093% | 3,761 |
| Total domestic deposits to total assets | 85.9152% | 3,569 |
| Equity capital to assets | 13.8539% | 1,044 |
| Core capital (leverage) ratio | 13.7515% | 902 |
| Tier 1 risk-based capital ratio | 22.9311% | 1,091 |
| Total risk-based capital ratio | 24.1935% | 1,075 |
| Memoranda: | ||
| Average total assets | $130,339,500 | 4,251 |
| Average earning assets | $124,285,000 | 4,134 |
| Average equity | $17,671,500 | 3,454 |
| Average total loans | $87,440,000 | 4,035 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2008% | 3,605 |
| Cost of funding earning assets | 1.3260% | 3,713 |
| Net interest margin | 3.8748% | 3,614 |
| Noninterest income to average assets | 0.1735% | 6,502 |
| Noninterest expense to average assets | 2.8882% | 4,283 |
| Loan and lease loss provision to assets | 0.1985% | 5,248 |
| Net operating income to assets | 0.6031% | 3,652 |
| Return on assets (ROA) | 0.6031% | 3,821 |
| Pretax return on assets | 0.7577% | 3,770 |
| Return on Equity (ROE) | 4.6426% | 4,235 |
| Retained earnings to average equity (ytd only) | 4.6426% | 2,642 |
| Net charge-offs to loans | 0.4732% | 3,727 |
| Credit loss provision to net charge-offs | 60.9302% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.9349% | 3,603 |
| Efficiency ratio | 75.1281% | 3,182 |
| Assets per employee ($millions) | 5.7413% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8917% | 2,588 |
| Loan loss allowance to noncurrent loans | 52.6182% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 2.7050% | 2,576 |
| Noncurrent loans to loans | 3.5951% | 2,088 |
| Net loans and leases to total assets | 65.1188% | 3,643 |
| Net loans and leases to deposits | 75.2457% | 3,972 |
| Net loans and leases to core deposits | 78.5010% | 4,398 |
| Total domestic deposits to total assets | 86.5416% | 3,060 |
| Equity capital to assets | 13.2699% | 1,270 |
| Core capital (leverage) ratio | 13.0845% | 1,100 |
| Tier 1 risk-based capital ratio | 21.7259% | 1,214 |
| Total risk-based capital ratio | 22.9868% | 1,188 |
| Memoranda: | ||
| Average total assets | $131,983,200 | 4,222 |
| Average earning assets | $125,038,600 | 4,132 |
| Average equity | $17,145,400 | 3,568 |
| Average total loans | $90,867,000 | 4,029 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 3,800 |
| Cost of funding earning assets | 1.4139% | 3,497 |
| Net interest margin | 3.7917% | 4,000 |
| Noninterest income to average assets | 0.1707% | 6,659 |
| Noninterest expense to average assets | 2.6461% | 5,130 |
| Loan and lease loss provision to assets | 0.2647% | 4,463 |
| Net operating income to assets | 0.6557% | 3,622 |
| Return on assets (ROA) | 0.6557% | 3,789 |
| Pretax return on assets | 0.8446% | 3,755 |
| Return on Equity (ROE) | 5.0748% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.0748% | 2,932 |
| Net charge-offs to loans | 0.5672% | 3,051 |
| Credit loss provision to net charge-offs | 67.1795% | 5,499 |
| Earnings coverage of net charge-offs (x) | 2.8154% | 3,730 |
| Efficiency ratio | 70.4600% | 3,976 |
| Assets per employee ($millions) | 6.1013% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,494 |
| Loan loss allowance to noncurrent loans | 47.6030% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 2.8243% | 2,573 |
| Noncurrent loans to loans | 3.9807% | 1,885 |
| Net loans and leases to total assets | 65.4918% | 3,801 |
| Net loans and leases to deposits | 75.4208% | 4,279 |
| Net loans and leases to core deposits | 78.5786% | 4,727 |
| Total domestic deposits to total assets | 86.8352% | 2,627 |
| Equity capital to assets | 12.9450% | 1,608 |
| Core capital (leverage) ratio | 12.9714% | 1,242 |
| Tier 1 risk-based capital ratio | 23.1174% | 1,050 |
| Total risk-based capital ratio | 24.3814% | 1,018 |
| Memoranda: | ||
| Average total assets | $131,966,250 | 4,277 |
| Average earning assets | $124,762,000 | 4,192 |
| Average equity | $17,051,000 | 3,633 |
| Average total loans | $91,671,750 | 4,078 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 3,815 |
| Cost of funding earning assets | 1.4721% | 3,415 |
| Net interest margin | 3.7548% | 4,107 |
| Noninterest income to average assets | 0.1646% | 6,725 |
| Noninterest expense to average assets | 2.5546% | 5,507 |
| Loan and lease loss provision to assets | 0.4817% | 2,898 |
| Net operating income to assets | 0.5381% | 4,154 |
| Return on assets (ROA) | 0.5381% | 4,301 |
| Pretax return on assets | 0.6661% | 4,349 |
| Return on Equity (ROE) | 4.1670% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.1670% | 3,416 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9996% | 4,376 |
| Assets per employee ($millions) | 7.0047% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3261% | 1,546 |
| Loan loss allowance to noncurrent loans | 42.6948% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 3.7697% | 1,853 |
| Noncurrent loans to loans | 5.4482% | 1,213 |
| Net loans and leases to total assets | 67.5818% | 3,476 |
| Net loans and leases to deposits | 77.6853% | 4,042 |
| Net loans and leases to core deposits | 81.3921% | 4,501 |
| Total domestic deposits to total assets | 86.9944% | 2,528 |
| Equity capital to assets | 12.8335% | 1,640 |
| Core capital (leverage) ratio | 12.9583% | 1,221 |
| Tier 1 risk-based capital ratio | 21.7433% | 1,242 |
| Total risk-based capital ratio | 23.0112% | 1,212 |
| Memoranda: | ||
| Average total assets | $131,212,000 | 4,318 |
| Average earning assets | $123,630,000 | 4,240 |
| Average equity | $16,942,670 | 3,641 |
| Average total loans | $92,360,000 | 4,098 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 3,416 |
| Cost of funding earning assets | 1.5017% | 3,542 |
| Net interest margin | 3.8247% | 3,685 |
| Noninterest income to average assets | 0.2518% | 6,140 |
| Noninterest expense to average assets | 2.3919% | 6,120 |
| Loan and lease loss provision to assets | 0.3070% | 3,584 |
| Net operating income to assets | 0.9027% | 2,531 |
| Return on assets (ROA) | 0.9027% | 2,604 |
| Pretax return on assets | 1.1422% | 2,576 |
| Return on Equity (ROE) | 6.9693% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.9693% | 2,145 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2702% | 5,781 |
| Assets per employee ($millions) | 6.2208% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 1,948 |
| Loan loss allowance to noncurrent loans | 33.5540% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 4.3939% | 1,547 |
| Noncurrent loans to loans | 6.2693% | 1,023 |
| Net loans and leases to total assets | 68.6107% | 3,252 |
| Net loans and leases to deposits | 79.1611% | 3,812 |
| Net loans and leases to core deposits | 80.1694% | 4,740 |
| Total domestic deposits to total assets | 86.6722% | 2,802 |
| Equity capital to assets | 13.0292% | 1,517 |
| Core capital (leverage) ratio | 13.2657% | 1,135 |
| Tier 1 risk-based capital ratio | 21.6707% | 1,243 |
| Total risk-based capital ratio | 22.9349% | 1,226 |
| Memoranda: | ||
| Average total assets | $130,273,500 | 4,407 |
| Average earning assets | $122,258,500 | 4,321 |
| Average equity | $16,874,000 | 3,679 |
| Average total loans | $92,497,000 | 4,153 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 4,240 |
| Cost of funding earning assets | 2.0070% | 2,929 |
| Net interest margin | 3.4749% | 5,066 |
| Noninterest income to average assets | 0.2398% | 6,370 |
| Noninterest expense to average assets | 2.2634% | 6,840 |
| Loan and lease loss provision to assets | 0.1593% | 6,088 |
| Net operating income to assets | 0.8453% | 2,369 |
| Return on assets (ROA) | 0.8453% | 2,453 |
| Pretax return on assets | 1.1138% | 2,208 |
| Return on Equity (ROE) | 6.5002% | 2,993 |
| Retained earnings to average equity (ytd only) | 6.5002% | 1,148 |
| Net charge-offs to loans | 0.2236% | 5,228 |
| Credit loss provision to net charge-offs | 97.0874% | 5,722 |
| Earnings coverage of net charge-offs (x) | 7.7573% | 2,081 |
| Efficiency ratio | 64.0009% | 5,780 |
| Assets per employee ($millions) | 6.8374% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9543% | 2,130 |
| Loan loss allowance to noncurrent loans | 38.3533% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 3.6648% | 1,818 |
| Noncurrent loans to loans | 5.0954% | 1,318 |
| Net loans and leases to total assets | 70.5188% | 3,124 |
| Net loans and leases to deposits | 81.2327% | 3,752 |
| Net loans and leases to core deposits | 95.3011% | 4,539 |
| Total domestic deposits to total assets | 86.8109% | 2,602 |
| Equity capital to assets | 12.8758% | 1,560 |
| Core capital (leverage) ratio | 12.9408% | 1,269 |
| Tier 1 risk-based capital ratio | 21.0946% | 1,274 |
| Total risk-based capital ratio | 22.3570% | 1,244 |
| Memoranda: | ||
| Average total assets | $125,520,600 | 4,436 |
| Average earning assets | $119,082,000 | 4,331 |
| Average equity | $16,322,600 | 3,819 |
| Average total loans | $92,138,800 | 4,153 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4631% | 4,615 |
| Cost of funding earning assets | 2.1180% | 2,812 |
| Net interest margin | 3.3451% | 5,462 |
| Noninterest income to average assets | 0.2336% | 6,554 |
| Noninterest expense to average assets | 2.0489% | 7,285 |
| Loan and lease loss provision to assets | 0.1072% | 6,304 |
| Net operating income to assets | 0.9141% | 2,371 |
| Return on assets (ROA) | 0.9141% | 2,438 |
| Pretax return on assets | 1.2559% | 2,089 |
| Return on Equity (ROE) | 7.0111% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.0111% | 1,499 |
| Net charge-offs to loans | -0.0044% | 7,622 |
| Credit loss provision to net charge-offs | -3,333.3333% | 7,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0503% | 6,404 |
| Assets per employee ($millions) | 7.0702% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 1,746 |
| Loan loss allowance to noncurrent loans | 36.1563% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 4.2031% | 1,491 |
| Noncurrent loans to loans | 5.5934% | 1,111 |
| Net loans and leases to total assets | 73.6233% | 2,637 |
| Net loans and leases to deposits | 85.0568% | 3,486 |
| Net loans and leases to core deposits | 101.6215% | 4,198 |
| Total domestic deposits to total assets | 86.5579% | 2,403 |
| Equity capital to assets | 13.0995% | 1,657 |
| Core capital (leverage) ratio | 12.9154% | 1,400 |
| Tier 1 risk-based capital ratio | 20.8779% | 1,384 |
| Total risk-based capital ratio | 22.1415% | 1,357 |
| Memoranda: | ||
| Average total assets | $124,423,250 | 4,486 |
| Average earning assets | $118,220,500 | 4,379 |
| Average equity | $16,221,500 | 3,867 |
| Average total loans | $91,814,250 | 4,200 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 5,801 |
| Cost of funding earning assets | 2.2244% | 2,689 |
| Net interest margin | 3.0431% | 6,423 |
| Noninterest income to average assets | 0.2349% | 6,600 |
| Noninterest expense to average assets | 2.0895% | 7,298 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8455% | 2,672 |
| Return on assets (ROA) | 0.8455% | 2,775 |
| Pretax return on assets | 1.0350% | 2,860 |
| Return on Equity (ROE) | 6.4959% | 3,439 |
| Retained earnings to average equity (ytd only) | 6.4959% | 1,802 |
| Net charge-offs to loans | -0.0088% | 7,594 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8740% | 5,388 |
| Assets per employee ($millions) | 9.1340% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9864% | 1,599 |
| Loan loss allowance to noncurrent loans | 34.7727% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 4.1290% | 1,410 |
| Noncurrent loans to loans | 5.7124% | 994 |
| Net loans and leases to total assets | 70.8452% | 3,504 |
| Net loans and leases to deposits | 81.4306% | 4,309 |
| Net loans and leases to core deposits | 96.1975% | 4,881 |
| Total domestic deposits to total assets | 87.0007% | 2,258 |
| Equity capital to assets | 12.7780% | 1,799 |
| Core capital (leverage) ratio | 12.8054% | 1,504 |
| Tier 1 risk-based capital ratio | 20.9716% | 1,403 |
| Total risk-based capital ratio | 22.2345% | 1,373 |
| Memoranda: | ||
| Average total assets | $123,476,330 | 4,546 |
| Average earning assets | $117,247,670 | 4,438 |
| Average equity | $16,071,670 | 3,905 |
| Average total loans | $90,542,330 | 4,263 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6844% | 3,881 |
| Cost of funding earning assets | 2.2974% | 2,710 |
| Net interest margin | 3.3870% | 5,181 |
| Noninterest income to average assets | 0.2375% | 6,557 |
| Noninterest expense to average assets | 2.3517% | 6,364 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7883% | 3,177 |
| Return on assets (ROA) | 0.7883% | 3,341 |
| Pretax return on assets | 1.0950% | 3,003 |
| Return on Equity (ROE) | 5.9984% | 4,039 |
| Retained earnings to average equity (ytd only) | 5.9984% | 2,628 |
| Net charge-offs to loans | -0.0179% | 7,411 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2297% | 4,916 |
| Assets per employee ($millions) | 8.3633% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0644% | 1,304 |
| Loan loss allowance to noncurrent loans | 32.9801% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 4.4376% | 1,094 |
| Noncurrent loans to loans | 6.2596% | 732 |
| Net loans and leases to total assets | 69.4293% | 3,815 |
| Net loans and leases to deposits | 79.8861% | 4,634 |
| Net loans and leases to core deposits | 95.4583% | 5,025 |
| Total domestic deposits to total assets | 86.9103% | 2,263 |
| Equity capital to assets | 12.7995% | 1,834 |
| Core capital (leverage) ratio | 13.2545% | 1,402 |
| Tier 1 risk-based capital ratio | 21.0819% | 1,439 |
| Total risk-based capital ratio | 22.3462% | 1,405 |
| Memoranda: | ||
| Average total assets | $121,276,500 | 4,611 |
| Average earning assets | $114,911,500 | 4,503 |
| Average equity | $15,937,500 | 3,954 |
| Average total loans | $89,598,500 | 4,325 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8436% | 6,284 |
| Cost of funding earning assets | 2.6715% | 3,310 |
| Net interest margin | 3.1722% | 6,457 |
| Noninterest income to average assets | 0.2019% | 7,007 |
| Noninterest expense to average assets | 2.1110% | 7,211 |
| Loan and lease loss provision to assets | 0.1733% | 5,170 |
| Net operating income to assets | 0.6725% | 4,015 |
| Return on assets (ROA) | 0.6725% | 3,854 |
| Pretax return on assets | 0.9316% | 3,612 |
| Return on Equity (ROE) | 5.0203% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.0203% | 2,017 |
| Net charge-offs to loans | 0.2627% | 3,655 |
| Credit loss provision to net charge-offs | 85.8369% | 5,768 |
| Earnings coverage of net charge-offs (x) | 5.4721% | 3,633 |
| Efficiency ratio | 65.6427% | 5,200 |
| Assets per employee ($millions) | 7.8069% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 1,168 |
| Loan loss allowance to noncurrent loans | 35.6490% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 4.3884% | 875 |
| Noncurrent loans to loans | 5.6934% | 672 |
| Net loans and leases to total assets | 75.5147% | 2,756 |
| Net loans and leases to deposits | 87.7264% | 3,843 |
| Net loans and leases to core deposits | 104.4112% | 4,356 |
| Total domestic deposits to total assets | 86.0798% | 2,367 |
| Equity capital to assets | 13.5078% | 1,591 |
| Core capital (leverage) ratio | 13.4702% | 1,398 |
| Tier 1 risk-based capital ratio | 21.4525% | 1,401 |
| Total risk-based capital ratio | 22.7178% | 1,363 |
| Memoranda: | ||
| Average total assets | $115,396,600 | 4,624 |
| Average earning assets | $109,640,600 | 4,519 |
| Average equity | $15,457,200 | 4,036 |
| Average total loans | $88,679,000 | 4,269 |