Home > Yampa Valley Bank > Performance and Condition Ratios
Yampa Valley Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 1,492 |
| Cost of funding earning assets | 1.9550% | 987 |
| Net interest margin | 3.3463% | 2,522 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.1372% | 3,304 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.3729% | 1,266 |
| Return on assets (ROA) | 1.3264% | 1,345 |
| Pretax return on assets | 1.3264% | 1,805 |
| Return on Equity (ROE) | 21.3600% | 513 |
| Retained earnings to average equity (ytd only) | 12.3715% | 592 |
| Net charge-offs to loans | 0.0130% | 2,166 |
| Credit loss provision to net charge-offs | 961.5385% | 427 |
| Earnings coverage of net charge-offs (x) | 168.2308% | 662 |
| Efficiency ratio | 59.4060% | 3,148 |
| Assets per employee ($millions) | 8.1146% | 1,379 |
| Cash dividends to net income (ytd only)* | 42.0894% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 1,148 |
| Loan loss allowance to noncurrent loans | 1,822.7666% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,207 |
| Noncurrent loans to loans | 0.0805% | 3,148 |
| Net loans and leases to total assets | 68.8600% | 1,935 |
| Net loans and leases to deposits | 76.2911% | 2,427 |
| Net loans and leases to core deposits | 79.3220% | 2,748 |
| Total domestic deposits to total assets | 90.2700% | 688 |
| Equity capital to assets | 6.9246% | 3,966 |
| Core capital (leverage) ratio | 8.2856% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5192% | 2,402 |
| Memoranda: | ||
| Average total assets | $599,010,400 | 1,481 |
| Average earning assets | $579,741,800 | 1,417 |
| Average equity | $37,190,400 | 1,971 |
| Average total loans | $399,325,000 | 1,472 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 1,524 |
| Cost of funding earning assets | 1.8470% | 936 |
| Net interest margin | 3.3142% | 2,647 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.1177% | 3,310 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.4203% | 1,274 |
| Return on assets (ROA) | 1.3616% | 1,379 |
| Pretax return on assets | 1.3616% | 1,867 |
| Return on Equity (ROE) | 22.6100% | 514 |
| Retained earnings to average equity (ytd only) | 13.0457% | 808 |
| Net charge-offs to loans | 0.0123% | 1,951 |
| Credit loss provision to net charge-offs | -1,772.2222% | 4,611 |
| Earnings coverage of net charge-offs (x) | 181.3889% | 641 |
| Efficiency ratio | 59.1211% | 3,075 |
| Assets per employee ($millions) | 9.1824% | 876 |
| Cash dividends to net income (ytd only)* | 42.2925% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 1,283 |
| Loan loss allowance to noncurrent loans | 1,577.2846% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,201 |
| Noncurrent loans to loans | 0.0913% | 3,122 |
| Net loans and leases to total assets | 67.1800% | 2,140 |
| Net loans and leases to deposits | 73.2307% | 2,632 |
| Net loans and leases to core deposits | 75.7689% | 2,885 |
| Total domestic deposits to total assets | 91.7300% | 508 |
| Equity capital to assets | 5.7610% | 4,068 |
| Core capital (leverage) ratio | 8.2524% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3203% | 2,504 |
| Memoranda: | ||
| Average total assets | $594,585,000 | 1,495 |
| Average earning assets | $576,415,500 | 1,430 |
| Average equity | $35,811,750 | 2,018 |
| Average total loans | $391,401,500 | 1,488 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0228% | 1,528 |
| Cost of funding earning assets | 1.6680% | 935 |
| Net interest margin | 3.3549% | 2,627 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.1099% | 3,320 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.4463% | 1,224 |
| Return on assets (ROA) | 1.3595% | 1,408 |
| Pretax return on assets | 1.3595% | 1,922 |
| Return on Equity (ROE) | 22.2300% | 530 |
| Retained earnings to average equity (ytd only) | 11.8437% | 1,020 |
| Net charge-offs to loans | 0.0199% | 1,494 |
| Credit loss provision to net charge-offs | -1,678.9474% | 4,635 |
| Earnings coverage of net charge-offs (x) | 117.1053% | 860 |
| Efficiency ratio | 58.2160% | 3,169 |
| Assets per employee ($millions) | 8.4298% | 1,129 |
| Cash dividends to net income (ytd only)* | 46.7334% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 1,099 |
| Loan loss allowance to noncurrent loans | 1,645.2316% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,149 |
| Noncurrent loans to loans | 0.0929% | 3,037 |
| Net loans and leases to total assets | 65.0100% | 2,278 |
| Net loans and leases to deposits | 73.9213% | 2,502 |
| Net loans and leases to core deposits | 76.3529% | 2,742 |
| Total domestic deposits to total assets | 87.9500% | 1,617 |
| Equity capital to assets | 6.2652% | 4,080 |
| Core capital (leverage) ratio | 8.4518% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4469% | 2,484 |
| Memoranda: | ||
| Average total assets | $587,707,000 | 1,505 |
| Average earning assets | $569,919,000 | 1,442 |
| Average equity | $35,934,667 | 2,024 |
| Average total loans | $382,096,000 | 1,506 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 1,478 |
| Cost of funding earning assets | 1.3802% | 1,066 |
| Net interest margin | 3.4841% | 2,410 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.1542% | 3,242 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.4899% | 1,206 |
| Return on assets (ROA) | 1.3196% | 1,591 |
| Pretax return on assets | 1.3196% | 2,120 |
| Return on Equity (ROE) | 21.8600% | 590 |
| Retained earnings to average equity (ytd only) | 7.8855% | 2,253 |
| Net charge-offs to loans | 0.0181% | 1,326 |
| Credit loss provision to net charge-offs | 882.3529% | 389 |
| Earnings coverage of net charge-offs (x) | 136.4118% | 643 |
| Efficiency ratio | 57.4885% | 3,246 |
| Assets per employee ($millions) | 8.3186% | 1,197 |
| Cash dividends to net income (ytd only)* | 63.9250% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 635 |
| Loan loss allowance to noncurrent loans | 1,912.5698% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,171 |
| Noncurrent loans to loans | 0.0954% | 3,070 |
| Net loans and leases to total assets | 63.2900% | 2,323 |
| Net loans and leases to deposits | 67.7860% | 2,789 |
| Net loans and leases to core deposits | 69.9744% | 2,958 |
| Total domestic deposits to total assets | 93.3600% | 248 |
| Equity capital to assets | 6.3228% | 4,095 |
| Core capital (leverage) ratio | 8.3375% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5850% | 2,540 |
| Memoranda: | ||
| Average total assets | $582,303,000 | 1,542 |
| Average earning assets | $564,851,000 | 1,478 |
| Average equity | $35,153,000 | 2,076 |
| Average total loans | $375,567,500 | 1,541 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2004% | 1,246 |
| Cost of funding earning assets | 0.4721% | 1,574 |
| Net interest margin | 3.7283% | 1,312 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.1270% | 3,225 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.8364% | 402 |
| Return on assets (ROA) | 1.7049% | 506 |
| Pretax return on assets | 1.7049% | 909 |
| Return on Equity (ROE) | 26.4300% | 166 |
| Retained earnings to average equity (ytd only) | 16.9455% | 177 |
| Net charge-offs to loans | 0.0809% | 846 |
| Credit loss provision to net charge-offs | 273.3813% | 956 |
| Earnings coverage of net charge-offs (x) | 38.3525% | 1,529 |
| Efficiency ratio | 51.8232% | 3,991 |
| Assets per employee ($millions) | 7.9767% | 1,332 |
| Cash dividends to net income (ytd only)* | 35.8751% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 676 |
| Loan loss allowance to noncurrent loans | 1,819.5122% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,173 |
| Noncurrent loans to loans | 0.0982% | 3,059 |
| Net loans and leases to total assets | 63.3800% | 2,297 |
| Net loans and leases to deposits | 67.5197% | 2,767 |
| Net loans and leases to core deposits | 69.7594% | 2,893 |
| Total domestic deposits to total assets | 93.8700% | 257 |
| Equity capital to assets | 5.7510% | 4,169 |
| Core capital (leverage) ratio | 8.4664% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2806% | 2,654 |
| Memoranda: | ||
| Average total assets | $539,205,200 | 1,634 |
| Average earning assets | $523,187,600 | 1,573 |
| Average equity | $34,788,000 | 2,120 |
| Average total loans | $343,462,200 | 1,566 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0157% | 1,241 |
| Cost of funding earning assets | 0.2884% | 2,294 |
| Net interest margin | 3.7274% | 1,077 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 2.1318% | 3,126 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.8476% | 385 |
| Return on assets (ROA) | 1.6779% | 545 |
| Pretax return on assets | 1.7606% | 799 |
| Return on Equity (ROE) | 25.2500% | 180 |
| Retained earnings to average equity (ytd only) | 14.7558% | 386 |
| Net charge-offs to loans | -0.0004% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.7391% | 4,034 |
| Assets per employee ($millions) | 7.8467% | 1,404 |
| Cash dividends to net income (ytd only)* | 41.5639% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 749 |
| Loan loss allowance to noncurrent loans | 918.2857% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 2,717 |
| Noncurrent loans to loans | 0.1946% | 2,623 |
| Net loans and leases to total assets | 64.3100% | 2,059 |
| Net loans and leases to deposits | 68.2158% | 2,519 |
| Net loans and leases to core deposits | 70.5932% | 2,596 |
| Total domestic deposits to total assets | 94.2800% | 318 |
| Equity capital to assets | 5.2914% | 4,195 |
| Core capital (leverage) ratio | 8.5223% | 4,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2110% | 2,746 |
| Memoranda: | ||
| Average total assets | $528,431,000 | 1,680 |
| Average earning assets | $512,771,250 | 1,613 |
| Average equity | $35,113,000 | 2,138 |
| Average total loans | $335,384,750 | 1,587 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 1,181 |
| Cost of funding earning assets | 0.1802% | 3,180 |
| Net interest margin | 3.6842% | 936 |
| Noninterest income to average assets | 0.5089% | 2,151 |
| Noninterest expense to average assets | 2.1435% | 3,022 |
| Loan and lease loss provision to assets | 0.0173% | 2,292 |
| Net operating income to assets | 1.8353% | 310 |
| Return on assets (ROA) | 1.8309% | 308 |
| Pretax return on assets | 1.9195% | 452 |
| Return on Equity (ROE) | 25.7155% | 98 |
| Retained earnings to average equity (ytd only) | 15.8635% | 203 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4739% | 4,089 |
| Assets per employee ($millions) | 7.6771% | 1,494 |
| Cash dividends to net income (ytd only)* | 38.3117% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 710 |
| Loan loss allowance to noncurrent loans | 1,626.4249% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,237 |
| Noncurrent loans to loans | 0.1150% | 3,164 |
| Net loans and leases to total assets | 63.1175% | 2,005 |
| Net loans and leases to deposits | 67.5520% | 2,430 |
| Net loans and leases to core deposits | 69.6255% | 2,516 |
| Total domestic deposits to total assets | 93.4354% | 410 |
| Equity capital to assets | 6.2129% | 4,128 |
| Core capital (leverage) ratio | 8.5480% | 3,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0322% | 2,482 |
| Memoranda: | ||
| Average total assets | $521,485,667 | 1,694 |
| Average earning assets | $506,154,667 | 1,642 |
| Average equity | $37,129,333 | 2,106 |
| Average total loans | $327,285,000 | 1,605 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 1,293 |
| Cost of funding earning assets | 0.1714% | 3,200 |
| Net interest margin | 3.5178% | 1,057 |
| Noninterest income to average assets | 0.4965% | 2,157 |
| Noninterest expense to average assets | 2.0875% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8281% | 309 |
| Return on assets (ROA) | 1.8204% | 320 |
| Pretax return on assets | 1.8204% | 526 |
| Return on Equity (ROE) | 24.0342% | 104 |
| Retained earnings to average equity (ytd only) | 14.1247% | 371 |
| Net charge-offs to loans | -0.0037% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3124% | 4,100 |
| Assets per employee ($millions) | 7.5234% | 1,664 |
| Cash dividends to net income (ytd only)* | 41.2310% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9229% | 709 |
| Loan loss allowance to noncurrent loans | 495.7075% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 2,207 |
| Noncurrent loans to loans | 0.3879% | 2,096 |
| Net loans and leases to total assets | 60.3943% | 2,022 |
| Net loans and leases to deposits | 65.0065% | 2,430 |
| Net loans and leases to core deposits | 67.2629% | 2,518 |
| Total domestic deposits to total assets | 92.9050% | 297 |
| Equity capital to assets | 6.8279% | 4,288 |
| Core capital (leverage) ratio | 8.2957% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9128% | 2,641 |
| Memoranda: | ||
| Average total assets | $521,208,000 | 1,705 |
| Average earning assets | $506,560,000 | 1,653 |
| Average equity | $39,477,000 | 2,077 |
| Average total loans | $323,039,000 | 1,610 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 1,212 |
| Cost of funding earning assets | 0.2077% | 3,391 |
| Net interest margin | 3.8620% | 896 |
| Noninterest income to average assets | 0.5758% | 2,255 |
| Noninterest expense to average assets | 2.2027% | 3,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1104% | 278 |
| Return on assets (ROA) | 2.1683% | 271 |
| Pretax return on assets | 2.1683% | 441 |
| Return on Equity (ROE) | 25.5104% | 113 |
| Retained earnings to average equity (ytd only) | 16.1809% | 165 |
| Net charge-offs to loans | -0.0006% | 3,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0700% | 4,198 |
| Assets per employee ($millions) | 7.6982% | 1,498 |
| Cash dividends to net income (ytd only)* | 36.5712% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 676 |
| Loan loss allowance to noncurrent loans | 509.6484% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 2,370 |
| Noncurrent loans to loans | 0.3801% | 2,226 |
| Net loans and leases to total assets | 61.1794% | 2,046 |
| Net loans and leases to deposits | 67.0236% | 2,406 |
| Net loans and leases to core deposits | 69.3721% | 2,514 |
| Total domestic deposits to total assets | 91.2804% | 391 |
| Equity capital to assets | 8.3361% | 4,154 |
| Core capital (leverage) ratio | 8.3458% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0021% | 2,629 |
| Memoranda: | ||
| Average total assets | $476,693,000 | 1,753 |
| Average earning assets | $461,291,400 | 1,711 |
| Average equity | $40,516,800 | 2,068 |
| Average total loans | $312,412,000 | 1,656 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 1,365 |
| Cost of funding earning assets | 0.2163% | 3,454 |
| Net interest margin | 3.8569% | 1,016 |
| Noninterest income to average assets | 0.5854% | 2,270 |
| Noninterest expense to average assets | 2.1890% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.1231% | 377 |
| Return on assets (ROA) | 2.2033% | 340 |
| Pretax return on assets | 2.2033% | 540 |
| Return on Equity (ROE) | 25.7858% | 156 |
| Retained earnings to average equity (ytd only) | 17.0134% | 238 |
| Net charge-offs to loans | -0.0022% | 3,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7649% | 4,145 |
| Assets per employee ($millions) | 7.4049% | 1,620 |
| Cash dividends to net income (ytd only)* | 34.0202% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9775% | 663 |
| Loan loss allowance to noncurrent loans | 5,069.1057% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,005 |
| Noncurrent loans to loans | 0.0390% | 3,931 |
| Net loans and leases to total assets | 63.2403% | 1,865 |
| Net loans and leases to deposits | 69.4602% | 2,288 |
| Net loans and leases to core deposits | 72.5465% | 2,372 |
| Total domestic deposits to total assets | 91.0454% | 356 |
| Equity capital to assets | 8.6122% | 4,123 |
| Core capital (leverage) ratio | 8.3401% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $466,921,250 | 1,806 |
| Average earning assets | $451,159,500 | 1,758 |
| Average equity | $39,897,000 | 2,113 |
| Average total loans | $310,069,000 | 1,690 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 1,544 |
| Cost of funding earning assets | 0.2230% | 3,529 |
| Net interest margin | 3.7864% | 1,161 |
| Noninterest income to average assets | 0.5783% | 2,304 |
| Noninterest expense to average assets | 2.1660% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0685% | 432 |
| Return on assets (ROA) | 2.1956% | 361 |
| Pretax return on assets | 2.1956% | 577 |
| Return on Equity (ROE) | 25.7672% | 169 |
| Retained earnings to average equity (ytd only) | 18.6437% | 197 |
| Net charge-offs to loans | -0.0078% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1508% | 4,131 |
| Assets per employee ($millions) | 7.1060% | 1,723 |
| Cash dividends to net income (ytd only)* | 27.6457% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 605 |
| Loan loss allowance to noncurrent loans | 4,459.2857% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 4,067 |
| Noncurrent loans to loans | 0.0449% | 3,960 |
| Net loans and leases to total assets | 63.2393% | 2,039 |
| Net loans and leases to deposits | 71.0199% | 2,302 |
| Net loans and leases to core deposits | 74.1581% | 2,395 |
| Total domestic deposits to total assets | 89.0444% | 1,267 |
| Equity capital to assets | 8.4672% | 4,229 |
| Core capital (leverage) ratio | 8.4334% | 4,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $459,654,000 | 1,820 |
| Average earning assets | $443,851,000 | 1,777 |
| Average equity | $39,166,000 | 2,130 |
| Average total loans | $308,323,667 | 1,705 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 1,436 |
| Cost of funding earning assets | 0.2295% | 3,646 |
| Net interest margin | 3.8500% | 1,056 |
| Noninterest income to average assets | 0.6019% | 2,199 |
| Noninterest expense to average assets | 2.1676% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1506% | 448 |
| Return on assets (ROA) | 2.4114% | 334 |
| Pretax return on assets | 2.4114% | 512 |
| Return on Equity (ROE) | 28.2043% | 177 |
| Retained earnings to average equity (ytd only) | 18.3433% | 345 |
| Net charge-offs to loans | -0.0104% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1965% | 4,171 |
| Assets per employee ($millions) | 7.3785% | 1,536 |
| Cash dividends to net income (ytd only)* | 34.9630% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0406% | 548 |
| Loan loss allowance to noncurrent loans | 2,302.2140% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,954 |
| Noncurrent loans to loans | 0.0886% | 3,860 |
| Net loans and leases to total assets | 65.4688% | 1,870 |
| Net loans and leases to deposits | 74.1285% | 2,102 |
| Net loans and leases to core deposits | 77.1622% | 2,247 |
| Total domestic deposits to total assets | 88.3181% | 1,694 |
| Equity capital to assets | 8.4137% | 4,190 |
| Core capital (leverage) ratio | 8.8319% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,878,000 | 1,849 |
| Average earning assets | $432,312,000 | 1,798 |
| Average equity | $38,292,000 | 2,150 |
| Average total loans | $306,576,000 | 1,712 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8707% | 636 |
| Cost of funding earning assets | 0.3308% | 3,972 |
| Net interest margin | 4.5399% | 304 |
| Noninterest income to average assets | 0.5944% | 2,232 |
| Noninterest expense to average assets | 2.4440% | 3,013 |
| Loan and lease loss provision to assets | 0.3144% | 1,186 |
| Net operating income to assets | 2.1870% | 188 |
| Return on assets (ROA) | 2.1839% | 199 |
| Pretax return on assets | 2.1839% | 307 |
| Return on Equity (ROE) | 24.0891% | 123 |
| Retained earnings to average equity (ytd only) | 12.8462% | 250 |
| Net charge-offs to loans | 0.0100% | 2,961 |
| Credit loss provision to net charge-offs | 4,155.1724% | 254 |
| Earnings coverage of net charge-offs (x) | 330.5517% | 324 |
| Efficiency ratio | 49.4196% | 4,569 |
| Assets per employee ($millions) | 6.9570% | 1,612 |
| Cash dividends to net income (ytd only)* | 46.6722% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0266% | 552 |
| Loan loss allowance to noncurrent loans | 2,119.0476% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 4,010 |
| Noncurrent loans to loans | 0.0956% | 3,915 |
| Net loans and leases to total assets | 68.7183% | 1,733 |
| Net loans and leases to deposits | 81.0759% | 1,756 |
| Net loans and leases to core deposits | 84.4097% | 2,004 |
| Total domestic deposits to total assets | 84.7580% | 2,852 |
| Equity capital to assets | 8.6915% | 4,296 |
| Core capital (leverage) ratio | 8.7636% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,222,200 | 1,916 |
| Average earning assets | $367,275,000 | 1,880 |
| Average equity | $34,741,800 | 2,242 |
| Average total loans | $290,245,200 | 1,723 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8503% | 801 |
| Cost of funding earning assets | 0.3571% | 4,020 |
| Net interest margin | 4.4932% | 386 |
| Noninterest income to average assets | 0.5767% | 2,270 |
| Noninterest expense to average assets | 2.4569% | 2,968 |
| Loan and lease loss provision to assets | 0.4350% | 757 |
| Net operating income to assets | 1.9845% | 308 |
| Return on assets (ROA) | 1.9802% | 340 |
| Pretax return on assets | 1.9802% | 537 |
| Return on Equity (ROE) | 21.5782% | 190 |
| Retained earnings to average equity (ytd only) | 11.4124% | 506 |
| Net charge-offs to loans | 0.0009% | 3,206 |
| Credit loss provision to net charge-offs | 60,250.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 3,352.0000% | 22 |
| Efficiency ratio | 50.3848% | 4,463 |
| Assets per employee ($millions) | 6.3561% | 1,951 |
| Cash dividends to net income (ytd only)* | 47.1114% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 479 |
| Loan loss allowance to noncurrent loans | 2,708.6580% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 4,170 |
| Noncurrent loans to loans | 0.0745% | 4,075 |
| Net loans and leases to total assets | 71.3084% | 1,770 |
| Net loans and leases to deposits | 87.4417% | 1,545 |
| Net loans and leases to core deposits | 90.6852% | 1,911 |
| Total domestic deposits to total assets | 81.5497% | 3,531 |
| Equity capital to assets | 8.5188% | 4,452 |
| Core capital (leverage) ratio | 9.0041% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $369,455,750 | 1,944 |
| Average earning assets | $353,533,750 | 1,908 |
| Average equity | $33,903,750 | 2,285 |
| Average total loans | $285,953,000 | 1,740 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9042% | 969 |
| Cost of funding earning assets | 0.3899% | 4,077 |
| Net interest margin | 4.5143% | 487 |
| Noninterest income to average assets | 0.5493% | 2,357 |
| Noninterest expense to average assets | 2.5415% | 2,853 |
| Loan and lease loss provision to assets | 0.3451% | 1,231 |
| Net operating income to assets | 1.9746% | 349 |
| Return on assets (ROA) | 1.9723% | 388 |
| Pretax return on assets | 1.9723% | 578 |
| Return on Equity (ROE) | 20.8865% | 206 |
| Retained earnings to average equity (ytd only) | 10.6305% | 669 |
| Net charge-offs to loans | 0.0079% | 2,664 |
| Credit loss provision to net charge-offs | 5,500.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 369.7273% | 274 |
| Efficiency ratio | 52.2821% | 4,334 |
| Assets per employee ($millions) | 6.4300% | 1,843 |
| Cash dividends to net income (ytd only)* | 49.1035% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 627 |
| Loan loss allowance to noncurrent loans | 1,914.9153% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 4,158 |
| Noncurrent loans to loans | 0.0952% | 4,075 |
| Net loans and leases to total assets | 76.3348% | 1,079 |
| Net loans and leases to deposits | 94.7231% | 895 |
| Net loans and leases to core deposits | 98.4313% | 1,378 |
| Total domestic deposits to total assets | 80.5873% | 3,707 |
| Equity capital to assets | 8.7470% | 4,313 |
| Core capital (leverage) ratio | 9.3235% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,655,333 | 1,997 |
| Average earning assets | $334,938,333 | 1,960 |
| Average equity | $33,112,333 | 2,315 |
| Average total loans | $277,961,000 | 1,755 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1672% | 700 |
| Cost of funding earning assets | 0.4631% | 4,101 |
| Net interest margin | 4.7042% | 325 |
| Noninterest income to average assets | 0.6013% | 2,035 |
| Noninterest expense to average assets | 2.6756% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.4038% | 129 |
| Return on assets (ROA) | 2.3989% | 142 |
| Pretax return on assets | 2.3989% | 201 |
| Return on Equity (ROE) | 24.3105% | 77 |
| Retained earnings to average equity (ytd only) | 13.7002% | 277 |
| Net charge-offs to loans | 0.0031% | 2,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 981.5000% | 53 |
| Efficiency ratio | 52.6760% | 4,493 |
| Assets per employee ($millions) | 5.4642% | 2,163 |
| Cash dividends to net income (ytd only)* | 43.6447% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9052% | 597 |
| Loan loss allowance to noncurrent loans | 1,785.5124% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 4,181 |
| Noncurrent loans to loans | 0.1067% | 4,088 |
| Net loans and leases to total assets | 78.0553% | 977 |
| Net loans and leases to deposits | 87.7140% | 1,778 |
| Net loans and leases to core deposits | 89.8180% | 2,363 |
| Total domestic deposits to total assets | 88.9883% | 670 |
| Equity capital to assets | 9.9394% | 3,847 |
| Core capital (leverage) ratio | 9.9282% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,652,000 | 2,054 |
| Average earning assets | $310,959,000 | 2,020 |
| Average equity | $32,233,000 | 2,342 |
| Average total loans | $261,958,000 | 1,799 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4247% | 637 |
| Cost of funding earning assets | 0.5631% | 3,811 |
| Net interest margin | 4.8617% | 358 |
| Noninterest income to average assets | 0.7416% | 1,658 |
| Noninterest expense to average assets | 2.7453% | 2,763 |
| Loan and lease loss provision to assets | 0.1233% | 1,717 |
| Net operating income to assets | 2.5040% | 134 |
| Return on assets (ROA) | 2.4949% | 145 |
| Pretax return on assets | 2.4949% | 214 |
| Return on Equity (ROE) | 26.0475% | 61 |
| Retained earnings to average equity (ytd only) | 7.2506% | 1,278 |
| Net charge-offs to loans | -0.0947% | 4,948 |
| Credit loss provision to net charge-offs | -160.4938% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0978% | 4,662 |
| Assets per employee ($millions) | 4.9228% | 2,682 |
| Cash dividends to net income (ytd only)* | 72.1638% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 489 |
| Loan loss allowance to noncurrent loans | 1,811.8280% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 4,205 |
| Noncurrent loans to loans | 0.1079% | 4,097 |
| Net loans and leases to total assets | 79.2647% | 887 |
| Net loans and leases to deposits | 88.4158% | 1,784 |
| Net loans and leases to core deposits | 90.4250% | 2,383 |
| Total domestic deposits to total assets | 89.6498% | 448 |
| Equity capital to assets | 9.7930% | 4,110 |
| Core capital (leverage) ratio | 9.6237% | 3,930 |
| Tier 1 risk-based capital ratio | 11.4826% | 4,637 |
| Total risk-based capital ratio | 12.7404% | 4,509 |
| Memoranda: | ||
| Average total assets | $316,207,800 | 2,061 |
| Average earning assets | $301,212,400 | 2,018 |
| Average equity | $30,287,000 | 2,376 |
| Average total loans | $256,471,600 | 1,793 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4040% | 685 |
| Cost of funding earning assets | 0.5689% | 3,824 |
| Net interest margin | 4.8351% | 388 |
| Noninterest income to average assets | 0.7160% | 1,722 |
| Noninterest expense to average assets | 2.7553% | 2,699 |
| Loan and lease loss provision to assets | 0.1649% | 1,130 |
| Net operating income to assets | 2.4077% | 191 |
| Return on assets (ROA) | 2.4301% | 192 |
| Pretax return on assets | 2.4301% | 288 |
| Return on Equity (ROE) | 25.5161% | 79 |
| Retained earnings to average equity (ytd only) | 10.3334% | 673 |
| Net charge-offs to loans | -0.1318% | 5,044 |
| Credit loss provision to net charge-offs | -154.1502% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7146% | 4,623 |
| Assets per employee ($millions) | 5.4099% | 2,114 |
| Cash dividends to net income (ytd only)* | 59.5022% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 540 |
| Loan loss allowance to noncurrent loans | 2,597.4359% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 4,407 |
| Noncurrent loans to loans | 0.0741% | 4,308 |
| Net loans and leases to total assets | 80.8846% | 720 |
| Net loans and leases to deposits | 91.0155% | 1,563 |
| Net loans and leases to core deposits | 92.7655% | 2,292 |
| Total domestic deposits to total assets | 88.8691% | 662 |
| Equity capital to assets | 9.8758% | 4,137 |
| Core capital (leverage) ratio | 9.6921% | 3,981 |
| Tier 1 risk-based capital ratio | 11.2565% | 4,789 |
| Total risk-based capital ratio | 12.5140% | 4,682 |
| Memoranda: | ||
| Average total assets | $315,263,500 | 2,079 |
| Average earning assets | $300,709,750 | 2,029 |
| Average equity | $30,024,750 | 2,409 |
| Average total loans | $255,917,000 | 1,808 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 754 |
| Cost of funding earning assets | 0.5587% | 3,844 |
| Net interest margin | 4.7760% | 427 |
| Noninterest income to average assets | 0.6689% | 1,837 |
| Noninterest expense to average assets | 2.7571% | 2,731 |
| Loan and lease loss provision to assets | 0.2293% | 715 |
| Net operating income to assets | 2.2404% | 244 |
| Return on assets (ROA) | 2.2583% | 239 |
| Pretax return on assets | 2.2583% | 386 |
| Return on Equity (ROE) | 24.0130% | 118 |
| Retained earnings to average equity (ytd only) | 14.6855% | 186 |
| Net charge-offs to loans | -0.2296% | 5,147 |
| Credit loss provision to net charge-offs | -123.7113% | 3,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7483% | 4,587 |
| Assets per employee ($millions) | 5.2148% | 2,244 |
| Cash dividends to net income (ytd only)* | 38.8434% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9974% | 482 |
| Loan loss allowance to noncurrent loans | 1,397.5207% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 4,179 |
| Noncurrent loans to loans | 0.1429% | 4,044 |
| Net loans and leases to total assets | 79.5536% | 951 |
| Net loans and leases to deposits | 88.7587% | 1,896 |
| Net loans and leases to core deposits | 90.2814% | 2,574 |
| Total domestic deposits to total assets | 89.6292% | 440 |
| Equity capital to assets | 9.9470% | 4,020 |
| Core capital (leverage) ratio | 9.7142% | 3,919 |
| Tier 1 risk-based capital ratio | 11.6805% | 4,589 |
| Total risk-based capital ratio | 12.9390% | 4,485 |
| Memoranda: | ||
| Average total assets | $313,957,000 | 2,094 |
| Average earning assets | $299,622,670 | 2,040 |
| Average equity | $29,525,670 | 2,429 |
| Average total loans | $253,477,670 | 1,829 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 848 |
| Cost of funding earning assets | 0.5129% | 4,004 |
| Net interest margin | 4.7210% | 473 |
| Noninterest income to average assets | 0.5774% | 2,151 |
| Noninterest expense to average assets | 2.7015% | 2,903 |
| Loan and lease loss provision to assets | 0.2289% | 670 |
| Net operating income to assets | 2.1546% | 293 |
| Return on assets (ROA) | 2.1838% | 292 |
| Pretax return on assets | 2.1838% | 467 |
| Return on Equity (ROE) | 23.9078% | 120 |
| Retained earnings to average equity (ytd only) | 14.4255% | 320 |
| Net charge-offs to loans | 0.0111% | 2,289 |
| Credit loss provision to net charge-offs | 2,571.4286% | 169 |
| Earnings coverage of net charge-offs (x) | 267.7143% | 297 |
| Efficiency ratio | 53.1266% | 4,609 |
| Assets per employee ($millions) | 5.3363% | 2,133 |
| Cash dividends to net income (ytd only)* | 39.6622% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 702 |
| Loan loss allowance to noncurrent loans | 269.8180% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 2,476 |
| Noncurrent loans to loans | 0.6698% | 2,343 |
| Net loans and leases to total assets | 79.2913% | 940 |
| Net loans and leases to deposits | 87.8375% | 1,894 |
| Net loans and leases to core deposits | 89.2245% | 2,584 |
| Total domestic deposits to total assets | 90.2704% | 366 |
| Equity capital to assets | 9.3570% | 4,379 |
| Core capital (leverage) ratio | 9.3995% | 4,254 |
| Tier 1 risk-based capital ratio | 11.3165% | 4,832 |
| Total risk-based capital ratio | 12.5727% | 4,736 |
| Memoranda: | ||
| Average total assets | $314,492,000 | 2,099 |
| Average earning assets | $300,278,000 | 2,048 |
| Average equity | $28,727,000 | 2,475 |
| Average total loans | $253,223,500 | 1,843 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1882% | 715 |
| Cost of funding earning assets | 0.4152% | 3,895 |
| Net interest margin | 4.7730% | 421 |
| Noninterest income to average assets | 0.7218% | 1,765 |
| Noninterest expense to average assets | 2.7110% | 2,985 |
| Loan and lease loss provision to assets | 0.1810% | 1,080 |
| Net operating income to assets | 2.3601% | 191 |
| Return on assets (ROA) | 2.3555% | 191 |
| Pretax return on assets | 2.3555% | 272 |
| Return on Equity (ROE) | 26.4208% | 69 |
| Retained earnings to average equity (ytd only) | 11.6261% | 357 |
| Net charge-offs to loans | 0.0304% | 2,790 |
| Credit loss provision to net charge-offs | 739.7260% | 486 |
| Earnings coverage of net charge-offs (x) | 103.8767% | 724 |
| Efficiency ratio | 51.6174% | 4,826 |
| Assets per employee ($millions) | 5.4162% | 2,044 |
| Cash dividends to net income (ytd only)* | 55.9966% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 746 |
| Loan loss allowance to noncurrent loans | 274.6584% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 2,544 |
| Noncurrent loans to loans | 0.6384% | 2,388 |
| Net loans and leases to total assets | 78.8776% | 1,121 |
| Net loans and leases to deposits | 87.0519% | 2,159 |
| Net loans and leases to core deposits | 88.8183% | 2,669 |
| Total domestic deposits to total assets | 90.6099% | 293 |
| Equity capital to assets | 8.9113% | 4,643 |
| Core capital (leverage) ratio | 9.1805% | 4,480 |
| Tier 1 risk-based capital ratio | 11.0004% | 4,983 |
| Total risk-based capital ratio | 12.2560% | 4,869 |
| Memoranda: | ||
| Average total assets | $298,413,800 | 2,172 |
| Average earning assets | $283,236,400 | 2,115 |
| Average equity | $26,604,000 | 2,531 |
| Average total loans | $239,946,800 | 1,881 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 698 |
| Cost of funding earning assets | 0.3907% | 3,930 |
| Net interest margin | 4.7528% | 415 |
| Noninterest income to average assets | 0.6932% | 1,892 |
| Noninterest expense to average assets | 2.7225% | 2,910 |
| Loan and lease loss provision to assets | 0.1630% | 1,172 |
| Net operating income to assets | 2.3127% | 221 |
| Return on assets (ROA) | 2.3055% | 221 |
| Pretax return on assets | 2.3055% | 337 |
| Return on Equity (ROE) | 25.8571% | 73 |
| Retained earnings to average equity (ytd only) | 14.9445% | 179 |
| Net charge-offs to loans | 0.0079% | 3,131 |
| Credit loss provision to net charge-offs | 2,571.4286% | 161 |
| Earnings coverage of net charge-offs (x) | 390.4917% | 241 |
| Efficiency ratio | 52.3735% | 4,771 |
| Assets per employee ($millions) | 5.1104% | 2,327 |
| Cash dividends to net income (ytd only)* | 42.2035% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 844 |
| Loan loss allowance to noncurrent loans | 242.5832% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 2,419 |
| Noncurrent loans to loans | 0.7060% | 2,310 |
| Net loans and leases to total assets | 81.8637% | 741 |
| Net loans and leases to deposits | 90.6337% | 1,808 |
| Net loans and leases to core deposits | 92.5157% | 2,431 |
| Total domestic deposits to total assets | 90.3238% | 406 |
| Equity capital to assets | 9.1592% | 4,415 |
| Core capital (leverage) ratio | 9.2491% | 4,461 |
| Tier 1 risk-based capital ratio | 11.1665% | 4,961 |
| Total risk-based capital ratio | 12.4217% | 4,860 |
| Memoranda: | ||
| Average total assets | $294,482,000 | 2,200 |
| Average earning assets | $279,126,750 | 2,149 |
| Average equity | $26,256,500 | 2,565 |
| Average total loans | $236,881,250 | 1,909 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 777 |
| Cost of funding earning assets | 0.3647% | 3,982 |
| Net interest margin | 4.6610% | 487 |
| Noninterest income to average assets | 0.6593% | 2,049 |
| Noninterest expense to average assets | 2.7186% | 2,948 |
| Loan and lease loss provision to assets | 0.1438% | 1,341 |
| Net operating income to assets | 2.2065% | 255 |
| Return on assets (ROA) | 2.2003% | 247 |
| Pretax return on assets | 2.2003% | 387 |
| Return on Equity (ROE) | 24.9115% | 89 |
| Retained earnings to average equity (ytd only) | 13.3316% | 336 |
| Net charge-offs to loans | 0.0129% | 2,703 |
| Credit loss provision to net charge-offs | 1,400.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 228.8667% | 388 |
| Efficiency ratio | 53.6332% | 4,730 |
| Assets per employee ($millions) | 5.2584% | 2,144 |
| Cash dividends to net income (ytd only)* | 46.4841% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7118% | 889 |
| Loan loss allowance to noncurrent loans | 235.3175% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 2,497 |
| Noncurrent loans to loans | 0.7274% | 2,292 |
| Net loans and leases to total assets | 78.1498% | 1,285 |
| Net loans and leases to deposits | 88.5784% | 2,037 |
| Net loans and leases to core deposits | 100.7793% | 1,671 |
| Total domestic deposits to total assets | 88.2267% | 1,257 |
| Equity capital to assets | 8.7168% | 4,783 |
| Core capital (leverage) ratio | 9.1040% | 4,585 |
| Tier 1 risk-based capital ratio | 10.9212% | 5,099 |
| Total risk-based capital ratio | 12.1761% | 4,984 |
| Memoranda: | ||
| Average total assets | $292,138,670 | 2,217 |
| Average earning assets | $276,378,000 | 2,180 |
| Average equity | $25,803,330 | 2,607 |
| Average total loans | $232,131,670 | 1,943 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 905 |
| Cost of funding earning assets | 0.3318% | 4,124 |
| Net interest margin | 4.5491% | 554 |
| Noninterest income to average assets | 0.6034% | 2,243 |
| Noninterest expense to average assets | 2.7720% | 2,796 |
| Loan and lease loss provision to assets | 0.1470% | 1,251 |
| Net operating income to assets | 2.0034% | 373 |
| Return on assets (ROA) | 1.9880% | 383 |
| Pretax return on assets | 1.9880% | 581 |
| Return on Equity (ROE) | 22.3512% | 154 |
| Retained earnings to average equity (ytd only) | 9.1294% | 1,416 |
| Net charge-offs to loans | 0.0229% | 2,046 |
| Credit loss provision to net charge-offs | 807.6923% | 408 |
| Earnings coverage of net charge-offs (x) | 118.1538% | 530 |
| Efficiency ratio | 56.3140% | 4,540 |
| Assets per employee ($millions) | 4.9924% | 2,506 |
| Cash dividends to net income (ytd only)* | 59.1549% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7643% | 835 |
| Loan loss allowance to noncurrent loans | 227.2319% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6047% | 2,497 |
| Noncurrent loans to loans | 0.7764% | 2,263 |
| Net loans and leases to total assets | 76.5011% | 1,461 |
| Net loans and leases to deposits | 84.0777% | 2,384 |
| Net loans and leases to core deposits | 96.1314% | 1,966 |
| Total domestic deposits to total assets | 90.9886% | 326 |
| Equity capital to assets | 8.6610% | 4,852 |
| Core capital (leverage) ratio | 9.1765% | 4,469 |
| Tier 1 risk-based capital ratio | 10.9764% | 5,140 |
| Total risk-based capital ratio | 12.2320% | 5,039 |
| Memoranda: | ||
| Average total assets | $285,715,000 | 2,276 |
| Average earning assets | $271,263,500 | 2,222 |
| Average equity | $25,412,500 | 2,659 |
| Average total loans | $226,949,000 | 1,983 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 755 |
| Cost of funding earning assets | 0.2088% | 4,876 |
| Net interest margin | 4.7170% | 409 |
| Noninterest income to average assets | 0.7607% | 1,729 |
| Noninterest expense to average assets | 2.8430% | 2,637 |
| Loan and lease loss provision to assets | 0.1308% | 1,754 |
| Net operating income to assets | 2.2419% | 181 |
| Return on assets (ROA) | 2.2787% | 168 |
| Pretax return on assets | 2.2787% | 277 |
| Return on Equity (ROE) | 25.3480% | 64 |
| Retained earnings to average equity (ytd only) | 13.6590% | 116 |
| Net charge-offs to loans | -0.0552% | 5,216 |
| Credit loss provision to net charge-offs | -300.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5078% | 4,906 |
| Assets per employee ($millions) | 5.2242% | 2,224 |
| Cash dividends to net income (ytd only)* | 46.1142% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7616% | 841 |
| Loan loss allowance to noncurrent loans | 217.1884% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 2,352 |
| Noncurrent loans to loans | 0.8111% | 2,181 |
| Net loans and leases to total assets | 79.6598% | 1,008 |
| Net loans and leases to deposits | 88.1423% | 2,004 |
| Net loans and leases to core deposits | 96.2859% | 2,000 |
| Total domestic deposits to total assets | 90.3763% | 441 |
| Equity capital to assets | 9.1426% | 4,584 |
| Core capital (leverage) ratio | 9.1431% | 4,470 |
| Tier 1 risk-based capital ratio | 10.9568% | 5,173 |
| Total risk-based capital ratio | 12.2122% | 5,050 |
| Memoranda: | ||
| Average total assets | $263,700,600 | 2,378 |
| Average earning assets | $249,054,400 | 2,352 |
| Average equity | $23,706,000 | 2,786 |
| Average total loans | $208,320,800 | 2,094 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 777 |
| Cost of funding earning assets | 0.1963% | 5,005 |
| Net interest margin | 4.6912% | 414 |
| Noninterest income to average assets | 0.7404% | 1,830 |
| Noninterest expense to average assets | 2.8288% | 2,634 |
| Loan and lease loss provision to assets | 0.1229% | 1,763 |
| Net operating income to assets | 2.2170% | 206 |
| Return on assets (ROA) | 2.2697% | 185 |
| Pretax return on assets | 2.2697% | 309 |
| Return on Equity (ROE) | 25.3627% | 73 |
| Retained earnings to average equity (ytd only) | 13.7942% | 167 |
| Net charge-offs to loans | -0.0751% | 5,297 |
| Credit loss provision to net charge-offs | -208.6957% | 4,639 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7301% | 4,879 |
| Assets per employee ($millions) | 5.6221% | 1,810 |
| Cash dividends to net income (ytd only)* | 45.6124% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 928 |
| Loan loss allowance to noncurrent loans | 188.9107% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 2,334 |
| Noncurrent loans to loans | 0.9302% | 2,063 |
| Net loans and leases to total assets | 76.5700% | 1,490 |
| Net loans and leases to deposits | 84.4017% | 2,507 |
| Net loans and leases to core deposits | 93.3141% | 2,319 |
| Total domestic deposits to total assets | 90.7209% | 250 |
| Equity capital to assets | 8.8283% | 5,055 |
| Core capital (leverage) ratio | 8.9685% | 4,775 |
| Tier 1 risk-based capital ratio | 10.7533% | 5,358 |
| Total risk-based capital ratio | 12.0086% | 5,274 |
| Memoranda: | ||
| Average total assets | $260,405,750 | 2,426 |
| Average earning assets | $245,818,000 | 2,393 |
| Average equity | $23,304,000 | 2,851 |
| Average total loans | $204,271,750 | 2,135 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 817 |
| Cost of funding earning assets | 0.1714% | 5,196 |
| Net interest margin | 4.6549% | 433 |
| Noninterest income to average assets | 0.7424% | 1,801 |
| Noninterest expense to average assets | 2.8883% | 2,462 |
| Loan and lease loss provision to assets | 0.1065% | 1,911 |
| Net operating income to assets | 2.1404% | 243 |
| Return on assets (ROA) | 2.2311% | 203 |
| Pretax return on assets | 2.2311% | 336 |
| Return on Equity (ROE) | 24.8099% | 83 |
| Retained earnings to average equity (ytd only) | 12.8085% | 259 |
| Net charge-offs to loans | -0.1134% | 5,444 |
| Credit loss provision to net charge-offs | -119.4690% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2452% | 4,801 |
| Assets per employee ($millions) | 4.7949% | 2,659 |
| Cash dividends to net income (ytd only)* | 48.3734% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 992 |
| Loan loss allowance to noncurrent loans | 167.3223% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 2,131 |
| Noncurrent loans to loans | 1.0403% | 1,891 |
| Net loans and leases to total assets | 78.6896% | 1,138 |
| Net loans and leases to deposits | 86.6796% | 2,146 |
| Net loans and leases to core deposits | 97.8176% | 1,824 |
| Total domestic deposits to total assets | 90.7822% | 272 |
| Equity capital to assets | 8.8830% | 5,010 |
| Core capital (leverage) ratio | 9.0827% | 4,631 |
| Tier 1 risk-based capital ratio | 10.5618% | 5,437 |
| Total risk-based capital ratio | 11.8168% | 5,359 |
| Memoranda: | ||
| Average total assets | $253,503,330 | 2,494 |
| Average earning assets | $239,230,670 | 2,454 |
| Average equity | $22,797,330 | 2,905 |
| Average total loans | $199,331,330 | 2,170 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 908 |
| Cost of funding earning assets | 0.1641% | 5,277 |
| Net interest margin | 4.5544% | 474 |
| Noninterest income to average assets | 0.6276% | 2,279 |
| Noninterest expense to average assets | 3.0081% | 2,143 |
| Loan and lease loss provision to assets | 0.1106% | 1,730 |
| Net operating income to assets | 1.7968% | 452 |
| Return on assets (ROA) | 1.9529% | 342 |
| Pretax return on assets | 1.9529% | 554 |
| Return on Equity (ROE) | 21.5716% | 164 |
| Retained earnings to average equity (ytd only) | 8.7472% | 1,169 |
| Net charge-offs to loans | -0.0063% | 4,250 |
| Credit loss provision to net charge-offs | -2,266.6667% | 4,601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1975% | 4,284 |
| Assets per employee ($millions) | 4.6964% | 2,853 |
| Cash dividends to net income (ytd only)* | 59.4505% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8129% | 933 |
| Loan loss allowance to noncurrent loans | 148.2128% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 1,772 |
| Noncurrent loans to loans | 1.2232% | 1,658 |
| Net loans and leases to total assets | 77.5920% | 1,187 |
| Net loans and leases to deposits | 85.6306% | 2,077 |
| Net loans and leases to core deposits | 89.9280% | 2,353 |
| Total domestic deposits to total assets | 90.6126% | 422 |
| Equity capital to assets | 9.0885% | 4,722 |
| Core capital (leverage) ratio | 9.0510% | 4,677 |
| Tier 1 risk-based capital ratio | 10.9670% | 5,329 |
| Total risk-based capital ratio | 12.2227% | 5,240 |
| Memoranda: | ||
| Average total assets | $245,999,000 | 2,571 |
| Average earning assets | $231,601,500 | 2,538 |
| Average equity | $22,270,000 | 2,961 |
| Average total loans | $191,480,000 | 2,260 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7951% | 900 |
| Cost of funding earning assets | 0.1852% | 5,159 |
| Net interest margin | 4.6099% | 501 |
| Noninterest income to average assets | 0.7407% | 1,992 |
| Noninterest expense to average assets | 3.0638% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9994% | 317 |
| Return on assets (ROA) | 2.0088% | 328 |
| Pretax return on assets | 2.0088% | 495 |
| Return on Equity (ROE) | 21.6811% | 158 |
| Retained earnings to average equity (ytd only) | 8.0133% | 852 |
| Net charge-offs to loans | -0.0527% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5119% | 4,502 |
| Assets per employee ($millions) | 4.5017% | 3,114 |
| Cash dividends to net income (ytd only)* | 63.0402% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8764% | 844 |
| Loan loss allowance to noncurrent loans | 257.9336% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6191% | 2,870 |
| Noncurrent loans to loans | 0.7275% | 2,713 |
| Net loans and leases to total assets | 75.1846% | 1,659 |
| Net loans and leases to deposits | 83.1769% | 2,517 |
| Net loans and leases to core deposits | 87.0286% | 2,764 |
| Total domestic deposits to total assets | 90.3913% | 481 |
| Equity capital to assets | 9.0164% | 4,800 |
| Core capital (leverage) ratio | 9.0024% | 4,746 |
| Tier 1 risk-based capital ratio | 11.1795% | 5,240 |
| Total risk-based capital ratio | 12.4356% | 5,124 |
| Memoranda: | ||
| Average total assets | $233,825,000 | 2,626 |
| Average earning assets | $219,244,200 | 2,611 |
| Average equity | $21,664,000 | 3,007 |
| Average total loans | $172,785,400 | 2,387 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 915 |
| Cost of funding earning assets | 0.1862% | 5,211 |
| Net interest margin | 4.6072% | 500 |
| Noninterest income to average assets | 0.6905% | 2,214 |
| Noninterest expense to average assets | 3.0547% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9547% | 363 |
| Return on assets (ROA) | 1.9719% | 370 |
| Pretax return on assets | 1.9719% | 613 |
| Return on Equity (ROE) | 21.1348% | 191 |
| Retained earnings to average equity (ytd only) | 7.0120% | 1,627 |
| Net charge-offs to loans | -0.0708% | 5,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9795% | 4,396 |
| Assets per employee ($millions) | 4.1424% | 3,705 |
| Cash dividends to net income (ytd only)* | 66.8224% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9323% | 807 |
| Loan loss allowance to noncurrent loans | 252.0924% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 2,982 |
| Noncurrent loans to loans | 0.7665% | 2,754 |
| Net loans and leases to total assets | 73.8067% | 1,900 |
| Net loans and leases to deposits | 81.8315% | 2,756 |
| Net loans and leases to core deposits | 85.7776% | 2,970 |
| Total domestic deposits to total assets | 90.1935% | 408 |
| Equity capital to assets | 9.3744% | 4,787 |
| Core capital (leverage) ratio | 8.9482% | 4,883 |
| Tier 1 risk-based capital ratio | 10.9987% | 5,370 |
| Total risk-based capital ratio | 12.2552% | 5,281 |
| Memoranda: | ||
| Average total assets | $231,508,500 | 2,655 |
| Average earning assets | $217,019,000 | 2,638 |
| Average equity | $21,600,500 | 3,038 |
| Average total loans | $169,416,250 | 2,425 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 974 |
| Cost of funding earning assets | 0.1930% | 5,211 |
| Net interest margin | 4.5446% | 561 |
| Noninterest income to average assets | 0.6859% | 2,206 |
| Noninterest expense to average assets | 3.0552% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8960% | 397 |
| Return on assets (ROA) | 1.9100% | 409 |
| Pretax return on assets | 1.9100% | 681 |
| Return on Equity (ROE) | 20.5044% | 218 |
| Retained earnings to average equity (ytd only) | 5.3351% | 2,527 |
| Net charge-offs to loans | -0.0242% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7070% | 4,387 |
| Assets per employee ($millions) | 4.5351% | 2,958 |
| Cash dividends to net income (ytd only)* | 73.9808% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9464% | 825 |
| Loan loss allowance to noncurrent loans | 358.9099% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 3,269 |
| Noncurrent loans to loans | 0.5423% | 3,445 |
| Net loans and leases to total assets | 73.1428% | 1,997 |
| Net loans and leases to deposits | 82.8625% | 2,605 |
| Net loans and leases to core deposits | 91.2206% | 2,415 |
| Total domestic deposits to total assets | 88.2701% | 1,287 |
| Equity capital to assets | 9.4205% | 4,850 |
| Core capital (leverage) ratio | 9.0861% | 4,732 |
| Tier 1 risk-based capital ratio | 10.9435% | 5,446 |
| Total risk-based capital ratio | 12.2000% | 5,374 |
| Memoranda: | ||
| Average total assets | $228,591,330 | 2,691 |
| Average earning assets | $214,540,670 | 2,669 |
| Average equity | $21,293,000 | 3,069 |
| Average total loans | $165,614,330 | 2,468 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 1,045 |
| Cost of funding earning assets | 0.2053% | 5,150 |
| Net interest margin | 4.4965% | 611 |
| Noninterest income to average assets | 0.6081% | 2,478 |
| Noninterest expense to average assets | 3.0901% | 2,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7246% | 543 |
| Return on assets (ROA) | 1.7673% | 528 |
| Pretax return on assets | 1.7673% | 904 |
| Return on Equity (ROE) | 19.0865% | 288 |
| Retained earnings to average equity (ytd only) | 0.9793% | 4,848 |
| Net charge-offs to loans | -0.0274% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1802% | 4,093 |
| Assets per employee ($millions) | 4.7446% | 2,682 |
| Cash dividends to net income (ytd only)* | 94.8692% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0876% | 703 |
| Loan loss allowance to noncurrent loans | 348.3673% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 3,219 |
| Noncurrent loans to loans | 0.5992% | 3,380 |
| Net loans and leases to total assets | 70.3098% | 2,288 |
| Net loans and leases to deposits | 78.3030% | 2,971 |
| Net loans and leases to core deposits | 82.1470% | 3,117 |
| Total domestic deposits to total assets | 89.7920% | 683 |
| Equity capital to assets | 9.2368% | 4,951 |
| Core capital (leverage) ratio | 9.1112% | 4,722 |
| Tier 1 risk-based capital ratio | 11.4442% | 5,260 |
| Total risk-based capital ratio | 12.7022% | 5,161 |
| Memoranda: | ||
| Average total assets | $224,974,500 | 2,735 |
| Average earning assets | $210,473,500 | 2,712 |
| Average equity | $20,831,500 | 3,113 |
| Average total loans | $160,465,000 | 2,520 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8203% | 895 |
| Cost of funding earning assets | 0.2095% | 5,200 |
| Net interest margin | 4.6108% | 535 |
| Noninterest income to average assets | 0.7086% | 2,163 |
| Noninterest expense to average assets | 3.0921% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8888% | 413 |
| Return on assets (ROA) | 1.8869% | 424 |
| Pretax return on assets | 1.8869% | 672 |
| Return on Equity (ROE) | 20.0332% | 253 |
| Retained earnings to average equity (ytd only) | 7.2980% | 1,168 |
| Net charge-offs to loans | -0.0348% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0791% | 4,588 |
| Assets per employee ($millions) | 4.3570% | 3,293 |
| Cash dividends to net income (ytd only)* | 63.5705% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1628% | 627 |
| Loan loss allowance to noncurrent loans | 338.3698% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 3,125 |
| Noncurrent loans to loans | 0.6392% | 3,272 |
| Net loans and leases to total assets | 69.2989% | 2,487 |
| Net loans and leases to deposits | 77.3043% | 3,127 |
| Net loans and leases to core deposits | 81.5769% | 3,192 |
| Total domestic deposits to total assets | 89.6443% | 781 |
| Equity capital to assets | 9.2828% | 4,811 |
| Core capital (leverage) ratio | 9.2839% | 4,500 |
| Tier 1 risk-based capital ratio | 11.6735% | 5,150 |
| Total risk-based capital ratio | 12.9317% | 5,059 |
| Memoranda: | ||
| Average total assets | $212,247,800 | 2,819 |
| Average earning assets | $196,668,800 | 2,815 |
| Average equity | $19,991,800 | 3,169 |
| Average total loans | $149,637,200 | 2,601 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8255% | 893 |
| Cost of funding earning assets | 0.2128% | 5,260 |
| Net interest margin | 4.6127% | 530 |
| Noninterest income to average assets | 0.7284% | 2,117 |
| Noninterest expense to average assets | 3.1261% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8739% | 446 |
| Return on assets (ROA) | 1.8789% | 459 |
| Pretax return on assets | 1.8789% | 754 |
| Return on Equity (ROE) | 19.8721% | 277 |
| Retained earnings to average equity (ytd only) | 6.9243% | 1,723 |
| Net charge-offs to loans | -0.0343% | 5,409 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5222% | 4,489 |
| Assets per employee ($millions) | 4.0324% | 3,827 |
| Cash dividends to net income (ytd only)* | 65.1558% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2528% | 610 |
| Loan loss allowance to noncurrent loans | 336.4087% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 3,249 |
| Noncurrent loans to loans | 0.6697% | 3,321 |
| Net loans and leases to total assets | 68.8459% | 2,554 |
| Net loans and leases to deposits | 77.0367% | 3,191 |
| Net loans and leases to core deposits | 81.7961% | 3,272 |
| Total domestic deposits to total assets | 89.3676% | 831 |
| Equity capital to assets | 9.5473% | 4,695 |
| Core capital (leverage) ratio | 9.2536% | 4,659 |
| Tier 1 risk-based capital ratio | 12.0395% | 5,057 |
| Total risk-based capital ratio | 13.2991% | 4,967 |
| Memoranda: | ||
| Average total assets | $209,758,000 | 2,870 |
| Average earning assets | $194,239,750 | 2,862 |
| Average equity | $19,833,000 | 3,219 |
| Average total loans | $147,698,750 | 2,634 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8115% | 874 |
| Cost of funding earning assets | 0.2143% | 5,315 |
| Net interest margin | 4.5972% | 535 |
| Noninterest income to average assets | 0.6976% | 2,224 |
| Noninterest expense to average assets | 3.1299% | 2,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8077% | 509 |
| Return on assets (ROA) | 1.7905% | 553 |
| Pretax return on assets | 1.7905% | 912 |
| Return on Equity (ROE) | 18.9995% | 335 |
| Retained earnings to average equity (ytd only) | 5.7121% | 2,406 |
| Net charge-offs to loans | -0.0531% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3890% | 4,450 |
| Assets per employee ($millions) | 4.1849% | 3,495 |
| Cash dividends to net income (ytd only)* | 69.9357% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2607% | 672 |
| Loan loss allowance to noncurrent loans | 312.2468% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 2,919 |
| Noncurrent loans to loans | 0.7240% | 3,312 |
| Net loans and leases to total assets | 68.6914% | 2,538 |
| Net loans and leases to deposits | 76.5909% | 3,198 |
| Net loans and leases to core deposits | 81.9021% | 3,188 |
| Total domestic deposits to total assets | 89.6861% | 794 |
| Equity capital to assets | 9.2864% | 4,910 |
| Core capital (leverage) ratio | 9.2218% | 4,661 |
| Tier 1 risk-based capital ratio | 11.8572% | 5,242 |
| Total risk-based capital ratio | 13.1168% | 5,135 |
| Memoranda: | ||
| Average total assets | $208,439,000 | 2,910 |
| Average earning assets | $192,248,330 | 2,910 |
| Average equity | $19,642,670 | 3,251 |
| Average total loans | $146,756,670 | 2,664 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7885% | 883 |
| Cost of funding earning assets | 0.2167% | 5,347 |
| Net interest margin | 4.5718% | 533 |
| Noninterest income to average assets | 0.5516% | 2,939 |
| Noninterest expense to average assets | 3.1484% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6237% | 689 |
| Return on assets (ROA) | 1.6082% | 735 |
| Pretax return on assets | 1.6082% | 1,250 |
| Return on Equity (ROE) | 16.9377% | 478 |
| Retained earnings to average equity (ytd only) | 1.9229% | 4,705 |
| Net charge-offs to loans | -0.0248% | 5,149 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9748% | 4,163 |
| Assets per employee ($millions) | 4.2324% | 3,502 |
| Cash dividends to net income (ytd only)* | 88.6473% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2876% | 715 |
| Loan loss allowance to noncurrent loans | 325.9942% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 3,054 |
| Noncurrent loans to loans | 0.7017% | 3,523 |
| Net loans and leases to total assets | 67.8384% | 2,468 |
| Net loans and leases to deposits | 75.5751% | 3,105 |
| Net loans and leases to core deposits | 80.7139% | 3,081 |
| Total domestic deposits to total assets | 89.7629% | 865 |
| Equity capital to assets | 9.2883% | 4,985 |
| Core capital (leverage) ratio | 9.1427% | 4,798 |
| Tier 1 risk-based capital ratio | 11.8776% | 5,321 |
| Total risk-based capital ratio | 13.1379% | 5,204 |
| Memoranda: | ||
| Average total assets | $205,943,500 | 2,951 |
| Average earning assets | $190,123,500 | 2,944 |
| Average equity | $19,554,000 | 3,282 |
| Average total loans | $145,135,500 | 2,689 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9334% | 868 |
| Cost of funding earning assets | 0.2404% | 5,421 |
| Net interest margin | 4.6930% | 528 |
| Noninterest income to average assets | 0.7231% | 2,199 |
| Noninterest expense to average assets | 3.0922% | 2,543 |
| Loan and lease loss provision to assets | 0.0638% | 3,239 |
| Net operating income to assets | 1.8936% | 396 |
| Return on assets (ROA) | 1.9416% | 374 |
| Pretax return on assets | 1.9416% | 575 |
| Return on Equity (ROE) | 20.3246% | 234 |
| Retained earnings to average equity (ytd only) | 4.7631% | 2,785 |
| Net charge-offs to loans | -0.2498% | 6,302 |
| Credit loss provision to net charge-offs | -37.7644% | 5,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2358% | 5,034 |
| Assets per employee ($millions) | 3.9268% | 4,105 |
| Cash dividends to net income (ytd only)* | 76.5650% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3390% | 683 |
| Loan loss allowance to noncurrent loans | 319.3333% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 3,023 |
| Noncurrent loans to loans | 0.7325% | 3,488 |
| Net loans and leases to total assets | 69.9054% | 2,251 |
| Net loans and leases to deposits | 78.3747% | 2,930 |
| Net loans and leases to core deposits | 84.1960% | 2,881 |
| Total domestic deposits to total assets | 89.1938% | 1,125 |
| Equity capital to assets | 9.7131% | 4,452 |
| Core capital (leverage) ratio | 9.4406% | 4,320 |
| Tier 1 risk-based capital ratio | 12.0457% | 5,332 |
| Total risk-based capital ratio | 13.2938% | 5,241 |
| Memoranda: | ||
| Average total assets | $195,813,600 | 3,042 |
| Average earning assets | $180,526,000 | 3,034 |
| Average equity | $18,706,400 | 3,325 |
| Average total loans | $132,519,200 | 2,819 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 939 |
| Cost of funding earning assets | 0.2446% | 5,460 |
| Net interest margin | 4.6510% | 561 |
| Noninterest income to average assets | 0.7211% | 2,220 |
| Noninterest expense to average assets | 3.0576% | 2,604 |
| Loan and lease loss provision to assets | 0.0856% | 2,645 |
| Net operating income to assets | 1.8750% | 444 |
| Return on assets (ROA) | 1.9154% | 422 |
| Pretax return on assets | 1.9154% | 693 |
| Return on Equity (ROE) | 20.1363% | 277 |
| Retained earnings to average equity (ytd only) | 1.6414% | 5,228 |
| Net charge-offs to loans | -0.3369% | 6,410 |
| Credit loss provision to net charge-offs | -38.1098% | 5,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9307% | 5,052 |
| Assets per employee ($millions) | 3.8338% | 4,221 |
| Cash dividends to net income (ytd only)* | 91.8485% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4256% | 704 |
| Loan loss allowance to noncurrent loans | 313.6704% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 3,222 |
| Noncurrent loans to loans | 0.7733% | 3,652 |
| Net loans and leases to total assets | 67.5967% | 2,599 |
| Net loans and leases to deposits | 75.5010% | 3,244 |
| Net loans and leases to core deposits | 83.6061% | 2,931 |
| Total domestic deposits to total assets | 89.5308% | 970 |
| Equity capital to assets | 9.3953% | 4,932 |
| Core capital (leverage) ratio | 9.4080% | 4,502 |
| Tier 1 risk-based capital ratio | 11.9120% | 5,547 |
| Total risk-based capital ratio | 13.1736% | 5,458 |
| Memoranda: | ||
| Average total assets | $194,700,750 | 3,073 |
| Average earning assets | $179,884,500 | 3,063 |
| Average equity | $18,520,000 | 3,363 |
| Average total loans | $129,811,750 | 2,876 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,272 |
| Cost of funding earning assets | 0.2529% | 5,455 |
| Net interest margin | 4.4509% | 777 |
| Noninterest income to average assets | 0.7020% | 2,266 |
| Noninterest expense to average assets | 3.0557% | 2,645 |
| Loan and lease loss provision to assets | 0.1294% | 1,905 |
| Net operating income to assets | 1.6360% | 657 |
| Return on assets (ROA) | 1.6961% | 607 |
| Pretax return on assets | 1.6961% | 1,028 |
| Return on Equity (ROE) | 17.7561% | 482 |
| Retained earnings to average equity (ytd only) | 6.7209% | 1,913 |
| Net charge-offs to loans | -0.4896% | 6,509 |
| Credit loss provision to net charge-offs | -40.1929% | 5,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3806% | 4,791 |
| Assets per employee ($millions) | 3.9118% | 4,035 |
| Cash dividends to net income (ytd only)* | 62.1490% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5638% | 654 |
| Loan loss allowance to noncurrent loans | 131.3115% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.6893% | 1,930 |
| Noncurrent loans to loans | 1.9524% | 1,732 |
| Net loans and leases to total assets | 66.1046% | 2,734 |
| Net loans and leases to deposits | 75.5784% | 3,114 |
| Net loans and leases to core deposits | 82.3512% | 2,933 |
| Total domestic deposits to total assets | 87.4649% | 2,211 |
| Equity capital to assets | 9.9224% | 4,214 |
| Core capital (leverage) ratio | 9.6398% | 4,126 |
| Tier 1 risk-based capital ratio | 12.6735% | 5,102 |
| Total risk-based capital ratio | 13.9363% | 5,036 |
| Memoranda: | ||
| Average total assets | $193,149,000 | 3,111 |
| Average earning assets | $178,749,330 | 3,097 |
| Average equity | $18,450,000 | 3,372 |
| Average total loans | $127,046,330 | 2,925 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 1,802 |
| Cost of funding earning assets | 0.2677% | 5,410 |
| Net interest margin | 4.2356% | 1,129 |
| Noninterest income to average assets | 0.6169% | 2,635 |
| Noninterest expense to average assets | 2.9894% | 2,899 |
| Loan and lease loss provision to assets | 0.1547% | 1,564 |
| Net operating income to assets | 1.3905% | 1,001 |
| Return on assets (ROA) | 1.4730% | 887 |
| Pretax return on assets | 1.4730% | 1,509 |
| Return on Equity (ROE) | 15.7221% | 675 |
| Retained earnings to average equity (ytd only) | 1.1450% | 5,145 |
| Net charge-offs to loans | -0.0892% | 6,078 |
| Credit loss provision to net charge-offs | -267.8571% | 5,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9236% | 4,543 |
| Assets per employee ($millions) | 4.1854% | 3,558 |
| Cash dividends to net income (ytd only)* | 92.7171% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3913% | 923 |
| Loan loss allowance to noncurrent loans | 93.8380% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.9805% | 1,735 |
| Noncurrent loans to loans | 2.5484% | 1,356 |
| Net loans and leases to total assets | 62.2486% | 3,195 |
| Net loans and leases to deposits | 69.3557% | 3,682 |
| Net loans and leases to core deposits | 74.7298% | 3,566 |
| Total domestic deposits to total assets | 89.7527% | 1,206 |
| Equity capital to assets | 9.2687% | 4,790 |
| Core capital (leverage) ratio | 9.2686% | 4,619 |
| Tier 1 risk-based capital ratio | 12.8063% | 5,116 |
| Total risk-based capital ratio | 14.0670% | 5,059 |
| Memoranda: | ||
| Average total assets | $193,884,500 | 3,122 |
| Average earning assets | $179,338,500 | 3,107 |
| Average equity | $18,165,500 | 3,402 |
| Average total loans | $125,548,500 | 2,961 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 1,977 |
| Cost of funding earning assets | 0.3021% | 5,579 |
| Net interest margin | 4.2630% | 1,190 |
| Noninterest income to average assets | 0.8061% | 2,058 |
| Noninterest expense to average assets | 2.9760% | 3,119 |
| Loan and lease loss provision to assets | 0.4717% | 601 |
| Net operating income to assets | 1.2862% | 1,286 |
| Return on assets (ROA) | 1.2490% | 1,452 |
| Pretax return on assets | 1.2490% | 2,366 |
| Return on Equity (ROE) | 13.1681% | 1,138 |
| Retained earnings to average equity (ytd only) | 2.8458% | 4,222 |
| Net charge-offs to loans | 0.3863% | 1,751 |
| Credit loss provision to net charge-offs | 196.5066% | 1,166 |
| Earnings coverage of net charge-offs (x) | 7.3231% | 2,868 |
| Efficiency ratio | 62.8654% | 5,076 |
| Assets per employee ($millions) | 4.0650% | 3,724 |
| Cash dividends to net income (ytd only)* | 78.3886% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3057% | 1,033 |
| Loan loss allowance to noncurrent loans | 95.2961% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.9398% | 1,862 |
| Noncurrent loans to loans | 2.4195% | 1,580 |
| Net loans and leases to total assets | 64.2476% | 3,000 |
| Net loans and leases to deposits | 71.8298% | 3,541 |
| Net loans and leases to core deposits | 77.7101% | 3,405 |
| Total domestic deposits to total assets | 89.4443% | 1,364 |
| Equity capital to assets | 9.4728% | 4,464 |
| Core capital (leverage) ratio | 9.4289% | 4,370 |
| Tier 1 risk-based capital ratio | 12.6020% | 5,231 |
| Total risk-based capital ratio | 13.8617% | 5,172 |
| Memoranda: | ||
| Average total assets | $190,794,000 | 3,147 |
| Average earning assets | $175,791,600 | 3,135 |
| Average equity | $18,096,800 | 3,403 |
| Average total loans | $118,545,600 | 3,067 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 2,310 |
| Cost of funding earning assets | 0.3086% | 5,658 |
| Net interest margin | 4.1714% | 1,418 |
| Noninterest income to average assets | 0.8067% | 2,110 |
| Noninterest expense to average assets | 2.9989% | 2,998 |
| Loan and lease loss provision to assets | 0.5243% | 516 |
| Net operating income to assets | 1.1297% | 1,886 |
| Return on assets (ROA) | 1.1241% | 1,984 |
| Pretax return on assets | 1.1241% | 3,005 |
| Return on Equity (ROE) | 11.8473% | 1,523 |
| Retained earnings to average equity (ytd only) | 2.3798% | 4,908 |
| Net charge-offs to loans | 0.5047% | 1,275 |
| Credit loss provision to net charge-offs | 169.6833% | 1,404 |
| Earnings coverage of net charge-offs (x) | 5.3529% | 3,214 |
| Efficiency ratio | 64.4531% | 4,730 |
| Assets per employee ($millions) | 3.6378% | 4,584 |
| Cash dividends to net income (ytd only)* | 79.9128% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3344% | 1,132 |
| Loan loss allowance to noncurrent loans | 92.2204% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.0754% | 1,932 |
| Noncurrent loans to loans | 2.5314% | 1,705 |
| Net loans and leases to total assets | 61.0852% | 3,511 |
| Net loans and leases to deposits | 68.7030% | 3,972 |
| Net loans and leases to core deposits | 74.4097% | 3,792 |
| Total domestic deposits to total assets | 88.9119% | 1,609 |
| Equity capital to assets | 9.4245% | 4,641 |
| Core capital (leverage) ratio | 9.5550% | 4,327 |
| Tier 1 risk-based capital ratio | 12.9408% | 5,161 |
| Total risk-based capital ratio | 14.2002% | 5,103 |
| Memoranda: | ||
| Average total assets | $190,729,250 | 3,173 |
| Average earning assets | $175,858,250 | 3,162 |
| Average equity | $18,096,500 | 3,442 |
| Average total loans | $116,771,000 | 3,128 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 2,338 |
| Cost of funding earning assets | 0.3188% | 5,672 |
| Net interest margin | 4.1449% | 1,424 |
| Noninterest income to average assets | 0.8220% | 2,103 |
| Noninterest expense to average assets | 2.9856% | 3,048 |
| Loan and lease loss provision to assets | 0.6275% | 397 |
| Net operating income to assets | 1.0301% | 2,201 |
| Return on assets (ROA) | 1.0238% | 2,346 |
| Pretax return on assets | 1.0238% | 3,399 |
| Return on Equity (ROE) | 10.7665% | 1,895 |
| Retained earnings to average equity (ytd only) | -0.8028% | 6,009 |
| Net charge-offs to loans | -0.0103% | 5,775 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3018% | 4,826 |
| Assets per employee ($millions) | 3.9297% | 3,959 |
| Cash dividends to net income (ytd only)* | 107.4566% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6161% | 869 |
| Loan loss allowance to noncurrent loans | 87.8049% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 2.3909% | 1,783 |
| Noncurrent loans to loans | 2.9794% | 1,495 |
| Net loans and leases to total assets | 61.6737% | 3,361 |
| Net loans and leases to deposits | 68.9854% | 3,860 |
| Net loans and leases to core deposits | 74.8246% | 3,688 |
| Total domestic deposits to total assets | 89.4011% | 1,377 |
| Equity capital to assets | 9.5513% | 4,516 |
| Core capital (leverage) ratio | 9.1314% | 4,783 |
| Tier 1 risk-based capital ratio | 13.0309% | 5,124 |
| Total risk-based capital ratio | 14.2934% | 5,054 |
| Memoranda: | ||
| Average total assets | $191,250,000 | 3,177 |
| Average earning assets | $176,313,670 | 3,167 |
| Average equity | $18,186,000 | 3,446 |
| Average total loans | $116,256,330 | 3,140 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 2,551 |
| Cost of funding earning assets | 0.3330% | 5,686 |
| Net interest margin | 4.0588% | 1,592 |
| Noninterest income to average assets | 0.7012% | 2,584 |
| Noninterest expense to average assets | 2.9446% | 3,178 |
| Loan and lease loss provision to assets | 0.6169% | 408 |
| Net operating income to assets | 0.8739% | 2,783 |
| Return on assets (ROA) | 0.8657% | 2,973 |
| Pretax return on assets | 0.8657% | 3,893 |
| Return on Equity (ROE) | 9.1232% | 2,429 |
| Retained earnings to average equity (ytd only) | 4.0090% | 3,830 |
| Net charge-offs to loans | 0.0587% | 3,236 |
| Credit loss provision to net charge-offs | 1,764.7059% | 186 |
| Earnings coverage of net charge-offs (x) | 42.6471% | 746 |
| Efficiency ratio | 66.3885% | 4,599 |
| Assets per employee ($millions) | 4.2245% | 3,489 |
| Cash dividends to net income (ytd only)* | 56.0570% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3697% | 1,298 |
| Loan loss allowance to noncurrent loans | 87.8088% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.8903% | 2,487 |
| Noncurrent loans to loans | 2.6987% | 1,898 |
| Net loans and leases to total assets | 55.6089% | 4,150 |
| Net loans and leases to deposits | 61.8177% | 4,574 |
| Net loans and leases to core deposits | 67.9615% | 4,308 |
| Total domestic deposits to total assets | 89.9564% | 1,077 |
| Equity capital to assets | 9.1279% | 5,335 |
| Core capital (leverage) ratio | 9.3860% | 4,263 |
| Tier 1 risk-based capital ratio | 13.4435% | 4,915 |
| Total risk-based capital ratio | 14.7042% | 4,863 |
| Memoranda: | ||
| Average total assets | $194,526,000 | 3,165 |
| Average earning assets | $178,967,000 | 3,162 |
| Average equity | $18,458,500 | 3,459 |
| Average total loans | $115,899,500 | 3,161 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 1,973 |
| Cost of funding earning assets | 0.4318% | 5,710 |
| Net interest margin | 4.4310% | 1,088 |
| Noninterest income to average assets | 0.9455% | 1,719 |
| Noninterest expense to average assets | 3.1320% | 2,838 |
| Loan and lease loss provision to assets | 0.7825% | 625 |
| Net operating income to assets | 1.0823% | 2,000 |
| Return on assets (ROA) | 1.1224% | 2,030 |
| Pretax return on assets | 1.1224% | 3,074 |
| Return on Equity (ROE) | 11.7168% | 1,588 |
| Retained earnings to average equity (ytd only) | 8.7016% | 910 |
| Net charge-offs to loans | 1.3525% | 701 |
| Credit loss provision to net charge-offs | 96.2838% | 3,220 |
| Earnings coverage of net charge-offs (x) | 2.2946% | 4,273 |
| Efficiency ratio | 62.6813% | 5,137 |
| Assets per employee ($millions) | 3.8808% | 4,197 |
| Cash dividends to net income (ytd only)* | 25.7339% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1100% | 1,745 |
| Loan loss allowance to noncurrent loans | 62.5861% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 2.1200% | 2,310 |
| Noncurrent loans to loans | 3.3714% | 1,497 |
| Net loans and leases to total assets | 61.1170% | 3,397 |
| Net loans and leases to deposits | 69.9916% | 3,716 |
| Net loans and leases to core deposits | 77.6651% | 3,306 |
| Total domestic deposits to total assets | 87.3205% | 2,633 |
| Equity capital to assets | 9.8821% | 4,335 |
| Core capital (leverage) ratio | 9.4116% | 4,242 |
| Tier 1 risk-based capital ratio | 13.1833% | 4,976 |
| Total risk-based capital ratio | 14.4409% | 4,911 |
| Memoranda: | ||
| Average total assets | $182,117,600 | 3,285 |
| Average earning assets | $166,507,600 | 3,281 |
| Average equity | $17,445,000 | 3,549 |
| Average total loans | $109,430,000 | 3,308 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 2,030 |
| Cost of funding earning assets | 0.4476% | 5,812 |
| Net interest margin | 4.4465% | 1,096 |
| Noninterest income to average assets | 0.9660% | 1,613 |
| Noninterest expense to average assets | 3.1536% | 2,706 |
| Loan and lease loss provision to assets | 0.8284% | 560 |
| Net operating income to assets | 1.0360% | 2,336 |
| Return on assets (ROA) | 1.0345% | 2,564 |
| Pretax return on assets | 1.0345% | 3,587 |
| Return on Equity (ROE) | 10.8885% | 1,998 |
| Retained earnings to average equity (ytd only) | 9.9585% | 925 |
| Net charge-offs to loans | 1.4532% | 610 |
| Credit loss provision to net charge-offs | 95.8262% | 3,115 |
| Earnings coverage of net charge-offs (x) | 2.1567% | 4,186 |
| Efficiency ratio | 62.8467% | 5,001 |
| Assets per employee ($millions) | 4.1513% | 3,566 |
| Cash dividends to net income (ytd only)* | 8.5411% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 1,683 |
| Loan loss allowance to noncurrent loans | 57.7835% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.3414% | 2,271 |
| Noncurrent loans to loans | 3.8329% | 1,373 |
| Net loans and leases to total assets | 58.1634% | 4,108 |
| Net loans and leases to deposits | 66.7976% | 4,363 |
| Net loans and leases to core deposits | 73.9809% | 3,974 |
| Total domestic deposits to total assets | 87.0740% | 2,617 |
| Equity capital to assets | 9.8089% | 4,768 |
| Core capital (leverage) ratio | 9.0194% | 5,037 |
| Tier 1 risk-based capital ratio | 13.3659% | 4,976 |
| Total risk-based capital ratio | 14.6238% | 4,929 |
| Memoranda: | ||
| Average total assets | $181,077,750 | 3,331 |
| Average earning assets | $165,008,000 | 3,340 |
| Average equity | $17,204,250 | 3,623 |
| Average total loans | $107,712,250 | 3,374 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9236% | 2,010 |
| Cost of funding earning assets | 0.4499% | 5,976 |
| Net interest margin | 4.4737% | 1,040 |
| Noninterest income to average assets | 0.9209% | 1,707 |
| Noninterest expense to average assets | 3.1412% | 2,775 |
| Loan and lease loss provision to assets | 0.9209% | 500 |
| Net operating income to assets | 0.9209% | 2,805 |
| Return on assets (ROA) | 0.9220% | 3,064 |
| Pretax return on assets | 0.9220% | 3,997 |
| Return on Equity (ROE) | 9.8152% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.3893% | 1,486 |
| Net charge-offs to loans | 0.9064% | 1,215 |
| Credit loss provision to net charge-offs | 170.8075% | 1,641 |
| Earnings coverage of net charge-offs (x) | 3.4161% | 3,379 |
| Efficiency ratio | 63.0376% | 5,074 |
| Assets per employee ($millions) | 3.9784% | 3,923 |
| Cash dividends to net income (ytd only)* | 14.5278% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5982% | 1,156 |
| Loan loss allowance to noncurrent loans | 71.7484% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 2.3187% | 2,415 |
| Noncurrent loans to loans | 3.6212% | 1,580 |
| Net loans and leases to total assets | 59.7215% | 3,876 |
| Net loans and leases to deposits | 69.4221% | 3,980 |
| Net loans and leases to core deposits | 77.8020% | 3,547 |
| Total domestic deposits to total assets | 86.0266% | 3,346 |
| Equity capital to assets | 9.7450% | 4,698 |
| Core capital (leverage) ratio | 9.2549% | 4,521 |
| Tier 1 risk-based capital ratio | 13.2508% | 5,001 |
| Total risk-based capital ratio | 14.5104% | 4,964 |
| Memoranda: | ||
| Average total assets | $179,167,000 | 3,368 |
| Average earning assets | $162,685,670 | 3,375 |
| Average equity | $16,831,000 | 3,674 |
| Average total loans | $106,577,670 | 3,411 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 2,332 |
| Cost of funding earning assets | 0.4569% | 6,106 |
| Net interest margin | 4.4202% | 1,185 |
| Noninterest income to average assets | 0.8168% | 2,076 |
| Noninterest expense to average assets | 3.1578% | 2,743 |
| Loan and lease loss provision to assets | 1.0043% | 408 |
| Net operating income to assets | 0.6271% | 4,233 |
| Return on assets (ROA) | 0.6427% | 4,361 |
| Pretax return on assets | 0.6427% | 4,962 |
| Return on Equity (ROE) | 6.9719% | 3,796 |
| Retained earnings to average equity (ytd only) | 4.0669% | 4,153 |
| Net charge-offs to loans | 0.5944% | 1,606 |
| Credit loss provision to net charge-offs | 288.4615% | 1,021 |
| Earnings coverage of net charge-offs (x) | 4.6859% | 2,519 |
| Efficiency ratio | 65.9366% | 4,562 |
| Assets per employee ($millions) | 4.0951% | 3,812 |
| Cash dividends to net income (ytd only)* | 41.6667% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6816% | 1,138 |
| Loan loss allowance to noncurrent loans | 63.3876% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.6530% | 2,230 |
| Noncurrent loans to loans | 4.2304% | 1,421 |
| Net loans and leases to total assets | 55.2010% | 4,524 |
| Net loans and leases to deposits | 62.7816% | 4,799 |
| Net loans and leases to core deposits | 69.4909% | 4,502 |
| Total domestic deposits to total assets | 87.9255% | 2,373 |
| Equity capital to assets | 8.9960% | 5,499 |
| Core capital (leverage) ratio | 9.2337% | 4,465 |
| Tier 1 risk-based capital ratio | 13.4480% | 4,862 |
| Total risk-based capital ratio | 14.7132% | 4,842 |
| Memoranda: | ||
| Average total assets | $179,237,500 | 3,393 |
| Average earning assets | $161,079,500 | 3,420 |
| Average equity | $16,523,500 | 3,728 |
| Average total loans | $104,982,000 | 3,482 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 2,135 |
| Cost of funding earning assets | 0.6312% | 5,920 |
| Net interest margin | 4.5525% | 1,022 |
| Noninterest income to average assets | 0.7751% | 2,197 |
| Noninterest expense to average assets | 3.0975% | 3,206 |
| Loan and lease loss provision to assets | 1.4024% | 556 |
| Net operating income to assets | 0.4375% | 4,700 |
| Return on assets (ROA) | 0.5315% | 4,498 |
| Pretax return on assets | 0.5315% | 4,899 |
| Return on Equity (ROE) | 6.0280% | 3,860 |
| Retained earnings to average equity (ytd only) | 2.5172% | 4,436 |
| Net charge-offs to loans | 1.6810% | 911 |
| Credit loss provision to net charge-offs | 134.5098% | 2,240 |
| Earnings coverage of net charge-offs (x) | 1.7647% | 4,457 |
| Efficiency ratio | 62.7351% | 5,344 |
| Assets per employee ($millions) | 3.7868% | 4,350 |
| Cash dividends to net income (ytd only)* | 58.2418% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3796% | 1,495 |
| Loan loss allowance to noncurrent loans | 49.9701% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 2.9645% | 2,025 |
| Noncurrent loans to loans | 4.7621% | 1,223 |
| Net loans and leases to total assets | 59.0876% | 4,180 |
| Net loans and leases to deposits | 67.5813% | 4,498 |
| Net loans and leases to core deposits | 74.8974% | 4,116 |
| Total domestic deposits to total assets | 87.4318% | 2,509 |
| Equity capital to assets | 9.4544% | 4,953 |
| Core capital (leverage) ratio | 9.0994% | 4,617 |
| Tier 1 risk-based capital ratio | 13.4508% | 4,732 |
| Total risk-based capital ratio | 14.7127% | 4,691 |
| Memoranda: | ||
| Average total assets | $171,204,000 | 3,467 |
| Average earning assets | $156,529,400 | 3,461 |
| Average equity | $15,096,200 | 3,888 |
| Average total loans | $106,187,400 | 3,469 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2230% | 2,119 |
| Cost of funding earning assets | 0.6654% | 5,961 |
| Net interest margin | 4.5577% | 1,024 |
| Noninterest income to average assets | 0.7548% | 2,287 |
| Noninterest expense to average assets | 3.2179% | 2,776 |
| Loan and lease loss provision to assets | 1.3235% | 558 |
| Net operating income to assets | 0.3872% | 5,051 |
| Return on assets (ROA) | 0.5100% | 4,693 |
| Pretax return on assets | 0.5100% | 5,134 |
| Return on Equity (ROE) | 5.8924% | 4,072 |
| Retained earnings to average equity (ytd only) | 1.1026% | 5,578 |
| Net charge-offs to loans | 1.4351% | 1,025 |
| Credit loss provision to net charge-offs | 147.7729% | 2,124 |
| Earnings coverage of net charge-offs (x) | 1.9100% | 4,228 |
| Efficiency ratio | 65.2912% | 4,848 |
| Assets per employee ($millions) | 3.9225% | 4,024 |
| Cash dividends to net income (ytd only)* | 81.2886% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3240% | 1,651 |
| Loan loss allowance to noncurrent loans | 47.9379% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 3.0332% | 2,116 |
| Noncurrent loans to loans | 4.8480% | 1,315 |
| Net loans and leases to total assets | 59.4426% | 4,247 |
| Net loans and leases to deposits | 68.2173% | 4,565 |
| Net loans and leases to core deposits | 75.6271% | 4,240 |
| Total domestic deposits to total assets | 87.1371% | 2,558 |
| Equity capital to assets | 9.5214% | 5,050 |
| Core capital (leverage) ratio | 9.1952% | 4,633 |
| Tier 1 risk-based capital ratio | 13.3734% | 4,825 |
| Total risk-based capital ratio | 14.6358% | 4,788 |
| Memoranda: | ||
| Average total assets | $170,456,500 | 3,510 |
| Average earning assets | $156,099,250 | 3,501 |
| Average equity | $14,753,000 | 3,968 |
| Average total loans | $106,375,250 | 3,497 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 1,814 |
| Cost of funding earning assets | 0.7107% | 5,898 |
| Net interest margin | 4.6109% | 891 |
| Noninterest income to average assets | 0.7741% | 2,136 |
| Noninterest expense to average assets | 3.3262% | 2,475 |
| Loan and lease loss provision to assets | 0.9190% | 975 |
| Net operating income to assets | 0.7411% | 3,331 |
| Return on assets (ROA) | 0.7411% | 3,456 |
| Pretax return on assets | 0.7411% | 4,244 |
| Return on Equity (ROE) | 8.8635% | 2,569 |
| Retained earnings to average equity (ytd only) | 1.3951% | 5,293 |
| Net charge-offs to loans | 1.3593% | 1,120 |
| Credit loss provision to net charge-offs | 107.4380% | 2,865 |
| Earnings coverage of net charge-offs (x) | 1.9408% | 3,892 |
| Efficiency ratio | 66.7060% | 4,744 |
| Assets per employee ($millions) | 3.8563% | 4,078 |
| Cash dividends to net income (ytd only)* | 84.2607% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 2,868 |
| Loan loss allowance to noncurrent loans | 141.2917% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 5,030 |
| Noncurrent loans to loans | 1.2997% | 4,473 |
| Net loans and leases to total assets | 61.3390% | 4,020 |
| Net loans and leases to deposits | 70.0921% | 4,424 |
| Net loans and leases to core deposits | 80.1727% | 3,760 |
| Total domestic deposits to total assets | 87.5120% | 2,463 |
| Equity capital to assets | 8.4238% | 6,274 |
| Core capital (leverage) ratio | 8.0071% | 6,291 |
| Tier 1 risk-based capital ratio | 11.3728% | 6,271 |
| Total risk-based capital ratio | 12.6317% | 6,249 |
| Memoranda: | ||
| Average total assets | $169,745,330 | 3,542 |
| Average earning assets | $155,066,330 | 3,543 |
| Average equity | $14,193,000 | 4,087 |
| Average total loans | $106,822,670 | 3,529 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 1,906 |
| Cost of funding earning assets | 0.7516% | 5,846 |
| Net interest margin | 4.5352% | 994 |
| Noninterest income to average assets | 0.6361% | 2,925 |
| Noninterest expense to average assets | 3.3172% | 2,505 |
| Loan and lease loss provision to assets | 0.3204% | 2,626 |
| Net operating income to assets | 1.1639% | 1,614 |
| Return on assets (ROA) | 1.1780% | 1,627 |
| Pretax return on assets | 1.1780% | 2,457 |
| Return on Equity (ROE) | 14.1413% | 962 |
| Retained earnings to average equity (ytd only) | 10.4645% | 1,002 |
| Net charge-offs to loans | 0.5186% | 2,187 |
| Credit loss provision to net charge-offs | 97.8417% | 2,790 |
| Earnings coverage of net charge-offs (x) | 4.5324% | 2,455 |
| Efficiency ratio | 69.0873% | 4,454 |
| Assets per employee ($millions) | 3.8268% | 4,241 |
| Cash dividends to net income (ytd only)* | 26.0000% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7870% | 3,050 |
| Loan loss allowance to noncurrent loans | 103.2787% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.3130% | 4,340 |
| Noncurrent loans to loans | 1.7303% | 3,910 |
| Net loans and leases to total assets | 60.3185% | 4,206 |
| Net loans and leases to deposits | 70.6396% | 4,250 |
| Net loans and leases to core deposits | 84.3083% | 3,130 |
| Total domestic deposits to total assets | 85.3890% | 3,841 |
| Equity capital to assets | 8.2802% | 6,186 |
| Core capital (leverage) ratio | 8.1070% | 6,119 |
| Tier 1 risk-based capital ratio | 11.6632% | 5,967 |
| Total risk-based capital ratio | 12.9197% | 5,954 |
| Memoranda: | ||
| Average total assets | $169,780,500 | 3,559 |
| Average earning assets | $155,934,500 | 3,545 |
| Average equity | $14,143,000 | 4,085 |
| Average total loans | $107,222,000 | 3,556 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6466% | 1,756 |
| Cost of funding earning assets | 0.9501% | 5,937 |
| Net interest margin | 4.6965% | 821 |
| Noninterest income to average assets | 0.7817% | 2,368 |
| Noninterest expense to average assets | 3.2761% | 2,812 |
| Loan and lease loss provision to assets | 0.4075% | 3,664 |
| Net operating income to assets | 1.3404% | 1,079 |
| Return on assets (ROA) | 1.4695% | 880 |
| Pretax return on assets | 1.4695% | 1,455 |
| Return on Equity (ROE) | 16.9318% | 484 |
| Retained earnings to average equity (ytd only) | 8.2454% | 904 |
| Net charge-offs to loans | 0.3599% | 4,218 |
| Credit loss provision to net charge-offs | 170.1031% | 1,993 |
| Earnings coverage of net charge-offs (x) | 7.2964% | 2,160 |
| Efficiency ratio | 65.2083% | 5,124 |
| Assets per employee ($millions) | 3.7190% | 4,419 |
| Cash dividends to net income (ytd only)* | 51.3025% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 3,066 |
| Loan loss allowance to noncurrent loans | 78.6783% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.5237% | 4,029 |
| Noncurrent loans to loans | 2.2138% | 3,308 |
| Net loans and leases to total assets | 63.8099% | 3,913 |
| Net loans and leases to deposits | 75.1067% | 4,000 |
| Net loans and leases to core deposits | 88.7424% | 2,939 |
| Total domestic deposits to total assets | 84.9589% | 3,869 |
| Equity capital to assets | 8.3816% | 6,029 |
| Core capital (leverage) ratio | 8.4279% | 5,486 |
| Tier 1 risk-based capital ratio | 11.3361% | 6,052 |
| Total risk-based capital ratio | 12.5918% | 6,045 |
| Memoranda: | ||
| Average total assets | $161,963,200 | 3,660 |
| Average earning assets | $146,300,400 | 3,699 |
| Average equity | $14,056,400 | 4,129 |
| Average total loans | $107,812,400 | 3,597 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6813% | 1,774 |
| Cost of funding earning assets | 1.0067% | 5,907 |
| Net interest margin | 4.6746% | 899 |
| Noninterest income to average assets | 0.7836% | 2,312 |
| Noninterest expense to average assets | 3.2798% | 2,635 |
| Loan and lease loss provision to assets | 0.3711% | 3,670 |
| Net operating income to assets | 1.3382% | 1,261 |
| Return on assets (ROA) | 1.5141% | 977 |
| Pretax return on assets | 1.5141% | 1,575 |
| Return on Equity (ROE) | 17.2923% | 553 |
| Retained earnings to average equity (ytd only) | 14.3913% | 249 |
| Net charge-offs to loans | 0.3829% | 3,763 |
| Credit loss provision to net charge-offs | 144.6602% | 2,716 |
| Earnings coverage of net charge-offs (x) | 6.6634% | 2,478 |
| Efficiency ratio | 65.7404% | 4,915 |
| Assets per employee ($millions) | 3.5108% | 4,952 |
| Cash dividends to net income (ytd only)* | 16.7763% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,410 |
| Loan loss allowance to noncurrent loans | 94.8759% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.2647% | 4,617 |
| Noncurrent loans to loans | 1.7164% | 4,068 |
| Net loans and leases to total assets | 67.2581% | 3,395 |
| Net loans and leases to deposits | 78.8684% | 3,657 |
| Net loans and leases to core deposits | 94.6948% | 2,421 |
| Total domestic deposits to total assets | 85.2789% | 3,478 |
| Equity capital to assets | 9.3832% | 5,008 |
| Core capital (leverage) ratio | 8.7988% | 5,011 |
| Tier 1 risk-based capital ratio | 11.6452% | 5,793 |
| Total risk-based capital ratio | 12.8992% | 5,768 |
| Memoranda: | ||
| Average total assets | $160,615,250 | 3,745 |
| Average earning assets | $144,494,250 | 3,775 |
| Average equity | $14,063,750 | 4,185 |
| Average total loans | $107,595,000 | 3,647 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6514% | 1,935 |
| Cost of funding earning assets | 1.0703% | 5,822 |
| Net interest margin | 4.5811% | 1,036 |
| Noninterest income to average assets | 0.8124% | 2,054 |
| Noninterest expense to average assets | 3.2794% | 2,628 |
| Loan and lease loss provision to assets | 0.3802% | 3,431 |
| Net operating income to assets | 1.2558% | 1,412 |
| Return on assets (ROA) | 1.3982% | 1,159 |
| Pretax return on assets | 1.3982% | 1,843 |
| Return on Equity (ROE) | 16.3501% | 655 |
| Retained earnings to average equity (ytd only) | 12.3241% | 445 |
| Net charge-offs to loans | 0.4839% | 3,088 |
| Credit loss provision to net charge-offs | 118.0769% | 3,441 |
| Earnings coverage of net charge-offs (x) | 5.0808% | 2,752 |
| Efficiency ratio | 66.7171% | 4,837 |
| Assets per employee ($millions) | 3.3771% | 5,246 |
| Cash dividends to net income (ytd only)* | 24.6236% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 3,702 |
| Loan loss allowance to noncurrent loans | 88.2135% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.3248% | 4,502 |
| Noncurrent loans to loans | 1.7478% | 4,064 |
| Net loans and leases to total assets | 68.6088% | 3,219 |
| Net loans and leases to deposits | 80.1271% | 3,575 |
| Net loans and leases to core deposits | 95.3480% | 2,527 |
| Total domestic deposits to total assets | 85.6250% | 3,303 |
| Equity capital to assets | 9.1962% | 5,150 |
| Core capital (leverage) ratio | 8.3405% | 5,689 |
| Tier 1 risk-based capital ratio | 10.9130% | 6,327 |
| Total risk-based capital ratio | 12.1657% | 6,313 |
| Memoranda: | ||
| Average total assets | $161,492,330 | 3,753 |
| Average earning assets | $144,636,670 | 3,803 |
| Average equity | $13,810,330 | 4,242 |
| Average total loans | $107,454,670 | 3,686 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5889% | 2,199 |
| Cost of funding earning assets | 1.1615% | 5,597 |
| Net interest margin | 4.4274% | 1,305 |
| Noninterest income to average assets | 0.6466% | 2,958 |
| Noninterest expense to average assets | 3.2060% | 2,836 |
| Loan and lease loss provision to assets | 0.3695% | 3,151 |
| Net operating income to assets | 1.0087% | 2,146 |
| Return on assets (ROA) | 1.2931% | 1,390 |
| Pretax return on assets | 1.2931% | 2,067 |
| Return on Equity (ROE) | 15.6788% | 769 |
| Retained earnings to average equity (ytd only) | 7.4857% | 1,932 |
| Net charge-offs to loans | 0.7772% | 1,962 |
| Credit loss provision to net charge-offs | 73.0769% | 4,031 |
| Earnings coverage of net charge-offs (x) | 2.7260% | 3,182 |
| Efficiency ratio | 69.9364% | 4,310 |
| Assets per employee ($millions) | 3.4712% | 5,096 |
| Cash dividends to net income (ytd only)* | 52.2556% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 4,056 |
| Loan loss allowance to noncurrent loans | 138.7068% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 5,451 |
| Noncurrent loans to loans | 1.0617% | 5,218 |
| Net loans and leases to total assets | 64.2165% | 4,289 |
| Net loans and leases to deposits | 75.7969% | 4,451 |
| Net loans and leases to core deposits | 91.9703% | 3,108 |
| Total domestic deposits to total assets | 84.7218% | 3,796 |
| Equity capital to assets | 8.3409% | 6,244 |
| Core capital (leverage) ratio | 7.6000% | 6,735 |
| Tier 1 risk-based capital ratio | 10.4386% | 6,690 |
| Total risk-based capital ratio | 11.6894% | 6,693 |
| Memoranda: | ||
| Average total assets | $164,565,500 | 3,752 |
| Average earning assets | $146,361,500 | 3,828 |
| Average equity | $13,572,500 | 4,335 |
| Average total loans | $107,057,000 | 3,753 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0847% | 1,562 |
| Cost of funding earning assets | 1.3736% | 6,044 |
| Net interest margin | 4.7111% | 817 |
| Noninterest income to average assets | 0.7975% | 2,414 |
| Noninterest expense to average assets | 3.5110% | 2,347 |
| Loan and lease loss provision to assets | 0.2946% | 5,070 |
| Net operating income to assets | 1.2152% | 1,207 |
| Return on assets (ROA) | 1.3261% | 1,027 |
| Pretax return on assets | 1.3261% | 1,624 |
| Return on Equity (ROE) | 15.3425% | 621 |
| Retained earnings to average equity (ytd only) | 3.0730% | 3,007 |
| Net charge-offs to loans | 0.0665% | 6,446 |
| Credit loss provision to net charge-offs | 643.6620% | 456 |
| Earnings coverage of net charge-offs (x) | 32.9859% | 704 |
| Efficiency ratio | 69.9281% | 4,645 |
| Assets per employee ($millions) | 3.7723% | 4,347 |
| Cash dividends to net income (ytd only)* | 79.9708% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,704 |
| Loan loss allowance to noncurrent loans | 258.9457% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 6,254 |
| Noncurrent loans to loans | 0.5808% | 6,080 |
| Net loans and leases to total assets | 63.9578% | 4,606 |
| Net loans and leases to deposits | 79.4806% | 4,091 |
| Net loans and leases to core deposits | 112.9652% | 2,603 |
| Total domestic deposits to total assets | 80.4697% | 5,529 |
| Equity capital to assets | 8.1557% | 6,396 |
| Core capital (leverage) ratio | 7.6688% | 6,589 |
| Tier 1 risk-based capital ratio | 10.0075% | 6,865 |
| Total risk-based capital ratio | 11.2484% | 6,843 |
| Memoranda: | ||
| Average total assets | $155,112,600 | 3,880 |
| Average earning assets | $139,054,600 | 3,923 |
| Average equity | $13,407,200 | 4,402 |
| Average total loans | $106,796,800 | 3,759 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1444% | 1,509 |
| Cost of funding earning assets | 1.3949% | 6,250 |
| Net interest margin | 4.7495% | 759 |
| Noninterest income to average assets | 0.8058% | 2,397 |
| Noninterest expense to average assets | 3.6160% | 1,999 |
| Loan and lease loss provision to assets | 0.2817% | 4,724 |
| Net operating income to assets | 1.1829% | 1,506 |
| Return on assets (ROA) | 1.1986% | 1,527 |
| Pretax return on assets | 1.1986% | 2,265 |
| Return on Equity (ROE) | 13.6572% | 989 |
| Retained earnings to average equity (ytd only) | 2.7414% | 3,801 |
| Net charge-offs to loans | 0.0601% | 6,102 |
| Credit loss provision to net charge-offs | 670.8333% | 558 |
| Earnings coverage of net charge-offs (x) | 34.8741% | 832 |
| Efficiency ratio | 71.1727% | 4,393 |
| Assets per employee ($millions) | 3.2448% | 5,533 |
| Cash dividends to net income (ytd only)* | 79.9269% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 3,945 |
| Loan loss allowance to noncurrent loans | 268.2143% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 6,315 |
| Noncurrent loans to loans | 0.5219% | 6,264 |
| Net loans and leases to total assets | 66.5394% | 4,294 |
| Net loans and leases to deposits | 81.6162% | 4,093 |
| Net loans and leases to core deposits | 120.6576% | 2,191 |
| Total domestic deposits to total assets | 81.5272% | 4,865 |
| Equity capital to assets | 8.5449% | 6,193 |
| Core capital (leverage) ratio | 7.7526% | 6,663 |
| Tier 1 risk-based capital ratio | 10.0946% | 6,888 |
| Total risk-based capital ratio | 11.3463% | 6,825 |
| Memoranda: | ||
| Average total assets | $152,395,000 | 3,939 |
| Average earning assets | $137,161,250 | 3,984 |
| Average equity | $13,374,750 | 4,438 |
| Average total loans | $106,551,000 | 3,805 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1485% | 1,621 |
| Cost of funding earning assets | 1.3698% | 6,585 |
| Net interest margin | 4.7788% | 682 |
| Noninterest income to average assets | 0.8136% | 2,345 |
| Noninterest expense to average assets | 3.6007% | 2,072 |
| Loan and lease loss provision to assets | 0.2490% | 4,581 |
| Net operating income to assets | 1.2890% | 1,254 |
| Return on assets (ROA) | 1.3156% | 1,266 |
| Pretax return on assets | 1.3156% | 1,973 |
| Return on Equity (ROE) | 14.8523% | 857 |
| Retained earnings to average equity (ytd only) | 10.0418% | 724 |
| Net charge-offs to loans | 0.0376% | 5,934 |
| Credit loss provision to net charge-offs | 935.0000% | 516 |
| Earnings coverage of net charge-offs (x) | 57.7500% | 616 |
| Efficiency ratio | 70.0700% | 4,765 |
| Assets per employee ($millions) | 3.0188% | 6,082 |
| Cash dividends to net income (ytd only)* | 32.3887% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,136 |
| Loan loss allowance to noncurrent loans | 235.2381% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 6,438 |
| Noncurrent loans to loans | 0.5628% | 6,141 |
| Net loans and leases to total assets | 71.7420% | 3,291 |
| Net loans and leases to deposits | 88.5836% | 3,073 |
| Net loans and leases to core deposits | 131.7705% | 1,446 |
| Total domestic deposits to total assets | 80.9879% | 5,085 |
| Equity capital to assets | 8.8965% | 5,459 |
| Core capital (leverage) ratio | 8.2740% | 5,851 |
| Tier 1 risk-based capital ratio | 10.2300% | 6,677 |
| Total risk-based capital ratio | 11.4808% | 6,605 |
| Memoranda: | ||
| Average total assets | $150,194,670 | 3,987 |
| Average earning assets | $135,934,670 | 4,028 |
| Average equity | $13,304,330 | 4,467 |
| Average total loans | $106,302,330 | 3,847 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1141% | 1,895 |
| Cost of funding earning assets | 1.3567% | 6,855 |
| Net interest margin | 4.7574% | 669 |
| Noninterest income to average assets | 0.6985% | 2,898 |
| Noninterest expense to average assets | 3.4845% | 2,144 |
| Loan and lease loss provision to assets | 0.2023% | 4,421 |
| Net operating income to assets | 1.3242% | 1,327 |
| Return on assets (ROA) | 1.3242% | 1,431 |
| Pretax return on assets | 1.3242% | 2,200 |
| Return on Equity (ROE) | 14.9832% | 980 |
| Retained earnings to average equity (ytd only) | 10.5584% | 1,062 |
| Net charge-offs to loans | 0.0116% | 5,452 |
| Credit loss provision to net charge-offs | 2,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 188.6667% | 226 |
| Efficiency ratio | 69.5371% | 4,672 |
| Assets per employee ($millions) | 2.9419% | 6,312 |
| Cash dividends to net income (ytd only)* | 29.5316% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 3,846 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 69.7621% | 3,730 |
| Net loans and leases to deposits | 90.7786% | 2,815 |
| Net loans and leases to core deposits | 121.3452% | 2,303 |
| Total domestic deposits to total assets | 76.8486% | 6,318 |
| Equity capital to assets | 9.0899% | 5,240 |
| Core capital (leverage) ratio | 8.0978% | 6,295 |
| Tier 1 risk-based capital ratio | 9.9018% | 7,039 |
| Total risk-based capital ratio | 11.1098% | 6,975 |
| Memoranda: | ||
| Average total assets | $148,312,000 | 4,039 |
| Average earning assets | $134,442,500 | 4,064 |
| Average equity | $13,108,000 | 4,559 |
| Average total loans | $103,485,500 | 3,949 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6336% | 2,320 |
| Cost of funding earning assets | 1.7721% | 7,082 |
| Net interest margin | 4.8615% | 686 |
| Noninterest income to average assets | 0.5758% | 4,040 |
| Noninterest expense to average assets | 3.5899% | 2,177 |
| Loan and lease loss provision to assets | 0.1183% | 5,853 |
| Net operating income to assets | 1.2607% | 1,600 |
| Return on assets (ROA) | 1.3116% | 1,410 |
| Pretax return on assets | 1.3116% | 2,272 |
| Return on Equity (ROE) | 16.3097% | 726 |
| Retained earnings to average equity (ytd only) | 13.0103% | 161 |
| Net charge-offs to loans | 0.0385% | 6,252 |
| Credit loss provision to net charge-offs | 471.4286% | 935 |
| Earnings coverage of net charge-offs (x) | 54.9429% | 718 |
| Efficiency ratio | 72.2471% | 3,886 |
| Assets per employee ($millions) | 3.1814% | 5,535 |
| Cash dividends to net income (ytd only)* | 20.2296% | 4,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 4,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 67.9931% | 4,468 |
| Net loans and leases to deposits | 94.7945% | 2,647 |
| Net loans and leases to core deposits | 117.6196% | 2,935 |
| Total domestic deposits to total assets | 71.7268% | 7,048 |
| Equity capital to assets | 8.5904% | 5,951 |
| Core capital (leverage) ratio | 8.0931% | 6,335 |
| Tier 1 risk-based capital ratio | 9.6304% | 7,173 |
| Total risk-based capital ratio | 10.7802% | 7,194 |
| Memoranda: | ||
| Average total assets | $139,446,200 | 4,088 |
| Average earning assets | $126,009,400 | 4,128 |
| Average equity | $11,214,200 | 5,063 |
| Average total loans | $90,962,600 | 4,198 |