Home > Bank of Luxemburg > Performance and Condition Ratios
Bank of Luxemburg, 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 | 5.0068% | 2,060 |
| Cost of funding earning assets | 1.6860% | 1,479 |
| Net interest margin | 3.3208% | 2,576 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.6485% | 1,876 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.6602% | 3,292 |
| Return on assets (ROA) | 0.6587% | 3,274 |
| Pretax return on assets | 1.0801% | 2,469 |
| Return on Equity (ROE) | 10.0400% | 2,487 |
| Retained earnings to average equity (ytd only) | 8.1278% | 1,499 |
| Net charge-offs to loans | -0.0106% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.0559% | 1,867 |
| Assets per employee ($millions) | 6.2573% | 2,583 |
| Cash dividends to net income (ytd only)* | 19.0593% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,430 |
| Loan loss allowance to noncurrent loans | 3,814.8438% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 3,610 |
| Noncurrent loans to loans | 0.0256% | 3,563 |
| Net loans and leases to total assets | 75.3500% | 1,197 |
| Net loans and leases to deposits | 87.0450% | 1,532 |
| Net loans and leases to core deposits | 94.5367% | 1,737 |
| Total domestic deposits to total assets | 86.5600% | 1,829 |
| Equity capital to assets | 6.6920% | 4,052 |
| Core capital (leverage) ratio | 8.8452% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5100% | 2,717 |
| Memoranda: | ||
| Average total assets | $619,744,800 | 1,438 |
| Average earning assets | $578,928,000 | 1,422 |
| Average equity | $40,650,800 | 1,867 |
| Average total loans | $462,009,800 | 1,319 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 2,071 |
| Cost of funding earning assets | 1.5867% | 1,394 |
| Net interest margin | 3.3071% | 2,668 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.7014% | 1,654 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8123% | 2,988 |
| Return on assets (ROA) | 0.8101% | 2,985 |
| Pretax return on assets | 0.9864% | 2,897 |
| Return on Equity (ROE) | 12.4200% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.4697% | 1,271 |
| Net charge-offs to loans | -0.0156% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.0969% | 1,556 |
| Assets per employee ($millions) | 6.0212% | 2,740 |
| Cash dividends to net income (ytd only)* | 15.6916% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 3,294 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 75.3900% | 1,190 |
| Net loans and leases to deposits | 84.7577% | 1,668 |
| Net loans and leases to core deposits | 92.9024% | 1,741 |
| Total domestic deposits to total assets | 88.9400% | 1,277 |
| Equity capital to assets | 6.1387% | 3,939 |
| Core capital (leverage) ratio | 9.0197% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8034% | 2,665 |
| Memoranda: | ||
| Average total assets | $610,427,750 | 1,455 |
| Average earning assets | $569,620,250 | 1,441 |
| Average equity | $39,821,750 | 1,879 |
| Average total loans | $452,528,250 | 1,330 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 68,096.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 74,360.0000% | 18 |
| Cost of funding earning assets | 120.0000% | 15 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.7510% | 3,231 |
| Pretax return on assets | 0.9871% | 2,952 |
| Return on Equity (ROE) | 11.2800% | 2,352 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,812 |
| Efficiency ratio | 3.9972% | 4,613 |
| Assets per employee ($millions) | 0.1967% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.5933% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 5.0000% | 30 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0027% | 4,532 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 7,349.0000% | 32 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,222,000 | 4,644 |
| Average earning assets | $2,154 | 4,641 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6186% | 2,040 |
| Cost of funding earning assets | 1.1941% | 1,469 |
| Net interest margin | 3.4245% | 2,569 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.8560% | 1,323 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7175% | 3,427 |
| Return on assets (ROA) | 0.7479% | 3,302 |
| Pretax return on assets | 0.9844% | 3,042 |
| Return on Equity (ROE) | 11.1000% | 2,466 |
| Retained earnings to average equity (ytd only) | 11.1018% | 1,446 |
| Net charge-offs to loans | -0.1404% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9422% | 1,348 |
| Assets per employee ($millions) | 5.9185% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 2,970 |
| Loan loss allowance to noncurrent loans | 2,789.2045% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 3,489 |
| Noncurrent loans to loans | 0.0400% | 3,455 |
| Net loans and leases to total assets | 71.9800% | 1,430 |
| Net loans and leases to deposits | 79.6709% | 1,841 |
| Net loans and leases to core deposits | 87.4121% | 1,777 |
| Total domestic deposits to total assets | 90.3500% | 1,028 |
| Equity capital to assets | 6.8360% | 3,894 |
| Core capital (leverage) ratio | 9.3413% | 3,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1604% | 2,676 |
| Memoranda: | ||
| Average total assets | $592,026,500 | 1,514 |
| Average earning assets | $552,378,000 | 1,510 |
| Average equity | $39,885,500 | 1,907 |
| Average total loans | $430,219,000 | 1,386 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0598% | 1,564 |
| Cost of funding earning assets | 0.4508% | 1,722 |
| Net interest margin | 3.6090% | 1,620 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.7401% | 1,464 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.0003% | 2,565 |
| Return on assets (ROA) | 1.0057% | 2,492 |
| Pretax return on assets | 1.3315% | 1,992 |
| Return on Equity (ROE) | 13.6600% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.8235% | 706 |
| Net charge-offs to loans | -0.0005% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.8297% | 2,258 |
| Assets per employee ($millions) | 5.5805% | 3,143 |
| Cash dividends to net income (ytd only)* | 13.4347% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 2,795 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.7200% | 1,447 |
| Net loans and leases to deposits | 81.2425% | 1,677 |
| Net loans and leases to core deposits | 84.4925% | 1,847 |
| Total domestic deposits to total assets | 88.2800% | 1,978 |
| Equity capital to assets | 6.6342% | 3,847 |
| Core capital (leverage) ratio | 9.4520% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2389% | 2,665 |
| Memoranda: | ||
| Average total assets | $555,853,000 | 1,594 |
| Average earning assets | $514,661,200 | 1,594 |
| Average equity | $40,927,000 | 1,888 |
| Average total loans | $378,058,200 | 1,464 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 1,477 |
| Cost of funding earning assets | 0.3594% | 1,625 |
| Net interest margin | 3.5433% | 1,538 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.7436% | 1,369 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9750% | 2,563 |
| Return on assets (ROA) | 0.9823% | 2,516 |
| Pretax return on assets | 1.2976% | 2,055 |
| Return on Equity (ROE) | 13.0000% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.2005% | 1,001 |
| Net charge-offs to loans | -0.0004% | 3,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.4170% | 2,224 |
| Assets per employee ($millions) | 5.5751% | 3,150 |
| Cash dividends to net income (ytd only)* | 13.8519% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 2,864 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 70.5800% | 1,432 |
| Net loans and leases to deposits | 78.5112% | 1,672 |
| Net loans and leases to core deposits | 82.0883% | 1,757 |
| Total domestic deposits to total assets | 89.9000% | 1,708 |
| Equity capital to assets | 6.2531% | 3,860 |
| Core capital (leverage) ratio | 9.3031% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2732% | 2,723 |
| Memoranda: | ||
| Average total assets | $549,723,500 | 1,617 |
| Average earning assets | $508,549,500 | 1,625 |
| Average equity | $41,533,000 | 1,898 |
| Average total loans | $367,328,500 | 1,490 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 1,414 |
| Cost of funding earning assets | 0.3056% | 1,676 |
| Net interest margin | 3.4472% | 1,465 |
| Noninterest income to average assets | 0.8697% | 905 |
| Noninterest expense to average assets | 2.7432% | 1,286 |
| Loan and lease loss provision to assets | 0.0462% | 1,741 |
| Net operating income to assets | 0.9603% | 2,312 |
| Return on assets (ROA) | 0.9717% | 2,231 |
| Pretax return on assets | 1.2819% | 1,807 |
| Return on Equity (ROE) | 12.1222% | 1,638 |
| Retained earnings to average equity (ytd only) | 10.4128% | 922 |
| Net charge-offs to loans | 0.0011% | 2,106 |
| Credit loss provision to net charge-offs | 6,250.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 1,778.5000% | 60 |
| Efficiency ratio | 66.7820% | 2,404 |
| Assets per employee ($millions) | 5.3779% | 3,364 |
| Cash dividends to net income (ytd only)* | 14.1011% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 67.1206% | 1,564 |
| Net loans and leases to deposits | 75.5217% | 1,725 |
| Net loans and leases to core deposits | 78.8441% | 1,788 |
| Total domestic deposits to total assets | 88.8759% | 2,237 |
| Equity capital to assets | 7.2179% | 3,652 |
| Core capital (leverage) ratio | 9.4703% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7887% | 2,574 |
| Memoranda: | ||
| Average total assets | $541,551,333 | 1,650 |
| Average earning assets | $500,689,333 | 1,658 |
| Average equity | $43,408,000 | 1,878 |
| Average total loans | $353,116,000 | 1,520 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6352% | 1,409 |
| Cost of funding earning assets | 0.2856% | 1,771 |
| Net interest margin | 3.3495% | 1,444 |
| Noninterest income to average assets | 0.8555% | 917 |
| Noninterest expense to average assets | 2.7450% | 1,266 |
| Loan and lease loss provision to assets | 0.0374% | 1,686 |
| Net operating income to assets | 0.8908% | 2,308 |
| Return on assets (ROA) | 0.9197% | 2,198 |
| Pretax return on assets | 1.2111% | 1,765 |
| Return on Equity (ROE) | 10.9129% | 1,646 |
| Retained earnings to average equity (ytd only) | 10.9129% | 797 |
| Net charge-offs to loans | 0.0035% | 1,648 |
| Credit loss provision to net charge-offs | 1,666.6667% | 240 |
| Earnings coverage of net charge-offs (x) | 540.6667% | 190 |
| Efficiency ratio | 68.5045% | 2,444 |
| Assets per employee ($millions) | 5.5776% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.3920% | 1,572 |
| Net loans and leases to deposits | 72.7188% | 1,722 |
| Net loans and leases to core deposits | 75.4233% | 1,815 |
| Total domestic deposits to total assets | 88.5493% | 2,277 |
| Equity capital to assets | 7.9622% | 3,600 |
| Core capital (leverage) ratio | 9.2717% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2186% | 2,519 |
| Memoranda: | ||
| Average total assets | $535,364,500 | 1,673 |
| Average earning assets | $495,713,000 | 1,679 |
| Average equity | $45,121,000 | 1,885 |
| Average total loans | $341,490,500 | 1,547 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 1,234 |
| Cost of funding earning assets | 0.3732% | 1,732 |
| Net interest margin | 3.6833% | 1,255 |
| Noninterest income to average assets | 1.2445% | 684 |
| Noninterest expense to average assets | 2.6427% | 1,770 |
| Loan and lease loss provision to assets | 0.0493% | 2,072 |
| Net operating income to assets | 1.4599% | 1,105 |
| Return on assets (ROA) | 1.4652% | 1,154 |
| Pretax return on assets | 1.9601% | 655 |
| Return on Equity (ROE) | 16.4918% | 679 |
| Retained earnings to average equity (ytd only) | 14.9129% | 230 |
| Net charge-offs to loans | 0.0077% | 2,289 |
| Credit loss provision to net charge-offs | 1,000.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 406.6000% | 321 |
| Efficiency ratio | 56.8896% | 3,593 |
| Assets per employee ($millions) | 5.5758% | 3,188 |
| Cash dividends to net income (ytd only)* | 9.5738% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3323% | 2,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 61.5110% | 1,998 |
| Net loans and leases to deposits | 70.2277% | 2,109 |
| Net loans and leases to core deposits | 73.1385% | 2,150 |
| Total domestic deposits to total assets | 87.5879% | 2,242 |
| Equity capital to assets | 8.8941% | 3,724 |
| Core capital (leverage) ratio | 9.1683% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3611% | 2,506 |
| Memoranda: | ||
| Average total assets | $507,586,600 | 1,681 |
| Average earning assets | $468,651,400 | 1,691 |
| Average equity | $45,095,200 | 1,918 |
| Average total loans | $323,265,800 | 1,614 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1856% | 1,132 |
| Cost of funding earning assets | 0.3942% | 1,740 |
| Net interest margin | 3.7914% | 1,134 |
| Noninterest income to average assets | 1.3334% | 666 |
| Noninterest expense to average assets | 2.6151% | 1,797 |
| Loan and lease loss provision to assets | 0.0665% | 1,668 |
| Net operating income to assets | 1.6045% | 1,020 |
| Return on assets (ROA) | 1.6117% | 1,048 |
| Pretax return on assets | 2.1619% | 593 |
| Return on Equity (ROE) | 18.1463% | 614 |
| Retained earnings to average equity (ytd only) | 16.0864% | 294 |
| Net charge-offs to loans | 0.0383% | 1,322 |
| Credit loss provision to net charge-offs | 271.7391% | 1,050 |
| Earnings coverage of net charge-offs (x) | 90.5870% | 921 |
| Efficiency ratio | 54.0928% | 3,802 |
| Assets per employee ($millions) | 5.5459% | 3,145 |
| Cash dividends to net income (ytd only)* | 11.3516% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 2,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.0813% | 2,125 |
| Net loans and leases to deposits | 69.7976% | 2,263 |
| Net loans and leases to core deposits | 72.7836% | 2,342 |
| Total domestic deposits to total assets | 87.5120% | 2,103 |
| Equity capital to assets | 8.9608% | 3,866 |
| Core capital (leverage) ratio | 9.2044% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7006% | 2,469 |
| Memoranda: | ||
| Average total assets | $500,664,000 | 1,709 |
| Average earning assets | $462,332,250 | 1,724 |
| Average equity | $44,467,000 | 1,965 |
| Average total loans | $320,657,250 | 1,650 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 1,394 |
| Cost of funding earning assets | 0.4201% | 1,737 |
| Net interest margin | 3.6570% | 1,451 |
| Noninterest income to average assets | 1.3950% | 609 |
| Noninterest expense to average assets | 2.6417% | 1,750 |
| Loan and lease loss provision to assets | 0.0911% | 1,373 |
| Net operating income to assets | 1.5226% | 1,236 |
| Return on assets (ROA) | 1.5335% | 1,269 |
| Pretax return on assets | 2.0540% | 748 |
| Return on Equity (ROE) | 17.3201% | 738 |
| Retained earnings to average equity (ytd only) | 15.3529% | 389 |
| Net charge-offs to loans | 0.0625% | 990 |
| Credit loss provision to net charge-offs | 225.0000% | 998 |
| Earnings coverage of net charge-offs (x) | 52.6200% | 1,036 |
| Efficiency ratio | 55.3462% | 3,619 |
| Assets per employee ($millions) | 5.2440% | 3,414 |
| Cash dividends to net income (ytd only)* | 11.3576% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 2,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0896% | 3,605 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 63.8604% | 1,964 |
| Net loans and leases to deposits | 73.1661% | 2,083 |
| Net loans and leases to core deposits | 76.3780% | 2,200 |
| Total domestic deposits to total assets | 87.2814% | 2,179 |
| Equity capital to assets | 8.9002% | 3,889 |
| Core capital (leverage) ratio | 9.1746% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2690% | 2,624 |
| Memoranda: | ||
| Average total assets | $493,779,667 | 1,729 |
| Average earning assets | $456,108,333 | 1,737 |
| Average equity | $43,718,000 | 1,969 |
| Average total loans | $319,941,000 | 1,659 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 1,730 |
| Cost of funding earning assets | 0.4544% | 1,688 |
| Net interest margin | 3.4823% | 1,872 |
| Noninterest income to average assets | 1.4574% | 633 |
| Noninterest expense to average assets | 2.6788% | 1,672 |
| Loan and lease loss provision to assets | 0.1234% | 1,115 |
| Net operating income to assets | 1.4024% | 1,566 |
| Return on assets (ROA) | 1.4245% | 1,584 |
| Pretax return on assets | 1.9040% | 1,109 |
| Return on Equity (ROE) | 16.1338% | 990 |
| Retained earnings to average equity (ytd only) | 16.1338% | 502 |
| Net charge-offs to loans | 0.0736% | 830 |
| Credit loss provision to net charge-offs | 258.6207% | 806 |
| Earnings coverage of net charge-offs (x) | 41.9138% | 970 |
| Efficiency ratio | 57.2609% | 3,398 |
| Assets per employee ($millions) | 5.1920% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,199 |
| Loan loss allowance to noncurrent loans | 8,985.4167% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 3,673 |
| Noncurrent loans to loans | 0.0150% | 4,227 |
| Net loans and leases to total assets | 63.9027% | 2,058 |
| Net loans and leases to deposits | 73.0193% | 2,213 |
| Net loans and leases to core deposits | 76.8135% | 2,285 |
| Total domestic deposits to total assets | 87.5149% | 2,080 |
| Equity capital to assets | 8.6800% | 3,976 |
| Core capital (leverage) ratio | 9.0016% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8098% | 2,370 |
| Memoranda: | ||
| Average total assets | $486,337,500 | 1,739 |
| Average earning assets | $449,818,500 | 1,745 |
| Average equity | $42,941,000 | 1,987 |
| Average total loans | $315,321,000 | 1,683 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5802% | 1,133 |
| Cost of funding earning assets | 0.6864% | 1,795 |
| Net interest margin | 3.8938% | 1,229 |
| Noninterest income to average assets | 1.5733% | 496 |
| Noninterest expense to average assets | 2.8991% | 1,688 |
| Loan and lease loss provision to assets | 0.2641% | 1,464 |
| Net operating income to assets | 1.5193% | 771 |
| Return on assets (ROA) | 1.5292% | 811 |
| Pretax return on assets | 2.0450% | 414 |
| Return on Equity (ROE) | 16.8390% | 427 |
| Retained earnings to average equity (ytd only) | 14.4777% | 172 |
| Net charge-offs to loans | 0.0050% | 3,168 |
| Credit loss provision to net charge-offs | 7,218.7500% | 146 |
| Earnings coverage of net charge-offs (x) | 627.8125% | 185 |
| Efficiency ratio | 55.7995% | 4,009 |
| Assets per employee ($millions) | 5.1004% | 3,282 |
| Cash dividends to net income (ytd only)* | 14.0230% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 2,162 |
| Loan loss allowance to noncurrent loans | 6,595.3125% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 3,704 |
| Noncurrent loans to loans | 0.0206% | 4,256 |
| Net loans and leases to total assets | 64.0158% | 2,361 |
| Net loans and leases to deposits | 73.3098% | 2,560 |
| Net loans and leases to core deposits | 77.2172% | 2,621 |
| Total domestic deposits to total assets | 87.3222% | 1,784 |
| Equity capital to assets | 8.9832% | 4,070 |
| Core capital (leverage) ratio | 8.9094% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6282% | 2,390 |
| Memoranda: | ||
| Average total assets | $437,411,000 | 1,740 |
| Average earning assets | $406,904,000 | 1,743 |
| Average equity | $39,723,200 | 2,029 |
| Average total loans | $320,236,000 | 1,611 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 1,235 |
| Cost of funding earning assets | 0.7401% | 1,800 |
| Net interest margin | 3.8862% | 1,385 |
| Noninterest income to average assets | 1.4832% | 532 |
| Noninterest expense to average assets | 2.8999% | 1,703 |
| Loan and lease loss provision to assets | 0.2670% | 1,523 |
| Net operating income to assets | 1.4571% | 981 |
| Return on assets (ROA) | 1.4707% | 1,045 |
| Pretax return on assets | 1.9642% | 550 |
| Return on Equity (ROE) | 16.1456% | 536 |
| Retained earnings to average equity (ytd only) | 14.3833% | 230 |
| Net charge-offs to loans | 0.0107% | 2,722 |
| Credit loss provision to net charge-offs | 3,288.4615% | 328 |
| Earnings coverage of net charge-offs (x) | 272.6538% | 391 |
| Efficiency ratio | 56.7058% | 3,832 |
| Assets per employee ($millions) | 4.9469% | 3,318 |
| Cash dividends to net income (ytd only)* | 10.9153% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 2,782 |
| Loan loss allowance to noncurrent loans | 431.6777% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 2,944 |
| Noncurrent loans to loans | 0.2732% | 3,315 |
| Net loans and leases to total assets | 70.4747% | 1,878 |
| Net loans and leases to deposits | 81.3289% | 2,166 |
| Net loans and leases to core deposits | 85.7735% | 2,320 |
| Total domestic deposits to total assets | 86.6539% | 1,794 |
| Equity capital to assets | 8.9181% | 4,171 |
| Core capital (leverage) ratio | 8.8115% | 3,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3251% | 2,492 |
| Memoranda: | ||
| Average total assets | $426,904,250 | 1,752 |
| Average earning assets | $398,833,500 | 1,749 |
| Average equity | $38,886,750 | 2,052 |
| Average total loans | $322,510,750 | 1,598 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 1,523 |
| Cost of funding earning assets | 0.8056% | 1,798 |
| Net interest margin | 3.8491% | 1,694 |
| Noninterest income to average assets | 1.3317% | 584 |
| Noninterest expense to average assets | 2.9367% | 1,749 |
| Loan and lease loss provision to assets | 0.2897% | 1,480 |
| Net operating income to assets | 1.2779% | 1,415 |
| Return on assets (ROA) | 1.2989% | 1,473 |
| Pretax return on assets | 1.7262% | 942 |
| Return on Equity (ROE) | 14.1483% | 856 |
| Retained earnings to average equity (ytd only) | 12.3653% | 414 |
| Net charge-offs to loans | 0.0100% | 2,590 |
| Credit loss provision to net charge-offs | 3,750.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 257.5000% | 362 |
| Efficiency ratio | 59.6158% | 3,465 |
| Assets per employee ($millions) | 4.8743% | 3,337 |
| Cash dividends to net income (ytd only)* | 12.6022% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,145 |
| Loan loss allowance to noncurrent loans | 70.3917% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.2918% | 810 |
| Noncurrent loans to loans | 1.5431% | 974 |
| Net loans and leases to total assets | 74.4463% | 1,348 |
| Net loans and leases to deposits | 86.5243% | 1,713 |
| Net loans and leases to core deposits | 91.6734% | 1,934 |
| Total domestic deposits to total assets | 86.0409% | 1,993 |
| Equity capital to assets | 8.8618% | 4,202 |
| Core capital (leverage) ratio | 8.8930% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5477% | 3,077 |
| Memoranda: | ||
| Average total assets | $414,202,000 | 1,768 |
| Average earning assets | $386,790,000 | 1,763 |
| Average equity | $38,025,667 | 2,081 |
| Average total loans | $319,472,333 | 1,596 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 1,709 |
| Cost of funding earning assets | 0.8843% | 1,951 |
| Net interest margin | 3.8155% | 1,914 |
| Noninterest income to average assets | 1.0134% | 830 |
| Noninterest expense to average assets | 3.1812% | 1,461 |
| Loan and lease loss provision to assets | 0.2015% | 1,511 |
| Net operating income to assets | 0.9112% | 2,485 |
| Return on assets (ROA) | 0.9550% | 2,435 |
| Pretax return on assets | 1.2501% | 2,034 |
| Return on Equity (ROE) | 10.2022% | 1,680 |
| Retained earnings to average equity (ytd only) | 10.2022% | 707 |
| Net charge-offs to loans | 0.0387% | 1,651 |
| Credit loss provision to net charge-offs | 666.6667% | 743 |
| Earnings coverage of net charge-offs (x) | 46.2000% | 956 |
| Efficiency ratio | 69.4982% | 2,426 |
| Assets per employee ($millions) | 4.1943% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,596 |
| Loan loss allowance to noncurrent loans | 44.4627% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 2.0504% | 400 |
| Noncurrent loans to loans | 2.2944% | 552 |
| Net loans and leases to total assets | 78.3624% | 925 |
| Net loans and leases to deposits | 93.0514% | 1,177 |
| Net loans and leases to core deposits | 99.5061% | 1,509 |
| Total domestic deposits to total assets | 84.2141% | 2,705 |
| Equity capital to assets | 9.4345% | 4,281 |
| Core capital (leverage) ratio | 9.4448% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6815% | 3,188 |
| Memoranda: | ||
| Average total assets | $397,083,000 | 1,777 |
| Average earning assets | $370,912,500 | 1,773 |
| Average equity | $37,168,500 | 2,110 |
| Average total loans | $310,452,000 | 1,593 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 2,086 |
| Cost of funding earning assets | 0.9087% | 2,155 |
| Net interest margin | 3.8763% | 2,259 |
| Noninterest income to average assets | 0.8712% | 1,243 |
| Noninterest expense to average assets | 3.1944% | 1,536 |
| Loan and lease loss provision to assets | 0.1553% | 1,358 |
| Net operating income to assets | 0.8572% | 3,367 |
| Return on assets (ROA) | 0.9232% | 3,188 |
| Pretax return on assets | 1.2074% | 2,816 |
| Return on Equity (ROE) | 9.9591% | 2,312 |
| Retained earnings to average equity (ytd only) | 8.3209% | 883 |
| Net charge-offs to loans | 0.2488% | 828 |
| Credit loss provision to net charge-offs | 79.1269% | 2,805 |
| Earnings coverage of net charge-offs (x) | 6.5157% | 2,971 |
| Efficiency ratio | 71.4063% | 1,959 |
| Assets per employee ($millions) | 4.1212% | 3,739 |
| Cash dividends to net income (ytd only)* | 16.4491% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 3,382 |
| Loan loss allowance to noncurrent loans | 46.5559% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.9537% | 409 |
| Noncurrent loans to loans | 2.1911% | 566 |
| Net loans and leases to total assets | 76.3810% | 1,346 |
| Net loans and leases to deposits | 88.9189% | 1,711 |
| Net loans and leases to core deposits | 94.9973% | 1,984 |
| Total domestic deposits to total assets | 85.8996% | 2,106 |
| Equity capital to assets | 9.2842% | 4,501 |
| Core capital (leverage) ratio | 9.3096% | 4,266 |
| Tier 1 risk-based capital ratio | 10.8412% | 4,913 |
| Total risk-based capital ratio | 11.7726% | 4,935 |
| Memoranda: | ||
| Average total assets | $373,373,000 | 1,832 |
| Average earning assets | $346,979,000 | 1,826 |
| Average equity | $34,611,600 | 2,162 |
| Average total loans | $294,596,600 | 1,630 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 2,153 |
| Cost of funding earning assets | 0.9058% | 2,206 |
| Net interest margin | 3.8844% | 2,314 |
| Noninterest income to average assets | 0.8788% | 1,194 |
| Noninterest expense to average assets | 3.1778% | 1,512 |
| Loan and lease loss provision to assets | 0.1717% | 1,071 |
| Net operating income to assets | 0.8638% | 3,470 |
| Return on assets (ROA) | 0.9543% | 3,228 |
| Pretax return on assets | 1.2511% | 2,813 |
| Return on Equity (ROE) | 10.2990% | 2,304 |
| Retained earnings to average equity (ytd only) | 8.7463% | 1,119 |
| Net charge-offs to loans | 0.0606% | 1,949 |
| Credit loss provision to net charge-offs | 357.1429% | 840 |
| Earnings coverage of net charge-offs (x) | 27.2103% | 1,719 |
| Efficiency ratio | 70.8380% | 1,994 |
| Assets per employee ($millions) | 4.1149% | 3,738 |
| Cash dividends to net income (ytd only)* | 15.0757% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 2,570 |
| Loan loss allowance to noncurrent loans | 61.8323% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.5550% | 694 |
| Noncurrent loans to loans | 1.9208% | 721 |
| Net loans and leases to total assets | 76.9367% | 1,333 |
| Net loans and leases to deposits | 89.8384% | 1,716 |
| Net loans and leases to core deposits | 95.9795% | 1,996 |
| Total domestic deposits to total assets | 85.6390% | 2,143 |
| Equity capital to assets | 9.2677% | 4,622 |
| Core capital (leverage) ratio | 9.3680% | 4,302 |
| Tier 1 risk-based capital ratio | 10.8315% | 4,979 |
| Total risk-based capital ratio | 11.9311% | 4,942 |
| Memoranda: | ||
| Average total assets | $368,837,500 | 1,863 |
| Average earning assets | $342,521,000 | 1,856 |
| Average equity | $34,177,250 | 2,198 |
| Average total loans | $292,714,500 | 1,648 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7809% | 2,123 |
| Cost of funding earning assets | 0.8878% | 2,209 |
| Net interest margin | 3.8931% | 2,258 |
| Noninterest income to average assets | 0.8676% | 1,162 |
| Noninterest expense to average assets | 3.2394% | 1,426 |
| Loan and lease loss provision to assets | 0.1874% | 950 |
| Net operating income to assets | 0.8006% | 3,648 |
| Return on assets (ROA) | 0.9387% | 3,202 |
| Pretax return on assets | 1.2292% | 2,815 |
| Return on Equity (ROE) | 10.1308% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.7685% | 1,103 |
| Net charge-offs to loans | 0.0924% | 1,438 |
| Credit loss provision to net charge-offs | 253.7313% | 1,002 |
| Earnings coverage of net charge-offs (x) | 16.8134% | 1,917 |
| Efficiency ratio | 72.2878% | 1,876 |
| Assets per employee ($millions) | 3.9907% | 3,874 |
| Cash dividends to net income (ytd only)* | 13.4469% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1476% | 2,801 |
| Loan loss allowance to noncurrent loans | 59.7326% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.5940% | 681 |
| Noncurrent loans to loans | 1.9212% | 760 |
| Net loans and leases to total assets | 79.8431% | 900 |
| Net loans and leases to deposits | 93.5833% | 1,300 |
| Net loans and leases to core deposits | 100.4052% | 1,686 |
| Total domestic deposits to total assets | 85.3177% | 2,335 |
| Equity capital to assets | 9.4023% | 4,500 |
| Core capital (leverage) ratio | 9.4624% | 4,186 |
| Tier 1 risk-based capital ratio | 10.8753% | 4,965 |
| Total risk-based capital ratio | 11.9608% | 4,949 |
| Memoranda: | ||
| Average total assets | $362,848,330 | 1,891 |
| Average earning assets | $336,802,000 | 1,881 |
| Average equity | $33,620,330 | 2,220 |
| Average total loans | $289,895,330 | 1,660 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 1,929 |
| Cost of funding earning assets | 0.8585% | 2,221 |
| Net interest margin | 3.9316% | 2,086 |
| Noninterest income to average assets | 0.8140% | 1,259 |
| Noninterest expense to average assets | 3.3175% | 1,254 |
| Loan and lease loss provision to assets | 0.1171% | 1,501 |
| Net operating income to assets | 0.7906% | 3,655 |
| Return on assets (ROA) | 0.7906% | 3,704 |
| Pretax return on assets | 1.0259% | 3,364 |
| Return on Equity (ROE) | 8.5984% | 2,988 |
| Retained earnings to average equity (ytd only) | 8.5984% | 1,450 |
| Net charge-offs to loans | 0.0772% | 1,302 |
| Credit loss provision to net charge-offs | 190.9091% | 1,080 |
| Earnings coverage of net charge-offs (x) | 18.6364% | 1,618 |
| Efficiency ratio | 74.3750% | 1,701 |
| Assets per employee ($millions) | 3.8830% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 2,937 |
| Loan loss allowance to noncurrent loans | 504.6083% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.2276% | 3,713 |
| Noncurrent loans to loans | 0.2251% | 3,779 |
| Net loans and leases to total assets | 79.1901% | 961 |
| Net loans and leases to deposits | 92.8333% | 1,302 |
| Net loans and leases to core deposits | 99.6078% | 1,656 |
| Total domestic deposits to total assets | 85.3035% | 2,561 |
| Equity capital to assets | 9.3135% | 4,419 |
| Core capital (leverage) ratio | 9.4384% | 4,214 |
| Tier 1 risk-based capital ratio | 10.9549% | 4,997 |
| Total risk-based capital ratio | 12.0229% | 4,981 |
| Memoranda: | ||
| Average total assets | $358,705,500 | 1,920 |
| Average earning assets | $332,692,500 | 1,912 |
| Average equity | $32,983,000 | 2,253 |
| Average total loans | $284,960,500 | 1,694 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6739% | 1,918 |
| Cost of funding earning assets | 0.6754% | 2,238 |
| Net interest margin | 3.9985% | 1,989 |
| Noninterest income to average assets | 0.9522% | 1,058 |
| Noninterest expense to average assets | 3.4380% | 1,089 |
| Loan and lease loss provision to assets | 0.1045% | 2,101 |
| Net operating income to assets | 0.8491% | 3,612 |
| Return on assets (ROA) | 0.8444% | 3,624 |
| Pretax return on assets | 1.0903% | 3,312 |
| Return on Equity (ROE) | 9.2217% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.1735% | 1,590 |
| Net charge-offs to loans | 0.0835% | 1,945 |
| Credit loss provision to net charge-offs | 161.3636% | 1,720 |
| Earnings coverage of net charge-offs (x) | 18.5364% | 2,125 |
| Efficiency ratio | 74.1162% | 1,613 |
| Assets per employee ($millions) | 3.7903% | 4,193 |
| Cash dividends to net income (ytd only)* | 22.2106% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 2,818 |
| Loan loss allowance to noncurrent loans | 352.7808% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 3,350 |
| Noncurrent loans to loans | 0.3267% | 3,383 |
| Net loans and leases to total assets | 77.8661% | 1,289 |
| Net loans and leases to deposits | 89.5990% | 1,847 |
| Net loans and leases to core deposits | 95.8751% | 2,073 |
| Total domestic deposits to total assets | 86.9050% | 1,821 |
| Equity capital to assets | 9.0749% | 4,518 |
| Core capital (leverage) ratio | 9.4831% | 4,131 |
| Tier 1 risk-based capital ratio | 10.9511% | 4,999 |
| Total risk-based capital ratio | 12.0251% | 4,970 |
| Memoranda: | ||
| Average total assets | $339,645,600 | 1,952 |
| Average earning assets | $313,145,200 | 1,957 |
| Average equity | $31,100,400 | 2,275 |
| Average total loans | $263,374,600 | 1,765 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 1,933 |
| Cost of funding earning assets | 0.6322% | 2,257 |
| Net interest margin | 3.9847% | 1,999 |
| Noninterest income to average assets | 0.9494% | 1,060 |
| Noninterest expense to average assets | 3.4405% | 1,067 |
| Loan and lease loss provision to assets | 0.1133% | 1,794 |
| Net operating income to assets | 0.8285% | 3,813 |
| Return on assets (ROA) | 0.8251% | 3,833 |
| Pretax return on assets | 1.0611% | 3,530 |
| Return on Equity (ROE) | 8.9890% | 3,096 |
| Retained earnings to average equity (ytd only) | 6.9540% | 2,148 |
| Net charge-offs to loans | 0.1220% | 1,290 |
| Credit loss provision to net charge-offs | 120.2532% | 1,984 |
| Earnings coverage of net charge-offs (x) | 12.5149% | 2,446 |
| Efficiency ratio | 74.4816% | 1,522 |
| Assets per employee ($millions) | 3.8164% | 4,157 |
| Cash dividends to net income (ytd only)* | 22.6397% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,882 |
| Loan loss allowance to noncurrent loans | 219.9860% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 2,770 |
| Noncurrent loans to loans | 0.5251% | 2,807 |
| Net loans and leases to total assets | 76.7238% | 1,552 |
| Net loans and leases to deposits | 91.3848% | 1,708 |
| Net loans and leases to core deposits | 98.1155% | 1,925 |
| Total domestic deposits to total assets | 83.9569% | 2,959 |
| Equity capital to assets | 8.8773% | 4,659 |
| Core capital (leverage) ratio | 9.4731% | 4,211 |
| Tier 1 risk-based capital ratio | 10.9056% | 5,078 |
| Total risk-based capital ratio | 11.9666% | 5,067 |
| Memoranda: | ||
| Average total assets | $335,484,500 | 1,975 |
| Average earning assets | $308,973,750 | 1,985 |
| Average equity | $30,792,250 | 2,297 |
| Average total loans | $259,052,250 | 1,791 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 2,162 |
| Cost of funding earning assets | 0.5758% | 2,390 |
| Net interest margin | 3.9039% | 2,189 |
| Noninterest income to average assets | 1.0022% | 959 |
| Noninterest expense to average assets | 3.4862% | 1,012 |
| Loan and lease loss provision to assets | 0.1211% | 1,629 |
| Net operating income to assets | 0.7941% | 3,875 |
| Return on assets (ROA) | 0.7993% | 3,858 |
| Pretax return on assets | 1.0228% | 3,589 |
| Return on Equity (ROE) | 8.6087% | 3,207 |
| Retained earnings to average equity (ytd only) | 6.5674% | 2,271 |
| Net charge-offs to loans | 0.1563% | 986 |
| Credit loss provision to net charge-offs | 100.5025% | 2,008 |
| Earnings coverage of net charge-offs (x) | 9.4372% | 2,395 |
| Efficiency ratio | 75.4028% | 1,505 |
| Assets per employee ($millions) | 3.5610% | 4,516 |
| Cash dividends to net income (ytd only)* | 23.7121% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 2,916 |
| Loan loss allowance to noncurrent loans | 310.1000% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 3,282 |
| Noncurrent loans to loans | 0.3749% | 3,352 |
| Net loans and leases to total assets | 77.9419% | 1,324 |
| Net loans and leases to deposits | 90.8500% | 1,728 |
| Net loans and leases to core deposits | 97.1669% | 1,947 |
| Total domestic deposits to total assets | 85.7919% | 2,378 |
| Equity capital to assets | 9.1116% | 4,469 |
| Core capital (leverage) ratio | 9.6028% | 3,994 |
| Tier 1 risk-based capital ratio | 11.0432% | 5,030 |
| Total risk-based capital ratio | 12.1216% | 5,011 |
| Memoranda: | ||
| Average total assets | $330,276,000 | 2,007 |
| Average earning assets | $306,358,670 | 2,013 |
| Average equity | $30,666,670 | 2,310 |
| Average total loans | $254,558,670 | 1,822 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4266% | 2,106 |
| Cost of funding earning assets | 0.5352% | 2,508 |
| Net interest margin | 3.8914% | 2,076 |
| Noninterest income to average assets | 0.9354% | 1,059 |
| Noninterest expense to average assets | 3.5284% | 949 |
| Loan and lease loss provision to assets | 0.1287% | 1,465 |
| Net operating income to assets | 0.7056% | 4,079 |
| Return on assets (ROA) | 0.7172% | 4,051 |
| Pretax return on assets | 0.9036% | 3,839 |
| Return on Equity (ROE) | 7.6501% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.6501% | 1,970 |
| Net charge-offs to loans | 0.2995% | 505 |
| Credit loss provision to net charge-offs | 56.4516% | 1,902 |
| Earnings coverage of net charge-offs (x) | 4.4624% | 2,303 |
| Efficiency ratio | 77.6160% | 1,390 |
| Assets per employee ($millions) | 3.4234% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,804 |
| Loan loss allowance to noncurrent loans | 829.3956% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,197 |
| Noncurrent loans to loans | 0.1447% | 4,315 |
| Net loans and leases to total assets | 76.4463% | 1,471 |
| Net loans and leases to deposits | 87.5719% | 1,988 |
| Net loans and leases to core deposits | 93.5693% | 2,171 |
| Total domestic deposits to total assets | 87.2955% | 2,011 |
| Equity capital to assets | 9.3843% | 4,201 |
| Core capital (leverage) ratio | 9.6158% | 3,946 |
| Tier 1 risk-based capital ratio | 11.4224% | 4,897 |
| Total risk-based capital ratio | 12.5229% | 4,883 |
| Memoranda: | ||
| Average total assets | $326,267,500 | 2,041 |
| Average earning assets | $302,715,500 | 2,041 |
| Average equity | $30,588,000 | 2,329 |
| Average total loans | $248,451,500 | 1,862 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 1,927 |
| Cost of funding earning assets | 0.4307% | 2,955 |
| Net interest margin | 4.0057% | 1,737 |
| Noninterest income to average assets | 1.0418% | 937 |
| Noninterest expense to average assets | 3.3850% | 1,226 |
| Loan and lease loss provision to assets | 0.1024% | 2,177 |
| Net operating income to assets | 0.7611% | 3,342 |
| Return on assets (ROA) | 0.7615% | 3,379 |
| Pretax return on assets | 1.2635% | 2,496 |
| Return on Equity (ROE) | 8.0117% | 2,787 |
| Retained earnings to average equity (ytd only) | 4.0655% | 2,741 |
| Net charge-offs to loans | 0.0316% | 3,162 |
| Credit loss provision to net charge-offs | 422.0779% | 730 |
| Earnings coverage of net charge-offs (x) | 56.2987% | 996 |
| Efficiency ratio | 71.2590% | 2,345 |
| Assets per employee ($millions) | 3.4820% | 4,720 |
| Cash dividends to net income (ytd only)* | 49.2556% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,405 |
| Loan loss allowance to noncurrent loans | 971.7868% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,348 |
| Noncurrent loans to loans | 0.1301% | 4,408 |
| Net loans and leases to total assets | 73.9854% | 1,927 |
| Net loans and leases to deposits | 84.1408% | 2,479 |
| Net loans and leases to core deposits | 89.6084% | 2,605 |
| Total domestic deposits to total assets | 87.9305% | 1,541 |
| Equity capital to assets | 9.3660% | 4,365 |
| Core capital (leverage) ratio | 9.5245% | 4,012 |
| Tier 1 risk-based capital ratio | 11.4021% | 4,915 |
| Total risk-based capital ratio | 12.5514% | 4,856 |
| Memoranda: | ||
| Average total assets | $317,520,200 | 2,075 |
| Average earning assets | $293,956,000 | 2,076 |
| Average equity | $30,181,000 | 2,345 |
| Average total loans | $243,838,000 | 1,856 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 1,934 |
| Cost of funding earning assets | 0.4107% | 3,078 |
| Net interest margin | 3.9989% | 1,707 |
| Noninterest income to average assets | 1.0761% | 882 |
| Noninterest expense to average assets | 3.3587% | 1,227 |
| Loan and lease loss provision to assets | 0.1164% | 1,858 |
| Net operating income to assets | 0.8877% | 3,087 |
| Return on assets (ROA) | 0.8882% | 3,136 |
| Pretax return on assets | 1.3059% | 2,457 |
| Return on Equity (ROE) | 9.3093% | 2,440 |
| Retained earnings to average equity (ytd only) | 4.9762% | 2,904 |
| Net charge-offs to loans | 0.0575% | 2,313 |
| Credit loss provision to net charge-offs | 261.9048% | 1,094 |
| Earnings coverage of net charge-offs (x) | 31.9896% | 1,493 |
| Efficiency ratio | 70.2638% | 2,499 |
| Assets per employee ($millions) | 3.5568% | 4,641 |
| Cash dividends to net income (ytd only)* | 46.5458% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 2,832 |
| Loan loss allowance to noncurrent loans | 735.2798% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 4,352 |
| Noncurrent loans to loans | 0.1653% | 4,403 |
| Net loans and leases to total assets | 75.8660% | 1,609 |
| Net loans and leases to deposits | 87.5108% | 2,127 |
| Net loans and leases to core deposits | 93.4426% | 2,310 |
| Total domestic deposits to total assets | 86.6933% | 1,998 |
| Equity capital to assets | 9.4988% | 4,448 |
| Core capital (leverage) ratio | 9.5767% | 4,057 |
| Tier 1 risk-based capital ratio | 11.3884% | 5,020 |
| Total risk-based capital ratio | 12.5113% | 4,997 |
| Memoranda: | ||
| Average total assets | $315,072,250 | 2,104 |
| Average earning assets | $291,836,750 | 2,100 |
| Average equity | $30,062,250 | 2,371 |
| Average total loans | $243,481,750 | 1,866 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 1,837 |
| Cost of funding earning assets | 0.3875% | 3,206 |
| Net interest margin | 4.0060% | 1,587 |
| Noninterest income to average assets | 1.1717% | 741 |
| Noninterest expense to average assets | 3.3568% | 1,260 |
| Loan and lease loss provision to assets | 0.1281% | 1,623 |
| Net operating income to assets | 0.9453% | 2,690 |
| Return on assets (ROA) | 0.9462% | 2,742 |
| Pretax return on assets | 1.3972% | 2,030 |
| Return on Equity (ROE) | 9.9012% | 2,078 |
| Retained earnings to average equity (ytd only) | 4.5518% | 2,999 |
| Net charge-offs to loans | 0.1497% | 1,255 |
| Credit loss provision to net charge-offs | 110.4972% | 1,885 |
| Earnings coverage of net charge-offs (x) | 13.1436% | 2,150 |
| Efficiency ratio | 68.7754% | 2,875 |
| Assets per employee ($millions) | 3.4409% | 4,808 |
| Cash dividends to net income (ytd only)* | 54.0284% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 3,265 |
| Loan loss allowance to noncurrent loans | 648.0813% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 4,152 |
| Noncurrent loans to loans | 0.1786% | 4,405 |
| Net loans and leases to total assets | 77.4424% | 1,325 |
| Net loans and leases to deposits | 88.9544% | 1,870 |
| Net loans and leases to core deposits | 95.2469% | 2,046 |
| Total domestic deposits to total assets | 87.0585% | 1,925 |
| Equity capital to assets | 9.5836% | 4,332 |
| Core capital (leverage) ratio | 9.6223% | 3,997 |
| Tier 1 risk-based capital ratio | 11.3002% | 5,089 |
| Total risk-based capital ratio | 12.3744% | 5,077 |
| Memoranda: | ||
| Average total assets | $312,205,670 | 2,121 |
| Average earning assets | $289,069,000 | 2,117 |
| Average equity | $29,834,670 | 2,382 |
| Average total loans | $241,782,670 | 1,870 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 1,826 |
| Cost of funding earning assets | 0.3607% | 3,411 |
| Net interest margin | 3.9853% | 1,505 |
| Noninterest income to average assets | 1.2205% | 691 |
| Noninterest expense to average assets | 3.3791% | 1,239 |
| Loan and lease loss provision to assets | 0.1290% | 1,488 |
| Net operating income to assets | 0.9522% | 2,517 |
| Return on assets (ROA) | 0.9522% | 2,577 |
| Pretax return on assets | 1.4050% | 1,879 |
| Return on Equity (ROE) | 9.9787% | 1,972 |
| Retained earnings to average equity (ytd only) | 6.6795% | 1,992 |
| Net charge-offs to loans | 0.0553% | 1,780 |
| Credit loss provision to net charge-offs | 303.0303% | 776 |
| Earnings coverage of net charge-offs (x) | 36.0303% | 1,104 |
| Efficiency ratio | 68.7763% | 3,084 |
| Assets per employee ($millions) | 3.5345% | 4,744 |
| Cash dividends to net income (ytd only)* | 33.0623% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 3,043 |
| Loan loss allowance to noncurrent loans | 428.0059% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 4,298 |
| Noncurrent loans to loans | 0.2840% | 4,102 |
| Net loans and leases to total assets | 76.2686% | 1,371 |
| Net loans and leases to deposits | 87.6772% | 1,841 |
| Net loans and leases to core deposits | 92.9309% | 2,073 |
| Total domestic deposits to total assets | 86.9880% | 2,217 |
| Equity capital to assets | 9.6195% | 4,167 |
| Core capital (leverage) ratio | 9.7348% | 3,831 |
| Tier 1 risk-based capital ratio | 11.4389% | 5,069 |
| Total risk-based capital ratio | 12.5514% | 5,047 |
| Memoranda: | ||
| Average total assets | $310,027,000 | 2,150 |
| Average earning assets | $287,254,500 | 2,147 |
| Average equity | $29,583,000 | 2,415 |
| Average total loans | $238,661,500 | 1,897 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,585 |
| Cost of funding earning assets | 0.3395% | 3,638 |
| Net interest margin | 4.1444% | 1,258 |
| Noninterest income to average assets | 1.0426% | 1,041 |
| Noninterest expense to average assets | 3.5047% | 1,153 |
| Loan and lease loss provision to assets | 0.1793% | 1,339 |
| Net operating income to assets | 0.8113% | 3,255 |
| Return on assets (ROA) | 0.8384% | 3,223 |
| Pretax return on assets | 1.2164% | 2,602 |
| Return on Equity (ROE) | 8.4458% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.4596% | 2,038 |
| Net charge-offs to loans | 0.2308% | 1,202 |
| Credit loss provision to net charge-offs | 101.5474% | 2,532 |
| Earnings coverage of net charge-offs (x) | 7.6828% | 2,980 |
| Efficiency ratio | 72.0969% | 2,574 |
| Assets per employee ($millions) | 3.3589% | 4,963 |
| Cash dividends to net income (ytd only)* | 35.3564% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 3,111 |
| Loan loss allowance to noncurrent loans | 404.5390% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 4,116 |
| Noncurrent loans to loans | 0.2972% | 4,084 |
| Net loans and leases to total assets | 75.8303% | 1,536 |
| Net loans and leases to deposits | 85.7865% | 2,209 |
| Net loans and leases to core deposits | 90.3048% | 2,476 |
| Total domestic deposits to total assets | 88.3942% | 1,440 |
| Equity capital to assets | 9.4641% | 4,308 |
| Core capital (leverage) ratio | 9.7777% | 3,773 |
| Tier 1 risk-based capital ratio | 10.9622% | 5,359 |
| Total risk-based capital ratio | 12.0206% | 5,350 |
| Memoranda: | ||
| Average total assets | $292,835,400 | 2,210 |
| Average earning assets | $269,810,400 | 2,212 |
| Average equity | $29,067,800 | 2,445 |
| Average total loans | $223,976,600 | 1,953 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 1,475 |
| Cost of funding earning assets | 0.3364% | 3,696 |
| Net interest margin | 4.1851% | 1,163 |
| Noninterest income to average assets | 0.9765% | 1,197 |
| Noninterest expense to average assets | 3.5457% | 1,070 |
| Loan and lease loss provision to assets | 0.1847% | 1,184 |
| Net operating income to assets | 0.7635% | 3,540 |
| Return on assets (ROA) | 0.8001% | 3,507 |
| Pretax return on assets | 1.1538% | 3,028 |
| Return on Equity (ROE) | 7.9612% | 3,027 |
| Retained earnings to average equity (ytd only) | 4.6582% | 3,050 |
| Net charge-offs to loans | 0.2628% | 889 |
| Credit loss provision to net charge-offs | 91.9540% | 2,500 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 3,003 |
| Efficiency ratio | 73.3945% | 2,380 |
| Assets per employee ($millions) | 3.7215% | 4,431 |
| Cash dividends to net income (ytd only)* | 41.4886% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 3,274 |
| Loan loss allowance to noncurrent loans | 224.8999% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 3,771 |
| Noncurrent loans to loans | 0.5312% | 3,402 |
| Net loans and leases to total assets | 77.0738% | 1,348 |
| Net loans and leases to deposits | 87.4737% | 2,084 |
| Net loans and leases to core deposits | 92.3051% | 2,348 |
| Total domestic deposits to total assets | 88.1108% | 1,348 |
| Equity capital to assets | 9.8056% | 4,356 |
| Core capital (leverage) ratio | 9.7708% | 3,844 |
| Tier 1 risk-based capital ratio | 11.0618% | 5,347 |
| Total risk-based capital ratio | 12.1345% | 5,344 |
| Memoranda: | ||
| Average total assets | $288,789,500 | 2,234 |
| Average earning assets | $265,982,000 | 2,249 |
| Average equity | $29,023,250 | 2,453 |
| Average total loans | $220,675,250 | 1,974 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 1,386 |
| Cost of funding earning assets | 0.3280% | 3,814 |
| Net interest margin | 4.2221% | 1,074 |
| Noninterest income to average assets | 0.9600% | 1,218 |
| Noninterest expense to average assets | 3.5646% | 1,062 |
| Loan and lease loss provision to assets | 0.1757% | 1,245 |
| Net operating income to assets | 0.7709% | 3,442 |
| Return on assets (ROA) | 0.8082% | 3,405 |
| Pretax return on assets | 1.1639% | 2,929 |
| Return on Equity (ROE) | 7.9737% | 2,990 |
| Retained earnings to average equity (ytd only) | 3.9591% | 3,379 |
| Net charge-offs to loans | 0.3085% | 771 |
| Credit loss provision to net charge-offs | 75.0751% | 2,422 |
| Earnings coverage of net charge-offs (x) | 5.4925% | 2,848 |
| Efficiency ratio | 73.4966% | 2,432 |
| Assets per employee ($millions) | 3.2867% | 5,086 |
| Cash dividends to net income (ytd only)* | 50.3478% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 3,277 |
| Loan loss allowance to noncurrent loans | 155.3742% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 2,878 |
| Noncurrent loans to loans | 0.7813% | 2,796 |
| Net loans and leases to total assets | 75.9574% | 1,495 |
| Net loans and leases to deposits | 87.4594% | 2,070 |
| Net loans and leases to core deposits | 92.5159% | 2,307 |
| Total domestic deposits to total assets | 86.8487% | 1,990 |
| Equity capital to assets | 9.9039% | 4,337 |
| Core capital (leverage) ratio | 9.9231% | 3,657 |
| Tier 1 risk-based capital ratio | 11.2688% | 5,288 |
| Total risk-based capital ratio | 12.3596% | 5,277 |
| Memoranda: | ||
| Average total assets | $284,572,330 | 2,271 |
| Average earning assets | $262,190,670 | 2,285 |
| Average equity | $28,845,000 | 2,467 |
| Average total loans | $215,853,330 | 2,009 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 1,407 |
| Cost of funding earning assets | 0.3207% | 3,938 |
| Net interest margin | 4.2153% | 1,066 |
| Noninterest income to average assets | 0.9048% | 1,301 |
| Noninterest expense to average assets | 3.6077% | 1,009 |
| Loan and lease loss provision to assets | 0.1792% | 1,131 |
| Net operating income to assets | 0.7157% | 3,634 |
| Return on assets (ROA) | 0.7442% | 3,623 |
| Pretax return on assets | 1.0410% | 3,321 |
| Return on Equity (ROE) | 7.2538% | 3,315 |
| Retained earnings to average equity (ytd only) | 5.3390% | 2,745 |
| Net charge-offs to loans | 0.1447% | 1,246 |
| Credit loss provision to net charge-offs | 164.4737% | 1,221 |
| Earnings coverage of net charge-offs (x) | 10.8289% | 1,902 |
| Efficiency ratio | 75.3519% | 2,276 |
| Assets per employee ($millions) | 3.1299% | 5,364 |
| Cash dividends to net income (ytd only)* | 26.3969% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3597% | 2,610 |
| Loan loss allowance to noncurrent loans | 93.1723% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1750% | 1,876 |
| Noncurrent loans to loans | 1.4593% | 1,617 |
| Net loans and leases to total assets | 75.3421% | 1,496 |
| Net loans and leases to deposits | 87.3613% | 1,900 |
| Net loans and leases to core deposits | 90.2859% | 2,344 |
| Total domestic deposits to total assets | 86.2419% | 2,575 |
| Equity capital to assets | 10.3937% | 3,626 |
| Core capital (leverage) ratio | 10.1720% | 3,344 |
| Tier 1 risk-based capital ratio | 11.8528% | 5,006 |
| Total risk-based capital ratio | 13.0630% | 4,940 |
| Memoranda: | ||
| Average total assets | $278,956,500 | 2,320 |
| Average earning assets | $256,968,500 | 2,333 |
| Average equity | $28,619,500 | 2,469 |
| Average total loans | $210,057,000 | 2,055 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 1,456 |
| Cost of funding earning assets | 0.3243% | 3,971 |
| Net interest margin | 4.2260% | 1,109 |
| Noninterest income to average assets | 0.9655% | 1,277 |
| Noninterest expense to average assets | 3.5382% | 1,232 |
| Loan and lease loss provision to assets | 0.1381% | 1,713 |
| Net operating income to assets | 0.8202% | 3,246 |
| Return on assets (ROA) | 0.8285% | 3,275 |
| Pretax return on assets | 1.1823% | 2,722 |
| Return on Equity (ROE) | 7.9367% | 2,987 |
| Retained earnings to average equity (ytd only) | 0.8466% | 5,181 |
| Net charge-offs to loans | 0.2381% | 1,253 |
| Credit loss provision to net charge-offs | 79.1139% | 2,969 |
| Earnings coverage of net charge-offs (x) | 7.4979% | 3,077 |
| Efficiency ratio | 72.1188% | 2,891 |
| Assets per employee ($millions) | 3.3256% | 5,108 |
| Cash dividends to net income (ytd only)* | 89.3333% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 2,547 |
| Loan loss allowance to noncurrent loans | 85.3285% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.2773% | 1,674 |
| Noncurrent loans to loans | 1.6075% | 1,429 |
| Net loans and leases to total assets | 73.2063% | 1,851 |
| Net loans and leases to deposits | 83.6169% | 2,406 |
| Net loans and leases to core deposits | 86.5320% | 2,753 |
| Total domestic deposits to total assets | 87.5496% | 1,867 |
| Equity capital to assets | 10.1257% | 3,835 |
| Core capital (leverage) ratio | 10.1862% | 3,278 |
| Tier 1 risk-based capital ratio | 12.6956% | 4,512 |
| Total risk-based capital ratio | 13.9459% | 4,416 |
| Memoranda: | ||
| Average total assets | $271,579,200 | 2,331 |
| Average earning assets | $249,431,000 | 2,342 |
| Average equity | $28,349,400 | 2,433 |
| Average total loans | $199,043,800 | 2,077 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 1,420 |
| Cost of funding earning assets | 0.3285% | 4,005 |
| Net interest margin | 4.2385% | 1,085 |
| Noninterest income to average assets | 0.9613% | 1,286 |
| Noninterest expense to average assets | 3.5756% | 1,161 |
| Loan and lease loss provision to assets | 0.1360% | 1,646 |
| Net operating income to assets | 0.8076% | 3,395 |
| Return on assets (ROA) | 0.8149% | 3,448 |
| Pretax return on assets | 1.1586% | 2,985 |
| Return on Equity (ROE) | 7.7464% | 3,210 |
| Retained earnings to average equity (ytd only) | 2.7169% | 4,484 |
| Net charge-offs to loans | 0.2254% | 1,159 |
| Credit loss provision to net charge-offs | 82.5826% | 2,572 |
| Earnings coverage of net charge-offs (x) | 7.7988% | 2,880 |
| Efficiency ratio | 72.3952% | 2,811 |
| Assets per employee ($millions) | 3.2685% | 5,177 |
| Cash dividends to net income (ytd only)* | 64.9271% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 2,496 |
| Loan loss allowance to noncurrent loans | 100.9800% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1416% | 2,087 |
| Noncurrent loans to loans | 1.4084% | 1,804 |
| Net loans and leases to total assets | 73.7110% | 1,786 |
| Net loans and leases to deposits | 85.4520% | 2,211 |
| Net loans and leases to core deposits | 88.4446% | 2,618 |
| Total domestic deposits to total assets | 86.2602% | 2,407 |
| Equity capital to assets | 10.5808% | 3,509 |
| Core capital (leverage) ratio | 10.5082% | 3,039 |
| Tier 1 risk-based capital ratio | 10.9627% | 5,672 |
| Total risk-based capital ratio | 12.0806% | 5,671 |
| Memoranda: | ||
| Average total assets | $269,636,750 | 2,360 |
| Average earning assets | $248,005,000 | 2,375 |
| Average equity | $28,365,250 | 2,446 |
| Average total loans | $196,968,500 | 2,108 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 1,445 |
| Cost of funding earning assets | 0.3354% | 3,979 |
| Net interest margin | 4.1968% | 1,113 |
| Noninterest income to average assets | 0.9469% | 1,307 |
| Noninterest expense to average assets | 3.5527% | 1,210 |
| Loan and lease loss provision to assets | 0.1487% | 1,442 |
| Net operating income to assets | 0.7745% | 3,513 |
| Return on assets (ROA) | 0.7856% | 3,560 |
| Pretax return on assets | 1.1119% | 3,122 |
| Return on Equity (ROE) | 7.4826% | 3,329 |
| Retained earnings to average equity (ytd only) | 2.7325% | 4,318 |
| Net charge-offs to loans | 0.1159% | 1,843 |
| Credit loss provision to net charge-offs | 176.9912% | 1,359 |
| Earnings coverage of net charge-offs (x) | 14.8230% | 2,029 |
| Efficiency ratio | 72.2541% | 2,969 |
| Assets per employee ($millions) | 3.1720% | 5,383 |
| Cash dividends to net income (ytd only)* | 63.4816% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 2,171 |
| Loan loss allowance to noncurrent loans | 94.7467% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2633% | 1,986 |
| Noncurrent loans to loans | 1.6132% | 1,627 |
| Net loans and leases to total assets | 73.2651% | 1,779 |
| Net loans and leases to deposits | 84.5591% | 2,247 |
| Net loans and leases to core deposits | 87.5768% | 2,596 |
| Total domestic deposits to total assets | 86.6436% | 2,349 |
| Equity capital to assets | 10.5926% | 3,334 |
| Core capital (leverage) ratio | 10.5426% | 2,899 |
| Tier 1 risk-based capital ratio | 12.2711% | 4,954 |
| Total risk-based capital ratio | 13.5218% | 4,854 |
| Memoranda: | ||
| Average total assets | $269,087,330 | 2,382 |
| Average earning assets | $246,905,330 | 2,398 |
| Average equity | $28,252,330 | 2,464 |
| Average total loans | $195,007,330 | 2,129 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 1,507 |
| Cost of funding earning assets | 0.3423% | 3,960 |
| Net interest margin | 4.1416% | 1,181 |
| Noninterest income to average assets | 0.8683% | 1,504 |
| Noninterest expense to average assets | 3.4792% | 1,357 |
| Loan and lease loss provision to assets | 0.1479% | 1,371 |
| Net operating income to assets | 0.7452% | 3,563 |
| Return on assets (ROA) | 0.7559% | 3,643 |
| Pretax return on assets | 1.0503% | 3,300 |
| Return on Equity (ROE) | 7.2312% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.2312% | 1,901 |
| Net charge-offs to loans | 0.2089% | 1,108 |
| Credit loss provision to net charge-offs | 99.0099% | 1,674 |
| Earnings coverage of net charge-offs (x) | 7.9208% | 2,123 |
| Efficiency ratio | 72.7792% | 3,032 |
| Assets per employee ($millions) | 3.2557% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 2,415 |
| Loan loss allowance to noncurrent loans | 86.6313% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 1,994 |
| Noncurrent loans to loans | 1.7397% | 1,567 |
| Net loans and leases to total assets | 72.0192% | 1,798 |
| Net loans and leases to deposits | 84.1989% | 2,041 |
| Net loans and leases to core deposits | 87.3942% | 2,388 |
| Total domestic deposits to total assets | 85.5347% | 3,157 |
| Equity capital to assets | 10.7185% | 3,300 |
| Core capital (leverage) ratio | 10.4641% | 3,014 |
| Tier 1 risk-based capital ratio | 12.1939% | 5,114 |
| Total risk-based capital ratio | 13.4443% | 5,023 |
| Memoranda: | ||
| Average total assets | $270,406,500 | 2,379 |
| Average earning assets | $247,729,000 | 2,400 |
| Average equity | $28,266,500 | 2,484 |
| Average total loans | $193,389,000 | 2,143 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6507% | 1,419 |
| Cost of funding earning assets | 0.4107% | 3,579 |
| Net interest margin | 4.2400% | 1,186 |
| Noninterest income to average assets | 0.8386% | 1,719 |
| Noninterest expense to average assets | 3.6046% | 1,298 |
| Loan and lease loss provision to assets | 0.2053% | 1,222 |
| Net operating income to assets | 0.6622% | 4,077 |
| Return on assets (ROA) | 0.7358% | 3,815 |
| Pretax return on assets | 0.9901% | 3,537 |
| Return on Equity (ROE) | 7.1431% | 3,550 |
| Retained earnings to average equity (ytd only) | 2.0226% | 4,773 |
| Net charge-offs to loans | 0.2965% | 1,487 |
| Credit loss provision to net charge-offs | 100.1838% | 2,383 |
| Earnings coverage of net charge-offs (x) | 5.3474% | 3,444 |
| Efficiency ratio | 74.8177% | 2,693 |
| Assets per employee ($millions) | 3.3808% | 5,106 |
| Cash dividends to net income (ytd only)* | 71.6846% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 2,313 |
| Loan loss allowance to noncurrent loans | 86.6863% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.3252% | 2,120 |
| Noncurrent loans to loans | 1.7722% | 1,623 |
| Net loans and leases to total assets | 68.8801% | 2,417 |
| Net loans and leases to deposits | 78.1576% | 2,960 |
| Net loans and leases to core deposits | 81.0874% | 3,189 |
| Total domestic deposits to total assets | 88.1297% | 1,703 |
| Equity capital to assets | 10.1949% | 3,857 |
| Core capital (leverage) ratio | 10.2867% | 3,190 |
| Tier 1 risk-based capital ratio | 13.3941% | 4,466 |
| Total risk-based capital ratio | 14.6466% | 4,407 |
| Memoranda: | ||
| Average total assets | $265,435,200 | 2,385 |
| Average earning assets | $241,769,400 | 2,417 |
| Average equity | $27,341,200 | 2,460 |
| Average total loans | $183,445,000 | 2,193 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,379 |
| Cost of funding earning assets | 0.4221% | 3,553 |
| Net interest margin | 4.2487% | 1,160 |
| Noninterest income to average assets | 0.8319% | 1,768 |
| Noninterest expense to average assets | 3.6374% | 1,225 |
| Loan and lease loss provision to assets | 0.2506% | 861 |
| Net operating income to assets | 0.6174% | 4,363 |
| Return on assets (ROA) | 0.6886% | 4,089 |
| Pretax return on assets | 0.9053% | 3,958 |
| Return on Equity (ROE) | 6.6672% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.1521% | 5,427 |
| Net charge-offs to loans | 0.3712% | 1,080 |
| Credit loss provision to net charge-offs | 98.0198% | 2,275 |
| Earnings coverage of net charge-offs (x) | 4.1544% | 3,527 |
| Efficiency ratio | 75.5117% | 2,574 |
| Assets per employee ($millions) | 3.1844% | 5,463 |
| Cash dividends to net income (ytd only)* | 82.7204% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 2,403 |
| Loan loss allowance to noncurrent loans | 77.0565% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.7011% | 1,770 |
| Noncurrent loans to loans | 2.0418% | 1,537 |
| Net loans and leases to total assets | 69.3980% | 2,289 |
| Net loans and leases to deposits | 79.5715% | 2,762 |
| Net loans and leases to core deposits | 82.6887% | 3,036 |
| Total domestic deposits to total assets | 87.2147% | 2,185 |
| Equity capital to assets | 10.4392% | 3,635 |
| Core capital (leverage) ratio | 10.3934% | 3,166 |
| Tier 1 risk-based capital ratio | 13.5375% | 4,515 |
| Total risk-based capital ratio | 14.7898% | 4,456 |
| Memoranda: | ||
| Average total assets | $263,333,000 | 2,421 |
| Average earning assets | $239,720,750 | 2,443 |
| Average equity | $27,197,000 | 2,473 |
| Average total loans | $181,414,500 | 2,226 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 1,353 |
| Cost of funding earning assets | 0.4328% | 3,514 |
| Net interest margin | 4.2351% | 1,171 |
| Noninterest income to average assets | 0.8258% | 1,749 |
| Noninterest expense to average assets | 3.6356% | 1,230 |
| Loan and lease loss provision to assets | 0.2471% | 895 |
| Net operating income to assets | 0.6100% | 4,312 |
| Return on assets (ROA) | 0.6791% | 4,047 |
| Pretax return on assets | 0.8798% | 3,959 |
| Return on Equity (ROE) | 6.5988% | 3,837 |
| Retained earnings to average equity (ytd only) | -1.7143% | 5,950 |
| Net charge-offs to loans | 0.5741% | 708 |
| Credit loss provision to net charge-offs | 62.9845% | 2,595 |
| Earnings coverage of net charge-offs (x) | 2.6434% | 3,505 |
| Efficiency ratio | 75.9154% | 2,655 |
| Assets per employee ($millions) | 3.0678% | 5,654 |
| Cash dividends to net income (ytd only)* | 125.9798% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5161% | 2,824 |
| Loan loss allowance to noncurrent loans | 70.8108% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.6141% | 2,028 |
| Noncurrent loans to loans | 2.1411% | 1,554 |
| Net loans and leases to total assets | 68.5303% | 2,322 |
| Net loans and leases to deposits | 78.7823% | 2,697 |
| Net loans and leases to core deposits | 81.5446% | 3,026 |
| Total domestic deposits to total assets | 86.9870% | 2,461 |
| Equity capital to assets | 10.3942% | 3,570 |
| Core capital (leverage) ratio | 10.1762% | 3,373 |
| Tier 1 risk-based capital ratio | 13.3887% | 4,653 |
| Total risk-based capital ratio | 14.6409% | 4,604 |
| Memoranda: | ||
| Average total assets | $263,009,670 | 2,429 |
| Average earning assets | $238,910,330 | 2,456 |
| Average equity | $27,065,670 | 2,474 |
| Average total loans | $179,768,330 | 2,237 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 1,386 |
| Cost of funding earning assets | 0.4343% | 3,607 |
| Net interest margin | 4.2126% | 1,182 |
| Noninterest income to average assets | 0.8299% | 1,641 |
| Noninterest expense to average assets | 3.6906% | 1,149 |
| Loan and lease loss provision to assets | 0.2650% | 789 |
| Net operating income to assets | 0.5662% | 4,375 |
| Return on assets (ROA) | 0.5997% | 4,283 |
| Pretax return on assets | 0.7345% | 4,371 |
| Return on Equity (ROE) | 5.8566% | 4,098 |
| Retained earnings to average equity (ytd only) | -0.3254% | 5,618 |
| Net charge-offs to loans | 0.0469% | 2,732 |
| Credit loss provision to net charge-offs | 833.3333% | 359 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 1,053 |
| Efficiency ratio | 77.4919% | 2,557 |
| Assets per employee ($millions) | 3.0979% | 5,692 |
| Cash dividends to net income (ytd only)* | 105.5556% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 2,244 |
| Loan loss allowance to noncurrent loans | 91.1929% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.4575% | 2,431 |
| Noncurrent loans to loans | 1.8987% | 2,000 |
| Net loans and leases to total assets | 66.7301% | 2,443 |
| Net loans and leases to deposits | 77.1158% | 2,672 |
| Net loans and leases to core deposits | 79.7829% | 2,992 |
| Total domestic deposits to total assets | 86.5323% | 3,088 |
| Equity capital to assets | 10.3221% | 3,434 |
| Core capital (leverage) ratio | 10.1386% | 3,372 |
| Tier 1 risk-based capital ratio | 13.4360% | 4,739 |
| Total risk-based capital ratio | 14.6898% | 4,669 |
| Memoranda: | ||
| Average total assets | $264,133,500 | 2,424 |
| Average earning assets | $239,471,000 | 2,450 |
| Average equity | $27,046,500 | 2,467 |
| Average total loans | $178,926,500 | 2,242 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7983% | 1,321 |
| Cost of funding earning assets | 0.5031% | 3,577 |
| Net interest margin | 4.2952% | 1,117 |
| Noninterest income to average assets | 1.0809% | 1,212 |
| Noninterest expense to average assets | 3.4080% | 1,862 |
| Loan and lease loss provision to assets | 0.5600% | 466 |
| Net operating income to assets | 0.7482% | 3,560 |
| Return on assets (ROA) | 0.8132% | 3,324 |
| Pretax return on assets | 1.0978% | 2,956 |
| Return on Equity (ROE) | 7.8817% | 3,094 |
| Retained earnings to average equity (ytd only) | 5.3053% | 2,415 |
| Net charge-offs to loans | 0.9049% | 674 |
| Credit loss provision to net charge-offs | 91.1361% | 2,721 |
| Earnings coverage of net charge-offs (x) | 2.5549% | 4,157 |
| Efficiency ratio | 66.6667% | 4,435 |
| Assets per employee ($millions) | 3.2311% | 5,427 |
| Cash dividends to net income (ytd only)* | 32.6887% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 2,598 |
| Loan loss allowance to noncurrent loans | 86.4785% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.4342% | 2,591 |
| Noncurrent loans to loans | 1.9001% | 2,116 |
| Net loans and leases to total assets | 66.4666% | 2,620 |
| Net loans and leases to deposits | 75.4110% | 3,043 |
| Net loans and leases to core deposits | 77.8616% | 3,381 |
| Total domestic deposits to total assets | 88.1392% | 2,097 |
| Equity capital to assets | 10.1578% | 3,562 |
| Core capital (leverage) ratio | 10.3317% | 3,112 |
| Tier 1 risk-based capital ratio | 13.4165% | 4,708 |
| Total risk-based capital ratio | 14.6694% | 4,655 |
| Memoranda: | ||
| Average total assets | $260,711,200 | 2,432 |
| Average earning assets | $236,542,400 | 2,452 |
| Average equity | $26,897,600 | 2,466 |
| Average total loans | $177,031,800 | 2,226 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 1,296 |
| Cost of funding earning assets | 0.5166% | 3,604 |
| Net interest margin | 4.3076% | 1,078 |
| Noninterest income to average assets | 1.1122% | 1,184 |
| Noninterest expense to average assets | 3.4050% | 1,814 |
| Loan and lease loss provision to assets | 0.5392% | 493 |
| Net operating income to assets | 0.7943% | 3,380 |
| Return on assets (ROA) | 0.8334% | 3,303 |
| Pretax return on assets | 1.1302% | 2,981 |
| Return on Equity (ROE) | 8.0463% | 3,102 |
| Retained earnings to average equity (ytd only) | 5.9740% | 2,427 |
| Net charge-offs to loans | 0.3489% | 1,804 |
| Credit loss provision to net charge-offs | 227.2727% | 1,070 |
| Earnings coverage of net charge-offs (x) | 6.8139% | 2,901 |
| Efficiency ratio | 66.0190% | 4,474 |
| Assets per employee ($millions) | 3.2855% | 5,308 |
| Cash dividends to net income (ytd only)* | 25.7548% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 1,590 |
| Loan loss allowance to noncurrent loans | 76.3092% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.0073% | 2,005 |
| Noncurrent loans to loans | 2.6998% | 1,566 |
| Net loans and leases to total assets | 67.2547% | 2,421 |
| Net loans and leases to deposits | 76.4330% | 2,890 |
| Net loans and leases to core deposits | 78.7601% | 3,258 |
| Total domestic deposits to total assets | 87.9918% | 2,134 |
| Equity capital to assets | 10.3065% | 3,500 |
| Core capital (leverage) ratio | 10.3403% | 3,182 |
| Tier 1 risk-based capital ratio | 13.2581% | 4,931 |
| Total risk-based capital ratio | 14.5153% | 4,872 |
| Memoranda: | ||
| Average total assets | $259,652,000 | 2,459 |
| Average earning assets | $235,642,000 | 2,478 |
| Average equity | $26,893,750 | 2,493 |
| Average total loans | $176,528,750 | 2,242 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8385% | 1,243 |
| Cost of funding earning assets | 0.5266% | 3,641 |
| Net interest margin | 4.3119% | 1,004 |
| Noninterest income to average assets | 1.1275% | 1,195 |
| Noninterest expense to average assets | 3.4434% | 1,731 |
| Loan and lease loss provision to assets | 0.2773% | 1,329 |
| Net operating income to assets | 0.9364% | 2,635 |
| Return on assets (ROA) | 0.9927% | 2,501 |
| Pretax return on assets | 1.3963% | 1,947 |
| Return on Equity (ROE) | 9.5689% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.4659% | 2,167 |
| Net charge-offs to loans | 0.4126% | 1,571 |
| Credit loss provision to net charge-offs | 99.1736% | 2,262 |
| Earnings coverage of net charge-offs (x) | 5.7025% | 2,841 |
| Efficiency ratio | 66.5800% | 4,434 |
| Assets per employee ($millions) | 3.2849% | 5,300 |
| Cash dividends to net income (ytd only)* | 32.4282% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 2,584 |
| Loan loss allowance to noncurrent loans | 585.7414% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 5,322 |
| Noncurrent loans to loans | 0.2993% | 5,556 |
| Net loans and leases to total assets | 66.5448% | 2,498 |
| Net loans and leases to deposits | 75.6476% | 2,929 |
| Net loans and leases to core deposits | 77.9184% | 3,302 |
| Total domestic deposits to total assets | 87.9668% | 2,269 |
| Equity capital to assets | 10.3669% | 3,472 |
| Core capital (leverage) ratio | 10.1133% | 3,347 |
| Tier 1 risk-based capital ratio | 13.0987% | 5,072 |
| Total risk-based capital ratio | 14.3524% | 5,014 |
| Memoranda: | ||
| Average total assets | $259,684,330 | 2,462 |
| Average earning assets | $235,486,000 | 2,493 |
| Average equity | $26,941,330 | 2,495 |
| Average total loans | $175,960,000 | 2,244 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 1,215 |
| Cost of funding earning assets | 0.5373% | 3,702 |
| Net interest margin | 4.3014% | 968 |
| Noninterest income to average assets | 1.1472% | 1,138 |
| Noninterest expense to average assets | 3.4784% | 1,661 |
| Loan and lease loss provision to assets | 0.2772% | 1,269 |
| Net operating income to assets | 0.9239% | 2,552 |
| Return on assets (ROA) | 0.9239% | 2,693 |
| Pretax return on assets | 1.2873% | 2,268 |
| Return on Equity (ROE) | 8.9019% | 2,525 |
| Retained earnings to average equity (ytd only) | 8.9019% | 1,410 |
| Net charge-offs to loans | 0.0136% | 3,874 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 169.3333% | 237 |
| Efficiency ratio | 67.2061% | 4,462 |
| Assets per employee ($millions) | 3.2445% | 5,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 2,395 |
| Loan loss allowance to noncurrent loans | 314.7826% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 4,950 |
| Noncurrent loans to loans | 0.5930% | 4,954 |
| Net loans and leases to total assets | 66.8282% | 2,222 |
| Net loans and leases to deposits | 76.2056% | 2,604 |
| Net loans and leases to core deposits | 78.2827% | 3,022 |
| Total domestic deposits to total assets | 87.6945% | 2,521 |
| Equity capital to assets | 10.6212% | 3,405 |
| Core capital (leverage) ratio | 9.9391% | 3,476 |
| Tier 1 risk-based capital ratio | 12.9804% | 5,233 |
| Total risk-based capital ratio | 14.2356% | 5,180 |
| Memoranda: | ||
| Average total assets | $259,772,500 | 2,493 |
| Average earning assets | $235,271,500 | 2,518 |
| Average equity | $26,960,500 | 2,527 |
| Average total loans | $176,055,000 | 2,259 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 1,257 |
| Cost of funding earning assets | 0.6645% | 3,789 |
| Net interest margin | 4.4589% | 1,024 |
| Noninterest income to average assets | 1.2154% | 1,058 |
| Noninterest expense to average assets | 3.5973% | 1,617 |
| Loan and lease loss provision to assets | 0.3641% | 1,811 |
| Net operating income to assets | 0.9188% | 2,721 |
| Return on assets (ROA) | 1.0060% | 2,530 |
| Pretax return on assets | 1.4094% | 2,014 |
| Return on Equity (ROE) | 9.8160% | 2,248 |
| Retained earnings to average equity (ytd only) | 6.3980% | 1,871 |
| Net charge-offs to loans | 0.1983% | 3,788 |
| Credit loss provision to net charge-offs | 268.1159% | 901 |
| Earnings coverage of net charge-offs (x) | 12.1565% | 1,960 |
| Efficiency ratio | 66.7992% | 4,362 |
| Assets per employee ($millions) | 3.3747% | 5,271 |
| Cash dividends to net income (ytd only)* | 34.8200% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 2,798 |
| Loan loss allowance to noncurrent loans | 505.5738% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.4160% | 5,448 |
| Noncurrent loans to loans | 0.3435% | 5,625 |
| Net loans and leases to total assets | 66.2832% | 2,480 |
| Net loans and leases to deposits | 75.0948% | 2,940 |
| Net loans and leases to core deposits | 76.9614% | 3,416 |
| Total domestic deposits to total assets | 88.2661% | 2,054 |
| Equity capital to assets | 10.1422% | 3,980 |
| Core capital (leverage) ratio | 9.8771% | 3,574 |
| Tier 1 risk-based capital ratio | 12.4779% | 5,495 |
| Total risk-based capital ratio | 13.7316% | 5,446 |
| Memoranda: | ||
| Average total assets | $254,076,400 | 2,497 |
| Average earning assets | $229,789,600 | 2,513 |
| Average equity | $26,039,200 | 2,566 |
| Average total loans | $173,942,800 | 2,270 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 1,251 |
| Cost of funding earning assets | 0.6948% | 3,818 |
| Net interest margin | 4.4783% | 1,032 |
| Noninterest income to average assets | 1.2253% | 992 |
| Noninterest expense to average assets | 3.5770% | 1,601 |
| Loan and lease loss provision to assets | 0.2859% | 2,284 |
| Net operating income to assets | 0.9995% | 2,504 |
| Return on assets (ROA) | 1.0781% | 2,378 |
| Pretax return on assets | 1.5245% | 1,792 |
| Return on Equity (ROE) | 10.4913% | 2,140 |
| Retained earnings to average equity (ytd only) | 7.8118% | 1,699 |
| Net charge-offs to loans | 0.1372% | 4,018 |
| Credit loss provision to net charge-offs | 303.3708% | 889 |
| Earnings coverage of net charge-offs (x) | 18.0335% | 1,589 |
| Efficiency ratio | 66.0311% | 4,450 |
| Assets per employee ($millions) | 3.2396% | 5,557 |
| Cash dividends to net income (ytd only)* | 25.5404% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 3,422 |
| Loan loss allowance to noncurrent loans | 898.4326% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 5,186 |
| Noncurrent loans to loans | 0.1812% | 6,156 |
| Net loans and leases to total assets | 69.4424% | 2,031 |
| Net loans and leases to deposits | 79.3572% | 2,492 |
| Net loans and leases to core deposits | 81.1646% | 3,069 |
| Total domestic deposits to total assets | 87.5061% | 2,343 |
| Equity capital to assets | 10.7072% | 3,601 |
| Core capital (leverage) ratio | 9.9910% | 3,561 |
| Tier 1 risk-based capital ratio | 12.5437% | 5,608 |
| Total risk-based capital ratio | 13.7962% | 5,570 |
| Memoranda: | ||
| Average total assets | $251,788,500 | 2,539 |
| Average earning assets | $227,788,750 | 2,554 |
| Average equity | $25,874,750 | 2,602 |
| Average total loans | $173,038,500 | 2,312 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1785% | 1,317 |
| Cost of funding earning assets | 0.7193% | 3,863 |
| Net interest margin | 4.4592% | 1,063 |
| Noninterest income to average assets | 1.2068% | 984 |
| Noninterest expense to average assets | 3.5270% | 1,728 |
| Loan and lease loss provision to assets | 0.2851% | 2,298 |
| Net operating income to assets | 1.0062% | 2,435 |
| Return on assets (ROA) | 1.1221% | 2,185 |
| Pretax return on assets | 1.5956% | 1,560 |
| Return on Equity (ROE) | 11.0718% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.7901% | 1,719 |
| Net charge-offs to loans | 0.1732% | 3,563 |
| Credit loss provision to net charge-offs | 241.6107% | 1,187 |
| Earnings coverage of net charge-offs (x) | 14.5369% | 1,710 |
| Efficiency ratio | 65.5287% | 4,616 |
| Assets per employee ($millions) | 3.3404% | 5,357 |
| Cash dividends to net income (ytd only)* | 29.6401% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 3,730 |
| Loan loss allowance to noncurrent loans | 881.4935% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.6039% | 5,261 |
| Noncurrent loans to loans | 0.1773% | 6,229 |
| Net loans and leases to total assets | 68.2592% | 2,245 |
| Net loans and leases to deposits | 77.7420% | 2,714 |
| Net loans and leases to core deposits | 79.2968% | 3,323 |
| Total domestic deposits to total assets | 87.8022% | 2,281 |
| Equity capital to assets | 10.4503% | 3,751 |
| Core capital (leverage) ratio | 9.6719% | 3,889 |
| Tier 1 risk-based capital ratio | 12.3522% | 5,679 |
| Total risk-based capital ratio | 13.6037% | 5,661 |
| Memoranda: | ||
| Average total assets | $252,568,000 | 2,521 |
| Average earning assets | $228,562,000 | 2,536 |
| Average equity | $25,596,670 | 2,615 |
| Average total loans | $172,021,330 | 2,329 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 1,516 |
| Cost of funding earning assets | 0.7392% | 3,951 |
| Net interest margin | 4.3850% | 1,261 |
| Noninterest income to average assets | 1.1941% | 1,004 |
| Noninterest expense to average assets | 3.5128% | 1,738 |
| Loan and lease loss provision to assets | 0.2839% | 2,192 |
| Net operating income to assets | 0.9937% | 2,504 |
| Return on assets (ROA) | 0.9937% | 2,697 |
| Pretax return on assets | 1.3833% | 2,238 |
| Return on Equity (ROE) | 9.9587% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.9587% | 1,278 |
| Net charge-offs to loans | 0.0304% | 4,263 |
| Credit loss provision to net charge-offs | 1,384.6154% | 251 |
| Earnings coverage of net charge-offs (x) | 81.3077% | 415 |
| Efficiency ratio | 66.0475% | 4,549 |
| Assets per employee ($millions) | 3.2909% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 3,873 |
| Loan loss allowance to noncurrent loans | 337.2475% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 5,016 |
| Noncurrent loans to loans | 0.4637% | 5,749 |
| Net loans and leases to total assets | 66.3435% | 2,401 |
| Net loans and leases to deposits | 75.2702% | 2,930 |
| Net loans and leases to core deposits | 76.8278% | 3,499 |
| Total domestic deposits to total assets | 88.1404% | 2,222 |
| Equity capital to assets | 10.0928% | 4,011 |
| Core capital (leverage) ratio | 9.4066% | 4,190 |
| Tier 1 risk-based capital ratio | 11.9862% | 5,971 |
| Total risk-based capital ratio | 13.2373% | 5,961 |
| Memoranda: | ||
| Average total assets | $253,587,500 | 2,533 |
| Average earning assets | $230,515,000 | 2,529 |
| Average equity | $25,304,500 | 2,640 |
| Average total loans | $171,170,000 | 2,344 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3180% | 1,649 |
| Cost of funding earning assets | 0.8704% | 4,323 |
| Net interest margin | 4.4476% | 1,269 |
| Noninterest income to average assets | 1.0719% | 1,163 |
| Noninterest expense to average assets | 3.6277% | 1,689 |
| Loan and lease loss provision to assets | 0.3467% | 2,926 |
| Net operating income to assets | 0.8538% | 2,802 |
| Return on assets (ROA) | 0.8773% | 2,839 |
| Pretax return on assets | 1.1454% | 2,671 |
| Return on Equity (ROE) | 8.7634% | 2,560 |
| Retained earnings to average equity (ytd only) | 4.1522% | 3,226 |
| Net charge-offs to loans | 0.4842% | 3,060 |
| Credit loss provision to net charge-offs | 103.4913% | 3,340 |
| Earnings coverage of net charge-offs (x) | 4.3628% | 3,143 |
| Efficiency ratio | 69.3507% | 4,082 |
| Assets per employee ($millions) | 3.2958% | 5,520 |
| Cash dividends to net income (ytd only)* | 52.6190% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 4,195 |
| Loan loss allowance to noncurrent loans | 629.1457% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,736 |
| Noncurrent loans to loans | 0.2320% | 6,275 |
| Net loans and leases to total assets | 66.6144% | 2,661 |
| Net loans and leases to deposits | 75.2499% | 3,306 |
| Net loans and leases to core deposits | 76.7933% | 3,860 |
| Total domestic deposits to total assets | 88.5242% | 1,841 |
| Equity capital to assets | 9.8646% | 4,350 |
| Core capital (leverage) ratio | 9.4870% | 4,047 |
| Tier 1 risk-based capital ratio | 11.7779% | 5,973 |
| Total risk-based capital ratio | 13.0279% | 5,960 |
| Memoranda: | ||
| Average total assets | $239,382,000 | 2,644 |
| Average earning assets | $216,229,800 | 2,655 |
| Average equity | $23,963,400 | 2,672 |
| Average total loans | $165,627,800 | 2,422 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3533% | 1,664 |
| Cost of funding earning assets | 0.8986% | 4,410 |
| Net interest margin | 4.4547% | 1,261 |
| Noninterest income to average assets | 1.0524% | 1,212 |
| Noninterest expense to average assets | 3.7095% | 1,479 |
| Loan and lease loss provision to assets | 0.2545% | 3,468 |
| Net operating income to assets | 0.8387% | 2,991 |
| Return on assets (ROA) | 0.8607% | 3,057 |
| Pretax return on assets | 1.1315% | 2,889 |
| Return on Equity (ROE) | 8.5639% | 2,795 |
| Retained earnings to average equity (ytd only) | 4.9684% | 3,190 |
| Net charge-offs to loans | 0.2551% | 3,840 |
| Credit loss provision to net charge-offs | 143.3121% | 2,215 |
| Earnings coverage of net charge-offs (x) | 7.6432% | 2,325 |
| Efficiency ratio | 71.2388% | 3,699 |
| Assets per employee ($millions) | 3.1372% | 5,823 |
| Cash dividends to net income (ytd only)* | 41.9843% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 3,837 |
| Loan loss allowance to noncurrent loans | 216.7635% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 4,923 |
| Noncurrent loans to loans | 0.7208% | 5,432 |
| Net loans and leases to total assets | 69.0157% | 2,270 |
| Net loans and leases to deposits | 78.6890% | 2,860 |
| Net loans and leases to core deposits | 80.4463% | 3,570 |
| Total domestic deposits to total assets | 87.7069% | 2,230 |
| Equity capital to assets | 10.3747% | 3,860 |
| Core capital (leverage) ratio | 9.7272% | 3,808 |
| Tier 1 risk-based capital ratio | 11.7848% | 6,046 |
| Total risk-based capital ratio | 13.0360% | 6,038 |
| Memoranda: | ||
| Average total assets | $235,783,250 | 2,684 |
| Average earning assets | $212,472,500 | 2,710 |
| Average equity | $23,695,750 | 2,704 |
| Average total loans | $164,145,750 | 2,454 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3333% | 1,773 |
| Cost of funding earning assets | 0.9201% | 4,522 |
| Net interest margin | 4.4132% | 1,331 |
| Noninterest income to average assets | 1.0566% | 1,174 |
| Noninterest expense to average assets | 3.7335% | 1,472 |
| Loan and lease loss provision to assets | 0.2554% | 3,356 |
| Net operating income to assets | 0.7869% | 3,132 |
| Return on assets (ROA) | 0.7876% | 3,256 |
| Pretax return on assets | 1.0379% | 3,085 |
| Return on Equity (ROE) | 7.9233% | 2,975 |
| Retained earnings to average equity (ytd only) | 5.0195% | 2,996 |
| Net charge-offs to loans | 0.2219% | 3,795 |
| Credit loss provision to net charge-offs | 165.7459% | 1,834 |
| Earnings coverage of net charge-offs (x) | 8.3867% | 2,068 |
| Efficiency ratio | 72.2853% | 3,678 |
| Assets per employee ($millions) | 3.1369% | 5,786 |
| Cash dividends to net income (ytd only)* | 36.6486% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 3,724 |
| Loan loss allowance to noncurrent loans | 204.8145% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 1.1234% | 4,650 |
| Noncurrent loans to loans | 0.7772% | 5,359 |
| Net loans and leases to total assets | 68.1879% | 2,583 |
| Net loans and leases to deposits | 77.5781% | 3,206 |
| Net loans and leases to core deposits | 79.2212% | 3,898 |
| Total domestic deposits to total assets | 87.8958% | 2,211 |
| Equity capital to assets | 10.2144% | 3,865 |
| Core capital (leverage) ratio | 9.5905% | 3,821 |
| Tier 1 risk-based capital ratio | 11.9717% | 5,808 |
| Total risk-based capital ratio | 13.2234% | 5,781 |
| Memoranda: | ||
| Average total assets | $234,902,000 | 2,704 |
| Average earning assets | $211,276,670 | 2,743 |
| Average equity | $23,349,000 | 2,722 |
| Average total loans | $163,139,670 | 2,492 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3225% | 1,801 |
| Cost of funding earning assets | 0.9500% | 4,564 |
| Net interest margin | 4.3725% | 1,357 |
| Noninterest income to average assets | 1.0821% | 1,123 |
| Noninterest expense to average assets | 3.7577% | 1,423 |
| Loan and lease loss provision to assets | 0.2556% | 3,097 |
| Net operating income to assets | 0.7673% | 3,187 |
| Return on assets (ROA) | 0.7686% | 3,250 |
| Pretax return on assets | 1.0003% | 3,128 |
| Return on Equity (ROE) | 7.8408% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.8408% | 1,796 |
| Net charge-offs to loans | 0.0294% | 4,685 |
| Credit loss provision to net charge-offs | 1,250.0000% | 315 |
| Earnings coverage of net charge-offs (x) | 61.3333% | 483 |
| Efficiency ratio | 72.9684% | 3,692 |
| Assets per employee ($millions) | 3.1912% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 3,658 |
| Loan loss allowance to noncurrent loans | 148.8889% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 4,419 |
| Noncurrent loans to loans | 1.0873% | 4,878 |
| Net loans and leases to total assets | 67.2421% | 2,704 |
| Net loans and leases to deposits | 76.2288% | 3,381 |
| Net loans and leases to core deposits | 77.7262% | 4,058 |
| Total domestic deposits to total assets | 88.2109% | 2,256 |
| Equity capital to assets | 9.9267% | 3,866 |
| Core capital (leverage) ratio | 9.3839% | 3,988 |
| Tier 1 risk-based capital ratio | 11.5903% | 6,033 |
| Total risk-based capital ratio | 12.8414% | 6,018 |
| Memoranda: | ||
| Average total assets | $234,720,000 | 2,730 |
| Average earning assets | $210,952,500 | 2,769 |
| Average equity | $23,008,000 | 2,743 |
| Average total loans | $163,200,500 | 2,517 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6864% | 1,622 |
| Cost of funding earning assets | 1.2566% | 4,169 |
| Net interest margin | 4.4298% | 1,398 |
| Noninterest income to average assets | 1.3738% | 773 |
| Noninterest expense to average assets | 3.8878% | 1,336 |
| Loan and lease loss provision to assets | 0.5666% | 2,861 |
| Net operating income to assets | 0.6387% | 3,493 |
| Return on assets (ROA) | 0.8377% | 2,781 |
| Pretax return on assets | 1.1622% | 2,355 |
| Return on Equity (ROE) | 8.3925% | 2,541 |
| Retained earnings to average equity (ytd only) | 5.4596% | 2,142 |
| Net charge-offs to loans | 0.6381% | 3,105 |
| Credit loss provision to net charge-offs | 125.3659% | 3,255 |
| Earnings coverage of net charge-offs (x) | 3.2137% | 3,472 |
| Efficiency ratio | 70.8471% | 4,009 |
| Assets per employee ($millions) | 2.9909% | 6,118 |
| Cash dividends to net income (ytd only)* | 34.9474% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 4,007 |
| Loan loss allowance to noncurrent loans | 133.9827% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 4,386 |
| Noncurrent loans to loans | 1.1200% | 4,868 |
| Net loans and leases to total assets | 69.6642% | 2,613 |
| Net loans and leases to deposits | 79.0720% | 3,329 |
| Net loans and leases to core deposits | 80.6938% | 4,106 |
| Total domestic deposits to total assets | 88.1023% | 2,189 |
| Equity capital to assets | 9.6764% | 4,176 |
| Core capital (leverage) ratio | 9.4417% | 3,779 |
| Tier 1 risk-based capital ratio | 10.9166% | 6,396 |
| Total risk-based capital ratio | 12.1557% | 6,379 |
| Memoranda: | ||
| Average total assets | $226,810,200 | 2,792 |
| Average earning assets | $203,081,400 | 2,833 |
| Average equity | $22,639,200 | 2,811 |
| Average total loans | $160,640,800 | 2,610 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7537% | 1,537 |
| Cost of funding earning assets | 1.3262% | 4,066 |
| Net interest margin | 4.4275% | 1,438 |
| Noninterest income to average assets | 1.1078% | 1,147 |
| Noninterest expense to average assets | 3.8876% | 1,219 |
| Loan and lease loss provision to assets | 0.4577% | 3,187 |
| Net operating income to assets | 0.5228% | 4,208 |
| Return on assets (ROA) | 0.7892% | 3,213 |
| Pretax return on assets | 1.0977% | 2,833 |
| Return on Equity (ROE) | 7.8449% | 2,974 |
| Retained earnings to average equity (ytd only) | 6.2912% | 2,207 |
| Net charge-offs to loans | 0.4504% | 3,500 |
| Credit loss provision to net charge-offs | 143.4137% | 2,741 |
| Earnings coverage of net charge-offs (x) | 3.7143% | 3,324 |
| Efficiency ratio | 74.5565% | 3,219 |
| Assets per employee ($millions) | 2.9273% | 6,314 |
| Cash dividends to net income (ytd only)* | 19.8049% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 3,953 |
| Loan loss allowance to noncurrent loans | 122.8686% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3402% | 4,484 |
| Noncurrent loans to loans | 1.2216% | 4,807 |
| Net loans and leases to total assets | 70.4134% | 2,635 |
| Net loans and leases to deposits | 80.1842% | 3,417 |
| Net loans and leases to core deposits | 82.1530% | 4,227 |
| Total domestic deposits to total assets | 87.8146% | 2,082 |
| Equity capital to assets | 10.2269% | 3,843 |
| Core capital (leverage) ratio | 9.6065% | 3,758 |
| Tier 1 risk-based capital ratio | 10.8355% | 6,520 |
| Total risk-based capital ratio | 12.0643% | 6,517 |
| Memoranda: | ||
| Average total assets | $225,190,500 | 2,846 |
| Average earning assets | $201,672,750 | 2,895 |
| Average equity | $22,655,500 | 2,849 |
| Average total loans | $159,552,250 | 2,666 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7771% | 1,491 |
| Cost of funding earning assets | 1.3982% | 3,885 |
| Net interest margin | 4.3789% | 1,510 |
| Noninterest income to average assets | 1.0600% | 1,194 |
| Noninterest expense to average assets | 3.8814% | 1,211 |
| Loan and lease loss provision to assets | 0.6246% | 2,295 |
| Net operating income to assets | 0.3607% | 4,929 |
| Return on assets (ROA) | 0.6157% | 3,945 |
| Pretax return on assets | 0.8102% | 3,845 |
| Return on Equity (ROE) | 6.1542% | 3,723 |
| Retained earnings to average equity (ytd only) | 3.7996% | 3,675 |
| Net charge-offs to loans | 0.4459% | 3,197 |
| Credit loss provision to net charge-offs | 198.3003% | 1,992 |
| Earnings coverage of net charge-offs (x) | 3.4901% | 3,300 |
| Efficiency ratio | 75.7972% | 3,106 |
| Assets per employee ($millions) | 2.9850% | 6,168 |
| Cash dividends to net income (ytd only)* | 38.2609% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 3,491 |
| Loan loss allowance to noncurrent loans | 108.3263% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.4339% | 4,322 |
| Noncurrent loans to loans | 1.4676% | 4,508 |
| Net loans and leases to total assets | 70.8686% | 2,698 |
| Net loans and leases to deposits | 80.7253% | 3,477 |
| Net loans and leases to core deposits | 83.0711% | 4,274 |
| Total domestic deposits to total assets | 87.7899% | 2,113 |
| Equity capital to assets | 10.0352% | 3,978 |
| Core capital (leverage) ratio | 9.3835% | 3,987 |
| Tier 1 risk-based capital ratio | 10.7077% | 6,521 |
| Total risk-based capital ratio | 11.9584% | 6,511 |
| Memoranda: | ||
| Average total assets | $224,144,000 | 2,880 |
| Average earning assets | $200,689,670 | 2,942 |
| Average equity | $22,423,670 | 2,873 |
| Average total loans | $158,328,000 | 2,717 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8284% | 1,377 |
| Cost of funding earning assets | 1.5001% | 3,556 |
| Net interest margin | 4.3284% | 1,605 |
| Noninterest income to average assets | 0.9381% | 1,490 |
| Noninterest expense to average assets | 3.8488% | 1,248 |
| Loan and lease loss provision to assets | 0.1873% | 4,635 |
| Net operating income to assets | 0.5716% | 4,025 |
| Return on assets (ROA) | 0.7080% | 3,513 |
| Pretax return on assets | 0.9488% | 3,268 |
| Return on Equity (ROE) | 7.0885% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.0885% | 2,101 |
| Net charge-offs to loans | 0.2728% | 3,320 |
| Credit loss provision to net charge-offs | 98.1308% | 3,488 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,492 |
| Efficiency ratio | 77.9428% | 2,910 |
| Assets per employee ($millions) | 3.0439% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 4,383 |
| Loan loss allowance to noncurrent loans | 100.6821% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.5589% | 4,166 |
| Noncurrent loans to loans | 1.3986% | 4,635 |
| Net loans and leases to total assets | 69.7626% | 2,994 |
| Net loans and leases to deposits | 79.3580% | 3,771 |
| Net loans and leases to core deposits | 81.5352% | 4,553 |
| Total domestic deposits to total assets | 87.9086% | 2,112 |
| Equity capital to assets | 10.1981% | 3,612 |
| Core capital (leverage) ratio | 9.3854% | 3,927 |
| Tier 1 risk-based capital ratio | 9.9286% | 7,082 |
| Total risk-based capital ratio | 10.9850% | 7,187 |
| Memoranda: | ||
| Average total assets | $224,280,000 | 2,936 |
| Average earning assets | $200,259,500 | 2,995 |
| Average equity | $22,402,500 | 2,890 |
| Average total loans | $156,883,000 | 2,797 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0169% | 1,801 |
| Cost of funding earning assets | 1.9169% | 3,368 |
| Net interest margin | 4.1000% | 2,446 |
| Noninterest income to average assets | 1.5998% | 561 |
| Noninterest expense to average assets | 3.9450% | 1,446 |
| Loan and lease loss provision to assets | 0.4121% | 4,338 |
| Net operating income to assets | 0.6550% | 3,118 |
| Return on assets (ROA) | 0.6891% | 3,044 |
| Pretax return on assets | 0.9492% | 2,764 |
| Return on Equity (ROE) | 6.8604% | 2,841 |
| Retained earnings to average equity (ytd only) | 1.5863% | 3,970 |
| Net charge-offs to loans | 0.6101% | 3,388 |
| Credit loss provision to net charge-offs | 92.5926% | 5,911 |
| Earnings coverage of net charge-offs (x) | 2.9537% | 3,602 |
| Efficiency ratio | 72.9520% | 4,105 |
| Assets per employee ($millions) | 2.9783% | 6,273 |
| Cash dividends to net income (ytd only)* | 76.8771% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,145 |
| Loan loss allowance to noncurrent loans | 115.6576% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 3,926 |
| Noncurrent loans to loans | 1.2240% | 4,903 |
| Net loans and leases to total assets | 68.1761% | 3,664 |
| Net loans and leases to deposits | 76.8332% | 4,600 |
| Net loans and leases to core deposits | 86.4193% | 5,482 |
| Total domestic deposits to total assets | 88.7326% | 1,610 |
| Equity capital to assets | 9.7830% | 4,028 |
| Core capital (leverage) ratio | 9.2016% | 4,117 |
| Tier 1 risk-based capital ratio | 9.6209% | 7,142 |
| Total risk-based capital ratio | 10.6689% | 7,250 |
| Memoranda: | ||
| Average total assets | $218,405,400 | 2,964 |
| Average earning assets | $194,951,800 | 3,037 |
| Average equity | $21,937,400 | 2,951 |
| Average total loans | $159,317,400 | 2,771 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0379% | 1,887 |
| Cost of funding earning assets | 1.9890% | 3,415 |
| Net interest margin | 4.0489% | 2,602 |
| Noninterest income to average assets | 1.7195% | 497 |
| Noninterest expense to average assets | 4.0045% | 1,269 |
| Loan and lease loss provision to assets | 0.3388% | 4,302 |
| Net operating income to assets | 0.7145% | 3,157 |
| Return on assets (ROA) | 0.7159% | 3,220 |
| Pretax return on assets | 0.9987% | 2,909 |
| Return on Equity (ROE) | 7.0790% | 3,037 |
| Retained earnings to average equity (ytd only) | 1.5778% | 4,432 |
| Net charge-offs to loans | 0.4425% | 3,468 |
| Credit loss provision to net charge-offs | 103.5782% | 4,915 |
| Earnings coverage of net charge-offs (x) | 4.0829% | 3,269 |
| Efficiency ratio | 72.9465% | 4,062 |
| Assets per employee ($millions) | 2.9497% | 6,281 |
| Cash dividends to net income (ytd only)* | 77.7111% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 3,606 |
| Loan loss allowance to noncurrent loans | 63.2922% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.8524% | 3,581 |
| Noncurrent loans to loans | 2.3201% | 3,239 |
| Net loans and leases to total assets | 69.9720% | 3,523 |
| Net loans and leases to deposits | 79.7941% | 4,418 |
| Net loans and leases to core deposits | 89.9785% | 5,434 |
| Total domestic deposits to total assets | 87.6906% | 1,807 |
| Equity capital to assets | 10.0782% | 3,984 |
| Core capital (leverage) ratio | 9.2582% | 4,251 |
| Tier 1 risk-based capital ratio | 9.6112% | 7,299 |
| Total risk-based capital ratio | 10.7088% | 7,366 |
| Memoranda: | ||
| Average total assets | $216,418,750 | 3,004 |
| Average earning assets | $193,526,750 | 3,073 |
| Average equity | $21,885,750 | 2,988 |
| Average total loans | $160,013,250 | 2,791 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1105% | 1,758 |
| Cost of funding earning assets | 2.0623% | 3,463 |
| Net interest margin | 4.0482% | 2,510 |
| Noninterest income to average assets | 2.0688% | 348 |
| Noninterest expense to average assets | 4.0695% | 1,230 |
| Loan and lease loss provision to assets | 0.4422% | 3,338 |
| Net operating income to assets | 0.8080% | 2,824 |
| Return on assets (ROA) | 0.8100% | 2,913 |
| Pretax return on assets | 1.1638% | 2,414 |
| Return on Equity (ROE) | 8.0004% | 2,768 |
| Retained earnings to average equity (ytd only) | 1.9955% | 4,232 |
| Net charge-offs to loans | 0.5789% | 2,595 |
| Credit loss provision to net charge-offs | 101.9313% | 4,489 |
| Earnings coverage of net charge-offs (x) | 3.6953% | 3,333 |
| Efficiency ratio | 69.8014% | 4,820 |
| Assets per employee ($millions) | 2.8804% | 6,445 |
| Cash dividends to net income (ytd only)* | 75.0575% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 3,523 |
| Loan loss allowance to noncurrent loans | 150.8207% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 4,745 |
| Noncurrent loans to loans | 0.9546% | 5,315 |
| Net loans and leases to total assets | 71.8324% | 3,268 |
| Net loans and leases to deposits | 81.9646% | 4,230 |
| Net loans and leases to core deposits | 92.3002% | 5,314 |
| Total domestic deposits to total assets | 87.6384% | 1,952 |
| Equity capital to assets | 9.9684% | 3,987 |
| Core capital (leverage) ratio | 9.2013% | 4,306 |
| Tier 1 risk-based capital ratio | 9.4750% | 7,409 |
| Total risk-based capital ratio | 10.5575% | 7,519 |
| Memoranda: | ||
| Average total assets | $214,815,000 | 3,044 |
| Average earning assets | $191,244,670 | 3,125 |
| Average equity | $21,749,000 | 3,003 |
| Average total loans | $160,982,330 | 2,799 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1315% | 1,825 |
| Cost of funding earning assets | 2.1074% | 3,617 |
| Net interest margin | 4.0241% | 2,559 |
| Noninterest income to average assets | 1.8236% | 414 |
| Noninterest expense to average assets | 4.0307% | 1,152 |
| Loan and lease loss provision to assets | 0.1410% | 5,138 |
| Net operating income to assets | 0.8310% | 2,989 |
| Return on assets (ROA) | 0.8310% | 3,138 |
| Pretax return on assets | 1.2201% | 2,553 |
| Return on Equity (ROE) | 8.1428% | 3,076 |
| Retained earnings to average equity (ytd only) | 0.7737% | 5,353 |
| Net charge-offs to loans | 0.2276% | 3,279 |
| Credit loss provision to net charge-offs | 81.5217% | 4,170 |
| Earnings coverage of net charge-offs (x) | 7.8696% | 2,283 |
| Efficiency ratio | 72.7336% | 4,054 |
| Assets per employee ($millions) | 2.8175% | 6,598 |
| Cash dividends to net income (ytd only)* | 90.4977% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 3,419 |
| Loan loss allowance to noncurrent loans | 152.4161% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 4,448 |
| Noncurrent loans to loans | 0.9283% | 5,144 |
| Net loans and leases to total assets | 72.9409% | 3,018 |
| Net loans and leases to deposits | 82.5075% | 4,206 |
| Net loans and leases to core deposits | 92.9951% | 5,260 |
| Total domestic deposits to total assets | 88.4052% | 1,522 |
| Equity capital to assets | 10.0442% | 3,953 |
| Core capital (leverage) ratio | 9.4906% | 4,000 |
| Tier 1 risk-based capital ratio | 9.5292% | 7,402 |
| Total risk-based capital ratio | 10.6156% | 7,494 |
| Memoranda: | ||
| Average total assets | $212,767,000 | 3,088 |
| Average earning assets | $188,665,000 | 3,174 |
| Average equity | $21,712,500 | 3,017 |
| Average total loans | $161,700,500 | 2,818 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7571% | 1,839 |
| Cost of funding earning assets | 2.7005% | 3,153 |
| Net interest margin | 4.0566% | 2,887 |
| Noninterest income to average assets | 1.4699% | 655 |
| Noninterest expense to average assets | 4.0141% | 1,398 |
| Loan and lease loss provision to assets | 0.1644% | 5,282 |
| Net operating income to assets | 0.7201% | 3,804 |
| Return on assets (ROA) | 0.7201% | 3,636 |
| Pretax return on assets | 0.8742% | 3,814 |
| Return on Equity (ROE) | 6.9955% | 3,533 |
| Retained earnings to average equity (ytd only) | 4.5879% | 2,274 |
| Net charge-offs to loans | 0.2076% | 4,124 |
| Credit loss provision to net charge-offs | 101.5060% | 5,241 |
| Earnings coverage of net charge-offs (x) | 6.4127% | 3,364 |
| Efficiency ratio | 77.1845% | 3,052 |
| Assets per employee ($millions) | 2.8187% | 6,518 |
| Cash dividends to net income (ytd only)* | 34.4173% | 3,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 3,170 |
| Loan loss allowance to noncurrent loans | 130.7429% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 1.4086% | 3,381 |
| Noncurrent loans to loans | 1.0744% | 4,416 |
| Net loans and leases to total assets | 76.9938% | 2,380 |
| Net loans and leases to deposits | 87.5808% | 3,854 |
| Net loans and leases to core deposits | 97.8939% | 5,051 |
| Total domestic deposits to total assets | 87.9118% | 1,504 |
| Equity capital to assets | 10.3719% | 3,641 |
| Core capital (leverage) ratio | 9.7456% | 3,720 |
| Tier 1 risk-based capital ratio | 9.7632% | 6,999 |
| Total risk-based capital ratio | 10.8841% | 7,057 |
| Memoranda: | ||
| Average total assets | $204,978,600 | 3,070 |
| Average earning assets | $181,039,000 | 3,172 |
| Average equity | $21,099,200 | 3,085 |
| Average total loans | $159,933,200 | 2,770 |