Home > City Bank & Trust Co. > Performance and Condition Ratios
City Bank & Trust Co., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 2,152 |
| Cost of funding earning assets | 1.0496% | 3,195 |
| Net interest margin | 3.9107% | 1,354 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.5255% | 2,233 |
| Loan and lease loss provision to assets | 0.3900% | 250 |
| Net operating income to assets | 0.9064% | 2,531 |
| Return on assets (ROA) | 0.9064% | 2,502 |
| Pretax return on assets | 1.1955% | 2,149 |
| Return on Equity (ROE) | 9.3000% | 2,685 |
| Retained earnings to average equity (ytd only) | 9.2316% | 1,201 |
| Net charge-offs to loans | 0.2799% | 382 |
| Credit loss provision to net charge-offs | 157.8591% | 1,425 |
| Earnings coverage of net charge-offs (x) | 6.4201% | 2,469 |
| Efficiency ratio | 61.4358% | 2,913 |
| Assets per employee ($millions) | 7.2569% | 1,895 |
| Cash dividends to net income (ytd only)* | 0.7383% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,076 |
| Loan loss allowance to noncurrent loans | 579.0554% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 821 |
| Noncurrent loans to loans | 0.1811% | 2,609 |
| Net loans and leases to total assets | 87.3200% | 106 |
| Net loans and leases to deposits | 107.0919% | 257 |
| Net loans and leases to core deposits | 133.5124% | 351 |
| Total domestic deposits to total assets | 81.5400% | 3,216 |
| Equity capital to assets | 10.0765% | 1,960 |
| Core capital (leverage) ratio | 10.2888% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $298,866,000 | 2,433 |
| Average earning assets | $288,487,600 | 2,359 |
| Average equity | $29,128,200 | 2,309 |
| Average total loans | $263,703,800 | 1,942 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 2,164 |
| Cost of funding earning assets | 0.8994% | 3,275 |
| Net interest margin | 3.9501% | 1,303 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.5950% | 1,960 |
| Loan and lease loss provision to assets | 0.4000% | 207 |
| Net operating income to assets | 0.8886% | 2,727 |
| Return on assets (ROA) | 0.8886% | 2,710 |
| Pretax return on assets | 1.1720% | 2,363 |
| Return on Equity (ROE) | 9.2000% | 2,871 |
| Retained earnings to average equity (ytd only) | 9.1045% | 1,652 |
| Net charge-offs to loans | 0.1707% | 503 |
| Credit loss provision to net charge-offs | 263.0952% | 959 |
| Earnings coverage of net charge-offs (x) | 10.4107% | 2,125 |
| Efficiency ratio | 62.3304% | 2,678 |
| Assets per employee ($millions) | 6.9820% | 1,971 |
| Cash dividends to net income (ytd only)* | 1.0091% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 2,876 |
| Loan loss allowance to noncurrent loans | 310.5597% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 680 |
| Noncurrent loans to loans | 0.3534% | 1,958 |
| Net loans and leases to total assets | 88.2700% | 69 |
| Net loans and leases to deposits | 105.8823% | 293 |
| Net loans and leases to core deposits | 125.0179% | 431 |
| Total domestic deposits to total assets | 83.3600% | 2,943 |
| Equity capital to assets | 9.9358% | 1,862 |
| Core capital (leverage) ratio | 10.0974% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $297,385,750 | 2,441 |
| Average earning assets | $287,884,750 | 2,370 |
| Average equity | $28,732,250 | 2,308 |
| Average total loans | $262,387,500 | 1,950 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7138% | 2,182 |
| Cost of funding earning assets | 0.6682% | 3,575 |
| Net interest margin | 4.0456% | 1,163 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.5789% | 1,982 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 1.1342% | 2,022 |
| Return on assets (ROA) | 1.1342% | 2,018 |
| Pretax return on assets | 1.4689% | 1,654 |
| Return on Equity (ROE) | 11.4600% | 2,308 |
| Retained earnings to average equity (ytd only) | 11.3270% | 1,120 |
| Net charge-offs to loans | 0.2584% | 323 |
| Credit loss provision to net charge-offs | 103.8576% | 1,414 |
| Earnings coverage of net charge-offs (x) | 7.5252% | 2,083 |
| Efficiency ratio | 60.2134% | 2,933 |
| Assets per employee ($millions) | 6.9587% | 1,955 |
| Cash dividends to net income (ytd only)* | 1.1848% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,134 |
| Loan loss allowance to noncurrent loans | 1,114.6199% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 689 |
| Noncurrent loans to loans | 0.0655% | 3,233 |
| Net loans and leases to total assets | 88.7100% | 66 |
| Net loans and leases to deposits | 106.7498% | 284 |
| Net loans and leases to core deposits | 125.8351% | 390 |
| Total domestic deposits to total assets | 83.1000% | 3,023 |
| Equity capital to assets | 10.3632% | 1,648 |
| Core capital (leverage) ratio | 10.3023% | 2,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $297,647,000 | 2,450 |
| Average earning assets | $289,151,667 | 2,377 |
| Average equity | $29,451,667 | 2,285 |
| Average total loans | $260,870,333 | 1,952 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 2,167 |
| Cost of funding earning assets | 0.4669% | 3,786 |
| Net interest margin | 4.0931% | 1,106 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.4919% | 2,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3531% | 1,537 |
| Return on assets (ROA) | 1.3531% | 1,508 |
| Pretax return on assets | 1.7620% | 1,145 |
| Return on Equity (ROE) | 14.0000% | 1,771 |
| Retained earnings to average equity (ytd only) | 13.7221% | 976 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.5786% | 3,122 |
| Assets per employee ($millions) | 6.9535% | 2,010 |
| Cash dividends to net income (ytd only)* | 1.9685% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 4,213 |
| Loan loss allowance to noncurrent loans | 86.7155% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 666 |
| Noncurrent loans to loans | 0.8340% | 919 |
| Net loans and leases to total assets | 86.9100% | 109 |
| Net loans and leases to deposits | 96.8113% | 611 |
| Net loans and leases to core deposits | 98.8162% | 1,136 |
| Total domestic deposits to total assets | 89.7700% | 1,245 |
| Equity capital to assets | 9.8907% | 1,875 |
| Core capital (leverage) ratio | 9.8732% | 2,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $300,338,500 | 2,468 |
| Average earning assets | $292,979,000 | 2,385 |
| Average equity | $29,033,500 | 2,330 |
| Average total loans | $260,714,000 | 1,969 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 2,309 |
| Cost of funding earning assets | 0.3165% | 2,747 |
| Net interest margin | 3.4731% | 2,018 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.6162% | 1,786 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.7717% | 3,420 |
| Return on assets (ROA) | 0.7717% | 3,362 |
| Pretax return on assets | 1.0219% | 3,011 |
| Return on Equity (ROE) | 8.2600% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.9728% | 1,842 |
| Net charge-offs to loans | -0.0013% | 3,388 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.4917% | 1,903 |
| Assets per employee ($millions) | 7.0158% | 1,965 |
| Cash dividends to net income (ytd only)* | 3.4327% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9198% | 3,698 |
| Loan loss allowance to noncurrent loans | 1,161.6505% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,110 |
| Noncurrent loans to loans | 0.0792% | 3,192 |
| Net loans and leases to total assets | 85.4500% | 187 |
| Net loans and leases to deposits | 94.7297% | 732 |
| Net loans and leases to core deposits | 95.9854% | 1,208 |
| Total domestic deposits to total assets | 90.2000% | 1,272 |
| Equity capital to assets | 9.4452% | 2,052 |
| Core capital (leverage) ratio | 9.8117% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $286,903,600 | 2,518 |
| Average earning assets | $278,048,400 | 2,451 |
| Average equity | $26,816,200 | 2,490 |
| Average total loans | $224,476,200 | 2,083 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5454% | 2,477 |
| Cost of funding earning assets | 0.2998% | 2,171 |
| Net interest margin | 3.2456% | 2,474 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.6142% | 1,684 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.6614% | 3,661 |
| Return on assets (ROA) | 0.6614% | 3,625 |
| Pretax return on assets | 0.8733% | 3,406 |
| Return on Equity (ROE) | 7.1000% | 3,571 |
| Retained earnings to average equity (ytd only) | 7.0967% | 2,331 |
| Net charge-offs to loans | -0.0019% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.4084% | 1,462 |
| Assets per employee ($millions) | 6.8569% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 3,855 |
| Loan loss allowance to noncurrent loans | 545.5243% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 2,654 |
| Noncurrent loans to loans | 0.1650% | 2,772 |
| Net loans and leases to total assets | 81.5500% | 405 |
| Net loans and leases to deposits | 90.5439% | 858 |
| Net loans and leases to core deposits | 91.9465% | 1,183 |
| Total domestic deposits to total assets | 90.0700% | 1,627 |
| Equity capital to assets | 9.6222% | 1,815 |
| Core capital (leverage) ratio | 9.9053% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $283,210,000 | 2,557 |
| Average earning assets | $273,923,500 | 2,488 |
| Average equity | $26,396,750 | 2,547 |
| Average total loans | $215,550,750 | 2,133 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 2,311 |
| Cost of funding earning assets | 0.2854% | 1,845 |
| Net interest margin | 3.1597% | 2,331 |
| Noninterest income to average assets | 0.4119% | 2,679 |
| Noninterest expense to average assets | 2.6241% | 1,569 |
| Loan and lease loss provision to assets | 0.0746% | 1,290 |
| Net operating income to assets | 0.5724% | 3,700 |
| Return on assets (ROA) | 0.5724% | 3,650 |
| Pretax return on assets | 0.7563% | 3,436 |
| Return on Equity (ROE) | 6.2099% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.2099% | 2,272 |
| Net charge-offs to loans | -0.0019% | 3,126 |
| Credit loss provision to net charge-offs | -5,250.0000% | 3,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9507% | 1,292 |
| Assets per employee ($millions) | 6.1791% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 3,984 |
| Loan loss allowance to noncurrent loans | 705.7143% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 2,992 |
| Noncurrent loans to loans | 0.1260% | 3,089 |
| Net loans and leases to total assets | 81.0309% | 341 |
| Net loans and leases to deposits | 90.2601% | 702 |
| Net loans and leases to core deposits | 91.6510% | 1,034 |
| Total domestic deposits to total assets | 89.7749% | 1,808 |
| Equity capital to assets | 10.0250% | 1,706 |
| Core capital (leverage) ratio | 9.0910% | 3,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,616,333 | 2,576 |
| Average earning assets | $271,229,000 | 2,531 |
| Average equity | $25,958,667 | 2,632 |
| Average total loans | $208,403,667 | 2,177 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2537% | 2,520 |
| Cost of funding earning assets | 0.2784% | 1,837 |
| Net interest margin | 2.9753% | 2,583 |
| Noninterest income to average assets | 0.4217% | 2,546 |
| Noninterest expense to average assets | 2.5900% | 1,640 |
| Loan and lease loss provision to assets | 0.1466% | 543 |
| Net operating income to assets | 0.4035% | 3,943 |
| Return on assets (ROA) | 0.4035% | 3,907 |
| Pretax return on assets | 0.5348% | 3,798 |
| Return on Equity (ROE) | 4.5674% | 3,737 |
| Retained earnings to average equity (ytd only) | 4.5674% | 2,749 |
| Net charge-offs to loans | -0.0040% | 3,273 |
| Credit loss provision to net charge-offs | -5,250.0000% | 3,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1720% | 1,214 |
| Assets per employee ($millions) | 6.8999% | 2,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 3,830 |
| Loan loss allowance to noncurrent loans | 983.0846% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 3,400 |
| Noncurrent loans to loans | 0.0988% | 3,350 |
| Net loans and leases to total assets | 66.3557% | 1,380 |
| Net loans and leases to deposits | 72.5344% | 1,742 |
| Net loans and leases to core deposits | 73.5683% | 1,970 |
| Total domestic deposits to total assets | 91.4817% | 811 |
| Equity capital to assets | 8.3572% | 3,278 |
| Core capital (leverage) ratio | 9.0315% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,485,000 | 2,573 |
| Average earning assets | $274,393,500 | 2,525 |
| Average equity | $25,310,000 | 2,751 |
| Average total loans | $201,464,500 | 2,220 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 2,467 |
| Cost of funding earning assets | 0.4345% | 1,291 |
| Net interest margin | 3.1351% | 2,785 |
| Noninterest income to average assets | 0.5415% | 2,392 |
| Noninterest expense to average assets | 2.6669% | 1,720 |
| Loan and lease loss provision to assets | 0.0795% | 1,543 |
| Net operating income to assets | 0.6353% | 3,792 |
| Return on assets (ROA) | 0.6353% | 3,844 |
| Pretax return on assets | 0.8378% | 3,650 |
| Return on Equity (ROE) | 6.5747% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.5747% | 2,094 |
| Net charge-offs to loans | -0.0027% | 3,417 |
| Credit loss provision to net charge-offs | -4,020.0000% | 4,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4068% | 1,260 |
| Assets per employee ($millions) | 6.5701% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,972 |
| Loan loss allowance to noncurrent loans | 10,383.3333% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,101 |
| Noncurrent loans to loans | 0.0090% | 4,035 |
| Net loans and leases to total assets | 73.3666% | 719 |
| Net loans and leases to deposits | 81.2401% | 1,120 |
| Net loans and leases to core deposits | 82.7560% | 1,402 |
| Total domestic deposits to total assets | 90.3083% | 805 |
| Equity capital to assets | 9.3728% | 3,252 |
| Core capital (leverage) ratio | 9.1854% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,798,400 | 2,706 |
| Average earning assets | $245,350,000 | 2,649 |
| Average equity | $24,427,000 | 2,885 |
| Average total loans | $187,328,200 | 2,326 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 2,632 |
| Cost of funding earning assets | 0.4607% | 1,283 |
| Net interest margin | 3.1112% | 3,024 |
| Noninterest income to average assets | 0.5089% | 2,582 |
| Noninterest expense to average assets | 2.6355% | 1,739 |
| Loan and lease loss provision to assets | 0.1078% | 1,118 |
| Net operating income to assets | 0.5914% | 4,017 |
| Return on assets (ROA) | 0.5914% | 4,065 |
| Pretax return on assets | 0.7818% | 3,925 |
| Return on Equity (ROE) | 6.0715% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.0715% | 2,786 |
| Net charge-offs to loans | -0.0029% | 3,291 |
| Credit loss provision to net charge-offs | -5,025.0000% | 4,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7642% | 1,152 |
| Assets per employee ($millions) | 6.6109% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 4,025 |
| Loan loss allowance to noncurrent loans | 2,830.3030% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 4,014 |
| Noncurrent loans to loans | 0.0333% | 3,967 |
| Net loans and leases to total assets | 72.3551% | 841 |
| Net loans and leases to deposits | 79.8960% | 1,303 |
| Net loans and leases to core deposits | 81.1936% | 1,639 |
| Total domestic deposits to total assets | 90.5617% | 528 |
| Equity capital to assets | 9.1472% | 3,700 |
| Core capital (leverage) ratio | 9.4961% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,654,000 | 2,755 |
| Average earning assets | $241,057,000 | 2,695 |
| Average equity | $24,221,750 | 2,926 |
| Average total loans | $184,285,000 | 2,391 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 2,853 |
| Cost of funding earning assets | 0.4972% | 1,219 |
| Net interest margin | 3.0167% | 3,280 |
| Noninterest income to average assets | 0.3806% | 3,210 |
| Noninterest expense to average assets | 2.6187% | 1,809 |
| Loan and lease loss provision to assets | 0.0207% | 2,553 |
| Net operating income to assets | 0.4975% | 4,222 |
| Return on assets (ROA) | 0.4975% | 4,266 |
| Pretax return on assets | 0.6592% | 4,145 |
| Return on Equity (ROE) | 4.9935% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.9935% | 3,186 |
| Net charge-offs to loans | -0.0033% | 3,318 |
| Credit loss provision to net charge-offs | -833.3333% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3866% | 824 |
| Assets per employee ($millions) | 6.6260% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 4,220 |
| Loan loss allowance to noncurrent loans | 5,284.3750% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 4,217 |
| Noncurrent loans to loans | 0.0166% | 4,142 |
| Net loans and leases to total assets | 72.2113% | 938 |
| Net loans and leases to deposits | 79.7035% | 1,454 |
| Net loans and leases to core deposits | 81.0249% | 1,798 |
| Total domestic deposits to total assets | 90.5999% | 517 |
| Equity capital to assets | 9.1685% | 3,634 |
| Core capital (leverage) ratio | 10.0723% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,190,333 | 2,803 |
| Average earning assets | $233,301,667 | 2,735 |
| Average equity | $24,031,333 | 2,934 |
| Average total loans | $179,719,000 | 2,436 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6483% | 2,503 |
| Cost of funding earning assets | 0.5606% | 1,045 |
| Net interest margin | 3.0877% | 3,032 |
| Noninterest income to average assets | 0.3001% | 3,612 |
| Noninterest expense to average assets | 2.5246% | 2,107 |
| Loan and lease loss provision to assets | 0.0436% | 2,195 |
| Net operating income to assets | 0.5409% | 4,092 |
| Return on assets (ROA) | 0.5409% | 4,133 |
| Pretax return on assets | 0.7206% | 3,976 |
| Return on Equity (ROE) | 5.1889% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.1889% | 3,169 |
| Net charge-offs to loans | -0.0046% | 3,367 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7639% | 1,059 |
| Assets per employee ($millions) | 6.4934% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,964 |
| Loan loss allowance to noncurrent loans | 21,125.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,377 |
| Noncurrent loans to loans | 0.0046% | 4,309 |
| Net loans and leases to total assets | 75.8853% | 637 |
| Net loans and leases to deposits | 85.1846% | 1,029 |
| Net loans and leases to core deposits | 87.1148% | 1,442 |
| Total domestic deposits to total assets | 89.0834% | 1,299 |
| Equity capital to assets | 10.5752% | 2,191 |
| Core capital (leverage) ratio | 10.4496% | 2,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,266,000 | 2,871 |
| Average earning assets | $221,910,500 | 2,800 |
| Average equity | $23,897,000 | 2,938 |
| Average total loans | $173,039,000 | 2,490 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8913% | 3,051 |
| Cost of funding earning assets | 0.8556% | 998 |
| Net interest margin | 3.0357% | 3,811 |
| Noninterest income to average assets | 0.3098% | 3,632 |
| Noninterest expense to average assets | 2.6966% | 2,248 |
| Loan and lease loss provision to assets | 0.1723% | 2,235 |
| Net operating income to assets | 0.2824% | 4,459 |
| Return on assets (ROA) | 0.2824% | 4,521 |
| Pretax return on assets | 0.3744% | 4,453 |
| Return on Equity (ROE) | 2.5543% | 4,470 |
| Retained earnings to average equity (ytd only) | 2.5543% | 3,572 |
| Net charge-offs to loans | 0.0077% | 3,059 |
| Credit loss provision to net charge-offs | 3,041.6667% | 325 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 802 |
| Efficiency ratio | 83.1417% | 684 |
| Assets per employee ($millions) | 6.8019% | 1,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,981 |
| Loan loss allowance to noncurrent loans | 23,757.1429% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,457 |
| Noncurrent loans to loans | 0.0041% | 4,390 |
| Net loans and leases to total assets | 73.6224% | 1,074 |
| Net loans and leases to deposits | 82.4418% | 1,610 |
| Net loans and leases to core deposits | 86.5188% | 1,825 |
| Total domestic deposits to total assets | 89.3023% | 856 |
| Equity capital to assets | 10.2740% | 2,858 |
| Core capital (leverage) ratio | 10.6296% | 2,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,783,200 | 2,847 |
| Average earning assets | $204,661,600 | 2,789 |
| Average equity | $23,411,200 | 2,913 |
| Average total loans | $156,364,200 | 2,601 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 3,298 |
| Cost of funding earning assets | 0.8906% | 1,098 |
| Net interest margin | 2.9952% | 3,990 |
| Noninterest income to average assets | 0.3132% | 3,612 |
| Noninterest expense to average assets | 2.7715% | 2,053 |
| Loan and lease loss provision to assets | 0.2344% | 1,740 |
| Net operating income to assets | 0.0921% | 4,712 |
| Return on assets (ROA) | 0.0921% | 4,735 |
| Pretax return on assets | 0.2004% | 4,659 |
| Return on Equity (ROE) | 0.8174% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.8174% | 4,307 |
| Net charge-offs to loans | 0.0105% | 2,730 |
| Credit loss provision to net charge-offs | 3,033.3333% | 347 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 1,128 |
| Efficiency ratio | 86.4349% | 480 |
| Assets per employee ($millions) | 5.9044% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 3,894 |
| Loan loss allowance to noncurrent loans | 33,240.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 4,523 |
| Noncurrent loans to loans | 0.0029% | 4,450 |
| Net loans and leases to total assets | 81.6835% | 457 |
| Net loans and leases to deposits | 92.2467% | 1,053 |
| Net loans and leases to core deposits | 95.4387% | 1,509 |
| Total domestic deposits to total assets | 88.5490% | 955 |
| Equity capital to assets | 10.9994% | 2,399 |
| Core capital (leverage) ratio | 10.6316% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,913,000 | 2,866 |
| Average earning assets | $199,870,500 | 2,809 |
| Average equity | $23,324,000 | 2,917 |
| Average total loans | $152,474,000 | 2,647 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 3,721 |
| Cost of funding earning assets | 0.9120% | 1,317 |
| Net interest margin | 2.9472% | 4,228 |
| Noninterest income to average assets | 0.3228% | 3,530 |
| Noninterest expense to average assets | 2.7920% | 2,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2838% | 4,445 |
| Return on assets (ROA) | 0.2838% | 4,483 |
| Pretax return on assets | 0.3764% | 4,438 |
| Return on Equity (ROE) | 2.4919% | 4,445 |
| Retained earnings to average equity (ytd only) | 2.4919% | 3,581 |
| Net charge-offs to loans | 0.0179% | 2,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 29.6923% | 1,445 |
| Efficiency ratio | 88.1194% | 448 |
| Assets per employee ($millions) | 5.8816% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 4,292 |
| Loan loss allowance to noncurrent loans | 11,790.9091% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,567 |
| Noncurrent loans to loans | 0.0070% | 4,494 |
| Net loans and leases to total assets | 72.1316% | 1,682 |
| Net loans and leases to deposits | 81.2224% | 2,291 |
| Net loans and leases to core deposits | 83.8306% | 2,621 |
| Total domestic deposits to total assets | 88.8075% | 820 |
| Equity capital to assets | 10.8097% | 2,489 |
| Core capital (leverage) ratio | 10.7491% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,087,333 | 2,861 |
| Average earning assets | $198,021,667 | 2,797 |
| Average equity | $23,356,000 | 2,900 |
| Average total loans | $144,870,000 | 2,698 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0308% | 3,705 |
| Cost of funding earning assets | 0.9523% | 1,640 |
| Net interest margin | 3.0784% | 4,138 |
| Noninterest income to average assets | 0.3460% | 3,447 |
| Noninterest expense to average assets | 2.9494% | 2,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2756% | 4,399 |
| Return on assets (ROA) | 0.2756% | 4,421 |
| Pretax return on assets | 0.3621% | 4,360 |
| Return on Equity (ROE) | 2.3548% | 4,375 |
| Retained earnings to average equity (ytd only) | 2.3548% | 3,317 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0644% | 532 |
| Assets per employee ($millions) | 5.5407% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 3,981 |
| Loan loss allowance to noncurrent loans | 7,705.8824% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,604 |
| Noncurrent loans to loans | 0.0122% | 4,522 |
| Net loans and leases to total assets | 67.5489% | 2,608 |
| Net loans and leases to deposits | 76.4589% | 3,031 |
| Net loans and leases to core deposits | 78.8287% | 3,294 |
| Total domestic deposits to total assets | 88.3467% | 955 |
| Equity capital to assets | 11.4206% | 2,509 |
| Core capital (leverage) ratio | 11.7330% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,821,500 | 2,885 |
| Average earning assets | $191,527,000 | 2,821 |
| Average equity | $23,272,000 | 2,905 |
| Average total loans | $138,170,500 | 2,740 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 3,649 |
| Cost of funding earning assets | 0.6054% | 3,615 |
| Net interest margin | 3.6538% | 2,950 |
| Noninterest income to average assets | 0.3141% | 3,814 |
| Noninterest expense to average assets | 2.8071% | 2,575 |
| Loan and lease loss provision to assets | 0.2172% | 905 |
| Net operating income to assets | 0.6143% | 4,115 |
| Return on assets (ROA) | 0.6148% | 4,177 |
| Pretax return on assets | 0.8109% | 3,954 |
| Return on Equity (ROE) | 4.4731% | 4,351 |
| Retained earnings to average equity (ytd only) | 2.7340% | 3,669 |
| Net charge-offs to loans | 0.0359% | 2,669 |
| Credit loss provision to net charge-offs | 875.6098% | 382 |
| Earnings coverage of net charge-offs (x) | 41.4146% | 1,288 |
| Efficiency ratio | 73.2050% | 1,699 |
| Assets per employee ($millions) | 5.5039% | 2,053 |
| Cash dividends to net income (ytd only)* | 38.8780% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 3,702 |
| Loan loss allowance to noncurrent loans | 4,366.6667% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,580 |
| Noncurrent loans to loans | 0.0220% | 4,481 |
| Net loans and leases to total assets | 70.2055% | 2,368 |
| Net loans and leases to deposits | 80.1077% | 2,770 |
| Net loans and leases to core deposits | 82.1854% | 3,106 |
| Total domestic deposits to total assets | 87.6389% | 1,297 |
| Equity capital to assets | 12.0076% | 2,130 |
| Core capital (leverage) ratio | 12.9355% | 1,260 |
| Tier 1 risk-based capital ratio | 16.4145% | 2,252 |
| Total risk-based capital ratio | 17.3460% | 2,316 |
| Memoranda: | ||
| Average total assets | $165,258,200 | 3,152 |
| Average earning assets | $159,229,800 | 3,088 |
| Average equity | $22,713,600 | 2,893 |
| Average total loans | $114,345,400 | 3,015 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 3,683 |
| Cost of funding earning assets | 0.5535% | 3,907 |
| Net interest margin | 3.7366% | 2,801 |
| Noninterest income to average assets | 0.2761% | 4,101 |
| Noninterest expense to average assets | 2.7169% | 2,820 |
| Loan and lease loss provision to assets | 0.1675% | 1,110 |
| Net operating income to assets | 0.7627% | 3,799 |
| Return on assets (ROA) | 0.7634% | 3,867 |
| Pretax return on assets | 1.0007% | 3,598 |
| Return on Equity (ROE) | 5.3487% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.0193% | 3,879 |
| Net charge-offs to loans | 0.0478% | 2,154 |
| Credit loss provision to net charge-offs | 510.2564% | 611 |
| Earnings coverage of net charge-offs (x) | 35.5633% | 1,464 |
| Efficiency ratio | 69.9458% | 2,124 |
| Assets per employee ($millions) | 5.5759% | 1,958 |
| Cash dividends to net income (ytd only)* | 43.5500% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 3,719 |
| Loan loss allowance to noncurrent loans | 4,800.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,688 |
| Noncurrent loans to loans | 0.0203% | 4,582 |
| Net loans and leases to total assets | 65.7216% | 3,083 |
| Net loans and leases to deposits | 75.6967% | 3,324 |
| Net loans and leases to core deposits | 76.7022% | 3,648 |
| Total domestic deposits to total assets | 86.8223% | 1,608 |
| Equity capital to assets | 12.8981% | 1,688 |
| Core capital (leverage) ratio | 13.7081% | 1,074 |
| Tier 1 risk-based capital ratio | 18.5913% | 1,666 |
| Total risk-based capital ratio | 19.5235% | 1,710 |
| Memoranda: | ||
| Average total assets | $158,413,750 | 3,246 |
| Average earning assets | $152,968,000 | 3,184 |
| Average equity | $22,609,250 | 2,925 |
| Average total loans | $108,794,000 | 3,140 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 3,629 |
| Cost of funding earning assets | 0.5250% | 4,010 |
| Net interest margin | 3.7764% | 2,666 |
| Noninterest income to average assets | 0.2952% | 3,962 |
| Noninterest expense to average assets | 2.7217% | 2,836 |
| Loan and lease loss provision to assets | 0.0778% | 2,256 |
| Net operating income to assets | 0.8699% | 3,401 |
| Return on assets (ROA) | 0.8699% | 3,464 |
| Pretax return on assets | 1.1361% | 3,134 |
| Return on Equity (ROE) | 5.8734% | 4,086 |
| Retained earnings to average equity (ytd only) | 2.3582% | 4,003 |
| Net charge-offs to loans | 0.0777% | 1,588 |
| Credit loss provision to net charge-offs | 143.9024% | 1,540 |
| Earnings coverage of net charge-offs (x) | 22.4634% | 1,693 |
| Efficiency ratio | 69.1561% | 2,358 |
| Assets per employee ($millions) | 5.3016% | 2,150 |
| Cash dividends to net income (ytd only)* | 59.8485% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 4,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.5610% | 3,033 |
| Net loans and leases to deposits | 77.5045% | 3,190 |
| Net loans and leases to core deposits | 78.2687% | 3,557 |
| Total domestic deposits to total assets | 85.8801% | 2,093 |
| Equity capital to assets | 13.8497% | 1,183 |
| Core capital (leverage) ratio | 14.6228% | 792 |
| Tier 1 risk-based capital ratio | 19.4064% | 1,456 |
| Total risk-based capital ratio | 20.2688% | 1,517 |
| Memoranda: | ||
| Average total assets | $151,741,670 | 3,330 |
| Average earning assets | $146,276,000 | 3,260 |
| Average equity | $22,474,330 | 2,926 |
| Average total loans | $105,585,670 | 3,202 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3613% | 3,369 |
| Cost of funding earning assets | 0.5005% | 4,057 |
| Net interest margin | 3.8608% | 2,310 |
| Noninterest income to average assets | 0.3548% | 3,482 |
| Noninterest expense to average assets | 2.8163% | 2,514 |
| Loan and lease loss provision to assets | 0.0523% | 2,615 |
| Net operating income to assets | 0.9186% | 3,166 |
| Return on assets (ROA) | 0.9186% | 3,202 |
| Pretax return on assets | 1.1991% | 2,806 |
| Return on Equity (ROE) | 5.9828% | 4,023 |
| Retained earnings to average equity (ytd only) | -1.0927% | 4,662 |
| Net charge-offs to loans | 0.1551% | 865 |
| Credit loss provision to net charge-offs | 47.5000% | 1,993 |
| Earnings coverage of net charge-offs (x) | 11.3750% | 1,912 |
| Efficiency ratio | 69.2360% | 2,467 |
| Assets per employee ($millions) | 4.8945% | 2,653 |
| Cash dividends to net income (ytd only)* | 118.2635% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 69.8921% | 2,499 |
| Net loans and leases to deposits | 82.8732% | 2,520 |
| Net loans and leases to core deposits | 83.6336% | 3,052 |
| Total domestic deposits to total assets | 84.3362% | 2,932 |
| Equity capital to assets | 15.2103% | 711 |
| Core capital (leverage) ratio | 14.8528% | 731 |
| Tier 1 risk-based capital ratio | 20.8336% | 1,190 |
| Total risk-based capital ratio | 21.7367% | 1,227 |
| Memoranda: | ||
| Average total assets | $145,437,500 | 3,444 |
| Average earning assets | $139,868,000 | 3,369 |
| Average equity | $22,330,500 | 2,941 |
| Average total loans | $103,177,000 | 3,267 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 4,111 |
| Cost of funding earning assets | 0.4481% | 3,695 |
| Net interest margin | 3.5219% | 3,630 |
| Noninterest income to average assets | 0.2247% | 4,579 |
| Noninterest expense to average assets | 2.5259% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8247% | 3,711 |
| Return on assets (ROA) | 0.8247% | 3,709 |
| Pretax return on assets | 1.0839% | 3,333 |
| Return on Equity (ROE) | 5.4996% | 4,326 |
| Retained earnings to average equity (ytd only) | 4.9648% | 2,781 |
| Net charge-offs to loans | 0.3797% | 496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4.1813% | 3,324 |
| Efficiency ratio | 69.9732% | 2,190 |
| Assets per employee ($millions) | 4.6465% | 2,963 |
| Cash dividends to net income (ytd only)* | 9.7234% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 3,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 70.6505% | 2,473 |
| Net loans and leases to deposits | 84.0769% | 2,505 |
| Net loans and leases to core deposits | 84.8664% | 3,009 |
| Total domestic deposits to total assets | 84.0308% | 2,987 |
| Equity capital to assets | 15.5006% | 617 |
| Core capital (leverage) ratio | 15.4414% | 606 |
| Tier 1 risk-based capital ratio | 20.8085% | 1,179 |
| Total risk-based capital ratio | 21.7275% | 1,203 |
| Memoranda: | ||
| Average total assets | $144,660,400 | 3,450 |
| Average earning assets | $139,045,400 | 3,369 |
| Average equity | $21,692,600 | 2,918 |
| Average total loans | $98,769,800 | 3,329 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8525% | 4,315 |
| Cost of funding earning assets | 0.4439% | 3,572 |
| Net interest margin | 3.4086% | 3,983 |
| Noninterest income to average assets | 0.1961% | 4,801 |
| Noninterest expense to average assets | 2.4720% | 3,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7366% | 4,123 |
| Return on assets (ROA) | 0.7366% | 4,133 |
| Pretax return on assets | 1.0045% | 3,709 |
| Return on Equity (ROE) | 4.9533% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.2351% | 3,656 |
| Net charge-offs to loans | 0.5046% | 307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.9487% | 3,204 |
| Efficiency ratio | 71.1070% | 2,024 |
| Assets per employee ($millions) | 4.9922% | 2,474 |
| Cash dividends to net income (ytd only)* | 14.4997% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,865 |
| Loan loss allowance to noncurrent loans | 19,940.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 5,018 |
| Noncurrent loans to loans | 0.0049% | 4,918 |
| Net loans and leases to total assets | 66.9413% | 3,077 |
| Net loans and leases to deposits | 78.6982% | 3,172 |
| Net loans and leases to core deposits | 79.3987% | 3,543 |
| Total domestic deposits to total assets | 85.0608% | 2,582 |
| Equity capital to assets | 14.6067% | 801 |
| Core capital (leverage) ratio | 15.3765% | 619 |
| Tier 1 risk-based capital ratio | 20.7372% | 1,222 |
| Total risk-based capital ratio | 21.6740% | 1,232 |
| Memoranda: | ||
| Average total assets | $144,815,500 | 3,483 |
| Average earning assets | $139,370,500 | 3,397 |
| Average equity | $21,534,000 | 2,947 |
| Average total loans | $97,773,000 | 3,369 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 4,352 |
| Cost of funding earning assets | 0.4434% | 3,396 |
| Net interest margin | 3.3524% | 4,100 |
| Noninterest income to average assets | 0.3381% | 3,927 |
| Noninterest expense to average assets | 2.5076% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7725% | 3,945 |
| Return on assets (ROA) | 0.7725% | 3,952 |
| Pretax return on assets | 1.0519% | 3,509 |
| Return on Equity (ROE) | 5.1634% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.0803% | 3,569 |
| Net charge-offs to loans | 0.7701% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.0242% | 3,004 |
| Efficiency ratio | 70.4474% | 2,245 |
| Assets per employee ($millions) | 4.9860% | 2,435 |
| Cash dividends to net income (ytd only)* | 20.9765% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5286% | 868 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 69.0557% | 2,711 |
| Net loans and leases to deposits | 82.0368% | 2,767 |
| Net loans and leases to core deposits | 82.8269% | 3,174 |
| Total domestic deposits to total assets | 84.1765% | 3,000 |
| Equity capital to assets | 15.5047% | 593 |
| Core capital (leverage) ratio | 15.4893% | 571 |
| Tier 1 risk-based capital ratio | 21.1465% | 1,150 |
| Total risk-based capital ratio | 22.1107% | 1,173 |
| Memoranda: | ||
| Average total assets | $143,165,000 | 3,522 |
| Average earning assets | $137,574,000 | 3,448 |
| Average equity | $21,420,000 | 2,973 |
| Average total loans | $96,613,000 | 3,399 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 4,631 |
| Cost of funding earning assets | 0.4321% | 3,356 |
| Net interest margin | 3.2018% | 4,449 |
| Noninterest income to average assets | 0.2925% | 4,206 |
| Noninterest expense to average assets | 2.4782% | 3,718 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6596% | 4,248 |
| Return on assets (ROA) | 0.6596% | 4,256 |
| Pretax return on assets | 0.9024% | 3,845 |
| Return on Equity (ROE) | 4.4868% | 4,640 |
| Retained earnings to average equity (ytd only) | 2.3091% | 4,240 |
| Net charge-offs to loans | -0.0042% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3061% | 1,997 |
| Assets per employee ($millions) | 5.1106% | 2,353 |
| Cash dividends to net income (ytd only)* | 48.5356% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,756 |
| Loan loss allowance to noncurrent loans | 50.4611% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 1.8945% | 626 |
| Noncurrent loans to loans | 2.8173% | 445 |
| Net loans and leases to total assets | 66.2907% | 2,987 |
| Net loans and leases to deposits | 78.1088% | 3,007 |
| Net loans and leases to core deposits | 78.8332% | 3,421 |
| Total domestic deposits to total assets | 84.8697% | 2,986 |
| Equity capital to assets | 14.9123% | 694 |
| Core capital (leverage) ratio | 15.0372% | 653 |
| Tier 1 risk-based capital ratio | 21.0271% | 1,203 |
| Total risk-based capital ratio | 22.2774% | 1,180 |
| Memoranda: | ||
| Average total assets | $144,943,000 | 3,534 |
| Average earning assets | $139,797,500 | 3,447 |
| Average equity | $21,307,000 | 3,015 |
| Average total loans | $96,218,000 | 3,423 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 4,409 |
| Cost of funding earning assets | 0.4749% | 2,551 |
| Net interest margin | 3.1947% | 4,458 |
| Noninterest income to average assets | 0.2493% | 4,645 |
| Noninterest expense to average assets | 2.5353% | 3,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4985% | 4,381 |
| Return on assets (ROA) | 0.4985% | 4,414 |
| Pretax return on assets | 0.7749% | 4,319 |
| Return on Equity (ROE) | 3.4696% | 4,694 |
| Retained earnings to average equity (ytd only) | -0.6003% | 5,131 |
| Net charge-offs to loans | 0.0010% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1,141.0000% | 70 |
| Efficiency ratio | 76.5901% | 1,541 |
| Assets per employee ($millions) | 5.4366% | 2,004 |
| Cash dividends to net income (ytd only)* | 117.3025% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,680 |
| Loan loss allowance to noncurrent loans | 50.3685% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 1.8489% | 652 |
| Noncurrent loans to loans | 2.8210% | 416 |
| Net loans and leases to total assets | 64.6104% | 3,280 |
| Net loans and leases to deposits | 77.1071% | 3,216 |
| Net loans and leases to core deposits | 77.6532% | 3,615 |
| Total domestic deposits to total assets | 83.7931% | 3,282 |
| Equity capital to assets | 14.4936% | 782 |
| Core capital (leverage) ratio | 14.6716% | 691 |
| Tier 1 risk-based capital ratio | 20.6274% | 1,207 |
| Total risk-based capital ratio | 21.8774% | 1,181 |
| Memoranda: | ||
| Average total assets | $147,240,200 | 3,501 |
| Average earning assets | $141,075,800 | 3,436 |
| Average equity | $21,155,400 | 3,023 |
| Average total loans | $101,295,400 | 3,331 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 4,323 |
| Cost of funding earning assets | 0.4689% | 2,532 |
| Net interest margin | 3.2301% | 4,385 |
| Noninterest income to average assets | 0.4425% | 3,386 |
| Noninterest expense to average assets | 2.5851% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6062% | 4,367 |
| Return on assets (ROA) | 0.6062% | 4,409 |
| Pretax return on assets | 0.9492% | 3,874 |
| Return on Equity (ROE) | 4.2286% | 4,786 |
| Retained earnings to average equity (ytd only) | -1.2118% | 5,368 |
| Net charge-offs to loans | -0.0182% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1439% | 2,019 |
| Assets per employee ($millions) | 4.9156% | 2,561 |
| Cash dividends to net income (ytd only)* | 128.6563% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 2,094 |
| Loan loss allowance to noncurrent loans | 751.0870% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 2,685 |
| Noncurrent loans to loans | 0.1806% | 4,341 |
| Net loans and leases to total assets | 68.1492% | 2,828 |
| Net loans and leases to deposits | 83.2897% | 2,627 |
| Net loans and leases to core deposits | 83.8911% | 3,133 |
| Total domestic deposits to total assets | 81.8219% | 3,827 |
| Equity capital to assets | 14.4329% | 875 |
| Core capital (leverage) ratio | 14.6083% | 744 |
| Tier 1 risk-based capital ratio | 20.2579% | 1,313 |
| Total risk-based capital ratio | 21.5083% | 1,284 |
| Memoranda: | ||
| Average total assets | $147,353,000 | 3,531 |
| Average earning assets | $141,046,500 | 3,463 |
| Average equity | $21,125,500 | 3,051 |
| Average total loans | $102,567,250 | 3,340 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 4,311 |
| Cost of funding earning assets | 0.4620% | 2,483 |
| Net interest margin | 3.2100% | 4,393 |
| Noninterest income to average assets | 0.3598% | 3,983 |
| Noninterest expense to average assets | 2.6026% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5268% | 4,624 |
| Return on assets (ROA) | 0.5268% | 4,655 |
| Pretax return on assets | 0.8227% | 4,193 |
| Return on Equity (ROE) | 3.6825% | 4,920 |
| Retained earnings to average equity (ytd only) | -4.4987% | 5,515 |
| Net charge-offs to loans | -0.0292% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9810% | 1,720 |
| Assets per employee ($millions) | 4.6970% | 2,797 |
| Cash dividends to net income (ytd only)* | 222.1649% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 2,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4910% | 3,122 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 68.7707% | 2,698 |
| Net loans and leases to deposits | 83.9967% | 2,474 |
| Net loans and leases to core deposits | 84.6099% | 3,005 |
| Total domestic deposits to total assets | 81.8731% | 3,922 |
| Equity capital to assets | 14.4203% | 845 |
| Core capital (leverage) ratio | 14.3814% | 769 |
| Tier 1 risk-based capital ratio | 19.6472% | 1,438 |
| Total risk-based capital ratio | 20.8976% | 1,401 |
| Memoranda: | ||
| Average total assets | $147,314,330 | 3,558 |
| Average earning assets | $140,685,000 | 3,484 |
| Average equity | $21,072,670 | 3,058 |
| Average total loans | $102,796,000 | 3,343 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5963% | 4,430 |
| Cost of funding earning assets | 0.4467% | 2,556 |
| Net interest margin | 3.1496% | 4,504 |
| Noninterest income to average assets | 0.3510% | 4,033 |
| Noninterest expense to average assets | 2.6267% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4697% | 4,708 |
| Return on assets (ROA) | 0.4697% | 4,732 |
| Pretax return on assets | 0.7316% | 4,341 |
| Return on Equity (ROE) | 3.2969% | 5,022 |
| Retained earnings to average equity (ytd only) | -13.0362% | 5,640 |
| Net charge-offs to loans | -0.0271% | 4,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2154% | 1,599 |
| Assets per employee ($millions) | 5.0252% | 2,409 |
| Cash dividends to net income (ytd only)* | 495.4023% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,371 |
| Loan loss allowance to noncurrent loans | 159.8837% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.0808% | 1,650 |
| Noncurrent loans to loans | 0.8341% | 2,373 |
| Net loans and leases to total assets | 69.8079% | 2,419 |
| Net loans and leases to deposits | 85.3097% | 2,111 |
| Net loans and leases to core deposits | 85.9316% | 2,720 |
| Total domestic deposits to total assets | 81.8287% | 4,212 |
| Equity capital to assets | 14.2572% | 831 |
| Core capital (leverage) ratio | 14.1137% | 811 |
| Tier 1 risk-based capital ratio | 19.4856% | 1,496 |
| Total risk-based capital ratio | 20.7356% | 1,465 |
| Memoranda: | ||
| Average total assets | $148,168,000 | 3,580 |
| Average earning assets | $141,477,000 | 3,504 |
| Average equity | $21,110,500 | 3,075 |
| Average total loans | $103,435,000 | 3,355 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 4,531 |
| Cost of funding earning assets | 0.4686% | 2,370 |
| Net interest margin | 3.1233% | 4,660 |
| Noninterest income to average assets | 0.2871% | 4,687 |
| Noninterest expense to average assets | 2.5641% | 3,794 |
| Loan and lease loss provision to assets | -0.1320% | 5,726 |
| Net operating income to assets | 0.5511% | 4,432 |
| Return on assets (ROA) | 0.5511% | 4,531 |
| Pretax return on assets | 0.8507% | 4,012 |
| Return on Equity (ROE) | 3.8982% | 4,871 |
| Retained earnings to average equity (ytd only) | -5.4387% | 5,693 |
| Net charge-offs to loans | 0.1260% | 1,986 |
| Credit loss provision to net charge-offs | -153.8462% | 4,953 |
| Earnings coverage of net charge-offs (x) | 8.3769% | 2,878 |
| Efficiency ratio | 78.1062% | 1,681 |
| Assets per employee ($millions) | 5.0202% | 2,371 |
| Cash dividends to net income (ytd only)* | 239.5210% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 2,440 |
| Loan loss allowance to noncurrent loans | 159.0698% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.0464% | 1,806 |
| Noncurrent loans to loans | 0.8288% | 2,453 |
| Net loans and leases to total assets | 67.9893% | 2,769 |
| Net loans and leases to deposits | 82.9608% | 2,552 |
| Net loans and leases to core deposits | 83.9662% | 3,028 |
| Total domestic deposits to total assets | 81.9536% | 4,089 |
| Equity capital to assets | 14.2385% | 814 |
| Core capital (leverage) ratio | 14.1757% | 772 |
| Tier 1 risk-based capital ratio | 20.3641% | 1,313 |
| Total risk-based capital ratio | 21.6145% | 1,288 |
| Memoranda: | ||
| Average total assets | $151,517,800 | 3,497 |
| Average earning assets | $145,326,400 | 3,430 |
| Average equity | $21,420,400 | 3,029 |
| Average total loans | $103,169,600 | 3,328 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 4,587 |
| Cost of funding earning assets | 0.4728% | 2,341 |
| Net interest margin | 3.1141% | 4,738 |
| Noninterest income to average assets | 0.2504% | 4,965 |
| Noninterest expense to average assets | 2.6087% | 3,632 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4138% | 4,973 |
| Return on assets (ROA) | 0.4138% | 5,066 |
| Pretax return on assets | 0.6335% | 4,789 |
| Return on Equity (ROE) | 2.9325% | 5,237 |
| Retained earnings to average equity (ytd only) | -9.5198% | 5,844 |
| Net charge-offs to loans | 0.1890% | 1,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.9384% | 3,198 |
| Efficiency ratio | 80.4607% | 1,383 |
| Assets per employee ($millions) | 4.9319% | 2,450 |
| Cash dividends to net income (ytd only)* | 424.6314% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,745 |
| Loan loss allowance to noncurrent loans | 180.4651% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0936% | 1,867 |
| Noncurrent loans to loans | 0.8344% | 2,595 |
| Net loans and leases to total assets | 68.6096% | 2,707 |
| Net loans and leases to deposits | 83.6736% | 2,527 |
| Net loans and leases to core deposits | 84.9693% | 3,039 |
| Total domestic deposits to total assets | 81.9967% | 3,935 |
| Equity capital to assets | 14.3157% | 926 |
| Core capital (leverage) ratio | 13.7933% | 913 |
| Tier 1 risk-based capital ratio | 20.1505% | 1,418 |
| Total risk-based capital ratio | 21.4025% | 1,382 |
| Memoranda: | ||
| Average total assets | $151,745,750 | 3,505 |
| Average earning assets | $145,782,750 | 3,441 |
| Average equity | $21,414,500 | 3,051 |
| Average total loans | $103,021,000 | 3,345 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 4,688 |
| Cost of funding earning assets | 0.4781% | 2,289 |
| Net interest margin | 3.0891% | 4,860 |
| Noninterest income to average assets | 0.1869% | 5,378 |
| Noninterest expense to average assets | 2.5855% | 3,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3346% | 5,225 |
| Return on assets (ROA) | 0.3346% | 5,307 |
| Pretax return on assets | 0.5660% | 4,985 |
| Return on Equity (ROE) | 2.3822% | 5,413 |
| Retained earnings to average equity (ytd only) | -16.2290% | 5,943 |
| Net charge-offs to loans | 0.2912% | 817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.8867% | 3,198 |
| Efficiency ratio | 82.0406% | 1,263 |
| Assets per employee ($millions) | 4.8047% | 2,552 |
| Cash dividends to net income (ytd only)* | 781.2500% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 1,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 3,335 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 66.5514% | 3,006 |
| Net loans and leases to deposits | 80.8267% | 2,838 |
| Net loans and leases to core deposits | 82.0632% | 3,263 |
| Total domestic deposits to total assets | 82.3384% | 3,896 |
| Equity capital to assets | 14.0844% | 994 |
| Core capital (leverage) ratio | 13.8037% | 875 |
| Tier 1 risk-based capital ratio | 20.1744% | 1,420 |
| Total risk-based capital ratio | 21.4273% | 1,387 |
| Memoranda: | ||
| Average total assets | $153,009,000 | 3,511 |
| Average earning assets | $146,838,000 | 3,448 |
| Average equity | $21,492,330 | 3,052 |
| Average total loans | $103,006,670 | 3,357 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5241% | 4,832 |
| Cost of funding earning assets | 0.4853% | 2,227 |
| Net interest margin | 3.0388% | 5,028 |
| Noninterest income to average assets | 0.4412% | 3,542 |
| Noninterest expense to average assets | 2.5696% | 3,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5057% | 4,608 |
| Return on assets (ROA) | 0.5057% | 4,706 |
| Pretax return on assets | 0.7791% | 4,270 |
| Return on Equity (ROE) | 3.6047% | 5,032 |
| Retained earnings to average equity (ytd only) | -33.1778% | 6,036 |
| Net charge-offs to loans | -0.0077% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7334% | 2,076 |
| Assets per employee ($millions) | 5.2693% | 2,059 |
| Cash dividends to net income (ytd only)* | 1,020.4082% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 1,480 |
| Loan loss allowance to noncurrent loans | 147.8261% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 1,433 |
| Noncurrent loans to loans | 1.1173% | 2,162 |
| Net loans and leases to total assets | 66.2430% | 2,910 |
| Net loans and leases to deposits | 79.9953% | 2,787 |
| Net loans and leases to core deposits | 81.3511% | 3,195 |
| Total domestic deposits to total assets | 82.8087% | 3,963 |
| Equity capital to assets | 13.6640% | 1,110 |
| Core capital (leverage) ratio | 13.5515% | 965 |
| Tier 1 risk-based capital ratio | 19.6867% | 1,573 |
| Total risk-based capital ratio | 20.9401% | 1,538 |
| Memoranda: | ||
| Average total assets | $155,041,000 | 3,505 |
| Average earning assets | $148,349,000 | 3,444 |
| Average equity | $21,749,500 | 3,044 |
| Average total loans | $104,173,500 | 3,351 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5022% | 4,913 |
| Cost of funding earning assets | 0.5536% | 1,732 |
| Net interest margin | 2.9486% | 5,251 |
| Noninterest income to average assets | 0.3186% | 4,616 |
| Noninterest expense to average assets | 2.2968% | 4,799 |
| Loan and lease loss provision to assets | -0.0309% | 5,693 |
| Net operating income to assets | 0.5787% | 4,387 |
| Return on assets (ROA) | 0.5791% | 4,474 |
| Pretax return on assets | 0.8848% | 3,908 |
| Return on Equity (ROE) | 4.1941% | 4,855 |
| Retained earnings to average equity (ytd only) | -0.2772% | 5,549 |
| Net charge-offs to loans | -0.1128% | 5,810 |
| Credit loss provision to net charge-offs | 41.3223% | 3,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9126% | 2,755 |
| Assets per employee ($millions) | 5.2424% | 2,070 |
| Cash dividends to net income (ytd only)* | 106.6098% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 1,581 |
| Loan loss allowance to noncurrent loans | 147.6522% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.4395% | 1,438 |
| Noncurrent loans to loans | 1.0909% | 2,156 |
| Net loans and leases to total assets | 65.9513% | 2,985 |
| Net loans and leases to deposits | 80.5240% | 2,762 |
| Net loans and leases to core deposits | 81.8631% | 3,166 |
| Total domestic deposits to total assets | 81.9027% | 4,187 |
| Equity capital to assets | 14.3821% | 804 |
| Core capital (leverage) ratio | 14.1611% | 782 |
| Tier 1 risk-based capital ratio | 20.7834% | 1,333 |
| Total risk-based capital ratio | 22.0371% | 1,311 |
| Memoranda: | ||
| Average total assets | $161,961,600 | 3,403 |
| Average earning assets | $155,532,800 | 3,326 |
| Average equity | $22,364,800 | 2,931 |
| Average total loans | $107,266,400 | 3,254 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4963% | 4,992 |
| Cost of funding earning assets | 0.5685% | 1,641 |
| Net interest margin | 2.9277% | 5,360 |
| Noninterest income to average assets | 0.3163% | 4,679 |
| Noninterest expense to average assets | 2.3301% | 4,702 |
| Loan and lease loss provision to assets | -0.0409% | 5,896 |
| Net operating income to assets | 0.5492% | 4,592 |
| Return on assets (ROA) | 0.5492% | 4,695 |
| Pretax return on assets | 0.8426% | 4,197 |
| Return on Equity (ROE) | 4.0176% | 5,030 |
| Retained earnings to average equity (ytd only) | -2.0806% | 5,863 |
| Net charge-offs to loans | -0.1077% | 5,811 |
| Credit loss provision to net charge-offs | 57.4713% | 2,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3998% | 2,486 |
| Assets per employee ($millions) | 5.2087% | 2,055 |
| Cash dividends to net income (ytd only)* | 151.7858% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 1,856 |
| Loan loss allowance to noncurrent loans | 159.2344% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 1.3829% | 1,664 |
| Noncurrent loans to loans | 0.9920% | 2,509 |
| Net loans and leases to total assets | 66.3499% | 2,961 |
| Net loans and leases to deposits | 80.8798% | 2,779 |
| Net loans and leases to core deposits | 82.2288% | 3,227 |
| Total domestic deposits to total assets | 82.0352% | 4,149 |
| Equity capital to assets | 14.3440% | 902 |
| Core capital (leverage) ratio | 14.1202% | 830 |
| Tier 1 risk-based capital ratio | 20.4256% | 1,448 |
| Total risk-based capital ratio | 21.6781% | 1,417 |
| Memoranda: | ||
| Average total assets | $163,134,000 | 3,426 |
| Average earning assets | $156,887,250 | 3,332 |
| Average equity | $22,301,250 | 2,955 |
| Average total loans | $107,727,750 | 3,269 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 5,205 |
| Cost of funding earning assets | 0.5799% | 1,563 |
| Net interest margin | 2.8317% | 5,552 |
| Noninterest income to average assets | 0.3010% | 4,800 |
| Noninterest expense to average assets | 2.3346% | 4,761 |
| Loan and lease loss provision to assets | -0.0605% | 6,045 |
| Net operating income to assets | 0.4848% | 4,830 |
| Return on assets (ROA) | 0.4848% | 4,934 |
| Pretax return on assets | 0.7484% | 4,500 |
| Return on Equity (ROE) | 3.6023% | 5,178 |
| Retained earnings to average equity (ytd only) | -5.5606% | 6,043 |
| Net charge-offs to loans | -0.0663% | 5,645 |
| Credit loss provision to net charge-offs | 138.8889% | 1,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2400% | 2,168 |
| Assets per employee ($millions) | 5.4121% | 1,823 |
| Cash dividends to net income (ytd only)* | 254.3641% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 2,242 |
| Loan loss allowance to noncurrent loans | 115.3791% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.5675% | 1,550 |
| Noncurrent loans to loans | 1.3103% | 2,049 |
| Net loans and leases to total assets | 64.7177% | 3,165 |
| Net loans and leases to deposits | 77.9416% | 3,035 |
| Net loans and leases to core deposits | 79.3243% | 3,463 |
| Total domestic deposits to total assets | 83.0336% | 3,940 |
| Equity capital to assets | 13.6307% | 1,116 |
| Core capital (leverage) ratio | 13.6423% | 943 |
| Tier 1 risk-based capital ratio | 19.9975% | 1,542 |
| Total risk-based capital ratio | 21.2496% | 1,517 |
| Memoranda: | ||
| Average total assets | $165,425,000 | 3,412 |
| Average earning assets | $158,987,330 | 3,309 |
| Average equity | $22,263,670 | 2,974 |
| Average total loans | $108,522,670 | 3,279 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4201% | 5,165 |
| Cost of funding earning assets | 0.6012% | 1,429 |
| Net interest margin | 2.8189% | 5,605 |
| Noninterest income to average assets | 0.3091% | 4,716 |
| Noninterest expense to average assets | 2.3551% | 4,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4289% | 4,949 |
| Return on assets (ROA) | 0.4289% | 5,075 |
| Pretax return on assets | 0.6613% | 4,724 |
| Return on Equity (ROE) | 3.2064% | 5,296 |
| Retained earnings to average equity (ytd only) | -15.0649% | 6,220 |
| Net charge-offs to loans | 0.0402% | 2,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 25.0909% | 1,278 |
| Efficiency ratio | 78.0778% | 2,175 |
| Assets per employee ($millions) | 5.7756% | 1,570 |
| Cash dividends to net income (ytd only)* | 569.8324% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 2,505 |
| Loan loss allowance to noncurrent loans | 115.5937% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.5828% | 1,627 |
| Noncurrent loans to loans | 1.2850% | 2,231 |
| Net loans and leases to total assets | 63.9897% | 3,089 |
| Net loans and leases to deposits | 76.5484% | 2,985 |
| Net loans and leases to core deposits | 77.7124% | 3,411 |
| Total domestic deposits to total assets | 83.5937% | 3,975 |
| Equity capital to assets | 13.0885% | 1,350 |
| Core capital (leverage) ratio | 13.0868% | 1,125 |
| Tier 1 risk-based capital ratio | 20.0161% | 1,613 |
| Total risk-based capital ratio | 21.2683% | 1,582 |
| Memoranda: | ||
| Average total assets | $166,956,500 | 3,414 |
| Average earning assets | $160,347,000 | 3,318 |
| Average equity | $22,330,000 | 2,989 |
| Average total loans | $109,439,000 | 3,268 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6831% | 4,842 |
| Cost of funding earning assets | 0.6752% | 1,238 |
| Net interest margin | 3.0078% | 5,434 |
| Noninterest income to average assets | 0.2342% | 5,460 |
| Noninterest expense to average assets | 2.3409% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4872% | 4,862 |
| Return on assets (ROA) | 0.4872% | 4,946 |
| Pretax return on assets | 0.7509% | 4,438 |
| Return on Equity (ROE) | 3.5557% | 5,275 |
| Retained earnings to average equity (ytd only) | -5.0747% | 6,181 |
| Net charge-offs to loans | 1.1843% | 230 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.9407% | 4,535 |
| Efficiency ratio | 75.7124% | 2,556 |
| Assets per employee ($millions) | 5.7387% | 1,569 |
| Cash dividends to net income (ytd only)* | 242.7184% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4779% | 2,574 |
| Loan loss allowance to noncurrent loans | 116.3805% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 1,694 |
| Noncurrent loans to loans | 1.2699% | 2,330 |
| Net loans and leases to total assets | 65.1705% | 3,024 |
| Net loans and leases to deposits | 80.0972% | 2,699 |
| Net loans and leases to core deposits | 81.1726% | 3,183 |
| Total domestic deposits to total assets | 81.3642% | 4,635 |
| Equity capital to assets | 13.6629% | 1,088 |
| Core capital (leverage) ratio | 13.5930% | 945 |
| Tier 1 risk-based capital ratio | 20.8329% | 1,437 |
| Total risk-based capital ratio | 22.0860% | 1,411 |
| Memoranda: | ||
| Average total assets | $169,120,200 | 3,356 |
| Average earning assets | $160,682,000 | 3,271 |
| Average equity | $23,173,800 | 2,832 |
| Average total loans | $113,994,600 | 3,143 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 4,819 |
| Cost of funding earning assets | 0.6867% | 1,224 |
| Net interest margin | 3.0261% | 5,448 |
| Noninterest income to average assets | 0.1673% | 5,921 |
| Noninterest expense to average assets | 2.4209% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4005% | 5,247 |
| Return on assets (ROA) | 0.4005% | 5,323 |
| Pretax return on assets | 0.6148% | 4,981 |
| Return on Equity (ROE) | 2.9205% | 5,564 |
| Retained earnings to average equity (ytd only) | -8.5326% | 6,353 |
| Net charge-offs to loans | 1.5679% | 149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.5791% | 4,356 |
| Efficiency ratio | 79.7465% | 1,956 |
| Assets per employee ($millions) | 5.3499% | 1,863 |
| Cash dividends to net income (ytd only)* | 392.1586% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4710% | 2,848 |
| Loan loss allowance to noncurrent loans | 112.3013% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 2.0814% | 1,352 |
| Noncurrent loans to loans | 1.3098% | 2,461 |
| Net loans and leases to total assets | 65.6300% | 2,932 |
| Net loans and leases to deposits | 80.5014% | 2,617 |
| Net loans and leases to core deposits | 81.5821% | 3,139 |
| Total domestic deposits to total assets | 81.5265% | 4,649 |
| Equity capital to assets | 13.5299% | 1,170 |
| Core capital (leverage) ratio | 13.4750% | 1,005 |
| Tier 1 risk-based capital ratio | 19.7059% | 1,736 |
| Total risk-based capital ratio | 20.9584% | 1,703 |
| Memoranda: | ||
| Average total assets | $169,794,750 | 3,369 |
| Average earning assets | $160,952,750 | 3,293 |
| Average equity | $23,282,750 | 2,829 |
| Average total loans | $114,972,000 | 3,145 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 4,761 |
| Cost of funding earning assets | 0.6894% | 1,246 |
| Net interest margin | 3.0419% | 5,413 |
| Noninterest income to average assets | 0.3565% | 4,567 |
| Noninterest expense to average assets | 2.4359% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5166% | 4,741 |
| Return on assets (ROA) | 0.5166% | 4,836 |
| Pretax return on assets | 0.7983% | 4,270 |
| Return on Equity (ROE) | 3.7515% | 5,252 |
| Retained earnings to average equity (ytd only) | -13.2236% | 6,471 |
| Net charge-offs to loans | 0.6010% | 668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.9514% | 3,683 |
| Efficiency ratio | 75.3162% | 2,754 |
| Assets per employee ($millions) | 5.1591% | 2,021 |
| Cash dividends to net income (ytd only)* | 452.4887% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3212% | 875 |
| Loan loss allowance to noncurrent loans | 594.3439% | 791 |
| Noncurrent assets plus other real estate owned to assets | 1.8299% | 1,771 |
| Noncurrent loans to loans | 0.3906% | 4,822 |
| Net loans and leases to total assets | 66.9602% | 2,590 |
| Net loans and leases to deposits | 82.1317% | 2,240 |
| Net loans and leases to core deposits | 83.2375% | 2,818 |
| Total domestic deposits to total assets | 81.5279% | 4,805 |
| Equity capital to assets | 13.5530% | 1,139 |
| Core capital (leverage) ratio | 13.4329% | 997 |
| Tier 1 risk-based capital ratio | 19.6405% | 1,773 |
| Total risk-based capital ratio | 20.9038% | 1,738 |
| Memoranda: | ||
| Average total assets | $171,110,330 | 3,371 |
| Average earning assets | $161,871,330 | 3,296 |
| Average equity | $23,564,000 | 2,794 |
| Average total loans | $116,472,330 | 3,127 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 4,792 |
| Cost of funding earning assets | 0.6882% | 1,320 |
| Net interest margin | 3.0277% | 5,451 |
| Noninterest income to average assets | 0.3032% | 4,925 |
| Noninterest expense to average assets | 2.4213% | 4,869 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4801% | 4,785 |
| Return on assets (ROA) | 0.4801% | 4,862 |
| Pretax return on assets | 0.7420% | 4,342 |
| Return on Equity (ROE) | 3.4605% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.4605% | 4,056 |
| Net charge-offs to loans | 1.1852% | 282 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.9229% | 3,232 |
| Efficiency ratio | 76.5432% | 2,721 |
| Assets per employee ($millions) | 5.4503% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2692% | 1,075 |
| Loan loss allowance to noncurrent loans | 2,171.0744% | 268 |
| Noncurrent assets plus other real estate owned to assets | 1.7472% | 2,016 |
| Noncurrent loans to loans | 0.1045% | 5,813 |
| Net loans and leases to total assets | 66.9644% | 2,403 |
| Net loans and leases to deposits | 82.6151% | 1,989 |
| Net loans and leases to core deposits | 83.7117% | 2,551 |
| Total domestic deposits to total assets | 81.0559% | 5,218 |
| Equity capital to assets | 14.2821% | 837 |
| Core capital (leverage) ratio | 14.2395% | 748 |
| Tier 1 risk-based capital ratio | 20.2422% | 1,661 |
| Total risk-based capital ratio | 21.5040% | 1,623 |
| Memoranda: | ||
| Average total assets | $174,119,500 | 3,346 |
| Average earning assets | $164,481,000 | 3,285 |
| Average equity | $24,158,500 | 2,740 |
| Average total loans | $118,122,000 | 3,111 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 3,885 |
| Cost of funding earning assets | 0.8446% | 974 |
| Net interest margin | 3.2146% | 4,952 |
| Noninterest income to average assets | 0.2575% | 5,503 |
| Noninterest expense to average assets | 2.4203% | 5,016 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5431% | 4,541 |
| Return on assets (ROA) | 0.5431% | 4,664 |
| Pretax return on assets | 0.8431% | 3,986 |
| Return on Equity (ROE) | 4.0129% | 5,103 |
| Retained earnings to average equity (ytd only) | 4.0129% | 3,336 |
| Net charge-offs to loans | -0.1011% | 6,479 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1652% | 3,105 |
| Assets per employee ($millions) | 5.7832% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4711% | 851 |
| Loan loss allowance to noncurrent loans | 779.3194% | 646 |
| Noncurrent assets plus other real estate owned to assets | 1.8217% | 2,016 |
| Noncurrent loans to loans | 0.3171% | 5,236 |
| Net loans and leases to total assets | 65.5386% | 2,766 |
| Net loans and leases to deposits | 80.7939% | 2,347 |
| Net loans and leases to core deposits | 81.8008% | 2,917 |
| Total domestic deposits to total assets | 81.1183% | 5,134 |
| Equity capital to assets | 13.4907% | 1,073 |
| Core capital (leverage) ratio | 13.8906% | 855 |
| Tier 1 risk-based capital ratio | 19.4376% | 1,809 |
| Total risk-based capital ratio | 20.7027% | 1,763 |
| Memoranda: | ||
| Average total assets | $174,361,400 | 3,341 |
| Average earning assets | $163,035,400 | 3,302 |
| Average equity | $23,598,600 | 2,758 |
| Average total loans | $124,653,800 | 2,948 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1297% | 3,644 |
| Cost of funding earning assets | 0.8844% | 886 |
| Net interest margin | 3.2453% | 4,847 |
| Noninterest income to average assets | 0.2588% | 5,591 |
| Noninterest expense to average assets | 2.4844% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5060% | 4,767 |
| Return on assets (ROA) | 0.5060% | 4,930 |
| Pretax return on assets | 0.8009% | 4,290 |
| Return on Equity (ROE) | 3.7352% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.7352% | 4,035 |
| Net charge-offs to loans | 0.0753% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 14.6485% | 1,928 |
| Efficiency ratio | 75.6212% | 2,786 |
| Assets per employee ($millions) | 5.7158% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2505% | 1,252 |
| Loan loss allowance to noncurrent loans | 725.8486% | 648 |
| Noncurrent assets plus other real estate owned to assets | 1.9542% | 2,078 |
| Noncurrent loans to loans | 0.3101% | 5,451 |
| Net loans and leases to total assets | 70.4175% | 1,892 |
| Net loans and leases to deposits | 87.4231% | 1,439 |
| Net loans and leases to core deposits | 88.5683% | 2,124 |
| Total domestic deposits to total assets | 80.5480% | 5,345 |
| Equity capital to assets | 13.9281% | 983 |
| Core capital (leverage) ratio | 13.6213% | 976 |
| Tier 1 risk-based capital ratio | 18.7559% | 2,064 |
| Total risk-based capital ratio | 20.0179% | 2,027 |
| Memoranda: | ||
| Average total assets | $173,132,000 | 3,389 |
| Average earning assets | $161,461,250 | 3,343 |
| Average equity | $23,451,750 | 2,805 |
| Average total loans | $125,698,750 | 2,947 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 3,362 |
| Cost of funding earning assets | 0.9204% | 815 |
| Net interest margin | 3.2816% | 4,648 |
| Noninterest income to average assets | 0.3443% | 4,935 |
| Noninterest expense to average assets | 2.4654% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5976% | 4,295 |
| Return on assets (ROA) | 0.5976% | 4,480 |
| Pretax return on assets | 0.9293% | 3,789 |
| Return on Equity (ROE) | 4.4534% | 5,022 |
| Retained earnings to average equity (ytd only) | 4.4534% | 3,432 |
| Net charge-offs to loans | 0.1044% | 3,316 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.2273% | 1,994 |
| Efficiency ratio | 72.6255% | 3,365 |
| Assets per employee ($millions) | 5.8582% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 1,305 |
| Loan loss allowance to noncurrent loans | 1,820.2614% | 295 |
| Noncurrent assets plus other real estate owned to assets | 2.2367% | 1,930 |
| Noncurrent loans to loans | 0.1246% | 6,011 |
| Net loans and leases to total assets | 68.2840% | 2,183 |
| Net loans and leases to deposits | 83.9122% | 1,815 |
| Net loans and leases to core deposits | 85.2565% | 2,408 |
| Total domestic deposits to total assets | 81.3755% | 5,240 |
| Equity capital to assets | 13.4170% | 1,175 |
| Core capital (leverage) ratio | 13.5130% | 972 |
| Tier 1 risk-based capital ratio | 17.7329% | 2,424 |
| Total risk-based capital ratio | 18.9937% | 2,387 |
| Memoranda: | ||
| Average total assets | $173,685,000 | 3,398 |
| Average earning assets | $161,447,000 | 3,370 |
| Average equity | $23,308,000 | 2,834 |
| Average total loans | $126,422,670 | 2,949 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 2,744 |
| Cost of funding earning assets | 0.9815% | 676 |
| Net interest margin | 3.3540% | 4,297 |
| Noninterest income to average assets | 0.4657% | 4,019 |
| Noninterest expense to average assets | 2.5438% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6858% | 3,757 |
| Return on assets (ROA) | 0.6858% | 3,907 |
| Pretax return on assets | 1.0333% | 3,214 |
| Return on Equity (ROE) | 5.1096% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.1096% | 3,169 |
| Net charge-offs to loans | -0.0187% | 5,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1140% | 3,768 |
| Assets per employee ($millions) | 5.3756% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2880% | 1,427 |
| Loan loss allowance to noncurrent loans | 901.2618% | 519 |
| Noncurrent assets plus other real estate owned to assets | 2.7758% | 1,635 |
| Noncurrent loans to loans | 0.2539% | 5,776 |
| Net loans and leases to total assets | 70.9290% | 1,530 |
| Net loans and leases to deposits | 87.8517% | 1,163 |
| Net loans and leases to core deposits | 89.2978% | 1,775 |
| Total domestic deposits to total assets | 80.7371% | 5,560 |
| Equity capital to assets | 13.5705% | 1,188 |
| Core capital (leverage) ratio | 13.2870% | 1,017 |
| Tier 1 risk-based capital ratio | 17.5350% | 2,545 |
| Total risk-based capital ratio | 18.7969% | 2,507 |
| Memoranda: | ||
| Average total assets | $172,654,000 | 3,457 |
| Average earning assets | $160,166,000 | 3,426 |
| Average equity | $23,172,000 | 2,900 |
| Average total loans | $128,238,000 | 2,923 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 3,110 |
| Cost of funding earning assets | 1.2460% | 470 |
| Net interest margin | 3.3272% | 5,149 |
| Noninterest income to average assets | -0.0317% | 6,871 |
| Noninterest expense to average assets | 2.5644% | 4,886 |
| Loan and lease loss provision to assets | 0.0639% | 4,963 |
| Net operating income to assets | 0.2538% | 5,621 |
| Return on assets (ROA) | 0.2538% | 5,828 |
| Pretax return on assets | 0.4020% | 5,572 |
| Return on Equity (ROE) | 2.0185% | 5,894 |
| Retained earnings to average equity (ytd only) | 2.0185% | 4,807 |
| Net charge-offs to loans | 0.4476% | 2,438 |
| Credit loss provision to net charge-offs | 19.2308% | 5,301 |
| Earnings coverage of net charge-offs (x) | 1.4030% | 4,748 |
| Efficiency ratio | 84.6253% | 1,554 |
| Assets per employee ($millions) | 5.4153% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 1,611 |
| Loan loss allowance to noncurrent loans | 869.2073% | 515 |
| Noncurrent assets plus other real estate owned to assets | 2.8444% | 1,684 |
| Noncurrent loans to loans | 0.2492% | 5,856 |
| Net loans and leases to total assets | 74.3017% | 1,153 |
| Net loans and leases to deposits | 93.0311% | 826 |
| Net loans and leases to core deposits | 94.3883% | 1,433 |
| Total domestic deposits to total assets | 79.8676% | 5,702 |
| Equity capital to assets | 13.2727% | 1,321 |
| Core capital (leverage) ratio | 13.1729% | 1,056 |
| Tier 1 risk-based capital ratio | 17.2410% | 2,545 |
| Total risk-based capital ratio | 18.5026% | 2,517 |
| Memoranda: | ||
| Average total assets | $180,083,400 | 3,315 |
| Average earning assets | $165,727,200 | 3,294 |
| Average equity | $22,640,600 | 2,894 |
| Average total loans | $133,598,200 | 2,816 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 3,306 |
| Cost of funding earning assets | 1.2941% | 446 |
| Net interest margin | 3.2812% | 5,449 |
| Noninterest income to average assets | -0.1797% | 7,064 |
| Noninterest expense to average assets | 2.5891% | 4,776 |
| Loan and lease loss provision to assets | 0.0843% | 4,559 |
| Net operating income to assets | 0.1064% | 6,117 |
| Return on assets (ROA) | 0.1064% | 6,260 |
| Pretax return on assets | 0.1614% | 6,183 |
| Return on Equity (ROE) | 0.8573% | 6,273 |
| Retained earnings to average equity (ytd only) | 0.8573% | 5,821 |
| Net charge-offs to loans | 0.5359% | 1,995 |
| Credit loss provision to net charge-offs | 21.3358% | 4,932 |
| Earnings coverage of net charge-offs (x) | 0.6215% | 5,009 |
| Efficiency ratio | 91.3325% | 937 |
| Assets per employee ($millions) | 5.1110% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2111% | 1,687 |
| Loan loss allowance to noncurrent loans | 557.4713% | 690 |
| Noncurrent assets plus other real estate owned to assets | 2.9774% | 1,756 |
| Noncurrent loans to loans | 0.3966% | 5,664 |
| Net loans and leases to total assets | 74.0610% | 1,240 |
| Net loans and leases to deposits | 92.1285% | 961 |
| Net loans and leases to core deposits | 93.6278% | 1,614 |
| Total domestic deposits to total assets | 80.3888% | 5,550 |
| Equity capital to assets | 13.0624% | 1,567 |
| Core capital (leverage) ratio | 12.9774% | 1,199 |
| Tier 1 risk-based capital ratio | 17.0718% | 2,705 |
| Total risk-based capital ratio | 18.3339% | 2,648 |
| Memoranda: | ||
| Average total assets | $181,782,250 | 3,315 |
| Average earning assets | $167,006,250 | 3,307 |
| Average equity | $22,550,750 | 2,930 |
| Average total loans | $134,096,000 | 2,837 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5058% | 3,743 |
| Cost of funding earning assets | 1.3702% | 392 |
| Net interest margin | 3.1356% | 5,901 |
| Noninterest income to average assets | -0.2364% | 7,139 |
| Noninterest expense to average assets | 2.5936% | 4,797 |
| Loan and lease loss provision to assets | 0.1247% | 3,963 |
| Net operating income to assets | -0.0911% | 6,425 |
| Return on assets (ROA) | -0.0911% | 6,536 |
| Pretax return on assets | -0.0813% | 6,507 |
| Return on Equity (ROE) | -0.7466% | 6,520 |
| Retained earnings to average equity (ytd only) | -0.7466% | 6,169 |
| Net charge-offs to loans | 0.5069% | 2,060 |
| Credit loss provision to net charge-offs | 33.6257% | 4,384 |
| Earnings coverage of net charge-offs (x) | 0.1170% | 5,022 |
| Efficiency ratio | 98.3553% | 612 |
| Assets per employee ($millions) | 5.2893% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4235% | 1,380 |
| Loan loss allowance to noncurrent loans | 72.9000% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 5.3183% | 863 |
| Noncurrent loans to loans | 3.3245% | 1,754 |
| Net loans and leases to total assets | 71.6674% | 1,612 |
| Net loans and leases to deposits | 88.7437% | 1,286 |
| Net loans and leases to core deposits | 90.0073% | 1,985 |
| Total domestic deposits to total assets | 80.7577% | 5,542 |
| Equity capital to assets | 12.8715% | 1,580 |
| Core capital (leverage) ratio | 12.3361% | 1,424 |
| Tier 1 risk-based capital ratio | 17.1677% | 2,600 |
| Total risk-based capital ratio | 18.4322% | 2,556 |
| Memoranda: | ||
| Average total assets | $184,452,000 | 3,290 |
| Average earning assets | $169,028,000 | 3,283 |
| Average equity | $22,501,330 | 2,926 |
| Average total loans | $134,925,330 | 2,838 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 3,829 |
| Cost of funding earning assets | 1.4698% | 330 |
| Net interest margin | 3.0530% | 6,175 |
| Noninterest income to average assets | -0.0655% | 7,150 |
| Noninterest expense to average assets | 2.7455% | 4,263 |
| Loan and lease loss provision to assets | 0.1162% | 3,900 |
| Net operating income to assets | -0.1605% | 6,591 |
| Return on assets (ROA) | -0.1605% | 6,655 |
| Pretax return on assets | -0.1415% | 6,625 |
| Return on Equity (ROE) | -1.3500% | 6,645 |
| Retained earnings to average equity (ytd only) | -1.3500% | 6,202 |
| Net charge-offs to loans | 0.9632% | 1,073 |
| Credit loss provision to net charge-offs | 16.5165% | 3,827 |
| Earnings coverage of net charge-offs (x) | -0.0360% | 4,383 |
| Efficiency ratio | 100.9317% | 523 |
| Assets per employee ($millions) | 5.7711% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2966% | 1,682 |
| Loan loss allowance to noncurrent loans | 70.5285% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 5.5189% | 888 |
| Noncurrent loans to loans | 3.2563% | 1,966 |
| Net loans and leases to total assets | 70.3997% | 1,687 |
| Net loans and leases to deposits | 89.9107% | 969 |
| Net loans and leases to core deposits | 93.1611% | 1,533 |
| Total domestic deposits to total assets | 78.2996% | 6,225 |
| Equity capital to assets | 12.1717% | 1,930 |
| Core capital (leverage) ratio | 11.7748% | 1,722 |
| Tier 1 risk-based capital ratio | 16.2132% | 3,064 |
| Total risk-based capital ratio | 17.4753% | 3,017 |
| Memoranda: | ||
| Average total assets | $189,404,000 | 3,241 |
| Average earning assets | $172,813,500 | 3,248 |
| Average equity | $22,518,500 | 2,908 |
| Average total loans | $138,287,500 | 2,806 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 3,163 |
| Cost of funding earning assets | 1.7524% | 256 |
| Net interest margin | 3.1857% | 6,137 |
| Noninterest income to average assets | -0.0134% | 7,022 |
| Noninterest expense to average assets | 2.3315% | 5,974 |
| Loan and lease loss provision to assets | 1.4060% | 550 |
| Net operating income to assets | -0.5550% | 6,527 |
| Return on assets (ROA) | -0.5550% | 6,567 |
| Pretax return on assets | -0.8441% | 6,666 |
| Return on Equity (ROE) | -4.9734% | 6,526 |
| Retained earnings to average equity (ytd only) | -4.9734% | 6,445 |
| Net charge-offs to loans | 2.0146% | 681 |
| Credit loss provision to net charge-offs | 91.0990% | 3,960 |
| Earnings coverage of net charge-offs (x) | 0.3641% | 5,545 |
| Efficiency ratio | 80.5794% | 2,223 |
| Assets per employee ($millions) | 6.0667% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3232% | 1,588 |
| Loan loss allowance to noncurrent loans | 71.6835% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 5.9016% | 837 |
| Noncurrent loans to loans | 3.2409% | 1,995 |
| Net loans and leases to total assets | 72.2053% | 1,613 |
| Net loans and leases to deposits | 94.4868% | 780 |
| Net loans and leases to core deposits | 98.8025% | 1,276 |
| Total domestic deposits to total assets | 76.4184% | 6,429 |
| Equity capital to assets | 11.6203% | 2,408 |
| Core capital (leverage) ratio | 11.3763% | 1,984 |
| Tier 1 risk-based capital ratio | 15.1830% | 3,529 |
| Total risk-based capital ratio | 16.4455% | 3,483 |
| Memoranda: | ||
| Average total assets | $201,630,000 | 3,041 |
| Average earning assets | $183,976,200 | 3,040 |
| Average equity | $22,499,800 | 2,837 |
| Average total loans | $154,471,400 | 2,574 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9900% | 3,138 |
| Cost of funding earning assets | 1.7890% | 273 |
| Net interest margin | 3.2010% | 6,160 |
| Noninterest income to average assets | -0.0668% | 7,184 |
| Noninterest expense to average assets | 2.3658% | 5,864 |
| Loan and lease loss provision to assets | 1.8574% | 320 |
| Net operating income to assets | -0.9048% | 6,845 |
| Return on assets (ROA) | -0.9048% | 6,883 |
| Pretax return on assets | -1.3700% | 6,985 |
| Return on Equity (ROE) | -8.1890% | 6,819 |
| Retained earnings to average equity (ytd only) | -8.1890% | 6,772 |
| Net charge-offs to loans | 2.6698% | 393 |
| Credit loss provision to net charge-offs | 90.0572% | 3,769 |
| Earnings coverage of net charge-offs (x) | 0.2363% | 5,419 |
| Efficiency ratio | 82.9162% | 1,856 |
| Assets per employee ($millions) | 6.1312% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2035% | 1,851 |
| Loan loss allowance to noncurrent loans | 70.4400% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 6.2335% | 843 |
| Noncurrent loans to loans | 3.1282% | 2,225 |
| Net loans and leases to total assets | 74.6052% | 1,217 |
| Net loans and leases to deposits | 97.5580% | 603 |
| Net loans and leases to core deposits | 102.1466% | 1,089 |
| Total domestic deposits to total assets | 76.4727% | 6,461 |
| Equity capital to assets | 11.3615% | 2,807 |
| Core capital (leverage) ratio | 10.9773% | 2,406 |
| Tier 1 risk-based capital ratio | 14.2936% | 4,131 |
| Total risk-based capital ratio | 15.5550% | 4,086 |
| Memoranda: | ||
| Average total assets | $203,504,000 | 3,036 |
| Average earning assets | $185,646,000 | 3,030 |
| Average equity | $22,485,000 | 2,833 |
| Average total loans | $157,212,000 | 2,561 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 2,964 |
| Cost of funding earning assets | 1.8157% | 289 |
| Net interest margin | 3.2255% | 6,078 |
| Noninterest income to average assets | -0.1952% | 7,340 |
| Noninterest expense to average assets | 2.3473% | 6,005 |
| Loan and lease loss provision to assets | 2.7532% | 176 |
| Net operating income to assets | -1.5529% | 7,110 |
| Return on assets (ROA) | -1.5529% | 7,126 |
| Pretax return on assets | -2.3560% | 7,230 |
| Return on Equity (ROE) | -14.1820% | 7,043 |
| Retained earnings to average equity (ytd only) | -14.1820% | 7,010 |
| Net charge-offs to loans | 4.0244% | 203 |
| Credit loss provision to net charge-offs | 88.2078% | 3,512 |
| Earnings coverage of net charge-offs (x) | 0.1273% | 5,202 |
| Efficiency ratio | 85.5272% | 1,647 |
| Assets per employee ($millions) | 6.2532% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1020% | 2,118 |
| Loan loss allowance to noncurrent loans | 65.5711% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 6.4437% | 830 |
| Noncurrent loans to loans | 3.2057% | 2,237 |
| Net loans and leases to total assets | 75.2233% | 1,197 |
| Net loans and leases to deposits | 101.5812% | 420 |
| Net loans and leases to core deposits | 106.7153% | 884 |
| Total domestic deposits to total assets | 74.0524% | 6,841 |
| Equity capital to assets | 11.0343% | 2,917 |
| Core capital (leverage) ratio | 10.8545% | 2,372 |
| Tier 1 risk-based capital ratio | 13.5116% | 4,517 |
| Total risk-based capital ratio | 14.7714% | 4,495 |
| Memoranda: | ||
| Average total assets | $205,939,330 | 3,021 |
| Average earning assets | $187,691,330 | 3,035 |
| Average equity | $22,549,670 | 2,807 |
| Average total loans | $159,725,330 | 2,540 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0871% | 2,701 |
| Cost of funding earning assets | 1.8898% | 261 |
| Net interest margin | 3.1973% | 6,076 |
| Noninterest income to average assets | -0.4003% | 7,481 |
| Noninterest expense to average assets | 2.4993% | 5,557 |
| Loan and lease loss provision to assets | 5.4295% | 52 |
| Net operating income to assets | -3.5718% | 7,429 |
| Return on assets (ROA) | -3.5718% | 7,433 |
| Pretax return on assets | -5.4161% | 7,493 |
| Return on Equity (ROE) | -32.7416% | 7,343 |
| Retained earnings to average equity (ytd only) | -32.7416% | 7,319 |
| Net charge-offs to loans | 7.4783% | 65 |
| Credit loss provision to net charge-offs | 93.1953% | 2,876 |
| Earnings coverage of net charge-offs (x) | 0.0023% | 4,574 |
| Efficiency ratio | 99.4665% | 768 |
| Assets per employee ($millions) | 6.3610% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1670% | 2,033 |
| Loan loss allowance to noncurrent loans | 41.2806% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 7.7622% | 625 |
| Noncurrent loans to loans | 5.2494% | 1,262 |
| Net loans and leases to total assets | 75.4995% | 1,108 |
| Net loans and leases to deposits | 102.6792% | 362 |
| Net loans and leases to core deposits | 107.6108% | 863 |
| Total domestic deposits to total assets | 73.5295% | 6,948 |
| Equity capital to assets | 10.7202% | 2,964 |
| Core capital (leverage) ratio | 10.0918% | 3,050 |
| Tier 1 risk-based capital ratio | 13.0566% | 4,786 |
| Total risk-based capital ratio | 14.3175% | 4,758 |
| Memoranda: | ||
| Average total assets | $208,857,500 | 3,002 |
| Average earning assets | $190,287,000 | 3,007 |
| Average equity | $22,784,500 | 2,769 |
| Average total loans | $162,710,000 | 2,525 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4189% | 2,587 |
| Cost of funding earning assets | 2.1977% | 306 |
| Net interest margin | 3.2212% | 6,219 |
| Noninterest income to average assets | -0.1728% | 7,456 |
| Noninterest expense to average assets | 2.0880% | 6,876 |
| Loan and lease loss provision to assets | 0.3776% | 3,855 |
| Net operating income to assets | 0.2167% | 5,226 |
| Return on assets (ROA) | 0.2165% | 5,380 |
| Pretax return on assets | 0.3374% | 5,121 |
| Return on Equity (ROE) | 2.1337% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.1337% | 4,394 |
| Net charge-offs to loans | 0.6618% | 3,023 |
| Credit loss provision to net charge-offs | 68.9818% | 5,893 |
| Earnings coverage of net charge-offs (x) | 1.3070% | 4,795 |
| Efficiency ratio | 74.4799% | 3,300 |
| Assets per employee ($millions) | 6.9085% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1451% | 1,971 |
| Loan loss allowance to noncurrent loans | 44.8182% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 7.6147% | 677 |
| Noncurrent loans to loans | 4.7863% | 1,441 |
| Net loans and leases to total assets | 76.9154% | 1,107 |
| Net loans and leases to deposits | 107.9506% | 272 |
| Net loans and leases to core deposits | 113.3369% | 755 |
| Total domestic deposits to total assets | 71.2505% | 7,155 |
| Equity capital to assets | 11.0887% | 2,611 |
| Core capital (leverage) ratio | 10.8304% | 2,284 |
| Tier 1 risk-based capital ratio | 13.6504% | 4,096 |
| Total risk-based capital ratio | 14.9108% | 4,062 |
| Memoranda: | ||
| Average total assets | $231,460,800 | 2,733 |
| Average earning assets | $213,863,000 | 2,701 |
| Average equity | $23,479,800 | 2,704 |
| Average total loans | $191,457,000 | 2,236 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4338% | 2,728 |
| Cost of funding earning assets | 2.2514% | 321 |
| Net interest margin | 3.1824% | 6,403 |
| Noninterest income to average assets | -0.0294% | 7,482 |
| Noninterest expense to average assets | 2.1143% | 6,819 |
| Loan and lease loss provision to assets | 0.3676% | 3,697 |
| Net operating income to assets | 0.2808% | 5,237 |
| Return on assets (ROA) | 0.2805% | 5,401 |
| Pretax return on assets | 0.4377% | 5,119 |
| Return on Equity (ROE) | 2.8246% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.8246% | 4,449 |
| Net charge-offs to loans | 0.7078% | 2,650 |
| Credit loss provision to net charge-offs | 62.0821% | 5,638 |
| Earnings coverage of net charge-offs (x) | 1.3610% | 4,716 |
| Efficiency ratio | 72.4051% | 3,626 |
| Assets per employee ($millions) | 7.0615% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 2,230 |
| Loan loss allowance to noncurrent loans | 42.3804% | 5,464 |
| Noncurrent assets plus other real estate owned to assets | 7.5159% | 695 |
| Noncurrent loans to loans | 4.7124% | 1,510 |
| Net loans and leases to total assets | 80.8573% | 634 |
| Net loans and leases to deposits | 112.9653% | 204 |
| Net loans and leases to core deposits | 120.4577% | 595 |
| Total domestic deposits to total assets | 71.5771% | 7,175 |
| Equity capital to assets | 10.8475% | 3,117 |
| Core capital (leverage) ratio | 10.4496% | 2,744 |
| Tier 1 risk-based capital ratio | 12.7049% | 4,810 |
| Total risk-based capital ratio | 13.9633% | 4,782 |
| Memoranda: | ||
| Average total assets | $235,785,000 | 2,717 |
| Average earning assets | $218,528,250 | 2,685 |
| Average equity | $23,412,750 | 2,759 |
| Average total loans | $197,237,250 | 2,217 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 2,778 |
| Cost of funding earning assets | 2.2814% | 357 |
| Net interest margin | 3.1623% | 6,426 |
| Noninterest income to average assets | -0.1268% | 7,643 |
| Noninterest expense to average assets | 2.0148% | 7,084 |
| Loan and lease loss provision to assets | 0.5385% | 2,631 |
| Net operating income to assets | 0.1497% | 5,721 |
| Return on assets (ROA) | 0.1491% | 5,841 |
| Pretax return on assets | 0.2543% | 5,643 |
| Return on Equity (ROE) | 1.5450% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.5450% | 5,095 |
| Net charge-offs to loans | 0.8117% | 2,223 |
| Credit loss provision to net charge-offs | 78.9793% | 4,731 |
| Earnings coverage of net charge-offs (x) | 1.1640% | 4,632 |
| Efficiency ratio | 71.7404% | 3,860 |
| Assets per employee ($millions) | 7.8019% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 2,256 |
| Loan loss allowance to noncurrent loans | 52.1721% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 6.6266% | 829 |
| Noncurrent loans to loans | 3.7756% | 2,051 |
| Net loans and leases to total assets | 81.4574% | 601 |
| Net loans and leases to deposits | 115.7048% | 181 |
| Net loans and leases to core deposits | 124.2083% | 566 |
| Total domestic deposits to total assets | 70.4011% | 7,302 |
| Equity capital to assets | 9.9886% | 4,038 |
| Core capital (leverage) ratio | 9.8201% | 3,373 |
| Tier 1 risk-based capital ratio | 11.6967% | 5,587 |
| Total risk-based capital ratio | 12.9553% | 5,540 |
| Memoranda: | ||
| Average total assets | $241,410,670 | 2,689 |
| Average earning assets | $224,077,330 | 2,638 |
| Average equity | $23,301,670 | 2,760 |
| Average total loans | $202,779,670 | 2,186 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4567% | 2,798 |
| Cost of funding earning assets | 2.3178% | 410 |
| Net interest margin | 3.1389% | 6,490 |
| Noninterest income to average assets | 0.1926% | 6,588 |
| Noninterest expense to average assets | 1.9650% | 7,222 |
| Loan and lease loss provision to assets | 0.4896% | 2,542 |
| Net operating income to assets | 0.2573% | 5,462 |
| Return on assets (ROA) | 0.2562% | 5,597 |
| Pretax return on assets | 0.6561% | 4,385 |
| Return on Equity (ROE) | 2.6996% | 5,477 |
| Retained earnings to average equity (ytd only) | 2.6996% | 4,518 |
| Net charge-offs to loans | 0.8467% | 1,841 |
| Credit loss provision to net charge-offs | 68.4932% | 4,138 |
| Earnings coverage of net charge-offs (x) | 1.6050% | 3,765 |
| Efficiency ratio | 63.1358% | 5,637 |
| Assets per employee ($millions) | 7.8640% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 2,416 |
| Loan loss allowance to noncurrent loans | 48.9367% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 6.5845% | 863 |
| Noncurrent loans to loans | 3.9004% | 2,026 |
| Net loans and leases to total assets | 81.4976% | 646 |
| Net loans and leases to deposits | 114.8766% | 198 |
| Net loans and leases to core deposits | 125.5866% | 596 |
| Total domestic deposits to total assets | 70.9435% | 7,348 |
| Equity capital to assets | 9.5728% | 4,420 |
| Core capital (leverage) ratio | 9.5327% | 3,716 |
| Tier 1 risk-based capital ratio | 11.3426% | 5,819 |
| Total risk-based capital ratio | 12.6003% | 5,784 |
| Memoranda: | ||
| Average total assets | $245,088,000 | 2,695 |
| Average earning assets | $227,978,500 | 2,655 |
| Average equity | $23,263,000 | 2,798 |
| Average total loans | $206,926,000 | 2,209 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6650% | 3,276 |
| Cost of funding earning assets | 2.7895% | 459 |
| Net interest margin | 2.8755% | 6,906 |
| Noninterest income to average assets | 0.1643% | 6,899 |
| Noninterest expense to average assets | 1.7827% | 7,626 |
| Loan and lease loss provision to assets | 0.3471% | 4,720 |
| Net operating income to assets | 0.4853% | 3,794 |
| Return on assets (ROA) | 0.4771% | 3,930 |
| Pretax return on assets | 0.7421% | 3,435 |
| Return on Equity (ROE) | 5.4331% | 3,462 |
| Retained earnings to average equity (ytd only) | 4.5810% | 2,049 |
| Net charge-offs to loans | 0.4211% | 4,114 |
| Credit loss provision to net charge-offs | 91.2779% | 5,965 |
| Earnings coverage of net charge-offs (x) | 2.8976% | 3,638 |
| Efficiency ratio | 61.7997% | 6,188 |
| Assets per employee ($millions) | 7.9481% | 527 |
| Cash dividends to net income (ytd only)* | 15.6831% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,271 |
| Loan loss allowance to noncurrent loans | 39.0139% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 6.5741% | 825 |
| Noncurrent loans to loans | 4.8569% | 1,408 |
| Net loans and leases to total assets | 84.1358% | 415 |
| Net loans and leases to deposits | 118.7798% | 190 |
| Net loans and leases to core deposits | 138.0618% | 877 |
| Total domestic deposits to total assets | 70.8335% | 7,351 |
| Equity capital to assets | 9.4114% | 4,537 |
| Core capital (leverage) ratio | 9.2573% | 4,042 |
| Tier 1 risk-based capital ratio | 10.8774% | 6,033 |
| Total risk-based capital ratio | 12.1354% | 6,001 |
| Memoranda: | ||
| Average total assets | $259,265,400 | 2,520 |
| Average earning assets | $245,278,600 | 2,450 |
| Average equity | $22,767,800 | 2,856 |
| Average total loans | $234,146,200 | 2,001 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7386% | 3,146 |
| Cost of funding earning assets | 2.8661% | 507 |
| Net interest margin | 2.8725% | 6,916 |
| Noninterest income to average assets | 0.1737% | 6,971 |
| Noninterest expense to average assets | 1.7077% | 7,759 |
| Loan and lease loss provision to assets | 0.2286% | 5,145 |
| Net operating income to assets | 0.6220% | 3,529 |
| Return on assets (ROA) | 0.6111% | 3,618 |
| Pretax return on assets | 0.9473% | 3,066 |
| Return on Equity (ROE) | 7.0776% | 3,039 |
| Retained earnings to average equity (ytd only) | 5.9362% | 1,981 |
| Net charge-offs to loans | 0.1012% | 5,661 |
| Credit loss provision to net charge-offs | 247.2527% | 1,749 |
| Earnings coverage of net charge-offs (x) | 12.9011% | 1,719 |
| Efficiency ratio | 58.8792% | 6,579 |
| Assets per employee ($millions) | 8.2296% | 473 |
| Cash dividends to net income (ytd only)* | 16.1263% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 1,949 |
| Loan loss allowance to noncurrent loans | 51.3915% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 5.4512% | 1,054 |
| Noncurrent loans to loans | 3.7621% | 1,979 |
| Net loans and leases to total assets | 86.6454% | 302 |
| Net loans and leases to deposits | 124.0343% | 148 |
| Net loans and leases to core deposits | 145.8694% | 690 |
| Total domestic deposits to total assets | 69.8560% | 7,427 |
| Equity capital to assets | 9.1079% | 5,319 |
| Core capital (leverage) ratio | 8.9402% | 4,747 |
| Tier 1 risk-based capital ratio | 10.3067% | 6,671 |
| Total risk-based capital ratio | 11.5651% | 6,609 |
| Memoranda: | ||
| Average total assets | $262,483,750 | 2,507 |
| Average earning assets | $249,161,500 | 2,435 |
| Average equity | $22,662,500 | 2,892 |
| Average total loans | $239,855,750 | 1,976 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7948% | 3,072 |
| Cost of funding earning assets | 2.9457% | 546 |
| Net interest margin | 2.8491% | 6,917 |
| Noninterest income to average assets | 0.1691% | 7,080 |
| Noninterest expense to average assets | 1.6683% | 7,865 |
| Loan and lease loss provision to assets | 0.2642% | 4,464 |
| Net operating income to assets | 0.6146% | 3,622 |
| Return on assets (ROA) | 0.6107% | 3,741 |
| Pretax return on assets | 0.9474% | 3,189 |
| Return on Equity (ROE) | 7.2003% | 3,111 |
| Retained earnings to average equity (ytd only) | 5.4736% | 2,257 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8080% | 6,887 |
| Assets per employee ($millions) | 8.2917% | 443 |
| Cash dividends to net income (ytd only)* | 23.9802% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 1,845 |
| Loan loss allowance to noncurrent loans | 55.6740% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 4.2888% | 1,346 |
| Noncurrent loans to loans | 3.3763% | 2,085 |
| Net loans and leases to total assets | 90.1650% | 122 |
| Net loans and leases to deposits | 124.4874% | 171 |
| Net loans and leases to core deposits | 145.2152% | 788 |
| Total domestic deposits to total assets | 72.4290% | 7,198 |
| Equity capital to assets | 8.8791% | 5,482 |
| Core capital (leverage) ratio | 8.6146% | 5,240 |
| Tier 1 risk-based capital ratio | 10.0006% | 6,925 |
| Total risk-based capital ratio | 11.2591% | 6,841 |
| Memoranda: | ||
| Average total assets | $264,938,670 | 2,491 |
| Average earning assets | $252,641,330 | 2,418 |
| Average equity | $22,471,330 | 2,920 |
| Average total loans | $244,672,000 | 1,971 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9913% | 2,399 |
| Cost of funding earning assets | 3.0299% | 572 |
| Net interest margin | 2.9614% | 6,582 |
| Noninterest income to average assets | 0.1116% | 7,479 |
| Noninterest expense to average assets | 1.6780% | 7,846 |
| Loan and lease loss provision to assets | 0.3719% | 3,095 |
| Net operating income to assets | 0.5327% | 4,285 |
| Return on assets (ROA) | 0.5251% | 4,503 |
| Pretax return on assets | 0.8807% | 3,792 |
| Return on Equity (ROE) | 6.3331% | 3,885 |
| Retained earnings to average equity (ytd only) | 2.8526% | 4,284 |
| Net charge-offs to loans | 0.0032% | 5,684 |
| Credit loss provision to net charge-offs | 12,500.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 425.0000% | 80 |
| Efficiency ratio | 57.0273% | 6,820 |
| Assets per employee ($millions) | 8.8582% | 375 |
| Cash dividends to net income (ytd only)* | 54.9575% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 1,944 |
| Loan loss allowance to noncurrent loans | 85.9180% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 2.5084% | 2,290 |
| Noncurrent loans to loans | 2.0536% | 3,190 |
| Net loans and leases to total assets | 90.8826% | 103 |
| Net loans and leases to deposits | 126.8592% | 178 |
| Net loans and leases to core deposits | 146.7386% | 823 |
| Total domestic deposits to total assets | 71.6406% | 7,260 |
| Equity capital to assets | 8.4167% | 6,207 |
| Core capital (leverage) ratio | 8.2897% | 5,924 |
| Tier 1 risk-based capital ratio | 9.4405% | 7,479 |
| Total risk-based capital ratio | 10.6977% | 7,422 |
| Memoranda: | ||
| Average total assets | $268,887,000 | 2,476 |
| Average earning assets | $257,040,500 | 2,394 |
| Average equity | $22,295,500 | 2,946 |
| Average total loans | $248,907,000 | 1,971 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6831% | 2,090 |
| Cost of funding earning assets | 3.6466% | 319 |
| Net interest margin | 3.0364% | 6,820 |
| Noninterest income to average assets | 0.2410% | 6,720 |
| Noninterest expense to average assets | 1.5761% | 7,985 |
| Loan and lease loss provision to assets | 1.8730% | 665 |
| Net operating income to assets | -0.1822% | 6,597 |
| Return on assets (ROA) | -0.1642% | 6,422 |
| Pretax return on assets | -0.2631% | 6,426 |
| Return on Equity (ROE) | -1.8594% | 6,483 |
| Retained earnings to average equity (ytd only) | -3.6672% | 6,258 |
| Net charge-offs to loans | 0.9135% | 1,355 |
| Credit loss provision to net charge-offs | 222.4379% | 2,145 |
| Earnings coverage of net charge-offs (x) | 1.8786% | 5,130 |
| Efficiency ratio | 49.9097% | 7,669 |
| Assets per employee ($millions) | 9.0676% | 338 |
| Cash dividends to net income (ytd only)* | -97.2222% | 8,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,145 |
| Loan loss allowance to noncurrent loans | 128.9814% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.8678% | 2,634 |
| Noncurrent loans to loans | 1.2585% | 3,996 |
| Net loans and leases to total assets | 91.1189% | 125 |
| Net loans and leases to deposits | 127.6215% | 247 |
| Net loans and leases to core deposits | 150.8205% | 825 |
| Total domestic deposits to total assets | 71.3978% | 7,105 |
| Equity capital to assets | 8.1697% | 6,597 |
| Core capital (leverage) ratio | 8.2636% | 6,022 |
| Tier 1 risk-based capital ratio | 9.1865% | 7,630 |
| Total risk-based capital ratio | 10.4418% | 7,580 |
| Memoranda: | ||
| Average total assets | $263,053,600 | 2,434 |
| Average earning assets | $252,698,000 | 2,349 |
| Average equity | $23,233,200 | 2,821 |
| Average total loans | $242,462,400 | 1,951 |