Home > Guaranty Bank & Trust Company of Delhi, Louisiana > Performance and Condition Ratios
Guaranty Bank & Trust Company of Delhi, Louisiana, 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 | 6.3100% | 430 |
| Cost of funding earning assets | 1.9995% | 917 |
| Net interest margin | 4.3105% | 800 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.6628% | 1,840 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.8415% | 574 |
| Return on assets (ROA) | 1.8415% | 557 |
| Pretax return on assets | 1.8415% | 842 |
| Return on Equity (ROE) | 21.8000% | 470 |
| Retained earnings to average equity (ytd only) | 5.5018% | 2,406 |
| Net charge-offs to loans | 0.0796% | 1,068 |
| Credit loss provision to net charge-offs | 224.0175% | 1,143 |
| Earnings coverage of net charge-offs (x) | 32.4672% | 1,588 |
| Efficiency ratio | 57.3779% | 3,357 |
| Assets per employee ($millions) | 5.2807% | 3,409 |
| Cash dividends to net income (ytd only)* | 74.7616% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 3,171 |
| Loan loss allowance to noncurrent loans | 63.1686% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 304 |
| Noncurrent loans to loans | 1.6288% | 396 |
| Net loans and leases to total assets | 75.1400% | 1,223 |
| Net loans and leases to deposits | 89.1252% | 1,331 |
| Net loans and leases to core deposits | 117.6727% | 696 |
| Total domestic deposits to total assets | 84.3100% | 2,534 |
| Equity capital to assets | 8.2241% | 3,261 |
| Core capital (leverage) ratio | 8.4936% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2883% | 1,445 |
| Memoranda: | ||
| Average total assets | $375,882,600 | 2,093 |
| Average earning assets | $357,638,400 | 2,056 |
| Average equity | $31,753,200 | 2,190 |
| Average total loans | $287,681,200 | 1,837 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1517% | 442 |
| Cost of funding earning assets | 1.8303% | 959 |
| Net interest margin | 4.3214% | 783 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.6843% | 1,713 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.8156% | 647 |
| Return on assets (ROA) | 1.8156% | 640 |
| Pretax return on assets | 1.8156% | 992 |
| Return on Equity (ROE) | 20.8900% | 649 |
| Retained earnings to average equity (ytd only) | 6.7452% | 2,379 |
| Net charge-offs to loans | 0.0478% | 1,208 |
| Credit loss provision to net charge-offs | 19.6078% | 2,016 |
| Earnings coverage of net charge-offs (x) | 49.8039% | 1,320 |
| Efficiency ratio | 59.5574% | 3,018 |
| Assets per employee ($millions) | 5.1550% | 3,473 |
| Cash dividends to net income (ytd only)* | 67.7075% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5848% | 4,289 |
| Loan loss allowance to noncurrent loans | 47.5902% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 551 |
| Noncurrent loans to loans | 1.2288% | 635 |
| Net loans and leases to total assets | 75.9800% | 1,123 |
| Net loans and leases to deposits | 90.9404% | 1,149 |
| Net loans and leases to core deposits | 116.3547% | 650 |
| Total domestic deposits to total assets | 83.5500% | 2,889 |
| Equity capital to assets | 8.5490% | 2,698 |
| Core capital (leverage) ratio | 8.9557% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3122% | 1,470 |
| Memoranda: | ||
| Average total assets | $371,589,750 | 2,118 |
| Average earning assets | $353,952,000 | 2,075 |
| Average equity | $32,298,500 | 2,158 |
| Average total loans | $284,424,750 | 1,854 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9621% | 463 |
| Cost of funding earning assets | 1.6522% | 964 |
| Net interest margin | 4.3099% | 794 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.6679% | 1,727 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8599% | 602 |
| Return on assets (ROA) | 1.8599% | 596 |
| Pretax return on assets | 1.8599% | 920 |
| Return on Equity (ROE) | 21.2800% | 598 |
| Retained earnings to average equity (ytd only) | 7.6138% | 2,093 |
| Net charge-offs to loans | 0.0442% | 1,064 |
| Credit loss provision to net charge-offs | 11.2903% | 1,792 |
| Earnings coverage of net charge-offs (x) | 55.0968% | 1,231 |
| Efficiency ratio | 58.8731% | 3,092 |
| Assets per employee ($millions) | 4.9385% | 3,645 |
| Cash dividends to net income (ytd only)* | 64.2124% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6038% | 4,300 |
| Loan loss allowance to noncurrent loans | 54.4524% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9209% | 532 |
| Noncurrent loans to loans | 1.1089% | 642 |
| Net loans and leases to total assets | 80.1300% | 614 |
| Net loans and leases to deposits | 91.0056% | 1,111 |
| Net loans and leases to core deposits | 117.9106% | 573 |
| Total domestic deposits to total assets | 88.0500% | 1,580 |
| Equity capital to assets | 9.0141% | 2,511 |
| Core capital (leverage) ratio | 9.2025% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3757% | 1,462 |
| Memoranda: | ||
| Average total assets | $366,577,000 | 2,141 |
| Average earning assets | $349,844,000 | 2,096 |
| Average equity | $32,047,000 | 2,185 |
| Average total loans | $280,736,333 | 1,863 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8023% | 414 |
| Cost of funding earning assets | 1.4264% | 979 |
| Net interest margin | 4.3759% | 717 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.7467% | 1,556 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.8149% | 652 |
| Return on assets (ROA) | 1.8149% | 641 |
| Pretax return on assets | 1.8149% | 1,044 |
| Return on Equity (ROE) | 21.0800% | 654 |
| Retained earnings to average equity (ytd only) | 21.0798% | 318 |
| Net charge-offs to loans | 0.0711% | 722 |
| Credit loss provision to net charge-offs | 14.2857% | 1,389 |
| Earnings coverage of net charge-offs (x) | 34.3673% | 1,252 |
| Efficiency ratio | 60.1137% | 2,946 |
| Assets per employee ($millions) | 5.0985% | 3,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6243% | 4,334 |
| Loan loss allowance to noncurrent loans | 154.9518% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 1,528 |
| Noncurrent loans to loans | 0.4029% | 1,725 |
| Net loans and leases to total assets | 74.5900% | 1,127 |
| Net loans and leases to deposits | 84.2758% | 1,479 |
| Net loans and leases to core deposits | 107.9598% | 756 |
| Total domestic deposits to total assets | 88.5100% | 1,734 |
| Equity capital to assets | 8.7418% | 2,702 |
| Core capital (leverage) ratio | 9.2790% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8609% | 1,405 |
| Memoranda: | ||
| Average total assets | $369,609,000 | 2,159 |
| Average earning assets | $351,930,500 | 2,109 |
| Average equity | $31,822,000 | 2,222 |
| Average total loans | $275,786,500 | 1,904 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9539% | 323 |
| Cost of funding earning assets | 0.5040% | 1,361 |
| Net interest margin | 4.4499% | 322 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.7236% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9846% | 308 |
| Return on assets (ROA) | 1.9846% | 294 |
| Pretax return on assets | 1.9846% | 493 |
| Return on Equity (ROE) | 23.0000% | 280 |
| Retained earnings to average equity (ytd only) | 6.7346% | 2,349 |
| Net charge-offs to loans | 0.0288% | 1,489 |
| Credit loss provision to net charge-offs | 21.4286% | 1,930 |
| Earnings coverage of net charge-offs (x) | 99.6286% | 976 |
| Efficiency ratio | 57.7947% | 3,369 |
| Assets per employee ($millions) | 5.4838% | 3,234 |
| Cash dividends to net income (ytd only)* | 70.7142% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 4,243 |
| Loan loss allowance to noncurrent loans | 398.4581% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 2,592 |
| Noncurrent loans to loans | 0.1692% | 2,639 |
| Net loans and leases to total assets | 73.6500% | 1,253 |
| Net loans and leases to deposits | 83.0249% | 1,539 |
| Net loans and leases to core deposits | 100.6490% | 967 |
| Total domestic deposits to total assets | 88.7100% | 1,809 |
| Equity capital to assets | 8.4719% | 2,725 |
| Core capital (leverage) ratio | 8.9686% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7272% | 1,426 |
| Memoranda: | ||
| Average total assets | $350,644,600 | 2,224 |
| Average earning assets | $331,960,800 | 2,189 |
| Average equity | $30,261,600 | 2,324 |
| Average total loans | $242,825,000 | 1,986 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 309 |
| Cost of funding earning assets | 0.3854% | 1,396 |
| Net interest margin | 4.3762% | 290 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.7450% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8745% | 367 |
| Return on assets (ROA) | 1.8745% | 359 |
| Pretax return on assets | 1.8745% | 625 |
| Return on Equity (ROE) | 21.6200% | 314 |
| Retained earnings to average equity (ytd only) | 8.4565% | 1,833 |
| Net charge-offs to loans | 0.0333% | 1,184 |
| Credit loss provision to net charge-offs | 13.5593% | 1,651 |
| Earnings coverage of net charge-offs (x) | 83.0169% | 1,026 |
| Efficiency ratio | 59.3830% | 3,201 |
| Assets per employee ($millions) | 5.0194% | 3,655 |
| Cash dividends to net income (ytd only)* | 60.8793% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,209 |
| Loan loss allowance to noncurrent loans | 173.2314% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2894% | 1,795 |
| Noncurrent loans to loans | 0.4213% | 1,758 |
| Net loans and leases to total assets | 68.2000% | 1,655 |
| Net loans and leases to deposits | 77.0570% | 1,791 |
| Net loans and leases to core deposits | 92.9789% | 1,144 |
| Total domestic deposits to total assets | 88.5100% | 2,274 |
| Equity capital to assets | 8.3861% | 2,612 |
| Core capital (leverage) ratio | 9.2491% | 3,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7339% | 1,226 |
| Memoranda: | ||
| Average total assets | $347,823,750 | 2,244 |
| Average earning assets | $329,016,750 | 2,209 |
| Average equity | $30,161,500 | 2,362 |
| Average total loans | $236,435,750 | 2,017 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 297 |
| Cost of funding earning assets | 0.3335% | 1,408 |
| Net interest margin | 4.2813% | 285 |
| Noninterest income to average assets | 0.5185% | 2,093 |
| Noninterest expense to average assets | 2.7457% | 1,282 |
| Loan and lease loss provision to assets | 0.0017% | 2,577 |
| Net operating income to assets | 1.8246% | 321 |
| Return on assets (ROA) | 1.8246% | 316 |
| Pretax return on assets | 1.8246% | 561 |
| Return on Equity (ROE) | 20.8016% | 257 |
| Retained earnings to average equity (ytd only) | 9.8097% | 1,069 |
| Net charge-offs to loans | 0.0542% | 851 |
| Credit loss provision to net charge-offs | 4.7619% | 1,647 |
| Earnings coverage of net charge-offs (x) | 49.7619% | 1,161 |
| Efficiency ratio | 60.0535% | 3,288 |
| Assets per employee ($millions) | 4.6521% | 3,967 |
| Cash dividends to net income (ytd only)* | 52.8416% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 4,268 |
| Loan loss allowance to noncurrent loans | 138.5857% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 1,486 |
| Noncurrent loans to loans | 0.5363% | 1,545 |
| Net loans and leases to total assets | 69.9480% | 1,300 |
| Net loans and leases to deposits | 79.7523% | 1,404 |
| Net loans and leases to core deposits | 97.5215% | 777 |
| Total domestic deposits to total assets | 87.7066% | 2,693 |
| Equity capital to assets | 8.8399% | 2,511 |
| Core capital (leverage) ratio | 9.1485% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8573% | 1,211 |
| Memoranda: | ||
| Average total assets | $343,299,667 | 2,276 |
| Average earning assets | $325,045,000 | 2,253 |
| Average equity | $30,113,000 | 2,415 |
| Average total loans | $232,485,000 | 2,038 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 334 |
| Cost of funding earning assets | 0.3258% | 1,408 |
| Net interest margin | 4.1437% | 312 |
| Noninterest income to average assets | 0.4002% | 2,688 |
| Noninterest expense to average assets | 2.7968% | 1,165 |
| Loan and lease loss provision to assets | 0.0035% | 2,240 |
| Net operating income to assets | 1.5180% | 603 |
| Return on assets (ROA) | 1.5180% | 595 |
| Pretax return on assets | 1.5180% | 983 |
| Return on Equity (ROE) | 17.3736% | 383 |
| Retained earnings to average equity (ytd only) | 17.3736% | 161 |
| Net charge-offs to loans | 0.0070% | 1,497 |
| Credit loss provision to net charge-offs | 75.0000% | 1,120 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 299 |
| Efficiency ratio | 64.7663% | 2,939 |
| Assets per employee ($millions) | 4.7270% | 3,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 4,243 |
| Loan loss allowance to noncurrent loans | 159.7770% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 1,757 |
| Noncurrent loans to loans | 0.5007% | 1,773 |
| Net loans and leases to total assets | 66.9395% | 1,316 |
| Net loans and leases to deposits | 76.4189% | 1,406 |
| Net loans and leases to core deposits | 93.2878% | 761 |
| Total domestic deposits to total assets | 87.5954% | 2,708 |
| Equity capital to assets | 8.8486% | 2,843 |
| Core capital (leverage) ratio | 9.1843% | 3,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2919% | 1,190 |
| Memoranda: | ||
| Average total assets | $342,821,000 | 2,290 |
| Average earning assets | $324,156,500 | 2,268 |
| Average equity | $29,953,500 | 2,485 |
| Average total loans | $227,425,500 | 2,065 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 535 |
| Cost of funding earning assets | 0.4411% | 1,253 |
| Net interest margin | 4.1269% | 562 |
| Noninterest income to average assets | 1.4514% | 530 |
| Noninterest expense to average assets | 2.9494% | 1,064 |
| Loan and lease loss provision to assets | 0.0150% | 2,783 |
| Net operating income to assets | 2.3933% | 179 |
| Return on assets (ROA) | 2.3933% | 183 |
| Pretax return on assets | 2.3933% | 301 |
| Return on Equity (ROE) | 28.8787% | 78 |
| Retained earnings to average equity (ytd only) | 14.5533% | 263 |
| Net charge-offs to loans | 0.1284% | 713 |
| Credit loss provision to net charge-offs | 17.8571% | 2,280 |
| Earnings coverage of net charge-offs (x) | 28.6750% | 1,642 |
| Efficiency ratio | 55.0498% | 3,811 |
| Assets per employee ($millions) | 4.4812% | 4,129 |
| Cash dividends to net income (ytd only)* | 49.6052% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8396% | 4,199 |
| Loan loss allowance to noncurrent loans | 244.2988% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 2,436 |
| Noncurrent loans to loans | 0.3437% | 2,346 |
| Net loans and leases to total assets | 64.6371% | 1,629 |
| Net loans and leases to deposits | 73.7460% | 1,737 |
| Net loans and leases to core deposits | 89.7781% | 982 |
| Total domestic deposits to total assets | 87.6483% | 2,223 |
| Equity capital to assets | 8.6247% | 3,964 |
| Core capital (leverage) ratio | 8.4650% | 3,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8290% | 1,305 |
| Memoranda: | ||
| Average total assets | $333,394,000 | 2,276 |
| Average earning assets | $315,565,800 | 2,252 |
| Average equity | $27,629,400 | 2,673 |
| Average total loans | $218,081,000 | 2,114 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 632 |
| Cost of funding earning assets | 0.4704% | 1,211 |
| Net interest margin | 4.0650% | 694 |
| Noninterest income to average assets | 1.6984% | 442 |
| Noninterest expense to average assets | 2.9722% | 1,018 |
| Loan and lease loss provision to assets | 0.0202% | 2,590 |
| Net operating income to assets | 2.5560% | 200 |
| Return on assets (ROA) | 2.5560% | 204 |
| Pretax return on assets | 2.5560% | 310 |
| Return on Equity (ROE) | 31.1684% | 80 |
| Retained earnings to average equity (ytd only) | 17.6214% | 215 |
| Net charge-offs to loans | 0.1652% | 513 |
| Credit loss provision to net charge-offs | 18.5874% | 1,996 |
| Earnings coverage of net charge-offs (x) | 23.8178% | 1,658 |
| Efficiency ratio | 53.5691% | 3,861 |
| Assets per employee ($millions) | 4.3605% | 4,221 |
| Cash dividends to net income (ytd only)* | 43.4639% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 4,221 |
| Loan loss allowance to noncurrent loans | 276.4012% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 2,380 |
| Noncurrent loans to loans | 0.3161% | 2,648 |
| Net loans and leases to total assets | 63.3301% | 1,858 |
| Net loans and leases to deposits | 72.6829% | 1,992 |
| Net loans and leases to core deposits | 89.6669% | 1,051 |
| Total domestic deposits to total assets | 87.1321% | 2,301 |
| Equity capital to assets | 8.6622% | 4,095 |
| Core capital (leverage) ratio | 8.6769% | 3,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3044% | 1,288 |
| Memoranda: | ||
| Average total assets | $331,600,250 | 2,306 |
| Average earning assets | $314,056,000 | 2,279 |
| Average equity | $27,193,500 | 2,736 |
| Average total loans | $217,101,750 | 2,153 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 691 |
| Cost of funding earning assets | 0.4928% | 1,241 |
| Net interest margin | 4.0438% | 763 |
| Noninterest income to average assets | 1.0199% | 1,040 |
| Noninterest expense to average assets | 2.9308% | 1,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9260% | 560 |
| Return on assets (ROA) | 1.9260% | 582 |
| Pretax return on assets | 1.9260% | 959 |
| Return on Equity (ROE) | 23.9428% | 234 |
| Retained earnings to average equity (ytd only) | 11.0604% | 1,109 |
| Net charge-offs to loans | 0.1808% | 469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 16.1421% | 1,610 |
| Efficiency ratio | 60.3442% | 2,969 |
| Assets per employee ($millions) | 4.3797% | 4,198 |
| Cash dividends to net income (ytd only)* | 53.8050% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,181 |
| Loan loss allowance to noncurrent loans | 229.3833% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 2,100 |
| Noncurrent loans to loans | 0.3876% | 2,513 |
| Net loans and leases to total assets | 61.8972% | 2,192 |
| Net loans and leases to deposits | 70.4580% | 2,363 |
| Net loans and leases to core deposits | 82.7528% | 1,657 |
| Total domestic deposits to total assets | 87.8498% | 1,913 |
| Equity capital to assets | 7.8908% | 4,582 |
| Core capital (leverage) ratio | 8.1787% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0472% | 1,613 |
| Memoranda: | ||
| Average total assets | $330,214,333 | 2,306 |
| Average earning assets | $313,319,000 | 2,270 |
| Average equity | $26,563,333 | 2,777 |
| Average total loans | $217,965,667 | 2,157 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 656 |
| Cost of funding earning assets | 0.5308% | 1,199 |
| Net interest margin | 4.0735% | 758 |
| Noninterest income to average assets | 1.0292% | 1,092 |
| Noninterest expense to average assets | 2.8350% | 1,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0535% | 529 |
| Return on assets (ROA) | 2.0535% | 567 |
| Pretax return on assets | 2.0535% | 868 |
| Return on Equity (ROE) | 25.2740% | 248 |
| Retained earnings to average equity (ytd only) | 25.2740% | 137 |
| Net charge-offs to loans | 0.0545% | 963 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 55.5333% | 858 |
| Efficiency ratio | 57.9929% | 3,299 |
| Assets per employee ($millions) | 4.2425% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 4,061 |
| Loan loss allowance to noncurrent loans | 95.5113% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 1,319 |
| Noncurrent loans to loans | 0.9788% | 1,383 |
| Net loans and leases to total assets | 66.0967% | 1,791 |
| Net loans and leases to deposits | 75.7571% | 1,936 |
| Net loans and leases to core deposits | 89.8394% | 1,240 |
| Total domestic deposits to total assets | 87.2483% | 2,203 |
| Equity capital to assets | 8.2119% | 4,354 |
| Core capital (leverage) ratio | 8.5267% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7174% | 1,670 |
| Memoranda: | ||
| Average total assets | $324,514,000 | 2,319 |
| Average earning assets | $307,453,500 | 2,288 |
| Average equity | $26,367,000 | 2,778 |
| Average total loans | $220,275,000 | 2,150 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2623% | 289 |
| Cost of funding earning assets | 0.7496% | 1,448 |
| Net interest margin | 4.5128% | 323 |
| Noninterest income to average assets | 1.0309% | 992 |
| Noninterest expense to average assets | 3.1042% | 1,220 |
| Loan and lease loss provision to assets | 0.2366% | 1,643 |
| Net operating income to assets | 1.9638% | 281 |
| Return on assets (ROA) | 1.9638% | 305 |
| Pretax return on assets | 1.9638% | 493 |
| Return on Equity (ROE) | 25.1991% | 106 |
| Retained earnings to average equity (ytd only) | 8.9763% | 775 |
| Net charge-offs to loans | 0.0027% | 3,292 |
| Credit loss provision to net charge-offs | 12,200.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 1,134.5000% | 97 |
| Efficiency ratio | 58.5192% | 3,656 |
| Assets per employee ($millions) | 4.0784% | 4,316 |
| Cash dividends to net income (ytd only)* | 64.3786% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 4,025 |
| Loan loss allowance to noncurrent loans | 110.3903% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.7120% | 1,462 |
| Noncurrent loans to loans | 0.8627% | 1,636 |
| Net loans and leases to total assets | 68.4250% | 1,772 |
| Net loans and leases to deposits | 78.5617% | 2,016 |
| Net loans and leases to core deposits | 92.4587% | 1,349 |
| Total domestic deposits to total assets | 87.0972% | 1,895 |
| Equity capital to assets | 8.0348% | 4,693 |
| Core capital (leverage) ratio | 7.8721% | 4,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9147% | 1,885 |
| Memoranda: | ||
| Average total assets | $309,350,200 | 2,245 |
| Average earning assets | $292,969,400 | 2,219 |
| Average equity | $24,108,000 | 2,867 |
| Average total loans | $223,907,000 | 2,081 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3447% | 315 |
| Cost of funding earning assets | 0.8000% | 1,497 |
| Net interest margin | 4.5447% | 344 |
| Noninterest income to average assets | 0.9472% | 1,126 |
| Noninterest expense to average assets | 3.0259% | 1,386 |
| Loan and lease loss provision to assets | 0.2745% | 1,466 |
| Net operating income to assets | 1.9425% | 334 |
| Return on assets (ROA) | 1.9425% | 367 |
| Pretax return on assets | 1.9425% | 580 |
| Return on Equity (ROE) | 25.1275% | 113 |
| Retained earnings to average equity (ytd only) | 10.7248% | 627 |
| Net charge-offs to loans | 0.0344% | 2,146 |
| Credit loss provision to net charge-offs | 1,089.6552% | 788 |
| Earnings coverage of net charge-offs (x) | 88.0517% | 862 |
| Efficiency ratio | 57.7165% | 3,705 |
| Assets per employee ($millions) | 4.0911% | 4,248 |
| Cash dividends to net income (ytd only)* | 57.3184% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 4,281 |
| Loan loss allowance to noncurrent loans | 80.6063% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.9470% | 1,191 |
| Noncurrent loans to loans | 1.0336% | 1,451 |
| Net loans and leases to total assets | 73.3432% | 1,450 |
| Net loans and leases to deposits | 84.2907% | 1,882 |
| Net loans and leases to core deposits | 99.4465% | 1,204 |
| Total domestic deposits to total assets | 87.0122% | 1,665 |
| Equity capital to assets | 7.7715% | 4,786 |
| Core capital (leverage) ratio | 7.8823% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8891% | 2,251 |
| Memoranda: | ||
| Average total assets | $307,158,750 | 2,237 |
| Average earning assets | $290,323,500 | 2,215 |
| Average equity | $23,745,000 | 2,887 |
| Average total loans | $224,942,750 | 2,066 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 416 |
| Cost of funding earning assets | 0.8614% | 1,537 |
| Net interest margin | 4.5174% | 485 |
| Noninterest income to average assets | 0.9063% | 1,155 |
| Noninterest expense to average assets | 3.0997% | 1,356 |
| Loan and lease loss provision to assets | 0.3796% | 1,094 |
| Net operating income to assets | 1.7009% | 624 |
| Return on assets (ROA) | 1.7009% | 676 |
| Pretax return on assets | 1.7009% | 1,000 |
| Return on Equity (ROE) | 22.0429% | 163 |
| Retained earnings to average equity (ytd only) | 10.4512% | 699 |
| Net charge-offs to loans | 0.0378% | 1,986 |
| Credit loss provision to net charge-offs | 1,376.1905% | 640 |
| Earnings coverage of net charge-offs (x) | 75.4286% | 840 |
| Efficiency ratio | 59.8377% | 3,428 |
| Assets per employee ($millions) | 4.0119% | 4,300 |
| Cash dividends to net income (ytd only)* | 52.5869% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 4,294 |
| Loan loss allowance to noncurrent loans | 289.6499% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 3,050 |
| Noncurrent loans to loans | 0.2827% | 3,367 |
| Net loans and leases to total assets | 71.8245% | 1,745 |
| Net loans and leases to deposits | 85.1557% | 1,864 |
| Net loans and leases to core deposits | 101.7663% | 1,130 |
| Total domestic deposits to total assets | 84.3449% | 2,615 |
| Equity capital to assets | 7.4354% | 4,897 |
| Core capital (leverage) ratio | 7.5687% | 4,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2060% | 2,522 |
| Memoranda: | ||
| Average total assets | $304,541,333 | 2,225 |
| Average earning assets | $288,130,333 | 2,198 |
| Average equity | $23,499,667 | 2,893 |
| Average total loans | $222,263,667 | 2,062 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5808% | 316 |
| Cost of funding earning assets | 0.9266% | 1,750 |
| Net interest margin | 4.6542% | 373 |
| Noninterest income to average assets | 0.8018% | 1,308 |
| Noninterest expense to average assets | 3.0884% | 1,671 |
| Loan and lease loss provision to assets | 0.1282% | 2,114 |
| Net operating income to assets | 1.9923% | 271 |
| Return on assets (ROA) | 1.9923% | 299 |
| Pretax return on assets | 1.9923% | 451 |
| Return on Equity (ROE) | 25.3200% | 62 |
| Retained earnings to average equity (ytd only) | 25.3200% | 29 |
| Net charge-offs to loans | 0.0534% | 1,475 |
| Credit loss provision to net charge-offs | 327.5862% | 1,116 |
| Earnings coverage of net charge-offs (x) | 54.1724% | 849 |
| Efficiency ratio | 59.2900% | 3,830 |
| Assets per employee ($millions) | 3.6524% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6392% | 4,706 |
| Loan loss allowance to noncurrent loans | 175.7353% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 2,792 |
| Noncurrent loans to loans | 0.3637% | 3,195 |
| Net loans and leases to total assets | 75.3489% | 1,412 |
| Net loans and leases to deposits | 89.0023% | 1,639 |
| Net loans and leases to core deposits | 107.7170% | 955 |
| Total domestic deposits to total assets | 84.6595% | 2,540 |
| Equity capital to assets | 8.1499% | 4,940 |
| Core capital (leverage) ratio | 8.1830% | 4,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1015% | 2,651 |
| Memoranda: | ||
| Average total assets | $296,337,500 | 2,232 |
| Average earning assets | $280,604,000 | 2,194 |
| Average equity | $23,317,500 | 2,902 |
| Average total loans | $217,184,000 | 2,064 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7511% | 361 |
| Cost of funding earning assets | 0.9491% | 1,963 |
| Net interest margin | 4.8021% | 394 |
| Noninterest income to average assets | 1.1882% | 670 |
| Noninterest expense to average assets | 3.4533% | 1,029 |
| Loan and lease loss provision to assets | 0.0630% | 2,779 |
| Net operating income to assets | 2.1666% | 237 |
| Return on assets (ROA) | 2.1666% | 248 |
| Pretax return on assets | 2.1666% | 407 |
| Return on Equity (ROE) | 26.4676% | 57 |
| Retained earnings to average equity (ytd only) | 6.8818% | 1,434 |
| Net charge-offs to loans | 0.0446% | 2,495 |
| Credit loss provision to net charge-offs | 197.6744% | 1,344 |
| Earnings coverage of net charge-offs (x) | 69.9535% | 886 |
| Efficiency ratio | 60.7669% | 3,573 |
| Assets per employee ($millions) | 3.7104% | 4,261 |
| Cash dividends to net income (ytd only)* | 73.9993% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6518% | 4,646 |
| Loan loss allowance to noncurrent loans | 110.2254% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 2,258 |
| Noncurrent loans to loans | 0.5914% | 2,407 |
| Net loans and leases to total assets | 70.2924% | 2,348 |
| Net loans and leases to deposits | 82.5695% | 2,490 |
| Net loans and leases to core deposits | 96.9892% | 1,816 |
| Total domestic deposits to total assets | 85.1312% | 2,444 |
| Equity capital to assets | 7.5882% | 5,104 |
| Core capital (leverage) ratio | 7.9090% | 5,058 |
| Tier 1 risk-based capital ratio | 12.2299% | 4,225 |
| Total risk-based capital ratio | 12.9712% | 4,395 |
| Memoranda: | ||
| Average total assets | $269,826,800 | 2,333 |
| Average earning assets | $252,558,200 | 2,320 |
| Average equity | $22,087,400 | 2,953 |
| Average total loans | $192,911,000 | 2,218 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7868% | 356 |
| Cost of funding earning assets | 0.9500% | 1,989 |
| Net interest margin | 4.8368% | 387 |
| Noninterest income to average assets | 1.1064% | 745 |
| Noninterest expense to average assets | 3.2188% | 1,426 |
| Loan and lease loss provision to assets | 0.0395% | 3,114 |
| Net operating income to assets | 2.3562% | 205 |
| Return on assets (ROA) | 2.3562% | 215 |
| Pretax return on assets | 2.3562% | 337 |
| Return on Equity (ROE) | 28.2029% | 48 |
| Retained earnings to average equity (ytd only) | 9.4151% | 920 |
| Net charge-offs to loans | 0.0403% | 2,288 |
| Credit loss provision to net charge-offs | 136.8421% | 1,751 |
| Earnings coverage of net charge-offs (x) | 82.9278% | 841 |
| Efficiency ratio | 57.3298% | 4,025 |
| Assets per employee ($millions) | 3.5728% | 4,426 |
| Cash dividends to net income (ytd only)* | 66.6165% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6742% | 4,695 |
| Loan loss allowance to noncurrent loans | 154.5562% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 2,633 |
| Noncurrent loans to loans | 0.4362% | 3,000 |
| Net loans and leases to total assets | 69.9340% | 2,484 |
| Net loans and leases to deposits | 83.7107% | 2,491 |
| Net loans and leases to core deposits | 99.8671% | 1,664 |
| Total domestic deposits to total assets | 83.5425% | 2,980 |
| Equity capital to assets | 8.2120% | 5,089 |
| Core capital (leverage) ratio | 8.3761% | 4,994 |
| Tier 1 risk-based capital ratio | 12.9833% | 3,859 |
| Total risk-based capital ratio | 13.7330% | 4,035 |
| Memoranda: | ||
| Average total assets | $263,076,000 | 2,392 |
| Average earning assets | $245,196,500 | 2,386 |
| Average equity | $21,978,250 | 2,987 |
| Average total loans | $188,634,250 | 2,270 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8019% | 338 |
| Cost of funding earning assets | 0.9284% | 2,016 |
| Net interest margin | 4.8735% | 357 |
| Noninterest income to average assets | 1.1387% | 655 |
| Noninterest expense to average assets | 3.2517% | 1,395 |
| Loan and lease loss provision to assets | 0.0286% | 3,252 |
| Net operating income to assets | 2.3894% | 179 |
| Return on assets (ROA) | 2.3894% | 184 |
| Pretax return on assets | 2.3894% | 291 |
| Return on Equity (ROE) | 28.4288% | 53 |
| Retained earnings to average equity (ytd only) | 10.8847% | 564 |
| Net charge-offs to loans | 0.0407% | 2,077 |
| Credit loss provision to net charge-offs | 97.3684% | 2,043 |
| Earnings coverage of net charge-offs (x) | 82.4211% | 795 |
| Efficiency ratio | 57.3529% | 4,087 |
| Assets per employee ($millions) | 3.7093% | 4,229 |
| Cash dividends to net income (ytd only)* | 61.7124% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 4,745 |
| Loan loss allowance to noncurrent loans | 260.2434% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3467% | 3,150 |
| Noncurrent loans to loans | 0.2610% | 3,594 |
| Net loans and leases to total assets | 70.2572% | 2,493 |
| Net loans and leases to deposits | 84.5967% | 2,421 |
| Net loans and leases to core deposits | 96.7181% | 2,003 |
| Total domestic deposits to total assets | 83.0496% | 3,179 |
| Equity capital to assets | 8.3157% | 5,113 |
| Core capital (leverage) ratio | 8.5357% | 4,951 |
| Tier 1 risk-based capital ratio | 13.0900% | 3,793 |
| Total risk-based capital ratio | 13.8448% | 3,965 |
| Memoranda: | ||
| Average total assets | $259,065,330 | 2,427 |
| Average earning assets | $240,854,000 | 2,425 |
| Average equity | $21,773,670 | 2,996 |
| Average total loans | $186,945,670 | 2,285 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7809% | 320 |
| Cost of funding earning assets | 0.9170% | 1,932 |
| Net interest margin | 4.8639% | 362 |
| Noninterest income to average assets | 0.9268% | 979 |
| Noninterest expense to average assets | 3.1569% | 1,603 |
| Loan and lease loss provision to assets | 0.0141% | 3,252 |
| Net operating income to assets | 2.2975% | 221 |
| Return on assets (ROA) | 2.2975% | 232 |
| Pretax return on assets | 2.2975% | 360 |
| Return on Equity (ROE) | 27.1850% | 71 |
| Retained earnings to average equity (ytd only) | 27.1850% | 36 |
| Net charge-offs to loans | 0.0710% | 1,350 |
| Credit loss provision to net charge-offs | 27.2727% | 2,100 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 1,086 |
| Efficiency ratio | 57.7287% | 4,117 |
| Assets per employee ($millions) | 3.6114% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6855% | 4,798 |
| Loan loss allowance to noncurrent loans | 538.4615% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 3,002 |
| Noncurrent loans to loans | 0.1273% | 4,168 |
| Net loans and leases to total assets | 71.1948% | 2,302 |
| Net loans and leases to deposits | 86.6292% | 2,053 |
| Net loans and leases to core deposits | 97.9935% | 1,774 |
| Total domestic deposits to total assets | 82.1834% | 3,679 |
| Equity capital to assets | 8.7262% | 4,864 |
| Core capital (leverage) ratio | 8.8043% | 4,790 |
| Tier 1 risk-based capital ratio | 13.2926% | 3,720 |
| Total risk-based capital ratio | 14.0359% | 3,890 |
| Memoranda: | ||
| Average total assets | $255,061,500 | 2,479 |
| Average earning assets | $238,164,000 | 2,470 |
| Average equity | $21,556,000 | 3,017 |
| Average total loans | $185,958,000 | 2,311 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8007% | 237 |
| Cost of funding earning assets | 0.7614% | 1,731 |
| Net interest margin | 5.0393% | 246 |
| Noninterest income to average assets | 1.1538% | 693 |
| Noninterest expense to average assets | 3.5005% | 993 |
| Loan and lease loss provision to assets | 0.0476% | 3,232 |
| Net operating income to assets | 2.3216% | 209 |
| Return on assets (ROA) | 2.3216% | 198 |
| Pretax return on assets | 2.3216% | 286 |
| Return on Equity (ROE) | 27.8513% | 52 |
| Retained earnings to average equity (ytd only) | 7.0612% | 1,646 |
| Net charge-offs to loans | 0.0614% | 2,251 |
| Credit loss provision to net charge-offs | 100.8696% | 2,495 |
| Earnings coverage of net charge-offs (x) | 50.2261% | 1,133 |
| Efficiency ratio | 59.6366% | 3,926 |
| Assets per employee ($millions) | 3.5238% | 4,525 |
| Cash dividends to net income (ytd only)* | 74.6466% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 4,831 |
| Loan loss allowance to noncurrent loans | 694.0541% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 3,082 |
| Noncurrent loans to loans | 0.0983% | 4,297 |
| Net loans and leases to total assets | 73.6350% | 1,986 |
| Net loans and leases to deposits | 89.2454% | 1,901 |
| Net loans and leases to core deposits | 100.2420% | 1,700 |
| Total domestic deposits to total assets | 82.5084% | 3,481 |
| Equity capital to assets | 8.1735% | 5,096 |
| Core capital (leverage) ratio | 8.3543% | 5,087 |
| Tier 1 risk-based capital ratio | 12.3342% | 4,222 |
| Total risk-based capital ratio | 13.0859% | 4,419 |
| Memoranda: | ||
| Average total assets | $243,794,200 | 2,518 |
| Average earning assets | $228,144,800 | 2,494 |
| Average equity | $20,322,200 | 3,063 |
| Average total loans | $187,361,800 | 2,276 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 216 |
| Cost of funding earning assets | 0.7317% | 1,671 |
| Net interest margin | 5.0703% | 229 |
| Noninterest income to average assets | 1.0757% | 817 |
| Noninterest expense to average assets | 3.2792% | 1,345 |
| Loan and lease loss provision to assets | 0.0359% | 3,288 |
| Net operating income to assets | 2.5117% | 161 |
| Return on assets (ROA) | 2.5117% | 161 |
| Pretax return on assets | 2.5117% | 230 |
| Return on Equity (ROE) | 29.9784% | 39 |
| Retained earnings to average equity (ytd only) | 10.3401% | 813 |
| Net charge-offs to loans | 0.0755% | 1,773 |
| Credit loss provision to net charge-offs | 61.3208% | 2,735 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,278 |
| Efficiency ratio | 56.2773% | 4,351 |
| Assets per employee ($millions) | 3.4349% | 4,645 |
| Cash dividends to net income (ytd only)* | 65.5082% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6471% | 4,977 |
| Loan loss allowance to noncurrent loans | 185.6502% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 2,732 |
| Noncurrent loans to loans | 0.3485% | 3,401 |
| Net loans and leases to total assets | 78.1934% | 1,318 |
| Net loans and leases to deposits | 96.7701% | 1,067 |
| Net loans and leases to core deposits | 110.3806% | 1,010 |
| Total domestic deposits to total assets | 80.8033% | 3,915 |
| Equity capital to assets | 8.4845% | 4,933 |
| Core capital (leverage) ratio | 8.6711% | 4,981 |
| Tier 1 risk-based capital ratio | 12.2182% | 4,366 |
| Total risk-based capital ratio | 12.9340% | 4,571 |
| Memoranda: | ||
| Average total assets | $241,315,000 | 2,547 |
| Average earning assets | $226,122,500 | 2,528 |
| Average equity | $20,218,500 | 3,099 |
| Average total loans | $187,176,250 | 2,282 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7399% | 219 |
| Cost of funding earning assets | 0.6966% | 1,639 |
| Net interest margin | 5.0433% | 228 |
| Noninterest income to average assets | 0.9116% | 1,152 |
| Noninterest expense to average assets | 3.3128% | 1,289 |
| Loan and lease loss provision to assets | 0.0324% | 3,267 |
| Net operating income to assets | 2.3114% | 202 |
| Return on assets (ROA) | 2.3114% | 195 |
| Pretax return on assets | 2.3114% | 317 |
| Return on Equity (ROE) | 27.7060% | 50 |
| Retained earnings to average equity (ytd only) | 11.4054% | 601 |
| Net charge-offs to loans | 0.0356% | 2,141 |
| Credit loss provision to net charge-offs | 118.1818% | 1,813 |
| Earnings coverage of net charge-offs (x) | 85.3939% | 788 |
| Efficiency ratio | 58.5649% | 4,144 |
| Assets per employee ($millions) | 3.5216% | 4,565 |
| Cash dividends to net income (ytd only)* | 58.8341% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6755% | 4,987 |
| Loan loss allowance to noncurrent loans | 184.4063% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 2,720 |
| Noncurrent loans to loans | 0.3663% | 3,381 |
| Net loans and leases to total assets | 76.8811% | 1,488 |
| Net loans and leases to deposits | 94.9400% | 1,254 |
| Net loans and leases to core deposits | 108.2902% | 1,101 |
| Total domestic deposits to total assets | 80.9787% | 4,005 |
| Equity capital to assets | 8.2389% | 5,111 |
| Core capital (leverage) ratio | 8.4301% | 5,155 |
| Tier 1 risk-based capital ratio | 12.2902% | 4,317 |
| Total risk-based capital ratio | 13.0527% | 4,504 |
| Memoranda: | ||
| Average total assets | $240,460,000 | 2,557 |
| Average earning assets | $226,242,000 | 2,539 |
| Average equity | $20,060,670 | 3,125 |
| Average total loans | $185,588,330 | 2,306 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 217 |
| Cost of funding earning assets | 0.6611% | 1,652 |
| Net interest margin | 5.0175% | 225 |
| Noninterest income to average assets | 0.8524% | 1,291 |
| Noninterest expense to average assets | 3.1874% | 1,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.3956% | 174 |
| Return on assets (ROA) | 2.3956% | 176 |
| Pretax return on assets | 2.3956% | 265 |
| Return on Equity (ROE) | 28.5313% | 55 |
| Retained earnings to average equity (ytd only) | 28.5313% | 25 |
| Net charge-offs to loans | 0.0219% | 2,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 142.2000% | 455 |
| Efficiency ratio | 57.0911% | 4,454 |
| Assets per employee ($millions) | 3.4509% | 4,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6844% | 5,058 |
| Loan loss allowance to noncurrent loans | 203.6800% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4163% | 3,166 |
| Noncurrent loans to loans | 0.3360% | 3,559 |
| Net loans and leases to total assets | 75.3960% | 1,638 |
| Net loans and leases to deposits | 93.5754% | 1,270 |
| Net loans and leases to core deposits | 106.4383% | 1,205 |
| Total domestic deposits to total assets | 80.5725% | 4,301 |
| Equity capital to assets | 8.4020% | 5,045 |
| Core capital (leverage) ratio | 8.9060% | 4,794 |
| Tier 1 risk-based capital ratio | 12.9698% | 3,960 |
| Total risk-based capital ratio | 13.7539% | 4,141 |
| Memoranda: | ||
| Average total assets | $237,433,500 | 2,607 |
| Average earning assets | $223,855,500 | 2,582 |
| Average equity | $19,936,000 | 3,166 |
| Average total loans | $182,977,000 | 2,342 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7960% | 169 |
| Cost of funding earning assets | 0.5978% | 1,609 |
| Net interest margin | 5.1982% | 171 |
| Noninterest income to average assets | 0.7921% | 1,594 |
| Noninterest expense to average assets | 3.2711% | 1,431 |
| Loan and lease loss provision to assets | 0.1265% | 1,807 |
| Net operating income to assets | 2.2772% | 169 |
| Return on assets (ROA) | 2.2772% | 170 |
| Pretax return on assets | 2.2772% | 278 |
| Return on Equity (ROE) | 26.7596% | 54 |
| Retained earnings to average equity (ytd only) | 6.9943% | 1,076 |
| Net charge-offs to loans | 0.0898% | 2,193 |
| Credit loss provision to net charge-offs | 176.2500% | 1,542 |
| Earnings coverage of net charge-offs (x) | 33.4938% | 1,433 |
| Efficiency ratio | 57.6431% | 4,570 |
| Assets per employee ($millions) | 3.1061% | 5,119 |
| Cash dividends to net income (ytd only)* | 73.8625% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7130% | 5,043 |
| Loan loss allowance to noncurrent loans | 407.3016% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 3,756 |
| Noncurrent loans to loans | 0.1750% | 4,220 |
| Net loans and leases to total assets | 77.7311% | 1,315 |
| Net loans and leases to deposits | 97.5528% | 940 |
| Net loans and leases to core deposits | 111.0084% | 951 |
| Total domestic deposits to total assets | 79.6810% | 4,400 |
| Equity capital to assets | 8.3905% | 5,194 |
| Core capital (leverage) ratio | 8.4608% | 5,173 |
| Tier 1 risk-based capital ratio | 12.4113% | 4,255 |
| Total risk-based capital ratio | 13.2224% | 4,435 |
| Memoranda: | ||
| Average total assets | $222,949,200 | 2,702 |
| Average earning assets | $209,419,600 | 2,673 |
| Average equity | $18,972,600 | 3,245 |
| Average total loans | $178,113,800 | 2,353 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7777% | 165 |
| Cost of funding earning assets | 0.5855% | 1,639 |
| Net interest margin | 5.1923% | 166 |
| Noninterest income to average assets | 0.6190% | 2,365 |
| Noninterest expense to average assets | 3.1111% | 1,767 |
| Loan and lease loss provision to assets | 0.1489% | 1,410 |
| Net operating income to assets | 2.2390% | 198 |
| Return on assets (ROA) | 2.2390% | 198 |
| Pretax return on assets | 2.2390% | 328 |
| Return on Equity (ROE) | 26.2154% | 58 |
| Retained earnings to average equity (ytd only) | 8.7150% | 941 |
| Net charge-offs to loans | 0.1103% | 1,688 |
| Credit loss provision to net charge-offs | 168.0272% | 1,543 |
| Earnings coverage of net charge-offs (x) | 26.9517% | 1,659 |
| Efficiency ratio | 56.5761% | 4,667 |
| Assets per employee ($millions) | 3.1773% | 5,099 |
| Cash dividends to net income (ytd only)* | 66.7563% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 5,142 |
| Loan loss allowance to noncurrent loans | 104.7342% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6822% | 2,453 |
| Noncurrent loans to loans | 0.6638% | 2,712 |
| Net loans and leases to total assets | 79.8399% | 1,006 |
| Net loans and leases to deposits | 101.2571% | 661 |
| Net loans and leases to core deposits | 115.3501% | 771 |
| Total domestic deposits to total assets | 78.8487% | 4,562 |
| Equity capital to assets | 8.5691% | 5,240 |
| Core capital (leverage) ratio | 8.7299% | 5,027 |
| Tier 1 risk-based capital ratio | 12.1482% | 4,521 |
| Total risk-based capital ratio | 12.9407% | 4,722 |
| Memoranda: | ||
| Average total assets | $221,223,000 | 2,740 |
| Average earning assets | $207,920,000 | 2,706 |
| Average equity | $18,894,250 | 3,284 |
| Average total loans | $177,654,500 | 2,362 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8265% | 157 |
| Cost of funding earning assets | 0.5727% | 1,628 |
| Net interest margin | 5.2538% | 153 |
| Noninterest income to average assets | 0.5843% | 2,537 |
| Noninterest expense to average assets | 3.1033% | 1,834 |
| Loan and lease loss provision to assets | 0.1565% | 1,280 |
| Net operating income to assets | 2.2415% | 198 |
| Return on assets (ROA) | 2.2415% | 197 |
| Pretax return on assets | 2.2415% | 329 |
| Return on Equity (ROE) | 26.2739% | 64 |
| Retained earnings to average equity (ytd only) | 9.0353% | 828 |
| Net charge-offs to loans | 0.1485% | 1,260 |
| Credit loss provision to net charge-offs | 131.2977% | 1,671 |
| Earnings coverage of net charge-offs (x) | 20.1145% | 1,809 |
| Efficiency ratio | 56.4103% | 4,778 |
| Assets per employee ($millions) | 3.3804% | 4,889 |
| Cash dividends to net income (ytd only)* | 65.6110% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6699% | 5,265 |
| Loan loss allowance to noncurrent loans | 166.4820% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3956% | 3,534 |
| Noncurrent loans to loans | 0.4024% | 3,591 |
| Net loans and leases to total assets | 78.6882% | 1,139 |
| Net loans and leases to deposits | 102.6347% | 569 |
| Net loans and leases to core deposits | 115.6180% | 731 |
| Total domestic deposits to total assets | 76.6682% | 5,007 |
| Equity capital to assets | 8.3842% | 5,361 |
| Core capital (leverage) ratio | 8.6824% | 5,057 |
| Tier 1 risk-based capital ratio | 11.6520% | 4,861 |
| Total risk-based capital ratio | 12.3833% | 5,072 |
| Memoranda: | ||
| Average total assets | $219,767,670 | 2,770 |
| Average earning assets | $205,680,330 | 2,748 |
| Average equity | $18,748,670 | 3,302 |
| Average total loans | $176,415,670 | 2,375 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8197% | 153 |
| Cost of funding earning assets | 0.5765% | 1,531 |
| Net interest margin | 5.2433% | 149 |
| Noninterest income to average assets | 0.4991% | 2,985 |
| Noninterest expense to average assets | 2.8742% | 2,537 |
| Loan and lease loss provision to assets | 0.1571% | 1,151 |
| Net operating income to assets | 2.3936% | 166 |
| Return on assets (ROA) | 2.3936% | 169 |
| Pretax return on assets | 2.3936% | 259 |
| Return on Equity (ROE) | 27.8069% | 61 |
| Retained earnings to average equity (ytd only) | 27.8069% | 36 |
| Net charge-offs to loans | 0.0412% | 2,000 |
| Credit loss provision to net charge-offs | 472.2222% | 586 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 675 |
| Efficiency ratio | 52.9813% | 5,205 |
| Assets per employee ($millions) | 3.4945% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 5,323 |
| Loan loss allowance to noncurrent loans | 145.6702% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 3,060 |
| Noncurrent loans to loans | 0.4768% | 3,379 |
| Net loans and leases to total assets | 79.7482% | 866 |
| Net loans and leases to deposits | 101.2229% | 540 |
| Net loans and leases to core deposits | 113.2441% | 715 |
| Total domestic deposits to total assets | 78.7848% | 4,866 |
| Equity capital to assets | 8.7834% | 5,011 |
| Core capital (leverage) ratio | 8.9723% | 4,772 |
| Tier 1 risk-based capital ratio | 12.2583% | 4,538 |
| Total risk-based capital ratio | 13.0263% | 4,774 |
| Memoranda: | ||
| Average total assets | $216,409,000 | 2,823 |
| Average earning assets | $203,309,000 | 2,796 |
| Average equity | $18,628,500 | 3,330 |
| Average total loans | $174,914,000 | 2,409 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8150% | 164 |
| Cost of funding earning assets | 0.5319% | 1,854 |
| Net interest margin | 5.2830% | 151 |
| Noninterest income to average assets | 0.6097% | 2,612 |
| Noninterest expense to average assets | 3.1100% | 2,003 |
| Loan and lease loss provision to assets | 0.0636% | 3,105 |
| Net operating income to assets | 2.3630% | 177 |
| Return on assets (ROA) | 2.3630% | 183 |
| Pretax return on assets | 2.3630% | 246 |
| Return on Equity (ROE) | 27.2677% | 58 |
| Retained earnings to average equity (ytd only) | 7.2650% | 1,127 |
| Net charge-offs to loans | 0.0359% | 3,309 |
| Credit loss provision to net charge-offs | 225.8621% | 1,271 |
| Earnings coverage of net charge-offs (x) | 86.1897% | 676 |
| Efficiency ratio | 56.1722% | 5,051 |
| Assets per employee ($millions) | 3.2718% | 5,078 |
| Cash dividends to net income (ytd only)* | 73.3566% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6710% | 5,411 |
| Loan loss allowance to noncurrent loans | 468.1452% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 4,472 |
| Noncurrent loans to loans | 0.1433% | 4,660 |
| Net loans and leases to total assets | 80.8177% | 767 |
| Net loans and leases to deposits | 101.0115% | 600 |
| Net loans and leases to core deposits | 112.6011% | 751 |
| Total domestic deposits to total assets | 80.0085% | 4,573 |
| Equity capital to assets | 8.4264% | 5,326 |
| Core capital (leverage) ratio | 8.4324% | 5,333 |
| Tier 1 risk-based capital ratio | 11.5307% | 5,037 |
| Total risk-based capital ratio | 12.2620% | 5,231 |
| Memoranda: | ||
| Average total assets | $206,010,400 | 2,898 |
| Average earning assets | $192,125,400 | 2,874 |
| Average equity | $17,852,600 | 3,426 |
| Average total loans | $161,402,600 | 2,504 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7843% | 172 |
| Cost of funding earning assets | 0.5307% | 1,873 |
| Net interest margin | 5.2536% | 157 |
| Noninterest income to average assets | 0.5729% | 2,795 |
| Noninterest expense to average assets | 3.0001% | 2,321 |
| Loan and lease loss provision to assets | 0.0529% | 3,202 |
| Net operating income to assets | 2.4154% | 179 |
| Return on assets (ROA) | 2.4154% | 188 |
| Pretax return on assets | 2.4154% | 249 |
| Return on Equity (ROE) | 27.6741% | 57 |
| Retained earnings to average equity (ytd only) | 9.5312% | 682 |
| Net charge-offs to loans | 0.0555% | 2,567 |
| Credit loss provision to net charge-offs | 122.7273% | 2,059 |
| Earnings coverage of net charge-offs (x) | 57.3167% | 991 |
| Efficiency ratio | 54.8622% | 5,167 |
| Assets per employee ($millions) | 3.2701% | 5,081 |
| Cash dividends to net income (ytd only)* | 65.5591% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 5,493 |
| Loan loss allowance to noncurrent loans | 1,723.4375% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 4,931 |
| Noncurrent loans to loans | 0.0388% | 5,214 |
| Net loans and leases to total assets | 77.1766% | 1,326 |
| Net loans and leases to deposits | 97.5872% | 895 |
| Net loans and leases to core deposits | 107.9336% | 1,057 |
| Total domestic deposits to total assets | 79.0848% | 4,699 |
| Equity capital to assets | 8.6009% | 5,473 |
| Core capital (leverage) ratio | 8.8495% | 5,004 |
| Tier 1 risk-based capital ratio | 11.8570% | 4,884 |
| Total risk-based capital ratio | 12.5724% | 5,096 |
| Memoranda: | ||
| Average total assets | $204,346,750 | 2,920 |
| Average earning assets | $190,418,000 | 2,906 |
| Average equity | $17,835,750 | 3,459 |
| Average total loans | $158,495,250 | 2,539 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7968% | 162 |
| Cost of funding earning assets | 0.5352% | 1,823 |
| Net interest margin | 5.2616% | 156 |
| Noninterest income to average assets | 0.5744% | 2,767 |
| Noninterest expense to average assets | 3.0663% | 2,152 |
| Loan and lease loss provision to assets | 0.0069% | 3,930 |
| Net operating income to assets | 2.3967% | 172 |
| Return on assets (ROA) | 2.3967% | 180 |
| Pretax return on assets | 2.3967% | 257 |
| Return on Equity (ROE) | 27.3195% | 66 |
| Retained earnings to average equity (ytd only) | 10.0300% | 594 |
| Net charge-offs to loans | 0.0333% | 2,784 |
| Credit loss provision to net charge-offs | 26.9231% | 2,881 |
| Earnings coverage of net charge-offs (x) | 93.1923% | 613 |
| Efficiency ratio | 56.0573% | 5,143 |
| Assets per employee ($millions) | 3.1815% | 5,233 |
| Cash dividends to net income (ytd only)* | 63.2864% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 5,577 |
| Loan loss allowance to noncurrent loans | 1,781.6667% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 4,997 |
| Noncurrent loans to loans | 0.0376% | 5,315 |
| Net loans and leases to total assets | 77.9277% | 1,218 |
| Net loans and leases to deposits | 98.7202% | 817 |
| Net loans and leases to core deposits | 109.8274% | 940 |
| Total domestic deposits to total assets | 78.9380% | 4,801 |
| Equity capital to assets | 8.7833% | 5,416 |
| Core capital (leverage) ratio | 8.6674% | 5,201 |
| Tier 1 risk-based capital ratio | 11.7992% | 4,974 |
| Total risk-based capital ratio | 12.5045% | 5,195 |
| Memoranda: | ||
| Average total assets | $201,609,670 | 2,964 |
| Average earning assets | $187,585,670 | 2,957 |
| Average equity | $17,687,000 | 3,487 |
| Average total loans | $156,277,670 | 2,573 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7261% | 180 |
| Cost of funding earning assets | 0.5327% | 1,851 |
| Net interest margin | 5.1934% | 180 |
| Noninterest income to average assets | 0.5703% | 2,678 |
| Noninterest expense to average assets | 2.9291% | 2,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4625% | 166 |
| Return on assets (ROA) | 2.4625% | 172 |
| Pretax return on assets | 2.4625% | 255 |
| Return on Equity (ROE) | 28.0865% | 68 |
| Retained earnings to average equity (ytd only) | 28.0865% | 33 |
| Net charge-offs to loans | 0.0129% | 2,688 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 249 |
| Efficiency ratio | 54.3269% | 5,360 |
| Assets per employee ($millions) | 3.4572% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 5,611 |
| Loan loss allowance to noncurrent loans | 200.5556% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 4,064 |
| Noncurrent loans to loans | 0.3449% | 4,197 |
| Net loans and leases to total assets | 76.2351% | 1,358 |
| Net loans and leases to deposits | 96.3134% | 916 |
| Net loans and leases to core deposits | 106.2123% | 1,064 |
| Total domestic deposits to total assets | 79.1531% | 4,935 |
| Equity capital to assets | 8.9375% | 5,233 |
| Core capital (leverage) ratio | 9.1125% | 4,719 |
| Tier 1 risk-based capital ratio | 12.2032% | 4,776 |
| Total risk-based capital ratio | 12.9282% | 5,031 |
| Memoranda: | ||
| Average total assets | $200,608,000 | 2,983 |
| Average earning assets | $186,235,000 | 2,983 |
| Average equity | $17,588,500 | 3,501 |
| Average total loans | $154,546,500 | 2,590 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7149% | 196 |
| Cost of funding earning assets | 0.5238% | 1,968 |
| Net interest margin | 5.1911% | 187 |
| Noninterest income to average assets | 0.6332% | 2,546 |
| Noninterest expense to average assets | 2.9321% | 2,755 |
| Loan and lease loss provision to assets | 0.1251% | 1,929 |
| Net operating income to assets | 2.4446% | 164 |
| Return on assets (ROA) | 2.4446% | 168 |
| Pretax return on assets | 2.4446% | 226 |
| Return on Equity (ROE) | 27.8965% | 70 |
| Retained earnings to average equity (ytd only) | 7.5988% | 1,066 |
| Net charge-offs to loans | 0.0469% | 3,283 |
| Credit loss provision to net charge-offs | 364.6154% | 816 |
| Earnings coverage of net charge-offs (x) | 74.9231% | 734 |
| Efficiency ratio | 53.2943% | 5,565 |
| Assets per employee ($millions) | 3.5862% | 4,662 |
| Cash dividends to net income (ytd only)* | 72.7606% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 5,614 |
| Loan loss allowance to noncurrent loans | 176.0518% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 3,857 |
| Noncurrent loans to loans | 0.4052% | 4,007 |
| Net loans and leases to total assets | 76.7698% | 1,294 |
| Net loans and leases to deposits | 96.3796% | 974 |
| Net loans and leases to core deposits | 105.4955% | 1,131 |
| Total domestic deposits to total assets | 79.6535% | 4,827 |
| Equity capital to assets | 8.5919% | 5,480 |
| Core capital (leverage) ratio | 8.5080% | 5,421 |
| Tier 1 risk-based capital ratio | 11.6404% | 5,166 |
| Total risk-based capital ratio | 12.3850% | 5,352 |
| Memoranda: | ||
| Average total assets | $189,523,200 | 3,061 |
| Average earning assets | $177,747,200 | 3,019 |
| Average equity | $16,607,800 | 3,582 |
| Average total loans | $138,645,800 | 2,740 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6665% | 209 |
| Cost of funding earning assets | 0.5230% | 2,015 |
| Net interest margin | 5.1435% | 195 |
| Noninterest income to average assets | 0.5807% | 2,851 |
| Noninterest expense to average assets | 2.8145% | 3,127 |
| Loan and lease loss provision to assets | 0.1130% | 2,001 |
| Net operating income to assets | 2.4897% | 162 |
| Return on assets (ROA) | 2.4897% | 167 |
| Pretax return on assets | 2.4897% | 241 |
| Return on Equity (ROE) | 28.2670% | 71 |
| Retained earnings to average equity (ytd only) | 10.0625% | 625 |
| Net charge-offs to loans | 0.0335% | 3,247 |
| Credit loss provision to net charge-offs | 467.6471% | 684 |
| Earnings coverage of net charge-offs (x) | 107.7110% | 585 |
| Efficiency ratio | 51.9549% | 5,659 |
| Assets per employee ($millions) | 3.8155% | 4,240 |
| Cash dividends to net income (ytd only)* | 64.4018% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 5,707 |
| Loan loss allowance to noncurrent loans | 49.4302% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 1,990 |
| Noncurrent loans to loans | 1.4391% | 1,750 |
| Net loans and leases to total assets | 73.2359% | 1,864 |
| Net loans and leases to deposits | 96.1342% | 991 |
| Net loans and leases to core deposits | 104.6625% | 1,189 |
| Total domestic deposits to total assets | 76.1809% | 5,463 |
| Equity capital to assets | 8.5769% | 5,656 |
| Core capital (leverage) ratio | 8.7844% | 5,251 |
| Tier 1 risk-based capital ratio | 11.9152% | 5,132 |
| Total risk-based capital ratio | 12.6442% | 5,341 |
| Memoranda: | ||
| Average total assets | $187,593,250 | 3,108 |
| Average earning assets | $176,400,250 | 3,063 |
| Average equity | $16,523,000 | 3,623 |
| Average total loans | $135,179,500 | 2,814 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6235% | 221 |
| Cost of funding earning assets | 0.5280% | 2,002 |
| Net interest margin | 5.0955% | 211 |
| Noninterest income to average assets | 0.5750% | 2,878 |
| Noninterest expense to average assets | 2.7502% | 3,410 |
| Loan and lease loss provision to assets | 0.0783% | 2,556 |
| Net operating income to assets | 2.5512% | 160 |
| Return on assets (ROA) | 2.5512% | 167 |
| Pretax return on assets | 2.5512% | 235 |
| Return on Equity (ROE) | 28.6949% | 76 |
| Retained earnings to average equity (ytd only) | 11.9572% | 400 |
| Net charge-offs to loans | 0.0350% | 2,971 |
| Credit loss provision to net charge-offs | 313.0435% | 905 |
| Earnings coverage of net charge-offs (x) | 105.1739% | 579 |
| Efficiency ratio | 51.1214% | 5,789 |
| Assets per employee ($millions) | 3.5068% | 4,775 |
| Cash dividends to net income (ytd only)* | 58.3298% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 5,843 |
| Loan loss allowance to noncurrent loans | 1,556.4516% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 5,211 |
| Noncurrent loans to loans | 0.0442% | 5,572 |
| Net loans and leases to total assets | 75.0116% | 1,501 |
| Net loans and leases to deposits | 98.6771% | 737 |
| Net loans and leases to core deposits | 107.7562% | 971 |
| Total domestic deposits to total assets | 76.0172% | 5,595 |
| Equity capital to assets | 8.9800% | 5,248 |
| Core capital (leverage) ratio | 8.8199% | 5,204 |
| Tier 1 risk-based capital ratio | 12.4849% | 4,820 |
| Total risk-based capital ratio | 13.2067% | 5,080 |
| Memoranda: | ||
| Average total assets | $183,989,670 | 3,174 |
| Average earning assets | $173,486,330 | 3,114 |
| Average equity | $16,358,330 | 3,664 |
| Average total loans | $131,458,000 | 2,884 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6145% | 220 |
| Cost of funding earning assets | 0.5304% | 2,014 |
| Net interest margin | 5.0840% | 215 |
| Noninterest income to average assets | 0.5638% | 2,865 |
| Noninterest expense to average assets | 2.9303% | 2,807 |
| Loan and lease loss provision to assets | 0.0743% | 2,457 |
| Net operating income to assets | 2.3556% | 186 |
| Return on assets (ROA) | 2.3556% | 199 |
| Pretax return on assets | 2.3556% | 296 |
| Return on Equity (ROE) | 26.6296% | 86 |
| Retained earnings to average equity (ytd only) | 26.6296% | 38 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6678% | 5,622 |
| Assets per employee ($millions) | 3.6918% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 5,863 |
| Loan loss allowance to noncurrent loans | 778.6885% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 4,734 |
| Noncurrent loans to loans | 0.0927% | 5,417 |
| Net loans and leases to total assets | 69.3823% | 2,223 |
| Net loans and leases to deposits | 87.2958% | 1,698 |
| Net loans and leases to core deposits | 94.7955% | 1,709 |
| Total domestic deposits to total assets | 79.4795% | 5,174 |
| Equity capital to assets | 8.9266% | 5,370 |
| Core capital (leverage) ratio | 8.9795% | 4,973 |
| Tier 1 risk-based capital ratio | 13.7358% | 4,195 |
| Total risk-based capital ratio | 14.5114% | 4,376 |
| Memoranda: | ||
| Average total assets | $183,055,500 | 3,201 |
| Average earning assets | $172,697,000 | 3,140 |
| Average equity | $16,192,500 | 3,716 |
| Average total loans | $126,997,000 | 2,963 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 518 |
| Cost of funding earning assets | 0.5566% | 2,158 |
| Net interest margin | 4.6504% | 567 |
| Noninterest income to average assets | 0.7287% | 2,167 |
| Noninterest expense to average assets | 2.7633% | 3,618 |
| Loan and lease loss provision to assets | 0.1176% | 2,213 |
| Net operating income to assets | 2.2328% | 211 |
| Return on assets (ROA) | 2.2328% | 213 |
| Pretax return on assets | 2.2328% | 300 |
| Return on Equity (ROE) | 26.6173% | 84 |
| Retained earnings to average equity (ytd only) | 7.5024% | 1,191 |
| Net charge-offs to loans | 0.0622% | 3,602 |
| Credit loss provision to net charge-offs | 287.5000% | 888 |
| Earnings coverage of net charge-offs (x) | 57.4722% | 820 |
| Efficiency ratio | 54.0375% | 5,839 |
| Assets per employee ($millions) | 3.5566% | 4,805 |
| Cash dividends to net income (ytd only)* | 71.8138% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 5,885 |
| Loan loss allowance to noncurrent loans | 663.7681% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 4,656 |
| Noncurrent loans to loans | 0.1127% | 5,441 |
| Net loans and leases to total assets | 68.3205% | 2,509 |
| Net loans and leases to deposits | 84.2055% | 2,187 |
| Net loans and leases to core deposits | 92.3706% | 2,051 |
| Total domestic deposits to total assets | 81.1355% | 4,703 |
| Equity capital to assets | 8.7600% | 5,523 |
| Core capital (leverage) ratio | 8.4718% | 5,581 |
| Tier 1 risk-based capital ratio | 14.4016% | 3,832 |
| Total risk-based capital ratio | 15.2394% | 4,030 |
| Memoranda: | ||
| Average total assets | $176,058,600 | 3,258 |
| Average earning assets | $166,006,000 | 3,205 |
| Average equity | $14,768,600 | 3,882 |
| Average total loans | $115,684,800 | 3,116 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1453% | 581 |
| Cost of funding earning assets | 0.5591% | 2,205 |
| Net interest margin | 4.5862% | 636 |
| Noninterest income to average assets | 0.6567% | 2,541 |
| Noninterest expense to average assets | 2.6762% | 3,915 |
| Loan and lease loss provision to assets | 0.1154% | 2,128 |
| Net operating income to assets | 2.1873% | 245 |
| Return on assets (ROA) | 2.1873% | 248 |
| Pretax return on assets | 2.1873% | 374 |
| Return on Equity (ROE) | 26.3708% | 83 |
| Retained earnings to average equity (ytd only) | 9.4463% | 856 |
| Net charge-offs to loans | 0.0713% | 3,178 |
| Credit loss provision to net charge-offs | 249.1803% | 1,058 |
| Earnings coverage of net charge-offs (x) | 49.7221% | 983 |
| Efficiency ratio | 53.7511% | 5,844 |
| Assets per employee ($millions) | 3.8640% | 4,159 |
| Cash dividends to net income (ytd only)* | 64.1790% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7118% | 6,080 |
| Loan loss allowance to noncurrent loans | 1,245.7143% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.2982% | 5,071 |
| Noncurrent loans to loans | 0.0571% | 5,787 |
| Net loans and leases to total assets | 65.5842% | 2,940 |
| Net loans and leases to deposits | 79.7204% | 2,736 |
| Net loans and leases to core deposits | 88.4963% | 2,373 |
| Total domestic deposits to total assets | 82.2678% | 4,387 |
| Equity capital to assets | 8.3464% | 5,908 |
| Core capital (leverage) ratio | 8.8078% | 5,328 |
| Tier 1 risk-based capital ratio | 11.8885% | 5,563 |
| Total risk-based capital ratio | 12.5500% | 5,816 |
| Memoranda: | ||
| Average total assets | $175,615,500 | 3,284 |
| Average earning assets | $165,507,250 | 3,239 |
| Average equity | $14,566,250 | 3,937 |
| Average total loans | $114,003,250 | 3,167 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 643 |
| Cost of funding earning assets | 0.5699% | 2,163 |
| Net interest margin | 4.5115% | 689 |
| Noninterest income to average assets | 0.6766% | 2,394 |
| Noninterest expense to average assets | 2.6356% | 4,111 |
| Loan and lease loss provision to assets | 0.1021% | 2,313 |
| Net operating income to assets | 2.1923% | 232 |
| Return on assets (ROA) | 2.1923% | 240 |
| Pretax return on assets | 2.1923% | 371 |
| Return on Equity (ROE) | 26.4906% | 87 |
| Retained earnings to average equity (ytd only) | 11.1768% | 517 |
| Net charge-offs to loans | 0.0756% | 2,942 |
| Credit loss provision to net charge-offs | 209.5238% | 1,118 |
| Earnings coverage of net charge-offs (x) | 47.0714% | 950 |
| Efficiency ratio | 53.4605% | 5,956 |
| Assets per employee ($millions) | 3.5214% | 4,804 |
| Cash dividends to net income (ytd only)* | 57.8084% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6976% | 6,177 |
| Loan loss allowance to noncurrent loans | 337.5510% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 5,253 |
| Noncurrent loans to loans | 0.2067% | 5,401 |
| Net loans and leases to total assets | 66.8639% | 2,606 |
| Net loans and leases to deposits | 81.7775% | 2,276 |
| Net loans and leases to core deposits | 91.2039% | 2,008 |
| Total domestic deposits to total assets | 81.7633% | 4,732 |
| Equity capital to assets | 8.2616% | 5,975 |
| Core capital (leverage) ratio | 8.5293% | 5,606 |
| Tier 1 risk-based capital ratio | 12.4926% | 5,233 |
| Total risk-based capital ratio | 13.1930% | 5,499 |
| Memoranda: | ||
| Average total assets | $172,330,670 | 3,348 |
| Average earning assets | $162,473,000 | 3,289 |
| Average equity | $14,261,670 | 3,990 |
| Average total loans | $111,167,330 | 3,216 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 834 |
| Cost of funding earning assets | 0.5784% | 2,166 |
| Net interest margin | 4.3443% | 911 |
| Noninterest income to average assets | 0.6852% | 2,255 |
| Noninterest expense to average assets | 2.7643% | 3,702 |
| Loan and lease loss provision to assets | 0.0469% | 3,158 |
| Net operating income to assets | 1.9805% | 353 |
| Return on assets (ROA) | 1.9805% | 366 |
| Pretax return on assets | 1.9805% | 555 |
| Return on Equity (ROE) | 23.9102% | 149 |
| Retained earnings to average equity (ytd only) | 23.9102% | 66 |
| Net charge-offs to loans | 0.0484% | 2,707 |
| Credit loss provision to net charge-offs | 153.8462% | 1,239 |
| Earnings coverage of net charge-offs (x) | 66.4615% | 608 |
| Efficiency ratio | 57.6885% | 5,679 |
| Assets per employee ($millions) | 3.8216% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 6,273 |
| Loan loss allowance to noncurrent loans | 309.0196% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 5,810 |
| Noncurrent loans to loans | 0.2279% | 5,418 |
| Net loans and leases to total assets | 63.1908% | 3,036 |
| Net loans and leases to deposits | 76.8616% | 2,704 |
| Net loans and leases to core deposits | 86.0610% | 2,313 |
| Total domestic deposits to total assets | 82.2137% | 4,882 |
| Equity capital to assets | 8.2830% | 5,840 |
| Core capital (leverage) ratio | 8.5735% | 5,557 |
| Tier 1 risk-based capital ratio | 12.1614% | 5,534 |
| Total risk-based capital ratio | 12.8089% | 5,832 |
| Memoranda: | ||
| Average total assets | $170,462,000 | 3,399 |
| Average earning assets | $161,130,500 | 3,333 |
| Average equity | $14,119,500 | 4,025 |
| Average total loans | $107,474,500 | 3,313 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0016% | 920 |
| Cost of funding earning assets | 0.5804% | 2,834 |
| Net interest margin | 4.4212% | 876 |
| Noninterest income to average assets | 0.7031% | 2,524 |
| Noninterest expense to average assets | 2.7555% | 3,886 |
| Loan and lease loss provision to assets | 0.0200% | 4,741 |
| Net operating income to assets | 2.0630% | 303 |
| Return on assets (ROA) | 2.0630% | 309 |
| Pretax return on assets | 2.0630% | 424 |
| Return on Equity (ROE) | 24.3260% | 139 |
| Retained earnings to average equity (ytd only) | 6.6075% | 1,619 |
| Net charge-offs to loans | 0.0257% | 4,910 |
| Credit loss provision to net charge-offs | 128.0000% | 1,836 |
| Earnings coverage of net charge-offs (x) | 133.0800% | 349 |
| Efficiency ratio | 56.9488% | 5,858 |
| Assets per employee ($millions) | 3.5134% | 4,873 |
| Cash dividends to net income (ytd only)* | 72.8376% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 6,251 |
| Loan loss allowance to noncurrent loans | 2,110.8108% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 6,335 |
| Noncurrent loans to loans | 0.0359% | 6,141 |
| Net loans and leases to total assets | 61.9478% | 3,372 |
| Net loans and leases to deposits | 76.2366% | 2,938 |
| Net loans and leases to core deposits | 82.9287% | 2,783 |
| Total domestic deposits to total assets | 81.2573% | 5,107 |
| Equity capital to assets | 8.2831% | 5,786 |
| Core capital (leverage) ratio | 8.1733% | 5,999 |
| Tier 1 risk-based capital ratio | 10.9895% | 6,178 |
| Total risk-based capital ratio | 11.6045% | 6,374 |
| Memoranda: | ||
| Average total assets | $159,718,400 | 3,564 |
| Average earning assets | $149,392,600 | 3,514 |
| Average equity | $13,545,200 | 4,156 |
| Average total loans | $97,304,200 | 3,521 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0442% | 859 |
| Cost of funding earning assets | 0.5757% | 3,037 |
| Net interest margin | 4.4685% | 773 |
| Noninterest income to average assets | 0.6491% | 2,885 |
| Noninterest expense to average assets | 2.7472% | 3,843 |
| Loan and lease loss provision to assets | 0.0152% | 4,707 |
| Net operating income to assets | 2.0492% | 331 |
| Return on assets (ROA) | 2.0492% | 341 |
| Pretax return on assets | 2.0492% | 516 |
| Return on Equity (ROE) | 24.0175% | 140 |
| Retained earnings to average equity (ytd only) | 8.3085% | 1,293 |
| Net charge-offs to loans | 0.0209% | 4,713 |
| Credit loss provision to net charge-offs | 120.0000% | 1,964 |
| Earnings coverage of net charge-offs (x) | 163.4625% | 341 |
| Efficiency ratio | 57.0954% | 5,789 |
| Assets per employee ($millions) | 3.6099% | 4,641 |
| Cash dividends to net income (ytd only)* | 65.4067% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 6,305 |
| Loan loss allowance to noncurrent loans | 809.3750% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 6,286 |
| Noncurrent loans to loans | 0.0975% | 6,044 |
| Net loans and leases to total assets | 56.3942% | 4,265 |
| Net loans and leases to deposits | 68.5000% | 4,005 |
| Net loans and leases to core deposits | 73.9102% | 3,856 |
| Total domestic deposits to total assets | 82.3273% | 4,815 |
| Equity capital to assets | 7.8962% | 6,214 |
| Core capital (leverage) ratio | 8.8249% | 5,372 |
| Tier 1 risk-based capital ratio | 12.3233% | 5,557 |
| Total risk-based capital ratio | 13.0120% | 5,874 |
| Memoranda: | ||
| Average total assets | $158,365,250 | 3,618 |
| Average earning assets | $147,519,250 | 3,583 |
| Average equity | $13,512,000 | 4,207 |
| Average total loans | $95,861,250 | 3,580 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 723 |
| Cost of funding earning assets | 0.5864% | 3,069 |
| Net interest margin | 4.5461% | 652 |
| Noninterest income to average assets | 0.6897% | 2,690 |
| Noninterest expense to average assets | 2.7758% | 3,758 |
| Loan and lease loss provision to assets | 0.0130% | 4,620 |
| Net operating income to assets | 2.1161% | 299 |
| Return on assets (ROA) | 2.1161% | 314 |
| Pretax return on assets | 2.1161% | 485 |
| Return on Equity (ROE) | 24.1243% | 139 |
| Retained earnings to average equity (ytd only) | 8.7846% | 1,188 |
| Net charge-offs to loans | 0.0063% | 4,759 |
| Credit loss provision to net charge-offs | 333.3333% | 775 |
| Earnings coverage of net charge-offs (x) | 544.3333% | 76 |
| Efficiency ratio | 56.5922% | 5,889 |
| Assets per employee ($millions) | 3.1509% | 5,583 |
| Cash dividends to net income (ytd only)* | 63.5860% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 6,401 |
| Loan loss allowance to noncurrent loans | 3,124.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 6,497 |
| Noncurrent loans to loans | 0.0248% | 6,340 |
| Net loans and leases to total assets | 66.0183% | 2,587 |
| Net loans and leases to deposits | 82.0565% | 2,054 |
| Net loans and leases to core deposits | 89.5562% | 1,947 |
| Total domestic deposits to total assets | 80.4546% | 5,491 |
| Equity capital to assets | 8.8692% | 5,370 |
| Core capital (leverage) ratio | 8.8556% | 5,216 |
| Tier 1 risk-based capital ratio | 12.5262% | 5,477 |
| Total risk-based capital ratio | 13.2428% | 5,747 |
| Memoranda: | ||
| Average total assets | $153,396,000 | 3,716 |
| Average earning assets | $142,231,000 | 3,688 |
| Average equity | $13,455,330 | 4,249 |
| Average total loans | $94,984,000 | 3,611 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9845% | 919 |
| Cost of funding earning assets | 0.5712% | 3,367 |
| Net interest margin | 4.4133% | 787 |
| Noninterest income to average assets | 0.6603% | 2,814 |
| Noninterest expense to average assets | 2.8303% | 3,598 |
| Loan and lease loss provision to assets | 0.0104% | 4,321 |
| Net operating income to assets | 1.9214% | 392 |
| Return on assets (ROA) | 1.9214% | 428 |
| Pretax return on assets | 1.9214% | 703 |
| Return on Equity (ROE) | 22.0243% | 197 |
| Retained earnings to average equity (ytd only) | 22.0243% | 100 |
| Net charge-offs to loans | -0.0043% | 5,241 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4345% | 5,662 |
| Assets per employee ($millions) | 3.3554% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 6,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 59.9472% | 3,433 |
| Net loans and leases to deposits | 72.7680% | 3,088 |
| Net loans and leases to core deposits | 79.2227% | 2,901 |
| Total domestic deposits to total assets | 82.3813% | 5,065 |
| Equity capital to assets | 8.7767% | 5,729 |
| Core capital (leverage) ratio | 8.9412% | 4,982 |
| Tier 1 risk-based capital ratio | 11.7839% | 6,039 |
| Total risk-based capital ratio | 12.4491% | 6,291 |
| Memoranda: | ||
| Average total assets | $154,472,500 | 3,732 |
| Average earning assets | $143,565,500 | 3,704 |
| Average equity | $13,476,000 | 4,290 |
| Average total loans | $92,161,500 | 3,692 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2363% | 1,045 |
| Cost of funding earning assets | 0.6125% | 4,232 |
| Net interest margin | 4.6238% | 752 |
| Noninterest income to average assets | 0.8370% | 2,098 |
| Noninterest expense to average assets | 2.8422% | 3,866 |
| Loan and lease loss provision to assets | 0.0648% | 4,950 |
| Net operating income to assets | 2.2384% | 235 |
| Return on assets (ROA) | 2.2384% | 259 |
| Pretax return on assets | 2.2384% | 375 |
| Return on Equity (ROE) | 24.5480% | 136 |
| Retained earnings to average equity (ytd only) | 5.2233% | 2,556 |
| Net charge-offs to loans | 0.0383% | 5,382 |
| Credit loss provision to net charge-offs | 278.7879% | 862 |
| Earnings coverage of net charge-offs (x) | 99.0606% | 383 |
| Efficiency ratio | 55.2376% | 6,143 |
| Assets per employee ($millions) | 3.2879% | 5,443 |
| Cash dividends to net income (ytd only)* | 78.7221% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8696% | 6,344 |
| Loan loss allowance to noncurrent loans | 9,675.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 6,687 |
| Noncurrent loans to loans | 0.0090% | 6,550 |
| Net loans and leases to total assets | 58.3379% | 3,915 |
| Net loans and leases to deposits | 70.5083% | 3,635 |
| Net loans and leases to core deposits | 77.2400% | 3,367 |
| Total domestic deposits to total assets | 82.7390% | 4,830 |
| Equity capital to assets | 8.6688% | 5,883 |
| Core capital (leverage) ratio | 8.3375% | 5,842 |
| Tier 1 risk-based capital ratio | 11.1357% | 6,298 |
| Total risk-based capital ratio | 11.7957% | 6,503 |
| Memoranda: | ||
| Average total assets | $141,934,600 | 3,916 |
| Average earning assets | $132,249,600 | 3,848 |
| Average equity | $12,942,000 | 4,370 |
| Average total loans | $86,122,600 | 3,843 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3177% | 974 |
| Cost of funding earning assets | 0.6098% | 4,539 |
| Net interest margin | 4.7079% | 665 |
| Noninterest income to average assets | 0.7698% | 2,382 |
| Noninterest expense to average assets | 2.8852% | 3,658 |
| Loan and lease loss provision to assets | 0.0831% | 4,582 |
| Net operating income to assets | 2.1956% | 283 |
| Return on assets (ROA) | 2.1956% | 320 |
| Pretax return on assets | 2.1956% | 484 |
| Return on Equity (ROE) | 23.7622% | 172 |
| Retained earnings to average equity (ytd only) | 7.0801% | 2,080 |
| Net charge-offs to loans | 0.0406% | 5,080 |
| Credit loss provision to net charge-offs | 334.6154% | 794 |
| Earnings coverage of net charge-offs (x) | 91.7580% | 457 |
| Efficiency ratio | 55.8720% | 6,071 |
| Assets per employee ($millions) | 3.3630% | 5,297 |
| Cash dividends to net income (ytd only)* | 70.2045% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 6,409 |
| Loan loss allowance to noncurrent loans | 4,850.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,759 |
| Noncurrent loans to loans | 0.0183% | 6,599 |
| Net loans and leases to total assets | 54.7422% | 4,633 |
| Net loans and leases to deposits | 65.5786% | 4,525 |
| Net loans and leases to core deposits | 71.1507% | 4,360 |
| Total domestic deposits to total assets | 83.4758% | 4,448 |
| Equity capital to assets | 8.3190% | 6,408 |
| Core capital (leverage) ratio | 8.8763% | 5,231 |
| Tier 1 risk-based capital ratio | 14.0558% | 4,486 |
| Total risk-based capital ratio | 14.8905% | 4,751 |
| Memoranda: | ||
| Average total assets | $139,607,500 | 3,998 |
| Average earning assets | $130,303,000 | 3,930 |
| Average equity | $12,899,750 | 4,415 |
| Average total loans | $85,401,750 | 3,904 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4791% | 750 |
| Cost of funding earning assets | 0.6289% | 4,638 |
| Net interest margin | 4.8502% | 516 |
| Noninterest income to average assets | 0.8003% | 2,175 |
| Noninterest expense to average assets | 2.9268% | 3,518 |
| Loan and lease loss provision to assets | 0.1304% | 3,899 |
| Net operating income to assets | 2.2734% | 252 |
| Return on assets (ROA) | 2.2734% | 282 |
| Pretax return on assets | 2.2734% | 433 |
| Return on Equity (ROE) | 23.6723% | 190 |
| Retained earnings to average equity (ytd only) | 8.6918% | 1,381 |
| Net charge-offs to loans | 0.0401% | 4,817 |
| Credit loss provision to net charge-offs | 511.7647% | 588 |
| Earnings coverage of net charge-offs (x) | 94.3529% | 451 |
| Efficiency ratio | 54.9058% | 6,236 |
| Assets per employee ($millions) | 3.0344% | 5,995 |
| Cash dividends to net income (ytd only)* | 63.2828% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 6,571 |
| Loan loss allowance to noncurrent loans | 1,032.8947% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 6,678 |
| Noncurrent loans to loans | 0.0822% | 6,455 |
| Net loans and leases to total assets | 68.6575% | 2,176 |
| Net loans and leases to deposits | 82.4939% | 2,047 |
| Net loans and leases to core deposits | 89.5711% | 2,025 |
| Total domestic deposits to total assets | 83.2274% | 4,666 |
| Equity capital to assets | 9.7285% | 4,721 |
| Core capital (leverage) ratio | 9.5969% | 4,004 |
| Tier 1 risk-based capital ratio | 14.0922% | 4,374 |
| Total risk-based capital ratio | 14.9471% | 4,644 |
| Memoranda: | ||
| Average total assets | $133,457,000 | 4,129 |
| Average earning assets | $124,655,330 | 4,061 |
| Average equity | $12,816,670 | 4,430 |
| Average total loans | $84,768,670 | 3,948 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 1,088 |
| Cost of funding earning assets | 0.6268% | 4,924 |
| Net interest margin | 4.6769% | 712 |
| Noninterest income to average assets | 0.7974% | 2,181 |
| Noninterest expense to average assets | 3.0518% | 3,076 |
| Loan and lease loss provision to assets | 0.1889% | 3,068 |
| Net operating income to assets | 1.9636% | 452 |
| Return on assets (ROA) | 1.9636% | 518 |
| Pretax return on assets | 1.9636% | 789 |
| Return on Equity (ROE) | 20.5805% | 348 |
| Retained earnings to average equity (ytd only) | 20.5805% | 173 |
| Net charge-offs to loans | -0.0049% | 5,793 |
| Credit loss provision to net charge-offs | -6,300.0000% | 6,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6406% | 5,829 |
| Assets per employee ($millions) | 3.1727% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 6,445 |
| Loan loss allowance to noncurrent loans | 3,116.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 6,866 |
| Noncurrent loans to loans | 0.0301% | 6,694 |
| Net loans and leases to total assets | 60.2321% | 3,615 |
| Net loans and leases to deposits | 72.1380% | 3,418 |
| Net loans and leases to core deposits | 77.2037% | 3,437 |
| Total domestic deposits to total assets | 83.4956% | 4,714 |
| Equity capital to assets | 9.5672% | 4,699 |
| Core capital (leverage) ratio | 9.8190% | 3,613 |
| Tier 1 risk-based capital ratio | 15.0386% | 3,737 |
| Total risk-based capital ratio | 15.9371% | 3,922 |
| Memoranda: | ||
| Average total assets | $133,428,000 | 4,155 |
| Average earning assets | $125,724,500 | 4,068 |
| Average equity | $12,730,500 | 4,458 |
| Average total loans | $80,926,500 | 4,095 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 1,031 |
| Cost of funding earning assets | 0.7115% | 5,466 |
| Net interest margin | 4.8525% | 568 |
| Noninterest income to average assets | 0.9327% | 1,558 |
| Noninterest expense to average assets | 3.0894% | 3,236 |
| Loan and lease loss provision to assets | 0.1737% | 4,460 |
| Net operating income to assets | 2.2120% | 221 |
| Return on assets (ROA) | 2.2120% | 230 |
| Pretax return on assets | 2.2120% | 360 |
| Return on Equity (ROE) | 22.6702% | 167 |
| Retained earnings to average equity (ytd only) | 5.3168% | 2,438 |
| Net charge-offs to loans | 0.0454% | 5,849 |
| Credit loss provision to net charge-offs | 620.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 85.1429% | 346 |
| Efficiency ratio | 56.4264% | 6,261 |
| Assets per employee ($millions) | 2.9644% | 6,172 |
| Cash dividends to net income (ytd only)* | 76.5472% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 6,521 |
| Loan loss allowance to noncurrent loans | 2,234.3750% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 6,910 |
| Noncurrent loans to loans | 0.0406% | 6,728 |
| Net loans and leases to total assets | 59.9454% | 4,000 |
| Net loans and leases to deposits | 71.9069% | 3,810 |
| Net loans and leases to core deposits | 77.4024% | 3,759 |
| Total domestic deposits to total assets | 83.3653% | 4,602 |
| Equity capital to assets | 9.5138% | 4,867 |
| Core capital (leverage) ratio | 9.2191% | 4,437 |
| Tier 1 risk-based capital ratio | 14.7462% | 3,798 |
| Total risk-based capital ratio | 15.5977% | 4,050 |
| Memoranda: | ||
| Average total assets | $124,909,600 | 4,276 |
| Average earning assets | $116,929,400 | 4,212 |
| Average equity | $12,187,800 | 4,508 |
| Average total loans | $77,020,800 | 4,239 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6361% | 965 |
| Cost of funding earning assets | 0.7304% | 5,593 |
| Net interest margin | 4.9058% | 506 |
| Noninterest income to average assets | 0.8516% | 1,830 |
| Noninterest expense to average assets | 3.0826% | 3,226 |
| Loan and lease loss provision to assets | 0.1608% | 4,458 |
| Net operating income to assets | 2.1900% | 261 |
| Return on assets (ROA) | 2.1900% | 277 |
| Pretax return on assets | 2.1900% | 434 |
| Return on Equity (ROE) | 22.2977% | 209 |
| Retained earnings to average equity (ytd only) | 6.3299% | 2,346 |
| Net charge-offs to loans | 0.0348% | 5,661 |
| Credit loss provision to net charge-offs | 745.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 108.8838% | 334 |
| Efficiency ratio | 56.7342% | 6,183 |
| Assets per employee ($millions) | 3.0585% | 5,994 |
| Cash dividends to net income (ytd only)* | 71.6113% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 6,731 |
| Loan loss allowance to noncurrent loans | 1,351.0204% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 6,960 |
| Noncurrent loans to loans | 0.0625% | 6,775 |
| Net loans and leases to total assets | 59.0681% | 4,310 |
| Net loans and leases to deposits | 70.6835% | 4,189 |
| Net loans and leases to core deposits | 76.6077% | 4,112 |
| Total domestic deposits to total assets | 83.5670% | 4,449 |
| Equity capital to assets | 9.3966% | 5,245 |
| Core capital (leverage) ratio | 9.6605% | 3,902 |
| Tier 1 risk-based capital ratio | 14.3346% | 4,100 |
| Total risk-based capital ratio | 15.1054% | 4,412 |
| Memoranda: | ||
| Average total assets | $123,529,000 | 4,329 |
| Average earning assets | $115,371,750 | 4,269 |
| Average equity | $12,132,500 | 4,530 |
| Average total loans | $76,550,250 | 4,294 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 1,008 |
| Cost of funding earning assets | 0.7493% | 5,672 |
| Net interest margin | 4.8844% | 506 |
| Noninterest income to average assets | 0.8588% | 1,777 |
| Noninterest expense to average assets | 3.1324% | 3,138 |
| Loan and lease loss provision to assets | 0.1373% | 4,587 |
| Net operating income to assets | 2.1412% | 281 |
| Return on assets (ROA) | 2.1412% | 289 |
| Pretax return on assets | 2.1412% | 457 |
| Return on Equity (ROE) | 21.4641% | 254 |
| Retained earnings to average equity (ytd only) | 8.0283% | 1,455 |
| Net charge-offs to loans | 0.0448% | 5,228 |
| Credit loss provision to net charge-offs | 488.2353% | 637 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 421 |
| Efficiency ratio | 57.8899% | 6,179 |
| Assets per employee ($millions) | 2.6904% | 6,654 |
| Cash dividends to net income (ytd only)* | 62.5966% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7151% | 6,998 |
| Loan loss allowance to noncurrent loans | 1,032.7586% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 6,977 |
| Noncurrent loans to loans | 0.0692% | 6,807 |
| Net loans and leases to total assets | 68.6928% | 2,479 |
| Net loans and leases to deposits | 83.5141% | 2,179 |
| Net loans and leases to core deposits | 90.4282% | 2,313 |
| Total domestic deposits to total assets | 82.2529% | 5,079 |
| Equity capital to assets | 10.1340% | 3,972 |
| Core capital (leverage) ratio | 10.0531% | 3,199 |
| Tier 1 risk-based capital ratio | 13.1929% | 4,773 |
| Total risk-based capital ratio | 13.8396% | 5,230 |
| Memoranda: | ||
| Average total assets | $120,866,670 | 4,427 |
| Average earning assets | $112,643,330 | 4,365 |
| Average equity | $12,057,330 | 4,546 |
| Average total loans | $75,951,670 | 4,347 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 1,469 |
| Cost of funding earning assets | 0.7454% | 5,894 |
| Net interest margin | 4.6879% | 728 |
| Noninterest income to average assets | 0.8446% | 1,868 |
| Noninterest expense to average assets | 3.2791% | 2,625 |
| Loan and lease loss provision to assets | 0.0994% | 4,766 |
| Net operating income to assets | 1.8615% | 433 |
| Return on assets (ROA) | 1.8615% | 455 |
| Pretax return on assets | 1.8615% | 724 |
| Return on Equity (ROE) | 18.8094% | 410 |
| Retained earnings to average equity (ytd only) | 18.8094% | 201 |
| Net charge-offs to loans | 0.0167% | 4,846 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 197.3333% | 156 |
| Efficiency ratio | 62.5790% | 5,588 |
| Assets per employee ($millions) | 2.8693% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 7,002 |
| Loan loss allowance to noncurrent loans | 1,473.6842% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 7,002 |
| Noncurrent loans to loans | 0.0510% | 6,922 |
| Net loans and leases to total assets | 61.3798% | 3,994 |
| Net loans and leases to deposits | 74.7179% | 3,645 |
| Net loans and leases to core deposits | 80.4862% | 3,671 |
| Total domestic deposits to total assets | 82.1487% | 5,251 |
| Equity capital to assets | 10.1558% | 3,588 |
| Core capital (leverage) ratio | 10.0961% | 3,043 |
| Tier 1 risk-based capital ratio | 13.6479% | 4,330 |
| Total risk-based capital ratio | 14.2694% | 4,794 |
| Memoranda: | ||
| Average total assets | $120,766,000 | 4,452 |
| Average earning assets | $113,227,500 | 4,370 |
| Average equity | $11,951,500 | 4,560 |
| Average total loans | $72,045,500 | 4,543 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 3,854 |
| Cost of funding earning assets | 0.8450% | 6,382 |
| Net interest margin | 4.3041% | 1,810 |
| Noninterest income to average assets | 1.0505% | 1,355 |
| Noninterest expense to average assets | 3.0561% | 3,641 |
| Loan and lease loss provision to assets | 0.0889% | 6,259 |
| Net operating income to assets | 1.9200% | 325 |
| Return on assets (ROA) | 1.9200% | 347 |
| Pretax return on assets | 1.9200% | 587 |
| Return on Equity (ROE) | 19.7661% | 269 |
| Retained earnings to average equity (ytd only) | 0.0085% | 5,572 |
| Net charge-offs to loans | 0.1077% | 5,795 |
| Credit loss provision to net charge-offs | 150.7042% | 2,396 |
| Earnings coverage of net charge-offs (x) | 34.0704% | 664 |
| Efficiency ratio | 60.3378% | 5,994 |
| Assets per employee ($millions) | 2.8814% | 6,374 |
| Cash dividends to net income (ytd only)* | 99.9567% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7662% | 7,033 |
| Loan loss allowance to noncurrent loans | 969.0909% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 7,094 |
| Noncurrent loans to loans | 0.0791% | 6,935 |
| Net loans and leases to total assets | 57.0385% | 5,182 |
| Net loans and leases to deposits | 68.1819% | 5,077 |
| Net loans and leases to core deposits | 73.6676% | 5,022 |
| Total domestic deposits to total assets | 83.6564% | 4,523 |
| Equity capital to assets | 9.6381% | 4,225 |
| Core capital (leverage) ratio | 9.3148% | 3,985 |
| Tier 1 risk-based capital ratio | 13.1012% | 4,521 |
| Total risk-based capital ratio | 13.6962% | 5,053 |
| Memoranda: | ||
| Average total assets | $120,416,400 | 4,474 |
| Average earning assets | $112,311,000 | 4,415 |
| Average equity | $11,696,800 | 4,693 |
| Average total loans | $65,917,800 | 4,830 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 4,202 |
| Cost of funding earning assets | 0.8680% | 6,514 |
| Net interest margin | 4.2554% | 2,012 |
| Noninterest income to average assets | 0.9157% | 1,738 |
| Noninterest expense to average assets | 3.0221% | 3,667 |
| Loan and lease loss provision to assets | 0.0776% | 6,271 |
| Net operating income to assets | 1.7782% | 535 |
| Return on assets (ROA) | 1.7782% | 581 |
| Pretax return on assets | 1.7782% | 963 |
| Return on Equity (ROE) | 18.2709% | 460 |
| Retained earnings to average equity (ytd only) | -1.1504% | 6,038 |
| Net charge-offs to loans | 0.0903% | 5,625 |
| Credit loss provision to net charge-offs | 159.0909% | 2,391 |
| Earnings coverage of net charge-offs (x) | 38.0423% | 716 |
| Efficiency ratio | 61.9545% | 5,628 |
| Assets per employee ($millions) | 2.8463% | 6,490 |
| Cash dividends to net income (ytd only)* | 106.2971% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 7,033 |
| Loan loss allowance to noncurrent loans | 1,634.3750% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 7,273 |
| Noncurrent loans to loans | 0.0482% | 7,126 |
| Net loans and leases to total assets | 53.8406% | 5,872 |
| Net loans and leases to deposits | 64.4416% | 5,858 |
| Net loans and leases to core deposits | 68.7792% | 5,868 |
| Total domestic deposits to total assets | 83.5494% | 4,351 |
| Equity capital to assets | 9.5440% | 4,773 |
| Core capital (leverage) ratio | 9.7724% | 3,522 |
| Tier 1 risk-based capital ratio | 13.5210% | 4,190 |
| Total risk-based capital ratio | 14.1288% | 4,658 |
| Memoranda: | ||
| Average total assets | $120,265,500 | 4,534 |
| Average earning assets | $111,979,750 | 4,484 |
| Average equity | $11,705,000 | 4,763 |
| Average total loans | $65,007,000 | 4,945 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0831% | 4,548 |
| Cost of funding earning assets | 0.9039% | 6,564 |
| Net interest margin | 4.1792% | 2,225 |
| Noninterest income to average assets | 0.9435% | 1,533 |
| Noninterest expense to average assets | 2.9910% | 3,744 |
| Loan and lease loss provision to assets | 0.0602% | 6,351 |
| Net operating income to assets | 1.7749% | 509 |
| Return on assets (ROA) | 1.7749% | 557 |
| Pretax return on assets | 1.7749% | 931 |
| Return on Equity (ROE) | 18.1166% | 455 |
| Retained earnings to average equity (ytd only) | -2.2881% | 6,193 |
| Net charge-offs to loans | 0.0961% | 5,187 |
| Credit loss provision to net charge-offs | 116.1290% | 3,499 |
| Earnings coverage of net charge-offs (x) | 35.3871% | 806 |
| Efficiency ratio | 61.9757% | 5,693 |
| Assets per employee ($millions) | 2.6174% | 6,918 |
| Cash dividends to net income (ytd only)* | 112.6296% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7270% | 7,193 |
| Loan loss allowance to noncurrent loans | 1,930.7692% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 7,320 |
| Noncurrent loans to loans | 0.0377% | 7,224 |
| Net loans and leases to total assets | 59.5205% | 5,151 |
| Net loans and leases to deposits | 72.0140% | 4,994 |
| Net loans and leases to core deposits | 77.2320% | 5,059 |
| Total domestic deposits to total assets | 82.6513% | 4,716 |
| Equity capital to assets | 10.1166% | 3,869 |
| Core capital (leverage) ratio | 9.9473% | 3,226 |
| Tier 1 risk-based capital ratio | 13.1311% | 4,337 |
| Total risk-based capital ratio | 13.6993% | 4,884 |
| Memoranda: | ||
| Average total assets | $119,557,000 | 4,574 |
| Average earning assets | $111,074,000 | 4,532 |
| Average equity | $11,713,000 | 4,759 |
| Average total loans | $64,536,330 | 4,999 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9607% | 5,193 |
| Cost of funding earning assets | 0.9352% | 6,635 |
| Net interest margin | 4.0254% | 2,767 |
| Noninterest income to average assets | 0.8969% | 1,639 |
| Noninterest expense to average assets | 3.0981% | 3,271 |
| Loan and lease loss provision to assets | 0.0460% | 6,211 |
| Net operating income to assets | 1.4718% | 943 |
| Return on assets (ROA) | 1.4718% | 1,010 |
| Pretax return on assets | 1.4718% | 1,592 |
| Return on Equity (ROE) | 15.2589% | 826 |
| Retained earnings to average equity (ytd only) | -3.1676% | 6,383 |
| Net charge-offs to loans | 0.0385% | 5,041 |
| Credit loss provision to net charge-offs | 233.3333% | 1,636 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 400 |
| Efficiency ratio | 67.1174% | 4,894 |
| Assets per employee ($millions) | 2.7617% | 6,727 |
| Cash dividends to net income (ytd only)* | 120.7589% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 7,116 |
| Loan loss allowance to noncurrent loans | 2,295.4545% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 7,198 |
| Noncurrent loans to loans | 0.0351% | 7,325 |
| Net loans and leases to total assets | 51.1801% | 6,354 |
| Net loans and leases to deposits | 61.3112% | 6,340 |
| Net loans and leases to core deposits | 65.6148% | 6,320 |
| Total domestic deposits to total assets | 83.4760% | 4,396 |
| Equity capital to assets | 9.6121% | 4,362 |
| Core capital (leverage) ratio | 9.6944% | 3,524 |
| Tier 1 risk-based capital ratio | 12.9631% | 4,361 |
| Total risk-based capital ratio | 13.5254% | 4,891 |
| Memoranda: | ||
| Average total assets | $121,752,000 | 4,589 |
| Average earning assets | $112,484,500 | 4,555 |
| Average equity | $11,744,000 | 4,780 |
| Average total loans | $62,279,500 | 5,166 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 4,698 |
| Cost of funding earning assets | 1.2723% | 6,404 |
| Net interest margin | 4.1272% | 2,338 |
| Noninterest income to average assets | 1.0671% | 1,349 |
| Noninterest expense to average assets | 3.0910% | 3,784 |
| Loan and lease loss provision to assets | 0.0975% | 6,641 |
| Net operating income to assets | 1.7389% | 408 |
| Return on assets (ROA) | 1.7389% | 436 |
| Pretax return on assets | 1.7389% | 718 |
| Return on Equity (ROE) | 17.9268% | 372 |
| Retained earnings to average equity (ytd only) | 4.1450% | 2,316 |
| Net charge-offs to loans | 0.0751% | 6,363 |
| Credit loss provision to net charge-offs | 250.0000% | 1,414 |
| Earnings coverage of net charge-offs (x) | 47.0652% | 544 |
| Efficiency ratio | 62.7302% | 6,016 |
| Assets per employee ($millions) | 2.6520% | 6,944 |
| Cash dividends to net income (ytd only)* | 76.8780% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8034% | 7,118 |
| Loan loss allowance to noncurrent loans | 1,656.6667% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,464 |
| Noncurrent loans to loans | 0.0485% | 7,312 |
| Net loans and leases to total assets | 50.3041% | 6,606 |
| Net loans and leases to deposits | 60.4758% | 6,601 |
| Net loans and leases to core deposits | 73.8673% | 6,542 |
| Total domestic deposits to total assets | 83.1806% | 4,436 |
| Equity capital to assets | 9.6795% | 4,165 |
| Core capital (leverage) ratio | 9.4629% | 3,771 |
| Tier 1 risk-based capital ratio | 12.2642% | 4,717 |
| Total risk-based capital ratio | 12.7836% | 5,321 |
| Memoranda: | ||
| Average total assets | $117,891,400 | 4,634 |
| Average earning assets | $110,268,800 | 4,557 |
| Average equity | $11,435,400 | 4,901 |
| Average total loans | $61,231,200 | 5,198 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5229% | 4,304 |
| Cost of funding earning assets | 1.3265% | 6,473 |
| Net interest margin | 4.1964% | 2,074 |
| Noninterest income to average assets | 0.9697% | 1,708 |
| Noninterest expense to average assets | 3.0815% | 3,712 |
| Loan and lease loss provision to assets | 0.0913% | 6,456 |
| Net operating income to assets | 1.7273% | 530 |
| Return on assets (ROA) | 1.7273% | 561 |
| Pretax return on assets | 1.7273% | 920 |
| Return on Equity (ROE) | 17.7974% | 477 |
| Retained earnings to average equity (ytd only) | -0.7288% | 5,415 |
| Net charge-offs to loans | 0.0764% | 5,917 |
| Credit loss provision to net charge-offs | 228.5714% | 1,906 |
| Earnings coverage of net charge-offs (x) | 45.5385% | 685 |
| Efficiency ratio | 62.8871% | 5,950 |
| Assets per employee ($millions) | 2.7078% | 6,831 |
| Cash dividends to net income (ytd only)* | 104.0949% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 7,232 |
| Loan loss allowance to noncurrent loans | 15,766.6667% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,610 |
| Noncurrent loans to loans | 0.0048% | 7,522 |
| Net loans and leases to total assets | 50.6972% | 6,721 |
| Net loans and leases to deposits | 60.9648% | 6,752 |
| Net loans and leases to core deposits | 75.5002% | 6,642 |
| Total domestic deposits to total assets | 83.1581% | 4,146 |
| Equity capital to assets | 9.2909% | 5,050 |
| Core capital (leverage) ratio | 9.2980% | 4,193 |
| Tier 1 risk-based capital ratio | 12.6611% | 4,428 |
| Total risk-based capital ratio | 13.1959% | 4,959 |
| Memoranda: | ||
| Average total assets | $116,866,750 | 4,676 |
| Average earning assets | $109,456,000 | 4,609 |
| Average equity | $11,342,250 | 4,969 |
| Average total loans | $61,073,250 | 5,244 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5974% | 4,092 |
| Cost of funding earning assets | 1.3789% | 6,552 |
| Net interest margin | 4.2185% | 1,926 |
| Noninterest income to average assets | 0.9687% | 1,696 |
| Noninterest expense to average assets | 3.1926% | 3,357 |
| Loan and lease loss provision to assets | 0.0868% | 6,302 |
| Net operating income to assets | 1.6301% | 644 |
| Return on assets (ROA) | 1.6301% | 710 |
| Pretax return on assets | 1.6301% | 1,149 |
| Return on Equity (ROE) | 16.5472% | 638 |
| Retained earnings to average equity (ytd only) | -2.8548% | 5,942 |
| Net charge-offs to loans | 0.1055% | 5,109 |
| Credit loss provision to net charge-offs | 156.2500% | 2,944 |
| Earnings coverage of net charge-offs (x) | 30.9063% | 980 |
| Efficiency ratio | 65.0283% | 5,715 |
| Assets per employee ($millions) | 2.6824% | 6,872 |
| Cash dividends to net income (ytd only)* | 117.2524% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7146% | 7,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 7,542 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.4990% | 6,623 |
| Net loans and leases to deposits | 63.6831% | 6,599 |
| Net loans and leases to core deposits | 79.2254% | 6,471 |
| Total domestic deposits to total assets | 82.4379% | 4,508 |
| Equity capital to assets | 9.5063% | 4,604 |
| Core capital (leverage) ratio | 9.2725% | 4,207 |
| Tier 1 risk-based capital ratio | 12.5968% | 4,446 |
| Total risk-based capital ratio | 13.1030% | 4,960 |
| Memoranda: | ||
| Average total assets | $115,205,330 | 4,745 |
| Average earning assets | $107,621,330 | 4,689 |
| Average equity | $11,349,330 | 4,988 |
| Average total loans | $60,681,670 | 5,299 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6137% | 4,267 |
| Cost of funding earning assets | 1.4053% | 6,715 |
| Net interest margin | 4.2084% | 1,866 |
| Noninterest income to average assets | 0.8928% | 1,884 |
| Noninterest expense to average assets | 3.0511% | 3,557 |
| Loan and lease loss provision to assets | 0.1758% | 4,706 |
| Net operating income to assets | 1.6240% | 756 |
| Return on assets (ROA) | 1.6240% | 828 |
| Pretax return on assets | 1.6240% | 1,351 |
| Return on Equity (ROE) | 16.1906% | 792 |
| Retained earnings to average equity (ytd only) | -3.0489% | 6,291 |
| Net charge-offs to loans | 0.0334% | 5,047 |
| Credit loss provision to net charge-offs | 1,000.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 102.4000% | 426 |
| Efficiency ratio | 62.8986% | 5,891 |
| Assets per employee ($millions) | 2.6582% | 6,963 |
| Cash dividends to net income (ytd only)* | 118.8312% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 7,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 50.3386% | 6,832 |
| Net loans and leases to deposits | 61.0757% | 6,806 |
| Net loans and leases to core deposits | 74.7863% | 6,759 |
| Total domestic deposits to total assets | 82.4199% | 4,400 |
| Equity capital to assets | 9.6920% | 4,398 |
| Core capital (leverage) ratio | 9.7647% | 3,675 |
| Tier 1 risk-based capital ratio | 13.6009% | 3,800 |
| Total risk-based capital ratio | 14.1767% | 4,158 |
| Memoranda: | ||
| Average total assets | $113,794,500 | 4,804 |
| Average earning assets | $107,024,000 | 4,715 |
| Average equity | $11,414,000 | 5,002 |
| Average total loans | $59,818,000 | 5,368 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4346% | 3,254 |
| Cost of funding earning assets | 1.7669% | 7,096 |
| Net interest margin | 4.6677% | 1,030 |
| Noninterest income to average assets | 1.3251% | 828 |
| Noninterest expense to average assets | 3.3409% | 2,837 |
| Loan and lease loss provision to assets | 0.2039% | 4,851 |
| Net operating income to assets | 2.1323% | 271 |
| Return on assets (ROA) | 2.1323% | 266 |
| Pretax return on assets | 2.1323% | 458 |
| Return on Equity (ROE) | 20.6758% | 325 |
| Retained earnings to average equity (ytd only) | 3.2257% | 3,142 |
| Net charge-offs to loans | 0.2425% | 3,839 |
| Credit loss provision to net charge-offs | 147.6190% | 3,577 |
| Earnings coverage of net charge-offs (x) | 16.9116% | 1,807 |
| Efficiency ratio | 58.8479% | 6,550 |
| Assets per employee ($millions) | 2.4584% | 7,280 |
| Cash dividends to net income (ytd only)* | 84.3984% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 7,393 |
| Loan loss allowance to noncurrent loans | 1,945.4545% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0199% | 7,520 |
| Noncurrent loans to loans | 0.0365% | 7,361 |
| Net loans and leases to total assets | 54.1079% | 6,642 |
| Net loans and leases to deposits | 65.3757% | 6,685 |
| Net loans and leases to core deposits | 78.8685% | 6,698 |
| Total domestic deposits to total assets | 82.7646% | 3,870 |
| Equity capital to assets | 10.3881% | 3,629 |
| Core capital (leverage) ratio | 9.9371% | 3,509 |
| Tier 1 risk-based capital ratio | 14.4978% | 3,299 |
| Total risk-based capital ratio | 15.0489% | 3,567 |
| Memoranda: | ||
| Average total assets | $106,409,800 | 4,865 |
| Average earning assets | $99,213,600 | 4,824 |
| Average equity | $10,974,200 | 5,131 |
| Average total loans | $60,622,000 | 5,238 |