Home > Shamrock Bank, N.A. > Performance and Condition Ratios
Shamrock Bank, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 3,127 |
| Cost of funding earning assets | 1.0921% | 3,088 |
| Net interest margin | 3.3874% | 2,430 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 2.6808% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1240% | 1,844 |
| Return on assets (ROA) | 1.1194% | 1,834 |
| Pretax return on assets | 1.1194% | 2,355 |
| Return on Equity (ROE) | 18.3700% | 771 |
| Retained earnings to average equity (ytd only) | 3.1190% | 3,241 |
| Net charge-offs to loans | -0.1523% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.4586% | 1,818 |
| Assets per employee ($millions) | 5.1690% | 3,505 |
| Cash dividends to net income (ytd only)* | 83.0220% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,205 |
| Loan loss allowance to noncurrent loans | 4,659.2105% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,628 |
| Noncurrent loans to loans | 0.0311% | 3,513 |
| Net loans and leases to total assets | 56.1200% | 3,182 |
| Net loans and leases to deposits | 60.4336% | 3,497 |
| Net loans and leases to core deposits | 68.9585% | 3,359 |
| Total domestic deposits to total assets | 92.8700% | 187 |
| Equity capital to assets | 6.5970% | 4,081 |
| Core capital (leverage) ratio | 10.5903% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $430,425,600 | 1,918 |
| Average earning assets | $408,008,600 | 1,887 |
| Average equity | $26,226,600 | 2,447 |
| Average total loans | $242,261,400 | 2,049 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3653% | 3,166 |
| Cost of funding earning assets | 0.9973% | 3,050 |
| Net interest margin | 3.3680% | 2,527 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.7005% | 1,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0712% | 2,145 |
| Return on assets (ROA) | 1.0650% | 2,157 |
| Pretax return on assets | 1.0650% | 2,675 |
| Return on Equity (ROE) | 17.8500% | 966 |
| Retained earnings to average equity (ytd only) | 17.8465% | 346 |
| Net charge-offs to loans | -0.2145% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.5986% | 1,613 |
| Assets per employee ($millions) | 5.1164% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4646% | 1,213 |
| Loan loss allowance to noncurrent loans | 9,373.6842% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 3,767 |
| Noncurrent loans to loans | 0.0156% | 3,679 |
| Net loans and leases to total assets | 56.4300% | 3,164 |
| Net loans and leases to deposits | 60.3949% | 3,486 |
| Net loans and leases to core deposits | 68.6581% | 3,290 |
| Total domestic deposits to total assets | 93.4400% | 250 |
| Equity capital to assets | 5.7865% | 4,058 |
| Core capital (leverage) ratio | 11.0508% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $430,774,750 | 1,914 |
| Average earning assets | $408,299,000 | 1,880 |
| Average equity | $25,707,500 | 2,468 |
| Average total loans | $241,744,500 | 2,048 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2236% | 3,248 |
| Cost of funding earning assets | 0.8868% | 2,969 |
| Net interest margin | 3.3368% | 2,668 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.6626% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0753% | 2,193 |
| Return on assets (ROA) | 1.0661% | 2,218 |
| Pretax return on assets | 1.0661% | 2,734 |
| Return on Equity (ROE) | 17.6900% | 987 |
| Retained earnings to average equity (ytd only) | 17.6879% | 354 |
| Net charge-offs to loans | -0.3391% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.2325% | 1,641 |
| Assets per employee ($millions) | 5.2354% | 3,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 1,282 |
| Loan loss allowance to noncurrent loans | 3,809.5745% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 3,601 |
| Noncurrent loans to loans | 0.0385% | 3,454 |
| Net loans and leases to total assets | 55.2900% | 3,167 |
| Net loans and leases to deposits | 59.4469% | 3,456 |
| Net loans and leases to core deposits | 67.2021% | 3,277 |
| Total domestic deposits to total assets | 93.0200% | 253 |
| Equity capital to assets | 6.2691% | 4,076 |
| Core capital (leverage) ratio | 10.7421% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $432,812,000 | 1,912 |
| Average earning assets | $410,218,333 | 1,874 |
| Average equity | $26,085,667 | 2,459 |
| Average total loans | $241,259,333 | 2,042 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0869% | 3,273 |
| Cost of funding earning assets | 0.6991% | 3,057 |
| Net interest margin | 3.3879% | 2,663 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.6707% | 1,747 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1029% | 2,215 |
| Return on assets (ROA) | 1.1029% | 2,180 |
| Pretax return on assets | 1.1029% | 2,700 |
| Return on Equity (ROE) | 18.6800% | 931 |
| Retained earnings to average equity (ytd only) | 18.6769% | 460 |
| Net charge-offs to loans | 0.0100% | 1,561 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 198.5000% | 506 |
| Efficiency ratio | 70.7730% | 1,671 |
| Assets per employee ($millions) | 5.4134% | 3,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 2,009 |
| Loan loss allowance to noncurrent loans | 1,364.6552% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,248 |
| Noncurrent loans to loans | 0.0957% | 3,068 |
| Net loans and leases to total assets | 55.2500% | 3,095 |
| Net loans and leases to deposits | 59.3320% | 3,378 |
| Net loans and leases to core deposits | 65.4315% | 3,266 |
| Total domestic deposits to total assets | 93.1200% | 290 |
| Equity capital to assets | 6.2357% | 4,125 |
| Core capital (leverage) ratio | 10.4956% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $431,947,500 | 1,936 |
| Average earning assets | $409,107,500 | 1,906 |
| Average equity | $25,507,500 | 2,518 |
| Average total loans | $239,959,000 | 2,069 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 2,314 |
| Cost of funding earning assets | 0.2911% | 2,953 |
| Net interest margin | 3.4967% | 1,943 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.7221% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1620% | 1,925 |
| Return on assets (ROA) | 1.1520% | 1,910 |
| Pretax return on assets | 1.1520% | 2,599 |
| Return on Equity (ROE) | 15.8000% | 1,087 |
| Retained earnings to average equity (ytd only) | 3.6993% | 3,496 |
| Net charge-offs to loans | -0.0670% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.0823% | 1,675 |
| Assets per employee ($millions) | 5.1907% | 3,522 |
| Cash dividends to net income (ytd only)* | 76.5887% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 1,738 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 3,765 |
| Noncurrent loans to loans | 0.0219% | 3,646 |
| Net loans and leases to total assets | 54.3900% | 3,162 |
| Net loans and leases to deposits | 57.9339% | 3,466 |
| Net loans and leases to core deposits | 62.9069% | 3,335 |
| Total domestic deposits to total assets | 93.8800% | 255 |
| Equity capital to assets | 5.5730% | 4,220 |
| Core capital (leverage) ratio | 10.4314% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $419,348,000 | 1,959 |
| Average earning assets | $397,407,000 | 1,927 |
| Average equity | $30,573,000 | 2,310 |
| Average total loans | $226,966,800 | 2,072 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7044% | 2,036 |
| Cost of funding earning assets | 0.2420% | 2,792 |
| Net interest margin | 3.4625% | 1,771 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.7481% | 1,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1064% | 2,061 |
| Return on assets (ROA) | 1.1064% | 2,029 |
| Pretax return on assets | 1.1064% | 2,701 |
| Return on Equity (ROE) | 14.3000% | 1,349 |
| Retained earnings to average equity (ytd only) | 14.3041% | 430 |
| Net charge-offs to loans | -0.0921% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.2957% | 1,609 |
| Assets per employee ($millions) | 5.7028% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,788 |
| Loan loss allowance to noncurrent loans | 7,743.9024% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,889 |
| Noncurrent loans to loans | 0.0175% | 3,798 |
| Net loans and leases to total assets | 55.5800% | 2,946 |
| Net loans and leases to deposits | 59.5835% | 3,235 |
| Net loans and leases to core deposits | 65.0199% | 3,023 |
| Total domestic deposits to total assets | 93.2700% | 508 |
| Equity capital to assets | 5.8472% | 4,018 |
| Core capital (leverage) ratio | 10.9331% | 1,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $416,478,250 | 1,974 |
| Average earning assets | $395,084,500 | 1,946 |
| Average equity | $32,213,750 | 2,267 |
| Average total loans | $224,337,500 | 2,082 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 1,787 |
| Cost of funding earning assets | 0.2239% | 2,599 |
| Net interest margin | 3.3927% | 1,625 |
| Noninterest income to average assets | 0.5728% | 1,853 |
| Noninterest expense to average assets | 2.7258% | 1,323 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0626% | 1,929 |
| Return on assets (ROA) | 1.0626% | 1,899 |
| Pretax return on assets | 1.0626% | 2,535 |
| Return on Equity (ROE) | 12.7046% | 1,463 |
| Retained earnings to average equity (ytd only) | 12.7046% | 503 |
| Net charge-offs to loans | -0.0217% | 3,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9518% | 1,734 |
| Assets per employee ($millions) | 4.8856% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 2,058 |
| Loan loss allowance to noncurrent loans | 362.3810% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 2,329 |
| Noncurrent loans to loans | 0.3664% | 2,053 |
| Net loans and leases to total assets | 53.8470% | 2,978 |
| Net loans and leases to deposits | 58.1410% | 3,214 |
| Net loans and leases to core deposits | 62.8452% | 3,046 |
| Total domestic deposits to total assets | 92.6145% | 613 |
| Equity capital to assets | 6.6206% | 3,965 |
| Core capital (leverage) ratio | 10.7530% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $416,536,000 | 1,989 |
| Average earning assets | $394,784,000 | 1,962 |
| Average equity | $34,837,667 | 2,204 |
| Average total loans | $220,936,667 | 2,103 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 1,732 |
| Cost of funding earning assets | 0.2265% | 2,448 |
| Net interest margin | 3.2956% | 1,573 |
| Noninterest income to average assets | 0.5305% | 1,994 |
| Noninterest expense to average assets | 2.7189% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9404% | 2,109 |
| Return on assets (ROA) | 0.9404% | 2,102 |
| Pretax return on assets | 0.9404% | 2,631 |
| Return on Equity (ROE) | 10.1700% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.1700% | 982 |
| Net charge-offs to loans | -0.0074% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3015% | 1,710 |
| Assets per employee ($millions) | 4.9902% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 2,067 |
| Loan loss allowance to noncurrent loans | 356.3015% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 2,417 |
| Noncurrent loans to loans | 0.3820% | 2,117 |
| Net loans and leases to total assets | 52.2963% | 2,958 |
| Net loans and leases to deposits | 57.3234% | 3,146 |
| Net loans and leases to core deposits | 62.3711% | 2,938 |
| Total domestic deposits to total assets | 91.2302% | 921 |
| Equity capital to assets | 8.1448% | 3,452 |
| Core capital (leverage) ratio | 10.3889% | 1,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $414,723,500 | 1,997 |
| Average earning assets | $393,739,500 | 1,977 |
| Average equity | $38,348,000 | 2,116 |
| Average total loans | $216,761,000 | 2,121 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0958% | 1,167 |
| Cost of funding earning assets | 0.2726% | 2,679 |
| Net interest margin | 3.8231% | 959 |
| Noninterest income to average assets | 0.5770% | 2,251 |
| Noninterest expense to average assets | 2.6835% | 1,677 |
| Loan and lease loss provision to assets | -0.3253% | 4,785 |
| Net operating income to assets | 1.8115% | 496 |
| Return on assets (ROA) | 1.8841% | 449 |
| Pretax return on assets | 1.8841% | 748 |
| Return on Equity (ROE) | 17.4194% | 529 |
| Retained earnings to average equity (ytd only) | 8.2295% | 1,449 |
| Net charge-offs to loans | -0.3793% | 4,767 |
| Credit loss provision to net charge-offs | 164.6541% | 1,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3564% | 2,504 |
| Assets per employee ($millions) | 4.7706% | 3,913 |
| Cash dividends to net income (ytd only)* | 52.7565% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,805 |
| Loan loss allowance to noncurrent loans | 371.9212% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 2,574 |
| Noncurrent loans to loans | 0.3843% | 2,213 |
| Net loans and leases to total assets | 50.7624% | 3,194 |
| Net loans and leases to deposits | 56.9861% | 3,341 |
| Net loans and leases to core deposits | 62.0388% | 3,159 |
| Total domestic deposits to total assets | 89.0787% | 1,470 |
| Equity capital to assets | 10.3724% | 2,301 |
| Core capital (leverage) ratio | 10.4202% | 1,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,427,000 | 1,980 |
| Average earning assets | $378,170,000 | 1,976 |
| Average equity | $43,526,200 | 1,963 |
| Average total loans | $209,617,000 | 2,176 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 943 |
| Cost of funding earning assets | 0.2821% | 2,774 |
| Net interest margin | 4.0229% | 761 |
| Noninterest income to average assets | 0.5670% | 2,349 |
| Noninterest expense to average assets | 2.6975% | 1,594 |
| Loan and lease loss provision to assets | -0.4557% | 4,873 |
| Net operating income to assets | 2.0955% | 398 |
| Return on assets (ROA) | 2.1927% | 346 |
| Pretax return on assets | 2.1927% | 551 |
| Return on Equity (ROE) | 20.0624% | 423 |
| Retained earnings to average equity (ytd only) | 20.0624% | 129 |
| Net charge-offs to loans | -0.4500% | 4,832 |
| Credit loss provision to net charge-offs | 193.9093% | 1,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1939% | 2,659 |
| Assets per employee ($millions) | 4.8128% | 3,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 1,973 |
| Loan loss allowance to noncurrent loans | 11,962.5000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 4,217 |
| Noncurrent loans to loans | 0.0118% | 4,117 |
| Net loans and leases to total assets | 48.9882% | 3,529 |
| Net loans and leases to deposits | 55.9647% | 3,581 |
| Net loans and leases to core deposits | 61.1359% | 3,391 |
| Total domestic deposits to total assets | 87.5342% | 2,092 |
| Equity capital to assets | 11.6311% | 1,587 |
| Core capital (leverage) ratio | 11.0277% | 1,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $400,466,250 | 2,004 |
| Average earning assets | $375,305,000 | 2,006 |
| Average equity | $43,769,000 | 1,979 |
| Average total loans | $209,200,500 | 2,206 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 538 |
| Cost of funding earning assets | 0.2902% | 2,874 |
| Net interest margin | 4.3994% | 415 |
| Noninterest income to average assets | 0.5584% | 2,379 |
| Noninterest expense to average assets | 2.7274% | 1,517 |
| Loan and lease loss provision to assets | 0.7701% | 53 |
| Net operating income to assets | 1.1715% | 2,293 |
| Return on assets (ROA) | 1.2354% | 2,129 |
| Pretax return on assets | 1.2354% | 2,816 |
| Return on Equity (ROE) | 11.5581% | 2,214 |
| Retained earnings to average equity (ytd only) | 11.5581% | 1,003 |
| Net charge-offs to loans | 2.2853% | 29 |
| Credit loss provision to net charge-offs | 63.4480% | 1,544 |
| Earnings coverage of net charge-offs (x) | 1.5997% | 2,162 |
| Efficiency ratio | 58.4141% | 3,229 |
| Assets per employee ($millions) | 5.0811% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,520 |
| Loan loss allowance to noncurrent loans | 603.8724% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1054% | 3,521 |
| Noncurrent loans to loans | 0.2125% | 3,200 |
| Net loans and leases to total assets | 48.9378% | 3,651 |
| Net loans and leases to deposits | 55.0220% | 3,795 |
| Net loans and leases to core deposits | 59.9524% | 3,621 |
| Total domestic deposits to total assets | 88.9424% | 1,307 |
| Equity capital to assets | 10.3405% | 2,548 |
| Core capital (leverage) ratio | 10.1295% | 2,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $397,593,000 | 2,011 |
| Average earning assets | $371,509,000 | 2,012 |
| Average equity | $42,498,333 | 2,015 |
| Average total loans | $211,175,667 | 2,201 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 522 |
| Cost of funding earning assets | 0.2988% | 3,005 |
| Net interest margin | 4.4573% | 385 |
| Noninterest income to average assets | 0.5628% | 2,361 |
| Noninterest expense to average assets | 2.7779% | 1,412 |
| Loan and lease loss provision to assets | 0.3350% | 254 |
| Net operating income to assets | 1.6327% | 1,056 |
| Return on assets (ROA) | 1.6688% | 1,042 |
| Pretax return on assets | 1.6688% | 1,560 |
| Return on Equity (ROE) | 15.3440% | 1,146 |
| Retained earnings to average equity (ytd only) | 15.3440% | 591 |
| Net charge-offs to loans | -0.0169% | 3,908 |
| Credit loss provision to net charge-offs | -3,611.1111% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5361% | 3,229 |
| Assets per employee ($millions) | 4.8459% | 3,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 878 |
| Loan loss allowance to noncurrent loans | 122.6840% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7995% | 1,119 |
| Noncurrent loans to loans | 1.4639% | 859 |
| Net loans and leases to total assets | 53.2115% | 3,320 |
| Net loans and leases to deposits | 59.8894% | 3,497 |
| Net loans and leases to core deposits | 64.5594% | 3,364 |
| Total domestic deposits to total assets | 88.8496% | 1,414 |
| Equity capital to assets | 10.5160% | 2,259 |
| Core capital (leverage) ratio | 10.4717% | 2,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,063,000 | 2,036 |
| Average earning assets | $364,170,000 | 2,027 |
| Average equity | $42,205,500 | 2,017 |
| Average total loans | $213,487,500 | 2,193 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 1,297 |
| Cost of funding earning assets | 0.4726% | 3,132 |
| Net interest margin | 4.0344% | 910 |
| Noninterest income to average assets | 0.5644% | 2,354 |
| Noninterest expense to average assets | 2.9774% | 1,485 |
| Loan and lease loss provision to assets | 0.7278% | 201 |
| Net operating income to assets | 0.6517% | 3,588 |
| Return on assets (ROA) | 0.6629% | 3,674 |
| Pretax return on assets | 0.6629% | 3,957 |
| Return on Equity (ROE) | 5.7429% | 3,663 |
| Retained earnings to average equity (ytd only) | 5.7429% | 1,933 |
| Net charge-offs to loans | 0.8437% | 169 |
| Credit loss provision to net charge-offs | 139.1118% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.6367% | 3,147 |
| Efficiency ratio | 68.3372% | 2,193 |
| Assets per employee ($millions) | 4.5634% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 1,108 |
| Loan loss allowance to noncurrent loans | 97.8676% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 1,005 |
| Noncurrent loans to loans | 1.7060% | 743 |
| Net loans and leases to total assets | 54.9502% | 3,394 |
| Net loans and leases to deposits | 62.3146% | 3,581 |
| Net loans and leases to core deposits | 67.2584% | 3,459 |
| Total domestic deposits to total assets | 88.1819% | 1,385 |
| Equity capital to assets | 11.2536% | 2,054 |
| Core capital (leverage) ratio | 10.3550% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,223,400 | 2,014 |
| Average earning assets | $335,809,400 | 2,000 |
| Average equity | $41,233,600 | 1,982 |
| Average total loans | $221,515,800 | 2,096 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 1,146 |
| Cost of funding earning assets | 0.5121% | 3,152 |
| Net interest margin | 4.1524% | 804 |
| Noninterest income to average assets | 0.5658% | 2,323 |
| Noninterest expense to average assets | 3.0134% | 1,416 |
| Loan and lease loss provision to assets | 0.2274% | 1,784 |
| Net operating income to assets | 1.2339% | 1,538 |
| Return on assets (ROA) | 1.2490% | 1,600 |
| Pretax return on assets | 1.2490% | 2,228 |
| Return on Equity (ROE) | 10.7483% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.7483% | 619 |
| Net charge-offs to loans | 0.1589% | 930 |
| Credit loss provision to net charge-offs | 224.7191% | 2,017 |
| Earnings coverage of net charge-offs (x) | 14.4419% | 2,156 |
| Efficiency ratio | 67.3442% | 2,276 |
| Assets per employee ($millions) | 4.4856% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 1,715 |
| Loan loss allowance to noncurrent loans | 585.0746% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 3,664 |
| Noncurrent loans to loans | 0.2402% | 3,447 |
| Net loans and leases to total assets | 59.0973% | 3,314 |
| Net loans and leases to deposits | 67.6025% | 3,497 |
| Net loans and leases to core deposits | 72.2997% | 3,449 |
| Total domestic deposits to total assets | 87.4188% | 1,484 |
| Equity capital to assets | 11.6867% | 1,885 |
| Core capital (leverage) ratio | 10.7345% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,839,500 | 2,024 |
| Average earning assets | $331,202,250 | 2,000 |
| Average equity | $40,886,000 | 1,978 |
| Average total loans | $223,979,000 | 2,077 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 1,107 |
| Cost of funding earning assets | 0.5584% | 3,191 |
| Net interest margin | 4.2661% | 804 |
| Noninterest income to average assets | 0.5698% | 2,255 |
| Noninterest expense to average assets | 3.0688% | 1,425 |
| Loan and lease loss provision to assets | 0.3478% | 1,214 |
| Net operating income to assets | 1.1744% | 1,712 |
| Return on assets (ROA) | 1.1814% | 1,826 |
| Pretax return on assets | 1.1814% | 2,423 |
| Return on Equity (ROE) | 10.1871% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.1871% | 757 |
| Net charge-offs to loans | 0.0196% | 2,336 |
| Credit loss provision to net charge-offs | 2,727.2727% | 382 |
| Earnings coverage of net charge-offs (x) | 119.3636% | 625 |
| Efficiency ratio | 66.8434% | 2,399 |
| Assets per employee ($millions) | 4.4082% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 1,285 |
| Loan loss allowance to noncurrent loans | 365.8009% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 3,316 |
| Noncurrent loans to loans | 0.4083% | 2,943 |
| Net loans and leases to total assets | 58.1268% | 3,500 |
| Net loans and leases to deposits | 65.8640% | 3,735 |
| Net loans and leases to core deposits | 70.3077% | 3,680 |
| Total domestic deposits to total assets | 88.2528% | 1,060 |
| Equity capital to assets | 10.9902% | 2,349 |
| Core capital (leverage) ratio | 10.6617% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $345,018,333 | 2,026 |
| Average earning assets | $325,213,333 | 1,998 |
| Average equity | $40,011,333 | 1,999 |
| Average total loans | $224,253,000 | 2,052 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9730% | 1,018 |
| Cost of funding earning assets | 0.6415% | 3,214 |
| Net interest margin | 4.3314% | 716 |
| Noninterest income to average assets | 0.6446% | 1,848 |
| Noninterest expense to average assets | 3.2747% | 1,273 |
| Loan and lease loss provision to assets | 0.2456% | 1,266 |
| Net operating income to assets | 1.1947% | 1,532 |
| Return on assets (ROA) | 1.2094% | 1,599 |
| Pretax return on assets | 1.2094% | 2,161 |
| Return on Equity (ROE) | 10.1175% | 1,704 |
| Retained earnings to average equity (ytd only) | 10.1175% | 726 |
| Net charge-offs to loans | 0.0054% | 2,380 |
| Credit loss provision to net charge-offs | 6,666.6667% | 116 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 176 |
| Efficiency ratio | 69.4531% | 2,438 |
| Assets per employee ($millions) | 3.9040% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 1,971 |
| Loan loss allowance to noncurrent loans | 465.1163% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2016% | 3,676 |
| Noncurrent loans to loans | 0.2875% | 3,465 |
| Net loans and leases to total assets | 65.9374% | 2,824 |
| Net loans and leases to deposits | 75.5910% | 3,109 |
| Net loans and leases to core deposits | 81.6552% | 3,043 |
| Total domestic deposits to total assets | 87.2293% | 1,454 |
| Equity capital to assets | 12.0494% | 2,032 |
| Core capital (leverage) ratio | 11.5627% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $325,771,000 | 2,062 |
| Average earning assets | $306,134,500 | 2,045 |
| Average equity | $38,942,500 | 2,027 |
| Average total loans | $223,227,500 | 2,032 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 1,120 |
| Cost of funding earning assets | 0.6247% | 3,535 |
| Net interest margin | 4.5202% | 693 |
| Noninterest income to average assets | 0.7210% | 1,741 |
| Noninterest expense to average assets | 3.3288% | 1,242 |
| Loan and lease loss provision to assets | 0.1597% | 1,312 |
| Net operating income to assets | 1.4650% | 1,143 |
| Return on assets (ROA) | 1.4733% | 1,181 |
| Pretax return on assets | 1.4733% | 1,891 |
| Return on Equity (ROE) | 12.2020% | 1,434 |
| Retained earnings to average equity (ytd only) | 1.6238% | 4,153 |
| Net charge-offs to loans | 0.0055% | 3,482 |
| Credit loss provision to net charge-offs | 4,166.6667% | 101 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 219 |
| Efficiency ratio | 67.2017% | 2,581 |
| Assets per employee ($millions) | 3.6721% | 4,291 |
| Cash dividends to net income (ytd only)* | 86.6927% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,106 |
| Loan loss allowance to noncurrent loans | 403.3094% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2302% | 3,520 |
| Noncurrent loans to loans | 0.3130% | 3,318 |
| Net loans and leases to total assets | 69.4339% | 2,490 |
| Net loans and leases to deposits | 79.3267% | 2,863 |
| Net loans and leases to core deposits | 85.3803% | 2,838 |
| Total domestic deposits to total assets | 87.5291% | 1,355 |
| Equity capital to assets | 11.8525% | 2,235 |
| Core capital (leverage) ratio | 11.6259% | 2,016 |
| Tier 1 risk-based capital ratio | 15.7049% | 2,500 |
| Total risk-based capital ratio | 16.9007% | 2,464 |
| Memoranda: | ||
| Average total assets | $313,180,000 | 2,086 |
| Average earning assets | $293,241,000 | 2,070 |
| Average equity | $37,813,400 | 2,015 |
| Average total loans | $219,609,400 | 2,033 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 1,243 |
| Cost of funding earning assets | 0.6081% | 3,656 |
| Net interest margin | 4.5126% | 749 |
| Noninterest income to average assets | 0.7172% | 1,717 |
| Noninterest expense to average assets | 3.3102% | 1,247 |
| Loan and lease loss provision to assets | 0.2133% | 810 |
| Net operating income to assets | 1.4198% | 1,410 |
| Return on assets (ROA) | 1.4283% | 1,443 |
| Pretax return on assets | 1.4283% | 2,195 |
| Return on Equity (ROE) | 11.7752% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.7752% | 411 |
| Net charge-offs to loans | 0.0097% | 3,025 |
| Credit loss provision to net charge-offs | 3,125.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 239.2813% | 384 |
| Efficiency ratio | 66.9630% | 2,595 |
| Assets per employee ($millions) | 3.6198% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,269 |
| Loan loss allowance to noncurrent loans | 401.0029% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 3,647 |
| Noncurrent loans to loans | 0.3102% | 3,415 |
| Net loans and leases to total assets | 70.5721% | 2,392 |
| Net loans and leases to deposits | 81.7456% | 2,717 |
| Net loans and leases to core deposits | 88.2233% | 2,709 |
| Total domestic deposits to total assets | 86.3314% | 1,855 |
| Equity capital to assets | 12.7550% | 1,752 |
| Core capital (leverage) ratio | 12.5810% | 1,535 |
| Tier 1 risk-based capital ratio | 17.1342% | 2,042 |
| Total risk-based capital ratio | 18.3470% | 2,011 |
| Memoranda: | ||
| Average total assets | $312,525,500 | 2,098 |
| Average earning assets | $292,687,250 | 2,083 |
| Average equity | $37,909,250 | 2,028 |
| Average total loans | $218,993,250 | 2,048 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 1,304 |
| Cost of funding earning assets | 0.5812% | 3,747 |
| Net interest margin | 4.4874% | 788 |
| Noninterest income to average assets | 0.7019% | 1,703 |
| Noninterest expense to average assets | 3.3292% | 1,232 |
| Loan and lease loss provision to assets | 0.0642% | 2,531 |
| Net operating income to assets | 1.5141% | 1,112 |
| Return on assets (ROA) | 1.5270% | 1,121 |
| Pretax return on assets | 1.5270% | 1,766 |
| Return on Equity (ROE) | 12.8107% | 1,303 |
| Retained earnings to average equity (ytd only) | 12.8107% | 321 |
| Net charge-offs to loans | 0.0111% | 2,739 |
| Credit loss provision to net charge-offs | 833.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 385 |
| Efficiency ratio | 67.8389% | 2,562 |
| Assets per employee ($millions) | 3.5928% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 3,212 |
| Loan loss allowance to noncurrent loans | 2,019.3277% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 4,526 |
| Noncurrent loans to loans | 0.0533% | 4,445 |
| Net loans and leases to total assets | 69.9023% | 2,544 |
| Net loans and leases to deposits | 80.5830% | 2,892 |
| Net loans and leases to core deposits | 86.8076% | 2,897 |
| Total domestic deposits to total assets | 86.7458% | 1,708 |
| Equity capital to assets | 12.4116% | 1,907 |
| Core capital (leverage) ratio | 12.2280% | 1,683 |
| Tier 1 risk-based capital ratio | 16.7985% | 2,142 |
| Total risk-based capital ratio | 17.8448% | 2,153 |
| Memoranda: | ||
| Average total assets | $311,727,670 | 2,105 |
| Average earning assets | $292,154,330 | 2,087 |
| Average equity | $37,156,330 | 2,053 |
| Average total loans | $216,976,330 | 2,065 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 1,452 |
| Cost of funding earning assets | 0.5541% | 3,807 |
| Net interest margin | 4.4038% | 896 |
| Noninterest income to average assets | 0.6694% | 1,727 |
| Noninterest expense to average assets | 3.2787% | 1,330 |
| Loan and lease loss provision to assets | 0.1292% | 1,353 |
| Net operating income to assets | 1.4009% | 1,378 |
| Return on assets (ROA) | 1.4009% | 1,409 |
| Pretax return on assets | 1.4009% | 2,080 |
| Return on Equity (ROE) | 12.0064% | 1,527 |
| Retained earnings to average equity (ytd only) | 12.0064% | 606 |
| Net charge-offs to loans | 0.0580% | 1,461 |
| Credit loss provision to net charge-offs | 322.5806% | 787 |
| Earnings coverage of net charge-offs (x) | 38.1935% | 1,181 |
| Efficiency ratio | 68.1806% | 2,618 |
| Assets per employee ($millions) | 3.6567% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 3,128 |
| Loan loss allowance to noncurrent loans | 1,331.2849% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 4,534 |
| Noncurrent loans to loans | 0.0826% | 4,387 |
| Net loans and leases to total assets | 68.1262% | 2,745 |
| Net loans and leases to deposits | 77.8426% | 3,075 |
| Net loans and leases to core deposits | 84.0787% | 3,022 |
| Total domestic deposits to total assets | 87.5179% | 1,565 |
| Equity capital to assets | 11.7698% | 2,176 |
| Core capital (leverage) ratio | 11.9787% | 1,789 |
| Tier 1 risk-based capital ratio | 16.6141% | 2,224 |
| Total risk-based capital ratio | 17.6760% | 2,238 |
| Memoranda: | ||
| Average total assets | $309,509,500 | 2,125 |
| Average earning assets | $290,933,000 | 2,106 |
| Average equity | $36,114,000 | 2,092 |
| Average total loans | $213,760,000 | 2,105 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 1,575 |
| Cost of funding earning assets | 0.3824% | 4,091 |
| Net interest margin | 4.4043% | 927 |
| Noninterest income to average assets | 0.7139% | 1,791 |
| Noninterest expense to average assets | 3.2363% | 1,462 |
| Loan and lease loss provision to assets | 0.1037% | 2,121 |
| Net operating income to assets | 1.4959% | 1,131 |
| Return on assets (ROA) | 1.4933% | 1,123 |
| Pretax return on assets | 1.4933% | 1,800 |
| Return on Equity (ROE) | 12.8245% | 1,407 |
| Retained earnings to average equity (ytd only) | 1.6873% | 4,470 |
| Net charge-offs to loans | 0.0967% | 1,794 |
| Credit loss provision to net charge-offs | 164.1026% | 1,696 |
| Earnings coverage of net charge-offs (x) | 25.3026% | 1,777 |
| Efficiency ratio | 66.9214% | 2,726 |
| Assets per employee ($millions) | 3.5412% | 4,501 |
| Cash dividends to net income (ytd only)* | 86.8432% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,111 |
| Loan loss allowance to noncurrent loans | 1,112.9808% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 4,492 |
| Noncurrent loans to loans | 0.0986% | 4,294 |
| Net loans and leases to total assets | 68.4899% | 2,807 |
| Net loans and leases to deposits | 77.9787% | 3,168 |
| Net loans and leases to core deposits | 83.6064% | 3,128 |
| Total domestic deposits to total assets | 87.8316% | 1,381 |
| Equity capital to assets | 11.5632% | 2,207 |
| Core capital (leverage) ratio | 11.8355% | 1,844 |
| Tier 1 risk-based capital ratio | 16.8005% | 2,135 |
| Total risk-based capital ratio | 17.8749% | 2,139 |
| Memoranda: | ||
| Average total assets | $308,435,400 | 2,099 |
| Average earning assets | $288,673,200 | 2,080 |
| Average equity | $35,915,600 | 2,036 |
| Average total loans | $201,603,200 | 2,165 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 1,614 |
| Cost of funding earning assets | 0.3505% | 4,178 |
| Net interest margin | 4.3711% | 961 |
| Noninterest income to average assets | 0.7136% | 1,820 |
| Noninterest expense to average assets | 3.2638% | 1,388 |
| Loan and lease loss provision to assets | 0.0431% | 3,129 |
| Net operating income to assets | 1.4914% | 1,216 |
| Return on assets (ROA) | 1.4914% | 1,212 |
| Pretax return on assets | 1.4914% | 1,928 |
| Return on Equity (ROE) | 12.7860% | 1,508 |
| Retained earnings to average equity (ytd only) | 12.7860% | 384 |
| Net charge-offs to loans | 0.1204% | 1,307 |
| Credit loss provision to net charge-offs | 55.5556% | 2,787 |
| Earnings coverage of net charge-offs (x) | 19.7837% | 1,983 |
| Efficiency ratio | 68.0198% | 2,535 |
| Assets per employee ($millions) | 3.6129% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,557 |
| Loan loss allowance to noncurrent loans | 894.0678% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 4,588 |
| Noncurrent loans to loans | 0.1158% | 4,370 |
| Net loans and leases to total assets | 65.6640% | 3,222 |
| Net loans and leases to deposits | 75.5624% | 3,449 |
| Net loans and leases to core deposits | 80.8288% | 3,425 |
| Total domestic deposits to total assets | 86.9004% | 1,776 |
| Equity capital to assets | 12.1677% | 1,789 |
| Core capital (leverage) ratio | 12.6444% | 1,439 |
| Tier 1 risk-based capital ratio | 18.6675% | 1,622 |
| Total risk-based capital ratio | 19.6761% | 1,644 |
| Memoranda: | ||
| Average total assets | $309,408,250 | 2,106 |
| Average earning assets | $289,133,250 | 2,094 |
| Average equity | $36,090,750 | 2,029 |
| Average total loans | $199,279,750 | 2,192 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,678 |
| Cost of funding earning assets | 0.3275% | 4,223 |
| Net interest margin | 4.3072% | 1,019 |
| Noninterest income to average assets | 0.7067% | 1,848 |
| Noninterest expense to average assets | 3.2710% | 1,386 |
| Loan and lease loss provision to assets | 0.0645% | 2,610 |
| Net operating income to assets | 1.3998% | 1,441 |
| Return on assets (ROA) | 1.3998% | 1,443 |
| Pretax return on assets | 1.3998% | 2,145 |
| Return on Equity (ROE) | 12.1743% | 1,662 |
| Retained earnings to average equity (ytd only) | 12.1743% | 493 |
| Net charge-offs to loans | 0.1133% | 1,247 |
| Credit loss provision to net charge-offs | 89.2857% | 2,163 |
| Earnings coverage of net charge-offs (x) | 20.2768% | 1,818 |
| Efficiency ratio | 69.0768% | 2,472 |
| Assets per employee ($millions) | 3.5415% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,410 |
| Loan loss allowance to noncurrent loans | 586.7925% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1190% | 4,397 |
| Noncurrent loans to loans | 0.1831% | 4,082 |
| Net loans and leases to total assets | 64.3130% | 3,365 |
| Net loans and leases to deposits | 73.4743% | 3,580 |
| Net loans and leases to core deposits | 78.4669% | 3,536 |
| Total domestic deposits to total assets | 87.5312% | 1,630 |
| Equity capital to assets | 11.6733% | 2,077 |
| Core capital (leverage) ratio | 12.1350% | 1,628 |
| Tier 1 risk-based capital ratio | 17.7376% | 1,878 |
| Total risk-based capital ratio | 18.7602% | 1,890 |
| Memoranda: | ||
| Average total assets | $310,177,670 | 2,117 |
| Average earning assets | $290,118,000 | 2,100 |
| Average equity | $35,665,330 | 2,056 |
| Average total loans | $197,785,000 | 2,207 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5391% | 1,750 |
| Cost of funding earning assets | 0.3028% | 4,332 |
| Net interest margin | 4.2363% | 1,089 |
| Noninterest income to average assets | 0.6825% | 1,899 |
| Noninterest expense to average assets | 3.3247% | 1,306 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3185% | 1,580 |
| Return on assets (ROA) | 1.3185% | 1,586 |
| Pretax return on assets | 1.3185% | 2,293 |
| Return on Equity (ROE) | 11.5555% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.5555% | 779 |
| Net charge-offs to loans | 0.1965% | 751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 10.6250% | 1,891 |
| Efficiency ratio | 71.6036% | 2,248 |
| Assets per employee ($millions) | 3.6254% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 3,569 |
| Loan loss allowance to noncurrent loans | 324.6512% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 4,056 |
| Noncurrent loans to loans | 0.3282% | 3,591 |
| Net loans and leases to total assets | 62.3519% | 3,505 |
| Net loans and leases to deposits | 70.8799% | 3,714 |
| Net loans and leases to core deposits | 75.5440% | 3,702 |
| Total domestic deposits to total assets | 87.9684% | 1,636 |
| Equity capital to assets | 11.3693% | 2,244 |
| Core capital (leverage) ratio | 11.8514% | 1,745 |
| Tier 1 risk-based capital ratio | 17.6597% | 1,929 |
| Total risk-based capital ratio | 18.6698% | 1,951 |
| Memoranda: | ||
| Average total assets | $309,441,000 | 2,145 |
| Average earning assets | $289,310,500 | 2,123 |
| Average equity | $35,308,000 | 2,084 |
| Average total loans | $195,373,000 | 2,230 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 1,571 |
| Cost of funding earning assets | 0.2602% | 4,479 |
| Net interest margin | 4.2859% | 993 |
| Noninterest income to average assets | 0.7022% | 1,955 |
| Noninterest expense to average assets | 3.2658% | 1,446 |
| Loan and lease loss provision to assets | 0.0827% | 2,550 |
| Net operating income to assets | 1.3848% | 1,049 |
| Return on assets (ROA) | 1.4292% | 966 |
| Pretax return on assets | 1.4292% | 1,888 |
| Return on Equity (ROE) | 11.9908% | 1,219 |
| Retained earnings to average equity (ytd only) | 3.6658% | 3,049 |
| Net charge-offs to loans | -0.0011% | 4,494 |
| Credit loss provision to net charge-offs | -12,500.0000% | 5,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9959% | 2,702 |
| Assets per employee ($millions) | 3.4897% | 4,711 |
| Cash dividends to net income (ytd only)* | 69.4284% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 3,201 |
| Loan loss allowance to noncurrent loans | 242.7938% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,712 |
| Noncurrent loans to loans | 0.4644% | 3,118 |
| Net loans and leases to total assets | 62.5399% | 3,550 |
| Net loans and leases to deposits | 71.0057% | 3,790 |
| Net loans and leases to core deposits | 75.5321% | 3,774 |
| Total domestic deposits to total assets | 88.0773% | 1,459 |
| Equity capital to assets | 11.4518% | 2,232 |
| Core capital (leverage) ratio | 11.6128% | 1,860 |
| Tier 1 risk-based capital ratio | 17.2505% | 2,014 |
| Total risk-based capital ratio | 18.3178% | 2,022 |
| Memoranda: | ||
| Average total assets | $302,343,400 | 2,153 |
| Average earning assets | $284,376,000 | 2,132 |
| Average equity | $36,036,000 | 2,022 |
| Average total loans | $184,596,400 | 2,281 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 1,557 |
| Cost of funding earning assets | 0.2540% | 4,530 |
| Net interest margin | 4.2762% | 982 |
| Noninterest income to average assets | 0.7008% | 1,997 |
| Noninterest expense to average assets | 3.2647% | 1,426 |
| Loan and lease loss provision to assets | 0.0443% | 3,214 |
| Net operating income to assets | 1.4167% | 1,054 |
| Return on assets (ROA) | 1.4761% | 962 |
| Pretax return on assets | 1.4761% | 1,860 |
| Return on Equity (ROE) | 12.2617% | 1,254 |
| Retained earnings to average equity (ytd only) | 12.2617% | 273 |
| Net charge-offs to loans | -0.0381% | 5,078 |
| Credit loss provision to net charge-offs | -192.3077% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0838% | 2,695 |
| Assets per employee ($millions) | 3.4640% | 4,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,509 |
| Loan loss allowance to noncurrent loans | 251.8072% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 3,972 |
| Noncurrent loans to loans | 0.4349% | 3,403 |
| Net loans and leases to total assets | 62.6306% | 3,591 |
| Net loans and leases to deposits | 72.3938% | 3,729 |
| Net loans and leases to core deposits | 77.0686% | 3,721 |
| Total domestic deposits to total assets | 86.5138% | 2,098 |
| Equity capital to assets | 12.6318% | 1,585 |
| Core capital (leverage) ratio | 12.3208% | 1,501 |
| Tier 1 risk-based capital ratio | 18.6061% | 1,704 |
| Total risk-based capital ratio | 19.6456% | 1,711 |
| Memoranda: | ||
| Average total assets | $301,155,500 | 2,180 |
| Average earning assets | $283,452,750 | 2,154 |
| Average equity | $36,253,000 | 2,020 |
| Average total loans | $182,183,750 | 2,312 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 1,509 |
| Cost of funding earning assets | 0.2458% | 4,582 |
| Net interest margin | 4.2549% | 965 |
| Noninterest income to average assets | 0.7254% | 1,886 |
| Noninterest expense to average assets | 3.2310% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4966% | 869 |
| Return on assets (ROA) | 1.4966% | 894 |
| Pretax return on assets | 1.4966% | 1,651 |
| Return on Equity (ROE) | 12.6403% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.6403% | 269 |
| Net charge-offs to loans | -0.0814% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3434% | 2,948 |
| Assets per employee ($millions) | 3.4728% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,497 |
| Loan loss allowance to noncurrent loans | 374.4879% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1757% | 4,485 |
| Noncurrent loans to loans | 0.2976% | 3,977 |
| Net loans and leases to total assets | 58.3768% | 3,987 |
| Net loans and leases to deposits | 67.0471% | 4,140 |
| Net loans and leases to core deposits | 71.1078% | 4,149 |
| Total domestic deposits to total assets | 87.0683% | 1,915 |
| Equity capital to assets | 12.2023% | 1,788 |
| Core capital (leverage) ratio | 11.8593% | 1,720 |
| Tier 1 risk-based capital ratio | 18.8621% | 1,622 |
| Total risk-based capital ratio | 19.9062% | 1,646 |
| Memoranda: | ||
| Average total assets | $301,085,000 | 2,184 |
| Average earning assets | $283,201,670 | 2,156 |
| Average equity | $35,648,000 | 2,044 |
| Average total loans | $179,299,000 | 2,347 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 1,456 |
| Cost of funding earning assets | 0.2383% | 4,652 |
| Net interest margin | 4.2274% | 931 |
| Noninterest income to average assets | 0.7081% | 1,926 |
| Noninterest expense to average assets | 3.2340% | 1,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4403% | 911 |
| Return on assets (ROA) | 1.4403% | 939 |
| Pretax return on assets | 1.4403% | 1,730 |
| Return on Equity (ROE) | 12.3584% | 1,148 |
| Retained earnings to average equity (ytd only) | 12.3584% | 439 |
| Net charge-offs to loans | 0.0224% | 2,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 107.6000% | 503 |
| Efficiency ratio | 69.1867% | 3,007 |
| Assets per employee ($millions) | 3.5408% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,804 |
| Loan loss allowance to noncurrent loans | 319.7347% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 4,454 |
| Noncurrent loans to loans | 0.3388% | 3,884 |
| Net loans and leases to total assets | 57.1519% | 4,049 |
| Net loans and leases to deposits | 65.0460% | 4,249 |
| Net loans and leases to core deposits | 68.5987% | 4,246 |
| Total domestic deposits to total assets | 87.8638% | 1,790 |
| Equity capital to assets | 11.5597% | 2,145 |
| Core capital (leverage) ratio | 11.7904% | 1,759 |
| Tier 1 risk-based capital ratio | 18.4405% | 1,756 |
| Total risk-based capital ratio | 19.4519% | 1,776 |
| Memoranda: | ||
| Average total assets | $298,824,500 | 2,214 |
| Average earning assets | $280,363,500 | 2,188 |
| Average equity | $34,826,500 | 2,091 |
| Average total loans | $178,741,500 | 2,373 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 1,634 |
| Cost of funding earning assets | 0.2251% | 4,783 |
| Net interest margin | 4.2445% | 1,025 |
| Noninterest income to average assets | 0.7132% | 2,109 |
| Noninterest expense to average assets | 3.3037% | 1,564 |
| Loan and lease loss provision to assets | 0.1029% | 2,326 |
| Net operating income to assets | 1.2971% | 1,220 |
| Return on assets (ROA) | 1.3098% | 1,253 |
| Pretax return on assets | 1.3098% | 2,246 |
| Return on Equity (ROE) | 10.8688% | 1,631 |
| Retained earnings to average equity (ytd only) | 5.1753% | 2,217 |
| Net charge-offs to loans | 0.1008% | 2,271 |
| Credit loss provision to net charge-offs | 173.4104% | 1,604 |
| Earnings coverage of net charge-offs (x) | 23.5896% | 1,670 |
| Efficiency ratio | 70.2356% | 2,864 |
| Assets per employee ($millions) | 3.2539% | 5,092 |
| Cash dividends to net income (ytd only)* | 52.3834% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 3,828 |
| Loan loss allowance to noncurrent loans | 182.4859% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 3,554 |
| Noncurrent loans to loans | 0.5917% | 3,077 |
| Net loans and leases to total assets | 61.3127% | 3,685 |
| Net loans and leases to deposits | 69.8647% | 3,919 |
| Net loans and leases to core deposits | 73.9401% | 3,931 |
| Total domestic deposits to total assets | 87.7592% | 1,764 |
| Equity capital to assets | 11.7553% | 1,965 |
| Core capital (leverage) ratio | 11.8038% | 1,722 |
| Tier 1 risk-based capital ratio | 17.8715% | 1,886 |
| Total risk-based capital ratio | 18.8889% | 1,930 |
| Memoranda: | ||
| Average total assets | $291,492,600 | 2,218 |
| Average earning assets | $274,051,200 | 2,184 |
| Average equity | $35,128,200 | 2,066 |
| Average total loans | $171,606,400 | 2,397 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4343% | 1,745 |
| Cost of funding earning assets | 0.2211% | 4,874 |
| Net interest margin | 4.2132% | 1,094 |
| Noninterest income to average assets | 0.7412% | 2,004 |
| Noninterest expense to average assets | 3.3537% | 1,445 |
| Loan and lease loss provision to assets | 0.1142% | 2,026 |
| Net operating income to assets | 1.2412% | 1,487 |
| Return on assets (ROA) | 1.2581% | 1,528 |
| Pretax return on assets | 1.2581% | 2,585 |
| Return on Equity (ROE) | 10.3765% | 1,906 |
| Retained earnings to average equity (ytd only) | 10.3765% | 503 |
| Net charge-offs to loans | 0.1171% | 1,781 |
| Credit loss provision to net charge-offs | 167.7852% | 1,648 |
| Earnings coverage of net charge-offs (x) | 19.9196% | 1,905 |
| Efficiency ratio | 71.2180% | 2,696 |
| Assets per employee ($millions) | 3.2568% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,912 |
| Loan loss allowance to noncurrent loans | 191.3914% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 3,697 |
| Noncurrent loans to loans | 0.5674% | 3,301 |
| Net loans and leases to total assets | 60.0851% | 3,865 |
| Net loans and leases to deposits | 69.6237% | 4,017 |
| Net loans and leases to core deposits | 73.9870% | 4,003 |
| Total domestic deposits to total assets | 86.2999% | 2,219 |
| Equity capital to assets | 12.8569% | 1,567 |
| Core capital (leverage) ratio | 12.0163% | 1,668 |
| Tier 1 risk-based capital ratio | 18.5624% | 1,776 |
| Total risk-based capital ratio | 19.5761% | 1,795 |
| Memoranda: | ||
| Average total assets | $291,966,750 | 2,223 |
| Average earning assets | $274,972,250 | 2,189 |
| Average equity | $35,399,500 | 2,070 |
| Average total loans | $169,633,750 | 2,423 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 1,942 |
| Cost of funding earning assets | 0.2163% | 4,978 |
| Net interest margin | 4.1452% | 1,246 |
| Noninterest income to average assets | 0.7524% | 1,923 |
| Noninterest expense to average assets | 3.3368% | 1,514 |
| Loan and lease loss provision to assets | 0.1025% | 2,137 |
| Net operating income to assets | 1.2280% | 1,508 |
| Return on assets (ROA) | 1.2396% | 1,567 |
| Pretax return on assets | 1.2396% | 2,636 |
| Return on Equity (ROE) | 10.4321% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.4321% | 518 |
| Net charge-offs to loans | 0.1397% | 1,487 |
| Credit loss provision to net charge-offs | 128.2051% | 1,781 |
| Earnings coverage of net charge-offs (x) | 16.6410% | 1,920 |
| Efficiency ratio | 71.4934% | 2,746 |
| Assets per employee ($millions) | 3.1943% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 4,148 |
| Loan loss allowance to noncurrent loans | 160.6272% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 3,626 |
| Noncurrent loans to loans | 0.6621% | 3,087 |
| Net loans and leases to total assets | 58.3726% | 4,081 |
| Net loans and leases to deposits | 67.1238% | 4,257 |
| Net loans and leases to core deposits | 71.2045% | 4,237 |
| Total domestic deposits to total assets | 86.9625% | 1,935 |
| Equity capital to assets | 12.3426% | 1,876 |
| Core capital (leverage) ratio | 11.5341% | 1,965 |
| Tier 1 risk-based capital ratio | 18.0353% | 1,922 |
| Total risk-based capital ratio | 19.0114% | 1,956 |
| Memoranda: | ||
| Average total assets | $292,671,670 | 2,228 |
| Average earning assets | $276,413,670 | 2,190 |
| Average equity | $34,777,330 | 2,101 |
| Average total loans | $167,488,330 | 2,442 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 2,224 |
| Cost of funding earning assets | 0.2130% | 5,077 |
| Net interest margin | 4.0619% | 1,444 |
| Noninterest income to average assets | 0.7491% | 1,822 |
| Noninterest expense to average assets | 3.2883% | 1,637 |
| Loan and lease loss provision to assets | 0.0685% | 2,584 |
| Net operating income to assets | 1.2312% | 1,447 |
| Return on assets (ROA) | 1.2312% | 1,557 |
| Pretax return on assets | 1.2312% | 2,577 |
| Return on Equity (ROE) | 10.5671% | 1,760 |
| Retained earnings to average equity (ytd only) | 10.5671% | 726 |
| Net charge-offs to loans | 0.1264% | 1,343 |
| Credit loss provision to net charge-offs | 96.1538% | 1,708 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,547 |
| Efficiency ratio | 71.6716% | 2,846 |
| Assets per employee ($millions) | 3.4866% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 4,205 |
| Loan loss allowance to noncurrent loans | 143.5714% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 3,893 |
| Noncurrent loans to loans | 0.7477% | 2,967 |
| Net loans and leases to total assets | 56.2506% | 4,226 |
| Net loans and leases to deposits | 64.1823% | 4,432 |
| Net loans and leases to core deposits | 67.5397% | 4,432 |
| Total domestic deposits to total assets | 87.6419% | 1,838 |
| Equity capital to assets | 11.7963% | 2,159 |
| Core capital (leverage) ratio | 11.3185% | 2,126 |
| Tier 1 risk-based capital ratio | 17.8487% | 2,027 |
| Total risk-based capital ratio | 18.8226% | 2,072 |
| Memoranda: | ||
| Average total assets | $292,069,500 | 2,236 |
| Average earning assets | $276,028,500 | 2,206 |
| Average equity | $34,030,000 | 2,142 |
| Average total loans | $164,539,000 | 2,470 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3466% | 2,071 |
| Cost of funding earning assets | 0.2176% | 5,117 |
| Net interest margin | 4.1290% | 1,339 |
| Noninterest income to average assets | 0.7593% | 1,939 |
| Noninterest expense to average assets | 3.2180% | 1,922 |
| Loan and lease loss provision to assets | 0.0088% | 4,225 |
| Net operating income to assets | 1.4048% | 1,033 |
| Return on assets (ROA) | 1.4090% | 1,064 |
| Pretax return on assets | 1.4090% | 1,862 |
| Return on Equity (ROE) | 11.8548% | 1,339 |
| Retained earnings to average equity (ytd only) | 3.2858% | 3,709 |
| Net charge-offs to loans | -0.0802% | 5,714 |
| Credit loss provision to net charge-offs | -20.4918% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4798% | 3,306 |
| Assets per employee ($millions) | 3.5528% | 4,718 |
| Cash dividends to net income (ytd only)* | 72.2832% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 3,881 |
| Loan loss allowance to noncurrent loans | 170.5273% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 4,117 |
| Noncurrent loans to loans | 0.6614% | 3,206 |
| Net loans and leases to total assets | 55.1652% | 4,369 |
| Net loans and leases to deposits | 62.6494% | 4,584 |
| Net loans and leases to core deposits | 65.8409% | 4,608 |
| Total domestic deposits to total assets | 88.0538% | 1,601 |
| Equity capital to assets | 11.5021% | 2,358 |
| Core capital (leverage) ratio | 11.2194% | 2,191 |
| Tier 1 risk-based capital ratio | 17.9858% | 1,970 |
| Total risk-based capital ratio | 18.9956% | 1,992 |
| Memoranda: | ||
| Average total assets | $284,746,200 | 2,236 |
| Average earning assets | $267,036,600 | 2,221 |
| Average equity | $33,842,800 | 2,103 |
| Average total loans | $152,154,800 | 2,568 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3302% | 2,138 |
| Cost of funding earning assets | 0.2182% | 5,203 |
| Net interest margin | 4.1120% | 1,382 |
| Noninterest income to average assets | 0.7526% | 2,011 |
| Noninterest expense to average assets | 3.1784% | 2,026 |
| Loan and lease loss provision to assets | 0.0117% | 4,040 |
| Net operating income to assets | 1.4108% | 1,086 |
| Return on assets (ROA) | 1.4155% | 1,119 |
| Pretax return on assets | 1.4155% | 1,947 |
| Return on Equity (ROE) | 11.8133% | 1,427 |
| Retained earnings to average equity (ytd only) | 11.8133% | 389 |
| Net charge-offs to loans | -0.1200% | 5,852 |
| Credit loss provision to net charge-offs | -18.5185% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0816% | 3,360 |
| Assets per employee ($millions) | 3.4212% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 3,805 |
| Loan loss allowance to noncurrent loans | 165.8182% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 4,230 |
| Noncurrent loans to loans | 0.7066% | 3,213 |
| Net loans and leases to total assets | 53.5388% | 4,613 |
| Net loans and leases to deposits | 61.6889% | 4,740 |
| Net loans and leases to core deposits | 64.8498% | 4,769 |
| Total domestic deposits to total assets | 86.7884% | 2,146 |
| Equity capital to assets | 12.4694% | 1,760 |
| Core capital (leverage) ratio | 11.9563% | 1,695 |
| Tier 1 risk-based capital ratio | 19.6460% | 1,637 |
| Total risk-based capital ratio | 20.6950% | 1,646 |
| Memoranda: | ||
| Average total assets | $283,989,250 | 2,259 |
| Average earning assets | $265,786,250 | 2,246 |
| Average equity | $34,028,500 | 2,103 |
| Average total loans | $150,053,000 | 2,607 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 2,286 |
| Cost of funding earning assets | 0.2166% | 5,288 |
| Net interest margin | 4.0528% | 1,489 |
| Noninterest income to average assets | 0.7516% | 1,984 |
| Noninterest expense to average assets | 3.1684% | 2,070 |
| Loan and lease loss provision to assets | 0.0177% | 3,777 |
| Net operating income to assets | 1.3618% | 1,161 |
| Return on assets (ROA) | 1.3689% | 1,195 |
| Pretax return on assets | 1.3689% | 2,114 |
| Return on Equity (ROE) | 11.5837% | 1,504 |
| Retained earnings to average equity (ytd only) | 11.5837% | 438 |
| Net charge-offs to loans | 0.0526% | 2,667 |
| Credit loss provision to net charge-offs | 64.1026% | 2,551 |
| Earnings coverage of net charge-offs (x) | 50.0256% | 957 |
| Efficiency ratio | 69.6673% | 3,394 |
| Assets per employee ($millions) | 3.2461% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 4,393 |
| Loan loss allowance to noncurrent loans | 113.0912% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 3,742 |
| Noncurrent loans to loans | 0.9616% | 2,728 |
| Net loans and leases to total assets | 52.5348% | 4,706 |
| Net loans and leases to deposits | 60.0738% | 4,842 |
| Net loans and leases to core deposits | 63.4000% | 4,852 |
| Total domestic deposits to total assets | 87.4505% | 1,928 |
| Equity capital to assets | 11.9191% | 2,091 |
| Core capital (leverage) ratio | 11.5841% | 1,936 |
| Tier 1 risk-based capital ratio | 19.6432% | 1,637 |
| Total risk-based capital ratio | 20.6230% | 1,671 |
| Memoranda: | ||
| Average total assets | $282,857,670 | 2,283 |
| Average earning assets | $264,954,330 | 2,270 |
| Average equity | $33,426,330 | 2,138 |
| Average total loans | $148,175,330 | 2,646 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2355% | 2,325 |
| Cost of funding earning assets | 0.2136% | 5,381 |
| Net interest margin | 4.0219% | 1,490 |
| Noninterest income to average assets | 0.7134% | 2,108 |
| Noninterest expense to average assets | 3.1991% | 1,990 |
| Loan and lease loss provision to assets | 0.0355% | 3,191 |
| Net operating income to assets | 1.2521% | 1,401 |
| Return on assets (ROA) | 1.2663% | 1,447 |
| Pretax return on assets | 1.2663% | 2,398 |
| Return on Equity (ROE) | 10.7623% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.7623% | 760 |
| Net charge-offs to loans | 0.0574% | 2,182 |
| Credit loss provision to net charge-offs | 119.0476% | 1,453 |
| Earnings coverage of net charge-offs (x) | 43.1429% | 931 |
| Efficiency ratio | 71.3019% | 3,283 |
| Assets per employee ($millions) | 3.3548% | 5,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 4,336 |
| Loan loss allowance to noncurrent loans | 127.3282% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 3,995 |
| Noncurrent loans to loans | 0.8922% | 3,010 |
| Net loans and leases to total assets | 50.9016% | 4,758 |
| Net loans and leases to deposits | 58.0752% | 4,909 |
| Net loans and leases to core deposits | 61.1416% | 4,903 |
| Total domestic deposits to total assets | 87.6477% | 2,016 |
| Equity capital to assets | 11.8540% | 2,148 |
| Core capital (leverage) ratio | 11.4310% | 2,053 |
| Tier 1 risk-based capital ratio | 19.5456% | 1,726 |
| Total risk-based capital ratio | 20.5633% | 1,745 |
| Memoranda: | ||
| Average total assets | $281,456,500 | 2,307 |
| Average earning assets | $264,052,500 | 2,284 |
| Average equity | $33,115,500 | 2,170 |
| Average total loans | $146,402,500 | 2,670 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,471 |
| Cost of funding earning assets | 0.2340% | 5,478 |
| Net interest margin | 4.1030% | 1,571 |
| Noninterest income to average assets | 0.7460% | 2,092 |
| Noninterest expense to average assets | 3.4256% | 1,646 |
| Loan and lease loss provision to assets | 0.7007% | 180 |
| Net operating income to assets | 0.4275% | 5,118 |
| Return on assets (ROA) | 0.4567% | 5,078 |
| Pretax return on assets | 0.4567% | 5,371 |
| Return on Equity (ROE) | 3.9122% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.9122% | 3,427 |
| Net charge-offs to loans | 1.3972% | 181 |
| Credit loss provision to net charge-offs | 100.0534% | 2,386 |
| Earnings coverage of net charge-offs (x) | 1.6110% | 4,381 |
| Efficiency ratio | 72.0640% | 3,197 |
| Assets per employee ($millions) | 3.5158% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 4,335 |
| Loan loss allowance to noncurrent loans | 172.9730% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4328% | 4,376 |
| Noncurrent loans to loans | 0.6590% | 3,707 |
| Net loans and leases to total assets | 51.9606% | 4,790 |
| Net loans and leases to deposits | 59.1029% | 4,977 |
| Net loans and leases to core deposits | 61.9677% | 4,999 |
| Total domestic deposits to total assets | 87.9154% | 1,818 |
| Equity capital to assets | 11.6752% | 2,277 |
| Core capital (leverage) ratio | 11.3086% | 2,122 |
| Tier 1 risk-based capital ratio | 19.0531% | 1,835 |
| Total risk-based capital ratio | 20.0711% | 1,863 |
| Memoranda: | ||
| Average total assets | $267,576,600 | 2,368 |
| Average earning assets | $248,327,600 | 2,360 |
| Average equity | $31,235,600 | 2,206 |
| Average total loans | $134,124,800 | 2,791 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 2,541 |
| Cost of funding earning assets | 0.2380% | 5,531 |
| Net interest margin | 4.0824% | 1,633 |
| Noninterest income to average assets | 0.7471% | 2,110 |
| Noninterest expense to average assets | 3.2835% | 1,941 |
| Loan and lease loss provision to assets | 0.8175% | 150 |
| Net operating income to assets | 0.4261% | 5,153 |
| Return on assets (ROA) | 0.4261% | 5,230 |
| Pretax return on assets | 0.4261% | 5,529 |
| Return on Equity (ROE) | 3.6503% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.6503% | 4,051 |
| Net charge-offs to loans | 1.9091% | 107 |
| Credit loss provision to net charge-offs | 86.5282% | 2,487 |
| Earnings coverage of net charge-offs (x) | 1.3163% | 4,185 |
| Efficiency ratio | 72.5303% | 3,086 |
| Assets per employee ($millions) | 3.1192% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 5,041 |
| Loan loss allowance to noncurrent loans | 117.6962% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 4,308 |
| Noncurrent loans to loans | 0.8809% | 3,367 |
| Net loans and leases to total assets | 49.5963% | 5,048 |
| Net loans and leases to deposits | 56.6071% | 5,199 |
| Net loans and leases to core deposits | 59.2900% | 5,240 |
| Total domestic deposits to total assets | 87.6150% | 1,970 |
| Equity capital to assets | 11.6601% | 2,352 |
| Core capital (leverage) ratio | 11.2592% | 2,253 |
| Tier 1 risk-based capital ratio | 17.3593% | 2,446 |
| Total risk-based capital ratio | 18.1649% | 2,598 |
| Memoranda: | ||
| Average total assets | $265,033,000 | 2,413 |
| Average earning assets | $245,404,000 | 2,399 |
| Average equity | $30,937,500 | 2,231 |
| Average total loans | $131,159,750 | 2,850 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,465 |
| Cost of funding earning assets | 0.2396% | 5,588 |
| Net interest margin | 4.0919% | 1,539 |
| Noninterest income to average assets | 0.7417% | 2,083 |
| Noninterest expense to average assets | 3.2763% | 1,980 |
| Loan and lease loss provision to assets | 1.1410% | 82 |
| Net operating income to assets | 0.1050% | 6,040 |
| Return on assets (ROA) | 0.1050% | 6,074 |
| Pretax return on assets | 0.1050% | 6,092 |
| Return on Equity (ROE) | 0.8989% | 6,072 |
| Retained earnings to average equity (ytd only) | 0.8989% | 5,391 |
| Net charge-offs to loans | 2.8391% | 62 |
| Credit loss provision to net charge-offs | 81.5661% | 2,311 |
| Earnings coverage of net charge-offs (x) | 0.8907% | 3,946 |
| Efficiency ratio | 72.4474% | 3,252 |
| Assets per employee ($millions) | 3.0319% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 5,275 |
| Loan loss allowance to noncurrent loans | 61.4385% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 3,307 |
| Noncurrent loans to loans | 1.6556% | 2,097 |
| Net loans and leases to total assets | 47.7467% | 5,191 |
| Net loans and leases to deposits | 54.3869% | 5,326 |
| Net loans and leases to core deposits | 57.0030% | 5,346 |
| Total domestic deposits to total assets | 87.7907% | 2,041 |
| Equity capital to assets | 11.5526% | 2,374 |
| Core capital (leverage) ratio | 11.0696% | 2,360 |
| Tier 1 risk-based capital ratio | 17.5777% | 2,390 |
| Total risk-based capital ratio | 18.3619% | 2,533 |
| Memoranda: | ||
| Average total assets | $262,921,000 | 2,430 |
| Average earning assets | $242,919,000 | 2,414 |
| Average equity | $30,702,670 | 2,232 |
| Average total loans | $129,546,670 | 2,878 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,661 |
| Cost of funding earning assets | 0.2443% | 5,640 |
| Net interest margin | 4.0167% | 1,702 |
| Noninterest income to average assets | 0.6275% | 2,581 |
| Noninterest expense to average assets | 3.2899% | 1,969 |
| Loan and lease loss provision to assets | 0.7708% | 159 |
| Net operating income to assets | 0.2667% | 5,608 |
| Return on assets (ROA) | 0.2667% | 5,650 |
| Pretax return on assets | 0.2667% | 5,788 |
| Return on Equity (ROE) | 2.2713% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.2713% | 4,697 |
| Net charge-offs to loans | -0.0557% | 5,847 |
| Credit loss provision to net charge-offs | -2,777.7778% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0242% | 2,804 |
| Assets per employee ($millions) | 3.1354% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 2,440 |
| Loan loss allowance to noncurrent loans | 56.9749% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5594% | 2,264 |
| Noncurrent loans to loans | 2.9306% | 1,103 |
| Net loans and leases to total assets | 48.7679% | 5,028 |
| Net loans and leases to deposits | 55.5759% | 5,149 |
| Net loans and leases to core deposits | 58.1288% | 5,190 |
| Total domestic deposits to total assets | 87.7501% | 2,383 |
| Equity capital to assets | 11.6887% | 2,110 |
| Core capital (leverage) ratio | 11.4554% | 2,000 |
| Tier 1 risk-based capital ratio | 17.5457% | 2,463 |
| Total risk-based capital ratio | 18.7958% | 2,433 |
| Memoranda: | ||
| Average total assets | $259,460,000 | 2,459 |
| Average earning assets | $239,005,000 | 2,455 |
| Average equity | $30,467,000 | 2,246 |
| Average total loans | $129,237,500 | 2,891 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 2,688 |
| Cost of funding earning assets | 0.2794% | 5,764 |
| Net interest margin | 4.0905% | 1,670 |
| Noninterest income to average assets | 0.8223% | 1,973 |
| Noninterest expense to average assets | 3.3513% | 1,996 |
| Loan and lease loss provision to assets | 0.0575% | 3,994 |
| Net operating income to assets | 1.1923% | 1,600 |
| Return on assets (ROA) | 1.2153% | 1,582 |
| Pretax return on assets | 1.2153% | 2,514 |
| Return on Equity (ROE) | 9.9091% | 2,153 |
| Retained earnings to average equity (ytd only) | 1.7895% | 4,956 |
| Net charge-offs to loans | 0.1618% | 3,194 |
| Credit loss provision to net charge-offs | 73.8916% | 3,203 |
| Earnings coverage of net charge-offs (x) | 16.0739% | 1,827 |
| Efficiency ratio | 69.5913% | 3,905 |
| Assets per employee ($millions) | 3.0422% | 5,770 |
| Cash dividends to net income (ytd only)* | 81.9414% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 4,142 |
| Loan loss allowance to noncurrent loans | 181.5502% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 4,927 |
| Noncurrent loans to loans | 0.7165% | 4,170 |
| Net loans and leases to total assets | 49.3802% | 5,147 |
| Net loans and leases to deposits | 56.2568% | 5,281 |
| Net loans and leases to core deposits | 58.6855% | 5,333 |
| Total domestic deposits to total assets | 87.7764% | 2,320 |
| Equity capital to assets | 11.7979% | 1,952 |
| Core capital (leverage) ratio | 11.4924% | 1,967 |
| Tier 1 risk-based capital ratio | 17.6952% | 2,343 |
| Total risk-based capital ratio | 18.6914% | 2,410 |
| Memoranda: | ||
| Average total assets | $261,094,600 | 2,429 |
| Average earning assets | $241,194,200 | 2,412 |
| Average equity | $32,021,000 | 2,130 |
| Average total loans | $125,482,800 | 2,926 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 2,846 |
| Cost of funding earning assets | 0.2851% | 5,850 |
| Net interest margin | 4.0513% | 1,784 |
| Noninterest income to average assets | 0.8198% | 2,057 |
| Noninterest expense to average assets | 3.1727% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3867% | 1,134 |
| Return on assets (ROA) | 1.3867% | 1,182 |
| Pretax return on assets | 1.3867% | 1,973 |
| Return on Equity (ROE) | 11.2035% | 1,750 |
| Retained earnings to average equity (ytd only) | 11.2035% | 536 |
| Net charge-offs to loans | 0.1025% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 28.4368% | 1,284 |
| Efficiency ratio | 69.5856% | 3,821 |
| Assets per employee ($millions) | 3.0615% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 4,430 |
| Loan loss allowance to noncurrent loans | 144.2565% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 4,917 |
| Noncurrent loans to loans | 0.8963% | 4,031 |
| Net loans and leases to total assets | 48.0913% | 5,335 |
| Net loans and leases to deposits | 55.5658% | 5,407 |
| Net loans and leases to core deposits | 58.3243% | 5,425 |
| Total domestic deposits to total assets | 86.5484% | 2,934 |
| Equity capital to assets | 12.6463% | 1,504 |
| Core capital (leverage) ratio | 12.0988% | 1,614 |
| Tier 1 risk-based capital ratio | 18.8893% | 2,026 |
| Total risk-based capital ratio | 19.8668% | 2,079 |
| Memoranda: | ||
| Average total assets | $262,481,750 | 2,434 |
| Average earning assets | $242,286,500 | 2,423 |
| Average equity | $32,489,000 | 2,123 |
| Average total loans | $124,890,500 | 2,958 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 2,876 |
| Cost of funding earning assets | 0.2936% | 5,878 |
| Net interest margin | 4.0242% | 1,779 |
| Noninterest income to average assets | 0.7924% | 2,220 |
| Noninterest expense to average assets | 3.1598% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3358% | 1,235 |
| Return on assets (ROA) | 1.3358% | 1,318 |
| Pretax return on assets | 1.3358% | 2,171 |
| Return on Equity (ROE) | 10.8689% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.8689% | 668 |
| Net charge-offs to loans | 0.0866% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 32.6852% | 1,079 |
| Efficiency ratio | 70.2862% | 3,772 |
| Assets per employee ($millions) | 3.1113% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3575% | 4,230 |
| Loan loss allowance to noncurrent loans | 182.4369% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 5,215 |
| Noncurrent loans to loans | 0.7441% | 4,437 |
| Net loans and leases to total assets | 45.6679% | 5,573 |
| Net loans and leases to deposits | 52.3586% | 5,656 |
| Net loans and leases to core deposits | 54.9948% | 5,671 |
| Total domestic deposits to total assets | 87.2215% | 2,699 |
| Equity capital to assets | 12.1493% | 1,810 |
| Core capital (leverage) ratio | 11.5036% | 1,934 |
| Tier 1 risk-based capital ratio | 18.5639% | 2,120 |
| Total risk-based capital ratio | 19.5809% | 2,165 |
| Memoranda: | ||
| Average total assets | $264,253,330 | 2,418 |
| Average earning assets | $243,179,330 | 2,417 |
| Average equity | $32,478,000 | 2,129 |
| Average total loans | $124,755,670 | 2,973 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 2,665 |
| Cost of funding earning assets | 0.3028% | 5,946 |
| Net interest margin | 4.0549% | 1,608 |
| Noninterest income to average assets | 0.8026% | 2,113 |
| Noninterest expense to average assets | 3.1497% | 2,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3644% | 1,114 |
| Return on assets (ROA) | 1.3644% | 1,204 |
| Pretax return on assets | 1.3644% | 1,995 |
| Return on Equity (ROE) | 11.0376% | 1,695 |
| Retained earnings to average equity (ytd only) | 11.0376% | 865 |
| Net charge-offs to loans | 0.1302% | 2,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 21.9756% | 1,150 |
| Efficiency ratio | 69.7752% | 4,011 |
| Assets per employee ($millions) | 3.2185% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,412 |
| Loan loss allowance to noncurrent loans | 219.9475% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 5,446 |
| Noncurrent loans to loans | 0.6198% | 4,897 |
| Net loans and leases to total assets | 45.3977% | 5,500 |
| Net loans and leases to deposits | 52.0829% | 5,608 |
| Net loans and leases to core deposits | 55.0077% | 5,600 |
| Total domestic deposits to total assets | 87.1644% | 2,854 |
| Equity capital to assets | 12.3415% | 1,814 |
| Core capital (leverage) ratio | 11.2243% | 2,076 |
| Tier 1 risk-based capital ratio | 18.0360% | 2,343 |
| Total risk-based capital ratio | 19.0615% | 2,403 |
| Memoranda: | ||
| Average total assets | $264,150,500 | 2,449 |
| Average earning assets | $241,780,500 | 2,455 |
| Average equity | $32,652,000 | 2,141 |
| Average total loans | $125,916,000 | 2,968 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5539% | 3,195 |
| Cost of funding earning assets | 0.3899% | 5,981 |
| Net interest margin | 4.1639% | 1,763 |
| Noninterest income to average assets | 0.8173% | 2,188 |
| Noninterest expense to average assets | 3.1152% | 2,884 |
| Loan and lease loss provision to assets | 0.0443% | 5,295 |
| Net operating income to assets | 1.5056% | 906 |
| Return on assets (ROA) | 1.5187% | 974 |
| Pretax return on assets | 1.5187% | 1,627 |
| Return on Equity (ROE) | 12.3909% | 1,391 |
| Retained earnings to average equity (ytd only) | 4.5386% | 3,029 |
| Net charge-offs to loans | 0.0910% | 4,761 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 35.0087% | 896 |
| Efficiency ratio | 66.7767% | 4,367 |
| Assets per employee ($millions) | 3.1465% | 5,746 |
| Cash dividends to net income (ytd only)* | 63.3714% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 4,489 |
| Loan loss allowance to noncurrent loans | 236.6897% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 5,563 |
| Noncurrent loans to loans | 0.5625% | 5,125 |
| Net loans and leases to total assets | 48.6920% | 5,343 |
| Net loans and leases to deposits | 55.8228% | 5,464 |
| Net loans and leases to core deposits | 58.9710% | 5,457 |
| Total domestic deposits to total assets | 87.2259% | 2,687 |
| Equity capital to assets | 12.3812% | 1,803 |
| Core capital (leverage) ratio | 11.0933% | 2,172 |
| Tier 1 risk-based capital ratio | 17.1279% | 2,593 |
| Total risk-based capital ratio | 18.1565% | 2,660 |
| Memoranda: | ||
| Average total assets | $259,760,200 | 2,442 |
| Average earning assets | $240,038,400 | 2,409 |
| Average equity | $31,838,000 | 2,150 |
| Average total loans | $126,391,800 | 2,942 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5545% | 3,409 |
| Cost of funding earning assets | 0.4081% | 6,072 |
| Net interest margin | 4.1464% | 1,916 |
| Noninterest income to average assets | 0.8018% | 2,232 |
| Noninterest expense to average assets | 3.0926% | 2,911 |
| Loan and lease loss provision to assets | 0.0257% | 5,462 |
| Net operating income to assets | 1.5162% | 991 |
| Return on assets (ROA) | 1.5162% | 1,100 |
| Pretax return on assets | 1.5162% | 1,820 |
| Return on Equity (ROE) | 12.4023% | 1,497 |
| Retained earnings to average equity (ytd only) | 8.1981% | 1,533 |
| Net charge-offs to loans | 0.0880% | 4,500 |
| Credit loss provision to net charge-offs | 60.2410% | 4,141 |
| Earnings coverage of net charge-offs (x) | 36.1459% | 949 |
| Efficiency ratio | 66.7295% | 4,301 |
| Assets per employee ($millions) | 3.0793% | 5,900 |
| Cash dividends to net income (ytd only)* | 33.8983% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 4,617 |
| Loan loss allowance to noncurrent loans | 152.8610% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 5,349 |
| Noncurrent loans to loans | 0.8785% | 4,667 |
| Net loans and leases to total assets | 48.3803% | 5,504 |
| Net loans and leases to deposits | 55.9568% | 5,641 |
| Net loans and leases to core deposits | 59.2696% | 5,629 |
| Total domestic deposits to total assets | 86.4602% | 3,010 |
| Equity capital to assets | 12.9502% | 1,616 |
| Core capital (leverage) ratio | 11.1562% | 2,250 |
| Tier 1 risk-based capital ratio | 17.5750% | 2,508 |
| Total risk-based capital ratio | 18.6059% | 2,553 |
| Memoranda: | ||
| Average total assets | $259,409,750 | 2,469 |
| Average earning assets | $239,784,250 | 2,447 |
| Average equity | $31,713,750 | 2,176 |
| Average total loans | $125,769,500 | 3,002 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 3,439 |
| Cost of funding earning assets | 0.4282% | 6,110 |
| Net interest margin | 4.1543% | 1,887 |
| Noninterest income to average assets | 0.7879% | 2,241 |
| Noninterest expense to average assets | 3.0565% | 3,059 |
| Loan and lease loss provision to assets | 0.0384% | 5,196 |
| Net operating income to assets | 1.5260% | 954 |
| Return on assets (ROA) | 1.5260% | 1,072 |
| Pretax return on assets | 1.5260% | 1,785 |
| Return on Equity (ROE) | 12.7287% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.7287% | 470 |
| Net charge-offs to loans | 0.1017% | 4,142 |
| Credit loss provision to net charge-offs | 78.1250% | 3,370 |
| Earnings coverage of net charge-offs (x) | 31.8594% | 1,032 |
| Efficiency ratio | 66.1464% | 4,510 |
| Assets per employee ($millions) | 3.0545% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3619% | 4,604 |
| Loan loss allowance to noncurrent loans | 176.7394% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 5,589 |
| Noncurrent loans to loans | 0.7705% | 4,966 |
| Net loans and leases to total assets | 47.4799% | 5,663 |
| Net loans and leases to deposits | 54.6246% | 5,808 |
| Net loans and leases to core deposits | 57.7807% | 5,793 |
| Total domestic deposits to total assets | 86.9204% | 2,820 |
| Equity capital to assets | 12.6174% | 1,741 |
| Core capital (leverage) ratio | 11.0001% | 2,291 |
| Tier 1 risk-based capital ratio | 18.2897% | 2,200 |
| Total risk-based capital ratio | 19.3732% | 2,227 |
| Memoranda: | ||
| Average total assets | $260,686,670 | 2,453 |
| Average earning assets | $240,522,330 | 2,430 |
| Average equity | $31,252,330 | 2,186 |
| Average total loans | $125,915,000 | 3,010 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5739% | 3,625 |
| Cost of funding earning assets | 0.4571% | 6,103 |
| Net interest margin | 4.1168% | 2,038 |
| Noninterest income to average assets | 0.7748% | 2,278 |
| Noninterest expense to average assets | 3.0489% | 3,087 |
| Loan and lease loss provision to assets | 0.0766% | 4,437 |
| Net operating income to assets | 1.4425% | 1,136 |
| Return on assets (ROA) | 1.4425% | 1,269 |
| Pretax return on assets | 1.4425% | 2,043 |
| Return on Equity (ROE) | 12.3545% | 1,566 |
| Retained earnings to average equity (ytd only) | 12.3545% | 774 |
| Net charge-offs to loans | 0.1709% | 3,062 |
| Credit loss provision to net charge-offs | 92.5926% | 2,500 |
| Earnings coverage of net charge-offs (x) | 18.3704% | 1,268 |
| Efficiency ratio | 66.7449% | 4,418 |
| Assets per employee ($millions) | 3.1833% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,839 |
| Loan loss allowance to noncurrent loans | 145.8262% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 5,677 |
| Noncurrent loans to loans | 0.9195% | 4,829 |
| Net loans and leases to total assets | 47.6755% | 5,602 |
| Net loans and leases to deposits | 54.3032% | 5,779 |
| Net loans and leases to core deposits | 57.2816% | 5,790 |
| Total domestic deposits to total assets | 87.7951% | 2,463 |
| Equity capital to assets | 11.7587% | 2,213 |
| Core capital (leverage) ratio | 10.5433% | 2,698 |
| Tier 1 risk-based capital ratio | 17.1109% | 2,643 |
| Total risk-based capital ratio | 18.1816% | 2,664 |
| Memoranda: | ||
| Average total assets | $261,213,000 | 2,471 |
| Average earning assets | $240,672,000 | 2,445 |
| Average equity | $30,499,000 | 2,231 |
| Average total loans | $126,384,500 | 3,016 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 3,783 |
| Cost of funding earning assets | 0.5902% | 6,131 |
| Net interest margin | 4.2156% | 2,005 |
| Noninterest income to average assets | 0.8073% | 2,020 |
| Noninterest expense to average assets | 3.2147% | 2,811 |
| Loan and lease loss provision to assets | 0.0892% | 5,468 |
| Net operating income to assets | 1.3872% | 1,046 |
| Return on assets (ROA) | 1.4356% | 1,040 |
| Pretax return on assets | 1.4356% | 1,669 |
| Return on Equity (ROE) | 12.4962% | 1,282 |
| Retained earnings to average equity (ytd only) | 4.5610% | 2,932 |
| Net charge-offs to loans | 0.1201% | 5,184 |
| Credit loss provision to net charge-offs | 156.2500% | 1,797 |
| Earnings coverage of net charge-offs (x) | 25.8681% | 960 |
| Efficiency ratio | 68.5282% | 4,249 |
| Assets per employee ($millions) | 3.0378% | 6,013 |
| Cash dividends to net income (ytd only)* | 63.5008% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,590 |
| Loan loss allowance to noncurrent loans | 139.9674% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 5,708 |
| Noncurrent loans to loans | 0.9801% | 4,745 |
| Net loans and leases to total assets | 47.7807% | 5,846 |
| Net loans and leases to deposits | 54.2486% | 6,042 |
| Net loans and leases to core deposits | 57.1882% | 6,062 |
| Total domestic deposits to total assets | 88.0773% | 2,103 |
| Equity capital to assets | 11.5912% | 2,434 |
| Core capital (leverage) ratio | 10.2676% | 3,006 |
| Tier 1 risk-based capital ratio | 16.7564% | 2,717 |
| Total risk-based capital ratio | 17.8449% | 2,750 |
| Memoranda: | ||
| Average total assets | $252,307,400 | 2,498 |
| Average earning assets | $232,446,400 | 2,483 |
| Average equity | $28,984,800 | 2,273 |
| Average total loans | $119,943,000 | 3,173 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 3,719 |
| Cost of funding earning assets | 0.6169% | 6,202 |
| Net interest margin | 4.2454% | 1,927 |
| Noninterest income to average assets | 0.8064% | 2,025 |
| Noninterest expense to average assets | 3.1697% | 2,927 |
| Loan and lease loss provision to assets | 0.0532% | 5,784 |
| Net operating income to assets | 1.4905% | 957 |
| Return on assets (ROA) | 1.5553% | 910 |
| Pretax return on assets | 1.5553% | 1,498 |
| Return on Equity (ROE) | 13.5702% | 1,145 |
| Retained earnings to average equity (ytd only) | 7.5411% | 1,692 |
| Net charge-offs to loans | 0.0573% | 5,399 |
| Credit loss provision to net charge-offs | 196.0784% | 1,493 |
| Earnings coverage of net charge-offs (x) | 56.9397% | 576 |
| Efficiency ratio | 67.2494% | 4,477 |
| Assets per employee ($millions) | 3.0629% | 5,981 |
| Cash dividends to net income (ytd only)* | 44.4292% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,414 |
| Loan loss allowance to noncurrent loans | 218.1347% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 6,263 |
| Noncurrent loans to loans | 0.6559% | 5,576 |
| Net loans and leases to total assets | 45.0914% | 6,234 |
| Net loans and leases to deposits | 51.4691% | 6,408 |
| Net loans and leases to core deposits | 54.7882% | 6,404 |
| Total domestic deposits to total assets | 87.6086% | 2,287 |
| Equity capital to assets | 11.9040% | 2,328 |
| Core capital (leverage) ratio | 10.3632% | 3,017 |
| Tier 1 risk-based capital ratio | 17.6209% | 2,389 |
| Total risk-based capital ratio | 18.7402% | 2,418 |
| Memoranda: | ||
| Average total assets | $250,831,000 | 2,520 |
| Average earning assets | $230,834,000 | 2,503 |
| Average equity | $28,748,500 | 2,286 |
| Average total loans | $118,655,750 | 3,229 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9090% | 3,574 |
| Cost of funding earning assets | 0.6418% | 6,262 |
| Net interest margin | 4.2672% | 1,778 |
| Noninterest income to average assets | 0.8131% | 1,962 |
| Noninterest expense to average assets | 3.1864% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5514% | 803 |
| Return on assets (ROA) | 1.5514% | 856 |
| Pretax return on assets | 1.5514% | 1,377 |
| Return on Equity (ROE) | 13.7186% | 1,041 |
| Retained earnings to average equity (ytd only) | 11.5851% | 580 |
| Net charge-offs to loans | -0.0017% | 6,525 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2551% | 4,655 |
| Assets per employee ($millions) | 3.2266% | 5,582 |
| Cash dividends to net income (ytd only)* | 15.5521% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 4,641 |
| Loan loss allowance to noncurrent loans | 178.9934% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 6,164 |
| Noncurrent loans to loans | 0.7742% | 5,366 |
| Net loans and leases to total assets | 46.2561% | 6,239 |
| Net loans and leases to deposits | 52.7218% | 6,417 |
| Net loans and leases to core deposits | 55.7242% | 6,434 |
| Total domestic deposits to total assets | 87.7361% | 2,323 |
| Equity capital to assets | 11.8165% | 2,228 |
| Core capital (leverage) ratio | 10.4761% | 2,737 |
| Tier 1 risk-based capital ratio | 17.5372% | 2,325 |
| Total risk-based capital ratio | 18.6255% | 2,360 |
| Memoranda: | ||
| Average total assets | $248,680,000 | 2,567 |
| Average earning assets | $228,724,000 | 2,544 |
| Average equity | $28,122,330 | 2,303 |
| Average total loans | $118,975,330 | 3,249 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 3,656 |
| Cost of funding earning assets | 0.6624% | 6,336 |
| Net interest margin | 4.2238% | 1,824 |
| Noninterest income to average assets | 0.7848% | 2,094 |
| Noninterest expense to average assets | 3.2785% | 2,628 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3965% | 1,067 |
| Return on assets (ROA) | 1.3965% | 1,108 |
| Pretax return on assets | 1.3965% | 1,733 |
| Return on Equity (ROE) | 12.6382% | 1,290 |
| Retained earnings to average equity (ytd only) | 12.6382% | 648 |
| Net charge-offs to loans | -0.0938% | 7,070 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1281% | 4,236 |
| Assets per employee ($millions) | 3.1758% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 4,730 |
| Loan loss allowance to noncurrent loans | 141.4116% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 5,993 |
| Noncurrent loans to loans | 0.9814% | 5,082 |
| Net loans and leases to total assets | 47.0971% | 6,178 |
| Net loans and leases to deposits | 53.2026% | 6,365 |
| Net loans and leases to core deposits | 56.3930% | 6,382 |
| Total domestic deposits to total assets | 88.5241% | 2,058 |
| Equity capital to assets | 11.0901% | 2,603 |
| Core capital (leverage) ratio | 10.3342% | 2,776 |
| Tier 1 risk-based capital ratio | 16.9004% | 2,518 |
| Total risk-based capital ratio | 18.0050% | 2,536 |
| Memoranda: | ||
| Average total assets | $247,183,500 | 2,590 |
| Average earning assets | $227,662,500 | 2,574 |
| Average equity | $27,314,000 | 2,350 |
| Average total loans | $119,438,000 | 3,270 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 3,430 |
| Cost of funding earning assets | 0.8307% | 6,439 |
| Net interest margin | 4.4051% | 1,450 |
| Noninterest income to average assets | 0.7749% | 2,403 |
| Noninterest expense to average assets | 3.3200% | 2,669 |
| Loan and lease loss provision to assets | 0.1772% | 5,452 |
| Net operating income to assets | 1.3272% | 1,110 |
| Return on assets (ROA) | 1.3735% | 1,069 |
| Pretax return on assets | 1.3735% | 1,728 |
| Return on Equity (ROE) | 12.1298% | 1,291 |
| Retained earnings to average equity (ytd only) | 6.6079% | 1,502 |
| Net charge-offs to loans | 0.3406% | 4,310 |
| Credit loss provision to net charge-offs | 104.1667% | 4,315 |
| Earnings coverage of net charge-offs (x) | 8.8456% | 1,915 |
| Efficiency ratio | 68.8180% | 4,400 |
| Assets per employee ($millions) | 2.8644% | 6,408 |
| Cash dividends to net income (ytd only)* | 45.5235% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 4,642 |
| Loan loss allowance to noncurrent loans | 154.9763% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 5,978 |
| Noncurrent loans to loans | 0.8862% | 5,288 |
| Net loans and leases to total assets | 48.2247% | 6,368 |
| Net loans and leases to deposits | 54.3784% | 6,582 |
| Net loans and leases to core deposits | 57.4145% | 6,605 |
| Total domestic deposits to total assets | 88.6835% | 1,837 |
| Equity capital to assets | 11.0088% | 2,680 |
| Core capital (leverage) ratio | 10.1284% | 2,950 |
| Tier 1 risk-based capital ratio | 16.3879% | 2,574 |
| Total risk-based capital ratio | 17.4849% | 2,598 |
| Memoranda: | ||
| Average total assets | $239,906,600 | 2,638 |
| Average earning assets | $220,540,800 | 2,630 |
| Average equity | $27,164,400 | 2,364 |
| Average total loans | $119,782,000 | 3,316 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 3,442 |
| Cost of funding earning assets | 0.8580% | 6,552 |
| Net interest margin | 4.4240% | 1,448 |
| Noninterest income to average assets | 0.7681% | 2,397 |
| Noninterest expense to average assets | 3.3264% | 2,494 |
| Loan and lease loss provision to assets | 0.1361% | 5,668 |
| Net operating income to assets | 1.3728% | 1,161 |
| Return on assets (ROA) | 1.3728% | 1,243 |
| Pretax return on assets | 1.3728% | 1,958 |
| Return on Equity (ROE) | 12.0393% | 1,490 |
| Retained earnings to average equity (ytd only) | 9.5933% | 893 |
| Net charge-offs to loans | 0.2456% | 4,466 |
| Credit loss provision to net charge-offs | 110.4072% | 3,832 |
| Earnings coverage of net charge-offs (x) | 12.2398% | 1,707 |
| Efficiency ratio | 68.7933% | 4,313 |
| Assets per employee ($millions) | 2.7171% | 6,752 |
| Cash dividends to net income (ytd only)* | 20.3170% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 4,616 |
| Loan loss allowance to noncurrent loans | 188.1881% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 6,294 |
| Noncurrent loans to loans | 0.7289% | 5,742 |
| Net loans and leases to total assets | 49.3449% | 6,392 |
| Net loans and leases to deposits | 56.4129% | 6,587 |
| Net loans and leases to core deposits | 59.4423% | 6,642 |
| Total domestic deposits to total assets | 87.4709% | 2,279 |
| Equity capital to assets | 11.8708% | 2,239 |
| Core capital (leverage) ratio | 10.2583% | 2,974 |
| Tier 1 risk-based capital ratio | 16.4807% | 2,561 |
| Total risk-based capital ratio | 17.5804% | 2,581 |
| Memoranda: | ||
| Average total assets | $239,014,000 | 2,680 |
| Average earning assets | $219,736,000 | 2,669 |
| Average equity | $27,254,500 | 2,392 |
| Average total loans | $119,964,750 | 3,367 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 3,484 |
| Cost of funding earning assets | 0.8779% | 6,658 |
| Net interest margin | 4.4197% | 1,394 |
| Noninterest income to average assets | 0.7524% | 2,380 |
| Noninterest expense to average assets | 3.2973% | 2,576 |
| Loan and lease loss provision to assets | 0.0787% | 6,153 |
| Net operating income to assets | 1.4419% | 1,007 |
| Return on assets (ROA) | 1.4419% | 1,076 |
| Pretax return on assets | 1.4419% | 1,718 |
| Return on Equity (ROE) | 12.8209% | 1,282 |
| Retained earnings to average equity (ytd only) | 12.8209% | 398 |
| Net charge-offs to loans | 0.2498% | 4,093 |
| Credit loss provision to net charge-offs | 62.6667% | 5,141 |
| Earnings coverage of net charge-offs (x) | 12.1133% | 1,703 |
| Efficiency ratio | 68.4384% | 4,491 |
| Assets per employee ($millions) | 2.8632% | 6,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 4,843 |
| Loan loss allowance to noncurrent loans | 190.4878% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4511% | 6,323 |
| Noncurrent loans to loans | 0.6885% | 5,872 |
| Net loans and leases to total assets | 48.8734% | 6,557 |
| Net loans and leases to deposits | 55.6563% | 6,752 |
| Net loans and leases to core deposits | 58.3402% | 6,809 |
| Total domestic deposits to total assets | 87.8129% | 2,098 |
| Equity capital to assets | 11.6503% | 2,320 |
| Core capital (leverage) ratio | 10.1683% | 2,974 |
| Tier 1 risk-based capital ratio | 16.4242% | 2,506 |
| Total risk-based capital ratio | 17.4776% | 2,536 |
| Memoranda: | ||
| Average total assets | $238,983,000 | 2,713 |
| Average earning assets | $219,836,330 | 2,687 |
| Average equity | $26,878,000 | 2,420 |
| Average total loans | $120,077,000 | 3,406 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3239% | 3,426 |
| Cost of funding earning assets | 0.9046% | 6,752 |
| Net interest margin | 4.4193% | 1,336 |
| Noninterest income to average assets | 0.6851% | 2,697 |
| Noninterest expense to average assets | 3.3398% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4138% | 1,044 |
| Return on assets (ROA) | 1.4138% | 1,114 |
| Pretax return on assets | 1.4138% | 1,734 |
| Return on Equity (ROE) | 12.8027% | 1,296 |
| Retained earnings to average equity (ytd only) | 12.8027% | 647 |
| Net charge-offs to loans | 0.2555% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 10.9351% | 1,693 |
| Efficiency ratio | 70.2579% | 4,252 |
| Assets per employee ($millions) | 2.7792% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 5,021 |
| Loan loss allowance to noncurrent loans | 196.1783% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 6,534 |
| Noncurrent loans to loans | 0.6549% | 6,011 |
| Net loans and leases to total assets | 49.5065% | 6,527 |
| Net loans and leases to deposits | 56.0194% | 6,772 |
| Net loans and leases to core deposits | 58.5269% | 6,846 |
| Total domestic deposits to total assets | 88.3740% | 1,866 |
| Equity capital to assets | 11.1972% | 2,595 |
| Core capital (leverage) ratio | 9.9187% | 3,264 |
| Tier 1 risk-based capital ratio | 15.8247% | 2,717 |
| Total risk-based capital ratio | 16.8630% | 2,768 |
| Memoranda: | ||
| Average total assets | $238,220,000 | 2,787 |
| Average earning assets | $219,312,000 | 2,746 |
| Average equity | $26,307,000 | 2,486 |
| Average total loans | $120,562,000 | 3,456 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8596% | 2,408 |
| Cost of funding earning assets | 1.1086% | 6,951 |
| Net interest margin | 4.7510% | 761 |
| Noninterest income to average assets | 0.7673% | 2,575 |
| Noninterest expense to average assets | 3.5523% | 2,261 |
| Loan and lease loss provision to assets | 0.1352% | 6,288 |
| Net operating income to assets | 1.4532% | 753 |
| Return on assets (ROA) | 1.4532% | 815 |
| Pretax return on assets | 1.4532% | 1,310 |
| Return on Equity (ROE) | 13.6111% | 853 |
| Retained earnings to average equity (ytd only) | 9.1749% | 471 |
| Net charge-offs to loans | 0.2726% | 4,912 |
| Credit loss provision to net charge-offs | 95.4407% | 5,803 |
| Earnings coverage of net charge-offs (x) | 11.2128% | 1,611 |
| Efficiency ratio | 69.1013% | 4,806 |
| Assets per employee ($millions) | 2.6980% | 6,859 |
| Cash dividends to net income (ytd only)* | 32.5926% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 4,570 |
| Loan loss allowance to noncurrent loans | 244.7806% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 6,642 |
| Noncurrent loans to loans | 0.5451% | 6,151 |
| Net loans and leases to total assets | 50.3898% | 6,592 |
| Net loans and leases to deposits | 56.7486% | 6,874 |
| Net loans and leases to core deposits | 70.8895% | 6,716 |
| Total domestic deposits to total assets | 88.7948% | 1,576 |
| Equity capital to assets | 10.8881% | 2,783 |
| Core capital (leverage) ratio | 9.6566% | 3,514 |
| Tier 1 risk-based capital ratio | 15.1307% | 2,876 |
| Total risk-based capital ratio | 16.2126% | 2,910 |
| Memoranda: | ||
| Average total assets | $232,245,400 | 2,797 |
| Average earning assets | $213,787,600 | 2,782 |
| Average equity | $24,796,000 | 2,630 |
| Average total loans | $120,709,000 | 3,468 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9320% | 2,307 |
| Cost of funding earning assets | 1.1493% | 7,041 |
| Net interest margin | 4.7827% | 713 |
| Noninterest income to average assets | 0.7724% | 2,585 |
| Noninterest expense to average assets | 3.5787% | 2,071 |
| Loan and lease loss provision to assets | 0.1235% | 6,121 |
| Net operating income to assets | 1.4808% | 850 |
| Return on assets (ROA) | 1.4808% | 910 |
| Pretax return on assets | 1.4808% | 1,470 |
| Return on Equity (ROE) | 13.9405% | 948 |
| Retained earnings to average equity (ytd only) | 13.9405% | 198 |
| Net charge-offs to loans | 0.2853% | 4,246 |
| Credit loss provision to net charge-offs | 82.9457% | 5,683 |
| Earnings coverage of net charge-offs (x) | 10.7714% | 1,924 |
| Efficiency ratio | 69.0466% | 4,774 |
| Assets per employee ($millions) | 2.6556% | 6,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 4,296 |
| Loan loss allowance to noncurrent loans | 216.7804% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 6,602 |
| Noncurrent loans to loans | 0.6152% | 6,077 |
| Net loans and leases to total assets | 50.3070% | 6,758 |
| Net loans and leases to deposits | 57.1608% | 7,018 |
| Net loans and leases to core deposits | 71.2001% | 6,897 |
| Total domestic deposits to total assets | 88.0097% | 1,647 |
| Equity capital to assets | 11.2795% | 2,765 |
| Core capital (leverage) ratio | 9.8601% | 3,444 |
| Tier 1 risk-based capital ratio | 15.5299% | 2,812 |
| Total risk-based capital ratio | 16.6065% | 2,830 |
| Memoranda: | ||
| Average total assets | $230,950,500 | 2,834 |
| Average earning assets | $212,984,750 | 2,815 |
| Average equity | $24,532,250 | 2,687 |
| Average total loans | $120,572,250 | 3,498 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9946% | 2,202 |
| Cost of funding earning assets | 1.2053% | 7,090 |
| Net interest margin | 4.7893% | 664 |
| Noninterest income to average assets | 0.7755% | 2,549 |
| Noninterest expense to average assets | 3.6220% | 2,021 |
| Loan and lease loss provision to assets | 0.1861% | 5,165 |
| Net operating income to assets | 1.3893% | 1,046 |
| Return on assets (ROA) | 1.3893% | 1,121 |
| Pretax return on assets | 1.3893% | 1,755 |
| Return on Equity (ROE) | 13.3593% | 1,106 |
| Retained earnings to average equity (ytd only) | 13.3593% | 290 |
| Net charge-offs to loans | 0.2726% | 3,832 |
| Credit loss provision to net charge-offs | 129.6970% | 3,584 |
| Earnings coverage of net charge-offs (x) | 10.9818% | 1,944 |
| Efficiency ratio | 69.6889% | 4,846 |
| Assets per employee ($millions) | 2.5877% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 3,695 |
| Loan loss allowance to noncurrent loans | 187.9330% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 6,271 |
| Noncurrent loans to loans | 0.7478% | 5,745 |
| Net loans and leases to total assets | 50.6664% | 6,809 |
| Net loans and leases to deposits | 57.0382% | 7,091 |
| Net loans and leases to core deposits | 69.9442% | 7,018 |
| Total domestic deposits to total assets | 88.8289% | 1,362 |
| Equity capital to assets | 10.5266% | 3,369 |
| Core capital (leverage) ratio | 9.4905% | 3,902 |
| Tier 1 risk-based capital ratio | 14.8116% | 3,100 |
| Total risk-based capital ratio | 15.9464% | 3,086 |
| Memoranda: | ||
| Average total assets | $230,037,670 | 2,863 |
| Average earning assets | $212,391,330 | 2,835 |
| Average equity | $23,923,330 | 2,762 |
| Average total loans | $121,046,000 | 3,517 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0933% | 1,967 |
| Cost of funding earning assets | 1.3041% | 7,001 |
| Net interest margin | 4.7892% | 627 |
| Noninterest income to average assets | 0.7769% | 2,448 |
| Noninterest expense to average assets | 3.5694% | 1,933 |
| Loan and lease loss provision to assets | 0.1032% | 5,648 |
| Net operating income to assets | 1.5188% | 907 |
| Return on assets (ROA) | 1.5188% | 978 |
| Pretax return on assets | 1.5188% | 1,616 |
| Return on Equity (ROE) | 14.6951% | 1,035 |
| Retained earnings to average equity (ytd only) | 14.6951% | 448 |
| Net charge-offs to loans | 0.4600% | 2,295 |
| Credit loss provision to net charge-offs | 42.1429% | 4,792 |
| Earnings coverage of net charge-offs (x) | 6.6214% | 2,466 |
| Efficiency ratio | 68.7563% | 4,829 |
| Assets per employee ($millions) | 2.6205% | 7,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 4,208 |
| Loan loss allowance to noncurrent loans | 185.4241% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 6,056 |
| Noncurrent loans to loans | 0.6901% | 5,682 |
| Net loans and leases to total assets | 51.9219% | 6,690 |
| Net loans and leases to deposits | 58.3053% | 7,015 |
| Net loans and leases to core deposits | 71.5056% | 6,934 |
| Total domestic deposits to total assets | 89.0518% | 1,210 |
| Equity capital to assets | 10.4595% | 3,500 |
| Core capital (leverage) ratio | 9.2627% | 4,298 |
| Tier 1 risk-based capital ratio | 14.3411% | 3,405 |
| Total risk-based capital ratio | 15.3898% | 3,433 |
| Memoranda: | ||
| Average total assets | $228,608,500 | 2,885 |
| Average earning assets | $210,722,500 | 2,872 |
| Average equity | $23,627,000 | 2,809 |
| Average total loans | $121,728,000 | 3,518 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5651% | 2,646 |
| Cost of funding earning assets | 1.8548% | 6,856 |
| Net interest margin | 4.7103% | 951 |
| Noninterest income to average assets | 0.8440% | 2,271 |
| Noninterest expense to average assets | 3.3126% | 2,930 |
| Loan and lease loss provision to assets | 0.2230% | 4,656 |
| Net operating income to assets | 1.6603% | 730 |
| Return on assets (ROA) | 1.6611% | 697 |
| Pretax return on assets | 1.6611% | 1,237 |
| Return on Equity (ROE) | 18.7826% | 468 |
| Retained earnings to average equity (ytd only) | 18.7826% | 43 |
| Net charge-offs to loans | 0.1190% | 5,069 |
| Credit loss provision to net charge-offs | 356.3380% | 1,252 |
| Earnings coverage of net charge-offs (x) | 30.0915% | 1,172 |
| Efficiency ratio | 63.7543% | 5,615 |
| Assets per employee ($millions) | 2.5462% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 3,549 |
| Loan loss allowance to noncurrent loans | 193.0260% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 5,914 |
| Noncurrent loans to loans | 0.6925% | 5,307 |
| Net loans and leases to total assets | 53.1907% | 6,734 |
| Net loans and leases to deposits | 60.9761% | 7,017 |
| Net loans and leases to core deposits | 74.4129% | 6,946 |
| Total domestic deposits to total assets | 87.2320% | 1,822 |
| Equity capital to assets | 10.2086% | 3,796 |
| Core capital (leverage) ratio | 9.0309% | 4,696 |
| Tier 1 risk-based capital ratio | 13.7254% | 3,680 |
| Total risk-based capital ratio | 14.8265% | 3,678 |
| Memoranda: | ||
| Average total assets | $226,891,200 | 2,807 |
| Average earning assets | $209,623,800 | 2,776 |
| Average equity | $20,066,400 | 3,221 |
| Average total loans | $119,299,400 | 3,479 |