Home > Alliance Bank > Performance and Condition Ratios
Alliance Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0013% | 634 |
| Cost of funding earning assets | 1.6518% | 1,565 |
| Net interest margin | 4.3495% | 749 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.5724% | 2,092 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.3848% | 1,243 |
| Return on assets (ROA) | 1.3848% | 1,217 |
| Pretax return on assets | 1.7897% | 903 |
| Return on Equity (ROE) | 11.4300% | 2,117 |
| Retained earnings to average equity (ytd only) | 4.4738% | 2,805 |
| Net charge-offs to loans | 0.0140% | 2,131 |
| Credit loss provision to net charge-offs | 785.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 167.1000% | 664 |
| Efficiency ratio | 57.8030% | 3,316 |
| Assets per employee ($millions) | 5.5667% | 3,188 |
| Cash dividends to net income (ytd only)* | 60.8643% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,276 |
| Loan loss allowance to noncurrent loans | 854.2744% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 2,607 |
| Noncurrent loans to loans | 0.1675% | 2,681 |
| Net loans and leases to total assets | 80.5500% | 579 |
| Net loans and leases to deposits | 98.1122% | 646 |
| Net loans and leases to core deposits | 106.9046% | 1,072 |
| Total domestic deposits to total assets | 82.1000% | 3,112 |
| Equity capital to assets | 12.3001% | 1,037 |
| Core capital (leverage) ratio | 12.9372% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $355,931,800 | 2,172 |
| Average earning assets | $319,464,600 | 2,207 |
| Average equity | $43,117,600 | 1,783 |
| Average total loans | $285,483,600 | 1,848 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8110% | 675 |
| Cost of funding earning assets | 1.4605% | 1,705 |
| Net interest margin | 4.3505% | 751 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.6166% | 1,892 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.3569% | 1,410 |
| Return on assets (ROA) | 1.3569% | 1,385 |
| Pretax return on assets | 1.7526% | 1,079 |
| Return on Equity (ROE) | 11.2500% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.0469% | 3,248 |
| Net charge-offs to loans | 0.0189% | 1,749 |
| Credit loss provision to net charge-offs | 590.0000% | 565 |
| Earnings coverage of net charge-offs (x) | 121.9250% | 832 |
| Efficiency ratio | 58.6905% | 3,122 |
| Assets per employee ($millions) | 5.5998% | 3,101 |
| Cash dividends to net income (ytd only)* | 64.0134% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 1,357 |
| Loan loss allowance to noncurrent loans | 793.0451% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 2,597 |
| Noncurrent loans to loans | 0.1795% | 2,645 |
| Net loans and leases to total assets | 80.2600% | 607 |
| Net loans and leases to deposits | 99.1986% | 552 |
| Net loans and leases to core deposits | 105.5390% | 1,043 |
| Total domestic deposits to total assets | 80.9100% | 3,400 |
| Equity capital to assets | 12.0302% | 1,035 |
| Core capital (leverage) ratio | 13.2685% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $353,063,500 | 2,189 |
| Average earning assets | $317,044,000 | 2,221 |
| Average equity | $42,599,250 | 1,788 |
| Average total loans | $281,798,000 | 1,867 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6033% | 726 |
| Cost of funding earning assets | 1.2965% | 1,719 |
| Net interest margin | 4.3068% | 797 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.6678% | 1,728 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2890% | 1,596 |
| Return on assets (ROA) | 1.2890% | 1,582 |
| Pretax return on assets | 1.6610% | 1,292 |
| Return on Equity (ROE) | 10.6700% | 2,512 |
| Retained earnings to average equity (ytd only) | -0.2275% | 4,131 |
| Net charge-offs to loans | 0.0130% | 1,706 |
| Credit loss provision to net charge-offs | 877.7778% | 450 |
| Earnings coverage of net charge-offs (x) | 170.0000% | 689 |
| Efficiency ratio | 60.3678% | 2,918 |
| Assets per employee ($millions) | 5.2140% | 3,401 |
| Cash dividends to net income (ytd only)* | 102.1314% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,275 |
| Loan loss allowance to noncurrent loans | 758.1056% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 2,435 |
| Noncurrent loans to loans | 0.1941% | 2,494 |
| Net loans and leases to total assets | 81.0000% | 523 |
| Net loans and leases to deposits | 99.4392% | 545 |
| Net loans and leases to core deposits | 104.1359% | 1,046 |
| Total domestic deposits to total assets | 81.4600% | 3,347 |
| Equity capital to assets | 12.4495% | 942 |
| Core capital (leverage) ratio | 13.1687% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $349,423,333 | 2,208 |
| Average earning assets | $313,458,667 | 2,242 |
| Average equity | $42,203,000 | 1,808 |
| Average total loans | $276,946,667 | 1,876 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 735 |
| Cost of funding earning assets | 1.1728% | 1,526 |
| Net interest margin | 4.2182% | 921 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.7188% | 1,623 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1577% | 2,048 |
| Return on assets (ROA) | 1.1577% | 2,012 |
| Pretax return on assets | 1.5008% | 1,669 |
| Return on Equity (ROE) | 9.7300% | 2,866 |
| Retained earnings to average equity (ytd only) | -12.2339% | 4,514 |
| Net charge-offs to loans | 0.0365% | 1,003 |
| Credit loss provision to net charge-offs | 308.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 55.9200% | 1,057 |
| Efficiency ratio | 63.1232% | 2,550 |
| Assets per employee ($millions) | 5.1879% | 3,512 |
| Cash dividends to net income (ytd only)* | 225.7115% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,229 |
| Loan loss allowance to noncurrent loans | 936.7816% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 2,643 |
| Noncurrent loans to loans | 0.1611% | 2,679 |
| Net loans and leases to total assets | 75.4100% | 1,031 |
| Net loans and leases to deposits | 89.5214% | 1,088 |
| Net loans and leases to core deposits | 94.5288% | 1,358 |
| Total domestic deposits to total assets | 84.2300% | 3,049 |
| Equity capital to assets | 11.8952% | 1,029 |
| Core capital (leverage) ratio | 12.3678% | 1,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $352,072,000 | 2,223 |
| Average earning assets | $315,493,500 | 2,277 |
| Average equity | $41,883,500 | 1,843 |
| Average total loans | $273,964,000 | 1,911 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5494% | 660 |
| Cost of funding earning assets | 0.4792% | 1,536 |
| Net interest margin | 4.0701% | 700 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.6697% | 1,627 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1912% | 1,809 |
| Return on assets (ROA) | 1.1912% | 1,744 |
| Pretax return on assets | 1.5447% | 1,309 |
| Return on Equity (ROE) | 9.6500% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.6116% | 1,598 |
| Net charge-offs to loans | 0.0097% | 2,013 |
| Credit loss provision to net charge-offs | 496.1538% | 683 |
| Earnings coverage of net charge-offs (x) | 201.4615% | 644 |
| Efficiency ratio | 62.7666% | 2,660 |
| Assets per employee ($millions) | 5.4056% | 3,312 |
| Cash dividends to net income (ytd only)* | 10.7868% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,343 |
| Loan loss allowance to noncurrent loans | 242.6417% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 1,072 |
| Noncurrent loans to loans | 0.5968% | 1,260 |
| Net loans and leases to total assets | 77.9300% | 801 |
| Net loans and leases to deposits | 92.6091% | 882 |
| Net loans and leases to core deposits | 100.7373% | 962 |
| Total domestic deposits to total assets | 84.1500% | 3,170 |
| Equity capital to assets | 11.8973% | 965 |
| Core capital (leverage) ratio | 12.6931% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $330,748,000 | 2,297 |
| Average earning assets | $296,108,000 | 2,359 |
| Average equity | $40,817,000 | 1,893 |
| Average total loans | $268,869,000 | 1,859 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 648 |
| Cost of funding earning assets | 0.3280% | 1,880 |
| Net interest margin | 4.0257% | 613 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.7326% | 1,393 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1405% | 1,929 |
| Return on assets (ROA) | 1.1405% | 1,899 |
| Pretax return on assets | 1.4775% | 1,480 |
| Return on Equity (ROE) | 9.1500% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.8239% | 1,717 |
| Net charge-offs to loans | 0.0110% | 1,703 |
| Credit loss provision to net charge-offs | 227.2727% | 927 |
| Earnings coverage of net charge-offs (x) | 166.2727% | 706 |
| Efficiency ratio | 64.5920% | 2,470 |
| Assets per employee ($millions) | 4.9719% | 3,693 |
| Cash dividends to net income (ytd only)* | 3.5907% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,627 |
| Loan loss allowance to noncurrent loans | 808.8115% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 2,600 |
| Noncurrent loans to loans | 0.1723% | 2,733 |
| Net loans and leases to total assets | 82.5900% | 344 |
| Net loans and leases to deposits | 100.6270% | 342 |
| Net loans and leases to core deposits | 110.4124% | 457 |
| Total domestic deposits to total assets | 82.0800% | 3,830 |
| Equity capital to assets | 12.1054% | 864 |
| Core capital (leverage) ratio | 13.1006% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $325,594,000 | 2,341 |
| Average earning assets | $291,886,250 | 2,391 |
| Average equity | $40,570,500 | 1,925 |
| Average total loans | $266,628,000 | 1,870 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 657 |
| Cost of funding earning assets | 0.2714% | 2,008 |
| Net interest margin | 3.9118% | 592 |
| Noninterest income to average assets | 0.6073% | 1,709 |
| Noninterest expense to average assets | 2.7826% | 1,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0279% | 2,053 |
| Return on assets (ROA) | 1.0279% | 2,027 |
| Pretax return on assets | 1.3309% | 1,641 |
| Return on Equity (ROE) | 8.1678% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.1678% | 1,560 |
| Net charge-offs to loans | -0.0008% | 3,017 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6448% | 2,288 |
| Assets per employee ($millions) | 4.7889% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,510 |
| Loan loss allowance to noncurrent loans | 774.9012% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 2,622 |
| Noncurrent loans to loans | 0.1887% | 2,761 |
| Net loans and leases to total assets | 81.1298% | 336 |
| Net loans and leases to deposits | 99.4310% | 296 |
| Net loans and leases to core deposits | 104.0359% | 512 |
| Total domestic deposits to total assets | 81.5941% | 4,064 |
| Equity capital to assets | 12.4153% | 780 |
| Core capital (leverage) ratio | 13.1121% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,429,000 | 2,380 |
| Average earning assets | $288,105,333 | 2,442 |
| Average equity | $40,451,667 | 1,978 |
| Average total loans | $261,110,333 | 1,890 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 678 |
| Cost of funding earning assets | 0.2685% | 1,944 |
| Net interest margin | 3.7953% | 638 |
| Noninterest income to average assets | 0.5900% | 1,735 |
| Noninterest expense to average assets | 2.8235% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9019% | 2,262 |
| Return on assets (ROA) | 0.9019% | 2,262 |
| Pretax return on assets | 1.1662% | 1,930 |
| Return on Equity (ROE) | 7.1177% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.1177% | 1,853 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7692% | 2,124 |
| Assets per employee ($millions) | 4.9801% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 1,512 |
| Loan loss allowance to noncurrent loans | 752.5912% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 2,692 |
| Noncurrent loans to loans | 0.2011% | 2,819 |
| Net loans and leases to total assets | 77.6279% | 403 |
| Net loans and leases to deposits | 92.8217% | 405 |
| Net loans and leases to core deposits | 95.5271% | 674 |
| Total domestic deposits to total assets | 83.6312% | 3,843 |
| Equity capital to assets | 12.2628% | 870 |
| Core capital (leverage) ratio | 12.9151% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,320,500 | 2,398 |
| Average earning assets | $286,034,500 | 2,470 |
| Average equity | $40,462,500 | 2,034 |
| Average total loans | $257,607,000 | 1,898 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 795 |
| Cost of funding earning assets | 0.3214% | 2,183 |
| Net interest margin | 4.0192% | 682 |
| Noninterest income to average assets | 0.8235% | 1,397 |
| Noninterest expense to average assets | 2.8726% | 1,210 |
| Loan and lease loss provision to assets | 0.0390% | 2,261 |
| Net operating income to assets | 1.1682% | 2,030 |
| Return on assets (ROA) | 1.1680% | 2,090 |
| Pretax return on assets | 1.5157% | 1,668 |
| Return on Equity (ROE) | 9.2852% | 2,788 |
| Retained earnings to average equity (ytd only) | 9.2852% | 1,105 |
| Net charge-offs to loans | -0.0024% | 3,398 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8792% | 2,422 |
| Assets per employee ($millions) | 4.6262% | 4,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 1,451 |
| Loan loss allowance to noncurrent loans | 650.0829% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 2,588 |
| Noncurrent loans to loans | 0.2354% | 2,786 |
| Net loans and leases to total assets | 81.3734% | 206 |
| Net loans and leases to deposits | 98.4400% | 234 |
| Net loans and leases to core deposits | 104.0357% | 410 |
| Total domestic deposits to total assets | 82.6630% | 3,869 |
| Equity capital to assets | 13.1048% | 870 |
| Core capital (leverage) ratio | 13.0175% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $307,455,200 | 2,402 |
| Average earning assets | $275,698,800 | 2,453 |
| Average equity | $38,674,400 | 2,130 |
| Average total loans | $246,875,000 | 1,948 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 825 |
| Cost of funding earning assets | 0.3314% | 2,282 |
| Net interest margin | 4.0597% | 701 |
| Noninterest income to average assets | 0.8443% | 1,398 |
| Noninterest expense to average assets | 2.8332% | 1,268 |
| Loan and lease loss provision to assets | 0.0521% | 1,946 |
| Net operating income to assets | 1.2362% | 2,035 |
| Return on assets (ROA) | 1.2358% | 2,101 |
| Pretax return on assets | 1.6043% | 1,686 |
| Return on Equity (ROE) | 9.9295% | 2,761 |
| Retained earnings to average equity (ytd only) | 9.9295% | 1,340 |
| Net charge-offs to loans | -0.0027% | 3,275 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0988% | 2,523 |
| Assets per employee ($millions) | 4.4787% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,446 |
| Loan loss allowance to noncurrent loans | 630.0643% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 2,803 |
| Noncurrent loans to loans | 0.2469% | 2,948 |
| Net loans and leases to total assets | 79.0904% | 343 |
| Net loans and leases to deposits | 95.3186% | 366 |
| Net loans and leases to core deposits | 101.2152% | 545 |
| Total domestic deposits to total assets | 82.9748% | 3,713 |
| Equity capital to assets | 12.7849% | 1,058 |
| Core capital (leverage) ratio | 12.7694% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $306,830,250 | 2,430 |
| Average earning assets | $275,550,250 | 2,479 |
| Average equity | $38,188,250 | 2,177 |
| Average total loans | $244,558,500 | 1,987 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5925% | 637 |
| Cost of funding earning assets | 0.3386% | 2,417 |
| Net interest margin | 4.2539% | 532 |
| Noninterest income to average assets | 0.8871% | 1,306 |
| Noninterest expense to average assets | 2.9363% | 1,091 |
| Loan and lease loss provision to assets | 0.0788% | 1,531 |
| Net operating income to assets | 1.3019% | 1,866 |
| Return on assets (ROA) | 1.3014% | 1,934 |
| Pretax return on assets | 1.6907% | 1,502 |
| Return on Equity (ROE) | 10.5546% | 2,567 |
| Retained earnings to average equity (ytd only) | 10.5546% | 1,232 |
| Net charge-offs to loans | -0.0033% | 3,314 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3884% | 2,681 |
| Assets per employee ($millions) | 4.6285% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,224 |
| Loan loss allowance to noncurrent loans | 610.2804% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 2,930 |
| Noncurrent loans to loans | 0.2658% | 2,985 |
| Net loans and leases to total assets | 75.4908% | 639 |
| Net loans and leases to deposits | 90.3610% | 630 |
| Net loans and leases to core deposits | 95.9511% | 809 |
| Total domestic deposits to total assets | 83.5436% | 3,562 |
| Equity capital to assets | 12.2624% | 1,239 |
| Core capital (leverage) ratio | 12.3339% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,603,333 | 2,435 |
| Average earning assets | $273,487,333 | 2,486 |
| Average equity | $37,557,000 | 2,193 |
| Average total loans | $242,119,333 | 2,018 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9360% | 1,735 |
| Cost of funding earning assets | 0.3498% | 2,516 |
| Net interest margin | 3.5862% | 1,621 |
| Noninterest income to average assets | 0.9294% | 1,254 |
| Noninterest expense to average assets | 2.7669% | 1,447 |
| Loan and lease loss provision to assets | 0.1602% | 789 |
| Net operating income to assets | 0.9321% | 3,041 |
| Return on assets (ROA) | 0.9321% | 3,117 |
| Pretax return on assets | 1.2059% | 2,835 |
| Return on Equity (ROE) | 7.5381% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.5381% | 2,400 |
| Net charge-offs to loans | -0.0066% | 3,504 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9467% | 2,091 |
| Assets per employee ($millions) | 4.7806% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 1,152 |
| Loan loss allowance to noncurrent loans | 527.8976% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 2,944 |
| Noncurrent loans to loans | 0.3138% | 2,977 |
| Net loans and leases to total assets | 74.8265% | 732 |
| Net loans and leases to deposits | 89.2400% | 749 |
| Net loans and leases to core deposits | 96.3385% | 869 |
| Total domestic deposits to total assets | 83.8487% | 3,482 |
| Equity capital to assets | 12.0067% | 1,279 |
| Core capital (leverage) ratio | 12.3789% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $299,537,500 | 2,443 |
| Average earning assets | $267,578,500 | 2,504 |
| Average equity | $37,038,500 | 2,203 |
| Average total loans | $242,422,000 | 2,012 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 626 |
| Cost of funding earning assets | 0.6712% | 1,869 |
| Net interest margin | 4.2066% | 626 |
| Noninterest income to average assets | 0.8348% | 1,441 |
| Noninterest expense to average assets | 3.0753% | 1,281 |
| Loan and lease loss provision to assets | 0.1741% | 2,212 |
| Net operating income to assets | 1.0143% | 2,245 |
| Return on assets (ROA) | 1.0143% | 2,384 |
| Pretax return on assets | 1.3128% | 1,931 |
| Return on Equity (ROE) | 7.9817% | 2,828 |
| Retained earnings to average equity (ytd only) | 5.9128% | 1,835 |
| Net charge-offs to loans | 0.0815% | 1,661 |
| Credit loss provision to net charge-offs | 255.3191% | 1,912 |
| Earnings coverage of net charge-offs (x) | 21.8085% | 1,879 |
| Efficiency ratio | 67.4086% | 2,311 |
| Assets per employee ($millions) | 4.2403% | 4,183 |
| Cash dividends to net income (ytd only)* | 25.9206% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 1,492 |
| Loan loss allowance to noncurrent loans | 471.3043% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 2,900 |
| Noncurrent loans to loans | 0.3241% | 3,041 |
| Net loans and leases to total assets | 84.8376% | 141 |
| Net loans and leases to deposits | 103.1947% | 276 |
| Net loans and leases to core deposits | 112.3012% | 450 |
| Total domestic deposits to total assets | 82.2112% | 3,620 |
| Equity capital to assets | 12.7517% | 1,200 |
| Core capital (leverage) ratio | 12.4682% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,746,400 | 2,427 |
| Average earning assets | $244,328,200 | 2,496 |
| Average equity | $35,042,600 | 2,233 |
| Average total loans | $230,776,000 | 2,031 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 586 |
| Cost of funding earning assets | 0.7494% | 1,751 |
| Net interest margin | 4.2674% | 631 |
| Noninterest income to average assets | 0.7953% | 1,514 |
| Noninterest expense to average assets | 3.0427% | 1,348 |
| Loan and lease loss provision to assets | 0.1761% | 2,222 |
| Net operating income to assets | 1.0491% | 2,148 |
| Return on assets (ROA) | 1.0491% | 2,280 |
| Pretax return on assets | 1.3617% | 1,845 |
| Return on Equity (ROE) | 8.2630% | 2,703 |
| Retained earnings to average equity (ytd only) | 5.4701% | 2,338 |
| Net charge-offs to loans | 0.1119% | 1,228 |
| Credit loss provision to net charge-offs | 189.4737% | 2,150 |
| Earnings coverage of net charge-offs (x) | 16.5474% | 2,054 |
| Efficiency ratio | 66.4282% | 2,411 |
| Assets per employee ($millions) | 4.4113% | 3,942 |
| Cash dividends to net income (ytd only)* | 33.7995% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 1,561 |
| Loan loss allowance to noncurrent loans | 530.4913% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,047 |
| Noncurrent loans to loans | 0.2722% | 3,318 |
| Net loans and leases to total assets | 83.5390% | 320 |
| Net loans and leases to deposits | 106.0815% | 321 |
| Net loans and leases to core deposits | 111.2951% | 659 |
| Total domestic deposits to total assets | 78.7499% | 4,094 |
| Equity capital to assets | 11.8449% | 1,770 |
| Core capital (leverage) ratio | 12.1030% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,598,250 | 2,419 |
| Average earning assets | $241,796,250 | 2,502 |
| Average equity | $34,611,250 | 2,243 |
| Average total loans | $226,366,500 | 2,054 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4265% | 382 |
| Cost of funding earning assets | 0.8789% | 1,464 |
| Net interest margin | 4.5476% | 457 |
| Noninterest income to average assets | 0.7917% | 1,458 |
| Noninterest expense to average assets | 3.2588% | 1,063 |
| Loan and lease loss provision to assets | 0.1822% | 2,198 |
| Net operating income to assets | 1.0506% | 2,144 |
| Return on assets (ROA) | 1.0506% | 2,281 |
| Pretax return on assets | 1.3648% | 1,818 |
| Return on Equity (ROE) | 8.0689% | 2,719 |
| Retained earnings to average equity (ytd only) | 3.8420% | 2,989 |
| Net charge-offs to loans | 0.0028% | 2,896 |
| Credit loss provision to net charge-offs | 8,000.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 679.3333% | 146 |
| Efficiency ratio | 67.8092% | 2,262 |
| Assets per employee ($millions) | 4.2150% | 4,089 |
| Cash dividends to net income (ytd only)* | 52.3844% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,053 |
| Loan loss allowance to noncurrent loans | 399.4658% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 2,769 |
| Noncurrent loans to loans | 0.3961% | 2,984 |
| Net loans and leases to total assets | 82.3474% | 390 |
| Net loans and leases to deposits | 103.5705% | 393 |
| Net loans and leases to core deposits | 106.5613% | 874 |
| Total domestic deposits to total assets | 79.5086% | 3,938 |
| Equity capital to assets | 12.3195% | 1,469 |
| Core capital (leverage) ratio | 12.1324% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,474,333 | 2,456 |
| Average earning assets | $232,561,333 | 2,535 |
| Average equity | $34,304,667 | 2,248 |
| Average total loans | $217,067,667 | 2,109 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 724 |
| Cost of funding earning assets | 1.1125% | 1,011 |
| Net interest margin | 4.0355% | 1,300 |
| Noninterest income to average assets | 0.7197% | 1,569 |
| Noninterest expense to average assets | 2.9369% | 2,033 |
| Loan and lease loss provision to assets | 0.1890% | 1,581 |
| Net operating income to assets | 0.8724% | 2,606 |
| Return on assets (ROA) | 0.8724% | 2,712 |
| Pretax return on assets | 1.1354% | 2,413 |
| Return on Equity (ROE) | 6.5059% | 3,132 |
| Retained earnings to average equity (ytd only) | -2.0081% | 4,254 |
| Net charge-offs to loans | -0.0019% | 3,646 |
| Credit loss provision to net charge-offs | -12,000.0000% | 3,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9209% | 2,517 |
| Assets per employee ($millions) | 3.8615% | 4,101 |
| Cash dividends to net income (ytd only)* | 130.8664% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7652% | 761 |
| Loan loss allowance to noncurrent loans | 270.5751% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5254% | 2,417 |
| Noncurrent loans to loans | 0.6524% | 2,359 |
| Net loans and leases to total assets | 79.1123% | 806 |
| Net loans and leases to deposits | 103.3370% | 395 |
| Net loans and leases to core deposits | 105.7966% | 1,072 |
| Total domestic deposits to total assets | 76.5575% | 4,419 |
| Equity capital to assets | 13.3219% | 1,297 |
| Core capital (leverage) ratio | 12.6592% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,008,500 | 2,474 |
| Average earning assets | $222,919,000 | 2,548 |
| Average equity | $34,061,500 | 2,241 |
| Average total loans | $207,455,000 | 2,131 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 1,122 |
| Cost of funding earning assets | 1.2803% | 814 |
| Net interest margin | 3.8639% | 2,292 |
| Noninterest income to average assets | 0.6851% | 1,865 |
| Noninterest expense to average assets | 2.7618% | 2,714 |
| Loan and lease loss provision to assets | 0.1881% | 1,093 |
| Net operating income to assets | 0.8889% | 3,254 |
| Return on assets (ROA) | 0.8889% | 3,342 |
| Pretax return on assets | 1.1640% | 2,972 |
| Return on Equity (ROE) | 6.8576% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.4275% | 2,208 |
| Net charge-offs to loans | 0.0155% | 3,163 |
| Credit loss provision to net charge-offs | 1,500.0000% | 236 |
| Earnings coverage of net charge-offs (x) | 107.8125% | 642 |
| Efficiency ratio | 67.1335% | 2,599 |
| Assets per employee ($millions) | 3.7229% | 4,243 |
| Cash dividends to net income (ytd only)* | 20.8554% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 849 |
| Loan loss allowance to noncurrent loans | 269.3846% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 2,363 |
| Noncurrent loans to loans | 0.6200% | 2,338 |
| Net loans and leases to total assets | 81.4354% | 627 |
| Net loans and leases to deposits | 105.0834% | 332 |
| Net loans and leases to core deposits | 108.0299% | 973 |
| Total domestic deposits to total assets | 77.4960% | 4,432 |
| Equity capital to assets | 13.4978% | 1,275 |
| Core capital (leverage) ratio | 12.9904% | 1,237 |
| Tier 1 risk-based capital ratio | 14.5389% | 2,998 |
| Total risk-based capital ratio | 15.7917% | 2,905 |
| Memoranda: | ||
| Average total assets | $255,155,200 | 2,427 |
| Average earning assets | $226,430,800 | 2,487 |
| Average equity | $33,072,600 | 2,235 |
| Average total loans | $206,195,200 | 2,120 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0759% | 1,343 |
| Cost of funding earning assets | 1.2740% | 849 |
| Net interest margin | 3.8020% | 2,588 |
| Noninterest income to average assets | 0.6952% | 1,808 |
| Noninterest expense to average assets | 2.7813% | 2,621 |
| Loan and lease loss provision to assets | 0.1877% | 961 |
| Net operating income to assets | 0.8485% | 3,522 |
| Return on assets (ROA) | 0.8485% | 3,603 |
| Pretax return on assets | 1.1098% | 3,266 |
| Return on Equity (ROE) | 6.6141% | 3,837 |
| Retained earnings to average equity (ytd only) | 4.9798% | 2,899 |
| Net charge-offs to loans | 0.0104% | 2,997 |
| Credit loss provision to net charge-offs | 2,250.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 155.5204% | 528 |
| Efficiency ratio | 68.1882% | 2,381 |
| Assets per employee ($millions) | 4.0742% | 3,798 |
| Cash dividends to net income (ytd only)* | 24.7082% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 1,125 |
| Loan loss allowance to noncurrent loans | 274.4750% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 2,695 |
| Noncurrent loans to loans | 0.5636% | 2,607 |
| Net loans and leases to total assets | 79.2248% | 961 |
| Net loans and leases to deposits | 98.6714% | 753 |
| Net loans and leases to core deposits | 101.5376% | 1,542 |
| Total domestic deposits to total assets | 80.2915% | 3,925 |
| Equity capital to assets | 12.3114% | 2,034 |
| Core capital (leverage) ratio | 12.4026% | 1,624 |
| Tier 1 risk-based capital ratio | 13.8167% | 3,414 |
| Total risk-based capital ratio | 15.0684% | 3,326 |
| Memoranda: | ||
| Average total assets | $255,654,250 | 2,442 |
| Average earning assets | $227,526,500 | 2,506 |
| Average equity | $32,798,000 | 2,267 |
| Average total loans | $205,328,250 | 2,144 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 1,581 |
| Cost of funding earning assets | 1.2015% | 991 |
| Net interest margin | 3.7604% | 2,714 |
| Noninterest income to average assets | 0.6283% | 2,029 |
| Noninterest expense to average assets | 2.8454% | 2,428 |
| Loan and lease loss provision to assets | 0.1921% | 912 |
| Net operating income to assets | 0.7171% | 3,948 |
| Return on assets (ROA) | 0.7171% | 4,006 |
| Pretax return on assets | 0.9324% | 3,760 |
| Return on Equity (ROE) | 5.5090% | 4,201 |
| Retained earnings to average equity (ytd only) | 3.0374% | 3,702 |
| Net charge-offs to loans | 0.0130% | 2,668 |
| Credit loss provision to net charge-offs | 1,846.1538% | 206 |
| Earnings coverage of net charge-offs (x) | 108.0769% | 658 |
| Efficiency ratio | 71.6734% | 1,969 |
| Assets per employee ($millions) | 3.8168% | 4,098 |
| Cash dividends to net income (ytd only)* | 44.8661% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 1,132 |
| Loan loss allowance to noncurrent loans | 241.1765% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 2,437 |
| Noncurrent loans to loans | 0.6440% | 2,331 |
| Net loans and leases to total assets | 78.9440% | 1,049 |
| Net loans and leases to deposits | 100.4406% | 640 |
| Net loans and leases to core deposits | 105.0911% | 1,297 |
| Total domestic deposits to total assets | 78.5977% | 4,300 |
| Equity capital to assets | 12.4951% | 1,860 |
| Core capital (leverage) ratio | 13.2671% | 1,196 |
| Tier 1 risk-based capital ratio | 14.2043% | 3,207 |
| Total risk-based capital ratio | 15.4561% | 3,121 |
| Memoranda: | ||
| Average total assets | $249,881,000 | 2,491 |
| Average earning assets | $222,053,000 | 2,553 |
| Average equity | $32,528,330 | 2,272 |
| Average total loans | $200,550,670 | 2,183 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 1,765 |
| Cost of funding earning assets | 1.1794% | 956 |
| Net interest margin | 3.6720% | 2,999 |
| Noninterest income to average assets | 0.5511% | 2,284 |
| Noninterest expense to average assets | 2.8378% | 2,450 |
| Loan and lease loss provision to assets | 0.1974% | 819 |
| Net operating income to assets | 0.5922% | 4,271 |
| Return on assets (ROA) | 0.5922% | 4,302 |
| Pretax return on assets | 0.7633% | 4,139 |
| Return on Equity (ROE) | 4.4528% | 4,485 |
| Retained earnings to average equity (ytd only) | 1.9790% | 4,072 |
| Net charge-offs to loans | 0.0061% | 2,477 |
| Credit loss provision to net charge-offs | 4,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 194.6667% | 399 |
| Efficiency ratio | 74.7077% | 1,649 |
| Assets per employee ($millions) | 3.6912% | 4,353 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 993 |
| Loan loss allowance to noncurrent loans | 184.8397% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.7744% | 1,820 |
| Noncurrent loans to loans | 0.8870% | 1,880 |
| Net loans and leases to total assets | 79.2624% | 949 |
| Net loans and leases to deposits | 95.3281% | 1,031 |
| Net loans and leases to core deposits | 101.3726% | 1,510 |
| Total domestic deposits to total assets | 83.1470% | 3,333 |
| Equity capital to assets | 13.5279% | 1,199 |
| Core capital (leverage) ratio | 13.4986% | 1,091 |
| Tier 1 risk-based capital ratio | 15.2649% | 2,765 |
| Total risk-based capital ratio | 16.5176% | 2,673 |
| Memoranda: | ||
| Average total assets | $243,142,000 | 2,564 |
| Average earning assets | $215,030,500 | 2,625 |
| Average equity | $32,339,000 | 2,283 |
| Average total loans | $195,233,000 | 2,246 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 1,278 |
| Cost of funding earning assets | 0.9059% | 1,065 |
| Net interest margin | 3.9972% | 1,994 |
| Noninterest income to average assets | 0.6850% | 1,908 |
| Noninterest expense to average assets | 2.9126% | 2,310 |
| Loan and lease loss provision to assets | 0.2336% | 762 |
| Net operating income to assets | 0.8266% | 3,706 |
| Return on assets (ROA) | 0.8291% | 3,694 |
| Pretax return on assets | 1.0719% | 3,368 |
| Return on Equity (ROE) | 6.0179% | 4,172 |
| Retained earnings to average equity (ytd only) | 3.1385% | 3,821 |
| Net charge-offs to loans | -0.0309% | 4,824 |
| Credit loss provision to net charge-offs | -913.7931% | 4,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0997% | 2,367 |
| Assets per employee ($millions) | 3.7901% | 4,194 |
| Cash dividends to net income (ytd only)* | 47.8469% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5488% | 1,153 |
| Loan loss allowance to noncurrent loans | 154.1141% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 1,622 |
| Noncurrent loans to loans | 1.0050% | 1,619 |
| Net loans and leases to total assets | 78.7763% | 1,142 |
| Net loans and leases to deposits | 94.0626% | 1,271 |
| Net loans and leases to core deposits | 103.9837% | 1,417 |
| Total domestic deposits to total assets | 83.7488% | 3,067 |
| Equity capital to assets | 13.0790% | 1,309 |
| Core capital (leverage) ratio | 13.0476% | 1,227 |
| Tier 1 risk-based capital ratio | 14.9142% | 2,867 |
| Total risk-based capital ratio | 16.1659% | 2,798 |
| Memoranda: | ||
| Average total assets | $226,877,000 | 2,636 |
| Average earning assets | $200,364,000 | 2,717 |
| Average equity | $31,256,600 | 2,267 |
| Average total loans | $187,812,400 | 2,270 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 1,278 |
| Cost of funding earning assets | 0.7967% | 1,357 |
| Net interest margin | 4.0631% | 1,749 |
| Noninterest income to average assets | 0.7009% | 1,858 |
| Noninterest expense to average assets | 2.9001% | 2,304 |
| Loan and lease loss provision to assets | 0.2642% | 580 |
| Net operating income to assets | 0.8732% | 3,648 |
| Return on assets (ROA) | 0.8732% | 3,652 |
| Pretax return on assets | 1.1291% | 3,280 |
| Return on Equity (ROE) | 6.2505% | 4,189 |
| Retained earnings to average equity (ytd only) | 2.3816% | 4,446 |
| Net charge-offs to loans | -0.0460% | 4,902 |
| Credit loss provision to net charge-offs | -687.5000% | 4,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5479% | 2,619 |
| Assets per employee ($millions) | 3.6991% | 4,311 |
| Cash dividends to net income (ytd only)* | 61.8982% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 1,355 |
| Loan loss allowance to noncurrent loans | 212.2945% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 2,214 |
| Noncurrent loans to loans | 0.7054% | 2,311 |
| Net loans and leases to total assets | 82.5239% | 628 |
| Net loans and leases to deposits | 100.5238% | 736 |
| Net loans and leases to core deposits | 111.1207% | 962 |
| Total domestic deposits to total assets | 82.0939% | 3,582 |
| Equity capital to assets | 13.4151% | 1,166 |
| Core capital (leverage) ratio | 13.6644% | 1,040 |
| Tier 1 risk-based capital ratio | 14.4077% | 3,163 |
| Total risk-based capital ratio | 15.6585% | 3,082 |
| Memoranda: | ||
| Average total assets | $222,007,000 | 2,697 |
| Average earning assets | $196,300,750 | 2,771 |
| Average equity | $31,015,500 | 2,280 |
| Average total loans | $185,484,500 | 2,300 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 1,200 |
| Cost of funding earning assets | 0.7171% | 1,535 |
| Net interest margin | 4.1012% | 1,556 |
| Noninterest income to average assets | 0.7195% | 1,795 |
| Noninterest expense to average assets | 2.9434% | 2,216 |
| Loan and lease loss provision to assets | 0.1658% | 1,110 |
| Net operating income to assets | 0.9526% | 3,222 |
| Return on assets (ROA) | 0.9526% | 3,231 |
| Pretax return on assets | 1.2354% | 2,790 |
| Return on Equity (ROE) | 6.7213% | 3,983 |
| Retained earnings to average equity (ytd only) | 2.0086% | 4,454 |
| Net charge-offs to loans | -0.0850% | 5,109 |
| Credit loss provision to net charge-offs | -233.7662% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7481% | 2,688 |
| Assets per employee ($millions) | 3.6976% | 4,352 |
| Cash dividends to net income (ytd only)* | 70.1161% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,613 |
| Loan loss allowance to noncurrent loans | 444.2088% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.3906% | 3,178 |
| Noncurrent loans to loans | 0.3236% | 3,546 |
| Net loans and leases to total assets | 82.7796% | 612 |
| Net loans and leases to deposits | 98.5324% | 925 |
| Net loans and leases to core deposits | 107.6008% | 1,145 |
| Total domestic deposits to total assets | 84.0126% | 3,061 |
| Equity capital to assets | 13.7418% | 1,015 |
| Core capital (leverage) ratio | 14.0825% | 891 |
| Tier 1 risk-based capital ratio | 14.7608% | 2,985 |
| Total risk-based capital ratio | 16.0113% | 2,915 |
| Memoranda: | ||
| Average total assets | $217,095,670 | 2,750 |
| Average earning assets | $191,894,000 | 2,835 |
| Average equity | $30,767,670 | 2,300 |
| Average total loans | $181,200,000 | 2,347 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 1,026 |
| Cost of funding earning assets | 0.6701% | 1,600 |
| Net interest margin | 4.1528% | 1,290 |
| Noninterest income to average assets | 0.7272% | 1,713 |
| Noninterest expense to average assets | 2.8562% | 2,509 |
| Loan and lease loss provision to assets | 0.1691% | 1,051 |
| Net operating income to assets | 1.0467% | 2,663 |
| Return on assets (ROA) | 1.0467% | 2,679 |
| Pretax return on assets | 1.3586% | 2,152 |
| Return on Equity (ROE) | 7.2682% | 3,675 |
| Retained earnings to average equity (ytd only) | -2.1922% | 5,027 |
| Net charge-offs to loans | -0.1717% | 5,347 |
| Credit loss provision to net charge-offs | -118.4211% | 3,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1522% | 3,296 |
| Assets per employee ($millions) | 3.5713% | 4,583 |
| Cash dividends to net income (ytd only)* | 130.1616% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 1,614 |
| Loan loss allowance to noncurrent loans | 415.6398% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 3,111 |
| Noncurrent loans to loans | 0.3514% | 3,514 |
| Net loans and leases to total assets | 82.8459% | 555 |
| Net loans and leases to deposits | 97.0962% | 934 |
| Net loans and leases to core deposits | 117.3207% | 678 |
| Total domestic deposits to total assets | 85.3235% | 2,819 |
| Equity capital to assets | 14.2476% | 826 |
| Core capital (leverage) ratio | 14.6125% | 740 |
| Tier 1 risk-based capital ratio | 13.7638% | 3,512 |
| Total risk-based capital ratio | 14.9494% | 3,453 |
| Memoranda: | ||
| Average total assets | $212,867,500 | 2,812 |
| Average earning assets | $187,441,000 | 2,916 |
| Average equity | $30,654,000 | 2,324 |
| Average total loans | $177,083,000 | 2,390 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 1,686 |
| Cost of funding earning assets | 0.5319% | 2,092 |
| Net interest margin | 3.9751% | 1,827 |
| Noninterest income to average assets | 0.6839% | 2,036 |
| Noninterest expense to average assets | 2.9777% | 2,224 |
| Loan and lease loss provision to assets | 0.1812% | 1,184 |
| Net operating income to assets | 0.5994% | 4,014 |
| Return on assets (ROA) | 0.5994% | 4,055 |
| Pretax return on assets | 1.0493% | 3,385 |
| Return on Equity (ROE) | 3.9323% | 4,524 |
| Retained earnings to average equity (ytd only) | 3.4800% | 3,196 |
| Net charge-offs to loans | 0.1812% | 1,384 |
| Credit loss provision to net charge-offs | 121.2121% | 2,154 |
| Earnings coverage of net charge-offs (x) | 8.2323% | 2,936 |
| Efficiency ratio | 70.7606% | 2,435 |
| Assets per employee ($millions) | 3.5841% | 4,597 |
| Cash dividends to net income (ytd only)* | 11.5029% | 3,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 1,699 |
| Loan loss allowance to noncurrent loans | 257.9498% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7065% | 2,207 |
| Noncurrent loans to loans | 0.5494% | 2,851 |
| Net loans and leases to total assets | 81.1269% | 814 |
| Net loans and leases to deposits | 104.2287% | 483 |
| Net loans and leases to core deposits | 125.6094% | 446 |
| Total domestic deposits to total assets | 77.8355% | 4,738 |
| Equity capital to assets | 14.5555% | 767 |
| Core capital (leverage) ratio | 15.0105% | 616 |
| Tier 1 risk-based capital ratio | 14.2473% | 3,227 |
| Total risk-based capital ratio | 15.3913% | 3,187 |
| Memoranda: | ||
| Average total assets | $198,708,000 | 2,936 |
| Average earning assets | $176,170,400 | 2,999 |
| Average equity | $30,287,600 | 2,339 |
| Average total loans | $163,945,000 | 2,496 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 1,807 |
| Cost of funding earning assets | 0.5116% | 2,172 |
| Net interest margin | 3.9338% | 1,922 |
| Noninterest income to average assets | 0.6983% | 2,009 |
| Noninterest expense to average assets | 2.9971% | 2,114 |
| Loan and lease loss provision to assets | 0.1841% | 1,073 |
| Net operating income to assets | 0.6901% | 4,024 |
| Return on assets (ROA) | 0.6901% | 4,093 |
| Pretax return on assets | 1.0195% | 3,610 |
| Return on Equity (ROE) | 4.4731% | 4,723 |
| Retained earnings to average equity (ytd only) | 3.8676% | 3,621 |
| Net charge-offs to loans | 0.2387% | 892 |
| Credit loss provision to net charge-offs | 93.4256% | 2,415 |
| Earnings coverage of net charge-offs (x) | 6.1073% | 3,017 |
| Efficiency ratio | 71.3474% | 2,313 |
| Assets per employee ($millions) | 3.5184% | 4,707 |
| Cash dividends to net income (ytd only)* | 13.5374% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 1,850 |
| Loan loss allowance to noncurrent loans | 260.6557% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 2,668 |
| Noncurrent loans to loans | 0.5401% | 3,083 |
| Net loans and leases to total assets | 81.8556% | 716 |
| Net loans and leases to deposits | 103.2922% | 534 |
| Net loans and leases to core deposits | 126.6662% | 394 |
| Total domestic deposits to total assets | 79.2466% | 4,486 |
| Equity capital to assets | 15.0126% | 727 |
| Core capital (leverage) ratio | 15.4976% | 578 |
| Tier 1 risk-based capital ratio | 14.7514% | 3,036 |
| Total risk-based capital ratio | 15.9037% | 3,017 |
| Memoranda: | ||
| Average total assets | $195,520,000 | 2,993 |
| Average earning assets | $174,078,500 | 3,049 |
| Average equity | $30,164,750 | 2,365 |
| Average total loans | $161,427,000 | 2,544 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 1,888 |
| Cost of funding earning assets | 0.4893% | 2,259 |
| Net interest margin | 3.8878% | 1,980 |
| Noninterest income to average assets | 0.6913% | 2,025 |
| Noninterest expense to average assets | 3.0466% | 1,986 |
| Loan and lease loss provision to assets | 0.1868% | 1,011 |
| Net operating income to assets | 0.6239% | 4,187 |
| Return on assets (ROA) | 0.6239% | 4,239 |
| Pretax return on assets | 0.9218% | 3,862 |
| Return on Equity (ROE) | 4.0056% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.0056% | 3,325 |
| Net charge-offs to loans | 0.0239% | 2,739 |
| Credit loss provision to net charge-offs | 947.3684% | 402 |
| Earnings coverage of net charge-offs (x) | 56.2105% | 992 |
| Efficiency ratio | 73.3200% | 2,123 |
| Assets per employee ($millions) | 3.5254% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 1,262 |
| Loan loss allowance to noncurrent loans | 202.2082% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 1.0191% | 1,716 |
| Noncurrent loans to loans | 0.7896% | 2,430 |
| Net loans and leases to total assets | 81.5019% | 745 |
| Net loans and leases to deposits | 99.3231% | 787 |
| Net loans and leases to core deposits | 118.4155% | 620 |
| Total domestic deposits to total assets | 82.0574% | 3,870 |
| Equity capital to assets | 15.5955% | 591 |
| Core capital (leverage) ratio | 15.7509% | 512 |
| Tier 1 risk-based capital ratio | 12.3544% | 4,385 |
| Total risk-based capital ratio | 13.4060% | 4,405 |
| Memoranda: | ||
| Average total assets | $192,670,670 | 3,035 |
| Average earning assets | $171,663,670 | 3,088 |
| Average equity | $30,007,670 | 2,369 |
| Average total loans | $158,760,670 | 2,581 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 1,995 |
| Cost of funding earning assets | 0.4708% | 2,345 |
| Net interest margin | 3.8156% | 2,065 |
| Noninterest income to average assets | 0.6227% | 2,307 |
| Noninterest expense to average assets | 2.8970% | 2,462 |
| Loan and lease loss provision to assets | 0.1874% | 902 |
| Net operating income to assets | 0.6415% | 3,970 |
| Return on assets (ROA) | 0.6415% | 4,007 |
| Pretax return on assets | 0.9476% | 3,598 |
| Return on Equity (ROE) | 4.1215% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.1215% | 3,399 |
| Net charge-offs to loans | -0.0051% | 4,189 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8492% | 2,603 |
| Assets per employee ($millions) | 3.4248% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6264% | 1,315 |
| Loan loss allowance to noncurrent loans | 123.5265% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 1.0527% | 1,719 |
| Noncurrent loans to loans | 1.3166% | 1,537 |
| Net loans and leases to total assets | 78.6568% | 1,036 |
| Net loans and leases to deposits | 93.4822% | 1,166 |
| Net loans and leases to core deposits | 110.5748% | 854 |
| Total domestic deposits to total assets | 84.1409% | 3,425 |
| Equity capital to assets | 15.6719% | 548 |
| Core capital (leverage) ratio | 15.8127% | 485 |
| Tier 1 risk-based capital ratio | 12.9014% | 4,145 |
| Total risk-based capital ratio | 13.9752% | 4,144 |
| Memoranda: | ||
| Average total assets | $192,058,000 | 3,071 |
| Average earning assets | $171,611,500 | 3,113 |
| Average equity | $29,892,000 | 2,387 |
| Average total loans | $157,844,500 | 2,607 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4900% | 1,563 |
| Cost of funding earning assets | 0.3733% | 3,283 |
| Net interest margin | 4.1167% | 1,342 |
| Noninterest income to average assets | 0.7316% | 2,030 |
| Noninterest expense to average assets | 2.9622% | 2,459 |
| Loan and lease loss provision to assets | 0.1644% | 1,502 |
| Net operating income to assets | 0.8791% | 2,934 |
| Return on assets (ROA) | 0.8791% | 3,051 |
| Pretax return on assets | 1.3219% | 2,207 |
| Return on Equity (ROE) | 5.5754% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.5754% | 1,969 |
| Net charge-offs to loans | 0.0667% | 2,740 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 27.1200% | 1,523 |
| Efficiency ratio | 66.5886% | 3,499 |
| Assets per employee ($millions) | 3.4969% | 4,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 1,753 |
| Loan loss allowance to noncurrent loans | 138.8215% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 2,109 |
| Noncurrent loans to loans | 1.0663% | 1,942 |
| Net loans and leases to total assets | 83.1589% | 466 |
| Net loans and leases to deposits | 99.1452% | 733 |
| Net loans and leases to core deposits | 115.9199% | 619 |
| Total domestic deposits to total assets | 83.8759% | 3,468 |
| Equity capital to assets | 15.4565% | 571 |
| Core capital (leverage) ratio | 15.2412% | 572 |
| Tier 1 risk-based capital ratio | 17.6749% | 1,955 |
| Total risk-based capital ratio | 18.9270% | 1,916 |
| Memoranda: | ||
| Average total assets | $182,467,200 | 3,140 |
| Average earning assets | $164,745,600 | 3,174 |
| Average equity | $28,769,000 | 2,469 |
| Average total loans | $149,890,200 | 2,646 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 1,623 |
| Cost of funding earning assets | 0.3388% | 3,667 |
| Net interest margin | 4.1364% | 1,286 |
| Noninterest income to average assets | 0.7407% | 2,006 |
| Noninterest expense to average assets | 2.8362% | 2,885 |
| Loan and lease loss provision to assets | 0.1555% | 1,495 |
| Net operating income to assets | 0.9866% | 2,492 |
| Return on assets (ROA) | 0.9866% | 2,628 |
| Pretax return on assets | 1.4925% | 1,730 |
| Return on Equity (ROE) | 6.2250% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.2250% | 2,051 |
| Net charge-offs to loans | 0.0917% | 2,039 |
| Credit loss provision to net charge-offs | 207.9208% | 1,405 |
| Earnings coverage of net charge-offs (x) | 22.0302% | 1,786 |
| Efficiency ratio | 63.2474% | 4,031 |
| Assets per employee ($millions) | 3.6989% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 1,946 |
| Loan loss allowance to noncurrent loans | 357.3416% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 4,078 |
| Noncurrent loans to loans | 0.4078% | 3,814 |
| Net loans and leases to total assets | 79.7490% | 924 |
| Net loans and leases to deposits | 95.9112% | 1,060 |
| Net loans and leases to core deposits | 117.5860% | 590 |
| Total domestic deposits to total assets | 83.1488% | 3,527 |
| Equity capital to assets | 15.0755% | 724 |
| Core capital (leverage) ratio | 15.6046% | 542 |
| Tier 1 risk-based capital ratio | 17.7641% | 1,986 |
| Total risk-based capital ratio | 19.0155% | 1,945 |
| Memoranda: | ||
| Average total assets | $180,002,250 | 3,179 |
| Average earning assets | $162,907,750 | 3,206 |
| Average equity | $28,529,500 | 2,495 |
| Average total loans | $146,777,750 | 2,689 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 1,694 |
| Cost of funding earning assets | 0.3058% | 4,058 |
| Net interest margin | 4.1390% | 1,262 |
| Noninterest income to average assets | 0.7546% | 1,909 |
| Noninterest expense to average assets | 2.7815% | 3,084 |
| Loan and lease loss provision to assets | 0.1374% | 1,650 |
| Net operating income to assets | 1.0558% | 2,147 |
| Return on assets (ROA) | 1.0558% | 2,269 |
| Pretax return on assets | 1.6020% | 1,371 |
| Return on Equity (ROE) | 6.5418% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.5418% | 1,855 |
| Net charge-offs to loans | 0.1442% | 1,463 |
| Credit loss provision to net charge-offs | 116.5049% | 1,902 |
| Earnings coverage of net charge-offs (x) | 14.7476% | 2,045 |
| Efficiency ratio | 61.5248% | 4,423 |
| Assets per employee ($millions) | 3.9591% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 1,945 |
| Loan loss allowance to noncurrent loans | 297.9866% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 3,832 |
| Noncurrent loans to loans | 0.4964% | 3,590 |
| Net loans and leases to total assets | 79.4597% | 995 |
| Net loans and leases to deposits | 101.5759% | 594 |
| Net loans and leases to core deposits | 126.5769% | 361 |
| Total domestic deposits to total assets | 78.2269% | 4,954 |
| Equity capital to assets | 15.6859% | 591 |
| Core capital (leverage) ratio | 16.1927% | 441 |
| Tier 1 risk-based capital ratio | 18.2983% | 1,852 |
| Total risk-based capital ratio | 19.5500% | 1,816 |
| Memoranda: | ||
| Average total assets | $174,656,330 | 3,256 |
| Average earning assets | $158,926,000 | 3,284 |
| Average equity | $28,188,000 | 2,521 |
| Average total loans | $142,819,670 | 2,741 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 1,621 |
| Cost of funding earning assets | 0.2933% | 4,241 |
| Net interest margin | 4.1685% | 1,178 |
| Noninterest income to average assets | 0.6890% | 2,094 |
| Noninterest expense to average assets | 2.7488% | 3,243 |
| Loan and lease loss provision to assets | 0.1421% | 1,482 |
| Net operating income to assets | 1.0536% | 2,072 |
| Return on assets (ROA) | 1.0536% | 2,179 |
| Pretax return on assets | 1.6005% | 1,293 |
| Return on Equity (ROE) | 6.4288% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.4288% | 2,176 |
| Net charge-offs to loans | 0.2644% | 793 |
| Credit loss provision to net charge-offs | 65.2174% | 1,938 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,095 |
| Efficiency ratio | 61.2019% | 4,568 |
| Assets per employee ($millions) | 3.5673% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 1,750 |
| Loan loss allowance to noncurrent loans | 650.0000% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 4,627 |
| Noncurrent loans to loans | 0.2399% | 4,570 |
| Net loans and leases to total assets | 80.0257% | 804 |
| Net loans and leases to deposits | 100.3603% | 601 |
| Net loans and leases to core deposits | 121.6783% | 423 |
| Total domestic deposits to total assets | 79.7384% | 4,807 |
| Equity capital to assets | 16.3108% | 495 |
| Core capital (leverage) ratio | 16.6173% | 407 |
| Tier 1 risk-based capital ratio | 19.1183% | 1,705 |
| Total risk-based capital ratio | 20.3712% | 1,667 |
| Memoranda: | ||
| Average total assets | $168,945,500 | 3,339 |
| Average earning assets | $154,109,000 | 3,363 |
| Average equity | $27,688,000 | 2,549 |
| Average total loans | $139,191,000 | 2,799 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 1,850 |
| Cost of funding earning assets | 0.3117% | 4,116 |
| Net interest margin | 4.1038% | 1,405 |
| Noninterest income to average assets | 0.6941% | 2,228 |
| Noninterest expense to average assets | 3.0481% | 2,388 |
| Loan and lease loss provision to assets | 0.1075% | 2,196 |
| Net operating income to assets | 0.8769% | 2,992 |
| Return on assets (ROA) | 0.8769% | 3,073 |
| Pretax return on assets | 1.3207% | 2,200 |
| Return on Equity (ROE) | 6.7632% | 3,644 |
| Retained earnings to average equity (ytd only) | 5.5516% | 2,049 |
| Net charge-offs to loans | 0.0067% | 4,213 |
| Credit loss provision to net charge-offs | 2,000.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 265.6667% | 273 |
| Efficiency ratio | 68.0945% | 3,555 |
| Assets per employee ($millions) | 3.7250% | 4,425 |
| Cash dividends to net income (ytd only)* | 17.9155% | 3,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 1,717 |
| Loan loss allowance to noncurrent loans | 556.3131% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 3,898 |
| Noncurrent loans to loans | 0.2826% | 4,451 |
| Net loans and leases to total assets | 82.2934% | 564 |
| Net loans and leases to deposits | 99.9920% | 673 |
| Net loans and leases to core deposits | 117.5579% | 557 |
| Total domestic deposits to total assets | 82.3000% | 4,084 |
| Equity capital to assets | 16.3739% | 481 |
| Core capital (leverage) ratio | 16.3397% | 428 |
| Tier 1 risk-based capital ratio | 19.1304% | 1,676 |
| Total risk-based capital ratio | 20.3835% | 1,629 |
| Memoranda: | ||
| Average total assets | $167,414,400 | 3,345 |
| Average earning assets | $154,294,400 | 3,338 |
| Average equity | $21,705,600 | 3,005 |
| Average total loans | $133,578,400 | 2,831 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 1,942 |
| Cost of funding earning assets | 0.3100% | 4,230 |
| Net interest margin | 4.0826% | 1,449 |
| Noninterest income to average assets | 0.6596% | 2,429 |
| Noninterest expense to average assets | 2.8847% | 2,899 |
| Loan and lease loss provision to assets | 0.1434% | 1,533 |
| Net operating income to assets | 0.9273% | 2,820 |
| Return on assets (ROA) | 0.9273% | 2,906 |
| Pretax return on assets | 1.3981% | 2,018 |
| Return on Equity (ROE) | 7.6563% | 3,250 |
| Retained earnings to average equity (ytd only) | 5.9264% | 2,295 |
| Net charge-offs to loans | 0.0182% | 3,582 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 107.4975% | 588 |
| Efficiency ratio | 65.1728% | 4,038 |
| Assets per employee ($millions) | 3.6993% | 4,450 |
| Cash dividends to net income (ytd only)* | 22.5947% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 1,820 |
| Loan loss allowance to noncurrent loans | 218.5259% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 3,402 |
| Noncurrent loans to loans | 0.7275% | 3,153 |
| Net loans and leases to total assets | 81.5867% | 626 |
| Net loans and leases to deposits | 93.4265% | 1,265 |
| Net loans and leases to core deposits | 113.7555% | 680 |
| Total domestic deposits to total assets | 87.3272% | 1,883 |
| Equity capital to assets | 12.4277% | 1,785 |
| Core capital (leverage) ratio | 12.1051% | 1,616 |
| Tier 1 risk-based capital ratio | 14.7927% | 3,390 |
| Total risk-based capital ratio | 16.0462% | 3,341 |
| Memoranda: | ||
| Average total assets | $167,361,250 | 3,376 |
| Average earning assets | $154,405,750 | 3,364 |
| Average equity | $20,270,250 | 3,178 |
| Average total loans | $131,935,750 | 2,873 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3376% | 2,057 |
| Cost of funding earning assets | 0.3104% | 4,274 |
| Net interest margin | 4.0273% | 1,561 |
| Noninterest income to average assets | 0.5762% | 2,874 |
| Noninterest expense to average assets | 2.8546% | 3,049 |
| Loan and lease loss provision to assets | 0.1431% | 1,525 |
| Net operating income to assets | 0.8648% | 3,062 |
| Return on assets (ROA) | 0.8648% | 3,162 |
| Pretax return on assets | 1.2931% | 2,389 |
| Return on Equity (ROE) | 7.2028% | 3,484 |
| Retained earnings to average equity (ytd only) | 6.7061% | 1,842 |
| Net charge-offs to loans | 0.0123% | 3,486 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 150.5000% | 429 |
| Efficiency ratio | 66.5277% | 3,912 |
| Assets per employee ($millions) | 3.8569% | 4,150 |
| Cash dividends to net income (ytd only)* | 6.8966% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 1,871 |
| Loan loss allowance to noncurrent loans | 602.2472% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 4,437 |
| Noncurrent loans to loans | 0.2675% | 4,711 |
| Net loans and leases to total assets | 78.9457% | 947 |
| Net loans and leases to deposits | 90.1702% | 1,577 |
| Net loans and leases to core deposits | 109.8287% | 844 |
| Total domestic deposits to total assets | 87.5518% | 1,879 |
| Equity capital to assets | 12.2993% | 1,798 |
| Core capital (leverage) ratio | 12.0390% | 1,639 |
| Tier 1 risk-based capital ratio | 15.0940% | 3,302 |
| Total risk-based capital ratio | 16.3479% | 3,243 |
| Memoranda: | ||
| Average total assets | $167,659,330 | 3,392 |
| Average earning assets | $154,646,000 | 3,380 |
| Average equity | $20,131,000 | 3,211 |
| Average total loans | $129,911,330 | 2,913 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2522% | 2,267 |
| Cost of funding earning assets | 0.3192% | 4,233 |
| Net interest margin | 3.9330% | 1,781 |
| Noninterest income to average assets | 0.7190% | 2,077 |
| Noninterest expense to average assets | 2.9377% | 2,781 |
| Loan and lease loss provision to assets | 0.1424% | 1,435 |
| Net operating income to assets | 0.8519% | 2,999 |
| Return on assets (ROA) | 0.8519% | 3,115 |
| Pretax return on assets | 1.2648% | 2,403 |
| Return on Equity (ROE) | 7.1809% | 3,411 |
| Retained earnings to average equity (ytd only) | 7.1809% | 1,933 |
| Net charge-offs to loans | -0.0062% | 4,558 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6133% | 3,888 |
| Assets per employee ($millions) | 3.7819% | 4,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 1,927 |
| Loan loss allowance to noncurrent loans | 926.5487% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 4,699 |
| Noncurrent loans to loans | 0.1769% | 5,144 |
| Net loans and leases to total assets | 73.8511% | 1,526 |
| Net loans and leases to deposits | 83.8588% | 2,098 |
| Net loans and leases to core deposits | 102.2586% | 1,162 |
| Total domestic deposits to total assets | 88.0661% | 1,783 |
| Equity capital to assets | 11.8622% | 2,139 |
| Core capital (leverage) ratio | 11.7405% | 1,820 |
| Tier 1 risk-based capital ratio | 15.1882% | 3,327 |
| Total risk-based capital ratio | 16.4418% | 3,243 |
| Memoranda: | ||
| Average total assets | $168,565,500 | 3,391 |
| Average earning assets | $155,403,500 | 3,388 |
| Average equity | $19,997,500 | 3,240 |
| Average total loans | $128,330,500 | 2,941 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 1,524 |
| Cost of funding earning assets | 0.3900% | 3,796 |
| Net interest margin | 4.2231% | 1,237 |
| Noninterest income to average assets | 0.6991% | 2,309 |
| Noninterest expense to average assets | 2.7766% | 3,574 |
| Loan and lease loss provision to assets | 0.1474% | 1,786 |
| Net operating income to assets | 1.1229% | 1,891 |
| Return on assets (ROA) | 1.1229% | 1,949 |
| Pretax return on assets | 1.6801% | 1,026 |
| Return on Equity (ROE) | 9.7426% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.7426% | 560 |
| Net charge-offs to loans | 0.1920% | 2,127 |
| Credit loss provision to net charge-offs | 97.5610% | 2,486 |
| Earnings coverage of net charge-offs (x) | 12.0935% | 2,422 |
| Efficiency ratio | 60.3069% | 5,176 |
| Assets per employee ($millions) | 3.7099% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5766% | 2,170 |
| Loan loss allowance to noncurrent loans | 677.3333% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 4,684 |
| Noncurrent loans to loans | 0.2328% | 4,992 |
| Net loans and leases to total assets | 75.9836% | 1,269 |
| Net loans and leases to deposits | 86.3413% | 1,940 |
| Net loans and leases to core deposits | 111.2114% | 723 |
| Total domestic deposits to total assets | 88.0038% | 1,768 |
| Equity capital to assets | 11.8645% | 2,117 |
| Core capital (leverage) ratio | 11.4475% | 2,015 |
| Tier 1 risk-based capital ratio | 10.9420% | 5,929 |
| Total risk-based capital ratio | 12.0759% | 5,907 |
| Memoranda: | ||
| Average total assets | $162,791,000 | 3,452 |
| Average earning assets | $150,528,200 | 3,433 |
| Average equity | $18,763,000 | 3,316 |
| Average total loans | $128,130,000 | 2,898 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,599 |
| Cost of funding earning assets | 0.3842% | 3,968 |
| Net interest margin | 4.2034% | 1,282 |
| Noninterest income to average assets | 0.7147% | 2,261 |
| Noninterest expense to average assets | 2.8141% | 3,407 |
| Loan and lease loss provision to assets | 0.1484% | 1,689 |
| Net operating income to assets | 1.1054% | 2,003 |
| Return on assets (ROA) | 1.1054% | 2,066 |
| Pretax return on assets | 1.6477% | 1,183 |
| Return on Equity (ROE) | 9.6636% | 2,369 |
| Retained earnings to average equity (ytd only) | 9.6636% | 787 |
| Net charge-offs to loans | 0.2303% | 1,666 |
| Credit loss provision to net charge-offs | 81.4480% | 2,566 |
| Earnings coverage of net charge-offs (x) | 9.8597% | 2,617 |
| Efficiency ratio | 61.0406% | 5,033 |
| Assets per employee ($millions) | 3.9134% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 2,783 |
| Loan loss allowance to noncurrent loans | 556.2674% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 4,920 |
| Noncurrent loans to loans | 0.2675% | 5,113 |
| Net loans and leases to total assets | 78.5715% | 886 |
| Net loans and leases to deposits | 91.1226% | 1,308 |
| Net loans and leases to core deposits | 121.1333% | 374 |
| Total domestic deposits to total assets | 86.2262% | 2,740 |
| Equity capital to assets | 11.4562% | 2,523 |
| Core capital (leverage) ratio | 11.3708% | 2,160 |
| Tier 1 risk-based capital ratio | 10.6795% | 6,142 |
| Total risk-based capital ratio | 11.7950% | 6,141 |
| Memoranda: | ||
| Average total assets | $161,752,750 | 3,496 |
| Average earning assets | $149,905,500 | 3,472 |
| Average equity | $18,502,000 | 3,369 |
| Average total loans | $127,942,000 | 2,917 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5239% | 1,753 |
| Cost of funding earning assets | 0.3887% | 4,007 |
| Net interest margin | 4.1352% | 1,412 |
| Noninterest income to average assets | 0.6367% | 2,629 |
| Noninterest expense to average assets | 2.8099% | 3,465 |
| Loan and lease loss provision to assets | 0.1504% | 1,639 |
| Net operating income to assets | 1.0164% | 2,262 |
| Return on assets (ROA) | 1.0164% | 2,328 |
| Pretax return on assets | 1.5027% | 1,531 |
| Return on Equity (ROE) | 8.8909% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.8909% | 1,028 |
| Net charge-offs to loans | 0.3496% | 1,173 |
| Credit loss provision to net charge-offs | 54.5455% | 2,722 |
| Earnings coverage of net charge-offs (x) | 5.9955% | 2,838 |
| Efficiency ratio | 62.9598% | 4,863 |
| Assets per employee ($millions) | 3.7500% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 2,933 |
| Loan loss allowance to noncurrent loans | 707.2993% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 4,975 |
| Noncurrent loans to loans | 0.2111% | 5,386 |
| Net loans and leases to total assets | 77.4822% | 982 |
| Net loans and leases to deposits | 88.9510% | 1,483 |
| Net loans and leases to core deposits | 116.3307% | 467 |
| Total domestic deposits to total assets | 87.1065% | 2,399 |
| Equity capital to assets | 11.3607% | 2,542 |
| Core capital (leverage) ratio | 11.4576% | 2,041 |
| Tier 1 risk-based capital ratio | 10.8078% | 6,125 |
| Total risk-based capital ratio | 11.9345% | 6,130 |
| Memoranda: | ||
| Average total assets | $159,578,330 | 3,540 |
| Average earning assets | $147,658,670 | 3,525 |
| Average equity | $18,243,330 | 3,396 |
| Average total loans | $125,851,330 | 2,949 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,601 |
| Cost of funding earning assets | 0.3902% | 4,086 |
| Net interest margin | 4.1734% | 1,284 |
| Noninterest income to average assets | 0.6298% | 2,570 |
| Noninterest expense to average assets | 3.0140% | 2,823 |
| Loan and lease loss provision to assets | 0.1530% | 1,582 |
| Net operating income to assets | 0.9001% | 2,652 |
| Return on assets (ROA) | 0.9001% | 2,717 |
| Pretax return on assets | 1.3081% | 2,064 |
| Return on Equity (ROE) | 7.8477% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.8477% | 1,660 |
| Net charge-offs to loans | 0.0807% | 2,345 |
| Credit loss provision to net charge-offs | 240.0000% | 926 |
| Earnings coverage of net charge-offs (x) | 22.9200% | 1,230 |
| Efficiency ratio | 67.3504% | 4,306 |
| Assets per employee ($millions) | 3.5565% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 2,299 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 5,194 |
| Noncurrent loans to loans | 0.1226% | 5,743 |
| Net loans and leases to total assets | 75.8180% | 1,021 |
| Net loans and leases to deposits | 85.8568% | 1,618 |
| Net loans and leases to core deposits | 102.2784% | 967 |
| Total domestic deposits to total assets | 88.3074% | 2,050 |
| Equity capital to assets | 11.6383% | 2,145 |
| Core capital (leverage) ratio | 11.6223% | 1,885 |
| Tier 1 risk-based capital ratio | 11.1802% | 6,083 |
| Total risk-based capital ratio | 12.4306% | 6,031 |
| Memoranda: | ||
| Average total assets | $156,868,500 | 3,608 |
| Average earning assets | $144,535,500 | 3,615 |
| Average equity | $17,992,500 | 3,430 |
| Average total loans | $123,886,000 | 2,993 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 1,719 |
| Cost of funding earning assets | 0.4330% | 4,289 |
| Net interest margin | 4.2160% | 1,310 |
| Noninterest income to average assets | 0.6779% | 2,662 |
| Noninterest expense to average assets | 2.7286% | 3,996 |
| Loan and lease loss provision to assets | 0.1554% | 2,330 |
| Net operating income to assets | 1.1208% | 1,867 |
| Return on assets (ROA) | 1.1208% | 1,930 |
| Pretax return on assets | 1.6589% | 1,037 |
| Return on Equity (ROE) | 10.1345% | 2,058 |
| Retained earnings to average equity (ytd only) | 10.1345% | 543 |
| Net charge-offs to loans | 0.0268% | 4,882 |
| Credit loss provision to net charge-offs | 750.0000% | 328 |
| Earnings coverage of net charge-offs (x) | 87.5625% | 513 |
| Efficiency ratio | 60.0627% | 5,464 |
| Assets per employee ($millions) | 3.5739% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 2,745 |
| Loan loss allowance to noncurrent loans | 1,164.5714% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 4,717 |
| Noncurrent loans to loans | 0.1377% | 5,798 |
| Net loans and leases to total assets | 79.5018% | 649 |
| Net loans and leases to deposits | 95.9610% | 737 |
| Net loans and leases to core deposits | 114.4119% | 460 |
| Total domestic deposits to total assets | 82.8480% | 4,593 |
| Equity capital to assets | 11.3022% | 2,341 |
| Core capital (leverage) ratio | 11.3563% | 2,070 |
| Tier 1 risk-based capital ratio | 10.6283% | 6,320 |
| Total risk-based capital ratio | 11.8465% | 6,293 |
| Memoranda: | ||
| Average total assets | $154,440,200 | 3,634 |
| Average earning assets | $141,581,000 | 3,644 |
| Average equity | $17,080,200 | 3,553 |
| Average total loans | $119,290,200 | 3,052 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 1,948 |
| Cost of funding earning assets | 0.4389% | 4,396 |
| Net interest margin | 4.1477% | 1,490 |
| Noninterest income to average assets | 0.7372% | 2,427 |
| Noninterest expense to average assets | 2.7562% | 3,808 |
| Loan and lease loss provision to assets | 0.1561% | 2,308 |
| Net operating income to assets | 1.1014% | 2,001 |
| Return on assets (ROA) | 1.1014% | 2,075 |
| Pretax return on assets | 1.6278% | 1,273 |
| Return on Equity (ROE) | 10.0153% | 2,176 |
| Retained earnings to average equity (ytd only) | 10.0153% | 786 |
| Net charge-offs to loans | 0.0330% | 4,474 |
| Credit loss provision to net charge-offs | 620.6897% | 459 |
| Earnings coverage of net charge-offs (x) | 70.9232% | 659 |
| Efficiency ratio | 60.7068% | 5,326 |
| Assets per employee ($millions) | 3.6211% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 3,158 |
| Loan loss allowance to noncurrent loans | 1,106.7039% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 4,619 |
| Noncurrent loans to loans | 0.1415% | 5,901 |
| Net loans and leases to total assets | 79.9484% | 552 |
| Net loans and leases to deposits | 90.2177% | 1,140 |
| Net loans and leases to core deposits | 107.7101% | 678 |
| Total domestic deposits to total assets | 88.6172% | 1,773 |
| Equity capital to assets | 11.1613% | 2,606 |
| Core capital (leverage) ratio | 11.5575% | 1,995 |
| Tier 1 risk-based capital ratio | 10.4829% | 6,457 |
| Total risk-based capital ratio | 11.6820% | 6,441 |
| Memoranda: | ||
| Average total assets | $153,737,000 | 3,678 |
| Average earning assets | $140,957,500 | 3,687 |
| Average equity | $16,907,000 | 3,614 |
| Average total loans | $117,348,500 | 3,113 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 2,202 |
| Cost of funding earning assets | 0.4552% | 4,374 |
| Net interest margin | 4.0443% | 1,717 |
| Noninterest income to average assets | 0.7721% | 2,314 |
| Noninterest expense to average assets | 2.6561% | 4,201 |
| Loan and lease loss provision to assets | 0.1568% | 2,355 |
| Net operating income to assets | 1.1223% | 1,852 |
| Return on assets (ROA) | 1.1223% | 1,970 |
| Pretax return on assets | 1.6619% | 1,205 |
| Return on Equity (ROE) | 10.2569% | 2,102 |
| Retained earnings to average equity (ytd only) | 10.2569% | 793 |
| Net charge-offs to loans | -0.0192% | 5,960 |
| Credit loss provision to net charge-offs | -1,090.9091% | 6,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3577% | 5,562 |
| Assets per employee ($millions) | 3.3761% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 2,817 |
| Loan loss allowance to noncurrent loans | 1,225.6250% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 4,312 |
| Noncurrent loans to loans | 0.1378% | 5,980 |
| Net loans and leases to total assets | 76.8581% | 880 |
| Net loans and leases to deposits | 86.9405% | 1,465 |
| Net loans and leases to core deposits | 99.9379% | 1,081 |
| Total domestic deposits to total assets | 88.4032% | 1,984 |
| Equity capital to assets | 11.4440% | 2,341 |
| Core capital (leverage) ratio | 11.3509% | 2,057 |
| Tier 1 risk-based capital ratio | 11.1439% | 6,270 |
| Total risk-based capital ratio | 12.3942% | 6,246 |
| Memoranda: | ||
| Average total assets | $153,080,000 | 3,719 |
| Average earning assets | $140,148,330 | 3,718 |
| Average equity | $16,749,670 | 3,660 |
| Average total loans | $114,309,000 | 3,184 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 2,508 |
| Cost of funding earning assets | 0.4788% | 4,292 |
| Net interest margin | 3.9264% | 2,026 |
| Noninterest income to average assets | 0.7879% | 2,174 |
| Noninterest expense to average assets | 2.5801% | 4,471 |
| Loan and lease loss provision to assets | 0.1545% | 2,327 |
| Net operating income to assets | 1.1098% | 1,818 |
| Return on assets (ROA) | 1.1098% | 1,926 |
| Pretax return on assets | 1.6428% | 1,207 |
| Return on Equity (ROE) | 10.3702% | 1,922 |
| Retained earnings to average equity (ytd only) | 10.3702% | 1,016 |
| Net charge-offs to loans | -0.0247% | 5,817 |
| Credit loss provision to net charge-offs | -857.1429% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9412% | 5,724 |
| Assets per employee ($millions) | 3.5324% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 2,813 |
| Loan loss allowance to noncurrent loans | 557.9412% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 4,669 |
| Noncurrent loans to loans | 0.3130% | 5,616 |
| Net loans and leases to total assets | 68.6646% | 1,898 |
| Net loans and leases to deposits | 77.1609% | 2,469 |
| Net loans and leases to core deposits | 91.5377% | 1,552 |
| Total domestic deposits to total assets | 88.9889% | 1,692 |
| Equity capital to assets | 10.8097% | 3,190 |
| Core capital (leverage) ratio | 10.5992% | 2,651 |
| Tier 1 risk-based capital ratio | 11.5698% | 6,143 |
| Total risk-based capital ratio | 12.8208% | 6,117 |
| Memoranda: | ||
| Average total assets | $155,345,500 | 3,720 |
| Average earning assets | $142,014,500 | 3,731 |
| Average equity | $16,624,500 | 3,725 |
| Average total loans | $113,397,000 | 3,224 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 2,284 |
| Cost of funding earning assets | 0.6011% | 4,346 |
| Net interest margin | 4.1767% | 1,725 |
| Noninterest income to average assets | 0.8563% | 2,009 |
| Noninterest expense to average assets | 2.5989% | 4,748 |
| Loan and lease loss provision to assets | 0.2137% | 3,008 |
| Net operating income to assets | 1.2430% | 1,466 |
| Return on assets (ROA) | 1.2430% | 1,629 |
| Pretax return on assets | 1.8495% | 827 |
| Return on Equity (ROE) | 12.0656% | 1,492 |
| Retained earnings to average equity (ytd only) | 12.0656% | 320 |
| Net charge-offs to loans | 0.1453% | 4,239 |
| Credit loss provision to net charge-offs | 201.2579% | 1,284 |
| Earnings coverage of net charge-offs (x) | 19.4277% | 1,386 |
| Efficiency ratio | 55.7450% | 6,082 |
| Assets per employee ($millions) | 3.6968% | 4,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,532 |
| Loan loss allowance to noncurrent loans | 896.5686% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 4,984 |
| Noncurrent loans to loans | 0.1726% | 6,048 |
| Net loans and leases to total assets | 74.9333% | 1,061 |
| Net loans and leases to deposits | 84.0183% | 1,753 |
| Net loans and leases to core deposits | 96.9582% | 1,228 |
| Total domestic deposits to total assets | 89.1869% | 1,444 |
| Equity capital to assets | 10.5934% | 3,405 |
| Core capital (leverage) ratio | 10.4586% | 2,819 |
| Tier 1 risk-based capital ratio | 10.4621% | 6,567 |
| Total risk-based capital ratio | 11.6543% | 6,556 |
| Memoranda: | ||
| Average total assets | $149,719,600 | 3,778 |
| Average earning assets | $136,424,400 | 3,784 |
| Average equity | $15,424,000 | 3,874 |
| Average total loans | $109,403,800 | 3,309 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7507% | 2,576 |
| Cost of funding earning assets | 0.6098% | 4,540 |
| Net interest margin | 4.1409% | 1,938 |
| Noninterest income to average assets | 0.8278% | 2,131 |
| Noninterest expense to average assets | 2.6085% | 4,713 |
| Loan and lease loss provision to assets | 0.2337% | 2,707 |
| Net operating income to assets | 1.1946% | 1,765 |
| Return on assets (ROA) | 1.1946% | 1,938 |
| Pretax return on assets | 1.7698% | 1,120 |
| Return on Equity (ROE) | 11.6822% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.6822% | 584 |
| Net charge-offs to loans | 0.0982% | 4,400 |
| Credit loss provision to net charge-offs | 329.1139% | 812 |
| Earnings coverage of net charge-offs (x) | 28.2154% | 1,156 |
| Efficiency ratio | 56.5582% | 5,987 |
| Assets per employee ($millions) | 3.6425% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 3,604 |
| Loan loss allowance to noncurrent loans | 872.1698% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 5,018 |
| Noncurrent loans to loans | 0.1810% | 6,157 |
| Net loans and leases to total assets | 75.3345% | 1,071 |
| Net loans and leases to deposits | 86.2690% | 1,572 |
| Net loans and leases to core deposits | 100.0165% | 1,117 |
| Total domestic deposits to total assets | 87.3251% | 2,484 |
| Equity capital to assets | 10.4179% | 3,936 |
| Core capital (leverage) ratio | 10.2866% | 3,181 |
| Tier 1 risk-based capital ratio | 10.4741% | 6,674 |
| Total risk-based capital ratio | 11.7223% | 6,655 |
| Memoranda: | ||
| Average total assets | $148,333,000 | 3,846 |
| Average earning assets | $135,555,000 | 3,842 |
| Average equity | $15,168,000 | 3,959 |
| Average total loans | $107,211,000 | 3,387 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6235% | 3,261 |
| Cost of funding earning assets | 0.6058% | 4,854 |
| Net interest margin | 4.0177% | 2,427 |
| Noninterest income to average assets | 0.9061% | 1,764 |
| Noninterest expense to average assets | 2.6093% | 4,742 |
| Loan and lease loss provision to assets | 0.2725% | 2,403 |
| Net operating income to assets | 1.1432% | 1,899 |
| Return on assets (ROA) | 1.1432% | 2,118 |
| Pretax return on assets | 1.6841% | 1,303 |
| Return on Equity (ROE) | 11.2532% | 1,900 |
| Retained earnings to average equity (ytd only) | 11.2532% | 701 |
| Net charge-offs to loans | 0.1290% | 3,897 |
| Credit loss provision to net charge-offs | 298.5075% | 984 |
| Earnings coverage of net charge-offs (x) | 21.4328% | 1,344 |
| Efficiency ratio | 57.1471% | 5,975 |
| Assets per employee ($millions) | 3.5803% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 3,640 |
| Loan loss allowance to noncurrent loans | 826.1468% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 5,045 |
| Noncurrent loans to loans | 0.1924% | 6,200 |
| Net loans and leases to total assets | 74.1652% | 1,218 |
| Net loans and leases to deposits | 84.6976% | 1,761 |
| Net loans and leases to core deposits | 97.1870% | 1,332 |
| Total domestic deposits to total assets | 87.5648% | 2,423 |
| Equity capital to assets | 10.2420% | 4,002 |
| Core capital (leverage) ratio | 10.3585% | 2,974 |
| Tier 1 risk-based capital ratio | 10.5124% | 6,688 |
| Total risk-based capital ratio | 11.7626% | 6,674 |
| Memoranda: | ||
| Average total assets | $146,781,670 | 3,887 |
| Average earning assets | $133,708,670 | 3,889 |
| Average equity | $14,911,330 | 4,009 |
| Average total loans | $103,914,330 | 3,476 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5629% | 3,664 |
| Cost of funding earning assets | 0.6276% | 4,917 |
| Net interest margin | 3.9353% | 2,782 |
| Noninterest income to average assets | 1.1035% | 1,159 |
| Noninterest expense to average assets | 2.6899% | 4,459 |
| Loan and lease loss provision to assets | 0.3862% | 1,629 |
| Net operating income to assets | 1.0980% | 2,092 |
| Return on assets (ROA) | 1.0980% | 2,287 |
| Pretax return on assets | 1.6084% | 1,543 |
| Return on Equity (ROE) | 10.8547% | 2,086 |
| Retained earnings to average equity (ytd only) | 10.8547% | 1,072 |
| Net charge-offs to loans | 0.3225% | 2,361 |
| Credit loss provision to net charge-offs | 175.0000% | 1,460 |
| Earnings coverage of net charge-offs (x) | 9.0375% | 1,891 |
| Efficiency ratio | 57.4205% | 5,986 |
| Assets per employee ($millions) | 3.4963% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 2,917 |
| Loan loss allowance to noncurrent loans | 441.0714% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 5,002 |
| Noncurrent loans to loans | 0.4133% | 5,845 |
| Net loans and leases to total assets | 63.4141% | 2,965 |
| Net loans and leases to deposits | 70.7639% | 3,618 |
| Net loans and leases to core deposits | 79.4527% | 3,117 |
| Total domestic deposits to total assets | 89.6136% | 1,292 |
| Equity capital to assets | 10.0752% | 4,032 |
| Core capital (leverage) ratio | 9.9285% | 3,455 |
| Tier 1 risk-based capital ratio | 11.4899% | 6,288 |
| Total risk-based capital ratio | 12.7417% | 6,270 |
| Memoranda: | ||
| Average total assets | $144,987,000 | 3,957 |
| Average earning assets | $131,934,000 | 3,944 |
| Average equity | $14,666,500 | 4,062 |
| Average total loans | $99,209,500 | 3,617 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 3,593 |
| Cost of funding earning assets | 0.7800% | 5,001 |
| Net interest margin | 4.0682% | 2,579 |
| Noninterest income to average assets | 0.6385% | 2,956 |
| Noninterest expense to average assets | 2.7105% | 4,707 |
| Loan and lease loss provision to assets | 0.1667% | 4,557 |
| Net operating income to assets | 1.0009% | 2,191 |
| Return on assets (ROA) | 1.0009% | 2,337 |
| Pretax return on assets | 1.4618% | 1,588 |
| Return on Equity (ROE) | 10.1432% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.9596% | 577 |
| Net charge-offs to loans | 0.2520% | 4,200 |
| Credit loss provision to net charge-offs | 90.9091% | 3,970 |
| Earnings coverage of net charge-offs (x) | 8.8814% | 2,073 |
| Efficiency ratio | 62.4687% | 5,383 |
| Assets per employee ($millions) | 3.6699% | 4,615 |
| Cash dividends to net income (ytd only)* | 1.8103% | 4,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 3,542 |
| Loan loss allowance to noncurrent loans | 327.2549% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.9439% | 4,720 |
| Noncurrent loans to loans | 0.4924% | 5,722 |
| Net loans and leases to total assets | 71.1950% | 1,790 |
| Net loans and leases to deposits | 79.3367% | 2,635 |
| Net loans and leases to core deposits | 88.4280% | 2,332 |
| Total domestic deposits to total assets | 89.7379% | 1,140 |
| Equity capital to assets | 10.1573% | 3,963 |
| Core capital (leverage) ratio | 9.7939% | 3,615 |
| Tier 1 risk-based capital ratio | 11.0367% | 6,433 |
| Total risk-based capital ratio | 12.2876% | 6,418 |
| Memoranda: | ||
| Average total assets | $137,980,200 | 4,012 |
| Average earning assets | $125,510,200 | 4,024 |
| Average equity | $13,615,000 | 4,211 |
| Average total loans | $100,406,000 | 3,608 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 4,018 |
| Cost of funding earning assets | 0.8077% | 5,096 |
| Net interest margin | 3.9927% | 2,945 |
| Noninterest income to average assets | 0.7325% | 2,403 |
| Noninterest expense to average assets | 2.7672% | 4,474 |
| Loan and lease loss provision to assets | 0.1804% | 4,222 |
| Net operating income to assets | 0.9734% | 2,416 |
| Return on assets (ROA) | 0.9734% | 2,587 |
| Pretax return on assets | 1.4251% | 1,866 |
| Return on Equity (ROE) | 9.9418% | 2,221 |
| Retained earnings to average equity (ytd only) | 9.6927% | 929 |
| Net charge-offs to loans | 0.1794% | 4,368 |
| Credit loss provision to net charge-offs | 138.0597% | 2,310 |
| Earnings coverage of net charge-offs (x) | 12.2837% | 1,722 |
| Efficiency ratio | 63.2835% | 5,184 |
| Assets per employee ($millions) | 3.6780% | 4,581 |
| Cash dividends to net income (ytd only)* | 2.5048% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 3,653 |
| Loan loss allowance to noncurrent loans | 251.5152% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 1.2075% | 4,379 |
| Noncurrent loans to loans | 0.6372% | 5,614 |
| Net loans and leases to total assets | 74.6098% | 1,214 |
| Net loans and leases to deposits | 84.2785% | 1,959 |
| Net loans and leases to core deposits | 95.4922% | 1,653 |
| Total domestic deposits to total assets | 88.5277% | 1,742 |
| Equity capital to assets | 9.8263% | 4,590 |
| Core capital (leverage) ratio | 10.0072% | 3,432 |
| Tier 1 risk-based capital ratio | 10.6490% | 6,722 |
| Total risk-based capital ratio | 11.9003% | 6,707 |
| Memoranda: | ||
| Average total assets | $136,693,250 | 4,065 |
| Average earning assets | $124,624,500 | 4,073 |
| Average equity | $13,384,250 | 4,274 |
| Average total loans | $99,615,250 | 3,659 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 4,576 |
| Cost of funding earning assets | 0.8482% | 5,078 |
| Net interest margin | 3.8407% | 3,579 |
| Noninterest income to average assets | 0.6367% | 2,913 |
| Noninterest expense to average assets | 2.7893% | 4,469 |
| Loan and lease loss provision to assets | 0.1339% | 4,626 |
| Net operating income to assets | 0.8420% | 2,894 |
| Return on assets (ROA) | 0.8420% | 2,992 |
| Pretax return on assets | 1.2228% | 2,392 |
| Return on Equity (ROE) | 8.6101% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.2298% | 1,373 |
| Net charge-offs to loans | 0.1740% | 4,126 |
| Credit loss provision to net charge-offs | 107.1429% | 2,876 |
| Earnings coverage of net charge-offs (x) | 10.8571% | 1,762 |
| Efficiency ratio | 67.2766% | 4,649 |
| Assets per employee ($millions) | 3.4331% | 5,116 |
| Cash dividends to net income (ytd only)* | 4.4170% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7352% | 3,207 |
| Loan loss allowance to noncurrent loans | 197.2125% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 1.1841% | 4,525 |
| Noncurrent loans to loans | 0.8799% | 5,204 |
| Net loans and leases to total assets | 70.0223% | 2,214 |
| Net loans and leases to deposits | 77.8383% | 3,144 |
| Net loans and leases to core deposits | 89.1332% | 2,481 |
| Total domestic deposits to total assets | 89.9586% | 997 |
| Equity capital to assets | 9.8666% | 4,315 |
| Core capital (leverage) ratio | 9.7212% | 3,637 |
| Tier 1 risk-based capital ratio | 11.3608% | 6,278 |
| Total risk-based capital ratio | 12.6132% | 6,264 |
| Memoranda: | ||
| Average total assets | $134,444,000 | 4,134 |
| Average earning assets | $122,842,670 | 4,132 |
| Average equity | $13,147,330 | 4,307 |
| Average total loans | $96,565,670 | 3,782 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7029% | 4,514 |
| Cost of funding earning assets | 0.8628% | 5,190 |
| Net interest margin | 3.8400% | 3,416 |
| Noninterest income to average assets | 0.6015% | 3,153 |
| Noninterest expense to average assets | 2.7488% | 4,647 |
| Loan and lease loss provision to assets | 0.1353% | 4,317 |
| Net operating income to assets | 0.8331% | 2,869 |
| Return on assets (ROA) | 0.8331% | 2,925 |
| Pretax return on assets | 1.2240% | 2,297 |
| Return on Equity (ROE) | 8.5583% | 2,673 |
| Retained earnings to average equity (ytd only) | 8.5583% | 1,534 |
| Net charge-offs to loans | 0.1501% | 3,589 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | 12.5556% | 1,492 |
| Efficiency ratio | 66.9107% | 4,871 |
| Assets per employee ($millions) | 3.4966% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8191% | 2,953 |
| Loan loss allowance to noncurrent loans | 462.2283% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 5,150 |
| Noncurrent loans to loans | 0.3935% | 6,207 |
| Net loans and leases to total assets | 67.3240% | 2,693 |
| Net loans and leases to deposits | 74.6034% | 3,668 |
| Net loans and leases to core deposits | 84.6257% | 3,080 |
| Total domestic deposits to total assets | 90.2424% | 992 |
| Equity capital to assets | 9.6131% | 4,297 |
| Core capital (leverage) ratio | 9.9230% | 3,242 |
| Tier 1 risk-based capital ratio | 11.5148% | 6,092 |
| Total risk-based capital ratio | 12.7675% | 6,068 |
| Memoranda: | ||
| Average total assets | $133,005,000 | 4,193 |
| Average earning assets | $121,458,000 | 4,186 |
| Average equity | $12,946,500 | 4,346 |
| Average total loans | $95,921,500 | 3,835 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1312% | 3,954 |
| Cost of funding earning assets | 1.2229% | 4,401 |
| Net interest margin | 3.9083% | 3,451 |
| Noninterest income to average assets | 0.6117% | 3,395 |
| Noninterest expense to average assets | 2.9644% | 3,979 |
| Loan and lease loss provision to assets | 0.3487% | 4,038 |
| Net operating income to assets | 0.5555% | 3,868 |
| Return on assets (ROA) | 0.5555% | 4,019 |
| Pretax return on assets | 0.8392% | 3,502 |
| Return on Equity (ROE) | 5.5939% | 3,796 |
| Retained earnings to average equity (ytd only) | 5.5939% | 2,065 |
| Net charge-offs to loans | 0.4693% | 3,740 |
| Credit loss provision to net charge-offs | 99.7732% | 4,635 |
| Earnings coverage of net charge-offs (x) | 3.3991% | 3,380 |
| Efficiency ratio | 71.3931% | 3,911 |
| Assets per employee ($millions) | 3.4117% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 3,134 |
| Loan loss allowance to noncurrent loans | 307.0780% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 4,913 |
| Noncurrent loans to loans | 0.5603% | 5,930 |
| Net loans and leases to total assets | 74.5449% | 1,563 |
| Net loans and leases to deposits | 82.7770% | 2,664 |
| Net loans and leases to core deposits | 91.7004% | 2,532 |
| Total domestic deposits to total assets | 90.0551% | 1,064 |
| Equity capital to assets | 9.8608% | 3,925 |
| Core capital (leverage) ratio | 10.0743% | 2,999 |
| Tier 1 risk-based capital ratio | 11.2339% | 6,149 |
| Total risk-based capital ratio | 12.4868% | 6,128 |
| Memoranda: | ||
| Average total assets | $126,198,400 | 4,345 |
| Average earning assets | $114,319,600 | 4,365 |
| Average equity | $12,531,600 | 4,473 |
| Average total loans | $93,977,000 | 3,953 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 4,094 |
| Cost of funding earning assets | 1.2819% | 4,357 |
| Net interest margin | 3.8644% | 3,680 |
| Noninterest income to average assets | 0.5851% | 3,543 |
| Noninterest expense to average assets | 2.9296% | 3,982 |
| Loan and lease loss provision to assets | 0.2925% | 4,237 |
| Net operating income to assets | 0.5744% | 3,986 |
| Return on assets (ROA) | 0.5744% | 4,150 |
| Pretax return on assets | 0.8617% | 3,695 |
| Return on Equity (ROE) | 5.7744% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.7744% | 2,494 |
| Net charge-offs to loans | 0.1866% | 4,832 |
| Credit loss provision to net charge-offs | 211.5385% | 1,660 |
| Earnings coverage of net charge-offs (x) | 8.3461% | 2,179 |
| Efficiency ratio | 71.7374% | 3,755 |
| Assets per employee ($millions) | 3.1992% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 2,731 |
| Loan loss allowance to noncurrent loans | 162.5111% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 1.5220% | 4,167 |
| Noncurrent loans to loans | 1.1183% | 5,008 |
| Net loans and leases to total assets | 79.5872% | 808 |
| Net loans and leases to deposits | 88.9109% | 1,871 |
| Net loans and leases to core deposits | 97.7372% | 2,071 |
| Total domestic deposits to total assets | 89.5135% | 1,120 |
| Equity capital to assets | 10.2990% | 3,767 |
| Core capital (leverage) ratio | 10.2143% | 3,029 |
| Tier 1 risk-based capital ratio | 11.3580% | 6,049 |
| Total risk-based capital ratio | 12.6131% | 6,029 |
| Memoranda: | ||
| Average total assets | $125,337,000 | 4,432 |
| Average earning assets | $113,478,500 | 4,445 |
| Average equity | $12,468,500 | 4,558 |
| Average total loans | $92,887,500 | 4,056 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0979% | 4,466 |
| Cost of funding earning assets | 1.3299% | 4,337 |
| Net interest margin | 3.7680% | 4,056 |
| Noninterest income to average assets | 0.5035% | 4,092 |
| Noninterest expense to average assets | 2.9237% | 3,989 |
| Loan and lease loss provision to assets | 0.1434% | 5,466 |
| Net operating income to assets | 0.5784% | 3,961 |
| Return on assets (ROA) | 0.5784% | 4,101 |
| Pretax return on assets | 0.8492% | 3,706 |
| Return on Equity (ROE) | 5.8827% | 3,859 |
| Retained earnings to average equity (ytd only) | 5.8827% | 2,403 |
| Net charge-offs to loans | 0.3151% | 3,745 |
| Credit loss provision to net charge-offs | 63.3803% | 5,127 |
| Earnings coverage of net charge-offs (x) | 4.3873% | 2,963 |
| Efficiency ratio | 74.6542% | 3,341 |
| Assets per employee ($millions) | 3.2110% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7466% | 2,912 |
| Loan loss allowance to noncurrent loans | 143.4821% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.7768% | 3,792 |
| Noncurrent loans to loans | 1.2173% | 4,932 |
| Net loans and leases to total assets | 73.6704% | 1,987 |
| Net loans and leases to deposits | 82.0710% | 3,263 |
| Net loans and leases to core deposits | 90.0199% | 3,259 |
| Total domestic deposits to total assets | 89.7643% | 1,040 |
| Equity capital to assets | 10.0688% | 3,928 |
| Core capital (leverage) ratio | 9.9577% | 3,212 |
| Tier 1 risk-based capital ratio | 11.9711% | 5,338 |
| Total risk-based capital ratio | 13.2256% | 5,299 |
| Memoranda: | ||
| Average total assets | $125,526,000 | 4,460 |
| Average earning assets | $113,693,670 | 4,456 |
| Average equity | $12,341,330 | 4,588 |
| Average total loans | $90,137,000 | 4,138 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9803% | 5,111 |
| Cost of funding earning assets | 1.3506% | 4,489 |
| Net interest margin | 3.6297% | 4,580 |
| Noninterest income to average assets | 0.4297% | 4,666 |
| Noninterest expense to average assets | 2.7850% | 4,544 |
| Loan and lease loss provision to assets | 0.1432% | 5,117 |
| Net operating income to assets | 0.5411% | 4,174 |
| Return on assets (ROA) | 0.5411% | 4,312 |
| Pretax return on assets | 0.7862% | 3,927 |
| Return on Equity (ROE) | 5.5703% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.5703% | 2,830 |
| Net charge-offs to loans | 0.0499% | 4,906 |
| Credit loss provision to net charge-offs | 409.0909% | 1,005 |
| Earnings coverage of net charge-offs (x) | 26.5455% | 952 |
| Efficiency ratio | 74.9786% | 3,411 |
| Assets per employee ($millions) | 3.0447% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0024% | 2,182 |
| Loan loss allowance to noncurrent loans | 197.8236% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 1.6863% | 3,948 |
| Noncurrent loans to loans | 1.0122% | 5,300 |
| Net loans and leases to total assets | 67.7049% | 3,463 |
| Net loans and leases to deposits | 75.3495% | 4,521 |
| Net loans and leases to core deposits | 82.2920% | 4,441 |
| Total domestic deposits to total assets | 89.8544% | 1,066 |
| Equity capital to assets | 9.9012% | 3,992 |
| Core capital (leverage) ratio | 9.8402% | 3,354 |
| Tier 1 risk-based capital ratio | 12.3576% | 4,861 |
| Total risk-based capital ratio | 13.6134% | 4,812 |
| Memoranda: | ||
| Average total assets | $125,675,000 | 4,509 |
| Average earning assets | $113,727,500 | 4,527 |
| Average equity | $12,207,500 | 4,661 |
| Average total loans | $88,257,500 | 4,248 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 5,059 |
| Cost of funding earning assets | 1.8707% | 3,620 |
| Net interest margin | 3.4545% | 5,154 |
| Noninterest income to average assets | 0.5963% | 3,657 |
| Noninterest expense to average assets | 3.1559% | 3,523 |
| Loan and lease loss provision to assets | 0.1710% | 5,983 |
| Net operating income to assets | 0.2312% | 4,796 |
| Return on assets (ROA) | 0.2486% | 4,806 |
| Pretax return on assets | 0.3898% | 4,523 |
| Return on Equity (ROE) | 2.5190% | 4,699 |
| Retained earnings to average equity (ytd only) | 2.2847% | 3,515 |
| Net charge-offs to loans | 0.6267% | 3,330 |
| Credit loss provision to net charge-offs | 35.7513% | 6,864 |
| Earnings coverage of net charge-offs (x) | 1.1157% | 4,996 |
| Efficiency ratio | 85.5384% | 2,168 |
| Assets per employee ($millions) | 3.0858% | 6,020 |
| Cash dividends to net income (ytd only)* | 9.3023% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 2,333 |
| Loan loss allowance to noncurrent loans | 212.5628% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 1.6425% | 3,910 |
| Noncurrent loans to loans | 0.8818% | 5,540 |
| Net loans and leases to total assets | 70.0127% | 3,254 |
| Net loans and leases to deposits | 78.6423% | 4,248 |
| Net loans and leases to core deposits | 101.8630% | 3,815 |
| Total domestic deposits to total assets | 89.0268% | 1,472 |
| Equity capital to assets | 9.5284% | 4,382 |
| Core capital (leverage) ratio | 9.8718% | 3,240 |
| Tier 1 risk-based capital ratio | 11.7648% | 5,145 |
| Total risk-based capital ratio | 13.0199% | 5,099 |
| Memoranda: | ||
| Average total assets | $121,074,800 | 4,533 |
| Average earning assets | $108,408,800 | 4,619 |
| Average equity | $11,949,000 | 4,758 |
| Average total loans | $92,393,600 | 4,148 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3186% | 5,326 |
| Cost of funding earning assets | 2.0127% | 3,283 |
| Net interest margin | 3.3059% | 5,619 |
| Noninterest income to average assets | 0.5424% | 4,138 |
| Noninterest expense to average assets | 3.1318% | 3,532 |
| Loan and lease loss provision to assets | 0.1749% | 5,612 |
| Net operating income to assets | 0.1239% | 5,398 |
| Return on assets (ROA) | 0.1481% | 5,391 |
| Pretax return on assets | 0.2250% | 5,242 |
| Return on Equity (ROE) | 1.4874% | 5,337 |
| Retained earnings to average equity (ytd only) | 1.4874% | 4,481 |
| Net charge-offs to loans | 0.7518% | 2,482 |
| Credit loss provision to net charge-offs | 29.9618% | 6,511 |
| Earnings coverage of net charge-offs (x) | 0.6221% | 5,406 |
| Efficiency ratio | 89.6112% | 1,724 |
| Assets per employee ($millions) | 3.0920% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 2,414 |
| Loan loss allowance to noncurrent loans | 129.2237% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 2.4414% | 2,819 |
| Noncurrent loans to loans | 1.3607% | 4,655 |
| Net loans and leases to total assets | 78.6743% | 1,449 |
| Net loans and leases to deposits | 89.8553% | 2,609 |
| Net loans and leases to core deposits | 120.7625% | 2,176 |
| Total domestic deposits to total assets | 87.5567% | 1,859 |
| Equity capital to assets | 9.9671% | 4,129 |
| Core capital (leverage) ratio | 10.0383% | 3,245 |
| Tier 1 risk-based capital ratio | 11.3319% | 5,610 |
| Total risk-based capital ratio | 12.5867% | 5,543 |
| Memoranda: | ||
| Average total assets | $119,714,250 | 4,603 |
| Average earning assets | $106,918,500 | 4,684 |
| Average equity | $11,922,500 | 4,814 |
| Average total loans | $92,924,500 | 4,174 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 6,004 |
| Cost of funding earning assets | 2.1612% | 2,981 |
| Net interest margin | 3.0589% | 6,367 |
| Noninterest income to average assets | 0.6029% | 3,666 |
| Noninterest expense to average assets | 3.1769% | 3,404 |
| Loan and lease loss provision to assets | 0.1373% | 5,703 |
| Net operating income to assets | 0.0151% | 5,794 |
| Return on assets (ROA) | 0.0151% | 5,872 |
| Pretax return on assets | 0.0050% | 5,858 |
| Return on Equity (ROE) | 0.1514% | 5,871 |
| Retained earnings to average equity (ytd only) | 0.1514% | 5,147 |
| Net charge-offs to loans | 0.9399% | 1,841 |
| Credit loss provision to net charge-offs | 19.0255% | 6,138 |
| Earnings coverage of net charge-offs (x) | 0.1972% | 5,476 |
| Efficiency ratio | 95.7114% | 1,398 |
| Assets per employee ($millions) | 2.9156% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 1,814 |
| Loan loss allowance to noncurrent loans | 115.6334% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 2.9960% | 2,124 |
| Noncurrent loans to loans | 1.6377% | 4,041 |
| Net loans and leases to total assets | 76.2279% | 2,130 |
| Net loans and leases to deposits | 86.0959% | 3,537 |
| Net loans and leases to core deposits | 118.0109% | 2,543 |
| Total domestic deposits to total assets | 88.5384% | 1,511 |
| Equity capital to assets | 10.1377% | 3,782 |
| Core capital (leverage) ratio | 9.6571% | 3,692 |
| Tier 1 risk-based capital ratio | 11.3586% | 5,546 |
| Total risk-based capital ratio | 12.6143% | 5,443 |
| Memoranda: | ||
| Average total assets | $119,423,330 | 4,653 |
| Average earning assets | $106,052,670 | 4,723 |
| Average equity | $11,890,330 | 4,844 |
| Average total loans | $91,709,670 | 4,239 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 6,618 |
| Cost of funding earning assets | 2.2675% | 2,848 |
| Net interest margin | 2.8418% | 6,895 |
| Noninterest income to average assets | 0.5231% | 4,116 |
| Noninterest expense to average assets | 2.9266% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0861% | 6,022 |
| Return on assets (ROA) | 0.0861% | 6,186 |
| Pretax return on assets | 0.1192% | 6,122 |
| Return on Equity (ROE) | 0.8722% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.8722% | 5,309 |
| Net charge-offs to loans | 0.6330% | 1,914 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.2466% | 4,781 |
| Efficiency ratio | 96.0870% | 1,319 |
| Assets per employee ($millions) | 2.8590% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 1,111 |
| Loan loss allowance to noncurrent loans | 119.9375% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 2.9381% | 1,931 |
| Noncurrent loans to loans | 1.8127% | 3,544 |
| Net loans and leases to total assets | 71.9120% | 3,256 |
| Net loans and leases to deposits | 84.1198% | 3,962 |
| Net loans and leases to core deposits | 116.2386% | 2,779 |
| Total domestic deposits to total assets | 85.4875% | 2,977 |
| Equity capital to assets | 9.9137% | 4,101 |
| Core capital (leverage) ratio | 9.6648% | 3,799 |
| Tier 1 risk-based capital ratio | 12.0939% | 4,879 |
| Total risk-based capital ratio | 13.3522% | 4,773 |
| Memoranda: | ||
| Average total assets | $120,823,000 | 4,627 |
| Average earning assets | $107,254,500 | 4,709 |
| Average equity | $11,924,000 | 4,854 |
| Average total loans | $92,256,500 | 4,252 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3194% | 3,859 |
| Cost of funding earning assets | 3.0252% | 1,781 |
| Net interest margin | 3.2942% | 6,059 |
| Noninterest income to average assets | 0.3955% | 5,507 |
| Noninterest expense to average assets | 3.0879% | 3,749 |
| Loan and lease loss provision to assets | 1.2563% | 1,138 |
| Net operating income to assets | -0.7427% | 7,094 |
| Return on assets (ROA) | -0.7299% | 6,989 |
| Pretax return on assets | -0.9609% | 6,980 |
| Return on Equity (ROE) | -7.6840% | 7,109 |
| Retained earnings to average equity (ytd only) | -7.6840% | 6,860 |
| Net charge-offs to loans | 1.7553% | 628 |
| Credit loss provision to net charge-offs | 88.8048% | 5,707 |
| Earnings coverage of net charge-offs (x) | 0.1969% | 6,122 |
| Efficiency ratio | 91.7273% | 1,397 |
| Assets per employee ($millions) | 2.8272% | 6,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 1,006 |
| Loan loss allowance to noncurrent loans | 133.8302% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7671% | 1,704 |
| Noncurrent loans to loans | 1.6032% | 3,362 |
| Net loans and leases to total assets | 77.4698% | 2,270 |
| Net loans and leases to deposits | 94.9405% | 2,628 |
| Net loans and leases to core deposits | 134.6256% | 1,559 |
| Total domestic deposits to total assets | 81.5983% | 4,367 |
| Equity capital to assets | 9.8248% | 4,257 |
| Core capital (leverage) ratio | 9.2796% | 4,323 |
| Tier 1 risk-based capital ratio | 11.1971% | 5,541 |
| Total risk-based capital ratio | 12.4562% | 5,417 |
| Memoranda: | ||
| Average total assets | $130,705,800 | 4,266 |
| Average earning assets | $117,875,200 | 4,312 |
| Average equity | $12,415,400 | 4,726 |
| Average total loans | $105,335,600 | 3,811 |