Home > Astra Bank > Performance and Condition Ratios
Astra 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 | 4.4316% | 3,223 |
| Cost of funding earning assets | 1.4844% | 1,980 |
| Net interest margin | 2.9472% | 3,396 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.6366% | 1,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9783% | 483 |
| Return on assets (ROA) | 1.0183% | 2,143 |
| Pretax return on assets | -0.7551% | 4,507 |
| Return on Equity (ROE) | 118.5500% | 12 |
| Retained earnings to average equity (ytd only) | 118.5548% | 7 |
| Net charge-offs to loans | -0.0016% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.1454% | 604 |
| Assets per employee ($millions) | 6.4101% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,288 |
| Loan loss allowance to noncurrent loans | 1,918.7500% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0281% | 3,487 |
| Noncurrent loans to loans | 0.0626% | 3,263 |
| Net loans and leases to total assets | 44.3900% | 3,882 |
| Net loans and leases to deposits | 51.0740% | 3,909 |
| Net loans and leases to core deposits | 53.4070% | 3,992 |
| Total domestic deposits to total assets | 86.9200% | 1,707 |
| Equity capital to assets | 1.7081% | 4,571 |
| Core capital (leverage) ratio | 7.4045% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1211% | 2,801 |
| Memoranda: | ||
| Average total assets | $433,056,400 | 1,907 |
| Average earning assets | $396,245,800 | 1,922 |
| Average equity | $3,719,800 | 4,374 |
| Average total loans | $189,218,000 | 2,365 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 3,230 |
| Cost of funding earning assets | 1.3535% | 1,995 |
| Net interest margin | 2.9799% | 3,377 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.6623% | 1,761 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.5430% | 258 |
| Return on assets (ROA) | 1.2929% | 1,550 |
| Pretax return on assets | -1.1030% | 4,560 |
| Return on Equity (ROE) | 204.2600% | 9 |
| Retained earnings to average equity (ytd only) | 204.2628% | 4 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.7429% | 573 |
| Assets per employee ($millions) | 5.7004% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,116 |
| Loan loss allowance to noncurrent loans | 1,727.4648% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 3,453 |
| Noncurrent loans to loans | 0.0722% | 3,239 |
| Net loans and leases to total assets | 47.9700% | 3,740 |
| Net loans and leases to deposits | 52.9077% | 3,844 |
| Net loans and leases to core deposits | 55.0696% | 3,897 |
| Total domestic deposits to total assets | 90.6600% | 759 |
| Equity capital to assets | 0.0936% | 4,592 |
| Core capital (leverage) ratio | 7.7774% | 4,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5144% | 2,723 |
| Memoranda: | ||
| Average total assets | $427,540,500 | 1,927 |
| Average earning assets | $391,459,750 | 1,943 |
| Average equity | $2,706,250 | 4,467 |
| Average total loans | $185,399,250 | 2,396 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 3,320 |
| Cost of funding earning assets | 1.3368% | 1,618 |
| Net interest margin | 2.8500% | 3,732 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.5693% | 2,002 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.5852% | 112 |
| Return on assets (ROA) | 2.0903% | 405 |
| Pretax return on assets | -1.4418% | 4,603 |
| Return on Equity (ROE) | 261.2300% | 3 |
| Retained earnings to average equity (ytd only) | 261.2292% | 1 |
| Net charge-offs to loans | -0.0154% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.0837% | 540 |
| Assets per employee ($millions) | 5.8497% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 1,988 |
| Loan loss allowance to noncurrent loans | 710.9510% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 2,960 |
| Noncurrent loans to loans | 0.1808% | 2,575 |
| Net loans and leases to total assets | 44.9800% | 3,842 |
| Net loans and leases to deposits | 49.8176% | 3,924 |
| Net loans and leases to core deposits | 52.1188% | 3,951 |
| Total domestic deposits to total assets | 90.2800% | 849 |
| Equity capital to assets | 1.4433% | 4,618 |
| Core capital (leverage) ratio | 7.4105% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6098% | 2,734 |
| Memoranda: | ||
| Average total assets | $435,144,000 | 1,899 |
| Average earning assets | $399,299,333 | 1,911 |
| Average equity | $3,482,000 | 4,438 |
| Average total loans | $181,668,333 | 2,425 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 3,140 |
| Cost of funding earning assets | 1.3490% | 1,134 |
| Net interest margin | 2.8015% | 3,941 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.5368% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 7.2047% | 52 |
| Return on assets (ROA) | 6.5764% | 59 |
| Pretax return on assets | -0.3791% | 4,553 |
| Return on Equity (ROE) | 1,331.6200% | 2 |
| Retained earnings to average equity (ytd only) | 1,331.6235% | 1 |
| Net charge-offs to loans | -0.0272% | 4,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.9069% | 513 |
| Assets per employee ($millions) | 5.9799% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 1,614 |
| Loan loss allowance to noncurrent loans | 627.2265% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 2,899 |
| Noncurrent loans to loans | 0.2235% | 2,371 |
| Net loans and leases to total assets | 40.2700% | 4,031 |
| Net loans and leases to deposits | 44.0729% | 4,097 |
| Net loans and leases to core deposits | 46.0423% | 4,110 |
| Total domestic deposits to total assets | 91.3700% | 681 |
| Equity capital to assets | 1.7341% | 4,643 |
| Core capital (leverage) ratio | 7.3899% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8867% | 2,436 |
| Memoranda: | ||
| Average total assets | $442,126,000 | 1,899 |
| Average earning assets | $405,643,500 | 1,915 |
| Average equity | $2,183,500 | 4,597 |
| Average total loans | $176,552,500 | 2,496 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4998% | 3,073 |
| Cost of funding earning assets | 0.4961% | 1,419 |
| Net interest margin | 3.0037% | 3,441 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.7403% | 1,463 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.4727% | 4,128 |
| Return on assets (ROA) | 0.4626% | 4,108 |
| Pretax return on assets | 0.4771% | 4,199 |
| Return on Equity (ROE) | 23.5200% | 259 |
| Retained earnings to average equity (ytd only) | 9.9138% | 1,184 |
| Net charge-offs to loans | 0.0538% | 1,127 |
| Credit loss provision to net charge-offs | 27.4725% | 1,908 |
| Earnings coverage of net charge-offs (x) | 22.3956% | 1,839 |
| Efficiency ratio | 84.4529% | 473 |
| Assets per employee ($millions) | 6.3014% | 2,509 |
| Cash dividends to net income (ytd only)* | 57.8534% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 1,555 |
| Loan loss allowance to noncurrent loans | 596.8370% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 2,914 |
| Noncurrent loans to loans | 0.2319% | 2,346 |
| Net loans and leases to total assets | 38.5300% | 4,123 |
| Net loans and leases to deposits | 40.8877% | 4,218 |
| Net loans and leases to core deposits | 43.5482% | 4,194 |
| Total domestic deposits to total assets | 94.2300% | 217 |
| Equity capital to assets | -0.6830% | 4,714 |
| Core capital (leverage) ratio | 7.9721% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2506% | 2,264 |
| Memoranda: | ||
| Average total assets | $412,916,400 | 1,975 |
| Average earning assets | $383,592,800 | 1,974 |
| Average equity | $8,120,000 | 4,089 |
| Average total loans | $169,300,200 | 2,464 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4133% | 2,880 |
| Cost of funding earning assets | 0.3090% | 2,069 |
| Net interest margin | 3.1043% | 2,925 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.7433% | 1,371 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.5650% | 3,925 |
| Return on assets (ROA) | 0.5698% | 3,866 |
| Pretax return on assets | 0.5850% | 4,015 |
| Return on Equity (ROE) | 21.0000% | 359 |
| Retained earnings to average equity (ytd only) | 10.9351% | 1,071 |
| Net charge-offs to loans | 0.0773% | 764 |
| Credit loss provision to net charge-offs | 25.7732% | 1,614 |
| Earnings coverage of net charge-offs (x) | 18.3196% | 1,768 |
| Efficiency ratio | 81.9636% | 654 |
| Assets per employee ($millions) | 5.4849% | 3,238 |
| Cash dividends to net income (ytd only)* | 47.9372% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 1,458 |
| Loan loss allowance to noncurrent loans | 411.9529% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,549 |
| Noncurrent loans to loans | 0.3514% | 1,975 |
| Net loans and leases to total assets | 42.7800% | 3,951 |
| Net loans and leases to deposits | 43.3823% | 4,132 |
| Net loans and leases to core deposits | 45.0879% | 4,142 |
| Total domestic deposits to total assets | 98.6000% | 40 |
| Equity capital to assets | -2.1306% | 4,755 |
| Core capital (leverage) ratio | 8.1384% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1701% | 1,983 |
| Memoranda: | ||
| Average total assets | $402,720,250 | 2,034 |
| Average earning assets | $375,342,250 | 2,025 |
| Average equity | $10,924,750 | 3,816 |
| Average total loans | $167,310,000 | 2,477 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2562% | 2,884 |
| Cost of funding earning assets | 0.2051% | 2,851 |
| Net interest margin | 3.0511% | 2,718 |
| Noninterest income to average assets | 0.4180% | 2,643 |
| Noninterest expense to average assets | 2.6845% | 1,427 |
| Loan and lease loss provision to assets | 0.0123% | 2,376 |
| Net operating income to assets | 0.5635% | 3,721 |
| Return on assets (ROA) | 0.5713% | 3,654 |
| Pretax return on assets | 0.5796% | 3,852 |
| Return on Equity (ROE) | 13.4203% | 1,263 |
| Retained earnings to average equity (ytd only) | 7.0736% | 1,960 |
| Net charge-offs to loans | 0.0960% | 603 |
| Credit loss provision to net charge-offs | 31.2500% | 1,566 |
| Earnings coverage of net charge-offs (x) | 14.8625% | 1,645 |
| Efficiency ratio | 81.5600% | 832 |
| Assets per employee ($millions) | 5.4942% | 3,239 |
| Cash dividends to net income (ytd only)* | 47.2915% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,443 |
| Loan loss allowance to noncurrent loans | 441.5771% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 2,739 |
| Noncurrent loans to loans | 0.3373% | 2,130 |
| Net loans and leases to total assets | 40.6338% | 4,045 |
| Net loans and leases to deposits | 40.9850% | 4,233 |
| Net loans and leases to core deposits | 42.5463% | 4,246 |
| Total domestic deposits to total assets | 99.1431% | 10 |
| Equity capital to assets | 0.7565% | 4,752 |
| Core capital (leverage) ratio | 8.0110% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0636% | 2,035 |
| Memoranda: | ||
| Average total assets | $407,151,333 | 2,025 |
| Average earning assets | $380,383,000 | 2,018 |
| Average equity | $17,332,000 | 3,292 |
| Average total loans | $166,736,667 | 2,493 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1552% | 2,812 |
| Cost of funding earning assets | 0.1678% | 3,248 |
| Net interest margin | 2.9874% | 2,539 |
| Noninterest income to average assets | 0.4115% | 2,607 |
| Noninterest expense to average assets | 2.6407% | 1,502 |
| Loan and lease loss provision to assets | 0.0146% | 2,089 |
| Net operating income to assets | 0.5271% | 3,635 |
| Return on assets (ROA) | 0.5383% | 3,565 |
| Pretax return on assets | 0.5636% | 3,723 |
| Return on Equity (ROE) | 9.0192% | 2,315 |
| Retained earnings to average equity (ytd only) | 4.6077% | 2,737 |
| Net charge-offs to loans | -0.0239% | 3,992 |
| Credit loss provision to net charge-offs | -150.0000% | 2,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1797% | 1,056 |
| Assets per employee ($millions) | 5.7834% | 3,024 |
| Cash dividends to net income (ytd only)* | 48.9130% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 1,251 |
| Loan loss allowance to noncurrent loans | 458.3784% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 2,845 |
| Noncurrent loans to loans | 0.3508% | 2,227 |
| Net loans and leases to total assets | 37.9069% | 4,121 |
| Net loans and leases to deposits | 39.5317% | 4,267 |
| Net loans and leases to core deposits | 40.0050% | 4,314 |
| Total domestic deposits to total assets | 95.8899% | 14 |
| Equity capital to assets | 3.9469% | 4,780 |
| Core capital (leverage) ratio | 7.7439% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8915% | 2,263 |
| Memoranda: | ||
| Average total assets | $410,189,500 | 2,019 |
| Average earning assets | $383,877,500 | 2,011 |
| Average equity | $24,481,000 | 2,807 |
| Average total loans | $167,387,000 | 2,487 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 2,862 |
| Cost of funding earning assets | 0.1487% | 3,992 |
| Net interest margin | 3.2774% | 2,375 |
| Noninterest income to average assets | 0.4962% | 2,589 |
| Noninterest expense to average assets | 2.7499% | 1,482 |
| Loan and lease loss provision to assets | 0.0156% | 2,768 |
| Net operating income to assets | 0.7468% | 3,502 |
| Return on assets (ROA) | 0.8902% | 3,135 |
| Pretax return on assets | 0.9280% | 3,430 |
| Return on Equity (ROE) | 10.4520% | 2,368 |
| Retained earnings to average equity (ytd only) | 6.5081% | 2,121 |
| Net charge-offs to loans | -0.0224% | 4,021 |
| Credit loss provision to net charge-offs | -153.8462% | 3,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9368% | 1,112 |
| Assets per employee ($millions) | 5.7712% | 2,989 |
| Cash dividends to net income (ytd only)* | 37.7331% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 1,815 |
| Loan loss allowance to noncurrent loans | 487.2340% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 3,054 |
| Noncurrent loans to loans | 0.2928% | 2,540 |
| Net loans and leases to total assets | 42.4781% | 3,954 |
| Net loans and leases to deposits | 46.2224% | 4,081 |
| Net loans and leases to core deposits | 46.7698% | 4,154 |
| Total domestic deposits to total assets | 91.8993% | 204 |
| Equity capital to assets | 7.9938% | 4,365 |
| Core capital (leverage) ratio | 8.2233% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7540% | 2,339 |
| Memoranda: | ||
| Average total assets | $385,542,600 | 2,036 |
| Average earning assets | $358,548,200 | 2,047 |
| Average equity | $32,835,800 | 2,390 |
| Average total loans | $174,440,600 | 2,425 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4880% | 2,866 |
| Cost of funding earning assets | 0.1498% | 4,110 |
| Net interest margin | 3.3382% | 2,310 |
| Noninterest income to average assets | 0.4343% | 2,911 |
| Noninterest expense to average assets | 2.7236% | 1,526 |
| Loan and lease loss provision to assets | 0.0158% | 2,688 |
| Net operating income to assets | 0.7650% | 3,613 |
| Return on assets (ROA) | 0.9441% | 3,186 |
| Pretax return on assets | 0.9816% | 3,516 |
| Return on Equity (ROE) | 10.9039% | 2,397 |
| Retained earnings to average equity (ytd only) | 6.7850% | 2,499 |
| Net charge-offs to loans | -0.0222% | 4,007 |
| Credit loss provision to net charge-offs | -155.1724% | 3,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3777% | 1,084 |
| Assets per employee ($millions) | 5.4779% | 3,221 |
| Cash dividends to net income (ytd only)* | 37.7745% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 1,760 |
| Loan loss allowance to noncurrent loans | 313.7107% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 2,747 |
| Noncurrent loans to loans | 0.4673% | 2,158 |
| Net loans and leases to total assets | 43.7180% | 3,976 |
| Net loans and leases to deposits | 48.9840% | 4,063 |
| Net loans and leases to core deposits | 49.5127% | 4,171 |
| Total domestic deposits to total assets | 89.2496% | 1,149 |
| Equity capital to assets | 8.6633% | 4,094 |
| Core capital (leverage) ratio | 8.1825% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5147% | 2,159 |
| Memoranda: | ||
| Average total assets | $379,489,000 | 2,084 |
| Average earning assets | $352,433,000 | 2,091 |
| Average equity | $32,856,000 | 2,422 |
| Average total loans | $173,906,750 | 2,473 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3202% | 3,375 |
| Cost of funding earning assets | 0.1499% | 4,205 |
| Net interest margin | 3.1703% | 2,848 |
| Noninterest income to average assets | 0.4067% | 3,074 |
| Noninterest expense to average assets | 2.6681% | 1,667 |
| Loan and lease loss provision to assets | 0.0159% | 2,634 |
| Net operating income to assets | 0.6426% | 3,890 |
| Return on assets (ROA) | 0.8488% | 3,445 |
| Pretax return on assets | 0.8763% | 3,714 |
| Return on Equity (ROE) | 9.8061% | 2,827 |
| Retained earnings to average equity (ytd only) | 5.2849% | 3,080 |
| Net charge-offs to loans | -0.0274% | 4,124 |
| Credit loss provision to net charge-offs | -125.0000% | 3,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9147% | 915 |
| Assets per employee ($millions) | 5.6250% | 2,989 |
| Cash dividends to net income (ytd only)* | 46.1059% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,758 |
| Loan loss allowance to noncurrent loans | 308.0946% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 2,030 |
| Noncurrent loans to loans | 0.4714% | 2,261 |
| Net loans and leases to total assets | 43.8874% | 4,050 |
| Net loans and leases to deposits | 48.0707% | 4,211 |
| Net loans and leases to core deposits | 48.5554% | 4,301 |
| Total domestic deposits to total assets | 91.2978% | 285 |
| Equity capital to assets | 8.4913% | 4,211 |
| Core capital (leverage) ratio | 7.9196% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1382% | 2,311 |
| Memoranda: | ||
| Average total assets | $378,167,000 | 2,083 |
| Average earning assets | $350,824,000 | 2,087 |
| Average equity | $32,734,667 | 2,419 |
| Average total loans | $175,164,667 | 2,473 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0925% | 3,899 |
| Cost of funding earning assets | 0.1528% | 4,285 |
| Net interest margin | 2.9397% | 3,409 |
| Noninterest income to average assets | 0.5330% | 2,468 |
| Noninterest expense to average assets | 2.6851% | 1,652 |
| Loan and lease loss provision to assets | 0.0160% | 2,567 |
| Net operating income to assets | 0.5285% | 4,120 |
| Return on assets (ROA) | 0.7277% | 3,708 |
| Pretax return on assets | 0.7606% | 3,884 |
| Return on Equity (ROE) | 8.3256% | 3,233 |
| Retained earnings to average equity (ytd only) | 1.7528% | 4,064 |
| Net charge-offs to loans | -0.0315% | 4,195 |
| Credit loss provision to net charge-offs | -107.1429% | 2,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6800% | 781 |
| Assets per employee ($millions) | 5.6899% | 2,923 |
| Cash dividends to net income (ytd only)* | 78.9474% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 1,959 |
| Loan loss allowance to noncurrent loans | 231.0377% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 1,947 |
| Noncurrent loans to loans | 0.6058% | 2,055 |
| Net loans and leases to total assets | 45.2590% | 4,021 |
| Net loans and leases to deposits | 49.3761% | 4,201 |
| Net loans and leases to core deposits | 50.0228% | 4,296 |
| Total domestic deposits to total assets | 91.6618% | 203 |
| Equity capital to assets | 8.1181% | 4,419 |
| Core capital (leverage) ratio | 7.8739% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6355% | 2,431 |
| Memoranda: | ||
| Average total assets | $376,001,000 | 2,078 |
| Average earning assets | $348,065,000 | 2,088 |
| Average equity | $32,862,500 | 2,404 |
| Average total loans | $177,575,500 | 2,451 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,394 |
| Cost of funding earning assets | 0.2574% | 4,351 |
| Net interest margin | 3.8514% | 1,350 |
| Noninterest income to average assets | 0.4244% | 2,996 |
| Noninterest expense to average assets | 2.9228% | 1,626 |
| Loan and lease loss provision to assets | 0.0839% | 3,332 |
| Net operating income to assets | 0.9234% | 2,595 |
| Return on assets (ROA) | 0.9579% | 2,593 |
| Pretax return on assets | 0.9965% | 3,053 |
| Return on Equity (ROE) | 9.5476% | 2,182 |
| Retained earnings to average equity (ytd only) | 2.9754% | 3,370 |
| Net charge-offs to loans | 0.1595% | 1,023 |
| Credit loss provision to net charge-offs | 91.5033% | 2,919 |
| Earnings coverage of net charge-offs (x) | 11.3889% | 2,406 |
| Efficiency ratio | 71.9649% | 1,688 |
| Assets per employee ($millions) | 5.5340% | 2,811 |
| Cash dividends to net income (ytd only)* | 68.8360% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 2,220 |
| Loan loss allowance to noncurrent loans | 210.9852% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 1,989 |
| Noncurrent loans to loans | 0.6366% | 2,093 |
| Net loans and leases to total assets | 47.9380% | 3,979 |
| Net loans and leases to deposits | 53.0185% | 4,164 |
| Net loans and leases to core deposits | 53.6611% | 4,273 |
| Total domestic deposits to total assets | 90.4175% | 409 |
| Equity capital to assets | 9.3794% | 3,716 |
| Core capital (leverage) ratio | 8.3416% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5385% | 2,429 |
| Memoranda: | ||
| Average total assets | $333,652,600 | 2,121 |
| Average earning assets | $306,924,000 | 2,137 |
| Average equity | $33,474,400 | 2,317 |
| Average total loans | $191,868,600 | 2,310 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 1,890 |
| Cost of funding earning assets | 0.2885% | 4,358 |
| Net interest margin | 4.0964% | 903 |
| Noninterest income to average assets | 0.5212% | 2,523 |
| Noninterest expense to average assets | 2.9221% | 1,643 |
| Loan and lease loss provision to assets | 0.0925% | 3,157 |
| Net operating income to assets | 1.2334% | 1,541 |
| Return on assets (ROA) | 1.2672% | 1,546 |
| Pretax return on assets | 1.3125% | 2,001 |
| Return on Equity (ROE) | 12.4004% | 1,273 |
| Retained earnings to average equity (ytd only) | 5.7437% | 2,213 |
| Net charge-offs to loans | 0.2177% | 705 |
| Credit loss provision to net charge-offs | 70.7547% | 2,805 |
| Earnings coverage of net charge-offs (x) | 10.4811% | 2,355 |
| Efficiency ratio | 66.4624% | 2,405 |
| Assets per employee ($millions) | 5.4629% | 2,744 |
| Cash dividends to net income (ytd only)* | 53.6815% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,620 |
| Loan loss allowance to noncurrent loans | 361.4439% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4205% | 2,484 |
| Noncurrent loans to loans | 0.3342% | 3,083 |
| Net loans and leases to total assets | 55.0378% | 3,705 |
| Net loans and leases to deposits | 62.1340% | 3,922 |
| Net loans and leases to core deposits | 62.8981% | 4,059 |
| Total domestic deposits to total assets | 88.5792% | 946 |
| Equity capital to assets | 9.9767% | 3,248 |
| Core capital (leverage) ratio | 8.5277% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7833% | 2,292 |
| Memoranda: | ||
| Average total assets | $324,370,500 | 2,148 |
| Average earning assets | $298,596,500 | 2,164 |
| Average equity | $33,148,750 | 2,321 |
| Average total loans | $194,794,500 | 2,282 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 1,433 |
| Cost of funding earning assets | 0.3327% | 4,352 |
| Net interest margin | 4.3564% | 668 |
| Noninterest income to average assets | 0.5102% | 2,525 |
| Noninterest expense to average assets | 2.9897% | 1,594 |
| Loan and lease loss provision to assets | 0.0950% | 3,084 |
| Net operating income to assets | 1.3910% | 1,133 |
| Return on assets (ROA) | 1.4414% | 1,122 |
| Pretax return on assets | 1.4888% | 1,482 |
| Return on Equity (ROE) | 13.9816% | 893 |
| Retained earnings to average equity (ytd only) | 7.1965% | 1,574 |
| Net charge-offs to loans | 0.0945% | 1,317 |
| Credit loss provision to net charge-offs | 163.0435% | 2,067 |
| Earnings coverage of net charge-offs (x) | 26.3043% | 1,530 |
| Efficiency ratio | 64.5387% | 2,742 |
| Assets per employee ($millions) | 5.2977% | 2,839 |
| Cash dividends to net income (ytd only)* | 48.5288% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 2,310 |
| Loan loss allowance to noncurrent loans | 153.2436% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 2,379 |
| Noncurrent loans to loans | 0.8086% | 1,877 |
| Net loans and leases to total assets | 57.0807% | 3,598 |
| Net loans and leases to deposits | 64.1252% | 3,875 |
| Net loans and leases to core deposits | 65.4412% | 3,998 |
| Total domestic deposits to total assets | 89.0144% | 734 |
| Equity capital to assets | 9.7807% | 3,391 |
| Core capital (leverage) ratio | 8.7517% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7145% | 2,305 |
| Memoranda: | ||
| Average total assets | $315,952,333 | 2,168 |
| Average earning assets | $290,925,667 | 2,181 |
| Average equity | $32,571,333 | 2,333 |
| Average total loans | $194,799,667 | 2,253 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,276 |
| Cost of funding earning assets | 0.4545% | 4,134 |
| Net interest margin | 4.0601% | 1,224 |
| Noninterest income to average assets | 0.5282% | 2,395 |
| Noninterest expense to average assets | 3.0946% | 1,653 |
| Loan and lease loss provision to assets | 0.1003% | 2,429 |
| Net operating income to assets | 1.0409% | 2,034 |
| Return on assets (ROA) | 1.0846% | 1,991 |
| Pretax return on assets | 1.0926% | 2,551 |
| Return on Equity (ROE) | 10.2147% | 1,671 |
| Retained earnings to average equity (ytd only) | 3.2244% | 2,989 |
| Net charge-offs to loans | 0.0816% | 1,214 |
| Credit loss provision to net charge-offs | 192.3077% | 1,436 |
| Earnings coverage of net charge-offs (x) | 22.0256% | 1,372 |
| Efficiency ratio | 71.1314% | 2,197 |
| Assets per employee ($millions) | 4.5911% | 3,139 |
| Cash dividends to net income (ytd only)* | 68.4340% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 2,031 |
| Loan loss allowance to noncurrent loans | 124.7863% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 1,922 |
| Noncurrent loans to loans | 1.0612% | 1,564 |
| Net loans and leases to total assets | 61.0340% | 3,393 |
| Net loans and leases to deposits | 68.5810% | 3,688 |
| Net loans and leases to core deposits | 69.4828% | 3,910 |
| Total domestic deposits to total assets | 88.9955% | 664 |
| Equity capital to assets | 10.6543% | 3,190 |
| Core capital (leverage) ratio | 9.5950% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2740% | 2,581 |
| Memoranda: | ||
| Average total assets | $299,104,000 | 2,218 |
| Average earning assets | $273,691,000 | 2,237 |
| Average equity | $31,758,000 | 2,366 |
| Average total loans | $191,156,500 | 2,253 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 2,327 |
| Cost of funding earning assets | 0.6430% | 3,447 |
| Net interest margin | 4.0568% | 1,659 |
| Noninterest income to average assets | 0.5488% | 2,488 |
| Noninterest expense to average assets | 3.0822% | 1,804 |
| Loan and lease loss provision to assets | 0.2015% | 1,009 |
| Net operating income to assets | 0.9184% | 3,131 |
| Return on assets (ROA) | 0.9700% | 3,034 |
| Pretax return on assets | 1.0143% | 3,431 |
| Return on Equity (ROE) | 9.5565% | 2,497 |
| Retained earnings to average equity (ytd only) | 2.0781% | 3,960 |
| Net charge-offs to loans | 0.0112% | 3,292 |
| Credit loss provision to net charge-offs | 2,727.2727% | 145 |
| Earnings coverage of net charge-offs (x) | 157.2727% | 479 |
| Efficiency ratio | 70.8317% | 2,042 |
| Assets per employee ($millions) | 4.5415% | 3,165 |
| Cash dividends to net income (ytd only)* | 78.2548% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,143 |
| Loan loss allowance to noncurrent loans | 70.7550% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 960 |
| Noncurrent loans to loans | 1.7738% | 762 |
| Net loans and leases to total assets | 65.1922% | 3,047 |
| Net loans and leases to deposits | 73.1949% | 3,418 |
| Net loans and leases to core deposits | 74.3291% | 3,692 |
| Total domestic deposits to total assets | 89.0665% | 642 |
| Equity capital to assets | 10.5801% | 3,365 |
| Core capital (leverage) ratio | 9.6926% | 3,854 |
| Tier 1 risk-based capital ratio | 12.0781% | 4,318 |
| Total risk-based capital ratio | 13.1224% | 4,305 |
| Memoranda: | ||
| Average total assets | $297,742,600 | 2,170 |
| Average earning assets | $271,223,400 | 2,198 |
| Average equity | $30,220,400 | 2,379 |
| Average total loans | $197,000,400 | 2,188 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7100% | 2,390 |
| Cost of funding earning assets | 0.6752% | 3,330 |
| Net interest margin | 4.0349% | 1,815 |
| Noninterest income to average assets | 0.5076% | 2,680 |
| Noninterest expense to average assets | 3.0828% | 1,751 |
| Loan and lease loss provision to assets | 0.2011% | 874 |
| Net operating income to assets | 0.8617% | 3,478 |
| Return on assets (ROA) | 0.9406% | 3,271 |
| Pretax return on assets | 0.9831% | 3,642 |
| Return on Equity (ROE) | 9.3655% | 2,733 |
| Retained earnings to average equity (ytd only) | 1.8241% | 4,332 |
| Net charge-offs to loans | 0.0148% | 2,866 |
| Credit loss provision to net charge-offs | 2,045.4545% | 199 |
| Earnings coverage of net charge-offs (x) | 112.1009% | 691 |
| Efficiency ratio | 71.8633% | 1,860 |
| Assets per employee ($millions) | 4.2173% | 3,591 |
| Cash dividends to net income (ytd only)* | 80.5223% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 2,706 |
| Loan loss allowance to noncurrent loans | 194.4115% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 2,649 |
| Noncurrent loans to loans | 0.5977% | 2,490 |
| Net loans and leases to total assets | 68.1006% | 2,777 |
| Net loans and leases to deposits | 77.4884% | 3,154 |
| Net loans and leases to core deposits | 79.0740% | 3,463 |
| Total domestic deposits to total assets | 87.8850% | 1,084 |
| Equity capital to assets | 10.8304% | 3,267 |
| Core capital (leverage) ratio | 9.7210% | 3,944 |
| Tier 1 risk-based capital ratio | 11.9519% | 4,437 |
| Total risk-based capital ratio | 12.9314% | 4,482 |
| Memoranda: | ||
| Average total assets | $298,379,500 | 2,187 |
| Average earning assets | $271,923,000 | 2,217 |
| Average equity | $29,967,500 | 2,411 |
| Average total loans | $197,528,000 | 2,205 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 2,566 |
| Cost of funding earning assets | 0.7033% | 3,156 |
| Net interest margin | 3.9316% | 2,146 |
| Noninterest income to average assets | 0.4910% | 2,726 |
| Noninterest expense to average assets | 3.0167% | 1,964 |
| Loan and lease loss provision to assets | 0.2151% | 782 |
| Net operating income to assets | 0.8092% | 3,620 |
| Return on assets (ROA) | 0.9019% | 3,344 |
| Pretax return on assets | 0.9403% | 3,741 |
| Return on Equity (ROE) | 9.2083% | 2,773 |
| Retained earnings to average equity (ytd only) | 1.6079% | 4,245 |
| Net charge-offs to loans | 0.0213% | 2,427 |
| Credit loss provision to net charge-offs | 1,547.6190% | 236 |
| Earnings coverage of net charge-offs (x) | 76.1905% | 844 |
| Efficiency ratio | 72.1870% | 1,892 |
| Assets per employee ($millions) | 4.3449% | 3,376 |
| Cash dividends to net income (ytd only)* | 82.5385% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 3,112 |
| Loan loss allowance to noncurrent loans | 142.0536% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 2,300 |
| Noncurrent loans to loans | 0.7689% | 2,062 |
| Net loans and leases to total assets | 66.5683% | 3,031 |
| Net loans and leases to deposits | 77.3166% | 3,213 |
| Net loans and leases to core deposits | 79.6909% | 3,448 |
| Total domestic deposits to total assets | 86.0983% | 1,976 |
| Equity capital to assets | 10.3824% | 3,622 |
| Core capital (leverage) ratio | 9.4575% | 4,193 |
| Tier 1 risk-based capital ratio | 11.8546% | 4,501 |
| Total risk-based capital ratio | 12.7813% | 4,560 |
| Memoranda: | ||
| Average total assets | $302,247,000 | 2,174 |
| Average earning assets | $275,559,330 | 2,185 |
| Average equity | $29,603,670 | 2,425 |
| Average total loans | $197,506,330 | 2,208 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 2,800 |
| Cost of funding earning assets | 0.7026% | 3,038 |
| Net interest margin | 3.8172% | 2,459 |
| Noninterest income to average assets | 0.4738% | 2,710 |
| Noninterest expense to average assets | 2.9629% | 2,099 |
| Loan and lease loss provision to assets | 0.2290% | 668 |
| Net operating income to assets | 0.7313% | 3,839 |
| Return on assets (ROA) | 0.7878% | 3,710 |
| Pretax return on assets | 0.8245% | 3,984 |
| Return on Equity (ROE) | 8.2840% | 3,124 |
| Retained earnings to average equity (ytd only) | 0.4403% | 4,447 |
| Net charge-offs to loans | 0.0488% | 1,583 |
| Credit loss provision to net charge-offs | 729.1667% | 475 |
| Earnings coverage of net charge-offs (x) | 31.6667% | 1,301 |
| Efficiency ratio | 73.0159% | 1,883 |
| Assets per employee ($millions) | 4.1978% | 3,630 |
| Cash dividends to net income (ytd only)* | 94.6844% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,508 |
| Loan loss allowance to noncurrent loans | 102.9577% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 1,946 |
| Noncurrent loans to loans | 1.0033% | 1,665 |
| Net loans and leases to total assets | 64.9006% | 3,180 |
| Net loans and leases to deposits | 74.2603% | 3,432 |
| Net loans and leases to core deposits | 78.1287% | 3,510 |
| Total domestic deposits to total assets | 87.3961% | 1,617 |
| Equity capital to assets | 9.9660% | 3,859 |
| Core capital (leverage) ratio | 9.0846% | 4,588 |
| Tier 1 risk-based capital ratio | 11.9364% | 4,495 |
| Total risk-based capital ratio | 12.8121% | 4,594 |
| Memoranda: | ||
| Average total assets | $305,644,000 | 2,166 |
| Average earning assets | $278,949,000 | 2,185 |
| Average equity | $29,068,000 | 2,462 |
| Average total loans | $196,834,500 | 2,228 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 2,448 |
| Cost of funding earning assets | 0.6384% | 2,472 |
| Net interest margin | 3.8655% | 2,443 |
| Noninterest income to average assets | 0.5436% | 2,589 |
| Noninterest expense to average assets | 3.1268% | 1,736 |
| Loan and lease loss provision to assets | 0.1096% | 2,006 |
| Net operating income to assets | 0.8091% | 3,771 |
| Return on assets (ROA) | 0.8020% | 3,798 |
| Pretax return on assets | 0.8324% | 4,086 |
| Return on Equity (ROE) | 8.7517% | 3,122 |
| Retained earnings to average equity (ytd only) | -0.2011% | 5,011 |
| Net charge-offs to loans | 0.2551% | 757 |
| Credit loss provision to net charge-offs | 69.1837% | 2,999 |
| Earnings coverage of net charge-offs (x) | 5.9918% | 3,134 |
| Efficiency ratio | 74.9147% | 1,507 |
| Assets per employee ($millions) | 4.5398% | 3,108 |
| Cash dividends to net income (ytd only)* | 102.2984% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 3,985 |
| Loan loss allowance to noncurrent loans | 142.5954% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 2,705 |
| Noncurrent loans to loans | 0.6609% | 2,343 |
| Net loans and leases to total assets | 62.6827% | 3,498 |
| Net loans and leases to deposits | 69.3683% | 3,871 |
| Net loans and leases to core deposits | 78.0512% | 3,578 |
| Total domestic deposits to total assets | 90.3622% | 360 |
| Equity capital to assets | 9.0769% | 4,514 |
| Core capital (leverage) ratio | 8.6880% | 4,888 |
| Tier 1 risk-based capital ratio | 11.4643% | 4,739 |
| Total risk-based capital ratio | 12.2506% | 4,872 |
| Memoranda: | ||
| Average total assets | $309,228,200 | 2,094 |
| Average earning assets | $282,603,000 | 2,119 |
| Average equity | $28,337,400 | 2,439 |
| Average total loans | $192,113,600 | 2,232 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4157% | 2,576 |
| Cost of funding earning assets | 0.5861% | 2,576 |
| Net interest margin | 3.8296% | 2,529 |
| Noninterest income to average assets | 0.5412% | 2,614 |
| Noninterest expense to average assets | 3.1530% | 1,632 |
| Loan and lease loss provision to assets | 0.0818% | 2,314 |
| Net operating income to assets | 0.7816% | 3,965 |
| Return on assets (ROA) | 0.7920% | 3,943 |
| Pretax return on assets | 0.8193% | 4,245 |
| Return on Equity (ROE) | 8.6223% | 3,281 |
| Retained earnings to average equity (ytd only) | -0.6640% | 5,111 |
| Net charge-offs to loans | 0.2917% | 569 |
| Credit loss provision to net charge-offs | 45.3237% | 2,869 |
| Earnings coverage of net charge-offs (x) | 4.9352% | 3,006 |
| Efficiency ratio | 76.1742% | 1,331 |
| Assets per employee ($millions) | 4.3202% | 3,399 |
| Cash dividends to net income (ytd only)* | 107.7009% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 4,222 |
| Loan loss allowance to noncurrent loans | 139.8438% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 2,786 |
| Noncurrent loans to loans | 0.6520% | 2,457 |
| Net loans and leases to total assets | 60.8481% | 3,760 |
| Net loans and leases to deposits | 68.6158% | 4,014 |
| Net loans and leases to core deposits | 81.4680% | 3,368 |
| Total domestic deposits to total assets | 88.6793% | 967 |
| Equity capital to assets | 8.5740% | 4,879 |
| Core capital (leverage) ratio | 8.5626% | 5,056 |
| Tier 1 risk-based capital ratio | 11.4668% | 4,805 |
| Total risk-based capital ratio | 12.2242% | 4,944 |
| Memoranda: | ||
| Average total assets | $308,223,750 | 2,113 |
| Average earning assets | $281,869,000 | 2,133 |
| Average equity | $28,313,500 | 2,446 |
| Average total loans | $190,587,250 | 2,254 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,679 |
| Cost of funding earning assets | 0.5036% | 2,984 |
| Net interest margin | 3.8225% | 2,492 |
| Noninterest income to average assets | 0.5677% | 2,486 |
| Noninterest expense to average assets | 3.2037% | 1,530 |
| Loan and lease loss provision to assets | 0.0519% | 2,877 |
| Net operating income to assets | 0.7797% | 3,922 |
| Return on assets (ROA) | 0.7957% | 3,873 |
| Pretax return on assets | 0.8193% | 4,194 |
| Return on Equity (ROE) | 8.4643% | 3,281 |
| Retained earnings to average equity (ytd only) | -0.6850% | 5,045 |
| Net charge-offs to loans | 0.0307% | 2,244 |
| Credit loss provision to net charge-offs | 272.4138% | 1,085 |
| Earnings coverage of net charge-offs (x) | 44.8621% | 1,211 |
| Efficiency ratio | 77.1086% | 1,301 |
| Assets per employee ($millions) | 4.0316% | 3,842 |
| Cash dividends to net income (ytd only)* | 108.0925% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 3,440 |
| Loan loss allowance to noncurrent loans | 81.0419% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 1,750 |
| Noncurrent loans to loans | 1.3196% | 1,295 |
| Net loans and leases to total assets | 60.0920% | 3,798 |
| Net loans and leases to deposits | 71.7427% | 3,732 |
| Net loans and leases to core deposits | 79.9373% | 3,426 |
| Total domestic deposits to total assets | 83.7604% | 3,146 |
| Equity capital to assets | 8.8003% | 4,718 |
| Core capital (leverage) ratio | 8.8839% | 4,805 |
| Tier 1 risk-based capital ratio | 11.5566% | 4,765 |
| Total risk-based capital ratio | 12.4364% | 4,857 |
| Memoranda: | ||
| Average total assets | $304,399,000 | 2,144 |
| Average earning assets | $277,987,000 | 2,168 |
| Average equity | $28,614,330 | 2,436 |
| Average total loans | $188,676,330 | 2,275 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 2,372 |
| Cost of funding earning assets | 0.3941% | 3,634 |
| Net interest margin | 3.9494% | 1,869 |
| Noninterest income to average assets | 0.5475% | 2,531 |
| Noninterest expense to average assets | 3.4128% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6890% | 4,137 |
| Return on assets (ROA) | 0.6955% | 4,121 |
| Pretax return on assets | 0.7278% | 4,367 |
| Return on Equity (ROE) | 7.1540% | 3,724 |
| Retained earnings to average equity (ytd only) | -1.7989% | 4,992 |
| Net charge-offs to loans | -0.0021% | 3,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7354% | 1,067 |
| Assets per employee ($millions) | 3.6664% | 4,455 |
| Cash dividends to net income (ytd only)* | 125.1451% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,375 |
| Loan loss allowance to noncurrent loans | 85.7385% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 1,819 |
| Noncurrent loans to loans | 1.2837% | 1,399 |
| Net loans and leases to total assets | 61.1175% | 3,631 |
| Net loans and leases to deposits | 68.6785% | 3,903 |
| Net loans and leases to core deposits | 73.7840% | 3,835 |
| Total domestic deposits to total assets | 88.9907% | 1,094 |
| Equity capital to assets | 9.5213% | 4,071 |
| Core capital (leverage) ratio | 9.2551% | 4,375 |
| Tier 1 risk-based capital ratio | 12.1807% | 4,445 |
| Total risk-based capital ratio | 13.0895% | 4,544 |
| Memoranda: | ||
| Average total assets | $297,348,500 | 2,205 |
| Average earning assets | $270,014,000 | 2,228 |
| Average equity | $28,907,000 | 2,442 |
| Average total loans | $186,283,500 | 2,309 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 2,515 |
| Cost of funding earning assets | 0.2955% | 4,183 |
| Net interest margin | 3.9501% | 1,917 |
| Noninterest income to average assets | 0.5784% | 2,567 |
| Noninterest expense to average assets | 3.3437% | 1,300 |
| Loan and lease loss provision to assets | 0.0516% | 3,197 |
| Net operating income to assets | 0.8003% | 3,156 |
| Return on assets (ROA) | 0.7322% | 3,504 |
| Pretax return on assets | 0.7428% | 4,405 |
| Return on Equity (ROE) | 7.2888% | 3,125 |
| Retained earnings to average equity (ytd only) | -19.7872% | 5,619 |
| Net charge-offs to loans | 0.3031% | 858 |
| Credit loss provision to net charge-offs | 27.1248% | 3,560 |
| Earnings coverage of net charge-offs (x) | 4.5371% | 3,452 |
| Efficiency ratio | 77.8359% | 1,374 |
| Assets per employee ($millions) | 3.7215% | 4,400 |
| Cash dividends to net income (ytd only)* | 371.4756% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,508 |
| Loan loss allowance to noncurrent loans | 42.4963% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.6976% | 757 |
| Noncurrent loans to loans | 2.5132% | 531 |
| Net loans and leases to total assets | 62.8184% | 3,509 |
| Net loans and leases to deposits | 75.3608% | 3,402 |
| Net loans and leases to core deposits | 81.4436% | 3,290 |
| Total domestic deposits to total assets | 83.3568% | 3,445 |
| Equity capital to assets | 9.9214% | 3,788 |
| Core capital (leverage) ratio | 9.2081% | 4,386 |
| Tier 1 risk-based capital ratio | 11.9471% | 4,568 |
| Total risk-based capital ratio | 12.8315% | 4,693 |
| Memoranda: | ||
| Average total assets | $290,639,400 | 2,215 |
| Average earning assets | $266,983,000 | 2,231 |
| Average equity | $29,195,600 | 2,414 |
| Average total loans | $182,471,000 | 2,301 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 2,652 |
| Cost of funding earning assets | 0.2750% | 4,359 |
| Net interest margin | 3.9149% | 1,986 |
| Noninterest income to average assets | 0.5756% | 2,603 |
| Noninterest expense to average assets | 3.2355% | 1,487 |
| Loan and lease loss provision to assets | 0.0692% | 2,692 |
| Net operating income to assets | 0.8769% | 3,144 |
| Return on assets (ROA) | 0.8742% | 3,203 |
| Pretax return on assets | 0.8820% | 4,098 |
| Return on Equity (ROE) | 8.6749% | 2,776 |
| Retained earnings to average equity (ytd only) | -24.4996% | 5,693 |
| Net charge-offs to loans | 0.4100% | 512 |
| Credit loss provision to net charge-offs | 26.9784% | 3,103 |
| Earnings coverage of net charge-offs (x) | 3.7176% | 3,303 |
| Efficiency ratio | 75.7629% | 1,623 |
| Assets per employee ($millions) | 3.8158% | 4,289 |
| Cash dividends to net income (ytd only)* | 382.4181% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,552 |
| Loan loss allowance to noncurrent loans | 36.8825% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.9423% | 684 |
| Noncurrent loans to loans | 2.9530% | 442 |
| Net loans and leases to total assets | 61.5125% | 3,714 |
| Net loans and leases to deposits | 73.6055% | 3,615 |
| Net loans and leases to core deposits | 79.8306% | 3,466 |
| Total domestic deposits to total assets | 83.5704% | 3,267 |
| Equity capital to assets | 10.3658% | 3,521 |
| Core capital (leverage) ratio | 9.3021% | 4,407 |
| Tier 1 risk-based capital ratio | 12.1278% | 4,533 |
| Total risk-based capital ratio | 13.0104% | 4,668 |
| Memoranda: | ||
| Average total assets | $288,869,250 | 2,241 |
| Average earning assets | $266,665,500 | 2,245 |
| Average equity | $29,110,000 | 2,440 |
| Average total loans | $180,828,250 | 2,325 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 2,759 |
| Cost of funding earning assets | 0.2582% | 4,475 |
| Net interest margin | 3.8640% | 2,046 |
| Noninterest income to average assets | 0.5560% | 2,680 |
| Noninterest expense to average assets | 3.2572% | 1,453 |
| Loan and lease loss provision to assets | 0.0699% | 2,576 |
| Net operating income to assets | 0.8190% | 3,303 |
| Return on assets (ROA) | 0.7918% | 3,491 |
| Pretax return on assets | 0.7715% | 4,368 |
| Return on Equity (ROE) | 7.9357% | 3,070 |
| Retained earnings to average equity (ytd only) | -38.1923% | 5,755 |
| Net charge-offs to loans | 0.6221% | 320 |
| Credit loss provision to net charge-offs | 17.9211% | 2,801 |
| Earnings coverage of net charge-offs (x) | 2.2258% | 3,187 |
| Efficiency ratio | 77.6572% | 1,512 |
| Assets per employee ($millions) | 3.7152% | 4,418 |
| Cash dividends to net income (ytd only)* | 581.2721% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,790 |
| Loan loss allowance to noncurrent loans | 50.4236% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.3289% | 1,220 |
| Noncurrent loans to loans | 2.1035% | 786 |
| Net loans and leases to total assets | 60.8779% | 3,756 |
| Net loans and leases to deposits | 70.5003% | 3,874 |
| Net loans and leases to core deposits | 75.0057% | 3,855 |
| Total domestic deposits to total assets | 86.3513% | 2,217 |
| Equity capital to assets | 10.2848% | 3,583 |
| Core capital (leverage) ratio | 9.3388% | 4,313 |
| Tier 1 risk-based capital ratio | 12.3067% | 4,421 |
| Total risk-based capital ratio | 13.1839% | 4,572 |
| Memoranda: | ||
| Average total assets | $285,947,670 | 2,273 |
| Average earning assets | $264,183,000 | 2,271 |
| Average equity | $28,529,330 | 2,466 |
| Average total loans | $179,405,000 | 2,346 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 2,976 |
| Cost of funding earning assets | 0.2489% | 4,546 |
| Net interest margin | 3.7667% | 2,237 |
| Noninterest income to average assets | 0.5803% | 2,503 |
| Noninterest expense to average assets | 3.3140% | 1,359 |
| Loan and lease loss provision to assets | 0.0359% | 3,075 |
| Net operating income to assets | 0.7800% | 3,309 |
| Return on assets (ROA) | 0.7254% | 3,642 |
| Pretax return on assets | 0.6536% | 4,586 |
| Return on Equity (ROE) | 7.3941% | 3,214 |
| Retained earnings to average equity (ytd only) | -82.7263% | 5,839 |
| Net charge-offs to loans | 0.5959% | 299 |
| Credit loss provision to net charge-offs | 9.5057% | 2,229 |
| Earnings coverage of net charge-offs (x) | 1.9696% | 2,656 |
| Efficiency ratio | 80.7788% | 1,283 |
| Assets per employee ($millions) | 3.7562% | 4,406 |
| Cash dividends to net income (ytd only)* | 1,218.8119% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 3,209 |
| Loan loss allowance to noncurrent loans | 58.9522% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 1,379 |
| Noncurrent loans to loans | 2.0148% | 883 |
| Net loans and leases to total assets | 59.6893% | 3,818 |
| Net loans and leases to deposits | 67.5321% | 4,035 |
| Net loans and leases to core deposits | 71.3487% | 4,046 |
| Total domestic deposits to total assets | 88.3866% | 1,493 |
| Equity capital to assets | 9.7492% | 4,019 |
| Core capital (leverage) ratio | 10.0605% | 3,423 |
| Tier 1 risk-based capital ratio | 12.1924% | 4,588 |
| Total risk-based capital ratio | 13.1778% | 4,665 |
| Memoranda: | ||
| Average total assets | $278,456,500 | 2,338 |
| Average earning assets | $257,097,000 | 2,334 |
| Average equity | $27,319,000 | 2,559 |
| Average total loans | $176,525,500 | 2,392 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 2,514 |
| Cost of funding earning assets | 0.2093% | 4,929 |
| Net interest margin | 3.9824% | 1,684 |
| Noninterest income to average assets | 0.7346% | 2,020 |
| Noninterest expense to average assets | 3.2545% | 1,676 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1220% | 1,812 |
| Return on assets (ROA) | 1.2369% | 1,476 |
| Pretax return on assets | 1.3023% | 2,277 |
| Return on Equity (ROE) | 12.1423% | 1,202 |
| Retained earnings to average equity (ytd only) | 0.7298% | 5,035 |
| Net charge-offs to loans | 0.1887% | 1,470 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.4954% | 2,747 |
| Efficiency ratio | 73.3675% | 2,362 |
| Assets per employee ($millions) | 3.3245% | 5,012 |
| Cash dividends to net income (ytd only)* | 93.9894% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,959 |
| Loan loss allowance to noncurrent loans | 72.8997% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.3611% | 1,268 |
| Noncurrent loans to loans | 1.9620% | 926 |
| Net loans and leases to total assets | 66.0335% | 3,069 |
| Net loans and leases to deposits | 76.3361% | 3,282 |
| Net loans and leases to core deposits | 81.7199% | 3,231 |
| Total domestic deposits to total assets | 86.5037% | 2,369 |
| Equity capital to assets | 9.8852% | 3,834 |
| Core capital (leverage) ratio | 9.6100% | 3,953 |
| Tier 1 risk-based capital ratio | 11.9659% | 4,755 |
| Total risk-based capital ratio | 13.1653% | 4,671 |
| Memoranda: | ||
| Average total assets | $259,610,200 | 2,443 |
| Average earning assets | $241,287,800 | 2,424 |
| Average equity | $26,444,800 | 2,601 |
| Average total loans | $171,173,800 | 2,401 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 2,514 |
| Cost of funding earning assets | 0.2044% | 5,025 |
| Net interest margin | 3.9958% | 1,670 |
| Noninterest income to average assets | 0.7678% | 1,895 |
| Noninterest expense to average assets | 3.3089% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1214% | 1,909 |
| Return on assets (ROA) | 1.2576% | 1,530 |
| Pretax return on assets | 1.3229% | 2,343 |
| Return on Equity (ROE) | 12.2579% | 1,248 |
| Retained earnings to average equity (ytd only) | 0.7807% | 5,152 |
| Net charge-offs to loans | 0.0474% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 37.9023% | 1,280 |
| Efficiency ratio | 73.7213% | 2,341 |
| Assets per employee ($millions) | 3.3716% | 4,954 |
| Cash dividends to net income (ytd only)* | 93.6311% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,664 |
| Loan loss allowance to noncurrent loans | 82.5592% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.5470% | 1,140 |
| Noncurrent loans to loans | 1.8499% | 1,097 |
| Net loans and leases to total assets | 67.5376% | 2,865 |
| Net loans and leases to deposits | 80.5709% | 2,902 |
| Net loans and leases to core deposits | 86.8526% | 2,867 |
| Total domestic deposits to total assets | 83.8238% | 3,264 |
| Equity capital to assets | 10.4644% | 3,603 |
| Core capital (leverage) ratio | 9.3323% | 4,417 |
| Tier 1 risk-based capital ratio | 11.0620% | 5,346 |
| Total risk-based capital ratio | 12.2931% | 5,260 |
| Memoranda: | ||
| Average total assets | $261,347,500 | 2,437 |
| Average earning assets | $243,351,000 | 2,419 |
| Average equity | $26,812,000 | 2,600 |
| Average total loans | $171,651,750 | 2,395 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 2,584 |
| Cost of funding earning assets | 0.1991% | 5,156 |
| Net interest margin | 3.9758% | 1,719 |
| Noninterest income to average assets | 0.8021% | 1,704 |
| Noninterest expense to average assets | 3.0747% | 2,125 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3585% | 1,144 |
| Return on assets (ROA) | 1.4712% | 987 |
| Pretax return on assets | 1.5510% | 1,523 |
| Return on Equity (ROE) | 14.4342% | 760 |
| Retained earnings to average equity (ytd only) | 2.8868% | 4,066 |
| Net charge-offs to loans | 0.0482% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 45.9512% | 1,052 |
| Efficiency ratio | 68.2186% | 3,292 |
| Assets per employee ($millions) | 3.6918% | 4,454 |
| Cash dividends to net income (ytd only)* | 80.0000% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 1,582 |
| Loan loss allowance to noncurrent loans | 296.8167% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7438% | 2,747 |
| Noncurrent loans to loans | 0.5325% | 3,482 |
| Net loans and leases to total assets | 63.3437% | 3,457 |
| Net loans and leases to deposits | 73.5808% | 3,641 |
| Net loans and leases to core deposits | 80.1207% | 3,454 |
| Total domestic deposits to total assets | 86.0873% | 2,376 |
| Equity capital to assets | 10.2687% | 3,900 |
| Core capital (leverage) ratio | 9.3244% | 4,425 |
| Tier 1 risk-based capital ratio | 10.9695% | 5,435 |
| Total risk-based capital ratio | 12.1878% | 5,380 |
| Memoranda: | ||
| Average total assets | $263,049,670 | 2,433 |
| Average earning assets | $245,132,670 | 2,421 |
| Average equity | $26,811,330 | 2,607 |
| Average total loans | $170,288,000 | 2,409 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 2,723 |
| Cost of funding earning assets | 0.1984% | 5,220 |
| Net interest margin | 3.9324% | 1,836 |
| Noninterest income to average assets | 0.8820% | 1,351 |
| Noninterest expense to average assets | 3.0481% | 2,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4160% | 1,017 |
| Return on assets (ROA) | 1.4950% | 906 |
| Pretax return on assets | 1.5837% | 1,340 |
| Return on Equity (ROE) | 14.7236% | 713 |
| Retained earnings to average equity (ytd only) | 3.2820% | 3,852 |
| Net charge-offs to loans | -0.0024% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0252% | 3,629 |
| Assets per employee ($millions) | 3.4106% | 4,954 |
| Cash dividends to net income (ytd only)* | 77.7096% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,514 |
| Loan loss allowance to noncurrent loans | 363.2275% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 3,204 |
| Noncurrent loans to loans | 0.4506% | 3,827 |
| Net loans and leases to total assets | 63.6612% | 3,285 |
| Net loans and leases to deposits | 72.5216% | 3,602 |
| Net loans and leases to core deposits | 79.0218% | 3,407 |
| Total domestic deposits to total assets | 87.7824% | 1,759 |
| Equity capital to assets | 10.3589% | 3,674 |
| Core capital (leverage) ratio | 9.3520% | 4,423 |
| Tier 1 risk-based capital ratio | 11.1415% | 5,429 |
| Total risk-based capital ratio | 12.3917% | 5,338 |
| Memoranda: | ||
| Average total assets | $261,671,000 | 2,451 |
| Average earning assets | $243,921,500 | 2,434 |
| Average equity | $26,569,500 | 2,624 |
| Average total loans | $169,894,000 | 2,406 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,706 |
| Cost of funding earning assets | 0.1953% | 5,323 |
| Net interest margin | 3.9648% | 1,831 |
| Noninterest income to average assets | 0.5782% | 2,842 |
| Noninterest expense to average assets | 2.9483% | 2,707 |
| Loan and lease loss provision to assets | 0.2326% | 848 |
| Net operating income to assets | 1.0376% | 2,183 |
| Return on assets (ROA) | 1.0699% | 2,115 |
| Pretax return on assets | 1.1143% | 2,980 |
| Return on Equity (ROE) | 10.8257% | 1,673 |
| Retained earnings to average equity (ytd only) | -1.0350% | 5,662 |
| Net charge-offs to loans | 0.2028% | 1,441 |
| Credit loss provision to net charge-offs | 184.8665% | 1,485 |
| Earnings coverage of net charge-offs (x) | 10.4392% | 2,685 |
| Efficiency ratio | 69.1836% | 3,369 |
| Assets per employee ($millions) | 3.7202% | 4,440 |
| Cash dividends to net income (ytd only)* | 109.5604% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 1,627 |
| Loan loss allowance to noncurrent loans | 552.1127% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,598 |
| Noncurrent loans to loans | 0.2889% | 4,428 |
| Net loans and leases to total assets | 64.0898% | 3,263 |
| Net loans and leases to deposits | 74.3748% | 3,451 |
| Net loans and leases to core deposits | 81.0540% | 3,238 |
| Total domestic deposits to total assets | 86.1714% | 2,557 |
| Equity capital to assets | 9.9525% | 4,014 |
| Core capital (leverage) ratio | 9.0253% | 4,856 |
| Tier 1 risk-based capital ratio | 10.6703% | 5,693 |
| Total risk-based capital ratio | 11.8923% | 5,624 |
| Memoranda: | ||
| Average total assets | $267,887,000 | 2,362 |
| Average earning assets | $248,866,800 | 2,346 |
| Average equity | $26,474,000 | 2,596 |
| Average total loans | $166,173,000 | 2,390 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 2,914 |
| Cost of funding earning assets | 0.1947% | 5,425 |
| Net interest margin | 3.9101% | 1,999 |
| Noninterest income to average assets | 0.6314% | 2,576 |
| Noninterest expense to average assets | 2.9436% | 2,693 |
| Loan and lease loss provision to assets | 0.2842% | 547 |
| Net operating income to assets | 0.9931% | 2,505 |
| Return on assets (ROA) | 0.9959% | 2,580 |
| Pretax return on assets | 1.0415% | 3,450 |
| Return on Equity (ROE) | 10.0951% | 2,070 |
| Retained earnings to average equity (ytd only) | -1.9406% | 5,846 |
| Net charge-offs to loans | 0.1570% | 1,569 |
| Credit loss provision to net charge-offs | 295.3608% | 976 |
| Earnings coverage of net charge-offs (x) | 13.7474% | 2,298 |
| Efficiency ratio | 68.9956% | 3,377 |
| Assets per employee ($millions) | 3.7551% | 4,345 |
| Cash dividends to net income (ytd only)* | 119.2229% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 1,629 |
| Loan loss allowance to noncurrent loans | 222.9379% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 3,891 |
| Noncurrent loans to loans | 0.7375% | 3,119 |
| Net loans and leases to total assets | 61.9316% | 3,616 |
| Net loans and leases to deposits | 75.6669% | 3,343 |
| Net loans and leases to core deposits | 83.0951% | 3,145 |
| Total domestic deposits to total assets | 81.8477% | 4,215 |
| Equity capital to assets | 9.6044% | 4,633 |
| Core capital (leverage) ratio | 8.8299% | 5,204 |
| Tier 1 risk-based capital ratio | 10.5643% | 5,856 |
| Total risk-based capital ratio | 11.8143% | 5,788 |
| Memoranda: | ||
| Average total assets | $268,825,250 | 2,368 |
| Average earning assets | $249,907,750 | 2,360 |
| Average equity | $26,520,500 | 2,607 |
| Average total loans | $164,709,500 | 2,427 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 3,025 |
| Cost of funding earning assets | 0.1936% | 5,503 |
| Net interest margin | 3.8721% | 2,066 |
| Noninterest income to average assets | 0.5901% | 2,794 |
| Noninterest expense to average assets | 2.9215% | 2,810 |
| Loan and lease loss provision to assets | 0.1123% | 1,958 |
| Net operating income to assets | 1.1003% | 1,955 |
| Return on assets (ROA) | 1.1046% | 2,022 |
| Pretax return on assets | 1.1563% | 2,948 |
| Return on Equity (ROE) | 11.0966% | 1,654 |
| Retained earnings to average equity (ytd only) | -1.3015% | 5,740 |
| Net charge-offs to loans | -0.0173% | 5,117 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7978% | 3,360 |
| Assets per employee ($millions) | 3.5539% | 4,708 |
| Cash dividends to net income (ytd only)* | 111.7288% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 1,836 |
| Loan loss allowance to noncurrent loans | 198.1118% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5121% | 3,907 |
| Noncurrent loans to loans | 0.8194% | 3,071 |
| Net loans and leases to total assets | 59.6356% | 3,886 |
| Net loans and leases to deposits | 73.2086% | 3,591 |
| Net loans and leases to core deposits | 75.8522% | 3,786 |
| Total domestic deposits to total assets | 81.4597% | 4,462 |
| Equity capital to assets | 9.8173% | 4,257 |
| Core capital (leverage) ratio | 9.0633% | 4,875 |
| Tier 1 risk-based capital ratio | 11.2067% | 5,615 |
| Total risk-based capital ratio | 12.4283% | 5,551 |
| Memoranda: | ||
| Average total assets | $267,058,670 | 2,396 |
| Average earning assets | $247,978,330 | 2,386 |
| Average equity | $26,584,670 | 2,602 |
| Average total loans | $162,076,670 | 2,462 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 3,287 |
| Cost of funding earning assets | 0.1952% | 5,554 |
| Net interest margin | 3.7881% | 2,268 |
| Noninterest income to average assets | 0.7048% | 2,146 |
| Noninterest expense to average assets | 2.7787% | 3,319 |
| Loan and lease loss provision to assets | 0.1122% | 1,841 |
| Net operating income to assets | 1.3005% | 1,275 |
| Return on assets (ROA) | 1.3093% | 1,331 |
| Pretax return on assets | 1.3362% | 2,132 |
| Return on Equity (ROE) | 13.0629% | 1,074 |
| Retained earnings to average equity (ytd only) | -0.4031% | 5,455 |
| Net charge-offs to loans | -0.0271% | 5,188 |
| Credit loss provision to net charge-offs | -681.8182% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8744% | 4,183 |
| Assets per employee ($millions) | 3.8725% | 4,211 |
| Cash dividends to net income (ytd only)* | 103.0857% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 2,056 |
| Loan loss allowance to noncurrent loans | 192.9492% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 3,991 |
| Noncurrent loans to loans | 0.8286% | 3,172 |
| Net loans and leases to total assets | 58.6240% | 3,855 |
| Net loans and leases to deposits | 66.9157% | 4,059 |
| Net loans and leases to core deposits | 69.4669% | 4,203 |
| Total domestic deposits to total assets | 87.6087% | 2,039 |
| Equity capital to assets | 10.1271% | 3,975 |
| Core capital (leverage) ratio | 9.1850% | 4,739 |
| Tier 1 risk-based capital ratio | 10.2421% | 6,102 |
| Total risk-based capital ratio | 11.3188% | 6,106 |
| Memoranda: | ||
| Average total assets | $267,318,500 | 2,407 |
| Average earning assets | $247,937,500 | 2,396 |
| Average equity | $26,793,500 | 2,604 |
| Average total loans | $162,327,500 | 2,469 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 3,415 |
| Cost of funding earning assets | 0.2320% | 5,503 |
| Net interest margin | 3.8442% | 2,447 |
| Noninterest income to average assets | 0.7492% | 2,076 |
| Noninterest expense to average assets | 2.7548% | 3,657 |
| Loan and lease loss provision to assets | 0.1671% | 1,567 |
| Net operating income to assets | 1.3304% | 1,232 |
| Return on assets (ROA) | 1.3366% | 1,267 |
| Pretax return on assets | 1.3750% | 1,977 |
| Return on Equity (ROE) | 14.2556% | 889 |
| Retained earnings to average equity (ytd only) | 3.6883% | 3,595 |
| Net charge-offs to loans | -0.0103% | 5,568 |
| Credit loss provision to net charge-offs | -2,775.0000% | 6,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4099% | 4,683 |
| Assets per employee ($millions) | 4.0529% | 3,824 |
| Cash dividends to net income (ytd only)* | 74.1273% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 2,543 |
| Loan loss allowance to noncurrent loans | 191.3619% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 4,146 |
| Noncurrent loans to loans | 0.7766% | 3,373 |
| Net loans and leases to total assets | 60.9382% | 3,647 |
| Net loans and leases to deposits | 71.8718% | 3,696 |
| Net loans and leases to core deposits | 74.5446% | 3,872 |
| Total domestic deposits to total assets | 84.7873% | 3,373 |
| Equity capital to assets | 9.9628% | 4,161 |
| Core capital (leverage) ratio | 9.4637% | 4,290 |
| Tier 1 risk-based capital ratio | 10.5417% | 6,082 |
| Total risk-based capital ratio | 11.6061% | 6,109 |
| Memoranda: | ||
| Average total assets | $265,752,400 | 2,377 |
| Average earning assets | $244,810,200 | 2,385 |
| Average equity | $24,916,600 | 2,672 |
| Average total loans | $155,700,200 | 2,486 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 3,521 |
| Cost of funding earning assets | 0.2406% | 5,502 |
| Net interest margin | 3.8200% | 2,540 |
| Noninterest income to average assets | 0.7573% | 2,063 |
| Noninterest expense to average assets | 2.8252% | 3,367 |
| Loan and lease loss provision to assets | 0.1608% | 1,548 |
| Net operating income to assets | 1.2406% | 1,551 |
| Return on assets (ROA) | 1.2734% | 1,510 |
| Pretax return on assets | 1.3237% | 2,293 |
| Return on Equity (ROE) | 13.7996% | 1,028 |
| Retained earnings to average equity (ytd only) | 3.5615% | 4,113 |
| Net charge-offs to loans | -0.0148% | 5,534 |
| Credit loss provision to net charge-offs | -1,882.3529% | 5,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0094% | 4,369 |
| Assets per employee ($millions) | 4.1330% | 3,595 |
| Cash dividends to net income (ytd only)* | 74.1909% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 2,881 |
| Loan loss allowance to noncurrent loans | 1,162.1891% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 5,863 |
| Noncurrent loans to loans | 0.1260% | 5,545 |
| Net loans and leases to total assets | 57.6039% | 4,123 |
| Net loans and leases to deposits | 69.8746% | 3,931 |
| Net loans and leases to core deposits | 73.3073% | 4,018 |
| Total domestic deposits to total assets | 82.4390% | 4,324 |
| Equity capital to assets | 9.3660% | 4,957 |
| Core capital (leverage) ratio | 9.1341% | 4,879 |
| Tier 1 risk-based capital ratio | 10.8483% | 6,068 |
| Total risk-based capital ratio | 11.9002% | 6,103 |
| Memoranda: | ||
| Average total assets | $265,317,000 | 2,410 |
| Average earning assets | $244,355,250 | 2,406 |
| Average equity | $24,483,250 | 2,716 |
| Average total loans | $153,259,000 | 2,526 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,680 |
| Cost of funding earning assets | 0.2450% | 5,534 |
| Net interest margin | 3.7688% | 2,671 |
| Noninterest income to average assets | 0.7655% | 1,981 |
| Noninterest expense to average assets | 2.8269% | 3,403 |
| Loan and lease loss provision to assets | 0.1141% | 2,129 |
| Net operating income to assets | 1.2335% | 1,495 |
| Return on assets (ROA) | 1.3065% | 1,338 |
| Pretax return on assets | 1.3659% | 2,016 |
| Return on Equity (ROE) | 14.2322% | 913 |
| Retained earnings to average equity (ytd only) | 4.9320% | 3,002 |
| Net charge-offs to loans | 0.0238% | 3,725 |
| Credit loss provision to net charge-offs | 833.3333% | 390 |
| Earnings coverage of net charge-offs (x) | 102.5000% | 550 |
| Efficiency ratio | 65.1799% | 4,488 |
| Assets per employee ($millions) | 4.0139% | 3,809 |
| Cash dividends to net income (ytd only)* | 65.3465% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3995% | 3,351 |
| Loan loss allowance to noncurrent loans | 816.4751% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 5,092 |
| Noncurrent loans to loans | 0.1714% | 5,496 |
| Net loans and leases to total assets | 56.6728% | 4,162 |
| Net loans and leases to deposits | 65.3117% | 4,349 |
| Net loans and leases to core deposits | 68.3583% | 4,432 |
| Total domestic deposits to total assets | 86.7728% | 2,595 |
| Equity capital to assets | 9.6219% | 4,597 |
| Core capital (leverage) ratio | 9.2476% | 4,671 |
| Tier 1 risk-based capital ratio | 11.3492% | 5,876 |
| Total risk-based capital ratio | 12.3557% | 5,943 |
| Memoranda: | ||
| Average total assets | $262,831,000 | 2,432 |
| Average earning assets | $241,670,000 | 2,426 |
| Average equity | $24,128,330 | 2,742 |
| Average total loans | $151,190,330 | 2,562 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 4,004 |
| Cost of funding earning assets | 0.2496% | 5,584 |
| Net interest margin | 3.6734% | 2,976 |
| Noninterest income to average assets | 0.5638% | 2,960 |
| Noninterest expense to average assets | 2.6479% | 4,120 |
| Loan and lease loss provision to assets | 0.1146% | 2,043 |
| Net operating income to assets | 1.1370% | 1,677 |
| Return on assets (ROA) | 1.1918% | 1,576 |
| Pretax return on assets | 1.2315% | 2,339 |
| Return on Equity (ROE) | 13.3063% | 1,079 |
| Retained earnings to average equity (ytd only) | 7.0967% | 1,988 |
| Net charge-offs to loans | -0.0106% | 5,072 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4637% | 4,615 |
| Assets per employee ($millions) | 4.0781% | 3,763 |
| Cash dividends to net income (ytd only)* | 46.6667% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 3,567 |
| Loan loss allowance to noncurrent loans | 674.6753% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 5,118 |
| Noncurrent loans to loans | 0.2086% | 5,473 |
| Net loans and leases to total assets | 55.7884% | 4,167 |
| Net loans and leases to deposits | 63.0965% | 4,420 |
| Net loans and leases to core deposits | 65.9926% | 4,486 |
| Total domestic deposits to total assets | 88.4175% | 1,983 |
| Equity capital to assets | 9.3626% | 4,680 |
| Core capital (leverage) ratio | 9.0520% | 4,933 |
| Tier 1 risk-based capital ratio | 11.9101% | 5,704 |
| Total risk-based capital ratio | 12.9496% | 5,756 |
| Memoranda: | ||
| Average total assets | $261,788,000 | 2,443 |
| Average earning assets | $240,430,500 | 2,438 |
| Average equity | $23,447,500 | 2,801 |
| Average total loans | $150,652,000 | 2,569 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1610% | 3,494 |
| Cost of funding earning assets | 0.2958% | 5,634 |
| Net interest margin | 3.8652% | 2,412 |
| Noninterest income to average assets | 0.5253% | 3,592 |
| Noninterest expense to average assets | 2.7608% | 3,870 |
| Loan and lease loss provision to assets | 0.2984% | 1,132 |
| Net operating income to assets | 0.9822% | 2,407 |
| Return on assets (ROA) | 1.0143% | 2,331 |
| Pretax return on assets | 1.0720% | 3,060 |
| Return on Equity (ROE) | 10.4331% | 1,943 |
| Retained earnings to average equity (ytd only) | -0.3725% | 5,945 |
| Net charge-offs to loans | 0.3620% | 1,868 |
| Credit loss provision to net charge-offs | 147.3477% | 1,575 |
| Earnings coverage of net charge-offs (x) | 6.5992% | 3,027 |
| Efficiency ratio | 65.6113% | 4,636 |
| Assets per employee ($millions) | 4.1679% | 3,505 |
| Cash dividends to net income (ytd only)* | 103.5700% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 4,138 |
| Loan loss allowance to noncurrent loans | 502.2613% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 5,120 |
| Noncurrent loans to loans | 0.2591% | 5,404 |
| Net loans and leases to total assets | 57.7430% | 4,080 |
| Net loans and leases to deposits | 69.2166% | 3,884 |
| Net loans and leases to core deposits | 71.9681% | 4,072 |
| Total domestic deposits to total assets | 83.4237% | 4,387 |
| Equity capital to assets | 8.5532% | 5,524 |
| Core capital (leverage) ratio | 8.6490% | 5,478 |
| Tier 1 risk-based capital ratio | 11.3417% | 5,999 |
| Total risk-based capital ratio | 12.3128% | 6,084 |
| Memoranda: | ||
| Average total assets | $251,306,600 | 2,519 |
| Average earning assets | $232,251,600 | 2,494 |
| Average equity | $24,431,800 | 2,687 |
| Average total loans | $140,589,600 | 2,685 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2053% | 3,377 |
| Cost of funding earning assets | 0.3064% | 5,676 |
| Net interest margin | 3.8989% | 2,277 |
| Noninterest income to average assets | 0.5489% | 3,467 |
| Noninterest expense to average assets | 2.8449% | 3,509 |
| Loan and lease loss provision to assets | 0.0107% | 4,776 |
| Net operating income to assets | 1.2412% | 1,506 |
| Return on assets (ROA) | 1.2835% | 1,461 |
| Pretax return on assets | 1.3419% | 2,160 |
| Return on Equity (ROE) | 12.7954% | 1,289 |
| Retained earnings to average equity (ytd only) | 2.7656% | 4,664 |
| Net charge-offs to loans | -0.0107% | 5,901 |
| Credit loss provision to net charge-offs | -181.8182% | 5,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7226% | 4,353 |
| Assets per employee ($millions) | 4.2650% | 3,296 |
| Cash dividends to net income (ytd only)* | 78.3865% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 4,681 |
| Loan loss allowance to noncurrent loans | 123.1405% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.5931% | 4,665 |
| Noncurrent loans to loans | 1.0095% | 3,786 |
| Net loans and leases to total assets | 54.5973% | 4,517 |
| Net loans and leases to deposits | 65.1455% | 4,388 |
| Net loans and leases to core deposits | 67.5843% | 4,563 |
| Total domestic deposits to total assets | 83.8082% | 4,277 |
| Equity capital to assets | 8.6949% | 5,528 |
| Core capital (leverage) ratio | 9.2365% | 4,778 |
| Tier 1 risk-based capital ratio | 12.4963% | 5,461 |
| Total risk-based capital ratio | 13.4308% | 5,597 |
| Memoranda: | ||
| Average total assets | $248,488,500 | 2,561 |
| Average earning assets | $229,735,500 | 2,532 |
| Average equity | $24,925,000 | 2,657 |
| Average total loans | $137,332,000 | 2,753 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 2,944 |
| Cost of funding earning assets | 0.3154% | 5,711 |
| Net interest margin | 3.9873% | 1,910 |
| Noninterest income to average assets | 0.5192% | 3,703 |
| Noninterest expense to average assets | 2.9943% | 3,018 |
| Loan and lease loss provision to assets | 0.0164% | 4,567 |
| Net operating income to assets | 1.1474% | 1,760 |
| Return on assets (ROA) | 1.2118% | 1,668 |
| Pretax return on assets | 1.2658% | 2,420 |
| Return on Equity (ROE) | 11.5362% | 1,625 |
| Retained earnings to average equity (ytd only) | 2.8957% | 4,470 |
| Net charge-offs to loans | -0.0133% | 5,833 |
| Credit loss provision to net charge-offs | -222.2222% | 5,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3667% | 3,947 |
| Assets per employee ($millions) | 3.8955% | 4,024 |
| Cash dividends to net income (ytd only)* | 74.8988% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,608 |
| Loan loss allowance to noncurrent loans | 129.3990% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 4,836 |
| Noncurrent loans to loans | 0.9882% | 3,961 |
| Net loans and leases to total assets | 52.8608% | 4,757 |
| Net loans and leases to deposits | 62.3255% | 4,692 |
| Net loans and leases to core deposits | 64.4127% | 4,853 |
| Total domestic deposits to total assets | 84.8140% | 3,986 |
| Equity capital to assets | 9.8725% | 4,090 |
| Core capital (leverage) ratio | 8.9920% | 5,000 |
| Tier 1 risk-based capital ratio | 11.6607% | 6,024 |
| Total risk-based capital ratio | 12.5391% | 6,176 |
| Memoranda: | ||
| Average total assets | $244,597,000 | 2,606 |
| Average earning assets | $226,370,670 | 2,579 |
| Average equity | $25,693,000 | 2,609 |
| Average total loans | $135,166,000 | 2,783 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 2,427 |
| Cost of funding earning assets | 0.3406% | 5,632 |
| Net interest margin | 4.0896% | 1,489 |
| Noninterest income to average assets | 0.5465% | 3,466 |
| Noninterest expense to average assets | 2.8241% | 3,616 |
| Loan and lease loss provision to assets | 0.0338% | 4,020 |
| Net operating income to assets | 1.4074% | 1,010 |
| Return on assets (ROA) | 1.4789% | 973 |
| Pretax return on assets | 1.5415% | 1,448 |
| Return on Equity (ROE) | 13.6264% | 1,030 |
| Retained earnings to average equity (ytd only) | 8.9492% | 1,398 |
| Net charge-offs to loans | -0.0090% | 5,403 |
| Credit loss provision to net charge-offs | -666.6667% | 5,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5368% | 5,078 |
| Assets per employee ($millions) | 4.4127% | 3,127 |
| Cash dividends to net income (ytd only)* | 34.3249% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 4,897 |
| Loan loss allowance to noncurrent loans | 127.5788% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 5,011 |
| Noncurrent loans to loans | 0.9874% | 4,156 |
| Net loans and leases to total assets | 51.8633% | 4,725 |
| Net loans and leases to deposits | 60.9413% | 4,688 |
| Net loans and leases to core deposits | 62.4703% | 4,908 |
| Total domestic deposits to total assets | 85.1037% | 3,990 |
| Equity capital to assets | 10.5404% | 3,501 |
| Core capital (leverage) ratio | 8.8512% | 5,116 |
| Tier 1 risk-based capital ratio | 13.0223% | 5,198 |
| Total risk-based capital ratio | 13.9936% | 5,357 |
| Memoranda: | ||
| Average total assets | $236,397,000 | 2,715 |
| Average earning assets | $218,408,000 | 2,687 |
| Average equity | $25,656,000 | 2,644 |
| Average total loans | $132,873,000 | 2,841 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 3,161 |
| Cost of funding earning assets | 0.3927% | 5,967 |
| Net interest margin | 4.1691% | 1,746 |
| Noninterest income to average assets | 0.5963% | 3,298 |
| Noninterest expense to average assets | 2.7260% | 4,300 |
| Loan and lease loss provision to assets | 0.0366% | 5,426 |
| Net operating income to assets | 1.5953% | 763 |
| Return on assets (ROA) | 1.6470% | 766 |
| Pretax return on assets | 1.7224% | 1,085 |
| Return on Equity (ROE) | 13.9914% | 993 |
| Retained earnings to average equity (ytd only) | 2.2726% | 4,640 |
| Net charge-offs to loans | 0.0797% | 4,874 |
| Credit loss provision to net charge-offs | 76.9231% | 3,932 |
| Earnings coverage of net charge-offs (x) | 35.7912% | 878 |
| Efficiency ratio | 59.0619% | 5,692 |
| Assets per employee ($millions) | 5.0905% | 2,112 |
| Cash dividends to net income (ytd only)* | 83.7572% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 4,106 |
| Loan loss allowance to noncurrent loans | 132.4793% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.6969% | 4,747 |
| Noncurrent loans to loans | 1.0670% | 4,068 |
| Net loans and leases to total assets | 60.2125% | 3,566 |
| Net loans and leases to deposits | 81.4060% | 2,090 |
| Net loans and leases to core deposits | 81.7551% | 2,797 |
| Total domestic deposits to total assets | 73.9656% | 6,529 |
| Equity capital to assets | 11.2661% | 2,668 |
| Core capital (leverage) ratio | 9.6742% | 3,856 |
| Tier 1 risk-based capital ratio | 11.3390% | 6,192 |
| Total risk-based capital ratio | 12.4293% | 6,241 |
| Memoranda: | ||
| Average total assets | $191,011,000 | 3,165 |
| Average earning assets | $175,698,400 | 3,152 |
| Average equity | $22,485,200 | 2,915 |
| Average total loans | $114,156,200 | 3,205 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 3,067 |
| Cost of funding earning assets | 0.4119% | 6,049 |
| Net interest margin | 4.2259% | 1,660 |
| Noninterest income to average assets | 0.5884% | 3,356 |
| Noninterest expense to average assets | 2.7573% | 4,150 |
| Loan and lease loss provision to assets | 0.0497% | 5,141 |
| Net operating income to assets | 1.6048% | 832 |
| Return on assets (ROA) | 1.6075% | 923 |
| Pretax return on assets | 1.6799% | 1,331 |
| Return on Equity (ROE) | 13.4990% | 1,221 |
| Retained earnings to average equity (ytd only) | 1.4303% | 5,613 |
| Net charge-offs to loans | 0.0550% | 4,884 |
| Credit loss provision to net charge-offs | 152.1739% | 1,847 |
| Earnings coverage of net charge-offs (x) | 52.8929% | 722 |
| Efficiency ratio | 58.9269% | 5,675 |
| Assets per employee ($millions) | 4.6890% | 2,613 |
| Cash dividends to net income (ytd only)* | 89.4040% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 3,789 |
| Loan loss allowance to noncurrent loans | 125.2083% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 4,622 |
| Noncurrent loans to loans | 1.2271% | 4,000 |
| Net loans and leases to total assets | 60.1042% | 3,761 |
| Net loans and leases to deposits | 73.6425% | 3,352 |
| Net loans and leases to core deposits | 77.6735% | 3,506 |
| Total domestic deposits to total assets | 81.6162% | 5,159 |
| Equity capital to assets | 11.8954% | 2,356 |
| Core capital (leverage) ratio | 9.3199% | 4,547 |
| Tier 1 risk-based capital ratio | 12.1358% | 5,862 |
| Total risk-based capital ratio | 13.3673% | 5,852 |
| Memoranda: | ||
| Average total assets | $187,859,000 | 3,232 |
| Average earning assets | $173,183,000 | 3,223 |
| Average equity | $22,371,500 | 2,960 |
| Average total loans | $111,604,750 | 3,284 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 3,248 |
| Cost of funding earning assets | 0.4233% | 6,139 |
| Net interest margin | 4.2028% | 1,744 |
| Noninterest income to average assets | 0.5633% | 3,500 |
| Noninterest expense to average assets | 2.8499% | 3,834 |
| Loan and lease loss provision to assets | 0.0107% | 5,527 |
| Net operating income to assets | 1.5118% | 971 |
| Return on assets (ROA) | 1.5118% | 1,092 |
| Pretax return on assets | 1.5805% | 1,602 |
| Return on Equity (ROE) | 12.6905% | 1,447 |
| Retained earnings to average equity (ytd only) | 0.4413% | 5,893 |
| Net charge-offs to loans | 0.1039% | 4,131 |
| Credit loss provision to net charge-offs | 17.5439% | 4,646 |
| Earnings coverage of net charge-offs (x) | 26.0175% | 1,180 |
| Efficiency ratio | 61.3433% | 5,360 |
| Assets per employee ($millions) | 4.8373% | 2,375 |
| Cash dividends to net income (ytd only)* | 96.5224% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 3,817 |
| Loan loss allowance to noncurrent loans | 205.2133% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 5,514 |
| Noncurrent loans to loans | 0.7513% | 5,008 |
| Net loans and leases to total assets | 58.6298% | 4,060 |
| Net loans and leases to deposits | 72.4216% | 3,550 |
| Net loans and leases to core deposits | 72.8691% | 4,185 |
| Total domestic deposits to total assets | 80.9562% | 5,480 |
| Equity capital to assets | 11.9679% | 2,175 |
| Core capital (leverage) ratio | 9.4098% | 4,285 |
| Tier 1 risk-based capital ratio | 12.5569% | 5,528 |
| Total risk-based capital ratio | 13.7974% | 5,514 |
| Memoranda: | ||
| Average total assets | $186,395,000 | 3,262 |
| Average earning assets | $171,981,670 | 3,244 |
| Average equity | $22,205,670 | 2,963 |
| Average total loans | $109,688,330 | 3,345 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 3,281 |
| Cost of funding earning assets | 0.4432% | 6,189 |
| Net interest margin | 4.2043% | 1,748 |
| Noninterest income to average assets | 0.5441% | 3,602 |
| Noninterest expense to average assets | 2.8068% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5373% | 963 |
| Return on assets (ROA) | 1.5373% | 1,083 |
| Pretax return on assets | 1.6085% | 1,542 |
| Return on Equity (ROE) | 12.9340% | 1,422 |
| Retained earnings to average equity (ytd only) | -0.0545% | 5,998 |
| Net charge-offs to loans | 0.0074% | 4,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 372.5000% | 80 |
| Efficiency ratio | 60.9780% | 5,458 |
| Assets per employee ($millions) | 4.6478% | 2,738 |
| Cash dividends to net income (ytd only)* | 100.4213% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 3,438 |
| Loan loss allowance to noncurrent loans | 390.5495% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 6,276 |
| Noncurrent loans to loans | 0.4293% | 5,809 |
| Net loans and leases to total assets | 56.0562% | 4,373 |
| Net loans and leases to deposits | 66.2265% | 4,339 |
| Net loans and leases to core deposits | 66.7512% | 4,826 |
| Total domestic deposits to total assets | 84.6431% | 4,191 |
| Equity capital to assets | 11.9703% | 2,065 |
| Core capital (leverage) ratio | 9.6167% | 3,895 |
| Tier 1 risk-based capital ratio | 13.1474% | 5,099 |
| Total risk-based capital ratio | 14.3983% | 5,067 |
| Memoranda: | ||
| Average total assets | $185,265,000 | 3,293 |
| Average earning assets | $170,588,000 | 3,280 |
| Average equity | $22,019,500 | 2,978 |
| Average total loans | $108,362,500 | 3,398 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 2,755 |
| Cost of funding earning assets | 0.5370% | 6,396 |
| Net interest margin | 4.4935% | 1,147 |
| Noninterest income to average assets | 0.5423% | 3,565 |
| Noninterest expense to average assets | 2.7455% | 4,578 |
| Loan and lease loss provision to assets | 0.2066% | 4,120 |
| Net operating income to assets | 1.6126% | 649 |
| Return on assets (ROA) | 1.6279% | 684 |
| Pretax return on assets | 1.7402% | 910 |
| Return on Equity (ROE) | 14.0151% | 924 |
| Retained earnings to average equity (ytd only) | 2.4889% | 4,455 |
| Net charge-offs to loans | -0.1017% | 7,138 |
| Credit loss provision to net charge-offs | -331.5315% | 6,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3385% | 6,272 |
| Assets per employee ($millions) | 4.6155% | 2,736 |
| Cash dividends to net income (ytd only)* | 82.2414% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 3,561 |
| Loan loss allowance to noncurrent loans | 231.3394% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.4165% | 5,931 |
| Noncurrent loans to loans | 0.6945% | 5,312 |
| Net loans and leases to total assets | 59.0158% | 4,193 |
| Net loans and leases to deposits | 72.2125% | 3,766 |
| Net loans and leases to core deposits | 73.0766% | 4,371 |
| Total domestic deposits to total assets | 81.7252% | 5,222 |
| Equity capital to assets | 11.7999% | 2,270 |
| Core capital (leverage) ratio | 9.7111% | 3,733 |
| Tier 1 risk-based capital ratio | 12.5219% | 5,426 |
| Total risk-based capital ratio | 13.7722% | 5,417 |
| Memoranda: | ||
| Average total assets | $178,145,000 | 3,363 |
| Average earning assets | $163,881,400 | 3,335 |
| Average equity | $20,692,000 | 3,043 |
| Average total loans | $109,170,000 | 3,402 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0887% | 2,661 |
| Cost of funding earning assets | 0.5546% | 6,500 |
| Net interest margin | 4.5341% | 1,078 |
| Noninterest income to average assets | 0.5068% | 3,818 |
| Noninterest expense to average assets | 2.6096% | 5,041 |
| Loan and lease loss provision to assets | 0.2779% | 3,292 |
| Net operating income to assets | 1.6677% | 680 |
| Return on assets (ROA) | 1.6881% | 712 |
| Pretax return on assets | 1.8157% | 926 |
| Return on Equity (ROE) | 14.5941% | 924 |
| Retained earnings to average equity (ytd only) | 3.0690% | 4,500 |
| Net charge-offs to loans | -0.2096% | 7,269 |
| Credit loss provision to net charge-offs | -215.2047% | 6,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3559% | 6,559 |
| Assets per employee ($millions) | 4.4209% | 3,048 |
| Cash dividends to net income (ytd only)* | 78.9706% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6845% | 3,320 |
| Loan loss allowance to noncurrent loans | 369.2771% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 6,355 |
| Noncurrent loans to loans | 0.4562% | 5,935 |
| Net loans and leases to total assets | 60.6943% | 4,006 |
| Net loans and leases to deposits | 73.5863% | 3,711 |
| Net loans and leases to core deposits | 74.6773% | 4,356 |
| Total domestic deposits to total assets | 82.4805% | 4,890 |
| Equity capital to assets | 12.2582% | 2,049 |
| Core capital (leverage) ratio | 9.7586% | 3,759 |
| Tier 1 risk-based capital ratio | 13.1290% | 5,003 |
| Total risk-based capital ratio | 14.3812% | 4,980 |
| Memoranda: | ||
| Average total assets | $176,526,250 | 3,401 |
| Average earning assets | $162,527,500 | 3,375 |
| Average equity | $20,418,750 | 3,086 |
| Average total loans | $108,779,000 | 3,445 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0106% | 3,109 |
| Cost of funding earning assets | 0.5685% | 6,593 |
| Net interest margin | 4.4421% | 1,263 |
| Noninterest income to average assets | 0.4829% | 3,995 |
| Noninterest expense to average assets | 2.6300% | 5,078 |
| Loan and lease loss provision to assets | 0.3435% | 2,723 |
| Net operating income to assets | 1.5317% | 834 |
| Return on assets (ROA) | 1.5622% | 839 |
| Pretax return on assets | 1.6336% | 1,194 |
| Return on Equity (ROE) | 13.7805% | 1,023 |
| Retained earnings to average equity (ytd only) | 2.3301% | 4,804 |
| Net charge-offs to loans | -0.0239% | 6,861 |
| Credit loss provision to net charge-offs | -2,330.7692% | 6,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0297% | 6,503 |
| Assets per employee ($millions) | 4.6265% | 2,652 |
| Cash dividends to net income (ytd only)* | 83.0914% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 4,265 |
| Loan loss allowance to noncurrent loans | 274.3633% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 6,312 |
| Noncurrent loans to loans | 0.5351% | 5,845 |
| Net loans and leases to total assets | 60.1057% | 4,250 |
| Net loans and leases to deposits | 73.5763% | 3,870 |
| Net loans and leases to core deposits | 78.8670% | 3,953 |
| Total domestic deposits to total assets | 81.6917% | 5,276 |
| Equity capital to assets | 11.5805% | 2,430 |
| Core capital (leverage) ratio | 9.5675% | 3,857 |
| Tier 1 risk-based capital ratio | 12.9957% | 4,918 |
| Total risk-based capital ratio | 14.2348% | 4,909 |
| Memoranda: | ||
| Average total assets | $176,422,670 | 3,430 |
| Average earning assets | $162,534,000 | 3,394 |
| Average equity | $19,999,330 | 3,124 |
| Average total loans | $108,649,000 | 3,490 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 3,225 |
| Cost of funding earning assets | 0.5934% | 6,628 |
| Net interest margin | 4.3810% | 1,336 |
| Noninterest income to average assets | 0.3922% | 4,770 |
| Noninterest expense to average assets | 2.6098% | 5,184 |
| Loan and lease loss provision to assets | 0.3738% | 2,319 |
| Net operating income to assets | 1.3806% | 1,092 |
| Return on assets (ROA) | 1.3806% | 1,145 |
| Pretax return on assets | 1.4379% | 1,628 |
| Return on Equity (ROE) | 12.3162% | 1,373 |
| Retained earnings to average equity (ytd only) | -0.4706% | 5,881 |
| Net charge-offs to loans | -0.0074% | 6,296 |
| Credit loss provision to net charge-offs | -8,150.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4834% | 6,445 |
| Assets per employee ($millions) | 4.2374% | 3,373 |
| Cash dividends to net income (ytd only)* | 103.8206% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,722 |
| Loan loss allowance to noncurrent loans | 257.4692% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 6,393 |
| Noncurrent loans to loans | 0.5393% | 5,949 |
| Net loans and leases to total assets | 58.4638% | 4,564 |
| Net loans and leases to deposits | 70.9494% | 4,201 |
| Net loans and leases to core deposits | 72.2129% | 4,758 |
| Total domestic deposits to total assets | 82.4021% | 5,146 |
| Equity capital to assets | 11.1356% | 2,550 |
| Core capital (leverage) ratio | 9.4707% | 3,859 |
| Tier 1 risk-based capital ratio | 12.7318% | 5,031 |
| Total risk-based capital ratio | 13.8549% | 5,141 |
| Memoranda: | ||
| Average total assets | $174,418,000 | 3,475 |
| Average earning assets | $160,419,000 | 3,454 |
| Average equity | $19,551,500 | 3,179 |
| Average total loans | $107,940,500 | 3,542 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3009% | 3,126 |
| Cost of funding earning assets | 0.7555% | 6,720 |
| Net interest margin | 4.5454% | 1,145 |
| Noninterest income to average assets | 0.4911% | 4,242 |
| Noninterest expense to average assets | 2.5543% | 5,604 |
| Loan and lease loss provision to assets | 0.5408% | 2,984 |
| Net operating income to assets | 1.5192% | 731 |
| Return on assets (ROA) | 1.5367% | 770 |
| Pretax return on assets | 1.6024% | 1,122 |
| Return on Equity (ROE) | 13.9585% | 885 |
| Retained earnings to average equity (ytd only) | 2.8062% | 3,885 |
| Net charge-offs to loans | 0.6722% | 2,991 |
| Credit loss provision to net charge-offs | 134.7084% | 2,896 |
| Earnings coverage of net charge-offs (x) | 5.2930% | 2,667 |
| Efficiency ratio | 52.1723% | 6,977 |
| Assets per employee ($millions) | 4.2717% | 3,259 |
| Cash dividends to net income (ytd only)* | 79.8959% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 5,615 |
| Loan loss allowance to noncurrent loans | 228.4710% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 6,419 |
| Noncurrent loans to loans | 0.5155% | 6,007 |
| Net loans and leases to total assets | 63.8325% | 3,907 |
| Net loans and leases to deposits | 78.3489% | 3,457 |
| Net loans and leases to core deposits | 79.6442% | 4,257 |
| Total domestic deposits to total assets | 81.4720% | 5,363 |
| Equity capital to assets | 11.2866% | 2,420 |
| Core capital (leverage) ratio | 9.6528% | 3,481 |
| Tier 1 risk-based capital ratio | 12.3987% | 5,113 |
| Total risk-based capital ratio | 13.3711% | 5,344 |
| Memoranda: | ||
| Average total assets | $175,114,000 | 3,454 |
| Average earning assets | $161,349,400 | 3,423 |
| Average equity | $19,278,600 | 3,244 |
| Average total loans | $104,581,200 | 3,664 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 3,609 |
| Cost of funding earning assets | 0.7863% | 6,808 |
| Net interest margin | 4.4580% | 1,349 |
| Noninterest income to average assets | 0.4442% | 4,606 |
| Noninterest expense to average assets | 2.4990% | 5,719 |
| Loan and lease loss provision to assets | 0.5926% | 2,571 |
| Net operating income to assets | 1.4082% | 1,086 |
| Return on assets (ROA) | 1.4220% | 1,139 |
| Pretax return on assets | 1.4818% | 1,657 |
| Return on Equity (ROE) | 12.9962% | 1,248 |
| Retained earnings to average equity (ytd only) | 1.0997% | 5,374 |
| Net charge-offs to loans | 0.8959% | 2,206 |
| Credit loss provision to net charge-offs | 112.9870% | 3,721 |
| Earnings coverage of net charge-offs (x) | 3.9278% | 3,254 |
| Efficiency ratio | 52.3572% | 6,947 |
| Assets per employee ($millions) | 4.2225% | 3,403 |
| Cash dividends to net income (ytd only)* | 91.5382% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 6,195 |
| Loan loss allowance to noncurrent loans | 66.0138% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.0189% | 5,058 |
| Noncurrent loans to loans | 1.5825% | 4,268 |
| Net loans and leases to total assets | 62.7038% | 4,384 |
| Net loans and leases to deposits | 79.3123% | 3,577 |
| Net loans and leases to core deposits | 81.6742% | 4,289 |
| Total domestic deposits to total assets | 79.0593% | 6,006 |
| Equity capital to assets | 11.6242% | 2,434 |
| Core capital (leverage) ratio | 9.5012% | 3,902 |
| Tier 1 risk-based capital ratio | 12.2537% | 5,215 |
| Total risk-based capital ratio | 13.1235% | 5,546 |
| Memoranda: | ||
| Average total assets | $176,176,000 | 3,479 |
| Average earning assets | $162,611,250 | 3,452 |
| Average equity | $19,277,000 | 3,279 |
| Average total loans | $103,134,500 | 3,760 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1573% | 4,157 |
| Cost of funding earning assets | 0.8080% | 6,882 |
| Net interest margin | 4.3493% | 1,594 |
| Noninterest income to average assets | 0.4086% | 4,841 |
| Noninterest expense to average assets | 2.4730% | 5,821 |
| Loan and lease loss provision to assets | 0.5565% | 2,545 |
| Net operating income to assets | 1.3551% | 1,183 |
| Return on assets (ROA) | 1.3759% | 1,205 |
| Pretax return on assets | 1.4165% | 1,793 |
| Return on Equity (ROE) | 12.8352% | 1,279 |
| Retained earnings to average equity (ytd only) | 1.4109% | 5,171 |
| Net charge-offs to loans | 0.6934% | 2,483 |
| Credit loss provision to net charge-offs | 140.8571% | 2,836 |
| Earnings coverage of net charge-offs (x) | 4.9400% | 2,803 |
| Efficiency ratio | 53.3673% | 6,949 |
| Assets per employee ($millions) | 4.1028% | 3,575 |
| Cash dividends to net income (ytd only)* | 89.0074% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,697 |
| Loan loss allowance to noncurrent loans | 65.6627% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.0637% | 5,010 |
| Noncurrent loans to loans | 1.7495% | 4,058 |
| Net loans and leases to total assets | 59.8730% | 5,084 |
| Net loans and leases to deposits | 75.3185% | 4,456 |
| Net loans and leases to core deposits | 78.4280% | 4,877 |
| Total domestic deposits to total assets | 79.4931% | 5,892 |
| Equity capital to assets | 11.3076% | 2,592 |
| Core capital (leverage) ratio | 9.2677% | 4,178 |
| Tier 1 risk-based capital ratio | 12.6845% | 4,701 |
| Total risk-based capital ratio | 13.6321% | 4,943 |
| Memoranda: | ||
| Average total assets | $177,194,000 | 3,479 |
| Average earning assets | $163,613,330 | 3,452 |
| Average equity | $18,994,670 | 3,302 |
| Average total loans | $100,946,000 | 3,864 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1087% | 4,493 |
| Cost of funding earning assets | 0.8277% | 7,007 |
| Net interest margin | 4.2809% | 1,753 |
| Noninterest income to average assets | 0.3162% | 5,618 |
| Noninterest expense to average assets | 2.4161% | 6,030 |
| Loan and lease loss provision to assets | 0.7705% | 1,645 |
| Net operating income to assets | 1.0555% | 1,984 |
| Return on assets (ROA) | 1.0555% | 2,048 |
| Pretax return on assets | 1.0800% | 2,802 |
| Return on Equity (ROE) | 10.1123% | 2,063 |
| Retained earnings to average equity (ytd only) | -3.7548% | 6,471 |
| Net charge-offs to loans | 1.4068% | 1,226 |
| Credit loss provision to net charge-offs | 99.1404% | 3,468 |
| Earnings coverage of net charge-offs (x) | 2.3811% | 3,348 |
| Efficiency ratio | 54.0710% | 6,966 |
| Assets per employee ($millions) | 4.3478% | 3,216 |
| Cash dividends to net income (ytd only)* | 137.1308% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 6,240 |
| Loan loss allowance to noncurrent loans | 494.3662% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 7,171 |
| Noncurrent loans to loans | 0.2121% | 6,913 |
| Net loans and leases to total assets | 55.7531% | 5,783 |
| Net loans and leases to deposits | 66.8489% | 5,729 |
| Net loans and leases to core deposits | 68.2524% | 6,071 |
| Total domestic deposits to total assets | 83.4017% | 4,426 |
| Equity capital to assets | 10.5762% | 3,170 |
| Core capital (leverage) ratio | 8.7561% | 4,931 |
| Tier 1 risk-based capital ratio | 12.8778% | 4,418 |
| Total risk-based capital ratio | 13.7423% | 4,710 |
| Memoranda: | ||
| Average total assets | $179,632,000 | 3,505 |
| Average earning assets | $165,758,000 | 3,468 |
| Average equity | $18,749,500 | 3,362 |
| Average total loans | $99,233,500 | 3,980 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 4,255 |
| Cost of funding earning assets | 1.2032% | 6,648 |
| Net interest margin | 4.2765% | 1,795 |
| Noninterest income to average assets | 0.3948% | 5,247 |
| Noninterest expense to average assets | 2.5876% | 5,834 |
| Loan and lease loss provision to assets | 0.2062% | 5,693 |
| Net operating income to assets | 1.4949% | 679 |
| Return on assets (ROA) | 1.5394% | 661 |
| Pretax return on assets | 1.6114% | 940 |
| Return on Equity (ROE) | 15.3312% | 623 |
| Retained earnings to average equity (ytd only) | 8.7138% | 540 |
| Net charge-offs to loans | 0.0359% | 6,766 |
| Credit loss provision to net charge-offs | 1,090.3226% | 271 |
| Earnings coverage of net charge-offs (x) | 93.6452% | 297 |
| Efficiency ratio | 59.3645% | 6,577 |
| Assets per employee ($millions) | 4.3096% | 3,259 |
| Cash dividends to net income (ytd only)* | 43.1629% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 6,008 |
| Loan loss allowance to noncurrent loans | 154.6120% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 6,507 |
| Noncurrent loans to loans | 0.6967% | 5,844 |
| Net loans and leases to total assets | 53.5748% | 6,238 |
| Net loans and leases to deposits | 64.8922% | 6,169 |
| Net loans and leases to core deposits | 71.9689% | 6,659 |
| Total domestic deposits to total assets | 82.5596% | 4,722 |
| Equity capital to assets | 10.3014% | 3,402 |
| Core capital (leverage) ratio | 8.8340% | 4,713 |
| Tier 1 risk-based capital ratio | 13.2140% | 4,002 |
| Total risk-based capital ratio | 14.0974% | 4,201 |
| Memoranda: | ||
| Average total assets | $163,896,800 | 3,699 |
| Average earning assets | $151,923,600 | 3,676 |
| Average equity | $16,456,600 | 3,787 |
| Average total loans | $86,231,800 | 4,323 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5338% | 4,249 |
| Cost of funding earning assets | 1.2807% | 6,619 |
| Net interest margin | 4.2531% | 1,860 |
| Noninterest income to average assets | 0.3867% | 5,424 |
| Noninterest expense to average assets | 2.4850% | 6,123 |
| Loan and lease loss provision to assets | 0.2021% | 5,369 |
| Net operating income to assets | 1.5762% | 696 |
| Return on assets (ROA) | 1.5762% | 751 |
| Pretax return on assets | 1.6497% | 1,071 |
| Return on Equity (ROE) | 15.8143% | 679 |
| Retained earnings to average equity (ytd only) | 9.5288% | 722 |
| Net charge-offs to loans | 0.0464% | 6,261 |
| Credit loss provision to net charge-offs | 834.4828% | 456 |
| Earnings coverage of net charge-offs (x) | 76.4399% | 446 |
| Efficiency ratio | 57.2997% | 6,828 |
| Assets per employee ($millions) | 4.4087% | 3,014 |
| Cash dividends to net income (ytd only)* | 39.7458% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,252 |
| Loan loss allowance to noncurrent loans | 165.5766% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 6,699 |
| Noncurrent loans to loans | 0.6076% | 6,092 |
| Net loans and leases to total assets | 51.1190% | 6,691 |
| Net loans and leases to deposits | 64.2792% | 6,469 |
| Net loans and leases to core deposits | 71.8679% | 6,855 |
| Total domestic deposits to total assets | 79.5265% | 5,615 |
| Equity capital to assets | 10.4522% | 3,569 |
| Core capital (leverage) ratio | 8.6201% | 5,278 |
| Tier 1 risk-based capital ratio | 13.1956% | 4,057 |
| Total risk-based capital ratio | 14.0179% | 4,285 |
| Memoranda: | ||
| Average total assets | $159,619,750 | 3,799 |
| Average earning assets | $148,249,500 | 3,756 |
| Average equity | $15,909,250 | 3,926 |
| Average total loans | $83,282,500 | 4,441 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5304% | 4,441 |
| Cost of funding earning assets | 1.3303% | 6,705 |
| Net interest margin | 4.2001% | 2,001 |
| Noninterest income to average assets | 0.3852% | 5,421 |
| Noninterest expense to average assets | 2.3785% | 6,530 |
| Loan and lease loss provision to assets | 0.1654% | 5,410 |
| Net operating income to assets | 1.6611% | 604 |
| Return on assets (ROA) | 1.6611% | 663 |
| Pretax return on assets | 1.7485% | 933 |
| Return on Equity (ROE) | 17.0043% | 581 |
| Retained earnings to average equity (ytd only) | 10.9071% | 579 |
| Net charge-offs to loans | 0.0733% | 5,478 |
| Credit loss provision to net charge-offs | 431.0345% | 1,071 |
| Earnings coverage of net charge-offs (x) | 49.8621% | 684 |
| Efficiency ratio | 55.4117% | 7,178 |
| Assets per employee ($millions) | 4.6660% | 2,505 |
| Cash dividends to net income (ytd only)* | 35.8566% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 5,918 |
| Loan loss allowance to noncurrent loans | 115.1226% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4767% | 6,247 |
| Noncurrent loans to loans | 0.9112% | 5,395 |
| Net loans and leases to total assets | 51.7668% | 6,714 |
| Net loans and leases to deposits | 61.7409% | 6,749 |
| Net loans and leases to core deposits | 68.9163% | 7,079 |
| Total domestic deposits to total assets | 83.8452% | 3,847 |
| Equity capital to assets | 9.6903% | 4,362 |
| Core capital (leverage) ratio | 8.5560% | 5,346 |
| Tier 1 risk-based capital ratio | 12.3810% | 4,618 |
| Total risk-based capital ratio | 13.2166% | 4,865 |
| Memoranda: | ||
| Average total assets | $151,104,330 | 3,976 |
| Average earning assets | $140,568,670 | 3,937 |
| Average equity | $14,761,000 | 4,149 |
| Average total loans | $79,171,000 | 4,614 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6534% | 4,029 |
| Cost of funding earning assets | 1.4400% | 6,612 |
| Net interest margin | 4.2134% | 1,849 |
| Noninterest income to average assets | 0.3635% | 5,527 |
| Noninterest expense to average assets | 2.3332% | 6,427 |
| Loan and lease loss provision to assets | 0.0668% | 6,112 |
| Net operating income to assets | 1.8013% | 527 |
| Return on assets (ROA) | 1.8013% | 582 |
| Pretax return on assets | 1.8655% | 867 |
| Return on Equity (ROE) | 18.3639% | 566 |
| Retained earnings to average equity (ytd only) | 6.1031% | 2,583 |
| Net charge-offs to loans | 0.1529% | 3,734 |
| Credit loss provision to net charge-offs | 83.3333% | 4,133 |
| Earnings coverage of net charge-offs (x) | 24.1000% | 1,251 |
| Efficiency ratio | 54.6992% | 7,149 |
| Assets per employee ($millions) | 4.5197% | 2,686 |
| Cash dividends to net income (ytd only)* | 66.7656% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 6,504 |
| Loan loss allowance to noncurrent loans | 134.0541% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 5,850 |
| Noncurrent loans to loans | 0.7073% | 5,643 |
| Net loans and leases to total assets | 52.1073% | 6,670 |
| Net loans and leases to deposits | 62.0275% | 6,736 |
| Net loans and leases to core deposits | 69.1146% | 7,076 |
| Total domestic deposits to total assets | 84.0067% | 3,699 |
| Equity capital to assets | 9.7566% | 4,300 |
| Core capital (leverage) ratio | 8.2015% | 6,100 |
| Tier 1 risk-based capital ratio | 12.8070% | 4,320 |
| Total risk-based capital ratio | 13.6065% | 4,577 |
| Memoranda: | ||
| Average total assets | $149,667,000 | 4,017 |
| Average earning assets | $138,606,500 | 3,983 |
| Average equity | $14,681,000 | 4,196 |
| Average total loans | $78,479,000 | 4,662 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1673% | 4,682 |
| Cost of funding earning assets | 1.8845% | 6,777 |
| Net interest margin | 4.2828% | 2,038 |
| Noninterest income to average assets | 0.3898% | 5,560 |
| Noninterest expense to average assets | 2.4670% | 6,142 |
| Loan and lease loss provision to assets | 0.0108% | 7,234 |
| Net operating income to assets | 1.8086% | 547 |
| Return on assets (ROA) | 1.8286% | 505 |
| Pretax return on assets | 1.8971% | 769 |
| Return on Equity (ROE) | 19.4313% | 421 |
| Retained earnings to average equity (ytd only) | 15.9860% | 70 |
| Net charge-offs to loans | 0.0550% | 5,997 |
| Credit loss provision to net charge-offs | 35.7143% | 6,484 |
| Earnings coverage of net charge-offs (x) | 62.3571% | 645 |
| Efficiency ratio | 56.6606% | 6,917 |
| Assets per employee ($millions) | 4.5510% | 2,538 |
| Cash dividends to net income (ytd only)* | 17.7305% | 4,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 6,378 |
| Loan loss allowance to noncurrent loans | 147.7318% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 6,255 |
| Noncurrent loans to loans | 0.6459% | 5,428 |
| Net loans and leases to total assets | 51.7678% | 6,865 |
| Net loans and leases to deposits | 65.4287% | 6,682 |
| Net loans and leases to core deposits | 73.2467% | 7,010 |
| Total domestic deposits to total assets | 79.1209% | 5,329 |
| Equity capital to assets | 9.8612% | 4,208 |
| Core capital (leverage) ratio | 8.0609% | 6,389 |
| Tier 1 risk-based capital ratio | 10.9989% | 5,728 |
| Total risk-based capital ratio | 11.7044% | 6,134 |
| Memoranda: | ||
| Average total assets | $138,793,800 | 4,107 |
| Average earning assets | $128,467,000 | 4,069 |
| Average equity | $13,061,400 | 4,553 |
| Average total loans | $76,403,000 | 4,638 |