Home > Bank of Lake Mills > Performance and Condition Ratios
Bank of Lake Mills, 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 | 5.8894% | 733 |
| Cost of funding earning assets | 1.9410% | 1,012 |
| Net interest margin | 3.9483% | 1,279 |
| Noninterest income to average assets | 1.3000% | 458 |
| Noninterest expense to average assets | 2.9169% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9584% | 495 |
| Return on assets (ROA) | 1.9584% | 470 |
| Pretax return on assets | 2.0742% | 606 |
| Return on Equity (ROE) | 18.0500% | 810 |
| Retained earnings to average equity (ytd only) | 12.5430% | 570 |
| Net charge-offs to loans | 0.0045% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 583.7500% | 251 |
| Efficiency ratio | 58.4421% | 3,251 |
| Assets per employee ($millions) | 8.4479% | 1,204 |
| Cash dividends to net income (ytd only)* | 30.4959% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 3,645 |
| Loan loss allowance to noncurrent loans | 2,428.7234% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,477 |
| Noncurrent loans to loans | 0.0379% | 3,453 |
| Net loans and leases to total assets | 76.5400% | 1,041 |
| Net loans and leases to deposits | 96.9056% | 725 |
| Net loans and leases to core deposits | 108.0666% | 1,034 |
| Total domestic deposits to total assets | 78.9900% | 3,614 |
| Equity capital to assets | 12.2647% | 1,044 |
| Core capital (leverage) ratio | 13.2447% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7864% | 709 |
| Memoranda: | ||
| Average total assets | $337,718,600 | 2,240 |
| Average earning assets | $315,450,200 | 2,221 |
| Average equity | $36,650,000 | 1,996 |
| Average total loans | $269,533,200 | 1,914 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8015% | 687 |
| Cost of funding earning assets | 1.8695% | 901 |
| Net interest margin | 3.9320% | 1,338 |
| Noninterest income to average assets | 1.4300% | 415 |
| Noninterest expense to average assets | 2.9166% | 1,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0739% | 452 |
| Return on assets (ROA) | 2.0739% | 446 |
| Pretax return on assets | 2.2065% | 555 |
| Return on Equity (ROE) | 19.7100% | 752 |
| Retained earnings to average equity (ytd only) | 14.5824% | 606 |
| Net charge-offs to loans | 0.0039% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 707.2500% | 224 |
| Efficiency ratio | 56.9308% | 3,321 |
| Assets per employee ($millions) | 9.0465% | 914 |
| Cash dividends to net income (ytd only)* | 26.0248% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 3,995 |
| Loan loss allowance to noncurrent loans | 1,403.0675% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,345 |
| Noncurrent loans to loans | 0.0566% | 3,349 |
| Net loans and leases to total assets | 80.9700% | 542 |
| Net loans and leases to deposits | 106.9618% | 274 |
| Net loans and leases to core deposits | 127.6286% | 377 |
| Total domestic deposits to total assets | 75.7000% | 4,037 |
| Equity capital to assets | 10.2142% | 1,696 |
| Core capital (leverage) ratio | 12.3214% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0499% | 1,089 |
| Memoranda: | ||
| Average total assets | $341,893,500 | 2,231 |
| Average earning assets | $321,153,000 | 2,203 |
| Average equity | $35,969,500 | 2,009 |
| Average total loans | $274,917,750 | 1,898 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5588% | 769 |
| Cost of funding earning assets | 1.7325% | 839 |
| Net interest margin | 3.8263% | 1,570 |
| Noninterest income to average assets | 1.6600% | 294 |
| Noninterest expense to average assets | 2.8292% | 1,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2557% | 325 |
| Return on assets (ROA) | 2.2557% | 319 |
| Pretax return on assets | 2.4218% | 391 |
| Return on Equity (ROE) | 21.2300% | 602 |
| Retained earnings to average equity (ytd only) | 15.7398% | 500 |
| Net charge-offs to loans | -0.0007% | 3,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.8791% | 3,625 |
| Assets per employee ($millions) | 8.3292% | 1,171 |
| Cash dividends to net income (ytd only)* | 25.8453% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 3,739 |
| Loan loss allowance to noncurrent loans | 693.6556% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 2,805 |
| Noncurrent loans to loans | 0.1317% | 2,813 |
| Net loans and leases to total assets | 78.7100% | 766 |
| Net loans and leases to deposits | 107.2760% | 266 |
| Net loans and leases to core deposits | 116.1449% | 622 |
| Total domestic deposits to total assets | 73.3700% | 4,231 |
| Equity capital to assets | 11.6199% | 1,166 |
| Core capital (leverage) ratio | 12.6283% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1214% | 801 |
| Memoranda: | ||
| Average total assets | $338,254,000 | 2,247 |
| Average earning assets | $317,694,667 | 2,229 |
| Average equity | $35,947,000 | 2,023 |
| Average total loans | $270,568,000 | 1,908 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1939% | 251 |
| Cost of funding earning assets | 1.8134% | 439 |
| Net interest margin | 4.3805% | 710 |
| Noninterest income to average assets | 2.3500% | 202 |
| Noninterest expense to average assets | 3.2607% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.0705% | 145 |
| Return on assets (ROA) | 3.0705% | 144 |
| Pretax return on assets | 3.2069% | 173 |
| Return on Equity (ROE) | 30.1700% | 233 |
| Retained earnings to average equity (ytd only) | 25.0369% | 179 |
| Net charge-offs to loans | -0.0014% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.4163% | 3,903 |
| Assets per employee ($millions) | 9.2667% | 849 |
| Cash dividends to net income (ytd only)* | 17.0149% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,112 |
| Loan loss allowance to noncurrent loans | 1,594.4444% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,391 |
| Noncurrent loans to loans | 0.0493% | 3,387 |
| Net loans and leases to total assets | 80.1300% | 527 |
| Net loans and leases to deposits | 107.3371% | 222 |
| Net loans and leases to core deposits | 121.9129% | 393 |
| Total domestic deposits to total assets | 74.6500% | 4,254 |
| Equity capital to assets | 10.2438% | 1,696 |
| Core capital (leverage) ratio | 11.0435% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8598% | 1,406 |
| Memoranda: | ||
| Average total assets | $349,126,500 | 2,240 |
| Average earning assets | $328,000,500 | 2,222 |
| Average equity | $35,531,500 | 2,060 |
| Average total loans | $280,141,500 | 1,881 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4228% | 838 |
| Cost of funding earning assets | 0.4953% | 1,423 |
| Net interest margin | 3.9275% | 899 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 3.0277% | 930 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.6131% | 671 |
| Return on assets (ROA) | 1.6131% | 644 |
| Pretax return on assets | 1.7445% | 825 |
| Return on Equity (ROE) | 14.7200% | 1,334 |
| Retained earnings to average equity (ytd only) | 10.6363% | 972 |
| Net charge-offs to loans | -0.0102% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.3708% | 2,582 |
| Assets per employee ($millions) | 8.4213% | 1,129 |
| Cash dividends to net income (ytd only)* | 27.7399% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 3,906 |
| Loan loss allowance to noncurrent loans | 1,928.5714% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,449 |
| Noncurrent loans to loans | 0.0443% | 3,442 |
| Net loans and leases to total assets | 79.0000% | 694 |
| Net loans and leases to deposits | 102.0126% | 364 |
| Net loans and leases to core deposits | 106.7101% | 724 |
| Total domestic deposits to total assets | 77.4400% | 4,134 |
| Equity capital to assets | 10.1059% | 1,661 |
| Core capital (leverage) ratio | 11.3897% | 1,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5538% | 1,220 |
| Memoranda: | ||
| Average total assets | $308,852,000 | 2,410 |
| Average earning assets | $292,121,000 | 2,376 |
| Average equity | $33,846,200 | 2,162 |
| Average total loans | $225,372,800 | 2,080 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 1,671 |
| Cost of funding earning assets | 0.3027% | 2,130 |
| Net interest margin | 3.5223% | 1,602 |
| Noninterest income to average assets | 1.1600% | 530 |
| Noninterest expense to average assets | 2.9033% | 1,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4616% | 930 |
| Return on assets (ROA) | 1.4616% | 910 |
| Pretax return on assets | 1.5954% | 1,129 |
| Return on Equity (ROE) | 13.0500% | 1,685 |
| Retained earnings to average equity (ytd only) | 8.6829% | 1,762 |
| Net charge-offs to loans | -0.0186% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.5361% | 2,477 |
| Assets per employee ($millions) | 8.3821% | 1,127 |
| Cash dividends to net income (ytd only)* | 33.4844% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 3,996 |
| Loan loss allowance to noncurrent loans | 2,567.4157% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,668 |
| Noncurrent loans to loans | 0.0330% | 3,658 |
| Net loans and leases to total assets | 79.8600% | 540 |
| Net loans and leases to deposits | 97.9514% | 460 |
| Net loans and leases to core deposits | 103.0936% | 695 |
| Total domestic deposits to total assets | 81.5300% | 3,902 |
| Equity capital to assets | 9.3267% | 1,997 |
| Core capital (leverage) ratio | 12.1200% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8521% | 1,469 |
| Memoranda: | ||
| Average total assets | $301,851,750 | 2,462 |
| Average earning assets | $286,319,500 | 2,425 |
| Average equity | $33,797,250 | 2,198 |
| Average total loans | $214,616,000 | 2,138 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 1,315 |
| Cost of funding earning assets | 0.2450% | 2,332 |
| Net interest margin | 3.5558% | 1,169 |
| Noninterest income to average assets | 1.2143% | 465 |
| Noninterest expense to average assets | 2.9521% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4929% | 725 |
| Return on assets (ROA) | 1.4929% | 704 |
| Pretax return on assets | 1.6367% | 869 |
| Return on Equity (ROE) | 12.5291% | 1,518 |
| Retained earnings to average equity (ytd only) | 8.2565% | 1,529 |
| Net charge-offs to loans | -0.0020% | 3,134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3328% | 2,730 |
| Assets per employee ($millions) | 7.2549% | 1,768 |
| Cash dividends to net income (ytd only)* | 34.1014% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,057 |
| Loan loss allowance to noncurrent loans | 2,535.9551% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,672 |
| Noncurrent loans to loans | 0.0444% | 3,609 |
| Net loans and leases to total assets | 68.3218% | 1,456 |
| Net loans and leases to deposits | 77.2540% | 1,592 |
| Net loans and leases to core deposits | 78.7765% | 1,793 |
| Total domestic deposits to total assets | 88.4378% | 2,411 |
| Equity capital to assets | 11.2042% | 1,133 |
| Core capital (leverage) ratio | 12.6277% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3301% | 676 |
| Memoranda: | ||
| Average total assets | $290,708,000 | 2,530 |
| Average earning assets | $275,887,333 | 2,505 |
| Average equity | $34,639,333 | 2,212 |
| Average total loans | $196,139,333 | 2,261 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 630 |
| Cost of funding earning assets | 0.2572% | 2,072 |
| Net interest margin | 3.8507% | 569 |
| Noninterest income to average assets | 1.4105% | 381 |
| Noninterest expense to average assets | 3.2444% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6758% | 427 |
| Return on assets (ROA) | 1.6758% | 429 |
| Pretax return on assets | 1.8298% | 514 |
| Return on Equity (ROE) | 13.6575% | 900 |
| Retained earnings to average equity (ytd only) | 9.3216% | 1,179 |
| Net charge-offs to loans | -0.0021% | 3,117 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9393% | 3,034 |
| Assets per employee ($millions) | 6.9070% | 2,057 |
| Cash dividends to net income (ytd only)* | 31.7473% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,891 |
| Loan loss allowance to noncurrent loans | 2,479.1209% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 3,721 |
| Noncurrent loans to loans | 0.0482% | 3,633 |
| Net loans and leases to total assets | 64.3556% | 1,578 |
| Net loans and leases to deposits | 74.7583% | 1,540 |
| Net loans and leases to core deposits | 76.3487% | 1,756 |
| Total domestic deposits to total assets | 86.0848% | 3,228 |
| Equity capital to assets | 11.8138% | 1,016 |
| Core capital (leverage) ratio | 12.6063% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9109% | 651 |
| Memoranda: | ||
| Average total assets | $290,964,000 | 2,543 |
| Average earning assets | $276,832,500 | 2,513 |
| Average equity | $35,702,000 | 2,226 |
| Average total loans | $193,947,000 | 2,274 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 1,601 |
| Cost of funding earning assets | 0.4074% | 1,494 |
| Net interest margin | 3.4963% | 1,747 |
| Noninterest income to average assets | 2.7176% | 206 |
| Noninterest expense to average assets | 3.0980% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.7493% | 120 |
| Return on assets (ROA) | 2.7493% | 122 |
| Pretax return on assets | 2.9193% | 156 |
| Return on Equity (ROE) | 20.9564% | 265 |
| Retained earnings to average equity (ytd only) | 15.9946% | 175 |
| Net charge-offs to loans | -0.0031% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4844% | 4,162 |
| Assets per employee ($millions) | 6.7869% | 2,080 |
| Cash dividends to net income (ytd only)* | 23.6767% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,211 |
| Loan loss allowance to noncurrent loans | 1,761.7188% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,688 |
| Noncurrent loans to loans | 0.0643% | 3,622 |
| Net loans and leases to total assets | 67.3984% | 1,327 |
| Net loans and leases to deposits | 79.0566% | 1,290 |
| Net loans and leases to core deposits | 81.8932% | 1,468 |
| Total domestic deposits to total assets | 85.2533% | 3,187 |
| Equity capital to assets | 12.7240% | 986 |
| Core capital (leverage) ratio | 13.4299% | 700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3102% | 718 |
| Memoranda: | ||
| Average total assets | $268,690,800 | 2,609 |
| Average earning assets | $253,584,400 | 2,592 |
| Average equity | $35,249,400 | 2,276 |
| Average total loans | $195,614,800 | 2,260 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8587% | 1,893 |
| Cost of funding earning assets | 0.4406% | 1,416 |
| Net interest margin | 3.4181% | 2,105 |
| Noninterest income to average assets | 3.1093% | 185 |
| Noninterest expense to average assets | 3.0241% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.1377% | 106 |
| Return on assets (ROA) | 3.1377% | 110 |
| Pretax return on assets | 3.3035% | 135 |
| Return on Equity (ROE) | 23.7190% | 223 |
| Retained earnings to average equity (ytd only) | 18.7928% | 170 |
| Net charge-offs to loans | -0.0027% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7919% | 4,380 |
| Assets per employee ($millions) | 6.2057% | 2,495 |
| Cash dividends to net income (ytd only)* | 20.7694% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 3,727 |
| Loan loss allowance to noncurrent loans | 1,143.6548% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,616 |
| Noncurrent loans to loans | 0.0905% | 3,626 |
| Net loans and leases to total assets | 80.7482% | 255 |
| Net loans and leases to deposits | 96.2414% | 342 |
| Net loans and leases to core deposits | 99.9462% | 586 |
| Total domestic deposits to total assets | 83.9018% | 3,485 |
| Equity capital to assets | 13.7212% | 801 |
| Core capital (leverage) ratio | 13.8984% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9376% | 974 |
| Memoranda: | ||
| Average total assets | $262,904,750 | 2,672 |
| Average earning assets | $247,540,500 | 2,653 |
| Average equity | $34,778,500 | 2,333 |
| Average total loans | $194,781,750 | 2,305 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 2,095 |
| Cost of funding earning assets | 0.4701% | 1,382 |
| Net interest margin | 3.3211% | 2,379 |
| Noninterest income to average assets | 3.4749% | 157 |
| Noninterest expense to average assets | 2.8770% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.5498% | 88 |
| Return on assets (ROA) | 3.5498% | 90 |
| Pretax return on assets | 3.7195% | 107 |
| Return on Equity (ROE) | 27.1785% | 143 |
| Retained earnings to average equity (ytd only) | 21.9220% | 113 |
| Net charge-offs to loans | -0.0021% | 3,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6138% | 4,635 |
| Assets per employee ($millions) | 6.1727% | 2,456 |
| Cash dividends to net income (ytd only)* | 19.3409% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 3,025 |
| Loan loss allowance to noncurrent loans | 1,197.3404% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 3,724 |
| Noncurrent loans to loans | 0.0989% | 3,691 |
| Net loans and leases to total assets | 72.4264% | 915 |
| Net loans and leases to deposits | 86.2497% | 901 |
| Net loans and leases to core deposits | 89.1946% | 1,195 |
| Total domestic deposits to total assets | 83.9729% | 3,450 |
| Equity capital to assets | 13.7085% | 779 |
| Core capital (leverage) ratio | 13.5058% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0552% | 697 |
| Memoranda: | ||
| Average total assets | $261,592,000 | 2,671 |
| Average earning assets | $245,881,333 | 2,650 |
| Average equity | $34,166,667 | 2,350 |
| Average total loans | $187,134,333 | 2,373 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8154% | 2,058 |
| Cost of funding earning assets | 0.5043% | 1,366 |
| Net interest margin | 3.3112% | 2,355 |
| Noninterest income to average assets | 5.4087% | 115 |
| Noninterest expense to average assets | 2.8391% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 5.4788% | 54 |
| Return on assets (ROA) | 5.4788% | 53 |
| Pretax return on assets | 5.6782% | 63 |
| Return on Equity (ROE) | 42.9988% | 54 |
| Retained earnings to average equity (ytd only) | 37.0729% | 45 |
| Net charge-offs to loans | -0.0043% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.3333% | 4,881 |
| Assets per employee ($millions) | 6.2833% | 2,339 |
| Cash dividends to net income (ytd only)* | 13.7816% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,590 |
| Loan loss allowance to noncurrent loans | 747.8405% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 3,604 |
| Noncurrent loans to loans | 0.1691% | 3,502 |
| Net loans and leases to total assets | 66.6149% | 1,716 |
| Net loans and leases to deposits | 78.3726% | 1,684 |
| Net loans and leases to core deposits | 82.4431% | 1,809 |
| Total domestic deposits to total assets | 84.9977% | 3,093 |
| Equity capital to assets | 13.1967% | 860 |
| Core capital (leverage) ratio | 12.9735% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4029% | 561 |
| Memoranda: | ||
| Average total assets | $262,760,500 | 2,646 |
| Average earning assets | $246,681,500 | 2,635 |
| Average equity | $33,480,000 | 2,377 |
| Average total loans | $185,691,500 | 2,393 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1087% | 402 |
| Cost of funding earning assets | 0.7512% | 1,440 |
| Net interest margin | 4.3575% | 448 |
| Noninterest income to average assets | 2.2980% | 275 |
| Noninterest expense to average assets | 4.0771% | 355 |
| Loan and lease loss provision to assets | 0.1048% | 3,024 |
| Net operating income to assets | 1.9396% | 295 |
| Return on assets (ROA) | 1.9396% | 318 |
| Pretax return on assets | 2.1992% | 300 |
| Return on Equity (ROE) | 15.6290% | 550 |
| Retained earnings to average equity (ytd only) | 7.8876% | 1,088 |
| Net charge-offs to loans | -0.0030% | 4,036 |
| Credit loss provision to net charge-offs | -4,333.3333% | 4,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8931% | 2,843 |
| Assets per employee ($millions) | 6.2291% | 2,143 |
| Cash dividends to net income (ytd only)* | 49.5323% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 3,139 |
| Loan loss allowance to noncurrent loans | 535.4762% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 3,467 |
| Noncurrent loans to loans | 0.2172% | 3,422 |
| Net loans and leases to total assets | 73.0393% | 1,153 |
| Net loans and leases to deposits | 85.0307% | 1,352 |
| Net loans and leases to core deposits | 92.6267% | 1,332 |
| Total domestic deposits to total assets | 85.8976% | 2,406 |
| Equity capital to assets | 12.2826% | 1,431 |
| Core capital (leverage) ratio | 12.4722% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7214% | 944 |
| Memoranda: | ||
| Average total assets | $248,042,600 | 2,592 |
| Average earning assets | $232,426,000 | 2,583 |
| Average equity | $30,782,600 | 2,444 |
| Average total loans | $202,256,000 | 2,217 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 406 |
| Cost of funding earning assets | 0.7974% | 1,511 |
| Net interest margin | 4.4122% | 463 |
| Noninterest income to average assets | 2.5048% | 240 |
| Noninterest expense to average assets | 4.4547% | 260 |
| Loan and lease loss provision to assets | 0.1308% | 2,715 |
| Net operating income to assets | 1.8197% | 431 |
| Return on assets (ROA) | 1.8197% | 482 |
| Pretax return on assets | 2.0595% | 458 |
| Return on Equity (ROE) | 14.6228% | 762 |
| Retained earnings to average equity (ytd only) | 7.0990% | 1,647 |
| Net charge-offs to loans | -0.0026% | 3,924 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0385% | 2,310 |
| Assets per employee ($millions) | 5.8396% | 2,409 |
| Cash dividends to net income (ytd only)* | 51.4525% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,304 |
| Loan loss allowance to noncurrent loans | 592.2872% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 3,652 |
| Noncurrent loans to loans | 0.1824% | 3,655 |
| Net loans and leases to total assets | 83.1471% | 345 |
| Net loans and leases to deposits | 97.5732% | 653 |
| Net loans and leases to core deposits | 107.4555% | 788 |
| Total domestic deposits to total assets | 85.2151% | 2,355 |
| Equity capital to assets | 12.7696% | 1,296 |
| Core capital (leverage) ratio | 12.3385% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6623% | 1,107 |
| Memoranda: | ||
| Average total assets | $244,647,750 | 2,597 |
| Average earning assets | $229,569,000 | 2,586 |
| Average equity | $30,444,750 | 2,450 |
| Average total loans | $204,486,000 | 2,200 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 545 |
| Cost of funding earning assets | 0.8446% | 1,617 |
| Net interest margin | 4.3751% | 652 |
| Noninterest income to average assets | 2.1567% | 265 |
| Noninterest expense to average assets | 4.8379% | 205 |
| Loan and lease loss provision to assets | 0.1145% | 2,874 |
| Net operating income to assets | 1.0555% | 2,125 |
| Return on assets (ROA) | 1.0555% | 2,258 |
| Pretax return on assets | 1.3026% | 2,021 |
| Return on Equity (ROE) | 8.5563% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.5563% | 1,146 |
| Net charge-offs to loans | -0.0020% | 3,820 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3447% | 1,121 |
| Assets per employee ($millions) | 6.0448% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,551 |
| Loan loss allowance to noncurrent loans | 628.6982% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 3,854 |
| Noncurrent loans to loans | 0.1598% | 3,816 |
| Net loans and leases to total assets | 82.4780% | 376 |
| Net loans and leases to deposits | 103.1289% | 410 |
| Net loans and leases to core deposits | 114.7174% | 575 |
| Total domestic deposits to total assets | 79.9757% | 3,837 |
| Equity capital to assets | 12.2057% | 1,534 |
| Core capital (leverage) ratio | 11.9978% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0651% | 1,235 |
| Memoranda: | ||
| Average total assets | $244,442,667 | 2,578 |
| Average earning assets | $228,978,333 | 2,561 |
| Average equity | $30,153,333 | 2,453 |
| Average total loans | $203,929,333 | 2,189 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3807% | 473 |
| Cost of funding earning assets | 0.9387% | 1,696 |
| Net interest margin | 4.4420% | 575 |
| Noninterest income to average assets | 1.5651% | 364 |
| Noninterest expense to average assets | 2.9484% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.5746% | 102 |
| Return on assets (ROA) | 2.5746% | 103 |
| Pretax return on assets | 2.7699% | 114 |
| Return on Equity (ROE) | 20.7560% | 139 |
| Retained earnings to average equity (ytd only) | 20.7560% | 57 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5611% | 4,576 |
| Assets per employee ($millions) | 5.9221% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,853 |
| Loan loss allowance to noncurrent loans | 544.7802% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 3,911 |
| Noncurrent loans to loans | 0.1779% | 3,836 |
| Net loans and leases to total assets | 81.4689% | 510 |
| Net loans and leases to deposits | 106.1360% | 292 |
| Net loans and leases to core deposits | 114.7702% | 632 |
| Total domestic deposits to total assets | 76.7589% | 4,383 |
| Equity capital to assets | 12.1241% | 1,978 |
| Core capital (leverage) ratio | 12.5995% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2375% | 1,291 |
| Memoranda: | ||
| Average total assets | $239,723,500 | 2,561 |
| Average earning assets | $224,132,500 | 2,543 |
| Average equity | $29,736,000 | 2,469 |
| Average total loans | $200,133,500 | 2,184 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 1,445 |
| Cost of funding earning assets | 0.9167% | 2,127 |
| Net interest margin | 4.0955% | 1,556 |
| Noninterest income to average assets | 1.1658% | 690 |
| Noninterest expense to average assets | 2.9607% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8797% | 451 |
| Return on assets (ROA) | 1.8797% | 470 |
| Pretax return on assets | 2.0202% | 574 |
| Return on Equity (ROE) | 15.2807% | 637 |
| Retained earnings to average equity (ytd only) | 10.6236% | 382 |
| Net charge-offs to loans | 0.0169% | 3,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 141.5000% | 517 |
| Efficiency ratio | 59.4411% | 3,771 |
| Assets per employee ($millions) | 5.6273% | 1,945 |
| Cash dividends to net income (ytd only)* | 30.4771% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,418 |
| Loan loss allowance to noncurrent loans | 175.0221% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 2,447 |
| Noncurrent loans to loans | 0.5791% | 2,451 |
| Net loans and leases to total assets | 83.9398% | 324 |
| Net loans and leases to deposits | 106.7395% | 271 |
| Net loans and leases to core deposits | 114.5107% | 652 |
| Total domestic deposits to total assets | 78.6398% | 4,251 |
| Equity capital to assets | 12.7064% | 1,703 |
| Core capital (leverage) ratio | 12.6227% | 1,418 |
| Tier 1 risk-based capital ratio | 16.1421% | 2,354 |
| Total risk-based capital ratio | 17.2493% | 2,350 |
| Memoranda: | ||
| Average total assets | $224,135,800 | 2,627 |
| Average earning assets | $208,791,400 | 2,615 |
| Average equity | $27,570,800 | 2,522 |
| Average total loans | $189,572,600 | 2,239 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 1,733 |
| Cost of funding earning assets | 0.9087% | 2,193 |
| Net interest margin | 4.0200% | 1,870 |
| Noninterest income to average assets | 1.1608% | 678 |
| Noninterest expense to average assets | 2.9556% | 2,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8421% | 566 |
| Return on assets (ROA) | 1.8421% | 592 |
| Pretax return on assets | 1.9512% | 767 |
| Return on Equity (ROE) | 15.1046% | 758 |
| Retained earnings to average equity (ytd only) | 11.6847% | 421 |
| Net charge-offs to loans | -0.0035% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2345% | 3,595 |
| Assets per employee ($millions) | 5.3036% | 2,222 |
| Cash dividends to net income (ytd only)* | 22.6416% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0268% | 3,413 |
| Loan loss allowance to noncurrent loans | 177.5044% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 2,533 |
| Noncurrent loans to loans | 0.5785% | 2,558 |
| Net loans and leases to total assets | 85.3746% | 232 |
| Net loans and leases to deposits | 110.0901% | 222 |
| Net loans and leases to core deposits | 117.5950% | 609 |
| Total domestic deposits to total assets | 77.5498% | 4,435 |
| Equity capital to assets | 12.6215% | 1,830 |
| Core capital (leverage) ratio | 12.6426% | 1,508 |
| Tier 1 risk-based capital ratio | 15.9605% | 2,440 |
| Total risk-based capital ratio | 17.0974% | 2,430 |
| Memoranda: | ||
| Average total assets | $222,490,000 | 2,661 |
| Average earning assets | $207,324,500 | 2,654 |
| Average equity | $27,134,500 | 2,563 |
| Average total loans | $188,053,750 | 2,273 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9247% | 1,681 |
| Cost of funding earning assets | 0.8745% | 2,278 |
| Net interest margin | 4.0502% | 1,763 |
| Noninterest income to average assets | 0.5375% | 2,457 |
| Noninterest expense to average assets | 2.8898% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3017% | 1,766 |
| Return on assets (ROA) | 1.3017% | 1,830 |
| Pretax return on assets | 1.4050% | 2,194 |
| Return on Equity (ROE) | 10.8032% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.5382% | 1,582 |
| Net charge-offs to loans | -0.0011% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2858% | 2,641 |
| Assets per employee ($millions) | 5.3409% | 2,108 |
| Cash dividends to net income (ytd only)* | 30.2228% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,347 |
| Loan loss allowance to noncurrent loans | 165.1106% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 2,376 |
| Noncurrent loans to loans | 0.6345% | 2,351 |
| Net loans and leases to total assets | 84.8919% | 297 |
| Net loans and leases to deposits | 106.6018% | 315 |
| Net loans and leases to core deposits | 117.7714% | 614 |
| Total domestic deposits to total assets | 79.6346% | 4,109 |
| Equity capital to assets | 12.1685% | 2,069 |
| Core capital (leverage) ratio | 12.3462% | 1,612 |
| Tier 1 risk-based capital ratio | 15.6457% | 2,565 |
| Total risk-based capital ratio | 16.8147% | 2,528 |
| Memoranda: | ||
| Average total assets | $220,634,670 | 2,685 |
| Average earning assets | $204,682,330 | 2,688 |
| Average equity | $26,584,670 | 2,592 |
| Average total loans | $185,164,330 | 2,302 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 1,834 |
| Cost of funding earning assets | 0.8443% | 2,303 |
| Net interest margin | 3.9811% | 1,906 |
| Noninterest income to average assets | 0.4863% | 2,634 |
| Noninterest expense to average assets | 2.7332% | 2,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3364% | 1,573 |
| Return on assets (ROA) | 1.3364% | 1,609 |
| Pretax return on assets | 1.4169% | 2,025 |
| Return on Equity (ROE) | 11.1480% | 1,891 |
| Retained earnings to average equity (ytd only) | 8.0827% | 1,626 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8590% | 2,960 |
| Assets per employee ($millions) | 4.9372% | 2,601 |
| Cash dividends to net income (ytd only)* | 27.4966% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 3,256 |
| Loan loss allowance to noncurrent loans | 181.5315% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 2,584 |
| Noncurrent loans to loans | 0.5929% | 2,562 |
| Net loans and leases to total assets | 85.2603% | 256 |
| Net loans and leases to deposits | 103.9523% | 395 |
| Net loans and leases to core deposits | 112.3147% | 816 |
| Total domestic deposits to total assets | 82.0186% | 3,722 |
| Equity capital to assets | 12.2576% | 1,870 |
| Core capital (leverage) ratio | 12.2612% | 1,626 |
| Tier 1 risk-based capital ratio | 15.7166% | 2,562 |
| Total risk-based capital ratio | 16.9112% | 2,509 |
| Memoranda: | ||
| Average total assets | $218,793,500 | 2,730 |
| Average earning assets | $201,353,500 | 2,748 |
| Average equity | $26,229,000 | 2,622 |
| Average total loans | $181,525,000 | 2,354 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 1,866 |
| Cost of funding earning assets | 0.6740% | 2,248 |
| Net interest margin | 4.0132% | 1,941 |
| Noninterest income to average assets | 0.8976% | 1,180 |
| Noninterest expense to average assets | 3.0852% | 1,841 |
| Loan and lease loss provision to assets | -0.0242% | 5,141 |
| Net operating income to assets | 1.4665% | 1,212 |
| Return on assets (ROA) | 1.4665% | 1,203 |
| Pretax return on assets | 1.5375% | 1,661 |
| Return on Equity (ROE) | 12.2401% | 1,634 |
| Retained earnings to average equity (ytd only) | 8.9965% | 868 |
| Net charge-offs to loans | 0.0426% | 2,561 |
| Credit loss provision to net charge-offs | -68.4932% | 4,358 |
| Earnings coverage of net charge-offs (x) | 42.8904% | 1,254 |
| Efficiency ratio | 67.0906% | 2,694 |
| Assets per employee ($millions) | 5.0080% | 2,493 |
| Cash dividends to net income (ytd only)* | 26.4997% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 2,844 |
| Loan loss allowance to noncurrent loans | 171.1375% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 2,458 |
| Noncurrent loans to loans | 0.6700% | 2,319 |
| Net loans and leases to total assets | 78.8755% | 1,122 |
| Net loans and leases to deposits | 91.6228% | 1,596 |
| Net loans and leases to core deposits | 100.6445% | 1,672 |
| Total domestic deposits to total assets | 86.0872% | 2,186 |
| Equity capital to assets | 11.7222% | 2,081 |
| Core capital (leverage) ratio | 12.2353% | 1,597 |
| Tier 1 risk-based capital ratio | 16.2261% | 2,332 |
| Total risk-based capital ratio | 17.4759% | 2,276 |
| Memoranda: | ||
| Average total assets | $206,889,600 | 2,798 |
| Average earning assets | $190,794,200 | 2,823 |
| Average equity | $24,787,400 | 2,656 |
| Average total loans | $171,357,000 | 2,430 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,788 |
| Cost of funding earning assets | 0.6370% | 2,228 |
| Net interest margin | 4.0256% | 1,872 |
| Noninterest income to average assets | 0.9368% | 1,084 |
| Noninterest expense to average assets | 2.9355% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7478% | 668 |
| Return on assets (ROA) | 1.7478% | 673 |
| Pretax return on assets | 1.7478% | 1,150 |
| Return on Equity (ROE) | 14.5035% | 983 |
| Retained earnings to average equity (ytd only) | 11.2255% | 602 |
| Net charge-offs to loans | 0.0697% | 1,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 29.9784% | 1,611 |
| Efficiency ratio | 62.6801% | 3,398 |
| Assets per employee ($millions) | 4.6672% | 2,886 |
| Cash dividends to net income (ytd only)* | 22.6012% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 2,990 |
| Loan loss allowance to noncurrent loans | 130.3242% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 1,982 |
| Noncurrent loans to loans | 0.8716% | 1,958 |
| Net loans and leases to total assets | 84.9544% | 363 |
| Net loans and leases to deposits | 103.1383% | 595 |
| Net loans and leases to core deposits | 114.4427% | 793 |
| Total domestic deposits to total assets | 82.3695% | 3,499 |
| Equity capital to assets | 12.1330% | 1,815 |
| Core capital (leverage) ratio | 12.4641% | 1,519 |
| Tier 1 risk-based capital ratio | 15.9608% | 2,464 |
| Total risk-based capital ratio | 17.2110% | 2,400 |
| Memoranda: | ||
| Average total assets | $203,524,250 | 2,848 |
| Average earning assets | $189,418,250 | 2,852 |
| Average equity | $24,526,750 | 2,688 |
| Average total loans | $170,241,500 | 2,454 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7499% | 1,384 |
| Cost of funding earning assets | 0.6052% | 2,196 |
| Net interest margin | 4.1448% | 1,425 |
| Noninterest income to average assets | 0.6436% | 2,122 |
| Noninterest expense to average assets | 3.0185% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4551% | 1,267 |
| Return on assets (ROA) | 1.4551% | 1,263 |
| Pretax return on assets | 1.4551% | 1,973 |
| Return on Equity (ROE) | 12.1033% | 1,686 |
| Retained earnings to average equity (ytd only) | 8.7821% | 1,288 |
| Net charge-offs to loans | -0.0036% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4734% | 2,733 |
| Assets per employee ($millions) | 4.2933% | 3,432 |
| Cash dividends to net income (ytd only)* | 27.4403% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 2,375 |
| Loan loss allowance to noncurrent loans | 138.4615% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 1,945 |
| Noncurrent loans to loans | 0.9102% | 1,900 |
| Net loans and leases to total assets | 83.1648% | 560 |
| Net loans and leases to deposits | 101.7788% | 680 |
| Net loans and leases to core deposits | 109.2503% | 1,044 |
| Total domestic deposits to total assets | 81.7113% | 3,804 |
| Equity capital to assets | 12.1872% | 1,726 |
| Core capital (leverage) ratio | 12.2539% | 1,566 |
| Tier 1 risk-based capital ratio | 16.2598% | 2,348 |
| Total risk-based capital ratio | 17.5115% | 2,285 |
| Memoranda: | ||
| Average total assets | $201,358,330 | 2,887 |
| Average earning assets | $186,065,670 | 2,906 |
| Average equity | $24,208,330 | 2,735 |
| Average total loans | $166,831,000 | 2,492 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 876 |
| Cost of funding earning assets | 0.5569% | 2,343 |
| Net interest margin | 4.3404% | 877 |
| Noninterest income to average assets | 0.6940% | 1,855 |
| Noninterest expense to average assets | 2.8716% | 2,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8057% | 560 |
| Return on assets (ROA) | 1.8057% | 564 |
| Pretax return on assets | 1.8057% | 904 |
| Return on Equity (ROE) | 15.1229% | 782 |
| Retained earnings to average equity (ytd only) | 11.7752% | 720 |
| Net charge-offs to loans | -0.0024% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3946% | 3,889 |
| Assets per employee ($millions) | 4.3130% | 3,462 |
| Cash dividends to net income (ytd only)* | 22.1366% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,455 |
| Loan loss allowance to noncurrent loans | 140.2359% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 1,956 |
| Noncurrent loans to loans | 0.8990% | 2,025 |
| Net loans and leases to total assets | 82.6845% | 574 |
| Net loans and leases to deposits | 101.4466% | 616 |
| Net loans and leases to core deposits | 109.0459% | 1,058 |
| Total domestic deposits to total assets | 81.5055% | 4,092 |
| Equity capital to assets | 11.9709% | 1,813 |
| Core capital (leverage) ratio | 12.1350% | 1,567 |
| Tier 1 risk-based capital ratio | 16.0354% | 2,454 |
| Total risk-based capital ratio | 17.2870% | 2,395 |
| Memoranda: | ||
| Average total assets | $201,144,500 | 2,922 |
| Average earning assets | $184,590,500 | 2,944 |
| Average equity | $24,016,500 | 2,772 |
| Average total loans | $165,268,000 | 2,522 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 1,587 |
| Cost of funding earning assets | 0.4563% | 2,710 |
| Net interest margin | 4.0833% | 1,501 |
| Noninterest income to average assets | 1.0661% | 895 |
| Noninterest expense to average assets | 3.5985% | 898 |
| Loan and lease loss provision to assets | 0.0061% | 4,143 |
| Net operating income to assets | 1.1350% | 1,734 |
| Return on assets (ROA) | 1.1451% | 1,732 |
| Pretax return on assets | 1.1487% | 2,989 |
| Return on Equity (ROE) | 9.5781% | 2,063 |
| Retained earnings to average equity (ytd only) | -0.3899% | 5,103 |
| Net charge-offs to loans | 0.0681% | 2,481 |
| Credit loss provision to net charge-offs | 11.2150% | 3,658 |
| Earnings coverage of net charge-offs (x) | 21.1121% | 1,927 |
| Efficiency ratio | 75.8680% | 1,636 |
| Assets per employee ($millions) | 4.1579% | 3,725 |
| Cash dividends to net income (ytd only)* | 104.0708% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 2,072 |
| Loan loss allowance to noncurrent loans | 91.1376% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.2351% | 1,182 |
| Noncurrent loans to loans | 1.4597% | 1,171 |
| Net loans and leases to total assets | 79.4909% | 1,036 |
| Net loans and leases to deposits | 95.3534% | 1,144 |
| Net loans and leases to core deposits | 98.3108% | 1,841 |
| Total domestic deposits to total assets | 83.3646% | 3,438 |
| Equity capital to assets | 11.9085% | 1,903 |
| Core capital (leverage) ratio | 12.3070% | 1,441 |
| Tier 1 risk-based capital ratio | 15.7547% | 2,529 |
| Total risk-based capital ratio | 17.0071% | 2,471 |
| Memoranda: | ||
| Average total assets | $197,360,600 | 2,944 |
| Average earning assets | $177,722,800 | 2,985 |
| Average equity | $23,595,600 | 2,797 |
| Average total loans | $157,029,600 | 2,580 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 1,343 |
| Cost of funding earning assets | 0.4501% | 2,713 |
| Net interest margin | 4.1589% | 1,255 |
| Noninterest income to average assets | 0.6084% | 2,431 |
| Noninterest expense to average assets | 3.1347% | 1,710 |
| Loan and lease loss provision to assets | 0.0081% | 3,971 |
| Net operating income to assets | 1.1991% | 1,694 |
| Return on assets (ROA) | 1.2127% | 1,671 |
| Pretax return on assets | 1.2161% | 2,835 |
| Return on Equity (ROE) | 10.1330% | 2,068 |
| Retained earnings to average equity (ytd only) | -2.3040% | 5,447 |
| Net charge-offs to loans | 0.0888% | 1,911 |
| Credit loss provision to net charge-offs | 11.5385% | 3,214 |
| Earnings coverage of net charge-offs (x) | 17.1831% | 2,115 |
| Efficiency ratio | 72.1391% | 2,187 |
| Assets per employee ($millions) | 3.9980% | 3,998 |
| Cash dividends to net income (ytd only)* | 122.7373% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 1,947 |
| Loan loss allowance to noncurrent loans | 73.4064% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.5821% | 942 |
| Noncurrent loans to loans | 1.8907% | 921 |
| Net loans and leases to total assets | 79.3077% | 1,083 |
| Net loans and leases to deposits | 93.2024% | 1,397 |
| Net loans and leases to core deposits | 96.2924% | 2,036 |
| Total domestic deposits to total assets | 85.0919% | 2,680 |
| Equity capital to assets | 12.3412% | 1,751 |
| Core capital (leverage) ratio | 12.2845% | 1,522 |
| Tier 1 risk-based capital ratio | 16.0248% | 2,492 |
| Total risk-based capital ratio | 17.2775% | 2,432 |
| Memoranda: | ||
| Average total assets | $196,805,750 | 2,975 |
| Average earning assets | $176,838,750 | 3,021 |
| Average equity | $23,552,750 | 2,824 |
| Average total loans | $156,090,250 | 2,608 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7827% | 890 |
| Cost of funding earning assets | 0.4459% | 2,641 |
| Net interest margin | 4.3369% | 786 |
| Noninterest income to average assets | 0.4173% | 3,581 |
| Noninterest expense to average assets | 3.1788% | 1,629 |
| Loan and lease loss provision to assets | 0.0121% | 3,717 |
| Net operating income to assets | 1.0955% | 1,998 |
| Return on assets (ROA) | 1.1097% | 1,983 |
| Pretax return on assets | 1.1127% | 3,125 |
| Return on Equity (ROE) | 9.3665% | 2,324 |
| Retained earnings to average equity (ytd only) | -9.3240% | 5,639 |
| Net charge-offs to loans | 0.0319% | 2,564 |
| Credit loss provision to net charge-offs | 48.0000% | 2,584 |
| Earnings coverage of net charge-offs (x) | 44.0800% | 1,178 |
| Efficiency ratio | 74.1071% | 1,994 |
| Assets per employee ($millions) | 4.1787% | 3,663 |
| Cash dividends to net income (ytd only)* | 199.5459% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,606 |
| Loan loss allowance to noncurrent loans | 83.2459% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.4494% | 1,073 |
| Noncurrent loans to loans | 1.7910% | 1,009 |
| Net loans and leases to total assets | 76.3404% | 1,494 |
| Net loans and leases to deposits | 89.4911% | 1,802 |
| Net loans and leases to core deposits | 92.4383% | 2,298 |
| Total domestic deposits to total assets | 85.3050% | 2,691 |
| Equity capital to assets | 11.9913% | 1,935 |
| Core capital (leverage) ratio | 11.6473% | 1,865 |
| Tier 1 risk-based capital ratio | 16.0622% | 2,477 |
| Total risk-based capital ratio | 17.3163% | 2,418 |
| Memoranda: | ||
| Average total assets | $198,440,330 | 2,979 |
| Average earning assets | $177,178,670 | 3,024 |
| Average equity | $23,509,330 | 2,830 |
| Average total loans | $156,675,330 | 2,607 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 731 |
| Cost of funding earning assets | 0.4390% | 2,623 |
| Net interest margin | 4.3701% | 671 |
| Noninterest income to average assets | 0.7184% | 1,876 |
| Noninterest expense to average assets | 2.9095% | 2,431 |
| Loan and lease loss provision to assets | 0.0238% | 3,269 |
| Net operating income to assets | 1.6949% | 559 |
| Return on assets (ROA) | 1.6949% | 570 |
| Pretax return on assets | 1.6969% | 1,011 |
| Return on Equity (ROE) | 14.3898% | 739 |
| Retained earnings to average equity (ytd only) | -3.8586% | 5,322 |
| Net charge-offs to loans | -0.0050% | 4,183 |
| Credit loss provision to net charge-offs | -600.0000% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8375% | 4,014 |
| Assets per employee ($millions) | 4.3467% | 3,426 |
| Cash dividends to net income (ytd only)* | 126.8150% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4239% | 1,974 |
| Loan loss allowance to noncurrent loans | 95.8635% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.2318% | 1,415 |
| Noncurrent loans to loans | 1.4853% | 1,354 |
| Net loans and leases to total assets | 77.8355% | 1,161 |
| Net loans and leases to deposits | 92.5906% | 1,259 |
| Net loans and leases to core deposits | 95.5565% | 1,848 |
| Total domestic deposits to total assets | 84.0642% | 3,454 |
| Equity capital to assets | 11.8477% | 1,944 |
| Core capital (leverage) ratio | 11.6484% | 1,855 |
| Tier 1 risk-based capital ratio | 15.7518% | 2,643 |
| Total risk-based capital ratio | 17.0052% | 2,586 |
| Memoranda: | ||
| Average total assets | $201,549,500 | 2,979 |
| Average earning assets | $180,407,500 | 3,030 |
| Average equity | $23,739,000 | 2,817 |
| Average total loans | $160,531,000 | 2,573 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 682 |
| Cost of funding earning assets | 0.4410% | 2,605 |
| Net interest margin | 4.4901% | 642 |
| Noninterest income to average assets | 0.9554% | 1,248 |
| Noninterest expense to average assets | 4.1054% | 527 |
| Loan and lease loss provision to assets | 0.2028% | 1,128 |
| Net operating income to assets | 0.7132% | 3,726 |
| Return on assets (ROA) | 0.7132% | 3,840 |
| Pretax return on assets | 0.7184% | 4,429 |
| Return on Equity (ROE) | 6.2276% | 3,876 |
| Retained earnings to average equity (ytd only) | 2.9837% | 3,774 |
| Net charge-offs to loans | 0.2316% | 1,199 |
| Credit loss provision to net charge-offs | 106.5657% | 2,445 |
| Earnings coverage of net charge-offs (x) | 4.8409% | 3,435 |
| Efficiency ratio | 81.6730% | 1,241 |
| Assets per employee ($millions) | 4.2324% | 3,563 |
| Cash dividends to net income (ytd only)* | 52.0889% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 2,224 |
| Loan loss allowance to noncurrent loans | 104.8334% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 1,684 |
| Noncurrent loans to loans | 1.3059% | 1,572 |
| Net loans and leases to total assets | 79.2265% | 999 |
| Net loans and leases to deposits | 93.8994% | 1,204 |
| Net loans and leases to core deposits | 96.7928% | 1,854 |
| Total domestic deposits to total assets | 84.3738% | 3,282 |
| Equity capital to assets | 11.7099% | 2,001 |
| Core capital (leverage) ratio | 11.6869% | 1,802 |
| Tier 1 risk-based capital ratio | 15.3721% | 2,805 |
| Total risk-based capital ratio | 16.6241% | 2,737 |
| Memoranda: | ||
| Average total assets | $208,089,800 | 2,875 |
| Average earning assets | $188,682,200 | 2,907 |
| Average equity | $23,829,400 | 2,813 |
| Average total loans | $170,993,400 | 2,403 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9950% | 606 |
| Cost of funding earning assets | 0.4432% | 2,613 |
| Net interest margin | 4.5518% | 556 |
| Noninterest income to average assets | 0.9344% | 1,301 |
| Noninterest expense to average assets | 4.4676% | 396 |
| Loan and lease loss provision to assets | 0.2688% | 665 |
| Net operating income to assets | 0.3338% | 5,202 |
| Return on assets (ROA) | 0.3338% | 5,281 |
| Pretax return on assets | 0.3389% | 5,398 |
| Return on Equity (ROE) | 2.9306% | 5,239 |
| Retained earnings to average equity (ytd only) | 2.9306% | 4,148 |
| Net charge-offs to loans | 0.1395% | 1,596 |
| Credit loss provision to net charge-offs | 233.1492% | 1,262 |
| Earnings coverage of net charge-offs (x) | 5.2707% | 3,153 |
| Efficiency ratio | 88.0271% | 671 |
| Assets per employee ($millions) | 4.3812% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 1,926 |
| Loan loss allowance to noncurrent loans | 121.5385% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 1,976 |
| Noncurrent loans to loans | 1.2022% | 1,867 |
| Net loans and leases to total assets | 78.5356% | 1,113 |
| Net loans and leases to deposits | 92.7911% | 1,398 |
| Net loans and leases to core deposits | 99.9806% | 1,638 |
| Total domestic deposits to total assets | 84.6370% | 2,972 |
| Equity capital to assets | 11.4605% | 2,547 |
| Core capital (leverage) ratio | 11.4277% | 2,093 |
| Tier 1 risk-based capital ratio | 14.9650% | 3,069 |
| Total risk-based capital ratio | 16.2189% | 2,995 |
| Memoranda: | ||
| Average total assets | $209,324,000 | 2,877 |
| Average earning assets | $190,425,000 | 2,905 |
| Average equity | $23,839,500 | 2,831 |
| Average total loans | $172,945,500 | 2,388 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9910% | 605 |
| Cost of funding earning assets | 0.4391% | 2,662 |
| Net interest margin | 4.5519% | 548 |
| Noninterest income to average assets | 0.9311% | 1,288 |
| Noninterest expense to average assets | 4.1569% | 512 |
| Loan and lease loss provision to assets | 0.4038% | 374 |
| Net operating income to assets | 0.5512% | 4,477 |
| Return on assets (ROA) | 0.5512% | 4,588 |
| Pretax return on assets | 0.5569% | 5,006 |
| Return on Equity (ROE) | 4.8501% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.8501% | 2,822 |
| Net charge-offs to loans | 0.2049% | 1,132 |
| Credit loss provision to net charge-offs | 235.7542% | 1,156 |
| Earnings coverage of net charge-offs (x) | 5.6089% | 2,839 |
| Efficiency ratio | 81.2266% | 1,361 |
| Assets per employee ($millions) | 4.3898% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4467% | 2,077 |
| Loan loss allowance to noncurrent loans | 106.1958% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1712% | 1,797 |
| Noncurrent loans to loans | 1.3623% | 1,643 |
| Net loans and leases to total assets | 82.6877% | 552 |
| Net loans and leases to deposits | 103.3351% | 488 |
| Net loans and leases to core deposits | 106.4906% | 1,142 |
| Total domestic deposits to total assets | 80.0190% | 4,537 |
| Equity capital to assets | 11.9758% | 2,142 |
| Core capital (leverage) ratio | 11.7845% | 1,788 |
| Tier 1 risk-based capital ratio | 15.0588% | 3,053 |
| Total risk-based capital ratio | 16.3120% | 2,989 |
| Memoranda: | ||
| Average total assets | $208,999,670 | 2,896 |
| Average earning assets | $192,226,000 | 2,907 |
| Average equity | $23,752,330 | 2,854 |
| Average total loans | $174,725,000 | 2,363 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 489 |
| Cost of funding earning assets | 0.4494% | 2,592 |
| Net interest margin | 4.6582% | 454 |
| Noninterest income to average assets | 1.1029% | 897 |
| Noninterest expense to average assets | 4.5903% | 366 |
| Loan and lease loss provision to assets | 0.6531% | 163 |
| Net operating income to assets | 0.1242% | 5,646 |
| Return on assets (ROA) | 0.1242% | 5,697 |
| Pretax return on assets | 0.1317% | 5,705 |
| Return on Equity (ROE) | 1.1216% | 5,675 |
| Retained earnings to average equity (ytd only) | 1.1216% | 4,792 |
| Net charge-offs to loans | 0.4037% | 558 |
| Credit loss provision to net charge-offs | 193.8547% | 1,107 |
| Earnings coverage of net charge-offs (x) | 2.3296% | 2,698 |
| Efficiency ratio | 85.3992% | 1,033 |
| Assets per employee ($millions) | 4.3812% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 2,312 |
| Loan loss allowance to noncurrent loans | 104.9470% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 1.1272% | 1,962 |
| Noncurrent loans to loans | 1.3575% | 1,757 |
| Net loans and leases to total assets | 79.8414% | 838 |
| Net loans and leases to deposits | 96.9398% | 853 |
| Net loans and leases to core deposits | 104.0603% | 1,188 |
| Total domestic deposits to total assets | 82.3618% | 4,100 |
| Equity capital to assets | 11.4653% | 2,472 |
| Core capital (leverage) ratio | 10.6846% | 2,751 |
| Tier 1 risk-based capital ratio | 14.8011% | 3,246 |
| Total risk-based capital ratio | 16.0542% | 3,180 |
| Memoranda: | ||
| Average total assets | $212,533,500 | 2,864 |
| Average earning assets | $194,926,000 | 2,875 |
| Average equity | $23,537,000 | 2,873 |
| Average total loans | $177,375,500 | 2,342 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5736% | 1,404 |
| Cost of funding earning assets | 0.4190% | 2,951 |
| Net interest margin | 4.1547% | 1,271 |
| Noninterest income to average assets | 1.4073% | 610 |
| Noninterest expense to average assets | 3.3701% | 1,547 |
| Loan and lease loss provision to assets | 0.0477% | 3,375 |
| Net operating income to assets | 1.8119% | 477 |
| Return on assets (ROA) | 1.8347% | 468 |
| Pretax return on assets | 1.8406% | 740 |
| Return on Equity (ROE) | 17.0934% | 444 |
| Retained earnings to average equity (ytd only) | 12.8847% | 209 |
| Net charge-offs to loans | 0.0338% | 3,533 |
| Credit loss provision to net charge-offs | 171.9298% | 1,570 |
| Earnings coverage of net charge-offs (x) | 67.2281% | 797 |
| Efficiency ratio | 64.3701% | 4,190 |
| Assets per employee ($millions) | 4.7641% | 2,658 |
| Cash dividends to net income (ytd only)* | 24.6219% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 3,614 |
| Loan loss allowance to noncurrent loans | 125.0992% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 2,659 |
| Noncurrent loans to loans | 0.9390% | 2,455 |
| Net loans and leases to total assets | 84.7639% | 327 |
| Net loans and leases to deposits | 104.8485% | 401 |
| Net loans and leases to core deposits | 112.1909% | 761 |
| Total domestic deposits to total assets | 80.8442% | 4,530 |
| Equity capital to assets | 10.7073% | 3,125 |
| Core capital (leverage) ratio | 10.8001% | 2,607 |
| Tier 1 risk-based capital ratio | 13.1679% | 4,194 |
| Total risk-based capital ratio | 14.4180% | 4,120 |
| Memoranda: | ||
| Average total assets | $205,424,400 | 2,895 |
| Average earning assets | $189,281,200 | 2,901 |
| Average equity | $22,049,400 | 2,969 |
| Average total loans | $168,784,200 | 2,363 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 1,483 |
| Cost of funding earning assets | 0.4225% | 2,986 |
| Net interest margin | 4.1182% | 1,364 |
| Noninterest income to average assets | 1.5052% | 548 |
| Noninterest expense to average assets | 3.5323% | 1,227 |
| Loan and lease loss provision to assets | 0.0305% | 3,623 |
| Net operating income to assets | 1.7101% | 609 |
| Return on assets (ROA) | 1.7413% | 600 |
| Pretax return on assets | 1.7479% | 998 |
| Return on Equity (ROE) | 16.1381% | 568 |
| Retained earnings to average equity (ytd only) | 10.4351% | 563 |
| Net charge-offs to loans | 0.0213% | 3,509 |
| Credit loss provision to net charge-offs | 176.9231% | 1,491 |
| Earnings coverage of net charge-offs (x) | 101.3340% | 621 |
| Efficiency ratio | 66.9053% | 3,730 |
| Assets per employee ($millions) | 4.4898% | 3,027 |
| Cash dividends to net income (ytd only)* | 35.3388% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 3,247 |
| Loan loss allowance to noncurrent loans | 131.4303% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.8118% | 2,854 |
| Noncurrent loans to loans | 0.9678% | 2,569 |
| Net loans and leases to total assets | 80.4423% | 756 |
| Net loans and leases to deposits | 97.3019% | 879 |
| Net loans and leases to core deposits | 100.6725% | 1,461 |
| Total domestic deposits to total assets | 82.6729% | 3,929 |
| Equity capital to assets | 10.5714% | 3,520 |
| Core capital (leverage) ratio | 11.0205% | 2,467 |
| Tier 1 risk-based capital ratio | 13.7124% | 4,017 |
| Total risk-based capital ratio | 14.9634% | 3,951 |
| Memoranda: | ||
| Average total assets | $201,074,000 | 2,957 |
| Average earning assets | $184,282,250 | 2,977 |
| Average equity | $21,695,500 | 3,022 |
| Average total loans | $163,069,250 | 2,444 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4929% | 1,563 |
| Cost of funding earning assets | 0.4233% | 3,004 |
| Net interest margin | 4.0695% | 1,447 |
| Noninterest income to average assets | 1.6454% | 488 |
| Noninterest expense to average assets | 3.2555% | 1,830 |
| Loan and lease loss provision to assets | 0.0475% | 3,170 |
| Net operating income to assets | 2.0773% | 318 |
| Return on assets (ROA) | 2.0773% | 331 |
| Pretax return on assets | 2.0854% | 503 |
| Return on Equity (ROE) | 19.1147% | 321 |
| Retained earnings to average equity (ytd only) | 10.4786% | 587 |
| Net charge-offs to loans | 0.0075% | 3,636 |
| Credit loss provision to net charge-offs | 783.3333% | 438 |
| Earnings coverage of net charge-offs (x) | 351.5000% | 197 |
| Efficiency ratio | 60.4167% | 4,928 |
| Assets per employee ($millions) | 4.3869% | 3,160 |
| Cash dividends to net income (ytd only)* | 45.1801% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,893 |
| Loan loss allowance to noncurrent loans | 109.7961% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0419% | 2,423 |
| Noncurrent loans to loans | 1.2481% | 2,163 |
| Net loans and leases to total assets | 82.3305% | 522 |
| Net loans and leases to deposits | 103.0677% | 496 |
| Net loans and leases to core deposits | 107.3568% | 999 |
| Total domestic deposits to total assets | 79.8800% | 4,897 |
| Equity capital to assets | 11.2490% | 2,620 |
| Core capital (leverage) ratio | 10.9594% | 2,470 |
| Tier 1 risk-based capital ratio | 14.3683% | 3,717 |
| Total risk-based capital ratio | 15.6209% | 3,641 |
| Memoranda: | ||
| Average total assets | $197,758,000 | 3,013 |
| Average earning assets | $181,887,670 | 3,028 |
| Average equity | $21,491,330 | 3,057 |
| Average total loans | $160,113,000 | 2,481 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 1,610 |
| Cost of funding earning assets | 0.4270% | 2,995 |
| Net interest margin | 4.0237% | 1,482 |
| Noninterest income to average assets | 1.8608% | 392 |
| Noninterest expense to average assets | 2.7902% | 3,285 |
| Loan and lease loss provision to assets | 0.0939% | 2,121 |
| Net operating income to assets | 2.6184% | 123 |
| Return on assets (ROA) | 2.6184% | 135 |
| Pretax return on assets | 2.6303% | 202 |
| Return on Equity (ROE) | 24.5083% | 117 |
| Retained earnings to average equity (ytd only) | 24.5083% | 49 |
| Net charge-offs to loans | 0.0025% | 3,232 |
| Credit loss provision to net charge-offs | 4,700.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 1,363.0000% | 25 |
| Efficiency ratio | 50.5980% | 5,883 |
| Assets per employee ($millions) | 4.5849% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 3,110 |
| Loan loss allowance to noncurrent loans | 109.1761% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 2,618 |
| Noncurrent loans to loans | 1.2441% | 2,300 |
| Net loans and leases to total assets | 79.6648% | 723 |
| Net loans and leases to deposits | 98.5081% | 646 |
| Net loans and leases to core deposits | 102.3676% | 1,156 |
| Total domestic deposits to total assets | 80.8713% | 4,850 |
| Equity capital to assets | 10.9501% | 3,029 |
| Core capital (leverage) ratio | 10.7783% | 2,654 |
| Tier 1 risk-based capital ratio | 14.2174% | 3,867 |
| Total risk-based capital ratio | 15.4699% | 3,796 |
| Memoranda: | ||
| Average total assets | $200,126,000 | 3,014 |
| Average earning assets | $181,722,500 | 3,049 |
| Average equity | $21,380,500 | 3,087 |
| Average total loans | $159,607,500 | 2,494 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 2,455 |
| Cost of funding earning assets | 0.4912% | 2,760 |
| Net interest margin | 3.8503% | 2,428 |
| Noninterest income to average assets | 0.9656% | 1,304 |
| Noninterest expense to average assets | 2.6699% | 3,980 |
| Loan and lease loss provision to assets | 0.1781% | 1,447 |
| Net operating income to assets | 1.6291% | 668 |
| Return on assets (ROA) | 1.6291% | 695 |
| Pretax return on assets | 1.6317% | 1,148 |
| Return on Equity (ROE) | 16.0684% | 615 |
| Retained earnings to average equity (ytd only) | 8.6968% | 772 |
| Net charge-offs to loans | 0.1157% | 2,875 |
| Credit loss provision to net charge-offs | 195.4802% | 1,263 |
| Earnings coverage of net charge-offs (x) | 19.8644% | 1,750 |
| Efficiency ratio | 59.6001% | 5,276 |
| Assets per employee ($millions) | 4.5118% | 3,018 |
| Cash dividends to net income (ytd only)* | 45.8768% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 3,012 |
| Loan loss allowance to noncurrent loans | 120.6570% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 2,954 |
| Noncurrent loans to loans | 1.1491% | 2,546 |
| Net loans and leases to total assets | 77.6373% | 1,053 |
| Net loans and leases to deposits | 93.8093% | 1,091 |
| Net loans and leases to core deposits | 98.0645% | 1,546 |
| Total domestic deposits to total assets | 82.7608% | 4,161 |
| Equity capital to assets | 10.4127% | 3,598 |
| Core capital (leverage) ratio | 10.2069% | 3,302 |
| Tier 1 risk-based capital ratio | 14.0230% | 4,072 |
| Total risk-based capital ratio | 15.2761% | 3,999 |
| Memoranda: | ||
| Average total assets | $194,273,600 | 3,057 |
| Average earning assets | $177,311,600 | 3,075 |
| Average equity | $19,697,000 | 3,193 |
| Average total loans | $152,962,400 | 2,532 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,715 |
| Cost of funding earning assets | 0.5000% | 2,766 |
| Net interest margin | 3.7793% | 2,694 |
| Noninterest income to average assets | 0.9523% | 1,358 |
| Noninterest expense to average assets | 2.6823% | 3,884 |
| Loan and lease loss provision to assets | 0.2215% | 1,030 |
| Net operating income to assets | 1.5085% | 923 |
| Return on assets (ROA) | 1.5085% | 956 |
| Pretax return on assets | 1.5119% | 1,611 |
| Return on Equity (ROE) | 14.9823% | 831 |
| Retained earnings to average equity (ytd only) | 9.4651% | 852 |
| Net charge-offs to loans | 0.1499% | 2,291 |
| Credit loss provision to net charge-offs | 187.7193% | 1,338 |
| Earnings coverage of net charge-offs (x) | 14.6903% | 2,122 |
| Efficiency ratio | 60.7439% | 5,079 |
| Assets per employee ($millions) | 4.5643% | 2,860 |
| Cash dividends to net income (ytd only)* | 36.8254% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 3,409 |
| Loan loss allowance to noncurrent loans | 106.0217% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 2,815 |
| Noncurrent loans to loans | 1.2701% | 2,522 |
| Net loans and leases to total assets | 78.3579% | 920 |
| Net loans and leases to deposits | 94.3108% | 1,010 |
| Net loans and leases to core deposits | 98.8219% | 1,462 |
| Total domestic deposits to total assets | 83.0848% | 4,111 |
| Equity capital to assets | 10.1219% | 4,024 |
| Core capital (leverage) ratio | 10.2957% | 3,302 |
| Tier 1 risk-based capital ratio | 13.4166% | 4,592 |
| Total risk-based capital ratio | 14.6694% | 4,533 |
| Memoranda: | ||
| Average total assets | $193,212,500 | 3,089 |
| Average earning assets | $177,066,500 | 3,104 |
| Average equity | $19,453,500 | 3,232 |
| Average total loans | $152,130,250 | 2,544 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,809 |
| Cost of funding earning assets | 0.5110% | 2,721 |
| Net interest margin | 3.7289% | 2,845 |
| Noninterest income to average assets | 0.9230% | 1,416 |
| Noninterest expense to average assets | 2.7209% | 3,792 |
| Loan and lease loss provision to assets | 0.2832% | 716 |
| Net operating income to assets | 1.3363% | 1,216 |
| Return on assets (ROA) | 1.3363% | 1,260 |
| Pretax return on assets | 1.3405% | 2,111 |
| Return on Equity (ROE) | 13.2972% | 1,099 |
| Retained earnings to average equity (ytd only) | 8.1202% | 1,284 |
| Net charge-offs to loans | 0.1269% | 2,396 |
| Credit loss provision to net charge-offs | 284.2105% | 900 |
| Earnings coverage of net charge-offs (x) | 16.2947% | 1,805 |
| Efficiency ratio | 62.6268% | 4,924 |
| Assets per employee ($millions) | 4.4962% | 2,931 |
| Cash dividends to net income (ytd only)* | 38.9325% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 3,151 |
| Loan loss allowance to noncurrent loans | 99.4053% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.2259% | 2,641 |
| Noncurrent loans to loans | 1.4478% | 2,385 |
| Net loans and leases to total assets | 78.8033% | 814 |
| Net loans and leases to deposits | 95.9570% | 805 |
| Net loans and leases to core deposits | 101.1391% | 1,195 |
| Total domestic deposits to total assets | 82.1236% | 4,604 |
| Equity capital to assets | 10.4416% | 3,513 |
| Core capital (leverage) ratio | 10.3131% | 3,194 |
| Tier 1 risk-based capital ratio | 13.8462% | 4,352 |
| Total risk-based capital ratio | 15.0998% | 4,305 |
| Memoranda: | ||
| Average total assets | $190,673,000 | 3,143 |
| Average earning assets | $174,959,670 | 3,144 |
| Average equity | $19,162,000 | 3,259 |
| Average total loans | $149,668,670 | 2,581 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 2,908 |
| Cost of funding earning assets | 0.5163% | 2,752 |
| Net interest margin | 3.6779% | 2,956 |
| Noninterest income to average assets | 0.9917% | 1,148 |
| Noninterest expense to average assets | 2.8415% | 3,408 |
| Loan and lease loss provision to assets | 0.3487% | 508 |
| Net operating income to assets | 1.1566% | 1,609 |
| Return on assets (ROA) | 1.1566% | 1,681 |
| Pretax return on assets | 1.1629% | 2,648 |
| Return on Equity (ROE) | 11.7348% | 1,483 |
| Retained earnings to average equity (ytd only) | 7.1383% | 1,961 |
| Net charge-offs to loans | 0.1342% | 1,906 |
| Credit loss provision to net charge-offs | 334.0000% | 737 |
| Earnings coverage of net charge-offs (x) | 14.4800% | 1,606 |
| Efficiency ratio | 65.2758% | 4,646 |
| Assets per employee ($millions) | 4.6133% | 2,786 |
| Cash dividends to net income (ytd only)* | 39.1697% | 2,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 3,564 |
| Loan loss allowance to noncurrent loans | 99.2492% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2556% | 2,762 |
| Noncurrent loans to loans | 1.4182% | 2,655 |
| Net loans and leases to total assets | 78.3206% | 733 |
| Net loans and leases to deposits | 92.7708% | 896 |
| Net loans and leases to core deposits | 97.6172% | 1,265 |
| Total domestic deposits to total assets | 84.4238% | 4,113 |
| Equity capital to assets | 10.1096% | 3,710 |
| Core capital (leverage) ratio | 9.9225% | 3,673 |
| Tier 1 risk-based capital ratio | 13.4594% | 4,720 |
| Total risk-based capital ratio | 14.7125% | 4,654 |
| Memoranda: | ||
| Average total assets | $191,589,000 | 3,147 |
| Average earning assets | $175,100,000 | 3,158 |
| Average equity | $18,884,000 | 3,296 |
| Average total loans | $149,010,000 | 2,603 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 2,355 |
| Cost of funding earning assets | 0.6637% | 2,086 |
| Net interest margin | 3.7975% | 2,670 |
| Noninterest income to average assets | 1.0443% | 1,290 |
| Noninterest expense to average assets | 2.9842% | 3,099 |
| Loan and lease loss provision to assets | 0.4870% | 577 |
| Net operating income to assets | 1.0212% | 2,241 |
| Return on assets (ROA) | 1.0273% | 2,277 |
| Pretax return on assets | 1.0278% | 3,234 |
| Return on Equity (ROE) | 10.1799% | 2,037 |
| Retained earnings to average equity (ytd only) | 6.8156% | 1,523 |
| Net charge-offs to loans | 0.6927% | 937 |
| Credit loss provision to net charge-offs | 93.8689% | 2,655 |
| Earnings coverage of net charge-offs (x) | 2.9080% | 4,026 |
| Efficiency ratio | 66.4185% | 4,487 |
| Assets per employee ($millions) | 4.7325% | 2,536 |
| Cash dividends to net income (ytd only)* | 33.0486% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 3,885 |
| Loan loss allowance to noncurrent loans | 86.6060% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.2967% | 2,829 |
| Noncurrent loans to loans | 1.5613% | 2,557 |
| Net loans and leases to total assets | 75.1251% | 1,203 |
| Net loans and leases to deposits | 88.8774% | 1,364 |
| Net loans and leases to core deposits | 91.6433% | 1,828 |
| Total domestic deposits to total assets | 84.5267% | 3,953 |
| Equity capital to assets | 9.6098% | 4,273 |
| Core capital (leverage) ratio | 9.8309% | 3,803 |
| Tier 1 risk-based capital ratio | 13.2079% | 4,846 |
| Total risk-based capital ratio | 14.4602% | 4,788 |
| Memoranda: | ||
| Average total assets | $182,327,000 | 3,247 |
| Average earning assets | $165,583,600 | 3,271 |
| Average equity | $18,399,000 | 3,351 |
| Average total loans | $136,561,400 | 2,750 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4718% | 2,340 |
| Cost of funding earning assets | 0.7013% | 1,935 |
| Net interest margin | 3.7704% | 2,748 |
| Noninterest income to average assets | 1.1765% | 1,061 |
| Noninterest expense to average assets | 3.0337% | 2,874 |
| Loan and lease loss provision to assets | 0.5671% | 450 |
| Net operating income to assets | 1.0070% | 2,351 |
| Return on assets (ROA) | 1.0070% | 2,434 |
| Pretax return on assets | 1.0078% | 3,475 |
| Return on Equity (ROE) | 9.8522% | 2,247 |
| Retained earnings to average equity (ytd only) | 8.7179% | 1,149 |
| Net charge-offs to loans | 0.7446% | 802 |
| Credit loss provision to net charge-offs | 102.1419% | 2,292 |
| Earnings coverage of net charge-offs (x) | 2.8367% | 3,886 |
| Efficiency ratio | 65.8281% | 4,516 |
| Assets per employee ($millions) | 4.2292% | 3,369 |
| Cash dividends to net income (ytd only)* | 11.5127% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 3,523 |
| Loan loss allowance to noncurrent loans | 63.9112% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 2.2656% | 1,748 |
| Noncurrent loans to loans | 2.3193% | 1,889 |
| Net loans and leases to total assets | 74.0050% | 1,292 |
| Net loans and leases to deposits | 86.1271% | 1,601 |
| Net loans and leases to core deposits | 88.6230% | 2,120 |
| Total domestic deposits to total assets | 85.9253% | 3,302 |
| Equity capital to assets | 10.0029% | 3,899 |
| Core capital (leverage) ratio | 10.3157% | 3,216 |
| Tier 1 risk-based capital ratio | 13.7474% | 4,603 |
| Total risk-based capital ratio | 15.0010% | 4,557 |
| Memoranda: | ||
| Average total assets | $179,401,000 | 3,304 |
| Average earning assets | $163,302,500 | 3,330 |
| Average equity | $18,337,250 | 3,396 |
| Average total loans | $133,760,750 | 2,811 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 1,921 |
| Cost of funding earning assets | 0.7338% | 1,814 |
| Net interest margin | 3.8422% | 2,403 |
| Noninterest income to average assets | 1.2598% | 979 |
| Noninterest expense to average assets | 3.0546% | 2,819 |
| Loan and lease loss provision to assets | 0.7191% | 313 |
| Net operating income to assets | 0.9900% | 2,377 |
| Return on assets (ROA) | 0.9900% | 2,515 |
| Pretax return on assets | 0.9911% | 3,549 |
| Return on Equity (ROE) | 9.6136% | 2,364 |
| Retained earnings to average equity (ytd only) | 8.7586% | 1,196 |
| Net charge-offs to loans | 1.0338% | 586 |
| Credit loss provision to net charge-offs | 93.5389% | 2,362 |
| Earnings coverage of net charge-offs (x) | 2.2247% | 3,787 |
| Efficiency ratio | 64.1080% | 4,857 |
| Assets per employee ($millions) | 3.9826% | 3,840 |
| Cash dividends to net income (ytd only)* | 8.8940% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,440 |
| Loan loss allowance to noncurrent loans | 60.4023% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 2.3648% | 1,814 |
| Noncurrent loans to loans | 2.5348% | 1,820 |
| Net loans and leases to total assets | 73.8433% | 1,276 |
| Net loans and leases to deposits | 86.7025% | 1,488 |
| Net loans and leases to core deposits | 89.3529% | 1,968 |
| Total domestic deposits to total assets | 85.1686% | 3,815 |
| Equity capital to assets | 10.5332% | 3,256 |
| Core capital (leverage) ratio | 10.1851% | 3,257 |
| Tier 1 risk-based capital ratio | 14.4452% | 4,134 |
| Total risk-based capital ratio | 15.7000% | 4,095 |
| Memoranda: | ||
| Average total assets | $177,172,670 | 3,347 |
| Average earning assets | $161,626,330 | 3,367 |
| Average equity | $18,245,000 | 3,438 |
| Average total loans | $131,752,670 | 2,847 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 2,159 |
| Cost of funding earning assets | 0.7668% | 1,732 |
| Net interest margin | 3.7353% | 2,716 |
| Noninterest income to average assets | 1.7088% | 539 |
| Noninterest expense to average assets | 3.1593% | 2,486 |
| Loan and lease loss provision to assets | 1.1923% | 135 |
| Net operating income to assets | 0.7567% | 3,397 |
| Return on assets (ROA) | 0.7567% | 3,537 |
| Pretax return on assets | 0.7589% | 4,332 |
| Return on Equity (ROE) | 7.4317% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.4317% | 1,972 |
| Net charge-offs to loans | 1.3523% | 414 |
| Credit loss provision to net charge-offs | 119.0583% | 1,609 |
| Earnings coverage of net charge-offs (x) | 1.9484% | 3,188 |
| Efficiency ratio | 61.8190% | 5,329 |
| Assets per employee ($millions) | 4.0034% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 3,452 |
| Loan loss allowance to noncurrent loans | 73.7767% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 2.3060% | 2,016 |
| Noncurrent loans to loans | 2.1514% | 2,444 |
| Net loans and leases to total assets | 75.3595% | 918 |
| Net loans and leases to deposits | 88.3565% | 1,111 |
| Net loans and leases to core deposits | 91.0303% | 1,600 |
| Total domestic deposits to total assets | 85.2903% | 3,906 |
| Equity capital to assets | 10.3719% | 3,706 |
| Core capital (leverage) ratio | 9.8113% | 3,648 |
| Tier 1 risk-based capital ratio | 13.6773% | 4,740 |
| Total risk-based capital ratio | 14.9325% | 4,701 |
| Memoranda: | ||
| Average total assets | $178,141,000 | 3,366 |
| Average earning assets | $162,237,500 | 3,398 |
| Average equity | $18,138,500 | 3,506 |
| Average total loans | $131,923,000 | 2,866 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9314% | 1,746 |
| Cost of funding earning assets | 1.1098% | 869 |
| Net interest margin | 3.8215% | 3,138 |
| Noninterest income to average assets | 1.1056% | 1,269 |
| Noninterest expense to average assets | 3.0488% | 3,097 |
| Loan and lease loss provision to assets | 0.8147% | 589 |
| Net operating income to assets | 0.5963% | 4,257 |
| Return on assets (ROA) | 0.6024% | 4,490 |
| Pretax return on assets | 0.6024% | 4,988 |
| Return on Equity (ROE) | 6.1653% | 4,078 |
| Retained earnings to average equity (ytd only) | 5.2813% | 2,516 |
| Net charge-offs to loans | 1.4262% | 643 |
| Credit loss provision to net charge-offs | 80.9076% | 3,799 |
| Earnings coverage of net charge-offs (x) | 1.4012% | 4,751 |
| Efficiency ratio | 68.3619% | 4,076 |
| Assets per employee ($millions) | 4.0939% | 3,752 |
| Cash dividends to net income (ytd only)* | 14.3386% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5943% | 3,351 |
| Loan loss allowance to noncurrent loans | 67.2555% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 2.4099% | 2,035 |
| Noncurrent loans to loans | 2.3705% | 2,265 |
| Net loans and leases to total assets | 70.4502% | 1,750 |
| Net loans and leases to deposits | 80.7231% | 2,187 |
| Net loans and leases to core deposits | 83.2032% | 2,641 |
| Total domestic deposits to total assets | 87.2738% | 2,658 |
| Equity capital to assets | 9.9965% | 4,167 |
| Core capital (leverage) ratio | 9.8440% | 3,613 |
| Tier 1 risk-based capital ratio | 13.5799% | 4,690 |
| Total risk-based capital ratio | 14.8345% | 4,635 |
| Memoranda: | ||
| Average total assets | $179,448,400 | 3,323 |
| Average earning assets | $157,502,000 | 3,411 |
| Average equity | $17,533,600 | 3,532 |
| Average total loans | $126,698,600 | 2,937 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 1,557 |
| Cost of funding earning assets | 1.1793% | 761 |
| Net interest margin | 3.8720% | 3,019 |
| Noninterest income to average assets | 1.0293% | 1,428 |
| Noninterest expense to average assets | 3.0098% | 3,200 |
| Loan and lease loss provision to assets | 0.8679% | 524 |
| Net operating income to assets | 0.5384% | 4,669 |
| Return on assets (ROA) | 0.5384% | 4,934 |
| Pretax return on assets | 0.5384% | 5,347 |
| Return on Equity (ROE) | 5.5429% | 4,581 |
| Retained earnings to average equity (ytd only) | 5.5429% | 3,010 |
| Net charge-offs to loans | 1.5983% | 522 |
| Credit loss provision to net charge-offs | 77.1825% | 3,699 |
| Earnings coverage of net charge-offs (x) | 1.2507% | 4,659 |
| Efficiency ratio | 68.1543% | 4,030 |
| Assets per employee ($millions) | 3.9737% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 3,350 |
| Loan loss allowance to noncurrent loans | 86.5320% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 2.4136% | 2,199 |
| Noncurrent loans to loans | 1.9009% | 2,960 |
| Net loans and leases to total assets | 70.3139% | 1,855 |
| Net loans and leases to deposits | 81.4754% | 2,187 |
| Net loans and leases to core deposits | 84.9478% | 2,583 |
| Total domestic deposits to total assets | 86.3009% | 3,087 |
| Equity capital to assets | 10.2515% | 4,136 |
| Core capital (leverage) ratio | 9.5904% | 4,129 |
| Tier 1 risk-based capital ratio | 13.7721% | 4,706 |
| Total risk-based capital ratio | 15.0269% | 4,658 |
| Memoranda: | ||
| Average total assets | $179,277,250 | 3,365 |
| Average earning assets | $156,813,000 | 3,471 |
| Average equity | $17,415,250 | 3,583 |
| Average total loans | $126,133,250 | 2,990 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1357% | 1,410 |
| Cost of funding earning assets | 1.2352% | 697 |
| Net interest margin | 3.9005% | 2,904 |
| Noninterest income to average assets | 0.9825% | 1,510 |
| Noninterest expense to average assets | 2.9045% | 3,599 |
| Loan and lease loss provision to assets | 1.0301% | 425 |
| Net operating income to assets | 0.4127% | 5,171 |
| Return on assets (ROA) | 0.4127% | 5,402 |
| Pretax return on assets | 0.4127% | 5,681 |
| Return on Equity (ROE) | 4.3257% | 5,123 |
| Retained earnings to average equity (ytd only) | 4.3257% | 3,738 |
| Net charge-offs to loans | 2.2369% | 336 |
| Credit loss provision to net charge-offs | 65.7951% | 3,663 |
| Earnings coverage of net charge-offs (x) | 0.9216% | 4,577 |
| Efficiency ratio | 66.8109% | 4,357 |
| Assets per employee ($millions) | 4.0593% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 3,925 |
| Loan loss allowance to noncurrent loans | 75.4427% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.5066% | 2,230 |
| Noncurrent loans to loans | 2.0132% | 2,936 |
| Net loans and leases to total assets | 69.5922% | 1,992 |
| Net loans and leases to deposits | 81.7110% | 2,150 |
| Net loans and leases to core deposits | 85.3021% | 2,514 |
| Total domestic deposits to total assets | 85.1687% | 3,788 |
| Equity capital to assets | 9.8024% | 4,620 |
| Core capital (leverage) ratio | 9.3897% | 4,313 |
| Tier 1 risk-based capital ratio | 13.2088% | 5,029 |
| Total risk-based capital ratio | 14.4619% | 5,003 |
| Memoranda: | ||
| Average total assets | $180,755,330 | 3,343 |
| Average earning assets | $155,928,330 | 3,497 |
| Average equity | $17,245,670 | 3,607 |
| Average total loans | $126,512,670 | 2,994 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3443% | 1,019 |
| Cost of funding earning assets | 1.3140% | 598 |
| Net interest margin | 4.0302% | 2,370 |
| Noninterest income to average assets | 0.9261% | 1,642 |
| Noninterest expense to average assets | 2.9698% | 3,388 |
| Loan and lease loss provision to assets | 0.9745% | 432 |
| Net operating income to assets | 0.4026% | 5,246 |
| Return on assets (ROA) | 0.4026% | 5,429 |
| Pretax return on assets | 0.4026% | 5,718 |
| Return on Equity (ROE) | 4.2771% | 5,147 |
| Retained earnings to average equity (ytd only) | 4.2771% | 4,021 |
| Net charge-offs to loans | 1.4527% | 690 |
| Credit loss provision to net charge-offs | 96.3043% | 2,432 |
| Earnings coverage of net charge-offs (x) | 1.3609% | 3,653 |
| Efficiency ratio | 68.3198% | 4,115 |
| Assets per employee ($millions) | 4.0465% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 2,738 |
| Loan loss allowance to noncurrent loans | 74.5233% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 2.6274% | 2,249 |
| Noncurrent loans to loans | 2.5241% | 2,584 |
| Net loans and leases to total assets | 69.8443% | 1,776 |
| Net loans and leases to deposits | 81.8545% | 1,954 |
| Net loans and leases to core deposits | 85.3940% | 2,360 |
| Total domestic deposits to total assets | 85.3274% | 3,869 |
| Equity capital to assets | 9.6464% | 4,590 |
| Core capital (leverage) ratio | 8.8884% | 5,005 |
| Tier 1 risk-based capital ratio | 13.2406% | 5,041 |
| Total risk-based capital ratio | 14.4990% | 5,009 |
| Memoranda: | ||
| Average total assets | $181,828,500 | 3,348 |
| Average earning assets | $154,333,500 | 3,545 |
| Average equity | $17,114,500 | 3,628 |
| Average total loans | $126,661,500 | 3,009 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5270% | 1,104 |
| Cost of funding earning assets | 1.6607% | 375 |
| Net interest margin | 3.8664% | 3,484 |
| Noninterest income to average assets | 0.6592% | 2,836 |
| Noninterest expense to average assets | 2.7955% | 4,365 |
| Loan and lease loss provision to assets | 1.1295% | 802 |
| Net operating income to assets | -0.0606% | 6,120 |
| Return on assets (ROA) | 0.0104% | 6,140 |
| Pretax return on assets | 0.0104% | 6,108 |
| Return on Equity (ROE) | 0.1148% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.1148% | 5,783 |
| Net charge-offs to loans | 1.6392% | 957 |
| Credit loss provision to net charge-offs | 97.4118% | 3,695 |
| Earnings coverage of net charge-offs (x) | 0.9219% | 5,113 |
| Efficiency ratio | 72.3383% | 3,510 |
| Assets per employee ($millions) | 4.2184% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8968% | 2,575 |
| Loan loss allowance to noncurrent loans | 57.4539% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 3.7185% | 1,571 |
| Noncurrent loans to loans | 3.3014% | 1,963 |
| Net loans and leases to total assets | 66.9050% | 2,608 |
| Net loans and leases to deposits | 77.8557% | 2,865 |
| Net loans and leases to core deposits | 82.1180% | 3,157 |
| Total domestic deposits to total assets | 85.9346% | 3,359 |
| Equity capital to assets | 9.1880% | 5,310 |
| Core capital (leverage) ratio | 9.0770% | 4,654 |
| Tier 1 risk-based capital ratio | 12.7739% | 5,260 |
| Total risk-based capital ratio | 14.0317% | 5,237 |
| Memoranda: | ||
| Average total assets | $183,259,600 | 3,282 |
| Average earning assets | $151,925,800 | 3,551 |
| Average equity | $16,554,800 | 3,642 |
| Average total loans | $129,637,800 | 2,986 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 1,030 |
| Cost of funding earning assets | 1.7214% | 364 |
| Net interest margin | 3.8812% | 3,475 |
| Noninterest income to average assets | 0.7474% | 2,328 |
| Noninterest expense to average assets | 2.8371% | 4,204 |
| Loan and lease loss provision to assets | 1.3167% | 564 |
| Net operating income to assets | -0.1759% | 6,359 |
| Return on assets (ROA) | -0.0810% | 6,348 |
| Pretax return on assets | -0.0810% | 6,318 |
| Return on Equity (ROE) | -0.9008% | 6,369 |
| Retained earnings to average equity (ytd only) | -0.9008% | 6,140 |
| Net charge-offs to loans | 2.0245% | 622 |
| Credit loss provision to net charge-offs | 91.1111% | 3,736 |
| Earnings coverage of net charge-offs (x) | 0.7894% | 5,023 |
| Efficiency ratio | 71.3211% | 3,687 |
| Assets per employee ($millions) | 4.0264% | 3,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,947 |
| Loan loss allowance to noncurrent loans | 54.0284% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 4.0929% | 1,496 |
| Noncurrent loans to loans | 3.3311% | 2,071 |
| Net loans and leases to total assets | 70.2203% | 2,045 |
| Net loans and leases to deposits | 82.9364% | 2,185 |
| Net loans and leases to core deposits | 88.1178% | 2,471 |
| Total domestic deposits to total assets | 84.6676% | 3,935 |
| Equity capital to assets | 9.5540% | 5,004 |
| Core capital (leverage) ratio | 8.8656% | 5,164 |
| Tier 1 risk-based capital ratio | 12.8182% | 5,232 |
| Total risk-based capital ratio | 14.0754% | 5,207 |
| Memoranda: | ||
| Average total assets | $182,671,750 | 3,308 |
| Average earning assets | $152,047,250 | 3,566 |
| Average equity | $16,430,000 | 3,670 |
| Average total loans | $130,401,250 | 2,998 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5440% | 1,200 |
| Cost of funding earning assets | 1.7536% | 379 |
| Net interest margin | 3.7904% | 3,830 |
| Noninterest income to average assets | 0.7935% | 2,052 |
| Noninterest expense to average assets | 2.9213% | 3,939 |
| Loan and lease loss provision to assets | 1.6043% | 434 |
| Net operating income to assets | -0.5691% | 6,741 |
| Return on assets (ROA) | -0.4282% | 6,665 |
| Pretax return on assets | -0.4282% | 6,610 |
| Return on Equity (ROE) | -4.8572% | 6,702 |
| Retained earnings to average equity (ytd only) | -4.8572% | 6,552 |
| Net charge-offs to loans | 2.4157% | 509 |
| Credit loss provision to net charge-offs | 93.0818% | 3,375 |
| Earnings coverage of net charge-offs (x) | 0.6006% | 4,844 |
| Efficiency ratio | 73.8356% | 3,388 |
| Assets per employee ($millions) | 4.0129% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 2,891 |
| Loan loss allowance to noncurrent loans | 70.7906% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 3.6978% | 1,759 |
| Noncurrent loans to loans | 2.5861% | 2,791 |
| Net loans and leases to total assets | 71.2487% | 1,952 |
| Net loans and leases to deposits | 85.2848% | 1,897 |
| Net loans and leases to core deposits | 92.0426% | 2,124 |
| Total domestic deposits to total assets | 83.5421% | 4,537 |
| Equity capital to assets | 9.3648% | 5,049 |
| Core capital (leverage) ratio | 8.8978% | 4,883 |
| Tier 1 risk-based capital ratio | 12.2137% | 5,599 |
| Total risk-based capital ratio | 13.4708% | 5,573 |
| Memoranda: | ||
| Average total assets | $184,508,670 | 3,311 |
| Average earning assets | $153,968,000 | 3,563 |
| Average equity | $16,264,670 | 3,687 |
| Average total loans | $131,640,670 | 3,006 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5919% | 1,070 |
| Cost of funding earning assets | 1.8126% | 357 |
| Net interest margin | 3.7794% | 3,712 |
| Noninterest income to average assets | 1.1121% | 1,059 |
| Noninterest expense to average assets | 2.8905% | 4,099 |
| Loan and lease loss provision to assets | 0.7958% | 1,063 |
| Net operating income to assets | 0.5454% | 4,290 |
| Return on assets (ROA) | 0.5454% | 4,373 |
| Pretax return on assets | 0.5454% | 4,878 |
| Return on Equity (ROE) | 6.3734% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.3734% | 2,433 |
| Net charge-offs to loans | 1.3285% | 1,040 |
| Credit loss provision to net charge-offs | 84.6501% | 3,048 |
| Earnings coverage of net charge-offs (x) | 1.4266% | 3,635 |
| Efficiency ratio | 68.3049% | 4,597 |
| Assets per employee ($millions) | 4.1409% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 3,020 |
| Loan loss allowance to noncurrent loans | 32.3183% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 5.5066% | 1,101 |
| Noncurrent loans to loans | 5.5601% | 1,172 |
| Net loans and leases to total assets | 73.2927% | 1,457 |
| Net loans and leases to deposits | 87.4265% | 1,528 |
| Net loans and leases to core deposits | 93.7395% | 1,917 |
| Total domestic deposits to total assets | 83.8335% | 4,553 |
| Equity capital to assets | 9.1559% | 4,943 |
| Core capital (leverage) ratio | 8.2573% | 5,890 |
| Tier 1 risk-based capital ratio | 11.7672% | 5,882 |
| Total risk-based capital ratio | 13.0237% | 5,889 |
| Memoranda: | ||
| Average total assets | $188,480,000 | 3,262 |
| Average earning assets | $155,581,000 | 3,551 |
| Average equity | $16,129,500 | 3,703 |
| Average total loans | $133,387,500 | 3,016 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7792% | 1,332 |
| Cost of funding earning assets | 2.1508% | 359 |
| Net interest margin | 3.6283% | 4,682 |
| Noninterest income to average assets | 0.8124% | 2,216 |
| Noninterest expense to average assets | 2.7613% | 4,735 |
| Loan and lease loss provision to assets | 1.1000% | 1,454 |
| Net operating income to assets | 0.0824% | 5,633 |
| Return on assets (ROA) | 0.0824% | 5,766 |
| Pretax return on assets | 0.0824% | 5,733 |
| Return on Equity (ROE) | 0.9600% | 5,712 |
| Retained earnings to average equity (ytd only) | 0.9600% | 5,073 |
| Net charge-offs to loans | 1.6655% | 1,301 |
| Credit loss provision to net charge-offs | 86.3383% | 5,267 |
| Earnings coverage of net charge-offs (x) | 0.9281% | 5,180 |
| Efficiency ratio | 70.0194% | 4,178 |
| Assets per employee ($millions) | 4.7357% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 2,738 |
| Loan loss allowance to noncurrent loans | 29.9439% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 5.5400% | 1,112 |
| Noncurrent loans to loans | 6.1263% | 1,008 |
| Net loans and leases to total assets | 66.0764% | 3,455 |
| Net loans and leases to deposits | 77.1162% | 3,655 |
| Net loans and leases to core deposits | 82.4753% | 3,823 |
| Total domestic deposits to total assets | 85.6843% | 3,504 |
| Equity capital to assets | 8.0221% | 6,477 |
| Core capital (leverage) ratio | 8.3485% | 5,613 |
| Tier 1 risk-based capital ratio | 11.5239% | 5,887 |
| Total risk-based capital ratio | 12.7809% | 5,887 |
| Memoranda: | ||
| Average total assets | $183,280,600 | 3,324 |
| Average earning assets | $158,171,400 | 3,482 |
| Average equity | $15,729,600 | 3,814 |
| Average total loans | $140,202,200 | 2,947 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8629% | 1,223 |
| Cost of funding earning assets | 2.2166% | 366 |
| Net interest margin | 3.6463% | 4,648 |
| Noninterest income to average assets | 0.7269% | 2,663 |
| Noninterest expense to average assets | 2.7903% | 4,534 |
| Loan and lease loss provision to assets | 1.0666% | 1,377 |
| Net operating income to assets | 0.1041% | 5,766 |
| Return on assets (ROA) | 0.1041% | 5,911 |
| Pretax return on assets | 0.1041% | 5,906 |
| Return on Equity (ROE) | 1.1910% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.1910% | 5,340 |
| Net charge-offs to loans | 1.5770% | 1,258 |
| Credit loss provision to net charge-offs | 85.5695% | 4,941 |
| Earnings coverage of net charge-offs (x) | 0.9392% | 5,121 |
| Efficiency ratio | 70.4447% | 3,978 |
| Assets per employee ($millions) | 4.3409% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7699% | 2,895 |
| Loan loss allowance to noncurrent loans | 35.4613% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 5.5891% | 1,098 |
| Noncurrent loans to loans | 4.9910% | 1,385 |
| Net loans and leases to total assets | 77.1092% | 1,200 |
| Net loans and leases to deposits | 91.9661% | 1,452 |
| Net loans and leases to core deposits | 98.4992% | 1,996 |
| Total domestic deposits to total assets | 83.8453% | 4,215 |
| Equity capital to assets | 8.8872% | 5,723 |
| Core capital (leverage) ratio | 8.3756% | 5,746 |
| Tier 1 risk-based capital ratio | 11.2451% | 6,141 |
| Total risk-based capital ratio | 12.5025% | 6,135 |
| Memoranda: | ||
| Average total assets | $179,375,750 | 3,428 |
| Average earning assets | $159,097,500 | 3,516 |
| Average equity | $15,673,000 | 3,864 |
| Average total loans | $141,782,250 | 2,946 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9146% | 1,147 |
| Cost of funding earning assets | 2.3404% | 296 |
| Net interest margin | 3.5742% | 4,930 |
| Noninterest income to average assets | 0.4697% | 4,360 |
| Noninterest expense to average assets | 2.6974% | 4,923 |
| Loan and lease loss provision to assets | 1.0023% | 1,452 |
| Net operating income to assets | -0.0504% | 6,152 |
| Return on assets (ROA) | -0.0504% | 6,240 |
| Pretax return on assets | -0.0504% | 6,201 |
| Return on Equity (ROE) | -0.5808% | 6,270 |
| Retained earnings to average equity (ytd only) | -0.5808% | 5,869 |
| Net charge-offs to loans | 1.6556% | 1,142 |
| Credit loss provision to net charge-offs | 76.4103% | 4,805 |
| Earnings coverage of net charge-offs (x) | 0.7256% | 5,023 |
| Efficiency ratio | 73.9171% | 3,488 |
| Assets per employee ($millions) | 4.1765% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 2,775 |
| Loan loss allowance to noncurrent loans | 36.8584% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 5.0429% | 1,272 |
| Noncurrent loans to loans | 4.8380% | 1,455 |
| Net loans and leases to total assets | 78.4664% | 1,034 |
| Net loans and leases to deposits | 93.9144% | 1,286 |
| Net loans and leases to core deposits | 100.5809% | 1,959 |
| Total domestic deposits to total assets | 83.5509% | 4,314 |
| Equity capital to assets | 9.0705% | 5,337 |
| Core capital (leverage) ratio | 8.5510% | 5,322 |
| Tier 1 risk-based capital ratio | 11.2589% | 5,987 |
| Total risk-based capital ratio | 12.5160% | 5,966 |
| Memoranda: | ||
| Average total assets | $178,395,000 | 3,464 |
| Average earning assets | $158,692,000 | 3,539 |
| Average equity | $15,496,330 | 3,895 |
| Average total loans | $141,337,330 | 2,989 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8738% | 1,261 |
| Cost of funding earning assets | 2.3129% | 417 |
| Net interest margin | 3.5610% | 4,898 |
| Noninterest income to average assets | 0.5626% | 3,542 |
| Noninterest expense to average assets | 2.7062% | 4,877 |
| Loan and lease loss provision to assets | 0.8739% | 1,460 |
| Net operating income to assets | 0.1356% | 5,904 |
| Return on assets (ROA) | 0.1356% | 6,027 |
| Pretax return on assets | 0.1356% | 6,047 |
| Return on Equity (ROE) | 1.5959% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.5959% | 5,148 |
| Net charge-offs to loans | 2.1925% | 777 |
| Credit loss provision to net charge-offs | 50.5141% | 4,473 |
| Earnings coverage of net charge-offs (x) | 0.5835% | 4,505 |
| Efficiency ratio | 72.8306% | 3,789 |
| Assets per employee ($millions) | 4.2778% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 3,051 |
| Loan loss allowance to noncurrent loans | 31.6976% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 5.3382% | 1,168 |
| Noncurrent loans to loans | 5.3746% | 1,317 |
| Net loans and leases to total assets | 76.7530% | 1,379 |
| Net loans and leases to deposits | 94.9620% | 1,237 |
| Net loans and leases to core deposits | 101.7269% | 1,948 |
| Total domestic deposits to total assets | 80.8250% | 5,513 |
| Equity capital to assets | 8.5542% | 5,931 |
| Core capital (leverage) ratio | 8.1004% | 6,074 |
| Tier 1 risk-based capital ratio | 10.7549% | 6,386 |
| Total risk-based capital ratio | 12.0108% | 6,366 |
| Memoranda: | ||
| Average total assets | $179,885,500 | 3,501 |
| Average earning assets | $159,283,000 | 3,576 |
| Average equity | $15,289,000 | 3,962 |
| Average total loans | $141,936,000 | 3,039 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 2,225 |
| Cost of funding earning assets | 2.8290% | 403 |
| Net interest margin | 3.0731% | 6,457 |
| Noninterest income to average assets | 1.1844% | 1,098 |
| Noninterest expense to average assets | 2.5887% | 5,832 |
| Loan and lease loss provision to assets | 1.3640% | 1,689 |
| Net operating income to assets | 0.0350% | 5,376 |
| Return on assets (ROA) | 0.1114% | 5,228 |
| Pretax return on assets | 0.1149% | 5,187 |
| Return on Equity (ROE) | 1.2313% | 5,159 |
| Retained earnings to average equity (ytd only) | -1.7406% | 5,446 |
| Net charge-offs to loans | 0.8818% | 2,631 |
| Credit loss provision to net charge-offs | 191.2510% | 2,088 |
| Earnings coverage of net charge-offs (x) | 1.9632% | 4,249 |
| Efficiency ratio | 64.8977% | 5,601 |
| Assets per employee ($millions) | 5.6283% | 1,534 |
| Cash dividends to net income (ytd only)* | 241.3613% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9327% | 2,184 |
| Loan loss allowance to noncurrent loans | 31.2606% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 5.8299% | 976 |
| Noncurrent loans to loans | 6.1825% | 1,007 |
| Net loans and leases to total assets | 78.1811% | 1,338 |
| Net loans and leases to deposits | 96.9065% | 1,219 |
| Net loans and leases to core deposits | 125.3867% | 1,561 |
| Total domestic deposits to total assets | 80.6768% | 5,446 |
| Equity capital to assets | 8.4445% | 5,985 |
| Core capital (leverage) ratio | 8.2954% | 5,629 |
| Tier 1 risk-based capital ratio | 10.7002% | 6,205 |
| Total risk-based capital ratio | 11.9600% | 6,174 |
| Memoranda: | ||
| Average total assets | $171,477,400 | 3,585 |
| Average earning assets | $156,488,800 | 3,586 |
| Average equity | $15,511,800 | 3,967 |
| Average total loans | $138,690,600 | 3,111 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9600% | 2,196 |
| Cost of funding earning assets | 2.9179% | 429 |
| Net interest margin | 3.0421% | 6,491 |
| Noninterest income to average assets | 1.3229% | 883 |
| Noninterest expense to average assets | 2.7001% | 5,330 |
| Loan and lease loss provision to assets | 0.9560% | 2,007 |
| Net operating income to assets | 0.4601% | 4,161 |
| Return on assets (ROA) | 0.5654% | 3,816 |
| Pretax return on assets | 0.5693% | 4,301 |
| Return on Equity (ROE) | 6.1415% | 3,470 |
| Retained earnings to average equity (ytd only) | 2.1983% | 4,100 |
| Net charge-offs to loans | 1.0397% | 1,900 |
| Credit loss provision to net charge-offs | 113.2463% | 4,489 |
| Earnings coverage of net charge-offs (x) | 1.6810% | 4,537 |
| Efficiency ratio | 65.5515% | 5,448 |
| Assets per employee ($millions) | 5.4622% | 1,649 |
| Cash dividends to net income (ytd only)* | 64.2060% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 4,620 |
| Loan loss allowance to noncurrent loans | 23.6818% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 5.0993% | 1,145 |
| Noncurrent loans to loans | 5.4018% | 1,167 |
| Net loans and leases to total assets | 79.5160% | 1,285 |
| Net loans and leases to deposits | 100.9647% | 1,016 |
| Net loans and leases to core deposits | 133.0914% | 1,262 |
| Total domestic deposits to total assets | 78.7562% | 5,880 |
| Equity capital to assets | 9.0360% | 5,435 |
| Core capital (leverage) ratio | 8.5031% | 5,488 |
| Tier 1 risk-based capital ratio | 11.3462% | 5,595 |
| Total risk-based capital ratio | 12.5974% | 5,529 |
| Memoranda: | ||
| Average total assets | $169,320,500 | 3,641 |
| Average earning assets | $155,632,500 | 3,624 |
| Average equity | $15,587,500 | 3,987 |
| Average total loans | $137,467,500 | 3,162 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9583% | 2,347 |
| Cost of funding earning assets | 2.9443% | 549 |
| Net interest margin | 3.0141% | 6,510 |
| Noninterest income to average assets | 1.6311% | 556 |
| Noninterest expense to average assets | 2.8359% | 4,799 |
| Loan and lease loss provision to assets | 0.7081% | 2,306 |
| Net operating income to assets | 0.8669% | 2,582 |
| Return on assets (ROA) | 1.0281% | 2,092 |
| Pretax return on assets | 1.0317% | 2,880 |
| Return on Equity (ROE) | 11.0963% | 1,677 |
| Retained earnings to average equity (ytd only) | 5.7093% | 2,155 |
| Net charge-offs to loans | 0.9842% | 1,784 |
| Credit loss provision to net charge-offs | 88.3756% | 4,971 |
| Earnings coverage of net charge-offs (x) | 1.9702% | 4,108 |
| Efficiency ratio | 64.2413% | 5,866 |
| Assets per employee ($millions) | 5.5868% | 1,510 |
| Cash dividends to net income (ytd only)* | 48.5482% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 5,496 |
| Loan loss allowance to noncurrent loans | 35.8585% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 3.5591% | 1,750 |
| Noncurrent loans to loans | 3.1076% | 2,305 |
| Net loans and leases to total assets | 81.0081% | 1,140 |
| Net loans and leases to deposits | 104.4475% | 879 |
| Net loans and leases to core deposits | 133.2162% | 1,354 |
| Total domestic deposits to total assets | 77.5588% | 6,188 |
| Equity capital to assets | 9.0375% | 5,259 |
| Core capital (leverage) ratio | 9.0056% | 4,624 |
| Tier 1 risk-based capital ratio | 11.6974% | 5,198 |
| Total risk-based capital ratio | 12.9037% | 5,168 |
| Memoranda: | ||
| Average total assets | $167,497,330 | 3,683 |
| Average earning assets | $154,674,330 | 3,654 |
| Average equity | $15,518,670 | 4,014 |
| Average total loans | $136,361,000 | 3,220 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9629% | 2,507 |
| Cost of funding earning assets | 2.9723% | 644 |
| Net interest margin | 2.9906% | 6,505 |
| Noninterest income to average assets | 1.5499% | 575 |
| Noninterest expense to average assets | 2.6577% | 5,193 |
| Loan and lease loss provision to assets | 0.5952% | 2,110 |
| Net operating income to assets | 1.0714% | 2,062 |
| Return on assets (ROA) | 1.1054% | 2,072 |
| Pretax return on assets | 1.1078% | 2,958 |
| Return on Equity (ROE) | 11.7784% | 1,733 |
| Retained earnings to average equity (ytd only) | 6.5493% | 2,400 |
| Net charge-offs to loans | 0.3024% | 2,898 |
| Credit loss provision to net charge-offs | 242.5743% | 1,922 |
| Earnings coverage of net charge-offs (x) | 6.8020% | 2,436 |
| Efficiency ratio | 61.4262% | 6,172 |
| Assets per employee ($millions) | 5.2326% | 1,815 |
| Cash dividends to net income (ytd only)* | 44.3956% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 3,980 |
| Loan loss allowance to noncurrent loans | 32.8835% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 3.7517% | 1,410 |
| Noncurrent loans to loans | 4.0045% | 1,502 |
| Net loans and leases to total assets | 80.6960% | 1,259 |
| Net loans and leases to deposits | 104.7312% | 962 |
| Net loans and leases to core deposits | 132.1457% | 1,529 |
| Total domestic deposits to total assets | 77.0506% | 6,263 |
| Equity capital to assets | 9.3370% | 4,877 |
| Core capital (leverage) ratio | 9.1978% | 4,402 |
| Tier 1 risk-based capital ratio | 12.1561% | 4,822 |
| Total risk-based capital ratio | 13.4086% | 4,714 |
| Memoranda: | ||
| Average total assets | $164,651,000 | 3,749 |
| Average earning assets | $152,878,500 | 3,697 |
| Average equity | $15,452,000 | 4,049 |
| Average total loans | $133,602,000 | 3,292 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5834% | 2,562 |
| Cost of funding earning assets | 3.2601% | 1,024 |
| Net interest margin | 3.3233% | 5,958 |
| Noninterest income to average assets | 0.9751% | 1,676 |
| Noninterest expense to average assets | 2.3168% | 6,647 |
| Loan and lease loss provision to assets | 0.6073% | 2,398 |
| Net operating income to assets | 1.1793% | 1,843 |
| Return on assets (ROA) | 1.1793% | 1,775 |
| Pretax return on assets | 1.1846% | 2,704 |
| Return on Equity (ROE) | 12.2527% | 1,536 |
| Retained earnings to average equity (ytd only) | 5.5960% | 1,716 |
| Net charge-offs to loans | 0.3327% | 3,176 |
| Credit loss provision to net charge-offs | 224.1546% | 2,121 |
| Earnings coverage of net charge-offs (x) | 6.6135% | 3,321 |
| Efficiency ratio | 56.3874% | 6,955 |
| Assets per employee ($millions) | 5.0581% | 1,894 |
| Cash dividends to net income (ytd only)* | 54.3285% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 3,968 |
| Loan loss allowance to noncurrent loans | 36.9570% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 3.0489% | 1,505 |
| Noncurrent loans to loans | 3.4456% | 1,482 |
| Net loans and leases to total assets | 79.4656% | 1,784 |
| Net loans and leases to deposits | 104.5070% | 1,291 |
| Net loans and leases to core deposits | 128.7518% | 1,944 |
| Total domestic deposits to total assets | 76.0386% | 6,230 |
| Equity capital to assets | 9.4341% | 4,781 |
| Core capital (leverage) ratio | 9.6949% | 3,772 |
| Tier 1 risk-based capital ratio | 12.4257% | 4,491 |
| Total risk-based capital ratio | 13.6777% | 4,389 |
| Memoranda: | ||
| Average total assets | $152,797,400 | 3,850 |
| Average earning assets | $144,075,200 | 3,755 |
| Average equity | $14,707,000 | 4,190 |
| Average total loans | $124,421,400 | 3,367 |