Home > Bank of Millbrook > Performance and Condition Ratios
Bank of Millbrook, 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 | 3.0174% | 4,520 |
| Cost of funding earning assets | 0.1448% | 4,468 |
| Net interest margin | 2.8727% | 3,533 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.1753% | 3,192 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0285% | 2,122 |
| Return on assets (ROA) | 1.0256% | 2,118 |
| Pretax return on assets | 1.2614% | 1,979 |
| Return on Equity (ROE) | 13.4700% | 1,613 |
| Retained earnings to average equity (ytd only) | 10.5465% | 894 |
| Net charge-offs to loans | 0.0055% | 2,506 |
| Credit loss provision to net charge-offs | 1,750.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 654.0000% | 224 |
| Efficiency ratio | 62.5965% | 2,771 |
| Assets per employee ($millions) | 7.1847% | 1,949 |
| Cash dividends to net income (ytd only)* | 21.7054% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1519% | 301 |
| Loan loss allowance to noncurrent loans | 333.7931% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2523% | 1,953 |
| Noncurrent loans to loans | 0.6447% | 1,217 |
| Net loans and leases to total assets | 38.2900% | 4,088 |
| Net loans and leases to deposits | 42.5332% | 4,143 |
| Net loans and leases to core deposits | 42.7980% | 4,230 |
| Total domestic deposits to total assets | 90.0200% | 754 |
| Equity capital to assets | 9.3829% | 2,434 |
| Core capital (leverage) ratio | 9.3671% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3106% | 461 |
| Memoranda: | ||
| Average total assets | $301,886,000 | 2,421 |
| Average earning assets | $285,275,200 | 2,379 |
| Average equity | $22,984,000 | 2,630 |
| Average total loans | $109,548,200 | 3,069 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8613% | 4,550 |
| Cost of funding earning assets | 0.1355% | 4,489 |
| Net interest margin | 2.7258% | 3,847 |
| Noninterest income to average assets | 0.7400% | 1,065 |
| Noninterest expense to average assets | 2.0917% | 3,379 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0139% | 2,325 |
| Return on assets (ROA) | 1.0099% | 2,323 |
| Pretax return on assets | 1.1853% | 2,335 |
| Return on Equity (ROE) | 14.0300% | 1,646 |
| Retained earnings to average equity (ytd only) | 12.5758% | 876 |
| Net charge-offs to loans | -0.0037% | 3,679 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.9829% | 2,614 |
| Assets per employee ($millions) | 7.6437% | 1,543 |
| Cash dividends to net income (ytd only)* | 10.3717% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1615% | 317 |
| Loan loss allowance to noncurrent loans | 516.9165% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 2,534 |
| Noncurrent loans to loans | 0.4182% | 1,786 |
| Net loans and leases to total assets | 36.6500% | 4,162 |
| Net loans and leases to deposits | 40.0761% | 4,203 |
| Net loans and leases to core deposits | 40.9214% | 4,242 |
| Total domestic deposits to total assets | 91.4600% | 565 |
| Equity capital to assets | 8.0767% | 3,010 |
| Core capital (leverage) ratio | 9.2787% | 3,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6407% | 399 |
| Memoranda: | ||
| Average total assets | $305,511,000 | 2,408 |
| Average earning assets | $289,328,500 | 2,366 |
| Average equity | $21,988,750 | 2,680 |
| Average total loans | $108,820,000 | 3,076 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7861% | 4,587 |
| Cost of funding earning assets | 0.1052% | 4,516 |
| Net interest margin | 2.6808% | 3,998 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 1.9988% | 3,603 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9817% | 2,475 |
| Return on assets (ROA) | 0.9760% | 2,490 |
| Pretax return on assets | 1.2371% | 2,263 |
| Return on Equity (ROE) | 14.1200% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.8632% | 1,010 |
| Net charge-offs to loans | -0.0019% | 3,520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.7220% | 2,865 |
| Assets per employee ($millions) | 6.9390% | 1,975 |
| Cash dividends to net income (ytd only)* | 15.9681% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2398% | 290 |
| Loan loss allowance to noncurrent loans | 846.6431% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 2,874 |
| Noncurrent loans to loans | 0.2645% | 2,212 |
| Net loans and leases to total assets | 35.0500% | 4,210 |
| Net loans and leases to deposits | 38.1052% | 4,254 |
| Net loans and leases to core deposits | 38.3579% | 4,287 |
| Total domestic deposits to total assets | 91.9800% | 415 |
| Equity capital to assets | 7.5181% | 3,507 |
| Core capital (leverage) ratio | 8.6090% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3027% | 419 |
| Memoranda: | ||
| Average total assets | $307,979,667 | 2,392 |
| Average earning assets | $292,744,000 | 2,355 |
| Average equity | $21,292,667 | 2,751 |
| Average total loans | $107,866,000 | 3,080 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6381% | 4,625 |
| Cost of funding earning assets | 0.0941% | 4,544 |
| Net interest margin | 2.5440% | 4,261 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 1.9976% | 3,629 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.0011% | 2,519 |
| Return on assets (ROA) | 0.9873% | 2,534 |
| Pretax return on assets | 1.0077% | 2,967 |
| Return on Equity (ROE) | 14.9000% | 1,570 |
| Retained earnings to average equity (ytd only) | 14.9013% | 813 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.5188% | 2,386 |
| Assets per employee ($millions) | 7.3300% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1917% | 328 |
| Loan loss allowance to noncurrent loans | 1,984.1667% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0381% | 3,406 |
| Noncurrent loans to loans | 0.1105% | 2,970 |
| Net loans and leases to total assets | 33.7100% | 4,270 |
| Net loans and leases to deposits | 36.4076% | 4,323 |
| Net loans and leases to core deposits | 36.6754% | 4,353 |
| Total domestic deposits to total assets | 92.6000% | 378 |
| Equity capital to assets | 7.0313% | 3,813 |
| Core capital (leverage) ratio | 8.3151% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7227% | 452 |
| Memoranda: | ||
| Average total assets | $312,782,000 | 2,397 |
| Average earning assets | $297,484,500 | 2,361 |
| Average equity | $20,723,000 | 2,824 |
| Average total loans | $108,311,500 | 3,111 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0887% | 4,592 |
| Cost of funding earning assets | 0.0545% | 4,566 |
| Net interest margin | 2.0343% | 4,550 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 1.9358% | 3,757 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5322% | 4,032 |
| Return on assets (ROA) | 0.5322% | 3,987 |
| Pretax return on assets | 0.7028% | 3,841 |
| Return on Equity (ROE) | 8.8300% | 3,172 |
| Retained earnings to average equity (ytd only) | 4.5917% | 3,208 |
| Net charge-offs to loans | 0.0019% | 2,467 |
| Credit loss provision to net charge-offs | 3,000.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 1,152.5000% | 157 |
| Efficiency ratio | 72.8472% | 1,346 |
| Assets per employee ($millions) | 7.2060% | 1,819 |
| Cash dividends to net income (ytd only)* | 48.0000% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1494% | 329 |
| Loan loss allowance to noncurrent loans | 369.5860% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2027% | 2,158 |
| Noncurrent loans to loans | 0.5816% | 1,277 |
| Net loans and leases to total assets | 34.1000% | 4,282 |
| Net loans and leases to deposits | 36.8972% | 4,323 |
| Net loans and leases to core deposits | 37.1256% | 4,357 |
| Total domestic deposits to total assets | 92.4200% | 540 |
| Equity capital to assets | 6.0860% | 4,059 |
| Core capital (leverage) ratio | 7.6318% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5748% | 442 |
| Memoranda: | ||
| Average total assets | $319,456,200 | 2,354 |
| Average earning assets | $306,646,200 | 2,300 |
| Average equity | $19,252,000 | 3,013 |
| Average total loans | $102,857,200 | 3,113 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9375% | 4,621 |
| Cost of funding earning assets | 0.0431% | 4,602 |
| Net interest margin | 1.8944% | 4,586 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 1.8774% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4946% | 4,090 |
| Return on assets (ROA) | 0.4946% | 4,038 |
| Pretax return on assets | 0.6293% | 3,935 |
| Return on Equity (ROE) | 8.2300% | 3,262 |
| Retained earnings to average equity (ytd only) | 5.9118% | 2,778 |
| Net charge-offs to loans | -0.0026% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.8967% | 1,185 |
| Assets per employee ($millions) | 7.7119% | 1,474 |
| Cash dividends to net income (ytd only)* | 28.1407% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1560% | 375 |
| Loan loss allowance to noncurrent loans | 314.6611% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 2,116 |
| Noncurrent loans to loans | 0.6852% | 1,193 |
| Net loans and leases to total assets | 31.8800% | 4,378 |
| Net loans and leases to deposits | 33.5747% | 4,428 |
| Net loans and leases to core deposits | 33.7570% | 4,450 |
| Total domestic deposits to total assets | 94.9400% | 235 |
| Equity capital to assets | 4.6687% | 4,359 |
| Core capital (leverage) ratio | 7.6307% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1503% | 483 |
| Memoranda: | ||
| Average total assets | $321,856,000 | 2,360 |
| Average earning assets | $309,603,000 | 2,303 |
| Average equity | $19,350,500 | 3,052 |
| Average total loans | $101,575,000 | 3,135 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8588% | 4,655 |
| Cost of funding earning assets | 0.0421% | 4,639 |
| Net interest margin | 1.8167% | 4,622 |
| Noninterest income to average assets | 0.6943% | 1,362 |
| Noninterest expense to average assets | 1.8756% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4708% | 3,967 |
| Return on assets (ROA) | 0.4708% | 3,918 |
| Pretax return on assets | 0.5660% | 3,879 |
| Return on Equity (ROE) | 7.2832% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.0462% | 3,067 |
| Net charge-offs to loans | -0.0020% | 3,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8171% | 1,197 |
| Assets per employee ($millions) | 7.4682% | 1,633 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2625% | 345 |
| Loan loss allowance to noncurrent loans | 237.4739% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 1,783 |
| Noncurrent loans to loans | 0.9527% | 875 |
| Net loans and leases to total assets | 31.3321% | 4,416 |
| Net loans and leases to deposits | 33.4079% | 4,460 |
| Net loans and leases to core deposits | 33.5974% | 4,490 |
| Total domestic deposits to total assets | 93.7864% | 325 |
| Equity capital to assets | 5.7271% | 4,292 |
| Core capital (leverage) ratio | 8.0075% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4170% | 345 |
| Memoranda: | ||
| Average total assets | $321,175,000 | 2,382 |
| Average earning assets | $308,904,333 | 2,330 |
| Average equity | $20,760,000 | 2,994 |
| Average total loans | $100,259,667 | 3,183 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7559% | 4,671 |
| Cost of funding earning assets | 0.0422% | 4,650 |
| Net interest margin | 1.7137% | 4,640 |
| Noninterest income to average assets | 0.6561% | 1,463 |
| Noninterest expense to average assets | 1.7345% | 4,082 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5540% | 3,543 |
| Return on assets (ROA) | 0.5540% | 3,518 |
| Pretax return on assets | 0.5712% | 3,703 |
| Return on Equity (ROE) | 8.1235% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.1235% | 1,539 |
| Net charge-offs to loans | -0.0040% | 3,274 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2269% | 1,610 |
| Assets per employee ($millions) | 8.5463% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2442% | 408 |
| Loan loss allowance to noncurrent loans | 305.6452% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 2,272 |
| Noncurrent loans to loans | 0.7343% | 1,298 |
| Net loans and leases to total assets | 30.5004% | 4,433 |
| Net loans and leases to deposits | 32.6052% | 4,477 |
| Net loans and leases to core deposits | 33.0123% | 4,508 |
| Total domestic deposits to total assets | 93.5445% | 163 |
| Equity capital to assets | 6.1181% | 4,560 |
| Core capital (leverage) ratio | 7.9187% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1877% | 377 |
| Memoranda: | ||
| Average total assets | $324,929,500 | 2,369 |
| Average earning assets | $312,770,000 | 2,322 |
| Average equity | $22,158,000 | 2,975 |
| Average total loans | $100,113,000 | 3,187 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8272% | 4,712 |
| Cost of funding earning assets | 0.0467% | 4,700 |
| Net interest margin | 1.7804% | 4,671 |
| Noninterest income to average assets | 0.7664% | 1,545 |
| Noninterest expense to average assets | 1.9312% | 3,855 |
| Loan and lease loss provision to assets | 0.0434% | 2,186 |
| Net operating income to assets | 0.4498% | 4,185 |
| Return on assets (ROA) | 0.4498% | 4,228 |
| Pretax return on assets | 0.5078% | 4,246 |
| Return on Equity (ROE) | 5.3864% | 3,913 |
| Retained earnings to average equity (ytd only) | 1.5504% | 4,105 |
| Net charge-offs to loans | 0.0532% | 1,263 |
| Credit loss provision to net charge-offs | 245.2830% | 1,181 |
| Earnings coverage of net charge-offs (x) | 31.1698% | 1,585 |
| Efficiency ratio | 77.7957% | 966 |
| Assets per employee ($millions) | 7.9310% | 1,364 |
| Cash dividends to net income (ytd only)* | 71.2166% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2346% | 422 |
| Loan loss allowance to noncurrent loans | 187.7655% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3620% | 1,777 |
| Noncurrent loans to loans | 1.1901% | 808 |
| Net loans and leases to total assets | 29.7347% | 4,517 |
| Net loans and leases to deposits | 32.3712% | 4,572 |
| Net loans and leases to core deposits | 32.7365% | 4,587 |
| Total domestic deposits to total assets | 91.8554% | 221 |
| Equity capital to assets | 7.3970% | 4,625 |
| Core capital (leverage) ratio | 7.7797% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7653% | 357 |
| Memoranda: | ||
| Average total assets | $299,715,600 | 2,436 |
| Average earning assets | $288,861,200 | 2,384 |
| Average equity | $25,026,200 | 2,848 |
| Average total loans | $99,569,600 | 3,203 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8222% | 4,791 |
| Cost of funding earning assets | 0.0467% | 4,788 |
| Net interest margin | 1.7755% | 4,755 |
| Noninterest income to average assets | 0.7458% | 1,684 |
| Noninterest expense to average assets | 1.9280% | 3,872 |
| Loan and lease loss provision to assets | 0.0590% | 1,813 |
| Net operating income to assets | 0.4027% | 4,370 |
| Return on assets (ROA) | 0.4027% | 4,397 |
| Pretax return on assets | 0.4700% | 4,406 |
| Return on Equity (ROE) | 4.6748% | 4,192 |
| Retained earnings to average equity (ytd only) | 2.9020% | 3,941 |
| Net charge-offs to loans | 0.0709% | 942 |
| Credit loss provision to net charge-offs | 245.2830% | 1,110 |
| Earnings coverage of net charge-offs (x) | 21.9623% | 1,696 |
| Efficiency ratio | 78.4684% | 838 |
| Assets per employee ($millions) | 7.8070% | 1,373 |
| Cash dividends to net income (ytd only)* | 37.9233% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2424% | 426 |
| Loan loss allowance to noncurrent loans | 359.9349% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 2,840 |
| Noncurrent loans to loans | 0.6230% | 1,752 |
| Net loans and leases to total assets | 30.0997% | 4,587 |
| Net loans and leases to deposits | 32.8792% | 4,655 |
| Net loans and leases to core deposits | 33.1852% | 4,671 |
| Total domestic deposits to total assets | 91.5463% | 228 |
| Equity capital to assets | 7.9219% | 4,557 |
| Core capital (leverage) ratio | 8.6840% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7680% | 385 |
| Memoranda: | ||
| Average total assets | $293,351,500 | 2,483 |
| Average earning assets | $282,734,500 | 2,440 |
| Average equity | $25,269,500 | 2,861 |
| Average total loans | $99,737,250 | 3,243 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8673% | 4,829 |
| Cost of funding earning assets | 0.0498% | 4,822 |
| Net interest margin | 1.8175% | 4,779 |
| Noninterest income to average assets | 0.6968% | 1,818 |
| Noninterest expense to average assets | 1.9906% | 3,730 |
| Loan and lease loss provision to assets | 0.0703% | 1,645 |
| Net operating income to assets | 0.3234% | 4,500 |
| Return on assets (ROA) | 0.3234% | 4,522 |
| Pretax return on assets | 0.3825% | 4,518 |
| Return on Equity (ROE) | 3.6450% | 4,386 |
| Retained earnings to average equity (ytd only) | 0.9826% | 4,346 |
| Net charge-offs to loans | 0.1119% | 687 |
| Credit loss provision to net charge-offs | 178.5714% | 1,096 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,758 |
| Efficiency ratio | 81.4676% | 702 |
| Assets per employee ($millions) | 7.0143% | 1,798 |
| Cash dividends to net income (ytd only)* | 73.0435% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 414 |
| Loan loss allowance to noncurrent loans | 522.0624% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 2,992 |
| Noncurrent loans to loans | 0.4239% | 2,411 |
| Net loans and leases to total assets | 33.4525% | 4,554 |
| Net loans and leases to deposits | 36.9132% | 4,614 |
| Net loans and leases to core deposits | 37.2971% | 4,642 |
| Total domestic deposits to total assets | 90.6248% | 508 |
| Equity capital to assets | 8.6742% | 4,070 |
| Core capital (leverage) ratio | 8.6047% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6384% | 350 |
| Memoranda: | ||
| Average total assets | $284,440,000 | 2,529 |
| Average earning assets | $273,341,667 | 2,487 |
| Average equity | $25,240,333 | 2,860 |
| Average total loans | $100,131,333 | 3,251 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8593% | 4,866 |
| Cost of funding earning assets | 0.0529% | 4,856 |
| Net interest margin | 1.8064% | 4,804 |
| Noninterest income to average assets | 0.6533% | 2,016 |
| Noninterest expense to average assets | 1.9317% | 3,908 |
| Loan and lease loss provision to assets | 0.0778% | 1,639 |
| Net operating income to assets | 0.3691% | 4,415 |
| Return on assets (ROA) | 0.3691% | 4,447 |
| Pretax return on assets | 0.3818% | 4,510 |
| Return on Equity (ROE) | 4.1123% | 4,264 |
| Retained earnings to average equity (ytd only) | 4.1123% | 3,472 |
| Net charge-offs to loans | 0.0079% | 1,622 |
| Credit loss provision to net charge-offs | 2,750.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 162.5000% | 461 |
| Efficiency ratio | 80.7806% | 772 |
| Assets per employee ($millions) | 7.0950% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1728% | 442 |
| Loan loss allowance to noncurrent loans | 320.5279% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2289% | 3,003 |
| Noncurrent loans to loans | 0.6779% | 1,891 |
| Net loans and leases to total assets | 33.0284% | 4,603 |
| Net loans and leases to deposits | 36.3137% | 4,667 |
| Net loans and leases to core deposits | 36.7029% | 4,696 |
| Total domestic deposits to total assets | 90.9530% | 416 |
| Equity capital to assets | 8.4396% | 4,163 |
| Core capital (leverage) ratio | 9.0183% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0100% | 402 |
| Memoranda: | ||
| Average total assets | $282,866,500 | 2,525 |
| Average earning assets | $272,139,500 | 2,476 |
| Average equity | $25,387,500 | 2,846 |
| Average total loans | $101,006,000 | 3,245 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6455% | 4,808 |
| Cost of funding earning assets | 0.0852% | 4,900 |
| Net interest margin | 2.5604% | 4,534 |
| Noninterest income to average assets | 0.6751% | 1,935 |
| Noninterest expense to average assets | 2.3126% | 3,374 |
| Loan and lease loss provision to assets | 0.1070% | 3,001 |
| Net operating income to assets | 0.6108% | 3,712 |
| Return on assets (ROA) | 0.6208% | 3,801 |
| Pretax return on assets | 0.7104% | 3,859 |
| Return on Equity (ROE) | 5.9959% | 3,592 |
| Retained earnings to average equity (ytd only) | 1.6770% | 3,960 |
| Net charge-offs to loans | 0.0313% | 2,406 |
| Credit loss provision to net charge-offs | 870.9677% | 851 |
| Earnings coverage of net charge-offs (x) | 65.5806% | 1,017 |
| Efficiency ratio | 74.1579% | 1,421 |
| Assets per employee ($millions) | 6.5311% | 1,896 |
| Cash dividends to net income (ytd only)* | 72.0307% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1528% | 449 |
| Loan loss allowance to noncurrent loans | 281.3144% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 2,839 |
| Noncurrent loans to loans | 0.7652% | 1,798 |
| Net loans and leases to total assets | 37.0540% | 4,562 |
| Net loans and leases to deposits | 41.3979% | 4,621 |
| Net loans and leases to core deposits | 41.7712% | 4,656 |
| Total domestic deposits to total assets | 89.5069% | 764 |
| Equity capital to assets | 9.6633% | 3,448 |
| Core capital (leverage) ratio | 9.3293% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8934% | 396 |
| Memoranda: | ||
| Average total assets | $252,267,400 | 2,564 |
| Average earning assets | $240,747,400 | 2,523 |
| Average equity | $26,117,800 | 2,734 |
| Average total loans | $99,175,400 | 3,244 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7810% | 4,839 |
| Cost of funding earning assets | 0.0917% | 4,937 |
| Net interest margin | 2.6892% | 4,481 |
| Noninterest income to average assets | 0.6618% | 1,939 |
| Noninterest expense to average assets | 2.2985% | 3,426 |
| Loan and lease loss provision to assets | 0.1047% | 3,011 |
| Net operating income to assets | 0.7122% | 3,424 |
| Return on assets (ROA) | 0.7257% | 3,467 |
| Pretax return on assets | 0.8390% | 3,546 |
| Return on Equity (ROE) | 6.8860% | 3,242 |
| Retained earnings to average equity (ytd only) | 4.3190% | 2,887 |
| Net charge-offs to loans | 0.0352% | 2,128 |
| Credit loss provision to net charge-offs | 750.0000% | 1,025 |
| Earnings coverage of net charge-offs (x) | 66.5000% | 1,031 |
| Efficiency ratio | 71.2361% | 1,723 |
| Assets per employee ($millions) | 6.5102% | 1,827 |
| Cash dividends to net income (ytd only)* | 37.2781% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0313% | 465 |
| Loan loss allowance to noncurrent loans | 145.2234% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 2,106 |
| Noncurrent loans to loans | 1.3988% | 1,039 |
| Net loans and leases to total assets | 37.2700% | 4,633 |
| Net loans and leases to deposits | 41.5338% | 4,706 |
| Net loans and leases to core deposits | 41.8884% | 4,748 |
| Total domestic deposits to total assets | 89.7341% | 518 |
| Equity capital to assets | 9.6720% | 3,539 |
| Core capital (leverage) ratio | 10.1947% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4752% | 383 |
| Memoranda: | ||
| Average total assets | $248,390,000 | 2,575 |
| Average earning assets | $236,889,250 | 2,530 |
| Average equity | $26,178,250 | 2,722 |
| Average total loans | $98,618,000 | 3,265 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9273% | 4,871 |
| Cost of funding earning assets | 0.1048% | 4,963 |
| Net interest margin | 2.8225% | 4,413 |
| Noninterest income to average assets | 0.6665% | 1,871 |
| Noninterest expense to average assets | 2.3896% | 3,284 |
| Loan and lease loss provision to assets | 0.1000% | 3,025 |
| Net operating income to assets | 0.8659% | 2,821 |
| Return on assets (ROA) | 0.8898% | 2,849 |
| Pretax return on assets | 0.8948% | 3,324 |
| Return on Equity (ROE) | 8.1874% | 2,671 |
| Retained earnings to average equity (ytd only) | 4.3237% | 2,771 |
| Net charge-offs to loans | 0.0537% | 1,721 |
| Credit loss provision to net charge-offs | 461.5385% | 1,289 |
| Earnings coverage of net charge-offs (x) | 44.8077% | 1,174 |
| Efficiency ratio | 71.1133% | 1,806 |
| Assets per employee ($millions) | 5.4974% | 2,640 |
| Cash dividends to net income (ytd only)* | 47.1910% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 460 |
| Loan loss allowance to noncurrent loans | 111.4270% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 1,671 |
| Noncurrent loans to loans | 1.7691% | 797 |
| Net loans and leases to total assets | 40.9685% | 4,569 |
| Net loans and leases to deposits | 46.3914% | 4,642 |
| Net loans and leases to core deposits | 46.8361% | 4,694 |
| Total domestic deposits to total assets | 88.3105% | 1,036 |
| Equity capital to assets | 10.7351% | 2,541 |
| Core capital (leverage) ratio | 10.1762% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4047% | 429 |
| Memoranda: | ||
| Average total assets | $240,043,667 | 2,607 |
| Average earning assets | $229,086,667 | 2,560 |
| Average equity | $26,089,000 | 2,710 |
| Average total loans | $96,817,333 | 3,287 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0826% | 4,919 |
| Cost of funding earning assets | 0.1156% | 5,024 |
| Net interest margin | 2.9669% | 4,338 |
| Noninterest income to average assets | 0.6346% | 1,883 |
| Noninterest expense to average assets | 2.2913% | 3,789 |
| Loan and lease loss provision to assets | 0.0762% | 2,774 |
| Net operating income to assets | 1.0835% | 1,893 |
| Return on assets (ROA) | 1.1321% | 1,849 |
| Pretax return on assets | 1.1389% | 2,399 |
| Return on Equity (ROE) | 10.3500% | 1,627 |
| Retained earnings to average equity (ytd only) | 10.3500% | 676 |
| Net charge-offs to loans | -0.0043% | 3,811 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2751% | 2,916 |
| Assets per employee ($millions) | 5.4527% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1297% | 413 |
| Loan loss allowance to noncurrent loans | 351.5901% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 3,544 |
| Noncurrent loans to loans | 0.6057% | 2,476 |
| Net loans and leases to total assets | 37.2709% | 4,746 |
| Net loans and leases to deposits | 42.0949% | 4,797 |
| Net loans and leases to core deposits | 42.4304% | 4,835 |
| Total domestic deposits to total assets | 88.5402% | 862 |
| Equity capital to assets | 10.8183% | 3,029 |
| Core capital (leverage) ratio | 10.9009% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1590% | 384 |
| Memoranda: | ||
| Average total assets | $236,373,000 | 2,586 |
| Average earning assets | $224,877,500 | 2,538 |
| Average equity | $25,855,000 | 2,718 |
| Average total loans | $93,532,000 | 3,331 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4142% | 4,912 |
| Cost of funding earning assets | 0.1157% | 5,086 |
| Net interest margin | 3.2984% | 3,993 |
| Noninterest income to average assets | 0.8308% | 1,358 |
| Noninterest expense to average assets | 2.6905% | 2,912 |
| Loan and lease loss provision to assets | 0.0427% | 3,155 |
| Net operating income to assets | 0.9942% | 2,868 |
| Return on assets (ROA) | 0.9978% | 2,940 |
| Pretax return on assets | 1.2040% | 2,835 |
| Return on Equity (ROE) | 9.0565% | 2,725 |
| Retained earnings to average equity (ytd only) | 4.5081% | 2,706 |
| Net charge-offs to loans | 0.0999% | 1,731 |
| Credit loss provision to net charge-offs | 102.1277% | 2,427 |
| Earnings coverage of net charge-offs (x) | 29.7447% | 1,588 |
| Efficiency ratio | 68.4139% | 2,403 |
| Assets per employee ($millions) | 5.1675% | 2,375 |
| Cash dividends to net income (ytd only)* | 50.2226% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 400 |
| Loan loss allowance to noncurrent loans | 468.5851% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 3,393 |
| Noncurrent loans to loans | 0.4454% | 2,845 |
| Net loans and leases to total assets | 40.3165% | 4,722 |
| Net loans and leases to deposits | 45.8290% | 4,791 |
| Net loans and leases to core deposits | 46.1508% | 4,832 |
| Total domestic deposits to total assets | 87.9716% | 1,137 |
| Equity capital to assets | 11.2050% | 2,812 |
| Core capital (leverage) ratio | 10.8442% | 2,639 |
| Tier 1 risk-based capital ratio | 24.2786% | 808 |
| Total risk-based capital ratio | 25.5380% | 787 |
| Memoranda: | ||
| Average total assets | $225,084,600 | 2,620 |
| Average earning assets | $211,675,800 | 2,588 |
| Average equity | $24,799,800 | 2,731 |
| Average total loans | $94,097,000 | 3,318 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 5,003 |
| Cost of funding earning assets | 0.1126% | 5,165 |
| Net interest margin | 3.3156% | 4,067 |
| Noninterest income to average assets | 0.7738% | 1,510 |
| Noninterest expense to average assets | 2.6326% | 3,069 |
| Loan and lease loss provision to assets | 0.0534% | 2,840 |
| Net operating income to assets | 1.0279% | 2,874 |
| Return on assets (ROA) | 1.0309% | 2,937 |
| Pretax return on assets | 1.2050% | 2,967 |
| Return on Equity (ROE) | 9.3973% | 2,714 |
| Retained earnings to average equity (ytd only) | 6.6691% | 2,025 |
| Net charge-offs to loans | 0.0255% | 2,590 |
| Credit loss provision to net charge-offs | 500.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 117.3858% | 663 |
| Efficiency ratio | 67.7207% | 2,467 |
| Assets per employee ($millions) | 4.9879% | 2,576 |
| Cash dividends to net income (ytd only)* | 29.0321% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2231% | 321 |
| Loan loss allowance to noncurrent loans | 243.7939% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 2,875 |
| Noncurrent loans to loans | 0.9119% | 1,753 |
| Net loans and leases to total assets | 39.9101% | 4,819 |
| Net loans and leases to deposits | 45.1667% | 4,889 |
| Net loans and leases to core deposits | 45.4878% | 4,930 |
| Total domestic deposits to total assets | 88.3618% | 894 |
| Equity capital to assets | 11.1470% | 2,972 |
| Core capital (leverage) ratio | 11.4306% | 2,282 |
| Tier 1 risk-based capital ratio | 24.7289% | 784 |
| Total risk-based capital ratio | 25.9900% | 769 |
| Memoranda: | ||
| Average total assets | $224,513,000 | 2,644 |
| Average earning assets | $210,837,250 | 2,625 |
| Average equity | $24,630,500 | 2,761 |
| Average total loans | $94,215,750 | 3,351 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4441% | 5,049 |
| Cost of funding earning assets | 0.1081% | 5,217 |
| Net interest margin | 3.3360% | 4,061 |
| Noninterest income to average assets | 0.7771% | 1,420 |
| Noninterest expense to average assets | 2.6625% | 3,026 |
| Loan and lease loss provision to assets | 0.0538% | 2,745 |
| Net operating income to assets | 1.0527% | 2,712 |
| Return on assets (ROA) | 1.0535% | 2,776 |
| Pretax return on assets | 1.1908% | 2,933 |
| Return on Equity (ROE) | 9.6565% | 2,553 |
| Retained earnings to average equity (ytd only) | 5.5109% | 2,514 |
| Net charge-offs to loans | 0.0381% | 2,124 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 839 |
| Efficiency ratio | 68.1599% | 2,507 |
| Assets per employee ($millions) | 4.9043% | 2,598 |
| Cash dividends to net income (ytd only)* | 42.9302% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1797% | 338 |
| Loan loss allowance to noncurrent loans | 865.4008% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 4,031 |
| Noncurrent loans to loans | 0.2519% | 3,630 |
| Net loans and leases to total assets | 41.7064% | 4,787 |
| Net loans and leases to deposits | 47.4439% | 4,864 |
| Net loans and leases to core deposits | 47.7340% | 4,916 |
| Total domestic deposits to total assets | 87.9067% | 1,141 |
| Equity capital to assets | 11.3184% | 2,769 |
| Core capital (leverage) ratio | 10.9952% | 2,606 |
| Tier 1 risk-based capital ratio | 23.5057% | 893 |
| Total risk-based capital ratio | 24.7656% | 871 |
| Memoranda: | ||
| Average total assets | $222,869,670 | 2,667 |
| Average earning assets | $209,053,670 | 2,646 |
| Average equity | $24,315,330 | 2,780 |
| Average total loans | $94,403,330 | 3,365 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3884% | 5,120 |
| Cost of funding earning assets | 0.1025% | 5,277 |
| Net interest margin | 3.2859% | 4,197 |
| Noninterest income to average assets | 0.7412% | 1,461 |
| Noninterest expense to average assets | 2.4576% | 3,613 |
| Loan and lease loss provision to assets | 0.0536% | 2,592 |
| Net operating income to assets | 1.3110% | 1,658 |
| Return on assets (ROA) | 1.3110% | 1,700 |
| Pretax return on assets | 1.3217% | 2,371 |
| Return on Equity (ROE) | 12.2417% | 1,456 |
| Retained earnings to average equity (ytd only) | 12.2417% | 572 |
| Net charge-offs to loans | 0.0042% | 2,560 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 770.0000% | 88 |
| Efficiency ratio | 64.1193% | 3,221 |
| Assets per employee ($millions) | 5.0929% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 369 |
| Loan loss allowance to noncurrent loans | 852.7197% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 2,376 |
| Noncurrent loans to loans | 0.2547% | 3,649 |
| Net loans and leases to total assets | 40.0587% | 4,887 |
| Net loans and leases to deposits | 45.0868% | 4,954 |
| Net loans and leases to core deposits | 45.4353% | 5,010 |
| Total domestic deposits to total assets | 88.8481% | 937 |
| Equity capital to assets | 10.7225% | 3,137 |
| Core capital (leverage) ratio | 10.8445% | 2,721 |
| Tier 1 risk-based capital ratio | 23.1970% | 918 |
| Total risk-based capital ratio | 24.4569% | 894 |
| Memoranda: | ||
| Average total assets | $223,958,000 | 2,691 |
| Average earning assets | $210,721,500 | 2,662 |
| Average equity | $23,983,500 | 2,807 |
| Average total loans | $94,558,000 | 3,401 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0682% | 5,203 |
| Cost of funding earning assets | 0.0777% | 5,331 |
| Net interest margin | 2.9905% | 4,808 |
| Noninterest income to average assets | 0.7356% | 1,707 |
| Noninterest expense to average assets | 2.5573% | 3,449 |
| Loan and lease loss provision to assets | 0.0530% | 3,122 |
| Net operating income to assets | 0.8071% | 3,779 |
| Return on assets (ROA) | 0.8071% | 3,780 |
| Pretax return on assets | 0.9639% | 3,717 |
| Return on Equity (ROE) | 7.9755% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.1588% | 3,814 |
| Net charge-offs to loans | 0.0527% | 2,401 |
| Credit loss provision to net charge-offs | 240.0000% | 1,231 |
| Earnings coverage of net charge-offs (x) | 46.0600% | 1,194 |
| Efficiency ratio | 71.5503% | 1,963 |
| Assets per employee ($millions) | 4.9713% | 2,541 |
| Cash dividends to net income (ytd only)* | 60.3939% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1087% | 397 |
| Loan loss allowance to noncurrent loans | 133.3112% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 1,911 |
| Noncurrent loans to loans | 1.5818% | 932 |
| Net loans and leases to total assets | 42.6370% | 4,861 |
| Net loans and leases to deposits | 48.1700% | 4,929 |
| Net loans and leases to core deposits | 48.4128% | 4,982 |
| Total domestic deposits to total assets | 88.5135% | 1,066 |
| Equity capital to assets | 10.6947% | 2,994 |
| Core capital (leverage) ratio | 10.4026% | 3,136 |
| Tier 1 risk-based capital ratio | 22.5157% | 967 |
| Total risk-based capital ratio | 23.7753% | 944 |
| Memoranda: | ||
| Average total assets | $226,486,600 | 2,639 |
| Average earning assets | $214,979,800 | 2,601 |
| Average equity | $22,920,200 | 2,828 |
| Average total loans | $94,929,200 | 3,388 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9477% | 5,309 |
| Cost of funding earning assets | 0.0707% | 5,406 |
| Net interest margin | 2.8771% | 5,004 |
| Noninterest income to average assets | 0.7174% | 1,798 |
| Noninterest expense to average assets | 2.5040% | 3,587 |
| Loan and lease loss provision to assets | 0.0525% | 2,931 |
| Net operating income to assets | 0.8014% | 3,892 |
| Return on assets (ROA) | 0.8014% | 3,899 |
| Pretax return on assets | 0.8936% | 4,041 |
| Return on Equity (ROE) | 8.0283% | 3,540 |
| Retained earnings to average equity (ytd only) | 5.2216% | 3,106 |
| Net charge-offs to loans | 0.0689% | 1,849 |
| Credit loss provision to net charge-offs | 183.6735% | 1,482 |
| Earnings coverage of net charge-offs (x) | 33.0825% | 1,526 |
| Efficiency ratio | 72.5766% | 1,798 |
| Assets per employee ($millions) | 5.2341% | 2,190 |
| Cash dividends to net income (ytd only)* | 34.9597% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0717% | 429 |
| Loan loss allowance to noncurrent loans | 111.0924% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 1,822 |
| Noncurrent loans to loans | 1.8648% | 816 |
| Net loans and leases to total assets | 40.7019% | 5,009 |
| Net loans and leases to deposits | 45.4255% | 5,071 |
| Net loans and leases to core deposits | 45.7479% | 5,116 |
| Total domestic deposits to total assets | 89.6013% | 637 |
| Equity capital to assets | 9.9957% | 3,651 |
| Core capital (leverage) ratio | 10.9639% | 2,617 |
| Tier 1 risk-based capital ratio | 22.3377% | 1,005 |
| Total risk-based capital ratio | 23.5957% | 983 |
| Memoranda: | ||
| Average total assets | $228,424,500 | 2,636 |
| Average earning assets | $216,974,250 | 2,599 |
| Average equity | $22,802,000 | 2,843 |
| Average total loans | $94,843,750 | 3,418 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9355% | 5,354 |
| Cost of funding earning assets | 0.0694% | 5,459 |
| Net interest margin | 2.8662% | 5,060 |
| Noninterest income to average assets | 0.7208% | 1,788 |
| Noninterest expense to average assets | 2.5479% | 3,487 |
| Loan and lease loss provision to assets | 0.0527% | 2,863 |
| Net operating income to assets | 0.7594% | 3,998 |
| Return on assets (ROA) | 0.7594% | 3,999 |
| Pretax return on assets | 0.8402% | 4,134 |
| Return on Equity (ROE) | 7.6113% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.3877% | 3,886 |
| Net charge-offs to loans | 0.1608% | 957 |
| Credit loss provision to net charge-offs | 78.9474% | 2,266 |
| Earnings coverage of net charge-offs (x) | 13.3816% | 2,152 |
| Efficiency ratio | 74.0495% | 1,703 |
| Assets per employee ($millions) | 5.0357% | 2,373 |
| Cash dividends to net income (ytd only)* | 55.4913% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0413% | 483 |
| Loan loss allowance to noncurrent loans | 121.3611% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 2,088 |
| Noncurrent loans to loans | 1.6820% | 947 |
| Net loans and leases to total assets | 41.7142% | 4,996 |
| Net loans and leases to deposits | 46.7926% | 5,067 |
| Net loans and leases to core deposits | 47.2980% | 5,119 |
| Total domestic deposits to total assets | 89.1471% | 872 |
| Equity capital to assets | 10.2468% | 3,392 |
| Core capital (leverage) ratio | 10.2808% | 3,255 |
| Tier 1 risk-based capital ratio | 22.2836% | 1,006 |
| Total risk-based capital ratio | 23.5418% | 987 |
| Memoranda: | ||
| Average total assets | $227,799,670 | 2,656 |
| Average earning assets | $216,178,330 | 2,618 |
| Average equity | $22,729,330 | 2,865 |
| Average total loans | $94,552,000 | 3,437 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8039% | 5,455 |
| Cost of funding earning assets | 0.0638% | 5,525 |
| Net interest margin | 2.7400% | 5,219 |
| Noninterest income to average assets | 0.6669% | 1,970 |
| Noninterest expense to average assets | 2.3715% | 4,016 |
| Loan and lease loss provision to assets | 0.0520% | 2,733 |
| Net operating income to assets | 0.8315% | 3,588 |
| Return on assets (ROA) | 0.8315% | 3,602 |
| Pretax return on assets | 0.8453% | 4,032 |
| Return on Equity (ROE) | 8.4425% | 3,171 |
| Retained earnings to average equity (ytd only) | 8.4425% | 1,676 |
| Net charge-offs to loans | 0.2282% | 659 |
| Credit loss provision to net charge-offs | 55.5556% | 1,906 |
| Earnings coverage of net charge-offs (x) | 9.5926% | 1,953 |
| Efficiency ratio | 72.5490% | 2,114 |
| Assets per employee ($millions) | 5.4125% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0334% | 502 |
| Loan loss allowance to noncurrent loans | 98.2582% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8387% | 1,887 |
| Noncurrent loans to loans | 2.0694% | 754 |
| Net loans and leases to total assets | 39.7046% | 5,083 |
| Net loans and leases to deposits | 44.2137% | 5,153 |
| Net loans and leases to core deposits | 44.6161% | 5,192 |
| Total domestic deposits to total assets | 89.8017% | 740 |
| Equity capital to assets | 9.8180% | 3,773 |
| Core capital (leverage) ratio | 10.2797% | 3,208 |
| Tier 1 risk-based capital ratio | 22.2163% | 1,023 |
| Total risk-based capital ratio | 23.4743% | 1,003 |
| Memoranda: | ||
| Average total assets | $230,913,500 | 2,659 |
| Average earning assets | $219,269,500 | 2,620 |
| Average equity | $22,742,000 | 2,894 |
| Average total loans | $94,651,500 | 3,455 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8689% | 5,433 |
| Cost of funding earning assets | 0.0595% | 5,594 |
| Net interest margin | 2.8094% | 5,158 |
| Noninterest income to average assets | 0.7693% | 1,698 |
| Noninterest expense to average assets | 2.5420% | 3,632 |
| Loan and lease loss provision to assets | 0.1444% | 1,577 |
| Net operating income to assets | 0.6754% | 3,705 |
| Return on assets (ROA) | 0.6754% | 3,756 |
| Pretax return on assets | 0.7458% | 4,398 |
| Return on Equity (ROE) | 6.5275% | 3,517 |
| Retained earnings to average equity (ytd only) | 1.3997% | 4,446 |
| Net charge-offs to loans | 0.4932% | 482 |
| Credit loss provision to net charge-offs | 66.3900% | 3,144 |
| Earnings coverage of net charge-offs (x) | 4.0934% | 3,518 |
| Efficiency ratio | 74.0634% | 1,885 |
| Assets per employee ($millions) | 5.3277% | 2,123 |
| Cash dividends to net income (ytd only)* | 78.5571% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0447% | 492 |
| Loan loss allowance to noncurrent loans | 100.7784% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9049% | 1,718 |
| Noncurrent loans to loans | 2.0289% | 747 |
| Net loans and leases to total assets | 40.6109% | 5,107 |
| Net loans and leases to deposits | 45.4007% | 5,207 |
| Net loans and leases to core deposits | 45.8050% | 5,242 |
| Total domestic deposits to total assets | 89.4500% | 796 |
| Equity capital to assets | 9.8799% | 3,843 |
| Core capital (leverage) ratio | 9.7426% | 3,754 |
| Tier 1 risk-based capital ratio | 21.7714% | 1,046 |
| Total risk-based capital ratio | 23.0299% | 1,022 |
| Memoranda: | ||
| Average total assets | $221,638,400 | 2,715 |
| Average earning assets | $210,081,400 | 2,667 |
| Average equity | $22,933,800 | 2,868 |
| Average total loans | $97,725,600 | 3,387 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8572% | 5,500 |
| Cost of funding earning assets | 0.0570% | 5,668 |
| Net interest margin | 2.8002% | 5,217 |
| Noninterest income to average assets | 0.7650% | 1,716 |
| Noninterest expense to average assets | 2.4928% | 3,763 |
| Loan and lease loss provision to assets | 0.0546% | 2,997 |
| Net operating income to assets | 0.8512% | 3,271 |
| Return on assets (ROA) | 0.8512% | 3,319 |
| Pretax return on assets | 0.8706% | 4,138 |
| Return on Equity (ROE) | 8.1300% | 3,063 |
| Retained earnings to average equity (ytd only) | 4.9313% | 2,932 |
| Net charge-offs to loans | 0.1138% | 1,654 |
| Credit loss provision to net charge-offs | 107.1429% | 2,177 |
| Earnings coverage of net charge-offs (x) | 18.1543% | 2,067 |
| Efficiency ratio | 72.9322% | 2,053 |
| Assets per employee ($millions) | 5.4378% | 1,983 |
| Cash dividends to net income (ytd only)* | 39.3442% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1136% | 474 |
| Loan loss allowance to noncurrent loans | 81.4274% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0846% | 1,536 |
| Noncurrent loans to loans | 2.5957% | 563 |
| Net loans and leases to total assets | 40.8996% | 5,159 |
| Net loans and leases to deposits | 45.6912% | 5,266 |
| Net loans and leases to core deposits | 46.0308% | 5,311 |
| Total domestic deposits to total assets | 89.5131% | 651 |
| Equity capital to assets | 10.0827% | 3,823 |
| Core capital (leverage) ratio | 10.7338% | 2,722 |
| Tier 1 risk-based capital ratio | 21.8974% | 1,053 |
| Total risk-based capital ratio | 23.1572% | 1,039 |
| Memoranda: | ||
| Average total assets | $219,775,250 | 2,754 |
| Average earning assets | $208,217,500 | 2,701 |
| Average equity | $23,008,750 | 2,877 |
| Average total loans | $98,412,500 | 3,405 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8976% | 5,510 |
| Cost of funding earning assets | 0.0579% | 5,707 |
| Net interest margin | 2.8397% | 5,186 |
| Noninterest income to average assets | 0.7708% | 1,684 |
| Noninterest expense to average assets | 2.5766% | 3,501 |
| Loan and lease loss provision to assets | 0.0558% | 2,857 |
| Net operating income to assets | 0.8220% | 3,286 |
| Return on assets (ROA) | 0.8220% | 3,343 |
| Pretax return on assets | 0.8285% | 4,168 |
| Return on Equity (ROE) | 7.7477% | 3,171 |
| Retained earnings to average equity (ytd only) | 2.9098% | 3,982 |
| Net charge-offs to loans | 0.0730% | 1,892 |
| Credit loss provision to net charge-offs | 166.6667% | 1,422 |
| Earnings coverage of net charge-offs (x) | 26.4167% | 1,575 |
| Efficiency ratio | 74.4492% | 1,932 |
| Assets per employee ($millions) | 5.4554% | 1,914 |
| Cash dividends to net income (ytd only)* | 62.4434% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1080% | 505 |
| Loan loss allowance to noncurrent loans | 72.3013% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 1,184 |
| Noncurrent loans to loans | 2.9155% | 454 |
| Net loans and leases to total assets | 45.4654% | 4,973 |
| Net loans and leases to deposits | 51.3742% | 5,086 |
| Net loans and leases to core deposits | 51.7355% | 5,156 |
| Total domestic deposits to total assets | 88.4984% | 1,204 |
| Equity capital to assets | 10.8257% | 3,004 |
| Core capital (leverage) ratio | 10.5435% | 2,868 |
| Tier 1 risk-based capital ratio | 21.5931% | 1,102 |
| Total risk-based capital ratio | 22.8538% | 1,074 |
| Memoranda: | ||
| Average total assets | $215,091,670 | 2,808 |
| Average earning assets | $203,753,000 | 2,770 |
| Average equity | $22,819,670 | 2,900 |
| Average total loans | $98,650,330 | 3,421 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8432% | 5,576 |
| Cost of funding earning assets | 0.0567% | 5,771 |
| Net interest margin | 2.7865% | 5,272 |
| Noninterest income to average assets | 0.7343% | 1,806 |
| Noninterest expense to average assets | 2.4193% | 4,062 |
| Loan and lease loss provision to assets | 0.0555% | 2,697 |
| Net operating income to assets | 0.8823% | 2,849 |
| Return on assets (ROA) | 0.8823% | 2,900 |
| Pretax return on assets | 0.8971% | 3,784 |
| Return on Equity (ROE) | 8.4005% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.4005% | 1,311 |
| Net charge-offs to loans | 0.0081% | 2,691 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 257.5000% | 228 |
| Efficiency ratio | 71.7499% | 2,619 |
| Assets per employee ($millions) | 5.6909% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 532 |
| Loan loss allowance to noncurrent loans | 256.3882% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 3,732 |
| Noncurrent loans to loans | 0.8266% | 2,388 |
| Net loans and leases to total assets | 43.4312% | 5,071 |
| Net loans and leases to deposits | 48.6924% | 5,188 |
| Net loans and leases to core deposits | 49.0180% | 5,261 |
| Total domestic deposits to total assets | 89.1950% | 1,052 |
| Equity capital to assets | 10.3999% | 3,291 |
| Core capital (leverage) ratio | 10.6453% | 2,747 |
| Tier 1 risk-based capital ratio | 21.6476% | 1,127 |
| Total risk-based capital ratio | 22.9083% | 1,103 |
| Memoranda: | ||
| Average total assets | $216,256,500 | 2,825 |
| Average earning assets | $204,702,500 | 2,781 |
| Average equity | $22,713,000 | 2,923 |
| Average total loans | $98,567,500 | 3,447 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8188% | 5,632 |
| Cost of funding earning assets | 0.0593% | 5,820 |
| Net interest margin | 2.7595% | 5,341 |
| Noninterest income to average assets | 0.7672% | 1,893 |
| Noninterest expense to average assets | 2.6163% | 3,629 |
| Loan and lease loss provision to assets | 0.0696% | 2,961 |
| Net operating income to assets | 0.6184% | 4,136 |
| Return on assets (ROA) | 0.6159% | 4,259 |
| Pretax return on assets | 0.6939% | 4,515 |
| Return on Equity (ROE) | 5.7804% | 4,084 |
| Retained earnings to average equity (ytd only) | 1.0759% | 4,878 |
| Net charge-offs to loans | 0.3294% | 837 |
| Credit loss provision to net charge-offs | 45.5927% | 3,431 |
| Earnings coverage of net charge-offs (x) | 5.0182% | 3,403 |
| Efficiency ratio | 77.3463% | 1,796 |
| Assets per employee ($millions) | 5.3992% | 1,956 |
| Cash dividends to net income (ytd only)* | 81.3866% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 561 |
| Loan loss allowance to noncurrent loans | 198.5535% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 3,289 |
| Noncurrent loans to loans | 1.0511% | 1,976 |
| Net loans and leases to total assets | 45.8738% | 5,023 |
| Net loans and leases to deposits | 51.7328% | 5,134 |
| Net loans and leases to core deposits | 51.8444% | 5,234 |
| Total domestic deposits to total assets | 88.6745% | 1,283 |
| Equity capital to assets | 10.6112% | 3,027 |
| Core capital (leverage) ratio | 10.1961% | 3,230 |
| Tier 1 risk-based capital ratio | 21.2192% | 1,170 |
| Total risk-based capital ratio | 22.4809% | 1,155 |
| Memoranda: | ||
| Average total assets | $215,457,200 | 2,799 |
| Average earning assets | $204,203,200 | 2,749 |
| Average equity | $22,957,000 | 2,893 |
| Average total loans | $99,880,600 | 3,385 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7754% | 5,727 |
| Cost of funding earning assets | 0.0564% | 5,893 |
| Net interest margin | 2.7190% | 5,471 |
| Noninterest income to average assets | 0.7526% | 1,956 |
| Noninterest expense to average assets | 2.5561% | 3,804 |
| Loan and lease loss provision to assets | 0.0615% | 3,002 |
| Net operating income to assets | 0.7138% | 3,773 |
| Return on assets (ROA) | 0.7156% | 3,904 |
| Pretax return on assets | 0.7156% | 4,567 |
| Return on Equity (ROE) | 6.7097% | 3,716 |
| Retained earnings to average equity (ytd only) | 3.9404% | 3,500 |
| Net charge-offs to loans | 0.2369% | 992 |
| Credit loss provision to net charge-offs | 56.1798% | 2,957 |
| Earnings coverage of net charge-offs (x) | 7.0786% | 2,922 |
| Efficiency ratio | 76.7270% | 1,874 |
| Assets per employee ($millions) | 5.7284% | 1,632 |
| Cash dividends to net income (ytd only)* | 41.2723% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1352% | 567 |
| Loan loss allowance to noncurrent loans | 91.8660% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0033% | 2,057 |
| Noncurrent loans to loans | 2.3242% | 792 |
| Net loans and leases to total assets | 42.2471% | 5,283 |
| Net loans and leases to deposits | 47.3408% | 5,398 |
| Net loans and leases to core deposits | 47.4338% | 5,469 |
| Total domestic deposits to total assets | 89.2404% | 781 |
| Equity capital to assets | 10.2276% | 3,884 |
| Core capital (leverage) ratio | 10.8445% | 2,631 |
| Tier 1 risk-based capital ratio | 22.1489% | 1,121 |
| Total risk-based capital ratio | 23.4104% | 1,100 |
| Memoranda: | ||
| Average total assets | $216,679,250 | 2,799 |
| Average earning assets | $205,511,750 | 2,745 |
| Average equity | $23,110,250 | 2,902 |
| Average total loans | $100,187,000 | 3,391 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8376% | 5,782 |
| Cost of funding earning assets | 0.0597% | 5,969 |
| Net interest margin | 2.7779% | 5,460 |
| Noninterest income to average assets | 0.7406% | 1,972 |
| Noninterest expense to average assets | 2.6359% | 3,586 |
| Loan and lease loss provision to assets | 0.0659% | 2,825 |
| Net operating income to assets | 0.6672% | 3,970 |
| Return on assets (ROA) | 0.6691% | 4,102 |
| Pretax return on assets | 0.6691% | 4,715 |
| Return on Equity (ROE) | 6.1821% | 3,968 |
| Retained earnings to average equity (ytd only) | 2.0085% | 4,559 |
| Net charge-offs to loans | 0.1769% | 1,281 |
| Credit loss provision to net charge-offs | 78.6517% | 2,381 |
| Earnings coverage of net charge-offs (x) | 8.7528% | 2,492 |
| Efficiency ratio | 78.2402% | 1,751 |
| Assets per employee ($millions) | 5.4428% | 1,850 |
| Cash dividends to net income (ytd only)* | 67.5105% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1839% | 557 |
| Loan loss allowance to noncurrent loans | 149.5179% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 2,945 |
| Noncurrent loans to loans | 1.4606% | 1,510 |
| Net loans and leases to total assets | 45.8095% | 5,139 |
| Net loans and leases to deposits | 51.8807% | 5,253 |
| Net loans and leases to core deposits | 51.9922% | 5,361 |
| Total domestic deposits to total assets | 88.2978% | 1,277 |
| Equity capital to assets | 10.9437% | 3,117 |
| Core capital (leverage) ratio | 10.5502% | 2,912 |
| Tier 1 risk-based capital ratio | 21.8191% | 1,157 |
| Total risk-based capital ratio | 23.0817% | 1,139 |
| Memoranda: | ||
| Average total assets | $212,527,330 | 2,863 |
| Average earning assets | $201,085,670 | 2,802 |
| Average equity | $23,002,000 | 2,921 |
| Average total loans | $100,611,000 | 3,398 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8317% | 5,837 |
| Cost of funding earning assets | 0.0538% | 6,043 |
| Net interest margin | 2.7779% | 5,504 |
| Noninterest income to average assets | 0.7110% | 1,987 |
| Noninterest expense to average assets | 2.5449% | 3,928 |
| Loan and lease loss provision to assets | 0.0752% | 2,454 |
| Net operating income to assets | 0.7129% | 3,648 |
| Return on assets (ROA) | 0.7166% | 3,747 |
| Pretax return on assets | 0.7166% | 4,468 |
| Return on Equity (ROE) | 6.6585% | 3,637 |
| Retained earnings to average equity (ytd only) | 6.6585% | 2,055 |
| Net charge-offs to loans | 0.4150% | 543 |
| Credit loss provision to net charge-offs | 38.0952% | 2,159 |
| Earnings coverage of net charge-offs (x) | 3.9905% | 2,476 |
| Efficiency ratio | 76.3544% | 2,127 |
| Assets per employee ($millions) | 5.4607% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1129% | 673 |
| Loan loss allowance to noncurrent loans | 224.8677% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 3,854 |
| Noncurrent loans to loans | 0.9396% | 2,501 |
| Net loans and leases to total assets | 45.0702% | 5,180 |
| Net loans and leases to deposits | 50.7260% | 5,301 |
| Net loans and leases to core deposits | 50.8457% | 5,410 |
| Total domestic deposits to total assets | 88.8503% | 1,180 |
| Equity capital to assets | 10.6520% | 3,310 |
| Core capital (leverage) ratio | 10.7857% | 2,638 |
| Tier 1 risk-based capital ratio | 21.9039% | 1,174 |
| Total risk-based capital ratio | 23.1660% | 1,149 |
| Memoranda: | ||
| Average total assets | $212,657,000 | 2,862 |
| Average earning assets | $200,726,500 | 2,816 |
| Average equity | $22,888,000 | 2,937 |
| Average total loans | $101,211,500 | 3,399 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9833% | 5,740 |
| Cost of funding earning assets | 0.0652% | 6,084 |
| Net interest margin | 2.9181% | 5,302 |
| Noninterest income to average assets | 0.8125% | 1,736 |
| Noninterest expense to average assets | 2.7353% | 3,467 |
| Loan and lease loss provision to assets | 0.0815% | 2,662 |
| Net operating income to assets | 0.6180% | 4,189 |
| Return on assets (ROA) | 0.6491% | 4,139 |
| Pretax return on assets | 0.7804% | 4,257 |
| Return on Equity (ROE) | 5.9531% | 4,055 |
| Retained earnings to average equity (ytd only) | 1.4157% | 4,919 |
| Net charge-offs to loans | 0.1934% | 1,506 |
| Credit loss provision to net charge-offs | 86.2944% | 2,826 |
| Earnings coverage of net charge-offs (x) | 8.7310% | 2,912 |
| Efficiency ratio | 76.8381% | 2,143 |
| Assets per employee ($millions) | 4.6962% | 2,736 |
| Cash dividends to net income (ytd only)* | 76.2186% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 674 |
| Loan loss allowance to noncurrent loans | 198.5267% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 3,532 |
| Noncurrent loans to loans | 1.0663% | 2,210 |
| Net loans and leases to total assets | 48.2481% | 4,996 |
| Net loans and leases to deposits | 54.7654% | 5,118 |
| Net loans and leases to core deposits | 54.9804% | 5,258 |
| Total domestic deposits to total assets | 88.0996% | 1,577 |
| Equity capital to assets | 10.8730% | 2,964 |
| Core capital (leverage) ratio | 10.4318% | 3,018 |
| Tier 1 risk-based capital ratio | 21.3751% | 1,234 |
| Total risk-based capital ratio | 22.6376% | 1,217 |
| Memoranda: | ||
| Average total assets | $208,609,800 | 2,867 |
| Average earning assets | $196,395,200 | 2,816 |
| Average equity | $22,744,400 | 2,901 |
| Average total loans | $101,862,600 | 3,353 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9940% | 5,814 |
| Cost of funding earning assets | 0.0630% | 6,175 |
| Net interest margin | 2.9310% | 5,351 |
| Noninterest income to average assets | 0.7683% | 1,936 |
| Noninterest expense to average assets | 2.6570% | 3,696 |
| Loan and lease loss provision to assets | 0.0701% | 2,776 |
| Net operating income to assets | 0.6530% | 4,115 |
| Return on assets (ROA) | 0.6937% | 4,037 |
| Pretax return on assets | 0.8493% | 4,177 |
| Return on Equity (ROE) | 6.3586% | 3,980 |
| Retained earnings to average equity (ytd only) | 3.5533% | 3,940 |
| Net charge-offs to loans | 0.2618% | 1,009 |
| Credit loss provision to net charge-offs | 55.0000% | 2,976 |
| Earnings coverage of net charge-offs (x) | 6.8200% | 2,995 |
| Efficiency ratio | 75.3390% | 2,344 |
| Assets per employee ($millions) | 5.2104% | 2,050 |
| Cash dividends to net income (ytd only)* | 44.1174% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0655% | 828 |
| Loan loss allowance to noncurrent loans | 355.7823% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 3,693 |
| Noncurrent loans to loans | 0.5806% | 3,589 |
| Net loans and leases to total assets | 47.5921% | 5,113 |
| Net loans and leases to deposits | 53.8687% | 5,258 |
| Net loans and leases to core deposits | 54.0775% | 5,400 |
| Total domestic deposits to total assets | 88.3484% | 1,382 |
| Equity capital to assets | 11.0941% | 2,910 |
| Core capital (leverage) ratio | 11.4555% | 2,070 |
| Tier 1 risk-based capital ratio | 21.3234% | 1,289 |
| Total risk-based capital ratio | 22.5848% | 1,270 |
| Memoranda: | ||
| Average total assets | $209,104,250 | 2,885 |
| Average earning assets | $196,787,000 | 2,834 |
| Average equity | $22,813,750 | 2,919 |
| Average total loans | $101,865,250 | 3,388 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0114% | 5,845 |
| Cost of funding earning assets | 0.0640% | 6,240 |
| Net interest margin | 2.9474% | 5,343 |
| Noninterest income to average assets | 0.8035% | 1,763 |
| Noninterest expense to average assets | 2.6045% | 3,894 |
| Loan and lease loss provision to assets | 0.0573% | 2,951 |
| Net operating income to assets | 0.8124% | 3,319 |
| Return on assets (ROA) | 0.8608% | 3,181 |
| Pretax return on assets | 0.9669% | 3,709 |
| Return on Equity (ROE) | 7.9345% | 3,097 |
| Retained earnings to average equity (ytd only) | 3.7075% | 3,665 |
| Net charge-offs to loans | 0.0235% | 3,198 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 84.5833% | 673 |
| Efficiency ratio | 72.8682% | 2,864 |
| Assets per employee ($millions) | 4.7072% | 2,667 |
| Cash dividends to net income (ytd only)* | 53.2741% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1475% | 796 |
| Loan loss allowance to noncurrent loans | 178.4800% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 2,699 |
| Noncurrent loans to loans | 1.2032% | 2,254 |
| Net loans and leases to total assets | 50.2226% | 4,912 |
| Net loans and leases to deposits | 58.0862% | 4,989 |
| Net loans and leases to core deposits | 58.3229% | 5,174 |
| Total domestic deposits to total assets | 86.4621% | 2,453 |
| Equity capital to assets | 11.2811% | 2,588 |
| Core capital (leverage) ratio | 10.7153% | 2,717 |
| Tier 1 risk-based capital ratio | 21.9322% | 1,219 |
| Total risk-based capital ratio | 23.1963% | 1,197 |
| Memoranda: | ||
| Average total assets | $209,333,330 | 2,897 |
| Average earning assets | $196,782,330 | 2,850 |
| Average equity | $22,711,000 | 2,937 |
| Average total loans | $102,059,670 | 3,399 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9809% | 5,915 |
| Cost of funding earning assets | 0.0641% | 6,314 |
| Net interest margin | 2.9168% | 5,415 |
| Noninterest income to average assets | 0.7538% | 1,889 |
| Noninterest expense to average assets | 2.5358% | 4,154 |
| Loan and lease loss provision to assets | 0.0564% | 2,807 |
| Net operating income to assets | 0.8510% | 3,004 |
| Return on assets (ROA) | 0.9117% | 2,815 |
| Pretax return on assets | 0.9624% | 3,640 |
| Return on Equity (ROE) | 8.5653% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.5653% | 1,353 |
| Net charge-offs to loans | 0.0435% | 2,371 |
| Credit loss provision to net charge-offs | 272.7273% | 872 |
| Earnings coverage of net charge-offs (x) | 46.1818% | 893 |
| Efficiency ratio | 72.6440% | 3,063 |
| Assets per employee ($millions) | 4.9733% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1606% | 843 |
| Loan loss allowance to noncurrent loans | 909.5041% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 4,450 |
| Noncurrent loans to loans | 0.2376% | 4,926 |
| Net loans and leases to total assets | 46.6070% | 5,156 |
| Net loans and leases to deposits | 52.8034% | 5,283 |
| Net loans and leases to core deposits | 53.0903% | 5,420 |
| Total domestic deposits to total assets | 88.2651% | 1,679 |
| Equity capital to assets | 10.7501% | 3,263 |
| Core capital (leverage) ratio | 10.5712% | 2,882 |
| Tier 1 risk-based capital ratio | 21.9598% | 1,253 |
| Total risk-based capital ratio | 22.6055% | 1,331 |
| Memoranda: | ||
| Average total assets | $212,795,500 | 2,881 |
| Average earning assets | $199,670,500 | 2,840 |
| Average equity | $22,649,500 | 2,962 |
| Average total loans | $101,146,500 | 3,432 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0274% | 6,033 |
| Cost of funding earning assets | 0.0672% | 6,405 |
| Net interest margin | 2.9603% | 5,530 |
| Noninterest income to average assets | 0.7694% | 1,992 |
| Noninterest expense to average assets | 2.7362% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6693% | 4,041 |
| Return on assets (ROA) | 0.6881% | 4,071 |
| Pretax return on assets | 0.8367% | 4,122 |
| Return on Equity (ROE) | 6.4806% | 3,910 |
| Retained earnings to average equity (ytd only) | 2.0522% | 4,754 |
| Net charge-offs to loans | 0.0159% | 4,554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 106.4375% | 492 |
| Efficiency ratio | 77.0763% | 2,343 |
| Assets per employee ($millions) | 5.1644% | 2,109 |
| Cash dividends to net income (ytd only)* | 68.3333% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1728% | 853 |
| Loan loss allowance to noncurrent loans | 414.0417% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 4,019 |
| Noncurrent loans to loans | 0.5248% | 4,094 |
| Net loans and leases to total assets | 46.3968% | 5,295 |
| Net loans and leases to deposits | 52.3466% | 5,458 |
| Net loans and leases to core deposits | 52.6592% | 5,585 |
| Total domestic deposits to total assets | 88.6338% | 1,452 |
| Equity capital to assets | 10.5365% | 3,431 |
| Core capital (leverage) ratio | 10.0538% | 3,495 |
| Tier 1 risk-based capital ratio | 22.7373% | 1,119 |
| Total risk-based capital ratio | 24.0023% | 1,097 |
| Memoranda: | ||
| Average total assets | $209,267,400 | 2,881 |
| Average earning assets | $196,571,000 | 2,841 |
| Average equity | $22,220,200 | 2,925 |
| Average total loans | $100,468,800 | 3,412 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0302% | 6,106 |
| Cost of funding earning assets | 0.0647% | 6,495 |
| Net interest margin | 2.9655% | 5,571 |
| Noninterest income to average assets | 0.7547% | 2,075 |
| Noninterest expense to average assets | 2.5625% | 4,312 |
| Loan and lease loss provision to assets | 0.1150% | 2,135 |
| Net operating income to assets | 0.6946% | 3,971 |
| Return on assets (ROA) | 0.7138% | 3,970 |
| Pretax return on assets | 0.8825% | 4,066 |
| Return on Equity (ROE) | 6.7092% | 3,846 |
| Retained earnings to average equity (ytd only) | 3.9703% | 3,822 |
| Net charge-offs to loans | 0.0226% | 4,070 |
| Credit loss provision to net charge-offs | 1,058.8235% | 312 |
| Earnings coverage of net charge-offs (x) | 89.6317% | 641 |
| Efficiency ratio | 72.4611% | 3,095 |
| Assets per employee ($millions) | 5.0449% | 2,190 |
| Cash dividends to net income (ytd only)* | 40.8232% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4118% | 719 |
| Loan loss allowance to noncurrent loans | 390.7916% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 3,568 |
| Noncurrent loans to loans | 0.6171% | 4,074 |
| Net loans and leases to total assets | 46.1949% | 5,358 |
| Net loans and leases to deposits | 52.0057% | 5,527 |
| Net loans and leases to core deposits | 52.3042% | 5,670 |
| Total domestic deposits to total assets | 88.8266% | 1,342 |
| Equity capital to assets | 10.6727% | 3,339 |
| Core capital (leverage) ratio | 11.0845% | 2,409 |
| Tier 1 risk-based capital ratio | 22.8557% | 1,140 |
| Total risk-based capital ratio | 24.1226% | 1,115 |
| Memoranda: | ||
| Average total assets | $208,649,000 | 2,915 |
| Average earning assets | $195,714,000 | 2,876 |
| Average equity | $22,197,750 | 2,933 |
| Average total loans | $100,480,250 | 3,440 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0744% | 6,100 |
| Cost of funding earning assets | 0.0667% | 6,556 |
| Net interest margin | 3.0077% | 5,500 |
| Noninterest income to average assets | 0.7525% | 2,033 |
| Noninterest expense to average assets | 2.5167% | 4,533 |
| Loan and lease loss provision to assets | 0.1156% | 2,108 |
| Net operating income to assets | 0.7967% | 3,354 |
| Return on assets (ROA) | 0.8286% | 3,279 |
| Pretax return on assets | 0.9799% | 3,556 |
| Return on Equity (ROE) | 7.7973% | 3,206 |
| Retained earnings to average equity (ytd only) | 3.6629% | 3,859 |
| Net charge-offs to loans | 0.0199% | 3,814 |
| Credit loss provision to net charge-offs | 1,200.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 109.8000% | 521 |
| Efficiency ratio | 70.4043% | 3,591 |
| Assets per employee ($millions) | 4.7817% | 2,498 |
| Cash dividends to net income (ytd only)* | 53.0233% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3484% | 852 |
| Loan loss allowance to noncurrent loans | 306.0802% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 3,834 |
| Noncurrent loans to loans | 0.7672% | 3,789 |
| Net loans and leases to total assets | 48.9885% | 5,078 |
| Net loans and leases to deposits | 55.5879% | 5,229 |
| Net loans and leases to core deposits | 55.9269% | 5,423 |
| Total domestic deposits to total assets | 88.1279% | 1,831 |
| Equity capital to assets | 11.1296% | 2,758 |
| Core capital (leverage) ratio | 10.8207% | 2,604 |
| Tier 1 risk-based capital ratio | 22.6852% | 1,157 |
| Total risk-based capital ratio | 23.9480% | 1,136 |
| Memoranda: | ||
| Average total assets | $207,569,670 | 2,945 |
| Average earning assets | $194,768,000 | 2,898 |
| Average equity | $22,059,000 | 2,941 |
| Average total loans | $100,540,330 | 3,447 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0845% | 6,143 |
| Cost of funding earning assets | 0.0727% | 6,619 |
| Net interest margin | 3.0117% | 5,494 |
| Noninterest income to average assets | 0.7111% | 2,118 |
| Noninterest expense to average assets | 2.5714% | 4,374 |
| Loan and lease loss provision to assets | 0.1138% | 2,056 |
| Net operating income to assets | 0.8211% | 3,049 |
| Return on assets (ROA) | 0.8211% | 3,120 |
| Pretax return on assets | 0.8533% | 3,889 |
| Return on Equity (ROE) | 7.9042% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.9042% | 1,630 |
| Net charge-offs to loans | 0.0637% | 2,515 |
| Credit loss provision to net charge-offs | 375.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 31.8750% | 1,010 |
| Efficiency ratio | 72.6688% | 3,367 |
| Assets per employee ($millions) | 5.0633% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2952% | 1,036 |
| Loan loss allowance to noncurrent loans | 759.0759% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 4,701 |
| Noncurrent loans to loans | 0.3024% | 5,205 |
| Net loans and leases to total assets | 47.1632% | 5,217 |
| Net loans and leases to deposits | 53.1294% | 5,364 |
| Net loans and leases to core deposits | 53.4403% | 5,536 |
| Total domestic deposits to total assets | 88.7704% | 1,794 |
| Equity capital to assets | 10.7012% | 3,040 |
| Core capital (leverage) ratio | 10.4597% | 2,977 |
| Tier 1 risk-based capital ratio | 22.1501% | 1,273 |
| Total risk-based capital ratio | 23.4156% | 1,246 |
| Memoranda: | ||
| Average total assets | $210,938,000 | 2,918 |
| Average earning assets | $198,024,500 | 2,869 |
| Average equity | $21,912,500 | 2,949 |
| Average total loans | $100,435,000 | 3,462 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0896% | 6,254 |
| Cost of funding earning assets | 0.0961% | 6,685 |
| Net interest margin | 2.9935% | 5,590 |
| Noninterest income to average assets | 0.6841% | 2,628 |
| Noninterest expense to average assets | 2.7227% | 4,019 |
| Loan and lease loss provision to assets | 0.0517% | 4,102 |
| Net operating income to assets | 0.5789% | 4,365 |
| Return on assets (ROA) | 0.6047% | 4,360 |
| Pretax return on assets | 0.7372% | 4,392 |
| Return on Equity (ROE) | 5.9329% | 4,125 |
| Retained earnings to average equity (ytd only) | 1.5627% | 5,112 |
| Net charge-offs to loans | 0.0421% | 4,629 |
| Credit loss provision to net charge-offs | 261.9048% | 865 |
| Earnings coverage of net charge-offs (x) | 38.3810% | 978 |
| Efficiency ratio | 78.2368% | 2,434 |
| Assets per employee ($millions) | 4.9833% | 2,194 |
| Cash dividends to net income (ytd only)* | 73.6597% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2412% | 1,122 |
| Loan loss allowance to noncurrent loans | 66.5487% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.9050% | 1,900 |
| Noncurrent loans to loans | 3.3677% | 956 |
| Net loans and leases to total assets | 45.9236% | 5,495 |
| Net loans and leases to deposits | 51.5341% | 5,661 |
| Net loans and leases to core deposits | 52.0995% | 5,794 |
| Total domestic deposits to total assets | 89.1129% | 1,543 |
| Equity capital to assets | 10.0848% | 3,655 |
| Core capital (leverage) ratio | 9.8853% | 3,722 |
| Tier 1 risk-based capital ratio | 21.5597% | 1,325 |
| Total risk-based capital ratio | 22.8240% | 1,303 |
| Memoranda: | ||
| Average total assets | $212,843,800 | 2,883 |
| Average earning assets | $198,797,600 | 2,838 |
| Average equity | $21,692,600 | 2,958 |
| Average total loans | $99,715,000 | 3,453 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1070% | 6,311 |
| Cost of funding earning assets | 0.0942% | 6,775 |
| Net interest margin | 3.0127% | 5,560 |
| Noninterest income to average assets | 0.6727% | 2,765 |
| Noninterest expense to average assets | 2.6768% | 4,106 |
| Loan and lease loss provision to assets | 0.1506% | 2,386 |
| Net operating income to assets | 0.5470% | 4,596 |
| Return on assets (ROA) | 0.5823% | 4,546 |
| Pretax return on assets | 0.6965% | 4,703 |
| Return on Equity (ROE) | 5.6984% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.9720% | 4,550 |
| Net charge-offs to loans | 0.6447% | 950 |
| Credit loss provision to net charge-offs | 49.8960% | 3,505 |
| Earnings coverage of net charge-offs (x) | 2.6673% | 3,945 |
| Efficiency ratio | 76.8787% | 2,581 |
| Assets per employee ($millions) | 4.9350% | 2,256 |
| Cash dividends to net income (ytd only)* | 47.8453% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8626% | 2,107 |
| Loan loss allowance to noncurrent loans | 68.5472% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.6983% | 2,418 |
| Noncurrent loans to loans | 2.7172% | 1,554 |
| Net loans and leases to total assets | 46.1578% | 5,535 |
| Net loans and leases to deposits | 51.8235% | 5,722 |
| Net loans and leases to core deposits | 52.5534% | 5,860 |
| Total domestic deposits to total assets | 89.0673% | 1,520 |
| Equity capital to assets | 10.1015% | 3,766 |
| Core capital (leverage) ratio | 10.7091% | 2,779 |
| Tier 1 risk-based capital ratio | 21.9640% | 1,325 |
| Total risk-based capital ratio | 23.2254% | 1,309 |
| Memoranda: | ||
| Average total assets | $212,484,250 | 2,916 |
| Average earning assets | $198,131,250 | 2,874 |
| Average equity | $21,713,250 | 2,991 |
| Average total loans | $99,478,250 | 3,488 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1162% | 6,324 |
| Cost of funding earning assets | 0.0940% | 6,832 |
| Net interest margin | 3.0222% | 5,512 |
| Noninterest income to average assets | 0.6990% | 2,645 |
| Noninterest expense to average assets | 2.6607% | 4,180 |
| Loan and lease loss provision to assets | 0.1129% | 2,928 |
| Net operating income to assets | 0.5756% | 4,418 |
| Return on assets (ROA) | 0.5984% | 4,475 |
| Pretax return on assets | 0.7677% | 4,434 |
| Return on Equity (ROE) | 5.8333% | 4,264 |
| Retained earnings to average equity (ytd only) | 1.7610% | 5,135 |
| Net charge-offs to loans | 0.0845% | 3,520 |
| Credit loss provision to net charge-offs | 285.7143% | 898 |
| Earnings coverage of net charge-offs (x) | 21.5476% | 1,412 |
| Efficiency ratio | 75.7568% | 2,821 |
| Assets per employee ($millions) | 4.5902% | 2,662 |
| Cash dividends to net income (ytd only)* | 69.8113% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1981% | 1,425 |
| Loan loss allowance to noncurrent loans | 129.4118% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3144% | 3,146 |
| Noncurrent loans to loans | 1.6985% | 2,767 |
| Net loans and leases to total assets | 46.9154% | 5,433 |
| Net loans and leases to deposits | 52.9072% | 5,610 |
| Net loans and leases to core deposits | 53.8276% | 5,767 |
| Total domestic deposits to total assets | 88.6750% | 1,791 |
| Equity capital to assets | 10.2793% | 3,565 |
| Core capital (leverage) ratio | 10.2715% | 3,136 |
| Tier 1 risk-based capital ratio | 21.6225% | 1,362 |
| Total risk-based capital ratio | 22.8871% | 1,330 |
| Memoranda: | ||
| Average total assets | $212,576,670 | 2,933 |
| Average earning assets | $197,870,000 | 2,893 |
| Average equity | $21,805,670 | 3,006 |
| Average total loans | $99,368,000 | 3,507 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0697% | 6,433 |
| Cost of funding earning assets | 0.0875% | 6,922 |
| Net interest margin | 2.9822% | 5,619 |
| Noninterest income to average assets | 0.6364% | 2,953 |
| Noninterest expense to average assets | 2.6032% | 4,397 |
| Loan and lease loss provision to assets | 0.1113% | 2,844 |
| Net operating income to assets | 0.7051% | 3,659 |
| Return on assets (ROA) | 0.7051% | 3,798 |
| Pretax return on assets | 0.7051% | 4,556 |
| Return on Equity (ROE) | 6.8803% | 3,557 |
| Retained earnings to average equity (ytd only) | 6.8803% | 2,213 |
| Net charge-offs to loans | 0.1005% | 2,850 |
| Credit loss provision to net charge-offs | 240.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 17.6000% | 1,306 |
| Efficiency ratio | 76.1259% | 2,902 |
| Assets per employee ($millions) | 4.7011% | 2,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1504% | 1,691 |
| Loan loss allowance to noncurrent loans | 736.2069% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 4,799 |
| Noncurrent loans to loans | 0.2921% | 5,678 |
| Net loans and leases to total assets | 45.9222% | 5,445 |
| Net loans and leases to deposits | 51.7397% | 5,647 |
| Net loans and leases to core deposits | 52.6068% | 5,777 |
| Total domestic deposits to total assets | 88.7563% | 1,825 |
| Equity capital to assets | 10.4685% | 3,573 |
| Core capital (leverage) ratio | 10.1638% | 3,193 |
| Tier 1 risk-based capital ratio | 22.2741% | 1,280 |
| Total risk-based capital ratio | 23.5390% | 1,252 |
| Memoranda: | ||
| Average total assets | $215,584,500 | 2,924 |
| Average earning assets | $201,194,500 | 2,888 |
| Average equity | $22,092,000 | 3,014 |
| Average total loans | $99,508,500 | 3,517 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 6,410 |
| Cost of funding earning assets | 0.1253% | 6,967 |
| Net interest margin | 3.3285% | 5,147 |
| Noninterest income to average assets | 0.7645% | 2,420 |
| Noninterest expense to average assets | 2.7095% | 4,369 |
| Loan and lease loss provision to assets | 0.2655% | 2,520 |
| Net operating income to assets | 0.7276% | 3,611 |
| Return on assets (ROA) | 0.7276% | 3,860 |
| Pretax return on assets | 0.8594% | 4,071 |
| Return on Equity (ROE) | 6.7684% | 3,778 |
| Retained earnings to average equity (ytd only) | 2.4330% | 4,524 |
| Net charge-offs to loans | 0.4074% | 2,628 |
| Credit loss provision to net charge-offs | 127.3585% | 2,213 |
| Earnings coverage of net charge-offs (x) | 5.3962% | 3,052 |
| Efficiency ratio | 70.6629% | 3,682 |
| Assets per employee ($millions) | 4.8804% | 2,381 |
| Cash dividends to net income (ytd only)* | 64.0541% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 1,758 |
| Loan loss allowance to noncurrent loans | 442.1053% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.8292% | 4,398 |
| Noncurrent loans to loans | 0.4763% | 5,332 |
| Net loans and leases to total assets | 44.4559% | 5,773 |
| Net loans and leases to deposits | 49.8499% | 5,968 |
| Net loans and leases to core deposits | 50.7324% | 6,105 |
| Total domestic deposits to total assets | 89.1795% | 1,448 |
| Equity capital to assets | 10.0346% | 4,121 |
| Core capital (leverage) ratio | 9.8073% | 3,648 |
| Tier 1 risk-based capital ratio | 21.8643% | 1,287 |
| Total risk-based capital ratio | 23.1249% | 1,255 |
| Memoranda: | ||
| Average total assets | $203,396,200 | 3,007 |
| Average earning assets | $187,589,400 | 2,992 |
| Average equity | $21,866,400 | 2,993 |
| Average total loans | $104,069,400 | 3,427 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5436% | 6,459 |
| Cost of funding earning assets | 0.1295% | 7,075 |
| Net interest margin | 3.4141% | 4,985 |
| Noninterest income to average assets | 0.7879% | 2,290 |
| Noninterest expense to average assets | 2.8607% | 3,744 |
| Loan and lease loss provision to assets | 0.1204% | 4,044 |
| Net operating income to assets | 0.8040% | 3,433 |
| Return on assets (ROA) | 0.8040% | 3,675 |
| Pretax return on assets | 0.9451% | 3,937 |
| Return on Equity (ROE) | 7.3436% | 3,615 |
| Retained earnings to average equity (ytd only) | 4.6310% | 3,640 |
| Net charge-offs to loans | 0.3525% | 2,695 |
| Credit loss provision to net charge-offs | 64.7482% | 4,036 |
| Earnings coverage of net charge-offs (x) | 5.7302% | 2,943 |
| Efficiency ratio | 72.8620% | 3,175 |
| Assets per employee ($millions) | 5.1685% | 1,970 |
| Cash dividends to net income (ytd only)* | 36.9387% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9863% | 2,203 |
| Loan loss allowance to noncurrent loans | 80.3357% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.4601% | 3,413 |
| Noncurrent loans to loans | 2.4725% | 2,328 |
| Net loans and leases to total assets | 46.8043% | 5,678 |
| Net loans and leases to deposits | 52.7743% | 5,910 |
| Net loans and leases to core deposits | 53.6792% | 6,071 |
| Total domestic deposits to total assets | 88.6877% | 1,603 |
| Equity capital to assets | 10.4898% | 3,858 |
| Core capital (leverage) ratio | 10.6177% | 2,781 |
| Tier 1 risk-based capital ratio | 21.8376% | 1,359 |
| Total risk-based capital ratio | 23.0976% | 1,330 |
| Memoranda: | ||
| Average total assets | $199,340,250 | 3,084 |
| Average earning assets | $183,237,750 | 3,076 |
| Average equity | $21,823,500 | 3,016 |
| Average total loans | $105,153,250 | 3,426 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 6,446 |
| Cost of funding earning assets | 0.1402% | 7,133 |
| Net interest margin | 3.4920% | 4,705 |
| Noninterest income to average assets | 0.8260% | 2,073 |
| Noninterest expense to average assets | 2.9936% | 3,279 |
| Loan and lease loss provision to assets | 0.1230% | 3,987 |
| Net operating income to assets | 0.7604% | 3,554 |
| Return on assets (ROA) | 0.7604% | 3,825 |
| Pretax return on assets | 0.8998% | 4,079 |
| Return on Equity (ROE) | 6.8424% | 3,859 |
| Retained earnings to average equity (ytd only) | 2.7480% | 4,791 |
| Net charge-offs to loans | 0.3888% | 2,464 |
| Credit loss provision to net charge-offs | 57.9710% | 3,855 |
| Earnings coverage of net charge-offs (x) | 4.8213% | 2,981 |
| Efficiency ratio | 74.5343% | 2,985 |
| Assets per employee ($millions) | 5.0146% | 2,168 |
| Cash dividends to net income (ytd only)* | 59.8383% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 2,414 |
| Loan loss allowance to noncurrent loans | 103.8541% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0063% | 4,361 |
| Noncurrent loans to loans | 1.8677% | 3,122 |
| Net loans and leases to total assets | 49.6941% | 5,390 |
| Net loans and leases to deposits | 56.1984% | 5,626 |
| Net loans and leases to core deposits | 57.5637% | 5,805 |
| Total domestic deposits to total assets | 88.4261% | 1,866 |
| Equity capital to assets | 10.5447% | 3,631 |
| Core capital (leverage) ratio | 10.5811% | 2,728 |
| Tier 1 risk-based capital ratio | 20.3266% | 1,633 |
| Total risk-based capital ratio | 21.5855% | 1,598 |
| Memoranda: | ||
| Average total assets | $195,150,330 | 3,151 |
| Average earning assets | $178,292,330 | 3,157 |
| Average equity | $21,688,330 | 3,020 |
| Average total loans | $106,473,330 | 3,415 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 6,189 |
| Cost of funding earning assets | 0.1468% | 7,199 |
| Net interest margin | 3.6813% | 3,917 |
| Noninterest income to average assets | 0.7140% | 2,589 |
| Noninterest expense to average assets | 3.1360% | 2,801 |
| Loan and lease loss provision to assets | 0.1264% | 3,764 |
| Net operating income to assets | 0.7793% | 3,478 |
| Return on assets (ROA) | 0.7793% | 3,717 |
| Pretax return on assets | 0.7793% | 4,492 |
| Return on Equity (ROE) | 6.8226% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.8226% | 2,518 |
| Net charge-offs to loans | 0.6951% | 1,435 |
| Credit loss provision to net charge-offs | 32.0856% | 3,590 |
| Earnings coverage of net charge-offs (x) | 2.2995% | 3,247 |
| Efficiency ratio | 77.5925% | 2,552 |
| Assets per employee ($millions) | 4.8823% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 2,322 |
| Loan loss allowance to noncurrent loans | 98.7907% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.3810% | 3,805 |
| Noncurrent loans to loans | 2.0369% | 3,102 |
| Net loans and leases to total assets | 52.9617% | 4,889 |
| Net loans and leases to deposits | 60.1407% | 5,128 |
| Net loans and leases to core deposits | 63.4236% | 5,180 |
| Total domestic deposits to total assets | 88.0630% | 2,273 |
| Equity capital to assets | 11.1587% | 2,748 |
| Core capital (leverage) ratio | 10.9160% | 2,328 |
| Tier 1 risk-based capital ratio | 20.6531% | 1,551 |
| Total risk-based capital ratio | 21.9134% | 1,521 |
| Memoranda: | ||
| Average total assets | $189,925,500 | 3,233 |
| Average earning assets | $171,679,500 | 3,259 |
| Average equity | $21,692,500 | 3,010 |
| Average total loans | $107,614,000 | 3,420 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 6,088 |
| Cost of funding earning assets | 0.1955% | 7,242 |
| Net interest margin | 3.9926% | 2,921 |
| Noninterest income to average assets | 0.7178% | 2,506 |
| Noninterest expense to average assets | 3.0105% | 3,557 |
| Loan and lease loss provision to assets | 0.2215% | 3,982 |
| Net operating income to assets | 0.8427% | 2,866 |
| Return on assets (ROA) | 0.8245% | 3,098 |
| Pretax return on assets | 1.0492% | 3,036 |
| Return on Equity (ROE) | 7.2956% | 3,249 |
| Retained earnings to average equity (ytd only) | 2.6491% | 4,344 |
| Net charge-offs to loans | 0.2574% | 4,166 |
| Credit loss provision to net charge-offs | 142.1233% | 2,049 |
| Earnings coverage of net charge-offs (x) | 8.3014% | 2,170 |
| Efficiency ratio | 69.9442% | 3,971 |
| Assets per employee ($millions) | 4.5014% | 2,909 |
| Cash dividends to net income (ytd only)* | 63.6893% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0524% | 2,119 |
| Loan loss allowance to noncurrent loans | 90.0400% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.5534% | 3,618 |
| Noncurrent loans to loans | 2.2795% | 2,871 |
| Net loans and leases to total assets | 58.2052% | 4,333 |
| Net loans and leases to deposits | 66.8344% | 4,618 |
| Net loans and leases to core deposits | 74.8509% | 4,122 |
| Total domestic deposits to total assets | 87.0887% | 2,712 |
| Equity capital to assets | 11.6998% | 2,341 |
| Core capital (leverage) ratio | 10.9130% | 2,338 |
| Tier 1 risk-based capital ratio | 19.9401% | 1,658 |
| Total risk-based capital ratio | 21.2014% | 1,629 |
| Memoranda: | ||
| Average total assets | $187,377,200 | 3,226 |
| Average earning assets | $168,313,000 | 3,272 |
| Average equity | $21,177,200 | 2,992 |
| Average total loans | $113,439,000 | 3,303 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 6,285 |
| Cost of funding earning assets | 0.2034% | 7,324 |
| Net interest margin | 3.9626% | 3,089 |
| Noninterest income to average assets | 0.7167% | 2,496 |
| Noninterest expense to average assets | 2.9263% | 3,813 |
| Loan and lease loss provision to assets | 0.1276% | 4,837 |
| Net operating income to assets | 0.9875% | 2,368 |
| Return on assets (ROA) | 0.9875% | 2,520 |
| Pretax return on assets | 1.2257% | 2,537 |
| Return on Equity (ROE) | 8.8135% | 2,687 |
| Retained earnings to average equity (ytd only) | 5.7765% | 2,692 |
| Net charge-offs to loans | 0.2483% | 3,879 |
| Credit loss provision to net charge-offs | 84.5070% | 3,982 |
| Earnings coverage of net charge-offs (x) | 8.9625% | 2,104 |
| Efficiency ratio | 68.3783% | 4,243 |
| Assets per employee ($millions) | 4.8036% | 2,465 |
| Cash dividends to net income (ytd only)* | 34.4577% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8778% | 2,683 |
| Loan loss allowance to noncurrent loans | 67.6898% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.7492% | 3,473 |
| Noncurrent loans to loans | 2.7741% | 2,508 |
| Net loans and leases to total assets | 56.9739% | 4,691 |
| Net loans and leases to deposits | 64.7817% | 5,077 |
| Net loans and leases to core deposits | 67.5728% | 5,228 |
| Total domestic deposits to total assets | 87.9476% | 2,060 |
| Equity capital to assets | 11.4326% | 2,747 |
| Core capital (leverage) ratio | 11.5956% | 1,961 |
| Tier 1 risk-based capital ratio | 19.5341% | 1,810 |
| Total risk-based capital ratio | 20.7925% | 1,774 |
| Memoranda: | ||
| Average total assets | $188,081,750 | 3,228 |
| Average earning assets | $169,109,750 | 3,270 |
| Average equity | $21,073,250 | 2,998 |
| Average total loans | $114,380,250 | 3,315 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2345% | 6,206 |
| Cost of funding earning assets | 0.2257% | 7,392 |
| Net interest margin | 4.0088% | 2,795 |
| Noninterest income to average assets | 0.7401% | 2,323 |
| Noninterest expense to average assets | 3.0108% | 3,599 |
| Loan and lease loss provision to assets | 0.1285% | 4,682 |
| Net operating income to assets | 0.8558% | 2,835 |
| Return on assets (ROA) | 0.8558% | 2,926 |
| Pretax return on assets | 1.2157% | 2,418 |
| Return on Equity (ROE) | 7.6918% | 3,103 |
| Retained earnings to average equity (ytd only) | 3.0710% | 4,318 |
| Net charge-offs to loans | 0.2116% | 3,875 |
| Credit loss provision to net charge-offs | 98.3607% | 3,206 |
| Earnings coverage of net charge-offs (x) | 10.2869% | 1,825 |
| Efficiency ratio | 69.1343% | 4,302 |
| Assets per employee ($millions) | 4.1243% | 3,501 |
| Cash dividends to net income (ytd only)* | 60.0751% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 2,802 |
| Loan loss allowance to noncurrent loans | 52.0568% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 2.2355% | 2,936 |
| Noncurrent loans to loans | 3.5707% | 1,981 |
| Net loans and leases to total assets | 60.4812% | 4,188 |
| Net loans and leases to deposits | 68.9107% | 4,576 |
| Net loans and leases to core deposits | 71.6762% | 4,854 |
| Total domestic deposits to total assets | 87.7675% | 2,305 |
| Equity capital to assets | 11.3494% | 2,646 |
| Core capital (leverage) ratio | 11.0440% | 2,209 |
| Tier 1 risk-based capital ratio | 19.0176% | 1,844 |
| Total risk-based capital ratio | 20.2763% | 1,799 |
| Memoranda: | ||
| Average total assets | $186,727,670 | 3,271 |
| Average earning assets | $168,378,000 | 3,305 |
| Average equity | $20,775,330 | 3,028 |
| Average total loans | $115,318,000 | 3,333 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 6,326 |
| Cost of funding earning assets | 0.2660% | 7,420 |
| Net interest margin | 3.9128% | 3,076 |
| Noninterest income to average assets | 0.6984% | 2,584 |
| Noninterest expense to average assets | 3.0433% | 3,474 |
| Loan and lease loss provision to assets | 0.1281% | 4,390 |
| Net operating income to assets | 1.0764% | 1,921 |
| Return on assets (ROA) | 1.0764% | 1,971 |
| Pretax return on assets | 1.0764% | 2,845 |
| Return on Equity (ROE) | 9.7717% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.7717% | 1,166 |
| Net charge-offs to loans | 0.3731% | 2,574 |
| Credit loss provision to net charge-offs | 55.5556% | 3,635 |
| Earnings coverage of net charge-offs (x) | 5.2222% | 2,313 |
| Efficiency ratio | 71.6440% | 3,934 |
| Assets per employee ($millions) | 4.6584% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8232% | 2,942 |
| Loan loss allowance to noncurrent loans | 54.2775% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 2.0414% | 3,270 |
| Noncurrent loans to loans | 3.3591% | 2,228 |
| Net loans and leases to total assets | 58.6710% | 4,517 |
| Net loans and leases to deposits | 66.3293% | 4,924 |
| Net loans and leases to core deposits | 70.4958% | 4,979 |
| Total domestic deposits to total assets | 88.4541% | 2,105 |
| Equity capital to assets | 10.9380% | 2,751 |
| Core capital (leverage) ratio | 10.9784% | 2,212 |
| Tier 1 risk-based capital ratio | 19.0933% | 1,779 |
| Total risk-based capital ratio | 20.3512% | 1,740 |
| Memoranda: | ||
| Average total assets | $187,294,000 | 3,281 |
| Average earning assets | $169,905,000 | 3,305 |
| Average equity | $20,631,000 | 3,033 |
| Average total loans | $115,789,000 | 3,345 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 6,067 |
| Cost of funding earning assets | 0.3870% | 7,437 |
| Net interest margin | 4.2279% | 2,064 |
| Noninterest income to average assets | 0.6622% | 3,068 |
| Noninterest expense to average assets | 3.3069% | 2,721 |
| Loan and lease loss provision to assets | 0.1286% | 5,879 |
| Net operating income to assets | 0.8616% | 2,546 |
| Return on assets (ROA) | 0.8606% | 2,694 |
| Pretax return on assets | 1.0718% | 2,696 |
| Return on Equity (ROE) | 6.2290% | 3,495 |
| Retained earnings to average equity (ytd only) | 2.1123% | 4,404 |
| Net charge-offs to loans | 0.0727% | 6,071 |
| Credit loss provision to net charge-offs | 267.6056% | 1,040 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 844 |
| Efficiency ratio | 73.3443% | 3,517 |
| Assets per employee ($millions) | 4.4779% | 2,911 |
| Cash dividends to net income (ytd only)* | 66.0897% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8120% | 2,826 |
| Loan loss allowance to noncurrent loans | 68.2708% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.7332% | 3,701 |
| Noncurrent loans to loans | 2.6541% | 2,863 |
| Net loans and leases to total assets | 62.8076% | 4,112 |
| Net loans and leases to deposits | 71.3699% | 4,628 |
| Net loans and leases to core deposits | 79.5298% | 4,270 |
| Total domestic deposits to total assets | 88.0029% | 2,250 |
| Equity capital to assets | 11.0957% | 2,603 |
| Core capital (leverage) ratio | 10.7266% | 2,360 |
| Tier 1 risk-based capital ratio | 18.4454% | 1,859 |
| Total risk-based capital ratio | 19.7036% | 1,819 |
| Memoranda: | ||
| Average total assets | $147,693,400 | 3,915 |
| Average earning assets | $134,370,800 | 3,922 |
| Average equity | $20,404,600 | 3,090 |
| Average total loans | $97,727,600 | 3,862 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 6,285 |
| Cost of funding earning assets | 0.3936% | 7,577 |
| Net interest margin | 4.2259% | 2,119 |
| Noninterest income to average assets | 0.6286% | 3,264 |
| Noninterest expense to average assets | 3.1622% | 3,059 |
| Loan and lease loss provision to assets | 0.1250% | 5,782 |
| Net operating income to assets | 0.9276% | 2,504 |
| Return on assets (ROA) | 0.9314% | 2,621 |
| Pretax return on assets | 1.1957% | 2,504 |
| Return on Equity (ROE) | 6.3292% | 3,667 |
| Retained earnings to average equity (ytd only) | 3.8210% | 3,769 |
| Net charge-offs to loans | 0.0934% | 5,593 |
| Credit loss provision to net charge-offs | 200.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 21.0627% | 1,145 |
| Efficiency ratio | 70.6160% | 3,954 |
| Assets per employee ($millions) | 4.4257% | 3,033 |
| Cash dividends to net income (ytd only)* | 39.6286% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2390% | 1,724 |
| Loan loss allowance to noncurrent loans | 71.5419% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 2.0470% | 3,410 |
| Noncurrent loans to loans | 3.1297% | 2,548 |
| Net loans and leases to total assets | 63.9425% | 4,138 |
| Net loans and leases to deposits | 75.7417% | 4,224 |
| Net loans and leases to core deposits | 79.6930% | 4,565 |
| Total domestic deposits to total assets | 84.4218% | 3,911 |
| Equity capital to assets | 14.7492% | 956 |
| Core capital (leverage) ratio | 14.8461% | 744 |
| Tier 1 risk-based capital ratio | 24.4141% | 901 |
| Total risk-based capital ratio | 25.6797% | 885 |
| Memoranda: | ||
| Average total assets | $138,718,250 | 4,129 |
| Average earning assets | $126,360,500 | 4,150 |
| Average equity | $20,413,000 | 3,135 |
| Average total loans | $92,799,750 | 4,057 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 6,488 |
| Cost of funding earning assets | 0.4128% | 7,647 |
| Net interest margin | 4.1755% | 2,241 |
| Noninterest income to average assets | 0.6403% | 3,062 |
| Noninterest expense to average assets | 3.0751% | 3,414 |
| Loan and lease loss provision to assets | 0.1234% | 5,659 |
| Net operating income to assets | 1.0380% | 2,054 |
| Return on assets (ROA) | 1.0439% | 2,106 |
| Pretax return on assets | 1.2675% | 2,194 |
| Return on Equity (ROE) | 7.0996% | 3,258 |
| Retained earnings to average equity (ytd only) | 3.3079% | 4,001 |
| Net charge-offs to loans | 0.1422% | 4,802 |
| Credit loss provision to net charge-offs | 128.7879% | 3,120 |
| Earnings coverage of net charge-offs (x) | 14.4394% | 1,521 |
| Efficiency ratio | 68.9678% | 4,386 |
| Assets per employee ($millions) | 4.5089% | 2,862 |
| Cash dividends to net income (ytd only)* | 53.4075% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1779% | 1,808 |
| Loan loss allowance to noncurrent loans | 130.5019% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 1.1118% | 4,913 |
| Noncurrent loans to loans | 1.6689% | 4,190 |
| Net loans and leases to total assets | 65.1671% | 4,007 |
| Net loans and leases to deposits | 77.3322% | 4,109 |
| Net loans and leases to core deposits | 82.9113% | 4,294 |
| Total domestic deposits to total assets | 84.2691% | 3,977 |
| Equity capital to assets | 14.6527% | 962 |
| Core capital (leverage) ratio | 14.3008% | 855 |
| Tier 1 risk-based capital ratio | 24.2341% | 919 |
| Total risk-based capital ratio | 25.4987% | 894 |
| Memoranda: | ||
| Average total assets | $137,750,670 | 4,179 |
| Average earning assets | $125,972,000 | 4,183 |
| Average equity | $20,254,670 | 3,142 |
| Average total loans | $92,856,330 | 4,083 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5223% | 6,745 |
| Cost of funding earning assets | 0.4383% | 7,747 |
| Net interest margin | 4.0840% | 2,514 |
| Noninterest income to average assets | 0.5646% | 3,527 |
| Noninterest expense to average assets | 3.2120% | 2,813 |
| Loan and lease loss provision to assets | 0.1170% | 5,436 |
| Net operating income to assets | 0.8103% | 2,917 |
| Return on assets (ROA) | 0.8103% | 3,013 |
| Pretax return on assets | 0.9975% | 3,103 |
| Return on Equity (ROE) | 5.5011% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.5011% | 2,863 |
| Net charge-offs to loans | 0.0604% | 4,810 |
| Credit loss provision to net charge-offs | 285.7143% | 1,373 |
| Earnings coverage of net charge-offs (x) | 27.2143% | 939 |
| Efficiency ratio | 74.2394% | 3,540 |
| Assets per employee ($millions) | 4.1451% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1970% | 1,761 |
| Loan loss allowance to noncurrent loans | 133.1806% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 1.0842% | 4,976 |
| Noncurrent loans to loans | 1.6496% | 4,275 |
| Net loans and leases to total assets | 64.2804% | 4,268 |
| Net loans and leases to deposits | 75.7967% | 4,452 |
| Net loans and leases to core deposits | 85.1190% | 4,031 |
| Total domestic deposits to total assets | 84.8064% | 3,755 |
| Equity capital to assets | 14.3557% | 1,050 |
| Core capital (leverage) ratio | 14.6509% | 814 |
| Tier 1 risk-based capital ratio | 24.2835% | 938 |
| Total risk-based capital ratio | 25.5482% | 916 |
| Memoranda: | ||
| Average total assets | $136,738,000 | 4,255 |
| Average earning assets | $125,954,500 | 4,244 |
| Average equity | $20,141,500 | 3,187 |
| Average total loans | $92,726,500 | 4,145 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 6,327 |
| Cost of funding earning assets | 0.4930% | 7,838 |
| Net interest margin | 4.5405% | 1,096 |
| Noninterest income to average assets | 0.6068% | 3,577 |
| Noninterest expense to average assets | 3.1688% | 3,480 |
| Loan and lease loss provision to assets | 0.1203% | 6,440 |
| Net operating income to assets | 1.1393% | 1,413 |
| Return on assets (ROA) | 1.1393% | 1,442 |
| Pretax return on assets | 1.4799% | 1,234 |
| Return on Equity (ROE) | 7.6538% | 2,515 |
| Retained earnings to average equity (ytd only) | 3.6526% | 2,631 |
| Net charge-offs to loans | 0.1741% | 5,559 |
| Credit loss provision to net charge-offs | 98.1595% | 5,674 |
| Earnings coverage of net charge-offs (x) | 13.0552% | 1,454 |
| Efficiency ratio | 66.4459% | 5,299 |
| Assets per employee ($millions) | 4.1419% | 3,537 |
| Cash dividends to net income (ytd only)* | 52.2772% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1643% | 1,709 |
| Loan loss allowance to noncurrent loans | 199.5035% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7598% | 5,586 |
| Noncurrent loans to loans | 1.0848% | 5,150 |
| Net loans and leases to total assets | 68.5187% | 3,588 |
| Net loans and leases to deposits | 81.9062% | 3,633 |
| Net loans and leases to core deposits | 102.2645% | 3,777 |
| Total domestic deposits to total assets | 83.6550% | 4,202 |
| Equity capital to assets | 15.1280% | 882 |
| Core capital (leverage) ratio | 14.5936% | 861 |
| Tier 1 risk-based capital ratio | 24.3625% | 916 |
| Total risk-based capital ratio | 25.6270% | 892 |
| Memoranda: | ||
| Average total assets | $132,982,200 | 4,277 |
| Average earning assets | $121,904,000 | 4,265 |
| Average equity | $19,794,000 | 3,236 |
| Average total loans | $93,627,600 | 4,114 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0300% | 6,510 |
| Cost of funding earning assets | 0.4909% | 7,946 |
| Net interest margin | 4.5391% | 1,098 |
| Noninterest income to average assets | 0.5900% | 3,781 |
| Noninterest expense to average assets | 3.2268% | 3,206 |
| Loan and lease loss provision to assets | 0.0902% | 6,468 |
| Net operating income to assets | 1.0879% | 1,775 |
| Return on assets (ROA) | 1.0879% | 1,831 |
| Pretax return on assets | 1.4326% | 1,618 |
| Return on Equity (ROE) | 7.3390% | 2,931 |
| Retained earnings to average equity (ytd only) | 4.9873% | 2,499 |
| Net charge-offs to loans | 0.1336% | 5,362 |
| Credit loss provision to net charge-offs | 95.7447% | 5,311 |
| Earnings coverage of net charge-offs (x) | 16.1703% | 1,484 |
| Efficiency ratio | 67.9393% | 4,992 |
| Assets per employee ($millions) | 4.3549% | 3,112 |
| Cash dividends to net income (ytd only)* | 32.0444% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1326% | 1,540 |
| Loan loss allowance to noncurrent loans | 126.2893% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 1.2607% | 4,545 |
| Noncurrent loans to loans | 1.6887% | 4,110 |
| Net loans and leases to total assets | 68.2570% | 3,901 |
| Net loans and leases to deposits | 81.0907% | 4,183 |
| Net loans and leases to core deposits | 96.3267% | 4,772 |
| Total domestic deposits to total assets | 84.1737% | 3,644 |
| Equity capital to assets | 14.9663% | 1,009 |
| Core capital (leverage) ratio | 15.0387% | 849 |
| Tier 1 risk-based capital ratio | 24.1897% | 985 |
| Total risk-based capital ratio | 25.4540% | 957 |
| Memoranda: | ||
| Average total assets | $133,092,250 | 4,297 |
| Average earning assets | $121,959,000 | 4,299 |
| Average equity | $19,729,750 | 3,281 |
| Average total loans | $93,828,250 | 4,150 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 6,467 |
| Cost of funding earning assets | 0.5157% | 8,037 |
| Net interest margin | 4.5767% | 1,003 |
| Noninterest income to average assets | 0.5813% | 3,831 |
| Noninterest expense to average assets | 3.2283% | 3,243 |
| Loan and lease loss provision to assets | 0.0906% | 6,265 |
| Net operating income to assets | 1.0630% | 1,905 |
| Return on assets (ROA) | 1.0630% | 1,978 |
| Pretax return on assets | 1.4571% | 1,572 |
| Return on Equity (ROE) | 7.1942% | 3,115 |
| Retained earnings to average equity (ytd only) | 3.6380% | 3,278 |
| Net charge-offs to loans | 0.0235% | 6,163 |
| Credit loss provision to net charge-offs | 545.4545% | 852 |
| Earnings coverage of net charge-offs (x) | 93.1818% | 411 |
| Efficiency ratio | 67.5941% | 5,229 |
| Assets per employee ($millions) | 3.8277% | 4,031 |
| Cash dividends to net income (ytd only)* | 49.4318% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2075% | 1,234 |
| Loan loss allowance to noncurrent loans | 134.4423% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1779% | 4,587 |
| Noncurrent loans to loans | 1.6420% | 4,033 |
| Net loans and leases to total assets | 70.1544% | 3,665 |
| Net loans and leases to deposits | 83.8185% | 3,915 |
| Net loans and leases to core deposits | 96.3568% | 4,862 |
| Total domestic deposits to total assets | 83.6979% | 3,920 |
| Equity capital to assets | 15.1380% | 1,001 |
| Core capital (leverage) ratio | 14.5618% | 1,009 |
| Tier 1 risk-based capital ratio | 24.1461% | 1,018 |
| Total risk-based capital ratio | 25.4119% | 1,000 |
| Memoranda: | ||
| Average total assets | $132,455,330 | 4,338 |
| Average earning assets | $121,398,670 | 4,332 |
| Average equity | $19,571,330 | 3,312 |
| Average total loans | $93,718,670 | 4,179 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0462% | 6,807 |
| Cost of funding earning assets | 0.5271% | 8,087 |
| Net interest margin | 4.5191% | 1,084 |
| Noninterest income to average assets | 0.4760% | 4,544 |
| Noninterest expense to average assets | 3.2003% | 2,985 |
| Loan and lease loss provision to assets | 0.0898% | 5,815 |
| Net operating income to assets | 1.0418% | 2,159 |
| Return on assets (ROA) | 1.0418% | 2,290 |
| Pretax return on assets | 1.3442% | 2,138 |
| Return on Equity (ROE) | 7.1361% | 3,540 |
| Retained earnings to average equity (ytd only) | 7.1361% | 2,165 |
| Net charge-offs to loans | 0.0213% | 5,262 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 95.8000% | 445 |
| Efficiency ratio | 69.0568% | 4,768 |
| Assets per employee ($millions) | 3.8249% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1591% | 1,127 |
| Loan loss allowance to noncurrent loans | 183.3483% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.8299% | 5,110 |
| Noncurrent loans to loans | 1.1776% | 4,624 |
| Net loans and leases to total assets | 68.9542% | 3,928 |
| Net loans and leases to deposits | 81.6742% | 4,332 |
| Net loans and leases to core deposits | 100.3337% | 4,506 |
| Total domestic deposits to total assets | 84.4259% | 3,500 |
| Equity capital to assets | 14.7113% | 1,180 |
| Core capital (leverage) ratio | 14.3002% | 1,130 |
| Tier 1 risk-based capital ratio | 23.9362% | 1,092 |
| Total risk-based capital ratio | 25.2013% | 1,061 |
| Memoranda: | ||
| Average total assets | $133,611,500 | 4,331 |
| Average earning assets | $122,943,500 | 4,306 |
| Average equity | $19,506,500 | 3,343 |
| Average total loans | $93,897,000 | 4,217 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7418% | 6,634 |
| Cost of funding earning assets | 0.7746% | 8,126 |
| Net interest margin | 4.9672% | 550 |
| Noninterest income to average assets | 0.5808% | 3,999 |
| Noninterest expense to average assets | 3.1021% | 3,686 |
| Loan and lease loss provision to assets | 0.0911% | 6,238 |
| Net operating income to assets | 1.2694% | 1,567 |
| Return on assets (ROA) | 1.2694% | 1,516 |
| Pretax return on assets | 1.8957% | 771 |
| Return on Equity (ROE) | 8.6930% | 2,756 |
| Retained earnings to average equity (ytd only) | 1.2062% | 4,506 |
| Net charge-offs to loans | -0.0022% | 7,746 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9578% | 6,170 |
| Assets per employee ($millions) | 3.9221% | 3,675 |
| Cash dividends to net income (ytd only)* | 86.1244% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1531% | 999 |
| Loan loss allowance to noncurrent loans | 384.7036% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 6,059 |
| Noncurrent loans to loans | 0.5597% | 5,687 |
| Net loans and leases to total assets | 68.5669% | 4,348 |
| Net loans and leases to deposits | 81.5388% | 4,788 |
| Net loans and leases to core deposits | 95.7866% | 5,274 |
| Total domestic deposits to total assets | 84.0911% | 3,282 |
| Equity capital to assets | 14.4871% | 1,300 |
| Core capital (leverage) ratio | 14.2948% | 1,191 |
| Tier 1 risk-based capital ratio | 23.7746% | 1,113 |
| Total risk-based capital ratio | 25.0404% | 1,087 |
| Memoranda: | ||
| Average total assets | $131,716,200 | 4,239 |
| Average earning assets | $119,543,800 | 4,271 |
| Average equity | $19,233,800 | 3,356 |
| Average total loans | $91,904,600 | 4,161 |