Home > Bankers' Bank of Kansas > Performance and Condition Ratios
Bankers' Bank of Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8939% | 244 |
| Cost of funding earning assets | 1.8615% | 1,137 |
| Net interest margin | 5.0324% | 306 |
| Noninterest income to average assets | 3.8700% | 154 |
| Noninterest expense to average assets | 7.2990% | 139 |
| Loan and lease loss provision to assets | 0.3900% | 250 |
| Net operating income to assets | 0.5833% | 3,481 |
| Return on assets (ROA) | 0.6003% | 3,430 |
| Pretax return on assets | 0.7529% | 3,332 |
| Return on Equity (ROE) | 3.5300% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.5339% | 3,108 |
| Net charge-offs to loans | 0.5387% | 188 |
| Credit loss provision to net charge-offs | 105.2778% | 1,793 |
| Earnings coverage of net charge-offs (x) | 3.0111% | 2,664 |
| Efficiency ratio | 86.6461% | 530 |
| Assets per employee ($millions) | 4.4247% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9585% | 410 |
| Loan loss allowance to noncurrent loans | 740.0545% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 2,377 |
| Noncurrent loans to loans | 0.2646% | 2,235 |
| Net loans and leases to total assets | 64.0200% | 2,459 |
| Net loans and leases to deposits | 108.7644% | 224 |
| Net loans and leases to core deposits | 168.9145% | 121 |
| Total domestic deposits to total assets | 58.8600% | 4,448 |
| Equity capital to assets | 15.5731% | 503 |
| Core capital (leverage) ratio | 16.2560% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2120% | 527 |
| Memoranda: | ||
| Average total assets | $192,725,600 | 3,032 |
| Average earning assets | $174,428,600 | 3,058 |
| Average equity | $32,740,000 | 2,153 |
| Average total loans | $133,664,000 | 2,831 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8739% | 217 |
| Cost of funding earning assets | 1.7413% | 1,107 |
| Net interest margin | 5.1326% | 272 |
| Noninterest income to average assets | 3.8700% | 158 |
| Noninterest expense to average assets | 7.4669% | 138 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 0.5364% | 3,691 |
| Return on assets (ROA) | 0.5495% | 3,651 |
| Pretax return on assets | 0.6872% | 3,577 |
| Return on Equity (ROE) | 3.1600% | 4,086 |
| Retained earnings to average equity (ytd only) | 3.1601% | 3,474 |
| Net charge-offs to loans | 0.4934% | 176 |
| Credit loss provision to net charge-offs | 108.1633% | 1,562 |
| Earnings coverage of net charge-offs (x) | 3.0102% | 2,453 |
| Efficiency ratio | 87.7012% | 450 |
| Assets per employee ($millions) | 3.7915% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 407 |
| Loan loss allowance to noncurrent loans | 813.7725% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 2,410 |
| Noncurrent loans to loans | 0.2428% | 2,376 |
| Net loans and leases to total assets | 71.1300% | 1,678 |
| Net loans and leases to deposits | 103.2804% | 378 |
| Net loans and leases to core deposits | 156.5022% | 120 |
| Total domestic deposits to total assets | 68.8700% | 4,351 |
| Equity capital to assets | 17.2196% | 384 |
| Core capital (leverage) ratio | 16.2656% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9861% | 552 |
| Memoranda: | ||
| Average total assets | $187,810,750 | 3,077 |
| Average earning assets | $169,758,750 | 3,103 |
| Average equity | $32,656,250 | 2,144 |
| Average total loans | $132,410,750 | 2,843 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5729% | 242 |
| Cost of funding earning assets | 1.4559% | 1,323 |
| Net interest margin | 5.1170% | 266 |
| Noninterest income to average assets | 3.8000% | 152 |
| Noninterest expense to average assets | 7.4382% | 137 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 0.5215% | 3,762 |
| Return on assets (ROA) | 0.5341% | 3,747 |
| Pretax return on assets | 0.6751% | 3,654 |
| Return on Equity (ROE) | 3.0600% | 4,147 |
| Retained earnings to average equity (ytd only) | 3.0618% | 3,461 |
| Net charge-offs to loans | 0.4606% | 182 |
| Credit loss provision to net charge-offs | 102.9900% | 1,421 |
| Earnings coverage of net charge-offs (x) | 3.0797% | 2,278 |
| Efficiency ratio | 88.2510% | 415 |
| Assets per employee ($millions) | 4.1876% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 410 |
| Loan loss allowance to noncurrent loans | 952.8369% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 2,568 |
| Noncurrent loans to loans | 0.2109% | 2,416 |
| Net loans and leases to total assets | 65.1900% | 2,250 |
| Net loans and leases to deposits | 114.5944% | 141 |
| Net loans and leases to core deposits | 168.4640% | 84 |
| Total domestic deposits to total assets | 56.8900% | 4,498 |
| Equity capital to assets | 16.3624% | 413 |
| Core capital (leverage) ratio | 16.9818% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7384% | 504 |
| Memoranda: | ||
| Average total assets | $187,222,667 | 3,085 |
| Average earning assets | $169,241,333 | 3,114 |
| Average equity | $32,660,333 | 2,156 |
| Average total loans | $130,692,667 | 2,857 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4621% | 189 |
| Cost of funding earning assets | 1.1657% | 1,548 |
| Net interest margin | 5.2963% | 201 |
| Noninterest income to average assets | 3.8700% | 150 |
| Noninterest expense to average assets | 7.5616% | 141 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.6262% | 3,645 |
| Return on assets (ROA) | 0.6455% | 3,557 |
| Pretax return on assets | 0.8340% | 3,382 |
| Return on Equity (ROE) | 3.5800% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.5765% | 3,377 |
| Net charge-offs to loans | 0.3035% | 263 |
| Credit loss provision to net charge-offs | 122.4490% | 1,030 |
| Earnings coverage of net charge-offs (x) | 4.9490% | 1,835 |
| Efficiency ratio | 87.5449% | 438 |
| Assets per employee ($millions) | 3.9755% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 395 |
| Loan loss allowance to noncurrent loans | 985.4015% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 2,504 |
| Noncurrent loans to loans | 0.2093% | 2,427 |
| Net loans and leases to total assets | 67.1800% | 1,929 |
| Net loans and leases to deposits | 103.8371% | 303 |
| Net loans and leases to core deposits | 147.5325% | 136 |
| Total domestic deposits to total assets | 64.7000% | 4,502 |
| Equity capital to assets | 17.1380% | 337 |
| Core capital (leverage) ratio | 17.5911% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0070% | 502 |
| Memoranda: | ||
| Average total assets | $180,332,000 | 3,174 |
| Average earning assets | $162,300,500 | 3,216 |
| Average equity | $32,546,000 | 2,182 |
| Average total loans | $129,179,000 | 2,896 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2419% | 1,174 |
| Cost of funding earning assets | 0.4369% | 1,810 |
| Net interest margin | 3.8050% | 1,153 |
| Noninterest income to average assets | 5.3200% | 125 |
| Noninterest expense to average assets | 6.8440% | 150 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | 0.9677% | 2,691 |
| Return on assets (ROA) | 0.9363% | 2,771 |
| Pretax return on assets | 1.2056% | 2,417 |
| Return on Equity (ROE) | 5.6000% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.6023% | 2,784 |
| Net charge-offs to loans | 0.3843% | 194 |
| Credit loss provision to net charge-offs | 173.0337% | 1,206 |
| Earnings coverage of net charge-offs (x) | 7.0090% | 2,318 |
| Efficiency ratio | 80.5403% | 677 |
| Assets per employee ($millions) | 3.6922% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1009% | 360 |
| Loan loss allowance to noncurrent loans | 1,281.3397% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 2,666 |
| Noncurrent loans to loans | 0.1640% | 2,667 |
| Net loans and leases to total assets | 73.4700% | 1,268 |
| Net loans and leases to deposits | 107.0507% | 226 |
| Net loans and leases to core deposits | 129.6428% | 228 |
| Total domestic deposits to total assets | 68.6300% | 4,496 |
| Equity capital to assets | 19.0701% | 252 |
| Core capital (leverage) ratio | 17.1110% | 382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8961% | 488 |
| Memoranda: | ||
| Average total assets | $188,618,800 | 3,115 |
| Average earning assets | $157,478,400 | 3,262 |
| Average equity | $31,522,800 | 2,271 |
| Average total loans | $115,782,000 | 2,965 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6686% | 2,137 |
| Cost of funding earning assets | 0.3270% | 1,889 |
| Net interest margin | 3.3416% | 2,164 |
| Noninterest income to average assets | 5.5300% | 129 |
| Noninterest expense to average assets | 6.5516% | 153 |
| Loan and lease loss provision to assets | 0.4100% | 134 |
| Net operating income to assets | 1.0121% | 2,438 |
| Return on assets (ROA) | 1.0056% | 2,427 |
| Pretax return on assets | 1.3063% | 2,030 |
| Return on Equity (ROE) | 6.2100% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.2095% | 2,674 |
| Net charge-offs to loans | 0.3249% | 200 |
| Credit loss provision to net charge-offs | 216.3636% | 945 |
| Earnings coverage of net charge-offs (x) | 9.0945% | 2,033 |
| Efficiency ratio | 79.1583% | 825 |
| Assets per employee ($millions) | 5.6149% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1668% | 368 |
| Loan loss allowance to noncurrent loans | 1,303.9024% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,073 |
| Noncurrent loans to loans | 0.1662% | 2,764 |
| Net loans and leases to total assets | 49.9900% | 3,462 |
| Net loans and leases to deposits | 84.3299% | 1,274 |
| Net loans and leases to core deposits | 98.2801% | 886 |
| Total domestic deposits to total assets | 59.2700% | 4,623 |
| Equity capital to assets | 13.2757% | 640 |
| Core capital (leverage) ratio | 16.0523% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5225% | 601 |
| Memoranda: | ||
| Average total assets | $193,313,000 | 3,104 |
| Average earning assets | $159,001,500 | 3,276 |
| Average equity | $31,306,250 | 2,309 |
| Average total loans | $112,860,750 | 3,014 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 2,244 |
| Cost of funding earning assets | 0.2311% | 2,489 |
| Net interest margin | 3.2311% | 2,102 |
| Noninterest income to average assets | 5.5181% | 88 |
| Noninterest expense to average assets | 6.9442% | 103 |
| Loan and lease loss provision to assets | 0.1692% | 539 |
| Net operating income to assets | 0.8930% | 2,611 |
| Return on assets (ROA) | 0.8800% | 2,641 |
| Pretax return on assets | 1.0707% | 2,510 |
| Return on Equity (ROE) | 5.0230% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.0230% | 2,700 |
| Net charge-offs to loans | 0.3219% | 215 |
| Credit loss provision to net charge-offs | 85.2273% | 1,363 |
| Earnings coverage of net charge-offs (x) | 6.3239% | 1,902 |
| Efficiency ratio | 84.6863% | 642 |
| Assets per employee ($millions) | 4.1035% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1332% | 418 |
| Loan loss allowance to noncurrent loans | 1,445.3416% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,097 |
| Noncurrent loans to loans | 0.1476% | 2,960 |
| Net loans and leases to total assets | 59.1289% | 2,425 |
| Net loans and leases to deposits | 117.8394% | 49 |
| Net loans and leases to core deposits | 151.8988% | 50 |
| Total domestic deposits to total assets | 50.1775% | 4,720 |
| Equity capital to assets | 17.4242% | 254 |
| Core capital (leverage) ratio | 17.6788% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5763% | 398 |
| Memoranda: | ||
| Average total assets | $177,270,333 | 3,265 |
| Average earning assets | $147,134,333 | 3,424 |
| Average equity | $31,057,333 | 2,367 |
| Average total loans | $109,361,000 | 3,071 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1513% | 2,823 |
| Cost of funding earning assets | 0.1506% | 3,499 |
| Net interest margin | 3.0008% | 2,500 |
| Noninterest income to average assets | 5.3089% | 99 |
| Noninterest expense to average assets | 6.9077% | 104 |
| Loan and lease loss provision to assets | 0.1708% | 453 |
| Net operating income to assets | 0.6896% | 3,096 |
| Return on assets (ROA) | 0.6787% | 3,118 |
| Pretax return on assets | 0.8495% | 2,944 |
| Return on Equity (ROE) | 3.8631% | 3,915 |
| Retained earnings to average equity (ytd only) | 3.8631% | 2,986 |
| Net charge-offs to loans | 0.2228% | 280 |
| Credit loss provision to net charge-offs | 122.9508% | 924 |
| Earnings coverage of net charge-offs (x) | 7.4426% | 1,538 |
| Efficiency ratio | 86.9802% | 680 |
| Assets per employee ($millions) | 3.3766% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1424% | 491 |
| Loan loss allowance to noncurrent loans | 1,536.3636% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 3,114 |
| Noncurrent loans to loans | 0.1394% | 3,111 |
| Net loans and leases to total assets | 69.5765% | 1,055 |
| Net loans and leases to deposits | 89.2653% | 549 |
| Net loans and leases to core deposits | 115.0049% | 185 |
| Total domestic deposits to total assets | 77.9435% | 4,410 |
| Equity capital to assets | 19.9525% | 164 |
| Core capital (leverage) ratio | 16.1490% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4980% | 356 |
| Memoranda: | ||
| Average total assets | $175,629,000 | 3,300 |
| Average earning assets | $154,094,000 | 3,372 |
| Average equity | $30,856,000 | 2,438 |
| Average total loans | $109,498,500 | 3,072 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5957% | 2,403 |
| Cost of funding earning assets | 0.2138% | 3,330 |
| Net interest margin | 3.3819% | 2,086 |
| Noninterest income to average assets | 4.9815% | 113 |
| Noninterest expense to average assets | 6.1313% | 125 |
| Loan and lease loss provision to assets | 0.2978% | 274 |
| Net operating income to assets | 1.2197% | 1,859 |
| Return on assets (ROA) | 1.2301% | 1,869 |
| Pretax return on assets | 1.6314% | 1,333 |
| Return on Equity (ROE) | 8.0860% | 3,192 |
| Retained earnings to average equity (ytd only) | 5.7634% | 2,455 |
| Net charge-offs to loans | 1.1381% | 55 |
| Credit loss provision to net charge-offs | 40.4664% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.6036% | 2,579 |
| Efficiency ratio | 76.1902% | 1,092 |
| Assets per employee ($millions) | 3.9987% | 4,421 |
| Cash dividends to net income (ytd only)* | 28.7238% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1674% | 471 |
| Loan loss allowance to noncurrent loans | 1,928.6885% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 3,543 |
| Noncurrent loans to loans | 0.1124% | 3,362 |
| Net loans and leases to total assets | 54.2065% | 2,823 |
| Net loans and leases to deposits | 68.1592% | 2,299 |
| Net loans and leases to core deposits | 82.4361% | 1,429 |
| Total domestic deposits to total assets | 79.5293% | 4,263 |
| Equity capital to assets | 15.6793% | 411 |
| Core capital (leverage) ratio | 15.1598% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1840% | 343 |
| Memoranda: | ||
| Average total assets | $198,113,000 | 3,079 |
| Average earning assets | $179,605,600 | 3,095 |
| Average equity | $30,138,600 | 2,524 |
| Average total loans | $128,109,800 | 2,875 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 2,377 |
| Cost of funding earning assets | 0.2097% | 3,518 |
| Net interest margin | 3.4497% | 2,008 |
| Noninterest income to average assets | 4.6182% | 123 |
| Noninterest expense to average assets | 5.8055% | 128 |
| Loan and lease loss provision to assets | 0.2114% | 469 |
| Net operating income to assets | 1.3463% | 1,700 |
| Return on assets (ROA) | 1.3564% | 1,725 |
| Pretax return on assets | 1.7712% | 1,232 |
| Return on Equity (ROE) | 8.9841% | 3,112 |
| Retained earnings to average equity (ytd only) | 8.9841% | 1,703 |
| Net charge-offs to loans | 0.1945% | 435 |
| Credit loss provision to net charge-offs | 162.3711% | 1,311 |
| Earnings coverage of net charge-offs (x) | 15.1289% | 1,871 |
| Efficiency ratio | 74.6655% | 1,159 |
| Assets per employee ($millions) | 3.3950% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0349% | 147 |
| Loan loss allowance to noncurrent loans | 4,229.1139% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 3,836 |
| Noncurrent loans to loans | 0.0718% | 3,732 |
| Net loans and leases to total assets | 64.1672% | 1,751 |
| Net loans and leases to deposits | 81.8419% | 1,125 |
| Net loans and leases to core deposits | 107.7341% | 371 |
| Total domestic deposits to total assets | 78.4038% | 4,383 |
| Equity capital to assets | 18.6405% | 244 |
| Core capital (leverage) ratio | 14.1903% | 606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3237% | 325 |
| Memoranda: | ||
| Average total assets | $198,657,750 | 3,108 |
| Average earning assets | $181,810,250 | 3,121 |
| Average equity | $29,993,000 | 2,567 |
| Average total loans | $132,996,750 | 2,850 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4649% | 2,990 |
| Cost of funding earning assets | 0.1959% | 3,795 |
| Net interest margin | 3.2690% | 2,554 |
| Noninterest income to average assets | 4.2965% | 131 |
| Noninterest expense to average assets | 5.4196% | 152 |
| Loan and lease loss provision to assets | 0.2292% | 458 |
| Net operating income to assets | 1.2823% | 1,916 |
| Return on assets (ROA) | 1.2921% | 1,965 |
| Pretax return on assets | 1.6875% | 1,512 |
| Return on Equity (ROE) | 9.1251% | 3,059 |
| Retained earnings to average equity (ytd only) | 9.1251% | 1,672 |
| Net charge-offs to loans | 0.1749% | 482 |
| Credit loss provision to net charge-offs | 195.1220% | 1,059 |
| Earnings coverage of net charge-offs (x) | 16.2114% | 1,606 |
| Efficiency ratio | 73.9992% | 1,245 |
| Assets per employee ($millions) | 3.9851% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6261% | 235 |
| Loan loss allowance to noncurrent loans | 3,627.1739% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,917 |
| Noncurrent loans to loans | 0.0724% | 3,824 |
| Net loans and leases to total assets | 67.4966% | 1,516 |
| Net loans and leases to deposits | 102.0798% | 217 |
| Net loans and leases to core deposits | 112.3845% | 311 |
| Total domestic deposits to total assets | 66.1213% | 4,819 |
| Equity capital to assets | 16.5534% | 368 |
| Core capital (leverage) ratio | 14.9083% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7464% | 441 |
| Memoranda: | ||
| Average total assets | $209,426,000 | 3,019 |
| Average earning assets | $193,944,667 | 3,034 |
| Average equity | $29,654,333 | 2,581 |
| Average total loans | $140,634,000 | 2,773 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2436% | 3,600 |
| Cost of funding earning assets | 0.2147% | 3,778 |
| Net interest margin | 3.0289% | 3,185 |
| Noninterest income to average assets | 3.8637% | 151 |
| Noninterest expense to average assets | 5.0144% | 174 |
| Loan and lease loss provision to assets | 0.2157% | 545 |
| Net operating income to assets | 1.1088% | 2,442 |
| Return on assets (ROA) | 1.1273% | 2,466 |
| Pretax return on assets | 1.4725% | 2,066 |
| Return on Equity (ROE) | 8.5571% | 3,169 |
| Retained earnings to average equity (ytd only) | 8.5571% | 2,076 |
| Net charge-offs to loans | 0.2198% | 379 |
| Credit loss provision to net charge-offs | 148.1481% | 986 |
| Earnings coverage of net charge-offs (x) | 11.4321% | 1,453 |
| Efficiency ratio | 75.0740% | 1,212 |
| Assets per employee ($millions) | 4.6687% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2385% | 397 |
| Loan loss allowance to noncurrent loans | 3,581.3187% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 4,068 |
| Noncurrent loans to loans | 0.0625% | 3,974 |
| Net loans and leases to total assets | 67.7460% | 1,561 |
| Net loans and leases to deposits | 87.9149% | 835 |
| Net loans and leases to core deposits | 100.8003% | 681 |
| Total domestic deposits to total assets | 77.0586% | 4,512 |
| Equity capital to assets | 14.0995% | 651 |
| Core capital (leverage) ratio | 13.0449% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3790% | 490 |
| Memoranda: | ||
| Average total assets | $222,481,000 | 2,910 |
| Average earning assets | $206,806,000 | 2,918 |
| Average equity | $29,309,000 | 2,598 |
| Average total loans | $147,416,500 | 2,722 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 2,365 |
| Cost of funding earning assets | 0.7235% | 1,596 |
| Net interest margin | 3.3973% | 2,786 |
| Noninterest income to average assets | 4.2118% | 133 |
| Noninterest expense to average assets | 5.7166% | 140 |
| Loan and lease loss provision to assets | 0.4108% | 744 |
| Net operating income to assets | 0.9371% | 2,532 |
| Return on assets (ROA) | 0.9352% | 2,687 |
| Pretax return on assets | 1.2056% | 2,305 |
| Return on Equity (ROE) | 6.5879% | 3,374 |
| Retained earnings to average equity (ytd only) | 4.4832% | 2,545 |
| Net charge-offs to loans | 0.2764% | 620 |
| Credit loss provision to net charge-offs | 208.3333% | 2,120 |
| Earnings coverage of net charge-offs (x) | 8.2096% | 2,621 |
| Efficiency ratio | 77.9309% | 1,035 |
| Assets per employee ($millions) | 5.5921% | 2,750 |
| Cash dividends to net income (ytd only)* | 31.9489% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1575% | 445 |
| Loan loss allowance to noncurrent loans | 2,927.2727% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,110 |
| Noncurrent loans to loans | 0.0737% | 3,998 |
| Net loans and leases to total assets | 62.1727% | 2,586 |
| Net loans and leases to deposits | 85.3843% | 1,303 |
| Net loans and leases to core deposits | 104.0583% | 720 |
| Total domestic deposits to total assets | 72.8152% | 4,685 |
| Equity capital to assets | 12.3456% | 1,396 |
| Core capital (leverage) ratio | 12.6402% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4042% | 548 |
| Memoranda: | ||
| Average total assets | $200,818,800 | 2,939 |
| Average earning assets | $184,648,000 | 2,954 |
| Average equity | $28,506,600 | 2,569 |
| Average total loans | $143,294,800 | 2,718 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 1,497 |
| Cost of funding earning assets | 0.8262% | 1,374 |
| Net interest margin | 3.7099% | 1,910 |
| Noninterest income to average assets | 4.3658% | 123 |
| Noninterest expense to average assets | 6.0194% | 130 |
| Loan and lease loss provision to assets | 0.4888% | 613 |
| Net operating income to assets | 0.9727% | 2,442 |
| Return on assets (ROA) | 0.9672% | 2,595 |
| Pretax return on assets | 1.2473% | 2,238 |
| Return on Equity (ROE) | 6.5528% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.5528% | 1,867 |
| Net charge-offs to loans | 0.2764% | 569 |
| Credit loss provision to net charge-offs | 239.7959% | 1,963 |
| Earnings coverage of net charge-offs (x) | 8.5510% | 2,491 |
| Efficiency ratio | 77.5456% | 1,083 |
| Assets per employee ($millions) | 4.3068% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1063% | 414 |
| Loan loss allowance to noncurrent loans | 3,480.4348% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 4,225 |
| Noncurrent loans to loans | 0.0605% | 4,133 |
| Net loans and leases to total assets | 71.9867% | 1,669 |
| Net loans and leases to deposits | 88.8470% | 1,390 |
| Net loans and leases to core deposits | 123.6414% | 345 |
| Total domestic deposits to total assets | 81.0233% | 3,657 |
| Equity capital to assets | 14.0823% | 836 |
| Core capital (leverage) ratio | 13.5683% | 824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9796% | 589 |
| Memoranda: | ||
| Average total assets | $192,306,000 | 2,989 |
| Average earning assets | $176,066,250 | 3,016 |
| Average equity | $28,384,250 | 2,567 |
| Average total loans | $141,807,250 | 2,737 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1305% | 2,968 |
| Cost of funding earning assets | 0.9198% | 1,278 |
| Net interest margin | 3.2106% | 3,641 |
| Noninterest income to average assets | 5.2662% | 99 |
| Noninterest expense to average assets | 6.2464% | 127 |
| Loan and lease loss provision to assets | 0.6240% | 499 |
| Net operating income to assets | 1.0213% | 2,249 |
| Return on assets (ROA) | 1.0112% | 2,406 |
| Pretax return on assets | 1.3056% | 2,014 |
| Return on Equity (ROE) | 6.7373% | 3,234 |
| Retained earnings to average equity (ytd only) | 6.7373% | 1,762 |
| Net charge-offs to loans | 0.2774% | 572 |
| Credit loss provision to net charge-offs | 304.6875% | 1,607 |
| Earnings coverage of net charge-offs (x) | 9.4844% | 2,218 |
| Efficiency ratio | 76.2798% | 1,236 |
| Assets per employee ($millions) | 4.4435% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9881% | 445 |
| Loan loss allowance to noncurrent loans | 3,659.7701% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 4,344 |
| Noncurrent loans to loans | 0.0543% | 4,265 |
| Net loans and leases to total assets | 70.6509% | 1,931 |
| Net loans and leases to deposits | 85.8612% | 1,782 |
| Net loans and leases to core deposits | 129.0007% | 270 |
| Total domestic deposits to total assets | 82.2851% | 3,294 |
| Equity capital to assets | 12.9020% | 1,210 |
| Core capital (leverage) ratio | 14.5075% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3710% | 1,166 |
| Memoranda: | ||
| Average total assets | $187,499,000 | 3,017 |
| Average earning assets | $170,683,333 | 3,039 |
| Average equity | $28,141,667 | 2,577 |
| Average total loans | $138,403,667 | 2,762 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 1,400 |
| Cost of funding earning assets | 1.1034% | 1,035 |
| Net interest margin | 3.7023% | 2,311 |
| Noninterest income to average assets | 4.9882% | 95 |
| Noninterest expense to average assets | 7.0263% | 118 |
| Loan and lease loss provision to assets | 0.2703% | 1,158 |
| Net operating income to assets | 0.7965% | 2,922 |
| Return on assets (ROA) | 0.7687% | 3,102 |
| Pretax return on assets | 0.9849% | 2,888 |
| Return on Equity (ROE) | 4.6915% | 3,746 |
| Retained earnings to average equity (ytd only) | 4.6915% | 2,421 |
| Net charge-offs to loans | 0.3419% | 422 |
| Credit loss provision to net charge-offs | 105.5046% | 1,784 |
| Earnings coverage of net charge-offs (x) | 5.0367% | 2,088 |
| Efficiency ratio | 84.4828% | 800 |
| Assets per employee ($millions) | 3.4024% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2217% | 362 |
| Loan loss allowance to noncurrent loans | 2,854.0816% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 4,297 |
| Noncurrent loans to loans | 0.0778% | 4,200 |
| Net loans and leases to total assets | 73.8358% | 1,633 |
| Net loans and leases to deposits | 93.3084% | 1,146 |
| Net loans and leases to core deposits | 161.8659% | 76 |
| Total domestic deposits to total assets | 79.1309% | 4,023 |
| Equity capital to assets | 16.8216% | 461 |
| Core capital (leverage) ratio | 15.4347% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4310% | 702 |
| Memoranda: | ||
| Average total assets | $170,161,500 | 3,132 |
| Average earning assets | $152,985,000 | 3,163 |
| Average equity | $27,880,000 | 2,586 |
| Average total loans | $127,529,500 | 2,862 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 1,441 |
| Cost of funding earning assets | 1.2101% | 1,010 |
| Net interest margin | 3.8030% | 2,493 |
| Noninterest income to average assets | 4.7476% | 95 |
| Noninterest expense to average assets | 6.5023% | 123 |
| Loan and lease loss provision to assets | 0.2402% | 785 |
| Net operating income to assets | 1.1061% | 2,415 |
| Return on assets (ROA) | 1.1061% | 2,513 |
| Pretax return on assets | 1.4579% | 1,948 |
| Return on Equity (ROE) | 7.2388% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.2388% | 1,284 |
| Net charge-offs to loans | 0.3448% | 587 |
| Credit loss provision to net charge-offs | 93.7500% | 2,607 |
| Earnings coverage of net charge-offs (x) | 6.6272% | 2,957 |
| Efficiency ratio | 79.2928% | 1,004 |
| Assets per employee ($millions) | 3.6937% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1608% | 355 |
| Loan loss allowance to noncurrent loans | 1,286.1751% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 4,022 |
| Noncurrent loans to loans | 0.1680% | 3,860 |
| Net loans and leases to total assets | 72.7937% | 1,950 |
| Net loans and leases to deposits | 91.0245% | 1,479 |
| Net loans and leases to core deposits | 152.2114% | 108 |
| Total domestic deposits to total assets | 79.9715% | 3,983 |
| Equity capital to assets | 15.9646% | 610 |
| Core capital (leverage) ratio | 15.6070% | 573 |
| Tier 1 risk-based capital ratio | 19.1951% | 1,479 |
| Total risk-based capital ratio | 20.4608% | 1,441 |
| Memoranda: | ||
| Average total assets | $174,846,200 | 3,068 |
| Average earning assets | $158,741,200 | 3,096 |
| Average equity | $26,717,000 | 2,579 |
| Average total loans | $129,917,200 | 2,820 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 1,439 |
| Cost of funding earning assets | 1.1485% | 1,178 |
| Net interest margin | 3.8935% | 2,279 |
| Noninterest income to average assets | 4.6570% | 98 |
| Noninterest expense to average assets | 6.4740% | 124 |
| Loan and lease loss provision to assets | 0.2398% | 693 |
| Net operating income to assets | 1.1311% | 2,450 |
| Return on assets (ROA) | 1.1311% | 2,538 |
| Pretax return on assets | 1.4889% | 1,989 |
| Return on Equity (ROE) | 7.4857% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.4857% | 1,632 |
| Net charge-offs to loans | 0.3382% | 506 |
| Credit loss provision to net charge-offs | 95.4545% | 2,339 |
| Earnings coverage of net charge-offs (x) | 6.8818% | 2,798 |
| Efficiency ratio | 78.9254% | 1,027 |
| Assets per employee ($millions) | 3.6339% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1917% | 334 |
| Loan loss allowance to noncurrent loans | 1,593.1818% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 4,191 |
| Noncurrent loans to loans | 0.1376% | 4,044 |
| Net loans and leases to total assets | 73.2649% | 1,949 |
| Net loans and leases to deposits | 94.9437% | 1,130 |
| Net loans and leases to core deposits | 163.8175% | 78 |
| Total domestic deposits to total assets | 77.1666% | 4,493 |
| Equity capital to assets | 15.9613% | 638 |
| Core capital (leverage) ratio | 16.0215% | 554 |
| Tier 1 risk-based capital ratio | 19.1618% | 1,530 |
| Total risk-based capital ratio | 20.4278% | 1,495 |
| Memoranda: | ||
| Average total assets | $175,157,000 | 3,100 |
| Average earning assets | $159,510,750 | 3,116 |
| Average equity | $26,467,500 | 2,608 |
| Average total loans | $130,105,750 | 2,854 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0583% | 1,327 |
| Cost of funding earning assets | 1.1354% | 1,180 |
| Net interest margin | 3.9229% | 2,177 |
| Noninterest income to average assets | 4.5422% | 104 |
| Noninterest expense to average assets | 6.4390% | 125 |
| Loan and lease loss provision to assets | 0.2378% | 667 |
| Net operating income to assets | 1.0849% | 2,585 |
| Return on assets (ROA) | 1.0849% | 2,651 |
| Pretax return on assets | 1.4257% | 2,121 |
| Return on Equity (ROE) | 7.3121% | 3,567 |
| Retained earnings to average equity (ytd only) | 7.3121% | 1,684 |
| Net charge-offs to loans | 0.3394% | 500 |
| Credit loss provision to net charge-offs | 94.5946% | 2,079 |
| Earnings coverage of net charge-offs (x) | 6.6171% | 2,549 |
| Efficiency ratio | 79.4689% | 1,016 |
| Assets per employee ($millions) | 3.6283% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1730% | 343 |
| Loan loss allowance to noncurrent loans | 2,528.8288% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 4,445 |
| Noncurrent loans to loans | 0.0859% | 4,297 |
| Net loans and leases to total assets | 69.6587% | 2,577 |
| Net loans and leases to deposits | 85.3404% | 2,332 |
| Net loans and leases to core deposits | 136.2281% | 233 |
| Total domestic deposits to total assets | 81.6246% | 3,628 |
| Equity capital to assets | 14.7286% | 881 |
| Core capital (leverage) ratio | 14.8404% | 742 |
| Tier 1 risk-based capital ratio | 18.3373% | 1,716 |
| Total risk-based capital ratio | 19.6009% | 1,669 |
| Memoranda: | ||
| Average total assets | $176,611,330 | 3,094 |
| Average earning assets | $160,290,330 | 3,130 |
| Average equity | $26,203,000 | 2,622 |
| Average total loans | $130,829,000 | 2,859 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 1,005 |
| Cost of funding earning assets | 1.1641% | 1,004 |
| Net interest margin | 3.9838% | 1,897 |
| Noninterest income to average assets | 4.3993% | 103 |
| Noninterest expense to average assets | 6.4750% | 120 |
| Loan and lease loss provision to assets | 0.2411% | 616 |
| Net operating income to assets | 0.9758% | 2,943 |
| Return on assets (ROA) | 0.9758% | 2,988 |
| Pretax return on assets | 1.2743% | 2,553 |
| Return on Equity (ROE) | 6.5524% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.5524% | 2,228 |
| Net charge-offs to loans | 0.2856% | 518 |
| Credit loss provision to net charge-offs | 111.7021% | 1,483 |
| Earnings coverage of net charge-offs (x) | 7.0213% | 2,159 |
| Efficiency ratio | 81.0345% | 964 |
| Assets per employee ($millions) | 3.8594% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1387% | 393 |
| Loan loss allowance to noncurrent loans | 2,176.9231% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 4,448 |
| Noncurrent loans to loans | 0.0982% | 4,305 |
| Net loans and leases to total assets | 72.9423% | 2,001 |
| Net loans and leases to deposits | 90.6428% | 1,548 |
| Net loans and leases to core deposits | 147.0493% | 136 |
| Total domestic deposits to total assets | 80.4723% | 4,079 |
| Equity capital to assets | 14.7404% | 809 |
| Core capital (leverage) ratio | 14.5406% | 803 |
| Tier 1 risk-based capital ratio | 17.8055% | 1,853 |
| Total risk-based capital ratio | 19.0697% | 1,805 |
| Memoranda: | ||
| Average total assets | $174,209,000 | 3,150 |
| Average earning assets | $157,036,500 | 3,194 |
| Average equity | $25,944,500 | 2,646 |
| Average total loans | $131,654,000 | 2,885 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7622% | 1,629 |
| Cost of funding earning assets | 0.9032% | 1,079 |
| Net interest margin | 3.8590% | 2,471 |
| Noninterest income to average assets | 4.5769% | 102 |
| Noninterest expense to average assets | 6.0476% | 131 |
| Loan and lease loss provision to assets | 0.2405% | 728 |
| Net operating income to assets | 1.2714% | 1,908 |
| Return on assets (ROA) | 1.2714% | 1,906 |
| Pretax return on assets | 1.6900% | 1,197 |
| Return on Equity (ROE) | 8.5963% | 3,181 |
| Retained earnings to average equity (ytd only) | 2.7880% | 4,003 |
| Net charge-offs to loans | 0.3040% | 638 |
| Credit loss provision to net charge-offs | 107.4169% | 2,386 |
| Earnings coverage of net charge-offs (x) | 8.6215% | 2,884 |
| Efficiency ratio | 75.8022% | 1,393 |
| Assets per employee ($millions) | 3.6359% | 4,402 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1522% | 364 |
| Loan loss allowance to noncurrent loans | 3,970.4225% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 4,643 |
| Noncurrent loans to loans | 0.0542% | 4,508 |
| Net loans and leases to total assets | 74.9991% | 1,774 |
| Net loans and leases to deposits | 96.3298% | 1,041 |
| Net loans and leases to core deposits | 163.5984% | 79 |
| Total domestic deposits to total assets | 77.8566% | 4,515 |
| Equity capital to assets | 15.0510% | 699 |
| Core capital (leverage) ratio | 14.8271% | 727 |
| Tier 1 risk-based capital ratio | 17.7207% | 1,841 |
| Total risk-based capital ratio | 18.9831% | 1,789 |
| Memoranda: | ||
| Average total assets | $174,615,200 | 3,116 |
| Average earning assets | $153,900,000 | 3,195 |
| Average equity | $25,825,200 | 2,578 |
| Average total loans | $128,635,000 | 2,891 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 1,775 |
| Cost of funding earning assets | 0.8665% | 1,044 |
| Net interest margin | 3.7995% | 2,648 |
| Noninterest income to average assets | 4.5236% | 102 |
| Noninterest expense to average assets | 5.9895% | 134 |
| Loan and lease loss provision to assets | 0.2392% | 665 |
| Net operating income to assets | 1.2372% | 2,100 |
| Return on assets (ROA) | 1.2372% | 2,100 |
| Pretax return on assets | 1.6421% | 1,441 |
| Return on Equity (ROE) | 8.4016% | 3,378 |
| Retained earnings to average equity (ytd only) | 8.4016% | 1,469 |
| Net charge-offs to loans | 0.2999% | 550 |
| Credit loss provision to net charge-offs | 109.3750% | 2,119 |
| Earnings coverage of net charge-offs (x) | 8.6007% | 2,690 |
| Efficiency ratio | 76.0977% | 1,338 |
| Assets per employee ($millions) | 3.6168% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2330% | 340 |
| Loan loss allowance to noncurrent loans | 3,912.5000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 4,762 |
| Noncurrent loans to loans | 0.0571% | 4,635 |
| Net loans and leases to total assets | 72.5563% | 2,240 |
| Net loans and leases to deposits | 100.5626% | 732 |
| Net loans and leases to core deposits | 166.7730% | 75 |
| Total domestic deposits to total assets | 72.1504% | 5,117 |
| Equity capital to assets | 15.6493% | 592 |
| Core capital (leverage) ratio | 15.2807% | 638 |
| Tier 1 risk-based capital ratio | 18.8744% | 1,565 |
| Total risk-based capital ratio | 20.1399% | 1,532 |
| Memoranda: | ||
| Average total assets | $175,547,500 | 3,125 |
| Average earning assets | $154,649,250 | 3,215 |
| Average equity | $25,851,500 | 2,589 |
| Average total loans | $128,048,250 | 2,923 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 2,023 |
| Cost of funding earning assets | 0.8150% | 1,065 |
| Net interest margin | 3.7064% | 2,900 |
| Noninterest income to average assets | 4.4960% | 104 |
| Noninterest expense to average assets | 5.8196% | 147 |
| Loan and lease loss provision to assets | 0.2368% | 669 |
| Net operating income to assets | 1.2897% | 1,814 |
| Return on assets (ROA) | 1.2897% | 1,810 |
| Pretax return on assets | 1.7057% | 1,197 |
| Return on Equity (ROE) | 8.9370% | 3,050 |
| Retained earnings to average equity (ytd only) | 8.9370% | 1,237 |
| Net charge-offs to loans | 0.3233% | 493 |
| Credit loss provision to net charge-offs | 100.9615% | 2,002 |
| Earnings coverage of net charge-offs (x) | 8.2837% | 2,489 |
| Efficiency ratio | 74.9746% | 1,568 |
| Assets per employee ($millions) | 3.3767% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1624% | 400 |
| Loan loss allowance to noncurrent loans | 8,460.6061% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 4,934 |
| Noncurrent loans to loans | 0.0256% | 4,814 |
| Net loans and leases to total assets | 74.8213% | 1,818 |
| Net loans and leases to deposits | 94.1346% | 1,343 |
| Net loans and leases to core deposits | 149.9187% | 120 |
| Total domestic deposits to total assets | 79.4833% | 4,353 |
| Equity capital to assets | 15.4851% | 595 |
| Core capital (leverage) ratio | 14.8153% | 712 |
| Tier 1 risk-based capital ratio | 18.3040% | 1,726 |
| Total risk-based capital ratio | 19.5714% | 1,686 |
| Memoranda: | ||
| Average total assets | $177,400,670 | 3,121 |
| Average earning assets | $156,325,000 | 3,219 |
| Average equity | $25,601,330 | 2,617 |
| Average total loans | $128,679,670 | 2,927 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 2,459 |
| Cost of funding earning assets | 0.7900% | 990 |
| Net interest margin | 3.5276% | 3,432 |
| Noninterest income to average assets | 4.2799% | 112 |
| Noninterest expense to average assets | 5.2927% | 184 |
| Loan and lease loss provision to assets | 0.2312% | 673 |
| Net operating income to assets | 1.4222% | 1,279 |
| Return on assets (ROA) | 1.4222% | 1,283 |
| Pretax return on assets | 1.8626% | 795 |
| Return on Equity (ROE) | 10.2013% | 2,333 |
| Retained earnings to average equity (ytd only) | 10.2013% | 1,104 |
| Net charge-offs to loans | 0.4172% | 371 |
| Credit loss provision to net charge-offs | 78.3582% | 1,760 |
| Earnings coverage of net charge-offs (x) | 7.0970% | 2,117 |
| Efficiency ratio | 71.6542% | 2,239 |
| Assets per employee ($millions) | 3.5888% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1394% | 432 |
| Loan loss allowance to noncurrent loans | 3,494.9367% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 3,406 |
| Noncurrent loans to loans | 0.0612% | 4,704 |
| Net loans and leases to total assets | 71.8176% | 2,197 |
| Net loans and leases to deposits | 89.0647% | 1,802 |
| Net loans and leases to core deposits | 144.2678% | 174 |
| Total domestic deposits to total assets | 80.6353% | 4,288 |
| Equity capital to assets | 14.5856% | 758 |
| Core capital (leverage) ratio | 14.1545% | 841 |
| Tier 1 risk-based capital ratio | 17.8753% | 1,871 |
| Total risk-based capital ratio | 19.1413% | 1,817 |
| Memoranda: | ||
| Average total assets | $181,684,500 | 3,112 |
| Average earning assets | $159,997,000 | 3,219 |
| Average equity | $25,330,000 | 2,667 |
| Average total loans | $128,462,000 | 2,952 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 1,970 |
| Cost of funding earning assets | 0.5105% | 2,250 |
| Net interest margin | 3.9102% | 2,054 |
| Noninterest income to average assets | 4.6345% | 114 |
| Noninterest expense to average assets | 6.1614% | 144 |
| Loan and lease loss provision to assets | 0.2357% | 815 |
| Net operating income to assets | 0.8243% | 3,061 |
| Return on assets (ROA) | 0.8243% | 3,102 |
| Pretax return on assets | 1.6458% | 1,173 |
| Return on Equity (ROE) | 6.0265% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.0265% | 1,528 |
| Net charge-offs to loans | 0.4827% | 494 |
| Credit loss provision to net charge-offs | 71.1864% | 3,075 |
| Earnings coverage of net charge-offs (x) | 5.6831% | 3,289 |
| Efficiency ratio | 76.6064% | 1,536 |
| Assets per employee ($millions) | 3.8269% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1819% | 384 |
| Loan loss allowance to noncurrent loans | 2,906.2500% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 3,484 |
| Noncurrent loans to loans | 0.0751% | 4,665 |
| Net loans and leases to total assets | 66.7035% | 3,006 |
| Net loans and leases to deposits | 83.2475% | 2,576 |
| Net loans and leases to core deposits | 137.0510% | 241 |
| Total domestic deposits to total assets | 80.1267% | 4,315 |
| Equity capital to assets | 13.3379% | 1,119 |
| Core capital (leverage) ratio | 14.3874% | 756 |
| Tier 1 risk-based capital ratio | 16.8528% | 2,142 |
| Total risk-based capital ratio | 18.1168% | 2,082 |
| Memoranda: | ||
| Average total assets | $178,206,600 | 3,143 |
| Average earning assets | $155,337,600 | 3,252 |
| Average equity | $24,375,800 | 2,725 |
| Average total loans | $122,225,600 | 3,025 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 1,639 |
| Cost of funding earning assets | 0.4809% | 2,425 |
| Net interest margin | 4.0192% | 1,638 |
| Noninterest income to average assets | 4.6493% | 125 |
| Noninterest expense to average assets | 6.1768% | 142 |
| Loan and lease loss provision to assets | 0.2388% | 745 |
| Net operating income to assets | 1.1311% | 1,949 |
| Return on assets (ROA) | 1.1311% | 2,010 |
| Pretax return on assets | 1.7307% | 1,046 |
| Return on Equity (ROE) | 8.2144% | 3,017 |
| Retained earnings to average equity (ytd only) | 8.2144% | 1,128 |
| Net charge-offs to loans | 0.2616% | 827 |
| Credit loss provision to net charge-offs | 132.9114% | 1,853 |
| Earnings coverage of net charge-offs (x) | 10.9621% | 2,540 |
| Efficiency ratio | 75.8236% | 1,617 |
| Assets per employee ($millions) | 3.8286% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4225% | 296 |
| Loan loss allowance to noncurrent loans | 9,493.7500% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 3,698 |
| Noncurrent loans to loans | 0.0255% | 5,008 |
| Net loans and leases to total assets | 71.0266% | 2,406 |
| Net loans and leases to deposits | 93.5780% | 1,341 |
| Net loans and leases to core deposits | 144.3071% | 157 |
| Total domestic deposits to total assets | 75.9010% | 5,026 |
| Equity capital to assets | 14.5424% | 845 |
| Core capital (leverage) ratio | 14.7933% | 702 |
| Tier 1 risk-based capital ratio | 17.4017% | 2,037 |
| Total risk-based capital ratio | 18.6682% | 1,985 |
| Memoranda: | ||
| Average total assets | $175,878,750 | 3,200 |
| Average earning assets | $153,026,500 | 3,313 |
| Average equity | $24,217,000 | 2,760 |
| Average total loans | $120,814,250 | 3,071 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 3,523 |
| Cost of funding earning assets | 0.4362% | 2,743 |
| Net interest margin | 3.4738% | 3,493 |
| Noninterest income to average assets | 4.4343% | 126 |
| Noninterest expense to average assets | 5.9466% | 158 |
| Loan and lease loss provision to assets | 0.2372% | 714 |
| Net operating income to assets | 0.8448% | 3,182 |
| Return on assets (ROA) | 0.8448% | 3,225 |
| Pretax return on assets | 1.2729% | 2,487 |
| Return on Equity (ROE) | 6.2496% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.2496% | 1,992 |
| Net charge-offs to loans | 0.2699% | 754 |
| Credit loss provision to net charge-offs | 130.4348% | 1,677 |
| Earnings coverage of net charge-offs (x) | 8.3043% | 2,519 |
| Efficiency ratio | 79.7486% | 1,238 |
| Assets per employee ($millions) | 3.2624% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5018% | 284 |
| Loan loss allowance to noncurrent loans | 263.0245% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1600% | 1,478 |
| Noncurrent loans to loans | 0.9512% | 2,054 |
| Net loans and leases to total assets | 70.4784% | 2,448 |
| Net loans and leases to deposits | 88.8323% | 1,888 |
| Net loans and leases to core deposits | 136.2964% | 231 |
| Total domestic deposits to total assets | 79.3386% | 4,550 |
| Equity capital to assets | 14.6145% | 795 |
| Core capital (leverage) ratio | 14.0997% | 835 |
| Tier 1 risk-based capital ratio | 17.3660% | 2,049 |
| Total risk-based capital ratio | 18.6322% | 2,002 |
| Memoranda: | ||
| Average total assets | $177,075,330 | 3,192 |
| Average earning assets | $154,067,000 | 3,319 |
| Average equity | $23,937,670 | 2,789 |
| Average total loans | $119,282,670 | 3,105 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 3,945 |
| Cost of funding earning assets | 0.4102% | 2,902 |
| Net interest margin | 3.3368% | 3,897 |
| Noninterest income to average assets | 4.3547% | 132 |
| Noninterest expense to average assets | 5.7208% | 176 |
| Loan and lease loss provision to assets | 0.2302% | 676 |
| Net operating income to assets | 0.8617% | 2,935 |
| Return on assets (ROA) | 0.8617% | 2,981 |
| Pretax return on assets | 1.3112% | 2,197 |
| Return on Equity (ROE) | 6.6194% | 3,597 |
| Retained earnings to average equity (ytd only) | 6.6194% | 2,018 |
| Net charge-offs to loans | 0.3098% | 598 |
| Credit loss provision to net charge-offs | 114.1304% | 1,451 |
| Earnings coverage of net charge-offs (x) | 7.6413% | 2,117 |
| Efficiency ratio | 78.7742% | 1,522 |
| Assets per employee ($millions) | 3.6861% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5110% | 308 |
| Loan loss allowance to noncurrent loans | 258.0729% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 1,673 |
| Noncurrent loans to loans | 0.9730% | 2,101 |
| Net loans and leases to total assets | 63.9051% | 3,292 |
| Net loans and leases to deposits | 75.9232% | 3,208 |
| Net loans and leases to core deposits | 122.0548% | 413 |
| Total domestic deposits to total assets | 84.1707% | 3,413 |
| Equity capital to assets | 13.2587% | 1,161 |
| Core capital (leverage) ratio | 13.5187% | 973 |
| Tier 1 risk-based capital ratio | 16.9326% | 2,201 |
| Total risk-based capital ratio | 18.1961% | 2,155 |
| Memoranda: | ||
| Average total assets | $182,421,500 | 3,154 |
| Average earning assets | $158,954,000 | 3,283 |
| Average equity | $23,748,500 | 2,816 |
| Average total loans | $118,787,500 | 3,125 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8137% | 3,862 |
| Cost of funding earning assets | 0.4273% | 2,733 |
| Net interest margin | 3.3864% | 3,862 |
| Noninterest income to average assets | 4.3921% | 134 |
| Noninterest expense to average assets | 5.9198% | 170 |
| Loan and lease loss provision to assets | 0.1197% | 2,068 |
| Net operating income to assets | 0.8733% | 2,964 |
| Return on assets (ROA) | 0.8733% | 3,073 |
| Pretax return on assets | 1.3344% | 2,165 |
| Return on Equity (ROE) | 6.6948% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.6948% | 1,360 |
| Net charge-offs to loans | 0.3144% | 872 |
| Credit loss provision to net charge-offs | 59.8291% | 3,250 |
| Earnings coverage of net charge-offs (x) | 7.2678% | 3,043 |
| Efficiency ratio | 80.2798% | 1,386 |
| Assets per employee ($millions) | 3.8436% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4781% | 320 |
| Loan loss allowance to noncurrent loans | 204.5612% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 1,486 |
| Noncurrent loans to loans | 1.2114% | 1,702 |
| Net loans and leases to total assets | 63.1392% | 3,458 |
| Net loans and leases to deposits | 77.2247% | 3,188 |
| Net loans and leases to core deposits | 102.7884% | 1,383 |
| Total domestic deposits to total assets | 81.7604% | 4,138 |
| Equity capital to assets | 12.8573% | 1,320 |
| Core capital (leverage) ratio | 13.1410% | 1,084 |
| Tier 1 risk-based capital ratio | 16.2024% | 2,472 |
| Total risk-based capital ratio | 17.4649% | 2,405 |
| Memoranda: | ||
| Average total assets | $175,429,000 | 3,215 |
| Average earning assets | $154,468,600 | 3,316 |
| Average equity | $22,883,400 | 2,900 |
| Average total loans | $111,638,600 | 3,192 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 3,832 |
| Cost of funding earning assets | 0.4323% | 2,709 |
| Net interest margin | 3.3978% | 3,843 |
| Noninterest income to average assets | 4.4489% | 138 |
| Noninterest expense to average assets | 6.0135% | 168 |
| Loan and lease loss provision to assets | 0.0808% | 2,589 |
| Net operating income to assets | 0.8909% | 2,956 |
| Return on assets (ROA) | 0.8909% | 3,090 |
| Pretax return on assets | 1.3621% | 2,189 |
| Return on Equity (ROE) | 6.8035% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.8035% | 1,719 |
| Net charge-offs to loans | 0.3428% | 670 |
| Credit loss provision to net charge-offs | 37.2340% | 3,175 |
| Earnings coverage of net charge-offs (x) | 6.6454% | 2,978 |
| Efficiency ratio | 80.6485% | 1,348 |
| Assets per employee ($millions) | 3.6719% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5852% | 299 |
| Loan loss allowance to noncurrent loans | 208.2621% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3055% | 1,469 |
| Noncurrent loans to loans | 1.2413% | 1,808 |
| Net loans and leases to total assets | 63.8425% | 3,424 |
| Net loans and leases to deposits | 76.4226% | 3,360 |
| Net loans and leases to core deposits | 103.3215% | 1,390 |
| Total domestic deposits to total assets | 83.5387% | 3,382 |
| Equity capital to assets | 13.5699% | 1,213 |
| Core capital (leverage) ratio | 13.4830% | 1,007 |
| Tier 1 risk-based capital ratio | 17.0309% | 2,215 |
| Total risk-based capital ratio | 18.2918% | 2,170 |
| Memoranda: | ||
| Average total assets | $173,162,750 | 3,254 |
| Average earning assets | $153,271,750 | 3,349 |
| Average equity | $22,674,000 | 2,949 |
| Average total loans | $109,686,250 | 3,228 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5068% | 4,846 |
| Cost of funding earning assets | 0.4351% | 2,695 |
| Net interest margin | 3.0717% | 4,910 |
| Noninterest income to average assets | 4.3990% | 145 |
| Noninterest expense to average assets | 6.0050% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7349% | 3,625 |
| Return on assets (ROA) | 0.7349% | 3,791 |
| Pretax return on assets | 1.1145% | 3,141 |
| Return on Equity (ROE) | 5.6810% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.6810% | 2,316 |
| Net charge-offs to loans | 0.3740% | 619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.7586% | 2,946 |
| Efficiency ratio | 84.3461% | 1,017 |
| Assets per employee ($millions) | 3.5066% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6276% | 310 |
| Loan loss allowance to noncurrent loans | 200.3455% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.3641% | 1,450 |
| Noncurrent loans to loans | 1.3115% | 1,721 |
| Net loans and leases to total assets | 63.8246% | 3,392 |
| Net loans and leases to deposits | 76.3375% | 3,344 |
| Net loans and leases to core deposits | 106.8669% | 1,113 |
| Total domestic deposits to total assets | 83.6085% | 3,417 |
| Equity capital to assets | 13.6099% | 1,178 |
| Core capital (leverage) ratio | 13.2100% | 1,084 |
| Tier 1 risk-based capital ratio | 17.0837% | 2,185 |
| Total risk-based capital ratio | 18.3445% | 2,144 |
| Memoranda: | ||
| Average total assets | $173,356,670 | 3,276 |
| Average earning assets | $153,530,670 | 3,356 |
| Average equity | $22,425,670 | 2,980 |
| Average total loans | $108,547,000 | 3,263 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 4,992 |
| Cost of funding earning assets | 0.4298% | 2,772 |
| Net interest margin | 3.0266% | 5,053 |
| Noninterest income to average assets | 4.3417% | 144 |
| Noninterest expense to average assets | 7.4348% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3070% | 5,918 |
| Return on assets (ROA) | -0.3070% | 5,925 |
| Pretax return on assets | -0.4026% | 5,942 |
| Return on Equity (ROE) | -2.4341% | 5,920 |
| Retained earnings to average equity (ytd only) | -2.4341% | 5,427 |
| Net charge-offs to loans | 0.2824% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -2.3289% | 3,022 |
| Efficiency ratio | 105.7245% | 197 |
| Assets per employee ($millions) | 3.3455% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8542% | 255 |
| Loan loss allowance to noncurrent loans | 209.0532% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.3726% | 1,536 |
| Noncurrent loans to loans | 1.3653% | 1,741 |
| Net loans and leases to total assets | 61.5512% | 3,587 |
| Net loans and leases to deposits | 73.7047% | 3,466 |
| Net loans and leases to core deposits | 103.4878% | 1,222 |
| Total domestic deposits to total assets | 83.5106% | 3,707 |
| Equity capital to assets | 13.2349% | 1,301 |
| Core capital (leverage) ratio | 12.5039% | 1,339 |
| Tier 1 risk-based capital ratio | 17.7970% | 2,041 |
| Total risk-based capital ratio | 19.0620% | 1,998 |
| Memoranda: | ||
| Average total assets | $175,875,500 | 3,250 |
| Average earning assets | $156,344,500 | 3,334 |
| Average equity | $22,184,500 | 3,005 |
| Average total loans | $107,656,500 | 3,284 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 4,765 |
| Cost of funding earning assets | 0.3109% | 4,129 |
| Net interest margin | 3.2535% | 4,462 |
| Noninterest income to average assets | 4.4864% | 143 |
| Noninterest expense to average assets | 6.6421% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4889% | 4,737 |
| Return on assets (ROA) | 0.4889% | 4,827 |
| Pretax return on assets | 0.7376% | 4,409 |
| Return on Equity (ROE) | 3.9438% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.9438% | 3,232 |
| Net charge-offs to loans | 0.2633% | 1,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.4897% | 3,548 |
| Efficiency ratio | 90.0046% | 689 |
| Assets per employee ($millions) | 3.6895% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8364% | 271 |
| Loan loss allowance to noncurrent loans | 205.2283% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2793% | 1,669 |
| Noncurrent loans to loans | 1.3821% | 1,698 |
| Net loans and leases to total assets | 57.5832% | 4,140 |
| Net loans and leases to deposits | 67.4729% | 4,177 |
| Net loans and leases to core deposits | 90.6118% | 2,353 |
| Total domestic deposits to total assets | 85.3426% | 2,928 |
| Equity capital to assets | 12.0505% | 1,918 |
| Core capital (leverage) ratio | 12.5807% | 1,312 |
| Tier 1 risk-based capital ratio | 16.5408% | 2,459 |
| Total risk-based capital ratio | 17.8032% | 2,408 |
| Memoranda: | ||
| Average total assets | $176,510,200 | 3,211 |
| Average earning assets | $156,968,600 | 3,299 |
| Average equity | $21,882,200 | 2,988 |
| Average total loans | $110,157,400 | 3,198 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5969% | 4,748 |
| Cost of funding earning assets | 0.3023% | 4,318 |
| Net interest margin | 3.2946% | 4,373 |
| Noninterest income to average assets | 4.5694% | 142 |
| Noninterest expense to average assets | 6.8056% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4607% | 4,933 |
| Return on assets (ROA) | 0.4607% | 5,026 |
| Pretax return on assets | 0.6868% | 4,724 |
| Return on Equity (ROE) | 3.6888% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.6888% | 3,842 |
| Net charge-offs to loans | 0.2634% | 1,003 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.1239% | 3,397 |
| Efficiency ratio | 90.8331% | 640 |
| Assets per employee ($millions) | 3.4531% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8438% | 286 |
| Loan loss allowance to noncurrent loans | 208.7500% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 2.0023% | 1,023 |
| Noncurrent loans to loans | 1.3623% | 1,880 |
| Net loans and leases to total assets | 62.7872% | 3,487 |
| Net loans and leases to deposits | 74.4528% | 3,493 |
| Net loans and leases to core deposits | 102.4061% | 1,353 |
| Total domestic deposits to total assets | 84.3316% | 3,293 |
| Equity capital to assets | 12.7666% | 1,581 |
| Core capital (leverage) ratio | 12.7056% | 1,317 |
| Tier 1 risk-based capital ratio | 16.5210% | 2,562 |
| Total risk-based capital ratio | 17.7848% | 2,516 |
| Memoranda: | ||
| Average total assets | $174,519,250 | 3,262 |
| Average earning assets | $154,833,500 | 3,357 |
| Average equity | $21,795,250 | 3,010 |
| Average total loans | $110,365,000 | 3,224 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5705% | 4,802 |
| Cost of funding earning assets | 0.3081% | 4,310 |
| Net interest margin | 3.2624% | 4,442 |
| Noninterest income to average assets | 4.4901% | 142 |
| Noninterest expense to average assets | 6.5342% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5710% | 4,468 |
| Return on assets (ROA) | 0.5710% | 4,571 |
| Pretax return on assets | 0.8462% | 4,138 |
| Return on Equity (ROE) | 4.6055% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.6055% | 3,104 |
| Net charge-offs to loans | 0.2946% | 889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.5741% | 3,024 |
| Efficiency ratio | 88.5347% | 873 |
| Assets per employee ($millions) | 3.2651% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9532% | 281 |
| Loan loss allowance to noncurrent loans | 179.8886% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 2.2412% | 919 |
| Noncurrent loans to loans | 1.6417% | 1,593 |
| Net loans and leases to total assets | 63.7228% | 3,300 |
| Net loans and leases to deposits | 75.7658% | 3,296 |
| Net loans and leases to core deposits | 103.0434% | 1,263 |
| Total domestic deposits to total assets | 84.1050% | 3,523 |
| Equity capital to assets | 13.1703% | 1,314 |
| Core capital (leverage) ratio | 12.1919% | 1,541 |
| Tier 1 risk-based capital ratio | 17.0916% | 2,372 |
| Total risk-based capital ratio | 18.3567% | 2,312 |
| Memoranda: | ||
| Average total assets | $175,141,330 | 3,280 |
| Average earning assets | $155,159,670 | 3,376 |
| Average equity | $21,713,000 | 3,031 |
| Average total loans | $109,961,000 | 3,251 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4669% | 5,045 |
| Cost of funding earning assets | 0.2953% | 4,490 |
| Net interest margin | 3.1716% | 4,705 |
| Noninterest income to average assets | 4.3621% | 149 |
| Noninterest expense to average assets | 6.1074% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7601% | 3,483 |
| Return on assets (ROA) | 0.7601% | 3,621 |
| Pretax return on assets | 1.1034% | 3,059 |
| Return on Equity (ROE) | 6.3136% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.3136% | 2,330 |
| Net charge-offs to loans | 0.3918% | 625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.5833% | 2,472 |
| Efficiency ratio | 84.6986% | 1,297 |
| Assets per employee ($millions) | 3.6177% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0018% | 296 |
| Loan loss allowance to noncurrent loans | 137.3640% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 2.5840% | 814 |
| Noncurrent loans to loans | 2.1853% | 1,160 |
| Net loans and leases to total assets | 58.6472% | 3,851 |
| Net loans and leases to deposits | 68.5240% | 3,908 |
| Net loans and leases to core deposits | 92.2566% | 1,923 |
| Total domestic deposits to total assets | 85.5864% | 3,137 |
| Equity capital to assets | 12.0480% | 1,995 |
| Core capital (leverage) ratio | 11.6931% | 1,858 |
| Tier 1 risk-based capital ratio | 16.5180% | 2,677 |
| Total risk-based capital ratio | 17.7831% | 2,614 |
| Memoranda: | ||
| Average total assets | $179,453,000 | 3,239 |
| Average earning assets | $161,180,000 | 3,306 |
| Average equity | $21,604,000 | 3,062 |
| Average total loans | $110,272,000 | 3,255 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4878% | 5,346 |
| Cost of funding earning assets | 0.2928% | 4,866 |
| Net interest margin | 3.1949% | 4,938 |
| Noninterest income to average assets | 5.1872% | 121 |
| Noninterest expense to average assets | 6.8801% | 142 |
| Loan and lease loss provision to assets | 0.0463% | 3,646 |
| Net operating income to assets | 0.7461% | 3,645 |
| Return on assets (ROA) | 0.7461% | 3,742 |
| Pretax return on assets | 1.1695% | 2,781 |
| Return on Equity (ROE) | 5.8282% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.8282% | 2,039 |
| Net charge-offs to loans | 0.9093% | 354 |
| Credit loss provision to net charge-offs | 8.1522% | 4,124 |
| Earnings coverage of net charge-offs (x) | 2.1413% | 4,235 |
| Efficiency ratio | 84.9825% | 1,288 |
| Assets per employee ($millions) | 3.6331% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0501% | 284 |
| Loan loss allowance to noncurrent loans | 179.7032% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 2.3430% | 1,004 |
| Noncurrent loans to loans | 1.6973% | 1,724 |
| Net loans and leases to total assets | 60.5468% | 3,709 |
| Net loans and leases to deposits | 70.9254% | 3,795 |
| Net loans and leases to core deposits | 96.1122% | 1,711 |
| Total domestic deposits to total assets | 85.3669% | 3,136 |
| Equity capital to assets | 12.0295% | 2,002 |
| Core capital (leverage) ratio | 12.3394% | 1,427 |
| Tier 1 risk-based capital ratio | 16.1562% | 2,887 |
| Total risk-based capital ratio | 17.4224% | 2,817 |
| Memoranda: | ||
| Average total assets | $162,032,000 | 3,462 |
| Average earning assets | $147,516,000 | 3,485 |
| Average equity | $20,743,800 | 3,077 |
| Average total loans | $101,175,800 | 3,395 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5033% | 5,387 |
| Cost of funding earning assets | 0.2922% | 4,961 |
| Net interest margin | 3.2110% | 4,928 |
| Noninterest income to average assets | 5.3919% | 113 |
| Noninterest expense to average assets | 7.0531% | 137 |
| Loan and lease loss provision to assets | 0.0633% | 3,086 |
| Net operating income to assets | 0.7627% | 3,613 |
| Return on assets (ROA) | 0.7627% | 3,706 |
| Pretax return on assets | 1.1955% | 2,792 |
| Return on Equity (ROE) | 5.8578% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.8578% | 2,497 |
| Net charge-offs to loans | 1.0093% | 299 |
| Credit loss provision to net charge-offs | 10.0402% | 3,704 |
| Earnings coverage of net charge-offs (x) | 1.9973% | 4,021 |
| Efficiency ratio | 84.8559% | 1,299 |
| Assets per employee ($millions) | 3.2266% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7111% | 200 |
| Loan loss allowance to noncurrent loans | 145.7669% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 2.7319% | 912 |
| Noncurrent loans to loans | 2.5459% | 1,142 |
| Net loans and leases to total assets | 60.9764% | 3,633 |
| Net loans and leases to deposits | 73.1912% | 3,538 |
| Net loans and leases to core deposits | 106.9436% | 902 |
| Total domestic deposits to total assets | 83.3111% | 4,025 |
| Equity capital to assets | 13.9148% | 1,037 |
| Core capital (leverage) ratio | 13.5288% | 989 |
| Tier 1 risk-based capital ratio | 18.3420% | 2,108 |
| Total risk-based capital ratio | 19.6147% | 2,064 |
| Memoranda: | ||
| Average total assets | $158,034,750 | 3,542 |
| Average earning assets | $143,710,000 | 3,577 |
| Average equity | $20,576,000 | 3,107 |
| Average total loans | $98,675,500 | 3,469 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 5,495 |
| Cost of funding earning assets | 0.2874% | 5,102 |
| Net interest margin | 3.1746% | 5,027 |
| Noninterest income to average assets | 5.0286% | 118 |
| Noninterest expense to average assets | 6.9879% | 136 |
| Loan and lease loss provision to assets | 0.0937% | 2,458 |
| Net operating income to assets | 0.5407% | 4,644 |
| Return on assets (ROA) | 0.5407% | 4,741 |
| Pretax return on assets | 0.8441% | 4,105 |
| Return on Equity (ROE) | 4.2450% | 5,042 |
| Retained earnings to average equity (ytd only) | 4.2450% | 3,472 |
| Net charge-offs to loans | 0.2692% | 1,471 |
| Credit loss provision to net charge-offs | 55.9701% | 2,702 |
| Earnings coverage of net charge-offs (x) | 5.6045% | 2,898 |
| Efficiency ratio | 88.1676% | 1,074 |
| Assets per employee ($millions) | 3.0969% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3579% | 138 |
| Loan loss allowance to noncurrent loans | 88.7968% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 4.5139% | 435 |
| Noncurrent loans to loans | 4.9077% | 410 |
| Net loans and leases to total assets | 61.6691% | 3,455 |
| Net loans and leases to deposits | 73.5851% | 3,378 |
| Net loans and leases to core deposits | 108.2249% | 759 |
| Total domestic deposits to total assets | 83.8066% | 3,995 |
| Equity capital to assets | 13.8934% | 1,016 |
| Core capital (leverage) ratio | 12.9125% | 1,188 |
| Tier 1 risk-based capital ratio | 18.4623% | 2,081 |
| Total risk-based capital ratio | 19.7431% | 2,023 |
| Memoranda: | ||
| Average total assets | $160,162,330 | 3,534 |
| Average earning assets | $146,159,670 | 3,561 |
| Average equity | $20,400,670 | 3,127 |
| Average total loans | $99,555,330 | 3,464 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3731% | 5,708 |
| Cost of funding earning assets | 0.2751% | 5,334 |
| Net interest margin | 3.0980% | 5,258 |
| Noninterest income to average assets | 4.8048% | 122 |
| Noninterest expense to average assets | 6.6515% | 155 |
| Loan and lease loss provision to assets | 0.1808% | 1,327 |
| Net operating income to assets | 0.5111% | 4,630 |
| Return on assets (ROA) | 0.5111% | 4,709 |
| Pretax return on assets | 0.7956% | 4,131 |
| Return on Equity (ROE) | 4.1826% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.1826% | 3,618 |
| Net charge-offs to loans | 0.1696% | 1,703 |
| Credit loss provision to net charge-offs | 174.4186% | 1,140 |
| Earnings coverage of net charge-offs (x) | 9.4186% | 1,933 |
| Efficiency ratio | 87.1997% | 1,321 |
| Assets per employee ($millions) | 3.3768% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3225% | 149 |
| Loan loss allowance to noncurrent loans | 91.4114% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 4.1305% | 557 |
| Noncurrent loans to loans | 4.7286% | 490 |
| Net loans and leases to total assets | 58.2851% | 3,797 |
| Net loans and leases to deposits | 68.3169% | 3,829 |
| Net loans and leases to core deposits | 95.9984% | 1,384 |
| Total domestic deposits to total assets | 85.3158% | 3,716 |
| Equity capital to assets | 12.5853% | 1,533 |
| Core capital (leverage) ratio | 11.6352% | 1,874 |
| Tier 1 risk-based capital ratio | 17.3065% | 2,552 |
| Total risk-based capital ratio | 18.5856% | 2,508 |
| Memoranda: | ||
| Average total assets | $165,917,000 | 3,467 |
| Average earning assets | $151,195,500 | 3,484 |
| Average equity | $20,274,500 | 3,138 |
| Average total loans | $101,408,000 | 3,439 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4478% | 5,735 |
| Cost of funding earning assets | 0.2954% | 5,635 |
| Net interest margin | 3.1524% | 5,153 |
| Noninterest income to average assets | 4.7435% | 144 |
| Noninterest expense to average assets | 5.9315% | 210 |
| Loan and lease loss provision to assets | 0.2205% | 1,655 |
| Net operating income to assets | 0.9668% | 2,485 |
| Return on assets (ROA) | 0.9668% | 2,550 |
| Pretax return on assets | 1.5032% | 1,439 |
| Return on Equity (ROE) | 8.4607% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.4607% | 919 |
| Net charge-offs to loans | 0.9085% | 672 |
| Credit loss provision to net charge-offs | 38.5802% | 4,071 |
| Earnings coverage of net charge-offs (x) | 3.0154% | 3,985 |
| Efficiency ratio | 77.4833% | 2,545 |
| Assets per employee ($millions) | 3.4642% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0701% | 193 |
| Loan loss allowance to noncurrent loans | 98.1919% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 3.7349% | 745 |
| Noncurrent loans to loans | 4.1450% | 680 |
| Net loans and leases to total assets | 58.8166% | 3,904 |
| Net loans and leases to deposits | 68.6431% | 3,957 |
| Net loans and leases to core deposits | 94.5696% | 1,558 |
| Total domestic deposits to total assets | 85.6847% | 3,408 |
| Equity capital to assets | 11.8705% | 1,887 |
| Core capital (leverage) ratio | 11.6375% | 1,863 |
| Tier 1 risk-based capital ratio | 16.1481% | 3,035 |
| Total risk-based capital ratio | 17.4247% | 2,971 |
| Memoranda: | ||
| Average total assets | $170,041,600 | 3,409 |
| Average earning assets | $157,054,800 | 3,386 |
| Average equity | $19,431,000 | 3,220 |
| Average total loans | $106,984,800 | 3,306 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3978% | 5,878 |
| Cost of funding earning assets | 0.2959% | 5,768 |
| Net interest margin | 3.1020% | 5,312 |
| Noninterest income to average assets | 4.8178% | 148 |
| Noninterest expense to average assets | 5.8555% | 218 |
| Loan and lease loss provision to assets | 0.2351% | 1,535 |
| Net operating income to assets | 1.0432% | 2,213 |
| Return on assets (ROA) | 1.0432% | 2,292 |
| Pretax return on assets | 1.6114% | 1,317 |
| Return on Equity (ROE) | 9.2182% | 2,531 |
| Retained earnings to average equity (ytd only) | 9.2182% | 996 |
| Net charge-offs to loans | 0.4456% | 1,442 |
| Credit loss provision to net charge-offs | 83.3333% | 2,766 |
| Earnings coverage of net charge-offs (x) | 6.5444% | 2,954 |
| Efficiency ratio | 76.0252% | 2,726 |
| Assets per employee ($millions) | 3.4132% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4845% | 165 |
| Loan loss allowance to noncurrent loans | 88.2092% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 3.3149% | 1,063 |
| Noncurrent loans to loans | 5.0839% | 580 |
| Net loans and leases to total assets | 62.0502% | 3,350 |
| Net loans and leases to deposits | 72.5086% | 3,454 |
| Net loans and leases to core deposits | 115.5057% | 410 |
| Total domestic deposits to total assets | 85.5763% | 3,459 |
| Equity capital to assets | 12.1250% | 1,845 |
| Core capital (leverage) ratio | 11.2705% | 2,229 |
| Tier 1 risk-based capital ratio | 16.0818% | 3,148 |
| Total risk-based capital ratio | 17.3643% | 3,088 |
| Memoranda: | ||
| Average total assets | $170,115,000 | 3,442 |
| Average earning assets | $158,175,000 | 3,408 |
| Average equity | $19,251,250 | 3,282 |
| Average total loans | $107,712,000 | 3,310 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3547% | 5,994 |
| Cost of funding earning assets | 0.3361% | 5,512 |
| Net interest margin | 3.0186% | 5,527 |
| Noninterest income to average assets | 4.8534% | 151 |
| Noninterest expense to average assets | 5.5979% | 252 |
| Loan and lease loss provision to assets | 0.2613% | 1,418 |
| Net operating income to assets | 1.1776% | 1,649 |
| Return on assets (ROA) | 1.1776% | 1,757 |
| Pretax return on assets | 1.8001% | 928 |
| Return on Equity (ROE) | 10.6475% | 1,945 |
| Retained earnings to average equity (ytd only) | 10.6475% | 713 |
| Net charge-offs to loans | 0.1683% | 2,770 |
| Credit loss provision to net charge-offs | 247.2527% | 1,022 |
| Earnings coverage of net charge-offs (x) | 19.5055% | 1,505 |
| Efficiency ratio | 73.0857% | 3,291 |
| Assets per employee ($millions) | 3.3937% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6227% | 161 |
| Loan loss allowance to noncurrent loans | 86.8660% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 3.3815% | 1,152 |
| Noncurrent loans to loans | 5.3216% | 583 |
| Net loans and leases to total assets | 60.3951% | 3,593 |
| Net loans and leases to deposits | 69.9035% | 3,728 |
| Net loans and leases to core deposits | 108.5453% | 624 |
| Total domestic deposits to total assets | 86.3978% | 3,167 |
| Equity capital to assets | 11.4995% | 2,296 |
| Core capital (leverage) ratio | 11.6981% | 1,800 |
| Tier 1 risk-based capital ratio | 15.7109% | 3,359 |
| Total risk-based capital ratio | 16.9947% | 3,286 |
| Memoranda: | ||
| Average total assets | $172,208,330 | 3,428 |
| Average earning assets | $160,071,670 | 3,395 |
| Average equity | $19,046,670 | 3,325 |
| Average total loans | $108,138,330 | 3,317 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3599% | 6,027 |
| Cost of funding earning assets | 0.3350% | 5,676 |
| Net interest margin | 3.0249% | 5,509 |
| Noninterest income to average assets | 4.7916% | 153 |
| Noninterest expense to average assets | 5.3312% | 295 |
| Loan and lease loss provision to assets | 0.3459% | 952 |
| Net operating income to assets | 1.4250% | 990 |
| Return on assets (ROA) | 1.4250% | 1,074 |
| Pretax return on assets | 1.9254% | 700 |
| Return on Equity (ROE) | 13.1395% | 1,136 |
| Retained earnings to average equity (ytd only) | 13.1395% | 540 |
| Net charge-offs to loans | 0.1438% | 2,544 |
| Credit loss provision to net charge-offs | 384.6154% | 655 |
| Earnings coverage of net charge-offs (x) | 25.2564% | 1,055 |
| Efficiency ratio | 70.1244% | 3,946 |
| Assets per employee ($millions) | 3.5446% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5838% | 184 |
| Loan loss allowance to noncurrent loans | 85.4624% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 3.4119% | 1,266 |
| Noncurrent loans to loans | 5.3636% | 691 |
| Net loans and leases to total assets | 60.4876% | 3,348 |
| Net loans and leases to deposits | 69.7512% | 3,527 |
| Net loans and leases to core deposits | 107.9296% | 565 |
| Total domestic deposits to total assets | 86.7191% | 3,119 |
| Equity capital to assets | 11.2385% | 2,694 |
| Core capital (leverage) ratio | 10.4435% | 2,852 |
| Tier 1 risk-based capital ratio | 15.1545% | 3,736 |
| Total risk-based capital ratio | 16.4375% | 3,665 |
| Memoranda: | ||
| Average total assets | $173,469,500 | 3,439 |
| Average earning assets | $161,194,000 | 3,411 |
| Average equity | $18,813,500 | 3,400 |
| Average total loans | $108,483,000 | 3,323 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 4,160 |
| Cost of funding earning assets | 0.2302% | 6,750 |
| Net interest margin | 4.0783% | 2,089 |
| Noninterest income to average assets | 5.4101% | 133 |
| Noninterest expense to average assets | 6.5292% | 179 |
| Loan and lease loss provision to assets | 0.8559% | 545 |
| Net operating income to assets | 1.1555% | 1,756 |
| Return on assets (ROA) | 1.1555% | 1,914 |
| Pretax return on assets | 1.7268% | 1,075 |
| Return on Equity (ROE) | 8.9711% | 2,650 |
| Retained earnings to average equity (ytd only) | 6.2022% | 1,971 |
| Net charge-offs to loans | 0.2348% | 3,529 |
| Credit loss provision to net charge-offs | 493.8272% | 493 |
| Earnings coverage of net charge-offs (x) | 14.9012% | 1,695 |
| Efficiency ratio | 71.6556% | 3,484 |
| Assets per employee ($millions) | 3.6833% | 4,599 |
| Cash dividends to net income (ytd only)* | 30.8642% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4295% | 203 |
| Loan loss allowance to noncurrent loans | 84.1839% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 3.3066% | 1,388 |
| Noncurrent loans to loans | 5.2617% | 733 |
| Net loans and leases to total assets | 58.9796% | 3,799 |
| Net loans and leases to deposits | 67.1730% | 4,110 |
| Net loans and leases to core deposits | 102.2374% | 880 |
| Total domestic deposits to total assets | 87.8026% | 2,344 |
| Equity capital to assets | 10.4672% | 3,563 |
| Core capital (leverage) ratio | 13.1409% | 1,062 |
| Tier 1 risk-based capital ratio | 14.5426% | 3,999 |
| Total risk-based capital ratio | 15.8244% | 3,935 |
| Memoranda: | ||
| Average total assets | $140,200,200 | 3,949 |
| Average earning assets | $127,258,400 | 3,963 |
| Average equity | $18,058,000 | 3,456 |
| Average total loans | $103,486,000 | 3,447 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6480% | 3,022 |
| Cost of funding earning assets | 0.2677% | 6,741 |
| Net interest margin | 4.3803% | 1,248 |
| Noninterest income to average assets | 5.7503% | 129 |
| Noninterest expense to average assets | 6.9132% | 151 |
| Loan and lease loss provision to assets | 0.9157% | 479 |
| Net operating income to assets | 1.2595% | 1,542 |
| Return on assets (ROA) | 1.2595% | 1,708 |
| Pretax return on assets | 1.8669% | 929 |
| Return on Equity (ROE) | 9.1978% | 2,710 |
| Retained earnings to average equity (ytd only) | 7.3404% | 1,925 |
| Net charge-offs to loans | 0.2416% | 3,271 |
| Credit loss provision to net charge-offs | 486.4865% | 552 |
| Earnings coverage of net charge-offs (x) | 14.7838% | 1,816 |
| Efficiency ratio | 71.3012% | 3,448 |
| Assets per employee ($millions) | 2.5549% | 6,646 |
| Cash dividends to net income (ytd only)* | 20.1941% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5617% | 199 |
| Loan loss allowance to noncurrent loans | 184.7485% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 2.9266% | 1,791 |
| Noncurrent loans to loans | 2.4691% | 2,332 |
| Net loans and leases to total assets | 78.3233% | 692 |
| Net loans and leases to deposits | 96.5181% | 628 |
| Net loans and leases to core deposits | 99.7155% | 1,141 |
| Total domestic deposits to total assets | 81.1488% | 5,314 |
| Equity capital to assets | 14.9861% | 825 |
| Core capital (leverage) ratio | 11.7624% | 1,798 |
| Tier 1 risk-based capital ratio | 16.7390% | 2,880 |
| Total risk-based capital ratio | 18.0253% | 2,813 |
| Memoranda: | ||
| Average total assets | $131,050,250 | 4,155 |
| Average earning assets | $118,039,500 | 4,199 |
| Average equity | $17,946,000 | 3,513 |
| Average total loans | $102,080,250 | 3,511 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5462% | 3,577 |
| Cost of funding earning assets | 0.2995% | 6,742 |
| Net interest margin | 4.2466% | 1,616 |
| Noninterest income to average assets | 5.6016% | 125 |
| Noninterest expense to average assets | 6.7804% | 151 |
| Loan and lease loss provision to assets | 0.8965% | 522 |
| Net operating income to assets | 1.2237% | 1,629 |
| Return on assets (ROA) | 1.2237% | 1,824 |
| Pretax return on assets | 1.7586% | 1,117 |
| Return on Equity (ROE) | 9.2012% | 2,715 |
| Retained earnings to average equity (ytd only) | 9.2012% | 1,208 |
| Net charge-offs to loans | 0.2340% | 3,170 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 14.8083% | 1,687 |
| Efficiency ratio | 71.8606% | 3,451 |
| Assets per employee ($millions) | 2.8964% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3035% | 270 |
| Loan loss allowance to noncurrent loans | 168.7718% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 2.5964% | 2,135 |
| Noncurrent loans to loans | 2.5499% | 2,364 |
| Net loans and leases to total assets | 68.2504% | 2,250 |
| Net loans and leases to deposits | 80.5323% | 2,308 |
| Net loans and leases to core deposits | 85.7341% | 2,463 |
| Total domestic deposits to total assets | 84.7491% | 3,975 |
| Equity capital to assets | 12.8306% | 1,604 |
| Core capital (leverage) ratio | 13.6541% | 919 |
| Tier 1 risk-based capital ratio | 15.8789% | 3,221 |
| Total risk-based capital ratio | 17.1603% | 3,178 |
| Memoranda: | ||
| Average total assets | $133,855,670 | 4,119 |
| Average earning assets | $120,849,000 | 4,151 |
| Average equity | $17,802,000 | 3,524 |
| Average total loans | $102,559,670 | 3,502 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 2,734 |
| Cost of funding earning assets | 0.3148% | 6,798 |
| Net interest margin | 4.4615% | 1,082 |
| Noninterest income to average assets | 5.5523% | 128 |
| Noninterest expense to average assets | 7.0220% | 139 |
| Loan and lease loss provision to assets | 0.9244% | 473 |
| Net operating income to assets | 1.2510% | 1,599 |
| Return on assets (ROA) | 1.2510% | 1,771 |
| Pretax return on assets | 1.6238% | 1,491 |
| Return on Equity (ROE) | 9.2283% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.2283% | 1,506 |
| Net charge-offs to loans | 0.2286% | 2,786 |
| Credit loss provision to net charge-offs | 508.4746% | 640 |
| Earnings coverage of net charge-offs (x) | 14.0169% | 1,496 |
| Efficiency ratio | 73.3741% | 3,192 |
| Assets per employee ($millions) | 2.7790% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0997% | 345 |
| Loan loss allowance to noncurrent loans | 158.8349% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 3.1459% | 1,843 |
| Noncurrent loans to loans | 2.5811% | 2,526 |
| Net loans and leases to total assets | 73.7323% | 1,108 |
| Net loans and leases to deposits | 88.2317% | 1,138 |
| Net loans and leases to core deposits | 94.5538% | 1,410 |
| Total domestic deposits to total assets | 83.5667% | 4,690 |
| Equity capital to assets | 13.6280% | 1,184 |
| Core capital (leverage) ratio | 11.8415% | 1,681 |
| Tier 1 risk-based capital ratio | 15.8416% | 3,253 |
| Total risk-based capital ratio | 17.1211% | 3,213 |
| Memoranda: | ||
| Average total assets | $129,820,500 | 4,233 |
| Average earning assets | $116,911,000 | 4,275 |
| Average equity | $17,598,000 | 3,554 |
| Average total loans | $103,229,000 | 3,520 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 2,949 |
| Cost of funding earning assets | 0.3489% | 7,013 |
| Net interest margin | 4.6358% | 858 |
| Noninterest income to average assets | 5.6340% | 107 |
| Noninterest expense to average assets | 7.1415% | 135 |
| Loan and lease loss provision to assets | 1.0947% | 826 |
| Net operating income to assets | 1.0177% | 2,138 |
| Return on assets (ROA) | 1.0177% | 2,282 |
| Pretax return on assets | 1.5885% | 1,231 |
| Return on Equity (ROE) | 7.4421% | 3,179 |
| Retained earnings to average equity (ytd only) | 6.2561% | 1,875 |
| Net charge-offs to loans | 0.4874% | 3,044 |
| Credit loss provision to net charge-offs | 273.2794% | 875 |
| Earnings coverage of net charge-offs (x) | 6.6984% | 2,466 |
| Efficiency ratio | 72.6890% | 3,450 |
| Assets per employee ($millions) | 2.6881% | 6,621 |
| Cash dividends to net income (ytd only)* | 15.9363% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6553% | 483 |
| Loan loss allowance to noncurrent loans | 154.5455% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 3.1311% | 1,904 |
| Noncurrent loans to loans | 2.3652% | 2,770 |
| Net loans and leases to total assets | 79.1774% | 584 |
| Net loans and leases to deposits | 94.0510% | 812 |
| Net loans and leases to core deposits | 100.8251% | 1,106 |
| Total domestic deposits to total assets | 84.1856% | 4,241 |
| Equity capital to assets | 13.4823% | 1,272 |
| Core capital (leverage) ratio | 12.8744% | 1,190 |
| Tier 1 risk-based capital ratio | 14.7990% | 3,756 |
| Total risk-based capital ratio | 16.0742% | 3,726 |
| Memoranda: | ||
| Average total assets | $123,321,800 | 4,306 |
| Average earning assets | $111,480,800 | 4,356 |
| Average equity | $16,863,600 | 3,597 |
| Average total loans | $101,357,400 | 3,585 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 3,013 |
| Cost of funding earning assets | 0.3492% | 7,128 |
| Net interest margin | 4.6656% | 822 |
| Noninterest income to average assets | 5.6036% | 114 |
| Noninterest expense to average assets | 7.2880% | 130 |
| Loan and lease loss provision to assets | 1.1485% | 696 |
| Net operating income to assets | 0.8947% | 2,756 |
| Return on assets (ROA) | 0.8947% | 2,906 |
| Pretax return on assets | 1.3902% | 1,968 |
| Return on Equity (ROE) | 6.5189% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.5189% | 2,231 |
| Net charge-offs to loans | 0.2036% | 4,176 |
| Credit loss provision to net charge-offs | 686.2745% | 391 |
| Earnings coverage of net charge-offs (x) | 15.1703% | 1,485 |
| Efficiency ratio | 74.1652% | 3,144 |
| Assets per employee ($millions) | 2.6211% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8664% | 433 |
| Loan loss allowance to noncurrent loans | 111.4050% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 3.2867% | 1,929 |
| Noncurrent loans to loans | 3.4706% | 1,978 |
| Net loans and leases to total assets | 79.0563% | 600 |
| Net loans and leases to deposits | 94.5167% | 795 |
| Net loans and leases to core deposits | 103.9392% | 987 |
| Total domestic deposits to total assets | 83.6426% | 4,408 |
| Equity capital to assets | 13.9311% | 1,185 |
| Core capital (leverage) ratio | 13.5225% | 1,035 |
| Tier 1 risk-based capital ratio | 15.5935% | 3,337 |
| Total risk-based capital ratio | 16.8720% | 3,286 |
| Memoranda: | ||
| Average total assets | $121,895,250 | 4,367 |
| Average earning assets | $110,336,750 | 4,415 |
| Average equity | $16,730,500 | 3,626 |
| Average total loans | $100,187,500 | 3,644 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0665% | 2,849 |
| Cost of funding earning assets | 0.3451% | 7,233 |
| Net interest margin | 4.7214% | 694 |
| Noninterest income to average assets | 5.5490% | 120 |
| Noninterest expense to average assets | 7.2236% | 135 |
| Loan and lease loss provision to assets | 1.2349% | 623 |
| Net operating income to assets | 0.8694% | 2,772 |
| Return on assets (ROA) | 0.8694% | 2,866 |
| Pretax return on assets | 1.3486% | 1,971 |
| Return on Equity (ROE) | 6.3666% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.3666% | 2,206 |
| Net charge-offs to loans | 0.2064% | 3,914 |
| Credit loss provision to net charge-offs | 728.1553% | 445 |
| Earnings coverage of net charge-offs (x) | 15.2330% | 1,417 |
| Efficiency ratio | 73.6568% | 3,425 |
| Assets per employee ($millions) | 2.6550% | 6,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6614% | 525 |
| Loan loss allowance to noncurrent loans | 73.6345% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 4.4181% | 1,429 |
| Noncurrent loans to loans | 4.9724% | 1,320 |
| Net loans and leases to total assets | 77.3230% | 868 |
| Net loans and leases to deposits | 91.8608% | 1,076 |
| Net loans and leases to core deposits | 100.8276% | 1,268 |
| Total domestic deposits to total assets | 84.1741% | 4,275 |
| Equity capital to assets | 13.5227% | 1,279 |
| Core capital (leverage) ratio | 13.4113% | 1,020 |
| Tier 1 risk-based capital ratio | 15.4682% | 3,266 |
| Total risk-based capital ratio | 16.7444% | 3,190 |
| Memoranda: | ||
| Average total assets | $121,463,000 | 4,406 |
| Average earning assets | $109,542,670 | 4,465 |
| Average equity | $16,586,670 | 3,638 |
| Average total loans | $99,814,000 | 3,689 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 3,362 |
| Cost of funding earning assets | 0.3319% | 7,350 |
| Net interest margin | 4.6098% | 846 |
| Noninterest income to average assets | 5.5758% | 124 |
| Noninterest expense to average assets | 7.3587% | 132 |
| Loan and lease loss provision to assets | 1.2521% | 554 |
| Net operating income to assets | 0.7078% | 3,490 |
| Return on assets (ROA) | 0.7078% | 3,556 |
| Pretax return on assets | 1.0918% | 2,787 |
| Return on Equity (ROE) | 5.1572% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.1572% | 3,087 |
| Net charge-offs to loans | 0.2770% | 2,959 |
| Credit loss provision to net charge-offs | 543.4783% | 671 |
| Earnings coverage of net charge-offs (x) | 10.1739% | 1,654 |
| Efficiency ratio | 75.8431% | 3,183 |
| Assets per employee ($millions) | 2.4976% | 6,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2843% | 719 |
| Loan loss allowance to noncurrent loans | 47.4736% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 6.4222% | 873 |
| Noncurrent loans to loans | 6.9181% | 811 |
| Net loans and leases to total assets | 83.4354% | 252 |
| Net loans and leases to deposits | 100.1319% | 462 |
| Net loans and leases to core deposits | 110.7037% | 690 |
| Total domestic deposits to total assets | 83.3255% | 4,780 |
| Equity capital to assets | 14.0959% | 980 |
| Core capital (leverage) ratio | 12.6784% | 1,251 |
| Tier 1 risk-based capital ratio | 15.1334% | 3,354 |
| Total risk-based capital ratio | 16.4059% | 3,300 |
| Memoranda: | ||
| Average total assets | $119,803,000 | 4,487 |
| Average earning assets | $107,250,500 | 4,547 |
| Average equity | $16,443,000 | 3,645 |
| Average total loans | $99,644,500 | 3,734 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9205% | 4,918 |
| Cost of funding earning assets | 0.3558% | 7,464 |
| Net interest margin | 4.5647% | 1,092 |
| Noninterest income to average assets | 5.5771% | 122 |
| Noninterest expense to average assets | 7.2717% | 142 |
| Loan and lease loss provision to assets | 1.3653% | 1,107 |
| Net operating income to assets | 0.7304% | 3,098 |
| Return on assets (ROA) | 0.7304% | 3,221 |
| Pretax return on assets | 1.1338% | 2,447 |
| Return on Equity (ROE) | 5.6435% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.6435% | 2,020 |
| Net charge-offs to loans | 0.7780% | 2,693 |
| Credit loss provision to net charge-offs | 213.6480% | 1,425 |
| Earnings coverage of net charge-offs (x) | 3.9107% | 3,136 |
| Efficiency ratio | 74.4223% | 3,315 |
| Assets per employee ($millions) | 2.6004% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0810% | 814 |
| Loan loss allowance to noncurrent loans | 60.7035% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 4.5067% | 1,487 |
| Noncurrent loans to loans | 5.0755% | 1,316 |
| Net loans and leases to total assets | 77.7298% | 982 |
| Net loans and leases to deposits | 92.7634% | 1,165 |
| Net loans and leases to core deposits | 102.0737% | 1,451 |
| Total domestic deposits to total assets | 83.7936% | 4,455 |
| Equity capital to assets | 13.3688% | 1,232 |
| Core capital (leverage) ratio | 12.7447% | 1,223 |
| Tier 1 risk-based capital ratio | 15.0373% | 3,225 |
| Total risk-based capital ratio | 16.3062% | 3,161 |
| Memoranda: | ||
| Average total assets | $122,680,600 | 4,430 |
| Average earning assets | $112,711,600 | 4,405 |
| Average equity | $15,876,800 | 3,791 |
| Average total loans | $100,776,800 | 3,771 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 5,228 |
| Cost of funding earning assets | 0.3653% | 7,598 |
| Net interest margin | 4.5423% | 1,163 |
| Noninterest income to average assets | 5.5027% | 126 |
| Noninterest expense to average assets | 7.1043% | 146 |
| Loan and lease loss provision to assets | 1.4115% | 954 |
| Net operating income to assets | 0.7720% | 3,124 |
| Return on assets (ROA) | 0.7720% | 3,275 |
| Pretax return on assets | 1.1987% | 2,495 |
| Return on Equity (ROE) | 6.0146% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.0146% | 2,344 |
| Net charge-offs to loans | 0.8384% | 2,359 |
| Credit loss provision to net charge-offs | 203.7618% | 1,745 |
| Earnings coverage of net charge-offs (x) | 3.7680% | 3,302 |
| Efficiency ratio | 73.1307% | 3,497 |
| Assets per employee ($millions) | 2.5094% | 7,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8552% | 952 |
| Loan loss allowance to noncurrent loans | 55.5312% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 4.7133% | 1,401 |
| Noncurrent loans to loans | 5.1416% | 1,333 |
| Net loans and leases to total assets | 80.5135% | 664 |
| Net loans and leases to deposits | 96.2546% | 952 |
| Net loans and leases to core deposits | 107.2716% | 1,212 |
| Total domestic deposits to total assets | 83.6463% | 4,295 |
| Equity capital to assets | 13.7092% | 1,276 |
| Core capital (leverage) ratio | 13.3106% | 1,114 |
| Tier 1 risk-based capital ratio | 15.0986% | 3,202 |
| Total risk-based capital ratio | 16.3658% | 3,176 |
| Memoranda: | ||
| Average total assets | $122,796,500 | 4,481 |
| Average earning assets | $113,861,000 | 4,431 |
| Average equity | $15,761,250 | 3,848 |
| Average total loans | $101,466,250 | 3,817 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8872% | 5,448 |
| Cost of funding earning assets | 0.3703% | 7,680 |
| Net interest margin | 4.5169% | 1,171 |
| Noninterest income to average assets | 5.2325% | 132 |
| Noninterest expense to average assets | 6.9783% | 153 |
| Loan and lease loss provision to assets | 1.4870% | 892 |
| Net operating income to assets | 0.6253% | 3,756 |
| Return on assets (ROA) | 0.6253% | 3,894 |
| Pretax return on assets | 0.9629% | 3,264 |
| Return on Equity (ROE) | 4.9791% | 4,294 |
| Retained earnings to average equity (ytd only) | 4.9791% | 2,915 |
| Net charge-offs to loans | 0.8315% | 2,176 |
| Credit loss provision to net charge-offs | 216.6276% | 1,805 |
| Earnings coverage of net charge-offs (x) | 3.5691% | 3,264 |
| Efficiency ratio | 74.0153% | 3,473 |
| Assets per employee ($millions) | 2.5062% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5511% | 1,238 |
| Loan loss allowance to noncurrent loans | 77.4926% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 3.3305% | 2,117 |
| Noncurrent loans to loans | 3.2920% | 2,432 |
| Net loans and leases to total assets | 85.1924% | 279 |
| Net loans and leases to deposits | 100.2397% | 702 |
| Net loans and leases to core deposits | 111.5274% | 1,059 |
| Total domestic deposits to total assets | 84.9887% | 3,633 |
| Equity capital to assets | 13.4509% | 1,366 |
| Core capital (leverage) ratio | 13.1206% | 1,169 |
| Tier 1 risk-based capital ratio | 14.1236% | 3,652 |
| Total risk-based capital ratio | 15.3867% | 3,602 |
| Memoranda: | ||
| Average total assets | $124,414,330 | 4,481 |
| Average earning assets | $115,566,670 | 4,425 |
| Average equity | $15,625,330 | 3,865 |
| Average total loans | $102,704,670 | 3,813 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 5,852 |
| Cost of funding earning assets | 0.3934% | 7,778 |
| Net interest margin | 4.4187% | 1,338 |
| Noninterest income to average assets | 4.8072% | 144 |
| Noninterest expense to average assets | 6.3855% | 179 |
| Loan and lease loss provision to assets | 1.8790% | 599 |
| Net operating income to assets | 0.4416% | 4,655 |
| Return on assets (ROA) | 0.4416% | 4,784 |
| Pretax return on assets | 0.6577% | 4,382 |
| Return on Equity (ROE) | 3.6350% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.6350% | 3,974 |
| Net charge-offs to loans | 1.3493% | 1,274 |
| Credit loss provision to net charge-offs | 173.4104% | 2,092 |
| Earnings coverage of net charge-offs (x) | 2.3410% | 3,374 |
| Efficiency ratio | 71.5690% | 4,005 |
| Assets per employee ($millions) | 2.5644% | 7,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3160% | 1,553 |
| Loan loss allowance to noncurrent loans | 69.8008% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 3.4325% | 2,054 |
| Noncurrent loans to loans | 3.3179% | 2,410 |
| Net loans and leases to total assets | 83.3951% | 444 |
| Net loans and leases to deposits | 96.3783% | 1,065 |
| Net loans and leases to core deposits | 106.7494% | 1,511 |
| Total domestic deposits to total assets | 86.5289% | 2,882 |
| Equity capital to assets | 12.9309% | 1,551 |
| Core capital (leverage) ratio | 10.2938% | 2,818 |
| Tier 1 risk-based capital ratio | 13.8940% | 3,729 |
| Total risk-based capital ratio | 15.1555% | 3,681 |
| Memoranda: | ||
| Average total assets | $127,726,000 | 4,463 |
| Average earning assets | $118,950,000 | 4,403 |
| Average equity | $15,516,000 | 3,916 |
| Average total loans | $102,569,000 | 3,869 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9070% | 6,694 |
| Cost of funding earning assets | 0.4407% | 7,861 |
| Net interest margin | 4.4662% | 1,250 |
| Noninterest income to average assets | 5.6738% | 124 |
| Noninterest expense to average assets | 7.1476% | 197 |
| Loan and lease loss provision to assets | 0.8985% | 2,506 |
| Net operating income to assets | 1.1370% | 1,417 |
| Return on assets (ROA) | 1.1370% | 1,445 |
| Pretax return on assets | 1.7921% | 646 |
| Return on Equity (ROE) | 9.4601% | 1,869 |
| Retained earnings to average equity (ytd only) | 8.4545% | 597 |
| Net charge-offs to loans | 0.7953% | 2,835 |
| Credit loss provision to net charge-offs | 140.4282% | 3,461 |
| Earnings coverage of net charge-offs (x) | 4.2053% | 3,021 |
| Efficiency ratio | 72.6513% | 4,157 |
| Assets per employee ($millions) | 2.8708% | 6,513 |
| Cash dividends to net income (ytd only)* | 10.6308% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0823% | 1,853 |
| Loan loss allowance to noncurrent loans | 90.5187% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 2.2790% | 3,033 |
| Noncurrent loans to loans | 2.3004% | 3,286 |
| Net loans and leases to total assets | 74.1986% | 2,223 |
| Net loans and leases to deposits | 84.4089% | 3,195 |
| Net loans and leases to core deposits | 84.4089% | 5,682 |
| Total domestic deposits to total assets | 87.9038% | 2,012 |
| Equity capital to assets | 11.4484% | 2,356 |
| Core capital (leverage) ratio | 11.1178% | 2,159 |
| Tier 1 risk-based capital ratio | 13.2745% | 3,967 |
| Total risk-based capital ratio | 14.5320% | 3,906 |
| Memoranda: | ||
| Average total assets | $124,097,600 | 4,472 |
| Average earning assets | $115,712,800 | 4,403 |
| Average equity | $14,915,200 | 4,075 |
| Average total loans | $99,830,800 | 3,958 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 6,638 |
| Cost of funding earning assets | 0.4603% | 7,957 |
| Net interest margin | 4.5273% | 1,127 |
| Noninterest income to average assets | 5.9344% | 125 |
| Noninterest expense to average assets | 7.2843% | 185 |
| Loan and lease loss provision to assets | 0.8128% | 2,339 |
| Net operating income to assets | 1.3059% | 1,200 |
| Return on assets (ROA) | 1.3059% | 1,278 |
| Pretax return on assets | 2.0616% | 485 |
| Return on Equity (ROE) | 10.7243% | 1,700 |
| Retained earnings to average equity (ytd only) | 10.7243% | 508 |
| Net charge-offs to loans | 0.6920% | 2,617 |
| Credit loss provision to net charge-offs | 143.6893% | 3,405 |
| Earnings coverage of net charge-offs (x) | 5.0816% | 2,930 |
| Efficiency ratio | 71.7050% | 4,297 |
| Assets per employee ($millions) | 2.6835% | 6,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9888% | 1,829 |
| Loan loss allowance to noncurrent loans | 109.1251% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 2.0949% | 3,218 |
| Noncurrent loans to loans | 1.8225% | 3,882 |
| Net loans and leases to total assets | 81.1649% | 953 |
| Net loans and leases to deposits | 93.8618% | 1,907 |
| Net loans and leases to core deposits | 93.8618% | 5,025 |
| Total domestic deposits to total assets | 86.4728% | 2,439 |
| Equity capital to assets | 12.4579% | 1,980 |
| Core capital (leverage) ratio | 11.1751% | 2,280 |
| Tier 1 risk-based capital ratio | 13.3268% | 3,969 |
| Total risk-based capital ratio | 14.5830% | 3,914 |
| Memoranda: | ||
| Average total assets | $121,390,250 | 4,563 |
| Average earning assets | $113,265,500 | 4,505 |
| Average equity | $14,782,250 | 4,137 |
| Average total loans | $99,227,750 | 4,008 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8639% | 7,109 |
| Cost of funding earning assets | 0.4859% | 8,046 |
| Net interest margin | 4.3781% | 1,459 |
| Noninterest income to average assets | 6.0477% | 118 |
| Noninterest expense to average assets | 7.3915% | 192 |
| Loan and lease loss provision to assets | 0.6959% | 2,343 |
| Net operating income to assets | 1.2940% | 1,242 |
| Return on assets (ROA) | 1.2940% | 1,325 |
| Pretax return on assets | 2.0363% | 512 |
| Return on Equity (ROE) | 10.7106% | 1,789 |
| Retained earnings to average equity (ytd only) | 10.7106% | 610 |
| Net charge-offs to loans | 0.8002% | 2,082 |
| Credit loss provision to net charge-offs | 106.8702% | 4,314 |
| Earnings coverage of net charge-offs (x) | 4.1959% | 3,179 |
| Efficiency ratio | 73.0115% | 4,193 |
| Assets per employee ($millions) | 2.5877% | 7,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 1,879 |
| Loan loss allowance to noncurrent loans | 150.5332% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.9814% | 5,005 |
| Noncurrent loans to loans | 1.2381% | 4,735 |
| Net loans and leases to total assets | 77.7900% | 1,797 |
| Net loans and leases to deposits | 89.0904% | 2,978 |
| Net loans and leases to core deposits | 89.0904% | 5,623 |
| Total domestic deposits to total assets | 87.3158% | 2,093 |
| Equity capital to assets | 12.0489% | 2,175 |
| Core capital (leverage) ratio | 11.8005% | 1,921 |
| Tier 1 risk-based capital ratio | 13.4568% | 3,837 |
| Total risk-based capital ratio | 14.7113% | 3,777 |
| Memoranda: | ||
| Average total assets | $120,707,000 | 4,618 |
| Average earning assets | $112,378,670 | 4,557 |
| Average equity | $14,583,670 | 4,186 |
| Average total loans | $98,229,330 | 4,056 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8517% | 7,285 |
| Cost of funding earning assets | 0.5828% | 8,064 |
| Net interest margin | 4.2689% | 1,678 |
| Noninterest income to average assets | 6.2612% | 110 |
| Noninterest expense to average assets | 7.4179% | 183 |
| Loan and lease loss provision to assets | 0.7061% | 1,807 |
| Net operating income to assets | 1.3282% | 1,317 |
| Return on assets (ROA) | 1.3282% | 1,419 |
| Pretax return on assets | 2.0781% | 561 |
| Return on Equity (ROE) | 10.9779% | 1,966 |
| Retained earnings to average equity (ytd only) | 10.9779% | 974 |
| Net charge-offs to loans | 0.3017% | 2,901 |
| Credit loss provision to net charge-offs | 283.7838% | 1,700 |
| Earnings coverage of net charge-offs (x) | 11.1892% | 1,890 |
| Efficiency ratio | 72.7093% | 4,057 |
| Assets per employee ($millions) | 2.4898% | 7,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9299% | 1,557 |
| Loan loss allowance to noncurrent loans | 174.0376% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.9346% | 4,851 |
| Noncurrent loans to loans | 1.1089% | 4,767 |
| Net loans and leases to total assets | 82.6593% | 906 |
| Net loans and leases to deposits | 102.7597% | 1,112 |
| Net loans and leases to core deposits | 102.7597% | 4,262 |
| Total domestic deposits to total assets | 80.4395% | 5,194 |
| Equity capital to assets | 12.2039% | 2,136 |
| Core capital (leverage) ratio | 13.1268% | 1,443 |
| Tier 1 risk-based capital ratio | 13.2186% | 4,039 |
| Total risk-based capital ratio | 14.4754% | 3,959 |
| Memoranda: | ||
| Average total assets | $118,955,500 | 4,681 |
| Average earning assets | $109,817,500 | 4,645 |
| Average equity | $14,392,500 | 4,247 |
| Average total loans | $98,115,000 | 4,086 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8395% | 6,300 |
| Cost of funding earning assets | 1.4448% | 7,690 |
| Net interest margin | 4.3947% | 1,697 |
| Noninterest income to average assets | 7.1458% | 95 |
| Noninterest expense to average assets | 8.0511% | 219 |
| Loan and lease loss provision to assets | 0.6671% | 2,177 |
| Net operating income to assets | 1.6003% | 836 |
| Return on assets (ROA) | 1.6003% | 802 |
| Pretax return on assets | 2.4410% | 225 |
| Return on Equity (ROE) | 13.7227% | 1,160 |
| Retained earnings to average equity (ytd only) | 13.7227% | 132 |
| Net charge-offs to loans | 0.8774% | 1,418 |
| Credit loss provision to net charge-offs | 95.5056% | 5,533 |
| Earnings coverage of net charge-offs (x) | 4.4494% | 3,982 |
| Efficiency ratio | 72.1475% | 3,910 |
| Assets per employee ($millions) | 2.4667% | 7,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 1,431 |
| Loan loss allowance to noncurrent loans | 113.7823% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.3421% | 3,530 |
| Noncurrent loans to loans | 1.6639% | 3,274 |
| Net loans and leases to total assets | 79.1309% | 1,851 |
| Net loans and leases to deposits | 133.7106% | 166 |
| Net loans and leases to core deposits | 133.7106% | 1,610 |
| Total domestic deposits to total assets | 59.1807% | 7,988 |
| Equity capital to assets | 11.9932% | 2,297 |
| Core capital (leverage) ratio | 12.4525% | 1,774 |
| Tier 1 risk-based capital ratio | 13.1429% | 4,037 |
| Total risk-based capital ratio | 14.3985% | 3,940 |
| Memoranda: | ||
| Average total assets | $114,668,000 | 4,655 |
| Average earning assets | $104,717,000 | 4,657 |
| Average equity | $13,372,000 | 4,480 |
| Average total loans | $91,293,800 | 4,184 |