Home > Buckeye Community Bank > Performance and Condition Ratios
Buckeye Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3301% | 1,434 |
| Cost of funding earning assets | 1.0743% | 3,133 |
| Net interest margin | 4.2558% | 869 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 3.0074% | 1,117 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.9405% | 2,398 |
| Return on assets (ROA) | 0.9405% | 2,386 |
| Pretax return on assets | 1.1738% | 2,205 |
| Return on Equity (ROE) | 8.1900% | 2,973 |
| Retained earnings to average equity (ytd only) | 6.2877% | 2,138 |
| Net charge-offs to loans | 0.0861% | 1,001 |
| Credit loss provision to net charge-offs | 63.3094% | 2,129 |
| Earnings coverage of net charge-offs (x) | 19.1295% | 1,909 |
| Efficiency ratio | 71.2416% | 1,733 |
| Assets per employee ($millions) | 5.5059% | 3,249 |
| Cash dividends to net income (ytd only)* | 23.2524% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 1,754 |
| Loan loss allowance to noncurrent loans | 2,133.6634% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,284 |
| Noncurrent loans to loans | 0.0610% | 3,277 |
| Net loans and leases to total assets | 74.1600% | 1,339 |
| Net loans and leases to deposits | 84.7543% | 1,706 |
| Net loans and leases to core deposits | 91.0102% | 1,983 |
| Total domestic deposits to total assets | 87.5000% | 1,516 |
| Equity capital to assets | 12.0000% | 1,121 |
| Core capital (leverage) ratio | 13.0773% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2133% | 877 |
| Memoranda: | ||
| Average total assets | $219,026,000 | 2,852 |
| Average earning assets | $204,404,800 | 2,832 |
| Average equity | $25,144,400 | 2,508 |
| Average total loans | $161,487,600 | 2,589 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1959% | 1,460 |
| Cost of funding earning assets | 0.9717% | 3,115 |
| Net interest margin | 4.2242% | 890 |
| Noninterest income to average assets | 0.2600% | 3,384 |
| Noninterest expense to average assets | 3.0442% | 997 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9205% | 2,615 |
| Return on assets (ROA) | 0.9205% | 2,602 |
| Pretax return on assets | 1.1497% | 2,417 |
| Return on Equity (ROE) | 8.1100% | 3,163 |
| Retained earnings to average equity (ytd only) | 8.1104% | 1,922 |
| Net charge-offs to loans | 0.1254% | 645 |
| Credit loss provision to net charge-offs | 9.2715% | 2,036 |
| Earnings coverage of net charge-offs (x) | 12.5828% | 2,063 |
| Efficiency ratio | 72.4398% | 1,523 |
| Assets per employee ($millions) | 5.5574% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 1,973 |
| Loan loss allowance to noncurrent loans | 2,914.0845% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 3,482 |
| Noncurrent loans to loans | 0.0438% | 3,446 |
| Net loans and leases to total assets | 71.9300% | 1,582 |
| Net loans and leases to deposits | 81.7522% | 1,919 |
| Net loans and leases to core deposits | 89.2239% | 1,982 |
| Total domestic deposits to total assets | 87.9800% | 1,579 |
| Equity capital to assets | 11.3669% | 1,220 |
| Core capital (leverage) ratio | 13.1585% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5345% | 880 |
| Memoranda: | ||
| Average total assets | $218,724,000 | 2,869 |
| Average earning assets | $204,308,250 | 2,847 |
| Average equity | $24,823,500 | 2,511 |
| Average total loans | $160,489,500 | 2,607 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0791% | 1,406 |
| Cost of funding earning assets | 0.7976% | 3,209 |
| Net interest margin | 4.2815% | 829 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 3.0267% | 1,001 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.9203% | 2,688 |
| Return on assets (ROA) | 0.9203% | 2,670 |
| Pretax return on assets | 1.1511% | 2,506 |
| Return on Equity (ROE) | 8.1100% | 3,206 |
| Retained earnings to average equity (ytd only) | 8.1134% | 1,924 |
| Net charge-offs to loans | 0.2163% | 375 |
| Credit loss provision to net charge-offs | 32.9480% | 1,734 |
| Earnings coverage of net charge-offs (x) | 7.5665% | 2,082 |
| Efficiency ratio | 71.5497% | 1,611 |
| Assets per employee ($millions) | 5.8370% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 1,947 |
| Loan loss allowance to noncurrent loans | 2,580.2469% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,417 |
| Noncurrent loans to loans | 0.0502% | 3,351 |
| Net loans and leases to total assets | 71.8000% | 1,559 |
| Net loans and leases to deposits | 81.3720% | 1,882 |
| Net loans and leases to core deposits | 89.1622% | 1,854 |
| Total domestic deposits to total assets | 88.2300% | 1,520 |
| Equity capital to assets | 11.3302% | 1,260 |
| Core capital (leverage) ratio | 13.1908% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3429% | 908 |
| Memoranda: | ||
| Average total assets | $217,533,667 | 2,881 |
| Average earning assets | $203,106,333 | 2,870 |
| Average equity | $24,675,333 | 2,535 |
| Average total loans | $159,999,333 | 2,603 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 1,384 |
| Cost of funding earning assets | 0.5869% | 3,416 |
| Net interest margin | 4.3272% | 773 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.9267% | 1,180 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.0251% | 2,454 |
| Return on assets (ROA) | 1.0251% | 2,418 |
| Pretax return on assets | 1.2795% | 2,229 |
| Return on Equity (ROE) | 9.0300% | 3,040 |
| Retained earnings to average equity (ytd only) | 9.0316% | 1,944 |
| Net charge-offs to loans | 0.4619% | 178 |
| Credit loss provision to net charge-offs | 16.3043% | 1,381 |
| Earnings coverage of net charge-offs (x) | 3.9076% | 1,871 |
| Efficiency ratio | 68.6710% | 1,898 |
| Assets per employee ($millions) | 5.6322% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 2,077 |
| Loan loss allowance to noncurrent loans | 2,259.3407% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 3,369 |
| Noncurrent loans to loans | 0.0571% | 3,326 |
| Net loans and leases to total assets | 71.6000% | 1,459 |
| Net loans and leases to deposits | 82.4845% | 1,617 |
| Net loans and leases to core deposits | 91.6529% | 1,523 |
| Total domestic deposits to total assets | 86.8000% | 2,339 |
| Equity capital to assets | 11.3951% | 1,190 |
| Core capital (leverage) ratio | 13.4823% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2683% | 954 |
| Memoranda: | ||
| Average total assets | $215,397,500 | 2,939 |
| Average earning assets | $201,051,500 | 2,922 |
| Average equity | $24,447,500 | 2,574 |
| Average total loans | $159,329,500 | 2,625 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 1,080 |
| Cost of funding earning assets | 0.1148% | 4,314 |
| Net interest margin | 4.1698% | 579 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.9184% | 1,099 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.9692% | 2,678 |
| Return on assets (ROA) | 0.9692% | 2,620 |
| Pretax return on assets | 1.2118% | 2,398 |
| Return on Equity (ROE) | 8.6800% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.6757% | 1,963 |
| Net charge-offs to loans | 0.0577% | 1,074 |
| Credit loss provision to net charge-offs | 131.8681% | 1,396 |
| Earnings coverage of net charge-offs (x) | 29.9780% | 1,684 |
| Efficiency ratio | 69.7192% | 1,725 |
| Assets per employee ($millions) | 5.7065% | 3,028 |
| Cash dividends to net income (ytd only)* | 11.6012% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 892 |
| Loan loss allowance to noncurrent loans | 2,594.0594% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 3,330 |
| Noncurrent loans to loans | 0.0634% | 3,292 |
| Net loans and leases to total assets | 74.2200% | 1,195 |
| Net loans and leases to deposits | 85.5968% | 1,348 |
| Net loans and leases to core deposits | 88.6086% | 1,573 |
| Total domestic deposits to total assets | 86.7100% | 2,491 |
| Equity capital to assets | 11.3029% | 1,142 |
| Core capital (leverage) ratio | 12.8189% | 997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8302% | 1,004 |
| Memoranda: | ||
| Average total assets | $215,219,600 | 2,942 |
| Average earning assets | $202,909,800 | 2,911 |
| Average equity | $24,024,000 | 2,638 |
| Average total loans | $157,766,200 | 2,555 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 1,139 |
| Cost of funding earning assets | 0.0892% | 4,352 |
| Net interest margin | 3.9743% | 675 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 2.8949% | 1,068 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8423% | 3,091 |
| Return on assets (ROA) | 0.8423% | 3,065 |
| Pretax return on assets | 1.0513% | 2,873 |
| Return on Equity (ROE) | 7.5700% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.5686% | 2,159 |
| Net charge-offs to loans | 0.0890% | 688 |
| Credit loss provision to net charge-offs | 85.7143% | 1,397 |
| Earnings coverage of net charge-offs (x) | 17.0952% | 1,803 |
| Efficiency ratio | 72.3421% | 1,471 |
| Assets per employee ($millions) | 5.9825% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6208% | 1,030 |
| Loan loss allowance to noncurrent loans | 864.7651% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 2,666 |
| Noncurrent loans to loans | 0.1874% | 2,653 |
| Net loans and leases to total assets | 70.6600% | 1,424 |
| Net loans and leases to deposits | 80.9412% | 1,527 |
| Net loans and leases to core deposits | 84.1207% | 1,644 |
| Total domestic deposits to total assets | 87.3000% | 2,666 |
| Equity capital to assets | 10.5538% | 1,348 |
| Core capital (leverage) ratio | 12.1989% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6122% | 1,063 |
| Memoranda: | ||
| Average total assets | $216,239,500 | 2,956 |
| Average earning assets | $204,775,500 | 2,918 |
| Average equity | $24,063,750 | 2,684 |
| Average total loans | $157,374,250 | 2,565 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 1,047 |
| Cost of funding earning assets | 0.0876% | 4,310 |
| Net interest margin | 3.8512% | 673 |
| Noninterest income to average assets | 0.2387% | 3,742 |
| Noninterest expense to average assets | 2.9282% | 946 |
| Loan and lease loss provision to assets | 0.0559% | 1,581 |
| Net operating income to assets | 0.7244% | 3,228 |
| Return on assets (ROA) | 0.7244% | 3,179 |
| Pretax return on assets | 0.9024% | 3,056 |
| Return on Equity (ROE) | 6.3956% | 3,475 |
| Retained earnings to average equity (ytd only) | 6.3956% | 2,209 |
| Net charge-offs to loans | 0.1543% | 416 |
| Credit loss provision to net charge-offs | 49.5868% | 1,502 |
| Earnings coverage of net charge-offs (x) | 8.4959% | 1,819 |
| Efficiency ratio | 75.3418% | 1,353 |
| Assets per employee ($millions) | 5.7431% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 1,179 |
| Loan loss allowance to noncurrent loans | 821.4286% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 2,753 |
| Noncurrent loans to loans | 0.1932% | 2,740 |
| Net loans and leases to total assets | 70.0531% | 1,295 |
| Net loans and leases to deposits | 79.7043% | 1,407 |
| Net loans and leases to core deposits | 85.7822% | 1,353 |
| Total domestic deposits to total assets | 87.8913% | 2,619 |
| Equity capital to assets | 10.4219% | 1,470 |
| Core capital (leverage) ratio | 12.1006% | 1,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1635% | 1,152 |
| Memoranda: | ||
| Average total assets | $214,535,667 | 2,993 |
| Average earning assets | $203,211,667 | 2,971 |
| Average equity | $24,298,000 | 2,724 |
| Average total loans | $156,835,333 | 2,580 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 1,081 |
| Cost of funding earning assets | 0.0824% | 4,328 |
| Net interest margin | 3.7195% | 724 |
| Noninterest income to average assets | 0.2517% | 3,638 |
| Noninterest expense to average assets | 2.9035% | 948 |
| Loan and lease loss provision to assets | 0.0572% | 1,368 |
| Net operating income to assets | 0.6577% | 3,203 |
| Return on assets (ROA) | 0.6577% | 3,179 |
| Pretax return on assets | 0.8198% | 3,048 |
| Return on Equity (ROE) | 5.5700% | 3,463 |
| Retained earnings to average equity (ytd only) | 5.5700% | 2,391 |
| Net charge-offs to loans | 0.1414% | 401 |
| Credit loss provision to net charge-offs | 54.5455% | 1,183 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 1,514 |
| Efficiency ratio | 76.8028% | 1,434 |
| Assets per employee ($millions) | 5.3383% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6261% | 1,204 |
| Loan loss allowance to noncurrent loans | 669.9739% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 2,543 |
| Noncurrent loans to loans | 0.2427% | 2,623 |
| Net loans and leases to total assets | 72.6982% | 773 |
| Net loans and leases to deposits | 83.6728% | 900 |
| Net loans and leases to core deposits | 88.6986% | 983 |
| Total domestic deposits to total assets | 86.8839% | 2,969 |
| Equity capital to assets | 11.3070% | 1,187 |
| Core capital (leverage) ratio | 11.9394% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2873% | 1,192 |
| Memoranda: | ||
| Average total assets | $209,813,500 | 3,042 |
| Average earning assets | $199,060,000 | 3,009 |
| Average equity | $24,775,500 | 2,788 |
| Average total loans | $155,535,500 | 2,589 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 1,980 |
| Cost of funding earning assets | 0.1852% | 3,598 |
| Net interest margin | 3.5651% | 1,563 |
| Noninterest income to average assets | 0.3228% | 3,475 |
| Noninterest expense to average assets | 2.7209% | 1,572 |
| Loan and lease loss provision to assets | 0.0139% | 2,805 |
| Net operating income to assets | 0.7843% | 3,381 |
| Return on assets (ROA) | 0.7854% | 3,447 |
| Pretax return on assets | 0.9787% | 3,317 |
| Return on Equity (ROE) | 6.7560% | 3,587 |
| Retained earnings to average equity (ytd only) | 5.8331% | 2,428 |
| Net charge-offs to loans | -0.2075% | 4,713 |
| Credit loss provision to net charge-offs | -9.6154% | 3,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2983% | 1,388 |
| Assets per employee ($millions) | 5.1524% | 3,597 |
| Cash dividends to net income (ytd only)* | 13.6606% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 1,069 |
| Loan loss allowance to noncurrent loans | 1,850.7143% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 3,488 |
| Noncurrent loans to loans | 0.0913% | 3,468 |
| Net loans and leases to total assets | 73.1119% | 739 |
| Net loans and leases to deposits | 85.4563% | 828 |
| Net loans and leases to core deposits | 91.6199% | 899 |
| Total domestic deposits to total assets | 85.5547% | 3,067 |
| Equity capital to assets | 12.3278% | 1,118 |
| Core capital (leverage) ratio | 11.9830% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6358% | 1,132 |
| Memoranda: | ||
| Average total assets | $215,295,000 | 2,946 |
| Average earning assets | $204,677,200 | 2,920 |
| Average equity | $25,029,600 | 2,847 |
| Average total loans | $150,342,400 | 2,628 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 2,420 |
| Cost of funding earning assets | 0.2115% | 3,502 |
| Net interest margin | 3.4379% | 2,050 |
| Noninterest income to average assets | 0.3180% | 3,526 |
| Noninterest expense to average assets | 2.6875% | 1,620 |
| Loan and lease loss provision to assets | 0.0184% | 2,638 |
| Net operating income to assets | 0.7056% | 3,751 |
| Return on assets (ROA) | 0.7071% | 3,818 |
| Pretax return on assets | 0.8811% | 3,735 |
| Return on Equity (ROE) | 6.1705% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.1705% | 2,755 |
| Net charge-offs to loans | -0.2709% | 4,800 |
| Credit loss provision to net charge-offs | -9.8684% | 3,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9615% | 1,130 |
| Assets per employee ($millions) | 5.2698% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 1,144 |
| Loan loss allowance to noncurrent loans | 1,722.6667% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 3,635 |
| Noncurrent loans to loans | 0.0975% | 3,594 |
| Net loans and leases to total assets | 71.7472% | 893 |
| Net loans and leases to deposits | 83.4969% | 998 |
| Net loans and leases to core deposits | 90.5866% | 1,003 |
| Total domestic deposits to total assets | 85.9279% | 2,776 |
| Equity capital to assets | 12.0716% | 1,369 |
| Core capital (leverage) ratio | 11.6767% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8717% | 1,157 |
| Memoranda: | ||
| Average total assets | $217,595,000 | 2,950 |
| Average earning assets | $206,789,000 | 2,930 |
| Average equity | $24,935,250 | 2,888 |
| Average total loans | $149,610,250 | 2,674 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 2,712 |
| Cost of funding earning assets | 0.2304% | 3,462 |
| Net interest margin | 3.3414% | 2,326 |
| Noninterest income to average assets | 0.2956% | 3,657 |
| Noninterest expense to average assets | 2.6244% | 1,794 |
| Loan and lease loss provision to assets | 0.0273% | 2,435 |
| Net operating income to assets | 0.6588% | 3,859 |
| Return on assets (ROA) | 0.6631% | 3,911 |
| Pretax return on assets | 0.8287% | 3,807 |
| Return on Equity (ROE) | 5.8873% | 3,928 |
| Retained earnings to average equity (ytd only) | 5.8873% | 2,846 |
| Net charge-offs to loans | -0.1336% | 4,703 |
| Credit loss provision to net charge-offs | -30.3030% | 2,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5236% | 1,127 |
| Assets per employee ($millions) | 5.7153% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 1,350 |
| Loan loss allowance to noncurrent loans | 1,367.2414% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 3,673 |
| Noncurrent loans to loans | 0.1150% | 3,615 |
| Net loans and leases to total assets | 68.5959% | 1,372 |
| Net loans and leases to deposits | 78.9622% | 1,521 |
| Net loans and leases to core deposits | 86.4162% | 1,388 |
| Total domestic deposits to total assets | 86.8718% | 2,395 |
| Equity capital to assets | 11.5226% | 1,617 |
| Core capital (leverage) ratio | 11.1011% | 1,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3843% | 1,054 |
| Memoranda: | ||
| Average total assets | $219,862,333 | 2,942 |
| Average earning assets | $209,191,000 | 2,911 |
| Average equity | $24,765,000 | 2,893 |
| Average total loans | $148,206,333 | 2,705 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6909% | 2,381 |
| Cost of funding earning assets | 0.2626% | 3,353 |
| Net interest margin | 3.4284% | 2,028 |
| Noninterest income to average assets | 0.2966% | 3,633 |
| Noninterest expense to average assets | 2.6003% | 1,883 |
| Loan and lease loss provision to assets | 0.0542% | 2,025 |
| Net operating income to assets | 0.7147% | 3,676 |
| Return on assets (ROA) | 0.7233% | 3,720 |
| Pretax return on assets | 0.9114% | 3,579 |
| Return on Equity (ROE) | 6.4948% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.4948% | 2,730 |
| Net charge-offs to loans | -0.0409% | 4,315 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1434% | 1,392 |
| Assets per employee ($millions) | 6.2407% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5708% | 1,368 |
| Loan loss allowance to noncurrent loans | 1,067.4419% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 3,709 |
| Noncurrent loans to loans | 0.1472% | 3,589 |
| Net loans and leases to total assets | 64.0104% | 2,040 |
| Net loans and leases to deposits | 73.4698% | 2,161 |
| Net loans and leases to core deposits | 79.1747% | 2,080 |
| Total domestic deposits to total assets | 87.1248% | 2,266 |
| Equity capital to assets | 10.9777% | 1,878 |
| Core capital (leverage) ratio | 11.1623% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1849% | 899 |
| Memoranda: | ||
| Average total assets | $221,202,500 | 2,917 |
| Average earning assets | $210,245,000 | 2,891 |
| Average equity | $24,635,000 | 2,897 |
| Average total loans | $146,631,000 | 2,733 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0502% | 2,582 |
| Cost of funding earning assets | 0.5342% | 2,722 |
| Net interest margin | 3.5160% | 2,425 |
| Noninterest income to average assets | 0.3828% | 3,194 |
| Noninterest expense to average assets | 2.6143% | 2,501 |
| Loan and lease loss provision to assets | 0.0556% | 3,676 |
| Net operating income to assets | 0.8687% | 2,828 |
| Return on assets (ROA) | 0.8687% | 2,966 |
| Pretax return on assets | 1.0943% | 2,719 |
| Return on Equity (ROE) | 7.1901% | 3,130 |
| Retained earnings to average equity (ytd only) | 6.1480% | 1,736 |
| Net charge-offs to loans | -0.0814% | 4,767 |
| Credit loss provision to net charge-offs | -90.9091% | 3,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4519% | 2,027 |
| Assets per employee ($millions) | 6.8044% | 1,706 |
| Cash dividends to net income (ytd only)* | 14.4936% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 1,484 |
| Loan loss allowance to noncurrent loans | 953.3898% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 3,756 |
| Noncurrent loans to loans | 0.1604% | 3,636 |
| Net loans and leases to total assets | 66.5509% | 2,014 |
| Net loans and leases to deposits | 76.7928% | 2,196 |
| Net loans and leases to core deposits | 83.8904% | 2,041 |
| Total domestic deposits to total assets | 86.6630% | 2,092 |
| Equity capital to assets | 11.3011% | 2,017 |
| Core capital (leverage) ratio | 11.1996% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8279% | 925 |
| Memoranda: | ||
| Average total assets | $197,759,600 | 2,961 |
| Average earning assets | $190,189,800 | 2,907 |
| Average equity | $23,893,800 | 2,881 |
| Average total loans | $148,662,000 | 2,674 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 2,565 |
| Cost of funding earning assets | 0.5997% | 2,619 |
| Net interest margin | 3.5367% | 2,471 |
| Noninterest income to average assets | 0.4067% | 3,046 |
| Noninterest expense to average assets | 2.6885% | 2,294 |
| Loan and lease loss provision to assets | 0.0763% | 3,367 |
| Net operating income to assets | 0.8376% | 2,958 |
| Return on assets (ROA) | 0.8376% | 3,083 |
| Pretax return on assets | 1.0562% | 2,886 |
| Return on Equity (ROE) | 6.8083% | 3,267 |
| Retained earnings to average equity (ytd only) | 6.8083% | 1,773 |
| Net charge-offs to loans | 0.0376% | 2,092 |
| Credit loss provision to net charge-offs | 261.9048% | 1,886 |
| Earnings coverage of net charge-offs (x) | 38.9762% | 1,378 |
| Efficiency ratio | 70.3657% | 1,834 |
| Assets per employee ($millions) | 6.5384% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 1,983 |
| Loan loss allowance to noncurrent loans | 824.5059% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 3,826 |
| Noncurrent loans to loans | 0.1631% | 3,735 |
| Net loans and leases to total assets | 73.1539% | 1,481 |
| Net loans and leases to deposits | 84.6782% | 1,840 |
| Net loans and leases to core deposits | 95.3342% | 1,520 |
| Total domestic deposits to total assets | 86.3906% | 1,899 |
| Equity capital to assets | 11.6628% | 1,902 |
| Core capital (leverage) ratio | 11.6690% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0582% | 906 |
| Memoranda: | ||
| Average total assets | $192,764,500 | 2,982 |
| Average earning assets | $186,082,500 | 2,928 |
| Average equity | $23,715,500 | 2,890 |
| Average total loans | $149,038,000 | 2,678 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 2,421 |
| Cost of funding earning assets | 0.6730% | 2,538 |
| Net interest margin | 3.6465% | 2,326 |
| Noninterest income to average assets | 0.4838% | 2,631 |
| Noninterest expense to average assets | 2.7585% | 2,191 |
| Loan and lease loss provision to assets | 0.0534% | 3,636 |
| Net operating income to assets | 0.9387% | 2,545 |
| Return on assets (ROA) | 0.9387% | 2,673 |
| Pretax return on assets | 1.1843% | 2,412 |
| Return on Equity (ROE) | 7.4851% | 2,940 |
| Retained earnings to average equity (ytd only) | 7.4851% | 1,472 |
| Net charge-offs to loans | 0.0830% | 1,421 |
| Credit loss provision to net charge-offs | 81.9672% | 2,498 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,744 |
| Efficiency ratio | 69.0273% | 2,087 |
| Assets per employee ($millions) | 6.4420% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,121 |
| Loan loss allowance to noncurrent loans | 675.7576% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 3,799 |
| Noncurrent loans to loans | 0.1889% | 3,704 |
| Net loans and leases to total assets | 75.2920% | 1,233 |
| Net loans and leases to deposits | 87.5863% | 1,603 |
| Net loans and leases to core deposits | 100.7680% | 1,202 |
| Total domestic deposits to total assets | 85.9632% | 2,024 |
| Equity capital to assets | 11.6748% | 1,848 |
| Core capital (leverage) ratio | 11.9644% | 1,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4752% | 984 |
| Memoranda: | ||
| Average total assets | $187,276,000 | 3,021 |
| Average earning assets | $180,393,667 | 2,951 |
| Average equity | $23,486,667 | 2,895 |
| Average total loans | $147,002,000 | 2,682 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 1,623 |
| Cost of funding earning assets | 0.7487% | 2,675 |
| Net interest margin | 3.9797% | 1,442 |
| Noninterest income to average assets | 0.4049% | 3,058 |
| Noninterest expense to average assets | 2.8227% | 2,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1156% | 1,800 |
| Return on assets (ROA) | 1.1156% | 1,892 |
| Pretax return on assets | 1.4080% | 1,538 |
| Return on Equity (ROE) | 8.5530% | 2,292 |
| Retained earnings to average equity (ytd only) | 8.5530% | 1,087 |
| Net charge-offs to loans | -0.0282% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7198% | 2,859 |
| Assets per employee ($millions) | 5.8550% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,634 |
| Loan loss allowance to noncurrent loans | 460.9091% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 3,489 |
| Noncurrent loans to loans | 0.3079% | 3,398 |
| Net loans and leases to total assets | 77.6222% | 1,036 |
| Net loans and leases to deposits | 90.9789% | 1,408 |
| Net loans and leases to core deposits | 108.8265% | 909 |
| Total domestic deposits to total assets | 85.3189% | 2,283 |
| Equity capital to assets | 13.0128% | 1,421 |
| Core capital (leverage) ratio | 13.3428% | 1,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7510% | 1,184 |
| Memoranda: | ||
| Average total assets | $177,842,000 | 3,061 |
| Average earning assets | $170,968,000 | 3,011 |
| Average equity | $23,196,500 | 2,907 |
| Average total loans | $141,894,500 | 2,712 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 1,261 |
| Cost of funding earning assets | 0.8147% | 2,612 |
| Net interest margin | 4.2645% | 1,173 |
| Noninterest income to average assets | 0.3597% | 3,547 |
| Noninterest expense to average assets | 2.9045% | 2,278 |
| Loan and lease loss provision to assets | 0.0058% | 3,893 |
| Net operating income to assets | 1.2177% | 1,988 |
| Return on assets (ROA) | 1.2177% | 2,080 |
| Pretax return on assets | 1.5365% | 1,696 |
| Return on Equity (ROE) | 9.5238% | 2,510 |
| Retained earnings to average equity (ytd only) | 7.9136% | 1,003 |
| Net charge-offs to loans | 0.0204% | 3,009 |
| Credit loss provision to net charge-offs | 35.7143% | 3,237 |
| Earnings coverage of net charge-offs (x) | 94.1786% | 711 |
| Efficiency ratio | 65.3163% | 2,871 |
| Assets per employee ($millions) | 5.6186% | 1,956 |
| Cash dividends to net income (ytd only)* | 16.9068% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,417 |
| Loan loss allowance to noncurrent loans | 458.6364% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 3,424 |
| Noncurrent loans to loans | 0.3123% | 3,323 |
| Net loans and leases to total assets | 79.7196% | 824 |
| Net loans and leases to deposits | 93.5611% | 1,198 |
| Net loans and leases to core deposits | 106.4072% | 1,086 |
| Total domestic deposits to total assets | 85.2059% | 2,419 |
| Equity capital to assets | 13.0751% | 1,474 |
| Core capital (leverage) ratio | 12.8232% | 1,323 |
| Tier 1 risk-based capital ratio | 16.4106% | 2,254 |
| Total risk-based capital ratio | 17.6627% | 2,188 |
| Memoranda: | ||
| Average total assets | $170,973,200 | 3,105 |
| Average earning assets | $163,863,800 | 3,050 |
| Average equity | $21,861,000 | 2,972 |
| Average total loans | $137,129,800 | 2,757 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 1,229 |
| Cost of funding earning assets | 0.8174% | 2,628 |
| Net interest margin | 4.3081% | 1,150 |
| Noninterest income to average assets | 0.3581% | 3,587 |
| Noninterest expense to average assets | 2.9522% | 2,099 |
| Loan and lease loss provision to assets | 0.0078% | 3,728 |
| Net operating income to assets | 1.2074% | 2,173 |
| Return on assets (ROA) | 1.2074% | 2,249 |
| Pretax return on assets | 1.5231% | 1,891 |
| Return on Equity (ROE) | 9.4977% | 2,673 |
| Retained earnings to average equity (ytd only) | 9.0355% | 1,033 |
| Net charge-offs to loans | -0.0372% | 4,769 |
| Credit loss provision to net charge-offs | -26.3158% | 3,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8511% | 2,749 |
| Assets per employee ($millions) | 5.4417% | 2,084 |
| Cash dividends to net income (ytd only)* | 4.8671% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,175 |
| Loan loss allowance to noncurrent loans | 402.5097% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2975% | 3,361 |
| Noncurrent loans to loans | 0.3792% | 3,193 |
| Net loans and leases to total assets | 77.2605% | 1,270 |
| Net loans and leases to deposits | 90.7960% | 1,591 |
| Net loans and leases to core deposits | 102.8280% | 1,433 |
| Total domestic deposits to total assets | 85.0924% | 2,394 |
| Equity capital to assets | 12.9459% | 1,659 |
| Core capital (leverage) ratio | 13.2251% | 1,247 |
| Tier 1 risk-based capital ratio | 16.7367% | 2,175 |
| Total risk-based capital ratio | 17.9899% | 2,114 |
| Memoranda: | ||
| Average total assets | $170,172,000 | 3,144 |
| Average earning assets | $162,945,500 | 3,087 |
| Average equity | $21,632,750 | 3,010 |
| Average total loans | $136,194,250 | 2,790 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 1,132 |
| Cost of funding earning assets | 0.7903% | 2,692 |
| Net interest margin | 4.3468% | 1,051 |
| Noninterest income to average assets | 0.3482% | 3,609 |
| Noninterest expense to average assets | 3.0015% | 2,002 |
| Loan and lease loss provision to assets | 0.0118% | 3,524 |
| Net operating income to assets | 1.2011% | 2,146 |
| Return on assets (ROA) | 1.2011% | 2,207 |
| Pretax return on assets | 1.5173% | 1,804 |
| Return on Equity (ROE) | 9.5080% | 2,628 |
| Retained earnings to average equity (ytd only) | 9.5080% | 905 |
| Net charge-offs to loans | -0.0441% | 4,801 |
| Credit loss provision to net charge-offs | -33.3333% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2484% | 2,781 |
| Assets per employee ($millions) | 5.2337% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,175 |
| Loan loss allowance to noncurrent loans | 327.0866% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 2,990 |
| Noncurrent loans to loans | 0.4690% | 2,872 |
| Net loans and leases to total assets | 79.6064% | 946 |
| Net loans and leases to deposits | 93.5220% | 1,305 |
| Net loans and leases to core deposits | 107.7540% | 1,119 |
| Total domestic deposits to total assets | 85.1205% | 2,424 |
| Equity capital to assets | 13.1718% | 1,506 |
| Core capital (leverage) ratio | 13.0687% | 1,264 |
| Tier 1 risk-based capital ratio | 16.7351% | 2,167 |
| Total risk-based capital ratio | 17.9889% | 2,110 |
| Memoranda: | ||
| Average total assets | $168,851,670 | 3,168 |
| Average earning assets | $162,465,330 | 3,107 |
| Average equity | $21,329,330 | 3,032 |
| Average total loans | $136,052,000 | 2,804 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 1,146 |
| Cost of funding earning assets | 0.7635% | 2,715 |
| Net interest margin | 4.3134% | 1,069 |
| Noninterest income to average assets | 0.3280% | 3,663 |
| Noninterest expense to average assets | 2.9657% | 2,088 |
| Loan and lease loss provision to assets | 0.0236% | 3,124 |
| Net operating income to assets | 1.1726% | 2,166 |
| Return on assets (ROA) | 1.1726% | 2,219 |
| Pretax return on assets | 1.4840% | 1,824 |
| Return on Equity (ROE) | 9.4829% | 2,595 |
| Retained earnings to average equity (ytd only) | 9.4829% | 1,172 |
| Net charge-offs to loans | -0.0323% | 4,675 |
| Credit loss provision to net charge-offs | -90.9091% | 3,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2975% | 2,902 |
| Assets per employee ($millions) | 5.6303% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 1,267 |
| Loan loss allowance to noncurrent loans | 178.0277% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6844% | 2,049 |
| Noncurrent loans to loans | 0.8553% | 1,928 |
| Net loans and leases to total assets | 78.7997% | 1,015 |
| Net loans and leases to deposits | 92.0508% | 1,392 |
| Net loans and leases to core deposits | 104.9296% | 1,252 |
| Total domestic deposits to total assets | 85.6046% | 2,442 |
| Equity capital to assets | 12.6080% | 1,680 |
| Core capital (leverage) ratio | 12.7022% | 1,401 |
| Tier 1 risk-based capital ratio | 16.2955% | 2,343 |
| Total risk-based capital ratio | 17.5488% | 2,284 |
| Memoranda: | ||
| Average total assets | $169,538,000 | 3,198 |
| Average earning assets | $162,934,500 | 3,135 |
| Average equity | $20,964,000 | 3,071 |
| Average total loans | $136,377,500 | 2,836 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7584% | 1,650 |
| Cost of funding earning assets | 0.5383% | 3,126 |
| Net interest margin | 4.2201% | 1,351 |
| Noninterest income to average assets | 0.3669% | 3,646 |
| Noninterest expense to average assets | 2.7681% | 2,791 |
| Loan and lease loss provision to assets | 0.1470% | 1,449 |
| Net operating income to assets | 1.1935% | 2,206 |
| Return on assets (ROA) | 1.1889% | 2,225 |
| Pretax return on assets | 1.5022% | 1,778 |
| Return on Equity (ROE) | 10.1325% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.0106% | 1,667 |
| Net charge-offs to loans | -0.0381% | 4,885 |
| Credit loss provision to net charge-offs | -480.7692% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5814% | 3,417 |
| Assets per employee ($millions) | 5.3178% | 2,131 |
| Cash dividends to net income (ytd only)* | 30.8111% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,349 |
| Loan loss allowance to noncurrent loans | 303.5768% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 2,980 |
| Noncurrent loans to loans | 0.4877% | 2,813 |
| Net loans and leases to total assets | 79.6630% | 987 |
| Net loans and leases to deposits | 92.6387% | 1,451 |
| Net loans and leases to core deposits | 104.1663% | 1,400 |
| Total domestic deposits to total assets | 85.9933% | 2,230 |
| Equity capital to assets | 12.1245% | 1,801 |
| Core capital (leverage) ratio | 12.4103% | 1,508 |
| Tier 1 risk-based capital ratio | 15.6610% | 2,546 |
| Total risk-based capital ratio | 16.9143% | 2,474 |
| Memoranda: | ||
| Average total assets | $170,079,800 | 3,166 |
| Average earning assets | $163,478,000 | 3,101 |
| Average equity | $19,955,600 | 3,095 |
| Average total loans | $136,500,400 | 2,810 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 1,753 |
| Cost of funding earning assets | 0.4948% | 3,231 |
| Net interest margin | 4.1789% | 1,418 |
| Noninterest income to average assets | 0.3795% | 3,603 |
| Noninterest expense to average assets | 2.7535% | 2,803 |
| Loan and lease loss provision to assets | 0.1568% | 1,244 |
| Net operating income to assets | 1.1767% | 2,332 |
| Return on assets (ROA) | 1.1706% | 2,372 |
| Pretax return on assets | 1.4802% | 1,968 |
| Return on Equity (ROE) | 10.0605% | 2,592 |
| Retained earnings to average equity (ytd only) | 7.6212% | 1,839 |
| Net charge-offs to loans | -0.0529% | 4,950 |
| Credit loss provision to net charge-offs | -370.3704% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6025% | 3,404 |
| Assets per employee ($millions) | 5.2249% | 2,202 |
| Cash dividends to net income (ytd only)* | 24.2462% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,453 |
| Loan loss allowance to noncurrent loans | 198.3051% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5999% | 2,383 |
| Noncurrent loans to loans | 0.7412% | 2,233 |
| Net loans and leases to total assets | 79.7490% | 1,058 |
| Net loans and leases to deposits | 92.7021% | 1,536 |
| Net loans and leases to core deposits | 103.6891% | 1,477 |
| Total domestic deposits to total assets | 86.0273% | 2,179 |
| Equity capital to assets | 12.0899% | 1,842 |
| Core capital (leverage) ratio | 12.0968% | 1,727 |
| Tier 1 risk-based capital ratio | 15.6180% | 2,596 |
| Total risk-based capital ratio | 16.8707% | 2,534 |
| Memoranda: | ||
| Average total assets | $170,057,750 | 3,197 |
| Average earning assets | $163,547,000 | 3,121 |
| Average equity | $19,786,500 | 3,132 |
| Average total loans | $136,226,000 | 2,827 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 1,964 |
| Cost of funding earning assets | 0.4569% | 3,309 |
| Net interest margin | 4.0815% | 1,611 |
| Noninterest income to average assets | 0.4128% | 3,406 |
| Noninterest expense to average assets | 2.7004% | 3,018 |
| Loan and lease loss provision to assets | 0.1754% | 1,036 |
| Net operating income to assets | 1.1579% | 2,359 |
| Return on assets (ROA) | 1.1496% | 2,396 |
| Pretax return on assets | 1.4549% | 1,974 |
| Return on Equity (ROE) | 10.0081% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.7864% | 1,283 |
| Net charge-offs to loans | 0.0396% | 2,062 |
| Credit loss provision to net charge-offs | 555.5556% | 663 |
| Earnings coverage of net charge-offs (x) | 51.9630% | 1,101 |
| Efficiency ratio | 62.2037% | 3,597 |
| Assets per employee ($millions) | 5.3722% | 2,020 |
| Cash dividends to net income (ytd only)* | 12.2075% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 1,922 |
| Loan loss allowance to noncurrent loans | 125.9661% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.8580% | 1,739 |
| Noncurrent loans to loans | 1.0757% | 1,638 |
| Net loans and leases to total assets | 78.6790% | 1,210 |
| Net loans and leases to deposits | 90.8112% | 1,735 |
| Net loans and leases to core deposits | 101.3100% | 1,623 |
| Total domestic deposits to total assets | 86.6401% | 2,000 |
| Equity capital to assets | 11.6259% | 2,107 |
| Core capital (leverage) ratio | 12.1101% | 1,644 |
| Tier 1 risk-based capital ratio | 15.2709% | 2,743 |
| Total risk-based capital ratio | 16.5223% | 2,672 |
| Memoranda: | ||
| Average total assets | $171,011,330 | 3,206 |
| Average earning assets | $164,597,330 | 3,121 |
| Average equity | $19,644,000 | 3,160 |
| Average total loans | $136,525,670 | 2,837 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 2,080 |
| Cost of funding earning assets | 0.4192% | 3,451 |
| Net interest margin | 4.0144% | 1,683 |
| Noninterest income to average assets | 0.3823% | 3,580 |
| Noninterest expense to average assets | 2.6360% | 3,228 |
| Loan and lease loss provision to assets | 0.1759% | 989 |
| Net operating income to assets | 1.1353% | 2,266 |
| Return on assets (ROA) | 1.1187% | 2,362 |
| Pretax return on assets | 1.4118% | 1,968 |
| Return on Equity (ROE) | 9.7982% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.7982% | 1,223 |
| Net charge-offs to loans | 0.0617% | 1,489 |
| Credit loss provision to net charge-offs | 357.1429% | 728 |
| Earnings coverage of net charge-offs (x) | 32.6667% | 1,193 |
| Efficiency ratio | 62.0994% | 3,763 |
| Assets per employee ($millions) | 5.2231% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,215 |
| Loan loss allowance to noncurrent loans | 126.7895% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 0.8442% | 1,873 |
| Noncurrent loans to loans | 1.0307% | 1,776 |
| Net loans and leases to total assets | 80.8387% | 815 |
| Net loans and leases to deposits | 93.7523% | 1,247 |
| Net loans and leases to core deposits | 111.0907% | 937 |
| Total domestic deposits to total assets | 86.2258% | 2,437 |
| Equity capital to assets | 11.7561% | 1,945 |
| Core capital (leverage) ratio | 11.9354% | 1,692 |
| Tier 1 risk-based capital ratio | 15.1400% | 2,812 |
| Total risk-based capital ratio | 16.3909% | 2,747 |
| Memoranda: | ||
| Average total assets | $170,562,000 | 3,243 |
| Average earning assets | $164,110,000 | 3,162 |
| Average equity | $19,473,000 | 3,205 |
| Average total loans | $136,231,000 | 2,861 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3709% | 2,112 |
| Cost of funding earning assets | 0.4108% | 3,151 |
| Net interest margin | 3.9602% | 1,881 |
| Noninterest income to average assets | 0.4861% | 3,091 |
| Noninterest expense to average assets | 2.7193% | 3,063 |
| Loan and lease loss provision to assets | 0.1116% | 2,031 |
| Net operating income to assets | 0.7997% | 3,159 |
| Return on assets (ROA) | 0.7997% | 3,204 |
| Pretax return on assets | 1.4648% | 1,761 |
| Return on Equity (ROE) | 7.1352% | 3,206 |
| Retained earnings to average equity (ytd only) | 5.4910% | 1,819 |
| Net charge-offs to loans | 0.2160% | 1,201 |
| Credit loss provision to net charge-offs | 65.6250% | 3,154 |
| Earnings coverage of net charge-offs (x) | 9.2674% | 2,810 |
| Efficiency ratio | 63.3026% | 3,715 |
| Assets per employee ($millions) | 5.4370% | 2,002 |
| Cash dividends to net income (ytd only)* | 23.0428% | 3,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,320 |
| Loan loss allowance to noncurrent loans | 73.7984% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.3513% | 1,058 |
| Noncurrent loans to loans | 1.7343% | 931 |
| Net loans and leases to total assets | 76.9176% | 1,443 |
| Net loans and leases to deposits | 88.2268% | 1,995 |
| Net loans and leases to core deposits | 104.4626% | 1,381 |
| Total domestic deposits to total assets | 87.1817% | 1,908 |
| Equity capital to assets | 11.0912% | 2,547 |
| Core capital (leverage) ratio | 11.2477% | 2,131 |
| Tier 1 risk-based capital ratio | 14.8535% | 2,903 |
| Total risk-based capital ratio | 16.1043% | 2,844 |
| Memoranda: | ||
| Average total assets | $169,307,200 | 3,252 |
| Average earning assets | $162,872,200 | 3,163 |
| Average equity | $18,976,400 | 3,244 |
| Average total loans | $133,338,000 | 2,869 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3389% | 2,147 |
| Cost of funding earning assets | 0.4058% | 3,126 |
| Net interest margin | 3.9331% | 1,925 |
| Noninterest income to average assets | 0.4742% | 3,187 |
| Noninterest expense to average assets | 2.7064% | 3,047 |
| Loan and lease loss provision to assets | 0.0864% | 2,359 |
| Net operating income to assets | 0.9706% | 2,685 |
| Return on assets (ROA) | 0.9706% | 2,741 |
| Pretax return on assets | 1.4631% | 1,906 |
| Return on Equity (ROE) | 8.6364% | 2,795 |
| Retained earnings to average equity (ytd only) | 8.0720% | 1,186 |
| Net charge-offs to loans | 0.0613% | 2,239 |
| Credit loss provision to net charge-offs | 178.6885% | 1,483 |
| Earnings coverage of net charge-offs (x) | 32.0333% | 1,492 |
| Efficiency ratio | 63.5923% | 3,628 |
| Assets per employee ($millions) | 5.3717% | 2,044 |
| Cash dividends to net income (ytd only)* | 6.5357% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 2,001 |
| Loan loss allowance to noncurrent loans | 82.2193% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.3316% | 1,204 |
| Noncurrent loans to loans | 1.6719% | 1,092 |
| Net loans and leases to total assets | 78.5544% | 1,187 |
| Net loans and leases to deposits | 90.4597% | 1,747 |
| Net loans and leases to core deposits | 107.4078% | 1,177 |
| Total domestic deposits to total assets | 86.8391% | 1,938 |
| Equity capital to assets | 11.3418% | 2,532 |
| Core capital (leverage) ratio | 11.3944% | 2,106 |
| Tier 1 risk-based capital ratio | 14.6119% | 3,124 |
| Total risk-based capital ratio | 15.8639% | 3,041 |
| Memoranda: | ||
| Average total assets | $168,137,750 | 3,296 |
| Average earning assets | $161,666,500 | 3,207 |
| Average equity | $18,896,250 | 3,283 |
| Average total loans | $132,782,500 | 2,898 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 2,182 |
| Cost of funding earning assets | 0.3902% | 3,177 |
| Net interest margin | 3.8944% | 1,949 |
| Noninterest income to average assets | 0.4830% | 3,128 |
| Noninterest expense to average assets | 2.7420% | 2,952 |
| Loan and lease loss provision to assets | 0.0587% | 2,796 |
| Net operating income to assets | 0.9468% | 2,680 |
| Return on assets (ROA) | 0.9468% | 2,738 |
| Pretax return on assets | 1.4261% | 1,913 |
| Return on Equity (ROE) | 8.4509% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.1299% | 1,112 |
| Net charge-offs to loans | -0.1218% | 5,472 |
| Credit loss provision to net charge-offs | -61.2500% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8710% | 3,521 |
| Assets per employee ($millions) | 5.3353% | 2,022 |
| Cash dividends to net income (ytd only)* | 3.7975% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 1,637 |
| Loan loss allowance to noncurrent loans | 130.6924% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8798% | 2,015 |
| Noncurrent loans to loans | 1.1344% | 1,725 |
| Net loans and leases to total assets | 76.3996% | 1,481 |
| Net loans and leases to deposits | 88.0338% | 1,977 |
| Net loans and leases to core deposits | 105.7703% | 1,250 |
| Total domestic deposits to total assets | 86.7844% | 2,046 |
| Equity capital to assets | 11.2078% | 2,580 |
| Core capital (leverage) ratio | 11.3915% | 2,056 |
| Tier 1 risk-based capital ratio | 14.8144% | 3,006 |
| Total risk-based capital ratio | 16.0675% | 2,931 |
| Memoranda: | ||
| Average total assets | $166,885,330 | 3,320 |
| Average earning assets | $160,434,330 | 3,235 |
| Average equity | $18,696,330 | 3,305 |
| Average total loans | $131,405,670 | 2,924 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,059 |
| Cost of funding earning assets | 0.3681% | 3,337 |
| Net interest margin | 3.8953% | 1,795 |
| Noninterest income to average assets | 0.4947% | 3,017 |
| Noninterest expense to average assets | 2.7376% | 3,000 |
| Loan and lease loss provision to assets | 0.0970% | 1,938 |
| Net operating income to assets | 0.9335% | 2,592 |
| Return on assets (ROA) | 0.9335% | 2,647 |
| Pretax return on assets | 1.4064% | 1,868 |
| Return on Equity (ROE) | 8.3347% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.3347% | 1,332 |
| Net charge-offs to loans | -0.2261% | 5,639 |
| Credit loss provision to net charge-offs | -54.0541% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5512% | 3,740 |
| Assets per employee ($millions) | 5.1570% | 2,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,805 |
| Loan loss allowance to noncurrent loans | 129.9533% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 2,039 |
| Noncurrent loans to loans | 1.1300% | 1,808 |
| Net loans and leases to total assets | 79.2067% | 949 |
| Net loans and leases to deposits | 91.4337% | 1,386 |
| Net loans and leases to core deposits | 107.2695% | 1,022 |
| Total domestic deposits to total assets | 86.6274% | 2,384 |
| Equity capital to assets | 11.3268% | 2,324 |
| Core capital (leverage) ratio | 11.6187% | 1,869 |
| Tier 1 risk-based capital ratio | 14.5182% | 3,188 |
| Total risk-based capital ratio | 15.7715% | 3,120 |
| Memoranda: | ||
| Average total assets | $164,963,000 | 3,371 |
| Average earning assets | $158,652,000 | 3,289 |
| Average equity | $18,477,000 | 3,348 |
| Average total loans | $130,908,500 | 2,945 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 1,875 |
| Cost of funding earning assets | 0.3665% | 3,351 |
| Net interest margin | 4.0158% | 1,589 |
| Noninterest income to average assets | 0.4828% | 3,336 |
| Noninterest expense to average assets | 2.7926% | 3,045 |
| Loan and lease loss provision to assets | 0.1381% | 1,806 |
| Net operating income to assets | 0.9401% | 2,633 |
| Return on assets (ROA) | 0.9417% | 2,733 |
| Pretax return on assets | 1.4139% | 1,885 |
| Return on Equity (ROE) | 8.4195% | 2,725 |
| Retained earnings to average equity (ytd only) | 7.4821% | 1,047 |
| Net charge-offs to loans | 0.1350% | 1,894 |
| Credit loss provision to net charge-offs | 128.6550% | 2,081 |
| Earnings coverage of net charge-offs (x) | 14.4327% | 2,289 |
| Efficiency ratio | 64.3146% | 3,883 |
| Assets per employee ($millions) | 4.9970% | 2,397 |
| Cash dividends to net income (ytd only)* | 11.1333% | 4,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 2,001 |
| Loan loss allowance to noncurrent loans | 145.3249% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 2,441 |
| Noncurrent loans to loans | 0.9771% | 2,139 |
| Net loans and leases to total assets | 77.2125% | 1,327 |
| Net loans and leases to deposits | 88.6047% | 1,854 |
| Net loans and leases to core deposits | 102.8365% | 1,377 |
| Total domestic deposits to total assets | 87.1427% | 2,063 |
| Equity capital to assets | 11.0745% | 2,565 |
| Core capital (leverage) ratio | 11.2465% | 2,126 |
| Tier 1 risk-based capital ratio | 14.5928% | 3,155 |
| Total risk-based capital ratio | 15.8454% | 3,089 |
| Memoranda: | ||
| Average total assets | $159,279,200 | 3,404 |
| Average earning assets | $153,071,000 | 3,338 |
| Average equity | $17,815,800 | 3,432 |
| Average total loans | $126,650,400 | 2,967 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4447% | 1,715 |
| Cost of funding earning assets | 0.3630% | 3,408 |
| Net interest margin | 4.0817% | 1,430 |
| Noninterest income to average assets | 0.4780% | 3,393 |
| Noninterest expense to average assets | 2.8030% | 2,999 |
| Loan and lease loss provision to assets | 0.1351% | 1,740 |
| Net operating income to assets | 0.9740% | 2,551 |
| Return on assets (ROA) | 0.9763% | 2,666 |
| Pretax return on assets | 1.4653% | 1,828 |
| Return on Equity (ROE) | 8.7058% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.7058% | 908 |
| Net charge-offs to loans | 0.1259% | 1,703 |
| Credit loss provision to net charge-offs | 134.4538% | 1,931 |
| Earnings coverage of net charge-offs (x) | 15.8910% | 2,149 |
| Efficiency ratio | 63.7044% | 3,968 |
| Assets per employee ($millions) | 5.2764% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,064 |
| Loan loss allowance to noncurrent loans | 263.8728% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 3,672 |
| Noncurrent loans to loans | 0.5418% | 3,370 |
| Net loans and leases to total assets | 79.5321% | 959 |
| Net loans and leases to deposits | 91.9437% | 1,506 |
| Net loans and leases to core deposits | 108.5453% | 1,013 |
| Total domestic deposits to total assets | 86.5009% | 2,125 |
| Equity capital to assets | 11.5761% | 2,455 |
| Core capital (leverage) ratio | 11.6294% | 1,934 |
| Tier 1 risk-based capital ratio | 14.6642% | 3,208 |
| Total risk-based capital ratio | 15.9167% | 3,145 |
| Memoranda: | ||
| Average total assets | $157,873,500 | 3,433 |
| Average earning assets | $151,697,250 | 3,368 |
| Average equity | $17,704,250 | 3,478 |
| Average total loans | $126,023,250 | 2,987 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 1,490 |
| Cost of funding earning assets | 0.3573% | 3,483 |
| Net interest margin | 4.1487% | 1,236 |
| Noninterest income to average assets | 0.4679% | 3,419 |
| Noninterest expense to average assets | 2.8478% | 2,849 |
| Loan and lease loss provision to assets | 0.1522% | 1,504 |
| Net operating income to assets | 0.9713% | 2,516 |
| Return on assets (ROA) | 0.9713% | 2,658 |
| Pretax return on assets | 1.4582% | 1,813 |
| Return on Equity (ROE) | 8.7555% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.7555% | 922 |
| Net charge-offs to loans | 0.1642% | 1,351 |
| Credit loss provision to net charge-offs | 116.5049% | 1,902 |
| Earnings coverage of net charge-offs (x) | 12.3301% | 2,191 |
| Efficiency ratio | 63.8794% | 4,041 |
| Assets per employee ($millions) | 5.2311% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 2,176 |
| Loan loss allowance to noncurrent loans | 207.1264% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 3,362 |
| Noncurrent loans to loans | 0.6887% | 3,014 |
| Net loans and leases to total assets | 79.3503% | 1,007 |
| Net loans and leases to deposits | 91.1971% | 1,607 |
| Net loans and leases to core deposits | 106.1033% | 1,172 |
| Total domestic deposits to total assets | 87.0097% | 1,912 |
| Equity capital to assets | 11.4413% | 2,605 |
| Core capital (leverage) ratio | 11.4242% | 2,049 |
| Tier 1 risk-based capital ratio | 14.5759% | 3,274 |
| Total risk-based capital ratio | 15.8285% | 3,204 |
| Memoranda: | ||
| Average total assets | $157,734,000 | 3,453 |
| Average earning assets | $151,709,330 | 3,386 |
| Average equity | $17,497,670 | 3,515 |
| Average total loans | $125,458,000 | 3,007 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 2,690 |
| Cost of funding earning assets | 0.3545% | 3,557 |
| Net interest margin | 3.7844% | 2,351 |
| Noninterest income to average assets | 0.4604% | 3,415 |
| Noninterest expense to average assets | 2.6762% | 3,507 |
| Loan and lease loss provision to assets | 0.1518% | 1,396 |
| Net operating income to assets | 0.8524% | 2,984 |
| Return on assets (ROA) | 0.8524% | 3,109 |
| Pretax return on assets | 1.2774% | 2,397 |
| Return on Equity (ROE) | 7.8059% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.8059% | 1,540 |
| Net charge-offs to loans | -0.0352% | 5,134 |
| Credit loss provision to net charge-offs | -545.4545% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1879% | 3,944 |
| Assets per employee ($millions) | 5.2255% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 2,114 |
| Loan loss allowance to noncurrent loans | 122.1053% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9696% | 2,286 |
| Noncurrent loans to loans | 1.2040% | 2,021 |
| Net loans and leases to total assets | 79.3474% | 903 |
| Net loans and leases to deposits | 91.1983% | 1,437 |
| Net loans and leases to core deposits | 107.4616% | 993 |
| Total domestic deposits to total assets | 87.0054% | 2,209 |
| Equity capital to assets | 11.1600% | 2,761 |
| Core capital (leverage) ratio | 11.1714% | 2,249 |
| Tier 1 risk-based capital ratio | 14.1581% | 3,593 |
| Total risk-based capital ratio | 15.4113% | 3,520 |
| Memoranda: | ||
| Average total assets | $158,135,000 | 3,469 |
| Average earning assets | $152,307,500 | 3,386 |
| Average equity | $17,269,000 | 3,548 |
| Average total loans | $125,023,000 | 3,015 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,254 |
| Cost of funding earning assets | 0.3779% | 3,392 |
| Net interest margin | 3.6381% | 2,988 |
| Noninterest income to average assets | 0.5379% | 3,088 |
| Noninterest expense to average assets | 2.6856% | 3,629 |
| Loan and lease loss provision to assets | 0.0788% | 2,707 |
| Net operating income to assets | 0.8460% | 3,133 |
| Return on assets (ROA) | 0.8469% | 3,199 |
| Pretax return on assets | 1.2719% | 2,391 |
| Return on Equity (ROE) | 8.0925% | 2,907 |
| Retained earnings to average equity (ytd only) | 6.3933% | 1,606 |
| Net charge-offs to loans | 0.4810% | 556 |
| Credit loss provision to net charge-offs | 21.1506% | 3,736 |
| Earnings coverage of net charge-offs (x) | 3.6210% | 3,693 |
| Efficiency ratio | 66.5573% | 3,818 |
| Assets per employee ($millions) | 5.5002% | 1,803 |
| Cash dividends to net income (ytd only)* | 20.9978% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 2,244 |
| Loan loss allowance to noncurrent loans | 112.6894% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.9931% | 2,214 |
| Noncurrent loans to loans | 1.2795% | 1,839 |
| Net loans and leases to total assets | 76.4967% | 1,332 |
| Net loans and leases to deposits | 87.2752% | 1,961 |
| Net loans and leases to core deposits | 102.8135% | 1,308 |
| Total domestic deposits to total assets | 87.6499% | 1,817 |
| Equity capital to assets | 10.6849% | 3,150 |
| Core capital (leverage) ratio | 10.5370% | 2,891 |
| Tier 1 risk-based capital ratio | 14.0550% | 3,683 |
| Total risk-based capital ratio | 15.3079% | 3,603 |
| Memoranda: | ||
| Average total assets | $158,587,200 | 3,446 |
| Average earning assets | $152,441,200 | 3,366 |
| Average equity | $16,595,600 | 3,587 |
| Average total loans | $122,879,000 | 3,010 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,271 |
| Cost of funding earning assets | 0.3811% | 3,420 |
| Net interest margin | 3.6359% | 3,012 |
| Noninterest income to average assets | 0.5565% | 3,010 |
| Noninterest expense to average assets | 2.6884% | 3,604 |
| Loan and lease loss provision to assets | 0.0547% | 3,100 |
| Net operating income to assets | 0.8714% | 3,080 |
| Return on assets (ROA) | 0.8714% | 3,164 |
| Pretax return on assets | 1.3076% | 2,365 |
| Return on Equity (ROE) | 8.3717% | 2,896 |
| Retained earnings to average equity (ytd only) | 7.4819% | 1,454 |
| Net charge-offs to loans | 0.3642% | 720 |
| Credit loss provision to net charge-offs | 19.4030% | 3,370 |
| Earnings coverage of net charge-offs (x) | 4.8298% | 3,293 |
| Efficiency ratio | 66.3687% | 3,822 |
| Assets per employee ($millions) | 5.4880% | 1,797 |
| Cash dividends to net income (ytd only)* | 10.6278% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6335% | 1,662 |
| Loan loss allowance to noncurrent loans | 81.2551% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.5319% | 1,458 |
| Noncurrent loans to loans | 2.0103% | 1,148 |
| Net loans and leases to total assets | 74.9562% | 1,554 |
| Net loans and leases to deposits | 85.6629% | 2,181 |
| Net loans and leases to core deposits | 101.6315% | 1,404 |
| Total domestic deposits to total assets | 87.5013% | 1,803 |
| Equity capital to assets | 10.6809% | 3,379 |
| Core capital (leverage) ratio | 10.9451% | 2,550 |
| Tier 1 risk-based capital ratio | 14.1622% | 3,756 |
| Total risk-based capital ratio | 15.4176% | 3,685 |
| Memoranda: | ||
| Average total assets | $158,357,750 | 3,485 |
| Average earning assets | $152,181,250 | 3,393 |
| Average equity | $16,483,750 | 3,626 |
| Average total loans | $122,648,500 | 3,032 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 3,279 |
| Cost of funding earning assets | 0.3900% | 3,371 |
| Net interest margin | 3.6113% | 3,040 |
| Noninterest income to average assets | 0.5807% | 2,850 |
| Noninterest expense to average assets | 2.7123% | 3,554 |
| Loan and lease loss provision to assets | 0.0127% | 3,865 |
| Net operating income to assets | 0.8830% | 2,974 |
| Return on assets (ROA) | 0.8830% | 3,088 |
| Pretax return on assets | 1.3233% | 2,272 |
| Return on Equity (ROE) | 8.5581% | 2,772 |
| Retained earnings to average equity (ytd only) | 7.6385% | 1,415 |
| Net charge-offs to loans | 0.3785% | 687 |
| Credit loss provision to net charge-offs | 4.2918% | 3,131 |
| Earnings coverage of net charge-offs (x) | 4.5322% | 3,029 |
| Efficiency ratio | 67.0000% | 3,839 |
| Assets per employee ($millions) | 5.3249% | 1,905 |
| Cash dividends to net income (ytd only)* | 10.7450% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 1,803 |
| Loan loss allowance to noncurrent loans | 89.6552% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.4648% | 1,692 |
| Noncurrent loans to loans | 1.8216% | 1,396 |
| Net loans and leases to total assets | 79.1006% | 921 |
| Net loans and leases to deposits | 90.4787% | 1,537 |
| Net loans and leases to core deposits | 106.3896% | 1,053 |
| Total domestic deposits to total assets | 87.4246% | 1,945 |
| Equity capital to assets | 10.7634% | 3,150 |
| Core capital (leverage) ratio | 10.8231% | 2,589 |
| Tier 1 risk-based capital ratio | 13.7864% | 4,039 |
| Total risk-based capital ratio | 15.0419% | 3,972 |
| Memoranda: | ||
| Average total assets | $158,092,670 | 3,516 |
| Average earning assets | $151,802,330 | 3,421 |
| Average equity | $16,312,000 | 3,671 |
| Average total loans | $123,106,000 | 3,034 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 3,360 |
| Cost of funding earning assets | 0.4014% | 3,291 |
| Net interest margin | 3.5629% | 3,159 |
| Noninterest income to average assets | 0.6178% | 2,560 |
| Noninterest expense to average assets | 2.7137% | 3,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8829% | 2,830 |
| Return on assets (ROA) | 0.8829% | 2,958 |
| Pretax return on assets | 1.3231% | 2,186 |
| Return on Equity (ROE) | 8.7390% | 2,580 |
| Retained earnings to average equity (ytd only) | 7.9963% | 1,574 |
| Net charge-offs to loans | -0.0326% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2243% | 3,951 |
| Assets per employee ($millions) | 5.6517% | 1,666 |
| Cash dividends to net income (ytd only)* | 8.4986% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 1,431 |
| Loan loss allowance to noncurrent loans | 84.0149% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 1.6999% | 1,473 |
| Noncurrent loans to loans | 2.1782% | 1,167 |
| Net loans and leases to total assets | 76.6114% | 1,123 |
| Net loans and leases to deposits | 87.4712% | 1,678 |
| Net loans and leases to core deposits | 102.0471% | 1,173 |
| Total domestic deposits to total assets | 87.5847% | 2,053 |
| Equity capital to assets | 10.3546% | 3,712 |
| Core capital (leverage) ratio | 10.3689% | 3,138 |
| Tier 1 risk-based capital ratio | 13.1346% | 4,539 |
| Total risk-based capital ratio | 14.3916% | 4,448 |
| Memoranda: | ||
| Average total assets | $159,928,500 | 3,507 |
| Average earning assets | $153,469,000 | 3,411 |
| Average equity | $16,157,500 | 3,721 |
| Average total loans | $122,571,000 | 3,051 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,273 |
| Cost of funding earning assets | 0.4550% | 3,120 |
| Net interest margin | 3.6598% | 3,182 |
| Noninterest income to average assets | 0.3655% | 4,474 |
| Noninterest expense to average assets | 2.6708% | 3,976 |
| Loan and lease loss provision to assets | 0.0909% | 2,649 |
| Net operating income to assets | 0.7342% | 3,712 |
| Return on assets (ROA) | 0.7342% | 3,820 |
| Pretax return on assets | 1.1023% | 3,074 |
| Return on Equity (ROE) | 7.3631% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.2694% | 1,773 |
| Net charge-offs to loans | 0.1709% | 2,321 |
| Credit loss provision to net charge-offs | 68.2927% | 3,111 |
| Earnings coverage of net charge-offs (x) | 8.9659% | 2,809 |
| Efficiency ratio | 69.1196% | 3,685 |
| Assets per employee ($millions) | 5.5727% | 1,710 |
| Cash dividends to net income (ytd only)* | 14.8541% | 3,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 1,425 |
| Loan loss allowance to noncurrent loans | 82.7878% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.6825% | 1,591 |
| Noncurrent loans to loans | 2.2352% | 1,180 |
| Net loans and leases to total assets | 73.8789% | 1,602 |
| Net loans and leases to deposits | 83.8089% | 2,236 |
| Net loans and leases to core deposits | 97.9217% | 1,555 |
| Total domestic deposits to total assets | 88.1516% | 1,684 |
| Equity capital to assets | 9.8565% | 4,284 |
| Core capital (leverage) ratio | 9.9695% | 3,617 |
| Tier 1 risk-based capital ratio | 13.7287% | 4,280 |
| Total risk-based capital ratio | 14.9867% | 4,210 |
| Memoranda: | ||
| Average total assets | $154,038,200 | 3,574 |
| Average earning assets | $147,247,800 | 3,494 |
| Average equity | $15,360,400 | 3,769 |
| Average total loans | $119,979,200 | 3,042 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 3,130 |
| Cost of funding earning assets | 0.4670% | 3,083 |
| Net interest margin | 3.6926% | 3,055 |
| Noninterest income to average assets | 0.3470% | 4,666 |
| Noninterest expense to average assets | 2.6719% | 3,934 |
| Loan and lease loss provision to assets | 0.1227% | 2,034 |
| Net operating income to assets | 0.7203% | 3,834 |
| Return on assets (ROA) | 0.7203% | 3,941 |
| Pretax return on assets | 1.0796% | 3,268 |
| Return on Equity (ROE) | 7.2017% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.5884% | 2,046 |
| Net charge-offs to loans | 0.1963% | 1,902 |
| Credit loss provision to net charge-offs | 79.5455% | 2,603 |
| Earnings coverage of net charge-offs (x) | 7.7955% | 2,892 |
| Efficiency ratio | 68.9663% | 3,685 |
| Assets per employee ($millions) | 5.3591% | 1,850 |
| Cash dividends to net income (ytd only)* | 8.5157% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8719% | 1,524 |
| Loan loss allowance to noncurrent loans | 103.8251% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 2,185 |
| Noncurrent loans to loans | 1.8030% | 1,793 |
| Net loans and leases to total assets | 76.9038% | 1,106 |
| Net loans and leases to deposits | 87.6503% | 1,716 |
| Net loans and leases to core deposits | 103.1812% | 1,144 |
| Total domestic deposits to total assets | 87.7393% | 1,904 |
| Equity capital to assets | 10.1039% | 4,044 |
| Core capital (leverage) ratio | 10.2268% | 3,374 |
| Tier 1 risk-based capital ratio | 13.3348% | 4,656 |
| Total risk-based capital ratio | 14.5932% | 4,581 |
| Memoranda: | ||
| Average total assets | $152,145,500 | 3,621 |
| Average earning assets | $145,332,500 | 3,556 |
| Average equity | $15,218,250 | 3,816 |
| Average total loans | $119,562,500 | 3,061 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1552% | 3,126 |
| Cost of funding earning assets | 0.4863% | 2,962 |
| Net interest margin | 3.6689% | 3,071 |
| Noninterest income to average assets | 0.3032% | 4,981 |
| Noninterest expense to average assets | 2.6467% | 4,067 |
| Loan and lease loss provision to assets | 0.1258% | 1,965 |
| Net operating income to assets | 0.6925% | 3,885 |
| Return on assets (ROA) | 0.6925% | 3,974 |
| Pretax return on assets | 1.0367% | 3,338 |
| Return on Equity (ROE) | 6.9471% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.0173% | 2,313 |
| Net charge-offs to loans | 0.3299% | 1,238 |
| Credit loss provision to net charge-offs | 48.4694% | 2,813 |
| Earnings coverage of net charge-offs (x) | 4.4796% | 3,101 |
| Efficiency ratio | 69.4821% | 3,742 |
| Assets per employee ($millions) | 5.3145% | 1,865 |
| Cash dividends to net income (ytd only)* | 13.3843% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 1,831 |
| Loan loss allowance to noncurrent loans | 106.6442% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.6675% | 1,946 |
| Noncurrent loans to loans | 1.6940% | 2,051 |
| Net loans and leases to total assets | 78.1190% | 895 |
| Net loans and leases to deposits | 90.3488% | 1,339 |
| Net loans and leases to core deposits | 107.2703% | 811 |
| Total domestic deposits to total assets | 86.4638% | 2,779 |
| Equity capital to assets | 9.9792% | 4,133 |
| Core capital (leverage) ratio | 10.3033% | 3,211 |
| Tier 1 risk-based capital ratio | 12.9607% | 4,938 |
| Total risk-based capital ratio | 14.2182% | 4,869 |
| Memoranda: | ||
| Average total assets | $151,055,670 | 3,664 |
| Average earning assets | $144,350,330 | 3,590 |
| Average equity | $15,056,670 | 3,846 |
| Average total loans | $118,816,670 | 3,088 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 3,071 |
| Cost of funding earning assets | 0.5198% | 2,721 |
| Net interest margin | 3.6303% | 3,138 |
| Noninterest income to average assets | 0.2675% | 5,228 |
| Noninterest expense to average assets | 2.6966% | 3,941 |
| Loan and lease loss provision to assets | 0.0535% | 3,040 |
| Net operating income to assets | 0.6634% | 3,876 |
| Return on assets (ROA) | 0.6634% | 3,966 |
| Pretax return on assets | 0.9925% | 3,352 |
| Return on Equity (ROE) | 6.6600% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.7801% | 3,245 |
| Net charge-offs to loans | 0.2942% | 1,183 |
| Credit loss provision to net charge-offs | 23.2558% | 2,471 |
| Earnings coverage of net charge-offs (x) | 4.5465% | 2,509 |
| Efficiency ratio | 72.0515% | 3,479 |
| Assets per employee ($millions) | 5.3133% | 1,893 |
| Cash dividends to net income (ytd only)* | 28.2258% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 1,715 |
| Loan loss allowance to noncurrent loans | 99.2063% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.8559% | 1,874 |
| Noncurrent loans to loans | 1.9264% | 1,957 |
| Net loans and leases to total assets | 77.6241% | 804 |
| Net loans and leases to deposits | 88.8126% | 1,274 |
| Net loans and leases to core deposits | 106.1376% | 750 |
| Total domestic deposits to total assets | 87.4022% | 2,567 |
| Equity capital to assets | 10.0987% | 3,727 |
| Core capital (leverage) ratio | 10.3327% | 3,137 |
| Tier 1 risk-based capital ratio | 13.2486% | 4,862 |
| Total risk-based capital ratio | 14.5077% | 4,792 |
| Memoranda: | ||
| Average total assets | $149,523,500 | 3,710 |
| Average earning assets | $143,129,000 | 3,635 |
| Average equity | $14,895,000 | 3,879 |
| Average total loans | $116,919,000 | 3,137 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 3,478 |
| Cost of funding earning assets | 0.6216% | 2,471 |
| Net interest margin | 3.5432% | 3,715 |
| Noninterest income to average assets | 0.3233% | 5,022 |
| Noninterest expense to average assets | 2.8651% | 3,478 |
| Loan and lease loss provision to assets | 0.1587% | 2,300 |
| Net operating income to assets | 0.4616% | 4,907 |
| Return on assets (ROA) | 0.4966% | 4,884 |
| Pretax return on assets | 0.7366% | 4,394 |
| Return on Equity (ROE) | 4.9995% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.5711% | 5,105 |
| Net charge-offs to loans | 0.5754% | 1,147 |
| Credit loss provision to net charge-offs | 36.3636% | 4,118 |
| Earnings coverage of net charge-offs (x) | 1.9318% | 4,407 |
| Efficiency ratio | 77.2646% | 2,579 |
| Assets per employee ($millions) | 5.3670% | 1,782 |
| Cash dividends to net income (ytd only)* | 68.5752% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 1,562 |
| Loan loss allowance to noncurrent loans | 98.4275% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.9138% | 1,886 |
| Noncurrent loans to loans | 2.0266% | 1,961 |
| Net loans and leases to total assets | 75.7205% | 1,117 |
| Net loans and leases to deposits | 88.2701% | 1,434 |
| Net loans and leases to core deposits | 99.4207% | 1,200 |
| Total domestic deposits to total assets | 85.7827% | 3,369 |
| Equity capital to assets | 9.8260% | 3,993 |
| Core capital (leverage) ratio | 10.0199% | 3,535 |
| Tier 1 risk-based capital ratio | 13.2912% | 4,797 |
| Total risk-based capital ratio | 14.5507% | 4,726 |
| Memoranda: | ||
| Average total assets | $151,231,400 | 3,680 |
| Average earning assets | $144,473,600 | 3,594 |
| Average equity | $15,021,600 | 3,871 |
| Average total loans | $114,708,200 | 3,158 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 3,546 |
| Cost of funding earning assets | 0.6411% | 2,445 |
| Net interest margin | 3.5146% | 3,814 |
| Noninterest income to average assets | 0.3178% | 5,154 |
| Noninterest expense to average assets | 2.8757% | 3,390 |
| Loan and lease loss provision to assets | 0.2377% | 1,513 |
| Net operating income to assets | 0.3779% | 5,340 |
| Return on assets (ROA) | 0.4216% | 5,299 |
| Pretax return on assets | 0.6223% | 4,940 |
| Return on Equity (ROE) | 4.2335% | 5,115 |
| Retained earnings to average equity (ytd only) | 3.8800% | 3,928 |
| Net charge-offs to loans | 0.6517% | 939 |
| Credit loss provision to net charge-offs | 48.3005% | 3,551 |
| Earnings coverage of net charge-offs (x) | 1.6172% | 4,300 |
| Efficiency ratio | 78.3265% | 2,369 |
| Assets per employee ($millions) | 5.1685% | 1,967 |
| Cash dividends to net income (ytd only)* | 8.3504% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1351% | 1,436 |
| Loan loss allowance to noncurrent loans | 101.4511% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 1.9815% | 2,040 |
| Noncurrent loans to loans | 2.1046% | 2,124 |
| Net loans and leases to total assets | 74.8290% | 1,154 |
| Net loans and leases to deposits | 85.4070% | 1,690 |
| Net loans and leases to core deposits | 96.2201% | 1,378 |
| Total domestic deposits to total assets | 87.6147% | 2,352 |
| Equity capital to assets | 10.0396% | 3,848 |
| Core capital (leverage) ratio | 10.2662% | 3,291 |
| Tier 1 risk-based capital ratio | 13.5134% | 4,749 |
| Total risk-based capital ratio | 14.7744% | 4,701 |
| Memoranda: | ||
| Average total assets | $151,470,500 | 3,713 |
| Average earning assets | $144,538,250 | 3,630 |
| Average equity | $15,085,500 | 3,901 |
| Average total loans | $114,359,000 | 3,178 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 3,582 |
| Cost of funding earning assets | 0.6592% | 2,412 |
| Net interest margin | 3.4811% | 3,864 |
| Noninterest income to average assets | 0.3000% | 5,306 |
| Noninterest expense to average assets | 2.9158% | 3,282 |
| Loan and lease loss provision to assets | 0.2368% | 1,569 |
| Net operating income to assets | 0.3189% | 5,527 |
| Return on assets (ROA) | 0.3842% | 5,436 |
| Pretax return on assets | 0.5645% | 5,150 |
| Return on Equity (ROE) | 3.8681% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.8681% | 3,837 |
| Net charge-offs to loans | 0.5390% | 1,228 |
| Credit loss provision to net charge-offs | 58.4416% | 3,048 |
| Earnings coverage of net charge-offs (x) | 1.7403% | 3,953 |
| Efficiency ratio | 80.5233% | 2,086 |
| Assets per employee ($millions) | 5.3059% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2812% | 1,287 |
| Loan loss allowance to noncurrent loans | 92.1229% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 2.3047% | 1,880 |
| Noncurrent loans to loans | 2.4763% | 1,882 |
| Net loans and leases to total assets | 75.1979% | 1,089 |
| Net loans and leases to deposits | 85.7837% | 1,596 |
| Net loans and leases to core deposits | 96.4616% | 1,310 |
| Total domestic deposits to total assets | 87.6599% | 2,463 |
| Equity capital to assets | 10.0475% | 3,856 |
| Core capital (leverage) ratio | 10.0462% | 3,450 |
| Tier 1 risk-based capital ratio | 13.4069% | 4,831 |
| Total risk-based capital ratio | 14.6703% | 4,781 |
| Memoranda: | ||
| Average total assets | $151,998,330 | 3,733 |
| Average earning assets | $145,013,670 | 3,646 |
| Average equity | $15,098,000 | 3,925 |
| Average total loans | $114,276,670 | 3,185 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 3,676 |
| Cost of funding earning assets | 0.6717% | 2,468 |
| Net interest margin | 3.4406% | 3,959 |
| Noninterest income to average assets | 0.3539% | 4,845 |
| Noninterest expense to average assets | 3.1227% | 2,608 |
| Loan and lease loss provision to assets | 0.2342% | 1,558 |
| Net operating income to assets | 0.1867% | 5,931 |
| Return on assets (ROA) | 0.3123% | 5,653 |
| Pretax return on assets | 0.4632% | 5,383 |
| Return on Equity (ROE) | 3.1613% | 5,514 |
| Retained earnings to average equity (ytd only) | 3.1613% | 4,369 |
| Net charge-offs to loans | 0.3011% | 1,760 |
| Credit loss provision to net charge-offs | 104.6512% | 1,762 |
| Earnings coverage of net charge-offs (x) | 2.2791% | 3,086 |
| Efficiency ratio | 85.9599% | 1,524 |
| Assets per employee ($millions) | 5.3660% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3867% | 1,266 |
| Loan loss allowance to noncurrent loans | 94.8753% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 2.3701% | 1,964 |
| Noncurrent loans to loans | 2.5156% | 2,055 |
| Net loans and leases to total assets | 74.5858% | 997 |
| Net loans and leases to deposits | 85.1827% | 1,447 |
| Net loans and leases to core deposits | 95.6610% | 1,220 |
| Total domestic deposits to total assets | 87.5598% | 2,598 |
| Equity capital to assets | 10.1193% | 3,989 |
| Core capital (leverage) ratio | 9.9076% | 3,520 |
| Tier 1 risk-based capital ratio | 13.2343% | 5,053 |
| Total risk-based capital ratio | 14.4985% | 4,995 |
| Memoranda: | ||
| Average total assets | $153,715,500 | 3,750 |
| Average earning assets | $146,486,500 | 3,653 |
| Average equity | $15,183,500 | 3,958 |
| Average total loans | $114,252,500 | 3,198 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 4,149 |
| Cost of funding earning assets | 0.8341% | 2,401 |
| Net interest margin | 3.4777% | 4,593 |
| Noninterest income to average assets | 0.4461% | 4,275 |
| Noninterest expense to average assets | 2.8216% | 3,941 |
| Loan and lease loss provision to assets | 0.3563% | 1,874 |
| Net operating income to assets | 0.3817% | 5,174 |
| Return on assets (ROA) | 0.3992% | 5,347 |
| Pretax return on assets | 0.5873% | 5,031 |
| Return on Equity (ROE) | 4.0766% | 5,108 |
| Retained earnings to average equity (ytd only) | 4.0766% | 3,347 |
| Net charge-offs to loans | 1.0327% | 1,043 |
| Credit loss provision to net charge-offs | 46.4316% | 4,773 |
| Earnings coverage of net charge-offs (x) | 1.1960% | 4,861 |
| Efficiency ratio | 75.4544% | 2,837 |
| Assets per employee ($millions) | 5.6137% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4063% | 1,224 |
| Loan loss allowance to noncurrent loans | 95.8991% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 2.8266% | 1,694 |
| Noncurrent loans to loans | 2.5092% | 2,102 |
| Net loans and leases to total assets | 70.5962% | 1,730 |
| Net loans and leases to deposits | 80.1615% | 2,257 |
| Net loans and leases to core deposits | 90.0508% | 1,827 |
| Total domestic deposits to total assets | 88.0675% | 2,200 |
| Equity capital to assets | 9.6467% | 4,660 |
| Core capital (leverage) ratio | 9.4028% | 4,253 |
| Tier 1 risk-based capital ratio | 13.1180% | 5,024 |
| Total risk-based capital ratio | 14.3828% | 4,961 |
| Memoranda: | ||
| Average total assets | $151,543,200 | 3,744 |
| Average earning assets | $143,514,200 | 3,671 |
| Average equity | $14,840,800 | 3,998 |
| Average total loans | $112,619,000 | 3,237 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 4,210 |
| Cost of funding earning assets | 0.8651% | 2,432 |
| Net interest margin | 3.4942% | 4,670 |
| Noninterest income to average assets | 0.4503% | 4,288 |
| Noninterest expense to average assets | 2.7664% | 4,107 |
| Loan and lease loss provision to assets | 0.3996% | 1,602 |
| Net operating income to assets | 0.4013% | 5,243 |
| Return on assets (ROA) | 0.4236% | 5,385 |
| Pretax return on assets | 0.6243% | 5,094 |
| Return on Equity (ROE) | 4.3087% | 5,146 |
| Retained earnings to average equity (ytd only) | 4.3087% | 3,854 |
| Net charge-offs to loans | 1.2129% | 798 |
| Credit loss provision to net charge-offs | 44.0313% | 4,528 |
| Earnings coverage of net charge-offs (x) | 1.0920% | 4,758 |
| Efficiency ratio | 73.6233% | 3,043 |
| Assets per employee ($millions) | 5.4227% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4435% | 1,280 |
| Loan loss allowance to noncurrent loans | 90.2818% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 3.2990% | 1,547 |
| Noncurrent loans to loans | 2.7065% | 2,093 |
| Net loans and leases to total assets | 73.2848% | 1,351 |
| Net loans and leases to deposits | 83.4354% | 1,935 |
| Net loans and leases to core deposits | 94.1619% | 1,570 |
| Total domestic deposits to total assets | 87.8342% | 2,146 |
| Equity capital to assets | 9.9259% | 4,610 |
| Core capital (leverage) ratio | 9.4659% | 4,321 |
| Tier 1 risk-based capital ratio | 12.6641% | 5,514 |
| Total risk-based capital ratio | 13.9291% | 5,460 |
| Memoranda: | ||
| Average total assets | $150,133,000 | 3,821 |
| Average earning assets | $142,100,250 | 3,734 |
| Average equity | $14,760,250 | 4,054 |
| Average total loans | $112,348,250 | 3,273 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 4,173 |
| Cost of funding earning assets | 0.8853% | 2,522 |
| Net interest margin | 3.5186% | 4,594 |
| Noninterest income to average assets | 0.4493% | 4,295 |
| Noninterest expense to average assets | 2.7546% | 4,203 |
| Loan and lease loss provision to assets | 0.4814% | 1,317 |
| Net operating income to assets | 0.3706% | 5,343 |
| Return on assets (ROA) | 0.4052% | 5,431 |
| Pretax return on assets | 0.5964% | 5,149 |
| Return on Equity (ROE) | 4.1346% | 5,205 |
| Retained earnings to average equity (ytd only) | 4.1346% | 3,858 |
| Net charge-offs to loans | 0.6907% | 1,608 |
| Credit loss provision to net charge-offs | 93.2642% | 2,947 |
| Earnings coverage of net charge-offs (x) | 1.9896% | 3,985 |
| Efficiency ratio | 72.8430% | 3,268 |
| Assets per employee ($millions) | 5.5727% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9115% | 860 |
| Loan loss allowance to noncurrent loans | 116.7017% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 3.2619% | 1,662 |
| Noncurrent loans to loans | 2.4948% | 2,416 |
| Net loans and leases to total assets | 73.8675% | 1,265 |
| Net loans and leases to deposits | 83.6449% | 1,904 |
| Net loans and leases to core deposits | 94.0344% | 1,598 |
| Total domestic deposits to total assets | 88.3108% | 1,950 |
| Equity capital to assets | 9.8642% | 4,525 |
| Core capital (leverage) ratio | 9.3894% | 4,314 |
| Tier 1 risk-based capital ratio | 12.5946% | 5,502 |
| Total risk-based capital ratio | 13.8654% | 5,466 |
| Memoranda: | ||
| Average total assets | $149,565,670 | 3,845 |
| Average earning assets | $141,648,670 | 3,759 |
| Average equity | $14,656,670 | 4,058 |
| Average total loans | $111,778,000 | 3,292 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4122% | 4,282 |
| Cost of funding earning assets | 0.9056% | 2,643 |
| Net interest margin | 3.5066% | 4,663 |
| Noninterest income to average assets | 0.4426% | 4,350 |
| Noninterest expense to average assets | 2.7468% | 4,257 |
| Loan and lease loss provision to assets | 0.4828% | 1,265 |
| Net operating income to assets | 0.3644% | 5,405 |
| Return on assets (ROA) | 0.4319% | 5,305 |
| Pretax return on assets | 0.6357% | 4,989 |
| Return on Equity (ROE) | 4.4219% | 5,084 |
| Retained earnings to average equity (ytd only) | 4.4219% | 3,945 |
| Net charge-offs to loans | 0.6303% | 1,534 |
| Credit loss provision to net charge-offs | 103.4483% | 2,234 |
| Earnings coverage of net charge-offs (x) | 2.1839% | 3,289 |
| Efficiency ratio | 72.9345% | 3,265 |
| Assets per employee ($millions) | 5.9223% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0051% | 822 |
| Loan loss allowance to noncurrent loans | 88.9741% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 3.6018% | 1,579 |
| Noncurrent loans to loans | 3.3775% | 1,872 |
| Net loans and leases to total assets | 70.5351% | 1,660 |
| Net loans and leases to deposits | 79.4955% | 2,273 |
| Net loans and leases to core deposits | 88.6967% | 1,979 |
| Total domestic deposits to total assets | 88.7284% | 1,866 |
| Equity capital to assets | 9.4895% | 4,821 |
| Core capital (leverage) ratio | 9.5698% | 3,957 |
| Tier 1 risk-based capital ratio | 12.7789% | 5,383 |
| Total risk-based capital ratio | 14.0512% | 5,339 |
| Memoranda: | ||
| Average total assets | $149,116,500 | 3,887 |
| Average earning assets | $141,335,000 | 3,788 |
| Average equity | $14,564,000 | 4,079 |
| Average total loans | $110,428,500 | 3,347 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 4,432 |
| Cost of funding earning assets | 1.0704% | 2,880 |
| Net interest margin | 3.5869% | 4,779 |
| Noninterest income to average assets | 0.4233% | 4,422 |
| Noninterest expense to average assets | 2.7126% | 4,700 |
| Loan and lease loss provision to assets | 0.8712% | 1,115 |
| Net operating income to assets | 0.1667% | 5,685 |
| Return on assets (ROA) | 0.2257% | 5,648 |
| Pretax return on assets | 0.3255% | 5,494 |
| Return on Equity (ROE) | 2.3240% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.3240% | 4,561 |
| Net charge-offs to loans | 0.5869% | 2,690 |
| Credit loss provision to net charge-offs | 194.5038% | 1,308 |
| Earnings coverage of net charge-offs (x) | 2.4809% | 3,972 |
| Efficiency ratio | 70.9406% | 3,785 |
| Assets per employee ($millions) | 5.7701% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0850% | 753 |
| Loan loss allowance to noncurrent loans | 89.9331% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 3.8121% | 1,516 |
| Noncurrent loans to loans | 3.4303% | 1,877 |
| Net loans and leases to total assets | 73.1513% | 1,425 |
| Net loans and leases to deposits | 83.1145% | 2,053 |
| Net loans and leases to core deposits | 93.5612% | 1,747 |
| Total domestic deposits to total assets | 88.0127% | 2,142 |
| Equity capital to assets | 10.0629% | 4,083 |
| Core capital (leverage) ratio | 9.3923% | 4,192 |
| Tier 1 risk-based capital ratio | 12.9018% | 5,153 |
| Total risk-based capital ratio | 14.1753% | 5,111 |
| Memoranda: | ||
| Average total assets | $146,241,800 | 3,869 |
| Average earning assets | $138,643,600 | 3,771 |
| Average equity | $14,199,800 | 4,068 |
| Average total loans | $111,598,000 | 3,344 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6755% | 4,565 |
| Cost of funding earning assets | 1.0867% | 3,068 |
| Net interest margin | 3.5888% | 4,816 |
| Noninterest income to average assets | 0.3416% | 5,128 |
| Noninterest expense to average assets | 2.7595% | 4,497 |
| Loan and lease loss provision to assets | 0.8341% | 1,109 |
| Net operating income to assets | 0.1063% | 5,950 |
| Return on assets (ROA) | 0.1826% | 5,874 |
| Pretax return on assets | 0.2599% | 5,787 |
| Return on Equity (ROE) | 1.8978% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.8978% | 5,192 |
| Net charge-offs to loans | 0.5059% | 2,738 |
| Credit loss provision to net charge-offs | 215.4930% | 1,335 |
| Earnings coverage of net charge-offs (x) | 2.5446% | 3,856 |
| Efficiency ratio | 73.6957% | 3,239 |
| Assets per employee ($millions) | 5.8884% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9146% | 923 |
| Loan loss allowance to noncurrent loans | 73.0830% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 4.0792% | 1,499 |
| Noncurrent loans to loans | 3.9881% | 1,663 |
| Net loans and leases to total assets | 73.1090% | 1,490 |
| Net loans and leases to deposits | 83.0149% | 2,171 |
| Net loans and leases to core deposits | 93.4820% | 1,834 |
| Total domestic deposits to total assets | 88.0673% | 2,004 |
| Equity capital to assets | 9.7874% | 4,641 |
| Core capital (leverage) ratio | 9.2643% | 4,520 |
| Tier 1 risk-based capital ratio | 12.2956% | 5,672 |
| Total risk-based capital ratio | 13.5672% | 5,639 |
| Memoranda: | ||
| Average total assets | $146,739,000 | 3,876 |
| Average earning assets | $139,134,500 | 3,784 |
| Average equity | $14,120,750 | 4,103 |
| Average total loans | $112,277,000 | 3,367 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6983% | 4,541 |
| Cost of funding earning assets | 1.0998% | 3,235 |
| Net interest margin | 3.5985% | 4,723 |
| Noninterest income to average assets | 0.3370% | 5,190 |
| Noninterest expense to average assets | 2.7534% | 4,617 |
| Loan and lease loss provision to assets | 1.0069% | 863 |
| Net operating income to assets | -0.0064% | 6,238 |
| Return on assets (ROA) | 0.0723% | 6,157 |
| Pretax return on assets | 0.0914% | 6,116 |
| Return on Equity (ROE) | 0.7558% | 6,132 |
| Retained earnings to average equity (ytd only) | 0.7558% | 5,555 |
| Net charge-offs to loans | 0.7432% | 2,015 |
| Credit loss provision to net charge-offs | 176.1337% | 1,711 |
| Earnings coverage of net charge-offs (x) | 1.7470% | 3,993 |
| Efficiency ratio | 73.3818% | 3,487 |
| Assets per employee ($millions) | 5.5213% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7410% | 1,137 |
| Loan loss allowance to noncurrent loans | 87.6972% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 3.5325% | 1,857 |
| Noncurrent loans to loans | 3.1255% | 2,303 |
| Net loans and leases to total assets | 75.5867% | 1,141 |
| Net loans and leases to deposits | 86.0484% | 1,790 |
| Net loans and leases to core deposits | 97.1910% | 1,562 |
| Total domestic deposits to total assets | 87.8421% | 2,251 |
| Equity capital to assets | 9.8758% | 4,301 |
| Core capital (leverage) ratio | 9.2113% | 4,386 |
| Tier 1 risk-based capital ratio | 11.9170% | 5,850 |
| Total risk-based capital ratio | 13.1861% | 5,815 |
| Memoranda: | ||
| Average total assets | $146,582,330 | 3,907 |
| Average earning assets | $139,112,670 | 3,803 |
| Average equity | $14,025,000 | 4,116 |
| Average total loans | $112,751,330 | 3,393 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6667% | 4,658 |
| Cost of funding earning assets | 1.1047% | 3,485 |
| Net interest margin | 3.5620% | 4,762 |
| Noninterest income to average assets | 0.2971% | 5,539 |
| Noninterest expense to average assets | 2.5767% | 5,307 |
| Loan and lease loss provision to assets | 1.5044% | 427 |
| Net operating income to assets | -0.2556% | 6,614 |
| Return on assets (ROA) | -0.2107% | 6,586 |
| Pretax return on assets | -0.3349% | 6,643 |
| Return on Equity (ROE) | -2.2367% | 6,611 |
| Retained earnings to average equity (ytd only) | -2.2367% | 6,187 |
| Net charge-offs to loans | 0.8646% | 1,527 |
| Credit loss provision to net charge-offs | 227.3469% | 1,342 |
| Earnings coverage of net charge-offs (x) | 1.6612% | 3,478 |
| Efficiency ratio | 70.0955% | 4,249 |
| Assets per employee ($millions) | 5.5543% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7323% | 1,177 |
| Loan loss allowance to noncurrent loans | 60.3084% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 4.6000% | 1,405 |
| Noncurrent loans to loans | 4.5306% | 1,539 |
| Net loans and leases to total assets | 75.2093% | 1,145 |
| Net loans and leases to deposits | 85.3271% | 1,832 |
| Net loans and leases to core deposits | 96.7375% | 1,616 |
| Total domestic deposits to total assets | 88.1423% | 2,294 |
| Equity capital to assets | 9.6286% | 4,279 |
| Core capital (leverage) ratio | 8.9853% | 4,635 |
| Tier 1 risk-based capital ratio | 11.6977% | 5,944 |
| Total risk-based capital ratio | 12.9684% | 5,929 |
| Memoranda: | ||
| Average total assets | $148,097,000 | 3,906 |
| Average earning assets | $140,484,500 | 3,809 |
| Average equity | $13,949,000 | 4,119 |
| Average total loans | $113,344,500 | 3,406 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 5,103 |
| Cost of funding earning assets | 1.4048% | 3,237 |
| Net interest margin | 3.4798% | 5,323 |
| Noninterest income to average assets | 0.2886% | 5,721 |
| Noninterest expense to average assets | 2.7121% | 4,939 |
| Loan and lease loss provision to assets | 1.1987% | 1,308 |
| Net operating income to assets | -0.1739% | 6,080 |
| Return on assets (ROA) | -0.0648% | 6,025 |
| Pretax return on assets | -0.1416% | 6,034 |
| Return on Equity (ROE) | -0.7053% | 6,039 |
| Retained earnings to average equity (ytd only) | -0.7053% | 5,745 |
| Net charge-offs to loans | 1.6318% | 1,325 |
| Credit loss provision to net charge-offs | 94.4211% | 4,920 |
| Earnings coverage of net charge-offs (x) | 0.6984% | 5,410 |
| Efficiency ratio | 75.3620% | 3,140 |
| Assets per employee ($millions) | 6.0712% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3821% | 1,573 |
| Loan loss allowance to noncurrent loans | 73.7154% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 3.5334% | 1,957 |
| Noncurrent loans to loans | 3.2314% | 2,345 |
| Net loans and leases to total assets | 73.9790% | 1,668 |
| Net loans and leases to deposits | 83.7755% | 2,487 |
| Net loans and leases to core deposits | 97.2855% | 1,866 |
| Total domestic deposits to total assets | 88.3062% | 2,058 |
| Equity capital to assets | 9.2192% | 4,808 |
| Core capital (leverage) ratio | 8.7526% | 4,939 |
| Tier 1 risk-based capital ratio | 11.5095% | 5,904 |
| Total risk-based capital ratio | 12.7735% | 5,893 |
| Memoranda: | ||
| Average total assets | $149,665,200 | 3,879 |
| Average earning assets | $142,364,600 | 3,773 |
| Average equity | $13,752,400 | 4,199 |
| Average total loans | $116,436,200 | 3,391 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 5,153 |
| Cost of funding earning assets | 1.4603% | 3,219 |
| Net interest margin | 3.4638% | 5,439 |
| Noninterest income to average assets | 0.2539% | 6,082 |
| Noninterest expense to average assets | 2.7196% | 4,796 |
| Loan and lease loss provision to assets | 1.4429% | 932 |
| Net operating income to assets | -0.3658% | 6,482 |
| Return on assets (ROA) | -0.2199% | 6,401 |
| Pretax return on assets | -0.3853% | 6,484 |
| Return on Equity (ROE) | -2.3954% | 6,441 |
| Retained earnings to average equity (ytd only) | -2.3954% | 6,267 |
| Net charge-offs to loans | 2.0652% | 899 |
| Credit loss provision to net charge-offs | 89.2206% | 4,799 |
| Earnings coverage of net charge-offs (x) | 0.5130% | 5,510 |
| Efficiency ratio | 76.6247% | 2,826 |
| Assets per employee ($millions) | 5.8375% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3202% | 1,596 |
| Loan loss allowance to noncurrent loans | 68.1141% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 4.1522% | 1,656 |
| Noncurrent loans to loans | 3.4064% | 2,332 |
| Net loans and leases to total assets | 73.5332% | 1,902 |
| Net loans and leases to deposits | 83.0110% | 2,909 |
| Net loans and leases to core deposits | 96.1548% | 2,241 |
| Total domestic deposits to total assets | 88.5824% | 1,636 |
| Equity capital to assets | 9.2229% | 5,273 |
| Core capital (leverage) ratio | 8.8446% | 4,931 |
| Tier 1 risk-based capital ratio | 11.4901% | 5,945 |
| Total risk-based capital ratio | 12.7527% | 5,919 |
| Memoranda: | ||
| Average total assets | $149,136,250 | 3,938 |
| Average earning assets | $141,884,000 | 3,835 |
| Average equity | $13,692,250 | 4,275 |
| Average total loans | $116,788,750 | 3,426 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 5,193 |
| Cost of funding earning assets | 1.4905% | 3,305 |
| Net interest margin | 3.4567% | 5,418 |
| Noninterest income to average assets | 0.2320% | 6,254 |
| Noninterest expense to average assets | 2.4350% | 5,962 |
| Loan and lease loss provision to assets | 1.9345% | 634 |
| Net operating income to assets | -0.5077% | 6,659 |
| Return on assets (ROA) | -0.4749% | 6,664 |
| Pretax return on assets | -0.7824% | 6,776 |
| Return on Equity (ROE) | -5.1802% | 6,711 |
| Retained earnings to average equity (ytd only) | -5.1802% | 6,574 |
| Net charge-offs to loans | 2.1253% | 852 |
| Credit loss provision to net charge-offs | 114.7200% | 3,549 |
| Earnings coverage of net charge-offs (x) | 0.6528% | 5,092 |
| Efficiency ratio | 68.8668% | 4,411 |
| Assets per employee ($millions) | 5.7901% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5866% | 1,208 |
| Loan loss allowance to noncurrent loans | 49.9176% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 4.3436% | 1,535 |
| Noncurrent loans to loans | 5.1817% | 1,321 |
| Net loans and leases to total assets | 75.8008% | 1,527 |
| Net loans and leases to deposits | 85.3844% | 2,614 |
| Net loans and leases to core deposits | 99.1201% | 2,109 |
| Total domestic deposits to total assets | 88.7759% | 1,558 |
| Equity capital to assets | 9.2160% | 5,119 |
| Core capital (leverage) ratio | 9.1311% | 4,405 |
| Tier 1 risk-based capital ratio | 11.5797% | 5,689 |
| Total risk-based capital ratio | 12.8457% | 5,639 |
| Memoranda: | ||
| Average total assets | $148,256,670 | 3,990 |
| Average earning assets | $141,697,670 | 3,871 |
| Average equity | $13,590,330 | 4,294 |
| Average total loans | $117,633,000 | 3,444 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 5,137 |
| Cost of funding earning assets | 1.5275% | 3,390 |
| Net interest margin | 3.4475% | 5,384 |
| Noninterest income to average assets | 0.2230% | 6,369 |
| Noninterest expense to average assets | 2.4199% | 6,015 |
| Loan and lease loss provision to assets | 3.1785% | 308 |
| Net operating income to assets | -1.3268% | 7,265 |
| Return on assets (ROA) | -1.2589% | 7,259 |
| Pretax return on assets | -1.9740% | 7,409 |
| Return on Equity (ROE) | -13.7711% | 7,285 |
| Retained earnings to average equity (ytd only) | -13.7711% | 7,163 |
| Net charge-offs to loans | 3.2813% | 451 |
| Credit loss provision to net charge-offs | 120.8893% | 2,887 |
| Earnings coverage of net charge-offs (x) | 0.4178% | 4,659 |
| Efficiency ratio | 68.7790% | 4,557 |
| Assets per employee ($millions) | 5.6657% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6164% | 1,160 |
| Loan loss allowance to noncurrent loans | 49.8691% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 4.4675% | 1,518 |
| Noncurrent loans to loans | 5.2465% | 1,356 |
| Net loans and leases to total assets | 77.0141% | 1,326 |
| Net loans and leases to deposits | 87.1604% | 2,385 |
| Net loans and leases to core deposits | 101.8494% | 1,927 |
| Total domestic deposits to total assets | 88.3591% | 1,877 |
| Equity capital to assets | 8.9649% | 5,332 |
| Core capital (leverage) ratio | 8.9699% | 4,621 |
| Tier 1 risk-based capital ratio | 10.6096% | 6,531 |
| Total risk-based capital ratio | 11.8708% | 6,513 |
| Memoranda: | ||
| Average total assets | $147,114,000 | 4,061 |
| Average earning assets | $140,625,000 | 3,950 |
| Average equity | $13,448,500 | 4,363 |
| Average total loans | $117,878,500 | 3,500 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 6,126 |
| Cost of funding earning assets | 2.0909% | 2,510 |
| Net interest margin | 2.9989% | 6,649 |
| Noninterest income to average assets | 0.3594% | 5,520 |
| Noninterest expense to average assets | 2.6712% | 5,512 |
| Loan and lease loss provision to assets | 1.3976% | 1,642 |
| Net operating income to assets | -0.5024% | 6,181 |
| Return on assets (ROA) | -0.4919% | 6,166 |
| Pretax return on assets | -0.8099% | 6,269 |
| Return on Equity (ROE) | -5.3820% | 6,246 |
| Retained earnings to average equity (ytd only) | -6.0996% | 6,156 |
| Net charge-offs to loans | 0.8049% | 2,812 |
| Credit loss provision to net charge-offs | 211.8290% | 1,812 |
| Earnings coverage of net charge-offs (x) | 0.8658% | 5,245 |
| Efficiency ratio | 82.3827% | 2,558 |
| Assets per employee ($millions) | 5.6508% | 1,511 |
| Cash dividends to net income (ytd only)* | -13.3333% | 7,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3864% | 1,365 |
| Loan loss allowance to noncurrent loans | 47.9044% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 4.3629% | 1,492 |
| Noncurrent loans to loans | 4.9815% | 1,358 |
| Net loans and leases to total assets | 79.2370% | 1,141 |
| Net loans and leases to deposits | 90.1519% | 2,195 |
| Net loans and leases to core deposits | 104.1652% | 3,558 |
| Total domestic deposits to total assets | 87.8927% | 2,016 |
| Equity capital to assets | 9.3187% | 4,678 |
| Core capital (leverage) ratio | 8.9866% | 4,444 |
| Tier 1 risk-based capital ratio | 10.6706% | 6,233 |
| Total risk-based capital ratio | 11.9327% | 6,201 |
| Memoranda: | ||
| Average total assets | $152,479,600 | 3,920 |
| Average earning assets | $146,585,600 | 3,772 |
| Average equity | $13,935,400 | 4,269 |
| Average total loans | $124,979,600 | 3,374 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 6,369 |
| Cost of funding earning assets | 2.1727% | 2,541 |
| Net interest margin | 2.9002% | 6,860 |
| Noninterest income to average assets | 0.3943% | 5,344 |
| Noninterest expense to average assets | 2.7876% | 4,942 |
| Loan and lease loss provision to assets | 1.6776% | 1,109 |
| Net operating income to assets | -0.8029% | 6,694 |
| Return on assets (ROA) | -0.7946% | 6,689 |
| Pretax return on assets | -1.2668% | 6,849 |
| Return on Equity (ROE) | -8.7353% | 6,790 |
| Retained earnings to average equity (ytd only) | -9.6879% | 6,774 |
| Net charge-offs to loans | 0.5158% | 3,151 |
| Credit loss provision to net charge-offs | 395.9100% | 1,006 |
| Earnings coverage of net charge-offs (x) | 0.9386% | 5,121 |
| Efficiency ratio | 87.5136% | 1,916 |
| Assets per employee ($millions) | 5.7343% | 1,402 |
| Cash dividends to net income (ytd only)* | -10.9051% | 7,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6105% | 957 |
| Loan loss allowance to noncurrent loans | 50.1663% | 4,972 |
| Noncurrent assets plus other real estate owned to assets | 4.6998% | 1,274 |
| Noncurrent loans to loans | 5.2037% | 1,236 |
| Net loans and leases to total assets | 79.2717% | 1,332 |
| Net loans and leases to deposits | 90.0438% | 2,576 |
| Net loans and leases to core deposits | 104.3078% | 3,895 |
| Total domestic deposits to total assets | 88.0368% | 1,635 |
| Equity capital to assets | 9.0830% | 5,366 |
| Core capital (leverage) ratio | 8.8700% | 4,863 |
| Tier 1 risk-based capital ratio | 10.5478% | 6,417 |
| Total risk-based capital ratio | 11.8133% | 6,364 |
| Memoranda: | ||
| Average total assets | $153,869,500 | 3,916 |
| Average earning assets | $148,079,000 | 3,759 |
| Average equity | $13,996,500 | 4,300 |
| Average total loans | $126,409,250 | 3,375 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 6,576 |
| Cost of funding earning assets | 2.2345% | 2,647 |
| Net interest margin | 2.8268% | 6,962 |
| Noninterest income to average assets | 0.3100% | 6,024 |
| Noninterest expense to average assets | 2.8830% | 4,565 |
| Loan and lease loss provision to assets | 1.3109% | 1,309 |
| Net operating income to assets | -0.7251% | 6,773 |
| Return on assets (ROA) | -0.7127% | 6,766 |
| Pretax return on assets | -1.1450% | 6,904 |
| Return on Equity (ROE) | -7.8315% | 6,879 |
| Retained earnings to average equity (ytd only) | -9.2451% | 6,792 |
| Net charge-offs to loans | 0.5293% | 2,743 |
| Credit loss provision to net charge-offs | 300.5900% | 1,543 |
| Earnings coverage of net charge-offs (x) | 0.3363% | 5,344 |
| Efficiency ratio | 95.1592% | 1,429 |
| Assets per employee ($millions) | 5.8634% | 1,301 |
| Cash dividends to net income (ytd only)* | -18.0505% | 7,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 1,798 |
| Loan loss allowance to noncurrent loans | 37.0582% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 5.2366% | 980 |
| Noncurrent loans to loans | 5.1234% | 1,179 |
| Net loans and leases to total assets | 84.6320% | 544 |
| Net loans and leases to deposits | 96.2548% | 1,755 |
| Net loans and leases to core deposits | 111.5932% | 3,193 |
| Total domestic deposits to total assets | 87.9250% | 1,806 |
| Equity capital to assets | 9.3701% | 4,783 |
| Core capital (leverage) ratio | 8.9924% | 4,643 |
| Tier 1 risk-based capital ratio | 10.9110% | 5,972 |
| Total risk-based capital ratio | 12.1695% | 5,904 |
| Memoranda: | ||
| Average total assets | $155,462,330 | 3,917 |
| Average earning assets | $149,566,000 | 3,754 |
| Average equity | $14,148,000 | 4,270 |
| Average total loans | $128,094,000 | 3,375 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 6,977 |
| Cost of funding earning assets | 2.2514% | 2,915 |
| Net interest margin | 2.7306% | 7,138 |
| Noninterest income to average assets | 0.2351% | 6,582 |
| Noninterest expense to average assets | 2.2164% | 6,822 |
| Loan and lease loss provision to assets | 1.2483% | 1,029 |
| Net operating income to assets | -0.3528% | 6,740 |
| Return on assets (ROA) | -0.3352% | 6,798 |
| Pretax return on assets | -0.5653% | 6,873 |
| Return on Equity (ROE) | -3.7340% | 6,861 |
| Retained earnings to average equity (ytd only) | -5.2666% | 6,588 |
| Net charge-offs to loans | 0.1489% | 3,768 |
| Credit loss provision to net charge-offs | 1,039.5833% | 597 |
| Earnings coverage of net charge-offs (x) | 5.4583% | 2,672 |
| Efficiency ratio | 77.1777% | 3,298 |
| Assets per employee ($millions) | 6.3231% | 1,034 |
| Cash dividends to net income (ytd only)* | -41.0448% | 8,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 2,231 |
| Loan loss allowance to noncurrent loans | 30.8567% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 4.8187% | 959 |
| Noncurrent loans to loans | 5.4216% | 968 |
| Net loans and leases to total assets | 77.6516% | 1,903 |
| Net loans and leases to deposits | 95.3341% | 2,064 |
| Net loans and leases to core deposits | 109.6773% | 3,482 |
| Total domestic deposits to total assets | 81.4521% | 4,767 |
| Equity capital to assets | 8.6727% | 5,806 |
| Core capital (leverage) ratio | 9.0881% | 4,574 |
| Tier 1 risk-based capital ratio | 10.9072% | 5,987 |
| Total risk-based capital ratio | 12.1625% | 5,891 |
| Memoranda: | ||
| Average total assets | $159,901,500 | 3,842 |
| Average earning assets | $154,396,000 | 3,675 |
| Average equity | $14,354,500 | 4,256 |
| Average total loans | $128,912,000 | 3,388 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9001% | 6,033 |
| Cost of funding earning assets | 3.1772% | 1,262 |
| Net interest margin | 2.7229% | 7,458 |
| Noninterest income to average assets | 0.2062% | 6,968 |
| Noninterest expense to average assets | 2.1047% | 7,226 |
| Loan and lease loss provision to assets | 0.3090% | 3,895 |
| Net operating income to assets | 0.2992% | 5,545 |
| Return on assets (ROA) | 0.3425% | 5,206 |
| Pretax return on assets | 0.4711% | 5,070 |
| Return on Equity (ROE) | 4.0362% | 4,809 |
| Retained earnings to average equity (ytd only) | 2.5942% | 3,576 |
| Net charge-offs to loans | 0.3226% | 3,242 |
| Credit loss provision to net charge-offs | 118.0723% | 4,558 |
| Earnings coverage of net charge-offs (x) | 2.7542% | 4,706 |
| Efficiency ratio | 74.4866% | 3,496 |
| Assets per employee ($millions) | 5.9770% | 1,148 |
| Cash dividends to net income (ytd only)* | 35.7274% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 3,505 |
| Loan loss allowance to noncurrent loans | 36.0117% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 3.5115% | 1,268 |
| Noncurrent loans to loans | 3.7338% | 1,342 |
| Net loans and leases to total assets | 81.2544% | 1,372 |
| Net loans and leases to deposits | 96.7208% | 2,332 |
| Net loans and leases to core deposits | 113.4571% | 3,401 |
| Total domestic deposits to total assets | 84.0092% | 3,317 |
| Equity capital to assets | 9.2991% | 4,937 |
| Core capital (leverage) ratio | 8.9139% | 4,868 |
| Tier 1 risk-based capital ratio | 11.3291% | 5,408 |
| Total risk-based capital ratio | 12.5772% | 5,314 |
| Memoranda: | ||
| Average total assets | $158,553,600 | 3,745 |
| Average earning assets | $152,522,000 | 3,604 |
| Average equity | $13,453,200 | 4,465 |
| Average total loans | $128,644,800 | 3,291 |