Home > Exchange Bank of Missouri > Performance and Condition Ratios
Exchange Bank of Missouri, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1465% | 533 |
| Cost of funding earning assets | 2.3124% | 533 |
| Net interest margin | 3.8341% | 1,502 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 3.1566% | 866 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.5646% | 3,527 |
| Return on assets (ROA) | 0.5755% | 3,492 |
| Pretax return on assets | 0.7417% | 3,353 |
| Return on Equity (ROE) | 6.4500% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.3042% | 2,485 |
| Net charge-offs to loans | 0.0373% | 1,560 |
| Credit loss provision to net charge-offs | 262.0000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,700 |
| Efficiency ratio | 79.6423% | 936 |
| Assets per employee ($millions) | 5.8133% | 2,973 |
| Cash dividends to net income (ytd only)* | 17.7149% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 2,988 |
| Loan loss allowance to noncurrent loans | 10,444.8276% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,730 |
| Noncurrent loans to loans | 0.0102% | 3,690 |
| Net loans and leases to total assets | 80.4400% | 588 |
| Net loans and leases to deposits | 88.6774% | 1,377 |
| Net loans and leases to core deposits | 95.4977% | 1,681 |
| Total domestic deposits to total assets | 90.7100% | 578 |
| Equity capital to assets | 8.8114% | 2,814 |
| Core capital (leverage) ratio | 9.5934% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4278% | 2,442 |
| Memoranda: | ||
| Average total assets | $331,529,600 | 2,265 |
| Average earning assets | $303,410,000 | 2,283 |
| Average equity | $29,599,200 | 2,279 |
| Average total loans | $268,199,000 | 1,922 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9356% | 575 |
| Cost of funding earning assets | 2.1336% | 563 |
| Net interest margin | 3.8020% | 1,588 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 3.4330% | 601 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.3625% | 4,024 |
| Return on assets (ROA) | 0.3684% | 4,015 |
| Pretax return on assets | 0.4600% | 3,976 |
| Return on Equity (ROE) | 4.1100% | 3,961 |
| Retained earnings to average equity (ytd only) | 2.6424% | 3,599 |
| Net charge-offs to loans | 0.0393% | 1,327 |
| Credit loss provision to net charge-offs | 252.5641% | 978 |
| Earnings coverage of net charge-offs (x) | 16.7692% | 1,922 |
| Efficiency ratio | 86.5612% | 488 |
| Assets per employee ($millions) | 6.0392% | 2,714 |
| Cash dividends to net income (ytd only)* | 35.7301% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,074 |
| Loan loss allowance to noncurrent loans | 11,484.6154% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 2,335 |
| Noncurrent loans to loans | 0.0092% | 3,735 |
| Net loans and leases to total assets | 81.0300% | 534 |
| Net loans and leases to deposits | 89.8966% | 1,246 |
| Net loans and leases to core deposits | 96.6553% | 1,520 |
| Total domestic deposits to total assets | 90.1400% | 907 |
| Equity capital to assets | 8.2124% | 2,912 |
| Core capital (leverage) ratio | 9.5454% | 3,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0823% | 2,584 |
| Memoranda: | ||
| Average total assets | $327,212,500 | 2,285 |
| Average earning assets | $300,082,500 | 2,309 |
| Average equity | $29,315,500 | 2,282 |
| Average total loans | $264,347,000 | 1,940 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6557% | 680 |
| Cost of funding earning assets | 1.9309% | 573 |
| Net interest margin | 3.7249% | 1,774 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.5241% | 2,136 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0025% | 2,409 |
| Return on assets (ROA) | 1.0114% | 2,380 |
| Pretax return on assets | 1.3149% | 2,041 |
| Return on Equity (ROE) | 10.9600% | 2,432 |
| Retained earnings to average equity (ytd only) | 8.7851% | 1,738 |
| Net charge-offs to loans | 0.0085% | 1,885 |
| Credit loss provision to net charge-offs | 545.4545% | 615 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 617 |
| Efficiency ratio | 65.3042% | 2,334 |
| Assets per employee ($millions) | 6.1190% | 2,606 |
| Cash dividends to net income (ytd only)* | 19.8647% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,863 |
| Loan loss allowance to noncurrent loans | 829.3011% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 1,649 |
| Noncurrent loans to loans | 0.1348% | 2,797 |
| Net loans and leases to total assets | 81.1000% | 505 |
| Net loans and leases to deposits | 91.4956% | 1,062 |
| Net loans and leases to core deposits | 97.8489% | 1,360 |
| Total domestic deposits to total assets | 88.6300% | 1,369 |
| Equity capital to assets | 8.9403% | 2,556 |
| Core capital (leverage) ratio | 9.9725% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7072% | 2,400 |
| Memoranda: | ||
| Average total assets | $321,538,333 | 2,319 |
| Average earning assets | $295,206,000 | 2,342 |
| Average equity | $29,664,000 | 2,276 |
| Average total loans | $258,484,333 | 1,962 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4720% | 649 |
| Cost of funding earning assets | 1.8059% | 447 |
| Net interest margin | 3.6661% | 1,984 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.5615% | 2,073 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8923% | 2,884 |
| Return on assets (ROA) | 0.9044% | 2,799 |
| Pretax return on assets | 1.1693% | 2,514 |
| Return on Equity (ROE) | 9.6400% | 2,884 |
| Retained earnings to average equity (ytd only) | 5.2560% | 2,961 |
| Net charge-offs to loans | 0.0064% | 1,718 |
| Credit loss provision to net charge-offs | 1,325.0000% | 308 |
| Earnings coverage of net charge-offs (x) | 239.7500% | 443 |
| Efficiency ratio | 67.7104% | 2,004 |
| Assets per employee ($millions) | 6.3152% | 2,490 |
| Cash dividends to net income (ytd only)* | 45.4930% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,490 |
| Loan loss allowance to noncurrent loans | 308.5000% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 1,620 |
| Noncurrent loans to loans | 0.3929% | 1,751 |
| Net loans and leases to total assets | 78.0600% | 761 |
| Net loans and leases to deposits | 86.2405% | 1,336 |
| Net loans and leases to core deposits | 90.9553% | 1,566 |
| Total domestic deposits to total assets | 90.5200% | 973 |
| Equity capital to assets | 9.1643% | 2,397 |
| Core capital (leverage) ratio | 9.8018% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3568% | 2,237 |
| Memoranda: | ||
| Average total assets | $314,035,500 | 2,391 |
| Average earning assets | $287,721,000 | 2,411 |
| Average equity | $29,452,000 | 2,313 |
| Average total loans | $249,722,500 | 2,031 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 910 |
| Cost of funding earning assets | 0.8349% | 347 |
| Net interest margin | 3.5484% | 1,786 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.4183% | 2,367 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.0115% | 2,521 |
| Return on assets (ROA) | 1.0104% | 2,480 |
| Pretax return on assets | 1.3013% | 2,081 |
| Return on Equity (ROE) | 10.4700% | 2,654 |
| Retained earnings to average equity (ytd only) | 3.7478% | 3,480 |
| Net charge-offs to loans | 0.0551% | 1,111 |
| Credit loss provision to net charge-offs | 261.1570% | 981 |
| Earnings coverage of net charge-offs (x) | 35.6612% | 1,571 |
| Efficiency ratio | 62.9951% | 2,631 |
| Assets per employee ($millions) | 5.8845% | 2,865 |
| Cash dividends to net income (ytd only)* | 64.2166% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 3,828 |
| Loan loss allowance to noncurrent loans | 296.3014% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 1,417 |
| Noncurrent loans to loans | 0.2980% | 2,071 |
| Net loans and leases to total assets | 79.3400% | 665 |
| Net loans and leases to deposits | 88.4741% | 1,143 |
| Net loans and leases to core deposits | 91.6449% | 1,414 |
| Total domestic deposits to total assets | 89.6800% | 1,495 |
| Equity capital to assets | 9.6041% | 1,933 |
| Core capital (leverage) ratio | 10.3991% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4518% | 2,183 |
| Memoranda: | ||
| Average total assets | $306,998,000 | 2,420 |
| Average earning assets | $284,808,000 | 2,421 |
| Average equity | $29,617,600 | 2,349 |
| Average total loans | $219,701,000 | 2,109 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1823% | 920 |
| Cost of funding earning assets | 0.6951% | 276 |
| Net interest margin | 3.4872% | 1,697 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.4149% | 2,278 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.9882% | 2,516 |
| Return on assets (ROA) | 0.9838% | 2,511 |
| Pretax return on assets | 1.2814% | 2,103 |
| Return on Equity (ROE) | 10.1900% | 2,667 |
| Retained earnings to average equity (ytd only) | 2.8081% | 3,829 |
| Net charge-offs to loans | 0.0750% | 778 |
| Credit loss provision to net charge-offs | 171.6667% | 1,057 |
| Earnings coverage of net charge-offs (x) | 26.4333% | 1,584 |
| Efficiency ratio | 63.4085% | 2,636 |
| Assets per employee ($millions) | 5.6642% | 3,065 |
| Cash dividends to net income (ytd only)* | 72.4305% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8572% | 3,968 |
| Loan loss allowance to noncurrent loans | 299.8540% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 2,090 |
| Noncurrent loans to loans | 0.2859% | 2,223 |
| Net loans and leases to total assets | 79.1300% | 607 |
| Net loans and leases to deposits | 87.5310% | 1,063 |
| Net loans and leases to core deposits | 89.5886% | 1,322 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 9.2988% | 2,016 |
| Core capital (leverage) ratio | 10.2474% | 2,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4566% | 2,282 |
| Memoranda: | ||
| Average total assets | $307,249,000 | 2,431 |
| Average earning assets | $285,992,750 | 2,429 |
| Average equity | $29,675,000 | 2,384 |
| Average total loans | $213,390,250 | 2,146 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 1,042 |
| Cost of funding earning assets | 0.5932% | 290 |
| Net interest margin | 3.3498% | 1,758 |
| Noninterest income to average assets | 0.5575% | 1,915 |
| Noninterest expense to average assets | 2.3443% | 2,414 |
| Loan and lease loss provision to assets | 0.0820% | 1,201 |
| Net operating income to assets | 0.9627% | 2,301 |
| Return on assets (ROA) | 0.9561% | 2,309 |
| Pretax return on assets | 1.2526% | 1,892 |
| Return on Equity (ROE) | 9.7814% | 2,414 |
| Retained earnings to average equity (ytd only) | 2.6634% | 3,557 |
| Net charge-offs to loans | 0.1075% | 560 |
| Credit loss provision to net charge-offs | 115.4545% | 1,197 |
| Earnings coverage of net charge-offs (x) | 18.9000% | 1,570 |
| Efficiency ratio | 63.2971% | 2,870 |
| Assets per employee ($millions) | 6.1717% | 2,594 |
| Cash dividends to net income (ytd only)* | 72.7703% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 3,982 |
| Loan loss allowance to noncurrent loans | 293.6391% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 2,196 |
| Noncurrent loans to loans | 0.3028% | 2,247 |
| Net loans and leases to total assets | 73.1564% | 987 |
| Net loans and leases to deposits | 81.1900% | 1,303 |
| Net loans and leases to core deposits | 83.9416% | 1,453 |
| Total domestic deposits to total assets | 90.1052% | 1,670 |
| Equity capital to assets | 9.6032% | 1,939 |
| Core capital (leverage) ratio | 9.8588% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1108% | 2,012 |
| Memoranda: | ||
| Average total assets | $309,598,333 | 2,435 |
| Average earning assets | $289,269,667 | 2,436 |
| Average equity | $30,261,667 | 2,406 |
| Average total loans | $204,651,000 | 2,204 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6815% | 1,314 |
| Cost of funding earning assets | 0.6350% | 212 |
| Net interest margin | 3.0466% | 2,343 |
| Noninterest income to average assets | 0.5888% | 1,741 |
| Noninterest expense to average assets | 2.2261% | 2,754 |
| Loan and lease loss provision to assets | 0.0805% | 1,017 |
| Net operating income to assets | 0.8866% | 2,333 |
| Return on assets (ROA) | 0.8825% | 2,347 |
| Pretax return on assets | 1.1265% | 2,062 |
| Return on Equity (ROE) | 8.9531% | 2,334 |
| Retained earnings to average equity (ytd only) | 3.7834% | 3,016 |
| Net charge-offs to loans | 0.0041% | 1,624 |
| Credit loss provision to net charge-offs | 3,150.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 474.5000% | 218 |
| Efficiency ratio | 64.4502% | 2,972 |
| Assets per employee ($millions) | 6.4876% | 2,386 |
| Cash dividends to net income (ytd only)* | 57.7424% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 3,684 |
| Loan loss allowance to noncurrent loans | 304.6547% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 2,378 |
| Noncurrent loans to loans | 0.3310% | 2,295 |
| Net loans and leases to total assets | 62.6523% | 1,781 |
| Net loans and leases to deposits | 69.3625% | 2,027 |
| Net loans and leases to core deposits | 72.4406% | 2,073 |
| Total domestic deposits to total assets | 90.3259% | 1,371 |
| Equity capital to assets | 9.4234% | 2,344 |
| Core capital (leverage) ratio | 9.4797% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6708% | 1,928 |
| Memoranda: | ||
| Average total assets | $313,192,000 | 2,427 |
| Average earning assets | $292,921,500 | 2,433 |
| Average equity | $30,872,000 | 2,437 |
| Average total loans | $195,367,500 | 2,259 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5195% | 590 |
| Cost of funding earning assets | 0.7967% | 205 |
| Net interest margin | 3.7227% | 1,163 |
| Noninterest income to average assets | 0.6245% | 2,051 |
| Noninterest expense to average assets | 2.2030% | 3,075 |
| Loan and lease loss provision to assets | 0.1869% | 599 |
| Net operating income to assets | 1.3192% | 1,552 |
| Return on assets (ROA) | 1.3288% | 1,557 |
| Pretax return on assets | 1.7295% | 1,070 |
| Return on Equity (ROE) | 12.5444% | 1,635 |
| Retained earnings to average equity (ytd only) | 11.9233% | 540 |
| Net charge-offs to loans | 0.2759% | 320 |
| Credit loss provision to net charge-offs | 104.8828% | 1,751 |
| Earnings coverage of net charge-offs (x) | 10.6836% | 2,198 |
| Efficiency ratio | 53.3565% | 3,997 |
| Assets per employee ($millions) | 6.4269% | 2,390 |
| Cash dividends to net income (ytd only)* | 4.9515% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,606 |
| Loan loss allowance to noncurrent loans | 201.2270% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 1,965 |
| Noncurrent loans to loans | 0.5160% | 1,831 |
| Net loans and leases to total assets | 60.8027% | 2,080 |
| Net loans and leases to deposits | 68.0682% | 2,308 |
| Net loans and leases to core deposits | 71.0427% | 2,352 |
| Total domestic deposits to total assets | 89.3262% | 1,343 |
| Equity capital to assets | 10.3043% | 2,368 |
| Core capital (leverage) ratio | 9.9898% | 2,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2815% | 1,745 |
| Memoranda: | ||
| Average total assets | $287,247,400 | 2,497 |
| Average earning assets | $268,726,800 | 2,497 |
| Average equity | $30,427,800 | 2,505 |
| Average total loans | $185,553,800 | 2,338 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 431 |
| Cost of funding earning assets | 0.8325% | 211 |
| Net interest margin | 3.9396% | 875 |
| Noninterest income to average assets | 0.6692% | 1,936 |
| Noninterest expense to average assets | 2.2496% | 2,896 |
| Loan and lease loss provision to assets | 0.1674% | 647 |
| Net operating income to assets | 1.4638% | 1,350 |
| Return on assets (ROA) | 1.4731% | 1,383 |
| Pretax return on assets | 1.9498% | 866 |
| Return on Equity (ROE) | 13.8037% | 1,447 |
| Retained earnings to average equity (ytd only) | 13.8037% | 529 |
| Net charge-offs to loans | 0.3699% | 210 |
| Credit loss provision to net charge-offs | 69.1406% | 1,763 |
| Earnings coverage of net charge-offs (x) | 8.6953% | 2,096 |
| Efficiency ratio | 51.3845% | 4,087 |
| Assets per employee ($millions) | 6.1659% | 2,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,004 |
| Loan loss allowance to noncurrent loans | 183.6420% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 2,139 |
| Noncurrent loans to loans | 0.5179% | 2,007 |
| Net loans and leases to total assets | 62.8085% | 1,909 |
| Net loans and leases to deposits | 70.6914% | 2,169 |
| Net loans and leases to core deposits | 74.0306% | 2,242 |
| Total domestic deposits to total assets | 88.8489% | 1,374 |
| Equity capital to assets | 10.6101% | 2,353 |
| Core capital (leverage) ratio | 10.0310% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3638% | 1,841 |
| Memoranda: | ||
| Average total assets | $281,936,000 | 2,549 |
| Average earning assets | $263,777,500 | 2,546 |
| Average equity | $30,087,750 | 2,558 |
| Average total loans | $184,557,250 | 2,389 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2018% | 256 |
| Cost of funding earning assets | 0.8623% | 218 |
| Net interest margin | 4.3394% | 461 |
| Noninterest income to average assets | 0.7206% | 1,745 |
| Noninterest expense to average assets | 2.2484% | 2,924 |
| Loan and lease loss provision to assets | 0.1940% | 574 |
| Net operating income to assets | 1.7429% | 808 |
| Return on assets (ROA) | 1.7514% | 845 |
| Pretax return on assets | 2.3400% | 453 |
| Return on Equity (ROE) | 16.3779% | 886 |
| Retained earnings to average equity (ytd only) | 16.3779% | 315 |
| Net charge-offs to loans | 0.0054% | 1,948 |
| Credit loss provision to net charge-offs | 5,380.0000% | 127 |
| Earnings coverage of net charge-offs (x) | 699.6000% | 197 |
| Efficiency ratio | 46.8783% | 4,472 |
| Assets per employee ($millions) | 6.0715% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 3,154 |
| Loan loss allowance to noncurrent loans | 200.6364% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 2,067 |
| Noncurrent loans to loans | 0.5768% | 1,954 |
| Net loans and leases to total assets | 66.0622% | 1,690 |
| Net loans and leases to deposits | 74.4556% | 1,961 |
| Net loans and leases to core deposits | 78.3634% | 2,019 |
| Total domestic deposits to total assets | 88.7269% | 1,430 |
| Equity capital to assets | 10.7762% | 2,166 |
| Core capital (leverage) ratio | 10.0872% | 2,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7825% | 1,697 |
| Memoranda: | ||
| Average total assets | $277,260,333 | 2,568 |
| Average earning assets | $258,835,333 | 2,565 |
| Average equity | $29,649,667 | 2,584 |
| Average total loans | $183,518,000 | 2,413 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4367% | 204 |
| Cost of funding earning assets | 0.9106% | 212 |
| Net interest margin | 4.5262% | 340 |
| Noninterest income to average assets | 0.7862% | 1,617 |
| Noninterest expense to average assets | 2.2210% | 3,043 |
| Loan and lease loss provision to assets | 0.0922% | 1,449 |
| Net operating income to assets | 2.0453% | 537 |
| Return on assets (ROA) | 2.0453% | 578 |
| Pretax return on assets | 2.6866% | 336 |
| Return on Equity (ROE) | 19.2034% | 604 |
| Retained earnings to average equity (ytd only) | 19.2034% | 307 |
| Net charge-offs to loans | -0.0044% | 3,343 |
| Credit loss provision to net charge-offs | -3,150.0000% | 3,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1874% | 4,564 |
| Assets per employee ($millions) | 6.0581% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 63.6365% | 2,091 |
| Net loans and leases to deposits | 71.4248% | 2,371 |
| Net loans and leases to core deposits | 74.9274% | 2,435 |
| Total domestic deposits to total assets | 89.0957% | 1,289 |
| Equity capital to assets | 10.4305% | 2,336 |
| Core capital (leverage) ratio | 10.0558% | 2,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5152% | 1,735 |
| Memoranda: | ||
| Average total assets | $273,210,500 | 2,580 |
| Average earning assets | $254,343,500 | 2,582 |
| Average equity | $29,099,000 | 2,611 |
| Average total loans | $179,916,000 | 2,437 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1267% | 386 |
| Cost of funding earning assets | 1.2077% | 267 |
| Net interest margin | 3.9191% | 1,164 |
| Noninterest income to average assets | 0.8885% | 1,299 |
| Noninterest expense to average assets | 2.4000% | 3,136 |
| Loan and lease loss provision to assets | 0.0726% | 3,478 |
| Net operating income to assets | 1.5592% | 694 |
| Return on assets (ROA) | 1.5654% | 749 |
| Pretax return on assets | 2.0332% | 427 |
| Return on Equity (ROE) | 14.0897% | 793 |
| Retained earnings to average equity (ytd only) | 10.4365% | 508 |
| Net charge-offs to loans | 0.0088% | 3,014 |
| Credit loss provision to net charge-offs | 1,093.7500% | 734 |
| Earnings coverage of net charge-offs (x) | 315.9375% | 336 |
| Efficiency ratio | 53.0541% | 4,305 |
| Assets per employee ($millions) | 5.8153% | 2,530 |
| Cash dividends to net income (ytd only)* | 25.9279% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.7539% | 1,987 |
| Net loans and leases to deposits | 75.3559% | 2,347 |
| Net loans and leases to core deposits | 79.7541% | 2,390 |
| Total domestic deposits to total assets | 88.5849% | 1,173 |
| Equity capital to assets | 10.8904% | 2,352 |
| Core capital (leverage) ratio | 10.2613% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0662% | 1,832 |
| Memoranda: | ||
| Average total assets | $240,955,600 | 2,653 |
| Average earning assets | $221,915,800 | 2,658 |
| Average equity | $26,771,400 | 2,692 |
| Average total loans | $181,772,800 | 2,399 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 318 |
| Cost of funding earning assets | 1.2779% | 271 |
| Net interest margin | 4.0646% | 961 |
| Noninterest income to average assets | 0.8822% | 1,276 |
| Noninterest expense to average assets | 2.4407% | 3,023 |
| Loan and lease loss provision to assets | 0.0628% | 3,555 |
| Net operating income to assets | 1.5805% | 764 |
| Return on assets (ROA) | 1.5845% | 829 |
| Pretax return on assets | 2.1252% | 392 |
| Return on Equity (ROE) | 14.1837% | 846 |
| Retained earnings to average equity (ytd only) | 9.2330% | 927 |
| Net charge-offs to loans | 0.0117% | 2,687 |
| Credit loss provision to net charge-offs | 693.7500% | 1,074 |
| Earnings coverage of net charge-offs (x) | 241.2500% | 429 |
| Efficiency ratio | 52.4829% | 4,295 |
| Assets per employee ($millions) | 5.9948% | 2,266 |
| Cash dividends to net income (ytd only)* | 34.9036% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.3127% | 1,456 |
| Net loans and leases to deposits | 82.9714% | 2,025 |
| Net loans and leases to core deposits | 88.6318% | 2,090 |
| Total domestic deposits to total assets | 88.3590% | 1,029 |
| Equity capital to assets | 10.9372% | 2,437 |
| Core capital (leverage) ratio | 10.2521% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5541% | 1,981 |
| Memoranda: | ||
| Average total assets | $235,772,500 | 2,667 |
| Average earning assets | $217,021,250 | 2,680 |
| Average equity | $26,339,500 | 2,706 |
| Average total loans | $183,058,500 | 2,390 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6362% | 259 |
| Cost of funding earning assets | 1.3796% | 242 |
| Net interest margin | 4.2565% | 817 |
| Noninterest income to average assets | 0.7855% | 1,478 |
| Noninterest expense to average assets | 2.4831% | 3,007 |
| Loan and lease loss provision to assets | 0.0642% | 3,492 |
| Net operating income to assets | 1.6073% | 750 |
| Return on assets (ROA) | 1.6135% | 812 |
| Pretax return on assets | 2.1420% | 400 |
| Return on Equity (ROE) | 14.3331% | 821 |
| Retained earnings to average equity (ytd only) | 6.7926% | 1,744 |
| Net charge-offs to loans | 0.0176% | 2,376 |
| Credit loss provision to net charge-offs | 462.5000% | 1,288 |
| Earnings coverage of net charge-offs (x) | 158.3125% | 517 |
| Efficiency ratio | 52.7253% | 4,301 |
| Assets per employee ($millions) | 5.6294% | 2,515 |
| Cash dividends to net income (ytd only)* | 52.6089% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 3,655 |
| Loan loss allowance to noncurrent loans | 61,400.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,177 |
| Noncurrent loans to loans | 0.0016% | 4,526 |
| Net loans and leases to total assets | 76.6735% | 1,048 |
| Net loans and leases to deposits | 86.7516% | 1,690 |
| Net loans and leases to core deposits | 91.6023% | 1,940 |
| Total domestic deposits to total assets | 88.3828% | 999 |
| Equity capital to assets | 10.9876% | 2,352 |
| Core capital (leverage) ratio | 10.2186% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1937% | 2,104 |
| Memoranda: | ||
| Average total assets | $230,435,667 | 2,680 |
| Average earning assets | $210,924,000 | 2,708 |
| Average equity | $25,940,000 | 2,722 |
| Average total loans | $181,922,333 | 2,387 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5256% | 361 |
| Cost of funding earning assets | 1.5132% | 253 |
| Net interest margin | 4.0123% | 1,358 |
| Noninterest income to average assets | 0.5894% | 2,084 |
| Noninterest expense to average assets | 2.5536% | 3,122 |
| Loan and lease loss provision to assets | 0.1140% | 2,257 |
| Net operating income to assets | 1.1397% | 1,720 |
| Return on assets (ROA) | 1.1397% | 1,828 |
| Pretax return on assets | 1.5671% | 1,137 |
| Return on Equity (ROE) | 9.9955% | 1,749 |
| Retained earnings to average equity (ytd only) | 5.6537% | 2,014 |
| Net charge-offs to loans | 0.0558% | 1,449 |
| Credit loss provision to net charge-offs | 256.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 37.7600% | 1,055 |
| Efficiency ratio | 59.9664% | 3,743 |
| Assets per employee ($millions) | 5.1128% | 2,526 |
| Cash dividends to net income (ytd only)* | 43.4375% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 3,590 |
| Loan loss allowance to noncurrent loans | 1,085.1190% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 3,848 |
| Noncurrent loans to loans | 0.0941% | 4,131 |
| Net loans and leases to total assets | 76.7987% | 1,166 |
| Net loans and leases to deposits | 87.0540% | 1,864 |
| Net loans and leases to core deposits | 91.6897% | 2,197 |
| Total domestic deposits to total assets | 88.2196% | 1,006 |
| Equity capital to assets | 11.1888% | 2,690 |
| Core capital (leverage) ratio | 10.6324% | 2,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0736% | 2,257 |
| Memoranda: | ||
| Average total assets | $224,621,500 | 2,673 |
| Average earning assets | $204,070,000 | 2,712 |
| Average equity | $25,611,500 | 2,738 |
| Average total loans | $179,163,000 | 2,368 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6604% | 432 |
| Cost of funding earning assets | 1.4096% | 544 |
| Net interest margin | 4.2508% | 1,204 |
| Noninterest income to average assets | 0.6541% | 1,995 |
| Noninterest expense to average assets | 2.3544% | 3,815 |
| Loan and lease loss provision to assets | 0.2980% | 566 |
| Net operating income to assets | 1.4143% | 1,297 |
| Return on assets (ROA) | 1.4143% | 1,370 |
| Pretax return on assets | 1.8674% | 800 |
| Return on Equity (ROE) | 12.3101% | 1,392 |
| Retained earnings to average equity (ytd only) | 9.8655% | 516 |
| Net charge-offs to loans | 0.2487% | 829 |
| Credit loss provision to net charge-offs | 144.5727% | 1,779 |
| Earnings coverage of net charge-offs (x) | 10.5058% | 2,566 |
| Efficiency ratio | 51.7430% | 4,622 |
| Assets per employee ($millions) | 4.7645% | 2,877 |
| Cash dividends to net income (ytd only)* | 19.8586% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 3,564 |
| Loan loss allowance to noncurrent loans | 1,189.3333% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 3,381 |
| Noncurrent loans to loans | 0.0834% | 4,187 |
| Net loans and leases to total assets | 81.2274% | 648 |
| Net loans and leases to deposits | 93.7160% | 1,186 |
| Net loans and leases to core deposits | 98.5076% | 1,695 |
| Total domestic deposits to total assets | 86.6740% | 1,768 |
| Equity capital to assets | 11.6259% | 2,401 |
| Core capital (leverage) ratio | 11.0249% | 2,482 |
| Tier 1 risk-based capital ratio | 12.8889% | 3,847 |
| Total risk-based capital ratio | 13.8659% | 3,882 |
| Memoranda: | ||
| Average total assets | $210,074,000 | 2,760 |
| Average earning assets | $191,045,800 | 2,789 |
| Average equity | $24,134,600 | 2,784 |
| Average total loans | $174,117,400 | 2,379 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6299% | 467 |
| Cost of funding earning assets | 1.4113% | 558 |
| Net interest margin | 4.2185% | 1,333 |
| Noninterest income to average assets | 0.6314% | 2,067 |
| Noninterest expense to average assets | 2.4016% | 3,679 |
| Loan and lease loss provision to assets | 0.2509% | 648 |
| Net operating income to assets | 1.3326% | 1,712 |
| Return on assets (ROA) | 1.3326% | 1,783 |
| Pretax return on assets | 1.8203% | 1,035 |
| Return on Equity (ROE) | 11.6364% | 1,743 |
| Retained earnings to average equity (ytd only) | 9.9725% | 754 |
| Net charge-offs to loans | 0.2710% | 649 |
| Credit loss provision to net charge-offs | 111.3960% | 2,072 |
| Earnings coverage of net charge-offs (x) | 9.1965% | 2,587 |
| Efficiency ratio | 53.3352% | 4,462 |
| Assets per employee ($millions) | 4.6509% | 2,968 |
| Cash dividends to net income (ytd only)* | 14.2995% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9009% | 4,040 |
| Loan loss allowance to noncurrent loans | 190.0932% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 2,053 |
| Noncurrent loans to loans | 0.4739% | 2,874 |
| Net loans and leases to total assets | 83.8590% | 369 |
| Net loans and leases to deposits | 98.8577% | 730 |
| Net loans and leases to core deposits | 103.4660% | 1,372 |
| Total domestic deposits to total assets | 84.8280% | 2,484 |
| Equity capital to assets | 11.6776% | 2,529 |
| Core capital (leverage) ratio | 11.0654% | 2,587 |
| Tier 1 risk-based capital ratio | 12.5169% | 4,133 |
| Total risk-based capital ratio | 13.4074% | 4,223 |
| Memoranda: | ||
| Average total assets | $207,801,250 | 2,798 |
| Average earning assets | $189,224,250 | 2,823 |
| Average equity | $23,798,250 | 2,826 |
| Average total loans | $172,695,250 | 2,420 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5819% | 485 |
| Cost of funding earning assets | 1.4198% | 492 |
| Net interest margin | 4.1620% | 1,451 |
| Noninterest income to average assets | 0.5988% | 2,159 |
| Noninterest expense to average assets | 2.5671% | 3,282 |
| Loan and lease loss provision to assets | 0.1234% | 1,510 |
| Net operating income to assets | 1.2491% | 1,964 |
| Return on assets (ROA) | 1.2491% | 2,021 |
| Pretax return on assets | 1.6836% | 1,308 |
| Return on Equity (ROE) | 10.9813% | 1,981 |
| Retained earnings to average equity (ytd only) | 8.4432% | 1,227 |
| Net charge-offs to loans | 0.1801% | 911 |
| Credit loss provision to net charge-offs | 83.0065% | 2,199 |
| Earnings coverage of net charge-offs (x) | 12.1503% | 2,169 |
| Efficiency ratio | 58.3333% | 3,968 |
| Assets per employee ($millions) | 4.5824% | 3,024 |
| Cash dividends to net income (ytd only)* | 23.1128% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 4,096 |
| Loan loss allowance to noncurrent loans | 437.1508% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 3,127 |
| Noncurrent loans to loans | 0.2056% | 3,809 |
| Net loans and leases to total assets | 83.6814% | 387 |
| Net loans and leases to deposits | 96.0362% | 1,029 |
| Net loans and leases to core deposits | 100.5659% | 1,672 |
| Total domestic deposits to total assets | 87.1352% | 1,527 |
| Equity capital to assets | 11.7072% | 2,437 |
| Core capital (leverage) ratio | 10.8040% | 2,785 |
| Tier 1 risk-based capital ratio | 12.6159% | 4,068 |
| Total risk-based capital ratio | 13.5082% | 4,128 |
| Memoranda: | ||
| Average total assets | $205,755,000 | 2,823 |
| Average earning assets | $186,639,670 | 2,864 |
| Average equity | $23,403,330 | 2,849 |
| Average total loans | $169,914,000 | 2,454 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4837% | 537 |
| Cost of funding earning assets | 1.4092% | 440 |
| Net interest margin | 4.0744% | 1,625 |
| Noninterest income to average assets | 0.5080% | 2,510 |
| Noninterest expense to average assets | 2.6021% | 3,212 |
| Loan and lease loss provision to assets | 0.1226% | 1,430 |
| Net operating income to assets | 1.0529% | 2,649 |
| Return on assets (ROA) | 1.0529% | 2,691 |
| Pretax return on assets | 1.4577% | 1,892 |
| Return on Equity (ROE) | 9.3946% | 2,630 |
| Retained earnings to average equity (ytd only) | 4.2371% | 3,223 |
| Net charge-offs to loans | 0.0048% | 2,537 |
| Credit loss provision to net charge-offs | 3,150.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 406.0000% | 192 |
| Efficiency ratio | 61.8427% | 3,557 |
| Assets per employee ($millions) | 4.7834% | 2,810 |
| Cash dividends to net income (ytd only)* | 54.8983% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 3,817 |
| Loan loss allowance to noncurrent loans | 448.9130% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 3,139 |
| Noncurrent loans to loans | 0.2188% | 3,807 |
| Net loans and leases to total assets | 80.9597% | 716 |
| Net loans and leases to deposits | 91.8712% | 1,417 |
| Net loans and leases to core deposits | 95.6127% | 1,965 |
| Total domestic deposits to total assets | 88.1231% | 1,271 |
| Equity capital to assets | 11.3037% | 2,558 |
| Core capital (leverage) ratio | 10.5294% | 3,019 |
| Tier 1 risk-based capital ratio | 12.5513% | 4,135 |
| Total risk-based capital ratio | 13.5214% | 4,175 |
| Memoranda: | ||
| Average total assets | $205,529,500 | 2,847 |
| Average earning assets | $185,350,500 | 2,898 |
| Average equity | $23,034,500 | 2,881 |
| Average total loans | $167,810,500 | 2,494 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3709% | 507 |
| Cost of funding earning assets | 1.0508% | 608 |
| Net interest margin | 4.3201% | 1,108 |
| Noninterest income to average assets | 0.6384% | 2,108 |
| Noninterest expense to average assets | 2.6820% | 3,087 |
| Loan and lease loss provision to assets | 0.0882% | 2,381 |
| Net operating income to assets | 1.3351% | 1,669 |
| Return on assets (ROA) | 1.3351% | 1,656 |
| Pretax return on assets | 1.7713% | 991 |
| Return on Equity (ROE) | 11.9421% | 1,733 |
| Retained earnings to average equity (ytd only) | 9.7834% | 656 |
| Net charge-offs to loans | 0.0168% | 3,127 |
| Credit loss provision to net charge-offs | 633.3333% | 548 |
| Earnings coverage of net charge-offs (x) | 133.5556% | 607 |
| Efficiency ratio | 57.9880% | 4,161 |
| Assets per employee ($millions) | 4.6676% | 2,929 |
| Cash dividends to net income (ytd only)* | 18.0765% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 3,961 |
| Loan loss allowance to noncurrent loans | 207.1615% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 2,359 |
| Noncurrent loans to loans | 0.4587% | 2,895 |
| Net loans and leases to total assets | 80.7580% | 831 |
| Net loans and leases to deposits | 94.6229% | 1,213 |
| Net loans and leases to core deposits | 98.4683% | 1,832 |
| Total domestic deposits to total assets | 85.3472% | 2,483 |
| Equity capital to assets | 11.1109% | 2,585 |
| Core capital (leverage) ratio | 10.7961% | 2,739 |
| Tier 1 risk-based capital ratio | 12.3570% | 4,209 |
| Total risk-based capital ratio | 13.2878% | 4,293 |
| Memoranda: | ||
| Average total assets | $193,924,200 | 2,924 |
| Average earning assets | $175,204,600 | 2,976 |
| Average equity | $21,679,600 | 2,921 |
| Average total loans | $160,581,800 | 2,519 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3356% | 495 |
| Cost of funding earning assets | 0.9623% | 711 |
| Net interest margin | 4.3732% | 955 |
| Noninterest income to average assets | 0.6253% | 2,188 |
| Noninterest expense to average assets | 2.7348% | 2,863 |
| Loan and lease loss provision to assets | 0.0747% | 2,463 |
| Net operating income to assets | 1.3301% | 1,742 |
| Return on assets (ROA) | 1.3301% | 1,751 |
| Pretax return on assets | 1.7830% | 1,052 |
| Return on Equity (ROE) | 11.8780% | 1,833 |
| Retained earnings to average equity (ytd only) | 8.9615% | 1,235 |
| Net charge-offs to loans | 0.0201% | 2,737 |
| Credit loss provision to net charge-offs | 445.8333% | 767 |
| Earnings coverage of net charge-offs (x) | 110.9138% | 699 |
| Efficiency ratio | 58.4562% | 4,050 |
| Assets per employee ($millions) | 4.3701% | 3,329 |
| Cash dividends to net income (ytd only)* | 24.5539% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 4,061 |
| Loan loss allowance to noncurrent loans | 144.4759% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5508% | 2,541 |
| Noncurrent loans to loans | 0.6548% | 2,445 |
| Net loans and leases to total assets | 83.3085% | 532 |
| Net loans and leases to deposits | 97.5941% | 987 |
| Net loans and leases to core deposits | 100.6073% | 1,733 |
| Total domestic deposits to total assets | 85.3622% | 2,463 |
| Equity capital to assets | 11.4295% | 2,314 |
| Core capital (leverage) ratio | 10.7431% | 2,845 |
| Tier 1 risk-based capital ratio | 12.4817% | 4,208 |
| Total risk-based capital ratio | 13.4164% | 4,298 |
| Memoranda: | ||
| Average total assets | $191,061,750 | 2,977 |
| Average earning assets | $173,322,250 | 3,015 |
| Average equity | $21,394,750 | 2,960 |
| Average total loans | $158,865,500 | 2,549 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2976% | 476 |
| Cost of funding earning assets | 0.9185% | 682 |
| Net interest margin | 4.3791% | 889 |
| Noninterest income to average assets | 0.6420% | 2,131 |
| Noninterest expense to average assets | 2.7684% | 2,770 |
| Loan and lease loss provision to assets | 0.0640% | 2,623 |
| Net operating income to assets | 1.3260% | 1,682 |
| Return on assets (ROA) | 1.3260% | 1,682 |
| Pretax return on assets | 1.7707% | 1,033 |
| Return on Equity (ROE) | 11.9242% | 1,751 |
| Retained earnings to average equity (ytd only) | 10.7638% | 717 |
| Net charge-offs to loans | 0.0089% | 2,817 |
| Credit loss provision to net charge-offs | 871.4286% | 465 |
| Earnings coverage of net charge-offs (x) | 249.8571% | 358 |
| Efficiency ratio | 59.0018% | 4,083 |
| Assets per employee ($millions) | 4.2520% | 3,492 |
| Cash dividends to net income (ytd only)* | 9.7310% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 4,152 |
| Loan loss allowance to noncurrent loans | 190.4822% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 3,083 |
| Noncurrent loans to loans | 0.4945% | 2,951 |
| Net loans and leases to total assets | 82.4943% | 653 |
| Net loans and leases to deposits | 96.0875% | 1,125 |
| Net loans and leases to core deposits | 99.1208% | 1,808 |
| Total domestic deposits to total assets | 85.8533% | 2,341 |
| Equity capital to assets | 11.3626% | 2,298 |
| Core capital (leverage) ratio | 10.5942% | 2,928 |
| Tier 1 risk-based capital ratio | 12.4775% | 4,198 |
| Total risk-based capital ratio | 13.4081% | 4,277 |
| Memoranda: | ||
| Average total assets | $190,654,670 | 2,997 |
| Average earning assets | $172,456,670 | 3,036 |
| Average equity | $21,200,670 | 2,999 |
| Average total loans | $157,914,670 | 2,570 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 512 |
| Cost of funding earning assets | 0.8598% | 727 |
| Net interest margin | 4.3174% | 925 |
| Noninterest income to average assets | 0.6305% | 2,126 |
| Noninterest expense to average assets | 2.7344% | 2,931 |
| Loan and lease loss provision to assets | 0.0336% | 3,054 |
| Net operating income to assets | 1.2884% | 1,680 |
| Return on assets (ROA) | 1.2884% | 1,684 |
| Pretax return on assets | 1.7571% | 989 |
| Return on Equity (ROE) | 11.7150% | 1,678 |
| Retained earnings to average equity (ytd only) | 9.3643% | 1,340 |
| Net charge-offs to loans | 0.0102% | 2,382 |
| Credit loss provision to net charge-offs | 400.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 319 |
| Efficiency ratio | 59.1268% | 4,194 |
| Assets per employee ($millions) | 4.2480% | 3,567 |
| Cash dividends to net income (ytd only)* | 20.0653% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 4,355 |
| Loan loss allowance to noncurrent loans | 191.2189% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 3,163 |
| Noncurrent loans to loans | 0.4810% | 3,073 |
| Net loans and leases to total assets | 82.2234% | 638 |
| Net loans and leases to deposits | 95.3866% | 1,086 |
| Net loans and leases to core deposits | 99.0897% | 1,756 |
| Total domestic deposits to total assets | 86.2001% | 2,450 |
| Equity capital to assets | 11.0394% | 2,541 |
| Core capital (leverage) ratio | 10.2422% | 3,251 |
| Tier 1 risk-based capital ratio | 12.1189% | 4,485 |
| Total risk-based capital ratio | 13.0272% | 4,576 |
| Memoranda: | ||
| Average total assets | $190,313,000 | 3,031 |
| Average earning assets | $171,675,500 | 3,076 |
| Average equity | $20,930,500 | 3,054 |
| Average total loans | $157,200,000 | 2,601 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9545% | 703 |
| Cost of funding earning assets | 0.7488% | 826 |
| Net interest margin | 4.2057% | 1,180 |
| Noninterest income to average assets | 0.7267% | 1,858 |
| Noninterest expense to average assets | 2.7705% | 2,889 |
| Loan and lease loss provision to assets | 0.0388% | 3,493 |
| Net operating income to assets | 1.2278% | 1,435 |
| Return on assets (ROA) | 1.2274% | 1,454 |
| Pretax return on assets | 1.7076% | 983 |
| Return on Equity (ROE) | 11.5143% | 1,338 |
| Retained earnings to average equity (ytd only) | 9.8694% | 371 |
| Net charge-offs to loans | 0.0204% | 3,427 |
| Credit loss provision to net charge-offs | 240.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 107.9333% | 613 |
| Efficiency ratio | 59.5485% | 4,326 |
| Assets per employee ($millions) | 4.2103% | 3,638 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,322 |
| Loan loss allowance to noncurrent loans | 219.2424% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 3,306 |
| Noncurrent loans to loans | 0.4237% | 3,265 |
| Net loans and leases to total assets | 81.4478% | 752 |
| Net loans and leases to deposits | 97.6677% | 925 |
| Net loans and leases to core deposits | 101.7748% | 1,567 |
| Total domestic deposits to total assets | 83.3927% | 3,426 |
| Equity capital to assets | 10.9561% | 2,671 |
| Core capital (leverage) ratio | 10.2765% | 3,097 |
| Tier 1 risk-based capital ratio | 11.9727% | 4,549 |
| Total risk-based capital ratio | 12.8848% | 4,651 |
| Memoranda: | ||
| Average total assets | $185,345,800 | 3,063 |
| Average earning assets | $167,060,000 | 3,115 |
| Average equity | $19,758,000 | 3,170 |
| Average total loans | $147,242,000 | 2,685 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 795 |
| Cost of funding earning assets | 0.7408% | 795 |
| Net interest margin | 4.1363% | 1,302 |
| Noninterest income to average assets | 0.7219% | 1,896 |
| Noninterest expense to average assets | 2.7814% | 2,792 |
| Loan and lease loss provision to assets | 0.0521% | 3,056 |
| Net operating income to assets | 1.0257% | 2,441 |
| Return on assets (ROA) | 1.0257% | 2,486 |
| Pretax return on assets | 1.6168% | 1,362 |
| Return on Equity (ROE) | 9.6915% | 2,264 |
| Retained earnings to average equity (ytd only) | 7.4703% | 1,446 |
| Net charge-offs to loans | 0.0202% | 3,090 |
| Credit loss provision to net charge-offs | 327.2727% | 920 |
| Earnings coverage of net charge-offs (x) | 104.8728% | 670 |
| Efficiency ratio | 60.6957% | 4,088 |
| Assets per employee ($millions) | 4.1554% | 3,731 |
| Cash dividends to net income (ytd only)* | 22.9195% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 4,325 |
| Loan loss allowance to noncurrent loans | 354.0146% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 4,023 |
| Noncurrent loans to loans | 0.2682% | 4,001 |
| Net loans and leases to total assets | 81.1768% | 807 |
| Net loans and leases to deposits | 95.4601% | 1,158 |
| Net loans and leases to core deposits | 99.3865% | 1,759 |
| Total domestic deposits to total assets | 85.0374% | 2,697 |
| Equity capital to assets | 10.7239% | 3,141 |
| Core capital (leverage) ratio | 9.8921% | 3,708 |
| Tier 1 risk-based capital ratio | 11.6264% | 4,866 |
| Total risk-based capital ratio | 12.5601% | 4,961 |
| Memoranda: | ||
| Average total assets | $184,316,000 | 3,100 |
| Average earning assets | $166,132,750 | 3,148 |
| Average equity | $19,508,000 | 3,219 |
| Average total loans | $145,112,000 | 2,724 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7843% | 888 |
| Cost of funding earning assets | 0.7617% | 649 |
| Net interest margin | 4.0226% | 1,543 |
| Noninterest income to average assets | 0.6989% | 1,997 |
| Noninterest expense to average assets | 2.7445% | 2,945 |
| Loan and lease loss provision to assets | 0.0785% | 2,413 |
| Net operating income to assets | 1.0021% | 2,416 |
| Return on assets (ROA) | 1.0021% | 2,457 |
| Pretax return on assets | 1.4982% | 1,644 |
| Return on Equity (ROE) | 9.5103% | 2,267 |
| Retained earnings to average equity (ytd only) | 9.5103% | 704 |
| Net charge-offs to loans | 0.0267% | 2,682 |
| Credit loss provision to net charge-offs | 378.9474% | 818 |
| Earnings coverage of net charge-offs (x) | 76.1053% | 796 |
| Efficiency ratio | 61.7462% | 4,039 |
| Assets per employee ($millions) | 3.9929% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 4,334 |
| Loan loss allowance to noncurrent loans | 352.1739% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 4,058 |
| Noncurrent loans to loans | 0.2750% | 4,058 |
| Net loans and leases to total assets | 81.1721% | 794 |
| Net loans and leases to deposits | 94.2386% | 1,239 |
| Net loans and leases to core deposits | 98.1185% | 1,796 |
| Total domestic deposits to total assets | 86.1347% | 2,322 |
| Equity capital to assets | 10.8339% | 2,997 |
| Core capital (leverage) ratio | 9.7648% | 3,818 |
| Tier 1 risk-based capital ratio | 11.7194% | 4,829 |
| Total risk-based capital ratio | 12.6728% | 4,906 |
| Memoranda: | ||
| Average total assets | $183,423,670 | 3,116 |
| Average earning assets | $165,166,000 | 3,174 |
| Average equity | $19,326,330 | 3,240 |
| Average total loans | $142,399,330 | 2,769 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 1,040 |
| Cost of funding earning assets | 0.7550% | 633 |
| Net interest margin | 3.8895% | 1,819 |
| Noninterest income to average assets | 0.5783% | 2,518 |
| Noninterest expense to average assets | 2.6798% | 3,213 |
| Loan and lease loss provision to assets | 0.1178% | 1,619 |
| Net operating income to assets | 0.8729% | 2,894 |
| Return on assets (ROA) | 0.8729% | 2,946 |
| Pretax return on assets | 1.2657% | 2,368 |
| Return on Equity (ROE) | 8.4034% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.4034% | 1,308 |
| Net charge-offs to loans | 0.0202% | 2,375 |
| Credit loss provision to net charge-offs | 771.4286% | 407 |
| Earnings coverage of net charge-offs (x) | 90.5714% | 587 |
| Efficiency ratio | 64.0172% | 3,831 |
| Assets per employee ($millions) | 4.0779% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 4,039 |
| Loan loss allowance to noncurrent loans | 249.0566% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 3,947 |
| Noncurrent loans to loans | 0.4172% | 3,595 |
| Net loans and leases to total assets | 73.7231% | 1,790 |
| Net loans and leases to deposits | 86.2869% | 2,008 |
| Net loans and leases to core deposits | 89.2086% | 2,432 |
| Total domestic deposits to total assets | 85.4395% | 2,906 |
| Equity capital to assets | 10.2749% | 3,437 |
| Core capital (leverage) ratio | 9.4338% | 4,193 |
| Tier 1 risk-based capital ratio | 11.9600% | 4,743 |
| Total risk-based capital ratio | 12.9591% | 4,805 |
| Memoranda: | ||
| Average total assets | $183,298,500 | 3,148 |
| Average earning assets | $164,239,000 | 3,212 |
| Average equity | $19,040,000 | 3,283 |
| Average total loans | $138,324,000 | 2,842 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 787 |
| Cost of funding earning assets | 0.7487% | 641 |
| Net interest margin | 4.1149% | 1,347 |
| Noninterest income to average assets | 0.7230% | 2,065 |
| Noninterest expense to average assets | 4.8602% | 282 |
| Loan and lease loss provision to assets | 0.3207% | 571 |
| Net operating income to assets | -0.4927% | 5,788 |
| Return on assets (ROA) | -0.4304% | 5,782 |
| Pretax return on assets | -0.7084% | 5,806 |
| Return on Equity (ROE) | -4.2712% | 5,779 |
| Retained earnings to average equity (ytd only) | -4.2712% | 5,646 |
| Net charge-offs to loans | 0.1935% | 1,435 |
| Credit loss provision to net charge-offs | 211.1111% | 1,348 |
| Earnings coverage of net charge-offs (x) | -3.1926% | 4,208 |
| Efficiency ratio | 109.4522% | 132 |
| Assets per employee ($millions) | 3.9781% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 4,158 |
| Loan loss allowance to noncurrent loans | 505.3957% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.7670% | 2,435 |
| Noncurrent loans to loans | 0.2031% | 4,430 |
| Net loans and leases to total assets | 75.6918% | 1,562 |
| Net loans and leases to deposits | 88.9907% | 1,805 |
| Net loans and leases to core deposits | 91.8208% | 2,319 |
| Total domestic deposits to total assets | 85.0559% | 3,019 |
| Equity capital to assets | 10.5053% | 3,149 |
| Core capital (leverage) ratio | 9.6468% | 3,915 |
| Tier 1 risk-based capital ratio | 12.0285% | 4,711 |
| Total risk-based capital ratio | 13.0217% | 4,781 |
| Memoranda: | ||
| Average total assets | $177,731,000 | 3,189 |
| Average earning assets | $157,742,000 | 3,272 |
| Average equity | $17,910,600 | 3,419 |
| Average total loans | $139,528,600 | 2,787 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 786 |
| Cost of funding earning assets | 0.7585% | 612 |
| Net interest margin | 4.1039% | 1,375 |
| Noninterest income to average assets | 0.7388% | 2,010 |
| Noninterest expense to average assets | 5.6027% | 197 |
| Loan and lease loss provision to assets | 0.3863% | 391 |
| Net operating income to assets | -1.0234% | 5,908 |
| Return on assets (ROA) | -0.9402% | 5,904 |
| Pretax return on assets | -1.4768% | 5,924 |
| Return on Equity (ROE) | -9.4306% | 5,906 |
| Retained earnings to average equity (ytd only) | -9.4306% | 5,843 |
| Net charge-offs to loans | 0.0304% | 3,044 |
| Credit loss provision to net charge-offs | 1,606.2500% | 292 |
| Earnings coverage of net charge-offs (x) | -50.7448% | 3,940 |
| Efficiency ratio | 126.2905% | 66 |
| Assets per employee ($millions) | 3.9936% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 3,578 |
| Loan loss allowance to noncurrent loans | 547.2414% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 2,138 |
| Noncurrent loans to loans | 0.2090% | 4,518 |
| Net loans and leases to total assets | 78.0479% | 1,185 |
| Net loans and leases to deposits | 92.3473% | 1,453 |
| Net loans and leases to core deposits | 96.0702% | 1,980 |
| Total domestic deposits to total assets | 84.5156% | 3,022 |
| Equity capital to assets | 10.5760% | 3,483 |
| Core capital (leverage) ratio | 9.4267% | 4,292 |
| Tier 1 risk-based capital ratio | 11.3380% | 5,182 |
| Total risk-based capital ratio | 12.4276% | 5,177 |
| Memoranda: | ||
| Average total assets | $177,410,250 | 3,206 |
| Average earning assets | $157,506,000 | 3,286 |
| Average equity | $17,686,750 | 3,482 |
| Average total loans | $140,184,750 | 2,779 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 863 |
| Cost of funding earning assets | 0.7561% | 609 |
| Net interest margin | 4.0572% | 1,488 |
| Noninterest income to average assets | 0.7833% | 1,794 |
| Noninterest expense to average assets | 6.9651% | 138 |
| Loan and lease loss provision to assets | 0.1225% | 1,860 |
| Net operating income to assets | -1.6067% | 5,999 |
| Return on assets (ROA) | -1.4822% | 5,999 |
| Pretax return on assets | -2.4981% | 6,022 |
| Return on Equity (ROE) | -15.1717% | 5,998 |
| Retained earnings to average equity (ytd only) | -15.1717% | 5,935 |
| Net charge-offs to loans | 0.0313% | 2,844 |
| Credit loss provision to net charge-offs | 495.4545% | 664 |
| Earnings coverage of net charge-offs (x) | -103.9545% | 3,682 |
| Efficiency ratio | 157.0442% | 39 |
| Assets per employee ($millions) | 3.8605% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 5,152 |
| Loan loss allowance to noncurrent loans | 193.1929% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 2,508 |
| Noncurrent loans to loans | 0.4366% | 3,805 |
| Net loans and leases to total assets | 78.9038% | 1,077 |
| Net loans and leases to deposits | 92.0836% | 1,502 |
| Net loans and leases to core deposits | 96.3666% | 1,948 |
| Total domestic deposits to total assets | 85.6872% | 2,564 |
| Equity capital to assets | 9.6485% | 4,618 |
| Core capital (leverage) ratio | 8.3661% | 5,477 |
| Tier 1 risk-based capital ratio | 10.2037% | 5,790 |
| Total risk-based capital ratio | 11.0068% | 5,873 |
| Memoranda: | ||
| Average total assets | $177,974,000 | 3,211 |
| Average earning assets | $158,434,330 | 3,290 |
| Average equity | $17,387,670 | 3,525 |
| Average total loans | $140,669,000 | 2,779 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 1,057 |
| Cost of funding earning assets | 0.7437% | 655 |
| Net interest margin | 3.9523% | 1,777 |
| Noninterest income to average assets | 0.6003% | 2,529 |
| Noninterest expense to average assets | 2.8196% | 2,998 |
| Loan and lease loss provision to assets | 0.1237% | 1,710 |
| Net operating income to assets | 0.8297% | 3,096 |
| Return on assets (ROA) | 0.8297% | 3,226 |
| Pretax return on assets | 1.1939% | 2,730 |
| Return on Equity (ROE) | 7.8996% | 2,974 |
| Retained earnings to average equity (ytd only) | 7.8996% | 1,503 |
| Net charge-offs to loans | 0.0682% | 1,802 |
| Credit loss provision to net charge-offs | 229.1667% | 998 |
| Earnings coverage of net charge-offs (x) | 24.4167% | 1,331 |
| Efficiency ratio | 66.6848% | 3,689 |
| Assets per employee ($millions) | 3.8120% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7930% | 5,380 |
| Loan loss allowance to noncurrent loans | 66.5105% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9799% | 2,258 |
| Noncurrent loans to loans | 1.1922% | 2,032 |
| Net loans and leases to total assets | 77.6741% | 1,142 |
| Net loans and leases to deposits | 94.2174% | 1,127 |
| Net loans and leases to core deposits | 98.7260% | 1,585 |
| Total domestic deposits to total assets | 82.4414% | 4,083 |
| Equity capital to assets | 10.3341% | 3,701 |
| Core capital (leverage) ratio | 9.4945% | 4,204 |
| Tier 1 risk-based capital ratio | 11.3373% | 5,321 |
| Total risk-based capital ratio | 12.1029% | 5,489 |
| Memoranda: | ||
| Average total assets | $177,899,000 | 3,223 |
| Average earning assets | $159,199,000 | 3,298 |
| Average equity | $18,684,500 | 3,348 |
| Average total loans | $140,735,000 | 2,771 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 778 |
| Cost of funding earning assets | 0.6381% | 1,137 |
| Net interest margin | 4.2567% | 1,051 |
| Noninterest income to average assets | 0.6363% | 2,529 |
| Noninterest expense to average assets | 2.9048% | 2,844 |
| Loan and lease loss provision to assets | 0.1347% | 1,776 |
| Net operating income to assets | 0.8918% | 2,919 |
| Return on assets (ROA) | 0.9001% | 2,946 |
| Pretax return on assets | 1.4011% | 1,897 |
| Return on Equity (ROE) | 8.2134% | 2,832 |
| Retained earnings to average equity (ytd only) | 8.2134% | 848 |
| Net charge-offs to loans | 0.0762% | 2,737 |
| Credit loss provision to net charge-offs | 224.7423% | 1,264 |
| Earnings coverage of net charge-offs (x) | 25.4124% | 1,629 |
| Efficiency ratio | 64.1691% | 4,224 |
| Assets per employee ($millions) | 3.5270% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 5,409 |
| Loan loss allowance to noncurrent loans | 105.5396% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 2,913 |
| Noncurrent loans to loans | 0.7575% | 2,908 |
| Net loans and leases to total assets | 79.3325% | 943 |
| Net loans and leases to deposits | 97.0332% | 904 |
| Net loans and leases to core deposits | 100.6593% | 1,462 |
| Total domestic deposits to total assets | 81.7581% | 4,236 |
| Equity capital to assets | 10.6815% | 3,153 |
| Core capital (leverage) ratio | 9.8965% | 3,649 |
| Tier 1 risk-based capital ratio | 11.7231% | 5,117 |
| Total risk-based capital ratio | 12.5109% | 5,293 |
| Memoranda: | ||
| Average total assets | $161,867,600 | 3,405 |
| Average earning assets | $144,172,000 | 3,487 |
| Average equity | $17,739,400 | 3,417 |
| Average total loans | $127,305,200 | 2,927 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8608% | 834 |
| Cost of funding earning assets | 0.6184% | 1,295 |
| Net interest margin | 4.2424% | 1,070 |
| Noninterest income to average assets | 0.6343% | 2,562 |
| Noninterest expense to average assets | 2.9116% | 2,810 |
| Loan and lease loss provision to assets | 0.1374% | 1,625 |
| Net operating income to assets | 0.9072% | 2,931 |
| Return on assets (ROA) | 0.9116% | 2,997 |
| Pretax return on assets | 1.3800% | 2,098 |
| Return on Equity (ROE) | 8.2613% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.2613% | 1,137 |
| Net charge-offs to loans | 0.0621% | 2,705 |
| Credit loss provision to net charge-offs | 282.7586% | 1,021 |
| Earnings coverage of net charge-offs (x) | 31.0868% | 1,462 |
| Efficiency ratio | 64.3426% | 4,184 |
| Assets per employee ($millions) | 3.3663% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 5,487 |
| Loan loss allowance to noncurrent loans | 509.3458% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 5,231 |
| Noncurrent loans to loans | 0.1593% | 5,008 |
| Net loans and leases to total assets | 80.8044% | 718 |
| Net loans and leases to deposits | 101.5095% | 575 |
| Net loans and leases to core deposits | 105.8229% | 1,111 |
| Total domestic deposits to total assets | 79.6028% | 4,830 |
| Equity capital to assets | 10.9992% | 3,031 |
| Core capital (leverage) ratio | 9.9287% | 3,729 |
| Tier 1 risk-based capital ratio | 11.8081% | 5,196 |
| Total risk-based capital ratio | 12.6093% | 5,363 |
| Memoranda: | ||
| Average total assets | $159,129,000 | 3,471 |
| Average earning assets | $142,084,250 | 3,541 |
| Average equity | $17,559,250 | 3,472 |
| Average total loans | $124,579,250 | 3,004 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 902 |
| Cost of funding earning assets | 0.5922% | 1,466 |
| Net interest margin | 4.1997% | 1,110 |
| Noninterest income to average assets | 0.6260% | 2,598 |
| Noninterest expense to average assets | 2.9340% | 2,772 |
| Loan and lease loss provision to assets | 0.1387% | 1,575 |
| Net operating income to assets | 0.8900% | 2,936 |
| Return on assets (ROA) | 0.8970% | 3,018 |
| Pretax return on assets | 1.3080% | 2,331 |
| Return on Equity (ROE) | 8.1199% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.1199% | 1,215 |
| Net charge-offs to loans | 0.0445% | 2,808 |
| Credit loss provision to net charge-offs | 403.7037% | 741 |
| Earnings coverage of net charge-offs (x) | 41.8148% | 1,099 |
| Efficiency ratio | 65.6186% | 4,082 |
| Assets per employee ($millions) | 3.5836% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 5,552 |
| Loan loss allowance to noncurrent loans | 408.4291% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 5,136 |
| Noncurrent loans to loans | 0.2004% | 4,971 |
| Net loans and leases to total assets | 78.3798% | 1,016 |
| Net loans and leases to deposits | 97.2644% | 857 |
| Net loans and leases to core deposits | 100.4587% | 1,455 |
| Total domestic deposits to total assets | 80.5843% | 4,721 |
| Equity capital to assets | 10.7379% | 3,181 |
| Core capital (leverage) ratio | 9.9901% | 3,619 |
| Tier 1 risk-based capital ratio | 11.9176% | 5,205 |
| Total risk-based capital ratio | 12.7284% | 5,397 |
| Memoranda: | ||
| Average total assets | $157,189,000 | 3,526 |
| Average earning assets | $140,152,000 | 3,601 |
| Average equity | $17,364,670 | 3,515 |
| Average total loans | $121,313,670 | 3,065 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7031% | 1,030 |
| Cost of funding earning assets | 0.5930% | 1,482 |
| Net interest margin | 4.1101% | 1,255 |
| Noninterest income to average assets | 0.5451% | 2,988 |
| Noninterest expense to average assets | 2.8769% | 2,982 |
| Loan and lease loss provision to assets | 0.1408% | 1,453 |
| Net operating income to assets | 0.7611% | 3,477 |
| Return on assets (ROA) | 0.7746% | 3,532 |
| Pretax return on assets | 1.1998% | 2,668 |
| Return on Equity (ROE) | 6.9084% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.9084% | 2,047 |
| Net charge-offs to loans | 0.0103% | 2,987 |
| Credit loss provision to net charge-offs | 1,800.0000% | 216 |
| Earnings coverage of net charge-offs (x) | 168.6667% | 325 |
| Efficiency ratio | 67.2467% | 3,945 |
| Assets per employee ($millions) | 3.4126% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 5,498 |
| Loan loss allowance to noncurrent loans | 349.6622% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2140% | 5,089 |
| Noncurrent loans to loans | 0.2518% | 4,885 |
| Net loans and leases to total assets | 74.2115% | 1,469 |
| Net loans and leases to deposits | 86.8416% | 1,733 |
| Net loans and leases to core deposits | 89.3780% | 2,189 |
| Total domestic deposits to total assets | 85.4562% | 3,195 |
| Equity capital to assets | 11.0631% | 2,907 |
| Core capital (leverage) ratio | 9.8538% | 3,815 |
| Tier 1 risk-based capital ratio | 12.7768% | 4,742 |
| Total risk-based capital ratio | 13.6441% | 4,887 |
| Memoranda: | ||
| Average total assets | $153,360,500 | 3,600 |
| Average earning assets | $136,249,500 | 3,682 |
| Average equity | $17,196,500 | 3,568 |
| Average total loans | $116,834,500 | 3,147 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 738 |
| Cost of funding earning assets | 0.6164% | 1,629 |
| Net interest margin | 4.4057% | 877 |
| Noninterest income to average assets | 0.6501% | 2,547 |
| Noninterest expense to average assets | 2.9884% | 2,876 |
| Loan and lease loss provision to assets | 0.0752% | 2,981 |
| Net operating income to assets | 0.9521% | 2,623 |
| Return on assets (ROA) | 0.9770% | 2,573 |
| Pretax return on assets | 1.5016% | 1,538 |
| Return on Equity (ROE) | 8.4500% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.4500% | 850 |
| Net charge-offs to loans | 0.0112% | 4,684 |
| Credit loss provision to net charge-offs | 883.3333% | 308 |
| Earnings coverage of net charge-offs (x) | 180.8333% | 297 |
| Efficiency ratio | 64.3070% | 4,548 |
| Assets per employee ($millions) | 3.2552% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 5,641 |
| Loan loss allowance to noncurrent loans | 433.4802% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 5,204 |
| Noncurrent loans to loans | 0.1955% | 5,118 |
| Net loans and leases to total assets | 76.9013% | 1,142 |
| Net loans and leases to deposits | 90.3826% | 1,480 |
| Net loans and leases to core deposits | 93.9242% | 1,932 |
| Total domestic deposits to total assets | 85.0841% | 3,254 |
| Equity capital to assets | 11.3704% | 2,538 |
| Core capital (leverage) ratio | 10.1454% | 3,372 |
| Tier 1 risk-based capital ratio | 12.3079% | 5,146 |
| Total risk-based capital ratio | 13.1346% | 5,343 |
| Memoranda: | ||
| Average total assets | $141,046,800 | 3,779 |
| Average earning assets | $124,112,200 | 3,882 |
| Average equity | $16,307,600 | 3,627 |
| Average total loans | $107,420,400 | 3,277 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 832 |
| Cost of funding earning assets | 0.6159% | 1,717 |
| Net interest margin | 4.3387% | 975 |
| Noninterest income to average assets | 0.6317% | 2,678 |
| Noninterest expense to average assets | 3.0377% | 2,680 |
| Loan and lease loss provision to assets | 0.0490% | 3,398 |
| Net operating income to assets | 0.9120% | 2,857 |
| Return on assets (ROA) | 0.9294% | 2,874 |
| Pretax return on assets | 1.3854% | 2,066 |
| Return on Equity (ROE) | 8.0024% | 3,202 |
| Retained earnings to average equity (ytd only) | 8.0024% | 1,361 |
| Net charge-offs to loans | 0.0127% | 4,301 |
| Credit loss provision to net charge-offs | 510.0000% | 558 |
| Earnings coverage of net charge-offs (x) | 146.7329% | 422 |
| Efficiency ratio | 66.5731% | 4,121 |
| Assets per employee ($millions) | 3.2312% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 5,823 |
| Loan loss allowance to noncurrent loans | 135.3198% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 4,189 |
| Noncurrent loans to loans | 0.6071% | 4,108 |
| Net loans and leases to total assets | 79.0527% | 827 |
| Net loans and leases to deposits | 94.2268% | 1,017 |
| Net loans and leases to core deposits | 98.4073% | 1,492 |
| Total domestic deposits to total assets | 83.8962% | 3,800 |
| Equity capital to assets | 11.7035% | 2,302 |
| Core capital (leverage) ratio | 10.0464% | 3,608 |
| Tier 1 risk-based capital ratio | 12.3307% | 5,277 |
| Total risk-based capital ratio | 13.1384% | 5,486 |
| Memoranda: | ||
| Average total assets | $138,873,500 | 3,852 |
| Average earning assets | $122,092,250 | 3,948 |
| Average equity | $16,128,000 | 3,675 |
| Average total loans | $105,241,500 | 3,350 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 966 |
| Cost of funding earning assets | 0.6212% | 1,725 |
| Net interest margin | 4.2454% | 1,144 |
| Noninterest income to average assets | 0.6387% | 2,611 |
| Noninterest expense to average assets | 3.0775% | 2,576 |
| Loan and lease loss provision to assets | 0.0116% | 4,015 |
| Net operating income to assets | 0.8909% | 2,856 |
| Return on assets (ROA) | 0.9000% | 2,900 |
| Pretax return on assets | 1.2833% | 2,323 |
| Return on Equity (ROE) | 7.7706% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.7706% | 1,402 |
| Net charge-offs to loans | 0.0195% | 3,826 |
| Credit loss provision to net charge-offs | 80.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 88.3000% | 613 |
| Efficiency ratio | 68.8312% | 3,857 |
| Assets per employee ($millions) | 3.3313% | 5,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 5,923 |
| Loan loss allowance to noncurrent loans | 166.9173% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4454% | 4,669 |
| Noncurrent loans to loans | 0.4924% | 4,518 |
| Net loans and leases to total assets | 74.8026% | 1,333 |
| Net loans and leases to deposits | 90.0050% | 1,372 |
| Net loans and leases to core deposits | 93.6152% | 1,806 |
| Total domestic deposits to total assets | 83.1094% | 4,264 |
| Equity capital to assets | 11.3973% | 2,514 |
| Core capital (leverage) ratio | 9.9512% | 3,678 |
| Tier 1 risk-based capital ratio | 12.4772% | 5,244 |
| Total risk-based capital ratio | 13.2779% | 5,463 |
| Memoranda: | ||
| Average total assets | $137,774,330 | 3,889 |
| Average earning assets | $120,742,330 | 3,991 |
| Average equity | $15,957,670 | 3,701 |
| Average total loans | $102,548,330 | 3,406 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 1,117 |
| Cost of funding earning assets | 0.6420% | 1,636 |
| Net interest margin | 4.1222% | 1,408 |
| Noninterest income to average assets | 0.6072% | 2,698 |
| Noninterest expense to average assets | 3.0421% | 2,724 |
| Loan and lease loss provision to assets | 0.0059% | 3,744 |
| Net operating income to assets | 0.7879% | 3,212 |
| Return on assets (ROA) | 0.7879% | 3,289 |
| Pretax return on assets | 1.1730% | 2,597 |
| Return on Equity (ROE) | 6.7455% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.7455% | 2,166 |
| Net charge-offs to loans | 0.0481% | 2,711 |
| Credit loss provision to net charge-offs | 16.6667% | 2,538 |
| Earnings coverage of net charge-offs (x) | 33.1667% | 989 |
| Efficiency ratio | 70.1754% | 3,809 |
| Assets per employee ($millions) | 3.1733% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 5,941 |
| Loan loss allowance to noncurrent loans | 162.9630% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 4,736 |
| Noncurrent loans to loans | 0.5358% | 4,566 |
| Net loans and leases to total assets | 71.5556% | 1,642 |
| Net loans and leases to deposits | 83.2737% | 1,911 |
| Net loans and leases to core deposits | 85.0951% | 2,409 |
| Total domestic deposits to total assets | 85.9282% | 3,401 |
| Equity capital to assets | 11.3918% | 2,340 |
| Core capital (leverage) ratio | 9.8763% | 3,750 |
| Tier 1 risk-based capital ratio | 12.8743% | 5,079 |
| Total risk-based capital ratio | 13.7161% | 5,274 |
| Memoranda: | ||
| Average total assets | $135,039,000 | 3,976 |
| Average earning assets | $118,382,500 | 4,085 |
| Average equity | $15,773,500 | 3,736 |
| Average total loans | $99,803,000 | 3,479 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0171% | 890 |
| Cost of funding earning assets | 0.6564% | 2,157 |
| Net interest margin | 4.3608% | 973 |
| Noninterest income to average assets | 0.8294% | 1,940 |
| Noninterest expense to average assets | 2.9950% | 3,070 |
| Loan and lease loss provision to assets | 0.4618% | 618 |
| Net operating income to assets | 0.8077% | 3,255 |
| Return on assets (ROA) | 0.8077% | 3,351 |
| Pretax return on assets | 1.2582% | 2,323 |
| Return on Equity (ROE) | 6.6108% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.6108% | 1,616 |
| Net charge-offs to loans | 0.1365% | 3,435 |
| Credit loss provision to net charge-offs | 459.2000% | 500 |
| Earnings coverage of net charge-offs (x) | 17.1040% | 1,740 |
| Efficiency ratio | 61.6960% | 5,259 |
| Assets per employee ($millions) | 3.0337% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 5,925 |
| Loan loss allowance to noncurrent loans | 417.8404% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 5,505 |
| Noncurrent loans to loans | 0.2156% | 5,535 |
| Net loans and leases to total assets | 75.0665% | 1,210 |
| Net loans and leases to deposits | 88.1262% | 1,444 |
| Net loans and leases to core deposits | 90.6545% | 1,944 |
| Total domestic deposits to total assets | 85.1806% | 3,654 |
| Equity capital to assets | 11.9899% | 1,812 |
| Core capital (leverage) ratio | 10.3532% | 3,083 |
| Tier 1 risk-based capital ratio | 12.7912% | 5,119 |
| Total risk-based capital ratio | 13.6559% | 5,291 |
| Memoranda: | ||
| Average total assets | $124,307,200 | 4,172 |
| Average earning assets | $110,760,200 | 4,242 |
| Average equity | $15,187,200 | 3,831 |
| Average total loans | $91,606,000 | 3,652 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 1,034 |
| Cost of funding earning assets | 0.6541% | 2,332 |
| Net interest margin | 4.2931% | 1,112 |
| Noninterest income to average assets | 0.8764% | 1,839 |
| Noninterest expense to average assets | 2.9181% | 3,242 |
| Loan and lease loss provision to assets | 0.4246% | 687 |
| Net operating income to assets | 0.9557% | 2,558 |
| Return on assets (ROA) | 0.9557% | 2,662 |
| Pretax return on assets | 1.3901% | 1,962 |
| Return on Equity (ROE) | 7.7837% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.7837% | 1,507 |
| Net charge-offs to loans | 0.1203% | 3,347 |
| Credit loss provision to net charge-offs | 482.7160% | 560 |
| Earnings coverage of net charge-offs (x) | 20.6291% | 1,578 |
| Efficiency ratio | 60.0505% | 5,430 |
| Assets per employee ($millions) | 2.9621% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 6,349 |
| Loan loss allowance to noncurrent loans | 615.5738% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 5,739 |
| Noncurrent loans to loans | 0.1237% | 5,960 |
| Net loans and leases to total assets | 76.8191% | 893 |
| Net loans and leases to deposits | 92.2310% | 968 |
| Net loans and leases to core deposits | 93.7106% | 1,600 |
| Total domestic deposits to total assets | 83.2899% | 4,467 |
| Equity capital to assets | 12.1667% | 1,809 |
| Core capital (leverage) ratio | 10.6109% | 2,879 |
| Tier 1 risk-based capital ratio | 12.6601% | 5,355 |
| Total risk-based capital ratio | 13.3905% | 5,625 |
| Memoranda: | ||
| Average total assets | $122,771,250 | 4,256 |
| Average earning assets | $110,281,750 | 4,294 |
| Average equity | $15,073,750 | 3,905 |
| Average total loans | $89,803,750 | 3,723 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 1,222 |
| Cost of funding earning assets | 0.6644% | 2,364 |
| Net interest margin | 4.1834% | 1,324 |
| Noninterest income to average assets | 0.8743% | 1,912 |
| Noninterest expense to average assets | 2.8671% | 3,446 |
| Loan and lease loss provision to assets | 0.3745% | 867 |
| Net operating income to assets | 1.0211% | 2,238 |
| Return on assets (ROA) | 1.0211% | 2,359 |
| Pretax return on assets | 1.3824% | 1,994 |
| Return on Equity (ROE) | 8.2905% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.2905% | 1,367 |
| Net charge-offs to loans | 0.0161% | 4,517 |
| Credit loss provision to net charge-offs | 3,242.8571% | 96 |
| Earnings coverage of net charge-offs (x) | 152.1429% | 324 |
| Efficiency ratio | 60.0071% | 5,485 |
| Assets per employee ($millions) | 2.8434% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 6,500 |
| Loan loss allowance to noncurrent loans | 429.2208% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 5,908 |
| Noncurrent loans to loans | 0.1619% | 5,922 |
| Net loans and leases to total assets | 77.2694% | 831 |
| Net loans and leases to deposits | 91.2599% | 1,028 |
| Net loans and leases to core deposits | 92.2076% | 1,687 |
| Total domestic deposits to total assets | 84.6696% | 4,056 |
| Equity capital to assets | 12.4678% | 1,597 |
| Core capital (leverage) ratio | 10.6694% | 2,696 |
| Tier 1 risk-based capital ratio | 12.9500% | 5,176 |
| Total risk-based capital ratio | 13.6195% | 5,534 |
| Memoranda: | ||
| Average total assets | $121,237,670 | 4,324 |
| Average earning assets | $108,667,330 | 4,370 |
| Average equity | $14,932,670 | 3,955 |
| Average total loans | $86,872,670 | 3,794 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7726% | 1,344 |
| Cost of funding earning assets | 0.6829% | 2,367 |
| Net interest margin | 4.0897% | 1,487 |
| Noninterest income to average assets | 0.7356% | 2,401 |
| Noninterest expense to average assets | 2.8495% | 3,542 |
| Loan and lease loss provision to assets | 0.1955% | 1,892 |
| Net operating income to assets | 1.0073% | 2,194 |
| Return on assets (ROA) | 1.0073% | 2,310 |
| Pretax return on assets | 1.3419% | 2,067 |
| Return on Equity (ROE) | 8.2290% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.2290% | 1,674 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7644% | 5,187 |
| Assets per employee ($millions) | 2.8704% | 6,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5946% | 6,714 |
| Loan loss allowance to noncurrent loans | 450.4505% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 6,002 |
| Noncurrent loans to loans | 0.1320% | 6,074 |
| Net loans and leases to total assets | 69.3335% | 1,775 |
| Net loans and leases to deposits | 80.1667% | 2,052 |
| Net loans and leases to core deposits | 81.2594% | 2,663 |
| Total domestic deposits to total assets | 86.4867% | 3,241 |
| Equity capital to assets | 12.3977% | 1,775 |
| Core capital (leverage) ratio | 10.5714% | 2,684 |
| Tier 1 risk-based capital ratio | 14.0530% | 4,472 |
| Total risk-based capital ratio | 14.6175% | 4,911 |
| Memoranda: | ||
| Average total assets | $120,723,000 | 4,384 |
| Average earning assets | $107,782,500 | 4,429 |
| Average equity | $14,777,000 | 4,039 |
| Average total loans | $82,741,000 | 3,929 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 1,177 |
| Cost of funding earning assets | 0.8725% | 2,121 |
| Net interest margin | 4.2938% | 1,415 |
| Noninterest income to average assets | 0.8874% | 1,905 |
| Noninterest expense to average assets | 2.9066% | 3,605 |
| Loan and lease loss provision to assets | 0.4160% | 1,542 |
| Net operating income to assets | 0.9217% | 2,695 |
| Return on assets (ROA) | 1.0411% | 2,363 |
| Pretax return on assets | 1.6159% | 1,340 |
| Return on Equity (ROE) | 9.4105% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.4105% | 718 |
| Net charge-offs to loans | 0.1598% | 4,107 |
| Credit loss provision to net charge-offs | 375.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 16.6364% | 1,570 |
| Efficiency ratio | 59.1247% | 5,681 |
| Assets per employee ($millions) | 3.1813% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5418% | 6,809 |
| Loan loss allowance to noncurrent loans | 412.1495% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 6,098 |
| Noncurrent loans to loans | 0.1315% | 6,155 |
| Net loans and leases to total assets | 66.9661% | 2,371 |
| Net loans and leases to deposits | 77.1274% | 2,637 |
| Net loans and leases to core deposits | 79.4910% | 3,079 |
| Total domestic deposits to total assets | 86.8253% | 2,925 |
| Equity capital to assets | 12.0836% | 1,995 |
| Core capital (leverage) ratio | 10.4409% | 2,833 |
| Tier 1 risk-based capital ratio | 14.1324% | 4,291 |
| Total risk-based capital ratio | 14.6469% | 4,776 |
| Memoranda: | ||
| Average total assets | $79,336,200 | 5,373 |
| Average earning assets | $71,406,000 | 5,384 |
| Average equity | $8,777,400 | 5,278 |
| Average total loans | $55,082,200 | 4,900 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5368% | 633 |
| Cost of funding earning assets | 0.9815% | 1,669 |
| Net interest margin | 4.5554% | 894 |
| Noninterest income to average assets | 0.9901% | 1,533 |
| Noninterest expense to average assets | 3.2043% | 2,551 |
| Loan and lease loss provision to assets | 0.4293% | 1,481 |
| Net operating income to assets | 1.0266% | 2,380 |
| Return on assets (ROA) | 1.2241% | 1,830 |
| Pretax return on assets | 1.7713% | 1,113 |
| Return on Equity (ROE) | 11.5302% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.5302% | 607 |
| Net charge-offs to loans | 0.0330% | 5,182 |
| Credit loss provision to net charge-offs | 1,850.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 82.4981% | 499 |
| Efficiency ratio | 60.5591% | 5,398 |
| Assets per employee ($millions) | 2.6785% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 6,619 |
| Loan loss allowance to noncurrent loans | 205.5276% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 5,201 |
| Noncurrent loans to loans | 0.3860% | 5,692 |
| Net loans and leases to total assets | 76.3732% | 912 |
| Net loans and leases to deposits | 86.8401% | 1,506 |
| Net loans and leases to core deposits | 88.3463% | 2,177 |
| Total domestic deposits to total assets | 87.9469% | 2,074 |
| Equity capital to assets | 11.3647% | 2,886 |
| Core capital (leverage) ratio | 9.5557% | 4,188 |
| Tier 1 risk-based capital ratio | 12.7599% | 5,433 |
| Total risk-based capital ratio | 13.5403% | 5,745 |
| Memoranda: | ||
| Average total assets | $68,947,500 | 5,717 |
| Average earning assets | $62,489,000 | 5,721 |
| Average equity | $7,319,750 | 5,742 |
| Average total loans | $48,503,500 | 5,221 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4184% | 839 |
| Cost of funding earning assets | 1.0213% | 1,640 |
| Net interest margin | 4.3971% | 1,207 |
| Noninterest income to average assets | 1.0602% | 1,284 |
| Noninterest expense to average assets | 3.2151% | 2,538 |
| Loan and lease loss provision to assets | 0.4999% | 1,273 |
| Net operating income to assets | 0.9494% | 2,660 |
| Return on assets (ROA) | 1.2039% | 1,898 |
| Pretax return on assets | 1.6693% | 1,342 |
| Return on Equity (ROE) | 11.6018% | 1,803 |
| Retained earnings to average equity (ytd only) | 11.6018% | 647 |
| Net charge-offs to loans | 0.0295% | 4,969 |
| Credit loss provision to net charge-offs | 2,485.7143% | 123 |
| Earnings coverage of net charge-offs (x) | 90.2857% | 464 |
| Efficiency ratio | 61.9075% | 5,267 |
| Assets per employee ($millions) | 2.8046% | 6,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7316% | 6,787 |
| Loan loss allowance to noncurrent loans | 201.0989% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.5534% | 5,374 |
| Noncurrent loans to loans | 0.3638% | 5,817 |
| Net loans and leases to total assets | 70.8332% | 1,769 |
| Net loans and leases to deposits | 79.6740% | 2,427 |
| Net loans and leases to core deposits | 80.9757% | 3,088 |
| Total domestic deposits to total assets | 88.9038% | 1,574 |
| Equity capital to assets | 10.5885% | 3,581 |
| Core capital (leverage) ratio | 9.4081% | 4,288 |
| Tier 1 risk-based capital ratio | 12.4434% | 5,611 |
| Total risk-based capital ratio | 13.1489% | 5,964 |
| Memoranda: | ||
| Average total assets | $69,609,330 | 5,740 |
| Average earning assets | $62,859,330 | 5,743 |
| Average equity | $7,223,000 | 5,780 |
| Average total loans | $47,488,000 | 5,285 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 1,068 |
| Cost of funding earning assets | 1.1010% | 1,406 |
| Net interest margin | 4.2132% | 1,727 |
| Noninterest income to average assets | 1.2400% | 922 |
| Noninterest expense to average assets | 3.0451% | 3,096 |
| Loan and lease loss provision to assets | 0.4441% | 1,402 |
| Net operating income to assets | 1.1950% | 1,753 |
| Return on assets (ROA) | 1.2169% | 1,868 |
| Pretax return on assets | 1.5975% | 1,591 |
| Return on Equity (ROE) | 11.8498% | 1,716 |
| Retained earnings to average equity (ytd only) | 11.8498% | 844 |
| Net charge-offs to loans | 0.0865% | 3,647 |
| Credit loss provision to net charge-offs | 770.0000% | 444 |
| Earnings coverage of net charge-offs (x) | 34.9000% | 828 |
| Efficiency ratio | 58.3808% | 5,864 |
| Assets per employee ($millions) | 2.7872% | 6,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 7,024 |
| Loan loss allowance to noncurrent loans | 60.0451% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 4,998 |
| Noncurrent loans to loans | 0.9239% | 4,819 |
| Net loans and leases to total assets | 68.4290% | 2,037 |
| Net loans and leases to deposits | 76.5681% | 2,717 |
| Net loans and leases to core deposits | 77.8177% | 3,355 |
| Total domestic deposits to total assets | 89.3701% | 1,441 |
| Equity capital to assets | 10.3658% | 3,652 |
| Core capital (leverage) ratio | 9.3180% | 4,334 |
| Tier 1 risk-based capital ratio | 12.4540% | 5,642 |
| Total risk-based capital ratio | 12.9858% | 6,118 |
| Memoranda: | ||
| Average total assets | $69,357,000 | 5,794 |
| Average earning assets | $62,850,500 | 5,782 |
| Average equity | $7,122,500 | 5,832 |
| Average total loans | $46,217,000 | 5,370 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 4,098 |
| Cost of funding earning assets | 1.0988% | 2,683 |
| Net interest margin | 3.6371% | 4,581 |
| Noninterest income to average assets | 1.0521% | 1,211 |
| Noninterest expense to average assets | 2.6921% | 4,771 |
| Loan and lease loss provision to assets | 0.1220% | 5,079 |
| Net operating income to assets | 1.0577% | 1,974 |
| Return on assets (ROA) | 1.0715% | 2,056 |
| Pretax return on assets | 1.4986% | 1,473 |
| Return on Equity (ROE) | 10.7946% | 1,766 |
| Retained earnings to average equity (ytd only) | 10.7946% | 432 |
| Net charge-offs to loans | 0.1504% | 4,938 |
| Credit loss provision to net charge-offs | 124.2424% | 2,527 |
| Earnings coverage of net charge-offs (x) | 16.3030% | 1,337 |
| Efficiency ratio | 60.3466% | 5,699 |
| Assets per employee ($millions) | 2.7613% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4473% | 7,136 |
| Loan loss allowance to noncurrent loans | 103.6458% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 5,627 |
| Noncurrent loans to loans | 0.4316% | 5,845 |
| Net loans and leases to total assets | 64.1534% | 3,157 |
| Net loans and leases to deposits | 71.7013% | 3,846 |
| Net loans and leases to core deposits | 72.5232% | 4,440 |
| Total domestic deposits to total assets | 89.4732% | 1,278 |
| Equity capital to assets | 10.1719% | 3,941 |
| Core capital (leverage) ratio | 9.0607% | 4,682 |
| Tier 1 risk-based capital ratio | 12.7537% | 5,270 |
| Total risk-based capital ratio | 13.1766% | 5,858 |
| Memoranda: | ||
| Average total assets | $67,197,800 | 5,829 |
| Average earning assets | $59,883,200 | 5,870 |
| Average equity | $6,670,000 | 5,966 |
| Average total loans | $43,883,400 | 5,525 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 4,065 |
| Cost of funding earning assets | 1.1001% | 2,979 |
| Net interest margin | 3.6889% | 4,389 |
| Noninterest income to average assets | 0.9010% | 1,651 |
| Noninterest expense to average assets | 2.6491% | 4,910 |
| Loan and lease loss provision to assets | 0.1878% | 4,154 |
| Net operating income to assets | 1.0543% | 2,125 |
| Return on assets (ROA) | 1.0748% | 2,204 |
| Pretax return on assets | 1.3525% | 2,107 |
| Return on Equity (ROE) | 10.8982% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.8982% | 649 |
| Net charge-offs to loans | 0.1067% | 4,936 |
| Credit loss provision to net charge-offs | 268.5714% | 1,065 |
| Earnings coverage of net charge-offs (x) | 21.6550% | 1,177 |
| Efficiency ratio | 61.8042% | 5,442 |
| Assets per employee ($millions) | 2.7248% | 6,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5517% | 7,130 |
| Loan loss allowance to noncurrent loans | 119.4030% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 5,936 |
| Noncurrent loans to loans | 0.4621% | 5,921 |
| Net loans and leases to total assets | 66.1518% | 2,868 |
| Net loans and leases to deposits | 77.0011% | 3,168 |
| Net loans and leases to core deposits | 78.3838% | 3,841 |
| Total domestic deposits to total assets | 85.9102% | 3,263 |
| Equity capital to assets | 10.5421% | 3,654 |
| Core capital (leverage) ratio | 8.8752% | 5,148 |
| Tier 1 risk-based capital ratio | 12.6517% | 5,366 |
| Total risk-based capital ratio | 13.1764% | 5,923 |
| Memoranda: | ||
| Average total assets | $66,739,000 | 5,887 |
| Average earning assets | $59,022,500 | 5,940 |
| Average equity | $6,582,000 | 6,033 |
| Average total loans | $43,732,750 | 5,573 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 6,251 |
| Cost of funding earning assets | 0.9948% | 3,983 |
| Net interest margin | 3.2203% | 6,098 |
| Noninterest income to average assets | 0.7621% | 2,195 |
| Noninterest expense to average assets | 2.3844% | 5,889 |
| Loan and lease loss provision to assets | 0.1161% | 4,825 |
| Net operating income to assets | 0.8652% | 2,798 |
| Return on assets (ROA) | 0.8930% | 2,778 |
| Pretax return on assets | 1.1401% | 2,695 |
| Return on Equity (ROE) | 9.2621% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.2621% | 1,029 |
| Net charge-offs to loans | 0.1370% | 4,376 |
| Credit loss provision to net charge-offs | 130.0000% | 2,346 |
| Earnings coverage of net charge-offs (x) | 13.6667% | 1,531 |
| Efficiency ratio | 64.6573% | 5,117 |
| Assets per employee ($millions) | 2.7923% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1230% | 7,418 |
| Loan loss allowance to noncurrent loans | 17.0347% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6446% | 5,622 |
| Noncurrent loans to loans | 0.7219% | 5,467 |
| Net loans and leases to total assets | 65.4490% | 3,149 |
| Net loans and leases to deposits | 76.7467% | 3,330 |
| Net loans and leases to core deposits | 78.0955% | 4,046 |
| Total domestic deposits to total assets | 85.2792% | 3,735 |
| Equity capital to assets | 9.9531% | 4,215 |
| Core capital (leverage) ratio | 8.4309% | 5,662 |
| Tier 1 risk-based capital ratio | 11.9738% | 5,805 |
| Total risk-based capital ratio | 12.0908% | 6,601 |
| Memoranda: | ||
| Average total assets | $67,187,000 | 5,917 |
| Average earning assets | $59,311,330 | 5,976 |
| Average equity | $6,478,000 | 6,092 |
| Average total loans | $43,810,330 | 5,618 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8704% | 7,427 |
| Cost of funding earning assets | 0.6754% | 6,270 |
| Net interest margin | 2.1950% | 7,358 |
| Noninterest income to average assets | 0.3627% | 5,014 |
| Noninterest expense to average assets | 1.5994% | 7,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4531% | 4,701 |
| Return on assets (ROA) | 0.4995% | 4,576 |
| Pretax return on assets | 0.7670% | 4,030 |
| Return on Equity (ROE) | 5.2648% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.2648% | 3,025 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6891% | 4,336 |
| Assets per employee ($millions) | 2.7718% | 6,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 4,977 |
| Noncurrent loans to loans | 1.2210% | 4,643 |
| Net loans and leases to total assets | 64.6343% | 3,326 |
| Net loans and leases to deposits | 74.9268% | 3,606 |
| Net loans and leases to core deposits | 77.1492% | 4,140 |
| Total domestic deposits to total assets | 86.2632% | 3,350 |
| Equity capital to assets | 8.9685% | 5,254 |
| Core capital (leverage) ratio | 6.6601% | 7,128 |
| Tier 1 risk-based capital ratio | 9.9531% | 7,023 |
| Total risk-based capital ratio | 9.9531% | 7,251 |
| Memoranda: | ||
| Average total assets | $67,273,500 | 5,958 |
| Average earning assets | $59,225,500 | 6,023 |
| Average equity | $6,382,000 | 6,133 |
| Average total loans | $43,758,500 | 5,669 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9222% | 994 |
| Cost of funding earning assets | 1.8899% | 878 |
| Net interest margin | 4.0323% | 2,878 |
| Noninterest income to average assets | 0.5034% | 4,141 |
| Noninterest expense to average assets | 3.4498% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5082% | 4,058 |
| Return on assets (ROA) | 0.6220% | 3,736 |
| Pretax return on assets | 0.6220% | 4,251 |
| Return on Equity (ROE) | 5.8381% | 3,679 |
| Retained earnings to average equity (ytd only) | 5.8381% | 1,914 |
| Net charge-offs to loans | -0.1184% | 7,510 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2977% | 1,771 |
| Assets per employee ($millions) | 3.2393% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 3,862 |
| Loan loss allowance to noncurrent loans | 89.9604% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.8640% | 3,532 |
| Noncurrent loans to loans | 1.7003% | 3,958 |
| Net loans and leases to total assets | 64.4469% | 3,770 |
| Net loans and leases to deposits | 75.3796% | 3,943 |
| Net loans and leases to core deposits | 77.0190% | 4,588 |
| Total domestic deposits to total assets | 85.4965% | 3,604 |
| Equity capital to assets | 9.9934% | 3,748 |
| Core capital (leverage) ratio | 7.3213% | 6,831 |
| Tier 1 risk-based capital ratio | 9.8551% | 7,037 |
| Total risk-based capital ratio | 11.1085% | 7,029 |
| Memoranda: | ||
| Average total assets | $62,380,000 | 6,111 |
| Average earning assets | $53,443,000 | 6,239 |
| Average equity | $6,646,000 | 6,152 |
| Average total loans | $43,904,200 | 5,751 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9741% | 984 |
| Cost of funding earning assets | 1.9658% | 844 |
| Net interest margin | 4.0083% | 3,062 |
| Noninterest income to average assets | 0.6167% | 3,342 |
| Noninterest expense to average assets | 3.6258% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4199% | 4,661 |
| Return on assets (ROA) | 0.5751% | 4,142 |
| Pretax return on assets | 0.5751% | 4,679 |
| Return on Equity (ROE) | 5.3066% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.3066% | 2,769 |
| Net charge-offs to loans | -0.1371% | 7,589 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6216% | 1,482 |
| Assets per employee ($millions) | 2.9706% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 3,801 |
| Loan loss allowance to noncurrent loans | 84.4612% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 2.1785% | 3,234 |
| Noncurrent loans to loans | 1.8182% | 3,922 |
| Net loans and leases to total assets | 69.2764% | 2,909 |
| Net loans and leases to deposits | 88.1869% | 1,983 |
| Net loans and leases to core deposits | 90.4630% | 3,032 |
| Total domestic deposits to total assets | 78.5563% | 6,131 |
| Equity capital to assets | 11.0048% | 2,958 |
| Core capital (leverage) ratio | 7.6445% | 6,727 |
| Tier 1 risk-based capital ratio | 9.9743% | 7,082 |
| Total risk-based capital ratio | 11.2277% | 7,067 |
| Memoranda: | ||
| Average total assets | $60,968,750 | 6,234 |
| Average earning assets | $52,156,750 | 6,365 |
| Average equity | $6,608,000 | 6,231 |
| Average total loans | $43,750,000 | 5,840 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9612% | 1,038 |
| Cost of funding earning assets | 1.9987% | 917 |
| Net interest margin | 3.9626% | 3,195 |
| Noninterest income to average assets | 0.5818% | 3,469 |
| Noninterest expense to average assets | 3.6828% | 1,587 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2876% | 5,229 |
| Return on assets (ROA) | 0.5223% | 4,389 |
| Pretax return on assets | 0.5223% | 4,837 |
| Return on Equity (ROE) | 4.8449% | 4,362 |
| Retained earnings to average equity (ytd only) | 4.8449% | 2,986 |
| Net charge-offs to loans | -0.4347% | 7,721 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6744% | 1,283 |
| Assets per employee ($millions) | 2.9002% | 6,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 3,193 |
| Loan loss allowance to noncurrent loans | 90.3870% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 2.4891% | 2,892 |
| Noncurrent loans to loans | 1.8461% | 3,940 |
| Net loans and leases to total assets | 70.0501% | 2,884 |
| Net loans and leases to deposits | 89.3618% | 1,954 |
| Net loans and leases to core deposits | 91.7210% | 3,023 |
| Total domestic deposits to total assets | 78.3893% | 6,181 |
| Equity capital to assets | 10.9761% | 2,889 |
| Core capital (leverage) ratio | 7.5382% | 6,795 |
| Tier 1 risk-based capital ratio | 10.2047% | 6,911 |
| Total risk-based capital ratio | 11.4605% | 6,880 |
| Memoranda: | ||
| Average total assets | $60,497,670 | 6,285 |
| Average earning assets | $51,734,330 | 6,416 |
| Average equity | $6,522,330 | 6,290 |
| Average total loans | $43,703,330 | 5,877 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0854% | 799 |
| Cost of funding earning assets | 2.0259% | 1,009 |
| Net interest margin | 4.0595% | 2,614 |
| Noninterest income to average assets | 0.5971% | 3,292 |
| Noninterest expense to average assets | 3.9540% | 1,096 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0995% | 6,024 |
| Return on assets (ROA) | 0.5639% | 4,208 |
| Pretax return on assets | 0.5639% | 4,739 |
| Return on Equity (ROE) | 5.2787% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.2787% | 2,996 |
| Net charge-offs to loans | -0.7934% | 7,839 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5810% | 1,050 |
| Assets per employee ($millions) | 2.8330% | 6,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 3,210 |
| Loan loss allowance to noncurrent loans | 229.4872% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 1.8456% | 3,715 |
| Noncurrent loans to loans | 0.7236% | 5,873 |
| Net loans and leases to total assets | 71.2672% | 2,628 |
| Net loans and leases to deposits | 91.1082% | 1,743 |
| Net loans and leases to core deposits | 93.5671% | 2,895 |
| Total domestic deposits to total assets | 78.2226% | 6,263 |
| Equity capital to assets | 10.9677% | 2,794 |
| Core capital (leverage) ratio | 7.4739% | 6,879 |
| Tier 1 risk-based capital ratio | 10.2646% | 6,826 |
| Total risk-based capital ratio | 11.5196% | 6,822 |
| Memoranda: | ||
| Average total assets | $60,294,000 | 6,364 |
| Average earning assets | $51,336,000 | 6,500 |
| Average equity | $6,441,000 | 6,366 |
| Average total loans | $43,861,000 | 5,942 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5505% | 605 |
| Cost of funding earning assets | 2.4906% | 1,043 |
| Net interest margin | 4.0599% | 2,606 |
| Noninterest income to average assets | 0.6102% | 3,551 |
| Noninterest expense to average assets | 3.4149% | 2,625 |
| Loan and lease loss provision to assets | 0.6347% | 3,264 |
| Net operating income to assets | 0.1207% | 5,144 |
| Return on assets (ROA) | -0.0664% | 5,636 |
| Pretax return on assets | -0.0664% | 5,552 |
| Return on Equity (ROE) | -0.5835% | 5,635 |
| Retained earnings to average equity (ytd only) | -1.8119% | 5,466 |
| Net charge-offs to loans | 1.5765% | 1,599 |
| Credit loss provision to net charge-offs | 52.9927% | 6,712 |
| Earnings coverage of net charge-offs (x) | 0.6307% | 5,463 |
| Efficiency ratio | 79.7904% | 2,918 |
| Assets per employee ($millions) | 2.7770% | 6,702 |
| Cash dividends to net income (ytd only)* | -210.5263% | 7,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,176 |
| Loan loss allowance to noncurrent loans | 183.3819% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 1.8463% | 3,602 |
| Noncurrent loans to loans | 0.7689% | 5,730 |
| Net loans and leases to total assets | 71.9830% | 2,753 |
| Net loans and leases to deposits | 90.9501% | 2,056 |
| Net loans and leases to core deposits | 104.6871% | 3,493 |
| Total domestic deposits to total assets | 79.1456% | 5,940 |
| Equity capital to assets | 10.4051% | 3,277 |
| Core capital (leverage) ratio | 7.5257% | 6,764 |
| Tier 1 risk-based capital ratio | 9.5720% | 7,183 |
| Total risk-based capital ratio | 10.8240% | 7,165 |
| Memoranda: | ||
| Average total assets | $57,189,800 | 6,457 |
| Average earning assets | $50,148,600 | 6,526 |
| Average equity | $6,512,600 | 6,422 |
| Average total loans | $43,450,600 | 5,961 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5757% | 642 |
| Cost of funding earning assets | 2.5653% | 1,120 |
| Net interest margin | 4.0104% | 2,765 |
| Noninterest income to average assets | 0.6214% | 3,545 |
| Noninterest expense to average assets | 3.4961% | 2,293 |
| Loan and lease loss provision to assets | 0.0830% | 6,538 |
| Net operating income to assets | 0.5835% | 3,659 |
| Return on assets (ROA) | 0.5835% | 3,730 |
| Pretax return on assets | 0.5835% | 4,239 |
| Return on Equity (ROE) | 5.0063% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.3783% | 3,415 |
| Net charge-offs to loans | 0.8093% | 2,345 |
| Credit loss provision to net charge-offs | 13.3588% | 6,605 |
| Earnings coverage of net charge-offs (x) | 1.0725% | 4,984 |
| Efficiency ratio | 81.8234% | 2,602 |
| Assets per employee ($millions) | 2.6327% | 6,982 |
| Cash dividends to net income (ytd only)* | 32.5193% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6391% | 2,852 |
| Loan loss allowance to noncurrent loans | 85.6805% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 2.0442% | 3,293 |
| Noncurrent loans to loans | 1.9130% | 3,760 |
| Net loans and leases to total assets | 75.0121% | 2,243 |
| Net loans and leases to deposits | 97.9131% | 1,342 |
| Net loans and leases to core deposits | 113.4446% | 2,889 |
| Total domestic deposits to total assets | 76.6108% | 6,444 |
| Equity capital to assets | 11.4641% | 2,624 |
| Core capital (leverage) ratio | 8.1435% | 6,113 |
| Tier 1 risk-based capital ratio | 10.5766% | 6,379 |
| Total risk-based capital ratio | 11.8313% | 6,337 |
| Memoranda: | ||
| Average total assets | $56,213,500 | 6,534 |
| Average earning assets | $49,636,250 | 6,589 |
| Average equity | $6,551,500 | 6,464 |
| Average total loans | $43,161,500 | 6,016 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5566% | 719 |
| Cost of funding earning assets | 2.6586% | 1,143 |
| Net interest margin | 3.8980% | 3,120 |
| Noninterest income to average assets | 0.6074% | 3,633 |
| Noninterest expense to average assets | 3.4900% | 2,367 |
| Loan and lease loss provision to assets | 0.0935% | 6,234 |
| Net operating income to assets | 0.4493% | 4,292 |
| Return on assets (ROA) | 0.4493% | 4,398 |
| Pretax return on assets | 0.4493% | 4,791 |
| Return on Equity (ROE) | 3.8332% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.2199% | 3,529 |
| Net charge-offs to loans | 1.3076% | 1,410 |
| Credit loss provision to net charge-offs | 9.2857% | 6,193 |
| Earnings coverage of net charge-offs (x) | 0.5393% | 5,171 |
| Efficiency ratio | 84.3137% | 2,444 |
| Assets per employee ($millions) | 2.5915% | 7,073 |
| Cash dividends to net income (ytd only)* | 16.0000% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 2,693 |
| Loan loss allowance to noncurrent loans | 657.5472% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 5,421 |
| Noncurrent loans to loans | 0.2449% | 6,899 |
| Net loans and leases to total assets | 74.6948% | 2,519 |
| Net loans and leases to deposits | 98.9727% | 1,394 |
| Net loans and leases to core deposits | 114.2148% | 2,883 |
| Total domestic deposits to total assets | 75.4701% | 6,665 |
| Equity capital to assets | 11.2538% | 2,712 |
| Core capital (leverage) ratio | 8.0857% | 6,187 |
| Tier 1 risk-based capital ratio | 10.6055% | 6,282 |
| Total risk-based capital ratio | 11.8605% | 6,216 |
| Memoranda: | ||
| Average total assets | $55,644,670 | 6,612 |
| Average earning assets | $48,897,330 | 6,678 |
| Average equity | $6,522,000 | 6,524 |
| Average total loans | $42,825,000 | 6,073 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6250% | 677 |
| Cost of funding earning assets | 2.7904% | 1,004 |
| Net interest margin | 3.8347% | 3,320 |
| Noninterest income to average assets | 0.5895% | 3,630 |
| Noninterest expense to average assets | 3.4206% | 2,297 |
| Loan and lease loss provision to assets | 0.1092% | 5,573 |
| Net operating income to assets | 0.4003% | 4,860 |
| Return on assets (ROA) | 0.4003% | 5,041 |
| Pretax return on assets | 0.4003% | 5,397 |
| Return on Equity (ROE) | 3.3460% | 5,231 |
| Retained earnings to average equity (ytd only) | 3.0418% | 4,185 |
| Net charge-offs to loans | 2.5354% | 549 |
| Credit loss provision to net charge-offs | 5.5556% | 5,224 |
| Earnings coverage of net charge-offs (x) | 0.2593% | 4,765 |
| Efficiency ratio | 84.6296% | 2,237 |
| Assets per employee ($millions) | 2.4549% | 7,368 |
| Cash dividends to net income (ytd only)* | 9.0909% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 2,340 |
| Loan loss allowance to noncurrent loans | 3,314.2857% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 5,546 |
| Noncurrent loans to loans | 0.0496% | 7,397 |
| Net loans and leases to total assets | 73.8125% | 2,802 |
| Net loans and leases to deposits | 96.0896% | 1,928 |
| Net loans and leases to core deposits | 109.9573% | 3,441 |
| Total domestic deposits to total assets | 76.8163% | 6,331 |
| Equity capital to assets | 11.6539% | 2,477 |
| Core capital (leverage) ratio | 8.1371% | 6,211 |
| Tier 1 risk-based capital ratio | 10.6252% | 6,265 |
| Total risk-based capital ratio | 11.8810% | 6,180 |
| Memoranda: | ||
| Average total assets | $54,961,000 | 6,669 |
| Average earning assets | $47,879,000 | 6,750 |
| Average equity | $6,575,000 | 6,559 |
| Average total loans | $42,596,500 | 6,109 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3795% | 514 |
| Cost of funding earning assets | 3.4482% | 607 |
| Net interest margin | 3.9313% | 3,441 |
| Noninterest income to average assets | 0.7294% | 2,914 |
| Noninterest expense to average assets | 3.5728% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5882% | 4,358 |
| Return on assets (ROA) | -0.3077% | 6,608 |
| Pretax return on assets | -0.3077% | 6,472 |
| Return on Equity (ROE) | -2.5950% | 6,575 |
| Retained earnings to average equity (ytd only) | -3.2819% | 6,172 |
| Net charge-offs to loans | 0.5087% | 2,319 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1.5258% | 5,338 |
| Efficiency ratio | 83.6451% | 2,099 |
| Assets per employee ($millions) | 2.3243% | 7,525 |
| Cash dividends to net income (ytd only)* | -26.4706% | 7,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2209% | 927 |
| Loan loss allowance to noncurrent loans | 306.7742% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 1.2233% | 3,780 |
| Noncurrent loans to loans | 0.7239% | 5,225 |
| Net loans and leases to total assets | 78.3202% | 2,043 |
| Net loans and leases to deposits | 101.5597% | 1,632 |
| Net loans and leases to core deposits | 115.2015% | 3,215 |
| Total domestic deposits to total assets | 77.1175% | 5,964 |
| Equity capital to assets | 12.2896% | 2,117 |
| Core capital (leverage) ratio | 7.9880% | 6,515 |
| Tier 1 risk-based capital ratio | 10.6231% | 6,073 |
| Total risk-based capital ratio | 11.8873% | 5,962 |
| Memoranda: | ||
| Average total assets | $55,251,000 | 6,564 |
| Average earning assets | $48,228,200 | 6,661 |
| Average equity | $6,551,000 | 6,625 |
| Average total loans | $41,869,000 | 6,080 |