Home > First Federal Savings Bank of Champaign Urbana > Performance and Condition Ratios
First Federal Savings Bank of Champaign Urbana, 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 | 4.3116% | 3,421 |
| Cost of funding earning assets | 0.0253% | 4,507 |
| Net interest margin | 4.2863% | 830 |
| Noninterest income to average assets | 1.5800% | 366 |
| Noninterest expense to average assets | 3.9138% | 391 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2868% | 1,454 |
| Return on assets (ROA) | 1.2868% | 1,430 |
| Pretax return on assets | 1.7049% | 1,056 |
| Return on Equity (ROE) | 13.1000% | 1,702 |
| Retained earnings to average equity (ytd only) | 6.3807% | 2,098 |
| Net charge-offs to loans | 0.0021% | 2,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,755.0000% | 92 |
| Efficiency ratio | 69.5180% | 1,953 |
| Assets per employee ($millions) | 3.6756% | 4,246 |
| Cash dividends to net income (ytd only)* | 51.2918% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,404 |
| Loan loss allowance to noncurrent loans | 928.0000% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,068 |
| Noncurrent loans to loans | 0.1058% | 3,011 |
| Net loans and leases to total assets | 48.9900% | 3,662 |
| Net loans and leases to deposits | 55.8570% | 3,716 |
| Net loans and leases to core deposits | 56.2432% | 3,904 |
| Total domestic deposits to total assets | 87.7000% | 1,450 |
| Equity capital to assets | 10.8801% | 1,539 |
| Core capital (leverage) ratio | 10.6251% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $204,530,600 | 2,961 |
| Average earning assets | $193,362,000 | 2,923 |
| Average equity | $20,091,800 | 2,848 |
| Average total loans | $93,952,600 | 3,242 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 3,612 |
| Cost of funding earning assets | 0.0258% | 4,538 |
| Net interest margin | 4.0995% | 1,070 |
| Noninterest income to average assets | 1.6600% | 352 |
| Noninterest expense to average assets | 3.8669% | 388 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2404% | 1,674 |
| Return on assets (ROA) | 1.2404% | 1,668 |
| Pretax return on assets | 1.6464% | 1,270 |
| Return on Equity (ROE) | 12.9500% | 1,907 |
| Retained earnings to average equity (ytd only) | 3.9097% | 3,280 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.8124% | 1,806 |
| Assets per employee ($millions) | 3.7017% | 4,271 |
| Cash dividends to net income (ytd only)* | 69.8035% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,325 |
| Loan loss allowance to noncurrent loans | 932.6923% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 2,979 |
| Noncurrent loans to loans | 0.1079% | 3,033 |
| Net loans and leases to total assets | 49.5600% | 3,651 |
| Net loans and leases to deposits | 56.2906% | 3,701 |
| Net loans and leases to core deposits | 56.6755% | 3,825 |
| Total domestic deposits to total assets | 88.0500% | 1,555 |
| Equity capital to assets | 10.3779% | 1,609 |
| Core capital (leverage) ratio | 10.1045% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $207,881,000 | 2,940 |
| Average earning assets | $196,702,000 | 2,901 |
| Average equity | $19,916,000 | 2,855 |
| Average total loans | $93,800,750 | 3,248 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,775 |
| Cost of funding earning assets | 0.0258% | 4,559 |
| Net interest margin | 3.9316% | 1,365 |
| Noninterest income to average assets | 1.6200% | 299 |
| Noninterest expense to average assets | 3.7923% | 406 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1671% | 1,918 |
| Return on assets (ROA) | 1.1671% | 1,915 |
| Pretax return on assets | 1.5530% | 1,494 |
| Return on Equity (ROE) | 12.4900% | 2,012 |
| Retained earnings to average equity (ytd only) | 8.9767% | 1,692 |
| Net charge-offs to loans | 0.0022% | 2,290 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,654.0000% | 81 |
| Efficiency ratio | 70.9468% | 1,677 |
| Assets per employee ($millions) | 3.8143% | 4,253 |
| Cash dividends to net income (ytd only)* | 28.1577% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,410 |
| Loan loss allowance to noncurrent loans | 1,658.9286% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 2,873 |
| Noncurrent loans to loans | 0.0604% | 3,267 |
| Net loans and leases to total assets | 45.4100% | 3,827 |
| Net loans and leases to deposits | 51.3142% | 3,866 |
| Net loans and leases to core deposits | 51.6462% | 3,969 |
| Total domestic deposits to total assets | 88.4900% | 1,431 |
| Equity capital to assets | 10.0341% | 1,837 |
| Core capital (leverage) ratio | 9.6022% | 3,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $213,012,667 | 2,911 |
| Average earning assets | $201,749,333 | 2,879 |
| Average equity | $19,896,000 | 2,878 |
| Average total loans | $92,944,667 | 3,255 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 3,994 |
| Cost of funding earning assets | 0.0289% | 4,600 |
| Net interest margin | 3.6920% | 1,914 |
| Noninterest income to average assets | 1.5800% | 310 |
| Noninterest expense to average assets | 3.7081% | 440 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0438% | 2,406 |
| Return on assets (ROA) | 1.0438% | 2,371 |
| Pretax return on assets | 1.3789% | 1,939 |
| Return on Equity (ROE) | 11.5700% | 2,333 |
| Retained earnings to average equity (ytd only) | 11.5727% | 1,346 |
| Net charge-offs to loans | 0.0043% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 753.0000% | 149 |
| Efficiency ratio | 72.8942% | 1,451 |
| Assets per employee ($millions) | 4.0395% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,530 |
| Loan loss allowance to noncurrent loans | 1,574.5763% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 2,691 |
| Noncurrent loans to loans | 0.0634% | 3,282 |
| Net loans and leases to total assets | 42.2600% | 3,942 |
| Net loans and leases to deposits | 47.2517% | 3,987 |
| Net loans and leases to core deposits | 47.6385% | 4,060 |
| Total domestic deposits to total assets | 89.4300% | 1,364 |
| Equity capital to assets | 9.1513% | 2,408 |
| Core capital (leverage) ratio | 9.0407% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $218,439,000 | 2,920 |
| Average earning assets | $207,368,500 | 2,882 |
| Average equity | $19,701,500 | 2,918 |
| Average total loans | $93,054,500 | 3,291 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6927% | 4,407 |
| Cost of funding earning assets | 0.0303% | 4,608 |
| Net interest margin | 2.6624% | 4,099 |
| Noninterest income to average assets | 1.5700% | 329 |
| Noninterest expense to average assets | 3.3075% | 620 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5677% | 3,950 |
| Return on assets (ROA) | 0.5677% | 3,913 |
| Pretax return on assets | 0.7735% | 3,686 |
| Return on Equity (ROE) | 6.8300% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.1368% | 3,352 |
| Net charge-offs to loans | 0.0066% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 288.1667% | 504 |
| Efficiency ratio | 81.0458% | 649 |
| Assets per employee ($millions) | 4.2067% | 4,199 |
| Cash dividends to net income (ytd only)* | 39.4011% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 3,684 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 2,502 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 42.1300% | 3,970 |
| Net loans and leases to deposits | 46.8810% | 4,015 |
| Net loans and leases to core deposits | 47.2617% | 4,080 |
| Total domestic deposits to total assets | 89.8600% | 1,429 |
| Equity capital to assets | 8.8875% | 2,426 |
| Core capital (leverage) ratio | 8.7981% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7056% | 382 |
| Memoranda: | ||
| Average total assets | $223,524,400 | 2,884 |
| Average earning assets | $211,016,400 | 2,855 |
| Average equity | $18,589,200 | 3,069 |
| Average total loans | $91,506,800 | 3,271 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1372% | 4,592 |
| Cost of funding earning assets | 0.0299% | 4,691 |
| Net interest margin | 2.1072% | 4,510 |
| Noninterest income to average assets | 1.6932% | 283 |
| Noninterest expense to average assets | 3.2853% | 560 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2883% | 4,311 |
| Return on assets (ROA) | 0.2883% | 4,260 |
| Pretax return on assets | 0.4062% | 4,148 |
| Return on Equity (ROE) | 3.5418% | 4,125 |
| Retained earnings to average equity (ytd only) | 3.5418% | 3,257 |
| Net charge-offs to loans | 0.0066% | 1,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 152.6667% | 635 |
| Efficiency ratio | 88.9957% | 455 |
| Assets per employee ($millions) | 4.0983% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,778 |
| Loan loss allowance to noncurrent loans | 2,880.0000% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 2,073 |
| Noncurrent loans to loans | 0.0331% | 3,701 |
| Net loans and leases to total assets | 41.2712% | 4,021 |
| Net loans and leases to deposits | 45.9443% | 4,031 |
| Net loans and leases to core deposits | 46.3198% | 4,112 |
| Total domestic deposits to total assets | 89.8288% | 1,783 |
| Equity capital to assets | 8.5299% | 2,738 |
| Core capital (leverage) ratio | 8.1987% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6760% | 385 |
| Memoranda: | ||
| Average total assets | $225,488,000 | 2,912 |
| Average earning assets | $213,835,000 | 2,888 |
| Average equity | $18,352,000 | 3,200 |
| Average total loans | $90,230,333 | 3,321 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9218% | 4,635 |
| Cost of funding earning assets | 0.0294% | 4,709 |
| Net interest margin | 1.8924% | 4,581 |
| Noninterest income to average assets | 1.7263% | 293 |
| Noninterest expense to average assets | 3.2157% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2125% | 4,309 |
| Return on assets (ROA) | 0.2125% | 4,275 |
| Pretax return on assets | 0.3048% | 4,182 |
| Return on Equity (ROE) | 2.6719% | 4,157 |
| Retained earnings to average equity (ytd only) | 2.6719% | 3,370 |
| Net charge-offs to loans | 0.0178% | 1,175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 973 |
| Efficiency ratio | 91.3409% | 493 |
| Assets per employee ($millions) | 4.3266% | 4,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 3,924 |
| Loan loss allowance to noncurrent loans | 2,876.6667% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 2,097 |
| Noncurrent loans to loans | 0.0327% | 3,749 |
| Net loans and leases to total assets | 39.6349% | 4,038 |
| Net loans and leases to deposits | 43.8288% | 4,073 |
| Net loans and leases to core deposits | 44.1657% | 4,156 |
| Total domestic deposits to total assets | 90.4312% | 1,327 |
| Equity capital to assets | 7.9914% | 3,579 |
| Core capital (leverage) ratio | 8.2650% | 4,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0089% | 432 |
| Memoranda: | ||
| Average total assets | $229,626,000 | 2,900 |
| Average earning assets | $217,714,500 | 2,877 |
| Average equity | $18,264,000 | 3,302 |
| Average total loans | $90,090,500 | 3,330 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1963% | 4,625 |
| Cost of funding earning assets | 0.0345% | 4,744 |
| Net interest margin | 2.1618% | 4,506 |
| Noninterest income to average assets | 1.9432% | 334 |
| Noninterest expense to average assets | 3.5863% | 435 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2607% | 4,464 |
| Return on assets (ROA) | 0.2607% | 4,484 |
| Pretax return on assets | 0.3857% | 4,410 |
| Return on Equity (ROE) | 3.1331% | 4,338 |
| Retained earnings to average equity (ytd only) | 3.1331% | 3,576 |
| Net charge-offs to loans | 0.1375% | 677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 6.7724% | 2,383 |
| Efficiency ratio | 90.2902% | 321 |
| Assets per employee ($millions) | 4.3386% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 3,825 |
| Loan loss allowance to noncurrent loans | 2,890.0000% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 1,983 |
| Noncurrent loans to loans | 0.0339% | 3,834 |
| Net loans and leases to total assets | 38.0810% | 4,188 |
| Net loans and leases to deposits | 42.0628% | 4,269 |
| Net loans and leases to core deposits | 42.3844% | 4,333 |
| Total domestic deposits to total assets | 90.5338% | 702 |
| Equity capital to assets | 7.9163% | 4,409 |
| Core capital (leverage) ratio | 8.5983% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0419% | 397 |
| Memoranda: | ||
| Average total assets | $215,987,200 | 2,942 |
| Average earning assets | $202,701,200 | 2,934 |
| Average equity | $17,969,200 | 3,388 |
| Average total loans | $89,457,400 | 3,342 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2730% | 4,683 |
| Cost of funding earning assets | 0.0355% | 4,829 |
| Net interest margin | 2.2375% | 4,541 |
| Noninterest income to average assets | 2.0417% | 336 |
| Noninterest expense to average assets | 3.7333% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2767% | 4,551 |
| Return on assets (ROA) | 0.2767% | 4,575 |
| Pretax return on assets | 0.4028% | 4,488 |
| Return on Equity (ROE) | 3.2829% | 4,421 |
| Retained earnings to average equity (ytd only) | 3.2829% | 3,805 |
| Net charge-offs to loans | 0.2096% | 394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 4.5532% | 2,261 |
| Efficiency ratio | 90.2609% | 313 |
| Assets per employee ($millions) | 3.9663% | 4,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 3,925 |
| Loan loss allowance to noncurrent loans | 786.1111% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 711 |
| Noncurrent loans to loans | 0.1242% | 3,476 |
| Net loans and leases to total assets | 40.9610% | 4,151 |
| Net loans and leases to deposits | 45.7004% | 4,243 |
| Net loans and leases to core deposits | 46.0866% | 4,319 |
| Total domestic deposits to total assets | 89.6295% | 948 |
| Equity capital to assets | 8.5856% | 4,148 |
| Core capital (leverage) ratio | 8.6479% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,498,000 | 2,995 |
| Average earning assets | $198,910,000 | 2,995 |
| Average equity | $17,910,750 | 3,433 |
| Average total loans | $89,713,750 | 3,382 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2944% | 4,728 |
| Cost of funding earning assets | 0.0351% | 4,868 |
| Net interest margin | 2.2593% | 4,554 |
| Noninterest income to average assets | 2.1636% | 300 |
| Noninterest expense to average assets | 3.6960% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4051% | 4,372 |
| Return on assets (ROA) | 0.4051% | 4,413 |
| Pretax return on assets | 0.5814% | 4,268 |
| Return on Equity (ROE) | 4.8363% | 4,160 |
| Retained earnings to average equity (ytd only) | 4.8363% | 3,251 |
| Net charge-offs to loans | 0.3133% | 273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.3662% | 2,033 |
| Efficiency ratio | 86.4065% | 456 |
| Assets per employee ($millions) | 3.9910% | 4,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,962 |
| Loan loss allowance to noncurrent loans | 2,735.4839% | 331 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 649 |
| Noncurrent loans to loans | 0.0351% | 4,022 |
| Net loans and leases to total assets | 41.2976% | 4,220 |
| Net loans and leases to deposits | 46.0342% | 4,308 |
| Net loans and leases to core deposits | 46.4824% | 4,380 |
| Total domestic deposits to total assets | 89.7108% | 918 |
| Equity capital to assets | 8.5282% | 4,185 |
| Core capital (leverage) ratio | 8.1655% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,260,000 | 2,991 |
| Average earning assets | $199,527,667 | 2,984 |
| Average equity | $17,865,000 | 3,441 |
| Average total loans | $90,633,667 | 3,388 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4150% | 4,707 |
| Cost of funding earning assets | 0.0340% | 4,909 |
| Net interest margin | 2.3810% | 4,435 |
| Noninterest income to average assets | 2.2005% | 319 |
| Noninterest expense to average assets | 3.5175% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6389% | 3,841 |
| Return on assets (ROA) | 0.6389% | 3,907 |
| Pretax return on assets | 0.9079% | 3,583 |
| Return on Equity (ROE) | 7.6949% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.6949% | 2,350 |
| Net charge-offs to loans | 0.6228% | 130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.3986% | 1,767 |
| Efficiency ratio | 79.4850% | 852 |
| Assets per employee ($millions) | 3.9427% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 4,063 |
| Loan loss allowance to noncurrent loans | 2,646.8750% | 302 |
| Noncurrent assets plus other real estate owned to assets | 1.5587% | 389 |
| Noncurrent loans to loans | 0.0353% | 4,107 |
| Net loans and leases to total assets | 39.9669% | 4,345 |
| Net loans and leases to deposits | 45.1643% | 4,387 |
| Net loans and leases to core deposits | 45.4247% | 4,457 |
| Total domestic deposits to total assets | 88.4923% | 1,610 |
| Equity capital to assets | 7.9867% | 4,501 |
| Core capital (leverage) ratio | 8.5250% | 4,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,128,500 | 2,977 |
| Average earning assets | $200,080,000 | 2,972 |
| Average equity | $17,778,000 | 3,446 |
| Average total loans | $91,849,500 | 3,382 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7634% | 4,765 |
| Cost of funding earning assets | 0.0387% | 4,952 |
| Net interest margin | 2.7247% | 4,352 |
| Noninterest income to average assets | 2.2732% | 280 |
| Noninterest expense to average assets | 3.7511% | 493 |
| Loan and lease loss provision to assets | 0.0263% | 4,070 |
| Net operating income to assets | 0.7348% | 3,319 |
| Return on assets (ROA) | 0.7348% | 3,439 |
| Pretax return on assets | 1.0494% | 2,883 |
| Return on Equity (ROE) | 7.7727% | 2,900 |
| Retained earnings to average equity (ytd only) | 2.2168% | 3,742 |
| Net charge-offs to loans | 0.0042% | 3,215 |
| Credit loss provision to net charge-offs | 1,250.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 512.0000% | 229 |
| Efficiency ratio | 77.7149% | 1,056 |
| Assets per employee ($millions) | 3.5705% | 4,624 |
| Cash dividends to net income (ytd only)* | 71.4796% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,624 |
| Loan loss allowance to noncurrent loans | 39.8711% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.5895% | 442 |
| Noncurrent loans to loans | 2.6690% | 361 |
| Net loans and leases to total assets | 45.2248% | 4,179 |
| Net loans and leases to deposits | 51.6449% | 4,235 |
| Net loans and leases to core deposits | 51.9032% | 4,345 |
| Total domestic deposits to total assets | 87.5689% | 1,674 |
| Equity capital to assets | 8.6512% | 4,337 |
| Core capital (leverage) ratio | 8.9242% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,395,000 | 3,026 |
| Average earning assets | $178,441,800 | 3,014 |
| Average equity | $17,998,800 | 3,365 |
| Average total loans | $96,161,400 | 3,294 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9083% | 4,790 |
| Cost of funding earning assets | 0.0410% | 4,992 |
| Net interest margin | 2.8673% | 4,236 |
| Noninterest income to average assets | 2.3144% | 269 |
| Noninterest expense to average assets | 3.8272% | 448 |
| Loan and lease loss provision to assets | 0.0358% | 3,895 |
| Net operating income to assets | 0.8045% | 3,071 |
| Return on assets (ROA) | 0.8045% | 3,192 |
| Pretax return on assets | 1.1429% | 2,588 |
| Return on Equity (ROE) | 8.3180% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.3180% | 1,203 |
| Net charge-offs to loans | 0.0055% | 2,942 |
| Credit loss provision to net charge-offs | 1,250.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 413.5000% | 279 |
| Efficiency ratio | 76.4555% | 1,167 |
| Assets per employee ($millions) | 3.6851% | 4,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,497 |
| Loan loss allowance to noncurrent loans | 38.8998% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.7543% | 442 |
| Noncurrent loans to loans | 2.6856% | 379 |
| Net loans and leases to total assets | 47.1240% | 4,260 |
| Net loans and leases to deposits | 54.2071% | 4,330 |
| Net loans and leases to core deposits | 54.4075% | 4,435 |
| Total domestic deposits to total assets | 86.9333% | 1,693 |
| Equity capital to assets | 9.3968% | 3,768 |
| Core capital (leverage) ratio | 9.3720% | 3,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,113,500 | 3,036 |
| Average earning assets | $175,629,500 | 3,019 |
| Average equity | $18,096,750 | 3,358 |
| Average total loans | $96,943,750 | 3,290 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0059% | 4,840 |
| Cost of funding earning assets | 0.0442% | 5,031 |
| Net interest margin | 2.9617% | 4,208 |
| Noninterest income to average assets | 2.1501% | 269 |
| Noninterest expense to average assets | 3.9158% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7163% | 3,337 |
| Return on assets (ROA) | 0.7163% | 3,449 |
| Pretax return on assets | 1.0177% | 2,976 |
| Return on Equity (ROE) | 7.3312% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.3312% | 1,527 |
| Net charge-offs to loans | 0.0102% | 2,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 186.4000% | 477 |
| Efficiency ratio | 79.3714% | 935 |
| Assets per employee ($millions) | 3.3014% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 3,903 |
| Loan loss allowance to noncurrent loans | 27.3283% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 1.7659% | 462 |
| Noncurrent loans to loans | 3.3847% | 246 |
| Net loans and leases to total assets | 50.7752% | 4,117 |
| Net loans and leases to deposits | 58.3320% | 4,202 |
| Net loans and leases to core deposits | 58.5479% | 4,326 |
| Total domestic deposits to total assets | 87.0452% | 1,598 |
| Equity capital to assets | 9.2013% | 3,923 |
| Core capital (leverage) ratio | 9.3912% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,153,333 | 3,048 |
| Average earning assets | $172,128,667 | 3,032 |
| Average equity | $17,896,000 | 3,374 |
| Average total loans | $97,670,333 | 3,273 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3185% | 4,797 |
| Cost of funding earning assets | 0.0510% | 5,079 |
| Net interest margin | 3.2675% | 3,671 |
| Noninterest income to average assets | 2.1993% | 238 |
| Noninterest expense to average assets | 4.2256% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7331% | 3,155 |
| Return on assets (ROA) | 0.7331% | 3,241 |
| Pretax return on assets | 1.0359% | 2,716 |
| Return on Equity (ROE) | 7.2641% | 2,847 |
| Retained earnings to average equity (ytd only) | 7.2641% | 1,456 |
| Net charge-offs to loans | 0.0251% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 75.8333% | 693 |
| Efficiency ratio | 80.3116% | 1,109 |
| Assets per employee ($millions) | 2.9805% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,786 |
| Loan loss allowance to noncurrent loans | 27.2992% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.9879% | 423 |
| Noncurrent loans to loans | 3.6081% | 249 |
| Net loans and leases to total assets | 52.7278% | 4,076 |
| Net loans and leases to deposits | 59.8429% | 4,205 |
| Net loans and leases to core deposits | 60.0854% | 4,352 |
| Total domestic deposits to total assets | 88.1104% | 1,066 |
| Equity capital to assets | 10.0051% | 3,779 |
| Core capital (leverage) ratio | 10.0895% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,689,500 | 3,077 |
| Average earning assets | $164,652,000 | 3,066 |
| Average equity | $17,731,000 | 3,400 |
| Average total loans | $95,748,000 | 3,286 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 4,484 |
| Cost of funding earning assets | 0.0704% | 5,132 |
| Net interest margin | 3.7977% | 2,504 |
| Noninterest income to average assets | 2.0624% | 244 |
| Noninterest expense to average assets | 4.2444% | 400 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9550% | 2,999 |
| Return on assets (ROA) | 0.9550% | 3,080 |
| Pretax return on assets | 1.3619% | 2,288 |
| Return on Equity (ROE) | 9.1844% | 2,671 |
| Retained earnings to average equity (ytd only) | 3.5463% | 3,226 |
| Net charge-offs to loans | 0.0010% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2,323.0000% | 25 |
| Efficiency ratio | 75.7085% | 1,399 |
| Assets per employee ($millions) | 2.7831% | 4,916 |
| Cash dividends to net income (ytd only)* | 61.3874% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 3,607 |
| Loan loss allowance to noncurrent loans | 26.2660% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 2.2538% | 314 |
| Noncurrent loans to loans | 3.7334% | 205 |
| Net loans and leases to total assets | 55.2428% | 3,975 |
| Net loans and leases to deposits | 62.9064% | 4,143 |
| Net loans and leases to core deposits | 63.1711% | 4,317 |
| Total domestic deposits to total assets | 87.8175% | 1,220 |
| Equity capital to assets | 10.1825% | 3,749 |
| Core capital (leverage) ratio | 10.2576% | 3,232 |
| Tier 1 risk-based capital ratio | 21.0501% | 1,157 |
| Total risk-based capital ratio | 22.2365% | 1,140 |
| Memoranda: | ||
| Average total assets | $170,576,000 | 3,106 |
| Average earning assets | $159,176,800 | 3,090 |
| Average equity | $17,736,600 | 3,364 |
| Average total loans | $99,182,200 | 3,238 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 4,446 |
| Cost of funding earning assets | 0.0697% | 5,209 |
| Net interest margin | 3.8877% | 2,301 |
| Noninterest income to average assets | 2.2028% | 228 |
| Noninterest expense to average assets | 4.2449% | 390 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1179% | 2,501 |
| Return on assets (ROA) | 1.1179% | 2,591 |
| Pretax return on assets | 1.5859% | 1,683 |
| Return on Equity (ROE) | 10.6945% | 2,141 |
| Retained earnings to average equity (ytd only) | 3.1949% | 3,807 |
| Net charge-offs to loans | 0.0027% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,010.2135% | 90 |
| Efficiency ratio | 72.8018% | 1,727 |
| Assets per employee ($millions) | 2.8417% | 4,958 |
| Cash dividends to net income (ytd only)* | 70.1261% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 3,749 |
| Loan loss allowance to noncurrent loans | 26.2382% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.3649% | 313 |
| Noncurrent loans to loans | 3.6869% | 203 |
| Net loans and leases to total assets | 57.5791% | 3,915 |
| Net loans and leases to deposits | 65.7110% | 4,085 |
| Net loans and leases to core deposits | 65.8239% | 4,286 |
| Total domestic deposits to total assets | 87.6248% | 1,206 |
| Equity capital to assets | 10.5495% | 3,504 |
| Core capital (leverage) ratio | 10.1842% | 3,441 |
| Tier 1 risk-based capital ratio | 20.6767% | 1,238 |
| Total risk-based capital ratio | 21.8546% | 1,231 |
| Memoranda: | ||
| Average total assets | $170,082,250 | 3,145 |
| Average earning assets | $158,717,500 | 3,123 |
| Average equity | $17,778,250 | 3,385 |
| Average total loans | $99,911,250 | 3,268 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 4,396 |
| Cost of funding earning assets | 0.0690% | 5,254 |
| Net interest margin | 3.9231% | 2,176 |
| Noninterest income to average assets | 2.2599% | 220 |
| Noninterest expense to average assets | 4.1898% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2230% | 2,062 |
| Return on assets (ROA) | 1.2230% | 2,121 |
| Pretax return on assets | 1.7298% | 1,215 |
| Return on Equity (ROE) | 11.7359% | 1,684 |
| Retained earnings to average equity (ytd only) | 11.7359% | 439 |
| Net charge-offs to loans | 0.0040% | 3,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 739.0000% | 109 |
| Efficiency ratio | 70.7790% | 2,102 |
| Assets per employee ($millions) | 3.0617% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,916 |
| Loan loss allowance to noncurrent loans | 85.1852% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8894% | 1,575 |
| Noncurrent loans to loans | 1.1035% | 1,481 |
| Net loans and leases to total assets | 57.9586% | 3,919 |
| Net loans and leases to deposits | 66.3666% | 4,076 |
| Net loans and leases to core deposits | 66.5903% | 4,285 |
| Total domestic deposits to total assets | 87.3309% | 1,418 |
| Equity capital to assets | 10.6767% | 3,361 |
| Core capital (leverage) ratio | 10.3143% | 3,272 |
| Tier 1 risk-based capital ratio | 21.6384% | 1,100 |
| Total risk-based capital ratio | 22.8283% | 1,086 |
| Memoranda: | ||
| Average total assets | $170,890,330 | 3,153 |
| Average earning assets | $159,415,670 | 3,137 |
| Average equity | $17,808,670 | 3,381 |
| Average total loans | $100,722,000 | 3,278 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 4,507 |
| Cost of funding earning assets | 0.0678% | 5,317 |
| Net interest margin | 3.8590% | 2,317 |
| Noninterest income to average assets | 2.6095% | 178 |
| Noninterest expense to average assets | 4.2296% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4021% | 1,370 |
| Return on assets (ROA) | 1.4021% | 1,403 |
| Pretax return on assets | 1.9835% | 662 |
| Return on Equity (ROE) | 13.6219% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.6219% | 387 |
| Net charge-offs to loans | 0.0159% | 2,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 211.5000% | 365 |
| Efficiency ratio | 68.0755% | 2,627 |
| Assets per employee ($millions) | 2.8983% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,044 |
| Loan loss allowance to noncurrent loans | 100.4269% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 1,810 |
| Noncurrent loans to loans | 0.9238% | 1,808 |
| Net loans and leases to total assets | 57.7850% | 3,911 |
| Net loans and leases to deposits | 65.7724% | 4,070 |
| Net loans and leases to core deposits | 65.9896% | 4,279 |
| Total domestic deposits to total assets | 87.8561% | 1,411 |
| Equity capital to assets | 10.2698% | 3,555 |
| Core capital (leverage) ratio | 10.1914% | 3,395 |
| Tier 1 risk-based capital ratio | 21.0635% | 1,157 |
| Total risk-based capital ratio | 22.2491% | 1,145 |
| Memoranda: | ||
| Average total assets | $170,607,000 | 3,190 |
| Average earning assets | $159,314,500 | 3,175 |
| Average equity | $17,560,000 | 3,406 |
| Average total loans | $100,924,500 | 3,307 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7326% | 4,618 |
| Cost of funding earning assets | 0.0753% | 5,339 |
| Net interest margin | 3.6573% | 3,200 |
| Noninterest income to average assets | 1.8719% | 296 |
| Noninterest expense to average assets | 4.3574% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6439% | 4,302 |
| Return on assets (ROA) | 0.6439% | 4,308 |
| Pretax return on assets | 0.9284% | 3,819 |
| Return on Equity (ROE) | 6.5317% | 3,995 |
| Retained earnings to average equity (ytd only) | 2.7034% | 4,049 |
| Net charge-offs to loans | -0.0019% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4363% | 756 |
| Assets per employee ($millions) | 2.6986% | 5,141 |
| Cash dividends to net income (ytd only)* | 58.6114% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,990 |
| Loan loss allowance to noncurrent loans | 101.3948% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9049% | 1,532 |
| Noncurrent loans to loans | 0.9281% | 1,732 |
| Net loans and leases to total assets | 59.4540% | 3,824 |
| Net loans and leases to deposits | 67.6197% | 4,003 |
| Net loans and leases to core deposits | 67.8517% | 4,243 |
| Total domestic deposits to total assets | 87.9240% | 1,332 |
| Equity capital to assets | 10.3164% | 3,358 |
| Core capital (leverage) ratio | 10.1267% | 3,426 |
| Tier 1 risk-based capital ratio | 20.5105% | 1,224 |
| Total risk-based capital ratio | 21.7109% | 1,212 |
| Memoranda: | ||
| Average total assets | $172,235,000 | 3,149 |
| Average earning assets | $160,774,200 | 3,132 |
| Average equity | $16,978,800 | 3,394 |
| Average total loans | $102,864,000 | 3,245 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 4,677 |
| Cost of funding earning assets | 0.0757% | 5,399 |
| Net interest margin | 3.6093% | 3,337 |
| Noninterest income to average assets | 1.8877% | 303 |
| Noninterest expense to average assets | 4.4450% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5649% | 4,603 |
| Return on assets (ROA) | 0.5649% | 4,609 |
| Pretax return on assets | 0.8132% | 4,259 |
| Return on Equity (ROE) | 5.7959% | 4,323 |
| Retained earnings to average equity (ytd only) | 0.6703% | 4,918 |
| Net charge-offs to loans | 0.0013% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1,060.6241% | 78 |
| Efficiency ratio | 84.5344% | 616 |
| Assets per employee ($millions) | 2.7180% | 5,204 |
| Cash dividends to net income (ytd only)* | 88.4355% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,180 |
| Loan loss allowance to noncurrent loans | 113.9057% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 1,577 |
| Noncurrent loans to loans | 0.8080% | 2,090 |
| Net loans and leases to total assets | 61.1648% | 3,732 |
| Net loans and leases to deposits | 69.5084% | 3,955 |
| Net loans and leases to core deposits | 69.7489% | 4,208 |
| Total domestic deposits to total assets | 87.9962% | 1,241 |
| Equity capital to assets | 10.2245% | 3,426 |
| Core capital (leverage) ratio | 9.7539% | 3,894 |
| Tier 1 risk-based capital ratio | 19.8910% | 1,357 |
| Total risk-based capital ratio | 21.0781% | 1,337 |
| Memoranda: | ||
| Average total assets | $173,464,750 | 3,154 |
| Average earning assets | $161,983,250 | 3,143 |
| Average equity | $16,908,250 | 3,426 |
| Average total loans | $103,474,750 | 3,269 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5930% | 4,777 |
| Cost of funding earning assets | 0.0754% | 5,453 |
| Net interest margin | 3.5176% | 3,575 |
| Noninterest income to average assets | 1.8702% | 301 |
| Noninterest expense to average assets | 4.3609% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5533% | 4,625 |
| Return on assets (ROA) | 0.5533% | 4,626 |
| Pretax return on assets | 0.7965% | 4,256 |
| Return on Equity (ROE) | 5.7655% | 4,321 |
| Retained earnings to average equity (ytd only) | -1.9297% | 5,140 |
| Net charge-offs to loans | 0.0058% | 2,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 233.6667% | 378 |
| Efficiency ratio | 84.5561% | 656 |
| Assets per employee ($millions) | 2.7963% | 5,220 |
| Cash dividends to net income (ytd only)* | 133.4702% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 4,337 |
| Loan loss allowance to noncurrent loans | 479.5918% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 2,568 |
| Noncurrent loans to loans | 0.1879% | 4,069 |
| Net loans and leases to total assets | 59.6279% | 3,841 |
| Net loans and leases to deposits | 67.2596% | 4,077 |
| Net loans and leases to core deposits | 67.5938% | 4,279 |
| Total domestic deposits to total assets | 88.6533% | 1,074 |
| Equity capital to assets | 9.6348% | 3,976 |
| Core capital (leverage) ratio | 9.2315% | 4,437 |
| Tier 1 risk-based capital ratio | 18.9426% | 1,558 |
| Total risk-based capital ratio | 20.0881% | 1,551 |
| Memoranda: | ||
| Average total assets | $176,020,330 | 3,135 |
| Average earning assets | $164,488,330 | 3,124 |
| Average equity | $16,893,670 | 3,452 |
| Average total loans | $103,849,000 | 3,266 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4457% | 4,959 |
| Cost of funding earning assets | 0.0772% | 5,504 |
| Net interest margin | 3.3684% | 3,995 |
| Noninterest income to average assets | 1.9330% | 280 |
| Noninterest expense to average assets | 4.2900% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5503% | 4,576 |
| Return on assets (ROA) | 0.5503% | 4,579 |
| Pretax return on assets | 0.7917% | 4,168 |
| Return on Equity (ROE) | 5.7451% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.7451% | 2,834 |
| Net charge-offs to loans | 0.0386% | 1,756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 35.1000% | 1,143 |
| Efficiency ratio | 84.4208% | 768 |
| Assets per employee ($millions) | 2.8718% | 5,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,452 |
| Loan loss allowance to noncurrent loans | 468.8442% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 2,742 |
| Noncurrent loans to loans | 0.1918% | 4,105 |
| Net loans and leases to total assets | 56.8244% | 4,044 |
| Net loans and leases to deposits | 63.9519% | 4,213 |
| Net loans and leases to core deposits | 64.2556% | 4,410 |
| Total domestic deposits to total assets | 88.8550% | 1,175 |
| Equity capital to assets | 9.4576% | 4,129 |
| Core capital (leverage) ratio | 9.5375% | 4,025 |
| Tier 1 risk-based capital ratio | 19.7299% | 1,389 |
| Total risk-based capital ratio | 20.8853% | 1,376 |
| Memoranda: | ||
| Average total assets | $177,344,500 | 3,161 |
| Average earning assets | $165,774,000 | 3,141 |
| Average equity | $16,988,500 | 3,479 |
| Average total loans | $103,614,500 | 3,293 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3564% | 5,003 |
| Cost of funding earning assets | 0.0811% | 5,547 |
| Net interest margin | 3.2753% | 4,231 |
| Noninterest income to average assets | 1.9159% | 315 |
| Noninterest expense to average assets | 4.1302% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3581% | 4,810 |
| Return on assets (ROA) | 0.3581% | 4,831 |
| Pretax return on assets | 0.8333% | 4,145 |
| Return on Equity (ROE) | 3.7345% | 4,590 |
| Retained earnings to average equity (ytd only) | 0.7986% | 4,717 |
| Net charge-offs to loans | 0.0029% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 493.3333% | 176 |
| Efficiency ratio | 83.2123% | 839 |
| Assets per employee ($millions) | 2.7582% | 5,354 |
| Cash dividends to net income (ytd only)* | 78.6164% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 4,412 |
| Loan loss allowance to noncurrent loans | 297.4763% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6520% | 2,369 |
| Noncurrent loans to loans | 0.3063% | 3,683 |
| Net loans and leases to total assets | 59.0130% | 3,921 |
| Net loans and leases to deposits | 66.5857% | 4,139 |
| Net loans and leases to core deposits | 66.9159% | 4,368 |
| Total domestic deposits to total assets | 88.6272% | 1,178 |
| Equity capital to assets | 9.7062% | 4,026 |
| Core capital (leverage) ratio | 9.4887% | 4,068 |
| Tier 1 risk-based capital ratio | 19.4236% | 1,431 |
| Total risk-based capital ratio | 20.5900% | 1,422 |
| Memoranda: | ||
| Average total assets | $177,616,800 | 3,150 |
| Average earning assets | $165,266,800 | 3,137 |
| Average equity | $17,030,600 | 3,481 |
| Average total loans | $104,119,800 | 3,279 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3225% | 5,080 |
| Cost of funding earning assets | 0.0819% | 5,613 |
| Net interest margin | 3.2406% | 4,357 |
| Noninterest income to average assets | 2.0032% | 310 |
| Noninterest expense to average assets | 4.1549% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4987% | 4,733 |
| Return on assets (ROA) | 0.4987% | 4,771 |
| Pretax return on assets | 0.8623% | 4,168 |
| Return on Equity (ROE) | 5.2170% | 4,438 |
| Retained earnings to average equity (ytd only) | 1.3121% | 4,881 |
| Net charge-offs to loans | 0.0051% | 3,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 288.9231% | 314 |
| Efficiency ratio | 82.8125% | 856 |
| Assets per employee ($millions) | 2.8939% | 5,328 |
| Cash dividends to net income (ytd only)* | 74.8507% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 4,549 |
| Loan loss allowance to noncurrent loans | 295.2978% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7291% | 2,321 |
| Noncurrent loans to loans | 0.3060% | 3,844 |
| Net loans and leases to total assets | 59.4999% | 3,920 |
| Net loans and leases to deposits | 67.1476% | 4,172 |
| Net loans and leases to core deposits | 67.4810% | 4,382 |
| Total domestic deposits to total assets | 88.6105% | 1,065 |
| Equity capital to assets | 9.8114% | 4,134 |
| Core capital (leverage) ratio | 9.3985% | 4,294 |
| Tier 1 risk-based capital ratio | 19.1878% | 1,540 |
| Total risk-based capital ratio | 20.3367% | 1,521 |
| Memoranda: | ||
| Average total assets | $178,579,750 | 3,159 |
| Average earning assets | $166,095,500 | 3,150 |
| Average equity | $17,071,750 | 3,515 |
| Average total loans | $104,278,000 | 3,303 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2166% | 5,218 |
| Cost of funding earning assets | 0.0812% | 5,651 |
| Net interest margin | 3.1354% | 4,587 |
| Noninterest income to average assets | 1.9808% | 315 |
| Noninterest expense to average assets | 4.0926% | 474 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4683% | 4,799 |
| Return on assets (ROA) | 0.4683% | 4,824 |
| Pretax return on assets | 0.8023% | 4,269 |
| Return on Equity (ROE) | 4.9404% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.9404% | 2,748 |
| Net charge-offs to loans | 0.0153% | 2,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 90.3750% | 699 |
| Efficiency ratio | 83.6092% | 874 |
| Assets per employee ($millions) | 2.7968% | 5,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 4,607 |
| Loan loss allowance to noncurrent loans | 288.6154% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 2,287 |
| Noncurrent loans to loans | 0.3148% | 3,913 |
| Net loans and leases to total assets | 58.0607% | 4,026 |
| Net loans and leases to deposits | 65.5192% | 4,258 |
| Net loans and leases to core deposits | 65.8392% | 4,479 |
| Total domestic deposits to total assets | 88.6163% | 1,151 |
| Equity capital to assets | 9.8127% | 4,118 |
| Core capital (leverage) ratio | 9.2230% | 4,465 |
| Tier 1 risk-based capital ratio | 19.6139% | 1,446 |
| Total risk-based capital ratio | 20.7656% | 1,430 |
| Memoranda: | ||
| Average total assets | $180,228,330 | 3,151 |
| Average earning assets | $167,506,670 | 3,141 |
| Average equity | $17,083,670 | 3,523 |
| Average total loans | $104,286,000 | 3,311 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1264% | 5,338 |
| Cost of funding earning assets | 0.0804% | 5,713 |
| Net interest margin | 3.0460% | 4,799 |
| Noninterest income to average assets | 2.0566% | 302 |
| Noninterest expense to average assets | 4.0386% | 518 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4960% | 4,612 |
| Return on assets (ROA) | 0.4960% | 4,633 |
| Pretax return on assets | 0.8450% | 3,954 |
| Return on Equity (ROE) | 5.3238% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.3238% | 2,722 |
| Net charge-offs to loans | -0.0114% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6966% | 1,094 |
| Assets per employee ($millions) | 3.0169% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 4,675 |
| Loan loss allowance to noncurrent loans | 163.6207% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 2,128 |
| Noncurrent loans to loans | 0.5631% | 3,120 |
| Net loans and leases to total assets | 55.4524% | 4,208 |
| Net loans and leases to deposits | 62.2060% | 4,419 |
| Net loans and leases to core deposits | 62.4952% | 4,618 |
| Total domestic deposits to total assets | 89.1431% | 1,083 |
| Equity capital to assets | 9.2882% | 4,527 |
| Core capital (leverage) ratio | 9.1378% | 4,558 |
| Tier 1 risk-based capital ratio | 19.4713% | 1,497 |
| Total risk-based capital ratio | 20.6413% | 1,494 |
| Memoranda: | ||
| Average total assets | $182,242,500 | 3,159 |
| Average earning assets | $169,139,000 | 3,142 |
| Average equity | $16,980,500 | 3,551 |
| Average total loans | $104,808,500 | 3,327 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0928% | 5,410 |
| Cost of funding earning assets | 0.1909% | 5,101 |
| Net interest margin | 2.9019% | 5,137 |
| Noninterest income to average assets | 1.9035% | 363 |
| Noninterest expense to average assets | 3.8912% | 699 |
| Loan and lease loss provision to assets | -0.0451% | 5,575 |
| Net operating income to assets | 0.4397% | 4,828 |
| Return on assets (ROA) | 0.4397% | 4,913 |
| Pretax return on assets | 0.7517% | 4,335 |
| Return on Equity (ROE) | 4.7147% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.7643% | 4,523 |
| Net charge-offs to loans | 0.0088% | 3,970 |
| Credit loss provision to net charge-offs | -911.1111% | 5,282 |
| Earnings coverage of net charge-offs (x) | 142.6667% | 445 |
| Efficiency ratio | 84.6320% | 950 |
| Assets per employee ($millions) | 2.8196% | 5,473 |
| Cash dividends to net income (ytd only)* | 62.5782% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,826 |
| Loan loss allowance to noncurrent loans | 194.6502% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.9011% | 2,103 |
| Noncurrent loans to loans | 0.4558% | 3,519 |
| Net loans and leases to total assets | 58.5592% | 4,017 |
| Net loans and leases to deposits | 65.7003% | 4,271 |
| Net loans and leases to core deposits | 66.1838% | 4,516 |
| Total domestic deposits to total assets | 89.1308% | 1,045 |
| Equity capital to assets | 9.3475% | 4,430 |
| Core capital (leverage) ratio | 9.0630% | 4,665 |
| Tier 1 risk-based capital ratio | 18.2478% | 1,790 |
| Total risk-based capital ratio | 19.3561% | 1,785 |
| Memoranda: | ||
| Average total assets | $181,717,000 | 3,149 |
| Average earning assets | $168,716,600 | 3,133 |
| Average equity | $16,947,000 | 3,559 |
| Average total loans | $102,134,600 | 3,349 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0598% | 5,514 |
| Cost of funding earning assets | 0.2116% | 4,960 |
| Net interest margin | 2.8482% | 5,274 |
| Noninterest income to average assets | 1.9659% | 356 |
| Noninterest expense to average assets | 3.8439% | 717 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4534% | 4,864 |
| Return on assets (ROA) | 0.4534% | 4,946 |
| Pretax return on assets | 0.7742% | 4,395 |
| Return on Equity (ROE) | 4.8643% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.8643% | 2,915 |
| Net charge-offs to loans | -0.0092% | 4,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2355% | 1,051 |
| Assets per employee ($millions) | 3.1337% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 4,380 |
| Loan loss allowance to noncurrent loans | 101.8519% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 1,815 |
| Noncurrent loans to loans | 0.9860% | 2,271 |
| Net loans and leases to total assets | 56.6768% | 4,232 |
| Net loans and leases to deposits | 65.2857% | 4,401 |
| Net loans and leases to core deposits | 65.7751% | 4,624 |
| Total domestic deposits to total assets | 86.8136% | 1,982 |
| Equity capital to assets | 9.5145% | 4,645 |
| Core capital (leverage) ratio | 9.0804% | 4,745 |
| Tier 1 risk-based capital ratio | 19.2068% | 1,627 |
| Total risk-based capital ratio | 20.4567% | 1,584 |
| Memoranda: | ||
| Average total assets | $182,032,500 | 3,156 |
| Average earning assets | $169,508,250 | 3,131 |
| Average equity | $16,966,750 | 3,582 |
| Average total loans | $101,013,500 | 3,373 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0194% | 5,627 |
| Cost of funding earning assets | 0.2124% | 5,014 |
| Net interest margin | 2.8071% | 5,414 |
| Noninterest income to average assets | 1.8614% | 384 |
| Noninterest expense to average assets | 3.7919% | 776 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3975% | 5,038 |
| Return on assets (ROA) | 0.3975% | 5,117 |
| Pretax return on assets | 0.6819% | 4,672 |
| Return on Equity (ROE) | 4.2947% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.2947% | 3,187 |
| Net charge-offs to loans | -0.0100% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7570% | 986 |
| Assets per employee ($millions) | 3.0140% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 4,355 |
| Loan loss allowance to noncurrent loans | 78.5230% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 1,570 |
| Noncurrent loans to loans | 1.3101% | 1,726 |
| Net loans and leases to total assets | 55.4364% | 4,364 |
| Net loans and leases to deposits | 63.7913% | 4,506 |
| Net loans and leases to core deposits | 64.2711% | 4,729 |
| Total domestic deposits to total assets | 86.9026% | 1,958 |
| Equity capital to assets | 9.4206% | 4,849 |
| Core capital (leverage) ratio | 8.8675% | 4,983 |
| Tier 1 risk-based capital ratio | 19.5919% | 1,538 |
| Total risk-based capital ratio | 20.8423% | 1,505 |
| Memoranda: | ||
| Average total assets | $182,125,000 | 3,170 |
| Average earning assets | $169,501,670 | 3,148 |
| Average equity | $16,858,000 | 3,606 |
| Average total loans | $99,998,670 | 3,408 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9865% | 5,697 |
| Cost of funding earning assets | 0.2121% | 5,082 |
| Net interest margin | 2.7744% | 5,512 |
| Noninterest income to average assets | 1.9194% | 357 |
| Noninterest expense to average assets | 3.7862% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4158% | 4,946 |
| Return on assets (ROA) | 0.4158% | 5,022 |
| Pretax return on assets | 0.7091% | 4,494 |
| Return on Equity (ROE) | 4.5322% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.5322% | 3,218 |
| Net charge-offs to loans | -0.0121% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2259% | 1,133 |
| Assets per employee ($millions) | 2.9601% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 4,318 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 1.2799% | 1,689 |
| Noncurrent loans to loans | 1.1858% | 2,041 |
| Net loans and leases to total assets | 53.1957% | 4,518 |
| Net loans and leases to deposits | 61.0704% | 4,643 |
| Net loans and leases to core deposits | 61.4247% | 4,850 |
| Total domestic deposits to total assets | 87.1055% | 2,155 |
| Equity capital to assets | 9.1888% | 4,998 |
| Core capital (leverage) ratio | 8.8768% | 4,987 |
| Tier 1 risk-based capital ratio | 19.6916% | 1,571 |
| Total risk-based capital ratio | 20.9423% | 1,537 |
| Memoranda: | ||
| Average total assets | $182,768,500 | 3,172 |
| Average earning assets | $169,695,500 | 3,156 |
| Average equity | $16,769,000 | 3,621 |
| Average total loans | $99,352,000 | 3,435 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 5,540 |
| Cost of funding earning assets | 0.2242% | 5,051 |
| Net interest margin | 2.9522% | 5,240 |
| Noninterest income to average assets | 1.9069% | 383 |
| Noninterest expense to average assets | 3.9892% | 682 |
| Loan and lease loss provision to assets | 0.0023% | 4,340 |
| Net operating income to assets | 0.3754% | 5,122 |
| Return on assets (ROA) | 0.3754% | 5,211 |
| Pretax return on assets | 0.6465% | 4,683 |
| Return on Equity (ROE) | 4.1255% | 4,890 |
| Retained earnings to average equity (ytd only) | -0.4584% | 5,584 |
| Net charge-offs to loans | 0.1971% | 1,483 |
| Credit loss provision to net charge-offs | 2.0202% | 3,887 |
| Earnings coverage of net charge-offs (x) | 5.8131% | 3,324 |
| Efficiency ratio | 86.0112% | 990 |
| Assets per employee ($millions) | 3.0335% | 5,494 |
| Cash dividends to net income (ytd only)* | 111.1111% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 4,404 |
| Loan loss allowance to noncurrent loans | 106.2500% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.3747% | 1,526 |
| Noncurrent loans to loans | 0.9757% | 2,383 |
| Net loans and leases to total assets | 54.3918% | 4,467 |
| Net loans and leases to deposits | 62.4199% | 4,601 |
| Net loans and leases to core deposits | 62.7849% | 4,814 |
| Total domestic deposits to total assets | 87.1385% | 2,056 |
| Equity capital to assets | 9.1611% | 4,958 |
| Core capital (leverage) ratio | 9.0874% | 4,768 |
| Tier 1 risk-based capital ratio | 19.4596% | 1,593 |
| Total risk-based capital ratio | 20.7103% | 1,561 |
| Memoranda: | ||
| Average total assets | $177,404,800 | 3,206 |
| Average earning assets | $164,112,400 | 3,199 |
| Average equity | $16,143,600 | 3,653 |
| Average total loans | $100,441,200 | 3,377 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2159% | 5,567 |
| Cost of funding earning assets | 0.2256% | 5,126 |
| Net interest margin | 2.9903% | 5,217 |
| Noninterest income to average assets | 1.9396% | 376 |
| Noninterest expense to average assets | 3.9987% | 668 |
| Loan and lease loss provision to assets | -0.0008% | 5,778 |
| Net operating income to assets | 0.4130% | 5,117 |
| Return on assets (ROA) | 0.4130% | 5,205 |
| Pretax return on assets | 0.7088% | 4,653 |
| Return on Equity (ROE) | 4.5467% | 4,816 |
| Retained earnings to average equity (ytd only) | 1.2158% | 5,236 |
| Net charge-offs to loans | 0.2665% | 994 |
| Credit loss provision to net charge-offs | -0.4975% | 4,801 |
| Earnings coverage of net charge-offs (x) | 4.6568% | 3,320 |
| Efficiency ratio | 84.9566% | 1,086 |
| Assets per employee ($millions) | 2.8647% | 5,695 |
| Cash dividends to net income (ytd only)* | 73.2603% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 4,599 |
| Loan loss allowance to noncurrent loans | 314.6789% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1356% | 2,101 |
| Noncurrent loans to loans | 0.3266% | 4,437 |
| Net loans and leases to total assets | 57.6534% | 4,182 |
| Net loans and leases to deposits | 67.1325% | 4,270 |
| Net loans and leases to core deposits | 67.5540% | 4,578 |
| Total domestic deposits to total assets | 85.8800% | 2,599 |
| Equity capital to assets | 9.2859% | 5,020 |
| Core capital (leverage) ratio | 9.2189% | 4,704 |
| Tier 1 risk-based capital ratio | 19.8076% | 1,600 |
| Total risk-based capital ratio | 21.0572% | 1,560 |
| Memoranda: | ||
| Average total assets | $176,253,750 | 3,248 |
| Average earning assets | $163,102,500 | 3,240 |
| Average equity | $16,011,000 | 3,709 |
| Average total loans | $100,542,750 | 3,414 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2183% | 5,593 |
| Cost of funding earning assets | 0.2235% | 5,216 |
| Net interest margin | 2.9948% | 5,234 |
| Noninterest income to average assets | 1.9526% | 382 |
| Noninterest expense to average assets | 3.9739% | 697 |
| Loan and lease loss provision to assets | -0.0011% | 5,923 |
| Net operating income to assets | 0.4423% | 4,997 |
| Return on assets (ROA) | 0.4423% | 5,093 |
| Pretax return on assets | 0.7552% | 4,472 |
| Return on Equity (ROE) | 4.9040% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.9040% | 2,919 |
| Net charge-offs to loans | -0.0040% | 4,692 |
| Credit loss provision to net charge-offs | 50.0000% | 2,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0514% | 1,261 |
| Assets per employee ($millions) | 2.9643% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,453 |
| Loan loss allowance to noncurrent loans | 109.7061% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 2,157 |
| Noncurrent loans to loans | 1.1489% | 2,353 |
| Net loans and leases to total assets | 55.1835% | 4,429 |
| Net loans and leases to deposits | 64.0733% | 4,526 |
| Net loans and leases to core deposits | 64.4670% | 4,779 |
| Total domestic deposits to total assets | 86.1256% | 2,624 |
| Equity capital to assets | 9.2675% | 4,935 |
| Core capital (leverage) ratio | 9.0749% | 4,858 |
| Tier 1 risk-based capital ratio | 20.9417% | 1,380 |
| Total risk-based capital ratio | 22.1955% | 1,344 |
| Memoranda: | ||
| Average total assets | $177,710,330 | 3,245 |
| Average earning assets | $164,683,670 | 3,243 |
| Average equity | $16,027,670 | 3,720 |
| Average total loans | $100,681,670 | 3,430 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1725% | 5,694 |
| Cost of funding earning assets | 0.2220% | 5,300 |
| Net interest margin | 2.9506% | 5,342 |
| Noninterest income to average assets | 2.1862% | 324 |
| Noninterest expense to average assets | 3.9929% | 701 |
| Loan and lease loss provision to assets | -0.0022% | 6,073 |
| Net operating income to assets | 0.5471% | 4,488 |
| Return on assets (ROA) | 0.5471% | 4,602 |
| Pretax return on assets | 0.9268% | 3,791 |
| Return on Equity (ROE) | 6.1490% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.1490% | 2,406 |
| Net charge-offs to loans | 0.0039% | 3,186 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | 414.0000% | 129 |
| Efficiency ratio | 81.1989% | 1,728 |
| Assets per employee ($millions) | 3.1322% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 3,885 |
| Loan loss allowance to noncurrent loans | 108.4731% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 2,364 |
| Noncurrent loans to loans | 1.1194% | 2,537 |
| Net loans and leases to total assets | 55.0397% | 4,314 |
| Net loans and leases to deposits | 63.4466% | 4,433 |
| Net loans and leases to core deposits | 63.6510% | 4,728 |
| Total domestic deposits to total assets | 86.7495% | 2,527 |
| Equity capital to assets | 8.8403% | 5,453 |
| Core capital (leverage) ratio | 9.0932% | 4,854 |
| Tier 1 risk-based capital ratio | 19.7285% | 1,684 |
| Total risk-based capital ratio | 20.9813% | 1,645 |
| Memoranda: | ||
| Average total assets | $179,120,000 | 3,249 |
| Average earning assets | $165,799,000 | 3,239 |
| Average equity | $15,937,500 | 3,755 |
| Average total loans | $102,151,000 | 3,413 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3366% | 5,647 |
| Cost of funding earning assets | 0.2480% | 5,348 |
| Net interest margin | 3.0886% | 5,235 |
| Noninterest income to average assets | 2.0082% | 336 |
| Noninterest expense to average assets | 3.9802% | 768 |
| Loan and lease loss provision to assets | -0.0057% | 5,901 |
| Net operating income to assets | 0.5148% | 4,755 |
| Return on assets (ROA) | 0.5148% | 4,836 |
| Pretax return on assets | 0.8930% | 3,932 |
| Return on Equity (ROE) | 5.6700% | 4,321 |
| Retained earnings to average equity (ytd only) | 0.6131% | 5,495 |
| Net charge-offs to loans | -0.0121% | 5,595 |
| Credit loss provision to net charge-offs | 83.3333% | 2,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7710% | 1,688 |
| Assets per employee ($millions) | 2.9927% | 5,709 |
| Cash dividends to net income (ytd only)* | 89.1862% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1942% | 4,037 |
| Loan loss allowance to noncurrent loans | 90.8487% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.2471% | 2,261 |
| Noncurrent loans to loans | 1.3145% | 2,242 |
| Net loans and leases to total assets | 57.6833% | 4,090 |
| Net loans and leases to deposits | 66.6183% | 4,254 |
| Net loans and leases to core deposits | 66.8395% | 4,609 |
| Total domestic deposits to total assets | 86.5878% | 2,518 |
| Equity capital to assets | 8.9567% | 5,337 |
| Core capital (leverage) ratio | 9.0119% | 4,982 |
| Tier 1 risk-based capital ratio | 19.8136% | 1,634 |
| Total risk-based capital ratio | 21.0680% | 1,607 |
| Memoranda: | ||
| Average total assets | $174,239,000 | 3,279 |
| Average earning assets | $161,303,200 | 3,261 |
| Average equity | $15,820,000 | 3,702 |
| Average total loans | $99,181,200 | 3,444 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3064% | 5,756 |
| Cost of funding earning assets | 0.2508% | 5,398 |
| Net interest margin | 3.0556% | 5,372 |
| Noninterest income to average assets | 2.1229% | 310 |
| Noninterest expense to average assets | 4.0078% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5497% | 4,675 |
| Return on assets (ROA) | 0.5497% | 4,753 |
| Pretax return on assets | 0.9497% | 3,792 |
| Return on Equity (ROE) | 6.0339% | 4,214 |
| Retained earnings to average equity (ytd only) | -0.7079% | 5,910 |
| Net charge-offs to loans | -0.0122% | 5,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8425% | 1,782 |
| Assets per employee ($millions) | 2.7908% | 5,980 |
| Cash dividends to net income (ytd only)* | 111.7322% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 4,405 |
| Loan loss allowance to noncurrent loans | 94.5760% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.2460% | 2,466 |
| Noncurrent loans to loans | 1.2328% | 2,577 |
| Net loans and leases to total assets | 60.6483% | 3,682 |
| Net loans and leases to deposits | 70.0920% | 3,909 |
| Net loans and leases to core deposits | 70.5713% | 4,276 |
| Total domestic deposits to total assets | 86.5268% | 2,576 |
| Equity capital to assets | 9.2330% | 5,108 |
| Core capital (leverage) ratio | 9.1095% | 4,919 |
| Tier 1 risk-based capital ratio | 19.2092% | 1,856 |
| Total risk-based capital ratio | 20.4625% | 1,823 |
| Memoranda: | ||
| Average total assets | $173,656,000 | 3,316 |
| Average earning assets | $161,098,000 | 3,291 |
| Average equity | $15,821,250 | 3,713 |
| Average total loans | $98,205,750 | 3,486 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2380% | 5,888 |
| Cost of funding earning assets | 0.2519% | 5,465 |
| Net interest margin | 2.9861% | 5,565 |
| Noninterest income to average assets | 2.2535% | 289 |
| Noninterest expense to average assets | 3.9767% | 786 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6085% | 4,320 |
| Return on assets (ROA) | 0.6085% | 4,413 |
| Pretax return on assets | 1.0445% | 3,302 |
| Return on Equity (ROE) | 6.7091% | 3,773 |
| Retained earnings to average equity (ytd only) | -3.4370% | 6,133 |
| Net charge-offs to loans | -0.0126% | 5,388 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1982% | 2,136 |
| Assets per employee ($millions) | 2.7046% | 6,129 |
| Cash dividends to net income (ytd only)* | 151.2287% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 4,173 |
| Loan loss allowance to noncurrent loans | 93.7026% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.2508% | 2,606 |
| Noncurrent loans to loans | 1.3327% | 2,585 |
| Net loans and leases to total assets | 56.4224% | 4,217 |
| Net loans and leases to deposits | 65.0480% | 4,370 |
| Net loans and leases to core deposits | 65.4912% | 4,684 |
| Total domestic deposits to total assets | 86.7397% | 2,614 |
| Equity capital to assets | 9.1221% | 5,183 |
| Core capital (leverage) ratio | 8.9975% | 5,020 |
| Tier 1 risk-based capital ratio | 20.1331% | 1,655 |
| Total risk-based capital ratio | 21.3874% | 1,624 |
| Memoranda: | ||
| Average total assets | $173,864,000 | 3,322 |
| Average earning assets | $161,148,000 | 3,305 |
| Average equity | $15,769,670 | 3,727 |
| Average total loans | $95,548,000 | 3,550 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1823% | 6,029 |
| Cost of funding earning assets | 0.2524% | 5,558 |
| Net interest margin | 2.9299% | 5,691 |
| Noninterest income to average assets | 2.0408% | 327 |
| Noninterest expense to average assets | 3.9714% | 788 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4568% | 4,906 |
| Return on assets (ROA) | 0.4568% | 4,974 |
| Pretax return on assets | 0.7874% | 4,159 |
| Return on Equity (ROE) | 5.0509% | 4,528 |
| Retained earnings to average equity (ytd only) | -15.2543% | 6,472 |
| Net charge-offs to loans | -0.0128% | 5,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4539% | 1,739 |
| Assets per employee ($millions) | 2.7648% | 6,143 |
| Cash dividends to net income (ytd only)* | 402.0101% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 4,048 |
| Loan loss allowance to noncurrent loans | 92.0777% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.4016% | 2,538 |
| Noncurrent loans to loans | 1.4272% | 2,643 |
| Net loans and leases to total assets | 52.2877% | 4,640 |
| Net loans and leases to deposits | 59.9755% | 4,764 |
| Net loans and leases to core deposits | 60.3731% | 5,002 |
| Total domestic deposits to total assets | 87.1818% | 2,717 |
| Equity capital to assets | 8.7367% | 5,413 |
| Core capital (leverage) ratio | 8.6313% | 5,491 |
| Tier 1 risk-based capital ratio | 20.2107% | 1,669 |
| Total risk-based capital ratio | 21.4653% | 1,633 |
| Memoranda: | ||
| Average total assets | $174,248,000 | 3,344 |
| Average earning assets | $161,645,500 | 3,327 |
| Average equity | $15,759,500 | 3,741 |
| Average total loans | $93,872,000 | 3,611 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 5,943 |
| Cost of funding earning assets | 0.2780% | 5,775 |
| Net interest margin | 3.0563% | 5,441 |
| Noninterest income to average assets | 2.0120% | 385 |
| Noninterest expense to average assets | 4.1707% | 717 |
| Loan and lease loss provision to assets | -0.0046% | 6,258 |
| Net operating income to assets | 0.3783% | 5,228 |
| Return on assets (ROA) | 0.3783% | 5,343 |
| Pretax return on assets | 0.6610% | 4,661 |
| Return on Equity (ROE) | 4.1215% | 5,047 |
| Retained earnings to average equity (ytd only) | 0.3345% | 5,696 |
| Net charge-offs to loans | 0.0533% | 4,477 |
| Credit loss provision to net charge-offs | -16.3265% | 5,704 |
| Earnings coverage of net charge-offs (x) | 23.1224% | 1,425 |
| Efficiency ratio | 86.4018% | 1,377 |
| Assets per employee ($millions) | 2.6393% | 6,280 |
| Cash dividends to net income (ytd only)* | 91.8836% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 4,926 |
| Loan loss allowance to noncurrent loans | 75.3846% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.6088% | 2,306 |
| Noncurrent loans to loans | 1.5214% | 2,613 |
| Net loans and leases to total assets | 54.1608% | 4,563 |
| Net loans and leases to deposits | 62.6925% | 4,654 |
| Net loans and leases to core deposits | 63.1248% | 4,960 |
| Total domestic deposits to total assets | 86.3913% | 3,049 |
| Equity capital to assets | 9.3616% | 4,601 |
| Core capital (leverage) ratio | 9.1407% | 4,799 |
| Tier 1 risk-based capital ratio | 20.5410% | 1,530 |
| Total risk-based capital ratio | 21.7963% | 1,506 |
| Memoranda: | ||
| Average total assets | $172,610,600 | 3,373 |
| Average earning assets | $158,985,000 | 3,364 |
| Average equity | $15,843,800 | 3,729 |
| Average total loans | $92,017,400 | 3,641 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3402% | 5,989 |
| Cost of funding earning assets | 0.2808% | 5,881 |
| Net interest margin | 3.0594% | 5,436 |
| Noninterest income to average assets | 2.0847% | 396 |
| Noninterest expense to average assets | 4.1755% | 704 |
| Loan and lease loss provision to assets | -0.0216% | 6,493 |
| Net operating income to assets | 0.4288% | 5,116 |
| Return on assets (ROA) | 0.4288% | 5,265 |
| Pretax return on assets | 0.7458% | 4,501 |
| Return on Equity (ROE) | 4.6949% | 4,876 |
| Retained earnings to average equity (ytd only) | -0.3716% | 6,017 |
| Net charge-offs to loans | 0.0758% | 3,860 |
| Credit loss provision to net charge-offs | -53.8462% | 5,720 |
| Earnings coverage of net charge-offs (x) | 18.0581% | 1,703 |
| Efficiency ratio | 85.2196% | 1,442 |
| Assets per employee ($millions) | 2.6088% | 6,376 |
| Cash dividends to net income (ytd only)* | 107.9144% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,137 |
| Loan loss allowance to noncurrent loans | 82.0373% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.6719% | 2,458 |
| Noncurrent loans to loans | 1.3962% | 3,080 |
| Net loans and leases to total assets | 53.6955% | 4,661 |
| Net loans and leases to deposits | 62.2916% | 4,714 |
| Net loans and leases to core deposits | 62.7267% | 5,042 |
| Total domestic deposits to total assets | 86.2003% | 3,137 |
| Equity capital to assets | 9.2759% | 4,831 |
| Core capital (leverage) ratio | 9.1672% | 4,878 |
| Tier 1 risk-based capital ratio | 21.2525% | 1,444 |
| Total risk-based capital ratio | 22.5077% | 1,410 |
| Memoranda: | ||
| Average total assets | $172,875,250 | 3,393 |
| Average earning assets | $159,067,750 | 3,390 |
| Average equity | $15,789,750 | 3,776 |
| Average total loans | $91,523,750 | 3,677 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3441% | 6,012 |
| Cost of funding earning assets | 0.2826% | 5,964 |
| Net interest margin | 3.0615% | 5,393 |
| Noninterest income to average assets | 2.1463% | 403 |
| Noninterest expense to average assets | 4.1695% | 722 |
| Loan and lease loss provision to assets | -0.0322% | 6,617 |
| Net operating income to assets | 0.4748% | 4,905 |
| Return on assets (ROA) | 0.4748% | 5,087 |
| Pretax return on assets | 0.8231% | 4,231 |
| Return on Equity (ROE) | 5.2245% | 4,606 |
| Retained earnings to average equity (ytd only) | -2.3656% | 6,232 |
| Net charge-offs to loans | -0.0044% | 5,615 |
| Credit loss provision to net charge-offs | 1,400.0000% | 227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0556% | 1,627 |
| Assets per employee ($millions) | 2.6247% | 6,379 |
| Cash dividends to net income (ytd only)* | 145.2785% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 4,910 |
| Loan loss allowance to noncurrent loans | 87.3228% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 2,775 |
| Noncurrent loans to loans | 1.3905% | 3,219 |
| Net loans and leases to total assets | 52.0831% | 4,851 |
| Net loans and leases to deposits | 60.1063% | 4,969 |
| Net loans and leases to core deposits | 60.5151% | 5,222 |
| Total domestic deposits to total assets | 86.6516% | 3,026 |
| Equity capital to assets | 9.0021% | 5,214 |
| Core capital (leverage) ratio | 8.8827% | 5,170 |
| Tier 1 risk-based capital ratio | 21.3277% | 1,416 |
| Total risk-based capital ratio | 22.5837% | 1,388 |
| Memoranda: | ||
| Average total assets | $173,977,330 | 3,391 |
| Average earning assets | $159,922,670 | 3,400 |
| Average equity | $15,810,000 | 3,800 |
| Average total loans | $91,329,670 | 3,692 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3451% | 6,052 |
| Cost of funding earning assets | 0.2900% | 6,042 |
| Net interest margin | 3.0551% | 5,411 |
| Noninterest income to average assets | 2.3722% | 340 |
| Noninterest expense to average assets | 4.1525% | 752 |
| Loan and lease loss provision to assets | -0.0390% | 6,778 |
| Net operating income to assets | 0.6194% | 4,123 |
| Return on assets (ROA) | 0.6194% | 4,283 |
| Pretax return on assets | 1.0622% | 3,101 |
| Return on Equity (ROE) | 6.7848% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.7848% | 2,259 |
| Net charge-offs to loans | -0.0044% | 5,244 |
| Credit loss provision to net charge-offs | 1,700.0000% | 189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2305% | 2,297 |
| Assets per employee ($millions) | 2.6624% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,063 |
| Loan loss allowance to noncurrent loans | 85.2247% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.7502% | 2,670 |
| Noncurrent loans to loans | 1.4389% | 3,409 |
| Net loans and leases to total assets | 50.5275% | 4,913 |
| Net loans and leases to deposits | 58.2239% | 5,004 |
| Net loans and leases to core deposits | 58.6074% | 5,280 |
| Total domestic deposits to total assets | 86.7814% | 3,082 |
| Equity capital to assets | 8.9994% | 5,485 |
| Core capital (leverage) ratio | 8.8804% | 5,082 |
| Tier 1 risk-based capital ratio | 21.8541% | 1,358 |
| Total risk-based capital ratio | 23.1112% | 1,329 |
| Memoranda: | ||
| Average total assets | $174,352,500 | 3,426 |
| Average earning assets | $159,995,000 | 3,429 |
| Average equity | $15,918,000 | 3,831 |
| Average total loans | $91,329,000 | 3,711 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9440% | 5,459 |
| Cost of funding earning assets | 0.3630% | 6,142 |
| Net interest margin | 3.5811% | 4,177 |
| Noninterest income to average assets | 2.4484% | 327 |
| Noninterest expense to average assets | 4.3753% | 637 |
| Loan and lease loss provision to assets | 0.1479% | 3,757 |
| Net operating income to assets | 0.7039% | 3,716 |
| Return on assets (ROA) | 0.7039% | 3,972 |
| Pretax return on assets | 1.1651% | 2,926 |
| Return on Equity (ROE) | 7.4777% | 3,354 |
| Retained earnings to average equity (ytd only) | 4.9125% | 2,758 |
| Net charge-offs to loans | 0.0943% | 4,729 |
| Credit loss provision to net charge-offs | 266.3043% | 904 |
| Earnings coverage of net charge-offs (x) | 23.6413% | 1,209 |
| Efficiency ratio | 76.9182% | 2,605 |
| Assets per employee ($millions) | 2.5422% | 6,581 |
| Cash dividends to net income (ytd only)* | 34.3053% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,919 |
| Loan loss allowance to noncurrent loans | 88.3268% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.8999% | 2,569 |
| Noncurrent loans to loans | 1.4058% | 3,491 |
| Net loans and leases to total assets | 53.0004% | 4,757 |
| Net loans and leases to deposits | 61.3996% | 4,852 |
| Net loans and leases to core deposits | 61.7195% | 5,186 |
| Total domestic deposits to total assets | 86.3204% | 3,190 |
| Equity capital to assets | 9.2663% | 5,186 |
| Core capital (leverage) ratio | 9.1351% | 4,682 |
| Tier 1 risk-based capital ratio | 21.3303% | 1,392 |
| Total risk-based capital ratio | 22.5865% | 1,367 |
| Memoranda: | ||
| Average total assets | $165,656,400 | 3,526 |
| Average earning assets | $149,871,400 | 3,553 |
| Average equity | $15,593,000 | 3,843 |
| Average total loans | $97,607,200 | 3,581 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 5,409 |
| Cost of funding earning assets | 0.3745% | 6,257 |
| Net interest margin | 3.6636% | 3,953 |
| Noninterest income to average assets | 2.4958% | 312 |
| Noninterest expense to average assets | 4.4071% | 598 |
| Loan and lease loss provision to assets | 0.1962% | 3,127 |
| Net operating income to assets | 0.7376% | 3,747 |
| Return on assets (ROA) | 0.7376% | 4,001 |
| Pretax return on assets | 1.1988% | 2,993 |
| Return on Equity (ROE) | 7.8048% | 3,367 |
| Retained earnings to average equity (ytd only) | 4.3741% | 3,810 |
| Net charge-offs to loans | 0.1251% | 4,125 |
| Credit loss provision to net charge-offs | 260.2151% | 1,060 |
| Earnings coverage of net charge-offs (x) | 18.5049% | 1,552 |
| Efficiency ratio | 75.9570% | 2,689 |
| Assets per employee ($millions) | 2.4462% | 6,743 |
| Cash dividends to net income (ytd only)* | 43.9562% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 5,512 |
| Loan loss allowance to noncurrent loans | 87.4034% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 2.4759% | 2,136 |
| Noncurrent loans to loans | 1.3172% | 3,836 |
| Net loans and leases to total assets | 59.2478% | 3,923 |
| Net loans and leases to deposits | 68.8412% | 4,054 |
| Net loans and leases to core deposits | 69.2146% | 4,588 |
| Total domestic deposits to total assets | 86.0645% | 3,217 |
| Equity capital to assets | 9.6383% | 5,012 |
| Core capital (leverage) ratio | 9.3646% | 4,482 |
| Tier 1 risk-based capital ratio | 19.4057% | 1,894 |
| Total risk-based capital ratio | 20.6600% | 1,871 |
| Memoranda: | ||
| Average total assets | $164,488,750 | 3,578 |
| Average earning assets | $148,447,750 | 3,619 |
| Average equity | $15,545,500 | 3,889 |
| Average total loans | $99,156,750 | 3,585 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 5,458 |
| Cost of funding earning assets | 0.3849% | 6,352 |
| Net interest margin | 3.6752% | 3,943 |
| Noninterest income to average assets | 2.5855% | 286 |
| Noninterest expense to average assets | 4.4035% | 599 |
| Loan and lease loss provision to assets | 0.2854% | 2,292 |
| Net operating income to assets | 0.7384% | 3,655 |
| Return on assets (ROA) | 0.7384% | 3,932 |
| Pretax return on assets | 1.2011% | 2,920 |
| Return on Equity (ROE) | 7.8646% | 3,315 |
| Retained earnings to average equity (ytd only) | 2.6905% | 4,831 |
| Net charge-offs to loans | 0.1950% | 3,415 |
| Credit loss provision to net charge-offs | 242.2680% | 1,182 |
| Earnings coverage of net charge-offs (x) | 12.6186% | 1,860 |
| Efficiency ratio | 74.7629% | 2,941 |
| Assets per employee ($millions) | 2.4637% | 6,793 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 5,583 |
| Loan loss allowance to noncurrent loans | 85.5505% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 3.0151% | 1,827 |
| Noncurrent loans to loans | 1.3398% | 3,915 |
| Net loans and leases to total assets | 58.4634% | 4,089 |
| Net loans and leases to deposits | 67.6364% | 4,263 |
| Net loans and leases to core deposits | 67.9991% | 4,786 |
| Total domestic deposits to total assets | 86.4378% | 3,108 |
| Equity capital to assets | 9.3852% | 5,212 |
| Core capital (leverage) ratio | 8.9729% | 4,951 |
| Tier 1 risk-based capital ratio | 18.5956% | 2,103 |
| Total risk-based capital ratio | 19.8504% | 2,061 |
| Memoranda: | ||
| Average total assets | $164,685,670 | 3,594 |
| Average earning assets | $148,074,330 | 3,642 |
| Average equity | $15,461,670 | 3,898 |
| Average total loans | $99,463,330 | 3,588 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 5,736 |
| Cost of funding earning assets | 0.3922% | 6,446 |
| Net interest margin | 3.6159% | 4,198 |
| Noninterest income to average assets | 3.0566% | 235 |
| Noninterest expense to average assets | 4.4208% | 586 |
| Loan and lease loss provision to assets | 0.6006% | 956 |
| Net operating income to assets | 0.7854% | 3,443 |
| Return on assets (ROA) | 0.7854% | 3,683 |
| Pretax return on assets | 1.2864% | 2,587 |
| Return on Equity (ROE) | 8.3644% | 3,116 |
| Retained earnings to average equity (ytd only) | 8.3644% | 1,832 |
| Net charge-offs to loans | 0.3865% | 2,145 |
| Credit loss provision to net charge-offs | 254.6392% | 1,124 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,011 |
| Efficiency ratio | 70.0848% | 3,790 |
| Assets per employee ($millions) | 2.5579% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 5,684 |
| Loan loss allowance to noncurrent loans | 72.9852% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 2.9315% | 1,971 |
| Noncurrent loans to loans | 1.5866% | 3,736 |
| Net loans and leases to total assets | 57.2359% | 4,176 |
| Net loans and leases to deposits | 66.0508% | 4,370 |
| Net loans and leases to core deposits | 66.3957% | 4,873 |
| Total domestic deposits to total assets | 86.6543% | 3,143 |
| Equity capital to assets | 9.2448% | 5,169 |
| Core capital (leverage) ratio | 8.8379% | 5,088 |
| Tier 1 risk-based capital ratio | 18.6716% | 2,088 |
| Total risk-based capital ratio | 19.9261% | 2,056 |
| Memoranda: | ||
| Average total assets | $164,494,000 | 3,608 |
| Average earning assets | $147,902,000 | 3,658 |
| Average equity | $15,446,500 | 3,903 |
| Average total loans | $100,383,000 | 3,588 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3239% | 5,682 |
| Cost of funding earning assets | 0.5275% | 6,425 |
| Net interest margin | 3.7964% | 3,833 |
| Noninterest income to average assets | 2.0299% | 368 |
| Noninterest expense to average assets | 4.2344% | 777 |
| Loan and lease loss provision to assets | 0.0188% | 6,337 |
| Net operating income to assets | 0.7722% | 3,166 |
| Return on assets (ROA) | 0.7722% | 3,328 |
| Pretax return on assets | 1.2265% | 2,364 |
| Return on Equity (ROE) | 8.3271% | 2,753 |
| Retained earnings to average equity (ytd only) | 8.3271% | 976 |
| Net charge-offs to loans | 0.1319% | 5,095 |
| Credit loss provision to net charge-offs | 21.5827% | 5,896 |
| Earnings coverage of net charge-offs (x) | 14.3165% | 1,465 |
| Efficiency ratio | 77.2753% | 2,700 |
| Assets per employee ($millions) | 2.4268% | 6,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 6,702 |
| Loan loss allowance to noncurrent loans | 36.4818% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 3.0961% | 1,933 |
| Noncurrent loans to loans | 2.2406% | 2,909 |
| Net loans and leases to total assets | 63.7870% | 3,238 |
| Net loans and leases to deposits | 74.0802% | 3,490 |
| Net loans and leases to core deposits | 74.6066% | 4,158 |
| Total domestic deposits to total assets | 86.1053% | 3,258 |
| Equity capital to assets | 9.5437% | 4,808 |
| Core capital (leverage) ratio | 9.2855% | 4,354 |
| Tier 1 risk-based capital ratio | 17.8053% | 2,264 |
| Total risk-based capital ratio | 18.8181% | 2,325 |
| Memoranda: | ||
| Average total assets | $159,810,400 | 3,632 |
| Average earning assets | $145,216,200 | 3,652 |
| Average equity | $14,819,000 | 3,950 |
| Average total loans | $105,422,000 | 3,488 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4260% | 5,519 |
| Cost of funding earning assets | 0.5473% | 6,524 |
| Net interest margin | 3.8787% | 3,484 |
| Noninterest income to average assets | 1.9225% | 408 |
| Noninterest expense to average assets | 4.2064% | 788 |
| Loan and lease loss provision to assets | 0.0751% | 5,510 |
| Net operating income to assets | 0.7354% | 3,450 |
| Return on assets (ROA) | 0.7354% | 3,627 |
| Pretax return on assets | 1.1729% | 2,731 |
| Return on Equity (ROE) | 7.9895% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.9895% | 1,512 |
| Net charge-offs to loans | -0.0013% | 6,657 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1197% | 2,662 |
| Assets per employee ($millions) | 2.3117% | 7,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 6,447 |
| Loan loss allowance to noncurrent loans | 41.7134% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 3,705 |
| Noncurrent loans to loans | 2.2843% | 3,016 |
| Net loans and leases to total assets | 68.9025% | 2,297 |
| Net loans and leases to deposits | 81.1095% | 2,510 |
| Net loans and leases to core deposits | 81.7030% | 3,372 |
| Total domestic deposits to total assets | 84.9500% | 3,787 |
| Equity capital to assets | 9.6555% | 4,845 |
| Core capital (leverage) ratio | 9.2451% | 4,551 |
| Tier 1 risk-based capital ratio | 16.9067% | 2,674 |
| Total risk-based capital ratio | 18.1245% | 2,660 |
| Memoranda: | ||
| Average total assets | $159,720,750 | 3,656 |
| Average earning assets | $145,441,250 | 3,673 |
| Average equity | $14,702,250 | 3,983 |
| Average total loans | $106,025,250 | 3,502 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 5,806 |
| Cost of funding earning assets | 0.5689% | 6,592 |
| Net interest margin | 3.7959% | 3,800 |
| Noninterest income to average assets | 1.8111% | 413 |
| Noninterest expense to average assets | 4.1741% | 852 |
| Loan and lease loss provision to assets | 0.0747% | 5,380 |
| Net operating income to assets | 0.6328% | 3,899 |
| Return on assets (ROA) | 0.6328% | 4,021 |
| Pretax return on assets | 1.0114% | 3,200 |
| Return on Equity (ROE) | 6.9859% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.9859% | 1,883 |
| Net charge-offs to loans | -0.0019% | 6,527 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3512% | 2,498 |
| Assets per employee ($millions) | 2.3538% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 6,469 |
| Loan loss allowance to noncurrent loans | 206.1100% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.7102% | 5,487 |
| Noncurrent loans to loans | 0.4679% | 5,972 |
| Net loans and leases to total assets | 65.9011% | 3,050 |
| Net loans and leases to deposits | 77.2679% | 3,255 |
| Net loans and leases to core deposits | 77.8263% | 4,074 |
| Total domestic deposits to total assets | 85.2891% | 3,733 |
| Equity capital to assets | 9.3858% | 5,007 |
| Core capital (leverage) ratio | 8.9784% | 4,757 |
| Tier 1 risk-based capital ratio | 16.4515% | 2,769 |
| Total risk-based capital ratio | 17.6328% | 2,753 |
| Memoranda: | ||
| Average total assets | $160,562,330 | 3,678 |
| Average earning assets | $145,893,330 | 3,694 |
| Average equity | $14,543,670 | 3,999 |
| Average total loans | $104,915,670 | 3,562 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 5,963 |
| Cost of funding earning assets | 0.5911% | 6,642 |
| Net interest margin | 3.7266% | 3,965 |
| Noninterest income to average assets | 1.9409% | 371 |
| Noninterest expense to average assets | 4.2472% | 773 |
| Loan and lease loss provision to assets | 0.0741% | 5,072 |
| Net operating income to assets | 0.6223% | 3,909 |
| Return on assets (ROA) | 0.6223% | 3,978 |
| Pretax return on assets | 0.9976% | 3,138 |
| Return on Equity (ROE) | 6.9930% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.9930% | 2,146 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8514% | 2,563 |
| Assets per employee ($millions) | 2.4176% | 7,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 6,621 |
| Loan loss allowance to noncurrent loans | 144.9040% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 4,990 |
| Noncurrent loans to loans | 0.6421% | 5,750 |
| Net loans and leases to total assets | 63.5412% | 3,530 |
| Net loans and leases to deposits | 73.8370% | 3,784 |
| Net loans and leases to core deposits | 74.3420% | 4,503 |
| Total domestic deposits to total assets | 86.0561% | 3,491 |
| Equity capital to assets | 8.8440% | 5,423 |
| Core capital (leverage) ratio | 8.4463% | 5,551 |
| Tier 1 risk-based capital ratio | 16.0076% | 2,897 |
| Total risk-based capital ratio | 17.1436% | 2,929 |
| Memoranda: | ||
| Average total assets | $161,990,500 | 3,669 |
| Average earning assets | $146,837,500 | 3,703 |
| Average equity | $14,414,500 | 4,018 |
| Average total loans | $104,902,500 | 3,601 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8077% | 5,380 |
| Cost of funding earning assets | 0.7905% | 6,609 |
| Net interest margin | 4.0172% | 2,942 |
| Noninterest income to average assets | 2.2266% | 333 |
| Noninterest expense to average assets | 4.3459% | 769 |
| Loan and lease loss provision to assets | 0.0194% | 6,919 |
| Net operating income to assets | 0.9459% | 2,214 |
| Return on assets (ROA) | 0.9459% | 2,344 |
| Pretax return on assets | 1.5213% | 1,322 |
| Return on Equity (ROE) | 10.3022% | 1,818 |
| Retained earnings to average equity (ytd only) | 3.6125% | 3,333 |
| Net charge-offs to loans | 0.0110% | 6,720 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 198.5833% | 125 |
| Efficiency ratio | 73.8276% | 3,434 |
| Assets per employee ($millions) | 2.3469% | 7,175 |
| Cash dividends to net income (ytd only)* | 64.9351% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 6,696 |
| Loan loss allowance to noncurrent loans | 195.6790% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 5,282 |
| Noncurrent loans to loans | 0.4657% | 6,114 |
| Net loans and leases to total assets | 64.8016% | 3,711 |
| Net loans and leases to deposits | 75.4430% | 3,932 |
| Net loans and leases to core deposits | 75.9728% | 4,718 |
| Total domestic deposits to total assets | 85.8948% | 3,414 |
| Equity capital to assets | 8.9544% | 5,209 |
| Core capital (leverage) ratio | 8.5337% | 5,297 |
| Tier 1 risk-based capital ratio | 16.0726% | 2,715 |
| Total risk-based capital ratio | 17.2003% | 2,731 |
| Memoranda: | ||
| Average total assets | $154,674,000 | 3,799 |
| Average earning assets | $140,919,200 | 3,797 |
| Average equity | $14,200,800 | 4,105 |
| Average total loans | $108,664,400 | 3,578 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8447% | 5,493 |
| Cost of funding earning assets | 0.8257% | 6,669 |
| Net interest margin | 4.0190% | 3,013 |
| Noninterest income to average assets | 2.2539% | 316 |
| Noninterest expense to average assets | 4.3854% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9671% | 2,347 |
| Return on assets (ROA) | 0.9671% | 2,471 |
| Pretax return on assets | 1.5440% | 1,492 |
| Return on Equity (ROE) | 10.4663% | 1,952 |
| Retained earnings to average equity (ytd only) | 5.7644% | 2,504 |
| Net charge-offs to loans | 0.0158% | 6,460 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 136.7149% | 235 |
| Efficiency ratio | 73.9596% | 3,331 |
| Assets per employee ($millions) | 2.3115% | 7,297 |
| Cash dividends to net income (ytd only)* | 44.9237% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 6,890 |
| Loan loss allowance to noncurrent loans | 136.0947% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0990% | 4,914 |
| Noncurrent loans to loans | 0.6246% | 5,958 |
| Net loans and leases to total assets | 69.2927% | 2,902 |
| Net loans and leases to deposits | 81.8018% | 3,146 |
| Net loans and leases to core deposits | 82.3998% | 4,185 |
| Total domestic deposits to total assets | 84.7080% | 3,768 |
| Equity capital to assets | 9.3613% | 5,035 |
| Core capital (leverage) ratio | 8.8720% | 4,889 |
| Tier 1 risk-based capital ratio | 15.6604% | 2,922 |
| Total risk-based capital ratio | 16.7140% | 2,986 |
| Memoranda: | ||
| Average total assets | $153,445,750 | 3,867 |
| Average earning assets | $140,329,750 | 3,863 |
| Average equity | $14,178,500 | 4,168 |
| Average total loans | $109,739,000 | 3,606 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7998% | 5,799 |
| Cost of funding earning assets | 0.8359% | 6,804 |
| Net interest margin | 3.9640% | 3,189 |
| Noninterest income to average assets | 2.2187% | 305 |
| Noninterest expense to average assets | 4.4139% | 639 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9021% | 2,547 |
| Return on assets (ROA) | 0.9021% | 2,662 |
| Pretax return on assets | 1.4382% | 1,731 |
| Return on Equity (ROE) | 9.8067% | 2,173 |
| Retained earnings to average equity (ytd only) | 2.7004% | 4,419 |
| Net charge-offs to loans | -0.0018% | 7,067 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4245% | 3,175 |
| Assets per employee ($millions) | 2.2413% | 7,403 |
| Cash dividends to net income (ytd only)* | 72.4638% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8337% | 6,951 |
| Loan loss allowance to noncurrent loans | 80.1029% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.8445% | 5,427 |
| Noncurrent loans to loans | 1.0408% | 5,224 |
| Net loans and leases to total assets | 71.8358% | 2,446 |
| Net loans and leases to deposits | 85.8445% | 2,530 |
| Net loans and leases to core deposits | 86.4767% | 3,770 |
| Total domestic deposits to total assets | 83.6812% | 4,253 |
| Equity capital to assets | 9.0954% | 5,301 |
| Core capital (leverage) ratio | 8.6237% | 5,200 |
| Tier 1 risk-based capital ratio | 14.8851% | 3,219 |
| Total risk-based capital ratio | 15.9324% | 3,311 |
| Memoranda: | ||
| Average total assets | $152,970,330 | 3,903 |
| Average earning assets | $140,213,330 | 3,899 |
| Average equity | $14,072,000 | 4,187 |
| Average total loans | $110,240,330 | 3,630 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 5,924 |
| Cost of funding earning assets | 0.8550% | 6,923 |
| Net interest margin | 3.9351% | 3,174 |
| Noninterest income to average assets | 2.5636% | 248 |
| Noninterest expense to average assets | 4.4883% | 586 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0465% | 2,018 |
| Return on assets (ROA) | 1.0465% | 2,079 |
| Pretax return on assets | 1.6696% | 1,117 |
| Return on Equity (ROE) | 11.3108% | 1,689 |
| Retained earnings to average equity (ytd only) | 11.3108% | 862 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8864% | 3,778 |
| Assets per employee ($millions) | 2.3197% | 7,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 7,007 |
| Loan loss allowance to noncurrent loans | 105.7823% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 5,872 |
| Noncurrent loans to loans | 0.7986% | 5,718 |
| Net loans and leases to total assets | 70.4607% | 2,810 |
| Net loans and leases to deposits | 84.1789% | 2,910 |
| Net loans and leases to core deposits | 85.9981% | 3,895 |
| Total domestic deposits to total assets | 83.7035% | 4,299 |
| Equity capital to assets | 9.1841% | 5,007 |
| Core capital (leverage) ratio | 8.7164% | 4,994 |
| Tier 1 risk-based capital ratio | 15.3321% | 2,952 |
| Total risk-based capital ratio | 16.3928% | 3,002 |
| Memoranda: | ||
| Average total assets | $152,130,500 | 3,979 |
| Average earning assets | $138,955,000 | 3,986 |
| Average equity | $14,075,000 | 4,225 |
| Average total loans | $109,346,500 | 3,697 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 5,485 |
| Cost of funding earning assets | 1.2531% | 6,462 |
| Net interest margin | 3.9822% | 2,931 |
| Noninterest income to average assets | 2.4428% | 281 |
| Noninterest expense to average assets | 4.6862% | 658 |
| Loan and lease loss provision to assets | 0.0410% | 7,137 |
| Net operating income to assets | 0.8319% | 2,408 |
| Return on assets (ROA) | 0.9758% | 1,982 |
| Pretax return on assets | 1.5559% | 1,065 |
| Return on Equity (ROE) | 10.1344% | 1,651 |
| Retained earnings to average equity (ytd only) | -3.7046% | 5,824 |
| Net charge-offs to loans | 0.0045% | 7,183 |
| Credit loss provision to net charge-offs | 1,200.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 401.6000% | 71 |
| Efficiency ratio | 77.3517% | 3,300 |
| Assets per employee ($millions) | 2.1571% | 7,606 |
| Cash dividends to net income (ytd only)* | 136.5546% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 6,949 |
| Loan loss allowance to noncurrent loans | 235.0126% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 6,545 |
| Noncurrent loans to loans | 0.3667% | 6,545 |
| Net loans and leases to total assets | 72.1018% | 2,733 |
| Net loans and leases to deposits | 86.7033% | 2,801 |
| Net loans and leases to core deposits | 94.2576% | 4,649 |
| Total domestic deposits to total assets | 83.1592% | 4,447 |
| Equity capital to assets | 9.3227% | 4,675 |
| Core capital (leverage) ratio | 8.9731% | 4,469 |
| Tier 1 risk-based capital ratio | 15.3763% | 2,769 |
| Total risk-based capital ratio | 16.4539% | 2,803 |
| Memoranda: | ||
| Average total assets | $146,346,000 | 4,011 |
| Average earning assets | $132,866,400 | 4,034 |
| Average equity | $14,090,600 | 4,228 |
| Average total loans | $111,144,400 | 3,663 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 5,432 |
| Cost of funding earning assets | 1.3417% | 6,424 |
| Net interest margin | 3.9567% | 3,005 |
| Noninterest income to average assets | 2.5198% | 265 |
| Noninterest expense to average assets | 4.8090% | 559 |
| Loan and lease loss provision to assets | 0.0549% | 6,820 |
| Net operating income to assets | 0.7818% | 2,890 |
| Return on assets (ROA) | 0.9744% | 2,204 |
| Pretax return on assets | 1.5481% | 1,284 |
| Return on Equity (ROE) | 10.0391% | 1,896 |
| Retained earnings to average equity (ytd only) | -3.6292% | 6,051 |
| Net charge-offs to loans | 0.0048% | 6,906 |
| Credit loss provision to net charge-offs | 1,500.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 355.9644% | 106 |
| Efficiency ratio | 78.6944% | 3,051 |
| Assets per employee ($millions) | 2.0466% | 7,762 |
| Cash dividends to net income (ytd only)* | 136.1510% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 6,917 |
| Loan loss allowance to noncurrent loans | 747.2000% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 5,913 |
| Noncurrent loans to loans | 0.1154% | 7,188 |
| Net loans and leases to total assets | 74.9696% | 2,253 |
| Net loans and leases to deposits | 92.7439% | 2,109 |
| Net loans and leases to core deposits | 99.1324% | 4,470 |
| Total domestic deposits to total assets | 80.8351% | 5,142 |
| Equity capital to assets | 9.7891% | 4,363 |
| Core capital (leverage) ratio | 9.4199% | 4,021 |
| Tier 1 risk-based capital ratio | 15.4743% | 2,841 |
| Total risk-based capital ratio | 16.5489% | 2,857 |
| Memoranda: | ||
| Average total assets | $145,722,250 | 4,045 |
| Average earning assets | $132,262,000 | 4,063 |
| Average equity | $14,144,250 | 4,254 |
| Average total loans | $111,868,000 | 3,692 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3567% | 5,371 |
| Cost of funding earning assets | 1.4253% | 6,397 |
| Net interest margin | 3.9313% | 2,970 |
| Noninterest income to average assets | 2.5522% | 258 |
| Noninterest expense to average assets | 4.7986% | 594 |
| Loan and lease loss provision to assets | 0.0819% | 6,365 |
| Net operating income to assets | 0.7703% | 2,969 |
| Return on assets (ROA) | 1.0577% | 1,997 |
| Pretax return on assets | 1.6855% | 1,042 |
| Return on Equity (ROE) | 10.9276% | 1,718 |
| Retained earnings to average equity (ytd only) | -9.5175% | 6,822 |
| Net charge-offs to loans | 0.0035% | 6,571 |
| Credit loss provision to net charge-offs | 3,000.0000% | 164 |
| Earnings coverage of net charge-offs (x) | 483.0000% | 64 |
| Efficiency ratio | 78.4471% | 3,286 |
| Assets per employee ($millions) | 2.0471% | 7,820 |
| Cash dividends to net income (ytd only)* | 187.0968% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 6,979 |
| Loan loss allowance to noncurrent loans | 350.5618% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 5,679 |
| Noncurrent loans to loans | 0.2428% | 6,905 |
| Net loans and leases to total assets | 73.9852% | 2,704 |
| Net loans and leases to deposits | 92.3986% | 2,394 |
| Net loans and leases to core deposits | 98.8748% | 4,611 |
| Total domestic deposits to total assets | 80.0718% | 5,448 |
| Equity capital to assets | 9.3175% | 4,844 |
| Core capital (leverage) ratio | 8.9578% | 4,701 |
| Tier 1 risk-based capital ratio | 14.9701% | 3,030 |
| Total risk-based capital ratio | 16.0349% | 3,040 |
| Memoranda: | ||
| Average total assets | $146,542,330 | 4,061 |
| Average earning assets | $132,881,330 | 4,085 |
| Average equity | $14,184,330 | 4,265 |
| Average total loans | $113,045,000 | 3,699 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 5,163 |
| Cost of funding earning assets | 1.4972% | 6,407 |
| Net interest margin | 3.9563% | 2,830 |
| Noninterest income to average assets | 2.3187% | 278 |
| Noninterest expense to average assets | 4.6483% | 619 |
| Loan and lease loss provision to assets | 0.1642% | 4,829 |
| Net operating income to assets | 0.6692% | 3,712 |
| Return on assets (ROA) | 1.2456% | 1,627 |
| Pretax return on assets | 1.9874% | 676 |
| Return on Equity (ROE) | 12.6301% | 1,477 |
| Retained earnings to average equity (ytd only) | 0.1388% | 5,605 |
| Net charge-offs to loans | 0.0070% | 5,586 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 228.5000% | 185 |
| Efficiency ratio | 78.7935% | 3,034 |
| Assets per employee ($millions) | 2.0559% | 7,851 |
| Cash dividends to net income (ytd only)* | 98.9011% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 7,058 |
| Loan loss allowance to noncurrent loans | 305.8824% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 4,937 |
| Noncurrent loans to loans | 0.2703% | 6,759 |
| Net loans and leases to total assets | 74.8204% | 2,550 |
| Net loans and leases to deposits | 93.3067% | 2,383 |
| Net loans and leases to core deposits | 101.0466% | 4,433 |
| Total domestic deposits to total assets | 80.1876% | 5,292 |
| Equity capital to assets | 9.6030% | 4,524 |
| Core capital (leverage) ratio | 9.2513% | 4,317 |
| Tier 1 risk-based capital ratio | 15.4319% | 2,881 |
| Total risk-based capital ratio | 16.4756% | 2,912 |
| Memoranda: | ||
| Average total assets | $146,119,000 | 4,074 |
| Average earning assets | $132,246,000 | 4,102 |
| Average equity | $14,410,000 | 4,245 |
| Average total loans | $114,576,500 | 3,682 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1276% | 4,911 |
| Cost of funding earning assets | 1.9610% | 6,532 |
| Net interest margin | 4.1665% | 2,447 |
| Noninterest income to average assets | 2.1865% | 299 |
| Noninterest expense to average assets | 4.6707% | 784 |
| Loan and lease loss provision to assets | 0.0922% | 6,215 |
| Net operating income to assets | 0.7507% | 3,664 |
| Return on assets (ROA) | 0.8363% | 3,123 |
| Pretax return on assets | 1.3129% | 2,269 |
| Return on Equity (ROE) | 8.5641% | 2,805 |
| Retained earnings to average equity (ytd only) | 5.6806% | 1,676 |
| Net charge-offs to loans | 0.1796% | 4,400 |
| Credit loss provision to net charge-offs | 63.5922% | 6,181 |
| Earnings coverage of net charge-offs (x) | 8.7670% | 2,824 |
| Efficiency ratio | 78.6044% | 2,823 |
| Assets per employee ($millions) | 1.8462% | 8,016 |
| Cash dividends to net income (ytd only)* | 33.6700% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 7,256 |
| Loan loss allowance to noncurrent loans | 290.7285% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 3,905 |
| Noncurrent loans to loans | 0.2605% | 6,597 |
| Net loans and leases to total assets | 80.9299% | 1,459 |
| Net loans and leases to deposits | 103.0563% | 1,458 |
| Net loans and leases to core deposits | 112.4974% | 3,511 |
| Total domestic deposits to total assets | 78.5298% | 5,533 |
| Equity capital to assets | 10.1351% | 3,880 |
| Core capital (leverage) ratio | 9.7649% | 3,691 |
| Tier 1 risk-based capital ratio | 15.0389% | 3,025 |
| Total risk-based capital ratio | 15.9934% | 3,101 |
| Memoranda: | ||
| Average total assets | $142,056,000 | 4,044 |
| Average earning assets | $128,044,200 | 4,083 |
| Average equity | $13,871,800 | 4,371 |
| Average total loans | $114,674,200 | 3,570 |