Home > First State Bank and Trust > Performance and Condition Ratios
First State Bank and Trust, 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 | 4.5744% | 2,959 |
| Cost of funding earning assets | 1.1360% | 2,969 |
| Net interest margin | 3.4384% | 2,328 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 3.2866% | 750 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.6764% | 3,249 |
| Return on assets (ROA) | 0.6739% | 3,239 |
| Pretax return on assets | 0.8394% | 3,116 |
| Return on Equity (ROE) | 9.1300% | 2,725 |
| Retained earnings to average equity (ytd only) | 5.4789% | 2,411 |
| Net charge-offs to loans | -0.0048% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.0795% | 1,063 |
| Assets per employee ($millions) | 4.5909% | 3,894 |
| Cash dividends to net income (ytd only)* | 39.9867% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,061 |
| Loan loss allowance to noncurrent loans | 1,593.9252% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,279 |
| Noncurrent loans to loans | 0.0660% | 3,240 |
| Net loans and leases to total assets | 71.3400% | 1,661 |
| Net loans and leases to deposits | 81.8431% | 1,960 |
| Net loans and leases to core deposits | 84.7854% | 2,397 |
| Total domestic deposits to total assets | 87.1700% | 1,622 |
| Equity capital to assets | 7.7849% | 3,552 |
| Core capital (leverage) ratio | 8.4334% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9314% | 2,606 |
| Memoranda: | ||
| Average total assets | $445,319,400 | 1,876 |
| Average earning assets | $415,773,000 | 1,851 |
| Average equity | $32,871,600 | 2,148 |
| Average total loans | $312,001,000 | 1,749 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4439% | 3,016 |
| Cost of funding earning assets | 1.0824% | 2,795 |
| Net interest margin | 3.3615% | 2,542 |
| Noninterest income to average assets | 0.9600% | 686 |
| Noninterest expense to average assets | 3.2644% | 754 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.6080% | 3,526 |
| Return on assets (ROA) | 0.6046% | 3,524 |
| Pretax return on assets | 0.7480% | 3,454 |
| Return on Equity (ROE) | 8.3000% | 3,108 |
| Retained earnings to average equity (ytd only) | 4.3875% | 3,152 |
| Net charge-offs to loans | -0.0056% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.6703% | 874 |
| Assets per employee ($millions) | 4.5557% | 3,906 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 3,185 |
| Loan loss allowance to noncurrent loans | 1,287.2093% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,235 |
| Noncurrent loans to loans | 0.0804% | 3,187 |
| Net loans and leases to total assets | 71.1400% | 1,676 |
| Net loans and leases to deposits | 80.2470% | 2,024 |
| Net loans and leases to core deposits | 82.5265% | 2,434 |
| Total domestic deposits to total assets | 88.6600% | 1,355 |
| Equity capital to assets | 7.1342% | 3,550 |
| Core capital (leverage) ratio | 8.2241% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8300% | 2,660 |
| Memoranda: | ||
| Average total assets | $444,172,000 | 1,878 |
| Average earning assets | $415,003,750 | 1,852 |
| Average equity | $32,333,250 | 2,155 |
| Average total loans | $308,908,250 | 1,760 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2742% | 3,144 |
| Cost of funding earning assets | 1.0055% | 2,588 |
| Net interest margin | 3.2687% | 2,824 |
| Noninterest income to average assets | 0.9000% | 691 |
| Noninterest expense to average assets | 3.2137% | 779 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.5537% | 3,692 |
| Return on assets (ROA) | 0.5485% | 3,711 |
| Pretax return on assets | 0.6730% | 3,657 |
| Return on Equity (ROE) | 7.4800% | 3,367 |
| Retained earnings to average equity (ytd only) | 3.1760% | 3,424 |
| Net charge-offs to loans | -0.0066% | 3,783 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.1411% | 770 |
| Assets per employee ($millions) | 4.6290% | 3,873 |
| Cash dividends to net income (ytd only)* | 57.5658% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,219 |
| Loan loss allowance to noncurrent loans | 1,336.4754% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,237 |
| Noncurrent loans to loans | 0.0782% | 3,125 |
| Net loans and leases to total assets | 68.0600% | 1,953 |
| Net loans and leases to deposits | 75.1422% | 2,393 |
| Net loans and leases to core deposits | 77.1711% | 2,675 |
| Total domestic deposits to total assets | 90.5800% | 759 |
| Equity capital to assets | 7.2341% | 3,673 |
| Core capital (leverage) ratio | 8.1514% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8125% | 2,679 |
| Memoranda: | ||
| Average total assets | $443,411,000 | 1,879 |
| Average earning assets | $414,909,667 | 1,859 |
| Average equity | $32,494,000 | 2,167 |
| Average total loans | $304,894,333 | 1,756 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1777% | 3,089 |
| Cost of funding earning assets | 0.9262% | 2,289 |
| Net interest margin | 3.2515% | 2,989 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 3.2316% | 765 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.5079% | 3,879 |
| Return on assets (ROA) | 0.4974% | 3,872 |
| Pretax return on assets | 0.6051% | 3,827 |
| Return on Equity (ROE) | 6.7400% | 3,582 |
| Retained earnings to average equity (ytd only) | 2.4124% | 3,624 |
| Net charge-offs to loans | -0.0053% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.4831% | 676 |
| Assets per employee ($millions) | 4.6270% | 3,941 |
| Cash dividends to net income (ytd only)* | 64.2202% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 3,290 |
| Loan loss allowance to noncurrent loans | 1,574.2574% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 3,329 |
| Noncurrent loans to loans | 0.0668% | 3,254 |
| Net loans and leases to total assets | 67.4100% | 1,909 |
| Net loans and leases to deposits | 74.3900% | 2,266 |
| Net loans and leases to core deposits | 75.8845% | 2,540 |
| Total domestic deposits to total assets | 90.6100% | 940 |
| Equity capital to assets | 7.4029% | 3,618 |
| Core capital (leverage) ratio | 8.2323% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1175% | 2,691 |
| Memoranda: | ||
| Average total assets | $438,294,500 | 1,913 |
| Average earning assets | $411,135,000 | 1,898 |
| Average equity | $32,332,500 | 2,202 |
| Average total loans | $301,327,500 | 1,786 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5907% | 2,830 |
| Cost of funding earning assets | 0.3728% | 2,306 |
| Net interest margin | 3.2178% | 2,816 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 3.2310% | 685 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.7104% | 3,588 |
| Return on assets (ROA) | 0.7104% | 3,532 |
| Pretax return on assets | 0.8889% | 3,395 |
| Return on Equity (ROE) | 9.6900% | 2,911 |
| Retained earnings to average equity (ytd only) | 9.6856% | 1,244 |
| Net charge-offs to loans | -0.0255% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.9201% | 927 |
| Assets per employee ($millions) | 4.3240% | 4,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,181 |
| Loan loss allowance to noncurrent loans | 1,490.8654% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 3,326 |
| Noncurrent loans to loans | 0.0693% | 3,255 |
| Net loans and leases to total assets | 68.6800% | 1,767 |
| Net loans and leases to deposits | 76.7472% | 2,055 |
| Net loans and leases to core deposits | 77.6939% | 2,302 |
| Total domestic deposits to total assets | 89.4900% | 1,562 |
| Equity capital to assets | 7.3502% | 3,463 |
| Core capital (leverage) ratio | 8.1839% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1933% | 2,675 |
| Memoranda: | ||
| Average total assets | $429,624,000 | 1,922 |
| Average earning assets | $404,465,200 | 1,899 |
| Average equity | $31,510,600 | 2,272 |
| Average total loans | $286,803,200 | 1,783 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3999% | 2,923 |
| Cost of funding earning assets | 0.2862% | 2,319 |
| Net interest margin | 3.1137% | 2,892 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 3.2266% | 663 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.7078% | 3,547 |
| Return on assets (ROA) | 0.7078% | 3,500 |
| Pretax return on assets | 0.8859% | 3,357 |
| Return on Equity (ROE) | 9.6600% | 2,825 |
| Retained earnings to average equity (ytd only) | 9.6554% | 1,442 |
| Net charge-offs to loans | -0.0339% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.9915% | 1,000 |
| Assets per employee ($millions) | 4.5986% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,384 |
| Loan loss allowance to noncurrent loans | 1,411.2676% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,412 |
| Noncurrent loans to loans | 0.0722% | 3,359 |
| Net loans and leases to total assets | 66.8200% | 1,803 |
| Net loans and leases to deposits | 73.3401% | 2,102 |
| Net loans and leases to core deposits | 74.3626% | 2,322 |
| Total domestic deposits to total assets | 91.1100% | 1,193 |
| Equity capital to assets | 6.8382% | 3,594 |
| Core capital (leverage) ratio | 7.9623% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2364% | 2,738 |
| Memoranda: | ||
| Average total assets | $428,930,250 | 1,935 |
| Average earning assets | $403,887,500 | 1,911 |
| Average equity | $31,442,750 | 2,302 |
| Average total loans | $283,488,500 | 1,792 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2328% | 2,947 |
| Cost of funding earning assets | 0.2352% | 2,445 |
| Net interest margin | 2.9976% | 2,884 |
| Noninterest income to average assets | 1.1870% | 483 |
| Noninterest expense to average assets | 3.1969% | 635 |
| Loan and lease loss provision to assets | 0.0840% | 1,182 |
| Net operating income to assets | 0.5874% | 3,662 |
| Return on assets (ROA) | 0.5874% | 3,611 |
| Pretax return on assets | 0.7286% | 3,502 |
| Return on Equity (ROE) | 7.8334% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.8334% | 1,679 |
| Net charge-offs to loans | -0.0493% | 4,233 |
| Credit loss provision to net charge-offs | -259.4203% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7332% | 966 |
| Assets per employee ($millions) | 4.4032% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 3,627 |
| Loan loss allowance to noncurrent loans | 3,530.1205% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 3,818 |
| Noncurrent loans to loans | 0.0281% | 3,745 |
| Net loans and leases to total assets | 66.9772% | 1,588 |
| Net loans and leases to deposits | 73.2348% | 1,940 |
| Net loans and leases to core deposits | 74.2432% | 2,152 |
| Total domestic deposits to total assets | 91.4554% | 1,042 |
| Equity capital to assets | 7.0895% | 3,720 |
| Core capital (leverage) ratio | 7.8628% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5423% | 2,915 |
| Memoranda: | ||
| Average total assets | $426,284,667 | 1,953 |
| Average earning assets | $401,385,333 | 1,939 |
| Average equity | $31,965,667 | 2,314 |
| Average total loans | $279,680,667 | 1,809 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1468% | 2,838 |
| Cost of funding earning assets | 0.2116% | 2,647 |
| Net interest margin | 2.9352% | 2,723 |
| Noninterest income to average assets | 0.9453% | 766 |
| Noninterest expense to average assets | 3.2439% | 572 |
| Loan and lease loss provision to assets | 0.0218% | 1,961 |
| Net operating income to assets | 0.3711% | 4,019 |
| Return on assets (ROA) | 0.3711% | 3,981 |
| Pretax return on assets | 0.4442% | 3,961 |
| Return on Equity (ROE) | 4.8128% | 3,667 |
| Retained earnings to average equity (ytd only) | 4.8128% | 2,658 |
| Net charge-offs to loans | -0.0941% | 4,443 |
| Credit loss provision to net charge-offs | -35.9375% | 2,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4392% | 662 |
| Assets per employee ($millions) | 4.4734% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,711 |
| Loan loss allowance to noncurrent loans | 69,225.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,116 |
| Noncurrent loans to loans | 0.0014% | 4,047 |
| Net loans and leases to total assets | 63.6063% | 1,667 |
| Net loans and leases to deposits | 69.9052% | 1,975 |
| Net loans and leases to core deposits | 71.0308% | 2,208 |
| Total domestic deposits to total assets | 90.9894% | 1,040 |
| Equity capital to assets | 7.3096% | 4,043 |
| Core capital (leverage) ratio | 7.8005% | 4,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5642% | 2,754 |
| Memoranda: | ||
| Average total assets | $421,470,000 | 1,978 |
| Average earning assets | $396,973,500 | 1,965 |
| Average equity | $32,496,500 | 2,357 |
| Average total loans | $272,074,500 | 1,828 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 2,734 |
| Cost of funding earning assets | 0.2276% | 3,166 |
| Net interest margin | 3.2477% | 2,470 |
| Noninterest income to average assets | 1.2543% | 674 |
| Noninterest expense to average assets | 3.2927% | 640 |
| Loan and lease loss provision to assets | 0.0224% | 2,619 |
| Net operating income to assets | 0.7698% | 3,423 |
| Return on assets (ROA) | 0.8063% | 3,390 |
| Pretax return on assets | 1.0143% | 3,218 |
| Return on Equity (ROE) | 9.8572% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.8572% | 955 |
| Net charge-offs to loans | 0.1390% | 669 |
| Credit loss provision to net charge-offs | 25.7971% | 2,254 |
| Earnings coverage of net charge-offs (x) | 11.4261% | 2,156 |
| Efficiency ratio | 76.8757% | 1,039 |
| Assets per employee ($millions) | 4.3072% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,754 |
| Loan loss allowance to noncurrent loans | 44,700.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,189 |
| Noncurrent loans to loans | 0.0022% | 4,112 |
| Net loans and leases to total assets | 64.2194% | 1,676 |
| Net loans and leases to deposits | 71.1623% | 2,000 |
| Net loans and leases to core deposits | 72.4668% | 2,215 |
| Total domestic deposits to total assets | 90.2435% | 845 |
| Equity capital to assets | 8.1265% | 4,288 |
| Core capital (leverage) ratio | 7.8945% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9151% | 2,658 |
| Memoranda: | ||
| Average total assets | $398,003,200 | 1,997 |
| Average earning assets | $371,185,000 | 1,999 |
| Average equity | $32,554,800 | 2,404 |
| Average total loans | $248,149,600 | 1,940 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 2,655 |
| Cost of funding earning assets | 0.2320% | 3,303 |
| Net interest margin | 3.3301% | 2,338 |
| Noninterest income to average assets | 1.2249% | 763 |
| Noninterest expense to average assets | 3.2493% | 651 |
| Loan and lease loss provision to assets | 0.0030% | 2,908 |
| Net operating income to assets | 0.8476% | 3,396 |
| Return on assets (ROA) | 0.8968% | 3,331 |
| Pretax return on assets | 1.1329% | 3,128 |
| Return on Equity (ROE) | 10.9453% | 2,384 |
| Retained earnings to average equity (ytd only) | 10.9453% | 1,073 |
| Net charge-offs to loans | -0.0104% | 3,687 |
| Credit loss provision to net charge-offs | -47.3684% | 3,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1624% | 1,107 |
| Assets per employee ($millions) | 4.2579% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0971% | 3,455 |
| Loan loss allowance to noncurrent loans | 49,433.3333% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,283 |
| Noncurrent loans to loans | 0.0022% | 4,207 |
| Net loans and leases to total assets | 66.1009% | 1,533 |
| Net loans and leases to deposits | 73.2471% | 1,934 |
| Net loans and leases to core deposits | 74.5229% | 2,183 |
| Total domestic deposits to total assets | 90.2437% | 662 |
| Equity capital to assets | 8.2356% | 4,393 |
| Core capital (leverage) ratio | 7.8742% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7331% | 2,794 |
| Memoranda: | ||
| Average total assets | $394,131,750 | 2,028 |
| Average earning assets | $366,661,750 | 2,035 |
| Average equity | $32,293,000 | 2,444 |
| Average total loans | $243,131,500 | 2,000 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 2,219 |
| Cost of funding earning assets | 0.2358% | 3,424 |
| Net interest margin | 3.5078% | 1,839 |
| Noninterest income to average assets | 1.2046% | 798 |
| Noninterest expense to average assets | 3.2293% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9781% | 2,967 |
| Return on assets (ROA) | 1.0525% | 2,786 |
| Pretax return on assets | 1.3361% | 2,531 |
| Return on Equity (ROE) | 12.8689% | 1,761 |
| Retained earnings to average equity (ytd only) | 12.8689% | 745 |
| Net charge-offs to loans | -0.0265% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2235% | 1,416 |
| Assets per employee ($millions) | 4.2806% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,751 |
| Loan loss allowance to noncurrent loans | 42,414.2857% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,326 |
| Noncurrent loans to loans | 0.0029% | 4,253 |
| Net loans and leases to total assets | 58.3730% | 2,614 |
| Net loans and leases to deposits | 64.7304% | 2,925 |
| Net loans and leases to core deposits | 65.8540% | 3,125 |
| Total domestic deposits to total assets | 90.1787% | 689 |
| Equity capital to assets | 8.0699% | 4,490 |
| Core capital (leverage) ratio | 7.8047% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3702% | 2,215 |
| Memoranda: | ||
| Average total assets | $390,676,333 | 2,036 |
| Average earning assets | $363,820,333 | 2,041 |
| Average equity | $31,953,000 | 2,449 |
| Average total loans | $234,061,000 | 2,068 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2158% | 3,656 |
| Cost of funding earning assets | 0.2455% | 3,514 |
| Net interest margin | 2.9704% | 3,333 |
| Noninterest income to average assets | 2.1563% | 331 |
| Noninterest expense to average assets | 3.2925% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2654% | 1,934 |
| Return on assets (ROA) | 1.4173% | 1,601 |
| Pretax return on assets | 1.8135% | 1,266 |
| Return on Equity (ROE) | 17.2076% | 818 |
| Retained earnings to average equity (ytd only) | 17.2076% | 407 |
| Net charge-offs to loans | -0.0277% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0070% | 2,084 |
| Assets per employee ($millions) | 4.3095% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 3,833 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 57.2954% | 2,876 |
| Net loans and leases to deposits | 63.6161% | 3,162 |
| Net loans and leases to core deposits | 64.6259% | 3,356 |
| Total domestic deposits to total assets | 90.0643% | 793 |
| Equity capital to assets | 8.0023% | 4,484 |
| Core capital (leverage) ratio | 8.0845% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6050% | 2,043 |
| Memoranda: | ||
| Average total assets | $382,686,000 | 2,052 |
| Average earning assets | $355,244,000 | 2,057 |
| Average equity | $31,521,000 | 2,463 |
| Average total loans | $230,918,000 | 2,092 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 2,375 |
| Cost of funding earning assets | 0.3540% | 3,854 |
| Net interest margin | 3.7625% | 1,609 |
| Noninterest income to average assets | 1.4737% | 560 |
| Noninterest expense to average assets | 3.5845% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0714% | 2,020 |
| Return on assets (ROA) | 1.1906% | 1,690 |
| Pretax return on assets | 1.5152% | 1,286 |
| Return on Equity (ROE) | 14.0735% | 797 |
| Retained earnings to average equity (ytd only) | 13.4614% | 219 |
| Net charge-offs to loans | -0.0049% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4321% | 1,629 |
| Assets per employee ($millions) | 4.0064% | 4,373 |
| Cash dividends to net income (ytd only)* | 4.3489% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 2,506 |
| Loan loss allowance to noncurrent loans | 17,282.3529% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 3,505 |
| Noncurrent loans to loans | 0.0074% | 4,359 |
| Net loans and leases to total assets | 62.0737% | 2,596 |
| Net loans and leases to deposits | 69.3753% | 2,948 |
| Net loans and leases to core deposits | 70.6578% | 3,214 |
| Total domestic deposits to total assets | 89.4752% | 778 |
| Equity capital to assets | 8.4946% | 4,443 |
| Core capital (leverage) ratio | 7.9450% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9334% | 2,263 |
| Memoranda: | ||
| Average total assets | $337,985,200 | 2,105 |
| Average earning assets | $312,162,200 | 2,103 |
| Average equity | $28,592,800 | 2,561 |
| Average total loans | $222,951,600 | 2,088 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,086 |
| Cost of funding earning assets | 0.3772% | 3,923 |
| Net interest margin | 3.9276% | 1,287 |
| Noninterest income to average assets | 1.5573% | 490 |
| Noninterest expense to average assets | 3.6087% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2376% | 1,525 |
| Return on assets (ROA) | 1.3654% | 1,289 |
| Pretax return on assets | 1.7476% | 875 |
| Return on Equity (ROE) | 16.1576% | 535 |
| Retained earnings to average equity (ytd only) | 15.3242% | 183 |
| Net charge-offs to loans | -0.0006% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4709% | 1,965 |
| Assets per employee ($millions) | 3.8575% | 4,435 |
| Cash dividends to net income (ytd only)* | 5.1577% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 2,211 |
| Loan loss allowance to noncurrent loans | 15,410.5263% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 3,242 |
| Noncurrent loans to loans | 0.0083% | 4,415 |
| Net loans and leases to total assets | 63.3022% | 2,849 |
| Net loans and leases to deposits | 71.3003% | 3,195 |
| Net loans and leases to core deposits | 72.7587% | 3,413 |
| Total domestic deposits to total assets | 88.7825% | 867 |
| Equity capital to assets | 8.4992% | 4,466 |
| Core capital (leverage) ratio | 7.9743% | 4,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9449% | 2,231 |
| Memoranda: | ||
| Average total assets | $331,335,000 | 2,112 |
| Average earning assets | $306,849,500 | 2,118 |
| Average equity | $27,998,500 | 2,598 |
| Average total loans | $221,377,000 | 2,096 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 1,663 |
| Cost of funding earning assets | 0.4147% | 3,972 |
| Net interest margin | 4.1761% | 973 |
| Noninterest income to average assets | 1.4319% | 512 |
| Noninterest expense to average assets | 3.8036% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1635% | 1,751 |
| Return on assets (ROA) | 1.3423% | 1,340 |
| Pretax return on assets | 1.7213% | 956 |
| Return on Equity (ROE) | 15.9182% | 579 |
| Retained earnings to average equity (ytd only) | 14.6350% | 240 |
| Net charge-offs to loans | 0.0073% | 2,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 302.2500% | 319 |
| Efficiency ratio | 71.7853% | 1,716 |
| Assets per employee ($millions) | 3.9554% | 4,353 |
| Cash dividends to net income (ytd only)* | 8.0608% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,213 |
| Loan loss allowance to noncurrent loans | 13,900.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.2393% | 3,363 |
| Noncurrent loans to loans | 0.0090% | 4,481 |
| Net loans and leases to total assets | 64.3671% | 2,837 |
| Net loans and leases to deposits | 72.0685% | 3,254 |
| Net loans and leases to core deposits | 73.5582% | 3,487 |
| Total domestic deposits to total assets | 89.3138% | 639 |
| Equity capital to assets | 8.0922% | 4,674 |
| Core capital (leverage) ratio | 7.9859% | 4,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1644% | 2,539 |
| Memoranda: | ||
| Average total assets | $323,482,333 | 2,127 |
| Average earning assets | $299,515,333 | 2,130 |
| Average equity | $27,277,000 | 2,627 |
| Average total loans | $219,308,333 | 2,090 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 2,706 |
| Cost of funding earning assets | 0.5051% | 3,919 |
| Net interest margin | 3.8689% | 1,763 |
| Noninterest income to average assets | 1.3124% | 519 |
| Noninterest expense to average assets | 4.0816% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6473% | 3,455 |
| Return on assets (ROA) | 0.6952% | 3,358 |
| Pretax return on assets | 0.8710% | 3,220 |
| Return on Equity (ROE) | 8.0567% | 2,495 |
| Retained earnings to average equity (ytd only) | 5.4164% | 2,107 |
| Net charge-offs to loans | 0.0150% | 2,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 77.8750% | 681 |
| Efficiency ratio | 83.4220% | 870 |
| Assets per employee ($millions) | 3.5738% | 4,415 |
| Cash dividends to net income (ytd only)* | 32.7715% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 1,908 |
| Loan loss allowance to noncurrent loans | 10,065.5172% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 3,375 |
| Noncurrent loans to loans | 0.0134% | 4,515 |
| Net loans and leases to total assets | 67.0377% | 2,698 |
| Net loans and leases to deposits | 75.4654% | 3,124 |
| Net loans and leases to core deposits | 77.1479% | 3,419 |
| Total domestic deposits to total assets | 88.8323% | 739 |
| Equity capital to assets | 8.4859% | 4,841 |
| Core capital (leverage) ratio | 8.2881% | 4,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6964% | 2,843 |
| Memoranda: | ||
| Average total assets | $307,232,000 | 2,163 |
| Average earning assets | $284,321,500 | 2,171 |
| Average equity | $26,512,000 | 2,672 |
| Average total loans | $212,935,000 | 2,102 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 2,738 |
| Cost of funding earning assets | 0.5054% | 4,072 |
| Net interest margin | 4.0572% | 1,656 |
| Noninterest income to average assets | 1.2549% | 601 |
| Noninterest expense to average assets | 3.9914% | 536 |
| Loan and lease loss provision to assets | 0.0024% | 3,948 |
| Net operating income to assets | 0.7756% | 3,632 |
| Return on assets (ROA) | 0.7756% | 3,709 |
| Pretax return on assets | 0.9782% | 3,519 |
| Return on Equity (ROE) | 9.0123% | 2,751 |
| Retained earnings to average equity (ytd only) | 3.0649% | 3,489 |
| Net charge-offs to loans | 0.0123% | 3,245 |
| Credit loss provision to net charge-offs | 28.0000% | 3,285 |
| Earnings coverage of net charge-offs (x) | 114.9600% | 605 |
| Efficiency ratio | 80.2772% | 920 |
| Assets per employee ($millions) | 3.2933% | 4,647 |
| Cash dividends to net income (ytd only)* | 65.9921% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 1,534 |
| Loan loss allowance to noncurrent loans | 9,756.6667% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 2,808 |
| Noncurrent loans to loans | 0.0143% | 4,524 |
| Net loans and leases to total assets | 69.7711% | 2,437 |
| Net loans and leases to deposits | 77.9831% | 3,005 |
| Net loans and leases to core deposits | 79.7395% | 3,318 |
| Total domestic deposits to total assets | 89.4695% | 499 |
| Equity capital to assets | 8.7832% | 4,793 |
| Core capital (leverage) ratio | 8.3066% | 4,943 |
| Tier 1 risk-based capital ratio | 11.6482% | 4,548 |
| Total risk-based capital ratio | 12.8993% | 4,440 |
| Memoranda: | ||
| Average total assets | $293,081,400 | 2,202 |
| Average earning assets | $268,511,000 | 2,221 |
| Average equity | $25,221,200 | 2,701 |
| Average total loans | $203,063,200 | 2,148 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 2,875 |
| Cost of funding earning assets | 0.5075% | 4,110 |
| Net interest margin | 4.0481% | 1,773 |
| Noninterest income to average assets | 1.2300% | 604 |
| Noninterest expense to average assets | 4.0224% | 515 |
| Loan and lease loss provision to assets | 0.0032% | 3,800 |
| Net operating income to assets | 0.7194% | 3,949 |
| Return on assets (ROA) | 0.7194% | 4,016 |
| Pretax return on assets | 0.9051% | 3,864 |
| Return on Equity (ROE) | 8.4043% | 3,154 |
| Retained earnings to average equity (ytd only) | 2.4088% | 4,138 |
| Net charge-offs to loans | 0.0192% | 2,733 |
| Credit loss provision to net charge-offs | 24.1379% | 2,943 |
| Earnings coverage of net charge-offs (x) | 68.6475% | 970 |
| Efficiency ratio | 81.5785% | 788 |
| Assets per employee ($millions) | 3.3284% | 4,649 |
| Cash dividends to net income (ytd only)* | 71.3380% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 1,632 |
| Loan loss allowance to noncurrent loans | 601.4403% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.4397% | 2,763 |
| Noncurrent loans to loans | 0.2304% | 3,720 |
| Net loans and leases to total assets | 69.4464% | 2,561 |
| Net loans and leases to deposits | 77.7297% | 3,127 |
| Net loans and leases to core deposits | 79.4642% | 3,427 |
| Total domestic deposits to total assets | 89.3436% | 505 |
| Equity capital to assets | 8.6171% | 4,960 |
| Core capital (leverage) ratio | 8.2257% | 5,056 |
| Tier 1 risk-based capital ratio | 11.3861% | 4,728 |
| Total risk-based capital ratio | 12.6369% | 4,625 |
| Memoranda: | ||
| Average total assets | $292,253,000 | 2,223 |
| Average earning assets | $267,180,250 | 2,243 |
| Average equity | $25,018,250 | 2,731 |
| Average total loans | $201,397,750 | 2,170 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 3,003 |
| Cost of funding earning assets | 0.5018% | 4,107 |
| Net interest margin | 4.0023% | 1,911 |
| Noninterest income to average assets | 1.2477% | 556 |
| Noninterest expense to average assets | 4.0018% | 538 |
| Loan and lease loss provision to assets | 0.0048% | 3,626 |
| Net operating income to assets | 0.7115% | 3,970 |
| Return on assets (ROA) | 0.7115% | 4,027 |
| Pretax return on assets | 0.8957% | 3,860 |
| Return on Equity (ROE) | 8.3302% | 3,145 |
| Retained earnings to average equity (ytd only) | 2.2704% | 4,030 |
| Net charge-offs to loans | 0.0050% | 2,976 |
| Credit loss provision to net charge-offs | 140.0000% | 1,565 |
| Earnings coverage of net charge-offs (x) | 261.0000% | 310 |
| Efficiency ratio | 81.6301% | 828 |
| Assets per employee ($millions) | 3.4174% | 4,587 |
| Cash dividends to net income (ytd only)* | 72.7449% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4469% | 1,435 |
| Loan loss allowance to noncurrent loans | 887.6506% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 2,024 |
| Noncurrent loans to loans | 0.1630% | 3,968 |
| Net loans and leases to total assets | 67.5120% | 2,884 |
| Net loans and leases to deposits | 74.6011% | 3,466 |
| Net loans and leases to core deposits | 75.8388% | 3,746 |
| Total domestic deposits to total assets | 90.4973% | 190 |
| Equity capital to assets | 8.5431% | 5,023 |
| Core capital (leverage) ratio | 8.3608% | 5,037 |
| Tier 1 risk-based capital ratio | 11.5781% | 4,644 |
| Total risk-based capital ratio | 12.8294% | 4,537 |
| Memoranda: | ||
| Average total assets | $289,818,670 | 2,237 |
| Average earning assets | $264,645,670 | 2,274 |
| Average equity | $24,753,330 | 2,747 |
| Average total loans | $198,212,330 | 2,199 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 2,964 |
| Cost of funding earning assets | 0.4896% | 4,110 |
| Net interest margin | 3.9828% | 1,899 |
| Noninterest income to average assets | 1.1997% | 562 |
| Noninterest expense to average assets | 4.0466% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6250% | 4,164 |
| Return on assets (ROA) | 0.6250% | 4,208 |
| Pretax return on assets | 0.7816% | 4,091 |
| Return on Equity (ROE) | 7.3189% | 3,539 |
| Retained earnings to average equity (ytd only) | 1.1789% | 4,278 |
| Net charge-offs to loans | 0.0164% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 69.8750% | 846 |
| Efficiency ratio | 83.8112% | 721 |
| Assets per employee ($millions) | 3.4125% | 4,642 |
| Cash dividends to net income (ytd only)* | 83.8926% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,322 |
| Loan loss allowance to noncurrent loans | 764.8438% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.9909% | 1,411 |
| Noncurrent loans to loans | 0.1968% | 3,886 |
| Net loans and leases to total assets | 65.4871% | 3,115 |
| Net loans and leases to deposits | 72.2727% | 3,584 |
| Net loans and leases to core deposits | 73.3325% | 3,836 |
| Total domestic deposits to total assets | 90.6112% | 251 |
| Equity capital to assets | 8.4143% | 5,035 |
| Core capital (leverage) ratio | 8.4623% | 5,029 |
| Tier 1 risk-based capital ratio | 11.8868% | 4,523 |
| Total risk-based capital ratio | 13.1391% | 4,427 |
| Memoranda: | ||
| Average total assets | $286,070,000 | 2,275 |
| Average earning assets | $260,622,000 | 2,312 |
| Average equity | $24,430,000 | 2,766 |
| Average total loans | $195,483,000 | 2,243 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 2,655 |
| Cost of funding earning assets | 0.4272% | 3,814 |
| Net interest margin | 4.0063% | 1,966 |
| Noninterest income to average assets | 1.1584% | 689 |
| Noninterest expense to average assets | 3.9781% | 547 |
| Loan and lease loss provision to assets | 0.0035% | 4,035 |
| Net operating income to assets | 0.6519% | 4,278 |
| Return on assets (ROA) | 0.6519% | 4,288 |
| Pretax return on assets | 0.8164% | 4,125 |
| Return on Equity (ROE) | 7.7798% | 3,532 |
| Retained earnings to average equity (ytd only) | 3.5768% | 3,617 |
| Net charge-offs to loans | -0.0173% | 4,657 |
| Credit loss provision to net charge-offs | -29.4118% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9113% | 713 |
| Assets per employee ($millions) | 3.2403% | 4,791 |
| Cash dividends to net income (ytd only)* | 54.0249% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,277 |
| Loan loss allowance to noncurrent loans | 736.2500% | 783 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 1,244 |
| Noncurrent loans to loans | 0.2042% | 3,848 |
| Net loans and leases to total assets | 69.2214% | 2,704 |
| Net loans and leases to deposits | 76.7552% | 3,295 |
| Net loans and leases to core deposits | 77.7032% | 3,605 |
| Total domestic deposits to total assets | 90.1846% | 418 |
| Equity capital to assets | 8.6721% | 4,826 |
| Core capital (leverage) ratio | 8.4346% | 5,056 |
| Tier 1 risk-based capital ratio | 11.5540% | 4,701 |
| Total risk-based capital ratio | 12.8057% | 4,598 |
| Memoranda: | ||
| Average total assets | $283,928,000 | 2,245 |
| Average earning assets | $257,946,000 | 2,279 |
| Average equity | $23,792,400 | 2,741 |
| Average total loans | $196,086,000 | 2,201 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 2,766 |
| Cost of funding earning assets | 0.4139% | 3,763 |
| Net interest margin | 3.9453% | 2,147 |
| Noninterest income to average assets | 1.1821% | 674 |
| Noninterest expense to average assets | 3.9544% | 557 |
| Loan and lease loss provision to assets | 0.0037% | 3,898 |
| Net operating income to assets | 0.6478% | 4,373 |
| Return on assets (ROA) | 0.6478% | 4,383 |
| Pretax return on assets | 0.8110% | 4,262 |
| Return on Equity (ROE) | 7.7976% | 3,627 |
| Retained earnings to average equity (ytd only) | 4.2814% | 3,628 |
| Net charge-offs to loans | -0.0326% | 4,782 |
| Credit loss provision to net charge-offs | -16.6667% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9168% | 709 |
| Assets per employee ($millions) | 3.2702% | 4,810 |
| Cash dividends to net income (ytd only)* | 45.0938% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 1,284 |
| Loan loss allowance to noncurrent loans | 604.7035% | 914 |
| Noncurrent assets plus other real estate owned to assets | 1.1968% | 1,172 |
| Noncurrent loans to loans | 0.2511% | 3,790 |
| Net loans and leases to total assets | 68.1945% | 2,902 |
| Net loans and leases to deposits | 75.3410% | 3,472 |
| Net loans and leases to core deposits | 76.1831% | 3,788 |
| Total domestic deposits to total assets | 90.5145% | 337 |
| Equity capital to assets | 8.4397% | 4,963 |
| Core capital (leverage) ratio | 8.2964% | 5,204 |
| Tier 1 risk-based capital ratio | 11.4969% | 4,789 |
| Total risk-based capital ratio | 12.7490% | 4,677 |
| Memoranda: | ||
| Average total assets | $285,244,000 | 2,246 |
| Average earning assets | $259,337,000 | 2,281 |
| Average equity | $23,699,000 | 2,769 |
| Average total loans | $196,147,500 | 2,209 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2682% | 2,882 |
| Cost of funding earning assets | 0.3925% | 3,782 |
| Net interest margin | 3.8757% | 2,288 |
| Noninterest income to average assets | 1.1250% | 758 |
| Noninterest expense to average assets | 3.8761% | 621 |
| Loan and lease loss provision to assets | 0.0028% | 3,753 |
| Net operating income to assets | 0.6211% | 4,436 |
| Return on assets (ROA) | 0.6211% | 4,439 |
| Pretax return on assets | 0.7747% | 4,322 |
| Return on Equity (ROE) | 7.5148% | 3,717 |
| Retained earnings to average equity (ytd only) | 5.4039% | 2,871 |
| Net charge-offs to loans | -0.0570% | 4,966 |
| Credit loss provision to net charge-offs | -7.1429% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2933% | 740 |
| Assets per employee ($millions) | 3.5001% | 4,597 |
| Cash dividends to net income (ytd only)* | 28.0899% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,348 |
| Loan loss allowance to noncurrent loans | 623.3684% | 918 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 1,317 |
| Noncurrent loans to loans | 0.2433% | 3,831 |
| Net loans and leases to total assets | 66.1940% | 3,118 |
| Net loans and leases to deposits | 73.3476% | 3,595 |
| Net loans and leases to core deposits | 74.2226% | 3,866 |
| Total domestic deposits to total assets | 90.2471% | 486 |
| Equity capital to assets | 8.1946% | 5,138 |
| Core capital (leverage) ratio | 8.1200% | 5,303 |
| Tier 1 risk-based capital ratio | 11.5507% | 4,767 |
| Total risk-based capital ratio | 12.8031% | 4,650 |
| Memoranda: | ||
| Average total assets | $286,578,330 | 2,246 |
| Average earning assets | $260,906,670 | 2,271 |
| Average equity | $23,686,670 | 2,777 |
| Average total loans | $196,614,000 | 2,217 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2149% | 2,840 |
| Cost of funding earning assets | 0.3636% | 3,890 |
| Net interest margin | 3.8513% | 2,219 |
| Noninterest income to average assets | 0.9234% | 1,090 |
| Noninterest expense to average assets | 3.9085% | 583 |
| Loan and lease loss provision to assets | 0.0056% | 3,433 |
| Net operating income to assets | 0.4188% | 4,890 |
| Return on assets (ROA) | 0.4188% | 4,894 |
| Pretax return on assets | 0.5074% | 4,858 |
| Return on Equity (ROE) | 5.0451% | 4,474 |
| Retained earnings to average equity (ytd only) | 5.0451% | 3,150 |
| Net charge-offs to loans | -0.0973% | 5,195 |
| Credit loss provision to net charge-offs | -8.3333% | 3,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3980% | 514 |
| Assets per employee ($millions) | 3.4632% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4738% | 1,567 |
| Loan loss allowance to noncurrent loans | 1,522.1649% | 428 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 1,536 |
| Noncurrent loans to loans | 0.0968% | 4,540 |
| Net loans and leases to total assets | 67.8620% | 2,782 |
| Net loans and leases to deposits | 75.1417% | 3,303 |
| Net loans and leases to core deposits | 76.0360% | 3,664 |
| Total domestic deposits to total assets | 90.3121% | 538 |
| Equity capital to assets | 8.1118% | 5,225 |
| Core capital (leverage) ratio | 8.1351% | 5,350 |
| Tier 1 risk-based capital ratio | 10.9405% | 5,162 |
| Total risk-based capital ratio | 12.1923% | 5,065 |
| Memoranda: | ||
| Average total assets | $284,613,500 | 2,281 |
| Average earning assets | $258,512,500 | 2,302 |
| Average equity | $23,627,000 | 2,809 |
| Average total loans | $197,291,000 | 2,213 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 2,537 |
| Cost of funding earning assets | 0.3088% | 4,050 |
| Net interest margin | 3.9312% | 1,985 |
| Noninterest income to average assets | 1.2822% | 647 |
| Noninterest expense to average assets | 3.9149% | 606 |
| Loan and lease loss provision to assets | 0.0029% | 4,188 |
| Net operating income to assets | 0.3924% | 4,720 |
| Return on assets (ROA) | 0.3924% | 4,730 |
| Pretax return on assets | 0.9067% | 3,903 |
| Return on Equity (ROE) | 4.4460% | 4,365 |
| Retained earnings to average equity (ytd only) | -0.2329% | 5,069 |
| Net charge-offs to loans | 0.0212% | 3,395 |
| Credit loss provision to net charge-offs | 20.0000% | 3,606 |
| Earnings coverage of net charge-offs (x) | 61.9500% | 936 |
| Efficiency ratio | 81.1459% | 998 |
| Assets per employee ($millions) | 3.2743% | 4,965 |
| Cash dividends to net income (ytd only)* | 105.2385% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,428 |
| Loan loss allowance to noncurrent loans | 1,611.6667% | 418 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 1,315 |
| Noncurrent loans to loans | 0.0927% | 4,577 |
| Net loans and leases to total assets | 68.7384% | 2,716 |
| Net loans and leases to deposits | 76.2965% | 3,301 |
| Net loans and leases to core deposits | 77.3259% | 3,641 |
| Total domestic deposits to total assets | 90.0937% | 536 |
| Equity capital to assets | 8.4996% | 5,125 |
| Core capital (leverage) ratio | 8.1231% | 5,394 |
| Tier 1 risk-based capital ratio | 11.0802% | 5,100 |
| Total risk-based capital ratio | 12.3334% | 4,983 |
| Memoranda: | ||
| Average total assets | $272,422,400 | 2,333 |
| Average earning assets | $245,474,800 | 2,377 |
| Average equity | $24,044,000 | 2,750 |
| Average total loans | $188,309,000 | 2,253 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 2,577 |
| Cost of funding earning assets | 0.3011% | 4,116 |
| Net interest margin | 3.9080% | 2,017 |
| Noninterest income to average assets | 1.3828% | 553 |
| Noninterest expense to average assets | 3.9834% | 527 |
| Loan and lease loss provision to assets | 0.0039% | 4,035 |
| Net operating income to assets | 0.6289% | 4,279 |
| Return on assets (ROA) | 0.6289% | 4,330 |
| Pretax return on assets | 0.9143% | 3,988 |
| Return on Equity (ROE) | 7.0584% | 3,626 |
| Retained earnings to average equity (ytd only) | 2.9161% | 4,169 |
| Net charge-offs to loans | 0.0335% | 2,760 |
| Credit loss provision to net charge-offs | 17.0213% | 3,178 |
| Earnings coverage of net charge-offs (x) | 39.6991% | 1,306 |
| Efficiency ratio | 81.2669% | 975 |
| Assets per employee ($millions) | 3.2114% | 5,050 |
| Cash dividends to net income (ytd only)* | 58.6856% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 1,523 |
| Loan loss allowance to noncurrent loans | 1,469.0355% | 445 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 1,141 |
| Noncurrent loans to loans | 0.1023% | 4,653 |
| Net loans and leases to total assets | 69.4685% | 2,639 |
| Net loans and leases to deposits | 77.4660% | 3,229 |
| Net loans and leases to core deposits | 78.6200% | 3,577 |
| Total domestic deposits to total assets | 89.6760% | 587 |
| Equity capital to assets | 8.9743% | 4,936 |
| Core capital (leverage) ratio | 8.1360% | 5,455 |
| Tier 1 risk-based capital ratio | 11.3704% | 5,038 |
| Total risk-based capital ratio | 12.6264% | 4,919 |
| Memoranda: | ||
| Average total assets | $270,948,250 | 2,359 |
| Average earning assets | $243,971,750 | 2,408 |
| Average equity | $24,141,000 | 2,769 |
| Average total loans | $186,833,000 | 2,283 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 2,567 |
| Cost of funding earning assets | 0.2898% | 4,187 |
| Net interest margin | 3.8846% | 1,989 |
| Noninterest income to average assets | 1.3653% | 573 |
| Noninterest expense to average assets | 3.9352% | 572 |
| Loan and lease loss provision to assets | 0.0059% | 3,797 |
| Net operating income to assets | 0.6305% | 4,162 |
| Return on assets (ROA) | 0.6305% | 4,210 |
| Pretax return on assets | 0.9154% | 3,881 |
| Return on Equity (ROE) | 7.0934% | 3,503 |
| Retained earnings to average equity (ytd only) | 3.9713% | 3,343 |
| Net charge-offs to loans | -0.0097% | 4,521 |
| Credit loss provision to net charge-offs | -88.8889% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0300% | 1,106 |
| Assets per employee ($millions) | 3.2579% | 5,023 |
| Cash dividends to net income (ytd only)* | 44.0141% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,411 |
| Loan loss allowance to noncurrent loans | 1,735.2941% | 378 |
| Noncurrent assets plus other real estate owned to assets | 1.3313% | 1,216 |
| Noncurrent loans to loans | 0.0891% | 4,773 |
| Net loans and leases to total assets | 67.0480% | 2,944 |
| Net loans and leases to deposits | 75.1007% | 3,444 |
| Net loans and leases to core deposits | 76.3960% | 3,739 |
| Total domestic deposits to total assets | 89.2774% | 813 |
| Equity capital to assets | 8.7553% | 5,096 |
| Core capital (leverage) ratio | 8.1802% | 5,441 |
| Tier 1 risk-based capital ratio | 11.3277% | 5,072 |
| Total risk-based capital ratio | 12.5836% | 4,955 |
| Memoranda: | ||
| Average total assets | $270,275,330 | 2,373 |
| Average earning assets | $242,910,330 | 2,423 |
| Average equity | $24,022,330 | 2,782 |
| Average total loans | $184,937,330 | 2,307 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1168% | 2,588 |
| Cost of funding earning assets | 0.2752% | 4,298 |
| Net interest margin | 3.8415% | 1,979 |
| Noninterest income to average assets | 1.2573% | 651 |
| Noninterest expense to average assets | 3.9529% | 569 |
| Loan and lease loss provision to assets | 0.0121% | 3,408 |
| Net operating income to assets | 0.5216% | 4,511 |
| Return on assets (ROA) | 0.5216% | 4,543 |
| Pretax return on assets | 0.7432% | 4,303 |
| Return on Equity (ROE) | 5.8230% | 3,992 |
| Retained earnings to average equity (ytd only) | -0.4881% | 4,998 |
| Net charge-offs to loans | -0.0286% | 4,909 |
| Credit loss provision to net charge-offs | -61.5385% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9577% | 973 |
| Assets per employee ($millions) | 3.1796% | 5,188 |
| Cash dividends to net income (ytd only)* | 108.3815% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 1,381 |
| Loan loss allowance to noncurrent loans | 1,499.4924% | 433 |
| Noncurrent assets plus other real estate owned to assets | 1.4390% | 1,146 |
| Noncurrent loans to loans | 0.1067% | 4,761 |
| Net loans and leases to total assets | 67.2271% | 2,783 |
| Net loans and leases to deposits | 75.8543% | 3,217 |
| Net loans and leases to core deposits | 77.2199% | 3,541 |
| Total domestic deposits to total assets | 88.6266% | 1,360 |
| Equity capital to assets | 8.8162% | 4,985 |
| Core capital (leverage) ratio | 8.1156% | 5,500 |
| Tier 1 risk-based capital ratio | 11.2063% | 5,200 |
| Total risk-based capital ratio | 12.4634% | 5,093 |
| Memoranda: | ||
| Average total assets | $265,321,500 | 2,427 |
| Average earning assets | $238,343,000 | 2,482 |
| Average equity | $23,768,000 | 2,813 |
| Average total loans | $182,002,500 | 2,343 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 2,302 |
| Cost of funding earning assets | 0.2764% | 4,296 |
| Net interest margin | 3.9765% | 1,710 |
| Noninterest income to average assets | 1.4338% | 566 |
| Noninterest expense to average assets | 4.1867% | 495 |
| Loan and lease loss provision to assets | 0.0051% | 4,255 |
| Net operating income to assets | 0.5408% | 4,475 |
| Return on assets (ROA) | 0.5587% | 4,502 |
| Pretax return on assets | 0.7872% | 4,219 |
| Return on Equity (ROE) | 5.9367% | 4,006 |
| Retained earnings to average equity (ytd only) | 2.7967% | 3,913 |
| Net charge-offs to loans | -0.0506% | 5,396 |
| Credit loss provision to net charge-offs | -14.4444% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5144% | 965 |
| Assets per employee ($millions) | 3.0633% | 5,304 |
| Cash dividends to net income (ytd only)* | 52.8914% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 1,294 |
| Loan loss allowance to noncurrent loans | 1,543.6842% | 411 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 1,019 |
| Noncurrent loans to loans | 0.1059% | 4,812 |
| Net loans and leases to total assets | 67.7579% | 2,817 |
| Net loans and leases to deposits | 75.7706% | 3,339 |
| Net loans and leases to core deposits | 77.0886% | 3,652 |
| Total domestic deposits to total assets | 89.4251% | 892 |
| Equity capital to assets | 9.1055% | 4,703 |
| Core capital (leverage) ratio | 8.2304% | 5,488 |
| Tier 1 risk-based capital ratio | 11.4980% | 5,056 |
| Total risk-based capital ratio | 12.7591% | 4,951 |
| Memoranda: | ||
| Average total assets | $253,805,800 | 2,474 |
| Average earning assets | $224,671,200 | 2,549 |
| Average equity | $23,885,200 | 2,808 |
| Average total loans | $177,861,600 | 2,334 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 2,203 |
| Cost of funding earning assets | 0.2785% | 4,311 |
| Net interest margin | 4.0083% | 1,625 |
| Noninterest income to average assets | 1.4657% | 560 |
| Noninterest expense to average assets | 4.2342% | 472 |
| Loan and lease loss provision to assets | 0.0069% | 4,090 |
| Net operating income to assets | 0.5428% | 4,528 |
| Return on assets (ROA) | 0.5668% | 4,530 |
| Pretax return on assets | 0.7968% | 4,319 |
| Return on Equity (ROE) | 5.9730% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.1871% | 4,002 |
| Net charge-offs to loans | -0.0421% | 5,305 |
| Credit loss provision to net charge-offs | -23.2143% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6154% | 937 |
| Assets per employee ($millions) | 2.9856% | 5,404 |
| Cash dividends to net income (ytd only)* | 46.6417% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 1,347 |
| Loan loss allowance to noncurrent loans | 1,628.6517% | 375 |
| Noncurrent assets plus other real estate owned to assets | 1.7102% | 994 |
| Noncurrent loans to loans | 0.1007% | 4,935 |
| Net loans and leases to total assets | 68.4827% | 2,725 |
| Net loans and leases to deposits | 76.8928% | 3,298 |
| Net loans and leases to core deposits | 78.0353% | 3,662 |
| Total domestic deposits to total assets | 89.0626% | 870 |
| Equity capital to assets | 9.5519% | 4,608 |
| Core capital (leverage) ratio | 8.2713% | 5,519 |
| Tier 1 risk-based capital ratio | 11.6436% | 5,015 |
| Total risk-based capital ratio | 12.9056% | 4,909 |
| Memoranda: | ||
| Average total assets | $252,162,250 | 2,495 |
| Average earning assets | $222,599,500 | 2,579 |
| Average equity | $23,929,250 | 2,822 |
| Average total loans | $177,486,750 | 2,338 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,151 |
| Cost of funding earning assets | 0.2786% | 4,366 |
| Net interest margin | 4.0243% | 1,567 |
| Noninterest income to average assets | 1.3925% | 595 |
| Noninterest expense to average assets | 4.2484% | 468 |
| Loan and lease loss provision to assets | 0.0103% | 3,887 |
| Net operating income to assets | 0.4926% | 4,707 |
| Return on assets (ROA) | 0.4984% | 4,790 |
| Pretax return on assets | 0.6891% | 4,655 |
| Return on Equity (ROE) | 5.2632% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.2632% | 2,578 |
| Net charge-offs to loans | -0.0495% | 5,364 |
| Credit loss provision to net charge-offs | -29.5455% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0016% | 881 |
| Assets per employee ($millions) | 3.0219% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 1,556 |
| Loan loss allowance to noncurrent loans | 1,188.0658% | 511 |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 967 |
| Noncurrent loans to loans | 0.1339% | 4,903 |
| Net loans and leases to total assets | 69.5534% | 2,540 |
| Net loans and leases to deposits | 77.5751% | 3,202 |
| Net loans and leases to core deposits | 78.6180% | 3,593 |
| Total domestic deposits to total assets | 89.6595% | 611 |
| Equity capital to assets | 9.4712% | 4,796 |
| Core capital (leverage) ratio | 8.2299% | 5,584 |
| Tier 1 risk-based capital ratio | 11.1840% | 5,322 |
| Total risk-based capital ratio | 12.4454% | 5,235 |
| Memoranda: | ||
| Average total assets | $251,625,670 | 2,521 |
| Average earning assets | $221,800,000 | 2,595 |
| Average equity | $23,825,670 | 2,849 |
| Average total loans | $177,752,670 | 2,336 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3298% | 2,032 |
| Cost of funding earning assets | 0.2843% | 4,341 |
| Net interest margin | 4.0455% | 1,491 |
| Noninterest income to average assets | 1.1823% | 786 |
| Noninterest expense to average assets | 4.2714% | 466 |
| Loan and lease loss provision to assets | 0.0096% | 3,565 |
| Net operating income to assets | 0.3557% | 5,126 |
| Return on assets (ROA) | 0.3679% | 5,164 |
| Pretax return on assets | 0.4835% | 5,132 |
| Return on Equity (ROE) | 3.8856% | 4,929 |
| Retained earnings to average equity (ytd only) | 3.8856% | 3,552 |
| Net charge-offs to loans | -0.0614% | 5,432 |
| Credit loss provision to net charge-offs | -22.2222% | 4,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9526% | 678 |
| Assets per employee ($millions) | 2.9298% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 1,543 |
| Loan loss allowance to noncurrent loans | 1,789.3750% | 354 |
| Noncurrent assets plus other real estate owned to assets | 2.4528% | 614 |
| Noncurrent loans to loans | 0.0907% | 5,113 |
| Net loans and leases to total assets | 68.9140% | 2,510 |
| Net loans and leases to deposits | 76.8972% | 3,119 |
| Net loans and leases to core deposits | 78.1202% | 3,480 |
| Total domestic deposits to total assets | 89.6183% | 769 |
| Equity capital to assets | 9.4613% | 4,703 |
| Core capital (leverage) ratio | 8.2161% | 5,643 |
| Tier 1 risk-based capital ratio | 11.1252% | 5,438 |
| Total risk-based capital ratio | 12.3875% | 5,339 |
| Memoranda: | ||
| Average total assets | $249,007,000 | 2,550 |
| Average earning assets | $219,504,000 | 2,627 |
| Average equity | $23,574,500 | 2,868 |
| Average total loans | $175,857,000 | 2,354 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4107% | 1,864 |
| Cost of funding earning assets | 0.2949% | 4,309 |
| Net interest margin | 4.1158% | 1,374 |
| Noninterest income to average assets | 1.4188% | 599 |
| Noninterest expense to average assets | 4.2302% | 527 |
| Loan and lease loss provision to assets | 0.0071% | 4,257 |
| Net operating income to assets | 0.5561% | 4,474 |
| Return on assets (ROA) | 0.5561% | 4,568 |
| Pretax return on assets | 0.7812% | 4,256 |
| Return on Equity (ROE) | 5.7656% | 4,144 |
| Retained earnings to average equity (ytd only) | 2.5362% | 4,261 |
| Net charge-offs to loans | 0.0369% | 3,483 |
| Credit loss provision to net charge-offs | 26.9841% | 3,686 |
| Earnings coverage of net charge-offs (x) | 30.1270% | 1,453 |
| Efficiency ratio | 84.2920% | 1,153 |
| Assets per employee ($millions) | 2.9645% | 5,554 |
| Cash dividends to net income (ytd only)* | 56.0119% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 1,567 |
| Loan loss allowance to noncurrent loans | 646.1187% | 865 |
| Noncurrent assets plus other real estate owned to assets | 2.6604% | 559 |
| Noncurrent loans to loans | 0.2500% | 4,535 |
| Net loans and leases to total assets | 70.0600% | 2,354 |
| Net loans and leases to deposits | 78.2713% | 3,024 |
| Net loans and leases to core deposits | 79.7716% | 3,374 |
| Total domestic deposits to total assets | 89.5091% | 850 |
| Equity capital to assets | 9.4736% | 4,583 |
| Core capital (leverage) ratio | 8.1503% | 5,733 |
| Tier 1 risk-based capital ratio | 11.0711% | 5,486 |
| Total risk-based capital ratio | 12.3380% | 5,379 |
| Memoranda: | ||
| Average total assets | $240,770,800 | 2,573 |
| Average earning assets | $210,580,600 | 2,673 |
| Average equity | $23,223,800 | 2,857 |
| Average total loans | $170,881,400 | 2,346 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 1,901 |
| Cost of funding earning assets | 0.2997% | 4,343 |
| Net interest margin | 4.1080% | 1,392 |
| Noninterest income to average assets | 1.4466% | 589 |
| Noninterest expense to average assets | 4.2557% | 512 |
| Loan and lease loss provision to assets | 0.0061% | 4,140 |
| Net operating income to assets | 0.5507% | 4,583 |
| Return on assets (ROA) | 0.5507% | 4,684 |
| Pretax return on assets | 0.7723% | 4,418 |
| Return on Equity (ROE) | 5.6832% | 4,313 |
| Retained earnings to average equity (ytd only) | 2.8100% | 4,434 |
| Net charge-offs to loans | -0.0165% | 5,137 |
| Credit loss provision to net charge-offs | -52.3810% | 4,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5371% | 1,118 |
| Assets per employee ($millions) | 2.9126% | 5,637 |
| Cash dividends to net income (ytd only)* | 50.5563% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6771% | 1,527 |
| Loan loss allowance to noncurrent loans | 886.5854% | 645 |
| Noncurrent assets plus other real estate owned to assets | 2.8361% | 564 |
| Noncurrent loans to loans | 0.1892% | 4,890 |
| Net loans and leases to total assets | 70.5252% | 2,310 |
| Net loans and leases to deposits | 78.9356% | 2,999 |
| Net loans and leases to core deposits | 80.3178% | 3,402 |
| Total domestic deposits to total assets | 89.3453% | 842 |
| Equity capital to assets | 9.6570% | 4,566 |
| Core capital (leverage) ratio | 8.1063% | 5,839 |
| Tier 1 risk-based capital ratio | 11.0865% | 5,617 |
| Total risk-based capital ratio | 12.3552% | 5,495 |
| Memoranda: | ||
| Average total assets | $239,450,500 | 2,595 |
| Average earning assets | $209,116,000 | 2,708 |
| Average equity | $23,202,250 | 2,884 |
| Average total loans | $169,798,250 | 2,368 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 1,906 |
| Cost of funding earning assets | 0.3039% | 4,358 |
| Net interest margin | 4.0801% | 1,410 |
| Noninterest income to average assets | 1.4060% | 640 |
| Noninterest expense to average assets | 4.1879% | 554 |
| Loan and lease loss provision to assets | 0.0075% | 3,955 |
| Net operating income to assets | 0.5463% | 4,572 |
| Return on assets (ROA) | 0.5463% | 4,682 |
| Pretax return on assets | 0.7659% | 4,437 |
| Return on Equity (ROE) | 5.6317% | 4,309 |
| Retained earnings to average equity (ytd only) | 3.4723% | 3,831 |
| Net charge-offs to loans | -0.0178% | 5,134 |
| Credit loss provision to net charge-offs | -60.0000% | 4,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4114% | 1,217 |
| Assets per employee ($millions) | 2.9628% | 5,636 |
| Cash dividends to net income (ytd only)* | 38.3436% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 1,607 |
| Loan loss allowance to noncurrent loans | 1,277.5330% | 454 |
| Noncurrent assets plus other real estate owned to assets | 2.7367% | 652 |
| Noncurrent loans to loans | 0.1328% | 5,216 |
| Net loans and leases to total assets | 68.3153% | 2,597 |
| Net loans and leases to deposits | 76.2465% | 3,243 |
| Net loans and leases to core deposits | 77.5531% | 3,621 |
| Total domestic deposits to total assets | 89.5980% | 847 |
| Equity capital to assets | 9.4533% | 4,709 |
| Core capital (leverage) ratio | 8.9754% | 5,003 |
| Tier 1 risk-based capital ratio | 12.0666% | 5,096 |
| Total risk-based capital ratio | 13.3212% | 4,990 |
| Memoranda: | ||
| Average total assets | $238,686,670 | 2,622 |
| Average earning assets | $207,984,330 | 2,734 |
| Average equity | $23,154,670 | 2,903 |
| Average total loans | $168,598,670 | 2,388 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 1,683 |
| Cost of funding earning assets | 0.3114% | 4,314 |
| Net interest margin | 4.1115% | 1,248 |
| Noninterest income to average assets | 1.3681% | 617 |
| Noninterest expense to average assets | 4.2285% | 540 |
| Loan and lease loss provision to assets | 0.0068% | 3,622 |
| Net operating income to assets | 0.5088% | 4,638 |
| Return on assets (ROA) | 0.5088% | 4,759 |
| Pretax return on assets | 0.7045% | 4,573 |
| Return on Equity (ROE) | 5.1756% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.3101% | 3,426 |
| Net charge-offs to loans | -0.1123% | 5,895 |
| Credit loss provision to net charge-offs | -8.5106% | 4,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6011% | 1,217 |
| Assets per employee ($millions) | 2.9623% | 5,716 |
| Cash dividends to net income (ytd only)* | 16.7224% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7503% | 1,614 |
| Loan loss allowance to noncurrent loans | 848.4058% | 628 |
| Noncurrent assets plus other real estate owned to assets | 3.3262% | 522 |
| Noncurrent loans to loans | 0.2063% | 5,040 |
| Net loans and leases to total assets | 68.4758% | 2,372 |
| Net loans and leases to deposits | 76.5944% | 2,979 |
| Net loans and leases to core deposits | 77.9491% | 3,384 |
| Total domestic deposits to total assets | 89.4005% | 1,044 |
| Equity capital to assets | 9.6947% | 4,518 |
| Core capital (leverage) ratio | 9.0191% | 4,929 |
| Tier 1 risk-based capital ratio | 12.1118% | 5,171 |
| Total risk-based capital ratio | 13.3665% | 5,074 |
| Memoranda: | ||
| Average total assets | $235,073,000 | 2,673 |
| Average earning assets | $204,210,000 | 2,786 |
| Average equity | $23,108,500 | 2,923 |
| Average total loans | $167,449,500 | 2,403 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 1,840 |
| Cost of funding earning assets | 0.3810% | 3,895 |
| Net interest margin | 4.1253% | 1,502 |
| Noninterest income to average assets | 1.3821% | 641 |
| Noninterest expense to average assets | 4.4325% | 490 |
| Loan and lease loss provision to assets | 0.0079% | 4,469 |
| Net operating income to assets | 0.3579% | 5,356 |
| Return on assets (ROA) | 0.3866% | 5,333 |
| Pretax return on assets | 0.5090% | 5,227 |
| Return on Equity (ROE) | 3.8901% | 5,161 |
| Retained earnings to average equity (ytd only) | 1.6823% | 4,972 |
| Net charge-offs to loans | 0.0582% | 3,674 |
| Credit loss provision to net charge-offs | 19.5652% | 3,977 |
| Earnings coverage of net charge-offs (x) | 11.8696% | 2,445 |
| Efficiency ratio | 90.2448% | 827 |
| Assets per employee ($millions) | 2.9139% | 5,812 |
| Cash dividends to net income (ytd only)* | 56.7537% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7153% | 1,735 |
| Loan loss allowance to noncurrent loans | 971.6216% | 602 |
| Noncurrent assets plus other real estate owned to assets | 3.6316% | 501 |
| Noncurrent loans to loans | 0.1765% | 5,194 |
| Net loans and leases to total assets | 71.5860% | 1,976 |
| Net loans and leases to deposits | 81.4942% | 2,541 |
| Net loans and leases to core deposits | 83.0227% | 2,989 |
| Total domestic deposits to total assets | 87.8419% | 1,854 |
| Equity capital to assets | 9.9718% | 4,148 |
| Core capital (leverage) ratio | 8.2735% | 5,797 |
| Tier 1 risk-based capital ratio | 11.1092% | 5,866 |
| Total risk-based capital ratio | 12.3645% | 5,804 |
| Memoranda: | ||
| Average total assets | $227,907,200 | 2,716 |
| Average earning assets | $194,991,600 | 2,855 |
| Average equity | $22,647,200 | 2,888 |
| Average total loans | $157,952,200 | 2,456 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 1,826 |
| Cost of funding earning assets | 0.3908% | 3,887 |
| Net interest margin | 4.1213% | 1,513 |
| Noninterest income to average assets | 1.4879% | 569 |
| Noninterest expense to average assets | 4.4837% | 465 |
| Loan and lease loss provision to assets | 0.0065% | 4,289 |
| Net operating income to assets | 0.3850% | 5,303 |
| Return on assets (ROA) | 0.4229% | 5,244 |
| Pretax return on assets | 0.5671% | 5,136 |
| Return on Equity (ROE) | 4.2592% | 5,058 |
| Retained earnings to average equity (ytd only) | 2.7823% | 4,620 |
| Net charge-offs to loans | 0.0497% | 3,504 |
| Credit loss provision to net charge-offs | 18.9655% | 3,588 |
| Earnings coverage of net charge-offs (x) | 15.3795% | 2,056 |
| Efficiency ratio | 89.5514% | 876 |
| Assets per employee ($millions) | 2.8426% | 5,920 |
| Cash dividends to net income (ytd only)* | 34.6746% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 1,619 |
| Loan loss allowance to noncurrent loans | 1,147.4308% | 504 |
| Noncurrent assets plus other real estate owned to assets | 3.8652% | 526 |
| Noncurrent loans to loans | 0.1598% | 5,431 |
| Net loans and leases to total assets | 68.3459% | 2,473 |
| Net loans and leases to deposits | 77.2157% | 3,042 |
| Net loans and leases to core deposits | 78.7741% | 3,465 |
| Total domestic deposits to total assets | 88.5129% | 1,491 |
| Equity capital to assets | 10.0998% | 4,051 |
| Core capital (leverage) ratio | 8.4000% | 5,757 |
| Tier 1 risk-based capital ratio | 11.6115% | 5,735 |
| Total risk-based capital ratio | 12.8677% | 5,646 |
| Memoranda: | ||
| Average total assets | $227,334,000 | 2,739 |
| Average earning assets | $194,109,500 | 2,888 |
| Average equity | $22,570,250 | 2,894 |
| Average total loans | $155,523,500 | 2,498 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 1,849 |
| Cost of funding earning assets | 0.3989% | 3,877 |
| Net interest margin | 4.0946% | 1,534 |
| Noninterest income to average assets | 1.4571% | 572 |
| Noninterest expense to average assets | 4.4653% | 462 |
| Loan and lease loss provision to assets | 0.0062% | 4,113 |
| Net operating income to assets | 0.3625% | 5,363 |
| Return on assets (ROA) | 0.3625% | 5,431 |
| Pretax return on assets | 0.4716% | 5,362 |
| Return on Equity (ROE) | 3.6724% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.6724% | 3,856 |
| Net charge-offs to loans | -0.0168% | 5,482 |
| Credit loss provision to net charge-offs | -53.8462% | 5,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3346% | 891 |
| Assets per employee ($millions) | 2.8738% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 1,671 |
| Loan loss allowance to noncurrent loans | 516.5217% | 895 |
| Noncurrent assets plus other real estate owned to assets | 3.8767% | 572 |
| Noncurrent loans to loans | 0.3605% | 4,916 |
| Net loans and leases to total assets | 67.2534% | 2,539 |
| Net loans and leases to deposits | 75.7084% | 3,098 |
| Net loans and leases to core deposits | 77.3207% | 3,507 |
| Total domestic deposits to total assets | 88.8321% | 1,454 |
| Equity capital to assets | 9.8426% | 4,302 |
| Core capital (leverage) ratio | 8.3654% | 5,783 |
| Tier 1 risk-based capital ratio | 11.2836% | 5,913 |
| Total risk-based capital ratio | 12.5400% | 5,853 |
| Memoranda: | ||
| Average total assets | $227,308,330 | 2,755 |
| Average earning assets | $193,525,330 | 2,912 |
| Average equity | $22,437,670 | 2,900 |
| Average total loans | $154,588,330 | 2,507 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 1,749 |
| Cost of funding earning assets | 0.4084% | 3,866 |
| Net interest margin | 4.1114% | 1,429 |
| Noninterest income to average assets | 1.4231% | 578 |
| Noninterest expense to average assets | 4.5437% | 438 |
| Loan and lease loss provision to assets | 0.0107% | 3,688 |
| Net operating income to assets | 0.2957% | 5,507 |
| Return on assets (ROA) | 0.2957% | 5,549 |
| Pretax return on assets | 0.3651% | 5,556 |
| Return on Equity (ROE) | 2.9909% | 5,463 |
| Retained earnings to average equity (ytd only) | 2.9909% | 4,318 |
| Net charge-offs to loans | -0.0500% | 5,803 |
| Credit loss provision to net charge-offs | -31.5789% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3606% | 856 |
| Assets per employee ($millions) | 2.8250% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9397% | 1,650 |
| Loan loss allowance to noncurrent loans | 405.3134% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 4.0297% | 577 |
| Noncurrent loans to loans | 0.4786% | 4,727 |
| Net loans and leases to total assets | 65.7271% | 2,614 |
| Net loans and leases to deposits | 74.0245% | 3,058 |
| Net loans and leases to core deposits | 75.6281% | 3,447 |
| Total domestic deposits to total assets | 88.7910% | 1,779 |
| Equity capital to assets | 9.7660% | 4,145 |
| Core capital (leverage) ratio | 8.3702% | 5,779 |
| Tier 1 risk-based capital ratio | 11.5388% | 5,893 |
| Total risk-based capital ratio | 12.7961% | 5,842 |
| Memoranda: | ||
| Average total assets | $224,575,000 | 2,781 |
| Average earning assets | $190,979,500 | 2,960 |
| Average equity | $22,201,000 | 2,925 |
| Average total loans | $152,123,000 | 2,554 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 1,780 |
| Cost of funding earning assets | 0.5364% | 3,238 |
| Net interest margin | 4.0899% | 1,674 |
| Noninterest income to average assets | 1.2709% | 857 |
| Noninterest expense to average assets | 4.5350% | 514 |
| Loan and lease loss provision to assets | 0.0102% | 4,922 |
| Net operating income to assets | 0.1518% | 5,938 |
| Return on assets (ROA) | 0.1518% | 6,002 |
| Pretax return on assets | 0.1315% | 6,043 |
| Return on Equity (ROE) | 1.6249% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.6249% | 5,059 |
| Net charge-offs to loans | 0.3028% | 2,173 |
| Credit loss provision to net charge-offs | 5.2752% | 4,644 |
| Earnings coverage of net charge-offs (x) | 0.7339% | 4,847 |
| Efficiency ratio | 96.9711% | 588 |
| Assets per employee ($millions) | 2.6229% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9553% | 1,663 |
| Loan loss allowance to noncurrent loans | 504.2735% | 963 |
| Noncurrent assets plus other real estate owned to assets | 4.3050% | 593 |
| Noncurrent loans to loans | 0.3877% | 5,037 |
| Net loans and leases to total assets | 67.1376% | 2,494 |
| Net loans and leases to deposits | 75.9442% | 2,972 |
| Net loans and leases to core deposits | 77.6676% | 3,408 |
| Total domestic deposits to total assets | 88.4039% | 1,949 |
| Equity capital to assets | 10.0102% | 3,759 |
| Core capital (leverage) ratio | 8.4068% | 5,770 |
| Tier 1 risk-based capital ratio | 11.5954% | 5,858 |
| Total risk-based capital ratio | 12.8529% | 5,794 |
| Memoranda: | ||
| Average total assets | $225,911,000 | 2,760 |
| Average earning assets | $188,122,800 | 2,977 |
| Average equity | $21,108,400 | 3,023 |
| Average total loans | $144,001,200 | 2,638 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 1,958 |
| Cost of funding earning assets | 0.5585% | 3,173 |
| Net interest margin | 4.0235% | 1,867 |
| Noninterest income to average assets | 1.2148% | 992 |
| Noninterest expense to average assets | 4.5986% | 471 |
| Loan and lease loss provision to assets | 0.0135% | 4,734 |
| Net operating income to assets | 0.0317% | 6,252 |
| Return on assets (ROA) | 0.0317% | 6,306 |
| Pretax return on assets | -0.0592% | 6,368 |
| Return on Equity (ROE) | 0.3450% | 6,297 |
| Retained earnings to average equity (ytd only) | 0.3450% | 5,828 |
| Net charge-offs to loans | 0.1574% | 2,978 |
| Credit loss provision to net charge-offs | 13.6905% | 4,169 |
| Earnings coverage of net charge-offs (x) | -0.4643% | 4,947 |
| Efficiency ratio | 101.0049% | 432 |
| Assets per employee ($millions) | 2.7171% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2024% | 1,320 |
| Loan loss allowance to noncurrent loans | 162.7719% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 5.2063% | 522 |
| Noncurrent loans to loans | 1.3531% | 3,159 |
| Net loans and leases to total assets | 64.1338% | 2,980 |
| Net loans and leases to deposits | 72.4042% | 3,466 |
| Net loans and leases to core deposits | 74.2480% | 3,810 |
| Total domestic deposits to total assets | 88.5775% | 1,792 |
| Equity capital to assets | 9.7259% | 4,275 |
| Core capital (leverage) ratio | 8.1586% | 6,103 |
| Tier 1 risk-based capital ratio | 11.6839% | 5,958 |
| Total risk-based capital ratio | 12.9440% | 5,912 |
| Memoranda: | ||
| Average total assets | $227,307,500 | 2,769 |
| Average earning assets | $188,586,500 | 2,998 |
| Average equity | $20,871,750 | 3,086 |
| Average total loans | $142,283,750 | 2,675 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5574% | 2,008 |
| Cost of funding earning assets | 0.5781% | 3,143 |
| Net interest margin | 3.9793% | 1,932 |
| Noninterest income to average assets | 1.1127% | 1,229 |
| Noninterest expense to average assets | 4.6301% | 472 |
| Loan and lease loss provision to assets | 0.0114% | 4,645 |
| Net operating income to assets | -0.0813% | 6,392 |
| Return on assets (ROA) | -0.0813% | 6,439 |
| Pretax return on assets | -0.2378% | 6,519 |
| Return on Equity (ROE) | -0.9027% | 6,449 |
| Retained earnings to average equity (ytd only) | -0.9027% | 6,032 |
| Net charge-offs to loans | 0.2298% | 2,350 |
| Credit loss provision to net charge-offs | 8.0247% | 3,927 |
| Earnings coverage of net charge-offs (x) | -1.5988% | 4,747 |
| Efficiency ratio | 105.1409% | 363 |
| Assets per employee ($millions) | 2.6362% | 6,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2032% | 1,415 |
| Loan loss allowance to noncurrent loans | 197.9064% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 5.3190% | 556 |
| Noncurrent loans to loans | 1.1132% | 3,702 |
| Net loans and leases to total assets | 62.9272% | 3,114 |
| Net loans and leases to deposits | 70.0346% | 3,706 |
| Net loans and leases to core deposits | 71.7690% | 4,073 |
| Total domestic deposits to total assets | 89.8516% | 1,121 |
| Equity capital to assets | 8.8887% | 5,340 |
| Core capital (leverage) ratio | 7.0848% | 6,590 |
| Tier 1 risk-based capital ratio | 10.3783% | 6,545 |
| Total risk-based capital ratio | 11.6382% | 6,510 |
| Memoranda: | ||
| Average total assets | $228,808,000 | 2,758 |
| Average earning assets | $189,230,000 | 3,000 |
| Average equity | $20,605,670 | 3,143 |
| Average total loans | $141,007,670 | 2,702 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4745% | 2,257 |
| Cost of funding earning assets | 0.6023% | 3,088 |
| Net interest margin | 3.8722% | 2,210 |
| Noninterest income to average assets | 0.6004% | 3,135 |
| Noninterest expense to average assets | 4.6325% | 485 |
| Loan and lease loss provision to assets | 0.0226% | 4,183 |
| Net operating income to assets | -0.4855% | 6,666 |
| Return on assets (ROA) | -0.4855% | 6,691 |
| Pretax return on assets | -0.8771% | 6,771 |
| Return on Equity (ROE) | -5.3570% | 6,708 |
| Retained earnings to average equity (ytd only) | -5.3570% | 6,390 |
| Net charge-offs to loans | 0.2280% | 2,080 |
| Credit loss provision to net charge-offs | 16.4557% | 3,088 |
| Earnings coverage of net charge-offs (x) | -6.2152% | 4,082 |
| Efficiency ratio | 122.6163% | 197 |
| Assets per employee ($millions) | 2.6342% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4131% | 1,232 |
| Loan loss allowance to noncurrent loans | 93.8781% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 7.6628% | 341 |
| Noncurrent loans to loans | 2.5704% | 2,009 |
| Net loans and leases to total assets | 56.8727% | 3,949 |
| Net loans and leases to deposits | 63.1415% | 4,399 |
| Net loans and leases to core deposits | 64.6502% | 4,683 |
| Total domestic deposits to total assets | 90.0718% | 1,000 |
| Equity capital to assets | 8.8435% | 5,673 |
| Core capital (leverage) ratio | 7.0783% | 6,619 |
| Tier 1 risk-based capital ratio | 10.8306% | 6,475 |
| Total risk-based capital ratio | 12.0925% | 6,443 |
| Memoranda: | ||
| Average total assets | $229,854,000 | 2,775 |
| Average earning assets | $188,625,000 | 3,031 |
| Average equity | $20,832,500 | 3,153 |
| Average total loans | $138,571,500 | 2,751 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0335% | 1,473 |
| Cost of funding earning assets | 0.8859% | 2,021 |
| Net interest margin | 4.1476% | 1,830 |
| Noninterest income to average assets | 0.9643% | 1,649 |
| Noninterest expense to average assets | 4.8926% | 412 |
| Loan and lease loss provision to assets | 0.0796% | 4,712 |
| Net operating income to assets | -0.3285% | 6,466 |
| Return on assets (ROA) | -0.2367% | 6,458 |
| Pretax return on assets | -0.4879% | 6,565 |
| Return on Equity (ROE) | -2.5846% | 6,483 |
| Retained earnings to average equity (ytd only) | -2.5846% | 6,228 |
| Net charge-offs to loans | 0.6055% | 1,918 |
| Credit loss provision to net charge-offs | 20.6897% | 5,276 |
| Earnings coverage of net charge-offs (x) | -1.4338% | 5,796 |
| Efficiency ratio | 112.6109% | 296 |
| Assets per employee ($millions) | 2.5029% | 6,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3934% | 1,241 |
| Loan loss allowance to noncurrent loans | 96.2507% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 8.2618% | 327 |
| Noncurrent loans to loans | 2.4866% | 2,132 |
| Net loans and leases to total assets | 60.8834% | 3,442 |
| Net loans and leases to deposits | 67.5611% | 4,048 |
| Net loans and leases to core deposits | 69.1697% | 4,412 |
| Total domestic deposits to total assets | 90.1161% | 891 |
| Equity capital to assets | 9.2922% | 5,166 |
| Core capital (leverage) ratio | 7.3971% | 6,541 |
| Tier 1 risk-based capital ratio | 10.6894% | 6,481 |
| Total risk-based capital ratio | 11.9506% | 6,438 |
| Memoranda: | ||
| Average total assets | $233,639,000 | 2,691 |
| Average earning assets | $190,205,400 | 2,953 |
| Average equity | $21,395,600 | 3,055 |
| Average total loans | $148,475,800 | 2,592 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 1,390 |
| Cost of funding earning assets | 0.9433% | 1,887 |
| Net interest margin | 4.1739% | 1,811 |
| Noninterest income to average assets | 1.8495% | 471 |
| Noninterest expense to average assets | 5.7312% | 239 |
| Loan and lease loss provision to assets | 0.0990% | 4,328 |
| Net operating income to assets | -0.2977% | 6,568 |
| Return on assets (ROA) | -0.1765% | 6,553 |
| Pretax return on assets | -0.3925% | 6,653 |
| Return on Equity (ROE) | -1.9338% | 6,563 |
| Retained earnings to average equity (ytd only) | -1.9338% | 6,388 |
| Net charge-offs to loans | 0.6965% | 1,584 |
| Credit loss provision to net charge-offs | 22.2646% | 4,920 |
| Earnings coverage of net charge-offs (x) | -1.0865% | 5,580 |
| Efficiency ratio | 109.0958% | 322 |
| Assets per employee ($millions) | 2.5365% | 6,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4115% | 1,340 |
| Loan loss allowance to noncurrent loans | 101.9118% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 8.3845% | 351 |
| Noncurrent loans to loans | 2.3663% | 2,438 |
| Net loans and leases to total assets | 61.4230% | 3,493 |
| Net loans and leases to deposits | 68.2797% | 4,138 |
| Net loans and leases to core deposits | 69.9983% | 4,499 |
| Total domestic deposits to total assets | 89.9579% | 870 |
| Equity capital to assets | 9.2939% | 5,476 |
| Core capital (leverage) ratio | 7.4488% | 6,645 |
| Tier 1 risk-based capital ratio | 10.8458% | 6,543 |
| Total risk-based capital ratio | 12.1073% | 6,515 |
| Memoranda: | ||
| Average total assets | $235,732,500 | 2,697 |
| Average earning assets | $191,948,500 | 2,965 |
| Average equity | $21,511,500 | 3,060 |
| Average total loans | $150,466,750 | 2,599 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 1,326 |
| Cost of funding earning assets | 1.0000% | 1,762 |
| Net interest margin | 4.1746% | 1,832 |
| Noninterest income to average assets | 1.8437% | 454 |
| Noninterest expense to average assets | 4.6362% | 486 |
| Loan and lease loss provision to assets | 0.1385% | 3,788 |
| Net operating income to assets | 0.3380% | 5,471 |
| Return on assets (ROA) | 0.5390% | 4,909 |
| Pretax return on assets | 0.7405% | 4,703 |
| Return on Equity (ROE) | 5.9418% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.9418% | 2,745 |
| Net charge-offs to loans | 0.4086% | 2,391 |
| Credit loss provision to net charge-offs | 52.8846% | 3,978 |
| Earnings coverage of net charge-offs (x) | 2.3045% | 3,845 |
| Efficiency ratio | 88.3512% | 1,203 |
| Assets per employee ($millions) | 2.7260% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6075% | 1,142 |
| Loan loss allowance to noncurrent loans | 67.4275% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 9.7103% | 283 |
| Noncurrent loans to loans | 3.8671% | 1,440 |
| Net loans and leases to total assets | 61.8789% | 3,465 |
| Net loans and leases to deposits | 69.6865% | 3,945 |
| Net loans and leases to core deposits | 71.2357% | 4,386 |
| Total domestic deposits to total assets | 88.7962% | 1,639 |
| Equity capital to assets | 9.2748% | 5,355 |
| Core capital (leverage) ratio | 7.8996% | 6,369 |
| Tier 1 risk-based capital ratio | 11.1151% | 6,445 |
| Total risk-based capital ratio | 12.3789% | 6,411 |
| Memoranda: | ||
| Average total assets | $238,213,670 | 2,680 |
| Average earning assets | $193,791,330 | 2,953 |
| Average equity | $21,609,670 | 3,030 |
| Average total loans | $152,726,670 | 2,568 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3296% | 1,041 |
| Cost of funding earning assets | 1.1065% | 1,373 |
| Net interest margin | 4.2231% | 1,693 |
| Noninterest income to average assets | 2.0256% | 402 |
| Noninterest expense to average assets | 4.6125% | 497 |
| Loan and lease loss provision to assets | 0.2765% | 2,249 |
| Net operating income to assets | 0.3882% | 5,307 |
| Return on assets (ROA) | 0.7674% | 3,768 |
| Pretax return on assets | 1.1075% | 3,293 |
| Return on Equity (ROE) | 8.5542% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.5542% | 1,757 |
| Net charge-offs to loans | 0.5203% | 1,787 |
| Credit loss provision to net charge-offs | 82.5000% | 2,682 |
| Earnings coverage of net charge-offs (x) | 2.4900% | 3,172 |
| Efficiency ratio | 84.5586% | 1,634 |
| Assets per employee ($millions) | 2.6891% | 6,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6344% | 1,188 |
| Loan loss allowance to noncurrent loans | 64.8532% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 9.6607% | 323 |
| Noncurrent loans to loans | 4.0621% | 1,494 |
| Net loans and leases to total assets | 61.0322% | 3,442 |
| Net loans and leases to deposits | 69.6772% | 3,773 |
| Net loans and leases to core deposits | 71.0924% | 4,279 |
| Total domestic deposits to total assets | 87.5928% | 2,593 |
| Equity capital to assets | 8.8001% | 5,751 |
| Core capital (leverage) ratio | 7.7025% | 6,483 |
| Tier 1 risk-based capital ratio | 10.7310% | 6,652 |
| Total risk-based capital ratio | 13.4046% | 5,833 |
| Memoranda: | ||
| Average total assets | $238,740,500 | 2,684 |
| Average earning assets | $193,411,000 | 2,981 |
| Average equity | $21,416,500 | 3,056 |
| Average total loans | $153,749,500 | 2,575 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6437% | 880 |
| Cost of funding earning assets | 1.2885% | 1,535 |
| Net interest margin | 4.3552% | 1,529 |
| Noninterest income to average assets | 2.5888% | 253 |
| Noninterest expense to average assets | 5.2372% | 316 |
| Loan and lease loss provision to assets | 0.7690% | 1,294 |
| Net operating income to assets | 0.1683% | 5,681 |
| Return on assets (ROA) | 0.2067% | 5,704 |
| Pretax return on assets | 0.2055% | 5,770 |
| Return on Equity (ROE) | 2.4128% | 5,503 |
| Retained earnings to average equity (ytd only) | 2.4128% | 4,501 |
| Net charge-offs to loans | 1.6844% | 905 |
| Credit loss provision to net charge-offs | 64.2929% | 5,050 |
| Earnings coverage of net charge-offs (x) | 0.7827% | 5,208 |
| Efficiency ratio | 84.7260% | 1,689 |
| Assets per employee ($millions) | 2.5301% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6449% | 1,137 |
| Loan loss allowance to noncurrent loans | 62.4579% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 11.2360% | 255 |
| Noncurrent loans to loans | 4.2348% | 1,448 |
| Net loans and leases to total assets | 64.4540% | 3,088 |
| Net loans and leases to deposits | 75.1174% | 3,322 |
| Net loans and leases to core deposits | 76.7533% | 3,872 |
| Total domestic deposits to total assets | 85.8044% | 3,426 |
| Equity capital to assets | 9.1498% | 5,355 |
| Core capital (leverage) ratio | 7.5186% | 6,638 |
| Tier 1 risk-based capital ratio | 10.1833% | 6,806 |
| Total risk-based capital ratio | 13.2883% | 5,790 |
| Memoranda: | ||
| Average total assets | $250,077,800 | 2,522 |
| Average earning assets | $205,820,800 | 2,782 |
| Average equity | $21,427,400 | 2,958 |
| Average total loans | $177,571,600 | 2,285 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7362% | 793 |
| Cost of funding earning assets | 1.3019% | 1,689 |
| Net interest margin | 4.4344% | 1,308 |
| Noninterest income to average assets | 2.9548% | 223 |
| Noninterest expense to average assets | 5.0642% | 353 |
| Loan and lease loss provision to assets | 0.8464% | 1,080 |
| Net operating income to assets | 0.5251% | 4,433 |
| Return on assets (ROA) | 0.5618% | 4,432 |
| Pretax return on assets | 0.7683% | 4,247 |
| Return on Equity (ROE) | 6.6604% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.6604% | 2,157 |
| Net charge-offs to loans | 1.7880% | 750 |
| Credit loss provision to net charge-offs | 65.6504% | 4,614 |
| Earnings coverage of net charge-offs (x) | 1.2134% | 4,713 |
| Efficiency ratio | 76.2966% | 2,798 |
| Assets per employee ($millions) | 2.4969% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6278% | 1,231 |
| Loan loss allowance to noncurrent loans | 46.5209% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 11.2471% | 269 |
| Noncurrent loans to loans | 5.6486% | 1,034 |
| Net loans and leases to total assets | 67.1558% | 2,643 |
| Net loans and leases to deposits | 78.3643% | 2,908 |
| Net loans and leases to core deposits | 80.1033% | 3,619 |
| Total domestic deposits to total assets | 85.6969% | 3,388 |
| Equity capital to assets | 9.2176% | 5,482 |
| Core capital (leverage) ratio | 7.8840% | 6,501 |
| Tier 1 risk-based capital ratio | 10.5454% | 6,761 |
| Total risk-based capital ratio | 13.6113% | 5,597 |
| Memoranda: | ||
| Average total assets | $254,405,000 | 2,490 |
| Average earning assets | $210,771,500 | 2,727 |
| Average equity | $21,459,750 | 2,957 |
| Average total loans | $183,438,250 | 2,217 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7924% | 728 |
| Cost of funding earning assets | 1.3238% | 1,800 |
| Net interest margin | 4.4685% | 1,205 |
| Noninterest income to average assets | 3.2075% | 212 |
| Noninterest expense to average assets | 5.0166% | 366 |
| Loan and lease loss provision to assets | 0.3652% | 2,605 |
| Net operating income to assets | 1.0492% | 2,040 |
| Return on assets (ROA) | 1.0994% | 1,959 |
| Pretax return on assets | 1.6184% | 1,224 |
| Return on Equity (ROE) | 13.4117% | 1,113 |
| Retained earnings to average equity (ytd only) | 13.4117% | 364 |
| Net charge-offs to loans | 2.2846% | 555 |
| Credit loss provision to net charge-offs | 21.8793% | 5,110 |
| Earnings coverage of net charge-offs (x) | 1.1442% | 4,421 |
| Efficiency ratio | 72.3388% | 3,666 |
| Assets per employee ($millions) | 2.3940% | 7,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 2,385 |
| Loan loss allowance to noncurrent loans | 41.0819% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 10.7898% | 329 |
| Noncurrent loans to loans | 4.8568% | 1,358 |
| Net loans and leases to total assets | 70.7445% | 2,063 |
| Net loans and leases to deposits | 82.3782% | 2,395 |
| Net loans and leases to core deposits | 84.2208% | 3,177 |
| Total domestic deposits to total assets | 85.8777% | 3,392 |
| Equity capital to assets | 9.1474% | 5,365 |
| Core capital (leverage) ratio | 7.9869% | 6,312 |
| Tier 1 risk-based capital ratio | 10.3756% | 6,837 |
| Total risk-based capital ratio | 13.3590% | 5,670 |
| Memoranda: | ||
| Average total assets | $260,137,330 | 2,454 |
| Average earning assets | $216,491,330 | 2,684 |
| Average equity | $21,324,670 | 2,957 |
| Average total loans | $190,051,670 | 2,174 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8933% | 605 |
| Cost of funding earning assets | 1.3944% | 1,633 |
| Net interest margin | 4.4989% | 1,075 |
| Noninterest income to average assets | 4.8324% | 139 |
| Noninterest expense to average assets | 4.6801% | 495 |
| Loan and lease loss provision to assets | 0.3697% | 2,345 |
| Net operating income to assets | 2.3275% | 217 |
| Return on assets (ROA) | 2.3275% | 228 |
| Pretax return on assets | 3.5563% | 124 |
| Return on Equity (ROE) | 29.9275% | 80 |
| Retained earnings to average equity (ytd only) | 29.9275% | 56 |
| Net charge-offs to loans | 3.0623% | 353 |
| Credit loss provision to net charge-offs | 16.4366% | 4,306 |
| Earnings coverage of net charge-offs (x) | 1.7456% | 3,435 |
| Efficiency ratio | 54.3127% | 6,667 |
| Assets per employee ($millions) | 2.4143% | 7,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0827% | 2,221 |
| Loan loss allowance to noncurrent loans | 51.8543% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 9.8355% | 427 |
| Noncurrent loans to loans | 4.0164% | 1,810 |
| Net loans and leases to total assets | 71.8311% | 1,755 |
| Net loans and leases to deposits | 87.7188% | 1,493 |
| Net loans and leases to core deposits | 89.9699% | 2,347 |
| Total domestic deposits to total assets | 81.8879% | 5,352 |
| Equity capital to assets | 8.6367% | 5,730 |
| Core capital (leverage) ratio | 6.6928% | 7,119 |
| Tier 1 risk-based capital ratio | 9.7424% | 7,078 |
| Total risk-based capital ratio | 12.6083% | 6,193 |
| Memoranda: | ||
| Average total assets | $270,505,500 | 2,385 |
| Average earning assets | $226,902,000 | 2,585 |
| Average equity | $21,037,500 | 2,979 |
| Average total loans | $198,672,000 | 2,123 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7462% | 1,416 |
| Cost of funding earning assets | 1.6909% | 1,645 |
| Net interest margin | 4.0553% | 2,775 |
| Noninterest income to average assets | 1.1907% | 1,051 |
| Noninterest expense to average assets | 5.7129% | 268 |
| Loan and lease loss provision to assets | 2.2161% | 548 |
| Net operating income to assets | -2.3122% | 7,141 |
| Return on assets (ROA) | -2.2340% | 7,135 |
| Pretax return on assets | -3.1465% | 7,319 |
| Return on Equity (ROE) | -28.6314% | 7,201 |
| Retained earnings to average equity (ytd only) | -28.6314% | 7,189 |
| Net charge-offs to loans | 2.5888% | 716 |
| Credit loss provision to net charge-offs | 114.0683% | 3,808 |
| Earnings coverage of net charge-offs (x) | -0.5356% | 6,473 |
| Efficiency ratio | 105.4323% | 636 |
| Assets per employee ($millions) | 2.4161% | 7,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4335% | 1,506 |
| Loan loss allowance to noncurrent loans | 59.2832% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 7.7315% | 659 |
| Noncurrent loans to loans | 4.1049% | 1,762 |
| Net loans and leases to total assets | 71.7313% | 2,159 |
| Net loans and leases to deposits | 82.9984% | 2,632 |
| Net loans and leases to core deposits | 85.8794% | 3,334 |
| Total domestic deposits to total assets | 86.4249% | 3,121 |
| Equity capital to assets | 7.0192% | 7,108 |
| Core capital (leverage) ratio | 5.9932% | 7,303 |
| Tier 1 risk-based capital ratio | 8.1277% | 7,340 |
| Total risk-based capital ratio | 11.2188% | 6,983 |
| Memoranda: | ||
| Average total assets | $307,705,400 | 2,106 |
| Average earning assets | $264,174,000 | 2,221 |
| Average equity | $24,008,600 | 2,656 |
| Average total loans | $230,913,600 | 1,889 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7258% | 1,624 |
| Cost of funding earning assets | 1.7515% | 1,619 |
| Net interest margin | 3.9743% | 3,214 |
| Noninterest income to average assets | 1.1979% | 973 |
| Noninterest expense to average assets | 4.7973% | 449 |
| Loan and lease loss provision to assets | 2.8426% | 324 |
| Net operating income to assets | -1.8677% | 7,203 |
| Return on assets (ROA) | -1.8677% | 7,215 |
| Pretax return on assets | -3.0234% | 7,426 |
| Return on Equity (ROE) | -23.3970% | 7,282 |
| Retained earnings to average equity (ytd only) | -23.3970% | 7,271 |
| Net charge-offs to loans | 3.2191% | 450 |
| Credit loss provision to net charge-offs | 117.1263% | 3,544 |
| Earnings coverage of net charge-offs (x) | -0.0745% | 6,090 |
| Efficiency ratio | 103.7954% | 641 |
| Assets per employee ($millions) | 2.4838% | 7,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4049% | 1,467 |
| Loan loss allowance to noncurrent loans | 41.5656% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 7.8810% | 642 |
| Noncurrent loans to loans | 5.7857% | 1,121 |
| Net loans and leases to total assets | 72.4678% | 2,140 |
| Net loans and leases to deposits | 84.2149% | 2,670 |
| Net loans and leases to core deposits | 87.4561% | 3,451 |
| Total domestic deposits to total assets | 86.0510% | 3,053 |
| Equity capital to assets | 7.9382% | 6,849 |
| Core capital (leverage) ratio | 6.0878% | 7,420 |
| Tier 1 risk-based capital ratio | 8.0916% | 7,474 |
| Total risk-based capital ratio | 11.1257% | 7,118 |
| Memoranda: | ||
| Average total assets | $312,753,750 | 2,106 |
| Average earning assets | $269,018,750 | 2,221 |
| Average equity | $24,965,500 | 2,592 |
| Average total loans | $235,797,000 | 1,875 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5937% | 2,159 |
| Cost of funding earning assets | 1.7891% | 1,686 |
| Net interest margin | 3.8046% | 3,874 |
| Noninterest income to average assets | 1.1335% | 1,018 |
| Noninterest expense to average assets | 4.6489% | 497 |
| Loan and lease loss provision to assets | 3.3829% | 265 |
| Net operating income to assets | -2.2394% | 7,362 |
| Return on assets (ROA) | -2.2394% | 7,371 |
| Pretax return on assets | -3.6065% | 7,560 |
| Return on Equity (ROE) | -28.0056% | 7,406 |
| Retained earnings to average equity (ytd only) | -28.0056% | 7,392 |
| Net charge-offs to loans | 0.7942% | 2,262 |
| Credit loss provision to net charge-offs | 562.3173% | 660 |
| Earnings coverage of net charge-offs (x) | -0.3716% | 5,964 |
| Efficiency ratio | 104.9383% | 656 |
| Assets per employee ($millions) | 2.6114% | 6,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7245% | 461 |
| Loan loss allowance to noncurrent loans | 46.3999% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 8.7139% | 520 |
| Noncurrent loans to loans | 8.0270% | 650 |
| Net loans and leases to total assets | 72.6333% | 2,247 |
| Net loans and leases to deposits | 85.0730% | 2,689 |
| Net loans and leases to core deposits | 88.5611% | 3,474 |
| Total domestic deposits to total assets | 85.3776% | 3,429 |
| Equity capital to assets | 7.7382% | 6,970 |
| Core capital (leverage) ratio | 6.1667% | 7,455 |
| Tier 1 risk-based capital ratio | 8.0817% | 7,516 |
| Total risk-based capital ratio | 11.0515% | 7,115 |
| Memoranda: | ||
| Average total assets | $318,481,670 | 2,083 |
| Average earning assets | $275,558,000 | 2,195 |
| Average equity | $25,466,330 | 2,545 |
| Average total loans | $241,239,000 | 1,866 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7645% | 1,578 |
| Cost of funding earning assets | 1.8130% | 1,824 |
| Net interest margin | 3.9516% | 3,091 |
| Noninterest income to average assets | 1.0511% | 1,151 |
| Noninterest expense to average assets | 4.3692% | 665 |
| Loan and lease loss provision to assets | 0.5708% | 2,212 |
| Net operating income to assets | -0.2370% | 6,587 |
| Return on assets (ROA) | -0.2370% | 6,657 |
| Pretax return on assets | -0.4405% | 6,747 |
| Return on Equity (ROE) | -2.9187% | 6,729 |
| Retained earnings to average equity (ytd only) | -2.9187% | 6,349 |
| Net charge-offs to loans | 0.6360% | 2,233 |
| Credit loss provision to net charge-offs | 118.2519% | 2,956 |
| Earnings coverage of net charge-offs (x) | 0.2699% | 4,804 |
| Efficiency ratio | 96.9939% | 969 |
| Assets per employee ($millions) | 2.5452% | 7,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 2,688 |
| Loan loss allowance to noncurrent loans | 30.8397% | 6,352 |
| Noncurrent assets plus other real estate owned to assets | 6.2350% | 940 |
| Noncurrent loans to loans | 5.8872% | 1,132 |
| Net loans and leases to total assets | 73.1775% | 2,157 |
| Net loans and leases to deposits | 86.9472% | 2,414 |
| Net loans and leases to core deposits | 90.3121% | 3,324 |
| Total domestic deposits to total assets | 84.1632% | 4,070 |
| Equity capital to assets | 8.0897% | 6,556 |
| Core capital (leverage) ratio | 7.2491% | 7,070 |
| Tier 1 risk-based capital ratio | 9.5947% | 7,252 |
| Total risk-based capital ratio | 12.5086% | 5,857 |
| Memoranda: | ||
| Average total assets | $322,344,000 | 2,105 |
| Average earning assets | $281,306,500 | 2,197 |
| Average equity | $26,176,000 | 2,503 |
| Average total loans | $244,636,000 | 1,895 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2540% | 1,110 |
| Cost of funding earning assets | 2.0157% | 2,890 |
| Net interest margin | 4.2383% | 1,948 |
| Noninterest income to average assets | 1.2387% | 984 |
| Noninterest expense to average assets | 4.1682% | 1,134 |
| Loan and lease loss provision to assets | 1.0046% | 2,267 |
| Net operating income to assets | 0.0011% | 5,479 |
| Return on assets (ROA) | 0.0896% | 5,279 |
| Pretax return on assets | -0.0665% | 5,553 |
| Return on Equity (ROE) | 1.1265% | 5,195 |
| Retained earnings to average equity (ytd only) | 1.1265% | 4,257 |
| Net charge-offs to loans | 1.2891% | 1,927 |
| Credit loss provision to net charge-offs | 99.3603% | 5,607 |
| Earnings coverage of net charge-offs (x) | 0.7910% | 5,316 |
| Efficiency ratio | 83.7952% | 2,374 |
| Assets per employee ($millions) | 2.5113% | 7,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 2,774 |
| Loan loss allowance to noncurrent loans | 33.6382% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 5.7639% | 995 |
| Noncurrent loans to loans | 5.1506% | 1,291 |
| Net loans and leases to total assets | 75.9239% | 1,815 |
| Net loans and leases to deposits | 92.2592% | 1,858 |
| Net loans and leases to core deposits | 110.6454% | 2,827 |
| Total domestic deposits to total assets | 82.2942% | 4,818 |
| Equity capital to assets | 8.1516% | 6,402 |
| Core capital (leverage) ratio | 7.1832% | 7,086 |
| Tier 1 risk-based capital ratio | 9.4003% | 7,281 |
| Total risk-based capital ratio | 12.2665% | 5,870 |
| Memoranda: | ||
| Average total assets | $324,698,800 | 2,086 |
| Average earning assets | $285,706,200 | 2,155 |
| Average equity | $25,831,600 | 2,539 |
| Average total loans | $254,672,400 | 1,867 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2939% | 1,147 |
| Cost of funding earning assets | 2.0336% | 3,196 |
| Net interest margin | 4.2603% | 1,840 |
| Noninterest income to average assets | 1.2456% | 995 |
| Noninterest expense to average assets | 4.2230% | 1,009 |
| Loan and lease loss provision to assets | 1.1436% | 1,706 |
| Net operating income to assets | -0.0911% | 5,875 |
| Return on assets (ROA) | 0.0266% | 5,699 |
| Pretax return on assets | -0.1872% | 5,960 |
| Return on Equity (ROE) | 0.3367% | 5,677 |
| Retained earnings to average equity (ytd only) | 0.3367% | 5,060 |
| Net charge-offs to loans | 1.4834% | 1,381 |
| Credit loss provision to net charge-offs | 97.9306% | 5,221 |
| Earnings coverage of net charge-offs (x) | 0.6615% | 5,370 |
| Efficiency ratio | 84.4293% | 2,246 |
| Assets per employee ($millions) | 2.5407% | 7,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 2,695 |
| Loan loss allowance to noncurrent loans | 40.7588% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 5.1075% | 1,142 |
| Noncurrent loans to loans | 4.1231% | 1,770 |
| Net loans and leases to total assets | 76.7282% | 1,840 |
| Net loans and leases to deposits | 93.2375% | 2,012 |
| Net loans and leases to core deposits | 111.9780% | 3,027 |
| Total domestic deposits to total assets | 82.2933% | 4,544 |
| Equity capital to assets | 8.0159% | 6,835 |
| Core capital (leverage) ratio | 7.1323% | 7,331 |
| Tier 1 risk-based capital ratio | 9.1383% | 7,565 |
| Total risk-based capital ratio | 11.9748% | 6,197 |
| Memoranda: | ||
| Average total assets | $325,511,500 | 2,096 |
| Average earning assets | $286,511,500 | 2,160 |
| Average equity | $25,738,750 | 2,571 |
| Average total loans | $256,250,750 | 1,877 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4988% | 827 |
| Cost of funding earning assets | 2.0684% | 3,432 |
| Net interest margin | 4.4303% | 1,334 |
| Noninterest income to average assets | 1.1658% | 1,153 |
| Noninterest expense to average assets | 4.2873% | 960 |
| Loan and lease loss provision to assets | 1.6474% | 1,014 |
| Net operating income to assets | -0.4680% | 6,516 |
| Return on assets (ROA) | -0.4680% | 6,525 |
| Pretax return on assets | -0.8654% | 6,725 |
| Return on Equity (ROE) | -5.9464% | 6,704 |
| Retained earnings to average equity (ytd only) | -5.9464% | 6,440 |
| Net charge-offs to loans | 1.9722% | 938 |
| Credit loss provision to net charge-offs | 105.7988% | 4,347 |
| Earnings coverage of net charge-offs (x) | 0.5022% | 5,196 |
| Efficiency ratio | 84.4784% | 2,422 |
| Assets per employee ($millions) | 2.5077% | 7,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 2,229 |
| Loan loss allowance to noncurrent loans | 216.7232% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 2.5699% | 2,510 |
| Noncurrent loans to loans | 0.8008% | 5,630 |
| Net loans and leases to total assets | 77.6467% | 1,828 |
| Net loans and leases to deposits | 96.7231% | 1,696 |
| Net loans and leases to core deposits | 115.6746% | 2,744 |
| Total domestic deposits to total assets | 80.2774% | 5,361 |
| Equity capital to assets | 7.7180% | 7,052 |
| Core capital (leverage) ratio | 6.8940% | 7,605 |
| Tier 1 risk-based capital ratio | 8.6978% | 7,815 |
| Total risk-based capital ratio | 11.5123% | 6,567 |
| Memoranda: | ||
| Average total assets | $325,613,670 | 2,119 |
| Average earning assets | $286,885,000 | 2,183 |
| Average equity | $25,629,000 | 2,591 |
| Average total loans | $257,071,330 | 1,905 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4764% | 911 |
| Cost of funding earning assets | 2.1194% | 3,560 |
| Net interest margin | 4.3570% | 1,452 |
| Noninterest income to average assets | 1.1050% | 1,214 |
| Noninterest expense to average assets | 4.1706% | 975 |
| Loan and lease loss provision to assets | 0.5949% | 2,111 |
| Net operating income to assets | 0.1991% | 5,661 |
| Return on assets (ROA) | 0.1991% | 5,828 |
| Pretax return on assets | 0.1930% | 5,956 |
| Return on Equity (ROE) | 2.5055% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.5055% | 4,481 |
| Net charge-offs to loans | 0.6729% | 1,835 |
| Credit loss provision to net charge-offs | 112.0370% | 3,456 |
| Earnings coverage of net charge-offs (x) | 1.4838% | 3,995 |
| Efficiency ratio | 84.0109% | 2,307 |
| Assets per employee ($millions) | 2.4516% | 7,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 2,155 |
| Loan loss allowance to noncurrent loans | 85.4354% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 2.9289% | 1,943 |
| Noncurrent loans to loans | 1.9874% | 3,279 |
| Net loans and leases to total assets | 77.7013% | 1,893 |
| Net loans and leases to deposits | 99.5763% | 1,468 |
| Net loans and leases to core deposits | 118.3389% | 2,568 |
| Total domestic deposits to total assets | 78.0320% | 6,005 |
| Equity capital to assets | 7.9952% | 6,817 |
| Core capital (leverage) ratio | 7.1922% | 7,483 |
| Tier 1 risk-based capital ratio | 9.0919% | 7,737 |
| Total risk-based capital ratio | 11.9147% | 6,134 |
| Memoranda: | ||
| Average total assets | $325,417,500 | 2,134 |
| Average earning assets | $287,814,500 | 2,195 |
| Average equity | $25,863,000 | 2,580 |
| Average total loans | $256,805,000 | 1,917 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2029% | 745 |
| Cost of funding earning assets | 2.7228% | 3,048 |
| Net interest margin | 4.4801% | 1,472 |
| Noninterest income to average assets | 1.0767% | 1,361 |
| Noninterest expense to average assets | 3.9869% | 1,437 |
| Loan and lease loss provision to assets | 0.6350% | 2,285 |
| Net operating income to assets | 0.3371% | 5,409 |
| Return on assets (ROA) | 0.3371% | 5,232 |
| Pretax return on assets | 0.4235% | 5,194 |
| Return on Equity (ROE) | 4.2340% | 4,719 |
| Retained earnings to average equity (ytd only) | 1.7701% | 4,141 |
| Net charge-offs to loans | 0.4253% | 2,691 |
| Credit loss provision to net charge-offs | 188.5368% | 2,624 |
| Earnings coverage of net charge-offs (x) | 3.1426% | 4,515 |
| Efficiency ratio | 78.8590% | 2,780 |
| Assets per employee ($millions) | 2.3706% | 7,452 |
| Cash dividends to net income (ytd only)* | 58.1937% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,940 |
| Loan loss allowance to noncurrent loans | 76.7619% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 3.1548% | 1,450 |
| Noncurrent loans to loans | 2.2014% | 2,510 |
| Net loans and leases to total assets | 77.4558% | 2,277 |
| Net loans and leases to deposits | 102.1087% | 1,578 |
| Net loans and leases to core deposits | 119.8987% | 2,699 |
| Total domestic deposits to total assets | 75.8562% | 6,282 |
| Equity capital to assets | 7.8999% | 6,975 |
| Core capital (leverage) ratio | 7.1761% | 7,547 |
| Tier 1 risk-based capital ratio | 8.9578% | 7,814 |
| Total risk-based capital ratio | 11.7575% | 6,085 |
| Memoranda: | ||
| Average total assets | $318,569,000 | 2,098 |
| Average earning assets | $282,205,800 | 2,160 |
| Average equity | $25,366,000 | 2,616 |
| Average total loans | $252,308,400 | 1,892 |