Home > Huron Community Bank > Performance and Condition Ratios
Huron Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 3,839 |
| Cost of funding earning assets | 0.9324% | 3,453 |
| Net interest margin | 3.1494% | 2,980 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.6681% | 1,823 |
| Loan and lease loss provision to assets | -0.0800% | 4,490 |
| Net operating income to assets | 0.5861% | 3,471 |
| Return on assets (ROA) | 0.5861% | 3,468 |
| Pretax return on assets | 0.6561% | 3,524 |
| Return on Equity (ROE) | 9.2700% | 2,691 |
| Retained earnings to average equity (ytd only) | -3.1508% | 4,337 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.3231% | 826 |
| Assets per employee ($millions) | 5.0015% | 3,633 |
| Cash dividends to net income (ytd only)* | 133.9883% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 788 |
| Loan loss allowance to noncurrent loans | 146.5299% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 1,118 |
| Noncurrent loans to loans | 1.1132% | 650 |
| Net loans and leases to total assets | 44.3600% | 3,883 |
| Net loans and leases to deposits | 51.6983% | 3,890 |
| Net loans and leases to core deposits | 53.7009% | 3,982 |
| Total domestic deposits to total assets | 85.8000% | 2,071 |
| Equity capital to assets | 6.3296% | 4,161 |
| Core capital (leverage) ratio | 8.6946% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $321,272,400 | 2,311 |
| Average earning assets | $301,582,200 | 2,299 |
| Average equity | $20,312,000 | 2,832 |
| Average total loans | $146,449,600 | 2,702 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8779% | 3,908 |
| Cost of funding earning assets | 0.7805% | 3,267 |
| Net interest margin | 3.0974% | 3,231 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 2.7416% | 1,546 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4062% | 3,996 |
| Return on assets (ROA) | 0.4062% | 4,004 |
| Pretax return on assets | 0.4362% | 4,066 |
| Return on Equity (ROE) | 6.2800% | 3,633 |
| Retained earnings to average equity (ytd only) | -1.8376% | 4,281 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 85.6310% | 513 |
| Assets per employee ($millions) | 4.7818% | 3,762 |
| Cash dividends to net income (ytd only)* | 129.2453% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8195% | 581 |
| Loan loss allowance to noncurrent loans | 150.8999% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 846 |
| Noncurrent loans to loans | 1.2058% | 585 |
| Net loans and leases to total assets | 46.5800% | 3,764 |
| Net loans and leases to deposits | 53.0218% | 3,794 |
| Net loans and leases to core deposits | 54.0189% | 3,889 |
| Total domestic deposits to total assets | 87.8500% | 1,660 |
| Equity capital to assets | 6.4135% | 4,029 |
| Core capital (leverage) ratio | 9.2334% | 3,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $313,180,000 | 2,364 |
| Average earning assets | $293,403,333 | 2,350 |
| Average equity | $20,243,667 | 2,846 |
| Average total loans | $145,252,667 | 2,713 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7319% | 3,977 |
| Cost of funding earning assets | 0.7089% | 3,029 |
| Net interest margin | 3.0230% | 3,544 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.7968% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3410% | 4,188 |
| Return on assets (ROA) | 0.3410% | 4,140 |
| Pretax return on assets | 0.3461% | 4,208 |
| Return on Equity (ROE) | 5.2600% | 3,852 |
| Retained earnings to average equity (ytd only) | -5.1769% | 4,334 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.9069% | 394 |
| Assets per employee ($millions) | 4.8805% | 3,743 |
| Cash dividends to net income (ytd only)* | 198.5075% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8710% | 569 |
| Loan loss allowance to noncurrent loans | 146.1329% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6461% | 775 |
| Noncurrent loans to loans | 1.2803% | 528 |
| Net loans and leases to total assets | 45.0500% | 3,823 |
| Net loans and leases to deposits | 51.3337% | 3,829 |
| Net loans and leases to core deposits | 52.1417% | 3,906 |
| Total domestic deposits to total assets | 87.7600% | 1,999 |
| Equity capital to assets | 6.5160% | 4,021 |
| Core capital (leverage) ratio | 9.1790% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $314,363,000 | 2,389 |
| Average earning assets | $294,545,000 | 2,376 |
| Average equity | $20,398,500 | 2,847 |
| Average total loans | $144,149,500 | 2,762 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 3,709 |
| Cost of funding earning assets | 0.2725% | 3,129 |
| Net interest margin | 2.9786% | 3,503 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.4679% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6822% | 3,667 |
| Return on assets (ROA) | 0.6822% | 3,620 |
| Pretax return on assets | 0.7501% | 3,744 |
| Return on Equity (ROE) | 9.5800% | 2,947 |
| Retained earnings to average equity (ytd only) | 9.5819% | 1,288 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.4397% | 968 |
| Assets per employee ($millions) | 4.9433% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8517% | 592 |
| Loan loss allowance to noncurrent loans | 133.1514% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6698% | 738 |
| Noncurrent loans to loans | 1.3907% | 486 |
| Net loans and leases to total assets | 44.9500% | 3,850 |
| Net loans and leases to deposits | 51.9517% | 3,805 |
| Net loans and leases to core deposits | 52.6317% | 3,884 |
| Total domestic deposits to total assets | 86.5300% | 2,562 |
| Equity capital to assets | 6.4620% | 3,914 |
| Core capital (leverage) ratio | 9.1297% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $308,111,800 | 2,414 |
| Average earning assets | $289,124,600 | 2,393 |
| Average equity | $21,937,200 | 2,776 |
| Average total loans | $139,318,200 | 2,735 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0982% | 3,681 |
| Cost of funding earning assets | 0.2009% | 3,259 |
| Net interest margin | 2.8972% | 3,508 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.4867% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6090% | 3,809 |
| Return on assets (ROA) | 0.6090% | 3,763 |
| Pretax return on assets | 0.6483% | 3,901 |
| Return on Equity (ROE) | 8.3500% | 3,218 |
| Retained earnings to average equity (ytd only) | 8.3546% | 1,868 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.0578% | 837 |
| Assets per employee ($millions) | 4.9439% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 618 |
| Loan loss allowance to noncurrent loans | 130.4327% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 759 |
| Noncurrent loans to loans | 1.4464% | 489 |
| Net loans and leases to total assets | 44.1000% | 3,872 |
| Net loans and leases to deposits | 49.7486% | 3,872 |
| Net loans and leases to core deposits | 50.1562% | 3,933 |
| Total domestic deposits to total assets | 88.6400% | 2,236 |
| Equity capital to assets | 6.1123% | 3,918 |
| Core capital (leverage) ratio | 8.6725% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $306,047,000 | 2,439 |
| Average earning assets | $287,301,250 | 2,419 |
| Average equity | $22,310,500 | 2,794 |
| Average total loans | $137,923,750 | 2,753 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0111% | 3,536 |
| Cost of funding earning assets | 0.2011% | 2,899 |
| Net interest margin | 2.8100% | 3,421 |
| Noninterest income to average assets | 0.4349% | 2,540 |
| Noninterest expense to average assets | 2.5176% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5043% | 3,882 |
| Return on assets (ROA) | 0.5043% | 3,835 |
| Pretax return on assets | 0.5592% | 3,906 |
| Return on Equity (ROE) | 6.5492% | 3,437 |
| Retained earnings to average equity (ytd only) | 6.5492% | 2,157 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5467% | 833 |
| Assets per employee ($millions) | 4.6557% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9571% | 601 |
| Loan loss allowance to noncurrent loans | 124.3857% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 724 |
| Noncurrent loans to loans | 1.5734% | 465 |
| Net loans and leases to total assets | 43.7424% | 3,854 |
| Net loans and leases to deposits | 49.5017% | 3,832 |
| Net loans and leases to core deposits | 50.0341% | 3,933 |
| Total domestic deposits to total assets | 88.3654% | 2,437 |
| Equity capital to assets | 6.3897% | 4,063 |
| Core capital (leverage) ratio | 8.8446% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,592,333 | 2,468 |
| Average earning assets | $284,484,333 | 2,465 |
| Average equity | $23,300,667 | 2,794 |
| Average total loans | $136,493,333 | 2,783 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0032% | 3,248 |
| Cost of funding earning assets | 0.2032% | 2,753 |
| Net interest margin | 2.7999% | 3,140 |
| Noninterest income to average assets | 0.5356% | 1,970 |
| Noninterest expense to average assets | 2.5365% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5249% | 3,639 |
| Return on assets (ROA) | 0.5249% | 3,606 |
| Pretax return on assets | 0.6421% | 3,529 |
| Return on Equity (ROE) | 6.2704% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.2704% | 2,149 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5474% | 1,185 |
| Assets per employee ($millions) | 4.5163% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9826% | 634 |
| Loan loss allowance to noncurrent loans | 110.9595% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 638 |
| Noncurrent loans to loans | 1.7868% | 433 |
| Net loans and leases to total assets | 44.5007% | 3,705 |
| Net loans and leases to deposits | 50.6754% | 3,676 |
| Net loans and leases to core deposits | 51.1939% | 3,790 |
| Total domestic deposits to total assets | 87.8151% | 2,616 |
| Equity capital to assets | 7.8249% | 3,704 |
| Core capital (leverage) ratio | 9.0961% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $300,251,500 | 2,495 |
| Average earning assets | $283,435,000 | 2,487 |
| Average equity | $25,134,000 | 2,762 |
| Average total loans | $136,194,000 | 2,780 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2666% | 3,306 |
| Cost of funding earning assets | 0.2065% | 3,401 |
| Net interest margin | 3.0601% | 3,020 |
| Noninterest income to average assets | 0.6387% | 1,993 |
| Noninterest expense to average assets | 2.5314% | 2,084 |
| Loan and lease loss provision to assets | 0.0627% | 1,816 |
| Net operating income to assets | 0.7954% | 3,348 |
| Return on assets (ROA) | 0.8070% | 3,388 |
| Pretax return on assets | 0.9443% | 3,388 |
| Return on Equity (ROE) | 8.1467% | 3,173 |
| Retained earnings to average equity (ytd only) | 1.4950% | 4,120 |
| Net charge-offs to loans | -0.0294% | 4,115 |
| Credit loss provision to net charge-offs | -428.5714% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5500% | 1,560 |
| Assets per employee ($millions) | 4.8005% | 3,887 |
| Cash dividends to net income (ytd only)* | 81.6494% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 652 |
| Loan loss allowance to noncurrent loans | 114.6091% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8280% | 713 |
| Noncurrent loans to loans | 1.7080% | 500 |
| Net loans and leases to total assets | 44.4326% | 3,807 |
| Net loans and leases to deposits | 51.0225% | 3,798 |
| Net loans and leases to core deposits | 51.5411% | 3,924 |
| Total domestic deposits to total assets | 87.0842% | 2,482 |
| Equity capital to assets | 8.9092% | 3,716 |
| Core capital (leverage) ratio | 9.0359% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $286,999,600 | 2,499 |
| Average earning assets | $270,675,600 | 2,482 |
| Average equity | $28,428,600 | 2,621 |
| Average total loans | $142,690,800 | 2,698 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3490% | 3,253 |
| Cost of funding earning assets | 0.2074% | 3,538 |
| Net interest margin | 3.1416% | 2,930 |
| Noninterest income to average assets | 0.6861% | 1,872 |
| Noninterest expense to average assets | 2.4764% | 2,194 |
| Loan and lease loss provision to assets | 0.0636% | 1,726 |
| Net operating income to assets | 0.9354% | 3,134 |
| Return on assets (ROA) | 0.9498% | 3,163 |
| Pretax return on assets | 1.1231% | 3,149 |
| Return on Equity (ROE) | 9.3378% | 2,990 |
| Retained earnings to average equity (ytd only) | 9.3378% | 1,560 |
| Net charge-offs to loans | -0.0389% | 4,243 |
| Credit loss provision to net charge-offs | -321.4286% | 3,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6611% | 1,878 |
| Assets per employee ($millions) | 5.0168% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9594% | 685 |
| Loan loss allowance to noncurrent loans | 123.0985% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 1,003 |
| Noncurrent loans to loans | 1.5917% | 644 |
| Net loans and leases to total assets | 41.7640% | 4,107 |
| Net loans and leases to deposits | 47.8561% | 4,125 |
| Net loans and leases to core deposits | 48.3228% | 4,222 |
| Total domestic deposits to total assets | 87.2700% | 2,233 |
| Equity capital to assets | 9.3888% | 3,477 |
| Core capital (leverage) ratio | 9.3303% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,142,250 | 2,541 |
| Average earning assets | $266,777,000 | 2,532 |
| Average equity | $28,799,750 | 2,636 |
| Average total loans | $144,098,500 | 2,725 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 2,623 |
| Cost of funding earning assets | 0.2158% | 3,592 |
| Net interest margin | 3.3833% | 2,195 |
| Noninterest income to average assets | 0.7855% | 1,574 |
| Noninterest expense to average assets | 2.5800% | 1,909 |
| Loan and lease loss provision to assets | 0.0661% | 1,721 |
| Net operating income to assets | 1.1154% | 2,485 |
| Return on assets (ROA) | 1.1147% | 2,554 |
| Pretax return on assets | 1.3190% | 2,584 |
| Return on Equity (ROE) | 10.6425% | 2,548 |
| Retained earnings to average equity (ytd only) | 10.6425% | 1,207 |
| Net charge-offs to loans | -0.0570% | 4,431 |
| Credit loss provision to net charge-offs | -214.2857% | 3,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8138% | 2,324 |
| Assets per employee ($millions) | 4.7081% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 831 |
| Loan loss allowance to noncurrent loans | 117.5431% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 949 |
| Noncurrent loans to loans | 1.5631% | 713 |
| Net loans and leases to total assets | 48.2392% | 3,705 |
| Net loans and leases to deposits | 56.2608% | 3,691 |
| Net loans and leases to core deposits | 56.8663% | 3,842 |
| Total domestic deposits to total assets | 85.7420% | 2,823 |
| Equity capital to assets | 10.1628% | 2,713 |
| Core capital (leverage) ratio | 9.9752% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $272,170,667 | 2,594 |
| Average earning assets | $255,842,000 | 2,587 |
| Average equity | $28,508,333 | 2,642 |
| Average total loans | $147,252,667 | 2,714 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 1,591 |
| Cost of funding earning assets | 0.2248% | 3,680 |
| Net interest margin | 3.7851% | 1,175 |
| Noninterest income to average assets | 0.8464% | 1,477 |
| Noninterest expense to average assets | 2.6903% | 1,641 |
| Loan and lease loss provision to assets | 0.0680% | 1,793 |
| Net operating income to assets | 1.3149% | 1,780 |
| Return on assets (ROA) | 1.3149% | 1,863 |
| Pretax return on assets | 1.6504% | 1,602 |
| Return on Equity (ROE) | 12.3540% | 1,887 |
| Retained earnings to average equity (ytd only) | 12.3540% | 1,062 |
| Net charge-offs to loans | -0.1118% | 4,672 |
| Credit loss provision to net charge-offs | -107.1429% | 2,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7816% | 2,941 |
| Assets per employee ($millions) | 4.4470% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 989 |
| Loan loss allowance to noncurrent loans | 109.4032% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 914 |
| Noncurrent loans to loans | 1.5770% | 774 |
| Net loans and leases to total assets | 53.5019% | 3,288 |
| Net loans and leases to deposits | 62.7957% | 3,245 |
| Net loans and leases to core deposits | 63.4826% | 3,456 |
| Total domestic deposits to total assets | 85.1999% | 3,027 |
| Equity capital to assets | 10.4642% | 2,301 |
| Core capital (leverage) ratio | 10.4301% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,659,000 | 2,630 |
| Average earning assets | $249,080,500 | 2,619 |
| Average equity | $28,169,000 | 2,659 |
| Average total loans | $150,312,500 | 2,685 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 2,948 |
| Cost of funding earning assets | 0.3811% | 3,700 |
| Net interest margin | 3.5449% | 2,324 |
| Noninterest income to average assets | 0.7954% | 1,543 |
| Noninterest expense to average assets | 2.8549% | 1,807 |
| Loan and lease loss provision to assets | 0.2269% | 1,721 |
| Net operating income to assets | 0.8655% | 2,841 |
| Return on assets (ROA) | 0.8655% | 2,980 |
| Pretax return on assets | 1.0158% | 2,991 |
| Return on Equity (ROE) | 7.7151% | 2,921 |
| Retained earnings to average equity (ytd only) | -0.1113% | 4,533 |
| Net charge-offs to loans | -0.0169% | 4,386 |
| Credit loss provision to net charge-offs | -2,165.3846% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3185% | 2,045 |
| Assets per employee ($millions) | 4.0320% | 4,349 |
| Cash dividends to net income (ytd only)* | 101.4432% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 1,272 |
| Loan loss allowance to noncurrent loans | 103.1001% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 956 |
| Noncurrent loans to loans | 1.5607% | 848 |
| Net loans and leases to total assets | 58.3153% | 3,050 |
| Net loans and leases to deposits | 68.2337% | 3,053 |
| Net loans and leases to core deposits | 69.1830% | 3,320 |
| Total domestic deposits to total assets | 85.4640% | 2,586 |
| Equity capital to assets | 10.8321% | 2,400 |
| Core capital (leverage) ratio | 10.5506% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,172,600 | 2,591 |
| Average earning assets | $231,175,200 | 2,595 |
| Average equity | $27,841,400 | 2,609 |
| Average total loans | $153,424,000 | 2,631 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 2,854 |
| Cost of funding earning assets | 0.4241% | 3,676 |
| Net interest margin | 3.6173% | 2,215 |
| Noninterest income to average assets | 0.7505% | 1,645 |
| Noninterest expense to average assets | 2.8614% | 1,798 |
| Loan and lease loss provision to assets | 0.1591% | 2,408 |
| Net operating income to assets | 0.8596% | 2,864 |
| Return on assets (ROA) | 0.8596% | 2,998 |
| Pretax return on assets | 1.0299% | 2,964 |
| Return on Equity (ROE) | 7.5932% | 2,968 |
| Retained earnings to average equity (ytd only) | 4.7553% | 2,668 |
| Net charge-offs to loans | -0.0217% | 4,446 |
| Credit loss provision to net charge-offs | -1,172.0000% | 3,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2840% | 1,847 |
| Assets per employee ($millions) | 4.2778% | 4,065 |
| Cash dividends to net income (ytd only)* | 37.3737% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,957 |
| Loan loss allowance to noncurrent loans | 81.7469% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.0991% | 950 |
| Noncurrent loans to loans | 1.6513% | 839 |
| Net loans and leases to total assets | 58.4592% | 3,373 |
| Net loans and leases to deposits | 68.4989% | 3,431 |
| Net loans and leases to core deposits | 69.5614% | 3,652 |
| Total domestic deposits to total assets | 85.3433% | 2,307 |
| Equity capital to assets | 10.5698% | 2,731 |
| Core capital (leverage) ratio | 10.1643% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,703,500 | 2,593 |
| Average earning assets | $224,142,250 | 2,619 |
| Average equity | $27,813,750 | 2,605 |
| Average total loans | $153,544,250 | 2,637 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 2,868 |
| Cost of funding earning assets | 0.4676% | 3,712 |
| Net interest margin | 3.6966% | 2,174 |
| Noninterest income to average assets | 0.6499% | 1,933 |
| Noninterest expense to average assets | 2.9728% | 1,653 |
| Loan and lease loss provision to assets | 0.1718% | 2,290 |
| Net operating income to assets | 0.7819% | 3,101 |
| Return on assets (ROA) | 0.7819% | 3,221 |
| Pretax return on assets | 0.9308% | 3,229 |
| Return on Equity (ROE) | 6.7349% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.8034% | 2,564 |
| Net charge-offs to loans | 0.1381% | 1,024 |
| Credit loss provision to net charge-offs | 195.1923% | 1,944 |
| Earnings coverage of net charge-offs (x) | 12.5288% | 2,046 |
| Efficiency ratio | 72.5706% | 1,612 |
| Assets per employee ($millions) | 3.9657% | 4,347 |
| Cash dividends to net income (ytd only)* | 28.6797% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,528 |
| Loan loss allowance to noncurrent loans | 281.1698% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 2,691 |
| Noncurrent loans to loans | 0.4262% | 2,883 |
| Net loans and leases to total assets | 63.0446% | 3,000 |
| Net loans and leases to deposits | 78.9407% | 2,549 |
| Net loans and leases to core deposits | 80.3278% | 2,920 |
| Total domestic deposits to total assets | 79.8633% | 3,864 |
| Equity capital to assets | 11.0822% | 2,264 |
| Core capital (leverage) ratio | 10.9962% | 1,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,345,000 | 2,630 |
| Average earning assets | $219,010,333 | 2,636 |
| Average equity | $27,439,000 | 2,617 |
| Average total loans | $150,646,000 | 2,653 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 3,074 |
| Cost of funding earning assets | 0.5167% | 3,863 |
| Net interest margin | 3.7322% | 2,210 |
| Noninterest income to average assets | 0.5088% | 2,509 |
| Noninterest expense to average assets | 3.1006% | 1,636 |
| Loan and lease loss provision to assets | 0.0940% | 2,504 |
| Net operating income to assets | 0.6471% | 3,457 |
| Return on assets (ROA) | 0.6471% | 3,518 |
| Pretax return on assets | 0.7588% | 3,524 |
| Return on Equity (ROE) | 5.4326% | 3,498 |
| Retained earnings to average equity (ytd only) | 2.8577% | 3,139 |
| Net charge-offs to loans | 0.2894% | 506 |
| Credit loss provision to net charge-offs | 50.9615% | 2,054 |
| Earnings coverage of net charge-offs (x) | 4.6250% | 2,123 |
| Efficiency ratio | 78.0269% | 1,330 |
| Assets per employee ($millions) | 3.4765% | 4,504 |
| Cash dividends to net income (ytd only)* | 47.3973% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,304 |
| Loan loss allowance to noncurrent loans | 201.7738% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 2,200 |
| Noncurrent loans to loans | 0.6274% | 2,420 |
| Net loans and leases to total assets | 61.8625% | 3,313 |
| Net loans and leases to deposits | 76.1511% | 3,061 |
| Net loans and leases to core deposits | 78.0131% | 3,354 |
| Total domestic deposits to total assets | 81.2365% | 3,617 |
| Equity capital to assets | 11.6293% | 2,338 |
| Core capital (leverage) ratio | 11.7623% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,631,000 | 2,669 |
| Average earning assets | $208,243,000 | 2,679 |
| Average equity | $26,875,000 | 2,645 |
| Average total loans | $143,727,500 | 2,697 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 2,881 |
| Cost of funding earning assets | 0.5010% | 4,088 |
| Net interest margin | 4.0166% | 1,802 |
| Noninterest income to average assets | 0.4889% | 2,805 |
| Noninterest expense to average assets | 2.9045% | 2,279 |
| Loan and lease loss provision to assets | 0.2815% | 619 |
| Net operating income to assets | 0.8543% | 3,381 |
| Return on assets (ROA) | 0.8585% | 3,452 |
| Pretax return on assets | 1.0201% | 3,415 |
| Return on Equity (ROE) | 7.2653% | 3,459 |
| Retained earnings to average equity (ytd only) | 6.0282% | 1,851 |
| Net charge-offs to loans | 0.3963% | 494 |
| Credit loss provision to net charge-offs | 109.5406% | 2,273 |
| Earnings coverage of net charge-offs (x) | 5.0459% | 3,137 |
| Efficiency ratio | 68.4677% | 2,394 |
| Assets per employee ($millions) | 3.4659% | 4,510 |
| Cash dividends to net income (ytd only)* | 17.0280% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 1,911 |
| Loan loss allowance to noncurrent loans | 210.9357% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 2,045 |
| Noncurrent loans to loans | 0.6173% | 2,345 |
| Net loans and leases to total assets | 63.9372% | 3,210 |
| Net loans and leases to deposits | 75.7363% | 3,207 |
| Net loans and leases to core deposits | 77.5752% | 3,474 |
| Total domestic deposits to total assets | 84.4209% | 2,716 |
| Equity capital to assets | 12.2025% | 2,010 |
| Core capital (leverage) ratio | 11.9656% | 1,804 |
| Tier 1 risk-based capital ratio | 16.8149% | 2,117 |
| Total risk-based capital ratio | 18.0045% | 2,074 |
| Memoranda: | ||
| Average total assets | $220,279,000 | 2,657 |
| Average earning assets | $203,580,800 | 2,674 |
| Average equity | $26,027,800 | 2,631 |
| Average total loans | $142,825,800 | 2,692 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 3,047 |
| Cost of funding earning assets | 0.4931% | 4,168 |
| Net interest margin | 4.0130% | 1,894 |
| Noninterest income to average assets | 0.4796% | 2,853 |
| Noninterest expense to average assets | 2.9456% | 2,114 |
| Loan and lease loss provision to assets | 0.0352% | 3,196 |
| Net operating income to assets | 1.0130% | 2,933 |
| Return on assets (ROA) | 1.0180% | 2,990 |
| Pretax return on assets | 1.2206% | 2,915 |
| Return on Equity (ROE) | 8.6876% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.8649% | 1,457 |
| Net charge-offs to loans | 0.0374% | 2,340 |
| Credit loss provision to net charge-offs | 145.0000% | 1,678 |
| Earnings coverage of net charge-offs (x) | 51.5269% | 1,169 |
| Efficiency ratio | 69.5332% | 2,185 |
| Assets per employee ($millions) | 3.6733% | 4,308 |
| Cash dividends to net income (ytd only)* | 9.4697% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,090 |
| Loan loss allowance to noncurrent loans | 116.4340% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 1,566 |
| Noncurrent loans to loans | 1.0956% | 1,450 |
| Net loans and leases to total assets | 60.4095% | 3,641 |
| Net loans and leases to deposits | 70.9088% | 3,697 |
| Net loans and leases to core deposits | 72.7139% | 3,906 |
| Total domestic deposits to total assets | 85.1932% | 2,352 |
| Equity capital to assets | 11.4601% | 2,686 |
| Core capital (leverage) ratio | 11.3486% | 2,342 |
| Tier 1 risk-based capital ratio | 17.1137% | 2,047 |
| Total risk-based capital ratio | 18.3041% | 2,022 |
| Memoranda: | ||
| Average total assets | $219,894,750 | 2,684 |
| Average earning assets | $203,601,250 | 2,691 |
| Average equity | $25,768,000 | 2,660 |
| Average total loans | $142,608,750 | 2,716 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5348% | 2,901 |
| Cost of funding earning assets | 0.4830% | 4,193 |
| Net interest margin | 4.0518% | 1,757 |
| Noninterest income to average assets | 0.4655% | 2,874 |
| Noninterest expense to average assets | 3.0229% | 1,945 |
| Loan and lease loss provision to assets | 0.0326% | 3,183 |
| Net operating income to assets | 0.9781% | 2,999 |
| Return on assets (ROA) | 0.9859% | 3,043 |
| Pretax return on assets | 1.1758% | 2,999 |
| Return on Equity (ROE) | 8.3462% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.0931% | 1,763 |
| Net charge-offs to loans | 0.0633% | 1,746 |
| Credit loss provision to net charge-offs | 77.7778% | 2,247 |
| Earnings coverage of net charge-offs (x) | 28.6222% | 1,508 |
| Efficiency ratio | 70.9151% | 2,081 |
| Assets per employee ($millions) | 3.4456% | 4,557 |
| Cash dividends to net income (ytd only)* | 15.0142% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,276 |
| Loan loss allowance to noncurrent loans | 581.3505% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 3,075 |
| Noncurrent loans to loans | 0.2144% | 3,774 |
| Net loans and leases to total assets | 65.9781% | 3,110 |
| Net loans and leases to deposits | 81.1376% | 2,828 |
| Net loans and leases to core deposits | 83.3154% | 3,172 |
| Total domestic deposits to total assets | 81.3163% | 3,718 |
| Equity capital to assets | 12.0693% | 2,134 |
| Core capital (leverage) ratio | 11.7835% | 1,958 |
| Tier 1 risk-based capital ratio | 16.8300% | 2,135 |
| Total risk-based capital ratio | 18.0119% | 2,100 |
| Memoranda: | ||
| Average total assets | $214,828,330 | 2,735 |
| Average earning assets | $199,172,000 | 2,747 |
| Average equity | $25,376,670 | 2,682 |
| Average total loans | $142,193,670 | 2,743 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4906% | 2,906 |
| Cost of funding earning assets | 0.4299% | 4,361 |
| Net interest margin | 4.0607% | 1,663 |
| Noninterest income to average assets | 0.4567% | 2,815 |
| Noninterest expense to average assets | 3.0490% | 1,852 |
| Loan and lease loss provision to assets | 0.0281% | 3,049 |
| Net operating income to assets | 0.9374% | 3,105 |
| Return on assets (ROA) | 0.9527% | 3,082 |
| Pretax return on assets | 1.1642% | 2,925 |
| Return on Equity (ROE) | 8.1553% | 3,190 |
| Retained earnings to average equity (ytd only) | 5.6077% | 2,635 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4982% | 2,113 |
| Assets per employee ($millions) | 3.4980% | 4,564 |
| Cash dividends to net income (ytd only)* | 31.2377% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,063 |
| Loan loss allowance to noncurrent loans | 547.1642% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 2,977 |
| Noncurrent loans to loans | 0.2388% | 3,720 |
| Net loans and leases to total assets | 64.8975% | 3,181 |
| Net loans and leases to deposits | 77.3383% | 3,129 |
| Net loans and leases to core deposits | 79.0058% | 3,451 |
| Total domestic deposits to total assets | 83.9138% | 3,075 |
| Equity capital to assets | 11.8491% | 2,118 |
| Core capital (leverage) ratio | 11.7534% | 1,937 |
| Tier 1 risk-based capital ratio | 16.8976% | 2,137 |
| Total risk-based capital ratio | 18.1277% | 2,093 |
| Memoranda: | ||
| Average total assets | $213,706,500 | 2,774 |
| Average earning assets | $198,193,500 | 2,785 |
| Average equity | $24,965,500 | 2,717 |
| Average total loans | $140,776,500 | 2,792 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 2,948 |
| Cost of funding earning assets | 0.3544% | 4,256 |
| Net interest margin | 3.9897% | 2,017 |
| Noninterest income to average assets | 0.4868% | 2,899 |
| Noninterest expense to average assets | 3.0054% | 2,033 |
| Loan and lease loss provision to assets | -0.0701% | 5,229 |
| Net operating income to assets | 1.0388% | 2,851 |
| Return on assets (ROA) | 1.0388% | 2,835 |
| Pretax return on assets | 1.2443% | 2,721 |
| Return on Equity (ROE) | 9.1779% | 2,901 |
| Retained earnings to average equity (ytd only) | 6.1874% | 2,099 |
| Net charge-offs to loans | -0.0719% | 5,072 |
| Credit loss provision to net charge-offs | 144.1176% | 1,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1874% | 2,020 |
| Assets per employee ($millions) | 3.3443% | 4,704 |
| Cash dividends to net income (ytd only)* | 32.5838% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,111 |
| Loan loss allowance to noncurrent loans | 600.0000% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.3892% | 3,003 |
| Noncurrent loans to loans | 0.2145% | 3,813 |
| Net loans and leases to total assets | 65.1412% | 3,239 |
| Net loans and leases to deposits | 77.2256% | 3,253 |
| Net loans and leases to core deposits | 78.5447% | 3,533 |
| Total domestic deposits to total assets | 84.3518% | 2,889 |
| Equity capital to assets | 11.5157% | 2,246 |
| Core capital (leverage) ratio | 11.6750% | 1,974 |
| Tier 1 risk-based capital ratio | 16.7294% | 2,159 |
| Total risk-based capital ratio | 17.9550% | 2,117 |
| Memoranda: | ||
| Average total assets | $209,752,600 | 2,769 |
| Average earning assets | $194,147,800 | 2,776 |
| Average equity | $23,741,800 | 2,748 |
| Average total loans | $141,960,400 | 2,746 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 3,070 |
| Cost of funding earning assets | 0.3384% | 4,257 |
| Net interest margin | 3.9328% | 2,185 |
| Noninterest income to average assets | 0.5015% | 2,854 |
| Noninterest expense to average assets | 3.0374% | 1,908 |
| Loan and lease loss provision to assets | -0.0486% | 5,287 |
| Net operating income to assets | 0.9660% | 3,234 |
| Return on assets (ROA) | 0.9660% | 3,247 |
| Pretax return on assets | 1.1513% | 3,187 |
| Return on Equity (ROE) | 8.5729% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.2787% | 3,074 |
| Net charge-offs to loans | -0.1126% | 5,197 |
| Credit loss provision to net charge-offs | 63.3333% | 2,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6543% | 1,787 |
| Assets per employee ($millions) | 3.6231% | 4,404 |
| Cash dividends to net income (ytd only)* | 38.4261% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,908 |
| Loan loss allowance to noncurrent loans | 447.6526% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 3,306 |
| Noncurrent loans to loans | 0.3000% | 3,603 |
| Net loans and leases to total assets | 62.3747% | 3,615 |
| Net loans and leases to deposits | 73.0703% | 3,671 |
| Net loans and leases to core deposits | 74.4886% | 3,912 |
| Total domestic deposits to total assets | 85.3627% | 2,462 |
| Equity capital to assets | 10.6495% | 2,987 |
| Core capital (leverage) ratio | 10.8224% | 2,768 |
| Tier 1 risk-based capital ratio | 16.3240% | 2,324 |
| Total risk-based capital ratio | 17.5741% | 2,269 |
| Memoranda: | ||
| Average total assets | $208,681,250 | 2,802 |
| Average earning assets | $193,072,500 | 2,807 |
| Average equity | $23,515,250 | 2,784 |
| Average total loans | $142,139,250 | 2,759 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,793 |
| Cost of funding earning assets | 0.3298% | 4,205 |
| Net interest margin | 3.9613% | 1,996 |
| Noninterest income to average assets | 0.4799% | 2,976 |
| Noninterest expense to average assets | 3.1018% | 1,780 |
| Loan and lease loss provision to assets | 0.0187% | 3,523 |
| Net operating income to assets | 0.8635% | 3,614 |
| Return on assets (ROA) | 0.8635% | 3,612 |
| Pretax return on assets | 1.0218% | 3,597 |
| Return on Equity (ROE) | 7.5108% | 3,720 |
| Retained earnings to average equity (ytd only) | 3.1480% | 3,992 |
| Net charge-offs to loans | -0.0366% | 4,810 |
| Credit loss provision to net charge-offs | -73.0769% | 4,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1928% | 1,682 |
| Assets per employee ($millions) | 3.1153% | 5,002 |
| Cash dividends to net income (ytd only)* | 58.0866% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 2,218 |
| Loan loss allowance to noncurrent loans | 147.2222% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 1,883 |
| Noncurrent loans to loans | 0.8758% | 1,979 |
| Net loans and leases to total assets | 71.0446% | 2,429 |
| Net loans and leases to deposits | 85.1150% | 2,421 |
| Net loans and leases to core deposits | 87.0942% | 2,812 |
| Total domestic deposits to total assets | 83.4689% | 3,259 |
| Equity capital to assets | 11.4239% | 2,249 |
| Core capital (leverage) ratio | 11.3912% | 2,165 |
| Tier 1 risk-based capital ratio | 15.3005% | 2,729 |
| Total risk-based capital ratio | 16.5332% | 2,668 |
| Memoranda: | ||
| Average total assets | $203,364,670 | 2,871 |
| Average earning assets | $188,021,000 | 2,878 |
| Average equity | $23,379,670 | 2,808 |
| Average total loans | $142,179,000 | 2,771 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2061% | 2,861 |
| Cost of funding earning assets | 0.2823% | 4,491 |
| Net interest margin | 3.9238% | 1,951 |
| Noninterest income to average assets | 0.4608% | 3,052 |
| Noninterest expense to average assets | 3.1309% | 1,740 |
| Loan and lease loss provision to assets | 0.0455% | 2,855 |
| Net operating income to assets | 0.7773% | 3,804 |
| Return on assets (ROA) | 0.7773% | 3,802 |
| Pretax return on assets | 0.9138% | 3,803 |
| Return on Equity (ROE) | 6.7395% | 3,886 |
| Retained earnings to average equity (ytd only) | 2.4180% | 4,204 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0155% | 1,593 |
| Assets per employee ($millions) | 3.1003% | 5,088 |
| Cash dividends to net income (ytd only)* | 64.1221% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,109 |
| Loan loss allowance to noncurrent loans | 728.1853% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,404 |
| Noncurrent loans to loans | 0.1824% | 4,151 |
| Net loans and leases to total assets | 68.4752% | 2,702 |
| Net loans and leases to deposits | 83.3838% | 2,466 |
| Net loans and leases to core deposits | 84.9990% | 2,893 |
| Total domestic deposits to total assets | 82.1205% | 3,924 |
| Equity capital to assets | 11.3689% | 2,245 |
| Core capital (leverage) ratio | 11.5301% | 1,985 |
| Tier 1 risk-based capital ratio | 15.5262% | 2,656 |
| Total risk-based capital ratio | 16.7756% | 2,592 |
| Memoranda: | ||
| Average total assets | $202,240,500 | 2,914 |
| Average earning assets | $187,062,500 | 2,921 |
| Average equity | $23,325,000 | 2,833 |
| Average total loans | $139,276,000 | 2,820 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 3,108 |
| Cost of funding earning assets | 0.2202% | 4,791 |
| Net interest margin | 3.8639% | 2,211 |
| Noninterest income to average assets | 0.5357% | 2,796 |
| Noninterest expense to average assets | 2.9358% | 2,326 |
| Loan and lease loss provision to assets | -0.0260% | 5,344 |
| Net operating income to assets | 0.7329% | 3,461 |
| Return on assets (ROA) | 0.7338% | 3,499 |
| Pretax return on assets | 1.1915% | 2,808 |
| Return on Equity (ROE) | 6.2836% | 3,634 |
| Retained earnings to average equity (ytd only) | 2.4843% | 3,842 |
| Net charge-offs to loans | -0.0290% | 5,059 |
| Credit loss provision to net charge-offs | 126.8293% | 2,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6081% | 2,290 |
| Assets per employee ($millions) | 3.1724% | 5,059 |
| Cash dividends to net income (ytd only)* | 60.4635% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 1,914 |
| Loan loss allowance to noncurrent loans | 692.5651% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 3,257 |
| Noncurrent loans to loans | 0.1970% | 4,126 |
| Net loans and leases to total assets | 67.3913% | 2,901 |
| Net loans and leases to deposits | 79.6943% | 2,950 |
| Net loans and leases to core deposits | 81.1033% | 3,323 |
| Total domestic deposits to total assets | 84.5623% | 3,013 |
| Equity capital to assets | 11.7016% | 2,030 |
| Core capital (leverage) ratio | 11.3651% | 2,048 |
| Tier 1 risk-based capital ratio | 16.1478% | 2,379 |
| Total risk-based capital ratio | 17.3985% | 2,322 |
| Memoranda: | ||
| Average total assets | $199,911,800 | 2,923 |
| Average earning assets | $184,400,600 | 2,919 |
| Average equity | $23,346,400 | 2,817 |
| Average total loans | $141,242,400 | 2,759 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 3,268 |
| Cost of funding earning assets | 0.2155% | 4,844 |
| Net interest margin | 3.8081% | 2,365 |
| Noninterest income to average assets | 0.5802% | 2,582 |
| Noninterest expense to average assets | 2.8270% | 2,639 |
| Loan and lease loss provision to assets | 0.0567% | 2,955 |
| Net operating income to assets | 0.8649% | 3,204 |
| Return on assets (ROA) | 0.8663% | 3,245 |
| Pretax return on assets | 1.2098% | 2,862 |
| Return on Equity (ROE) | 7.4218% | 3,430 |
| Retained earnings to average equity (ytd only) | 2.5482% | 4,363 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0954% | 2,692 |
| Assets per employee ($millions) | 3.5773% | 4,611 |
| Cash dividends to net income (ytd only)* | 65.6655% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 1,959 |
| Loan loss allowance to noncurrent loans | 583.0357% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 3,331 |
| Noncurrent loans to loans | 0.2373% | 4,105 |
| Net loans and leases to total assets | 65.0587% | 3,238 |
| Net loans and leases to deposits | 76.1284% | 3,365 |
| Net loans and leases to core deposits | 77.5933% | 3,672 |
| Total domestic deposits to total assets | 85.4592% | 2,533 |
| Equity capital to assets | 10.9976% | 2,869 |
| Core capital (leverage) ratio | 11.7158% | 1,872 |
| Tier 1 risk-based capital ratio | 15.6388% | 2,658 |
| Total risk-based capital ratio | 16.8898% | 2,600 |
| Memoranda: | ||
| Average total assets | $199,924,500 | 2,951 |
| Average earning assets | $184,339,750 | 2,945 |
| Average equity | $23,336,250 | 2,849 |
| Average total loans | $142,415,000 | 2,766 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 2,934 |
| Cost of funding earning assets | 0.2226% | 4,778 |
| Net interest margin | 3.8485% | 2,103 |
| Noninterest income to average assets | 0.5702% | 2,599 |
| Noninterest expense to average assets | 2.8828% | 2,483 |
| Loan and lease loss provision to assets | 0.0615% | 2,734 |
| Net operating income to assets | 0.8389% | 3,202 |
| Return on assets (ROA) | 0.8389% | 3,255 |
| Pretax return on assets | 1.1712% | 2,890 |
| Return on Equity (ROE) | 7.0376% | 3,532 |
| Retained earnings to average equity (ytd only) | 3.0284% | 3,913 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0473% | 2,662 |
| Assets per employee ($millions) | 3.2310% | 5,060 |
| Cash dividends to net income (ytd only)* | 56.9682% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 2,152 |
| Loan loss allowance to noncurrent loans | 240.5473% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 2,222 |
| Noncurrent loans to loans | 0.5630% | 3,051 |
| Net loans and leases to total assets | 72.6678% | 2,097 |
| Net loans and leases to deposits | 87.5825% | 2,037 |
| Net loans and leases to core deposits | 89.5063% | 2,573 |
| Total domestic deposits to total assets | 82.9706% | 3,579 |
| Equity capital to assets | 12.1274% | 1,847 |
| Core capital (leverage) ratio | 12.0080% | 1,629 |
| Tier 1 risk-based capital ratio | 15.4856% | 2,711 |
| Total risk-based capital ratio | 16.7359% | 2,645 |
| Memoranda: | ||
| Average total assets | $195,020,330 | 3,006 |
| Average earning assets | $179,655,330 | 3,006 |
| Average equity | $23,246,670 | 2,855 |
| Average total loans | $142,687,000 | 2,763 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 3,032 |
| Cost of funding earning assets | 0.2240% | 4,766 |
| Net interest margin | 3.7793% | 2,188 |
| Noninterest income to average assets | 0.5992% | 2,421 |
| Noninterest expense to average assets | 2.7791% | 2,868 |
| Loan and lease loss provision to assets | 0.0613% | 2,582 |
| Net operating income to assets | 0.8712% | 2,897 |
| Return on assets (ROA) | 0.8712% | 2,951 |
| Pretax return on assets | 1.2433% | 2,436 |
| Return on Equity (ROE) | 7.3718% | 3,223 |
| Retained earnings to average equity (ytd only) | 4.5339% | 3,159 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0521% | 3,187 |
| Assets per employee ($millions) | 3.2157% | 5,146 |
| Cash dividends to net income (ytd only)* | 38.4977% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,369 |
| Loan loss allowance to noncurrent loans | 360.6061% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 2,740 |
| Noncurrent loans to loans | 0.3700% | 3,770 |
| Net loans and leases to total assets | 71.7868% | 2,100 |
| Net loans and leases to deposits | 84.2353% | 2,257 |
| Net loans and leases to core deposits | 86.0109% | 2,707 |
| Total domestic deposits to total assets | 85.2218% | 2,994 |
| Equity capital to assets | 11.8648% | 1,931 |
| Core capital (leverage) ratio | 11.7722% | 1,773 |
| Tier 1 risk-based capital ratio | 15.4913% | 2,758 |
| Total risk-based capital ratio | 16.7416% | 2,688 |
| Memoranda: | ||
| Average total assets | $195,601,000 | 3,038 |
| Average earning assets | $180,351,500 | 3,032 |
| Average equity | $23,115,000 | 2,877 |
| Average total loans | $142,627,000 | 2,777 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,122 |
| Cost of funding earning assets | 0.2206% | 4,826 |
| Net interest margin | 3.7999% | 2,318 |
| Noninterest income to average assets | 0.5405% | 2,975 |
| Noninterest expense to average assets | 2.8754% | 2,765 |
| Loan and lease loss provision to assets | 0.0496% | 3,406 |
| Net operating income to assets | 0.8184% | 3,217 |
| Return on assets (ROA) | 0.8184% | 3,323 |
| Pretax return on assets | 1.1124% | 3,055 |
| Return on Equity (ROE) | 6.9937% | 3,468 |
| Retained earnings to average equity (ytd only) | 4.0399% | 3,042 |
| Net charge-offs to loans | -0.0887% | 5,551 |
| Credit loss provision to net charge-offs | -78.0488% | 4,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2183% | 2,706 |
| Assets per employee ($millions) | 3.2507% | 5,097 |
| Cash dividends to net income (ytd only)* | 42.2348% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 2,462 |
| Loan loss allowance to noncurrent loans | 359.6929% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 2,478 |
| Noncurrent loans to loans | 0.3655% | 3,812 |
| Net loans and leases to total assets | 72.1173% | 2,152 |
| Net loans and leases to deposits | 86.3034% | 2,132 |
| Net loans and leases to core deposits | 88.1770% | 2,650 |
| Total domestic deposits to total assets | 83.5625% | 3,580 |
| Equity capital to assets | 11.7698% | 1,955 |
| Core capital (leverage) ratio | 11.4674% | 1,957 |
| Tier 1 risk-based capital ratio | 15.5297% | 2,740 |
| Total risk-based capital ratio | 16.7799% | 2,668 |
| Memoranda: | ||
| Average total assets | $193,540,800 | 3,029 |
| Average earning assets | $178,111,600 | 3,033 |
| Average equity | $22,648,800 | 2,926 |
| Average total loans | $138,734,600 | 2,796 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 3,224 |
| Cost of funding earning assets | 0.2182% | 4,895 |
| Net interest margin | 3.7845% | 2,390 |
| Noninterest income to average assets | 0.5474% | 2,930 |
| Noninterest expense to average assets | 2.8928% | 2,661 |
| Loan and lease loss provision to assets | 0.0759% | 2,703 |
| Net operating income to assets | 0.8159% | 3,294 |
| Return on assets (ROA) | 0.8159% | 3,430 |
| Pretax return on assets | 1.0623% | 3,385 |
| Return on Equity (ROE) | 6.9819% | 3,566 |
| Retained earnings to average equity (ytd only) | 3.7922% | 3,615 |
| Net charge-offs to loans | -0.1161% | 5,628 |
| Credit loss provision to net charge-offs | -91.6667% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7637% | 2,610 |
| Assets per employee ($millions) | 3.7495% | 4,390 |
| Cash dividends to net income (ytd only)* | 45.6852% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 2,466 |
| Loan loss allowance to noncurrent loans | 255.0744% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 2,415 |
| Noncurrent loans to loans | 0.5271% | 3,414 |
| Net loans and leases to total assets | 67.0769% | 2,939 |
| Net loans and leases to deposits | 78.7086% | 3,112 |
| Net loans and leases to core deposits | 80.0431% | 3,439 |
| Total domestic deposits to total assets | 85.2218% | 2,708 |
| Equity capital to assets | 11.1476% | 2,861 |
| Core capital (leverage) ratio | 11.8245% | 1,797 |
| Tier 1 risk-based capital ratio | 15.3787% | 2,878 |
| Total risk-based capital ratio | 16.6290% | 2,812 |
| Memoranda: | ||
| Average total assets | $193,165,500 | 3,038 |
| Average earning assets | $177,809,500 | 3,044 |
| Average equity | $22,572,000 | 2,959 |
| Average total loans | $137,785,000 | 2,814 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,022 |
| Cost of funding earning assets | 0.2211% | 4,926 |
| Net interest margin | 3.8399% | 2,171 |
| Noninterest income to average assets | 0.4650% | 3,430 |
| Noninterest expense to average assets | 2.8949% | 2,692 |
| Loan and lease loss provision to assets | 0.0879% | 2,387 |
| Net operating income to assets | 0.7605% | 3,502 |
| Return on assets (ROA) | 0.7605% | 3,642 |
| Pretax return on assets | 1.0148% | 3,531 |
| Return on Equity (ROE) | 6.4013% | 3,852 |
| Retained earnings to average equity (ytd only) | 2.6211% | 4,231 |
| Net charge-offs to loans | -0.2117% | 5,822 |
| Credit loss provision to net charge-offs | -57.2414% | 4,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4165% | 2,593 |
| Assets per employee ($millions) | 3.0547% | 5,367 |
| Cash dividends to net income (ytd only)* | 59.0529% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 2,482 |
| Loan loss allowance to noncurrent loans | 206.0175% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 1,902 |
| Noncurrent loans to loans | 0.6606% | 3,090 |
| Net loans and leases to total assets | 74.4577% | 1,736 |
| Net loans and leases to deposits | 89.8076% | 1,778 |
| Net loans and leases to core deposits | 91.9033% | 2,362 |
| Total domestic deposits to total assets | 82.9079% | 3,688 |
| Equity capital to assets | 12.3726% | 1,852 |
| Core capital (leverage) ratio | 12.1476% | 1,544 |
| Tier 1 risk-based capital ratio | 15.2433% | 2,965 |
| Total risk-based capital ratio | 16.4937% | 2,904 |
| Memoranda: | ||
| Average total assets | $188,813,000 | 3,101 |
| Average earning assets | $173,703,330 | 3,099 |
| Average equity | $22,433,000 | 2,978 |
| Average total loans | $136,975,670 | 2,836 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,329 |
| Cost of funding earning assets | 0.2178% | 5,028 |
| Net interest margin | 3.7528% | 2,469 |
| Noninterest income to average assets | 0.5074% | 3,068 |
| Noninterest expense to average assets | 2.8855% | 2,752 |
| Loan and lease loss provision to assets | 0.1148% | 1,823 |
| Net operating income to assets | 0.7099% | 3,663 |
| Return on assets (ROA) | 0.7099% | 3,784 |
| Pretax return on assets | 0.9604% | 3,620 |
| Return on Equity (ROE) | 6.0956% | 3,936 |
| Retained earnings to average equity (ytd only) | 2.2769% | 4,348 |
| Net charge-offs to loans | -0.1585% | 5,786 |
| Credit loss provision to net charge-offs | -101.8519% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8519% | 2,669 |
| Assets per employee ($millions) | 3.3067% | 5,117 |
| Cash dividends to net income (ytd only)* | 62.6471% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 2,962 |
| Loan loss allowance to noncurrent loans | 238.7009% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.2234% | 1,783 |
| Noncurrent loans to loans | 0.5408% | 3,566 |
| Net loans and leases to total assets | 71.5615% | 2,106 |
| Net loans and leases to deposits | 84.6983% | 2,225 |
| Net loans and leases to core deposits | 86.5794% | 2,698 |
| Total domestic deposits to total assets | 84.4899% | 3,317 |
| Equity capital to assets | 11.8981% | 2,091 |
| Core capital (leverage) ratio | 11.6169% | 1,895 |
| Tier 1 risk-based capital ratio | 15.3298% | 3,003 |
| Total risk-based capital ratio | 16.5511% | 2,958 |
| Memoranda: | ||
| Average total assets | $191,577,500 | 3,080 |
| Average earning assets | $176,295,000 | 3,091 |
| Average equity | $22,311,000 | 2,989 |
| Average total loans | $136,287,500 | 2,849 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8887% | 3,745 |
| Cost of funding earning assets | 0.2142% | 5,147 |
| Net interest margin | 3.6745% | 2,854 |
| Noninterest income to average assets | 0.5339% | 3,117 |
| Noninterest expense to average assets | 2.8439% | 3,057 |
| Loan and lease loss provision to assets | 0.2186% | 944 |
| Net operating income to assets | 0.6388% | 4,094 |
| Return on assets (ROA) | 0.6388% | 4,179 |
| Pretax return on assets | 0.8435% | 4,048 |
| Return on Equity (ROE) | 5.5917% | 4,237 |
| Retained earnings to average equity (ytd only) | 1.8191% | 4,691 |
| Net charge-offs to loans | 0.4993% | 533 |
| Credit loss provision to net charge-offs | 63.9222% | 3,214 |
| Earnings coverage of net charge-offs (x) | 3.1063% | 3,774 |
| Efficiency ratio | 72.8083% | 2,772 |
| Assets per employee ($millions) | 3.6035% | 4,636 |
| Cash dividends to net income (ytd only)* | 67.4679% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 3,375 |
| Loan loss allowance to noncurrent loans | 211.0969% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 1.4353% | 1,448 |
| Noncurrent loans to loans | 0.5768% | 3,442 |
| Net loans and leases to total assets | 69.0039% | 2,544 |
| Net loans and leases to deposits | 84.5065% | 2,305 |
| Net loans and leases to core deposits | 86.5318% | 2,754 |
| Total domestic deposits to total assets | 81.6552% | 4,280 |
| Equity capital to assets | 11.4971% | 2,365 |
| Core capital (leverage) ratio | 11.1322% | 2,279 |
| Tier 1 risk-based capital ratio | 15.3634% | 3,009 |
| Total risk-based capital ratio | 16.5092% | 2,989 |
| Memoranda: | ||
| Average total assets | $195,368,400 | 2,989 |
| Average earning assets | $179,288,800 | 3,008 |
| Average equity | $22,318,800 | 2,935 |
| Average total loans | $133,790,800 | 2,824 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 3,843 |
| Cost of funding earning assets | 0.2148% | 5,235 |
| Net interest margin | 3.6579% | 2,928 |
| Noninterest income to average assets | 0.6388% | 2,532 |
| Noninterest expense to average assets | 2.8635% | 2,963 |
| Loan and lease loss provision to assets | 0.2727% | 591 |
| Net operating income to assets | 0.6545% | 4,107 |
| Return on assets (ROA) | 0.6545% | 4,220 |
| Pretax return on assets | 0.8577% | 4,145 |
| Return on Equity (ROE) | 5.7384% | 4,279 |
| Retained earnings to average equity (ytd only) | 1.8709% | 4,945 |
| Net charge-offs to loans | 0.6624% | 332 |
| Credit loss provision to net charge-offs | 60.4230% | 2,903 |
| Earnings coverage of net charge-offs (x) | 2.5045% | 3,661 |
| Efficiency ratio | 71.6968% | 2,929 |
| Assets per employee ($millions) | 3.7436% | 4,369 |
| Cash dividends to net income (ytd only)* | 67.3961% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 3,480 |
| Loan loss allowance to noncurrent loans | 176.0776% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.5105% | 1,488 |
| Noncurrent loans to loans | 0.6988% | 3,232 |
| Net loans and leases to total assets | 63.7008% | 3,351 |
| Net loans and leases to deposits | 75.4723% | 3,374 |
| Net loans and leases to core deposits | 77.1205% | 3,682 |
| Total domestic deposits to total assets | 84.4029% | 3,257 |
| Equity capital to assets | 10.9103% | 3,118 |
| Core capital (leverage) ratio | 11.3797% | 2,128 |
| Tier 1 risk-based capital ratio | 15.6344% | 2,982 |
| Total risk-based capital ratio | 16.7818% | 2,958 |
| Memoranda: | ||
| Average total assets | $195,563,250 | 3,015 |
| Average earning assets | $179,367,500 | 3,030 |
| Average equity | $22,305,500 | 2,953 |
| Average total loans | $133,256,250 | 2,849 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 3,447 |
| Cost of funding earning assets | 0.2294% | 5,154 |
| Net interest margin | 3.7313% | 2,574 |
| Noninterest income to average assets | 0.6007% | 2,736 |
| Noninterest expense to average assets | 2.8680% | 3,007 |
| Loan and lease loss provision to assets | 0.3300% | 419 |
| Net operating income to assets | 0.6329% | 4,206 |
| Return on assets (ROA) | 0.6329% | 4,317 |
| Pretax return on assets | 0.8224% | 4,241 |
| Return on Equity (ROE) | 5.4645% | 4,392 |
| Retained earnings to average equity (ytd only) | -0.3415% | 5,577 |
| Net charge-offs to loans | 0.9924% | 210 |
| Credit loss provision to net charge-offs | 47.8852% | 2,726 |
| Earnings coverage of net charge-offs (x) | 1.6722% | 3,472 |
| Efficiency ratio | 71.3361% | 3,103 |
| Assets per employee ($millions) | 3.3845% | 5,011 |
| Cash dividends to net income (ytd only)* | 106.2500% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 3,991 |
| Loan loss allowance to noncurrent loans | 176.4505% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.8142% | 1,267 |
| Noncurrent loans to loans | 0.6612% | 3,498 |
| Net loans and leases to total assets | 70.5856% | 2,225 |
| Net loans and leases to deposits | 84.6288% | 2,234 |
| Net loans and leases to core deposits | 86.7109% | 2,684 |
| Total domestic deposits to total assets | 83.4061% | 3,788 |
| Equity capital to assets | 11.8643% | 2,129 |
| Core capital (leverage) ratio | 11.6224% | 1,906 |
| Tier 1 risk-based capital ratio | 15.7352% | 2,984 |
| Total risk-based capital ratio | 16.8489% | 2,997 |
| Memoranda: | ||
| Average total assets | $192,118,670 | 3,075 |
| Average earning assets | $176,080,000 | 3,085 |
| Average equity | $22,252,670 | 2,976 |
| Average total loans | $133,411,000 | 2,850 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 3,766 |
| Cost of funding earning assets | 0.2386% | 5,138 |
| Net interest margin | 3.6261% | 2,904 |
| Noninterest income to average assets | 0.5802% | 2,774 |
| Noninterest expense to average assets | 2.9072% | 2,883 |
| Loan and lease loss provision to assets | 0.2091% | 859 |
| Net operating income to assets | 0.5966% | 4,306 |
| Return on assets (ROA) | 0.5966% | 4,403 |
| Pretax return on assets | 0.7975% | 4,252 |
| Return on Equity (ROE) | 5.2112% | 4,428 |
| Retained earnings to average equity (ytd only) | 4.8530% | 3,142 |
| Net charge-offs to loans | 0.7692% | 303 |
| Credit loss provision to net charge-offs | 39.6887% | 2,188 |
| Earnings coverage of net charge-offs (x) | 1.9105% | 2,851 |
| Efficiency ratio | 74.2797% | 2,773 |
| Assets per employee ($millions) | 3.3784% | 5,116 |
| Cash dividends to net income (ytd only)* | 6.8729% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 3,329 |
| Loan loss allowance to noncurrent loans | 104.9427% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 2.3343% | 946 |
| Noncurrent loans to loans | 1.2512% | 2,286 |
| Net loans and leases to total assets | 67.9535% | 2,445 |
| Net loans and leases to deposits | 82.6502% | 2,252 |
| Net loans and leases to core deposits | 84.6400% | 2,699 |
| Total domestic deposits to total assets | 82.2181% | 4,451 |
| Equity capital to assets | 11.6759% | 2,318 |
| Core capital (leverage) ratio | 11.1966% | 2,233 |
| Tier 1 risk-based capital ratio | 15.7390% | 3,042 |
| Total risk-based capital ratio | 16.9722% | 2,988 |
| Memoranda: | ||
| Average total assets | $195,104,500 | 3,057 |
| Average earning assets | $179,365,500 | 3,074 |
| Average equity | $22,336,500 | 2,988 |
| Average total loans | $133,644,500 | 2,854 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 4,047 |
| Cost of funding earning assets | 0.2734% | 5,061 |
| Net interest margin | 3.6494% | 3,220 |
| Noninterest income to average assets | 0.7306% | 2,162 |
| Noninterest expense to average assets | 2.8284% | 3,386 |
| Loan and lease loss provision to assets | 0.2577% | 871 |
| Net operating income to assets | 0.7415% | 3,669 |
| Return on assets (ROA) | 0.7415% | 3,774 |
| Pretax return on assets | 0.9872% | 3,554 |
| Return on Equity (ROE) | 6.5146% | 3,890 |
| Retained earnings to average equity (ytd only) | 1.6355% | 4,999 |
| Net charge-offs to loans | 0.4704% | 886 |
| Credit loss provision to net charge-offs | 80.0322% | 2,863 |
| Earnings coverage of net charge-offs (x) | 3.8663% | 3,794 |
| Efficiency ratio | 69.4374% | 3,637 |
| Assets per employee ($millions) | 3.5293% | 4,851 |
| Cash dividends to net income (ytd only)* | 74.8951% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,916 |
| Loan loss allowance to noncurrent loans | 62.3479% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.5480% | 895 |
| Noncurrent loans to loans | 2.2577% | 1,162 |
| Net loans and leases to total assets | 67.1902% | 2,697 |
| Net loans and leases to deposits | 83.2948% | 2,297 |
| Net loans and leases to core deposits | 85.2825% | 2,754 |
| Total domestic deposits to total assets | 80.6655% | 4,839 |
| Equity capital to assets | 11.2269% | 2,672 |
| Core capital (leverage) ratio | 10.8273% | 2,584 |
| Tier 1 risk-based capital ratio | 15.5694% | 3,200 |
| Total risk-based capital ratio | 16.8206% | 3,126 |
| Memoranda: | ||
| Average total assets | $192,864,000 | 3,070 |
| Average earning assets | $176,659,800 | 3,083 |
| Average equity | $21,950,800 | 2,953 |
| Average total loans | $132,017,000 | 2,828 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 4,024 |
| Cost of funding earning assets | 0.2793% | 5,103 |
| Net interest margin | 3.6579% | 3,195 |
| Noninterest income to average assets | 0.8299% | 1,778 |
| Noninterest expense to average assets | 2.7985% | 3,465 |
| Loan and lease loss provision to assets | 0.2309% | 958 |
| Net operating income to assets | 0.8709% | 3,066 |
| Return on assets (ROA) | 0.8709% | 3,162 |
| Pretax return on assets | 1.1443% | 3,014 |
| Return on Equity (ROE) | 7.6254% | 3,389 |
| Retained earnings to average equity (ytd only) | 3.3254% | 4,253 |
| Net charge-offs to loans | 0.6040% | 613 |
| Credit loss provision to net charge-offs | 55.7983% | 3,014 |
| Earnings coverage of net charge-offs (x) | 3.3227% | 3,686 |
| Efficiency ratio | 67.0500% | 4,035 |
| Assets per employee ($millions) | 3.6771% | 4,528 |
| Cash dividends to net income (ytd only)* | 56.3898% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2860% | 3,717 |
| Loan loss allowance to noncurrent loans | 70.9040% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.2820% | 1,199 |
| Noncurrent loans to loans | 1.8138% | 1,776 |
| Net loans and leases to total assets | 65.4929% | 2,951 |
| Net loans and leases to deposits | 78.7972% | 2,864 |
| Net loans and leases to core deposits | 80.6713% | 3,229 |
| Total domestic deposits to total assets | 83.1158% | 4,094 |
| Equity capital to assets | 10.8328% | 3,146 |
| Core capital (leverage) ratio | 11.3739% | 2,156 |
| Tier 1 risk-based capital ratio | 14.0316% | 4,188 |
| Total risk-based capital ratio | 15.1453% | 4,234 |
| Memoranda: | ||
| Average total assets | $191,669,500 | 3,109 |
| Average earning assets | $175,213,750 | 3,124 |
| Average equity | $21,891,250 | 2,961 |
| Average total loans | $131,348,250 | 2,846 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9842% | 3,792 |
| Cost of funding earning assets | 0.2919% | 5,051 |
| Net interest margin | 3.6924% | 2,993 |
| Noninterest income to average assets | 0.7287% | 2,150 |
| Noninterest expense to average assets | 2.7916% | 3,540 |
| Loan and lease loss provision to assets | 0.2589% | 823 |
| Net operating income to assets | 0.7704% | 3,463 |
| Return on assets (ROA) | 0.7704% | 3,567 |
| Pretax return on assets | 1.0486% | 3,287 |
| Return on Equity (ROE) | 6.6199% | 3,822 |
| Retained earnings to average equity (ytd only) | 1.7469% | 5,025 |
| Net charge-offs to loans | 0.5865% | 688 |
| Credit loss provision to net charge-offs | 63.6842% | 2,585 |
| Earnings coverage of net charge-offs (x) | 3.2158% | 3,363 |
| Efficiency ratio | 68.1023% | 3,991 |
| Assets per employee ($millions) | 3.1552% | 5,498 |
| Cash dividends to net income (ytd only)* | 73.6111% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,384 |
| Loan loss allowance to noncurrent loans | 59.7081% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 2.9040% | 889 |
| Noncurrent loans to loans | 2.3349% | 1,379 |
| Net loans and leases to total assets | 71.5062% | 1,828 |
| Net loans and leases to deposits | 88.2133% | 1,572 |
| Net loans and leases to core deposits | 90.4435% | 2,083 |
| Total domestic deposits to total assets | 81.0605% | 4,959 |
| Equity capital to assets | 11.8003% | 2,153 |
| Core capital (leverage) ratio | 11.7686% | 1,811 |
| Tier 1 risk-based capital ratio | 15.3967% | 3,414 |
| Total risk-based capital ratio | 16.6478% | 3,355 |
| Memoranda: | ||
| Average total assets | $186,919,330 | 3,183 |
| Average earning assets | $170,622,000 | 3,194 |
| Average equity | $21,752,670 | 2,977 |
| Average total loans | $129,591,000 | 2,875 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 4,271 |
| Cost of funding earning assets | 0.3014% | 5,049 |
| Net interest margin | 3.5538% | 3,467 |
| Noninterest income to average assets | 0.6450% | 2,487 |
| Noninterest expense to average assets | 2.8233% | 3,475 |
| Loan and lease loss provision to assets | 0.1922% | 1,230 |
| Net operating income to assets | 0.6364% | 4,017 |
| Return on assets (ROA) | 0.6364% | 4,106 |
| Pretax return on assets | 0.8777% | 3,794 |
| Return on Equity (ROE) | 5.5069% | 4,274 |
| Retained earnings to average equity (ytd only) | -0.6098% | 5,665 |
| Net charge-offs to loans | 0.1261% | 1,961 |
| Credit loss provision to net charge-offs | 225.0000% | 960 |
| Earnings coverage of net charge-offs (x) | 12.5250% | 1,714 |
| Efficiency ratio | 72.5178% | 3,396 |
| Assets per employee ($millions) | 3.2892% | 5,362 |
| Cash dividends to net income (ytd only)* | 111.0738% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 2,633 |
| Loan loss allowance to noncurrent loans | 53.0090% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 3.3021% | 807 |
| Noncurrent loans to loans | 3.0446% | 1,036 |
| Net loans and leases to total assets | 67.3058% | 2,336 |
| Net loans and leases to deposits | 80.5877% | 2,216 |
| Net loans and leases to core deposits | 82.5455% | 2,685 |
| Total domestic deposits to total assets | 83.5188% | 4,445 |
| Equity capital to assets | 11.5715% | 2,185 |
| Core capital (leverage) ratio | 11.4638% | 1,989 |
| Tier 1 risk-based capital ratio | 15.6873% | 3,343 |
| Total risk-based capital ratio | 16.9402% | 3,304 |
| Memoranda: | ||
| Average total assets | $187,301,000 | 3,201 |
| Average earning assets | $171,196,000 | 3,207 |
| Average equity | $21,645,500 | 2,981 |
| Average total loans | $126,889,000 | 2,927 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 3,918 |
| Cost of funding earning assets | 0.3369% | 5,270 |
| Net interest margin | 3.7143% | 3,001 |
| Noninterest income to average assets | 0.4793% | 3,890 |
| Noninterest expense to average assets | 2.8935% | 3,392 |
| Loan and lease loss provision to assets | 0.4328% | 678 |
| Net operating income to assets | 0.3633% | 5,283 |
| Return on assets (ROA) | 0.3695% | 5,377 |
| Pretax return on assets | 0.5373% | 5,082 |
| Return on Equity (ROE) | 3.0656% | 5,477 |
| Retained earnings to average equity (ytd only) | -5.7545% | 6,405 |
| Net charge-offs to loans | 0.6821% | 953 |
| Credit loss provision to net charge-offs | 93.8215% | 2,656 |
| Earnings coverage of net charge-offs (x) | 2.0835% | 4,349 |
| Efficiency ratio | 75.0650% | 2,934 |
| Assets per employee ($millions) | 3.4021% | 5,083 |
| Cash dividends to net income (ytd only)* | 287.7143% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 2,721 |
| Loan loss allowance to noncurrent loans | 48.7334% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 3.2226% | 949 |
| Noncurrent loans to loans | 3.3023% | 991 |
| Net loans and leases to total assets | 66.0013% | 2,689 |
| Net loans and leases to deposits | 79.3706% | 2,541 |
| Net loans and leases to core deposits | 81.4084% | 2,964 |
| Total domestic deposits to total assets | 83.1559% | 4,491 |
| Equity capital to assets | 11.5415% | 2,134 |
| Core capital (leverage) ratio | 11.0785% | 2,317 |
| Tier 1 risk-based capital ratio | 16.1457% | 3,038 |
| Total risk-based capital ratio | 17.3392% | 3,014 |
| Memoranda: | ||
| Average total assets | $189,457,600 | 3,170 |
| Average earning assets | $172,172,000 | 3,190 |
| Average equity | $22,834,400 | 2,843 |
| Average total loans | $128,139,400 | 2,889 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 3,778 |
| Cost of funding earning assets | 0.3419% | 5,367 |
| Net interest margin | 3.7537% | 2,832 |
| Noninterest income to average assets | 0.6805% | 2,731 |
| Noninterest expense to average assets | 2.8596% | 3,446 |
| Loan and lease loss provision to assets | 0.2456% | 1,458 |
| Net operating income to assets | 0.7181% | 3,764 |
| Return on assets (ROA) | 0.7268% | 3,845 |
| Pretax return on assets | 0.9920% | 3,534 |
| Return on Equity (ROE) | 5.9683% | 4,208 |
| Retained earnings to average equity (ytd only) | -0.2535% | 5,991 |
| Net charge-offs to loans | 0.3354% | 1,872 |
| Credit loss provision to net charge-offs | 108.0247% | 2,171 |
| Earnings coverage of net charge-offs (x) | 5.3920% | 3,204 |
| Efficiency ratio | 69.9983% | 3,761 |
| Assets per employee ($millions) | 3.2502% | 5,384 |
| Cash dividends to net income (ytd only)* | 104.2467% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 2,768 |
| Loan loss allowance to noncurrent loans | 45.6919% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 3.2802% | 1,076 |
| Noncurrent loans to loans | 3.6301% | 1,023 |
| Net loans and leases to total assets | 61.7861% | 3,401 |
| Net loans and leases to deposits | 74.6449% | 3,135 |
| Net loans and leases to core deposits | 76.4344% | 3,573 |
| Total domestic deposits to total assets | 82.7733% | 4,658 |
| Equity capital to assets | 11.3561% | 2,422 |
| Core capital (leverage) ratio | 11.9194% | 1,720 |
| Tier 1 risk-based capital ratio | 17.4655% | 2,518 |
| Total risk-based capital ratio | 18.7198% | 2,487 |
| Memoranda: | ||
| Average total assets | $190,043,000 | 3,180 |
| Average earning assets | $172,375,500 | 3,215 |
| Average equity | $23,144,000 | 2,834 |
| Average total loans | $128,794,500 | 2,902 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 3,055 |
| Cost of funding earning assets | 0.3546% | 5,355 |
| Net interest margin | 3.9207% | 2,145 |
| Noninterest income to average assets | 0.7733% | 2,308 |
| Noninterest expense to average assets | 2.9685% | 3,098 |
| Loan and lease loss provision to assets | 0.2685% | 1,378 |
| Net operating income to assets | 0.7943% | 3,325 |
| Return on assets (ROA) | 0.8076% | 3,401 |
| Pretax return on assets | 1.1051% | 3,080 |
| Return on Equity (ROE) | 6.4742% | 3,893 |
| Retained earnings to average equity (ytd only) | -0.9040% | 6,033 |
| Net charge-offs to loans | 0.4941% | 1,323 |
| Credit loss provision to net charge-offs | 78.1250% | 2,665 |
| Earnings coverage of net charge-offs (x) | 3.9438% | 3,259 |
| Efficiency ratio | 68.6538% | 4,069 |
| Assets per employee ($millions) | 3.1604% | 5,562 |
| Cash dividends to net income (ytd only)* | 113.9628% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 3,262 |
| Loan loss allowance to noncurrent loans | 59.5542% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 3.3289% | 1,177 |
| Noncurrent loans to loans | 2.6384% | 1,736 |
| Net loans and leases to total assets | 68.4857% | 2,151 |
| Net loans and leases to deposits | 83.5727% | 1,858 |
| Net loans and leases to core deposits | 85.6160% | 2,371 |
| Total domestic deposits to total assets | 81.9475% | 5,077 |
| Equity capital to assets | 12.5355% | 1,554 |
| Core capital (leverage) ratio | 12.3614% | 1,428 |
| Tier 1 risk-based capital ratio | 17.6271% | 2,465 |
| Total risk-based capital ratio | 18.8809% | 2,430 |
| Memoranda: | ||
| Average total assets | $186,219,670 | 3,252 |
| Average earning assets | $168,644,000 | 3,272 |
| Average equity | $23,230,670 | 2,841 |
| Average total loans | $129,523,670 | 2,886 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 3,236 |
| Cost of funding earning assets | 0.3608% | 5,442 |
| Net interest margin | 3.8544% | 2,264 |
| Noninterest income to average assets | 0.8099% | 2,088 |
| Noninterest expense to average assets | 2.9433% | 3,182 |
| Loan and lease loss provision to assets | 0.3197% | 1,055 |
| Net operating income to assets | 0.7822% | 3,263 |
| Return on assets (ROA) | 0.7822% | 3,401 |
| Pretax return on assets | 1.0529% | 3,135 |
| Return on Equity (ROE) | 6.2851% | 3,893 |
| Retained earnings to average equity (ytd only) | -1.5755% | 6,033 |
| Net charge-offs to loans | 0.9501% | 647 |
| Credit loss provision to net charge-offs | 48.3871% | 2,623 |
| Earnings coverage of net charge-offs (x) | 2.0774% | 3,141 |
| Efficiency ratio | 68.1975% | 4,272 |
| Assets per employee ($millions) | 3.0389% | 5,911 |
| Cash dividends to net income (ytd only)* | 125.0681% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 3,952 |
| Loan loss allowance to noncurrent loans | 38.4646% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 4.2688% | 892 |
| Noncurrent loans to loans | 3.8093% | 1,210 |
| Net loans and leases to total assets | 68.3141% | 1,955 |
| Net loans and leases to deposits | 84.0042% | 1,596 |
| Net loans and leases to core deposits | 86.5273% | 2,057 |
| Total domestic deposits to total assets | 81.3223% | 5,410 |
| Equity capital to assets | 12.3538% | 1,805 |
| Core capital (leverage) ratio | 12.1305% | 1,498 |
| Tier 1 risk-based capital ratio | 17.2154% | 2,674 |
| Total risk-based capital ratio | 18.4679% | 2,640 |
| Memoranda: | ||
| Average total assets | $187,677,500 | 3,257 |
| Average earning assets | $170,712,000 | 3,273 |
| Average equity | $23,357,000 | 2,870 |
| Average total loans | $130,515,000 | 2,885 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 2,419 |
| Cost of funding earning assets | 0.4641% | 5,462 |
| Net interest margin | 4.2787% | 1,448 |
| Noninterest income to average assets | 0.8314% | 2,118 |
| Noninterest expense to average assets | 3.2372% | 2,498 |
| Loan and lease loss provision to assets | 0.3706% | 1,766 |
| Net operating income to assets | 0.8505% | 3,038 |
| Return on assets (ROA) | 0.8513% | 3,286 |
| Pretax return on assets | 1.1371% | 3,027 |
| Return on Equity (ROE) | 6.9745% | 3,652 |
| Retained earnings to average equity (ytd only) | 5.7644% | 2,214 |
| Net charge-offs to loans | 0.3628% | 2,819 |
| Credit loss provision to net charge-offs | 144.9580% | 1,885 |
| Earnings coverage of net charge-offs (x) | 5.8929% | 2,923 |
| Efficiency ratio | 66.0892% | 4,486 |
| Assets per employee ($millions) | 3.0152% | 5,990 |
| Cash dividends to net income (ytd only)* | 17.3502% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5904% | 3,366 |
| Loan loss allowance to noncurrent loans | 86.5609% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 2.9410% | 1,615 |
| Noncurrent loans to loans | 1.8374% | 2,871 |
| Net loans and leases to total assets | 68.6466% | 2,079 |
| Net loans and leases to deposits | 85.1181% | 1,621 |
| Net loans and leases to core deposits | 87.3302% | 2,160 |
| Total domestic deposits to total assets | 80.6486% | 5,497 |
| Equity capital to assets | 12.5375% | 1,680 |
| Core capital (leverage) ratio | 11.8772% | 1,630 |
| Tier 1 risk-based capital ratio | 17.2458% | 2,541 |
| Total risk-based capital ratio | 18.4993% | 2,518 |
| Memoranda: | ||
| Average total assets | $186,181,800 | 3,218 |
| Average earning assets | $170,239,600 | 3,224 |
| Average equity | $22,725,800 | 2,880 |
| Average total loans | $131,212,600 | 2,861 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 2,589 |
| Cost of funding earning assets | 0.4817% | 5,558 |
| Net interest margin | 4.2660% | 1,562 |
| Noninterest income to average assets | 0.8222% | 2,149 |
| Noninterest expense to average assets | 3.2359% | 2,463 |
| Loan and lease loss provision to assets | 0.2760% | 2,370 |
| Net operating income to assets | 0.8782% | 3,088 |
| Return on assets (ROA) | 0.8782% | 3,329 |
| Pretax return on assets | 1.2151% | 2,935 |
| Return on Equity (ROE) | 7.2437% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.5046% | 2,377 |
| Net charge-offs to loans | 0.0954% | 4,429 |
| Credit loss provision to net charge-offs | 409.5745% | 658 |
| Earnings coverage of net charge-offs (x) | 22.1277% | 1,363 |
| Efficiency ratio | 66.5453% | 4,342 |
| Assets per employee ($millions) | 3.5084% | 4,965 |
| Cash dividends to net income (ytd only)* | 10.2039% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 3,389 |
| Loan loss allowance to noncurrent loans | 48.8087% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 3.2376% | 1,581 |
| Noncurrent loans to loans | 3.3501% | 1,638 |
| Net loans and leases to total assets | 63.5906% | 3,097 |
| Net loans and leases to deposits | 78.2272% | 2,630 |
| Net loans and leases to core deposits | 80.2662% | 3,172 |
| Total domestic deposits to total assets | 81.2896% | 5,272 |
| Equity capital to assets | 11.4003% | 2,849 |
| Core capital (leverage) ratio | 11.9471% | 1,683 |
| Tier 1 risk-based capital ratio | 16.6950% | 2,900 |
| Total risk-based capital ratio | 17.8749% | 2,899 |
| Memoranda: | ||
| Average total assets | $185,991,500 | 3,259 |
| Average earning assets | $170,241,000 | 3,262 |
| Average equity | $22,547,750 | 2,931 |
| Average total loans | $131,414,750 | 2,891 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9081% | 2,076 |
| Cost of funding earning assets | 0.5218% | 5,474 |
| Net interest margin | 4.3863% | 1,240 |
| Noninterest income to average assets | 0.9181% | 1,721 |
| Noninterest expense to average assets | 3.2604% | 2,412 |
| Loan and lease loss provision to assets | 0.3663% | 1,793 |
| Net operating income to assets | 0.9347% | 2,742 |
| Return on assets (ROA) | 0.9347% | 3,003 |
| Pretax return on assets | 1.2944% | 2,576 |
| Return on Equity (ROE) | 7.5411% | 3,482 |
| Retained earnings to average equity (ytd only) | 6.4216% | 2,427 |
| Net charge-offs to loans | 0.1264% | 3,921 |
| Credit loss provision to net charge-offs | 397.5904% | 744 |
| Earnings coverage of net charge-offs (x) | 18.0241% | 1,505 |
| Efficiency ratio | 64.3131% | 4,837 |
| Assets per employee ($millions) | 2.8755% | 6,275 |
| Cash dividends to net income (ytd only)* | 14.8456% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 3,576 |
| Loan loss allowance to noncurrent loans | 51.1036% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 3.6235% | 1,451 |
| Noncurrent loans to loans | 3.1483% | 1,858 |
| Net loans and leases to total assets | 72.2762% | 1,518 |
| Net loans and leases to deposits | 89.6139% | 1,183 |
| Net loans and leases to core deposits | 92.0471% | 1,774 |
| Total domestic deposits to total assets | 80.6529% | 5,572 |
| Equity capital to assets | 12.7849% | 1,638 |
| Core capital (leverage) ratio | 12.5295% | 1,339 |
| Tier 1 risk-based capital ratio | 16.6163% | 2,854 |
| Total risk-based capital ratio | 17.8703% | 2,806 |
| Memoranda: | ||
| Average total assets | $180,160,000 | 3,354 |
| Average earning assets | $164,422,330 | 3,358 |
| Average equity | $22,331,000 | 2,944 |
| Average total loans | $131,370,000 | 2,904 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 2,374 |
| Cost of funding earning assets | 0.5370% | 5,570 |
| Net interest margin | 4.3275% | 1,386 |
| Noninterest income to average assets | 0.9365% | 1,610 |
| Noninterest expense to average assets | 3.3020% | 2,282 |
| Loan and lease loss provision to assets | 0.3644% | 1,732 |
| Net operating income to assets | 0.8879% | 2,983 |
| Return on assets (ROA) | 0.8879% | 3,203 |
| Pretax return on assets | 1.2214% | 2,828 |
| Return on Equity (ROE) | 7.2760% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.0136% | 3,549 |
| Net charge-offs to loans | 0.1854% | 2,993 |
| Credit loss provision to net charge-offs | 270.4918% | 1,078 |
| Earnings coverage of net charge-offs (x) | 11.7705% | 1,649 |
| Efficiency ratio | 65.5671% | 4,641 |
| Assets per employee ($millions) | 3.0736% | 6,012 |
| Cash dividends to net income (ytd only)* | 31.0945% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5029% | 4,142 |
| Loan loss allowance to noncurrent loans | 50.5794% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.5661% | 1,605 |
| Noncurrent loans to loans | 2.9714% | 2,170 |
| Net loans and leases to total assets | 70.9774% | 1,579 |
| Net loans and leases to deposits | 87.0495% | 1,283 |
| Net loans and leases to core deposits | 89.3407% | 1,917 |
| Total domestic deposits to total assets | 81.5368% | 5,452 |
| Equity capital to assets | 12.2738% | 1,868 |
| Core capital (leverage) ratio | 12.0115% | 1,578 |
| Tier 1 risk-based capital ratio | 17.0601% | 2,661 |
| Total risk-based capital ratio | 18.3134% | 2,622 |
| Memoranda: | ||
| Average total assets | $181,100,000 | 3,361 |
| Average earning assets | $165,360,500 | 3,359 |
| Average equity | $22,100,000 | 2,970 |
| Average total loans | $131,574,500 | 2,917 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9367% | 3,173 |
| Cost of funding earning assets | 0.6520% | 5,813 |
| Net interest margin | 4.2847% | 1,753 |
| Noninterest income to average assets | 0.8454% | 1,864 |
| Noninterest expense to average assets | 3.0683% | 3,318 |
| Loan and lease loss provision to assets | 0.4720% | 2,241 |
| Net operating income to assets | 0.9167% | 2,537 |
| Return on assets (ROA) | 0.9167% | 2,654 |
| Pretax return on assets | 1.2306% | 2,349 |
| Return on Equity (ROE) | 7.9650% | 2,923 |
| Retained earnings to average equity (ytd only) | 2.0064% | 4,790 |
| Net charge-offs to loans | 0.9671% | 1,783 |
| Credit loss provision to net charge-offs | 67.0472% | 4,962 |
| Earnings coverage of net charge-offs (x) | 2.4186% | 4,004 |
| Efficiency ratio | 62.8186% | 5,327 |
| Assets per employee ($millions) | 3.0143% | 6,055 |
| Cash dividends to net income (ytd only)* | 74.8101% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4041% | 4,435 |
| Loan loss allowance to noncurrent loans | 64.5833% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.8559% | 2,117 |
| Noncurrent loans to loans | 2.1741% | 2,979 |
| Net loans and leases to total assets | 72.2186% | 1,609 |
| Net loans and leases to deposits | 90.0114% | 1,158 |
| Net loans and leases to core deposits | 92.4202% | 1,852 |
| Total domestic deposits to total assets | 80.2328% | 5,677 |
| Equity capital to assets | 12.1324% | 2,027 |
| Core capital (leverage) ratio | 11.5893% | 1,826 |
| Tier 1 risk-based capital ratio | 16.7597% | 2,713 |
| Total risk-based capital ratio | 18.0123% | 2,676 |
| Memoranda: | ||
| Average total assets | $186,650,400 | 3,242 |
| Average earning assets | $171,004,400 | 3,225 |
| Average equity | $21,481,400 | 2,953 |
| Average total loans | $135,867,800 | 2,882 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8906% | 3,606 |
| Cost of funding earning assets | 0.6787% | 5,888 |
| Net interest margin | 4.2119% | 2,049 |
| Noninterest income to average assets | 0.8492% | 1,839 |
| Noninterest expense to average assets | 3.0423% | 3,387 |
| Loan and lease loss provision to assets | 0.5004% | 1,982 |
| Net operating income to assets | 0.8740% | 2,844 |
| Return on assets (ROA) | 0.8740% | 2,993 |
| Pretax return on assets | 1.1689% | 2,747 |
| Return on Equity (ROE) | 7.6942% | 3,180 |
| Retained earnings to average equity (ytd only) | 1.2668% | 5,502 |
| Net charge-offs to loans | 1.2132% | 1,289 |
| Credit loss provision to net charge-offs | 56.7524% | 4,879 |
| Earnings coverage of net charge-offs (x) | 1.8931% | 4,245 |
| Efficiency ratio | 63.2616% | 5,187 |
| Assets per employee ($millions) | 3.2967% | 5,487 |
| Cash dividends to net income (ytd only)* | 83.5361% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,918 |
| Loan loss allowance to noncurrent loans | 47.0636% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 2.8899% | 2,240 |
| Noncurrent loans to loans | 2.8052% | 2,477 |
| Net loans and leases to total assets | 67.4415% | 2,587 |
| Net loans and leases to deposits | 81.7363% | 2,410 |
| Net loans and leases to core deposits | 83.5373% | 3,123 |
| Total domestic deposits to total assets | 82.5110% | 4,874 |
| Equity capital to assets | 11.1570% | 2,997 |
| Core capital (leverage) ratio | 11.0737% | 2,330 |
| Tier 1 risk-based capital ratio | 16.8118% | 2,716 |
| Total risk-based capital ratio | 18.0635% | 2,688 |
| Memoranda: | ||
| Average total assets | $188,099,250 | 3,226 |
| Average earning assets | $172,491,500 | 3,210 |
| Average equity | $21,366,250 | 2,960 |
| Average total loans | $136,717,000 | 2,892 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9269% | 3,502 |
| Cost of funding earning assets | 0.7316% | 5,770 |
| Net interest margin | 4.1953% | 2,056 |
| Noninterest income to average assets | 0.8335% | 1,875 |
| Noninterest expense to average assets | 3.0501% | 3,432 |
| Loan and lease loss provision to assets | 0.3624% | 2,619 |
| Net operating income to assets | 0.9464% | 2,451 |
| Return on assets (ROA) | 0.9464% | 2,544 |
| Pretax return on assets | 1.2755% | 2,223 |
| Return on Equity (ROE) | 8.2805% | 2,816 |
| Retained earnings to average equity (ytd only) | 0.9410% | 5,493 |
| Net charge-offs to loans | 1.6350% | 889 |
| Credit loss provision to net charge-offs | 29.8759% | 4,993 |
| Earnings coverage of net charge-offs (x) | 1.3502% | 4,273 |
| Efficiency ratio | 63.7990% | 5,280 |
| Assets per employee ($millions) | 3.0212% | 6,037 |
| Cash dividends to net income (ytd only)* | 88.6364% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 5,825 |
| Loan loss allowance to noncurrent loans | 38.7613% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 3.2063% | 2,090 |
| Noncurrent loans to loans | 2.9172% | 2,503 |
| Net loans and leases to total assets | 72.4499% | 1,698 |
| Net loans and leases to deposits | 89.7504% | 1,304 |
| Net loans and leases to core deposits | 92.2469% | 2,096 |
| Total domestic deposits to total assets | 80.7238% | 5,616 |
| Equity capital to assets | 11.8525% | 2,208 |
| Core capital (leverage) ratio | 11.4854% | 1,918 |
| Tier 1 risk-based capital ratio | 15.6317% | 3,164 |
| Total risk-based capital ratio | 16.7379% | 3,195 |
| Memoranda: | ||
| Average total assets | $185,964,000 | 3,289 |
| Average earning assets | $170,858,330 | 3,262 |
| Average equity | $21,254,670 | 2,964 |
| Average total loans | $137,978,670 | 2,889 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9142% | 3,518 |
| Cost of funding earning assets | 0.7530% | 5,837 |
| Net interest margin | 4.1612% | 2,031 |
| Noninterest income to average assets | 0.9304% | 1,543 |
| Noninterest expense to average assets | 3.2308% | 2,777 |
| Loan and lease loss provision to assets | 0.3186% | 2,638 |
| Net operating income to assets | 0.9070% | 2,530 |
| Return on assets (ROA) | 0.9070% | 2,590 |
| Pretax return on assets | 1.2193% | 2,310 |
| Return on Equity (ROE) | 8.0797% | 2,874 |
| Retained earnings to average equity (ytd only) | -2.8951% | 6,276 |
| Net charge-offs to loans | 0.4781% | 2,278 |
| Credit loss provision to net charge-offs | 89.2857% | 2,951 |
| Earnings coverage of net charge-offs (x) | 4.3095% | 2,515 |
| Efficiency ratio | 66.4143% | 4,964 |
| Assets per employee ($millions) | 3.1094% | 5,928 |
| Cash dividends to net income (ytd only)* | 135.8314% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 3,536 |
| Loan loss allowance to noncurrent loans | 64.0665% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 2.8248% | 2,441 |
| Noncurrent loans to loans | 2.5716% | 2,921 |
| Net loans and leases to total assets | 72.7962% | 1,557 |
| Net loans and leases to deposits | 89.9440% | 1,238 |
| Net loans and leases to core deposits | 92.2015% | 2,106 |
| Total domestic deposits to total assets | 80.9350% | 5,678 |
| Equity capital to assets | 11.3056% | 2,411 |
| Core capital (leverage) ratio | 11.1013% | 2,114 |
| Tier 1 risk-based capital ratio | 16.1632% | 2,831 |
| Total risk-based capital ratio | 17.4193% | 2,790 |
| Memoranda: | ||
| Average total assets | $188,311,000 | 3,264 |
| Average earning assets | $173,699,000 | 3,238 |
| Average equity | $21,139,500 | 2,968 |
| Average total loans | $140,552,000 | 2,874 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2840% | 3,203 |
| Cost of funding earning assets | 1.1141% | 5,056 |
| Net interest margin | 4.1699% | 2,295 |
| Noninterest income to average assets | 0.6594% | 3,087 |
| Noninterest expense to average assets | 3.0553% | 3,648 |
| Loan and lease loss provision to assets | 0.4025% | 3,701 |
| Net operating income to assets | 0.7023% | 3,223 |
| Return on assets (ROA) | 0.9101% | 2,481 |
| Pretax return on assets | 1.2351% | 2,122 |
| Return on Equity (ROE) | 8.5036% | 2,501 |
| Retained earnings to average equity (ytd only) | 7.7748% | 1,050 |
| Net charge-offs to loans | 0.2721% | 4,662 |
| Credit loss provision to net charge-offs | 193.5000% | 1,643 |
| Earnings coverage of net charge-offs (x) | 6.5225% | 2,335 |
| Efficiency ratio | 66.1245% | 4,945 |
| Assets per employee ($millions) | 3.1157% | 5,846 |
| Cash dividends to net income (ytd only)* | 8.5714% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 3,556 |
| Loan loss allowance to noncurrent loans | 70.1223% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 2.6013% | 2,678 |
| Noncurrent loans to loans | 2.2864% | 3,233 |
| Net loans and leases to total assets | 74.0429% | 1,656 |
| Net loans and leases to deposits | 92.1989% | 1,251 |
| Net loans and leases to core deposits | 94.3216% | 2,216 |
| Total domestic deposits to total assets | 80.3078% | 5,748 |
| Equity capital to assets | 11.1475% | 2,555 |
| Core capital (leverage) ratio | 10.8887% | 2,237 |
| Tier 1 risk-based capital ratio | 15.6694% | 2,916 |
| Total risk-based capital ratio | 16.9252% | 2,870 |
| Memoranda: | ||
| Average total assets | $192,287,600 | 3,199 |
| Average earning assets | $173,049,600 | 3,224 |
| Average equity | $20,579,400 | 3,065 |
| Average total loans | $147,008,000 | 2,823 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 3,315 |
| Cost of funding earning assets | 1.2069% | 4,829 |
| Net interest margin | 4.1010% | 2,617 |
| Noninterest income to average assets | 0.6783% | 2,956 |
| Noninterest expense to average assets | 3.0877% | 3,388 |
| Loan and lease loss provision to assets | 0.4473% | 3,233 |
| Net operating income to assets | 0.6008% | 3,879 |
| Return on assets (ROA) | 0.8808% | 2,830 |
| Pretax return on assets | 1.1816% | 2,557 |
| Return on Equity (ROE) | 8.3154% | 2,784 |
| Retained earnings to average equity (ytd only) | 8.3154% | 1,309 |
| Net charge-offs to loans | 0.2198% | 4,628 |
| Credit loss provision to net charge-offs | 265.1639% | 1,242 |
| Earnings coverage of net charge-offs (x) | 7.4425% | 2,330 |
| Efficiency ratio | 67.5263% | 4,557 |
| Assets per employee ($millions) | 3.3442% | 5,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 3,518 |
| Loan loss allowance to noncurrent loans | 64.0022% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 2.7388% | 2,644 |
| Noncurrent loans to loans | 2.5026% | 3,115 |
| Net loans and leases to total assets | 69.9252% | 2,746 |
| Net loans and leases to deposits | 85.4541% | 2,443 |
| Net loans and leases to core deposits | 87.4426% | 3,453 |
| Total domestic deposits to total assets | 81.8278% | 5,066 |
| Equity capital to assets | 10.3403% | 3,715 |
| Core capital (leverage) ratio | 10.7595% | 2,458 |
| Tier 1 risk-based capital ratio | 14.2540% | 3,661 |
| Total risk-based capital ratio | 15.5081% | 3,619 |
| Memoranda: | ||
| Average total assets | $192,844,500 | 3,246 |
| Average earning assets | $172,341,750 | 3,279 |
| Average equity | $20,427,500 | 3,132 |
| Average total loans | $148,005,250 | 2,841 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4704% | 2,655 |
| Cost of funding earning assets | 1.3532% | 4,173 |
| Net interest margin | 4.1172% | 2,477 |
| Noninterest income to average assets | 0.6821% | 2,808 |
| Noninterest expense to average assets | 3.1640% | 3,037 |
| Loan and lease loss provision to assets | 0.5520% | 2,566 |
| Net operating income to assets | 0.4477% | 4,563 |
| Return on assets (ROA) | 0.8703% | 2,789 |
| Pretax return on assets | 1.1759% | 2,493 |
| Return on Equity (ROE) | 8.1464% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.1464% | 1,396 |
| Net charge-offs to loans | 0.2953% | 3,848 |
| Credit loss provision to net charge-offs | 237.2727% | 1,625 |
| Earnings coverage of net charge-offs (x) | 4.9727% | 2,793 |
| Efficiency ratio | 68.7714% | 4,430 |
| Assets per employee ($millions) | 3.0346% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 3,933 |
| Loan loss allowance to noncurrent loans | 56.7305% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 3.2137% | 2,202 |
| Noncurrent loans to loans | 2.6459% | 2,992 |
| Net loans and leases to total assets | 78.7318% | 1,007 |
| Net loans and leases to deposits | 97.8883% | 885 |
| Net loans and leases to core deposits | 100.0275% | 2,012 |
| Total domestic deposits to total assets | 80.4302% | 5,584 |
| Equity capital to assets | 11.0890% | 2,776 |
| Core capital (leverage) ratio | 10.7251% | 2,450 |
| Tier 1 risk-based capital ratio | 13.8962% | 3,803 |
| Total risk-based capital ratio | 15.0878% | 3,810 |
| Memoranda: | ||
| Average total assets | $189,126,670 | 3,319 |
| Average earning assets | $167,154,000 | 3,386 |
| Average equity | $20,205,330 | 3,151 |
| Average total loans | $149,017,670 | 2,855 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3947% | 3,058 |
| Cost of funding earning assets | 1.4653% | 3,774 |
| Net interest margin | 3.9295% | 3,202 |
| Noninterest income to average assets | 0.7660% | 2,197 |
| Noninterest expense to average assets | 3.1706% | 2,973 |
| Loan and lease loss provision to assets | 0.8622% | 1,475 |
| Net operating income to assets | 0.1482% | 5,865 |
| Return on assets (ROA) | 0.9731% | 2,352 |
| Pretax return on assets | 1.3373% | 1,942 |
| Return on Equity (ROE) | 9.2794% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.2794% | 1,324 |
| Net charge-offs to loans | 0.3129% | 3,162 |
| Credit loss provision to net charge-offs | 352.1368% | 1,150 |
| Earnings coverage of net charge-offs (x) | 4.3675% | 2,644 |
| Efficiency ratio | 70.1876% | 4,265 |
| Assets per employee ($millions) | 3.0197% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 4,032 |
| Loan loss allowance to noncurrent loans | 55.3500% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 3.2438% | 2,209 |
| Noncurrent loans to loans | 2.6682% | 3,004 |
| Net loans and leases to total assets | 78.8911% | 994 |
| Net loans and leases to deposits | 96.4880% | 1,046 |
| Net loans and leases to core deposits | 98.5278% | 2,292 |
| Total domestic deposits to total assets | 81.7626% | 5,172 |
| Equity capital to assets | 10.7531% | 3,002 |
| Core capital (leverage) ratio | 10.2127% | 2,920 |
| Tier 1 risk-based capital ratio | 13.1700% | 4,228 |
| Total risk-based capital ratio | 14.3487% | 4,233 |
| Memoranda: | ||
| Average total assets | $191,134,000 | 3,351 |
| Average earning assets | $168,979,500 | 3,417 |
| Average equity | $20,044,500 | 3,200 |
| Average total loans | $149,545,000 | 2,911 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8330% | 2,515 |
| Cost of funding earning assets | 1.6994% | 4,514 |
| Net interest margin | 4.1336% | 2,305 |
| Noninterest income to average assets | 0.7693% | 2,560 |
| Noninterest expense to average assets | 3.0975% | 3,756 |
| Loan and lease loss provision to assets | 0.3177% | 4,912 |
| Net operating income to assets | 0.8048% | 2,521 |
| Return on assets (ROA) | 0.8048% | 2,604 |
| Pretax return on assets | 1.0494% | 2,414 |
| Return on Equity (ROE) | 7.8031% | 2,461 |
| Retained earnings to average equity (ytd only) | 1.7481% | 3,863 |
| Net charge-offs to loans | 0.5560% | 3,556 |
| Credit loss provision to net charge-offs | 72.5537% | 6,441 |
| Earnings coverage of net charge-offs (x) | 3.1217% | 3,500 |
| Efficiency ratio | 63.6779% | 5,837 |
| Assets per employee ($millions) | 3.0476% | 6,099 |
| Cash dividends to net income (ytd only)* | 77.5974% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 4,837 |
| Loan loss allowance to noncurrent loans | 57.8884% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 2.6752% | 2,625 |
| Noncurrent loans to loans | 2.2222% | 3,372 |
| Net loans and leases to total assets | 75.4978% | 1,919 |
| Net loans and leases to deposits | 96.3503% | 1,290 |
| Net loans and leases to core deposits | 106.7165% | 3,247 |
| Total domestic deposits to total assets | 78.3576% | 6,156 |
| Equity capital to assets | 10.2318% | 3,477 |
| Core capital (leverage) ratio | 9.7788% | 3,357 |
| Tier 1 risk-based capital ratio | 13.4868% | 3,832 |
| Total risk-based capital ratio | 14.7376% | 3,778 |
| Memoranda: | ||
| Average total assets | $191,350,800 | 3,274 |
| Average earning assets | $171,062,600 | 3,332 |
| Average equity | $19,735,800 | 3,242 |
| Average total loans | $150,725,000 | 2,903 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8676% | 2,590 |
| Cost of funding earning assets | 1.7226% | 4,786 |
| Net interest margin | 4.1449% | 2,231 |
| Noninterest income to average assets | 0.8885% | 2,035 |
| Noninterest expense to average assets | 3.1514% | 3,453 |
| Loan and lease loss provision to assets | 0.2955% | 4,614 |
| Net operating income to assets | 0.8794% | 2,500 |
| Return on assets (ROA) | 0.8794% | 2,572 |
| Pretax return on assets | 1.1665% | 2,365 |
| Return on Equity (ROE) | 8.5090% | 2,444 |
| Retained earnings to average equity (ytd only) | 3.4619% | 3,362 |
| Net charge-offs to loans | 0.5179% | 3,144 |
| Credit loss provision to net charge-offs | 71.8910% | 5,946 |
| Earnings coverage of net charge-offs (x) | 3.5571% | 3,481 |
| Efficiency ratio | 62.3767% | 6,042 |
| Assets per employee ($millions) | 3.4362% | 5,082 |
| Cash dividends to net income (ytd only)* | 59.3155% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 4,317 |
| Loan loss allowance to noncurrent loans | 49.4640% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 2.7138% | 2,562 |
| Noncurrent loans to loans | 2.6885% | 2,821 |
| Net loans and leases to total assets | 71.3998% | 3,178 |
| Net loans and leases to deposits | 89.9561% | 2,590 |
| Net loans and leases to core deposits | 98.6490% | 4,529 |
| Total domestic deposits to total assets | 79.3719% | 5,670 |
| Equity capital to assets | 9.7293% | 4,454 |
| Core capital (leverage) ratio | 9.9430% | 3,353 |
| Tier 1 risk-based capital ratio | 13.6633% | 3,738 |
| Total risk-based capital ratio | 14.9150% | 3,679 |
| Memoranda: | ||
| Average total assets | $190,426,500 | 3,308 |
| Average earning assets | $171,128,250 | 3,359 |
| Average equity | $19,680,500 | 3,291 |
| Average total loans | $151,112,250 | 2,927 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9954% | 2,198 |
| Cost of funding earning assets | 1.7501% | 5,012 |
| Net interest margin | 4.2453% | 1,831 |
| Noninterest income to average assets | 0.9116% | 1,937 |
| Noninterest expense to average assets | 3.1872% | 3,368 |
| Loan and lease loss provision to assets | 0.2678% | 4,442 |
| Net operating income to assets | 0.9947% | 2,132 |
| Return on assets (ROA) | 0.9947% | 2,226 |
| Pretax return on assets | 1.3392% | 1,906 |
| Return on Equity (ROE) | 9.4199% | 2,215 |
| Retained earnings to average equity (ytd only) | 4.2548% | 2,936 |
| Net charge-offs to loans | 0.2016% | 4,275 |
| Credit loss provision to net charge-offs | 162.0915% | 2,835 |
| Earnings coverage of net charge-offs (x) | 9.7255% | 2,084 |
| Efficiency ratio | 60.2163% | 6,512 |
| Assets per employee ($millions) | 2.9490% | 6,269 |
| Cash dividends to net income (ytd only)* | 54.8317% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 3,182 |
| Loan loss allowance to noncurrent loans | 49.6021% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 3.1302% | 2,007 |
| Noncurrent loans to loans | 3.0280% | 2,383 |
| Net loans and leases to total assets | 77.9722% | 1,749 |
| Net loans and leases to deposits | 101.5365% | 1,112 |
| Net loans and leases to core deposits | 113.5989% | 2,961 |
| Total domestic deposits to total assets | 76.7923% | 6,378 |
| Equity capital to assets | 10.4859% | 3,416 |
| Core capital (leverage) ratio | 10.5374% | 2,777 |
| Tier 1 risk-based capital ratio | 13.7097% | 3,686 |
| Total risk-based capital ratio | 14.9639% | 3,612 |
| Memoranda: | ||
| Average total assets | $185,178,670 | 3,403 |
| Average earning assets | $169,362,330 | 3,402 |
| Average equity | $19,554,330 | 3,317 |
| Average total loans | $151,753,330 | 2,945 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0455% | 2,175 |
| Cost of funding earning assets | 1.7846% | 5,188 |
| Net interest margin | 4.2610% | 1,699 |
| Noninterest income to average assets | 0.8768% | 1,945 |
| Noninterest expense to average assets | 3.1582% | 3,158 |
| Loan and lease loss provision to assets | 0.2050% | 4,399 |
| Net operating income to assets | 1.0316% | 2,184 |
| Return on assets (ROA) | 1.0316% | 2,325 |
| Pretax return on assets | 1.4090% | 1,941 |
| Return on Equity (ROE) | 9.7345% | 2,428 |
| Retained earnings to average equity (ytd only) | 5.1039% | 3,063 |
| Net charge-offs to loans | 0.3400% | 2,725 |
| Credit loss provision to net charge-offs | 72.3077% | 4,313 |
| Earnings coverage of net charge-offs (x) | 5.6923% | 2,626 |
| Efficiency ratio | 60.1920% | 6,376 |
| Assets per employee ($millions) | 2.9343% | 6,332 |
| Cash dividends to net income (ytd only)* | 47.5687% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 3,586 |
| Loan loss allowance to noncurrent loans | 59.7737% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 2.6016% | 2,199 |
| Noncurrent loans to loans | 2.3164% | 2,836 |
| Net loans and leases to total assets | 82.7225% | 895 |
| Net loans and leases to deposits | 107.1247% | 779 |
| Net loans and leases to core deposits | 121.0794% | 2,327 |
| Total domestic deposits to total assets | 77.2207% | 6,223 |
| Equity capital to assets | 10.7820% | 3,203 |
| Core capital (leverage) ratio | 10.4248% | 3,007 |
| Tier 1 risk-based capital ratio | 13.3675% | 3,946 |
| Total risk-based capital ratio | 14.6206% | 3,858 |
| Memoranda: | ||
| Average total assets | $183,398,500 | 3,458 |
| Average earning assets | $167,661,000 | 3,456 |
| Average equity | $19,436,000 | 3,358 |
| Average total loans | $152,926,000 | 2,955 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3805% | 3,521 |
| Cost of funding earning assets | 2.2992% | 5,153 |
| Net interest margin | 4.0813% | 2,788 |
| Noninterest income to average assets | 0.7273% | 2,928 |
| Noninterest expense to average assets | 2.9853% | 4,136 |
| Loan and lease loss provision to assets | 0.2200% | 4,685 |
| Net operating income to assets | 0.9761% | 2,657 |
| Return on assets (ROA) | 0.6179% | 4,087 |
| Pretax return on assets | 0.8055% | 4,047 |
| Return on Equity (ROE) | 5.5858% | 4,120 |
| Retained earnings to average equity (ytd only) | -7.6622% | 6,854 |
| Net charge-offs to loans | 0.3328% | 3,174 |
| Credit loss provision to net charge-offs | 82.4242% | 5,852 |
| Earnings coverage of net charge-offs (x) | 5.5859% | 3,595 |
| Efficiency ratio | 61.9128% | 5,969 |
| Assets per employee ($millions) | 3.1334% | 5,672 |
| Cash dividends to net income (ytd only)* | 237.1728% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 3,178 |
| Loan loss allowance to noncurrent loans | 46.1753% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 3.0367% | 1,514 |
| Noncurrent loans to loans | 3.0369% | 1,763 |
| Net loans and leases to total assets | 81.7307% | 1,278 |
| Net loans and leases to deposits | 106.0582% | 1,117 |
| Net loans and leases to core deposits | 119.9943% | 2,688 |
| Total domestic deposits to total assets | 77.0621% | 5,971 |
| Equity capital to assets | 10.4163% | 3,595 |
| Core capital (leverage) ratio | 10.0069% | 3,439 |
| Tier 1 risk-based capital ratio | 13.2353% | 3,974 |
| Total risk-based capital ratio | 14.4884% | 3,887 |
| Memoranda: | ||
| Average total assets | $185,477,800 | 3,331 |
| Average earning assets | $170,361,800 | 3,330 |
| Average equity | $20,516,200 | 3,156 |
| Average total loans | $148,717,800 | 2,952 |