Home > Lake-Osceola State Bank > Performance and Condition Ratios
Lake-Osceola State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2563% | 1,560 |
| Cost of funding earning assets | 1.1746% | 2,869 |
| Net interest margin | 4.0817% | 1,090 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.8266% | 1,443 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.0807% | 1,971 |
| Return on assets (ROA) | 1.0807% | 1,947 |
| Pretax return on assets | 1.2570% | 1,990 |
| Return on Equity (ROE) | 14.6600% | 1,351 |
| Retained earnings to average equity (ytd only) | 11.0429% | 781 |
| Net charge-offs to loans | 0.0020% | 2,737 |
| Credit loss provision to net charge-offs | 6,640.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 1,160.2000% | 138 |
| Efficiency ratio | 67.9485% | 2,116 |
| Assets per employee ($millions) | 5.6763% | 3,096 |
| Cash dividends to net income (ytd only)* | 24.6704% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4583% | 1,178 |
| Loan loss allowance to noncurrent loans | 454.8694% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1902% | 2,276 |
| Noncurrent loans to loans | 0.3206% | 2,030 |
| Net loans and leases to total assets | 58.4500% | 2,995 |
| Net loans and leases to deposits | 67.9499% | 3,037 |
| Net loans and leases to core deposits | 75.0048% | 3,028 |
| Total domestic deposits to total assets | 86.0200% | 2,007 |
| Equity capital to assets | 7.8829% | 3,495 |
| Core capital (leverage) ratio | 11.1265% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5809% | 1,165 |
| Memoranda: | ||
| Average total assets | $435,077,800 | 1,900 |
| Average earning assets | $393,238,800 | 1,935 |
| Average equity | $32,075,000 | 2,185 |
| Average total loans | $247,247,800 | 2,015 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0877% | 1,655 |
| Cost of funding earning assets | 1.0648% | 2,847 |
| Net interest margin | 4.0229% | 1,186 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.5816% | 1,994 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2045% | 1,786 |
| Return on assets (ROA) | 1.2045% | 1,777 |
| Pretax return on assets | 1.4756% | 1,616 |
| Return on Equity (ROE) | 16.6300% | 1,145 |
| Retained earnings to average equity (ytd only) | 14.3369% | 635 |
| Net charge-offs to loans | 0.0011% | 2,585 |
| Credit loss provision to net charge-offs | 16,750.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 2,564.5000% | 49 |
| Efficiency ratio | 62.0524% | 2,709 |
| Assets per employee ($millions) | 5.6336% | 3,073 |
| Cash dividends to net income (ytd only)* | 13.8002% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,127 |
| Loan loss allowance to noncurrent loans | 1,068.5237% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 3,044 |
| Noncurrent loans to loans | 0.1398% | 2,851 |
| Net loans and leases to total assets | 57.5500% | 3,065 |
| Net loans and leases to deposits | 66.4202% | 3,096 |
| Net loans and leases to core deposits | 73.3284% | 3,033 |
| Total domestic deposits to total assets | 86.6500% | 1,998 |
| Equity capital to assets | 6.9483% | 3,637 |
| Core capital (leverage) ratio | 11.0484% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5056% | 1,200 |
| Memoranda: | ||
| Average total assets | $433,158,500 | 1,907 |
| Average earning assets | $392,542,500 | 1,939 |
| Average equity | $31,368,250 | 2,195 |
| Average total loans | $243,400,500 | 2,035 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8416% | 1,898 |
| Cost of funding earning assets | 0.9492% | 2,775 |
| Net interest margin | 3.8924% | 1,442 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.3783% | 2,565 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2847% | 1,609 |
| Return on assets (ROA) | 1.2847% | 1,597 |
| Pretax return on assets | 1.5840% | 1,439 |
| Return on Equity (ROE) | 17.5000% | 1,020 |
| Retained earnings to average equity (ytd only) | 14.0866% | 663 |
| Net charge-offs to loans | 0.0159% | 1,604 |
| Credit loss provision to net charge-offs | 1,173.6842% | 368 |
| Earnings coverage of net charge-offs (x) | 191.4211% | 630 |
| Efficiency ratio | 58.4959% | 3,133 |
| Assets per employee ($millions) | 6.1919% | 2,549 |
| Cash dividends to net income (ytd only)* | 19.5016% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 1,206 |
| Loan loss allowance to noncurrent loans | 870.1878% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 2,877 |
| Noncurrent loans to loans | 0.1714% | 2,622 |
| Net loans and leases to total assets | 51.3600% | 3,457 |
| Net loans and leases to deposits | 59.0079% | 3,479 |
| Net loans and leases to core deposits | 64.3046% | 3,430 |
| Total domestic deposits to total assets | 87.0400% | 1,918 |
| Equity capital to assets | 6.8078% | 3,883 |
| Core capital (leverage) ratio | 11.3476% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6252% | 1,186 |
| Memoranda: | ||
| Average total assets | $431,072,000 | 1,916 |
| Average earning assets | $391,684,667 | 1,939 |
| Average equity | $31,647,000 | 2,196 |
| Average total loans | $238,955,000 | 2,061 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8852% | 1,439 |
| Cost of funding earning assets | 0.8802% | 2,436 |
| Net interest margin | 4.0050% | 1,255 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 2.4095% | 2,504 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.4081% | 1,387 |
| Return on assets (ROA) | 1.4081% | 1,359 |
| Pretax return on assets | 1.7383% | 1,196 |
| Return on Equity (ROE) | 18.4000% | 974 |
| Retained earnings to average equity (ytd only) | 18.3986% | 486 |
| Net charge-offs to loans | 0.0308% | 1,094 |
| Credit loss provision to net charge-offs | 155.5556% | 932 |
| Earnings coverage of net charge-offs (x) | 100.1111% | 789 |
| Efficiency ratio | 57.7095% | 3,221 |
| Assets per employee ($millions) | 5.3848% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,355 |
| Loan loss allowance to noncurrent loans | 627.3214% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 2,570 |
| Noncurrent loans to loans | 0.2352% | 2,326 |
| Net loans and leases to total assets | 56.5700% | 2,998 |
| Net loans and leases to deposits | 65.3298% | 2,992 |
| Net loans and leases to core deposits | 71.9494% | 2,817 |
| Total domestic deposits to total assets | 86.5900% | 2,413 |
| Equity capital to assets | 7.8895% | 3,318 |
| Core capital (leverage) ratio | 11.4090% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0870% | 1,140 |
| Memoranda: | ||
| Average total assets | $408,220,500 | 2,013 |
| Average earning assets | $369,441,000 | 2,038 |
| Average equity | $31,241,500 | 2,241 |
| Average total loans | $234,144,000 | 2,101 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 1,573 |
| Cost of funding earning assets | 0.2596% | 3,243 |
| Net interest margin | 3.7944% | 1,169 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.4827% | 2,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1420% | 2,000 |
| Return on assets (ROA) | 1.0113% | 2,473 |
| Pretax return on assets | 1.1962% | 2,447 |
| Return on Equity (ROE) | 12.4400% | 1,995 |
| Retained earnings to average equity (ytd only) | 9.4700% | 1,324 |
| Net charge-offs to loans | 0.0319% | 1,433 |
| Credit loss provision to net charge-offs | 26.0870% | 1,913 |
| Earnings coverage of net charge-offs (x) | 81.3043% | 1,079 |
| Efficiency ratio | 64.7037% | 2,402 |
| Assets per employee ($millions) | 5.1514% | 3,559 |
| Cash dividends to net income (ytd only)* | 23.8720% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,068 |
| Loan loss allowance to noncurrent loans | 570.0587% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 1,932 |
| Noncurrent loans to loans | 0.2220% | 2,378 |
| Net loans and leases to total assets | 56.5700% | 2,963 |
| Net loans and leases to deposits | 65.1603% | 2,946 |
| Net loans and leases to core deposits | 68.0429% | 3,009 |
| Total domestic deposits to total assets | 86.8200% | 2,453 |
| Equity capital to assets | 7.4092% | 3,428 |
| Core capital (leverage) ratio | 11.5111% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1282% | 1,337 |
| Memoranda: | ||
| Average total assets | $414,233,000 | 1,971 |
| Average earning assets | $366,273,600 | 2,044 |
| Average equity | $33,674,600 | 2,172 |
| Average total loans | $216,605,000 | 2,127 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8137% | 1,715 |
| Cost of funding earning assets | 0.2388% | 2,832 |
| Net interest margin | 3.5749% | 1,452 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.3178% | 2,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0961% | 2,125 |
| Return on assets (ROA) | 1.0961% | 2,085 |
| Pretax return on assets | 1.3444% | 1,906 |
| Return on Equity (ROE) | 13.2000% | 1,644 |
| Retained earnings to average equity (ytd only) | 11.4320% | 932 |
| Net charge-offs to loans | 0.0188% | 1,466 |
| Credit loss provision to net charge-offs | 46.6667% | 1,536 |
| Earnings coverage of net charge-offs (x) | 140.7333% | 773 |
| Efficiency ratio | 63.2134% | 2,656 |
| Assets per employee ($millions) | 5.4260% | 3,296 |
| Cash dividends to net income (ytd only)* | 13.4072% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 1,934 |
| Loan loss allowance to noncurrent loans | 386.8766% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 1,824 |
| Noncurrent loans to loans | 0.3415% | 2,005 |
| Net loans and leases to total assets | 53.3900% | 3,152 |
| Net loans and leases to deposits | 60.1766% | 3,184 |
| Net loans and leases to core deposits | 62.2985% | 3,228 |
| Total domestic deposits to total assets | 88.7200% | 2,206 |
| Equity capital to assets | 6.9403% | 3,546 |
| Core capital (leverage) ratio | 10.9438% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3516% | 1,323 |
| Memoranda: | ||
| Average total assets | $417,338,000 | 1,971 |
| Average earning assets | $367,438,000 | 2,054 |
| Average equity | $34,650,500 | 2,158 |
| Average total loans | $213,202,000 | 2,147 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6127% | 1,803 |
| Cost of funding earning assets | 0.2445% | 2,337 |
| Net interest margin | 3.3682% | 1,694 |
| Noninterest income to average assets | 0.5127% | 2,130 |
| Noninterest expense to average assets | 2.2487% | 2,710 |
| Loan and lease loss provision to assets | 0.0043% | 2,531 |
| Net operating income to assets | 0.9943% | 2,179 |
| Return on assets (ROA) | 0.9943% | 2,152 |
| Pretax return on assets | 1.2191% | 2,008 |
| Return on Equity (ROE) | 11.3637% | 1,873 |
| Retained earnings to average equity (ytd only) | 8.8542% | 1,332 |
| Net charge-offs to loans | 0.0257% | 1,203 |
| Credit loss provision to net charge-offs | 33.3333% | 1,555 |
| Earnings coverage of net charge-offs (x) | 94.9259% | 843 |
| Efficiency ratio | 64.7649% | 2,672 |
| Assets per employee ($millions) | 5.5755% | 3,148 |
| Cash dividends to net income (ytd only)* | 22.0835% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,860 |
| Loan loss allowance to noncurrent loans | 482.1604% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 2,226 |
| Noncurrent loans to loans | 0.2852% | 2,320 |
| Net loans and leases to total assets | 51.2139% | 3,243 |
| Net loans and leases to deposits | 59.0995% | 3,123 |
| Net loans and leases to core deposits | 61.0868% | 3,189 |
| Total domestic deposits to total assets | 86.6572% | 3,052 |
| Equity capital to assets | 7.5072% | 3,471 |
| Core capital (leverage) ratio | 10.4363% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7320% | 1,245 |
| Memoranda: | ||
| Average total assets | $418,992,333 | 1,981 |
| Average earning assets | $368,146,000 | 2,074 |
| Average equity | $36,660,667 | 2,132 |
| Average total loans | $209,902,333 | 2,171 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5207% | 1,738 |
| Cost of funding earning assets | 0.2496% | 2,168 |
| Net interest margin | 3.2712% | 1,643 |
| Noninterest income to average assets | 0.4775% | 2,258 |
| Noninterest expense to average assets | 2.1384% | 3,012 |
| Loan and lease loss provision to assets | 0.0047% | 2,222 |
| Net operating income to assets | 0.9815% | 1,962 |
| Return on assets (ROA) | 0.9815% | 1,959 |
| Pretax return on assets | 1.2032% | 1,804 |
| Return on Equity (ROE) | 10.4901% | 1,801 |
| Retained earnings to average equity (ytd only) | 10.4901% | 908 |
| Net charge-offs to loans | -0.0039% | 3,265 |
| Credit loss provision to net charge-offs | -250.0000% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9015% | 3,038 |
| Assets per employee ($millions) | 5.8168% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 1,877 |
| Loan loss allowance to noncurrent loans | 721.1165% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 2,680 |
| Noncurrent loans to loans | 0.1952% | 2,838 |
| Net loans and leases to total assets | 47.7041% | 3,413 |
| Net loans and leases to deposits | 55.4959% | 3,305 |
| Net loans and leases to core deposits | 57.2819% | 3,363 |
| Total domestic deposits to total assets | 85.9597% | 3,269 |
| Equity capital to assets | 8.3831% | 3,258 |
| Core capital (leverage) ratio | 10.2599% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8945% | 1,290 |
| Memoranda: | ||
| Average total assets | $422,194,000 | 1,975 |
| Average earning assets | $370,265,000 | 2,074 |
| Average equity | $39,504,000 | 2,075 |
| Average total loans | $207,729,000 | 2,178 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 2,663 |
| Cost of funding earning assets | 0.3516% | 1,925 |
| Net interest margin | 3.1479% | 2,743 |
| Noninterest income to average assets | 0.5648% | 2,301 |
| Noninterest expense to average assets | 2.3658% | 2,597 |
| Loan and lease loss provision to assets | 0.0348% | 2,356 |
| Net operating income to assets | 0.8781% | 3,117 |
| Return on assets (ROA) | 0.8781% | 3,176 |
| Pretax return on assets | 1.0510% | 3,125 |
| Return on Equity (ROE) | 9.0546% | 2,891 |
| Retained earnings to average equity (ytd only) | 6.6775% | 2,046 |
| Net charge-offs to loans | -0.0263% | 4,077 |
| Credit loss provision to net charge-offs | -241.8182% | 3,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5413% | 1,916 |
| Assets per employee ($millions) | 5.3701% | 3,395 |
| Cash dividends to net income (ytd only)* | 26.2530% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,730 |
| Loan loss allowance to noncurrent loans | 1,452.9412% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 3,086 |
| Noncurrent loans to loans | 0.0998% | 3,430 |
| Net loans and leases to total assets | 49.3495% | 3,369 |
| Net loans and leases to deposits | 59.1497% | 3,153 |
| Net loans and leases to core deposits | 61.7760% | 3,185 |
| Total domestic deposits to total assets | 83.4315% | 3,714 |
| Equity capital to assets | 10.3977% | 2,267 |
| Core capital (leverage) ratio | 10.0733% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2520% | 996 |
| Memoranda: | ||
| Average total assets | $381,728,000 | 2,057 |
| Average earning assets | $350,070,200 | 2,082 |
| Average equity | $37,019,800 | 2,201 |
| Average total loans | $208,760,000 | 2,180 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 2,759 |
| Cost of funding earning assets | 0.3779% | 1,869 |
| Net interest margin | 3.1464% | 2,915 |
| Noninterest income to average assets | 0.5992% | 2,220 |
| Noninterest expense to average assets | 2.2335% | 2,957 |
| Loan and lease loss provision to assets | 0.0440% | 2,118 |
| Net operating income to assets | 0.9852% | 2,970 |
| Return on assets (ROA) | 0.9852% | 3,047 |
| Pretax return on assets | 1.2220% | 2,862 |
| Return on Equity (ROE) | 10.3626% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.7925% | 1,771 |
| Net charge-offs to loans | -0.0394% | 4,249 |
| Credit loss provision to net charge-offs | -200.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8229% | 2,414 |
| Assets per employee ($millions) | 5.1256% | 3,574 |
| Cash dividends to net income (ytd only)* | 15.1515% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,830 |
| Loan loss allowance to noncurrent loans | 572.7273% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 3,231 |
| Noncurrent loans to loans | 0.2527% | 2,923 |
| Net loans and leases to total assets | 50.4353% | 3,358 |
| Net loans and leases to deposits | 60.8676% | 3,150 |
| Net loans and leases to core deposits | 63.7720% | 3,163 |
| Total domestic deposits to total assets | 82.8607% | 3,742 |
| Equity capital to assets | 10.7420% | 2,226 |
| Core capital (leverage) ratio | 10.4843% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4040% | 761 |
| Memoranda: | ||
| Average total assets | $375,127,500 | 2,108 |
| Average earning assets | $345,778,000 | 2,124 |
| Average equity | $35,665,750 | 2,289 |
| Average total loans | $209,856,500 | 2,203 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4763% | 2,953 |
| Cost of funding earning assets | 0.4150% | 1,763 |
| Net interest margin | 3.0614% | 3,141 |
| Noninterest income to average assets | 0.6432% | 2,026 |
| Noninterest expense to average assets | 2.2338% | 2,970 |
| Loan and lease loss provision to assets | 0.0676% | 1,702 |
| Net operating income to assets | 0.9294% | 3,135 |
| Return on assets (ROA) | 0.9294% | 3,212 |
| Pretax return on assets | 1.1529% | 3,049 |
| Return on Equity (ROE) | 10.2590% | 2,661 |
| Retained earnings to average equity (ytd only) | 7.7319% | 2,181 |
| Net charge-offs to loans | -0.0293% | 4,148 |
| Credit loss provision to net charge-offs | -400.0000% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6678% | 2,338 |
| Assets per employee ($millions) | 5.7495% | 2,850 |
| Cash dividends to net income (ytd only)* | 24.6334% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 1,955 |
| Loan loss allowance to noncurrent loans | 374.8082% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2642% | 2,613 |
| Noncurrent loans to loans | 0.3751% | 2,556 |
| Net loans and leases to total assets | 51.8054% | 3,364 |
| Net loans and leases to deposits | 62.6640% | 3,134 |
| Net loans and leases to core deposits | 67.4975% | 2,995 |
| Total domestic deposits to total assets | 82.6718% | 3,774 |
| Equity capital to assets | 10.5690% | 2,337 |
| Core capital (leverage) ratio | 11.1486% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5429% | 752 |
| Memoranda: | ||
| Average total assets | $366,905,000 | 2,127 |
| Average earning assets | $336,906,333 | 2,153 |
| Average equity | $33,239,000 | 2,390 |
| Average total loans | $211,609,000 | 2,199 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6798% | 2,410 |
| Cost of funding earning assets | 0.4551% | 1,683 |
| Net interest margin | 3.2247% | 2,620 |
| Noninterest income to average assets | 0.5682% | 2,334 |
| Noninterest expense to average assets | 2.2182% | 3,049 |
| Loan and lease loss provision to assets | 0.0727% | 1,721 |
| Net operating income to assets | 0.9693% | 2,909 |
| Return on assets (ROA) | 0.9693% | 3,002 |
| Pretax return on assets | 1.2080% | 2,828 |
| Return on Equity (ROE) | 11.8087% | 2,088 |
| Retained earnings to average equity (ytd only) | 11.8087% | 1,200 |
| Net charge-offs to loans | -0.0169% | 3,910 |
| Credit loss provision to net charge-offs | -711.1111% | 3,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3972% | 2,544 |
| Assets per employee ($millions) | 5.6364% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 2,240 |
| Loan loss allowance to noncurrent loans | 353.0359% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 2,491 |
| Noncurrent loans to loans | 0.3804% | 2,730 |
| Net loans and leases to total assets | 58.0255% | 2,800 |
| Net loans and leases to deposits | 68.9433% | 2,607 |
| Net loans and leases to core deposits | 75.4246% | 2,400 |
| Total domestic deposits to total assets | 84.1641% | 3,384 |
| Equity capital to assets | 8.0595% | 4,456 |
| Core capital (leverage) ratio | 8.0954% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5965% | 1,707 |
| Memoranda: | ||
| Average total assets | $351,999,000 | 2,178 |
| Average earning assets | $319,905,000 | 2,222 |
| Average equity | $28,894,000 | 2,624 |
| Average total loans | $213,187,500 | 2,197 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3709% | 1,666 |
| Cost of funding earning assets | 0.6992% | 1,720 |
| Net interest margin | 3.6717% | 1,905 |
| Noninterest income to average assets | 0.5890% | 2,261 |
| Noninterest expense to average assets | 2.5963% | 2,557 |
| Loan and lease loss provision to assets | 0.1539% | 2,447 |
| Net operating income to assets | 0.9067% | 2,667 |
| Return on assets (ROA) | 0.9067% | 2,802 |
| Pretax return on assets | 1.0859% | 2,750 |
| Return on Equity (ROE) | 10.5817% | 1,782 |
| Retained earnings to average equity (ytd only) | 7.5948% | 1,172 |
| Net charge-offs to loans | 0.0354% | 2,342 |
| Credit loss provision to net charge-offs | 624.0506% | 1,076 |
| Earnings coverage of net charge-offs (x) | 50.2785% | 1,196 |
| Efficiency ratio | 67.6810% | 2,273 |
| Assets per employee ($millions) | 5.2010% | 3,154 |
| Cash dividends to net income (ytd only)* | 28.2272% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,433 |
| Loan loss allowance to noncurrent loans | 232.3013% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4428% | 2,255 |
| Noncurrent loans to loans | 0.5579% | 2,308 |
| Net loans and leases to total assets | 61.5946% | 2,657 |
| Net loans and leases to deposits | 73.8420% | 2,502 |
| Net loans and leases to core deposits | 81.2258% | 2,255 |
| Total domestic deposits to total assets | 83.4141% | 3,291 |
| Equity capital to assets | 8.3652% | 4,545 |
| Core capital (leverage) ratio | 8.0718% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2422% | 1,766 |
| Memoranda: | ||
| Average total assets | $320,382,200 | 2,192 |
| Average earning assets | $283,328,400 | 2,268 |
| Average equity | $27,453,000 | 2,641 |
| Average total loans | $222,879,000 | 2,089 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 1,777 |
| Cost of funding earning assets | 0.7639% | 1,657 |
| Net interest margin | 3.6632% | 2,049 |
| Noninterest income to average assets | 0.6013% | 2,173 |
| Noninterest expense to average assets | 2.5004% | 2,849 |
| Loan and lease loss provision to assets | 0.1560% | 2,448 |
| Net operating income to assets | 0.9305% | 2,595 |
| Return on assets (ROA) | 0.9305% | 2,726 |
| Pretax return on assets | 1.1614% | 2,523 |
| Return on Equity (ROE) | 10.7892% | 1,751 |
| Retained earnings to average equity (ytd only) | 8.8240% | 1,030 |
| Net charge-offs to loans | 0.0474% | 1,935 |
| Credit loss provision to net charge-offs | 460.0000% | 1,346 |
| Earnings coverage of net charge-offs (x) | 38.8625% | 1,383 |
| Efficiency ratio | 65.4939% | 2,526 |
| Assets per employee ($millions) | 5.1092% | 3,102 |
| Cash dividends to net income (ytd only)* | 18.2149% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 2,918 |
| Loan loss allowance to noncurrent loans | 188.6121% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 2,189 |
| Noncurrent loans to loans | 0.6122% | 2,269 |
| Net loans and leases to total assets | 65.2897% | 2,608 |
| Net loans and leases to deposits | 77.9631% | 2,536 |
| Net loans and leases to core deposits | 84.1003% | 2,462 |
| Total domestic deposits to total assets | 83.7444% | 2,911 |
| Equity capital to assets | 8.1675% | 4,648 |
| Core capital (leverage) ratio | 8.4418% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9416% | 1,848 |
| Memoranda: | ||
| Average total assets | $314,661,000 | 2,199 |
| Average earning assets | $276,287,250 | 2,293 |
| Average equity | $27,137,500 | 2,657 |
| Average total loans | $225,046,250 | 2,064 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 1,684 |
| Cost of funding earning assets | 0.8421% | 1,626 |
| Net interest margin | 3.7404% | 2,023 |
| Noninterest income to average assets | 0.6163% | 2,071 |
| Noninterest expense to average assets | 2.5416% | 2,851 |
| Loan and lease loss provision to assets | 0.1620% | 2,379 |
| Net operating income to assets | 0.9278% | 2,594 |
| Return on assets (ROA) | 0.9278% | 2,719 |
| Pretax return on assets | 1.1563% | 2,521 |
| Return on Equity (ROE) | 10.5446% | 1,795 |
| Retained earnings to average equity (ytd only) | 7.5511% | 1,442 |
| Net charge-offs to loans | 0.0537% | 1,722 |
| Credit loss provision to net charge-offs | 410.0000% | 1,386 |
| Earnings coverage of net charge-offs (x) | 33.3667% | 1,361 |
| Efficiency ratio | 65.8478% | 2,543 |
| Assets per employee ($millions) | 5.1392% | 3,011 |
| Cash dividends to net income (ytd only)* | 28.3889% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 3,168 |
| Loan loss allowance to noncurrent loans | 160.5545% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7020% | 1,752 |
| Noncurrent loans to loans | 0.6734% | 2,181 |
| Net loans and leases to total assets | 69.7892% | 2,059 |
| Net loans and leases to deposits | 84.0960% | 1,993 |
| Net loans and leases to core deposits | 94.8678% | 1,675 |
| Total domestic deposits to total assets | 82.9875% | 3,090 |
| Equity capital to assets | 8.2195% | 4,627 |
| Core capital (leverage) ratio | 8.7021% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2486% | 2,085 |
| Memoranda: | ||
| Average total assets | $303,740,000 | 2,231 |
| Average earning assets | $263,395,667 | 2,344 |
| Average equity | $26,724,667 | 2,671 |
| Average total loans | $223,567,667 | 2,057 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9009% | 1,188 |
| Cost of funding earning assets | 0.9306% | 1,736 |
| Net interest margin | 3.9703% | 1,474 |
| Noninterest income to average assets | 0.6276% | 1,914 |
| Noninterest expense to average assets | 2.6686% | 2,787 |
| Loan and lease loss provision to assets | 0.1708% | 1,722 |
| Net operating income to assets | 1.0108% | 2,143 |
| Return on assets (ROA) | 1.0108% | 2,243 |
| Pretax return on assets | 1.2593% | 1,995 |
| Return on Equity (ROE) | 11.0456% | 1,394 |
| Retained earnings to average equity (ytd only) | 11.0456% | 560 |
| Net charge-offs to loans | 0.0607% | 1,402 |
| Credit loss provision to net charge-offs | 372.7273% | 1,050 |
| Earnings coverage of net charge-offs (x) | 31.2121% | 1,151 |
| Efficiency ratio | 65.1084% | 3,074 |
| Assets per employee ($millions) | 4.3088% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,049 |
| Loan loss allowance to noncurrent loans | 148.6962% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 1,774 |
| Noncurrent loans to loans | 0.7596% | 2,103 |
| Net loans and leases to total assets | 74.3471% | 1,555 |
| Net loans and leases to deposits | 92.6428% | 1,216 |
| Net loans and leases to core deposits | 103.9702% | 1,187 |
| Total domestic deposits to total assets | 80.2514% | 3,814 |
| Equity capital to assets | 9.1722% | 4,487 |
| Core capital (leverage) ratio | 9.1464% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9937% | 2,287 |
| Memoranda: | ||
| Average total assets | $288,086,000 | 2,276 |
| Average earning assets | $251,873,000 | 2,359 |
| Average equity | $26,363,500 | 2,688 |
| Average total loans | $217,512,500 | 2,061 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0379% | 1,374 |
| Cost of funding earning assets | 0.8289% | 2,533 |
| Net interest margin | 4.2090% | 1,302 |
| Noninterest income to average assets | 0.6517% | 2,001 |
| Noninterest expense to average assets | 3.0745% | 1,823 |
| Loan and lease loss provision to assets | 0.1390% | 1,533 |
| Net operating income to assets | 1.0440% | 2,679 |
| Return on assets (ROA) | 1.1316% | 2,423 |
| Pretax return on assets | 1.3535% | 2,318 |
| Return on Equity (ROE) | 12.1247% | 1,463 |
| Retained earnings to average equity (ytd only) | 8.9652% | 719 |
| Net charge-offs to loans | 0.2148% | 952 |
| Credit loss provision to net charge-offs | 80.7281% | 2,788 |
| Earnings coverage of net charge-offs (x) | 8.0642% | 2,810 |
| Efficiency ratio | 68.8940% | 2,329 |
| Assets per employee ($millions) | 4.3558% | 3,427 |
| Cash dividends to net income (ytd only)* | 26.0586% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,039 |
| Loan loss allowance to noncurrent loans | 159.0572% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9653% | 1,303 |
| Noncurrent loans to loans | 0.6814% | 2,183 |
| Net loans and leases to total assets | 74.9884% | 1,587 |
| Net loans and leases to deposits | 93.5202% | 1,201 |
| Net loans and leases to core deposits | 104.9654% | 1,168 |
| Total domestic deposits to total assets | 80.1842% | 3,940 |
| Equity capital to assets | 9.1303% | 4,620 |
| Core capital (leverage) ratio | 9.2804% | 4,295 |
| Tier 1 risk-based capital ratio | 12.4596% | 4,096 |
| Total risk-based capital ratio | 13.5939% | 4,030 |
| Memoranda: | ||
| Average total assets | $271,293,800 | 2,324 |
| Average earning assets | $245,638,400 | 2,370 |
| Average equity | $25,320,200 | 2,695 |
| Average total loans | $217,401,000 | 2,045 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 1,615 |
| Cost of funding earning assets | 0.8044% | 2,696 |
| Net interest margin | 4.1699% | 1,449 |
| Noninterest income to average assets | 0.6875% | 1,837 |
| Noninterest expense to average assets | 3.0139% | 1,939 |
| Loan and lease loss provision to assets | 0.1412% | 1,363 |
| Net operating income to assets | 1.0855% | 2,630 |
| Return on assets (ROA) | 1.1999% | 2,274 |
| Pretax return on assets | 1.4857% | 2,001 |
| Return on Equity (ROE) | 12.7812% | 1,360 |
| Retained earnings to average equity (ytd only) | 10.6555% | 592 |
| Net charge-offs to loans | 0.2197% | 808 |
| Credit loss provision to net charge-offs | 79.0503% | 2,516 |
| Earnings coverage of net charge-offs (x) | 8.3185% | 2,671 |
| Efficiency ratio | 66.9808% | 2,592 |
| Assets per employee ($millions) | 4.1826% | 3,644 |
| Cash dividends to net income (ytd only)* | 16.6320% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,232 |
| Loan loss allowance to noncurrent loans | 118.1412% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.0680% | 1,237 |
| Noncurrent loans to loans | 0.8965% | 1,782 |
| Net loans and leases to total assets | 79.2381% | 956 |
| Net loans and leases to deposits | 99.4509% | 684 |
| Net loans and leases to core deposits | 114.9872% | 700 |
| Total domestic deposits to total assets | 79.6756% | 4,055 |
| Equity capital to assets | 9.2868% | 4,605 |
| Core capital (leverage) ratio | 9.4694% | 4,198 |
| Tier 1 risk-based capital ratio | 12.0224% | 4,408 |
| Total risk-based capital ratio | 13.1353% | 4,361 |
| Memoranda: | ||
| Average total assets | $267,246,500 | 2,362 |
| Average earning assets | $244,317,250 | 2,392 |
| Average equity | $25,088,250 | 2,724 |
| Average total loans | $217,266,000 | 2,063 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 1,575 |
| Cost of funding earning assets | 0.7630% | 2,836 |
| Net interest margin | 4.2030% | 1,359 |
| Noninterest income to average assets | 0.7135% | 1,663 |
| Noninterest expense to average assets | 3.0169% | 1,963 |
| Loan and lease loss provision to assets | 0.1453% | 1,272 |
| Net operating income to assets | 1.1426% | 2,359 |
| Return on assets (ROA) | 1.1426% | 2,436 |
| Pretax return on assets | 1.4103% | 2,167 |
| Return on Equity (ROE) | 12.1246% | 1,529 |
| Retained earnings to average equity (ytd only) | 8.8957% | 1,061 |
| Net charge-offs to loans | 0.1340% | 1,125 |
| Credit loss provision to net charge-offs | 132.6389% | 1,639 |
| Earnings coverage of net charge-offs (x) | 14.2014% | 2,050 |
| Efficiency ratio | 65.9790% | 2,804 |
| Assets per employee ($millions) | 3.9245% | 3,970 |
| Cash dividends to net income (ytd only)* | 26.6312% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 2,858 |
| Loan loss allowance to noncurrent loans | 124.8252% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2448% | 1,051 |
| Noncurrent loans to loans | 0.9107% | 1,799 |
| Net loans and leases to total assets | 82.6498% | 521 |
| Net loans and leases to deposits | 105.7214% | 354 |
| Net loans and leases to core deposits | 116.2455% | 675 |
| Total domestic deposits to total assets | 78.1769% | 4,357 |
| Equity capital to assets | 9.6626% | 4,260 |
| Core capital (leverage) ratio | 9.5082% | 4,135 |
| Tier 1 risk-based capital ratio | 11.7624% | 4,537 |
| Total risk-based capital ratio | 12.9488% | 4,478 |
| Memoranda: | ||
| Average total assets | $262,917,000 | 2,401 |
| Average earning assets | $241,401,000 | 2,422 |
| Average equity | $24,776,000 | 2,741 |
| Average total loans | $214,878,000 | 2,080 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9362% | 1,506 |
| Cost of funding earning assets | 0.7565% | 2,756 |
| Net interest margin | 4.1797% | 1,348 |
| Noninterest income to average assets | 0.6481% | 1,826 |
| Noninterest expense to average assets | 2.8877% | 2,308 |
| Loan and lease loss provision to assets | 0.1506% | 1,115 |
| Net operating income to assets | 1.1776% | 2,139 |
| Return on assets (ROA) | 1.1776% | 2,190 |
| Pretax return on assets | 1.4515% | 1,915 |
| Return on Equity (ROE) | 12.6571% | 1,335 |
| Retained earnings to average equity (ytd only) | 12.6571% | 519 |
| Net charge-offs to loans | 0.0866% | 1,237 |
| Credit loss provision to net charge-offs | 215.2174% | 1,006 |
| Earnings coverage of net charge-offs (x) | 22.8913% | 1,482 |
| Efficiency ratio | 64.3172% | 3,188 |
| Assets per employee ($millions) | 3.8308% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,700 |
| Loan loss allowance to noncurrent loans | 128.0675% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0426% | 1,334 |
| Noncurrent loans to loans | 0.9196% | 1,820 |
| Net loans and leases to total assets | 80.6892% | 759 |
| Net loans and leases to deposits | 99.2600% | 683 |
| Net loans and leases to core deposits | 107.7826% | 1,063 |
| Total domestic deposits to total assets | 81.2907% | 3,907 |
| Equity capital to assets | 9.5750% | 4,188 |
| Core capital (leverage) ratio | 9.1610% | 4,512 |
| Tier 1 risk-based capital ratio | 12.0536% | 4,427 |
| Total risk-based capital ratio | 13.2887% | 4,332 |
| Memoranda: | ||
| Average total assets | $262,904,500 | 2,421 |
| Average earning assets | $241,641,500 | 2,436 |
| Average equity | $24,460,500 | 2,763 |
| Average total loans | $212,407,000 | 2,117 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 1,595 |
| Cost of funding earning assets | 0.5798% | 2,855 |
| Net interest margin | 4.2005% | 1,389 |
| Noninterest income to average assets | 0.6525% | 2,038 |
| Noninterest expense to average assets | 3.0454% | 1,949 |
| Loan and lease loss provision to assets | 0.1486% | 1,431 |
| Net operating income to assets | 1.1131% | 2,541 |
| Return on assets (ROA) | 1.1131% | 2,545 |
| Pretax return on assets | 1.3242% | 2,417 |
| Return on Equity (ROE) | 12.5203% | 1,537 |
| Retained earnings to average equity (ytd only) | 9.1329% | 814 |
| Net charge-offs to loans | 0.0837% | 1,943 |
| Credit loss provision to net charge-offs | 220.0000% | 1,322 |
| Earnings coverage of net charge-offs (x) | 21.8000% | 1,931 |
| Efficiency ratio | 67.4015% | 2,639 |
| Assets per employee ($millions) | 3.9600% | 3,944 |
| Cash dividends to net income (ytd only)* | 27.0552% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,794 |
| Loan loss allowance to noncurrent loans | 108.5917% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.1620% | 1,130 |
| Noncurrent loans to loans | 1.0645% | 1,533 |
| Net loans and leases to total assets | 79.0255% | 1,092 |
| Net loans and leases to deposits | 97.3489% | 948 |
| Net loans and leases to core deposits | 105.1684% | 1,327 |
| Total domestic deposits to total assets | 81.1777% | 3,847 |
| Equity capital to assets | 9.0378% | 4,544 |
| Core capital (leverage) ratio | 9.1042% | 4,555 |
| Tier 1 risk-based capital ratio | 11.6520% | 4,643 |
| Total risk-based capital ratio | 12.8588% | 4,552 |
| Memoranda: | ||
| Average total assets | $259,015,200 | 2,410 |
| Average earning assets | $238,377,000 | 2,424 |
| Average equity | $23,026,600 | 2,817 |
| Average total loans | $209,073,400 | 2,103 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7494% | 1,548 |
| Cost of funding earning assets | 0.5404% | 2,930 |
| Net interest margin | 4.2090% | 1,336 |
| Noninterest income to average assets | 0.6790% | 1,945 |
| Noninterest expense to average assets | 2.9127% | 2,269 |
| Loan and lease loss provision to assets | 0.1429% | 1,392 |
| Net operating income to assets | 1.2181% | 2,161 |
| Return on assets (ROA) | 1.2181% | 2,162 |
| Pretax return on assets | 1.4999% | 1,896 |
| Return on Equity (ROE) | 13.7610% | 1,181 |
| Retained earnings to average equity (ytd only) | 11.5377% | 549 |
| Net charge-offs to loans | 0.0736% | 1,794 |
| Credit loss provision to net charge-offs | 240.0000% | 1,212 |
| Earnings coverage of net charge-offs (x) | 27.5825% | 1,700 |
| Efficiency ratio | 63.9382% | 3,199 |
| Assets per employee ($millions) | 4.1610% | 3,630 |
| Cash dividends to net income (ytd only)* | 16.1563% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,049 |
| Loan loss allowance to noncurrent loans | 118.4911% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 1,538 |
| Noncurrent loans to loans | 0.9499% | 1,793 |
| Net loans and leases to total assets | 79.2676% | 1,122 |
| Net loans and leases to deposits | 95.2439% | 1,241 |
| Net loans and leases to core deposits | 101.3559% | 1,666 |
| Total domestic deposits to total assets | 83.2259% | 3,223 |
| Equity capital to assets | 8.9015% | 4,640 |
| Core capital (leverage) ratio | 9.0313% | 4,676 |
| Tier 1 risk-based capital ratio | 11.5571% | 4,757 |
| Total risk-based capital ratio | 12.7367% | 4,682 |
| Memoranda: | ||
| Average total assets | $257,439,500 | 2,436 |
| Average earning assets | $237,106,500 | 2,447 |
| Average equity | $22,788,500 | 2,846 |
| Average total loans | $208,311,500 | 2,115 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,449 |
| Cost of funding earning assets | 0.5096% | 2,937 |
| Net interest margin | 4.2130% | 1,254 |
| Noninterest income to average assets | 0.6908% | 1,910 |
| Noninterest expense to average assets | 2.9801% | 2,097 |
| Loan and lease loss provision to assets | 0.1446% | 1,330 |
| Net operating income to assets | 1.1765% | 2,293 |
| Return on assets (ROA) | 1.1765% | 2,294 |
| Pretax return on assets | 1.4453% | 2,004 |
| Return on Equity (ROE) | 13.3167% | 1,260 |
| Retained earnings to average equity (ytd only) | 9.9364% | 945 |
| Net charge-offs to loans | 0.0532% | 1,842 |
| Credit loss provision to net charge-offs | 334.5455% | 932 |
| Earnings coverage of net charge-offs (x) | 36.7818% | 1,355 |
| Efficiency ratio | 65.2107% | 3,120 |
| Assets per employee ($millions) | 3.9035% | 4,049 |
| Cash dividends to net income (ytd only)* | 25.3841% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 3,149 |
| Loan loss allowance to noncurrent loans | 168.0369% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 2,024 |
| Noncurrent loans to loans | 0.6669% | 2,443 |
| Net loans and leases to total assets | 79.9927% | 1,023 |
| Net loans and leases to deposits | 96.5128% | 1,094 |
| Net loans and leases to core deposits | 101.5686% | 1,596 |
| Total domestic deposits to total assets | 82.8829% | 3,440 |
| Equity capital to assets | 8.7625% | 4,752 |
| Core capital (leverage) ratio | 8.7974% | 4,888 |
| Tier 1 risk-based capital ratio | 11.3071% | 4,896 |
| Total risk-based capital ratio | 12.4888% | 4,827 |
| Memoranda: | ||
| Average total assets | $254,485,000 | 2,473 |
| Average earning assets | $234,321,000 | 2,478 |
| Average equity | $22,483,000 | 2,886 |
| Average total loans | $206,583,670 | 2,135 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 1,382 |
| Cost of funding earning assets | 0.4927% | 2,852 |
| Net interest margin | 4.1757% | 1,229 |
| Noninterest income to average assets | 0.6631% | 1,987 |
| Noninterest expense to average assets | 2.9375% | 2,231 |
| Loan and lease loss provision to assets | 0.1466% | 1,258 |
| Net operating income to assets | 1.1795% | 2,098 |
| Return on assets (ROA) | 1.1795% | 2,107 |
| Pretax return on assets | 1.4425% | 1,856 |
| Return on Equity (ROE) | 13.2938% | 1,186 |
| Retained earnings to average equity (ytd only) | 13.2938% | 479 |
| Net charge-offs to loans | 0.0451% | 1,665 |
| Credit loss provision to net charge-offs | 400.0000% | 691 |
| Earnings coverage of net charge-offs (x) | 43.3478% | 1,023 |
| Efficiency ratio | 64.8944% | 3,336 |
| Assets per employee ($millions) | 3.8876% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 3,268 |
| Loan loss allowance to noncurrent loans | 134.4386% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 2,186 |
| Noncurrent loans to loans | 0.8328% | 2,156 |
| Net loans and leases to total assets | 78.3563% | 1,184 |
| Net loans and leases to deposits | 94.6729% | 1,169 |
| Net loans and leases to core deposits | 100.0368% | 1,687 |
| Total domestic deposits to total assets | 82.7653% | 3,740 |
| Equity capital to assets | 8.6613% | 4,851 |
| Core capital (leverage) ratio | 8.7833% | 4,911 |
| Tier 1 risk-based capital ratio | 11.5063% | 4,859 |
| Total risk-based capital ratio | 12.6982% | 4,783 |
| Memoranda: | ||
| Average total assets | $250,960,500 | 2,507 |
| Average earning assets | $232,198,500 | 2,516 |
| Average equity | $22,266,000 | 2,935 |
| Average total loans | $204,086,000 | 2,167 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 1,373 |
| Cost of funding earning assets | 0.4125% | 3,130 |
| Net interest margin | 4.2067% | 1,179 |
| Noninterest income to average assets | 0.6831% | 2,037 |
| Noninterest expense to average assets | 3.0281% | 2,076 |
| Loan and lease loss provision to assets | 0.2214% | 895 |
| Net operating income to assets | 0.8673% | 2,880 |
| Return on assets (ROA) | 0.8673% | 2,900 |
| Pretax return on assets | 1.2960% | 2,369 |
| Return on Equity (ROE) | 9.7643% | 1,997 |
| Retained earnings to average equity (ytd only) | 6.3235% | 1,368 |
| Net charge-offs to loans | 0.1612% | 1,513 |
| Credit loss provision to net charge-offs | 169.6203% | 1,589 |
| Earnings coverage of net charge-offs (x) | 11.6266% | 2,550 |
| Efficiency ratio | 66.6182% | 3,146 |
| Assets per employee ($millions) | 3.6038% | 4,569 |
| Cash dividends to net income (ytd only)* | 35.2381% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 3,286 |
| Loan loss allowance to noncurrent loans | 128.1875% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 1,964 |
| Noncurrent loans to loans | 0.8668% | 2,059 |
| Net loans and leases to total assets | 82.6355% | 605 |
| Net loans and leases to deposits | 99.0528% | 811 |
| Net loans and leases to core deposits | 104.3055% | 1,391 |
| Total domestic deposits to total assets | 83.4257% | 3,415 |
| Equity capital to assets | 9.0999% | 4,618 |
| Core capital (leverage) ratio | 8.9009% | 4,752 |
| Tier 1 risk-based capital ratio | 11.4044% | 4,912 |
| Total risk-based capital ratio | 12.5897% | 4,834 |
| Memoranda: | ||
| Average total assets | $242,131,400 | 2,550 |
| Average earning assets | $222,313,800 | 2,565 |
| Average equity | $21,507,000 | 2,991 |
| Average total loans | $196,042,800 | 2,191 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 1,417 |
| Cost of funding earning assets | 0.4044% | 3,143 |
| Net interest margin | 4.1782% | 1,209 |
| Noninterest income to average assets | 0.7131% | 1,944 |
| Noninterest expense to average assets | 2.8834% | 2,464 |
| Loan and lease loss provision to assets | 0.2526% | 684 |
| Net operating income to assets | 0.9927% | 2,584 |
| Return on assets (ROA) | 0.9927% | 2,638 |
| Pretax return on assets | 1.4092% | 2,091 |
| Return on Equity (ROE) | 11.2444% | 1,591 |
| Retained earnings to average equity (ytd only) | 9.0006% | 838 |
| Net charge-offs to loans | 0.1733% | 1,209 |
| Credit loss provision to net charge-offs | 181.4229% | 1,459 |
| Earnings coverage of net charge-offs (x) | 11.9369% | 2,463 |
| Efficiency ratio | 63.4383% | 3,651 |
| Assets per employee ($millions) | 3.6696% | 4,490 |
| Cash dividends to net income (ytd only)* | 19.9558% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 3,400 |
| Loan loss allowance to noncurrent loans | 157.9022% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 2,469 |
| Noncurrent loans to loans | 0.7074% | 2,589 |
| Net loans and leases to total assets | 79.0429% | 1,121 |
| Net loans and leases to deposits | 93.9591% | 1,308 |
| Net loans and leases to core deposits | 98.7553% | 1,823 |
| Total domestic deposits to total assets | 84.1247% | 3,073 |
| Equity capital to assets | 8.8850% | 5,006 |
| Core capital (leverage) ratio | 8.8529% | 4,921 |
| Tier 1 risk-based capital ratio | 11.5566% | 4,920 |
| Total risk-based capital ratio | 12.7480% | 4,856 |
| Memoranda: | ||
| Average total assets | $242,301,250 | 2,565 |
| Average earning assets | $222,224,750 | 2,583 |
| Average equity | $21,390,750 | 3,030 |
| Average total loans | $194,611,750 | 2,212 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 1,363 |
| Cost of funding earning assets | 0.4015% | 3,058 |
| Net interest margin | 4.1573% | 1,179 |
| Noninterest income to average assets | 0.7112% | 1,940 |
| Noninterest expense to average assets | 2.9005% | 2,425 |
| Loan and lease loss provision to assets | 0.2551% | 651 |
| Net operating income to assets | 0.9588% | 2,614 |
| Return on assets (ROA) | 0.9588% | 2,675 |
| Pretax return on assets | 1.3623% | 2,159 |
| Return on Equity (ROE) | 10.8847% | 1,685 |
| Retained earnings to average equity (ytd only) | 7.4773% | 1,364 |
| Net charge-offs to loans | 0.2363% | 863 |
| Credit loss provision to net charge-offs | 134.2105% | 1,642 |
| Earnings coverage of net charge-offs (x) | 8.5088% | 2,504 |
| Efficiency ratio | 64.2000% | 3,637 |
| Assets per employee ($millions) | 3.6269% | 4,535 |
| Cash dividends to net income (ytd only)* | 31.3043% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,764 |
| Loan loss allowance to noncurrent loans | 182.6087% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 2,602 |
| Noncurrent loans to loans | 0.5826% | 2,984 |
| Net loans and leases to total assets | 81.5836% | 728 |
| Net loans and leases to deposits | 96.9768% | 986 |
| Net loans and leases to core deposits | 102.3323% | 1,482 |
| Total domestic deposits to total assets | 84.1269% | 3,146 |
| Equity capital to assets | 9.0022% | 4,899 |
| Core capital (leverage) ratio | 8.6863% | 5,053 |
| Tier 1 risk-based capital ratio | 11.3769% | 5,035 |
| Total risk-based capital ratio | 12.5170% | 4,993 |
| Memoranda: | ||
| Average total assets | $239,890,670 | 2,592 |
| Average earning assets | $219,661,330 | 2,615 |
| Average equity | $21,130,670 | 3,054 |
| Average total loans | $192,993,670 | 2,232 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 1,439 |
| Cost of funding earning assets | 0.3933% | 3,065 |
| Net interest margin | 4.0805% | 1,267 |
| Noninterest income to average assets | 0.6529% | 2,166 |
| Noninterest expense to average assets | 2.8066% | 2,772 |
| Loan and lease loss provision to assets | 0.2548% | 579 |
| Net operating income to assets | 0.9361% | 2,576 |
| Return on assets (ROA) | 0.9361% | 2,636 |
| Pretax return on assets | 1.3242% | 2,155 |
| Return on Equity (ROE) | 10.7449% | 1,660 |
| Retained earnings to average equity (ytd only) | 10.7449% | 656 |
| Net charge-offs to loans | 0.2998% | 617 |
| Credit loss provision to net charge-offs | 106.9930% | 1,501 |
| Earnings coverage of net charge-offs (x) | 6.6294% | 2,200 |
| Efficiency ratio | 63.9954% | 3,835 |
| Assets per employee ($millions) | 4.0794% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 3,962 |
| Loan loss allowance to noncurrent loans | 135.4667% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 2,244 |
| Noncurrent loans to loans | 0.7787% | 2,516 |
| Net loans and leases to total assets | 77.8703% | 1,155 |
| Net loans and leases to deposits | 93.1756% | 1,201 |
| Net loans and leases to core deposits | 98.3458% | 1,635 |
| Total domestic deposits to total assets | 83.5737% | 3,633 |
| Equity capital to assets | 8.6711% | 5,095 |
| Core capital (leverage) ratio | 8.6606% | 5,090 |
| Tier 1 risk-based capital ratio | 11.5013% | 5,030 |
| Total risk-based capital ratio | 12.6264% | 5,007 |
| Memoranda: | ||
| Average total assets | $240,149,000 | 2,614 |
| Average earning assets | $219,678,000 | 2,644 |
| Average equity | $20,921,500 | 3,089 |
| Average total loans | $190,795,500 | 2,267 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5868% | 1,311 |
| Cost of funding earning assets | 0.3772% | 3,234 |
| Net interest margin | 4.2096% | 1,090 |
| Noninterest income to average assets | 0.7136% | 2,106 |
| Noninterest expense to average assets | 3.1403% | 1,924 |
| Loan and lease loss provision to assets | 0.1556% | 1,601 |
| Net operating income to assets | 0.8970% | 2,842 |
| Return on assets (ROA) | 0.8970% | 2,962 |
| Pretax return on assets | 1.2547% | 2,453 |
| Return on Equity (ROE) | 9.8741% | 2,015 |
| Retained earnings to average equity (ytd only) | 6.3300% | 1,543 |
| Net charge-offs to loans | 0.1323% | 1,922 |
| Credit loss provision to net charge-offs | 148.0851% | 1,854 |
| Earnings coverage of net charge-offs (x) | 13.4213% | 2,372 |
| Efficiency ratio | 69.0085% | 3,072 |
| Assets per employee ($millions) | 3.7989% | 4,315 |
| Cash dividends to net income (ytd only)* | 35.8923% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 3,891 |
| Loan loss allowance to noncurrent loans | 135.6137% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,630 |
| Noncurrent loans to loans | 0.7891% | 2,543 |
| Net loans and leases to total assets | 79.3680% | 989 |
| Net loans and leases to deposits | 95.3507% | 1,061 |
| Net loans and leases to core deposits | 100.6363% | 1,570 |
| Total domestic deposits to total assets | 83.2379% | 3,681 |
| Equity capital to assets | 8.7542% | 5,062 |
| Core capital (leverage) ratio | 8.7243% | 5,049 |
| Tier 1 risk-based capital ratio | 11.4800% | 5,070 |
| Total risk-based capital ratio | 12.6286% | 5,028 |
| Memoranda: | ||
| Average total assets | $223,642,600 | 2,727 |
| Average earning assets | $203,844,800 | 2,750 |
| Average equity | $20,315,800 | 3,138 |
| Average total loans | $177,575,400 | 2,337 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5583% | 1,389 |
| Cost of funding earning assets | 0.3668% | 3,366 |
| Net interest margin | 4.1915% | 1,138 |
| Noninterest income to average assets | 0.7474% | 1,976 |
| Noninterest expense to average assets | 3.0512% | 2,158 |
| Loan and lease loss provision to assets | 0.0713% | 2,786 |
| Net operating income to assets | 1.0018% | 2,424 |
| Return on assets (ROA) | 1.0018% | 2,565 |
| Pretax return on assets | 1.4501% | 1,877 |
| Return on Equity (ROE) | 10.9220% | 1,699 |
| Retained earnings to average equity (ytd only) | 8.5505% | 960 |
| Net charge-offs to loans | 0.0969% | 1,979 |
| Credit loss provision to net charge-offs | 92.9134% | 2,485 |
| Earnings coverage of net charge-offs (x) | 19.8267% | 1,913 |
| Efficiency ratio | 66.7283% | 3,466 |
| Assets per employee ($millions) | 3.9361% | 4,069 |
| Cash dividends to net income (ytd only)* | 21.7130% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 4,246 |
| Loan loss allowance to noncurrent loans | 130.7639% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 2,726 |
| Noncurrent loans to loans | 0.7876% | 2,709 |
| Net loans and leases to total assets | 78.6220% | 1,095 |
| Net loans and leases to deposits | 94.9307% | 1,157 |
| Net loans and leases to core deposits | 100.3655% | 1,600 |
| Total domestic deposits to total assets | 82.8204% | 3,659 |
| Equity capital to assets | 8.9972% | 5,180 |
| Core capital (leverage) ratio | 8.9242% | 4,913 |
| Tier 1 risk-based capital ratio | 11.8915% | 4,856 |
| Total risk-based capital ratio | 13.0088% | 4,842 |
| Memoranda: | ||
| Average total assets | $220,670,250 | 2,761 |
| Average earning assets | $201,387,000 | 2,787 |
| Average equity | $20,240,000 | 3,169 |
| Average total loans | $174,729,500 | 2,369 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 1,377 |
| Cost of funding earning assets | 0.3591% | 3,465 |
| Net interest margin | 4.1941% | 1,131 |
| Noninterest income to average assets | 0.7730% | 1,834 |
| Noninterest expense to average assets | 3.1252% | 1,995 |
| Loan and lease loss provision to assets | 0.0332% | 3,484 |
| Net operating income to assets | 0.9962% | 2,412 |
| Return on assets (ROA) | 0.9962% | 2,548 |
| Pretax return on assets | 1.4390% | 1,880 |
| Return on Equity (ROE) | 10.7881% | 1,724 |
| Retained earnings to average equity (ytd only) | 7.1921% | 1,511 |
| Net charge-offs to loans | 0.1073% | 1,751 |
| Credit loss provision to net charge-offs | 39.1304% | 2,776 |
| Earnings coverage of net charge-offs (x) | 17.3478% | 1,880 |
| Efficiency ratio | 67.9775% | 3,352 |
| Assets per employee ($millions) | 3.6504% | 4,518 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 4,281 |
| Loan loss allowance to noncurrent loans | 133.4053% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 2,684 |
| Noncurrent loans to loans | 0.7798% | 2,801 |
| Net loans and leases to total assets | 79.1631% | 1,042 |
| Net loans and leases to deposits | 93.6039% | 1,324 |
| Net loans and leases to core deposits | 98.8105% | 1,739 |
| Total domestic deposits to total assets | 84.5724% | 3,065 |
| Equity capital to assets | 9.1444% | 5,119 |
| Core capital (leverage) ratio | 8.9757% | 4,858 |
| Tier 1 risk-based capital ratio | 11.8000% | 4,972 |
| Total risk-based capital ratio | 12.9109% | 4,958 |
| Memoranda: | ||
| Average total assets | $216,817,330 | 2,804 |
| Average earning assets | $197,706,330 | 2,847 |
| Average equity | $20,022,000 | 3,194 |
| Average total loans | $171,478,330 | 2,395 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 1,454 |
| Cost of funding earning assets | 0.3486% | 3,613 |
| Net interest margin | 4.1711% | 1,165 |
| Noninterest income to average assets | 0.7144% | 1,961 |
| Noninterest expense to average assets | 3.1194% | 2,047 |
| Loan and lease loss provision to assets | 0.0056% | 3,601 |
| Net operating income to assets | 0.9687% | 2,422 |
| Return on assets (ROA) | 0.9687% | 2,532 |
| Pretax return on assets | 1.3932% | 1,924 |
| Return on Equity (ROE) | 10.4372% | 1,802 |
| Retained earnings to average equity (ytd only) | 10.4372% | 755 |
| Net charge-offs to loans | 0.0262% | 2,418 |
| Credit loss provision to net charge-offs | 27.2727% | 2,245 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 715 |
| Efficiency ratio | 69.0397% | 3,298 |
| Assets per employee ($millions) | 3.6543% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 3,881 |
| Loan loss allowance to noncurrent loans | 152.3237% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 2,871 |
| Noncurrent loans to loans | 0.7421% | 2,980 |
| Net loans and leases to total assets | 75.8342% | 1,414 |
| Net loans and leases to deposits | 90.0355% | 1,576 |
| Net loans and leases to core deposits | 94.3275% | 1,960 |
| Total domestic deposits to total assets | 84.2269% | 3,440 |
| Equity capital to assets | 9.1813% | 5,005 |
| Core capital (leverage) ratio | 9.0799% | 4,758 |
| Tier 1 risk-based capital ratio | 12.4582% | 4,610 |
| Total risk-based capital ratio | 13.6738% | 4,534 |
| Memoranda: | ||
| Average total assets | $213,890,000 | 2,845 |
| Average earning assets | $195,058,000 | 2,873 |
| Average equity | $19,852,000 | 3,219 |
| Average total loans | $168,154,000 | 2,421 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 1,071 |
| Cost of funding earning assets | 0.3737% | 3,439 |
| Net interest margin | 4.3430% | 884 |
| Noninterest income to average assets | 0.8034% | 1,775 |
| Noninterest expense to average assets | 3.5432% | 1,228 |
| Loan and lease loss provision to assets | 0.1882% | 1,186 |
| Net operating income to assets | 0.7504% | 3,567 |
| Return on assets (ROA) | 0.7504% | 3,662 |
| Pretax return on assets | 1.0100% | 3,430 |
| Return on Equity (ROE) | 7.7685% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.0765% | 3,100 |
| Net charge-offs to loans | 0.0583% | 3,051 |
| Credit loss provision to net charge-offs | 408.6022% | 746 |
| Earnings coverage of net charge-offs (x) | 26.0108% | 1,605 |
| Efficiency ratio | 74.7284% | 2,473 |
| Assets per employee ($millions) | 3.2581% | 5,213 |
| Cash dividends to net income (ytd only)* | 47.5248% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,833 |
| Loan loss allowance to noncurrent loans | 133.0314% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9716% | 2,252 |
| Noncurrent loans to loans | 0.8535% | 2,647 |
| Net loans and leases to total assets | 79.7161% | 877 |
| Net loans and leases to deposits | 95.2781% | 1,089 |
| Net loans and leases to core deposits | 100.0879% | 1,490 |
| Total domestic deposits to total assets | 83.6668% | 3,608 |
| Equity capital to assets | 9.3866% | 4,691 |
| Core capital (leverage) ratio | 9.1689% | 4,663 |
| Tier 1 risk-based capital ratio | 12.2540% | 4,791 |
| Total risk-based capital ratio | 13.4876% | 4,700 |
| Memoranda: | ||
| Average total assets | $201,881,600 | 2,930 |
| Average earning assets | $183,052,800 | 2,963 |
| Average equity | $19,501,800 | 3,220 |
| Average total loans | $159,581,600 | 2,479 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7071% | 1,086 |
| Cost of funding earning assets | 0.3772% | 3,471 |
| Net interest margin | 4.3299% | 906 |
| Noninterest income to average assets | 0.8164% | 1,744 |
| Noninterest expense to average assets | 3.2070% | 1,951 |
| Loan and lease loss provision to assets | 0.4515% | 239 |
| Net operating income to assets | 0.7605% | 3,631 |
| Return on assets (ROA) | 0.7605% | 3,727 |
| Pretax return on assets | 1.0788% | 3,309 |
| Return on Equity (ROE) | 7.8148% | 3,182 |
| Retained earnings to average equity (ytd only) | 5.3513% | 2,680 |
| Net charge-offs to loans | 0.0601% | 2,740 |
| Credit loss provision to net charge-offs | 954.9296% | 385 |
| Earnings coverage of net charge-offs (x) | 32.3676% | 1,420 |
| Efficiency ratio | 67.6975% | 3,601 |
| Assets per employee ($millions) | 3.4644% | 4,862 |
| Cash dividends to net income (ytd only)* | 31.5237% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 2,839 |
| Loan loss allowance to noncurrent loans | 130.6565% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.2412% | 1,893 |
| Noncurrent loans to loans | 1.0344% | 2,404 |
| Net loans and leases to total assets | 78.2743% | 1,059 |
| Net loans and leases to deposits | 93.7764% | 1,226 |
| Net loans and leases to core deposits | 98.5541% | 1,646 |
| Total domestic deposits to total assets | 83.4690% | 3,621 |
| Equity capital to assets | 9.5630% | 4,676 |
| Core capital (leverage) ratio | 9.4196% | 4,402 |
| Tier 1 risk-based capital ratio | 12.8852% | 4,497 |
| Total risk-based capital ratio | 14.1383% | 4,418 |
| Memoranda: | ||
| Average total assets | $200,222,000 | 2,965 |
| Average earning assets | $181,308,500 | 3,006 |
| Average equity | $19,484,000 | 3,252 |
| Average total loans | $157,443,750 | 2,512 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 1,047 |
| Cost of funding earning assets | 0.3818% | 3,462 |
| Net interest margin | 4.3305% | 864 |
| Noninterest income to average assets | 0.8064% | 1,751 |
| Noninterest expense to average assets | 3.1719% | 2,060 |
| Loan and lease loss provision to assets | 0.4563% | 233 |
| Net operating income to assets | 0.7447% | 3,664 |
| Return on assets (ROA) | 0.7447% | 3,759 |
| Pretax return on assets | 1.0796% | 3,260 |
| Return on Equity (ROE) | 7.6062% | 3,259 |
| Retained earnings to average equity (ytd only) | 3.8858% | 3,529 |
| Net charge-offs to loans | 0.0581% | 2,565 |
| Credit loss provision to net charge-offs | 1,002.2222% | 347 |
| Earnings coverage of net charge-offs (x) | 33.7333% | 1,260 |
| Efficiency ratio | 67.3759% | 3,775 |
| Assets per employee ($millions) | 3.2478% | 5,256 |
| Cash dividends to net income (ytd only)* | 48.9130% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 3,398 |
| Loan loss allowance to noncurrent loans | 105.7903% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 1,739 |
| Noncurrent loans to loans | 1.2004% | 2,258 |
| Net loans and leases to total assets | 79.5824% | 859 |
| Net loans and leases to deposits | 96.8239% | 883 |
| Net loans and leases to core deposits | 101.8758% | 1,337 |
| Total domestic deposits to total assets | 82.1929% | 4,231 |
| Equity capital to assets | 9.7997% | 4,279 |
| Core capital (leverage) ratio | 9.4419% | 4,352 |
| Tier 1 risk-based capital ratio | 13.0536% | 4,490 |
| Total risk-based capital ratio | 14.3053% | 4,401 |
| Memoranda: | ||
| Average total assets | $197,674,670 | 3,015 |
| Average earning assets | $178,086,670 | 3,068 |
| Average equity | $19,352,670 | 3,283 |
| Average total loans | $154,947,330 | 2,554 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,128 |
| Cost of funding earning assets | 0.3827% | 3,501 |
| Net interest margin | 4.2634% | 955 |
| Noninterest income to average assets | 0.7354% | 1,989 |
| Noninterest expense to average assets | 3.0326% | 2,477 |
| Loan and lease loss provision to assets | 0.4558% | 236 |
| Net operating income to assets | 0.7658% | 3,448 |
| Return on assets (ROA) | 0.7658% | 3,584 |
| Pretax return on assets | 1.0838% | 3,141 |
| Return on Equity (ROE) | 7.8255% | 3,056 |
| Retained earnings to average equity (ytd only) | 7.8255% | 1,638 |
| Net charge-offs to loans | 0.0760% | 1,945 |
| Credit loss provision to net charge-offs | 775.8621% | 398 |
| Earnings coverage of net charge-offs (x) | 26.2069% | 1,246 |
| Efficiency ratio | 66.3270% | 4,091 |
| Assets per employee ($millions) | 3.4326% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 4,049 |
| Loan loss allowance to noncurrent loans | 78.5992% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.6411% | 1,547 |
| Noncurrent loans to loans | 1.5116% | 1,866 |
| Net loans and leases to total assets | 73.4106% | 1,582 |
| Net loans and leases to deposits | 88.0920% | 1,601 |
| Net loans and leases to core deposits | 93.0362% | 1,849 |
| Total domestic deposits to total assets | 83.3340% | 4,069 |
| Equity capital to assets | 9.4835% | 4,767 |
| Core capital (leverage) ratio | 9.4911% | 4,290 |
| Tier 1 risk-based capital ratio | 13.5965% | 4,278 |
| Total risk-based capital ratio | 14.8468% | 4,189 |
| Memoranda: | ||
| Average total assets | $197,453,000 | 3,040 |
| Average earning assets | $177,697,500 | 3,088 |
| Average equity | $19,321,500 | 3,310 |
| Average total loans | $152,573,500 | 2,590 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 927 |
| Cost of funding earning assets | 0.4291% | 3,392 |
| Net interest margin | 4.4705% | 789 |
| Noninterest income to average assets | 0.8033% | 1,861 |
| Noninterest expense to average assets | 3.4976% | 1,486 |
| Loan and lease loss provision to assets | 0.3122% | 651 |
| Net operating income to assets | 0.7305% | 3,733 |
| Return on assets (ROA) | 0.7305% | 3,845 |
| Pretax return on assets | 1.0039% | 3,478 |
| Return on Equity (ROE) | 7.2574% | 3,485 |
| Retained earnings to average equity (ytd only) | 3.4599% | 3,746 |
| Net charge-offs to loans | 0.5530% | 737 |
| Credit loss provision to net charge-offs | 72.0588% | 3,020 |
| Earnings coverage of net charge-offs (x) | 3.0380% | 3,996 |
| Efficiency ratio | 72.6591% | 3,095 |
| Assets per employee ($millions) | 3.2026% | 5,429 |
| Cash dividends to net income (ytd only)* | 52.3256% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 4,725 |
| Loan loss allowance to noncurrent loans | 58.2615% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 2.0317% | 1,249 |
| Noncurrent loans to loans | 1.8299% | 1,561 |
| Net loans and leases to total assets | 79.6584% | 783 |
| Net loans and leases to deposits | 98.2391% | 741 |
| Net loans and leases to core deposits | 104.4445% | 1,103 |
| Total domestic deposits to total assets | 81.0863% | 4,723 |
| Equity capital to assets | 10.1142% | 3,970 |
| Core capital (leverage) ratio | 9.7796% | 3,862 |
| Tier 1 risk-based capital ratio | 13.6207% | 4,341 |
| Total risk-based capital ratio | 14.8162% | 4,306 |
| Memoranda: | ||
| Average total assets | $188,358,200 | 3,121 |
| Average earning assets | $168,975,000 | 3,170 |
| Average equity | $18,960,000 | 3,290 |
| Average total loans | $147,549,200 | 2,607 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 933 |
| Cost of funding earning assets | 0.4378% | 3,389 |
| Net interest margin | 4.4600% | 803 |
| Noninterest income to average assets | 0.8529% | 1,686 |
| Noninterest expense to average assets | 3.3338% | 1,834 |
| Loan and lease loss provision to assets | 0.2005% | 1,184 |
| Net operating income to assets | 0.9018% | 2,907 |
| Return on assets (ROA) | 0.9018% | 3,000 |
| Pretax return on assets | 1.3099% | 2,338 |
| Return on Equity (ROE) | 8.9698% | 2,700 |
| Retained earnings to average equity (ytd only) | 6.4332% | 2,149 |
| Net charge-offs to loans | 0.3370% | 1,191 |
| Credit loss provision to net charge-offs | 76.4865% | 2,660 |
| Earnings coverage of net charge-offs (x) | 5.7622% | 3,201 |
| Efficiency ratio | 68.8213% | 3,705 |
| Assets per employee ($millions) | 3.1999% | 5,433 |
| Cash dividends to net income (ytd only)* | 28.2798% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 4,354 |
| Loan loss allowance to noncurrent loans | 67.1875% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.9917% | 1,449 |
| Noncurrent loans to loans | 1.7503% | 1,853 |
| Net loans and leases to total assets | 77.1641% | 1,072 |
| Net loans and leases to deposits | 93.5847% | 1,075 |
| Net loans and leases to core deposits | 99.4609% | 1,419 |
| Total domestic deposits to total assets | 82.4538% | 4,316 |
| Equity capital to assets | 10.0929% | 4,059 |
| Core capital (leverage) ratio | 9.7604% | 3,981 |
| Tier 1 risk-based capital ratio | 14.0499% | 4,171 |
| Total risk-based capital ratio | 15.3007% | 4,119 |
| Memoranda: | ||
| Average total assets | $188,209,500 | 3,149 |
| Average earning assets | $168,426,750 | 3,205 |
| Average equity | $18,922,250 | 3,314 |
| Average total loans | $146,401,750 | 2,638 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 879 |
| Cost of funding earning assets | 0.4465% | 3,369 |
| Net interest margin | 4.4730% | 745 |
| Noninterest income to average assets | 0.8505% | 1,658 |
| Noninterest expense to average assets | 3.3079% | 1,905 |
| Loan and lease loss provision to assets | 0.1391% | 1,780 |
| Net operating income to assets | 0.9618% | 2,498 |
| Return on assets (ROA) | 0.9618% | 2,589 |
| Pretax return on assets | 1.4015% | 1,885 |
| Return on Equity (ROE) | 9.5789% | 2,337 |
| Retained earnings to average equity (ytd only) | 5.7431% | 2,487 |
| Net charge-offs to loans | 0.1983% | 1,840 |
| Credit loss provision to net charge-offs | 90.2778% | 2,174 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,288 |
| Efficiency ratio | 68.2259% | 3,964 |
| Assets per employee ($millions) | 3.3807% | 5,099 |
| Cash dividends to net income (ytd only)* | 40.0445% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 4,064 |
| Loan loss allowance to noncurrent loans | 61.5901% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.3680% | 1,232 |
| Noncurrent loans to loans | 2.0500% | 1,639 |
| Net loans and leases to total assets | 77.2176% | 1,024 |
| Net loans and leases to deposits | 95.2026% | 866 |
| Net loans and leases to core deposits | 102.1653% | 1,124 |
| Total domestic deposits to total assets | 81.1087% | 4,946 |
| Equity capital to assets | 10.2271% | 3,792 |
| Core capital (leverage) ratio | 9.9422% | 3,692 |
| Tier 1 risk-based capital ratio | 14.1410% | 4,160 |
| Total risk-based capital ratio | 15.3925% | 4,100 |
| Memoranda: | ||
| Average total assets | $186,947,330 | 3,182 |
| Average earning assets | $167,090,000 | 3,234 |
| Average equity | $18,770,330 | 3,317 |
| Average total loans | $145,230,670 | 2,651 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8845% | 893 |
| Cost of funding earning assets | 0.4445% | 3,488 |
| Net interest margin | 4.4400% | 739 |
| Noninterest income to average assets | 0.7831% | 1,827 |
| Noninterest expense to average assets | 3.2627% | 2,035 |
| Loan and lease loss provision to assets | 0.0128% | 3,660 |
| Net operating income to assets | 1.0093% | 2,178 |
| Return on assets (ROA) | 1.0093% | 2,244 |
| Pretax return on assets | 1.4724% | 1,510 |
| Return on Equity (ROE) | 10.1461% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.1461% | 927 |
| Net charge-offs to loans | 0.3169% | 1,118 |
| Credit loss provision to net charge-offs | 5.2174% | 2,648 |
| Earnings coverage of net charge-offs (x) | 6.0522% | 2,287 |
| Efficiency ratio | 68.7191% | 4,059 |
| Assets per employee ($millions) | 3.3807% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 4,635 |
| Loan loss allowance to noncurrent loans | 70.0322% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.0600% | 1,642 |
| Noncurrent loans to loans | 1.7138% | 2,263 |
| Net loans and leases to total assets | 75.6988% | 1,039 |
| Net loans and leases to deposits | 91.7297% | 980 |
| Net loans and leases to core deposits | 98.1065% | 1,230 |
| Total domestic deposits to total assets | 82.5238% | 4,778 |
| Equity capital to assets | 9.9857% | 3,859 |
| Core capital (leverage) ratio | 9.5572% | 4,198 |
| Tier 1 risk-based capital ratio | 14.0583% | 4,294 |
| Total risk-based capital ratio | 15.3092% | 4,228 |
| Memoranda: | ||
| Average total assets | $187,452,500 | 3,198 |
| Average earning assets | $167,386,500 | 3,251 |
| Average equity | $18,647,500 | 3,330 |
| Average total loans | $145,140,000 | 2,656 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9784% | 950 |
| Cost of funding earning assets | 0.5075% | 3,531 |
| Net interest margin | 4.4709% | 788 |
| Noninterest income to average assets | 0.8901% | 1,716 |
| Noninterest expense to average assets | 3.3132% | 2,110 |
| Loan and lease loss provision to assets | 0.4493% | 642 |
| Net operating income to assets | 0.8063% | 3,263 |
| Return on assets (ROA) | 0.8063% | 3,360 |
| Pretax return on assets | 1.1046% | 2,933 |
| Return on Equity (ROE) | 8.3262% | 2,873 |
| Retained earnings to average equity (ytd only) | 4.5791% | 2,902 |
| Net charge-offs to loans | 0.6389% | 1,017 |
| Credit loss provision to net charge-offs | 93.0387% | 2,675 |
| Earnings coverage of net charge-offs (x) | 3.2177% | 3,923 |
| Efficiency ratio | 68.0737% | 4,186 |
| Assets per employee ($millions) | 3.3140% | 5,257 |
| Cash dividends to net income (ytd only)* | 45.0033% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 4,275 |
| Loan loss allowance to noncurrent loans | 63.2695% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.3962% | 1,449 |
| Noncurrent loans to loans | 2.0134% | 1,978 |
| Net loans and leases to total assets | 77.2562% | 922 |
| Net loans and leases to deposits | 94.8066% | 815 |
| Net loans and leases to core deposits | 102.2814% | 1,004 |
| Total domestic deposits to total assets | 81.4883% | 5,042 |
| Equity capital to assets | 9.9092% | 3,887 |
| Core capital (leverage) ratio | 9.5870% | 4,130 |
| Tier 1 risk-based capital ratio | 13.7386% | 4,492 |
| Total risk-based capital ratio | 14.9896% | 4,434 |
| Memoranda: | ||
| Average total assets | $187,402,000 | 3,196 |
| Average earning assets | $166,698,800 | 3,260 |
| Average equity | $18,147,600 | 3,395 |
| Average total loans | $141,660,400 | 2,672 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9523% | 1,026 |
| Cost of funding earning assets | 0.5224% | 3,543 |
| Net interest margin | 4.4299% | 842 |
| Noninterest income to average assets | 0.9156% | 1,703 |
| Noninterest expense to average assets | 3.1470% | 2,512 |
| Loan and lease loss provision to assets | 0.5933% | 412 |
| Net operating income to assets | 0.7687% | 3,513 |
| Return on assets (ROA) | 0.7687% | 3,641 |
| Pretax return on assets | 1.1115% | 3,063 |
| Return on Equity (ROE) | 7.9834% | 3,129 |
| Retained earnings to average equity (ytd only) | 5.6245% | 2,647 |
| Net charge-offs to loans | 0.7331% | 812 |
| Credit loss provision to net charge-offs | 108.0103% | 2,172 |
| Earnings coverage of net charge-offs (x) | 3.1034% | 3,802 |
| Efficiency ratio | 64.8625% | 4,670 |
| Assets per employee ($millions) | 3.5293% | 4,795 |
| Cash dividends to net income (ytd only)* | 29.5479% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 3,994 |
| Loan loss allowance to noncurrent loans | 56.9657% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 2.8067% | 1,328 |
| Noncurrent loans to loans | 2.4189% | 1,810 |
| Net loans and leases to total assets | 74.1695% | 1,269 |
| Net loans and leases to deposits | 88.1775% | 1,348 |
| Net loans and leases to core deposits | 94.6943% | 1,504 |
| Total domestic deposits to total assets | 84.1138% | 4,143 |
| Equity capital to assets | 9.6264% | 4,385 |
| Core capital (leverage) ratio | 9.4837% | 4,434 |
| Tier 1 risk-based capital ratio | 13.8091% | 4,567 |
| Total risk-based capital ratio | 15.0628% | 4,516 |
| Memoranda: | ||
| Average total assets | $187,856,250 | 3,215 |
| Average earning assets | $166,922,000 | 3,287 |
| Average equity | $18,087,000 | 3,444 |
| Average total loans | $140,769,000 | 2,696 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8953% | 1,113 |
| Cost of funding earning assets | 0.5408% | 3,494 |
| Net interest margin | 4.3544% | 929 |
| Noninterest income to average assets | 0.9382% | 1,695 |
| Noninterest expense to average assets | 3.1902% | 2,378 |
| Loan and lease loss provision to assets | 0.6472% | 383 |
| Net operating income to assets | 0.6793% | 3,910 |
| Return on assets (ROA) | 0.6793% | 4,072 |
| Pretax return on assets | 0.9767% | 3,616 |
| Return on Equity (ROE) | 7.0553% | 3,568 |
| Retained earnings to average equity (ytd only) | 3.4999% | 4,089 |
| Net charge-offs to loans | 1.0764% | 562 |
| Credit loss provision to net charge-offs | 80.3453% | 2,616 |
| Earnings coverage of net charge-offs (x) | 2.0159% | 3,844 |
| Efficiency ratio | 66.2667% | 4,503 |
| Assets per employee ($millions) | 3.2340% | 5,403 |
| Cash dividends to net income (ytd only)* | 50.3937% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 4,741 |
| Loan loss allowance to noncurrent loans | 50.7184% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 3.0666% | 1,320 |
| Noncurrent loans to loans | 2.4603% | 1,896 |
| Net loans and leases to total assets | 75.7725% | 1,007 |
| Net loans and leases to deposits | 92.1019% | 951 |
| Net loans and leases to core deposits | 99.8299% | 1,088 |
| Total domestic deposits to total assets | 82.2703% | 4,953 |
| Equity capital to assets | 9.7548% | 4,237 |
| Core capital (leverage) ratio | 9.2670% | 4,600 |
| Tier 1 risk-based capital ratio | 13.6715% | 4,659 |
| Total risk-based capital ratio | 14.9235% | 4,618 |
| Memoranda: | ||
| Average total assets | $186,948,000 | 3,246 |
| Average earning assets | $166,405,670 | 3,309 |
| Average equity | $18,000,670 | 3,485 |
| Average total loans | $139,916,000 | 2,718 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 1,294 |
| Cost of funding earning assets | 0.5446% | 3,625 |
| Net interest margin | 4.2525% | 1,065 |
| Noninterest income to average assets | 0.8266% | 2,013 |
| Noninterest expense to average assets | 3.3211% | 2,034 |
| Loan and lease loss provision to assets | 0.6417% | 383 |
| Net operating income to assets | 0.4738% | 4,803 |
| Return on assets (ROA) | 0.4738% | 4,970 |
| Pretax return on assets | 0.6629% | 4,736 |
| Return on Equity (ROE) | 4.9528% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.9528% | 3,264 |
| Net charge-offs to loans | 1.5408% | 348 |
| Credit loss provision to net charge-offs | 56.3433% | 2,500 |
| Earnings coverage of net charge-offs (x) | 1.1455% | 3,449 |
| Efficiency ratio | 71.7960% | 3,654 |
| Assets per employee ($millions) | 3.5351% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 5,121 |
| Loan loss allowance to noncurrent loans | 39.1832% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 3.4187% | 1,260 |
| Noncurrent loans to loans | 3.0944% | 1,609 |
| Net loans and leases to total assets | 70.3586% | 1,606 |
| Net loans and leases to deposits | 84.7373% | 1,504 |
| Net loans and leases to core deposits | 91.1714% | 1,592 |
| Total domestic deposits to total assets | 83.0315% | 4,842 |
| Equity capital to assets | 9.3159% | 5,110 |
| Core capital (leverage) ratio | 9.1340% | 4,664 |
| Tier 1 risk-based capital ratio | 13.7791% | 4,667 |
| Total risk-based capital ratio | 15.0303% | 4,632 |
| Memoranda: | ||
| Average total assets | $188,252,000 | 3,244 |
| Average earning assets | $168,184,000 | 3,307 |
| Average equity | $18,010,000 | 3,523 |
| Average total loans | $139,152,000 | 2,741 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3137% | 903 |
| Cost of funding earning assets | 0.7140% | 3,371 |
| Net interest margin | 4.5997% | 786 |
| Noninterest income to average assets | 0.8013% | 2,257 |
| Noninterest expense to average assets | 3.4892% | 1,837 |
| Loan and lease loss provision to assets | 0.5282% | 1,098 |
| Net operating income to assets | 0.6707% | 3,878 |
| Return on assets (ROA) | 0.6707% | 4,149 |
| Pretax return on assets | 0.8976% | 3,931 |
| Return on Equity (ROE) | 6.6847% | 3,822 |
| Retained earnings to average equity (ytd only) | 2.8681% | 4,224 |
| Net charge-offs to loans | 0.4599% | 2,394 |
| Credit loss provision to net charge-offs | 150.5618% | 1,810 |
| Earnings coverage of net charge-offs (x) | 4.0642% | 3,494 |
| Efficiency ratio | 70.9899% | 3,624 |
| Assets per employee ($millions) | 3.3104% | 5,398 |
| Cash dividends to net income (ytd only)* | 57.0949% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 4,319 |
| Loan loss allowance to noncurrent loans | 46.5677% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 3.5118% | 1,288 |
| Noncurrent loans to loans | 2.9379% | 1,780 |
| Net loans and leases to total assets | 75.7460% | 956 |
| Net loans and leases to deposits | 92.4257% | 878 |
| Net loans and leases to core deposits | 99.8689% | 1,037 |
| Total domestic deposits to total assets | 81.9534% | 5,119 |
| Equity capital to assets | 9.8351% | 4,403 |
| Core capital (leverage) ratio | 9.4324% | 4,209 |
| Tier 1 risk-based capital ratio | 13.6524% | 4,639 |
| Total risk-based capital ratio | 14.9058% | 4,582 |
| Memoranda: | ||
| Average total assets | $177,576,600 | 3,341 |
| Average earning assets | $158,815,000 | 3,394 |
| Average equity | $17,816,800 | 3,500 |
| Average total loans | $135,453,200 | 2,784 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3574% | 906 |
| Cost of funding earning assets | 0.7530% | 3,327 |
| Net interest margin | 4.6044% | 813 |
| Noninterest income to average assets | 0.8047% | 2,217 |
| Noninterest expense to average assets | 3.2552% | 2,406 |
| Loan and lease loss provision to assets | 0.3975% | 1,610 |
| Net operating income to assets | 0.8765% | 3,100 |
| Return on assets (ROA) | 0.8765% | 3,342 |
| Pretax return on assets | 1.2687% | 2,716 |
| Return on Equity (ROE) | 8.6917% | 2,951 |
| Retained earnings to average equity (ytd only) | 6.2940% | 2,489 |
| Net charge-offs to loans | 0.3920% | 2,526 |
| Credit loss provision to net charge-offs | 133.1646% | 2,172 |
| Earnings coverage of net charge-offs (x) | 5.5823% | 2,983 |
| Efficiency ratio | 66.1446% | 4,421 |
| Assets per employee ($millions) | 3.3625% | 5,298 |
| Cash dividends to net income (ytd only)* | 27.5864% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 5,112 |
| Loan loss allowance to noncurrent loans | 70.0000% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.7421% | 1,927 |
| Noncurrent loans to loans | 1.7666% | 3,133 |
| Net loans and leases to total assets | 76.0498% | 968 |
| Net loans and leases to deposits | 93.0876% | 868 |
| Net loans and leases to core deposits | 99.3668% | 1,166 |
| Total domestic deposits to total assets | 81.6970% | 5,127 |
| Equity capital to assets | 10.0596% | 4,405 |
| Core capital (leverage) ratio | 9.8160% | 3,796 |
| Tier 1 risk-based capital ratio | 13.9446% | 4,571 |
| Total risk-based capital ratio | 15.1965% | 4,520 |
| Memoranda: | ||
| Average total assets | $176,452,500 | 3,404 |
| Average earning assets | $157,759,500 | 3,452 |
| Average equity | $17,794,250 | 3,531 |
| Average total loans | $134,360,000 | 2,834 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 879 |
| Cost of funding earning assets | 0.7930% | 3,246 |
| Net interest margin | 4.6003% | 830 |
| Noninterest income to average assets | 0.7932% | 2,220 |
| Noninterest expense to average assets | 3.2722% | 2,382 |
| Loan and lease loss provision to assets | 0.4292% | 1,521 |
| Net operating income to assets | 0.8344% | 3,221 |
| Return on assets (ROA) | 0.8344% | 3,486 |
| Pretax return on assets | 1.2018% | 2,919 |
| Return on Equity (ROE) | 8.2667% | 3,133 |
| Retained earnings to average equity (ytd only) | 4.6380% | 3,525 |
| Net charge-offs to loans | 0.3833% | 2,485 |
| Credit loss provision to net charge-offs | 147.6378% | 1,873 |
| Earnings coverage of net charge-offs (x) | 5.6102% | 2,796 |
| Efficiency ratio | 66.7367% | 4,375 |
| Assets per employee ($millions) | 3.1030% | 5,844 |
| Cash dividends to net income (ytd only)* | 43.8957% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 4,986 |
| Loan loss allowance to noncurrent loans | 65.2372% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 2.5960% | 2,137 |
| Noncurrent loans to loans | 1.9615% | 2,987 |
| Net loans and leases to total assets | 76.3164% | 930 |
| Net loans and leases to deposits | 92.9138% | 854 |
| Net loans and leases to core deposits | 98.5099% | 1,218 |
| Total domestic deposits to total assets | 82.1367% | 5,080 |
| Equity capital to assets | 10.2469% | 3,993 |
| Core capital (leverage) ratio | 9.6759% | 3,878 |
| Tier 1 risk-based capital ratio | 14.2931% | 4,243 |
| Total risk-based capital ratio | 15.5455% | 4,206 |
| Memoranda: | ||
| Average total assets | $174,744,330 | 3,438 |
| Average earning assets | $156,119,000 | 3,495 |
| Average equity | $17,637,000 | 3,551 |
| Average total loans | $132,540,670 | 2,880 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3717% | 959 |
| Cost of funding earning assets | 0.8070% | 3,422 |
| Net interest margin | 4.5647% | 880 |
| Noninterest income to average assets | 0.7556% | 2,370 |
| Noninterest expense to average assets | 3.1844% | 2,655 |
| Loan and lease loss provision to assets | 0.3424% | 1,827 |
| Net operating income to assets | 0.9176% | 2,838 |
| Return on assets (ROA) | 0.9176% | 3,053 |
| Pretax return on assets | 1.3217% | 2,457 |
| Return on Equity (ROE) | 9.1611% | 2,754 |
| Retained earnings to average equity (ytd only) | 9.1611% | 1,527 |
| Net charge-offs to loans | 0.6563% | 1,491 |
| Credit loss provision to net charge-offs | 69.4444% | 2,927 |
| Earnings coverage of net charge-offs (x) | 3.3750% | 2,861 |
| Efficiency ratio | 65.6780% | 4,615 |
| Assets per employee ($millions) | 3.2337% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 5,675 |
| Loan loss allowance to noncurrent loans | 67.5783% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.3646% | 2,516 |
| Noncurrent loans to loans | 1.7164% | 3,538 |
| Net loans and leases to total assets | 72.0932% | 1,386 |
| Net loans and leases to deposits | 85.3647% | 1,489 |
| Net loans and leases to core deposits | 90.3285% | 1,818 |
| Total domestic deposits to total assets | 84.4532% | 4,296 |
| Equity capital to assets | 9.8009% | 4,374 |
| Core capital (leverage) ratio | 9.5856% | 3,934 |
| Tier 1 risk-based capital ratio | 14.8674% | 3,845 |
| Total risk-based capital ratio | 16.1188% | 3,811 |
| Memoranda: | ||
| Average total assets | $175,231,500 | 3,452 |
| Average earning assets | $157,120,000 | 3,489 |
| Average equity | $17,552,500 | 3,563 |
| Average total loans | $131,644,000 | 2,916 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5293% | 1,098 |
| Cost of funding earning assets | 1.0160% | 3,263 |
| Net interest margin | 4.5133% | 1,104 |
| Noninterest income to average assets | 0.7993% | 2,066 |
| Noninterest expense to average assets | 3.5235% | 1,928 |
| Loan and lease loss provision to assets | 0.4963% | 2,123 |
| Net operating income to assets | 0.6031% | 3,987 |
| Return on assets (ROA) | 0.6103% | 4,131 |
| Pretax return on assets | 0.8017% | 3,974 |
| Return on Equity (ROE) | 6.0279% | 3,861 |
| Retained earnings to average equity (ytd only) | 2.0599% | 4,746 |
| Net charge-offs to loans | 0.9409% | 1,848 |
| Credit loss provision to net charge-offs | 70.3518% | 4,833 |
| Earnings coverage of net charge-offs (x) | 1.8266% | 4,411 |
| Efficiency ratio | 73.2228% | 3,354 |
| Assets per employee ($millions) | 2.9715% | 6,152 |
| Cash dividends to net income (ytd only)* | 65.8277% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 5,305 |
| Loan loss allowance to noncurrent loans | 70.8962% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.4690% | 2,462 |
| Noncurrent loans to loans | 1.7179% | 3,582 |
| Net loans and leases to total assets | 76.5200% | 883 |
| Net loans and leases to deposits | 91.4988% | 1,013 |
| Net loans and leases to core deposits | 97.8048% | 1,345 |
| Total domestic deposits to total assets | 83.6295% | 4,488 |
| Equity capital to assets | 10.2475% | 3,857 |
| Core capital (leverage) ratio | 9.8138% | 3,574 |
| Tier 1 risk-based capital ratio | 14.7483% | 3,796 |
| Total risk-based capital ratio | 16.0002% | 3,770 |
| Memoranda: | ||
| Average total assets | $169,264,800 | 3,502 |
| Average earning assets | $150,488,600 | 3,574 |
| Average equity | $17,137,000 | 3,557 |
| Average total loans | $126,896,200 | 3,040 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4863% | 1,281 |
| Cost of funding earning assets | 1.0517% | 3,307 |
| Net interest margin | 4.4346% | 1,306 |
| Noninterest income to average assets | 0.8028% | 2,044 |
| Noninterest expense to average assets | 3.3191% | 2,436 |
| Loan and lease loss provision to assets | 0.5318% | 1,856 |
| Net operating income to assets | 0.6358% | 3,939 |
| Return on assets (ROA) | 0.6437% | 4,086 |
| Pretax return on assets | 0.9029% | 3,752 |
| Return on Equity (ROE) | 6.3769% | 3,838 |
| Retained earnings to average equity (ytd only) | 3.8792% | 3,960 |
| Net charge-offs to loans | 0.9675% | 1,659 |
| Credit loss provision to net charge-offs | 73.9321% | 4,356 |
| Earnings coverage of net charge-offs (x) | 1.9792% | 4,168 |
| Efficiency ratio | 69.9834% | 3,960 |
| Assets per employee ($millions) | 3.0643% | 5,980 |
| Cash dividends to net income (ytd only)* | 39.1679% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 4,852 |
| Loan loss allowance to noncurrent loans | 54.5686% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 3.1515% | 2,028 |
| Noncurrent loans to loans | 2.4441% | 2,829 |
| Net loans and leases to total assets | 73.8931% | 1,338 |
| Net loans and leases to deposits | 87.1803% | 1,533 |
| Net loans and leases to core deposits | 92.7973% | 1,906 |
| Total domestic deposits to total assets | 84.7589% | 3,885 |
| Equity capital to assets | 10.2353% | 4,038 |
| Core capital (leverage) ratio | 9.8852% | 3,596 |
| Tier 1 risk-based capital ratio | 15.1748% | 3,563 |
| Total risk-based capital ratio | 16.4289% | 3,524 |
| Memoranda: | ||
| Average total assets | $169,236,500 | 3,530 |
| Average earning assets | $150,357,750 | 3,599 |
| Average equity | $17,082,000 | 3,571 |
| Average total loans | $125,818,750 | 3,083 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 1,426 |
| Cost of funding earning assets | 1.0795% | 3,396 |
| Net interest margin | 4.3660% | 1,476 |
| Noninterest income to average assets | 0.7801% | 2,113 |
| Noninterest expense to average assets | 3.3648% | 2,355 |
| Loan and lease loss provision to assets | 0.5343% | 1,822 |
| Net operating income to assets | 0.5500% | 4,311 |
| Return on assets (ROA) | 0.5509% | 4,438 |
| Pretax return on assets | 0.7575% | 4,183 |
| Return on Equity (ROE) | 5.4842% | 4,218 |
| Retained earnings to average equity (ytd only) | 1.7020% | 5,142 |
| Net charge-offs to loans | 1.1111% | 1,418 |
| Credit loss provision to net charge-offs | 64.8415% | 4,209 |
| Earnings coverage of net charge-offs (x) | 1.5663% | 4,114 |
| Efficiency ratio | 72.2775% | 3,679 |
| Assets per employee ($millions) | 3.0354% | 6,006 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,779 |
| Loan loss allowance to noncurrent loans | 43.7949% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 3.4760% | 1,897 |
| Noncurrent loans to loans | 3.1054% | 2,320 |
| Net loans and leases to total assets | 74.2047% | 1,375 |
| Net loans and leases to deposits | 87.9231% | 1,511 |
| Net loans and leases to core deposits | 93.2572% | 1,991 |
| Total domestic deposits to total assets | 84.3973% | 4,171 |
| Equity capital to assets | 10.2105% | 3,869 |
| Core capital (leverage) ratio | 9.7806% | 3,549 |
| Tier 1 risk-based capital ratio | 15.2337% | 3,380 |
| Total risk-based capital ratio | 16.4882% | 3,337 |
| Memoranda: | ||
| Average total assets | $168,448,000 | 3,566 |
| Average earning assets | $149,519,330 | 3,632 |
| Average equity | $16,921,330 | 3,586 |
| Average total loans | $124,919,670 | 3,124 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3542% | 1,711 |
| Cost of funding earning assets | 1.0740% | 3,697 |
| Net interest margin | 4.2801% | 1,623 |
| Noninterest income to average assets | 0.7801% | 2,113 |
| Noninterest expense to average assets | 3.2790% | 2,626 |
| Loan and lease loss provision to assets | 0.5319% | 1,633 |
| Net operating income to assets | 0.5674% | 4,193 |
| Return on assets (ROA) | 0.5674% | 4,266 |
| Pretax return on assets | 0.7754% | 3,986 |
| Return on Equity (ROE) | 5.6943% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.6943% | 2,801 |
| Net charge-offs to loans | 1.6310% | 822 |
| Credit loss provision to net charge-offs | 44.2913% | 3,864 |
| Earnings coverage of net charge-offs (x) | 1.0886% | 3,850 |
| Efficiency ratio | 71.4948% | 3,961 |
| Assets per employee ($millions) | 3.0619% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 4,920 |
| Loan loss allowance to noncurrent loans | 54.1531% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 3.0187% | 2,289 |
| Noncurrent loans to loans | 2.4829% | 3,009 |
| Net loans and leases to total assets | 71.4200% | 1,834 |
| Net loans and leases to deposits | 83.1354% | 2,164 |
| Net loans and leases to core deposits | 88.1763% | 2,574 |
| Total domestic deposits to total assets | 85.9080% | 3,577 |
| Equity capital to assets | 9.9104% | 3,888 |
| Core capital (leverage) ratio | 9.6439% | 3,601 |
| Tier 1 risk-based capital ratio | 15.1457% | 3,346 |
| Total risk-based capital ratio | 16.3994% | 3,307 |
| Memoranda: | ||
| Average total assets | $169,199,500 | 3,568 |
| Average earning assets | $150,462,500 | 3,630 |
| Average equity | $16,859,000 | 3,582 |
| Average total loans | $124,585,000 | 3,166 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9707% | 904 |
| Cost of funding earning assets | 1.4358% | 3,044 |
| Net interest margin | 4.5349% | 1,164 |
| Noninterest income to average assets | 0.8148% | 2,203 |
| Noninterest expense to average assets | 3.3629% | 2,548 |
| Loan and lease loss provision to assets | 0.7331% | 2,239 |
| Net operating income to assets | 0.5746% | 3,778 |
| Return on assets (ROA) | 0.6060% | 3,810 |
| Pretax return on assets | 0.8185% | 3,575 |
| Return on Equity (ROE) | 5.9505% | 3,629 |
| Retained earnings to average equity (ytd only) | 1.9082% | 4,525 |
| Net charge-offs to loans | 0.8221% | 2,581 |
| Credit loss provision to net charge-offs | 116.2188% | 3,702 |
| Earnings coverage of net charge-offs (x) | 2.3925% | 3,939 |
| Efficiency ratio | 69.0234% | 4,373 |
| Assets per employee ($millions) | 2.8782% | 6,385 |
| Cash dividends to net income (ytd only)* | 67.9321% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 3,736 |
| Loan loss allowance to noncurrent loans | 61.9683% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.9479% | 2,386 |
| Noncurrent loans to loans | 2.5192% | 3,010 |
| Net loans and leases to total assets | 73.7350% | 1,713 |
| Net loans and leases to deposits | 87.4062% | 1,879 |
| Net loans and leases to core deposits | 93.3638% | 2,334 |
| Total domestic deposits to total assets | 84.3590% | 4,196 |
| Equity capital to assets | 10.0190% | 3,723 |
| Core capital (leverage) ratio | 9.8486% | 3,264 |
| Tier 1 risk-based capital ratio | 15.1312% | 3,180 |
| Total risk-based capital ratio | 16.3883% | 3,122 |
| Memoranda: | ||
| Average total assets | $165,186,800 | 3,613 |
| Average earning assets | $147,787,200 | 3,667 |
| Average equity | $16,822,200 | 3,624 |
| Average total loans | $126,746,400 | 3,187 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9553% | 1,022 |
| Cost of funding earning assets | 1.5132% | 2,895 |
| Net interest margin | 4.4421% | 1,391 |
| Noninterest income to average assets | 0.8190% | 2,133 |
| Noninterest expense to average assets | 3.2096% | 2,894 |
| Loan and lease loss provision to assets | 0.6677% | 2,294 |
| Net operating income to assets | 0.6609% | 3,597 |
| Return on assets (ROA) | 0.7016% | 3,561 |
| Pretax return on assets | 0.9800% | 3,255 |
| Return on Equity (ROE) | 6.8618% | 3,413 |
| Retained earnings to average equity (ytd only) | 4.3292% | 3,452 |
| Net charge-offs to loans | 0.6322% | 2,851 |
| Credit loss provision to net charge-offs | 136.8159% | 2,920 |
| Earnings coverage of net charge-offs (x) | 3.2604% | 3,516 |
| Efficiency ratio | 66.8577% | 4,685 |
| Assets per employee ($millions) | 2.8141% | 6,557 |
| Cash dividends to net income (ytd only)* | 36.9093% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 3,584 |
| Loan loss allowance to noncurrent loans | 53.3245% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 3.1199% | 2,317 |
| Noncurrent loans to loans | 2.9742% | 2,684 |
| Net loans and leases to total assets | 74.9359% | 1,596 |
| Net loans and leases to deposits | 87.6552% | 2,054 |
| Net loans and leases to core deposits | 93.9968% | 2,527 |
| Total domestic deposits to total assets | 85.4894% | 3,351 |
| Equity capital to assets | 10.3439% | 3,709 |
| Core capital (leverage) ratio | 9.8949% | 3,363 |
| Tier 1 risk-based capital ratio | 15.4591% | 3,018 |
| Total risk-based capital ratio | 16.7172% | 2,985 |
| Memoranda: | ||
| Average total assets | $164,750,250 | 3,672 |
| Average earning assets | $147,675,500 | 3,724 |
| Average equity | $16,846,500 | 3,669 |
| Average total loans | $127,173,000 | 3,225 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9656% | 1,028 |
| Cost of funding earning assets | 1.5540% | 2,939 |
| Net interest margin | 4.4116% | 1,416 |
| Noninterest income to average assets | 0.7814% | 2,225 |
| Noninterest expense to average assets | 3.1158% | 3,240 |
| Loan and lease loss provision to assets | 0.6390% | 2,248 |
| Net operating income to assets | 0.7099% | 3,360 |
| Return on assets (ROA) | 0.7704% | 3,258 |
| Pretax return on assets | 1.0784% | 2,853 |
| Return on Equity (ROE) | 7.5639% | 3,084 |
| Retained earnings to average equity (ytd only) | 3.7401% | 3,720 |
| Net charge-offs to loans | 0.5038% | 3,019 |
| Credit loss provision to net charge-offs | 163.5514% | 2,412 |
| Earnings coverage of net charge-offs (x) | 4.1776% | 3,029 |
| Efficiency ratio | 65.6242% | 5,048 |
| Assets per employee ($millions) | 2.9463% | 6,258 |
| Cash dividends to net income (ytd only)* | 50.5529% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 3,595 |
| Loan loss allowance to noncurrent loans | 60.5608% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.9413% | 2,440 |
| Noncurrent loans to loans | 2.5879% | 3,048 |
| Net loans and leases to total assets | 75.6367% | 1,560 |
| Net loans and leases to deposits | 90.0553% | 1,843 |
| Net loans and leases to core deposits | 96.6467% | 2,371 |
| Total domestic deposits to total assets | 83.9891% | 4,111 |
| Equity capital to assets | 10.1731% | 3,807 |
| Core capital (leverage) ratio | 9.7977% | 3,408 |
| Tier 1 risk-based capital ratio | 15.3432% | 2,981 |
| Total risk-based capital ratio | 16.6015% | 2,943 |
| Memoranda: | ||
| Average total assets | $164,323,670 | 3,702 |
| Average earning assets | $147,747,670 | 3,748 |
| Average equity | $16,737,330 | 3,676 |
| Average total loans | $127,423,670 | 3,248 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9470% | 1,086 |
| Cost of funding earning assets | 1.5608% | 3,202 |
| Net interest margin | 4.3863% | 1,428 |
| Noninterest income to average assets | 0.7366% | 2,374 |
| Noninterest expense to average assets | 2.9831% | 3,737 |
| Loan and lease loss provision to assets | 0.5488% | 2,307 |
| Net operating income to assets | 0.8349% | 2,817 |
| Return on assets (ROA) | 0.9562% | 2,407 |
| Pretax return on assets | 1.3513% | 1,899 |
| Return on Equity (ROE) | 9.3816% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.3816% | 1,298 |
| Net charge-offs to loans | 0.1910% | 3,776 |
| Credit loss provision to net charge-offs | 368.8525% | 1,106 |
| Earnings coverage of net charge-offs (x) | 11.6230% | 1,635 |
| Efficiency ratio | 63.3023% | 5,612 |
| Assets per employee ($millions) | 3.0225% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 3,812 |
| Loan loss allowance to noncurrent loans | 51.6857% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 3.0252% | 2,369 |
| Noncurrent loans to loans | 2.9407% | 2,736 |
| Net loans and leases to total assets | 75.8853% | 1,568 |
| Net loans and leases to deposits | 90.7594% | 1,790 |
| Net loans and leases to core deposits | 98.9722% | 2,239 |
| Total domestic deposits to total assets | 83.6115% | 4,336 |
| Equity capital to assets | 10.1384% | 3,686 |
| Core capital (leverage) ratio | 9.7813% | 3,418 |
| Tier 1 risk-based capital ratio | 15.4019% | 2,917 |
| Total risk-based capital ratio | 16.6597% | 2,864 |
| Memoranda: | ||
| Average total assets | $163,988,500 | 3,767 |
| Average earning assets | $148,645,500 | 3,783 |
| Average equity | $16,713,500 | 3,715 |
| Average total loans | $127,744,000 | 3,309 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3193% | 987 |
| Cost of funding earning assets | 1.8609% | 3,671 |
| Net interest margin | 4.4584% | 1,274 |
| Noninterest income to average assets | 0.7362% | 2,757 |
| Noninterest expense to average assets | 3.3676% | 2,783 |
| Loan and lease loss provision to assets | 0.5162% | 3,793 |
| Net operating income to assets | 0.6748% | 3,036 |
| Return on assets (ROA) | 0.6766% | 3,082 |
| Pretax return on assets | 0.9242% | 2,850 |
| Return on Equity (ROE) | 6.7283% | 2,900 |
| Retained earnings to average equity (ytd only) | 2.5728% | 3,345 |
| Net charge-offs to loans | 0.5465% | 3,600 |
| Credit loss provision to net charge-offs | 120.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | 3.3429% | 3,387 |
| Efficiency ratio | 70.0767% | 4,609 |
| Assets per employee ($millions) | 2.9407% | 6,364 |
| Cash dividends to net income (ytd only)* | 61.7620% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,240 |
| Loan loss allowance to noncurrent loans | 50.2254% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.0240% | 2,311 |
| Noncurrent loans to loans | 2.7867% | 2,772 |
| Net loans and leases to total assets | 77.6608% | 1,454 |
| Net loans and leases to deposits | 93.1886% | 1,712 |
| Net loans and leases to core deposits | 109.7004% | 2,927 |
| Total domestic deposits to total assets | 83.3372% | 4,369 |
| Equity capital to assets | 10.2468% | 3,464 |
| Core capital (leverage) ratio | 9.8053% | 3,318 |
| Tier 1 risk-based capital ratio | 15.0419% | 2,914 |
| Total risk-based capital ratio | 16.2970% | 2,867 |
| Memoranda: | ||
| Average total assets | $162,728,400 | 3,716 |
| Average earning assets | $148,528,800 | 3,741 |
| Average equity | $16,363,800 | 3,810 |
| Average total loans | $128,089,400 | 3,307 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3283% | 1,075 |
| Cost of funding earning assets | 1.9226% | 3,762 |
| Net interest margin | 4.4057% | 1,428 |
| Noninterest income to average assets | 0.7616% | 2,639 |
| Noninterest expense to average assets | 3.2118% | 3,262 |
| Loan and lease loss provision to assets | 0.5154% | 3,327 |
| Net operating income to assets | 0.7756% | 2,914 |
| Return on assets (ROA) | 0.7780% | 2,963 |
| Pretax return on assets | 1.0627% | 2,699 |
| Return on Equity (ROE) | 7.7735% | 2,739 |
| Retained earnings to average equity (ytd only) | 5.1578% | 2,399 |
| Net charge-offs to loans | 0.5052% | 3,205 |
| Credit loss provision to net charge-offs | 129.6296% | 3,866 |
| Earnings coverage of net charge-offs (x) | 3.9609% | 3,320 |
| Efficiency ratio | 67.0996% | 5,163 |
| Assets per employee ($millions) | 2.8874% | 6,444 |
| Cash dividends to net income (ytd only)* | 33.6491% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 3,974 |
| Loan loss allowance to noncurrent loans | 47.3880% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 3.3454% | 2,013 |
| Noncurrent loans to loans | 2.9436% | 2,583 |
| Net loans and leases to total assets | 76.7520% | 1,836 |
| Net loans and leases to deposits | 92.0821% | 2,216 |
| Net loans and leases to core deposits | 108.1840% | 3,448 |
| Total domestic deposits to total assets | 83.3518% | 4,041 |
| Equity capital to assets | 10.2174% | 3,831 |
| Core capital (leverage) ratio | 9.8044% | 3,516 |
| Tier 1 risk-based capital ratio | 15.3618% | 2,888 |
| Total risk-based capital ratio | 16.6173% | 2,826 |
| Memoranda: | ||
| Average total assets | $162,976,000 | 3,744 |
| Average earning assets | $148,893,500 | 3,746 |
| Average equity | $16,311,500 | 3,851 |
| Average total loans | $128,264,250 | 3,333 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2963% | 1,215 |
| Cost of funding earning assets | 2.0184% | 3,689 |
| Net interest margin | 4.2779% | 1,710 |
| Noninterest income to average assets | 0.7806% | 2,515 |
| Noninterest expense to average assets | 3.2935% | 2,983 |
| Loan and lease loss provision to assets | 0.5171% | 2,956 |
| Net operating income to assets | 0.6587% | 3,434 |
| Return on assets (ROA) | 0.6624% | 3,526 |
| Pretax return on assets | 0.8865% | 3,385 |
| Return on Equity (ROE) | 6.6653% | 3,354 |
| Retained earnings to average equity (ytd only) | 2.7008% | 3,830 |
| Net charge-offs to loans | 0.6032% | 2,533 |
| Credit loss provision to net charge-offs | 108.5271% | 4,261 |
| Earnings coverage of net charge-offs (x) | 2.9354% | 3,631 |
| Efficiency ratio | 70.1916% | 4,738 |
| Assets per employee ($millions) | 2.7913% | 6,650 |
| Cash dividends to net income (ytd only)* | 59.4796% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 4,200 |
| Loan loss allowance to noncurrent loans | 34.6926% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 3.8945% | 1,544 |
| Noncurrent loans to loans | 3.7819% | 1,815 |
| Net loans and leases to total assets | 77.8681% | 1,776 |
| Net loans and leases to deposits | 95.8217% | 1,825 |
| Net loans and leases to core deposits | 112.6750% | 3,058 |
| Total domestic deposits to total assets | 81.2636% | 4,972 |
| Equity capital to assets | 9.9918% | 3,948 |
| Core capital (leverage) ratio | 9.5358% | 3,833 |
| Tier 1 risk-based capital ratio | 15.1417% | 2,960 |
| Total risk-based capital ratio | 16.3964% | 2,895 |
| Memoranda: | ||
| Average total assets | $162,440,670 | 3,773 |
| Average earning assets | $148,530,670 | 3,771 |
| Average equity | $16,143,330 | 3,889 |
| Average total loans | $128,316,670 | 3,369 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3744% | 1,122 |
| Cost of funding earning assets | 2.1436% | 3,445 |
| Net interest margin | 4.2308% | 1,800 |
| Noninterest income to average assets | 0.8530% | 2,066 |
| Noninterest expense to average assets | 3.1442% | 3,216 |
| Loan and lease loss provision to assets | 0.5162% | 2,404 |
| Net operating income to assets | 0.7842% | 3,193 |
| Return on assets (ROA) | 0.7842% | 3,358 |
| Pretax return on assets | 1.0694% | 3,103 |
| Return on Equity (ROE) | 7.9122% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.9122% | 1,846 |
| Net charge-offs to loans | 0.7123% | 1,762 |
| Credit loss provision to net charge-offs | 91.7031% | 3,970 |
| Earnings coverage of net charge-offs (x) | 2.8166% | 3,371 |
| Efficiency ratio | 66.4761% | 5,237 |
| Assets per employee ($millions) | 2.9348% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,244 |
| Loan loss allowance to noncurrent loans | 55.8844% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 2.7170% | 2,092 |
| Noncurrent loans to loans | 2.2801% | 2,884 |
| Net loans and leases to total assets | 75.2177% | 2,449 |
| Net loans and leases to deposits | 90.9074% | 2,791 |
| Net loans and leases to core deposits | 108.8395% | 3,579 |
| Total domestic deposits to total assets | 82.7410% | 4,271 |
| Equity capital to assets | 9.7321% | 4,330 |
| Core capital (leverage) ratio | 9.3902% | 4,119 |
| Tier 1 risk-based capital ratio | 15.2622% | 2,952 |
| Total risk-based capital ratio | 16.5167% | 2,890 |
| Memoranda: | ||
| Average total assets | $162,714,500 | 3,782 |
| Average earning assets | $149,097,000 | 3,772 |
| Average equity | $16,127,000 | 3,921 |
| Average total loans | $128,605,500 | 3,397 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7381% | 1,909 |
| Cost of funding earning assets | 2.4405% | 4,526 |
| Net interest margin | 4.2975% | 1,981 |
| Noninterest income to average assets | 0.8150% | 2,430 |
| Noninterest expense to average assets | 3.1991% | 3,339 |
| Loan and lease loss provision to assets | 0.5946% | 2,448 |
| Net operating income to assets | 0.6862% | 3,950 |
| Return on assets (ROA) | 0.6942% | 3,754 |
| Pretax return on assets | 0.9576% | 3,531 |
| Return on Equity (ROE) | 7.0181% | 3,522 |
| Retained earnings to average equity (ytd only) | 2.7380% | 3,478 |
| Net charge-offs to loans | 0.6087% | 2,015 |
| Credit loss provision to net charge-offs | 120.8861% | 4,441 |
| Earnings coverage of net charge-offs (x) | 3.1329% | 4,523 |
| Efficiency ratio | 67.2665% | 4,859 |
| Assets per employee ($millions) | 2.7267% | 6,725 |
| Cash dividends to net income (ytd only)* | 60.9865% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2662% | 4,013 |
| Loan loss allowance to noncurrent loans | 49.4135% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 2.9649% | 1,557 |
| Noncurrent loans to loans | 2.5624% | 2,119 |
| Net loans and leases to total assets | 81.0121% | 1,433 |
| Net loans and leases to deposits | 98.8939% | 1,995 |
| Net loans and leases to core deposits | 116.8617% | 3,018 |
| Total domestic deposits to total assets | 81.9182% | 4,236 |
| Equity capital to assets | 10.1007% | 3,919 |
| Core capital (leverage) ratio | 9.7348% | 3,728 |
| Tier 1 risk-based capital ratio | 14.8978% | 3,094 |
| Total risk-based capital ratio | 16.1517% | 3,010 |
| Memoranda: | ||
| Average total assets | $160,606,000 | 3,710 |
| Average earning assets | $146,688,800 | 3,712 |
| Average equity | $15,887,400 | 3,953 |
| Average total loans | $129,777,200 | 3,273 |