Home > Laona State Bank > Performance and Condition Ratios
Laona 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 | 3.6770% | 4,290 |
| Cost of funding earning assets | 1.2420% | 2,684 |
| Net interest margin | 2.4351% | 4,154 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 2.0368% | 3,539 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3530% | 3,953 |
| Return on assets (ROA) | 0.3530% | 3,949 |
| Pretax return on assets | 0.3602% | 4,021 |
| Return on Equity (ROE) | 5.6700% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.4245% | 2,432 |
| Net charge-offs to loans | -0.0089% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 82.4655% | 753 |
| Assets per employee ($millions) | 6.3378% | 2,523 |
| Cash dividends to net income (ytd only)* | 4.4039% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,355 |
| Loan loss allowance to noncurrent loans | 55.2857% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.3611% | 292 |
| Noncurrent loans to loans | 2.5516% | 191 |
| Net loans and leases to total assets | 52.5900% | 3,447 |
| Net loans and leases to deposits | 56.5465% | 3,682 |
| Net loans and leases to core deposits | 61.1870% | 3,719 |
| Total domestic deposits to total assets | 93.0000% | 174 |
| Equity capital to assets | 6.5939% | 4,083 |
| Core capital (leverage) ratio | 9.9804% | 2,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $263,752,200 | 2,604 |
| Average earning assets | $245,332,800 | 2,600 |
| Average equity | $16,407,000 | 3,148 |
| Average total loans | $134,419,000 | 2,821 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 4,330 |
| Cost of funding earning assets | 1.1046% | 2,727 |
| Net interest margin | 2.4687% | 4,172 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.9928% | 3,610 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3962% | 3,969 |
| Return on assets (ROA) | 0.3962% | 3,966 |
| Pretax return on assets | 0.4185% | 4,035 |
| Return on Equity (ROE) | 6.4700% | 3,555 |
| Retained earnings to average equity (ytd only) | 6.4677% | 2,474 |
| Net charge-offs to loans | -0.0191% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.9958% | 853 |
| Assets per employee ($millions) | 6.5676% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,115 |
| Loan loss allowance to noncurrent loans | 59.4547% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 332 |
| Noncurrent loans to loans | 2.5249% | 197 |
| Net loans and leases to total assets | 50.1000% | 3,608 |
| Net loans and leases to deposits | 53.2180% | 3,825 |
| Net loans and leases to core deposits | 57.2590% | 3,804 |
| Total domestic deposits to total assets | 94.1500% | 176 |
| Equity capital to assets | 5.4537% | 4,152 |
| Core capital (leverage) ratio | 9.9581% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $263,143,500 | 2,610 |
| Average earning assets | $244,549,750 | 2,613 |
| Average equity | $16,120,750 | 3,156 |
| Average total loans | $132,526,500 | 2,841 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5093% | 4,333 |
| Cost of funding earning assets | 0.9451% | 2,794 |
| Net interest margin | 2.5642% | 4,145 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.0115% | 3,566 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4512% | 3,913 |
| Return on assets (ROA) | 0.4512% | 3,917 |
| Pretax return on assets | 0.4945% | 3,970 |
| Return on Equity (ROE) | 7.1100% | 3,459 |
| Retained earnings to average equity (ytd only) | 7.1058% | 2,249 |
| Net charge-offs to loans | -0.0227% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.0657% | 997 |
| Assets per employee ($millions) | 5.9553% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 1,279 |
| Loan loss allowance to noncurrent loans | 61.6177% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 315 |
| Noncurrent loans to loans | 2.3855% | 200 |
| Net loans and leases to total assets | 51.6500% | 3,437 |
| Net loans and leases to deposits | 55.3351% | 3,677 |
| Net loans and leases to core deposits | 59.0505% | 3,675 |
| Total domestic deposits to total assets | 93.3300% | 204 |
| Equity capital to assets | 6.3176% | 4,060 |
| Core capital (leverage) ratio | 9.7423% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $263,290,667 | 2,616 |
| Average earning assets | $244,836,333 | 2,610 |
| Average equity | $16,718,667 | 3,129 |
| Average total loans | $132,159,000 | 2,843 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4560% | 4,318 |
| Cost of funding earning assets | 0.7522% | 2,890 |
| Net interest margin | 2.7038% | 4,069 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.9303% | 3,792 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5515% | 3,791 |
| Return on assets (ROA) | 0.5515% | 3,757 |
| Pretax return on assets | 0.6849% | 3,695 |
| Return on Equity (ROE) | 8.6600% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.6596% | 2,036 |
| Net charge-offs to loans | -0.0031% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.5341% | 1,574 |
| Assets per employee ($millions) | 6.1688% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 1,306 |
| Loan loss allowance to noncurrent loans | 66.5758% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 358 |
| Noncurrent loans to loans | 2.2377% | 228 |
| Net loans and leases to total assets | 48.7100% | 3,586 |
| Net loans and leases to deposits | 52.6475% | 3,758 |
| Net loans and leases to core deposits | 55.5664% | 3,764 |
| Total domestic deposits to total assets | 92.5200% | 392 |
| Equity capital to assets | 7.1071% | 3,779 |
| Core capital (leverage) ratio | 9.6854% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $266,906,000 | 2,636 |
| Average earning assets | $247,800,500 | 2,626 |
| Average equity | $16,998,500 | 3,128 |
| Average total loans | $131,125,500 | 2,886 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9586% | 4,179 |
| Cost of funding earning assets | 0.4075% | 2,031 |
| Net interest margin | 2.5511% | 4,231 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.8712% | 3,893 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5948% | 3,896 |
| Return on assets (ROA) | 0.5861% | 3,875 |
| Pretax return on assets | 0.7076% | 3,830 |
| Return on Equity (ROE) | 8.7900% | 3,177 |
| Retained earnings to average equity (ytd only) | 8.6097% | 1,600 |
| Net charge-offs to loans | 0.1147% | 655 |
| Credit loss provision to net charge-offs | 41.0959% | 1,857 |
| Earnings coverage of net charge-offs (x) | 13.5616% | 2,063 |
| Efficiency ratio | 70.0129% | 1,682 |
| Assets per employee ($millions) | 5.7144% | 3,018 |
| Cash dividends to net income (ytd only)* | 2.1059% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 1,576 |
| Loan loss allowance to noncurrent loans | 59.7751% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 353 |
| Noncurrent loans to loans | 2.3061% | 219 |
| Net loans and leases to total assets | 48.1400% | 3,659 |
| Net loans and leases to deposits | 51.1941% | 3,847 |
| Net loans and leases to core deposits | 53.7160% | 3,821 |
| Total domestic deposits to total assets | 94.0300% | 240 |
| Equity capital to assets | 5.6465% | 4,194 |
| Core capital (leverage) ratio | 9.4469% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $267,368,800 | 2,623 |
| Average earning assets | $251,772,600 | 2,601 |
| Average equity | $17,817,200 | 3,139 |
| Average total loans | $127,343,600 | 2,858 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7444% | 4,078 |
| Cost of funding earning assets | 0.3561% | 1,217 |
| Net interest margin | 2.3883% | 4,245 |
| Noninterest income to average assets | 0.1806% | 4,099 |
| Noninterest expense to average assets | 1.7822% | 4,005 |
| Loan and lease loss provision to assets | 0.0444% | 1,777 |
| Net operating income to assets | 0.5203% | 3,844 |
| Return on assets (ROA) | 0.5203% | 3,794 |
| Pretax return on assets | 0.6224% | 3,770 |
| Return on Equity (ROE) | 6.8999% | 3,337 |
| Retained earnings to average equity (ytd only) | 6.8999% | 2,022 |
| Net charge-offs to loans | -0.0128% | 3,687 |
| Credit loss provision to net charge-offs | -750.0000% | 3,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0487% | 1,823 |
| Assets per employee ($millions) | 6.9188% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 1,305 |
| Loan loss allowance to noncurrent loans | 46.5243% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.6640% | 196 |
| Noncurrent loans to loans | 3.3073% | 146 |
| Net loans and leases to total assets | 47.7278% | 3,572 |
| Net loans and leases to deposits | 51.0145% | 3,761 |
| Net loans and leases to core deposits | 53.5964% | 3,721 |
| Total domestic deposits to total assets | 93.5572% | 377 |
| Equity capital to assets | 6.1320% | 4,164 |
| Core capital (leverage) ratio | 9.5761% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,224,333 | 2,646 |
| Average earning assets | $256,672,000 | 2,620 |
| Average equity | $20,377,000 | 3,036 |
| Average total loans | $125,452,333 | 2,888 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7093% | 3,938 |
| Cost of funding earning assets | 0.3617% | 1,120 |
| Net interest margin | 2.3477% | 4,156 |
| Noninterest income to average assets | 0.1402% | 4,314 |
| Noninterest expense to average assets | 1.7847% | 3,972 |
| Loan and lease loss provision to assets | 0.0438% | 1,569 |
| Net operating income to assets | 0.4688% | 3,794 |
| Return on assets (ROA) | 0.4688% | 3,758 |
| Pretax return on assets | 0.5491% | 3,755 |
| Return on Equity (ROE) | 5.7055% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.7055% | 2,351 |
| Net charge-offs to loans | -0.0225% | 3,978 |
| Credit loss provision to net charge-offs | -428.5714% | 3,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3415% | 1,817 |
| Assets per employee ($millions) | 7.0489% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,422 |
| Loan loss allowance to noncurrent loans | 45.5813% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.6397% | 211 |
| Noncurrent loans to loans | 3.3813% | 137 |
| Net loans and leases to total assets | 46.0063% | 3,575 |
| Net loans and leases to deposits | 49.7535% | 3,748 |
| Net loans and leases to core deposits | 52.2582% | 3,708 |
| Total domestic deposits to total assets | 92.4684% | 412 |
| Equity capital to assets | 7.2998% | 4,049 |
| Core capital (leverage) ratio | 8.8851% | 3,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7044% | 939 |
| Memoranda: | ||
| Average total assets | $273,879,500 | 2,637 |
| Average earning assets | $261,023,500 | 2,605 |
| Average equity | $22,504,500 | 2,943 |
| Average total loans | $124,456,500 | 2,903 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9544% | 3,953 |
| Cost of funding earning assets | 0.4329% | 1,306 |
| Net interest margin | 2.5214% | 4,162 |
| Noninterest income to average assets | 0.1368% | 4,464 |
| Noninterest expense to average assets | 1.7040% | 4,292 |
| Loan and lease loss provision to assets | 0.0538% | 1,980 |
| Net operating income to assets | 0.6381% | 3,779 |
| Return on assets (ROA) | 0.6381% | 3,833 |
| Pretax return on assets | 0.7834% | 3,762 |
| Return on Equity (ROE) | 6.4787% | 3,648 |
| Retained earnings to average equity (ytd only) | 5.3196% | 2,664 |
| Net charge-offs to loans | 0.1106% | 801 |
| Credit loss provision to net charge-offs | 102.1898% | 1,770 |
| Earnings coverage of net charge-offs (x) | 15.8978% | 1,994 |
| Efficiency ratio | 65.3305% | 2,355 |
| Assets per employee ($millions) | 7.3658% | 1,686 |
| Cash dividends to net income (ytd only)* | 17.8916% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,456 |
| Loan loss allowance to noncurrent loans | 40.0805% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.7528% | 206 |
| Noncurrent loans to loans | 3.8165% | 117 |
| Net loans and leases to total assets | 43.5367% | 3,864 |
| Net loans and leases to deposits | 48.0079% | 3,997 |
| Net loans and leases to core deposits | 50.2702% | 4,004 |
| Total domestic deposits to total assets | 90.6864% | 627 |
| Equity capital to assets | 9.0946% | 3,520 |
| Core capital (leverage) ratio | 9.4545% | 2,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2765% | 723 |
| Memoranda: | ||
| Average total assets | $260,145,400 | 2,661 |
| Average earning assets | $248,073,200 | 2,627 |
| Average equity | $25,622,400 | 2,804 |
| Average total loans | $123,925,400 | 2,913 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0573% | 3,897 |
| Cost of funding earning assets | 0.4537% | 1,325 |
| Net interest margin | 2.6035% | 4,127 |
| Noninterest income to average assets | 0.1468% | 4,458 |
| Noninterest expense to average assets | 1.6796% | 4,359 |
| Loan and lease loss provision to assets | 0.0576% | 1,841 |
| Net operating income to assets | 0.7225% | 3,715 |
| Return on assets (ROA) | 0.7225% | 3,778 |
| Pretax return on assets | 0.8918% | 3,713 |
| Return on Equity (ROE) | 7.1850% | 3,621 |
| Retained earnings to average equity (ytd only) | 7.1850% | 2,348 |
| Net charge-offs to loans | 0.1452% | 564 |
| Credit loss provision to net charge-offs | 81.4815% | 1,709 |
| Earnings coverage of net charge-offs (x) | 13.4593% | 1,923 |
| Efficiency ratio | 62.1820% | 2,663 |
| Assets per employee ($millions) | 7.4334% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,678 |
| Loan loss allowance to noncurrent loans | 39.6471% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.8262% | 226 |
| Noncurrent loans to loans | 3.7560% | 148 |
| Net loans and leases to total assets | 46.1037% | 3,783 |
| Net loans and leases to deposits | 51.2367% | 3,939 |
| Net loans and leases to core deposits | 53.6022% | 3,942 |
| Total domestic deposits to total assets | 89.9818% | 781 |
| Equity capital to assets | 9.7861% | 3,118 |
| Core capital (leverage) ratio | 9.2859% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,206,250 | 2,715 |
| Average earning assets | $243,304,000 | 2,673 |
| Average equity | $25,664,000 | 2,838 |
| Average total loans | $123,968,500 | 2,954 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 3,570 |
| Cost of funding earning assets | 0.4738% | 1,361 |
| Net interest margin | 2.7731% | 3,845 |
| Noninterest income to average assets | 0.1314% | 4,547 |
| Noninterest expense to average assets | 1.6704% | 4,408 |
| Loan and lease loss provision to assets | 0.0637% | 1,764 |
| Net operating income to assets | 0.8276% | 3,430 |
| Return on assets (ROA) | 0.8276% | 3,502 |
| Pretax return on assets | 1.0363% | 3,360 |
| Return on Equity (ROE) | 8.1524% | 3,368 |
| Retained earnings to average equity (ytd only) | 8.1524% | 2,023 |
| Net charge-offs to loans | 0.1635% | 512 |
| Credit loss provision to net charge-offs | 79.2079% | 1,490 |
| Earnings coverage of net charge-offs (x) | 13.6733% | 1,690 |
| Efficiency ratio | 58.6544% | 3,197 |
| Assets per employee ($millions) | 7.2254% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,570 |
| Loan loss allowance to noncurrent loans | 51.2469% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.4778% | 393 |
| Noncurrent loans to loans | 2.9406% | 251 |
| Net loans and leases to total assets | 46.9869% | 3,824 |
| Net loans and leases to deposits | 52.3054% | 3,974 |
| Net loans and leases to core deposits | 54.7907% | 3,977 |
| Total domestic deposits to total assets | 89.8318% | 854 |
| Equity capital to assets | 9.9387% | 2,902 |
| Core capital (leverage) ratio | 9.6979% | 2,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2349% | 672 |
| Memoranda: | ||
| Average total assets | $251,074,000 | 2,737 |
| Average earning assets | $238,939,333 | 2,698 |
| Average equity | $25,489,333 | 2,842 |
| Average total loans | $123,544,667 | 2,978 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2433% | 3,602 |
| Cost of funding earning assets | 0.4956% | 1,415 |
| Net interest margin | 2.7478% | 3,871 |
| Noninterest income to average assets | 0.1233% | 4,577 |
| Noninterest expense to average assets | 1.6337% | 4,485 |
| Loan and lease loss provision to assets | 0.0811% | 1,595 |
| Net operating income to assets | 0.8128% | 3,381 |
| Return on assets (ROA) | 0.8128% | 3,454 |
| Pretax return on assets | 1.0172% | 3,322 |
| Return on Equity (ROE) | 7.9184% | 3,354 |
| Retained earnings to average equity (ytd only) | 7.9184% | 2,270 |
| Net charge-offs to loans | -0.0195% | 3,983 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0760% | 3,289 |
| Assets per employee ($millions) | 6.9068% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 1,322 |
| Loan loss allowance to noncurrent loans | 50.5058% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.5781% | 379 |
| Noncurrent loans to loans | 3.1468% | 241 |
| Net loans and leases to total assets | 48.4862% | 3,762 |
| Net loans and leases to deposits | 54.0585% | 3,932 |
| Net loans and leases to core deposits | 56.7475% | 3,926 |
| Total domestic deposits to total assets | 89.6922% | 975 |
| Equity capital to assets | 10.0681% | 2,645 |
| Core capital (leverage) ratio | 9.8907% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,553,500 | 2,747 |
| Average earning assets | $234,080,500 | 2,711 |
| Average equity | $25,308,000 | 2,852 |
| Average total loans | $123,272,000 | 2,983 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4051% | 4,186 |
| Cost of funding earning assets | 0.7084% | 1,679 |
| Net interest margin | 2.6967% | 4,377 |
| Noninterest income to average assets | 0.1898% | 4,337 |
| Noninterest expense to average assets | 1.7896% | 4,488 |
| Loan and lease loss provision to assets | 0.1788% | 2,157 |
| Net operating income to assets | 0.6149% | 3,694 |
| Return on assets (ROA) | 0.6149% | 3,822 |
| Pretax return on assets | 0.7641% | 3,724 |
| Return on Equity (ROE) | 5.6059% | 3,704 |
| Retained earnings to average equity (ytd only) | 3.3483% | 3,152 |
| Net charge-offs to loans | 0.0273% | 2,487 |
| Credit loss provision to net charge-offs | 1,265.6250% | 656 |
| Earnings coverage of net charge-offs (x) | 66.7500% | 1,006 |
| Efficiency ratio | 63.6511% | 2,872 |
| Assets per employee ($millions) | 6.2682% | 2,105 |
| Cash dividends to net income (ytd only)* | 40.2728% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 1,500 |
| Loan loss allowance to noncurrent loans | 41.8455% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.8927% | 315 |
| Noncurrent loans to loans | 3.6432% | 179 |
| Net loans and leases to total assets | 49.9658% | 3,829 |
| Net loans and leases to deposits | 56.0217% | 3,995 |
| Net loans and leases to core deposits | 58.4976% | 4,024 |
| Total domestic deposits to total assets | 89.1901% | 905 |
| Equity capital to assets | 10.4647% | 2,703 |
| Core capital (leverage) ratio | 10.0698% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,535,600 | 2,752 |
| Average earning assets | $213,593,000 | 2,718 |
| Average equity | $24,848,800 | 2,815 |
| Average total loans | $117,276,600 | 3,012 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5389% | 4,138 |
| Cost of funding earning assets | 0.7569% | 1,694 |
| Net interest margin | 2.7819% | 4,365 |
| Noninterest income to average assets | 0.1279% | 4,650 |
| Noninterest expense to average assets | 1.4927% | 4,806 |
| Loan and lease loss provision to assets | 0.2162% | 1,866 |
| Net operating income to assets | 0.8160% | 3,032 |
| Return on assets (ROA) | 0.8160% | 3,153 |
| Pretax return on assets | 1.0430% | 2,929 |
| Return on Equity (ROE) | 7.3461% | 3,074 |
| Retained earnings to average equity (ytd only) | 7.3461% | 1,564 |
| Net charge-offs to loans | 0.0531% | 1,846 |
| Credit loss provision to net charge-offs | 782.6087% | 994 |
| Earnings coverage of net charge-offs (x) | 45.5870% | 1,261 |
| Efficiency ratio | 52.3674% | 4,305 |
| Assets per employee ($millions) | 7.0648% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 1,321 |
| Loan loss allowance to noncurrent loans | 41.0722% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.9585% | 345 |
| Noncurrent loans to loans | 3.7114% | 194 |
| Net loans and leases to total assets | 50.7358% | 4,054 |
| Net loans and leases to deposits | 57.4266% | 4,189 |
| Net loans and leases to core deposits | 60.4068% | 4,181 |
| Total domestic deposits to total assets | 88.3490% | 1,034 |
| Equity capital to assets | 11.2135% | 2,219 |
| Core capital (leverage) ratio | 10.4640% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,054,250 | 2,764 |
| Average earning assets | $209,441,250 | 2,732 |
| Average equity | $24,665,500 | 2,815 |
| Average total loans | $115,586,250 | 3,034 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4861% | 4,424 |
| Cost of funding earning assets | 0.8081% | 1,787 |
| Net interest margin | 2.6780% | 4,575 |
| Noninterest income to average assets | 0.1227% | 4,689 |
| Noninterest expense to average assets | 1.4801% | 4,859 |
| Loan and lease loss provision to assets | 0.3023% | 1,428 |
| Net operating income to assets | 0.6851% | 3,447 |
| Return on assets (ROA) | 0.6851% | 3,550 |
| Pretax return on assets | 0.8628% | 3,422 |
| Return on Equity (ROE) | 6.1887% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.1887% | 1,995 |
| Net charge-offs to loans | 0.0193% | 2,341 |
| Credit loss provision to net charge-offs | 3,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 115.6364% | 643 |
| Efficiency ratio | 53.9820% | 4,181 |
| Assets per employee ($millions) | 6.1722% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 1,050 |
| Loan loss allowance to noncurrent loans | 39.4291% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 2.0670% | 331 |
| Noncurrent loans to loans | 4.0144% | 168 |
| Net loans and leases to total assets | 48.6990% | 4,223 |
| Net loans and leases to deposits | 54.8958% | 4,342 |
| Net loans and leases to core deposits | 58.0850% | 4,352 |
| Total domestic deposits to total assets | 88.7117% | 860 |
| Equity capital to assets | 10.8526% | 2,462 |
| Core capital (leverage) ratio | 11.0028% | 1,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,359,333 | 2,768 |
| Average earning assets | $205,676,000 | 2,740 |
| Average equity | $24,173,000 | 2,842 |
| Average total loans | $114,076,333 | 3,046 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 4,377 |
| Cost of funding earning assets | 0.8870% | 1,939 |
| Net interest margin | 2.8217% | 4,549 |
| Noninterest income to average assets | 0.1332% | 4,707 |
| Noninterest expense to average assets | 1.3202% | 4,997 |
| Loan and lease loss provision to assets | 0.0571% | 3,049 |
| Net operating income to assets | 1.0976% | 1,852 |
| Return on assets (ROA) | 1.0976% | 1,952 |
| Pretax return on assets | 1.4306% | 1,480 |
| Return on Equity (ROE) | 9.8077% | 1,808 |
| Retained earnings to average equity (ytd only) | 9.8077% | 779 |
| Net charge-offs to loans | -0.0141% | 4,198 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0542% | 4,857 |
| Assets per employee ($millions) | 5.5255% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 1,745 |
| Loan loss allowance to noncurrent loans | 33.0072% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.4127% | 296 |
| Noncurrent loans to loans | 4.2006% | 174 |
| Net loans and leases to total assets | 52.5718% | 4,086 |
| Net loans and leases to deposits | 59.3136% | 4,227 |
| Net loans and leases to core deposits | 63.3672% | 4,206 |
| Total domestic deposits to total assets | 88.6336% | 825 |
| Equity capital to assets | 11.0978% | 2,777 |
| Core capital (leverage) ratio | 11.0503% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,267,500 | 2,786 |
| Average earning assets | $199,313,500 | 2,746 |
| Average equity | $23,532,500 | 2,883 |
| Average total loans | $113,086,000 | 3,043 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 4,011 |
| Cost of funding earning assets | 0.9589% | 1,912 |
| Net interest margin | 3.1558% | 4,278 |
| Noninterest income to average assets | 0.0127% | 5,106 |
| Noninterest expense to average assets | 2.2684% | 4,029 |
| Loan and lease loss provision to assets | 0.0611% | 2,814 |
| Net operating income to assets | 0.5286% | 4,341 |
| Return on assets (ROA) | 0.5286% | 4,388 |
| Pretax return on assets | 0.6483% | 4,328 |
| Return on Equity (ROE) | 4.4662% | 4,352 |
| Retained earnings to average equity (ytd only) | 3.6831% | 3,154 |
| Net charge-offs to loans | -0.1673% | 5,040 |
| Credit loss provision to net charge-offs | -63.4921% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2261% | 1,582 |
| Assets per employee ($millions) | 4.1287% | 3,719 |
| Cash dividends to net income (ytd only)* | 17.5337% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 1,802 |
| Loan loss allowance to noncurrent loans | 32.7081% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.2924% | 306 |
| Noncurrent loans to loans | 4.0601% | 163 |
| Net loans and leases to total assets | 53.5312% | 4,107 |
| Net loans and leases to deposits | 60.5724% | 4,263 |
| Net loans and leases to core deposits | 64.9237% | 4,241 |
| Total domestic deposits to total assets | 88.3756% | 951 |
| Equity capital to assets | 11.2854% | 2,723 |
| Core capital (leverage) ratio | 11.0346% | 2,472 |
| Tier 1 risk-based capital ratio | 19.7279% | 1,363 |
| Total risk-based capital ratio | 20.9779% | 1,337 |
| Memoranda: | ||
| Average total assets | $196,352,600 | 2,874 |
| Average earning assets | $184,488,600 | 2,841 |
| Average equity | $23,241,200 | 2,848 |
| Average total loans | $112,970,400 | 3,039 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 3,914 |
| Cost of funding earning assets | 0.9650% | 1,909 |
| Net interest margin | 3.2374% | 4,217 |
| Noninterest income to average assets | 0.1328% | 4,867 |
| Noninterest expense to average assets | 2.0525% | 4,452 |
| Loan and lease loss provision to assets | 0.0622% | 2,651 |
| Net operating income to assets | 0.8250% | 3,593 |
| Return on assets (ROA) | 0.8250% | 3,674 |
| Pretax return on assets | 1.0525% | 3,440 |
| Return on Equity (ROE) | 6.8826% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.8826% | 1,919 |
| Net charge-offs to loans | -0.2320% | 5,130 |
| Credit loss provision to net charge-offs | -45.9184% | 4,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9258% | 3,177 |
| Assets per employee ($millions) | 4.2844% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3109% | 1,923 |
| Loan loss allowance to noncurrent loans | 28.4897% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.7284% | 224 |
| Noncurrent loans to loans | 4.6014% | 121 |
| Net loans and leases to total assets | 54.6912% | 4,119 |
| Net loans and leases to deposits | 62.2651% | 4,273 |
| Net loans and leases to core deposits | 66.9935% | 4,224 |
| Total domestic deposits to total assets | 87.8361% | 1,112 |
| Equity capital to assets | 11.7273% | 2,482 |
| Core capital (leverage) ratio | 11.6291% | 2,123 |
| Tier 1 risk-based capital ratio | 20.2809% | 1,324 |
| Total risk-based capital ratio | 21.5309% | 1,289 |
| Memoranda: | ||
| Average total assets | $192,799,500 | 2,920 |
| Average earning assets | $180,718,750 | 2,899 |
| Average equity | $23,110,750 | 2,881 |
| Average total loans | $112,654,250 | 3,078 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 3,862 |
| Cost of funding earning assets | 0.9560% | 1,883 |
| Net interest margin | 3.2681% | 4,204 |
| Noninterest income to average assets | 0.1793% | 4,675 |
| Noninterest expense to average assets | 2.1197% | 4,378 |
| Loan and lease loss provision to assets | 0.0637% | 2,541 |
| Net operating income to assets | 0.8296% | 3,546 |
| Return on assets (ROA) | 0.8296% | 3,609 |
| Pretax return on assets | 1.0535% | 3,373 |
| Return on Equity (ROE) | 6.8671% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.8671% | 1,868 |
| Net charge-offs to loans | -0.2673% | 5,172 |
| Credit loss provision to net charge-offs | -40.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6185% | 3,197 |
| Assets per employee ($millions) | 4.5107% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,267 |
| Loan loss allowance to noncurrent loans | 29.9577% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.5943% | 278 |
| Noncurrent loans to loans | 4.1667% | 167 |
| Net loans and leases to total assets | 57.7965% | 3,936 |
| Net loans and leases to deposits | 66.1302% | 4,090 |
| Net loans and leases to core deposits | 70.5656% | 4,089 |
| Total domestic deposits to total assets | 87.3979% | 1,388 |
| Equity capital to assets | 12.1938% | 2,053 |
| Core capital (leverage) ratio | 12.0352% | 1,804 |
| Tier 1 risk-based capital ratio | 20.2864% | 1,295 |
| Total risk-based capital ratio | 21.5359% | 1,266 |
| Memoranda: | ||
| Average total assets | $188,516,330 | 2,968 |
| Average earning assets | $176,369,000 | 2,954 |
| Average equity | $22,775,330 | 2,903 |
| Average total loans | $112,217,000 | 3,098 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 4,112 |
| Cost of funding earning assets | 0.9320% | 1,877 |
| Net interest margin | 3.1732% | 4,444 |
| Noninterest income to average assets | 0.1873% | 4,630 |
| Noninterest expense to average assets | 2.2067% | 4,242 |
| Loan and lease loss provision to assets | 0.0646% | 2,375 |
| Net operating income to assets | 0.7083% | 3,907 |
| Return on assets (ROA) | 0.7083% | 3,952 |
| Pretax return on assets | 0.8848% | 3,818 |
| Return on Equity (ROE) | 5.8914% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.8914% | 2,499 |
| Net charge-offs to loans | 0.0072% | 2,439 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 220.5000% | 355 |
| Efficiency ratio | 67.9400% | 2,651 |
| Assets per employee ($millions) | 3.1917% | 4,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 3,102 |
| Loan loss allowance to noncurrent loans | 44.7988% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.6843% | 662 |
| Noncurrent loans to loans | 2.4673% | 537 |
| Net loans and leases to total assets | 59.7385% | 3,737 |
| Net loans and leases to deposits | 68.3005% | 3,903 |
| Net loans and leases to core deposits | 72.4108% | 3,913 |
| Total domestic deposits to total assets | 87.4643% | 1,582 |
| Equity capital to assets | 12.2537% | 1,874 |
| Core capital (leverage) ratio | 11.9283% | 1,817 |
| Tier 1 risk-based capital ratio | 18.9549% | 1,552 |
| Total risk-based capital ratio | 20.0102% | 1,559 |
| Memoranda: | ||
| Average total assets | $185,794,500 | 3,026 |
| Average earning assets | $173,828,500 | 3,015 |
| Average equity | $22,337,500 | 2,938 |
| Average total loans | $111,566,000 | 3,140 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0731% | 3,828 |
| Cost of funding earning assets | 0.8397% | 1,347 |
| Net interest margin | 3.2333% | 4,421 |
| Noninterest income to average assets | 0.1680% | 4,886 |
| Noninterest expense to average assets | 2.1856% | 4,371 |
| Loan and lease loss provision to assets | 0.0674% | 2,801 |
| Net operating income to assets | 0.7192% | 4,085 |
| Return on assets (ROA) | 0.7192% | 4,089 |
| Pretax return on assets | 0.9372% | 3,794 |
| Return on Equity (ROE) | 5.9810% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.0511% | 2,736 |
| Net charge-offs to loans | 0.0045% | 3,555 |
| Credit loss provision to net charge-offs | 2,400.0000% | 190 |
| Earnings coverage of net charge-offs (x) | 357.6000% | 290 |
| Efficiency ratio | 66.5023% | 2,788 |
| Assets per employee ($millions) | 4.3365% | 3,402 |
| Cash dividends to net income (ytd only)* | 15.5469% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,196 |
| Loan loss allowance to noncurrent loans | 53.1250% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.4110% | 857 |
| Noncurrent loans to loans | 2.0412% | 658 |
| Net loans and leases to total assets | 59.0452% | 3,866 |
| Net loans and leases to deposits | 67.1987% | 4,030 |
| Net loans and leases to core deposits | 70.6936% | 4,083 |
| Total domestic deposits to total assets | 87.8666% | 1,361 |
| Equity capital to assets | 11.7934% | 2,037 |
| Core capital (leverage) ratio | 12.1415% | 1,648 |
| Tier 1 risk-based capital ratio | 20.3049% | 1,255 |
| Total risk-based capital ratio | 21.4271% | 1,257 |
| Memoranda: | ||
| Average total assets | $177,983,800 | 3,075 |
| Average earning assets | $166,360,800 | 3,059 |
| Average equity | $21,401,200 | 2,949 |
| Average total loans | $110,284,600 | 3,126 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 3,676 |
| Cost of funding earning assets | 0.8277% | 1,208 |
| Net interest margin | 3.2599% | 4,385 |
| Noninterest income to average assets | 0.1766% | 4,902 |
| Noninterest expense to average assets | 2.1478% | 4,434 |
| Loan and lease loss provision to assets | 0.0682% | 2,611 |
| Net operating income to assets | 0.7619% | 4,039 |
| Return on assets (ROA) | 0.7619% | 4,048 |
| Pretax return on assets | 1.0091% | 3,694 |
| Return on Equity (ROE) | 6.3046% | 4,169 |
| Retained earnings to average equity (ytd only) | 6.3046% | 2,488 |
| Net charge-offs to loans | -0.0206% | 4,636 |
| Credit loss provision to net charge-offs | -529.4118% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5745% | 3,090 |
| Assets per employee ($millions) | 4.2641% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 3,313 |
| Loan loss allowance to noncurrent loans | 51.6810% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.4043% | 950 |
| Noncurrent loans to loans | 2.0834% | 689 |
| Net loans and leases to total assets | 61.5090% | 3,696 |
| Net loans and leases to deposits | 70.1954% | 3,904 |
| Net loans and leases to core deposits | 74.1038% | 3,941 |
| Total domestic deposits to total assets | 87.6255% | 1,431 |
| Equity capital to assets | 11.9870% | 1,914 |
| Core capital (leverage) ratio | 12.3922% | 1,560 |
| Tier 1 risk-based capital ratio | 20.0891% | 1,320 |
| Total risk-based capital ratio | 21.1972% | 1,310 |
| Memoranda: | ||
| Average total assets | $175,862,500 | 3,119 |
| Average earning assets | $164,459,000 | 3,103 |
| Average equity | $21,253,750 | 2,978 |
| Average total loans | $110,028,750 | 3,156 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 3,580 |
| Cost of funding earning assets | 0.8100% | 1,085 |
| Net interest margin | 3.2509% | 4,381 |
| Noninterest income to average assets | 0.1854% | 4,901 |
| Noninterest expense to average assets | 2.1558% | 4,475 |
| Loan and lease loss provision to assets | 0.0687% | 2,505 |
| Net operating income to assets | 0.7380% | 4,076 |
| Return on assets (ROA) | 0.7380% | 4,076 |
| Pretax return on assets | 0.9967% | 3,673 |
| Return on Equity (ROE) | 6.0900% | 4,197 |
| Retained earnings to average equity (ytd only) | 6.0900% | 2,502 |
| Net charge-offs to loans | -0.0329% | 4,767 |
| Credit loss provision to net charge-offs | -333.3333% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9023% | 3,173 |
| Assets per employee ($millions) | 4.3793% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0681% | 3,446 |
| Loan loss allowance to noncurrent loans | 48.9950% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.4483% | 933 |
| Noncurrent loans to loans | 2.1801% | 647 |
| Net loans and leases to total assets | 61.8639% | 3,617 |
| Net loans and leases to deposits | 70.6775% | 3,803 |
| Net loans and leases to core deposits | 76.2150% | 3,731 |
| Total domestic deposits to total assets | 87.5298% | 1,631 |
| Equity capital to assets | 12.1762% | 1,735 |
| Core capital (leverage) ratio | 12.4419% | 1,467 |
| Tier 1 risk-based capital ratio | 18.8544% | 1,591 |
| Total risk-based capital ratio | 19.8878% | 1,603 |
| Memoranda: | ||
| Average total assets | $174,785,330 | 3,155 |
| Average earning assets | $163,218,670 | 3,144 |
| Average equity | $21,182,330 | 3,002 |
| Average total loans | $109,585,670 | 3,176 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0597% | 3,381 |
| Cost of funding earning assets | 0.7811% | 1,039 |
| Net interest margin | 3.2786% | 4,238 |
| Noninterest income to average assets | 0.1558% | 5,081 |
| Noninterest expense to average assets | 2.1582% | 4,513 |
| Loan and lease loss provision to assets | 0.0687% | 2,389 |
| Net operating income to assets | 0.7904% | 3,746 |
| Return on assets (ROA) | 0.7904% | 3,750 |
| Pretax return on assets | 0.9966% | 3,544 |
| Return on Equity (ROE) | 6.5375% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.5375% | 2,483 |
| Net charge-offs to loans | -0.0766% | 5,134 |
| Credit loss provision to net charge-offs | -142.8571% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8898% | 3,340 |
| Assets per employee ($millions) | 4.1373% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,673 |
| Loan loss allowance to noncurrent loans | 45.4473% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 889 |
| Noncurrent loans to loans | 2.3060% | 621 |
| Net loans and leases to total assets | 62.1064% | 3,537 |
| Net loans and leases to deposits | 70.8971% | 3,712 |
| Net loans and leases to core deposits | 77.0837% | 3,568 |
| Total domestic deposits to total assets | 87.6007% | 1,849 |
| Equity capital to assets | 12.1397% | 1,694 |
| Core capital (leverage) ratio | 12.0451% | 1,626 |
| Tier 1 risk-based capital ratio | 18.6908% | 1,636 |
| Total risk-based capital ratio | 19.7060% | 1,669 |
| Memoranda: | ||
| Average total assets | $174,593,000 | 3,197 |
| Average earning assets | $163,363,500 | 3,170 |
| Average equity | $21,109,000 | 3,032 |
| Average total loans | $109,610,000 | 3,198 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 3,806 |
| Cost of funding earning assets | 0.6789% | 1,137 |
| Net interest margin | 3.1957% | 4,455 |
| Noninterest income to average assets | 0.1470% | 5,215 |
| Noninterest expense to average assets | 2.0704% | 4,835 |
| Loan and lease loss provision to assets | 0.0594% | 3,048 |
| Net operating income to assets | 0.7083% | 3,567 |
| Return on assets (ROA) | 0.7096% | 3,614 |
| Pretax return on assets | 0.9917% | 3,609 |
| Return on Equity (ROE) | 6.0264% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.1140% | 2,060 |
| Net charge-offs to loans | 0.0948% | 2,133 |
| Credit loss provision to net charge-offs | 100.9615% | 2,539 |
| Earnings coverage of net charge-offs (x) | 17.8462% | 2,107 |
| Efficiency ratio | 64.2987% | 3,562 |
| Assets per employee ($millions) | 4.2785% | 3,525 |
| Cash dividends to net income (ytd only)* | 15.1394% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,997 |
| Loan loss allowance to noncurrent loans | 40.6855% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.6224% | 813 |
| Noncurrent loans to loans | 2.4365% | 564 |
| Net loans and leases to total assets | 62.1738% | 3,595 |
| Net loans and leases to deposits | 70.9461% | 3,797 |
| Net loans and leases to core deposits | 76.7856% | 3,685 |
| Total domestic deposits to total assets | 87.6352% | 1,680 |
| Equity capital to assets | 12.0415% | 1,803 |
| Core capital (leverage) ratio | 12.0503% | 1,576 |
| Tier 1 risk-based capital ratio | 19.9905% | 1,324 |
| Total risk-based capital ratio | 21.0467% | 1,327 |
| Memoranda: | ||
| Average total assets | $176,871,000 | 3,157 |
| Average earning assets | $164,531,600 | 3,148 |
| Average equity | $20,825,000 | 3,049 |
| Average total loans | $109,649,800 | 3,190 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,810 |
| Cost of funding earning assets | 0.6588% | 1,186 |
| Net interest margin | 3.1979% | 4,454 |
| Noninterest income to average assets | 0.1497% | 5,262 |
| Noninterest expense to average assets | 2.0274% | 4,894 |
| Loan and lease loss provision to assets | 0.0564% | 2,961 |
| Net operating income to assets | 0.7237% | 3,858 |
| Return on assets (ROA) | 0.7237% | 3,920 |
| Pretax return on assets | 1.0419% | 3,518 |
| Return on Equity (ROE) | 6.1812% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.1812% | 2,120 |
| Net charge-offs to loans | 0.0998% | 1,786 |
| Credit loss provision to net charge-offs | 91.4634% | 2,443 |
| Earnings coverage of net charge-offs (x) | 17.8050% | 2,086 |
| Efficiency ratio | 62.7918% | 3,757 |
| Assets per employee ($millions) | 4.1948% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 4,185 |
| Loan loss allowance to noncurrent loans | 43.4992% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.5314% | 982 |
| Noncurrent loans to loans | 2.2530% | 714 |
| Net loans and leases to total assets | 62.1641% | 3,635 |
| Net loans and leases to deposits | 71.0352% | 3,867 |
| Net loans and leases to core deposits | 76.8473% | 3,739 |
| Total domestic deposits to total assets | 87.5118% | 1,622 |
| Equity capital to assets | 12.1233% | 1,888 |
| Core capital (leverage) ratio | 11.9046% | 1,753 |
| Tier 1 risk-based capital ratio | 19.8525% | 1,395 |
| Total risk-based capital ratio | 20.9003% | 1,410 |
| Memoranda: | ||
| Average total assets | $177,234,250 | 3,177 |
| Average earning assets | $164,937,250 | 3,169 |
| Average equity | $20,750,500 | 3,079 |
| Average total loans | $109,523,250 | 3,215 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 3,783 |
| Cost of funding earning assets | 0.6411% | 1,204 |
| Net interest margin | 3.1910% | 4,446 |
| Noninterest income to average assets | 0.1903% | 5,099 |
| Noninterest expense to average assets | 2.0182% | 4,936 |
| Loan and lease loss provision to assets | 0.0507% | 2,974 |
| Net operating income to assets | 0.7433% | 3,654 |
| Return on assets (ROA) | 0.7433% | 3,718 |
| Pretax return on assets | 1.0868% | 3,230 |
| Return on Equity (ROE) | 6.4241% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.4241% | 1,891 |
| Net charge-offs to loans | 0.0660% | 1,987 |
| Credit loss provision to net charge-offs | 125.0000% | 1,726 |
| Earnings coverage of net charge-offs (x) | 28.0556% | 1,519 |
| Efficiency ratio | 61.9201% | 3,998 |
| Assets per employee ($millions) | 4.4799% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 4,113 |
| Loan loss allowance to noncurrent loans | 49.7063% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4040% | 1,125 |
| Noncurrent loans to loans | 2.0224% | 831 |
| Net loans and leases to total assets | 61.9998% | 3,632 |
| Net loans and leases to deposits | 70.7827% | 3,850 |
| Net loans and leases to core deposits | 77.0280% | 3,679 |
| Total domestic deposits to total assets | 87.5918% | 1,665 |
| Equity capital to assets | 12.0974% | 1,865 |
| Core capital (leverage) ratio | 11.7367% | 1,810 |
| Tier 1 risk-based capital ratio | 19.7462% | 1,422 |
| Total risk-based capital ratio | 20.8216% | 1,414 |
| Memoranda: | ||
| Average total assets | $177,585,000 | 3,187 |
| Average earning assets | $165,026,330 | 3,176 |
| Average equity | $20,547,670 | 3,099 |
| Average total loans | $109,162,330 | 3,237 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 3,883 |
| Cost of funding earning assets | 0.6385% | 1,142 |
| Net interest margin | 3.1272% | 4,576 |
| Noninterest income to average assets | 0.1922% | 5,122 |
| Noninterest expense to average assets | 2.0936% | 4,867 |
| Loan and lease loss provision to assets | 0.0335% | 3,115 |
| Net operating income to assets | 0.6949% | 3,732 |
| Return on assets (ROA) | 0.6949% | 3,769 |
| Pretax return on assets | 0.9653% | 3,519 |
| Return on Equity (ROE) | 6.1421% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.1421% | 2,260 |
| Net charge-offs to loans | 0.1211% | 1,199 |
| Credit loss provision to net charge-offs | 45.4545% | 2,022 |
| Earnings coverage of net charge-offs (x) | 13.5455% | 1,776 |
| Efficiency ratio | 65.6069% | 3,556 |
| Assets per employee ($millions) | 4.5655% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 4,356 |
| Loan loss allowance to noncurrent loans | 44.8579% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.5422% | 1,025 |
| Noncurrent loans to loans | 2.2050% | 767 |
| Net loans and leases to total assets | 60.3229% | 3,752 |
| Net loans and leases to deposits | 68.5306% | 3,936 |
| Net loans and leases to core deposits | 75.2610% | 3,715 |
| Total domestic deposits to total assets | 88.0234% | 1,704 |
| Equity capital to assets | 11.4908% | 2,187 |
| Core capital (leverage) ratio | 11.1246% | 2,254 |
| Tier 1 risk-based capital ratio | 19.3011% | 1,535 |
| Total risk-based capital ratio | 20.3455% | 1,554 |
| Memoranda: | ||
| Average total assets | $179,020,000 | 3,196 |
| Average earning assets | $166,025,000 | 3,191 |
| Average equity | $20,253,500 | 3,140 |
| Average total loans | $109,032,000 | 3,263 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 3,746 |
| Cost of funding earning assets | 0.5830% | 1,470 |
| Net interest margin | 3.2657% | 4,242 |
| Noninterest income to average assets | 0.1915% | 5,259 |
| Noninterest expense to average assets | 2.0900% | 5,021 |
| Loan and lease loss provision to assets | 0.0254% | 3,849 |
| Net operating income to assets | 0.7653% | 3,470 |
| Return on assets (ROA) | 0.7728% | 3,539 |
| Pretax return on assets | 1.1213% | 3,010 |
| Return on Equity (ROE) | 6.7745% | 3,600 |
| Retained earnings to average equity (ytd only) | 5.7890% | 1,832 |
| Net charge-offs to loans | 0.0769% | 2,594 |
| Credit loss provision to net charge-offs | 54.2169% | 3,329 |
| Earnings coverage of net charge-offs (x) | 24.2289% | 1,648 |
| Efficiency ratio | 62.7911% | 4,136 |
| Assets per employee ($millions) | 4.2854% | 3,462 |
| Cash dividends to net income (ytd only)* | 14.5468% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 4,360 |
| Loan loss allowance to noncurrent loans | 40.6786% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.7807% | 833 |
| Noncurrent loans to loans | 2.4475% | 649 |
| Net loans and leases to total assets | 60.2784% | 3,816 |
| Net loans and leases to deposits | 68.1782% | 4,073 |
| Net loans and leases to core deposits | 75.1673% | 3,824 |
| Total domestic deposits to total assets | 88.4129% | 1,430 |
| Equity capital to assets | 11.1382% | 2,491 |
| Core capital (leverage) ratio | 11.0870% | 2,268 |
| Tier 1 risk-based capital ratio | 18.9345% | 1,618 |
| Total risk-based capital ratio | 19.9944% | 1,637 |
| Memoranda: | ||
| Average total assets | $177,030,000 | 3,195 |
| Average earning assets | $164,495,600 | 3,179 |
| Average equity | $20,193,400 | 3,151 |
| Average total loans | $107,931,400 | 3,240 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8670% | 3,709 |
| Cost of funding earning assets | 0.5735% | 1,525 |
| Net interest margin | 3.2934% | 4,205 |
| Noninterest income to average assets | 0.2019% | 5,259 |
| Noninterest expense to average assets | 2.0587% | 5,092 |
| Loan and lease loss provision to assets | 0.0227% | 3,791 |
| Net operating income to assets | 0.8129% | 3,305 |
| Return on assets (ROA) | 0.8229% | 3,402 |
| Pretax return on assets | 1.2010% | 2,829 |
| Return on Equity (ROE) | 7.1707% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.1707% | 1,545 |
| Net charge-offs to loans | 0.0322% | 3,001 |
| Credit loss provision to net charge-offs | 115.3846% | 2,152 |
| Earnings coverage of net charge-offs (x) | 61.4926% | 938 |
| Efficiency ratio | 61.0044% | 4,393 |
| Assets per employee ($millions) | 4.0796% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 4,163 |
| Loan loss allowance to noncurrent loans | 48.1923% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.6100% | 1,082 |
| Noncurrent loans to loans | 2.1661% | 871 |
| Net loans and leases to total assets | 59.8342% | 3,897 |
| Net loans and leases to deposits | 68.0192% | 4,149 |
| Net loans and leases to core deposits | 74.8270% | 3,938 |
| Total domestic deposits to total assets | 87.9666% | 1,420 |
| Equity capital to assets | 11.5860% | 2,445 |
| Core capital (leverage) ratio | 11.0595% | 2,390 |
| Tier 1 risk-based capital ratio | 19.0011% | 1,673 |
| Total risk-based capital ratio | 20.1203% | 1,663 |
| Memoranda: | ||
| Average total assets | $176,291,250 | 3,223 |
| Average earning assets | $164,120,000 | 3,195 |
| Average equity | $20,230,000 | 3,170 |
| Average total loans | $107,518,500 | 3,265 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 3,616 |
| Cost of funding earning assets | 0.5666% | 1,567 |
| Net interest margin | 3.3306% | 4,116 |
| Noninterest income to average assets | 0.1963% | 5,322 |
| Noninterest expense to average assets | 2.0580% | 5,149 |
| Loan and lease loss provision to assets | 0.0171% | 3,777 |
| Net operating income to assets | 0.8777% | 2,976 |
| Return on assets (ROA) | 0.8777% | 3,091 |
| Pretax return on assets | 1.2145% | 2,729 |
| Return on Equity (ROE) | 7.6743% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.6743% | 1,299 |
| Net charge-offs to loans | 0.0560% | 2,392 |
| Credit loss provision to net charge-offs | 50.0000% | 2,666 |
| Earnings coverage of net charge-offs (x) | 35.9667% | 1,237 |
| Efficiency ratio | 60.5829% | 4,566 |
| Assets per employee ($millions) | 4.5361% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 4,362 |
| Loan loss allowance to noncurrent loans | 49.0101% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.6470% | 1,100 |
| Noncurrent loans to loans | 2.0961% | 934 |
| Net loans and leases to total assets | 62.2627% | 3,595 |
| Net loans and leases to deposits | 71.0981% | 3,875 |
| Net loans and leases to core deposits | 79.1370% | 3,538 |
| Total domestic deposits to total assets | 87.5729% | 1,640 |
| Equity capital to assets | 11.9874% | 2,130 |
| Core capital (leverage) ratio | 10.9827% | 2,447 |
| Tier 1 risk-based capital ratio | 17.0077% | 2,215 |
| Total risk-based capital ratio | 18.0108% | 2,276 |
| Memoranda: | ||
| Average total assets | $175,221,330 | 3,251 |
| Average earning assets | $162,731,330 | 3,231 |
| Average equity | $20,041,000 | 3,193 |
| Average total loans | $107,179,330 | 3,282 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 3,541 |
| Cost of funding earning assets | 0.5514% | 1,696 |
| Net interest margin | 3.3622% | 4,000 |
| Noninterest income to average assets | 0.2196% | 5,163 |
| Noninterest expense to average assets | 2.0448% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9579% | 2,469 |
| Return on assets (ROA) | 0.9579% | 2,590 |
| Pretax return on assets | 1.2952% | 2,329 |
| Return on Equity (ROE) | 8.5758% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.5758% | 1,234 |
| Net charge-offs to loans | 0.1389% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.4595% | 1,660 |
| Efficiency ratio | 59.2542% | 4,845 |
| Assets per employee ($millions) | 4.3719% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 4,426 |
| Loan loss allowance to noncurrent loans | 45.3865% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 1.6995% | 1,141 |
| Noncurrent loans to loans | 2.2775% | 885 |
| Net loans and leases to total assets | 59.7854% | 3,808 |
| Net loans and leases to deposits | 67.8198% | 4,079 |
| Net loans and leases to core deposits | 74.7861% | 3,813 |
| Total domestic deposits to total assets | 88.1534% | 1,559 |
| Equity capital to assets | 11.4515% | 2,481 |
| Core capital (leverage) ratio | 10.6863% | 2,750 |
| Tier 1 risk-based capital ratio | 18.7168% | 1,800 |
| Total risk-based capital ratio | 19.8208% | 1,791 |
| Memoranda: | ||
| Average total assets | $176,645,500 | 3,237 |
| Average earning assets | $163,941,500 | 3,228 |
| Average equity | $19,730,000 | 3,229 |
| Average total loans | $106,550,000 | 3,301 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 3,944 |
| Cost of funding earning assets | 0.5245% | 1,961 |
| Net interest margin | 3.3072% | 4,275 |
| Noninterest income to average assets | 0.1497% | 5,666 |
| Noninterest expense to average assets | 2.1802% | 5,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7802% | 3,418 |
| Return on assets (ROA) | 0.8069% | 3,390 |
| Pretax return on assets | 1.0878% | 3,120 |
| Return on Equity (ROE) | 7.2835% | 3,370 |
| Retained earnings to average equity (ytd only) | 6.2370% | 1,684 |
| Net charge-offs to loans | 0.1180% | 2,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.6748% | 2,272 |
| Efficiency ratio | 65.4047% | 4,005 |
| Assets per employee ($millions) | 3.9648% | 4,002 |
| Cash dividends to net income (ytd only)* | 14.3682% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 4,311 |
| Loan loss allowance to noncurrent loans | 40.1636% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 1.9376% | 926 |
| Noncurrent loans to loans | 2.6159% | 684 |
| Net loans and leases to total assets | 59.5962% | 3,890 |
| Net loans and leases to deposits | 67.1844% | 4,200 |
| Net loans and leases to core deposits | 73.2554% | 4,018 |
| Total domestic deposits to total assets | 88.7055% | 1,284 |
| Equity capital to assets | 10.8926% | 2,942 |
| Core capital (leverage) ratio | 10.3897% | 3,062 |
| Tier 1 risk-based capital ratio | 17.7595% | 2,035 |
| Total risk-based capital ratio | 18.8697% | 2,037 |
| Memoranda: | ||
| Average total assets | $171,637,800 | 3,279 |
| Average earning assets | $159,954,000 | 3,255 |
| Average equity | $19,015,600 | 3,259 |
| Average total loans | $104,263,000 | 3,312 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 4,029 |
| Cost of funding earning assets | 0.5224% | 2,021 |
| Net interest margin | 3.2966% | 4,359 |
| Noninterest income to average assets | 0.1436% | 5,761 |
| Noninterest expense to average assets | 2.1505% | 5,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7894% | 3,479 |
| Return on assets (ROA) | 0.8253% | 3,385 |
| Pretax return on assets | 1.1211% | 3,131 |
| Return on Equity (ROE) | 7.4170% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.4170% | 1,492 |
| Net charge-offs to loans | 0.0889% | 2,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 19.8111% | 1,913 |
| Efficiency ratio | 64.6300% | 4,131 |
| Assets per employee ($millions) | 4.2237% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 4,120 |
| Loan loss allowance to noncurrent loans | 42.9090% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 1.8612% | 1,129 |
| Noncurrent loans to loans | 2.6057% | 756 |
| Net loans and leases to total assets | 60.4160% | 3,822 |
| Net loans and leases to deposits | 68.3565% | 4,155 |
| Net loans and leases to core deposits | 75.2326% | 3,879 |
| Total domestic deposits to total assets | 88.3837% | 1,350 |
| Equity capital to assets | 11.2080% | 2,794 |
| Core capital (leverage) ratio | 10.6621% | 2,866 |
| Tier 1 risk-based capital ratio | 18.2578% | 1,971 |
| Total risk-based capital ratio | 19.4645% | 1,940 |
| Memoranda: | ||
| Average total assets | $169,943,750 | 3,331 |
| Average earning assets | $158,743,750 | 3,298 |
| Average equity | $18,911,000 | 3,304 |
| Average total loans | $103,464,500 | 3,355 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7767% | 4,144 |
| Cost of funding earning assets | 0.5232% | 2,042 |
| Net interest margin | 3.2535% | 4,481 |
| Noninterest income to average assets | 0.1777% | 5,634 |
| Noninterest expense to average assets | 2.1662% | 5,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7844% | 3,469 |
| Return on assets (ROA) | 0.7888% | 3,545 |
| Pretax return on assets | 1.0588% | 3,345 |
| Return on Equity (ROE) | 7.1059% | 3,546 |
| Retained earnings to average equity (ytd only) | 7.1059% | 1,653 |
| Net charge-offs to loans | 0.0876% | 2,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.7556% | 1,738 |
| Efficiency ratio | 65.1950% | 4,152 |
| Assets per employee ($millions) | 4.1784% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 4,130 |
| Loan loss allowance to noncurrent loans | 35.9547% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 2.3741% | 833 |
| Noncurrent loans to loans | 3.1737% | 597 |
| Net loans and leases to total assets | 62.5658% | 3,468 |
| Net loans and leases to deposits | 70.8191% | 3,840 |
| Net loans and leases to core deposits | 78.5337% | 3,525 |
| Total domestic deposits to total assets | 88.3460% | 1,471 |
| Equity capital to assets | 11.3094% | 2,569 |
| Core capital (leverage) ratio | 10.4892% | 2,979 |
| Tier 1 risk-based capital ratio | 16.1517% | 2,781 |
| Total risk-based capital ratio | 17.2667% | 2,808 |
| Memoranda: | ||
| Average total assets | $168,868,000 | 3,371 |
| Average earning assets | $157,860,670 | 3,337 |
| Average equity | $18,745,000 | 3,336 |
| Average total loans | $102,684,000 | 3,387 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7072% | 4,337 |
| Cost of funding earning assets | 0.5249% | 2,050 |
| Net interest margin | 3.1823% | 4,671 |
| Noninterest income to average assets | 0.2451% | 5,214 |
| Noninterest expense to average assets | 2.2034% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7594% | 3,490 |
| Return on assets (ROA) | 0.7683% | 3,575 |
| Pretax return on assets | 1.0251% | 3,405 |
| Return on Equity (ROE) | 6.9858% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.9858% | 2,018 |
| Net charge-offs to loans | 0.0396% | 2,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 932 |
| Efficiency ratio | 66.3736% | 4,084 |
| Assets per employee ($millions) | 4.1548% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 3,914 |
| Loan loss allowance to noncurrent loans | 36.8000% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 2.3582% | 932 |
| Noncurrent loans to loans | 3.2904% | 616 |
| Net loans and leases to total assets | 59.4846% | 3,732 |
| Net loans and leases to deposits | 67.1022% | 4,045 |
| Net loans and leases to core deposits | 74.2315% | 3,759 |
| Total domestic deposits to total assets | 88.6477% | 1,477 |
| Equity capital to assets | 11.0382% | 2,929 |
| Core capital (leverage) ratio | 10.1217% | 3,437 |
| Tier 1 risk-based capital ratio | 16.0619% | 2,893 |
| Total risk-based capital ratio | 17.2274% | 2,867 |
| Memoranda: | ||
| Average total assets | $169,734,000 | 3,372 |
| Average earning assets | $158,503,000 | 3,343 |
| Average equity | $18,666,500 | 3,373 |
| Average total loans | $101,137,500 | 3,433 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8943% | 4,138 |
| Cost of funding earning assets | 0.5532% | 2,183 |
| Net interest margin | 3.3411% | 4,436 |
| Noninterest income to average assets | 0.1274% | 6,053 |
| Noninterest expense to average assets | 2.2745% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7537% | 3,613 |
| Return on assets (ROA) | 0.7537% | 3,712 |
| Pretax return on assets | 0.9467% | 3,710 |
| Return on Equity (ROE) | 6.8327% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.8495% | 2,023 |
| Net charge-offs to loans | -0.0682% | 6,017 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8714% | 3,918 |
| Assets per employee ($millions) | 4.0267% | 3,894 |
| Cash dividends to net income (ytd only)* | 14.3902% | 3,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 3,698 |
| Loan loss allowance to noncurrent loans | 35.1899% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 2.4751% | 934 |
| Noncurrent loans to loans | 3.5656% | 566 |
| Net loans and leases to total assets | 58.2138% | 4,024 |
| Net loans and leases to deposits | 65.6397% | 4,366 |
| Net loans and leases to core deposits | 72.6531% | 4,065 |
| Total domestic deposits to total assets | 88.6869% | 1,415 |
| Equity capital to assets | 10.9565% | 2,940 |
| Core capital (leverage) ratio | 10.4475% | 3,002 |
| Tier 1 risk-based capital ratio | 17.0287% | 2,501 |
| Total risk-based capital ratio | 18.2676% | 2,461 |
| Memoranda: | ||
| Average total assets | $163,202,800 | 3,439 |
| Average earning assets | $151,118,400 | 3,425 |
| Average equity | $18,001,600 | 3,396 |
| Average total loans | $96,782,400 | 3,483 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 4,323 |
| Cost of funding earning assets | 0.5636% | 2,161 |
| Net interest margin | 3.2970% | 4,616 |
| Noninterest income to average assets | 0.1220% | 6,154 |
| Noninterest expense to average assets | 2.1427% | 5,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8228% | 3,326 |
| Return on assets (ROA) | 0.8228% | 3,413 |
| Pretax return on assets | 1.0272% | 3,481 |
| Return on Equity (ROE) | 7.4464% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.4464% | 1,595 |
| Net charge-offs to loans | -0.0514% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9961% | 4,046 |
| Assets per employee ($millions) | 4.0313% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 3,945 |
| Loan loss allowance to noncurrent loans | 39.2490% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 2.2761% | 1,201 |
| Noncurrent loans to loans | 3.1859% | 801 |
| Net loans and leases to total assets | 58.4343% | 4,015 |
| Net loans and leases to deposits | 66.0598% | 4,323 |
| Net loans and leases to core deposits | 72.7800% | 4,078 |
| Total domestic deposits to total assets | 88.4568% | 1,527 |
| Equity capital to assets | 11.2038% | 2,756 |
| Core capital (leverage) ratio | 10.6623% | 2,849 |
| Tier 1 risk-based capital ratio | 16.9691% | 2,632 |
| Total risk-based capital ratio | 18.1886% | 2,589 |
| Memoranda: | ||
| Average total assets | $161,722,750 | 3,498 |
| Average earning assets | $149,505,250 | 3,477 |
| Average equity | $17,869,500 | 3,434 |
| Average total loans | $96,052,000 | 3,531 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 4,187 |
| Cost of funding earning assets | 0.5773% | 2,098 |
| Net interest margin | 3.3098% | 4,548 |
| Noninterest income to average assets | 0.1458% | 6,091 |
| Noninterest expense to average assets | 2.1391% | 5,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8247% | 3,210 |
| Return on assets (ROA) | 0.8247% | 3,306 |
| Pretax return on assets | 1.0565% | 3,251 |
| Return on Equity (ROE) | 7.5000% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.5000% | 1,520 |
| Net charge-offs to loans | -0.0482% | 5,859 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3548% | 4,305 |
| Assets per employee ($millions) | 3.8911% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,131 |
| Loan loss allowance to noncurrent loans | 35.8116% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 2.3932% | 1,206 |
| Noncurrent loans to loans | 3.5021% | 758 |
| Net loans and leases to total assets | 59.6658% | 3,776 |
| Net loans and leases to deposits | 67.6265% | 4,091 |
| Net loans and leases to core deposits | 73.6854% | 3,873 |
| Total domestic deposits to total assets | 88.2284% | 1,770 |
| Equity capital to assets | 11.4149% | 2,502 |
| Core capital (leverage) ratio | 10.6230% | 2,798 |
| Tier 1 risk-based capital ratio | 16.8576% | 2,680 |
| Total risk-based capital ratio | 18.0799% | 2,660 |
| Memoranda: | ||
| Average total assets | $160,536,000 | 3,529 |
| Average earning assets | $147,925,330 | 3,519 |
| Average equity | $17,653,330 | 3,457 |
| Average total loans | $95,467,670 | 3,556 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 4,507 |
| Cost of funding earning assets | 0.5891% | 2,075 |
| Net interest margin | 3.2049% | 4,909 |
| Noninterest income to average assets | 0.1565% | 6,031 |
| Noninterest expense to average assets | 2.1809% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7129% | 3,620 |
| Return on assets (ROA) | 0.7129% | 3,705 |
| Pretax return on assets | 0.9215% | 3,617 |
| Return on Equity (ROE) | 6.6074% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.6074% | 2,228 |
| Net charge-offs to loans | -0.2147% | 6,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4139% | 4,294 |
| Assets per employee ($millions) | 4.0411% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 4,135 |
| Loan loss allowance to noncurrent loans | 41.8188% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 2.2643% | 1,453 |
| Noncurrent loans to loans | 3.1027% | 1,012 |
| Net loans and leases to total assets | 58.2138% | 3,808 |
| Net loans and leases to deposits | 65.5598% | 4,139 |
| Net loans and leases to core deposits | 71.2939% | 3,950 |
| Total domestic deposits to total assets | 88.7950% | 1,778 |
| Equity capital to assets | 10.9013% | 2,822 |
| Core capital (leverage) ratio | 10.3321% | 3,139 |
| Tier 1 risk-based capital ratio | 16.5790% | 2,855 |
| Total risk-based capital ratio | 17.8294% | 2,830 |
| Memoranda: | ||
| Average total assets | $161,035,500 | 3,547 |
| Average earning assets | $148,024,500 | 3,544 |
| Average equity | $17,374,500 | 3,500 |
| Average total loans | $95,002,500 | 3,582 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1073% | 3,710 |
| Cost of funding earning assets | 0.7447% | 1,533 |
| Net interest margin | 3.3626% | 4,426 |
| Noninterest income to average assets | 0.1578% | 6,144 |
| Noninterest expense to average assets | 2.1122% | 5,805 |
| Loan and lease loss provision to assets | 0.0757% | 3,591 |
| Net operating income to assets | 0.8034% | 3,276 |
| Return on assets (ROA) | 0.8034% | 3,374 |
| Pretax return on assets | 1.0047% | 3,331 |
| Return on Equity (ROE) | 7.4548% | 3,320 |
| Retained earnings to average equity (ytd only) | 6.4651% | 1,708 |
| Net charge-offs to loans | 0.4462% | 1,485 |
| Credit loss provision to net charge-offs | 28.0374% | 4,290 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,704 |
| Efficiency ratio | 65.0919% | 4,714 |
| Assets per employee ($millions) | 3.9129% | 4,041 |
| Cash dividends to net income (ytd only)* | 13.2757% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 4,377 |
| Loan loss allowance to noncurrent loans | 41.1663% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 2.1966% | 1,629 |
| Noncurrent loans to loans | 3.0432% | 1,139 |
| Net loans and leases to total assets | 58.2713% | 3,987 |
| Net loans and leases to deposits | 65.4778% | 4,356 |
| Net loans and leases to core deposits | 71.1029% | 4,173 |
| Total domestic deposits to total assets | 88.9939% | 1,631 |
| Equity capital to assets | 10.6764% | 2,955 |
| Core capital (leverage) ratio | 10.2894% | 3,161 |
| Tier 1 risk-based capital ratio | 16.3679% | 2,920 |
| Total risk-based capital ratio | 17.5813% | 2,904 |
| Memoranda: | ||
| Average total assets | $158,458,200 | 3,586 |
| Average earning assets | $143,015,000 | 3,618 |
| Average equity | $17,076,200 | 3,554 |
| Average total loans | $95,915,800 | 3,557 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 3,698 |
| Cost of funding earning assets | 0.7819% | 1,421 |
| Net interest margin | 3.3326% | 4,522 |
| Noninterest income to average assets | 0.1654% | 6,198 |
| Noninterest expense to average assets | 2.0190% | 5,974 |
| Loan and lease loss provision to assets | 0.1013% | 3,074 |
| Net operating income to assets | 0.8398% | 3,141 |
| Return on assets (ROA) | 0.8398% | 3,270 |
| Pretax return on assets | 1.0491% | 3,306 |
| Return on Equity (ROE) | 7.7748% | 3,247 |
| Retained earnings to average equity (ytd only) | 7.7748% | 1,514 |
| Net charge-offs to loans | 0.4309% | 1,488 |
| Credit loss provision to net charge-offs | 38.5852% | 3,733 |
| Earnings coverage of net charge-offs (x) | 4.3826% | 3,453 |
| Efficiency ratio | 62.5300% | 5,061 |
| Assets per employee ($millions) | 4.3124% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,097 |
| Loan loss allowance to noncurrent loans | 35.4751% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 2.6924% | 1,403 |
| Noncurrent loans to loans | 3.8262% | 946 |
| Net loans and leases to total assets | 59.3457% | 3,799 |
| Net loans and leases to deposits | 66.7414% | 4,210 |
| Net loans and leases to core deposits | 72.5709% | 4,023 |
| Total domestic deposits to total assets | 88.9189% | 1,604 |
| Equity capital to assets | 10.7445% | 3,016 |
| Core capital (leverage) ratio | 10.1932% | 3,414 |
| Tier 1 risk-based capital ratio | 15.8424% | 3,275 |
| Total risk-based capital ratio | 17.0935% | 3,227 |
| Memoranda: | ||
| Average total assets | $157,965,500 | 3,628 |
| Average earning assets | $142,389,000 | 3,662 |
| Average equity | $17,063,250 | 3,592 |
| Average total loans | $96,227,250 | 3,572 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 3,668 |
| Cost of funding earning assets | 0.8183% | 1,316 |
| Net interest margin | 3.2987% | 4,583 |
| Noninterest income to average assets | 0.2490% | 5,669 |
| Noninterest expense to average assets | 1.9919% | 6,064 |
| Loan and lease loss provision to assets | 0.1524% | 2,412 |
| Net operating income to assets | 0.8639% | 2,976 |
| Return on assets (ROA) | 0.8639% | 3,133 |
| Pretax return on assets | 1.0849% | 3,156 |
| Return on Equity (ROE) | 7.9829% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.9829% | 1,492 |
| Net charge-offs to loans | 0.2222% | 2,404 |
| Credit loss provision to net charge-offs | 112.1495% | 1,980 |
| Earnings coverage of net charge-offs (x) | 9.1028% | 2,324 |
| Efficiency ratio | 60.5429% | 5,397 |
| Assets per employee ($millions) | 4.1180% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 3,220 |
| Loan loss allowance to noncurrent loans | 41.0851% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.9319% | 1,391 |
| Noncurrent loans to loans | 3.8499% | 1,044 |
| Net loans and leases to total assets | 59.9215% | 3,668 |
| Net loans and leases to deposits | 67.5132% | 4,077 |
| Net loans and leases to core deposits | 73.9365% | 3,820 |
| Total domestic deposits to total assets | 88.7553% | 1,753 |
| Equity capital to assets | 10.8434% | 2,904 |
| Core capital (leverage) ratio | 10.0611% | 3,432 |
| Tier 1 risk-based capital ratio | 15.8055% | 3,311 |
| Total risk-based capital ratio | 17.0589% | 3,260 |
| Memoranda: | ||
| Average total assets | $157,434,000 | 3,656 |
| Average earning assets | $142,239,330 | 3,687 |
| Average equity | $17,036,330 | 3,617 |
| Average total loans | $96,304,670 | 3,578 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 3,860 |
| Cost of funding earning assets | 0.8470% | 1,266 |
| Net interest margin | 3.2202% | 4,845 |
| Noninterest income to average assets | 0.2660% | 5,555 |
| Noninterest expense to average assets | 2.0037% | 6,099 |
| Loan and lease loss provision to assets | 0.1900% | 1,942 |
| Net operating income to assets | 0.8081% | 3,111 |
| Return on assets (ROA) | 0.8081% | 3,246 |
| Pretax return on assets | 0.9904% | 3,396 |
| Return on Equity (ROE) | 7.4749% | 3,228 |
| Retained earnings to average equity (ytd only) | 7.4749% | 1,951 |
| Net charge-offs to loans | 0.1859% | 2,293 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 10.3556% | 1,751 |
| Efficiency ratio | 61.7343% | 5,338 |
| Assets per employee ($millions) | 3.8409% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,479 |
| Loan loss allowance to noncurrent loans | 34.0255% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 3.3586% | 1,291 |
| Noncurrent loans to loans | 4.6468% | 874 |
| Net loans and leases to total assets | 60.2409% | 3,384 |
| Net loans and leases to deposits | 67.8412% | 3,790 |
| Net loans and leases to core deposits | 74.2275% | 3,550 |
| Total domestic deposits to total assets | 88.7970% | 1,799 |
| Equity capital to assets | 10.9172% | 3,054 |
| Core capital (leverage) ratio | 9.6243% | 3,878 |
| Tier 1 risk-based capital ratio | 15.4365% | 3,569 |
| Total risk-based capital ratio | 16.6899% | 3,526 |
| Memoranda: | ||
| Average total assets | $157,909,500 | 3,684 |
| Average earning assets | $143,097,500 | 3,712 |
| Average equity | $17,070,500 | 3,659 |
| Average total loans | $96,820,000 | 3,596 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 4,471 |
| Cost of funding earning assets | 1.0676% | 1,034 |
| Net interest margin | 3.1636% | 5,660 |
| Noninterest income to average assets | 0.1435% | 6,315 |
| Noninterest expense to average assets | 2.0407% | 6,252 |
| Loan and lease loss provision to assets | 0.2787% | 2,425 |
| Net operating income to assets | 0.6622% | 3,919 |
| Return on assets (ROA) | 0.6622% | 4,186 |
| Pretax return on assets | 0.7362% | 4,536 |
| Return on Equity (ROE) | 6.1849% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.1211% | 2,621 |
| Net charge-offs to loans | 0.2254% | 3,588 |
| Credit loss provision to net charge-offs | 199.5392% | 1,308 |
| Earnings coverage of net charge-offs (x) | 7.2673% | 2,644 |
| Efficiency ratio | 65.5434% | 4,593 |
| Assets per employee ($millions) | 4.1669% | 3,621 |
| Cash dividends to net income (ytd only)* | 17.2012% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 3,590 |
| Loan loss allowance to noncurrent loans | 31.6391% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 3.5126% | 1,286 |
| Noncurrent loans to loans | 4.8555% | 843 |
| Net loans and leases to total assets | 60.4744% | 3,520 |
| Net loans and leases to deposits | 67.9711% | 3,987 |
| Net loans and leases to core deposits | 74.3218% | 3,739 |
| Total domestic deposits to total assets | 88.9708% | 1,581 |
| Equity capital to assets | 10.7040% | 3,278 |
| Core capital (leverage) ratio | 9.6310% | 3,918 |
| Tier 1 risk-based capital ratio | 14.9235% | 3,763 |
| Total risk-based capital ratio | 16.1766% | 3,712 |
| Memoranda: | ||
| Average total assets | $155,388,800 | 3,697 |
| Average earning assets | $143,035,000 | 3,677 |
| Average equity | $16,637,200 | 3,682 |
| Average total loans | $96,270,400 | 3,613 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2336% | 4,694 |
| Cost of funding earning assets | 1.1058% | 1,040 |
| Net interest margin | 3.1277% | 5,878 |
| Noninterest income to average assets | 0.1216% | 6,529 |
| Noninterest expense to average assets | 1.9726% | 6,395 |
| Loan and lease loss provision to assets | 0.3086% | 2,142 |
| Net operating income to assets | 0.6587% | 4,098 |
| Return on assets (ROA) | 0.6587% | 4,365 |
| Pretax return on assets | 0.7251% | 4,770 |
| Return on Equity (ROE) | 6.1515% | 4,262 |
| Retained earnings to average equity (ytd only) | 6.1515% | 2,600 |
| Net charge-offs to loans | 0.2083% | 3,483 |
| Credit loss provision to net charge-offs | 238.6667% | 1,159 |
| Earnings coverage of net charge-offs (x) | 7.9932% | 2,517 |
| Efficiency ratio | 64.3533% | 4,747 |
| Assets per employee ($millions) | 4.2716% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,740 |
| Loan loss allowance to noncurrent loans | 24.6846% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 4.4524% | 1,047 |
| Noncurrent loans to loans | 6.2716% | 628 |
| Net loans and leases to total assets | 59.8320% | 3,814 |
| Net loans and leases to deposits | 67.2893% | 4,290 |
| Net loans and leases to core deposits | 73.4286% | 4,060 |
| Total domestic deposits to total assets | 88.9175% | 1,479 |
| Equity capital to assets | 10.7567% | 3,547 |
| Core capital (leverage) ratio | 9.6446% | 4,053 |
| Tier 1 risk-based capital ratio | 15.0091% | 3,847 |
| Total risk-based capital ratio | 16.2628% | 3,792 |
| Memoranda: | ||
| Average total assets | $154,650,250 | 3,744 |
| Average earning assets | $142,634,500 | 3,723 |
| Average equity | $16,559,250 | 3,726 |
| Average total loans | $96,025,250 | 3,655 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2211% | 4,879 |
| Cost of funding earning assets | 1.1435% | 1,057 |
| Net interest margin | 3.0776% | 6,059 |
| Noninterest income to average assets | 0.1146% | 6,615 |
| Noninterest expense to average assets | 1.9464% | 6,524 |
| Loan and lease loss provision to assets | 0.3687% | 1,782 |
| Net operating income to assets | 0.5941% | 4,395 |
| Return on assets (ROA) | 0.5941% | 4,651 |
| Pretax return on assets | 0.6397% | 4,997 |
| Return on Equity (ROE) | 5.5569% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.5569% | 2,955 |
| Net charge-offs to loans | 0.2958% | 2,845 |
| Credit loss provision to net charge-offs | 199.2958% | 1,434 |
| Earnings coverage of net charge-offs (x) | 5.4507% | 2,834 |
| Efficiency ratio | 64.5944% | 4,785 |
| Assets per employee ($millions) | 4.0949% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 4,083 |
| Loan loss allowance to noncurrent loans | 20.2452% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 5.3210% | 862 |
| Noncurrent loans to loans | 7.3328% | 510 |
| Net loans and leases to total assets | 62.1944% | 3,392 |
| Net loans and leases to deposits | 70.1256% | 3,872 |
| Net loans and leases to core deposits | 76.5852% | 3,707 |
| Total domestic deposits to total assets | 88.6900% | 1,715 |
| Equity capital to assets | 10.9938% | 3,129 |
| Core capital (leverage) ratio | 9.4752% | 4,174 |
| Tier 1 risk-based capital ratio | 15.0258% | 3,757 |
| Total risk-based capital ratio | 16.2787% | 3,707 |
| Memoranda: | ||
| Average total assets | $153,516,670 | 3,779 |
| Average earning assets | $141,668,000 | 3,757 |
| Average equity | $16,412,000 | 3,744 |
| Average total loans | $96,016,330 | 3,667 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 5,005 |
| Cost of funding earning assets | 1.1833% | 1,055 |
| Net interest margin | 3.0435% | 6,205 |
| Noninterest income to average assets | 0.1890% | 6,247 |
| Noninterest expense to average assets | 2.0166% | 6,432 |
| Loan and lease loss provision to assets | 0.1942% | 3,003 |
| Net operating income to assets | 0.6808% | 3,973 |
| Return on assets (ROA) | 0.6808% | 4,191 |
| Pretax return on assets | 0.7947% | 4,430 |
| Return on Equity (ROE) | 6.4581% | 4,065 |
| Retained earnings to average equity (ytd only) | 6.4581% | 2,715 |
| Net charge-offs to loans | 0.3576% | 2,229 |
| Credit loss provision to net charge-offs | 87.2093% | 2,599 |
| Earnings coverage of net charge-offs (x) | 4.4419% | 2,570 |
| Efficiency ratio | 65.8053% | 4,596 |
| Assets per employee ($millions) | 4.1986% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 4,926 |
| Loan loss allowance to noncurrent loans | 21.4915% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 4.5144% | 1,183 |
| Noncurrent loans to loans | 6.1463% | 809 |
| Net loans and leases to total assets | 60.9760% | 3,457 |
| Net loans and leases to deposits | 68.3841% | 3,998 |
| Net loans and leases to core deposits | 74.2941% | 3,866 |
| Total domestic deposits to total assets | 89.1669% | 1,588 |
| Equity capital to assets | 10.5286% | 3,456 |
| Core capital (leverage) ratio | 9.3055% | 4,358 |
| Tier 1 risk-based capital ratio | 14.1466% | 4,360 |
| Total risk-based capital ratio | 15.3963% | 4,324 |
| Memoranda: | ||
| Average total assets | $154,519,000 | 3,795 |
| Average earning assets | $142,992,500 | 3,761 |
| Average equity | $16,289,500 | 3,766 |
| Average total loans | $96,198,500 | 3,682 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5834% | 4,741 |
| Cost of funding earning assets | 1.3621% | 1,195 |
| Net interest margin | 3.2213% | 6,031 |
| Noninterest income to average assets | 0.1546% | 6,378 |
| Noninterest expense to average assets | 2.2903% | 6,059 |
| Loan and lease loss provision to assets | 0.2466% | 3,743 |
| Net operating income to assets | 0.5671% | 4,163 |
| Return on assets (ROA) | 0.5671% | 4,340 |
| Pretax return on assets | 0.6104% | 4,664 |
| Return on Equity (ROE) | 5.4276% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.4072% | 3,037 |
| Net charge-offs to loans | 0.2899% | 3,961 |
| Credit loss provision to net charge-offs | 130.2817% | 2,352 |
| Earnings coverage of net charge-offs (x) | 4.5282% | 3,079 |
| Efficiency ratio | 71.5223% | 3,684 |
| Assets per employee ($millions) | 4.1538% | 3,542 |
| Cash dividends to net income (ytd only)* | 18.8014% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 4,772 |
| Loan loss allowance to noncurrent loans | 22.5295% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 4.3549% | 1,275 |
| Noncurrent loans to loans | 5.8888% | 859 |
| Net loans and leases to total assets | 61.8941% | 3,622 |
| Net loans and leases to deposits | 69.5008% | 4,192 |
| Net loans and leases to core deposits | 75.3274% | 4,062 |
| Total domestic deposits to total assets | 89.0552% | 1,504 |
| Equity capital to assets | 10.5557% | 3,465 |
| Core capital (leverage) ratio | 9.2707% | 4,372 |
| Tier 1 risk-based capital ratio | 14.5626% | 3,926 |
| Total risk-based capital ratio | 15.8142% | 3,901 |
| Memoranda: | ||
| Average total assets | $150,064,600 | 3,799 |
| Average earning assets | $139,416,200 | 3,759 |
| Average equity | $15,679,000 | 3,774 |
| Average total loans | $97,950,600 | 3,673 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6778% | 4,557 |
| Cost of funding earning assets | 1.4016% | 1,225 |
| Net interest margin | 3.2762% | 5,928 |
| Noninterest income to average assets | 0.2038% | 6,148 |
| Noninterest expense to average assets | 2.4072% | 5,748 |
| Loan and lease loss provision to assets | 0.2637% | 3,398 |
| Net operating income to assets | 0.5462% | 4,337 |
| Return on assets (ROA) | 0.5462% | 4,522 |
| Pretax return on assets | 0.5730% | 4,900 |
| Return on Equity (ROE) | 5.2413% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.2413% | 3,031 |
| Net charge-offs to loans | 0.3213% | 3,498 |
| Credit loss provision to net charge-offs | 124.4726% | 2,585 |
| Earnings coverage of net charge-offs (x) | 3.9494% | 3,236 |
| Efficiency ratio | 72.9953% | 3,363 |
| Assets per employee ($millions) | 4.2276% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 5,032 |
| Loan loss allowance to noncurrent loans | 22.7620% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 4.3701% | 1,379 |
| Noncurrent loans to loans | 5.6908% | 1,011 |
| Net loans and leases to total assets | 62.6354% | 3,580 |
| Net loans and leases to deposits | 70.3477% | 4,245 |
| Net loans and leases to core deposits | 76.0989% | 4,184 |
| Total domestic deposits to total assets | 89.0369% | 1,416 |
| Equity capital to assets | 10.5735% | 3,610 |
| Core capital (leverage) ratio | 9.3015% | 4,455 |
| Tier 1 risk-based capital ratio | 14.4473% | 4,016 |
| Total risk-based capital ratio | 15.6983% | 3,984 |
| Memoranda: | ||
| Average total assets | $149,158,250 | 3,841 |
| Average earning assets | $138,408,250 | 3,796 |
| Average equity | $15,543,000 | 3,818 |
| Average total loans | $98,337,250 | 3,687 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 4,161 |
| Cost of funding earning assets | 1.4355% | 1,256 |
| Net interest margin | 3.3466% | 5,718 |
| Noninterest income to average assets | 0.1958% | 6,269 |
| Noninterest expense to average assets | 2.4462% | 5,710 |
| Loan and lease loss provision to assets | 0.2970% | 3,027 |
| Net operating income to assets | 0.5360% | 4,348 |
| Return on assets (ROA) | 0.5360% | 4,491 |
| Pretax return on assets | 0.5589% | 4,884 |
| Return on Equity (ROE) | 5.1693% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.1693% | 2,900 |
| Net charge-offs to loans | 0.2285% | 3,755 |
| Credit loss provision to net charge-offs | 194.6903% | 1,550 |
| Earnings coverage of net charge-offs (x) | 5.6106% | 2,575 |
| Efficiency ratio | 72.8945% | 3,562 |
| Assets per employee ($millions) | 4.1341% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 4,915 |
| Loan loss allowance to noncurrent loans | 23.4108% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 4.5577% | 1,377 |
| Noncurrent loans to loans | 5.6892% | 1,089 |
| Net loans and leases to total assets | 64.7105% | 3,318 |
| Net loans and leases to deposits | 72.6585% | 4,014 |
| Net loans and leases to core deposits | 78.9296% | 3,942 |
| Total domestic deposits to total assets | 89.0611% | 1,498 |
| Equity capital to assets | 10.5808% | 3,405 |
| Core capital (leverage) ratio | 9.2338% | 4,348 |
| Tier 1 risk-based capital ratio | 14.1654% | 4,047 |
| Total risk-based capital ratio | 15.4168% | 4,012 |
| Memoranda: | ||
| Average total assets | $148,147,000 | 3,882 |
| Average earning assets | $137,511,000 | 3,826 |
| Average equity | $15,360,000 | 3,848 |
| Average total loans | $98,924,000 | 3,712 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 4,037 |
| Cost of funding earning assets | 1.4581% | 1,341 |
| Net interest margin | 3.3469% | 5,619 |
| Noninterest income to average assets | 0.2057% | 6,261 |
| Noninterest expense to average assets | 2.4167% | 5,835 |
| Loan and lease loss provision to assets | 0.2030% | 3,607 |
| Net operating income to assets | 0.6197% | 3,927 |
| Return on assets (ROA) | 0.6197% | 3,994 |
| Pretax return on assets | 0.6982% | 4,308 |
| Return on Equity (ROE) | 6.0396% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.0396% | 2,615 |
| Net charge-offs to loans | 0.1848% | 3,386 |
| Credit loss provision to net charge-offs | 163.0435% | 1,776 |
| Earnings coverage of net charge-offs (x) | 7.2391% | 1,976 |
| Efficiency ratio | 71.6150% | 3,940 |
| Assets per employee ($millions) | 5.5136% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 5,416 |
| Loan loss allowance to noncurrent loans | 25.0102% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 4.2702% | 1,530 |
| Noncurrent loans to loans | 4.9843% | 1,353 |
| Net loans and leases to total assets | 65.0281% | 3,234 |
| Net loans and leases to deposits | 72.7777% | 3,950 |
| Net loans and leases to core deposits | 79.4834% | 3,824 |
| Total domestic deposits to total assets | 89.3516% | 1,563 |
| Equity capital to assets | 10.3172% | 3,394 |
| Core capital (leverage) ratio | 9.0547% | 4,519 |
| Tier 1 risk-based capital ratio | 13.9165% | 4,129 |
| Total risk-based capital ratio | 15.1668% | 4,104 |
| Memoranda: | ||
| Average total assets | $147,807,500 | 3,918 |
| Average earning assets | $137,442,500 | 3,869 |
| Average equity | $15,166,500 | 3,869 |
| Average total loans | $99,583,000 | 3,735 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9895% | 4,613 |
| Cost of funding earning assets | 1.7363% | 1,435 |
| Net interest margin | 3.2532% | 6,120 |
| Noninterest income to average assets | 0.2338% | 6,132 |
| Noninterest expense to average assets | 2.2726% | 6,428 |
| Loan and lease loss provision to assets | 0.2075% | 5,172 |
| Net operating income to assets | 0.6233% | 3,571 |
| Return on assets (ROA) | 0.6233% | 3,732 |
| Pretax return on assets | 0.7582% | 3,767 |
| Return on Equity (ROE) | 6.1054% | 3,568 |
| Retained earnings to average equity (ytd only) | 5.1906% | 2,312 |
| Net charge-offs to loans | 0.2909% | 4,562 |
| Credit loss provision to net charge-offs | 103.8062% | 4,331 |
| Earnings coverage of net charge-offs (x) | 4.8304% | 2,786 |
| Efficiency ratio | 68.9169% | 4,386 |
| Assets per employee ($millions) | 4.7338% | 2,518 |
| Cash dividends to net income (ytd only)* | 14.9834% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 5,606 |
| Loan loss allowance to noncurrent loans | 21.5810% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 4.7456% | 1,381 |
| Noncurrent loans to loans | 5.4658% | 1,203 |
| Net loans and leases to total assets | 68.1070% | 2,964 |
| Net loans and leases to deposits | 76.1805% | 3,811 |
| Net loans and leases to core deposits | 83.2785% | 3,706 |
| Total domestic deposits to total assets | 89.4022% | 1,440 |
| Equity capital to assets | 10.2040% | 3,494 |
| Core capital (leverage) ratio | 9.1459% | 4,270 |
| Tier 1 risk-based capital ratio | 13.4060% | 4,289 |
| Total risk-based capital ratio | 14.6195% | 4,274 |
| Memoranda: | ||
| Average total assets | $144,549,000 | 3,976 |
| Average earning assets | $133,500,400 | 3,946 |
| Average equity | $14,757,400 | 3,980 |
| Average total loans | $99,361,600 | 3,813 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 4,548 |
| Cost of funding earning assets | 1.7966% | 1,431 |
| Net interest margin | 3.2621% | 6,135 |
| Noninterest income to average assets | 0.2305% | 6,247 |
| Noninterest expense to average assets | 2.2888% | 6,359 |
| Loan and lease loss provision to assets | 0.2083% | 4,981 |
| Net operating income to assets | 0.6509% | 3,640 |
| Return on assets (ROA) | 0.6509% | 3,808 |
| Pretax return on assets | 0.7444% | 4,100 |
| Return on Equity (ROE) | 6.3748% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.3748% | 2,157 |
| Net charge-offs to loans | 0.3208% | 4,055 |
| Credit loss provision to net charge-offs | 94.5378% | 4,586 |
| Earnings coverage of net charge-offs (x) | 4.3235% | 3,100 |
| Efficiency ratio | 69.3516% | 4,198 |
| Assets per employee ($millions) | 4.9814% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 5,631 |
| Loan loss allowance to noncurrent loans | 19.7466% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 5.0470% | 1,271 |
| Noncurrent loans to loans | 5.9202% | 1,067 |
| Net loans and leases to total assets | 68.4104% | 3,122 |
| Net loans and leases to deposits | 77.0113% | 4,010 |
| Net loans and leases to core deposits | 84.1604% | 3,910 |
| Total domestic deposits to total assets | 88.8317% | 1,492 |
| Equity capital to assets | 10.6360% | 3,367 |
| Core capital (leverage) ratio | 9.1537% | 4,455 |
| Tier 1 risk-based capital ratio | 13.4645% | 4,228 |
| Total risk-based capital ratio | 14.6658% | 4,222 |
| Memoranda: | ||
| Average total assets | $143,999,500 | 4,035 |
| Average earning assets | $132,917,000 | 4,008 |
| Average equity | $14,703,250 | 4,052 |
| Average total loans | $98,917,500 | 3,894 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 5,028 |
| Cost of funding earning assets | 1.8559% | 1,404 |
| Net interest margin | 3.1249% | 6,534 |
| Noninterest income to average assets | 0.2239% | 6,316 |
| Noninterest expense to average assets | 2.3108% | 6,325 |
| Loan and lease loss provision to assets | 0.2086% | 4,790 |
| Net operating income to assets | 0.5603% | 4,034 |
| Return on assets (ROA) | 0.5603% | 4,182 |
| Pretax return on assets | 0.5840% | 4,610 |
| Return on Equity (ROE) | 5.5653% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.5653% | 2,575 |
| Net charge-offs to loans | 0.3044% | 3,792 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 3.8000% | 3,174 |
| Efficiency ratio | 73.1631% | 3,631 |
| Assets per employee ($millions) | 4.9219% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 5,476 |
| Loan loss allowance to noncurrent loans | 17.8039% | 7,039 |
| Noncurrent assets plus other real estate owned to assets | 5.4262% | 1,143 |
| Noncurrent loans to loans | 6.7190% | 870 |
| Net loans and leases to total assets | 68.3986% | 3,268 |
| Net loans and leases to deposits | 76.5734% | 4,225 |
| Net loans and leases to core deposits | 83.9197% | 4,150 |
| Total domestic deposits to total assets | 89.3242% | 1,272 |
| Equity capital to assets | 10.3101% | 3,638 |
| Core capital (leverage) ratio | 9.0587% | 4,511 |
| Tier 1 risk-based capital ratio | 13.3156% | 4,197 |
| Total risk-based capital ratio | 14.5465% | 4,170 |
| Memoranda: | ||
| Average total assets | $143,845,330 | 4,060 |
| Average earning assets | $132,548,330 | 4,046 |
| Average equity | $14,482,670 | 4,092 |
| Average total loans | $98,558,000 | 3,942 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 4,993 |
| Cost of funding earning assets | 1.9615% | 1,205 |
| Net interest margin | 3.0449% | 6,728 |
| Noninterest income to average assets | 0.2299% | 6,309 |
| Noninterest expense to average assets | 2.1856% | 6,725 |
| Loan and lease loss provision to assets | 0.2078% | 4,425 |
| Net operating income to assets | 0.5900% | 3,936 |
| Return on assets (ROA) | 0.5900% | 4,082 |
| Pretax return on assets | 0.6316% | 4,484 |
| Return on Equity (ROE) | 5.9307% | 3,908 |
| Retained earnings to average equity (ytd only) | 5.9307% | 2,652 |
| Net charge-offs to loans | 0.4470% | 2,712 |
| Credit loss provision to net charge-offs | 68.1818% | 4,142 |
| Earnings coverage of net charge-offs (x) | 2.7545% | 3,167 |
| Efficiency ratio | 70.8791% | 4,140 |
| Assets per employee ($millions) | 5.1091% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 5,677 |
| Loan loss allowance to noncurrent loans | 16.9850% | 7,152 |
| Noncurrent assets plus other real estate owned to assets | 5.2875% | 1,188 |
| Noncurrent loans to loans | 6.8676% | 880 |
| Net loans and leases to total assets | 67.9347% | 3,402 |
| Net loans and leases to deposits | 75.9648% | 4,421 |
| Net loans and leases to core deposits | 83.1934% | 4,312 |
| Total domestic deposits to total assets | 89.4292% | 1,281 |
| Equity capital to assets | 10.1478% | 3,672 |
| Core capital (leverage) ratio | 8.6985% | 5,025 |
| Tier 1 risk-based capital ratio | 13.1638% | 4,234 |
| Total risk-based capital ratio | 14.3639% | 4,221 |
| Memoranda: | ||
| Average total assets | $144,401,000 | 4,121 |
| Average earning assets | $132,551,000 | 4,111 |
| Average equity | $14,366,000 | 4,153 |
| Average total loans | $98,432,000 | 4,003 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3642% | 4,867 |
| Cost of funding earning assets | 2.3526% | 1,449 |
| Net interest margin | 3.0116% | 6,616 |
| Noninterest income to average assets | 0.2498% | 6,319 |
| Noninterest expense to average assets | 2.3031% | 6,740 |
| Loan and lease loss provision to assets | 0.3426% | 4,740 |
| Net operating income to assets | 0.4225% | 4,039 |
| Return on assets (ROA) | 0.4225% | 4,141 |
| Pretax return on assets | 0.3697% | 4,580 |
| Return on Equity (ROE) | 4.2560% | 3,982 |
| Retained earnings to average equity (ytd only) | 3.0410% | 3,035 |
| Net charge-offs to loans | 0.2881% | 4,832 |
| Credit loss provision to net charge-offs | 172.6619% | 2,457 |
| Earnings coverage of net charge-offs (x) | 3.5899% | 3,284 |
| Efficiency ratio | 74.9822% | 3,716 |
| Assets per employee ($millions) | 5.2053% | 1,944 |
| Cash dividends to net income (ytd only)* | 28.5473% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 5,361 |
| Loan loss allowance to noncurrent loans | 20.3899% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 4.6546% | 1,372 |
| Noncurrent loans to loans | 5.8833% | 1,063 |
| Net loans and leases to total assets | 66.7945% | 3,973 |
| Net loans and leases to deposits | 74.3540% | 4,978 |
| Net loans and leases to core deposits | 93.4549% | 4,731 |
| Total domestic deposits to total assets | 89.8331% | 1,045 |
| Equity capital to assets | 9.7532% | 4,060 |
| Core capital (leverage) ratio | 8.6708% | 4,976 |
| Tier 1 risk-based capital ratio | 12.5283% | 4,501 |
| Total risk-based capital ratio | 13.7269% | 4,487 |
| Memoranda: | ||
| Average total assets | $140,114,600 | 4,125 |
| Average earning assets | $128,668,200 | 4,115 |
| Average equity | $13,909,800 | 4,276 |
| Average total loans | $96,497,400 | 4,050 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4151% | 4,875 |
| Cost of funding earning assets | 2.4166% | 1,573 |
| Net interest margin | 2.9985% | 6,615 |
| Noninterest income to average assets | 0.2278% | 6,596 |
| Noninterest expense to average assets | 2.2772% | 6,763 |
| Loan and lease loss provision to assets | 0.1971% | 5,416 |
| Net operating income to assets | 0.4989% | 3,992 |
| Return on assets (ROA) | 0.4989% | 4,083 |
| Pretax return on assets | 0.5075% | 4,500 |
| Return on Equity (ROE) | 5.0022% | 3,969 |
| Retained earnings to average equity (ytd only) | 5.0022% | 2,490 |
| Net charge-offs to loans | 0.3417% | 3,928 |
| Credit loss provision to net charge-offs | 83.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | 2.9797% | 3,746 |
| Efficiency ratio | 74.9516% | 3,701 |
| Assets per employee ($millions) | 5.1249% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 6,401 |
| Loan loss allowance to noncurrent loans | 18.8063% | 7,152 |
| Noncurrent assets plus other real estate owned to assets | 4.1925% | 1,497 |
| Noncurrent loans to loans | 5.2052% | 1,234 |
| Net loans and leases to total assets | 66.1935% | 4,386 |
| Net loans and leases to deposits | 73.9091% | 5,375 |
| Net loans and leases to core deposits | 93.5380% | 5,068 |
| Total domestic deposits to total assets | 89.5607% | 938 |
| Equity capital to assets | 10.0114% | 4,073 |
| Core capital (leverage) ratio | 8.8842% | 4,836 |
| Tier 1 risk-based capital ratio | 13.1889% | 4,059 |
| Total risk-based capital ratio | 14.1848% | 4,169 |
| Memoranda: | ||
| Average total assets | $138,706,500 | 4,167 |
| Average earning assets | $127,393,000 | 4,172 |
| Average equity | $13,833,500 | 4,329 |
| Average total loans | $95,988,500 | 4,082 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5335% | 4,424 |
| Cost of funding earning assets | 2.4797% | 1,686 |
| Net interest margin | 3.0538% | 6,385 |
| Noninterest income to average assets | 0.2465% | 6,519 |
| Noninterest expense to average assets | 2.2814% | 6,814 |
| Loan and lease loss provision to assets | 0.1896% | 5,143 |
| Net operating income to assets | 0.5383% | 3,946 |
| Return on assets (ROA) | 0.5383% | 4,049 |
| Pretax return on assets | 0.5689% | 4,413 |
| Return on Equity (ROE) | 5.4042% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.4042% | 2,292 |
| Net charge-offs to loans | 0.5020% | 2,823 |
| Credit loss provision to net charge-offs | 53.9419% | 5,698 |
| Earnings coverage of net charge-offs (x) | 2.1577% | 3,994 |
| Efficiency ratio | 73.6564% | 4,087 |
| Assets per employee ($millions) | 4.7837% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 6,733 |
| Loan loss allowance to noncurrent loans | 20.2659% | 7,115 |
| Noncurrent assets plus other real estate owned to assets | 3.9099% | 1,537 |
| Noncurrent loans to loans | 4.4781% | 1,437 |
| Net loans and leases to total assets | 68.3974% | 4,086 |
| Net loans and leases to deposits | 76.3637% | 5,111 |
| Net loans and leases to core deposits | 96.1085% | 4,893 |
| Total domestic deposits to total assets | 89.5679% | 1,013 |
| Equity capital to assets | 9.9462% | 4,022 |
| Core capital (leverage) ratio | 8.9726% | 4,677 |
| Tier 1 risk-based capital ratio | 13.0899% | 4,076 |
| Total risk-based capital ratio | 14.0169% | 4,224 |
| Memoranda: | ||
| Average total assets | $137,110,000 | 4,234 |
| Average earning assets | $125,417,330 | 4,236 |
| Average equity | $13,656,000 | 4,382 |
| Average total loans | $96,010,000 | 4,118 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5592% | 4,589 |
| Cost of funding earning assets | 2.5147% | 1,861 |
| Net interest margin | 3.0445% | 6,356 |
| Noninterest income to average assets | 0.2553% | 6,417 |
| Noninterest expense to average assets | 2.1540% | 6,999 |
| Loan and lease loss provision to assets | 0.1614% | 4,873 |
| Net operating income to assets | 0.6368% | 3,856 |
| Return on assets (ROA) | 0.6368% | 4,038 |
| Pretax return on assets | 0.7395% | 4,288 |
| Return on Equity (ROE) | 6.3894% | 3,871 |
| Retained earnings to average equity (ytd only) | 6.3894% | 2,467 |
| Net charge-offs to loans | 0.4618% | 2,290 |
| Credit loss provision to net charge-offs | 49.5495% | 4,696 |
| Earnings coverage of net charge-offs (x) | 2.7658% | 3,386 |
| Efficiency ratio | 69.0682% | 4,766 |
| Assets per employee ($millions) | 4.7226% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 6,375 |
| Loan loss allowance to noncurrent loans | 21.1587% | 7,103 |
| Noncurrent assets plus other real estate owned to assets | 3.5107% | 1,528 |
| Noncurrent loans to loans | 4.5776% | 1,245 |
| Net loans and leases to total assets | 68.9830% | 3,919 |
| Net loans and leases to deposits | 77.1023% | 5,074 |
| Net loans and leases to core deposits | 97.0099% | 4,845 |
| Total domestic deposits to total assets | 89.4695% | 1,023 |
| Equity capital to assets | 10.0530% | 3,940 |
| Core capital (leverage) ratio | 8.9050% | 4,856 |
| Tier 1 risk-based capital ratio | 12.9700% | 4,202 |
| Total risk-based capital ratio | 13.9601% | 4,303 |
| Memoranda: | ||
| Average total assets | $136,302,000 | 4,279 |
| Average earning assets | $125,341,000 | 4,259 |
| Average equity | $13,585,000 | 4,426 |
| Average total loans | $96,138,000 | 4,141 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1733% | 4,647 |
| Cost of funding earning assets | 2.8775% | 2,364 |
| Net interest margin | 3.2958% | 6,052 |
| Noninterest income to average assets | 0.2698% | 6,523 |
| Noninterest expense to average assets | 2.1256% | 7,173 |
| Loan and lease loss provision to assets | 0.0440% | 6,866 |
| Net operating income to assets | 0.9041% | 2,979 |
| Return on assets (ROA) | 0.9041% | 2,825 |
| Pretax return on assets | 1.1732% | 2,754 |
| Return on Equity (ROE) | 9.5333% | 2,423 |
| Retained earnings to average equity (ytd only) | 7.9715% | 852 |
| Net charge-offs to loans | 0.0551% | 5,993 |
| Credit loss provision to net charge-offs | 117.6471% | 4,575 |
| Earnings coverage of net charge-offs (x) | 32.5490% | 1,108 |
| Efficiency ratio | 62.1847% | 5,919 |
| Assets per employee ($millions) | 4.8446% | 2,124 |
| Cash dividends to net income (ytd only)* | 16.3828% | 4,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 5,924 |
| Loan loss allowance to noncurrent loans | 24.2694% | 7,043 |
| Noncurrent assets plus other real estate owned to assets | 3.0844% | 1,489 |
| Noncurrent loans to loans | 4.1682% | 1,166 |
| Net loans and leases to total assets | 70.6944% | 3,856 |
| Net loans and leases to deposits | 78.9867% | 5,199 |
| Net loans and leases to core deposits | 97.7225% | 5,068 |
| Total domestic deposits to total assets | 89.5017% | 849 |
| Equity capital to assets | 9.8798% | 4,185 |
| Core capital (leverage) ratio | 8.9950% | 4,748 |
| Tier 1 risk-based capital ratio | 12.6797% | 4,304 |
| Total risk-based capital ratio | 13.7263% | 4,354 |
| Memoranda: | ||
| Average total assets | $136,383,200 | 4,152 |
| Average earning assets | $127,161,200 | 4,105 |
| Average equity | $12,933,600 | 4,597 |
| Average total loans | $92,573,800 | 4,144 |