Home > Lee Bank and Trust Company > Performance and Condition Ratios
Lee Bank and Trust Company, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9048% | 1,188 |
| Cost of funding earning assets | 2.5134% | 966 |
| Net interest margin | 3.3914% | 2,123 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 1.9710% | 3,648 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 1.0630% | 1,765 |
| Return on assets (ROA) | 1.0024% | 1,929 |
| Pretax return on assets | 1.2522% | 1,766 |
| Return on Equity (ROE) | 8.7200% | 2,470 |
| Retained earnings to average equity (ytd only) | 8.7208% | 1,381 |
| Net charge-offs to loans | -0.0309% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.2298% | 3,499 |
| Assets per employee ($millions) | 5.8376% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 327 |
| Loan loss allowance to noncurrent loans | 309.0286% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 1,607 |
| Noncurrent loans to loans | 0.6797% | 1,298 |
| Net loans and leases to total assets | 50.2100% | 3,596 |
| Net loans and leases to deposits | 57.4041% | 3,657 |
| Net loans and leases to core deposits | 75.6740% | 3,000 |
| Total domestic deposits to total assets | 87.4600% | 1,615 |
| Equity capital to assets | 11.4956% | 1,309 |
| Core capital (leverage) ratio | 11.9817% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $248,202,500 | 2,711 |
| Average earning assets | $238,723,000 | 2,662 |
| Average equity | $28,529,500 | 2,423 |
| Average total loans | $129,288,000 | 2,909 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4833% | 1,183 |
| Cost of funding earning assets | 2.0296% | 885 |
| Net interest margin | 3.4537% | 2,294 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.9619% | 3,710 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.1745% | 1,708 |
| Return on assets (ROA) | 1.0424% | 2,063 |
| Pretax return on assets | 1.2936% | 1,882 |
| Return on Equity (ROE) | 9.6200% | 2,604 |
| Retained earnings to average equity (ytd only) | 7.8563% | 1,586 |
| Net charge-offs to loans | -0.0084% | 3,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.2329% | 3,576 |
| Assets per employee ($millions) | 5.9850% | 2,836 |
| Cash dividends to net income (ytd only)* | 18.3547% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0055% | 369 |
| Loan loss allowance to noncurrent loans | 194.0387% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 955 |
| Noncurrent loans to loans | 1.0335% | 716 |
| Net loans and leases to total assets | 51.8500% | 3,486 |
| Net loans and leases to deposits | 59.2405% | 3,569 |
| Net loans and leases to core deposits | 77.9087% | 2,844 |
| Total domestic deposits to total assets | 87.5300% | 1,506 |
| Equity capital to assets | 11.4933% | 1,287 |
| Core capital (leverage) ratio | 11.7488% | 1,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $247,210,400 | 2,705 |
| Average earning assets | $237,047,000 | 2,644 |
| Average equity | $26,781,200 | 2,416 |
| Average total loans | $131,532,800 | 2,851 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 1,494 |
| Cost of funding earning assets | 1.8761% | 893 |
| Net interest margin | 3.3029% | 2,681 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.9488% | 3,717 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.0468% | 2,228 |
| Return on assets (ROA) | 0.8710% | 2,777 |
| Pretax return on assets | 1.0751% | 2,640 |
| Return on Equity (ROE) | 8.1600% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.1636% | 1,900 |
| Net charge-offs to loans | -0.0121% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.8275% | 3,223 |
| Assets per employee ($millions) | 6.0285% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9255% | 452 |
| Loan loss allowance to noncurrent loans | 159.3790% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 727 |
| Noncurrent loans to loans | 1.2081% | 645 |
| Net loans and leases to total assets | 51.8300% | 3,508 |
| Net loans and leases to deposits | 60.1882% | 3,496 |
| Net loans and leases to core deposits | 79.2661% | 2,653 |
| Total domestic deposits to total assets | 86.1100% | 2,152 |
| Equity capital to assets | 11.0624% | 1,327 |
| Core capital (leverage) ratio | 11.8862% | 1,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3445% | 901 |
| Memoranda: | ||
| Average total assets | $247,666,250 | 2,701 |
| Average earning assets | $237,364,500 | 2,652 |
| Average equity | $26,425,750 | 2,424 |
| Average total loans | $131,954,500 | 2,845 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 1,625 |
| Cost of funding earning assets | 1.7105% | 870 |
| Net interest margin | 3.2518% | 2,861 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.9981% | 3,606 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.9979% | 2,426 |
| Return on assets (ROA) | 0.7683% | 3,183 |
| Pretax return on assets | 0.9418% | 3,066 |
| Return on Equity (ROE) | 7.2900% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.2894% | 2,199 |
| Net charge-offs to loans | -0.0196% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.8068% | 2,986 |
| Assets per employee ($millions) | 5.9546% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 579 |
| Loan loss allowance to noncurrent loans | 123.1472% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 517 |
| Noncurrent loans to loans | 1.4780% | 451 |
| Net loans and leases to total assets | 52.3200% | 3,383 |
| Net loans and leases to deposits | 58.7914% | 3,494 |
| Net loans and leases to core deposits | 77.6335% | 2,646 |
| Total domestic deposits to total assets | 89.0000% | 1,261 |
| Equity capital to assets | 10.8272% | 1,452 |
| Core capital (leverage) ratio | 11.4514% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1160% | 802 |
| Memoranda: | ||
| Average total assets | $247,831,667 | 2,702 |
| Average earning assets | $237,594,667 | 2,657 |
| Average equity | $26,120,000 | 2,457 |
| Average total loans | $132,401,667 | 2,842 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 1,717 |
| Cost of funding earning assets | 1.4459% | 948 |
| Net interest margin | 3.3147% | 2,843 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 2.1321% | 3,297 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.0069% | 2,507 |
| Return on assets (ROA) | 1.0069% | 2,473 |
| Pretax return on assets | 1.2420% | 2,328 |
| Return on Equity (ROE) | 9.6900% | 2,879 |
| Retained earnings to average equity (ytd only) | 9.6876% | 1,774 |
| Net charge-offs to loans | 0.0091% | 1,602 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 275.3333% | 394 |
| Efficiency ratio | 61.4199% | 2,761 |
| Assets per employee ($millions) | 5.7046% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 697 |
| Loan loss allowance to noncurrent loans | 261.5558% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 1,044 |
| Noncurrent loans to loans | 0.6762% | 1,118 |
| Net loans and leases to total assets | 51.3400% | 3,395 |
| Net loans and leases to deposits | 57.6219% | 3,475 |
| Net loans and leases to core deposits | 76.5133% | 2,488 |
| Total domestic deposits to total assets | 89.0900% | 1,514 |
| Equity capital to assets | 10.6632% | 1,480 |
| Core capital (leverage) ratio | 11.3288% | 1,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4948% | 612 |
| Memoranda: | ||
| Average total assets | $246,701,500 | 2,741 |
| Average earning assets | $236,523,000 | 2,691 |
| Average equity | $25,641,000 | 2,510 |
| Average total loans | $131,960,000 | 2,881 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 1,965 |
| Cost of funding earning assets | 0.6876% | 617 |
| Net interest margin | 3.2190% | 2,811 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.6535% | 1,668 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9154% | 2,894 |
| Return on assets (ROA) | 0.9154% | 2,839 |
| Pretax return on assets | 1.1286% | 2,673 |
| Return on Equity (ROE) | 7.6500% | 3,472 |
| Retained earnings to average equity (ytd only) | 5.4387% | 2,860 |
| Net charge-offs to loans | 0.0008% | 2,562 |
| Credit loss provision to net charge-offs | 24,000.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 2,564.0000% | 61 |
| Efficiency ratio | 68.0618% | 1,956 |
| Assets per employee ($millions) | 5.5091% | 3,211 |
| Cash dividends to net income (ytd only)* | 28.9125% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7047% | 797 |
| Loan loss allowance to noncurrent loans | 245.4447% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.5557% | 904 |
| Noncurrent loans to loans | 0.6946% | 1,080 |
| Net loans and leases to total assets | 53.8300% | 3,214 |
| Net loans and leases to deposits | 60.2831% | 3,314 |
| Net loans and leases to core deposits | 73.0831% | 2,644 |
| Total domestic deposits to total assets | 89.3000% | 1,633 |
| Equity capital to assets | 10.1143% | 1,655 |
| Core capital (leverage) ratio | 11.3781% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5026% | 514 |
| Memoranda: | ||
| Average total assets | $205,913,200 | 3,003 |
| Average earning assets | $195,742,000 | 2,966 |
| Average equity | $24,638,400 | 2,599 |
| Average total loans | $124,782,200 | 2,882 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 2,295 |
| Cost of funding earning assets | 0.4273% | 1,115 |
| Net interest margin | 3.1903% | 2,653 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.4160% | 2,274 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.5820% | 3,880 |
| Return on assets (ROA) | 0.5820% | 3,835 |
| Pretax return on assets | 0.7148% | 3,770 |
| Return on Equity (ROE) | 4.6400% | 4,050 |
| Retained earnings to average equity (ytd only) | 4.1023% | 3,408 |
| Net charge-offs to loans | -0.0054% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.2762% | 1,250 |
| Assets per employee ($millions) | 5.3523% | 3,370 |
| Cash dividends to net income (ytd only)* | 11.6414% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 737 |
| Loan loss allowance to noncurrent loans | 218.9296% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 730 |
| Noncurrent loans to loans | 0.8198% | 971 |
| Net loans and leases to total assets | 51.3300% | 3,356 |
| Net loans and leases to deposits | 57.5750% | 3,372 |
| Net loans and leases to core deposits | 70.1664% | 2,628 |
| Total domestic deposits to total assets | 89.1500% | 2,031 |
| Equity capital to assets | 10.2158% | 1,512 |
| Core capital (leverage) ratio | 13.4541% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8012% | 504 |
| Memoranda: | ||
| Average total assets | $196,791,750 | 3,084 |
| Average earning assets | $186,605,000 | 3,045 |
| Average equity | $24,668,750 | 2,639 |
| Average total loans | $122,791,000 | 2,902 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5942% | 1,861 |
| Cost of funding earning assets | 0.2463% | 2,319 |
| Net interest margin | 3.3479% | 1,768 |
| Noninterest income to average assets | 0.2349% | 3,773 |
| Noninterest expense to average assets | 2.5233% | 1,852 |
| Loan and lease loss provision to assets | 0.1305% | 743 |
| Net operating income to assets | 0.6025% | 3,619 |
| Return on assets (ROA) | 0.6025% | 3,567 |
| Pretax return on assets | 0.7450% | 3,465 |
| Return on Equity (ROE) | 4.4547% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.4547% | 2,905 |
| Net charge-offs to loans | -0.0228% | 3,929 |
| Credit loss provision to net charge-offs | -857.1429% | 3,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2400% | 1,481 |
| Assets per employee ($millions) | 4.2369% | 4,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7679% | 850 |
| Loan loss allowance to noncurrent loans | 195.1175% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 485 |
| Noncurrent loans to loans | 0.9060% | 925 |
| Net loans and leases to total assets | 64.3220% | 1,869 |
| Net loans and leases to deposits | 74.6449% | 1,791 |
| Net loans and leases to core deposits | 79.4497% | 1,752 |
| Total domestic deposits to total assets | 86.1707% | 3,206 |
| Equity capital to assets | 13.1400% | 642 |
| Core capital (leverage) ratio | 14.7647% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8089% | 431 |
| Memoranda: | ||
| Average total assets | $183,889,333 | 3,209 |
| Average earning assets | $173,781,000 | 3,182 |
| Average equity | $24,872,333 | 2,689 |
| Average total loans | $122,692,667 | 2,919 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5408% | 1,670 |
| Cost of funding earning assets | 0.2112% | 2,656 |
| Net interest margin | 3.3297% | 1,500 |
| Noninterest income to average assets | 0.2387% | 3,716 |
| Noninterest expense to average assets | 2.6437% | 1,495 |
| Loan and lease loss provision to assets | 0.1314% | 623 |
| Net operating income to assets | 0.4928% | 3,734 |
| Return on assets (ROA) | 0.4928% | 3,698 |
| Pretax return on assets | 0.6067% | 3,613 |
| Return on Equity (ROE) | 3.5913% | 3,970 |
| Retained earnings to average equity (ytd only) | 3.5913% | 3,079 |
| Net charge-offs to loans | -0.0098% | 3,577 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1736% | 1,298 |
| Assets per employee ($millions) | 4.2154% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6950% | 1,065 |
| Loan loss allowance to noncurrent loans | 168.1708% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0846% | 440 |
| Noncurrent loans to loans | 1.0079% | 902 |
| Net loans and leases to total assets | 66.7755% | 1,333 |
| Net loans and leases to deposits | 78.1445% | 1,274 |
| Net loans and leases to core deposits | 87.3151% | 1,061 |
| Total domestic deposits to total assets | 85.4514% | 3,417 |
| Equity capital to assets | 13.7382% | 565 |
| Core capital (leverage) ratio | 14.7861% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8101% | 387 |
| Memoranda: | ||
| Average total assets | $182,622,500 | 3,230 |
| Average earning assets | $172,389,000 | 3,205 |
| Average equity | $25,060,500 | 2,772 |
| Average total loans | $123,004,500 | 2,919 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9812% | 1,404 |
| Cost of funding earning assets | 0.3153% | 2,250 |
| Net interest margin | 3.6659% | 1,299 |
| Noninterest income to average assets | 0.2587% | 3,830 |
| Noninterest expense to average assets | 2.7392% | 1,517 |
| Loan and lease loss provision to assets | 0.1566% | 762 |
| Net operating income to assets | 0.6364% | 3,783 |
| Return on assets (ROA) | 0.6364% | 3,839 |
| Pretax return on assets | 0.7889% | 3,750 |
| Return on Equity (ROE) | 4.5426% | 4,096 |
| Retained earnings to average equity (ytd only) | 2.3355% | 3,876 |
| Net charge-offs to loans | 0.0826% | 979 |
| Credit loss provision to net charge-offs | 267.3267% | 1,131 |
| Earnings coverage of net charge-offs (x) | 16.1386% | 1,986 |
| Efficiency ratio | 74.3388% | 1,268 |
| Assets per employee ($millions) | 4.3806% | 4,210 |
| Cash dividends to net income (ytd only)* | 48.5871% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6471% | 1,161 |
| Loan loss allowance to noncurrent loans | 113.1991% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.3664% | 325 |
| Noncurrent loans to loans | 1.4550% | 635 |
| Net loans and leases to total assets | 65.6905% | 1,508 |
| Net loans and leases to deposits | 76.7960% | 1,511 |
| Net loans and leases to core deposits | 85.6459% | 1,226 |
| Total domestic deposits to total assets | 85.5390% | 3,073 |
| Equity capital to assets | 13.7072% | 722 |
| Core capital (leverage) ratio | 15.1406% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3951% | 423 |
| Memoranda: | ||
| Average total assets | $172,387,000 | 3,278 |
| Average earning assets | $161,106,400 | 3,267 |
| Average equity | $24,149,400 | 2,905 |
| Average total loans | $122,260,600 | 2,932 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 1,261 |
| Cost of funding earning assets | 0.3482% | 2,132 |
| Net interest margin | 3.7708% | 1,179 |
| Noninterest income to average assets | 0.2124% | 4,129 |
| Noninterest expense to average assets | 2.7958% | 1,350 |
| Loan and lease loss provision to assets | 0.1652% | 663 |
| Net operating income to assets | 0.6223% | 3,965 |
| Return on assets (ROA) | 0.6223% | 4,016 |
| Pretax return on assets | 0.7694% | 3,945 |
| Return on Equity (ROE) | 4.4160% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.4160% | 3,440 |
| Net charge-offs to loans | 0.0906% | 794 |
| Credit loss provision to net charge-offs | 253.0120% | 1,089 |
| Earnings coverage of net charge-offs (x) | 14.3133% | 1,894 |
| Efficiency ratio | 74.9473% | 1,132 |
| Assets per employee ($millions) | 4.0050% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 1,272 |
| Loan loss allowance to noncurrent loans | 185.7545% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0659% | 596 |
| Noncurrent loans to loans | 0.8751% | 1,313 |
| Net loans and leases to total assets | 71.3058% | 950 |
| Net loans and leases to deposits | 84.9231% | 893 |
| Net loans and leases to core deposits | 91.2391% | 968 |
| Total domestic deposits to total assets | 83.9651% | 3,462 |
| Equity capital to assets | 14.4767% | 639 |
| Core capital (leverage) ratio | 15.7484% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4949% | 457 |
| Memoranda: | ||
| Average total assets | $169,487,750 | 3,340 |
| Average earning assets | $158,121,500 | 3,330 |
| Average equity | $23,882,000 | 2,953 |
| Average total loans | $122,104,750 | 2,975 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1428% | 1,274 |
| Cost of funding earning assets | 0.3860% | 2,004 |
| Net interest margin | 3.7567% | 1,206 |
| Noninterest income to average assets | 0.1789% | 4,307 |
| Noninterest expense to average assets | 2.7814% | 1,396 |
| Loan and lease loss provision to assets | 0.1766% | 654 |
| Net operating income to assets | 0.5885% | 4,007 |
| Return on assets (ROA) | 0.5885% | 4,060 |
| Pretax return on assets | 0.7262% | 4,016 |
| Return on Equity (ROE) | 4.2148% | 4,295 |
| Retained earnings to average equity (ytd only) | 4.2148% | 3,453 |
| Net charge-offs to loans | 0.1359% | 586 |
| Credit loss provision to net charge-offs | 180.7229% | 1,087 |
| Earnings coverage of net charge-offs (x) | 9.2410% | 1,844 |
| Efficiency ratio | 75.4952% | 1,130 |
| Assets per employee ($millions) | 3.9708% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 1,270 |
| Loan loss allowance to noncurrent loans | 153.8831% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.1766% | 595 |
| Noncurrent loans to loans | 1.0402% | 1,180 |
| Net loans and leases to total assets | 69.1989% | 1,301 |
| Net loans and leases to deposits | 83.0782% | 1,121 |
| Net loans and leases to core deposits | 89.2078% | 1,192 |
| Total domestic deposits to total assets | 83.2937% | 3,643 |
| Equity capital to assets | 14.0684% | 702 |
| Core capital (leverage) ratio | 15.4198% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3685% | 463 |
| Memoranda: | ||
| Average total assets | $169,914,333 | 3,340 |
| Average earning assets | $158,541,333 | 3,324 |
| Average equity | $23,725,667 | 2,958 |
| Average total loans | $122,165,000 | 2,989 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 1,209 |
| Cost of funding earning assets | 0.4155% | 1,972 |
| Net interest margin | 3.7821% | 1,178 |
| Noninterest income to average assets | 0.0944% | 4,712 |
| Noninterest expense to average assets | 2.8413% | 1,281 |
| Loan and lease loss provision to assets | 0.2124% | 556 |
| Net operating income to assets | 0.4625% | 4,247 |
| Return on assets (ROA) | 0.4625% | 4,289 |
| Pretax return on assets | 0.5640% | 4,255 |
| Return on Equity (ROE) | 3.3251% | 4,408 |
| Retained earnings to average equity (ytd only) | 3.3251% | 3,680 |
| Net charge-offs to loans | 0.2435% | 346 |
| Credit loss provision to net charge-offs | 120.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 4.3867% | 1,732 |
| Efficiency ratio | 78.5388% | 922 |
| Assets per employee ($millions) | 3.9321% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 1,568 |
| Loan loss allowance to noncurrent loans | 139.1369% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 576 |
| Noncurrent loans to loans | 1.0859% | 1,225 |
| Net loans and leases to total assets | 72.0968% | 1,010 |
| Net loans and leases to deposits | 89.8293% | 704 |
| Net loans and leases to core deposits | 96.7952% | 854 |
| Total domestic deposits to total assets | 80.2598% | 4,170 |
| Equity capital to assets | 13.9614% | 680 |
| Core capital (leverage) ratio | 15.5051% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9433% | 456 |
| Memoranda: | ||
| Average total assets | $169,499,500 | 3,338 |
| Average earning assets | $157,900,500 | 3,333 |
| Average equity | $23,578,000 | 2,959 |
| Average total loans | $123,210,000 | 2,984 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 930 |
| Cost of funding earning assets | 0.5810% | 2,442 |
| Net interest margin | 4.0995% | 785 |
| Noninterest income to average assets | 0.5676% | 2,344 |
| Noninterest expense to average assets | 2.9687% | 1,506 |
| Loan and lease loss provision to assets | 0.2149% | 1,827 |
| Net operating income to assets | 0.9778% | 2,364 |
| Return on assets (ROA) | 0.9778% | 2,516 |
| Pretax return on assets | 1.1971% | 2,335 |
| Return on Equity (ROE) | 6.5186% | 3,399 |
| Retained earnings to average equity (ytd only) | 4.1884% | 2,720 |
| Net charge-offs to loans | 0.0784% | 1,690 |
| Credit loss provision to net charge-offs | 373.6264% | 1,512 |
| Earnings coverage of net charge-offs (x) | 24.5495% | 1,771 |
| Efficiency ratio | 67.7680% | 2,261 |
| Assets per employee ($millions) | 3.8618% | 4,466 |
| Cash dividends to net income (ytd only)* | 35.7466% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 1,538 |
| Loan loss allowance to noncurrent loans | 124.4966% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.3877% | 561 |
| Noncurrent loans to loans | 1.2149% | 1,146 |
| Net loans and leases to total assets | 71.0890% | 1,413 |
| Net loans and leases to deposits | 88.5631% | 1,038 |
| Net loans and leases to core deposits | 96.9337% | 1,068 |
| Total domestic deposits to total assets | 80.2693% | 4,005 |
| Equity capital to assets | 13.8596% | 829 |
| Core capital (leverage) ratio | 15.4768% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9620% | 439 |
| Memoranda: | ||
| Average total assets | $158,215,400 | 3,308 |
| Average earning assets | $147,164,800 | 3,299 |
| Average equity | $23,732,000 | 2,888 |
| Average total loans | $116,091,200 | 3,023 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7793% | 911 |
| Cost of funding earning assets | 0.6177% | 2,504 |
| Net interest margin | 4.1616% | 789 |
| Noninterest income to average assets | 0.5735% | 2,287 |
| Noninterest expense to average assets | 3.0205% | 1,400 |
| Loan and lease loss provision to assets | 0.1288% | 2,738 |
| Net operating income to assets | 1.0320% | 2,219 |
| Return on assets (ROA) | 1.0320% | 2,348 |
| Pretax return on assets | 1.2939% | 2,081 |
| Return on Equity (ROE) | 6.7401% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.7401% | 1,799 |
| Net charge-offs to loans | 0.0944% | 1,367 |
| Credit loss provision to net charge-offs | 185.1852% | 2,164 |
| Earnings coverage of net charge-offs (x) | 20.4568% | 1,898 |
| Efficiency ratio | 67.9807% | 2,197 |
| Assets per employee ($millions) | 3.6620% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 1,825 |
| Loan loss allowance to noncurrent loans | 110.7824% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 591 |
| Noncurrent loans to loans | 1.2458% | 1,216 |
| Net loans and leases to total assets | 74.7247% | 1,282 |
| Net loans and leases to deposits | 94.8854% | 854 |
| Net loans and leases to core deposits | 98.9497% | 1,245 |
| Total domestic deposits to total assets | 78.7527% | 4,092 |
| Equity capital to assets | 15.1025% | 614 |
| Core capital (leverage) ratio | 15.9723% | 419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2344% | 441 |
| Memoranda: | ||
| Average total assets | $155,289,750 | 3,312 |
| Average earning assets | $144,397,500 | 3,316 |
| Average equity | $23,777,500 | 2,885 |
| Average total loans | $114,452,000 | 3,051 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 1,089 |
| Cost of funding earning assets | 0.6484% | 2,705 |
| Net interest margin | 4.1859% | 956 |
| Noninterest income to average assets | 0.7265% | 1,650 |
| Noninterest expense to average assets | 3.0806% | 1,401 |
| Loan and lease loss provision to assets | 0.1174% | 2,847 |
| Net operating income to assets | 1.1647% | 1,744 |
| Return on assets (ROA) | 1.1647% | 1,872 |
| Pretax return on assets | 1.4269% | 1,654 |
| Return on Equity (ROE) | 7.5704% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.5704% | 1,437 |
| Net charge-offs to loans | 0.1626% | 919 |
| Credit loss provision to net charge-offs | 98.9011% | 2,420 |
| Earnings coverage of net charge-offs (x) | 13.0110% | 2,019 |
| Efficiency ratio | 66.6103% | 2,429 |
| Assets per employee ($millions) | 3.6547% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 1,655 |
| Loan loss allowance to noncurrent loans | 158.0235% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 988 |
| Noncurrent loans to loans | 0.8735% | 1,745 |
| Net loans and leases to total assets | 70.1592% | 2,005 |
| Net loans and leases to deposits | 89.5235% | 1,396 |
| Net loans and leases to core deposits | 95.3958% | 1,620 |
| Total domestic deposits to total assets | 78.3696% | 4,136 |
| Equity capital to assets | 14.5899% | 713 |
| Core capital (leverage) ratio | 16.2566% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5606% | 425 |
| Memoranda: | ||
| Average total assets | $153,344,333 | 3,316 |
| Average earning assets | $142,811,333 | 3,313 |
| Average equity | $23,592,000 | 2,884 |
| Average total loans | $111,907,333 | 3,072 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 1,194 |
| Cost of funding earning assets | 0.7272% | 2,796 |
| Net interest margin | 4.1718% | 977 |
| Noninterest income to average assets | 1.2884% | 533 |
| Noninterest expense to average assets | 3.2534% | 1,309 |
| Loan and lease loss provision to assets | 0.0812% | 2,690 |
| Net operating income to assets | 1.5617% | 680 |
| Return on assets (ROA) | 1.5617% | 748 |
| Pretax return on assets | 1.8513% | 626 |
| Return on Equity (ROE) | 9.8673% | 1,792 |
| Retained earnings to average equity (ytd only) | 9.8673% | 769 |
| Net charge-offs to loans | 0.1865% | 727 |
| Credit loss provision to net charge-offs | 58.8235% | 2,022 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,621 |
| Efficiency ratio | 62.7349% | 3,410 |
| Assets per employee ($millions) | 3.2387% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4228% | 1,617 |
| Loan loss allowance to noncurrent loans | 124.2212% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.5088% | 701 |
| Noncurrent loans to loans | 1.1453% | 1,450 |
| Net loans and leases to total assets | 75.8270% | 1,328 |
| Net loans and leases to deposits | 94.1545% | 1,063 |
| Net loans and leases to core deposits | 101.8844% | 1,335 |
| Total domestic deposits to total assets | 80.5346% | 3,757 |
| Equity capital to assets | 16.2624% | 537 |
| Core capital (leverage) ratio | 17.4029% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1957% | 382 |
| Memoranda: | ||
| Average total assets | $147,785,000 | 3,355 |
| Average earning assets | $138,071,500 | 3,338 |
| Average equity | $23,390,500 | 2,894 |
| Average total loans | $109,360,500 | 3,089 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0544% | 1,335 |
| Cost of funding earning assets | 0.8650% | 2,358 |
| Net interest margin | 4.1894% | 1,338 |
| Noninterest income to average assets | 0.5810% | 2,312 |
| Noninterest expense to average assets | 3.0788% | 1,815 |
| Loan and lease loss provision to assets | 0.0806% | 2,385 |
| Net operating income to assets | 1.0343% | 2,718 |
| Return on assets (ROA) | 1.0343% | 2,808 |
| Pretax return on assets | 1.3285% | 2,401 |
| Return on Equity (ROE) | 6.7130% | 3,657 |
| Retained earnings to average equity (ytd only) | 4.4593% | 2,727 |
| Net charge-offs to loans | 0.1403% | 1,388 |
| Credit loss provision to net charge-offs | 77.9221% | 2,820 |
| Earnings coverage of net charge-offs (x) | 13.6234% | 2,341 |
| Efficiency ratio | 68.6022% | 2,373 |
| Assets per employee ($millions) | 3.1879% | 4,712 |
| Cash dividends to net income (ytd only)* | 33.5714% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 1,176 |
| Loan loss allowance to noncurrent loans | 153.4663% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.3816% | 764 |
| Noncurrent loans to loans | 0.9877% | 1,541 |
| Net loans and leases to total assets | 70.0792% | 2,386 |
| Net loans and leases to deposits | 85.9281% | 2,101 |
| Net loans and leases to core deposits | 94.0438% | 2,057 |
| Total domestic deposits to total assets | 81.5556% | 3,629 |
| Equity capital to assets | 15.4042% | 706 |
| Core capital (leverage) ratio | 16.8883% | 426 |
| Tier 1 risk-based capital ratio | 26.6702% | 640 |
| Total risk-based capital ratio | 27.9259% | 623 |
| Memoranda: | ||
| Average total assets | $148,889,400 | 3,315 |
| Average earning assets | $138,848,800 | 3,294 |
| Average equity | $22,940,600 | 2,870 |
| Average total loans | $109,788,800 | 3,092 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 1,284 |
| Cost of funding earning assets | 0.8861% | 2,293 |
| Net interest margin | 4.2139% | 1,346 |
| Noninterest income to average assets | 0.3265% | 3,790 |
| Noninterest expense to average assets | 3.0899% | 1,735 |
| Loan and lease loss provision to assets | 0.0807% | 2,294 |
| Net operating income to assets | 0.8628% | 3,474 |
| Return on assets (ROA) | 0.8628% | 3,551 |
| Pretax return on assets | 1.0799% | 3,351 |
| Return on Equity (ROE) | 5.5996% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.5996% | 2,573 |
| Net charge-offs to loans | 0.1543% | 1,069 |
| Credit loss provision to net charge-offs | 70.3125% | 2,613 |
| Earnings coverage of net charge-offs (x) | 10.1095% | 2,523 |
| Efficiency ratio | 72.6947% | 1,739 |
| Assets per employee ($millions) | 3.2828% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4805% | 1,301 |
| Loan loss allowance to noncurrent loans | 142.3623% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 1.7218% | 583 |
| Noncurrent loans to loans | 1.0400% | 1,542 |
| Net loans and leases to total assets | 73.8497% | 1,846 |
| Net loans and leases to deposits | 91.2692% | 1,536 |
| Net loans and leases to core deposits | 100.5723% | 1,618 |
| Total domestic deposits to total assets | 80.9141% | 3,785 |
| Equity capital to assets | 16.2086% | 601 |
| Core capital (leverage) ratio | 16.6647% | 480 |
| Tier 1 risk-based capital ratio | 25.9700% | 708 |
| Total risk-based capital ratio | 27.2249% | 695 |
| Memoranda: | ||
| Average total assets | $148,654,500 | 3,351 |
| Average earning assets | $138,428,000 | 3,333 |
| Average equity | $22,905,750 | 2,895 |
| Average total loans | $110,582,250 | 3,110 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0046% | 1,474 |
| Cost of funding earning assets | 0.8704% | 2,299 |
| Net interest margin | 4.1342% | 1,513 |
| Noninterest income to average assets | 0.3332% | 3,706 |
| Noninterest expense to average assets | 3.0895% | 1,758 |
| Loan and lease loss provision to assets | 0.0800% | 2,233 |
| Net operating income to assets | 0.8183% | 3,592 |
| Return on assets (ROA) | 0.8183% | 3,645 |
| Pretax return on assets | 1.0129% | 3,497 |
| Return on Equity (ROE) | 5.4009% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.4009% | 2,577 |
| Net charge-offs to loans | 0.0593% | 1,801 |
| Credit loss provision to net charge-offs | 181.8182% | 1,304 |
| Earnings coverage of net charge-offs (x) | 24.8485% | 1,616 |
| Efficiency ratio | 73.8687% | 1,661 |
| Assets per employee ($millions) | 3.4046% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,334 |
| Loan loss allowance to noncurrent loans | 164.5607% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 1.9312% | 492 |
| Noncurrent loans to loans | 0.8996% | 1,814 |
| Net loans and leases to total assets | 74.0568% | 1,880 |
| Net loans and leases to deposits | 90.4326% | 1,687 |
| Net loans and leases to core deposits | 100.2911% | 1,697 |
| Total domestic deposits to total assets | 81.8917% | 3,543 |
| Equity capital to assets | 15.4048% | 727 |
| Core capital (leverage) ratio | 16.5396% | 479 |
| Tier 1 risk-based capital ratio | 24.8825% | 763 |
| Total risk-based capital ratio | 26.1375% | 746 |
| Memoranda: | ||
| Average total assets | $150,058,670 | 3,350 |
| Average earning assets | $139,711,670 | 3,335 |
| Average equity | $22,737,000 | 2,907 |
| Average total loans | $111,352,000 | 3,110 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 1,380 |
| Cost of funding earning assets | 0.8596% | 2,212 |
| Net interest margin | 4.1211% | 1,496 |
| Noninterest income to average assets | 0.3116% | 3,778 |
| Noninterest expense to average assets | 3.1161% | 1,698 |
| Loan and lease loss provision to assets | 0.0799% | 2,097 |
| Net operating income to assets | 0.7670% | 3,721 |
| Return on assets (ROA) | 0.7670% | 3,766 |
| Pretax return on assets | 0.9588% | 3,589 |
| Return on Equity (ROE) | 5.1048% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.1048% | 2,859 |
| Net charge-offs to loans | -0.0867% | 4,990 |
| Credit loss provision to net charge-offs | -125.0000% | 3,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,608 |
| Assets per employee ($millions) | 3.3162% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 1,223 |
| Loan loss allowance to noncurrent loans | 181.3904% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.5815% | 732 |
| Noncurrent loans to loans | 0.8469% | 1,940 |
| Net loans and leases to total assets | 72.8461% | 2,013 |
| Net loans and leases to deposits | 87.9207% | 1,883 |
| Net loans and leases to core deposits | 97.3841% | 1,826 |
| Total domestic deposits to total assets | 82.8543% | 3,437 |
| Equity capital to assets | 15.2251% | 707 |
| Core capital (leverage) ratio | 16.0344% | 527 |
| Tier 1 risk-based capital ratio | 25.6343% | 710 |
| Total risk-based capital ratio | 26.8907% | 696 |
| Memoranda: | ||
| Average total assets | $150,186,000 | 3,382 |
| Average earning assets | $140,059,500 | 3,367 |
| Average equity | $22,567,000 | 2,923 |
| Average total loans | $110,724,500 | 3,154 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9110% | 1,255 |
| Cost of funding earning assets | 0.6560% | 2,348 |
| Net interest margin | 4.2550% | 1,262 |
| Noninterest income to average assets | 0.3746% | 3,586 |
| Noninterest expense to average assets | 3.1636% | 1,640 |
| Loan and lease loss provision to assets | 0.0598% | 2,968 |
| Net operating income to assets | 0.8601% | 3,578 |
| Return on assets (ROA) | 0.8601% | 3,572 |
| Pretax return on assets | 1.0800% | 3,349 |
| Return on Equity (ROE) | 5.9095% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.5959% | 3,606 |
| Net charge-offs to loans | 0.1915% | 999 |
| Credit loss provision to net charge-offs | 41.0959% | 3,273 |
| Earnings coverage of net charge-offs (x) | 7.8356% | 2,951 |
| Efficiency ratio | 73.5144% | 1,701 |
| Assets per employee ($millions) | 3.1489% | 4,888 |
| Cash dividends to net income (ytd only)* | 39.1506% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,364 |
| Loan loss allowance to noncurrent loans | 140.1709% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.7711% | 586 |
| Noncurrent loans to loans | 1.0536% | 1,547 |
| Net loans and leases to total assets | 72.3855% | 2,192 |
| Net loans and leases to deposits | 86.8041% | 2,178 |
| Net loans and leases to core deposits | 96.8975% | 1,972 |
| Total domestic deposits to total assets | 83.3895% | 3,197 |
| Equity capital to assets | 14.8295% | 751 |
| Core capital (leverage) ratio | 15.8230% | 544 |
| Tier 1 risk-based capital ratio | 24.7204% | 763 |
| Total risk-based capital ratio | 25.9755% | 749 |
| Memoranda: | ||
| Average total assets | $150,557,200 | 3,379 |
| Average earning assets | $139,014,400 | 3,370 |
| Average equity | $21,914,000 | 2,899 |
| Average total loans | $114,350,600 | 3,073 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 1,223 |
| Cost of funding earning assets | 0.6062% | 2,429 |
| Net interest margin | 4.2684% | 1,189 |
| Noninterest income to average assets | 0.3457% | 3,833 |
| Noninterest expense to average assets | 3.1788% | 1,577 |
| Loan and lease loss provision to assets | 0.0798% | 2,362 |
| Net operating income to assets | 0.8217% | 3,836 |
| Return on assets (ROA) | 0.8217% | 3,849 |
| Pretax return on assets | 1.0194% | 3,665 |
| Return on Equity (ROE) | 5.6724% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.6724% | 2,840 |
| Net charge-offs to loans | -0.0208% | 4,642 |
| Credit loss provision to net charge-offs | -500.0000% | 4,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3058% | 1,547 |
| Assets per employee ($millions) | 3.1357% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 978 |
| Loan loss allowance to noncurrent loans | 134.3571% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 2.2137% | 441 |
| Noncurrent loans to loans | 1.2232% | 1,380 |
| Net loans and leases to total assets | 74.7897% | 1,857 |
| Net loans and leases to deposits | 89.8948% | 1,915 |
| Net loans and leases to core deposits | 103.6032% | 1,482 |
| Total domestic deposits to total assets | 83.1969% | 3,234 |
| Equity capital to assets | 14.7794% | 765 |
| Core capital (leverage) ratio | 16.2143% | 489 |
| Tier 1 risk-based capital ratio | 23.9578% | 852 |
| Total risk-based capital ratio | 25.2151% | 834 |
| Memoranda: | ||
| Average total assets | $150,410,250 | 3,419 |
| Average earning assets | $138,565,500 | 3,413 |
| Average equity | $21,789,000 | 2,932 |
| Average total loans | $115,176,500 | 3,079 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 1,174 |
| Cost of funding earning assets | 0.5584% | 2,532 |
| Net interest margin | 4.2732% | 1,099 |
| Noninterest income to average assets | 0.3445% | 3,872 |
| Noninterest expense to average assets | 3.1854% | 1,576 |
| Loan and lease loss provision to assets | 0.0798% | 2,310 |
| Net operating income to assets | 0.8140% | 3,810 |
| Return on assets (ROA) | 0.8140% | 3,816 |
| Pretax return on assets | 1.0081% | 3,635 |
| Return on Equity (ROE) | 5.6570% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.6570% | 2,744 |
| Net charge-offs to loans | 0.0173% | 2,568 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 81.8000% | 814 |
| Efficiency ratio | 74.5409% | 1,634 |
| Assets per employee ($millions) | 3.0968% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 1,223 |
| Loan loss allowance to noncurrent loans | 135.0408% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 2.2429% | 424 |
| Noncurrent loans to loans | 1.1513% | 1,515 |
| Net loans and leases to total assets | 77.4830% | 1,396 |
| Net loans and leases to deposits | 93.0257% | 1,473 |
| Net loans and leases to core deposits | 101.8292% | 1,575 |
| Total domestic deposits to total assets | 83.2921% | 3,330 |
| Equity capital to assets | 14.7557% | 743 |
| Core capital (leverage) ratio | 15.9659% | 505 |
| Tier 1 risk-based capital ratio | 23.1025% | 925 |
| Total risk-based capital ratio | 24.3592% | 907 |
| Memoranda: | ||
| Average total assets | $150,375,670 | 3,432 |
| Average earning assets | $138,256,000 | 3,437 |
| Average equity | $21,637,000 | 2,957 |
| Average total loans | $115,418,670 | 3,088 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 1,280 |
| Cost of funding earning assets | 0.5175% | 2,661 |
| Net interest margin | 4.1950% | 1,187 |
| Noninterest income to average assets | 0.3385% | 3,891 |
| Noninterest expense to average assets | 3.2055% | 1,553 |
| Loan and lease loss provision to assets | 0.0793% | 2,192 |
| Net operating income to assets | 0.8014% | 3,698 |
| Return on assets (ROA) | 0.8014% | 3,710 |
| Pretax return on assets | 0.9125% | 3,810 |
| Return on Equity (ROE) | 5.6402% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.6402% | 2,876 |
| Net charge-offs to loans | 0.0314% | 1,870 |
| Credit loss provision to net charge-offs | 333.3333% | 760 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 1,046 |
| Efficiency ratio | 76.3705% | 1,549 |
| Assets per employee ($millions) | 3.0622% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 1,245 |
| Loan loss allowance to noncurrent loans | 154.5769% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 2.1220% | 511 |
| Noncurrent loans to loans | 1.0113% | 1,803 |
| Net loans and leases to total assets | 75.1190% | 1,687 |
| Net loans and leases to deposits | 89.2649% | 1,785 |
| Net loans and leases to core deposits | 98.3654% | 1,816 |
| Total domestic deposits to total assets | 84.1529% | 3,264 |
| Equity capital to assets | 14.4156% | 793 |
| Core capital (leverage) ratio | 15.7451% | 523 |
| Tier 1 risk-based capital ratio | 22.6523% | 975 |
| Total risk-based capital ratio | 23.9085% | 954 |
| Memoranda: | ||
| Average total assets | $151,239,500 | 3,455 |
| Average earning assets | $139,119,500 | 3,463 |
| Average equity | $21,488,500 | 2,999 |
| Average total loans | $114,630,000 | 3,127 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,360 |
| Cost of funding earning assets | 0.4155% | 3,091 |
| Net interest margin | 4.2106% | 1,169 |
| Noninterest income to average assets | 0.3285% | 4,121 |
| Noninterest expense to average assets | 3.0812% | 1,912 |
| Loan and lease loss provision to assets | 0.1115% | 2,035 |
| Net operating income to assets | 0.6006% | 4,010 |
| Return on assets (ROA) | 0.6006% | 4,049 |
| Pretax return on assets | 0.9967% | 3,584 |
| Return on Equity (ROE) | 4.2703% | 4,416 |
| Retained earnings to average equity (ytd only) | 1.9673% | 4,142 |
| Net charge-offs to loans | 0.5706% | 403 |
| Credit loss provision to net charge-offs | 26.8139% | 3,564 |
| Earnings coverage of net charge-offs (x) | 2.6656% | 3,722 |
| Efficiency ratio | 73.5483% | 1,970 |
| Assets per employee ($millions) | 3.0487% | 5,164 |
| Cash dividends to net income (ytd only)* | 53.9301% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 1,291 |
| Loan loss allowance to noncurrent loans | 177.6104% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.9766% | 570 |
| Noncurrent loans to loans | 0.8679% | 2,054 |
| Net loans and leases to total assets | 74.1231% | 1,898 |
| Net loans and leases to deposits | 87.5076% | 2,081 |
| Net loans and leases to core deposits | 99.4595% | 1,754 |
| Total domestic deposits to total assets | 84.7048% | 2,946 |
| Equity capital to assets | 14.0042% | 913 |
| Core capital (leverage) ratio | 15.7190% | 510 |
| Tier 1 risk-based capital ratio | 22.4187% | 972 |
| Total risk-based capital ratio | 23.6744% | 947 |
| Memoranda: | ||
| Average total assets | $152,507,600 | 3,437 |
| Average earning assets | $139,837,000 | 3,455 |
| Average equity | $21,450,400 | 2,998 |
| Average total loans | $111,119,200 | 3,164 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5912% | 1,393 |
| Cost of funding earning assets | 0.3979% | 3,221 |
| Net interest margin | 4.1933% | 1,165 |
| Noninterest income to average assets | 0.2631% | 4,626 |
| Noninterest expense to average assets | 3.1128% | 1,763 |
| Loan and lease loss provision to assets | 0.1399% | 1,520 |
| Net operating income to assets | 0.5909% | 4,420 |
| Return on assets (ROA) | 0.5909% | 4,460 |
| Pretax return on assets | 0.8523% | 4,201 |
| Return on Equity (ROE) | 4.1968% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.1968% | 3,399 |
| Net charge-offs to loans | 0.7694% | 242 |
| Credit loss provision to net charge-offs | 25.1572% | 3,117 |
| Earnings coverage of net charge-offs (x) | 1.7846% | 3,548 |
| Efficiency ratio | 75.8305% | 1,615 |
| Assets per employee ($millions) | 2.8156% | 5,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 1,285 |
| Loan loss allowance to noncurrent loans | 162.9286% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 2.2055% | 549 |
| Noncurrent loans to loans | 0.9692% | 1,989 |
| Net loans and leases to total assets | 76.3061% | 1,535 |
| Net loans and leases to deposits | 91.3640% | 1,642 |
| Net loans and leases to core deposits | 102.4555% | 1,513 |
| Total domestic deposits to total assets | 83.5188% | 3,281 |
| Equity capital to assets | 15.2054% | 689 |
| Core capital (leverage) ratio | 15.5338% | 571 |
| Tier 1 risk-based capital ratio | 22.9136% | 955 |
| Total risk-based capital ratio | 24.1694% | 941 |
| Memoranda: | ||
| Average total assets | $152,526,250 | 3,466 |
| Average earning assets | $139,743,250 | 3,487 |
| Average equity | $21,476,250 | 3,024 |
| Average total loans | $110,209,750 | 3,203 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 1,690 |
| Cost of funding earning assets | 0.3804% | 3,286 |
| Net interest margin | 4.0613% | 1,426 |
| Noninterest income to average assets | 0.2174% | 4,951 |
| Noninterest expense to average assets | 3.0559% | 1,955 |
| Loan and lease loss provision to assets | 0.1672% | 1,183 |
| Net operating income to assets | 0.5003% | 4,705 |
| Return on assets (ROA) | 0.5003% | 4,740 |
| Pretax return on assets | 0.7151% | 4,511 |
| Return on Equity (ROE) | 3.6428% | 4,941 |
| Retained earnings to average equity (ytd only) | 3.6428% | 3,539 |
| Net charge-offs to loans | 1.0798% | 184 |
| Credit loss provision to net charge-offs | 21.9224% | 2,775 |
| Earnings coverage of net charge-offs (x) | 1.1568% | 3,316 |
| Efficiency ratio | 77.5963% | 1,517 |
| Assets per employee ($millions) | 3.0305% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6108% | 1,239 |
| Loan loss allowance to noncurrent loans | 146.4020% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 2.1345% | 572 |
| Noncurrent loans to loans | 1.1003% | 1,779 |
| Net loans and leases to total assets | 69.9483% | 2,534 |
| Net loans and leases to deposits | 82.2830% | 2,673 |
| Net loans and leases to core deposits | 96.8971% | 1,897 |
| Total domestic deposits to total assets | 85.0094% | 2,805 |
| Equity capital to assets | 13.9444% | 983 |
| Core capital (leverage) ratio | 15.0756% | 611 |
| Tier 1 risk-based capital ratio | 23.3004% | 911 |
| Total risk-based capital ratio | 24.5568% | 898 |
| Memoranda: | ||
| Average total assets | $155,503,670 | 3,444 |
| Average earning assets | $142,465,000 | 3,457 |
| Average equity | $21,357,000 | 3,039 |
| Average total loans | $109,836,670 | 3,223 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 1,708 |
| Cost of funding earning assets | 0.3726% | 3,280 |
| Net interest margin | 4.0092% | 1,447 |
| Noninterest income to average assets | 0.3872% | 3,756 |
| Noninterest expense to average assets | 3.0569% | 1,991 |
| Loan and lease loss provision to assets | 0.2564% | 570 |
| Net operating income to assets | 0.4949% | 4,621 |
| Return on assets (ROA) | 0.4949% | 4,642 |
| Pretax return on assets | 0.7437% | 4,301 |
| Return on Equity (ROE) | 3.6313% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.6313% | 3,621 |
| Net charge-offs to loans | 0.2914% | 628 |
| Credit loss provision to net charge-offs | 125.0000% | 1,346 |
| Earnings coverage of net charge-offs (x) | 4.8750% | 2,340 |
| Efficiency ratio | 75.3477% | 2,013 |
| Assets per employee ($millions) | 3.0320% | 5,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 578 |
| Loan loss allowance to noncurrent loans | 85.9523% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 3.2587% | 282 |
| Noncurrent loans to loans | 2.4178% | 663 |
| Net loans and leases to total assets | 69.1735% | 2,507 |
| Net loans and leases to deposits | 81.4671% | 2,573 |
| Net loans and leases to core deposits | 95.3002% | 1,868 |
| Total domestic deposits to total assets | 84.9098% | 3,122 |
| Equity capital to assets | 13.8078% | 971 |
| Core capital (leverage) ratio | 14.7591% | 653 |
| Tier 1 risk-based capital ratio | 22.7070% | 1,012 |
| Total risk-based capital ratio | 23.9698% | 991 |
| Memoranda: | ||
| Average total assets | $155,977,000 | 3,475 |
| Average earning assets | $142,770,500 | 3,487 |
| Average equity | $21,259,500 | 3,058 |
| Average total loans | $109,815,000 | 3,250 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 1,135 |
| Cost of funding earning assets | 0.4012% | 2,986 |
| Net interest margin | 4.2614% | 993 |
| Noninterest income to average assets | 0.3165% | 4,468 |
| Noninterest expense to average assets | 3.0593% | 2,142 |
| Loan and lease loss provision to assets | 0.4148% | 366 |
| Net operating income to assets | 0.5175% | 4,560 |
| Return on assets (ROA) | 0.5175% | 4,645 |
| Pretax return on assets | 0.7403% | 4,373 |
| Return on Equity (ROE) | 3.7981% | 4,900 |
| Retained earnings to average equity (ytd only) | 1.7750% | 4,516 |
| Net charge-offs to loans | 0.1661% | 1,626 |
| Credit loss provision to net charge-offs | 351.3514% | 875 |
| Earnings coverage of net charge-offs (x) | 9.7838% | 2,717 |
| Efficiency ratio | 72.5924% | 2,491 |
| Assets per employee ($millions) | 3.0848% | 5,282 |
| Cash dividends to net income (ytd only)* | 53.2676% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 620 |
| Loan loss allowance to noncurrent loans | 72.8247% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 3.4191% | 261 |
| Noncurrent loans to loans | 2.7899% | 525 |
| Net loans and leases to total assets | 68.7460% | 2,659 |
| Net loans and leases to deposits | 80.5233% | 2,836 |
| Net loans and leases to core deposits | 95.7107% | 1,947 |
| Total domestic deposits to total assets | 85.3741% | 2,892 |
| Equity capital to assets | 13.4550% | 1,072 |
| Core capital (leverage) ratio | 14.5204% | 693 |
| Tier 1 risk-based capital ratio | 21.9756% | 1,086 |
| Total risk-based capital ratio | 23.2371% | 1,059 |
| Memoranda: | ||
| Average total assets | $156,701,400 | 3,429 |
| Average earning assets | $143,334,400 | 3,459 |
| Average equity | $21,352,600 | 3,036 |
| Average total loans | $111,351,000 | 3,195 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 1,079 |
| Cost of funding earning assets | 0.4071% | 2,956 |
| Net interest margin | 4.2869% | 951 |
| Noninterest income to average assets | 0.3143% | 4,520 |
| Noninterest expense to average assets | 3.1283% | 1,959 |
| Loan and lease loss provision to assets | 0.4258% | 326 |
| Net operating income to assets | 0.4974% | 4,707 |
| Return on assets (ROA) | 0.4974% | 4,799 |
| Pretax return on assets | 0.6797% | 4,669 |
| Return on Equity (ROE) | 3.6388% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.6388% | 3,711 |
| Net charge-offs to loans | 0.0502% | 2,655 |
| Credit loss provision to net charge-offs | 1,190.4762% | 350 |
| Earnings coverage of net charge-offs (x) | 30.9039% | 1,460 |
| Efficiency ratio | 73.8886% | 2,304 |
| Assets per employee ($millions) | 3.0027% | 5,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 701 |
| Loan loss allowance to noncurrent loans | 101.4097% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.9595% | 392 |
| Noncurrent loans to loans | 1.9934% | 993 |
| Net loans and leases to total assets | 69.2229% | 2,606 |
| Net loans and leases to deposits | 81.4769% | 2,800 |
| Net loans and leases to core deposits | 100.3593% | 1,601 |
| Total domestic deposits to total assets | 84.9602% | 2,824 |
| Equity capital to assets | 13.8825% | 1,085 |
| Core capital (leverage) ratio | 15.0864% | 611 |
| Tier 1 risk-based capital ratio | 23.4176% | 958 |
| Total risk-based capital ratio | 24.6805% | 936 |
| Memoranda: | ||
| Average total assets | $156,545,750 | 3,447 |
| Average earning assets | $143,131,000 | 3,475 |
| Average equity | $21,398,750 | 3,052 |
| Average total loans | $111,589,500 | 3,205 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7019% | 1,045 |
| Cost of funding earning assets | 0.4161% | 2,879 |
| Net interest margin | 4.2857% | 951 |
| Noninterest income to average assets | 0.2949% | 4,670 |
| Noninterest expense to average assets | 3.1172% | 2,011 |
| Loan and lease loss provision to assets | 0.4468% | 321 |
| Net operating income to assets | 0.4863% | 4,734 |
| Return on assets (ROA) | 0.4863% | 4,836 |
| Pretax return on assets | 0.6484% | 4,764 |
| Return on Equity (ROE) | 3.5764% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.5764% | 3,614 |
| Net charge-offs to loans | -0.2357% | 5,839 |
| Credit loss provision to net charge-offs | -265.1515% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0000% | 2,359 |
| Assets per employee ($millions) | 3.0574% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0452% | 682 |
| Loan loss allowance to noncurrent loans | 101.0319% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 2.9937% | 408 |
| Noncurrent loans to loans | 2.0243% | 977 |
| Net loans and leases to total assets | 69.1730% | 2,610 |
| Net loans and leases to deposits | 81.2450% | 2,787 |
| Net loans and leases to core deposits | 95.7139% | 2,004 |
| Total domestic deposits to total assets | 85.1412% | 2,804 |
| Equity capital to assets | 13.7846% | 1,106 |
| Core capital (leverage) ratio | 14.6566% | 679 |
| Tier 1 risk-based capital ratio | 22.8312% | 1,032 |
| Total risk-based capital ratio | 24.0933% | 1,014 |
| Memoranda: | ||
| Average total assets | $156,681,330 | 3,467 |
| Average earning assets | $143,219,330 | 3,488 |
| Average equity | $21,306,330 | 3,068 |
| Average total loans | $112,014,670 | 3,206 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7513% | 945 |
| Cost of funding earning assets | 0.4155% | 2,898 |
| Net interest margin | 4.3359% | 858 |
| Noninterest income to average assets | 0.2470% | 4,967 |
| Noninterest expense to average assets | 3.0893% | 2,125 |
| Loan and lease loss provision to assets | 0.5094% | 241 |
| Net operating income to assets | 0.4330% | 4,889 |
| Return on assets (ROA) | 0.4330% | 4,967 |
| Pretax return on assets | 0.6087% | 4,797 |
| Return on Equity (ROE) | 3.2057% | 5,157 |
| Retained earnings to average equity (ytd only) | 3.2057% | 3,898 |
| Net charge-offs to loans | -0.8038% | 6,030 |
| Credit loss provision to net charge-offs | -88.1057% | 4,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4262% | 2,571 |
| Assets per employee ($millions) | 3.1737% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0036% | 814 |
| Loan loss allowance to noncurrent loans | 133.8415% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 2.6222% | 547 |
| Noncurrent loans to loans | 1.4970% | 1,565 |
| Net loans and leases to total assets | 67.6544% | 2,702 |
| Net loans and leases to deposits | 79.2933% | 2,879 |
| Net loans and leases to core deposits | 93.4530% | 2,053 |
| Total domestic deposits to total assets | 85.3217% | 2,994 |
| Equity capital to assets | 13.4362% | 1,202 |
| Core capital (leverage) ratio | 14.7940% | 644 |
| Tier 1 risk-based capital ratio | 22.7572% | 1,046 |
| Total risk-based capital ratio | 24.0189% | 1,016 |
| Memoranda: | ||
| Average total assets | $157,058,000 | 3,478 |
| Average earning assets | $143,455,000 | 3,503 |
| Average equity | $21,212,500 | 3,085 |
| Average total loans | $112,966,000 | 3,199 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 764 |
| Cost of funding earning assets | 0.4558% | 2,570 |
| Net interest margin | 4.4463% | 719 |
| Noninterest income to average assets | 0.1953% | 5,415 |
| Noninterest expense to average assets | 3.0197% | 2,478 |
| Loan and lease loss provision to assets | 0.8379% | 113 |
| Net operating income to assets | 0.2946% | 5,376 |
| Return on assets (ROA) | 0.2946% | 5,455 |
| Pretax return on assets | 0.3932% | 5,328 |
| Return on Equity (ROE) | 2.1606% | 5,533 |
| Retained earnings to average equity (ytd only) | 1.2292% | 5,015 |
| Net charge-offs to loans | 1.3349% | 124 |
| Credit loss provision to net charge-offs | 85.2459% | 2,855 |
| Earnings coverage of net charge-offs (x) | 1.2525% | 4,119 |
| Efficiency ratio | 71.0387% | 3,061 |
| Assets per employee ($millions) | 3.0477% | 5,478 |
| Cash dividends to net income (ytd only)* | 43.1072% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,849 |
| Loan loss allowance to noncurrent loans | 69.3743% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 3.4549% | 346 |
| Noncurrent loans to loans | 2.2108% | 895 |
| Net loans and leases to total assets | 73.7269% | 1,772 |
| Net loans and leases to deposits | 86.3943% | 2,079 |
| Net loans and leases to core deposits | 95.9051% | 1,858 |
| Total domestic deposits to total assets | 85.3377% | 2,930 |
| Equity capital to assets | 13.5776% | 1,099 |
| Core capital (leverage) ratio | 14.8392% | 645 |
| Tier 1 risk-based capital ratio | 21.7177% | 1,187 |
| Total risk-based capital ratio | 22.9733% | 1,164 |
| Memoranda: | ||
| Average total assets | $155,148,200 | 3,490 |
| Average earning assets | $141,510,200 | 3,520 |
| Average equity | $21,151,400 | 3,053 |
| Average total loans | $114,243,600 | 3,135 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 743 |
| Cost of funding earning assets | 0.4619% | 2,561 |
| Net interest margin | 4.4535% | 719 |
| Noninterest income to average assets | 0.2089% | 5,396 |
| Noninterest expense to average assets | 3.0737% | 2,284 |
| Loan and lease loss provision to assets | 0.5159% | 197 |
| Net operating income to assets | 0.4858% | 4,842 |
| Return on assets (ROA) | 0.4858% | 4,934 |
| Pretax return on assets | 0.6809% | 4,748 |
| Return on Equity (ROE) | 3.5595% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.5595% | 3,937 |
| Net charge-offs to loans | 1.3344% | 120 |
| Credit loss provision to net charge-offs | 52.7241% | 3,007 |
| Earnings coverage of net charge-offs (x) | 1.2232% | 3,865 |
| Efficiency ratio | 71.9750% | 2,889 |
| Assets per employee ($millions) | 2.8323% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 3,225 |
| Loan loss allowance to noncurrent loans | 59.9918% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 3.5575% | 357 |
| Noncurrent loans to loans | 2.1280% | 1,052 |
| Net loans and leases to total assets | 73.6184% | 1,800 |
| Net loans and leases to deposits | 86.7610% | 2,058 |
| Net loans and leases to core deposits | 97.3189% | 1,760 |
| Total domestic deposits to total assets | 84.8520% | 3,076 |
| Equity capital to assets | 14.0195% | 1,012 |
| Core capital (leverage) ratio | 15.0811% | 621 |
| Tier 1 risk-based capital ratio | 22.6795% | 1,099 |
| Total risk-based capital ratio | 23.9315% | 1,077 |
| Memoranda: | ||
| Average total assets | $155,077,000 | 3,525 |
| Average earning assets | $141,426,750 | 3,554 |
| Average equity | $21,163,250 | 3,074 |
| Average total loans | $113,709,250 | 3,167 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 877 |
| Cost of funding earning assets | 0.4620% | 2,587 |
| Net interest margin | 4.3473% | 840 |
| Noninterest income to average assets | 0.1014% | 6,025 |
| Noninterest expense to average assets | 3.0298% | 2,464 |
| Loan and lease loss provision to assets | 0.3851% | 324 |
| Net operating income to assets | 0.4699% | 4,892 |
| Return on assets (ROA) | 0.4699% | 4,990 |
| Pretax return on assets | 0.6612% | 4,786 |
| Return on Equity (ROE) | 3.4741% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.4741% | 3,830 |
| Net charge-offs to loans | 1.7377% | 87 |
| Credit loss provision to net charge-offs | 30.3951% | 2,925 |
| Earnings coverage of net charge-offs (x) | 0.8257% | 3,614 |
| Efficiency ratio | 74.3307% | 2,639 |
| Assets per employee ($millions) | 2.9334% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 4,182 |
| Loan loss allowance to noncurrent loans | 29.8995% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 4.9110% | 232 |
| Noncurrent loans to loans | 3.7784% | 439 |
| Net loans and leases to total assets | 75.1034% | 1,490 |
| Net loans and leases to deposits | 88.3044% | 1,794 |
| Net loans and leases to core deposits | 95.7139% | 1,827 |
| Total domestic deposits to total assets | 85.0506% | 3,103 |
| Equity capital to assets | 13.9181% | 1,007 |
| Core capital (leverage) ratio | 14.8904% | 635 |
| Tier 1 risk-based capital ratio | 21.0205% | 1,356 |
| Total risk-based capital ratio | 22.2356% | 1,333 |
| Memoranda: | ||
| Average total assets | $155,788,000 | 3,547 |
| Average earning assets | $142,432,330 | 3,563 |
| Average equity | $21,070,330 | 3,103 |
| Average total loans | $113,595,330 | 3,189 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 982 |
| Cost of funding earning assets | 0.4662% | 2,598 |
| Net interest margin | 4.2649% | 952 |
| Noninterest income to average assets | 0.3456% | 4,436 |
| Noninterest expense to average assets | 2.9959% | 2,596 |
| Loan and lease loss provision to assets | 0.3812% | 320 |
| Net operating income to assets | 0.6149% | 4,218 |
| Return on assets (ROA) | 0.6149% | 4,307 |
| Pretax return on assets | 0.8741% | 3,987 |
| Return on Equity (ROE) | 4.6116% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.6116% | 3,264 |
| Net charge-offs to loans | 0.3450% | 708 |
| Credit loss provision to net charge-offs | 154.6392% | 1,227 |
| Earnings coverage of net charge-offs (x) | 5.0928% | 2,417 |
| Efficiency ratio | 70.4722% | 3,401 |
| Assets per employee ($millions) | 2.9740% | 5,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8266% | 1,440 |
| Loan loss allowance to noncurrent loans | 34.7149% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 5.3826% | 212 |
| Noncurrent loans to loans | 5.2616% | 238 |
| Net loans and leases to total assets | 71.3177% | 1,930 |
| Net loans and leases to deposits | 83.8076% | 2,107 |
| Net loans and leases to core deposits | 88.7339% | 2,248 |
| Total domestic deposits to total assets | 85.0969% | 3,357 |
| Equity capital to assets | 13.6538% | 1,106 |
| Core capital (leverage) ratio | 14.3242% | 732 |
| Tier 1 risk-based capital ratio | 21.4901% | 1,329 |
| Total risk-based capital ratio | 22.7487% | 1,299 |
| Memoranda: | ||
| Average total assets | $157,414,500 | 3,549 |
| Average earning assets | $144,154,000 | 3,561 |
| Average equity | $20,990,500 | 3,137 |
| Average total loans | $112,459,000 | 3,221 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 1,000 |
| Cost of funding earning assets | 0.5248% | 2,437 |
| Net interest margin | 4.3333% | 992 |
| Noninterest income to average assets | 0.4027% | 4,159 |
| Noninterest expense to average assets | 3.0325% | 2,747 |
| Loan and lease loss provision to assets | 0.3787% | 491 |
| Net operating income to assets | 0.6597% | 4,089 |
| Return on assets (ROA) | 0.6597% | 4,189 |
| Pretax return on assets | 0.9267% | 3,796 |
| Return on Equity (ROE) | 4.8789% | 4,722 |
| Retained earnings to average equity (ytd only) | 2.9880% | 4,111 |
| Net charge-offs to loans | 0.8956% | 360 |
| Credit loss provision to net charge-offs | 61.6016% | 3,256 |
| Earnings coverage of net charge-offs (x) | 2.1232% | 4,238 |
| Efficiency ratio | 69.9069% | 3,546 |
| Assets per employee ($millions) | 3.0223% | 5,670 |
| Cash dividends to net income (ytd only)* | 38.7560% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 1,584 |
| Loan loss allowance to noncurrent loans | 36.3124% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 4.9624% | 282 |
| Noncurrent loans to loans | 4.8900% | 310 |
| Net loans and leases to total assets | 69.0317% | 2,393 |
| Net loans and leases to deposits | 80.4506% | 2,667 |
| Net loans and leases to core deposits | 85.7339% | 2,715 |
| Total domestic deposits to total assets | 85.8062% | 2,945 |
| Equity capital to assets | 13.0264% | 1,360 |
| Core capital (leverage) ratio | 14.3060% | 748 |
| Tier 1 risk-based capital ratio | 19.9169% | 1,611 |
| Total risk-based capital ratio | 21.1738% | 1,582 |
| Memoranda: | ||
| Average total assets | $158,416,400 | 3,512 |
| Average earning assets | $143,861,800 | 3,539 |
| Average equity | $21,418,800 | 3,011 |
| Average total loans | $108,748,600 | 3,248 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8635% | 1,002 |
| Cost of funding earning assets | 0.5356% | 2,415 |
| Net interest margin | 4.3279% | 994 |
| Noninterest income to average assets | 0.3418% | 4,707 |
| Noninterest expense to average assets | 3.0671% | 2,572 |
| Loan and lease loss provision to assets | 0.3798% | 455 |
| Net operating income to assets | 0.5798% | 4,541 |
| Return on assets (ROA) | 0.5798% | 4,624 |
| Pretax return on assets | 0.8161% | 4,307 |
| Return on Equity (ROE) | 4.2491% | 5,063 |
| Retained earnings to average equity (ytd only) | 4.2491% | 3,633 |
| Net charge-offs to loans | 1.0291% | 291 |
| Credit loss provision to net charge-offs | 54.0865% | 3,042 |
| Earnings coverage of net charge-offs (x) | 1.7031% | 4,097 |
| Efficiency ratio | 71.9461% | 3,190 |
| Assets per employee ($millions) | 2.7967% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 1,655 |
| Loan loss allowance to noncurrent loans | 36.5441% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 5.3382% | 297 |
| Noncurrent loans to loans | 4.9761% | 370 |
| Net loans and leases to total assets | 69.7803% | 2,228 |
| Net loans and leases to deposits | 81.8257% | 2,452 |
| Net loans and leases to core deposits | 87.8476% | 2,446 |
| Total domestic deposits to total assets | 85.2793% | 3,231 |
| Equity capital to assets | 14.2292% | 933 |
| Core capital (leverage) ratio | 14.5309% | 714 |
| Tier 1 risk-based capital ratio | 20.4290% | 1,571 |
| Total risk-based capital ratio | 21.6862% | 1,531 |
| Memoranda: | ||
| Average total assets | $157,974,750 | 3,543 |
| Average earning assets | $143,131,000 | 3,591 |
| Average equity | $21,557,000 | 3,000 |
| Average total loans | $107,791,750 | 3,289 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 992 |
| Cost of funding earning assets | 0.5447% | 2,389 |
| Net interest margin | 4.3039% | 1,017 |
| Noninterest income to average assets | 0.4016% | 4,234 |
| Noninterest expense to average assets | 2.9970% | 2,840 |
| Loan and lease loss provision to assets | 0.3765% | 458 |
| Net operating income to assets | 0.6514% | 4,089 |
| Return on assets (ROA) | 0.6514% | 4,190 |
| Pretax return on assets | 0.9249% | 3,785 |
| Return on Equity (ROE) | 4.8398% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.8398% | 3,064 |
| Net charge-offs to loans | 1.2304% | 252 |
| Credit loss provision to net charge-offs | 45.4545% | 2,857 |
| Earnings coverage of net charge-offs (x) | 1.5712% | 3,769 |
| Efficiency ratio | 69.7226% | 3,705 |
| Assets per employee ($millions) | 2.9397% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 1,594 |
| Loan loss allowance to noncurrent loans | 31.0578% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 5.9473% | 252 |
| Noncurrent loans to loans | 6.1069% | 249 |
| Net loans and leases to total assets | 67.0608% | 2,566 |
| Net loans and leases to deposits | 78.3077% | 2,757 |
| Net loans and leases to core deposits | 86.2098% | 2,495 |
| Total domestic deposits to total assets | 85.6375% | 3,222 |
| Equity capital to assets | 13.9433% | 993 |
| Core capital (leverage) ratio | 14.2058% | 772 |
| Tier 1 risk-based capital ratio | 20.6136% | 1,538 |
| Total risk-based capital ratio | 21.8714% | 1,510 |
| Memoranda: | ||
| Average total assets | $159,360,670 | 3,545 |
| Average earning assets | $144,287,670 | 3,591 |
| Average equity | $21,447,000 | 3,004 |
| Average total loans | $107,281,670 | 3,301 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 1,106 |
| Cost of funding earning assets | 0.5513% | 2,409 |
| Net interest margin | 4.2181% | 1,166 |
| Noninterest income to average assets | 0.3922% | 4,256 |
| Noninterest expense to average assets | 2.9589% | 3,022 |
| Loan and lease loss provision to assets | 0.3723% | 456 |
| Net operating income to assets | 0.6206% | 4,096 |
| Return on assets (ROA) | 0.6206% | 4,178 |
| Pretax return on assets | 0.8787% | 3,786 |
| Return on Equity (ROE) | 4.6930% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.6930% | 3,299 |
| Net charge-offs to loans | 1.7349% | 171 |
| Credit loss provision to net charge-offs | 32.1199% | 2,379 |
| Earnings coverage of net charge-offs (x) | 1.0792% | 3,188 |
| Efficiency ratio | 70.2830% | 3,786 |
| Assets per employee ($millions) | 3.0842% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9349% | 1,659 |
| Loan loss allowance to noncurrent loans | 33.4304% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 5.8562% | 297 |
| Noncurrent loans to loans | 5.7878% | 329 |
| Net loans and leases to total assets | 65.3213% | 2,670 |
| Net loans and leases to deposits | 75.8357% | 2,828 |
| Net loans and leases to core deposits | 84.0711% | 2,503 |
| Total domestic deposits to total assets | 86.1353% | 3,287 |
| Equity capital to assets | 13.3584% | 1,152 |
| Core capital (leverage) ratio | 13.7904% | 894 |
| Tier 1 risk-based capital ratio | 20.2165% | 1,668 |
| Total risk-based capital ratio | 21.4744% | 1,631 |
| Memoranda: | ||
| Average total assets | $161,140,000 | 3,545 |
| Average earning assets | $145,847,500 | 3,593 |
| Average equity | $21,308,500 | 3,016 |
| Average total loans | $107,671,500 | 3,307 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0654% | 809 |
| Cost of funding earning assets | 0.6434% | 2,261 |
| Net interest margin | 4.4220% | 875 |
| Noninterest income to average assets | 0.2269% | 5,719 |
| Noninterest expense to average assets | 2.9395% | 3,231 |
| Loan and lease loss provision to assets | 0.4731% | 596 |
| Net operating income to assets | 0.5823% | 4,348 |
| Return on assets (ROA) | 0.5823% | 4,460 |
| Pretax return on assets | 0.8207% | 4,070 |
| Return on Equity (ROE) | 4.6207% | 4,828 |
| Retained earnings to average equity (ytd only) | 2.7195% | 4,303 |
| Net charge-offs to loans | 0.6475% | 1,001 |
| Credit loss provision to net charge-offs | 107.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 2.9299% | 4,019 |
| Efficiency ratio | 69.4369% | 3,931 |
| Assets per employee ($millions) | 3.0548% | 5,754 |
| Cash dividends to net income (ytd only)* | 41.1458% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1813% | 1,203 |
| Loan loss allowance to noncurrent loans | 38.2948% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 5.7980% | 342 |
| Noncurrent loans to loans | 5.6960% | 383 |
| Net loans and leases to total assets | 65.5631% | 2,759 |
| Net loans and leases to deposits | 75.9051% | 2,977 |
| Net loans and leases to core deposits | 80.8365% | 3,031 |
| Total domestic deposits to total assets | 86.3751% | 3,058 |
| Equity capital to assets | 13.0900% | 1,234 |
| Core capital (leverage) ratio | 13.6359% | 917 |
| Tier 1 risk-based capital ratio | 19.7416% | 1,719 |
| Total risk-based capital ratio | 21.0025% | 1,684 |
| Memoranda: | ||
| Average total assets | $164,860,400 | 3,492 |
| Average earning assets | $149,367,000 | 3,516 |
| Average equity | $20,776,200 | 3,075 |
| Average total loans | $112,439,600 | 3,202 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0963% | 775 |
| Cost of funding earning assets | 0.6607% | 2,259 |
| Net interest margin | 4.4356% | 830 |
| Noninterest income to average assets | 0.3398% | 4,974 |
| Noninterest expense to average assets | 2.9323% | 3,202 |
| Loan and lease loss provision to assets | 0.4710% | 593 |
| Net operating income to assets | 0.6795% | 3,956 |
| Return on assets (ROA) | 0.6795% | 4,102 |
| Pretax return on assets | 0.9581% | 3,656 |
| Return on Equity (ROE) | 5.4436% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.4436% | 2,761 |
| Net charge-offs to loans | 0.8817% | 657 |
| Credit loss provision to net charge-offs | 78.0000% | 2,895 |
| Earnings coverage of net charge-offs (x) | 2.3667% | 4,047 |
| Efficiency ratio | 67.2328% | 4,254 |
| Assets per employee ($millions) | 2.9191% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 1,845 |
| Loan loss allowance to noncurrent loans | 37.1908% | 5,736 |
| Noncurrent assets plus other real estate owned to assets | 5.8100% | 430 |
| Noncurrent loans to loans | 5.2481% | 545 |
| Net loans and leases to total assets | 67.2710% | 2,419 |
| Net loans and leases to deposits | 78.2775% | 2,614 |
| Net loans and leases to core deposits | 83.6094% | 2,688 |
| Total domestic deposits to total assets | 85.9391% | 3,296 |
| Equity capital to assets | 13.0743% | 1,304 |
| Core capital (leverage) ratio | 13.7991% | 923 |
| Tier 1 risk-based capital ratio | 20.0185% | 1,733 |
| Total risk-based capital ratio | 21.2771% | 1,704 |
| Memoranda: | ||
| Average total assets | $165,600,000 | 3,514 |
| Average earning assets | $150,145,750 | 3,530 |
| Average equity | $20,672,000 | 3,118 |
| Average total loans | $113,420,750 | 3,196 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0942% | 778 |
| Cost of funding earning assets | 0.6661% | 2,348 |
| Net interest margin | 4.4282% | 807 |
| Noninterest income to average assets | 0.3025% | 5,287 |
| Noninterest expense to average assets | 2.8598% | 3,478 |
| Loan and lease loss provision to assets | 0.4663% | 611 |
| Net operating income to assets | 0.7066% | 3,772 |
| Return on assets (ROA) | 0.7066% | 3,944 |
| Pretax return on assets | 0.9983% | 3,518 |
| Return on Equity (ROE) | 5.7474% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.7474% | 2,587 |
| Net charge-offs to loans | 0.9956% | 612 |
| Credit loss provision to net charge-offs | 68.4211% | 2,855 |
| Earnings coverage of net charge-offs (x) | 2.1491% | 3,809 |
| Efficiency ratio | 66.1322% | 4,528 |
| Assets per employee ($millions) | 3.0069% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 2,068 |
| Loan loss allowance to noncurrent loans | 35.6190% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 5.5183% | 530 |
| Noncurrent loans to loans | 5.3836% | 576 |
| Net loans and leases to total assets | 66.0334% | 2,583 |
| Net loans and leases to deposits | 76.3595% | 2,826 |
| Net loans and leases to core deposits | 81.3535% | 2,879 |
| Total domestic deposits to total assets | 86.4770% | 3,124 |
| Equity capital to assets | 12.5943% | 1,523 |
| Core capital (leverage) ratio | 13.2172% | 1,090 |
| Tier 1 risk-based capital ratio | 19.7133% | 1,790 |
| Total risk-based capital ratio | 20.9713% | 1,765 |
| Memoranda: | ||
| Average total assets | $167,282,670 | 3,507 |
| Average earning assets | $151,936,330 | 3,514 |
| Average equity | $20,565,670 | 3,147 |
| Average total loans | $114,509,330 | 3,176 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1536% | 673 |
| Cost of funding earning assets | 0.6809% | 2,378 |
| Net interest margin | 4.4728% | 708 |
| Noninterest income to average assets | 0.1831% | 6,169 |
| Noninterest expense to average assets | 2.8246% | 3,615 |
| Loan and lease loss provision to assets | 0.4636% | 601 |
| Net operating income to assets | 0.6800% | 3,783 |
| Return on assets (ROA) | 0.6800% | 3,938 |
| Pretax return on assets | 0.9558% | 3,544 |
| Return on Equity (ROE) | 5.5984% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.5984% | 2,900 |
| Net charge-offs to loans | 1.6090% | 322 |
| Credit loss provision to net charge-offs | 41.7559% | 2,723 |
| Earnings coverage of net charge-offs (x) | 1.2784% | 3,401 |
| Efficiency ratio | 66.5546% | 4,566 |
| Assets per employee ($millions) | 3.1019% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 2,663 |
| Loan loss allowance to noncurrent loans | 34.0614% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 5.4393% | 636 |
| Noncurrent loans to loans | 5.2477% | 715 |
| Net loans and leases to total assets | 67.0163% | 2,190 |
| Net loans and leases to deposits | 77.1772% | 2,467 |
| Net loans and leases to core deposits | 82.1490% | 2,549 |
| Total domestic deposits to total assets | 86.8343% | 3,056 |
| Equity capital to assets | 12.2839% | 1,848 |
| Core capital (leverage) ratio | 12.9151% | 1,148 |
| Tier 1 risk-based capital ratio | 18.9739% | 2,047 |
| Total risk-based capital ratio | 20.2307% | 2,021 |
| Memoranda: | ||
| Average total assets | $168,235,500 | 3,530 |
| Average earning assets | $152,747,000 | 3,546 |
| Average equity | $20,434,500 | 3,204 |
| Average total loans | $116,094,500 | 3,155 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 983 |
| Cost of funding earning assets | 0.8676% | 2,161 |
| Net interest margin | 4.4032% | 1,155 |
| Noninterest income to average assets | 0.1920% | 6,032 |
| Noninterest expense to average assets | 2.6845% | 4,456 |
| Loan and lease loss provision to assets | 0.4524% | 1,392 |
| Net operating income to assets | 0.7419% | 3,547 |
| Return on assets (ROA) | 0.7419% | 3,790 |
| Pretax return on assets | 1.0528% | 3,347 |
| Return on Equity (ROE) | 6.3612% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.3767% | 3,147 |
| Net charge-offs to loans | 0.7754% | 1,512 |
| Credit loss provision to net charge-offs | 83.6910% | 3,703 |
| Earnings coverage of net charge-offs (x) | 2.7843% | 4,037 |
| Efficiency ratio | 64.0731% | 4,870 |
| Assets per employee ($millions) | 3.1290% | 5,788 |
| Cash dividends to net income (ytd only)* | 31.1962% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9637% | 2,119 |
| Loan loss allowance to noncurrent loans | 37.1232% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 5.7461% | 630 |
| Noncurrent loans to loans | 5.2896% | 721 |
| Net loans and leases to total assets | 68.4015% | 2,119 |
| Net loans and leases to deposits | 78.5387% | 2,459 |
| Net loans and leases to core deposits | 83.8449% | 2,568 |
| Total domestic deposits to total assets | 87.0927% | 2,784 |
| Equity capital to assets | 12.0100% | 2,043 |
| Core capital (leverage) ratio | 12.8150% | 1,194 |
| Tier 1 risk-based capital ratio | 18.1983% | 2,192 |
| Total risk-based capital ratio | 19.4577% | 2,148 |
| Memoranda: | ||
| Average total assets | $172,399,800 | 3,411 |
| Average earning assets | $156,521,200 | 3,427 |
| Average equity | $20,106,400 | 3,194 |
| Average total loans | $120,199,600 | 3,071 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2654% | 1,071 |
| Cost of funding earning assets | 0.9033% | 2,151 |
| Net interest margin | 4.3621% | 1,317 |
| Noninterest income to average assets | 0.2817% | 5,526 |
| Noninterest expense to average assets | 2.6842% | 4,430 |
| Loan and lease loss provision to assets | 0.4502% | 1,393 |
| Net operating income to assets | 0.7795% | 3,549 |
| Return on assets (ROA) | 0.7795% | 3,795 |
| Pretax return on assets | 1.1089% | 3,321 |
| Return on Equity (ROE) | 6.7330% | 3,942 |
| Retained earnings to average equity (ytd only) | 6.7330% | 2,260 |
| Net charge-offs to loans | 0.7441% | 1,489 |
| Credit loss provision to net charge-offs | 86.7953% | 3,399 |
| Earnings coverage of net charge-offs (x) | 3.0060% | 3,830 |
| Efficiency ratio | 63.2572% | 4,935 |
| Assets per employee ($millions) | 3.0897% | 5,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 2,144 |
| Loan loss allowance to noncurrent loans | 37.9933% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 5.9296% | 680 |
| Noncurrent loans to loans | 5.2876% | 827 |
| Net loans and leases to total assets | 69.5227% | 2,009 |
| Net loans and leases to deposits | 80.1007% | 2,377 |
| Net loans and leases to core deposits | 85.4379% | 2,532 |
| Total domestic deposits to total assets | 86.7941% | 2,802 |
| Equity capital to assets | 12.3332% | 2,010 |
| Core capital (leverage) ratio | 12.7716% | 1,287 |
| Tier 1 risk-based capital ratio | 18.5326% | 2,157 |
| Total risk-based capital ratio | 19.7924% | 2,116 |
| Memoranda: | ||
| Average total assets | $173,258,000 | 3,437 |
| Average earning assets | $157,351,500 | 3,458 |
| Average equity | $20,059,750 | 3,229 |
| Average total loans | $120,776,750 | 3,098 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 1,201 |
| Cost of funding earning assets | 0.9299% | 2,184 |
| Net interest margin | 4.2898% | 1,498 |
| Noninterest income to average assets | 0.2326% | 5,905 |
| Noninterest expense to average assets | 2.6511% | 4,602 |
| Loan and lease loss provision to assets | 0.4447% | 1,452 |
| Net operating income to assets | 0.7423% | 3,637 |
| Return on assets (ROA) | 0.7423% | 3,916 |
| Pretax return on assets | 1.0399% | 3,558 |
| Return on Equity (ROE) | 6.5469% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.5469% | 2,360 |
| Net charge-offs to loans | 0.6448% | 1,706 |
| Credit loss provision to net charge-offs | 99.4898% | 2,793 |
| Earnings coverage of net charge-offs (x) | 3.3214% | 3,421 |
| Efficiency ratio | 64.1026% | 4,885 |
| Assets per employee ($millions) | 3.2321% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 2,074 |
| Loan loss allowance to noncurrent loans | 38.9477% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 5.7039% | 764 |
| Noncurrent loans to loans | 5.2964% | 897 |
| Net loans and leases to total assets | 68.3187% | 2,230 |
| Net loans and leases to deposits | 78.1928% | 2,640 |
| Net loans and leases to core deposits | 83.2269% | 2,794 |
| Total domestic deposits to total assets | 87.3721% | 2,552 |
| Equity capital to assets | 11.8007% | 2,311 |
| Core capital (leverage) ratio | 12.2208% | 1,487 |
| Tier 1 risk-based capital ratio | 17.8554% | 2,342 |
| Total risk-based capital ratio | 19.1156% | 2,307 |
| Memoranda: | ||
| Average total assets | $175,396,670 | 3,433 |
| Average earning assets | $159,587,000 | 3,435 |
| Average equity | $19,887,330 | 3,237 |
| Average total loans | $121,578,670 | 3,104 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1832% | 1,352 |
| Cost of funding earning assets | 0.9689% | 2,168 |
| Net interest margin | 4.2143% | 1,720 |
| Noninterest income to average assets | 0.3922% | 4,727 |
| Noninterest expense to average assets | 2.6284% | 4,713 |
| Loan and lease loss provision to assets | 0.4396% | 1,423 |
| Net operating income to assets | 0.8048% | 3,357 |
| Return on assets (ROA) | 0.8048% | 3,597 |
| Pretax return on assets | 1.1677% | 3,037 |
| Return on Equity (ROE) | 7.2401% | 3,636 |
| Retained earnings to average equity (ytd only) | 7.2401% | 2,307 |
| Net charge-offs to loans | 0.1957% | 2,943 |
| Credit loss provision to net charge-offs | 325.0000% | 921 |
| Earnings coverage of net charge-offs (x) | 11.8833% | 1,639 |
| Efficiency ratio | 62.0543% | 5,266 |
| Assets per employee ($millions) | 3.2825% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 1,948 |
| Loan loss allowance to noncurrent loans | 40.9570% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 5.6912% | 850 |
| Noncurrent loans to loans | 5.2974% | 1,031 |
| Net loans and leases to total assets | 66.1890% | 2,437 |
| Net loans and leases to deposits | 75.2390% | 2,936 |
| Net loans and leases to core deposits | 82.1050% | 2,821 |
| Total domestic deposits to total assets | 87.9716% | 2,342 |
| Equity capital to assets | 11.2070% | 2,709 |
| Core capital (leverage) ratio | 11.7702% | 1,724 |
| Tier 1 risk-based capital ratio | 17.2221% | 2,596 |
| Total risk-based capital ratio | 18.4830% | 2,557 |
| Memoranda: | ||
| Average total assets | $177,443,500 | 3,416 |
| Average earning assets | $161,829,000 | 3,411 |
| Average equity | $19,723,500 | 3,261 |
| Average total loans | $122,619,500 | 3,090 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4549% | 1,280 |
| Cost of funding earning assets | 1.3385% | 1,301 |
| Net interest margin | 4.1164% | 2,363 |
| Noninterest income to average assets | -0.0690% | 7,076 |
| Noninterest expense to average assets | 2.5498% | 5,296 |
| Loan and lease loss provision to assets | 0.4448% | 2,375 |
| Net operating income to assets | 0.4642% | 4,568 |
| Return on assets (ROA) | 0.4642% | 4,770 |
| Pretax return on assets | 0.6422% | 4,548 |
| Return on Equity (ROE) | 4.0928% | 4,809 |
| Retained earnings to average equity (ytd only) | 2.3330% | 4,557 |
| Net charge-offs to loans | 0.3943% | 3,439 |
| Credit loss provision to net charge-offs | 158.2150% | 1,755 |
| Earnings coverage of net charge-offs (x) | 3.8661% | 3,360 |
| Efficiency ratio | 70.1113% | 3,928 |
| Assets per employee ($millions) | 3.1720% | 5,765 |
| Cash dividends to net income (ytd only)* | 42.9975% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 2,375 |
| Loan loss allowance to noncurrent loans | 30.8414% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 6.3609% | 749 |
| Noncurrent loans to loans | 6.3832% | 748 |
| Net loans and leases to total assets | 69.1580% | 2,192 |
| Net loans and leases to deposits | 78.6194% | 2,742 |
| Net loans and leases to core deposits | 85.6529% | 2,675 |
| Total domestic deposits to total assets | 87.9655% | 2,188 |
| Equity capital to assets | 11.0240% | 2,957 |
| Core capital (leverage) ratio | 11.6436% | 1,795 |
| Tier 1 risk-based capital ratio | 16.6421% | 2,757 |
| Total risk-based capital ratio | 17.9016% | 2,713 |
| Memoranda: | ||
| Average total assets | $175,347,400 | 3,407 |
| Average earning assets | $157,858,200 | 3,444 |
| Average equity | $19,888,800 | 3,169 |
| Average total loans | $125,021,000 | 3,081 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4802% | 1,304 |
| Cost of funding earning assets | 1.4094% | 1,197 |
| Net interest margin | 4.0708% | 2,594 |
| Noninterest income to average assets | 0.0282% | 7,021 |
| Noninterest expense to average assets | 2.6090% | 5,045 |
| Loan and lease loss provision to assets | 0.4463% | 2,238 |
| Net operating income to assets | 0.4516% | 4,768 |
| Return on assets (ROA) | 0.4516% | 4,958 |
| Pretax return on assets | 0.6240% | 4,730 |
| Return on Equity (ROE) | 3.9534% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.9534% | 3,906 |
| Net charge-offs to loans | 0.4620% | 2,885 |
| Credit loss provision to net charge-offs | 135.1039% | 2,361 |
| Earnings coverage of net charge-offs (x) | 3.2402% | 3,528 |
| Efficiency ratio | 70.9102% | 3,759 |
| Assets per employee ($millions) | 3.0687% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 2,688 |
| Loan loss allowance to noncurrent loans | 31.6626% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 6.2487% | 839 |
| Noncurrent loans to loans | 5.9296% | 944 |
| Net loans and leases to total assets | 69.6479% | 2,149 |
| Net loans and leases to deposits | 79.2694% | 2,765 |
| Net loans and leases to core deposits | 86.5125% | 2,707 |
| Total domestic deposits to total assets | 87.8622% | 2,121 |
| Equity capital to assets | 11.5958% | 2,590 |
| Core capital (leverage) ratio | 11.7169% | 1,876 |
| Tier 1 risk-based capital ratio | 16.5191% | 2,854 |
| Total risk-based capital ratio | 17.7768% | 2,816 |
| Memoranda: | ||
| Average total assets | $174,776,500 | 3,434 |
| Average earning assets | $156,753,750 | 3,487 |
| Average equity | $19,965,500 | 3,145 |
| Average total loans | $124,948,000 | 3,103 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4320% | 1,469 |
| Cost of funding earning assets | 1.4601% | 1,161 |
| Net interest margin | 3.9719% | 2,981 |
| Noninterest income to average assets | 0.4006% | 4,677 |
| Noninterest expense to average assets | 2.5994% | 5,183 |
| Loan and lease loss provision to assets | 0.4464% | 2,195 |
| Net operating income to assets | 0.6467% | 3,813 |
| Return on assets (ROA) | 0.6467% | 3,941 |
| Pretax return on assets | 0.9168% | 3,555 |
| Return on Equity (ROE) | 5.6899% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.6899% | 2,597 |
| Net charge-offs to loans | 0.4744% | 2,674 |
| Credit loss provision to net charge-offs | 131.3131% | 2,327 |
| Earnings coverage of net charge-offs (x) | 4.0101% | 2,994 |
| Efficiency ratio | 65.5979% | 4,953 |
| Assets per employee ($millions) | 3.0905% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 2,956 |
| Loan loss allowance to noncurrent loans | 28.4284% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 6.8245% | 766 |
| Noncurrent loans to loans | 6.3667% | 893 |
| Net loans and leases to total assets | 69.9686% | 2,226 |
| Net loans and leases to deposits | 79.4933% | 2,887 |
| Net loans and leases to core deposits | 86.4900% | 2,829 |
| Total domestic deposits to total assets | 88.0182% | 2,122 |
| Equity capital to assets | 11.4567% | 2,543 |
| Core capital (leverage) ratio | 11.8215% | 1,707 |
| Tier 1 risk-based capital ratio | 16.3127% | 2,826 |
| Total risk-based capital ratio | 17.5699% | 2,793 |
| Memoranda: | ||
| Average total assets | $174,729,670 | 3,451 |
| Average earning assets | $156,700,000 | 3,514 |
| Average equity | $19,859,670 | 3,152 |
| Average total loans | $125,211,670 | 3,119 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4594% | 1,403 |
| Cost of funding earning assets | 1.5268% | 1,062 |
| Net interest margin | 3.9326% | 2,988 |
| Noninterest income to average assets | 0.3908% | 4,779 |
| Noninterest expense to average assets | 2.6297% | 5,116 |
| Loan and lease loss provision to assets | 0.4482% | 1,967 |
| Net operating income to assets | 0.5885% | 4,095 |
| Return on assets (ROA) | 0.5885% | 4,163 |
| Pretax return on assets | 0.8298% | 3,790 |
| Return on Equity (ROE) | 5.1984% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.1984% | 3,061 |
| Net charge-offs to loans | 0.6205% | 1,959 |
| Credit loss provision to net charge-offs | 100.5155% | 2,629 |
| Earnings coverage of net charge-offs (x) | 2.8660% | 2,936 |
| Efficiency ratio | 67.2941% | 4,788 |
| Assets per employee ($millions) | 3.0620% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7565% | 3,148 |
| Loan loss allowance to noncurrent loans | 27.5518% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 7.0227% | 758 |
| Noncurrent loans to loans | 6.3752% | 958 |
| Net loans and leases to total assets | 71.1406% | 1,894 |
| Net loans and leases to deposits | 80.9770% | 2,532 |
| Net loans and leases to core deposits | 87.6129% | 2,653 |
| Total domestic deposits to total assets | 87.8529% | 2,458 |
| Equity capital to assets | 11.5645% | 2,214 |
| Core capital (leverage) ratio | 11.7181% | 1,726 |
| Tier 1 risk-based capital ratio | 16.6871% | 2,593 |
| Total risk-based capital ratio | 17.9440% | 2,563 |
| Memoranda: | ||
| Average total assets | $174,015,000 | 3,486 |
| Average earning assets | $155,620,500 | 3,550 |
| Average equity | $19,698,500 | 3,160 |
| Average total loans | $125,053,500 | 3,153 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6724% | 1,674 |
| Cost of funding earning assets | 1.8676% | 951 |
| Net interest margin | 3.8048% | 3,918 |
| Noninterest income to average assets | -0.0552% | 7,358 |
| Noninterest expense to average assets | 2.7413% | 4,811 |
| Loan and lease loss provision to assets | 1.3672% | 1,105 |
| Net operating income to assets | -0.4476% | 6,351 |
| Return on assets (ROA) | -0.4476% | 6,379 |
| Pretax return on assets | -0.7350% | 6,479 |
| Return on Equity (ROE) | -3.8375% | 6,348 |
| Retained earnings to average equity (ytd only) | -3.9370% | 6,196 |
| Net charge-offs to loans | 1.7497% | 1,225 |
| Credit loss provision to net charge-offs | 101.8599% | 4,449 |
| Earnings coverage of net charge-offs (x) | 0.4710% | 5,641 |
| Efficiency ratio | 81.2597% | 2,250 |
| Assets per employee ($millions) | 3.2696% | 5,493 |
| Cash dividends to net income (ytd only)* | -2.5940% | 7,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 3,096 |
| Loan loss allowance to noncurrent loans | 27.1888% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 6.8159% | 818 |
| Noncurrent loans to loans | 6.3666% | 954 |
| Net loans and leases to total assets | 70.0958% | 2,516 |
| Net loans and leases to deposits | 79.3342% | 3,287 |
| Net loans and leases to core deposits | 86.3106% | 3,281 |
| Total domestic deposits to total assets | 88.3550% | 2,036 |
| Equity capital to assets | 11.0825% | 2,617 |
| Core capital (leverage) ratio | 11.5953% | 1,787 |
| Tier 1 risk-based capital ratio | 16.0125% | 2,744 |
| Total risk-based capital ratio | 17.2689% | 2,697 |
| Memoranda: | ||
| Average total assets | $172,251,400 | 3,493 |
| Average earning assets | $155,224,600 | 3,541 |
| Average equity | $20,091,400 | 3,136 |
| Average total loans | $132,139,200 | 3,083 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7132% | 1,676 |
| Cost of funding earning assets | 1.9153% | 980 |
| Net interest margin | 3.7979% | 3,981 |
| Noninterest income to average assets | 0.1519% | 6,772 |
| Noninterest expense to average assets | 2.7293% | 4,758 |
| Loan and lease loss provision to assets | 1.5033% | 884 |
| Net operating income to assets | -0.3988% | 6,518 |
| Return on assets (ROA) | -0.3988% | 6,559 |
| Pretax return on assets | -0.6551% | 6,649 |
| Return on Equity (ROE) | -3.3757% | 6,523 |
| Retained earnings to average equity (ytd only) | -3.5076% | 6,410 |
| Net charge-offs to loans | 1.7363% | 1,119 |
| Credit loss provision to net charge-offs | 110.8558% | 3,818 |
| Earnings coverage of net charge-offs (x) | 0.6255% | 5,412 |
| Efficiency ratio | 76.2900% | 2,893 |
| Assets per employee ($millions) | 3.0382% | 6,063 |
| Cash dividends to net income (ytd only)* | -3.9068% | 7,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7688% | 2,902 |
| Loan loss allowance to noncurrent loans | 23.8854% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 7.8772% | 643 |
| Noncurrent loans to loans | 7.4055% | 731 |
| Net loans and leases to total assets | 75.8900% | 1,425 |
| Net loans and leases to deposits | 86.5610% | 2,229 |
| Net loans and leases to core deposits | 92.2587% | 2,756 |
| Total domestic deposits to total assets | 87.6723% | 2,174 |
| Equity capital to assets | 11.6847% | 2,368 |
| Core capital (leverage) ratio | 11.6381% | 1,852 |
| Tier 1 risk-based capital ratio | 15.7401% | 2,886 |
| Total risk-based capital ratio | 16.9971% | 2,843 |
| Memoranda: | ||
| Average total assets | $171,175,000 | 3,553 |
| Average earning assets | $154,398,500 | 3,615 |
| Average equity | $20,222,500 | 3,161 |
| Average total loans | $133,689,250 | 3,104 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 1,897 |
| Cost of funding earning assets | 1.9110% | 1,199 |
| Net interest margin | 3.7524% | 4,119 |
| Noninterest income to average assets | 0.0058% | 7,508 |
| Noninterest expense to average assets | 2.7052% | 4,882 |
| Loan and lease loss provision to assets | 0.4548% | 3,049 |
| Net operating income to assets | 0.2111% | 5,522 |
| Return on assets (ROA) | 0.2111% | 5,656 |
| Pretax return on assets | 0.2437% | 5,675 |
| Return on Equity (ROE) | 1.7800% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.5833% | 5,070 |
| Net charge-offs to loans | 1.4192% | 1,345 |
| Credit loss provision to net charge-offs | 40.8805% | 5,596 |
| Earnings coverage of net charge-offs (x) | 0.6279% | 5,110 |
| Efficiency ratio | 79.4793% | 2,507 |
| Assets per employee ($millions) | 3.1444% | 5,802 |
| Cash dividends to net income (ytd only)* | 11.0497% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 5,588 |
| Loan loss allowance to noncurrent loans | 11.5466% | 7,228 |
| Noncurrent assets plus other real estate owned to assets | 8.7525% | 516 |
| Noncurrent loans to loans | 10.1551% | 438 |
| Net loans and leases to total assets | 75.2905% | 1,630 |
| Net loans and leases to deposits | 85.7797% | 2,543 |
| Net loans and leases to core deposits | 91.5479% | 3,050 |
| Total domestic deposits to total assets | 87.7719% | 2,126 |
| Equity capital to assets | 11.6301% | 2,334 |
| Core capital (leverage) ratio | 12.1181% | 1,583 |
| Tier 1 risk-based capital ratio | 16.0467% | 2,652 |
| Total risk-based capital ratio | 17.2564% | 2,631 |
| Memoranda: | ||
| Average total assets | $171,521,000 | 3,578 |
| Average earning assets | $155,313,330 | 3,611 |
| Average equity | $20,336,670 | 3,135 |
| Average total loans | $134,438,330 | 3,112 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7110% | 1,734 |
| Cost of funding earning assets | 1.9271% | 1,336 |
| Net interest margin | 3.7839% | 3,860 |
| Noninterest income to average assets | -0.4514% | 7,851 |
| Noninterest expense to average assets | 2.7748% | 4,584 |
| Loan and lease loss provision to assets | 0.3545% | 3,249 |
| Net operating income to assets | -0.0544% | 6,375 |
| Return on assets (ROA) | -0.0544% | 6,460 |
| Pretax return on assets | -0.1418% | 6,497 |
| Return on Equity (ROE) | -0.4540% | 6,460 |
| Retained earnings to average equity (ytd only) | -0.4540% | 5,934 |
| Net charge-offs to loans | 0.9808% | 1,669 |
| Credit loss provision to net charge-offs | 45.4545% | 4,546 |
| Earnings coverage of net charge-offs (x) | 0.2727% | 4,799 |
| Efficiency ratio | 92.8797% | 1,212 |
| Assets per employee ($millions) | 3.1758% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 4,135 |
| Loan loss allowance to noncurrent loans | 17.7088% | 7,119 |
| Noncurrent assets plus other real estate owned to assets | 7.6558% | 653 |
| Noncurrent loans to loans | 8.2384% | 642 |
| Net loans and leases to total assets | 77.0782% | 1,315 |
| Net loans and leases to deposits | 88.1249% | 2,203 |
| Net loans and leases to core deposits | 94.3719% | 2,789 |
| Total domestic deposits to total assets | 87.4647% | 2,378 |
| Equity capital to assets | 11.8256% | 2,148 |
| Core capital (leverage) ratio | 12.3365% | 1,477 |
| Tier 1 risk-based capital ratio | 16.0282% | 2,647 |
| Total risk-based capital ratio | 17.2814% | 2,600 |
| Memoranda: | ||
| Average total assets | $169,238,500 | 3,673 |
| Average earning assets | $153,809,000 | 3,696 |
| Average equity | $20,265,500 | 3,172 |
| Average total loans | $134,583,000 | 3,172 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9574% | 2,026 |
| Cost of funding earning assets | 2.2454% | 1,852 |
| Net interest margin | 3.7120% | 4,084 |
| Noninterest income to average assets | 0.2594% | 6,258 |
| Noninterest expense to average assets | 2.7813% | 5,045 |
| Loan and lease loss provision to assets | 0.6288% | 3,289 |
| Net operating income to assets | 0.2231% | 4,825 |
| Return on assets (ROA) | 0.2231% | 4,891 |
| Pretax return on assets | 0.2727% | 4,838 |
| Return on Equity (ROE) | 1.8483% | 4,963 |
| Retained earnings to average equity (ytd only) | 0.6461% | 4,541 |
| Net charge-offs to loans | 0.7059% | 3,071 |
| Credit loss provision to net charge-offs | 108.9005% | 5,077 |
| Earnings coverage of net charge-offs (x) | 1.5613% | 4,572 |
| Efficiency ratio | 75.5213% | 3,612 |
| Assets per employee ($millions) | 3.0361% | 6,132 |
| Cash dividends to net income (ytd only)* | 65.0407% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 3,351 |
| Loan loss allowance to noncurrent loans | 21.2004% | 7,005 |
| Noncurrent assets plus other real estate owned to assets | 7.4588% | 649 |
| Noncurrent loans to loans | 7.4652% | 713 |
| Net loans and leases to total assets | 79.5814% | 1,071 |
| Net loans and leases to deposits | 91.3703% | 1,990 |
| Net loans and leases to core deposits | 131.2627% | 1,212 |
| Total domestic deposits to total assets | 87.0976% | 2,442 |
| Equity capital to assets | 12.1274% | 1,954 |
| Core capital (leverage) ratio | 12.6412% | 1,383 |
| Tier 1 risk-based capital ratio | 16.2752% | 2,403 |
| Total risk-based capital ratio | 17.5306% | 2,346 |
| Memoranda: | ||
| Average total assets | $165,390,600 | 3,683 |
| Average earning assets | $152,532,800 | 3,666 |
| Average equity | $19,964,800 | 3,208 |
| Average total loans | $135,279,600 | 3,169 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 1,886 |
| Cost of funding earning assets | 2.3302% | 1,877 |
| Net interest margin | 3.7080% | 4,031 |
| Noninterest income to average assets | 0.4372% | 4,979 |
| Noninterest expense to average assets | 2.8397% | 4,722 |
| Loan and lease loss provision to assets | 0.7919% | 2,386 |
| Net operating income to assets | 0.1939% | 5,182 |
| Return on assets (ROA) | 0.1939% | 5,255 |
| Pretax return on assets | 0.2287% | 5,233 |
| Return on Equity (ROE) | 1.6085% | 5,298 |
| Retained earnings to average equity (ytd only) | 1.3405% | 4,572 |
| Net charge-offs to loans | 0.8117% | 2,336 |
| Credit loss provision to net charge-offs | 118.9320% | 4,261 |
| Earnings coverage of net charge-offs (x) | 1.5328% | 4,634 |
| Efficiency ratio | 73.5608% | 3,945 |
| Assets per employee ($millions) | 2.8910% | 6,432 |
| Cash dividends to net income (ytd only)* | 16.6661% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6503% | 2,808 |
| Loan loss allowance to noncurrent loans | 22.3844% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 7.8550% | 557 |
| Noncurrent loans to loans | 7.3725% | 707 |
| Net loans and leases to total assets | 81.2787% | 932 |
| Net loans and leases to deposits | 93.7416% | 1,925 |
| Net loans and leases to core deposits | 135.2357% | 1,140 |
| Total domestic deposits to total assets | 86.7050% | 2,327 |
| Equity capital to assets | 12.3301% | 2,051 |
| Core capital (leverage) ratio | 12.6250% | 1,529 |
| Tier 1 risk-based capital ratio | 16.5432% | 2,409 |
| Total risk-based capital ratio | 17.7998% | 2,363 |
| Memoranda: | ||
| Average total assets | $164,992,000 | 3,706 |
| Average earning assets | $152,316,250 | 3,684 |
| Average equity | $19,893,250 | 3,255 |
| Average total loans | $135,343,000 | 3,204 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0245% | 2,077 |
| Cost of funding earning assets | 2.3929% | 1,991 |
| Net interest margin | 3.6316% | 4,241 |
| Noninterest income to average assets | 0.4264% | 5,070 |
| Noninterest expense to average assets | 2.7647% | 5,116 |
| Loan and lease loss provision to assets | 0.3614% | 3,760 |
| Net operating income to assets | 0.4770% | 4,187 |
| Return on assets (ROA) | 0.4770% | 4,297 |
| Pretax return on assets | 0.6626% | 4,125 |
| Return on Equity (ROE) | 3.9858% | 4,497 |
| Retained earnings to average equity (ytd only) | 3.5832% | 3,307 |
| Net charge-offs to loans | 1.1571% | 1,573 |
| Credit loss provision to net charge-offs | 38.1679% | 5,928 |
| Earnings coverage of net charge-offs (x) | 1.0814% | 4,706 |
| Efficiency ratio | 72.9730% | 4,204 |
| Assets per employee ($millions) | 2.9950% | 6,146 |
| Cash dividends to net income (ytd only)* | 10.1010% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,142 |
| Loan loss allowance to noncurrent loans | 20.9135% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 6.1937% | 769 |
| Noncurrent loans to loans | 5.5978% | 1,027 |
| Net loans and leases to total assets | 78.8218% | 1,569 |
| Net loans and leases to deposits | 90.4142% | 2,763 |
| Net loans and leases to core deposits | 131.2602% | 1,468 |
| Total domestic deposits to total assets | 87.1786% | 2,159 |
| Equity capital to assets | 11.9586% | 2,230 |
| Core capital (leverage) ratio | 12.7382% | 1,525 |
| Tier 1 risk-based capital ratio | 16.3696% | 2,492 |
| Total risk-based capital ratio | 17.5943% | 2,454 |
| Memoranda: | ||
| Average total assets | $166,024,000 | 3,705 |
| Average earning assets | $153,706,000 | 3,669 |
| Average equity | $19,870,330 | 3,260 |
| Average total loans | $135,859,000 | 3,232 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1351% | 1,811 |
| Cost of funding earning assets | 2.5056% | 1,899 |
| Net interest margin | 3.6296% | 4,189 |
| Noninterest income to average assets | 0.4044% | 5,181 |
| Noninterest expense to average assets | 2.7510% | 4,774 |
| Loan and lease loss provision to assets | 0.2906% | 3,630 |
| Net operating income to assets | 0.5328% | 4,284 |
| Return on assets (ROA) | 0.5328% | 4,474 |
| Pretax return on assets | 0.7410% | 4,282 |
| Return on Equity (ROE) | 4.4496% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.4496% | 3,446 |
| Net charge-offs to loans | 1.2359% | 1,135 |
| Credit loss provision to net charge-offs | 28.3688% | 4,972 |
| Earnings coverage of net charge-offs (x) | 1.0071% | 4,266 |
| Efficiency ratio | 72.7273% | 4,055 |
| Assets per employee ($millions) | 2.9315% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 4,145 |
| Loan loss allowance to noncurrent loans | 31.1543% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 4.0691% | 1,258 |
| Noncurrent loans to loans | 4.1334% | 1,442 |
| Net loans and leases to total assets | 81.6679% | 1,070 |
| Net loans and leases to deposits | 93.9669% | 2,268 |
| Net loans and leases to core deposits | 138.3787% | 1,184 |
| Total domestic deposits to total assets | 86.9114% | 2,262 |
| Equity capital to assets | 12.1188% | 2,190 |
| Core capital (leverage) ratio | 12.6602% | 1,623 |
| Tier 1 risk-based capital ratio | 16.4731% | 2,521 |
| Total risk-based capital ratio | 17.7247% | 2,462 |
| Memoranda: | ||
| Average total assets | $165,176,000 | 3,739 |
| Average earning assets | $153,737,500 | 3,683 |
| Average equity | $19,777,000 | 3,292 |
| Average total loans | $136,905,500 | 3,231 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7068% | 2,004 |
| Cost of funding earning assets | 2.9776% | 1,953 |
| Net interest margin | 3.7292% | 4,330 |
| Noninterest income to average assets | 0.5332% | 4,374 |
| Noninterest expense to average assets | 2.7473% | 5,060 |
| Loan and lease loss provision to assets | 0.6003% | 2,424 |
| Net operating income to assets | 0.5153% | 4,665 |
| Return on assets (ROA) | 0.5153% | 4,516 |
| Pretax return on assets | 0.6927% | 4,424 |
| Return on Equity (ROE) | 4.1923% | 4,743 |
| Retained earnings to average equity (ytd only) | 1.7380% | 4,171 |
| Net charge-offs to loans | 0.3332% | 3,169 |
| Credit loss provision to net charge-offs | 215.7080% | 2,237 |
| Earnings coverage of net charge-offs (x) | 4.6460% | 3,911 |
| Efficiency ratio | 67.9976% | 4,723 |
| Assets per employee ($millions) | 2.9676% | 6,127 |
| Cash dividends to net income (ytd only)* | 58.5424% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 2,760 |
| Loan loss allowance to noncurrent loans | 39.7213% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 3.4437% | 1,293 |
| Noncurrent loans to loans | 3.7437% | 1,338 |
| Net loans and leases to total assets | 81.7993% | 1,265 |
| Net loans and leases to deposits | 94.0409% | 2,751 |
| Net loans and leases to core deposits | 139.0353% | 1,316 |
| Total domestic deposits to total assets | 86.9827% | 1,943 |
| Equity capital to assets | 11.8295% | 2,401 |
| Core capital (leverage) ratio | 12.5005% | 1,751 |
| Tier 1 risk-based capital ratio | 15.9685% | 2,674 |
| Total risk-based capital ratio | 17.2226% | 2,619 |
| Memoranda: | ||
| Average total assets | $162,416,800 | 3,678 |
| Average earning assets | $152,739,400 | 3,602 |
| Average equity | $19,965,000 | 3,236 |
| Average total loans | $135,672,400 | 3,166 |