Home > Lee County Bank > Performance and Condition Ratios
Lee County Bank, Performance and Condition Ratios
| 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 | 5.2576% | 1,346 |
| Cost of funding earning assets | 1.7409% | 1,108 |
| Net interest margin | 3.5168% | 2,174 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.1508% | 3,212 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.7997% | 3,025 |
| Return on assets (ROA) | 0.8029% | 3,014 |
| Pretax return on assets | 1.0862% | 2,602 |
| Return on Equity (ROE) | 5.8300% | 3,673 |
| Retained earnings to average equity (ytd only) | 5.8344% | 2,680 |
| Net charge-offs to loans | 0.0318% | 1,441 |
| Credit loss provision to net charge-offs | 204.0816% | 1,107 |
| Earnings coverage of net charge-offs (x) | 45.9184% | 1,359 |
| Efficiency ratio | 49.4251% | 3,956 |
| Assets per employee ($millions) | 10.1556% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,304 |
| Loan loss allowance to noncurrent loans | 264.0426% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 1,510 |
| Noncurrent loans to loans | 0.4587% | 1,676 |
| Net loans and leases to total assets | 79.7400% | 679 |
| Net loans and leases to deposits | 102.6668% | 404 |
| Net loans and leases to core deposits | 104.6927% | 1,081 |
| Total domestic deposits to total assets | 77.6700% | 3,857 |
| Equity capital to assets | 15.0605% | 535 |
| Core capital (leverage) ratio | 8.1273% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8906% | 2,302 |
| Memoranda: | ||
| Average total assets | $264,883,000 | 2,604 |
| Average earning assets | $235,739,500 | 2,662 |
| Average equity | $36,449,500 | 1,988 |
| Average total loans | $205,205,750 | 2,252 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 1,226 |
| Cost of funding earning assets | 1.6849% | 904 |
| Net interest margin | 3.5047% | 2,255 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 2.1218% | 3,289 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.8133% | 3,040 |
| Return on assets (ROA) | 0.8133% | 3,050 |
| Pretax return on assets | 1.1000% | 2,648 |
| Return on Equity (ROE) | 6.0900% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.0914% | 2,589 |
| Net charge-offs to loans | 0.0409% | 1,108 |
| Credit loss provision to net charge-offs | 238.0952% | 981 |
| Earnings coverage of net charge-offs (x) | 37.5476% | 1,435 |
| Efficiency ratio | 48.5540% | 4,029 |
| Assets per employee ($millions) | 9.7356% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2045% | 2,415 |
| Loan loss allowance to noncurrent loans | 257.9275% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3931% | 1,358 |
| Noncurrent loans to loans | 0.4670% | 1,544 |
| Net loans and leases to total assets | 80.6600% | 562 |
| Net loans and leases to deposits | 101.0438% | 475 |
| Net loans and leases to core deposits | 102.5193% | 1,112 |
| Total domestic deposits to total assets | 79.8200% | 3,604 |
| Equity capital to assets | 14.9167% | 534 |
| Core capital (leverage) ratio | 7.8134% | 4,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0971% | 2,602 |
| Memoranda: | ||
| Average total assets | $268,547,667 | 2,596 |
| Average earning assets | $240,136,333 | 2,637 |
| Average equity | $35,853,667 | 2,026 |
| Average total loans | $205,293,000 | 2,250 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 1,004 |
| Cost of funding earning assets | 1.7558% | 488 |
| Net interest margin | 3.4039% | 2,625 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.0459% | 3,507 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8630% | 2,981 |
| Return on assets (ROA) | 0.8630% | 2,927 |
| Pretax return on assets | 1.1685% | 2,518 |
| Return on Equity (ROE) | 6.8300% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.8307% | 2,541 |
| Net charge-offs to loans | -0.0098% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.8829% | 4,086 |
| Assets per employee ($millions) | 8.9586% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 2,683 |
| Loan loss allowance to noncurrent loans | 1,171.1538% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 2,896 |
| Noncurrent loans to loans | 0.1004% | 3,038 |
| Net loans and leases to total assets | 78.7700% | 678 |
| Net loans and leases to deposits | 97.0968% | 588 |
| Net loans and leases to core deposits | 98.4514% | 1,153 |
| Total domestic deposits to total assets | 81.1300% | 3,618 |
| Equity capital to assets | 14.3414% | 546 |
| Core capital (leverage) ratio | 6.8600% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8514% | 2,769 |
| Memoranda: | ||
| Average total assets | $276,259,000 | 2,581 |
| Average earning assets | $248,541,000 | 2,623 |
| Average equity | $34,901,500 | 2,083 |
| Average total loans | $204,615,500 | 2,272 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6590% | 2,642 |
| Cost of funding earning assets | 0.5192% | 1,272 |
| Net interest margin | 3.1398% | 3,059 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.9857% | 3,621 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1073% | 2,140 |
| Return on assets (ROA) | 1.1073% | 2,077 |
| Pretax return on assets | 1.2276% | 2,346 |
| Return on Equity (ROE) | 11.5400% | 2,290 |
| Retained earnings to average equity (ytd only) | -30.5004% | 4,710 |
| Net charge-offs to loans | 0.0029% | 2,383 |
| Credit loss provision to net charge-offs | 1,666.6667% | 298 |
| Earnings coverage of net charge-offs (x) | 530.0000% | 323 |
| Efficiency ratio | 61.0390% | 2,906 |
| Assets per employee ($millions) | 10.0298% | 666 |
| Cash dividends to net income (ytd only)* | 364.2909% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 2,809 |
| Loan loss allowance to noncurrent loans | 1,121.6981% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 2,948 |
| Noncurrent loans to loans | 0.0996% | 3,051 |
| Net loans and leases to total assets | 74.9800% | 1,132 |
| Net loans and leases to deposits | 84.9239% | 1,397 |
| Net loans and leases to core deposits | 86.3190% | 1,727 |
| Total domestic deposits to total assets | 88.2900% | 1,972 |
| Equity capital to assets | 6.9333% | 3,704 |
| Core capital (leverage) ratio | 7.5297% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9010% | 2,416 |
| Memoranda: | ||
| Average total assets | $250,890,200 | 2,724 |
| Average earning assets | $245,206,600 | 2,640 |
| Average equity | $24,071,800 | 2,632 |
| Average total loans | $203,737,600 | 2,200 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 2,240 |
| Cost of funding earning assets | 0.3860% | 1,392 |
| Net interest margin | 3.2497% | 2,459 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.1297% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1881% | 1,742 |
| Return on assets (ROA) | 1.1881% | 1,719 |
| Pretax return on assets | 1.2407% | 2,230 |
| Return on Equity (ROE) | 11.4700% | 2,217 |
| Retained earnings to average equity (ytd only) | -42.0310% | 4,748 |
| Net charge-offs to loans | -0.0079% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.1887% | 2,657 |
| Assets per employee ($millions) | 7.9771% | 1,342 |
| Cash dividends to net income (ytd only)* | 466.5745% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 2,931 |
| Loan loss allowance to noncurrent loans | 1,034.2342% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 2,915 |
| Noncurrent loans to loans | 0.1081% | 3,110 |
| Net loans and leases to total assets | 84.8600% | 197 |
| Net loans and leases to deposits | 98.9259% | 411 |
| Net loans and leases to core deposits | 101.9078% | 748 |
| Total domestic deposits to total assets | 85.7800% | 3,117 |
| Equity capital to assets | 7.8751% | 2,977 |
| Core capital (leverage) ratio | 8.0001% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $243,404,250 | 2,787 |
| Average earning assets | $237,675,500 | 2,701 |
| Average equity | $25,222,000 | 2,612 |
| Average total loans | $201,438,250 | 2,218 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5411% | 2,015 |
| Cost of funding earning assets | 0.3486% | 1,273 |
| Net interest margin | 3.1925% | 2,210 |
| Noninterest income to average assets | 0.1871% | 4,070 |
| Noninterest expense to average assets | 1.7273% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5133% | 686 |
| Return on assets (ROA) | 1.5133% | 662 |
| Pretax return on assets | 1.5803% | 990 |
| Return on Equity (ROE) | 13.5443% | 1,225 |
| Retained earnings to average equity (ytd only) | 7.3280% | 1,872 |
| Net charge-offs to loans | -0.0010% | 3,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2233% | 4,113 |
| Assets per employee ($millions) | 7.4469% | 1,647 |
| Cash dividends to net income (ytd only)* | 45.8963% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,087 |
| Loan loss allowance to noncurrent loans | 1,011.0619% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 2,957 |
| Noncurrent loans to loans | 0.1106% | 3,193 |
| Net loans and leases to total assets | 84.7777% | 145 |
| Net loans and leases to deposits | 103.4127% | 181 |
| Net loans and leases to core deposits | 106.6894% | 426 |
| Total domestic deposits to total assets | 81.9800% | 4,004 |
| Equity capital to assets | 11.6764% | 969 |
| Core capital (leverage) ratio | 11.6811% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $244,768,333 | 2,801 |
| Average earning assets | $239,247,333 | 2,727 |
| Average equity | $27,347,333 | 2,564 |
| Average total loans | $200,123,000 | 2,235 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 1,973 |
| Cost of funding earning assets | 0.3480% | 1,226 |
| Net interest margin | 3.0922% | 2,199 |
| Noninterest income to average assets | 0.1839% | 4,059 |
| Noninterest expense to average assets | 1.7339% | 4,085 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4113% | 775 |
| Return on assets (ROA) | 1.4113% | 771 |
| Pretax return on assets | 1.4742% | 1,068 |
| Return on Equity (ROE) | 12.9111% | 1,058 |
| Retained earnings to average equity (ytd only) | 7.4663% | 1,745 |
| Net charge-offs to loans | -0.0061% | 3,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0473% | 4,047 |
| Assets per employee ($millions) | 7.4734% | 1,704 |
| Cash dividends to net income (ytd only)* | 42.1714% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 3,155 |
| Loan loss allowance to noncurrent loans | 994.3478% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 3,048 |
| Noncurrent loans to loans | 0.1146% | 3,255 |
| Net loans and leases to total assets | 82.9587% | 124 |
| Net loans and leases to deposits | 101.3217% | 152 |
| Net loans and leases to core deposits | 104.5246% | 378 |
| Total domestic deposits to total assets | 81.8765% | 4,090 |
| Equity capital to assets | 11.4306% | 1,148 |
| Core capital (leverage) ratio | 10.7913% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,001,500 | 2,797 |
| Average earning assets | $242,542,000 | 2,719 |
| Average equity | $27,108,500 | 2,650 |
| Average total loans | $198,028,500 | 2,240 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 1,518 |
| Cost of funding earning assets | 0.3443% | 1,993 |
| Net interest margin | 3.5952% | 1,483 |
| Noninterest income to average assets | 0.1695% | 4,309 |
| Noninterest expense to average assets | 1.8794% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7222% | 600 |
| Return on assets (ROA) | 1.7222% | 624 |
| Pretax return on assets | 1.7987% | 916 |
| Return on Equity (ROE) | 15.4577% | 847 |
| Retained earnings to average equity (ytd only) | 7.0387% | 1,905 |
| Net charge-offs to loans | 0.0141% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 156.8148% | 634 |
| Efficiency ratio | 51.0973% | 4,192 |
| Assets per employee ($millions) | 8.0267% | 1,314 |
| Cash dividends to net income (ytd only)* | 54.4647% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 3,026 |
| Loan loss allowance to noncurrent loans | 2,095.4128% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 3,606 |
| Noncurrent loans to loans | 0.0558% | 3,679 |
| Net loans and leases to total assets | 75.1755% | 576 |
| Net loans and leases to deposits | 90.6574% | 540 |
| Net loans and leases to core deposits | 91.5167% | 905 |
| Total domestic deposits to total assets | 82.9227% | 3,826 |
| Equity capital to assets | 10.4654% | 2,204 |
| Core capital (leverage) ratio | 11.6062% | 1,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,390,600 | 2,814 |
| Average earning assets | $229,722,200 | 2,748 |
| Average equity | $26,226,400 | 2,769 |
| Average total loans | $191,366,400 | 2,298 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1294% | 1,239 |
| Cost of funding earning assets | 0.3573% | 2,042 |
| Net interest margin | 3.7720% | 1,175 |
| Noninterest income to average assets | 0.1693% | 4,357 |
| Noninterest expense to average assets | 1.7992% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9603% | 493 |
| Return on assets (ROA) | 1.9603% | 518 |
| Pretax return on assets | 2.0473% | 740 |
| Return on Equity (ROE) | 17.3014% | 720 |
| Retained earnings to average equity (ytd only) | 8.5637% | 1,856 |
| Net charge-offs to loans | 0.0217% | 1,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 113.9355% | 802 |
| Efficiency ratio | 46.7752% | 4,457 |
| Assets per employee ($millions) | 6.7547% | 2,051 |
| Cash dividends to net income (ytd only)* | 50.5027% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 3,025 |
| Loan loss allowance to noncurrent loans | 2,235.2941% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 3,647 |
| Noncurrent loans to loans | 0.0533% | 3,844 |
| Net loans and leases to total assets | 82.2803% | 174 |
| Net loans and leases to deposits | 102.0594% | 190 |
| Net loans and leases to core deposits | 103.1739% | 486 |
| Total domestic deposits to total assets | 80.6200% | 4,145 |
| Equity capital to assets | 11.6346% | 1,584 |
| Core capital (leverage) ratio | 11.5352% | 1,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,024,500 | 2,878 |
| Average earning assets | $224,240,500 | 2,812 |
| Average equity | $26,062,750 | 2,815 |
| Average total loans | $190,364,000 | 2,339 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 983 |
| Cost of funding earning assets | 0.3564% | 2,261 |
| Net interest margin | 3.9563% | 876 |
| Noninterest income to average assets | 0.1747% | 4,333 |
| Noninterest expense to average assets | 1.7876% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1499% | 372 |
| Return on assets (ROA) | 2.1499% | 387 |
| Pretax return on assets | 2.2455% | 530 |
| Return on Equity (ROE) | 19.1459% | 526 |
| Retained earnings to average equity (ytd only) | 10.9969% | 1,126 |
| Net charge-offs to loans | 0.0011% | 2,201 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 2,584.0000% | 32 |
| Efficiency ratio | 44.3223% | 4,598 |
| Assets per employee ($millions) | 7.1470% | 1,694 |
| Cash dividends to net income (ytd only)* | 42.5627% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 2,901 |
| Loan loss allowance to noncurrent loans | 791.0959% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 3,174 |
| Noncurrent loans to loans | 0.1525% | 3,439 |
| Net loans and leases to total assets | 82.6968% | 188 |
| Net loans and leases to deposits | 103.0136% | 201 |
| Net loans and leases to core deposits | 104.1482% | 531 |
| Total domestic deposits to total assets | 80.2776% | 4,198 |
| Equity capital to assets | 11.5748% | 1,587 |
| Core capital (leverage) ratio | 11.5668% | 1,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,146,000 | 2,875 |
| Average earning assets | $224,451,333 | 2,799 |
| Average equity | $25,843,667 | 2,821 |
| Average total loans | $190,070,333 | 2,346 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 926 |
| Cost of funding earning assets | 0.3676% | 2,376 |
| Net interest margin | 4.0241% | 816 |
| Noninterest income to average assets | 0.2027% | 4,172 |
| Noninterest expense to average assets | 1.8088% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2212% | 401 |
| Return on assets (ROA) | 2.2212% | 436 |
| Pretax return on assets | 2.3200% | 571 |
| Return on Equity (ROE) | 20.0866% | 525 |
| Retained earnings to average equity (ytd only) | 14.6341% | 669 |
| Net charge-offs to loans | 0.0042% | 1,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 669.5000% | 144 |
| Efficiency ratio | 43.8103% | 4,591 |
| Assets per employee ($millions) | 7.1682% | 1,671 |
| Cash dividends to net income (ytd only)* | 27.1451% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,936 |
| Loan loss allowance to noncurrent loans | 815.9011% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 3,219 |
| Noncurrent loans to loans | 0.1470% | 3,591 |
| Net loans and leases to total assets | 82.9057% | 185 |
| Net loans and leases to deposits | 103.3589% | 218 |
| Net loans and leases to core deposits | 104.7024% | 555 |
| Total domestic deposits to total assets | 80.2115% | 4,174 |
| Equity capital to assets | 11.3301% | 1,638 |
| Core capital (leverage) ratio | 11.0892% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,867,000 | 2,856 |
| Average earning assets | $225,241,500 | 2,777 |
| Average equity | $25,529,500 | 2,834 |
| Average total loans | $189,385,000 | 2,353 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 1,591 |
| Cost of funding earning assets | 0.4494% | 3,284 |
| Net interest margin | 3.9521% | 1,084 |
| Noninterest income to average assets | 0.1379% | 4,600 |
| Noninterest expense to average assets | 2.0036% | 4,134 |
| Loan and lease loss provision to assets | 0.4210% | 709 |
| Net operating income to assets | 1.4872% | 839 |
| Return on assets (ROA) | 1.4872% | 909 |
| Pretax return on assets | 1.5536% | 1,186 |
| Return on Equity (ROE) | 12.9421% | 1,056 |
| Retained earnings to average equity (ytd only) | 8.3733% | 953 |
| Net charge-offs to loans | 0.2263% | 767 |
| Credit loss provision to net charge-offs | 217.7778% | 2,080 |
| Earnings coverage of net charge-offs (x) | 10.2148% | 2,476 |
| Efficiency ratio | 50.3659% | 4,507 |
| Assets per employee ($millions) | 7.0410% | 1,558 |
| Cash dividends to net income (ytd only)* | 35.3017% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 2,745 |
| Loan loss allowance to noncurrent loans | 1,276.7956% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 3,618 |
| Noncurrent loans to loans | 0.0972% | 3,907 |
| Net loans and leases to total assets | 79.1812% | 485 |
| Net loans and leases to deposits | 97.8440% | 467 |
| Net loans and leases to core deposits | 99.0871% | 951 |
| Total domestic deposits to total assets | 80.9260% | 3,885 |
| Equity capital to assets | 10.7896% | 2,441 |
| Core capital (leverage) ratio | 11.2409% | 1,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,518,200 | 2,862 |
| Average earning assets | $203,588,800 | 2,798 |
| Average equity | $24,076,400 | 2,868 |
| Average total loans | $178,994,200 | 2,419 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5806% | 1,366 |
| Cost of funding earning assets | 0.4801% | 3,359 |
| Net interest margin | 4.1004% | 896 |
| Noninterest income to average assets | 0.1792% | 4,394 |
| Noninterest expense to average assets | 2.0012% | 4,139 |
| Loan and lease loss provision to assets | 0.5559% | 485 |
| Net operating income to assets | 1.5321% | 845 |
| Return on assets (ROA) | 1.5321% | 922 |
| Pretax return on assets | 1.6001% | 1,184 |
| Return on Equity (ROE) | 13.1047% | 1,075 |
| Retained earnings to average equity (ytd only) | 8.6563% | 1,093 |
| Net charge-offs to loans | 0.2867% | 550 |
| Credit loss provision to net charge-offs | 223.0971% | 2,030 |
| Earnings coverage of net charge-offs (x) | 8.6509% | 2,480 |
| Efficiency ratio | 48.1353% | 4,601 |
| Assets per employee ($millions) | 6.3012% | 1,995 |
| Cash dividends to net income (ytd only)* | 33.9453% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 2,556 |
| Loan loss allowance to noncurrent loans | 1,123.4146% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 2,918 |
| Noncurrent loans to loans | 0.1086% | 3,932 |
| Net loans and leases to total assets | 89.6864% | 47 |
| Net loans and leases to deposits | 113.7805% | 172 |
| Net loans and leases to core deposits | 115.7314% | 508 |
| Total domestic deposits to total assets | 78.8241% | 4,081 |
| Equity capital to assets | 11.8333% | 1,779 |
| Core capital (leverage) ratio | 11.7900% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $203,809,500 | 2,889 |
| Average earning assets | $197,729,500 | 2,828 |
| Average equity | $23,828,000 | 2,879 |
| Average total loans | $177,170,000 | 2,431 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 1,247 |
| Cost of funding earning assets | 0.5130% | 3,454 |
| Net interest margin | 4.2542% | 821 |
| Noninterest income to average assets | 0.1867% | 4,343 |
| Noninterest expense to average assets | 2.0056% | 4,222 |
| Loan and lease loss provision to assets | 0.5928% | 538 |
| Net operating income to assets | 1.6450% | 684 |
| Return on assets (ROA) | 1.6450% | 745 |
| Pretax return on assets | 1.7181% | 963 |
| Return on Equity (ROE) | 14.1289% | 859 |
| Retained earnings to average equity (ytd only) | 11.2437% | 574 |
| Net charge-offs to loans | 0.4432% | 359 |
| Credit loss provision to net charge-offs | 156.2500% | 2,097 |
| Earnings coverage of net charge-offs (x) | 6.0911% | 2,464 |
| Efficiency ratio | 46.4637% | 4,704 |
| Assets per employee ($millions) | 6.3506% | 1,904 |
| Cash dividends to net income (ytd only)* | 20.4204% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 2,942 |
| Loan loss allowance to noncurrent loans | 850.6224% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 2,740 |
| Noncurrent loans to loans | 0.1315% | 3,932 |
| Net loans and leases to total assets | 86.4657% | 117 |
| Net loans and leases to deposits | 111.0174% | 214 |
| Net loans and leases to core deposits | 112.9262% | 637 |
| Total domestic deposits to total assets | 77.8848% | 4,199 |
| Equity capital to assets | 11.6338% | 1,887 |
| Core capital (leverage) ratio | 11.5153% | 1,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,433,000 | 2,883 |
| Average earning assets | $196,510,333 | 2,817 |
| Average equity | $23,568,667 | 2,885 |
| Average total loans | $173,294,667 | 2,445 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 2,748 |
| Cost of funding earning assets | 0.5797% | 3,536 |
| Net interest margin | 3.7804% | 2,048 |
| Noninterest income to average assets | 0.2092% | 4,296 |
| Noninterest expense to average assets | 2.0617% | 4,294 |
| Loan and lease loss provision to assets | 0.4526% | 669 |
| Net operating income to assets | 1.3094% | 1,215 |
| Return on assets (ROA) | 1.3094% | 1,313 |
| Pretax return on assets | 1.3678% | 1,659 |
| Return on Equity (ROE) | 11.2423% | 1,344 |
| Retained earnings to average equity (ytd only) | 5.3708% | 2,130 |
| Net charge-offs to loans | 0.0119% | 2,154 |
| Credit loss provision to net charge-offs | 4,500.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 371 |
| Efficiency ratio | 53.1088% | 4,459 |
| Assets per employee ($millions) | 6.0021% | 1,681 |
| Cash dividends to net income (ytd only)* | 52.2273% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,637 |
| Loan loss allowance to noncurrent loans | 143.4358% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 1,845 |
| Noncurrent loans to loans | 0.8408% | 1,934 |
| Net loans and leases to total assets | 84.9467% | 205 |
| Net loans and leases to deposits | 110.6956% | 176 |
| Net loans and leases to core deposits | 112.7383% | 725 |
| Total domestic deposits to total assets | 76.7390% | 4,386 |
| Equity capital to assets | 11.7635% | 2,240 |
| Core capital (leverage) ratio | 11.7744% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $198,864,000 | 2,884 |
| Average earning assets | $193,205,000 | 2,800 |
| Average equity | $23,162,500 | 2,910 |
| Average total loans | $168,313,500 | 2,465 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5083% | 2,912 |
| Cost of funding earning assets | 0.7834% | 2,754 |
| Net interest margin | 3.7250% | 2,738 |
| Noninterest income to average assets | 0.2358% | 4,267 |
| Noninterest expense to average assets | 2.1077% | 4,350 |
| Loan and lease loss provision to assets | 0.0551% | 2,925 |
| Net operating income to assets | 1.6247% | 790 |
| Return on assets (ROA) | 1.6247% | 845 |
| Pretax return on assets | 1.6969% | 1,196 |
| Return on Equity (ROE) | 13.7400% | 951 |
| Retained earnings to average equity (ytd only) | 8.7560% | 774 |
| Net charge-offs to loans | 0.0565% | 2,293 |
| Credit loss provision to net charge-offs | 114.4444% | 2,197 |
| Earnings coverage of net charge-offs (x) | 36.4000% | 1,397 |
| Efficiency ratio | 54.6072% | 4,361 |
| Assets per employee ($millions) | 6.2393% | 1,458 |
| Cash dividends to net income (ytd only)* | 36.2739% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 2,940 |
| Loan loss allowance to noncurrent loans | 2,321.5190% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 4,407 |
| Noncurrent loans to loans | 0.0475% | 4,362 |
| Net loans and leases to total assets | 82.3834% | 504 |
| Net loans and leases to deposits | 105.1432% | 330 |
| Net loans and leases to core deposits | 107.0246% | 1,046 |
| Total domestic deposits to total assets | 78.3535% | 4,307 |
| Equity capital to assets | 11.5322% | 2,507 |
| Core capital (leverage) ratio | 12.3513% | 1,568 |
| Tier 1 risk-based capital ratio | 17.4211% | 1,918 |
| Total risk-based capital ratio | 18.6729% | 1,873 |
| Memoranda: | ||
| Average total assets | $186,985,400 | 2,946 |
| Average earning assets | $181,907,600 | 2,868 |
| Average equity | $22,110,600 | 2,950 |
| Average total loans | $159,189,400 | 2,519 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,903 |
| Cost of funding earning assets | 0.8412% | 2,507 |
| Net interest margin | 3.7064% | 2,893 |
| Noninterest income to average assets | 0.2430% | 4,282 |
| Noninterest expense to average assets | 2.1187% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6552% | 819 |
| Return on assets (ROA) | 1.6552% | 861 |
| Pretax return on assets | 1.7292% | 1,248 |
| Return on Equity (ROE) | 13.9045% | 1,003 |
| Retained earnings to average equity (ytd only) | 9.3713% | 939 |
| Net charge-offs to loans | 0.0593% | 1,974 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 34.0575% | 1,507 |
| Efficiency ratio | 55.0613% | 4,276 |
| Assets per employee ($millions) | 5.8733% | 1,696 |
| Cash dividends to net income (ytd only)* | 32.6031% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,183 |
| Loan loss allowance to noncurrent loans | 4,169.0476% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 4,561 |
| Noncurrent loans to loans | 0.0256% | 4,564 |
| Net loans and leases to total assets | 86.2811% | 176 |
| Net loans and leases to deposits | 111.7435% | 186 |
| Net loans and leases to core deposits | 113.6305% | 774 |
| Total domestic deposits to total assets | 77.2135% | 4,485 |
| Equity capital to assets | 12.0370% | 2,231 |
| Core capital (leverage) ratio | 12.2359% | 1,712 |
| Tier 1 risk-based capital ratio | 17.3123% | 1,994 |
| Total risk-based capital ratio | 18.5637% | 1,955 |
| Memoranda: | ||
| Average total assets | $183,817,250 | 3,003 |
| Average earning assets | $178,786,500 | 2,921 |
| Average equity | $21,882,000 | 2,994 |
| Average total loans | $157,407,000 | 2,566 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5112% | 2,981 |
| Cost of funding earning assets | 0.8337% | 2,487 |
| Net interest margin | 3.6774% | 3,000 |
| Noninterest income to average assets | 0.2401% | 4,317 |
| Noninterest expense to average assets | 2.1157% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6301% | 852 |
| Return on assets (ROA) | 1.6301% | 890 |
| Pretax return on assets | 1.7025% | 1,265 |
| Return on Equity (ROE) | 13.7462% | 1,037 |
| Retained earnings to average equity (ytd only) | 9.9838% | 759 |
| Net charge-offs to loans | 0.0502% | 1,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 39.8205% | 1,249 |
| Efficiency ratio | 55.4120% | 4,324 |
| Assets per employee ($millions) | 5.8036% | 1,694 |
| Cash dividends to net income (ytd only)* | 27.3705% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 2,852 |
| Loan loss allowance to noncurrent loans | 3,636.7347% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 4,646 |
| Noncurrent loans to loans | 0.0313% | 4,560 |
| Net loans and leases to total assets | 83.3251% | 428 |
| Net loans and leases to deposits | 107.5460% | 287 |
| Net loans and leases to core deposits | 109.3780% | 1,007 |
| Total domestic deposits to total assets | 77.4785% | 4,487 |
| Equity capital to assets | 11.9322% | 2,244 |
| Core capital (leverage) ratio | 12.3323% | 1,620 |
| Tier 1 risk-based capital ratio | 17.7865% | 1,859 |
| Total risk-based capital ratio | 19.0385% | 1,811 |
| Memoranda: | ||
| Average total assets | $182,441,330 | 3,025 |
| Average earning assets | $177,514,330 | 2,942 |
| Average equity | $21,635,000 | 3,008 |
| Average total loans | $155,238,670 | 2,605 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 2,698 |
| Cost of funding earning assets | 0.8091% | 2,482 |
| Net interest margin | 3.7408% | 2,742 |
| Noninterest income to average assets | 0.2478% | 4,239 |
| Noninterest expense to average assets | 2.1836% | 4,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6327% | 835 |
| Return on assets (ROA) | 1.6327% | 866 |
| Pretax return on assets | 1.7057% | 1,193 |
| Return on Equity (ROE) | 13.8121% | 1,009 |
| Retained earnings to average equity (ytd only) | 12.4085% | 548 |
| Net charge-offs to loans | -0.0259% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1433% | 4,314 |
| Assets per employee ($millions) | 5.7263% | 1,771 |
| Cash dividends to net income (ytd only)* | 10.1626% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,696 |
| Loan loss allowance to noncurrent loans | 1,419.3798% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,466 |
| Noncurrent loans to loans | 0.0830% | 4,383 |
| Net loans and leases to total assets | 83.7941% | 391 |
| Net loans and leases to deposits | 107.5945% | 280 |
| Net loans and leases to core deposits | 109.4428% | 963 |
| Total domestic deposits to total assets | 77.8795% | 4,537 |
| Equity capital to assets | 11.8521% | 2,115 |
| Core capital (leverage) ratio | 11.8583% | 1,863 |
| Tier 1 risk-based capital ratio | 17.5960% | 1,917 |
| Total risk-based capital ratio | 18.8486% | 1,868 |
| Memoranda: | ||
| Average total assets | $180,804,000 | 3,076 |
| Average earning assets | $176,007,000 | 2,989 |
| Average equity | $21,372,500 | 3,037 |
| Average total loans | $154,593,000 | 2,644 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5257% | 2,384 |
| Cost of funding earning assets | 0.6377% | 2,481 |
| Net interest margin | 3.8880% | 2,366 |
| Noninterest income to average assets | 0.0938% | 5,170 |
| Noninterest expense to average assets | 2.3091% | 4,098 |
| Loan and lease loss provision to assets | 0.1708% | 1,167 |
| Net operating income to assets | 1.3257% | 1,697 |
| Return on assets (ROA) | 1.3257% | 1,689 |
| Pretax return on assets | 1.3848% | 2,193 |
| Return on Equity (ROE) | 11.1281% | 2,032 |
| Retained earnings to average equity (ytd only) | 5.1484% | 2,691 |
| Net charge-offs to loans | 0.1124% | 1,624 |
| Credit loss provision to net charge-offs | 184.3750% | 1,536 |
| Earnings coverage of net charge-offs (x) | 16.7875% | 2,226 |
| Efficiency ratio | 59.7482% | 3,906 |
| Assets per employee ($millions) | 5.5739% | 1,888 |
| Cash dividends to net income (ytd only)* | 53.7353% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,654 |
| Loan loss allowance to noncurrent loans | 1,400.7692% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 4,458 |
| Noncurrent loans to loans | 0.0845% | 4,370 |
| Net loans and leases to total assets | 85.2113% | 297 |
| Net loans and leases to deposits | 109.1006% | 274 |
| Net loans and leases to core deposits | 111.0204% | 940 |
| Total domestic deposits to total assets | 78.1035% | 4,470 |
| Equity capital to assets | 11.7887% | 2,040 |
| Core capital (leverage) ratio | 11.7936% | 1,880 |
| Tier 1 risk-based capital ratio | 17.1348% | 2,022 |
| Total risk-based capital ratio | 18.3873% | 1,962 |
| Memoranda: | ||
| Average total assets | $172,666,200 | 3,143 |
| Average earning assets | $167,464,400 | 3,049 |
| Average equity | $20,569,600 | 3,035 |
| Average total loans | $142,357,000 | 2,738 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 2,301 |
| Cost of funding earning assets | 0.5963% | 2,499 |
| Net interest margin | 3.9047% | 2,283 |
| Noninterest income to average assets | 0.2702% | 4,344 |
| Noninterest expense to average assets | 2.3265% | 4,031 |
| Loan and lease loss provision to assets | 0.1713% | 1,086 |
| Net operating income to assets | 1.4895% | 1,222 |
| Return on assets (ROA) | 1.4895% | 1,223 |
| Pretax return on assets | 1.5557% | 1,716 |
| Return on Equity (ROE) | 12.4692% | 1,613 |
| Retained earnings to average equity (ytd only) | 6.4725% | 2,401 |
| Net charge-offs to loans | 0.1367% | 1,187 |
| Credit loss provision to net charge-offs | 153.8462% | 1,669 |
| Earnings coverage of net charge-offs (x) | 15.5106% | 2,218 |
| Efficiency ratio | 57.3953% | 4,201 |
| Assets per employee ($millions) | 5.3840% | 2,031 |
| Cash dividends to net income (ytd only)* | 48.0922% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 2,756 |
| Loan loss allowance to noncurrent loans | 2,483.0986% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 3,602 |
| Noncurrent loans to loans | 0.0474% | 4,685 |
| Net loans and leases to total assets | 83.2848% | 539 |
| Net loans and leases to deposits | 108.1745% | 349 |
| Net loans and leases to core deposits | 110.1129% | 1,023 |
| Total domestic deposits to total assets | 76.9912% | 4,645 |
| Equity capital to assets | 11.7881% | 2,042 |
| Core capital (leverage) ratio | 11.7897% | 1,923 |
| Tier 1 risk-based capital ratio | 17.5130% | 1,925 |
| Total risk-based capital ratio | 18.7656% | 1,884 |
| Memoranda: | ||
| Average total assets | $171,241,250 | 3,183 |
| Average earning assets | $165,917,250 | 3,090 |
| Average equity | $20,455,250 | 3,074 |
| Average total loans | $139,494,000 | 2,788 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,057 |
| Cost of funding earning assets | 0.5648% | 2,477 |
| Net interest margin | 3.9473% | 2,042 |
| Noninterest income to average assets | 0.2649% | 4,415 |
| Noninterest expense to average assets | 2.3584% | 4,004 |
| Loan and lease loss provision to assets | 0.1419% | 1,374 |
| Net operating income to assets | 1.5234% | 1,095 |
| Return on assets (ROA) | 1.5234% | 1,097 |
| Pretax return on assets | 1.5920% | 1,524 |
| Return on Equity (ROE) | 12.6945% | 1,477 |
| Retained earnings to average equity (ytd only) | 7.5694% | 1,813 |
| Net charge-offs to loans | 0.2175% | 732 |
| Credit loss provision to net charge-offs | 81.0811% | 2,244 |
| Earnings coverage of net charge-offs (x) | 9.9054% | 2,364 |
| Efficiency ratio | 57.6301% | 4,296 |
| Assets per employee ($millions) | 5.3090% | 2,094 |
| Cash dividends to net income (ytd only)* | 40.3727% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 2,905 |
| Loan loss allowance to noncurrent loans | 3,454.1667% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 3,716 |
| Noncurrent loans to loans | 0.0337% | 4,766 |
| Net loans and leases to total assets | 80.3011% | 974 |
| Net loans and leases to deposits | 102.9972% | 592 |
| Net loans and leases to core deposits | 104.8448% | 1,327 |
| Total domestic deposits to total assets | 77.9644% | 4,595 |
| Equity capital to assets | 11.8318% | 1,971 |
| Core capital (leverage) ratio | 11.7943% | 1,842 |
| Tier 1 risk-based capital ratio | 18.2326% | 1,741 |
| Total risk-based capital ratio | 19.4851% | 1,696 |
| Memoranda: | ||
| Average total assets | $169,098,000 | 3,225 |
| Average earning assets | $163,959,330 | 3,130 |
| Average equity | $20,292,330 | 3,105 |
| Average total loans | $136,080,000 | 2,842 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 2,821 |
| Cost of funding earning assets | 0.5238% | 2,601 |
| Net interest margin | 3.6961% | 2,814 |
| Noninterest income to average assets | 0.3083% | 4,097 |
| Noninterest expense to average assets | 2.4138% | 3,908 |
| Loan and lease loss provision to assets | 0.2409% | 635 |
| Net operating income to assets | 1.1876% | 2,062 |
| Return on assets (ROA) | 1.1876% | 2,073 |
| Pretax return on assets | 1.2406% | 2,593 |
| Return on Equity (ROE) | 9.8237% | 2,525 |
| Retained earnings to average equity (ytd only) | 4.3439% | 3,449 |
| Net charge-offs to loans | 0.4363% | 352 |
| Credit loss provision to net charge-offs | 68.9655% | 1,838 |
| Earnings coverage of net charge-offs (x) | 4.2414% | 2,316 |
| Efficiency ratio | 61.9666% | 3,789 |
| Assets per employee ($millions) | 5.2632% | 2,178 |
| Cash dividends to net income (ytd only)* | 55.7809% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,862 |
| Loan loss allowance to noncurrent loans | 253.6321% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 3,335 |
| Noncurrent loans to loans | 0.4696% | 3,122 |
| Net loans and leases to total assets | 78.3828% | 1,178 |
| Net loans and leases to deposits | 99.4935% | 749 |
| Net loans and leases to core deposits | 100.9693% | 1,614 |
| Total domestic deposits to total assets | 78.7818% | 4,610 |
| Equity capital to assets | 11.6192% | 2,048 |
| Core capital (leverage) ratio | 12.1155% | 1,579 |
| Tier 1 risk-based capital ratio | 18.4367% | 1,712 |
| Total risk-based capital ratio | 19.6901% | 1,673 |
| Memoranda: | ||
| Average total assets | $166,048,000 | 3,294 |
| Average earning assets | $161,141,500 | 3,206 |
| Average equity | $20,074,000 | 3,150 |
| Average total loans | $132,948,000 | 2,902 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 2,991 |
| Cost of funding earning assets | 0.4277% | 2,973 |
| Net interest margin | 3.6906% | 2,830 |
| Noninterest income to average assets | 0.4453% | 3,341 |
| Noninterest expense to average assets | 2.5103% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4778% | 851 |
| Return on assets (ROA) | 1.4778% | 868 |
| Pretax return on assets | 1.5067% | 1,612 |
| Return on Equity (ROE) | 11.8765% | 1,244 |
| Retained earnings to average equity (ytd only) | 6.2760% | 1,393 |
| Net charge-offs to loans | 0.0353% | 3,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 54.6047% | 1,029 |
| Efficiency ratio | 62.4920% | 3,860 |
| Assets per employee ($millions) | 4.8003% | 2,733 |
| Cash dividends to net income (ytd only)* | 47.1559% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,135 |
| Loan loss allowance to noncurrent loans | 194.9133% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 2,736 |
| Noncurrent loans to loans | 0.6752% | 2,524 |
| Net loans and leases to total assets | 79.8112% | 987 |
| Net loans and leases to deposits | 103.4683% | 519 |
| Net loans and leases to core deposits | 103.4683% | 1,449 |
| Total domestic deposits to total assets | 77.1359% | 4,843 |
| Equity capital to assets | 12.6046% | 1,456 |
| Core capital (leverage) ratio | 12.5268% | 1,339 |
| Tier 1 risk-based capital ratio | 19.9598% | 1,331 |
| Total risk-based capital ratio | 21.2154% | 1,292 |
| Memoranda: | ||
| Average total assets | $155,837,400 | 3,405 |
| Average earning assets | $150,815,400 | 3,315 |
| Average equity | $19,391,200 | 3,207 |
| Average total loans | $121,688,600 | 3,036 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 3,024 |
| Cost of funding earning assets | 0.4095% | 3,094 |
| Net interest margin | 3.6790% | 2,826 |
| Noninterest income to average assets | 0.4708% | 3,204 |
| Noninterest expense to average assets | 2.5052% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5052% | 886 |
| Return on assets (ROA) | 1.5052% | 913 |
| Pretax return on assets | 1.5241% | 1,692 |
| Return on Equity (ROE) | 12.1365% | 1,298 |
| Retained earnings to average equity (ytd only) | 6.5670% | 1,931 |
| Net charge-offs to loans | 0.0389% | 2,662 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 50.6807% | 1,105 |
| Efficiency ratio | 62.1748% | 3,852 |
| Assets per employee ($millions) | 5.0468% | 2,397 |
| Cash dividends to net income (ytd only)* | 45.8903% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 2,173 |
| Loan loss allowance to noncurrent loans | 209.1358% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 3,065 |
| Noncurrent loans to loans | 0.6393% | 2,800 |
| Net loans and leases to total assets | 77.4008% | 1,365 |
| Net loans and leases to deposits | 98.9276% | 830 |
| Net loans and leases to core deposits | 98.9276% | 1,803 |
| Total domestic deposits to total assets | 78.2398% | 4,686 |
| Equity capital to assets | 12.1971% | 1,837 |
| Core capital (leverage) ratio | 12.4633% | 1,431 |
| Tier 1 risk-based capital ratio | 19.8151% | 1,405 |
| Total risk-based capital ratio | 21.0705% | 1,366 |
| Memoranda: | ||
| Average total assets | $155,194,250 | 3,444 |
| Average earning assets | $150,108,750 | 3,352 |
| Average equity | $19,247,250 | 3,248 |
| Average total loans | $120,082,000 | 3,082 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 2,857 |
| Cost of funding earning assets | 0.3865% | 3,217 |
| Net interest margin | 3.7042% | 2,643 |
| Noninterest income to average assets | 0.5056% | 2,989 |
| Noninterest expense to average assets | 2.4704% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5507% | 788 |
| Return on assets (ROA) | 1.5507% | 807 |
| Pretax return on assets | 1.6160% | 1,296 |
| Return on Equity (ROE) | 12.4313% | 1,179 |
| Retained earnings to average equity (ytd only) | 7.4148% | 1,387 |
| Net charge-offs to loans | 0.0136% | 2,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 154.6250% | 490 |
| Efficiency ratio | 60.4540% | 4,254 |
| Assets per employee ($millions) | 4.7700% | 2,690 |
| Cash dividends to net income (ytd only)* | 40.3538% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4182% | 1,870 |
| Loan loss allowance to noncurrent loans | 630.4029% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 4,493 |
| Noncurrent loans to loans | 0.2250% | 4,223 |
| Net loans and leases to total assets | 75.9960% | 1,547 |
| Net loans and leases to deposits | 97.2704% | 964 |
| Net loans and leases to core deposits | 98.0686% | 1,801 |
| Total domestic deposits to total assets | 78.1286% | 4,794 |
| Equity capital to assets | 12.3613% | 1,698 |
| Core capital (leverage) ratio | 12.4197% | 1,407 |
| Tier 1 risk-based capital ratio | 17.8009% | 1,921 |
| Total risk-based capital ratio | 19.0552% | 1,874 |
| Memoranda: | ||
| Average total assets | $153,093,330 | 3,478 |
| Average earning assets | $147,992,330 | 3,396 |
| Average equity | $19,097,000 | 3,264 |
| Average total loans | $117,878,000 | 3,122 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 2,666 |
| Cost of funding earning assets | 0.3456% | 3,580 |
| Net interest margin | 3.7497% | 2,313 |
| Noninterest income to average assets | 0.4320% | 3,434 |
| Noninterest expense to average assets | 2.5707% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4417% | 908 |
| Return on assets (ROA) | 1.4417% | 936 |
| Pretax return on assets | 1.4841% | 1,587 |
| Return on Equity (ROE) | 11.5032% | 1,405 |
| Retained earnings to average equity (ytd only) | 7.0415% | 1,836 |
| Net charge-offs to loans | -0.0103% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3987% | 3,930 |
| Assets per employee ($millions) | 4.6726% | 2,888 |
| Cash dividends to net income (ytd only)* | 38.7868% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 1,817 |
| Loan loss allowance to noncurrent loans | 632.1168% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 4,528 |
| Noncurrent loans to loans | 0.2313% | 4,285 |
| Net loans and leases to total assets | 75.6941% | 1,458 |
| Net loans and leases to deposits | 97.5552% | 807 |
| Net loans and leases to core deposits | 98.3783% | 1,632 |
| Total domestic deposits to total assets | 77.5910% | 5,024 |
| Equity capital to assets | 12.3757% | 1,615 |
| Core capital (leverage) ratio | 12.4229% | 1,374 |
| Tier 1 risk-based capital ratio | 17.3023% | 2,097 |
| Total risk-based capital ratio | 18.5553% | 2,041 |
| Memoranda: | ||
| Average total assets | $150,934,500 | 3,544 |
| Average earning assets | $145,823,500 | 3,452 |
| Average equity | $18,916,500 | 3,300 |
| Average total loans | $116,143,500 | 3,168 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 2,607 |
| Cost of funding earning assets | 0.3904% | 3,099 |
| Net interest margin | 3.7751% | 2,407 |
| Noninterest income to average assets | 0.4888% | 3,309 |
| Noninterest expense to average assets | 2.6289% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4380% | 943 |
| Return on assets (ROA) | 1.4380% | 966 |
| Pretax return on assets | 1.5096% | 1,557 |
| Return on Equity (ROE) | 11.7079% | 1,336 |
| Retained earnings to average equity (ytd only) | 6.5026% | 1,456 |
| Net charge-offs to loans | -0.0165% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5237% | 4,029 |
| Assets per employee ($millions) | 4.4749% | 3,154 |
| Cash dividends to net income (ytd only)* | 44.4601% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 1,602 |
| Loan loss allowance to noncurrent loans | 751.7391% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 4,694 |
| Noncurrent loans to loans | 0.2020% | 4,434 |
| Net loans and leases to total assets | 75.9169% | 1,527 |
| Net loans and leases to deposits | 98.3921% | 790 |
| Net loans and leases to core deposits | 99.2642% | 1,687 |
| Total domestic deposits to total assets | 77.1575% | 5,101 |
| Equity capital to assets | 12.6971% | 1,400 |
| Core capital (leverage) ratio | 12.5008% | 1,332 |
| Tier 1 risk-based capital ratio | 17.3399% | 2,048 |
| Total risk-based capital ratio | 18.5939% | 2,007 |
| Memoranda: | ||
| Average total assets | $148,121,800 | 3,550 |
| Average earning assets | $143,202,200 | 3,463 |
| Average equity | $18,192,800 | 3,379 |
| Average total loans | $109,222,200 | 3,220 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 2,689 |
| Cost of funding earning assets | 0.4009% | 3,014 |
| Net interest margin | 3.7473% | 2,528 |
| Noninterest income to average assets | 0.5181% | 3,131 |
| Noninterest expense to average assets | 2.5733% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4940% | 887 |
| Return on assets (ROA) | 1.4940% | 935 |
| Pretax return on assets | 1.5686% | 1,470 |
| Return on Equity (ROE) | 12.2669% | 1,243 |
| Retained earnings to average equity (ytd only) | 7.1711% | 1,543 |
| Net charge-offs to loans | -0.0136% | 4,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1281% | 4,208 |
| Assets per employee ($millions) | 4.6636% | 2,814 |
| Cash dividends to net income (ytd only)* | 41.5414% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,685 |
| Loan loss allowance to noncurrent loans | 162.2997% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 2,783 |
| Noncurrent loans to loans | 0.9378% | 2,369 |
| Net loans and leases to total assets | 74.6541% | 1,766 |
| Net loans and leases to deposits | 96.5768% | 990 |
| Net loans and leases to core deposits | 97.4221% | 1,871 |
| Total domestic deposits to total assets | 77.3002% | 5,031 |
| Equity capital to assets | 12.4220% | 1,827 |
| Core capital (leverage) ratio | 12.3139% | 1,477 |
| Tier 1 risk-based capital ratio | 16.6799% | 2,341 |
| Total risk-based capital ratio | 17.9332% | 2,291 |
| Memoranda: | ||
| Average total assets | $148,234,250 | 3,570 |
| Average earning assets | $143,353,000 | 3,470 |
| Average equity | $18,053,500 | 3,419 |
| Average total loans | $108,068,500 | 3,252 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 2,874 |
| Cost of funding earning assets | 0.4177% | 2,857 |
| Net interest margin | 3.6794% | 2,787 |
| Noninterest income to average assets | 0.5625% | 2,834 |
| Noninterest expense to average assets | 2.5747% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4767% | 929 |
| Return on assets (ROA) | 1.4767% | 980 |
| Pretax return on assets | 1.5497% | 1,529 |
| Return on Equity (ROE) | 12.2066% | 1,241 |
| Retained earnings to average equity (ytd only) | 7.4111% | 1,427 |
| Net charge-offs to loans | -0.0263% | 5,064 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4262% | 4,280 |
| Assets per employee ($millions) | 4.7128% | 2,689 |
| Cash dividends to net income (ytd only)* | 39.2857% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 1,848 |
| Loan loss allowance to noncurrent loans | 153.1481% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 2,829 |
| Noncurrent loans to loans | 0.9810% | 2,319 |
| Net loans and leases to total assets | 71.9015% | 2,189 |
| Net loans and leases to deposits | 92.9057% | 1,406 |
| Net loans and leases to core deposits | 93.7094% | 2,194 |
| Total domestic deposits to total assets | 77.3919% | 5,097 |
| Equity capital to assets | 12.0881% | 2,066 |
| Core capital (leverage) ratio | 12.1291% | 1,550 |
| Tier 1 risk-based capital ratio | 16.7372% | 2,336 |
| Total risk-based capital ratio | 17.9914% | 2,288 |
| Memoranda: | ||
| Average total assets | $147,900,670 | 3,591 |
| Average earning assets | $143,176,670 | 3,491 |
| Average equity | $17,892,000 | 3,455 |
| Average total loans | $106,380,670 | 3,299 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 2,761 |
| Cost of funding earning assets | 0.4487% | 2,599 |
| Net interest margin | 3.6745% | 2,782 |
| Noninterest income to average assets | 0.4698% | 3,342 |
| Noninterest expense to average assets | 2.5620% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3957% | 1,043 |
| Return on assets (ROA) | 1.3957% | 1,102 |
| Pretax return on assets | 1.4640% | 1,705 |
| Return on Equity (ROE) | 11.5330% | 1,452 |
| Retained earnings to average equity (ytd only) | 7.0417% | 1,867 |
| Net charge-offs to loans | -0.0306% | 5,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6364% | 4,183 |
| Assets per employee ($millions) | 4.6692% | 2,792 |
| Cash dividends to net income (ytd only)* | 38.9432% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,857 |
| Loan loss allowance to noncurrent loans | 226.6850% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 3,655 |
| Noncurrent loans to loans | 0.6764% | 3,147 |
| Net loans and leases to total assets | 70.8307% | 2,218 |
| Net loans and leases to deposits | 93.0521% | 1,221 |
| Net loans and leases to core deposits | 93.8784% | 2,000 |
| Total domestic deposits to total assets | 76.1194% | 5,398 |
| Equity capital to assets | 11.9661% | 2,052 |
| Core capital (leverage) ratio | 12.1776% | 1,508 |
| Tier 1 risk-based capital ratio | 16.8115% | 2,361 |
| Total risk-based capital ratio | 18.0658% | 2,303 |
| Memoranda: | ||
| Average total assets | $146,446,500 | 3,629 |
| Average earning assets | $141,733,000 | 3,532 |
| Average equity | $17,723,000 | 3,473 |
| Average total loans | $104,527,000 | 3,341 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 3,478 |
| Cost of funding earning assets | 0.4777% | 2,374 |
| Net interest margin | 3.4803% | 3,595 |
| Noninterest income to average assets | 0.5471% | 3,027 |
| Noninterest expense to average assets | 2.5995% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2473% | 1,392 |
| Return on assets (ROA) | 1.2473% | 1,450 |
| Pretax return on assets | 1.3089% | 2,244 |
| Return on Equity (ROE) | 10.2520% | 1,896 |
| Retained earnings to average equity (ytd only) | 2.8193% | 4,065 |
| Net charge-offs to loans | -0.0225% | 5,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5095% | 3,827 |
| Assets per employee ($millions) | 4.3478% | 3,311 |
| Cash dividends to net income (ytd only)* | 72.5000% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 1,573 |
| Loan loss allowance to noncurrent loans | 198.0676% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 3,363 |
| Noncurrent loans to loans | 0.8152% | 2,746 |
| Net loans and leases to total assets | 69.6513% | 2,422 |
| Net loans and leases to deposits | 95.2969% | 1,086 |
| Net loans and leases to core deposits | 96.2153% | 1,826 |
| Total domestic deposits to total assets | 73.0887% | 5,716 |
| Equity capital to assets | 12.2436% | 1,782 |
| Core capital (leverage) ratio | 12.2403% | 1,486 |
| Tier 1 risk-based capital ratio | 17.1789% | 2,227 |
| Total risk-based capital ratio | 18.4346% | 2,179 |
| Memoranda: | ||
| Average total assets | $141,106,600 | 3,706 |
| Average earning assets | $136,280,000 | 3,591 |
| Average equity | $17,167,400 | 3,508 |
| Average total loans | $93,495,000 | 3,516 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 3,612 |
| Cost of funding earning assets | 0.4824% | 2,383 |
| Net interest margin | 3.4517% | 3,743 |
| Noninterest income to average assets | 0.5579% | 2,999 |
| Noninterest expense to average assets | 2.5790% | 3,949 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2506% | 1,483 |
| Return on assets (ROA) | 1.2506% | 1,539 |
| Pretax return on assets | 1.3123% | 2,348 |
| Return on Equity (ROE) | 10.2961% | 1,976 |
| Retained earnings to average equity (ytd only) | 1.8983% | 4,938 |
| Net charge-offs to loans | -0.0219% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2765% | 3,846 |
| Assets per employee ($millions) | 4.5845% | 2,865 |
| Cash dividends to net income (ytd only)* | 81.5631% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 1,489 |
| Loan loss allowance to noncurrent loans | 381.7757% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 4,563 |
| Noncurrent loans to loans | 0.4435% | 4,017 |
| Net loans and leases to total assets | 66.7565% | 2,887 |
| Net loans and leases to deposits | 90.2574% | 1,610 |
| Net loans and leases to core deposits | 91.1243% | 2,346 |
| Total domestic deposits to total assets | 73.9623% | 5,717 |
| Equity capital to assets | 12.1910% | 1,968 |
| Core capital (leverage) ratio | 11.9967% | 1,674 |
| Tier 1 risk-based capital ratio | 17.5286% | 2,179 |
| Total risk-based capital ratio | 18.7841% | 2,136 |
| Memoranda: | ||
| Average total assets | $140,513,500 | 3,751 |
| Average earning assets | $135,698,250 | 3,633 |
| Average equity | $17,067,500 | 3,546 |
| Average total loans | $91,475,000 | 3,592 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,754 |
| Cost of funding earning assets | 0.4899% | 2,353 |
| Net interest margin | 3.3939% | 3,929 |
| Noninterest income to average assets | 0.6001% | 2,740 |
| Noninterest expense to average assets | 2.5718% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2431% | 1,479 |
| Return on assets (ROA) | 1.2431% | 1,546 |
| Pretax return on assets | 1.3045% | 2,347 |
| Return on Equity (ROE) | 10.2465% | 1,962 |
| Retained earnings to average equity (ytd only) | 0.4122% | 5,383 |
| Net charge-offs to loans | -0.0156% | 5,075 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3472% | 3,954 |
| Assets per employee ($millions) | 4.2844% | 3,331 |
| Cash dividends to net income (ytd only)* | 95.9770% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 1,468 |
| Loan loss allowance to noncurrent loans | 367.0429% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.3041% | 4,665 |
| Noncurrent loans to loans | 0.4795% | 4,035 |
| Net loans and leases to total assets | 62.3007% | 3,512 |
| Net loans and leases to deposits | 80.6215% | 2,706 |
| Net loans and leases to core deposits | 81.3441% | 3,245 |
| Total domestic deposits to total assets | 77.2755% | 5,415 |
| Equity capital to assets | 11.7511% | 2,207 |
| Core capital (leverage) ratio | 11.7692% | 1,795 |
| Tier 1 risk-based capital ratio | 19.1697% | 1,759 |
| Total risk-based capital ratio | 20.4273% | 1,724 |
| Memoranda: | ||
| Average total assets | $139,977,670 | 3,779 |
| Average earning assets | $135,125,000 | 3,682 |
| Average equity | $16,981,330 | 3,568 |
| Average total loans | $89,797,000 | 3,649 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 3,633 |
| Cost of funding earning assets | 0.4931% | 2,349 |
| Net interest margin | 3.4034% | 3,831 |
| Noninterest income to average assets | 0.4871% | 3,376 |
| Noninterest expense to average assets | 2.6719% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0501% | 2,034 |
| Return on assets (ROA) | 1.0501% | 2,179 |
| Pretax return on assets | 1.0968% | 3,096 |
| Return on Equity (ROE) | 8.5142% | 2,690 |
| Retained earnings to average equity (ytd only) | -8.0412% | 6,082 |
| Net charge-offs to loans | -0.0723% | 5,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8978% | 3,335 |
| Assets per employee ($millions) | 4.2130% | 3,543 |
| Cash dividends to net income (ytd only)* | 194.4444% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8231% | 1,447 |
| Loan loss allowance to noncurrent loans | 295.1264% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 4,434 |
| Noncurrent loans to loans | 0.6177% | 3,723 |
| Net loans and leases to total assets | 63.3302% | 3,187 |
| Net loans and leases to deposits | 83.0649% | 2,202 |
| Net loans and leases to core deposits | 83.8560% | 2,789 |
| Total domestic deposits to total assets | 76.2418% | 5,708 |
| Equity capital to assets | 12.0427% | 1,999 |
| Core capital (leverage) ratio | 11.8582% | 1,731 |
| Tier 1 risk-based capital ratio | 19.2044% | 1,814 |
| Total risk-based capital ratio | 20.4627% | 1,768 |
| Memoranda: | ||
| Average total assets | $137,131,000 | 3,858 |
| Average earning assets | $132,220,000 | 3,744 |
| Average equity | $16,913,000 | 3,602 |
| Average total loans | $88,505,500 | 3,685 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 3,601 |
| Cost of funding earning assets | 0.5312% | 2,378 |
| Net interest margin | 3.4989% | 3,800 |
| Noninterest income to average assets | 0.6756% | 2,428 |
| Noninterest expense to average assets | 2.9259% | 3,064 |
| Loan and lease loss provision to assets | -0.0495% | 6,033 |
| Net operating income to assets | 1.1177% | 1,912 |
| Return on assets (ROA) | 1.1177% | 1,967 |
| Pretax return on assets | 1.1729% | 2,767 |
| Return on Equity (ROE) | 9.3799% | 2,399 |
| Retained earnings to average equity (ytd only) | 0.2137% | 5,681 |
| Net charge-offs to loans | 0.1092% | 2,959 |
| Credit loss provision to net charge-offs | -71.4286% | 5,463 |
| Earnings coverage of net charge-offs (x) | 16.2041% | 2,033 |
| Efficiency ratio | 72.2572% | 3,163 |
| Assets per employee ($millions) | 3.8638% | 4,233 |
| Cash dividends to net income (ytd only)* | 97.7215% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 1,413 |
| Loan loss allowance to noncurrent loans | 321.8688% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4977% | 4,140 |
| Noncurrent loans to loans | 0.5760% | 3,943 |
| Net loans and leases to total assets | 63.3792% | 3,305 |
| Net loans and leases to deposits | 89.0677% | 1,611 |
| Net loans and leases to core deposits | 90.0030% | 2,282 |
| Total domestic deposits to total assets | 71.1585% | 6,134 |
| Equity capital to assets | 12.6324% | 1,576 |
| Core capital (leverage) ratio | 12.3637% | 1,415 |
| Tier 1 risk-based capital ratio | 20.7232% | 1,461 |
| Total risk-based capital ratio | 21.9836% | 1,436 |
| Memoranda: | ||
| Average total assets | $141,356,800 | 3,772 |
| Average earning assets | $136,298,600 | 3,654 |
| Average equity | $16,844,600 | 3,547 |
| Average total loans | $89,757,400 | 3,634 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 3,539 |
| Cost of funding earning assets | 0.5425% | 2,351 |
| Net interest margin | 3.5119% | 3,777 |
| Noninterest income to average assets | 0.7381% | 2,145 |
| Noninterest expense to average assets | 2.8964% | 3,134 |
| Loan and lease loss provision to assets | -0.0457% | 6,175 |
| Net operating income to assets | 1.2168% | 1,624 |
| Return on assets (ROA) | 1.2168% | 1,687 |
| Pretax return on assets | 1.2765% | 2,473 |
| Return on Equity (ROE) | 10.3582% | 2,050 |
| Retained earnings to average equity (ytd only) | -1.9064% | 6,061 |
| Net charge-offs to loans | 0.1254% | 2,543 |
| Credit loss provision to net charge-offs | -57.6471% | 5,366 |
| Earnings coverage of net charge-offs (x) | 15.5177% | 2,043 |
| Efficiency ratio | 70.1786% | 3,480 |
| Assets per employee ($millions) | 3.9528% | 3,976 |
| Cash dividends to net income (ytd only)* | 118.4054% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 1,461 |
| Loan loss allowance to noncurrent loans | 173.8170% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 3,625 |
| Noncurrent loans to loans | 1.0901% | 2,892 |
| Net loans and leases to total assets | 61.8628% | 3,508 |
| Net loans and leases to deposits | 79.6816% | 2,741 |
| Net loans and leases to core deposits | 80.4304% | 3,265 |
| Total domestic deposits to total assets | 77.6376% | 5,589 |
| Equity capital to assets | 12.1484% | 1,947 |
| Core capital (leverage) ratio | 11.9105% | 1,754 |
| Tier 1 risk-based capital ratio | 20.3494% | 1,588 |
| Total risk-based capital ratio | 21.6098% | 1,551 |
| Memoranda: | ||
| Average total assets | $142,888,000 | 3,777 |
| Average earning assets | $137,888,500 | 3,661 |
| Average equity | $16,785,000 | 3,577 |
| Average total loans | $90,364,750 | 3,654 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 4,189 |
| Cost of funding earning assets | 0.5655% | 2,202 |
| Net interest margin | 3.3214% | 4,503 |
| Noninterest income to average assets | 0.7978% | 1,849 |
| Noninterest expense to average assets | 2.9473% | 3,015 |
| Loan and lease loss provision to assets | -0.0512% | 6,295 |
| Net operating income to assets | 1.0554% | 2,105 |
| Return on assets (ROA) | 1.0554% | 2,179 |
| Pretax return on assets | 1.1066% | 3,079 |
| Return on Equity (ROE) | 9.0835% | 2,552 |
| Retained earnings to average equity (ytd only) | -5.1497% | 6,246 |
| Net charge-offs to loans | -0.0569% | 5,932 |
| Credit loss provision to net charge-offs | 142.3077% | 1,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6332% | 3,041 |
| Assets per employee ($millions) | 4.1444% | 3,557 |
| Cash dividends to net income (ytd only)* | 156.6929% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9775% | 1,406 |
| Loan loss allowance to noncurrent loans | 140.9524% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 3,309 |
| Noncurrent loans to loans | 1.4029% | 2,452 |
| Net loans and leases to total assets | 62.4776% | 3,331 |
| Net loans and leases to deposits | 80.2948% | 2,480 |
| Net loans and leases to core deposits | 80.2948% | 3,178 |
| Total domestic deposits to total assets | 77.8103% | 5,674 |
| Equity capital to assets | 11.7914% | 2,167 |
| Core capital (leverage) ratio | 11.4611% | 2,039 |
| Tier 1 risk-based capital ratio | 19.3931% | 1,825 |
| Total risk-based capital ratio | 20.6536% | 1,791 |
| Memoranda: | ||
| Average total assets | $144,401,330 | 3,774 |
| Average earning assets | $139,340,670 | 3,662 |
| Average equity | $16,777,670 | 3,568 |
| Average total loans | $91,406,670 | 3,656 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 4,370 |
| Cost of funding earning assets | 0.5987% | 1,980 |
| Net interest margin | 3.2293% | 4,819 |
| Noninterest income to average assets | 0.5994% | 2,738 |
| Noninterest expense to average assets | 2.8683% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8074% | 3,115 |
| Return on assets (ROA) | 0.8074% | 3,195 |
| Pretax return on assets | 0.8457% | 3,920 |
| Return on Equity (ROE) | 6.9992% | 3,474 |
| Retained earnings to average equity (ytd only) | -8.9211% | 6,324 |
| Net charge-offs to loans | -0.0304% | 5,560 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2292% | 2,603 |
| Assets per employee ($millions) | 3.9888% | 3,969 |
| Cash dividends to net income (ytd only)* | 227.4576% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 1,698 |
| Loan loss allowance to noncurrent loans | 76.1226% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.7061% | 2,070 |
| Noncurrent loans to loans | 2.5216% | 1,370 |
| Net loans and leases to total assets | 61.0378% | 3,390 |
| Net loans and leases to deposits | 79.5412% | 2,362 |
| Net loans and leases to core deposits | 79.5412% | 3,029 |
| Total domestic deposits to total assets | 76.7373% | 5,996 |
| Equity capital to assets | 11.2959% | 2,434 |
| Core capital (leverage) ratio | 11.7215% | 1,817 |
| Tier 1 risk-based capital ratio | 19.0323% | 1,958 |
| Total risk-based capital ratio | 20.2927% | 1,920 |
| Memoranda: | ||
| Average total assets | $146,148,000 | 3,767 |
| Average earning assets | $140,961,000 | 3,652 |
| Average equity | $16,859,000 | 3,569 |
| Average total loans | $92,204,000 | 3,654 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 3,380 |
| Cost of funding earning assets | 0.8818% | 812 |
| Net interest margin | 3.3083% | 4,631 |
| Noninterest income to average assets | 0.7822% | 2,156 |
| Noninterest expense to average assets | 2.7450% | 3,929 |
| Loan and lease loss provision to assets | 0.0436% | 4,249 |
| Net operating income to assets | 1.1424% | 1,787 |
| Return on assets (ROA) | 1.1424% | 1,853 |
| Pretax return on assets | 1.1737% | 2,680 |
| Return on Equity (ROE) | 10.1286% | 2,060 |
| Retained earnings to average equity (ytd only) | 5.0764% | 2,540 |
| Net charge-offs to loans | 1.1321% | 486 |
| Credit loss provision to net charge-offs | 5.7658% | 4,637 |
| Earnings coverage of net charge-offs (x) | 1.6108% | 4,520 |
| Efficiency ratio | 69.2784% | 3,962 |
| Assets per employee ($millions) | 3.9111% | 4,047 |
| Cash dividends to net income (ytd only)* | 49.8808% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9306% | 1,706 |
| Loan loss allowance to noncurrent loans | 65.3621% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.9978% | 1,799 |
| Noncurrent loans to loans | 2.9537% | 1,169 |
| Net loans and leases to total assets | 62.7287% | 3,246 |
| Net loans and leases to deposits | 85.5498% | 1,743 |
| Net loans and leases to core deposits | 85.5498% | 2,500 |
| Total domestic deposits to total assets | 73.3243% | 6,326 |
| Equity capital to assets | 11.7799% | 1,961 |
| Core capital (leverage) ratio | 12.0588% | 1,565 |
| Tier 1 risk-based capital ratio | 19.4665% | 1,800 |
| Total risk-based capital ratio | 20.7271% | 1,756 |
| Memoranda: | ||
| Average total assets | $146,886,800 | 3,753 |
| Average earning assets | $141,190,000 | 3,649 |
| Average equity | $16,567,000 | 3,623 |
| Average total loans | $98,043,600 | 3,498 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,894 |
| Cost of funding earning assets | 0.9265% | 718 |
| Net interest margin | 3.3962% | 4,306 |
| Noninterest income to average assets | 0.7922% | 2,187 |
| Noninterest expense to average assets | 2.7095% | 3,986 |
| Loan and lease loss provision to assets | 0.0579% | 3,891 |
| Net operating income to assets | 1.2571% | 1,464 |
| Return on assets (ROA) | 1.2571% | 1,531 |
| Pretax return on assets | 1.2869% | 2,374 |
| Return on Equity (ROE) | 11.2683% | 1,716 |
| Retained earnings to average equity (ytd only) | 6.3070% | 2,232 |
| Net charge-offs to loans | 1.3935% | 362 |
| Credit loss provision to net charge-offs | 6.1598% | 4,270 |
| Earnings coverage of net charge-offs (x) | 1.4312% | 4,357 |
| Efficiency ratio | 66.8302% | 4,334 |
| Assets per employee ($millions) | 3.7994% | 4,241 |
| Cash dividends to net income (ytd only)* | 44.0287% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 1,659 |
| Loan loss allowance to noncurrent loans | 62.0240% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 1,817 |
| Noncurrent loans to loans | 3.2666% | 1,198 |
| Net loans and leases to total assets | 63.8779% | 3,017 |
| Net loans and leases to deposits | 90.1649% | 1,148 |
| Net loans and leases to core deposits | 90.1649% | 1,949 |
| Total domestic deposits to total assets | 70.8457% | 6,555 |
| Equity capital to assets | 12.0824% | 1,868 |
| Core capital (leverage) ratio | 11.9892% | 1,678 |
| Tier 1 risk-based capital ratio | 20.0892% | 1,714 |
| Total risk-based capital ratio | 21.3512% | 1,686 |
| Memoranda: | ||
| Average total assets | $147,430,500 | 3,789 |
| Average earning assets | $141,605,000 | 3,678 |
| Average equity | $16,447,000 | 3,680 |
| Average total loans | $99,413,750 | 3,490 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 3,091 |
| Cost of funding earning assets | 0.9727% | 632 |
| Net interest margin | 3.2937% | 4,611 |
| Noninterest income to average assets | 0.7788% | 2,282 |
| Noninterest expense to average assets | 2.6196% | 4,316 |
| Loan and lease loss provision to assets | 0.2017% | 1,882 |
| Net operating income to assets | 1.0674% | 2,048 |
| Return on assets (ROA) | 1.0674% | 2,166 |
| Pretax return on assets | 1.1195% | 3,016 |
| Return on Equity (ROE) | 9.8232% | 2,270 |
| Retained earnings to average equity (ytd only) | 3.8973% | 3,815 |
| Net charge-offs to loans | 0.5157% | 1,274 |
| Credit loss provision to net charge-offs | 57.4144% | 3,065 |
| Earnings coverage of net charge-offs (x) | 3.7605% | 3,307 |
| Efficiency ratio | 66.4746% | 4,457 |
| Assets per employee ($millions) | 4.0171% | 3,765 |
| Cash dividends to net income (ytd only)* | 60.3254% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8571% | 670 |
| Loan loss allowance to noncurrent loans | 48.1663% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 3.9076% | 907 |
| Noncurrent loans to loans | 5.9316% | 486 |
| Net loans and leases to total assets | 62.7947% | 3,139 |
| Net loans and leases to deposits | 88.4095% | 1,291 |
| Net loans and leases to core deposits | 88.4095% | 2,070 |
| Total domestic deposits to total assets | 71.0271% | 6,617 |
| Equity capital to assets | 11.1174% | 2,640 |
| Core capital (leverage) ratio | 11.3144% | 2,084 |
| Tier 1 risk-based capital ratio | 18.6927% | 2,087 |
| Total risk-based capital ratio | 19.7629% | 2,095 |
| Memoranda: | ||
| Average total assets | $149,715,330 | 3,779 |
| Average earning assets | $143,730,330 | 3,664 |
| Average equity | $16,267,670 | 3,726 |
| Average total loans | $102,000,330 | 3,436 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 2,952 |
| Cost of funding earning assets | 1.0351% | 510 |
| Net interest margin | 3.2495% | 4,734 |
| Noninterest income to average assets | 0.7268% | 2,444 |
| Noninterest expense to average assets | 2.4758% | 4,841 |
| Loan and lease loss provision to assets | 0.3993% | 775 |
| Net operating income to assets | 0.9238% | 2,553 |
| Return on assets (ROA) | 0.9238% | 2,694 |
| Pretax return on assets | 0.9690% | 3,489 |
| Return on Equity (ROE) | 8.6000% | 2,665 |
| Retained earnings to average equity (ytd only) | -3.3458% | 6,218 |
| Net charge-offs to loans | 1.1928% | 491 |
| Credit loss provision to net charge-offs | 47.9233% | 2,631 |
| Earnings coverage of net charge-offs (x) | 1.6422% | 3,283 |
| Efficiency ratio | 64.4044% | 4,942 |
| Assets per employee ($millions) | 3.8882% | 4,180 |
| Cash dividends to net income (ytd only)* | 138.9049% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5743% | 1,039 |
| Loan loss allowance to noncurrent loans | 45.4377% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 4.0128% | 993 |
| Noncurrent loans to loans | 5.6655% | 620 |
| Net loans and leases to total assets | 69.0060% | 1,842 |
| Net loans and leases to deposits | 99.5431% | 369 |
| Net loans and leases to core deposits | 100.7301% | 909 |
| Total domestic deposits to total assets | 69.3227% | 6,774 |
| Equity capital to assets | 10.8778% | 3,101 |
| Core capital (leverage) ratio | 10.8968% | 2,354 |
| Tier 1 risk-based capital ratio | 19.3001% | 1,955 |
| Total risk-based capital ratio | 20.5754% | 1,922 |
| Memoranda: | ||
| Average total assets | $150,257,000 | 3,800 |
| Average earning assets | $144,143,500 | 3,696 |
| Average equity | $16,139,500 | 3,796 |
| Average total loans | $104,961,500 | 3,401 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5699% | 3,124 |
| Cost of funding earning assets | 1.3496% | 306 |
| Net interest margin | 3.2203% | 5,518 |
| Noninterest income to average assets | 0.6777% | 2,844 |
| Noninterest expense to average assets | 2.5783% | 4,819 |
| Loan and lease loss provision to assets | 0.3877% | 1,684 |
| Net operating income to assets | 0.7596% | 3,468 |
| Return on assets (ROA) | 0.7596% | 3,709 |
| Pretax return on assets | 0.7968% | 4,307 |
| Return on Equity (ROE) | 8.0774% | 3,051 |
| Retained earnings to average equity (ytd only) | 8.0774% | 1,096 |
| Net charge-offs to loans | 0.3240% | 3,027 |
| Credit loss provision to net charge-offs | 170.8333% | 1,545 |
| Earnings coverage of net charge-offs (x) | 5.2194% | 3,106 |
| Efficiency ratio | 68.5207% | 4,052 |
| Assets per employee ($millions) | 4.1287% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7139% | 909 |
| Loan loss allowance to noncurrent loans | 51.3387% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 3.6429% | 1,220 |
| Noncurrent loans to loans | 5.2863% | 723 |
| Net loans and leases to total assets | 67.0418% | 2,356 |
| Net loans and leases to deposits | 96.9986% | 563 |
| Net loans and leases to core deposits | 98.1052% | 1,138 |
| Total domestic deposits to total assets | 69.1162% | 6,822 |
| Equity capital to assets | 10.6092% | 3,390 |
| Core capital (leverage) ratio | 10.6874% | 2,556 |
| Tier 1 risk-based capital ratio | 19.5171% | 1,808 |
| Total risk-based capital ratio | 20.7948% | 1,772 |
| Memoranda: | ||
| Average total assets | $158,629,000 | 3,643 |
| Average earning assets | $151,973,800 | 3,510 |
| Average equity | $14,918,200 | 3,978 |
| Average total loans | $111,120,400 | 3,274 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6202% | 3,131 |
| Cost of funding earning assets | 1.4281% | 269 |
| Net interest margin | 3.1920% | 5,721 |
| Noninterest income to average assets | 0.7071% | 2,674 |
| Noninterest expense to average assets | 2.5268% | 4,997 |
| Loan and lease loss provision to assets | 0.4081% | 1,571 |
| Net operating income to assets | 0.7903% | 3,499 |
| Return on assets (ROA) | 0.7903% | 3,738 |
| Pretax return on assets | 0.8286% | 4,386 |
| Return on Equity (ROE) | 8.6688% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.6688% | 1,357 |
| Net charge-offs to loans | 0.2653% | 3,128 |
| Credit loss provision to net charge-offs | 218.7500% | 1,274 |
| Earnings coverage of net charge-offs (x) | 6.6294% | 2,752 |
| Efficiency ratio | 67.1387% | 4,231 |
| Assets per employee ($millions) | 3.9325% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5998% | 1,081 |
| Loan loss allowance to noncurrent loans | 48.5526% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 3.9529% | 1,222 |
| Noncurrent loans to loans | 5.3546% | 814 |
| Net loans and leases to total assets | 71.9030% | 1,569 |
| Net loans and leases to deposits | 107.6719% | 200 |
| Net loans and leases to core deposits | 108.9713% | 609 |
| Total domestic deposits to total assets | 66.7798% | 6,958 |
| Equity capital to assets | 10.6741% | 3,633 |
| Core capital (leverage) ratio | 10.1749% | 3,312 |
| Tier 1 risk-based capital ratio | 18.1266% | 2,291 |
| Total risk-based capital ratio | 19.4018% | 2,260 |
| Memoranda: | ||
| Average total assets | $160,095,500 | 3,658 |
| Average earning assets | $153,295,500 | 3,528 |
| Average equity | $14,596,000 | 4,078 |
| Average total loans | $112,582,500 | 3,265 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 3,330 |
| Cost of funding earning assets | 1.4588% | 281 |
| Net interest margin | 3.1483% | 5,866 |
| Noninterest income to average assets | 0.7162% | 2,572 |
| Noninterest expense to average assets | 2.4858% | 5,187 |
| Loan and lease loss provision to assets | 0.4766% | 1,331 |
| Net operating income to assets | 0.7382% | 3,660 |
| Return on assets (ROA) | 0.7382% | 3,935 |
| Pretax return on assets | 0.7736% | 4,565 |
| Return on Equity (ROE) | 8.5405% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.5405% | 1,437 |
| Net charge-offs to loans | 0.3512% | 2,612 |
| Credit loss provision to net charge-offs | 195.9799% | 1,449 |
| Earnings coverage of net charge-offs (x) | 5.1407% | 2,897 |
| Efficiency ratio | 66.5358% | 4,419 |
| Assets per employee ($millions) | 4.2528% | 3,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5412% | 1,227 |
| Loan loss allowance to noncurrent loans | 73.9672% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 2.3365% | 2,391 |
| Noncurrent loans to loans | 3.4356% | 1,681 |
| Net loans and leases to total assets | 66.2805% | 2,615 |
| Net loans and leases to deposits | 95.8944% | 641 |
| Net loans and leases to core deposits | 96.9208% | 1,359 |
| Total domestic deposits to total assets | 69.1183% | 6,947 |
| Equity capital to assets | 9.6568% | 4,815 |
| Core capital (leverage) ratio | 9.5536% | 4,073 |
| Tier 1 risk-based capital ratio | 16.8761% | 2,729 |
| Total risk-based capital ratio | 18.1479% | 2,680 |
| Memoranda: | ||
| Average total assets | $163,648,670 | 3,602 |
| Average earning assets | $156,975,000 | 3,483 |
| Average equity | $14,144,330 | 4,172 |
| Average total loans | $113,337,670 | 3,266 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 3,784 |
| Cost of funding earning assets | 1.4832% | 313 |
| Net interest margin | 3.0499% | 6,182 |
| Noninterest income to average assets | 0.6461% | 2,949 |
| Noninterest expense to average assets | 2.4048% | 5,458 |
| Loan and lease loss provision to assets | 1.3603% | 270 |
| Net operating income to assets | -0.1870% | 6,622 |
| Return on assets (ROA) | -0.1870% | 6,677 |
| Pretax return on assets | -0.1919% | 6,658 |
| Return on Equity (ROE) | -2.2962% | 6,711 |
| Retained earnings to average equity (ytd only) | -2.2962% | 6,319 |
| Net charge-offs to loans | 0.0313% | 4,246 |
| Credit loss provision to net charge-offs | 6,222.2222% | 37 |
| Earnings coverage of net charge-offs (x) | 53.4444% | 600 |
| Efficiency ratio | 67.3012% | 4,299 |
| Assets per employee ($millions) | 4.3725% | 3,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7616% | 1,041 |
| Loan loss allowance to noncurrent loans | 68.6031% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.7661% | 2,118 |
| Noncurrent loans to loans | 4.0255% | 1,517 |
| Net loans and leases to total assets | 66.8155% | 2,330 |
| Net loans and leases to deposits | 95.5717% | 569 |
| Net loans and leases to core deposits | 96.5483% | 1,249 |
| Total domestic deposits to total assets | 69.9114% | 6,983 |
| Equity capital to assets | 8.9825% | 5,523 |
| Core capital (leverage) ratio | 8.9195% | 4,967 |
| Tier 1 risk-based capital ratio | 15.4142% | 3,494 |
| Total risk-based capital ratio | 16.6784% | 3,456 |
| Memoranda: | ||
| Average total assets | $164,669,500 | 3,605 |
| Average earning assets | $158,039,500 | 3,473 |
| Average equity | $13,413,500 | 4,323 |
| Average total loans | $115,053,000 | 3,252 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1216% | 2,365 |
| Cost of funding earning assets | 1.6130% | 451 |
| Net interest margin | 3.5086% | 5,108 |
| Noninterest income to average assets | 0.7477% | 2,348 |
| Noninterest expense to average assets | 2.8872% | 4,005 |
| Loan and lease loss provision to assets | 2.6131% | 163 |
| Net operating income to assets | -1.2896% | 6,851 |
| Return on assets (ROA) | -1.2896% | 6,869 |
| Pretax return on assets | -1.3882% | 6,866 |
| Return on Equity (ROE) | -16.0833% | 6,909 |
| Retained earnings to average equity (ytd only) | -16.0833% | 6,888 |
| Net charge-offs to loans | 2.5619% | 444 |
| Credit loss provision to net charge-offs | 136.7954% | 2,182 |
| Earnings coverage of net charge-offs (x) | 0.6412% | 5,342 |
| Efficiency ratio | 70.2118% | 3,900 |
| Assets per employee ($millions) | 4.0796% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 1,718 |
| Loan loss allowance to noncurrent loans | 78.9442% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 2.0198% | 2,945 |
| Noncurrent loans to loans | 2.8430% | 2,300 |
| Net loans and leases to total assets | 69.4515% | 2,134 |
| Net loans and leases to deposits | 98.1995% | 549 |
| Net loans and leases to core deposits | 99.2035% | 1,244 |
| Total domestic deposits to total assets | 70.7249% | 6,953 |
| Equity capital to assets | 7.2937% | 6,881 |
| Core capital (leverage) ratio | 7.3964% | 6,702 |
| Tier 1 risk-based capital ratio | 12.4327% | 5,504 |
| Total risk-based capital ratio | 13.7010% | 5,473 |
| Memoranda: | ||
| Average total assets | $165,317,800 | 3,565 |
| Average earning assets | $158,523,600 | 3,433 |
| Average equity | $13,256,000 | 4,289 |
| Average total loans | $123,265,600 | 3,116 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1914% | 2,236 |
| Cost of funding earning assets | 1.6489% | 478 |
| Net interest margin | 3.5425% | 5,013 |
| Noninterest income to average assets | 0.7613% | 2,252 |
| Noninterest expense to average assets | 3.0283% | 3,447 |
| Loan and lease loss provision to assets | 2.3032% | 208 |
| Net operating income to assets | -1.1729% | 6,945 |
| Return on assets (ROA) | -1.1729% | 6,967 |
| Pretax return on assets | -1.1729% | 6,930 |
| Return on Equity (ROE) | -14.3093% | 7,000 |
| Retained earnings to average equity (ytd only) | -14.3093% | 6,974 |
| Net charge-offs to loans | 2.4737% | 444 |
| Credit loss provision to net charge-offs | 123.4382% | 2,610 |
| Earnings coverage of net charge-offs (x) | 0.6058% | 5,169 |
| Efficiency ratio | 72.8204% | 3,397 |
| Assets per employee ($millions) | 4.1192% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 3,469 |
| Loan loss allowance to noncurrent loans | 57.0771% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.1096% | 3,021 |
| Noncurrent loans to loans | 2.8800% | 2,426 |
| Net loans and leases to total assets | 72.0474% | 1,691 |
| Net loans and leases to deposits | 101.6962% | 404 |
| Net loans and leases to core deposits | 102.7169% | 1,056 |
| Total domestic deposits to total assets | 70.8457% | 6,993 |
| Equity capital to assets | 7.6319% | 6,879 |
| Core capital (leverage) ratio | 7.5300% | 6,751 |
| Tier 1 risk-based capital ratio | 12.4617% | 5,524 |
| Total risk-based capital ratio | 13.7204% | 5,508 |
| Memoranda: | ||
| Average total assets | $165,851,500 | 3,578 |
| Average earning assets | $159,055,250 | 3,445 |
| Average equity | $13,594,500 | 4,218 |
| Average total loans | $125,098,250 | 3,100 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 2,288 |
| Cost of funding earning assets | 1.6723% | 523 |
| Net interest margin | 3.5201% | 5,071 |
| Noninterest income to average assets | 0.7605% | 2,205 |
| Noninterest expense to average assets | 3.3499% | 2,402 |
| Loan and lease loss provision to assets | 1.2526% | 610 |
| Net operating income to assets | -0.4729% | 6,666 |
| Return on assets (ROA) | -0.4729% | 6,691 |
| Pretax return on assets | -0.4633% | 6,636 |
| Return on Equity (ROE) | -5.6407% | 6,753 |
| Retained earnings to average equity (ytd only) | -5.6407% | 6,620 |
| Net charge-offs to loans | 1.5296% | 964 |
| Credit loss provision to net charge-offs | 107.5413% | 2,863 |
| Earnings coverage of net charge-offs (x) | 0.6777% | 4,784 |
| Efficiency ratio | 80.9302% | 2,251 |
| Assets per employee ($millions) | 4.2188% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 5,446 |
| Loan loss allowance to noncurrent loans | 50.5007% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 1.7754% | 3,543 |
| Noncurrent loans to loans | 2.4241% | 2,962 |
| Net loans and leases to total assets | 72.3424% | 1,722 |
| Net loans and leases to deposits | 103.5955% | 332 |
| Net loans and leases to core deposits | 104.6137% | 1,008 |
| Total domestic deposits to total assets | 69.8316% | 7,123 |
| Equity capital to assets | 8.0834% | 6,611 |
| Core capital (leverage) ratio | 8.5038% | 5,548 |
| Tier 1 risk-based capital ratio | 13.1494% | 4,804 |
| Total risk-based capital ratio | 14.4017% | 4,782 |
| Memoranda: | ||
| Average total assets | $166,212,670 | 3,595 |
| Average earning assets | $159,538,670 | 3,455 |
| Average equity | $13,934,330 | 4,135 |
| Average total loans | $126,566,000 | 3,096 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2539% | 2,033 |
| Cost of funding earning assets | 1.7100% | 528 |
| Net interest margin | 3.5438% | 4,834 |
| Noninterest income to average assets | 0.7324% | 2,379 |
| Noninterest expense to average assets | 2.5609% | 5,354 |
| Loan and lease loss provision to assets | 1.3362% | 504 |
| Net operating income to assets | 0.2280% | 5,689 |
| Return on assets (ROA) | 0.2280% | 5,757 |
| Pretax return on assets | 0.2377% | 5,842 |
| Return on Equity (ROE) | 2.6703% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.6703% | 4,563 |
| Net charge-offs to loans | 0.0312% | 4,663 |
| Credit loss provision to net charge-offs | 5,510.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 64.9000% | 463 |
| Efficiency ratio | 61.9355% | 5,692 |
| Assets per employee ($millions) | 4.1469% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,919 |
| Loan loss allowance to noncurrent loans | 50.9385% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 2.4046% | 2,835 |
| Noncurrent loans to loans | 3.0619% | 2,452 |
| Net loans and leases to total assets | 77.3080% | 826 |
| Net loans and leases to deposits | 111.1456% | 166 |
| Net loans and leases to core deposits | 112.2784% | 649 |
| Total domestic deposits to total assets | 69.5556% | 7,201 |
| Equity capital to assets | 8.7355% | 5,601 |
| Core capital (leverage) ratio | 8.3556% | 5,705 |
| Tier 1 risk-based capital ratio | 13.1873% | 4,677 |
| Total risk-based capital ratio | 14.4447% | 4,647 |
| Memoranda: | ||
| Average total assets | $164,942,500 | 3,634 |
| Average earning assets | $158,359,000 | 3,496 |
| Average equity | $14,081,000 | 4,096 |
| Average total loans | $128,052,500 | 3,106 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4221% | 2,571 |
| Cost of funding earning assets | 1.8683% | 948 |
| Net interest margin | 3.5538% | 5,025 |
| Noninterest income to average assets | 0.7180% | 2,732 |
| Noninterest expense to average assets | 2.5312% | 5,678 |
| Loan and lease loss provision to assets | 1.4084% | 1,068 |
| Net operating income to assets | 0.1829% | 5,328 |
| Return on assets (ROA) | 0.1829% | 5,494 |
| Pretax return on assets | 0.1829% | 5,525 |
| Return on Equity (ROE) | 2.1865% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.1865% | 4,364 |
| Net charge-offs to loans | 1.7956% | 1,176 |
| Credit loss provision to net charge-offs | 103.4361% | 4,355 |
| Earnings coverage of net charge-offs (x) | 1.1687% | 4,940 |
| Efficiency ratio | 61.3997% | 5,831 |
| Assets per employee ($millions) | 4.2039% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 5,898 |
| Loan loss allowance to noncurrent loans | 42.4028% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 2.0196% | 3,327 |
| Noncurrent loans to loans | 2.6307% | 2,892 |
| Net loans and leases to total assets | 75.9143% | 1,288 |
| Net loans and leases to deposits | 107.7359% | 275 |
| Net loans and leases to core deposits | 108.7658% | 999 |
| Total domestic deposits to total assets | 70.4634% | 7,212 |
| Equity capital to assets | 8.3459% | 6,085 |
| Core capital (leverage) ratio | 8.4369% | 5,473 |
| Tier 1 risk-based capital ratio | 12.7885% | 4,781 |
| Total risk-based capital ratio | 14.0389% | 4,745 |
| Memoranda: | ||
| Average total assets | $166,718,000 | 3,596 |
| Average earning assets | $159,716,200 | 3,459 |
| Average equity | $13,949,000 | 4,153 |
| Average total loans | $126,418,600 | 3,194 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4223% | 2,780 |
| Cost of funding earning assets | 1.8970% | 1,037 |
| Net interest margin | 3.5253% | 5,199 |
| Noninterest income to average assets | 0.7125% | 2,751 |
| Noninterest expense to average assets | 2.5166% | 5,653 |
| Loan and lease loss provision to assets | 1.1685% | 1,231 |
| Net operating income to assets | 0.3847% | 4,816 |
| Return on assets (ROA) | 0.3847% | 5,003 |
| Pretax return on assets | 0.4023% | 5,211 |
| Return on Equity (ROE) | 4.5950% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.5950% | 3,267 |
| Net charge-offs to loans | 0.3467% | 3,922 |
| Credit loss provision to net charge-offs | 445.8716% | 676 |
| Earnings coverage of net charge-offs (x) | 5.9939% | 2,622 |
| Efficiency ratio | 61.5686% | 5,689 |
| Assets per employee ($millions) | 4.2967% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9393% | 2,381 |
| Loan loss allowance to noncurrent loans | 62.5125% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 2.3332% | 3,046 |
| Noncurrent loans to loans | 3.1022% | 2,572 |
| Net loans and leases to total assets | 73.3474% | 1,939 |
| Net loans and leases to deposits | 103.7864% | 439 |
| Net loans and leases to core deposits | 104.7428% | 1,421 |
| Total domestic deposits to total assets | 70.6715% | 7,239 |
| Equity capital to assets | 8.2674% | 6,543 |
| Core capital (leverage) ratio | 8.7594% | 5,088 |
| Tier 1 risk-based capital ratio | 12.9261% | 4,632 |
| Total risk-based capital ratio | 14.1889% | 4,604 |
| Memoranda: | ||
| Average total assets | $166,359,000 | 3,648 |
| Average earning assets | $159,263,250 | 3,510 |
| Average equity | $13,927,750 | 4,219 |
| Average total loans | $125,750,000 | 3,252 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4357% | 2,820 |
| Cost of funding earning assets | 1.9381% | 1,083 |
| Net interest margin | 3.4975% | 5,255 |
| Noninterest income to average assets | 0.6747% | 2,852 |
| Noninterest expense to average assets | 2.5370% | 5,584 |
| Loan and lease loss provision to assets | 1.2156% | 1,151 |
| Net operating income to assets | 0.2565% | 5,350 |
| Return on assets (ROA) | 0.2565% | 5,491 |
| Pretax return on assets | 0.2674% | 5,607 |
| Return on Equity (ROE) | 3.0505% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.0505% | 4,163 |
| Net charge-offs to loans | 0.5224% | 2,968 |
| Credit loss provision to net charge-offs | 306.7485% | 1,198 |
| Earnings coverage of net charge-offs (x) | 3.7423% | 3,196 |
| Efficiency ratio | 63.1086% | 5,500 |
| Assets per employee ($millions) | 4.2913% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 3,418 |
| Loan loss allowance to noncurrent loans | 77.8585% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 1.5887% | 4,074 |
| Noncurrent loans to loans | 2.0626% | 3,641 |
| Net loans and leases to total assets | 72.6734% | 2,233 |
| Net loans and leases to deposits | 102.6454% | 559 |
| Net loans and leases to core deposits | 103.5804% | 1,680 |
| Total domestic deposits to total assets | 70.8004% | 7,277 |
| Equity capital to assets | 8.1210% | 6,629 |
| Core capital (leverage) ratio | 8.2516% | 5,851 |
| Tier 1 risk-based capital ratio | 12.7981% | 4,608 |
| Total risk-based capital ratio | 14.0559% | 4,566 |
| Memoranda: | ||
| Average total assets | $164,523,000 | 3,698 |
| Average earning assets | $157,367,330 | 3,565 |
| Average equity | $13,834,000 | 4,237 |
| Average total loans | $124,815,670 | 3,309 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5054% | 2,556 |
| Cost of funding earning assets | 1.9738% | 1,177 |
| Net interest margin | 3.5316% | 5,029 |
| Noninterest income to average assets | 0.6387% | 3,011 |
| Noninterest expense to average assets | 2.5895% | 5,395 |
| Loan and lease loss provision to assets | 1.1556% | 1,057 |
| Net operating income to assets | 0.2585% | 5,460 |
| Return on assets (ROA) | 0.2585% | 5,587 |
| Pretax return on assets | 0.2684% | 5,692 |
| Return on Equity (ROE) | 3.0186% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.0186% | 4,324 |
| Net charge-offs to loans | 0.0129% | 5,402 |
| Credit loss provision to net charge-offs | 11,625.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 143.2500% | 233 |
| Efficiency ratio | 64.5201% | 5,385 |
| Assets per employee ($millions) | 3.9590% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 4,076 |
| Loan loss allowance to noncurrent loans | 53.8871% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.2394% | 3,225 |
| Noncurrent loans to loans | 2.7262% | 2,929 |
| Net loans and leases to total assets | 75.3265% | 1,677 |
| Net loans and leases to deposits | 108.5841% | 326 |
| Net loans and leases to core deposits | 109.6405% | 1,304 |
| Total domestic deposits to total assets | 69.3716% | 7,450 |
| Equity capital to assets | 8.5221% | 5,976 |
| Core capital (leverage) ratio | 8.5725% | 5,252 |
| Tier 1 risk-based capital ratio | 13.0184% | 4,319 |
| Total risk-based capital ratio | 14.2739% | 4,288 |
| Memoranda: | ||
| Average total assets | $160,958,000 | 3,822 |
| Average earning assets | $153,813,000 | 3,695 |
| Average equity | $13,781,000 | 4,292 |
| Average total loans | $123,832,500 | 3,385 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9986% | 1,873 |
| Cost of funding earning assets | 2.3470% | 1,468 |
| Net interest margin | 3.6515% | 4,347 |
| Noninterest income to average assets | 0.6546% | 3,257 |
| Noninterest expense to average assets | 2.6295% | 5,675 |
| Loan and lease loss provision to assets | 0.8204% | 2,672 |
| Net operating income to assets | 0.5794% | 3,409 |
| Return on assets (ROA) | 0.5794% | 3,485 |
| Pretax return on assets | 0.5981% | 3,905 |
| Return on Equity (ROE) | 6.8554% | 2,843 |
| Retained earnings to average equity (ytd only) | 2.5864% | 3,335 |
| Net charge-offs to loans | 0.9758% | 2,456 |
| Credit loss provision to net charge-offs | 110.5439% | 4,977 |
| Earnings coverage of net charge-offs (x) | 1.9113% | 4,288 |
| Efficiency ratio | 64.9586% | 5,591 |
| Assets per employee ($millions) | 3.6272% | 4,707 |
| Cash dividends to net income (ytd only)* | 62.2722% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,889 |
| Loan loss allowance to noncurrent loans | 70.1700% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 4,363 |
| Noncurrent loans to loans | 1.5707% | 4,295 |
| Net loans and leases to total assets | 76.5746% | 1,683 |
| Net loans and leases to deposits | 111.1778% | 344 |
| Net loans and leases to core deposits | 115.9576% | 2,324 |
| Total domestic deposits to total assets | 68.8758% | 7,498 |
| Equity capital to assets | 8.6023% | 5,723 |
| Core capital (leverage) ratio | 8.6397% | 5,031 |
| Tier 1 risk-based capital ratio | 12.9476% | 4,173 |
| Total risk-based capital ratio | 14.1983% | 4,128 |
| Memoranda: | ||
| Average total assets | $161,016,800 | 3,751 |
| Average earning assets | $149,635,600 | 3,719 |
| Average equity | $13,609,800 | 4,356 |
| Average total loans | $122,461,400 | 3,427 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0556% | 1,813 |
| Cost of funding earning assets | 2.4187% | 1,567 |
| Net interest margin | 3.6370% | 4,338 |
| Noninterest income to average assets | 0.6387% | 3,434 |
| Noninterest expense to average assets | 2.6414% | 5,555 |
| Loan and lease loss provision to assets | 0.5337% | 3,251 |
| Net operating income to assets | 0.7816% | 2,891 |
| Return on assets (ROA) | 0.7816% | 2,948 |
| Pretax return on assets | 0.8204% | 3,475 |
| Return on Equity (ROE) | 9.2879% | 2,166 |
| Retained earnings to average equity (ytd only) | 3.5836% | 3,283 |
| Net charge-offs to loans | 0.0360% | 6,398 |
| Credit loss provision to net charge-offs | 1,957.5758% | 199 |
| Earnings coverage of net charge-offs (x) | 49.6655% | 644 |
| Efficiency ratio | 66.1084% | 5,339 |
| Assets per employee ($millions) | 3.8300% | 4,123 |
| Cash dividends to net income (ytd only)* | 61.4168% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 3,395 |
| Loan loss allowance to noncurrent loans | 63.9571% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.8027% | 3,655 |
| Noncurrent loans to loans | 2.3567% | 3,199 |
| Net loans and leases to total assets | 71.6943% | 3,112 |
| Net loans and leases to deposits | 101.6866% | 951 |
| Net loans and leases to core deposits | 105.8135% | 3,719 |
| Total domestic deposits to total assets | 70.5052% | 7,379 |
| Equity capital to assets | 8.1551% | 6,690 |
| Core capital (leverage) ratio | 8.1583% | 6,088 |
| Tier 1 risk-based capital ratio | 12.9622% | 4,217 |
| Total risk-based capital ratio | 14.2186% | 4,145 |
| Memoranda: | ||
| Average total assets | $161,372,000 | 3,775 |
| Average earning assets | $148,948,250 | 3,745 |
| Average equity | $13,580,000 | 4,397 |
| Average total loans | $122,183,750 | 3,467 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3216% | 1,154 |
| Cost of funding earning assets | 2.5073% | 1,586 |
| Net interest margin | 3.8142% | 3,490 |
| Noninterest income to average assets | 0.6504% | 3,342 |
| Noninterest expense to average assets | 2.6455% | 5,580 |
| Loan and lease loss provision to assets | 0.3560% | 3,790 |
| Net operating income to assets | 1.0642% | 1,897 |
| Return on assets (ROA) | 1.0642% | 1,972 |
| Pretax return on assets | 1.1183% | 2,567 |
| Return on Equity (ROE) | 12.5095% | 1,284 |
| Retained earnings to average equity (ytd only) | 3.9185% | 3,102 |
| Net charge-offs to loans | 0.0082% | 6,464 |
| Credit loss provision to net charge-offs | 5,660.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 234.4000% | 175 |
| Efficiency ratio | 64.2137% | 5,870 |
| Assets per employee ($millions) | 3.8016% | 4,093 |
| Cash dividends to net income (ytd only)* | 68.6761% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 4,741 |
| Loan loss allowance to noncurrent loans | 53.1601% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.7875% | 3,495 |
| Noncurrent loans to loans | 2.3150% | 3,120 |
| Net loans and leases to total assets | 72.6422% | 3,055 |
| Net loans and leases to deposits | 103.7926% | 929 |
| Net loans and leases to core deposits | 108.6298% | 3,538 |
| Total domestic deposits to total assets | 69.9878% | 7,475 |
| Equity capital to assets | 8.1526% | 6,556 |
| Core capital (leverage) ratio | 8.2373% | 5,908 |
| Tier 1 risk-based capital ratio | 12.8318% | 4,261 |
| Total risk-based capital ratio | 14.0829% | 4,179 |
| Memoranda: | ||
| Average total assets | $158,989,000 | 3,849 |
| Average earning assets | $144,616,330 | 3,847 |
| Average equity | $13,525,670 | 4,416 |
| Average total loans | $122,022,000 | 3,490 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3331% | 1,209 |
| Cost of funding earning assets | 2.4354% | 2,156 |
| Net interest margin | 3.8977% | 3,050 |
| Noninterest income to average assets | 0.6690% | 3,081 |
| Noninterest expense to average assets | 2.5186% | 5,769 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7256% | 615 |
| Return on assets (ROA) | 1.7256% | 675 |
| Pretax return on assets | 1.8134% | 952 |
| Return on Equity (ROE) | 19.8367% | 436 |
| Retained earnings to average equity (ytd only) | 4.8107% | 3,228 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1395% | 6,680 |
| Assets per employee ($millions) | 3.5120% | 4,787 |
| Cash dividends to net income (ytd only)* | 75.7485% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,045 |
| Loan loss allowance to noncurrent loans | 43.3989% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 1.8430% | 3,154 |
| Noncurrent loans to loans | 2.3464% | 2,806 |
| Net loans and leases to total assets | 77.7482% | 1,883 |
| Net loans and leases to deposits | 112.4536% | 502 |
| Net loans and leases to core deposits | 119.6121% | 2,453 |
| Total domestic deposits to total assets | 69.1381% | 7,500 |
| Equity capital to assets | 8.7622% | 5,676 |
| Core capital (leverage) ratio | 8.7625% | 5,039 |
| Tier 1 risk-based capital ratio | 12.8785% | 4,272 |
| Total risk-based capital ratio | 14.0542% | 4,237 |
| Memoranda: | ||
| Average total assets | $154,847,500 | 3,932 |
| Average earning assets | $145,520,500 | 3,837 |
| Average equity | $13,470,000 | 4,460 |
| Average total loans | $121,521,000 | 3,523 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7035% | 2,013 |
| Cost of funding earning assets | 2.9784% | 1,946 |
| Net interest margin | 3.7252% | 4,359 |
| Noninterest income to average assets | 0.7603% | 2,718 |
| Noninterest expense to average assets | 2.6495% | 5,446 |
| Loan and lease loss provision to assets | 0.1656% | 5,268 |
| Net operating income to assets | 1.3598% | 1,325 |
| Return on assets (ROA) | 1.3585% | 1,286 |
| Pretax return on assets | 1.4205% | 1,906 |
| Return on Equity (ROE) | 15.0816% | 911 |
| Retained earnings to average equity (ytd only) | 2.5262% | 3,628 |
| Net charge-offs to loans | 0.1119% | 5,154 |
| Credit loss provision to net charge-offs | 185.4962% | 2,671 |
| Earnings coverage of net charge-offs (x) | 17.7863% | 1,746 |
| Efficiency ratio | 62.5342% | 5,851 |
| Assets per employee ($millions) | 3.4482% | 4,799 |
| Cash dividends to net income (ytd only)* | 83.2497% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 5,879 |
| Loan loss allowance to noncurrent loans | 43.3989% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 1.8354% | 2,689 |
| Noncurrent loans to loans | 2.3409% | 2,357 |
| Net loans and leases to total assets | 77.6114% | 2,233 |
| Net loans and leases to deposits | 113.9446% | 614 |
| Net loans and leases to core deposits | 120.2032% | 2,669 |
| Total domestic deposits to total assets | 68.1133% | 7,459 |
| Equity capital to assets | 8.6358% | 5,886 |
| Core capital (leverage) ratio | 8.6331% | 5,317 |
| Tier 1 risk-based capital ratio | 12.7694% | 4,245 |
| Total risk-based capital ratio | 13.9493% | 4,207 |
| Memoranda: | ||
| Average total assets | $146,780,800 | 3,957 |
| Average earning assets | $136,987,600 | 3,912 |
| Average equity | $13,221,400 | 4,516 |
| Average total loans | $117,046,400 | 3,524 |