Home > Leighton State Bank > Performance and Condition Ratios
Leighton State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0348% | 13 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 57,838.0000% | 23 |
| Cost of funding earning assets | 195.0000% | 19 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.0900% | 1,921 |
| Pretax return on assets | 1.1423% | 2,284 |
| Return on Equity (ROE) | 10.5700% | 2,343 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0004% | 2,890 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 6.2694% | 2,481 |
| Efficiency ratio | 4.0931% | 4,571 |
| Assets per employee ($millions) | 0.3411% | 4,532 |
| Cash dividends to net income (ytd only)* | 101.0000% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 4.0000% | 37 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 2,683.0000% | 28 |
| Total domestic deposits to total assets | 8.0000% | 4,515 |
| Equity capital to assets | 0.0000% | 4,583 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $-487,000 | 4,609 |
| Average earning assets | $8,537 | 4,555 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6003% | 2,677 |
| Cost of funding earning assets | 1.4397% | 1,766 |
| Net interest margin | 3.1606% | 3,003 |
| Noninterest income to average assets | 1.1400% | 533 |
| Noninterest expense to average assets | 2.8410% | 1,344 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1752% | 1,866 |
| Return on assets (ROA) | 1.1752% | 1,849 |
| Pretax return on assets | 1.2362% | 2,210 |
| Return on Equity (ROE) | 11.3500% | 2,291 |
| Retained earnings to average equity (ytd only) | 6.1699% | 2,580 |
| Net charge-offs to loans | -0.0085% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.8457% | 1,925 |
| Assets per employee ($millions) | 5.5719% | 3,124 |
| Cash dividends to net income (ytd only)* | 45.6288% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 938 |
| Loan loss allowance to noncurrent loans | 160.9651% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 732 |
| Noncurrent loans to loans | 0.9766% | 838 |
| Net loans and leases to total assets | 76.6700% | 1,036 |
| Net loans and leases to deposits | 90.3729% | 1,206 |
| Net loans and leases to core deposits | 102.8063% | 1,173 |
| Total domestic deposits to total assets | 84.8400% | 2,545 |
| Equity capital to assets | 10.2943% | 1,648 |
| Core capital (leverage) ratio | 10.7750% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2771% | 1,484 |
| Memoranda: | ||
| Average total assets | $242,681,750 | 2,727 |
| Average earning assets | $229,109,750 | 2,695 |
| Average equity | $25,132,250 | 2,496 |
| Average total loans | $187,157,750 | 2,386 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 2,821 |
| Cost of funding earning assets | 1.3074% | 1,688 |
| Net interest margin | 3.1186% | 3,178 |
| Noninterest income to average assets | 1.1400% | 470 |
| Noninterest expense to average assets | 2.8538% | 1,321 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1172% | 2,071 |
| Return on assets (ROA) | 1.1172% | 2,065 |
| Pretax return on assets | 1.1767% | 2,426 |
| Return on Equity (ROE) | 10.7700% | 2,485 |
| Retained earnings to average equity (ytd only) | 6.0485% | 2,601 |
| Net charge-offs to loans | -0.0194% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.9433% | 1,764 |
| Assets per employee ($millions) | 6.0352% | 2,678 |
| Cash dividends to net income (ytd only)* | 43.8194% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 964 |
| Loan loss allowance to noncurrent loans | 804.8649% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 2,502 |
| Noncurrent loans to loans | 0.1967% | 2,483 |
| Net loans and leases to total assets | 74.8100% | 1,190 |
| Net loans and leases to deposits | 87.1966% | 1,409 |
| Net loans and leases to core deposits | 99.0990% | 1,284 |
| Total domestic deposits to total assets | 85.8000% | 2,296 |
| Equity capital to assets | 10.1999% | 1,744 |
| Core capital (leverage) ratio | 10.7701% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2514% | 1,499 |
| Memoranda: | ||
| Average total assets | $241,854,000 | 2,735 |
| Average earning assets | $228,246,667 | 2,707 |
| Average equity | $25,097,000 | 2,519 |
| Average total loans | $185,885,667 | 2,384 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,943 |
| Cost of funding earning assets | 1.1458% | 1,612 |
| Net interest margin | 3.0982% | 3,349 |
| Noninterest income to average assets | 1.1400% | 475 |
| Noninterest expense to average assets | 2.8545% | 1,327 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.0926% | 2,253 |
| Return on assets (ROA) | 1.0926% | 2,217 |
| Pretax return on assets | 1.1495% | 2,575 |
| Return on Equity (ROE) | 10.4400% | 2,653 |
| Retained earnings to average equity (ytd only) | 10.4371% | 1,593 |
| Net charge-offs to loans | -0.0108% | 3,867 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.4086% | 1,710 |
| Assets per employee ($millions) | 5.5308% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 1,049 |
| Loan loss allowance to noncurrent loans | 817.5487% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 2,458 |
| Noncurrent loans to loans | 0.1933% | 2,506 |
| Net loans and leases to total assets | 76.8700% | 886 |
| Net loans and leases to deposits | 88.5888% | 1,160 |
| Net loans and leases to core deposits | 103.2481% | 955 |
| Total domestic deposits to total assets | 86.7700% | 2,351 |
| Equity capital to assets | 10.7794% | 1,422 |
| Core capital (leverage) ratio | 11.0717% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4381% | 1,511 |
| Memoranda: | ||
| Average total assets | $239,059,000 | 2,799 |
| Average earning assets | $225,161,500 | 2,772 |
| Average equity | $25,026,000 | 2,548 |
| Average total loans | $184,782,000 | 2,411 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8339% | 2,186 |
| Cost of funding earning assets | 0.5065% | 1,341 |
| Net interest margin | 3.3274% | 2,488 |
| Noninterest income to average assets | 1.1600% | 505 |
| Noninterest expense to average assets | 2.8036% | 1,305 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.3543% | 1,268 |
| Return on assets (ROA) | 1.3543% | 1,226 |
| Pretax return on assets | 1.4227% | 1,703 |
| Return on Equity (ROE) | 12.3500% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.7180% | 2,360 |
| Net charge-offs to loans | -0.0220% | 4,095 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.5119% | 2,291 |
| Assets per employee ($millions) | 5.8609% | 2,891 |
| Cash dividends to net income (ytd only)* | 45.6244% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 1,017 |
| Loan loss allowance to noncurrent loans | 788.0435% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 2,468 |
| Noncurrent loans to loans | 0.2002% | 2,488 |
| Net loans and leases to total assets | 75.2900% | 1,091 |
| Net loans and leases to deposits | 86.8117% | 1,260 |
| Net loans and leases to core deposits | 99.1467% | 1,046 |
| Total domestic deposits to total assets | 86.7300% | 2,482 |
| Equity capital to assets | 10.1608% | 1,631 |
| Core capital (leverage) ratio | 10.7927% | 1,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3653% | 1,517 |
| Memoranda: | ||
| Average total assets | $225,280,000 | 2,872 |
| Average earning assets | $211,455,400 | 2,853 |
| Average equity | $24,695,000 | 2,598 |
| Average total loans | $167,945,400 | 2,477 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7266% | 1,960 |
| Cost of funding earning assets | 0.3675% | 1,544 |
| Net interest margin | 3.3592% | 2,105 |
| Noninterest income to average assets | 1.2100% | 502 |
| Noninterest expense to average assets | 2.8137% | 1,225 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.4198% | 1,032 |
| Return on assets (ROA) | 1.4198% | 1,008 |
| Pretax return on assets | 1.4938% | 1,428 |
| Return on Equity (ROE) | 12.7000% | 1,804 |
| Retained earnings to average equity (ytd only) | 7.2736% | 2,273 |
| Net charge-offs to loans | -0.0138% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.5095% | 2,482 |
| Assets per employee ($millions) | 6.1045% | 2,670 |
| Cash dividends to net income (ytd only)* | 42.7300% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6441% | 978 |
| Loan loss allowance to noncurrent loans | 721.7722% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,411 |
| Noncurrent loans to loans | 0.2278% | 2,476 |
| Net loans and leases to total assets | 75.5100% | 959 |
| Net loans and leases to deposits | 87.7160% | 1,054 |
| Net loans and leases to core deposits | 97.7493% | 910 |
| Total domestic deposits to total assets | 86.0900% | 3,048 |
| Equity capital to assets | 10.3853% | 1,425 |
| Core capital (leverage) ratio | 11.2094% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0081% | 1,426 |
| Memoranda: | ||
| Average total assets | $221,526,250 | 2,910 |
| Average earning assets | $207,903,250 | 2,895 |
| Average equity | $24,764,750 | 2,634 |
| Average total loans | $163,977,000 | 2,508 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 1,722 |
| Cost of funding earning assets | 0.3147% | 1,578 |
| Net interest margin | 3.3250% | 1,837 |
| Noninterest income to average assets | 1.2050% | 472 |
| Noninterest expense to average assets | 2.8517% | 1,073 |
| Loan and lease loss provision to assets | 0.0545% | 1,599 |
| Net operating income to assets | 1.3495% | 1,022 |
| Return on assets (ROA) | 1.3495% | 1,004 |
| Pretax return on assets | 1.4195% | 1,385 |
| Return on Equity (ROE) | 11.7854% | 1,729 |
| Retained earnings to average equity (ytd only) | 6.4522% | 2,187 |
| Net charge-offs to loans | -0.0062% | 3,415 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9244% | 2,521 |
| Assets per employee ($millions) | 5.9401% | 2,796 |
| Cash dividends to net income (ytd only)* | 45.2525% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7356% | 900 |
| Loan loss allowance to noncurrent loans | 378.9474% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 1,650 |
| Noncurrent loans to loans | 0.4580% | 1,742 |
| Net loans and leases to total assets | 72.3339% | 1,068 |
| Net loans and leases to deposits | 84.4280% | 1,090 |
| Net loans and leases to core deposits | 86.5026% | 1,301 |
| Total domestic deposits to total assets | 85.6754% | 3,331 |
| Equity capital to assets | 10.9836% | 1,218 |
| Core capital (leverage) ratio | 11.1687% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2750% | 1,365 |
| Memoranda: | ||
| Average total assets | $220,079,000 | 2,944 |
| Average earning assets | $206,554,000 | 2,942 |
| Average equity | $25,200,667 | 2,670 |
| Average total loans | $160,834,000 | 2,541 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5894% | 1,532 |
| Cost of funding earning assets | 0.3156% | 1,505 |
| Net interest margin | 3.2739% | 1,634 |
| Noninterest income to average assets | 1.2532% | 448 |
| Noninterest expense to average assets | 2.8861% | 986 |
| Loan and lease loss provision to assets | 0.0545% | 1,403 |
| Net operating income to assets | 1.3150% | 971 |
| Return on assets (ROA) | 1.3150% | 956 |
| Pretax return on assets | 1.3840% | 1,286 |
| Return on Equity (ROE) | 11.2549% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.2549% | 731 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7367% | 2,671 |
| Assets per employee ($millions) | 5.7462% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 984 |
| Loan loss allowance to noncurrent loans | 630.2273% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 2,425 |
| Noncurrent loans to loans | 0.2761% | 2,486 |
| Net loans and leases to total assets | 71.7058% | 864 |
| Net loans and leases to deposits | 84.6396% | 839 |
| Net loans and leases to core deposits | 86.7561% | 1,091 |
| Total domestic deposits to total assets | 84.7190% | 3,608 |
| Equity capital to assets | 11.5248% | 1,118 |
| Core capital (leverage) ratio | 11.2546% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4120% | 1,402 |
| Memoranda: | ||
| Average total assets | $220,227,500 | 2,962 |
| Average earning assets | $206,606,000 | 2,955 |
| Average equity | $25,731,000 | 2,726 |
| Average total loans | $160,358,500 | 2,547 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 1,307 |
| Cost of funding earning assets | 0.4082% | 1,482 |
| Net interest margin | 3.6151% | 1,426 |
| Noninterest income to average assets | 1.3235% | 613 |
| Noninterest expense to average assets | 2.8143% | 1,327 |
| Loan and lease loss provision to assets | 0.0773% | 1,579 |
| Net operating income to assets | 1.7177% | 609 |
| Return on assets (ROA) | 1.7371% | 608 |
| Pretax return on assets | 1.8253% | 866 |
| Return on Equity (ROE) | 14.8943% | 977 |
| Retained earnings to average equity (ytd only) | 7.9577% | 1,564 |
| Net charge-offs to loans | 0.2518% | 362 |
| Credit loss provision to net charge-offs | 43.3673% | 2,182 |
| Earnings coverage of net charge-offs (x) | 10.5638% | 2,202 |
| Efficiency ratio | 59.9245% | 3,160 |
| Assets per employee ($millions) | 6.1694% | 2,594 |
| Cash dividends to net income (ytd only)* | 46.5725% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 1,045 |
| Loan loss allowance to noncurrent loans | 584.8614% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 2,508 |
| Noncurrent loans to loans | 0.2906% | 2,548 |
| Net loans and leases to total assets | 71.4218% | 887 |
| Net loans and leases to deposits | 85.0009% | 851 |
| Net loans and leases to core deposits | 87.5952% | 1,103 |
| Total domestic deposits to total assets | 84.0247% | 3,556 |
| Equity capital to assets | 11.8402% | 1,325 |
| Core capital (leverage) ratio | 10.9356% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8613% | 1,563 |
| Memoranda: | ||
| Average total assets | $220,020,200 | 2,903 |
| Average earning assets | $205,276,600 | 2,913 |
| Average equity | $25,660,800 | 2,803 |
| Average total loans | $155,659,200 | 2,581 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 1,206 |
| Cost of funding earning assets | 0.4280% | 1,497 |
| Net interest margin | 3.7161% | 1,303 |
| Noninterest income to average assets | 1.2592% | 736 |
| Noninterest expense to average assets | 2.7237% | 1,525 |
| Loan and lease loss provision to assets | 0.0852% | 1,401 |
| Net operating income to assets | 1.8236% | 635 |
| Return on assets (ROA) | 1.8496% | 637 |
| Pretax return on assets | 1.9425% | 880 |
| Return on Equity (ROE) | 15.9201% | 967 |
| Retained earnings to average equity (ytd only) | 9.1233% | 1,652 |
| Net charge-offs to loans | 0.0043% | 2,188 |
| Credit loss provision to net charge-offs | 2,800.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 658.6000% | 243 |
| Efficiency ratio | 57.6315% | 3,331 |
| Assets per employee ($millions) | 5.4199% | 3,286 |
| Cash dividends to net income (ytd only)* | 42.6929% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9961% | 636 |
| Loan loss allowance to noncurrent loans | 426.9972% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 1,885 |
| Noncurrent loans to loans | 0.4675% | 2,157 |
| Net loans and leases to total assets | 72.0036% | 875 |
| Net loans and leases to deposits | 86.5396% | 798 |
| Net loans and leases to core deposits | 89.0839% | 1,091 |
| Total domestic deposits to total assets | 83.2030% | 3,656 |
| Equity capital to assets | 12.4323% | 1,208 |
| Core capital (leverage) ratio | 11.1769% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5126% | 1,478 |
| Memoranda: | ||
| Average total assets | $219,500,500 | 2,939 |
| Average earning assets | $204,655,000 | 2,944 |
| Average equity | $25,501,750 | 2,847 |
| Average total loans | $154,231,500 | 2,634 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9569% | 1,662 |
| Cost of funding earning assets | 0.4518% | 1,505 |
| Net interest margin | 3.5051% | 1,846 |
| Noninterest income to average assets | 1.2349% | 764 |
| Noninterest expense to average assets | 2.6912% | 1,611 |
| Loan and lease loss provision to assets | 0.0540% | 1,957 |
| Net operating income to assets | 1.6725% | 914 |
| Return on assets (ROA) | 1.6759% | 959 |
| Pretax return on assets | 1.7614% | 1,326 |
| Return on Equity (ROE) | 14.7528% | 1,221 |
| Retained earnings to average equity (ytd only) | 8.4143% | 1,928 |
| Net charge-offs to loans | -0.0325% | 4,190 |
| Credit loss provision to net charge-offs | -240.0000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7242% | 3,051 |
| Assets per employee ($millions) | 5.6121% | 3,004 |
| Cash dividends to net income (ytd only)* | 42.9646% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 639 |
| Loan loss allowance to noncurrent loans | 115.3119% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.2403% | 537 |
| Noncurrent loans to loans | 1.7127% | 614 |
| Net loans and leases to total assets | 70.9882% | 1,084 |
| Net loans and leases to deposits | 85.0623% | 980 |
| Net loans and leases to core deposits | 87.0056% | 1,346 |
| Total domestic deposits to total assets | 83.4543% | 3,592 |
| Equity capital to assets | 11.9808% | 1,371 |
| Core capital (leverage) ratio | 10.4568% | 1,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9831% | 1,638 |
| Memoranda: | ||
| Average total assets | $222,208,333 | 2,921 |
| Average earning assets | $207,182,667 | 2,920 |
| Average equity | $25,242,667 | 2,859 |
| Average total loans | $153,875,667 | 2,648 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6797% | 2,411 |
| Cost of funding earning assets | 0.4894% | 1,459 |
| Net interest margin | 3.1904% | 2,733 |
| Noninterest income to average assets | 1.1629% | 896 |
| Noninterest expense to average assets | 2.6151% | 1,848 |
| Loan and lease loss provision to assets | 0.0529% | 2,049 |
| Net operating income to assets | 1.3940% | 1,589 |
| Return on assets (ROA) | 1.3940% | 1,664 |
| Pretax return on assets | 1.4628% | 2,098 |
| Return on Equity (ROE) | 12.5952% | 1,794 |
| Retained earnings to average equity (ytd only) | 12.5952% | 1,004 |
| Net charge-offs to loans | -0.0521% | 4,411 |
| Credit loss provision to net charge-offs | -150.0000% | 2,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2208% | 2,575 |
| Assets per employee ($millions) | 6.1810% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9432% | 677 |
| Loan loss allowance to noncurrent loans | 1,155.1724% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 3,603 |
| Noncurrent loans to loans | 0.1682% | 3,505 |
| Net loans and leases to total assets | 66.5243% | 1,729 |
| Net loans and leases to deposits | 79.1060% | 1,603 |
| Net loans and leases to core deposits | 81.8233% | 1,855 |
| Total domestic deposits to total assets | 84.0951% | 3,400 |
| Equity capital to assets | 11.0294% | 1,833 |
| Core capital (leverage) ratio | 10.1965% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5687% | 1,719 |
| Memoranda: | ||
| Average total assets | $226,683,500 | 2,889 |
| Average earning assets | $210,884,500 | 2,883 |
| Average equity | $25,089,000 | 2,867 |
| Average total loans | $153,594,500 | 2,655 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 1,524 |
| Cost of funding earning assets | 0.8325% | 1,081 |
| Net interest margin | 3.5872% | 2,180 |
| Noninterest income to average assets | 1.2640% | 710 |
| Noninterest expense to average assets | 3.0154% | 1,400 |
| Loan and lease loss provision to assets | 0.6776% | 249 |
| Net operating income to assets | 0.8564% | 2,877 |
| Return on assets (ROA) | 0.8560% | 3,015 |
| Pretax return on assets | 0.8979% | 3,371 |
| Return on Equity (ROE) | 7.0705% | 3,183 |
| Retained earnings to average equity (ytd only) | 2.7395% | 3,490 |
| Net charge-offs to loans | 0.1274% | 1,235 |
| Credit loss provision to net charge-offs | 716.1458% | 983 |
| Earnings coverage of net charge-offs (x) | 16.6563% | 2,119 |
| Efficiency ratio | 65.6756% | 2,582 |
| Assets per employee ($millions) | 6.2408% | 2,130 |
| Cash dividends to net income (ytd only)* | 61.2550% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 644 |
| Loan loss allowance to noncurrent loans | 590.6375% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 3,167 |
| Noncurrent loans to loans | 0.3302% | 3,025 |
| Net loans and leases to total assets | 66.3506% | 2,041 |
| Net loans and leases to deposits | 79.2382% | 1,952 |
| Net loans and leases to core deposits | 83.1855% | 2,108 |
| Total domestic deposits to total assets | 83.7357% | 3,192 |
| Equity capital to assets | 11.1070% | 2,169 |
| Core capital (leverage) ratio | 10.2910% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7605% | 1,950 |
| Memoranda: | ||
| Average total assets | $202,928,000 | 2,914 |
| Average earning assets | $188,224,400 | 2,925 |
| Average equity | $24,566,800 | 2,837 |
| Average total loans | $150,721,800 | 2,656 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5687% | 1,399 |
| Cost of funding earning assets | 0.9198% | 1,001 |
| Net interest margin | 3.6489% | 2,102 |
| Noninterest income to average assets | 1.2692% | 678 |
| Noninterest expense to average assets | 3.0880% | 1,253 |
| Loan and lease loss provision to assets | 0.8775% | 186 |
| Net operating income to assets | 0.6623% | 3,587 |
| Return on assets (ROA) | 0.6630% | 3,687 |
| Pretax return on assets | 0.6974% | 3,909 |
| Return on Equity (ROE) | 5.3506% | 3,773 |
| Retained earnings to average equity (ytd only) | 1.0353% | 4,246 |
| Net charge-offs to loans | 0.1002% | 1,309 |
| Credit loss provision to net charge-offs | 1,150.4425% | 754 |
| Earnings coverage of net charge-offs (x) | 20.6372% | 1,895 |
| Efficiency ratio | 66.2323% | 2,441 |
| Assets per employee ($millions) | 5.6128% | 2,617 |
| Cash dividends to net income (ytd only)* | 80.6517% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9359% | 551 |
| Loan loss allowance to noncurrent loans | 258.3986% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 2,058 |
| Noncurrent loans to loans | 0.7492% | 1,929 |
| Net loans and leases to total assets | 72.4219% | 1,605 |
| Net loans and leases to deposits | 88.0361% | 1,481 |
| Net loans and leases to core deposits | 94.3740% | 1,605 |
| Total domestic deposits to total assets | 82.2639% | 3,355 |
| Equity capital to assets | 11.7633% | 1,833 |
| Core capital (leverage) ratio | 10.4401% | 2,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1817% | 1,770 |
| Memoranda: | ||
| Average total assets | $197,492,500 | 2,945 |
| Average earning assets | $183,650,000 | 2,945 |
| Average equity | $24,470,000 | 2,833 |
| Average total loans | $150,393,500 | 2,663 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7511% | 1,278 |
| Cost of funding earning assets | 1.0012% | 985 |
| Net interest margin | 3.7498% | 1,993 |
| Noninterest income to average assets | 1.3065% | 599 |
| Noninterest expense to average assets | 3.1984% | 1,163 |
| Loan and lease loss provision to assets | 0.3864% | 1,064 |
| Net operating income to assets | 1.1469% | 1,812 |
| Return on assets (ROA) | 1.1479% | 1,935 |
| Pretax return on assets | 1.2076% | 2,342 |
| Return on Equity (ROE) | 9.0999% | 2,318 |
| Retained earnings to average equity (ytd only) | 4.3866% | 2,748 |
| Net charge-offs to loans | 0.1151% | 1,152 |
| Credit loss provision to net charge-offs | 436.0465% | 1,334 |
| Earnings coverage of net charge-offs (x) | 17.9767% | 1,792 |
| Efficiency ratio | 66.7527% | 2,409 |
| Assets per employee ($millions) | 5.2911% | 2,849 |
| Cash dividends to net income (ytd only)* | 51.7953% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3422% | 1,814 |
| Loan loss allowance to noncurrent loans | 694.6309% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 3,781 |
| Noncurrent loans to loans | 0.1932% | 3,687 |
| Net loans and leases to total assets | 75.6773% | 1,190 |
| Net loans and leases to deposits | 93.0329% | 1,048 |
| Net loans and leases to core deposits | 100.0164% | 1,252 |
| Total domestic deposits to total assets | 81.3447% | 3,533 |
| Equity capital to assets | 12.3295% | 1,465 |
| Core capital (leverage) ratio | 11.0194% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2155% | 1,725 |
| Memoranda: | ||
| Average total assets | $194,099,333 | 2,954 |
| Average earning assets | $180,380,667 | 2,952 |
| Average equity | $24,483,667 | 2,814 |
| Average total loans | $149,401,667 | 2,661 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7230% | 1,642 |
| Cost of funding earning assets | 1.0878% | 1,085 |
| Net interest margin | 3.6351% | 2,551 |
| Noninterest income to average assets | 1.2087% | 599 |
| Noninterest expense to average assets | 3.1896% | 1,449 |
| Loan and lease loss provision to assets | 0.1574% | 1,831 |
| Net operating income to assets | 1.1667% | 1,635 |
| Return on assets (ROA) | 1.1667% | 1,746 |
| Pretax return on assets | 1.2276% | 2,106 |
| Return on Equity (ROE) | 9.1408% | 2,051 |
| Retained earnings to average equity (ytd only) | 9.1408% | 931 |
| Net charge-offs to loans | -0.0027% | 3,709 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7248% | 2,397 |
| Assets per employee ($millions) | 5.1175% | 2,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,491 |
| Loan loss allowance to noncurrent loans | 73.9061% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.7294% | 554 |
| Noncurrent loans to loans | 1.6693% | 917 |
| Net loans and leases to total assets | 76.4892% | 1,219 |
| Net loans and leases to deposits | 95.5957% | 952 |
| Net loans and leases to core deposits | 104.5028% | 1,154 |
| Total domestic deposits to total assets | 80.0133% | 3,857 |
| Equity capital to assets | 12.7324% | 1,602 |
| Core capital (leverage) ratio | 11.5771% | 2,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8439% | 1,959 |
| Memoranda: | ||
| Average total assets | $190,617,500 | 2,949 |
| Average earning assets | $176,499,000 | 2,953 |
| Average equity | $24,330,500 | 2,822 |
| Average total loans | $146,988,000 | 2,663 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 2,118 |
| Cost of funding earning assets | 1.1883% | 1,052 |
| Net interest margin | 3.5875% | 3,174 |
| Noninterest income to average assets | 1.2927% | 561 |
| Noninterest expense to average assets | 3.1036% | 1,748 |
| Loan and lease loss provision to assets | 0.0644% | 2,740 |
| Net operating income to assets | 1.3749% | 1,433 |
| Return on assets (ROA) | 1.3759% | 1,504 |
| Pretax return on assets | 1.4479% | 1,983 |
| Return on Equity (ROE) | 11.0035% | 1,887 |
| Retained earnings to average equity (ytd only) | 3.5690% | 3,217 |
| Net charge-offs to loans | 0.1361% | 1,423 |
| Credit loss provision to net charge-offs | 62.1762% | 3,014 |
| Earnings coverage of net charge-offs (x) | 14.5803% | 2,279 |
| Efficiency ratio | 67.0313% | 2,615 |
| Assets per employee ($millions) | 4.9150% | 2,693 |
| Cash dividends to net income (ytd only)* | 67.5644% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,211 |
| Loan loss allowance to noncurrent loans | 400.4494% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 1,869 |
| Noncurrent loans to loans | 0.3104% | 3,330 |
| Net loans and leases to total assets | 75.8105% | 1,450 |
| Net loans and leases to deposits | 93.8248% | 1,174 |
| Net loans and leases to core deposits | 102.4529% | 1,364 |
| Total domestic deposits to total assets | 80.8000% | 3,810 |
| Equity capital to assets | 12.7970% | 1,644 |
| Core capital (leverage) ratio | 11.2505% | 2,293 |
| Tier 1 risk-based capital ratio | 14.0921% | 3,220 |
| Total risk-based capital ratio | 15.2906% | 3,156 |
| Memoranda: | ||
| Average total assets | $186,200,400 | 2,953 |
| Average earning assets | $172,430,800 | 2,958 |
| Average equity | $23,283,600 | 2,844 |
| Average total loans | $141,808,200 | 2,703 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 2,301 |
| Cost of funding earning assets | 1.1903% | 1,059 |
| Net interest margin | 3.5493% | 3,408 |
| Noninterest income to average assets | 1.2462% | 587 |
| Noninterest expense to average assets | 3.1008% | 1,713 |
| Loan and lease loss provision to assets | 0.0645% | 2,602 |
| Net operating income to assets | 1.3050% | 1,838 |
| Return on assets (ROA) | 1.3064% | 1,915 |
| Pretax return on assets | 1.3752% | 2,401 |
| Return on Equity (ROE) | 10.5088% | 2,209 |
| Retained earnings to average equity (ytd only) | 2.4384% | 4,124 |
| Net charge-offs to loans | 0.0575% | 2,005 |
| Credit loss provision to net charge-offs | 147.5410% | 1,659 |
| Earnings coverage of net charge-offs (x) | 32.9021% | 1,542 |
| Efficiency ratio | 68.0139% | 2,417 |
| Assets per employee ($millions) | 4.8298% | 2,753 |
| Cash dividends to net income (ytd only)* | 76.7964% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,934 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8802% | 1,557 |
| Noncurrent loans to loans | 1.0466% | 1,530 |
| Net loans and leases to total assets | 75.4901% | 1,566 |
| Net loans and leases to deposits | 93.9182% | 1,226 |
| Net loans and leases to core deposits | 103.4131% | 1,377 |
| Total domestic deposits to total assets | 80.3786% | 3,899 |
| Equity capital to assets | 12.4734% | 1,933 |
| Core capital (leverage) ratio | 11.1256% | 2,534 |
| Tier 1 risk-based capital ratio | 13.8386% | 3,406 |
| Total risk-based capital ratio | 15.0888% | 3,316 |
| Memoranda: | ||
| Average total assets | $186,057,750 | 2,981 |
| Average earning assets | $172,612,500 | 2,983 |
| Average equity | $23,129,250 | 2,880 |
| Average total loans | $141,416,750 | 2,734 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 2,366 |
| Cost of funding earning assets | 1.1591% | 1,111 |
| Net interest margin | 3.5377% | 3,478 |
| Noninterest income to average assets | 1.2305% | 569 |
| Noninterest expense to average assets | 3.1507% | 1,613 |
| Loan and lease loss provision to assets | 0.0648% | 2,521 |
| Net operating income to assets | 1.2360% | 2,022 |
| Return on assets (ROA) | 1.2381% | 2,067 |
| Pretax return on assets | 1.3017% | 2,554 |
| Return on Equity (ROE) | 9.9707% | 2,404 |
| Retained earnings to average equity (ytd only) | 1.6256% | 4,235 |
| Net charge-offs to loans | 0.0541% | 1,873 |
| Credit loss provision to net charge-offs | 157.8947% | 1,434 |
| Earnings coverage of net charge-offs (x) | 33.2632% | 1,387 |
| Efficiency ratio | 69.3282% | 2,327 |
| Assets per employee ($millions) | 4.6821% | 2,904 |
| Cash dividends to net income (ytd only)* | 83.6966% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 1,920 |
| Loan loss allowance to noncurrent loans | 149.7608% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 1,859 |
| Noncurrent loans to loans | 0.8826% | 1,841 |
| Net loans and leases to total assets | 74.8625% | 1,745 |
| Net loans and leases to deposits | 92.8614% | 1,392 |
| Net loans and leases to core deposits | 103.2080% | 1,451 |
| Total domestic deposits to total assets | 80.6175% | 3,913 |
| Equity capital to assets | 12.4022% | 1,910 |
| Core capital (leverage) ratio | 11.0635% | 2,535 |
| Tier 1 risk-based capital ratio | 13.7025% | 3,482 |
| Total risk-based capital ratio | 14.9522% | 3,374 |
| Memoranda: | ||
| Average total assets | $185,290,000 | 2,999 |
| Average earning assets | $172,030,670 | 3,003 |
| Average equity | $23,007,330 | 2,881 |
| Average total loans | $140,529,330 | 2,756 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 2,492 |
| Cost of funding earning assets | 1.1262% | 1,098 |
| Net interest margin | 3.4864% | 3,631 |
| Noninterest income to average assets | 1.1134% | 655 |
| Noninterest expense to average assets | 3.2101% | 1,474 |
| Loan and lease loss provision to assets | 0.0651% | 2,360 |
| Net operating income to assets | 1.0202% | 2,774 |
| Return on assets (ROA) | 1.0223% | 2,807 |
| Pretax return on assets | 1.0722% | 3,232 |
| Return on Equity (ROE) | 8.2280% | 3,156 |
| Retained earnings to average equity (ytd only) | 8.2280% | 1,586 |
| Net charge-offs to loans | 0.0086% | 2,384 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 174.3333% | 440 |
| Efficiency ratio | 73.3267% | 1,838 |
| Assets per employee ($millions) | 4.4881% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 1,950 |
| Loan loss allowance to noncurrent loans | 112.2838% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 1,542 |
| Noncurrent loans to loans | 1.1858% | 1,395 |
| Net loans and leases to total assets | 75.8311% | 1,520 |
| Net loans and leases to deposits | 95.0363% | 1,060 |
| Net loans and leases to core deposits | 103.5355% | 1,348 |
| Total domestic deposits to total assets | 79.7916% | 4,203 |
| Equity capital to assets | 12.6475% | 1,656 |
| Core capital (leverage) ratio | 11.4371% | 2,179 |
| Tier 1 risk-based capital ratio | 14.0644% | 3,308 |
| Total risk-based capital ratio | 15.3148% | 3,227 |
| Memoranda: | ||
| Average total assets | $184,294,000 | 3,043 |
| Average earning assets | $170,837,000 | 3,044 |
| Average equity | $22,897,500 | 2,890 |
| Average total loans | $139,753,000 | 2,800 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 2,536 |
| Cost of funding earning assets | 0.8759% | 1,190 |
| Net interest margin | 3.5981% | 3,390 |
| Noninterest income to average assets | 1.2992% | 553 |
| Noninterest expense to average assets | 3.1374% | 1,707 |
| Loan and lease loss provision to assets | 0.0141% | 3,861 |
| Net operating income to assets | 1.4025% | 1,429 |
| Return on assets (ROA) | 1.4030% | 1,412 |
| Pretax return on assets | 1.4753% | 1,862 |
| Return on Equity (ROE) | 11.1817% | 2,010 |
| Retained earnings to average equity (ytd only) | 2.8337% | 3,985 |
| Net charge-offs to loans | 0.0465% | 2,506 |
| Credit loss provision to net charge-offs | 40.9836% | 3,275 |
| Earnings coverage of net charge-offs (x) | 43.2459% | 1,242 |
| Efficiency ratio | 67.2685% | 2,663 |
| Assets per employee ($millions) | 4.5018% | 3,166 |
| Cash dividends to net income (ytd only)* | 74.6581% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 1,856 |
| Loan loss allowance to noncurrent loans | 348.8722% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2882% | 3,428 |
| Noncurrent loans to loans | 0.3853% | 3,157 |
| Net loans and leases to total assets | 73.8063% | 1,969 |
| Net loans and leases to deposits | 91.7132% | 1,585 |
| Net loans and leases to core deposits | 99.0655% | 1,787 |
| Total domestic deposits to total assets | 80.4751% | 4,003 |
| Equity capital to assets | 12.2021% | 1,758 |
| Core capital (leverage) ratio | 11.4893% | 2,114 |
| Tier 1 risk-based capital ratio | 13.7944% | 3,389 |
| Total risk-based capital ratio | 15.0446% | 3,317 |
| Memoranda: | ||
| Average total assets | $177,187,600 | 3,083 |
| Average earning assets | $163,834,600 | 3,098 |
| Average equity | $22,232,800 | 2,883 |
| Average total loans | $131,300,200 | 2,862 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4374% | 2,512 |
| Cost of funding earning assets | 0.8119% | 1,279 |
| Net interest margin | 3.6255% | 3,284 |
| Noninterest income to average assets | 1.3026% | 564 |
| Noninterest expense to average assets | 3.1496% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4334% | 1,381 |
| Return on assets (ROA) | 1.4334% | 1,380 |
| Pretax return on assets | 1.5079% | 1,875 |
| Return on Equity (ROE) | 11.3412% | 2,037 |
| Retained earnings to average equity (ytd only) | 3.0624% | 4,209 |
| Net charge-offs to loans | 0.0021% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 990.2360% | 86 |
| Efficiency ratio | 67.0694% | 2,703 |
| Assets per employee ($millions) | 4.1802% | 3,599 |
| Cash dividends to net income (ytd only)* | 72.9973% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,675 |
| Loan loss allowance to noncurrent loans | 568.9759% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 3,996 |
| Noncurrent loans to loans | 0.2470% | 3,807 |
| Net loans and leases to total assets | 75.4978% | 1,731 |
| Net loans and leases to deposits | 95.2549% | 1,239 |
| Net loans and leases to core deposits | 103.2610% | 1,509 |
| Total domestic deposits to total assets | 79.2587% | 4,267 |
| Equity capital to assets | 12.6407% | 1,500 |
| Core capital (leverage) ratio | 11.7395% | 1,980 |
| Tier 1 risk-based capital ratio | 14.6318% | 3,054 |
| Total risk-based capital ratio | 15.8832% | 2,977 |
| Memoranda: | ||
| Average total assets | $175,340,750 | 3,128 |
| Average earning assets | $162,252,000 | 3,140 |
| Average equity | $22,160,500 | 2,901 |
| Average total loans | $129,604,250 | 2,903 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 2,482 |
| Cost of funding earning assets | 0.7698% | 1,280 |
| Net interest margin | 3.6126% | 3,266 |
| Noninterest income to average assets | 1.1708% | 702 |
| Noninterest expense to average assets | 3.1609% | 1,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2906% | 1,808 |
| Return on assets (ROA) | 1.2906% | 1,804 |
| Pretax return on assets | 1.3568% | 2,302 |
| Return on Equity (ROE) | 10.2123% | 2,467 |
| Retained earnings to average equity (ytd only) | 2.1219% | 4,421 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3862% | 2,412 |
| Assets per employee ($millions) | 4.2362% | 3,522 |
| Cash dividends to net income (ytd only)* | 79.2219% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,537 |
| Loan loss allowance to noncurrent loans | 516.6667% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,523 |
| Noncurrent loans to loans | 0.2817% | 3,692 |
| Net loans and leases to total assets | 73.7165% | 1,994 |
| Net loans and leases to deposits | 93.0905% | 1,457 |
| Net loans and leases to core deposits | 103.2716% | 1,458 |
| Total domestic deposits to total assets | 79.1879% | 4,399 |
| Equity capital to assets | 12.6552% | 1,462 |
| Core capital (leverage) ratio | 11.4142% | 2,148 |
| Tier 1 risk-based capital ratio | 14.7713% | 2,977 |
| Total risk-based capital ratio | 16.0230% | 2,908 |
| Memoranda: | ||
| Average total assets | $175,265,000 | 3,145 |
| Average earning assets | $162,376,670 | 3,157 |
| Average equity | $22,149,670 | 2,914 |
| Average total loans | $127,992,670 | 2,936 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 2,575 |
| Cost of funding earning assets | 0.7234% | 1,325 |
| Net interest margin | 3.5633% | 3,306 |
| Noninterest income to average assets | 1.1769% | 663 |
| Noninterest expense to average assets | 3.1694% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2473% | 1,816 |
| Return on assets (ROA) | 1.2473% | 1,828 |
| Pretax return on assets | 1.3087% | 2,331 |
| Return on Equity (ROE) | 9.8765% | 2,499 |
| Retained earnings to average equity (ytd only) | 9.8765% | 1,200 |
| Net charge-offs to loans | -0.0031% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2182% | 2,451 |
| Assets per employee ($millions) | 4.3890% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 1,582 |
| Loan loss allowance to noncurrent loans | 600.6349% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 4,188 |
| Noncurrent loans to loans | 0.2447% | 3,889 |
| Net loans and leases to total assets | 72.2561% | 2,125 |
| Net loans and leases to deposits | 91.5449% | 1,498 |
| Net loans and leases to core deposits | 103.3611% | 1,429 |
| Total domestic deposits to total assets | 78.9296% | 4,590 |
| Equity capital to assets | 12.7382% | 1,366 |
| Core capital (leverage) ratio | 11.5979% | 1,936 |
| Tier 1 risk-based capital ratio | 15.1938% | 2,791 |
| Total risk-based capital ratio | 16.4458% | 2,724 |
| Memoranda: | ||
| Average total assets | $176,056,000 | 3,173 |
| Average earning assets | $163,108,000 | 3,175 |
| Average equity | $22,234,500 | 2,938 |
| Average total loans | $127,027,000 | 2,975 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 2,590 |
| Cost of funding earning assets | 0.6424% | 1,342 |
| Net interest margin | 3.5850% | 3,222 |
| Noninterest income to average assets | 1.1536% | 767 |
| Noninterest expense to average assets | 2.8851% | 2,504 |
| Loan and lease loss provision to assets | 0.0168% | 3,960 |
| Net operating income to assets | 1.4896% | 823 |
| Return on assets (ROA) | 1.4902% | 844 |
| Pretax return on assets | 1.5680% | 1,394 |
| Return on Equity (ROE) | 12.3157% | 1,125 |
| Retained earnings to average equity (ytd only) | 3.4480% | 3,218 |
| Net charge-offs to loans | 0.0153% | 3,583 |
| Credit loss provision to net charge-offs | 157.8947% | 1,691 |
| Earnings coverage of net charge-offs (x) | 148.8947% | 482 |
| Efficiency ratio | 63.9895% | 3,609 |
| Assets per employee ($millions) | 4.6461% | 2,960 |
| Cash dividends to net income (ytd only)* | 72.0030% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,379 |
| Loan loss allowance to noncurrent loans | 891.9811% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 4,533 |
| Noncurrent loans to loans | 0.1692% | 4,243 |
| Net loans and leases to total assets | 69.9048% | 2,531 |
| Net loans and leases to deposits | 88.0200% | 2,016 |
| Net loans and leases to core deposits | 100.4877% | 1,675 |
| Total domestic deposits to total assets | 79.4192% | 4,464 |
| Equity capital to assets | 12.5209% | 1,508 |
| Core capital (leverage) ratio | 11.1943% | 2,158 |
| Tier 1 risk-based capital ratio | 14.9730% | 2,866 |
| Total risk-based capital ratio | 16.2253% | 2,792 |
| Memoranda: | ||
| Average total assets | $178,571,600 | 3,134 |
| Average earning assets | $165,161,000 | 3,139 |
| Average equity | $21,606,600 | 2,986 |
| Average total loans | $124,470,000 | 2,995 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,557 |
| Cost of funding earning assets | 0.6220% | 1,393 |
| Net interest margin | 3.5928% | 3,180 |
| Noninterest income to average assets | 1.0781% | 875 |
| Noninterest expense to average assets | 2.9082% | 2,375 |
| Loan and lease loss provision to assets | 0.0223% | 3,700 |
| Net operating income to assets | 1.3990% | 1,092 |
| Return on assets (ROA) | 1.3997% | 1,115 |
| Pretax return on assets | 1.4727% | 1,870 |
| Return on Equity (ROE) | 11.6685% | 1,436 |
| Retained earnings to average equity (ytd only) | 1.2413% | 4,908 |
| Net charge-offs to loans | 0.0032% | 3,623 |
| Credit loss provision to net charge-offs | 1,000.0000% | 354 |
| Earnings coverage of net charge-offs (x) | 668.9825% | 153 |
| Efficiency ratio | 65.4828% | 3,289 |
| Assets per employee ($millions) | 4.3443% | 3,400 |
| Cash dividends to net income (ytd only)* | 89.3617% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,499 |
| Loan loss allowance to noncurrent loans | 847.5556% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 4,614 |
| Noncurrent loans to loans | 0.1780% | 4,357 |
| Net loans and leases to total assets | 69.8765% | 2,577 |
| Net loans and leases to deposits | 89.7321% | 1,840 |
| Net loans and leases to core deposits | 103.4588% | 1,438 |
| Total domestic deposits to total assets | 77.8724% | 4,753 |
| Equity capital to assets | 12.2582% | 1,801 |
| Core capital (leverage) ratio | 10.6895% | 2,780 |
| Tier 1 risk-based capital ratio | 14.5967% | 3,133 |
| Total risk-based capital ratio | 15.8487% | 3,047 |
| Memoranda: | ||
| Average total assets | $179,076,250 | 3,152 |
| Average earning assets | $165,699,000 | 3,156 |
| Average equity | $21,481,750 | 3,023 |
| Average total loans | $124,260,000 | 3,026 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1634% | 2,615 |
| Cost of funding earning assets | 0.5979% | 1,466 |
| Net interest margin | 3.5655% | 3,163 |
| Noninterest income to average assets | 1.0658% | 886 |
| Noninterest expense to average assets | 2.9098% | 2,396 |
| Loan and lease loss provision to assets | 0.0334% | 3,323 |
| Net operating income to assets | 1.3501% | 1,177 |
| Return on assets (ROA) | 1.3512% | 1,203 |
| Pretax return on assets | 1.4214% | 1,932 |
| Return on Equity (ROE) | 11.3460% | 1,515 |
| Retained earnings to average equity (ytd only) | -2.1344% | 5,356 |
| Net charge-offs to loans | -0.0049% | 4,331 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0961% | 3,333 |
| Assets per employee ($millions) | 4.5134% | 3,083 |
| Cash dividends to net income (ytd only)* | 118.8119% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,513 |
| Loan loss allowance to noncurrent loans | 893.9252% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,722 |
| Noncurrent loans to loans | 0.1701% | 4,440 |
| Net loans and leases to total assets | 68.6212% | 2,720 |
| Net loans and leases to deposits | 86.9199% | 2,114 |
| Net loans and leases to core deposits | 98.1897% | 1,788 |
| Total domestic deposits to total assets | 78.9477% | 4,629 |
| Equity capital to assets | 11.8968% | 2,005 |
| Core capital (leverage) ratio | 10.5363% | 2,873 |
| Tier 1 risk-based capital ratio | 14.2045% | 3,308 |
| Total risk-based capital ratio | 15.4572% | 3,226 |
| Memoranda: | ||
| Average total assets | $179,396,000 | 3,160 |
| Average earning assets | $165,922,330 | 3,169 |
| Average equity | $21,364,330 | 3,038 |
| Average total loans | $123,557,000 | 3,044 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 2,492 |
| Cost of funding earning assets | 0.5898% | 1,444 |
| Net interest margin | 3.5556% | 3,058 |
| Noninterest income to average assets | 1.1274% | 787 |
| Noninterest expense to average assets | 3.0980% | 1,869 |
| Loan and lease loss provision to assets | 0.0671% | 2,466 |
| Net operating income to assets | 1.1922% | 1,521 |
| Return on assets (ROA) | 1.1922% | 1,563 |
| Pretax return on assets | 1.2526% | 2,407 |
| Return on Equity (ROE) | 10.0059% | 1,956 |
| Retained earnings to average equity (ytd only) | -6.5141% | 5,464 |
| Net charge-offs to loans | -0.0033% | 4,076 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5696% | 2,961 |
| Assets per employee ($millions) | 4.6267% | 2,965 |
| Cash dividends to net income (ytd only)* | 165.1032% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 1,396 |
| Loan loss allowance to noncurrent loans | 700.0000% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,650 |
| Noncurrent loans to loans | 0.2279% | 4,297 |
| Net loans and leases to total assets | 65.3331% | 3,068 |
| Net loans and leases to deposits | 79.4593% | 2,819 |
| Net loans and leases to core deposits | 89.2923% | 2,420 |
| Total domestic deposits to total assets | 82.2221% | 4,099 |
| Equity capital to assets | 11.7500% | 1,998 |
| Core capital (leverage) ratio | 10.2977% | 3,112 |
| Tier 1 risk-based capital ratio | 14.6105% | 3,153 |
| Total risk-based capital ratio | 15.8633% | 3,082 |
| Memoranda: | ||
| Average total assets | $178,826,000 | 3,200 |
| Average earning assets | $165,487,500 | 3,201 |
| Average equity | $21,307,500 | 3,055 |
| Average total loans | $122,436,000 | 3,081 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4522% | 1,680 |
| Cost of funding earning assets | 0.6295% | 1,156 |
| Net interest margin | 3.8227% | 2,237 |
| Noninterest income to average assets | 1.5032% | 525 |
| Noninterest expense to average assets | 3.0479% | 2,187 |
| Loan and lease loss provision to assets | 0.1753% | 1,373 |
| Net operating income to assets | 1.7095% | 533 |
| Return on assets (ROA) | 1.7101% | 558 |
| Pretax return on assets | 1.7978% | 805 |
| Return on Equity (ROE) | 13.9347% | 789 |
| Retained earnings to average equity (ytd only) | 8.4484% | 717 |
| Net charge-offs to loans | 0.0160% | 3,764 |
| Credit loss provision to net charge-offs | 1,500.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 168.7500% | 385 |
| Efficiency ratio | 60.1863% | 4,551 |
| Assets per employee ($millions) | 4.5438% | 3,052 |
| Cash dividends to net income (ytd only)* | 39.3712% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,652 |
| Loan loss allowance to noncurrent loans | 3,836.7347% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 5,267 |
| Noncurrent loans to loans | 0.0392% | 5,102 |
| Net loans and leases to total assets | 69.5179% | 2,550 |
| Net loans and leases to deposits | 85.0380% | 2,304 |
| Net loans and leases to core deposits | 91.0571% | 2,399 |
| Total domestic deposits to total assets | 81.7492% | 4,143 |
| Equity capital to assets | 12.0835% | 1,750 |
| Core capital (leverage) ratio | 10.7734% | 2,558 |
| Tier 1 risk-based capital ratio | 14.2555% | 3,312 |
| Total risk-based capital ratio | 15.5077% | 3,238 |
| Memoranda: | ||
| Average total assets | $171,102,000 | 3,272 |
| Average earning assets | $157,429,400 | 3,274 |
| Average equity | $20,998,000 | 3,067 |
| Average total loans | $124,780,800 | 2,996 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 1,600 |
| Cost of funding earning assets | 0.6345% | 1,116 |
| Net interest margin | 3.8466% | 2,167 |
| Noninterest income to average assets | 1.2840% | 706 |
| Noninterest expense to average assets | 3.0609% | 2,121 |
| Loan and lease loss provision to assets | 0.1769% | 1,267 |
| Net operating income to assets | 1.5042% | 872 |
| Return on assets (ROA) | 1.5049% | 922 |
| Pretax return on assets | 1.5835% | 1,426 |
| Return on Equity (ROE) | 12.2136% | 1,260 |
| Retained earnings to average equity (ytd only) | 6.7066% | 1,781 |
| Net charge-offs to loans | 0.0139% | 3,465 |
| Credit loss provision to net charge-offs | 1,730.7692% | 269 |
| Earnings coverage of net charge-offs (x) | 172.1829% | 419 |
| Efficiency ratio | 62.9424% | 4,082 |
| Assets per employee ($millions) | 4.3855% | 3,272 |
| Cash dividends to net income (ytd only)* | 45.0888% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 2,087 |
| Loan loss allowance to noncurrent loans | 2,704.4776% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 5,330 |
| Noncurrent loans to loans | 0.0527% | 5,146 |
| Net loans and leases to total assets | 71.4938% | 2,262 |
| Net loans and leases to deposits | 87.6793% | 2,056 |
| Net loans and leases to core deposits | 94.3090% | 2,164 |
| Total domestic deposits to total assets | 81.5401% | 4,096 |
| Equity capital to assets | 12.2051% | 1,978 |
| Core capital (leverage) ratio | 10.5025% | 2,997 |
| Tier 1 risk-based capital ratio | 13.5724% | 3,817 |
| Total risk-based capital ratio | 14.8237% | 3,729 |
| Memoranda: | ||
| Average total assets | $169,575,250 | 3,306 |
| Average earning assets | $155,910,500 | 3,314 |
| Average equity | $20,894,250 | 3,103 |
| Average total loans | $124,708,000 | 3,004 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,658 |
| Cost of funding earning assets | 0.6301% | 1,141 |
| Net interest margin | 3.8246% | 2,227 |
| Noninterest income to average assets | 1.1621% | 829 |
| Noninterest expense to average assets | 3.0174% | 2,284 |
| Loan and lease loss provision to assets | 0.1790% | 1,222 |
| Net operating income to assets | 1.4151% | 1,038 |
| Return on assets (ROA) | 1.4162% | 1,082 |
| Pretax return on assets | 1.4866% | 1,719 |
| Return on Equity (ROE) | 11.4562% | 1,492 |
| Retained earnings to average equity (ytd only) | 5.7426% | 2,271 |
| Net charge-offs to loans | 0.0178% | 3,151 |
| Credit loss provision to net charge-offs | 1,363.6364% | 290 |
| Earnings coverage of net charge-offs (x) | 126.8182% | 470 |
| Efficiency ratio | 63.8634% | 4,044 |
| Assets per employee ($millions) | 4.3042% | 3,360 |
| Cash dividends to net income (ytd only)* | 49.8736% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 2,323 |
| Loan loss allowance to noncurrent loans | 1,721.7822% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 5,267 |
| Noncurrent loans to loans | 0.0809% | 5,129 |
| Net loans and leases to total assets | 71.4715% | 2,253 |
| Net loans and leases to deposits | 88.2225% | 1,962 |
| Net loans and leases to core deposits | 93.6290% | 2,199 |
| Total domestic deposits to total assets | 81.0127% | 4,274 |
| Equity capital to assets | 12.1962% | 1,974 |
| Core capital (leverage) ratio | 10.6481% | 2,796 |
| Tier 1 risk-based capital ratio | 13.3752% | 3,975 |
| Total risk-based capital ratio | 14.6257% | 3,888 |
| Memoranda: | ||
| Average total assets | $167,627,670 | 3,348 |
| Average earning assets | $154,262,670 | 3,344 |
| Average equity | $20,722,330 | 3,126 |
| Average total loans | $123,869,000 | 3,024 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 1,527 |
| Cost of funding earning assets | 0.6336% | 1,131 |
| Net interest margin | 3.8594% | 2,073 |
| Noninterest income to average assets | 1.2240% | 721 |
| Noninterest expense to average assets | 3.0721% | 2,173 |
| Loan and lease loss provision to assets | 0.1814% | 1,113 |
| Net operating income to assets | 1.4345% | 974 |
| Return on assets (ROA) | 1.4345% | 1,020 |
| Pretax return on assets | 1.5070% | 1,561 |
| Return on Equity (ROE) | 11.5232% | 1,457 |
| Retained earnings to average equity (ytd only) | 11.5232% | 578 |
| Net charge-offs to loans | -0.0032% | 4,189 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9736% | 4,127 |
| Assets per employee ($millions) | 4.1236% | 3,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 2,698 |
| Loan loss allowance to noncurrent loans | 545.9283% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 4,821 |
| Noncurrent loans to loans | 0.2459% | 4,550 |
| Net loans and leases to total assets | 74.6831% | 1,619 |
| Net loans and leases to deposits | 94.4395% | 1,098 |
| Net loans and leases to core deposits | 95.9490% | 1,802 |
| Total domestic deposits to total assets | 79.0803% | 4,952 |
| Equity capital to assets | 12.7012% | 1,560 |
| Core capital (leverage) ratio | 10.9061% | 2,494 |
| Tier 1 risk-based capital ratio | 13.4456% | 4,012 |
| Total risk-based capital ratio | 14.6957% | 3,936 |
| Memoranda: | ||
| Average total assets | $165,357,500 | 3,382 |
| Average earning assets | $151,525,500 | 3,403 |
| Average equity | $20,584,500 | 3,141 |
| Average total loans | $123,408,500 | 3,037 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,422 |
| Cost of funding earning assets | 0.6676% | 974 |
| Net interest margin | 3.8979% | 2,036 |
| Noninterest income to average assets | 1.4396% | 586 |
| Noninterest expense to average assets | 3.1176% | 2,179 |
| Loan and lease loss provision to assets | 0.1888% | 1,179 |
| Net operating income to assets | 1.6623% | 616 |
| Return on assets (ROA) | 1.6623% | 634 |
| Pretax return on assets | 1.7151% | 960 |
| Return on Equity (ROE) | 13.4065% | 971 |
| Retained earnings to average equity (ytd only) | 6.8251% | 1,363 |
| Net charge-offs to loans | 0.1004% | 2,408 |
| Credit loss provision to net charge-offs | 256.4103% | 1,119 |
| Earnings coverage of net charge-offs (x) | 25.8632% | 1,611 |
| Efficiency ratio | 61.5211% | 4,685 |
| Assets per employee ($millions) | 4.1443% | 3,671 |
| Cash dividends to net income (ytd only)* | 49.0916% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,826 |
| Loan loss allowance to noncurrent loans | 283.6879% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 4,228 |
| Noncurrent loans to loans | 0.4625% | 3,813 |
| Net loans and leases to total assets | 72.6036% | 1,955 |
| Net loans and leases to deposits | 89.5812% | 1,674 |
| Net loans and leases to core deposits | 90.9706% | 2,322 |
| Total domestic deposits to total assets | 81.0478% | 4,467 |
| Equity capital to assets | 12.1970% | 1,816 |
| Core capital (leverage) ratio | 10.5866% | 2,835 |
| Tier 1 risk-based capital ratio | 13.3103% | 4,097 |
| Total risk-based capital ratio | 14.5604% | 4,046 |
| Memoranda: | ||
| Average total assets | $158,937,600 | 3,442 |
| Average earning assets | $146,054,600 | 3,459 |
| Average equity | $19,706,800 | 3,203 |
| Average total loans | $116,517,800 | 3,101 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5848% | 1,368 |
| Cost of funding earning assets | 0.6673% | 991 |
| Net interest margin | 3.9175% | 1,974 |
| Noninterest income to average assets | 1.4781% | 565 |
| Noninterest expense to average assets | 3.1003% | 2,220 |
| Loan and lease loss provision to assets | 0.1908% | 1,065 |
| Net operating income to assets | 1.7426% | 574 |
| Return on assets (ROA) | 1.7426% | 597 |
| Pretax return on assets | 1.7961% | 909 |
| Return on Equity (ROE) | 13.9944% | 908 |
| Retained earnings to average equity (ytd only) | 7.1232% | 1,633 |
| Net charge-offs to loans | 0.0753% | 2,489 |
| Credit loss provision to net charge-offs | 346.1538% | 850 |
| Earnings coverage of net charge-offs (x) | 36.0480% | 1,334 |
| Efficiency ratio | 60.3767% | 4,835 |
| Assets per employee ($millions) | 3.9937% | 3,887 |
| Cash dividends to net income (ytd only)* | 49.0998% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3247% | 2,974 |
| Loan loss allowance to noncurrent loans | 141.4350% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 3,161 |
| Noncurrent loans to loans | 0.9366% | 2,634 |
| Net loans and leases to total assets | 73.5367% | 1,812 |
| Net loans and leases to deposits | 92.8376% | 1,325 |
| Net loans and leases to core deposits | 95.6737% | 1,916 |
| Total domestic deposits to total assets | 79.2101% | 4,929 |
| Equity capital to assets | 12.5412% | 1,725 |
| Core capital (leverage) ratio | 10.5938% | 2,931 |
| Tier 1 risk-based capital ratio | 13.3675% | 4,210 |
| Total risk-based capital ratio | 14.6176% | 4,132 |
| Memoranda: | ||
| Average total assets | $157,229,500 | 3,504 |
| Average earning assets | $144,852,000 | 3,506 |
| Average equity | $19,578,750 | 3,243 |
| Average total loans | $115,158,500 | 3,143 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5771% | 1,331 |
| Cost of funding earning assets | 0.6693% | 1,002 |
| Net interest margin | 3.9077% | 1,949 |
| Noninterest income to average assets | 1.5119% | 560 |
| Noninterest expense to average assets | 3.0852% | 2,288 |
| Loan and lease loss provision to assets | 0.1919% | 1,039 |
| Net operating income to assets | 1.7486% | 573 |
| Return on assets (ROA) | 1.8048% | 534 |
| Pretax return on assets | 1.8982% | 735 |
| Return on Equity (ROE) | 14.5262% | 813 |
| Retained earnings to average equity (ytd only) | 7.4330% | 1,502 |
| Net charge-offs to loans | 0.0509% | 2,693 |
| Credit loss provision to net charge-offs | 517.2414% | 613 |
| Earnings coverage of net charge-offs (x) | 54.8276% | 896 |
| Efficiency ratio | 59.6952% | 5,022 |
| Assets per employee ($millions) | 4.1229% | 3,633 |
| Cash dividends to net income (ytd only)* | 48.8306% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 3,042 |
| Loan loss allowance to noncurrent loans | 173.9819% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 3,725 |
| Noncurrent loans to loans | 0.7684% | 3,187 |
| Net loans and leases to total assets | 72.4480% | 1,904 |
| Net loans and leases to deposits | 89.8430% | 1,616 |
| Net loans and leases to core deposits | 92.5921% | 2,102 |
| Total domestic deposits to total assets | 80.6384% | 4,705 |
| Equity capital to assets | 12.5116% | 1,649 |
| Core capital (leverage) ratio | 10.5608% | 2,884 |
| Tier 1 risk-based capital ratio | 13.4571% | 4,244 |
| Total risk-based capital ratio | 14.7071% | 4,176 |
| Memoranda: | ||
| Average total assets | $156,358,000 | 3,540 |
| Average earning assets | $144,328,670 | 3,535 |
| Average equity | $19,427,000 | 3,276 |
| Average total loans | $113,861,670 | 3,181 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 1,370 |
| Cost of funding earning assets | 0.6628% | 1,032 |
| Net interest margin | 3.8712% | 1,990 |
| Noninterest income to average assets | 1.7541% | 429 |
| Noninterest expense to average assets | 3.2316% | 1,901 |
| Loan and lease loss provision to assets | 0.1921% | 978 |
| Net operating income to assets | 1.9180% | 393 |
| Return on assets (ROA) | 1.9180% | 417 |
| Pretax return on assets | 1.9052% | 712 |
| Return on Equity (ROE) | 15.4916% | 633 |
| Retained earnings to average equity (ytd only) | 12.3271% | 527 |
| Net charge-offs to loans | 0.0777% | 1,925 |
| Credit loss provision to net charge-offs | 340.9091% | 741 |
| Earnings coverage of net charge-offs (x) | 37.2273% | 1,019 |
| Efficiency ratio | 60.1153% | 5,081 |
| Assets per employee ($millions) | 4.2181% | 3,529 |
| Cash dividends to net income (ytd only)* | 20.4272% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2905% | 3,453 |
| Loan loss allowance to noncurrent loans | 403.8462% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2332% | 4,999 |
| Noncurrent loans to loans | 0.3196% | 4,650 |
| Net loans and leases to total assets | 72.0449% | 1,796 |
| Net loans and leases to deposits | 91.5023% | 1,240 |
| Net loans and leases to core deposits | 92.6331% | 1,893 |
| Total domestic deposits to total assets | 78.7356% | 5,308 |
| Equity capital to assets | 12.6445% | 1,602 |
| Core capital (leverage) ratio | 10.6011% | 2,848 |
| Tier 1 risk-based capital ratio | 13.3231% | 4,418 |
| Total risk-based capital ratio | 14.5401% | 4,355 |
| Memoranda: | ||
| Average total assets | $156,208,000 | 3,559 |
| Average earning assets | $144,246,500 | 3,559 |
| Average equity | $19,339,500 | 3,307 |
| Average total loans | $113,271,000 | 3,213 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5851% | 1,604 |
| Cost of funding earning assets | 0.7412% | 887 |
| Net interest margin | 3.8439% | 2,450 |
| Noninterest income to average assets | 1.6810% | 449 |
| Noninterest expense to average assets | 3.2838% | 1,966 |
| Loan and lease loss provision to assets | 0.2311% | 1,051 |
| Net operating income to assets | 1.6526% | 634 |
| Return on assets (ROA) | 1.6533% | 660 |
| Pretax return on assets | 1.7400% | 911 |
| Return on Equity (ROE) | 13.6242% | 1,010 |
| Retained earnings to average equity (ytd only) | 5.3442% | 2,374 |
| Net charge-offs to loans | 0.1359% | 2,659 |
| Credit loss provision to net charge-offs | 235.5072% | 1,073 |
| Earnings coverage of net charge-offs (x) | 20.0797% | 1,739 |
| Efficiency ratio | 62.1329% | 4,894 |
| Assets per employee ($millions) | 4.1144% | 3,697 |
| Cash dividends to net income (ytd only)* | 60.7742% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 3,679 |
| Loan loss allowance to noncurrent loans | 259.5238% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3972% | 4,501 |
| Noncurrent loans to loans | 0.4848% | 4,211 |
| Net loans and leases to total assets | 71.1336% | 2,056 |
| Net loans and leases to deposits | 87.6959% | 1,773 |
| Net loans and leases to core deposits | 88.7456% | 2,411 |
| Total domestic deposits to total assets | 81.1139% | 4,711 |
| Equity capital to assets | 12.1172% | 1,933 |
| Core capital (leverage) ratio | 10.2763% | 3,198 |
| Tier 1 risk-based capital ratio | 13.0248% | 4,718 |
| Total risk-based capital ratio | 14.2253% | 4,654 |
| Memoranda: | ||
| Average total assets | $140,631,200 | 3,791 |
| Average earning assets | $130,727,000 | 3,752 |
| Average equity | $17,065,200 | 3,517 |
| Average total loans | $101,557,000 | 3,389 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 1,666 |
| Cost of funding earning assets | 0.7534% | 878 |
| Net interest margin | 3.8086% | 2,586 |
| Noninterest income to average assets | 1.6815% | 462 |
| Noninterest expense to average assets | 3.3015% | 1,896 |
| Loan and lease loss provision to assets | 0.2194% | 1,043 |
| Net operating income to assets | 1.6259% | 707 |
| Return on assets (ROA) | 1.6269% | 734 |
| Pretax return on assets | 1.7117% | 1,039 |
| Return on Equity (ROE) | 13.4011% | 1,117 |
| Retained earnings to average equity (ytd only) | 4.1697% | 3,684 |
| Net charge-offs to loans | 0.1134% | 2,669 |
| Credit loss provision to net charge-offs | 267.8571% | 998 |
| Earnings coverage of net charge-offs (x) | 23.5589% | 1,584 |
| Efficiency ratio | 62.9754% | 4,728 |
| Assets per employee ($millions) | 3.9664% | 3,957 |
| Cash dividends to net income (ytd only)* | 68.8850% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,743 |
| Loan loss allowance to noncurrent loans | 149.8361% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 4,020 |
| Noncurrent loans to loans | 0.8553% | 3,426 |
| Net loans and leases to total assets | 70.0673% | 2,183 |
| Net loans and leases to deposits | 85.4435% | 1,976 |
| Net loans and leases to core deposits | 86.4931% | 2,614 |
| Total domestic deposits to total assets | 82.0043% | 4,477 |
| Equity capital to assets | 12.2037% | 1,909 |
| Core capital (leverage) ratio | 10.2170% | 3,392 |
| Tier 1 risk-based capital ratio | 13.1608% | 4,758 |
| Total risk-based capital ratio | 14.3771% | 4,715 |
| Memoranda: | ||
| Average total assets | $136,702,000 | 3,885 |
| Average earning assets | $127,427,500 | 3,843 |
| Average equity | $16,595,250 | 3,604 |
| Average total loans | $98,788,000 | 3,466 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 1,910 |
| Cost of funding earning assets | 0.7689% | 839 |
| Net interest margin | 3.7064% | 2,940 |
| Noninterest income to average assets | 1.6027% | 493 |
| Noninterest expense to average assets | 3.2175% | 2,136 |
| Loan and lease loss provision to assets | 0.2272% | 1,013 |
| Net operating income to assets | 1.5331% | 823 |
| Return on assets (ROA) | 1.5345% | 855 |
| Pretax return on assets | 1.6209% | 1,198 |
| Return on Equity (ROE) | 12.6659% | 1,271 |
| Retained earnings to average equity (ytd only) | 1.6755% | 5,066 |
| Net charge-offs to loans | 0.1686% | 2,044 |
| Credit loss provision to net charge-offs | 185.1852% | 1,245 |
| Earnings coverage of net charge-offs (x) | 15.0494% | 1,877 |
| Efficiency ratio | 63.5357% | 4,766 |
| Assets per employee ($millions) | 4.0977% | 3,650 |
| Cash dividends to net income (ytd only)* | 86.7720% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 4,222 |
| Loan loss allowance to noncurrent loans | 160.1726% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 4,341 |
| Noncurrent loans to loans | 0.7734% | 3,768 |
| Net loans and leases to total assets | 70.2043% | 2,046 |
| Net loans and leases to deposits | 85.7524% | 1,843 |
| Net loans and leases to core deposits | 86.8308% | 2,433 |
| Total domestic deposits to total assets | 81.8687% | 4,691 |
| Equity capital to assets | 12.2399% | 1,822 |
| Core capital (leverage) ratio | 11.3599% | 2,108 |
| Tier 1 risk-based capital ratio | 13.2379% | 4,764 |
| Total risk-based capital ratio | 14.4101% | 4,740 |
| Memoranda: | ||
| Average total assets | $132,027,670 | 3,993 |
| Average earning assets | $123,300,000 | 3,945 |
| Average equity | $15,995,670 | 3,692 |
| Average total loans | $96,057,330 | 3,539 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5862% | 1,538 |
| Cost of funding earning assets | 0.8166% | 684 |
| Net interest margin | 3.7695% | 2,598 |
| Noninterest income to average assets | 1.5191% | 510 |
| Noninterest expense to average assets | 3.1959% | 2,250 |
| Loan and lease loss provision to assets | 0.2414% | 908 |
| Net operating income to assets | 1.5257% | 772 |
| Return on assets (ROA) | 1.5288% | 804 |
| Pretax return on assets | 1.6060% | 1,157 |
| Return on Equity (ROE) | 12.6959% | 1,240 |
| Retained earnings to average equity (ytd only) | 12.6959% | 529 |
| Net charge-offs to loans | -0.0087% | 5,001 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4100% | 4,950 |
| Assets per employee ($millions) | 4.1374% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 3,434 |
| Loan loss allowance to noncurrent loans | 65.3654% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.6097% | 2,188 |
| Noncurrent loans to loans | 2.1987% | 1,655 |
| Net loans and leases to total assets | 72.1588% | 1,556 |
| Net loans and leases to deposits | 91.2346% | 1,016 |
| Net loans and leases to core deposits | 95.6176% | 1,407 |
| Total domestic deposits to total assets | 79.0915% | 5,669 |
| Equity capital to assets | 12.2952% | 1,690 |
| Core capital (leverage) ratio | 10.6895% | 2,714 |
| Tier 1 risk-based capital ratio | 13.1521% | 4,919 |
| Total risk-based capital ratio | 14.4036% | 4,850 |
| Memoranda: | ||
| Average total assets | $124,282,500 | 4,189 |
| Average earning assets | $116,088,500 | 4,139 |
| Average equity | $14,965,500 | 3,867 |
| Average total loans | $91,654,500 | 3,669 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 1,259 |
| Cost of funding earning assets | 0.9502% | 574 |
| Net interest margin | 3.8791% | 2,372 |
| Noninterest income to average assets | 1.6636% | 520 |
| Noninterest expense to average assets | 3.0860% | 2,776 |
| Loan and lease loss provision to assets | 0.2583% | 1,391 |
| Net operating income to assets | 1.8392% | 448 |
| Return on assets (ROA) | 1.8392% | 458 |
| Pretax return on assets | 1.9365% | 557 |
| Return on Equity (ROE) | 15.0903% | 745 |
| Retained earnings to average equity (ytd only) | 11.0846% | 409 |
| Net charge-offs to loans | 0.2159% | 2,731 |
| Credit loss provision to net charge-offs | 159.5745% | 1,436 |
| Earnings coverage of net charge-offs (x) | 13.5585% | 2,010 |
| Efficiency ratio | 58.4380% | 5,686 |
| Assets per employee ($millions) | 4.1481% | 3,535 |
| Cash dividends to net income (ytd only)* | 26.5449% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 3,973 |
| Loan loss allowance to noncurrent loans | 672.1311% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 5,880 |
| Noncurrent loans to loans | 0.1980% | 5,595 |
| Net loans and leases to total assets | 73.2930% | 1,472 |
| Net loans and leases to deposits | 91.8565% | 1,072 |
| Net loans and leases to core deposits | 96.2171% | 1,437 |
| Total domestic deposits to total assets | 79.7907% | 5,496 |
| Equity capital to assets | 11.7885% | 1,956 |
| Core capital (leverage) ratio | 10.4704% | 2,948 |
| Tier 1 risk-based capital ratio | 12.5505% | 5,257 |
| Total risk-based capital ratio | 13.7988% | 5,214 |
| Memoranda: | ||
| Average total assets | $116,137,000 | 4,357 |
| Average earning assets | $108,297,000 | 4,304 |
| Average equity | $14,154,800 | 4,035 |
| Average total loans | $87,065,600 | 3,758 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 1,160 |
| Cost of funding earning assets | 0.9669% | 586 |
| Net interest margin | 3.9154% | 2,214 |
| Noninterest income to average assets | 1.6248% | 552 |
| Noninterest expense to average assets | 3.0895% | 2,691 |
| Loan and lease loss provision to assets | 0.2338% | 1,548 |
| Net operating income to assets | 1.8539% | 473 |
| Return on assets (ROA) | 1.8539% | 486 |
| Pretax return on assets | 1.9510% | 649 |
| Return on Equity (ROE) | 15.0764% | 788 |
| Retained earnings to average equity (ytd only) | 11.2835% | 525 |
| Net charge-offs to loans | 0.0295% | 4,539 |
| Credit loss provision to net charge-offs | 1,052.6316% | 292 |
| Earnings coverage of net charge-offs (x) | 98.3790% | 503 |
| Efficiency ratio | 58.5771% | 5,613 |
| Assets per employee ($millions) | 3.9339% | 3,974 |
| Cash dividends to net income (ytd only)* | 25.1578% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 3,456 |
| Loan loss allowance to noncurrent loans | 541.2500% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 5,317 |
| Noncurrent loans to loans | 0.2771% | 5,539 |
| Net loans and leases to total assets | 72.2958% | 1,556 |
| Net loans and leases to deposits | 93.5548% | 857 |
| Net loans and leases to core deposits | 97.0671% | 1,307 |
| Total domestic deposits to total assets | 77.2763% | 6,005 |
| Equity capital to assets | 12.1566% | 1,817 |
| Core capital (leverage) ratio | 10.3616% | 3,153 |
| Tier 1 risk-based capital ratio | 13.2146% | 4,974 |
| Total risk-based capital ratio | 14.4672% | 4,914 |
| Memoranda: | ||
| Average total assets | $114,060,500 | 4,445 |
| Average earning assets | $106,311,750 | 4,397 |
| Average equity | $14,026,000 | 4,109 |
| Average total loans | $85,722,500 | 3,818 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9121% | 1,069 |
| Cost of funding earning assets | 0.9748% | 617 |
| Net interest margin | 3.9373% | 2,086 |
| Noninterest income to average assets | 1.5593% | 649 |
| Noninterest expense to average assets | 3.1257% | 2,589 |
| Loan and lease loss provision to assets | 0.2217% | 1,712 |
| Net operating income to assets | 1.7882% | 535 |
| Return on assets (ROA) | 1.7882% | 571 |
| Pretax return on assets | 1.8804% | 773 |
| Return on Equity (ROE) | 14.4838% | 912 |
| Retained earnings to average equity (ytd only) | 10.5611% | 730 |
| Net charge-offs to loans | 0.0445% | 4,057 |
| Credit loss provision to net charge-offs | 657.8947% | 449 |
| Earnings coverage of net charge-offs (x) | 62.3684% | 682 |
| Efficiency ratio | 59.7896% | 5,511 |
| Assets per employee ($millions) | 3.8868% | 4,037 |
| Cash dividends to net income (ytd only)* | 27.0833% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 4,067 |
| Loan loss allowance to noncurrent loans | 874.2857% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 5,633 |
| Noncurrent loans to loans | 0.1593% | 5,924 |
| Net loans and leases to total assets | 74.3081% | 1,206 |
| Net loans and leases to deposits | 94.3703% | 785 |
| Net loans and leases to core deposits | 97.8885% | 1,222 |
| Total domestic deposits to total assets | 78.7410% | 5,842 |
| Equity capital to assets | 11.9566% | 1,944 |
| Core capital (leverage) ratio | 10.3635% | 3,029 |
| Tier 1 risk-based capital ratio | 12.5758% | 5,448 |
| Total risk-based capital ratio | 13.8265% | 5,388 |
| Memoranda: | ||
| Average total assets | $112,741,330 | 4,516 |
| Average earning assets | $105,046,670 | 4,455 |
| Average equity | $13,919,000 | 4,162 |
| Average total loans | $85,423,000 | 3,840 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 1,110 |
| Cost of funding earning assets | 0.9907% | 646 |
| Net interest margin | 3.9006% | 2,119 |
| Noninterest income to average assets | 1.4295% | 747 |
| Noninterest expense to average assets | 3.2127% | 2,315 |
| Loan and lease loss provision to assets | 0.1805% | 2,053 |
| Net operating income to assets | 1.5847% | 727 |
| Return on assets (ROA) | 1.5847% | 786 |
| Pretax return on assets | 1.6605% | 1,169 |
| Return on Equity (ROE) | 12.6263% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.6263% | 606 |
| Net charge-offs to loans | -0.0380% | 5,997 |
| Credit loss provision to net charge-offs | -625.0000% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5714% | 5,071 |
| Assets per employee ($millions) | 3.8215% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,342 |
| Loan loss allowance to noncurrent loans | 404.1237% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 5,426 |
| Noncurrent loans to loans | 0.3410% | 5,551 |
| Net loans and leases to total assets | 75.9511% | 847 |
| Net loans and leases to deposits | 96.6839% | 506 |
| Net loans and leases to core deposits | 99.3074% | 990 |
| Total domestic deposits to total assets | 78.5561% | 6,037 |
| Equity capital to assets | 12.6949% | 1,592 |
| Core capital (leverage) ratio | 10.5272% | 2,742 |
| Tier 1 risk-based capital ratio | 12.5448% | 5,556 |
| Total risk-based capital ratio | 13.7951% | 5,501 |
| Memoranda: | ||
| Average total assets | $110,809,500 | 4,600 |
| Average earning assets | $102,958,500 | 4,542 |
| Average equity | $13,907,500 | 4,219 |
| Average total loans | $84,199,000 | 3,897 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 1,136 |
| Cost of funding earning assets | 1.1355% | 786 |
| Net interest margin | 4.0536% | 2,178 |
| Noninterest income to average assets | 1.0120% | 1,496 |
| Noninterest expense to average assets | 2.8025% | 4,011 |
| Loan and lease loss provision to assets | 0.2353% | 2,779 |
| Net operating income to assets | 1.6832% | 641 |
| Return on assets (ROA) | 1.6832% | 721 |
| Pretax return on assets | 1.7717% | 971 |
| Return on Equity (ROE) | 13.5531% | 1,096 |
| Retained earnings to average equity (ytd only) | 8.5654% | 944 |
| Net charge-offs to loans | 0.1766% | 3,960 |
| Credit loss provision to net charge-offs | 177.3050% | 1,481 |
| Earnings coverage of net charge-offs (x) | 15.1206% | 1,675 |
| Efficiency ratio | 58.2697% | 5,791 |
| Assets per employee ($millions) | 4.6165% | 2,752 |
| Cash dividends to net income (ytd only)* | 36.8009% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,423 |
| Loan loss allowance to noncurrent loans | 366.5574% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 5,478 |
| Noncurrent loans to loans | 0.3672% | 5,569 |
| Net loans and leases to total assets | 73.9492% | 1,203 |
| Net loans and leases to deposits | 94.3645% | 727 |
| Net loans and leases to core deposits | 96.9323% | 1,231 |
| Total domestic deposits to total assets | 78.3654% | 6,021 |
| Equity capital to assets | 12.4067% | 1,778 |
| Core capital (leverage) ratio | 10.4658% | 2,810 |
| Tier 1 risk-based capital ratio | 12.3164% | 5,589 |
| Total risk-based capital ratio | 13.5671% | 5,544 |
| Memoranda: | ||
| Average total assets | $106,225,200 | 4,670 |
| Average earning assets | $99,516,600 | 4,602 |
| Average equity | $13,192,600 | 4,318 |
| Average total loans | $79,854,200 | 4,046 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2570% | 1,085 |
| Cost of funding earning assets | 1.1681% | 803 |
| Net interest margin | 4.0890% | 2,129 |
| Noninterest income to average assets | 1.0937% | 1,257 |
| Noninterest expense to average assets | 2.8510% | 3,792 |
| Loan and lease loss provision to assets | 0.1903% | 3,208 |
| Net operating income to assets | 1.8081% | 557 |
| Return on assets (ROA) | 1.8081% | 628 |
| Pretax return on assets | 1.9032% | 861 |
| Return on Equity (ROE) | 14.5543% | 988 |
| Retained earnings to average equity (ytd only) | 9.1922% | 1,158 |
| Net charge-offs to loans | 0.0995% | 4,390 |
| Credit loss provision to net charge-offs | 254.2373% | 1,081 |
| Earnings coverage of net charge-offs (x) | 27.9678% | 1,163 |
| Efficiency ratio | 57.6597% | 5,836 |
| Assets per employee ($millions) | 4.3749% | 3,114 |
| Cash dividends to net income (ytd only)* | 36.8420% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,454 |
| Loan loss allowance to noncurrent loans | 477.8261% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 5,731 |
| Noncurrent loans to loans | 0.2891% | 5,910 |
| Net loans and leases to total assets | 74.7288% | 1,141 |
| Net loans and leases to deposits | 93.3206% | 843 |
| Net loans and leases to core deposits | 95.5945% | 1,444 |
| Total domestic deposits to total assets | 80.0775% | 5,632 |
| Equity capital to assets | 12.8870% | 1,649 |
| Core capital (leverage) ratio | 11.9450% | 1,684 |
| Tier 1 risk-based capital ratio | 14.8946% | 3,925 |
| Total risk-based capital ratio | 16.1454% | 3,880 |
| Memoranda: | ||
| Average total assets | $105,082,750 | 4,748 |
| Average earning assets | $98,963,500 | 4,665 |
| Average equity | $13,054,250 | 4,385 |
| Average total loans | $79,055,250 | 4,107 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2601% | 1,123 |
| Cost of funding earning assets | 1.1855% | 876 |
| Net interest margin | 4.0746% | 2,191 |
| Noninterest income to average assets | 0.9133% | 1,733 |
| Noninterest expense to average assets | 2.8503% | 3,833 |
| Loan and lease loss provision to assets | 0.1903% | 3,195 |
| Net operating income to assets | 1.6326% | 783 |
| Return on assets (ROA) | 1.6326% | 868 |
| Pretax return on assets | 1.7182% | 1,214 |
| Return on Equity (ROE) | 13.3071% | 1,280 |
| Retained earnings to average equity (ytd only) | 7.7703% | 1,732 |
| Net charge-offs to loans | 0.0634% | 4,543 |
| Credit loss provision to net charge-offs | 400.0000% | 730 |
| Earnings coverage of net charge-offs (x) | 40.1200% | 874 |
| Efficiency ratio | 59.8960% | 5,592 |
| Assets per employee ($millions) | 4.2856% | 3,278 |
| Cash dividends to net income (ytd only)* | 41.6084% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,664 |
| Loan loss allowance to noncurrent loans | 461.2766% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 5,771 |
| Noncurrent loans to loans | 0.2929% | 5,980 |
| Net loans and leases to total assets | 73.8713% | 1,264 |
| Net loans and leases to deposits | 91.8731% | 966 |
| Net loans and leases to core deposits | 96.5112% | 1,389 |
| Total domestic deposits to total assets | 80.4058% | 5,638 |
| Equity capital to assets | 12.2374% | 1,974 |
| Core capital (leverage) ratio | 11.5160% | 1,895 |
| Tier 1 risk-based capital ratio | 14.6260% | 4,018 |
| Total risk-based capital ratio | 15.8765% | 3,980 |
| Memoranda: | ||
| Average total assets | $105,111,330 | 4,770 |
| Average earning assets | $99,200,000 | 4,684 |
| Average equity | $12,895,330 | 4,414 |
| Average total loans | $78,886,330 | 4,132 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3078% | 1,080 |
| Cost of funding earning assets | 1.2123% | 932 |
| Net interest margin | 4.0955% | 2,108 |
| Noninterest income to average assets | 1.2181% | 967 |
| Noninterest expense to average assets | 2.9664% | 3,402 |
| Loan and lease loss provision to assets | 0.1921% | 3,028 |
| Net operating income to assets | 1.8060% | 593 |
| Return on assets (ROA) | 1.8060% | 666 |
| Pretax return on assets | 1.9021% | 871 |
| Return on Equity (ROE) | 14.7019% | 1,038 |
| Retained earnings to average equity (ytd only) | 14.7019% | 483 |
| Net charge-offs to loans | -0.0256% | 6,271 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6181% | 5,833 |
| Assets per employee ($millions) | 4.3026% | 3,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 4,804 |
| Loan loss allowance to noncurrent loans | 423.9044% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 4,882 |
| Noncurrent loans to loans | 0.3184% | 6,042 |
| Net loans and leases to total assets | 75.3152% | 885 |
| Net loans and leases to deposits | 94.2897% | 639 |
| Net loans and leases to core deposits | 98.3908% | 1,101 |
| Total domestic deposits to total assets | 79.8764% | 5,884 |
| Equity capital to assets | 12.5777% | 1,673 |
| Core capital (leverage) ratio | 11.8896% | 1,651 |
| Tier 1 risk-based capital ratio | 14.7451% | 3,929 |
| Total risk-based capital ratio | 15.9956% | 3,889 |
| Memoranda: | ||
| Average total assets | $104,097,500 | 4,830 |
| Average earning assets | $97,668,000 | 4,763 |
| Average equity | $12,787,500 | 4,442 |
| Average total loans | $78,215,000 | 4,171 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4679% | 1,247 |
| Cost of funding earning assets | 1.3261% | 1,361 |
| Net interest margin | 4.1418% | 2,261 |
| Noninterest income to average assets | 0.9489% | 1,509 |
| Noninterest expense to average assets | 2.7462% | 4,570 |
| Loan and lease loss provision to assets | 0.2682% | 3,532 |
| Net operating income to assets | 1.7427% | 511 |
| Return on assets (ROA) | 1.7427% | 548 |
| Pretax return on assets | 1.8334% | 751 |
| Return on Equity (ROE) | 15.2342% | 707 |
| Retained earnings to average equity (ytd only) | 9.7782% | 608 |
| Net charge-offs to loans | 0.3999% | 3,417 |
| Credit loss provision to net charge-offs | 91.0596% | 3,965 |
| Earnings coverage of net charge-offs (x) | 7.1358% | 2,390 |
| Efficiency ratio | 56.6486% | 6,234 |
| Assets per employee ($millions) | 4.5623% | 2,809 |
| Cash dividends to net income (ytd only)* | 35.8142% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 4,902 |
| Loan loss allowance to noncurrent loans | 352.7972% | 939 |
| Noncurrent assets plus other real estate owned to assets | 1.0835% | 4,448 |
| Noncurrent loans to loans | 0.3686% | 5,984 |
| Net loans and leases to total assets | 72.9847% | 1,457 |
| Net loans and leases to deposits | 90.5335% | 1,092 |
| Net loans and leases to core deposits | 94.0790% | 1,688 |
| Total domestic deposits to total assets | 80.6162% | 5,556 |
| Equity capital to assets | 11.9953% | 2,131 |
| Core capital (leverage) ratio | 11.6060% | 1,817 |
| Tier 1 risk-based capital ratio | 14.2911% | 4,113 |
| Total risk-based capital ratio | 15.5275% | 4,090 |
| Memoranda: | ||
| Average total assets | $102,543,000 | 4,832 |
| Average earning assets | $96,527,000 | 4,730 |
| Average equity | $11,730,200 | 4,611 |
| Average total loans | $75,523,600 | 4,294 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4891% | 1,275 |
| Cost of funding earning assets | 1.3298% | 1,552 |
| Net interest margin | 4.1593% | 2,244 |
| Noninterest income to average assets | 0.7298% | 2,416 |
| Noninterest expense to average assets | 2.7465% | 4,546 |
| Loan and lease loss provision to assets | 0.1635% | 4,426 |
| Net operating income to assets | 1.6675% | 681 |
| Return on assets (ROA) | 1.6675% | 743 |
| Pretax return on assets | 1.7551% | 1,029 |
| Return on Equity (ROE) | 14.7617% | 878 |
| Retained earnings to average equity (ytd only) | 8.8917% | 1,184 |
| Net charge-offs to loans | 0.3004% | 3,593 |
| Credit loss provision to net charge-offs | 73.9645% | 4,355 |
| Earnings coverage of net charge-offs (x) | 8.6804% | 2,139 |
| Efficiency ratio | 58.8730% | 5,884 |
| Assets per employee ($millions) | 4.4256% | 3,040 |
| Cash dividends to net income (ytd only)* | 39.7645% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 4,905 |
| Loan loss allowance to noncurrent loans | 148.0597% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 1.7841% | 3,421 |
| Noncurrent loans to loans | 0.8931% | 5,077 |
| Net loans and leases to total assets | 72.7306% | 1,561 |
| Net loans and leases to deposits | 90.6110% | 1,144 |
| Net loans and leases to core deposits | 95.8132% | 1,621 |
| Total domestic deposits to total assets | 80.2668% | 5,654 |
| Equity capital to assets | 11.9847% | 2,262 |
| Core capital (leverage) ratio | 11.1395% | 2,289 |
| Tier 1 risk-based capital ratio | 14.2410% | 4,168 |
| Total risk-based capital ratio | 15.4905% | 4,133 |
| Memoranda: | ||
| Average total assets | $101,945,500 | 4,870 |
| Average earning assets | $96,455,750 | 4,762 |
| Average equity | $11,516,000 | 4,689 |
| Average total loans | $75,006,000 | 4,351 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 1,297 |
| Cost of funding earning assets | 1.3173% | 1,839 |
| Net interest margin | 4.1814% | 2,114 |
| Noninterest income to average assets | 0.6196% | 3,008 |
| Noninterest expense to average assets | 2.7922% | 4,455 |
| Loan and lease loss provision to assets | 0.2451% | 3,455 |
| Net operating income to assets | 1.4647% | 950 |
| Return on assets (ROA) | 1.4647% | 1,013 |
| Pretax return on assets | 1.5471% | 1,383 |
| Return on Equity (ROE) | 13.2349% | 1,149 |
| Retained earnings to average equity (ytd only) | 6.5554% | 2,111 |
| Net charge-offs to loans | 0.4533% | 2,767 |
| Credit loss provision to net charge-offs | 73.5294% | 3,962 |
| Earnings coverage of net charge-offs (x) | 5.3765% | 2,627 |
| Efficiency ratio | 60.9068% | 5,743 |
| Assets per employee ($millions) | 4.4393% | 2,946 |
| Cash dividends to net income (ytd only)* | 50.4685% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 4,873 |
| Loan loss allowance to noncurrent loans | 82.2407% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.7747% | 3,546 |
| Noncurrent loans to loans | 1.6293% | 3,963 |
| Net loans and leases to total assets | 71.4631% | 1,893 |
| Net loans and leases to deposits | 89.3392% | 1,341 |
| Net loans and leases to core deposits | 95.7032% | 1,715 |
| Total domestic deposits to total assets | 79.9908% | 5,824 |
| Equity capital to assets | 11.3288% | 2,660 |
| Core capital (leverage) ratio | 10.6904% | 2,529 |
| Tier 1 risk-based capital ratio | 13.9625% | 4,197 |
| Total risk-based capital ratio | 15.2130% | 4,168 |
| Memoranda: | ||
| Average total assets | $101,998,000 | 4,901 |
| Average earning assets | $96,713,000 | 4,793 |
| Average equity | $11,288,330 | 4,740 |
| Average total loans | $75,000,330 | 4,389 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4655% | 1,391 |
| Cost of funding earning assets | 1.3074% | 2,135 |
| Net interest margin | 4.1580% | 2,048 |
| Noninterest income to average assets | 0.6160% | 3,063 |
| Noninterest expense to average assets | 2.8643% | 4,217 |
| Loan and lease loss provision to assets | 0.2943% | 2,805 |
| Net operating income to assets | 1.3301% | 1,204 |
| Return on assets (ROA) | 1.3301% | 1,250 |
| Pretax return on assets | 1.4007% | 1,722 |
| Return on Equity (ROE) | 12.1625% | 1,414 |
| Retained earnings to average equity (ytd only) | 12.1625% | 715 |
| Net charge-offs to loans | 0.7044% | 1,808 |
| Credit loss provision to net charge-offs | 56.3910% | 3,617 |
| Earnings coverage of net charge-offs (x) | 3.2481% | 2,804 |
| Efficiency ratio | 62.8227% | 5,551 |
| Assets per employee ($millions) | 4.4250% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 5,222 |
| Loan loss allowance to noncurrent loans | 77.2512% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.6478% | 3,778 |
| Noncurrent loans to loans | 1.6588% | 3,991 |
| Net loans and leases to total assets | 74.0268% | 1,338 |
| Net loans and leases to deposits | 92.7125% | 956 |
| Net loans and leases to core deposits | 101.8673% | 1,211 |
| Total domestic deposits to total assets | 79.8455% | 5,980 |
| Equity capital to assets | 11.1708% | 2,525 |
| Core capital (leverage) ratio | 10.7322% | 2,412 |
| Tier 1 risk-based capital ratio | 13.6181% | 4,343 |
| Total risk-based capital ratio | 14.8451% | 4,331 |
| Memoranda: | ||
| Average total assets | $101,945,500 | 4,947 |
| Average earning assets | $96,680,000 | 4,834 |
| Average equity | $11,149,000 | 4,757 |
| Average total loans | $75,522,000 | 4,401 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7992% | 1,280 |
| Cost of funding earning assets | 1.4720% | 2,810 |
| Net interest margin | 4.3272% | 1,725 |
| Noninterest income to average assets | 0.6038% | 3,455 |
| Noninterest expense to average assets | 2.6442% | 5,244 |
| Loan and lease loss provision to assets | 0.2567% | 4,736 |
| Net operating income to assets | 1.7128% | 500 |
| Return on assets (ROA) | 1.7118% | 543 |
| Pretax return on assets | 1.8011% | 763 |
| Return on Equity (ROE) | 15.6558% | 622 |
| Retained earnings to average equity (ytd only) | 10.2369% | 477 |
| Net charge-offs to loans | 0.1054% | 5,816 |
| Credit loss provision to net charge-offs | 333.3333% | 768 |
| Earnings coverage of net charge-offs (x) | 26.7333% | 812 |
| Efficiency ratio | 56.2227% | 6,573 |
| Assets per employee ($millions) | 4.6417% | 2,638 |
| Cash dividends to net income (ytd only)* | 34.6131% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 4,581 |
| Loan loss allowance to noncurrent loans | 76.2325% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.7500% | 3,679 |
| Noncurrent loans to loans | 1.8186% | 3,793 |
| Net loans and leases to total assets | 72.1623% | 2,069 |
| Net loans and leases to deposits | 91.0866% | 1,384 |
| Net loans and leases to core deposits | 98.9499% | 1,712 |
| Total domestic deposits to total assets | 79.2238% | 6,026 |
| Equity capital to assets | 10.7024% | 2,955 |
| Core capital (leverage) ratio | 10.5381% | 2,517 |
| Tier 1 risk-based capital ratio | 13.1432% | 4,490 |
| Total risk-based capital ratio | 14.3943% | 4,449 |
| Memoranda: | ||
| Average total assets | $97,382,800 | 5,067 |
| Average earning assets | $92,254,200 | 4,935 |
| Average equity | $10,647,800 | 4,949 |
| Average total loans | $71,143,200 | 4,636 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8203% | 1,338 |
| Cost of funding earning assets | 1.5058% | 2,940 |
| Net interest margin | 4.3145% | 1,796 |
| Noninterest income to average assets | 0.5932% | 3,482 |
| Noninterest expense to average assets | 2.6500% | 5,113 |
| Loan and lease loss provision to assets | 0.2425% | 4,658 |
| Net operating income to assets | 1.7047% | 616 |
| Return on assets (ROA) | 1.7034% | 672 |
| Pretax return on assets | 1.7935% | 935 |
| Return on Equity (ROE) | 15.4917% | 778 |
| Retained earnings to average equity (ytd only) | 10.3362% | 718 |
| Net charge-offs to loans | 0.1708% | 4,942 |
| Credit loss provision to net charge-offs | 194.4444% | 1,834 |
| Earnings coverage of net charge-offs (x) | 16.3329% | 1,384 |
| Efficiency ratio | 56.5346% | 6,485 |
| Assets per employee ($millions) | 4.3884% | 3,097 |
| Cash dividends to net income (ytd only)* | 33.2790% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 4,816 |
| Loan loss allowance to noncurrent loans | 69.9704% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.8437% | 3,689 |
| Noncurrent loans to loans | 1.8960% | 3,805 |
| Net loans and leases to total assets | 72.8790% | 2,041 |
| Net loans and leases to deposits | 92.6315% | 1,368 |
| Net loans and leases to core deposits | 100.6135% | 1,789 |
| Total domestic deposits to total assets | 78.6763% | 6,097 |
| Equity capital to assets | 11.4910% | 2,538 |
| Core capital (leverage) ratio | 10.4654% | 2,721 |
| Tier 1 risk-based capital ratio | 13.3520% | 4,311 |
| Total risk-based capital ratio | 14.5849% | 4,290 |
| Memoranda: | ||
| Average total assets | $96,199,250 | 5,154 |
| Average earning assets | $91,286,750 | 5,031 |
| Average equity | $10,577,500 | 5,031 |
| Average total loans | $70,247,500 | 4,747 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 1,381 |
| Cost of funding earning assets | 1.5175% | 3,155 |
| Net interest margin | 4.3024% | 1,770 |
| Noninterest income to average assets | 0.5495% | 3,722 |
| Noninterest expense to average assets | 2.6768% | 5,006 |
| Loan and lease loss provision to assets | 0.2602% | 4,328 |
| Net operating income to assets | 1.6131% | 709 |
| Return on assets (ROA) | 1.6111% | 766 |
| Pretax return on assets | 1.6944% | 1,067 |
| Return on Equity (ROE) | 14.8770% | 877 |
| Retained earnings to average equity (ytd only) | 10.1102% | 821 |
| Net charge-offs to loans | 0.2117% | 4,342 |
| Credit loss provision to net charge-offs | 168.9189% | 2,320 |
| Earnings coverage of net charge-offs (x) | 12.7027% | 1,658 |
| Efficiency ratio | 57.7718% | 6,405 |
| Assets per employee ($millions) | 4.3777% | 3,084 |
| Cash dividends to net income (ytd only)* | 32.0413% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 4,944 |
| Loan loss allowance to noncurrent loans | 104.2286% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2439% | 4,659 |
| Noncurrent loans to loans | 1.2430% | 4,895 |
| Net loans and leases to total assets | 72.1480% | 2,361 |
| Net loans and leases to deposits | 91.4036% | 1,632 |
| Net loans and leases to core deposits | 100.7219% | 1,945 |
| Total domestic deposits to total assets | 78.9334% | 6,058 |
| Equity capital to assets | 11.0343% | 2,826 |
| Core capital (leverage) ratio | 10.3100% | 2,815 |
| Tier 1 risk-based capital ratio | 13.3135% | 4,199 |
| Total risk-based capital ratio | 14.5336% | 4,183 |
| Memoranda: | ||
| Average total assets | $96,084,000 | 5,189 |
| Average earning assets | $91,204,000 | 5,058 |
| Average equity | $10,405,330 | 5,085 |
| Average total loans | $69,894,330 | 4,797 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6387% | 1,992 |
| Cost of funding earning assets | 1.5490% | 3,276 |
| Net interest margin | 4.0897% | 2,484 |
| Noninterest income to average assets | 0.4085% | 4,837 |
| Noninterest expense to average assets | 2.6758% | 5,024 |
| Loan and lease loss provision to assets | 0.1042% | 5,583 |
| Net operating income to assets | 1.4379% | 1,005 |
| Return on assets (ROA) | 1.4379% | 1,081 |
| Pretax return on assets | 1.5129% | 1,483 |
| Return on Equity (ROE) | 13.4052% | 1,168 |
| Retained earnings to average equity (ytd only) | 13.4052% | 569 |
| Net charge-offs to loans | 0.4423% | 2,722 |
| Credit loss provision to net charge-offs | 32.4675% | 4,778 |
| Earnings coverage of net charge-offs (x) | 5.0390% | 2,484 |
| Efficiency ratio | 62.3301% | 5,770 |
| Assets per employee ($millions) | 4.3512% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,755 |
| Loan loss allowance to noncurrent loans | 175.4881% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 5,678 |
| Noncurrent loans to loans | 0.6573% | 6,008 |
| Net loans and leases to total assets | 72.4265% | 2,349 |
| Net loans and leases to deposits | 90.2019% | 1,875 |
| Net loans and leases to core deposits | 103.8589% | 1,754 |
| Total domestic deposits to total assets | 80.2938% | 5,686 |
| Equity capital to assets | 10.9699% | 2,793 |
| Core capital (leverage) ratio | 10.3184% | 2,793 |
| Tier 1 risk-based capital ratio | 13.4322% | 4,031 |
| Total risk-based capital ratio | 14.5444% | 4,074 |
| Memoranda: | ||
| Average total assets | $95,971,500 | 5,260 |
| Average earning assets | $91,155,000 | 5,130 |
| Average equity | $10,294,500 | 5,152 |
| Average total loans | $69,643,000 | 4,875 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0032% | 1,852 |
| Cost of funding earning assets | 2.1177% | 2,380 |
| Net interest margin | 3.8856% | 3,324 |
| Noninterest income to average assets | 0.6949% | 3,016 |
| Noninterest expense to average assets | 3.1454% | 3,568 |
| Loan and lease loss provision to assets | 0.2205% | 5,599 |
| Net operating income to assets | 0.9638% | 1,972 |
| Return on assets (ROA) | 0.9638% | 2,022 |
| Pretax return on assets | 1.0219% | 2,518 |
| Return on Equity (ROE) | 9.1046% | 1,991 |
| Retained earnings to average equity (ytd only) | 4.7250% | 1,963 |
| Net charge-offs to loans | 0.4817% | 3,845 |
| Credit loss provision to net charge-offs | 64.8734% | 6,569 |
| Earnings coverage of net charge-offs (x) | 3.6551% | 3,255 |
| Efficiency ratio | 71.6842% | 4,322 |
| Assets per employee ($millions) | 4.3735% | 3,156 |
| Cash dividends to net income (ytd only)* | 48.1027% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 5,088 |
| Loan loss allowance to noncurrent loans | 132.6656% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 5,776 |
| Noncurrent loans to loans | 0.9386% | 5,437 |
| Net loans and leases to total assets | 70.9698% | 3,015 |
| Net loans and leases to deposits | 87.8196% | 2,588 |
| Net loans and leases to core deposits | 113.5358% | 2,546 |
| Total domestic deposits to total assets | 80.8132% | 5,404 |
| Equity capital to assets | 10.4846% | 3,196 |
| Core capital (leverage) ratio | 9.9805% | 3,111 |
| Tier 1 risk-based capital ratio | 12.9455% | 4,175 |
| Total risk-based capital ratio | 14.1280% | 4,179 |
| Memoranda: | ||
| Average total assets | $92,961,400 | 5,302 |
| Average earning assets | $88,352,600 | 5,175 |
| Average equity | $9,841,200 | 5,341 |
| Average total loans | $65,595,800 | 5,041 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0652% | 1,779 |
| Cost of funding earning assets | 2.2406% | 2,228 |
| Net interest margin | 3.8246% | 3,554 |
| Noninterest income to average assets | 0.5715% | 3,908 |
| Noninterest expense to average assets | 2.9372% | 4,286 |
| Loan and lease loss provision to assets | 0.2243% | 5,179 |
| Net operating income to assets | 0.9998% | 2,055 |
| Return on assets (ROA) | 0.9998% | 2,117 |
| Pretax return on assets | 1.0505% | 2,735 |
| Return on Equity (ROE) | 9.4208% | 2,121 |
| Retained earnings to average equity (ytd only) | 5.7671% | 2,068 |
| Net charge-offs to loans | 0.5811% | 2,936 |
| Credit loss provision to net charge-offs | 54.9645% | 6,246 |
| Earnings coverage of net charge-offs (x) | 3.1241% | 3,673 |
| Efficiency ratio | 69.7355% | 4,643 |
| Assets per employee ($millions) | 4.2221% | 3,338 |
| Cash dividends to net income (ytd only)* | 38.7839% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 4,759 |
| Loan loss allowance to noncurrent loans | 93.8889% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 5,082 |
| Noncurrent loans to loans | 1.3417% | 4,693 |
| Net loans and leases to total assets | 71.3038% | 3,197 |
| Net loans and leases to deposits | 89.1533% | 2,752 |
| Net loans and leases to core deposits | 117.9303% | 2,423 |
| Total domestic deposits to total assets | 79.9789% | 5,443 |
| Equity capital to assets | 10.9488% | 3,064 |
| Core capital (leverage) ratio | 10.0483% | 3,233 |
| Tier 1 risk-based capital ratio | 13.3922% | 3,929 |
| Total risk-based capital ratio | 14.5983% | 3,906 |
| Memoranda: | ||
| Average total assets | $92,147,500 | 5,360 |
| Average earning assets | $87,711,000 | 5,241 |
| Average equity | $9,779,500 | 5,405 |
| Average total loans | $64,708,250 | 5,117 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1142% | 1,743 |
| Cost of funding earning assets | 2.3578% | 2,135 |
| Net interest margin | 3.7564% | 3,732 |
| Noninterest income to average assets | 0.4070% | 5,224 |
| Noninterest expense to average assets | 2.9815% | 4,154 |
| Loan and lease loss provision to assets | 0.2829% | 4,313 |
| Net operating income to assets | 0.6790% | 3,350 |
| Return on assets (ROA) | 0.6790% | 3,465 |
| Pretax return on assets | 0.7138% | 3,952 |
| Return on Equity (ROE) | 6.4668% | 3,456 |
| Retained earnings to average equity (ytd only) | 3.7930% | 3,185 |
| Net charge-offs to loans | 0.8730% | 1,949 |
| Credit loss provision to net charge-offs | 46.5950% | 5,810 |
| Earnings coverage of net charge-offs (x) | 1.6416% | 4,312 |
| Efficiency ratio | 74.9453% | 3,887 |
| Assets per employee ($millions) | 4.6393% | 2,540 |
| Cash dividends to net income (ytd only)* | 41.3462% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 4,539 |
| Loan loss allowance to noncurrent loans | 65.6300% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.3688% | 4,224 |
| Noncurrent loans to loans | 1.9194% | 3,645 |
| Net loans and leases to total assets | 69.5263% | 3,808 |
| Net loans and leases to deposits | 86.7303% | 3,406 |
| Net loans and leases to core deposits | 119.1320% | 2,443 |
| Total domestic deposits to total assets | 80.1638% | 5,412 |
| Equity capital to assets | 10.3346% | 3,590 |
| Core capital (leverage) ratio | 9.8749% | 3,426 |
| Tier 1 risk-based capital ratio | 13.1106% | 4,062 |
| Total risk-based capital ratio | 14.2906% | 4,042 |
| Memoranda: | ||
| Average total assets | $91,901,000 | 5,411 |
| Average earning assets | $87,370,000 | 5,286 |
| Average equity | $9,649,330 | 5,474 |
| Average total loans | $63,918,670 | 5,181 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1703% | 1,692 |
| Cost of funding earning assets | 2.4976% | 1,924 |
| Net interest margin | 3.6727% | 4,006 |
| Noninterest income to average assets | 0.4374% | 4,895 |
| Noninterest expense to average assets | 2.7859% | 4,614 |
| Loan and lease loss provision to assets | 0.2405% | 4,054 |
| Net operating income to assets | 0.8485% | 2,912 |
| Return on assets (ROA) | 0.8485% | 3,067 |
| Pretax return on assets | 0.8966% | 3,729 |
| Return on Equity (ROE) | 8.0169% | 3,146 |
| Retained earnings to average equity (ytd only) | 8.0169% | 1,809 |
| Net charge-offs to loans | 0.3607% | 2,649 |
| Credit loss provision to net charge-offs | 96.4912% | 3,867 |
| Earnings coverage of net charge-offs (x) | 4.5614% | 2,860 |
| Efficiency ratio | 71.0145% | 4,369 |
| Assets per employee ($millions) | 4.5927% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 3,036 |
| Loan loss allowance to noncurrent loans | 59.7779% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.7822% | 3,248 |
| Noncurrent loans to loans | 2.4980% | 2,632 |
| Net loans and leases to total assets | 69.5916% | 3,779 |
| Net loans and leases to deposits | 87.0504% | 3,463 |
| Net loans and leases to core deposits | 116.4272% | 2,756 |
| Total domestic deposits to total assets | 79.9440% | 5,392 |
| Equity capital to assets | 10.6442% | 3,333 |
| Core capital (leverage) ratio | 9.9879% | 3,426 |
| Tier 1 risk-based capital ratio | 13.4200% | 3,917 |
| Total risk-based capital ratio | 14.6719% | 3,834 |
| Memoranda: | ||
| Average total assets | $91,459,000 | 5,440 |
| Average earning assets | $86,803,000 | 5,325 |
| Average equity | $9,679,500 | 5,485 |
| Average total loans | $63,211,500 | 5,236 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2500% | 4,242 |
| Cost of funding earning assets | 3.0858% | 1,553 |
| Net interest margin | 3.1642% | 6,481 |
| Noninterest income to average assets | 0.7276% | 2,923 |
| Noninterest expense to average assets | 2.4008% | 6,390 |
| Loan and lease loss provision to assets | 0.4368% | 3,105 |
| Net operating income to assets | 0.8338% | 3,289 |
| Return on assets (ROA) | 0.8338% | 3,134 |
| Pretax return on assets | 0.8813% | 3,795 |
| Return on Equity (ROE) | 8.0664% | 3,047 |
| Retained earnings to average equity (ytd only) | 2.2894% | 3,783 |
| Net charge-offs to loans | 0.3876% | 2,885 |
| Credit loss provision to net charge-offs | 169.5279% | 3,027 |
| Earnings coverage of net charge-offs (x) | 5.1159% | 3,746 |
| Efficiency ratio | 64.5555% | 5,436 |
| Assets per employee ($millions) | 4.5533% | 2,533 |
| Cash dividends to net income (ytd only)* | 71.6180% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 2,331 |
| Loan loss allowance to noncurrent loans | 77.8846% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 3,387 |
| Noncurrent loans to loans | 2.0282% | 2,731 |
| Net loans and leases to total assets | 66.5019% | 4,755 |
| Net loans and leases to deposits | 81.9198% | 4,742 |
| Net loans and leases to core deposits | 107.7887% | 3,992 |
| Total domestic deposits to total assets | 81.1794% | 4,568 |
| Equity capital to assets | 10.5222% | 3,473 |
| Core capital (leverage) ratio | 10.2077% | 3,256 |
| Tier 1 risk-based capital ratio | 13.6757% | 3,708 |
| Total risk-based capital ratio | 14.9287% | 3,625 |
| Memoranda: | ||
| Average total assets | $90,429,600 | 5,341 |
| Average earning assets | $85,488,400 | 5,246 |
| Average equity | $9,347,400 | 5,621 |
| Average total loans | $60,107,000 | 5,259 |