Home > Litchfield Bancorp > Performance and Condition Ratios
Litchfield Bancorp, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5468% | 3,931 |
| Cost of funding earning assets | 0.3870% | 3,661 |
| Net interest margin | 3.1597% | 3,467 |
| Noninterest income to average assets | 0.5627% | 2,362 |
| Noninterest expense to average assets | 3.2459% | 979 |
| Loan and lease loss provision to assets | 0.1091% | 2,982 |
| Net operating income to assets | 0.1635% | 4,615 |
| Return on assets (ROA) | 0.3152% | 4,486 |
| Pretax return on assets | 0.4168% | 4,393 |
| Return on Equity (ROE) | 4.2120% | 4,112 |
| Retained earnings to average equity (ytd only) | 4.2120% | 2,708 |
| Net charge-offs to loans | 0.0024% | 3,309 |
| Credit loss provision to net charge-offs | 6,060.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 185.4000% | 497 |
| Efficiency ratio | 90.6722% | 354 |
| Assets per employee ($millions) | 5.6521% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,033 |
| Loan loss allowance to noncurrent loans | 139.2710% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 2,159 |
| Noncurrent loans to loans | 0.6832% | 1,978 |
| Net loans and leases to total assets | 67.8093% | 1,847 |
| Net loans and leases to deposits | 73.8912% | 2,495 |
| Net loans and leases to core deposits | 78.7187% | 2,483 |
| Total domestic deposits to total assets | 91.7691% | 92 |
| Equity capital to assets | 6.7280% | 4,940 |
| Core capital (leverage) ratio | 7.4274% | 4,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1220% | 2,580 |
| Memoranda: | ||
| Average total assets | $277,610,000 | 2,413 |
| Average earning assets | $265,084,600 | 2,370 |
| Average equity | $20,774,200 | 3,115 |
| Average total loans | $208,584,800 | 2,172 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 4,066 |
| Cost of funding earning assets | 0.4306% | 3,638 |
| Net interest margin | 3.1486% | 3,623 |
| Noninterest income to average assets | 0.4887% | 2,660 |
| Noninterest expense to average assets | 3.2934% | 914 |
| Loan and lease loss provision to assets | 0.1010% | 3,056 |
| Net operating income to assets | 0.0561% | 4,734 |
| Return on assets (ROA) | 0.2297% | 4,588 |
| Pretax return on assets | 0.3154% | 4,527 |
| Return on Equity (ROE) | 2.9830% | 4,390 |
| Retained earnings to average equity (ytd only) | 2.9830% | 3,527 |
| Net charge-offs to loans | -0.0019% | 3,881 |
| Credit loss provision to net charge-offs | -6,800.0000% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3680% | 250 |
| Assets per employee ($millions) | 5.0878% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8877% | 4,109 |
| Loan loss allowance to noncurrent loans | 75.5764% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 1,309 |
| Noncurrent loans to loans | 1.1745% | 1,291 |
| Net loans and leases to total assets | 74.4614% | 1,318 |
| Net loans and leases to deposits | 81.8070% | 2,120 |
| Net loans and leases to core deposits | 87.8906% | 2,158 |
| Total domestic deposits to total assets | 91.0208% | 171 |
| Equity capital to assets | 7.2399% | 4,916 |
| Core capital (leverage) ratio | 7.7874% | 4,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6775% | 2,732 |
| Memoranda: | ||
| Average total assets | $269,296,000 | 2,441 |
| Average earning assets | $256,697,500 | 2,401 |
| Average equity | $20,739,000 | 3,118 |
| Average total loans | $207,525,750 | 2,181 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 4,091 |
| Cost of funding earning assets | 0.4806% | 3,652 |
| Net interest margin | 3.2190% | 3,613 |
| Noninterest income to average assets | 0.4520% | 2,796 |
| Noninterest expense to average assets | 3.3034% | 992 |
| Loan and lease loss provision to assets | 0.0800% | 3,291 |
| Net operating income to assets | 0.0781% | 4,709 |
| Return on assets (ROA) | 0.2111% | 4,603 |
| Pretax return on assets | 0.3003% | 4,536 |
| Return on Equity (ROE) | 2.6824% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.6824% | 3,511 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9722% | 295 |
| Assets per employee ($millions) | 4.9002% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8429% | 4,212 |
| Loan loss allowance to noncurrent loans | 50.8748% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 813 |
| Noncurrent loans to loans | 1.6568% | 880 |
| Net loans and leases to total assets | 77.1594% | 973 |
| Net loans and leases to deposits | 85.0090% | 1,883 |
| Net loans and leases to core deposits | 92.3364% | 1,873 |
| Total domestic deposits to total assets | 90.7662% | 208 |
| Equity capital to assets | 7.5260% | 4,869 |
| Core capital (leverage) ratio | 8.0682% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,393,333 | 2,462 |
| Average earning assets | $249,705,667 | 2,425 |
| Average equity | $20,653,333 | 3,119 |
| Average total loans | $204,076,000 | 2,188 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 4,090 |
| Cost of funding earning assets | 0.5299% | 3,794 |
| Net interest margin | 3.3454% | 3,466 |
| Noninterest income to average assets | 0.4726% | 2,693 |
| Noninterest expense to average assets | 3.3583% | 1,128 |
| Loan and lease loss provision to assets | 0.0898% | 2,563 |
| Net operating income to assets | 0.1366% | 4,614 |
| Return on assets (ROA) | 0.2772% | 4,418 |
| Pretax return on assets | 0.3749% | 4,340 |
| Return on Equity (ROE) | 3.4393% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.4393% | 2,907 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1348% | 426 |
| Assets per employee ($millions) | 4.3398% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 4,137 |
| Loan loss allowance to noncurrent loans | 101.8254% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 1,712 |
| Noncurrent loans to loans | 0.8766% | 1,858 |
| Net loans and leases to total assets | 78.7347% | 875 |
| Net loans and leases to deposits | 88.4418% | 1,703 |
| Net loans and leases to core deposits | 97.3537% | 1,693 |
| Total domestic deposits to total assets | 89.0243% | 650 |
| Equity capital to assets | 8.3203% | 4,891 |
| Core capital (leverage) ratio | 8.6819% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9255% | 2,324 |
| Memoranda: | ||
| Average total assets | $253,935,000 | 2,476 |
| Average earning assets | $240,807,000 | 2,441 |
| Average equity | $20,469,500 | 3,123 |
| Average total loans | $197,441,000 | 2,206 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 4,088 |
| Cost of funding earning assets | 0.6805% | 3,261 |
| Net interest margin | 3.3986% | 3,748 |
| Noninterest income to average assets | 0.4713% | 2,895 |
| Noninterest expense to average assets | 3.2938% | 1,311 |
| Loan and lease loss provision to assets | 0.0612% | 2,813 |
| Net operating income to assets | 0.2458% | 4,802 |
| Return on assets (ROA) | 0.3032% | 4,773 |
| Pretax return on assets | 0.4283% | 4,665 |
| Return on Equity (ROE) | 3.7191% | 4,529 |
| Retained earnings to average equity (ytd only) | 3.2590% | 3,383 |
| Net charge-offs to loans | -0.0071% | 4,391 |
| Credit loss provision to net charge-offs | -1,107.1429% | 4,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7660% | 405 |
| Assets per employee ($millions) | 4.5743% | 3,116 |
| Cash dividends to net income (ytd only)* | 12.3698% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,025 |
| Loan loss allowance to noncurrent loans | 174.4444% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 2,613 |
| Noncurrent loans to loans | 0.5079% | 2,670 |
| Net loans and leases to total assets | 75.4165% | 1,522 |
| Net loans and leases to deposits | 84.7077% | 2,246 |
| Net loans and leases to core deposits | 92.8480% | 2,170 |
| Total domestic deposits to total assets | 89.0315% | 659 |
| Equity capital to assets | 7.8061% | 5,080 |
| Core capital (leverage) ratio | 8.4155% | 4,886 |
| Tier 1 risk-based capital ratio | 12.8562% | 3,871 |
| Total risk-based capital ratio | 13.9160% | 3,845 |
| Memoranda: | ||
| Average total assets | $253,327,200 | 2,436 |
| Average earning assets | $241,455,600 | 2,397 |
| Average equity | $20,650,200 | 3,073 |
| Average total loans | $197,149,800 | 2,187 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 4,150 |
| Cost of funding earning assets | 0.7017% | 3,218 |
| Net interest margin | 3.4007% | 3,864 |
| Noninterest income to average assets | 0.4507% | 3,012 |
| Noninterest expense to average assets | 3.2512% | 1,374 |
| Loan and lease loss provision to assets | 0.0612% | 2,672 |
| Net operating income to assets | 0.2446% | 4,910 |
| Return on assets (ROA) | 0.3051% | 4,857 |
| Pretax return on assets | 0.4555% | 4,748 |
| Return on Equity (ROE) | 3.7026% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.0940% | 3,853 |
| Net charge-offs to loans | -0.0189% | 4,573 |
| Credit loss provision to net charge-offs | -414.2857% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0755% | 395 |
| Assets per employee ($millions) | 4.5213% | 3,165 |
| Cash dividends to net income (ytd only)* | 16.4355% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8353% | 4,292 |
| Loan loss allowance to noncurrent loans | 147.2318% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 2,698 |
| Noncurrent loans to loans | 0.5674% | 2,598 |
| Net loans and leases to total assets | 79.8008% | 873 |
| Net loans and leases to deposits | 91.5214% | 1,497 |
| Net loans and leases to core deposits | 103.6930% | 1,347 |
| Total domestic deposits to total assets | 87.1936% | 1,434 |
| Equity capital to assets | 8.4765% | 5,014 |
| Core capital (leverage) ratio | 8.4837% | 4,952 |
| Tier 1 risk-based capital ratio | 12.7106% | 4,024 |
| Total risk-based capital ratio | 13.7547% | 4,014 |
| Memoranda: | ||
| Average total assets | $252,619,000 | 2,464 |
| Average earning assets | $240,725,500 | 2,420 |
| Average equity | $20,813,750 | 3,078 |
| Average total loans | $197,708,750 | 2,203 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 4,145 |
| Cost of funding earning assets | 0.7045% | 3,145 |
| Net interest margin | 3.4019% | 3,891 |
| Noninterest income to average assets | 0.4350% | 3,034 |
| Noninterest expense to average assets | 3.2437% | 1,420 |
| Loan and lease loss provision to assets | 0.0594% | 2,634 |
| Net operating income to assets | 0.2440% | 4,945 |
| Return on assets (ROA) | 0.2947% | 4,893 |
| Pretax return on assets | 0.4366% | 4,781 |
| Return on Equity (ROE) | 3.6121% | 4,666 |
| Retained earnings to average equity (ytd only) | 2.6896% | 3,853 |
| Net charge-offs to loans | -0.0266% | 4,642 |
| Credit loss provision to net charge-offs | -288.4615% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2518% | 430 |
| Assets per employee ($millions) | 4.5459% | 3,067 |
| Cash dividends to net income (ytd only)* | 25.5376% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8345% | 4,323 |
| Loan loss allowance to noncurrent loans | 167.9150% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 2,920 |
| Noncurrent loans to loans | 0.4970% | 2,792 |
| Net loans and leases to total assets | 78.8481% | 1,066 |
| Net loans and leases to deposits | 90.2883% | 1,708 |
| Net loans and leases to core deposits | 100.6314% | 1,663 |
| Total domestic deposits to total assets | 87.3293% | 1,421 |
| Equity capital to assets | 8.4760% | 5,051 |
| Core capital (leverage) ratio | 8.3620% | 5,034 |
| Tier 1 risk-based capital ratio | 12.1472% | 4,333 |
| Total risk-based capital ratio | 13.1283% | 4,364 |
| Memoranda: | ||
| Average total assets | $252,427,670 | 2,477 |
| Average earning assets | $240,456,330 | 2,429 |
| Average equity | $20,597,670 | 3,093 |
| Average total loans | $195,694,330 | 2,224 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0862% | 4,165 |
| Cost of funding earning assets | 0.7116% | 2,993 |
| Net interest margin | 3.3745% | 3,965 |
| Noninterest income to average assets | 0.4085% | 3,130 |
| Noninterest expense to average assets | 3.2173% | 1,459 |
| Loan and lease loss provision to assets | 0.0631% | 2,399 |
| Net operating income to assets | 0.2253% | 4,992 |
| Return on assets (ROA) | 0.2539% | 4,960 |
| Pretax return on assets | 0.3801% | 4,863 |
| Return on Equity (ROE) | 3.1723% | 4,751 |
| Retained earnings to average equity (ytd only) | 1.3005% | 4,257 |
| Net charge-offs to loans | 0.0124% | 2,252 |
| Credit loss provision to net charge-offs | 666.6667% | 496 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,107 |
| Efficiency ratio | 88.7728% | 445 |
| Assets per employee ($millions) | 4.6962% | 2,925 |
| Cash dividends to net income (ytd only)* | 59.0062% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 4,467 |
| Loan loss allowance to noncurrent loans | 140.9372% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 2,813 |
| Noncurrent loans to loans | 0.5805% | 2,597 |
| Net loans and leases to total assets | 76.2052% | 1,446 |
| Net loans and leases to deposits | 88.6645% | 1,781 |
| Net loans and leases to core deposits | 99.0102% | 1,704 |
| Total domestic deposits to total assets | 85.9478% | 2,306 |
| Equity capital to assets | 8.0817% | 5,156 |
| Core capital (leverage) ratio | 8.1695% | 5,152 |
| Tier 1 risk-based capital ratio | 12.5847% | 4,114 |
| Total risk-based capital ratio | 13.5704% | 4,154 |
| Memoranda: | ||
| Average total assets | $253,629,000 | 2,487 |
| Average earning assets | $241,693,500 | 2,435 |
| Average equity | $20,300,500 | 3,129 |
| Average total loans | $194,142,000 | 2,256 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 4,034 |
| Cost of funding earning assets | 0.6169% | 2,606 |
| Net interest margin | 3.3818% | 4,046 |
| Noninterest income to average assets | 0.4326% | 3,223 |
| Noninterest expense to average assets | 3.0548% | 1,907 |
| Loan and lease loss provision to assets | 0.0607% | 2,948 |
| Net operating income to assets | 0.4189% | 4,832 |
| Return on assets (ROA) | 0.4198% | 4,822 |
| Pretax return on assets | 0.5256% | 4,764 |
| Return on Equity (ROE) | 5.4213% | 4,347 |
| Retained earnings to average equity (ytd only) | 4.9678% | 2,778 |
| Net charge-offs to loans | 0.0084% | 3,390 |
| Credit loss provision to net charge-offs | 950.0000% | 387 |
| Earnings coverage of net charge-offs (x) | 91.6250% | 785 |
| Efficiency ratio | 83.9272% | 656 |
| Assets per employee ($millions) | 4.6974% | 2,883 |
| Cash dividends to net income (ytd only)* | 8.3650% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 4,516 |
| Loan loss allowance to noncurrent loans | 133.7050% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 2,726 |
| Noncurrent loans to loans | 0.6028% | 2,471 |
| Net loans and leases to total assets | 75.6431% | 1,669 |
| Net loans and leases to deposits | 87.6543% | 2,092 |
| Net loans and leases to core deposits | 97.3372% | 1,938 |
| Total domestic deposits to total assets | 86.2971% | 2,090 |
| Equity capital to assets | 7.9263% | 5,189 |
| Core capital (leverage) ratio | 8.1733% | 5,181 |
| Tier 1 risk-based capital ratio | 12.4281% | 4,182 |
| Total risk-based capital ratio | 13.3832% | 4,223 |
| Memoranda: | ||
| Average total assets | $250,588,800 | 2,467 |
| Average earning assets | $237,652,000 | 2,429 |
| Average equity | $19,404,800 | 3,145 |
| Average total loans | $189,700,200 | 2,251 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 4,069 |
| Cost of funding earning assets | 0.6005% | 2,473 |
| Net interest margin | 3.3525% | 4,151 |
| Noninterest income to average assets | 0.4259% | 3,316 |
| Noninterest expense to average assets | 3.0240% | 1,940 |
| Loan and lease loss provision to assets | 0.0603% | 2,774 |
| Net operating income to assets | 0.4150% | 4,923 |
| Return on assets (ROA) | 0.4163% | 4,928 |
| Pretax return on assets | 0.5193% | 4,875 |
| Return on Equity (ROE) | 5.4082% | 4,443 |
| Retained earnings to average equity (ytd only) | 4.7980% | 3,348 |
| Net charge-offs to loans | 0.0120% | 2,984 |
| Credit loss provision to net charge-offs | 664.7059% | 549 |
| Earnings coverage of net charge-offs (x) | 63.6948% | 1,017 |
| Efficiency ratio | 83.9532% | 644 |
| Assets per employee ($millions) | 4.6710% | 2,880 |
| Cash dividends to net income (ytd only)* | 11.2821% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 4,636 |
| Loan loss allowance to noncurrent loans | 152.2044% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3957% | 3,105 |
| Noncurrent loans to loans | 0.5226% | 2,818 |
| Net loans and leases to total assets | 75.1128% | 1,793 |
| Net loans and leases to deposits | 89.4671% | 1,966 |
| Net loans and leases to core deposits | 100.4928% | 1,743 |
| Total domestic deposits to total assets | 83.9558% | 2,961 |
| Equity capital to assets | 7.6219% | 5,283 |
| Core capital (leverage) ratio | 8.1616% | 5,268 |
| Tier 1 risk-based capital ratio | 12.3292% | 4,300 |
| Total risk-based capital ratio | 13.2592% | 4,382 |
| Memoranda: | ||
| Average total assets | $249,820,750 | 2,491 |
| Average earning assets | $236,671,000 | 2,452 |
| Average equity | $19,229,500 | 3,184 |
| Average total loans | $188,766,250 | 2,264 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 4,014 |
| Cost of funding earning assets | 0.5769% | 2,382 |
| Net interest margin | 3.3442% | 4,126 |
| Noninterest income to average assets | 0.4233% | 3,333 |
| Noninterest expense to average assets | 2.9990% | 2,046 |
| Loan and lease loss provision to assets | 0.0594% | 2,718 |
| Net operating income to assets | 0.4341% | 4,891 |
| Return on assets (ROA) | 0.4361% | 4,891 |
| Pretax return on assets | 0.5333% | 4,847 |
| Return on Equity (ROE) | 5.6471% | 4,362 |
| Retained earnings to average equity (ytd only) | 4.7319% | 3,219 |
| Net charge-offs to loans | 0.0191% | 2,508 |
| Credit loss provision to net charge-offs | 411.1111% | 803 |
| Earnings coverage of net charge-offs (x) | 40.8333% | 1,272 |
| Efficiency ratio | 83.5534% | 716 |
| Assets per employee ($millions) | 4.7577% | 2,738 |
| Cash dividends to net income (ytd only)* | 16.2063% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7731% | 4,773 |
| Loan loss allowance to noncurrent loans | 131.0284% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4473% | 2,932 |
| Noncurrent loans to loans | 0.5900% | 2,647 |
| Net loans and leases to total assets | 75.2276% | 1,756 |
| Net loans and leases to deposits | 89.0348% | 1,975 |
| Net loans and leases to core deposits | 101.1939% | 1,639 |
| Total domestic deposits to total assets | 84.4924% | 2,876 |
| Equity capital to assets | 7.6273% | 5,339 |
| Core capital (leverage) ratio | 8.1694% | 5,281 |
| Tier 1 risk-based capital ratio | 12.3650% | 4,266 |
| Total risk-based capital ratio | 13.2867% | 4,347 |
| Memoranda: | ||
| Average total assets | $249,016,330 | 2,507 |
| Average earning assets | $235,750,000 | 2,469 |
| Average equity | $19,231,000 | 3,199 |
| Average total loans | $188,028,670 | 2,279 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 4,113 |
| Cost of funding earning assets | 0.5756% | 2,202 |
| Net interest margin | 3.2626% | 4,283 |
| Noninterest income to average assets | 0.4154% | 3,353 |
| Noninterest expense to average assets | 2.9760% | 2,122 |
| Loan and lease loss provision to assets | 0.0598% | 2,574 |
| Net operating income to assets | 0.3812% | 4,963 |
| Return on assets (ROA) | 0.3944% | 4,941 |
| Pretax return on assets | 0.4833% | 4,899 |
| Return on Equity (ROE) | 5.0754% | 4,462 |
| Retained earnings to average equity (ytd only) | 3.2449% | 3,909 |
| Net charge-offs to loans | 0.0129% | 2,297 |
| Credit loss provision to net charge-offs | 616.6667% | 510 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 901 |
| Efficiency ratio | 84.9562% | 721 |
| Assets per employee ($millions) | 4.6669% | 2,906 |
| Cash dividends to net income (ytd only)* | 36.0656% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7831% | 4,829 |
| Loan loss allowance to noncurrent loans | 76.5666% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.7678% | 2,033 |
| Noncurrent loans to loans | 1.0228% | 1,787 |
| Net loans and leases to total assets | 74.4782% | 1,792 |
| Net loans and leases to deposits | 88.8899% | 1,824 |
| Net loans and leases to core deposits | 102.3723% | 1,496 |
| Total domestic deposits to total assets | 83.7870% | 3,406 |
| Equity capital to assets | 7.7317% | 5,355 |
| Core capital (leverage) ratio | 8.1465% | 5,346 |
| Tier 1 risk-based capital ratio | 12.4596% | 4,273 |
| Total risk-based capital ratio | 13.3867% | 4,364 |
| Memoranda: | ||
| Average total assets | $247,444,500 | 2,538 |
| Average earning assets | $234,172,000 | 2,500 |
| Average equity | $19,230,000 | 3,226 |
| Average total loans | $186,457,000 | 2,308 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,304 |
| Cost of funding earning assets | 0.4620% | 2,671 |
| Net interest margin | 3.2511% | 4,302 |
| Noninterest income to average assets | 0.4470% | 3,331 |
| Noninterest expense to average assets | 3.0934% | 1,880 |
| Loan and lease loss provision to assets | 0.0627% | 2,978 |
| Net operating income to assets | 0.0219% | 5,338 |
| Return on assets (ROA) | 0.0297% | 5,333 |
| Pretax return on assets | 0.3575% | 5,143 |
| Return on Equity (ROE) | 0.3735% | 5,324 |
| Retained earnings to average equity (ytd only) | -0.1125% | 5,048 |
| Net charge-offs to loans | 0.0523% | 2,756 |
| Credit loss provision to net charge-offs | 163.8298% | 1,637 |
| Earnings coverage of net charge-offs (x) | 10.6596% | 2,654 |
| Efficiency ratio | 88.3488% | 510 |
| Assets per employee ($millions) | 4.8538% | 2,671 |
| Cash dividends to net income (ytd only)* | 130.1370% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 4,933 |
| Loan loss allowance to noncurrent loans | 80.8414% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 2,194 |
| Noncurrent loans to loans | 0.9394% | 1,898 |
| Net loans and leases to total assets | 75.0654% | 1,741 |
| Net loans and leases to deposits | 91.8405% | 1,549 |
| Net loans and leases to core deposits | 104.7546% | 1,360 |
| Total domestic deposits to total assets | 81.7346% | 3,933 |
| Equity capital to assets | 7.8111% | 5,458 |
| Core capital (leverage) ratio | 8.0192% | 5,432 |
| Tier 1 risk-based capital ratio | 12.2296% | 4,377 |
| Total risk-based capital ratio | 13.1282% | 4,495 |
| Memoranda: | ||
| Average total assets | $245,616,200 | 2,522 |
| Average earning assets | $230,754,400 | 2,494 |
| Average equity | $19,547,400 | 3,194 |
| Average total loans | $179,636,400 | 2,336 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 4,280 |
| Cost of funding earning assets | 0.4333% | 2,867 |
| Net interest margin | 3.2829% | 4,225 |
| Noninterest income to average assets | 0.4368% | 3,428 |
| Noninterest expense to average assets | 2.9860% | 2,145 |
| Loan and lease loss provision to assets | 0.0631% | 2,807 |
| Net operating income to assets | 0.3061% | 5,207 |
| Return on assets (ROA) | 0.3138% | 5,214 |
| Pretax return on assets | 0.4819% | 5,068 |
| Return on Equity (ROE) | 3.9250% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.2788% | 3,973 |
| Net charge-offs to loans | 0.0660% | 2,177 |
| Credit loss provision to net charge-offs | 131.8182% | 1,869 |
| Earnings coverage of net charge-offs (x) | 11.1364% | 2,527 |
| Efficiency ratio | 84.8532% | 698 |
| Assets per employee ($millions) | 4.7536% | 2,759 |
| Cash dividends to net income (ytd only)* | 16.4641% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 5,011 |
| Loan loss allowance to noncurrent loans | 77.2955% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7270% | 2,330 |
| Noncurrent loans to loans | 0.9766% | 1,969 |
| Net loans and leases to total assets | 73.8768% | 1,935 |
| Net loans and leases to deposits | 94.0872% | 1,298 |
| Net loans and leases to core deposits | 104.2437% | 1,374 |
| Total domestic deposits to total assets | 78.5194% | 4,624 |
| Equity capital to assets | 8.0899% | 5,491 |
| Core capital (leverage) ratio | 8.1364% | 5,454 |
| Tier 1 risk-based capital ratio | 12.7599% | 4,164 |
| Total risk-based capital ratio | 13.6542% | 4,285 |
| Memoranda: | ||
| Average total assets | $245,134,250 | 2,545 |
| Average earning assets | $230,159,750 | 2,515 |
| Average equity | $19,600,250 | 3,212 |
| Average total loans | $177,735,000 | 2,361 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 4,327 |
| Cost of funding earning assets | 0.3915% | 3,154 |
| Net interest margin | 3.2747% | 4,192 |
| Noninterest income to average assets | 0.4279% | 3,502 |
| Noninterest expense to average assets | 2.9634% | 2,220 |
| Loan and lease loss provision to assets | 0.0646% | 2,677 |
| Net operating income to assets | 0.3068% | 5,204 |
| Return on assets (ROA) | 0.3068% | 5,226 |
| Pretax return on assets | 0.4729% | 5,050 |
| Return on Equity (ROE) | 3.8525% | 4,863 |
| Retained earnings to average equity (ytd only) | 2.8765% | 3,998 |
| Net charge-offs to loans | 0.0843% | 1,767 |
| Credit loss provision to net charge-offs | 106.7568% | 1,927 |
| Earnings coverage of net charge-offs (x) | 8.8784% | 2,476 |
| Efficiency ratio | 84.6459% | 791 |
| Assets per employee ($millions) | 4.8561% | 2,582 |
| Cash dividends to net income (ytd only)* | 25.3333% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 5,042 |
| Loan loss allowance to noncurrent loans | 379.7222% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 4,595 |
| Noncurrent loans to loans | 0.2009% | 4,313 |
| Net loans and leases to total assets | 71.8167% | 2,232 |
| Net loans and leases to deposits | 87.2480% | 2,073 |
| Net loans and leases to core deposits | 97.6824% | 1,838 |
| Total domestic deposits to total assets | 82.3133% | 3,803 |
| Equity capital to assets | 7.9758% | 5,545 |
| Core capital (leverage) ratio | 8.2000% | 5,428 |
| Tier 1 risk-based capital ratio | 12.7275% | 4,167 |
| Total risk-based capital ratio | 13.6152% | 4,268 |
| Memoranda: | ||
| Average total assets | $244,450,330 | 2,557 |
| Average earning assets | $229,391,670 | 2,534 |
| Average equity | $19,468,000 | 3,222 |
| Average total loans | $175,646,000 | 2,388 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6675% | 4,214 |
| Cost of funding earning assets | 0.3741% | 3,261 |
| Net interest margin | 3.2934% | 4,030 |
| Noninterest income to average assets | 0.4233% | 3,503 |
| Noninterest expense to average assets | 2.9583% | 2,278 |
| Loan and lease loss provision to assets | 0.0659% | 2,484 |
| Net operating income to assets | 0.3261% | 5,135 |
| Return on assets (ROA) | 0.3261% | 5,160 |
| Pretax return on assets | 0.4876% | 4,990 |
| Return on Equity (ROE) | 4.0982% | 4,750 |
| Retained earnings to average equity (ytd only) | 2.1319% | 4,289 |
| Net charge-offs to loans | 0.0529% | 1,814 |
| Credit loss provision to net charge-offs | 173.9130% | 1,112 |
| Earnings coverage of net charge-offs (x) | 14.6087% | 1,716 |
| Efficiency ratio | 84.2402% | 951 |
| Assets per employee ($millions) | 4.8028% | 2,692 |
| Cash dividends to net income (ytd only)* | 47.9798% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7884% | 5,099 |
| Loan loss allowance to noncurrent loans | 83.8298% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 2,614 |
| Noncurrent loans to loans | 0.9404% | 2,163 |
| Net loans and leases to total assets | 70.8507% | 2,242 |
| Net loans and leases to deposits | 84.3519% | 2,245 |
| Net loans and leases to core deposits | 92.9668% | 2,068 |
| Total domestic deposits to total assets | 83.9942% | 3,482 |
| Equity capital to assets | 7.9288% | 5,553 |
| Core capital (leverage) ratio | 8.1888% | 5,458 |
| Tier 1 risk-based capital ratio | 12.8597% | 4,165 |
| Total risk-based capital ratio | 13.7704% | 4,284 |
| Memoranda: | ||
| Average total assets | $242,845,000 | 2,591 |
| Average earning assets | $227,728,000 | 2,570 |
| Average equity | $19,325,500 | 3,251 |
| Average total loans | $173,854,500 | 2,417 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 4,430 |
| Cost of funding earning assets | 0.4125% | 2,887 |
| Net interest margin | 3.2192% | 4,380 |
| Noninterest income to average assets | 0.4963% | 3,267 |
| Noninterest expense to average assets | 3.1566% | 1,880 |
| Loan and lease loss provision to assets | 0.0654% | 3,059 |
| Net operating income to assets | 0.1967% | 5,424 |
| Return on assets (ROA) | 0.2319% | 5,421 |
| Pretax return on assets | 0.3597% | 5,284 |
| Return on Equity (ROE) | 2.7080% | 5,238 |
| Retained earnings to average equity (ytd only) | 1.6602% | 4,588 |
| Net charge-offs to loans | 0.0755% | 2,619 |
| Credit loss provision to net charge-offs | 123.7705% | 2,160 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 3,087 |
| Efficiency ratio | 89.5047% | 587 |
| Assets per employee ($millions) | 4.8150% | 2,624 |
| Cash dividends to net income (ytd only)* | 38.6916% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7883% | 5,137 |
| Loan loss allowance to noncurrent loans | 75.4153% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7502% | 2,485 |
| Noncurrent loans to loans | 1.0452% | 1,985 |
| Net loans and leases to total assets | 71.2052% | 2,303 |
| Net loans and leases to deposits | 85.3957% | 2,252 |
| Net loans and leases to core deposits | 94.2258% | 2,082 |
| Total domestic deposits to total assets | 83.3826% | 3,634 |
| Equity capital to assets | 7.9876% | 5,567 |
| Core capital (leverage) ratio | 8.1994% | 5,505 |
| Tier 1 risk-based capital ratio | 12.8312% | 4,182 |
| Total risk-based capital ratio | 13.7604% | 4,259 |
| Memoranda: | ||
| Average total assets | $230,722,200 | 2,660 |
| Average earning assets | $217,197,600 | 2,625 |
| Average equity | $19,756,600 | 3,195 |
| Average total loans | $161,584,600 | 2,501 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 4,418 |
| Cost of funding earning assets | 0.4358% | 2,677 |
| Net interest margin | 3.2105% | 4,462 |
| Noninterest income to average assets | 0.5001% | 3,245 |
| Noninterest expense to average assets | 3.2290% | 1,719 |
| Loan and lease loss provision to assets | 0.0660% | 2,906 |
| Net operating income to assets | 0.1527% | 5,550 |
| Return on assets (ROA) | 0.1957% | 5,533 |
| Pretax return on assets | 0.2909% | 5,467 |
| Return on Equity (ROE) | 2.2458% | 5,426 |
| Retained earnings to average equity (ytd only) | 0.8581% | 5,123 |
| Net charge-offs to loans | 0.0722% | 2,280 |
| Credit loss provision to net charge-offs | 131.3953% | 1,962 |
| Earnings coverage of net charge-offs (x) | 5.8257% | 3,077 |
| Efficiency ratio | 91.6888% | 482 |
| Assets per employee ($millions) | 4.4805% | 3,120 |
| Cash dividends to net income (ytd only)* | 61.7897% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 5,122 |
| Loan loss allowance to noncurrent loans | 85.8134% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.6807% | 2,867 |
| Noncurrent loans to loans | 0.9584% | 2,326 |
| Net loans and leases to total assets | 70.4409% | 2,429 |
| Net loans and leases to deposits | 86.6404% | 2,193 |
| Net loans and leases to core deposits | 96.5536% | 1,936 |
| Total domestic deposits to total assets | 81.3026% | 4,165 |
| Equity capital to assets | 8.6345% | 5,446 |
| Core capital (leverage) ratio | 8.2676% | 5,522 |
| Tier 1 risk-based capital ratio | 13.3961% | 3,921 |
| Total risk-based capital ratio | 14.3777% | 3,988 |
| Memoranda: | ||
| Average total assets | $228,215,750 | 2,688 |
| Average earning assets | $214,787,000 | 2,659 |
| Average equity | $19,888,250 | 3,205 |
| Average total loans | $158,784,000 | 2,536 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 4,456 |
| Cost of funding earning assets | 0.4560% | 2,508 |
| Net interest margin | 3.1928% | 4,563 |
| Noninterest income to average assets | 0.5066% | 3,150 |
| Noninterest expense to average assets | 3.2229% | 1,756 |
| Loan and lease loss provision to assets | 0.0662% | 2,817 |
| Net operating income to assets | 0.1447% | 5,621 |
| Return on assets (ROA) | 0.1447% | 5,667 |
| Pretax return on assets | 0.2206% | 5,593 |
| Return on Equity (ROE) | 1.6556% | 5,583 |
| Retained earnings to average equity (ytd only) | 1.6556% | 4,720 |
| Net charge-offs to loans | 0.1086% | 1,739 |
| Credit loss provision to net charge-offs | 88.2353% | 2,266 |
| Earnings coverage of net charge-offs (x) | 3.8235% | 3,055 |
| Efficiency ratio | 91.8280% | 506 |
| Assets per employee ($millions) | 4.6338% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 5,182 |
| Loan loss allowance to noncurrent loans | 70.5977% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8088% | 2,569 |
| Noncurrent loans to loans | 1.1813% | 1,946 |
| Net loans and leases to total assets | 67.8978% | 2,790 |
| Net loans and leases to deposits | 82.2509% | 2,677 |
| Net loans and leases to core deposits | 90.7252% | 2,467 |
| Total domestic deposits to total assets | 82.5496% | 3,814 |
| Equity capital to assets | 8.7707% | 5,429 |
| Core capital (leverage) ratio | 8.4049% | 5,443 |
| Tier 1 risk-based capital ratio | 13.9103% | 3,652 |
| Total risk-based capital ratio | 14.9000% | 3,724 |
| Memoranda: | ||
| Average total assets | $226,626,330 | 2,716 |
| Average earning assets | $213,166,000 | 2,681 |
| Average equity | $19,812,000 | 3,216 |
| Average total loans | $156,553,000 | 2,569 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,416 |
| Cost of funding earning assets | 0.4577% | 2,496 |
| Net interest margin | 3.2134% | 4,541 |
| Noninterest income to average assets | 0.5516% | 2,797 |
| Noninterest expense to average assets | 3.0862% | 2,132 |
| Loan and lease loss provision to assets | 0.0678% | 2,602 |
| Net operating income to assets | 0.3284% | 5,217 |
| Return on assets (ROA) | 0.3284% | 5,304 |
| Pretax return on assets | 0.4177% | 5,268 |
| Return on Equity (ROE) | 3.7633% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.7633% | 3,615 |
| Net charge-offs to loans | 0.2161% | 938 |
| Credit loss provision to net charge-offs | 45.2381% | 2,095 |
| Earnings coverage of net charge-offs (x) | 3.2381% | 2,568 |
| Efficiency ratio | 86.4068% | 944 |
| Assets per employee ($millions) | 4.4040% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 5,299 |
| Loan loss allowance to noncurrent loans | 67.9514% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8433% | 2,579 |
| Noncurrent loans to loans | 1.2122% | 2,001 |
| Net loans and leases to total assets | 68.9893% | 2,502 |
| Net loans and leases to deposits | 82.5981% | 2,475 |
| Net loans and leases to core deposits | 91.6578% | 2,217 |
| Total domestic deposits to total assets | 83.5240% | 3,699 |
| Equity capital to assets | 8.8920% | 5,271 |
| Core capital (leverage) ratio | 8.5622% | 5,331 |
| Tier 1 risk-based capital ratio | 14.3559% | 3,467 |
| Total risk-based capital ratio | 15.3484% | 3,554 |
| Memoranda: | ||
| Average total assets | $224,094,000 | 2,748 |
| Average earning assets | $210,615,000 | 2,711 |
| Average equity | $19,557,500 | 3,248 |
| Average total loans | $155,511,500 | 2,577 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 4,399 |
| Cost of funding earning assets | 0.4650% | 2,485 |
| Net interest margin | 3.2233% | 4,547 |
| Noninterest income to average assets | 0.5061% | 3,281 |
| Noninterest expense to average assets | 3.2637% | 1,802 |
| Loan and lease loss provision to assets | 0.1283% | 1,877 |
| Net operating income to assets | 0.0902% | 5,768 |
| Return on assets (ROA) | 0.3869% | 5,174 |
| Pretax return on assets | 0.5762% | 4,919 |
| Return on Equity (ROE) | 4.4809% | 4,749 |
| Retained earnings to average equity (ytd only) | 4.4809% | 2,800 |
| Net charge-offs to loans | 0.0255% | 3,725 |
| Credit loss provision to net charge-offs | 742.1053% | 451 |
| Earnings coverage of net charge-offs (x) | 15.1316% | 2,224 |
| Efficiency ratio | 92.5768% | 545 |
| Assets per employee ($millions) | 4.4716% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8612% | 5,231 |
| Loan loss allowance to noncurrent loans | 65.0561% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 2,232 |
| Noncurrent loans to loans | 1.3238% | 1,783 |
| Net loans and leases to total assets | 68.6321% | 2,607 |
| Net loans and leases to deposits | 81.7893% | 2,615 |
| Net loans and leases to core deposits | 90.5897% | 2,359 |
| Total domestic deposits to total assets | 83.9133% | 3,512 |
| Equity capital to assets | 8.5620% | 5,507 |
| Core capital (leverage) ratio | 8.5034% | 5,432 |
| Tier 1 risk-based capital ratio | 14.5974% | 3,385 |
| Total risk-based capital ratio | 15.6365% | 3,416 |
| Memoranda: | ||
| Average total assets | $219,721,800 | 2,746 |
| Average earning assets | $205,812,600 | 2,713 |
| Average equity | $18,969,600 | 3,267 |
| Average total loans | $148,893,400 | 2,610 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 4,461 |
| Cost of funding earning assets | 0.4712% | 2,488 |
| Net interest margin | 3.2129% | 4,635 |
| Noninterest income to average assets | 0.5040% | 3,333 |
| Noninterest expense to average assets | 3.2553% | 1,810 |
| Loan and lease loss provision to assets | 0.1438% | 1,529 |
| Net operating income to assets | 0.0844% | 5,869 |
| Return on assets (ROA) | 0.5351% | 4,754 |
| Pretax return on assets | 0.7070% | 4,662 |
| Return on Equity (ROE) | 6.1853% | 4,063 |
| Retained earnings to average equity (ytd only) | 6.1853% | 2,127 |
| Net charge-offs to loans | 0.0172% | 3,608 |
| Credit loss provision to net charge-offs | 1,242.1053% | 302 |
| Earnings coverage of net charge-offs (x) | 22.2657% | 1,784 |
| Efficiency ratio | 92.6613% | 538 |
| Assets per employee ($millions) | 4.1880% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8411% | 5,401 |
| Loan loss allowance to noncurrent loans | 34.5869% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 1.7012% | 1,268 |
| Noncurrent loans to loans | 2.4318% | 844 |
| Net loans and leases to total assets | 69.3667% | 2,481 |
| Net loans and leases to deposits | 88.6198% | 1,820 |
| Net loans and leases to core deposits | 98.3312% | 1,663 |
| Total domestic deposits to total assets | 78.2744% | 5,135 |
| Equity capital to assets | 8.7929% | 5,496 |
| Core capital (leverage) ratio | 8.6332% | 5,429 |
| Tier 1 risk-based capital ratio | 14.3978% | 3,630 |
| Total risk-based capital ratio | 15.4008% | 3,695 |
| Memoranda: | ||
| Average total assets | $218,756,750 | 2,783 |
| Average earning assets | $204,879,750 | 2,739 |
| Average equity | $18,926,250 | 3,303 |
| Average total loans | $147,421,250 | 2,639 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7005% | 4,406 |
| Cost of funding earning assets | 0.4777% | 2,451 |
| Net interest margin | 3.2229% | 4,593 |
| Noninterest income to average assets | 0.5209% | 3,220 |
| Noninterest expense to average assets | 3.2432% | 1,859 |
| Loan and lease loss provision to assets | 0.1755% | 1,184 |
| Net operating income to assets | 0.0930% | 5,883 |
| Return on assets (ROA) | 0.7368% | 3,817 |
| Pretax return on assets | 0.9197% | 3,883 |
| Return on Equity (ROE) | 8.5641% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.5641% | 1,057 |
| Net charge-offs to loans | 0.0304% | 3,053 |
| Credit loss provision to net charge-offs | 868.1818% | 401 |
| Earnings coverage of net charge-offs (x) | 14.3636% | 2,062 |
| Efficiency ratio | 91.7837% | 655 |
| Assets per employee ($millions) | 4.1562% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 5,500 |
| Loan loss allowance to noncurrent loans | 33.1839% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 1.7328% | 1,359 |
| Noncurrent loans to loans | 2.5237% | 880 |
| Net loans and leases to total assets | 67.6220% | 2,698 |
| Net loans and leases to deposits | 87.8295% | 1,859 |
| Net loans and leases to core deposits | 92.1496% | 2,141 |
| Total domestic deposits to total assets | 76.9924% | 5,455 |
| Equity capital to assets | 8.6903% | 5,534 |
| Core capital (leverage) ratio | 8.9706% | 5,011 |
| Tier 1 risk-based capital ratio | 14.3554% | 3,731 |
| Total risk-based capital ratio | 15.3249% | 3,817 |
| Memoranda: | ||
| Average total assets | $217,687,670 | 2,806 |
| Average earning assets | $203,483,670 | 2,779 |
| Average equity | $18,729,330 | 3,337 |
| Average total loans | $144,803,330 | 2,685 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 4,282 |
| Cost of funding earning assets | 0.4803% | 2,448 |
| Net interest margin | 3.2437% | 4,443 |
| Noninterest income to average assets | 0.4289% | 3,770 |
| Noninterest expense to average assets | 3.3181% | 1,676 |
| Loan and lease loss provision to assets | 0.0832% | 2,308 |
| Net operating income to assets | 0.0429% | 5,965 |
| Return on assets (ROA) | 0.1904% | 5,785 |
| Pretax return on assets | 0.2717% | 5,709 |
| Return on Equity (ROE) | 2.2243% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.2243% | 4,572 |
| Net charge-offs to loans | 0.0253% | 2,658 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 8.6667% | 2,070 |
| Efficiency ratio | 95.8356% | 511 |
| Assets per employee ($millions) | 3.9835% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 5,701 |
| Loan loss allowance to noncurrent loans | 27.5061% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 1.9372% | 1,245 |
| Noncurrent loans to loans | 2.8946% | 776 |
| Net loans and leases to total assets | 66.3943% | 2,709 |
| Net loans and leases to deposits | 86.1089% | 1,818 |
| Net loans and leases to core deposits | 91.1778% | 2,014 |
| Total domestic deposits to total assets | 77.1050% | 5,596 |
| Equity capital to assets | 8.8256% | 5,476 |
| Core capital (leverage) ratio | 8.6057% | 5,415 |
| Tier 1 risk-based capital ratio | 13.6539% | 4,248 |
| Total risk-based capital ratio | 14.5138% | 4,371 |
| Memoranda: | ||
| Average total assets | $216,392,000 | 2,839 |
| Average earning assets | $202,360,500 | 2,808 |
| Average equity | $18,522,500 | 3,379 |
| Average total loans | $142,097,500 | 2,732 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8142% | 4,446 |
| Cost of funding earning assets | 0.5779% | 1,975 |
| Net interest margin | 3.2363% | 4,811 |
| Noninterest income to average assets | 0.4665% | 3,740 |
| Noninterest expense to average assets | 3.2935% | 1,948 |
| Loan and lease loss provision to assets | 0.0364% | 3,855 |
| Net operating income to assets | 0.1187% | 5,924 |
| Return on assets (ROA) | 0.1596% | 5,902 |
| Pretax return on assets | 0.2210% | 5,838 |
| Return on Equity (ROE) | 1.9626% | 5,773 |
| Retained earnings to average equity (ytd only) | 1.9626% | 4,813 |
| Net charge-offs to loans | 0.1587% | 2,452 |
| Credit loss provision to net charge-offs | 35.5556% | 3,755 |
| Earnings coverage of net charge-offs (x) | 1.9600% | 4,292 |
| Efficiency ratio | 94.2608% | 583 |
| Assets per employee ($millions) | 4.2627% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 5,860 |
| Loan loss allowance to noncurrent loans | 34.6044% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 1.4197% | 1,943 |
| Noncurrent loans to loans | 2.2023% | 1,209 |
| Net loans and leases to total assets | 63.9748% | 3,229 |
| Net loans and leases to deposits | 86.9975% | 1,848 |
| Net loans and leases to core deposits | 91.7411% | 2,121 |
| Total domestic deposits to total assets | 73.5364% | 5,978 |
| Equity capital to assets | 8.3065% | 5,889 |
| Core capital (leverage) ratio | 8.0321% | 5,983 |
| Tier 1 risk-based capital ratio | 13.8835% | 4,179 |
| Total risk-based capital ratio | 14.7566% | 4,348 |
| Memoranda: | ||
| Average total assets | $219,916,200 | 2,785 |
| Average earning assets | $205,729,600 | 2,743 |
| Average equity | $17,884,800 | 3,416 |
| Average total loans | $141,810,800 | 2,688 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,544 |
| Cost of funding earning assets | 0.5879% | 1,947 |
| Net interest margin | 3.2125% | 4,925 |
| Noninterest income to average assets | 0.4611% | 3,808 |
| Noninterest expense to average assets | 3.3357% | 1,828 |
| Loan and lease loss provision to assets | 0.0304% | 3,801 |
| Net operating income to assets | 0.0797% | 6,052 |
| Return on assets (ROA) | 0.1251% | 6,023 |
| Pretax return on assets | 0.1610% | 5,999 |
| Return on Equity (ROE) | 1.5471% | 5,939 |
| Retained earnings to average equity (ytd only) | 1.5471% | 5,270 |
| Net charge-offs to loans | 0.0292% | 3,899 |
| Credit loss provision to net charge-offs | 161.2903% | 1,503 |
| Earnings coverage of net charge-offs (x) | 7.0648% | 2,980 |
| Efficiency ratio | 96.1646% | 501 |
| Assets per employee ($millions) | 4.0658% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 5,665 |
| Loan loss allowance to noncurrent loans | 39.7652% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 1.4352% | 2,153 |
| Noncurrent loans to loans | 2.2091% | 1,376 |
| Net loans and leases to total assets | 64.3948% | 3,128 |
| Net loans and leases to deposits | 91.0573% | 1,317 |
| Net loans and leases to core deposits | 95.9407% | 1,679 |
| Total domestic deposits to total assets | 70.7190% | 6,246 |
| Equity capital to assets | 8.2030% | 6,013 |
| Core capital (leverage) ratio | 8.1520% | 5,969 |
| Tier 1 risk-based capital ratio | 14.0489% | 4,172 |
| Total risk-based capital ratio | 15.0712% | 4,274 |
| Memoranda: | ||
| Average total assets | $219,480,500 | 2,812 |
| Average earning assets | $205,483,500 | 2,769 |
| Average equity | $17,753,000 | 3,444 |
| Average total loans | $141,539,750 | 2,702 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8374% | 4,385 |
| Cost of funding earning assets | 0.5881% | 1,996 |
| Net interest margin | 3.2493% | 4,786 |
| Noninterest income to average assets | 0.4311% | 4,017 |
| Noninterest expense to average assets | 3.3355% | 1,828 |
| Loan and lease loss provision to assets | 0.0428% | 3,459 |
| Net operating income to assets | 0.0730% | 6,094 |
| Return on assets (ROA) | 0.1249% | 6,037 |
| Pretax return on assets | 0.1604% | 6,005 |
| Return on Equity (ROE) | 1.5509% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.5509% | 5,119 |
| Net charge-offs to loans | 0.0198% | 3,815 |
| Credit loss provision to net charge-offs | 335.7143% | 783 |
| Earnings coverage of net charge-offs (x) | 10.7143% | 2,224 |
| Efficiency ratio | 96.0630% | 553 |
| Assets per employee ($millions) | 4.1342% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 5,751 |
| Loan loss allowance to noncurrent loans | 46.5296% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 2,620 |
| Noncurrent loans to loans | 1.9094% | 1,790 |
| Net loans and leases to total assets | 64.5061% | 2,999 |
| Net loans and leases to deposits | 89.2671% | 1,443 |
| Net loans and leases to core deposits | 94.1602% | 1,759 |
| Total domestic deposits to total assets | 72.2619% | 6,233 |
| Equity capital to assets | 8.2350% | 6,004 |
| Core capital (leverage) ratio | 7.8866% | 6,162 |
| Tier 1 risk-based capital ratio | 13.9250% | 4,299 |
| Total risk-based capital ratio | 14.9612% | 4,390 |
| Memoranda: | ||
| Average total assets | $219,455,670 | 2,816 |
| Average earning assets | $205,397,670 | 2,779 |
| Average equity | $17,667,330 | 3,455 |
| Average total loans | $141,174,670 | 2,708 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 4,390 |
| Cost of funding earning assets | 0.5873% | 2,097 |
| Net interest margin | 3.2357% | 4,792 |
| Noninterest income to average assets | 0.4116% | 4,093 |
| Noninterest expense to average assets | 3.3256% | 1,889 |
| Loan and lease loss provision to assets | 0.0874% | 2,458 |
| Net operating income to assets | 0.0437% | 6,143 |
| Return on assets (ROA) | 0.0437% | 6,162 |
| Pretax return on assets | 0.0291% | 6,182 |
| Return on Equity (ROE) | 0.5492% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.5492% | 5,363 |
| Net charge-offs to loans | 0.0313% | 2,966 |
| Credit loss provision to net charge-offs | 436.3636% | 607 |
| Earnings coverage of net charge-offs (x) | 5.8182% | 2,325 |
| Efficiency ratio | 96.6138% | 608 |
| Assets per employee ($millions) | 4.2058% | 3,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 5,848 |
| Loan loss allowance to noncurrent loans | 51.7719% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 3,053 |
| Noncurrent loans to loans | 1.7523% | 2,207 |
| Net loans and leases to total assets | 62.2810% | 3,192 |
| Net loans and leases to deposits | 86.3473% | 1,555 |
| Net loans and leases to core deposits | 91.0355% | 1,824 |
| Total domestic deposits to total assets | 72.1285% | 6,351 |
| Equity capital to assets | 7.9091% | 6,114 |
| Core capital (leverage) ratio | 7.8642% | 6,199 |
| Tier 1 risk-based capital ratio | 13.8571% | 4,426 |
| Total risk-based capital ratio | 14.9078% | 4,524 |
| Memoranda: | ||
| Average total assets | $219,626,500 | 2,832 |
| Average earning assets | $205,704,000 | 2,790 |
| Average equity | $17,479,000 | 3,482 |
| Average total loans | $140,457,500 | 2,729 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 4,428 |
| Cost of funding earning assets | 0.6641% | 2,079 |
| Net interest margin | 3.2443% | 4,852 |
| Noninterest income to average assets | 0.4913% | 3,812 |
| Noninterest expense to average assets | 3.3194% | 2,094 |
| Loan and lease loss provision to assets | 0.0900% | 3,310 |
| Net operating income to assets | 0.0769% | 6,087 |
| Return on assets (ROA) | 0.2068% | 5,874 |
| Pretax return on assets | 0.2958% | 5,742 |
| Return on Equity (ROE) | 2.4617% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.4617% | 4,502 |
| Net charge-offs to loans | 0.0535% | 4,474 |
| Credit loss provision to net charge-offs | 261.6438% | 866 |
| Earnings coverage of net charge-offs (x) | 5.8219% | 3,203 |
| Efficiency ratio | 94.3121% | 729 |
| Assets per employee ($millions) | 4.2420% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 5,992 |
| Loan loss allowance to noncurrent loans | 58.1801% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 3,454 |
| Noncurrent loans to loans | 1.5062% | 2,638 |
| Net loans and leases to total assets | 64.5176% | 2,953 |
| Net loans and leases to deposits | 82.0528% | 2,176 |
| Net loans and leases to core deposits | 86.2819% | 2,411 |
| Total domestic deposits to total assets | 78.6294% | 5,723 |
| Equity capital to assets | 8.0095% | 6,012 |
| Core capital (leverage) ratio | 8.0252% | 6,114 |
| Tier 1 risk-based capital ratio | 13.9606% | 4,320 |
| Total risk-based capital ratio | 14.9961% | 4,430 |
| Memoranda: | ||
| Average total assets | $212,296,000 | 2,890 |
| Average earning assets | $198,160,800 | 2,847 |
| Average equity | $17,833,400 | 3,442 |
| Average total loans | $136,474,600 | 2,755 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 4,423 |
| Cost of funding earning assets | 0.6828% | 2,078 |
| Net interest margin | 3.2381% | 4,863 |
| Noninterest income to average assets | 0.4985% | 3,814 |
| Noninterest expense to average assets | 3.2783% | 2,123 |
| Loan and lease loss provision to assets | 0.0902% | 3,258 |
| Net operating income to assets | 0.1065% | 6,124 |
| Return on assets (ROA) | 0.2253% | 5,929 |
| Pretax return on assets | 0.3225% | 5,816 |
| Return on Equity (ROE) | 2.6503% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.6503% | 4,736 |
| Net charge-offs to loans | 0.0739% | 3,886 |
| Credit loss provision to net charge-offs | 190.6667% | 1,267 |
| Earnings coverage of net charge-offs (x) | 5.1332% | 3,274 |
| Efficiency ratio | 93.1004% | 783 |
| Assets per employee ($millions) | 4.2317% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 6,159 |
| Loan loss allowance to noncurrent loans | 47.3600% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 1.2061% | 3,236 |
| Noncurrent loans to loans | 1.8133% | 2,481 |
| Net loans and leases to total assets | 63.3348% | 3,105 |
| Net loans and leases to deposits | 83.8549% | 1,893 |
| Net loans and leases to core deposits | 89.1491% | 2,056 |
| Total domestic deposits to total assets | 75.5290% | 6,222 |
| Equity capital to assets | 8.1310% | 6,061 |
| Core capital (leverage) ratio | 8.0061% | 6,216 |
| Tier 1 risk-based capital ratio | 14.3612% | 4,175 |
| Total risk-based capital ratio | 15.3766% | 4,283 |
| Memoranda: | ||
| Average total assets | $211,284,000 | 2,930 |
| Average earning assets | $197,231,750 | 2,880 |
| Average equity | $17,959,750 | 3,464 |
| Average total loans | $135,389,750 | 2,778 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 4,329 |
| Cost of funding earning assets | 0.6978% | 2,078 |
| Net interest margin | 3.2400% | 4,804 |
| Noninterest income to average assets | 0.5044% | 3,801 |
| Noninterest expense to average assets | 3.2559% | 2,201 |
| Loan and lease loss provision to assets | 0.0896% | 3,292 |
| Net operating income to assets | 0.1294% | 6,066 |
| Return on assets (ROA) | 0.2355% | 5,932 |
| Pretax return on assets | 0.3385% | 5,777 |
| Return on Equity (ROE) | 2.7297% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.7297% | 4,577 |
| Net charge-offs to loans | 0.0550% | 3,912 |
| Credit loss provision to net charge-offs | 254.0541% | 986 |
| Earnings coverage of net charge-offs (x) | 7.8378% | 2,495 |
| Efficiency ratio | 92.1727% | 887 |
| Assets per employee ($millions) | 4.1335% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 6,223 |
| Loan loss allowance to noncurrent loans | 85.0616% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.7030% | 4,465 |
| Noncurrent loans to loans | 1.0152% | 3,905 |
| Net loans and leases to total assets | 63.8790% | 2,929 |
| Net loans and leases to deposits | 79.2199% | 2,432 |
| Net loans and leases to core deposits | 83.4032% | 2,641 |
| Total domestic deposits to total assets | 80.6350% | 5,442 |
| Equity capital to assets | 8.3669% | 5,900 |
| Core capital (leverage) ratio | 8.2740% | 5,918 |
| Tier 1 risk-based capital ratio | 14.4845% | 4,106 |
| Total risk-based capital ratio | 15.4966% | 4,213 |
| Memoranda: | ||
| Average total assets | $209,773,670 | 2,957 |
| Average earning assets | $196,048,670 | 2,913 |
| Average equity | $18,097,000 | 3,464 |
| Average total loans | $134,563,000 | 2,792 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 4,295 |
| Cost of funding earning assets | 0.7058% | 2,158 |
| Net interest margin | 3.2453% | 4,742 |
| Noninterest income to average assets | 0.5104% | 3,707 |
| Noninterest expense to average assets | 3.2095% | 2,323 |
| Loan and lease loss provision to assets | 0.0860% | 3,229 |
| Net operating income to assets | 0.1756% | 5,963 |
| Return on assets (ROA) | 0.2600% | 5,821 |
| Pretax return on assets | 0.3785% | 5,628 |
| Return on Equity (ROE) | 2.9684% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.9684% | 4,500 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3660% | 1,112 |
| Assets per employee ($millions) | 4.0646% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,317 |
| Loan loss allowance to noncurrent loans | 86.9663% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 4,764 |
| Noncurrent loans to loans | 1.0042% | 4,122 |
| Net loans and leases to total assets | 63.5732% | 2,793 |
| Net loans and leases to deposits | 79.9219% | 2,085 |
| Net loans and leases to core deposits | 84.1533% | 2,302 |
| Total domestic deposits to total assets | 79.5441% | 5,860 |
| Equity capital to assets | 8.8540% | 5,660 |
| Core capital (leverage) ratio | 8.5352% | 5,541 |
| Tier 1 risk-based capital ratio | 15.4085% | 3,587 |
| Total risk-based capital ratio | 16.4481% | 3,658 |
| Memoranda: | ||
| Average total assets | $209,256,500 | 2,987 |
| Average earning assets | $196,097,000 | 2,944 |
| Average equity | $18,326,500 | 3,480 |
| Average total loans | $133,927,000 | 2,821 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 4,157 |
| Cost of funding earning assets | 0.9442% | 1,673 |
| Net interest margin | 3.3651% | 5,020 |
| Noninterest income to average assets | 0.5480% | 3,601 |
| Noninterest expense to average assets | 3.1947% | 2,630 |
| Loan and lease loss provision to assets | 0.0989% | 4,405 |
| Net operating income to assets | 0.2609% | 5,598 |
| Return on assets (ROA) | 0.3178% | 5,616 |
| Pretax return on assets | 0.4819% | 5,334 |
| Return on Equity (ROE) | 3.7181% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.7181% | 3,599 |
| Net charge-offs to loans | 0.0500% | 5,215 |
| Credit loss provision to net charge-offs | 320.0000% | 762 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,611 |
| Efficiency ratio | 86.5910% | 1,370 |
| Assets per employee ($millions) | 4.1415% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 6,432 |
| Loan loss allowance to noncurrent loans | 75.1515% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7031% | 4,728 |
| Noncurrent loans to loans | 1.1007% | 4,003 |
| Net loans and leases to total assets | 63.3436% | 3,002 |
| Net loans and leases to deposits | 79.7075% | 2,328 |
| Net loans and leases to core deposits | 84.0720% | 2,540 |
| Total domestic deposits to total assets | 79.4700% | 5,791 |
| Equity capital to assets | 8.6636% | 5,890 |
| Core capital (leverage) ratio | 8.3702% | 5,798 |
| Tier 1 risk-based capital ratio | 15.1131% | 3,665 |
| Total risk-based capital ratio | 16.1290% | 3,739 |
| Memoranda: | ||
| Average total assets | $210,222,200 | 2,921 |
| Average earning assets | $196,250,800 | 2,879 |
| Average equity | $17,966,200 | 3,471 |
| Average total loans | $130,095,600 | 2,885 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 4,174 |
| Cost of funding earning assets | 1.0065% | 1,518 |
| Net interest margin | 3.3614% | 5,177 |
| Noninterest income to average assets | 0.5315% | 3,734 |
| Noninterest expense to average assets | 3.2441% | 2,441 |
| Loan and lease loss provision to assets | 0.0775% | 4,670 |
| Net operating income to assets | 0.2345% | 5,827 |
| Return on assets (ROA) | 0.2794% | 5,882 |
| Pretax return on assets | 0.4102% | 5,694 |
| Return on Equity (ROE) | 3.2805% | 5,582 |
| Retained earnings to average equity (ytd only) | 3.2805% | 4,565 |
| Net charge-offs to loans | 0.0600% | 4,824 |
| Credit loss provision to net charge-offs | 210.3448% | 1,313 |
| Earnings coverage of net charge-offs (x) | 11.4485% | 2,077 |
| Efficiency ratio | 88.4982% | 1,148 |
| Assets per employee ($millions) | 4.0944% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7807% | 6,638 |
| Loan loss allowance to noncurrent loans | 75.9151% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 5,012 |
| Noncurrent loans to loans | 1.0283% | 4,395 |
| Net loans and leases to total assets | 64.3817% | 2,957 |
| Net loans and leases to deposits | 82.1512% | 2,099 |
| Net loans and leases to core deposits | 86.6137% | 2,387 |
| Total domestic deposits to total assets | 78.3698% | 5,999 |
| Equity capital to assets | 8.8864% | 5,935 |
| Core capital (leverage) ratio | 8.2824% | 6,045 |
| Tier 1 risk-based capital ratio | 15.0922% | 3,781 |
| Total risk-based capital ratio | 16.0471% | 3,939 |
| Memoranda: | ||
| Average total assets | $209,973,250 | 2,962 |
| Average earning assets | $195,784,000 | 2,914 |
| Average equity | $17,883,000 | 3,522 |
| Average total loans | $128,892,250 | 2,941 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 4,183 |
| Cost of funding earning assets | 1.0497% | 1,472 |
| Net interest margin | 3.3511% | 5,272 |
| Noninterest income to average assets | 0.4884% | 3,999 |
| Noninterest expense to average assets | 3.1853% | 2,643 |
| Loan and lease loss provision to assets | 0.0605% | 4,897 |
| Net operating income to assets | 0.2473% | 5,771 |
| Return on assets (ROA) | 0.2635% | 5,914 |
| Pretax return on assets | 0.3845% | 5,741 |
| Return on Equity (ROE) | 3.1384% | 5,636 |
| Retained earnings to average equity (ytd only) | 3.1384% | 4,537 |
| Net charge-offs to loans | 0.0878% | 4,274 |
| Credit loss provision to net charge-offs | 114.2857% | 2,388 |
| Earnings coverage of net charge-offs (x) | 7.9643% | 2,382 |
| Efficiency ratio | 88.3185% | 1,207 |
| Assets per employee ($millions) | 4.2518% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 6,749 |
| Loan loss allowance to noncurrent loans | 91.2558% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 5,344 |
| Noncurrent loans to loans | 0.8307% | 4,857 |
| Net loans and leases to total assets | 60.4139% | 3,751 |
| Net loans and leases to deposits | 78.4363% | 2,606 |
| Net loans and leases to core deposits | 82.7725% | 2,860 |
| Total domestic deposits to total assets | 77.0229% | 6,320 |
| Equity capital to assets | 8.4656% | 6,244 |
| Core capital (leverage) ratio | 8.1218% | 6,135 |
| Tier 1 risk-based capital ratio | 15.1103% | 3,695 |
| Total risk-based capital ratio | 16.0117% | 3,886 |
| Memoranda: | ||
| Average total assets | $211,725,000 | 2,952 |
| Average earning assets | $197,007,670 | 2,911 |
| Average equity | $17,780,000 | 3,528 |
| Average total loans | $127,577,000 | 2,972 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4508% | 4,113 |
| Cost of funding earning assets | 1.1351% | 1,238 |
| Net interest margin | 3.3156% | 5,416 |
| Noninterest income to average assets | 0.4543% | 4,267 |
| Noninterest expense to average assets | 3.1918% | 2,630 |
| Loan and lease loss provision to assets | 0.0549% | 4,718 |
| Net operating income to assets | 0.2002% | 5,986 |
| Return on assets (ROA) | 0.2329% | 6,028 |
| Pretax return on assets | 0.3351% | 5,893 |
| Return on Equity (ROE) | 2.7841% | 5,793 |
| Retained earnings to average equity (ytd only) | 2.7841% | 4,864 |
| Net charge-offs to loans | -0.0032% | 5,746 |
| Credit loss provision to net charge-offs | -2,900.0000% | 6,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3053% | 1,070 |
| Assets per employee ($millions) | 4.2688% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7863% | 6,766 |
| Loan loss allowance to noncurrent loans | 119.2628% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 5,700 |
| Noncurrent loans to loans | 0.6593% | 5,325 |
| Net loans and leases to total assets | 60.5009% | 3,556 |
| Net loans and leases to deposits | 79.0420% | 2,338 |
| Net loans and leases to core deposits | 83.6347% | 2,592 |
| Total domestic deposits to total assets | 76.5427% | 6,487 |
| Equity capital to assets | 8.4753% | 6,104 |
| Core capital (leverage) ratio | 7.9909% | 6,271 |
| Tier 1 risk-based capital ratio | 15.0959% | 3,697 |
| Total risk-based capital ratio | 16.0581% | 3,848 |
| Memoranda: | ||
| Average total assets | $211,292,500 | 2,976 |
| Average earning assets | $196,281,500 | 2,941 |
| Average equity | $17,671,500 | 3,548 |
| Average total loans | $126,658,000 | 3,010 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 5,009 |
| Cost of funding earning assets | 1.3097% | 1,435 |
| Net interest margin | 3.2063% | 6,074 |
| Noninterest income to average assets | 0.4537% | 4,189 |
| Noninterest expense to average assets | 3.0912% | 3,228 |
| Loan and lease loss provision to assets | 0.0158% | 6,357 |
| Net operating income to assets | 0.2240% | 5,511 |
| Return on assets (ROA) | 0.2995% | 5,408 |
| Pretax return on assets | 0.4314% | 5,200 |
| Return on Equity (ROE) | 3.7508% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.7508% | 3,551 |
| Net charge-offs to loans | 0.0612% | 5,684 |
| Credit loss provision to net charge-offs | 45.3333% | 5,526 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,946 |
| Efficiency ratio | 90.1508% | 1,179 |
| Assets per employee ($millions) | 4.2683% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 6,798 |
| Loan loss allowance to noncurrent loans | 135.3760% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4414% | 5,859 |
| Noncurrent loans to loans | 0.5709% | 5,569 |
| Net loans and leases to total assets | 58.4735% | 4,287 |
| Net loans and leases to deposits | 80.2070% | 2,485 |
| Net loans and leases to core deposits | 84.6028% | 2,801 |
| Total domestic deposits to total assets | 72.9032% | 6,818 |
| Equity capital to assets | 8.2539% | 6,385 |
| Core capital (leverage) ratio | 8.1526% | 6,068 |
| Tier 1 risk-based capital ratio | 15.1155% | 3,570 |
| Total risk-based capital ratio | 16.0373% | 3,747 |
| Memoranda: | ||
| Average total assets | $214,672,800 | 2,896 |
| Average earning assets | $199,203,600 | 2,868 |
| Average equity | $17,142,800 | 3,556 |
| Average total loans | $122,450,600 | 3,133 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 5,146 |
| Cost of funding earning assets | 1.3292% | 1,554 |
| Net interest margin | 3.2055% | 6,149 |
| Noninterest income to average assets | 0.4279% | 4,451 |
| Noninterest expense to average assets | 3.1548% | 2,978 |
| Loan and lease loss provision to assets | 0.0211% | 6,177 |
| Net operating income to assets | 0.1602% | 5,799 |
| Return on assets (ROA) | 0.2475% | 5,721 |
| Pretax return on assets | 0.3529% | 5,594 |
| Return on Equity (ROE) | 3.1248% | 5,366 |
| Retained earnings to average equity (ytd only) | 3.1248% | 4,465 |
| Net charge-offs to loans | 0.0055% | 6,102 |
| Credit loss provision to net charge-offs | 680.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 80.3583% | 440 |
| Efficiency ratio | 92.6763% | 985 |
| Assets per employee ($millions) | 4.1277% | 3,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8435% | 6,732 |
| Loan loss allowance to noncurrent loans | 131.5259% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 6,116 |
| Noncurrent loans to loans | 0.6413% | 5,608 |
| Net loans and leases to total assets | 59.4087% | 4,254 |
| Net loans and leases to deposits | 82.7116% | 2,223 |
| Net loans and leases to core deposits | 87.3154% | 2,586 |
| Total domestic deposits to total assets | 71.8263% | 6,945 |
| Equity capital to assets | 8.4333% | 6,366 |
| Core capital (leverage) ratio | 8.0397% | 6,357 |
| Tier 1 risk-based capital ratio | 15.1132% | 3,600 |
| Total risk-based capital ratio | 16.1270% | 3,709 |
| Memoranda: | ||
| Average total assets | $214,987,750 | 2,902 |
| Average earning assets | $199,611,500 | 2,868 |
| Average equity | $17,024,750 | 3,580 |
| Average total loans | $121,622,750 | 3,172 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 5,328 |
| Cost of funding earning assets | 1.3424% | 1,687 |
| Net interest margin | 3.1653% | 6,248 |
| Noninterest income to average assets | 0.4452% | 4,314 |
| Noninterest expense to average assets | 3.1544% | 3,068 |
| Loan and lease loss provision to assets | 0.0275% | 5,964 |
| Net operating income to assets | 0.1420% | 5,905 |
| Return on assets (ROA) | 0.2240% | 5,770 |
| Pretax return on assets | 0.3103% | 5,649 |
| Return on Equity (ROE) | 2.8879% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.8879% | 4,448 |
| Net charge-offs to loans | -0.0017% | 6,524 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3696% | 1,018 |
| Assets per employee ($millions) | 4.2813% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 6,777 |
| Loan loss allowance to noncurrent loans | 130.2993% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 4,442 |
| Noncurrent loans to loans | 0.6509% | 5,619 |
| Net loans and leases to total assets | 57.0717% | 4,810 |
| Net loans and leases to deposits | 78.1808% | 3,095 |
| Net loans and leases to core deposits | 82.0687% | 3,491 |
| Total domestic deposits to total assets | 72.9997% | 6,923 |
| Equity capital to assets | 7.9836% | 6,693 |
| Core capital (leverage) ratio | 7.6903% | 6,593 |
| Tier 1 risk-based capital ratio | 14.4273% | 3,845 |
| Total risk-based capital ratio | 15.4059% | 4,027 |
| Memoranda: | ||
| Average total assets | $217,855,670 | 2,878 |
| Average earning assets | $201,877,330 | 2,849 |
| Average equity | $16,898,000 | 3,592 |
| Average total loans | $120,946,000 | 3,207 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4531% | 5,505 |
| Cost of funding earning assets | 1.3702% | 1,766 |
| Net interest margin | 3.0829% | 6,390 |
| Noninterest income to average assets | 0.4296% | 4,454 |
| Noninterest expense to average assets | 3.1253% | 3,155 |
| Loan and lease loss provision to assets | 0.0546% | 5,322 |
| Net operating income to assets | 0.0883% | 6,127 |
| Return on assets (ROA) | 0.1784% | 5,909 |
| Pretax return on assets | 0.2366% | 5,848 |
| Return on Equity (ROE) | 2.3331% | 5,666 |
| Retained earnings to average equity (ytd only) | 2.3331% | 4,747 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8095% | 993 |
| Assets per employee ($millions) | 4.3563% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 6,792 |
| Loan loss allowance to noncurrent loans | 128.4483% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.2107% | 4,529 |
| Noncurrent loans to loans | 0.6733% | 5,682 |
| Net loans and leases to total assets | 54.8902% | 5,182 |
| Net loans and leases to deposits | 78.0629% | 3,050 |
| Net loans and leases to core deposits | 82.2270% | 3,429 |
| Total domestic deposits to total assets | 70.3154% | 7,166 |
| Equity capital to assets | 7.7135% | 6,739 |
| Core capital (leverage) ratio | 7.3918% | 6,796 |
| Tier 1 risk-based capital ratio | 14.3520% | 3,834 |
| Total risk-based capital ratio | 15.3362% | 3,992 |
| Memoranda: | ||
| Average total assets | $219,751,500 | 2,885 |
| Average earning assets | $204,352,500 | 2,845 |
| Average equity | $16,802,000 | 3,592 |
| Average total loans | $119,811,500 | 3,260 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 5,689 |
| Cost of funding earning assets | 1.5734% | 2,223 |
| Net interest margin | 3.1569% | 6,371 |
| Noninterest income to average assets | 0.2876% | 5,727 |
| Noninterest expense to average assets | 3.1053% | 3,435 |
| Loan and lease loss provision to assets | 0.0562% | 6,581 |
| Net operating income to assets | 0.0590% | 5,678 |
| Return on assets (ROA) | 0.1333% | 5,642 |
| Pretax return on assets | 0.1292% | 5,646 |
| Return on Equity (ROE) | 1.6846% | 5,500 |
| Retained earnings to average equity (ytd only) | 1.6846% | 4,674 |
| Net charge-offs to loans | 0.0228% | 6,583 |
| Credit loss provision to net charge-offs | 448.1481% | 512 |
| Earnings coverage of net charge-offs (x) | 8.8519% | 1,912 |
| Efficiency ratio | 96.5477% | 941 |
| Assets per employee ($millions) | 4.5243% | 2,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 6,847 |
| Loan loss allowance to noncurrent loans | 124.2647% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1913% | 4,633 |
| Noncurrent loans to loans | 0.6856% | 5,675 |
| Net loans and leases to total assets | 53.2311% | 5,750 |
| Net loans and leases to deposits | 75.4590% | 3,928 |
| Net loans and leases to core deposits | 79.4619% | 4,287 |
| Total domestic deposits to total assets | 70.5431% | 7,205 |
| Equity capital to assets | 7.5795% | 6,833 |
| Core capital (leverage) ratio | 7.2767% | 6,858 |
| Tier 1 risk-based capital ratio | 14.2688% | 3,699 |
| Total risk-based capital ratio | 15.2297% | 3,853 |
| Memoranda: | ||
| Average total assets | $215,242,800 | 2,922 |
| Average earning assets | $199,688,800 | 2,883 |
| Average equity | $17,036,800 | 3,585 |
| Average total loans | $118,272,400 | 3,351 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 5,617 |
| Cost of funding earning assets | 1.5962% | 2,408 |
| Net interest margin | 3.2132% | 6,298 |
| Noninterest income to average assets | 0.5349% | 3,908 |
| Noninterest expense to average assets | 3.0713% | 3,472 |
| Loan and lease loss provision to assets | 0.0568% | 6,500 |
| Net operating income to assets | 0.2819% | 5,236 |
| Return on assets (ROA) | 0.2933% | 5,363 |
| Pretax return on assets | 0.4001% | 5,217 |
| Return on Equity (ROE) | 3.6656% | 4,928 |
| Retained earnings to average equity (ytd only) | 3.6656% | 3,874 |
| Net charge-offs to loans | 0.0124% | 6,492 |
| Credit loss provision to net charge-offs | 827.2727% | 363 |
| Earnings coverage of net charge-offs (x) | 64.2563% | 467 |
| Efficiency ratio | 87.4378% | 1,499 |
| Assets per employee ($millions) | 4.2959% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 6,919 |
| Loan loss allowance to noncurrent loans | 89.8473% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.5692% | 4,087 |
| Noncurrent loans to loans | 0.9345% | 5,361 |
| Net loans and leases to total assets | 53.9020% | 5,864 |
| Net loans and leases to deposits | 77.7877% | 3,866 |
| Net loans and leases to core deposits | 81.8104% | 4,271 |
| Total domestic deposits to total assets | 69.2937% | 7,313 |
| Equity capital to assets | 7.9159% | 6,860 |
| Core capital (leverage) ratio | 7.8478% | 6,520 |
| Tier 1 risk-based capital ratio | 14.8075% | 3,338 |
| Total risk-based capital ratio | 15.7592% | 3,477 |
| Memoranda: | ||
| Average total assets | $213,631,000 | 2,995 |
| Average earning assets | $197,971,000 | 2,949 |
| Average equity | $17,095,250 | 3,623 |
| Average total loans | $118,085,000 | 3,401 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 5,379 |
| Cost of funding earning assets | 1.6191% | 2,549 |
| Net interest margin | 3.2821% | 6,074 |
| Noninterest income to average assets | 0.5127% | 4,009 |
| Noninterest expense to average assets | 3.0527% | 3,511 |
| Loan and lease loss provision to assets | 0.0567% | 6,390 |
| Net operating income to assets | 0.3192% | 5,105 |
| Return on assets (ROA) | 0.3361% | 5,197 |
| Pretax return on assets | 0.4683% | 5,009 |
| Return on Equity (ROE) | 4.1851% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.1851% | 3,408 |
| Net charge-offs to loans | 0.0068% | 6,267 |
| Credit loss provision to net charge-offs | 1,500.0000% | 263 |
| Earnings coverage of net charge-offs (x) | 132.7500% | 254 |
| Efficiency ratio | 85.8927% | 1,722 |
| Assets per employee ($millions) | 4.3235% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 6,956 |
| Loan loss allowance to noncurrent loans | 84.1379% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.6450% | 3,966 |
| Noncurrent loans to loans | 0.9897% | 5,323 |
| Net loans and leases to total assets | 54.8624% | 5,864 |
| Net loans and leases to deposits | 78.5975% | 3,871 |
| Net loans and leases to core deposits | 81.9919% | 4,418 |
| Total domestic deposits to total assets | 69.8017% | 7,339 |
| Equity capital to assets | 8.1723% | 6,577 |
| Core capital (leverage) ratio | 7.8435% | 6,447 |
| Tier 1 risk-based capital ratio | 14.6674% | 3,344 |
| Total risk-based capital ratio | 15.5996% | 3,484 |
| Memoranda: | ||
| Average total assets | $211,810,670 | 3,036 |
| Average earning assets | $196,279,330 | 2,998 |
| Average equity | $17,012,670 | 3,630 |
| Average total loans | $117,748,330 | 3,436 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 4,906 |
| Cost of funding earning assets | 1.6493% | 2,656 |
| Net interest margin | 3.3762% | 5,685 |
| Noninterest income to average assets | 0.5024% | 4,034 |
| Noninterest expense to average assets | 3.0974% | 3,274 |
| Loan and lease loss provision to assets | 0.0567% | 6,090 |
| Net operating income to assets | 0.3645% | 5,000 |
| Return on assets (ROA) | 0.3645% | 5,124 |
| Pretax return on assets | 0.4722% | 5,053 |
| Return on Equity (ROE) | 4.5782% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.5782% | 3,399 |
| Net charge-offs to loans | -0.0034% | 6,784 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4167% | 1,862 |
| Assets per employee ($millions) | 4.3857% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 7,103 |
| Loan loss allowance to noncurrent loans | 186.1057% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3472% | 4,498 |
| Noncurrent loans to loans | 0.4353% | 6,429 |
| Net loans and leases to total assets | 55.3115% | 5,843 |
| Net loans and leases to deposits | 79.6791% | 3,713 |
| Net loans and leases to core deposits | 83.1291% | 4,322 |
| Total domestic deposits to total assets | 69.4179% | 7,446 |
| Equity capital to assets | 8.0669% | 6,584 |
| Core capital (leverage) ratio | 7.7442% | 6,575 |
| Tier 1 risk-based capital ratio | 14.3158% | 3,481 |
| Total risk-based capital ratio | 15.2091% | 3,646 |
| Memoranda: | ||
| Average total assets | $211,791,000 | 3,083 |
| Average earning assets | $195,958,500 | 3,047 |
| Average equity | $16,862,500 | 3,681 |
| Average total loans | $118,021,500 | 3,496 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2084% | 5,614 |
| Cost of funding earning assets | 1.9998% | 2,968 |
| Net interest margin | 3.2086% | 6,063 |
| Noninterest income to average assets | 0.5802% | 3,786 |
| Noninterest expense to average assets | 3.1348% | 3,597 |
| Loan and lease loss provision to assets | 0.0716% | 6,863 |
| Net operating income to assets | 0.3078% | 4,505 |
| Return on assets (ROA) | 0.3125% | 4,574 |
| Pretax return on assets | 0.3771% | 4,560 |
| Return on Equity (ROE) | 4.0383% | 4,079 |
| Retained earnings to average equity (ytd only) | 4.0383% | 2,391 |
| Net charge-offs to loans | 0.1316% | 5,885 |
| Credit loss provision to net charge-offs | 95.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | 5.8750% | 2,480 |
| Efficiency ratio | 87.6169% | 1,919 |
| Assets per employee ($millions) | 4.5333% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 7,198 |
| Loan loss allowance to noncurrent loans | 114.0025% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 1.4700% | 4,189 |
| Noncurrent loans to loans | 0.6801% | 5,878 |
| Net loans and leases to total assets | 55.2563% | 6,053 |
| Net loans and leases to deposits | 81.0348% | 3,791 |
| Net loans and leases to core deposits | 95.7264% | 4,491 |
| Total domestic deposits to total assets | 68.1884% | 7,532 |
| Equity capital to assets | 7.8581% | 6,711 |
| Core capital (leverage) ratio | 7.7002% | 6,555 |
| Tier 1 risk-based capital ratio | 14.0358% | 3,480 |
| Total risk-based capital ratio | 14.8867% | 3,670 |
| Memoranda: | ||
| Average total assets | $212,164,000 | 3,038 |
| Average earning assets | $198,216,600 | 2,993 |
| Average equity | $16,417,600 | 3,798 |
| Average total loans | $121,584,400 | 3,451 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 5,714 |
| Cost of funding earning assets | 2.0609% | 3,070 |
| Net interest margin | 3.1818% | 6,082 |
| Noninterest income to average assets | 0.5624% | 3,992 |
| Noninterest expense to average assets | 3.1241% | 3,563 |
| Loan and lease loss provision to assets | 0.0491% | 6,879 |
| Net operating income to assets | 0.3067% | 4,770 |
| Return on assets (ROA) | 0.3083% | 4,871 |
| Pretax return on assets | 0.3699% | 4,878 |
| Return on Equity (ROE) | 3.9992% | 4,373 |
| Retained earnings to average equity (ytd only) | 3.9992% | 3,042 |
| Net charge-offs to loans | 0.0033% | 6,942 |
| Credit loss provision to net charge-offs | 2,600.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 220.9950% | 176 |
| Efficiency ratio | 88.2217% | 1,852 |
| Assets per employee ($millions) | 4.1458% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,940 |
| Loan loss allowance to noncurrent loans | 132.1900% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 4,072 |
| Noncurrent loans to loans | 0.6452% | 6,008 |
| Net loans and leases to total assets | 55.0890% | 6,258 |
| Net loans and leases to deposits | 80.0438% | 4,379 |
| Net loans and leases to core deposits | 97.1411% | 4,688 |
| Total domestic deposits to total assets | 68.8235% | 7,503 |
| Equity capital to assets | 7.9130% | 6,929 |
| Core capital (leverage) ratio | 7.6331% | 6,823 |
| Tier 1 risk-based capital ratio | 14.1562% | 3,467 |
| Total risk-based capital ratio | 15.1026% | 3,576 |
| Memoranda: | ||
| Average total assets | $211,938,250 | 3,067 |
| Average earning assets | $198,417,250 | 3,006 |
| Average equity | $16,336,250 | 3,846 |
| Average total loans | $122,317,250 | 3,465 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2668% | 5,804 |
| Cost of funding earning assets | 2.0975% | 3,281 |
| Net interest margin | 3.1693% | 6,022 |
| Noninterest income to average assets | 0.5469% | 4,056 |
| Noninterest expense to average assets | 3.0598% | 3,842 |
| Loan and lease loss provision to assets | 0.0500% | 6,731 |
| Net operating income to assets | 0.3385% | 4,723 |
| Return on assets (ROA) | 0.3385% | 4,837 |
| Pretax return on assets | 0.4177% | 4,887 |
| Return on Equity (ROE) | 4.4308% | 4,327 |
| Retained earnings to average equity (ytd only) | 4.4308% | 2,830 |
| Net charge-offs to loans | 0.0032% | 6,579 |
| Credit loss provision to net charge-offs | 2,650.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 163 |
| Efficiency ratio | 86.7415% | 2,152 |
| Assets per employee ($millions) | 4.4915% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 7,167 |
| Loan loss allowance to noncurrent loans | 31.9726% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 1.4203% | 4,121 |
| Noncurrent loans to loans | 2.4900% | 2,911 |
| Net loans and leases to total assets | 56.5842% | 6,142 |
| Net loans and leases to deposits | 80.0450% | 4,540 |
| Net loans and leases to core deposits | 95.8860% | 4,913 |
| Total domestic deposits to total assets | 70.6905% | 7,407 |
| Equity capital to assets | 7.5782% | 7,201 |
| Core capital (leverage) ratio | 7.5351% | 6,979 |
| Tier 1 risk-based capital ratio | 13.7732% | 3,637 |
| Total risk-based capital ratio | 14.6813% | 3,796 |
| Memoranda: | ||
| Average total assets | $212,105,000 | 3,085 |
| Average earning assets | $199,477,670 | 3,009 |
| Average equity | $16,204,670 | 3,882 |
| Average total loans | $123,929,330 | 3,456 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3214% | 5,803 |
| Cost of funding earning assets | 2.1443% | 3,443 |
| Net interest margin | 3.1771% | 5,934 |
| Noninterest income to average assets | 0.4849% | 4,460 |
| Noninterest expense to average assets | 3.0139% | 3,703 |
| Loan and lease loss provision to assets | 0.0513% | 6,316 |
| Net operating income to assets | 0.3328% | 5,148 |
| Return on assets (ROA) | 0.3328% | 5,337 |
| Pretax return on assets | 0.4088% | 5,368 |
| Return on Equity (ROE) | 4.3376% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.3376% | 3,501 |
| Net charge-offs to loans | 0.0096% | 5,514 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 80.6667% | 520 |
| Efficiency ratio | 86.7542% | 1,988 |
| Assets per employee ($millions) | 4.4976% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 7,267 |
| Loan loss allowance to noncurrent loans | 32.8276% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 1.3719% | 3,909 |
| Noncurrent loans to loans | 2.3311% | 2,823 |
| Net loans and leases to total assets | 58.4021% | 5,877 |
| Net loans and leases to deposits | 83.8028% | 4,016 |
| Net loans and leases to core deposits | 100.4532% | 4,498 |
| Total domestic deposits to total assets | 69.6899% | 7,453 |
| Equity capital to assets | 7.6930% | 7,186 |
| Core capital (leverage) ratio | 7.5187% | 7,143 |
| Tier 1 risk-based capital ratio | 13.6919% | 3,744 |
| Total risk-based capital ratio | 14.5878% | 3,885 |
| Memoranda: | ||
| Average total assets | $210,361,500 | 3,112 |
| Average earning assets | $197,917,500 | 3,044 |
| Average equity | $16,138,000 | 3,918 |
| Average total loans | $124,409,000 | 3,478 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5757% | 7,142 |
| Cost of funding earning assets | 2.5151% | 4,119 |
| Net interest margin | 3.0606% | 6,763 |
| Noninterest income to average assets | 0.5443% | 4,275 |
| Noninterest expense to average assets | 2.8966% | 4,461 |
| Loan and lease loss provision to assets | 0.0395% | 6,922 |
| Net operating income to assets | 0.3902% | 5,189 |
| Return on assets (ROA) | 0.3942% | 4,989 |
| Pretax return on assets | 0.4815% | 5,029 |
| Return on Equity (ROE) | 5.3043% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.2584% | 1,880 |
| Net charge-offs to loans | 0.0048% | 6,914 |
| Credit loss provision to net charge-offs | 1,350.0000% | 333 |
| Earnings coverage of net charge-offs (x) | 176.5000% | 260 |
| Efficiency ratio | 84.8779% | 1,968 |
| Assets per employee ($millions) | 4.3611% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.8653% | 4,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 7,310 |
| Loan loss allowance to noncurrent loans | 35.9581% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 1.2315% | 3,761 |
| Noncurrent loans to loans | 2.0722% | 2,665 |
| Net loans and leases to total assets | 58.9887% | 6,059 |
| Net loans and leases to deposits | 85.4348% | 4,188 |
| Net loans and leases to core deposits | 100.8280% | 4,744 |
| Total domestic deposits to total assets | 69.0453% | 7,381 |
| Equity capital to assets | 7.6499% | 7,259 |
| Core capital (leverage) ratio | 7.5273% | 7,177 |
| Tier 1 risk-based capital ratio | 13.5763% | 3,773 |
| Total risk-based capital ratio | 14.4639% | 3,900 |
| Memoranda: | ||
| Average total assets | $205,208,800 | 3,066 |
| Average earning assets | $192,317,200 | 3,004 |
| Average equity | $15,251,800 | 4,088 |
| Average total loans | $123,925,200 | 3,383 |