Home > Mid-Southern Savings Bank, FSB > Performance and Condition Ratios
Mid-Southern Savings Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,570 |
| Cost of funding earning assets | 1.1828% | 2,847 |
| Net interest margin | 3.0491% | 3,180 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.4917% | 2,320 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.8069% | 2,848 |
| Return on assets (ROA) | 0.7975% | 2,860 |
| Pretax return on assets | 0.8597% | 3,070 |
| Return on Equity (ROE) | 6.6700% | 3,373 |
| Retained earnings to average equity (ytd only) | 0.0282% | 4,038 |
| Net charge-offs to loans | 0.0068% | 2,427 |
| Credit loss provision to net charge-offs | -550.0000% | 4,542 |
| Earnings coverage of net charge-offs (x) | 220.2000% | 554 |
| Efficiency ratio | 75.1299% | 1,337 |
| Assets per employee ($millions) | 5.8395% | 2,955 |
| Cash dividends to net income (ytd only)* | 99.5773% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,092 |
| Loan loss allowance to noncurrent loans | 369.3739% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,124 |
| Noncurrent loans to loans | 0.4027% | 1,779 |
| Net loans and leases to total assets | 53.8300% | 3,362 |
| Net loans and leases to deposits | 70.6871% | 2,839 |
| Net loans and leases to core deposits | 77.1438% | 2,905 |
| Total domestic deposits to total assets | 76.1500% | 3,931 |
| Equity capital to assets | 12.5324% | 984 |
| Core capital (leverage) ratio | 15.4105% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $266,963,800 | 2,584 |
| Average earning assets | $252,957,800 | 2,550 |
| Average equity | $31,920,600 | 2,189 |
| Average total loans | $147,201,800 | 2,693 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 3,547 |
| Cost of funding earning assets | 1.1300% | 2,659 |
| Net interest margin | 3.0259% | 3,289 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.4940% | 2,248 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.7926% | 3,042 |
| Return on assets (ROA) | 0.7798% | 3,076 |
| Pretax return on assets | 0.8238% | 3,281 |
| Return on Equity (ROE) | 6.6000% | 3,524 |
| Retained earnings to average equity (ytd only) | 0.1652% | 4,083 |
| Net charge-offs to loans | -0.0136% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.7866% | 1,195 |
| Assets per employee ($millions) | 6.0299% | 2,729 |
| Cash dividends to net income (ytd only)* | 97.4984% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 978 |
| Loan loss allowance to noncurrent loans | 337.8215% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 1,939 |
| Noncurrent loans to loans | 0.4598% | 1,673 |
| Net loans and leases to total assets | 53.3400% | 3,405 |
| Net loans and leases to deposits | 68.6459% | 2,930 |
| Net loans and leases to core deposits | 74.3358% | 2,976 |
| Total domestic deposits to total assets | 77.7100% | 3,853 |
| Equity capital to assets | 10.9258% | 1,376 |
| Core capital (leverage) ratio | 15.4690% | 560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $266,551,000 | 2,595 |
| Average earning assets | $252,263,750 | 2,562 |
| Average equity | $31,484,750 | 2,191 |
| Average total loans | $147,309,250 | 2,704 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 3,545 |
| Cost of funding earning assets | 1.0565% | 2,427 |
| Net interest margin | 3.0152% | 3,390 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.4955% | 2,219 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.7334% | 3,263 |
| Return on assets (ROA) | 0.7140% | 3,314 |
| Pretax return on assets | 0.7462% | 3,510 |
| Return on Equity (ROE) | 5.9000% | 3,715 |
| Retained earnings to average equity (ytd only) | -0.2909% | 4,139 |
| Net charge-offs to loans | -0.0215% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 75.8597% | 1,185 |
| Assets per employee ($millions) | 5.9107% | 2,787 |
| Cash dividends to net income (ytd only)* | 104.9318% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,028 |
| Loan loss allowance to noncurrent loans | 255.0931% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 1,542 |
| Noncurrent loans to loans | 0.6091% | 1,225 |
| Net loans and leases to total assets | 55.4800% | 3,154 |
| Net loans and leases to deposits | 72.2320% | 2,635 |
| Net loans and leases to core deposits | 78.2880% | 2,590 |
| Total domestic deposits to total assets | 76.8000% | 3,973 |
| Equity capital to assets | 12.0633% | 1,030 |
| Core capital (leverage) ratio | 15.5565% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $266,962,333 | 2,600 |
| Average earning assets | $252,718,667 | 2,567 |
| Average equity | $32,317,000 | 2,176 |
| Average total loans | $148,492,000 | 2,688 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 3,514 |
| Cost of funding earning assets | 1.0089% | 2,015 |
| Net interest margin | 2.9588% | 3,678 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.4677% | 2,331 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.6715% | 3,526 |
| Return on assets (ROA) | 0.6311% | 3,588 |
| Pretax return on assets | 0.6222% | 3,807 |
| Return on Equity (ROE) | 5.2000% | 3,858 |
| Retained earnings to average equity (ytd only) | -1.9487% | 4,203 |
| Net charge-offs to loans | 0.0081% | 1,644 |
| Credit loss provision to net charge-offs | 2,600.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 165.0000% | 578 |
| Efficiency ratio | 76.9231% | 1,087 |
| Assets per employee ($millions) | 5.9122% | 2,827 |
| Cash dividends to net income (ytd only)* | 137.4408% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5543% | 1,105 |
| Loan loss allowance to noncurrent loans | 379.7386% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 1,936 |
| Noncurrent loans to loans | 0.4093% | 1,706 |
| Net loans and leases to total assets | 55.3300% | 3,085 |
| Net loans and leases to deposits | 71.1208% | 2,533 |
| Net loans and leases to core deposits | 76.4585% | 2,493 |
| Total domestic deposits to total assets | 77.7900% | 4,020 |
| Equity capital to assets | 12.4323% | 888 |
| Core capital (leverage) ratio | 15.3308% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $267,453,500 | 2,634 |
| Average earning assets | $253,346,500 | 2,593 |
| Average equity | $32,432,500 | 2,193 |
| Average total loans | $147,796,500 | 2,724 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 2,843 |
| Cost of funding earning assets | 0.4518% | 1,712 |
| Net interest margin | 3.1324% | 3,079 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.3756% | 2,490 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8879% | 3,013 |
| Return on assets (ROA) | 0.8879% | 2,957 |
| Pretax return on assets | 0.9765% | 3,142 |
| Return on Equity (ROE) | 6.6300% | 3,706 |
| Retained earnings to average equity (ytd only) | 2.5949% | 3,821 |
| Net charge-offs to loans | -0.0249% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.8012% | 1,713 |
| Assets per employee ($millions) | 6.2525% | 2,555 |
| Cash dividends to net income (ytd only)* | 60.8733% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 2,598 |
| Loan loss allowance to noncurrent loans | 229.2683% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 1,782 |
| Noncurrent loans to loans | 0.5052% | 1,440 |
| Net loans and leases to total assets | 53.7000% | 3,229 |
| Net loans and leases to deposits | 69.7039% | 2,605 |
| Net loans and leases to core deposits | 75.6180% | 2,451 |
| Total domestic deposits to total assets | 77.0400% | 4,165 |
| Equity capital to assets | 11.8237% | 984 |
| Core capital (leverage) ratio | 15.3780% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $263,088,800 | 2,645 |
| Average earning assets | $250,094,200 | 2,612 |
| Average equity | $35,222,800 | 2,100 |
| Average total loans | $136,566,200 | 2,766 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4524% | 2,770 |
| Cost of funding earning assets | 0.3309% | 1,849 |
| Net interest margin | 3.1215% | 2,862 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.3950% | 2,354 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8938% | 2,891 |
| Return on assets (ROA) | 0.8938% | 2,871 |
| Pretax return on assets | 0.9789% | 3,079 |
| Return on Equity (ROE) | 6.4800% | 3,690 |
| Retained earnings to average equity (ytd only) | 3.4440% | 3,648 |
| Net charge-offs to loans | 0.0050% | 1,994 |
| Credit loss provision to net charge-offs | 2,700.0000% | 194 |
| Earnings coverage of net charge-offs (x) | 411.2000% | 373 |
| Efficiency ratio | 69.5678% | 1,814 |
| Assets per employee ($millions) | 6.1509% | 2,626 |
| Cash dividends to net income (ytd only)* | 46.8643% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 2,810 |
| Loan loss allowance to noncurrent loans | 193.1075% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 1,499 |
| Noncurrent loans to loans | 0.5939% | 1,358 |
| Net loans and leases to total assets | 53.8700% | 3,115 |
| Net loans and leases to deposits | 70.2575% | 2,340 |
| Net loans and leases to core deposits | 73.0238% | 2,422 |
| Total domestic deposits to total assets | 76.6700% | 4,337 |
| Equity capital to assets | 11.1578% | 1,126 |
| Core capital (leverage) ratio | 15.3750% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $261,646,500 | 2,675 |
| Average earning assets | $248,977,750 | 2,637 |
| Average equity | $36,081,250 | 2,103 |
| Average total loans | $134,190,000 | 2,789 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3019% | 2,737 |
| Cost of funding earning assets | 0.2610% | 2,133 |
| Net interest margin | 3.0409% | 2,757 |
| Noninterest income to average assets | 0.4910% | 2,253 |
| Noninterest expense to average assets | 2.3897% | 2,258 |
| Loan and lease loss provision to assets | 0.0384% | 1,901 |
| Net operating income to assets | 0.8853% | 2,645 |
| Return on assets (ROA) | 0.8853% | 2,617 |
| Pretax return on assets | 0.9682% | 2,839 |
| Return on Equity (ROE) | 6.0306% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.8705% | 2,749 |
| Net charge-offs to loans | 0.0031% | 1,956 |
| Credit loss provision to net charge-offs | 2,500.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 656.0000% | 209 |
| Efficiency ratio | 70.3637% | 1,905 |
| Assets per employee ($millions) | 6.0546% | 2,694 |
| Cash dividends to net income (ytd only)* | 19.2374% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 3,060 |
| Loan loss allowance to noncurrent loans | 191.1192% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 1,622 |
| Noncurrent loans to loans | 0.5883% | 1,439 |
| Net loans and leases to total assets | 51.8553% | 3,176 |
| Net loans and leases to deposits | 67.1471% | 2,458 |
| Net loans and leases to core deposits | 68.2221% | 2,633 |
| Total domestic deposits to total assets | 77.2264% | 4,399 |
| Equity capital to assets | 12.5615% | 748 |
| Core capital (leverage) ratio | 15.7456% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,699,333 | 2,702 |
| Average earning assets | $249,067,000 | 2,680 |
| Average equity | $38,271,333 | 2,071 |
| Average total loans | $130,878,000 | 2,830 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0913% | 3,003 |
| Cost of funding earning assets | 0.2472% | 2,188 |
| Net interest margin | 2.8441% | 3,002 |
| Noninterest income to average assets | 0.4421% | 2,431 |
| Noninterest expense to average assets | 2.2509% | 2,681 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8346% | 2,537 |
| Return on assets (ROA) | 0.8346% | 2,532 |
| Pretax return on assets | 0.9215% | 2,693 |
| Return on Equity (ROE) | 5.2907% | 3,543 |
| Retained earnings to average equity (ytd only) | 4.1696% | 2,876 |
| Net charge-offs to loans | 0.0032% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 594.0000% | 169 |
| Efficiency ratio | 70.9535% | 2,109 |
| Assets per employee ($millions) | 6.3764% | 2,471 |
| Cash dividends to net income (ytd only)* | 21.1896% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,953 |
| Loan loss allowance to noncurrent loans | 256.2290% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.2651% | 2,088 |
| Noncurrent loans to loans | 0.4611% | 1,871 |
| Net loans and leases to total assets | 48.6953% | 3,311 |
| Net loans and leases to deposits | 59.9152% | 2,914 |
| Net loans and leases to core deposits | 60.8421% | 3,079 |
| Total domestic deposits to total assets | 81.2737% | 4,172 |
| Equity capital to assets | 14.5314% | 442 |
| Core capital (leverage) ratio | 16.2085% | 326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,848,500 | 2,737 |
| Average earning assets | $247,533,000 | 2,695 |
| Average equity | $40,675,000 | 2,026 |
| Average total loans | $126,460,000 | 2,888 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2828% | 3,262 |
| Cost of funding earning assets | 0.2774% | 2,628 |
| Net interest margin | 3.0054% | 3,179 |
| Noninterest income to average assets | 0.4929% | 2,604 |
| Noninterest expense to average assets | 2.5198% | 2,122 |
| Loan and lease loss provision to assets | -0.0486% | 4,347 |
| Net operating income to assets | 0.8279% | 3,246 |
| Return on assets (ROA) | 0.8279% | 3,322 |
| Pretax return on assets | 0.9109% | 3,485 |
| Return on Equity (ROE) | 4.8145% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.9227% | 3,247 |
| Net charge-offs to loans | -0.0462% | 4,293 |
| Credit loss provision to net charge-offs | 222.2222% | 1,244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5035% | 1,254 |
| Assets per employee ($millions) | 5.7787% | 2,981 |
| Cash dividends to net income (ytd only)* | 18.5239% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,749 |
| Loan loss allowance to noncurrent loans | 202.2576% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3351% | 1,894 |
| Noncurrent loans to loans | 0.6068% | 1,625 |
| Net loans and leases to total assets | 48.2056% | 3,484 |
| Net loans and leases to deposits | 61.2995% | 2,956 |
| Net loans and leases to core deposits | 62.4864% | 3,117 |
| Total domestic deposits to total assets | 78.6394% | 4,344 |
| Equity capital to assets | 17.0532% | 297 |
| Core capital (leverage) ratio | 16.2987% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $247,124,600 | 2,746 |
| Average earning assets | $237,572,800 | 2,693 |
| Average equity | $42,496,400 | 1,994 |
| Average total loans | $116,968,000 | 2,977 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2848% | 3,427 |
| Cost of funding earning assets | 0.2845% | 2,751 |
| Net interest margin | 3.0003% | 3,302 |
| Noninterest income to average assets | 0.4886% | 2,675 |
| Noninterest expense to average assets | 2.4868% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8097% | 3,507 |
| Return on assets (ROA) | 0.8097% | 3,574 |
| Pretax return on assets | 0.8842% | 3,728 |
| Return on Equity (ROE) | 4.6987% | 4,186 |
| Retained earnings to average equity (ytd only) | 3.8630% | 3,618 |
| Net charge-offs to loans | -0.0718% | 4,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7708% | 1,234 |
| Assets per employee ($millions) | 5.8661% | 2,824 |
| Cash dividends to net income (ytd only)* | 17.7852% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 2,116 |
| Loan loss allowance to noncurrent loans | 254.0000% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 2,284 |
| Noncurrent loans to loans | 0.5425% | 1,962 |
| Net loans and leases to total assets | 46.8451% | 3,728 |
| Net loans and leases to deposits | 59.4443% | 3,277 |
| Net loans and leases to core deposits | 60.5231% | 3,440 |
| Total domestic deposits to total assets | 78.8050% | 4,349 |
| Equity capital to assets | 16.8979% | 341 |
| Core capital (leverage) ratio | 16.4771% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,340,000 | 2,783 |
| Average earning assets | $235,703,000 | 2,730 |
| Average equity | $42,280,500 | 2,033 |
| Average total loans | $115,187,000 | 3,037 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2997% | 3,425 |
| Cost of funding earning assets | 0.2905% | 2,871 |
| Net interest margin | 3.0092% | 3,297 |
| Noninterest income to average assets | 0.4921% | 2,652 |
| Noninterest expense to average assets | 2.5436% | 2,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7752% | 3,584 |
| Return on assets (ROA) | 0.7752% | 3,642 |
| Pretax return on assets | 0.8377% | 3,793 |
| Return on Equity (ROE) | 4.4681% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.6143% | 3,643 |
| Net charge-offs to loans | -0.0405% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2251% | 1,149 |
| Assets per employee ($millions) | 5.0842% | 3,582 |
| Cash dividends to net income (ytd only)* | 19.1083% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 1,844 |
| Loan loss allowance to noncurrent loans | 176.7544% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 1,988 |
| Noncurrent loans to loans | 0.8106% | 1,515 |
| Net loans and leases to total assets | 44.5168% | 4,011 |
| Net loans and leases to deposits | 56.7569% | 3,660 |
| Net loans and leases to core deposits | 57.7190% | 3,778 |
| Total domestic deposits to total assets | 78.4342% | 4,392 |
| Equity capital to assets | 17.1596% | 316 |
| Core capital (leverage) ratio | 16.3277% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,038,667 | 2,789 |
| Average earning assets | $233,352,000 | 2,734 |
| Average equity | $42,166,000 | 2,026 |
| Average total loans | $113,644,333 | 3,073 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3186% | 3,405 |
| Cost of funding earning assets | 0.2984% | 3,010 |
| Net interest margin | 3.0202% | 3,207 |
| Noninterest income to average assets | 0.4550% | 2,813 |
| Noninterest expense to average assets | 2.4951% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7850% | 3,472 |
| Return on assets (ROA) | 0.7850% | 3,537 |
| Pretax return on assets | 0.8617% | 3,689 |
| Return on Equity (ROE) | 4.4992% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.6490% | 3,604 |
| Net charge-offs to loans | -0.0035% | 3,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3297% | 1,282 |
| Assets per employee ($millions) | 5.0992% | 3,531 |
| Cash dividends to net income (ytd only)* | 18.8960% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4000% | 1,956 |
| Loan loss allowance to noncurrent loans | 163.2444% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 2,077 |
| Noncurrent loans to loans | 0.8576% | 1,567 |
| Net loans and leases to total assets | 45.7509% | 3,976 |
| Net loans and leases to deposits | 58.1430% | 3,639 |
| Net loans and leases to core deposits | 58.9651% | 3,770 |
| Total domestic deposits to total assets | 78.6869% | 4,364 |
| Equity capital to assets | 16.8990% | 317 |
| Core capital (leverage) ratio | 16.7616% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,995,000 | 2,798 |
| Average earning assets | $230,580,000 | 2,744 |
| Average equity | $41,874,500 | 2,024 |
| Average total loans | $114,209,000 | 3,073 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6504% | 3,696 |
| Cost of funding earning assets | 0.5250% | 2,780 |
| Net interest margin | 3.1254% | 3,568 |
| Noninterest income to average assets | 0.3435% | 3,409 |
| Noninterest expense to average assets | 2.5694% | 2,640 |
| Loan and lease loss provision to assets | 0.0607% | 3,613 |
| Net operating income to assets | 0.6448% | 3,614 |
| Return on assets (ROA) | 0.6888% | 3,601 |
| Pretax return on assets | 0.7504% | 3,759 |
| Return on Equity (ROE) | 3.7236% | 4,220 |
| Retained earnings to average equity (ytd only) | 3.0922% | 3,302 |
| Net charge-offs to loans | 0.0341% | 2,366 |
| Credit loss provision to net charge-offs | 321.9512% | 1,665 |
| Earnings coverage of net charge-offs (x) | 40.4878% | 1,382 |
| Efficiency ratio | 77.0971% | 1,110 |
| Assets per employee ($millions) | 5.0049% | 3,389 |
| Cash dividends to net income (ytd only)* | 16.9559% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 2,031 |
| Loan loss allowance to noncurrent loans | 126.3116% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 1,831 |
| Noncurrent loans to loans | 1.0954% | 1,295 |
| Net loans and leases to total assets | 48.1482% | 3,966 |
| Net loans and leases to deposits | 62.7064% | 3,550 |
| Net loans and leases to core deposits | 63.6766% | 3,714 |
| Total domestic deposits to total assets | 76.7836% | 4,438 |
| Equity capital to assets | 18.0194% | 274 |
| Core capital (leverage) ratio | 17.3823% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,482,000 | 2,815 |
| Average earning assets | $208,006,600 | 2,758 |
| Average equity | $40,230,400 | 2,015 |
| Average total loans | $120,257,800 | 2,978 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 3,765 |
| Cost of funding earning assets | 0.5849% | 2,712 |
| Net interest margin | 3.1314% | 3,668 |
| Noninterest income to average assets | 0.3455% | 3,402 |
| Noninterest expense to average assets | 2.5653% | 2,647 |
| Loan and lease loss provision to assets | 0.0638% | 3,542 |
| Net operating income to assets | 0.6417% | 3,658 |
| Return on assets (ROA) | 0.7009% | 3,558 |
| Pretax return on assets | 0.7735% | 3,720 |
| Return on Equity (ROE) | 3.7623% | 4,222 |
| Retained earnings to average equity (ytd only) | 3.1072% | 3,473 |
| Net charge-offs to loans | 0.0197% | 2,464 |
| Credit loss provision to net charge-offs | 566.6667% | 1,197 |
| Earnings coverage of net charge-offs (x) | 68.5556% | 1,012 |
| Efficiency ratio | 76.8611% | 1,129 |
| Assets per employee ($millions) | 4.5437% | 3,787 |
| Cash dividends to net income (ytd only)* | 17.4107% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 1,938 |
| Loan loss allowance to noncurrent loans | 109.4810% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 1,650 |
| Noncurrent loans to loans | 1.2366% | 1,232 |
| Net loans and leases to total assets | 52.8528% | 3,905 |
| Net loans and leases to deposits | 69.5317% | 3,348 |
| Net loans and leases to core deposits | 73.7734% | 3,333 |
| Total domestic deposits to total assets | 76.0126% | 4,420 |
| Equity capital to assets | 18.9121% | 241 |
| Core capital (leverage) ratio | 17.7192% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,045,000 | 2,826 |
| Average earning assets | $203,567,750 | 2,776 |
| Average equity | $39,691,250 | 2,026 |
| Average total loans | $121,610,250 | 2,975 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 3,888 |
| Cost of funding earning assets | 0.6142% | 2,898 |
| Net interest margin | 3.1740% | 3,735 |
| Noninterest income to average assets | 0.3321% | 3,477 |
| Noninterest expense to average assets | 2.5397% | 2,855 |
| Loan and lease loss provision to assets | 0.0681% | 3,441 |
| Net operating income to assets | 0.6666% | 3,519 |
| Return on assets (ROA) | 0.7532% | 3,322 |
| Pretax return on assets | 0.8545% | 3,447 |
| Return on Equity (ROE) | 4.0641% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.3850% | 3,228 |
| Net charge-offs to loans | 0.0227% | 2,261 |
| Credit loss provision to net charge-offs | 514.2857% | 1,210 |
| Earnings coverage of net charge-offs (x) | 62.2143% | 942 |
| Efficiency ratio | 75.4993% | 1,309 |
| Assets per employee ($millions) | 5.1776% | 2,967 |
| Cash dividends to net income (ytd only)* | 16.7085% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,073 |
| Loan loss allowance to noncurrent loans | 105.3487% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,666 |
| Noncurrent loans to loans | 1.2203% | 1,288 |
| Net loans and leases to total assets | 54.9434% | 3,789 |
| Net loans and leases to deposits | 72.2449% | 3,234 |
| Net loans and leases to core deposits | 77.8310% | 3,123 |
| Total domestic deposits to total assets | 76.0517% | 4,423 |
| Equity capital to assets | 18.8182% | 242 |
| Core capital (leverage) ratio | 17.9402% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,360,667 | 2,818 |
| Average earning assets | $201,888,000 | 2,766 |
| Average equity | $39,172,667 | 2,030 |
| Average total loans | $123,196,000 | 2,938 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 3,881 |
| Cost of funding earning assets | 0.6385% | 3,234 |
| Net interest margin | 3.3293% | 3,518 |
| Noninterest income to average assets | 0.3284% | 3,561 |
| Noninterest expense to average assets | 2.5385% | 3,164 |
| Loan and lease loss provision to assets | 0.1095% | 2,309 |
| Net operating income to assets | 0.7508% | 3,090 |
| Return on assets (ROA) | 0.7508% | 3,168 |
| Pretax return on assets | 0.8545% | 3,272 |
| Return on Equity (ROE) | 4.0838% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.3840% | 2,927 |
| Net charge-offs to loans | 0.0451% | 1,573 |
| Credit loss provision to net charge-offs | 407.1429% | 989 |
| Earnings coverage of net charge-offs (x) | 35.8571% | 1,075 |
| Efficiency ratio | 72.4781% | 2,006 |
| Assets per employee ($millions) | 4.8430% | 2,823 |
| Cash dividends to net income (ytd only)* | 17.1355% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 2,422 |
| Loan loss allowance to noncurrent loans | 124.3745% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6598% | 2,025 |
| Noncurrent loans to loans | 1.0010% | 1,654 |
| Net loans and leases to total assets | 58.6992% | 3,619 |
| Net loans and leases to deposits | 76.4584% | 3,032 |
| Net loans and leases to core deposits | 86.2456% | 2,657 |
| Total domestic deposits to total assets | 76.7726% | 4,381 |
| Equity capital to assets | 18.1287% | 343 |
| Core capital (leverage) ratio | 18.1566% | 327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,311,000 | 2,806 |
| Average earning assets | $198,600,500 | 2,753 |
| Average equity | $38,298,000 | 2,053 |
| Average total loans | $124,276,000 | 2,910 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 3,906 |
| Cost of funding earning assets | 0.5765% | 3,737 |
| Net interest margin | 3.5864% | 3,178 |
| Noninterest income to average assets | 0.3883% | 3,370 |
| Noninterest expense to average assets | 3.1789% | 1,571 |
| Loan and lease loss provision to assets | 0.0059% | 3,892 |
| Net operating income to assets | 0.5645% | 4,260 |
| Return on assets (ROA) | 0.5675% | 4,304 |
| Pretax return on assets | 0.6373% | 4,355 |
| Return on Equity (ROE) | 3.0867% | 4,651 |
| Retained earnings to average equity (ytd only) | 3.0867% | 3,481 |
| Net charge-offs to loans | 0.0141% | 3,196 |
| Credit loss provision to net charge-offs | 66.6667% | 2,952 |
| Earnings coverage of net charge-offs (x) | 72.7778% | 861 |
| Efficiency ratio | 83.2459% | 709 |
| Assets per employee ($millions) | 4.9612% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,436 |
| Loan loss allowance to noncurrent loans | 126.7343% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 2,005 |
| Noncurrent loans to loans | 0.9473% | 1,619 |
| Net loans and leases to total assets | 59.1596% | 3,658 |
| Net loans and leases to deposits | 77.5661% | 3,055 |
| Net loans and leases to core deposits | 87.5238% | 2,651 |
| Total domestic deposits to total assets | 76.2698% | 4,572 |
| Equity capital to assets | 18.6412% | 323 |
| Core capital (leverage) ratio | 17.8847% | 345 |
| Tier 1 risk-based capital ratio | 32.1893% | 414 |
| Total risk-based capital ratio | 33.4396% | 399 |
| Memoranda: | ||
| Average total assets | $204,754,200 | 2,806 |
| Average earning assets | $195,851,000 | 2,744 |
| Average equity | $37,645,800 | 2,022 |
| Average total loans | $127,467,800 | 2,849 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 4,002 |
| Cost of funding earning assets | 0.5517% | 3,917 |
| Net interest margin | 3.6137% | 3,219 |
| Noninterest income to average assets | 0.4075% | 3,267 |
| Noninterest expense to average assets | 3.1892% | 1,488 |
| Loan and lease loss provision to assets | 0.0039% | 3,789 |
| Net operating income to assets | 0.5912% | 4,317 |
| Return on assets (ROA) | 0.5952% | 4,360 |
| Pretax return on assets | 0.6763% | 4,394 |
| Return on Equity (ROE) | 3.2488% | 4,726 |
| Retained earnings to average equity (ytd only) | 3.2488% | 3,784 |
| Net charge-offs to loans | 0.0229% | 2,643 |
| Credit loss provision to net charge-offs | 27.2727% | 2,929 |
| Earnings coverage of net charge-offs (x) | 46.9587% | 1,241 |
| Efficiency ratio | 82.5182% | 722 |
| Assets per employee ($millions) | 4.7493% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,594 |
| Loan loss allowance to noncurrent loans | 134.5389% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 2,224 |
| Noncurrent loans to loans | 0.8799% | 1,824 |
| Net loans and leases to total assets | 59.4377% | 3,731 |
| Net loans and leases to deposits | 77.7367% | 3,126 |
| Net loans and leases to core deposits | 87.7707% | 2,755 |
| Total domestic deposits to total assets | 76.4603% | 4,591 |
| Equity capital to assets | 18.4749% | 351 |
| Core capital (leverage) ratio | 17.7232% | 369 |
| Tier 1 risk-based capital ratio | 32.1881% | 421 |
| Total risk-based capital ratio | 33.4381% | 413 |
| Memoranda: | ||
| Average total assets | $203,849,750 | 2,830 |
| Average earning assets | $195,032,250 | 2,764 |
| Average equity | $37,346,500 | 2,048 |
| Average total loans | $128,142,250 | 2,878 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 4,019 |
| Cost of funding earning assets | 0.5019% | 4,106 |
| Net interest margin | 3.6580% | 3,079 |
| Noninterest income to average assets | 0.4047% | 3,247 |
| Noninterest expense to average assets | 3.0503% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7273% | 3,906 |
| Return on assets (ROA) | 0.7331% | 3,947 |
| Pretax return on assets | 0.8588% | 3,953 |
| Return on Equity (ROE) | 4.0134% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.0134% | 3,245 |
| Net charge-offs to loans | 0.0248% | 2,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 53.8125% | 1,045 |
| Efficiency ratio | 78.1694% | 1,126 |
| Assets per employee ($millions) | 4.8259% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 2,727 |
| Loan loss allowance to noncurrent loans | 136.1391% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 2,118 |
| Noncurrent loans to loans | 0.8532% | 1,896 |
| Net loans and leases to total assets | 61.0162% | 3,647 |
| Net loans and leases to deposits | 79.6964% | 2,989 |
| Net loans and leases to core deposits | 90.1708% | 2,582 |
| Total domestic deposits to total assets | 76.5609% | 4,614 |
| Equity capital to assets | 18.3532% | 346 |
| Core capital (leverage) ratio | 18.6141% | 301 |
| Tier 1 risk-based capital ratio | 32.0208% | 417 |
| Total risk-based capital ratio | 33.2711% | 411 |
| Memoranda: | ||
| Average total assets | $202,143,000 | 2,856 |
| Average earning assets | $193,275,000 | 2,795 |
| Average equity | $36,926,330 | 2,063 |
| Average total loans | $128,958,000 | 2,883 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 3,747 |
| Cost of funding earning assets | 0.4725% | 4,190 |
| Net interest margin | 3.7673% | 2,643 |
| Noninterest income to average assets | 0.3870% | 3,276 |
| Noninterest expense to average assets | 3.0182% | 1,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8162% | 3,564 |
| Return on assets (ROA) | 0.8162% | 3,601 |
| Pretax return on assets | 0.9666% | 3,560 |
| Return on Equity (ROE) | 4.4790% | 4,474 |
| Retained earnings to average equity (ytd only) | 4.4790% | 3,130 |
| Net charge-offs to loans | -0.0309% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7423% | 1,523 |
| Assets per employee ($millions) | 4.5083% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 2,811 |
| Loan loss allowance to noncurrent loans | 116.7309% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7743% | 1,821 |
| Noncurrent loans to loans | 0.9903% | 1,692 |
| Net loans and leases to total assets | 65.2610% | 3,136 |
| Net loans and leases to deposits | 80.2981% | 2,804 |
| Net loans and leases to core deposits | 90.4748% | 2,447 |
| Total domestic deposits to total assets | 81.2734% | 3,912 |
| Equity capital to assets | 18.5451% | 306 |
| Core capital (leverage) ratio | 18.2941% | 321 |
| Tier 1 risk-based capital ratio | 31.1791% | 434 |
| Total risk-based capital ratio | 32.4293% | 429 |
| Memoranda: | ||
| Average total assets | $199,458,500 | 2,905 |
| Average earning assets | $190,483,500 | 2,847 |
| Average equity | $36,347,000 | 2,081 |
| Average total loans | $129,385,000 | 2,910 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 3,968 |
| Cost of funding earning assets | 0.3929% | 4,027 |
| Net interest margin | 3.6269% | 3,290 |
| Noninterest income to average assets | 0.4279% | 3,257 |
| Noninterest expense to average assets | 2.9454% | 2,202 |
| Loan and lease loss provision to assets | -0.1025% | 5,272 |
| Net operating income to assets | 0.8421% | 3,637 |
| Return on assets (ROA) | 0.8421% | 3,637 |
| Pretax return on assets | 1.0389% | 3,479 |
| Return on Equity (ROE) | 5.7623% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.7623% | 2,315 |
| Net charge-offs to loans | 0.0155% | 3,168 |
| Credit loss provision to net charge-offs | -1,052.6316% | 4,744 |
| Earnings coverage of net charge-offs (x) | 96.1579% | 757 |
| Efficiency ratio | 75.8780% | 1,384 |
| Assets per employee ($millions) | 4.6640% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 2,682 |
| Loan loss allowance to noncurrent loans | 115.9599% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7659% | 1,825 |
| Noncurrent loans to loans | 1.0149% | 1,605 |
| Net loans and leases to total assets | 62.9747% | 3,468 |
| Net loans and leases to deposits | 77.0043% | 3,278 |
| Net loans and leases to core deposits | 80.7660% | 3,370 |
| Total domestic deposits to total assets | 81.7808% | 3,696 |
| Equity capital to assets | 17.9041% | 349 |
| Core capital (leverage) ratio | 17.9834% | 330 |
| Tier 1 risk-based capital ratio | 30.6871% | 443 |
| Total risk-based capital ratio | 31.9368% | 434 |
| Memoranda: | ||
| Average total assets | $195,117,400 | 2,914 |
| Average earning assets | $185,807,800 | 2,865 |
| Average equity | $28,513,000 | 2,431 |
| Average total loans | $122,689,400 | 2,967 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 4,054 |
| Cost of funding earning assets | 0.3897% | 3,937 |
| Net interest margin | 3.5678% | 3,464 |
| Noninterest income to average assets | 0.4342% | 3,260 |
| Noninterest expense to average assets | 3.0333% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6503% | 4,368 |
| Return on assets (ROA) | 0.6503% | 4,381 |
| Pretax return on assets | 0.7968% | 4,302 |
| Return on Equity (ROE) | 4.7253% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.7253% | 3,381 |
| Net charge-offs to loans | -0.0450% | 4,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1951% | 1,017 |
| Assets per employee ($millions) | 4.5324% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,799 |
| Loan loss allowance to noncurrent loans | 131.0781% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.8454% | 1,750 |
| Noncurrent loans to loans | 1.0487% | 1,626 |
| Net loans and leases to total assets | 63.4284% | 3,494 |
| Net loans and leases to deposits | 76.9514% | 3,331 |
| Net loans and leases to core deposits | 80.7116% | 3,440 |
| Total domestic deposits to total assets | 82.4265% | 3,485 |
| Equity capital to assets | 17.2957% | 402 |
| Core capital (leverage) ratio | 17.2460% | 390 |
| Tier 1 risk-based capital ratio | 30.0377% | 475 |
| Total risk-based capital ratio | 31.2905% | 468 |
| Memoranda: | ||
| Average total assets | $193,758,750 | 2,947 |
| Average earning assets | $184,421,500 | 2,898 |
| Average equity | $26,664,500 | 2,542 |
| Average total loans | $121,411,500 | 3,006 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,206 |
| Cost of funding earning assets | 0.3813% | 3,860 |
| Net interest margin | 3.4723% | 3,726 |
| Noninterest income to average assets | 0.4409% | 3,212 |
| Noninterest expense to average assets | 2.9562% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6431% | 4,367 |
| Return on assets (ROA) | 0.6431% | 4,375 |
| Pretax return on assets | 0.7880% | 4,283 |
| Return on Equity (ROE) | 5.1298% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.1298% | 3,012 |
| Net charge-offs to loans | 0.0134% | 2,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 94.5000% | 722 |
| Efficiency ratio | 78.9532% | 1,119 |
| Assets per employee ($millions) | 4.8820% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 1,760 |
| Loan loss allowance to noncurrent loans | 111.5085% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 1,775 |
| Noncurrent loans to loans | 1.2525% | 1,372 |
| Net loans and leases to total assets | 56.3670% | 4,130 |
| Net loans and leases to deposits | 63.6761% | 4,299 |
| Net loans and leases to core deposits | 66.0899% | 4,364 |
| Total domestic deposits to total assets | 88.5215% | 1,133 |
| Equity capital to assets | 11.2420% | 2,418 |
| Core capital (leverage) ratio | 13.4085% | 1,094 |
| Tier 1 risk-based capital ratio | 20.7210% | 1,219 |
| Total risk-based capital ratio | 21.9724% | 1,192 |
| Memoranda: | ||
| Average total assets | $191,870,000 | 2,987 |
| Average earning assets | $182,528,330 | 2,932 |
| Average equity | $24,055,330 | 2,747 |
| Average total loans | $119,130,330 | 3,048 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 3,709 |
| Cost of funding earning assets | 0.3884% | 3,673 |
| Net interest margin | 3.5866% | 3,234 |
| Noninterest income to average assets | 0.5144% | 2,721 |
| Noninterest expense to average assets | 3.0310% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7118% | 4,059 |
| Return on assets (ROA) | 0.7118% | 4,067 |
| Pretax return on assets | 0.8825% | 3,902 |
| Return on Equity (ROE) | 5.3481% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.3481% | 3,014 |
| Net charge-offs to loans | 0.2080% | 714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 6.5246% | 2,154 |
| Efficiency ratio | 77.4504% | 1,410 |
| Assets per employee ($millions) | 4.3825% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,804 |
| Loan loss allowance to noncurrent loans | 75.2036% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3680% | 1,073 |
| Noncurrent loans to loans | 1.8734% | 878 |
| Net loans and leases to total assets | 63.1873% | 3,411 |
| Net loans and leases to deposits | 74.2132% | 3,394 |
| Net loans and leases to core deposits | 75.2689% | 3,720 |
| Total domestic deposits to total assets | 85.1429% | 2,887 |
| Equity capital to assets | 12.9638% | 1,266 |
| Core capital (leverage) ratio | 13.6612% | 960 |
| Tier 1 risk-based capital ratio | 22.0233% | 1,045 |
| Total risk-based capital ratio | 23.2762% | 1,025 |
| Memoranda: | ||
| Average total assets | $180,400,000 | 3,125 |
| Average earning assets | $170,968,500 | 3,085 |
| Average equity | $24,008,500 | 2,776 |
| Average total loans | $117,297,000 | 3,097 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 3,519 |
| Cost of funding earning assets | 0.3987% | 3,268 |
| Net interest margin | 3.5672% | 3,273 |
| Noninterest income to average assets | 0.4756% | 3,155 |
| Noninterest expense to average assets | 3.0425% | 2,036 |
| Loan and lease loss provision to assets | -0.3940% | 5,631 |
| Net operating income to assets | 0.6465% | 3,831 |
| Return on assets (ROA) | 0.6602% | 3,823 |
| Pretax return on assets | 1.2123% | 2,722 |
| Return on Equity (ROE) | 4.9535% | 4,177 |
| Retained earnings to average equity (ytd only) | 4.5818% | 2,404 |
| Net charge-offs to loans | 0.0682% | 2,480 |
| Credit loss provision to net charge-offs | -875.0000% | 5,047 |
| Earnings coverage of net charge-offs (x) | 17.7000% | 2,111 |
| Efficiency ratio | 79.2436% | 1,192 |
| Assets per employee ($millions) | 4.1101% | 3,795 |
| Cash dividends to net income (ytd only)* | 7.5021% | 3,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 1,488 |
| Loan loss allowance to noncurrent loans | 91.1158% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.3223% | 1,091 |
| Noncurrent loans to loans | 1.6214% | 1,026 |
| Net loans and leases to total assets | 65.0145% | 3,223 |
| Net loans and leases to deposits | 75.6123% | 3,365 |
| Net loans and leases to core deposits | 76.5937% | 3,694 |
| Total domestic deposits to total assets | 85.9839% | 2,441 |
| Equity capital to assets | 13.6675% | 998 |
| Core capital (leverage) ratio | 13.5324% | 949 |
| Tier 1 risk-based capital ratio | 22.1272% | 1,002 |
| Total risk-based capital ratio | 23.3808% | 977 |
| Memoranda: | ||
| Average total assets | $177,680,400 | 3,148 |
| Average earning assets | $167,554,600 | 3,108 |
| Average equity | $23,680,400 | 2,789 |
| Average total loans | $117,271,800 | 3,097 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 3,470 |
| Cost of funding earning assets | 0.3984% | 3,211 |
| Net interest margin | 3.5680% | 3,264 |
| Noninterest income to average assets | 0.4736% | 3,190 |
| Noninterest expense to average assets | 2.9743% | 2,182 |
| Loan and lease loss provision to assets | -0.2248% | 5,668 |
| Net operating income to assets | 0.7294% | 3,820 |
| Return on assets (ROA) | 0.7314% | 3,886 |
| Pretax return on assets | 1.0896% | 3,342 |
| Return on Equity (ROE) | 5.5229% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.0250% | 2,873 |
| Net charge-offs to loans | 0.0534% | 2,374 |
| Credit loss provision to net charge-offs | -638.2979% | 4,859 |
| Earnings coverage of net charge-offs (x) | 24.4663% | 1,769 |
| Efficiency ratio | 77.5347% | 1,392 |
| Assets per employee ($millions) | 4.2906% | 3,486 |
| Cash dividends to net income (ytd only)* | 9.0164% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8393% | 791 |
| Loan loss allowance to noncurrent loans | 100.8891% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4030% | 1,106 |
| Noncurrent loans to loans | 1.8231% | 973 |
| Net loans and leases to total assets | 65.4096% | 3,190 |
| Net loans and leases to deposits | 76.0216% | 3,374 |
| Net loans and leases to core deposits | 77.1424% | 3,714 |
| Total domestic deposits to total assets | 86.0408% | 2,292 |
| Equity capital to assets | 13.6590% | 1,095 |
| Core capital (leverage) ratio | 13.7912% | 947 |
| Tier 1 risk-based capital ratio | 22.1379% | 1,036 |
| Total risk-based capital ratio | 23.3963% | 1,015 |
| Memoranda: | ||
| Average total assets | $177,917,250 | 3,169 |
| Average earning assets | $167,669,750 | 3,132 |
| Average equity | $23,561,750 | 2,822 |
| Average total loans | $117,433,500 | 3,117 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,415 |
| Cost of funding earning assets | 0.3932% | 3,138 |
| Net interest margin | 3.5448% | 3,236 |
| Noninterest income to average assets | 0.4939% | 3,059 |
| Noninterest expense to average assets | 2.9308% | 2,323 |
| Loan and lease loss provision to assets | -0.3360% | 5,737 |
| Net operating income to assets | 0.8231% | 3,281 |
| Return on assets (ROA) | 0.8231% | 3,338 |
| Pretax return on assets | 1.2409% | 2,618 |
| Return on Equity (ROE) | 6.2804% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.5284% | 2,392 |
| Net charge-offs to loans | 0.0834% | 1,776 |
| Credit loss provision to net charge-offs | -612.2449% | 4,727 |
| Earnings coverage of net charge-offs (x) | 16.4898% | 1,979 |
| Efficiency ratio | 76.4088% | 1,655 |
| Assets per employee ($millions) | 4.2227% | 3,576 |
| Cash dividends to net income (ytd only)* | 11.9728% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8351% | 826 |
| Loan loss allowance to noncurrent loans | 95.9465% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.5184% | 990 |
| Noncurrent loans to loans | 1.9127% | 903 |
| Net loans and leases to total assets | 64.9676% | 3,259 |
| Net loans and leases to deposits | 75.3060% | 3,425 |
| Net loans and leases to core deposits | 76.5351% | 3,725 |
| Total domestic deposits to total assets | 86.2714% | 2,257 |
| Equity capital to assets | 13.4579% | 1,162 |
| Core capital (leverage) ratio | 13.5324% | 988 |
| Tier 1 risk-based capital ratio | 21.9033% | 1,062 |
| Total risk-based capital ratio | 23.1624% | 1,040 |
| Memoranda: | ||
| Average total assets | $178,585,330 | 3,172 |
| Average earning assets | $168,360,330 | 3,131 |
| Average equity | $23,406,330 | 2,842 |
| Average total loans | $117,504,670 | 3,124 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,209 |
| Cost of funding earning assets | 0.3887% | 3,110 |
| Net interest margin | 3.5598% | 3,044 |
| Noninterest income to average assets | 0.4777% | 3,140 |
| Noninterest expense to average assets | 2.8951% | 2,465 |
| Loan and lease loss provision to assets | -0.6696% | 5,843 |
| Net operating income to assets | 1.0446% | 2,093 |
| Return on assets (ROA) | 1.0446% | 2,146 |
| Pretax return on assets | 1.6049% | 1,222 |
| Return on Equity (ROE) | 8.0775% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.0775% | 1,429 |
| Net charge-offs to loans | 0.1599% | 1,016 |
| Credit loss provision to net charge-offs | -638.2979% | 4,311 |
| Earnings coverage of net charge-offs (x) | 8.9149% | 2,028 |
| Efficiency ratio | 75.5828% | 1,974 |
| Assets per employee ($millions) | 4.4098% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8209% | 922 |
| Loan loss allowance to noncurrent loans | 99.1720% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3562% | 1,244 |
| Noncurrent loans to loans | 1.8361% | 1,014 |
| Net loans and leases to total assets | 64.2959% | 3,232 |
| Net loans and leases to deposits | 74.0691% | 3,396 |
| Net loans and leases to core deposits | 75.2461% | 3,717 |
| Total domestic deposits to total assets | 86.8053% | 2,307 |
| Equity capital to assets | 12.9580% | 1,270 |
| Core capital (leverage) ratio | 13.4588% | 987 |
| Tier 1 risk-based capital ratio | 21.3408% | 1,167 |
| Total risk-based capital ratio | 22.5994% | 1,148 |
| Memoranda: | ||
| Average total assets | $179,201,500 | 3,194 |
| Average earning assets | $168,773,000 | 3,148 |
| Average equity | $23,175,500 | 2,870 |
| Average total loans | $117,569,000 | 3,149 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 3,691 |
| Cost of funding earning assets | 0.4259% | 2,748 |
| Net interest margin | 3.4403% | 3,661 |
| Noninterest income to average assets | 0.4027% | 3,865 |
| Noninterest expense to average assets | 2.9702% | 2,437 |
| Loan and lease loss provision to assets | -0.2496% | 5,811 |
| Net operating income to assets | 0.6312% | 4,087 |
| Return on assets (ROA) | 0.6312% | 4,194 |
| Pretax return on assets | 0.9124% | 3,801 |
| Return on Equity (ROE) | 4.9611% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.9611% | 2,372 |
| Net charge-offs to loans | 0.1534% | 1,728 |
| Credit loss provision to net charge-offs | -254.2373% | 5,043 |
| Earnings coverage of net charge-offs (x) | 6.7514% | 3,126 |
| Efficiency ratio | 81.7557% | 1,230 |
| Assets per employee ($millions) | 5.3819% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1442% | 500 |
| Loan loss allowance to noncurrent loans | 103.9020% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.5332% | 1,065 |
| Noncurrent loans to loans | 2.0636% | 865 |
| Net loans and leases to total assets | 64.3187% | 3,316 |
| Net loans and leases to deposits | 74.1400% | 3,497 |
| Net loans and leases to core deposits | 75.2155% | 3,820 |
| Total domestic deposits to total assets | 86.7530% | 2,261 |
| Equity capital to assets | 12.9069% | 1,292 |
| Core capital (leverage) ratio | 12.8230% | 1,199 |
| Tier 1 risk-based capital ratio | 20.9672% | 1,212 |
| Total risk-based capital ratio | 22.2297% | 1,192 |
| Memoranda: | ||
| Average total assets | $180,289,800 | 3,160 |
| Average earning assets | $169,286,200 | 3,122 |
| Average equity | $22,938,400 | 2,895 |
| Average total loans | $115,396,600 | 3,137 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8422% | 3,791 |
| Cost of funding earning assets | 0.4341% | 2,693 |
| Net interest margin | 3.4080% | 3,812 |
| Noninterest income to average assets | 0.3706% | 4,124 |
| Noninterest expense to average assets | 2.8315% | 2,902 |
| Loan and lease loss provision to assets | -0.3316% | 5,917 |
| Net operating income to assets | 0.7265% | 3,715 |
| Return on assets (ROA) | 0.7265% | 3,848 |
| Pretax return on assets | 1.0691% | 3,356 |
| Return on Equity (ROE) | 5.7302% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.7302% | 2,341 |
| Net charge-offs to loans | 0.0545% | 2,583 |
| Credit loss provision to net charge-offs | -957.4468% | 5,204 |
| Earnings coverage of net charge-offs (x) | 21.2962% | 1,824 |
| Efficiency ratio | 79.3353% | 1,518 |
| Assets per employee ($millions) | 4.6464% | 2,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2933% | 442 |
| Loan loss allowance to noncurrent loans | 97.9174% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.4839% | 1,215 |
| Noncurrent loans to loans | 2.3421% | 781 |
| Net loans and leases to total assets | 61.9055% | 3,648 |
| Net loans and leases to deposits | 71.4357% | 3,845 |
| Net loans and leases to core deposits | 72.5749% | 4,118 |
| Total domestic deposits to total assets | 86.6591% | 2,053 |
| Equity capital to assets | 13.0070% | 1,486 |
| Core capital (leverage) ratio | 12.8863% | 1,233 |
| Tier 1 risk-based capital ratio | 21.0410% | 1,264 |
| Total risk-based capital ratio | 22.3049% | 1,238 |
| Memoranda: | ||
| Average total assets | $180,961,500 | 3,166 |
| Average earning assets | $169,831,000 | 3,124 |
| Average equity | $22,942,250 | 2,920 |
| Average total loans | $115,062,000 | 3,151 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 3,728 |
| Cost of funding earning assets | 0.4446% | 2,619 |
| Net interest margin | 3.4180% | 3,816 |
| Noninterest income to average assets | 0.3251% | 4,456 |
| Noninterest expense to average assets | 2.6305% | 3,609 |
| Loan and lease loss provision to assets | -0.4976% | 6,019 |
| Net operating income to assets | 0.9266% | 2,736 |
| Return on assets (ROA) | 0.9266% | 2,871 |
| Pretax return on assets | 1.3965% | 2,041 |
| Return on Equity (ROE) | 7.3725% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.3725% | 1,445 |
| Net charge-offs to loans | 0.0695% | 2,196 |
| Credit loss provision to net charge-offs | -1,125.0000% | 5,116 |
| Earnings coverage of net charge-offs (x) | 20.3250% | 1,730 |
| Efficiency ratio | 74.5301% | 2,286 |
| Assets per employee ($millions) | 4.8573% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3016% | 466 |
| Loan loss allowance to noncurrent loans | 104.8035% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.4639% | 1,321 |
| Noncurrent loans to loans | 2.1961% | 858 |
| Net loans and leases to total assets | 62.3539% | 3,585 |
| Net loans and leases to deposits | 72.0394% | 3,782 |
| Net loans and leases to core deposits | 73.5659% | 4,022 |
| Total domestic deposits to total assets | 86.5553% | 2,135 |
| Equity capital to assets | 13.1292% | 1,429 |
| Core capital (leverage) ratio | 12.8616% | 1,207 |
| Tier 1 risk-based capital ratio | 21.2076% | 1,239 |
| Total risk-based capital ratio | 22.4721% | 1,217 |
| Memoranda: | ||
| Average total assets | $180,878,670 | 3,189 |
| Average earning assets | $169,574,670 | 3,147 |
| Average equity | $22,733,000 | 2,948 |
| Average total loans | $115,145,330 | 3,156 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 3,765 |
| Cost of funding earning assets | 0.4629% | 2,437 |
| Net interest margin | 3.3880% | 3,908 |
| Noninterest income to average assets | 0.4739% | 3,319 |
| Noninterest expense to average assets | 2.4028% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8178% | 3,162 |
| Return on assets (ROA) | 0.8178% | 3,286 |
| Pretax return on assets | 1.2499% | 2,501 |
| Return on Equity (ROE) | 6.6543% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.6543% | 2,058 |
| Net charge-offs to loans | -0.1422% | 5,758 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7815% | 3,843 |
| Assets per employee ($millions) | 4.7359% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7706% | 283 |
| Loan loss allowance to noncurrent loans | 112.2478% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.7392% | 1,092 |
| Noncurrent loans to loans | 2.4683% | 769 |
| Net loans and leases to total assets | 61.8350% | 3,552 |
| Net loans and leases to deposits | 71.0518% | 3,747 |
| Net loans and leases to core deposits | 72.9886% | 3,978 |
| Total domestic deposits to total assets | 87.0281% | 2,199 |
| Equity capital to assets | 12.5813% | 1,632 |
| Core capital (leverage) ratio | 12.3548% | 1,406 |
| Tier 1 risk-based capital ratio | 21.3519% | 1,252 |
| Total risk-based capital ratio | 22.6234% | 1,229 |
| Memoranda: | ||
| Average total assets | $181,457,500 | 3,185 |
| Average earning assets | $170,245,500 | 3,152 |
| Average equity | $22,301,500 | 2,990 |
| Average total loans | $115,366,500 | 3,152 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 4,066 |
| Cost of funding earning assets | 0.5707% | 1,591 |
| Net interest margin | 3.2231% | 4,549 |
| Noninterest income to average assets | 0.5590% | 2,967 |
| Noninterest expense to average assets | 2.9442% | 2,716 |
| Loan and lease loss provision to assets | -0.5193% | 6,125 |
| Net operating income to assets | 0.7914% | 3,371 |
| Return on assets (ROA) | 0.7914% | 3,451 |
| Pretax return on assets | 1.1504% | 2,840 |
| Return on Equity (ROE) | 7.0595% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.0595% | 1,257 |
| Net charge-offs to loans | 0.2812% | 1,082 |
| Credit loss provision to net charge-offs | -278.1250% | 5,337 |
| Earnings coverage of net charge-offs (x) | 3.3807% | 3,739 |
| Efficiency ratio | 82.3468% | 1,360 |
| Assets per employee ($millions) | 4.9446% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6918% | 320 |
| Loan loss allowance to noncurrent loans | 96.2485% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.9044% | 955 |
| Noncurrent loans to loans | 2.7967% | 612 |
| Net loans and leases to total assets | 61.8478% | 3,583 |
| Net loans and leases to deposits | 70.5525% | 3,861 |
| Net loans and leases to core deposits | 72.5465% | 4,085 |
| Total domestic deposits to total assets | 87.6621% | 1,810 |
| Equity capital to assets | 12.0039% | 1,948 |
| Core capital (leverage) ratio | 11.9842% | 1,626 |
| Tier 1 risk-based capital ratio | 19.8614% | 1,504 |
| Total risk-based capital ratio | 21.1312% | 1,475 |
| Memoranda: | ||
| Average total assets | $188,537,200 | 3,071 |
| Average earning assets | $176,445,800 | 3,037 |
| Average equity | $21,134,600 | 3,056 |
| Average total loans | $125,181,600 | 2,966 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 4,139 |
| Cost of funding earning assets | 0.5975% | 1,423 |
| Net interest margin | 3.1881% | 4,709 |
| Noninterest income to average assets | 0.5854% | 2,818 |
| Noninterest expense to average assets | 2.9553% | 2,659 |
| Loan and lease loss provision to assets | 0.0147% | 3,975 |
| Net operating income to assets | 0.4570% | 4,946 |
| Return on assets (ROA) | 0.4570% | 5,042 |
| Pretax return on assets | 0.5967% | 4,981 |
| Return on Equity (ROE) | 4.1475% | 4,977 |
| Retained earnings to average equity (ytd only) | 4.1475% | 3,513 |
| Net charge-offs to loans | 0.2763% | 967 |
| Credit loss provision to net charge-offs | 7.9545% | 3,468 |
| Earnings coverage of net charge-offs (x) | 3.2992% | 3,522 |
| Efficiency ratio | 82.8577% | 1,285 |
| Assets per employee ($millions) | 4.8358% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5064% | 144 |
| Loan loss allowance to noncurrent loans | 100.7404% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 2.3275% | 780 |
| Noncurrent loans to loans | 3.4806% | 450 |
| Net loans and leases to total assets | 63.1686% | 3,424 |
| Net loans and leases to deposits | 71.8162% | 3,793 |
| Net loans and leases to core deposits | 74.2942% | 3,986 |
| Total domestic deposits to total assets | 87.9587% | 1,588 |
| Equity capital to assets | 11.5842% | 2,430 |
| Core capital (leverage) ratio | 11.0600% | 2,421 |
| Tier 1 risk-based capital ratio | 19.1877% | 1,728 |
| Total risk-based capital ratio | 20.4699% | 1,689 |
| Memoranda: | ||
| Average total assets | $189,934,250 | 3,077 |
| Average earning assets | $177,615,750 | 3,050 |
| Average equity | $20,928,000 | 3,101 |
| Average total loans | $127,407,000 | 2,949 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 4,261 |
| Cost of funding earning assets | 0.6186% | 1,294 |
| Net interest margin | 3.1253% | 4,896 |
| Noninterest income to average assets | 0.6698% | 2,359 |
| Noninterest expense to average assets | 2.9720% | 2,646 |
| Loan and lease loss provision to assets | 0.0188% | 3,756 |
| Net operating income to assets | 0.4688% | 4,897 |
| Return on assets (ROA) | 0.4688% | 4,995 |
| Pretax return on assets | 0.6000% | 4,975 |
| Return on Equity (ROE) | 4.3252% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.3252% | 3,268 |
| Net charge-offs to loans | 0.2866% | 916 |
| Credit loss provision to net charge-offs | 9.6774% | 3,099 |
| Earnings coverage of net charge-offs (x) | 3.1935% | 3,226 |
| Efficiency ratio | 82.7676% | 1,401 |
| Assets per employee ($millions) | 4.8272% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4197% | 170 |
| Loan loss allowance to noncurrent loans | 90.9341% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 2.6309% | 694 |
| Noncurrent loans to loans | 3.7606% | 446 |
| Net loans and leases to total assets | 64.4028% | 3,207 |
| Net loans and leases to deposits | 72.7466% | 3,644 |
| Net loans and leases to core deposits | 76.0640% | 3,758 |
| Total domestic deposits to total assets | 88.5303% | 1,393 |
| Equity capital to assets | 11.1292% | 2,742 |
| Core capital (leverage) ratio | 10.8473% | 2,569 |
| Tier 1 risk-based capital ratio | 18.5637% | 1,904 |
| Total risk-based capital ratio | 19.8456% | 1,857 |
| Memoranda: | ||
| Average total assets | $191,992,670 | 3,077 |
| Average earning assets | $179,436,000 | 3,047 |
| Average equity | $20,808,330 | 3,130 |
| Average total loans | $129,777,330 | 2,915 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7652% | 4,149 |
| Cost of funding earning assets | 0.6327% | 1,216 |
| Net interest margin | 3.1325% | 4,842 |
| Noninterest income to average assets | 0.7738% | 1,814 |
| Noninterest expense to average assets | 3.0662% | 2,377 |
| Loan and lease loss provision to assets | 0.0310% | 3,275 |
| Net operating income to assets | 0.4374% | 4,919 |
| Return on assets (ROA) | 0.4374% | 5,040 |
| Pretax return on assets | 0.5984% | 4,918 |
| Return on Equity (ROE) | 4.0894% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.0894% | 3,551 |
| Net charge-offs to loans | -0.0394% | 5,399 |
| Credit loss provision to net charge-offs | -115.3846% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9704% | 1,499 |
| Assets per employee ($millions) | 4.7276% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4672% | 187 |
| Loan loss allowance to noncurrent loans | 84.1425% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 2.9608% | 641 |
| Noncurrent loans to loans | 4.1206% | 409 |
| Net loans and leases to total assets | 64.4794% | 3,033 |
| Net loans and leases to deposits | 72.5693% | 3,487 |
| Net loans and leases to core deposits | 75.8702% | 3,610 |
| Total domestic deposits to total assets | 88.8521% | 1,364 |
| Equity capital to assets | 10.7779% | 3,223 |
| Core capital (leverage) ratio | 10.6924% | 2,755 |
| Tier 1 risk-based capital ratio | 17.6384% | 2,259 |
| Total risk-based capital ratio | 18.9202% | 2,209 |
| Memoranda: | ||
| Average total assets | $193,858,000 | 3,071 |
| Average earning assets | $180,813,000 | 3,059 |
| Average equity | $20,736,500 | 3,161 |
| Average total loans | $131,896,500 | 2,885 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 3,897 |
| Cost of funding earning assets | 0.6849% | 1,180 |
| Net interest margin | 3.2705% | 4,684 |
| Noninterest income to average assets | 0.3664% | 4,463 |
| Noninterest expense to average assets | 2.8329% | 3,369 |
| Loan and lease loss provision to assets | 0.4772% | 335 |
| Net operating income to assets | 0.0972% | 5,956 |
| Return on assets (ROA) | 0.0972% | 5,986 |
| Pretax return on assets | 0.0937% | 5,994 |
| Return on Equity (ROE) | 0.9500% | 5,972 |
| Retained earnings to average equity (ytd only) | 0.9500% | 5,350 |
| Net charge-offs to loans | 0.2003% | 2,067 |
| Credit loss provision to net charge-offs | 323.8095% | 808 |
| Earnings coverage of net charge-offs (x) | 3.8741% | 3,792 |
| Efficiency ratio | 83.2278% | 1,493 |
| Assets per employee ($millions) | 4.4078% | 3,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3211% | 210 |
| Loan loss allowance to noncurrent loans | 62.3916% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 4.0971% | 403 |
| Noncurrent loans to loans | 5.3230% | 255 |
| Net loans and leases to total assets | 66.9595% | 2,736 |
| Net loans and leases to deposits | 75.3365% | 3,275 |
| Net loans and leases to core deposits | 78.7291% | 3,440 |
| Total domestic deposits to total assets | 88.8806% | 1,298 |
| Equity capital to assets | 10.6455% | 3,304 |
| Core capital (leverage) ratio | 10.5878% | 2,853 |
| Tier 1 risk-based capital ratio | 17.1359% | 2,459 |
| Total risk-based capital ratio | 18.4161% | 2,397 |
| Memoranda: | ||
| Average total assets | $199,509,800 | 3,009 |
| Average earning assets | $185,295,600 | 2,973 |
| Average equity | $20,421,400 | 3,115 |
| Average total loans | $146,805,000 | 2,615 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9876% | 3,807 |
| Cost of funding earning assets | 0.6877% | 1,218 |
| Net interest margin | 3.2999% | 4,605 |
| Noninterest income to average assets | 0.3783% | 4,409 |
| Noninterest expense to average assets | 2.7137% | 3,779 |
| Loan and lease loss provision to assets | 0.5820% | 235 |
| Net operating income to assets | 0.1301% | 5,979 |
| Return on assets (ROA) | 0.1301% | 6,010 |
| Pretax return on assets | 0.1493% | 6,010 |
| Return on Equity (ROE) | 1.2832% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.2832% | 5,382 |
| Net charge-offs to loans | 0.2312% | 1,662 |
| Credit loss provision to net charge-offs | 337.3077% | 830 |
| Earnings coverage of net charge-offs (x) | 4.2384% | 3,503 |
| Efficiency ratio | 78.7709% | 2,078 |
| Assets per employee ($millions) | 4.3862% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1347% | 314 |
| Loan loss allowance to noncurrent loans | 57.0323% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 4.4499% | 413 |
| Noncurrent loans to loans | 5.4964% | 289 |
| Net loans and leases to total assets | 70.7712% | 2,061 |
| Net loans and leases to deposits | 79.5761% | 2,761 |
| Net loans and leases to core deposits | 83.5747% | 2,935 |
| Total domestic deposits to total assets | 88.9352% | 1,276 |
| Equity capital to assets | 10.6570% | 3,362 |
| Core capital (leverage) ratio | 10.6404% | 2,872 |
| Tier 1 risk-based capital ratio | 16.2711% | 2,926 |
| Total risk-based capital ratio | 17.5492% | 2,854 |
| Memoranda: | ||
| Average total assets | $200,902,000 | 3,005 |
| Average earning assets | $186,705,750 | 2,975 |
| Average equity | $20,365,250 | 3,130 |
| Average total loans | $149,925,500 | 2,576 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,828 |
| Cost of funding earning assets | 0.6833% | 1,287 |
| Net interest margin | 3.2942% | 4,613 |
| Noninterest income to average assets | 0.3911% | 4,302 |
| Noninterest expense to average assets | 2.6226% | 4,161 |
| Loan and lease loss provision to assets | 0.7881% | 157 |
| Net operating income to assets | 0.0580% | 6,120 |
| Return on assets (ROA) | 0.0580% | 6,142 |
| Pretax return on assets | 0.0452% | 6,155 |
| Return on Equity (ROE) | 0.5813% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.5813% | 5,507 |
| Net charge-offs to loans | 0.3427% | 1,186 |
| Credit loss provision to net charge-offs | 306.1069% | 840 |
| Earnings coverage of net charge-offs (x) | 3.2366% | 3,361 |
| Efficiency ratio | 75.8885% | 2,659 |
| Assets per employee ($millions) | 4.5575% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9457% | 406 |
| Loan loss allowance to noncurrent loans | 52.9828% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 4.5629% | 424 |
| Noncurrent loans to loans | 5.5598% | 314 |
| Net loans and leases to total assets | 71.3564% | 1,852 |
| Net loans and leases to deposits | 79.7120% | 2,556 |
| Net loans and leases to core deposits | 84.3056% | 2,705 |
| Total domestic deposits to total assets | 89.5178% | 1,081 |
| Equity capital to assets | 10.1895% | 3,843 |
| Core capital (leverage) ratio | 10.1715% | 3,389 |
| Tier 1 risk-based capital ratio | 15.3261% | 3,456 |
| Total risk-based capital ratio | 16.6012% | 3,391 |
| Memoranda: | ||
| Average total assets | $203,539,000 | 2,989 |
| Average earning assets | $189,364,000 | 2,959 |
| Average equity | $20,298,000 | 3,139 |
| Average total loans | $152,900,000 | 2,530 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 3,610 |
| Cost of funding earning assets | 0.6786% | 1,375 |
| Net interest margin | 3.3385% | 4,385 |
| Noninterest income to average assets | 0.3180% | 4,830 |
| Noninterest expense to average assets | 2.5068% | 4,601 |
| Loan and lease loss provision to assets | 1.2719% | 85 |
| Net operating income to assets | -0.1931% | 6,349 |
| Return on assets (ROA) | -0.1931% | 6,355 |
| Pretax return on assets | -0.3511% | 6,413 |
| Return on Equity (ROE) | -1.9574% | 6,354 |
| Retained earnings to average equity (ytd only) | -1.9574% | 5,856 |
| Net charge-offs to loans | -0.0386% | 5,701 |
| Credit loss provision to net charge-offs | -4,346.6667% | 5,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1360% | 3,288 |
| Assets per employee ($millions) | 4.8026% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9268% | 468 |
| Loan loss allowance to noncurrent loans | 47.5988% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 5.0089% | 405 |
| Noncurrent loans to loans | 6.1489% | 292 |
| Net loans and leases to total assets | 71.7910% | 1,606 |
| Net loans and leases to deposits | 79.8179% | 2,313 |
| Net loans and leases to core deposits | 85.4852% | 2,368 |
| Total domestic deposits to total assets | 89.9434% | 1,100 |
| Equity capital to assets | 9.7888% | 4,121 |
| Core capital (leverage) ratio | 9.7979% | 3,868 |
| Tier 1 risk-based capital ratio | 14.7743% | 3,834 |
| Total risk-based capital ratio | 16.0490% | 3,770 |
| Memoranda: | ||
| Average total assets | $205,043,500 | 2,997 |
| Average earning assets | $190,984,500 | 2,959 |
| Average equity | $20,230,500 | 3,146 |
| Average total loans | $155,633,000 | 2,513 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 2,954 |
| Cost of funding earning assets | 0.7569% | 1,462 |
| Net interest margin | 3.5452% | 3,710 |
| Noninterest income to average assets | 0.3584% | 4,736 |
| Noninterest expense to average assets | 2.4184% | 5,021 |
| Loan and lease loss provision to assets | 2.2789% | 40 |
| Net operating income to assets | -0.5773% | 6,517 |
| Return on assets (ROA) | -0.5773% | 6,520 |
| Pretax return on assets | -1.0104% | 6,594 |
| Return on Equity (ROE) | -5.6712% | 6,501 |
| Retained earnings to average equity (ytd only) | -9.2523% | 6,523 |
| Net charge-offs to loans | 1.3252% | 376 |
| Credit loss provision to net charge-offs | 220.9995% | 1,036 |
| Earnings coverage of net charge-offs (x) | 1.2302% | 4,661 |
| Efficiency ratio | 65.5937% | 4,638 |
| Assets per employee ($millions) | 4.6267% | 2,691 |
| Cash dividends to net income (ytd only)* | -63.1450% | 6,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3988% | 935 |
| Loan loss allowance to noncurrent loans | 43.3885% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 4.7206% | 514 |
| Noncurrent loans to loans | 5.5286% | 409 |
| Net loans and leases to total assets | 76.0093% | 1,074 |
| Net loans and leases to deposits | 84.6727% | 1,840 |
| Net loans and leases to core deposits | 92.2041% | 1,780 |
| Total domestic deposits to total assets | 89.7684% | 1,202 |
| Equity capital to assets | 9.9452% | 3,843 |
| Core capital (leverage) ratio | 9.9846% | 3,600 |
| Tier 1 risk-based capital ratio | 14.4229% | 4,004 |
| Total risk-based capital ratio | 15.6911% | 3,935 |
| Memoranda: | ||
| Average total assets | $211,507,400 | 2,900 |
| Average earning assets | $198,579,200 | 2,839 |
| Average equity | $21,529,800 | 2,980 |
| Average total loans | $164,584,200 | 2,360 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3691% | 2,693 |
| Cost of funding earning assets | 0.7702% | 1,483 |
| Net interest margin | 3.5989% | 3,451 |
| Noninterest income to average assets | 0.3653% | 4,776 |
| Noninterest expense to average assets | 2.3595% | 5,152 |
| Loan and lease loss provision to assets | 1.9797% | 40 |
| Net operating income to assets | -0.3422% | 6,545 |
| Return on assets (ROA) | -0.3422% | 6,559 |
| Pretax return on assets | -0.5889% | 6,625 |
| Return on Equity (ROE) | -3.3438% | 6,538 |
| Retained earnings to average equity (ytd only) | -6.8707% | 6,570 |
| Net charge-offs to loans | 0.1742% | 2,831 |
| Credit loss provision to net charge-offs | 1,460.8295% | 220 |
| Earnings coverage of net charge-offs (x) | 10.2625% | 2,379 |
| Efficiency ratio | 62.9142% | 4,996 |
| Assets per employee ($millions) | 4.7085% | 2,560 |
| Cash dividends to net income (ytd only)* | -105.4746% | 6,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5044% | 930 |
| Loan loss allowance to noncurrent loans | 44.8182% | 5,450 |
| Noncurrent assets plus other real estate owned to assets | 4.8872% | 579 |
| Noncurrent loans to loans | 5.5878% | 483 |
| Net loans and leases to total assets | 77.3634% | 825 |
| Net loans and leases to deposits | 86.4488% | 1,568 |
| Net loans and leases to core deposits | 93.5771% | 1,611 |
| Total domestic deposits to total assets | 89.4904% | 1,303 |
| Equity capital to assets | 10.2093% | 3,631 |
| Core capital (leverage) ratio | 10.2301% | 3,359 |
| Tier 1 risk-based capital ratio | 14.7898% | 3,881 |
| Total risk-based capital ratio | 16.0596% | 3,826 |
| Memoranda: | ||
| Average total assets | $213,490,500 | 2,908 |
| Average earning assets | $200,799,750 | 2,844 |
| Average equity | $21,850,750 | 2,982 |
| Average total loans | $166,095,500 | 2,353 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 2,720 |
| Cost of funding earning assets | 0.8026% | 1,397 |
| Net interest margin | 3.5572% | 3,528 |
| Noninterest income to average assets | 0.4286% | 4,316 |
| Noninterest expense to average assets | 2.3080% | 5,358 |
| Loan and lease loss provision to assets | 2.8015% | 27 |
| Net operating income to assets | -0.9137% | 6,732 |
| Return on assets (ROA) | -0.9137% | 6,739 |
| Pretax return on assets | -1.3303% | 6,784 |
| Return on Equity (ROE) | -8.9205% | 6,722 |
| Retained earnings to average equity (ytd only) | -12.4072% | 6,717 |
| Net charge-offs to loans | 0.2700% | 2,126 |
| Credit loss provision to net charge-offs | 1,342.2222% | 234 |
| Earnings coverage of net charge-offs (x) | 7.0489% | 2,607 |
| Efficiency ratio | 61.0702% | 5,314 |
| Assets per employee ($millions) | 4.5589% | 2,720 |
| Cash dividends to net income (ytd only)* | -39.0863% | 6,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3739% | 1,129 |
| Loan loss allowance to noncurrent loans | 59.5338% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 3.6961% | 1,002 |
| Noncurrent loans to loans | 3.9875% | 978 |
| Net loans and leases to total assets | 77.6377% | 791 |
| Net loans and leases to deposits | 86.4854% | 1,516 |
| Net loans and leases to core deposits | 92.8975% | 1,624 |
| Total domestic deposits to total assets | 89.7697% | 1,164 |
| Equity capital to assets | 9.9743% | 3,950 |
| Core capital (leverage) ratio | 9.9893% | 3,544 |
| Tier 1 risk-based capital ratio | 14.5506% | 4,068 |
| Total risk-based capital ratio | 15.8194% | 4,020 |
| Memoranda: | ||
| Average total assets | $215,596,330 | 2,897 |
| Average earning assets | $203,082,670 | 2,835 |
| Average equity | $22,084,000 | 2,973 |
| Average total loans | $166,663,000 | 2,347 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3955% | 2,541 |
| Cost of funding earning assets | 0.8369% | 1,332 |
| Net interest margin | 3.5586% | 3,435 |
| Noninterest income to average assets | 0.3990% | 4,464 |
| Noninterest expense to average assets | 2.0811% | 5,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0616% | 1,986 |
| Return on assets (ROA) | 1.0616% | 2,102 |
| Pretax return on assets | 1.6802% | 1,125 |
| Return on Equity (ROE) | 10.2349% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.8292% | 2,236 |
| Net charge-offs to loans | -0.0144% | 5,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3285% | 6,125 |
| Assets per employee ($millions) | 4.8634% | 2,402 |
| Cash dividends to net income (ytd only)* | 33.2759% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 6,591 |
| Loan loss allowance to noncurrent loans | 67.3575% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.2885% | 3,394 |
| Noncurrent loans to loans | 1.0458% | 4,051 |
| Net loans and leases to total assets | 75.3609% | 917 |
| Net loans and leases to deposits | 84.5078% | 1,532 |
| Net loans and leases to core deposits | 92.3294% | 1,475 |
| Total domestic deposits to total assets | 89.1762% | 1,581 |
| Equity capital to assets | 10.4386% | 3,617 |
| Core capital (leverage) ratio | 10.3837% | 2,925 |
| Tier 1 risk-based capital ratio | 15.5858% | 3,479 |
| Total risk-based capital ratio | 16.3887% | 3,701 |
| Memoranda: | ||
| Average total assets | $218,539,500 | 2,887 |
| Average earning assets | $206,483,000 | 2,826 |
| Average equity | $22,667,500 | 2,964 |
| Average total loans | $166,608,000 | 2,358 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 3,640 |
| Cost of funding earning assets | 0.9840% | 1,439 |
| Net interest margin | 3.4591% | 4,671 |
| Noninterest income to average assets | 0.3613% | 4,897 |
| Noninterest expense to average assets | 2.0080% | 6,307 |
| Loan and lease loss provision to assets | 0.4182% | 1,526 |
| Net operating income to assets | 0.7917% | 3,320 |
| Return on assets (ROA) | 0.7917% | 3,572 |
| Pretax return on assets | 1.2267% | 2,697 |
| Return on Equity (ROE) | 7.9892% | 3,086 |
| Retained earnings to average equity (ytd only) | 5.0965% | 2,648 |
| Net charge-offs to loans | 0.2050% | 3,744 |
| Credit loss provision to net charge-offs | 275.2976% | 874 |
| Earnings coverage of net charge-offs (x) | 10.8274% | 2,099 |
| Efficiency ratio | 54.9697% | 6,175 |
| Assets per employee ($millions) | 5.0751% | 2,135 |
| Cash dividends to net income (ytd only)* | 36.2079% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 6,642 |
| Loan loss allowance to noncurrent loans | 31.1981% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 2.2238% | 2,202 |
| Noncurrent loans to loans | 2.2326% | 2,427 |
| Net loans and leases to total assets | 76.0462% | 908 |
| Net loans and leases to deposits | 85.2152% | 1,613 |
| Net loans and leases to core deposits | 93.8983% | 1,478 |
| Total domestic deposits to total assets | 89.2402% | 1,416 |
| Equity capital to assets | 10.3057% | 3,749 |
| Core capital (leverage) ratio | 10.2366% | 3,086 |
| Tier 1 risk-based capital ratio | 15.3751% | 3,499 |
| Total risk-based capital ratio | 16.1768% | 3,711 |
| Memoranda: | ||
| Average total assets | $221,169,600 | 2,830 |
| Average earning assets | $210,459,200 | 2,728 |
| Average equity | $21,917,200 | 2,984 |
| Average total loans | $163,924,000 | 2,372 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4208% | 3,959 |
| Cost of funding earning assets | 1.0029% | 1,539 |
| Net interest margin | 3.4179% | 4,970 |
| Noninterest income to average assets | 0.3407% | 5,082 |
| Noninterest expense to average assets | 1.9587% | 6,426 |
| Loan and lease loss provision to assets | 0.5233% | 1,150 |
| Net operating income to assets | 0.7186% | 3,835 |
| Return on assets (ROA) | 0.7186% | 4,080 |
| Pretax return on assets | 1.1164% | 3,291 |
| Return on Equity (ROE) | 7.3236% | 3,627 |
| Retained earnings to average equity (ytd only) | 4.6170% | 3,653 |
| Net charge-offs to loans | 0.2207% | 3,404 |
| Credit loss provision to net charge-offs | 322.5926% | 830 |
| Earnings coverage of net charge-offs (x) | 10.1074% | 2,225 |
| Efficiency ratio | 54.4331% | 6,208 |
| Assets per employee ($millions) | 5.0466% | 2,124 |
| Cash dividends to net income (ytd only)* | 36.9565% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7077% | 6,743 |
| Loan loss allowance to noncurrent loans | 36.6584% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 1.7627% | 2,965 |
| Noncurrent loans to loans | 1.9304% | 2,926 |
| Net loans and leases to total assets | 74.3100% | 1,201 |
| Net loans and leases to deposits | 82.7803% | 2,017 |
| Net loans and leases to core deposits | 91.5464% | 1,820 |
| Total domestic deposits to total assets | 89.7677% | 963 |
| Equity capital to assets | 9.9666% | 4,537 |
| Core capital (leverage) ratio | 9.8972% | 3,691 |
| Tier 1 risk-based capital ratio | 15.5656% | 3,499 |
| Total risk-based capital ratio | 16.3992% | 3,693 |
| Memoranda: | ||
| Average total assets | $221,905,000 | 2,839 |
| Average earning assets | $211,507,750 | 2,742 |
| Average equity | $21,774,000 | 3,024 |
| Average total loans | $163,125,500 | 2,414 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4183% | 4,114 |
| Cost of funding earning assets | 1.0150% | 1,675 |
| Net interest margin | 3.4033% | 5,073 |
| Noninterest income to average assets | 0.3128% | 5,311 |
| Noninterest expense to average assets | 1.9508% | 6,518 |
| Loan and lease loss provision to assets | 0.6950% | 794 |
| Net operating income to assets | 0.5923% | 4,405 |
| Return on assets (ROA) | 0.5923% | 4,661 |
| Pretax return on assets | 0.9132% | 4,028 |
| Return on Equity (ROE) | 6.0679% | 4,293 |
| Retained earnings to average equity (ytd only) | 3.7682% | 4,104 |
| Net charge-offs to loans | 0.1888% | 3,450 |
| Credit loss provision to net charge-offs | 503.9216% | 595 |
| Earnings coverage of net charge-offs (x) | 11.6601% | 1,944 |
| Efficiency ratio | 54.8126% | 6,243 |
| Assets per employee ($millions) | 5.2098% | 1,918 |
| Cash dividends to net income (ytd only)* | 37.8995% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 6,792 |
| Loan loss allowance to noncurrent loans | 34.8219% | 5,931 |
| Noncurrent assets plus other real estate owned to assets | 1.8280% | 3,000 |
| Noncurrent loans to loans | 2.0882% | 2,836 |
| Net loans and leases to total assets | 72.7051% | 1,445 |
| Net loans and leases to deposits | 80.6810% | 2,280 |
| Net loans and leases to core deposits | 89.0411% | 2,095 |
| Total domestic deposits to total assets | 90.1143% | 861 |
| Equity capital to assets | 9.7201% | 4,732 |
| Core capital (leverage) ratio | 9.6548% | 3,916 |
| Tier 1 risk-based capital ratio | 15.5155% | 3,430 |
| Total risk-based capital ratio | 16.3720% | 3,654 |
| Memoranda: | ||
| Average total assets | $221,856,330 | 2,847 |
| Average earning assets | $211,618,330 | 2,740 |
| Average equity | $21,655,000 | 3,023 |
| Average total loans | $162,106,670 | 2,437 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 4,306 |
| Cost of funding earning assets | 1.0295% | 1,816 |
| Net interest margin | 3.3766% | 5,213 |
| Noninterest income to average assets | 0.3334% | 5,193 |
| Noninterest expense to average assets | 1.9205% | 6,609 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0400% | 2,326 |
| Return on assets (ROA) | 1.0400% | 2,516 |
| Pretax return on assets | 1.6397% | 1,455 |
| Return on Equity (ROE) | 10.6321% | 2,169 |
| Retained earnings to average equity (ytd only) | 9.5948% | 1,383 |
| Net charge-offs to loans | -0.0174% | 6,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9440% | 6,357 |
| Assets per employee ($millions) | 5.6059% | 1,604 |
| Cash dividends to net income (ytd only)* | 9.7561% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3595% | 7,150 |
| Loan loss allowance to noncurrent loans | 17.2097% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 1.8356% | 3,132 |
| Noncurrent loans to loans | 2.0892% | 3,045 |
| Net loans and leases to total assets | 71.8060% | 1,436 |
| Net loans and leases to deposits | 79.8824% | 2,215 |
| Net loans and leases to core deposits | 88.7913% | 1,973 |
| Total domestic deposits to total assets | 89.8897% | 1,144 |
| Equity capital to assets | 9.7362% | 4,472 |
| Core capital (leverage) ratio | 9.6867% | 3,783 |
| Tier 1 risk-based capital ratio | 15.5931% | 3,395 |
| Total risk-based capital ratio | 16.0102% | 3,881 |
| Memoranda: | ||
| Average total assets | $220,774,500 | 2,886 |
| Average earning assets | $210,984,500 | 2,759 |
| Average equity | $21,595,000 | 3,024 |
| Average total loans | $161,126,500 | 2,466 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 5,286 |
| Cost of funding earning assets | 1.3156% | 1,413 |
| Net interest margin | 3.1225% | 6,289 |
| Noninterest income to average assets | 0.2984% | 5,391 |
| Noninterest expense to average assets | 1.9490% | 6,763 |
| Loan and lease loss provision to assets | 0.0454% | 6,010 |
| Net operating income to assets | 0.8167% | 2,967 |
| Return on assets (ROA) | 0.8167% | 3,133 |
| Pretax return on assets | 1.2968% | 2,144 |
| Return on Equity (ROE) | 8.2988% | 2,765 |
| Retained earnings to average equity (ytd only) | 6.5448% | 1,720 |
| Net charge-offs to loans | 0.1097% | 5,270 |
| Credit loss provision to net charge-offs | 55.5556% | 5,280 |
| Earnings coverage of net charge-offs (x) | 16.4152% | 1,329 |
| Efficiency ratio | 59.2184% | 5,862 |
| Assets per employee ($millions) | 5.8733% | 1,320 |
| Cash dividends to net income (ytd only)* | 21.1358% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3579% | 7,191 |
| Loan loss allowance to noncurrent loans | 14.9818% | 6,746 |
| Noncurrent assets plus other real estate owned to assets | 2.5944% | 2,340 |
| Noncurrent loans to loans | 2.3889% | 2,734 |
| Net loans and leases to total assets | 73.6643% | 1,331 |
| Net loans and leases to deposits | 81.9618% | 2,209 |
| Net loans and leases to core deposits | 90.2491% | 2,089 |
| Total domestic deposits to total assets | 89.8764% | 1,056 |
| Equity capital to assets | 9.8282% | 4,400 |
| Core capital (leverage) ratio | 9.7639% | 3,655 |
| Tier 1 risk-based capital ratio | 16.2907% | 2,912 |
| Total risk-based capital ratio | 16.7325% | 3,295 |
| Memoranda: | ||
| Average total assets | $209,137,800 | 2,953 |
| Average earning assets | $200,447,800 | 2,846 |
| Average equity | $20,581,200 | 3,055 |
| Average total loans | $155,848,400 | 2,556 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 5,372 |
| Cost of funding earning assets | 1.3687% | 1,381 |
| Net interest margin | 3.0955% | 6,389 |
| Noninterest income to average assets | 0.3039% | 5,436 |
| Noninterest expense to average assets | 1.9746% | 6,741 |
| Loan and lease loss provision to assets | 0.0064% | 6,345 |
| Net operating income to assets | 0.8118% | 3,098 |
| Return on assets (ROA) | 0.8118% | 3,265 |
| Pretax return on assets | 1.2889% | 2,324 |
| Return on Equity (ROE) | 8.2469% | 2,938 |
| Retained earnings to average equity (ytd only) | 6.2522% | 2,400 |
| Net charge-offs to loans | 0.0535% | 5,436 |
| Credit loss provision to net charge-offs | 16.1290% | 5,607 |
| Earnings coverage of net charge-offs (x) | 32.4534% | 882 |
| Efficiency ratio | 60.3859% | 5,652 |
| Assets per employee ($millions) | 5.7982% | 1,353 |
| Cash dividends to net income (ytd only)* | 24.1874% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3827% | 7,243 |
| Loan loss allowance to noncurrent loans | 17.1625% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 2.4159% | 2,667 |
| Noncurrent loans to loans | 2.2297% | 3,076 |
| Net loans and leases to total assets | 72.8060% | 1,548 |
| Net loans and leases to deposits | 80.9743% | 2,526 |
| Net loans and leases to core deposits | 89.6409% | 2,299 |
| Total domestic deposits to total assets | 89.9125% | 910 |
| Equity capital to assets | 9.7836% | 4,648 |
| Core capital (leverage) ratio | 9.7082% | 3,836 |
| Tier 1 risk-based capital ratio | 16.3089% | 2,966 |
| Total risk-based capital ratio | 16.7791% | 3,330 |
| Memoranda: | ||
| Average total assets | $207,094,000 | 2,994 |
| Average earning assets | $198,435,250 | 2,883 |
| Average equity | $20,387,000 | 3,089 |
| Average total loans | $154,646,250 | 2,596 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 5,416 |
| Cost of funding earning assets | 1.4392% | 1,238 |
| Net interest margin | 3.0408% | 6,521 |
| Noninterest income to average assets | 0.2815% | 5,635 |
| Noninterest expense to average assets | 1.9940% | 6,810 |
| Loan and lease loss provision to assets | 0.0098% | 6,142 |
| Net operating income to assets | 0.7507% | 3,288 |
| Return on assets (ROA) | 0.7507% | 3,409 |
| Pretax return on assets | 1.1896% | 2,526 |
| Return on Equity (ROE) | 7.6091% | 3,137 |
| Retained earnings to average equity (ytd only) | 5.1421% | 2,913 |
| Net charge-offs to loans | 0.0754% | 4,892 |
| Credit loss provision to net charge-offs | 17.2414% | 5,173 |
| Earnings coverage of net charge-offs (x) | 21.1552% | 1,159 |
| Efficiency ratio | 62.4426% | 5,513 |
| Assets per employee ($millions) | 6.0154% | 1,178 |
| Cash dividends to net income (ytd only)* | 32.4219% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3866% | 7,302 |
| Loan loss allowance to noncurrent loans | 16.8201% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 2.6579% | 2,511 |
| Noncurrent loans to loans | 2.2983% | 3,104 |
| Net loans and leases to total assets | 73.8021% | 1,451 |
| Net loans and leases to deposits | 81.9976% | 2,457 |
| Net loans and leases to core deposits | 91.1220% | 2,236 |
| Total domestic deposits to total assets | 90.0052% | 975 |
| Equity capital to assets | 9.7411% | 4,479 |
| Core capital (leverage) ratio | 9.6828% | 3,683 |
| Tier 1 risk-based capital ratio | 16.1557% | 2,900 |
| Total risk-based capital ratio | 16.6339% | 3,256 |
| Memoranda: | ||
| Average total assets | $204,614,330 | 3,047 |
| Average earning assets | $195,937,670 | 2,924 |
| Average equity | $20,186,330 | 3,095 |
| Average total loans | $153,930,670 | 2,625 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 5,569 |
| Cost of funding earning assets | 1.4980% | 1,164 |
| Net interest margin | 2.9379% | 6,693 |
| Noninterest income to average assets | 0.3650% | 4,993 |
| Noninterest expense to average assets | 1.9678% | 6,878 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7597% | 3,225 |
| Return on assets (ROA) | 0.7597% | 3,286 |
| Pretax return on assets | 1.2100% | 2,339 |
| Return on Equity (ROE) | 7.6504% | 3,071 |
| Retained earnings to average equity (ytd only) | 3.7953% | 3,898 |
| Net charge-offs to loans | 0.1360% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.7308% | 1,536 |
| Efficiency ratio | 61.9226% | 5,696 |
| Assets per employee ($millions) | 6.1895% | 1,075 |
| Cash dividends to net income (ytd only)* | 50.3916% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3911% | 7,353 |
| Loan loss allowance to noncurrent loans | 19.6651% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 2.5342% | 2,696 |
| Noncurrent loans to loans | 1.9887% | 3,585 |
| Net loans and leases to total assets | 72.4991% | 1,611 |
| Net loans and leases to deposits | 80.4533% | 2,623 |
| Net loans and leases to core deposits | 87.4723% | 2,672 |
| Total domestic deposits to total assets | 90.1133% | 1,087 |
| Equity capital to assets | 9.5598% | 4,354 |
| Core capital (leverage) ratio | 9.5267% | 3,762 |
| Tier 1 risk-based capital ratio | 16.2558% | 2,780 |
| Total risk-based capital ratio | 16.7417% | 3,115 |
| Memoranda: | ||
| Average total assets | $201,651,500 | 3,092 |
| Average earning assets | $193,060,500 | 2,971 |
| Average equity | $20,025,000 | 3,109 |
| Average total loans | $152,903,000 | 2,665 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 5,384 |
| Cost of funding earning assets | 2.0533% | 503 |
| Net interest margin | 2.7537% | 7,082 |
| Noninterest income to average assets | 0.3182% | 5,515 |
| Noninterest expense to average assets | 1.8932% | 7,170 |
| Loan and lease loss provision to assets | 0.4906% | 3,205 |
| Net operating income to assets | 0.3875% | 4,600 |
| Return on assets (ROA) | 0.3875% | 4,742 |
| Pretax return on assets | 0.5740% | 4,408 |
| Return on Equity (ROE) | 3.7759% | 4,621 |
| Retained earnings to average equity (ytd only) | 2.6391% | 4,013 |
| Net charge-offs to loans | 0.2023% | 5,076 |
| Credit loss provision to net charge-offs | 310.8911% | 851 |
| Earnings coverage of net charge-offs (x) | 6.7459% | 2,289 |
| Efficiency ratio | 64.0077% | 5,355 |
| Assets per employee ($millions) | 5.6723% | 1,444 |
| Cash dividends to net income (ytd only)* | 30.1075% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4265% | 7,408 |
| Loan loss allowance to noncurrent loans | 16.5354% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 3.0862% | 2,287 |
| Noncurrent loans to loans | 2.5793% | 2,953 |
| Net loans and leases to total assets | 78.8068% | 835 |
| Net loans and leases to deposits | 88.1845% | 1,760 |
| Net loans and leases to core deposits | 97.0617% | 1,886 |
| Total domestic deposits to total assets | 89.3658% | 1,454 |
| Equity capital to assets | 10.3350% | 3,345 |
| Core capital (leverage) ratio | 10.2964% | 2,772 |
| Tier 1 risk-based capital ratio | 16.4267% | 2,554 |
| Total risk-based capital ratio | 16.9654% | 2,849 |
| Memoranda: | ||
| Average total assets | $192,001,200 | 3,201 |
| Average earning assets | $184,042,600 | 3,074 |
| Average equity | $19,703,800 | 3,185 |
| Average total loans | $149,782,600 | 2,774 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 5,649 |
| Cost of funding earning assets | 2.1531% | 444 |
| Net interest margin | 2.6495% | 7,273 |
| Noninterest income to average assets | 0.2836% | 5,840 |
| Noninterest expense to average assets | 1.8096% | 7,317 |
| Loan and lease loss provision to assets | 0.4637% | 3,151 |
| Net operating income to assets | 0.3719% | 4,876 |
| Return on assets (ROA) | 0.3719% | 5,061 |
| Pretax return on assets | 0.5520% | 4,754 |
| Return on Equity (ROE) | 3.6307% | 4,945 |
| Retained earnings to average equity (ytd only) | 2.4906% | 4,679 |
| Net charge-offs to loans | 0.2764% | 4,286 |
| Credit loss provision to net charge-offs | 215.8576% | 1,610 |
| Earnings coverage of net charge-offs (x) | 4.7281% | 2,943 |
| Efficiency ratio | 64.0502% | 5,228 |
| Assets per employee ($millions) | 5.6409% | 1,509 |
| Cash dividends to net income (ytd only)* | 31.4011% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2463% | 7,621 |
| Loan loss allowance to noncurrent loans | 7.7115% | 7,207 |
| Noncurrent assets plus other real estate owned to assets | 3.5106% | 2,029 |
| Noncurrent loans to loans | 3.1944% | 2,495 |
| Net loans and leases to total assets | 78.3341% | 977 |
| Net loans and leases to deposits | 87.6115% | 2,062 |
| Net loans and leases to core deposits | 95.5214% | 2,317 |
| Total domestic deposits to total assets | 89.4108% | 1,166 |
| Equity capital to assets | 10.3207% | 3,738 |
| Core capital (leverage) ratio | 10.2734% | 2,950 |
| Tier 1 risk-based capital ratio | 16.3440% | 2,617 |
| Total risk-based capital ratio | 16.6519% | 3,010 |
| Memoranda: | ||
| Average total assets | $191,786,750 | 3,260 |
| Average earning assets | $183,980,250 | 3,123 |
| Average equity | $19,646,750 | 3,235 |
| Average total loans | $149,069,000 | 2,827 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8763% | 5,496 |
| Cost of funding earning assets | 2.2492% | 399 |
| Net interest margin | 2.6271% | 7,325 |
| Noninterest income to average assets | 0.2951% | 5,786 |
| Noninterest expense to average assets | 1.8187% | 7,366 |
| Loan and lease loss provision to assets | 0.1721% | 5,143 |
| Net operating income to assets | 0.5371% | 4,162 |
| Return on assets (ROA) | 0.5371% | 4,308 |
| Pretax return on assets | 0.8270% | 3,794 |
| Return on Equity (ROE) | 5.2557% | 4,152 |
| Retained earnings to average equity (ytd only) | 4.1127% | 3,455 |
| Net charge-offs to loans | 0.3016% | 3,806 |
| Credit loss provision to net charge-offs | 73.6607% | 4,868 |
| Earnings coverage of net charge-offs (x) | 4.2768% | 3,006 |
| Efficiency ratio | 64.5448% | 5,236 |
| Assets per employee ($millions) | 5.6458% | 1,494 |
| Cash dividends to net income (ytd only)* | 21.7476% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2270% | 7,694 |
| Loan loss allowance to noncurrent loans | 5.9313% | 7,302 |
| Noncurrent assets plus other real estate owned to assets | 3.5248% | 1,988 |
| Noncurrent loans to loans | 3.8279% | 2,012 |
| Net loans and leases to total assets | 78.2935% | 1,064 |
| Net loans and leases to deposits | 87.6024% | 2,247 |
| Net loans and leases to core deposits | 95.5047% | 2,510 |
| Total domestic deposits to total assets | 89.3736% | 1,238 |
| Equity capital to assets | 10.3336% | 3,608 |
| Core capital (leverage) ratio | 10.2841% | 2,847 |
| Tier 1 risk-based capital ratio | 16.0210% | 2,662 |
| Total risk-based capital ratio | 16.2987% | 3,098 |
| Memoranda: | ||
| Average total assets | $191,785,670 | 3,278 |
| Average earning assets | $184,156,330 | 3,142 |
| Average equity | $19,597,670 | 3,233 |
| Average total loans | $148,556,000 | 2,864 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 5,806 |
| Cost of funding earning assets | 2.3650% | 341 |
| Net interest margin | 2.4562% | 7,504 |
| Noninterest income to average assets | 0.2733% | 5,969 |
| Noninterest expense to average assets | 1.7861% | 7,480 |
| Loan and lease loss provision to assets | 0.3443% | 3,316 |
| Net operating income to assets | 0.3422% | 5,116 |
| Return on assets (ROA) | 0.3422% | 5,240 |
| Pretax return on assets | 0.5029% | 4,949 |
| Return on Equity (ROE) | 3.3678% | 5,179 |
| Retained earnings to average equity (ytd only) | 2.2178% | 4,797 |
| Net charge-offs to loans | 0.4447% | 2,717 |
| Credit loss provision to net charge-offs | 100.6098% | 3,368 |
| Earnings coverage of net charge-offs (x) | 2.4756% | 3,305 |
| Efficiency ratio | 67.8288% | 4,750 |
| Assets per employee ($millions) | 6.0569% | 1,220 |
| Cash dividends to net income (ytd only)* | 34.1463% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2656% | 7,776 |
| Loan loss allowance to noncurrent loans | 7.4032% | 7,365 |
| Noncurrent assets plus other real estate owned to assets | 2.8898% | 2,485 |
| Noncurrent loans to loans | 3.5875% | 2,227 |
| Net loans and leases to total assets | 75.9470% | 1,552 |
| Net loans and leases to deposits | 84.6923% | 2,818 |
| Net loans and leases to core deposits | 93.2248% | 2,947 |
| Total domestic deposits to total assets | 89.6740% | 1,149 |
| Equity capital to assets | 10.0788% | 3,770 |
| Core capital (leverage) ratio | 10.0315% | 3,127 |
| Tier 1 risk-based capital ratio | 16.0230% | 2,652 |
| Total risk-based capital ratio | 16.3462% | 3,025 |
| Memoranda: | ||
| Average total assets | $191,700,500 | 3,343 |
| Average earning assets | $184,185,000 | 3,201 |
| Average equity | $19,478,500 | 3,269 |
| Average total loans | $147,518,500 | 2,935 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 5,602 |
| Cost of funding earning assets | 2.7560% | 505 |
| Net interest margin | 2.4551% | 7,469 |
| Noninterest income to average assets | 0.2971% | 5,980 |
| Noninterest expense to average assets | 1.7609% | 7,651 |
| Loan and lease loss provision to assets | 0.0815% | 6,795 |
| Net operating income to assets | 0.5361% | 3,585 |
| Return on assets (ROA) | 0.5361% | 3,676 |
| Pretax return on assets | 0.8261% | 3,163 |
| Return on Equity (ROE) | 5.1685% | 3,595 |
| Retained earnings to average equity (ytd only) | 3.9955% | 2,415 |
| Net charge-offs to loans | 0.0892% | 6,233 |
| Credit loss provision to net charge-offs | 113.6364% | 4,822 |
| Earnings coverage of net charge-offs (x) | 12.6591% | 1,492 |
| Efficiency ratio | 65.9882% | 5,394 |
| Assets per employee ($millions) | 6.1155% | 1,175 |
| Cash dividends to net income (ytd only)* | 22.6950% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2632% | 7,847 |
| Loan loss allowance to noncurrent loans | 6.3648% | 7,413 |
| Noncurrent assets plus other real estate owned to assets | 3.4076% | 1,986 |
| Noncurrent loans to loans | 4.1345% | 1,775 |
| Net loans and leases to total assets | 77.5692% | 1,472 |
| Net loans and leases to deposits | 86.6988% | 2,802 |
| Net loans and leases to core deposits | 128.2497% | 1,379 |
| Total domestic deposits to total assets | 89.4698% | 1,225 |
| Equity capital to assets | 10.2448% | 3,466 |
| Core capital (leverage) ratio | 10.1989% | 2,885 |
| Tier 1 risk-based capital ratio | 15.5727% | 2,685 |
| Total risk-based capital ratio | 15.8854% | 3,092 |
| Memoranda: | ||
| Average total assets | $184,115,400 | 3,361 |
| Average earning assets | $177,832,800 | 3,241 |
| Average equity | $19,096,400 | 3,330 |
| Average total loans | $147,935,000 | 2,955 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3007% | 5,419 |
| Cost of funding earning assets | 2.7959% | 602 |
| Net interest margin | 2.5048% | 7,460 |
| Noninterest income to average assets | 0.2991% | 6,082 |
| Noninterest expense to average assets | 1.7393% | 7,721 |
| Loan and lease loss provision to assets | 0.0219% | 7,134 |
| Net operating income to assets | 0.6282% | 3,501 |
| Return on assets (ROA) | 0.6282% | 3,566 |
| Pretax return on assets | 0.9609% | 3,022 |
| Return on Equity (ROE) | 6.0372% | 3,511 |
| Retained earnings to average equity (ytd only) | 4.8592% | 2,575 |
| Net charge-offs to loans | 0.0549% | 6,158 |
| Credit loss provision to net charge-offs | 49.1803% | 6,321 |
| Earnings coverage of net charge-offs (x) | 22.0824% | 1,176 |
| Efficiency ratio | 63.8971% | 5,777 |
| Assets per employee ($millions) | 5.9264% | 1,263 |
| Cash dividends to net income (ytd only)* | 19.5118% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2290% | 7,958 |
| Loan loss allowance to noncurrent loans | 7.3309% | 7,485 |
| Noncurrent assets plus other real estate owned to assets | 2.4804% | 2,781 |
| Noncurrent loans to loans | 3.1243% | 2,416 |
| Net loans and leases to total assets | 77.4082% | 1,693 |
| Net loans and leases to deposits | 86.5056% | 3,226 |
| Net loans and leases to core deposits | 131.5341% | 1,347 |
| Total domestic deposits to total assets | 89.4835% | 976 |
| Equity capital to assets | 10.2097% | 3,835 |
| Core capital (leverage) ratio | 10.1594% | 3,104 |
| Tier 1 risk-based capital ratio | 16.3113% | 2,513 |
| Total risk-based capital ratio | 16.5968% | 2,833 |
| Memoranda: | ||
| Average total assets | $182,749,500 | 3,420 |
| Average earning assets | $176,776,250 | 3,278 |
| Average equity | $19,015,000 | 3,366 |
| Average total loans | $148,058,000 | 2,981 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4098% | 5,098 |
| Cost of funding earning assets | 2.8355% | 717 |
| Net interest margin | 2.5743% | 7,385 |
| Noninterest income to average assets | 0.2915% | 6,189 |
| Noninterest expense to average assets | 1.7323% | 7,800 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6827% | 3,330 |
| Return on assets (ROA) | 0.6827% | 3,446 |
| Pretax return on assets | 1.0496% | 2,810 |
| Return on Equity (ROE) | 6.5187% | 3,428 |
| Retained earnings to average equity (ytd only) | 5.3335% | 2,333 |
| Net charge-offs to loans | 0.0148% | 6,327 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 86.0909% | 449 |
| Efficiency ratio | 62.2709% | 6,207 |
| Assets per employee ($millions) | 5.5721% | 1,526 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2444% | 8,031 |
| Loan loss allowance to noncurrent loans | 7.3745% | 7,525 |
| Noncurrent assets plus other real estate owned to assets | 2.6909% | 2,386 |
| Noncurrent loans to loans | 3.3139% | 2,126 |
| Net loans and leases to total assets | 79.2515% | 1,473 |
| Net loans and leases to deposits | 88.7826% | 3,037 |
| Net loans and leases to core deposits | 132.6253% | 1,396 |
| Total domestic deposits to total assets | 89.2646% | 1,136 |
| Equity capital to assets | 10.3993% | 3,516 |
| Core capital (leverage) ratio | 10.3515% | 2,948 |
| Tier 1 risk-based capital ratio | 16.6626% | 2,404 |
| Total risk-based capital ratio | 16.9753% | 2,656 |
| Memoranda: | ||
| Average total assets | $180,451,330 | 3,477 |
| Average earning assets | $174,572,000 | 3,337 |
| Average equity | $18,899,330 | 3,409 |
| Average total loans | $148,365,000 | 3,014 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5616% | 4,570 |
| Cost of funding earning assets | 2.8837% | 803 |
| Net interest margin | 2.6779% | 7,251 |
| Noninterest income to average assets | 0.2753% | 6,225 |
| Noninterest expense to average assets | 1.6963% | 7,827 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7564% | 3,321 |
| Return on assets (ROA) | 0.7564% | 3,498 |
| Pretax return on assets | 1.1704% | 2,725 |
| Return on Equity (ROE) | 7.1961% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.0038% | 2,626 |
| Net charge-offs to loans | 0.0294% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 47.5455% | 759 |
| Efficiency ratio | 59.1725% | 6,529 |
| Assets per employee ($millions) | 5.6436% | 1,440 |
| Cash dividends to net income (ytd only)* | 16.5680% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2402% | 8,077 |
| Loan loss allowance to noncurrent loans | 20.1695% | 7,160 |
| Noncurrent assets plus other real estate owned to assets | 1.0072% | 4,680 |
| Noncurrent loans to loans | 1.1911% | 4,590 |
| Net loans and leases to total assets | 82.0880% | 1,002 |
| Net loans and leases to deposits | 92.0931% | 2,582 |
| Net loans and leases to core deposits | 136.3608% | 1,280 |
| Total domestic deposits to total assets | 89.1359% | 1,178 |
| Equity capital to assets | 10.4765% | 3,484 |
| Core capital (leverage) ratio | 10.4399% | 2,995 |
| Tier 1 risk-based capital ratio | 11.6692% | 5,235 |
| Total risk-based capital ratio | 11.8904% | 6,170 |
| Memoranda: | ||
| Average total assets | $178,738,000 | 3,528 |
| Average earning assets | $172,971,500 | 3,373 |
| Average equity | $18,788,000 | 3,442 |
| Average total loans | $149,506,000 | 3,011 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8518% | 6,262 |
| Cost of funding earning assets | 3.3102% | 897 |
| Net interest margin | 2.5416% | 7,706 |
| Noninterest income to average assets | 0.2668% | 6,552 |
| Noninterest expense to average assets | 1.6468% | 7,920 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7098% | 3,849 |
| Return on assets (ROA) | 0.7098% | 3,681 |
| Pretax return on assets | 1.0851% | 3,071 |
| Return on Equity (ROE) | 6.8116% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.5781% | 1,723 |
| Net charge-offs to loans | 0.0199% | 6,580 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 65.2069% | 621 |
| Efficiency ratio | 60.2815% | 6,288 |
| Assets per employee ($millions) | 5.0538% | 1,901 |
| Cash dividends to net income (ytd only)* | 18.1083% | 4,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2447% | 8,129 |
| Loan loss allowance to noncurrent loans | 17.4656% | 7,326 |
| Noncurrent assets plus other real estate owned to assets | 1.2189% | 3,800 |
| Noncurrent loans to loans | 1.4008% | 3,713 |
| Net loans and leases to total assets | 84.8255% | 753 |
| Net loans and leases to deposits | 95.2224% | 2,575 |
| Net loans and leases to core deposits | 141.3707% | 1,192 |
| Total domestic deposits to total assets | 89.0814% | 1,012 |
| Equity capital to assets | 10.5471% | 3,443 |
| Core capital (leverage) ratio | 10.5005% | 2,979 |
| Tier 1 risk-based capital ratio | 15.7269% | 2,769 |
| Total risk-based capital ratio | 16.0388% | 3,074 |
| Memoranda: | ||
| Average total assets | $174,276,000 | 3,489 |
| Average earning assets | $169,025,000 | 3,349 |
| Average equity | $18,160,200 | 3,535 |
| Average total loans | $145,499,000 | 3,001 |