Home > Perpetual Federal Savings Bank of Urbana > Performance and Condition Ratios
Perpetual Federal Savings Bank of Urbana, Performance and Condition Ratios
| 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 | 3.8734% | 1,843 |
| Cost of funding earning assets | 1.2589% | 29 |
| Net interest margin | 2.6145% | 4,110 |
| Noninterest income to average assets | 0.0625% | 4,773 |
| Noninterest expense to average assets | 2.0573% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5470% | 4,105 |
| Return on assets (ROA) | 0.7265% | 3,766 |
| Pretax return on assets | 0.7523% | 3,978 |
| Return on Equity (ROE) | 3.6231% | 4,363 |
| Retained earnings to average equity (ytd only) | -0.5587% | 4,622 |
| Net charge-offs to loans | 0.0484% | 1,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 13.8099% | 1,910 |
| Efficiency ratio | 78.3857% | 846 |
| Assets per employee ($millions) | 19.6763% | 109 |
| Cash dividends to net income (ytd only)* | 115.4206% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4643% | 1,766 |
| Loan loss allowance to noncurrent loans | 603.6496% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 2,734 |
| Noncurrent loans to loans | 0.2426% | 2,965 |
| Net loans and leases to total assets | 84.8508% | 92 |
| Net loans and leases to deposits | 108.4662% | 108 |
| Net loans and leases to core deposits | 129.5571% | 124 |
| Total domestic deposits to total assets | 78.2279% | 4,398 |
| Equity capital to assets | 19.8289% | 203 |
| Core capital (leverage) ratio | 19.5403% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6000% | 171 |
| Memoranda: | ||
| Average total assets | $392,739,500 | 2,033 |
| Average earning assets | $384,869,750 | 1,971 |
| Average equity | $78,752,250 | 1,239 |
| Average total loans | $333,525,250 | 1,609 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9030% | 1,807 |
| Cost of funding earning assets | 1.2920% | 30 |
| Net interest margin | 2.6110% | 4,147 |
| Noninterest income to average assets | 0.0708% | 4,784 |
| Noninterest expense to average assets | 1.1568% | 4,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1726% | 2,287 |
| Return on assets (ROA) | 1.1726% | 2,354 |
| Pretax return on assets | 1.4742% | 2,100 |
| Return on Equity (ROE) | 5.8259% | 3,951 |
| Retained earnings to average equity (ytd only) | 1.1368% | 4,310 |
| Net charge-offs to loans | 0.0916% | 789 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 19.0329% | 1,553 |
| Efficiency ratio | 43.9667% | 4,620 |
| Assets per employee ($millions) | 19.7416% | 97 |
| Cash dividends to net income (ytd only)* | 80.4867% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 1,682 |
| Loan loss allowance to noncurrent loans | 587.6043% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 2,878 |
| Noncurrent loans to loans | 0.2504% | 3,048 |
| Net loans and leases to total assets | 83.6021% | 148 |
| Net loans and leases to deposits | 106.6761% | 152 |
| Net loans and leases to core deposits | 128.1796% | 143 |
| Total domestic deposits to total assets | 78.3700% | 4,402 |
| Equity capital to assets | 20.0468% | 185 |
| Core capital (leverage) ratio | 20.0458% | 180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6803% | 181 |
| Memoranda: | ||
| Average total assets | $392,477,333 | 2,027 |
| Average earning assets | $384,834,667 | 1,964 |
| Average equity | $78,992,333 | 1,234 |
| Average total loans | $331,743,000 | 1,620 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 1,767 |
| Cost of funding earning assets | 1.3272% | 35 |
| Net interest margin | 2.5992% | 4,153 |
| Noninterest income to average assets | 0.0685% | 4,799 |
| Noninterest expense to average assets | 1.0958% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2103% | 2,105 |
| Return on assets (ROA) | 1.2103% | 2,192 |
| Pretax return on assets | 1.5211% | 1,941 |
| Return on Equity (ROE) | 6.0015% | 3,857 |
| Retained earnings to average equity (ytd only) | 2.8690% | 3,820 |
| Net charge-offs to loans | 0.2145% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.4068% | 1,578 |
| Efficiency ratio | 41.8750% | 4,675 |
| Assets per employee ($millions) | 19.5300% | 100 |
| Cash dividends to net income (ytd only)* | 52.1959% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,598 |
| Loan loss allowance to noncurrent loans | 553.7246% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 3,017 |
| Noncurrent loans to loans | 0.2714% | 3,136 |
| Net loans and leases to total assets | 82.3264% | 213 |
| Net loans and leases to deposits | 105.3786% | 180 |
| Net loans and leases to core deposits | 126.3560% | 179 |
| Total domestic deposits to total assets | 78.1244% | 4,424 |
| Equity capital to assets | 20.2515% | 177 |
| Core capital (leverage) ratio | 20.2493% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5534% | 178 |
| Memoranda: | ||
| Average total assets | $391,300,000 | 2,026 |
| Average earning assets | $383,659,000 | 1,956 |
| Average equity | $78,913,000 | 1,226 |
| Average total loans | $330,105,500 | 1,627 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 2,271 |
| Cost of funding earning assets | 1.5378% | 71 |
| Net interest margin | 2.6154% | 4,483 |
| Noninterest income to average assets | 0.0458% | 4,869 |
| Noninterest expense to average assets | 1.0818% | 4,917 |
| Loan and lease loss provision to assets | -0.0231% | 4,916 |
| Net operating income to assets | 1.2290% | 1,450 |
| Return on assets (ROA) | 1.2290% | 1,559 |
| Pretax return on assets | 1.5498% | 1,193 |
| Return on Equity (ROE) | 6.2245% | 3,511 |
| Retained earnings to average equity (ytd only) | 2.2466% | 3,730 |
| Net charge-offs to loans | -0.0272% | 4,502 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4725% | 4,844 |
| Assets per employee ($millions) | 19.6001% | 95 |
| Cash dividends to net income (ytd only)* | 63.9073% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 1,504 |
| Loan loss allowance to noncurrent loans | 356.7018% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 2,523 |
| Noncurrent loans to loans | 0.4270% | 2,700 |
| Net loans and leases to total assets | 83.8406% | 184 |
| Net loans and leases to deposits | 107.1535% | 207 |
| Net loans and leases to core deposits | 127.7063% | 217 |
| Total domestic deposits to total assets | 78.2434% | 4,292 |
| Equity capital to assets | 20.0826% | 199 |
| Core capital (leverage) ratio | 20.0449% | 186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5891% | 183 |
| Memoranda: | ||
| Average total assets | $393,157,000 | 1,879 |
| Average earning assets | $385,225,200 | 1,815 |
| Average equity | $77,629,000 | 1,179 |
| Average total loans | $334,944,200 | 1,558 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 2,390 |
| Cost of funding earning assets | 1.5737% | 85 |
| Net interest margin | 2.6312% | 4,543 |
| Noninterest income to average assets | 0.0403% | 4,907 |
| Noninterest expense to average assets | 1.0820% | 4,957 |
| Loan and lease loss provision to assets | -0.0241% | 4,972 |
| Net operating income to assets | 1.2359% | 1,532 |
| Return on assets (ROA) | 1.2359% | 1,649 |
| Pretax return on assets | 1.5599% | 1,303 |
| Return on Equity (ROE) | 6.2860% | 3,454 |
| Retained earnings to average equity (ytd only) | 2.0287% | 3,925 |
| Net charge-offs to loans | -0.0282% | 4,507 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3333% | 4,864 |
| Assets per employee ($millions) | 19.5527% | 94 |
| Cash dividends to net income (ytd only)* | 67.7269% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,330 |
| Loan loss allowance to noncurrent loans | 400.2362% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 2,842 |
| Noncurrent loans to loans | 0.3795% | 2,925 |
| Net loans and leases to total assets | 84.2781% | 252 |
| Net loans and leases to deposits | 107.5198% | 280 |
| Net loans and leases to core deposits | 127.9940% | 270 |
| Total domestic deposits to total assets | 78.3838% | 4,142 |
| Equity capital to assets | 19.9686% | 214 |
| Core capital (leverage) ratio | 19.7674% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6726% | 192 |
| Memoranda: | ||
| Average total assets | $393,446,000 | 1,865 |
| Average earning assets | $385,412,500 | 1,794 |
| Average equity | $77,355,250 | 1,179 |
| Average total loans | $335,245,500 | 1,548 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 2,700 |
| Cost of funding earning assets | 1.5993% | 115 |
| Net interest margin | 2.6179% | 4,636 |
| Noninterest income to average assets | 0.0370% | 4,940 |
| Noninterest expense to average assets | 1.0669% | 4,997 |
| Loan and lease loss provision to assets | -0.0264% | 5,010 |
| Net operating income to assets | 1.2353% | 1,530 |
| Return on assets (ROA) | 1.2353% | 1,648 |
| Pretax return on assets | 1.5600% | 1,318 |
| Return on Equity (ROE) | 6.3156% | 3,393 |
| Retained earnings to average equity (ytd only) | 1.5095% | 3,932 |
| Net charge-offs to loans | -0.0310% | 4,557 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0261% | 4,889 |
| Assets per employee ($millions) | 19.6989% | 84 |
| Cash dividends to net income (ytd only)* | 76.0986% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5027% | 1,258 |
| Loan loss allowance to noncurrent loans | 294.4959% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 2,561 |
| Noncurrent loans to loans | 0.5103% | 2,622 |
| Net loans and leases to total assets | 84.5669% | 217 |
| Net loans and leases to deposits | 108.8487% | 253 |
| Net loans and leases to core deposits | 129.1736% | 268 |
| Total domestic deposits to total assets | 77.6922% | 4,229 |
| Equity capital to assets | 19.6668% | 224 |
| Core capital (leverage) ratio | 19.5736% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.3367% | 194 |
| Memoranda: | ||
| Average total assets | $394,243,333 | 1,836 |
| Average earning assets | $386,032,667 | 1,766 |
| Average equity | $77,111,000 | 1,175 |
| Average total loans | $335,442,000 | 1,531 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,871 |
| Cost of funding earning assets | 1.6399% | 166 |
| Net interest margin | 2.6769% | 4,685 |
| Noninterest income to average assets | 0.0152% | 5,034 |
| Noninterest expense to average assets | 1.0954% | 5,043 |
| Loan and lease loss provision to assets | -0.0385% | 5,058 |
| Net operating income to assets | 1.2486% | 1,380 |
| Return on assets (ROA) | 1.2486% | 1,482 |
| Pretax return on assets | 1.5792% | 1,113 |
| Return on Equity (ROE) | 6.4010% | 3,174 |
| Retained earnings to average equity (ytd only) | 3.1927% | 3,002 |
| Net charge-offs to loans | -0.0455% | 4,609 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5544% | 4,956 |
| Assets per employee ($millions) | 19.6753% | 67 |
| Cash dividends to net income (ytd only)* | 50.1219% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,255 |
| Loan loss allowance to noncurrent loans | 284.9215% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 2,653 |
| Noncurrent loans to loans | 0.5358% | 2,658 |
| Net loans and leases to total assets | 83.3296% | 318 |
| Net loans and leases to deposits | 107.2064% | 257 |
| Net loans and leases to core deposits | 127.4410% | 311 |
| Total domestic deposits to total assets | 77.7282% | 4,263 |
| Equity capital to assets | 19.6266% | 265 |
| Core capital (leverage) ratio | 19.6241% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1443% | 195 |
| Memoranda: | ||
| Average total assets | $394,376,000 | 1,790 |
| Average earning assets | $386,114,000 | 1,720 |
| Average equity | $76,925,000 | 1,177 |
| Average total loans | $334,034,000 | 1,507 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 2,658 |
| Cost of funding earning assets | 1.6135% | 281 |
| Net interest margin | 2.9746% | 4,547 |
| Noninterest income to average assets | 0.0092% | 5,111 |
| Noninterest expense to average assets | 1.0192% | 5,118 |
| Loan and lease loss provision to assets | -0.0446% | 5,008 |
| Net operating income to assets | 1.5416% | 957 |
| Return on assets (ROA) | 1.5416% | 1,019 |
| Pretax return on assets | 1.9499% | 667 |
| Return on Equity (ROE) | 8.0494% | 3,142 |
| Retained earnings to average equity (ytd only) | 4.0367% | 2,942 |
| Net charge-offs to loans | -0.0504% | 4,822 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8509% | 5,114 |
| Assets per employee ($millions) | 18.8212% | 69 |
| Cash dividends to net income (ytd only)* | 49.8511% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,173 |
| Loan loss allowance to noncurrent loans | 265.1539% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 2,466 |
| Noncurrent loans to loans | 0.5721% | 2,472 |
| Net loans and leases to total assets | 83.4910% | 373 |
| Net loans and leases to deposits | 107.1252% | 258 |
| Net loans and leases to core deposits | 127.7154% | 311 |
| Total domestic deposits to total assets | 77.9378% | 4,369 |
| Equity capital to assets | 19.3849% | 276 |
| Core capital (leverage) ratio | 19.4429% | 262 |
| Tier 1 risk-based capital ratio | 34.0574% | 355 |
| Total risk-based capital ratio | 35.3198% | 348 |
| Memoranda: | ||
| Average total assets | $392,069,200 | 1,761 |
| Average earning assets | $384,258,400 | 1,689 |
| Average equity | $75,086,000 | 1,149 |
| Average total loans | $347,240,000 | 1,431 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 2,707 |
| Cost of funding earning assets | 1.5944% | 310 |
| Net interest margin | 3.0108% | 4,607 |
| Noninterest income to average assets | 0.0092% | 5,188 |
| Noninterest expense to average assets | 1.0253% | 5,198 |
| Loan and lease loss provision to assets | -0.0296% | 5,097 |
| Net operating income to assets | 1.5525% | 1,053 |
| Return on assets (ROA) | 1.5525% | 1,105 |
| Pretax return on assets | 1.9638% | 743 |
| Return on Equity (ROE) | 8.1315% | 3,246 |
| Retained earnings to average equity (ytd only) | 3.8106% | 3,489 |
| Net charge-offs to loans | -0.0331% | 4,722 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6459% | 5,188 |
| Assets per employee ($millions) | 18.6505% | 70 |
| Cash dividends to net income (ytd only)* | 53.1388% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 1,313 |
| Loan loss allowance to noncurrent loans | 449.8230% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 3,398 |
| Noncurrent loans to loans | 0.3285% | 3,357 |
| Net loans and leases to total assets | 86.5304% | 160 |
| Net loans and leases to deposits | 110.9436% | 204 |
| Net loans and leases to core deposits | 132.3279% | 267 |
| Total domestic deposits to total assets | 77.9949% | 4,348 |
| Equity capital to assets | 19.3336% | 285 |
| Core capital (leverage) ratio | 19.3597% | 274 |
| Tier 1 risk-based capital ratio | 33.0102% | 399 |
| Total risk-based capital ratio | 34.2718% | 392 |
| Memoranda: | ||
| Average total assets | $391,275,000 | 1,784 |
| Average earning assets | $383,415,000 | 1,706 |
| Average equity | $74,703,000 | 1,149 |
| Average total loans | $350,280,500 | 1,433 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 2,658 |
| Cost of funding earning assets | 1.5600% | 312 |
| Net interest margin | 3.0464% | 4,611 |
| Noninterest income to average assets | 0.0087% | 5,240 |
| Noninterest expense to average assets | 1.0006% | 5,250 |
| Loan and lease loss provision to assets | -0.0286% | 5,147 |
| Net operating income to assets | 1.5989% | 914 |
| Return on assets (ROA) | 1.5989% | 961 |
| Pretax return on assets | 2.0223% | 653 |
| Return on Equity (ROE) | 8.4101% | 3,109 |
| Retained earnings to average equity (ytd only) | 3.4937% | 3,493 |
| Net charge-offs to loans | -0.0318% | 4,706 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4187% | 5,242 |
| Assets per employee ($millions) | 18.6313% | 63 |
| Cash dividends to net income (ytd only)* | 58.4586% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,479 |
| Loan loss allowance to noncurrent loans | 498.8224% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 3,531 |
| Noncurrent loans to loans | 0.2872% | 3,502 |
| Net loans and leases to total assets | 89.3717% | 68 |
| Net loans and leases to deposits | 114.5005% | 135 |
| Net loans and leases to core deposits | 136.5969% | 229 |
| Total domestic deposits to total assets | 78.0536% | 4,386 |
| Equity capital to assets | 19.1398% | 287 |
| Core capital (leverage) ratio | 19.0946% | 269 |
| Tier 1 risk-based capital ratio | 31.1407% | 450 |
| Total risk-based capital ratio | 32.4012% | 444 |
| Memoranda: | ||
| Average total assets | $391,146,670 | 1,793 |
| Average earning assets | $383,333,330 | 1,714 |
| Average equity | $74,363,330 | 1,146 |
| Average total loans | $352,378,000 | 1,422 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 2,610 |
| Cost of funding earning assets | 1.5044% | 321 |
| Net interest margin | 3.0744% | 4,630 |
| Noninterest income to average assets | 0.0092% | 5,294 |
| Noninterest expense to average assets | 0.9522% | 5,323 |
| Loan and lease loss provision to assets | -0.0286% | 5,236 |
| Net operating income to assets | 1.6600% | 797 |
| Return on assets (ROA) | 1.6600% | 825 |
| Pretax return on assets | 2.0998% | 523 |
| Return on Equity (ROE) | 8.7609% | 2,916 |
| Retained earnings to average equity (ytd only) | 5.5599% | 2,664 |
| Net charge-offs to loans | -0.0319% | 4,671 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4953% | 5,307 |
| Assets per employee ($millions) | 18.6674% | 58 |
| Cash dividends to net income (ytd only)* | 36.5373% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,526 |
| Loan loss allowance to noncurrent loans | 473.2775% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 3,514 |
| Noncurrent loans to loans | 0.3049% | 3,472 |
| Net loans and leases to total assets | 88.5441% | 84 |
| Net loans and leases to deposits | 114.7799% | 140 |
| Net loans and leases to core deposits | 136.7474% | 223 |
| Total domestic deposits to total assets | 77.1425% | 4,640 |
| Equity capital to assets | 19.0342% | 282 |
| Core capital (leverage) ratio | 19.0999% | 274 |
| Tier 1 risk-based capital ratio | 31.1743% | 435 |
| Total risk-based capital ratio | 32.4348% | 428 |
| Memoranda: | ||
| Average total assets | $391,091,500 | 1,805 |
| Average earning assets | $383,420,500 | 1,719 |
| Average equity | $74,102,000 | 1,147 |
| Average total loans | $351,189,000 | 1,431 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 2,437 |
| Cost of funding earning assets | 1.3800% | 153 |
| Net interest margin | 3.1273% | 4,615 |
| Noninterest income to average assets | 0.0114% | 5,332 |
| Noninterest expense to average assets | 1.0390% | 5,349 |
| Loan and lease loss provision to assets | -0.0549% | 5,203 |
| Net operating income to assets | 1.5863% | 906 |
| Return on assets (ROA) | 1.5863% | 894 |
| Pretax return on assets | 2.0759% | 467 |
| Return on Equity (ROE) | 8.7300% | 3,130 |
| Retained earnings to average equity (ytd only) | 4.6378% | 2,970 |
| Net charge-offs to loans | -0.0619% | 5,034 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9532% | 5,340 |
| Assets per employee ($millions) | 17.7349% | 63 |
| Cash dividends to net income (ytd only)* | 46.8750% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,437 |
| Loan loss allowance to noncurrent loans | 459.5841% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 3,449 |
| Noncurrent loans to loans | 0.3158% | 3,423 |
| Net loans and leases to total assets | 88.4506% | 98 |
| Net loans and leases to deposits | 113.9870% | 166 |
| Net loans and leases to core deposits | 133.6620% | 265 |
| Total domestic deposits to total assets | 77.5971% | 4,547 |
| Equity capital to assets | 18.8603% | 278 |
| Core capital (leverage) ratio | 18.7869% | 271 |
| Tier 1 risk-based capital ratio | 30.8182% | 436 |
| Total risk-based capital ratio | 32.0788% | 430 |
| Memoranda: | ||
| Average total assets | $395,386,000 | 1,734 |
| Average earning assets | $385,445,200 | 1,647 |
| Average equity | $71,844,600 | 1,138 |
| Average total loans | $350,608,800 | 1,402 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 2,345 |
| Cost of funding earning assets | 1.3551% | 127 |
| Net interest margin | 3.1345% | 4,643 |
| Noninterest income to average assets | 0.0104% | 5,407 |
| Noninterest expense to average assets | 1.0288% | 5,420 |
| Loan and lease loss provision to assets | -0.0598% | 5,308 |
| Net operating income to assets | 1.5817% | 995 |
| Return on assets (ROA) | 1.5817% | 999 |
| Pretax return on assets | 2.0929% | 491 |
| Return on Equity (ROE) | 8.7867% | 3,199 |
| Retained earnings to average equity (ytd only) | 4.3579% | 3,578 |
| Net charge-offs to loans | -0.0677% | 5,042 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6004% | 5,409 |
| Assets per employee ($millions) | 17.1667% | 68 |
| Cash dividends to net income (ytd only)* | 50.4038% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,496 |
| Loan loss allowance to noncurrent loans | 407.2917% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3161% | 3,429 |
| Noncurrent loans to loans | 0.3577% | 3,368 |
| Net loans and leases to total assets | 87.0895% | 182 |
| Net loans and leases to deposits | 111.3808% | 254 |
| Net loans and leases to core deposits | 130.4147% | 323 |
| Total domestic deposits to total assets | 78.1908% | 4,456 |
| Equity capital to assets | 18.3847% | 305 |
| Core capital (leverage) ratio | 18.4211% | 299 |
| Tier 1 risk-based capital ratio | 30.7311% | 444 |
| Total risk-based capital ratio | 31.9919% | 437 |
| Memoranda: | ||
| Average total assets | $396,690,500 | 1,731 |
| Average earning assets | $386,191,500 | 1,647 |
| Average equity | $71,409,000 | 1,140 |
| Average total loans | $350,713,750 | 1,400 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4252% | 2,334 |
| Cost of funding earning assets | 1.3311% | 98 |
| Net interest margin | 3.0941% | 4,741 |
| Noninterest income to average assets | 0.0086% | 5,473 |
| Noninterest expense to average assets | 0.9952% | 5,486 |
| Loan and lease loss provision to assets | -0.0423% | 5,367 |
| Net operating income to assets | 1.5570% | 1,021 |
| Return on assets (ROA) | 1.5570% | 1,023 |
| Pretax return on assets | 2.0604% | 527 |
| Return on Equity (ROE) | 8.7108% | 3,164 |
| Retained earnings to average equity (ytd only) | 3.6330% | 3,779 |
| Net charge-offs to loans | -0.0478% | 4,907 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.0271% | 5,477 |
| Assets per employee ($millions) | 18.2244% | 55 |
| Cash dividends to net income (ytd only)* | 58.2929% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 1,531 |
| Loan loss allowance to noncurrent loans | 530.0313% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 3,786 |
| Noncurrent loans to loans | 0.2748% | 3,730 |
| Net loans and leases to total assets | 85.7835% | 283 |
| Net loans and leases to deposits | 108.8591% | 315 |
| Net loans and leases to core deposits | 127.2771% | 386 |
| Total domestic deposits to total assets | 78.8024% | 4,461 |
| Equity capital to assets | 17.8442% | 340 |
| Core capital (leverage) ratio | 18.2008% | 305 |
| Tier 1 risk-based capital ratio | 29.9459% | 480 |
| Total risk-based capital ratio | 31.2066% | 474 |
| Memoranda: | ||
| Average total assets | $397,309,670 | 1,742 |
| Average earning assets | $385,833,670 | 1,657 |
| Average equity | $71,015,670 | 1,145 |
| Average total loans | $351,304,670 | 1,395 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 2,028 |
| Cost of funding earning assets | 1.3050% | 81 |
| Net interest margin | 3.1422% | 4,615 |
| Noninterest income to average assets | 0.0101% | 5,544 |
| Noninterest expense to average assets | 1.0326% | 5,551 |
| Loan and lease loss provision to assets | -0.0314% | 5,442 |
| Net operating income to assets | 1.5788% | 902 |
| Return on assets (ROA) | 1.5788% | 909 |
| Pretax return on assets | 2.0895% | 475 |
| Return on Equity (ROE) | 8.8253% | 2,995 |
| Retained earnings to average equity (ytd only) | 5.6140% | 2,890 |
| Net charge-offs to loans | -0.0352% | 4,812 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4097% | 5,543 |
| Assets per employee ($millions) | 17.9536% | 59 |
| Cash dividends to net income (ytd only)* | 36.3869% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,636 |
| Loan loss allowance to noncurrent loans | 607.2879% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 4,034 |
| Noncurrent loans to loans | 0.2396% | 3,911 |
| Net loans and leases to total assets | 87.1502% | 185 |
| Net loans and leases to deposits | 110.9286% | 227 |
| Net loans and leases to core deposits | 130.6757% | 327 |
| Total domestic deposits to total assets | 78.5642% | 4,639 |
| Equity capital to assets | 18.0384% | 311 |
| Core capital (leverage) ratio | 18.0298% | 310 |
| Tier 1 risk-based capital ratio | 30.0548% | 470 |
| Total risk-based capital ratio | 31.3157% | 464 |
| Memoranda: | ||
| Average total assets | $395,496,500 | 1,759 |
| Average earning assets | $387,754,000 | 1,658 |
| Average equity | $70,751,500 | 1,158 |
| Average total loans | $352,447,000 | 1,388 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3766% | 2,093 |
| Cost of funding earning assets | 1.2935% | 53 |
| Net interest margin | 3.0831% | 4,723 |
| Noninterest income to average assets | 0.0125% | 5,595 |
| Noninterest expense to average assets | 0.9499% | 5,619 |
| Loan and lease loss provision to assets | -0.0031% | 5,288 |
| Net operating income to assets | 1.3181% | 1,181 |
| Return on assets (ROA) | 1.3181% | 1,200 |
| Pretax return on assets | 2.0806% | 406 |
| Return on Equity (ROE) | 7.4997% | 3,034 |
| Retained earnings to average equity (ytd only) | 3.3485% | 3,292 |
| Net charge-offs to loans | -0.0767% | 5,304 |
| Credit loss provision to net charge-offs | 4.5283% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.3762% | 5,624 |
| Assets per employee ($millions) | 18.8578% | 55 |
| Cash dividends to net income (ytd only)* | 55.3516% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,654 |
| Loan loss allowance to noncurrent loans | 391.0000% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 3,559 |
| Noncurrent loans to loans | 0.3656% | 3,457 |
| Net loans and leases to total assets | 88.5077% | 114 |
| Net loans and leases to deposits | 112.3879% | 207 |
| Net loans and leases to core deposits | 132.4508% | 298 |
| Total domestic deposits to total assets | 78.7520% | 4,592 |
| Equity capital to assets | 17.7406% | 334 |
| Core capital (leverage) ratio | 17.8286% | 309 |
| Tier 1 risk-based capital ratio | 28.7637% | 506 |
| Total risk-based capital ratio | 30.0239% | 501 |
| Memoranda: | ||
| Average total assets | $392,675,600 | 1,739 |
| Average earning assets | $383,997,000 | 1,654 |
| Average equity | $69,016,000 | 1,154 |
| Average total loans | $345,664,600 | 1,391 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 2,330 |
| Cost of funding earning assets | 1.2908% | 46 |
| Net interest margin | 2.9863% | 4,948 |
| Noninterest income to average assets | 0.0088% | 5,670 |
| Noninterest expense to average assets | 0.9463% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3087% | 1,301 |
| Return on assets (ROA) | 1.3087% | 1,340 |
| Pretax return on assets | 1.9800% | 570 |
| Return on Equity (ROE) | 7.4635% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.9574% | 4,153 |
| Net charge-offs to loans | -0.0979% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3372% | 5,681 |
| Assets per employee ($millions) | 18.6737% | 55 |
| Cash dividends to net income (ytd only)* | 60.3744% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 1,655 |
| Loan loss allowance to noncurrent loans | 406.3149% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 3,769 |
| Noncurrent loans to loans | 0.3613% | 3,658 |
| Net loans and leases to total assets | 86.9883% | 205 |
| Net loans and leases to deposits | 110.2976% | 267 |
| Net loans and leases to core deposits | 130.0304% | 342 |
| Total domestic deposits to total assets | 78.8669% | 4,556 |
| Equity capital to assets | 17.7147% | 359 |
| Core capital (leverage) ratio | 17.7336% | 319 |
| Tier 1 risk-based capital ratio | 28.5199% | 539 |
| Total risk-based capital ratio | 29.7799% | 534 |
| Memoranda: | ||
| Average total assets | $391,841,250 | 1,753 |
| Average earning assets | $382,804,250 | 1,668 |
| Average equity | $68,706,250 | 1,166 |
| Average total loans | $343,184,500 | 1,404 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,198 |
| Cost of funding earning assets | 1.2843% | 41 |
| Net interest margin | 2.9942% | 4,925 |
| Noninterest income to average assets | 0.0097% | 5,716 |
| Noninterest expense to average assets | 0.9317% | 5,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3259% | 1,231 |
| Return on assets (ROA) | 1.3259% | 1,257 |
| Pretax return on assets | 2.0059% | 521 |
| Return on Equity (ROE) | 7.5878% | 3,247 |
| Retained earnings to average equity (ytd only) | 2.3900% | 4,250 |
| Net charge-offs to loans | -0.0830% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.7171% | 5,735 |
| Assets per employee ($millions) | 18.6558% | 54 |
| Cash dividends to net income (ytd only)* | 68.5021% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,775 |
| Loan loss allowance to noncurrent loans | 163.1234% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7780% | 2,266 |
| Noncurrent loans to loans | 0.8841% | 2,205 |
| Net loans and leases to total assets | 86.7277% | 226 |
| Net loans and leases to deposits | 110.4525% | 253 |
| Net loans and leases to core deposits | 130.1985% | 304 |
| Total domestic deposits to total assets | 78.5204% | 4,724 |
| Equity capital to assets | 17.5515% | 360 |
| Core capital (leverage) ratio | 17.4978% | 328 |
| Tier 1 risk-based capital ratio | 28.2129% | 538 |
| Total risk-based capital ratio | 29.4726% | 529 |
| Memoranda: | ||
| Average total assets | $391,739,000 | 1,754 |
| Average earning assets | $383,077,330 | 1,672 |
| Average equity | $68,452,330 | 1,173 |
| Average total loans | $342,177,330 | 1,409 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 2,341 |
| Cost of funding earning assets | 1.2640% | 42 |
| Net interest margin | 2.9155% | 5,059 |
| Noninterest income to average assets | 0.0092% | 5,796 |
| Noninterest expense to average assets | 0.9262% | 5,816 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2774% | 1,299 |
| Return on assets (ROA) | 1.2774% | 1,332 |
| Pretax return on assets | 1.9330% | 582 |
| Return on Equity (ROE) | 7.3268% | 3,247 |
| Retained earnings to average equity (ytd only) | 4.1407% | 3,390 |
| Net charge-offs to loans | -0.1385% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3929% | 5,789 |
| Assets per employee ($millions) | 19.6286% | 47 |
| Cash dividends to net income (ytd only)* | 43.4852% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,912 |
| Loan loss allowance to noncurrent loans | 130.3477% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.9670% | 1,899 |
| Noncurrent loans to loans | 1.1032% | 1,853 |
| Net loans and leases to total assets | 86.3920% | 193 |
| Net loans and leases to deposits | 111.1814% | 198 |
| Net loans and leases to core deposits | 131.2693% | 247 |
| Total domestic deposits to total assets | 77.7037% | 5,009 |
| Equity capital to assets | 17.4875% | 341 |
| Core capital (leverage) ratio | 17.5906% | 315 |
| Tier 1 risk-based capital ratio | 27.5352% | 593 |
| Total risk-based capital ratio | 28.7942% | 575 |
| Memoranda: | ||
| Average total assets | $391,722,500 | 1,765 |
| Average earning assets | $382,918,000 | 1,682 |
| Average equity | $68,297,500 | 1,172 |
| Average total loans | $340,892,500 | 1,425 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3123% | 2,104 |
| Cost of funding earning assets | 1.2543% | 43 |
| Net interest margin | 3.0580% | 4,824 |
| Noninterest income to average assets | 0.0189% | 5,829 |
| Noninterest expense to average assets | 0.9862% | 5,858 |
| Loan and lease loss provision to assets | 0.0092% | 4,184 |
| Net operating income to assets | 1.3307% | 1,142 |
| Return on assets (ROA) | 1.3307% | 1,197 |
| Pretax return on assets | 2.0131% | 484 |
| Return on Equity (ROE) | 7.6117% | 3,166 |
| Retained earnings to average equity (ytd only) | 4.4918% | 2,713 |
| Net charge-offs to loans | -0.1758% | 5,713 |
| Credit loss provision to net charge-offs | -5.9829% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7797% | 5,854 |
| Assets per employee ($millions) | 18.6130% | 53 |
| Cash dividends to net income (ytd only)* | 40.9881% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,960 |
| Loan loss allowance to noncurrent loans | 105.7356% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.1687% | 1,561 |
| Noncurrent loans to loans | 1.3527% | 1,518 |
| Net loans and leases to total assets | 85.1571% | 288 |
| Net loans and leases to deposits | 109.7129% | 234 |
| Net loans and leases to core deposits | 129.5466% | 293 |
| Total domestic deposits to total assets | 77.6181% | 5,029 |
| Equity capital to assets | 17.3826% | 347 |
| Core capital (leverage) ratio | 17.4926% | 316 |
| Tier 1 risk-based capital ratio | 28.1460% | 559 |
| Total risk-based capital ratio | 29.4050% | 552 |
| Memoranda: | ||
| Average total assets | $380,262,000 | 1,766 |
| Average earning assets | $371,747,600 | 1,673 |
| Average equity | $66,477,000 | 1,180 |
| Average total loans | $332,825,200 | 1,405 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 2,033 |
| Cost of funding earning assets | 1.2495% | 43 |
| Net interest margin | 3.0913% | 4,794 |
| Noninterest income to average assets | 0.0215% | 5,895 |
| Noninterest expense to average assets | 1.0165% | 5,919 |
| Loan and lease loss provision to assets | 0.0124% | 4,000 |
| Net operating income to assets | 1.3319% | 1,206 |
| Return on assets (ROA) | 1.3319% | 1,292 |
| Pretax return on assets | 2.0151% | 550 |
| Return on Equity (ROE) | 7.6073% | 3,235 |
| Retained earnings to average equity (ytd only) | 4.5216% | 3,120 |
| Net charge-offs to loans | -0.2123% | 5,779 |
| Credit loss provision to net charge-offs | -6.6288% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.3952% | 5,914 |
| Assets per employee ($millions) | 18.4237% | 52 |
| Cash dividends to net income (ytd only)* | 40.5620% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,063 |
| Loan loss allowance to noncurrent loans | 100.9731% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 1,624 |
| Noncurrent loans to loans | 1.4159% | 1,546 |
| Net loans and leases to total assets | 85.0539% | 322 |
| Net loans and leases to deposits | 109.5825% | 270 |
| Net loans and leases to core deposits | 128.6966% | 317 |
| Total domestic deposits to total assets | 77.6163% | 4,977 |
| Equity capital to assets | 17.3689% | 400 |
| Core capital (leverage) ratio | 17.1977% | 352 |
| Tier 1 risk-based capital ratio | 27.6330% | 604 |
| Total risk-based capital ratio | 28.8945% | 589 |
| Memoranda: | ||
| Average total assets | $377,609,000 | 1,780 |
| Average earning assets | $369,194,500 | 1,691 |
| Average equity | $66,110,250 | 1,190 |
| Average total loans | $331,609,750 | 1,411 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3928% | 1,849 |
| Cost of funding earning assets | 1.2332% | 46 |
| Net interest margin | 3.1597% | 4,671 |
| Noninterest income to average assets | 0.0203% | 5,970 |
| Noninterest expense to average assets | 0.9944% | 6,005 |
| Loan and lease loss provision to assets | 0.0187% | 3,760 |
| Net operating income to assets | 1.3869% | 1,085 |
| Return on assets (ROA) | 1.3869% | 1,145 |
| Pretax return on assets | 2.0982% | 470 |
| Return on Equity (ROE) | 7.9000% | 3,034 |
| Retained earnings to average equity (ytd only) | 4.8185% | 2,856 |
| Net charge-offs to loans | -0.0568% | 5,416 |
| Credit loss provision to net charge-offs | -37.2340% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.9602% | 6,001 |
| Assets per employee ($millions) | 18.4459% | 53 |
| Cash dividends to net income (ytd only)* | 39.0065% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,885 |
| Loan loss allowance to noncurrent loans | 111.6860% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 2,139 |
| Noncurrent loans to loans | 1.1491% | 1,999 |
| Net loans and leases to total assets | 86.1561% | 240 |
| Net loans and leases to deposits | 111.4813% | 217 |
| Net loans and leases to core deposits | 131.0278% | 293 |
| Total domestic deposits to total assets | 77.2831% | 5,117 |
| Equity capital to assets | 17.1782% | 408 |
| Core capital (leverage) ratio | 17.3322% | 340 |
| Tier 1 risk-based capital ratio | 26.8820% | 660 |
| Total risk-based capital ratio | 28.1394% | 640 |
| Memoranda: | ||
| Average total assets | $374,512,670 | 1,790 |
| Average earning assets | $366,369,330 | 1,702 |
| Average equity | $65,747,000 | 1,197 |
| Average total loans | $330,864,670 | 1,412 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 1,593 |
| Cost of funding earning assets | 1.2137% | 52 |
| Net interest margin | 3.2564% | 4,377 |
| Noninterest income to average assets | 0.0337% | 6,013 |
| Noninterest expense to average assets | 1.0802% | 6,061 |
| Loan and lease loss provision to assets | 0.0380% | 3,149 |
| Net operating income to assets | 1.3877% | 1,067 |
| Return on assets (ROA) | 1.3877% | 1,121 |
| Pretax return on assets | 2.0995% | 464 |
| Return on Equity (ROE) | 7.8164% | 3,022 |
| Retained earnings to average equity (ytd only) | 4.7927% | 3,069 |
| Net charge-offs to loans | -0.0709% | 5,503 |
| Credit loss provision to net charge-offs | -60.3448% | 4,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5697% | 6,047 |
| Assets per employee ($millions) | 17.7791% | 57 |
| Cash dividends to net income (ytd only)* | 38.6844% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,938 |
| Loan loss allowance to noncurrent loans | 107.1180% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 1.0762% | 2,054 |
| Noncurrent loans to loans | 1.2076% | 2,010 |
| Net loans and leases to total assets | 87.9602% | 119 |
| Net loans and leases to deposits | 111.8060% | 191 |
| Net loans and leases to core deposits | 131.1777% | 253 |
| Total domestic deposits to total assets | 78.6722% | 5,037 |
| Equity capital to assets | 17.6078% | 366 |
| Core capital (leverage) ratio | 17.7176% | 315 |
| Tier 1 risk-based capital ratio | 27.0326% | 671 |
| Total risk-based capital ratio | 28.2901% | 652 |
| Memoranda: | ||
| Average total assets | $368,087,500 | 1,823 |
| Average earning assets | $359,904,500 | 1,727 |
| Average equity | $65,349,500 | 1,195 |
| Average total loans | $327,259,000 | 1,413 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 2,006 |
| Cost of funding earning assets | 1.1526% | 71 |
| Net interest margin | 3.2144% | 4,580 |
| Noninterest income to average assets | 0.0226% | 6,062 |
| Noninterest expense to average assets | 0.9692% | 6,125 |
| Loan and lease loss provision to assets | 0.0469% | 3,385 |
| Net operating income to assets | 1.4143% | 1,016 |
| Return on assets (ROA) | 1.4143% | 1,052 |
| Pretax return on assets | 2.1406% | 393 |
| Return on Equity (ROE) | 7.8833% | 3,013 |
| Retained earnings to average equity (ytd only) | 4.8463% | 2,531 |
| Net charge-offs to loans | 0.3194% | 937 |
| Credit loss provision to net charge-offs | 16.7339% | 3,772 |
| Earnings coverage of net charge-offs (x) | 7.7994% | 3,039 |
| Efficiency ratio | 30.7031% | 6,136 |
| Assets per employee ($millions) | 17.2768% | 57 |
| Cash dividends to net income (ytd only)* | 38.5246% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,852 |
| Loan loss allowance to noncurrent loans | 70.1901% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.6670% | 1,173 |
| Noncurrent loans to loans | 1.8639% | 1,155 |
| Net loans and leases to total assets | 87.5366% | 144 |
| Net loans and leases to deposits | 111.8698% | 201 |
| Net loans and leases to core deposits | 130.5827% | 261 |
| Total domestic deposits to total assets | 78.2486% | 5,113 |
| Equity capital to assets | 17.9040% | 321 |
| Core capital (leverage) ratio | 17.9979% | 286 |
| Tier 1 risk-based capital ratio | 27.5312% | 628 |
| Total risk-based capital ratio | 28.7901% | 614 |
| Memoranda: | ||
| Average total assets | $353,681,800 | 1,848 |
| Average earning assets | $344,859,400 | 1,763 |
| Average equity | $63,450,600 | 1,190 |
| Average total loans | $310,539,600 | 1,427 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 1,946 |
| Cost of funding earning assets | 1.1437% | 77 |
| Net interest margin | 3.2477% | 4,535 |
| Noninterest income to average assets | 0.0212% | 6,154 |
| Noninterest expense to average assets | 0.9565% | 6,217 |
| Loan and lease loss provision to assets | 0.0440% | 3,337 |
| Net operating income to assets | 1.4433% | 1,019 |
| Return on assets (ROA) | 1.4433% | 1,067 |
| Pretax return on assets | 2.1851% | 433 |
| Return on Equity (ROE) | 8.0412% | 3,054 |
| Retained earnings to average equity (ytd only) | 5.0141% | 2,905 |
| Net charge-offs to loans | 0.0121% | 3,748 |
| Credit loss provision to net charge-offs | 414.2857% | 743 |
| Earnings coverage of net charge-offs (x) | 209.8350% | 348 |
| Efficiency ratio | 30.0262% | 6,223 |
| Assets per employee ($millions) | 17.6331% | 60 |
| Cash dividends to net income (ytd only)* | 37.6447% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6174% | 1,727 |
| Loan loss allowance to noncurrent loans | 72.3422% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 2.0226% | 1,008 |
| Noncurrent loans to loans | 2.2357% | 976 |
| Net loans and leases to total assets | 88.3820% | 120 |
| Net loans and leases to deposits | 111.3155% | 229 |
| Net loans and leases to core deposits | 130.5575% | 266 |
| Total domestic deposits to total assets | 79.3978% | 4,887 |
| Equity capital to assets | 18.2200% | 327 |
| Core capital (leverage) ratio | 18.2930% | 281 |
| Tier 1 risk-based capital ratio | 25.1975% | 835 |
| Total risk-based capital ratio | 26.4567% | 818 |
| Memoranda: | ||
| Average total assets | $351,399,000 | 1,872 |
| Average earning assets | $342,391,000 | 1,783 |
| Average equity | $63,073,750 | 1,203 |
| Average total loans | $307,723,500 | 1,444 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 1,913 |
| Cost of funding earning assets | 1.1335% | 80 |
| Net interest margin | 3.2490% | 4,505 |
| Noninterest income to average assets | 0.0234% | 6,223 |
| Noninterest expense to average assets | 0.9887% | 6,291 |
| Loan and lease loss provision to assets | 0.0382% | 3,353 |
| Net operating income to assets | 1.4291% | 1,037 |
| Return on assets (ROA) | 1.4291% | 1,073 |
| Pretax return on assets | 2.1637% | 444 |
| Return on Equity (ROE) | 8.0026% | 3,050 |
| Retained earnings to average equity (ytd only) | 5.0064% | 2,861 |
| Net charge-offs to loans | -0.0026% | 4,625 |
| Credit loss provision to net charge-offs | -1,675.0000% | 5,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9877% | 6,294 |
| Assets per employee ($millions) | 18.5447% | 56 |
| Cash dividends to net income (ytd only)* | 37.4402% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 1,814 |
| Loan loss allowance to noncurrent loans | 66.5667% | 4,576 |
| Noncurrent assets plus other real estate owned to assets | 2.1916% | 963 |
| Noncurrent loans to loans | 2.4485% | 921 |
| Net loans and leases to total assets | 87.4792% | 168 |
| Net loans and leases to deposits | 109.8878% | 264 |
| Net loans and leases to core deposits | 128.6830% | 293 |
| Total domestic deposits to total assets | 79.6078% | 4,954 |
| Equity capital to assets | 18.0082% | 338 |
| Core capital (leverage) ratio | 18.0543% | 284 |
| Tier 1 risk-based capital ratio | 24.8992% | 873 |
| Total risk-based capital ratio | 26.1585% | 858 |
| Memoranda: | ||
| Average total assets | $350,978,330 | 1,886 |
| Average earning assets | $342,137,330 | 1,789 |
| Average equity | $62,680,000 | 1,216 |
| Average total loans | $304,693,670 | 1,461 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 1,417 |
| Cost of funding earning assets | 1.1307% | 82 |
| Net interest margin | 3.3852% | 3,902 |
| Noninterest income to average assets | 0.0206% | 6,292 |
| Noninterest expense to average assets | 1.0163% | 6,361 |
| Loan and lease loss provision to assets | 0.0697% | 2,546 |
| Net operating income to assets | 1.4742% | 898 |
| Return on assets (ROA) | 1.4742% | 956 |
| Pretax return on assets | 2.2336% | 362 |
| Return on Equity (ROE) | 8.2897% | 2,813 |
| Retained earnings to average equity (ytd only) | 5.2782% | 2,904 |
| Net charge-offs to loans | 0.0120% | 2,951 |
| Credit loss provision to net charge-offs | 677.7778% | 438 |
| Earnings coverage of net charge-offs (x) | 224.1111% | 253 |
| Efficiency ratio | 30.6158% | 6,364 |
| Assets per employee ($millions) | 18.4969% | 56 |
| Cash dividends to net income (ytd only)* | 36.3284% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 1,797 |
| Loan loss allowance to noncurrent loans | 60.1063% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 2.4229% | 896 |
| Noncurrent loans to loans | 2.7906% | 827 |
| Net loans and leases to total assets | 84.8649% | 260 |
| Net loans and leases to deposits | 106.4315% | 301 |
| Net loans and leases to core deposits | 124.8764% | 313 |
| Total domestic deposits to total assets | 79.7366% | 5,114 |
| Equity capital to assets | 17.8422% | 343 |
| Core capital (leverage) ratio | 17.8924% | 291 |
| Tier 1 risk-based capital ratio | 25.4193% | 842 |
| Total risk-based capital ratio | 26.6792% | 826 |
| Memoranda: | ||
| Average total assets | $350,292,500 | 1,895 |
| Average earning assets | $341,367,000 | 1,794 |
| Average equity | $62,294,000 | 1,226 |
| Average total loans | $300,370,500 | 1,479 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4566% | 2,040 |
| Cost of funding earning assets | 1.1489% | 104 |
| Net interest margin | 3.3077% | 4,536 |
| Noninterest income to average assets | 0.0231% | 6,354 |
| Noninterest expense to average assets | 0.9898% | 6,448 |
| Loan and lease loss provision to assets | 1.0475% | 99 |
| Net operating income to assets | 0.7995% | 3,377 |
| Return on assets (ROA) | 0.7995% | 3,475 |
| Pretax return on assets | 1.2107% | 2,607 |
| Return on Equity (ROE) | 4.5639% | 4,856 |
| Retained earnings to average equity (ytd only) | 1.5948% | 5,030 |
| Net charge-offs to loans | 1.1078% | 256 |
| Credit loss provision to net charge-offs | 111.8879% | 2,130 |
| Earnings coverage of net charge-offs (x) | 2.4121% | 4,156 |
| Efficiency ratio | 30.4749% | 6,463 |
| Assets per employee ($millions) | 18.3759% | 58 |
| Cash dividends to net income (ytd only)* | 65.0559% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6933% | 1,788 |
| Loan loss allowance to noncurrent loans | 55.8129% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.5986% | 869 |
| Noncurrent loans to loans | 3.0339% | 738 |
| Net loans and leases to total assets | 83.7382% | 364 |
| Net loans and leases to deposits | 105.0433% | 397 |
| Net loans and leases to core deposits | 123.0031% | 338 |
| Total domestic deposits to total assets | 79.7178% | 5,089 |
| Equity capital to assets | 17.7243% | 337 |
| Core capital (leverage) ratio | 17.7243% | 307 |
| Tier 1 risk-based capital ratio | 25.6113% | 790 |
| Total risk-based capital ratio | 26.8715% | 778 |
| Memoranda: | ||
| Average total assets | $346,837,200 | 1,878 |
| Average earning assets | $338,151,400 | 1,772 |
| Average equity | $60,759,600 | 1,205 |
| Average total loans | $293,108,200 | 1,458 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,933 |
| Cost of funding earning assets | 1.1508% | 109 |
| Net interest margin | 3.3339% | 4,494 |
| Noninterest income to average assets | 0.0227% | 6,436 |
| Noninterest expense to average assets | 0.9942% | 6,526 |
| Loan and lease loss provision to assets | 1.3616% | 64 |
| Net operating income to assets | 0.6057% | 4,418 |
| Return on assets (ROA) | 0.6057% | 4,507 |
| Pretax return on assets | 0.9164% | 3,922 |
| Return on Equity (ROE) | 3.4678% | 5,377 |
| Retained earnings to average equity (ytd only) | 0.5269% | 5,654 |
| Net charge-offs to loans | 1.4646% | 166 |
| Credit loss provision to net charge-offs | 110.2244% | 2,037 |
| Earnings coverage of net charge-offs (x) | 1.8441% | 4,065 |
| Efficiency ratio | 30.3836% | 6,541 |
| Assets per employee ($millions) | 15.7261% | 73 |
| Cash dividends to net income (ytd only)* | 84.8060% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 1,947 |
| Loan loss allowance to noncurrent loans | 56.4399% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.5638% | 1,008 |
| Noncurrent loans to loans | 3.0250% | 878 |
| Net loans and leases to total assets | 82.8363% | 426 |
| Net loans and leases to deposits | 103.7771% | 417 |
| Net loans and leases to core deposits | 121.1196% | 376 |
| Total domestic deposits to total assets | 79.8213% | 5,140 |
| Equity capital to assets | 17.6756% | 362 |
| Core capital (leverage) ratio | 17.6756% | 314 |
| Tier 1 risk-based capital ratio | 26.4148% | 754 |
| Total risk-based capital ratio | 27.6761% | 736 |
| Memoranda: | ||
| Average total assets | $346,260,750 | 1,887 |
| Average earning assets | $337,493,500 | 1,788 |
| Average equity | $60,478,750 | 1,214 |
| Average total loans | $292,034,750 | 1,473 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 1,761 |
| Cost of funding earning assets | 1.1490% | 115 |
| Net interest margin | 3.3730% | 4,300 |
| Noninterest income to average assets | 0.0185% | 6,512 |
| Noninterest expense to average assets | 1.0134% | 6,591 |
| Loan and lease loss provision to assets | 1.9541% | 35 |
| Net operating income to assets | 0.2246% | 5,770 |
| Return on assets (ROA) | 0.2246% | 5,835 |
| Pretax return on assets | 0.3378% | 5,707 |
| Return on Equity (ROE) | 1.2912% | 5,990 |
| Retained earnings to average equity (ytd only) | -1.6630% | 5,943 |
| Net charge-offs to loans | 2.1931% | 95 |
| Credit loss provision to net charge-offs | 105.6180% | 1,896 |
| Earnings coverage of net charge-offs (x) | 1.2388% | 3,864 |
| Efficiency ratio | 30.6604% | 6,604 |
| Assets per employee ($millions) | 15.7079% | 72 |
| Cash dividends to net income (ytd only)* | 228.7918% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 2,293 |
| Loan loss allowance to noncurrent loans | 71.6724% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.9646% | 1,635 |
| Noncurrent loans to loans | 2.3023% | 1,409 |
| Net loans and leases to total assets | 83.3037% | 356 |
| Net loans and leases to deposits | 104.0097% | 361 |
| Net loans and leases to core deposits | 120.5739% | 361 |
| Total domestic deposits to total assets | 80.0922% | 5,213 |
| Equity capital to assets | 17.4820% | 365 |
| Core capital (leverage) ratio | 17.4820% | 328 |
| Tier 1 risk-based capital ratio | 25.8208% | 791 |
| Total risk-based capital ratio | 27.0808% | 772 |
| Memoranda: | ||
| Average total assets | $346,356,330 | 1,886 |
| Average earning assets | $337,508,330 | 1,782 |
| Average equity | $60,254,000 | 1,209 |
| Average total loans | $292,189,670 | 1,462 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4758% | 1,880 |
| Cost of funding earning assets | 1.1506% | 120 |
| Net interest margin | 3.3252% | 4,440 |
| Noninterest income to average assets | 0.0173% | 6,574 |
| Noninterest expense to average assets | 1.0151% | 6,675 |
| Loan and lease loss provision to assets | 4.0560% | 12 |
| Net operating income to assets | -1.1928% | 6,602 |
| Return on assets (ROA) | -1.1928% | 6,597 |
| Pretax return on assets | -1.8134% | 6,630 |
| Return on Equity (ROE) | -6.8733% | 6,513 |
| Retained earnings to average equity (ytd only) | -9.8314% | 6,352 |
| Net charge-offs to loans | 4.7244% | 25 |
| Credit loss provision to net charge-offs | 101.9722% | 1,629 |
| Earnings coverage of net charge-offs (x) | 0.5638% | 3,320 |
| Efficiency ratio | 31.1615% | 6,668 |
| Assets per employee ($millions) | 15.7596% | 70 |
| Cash dividends to net income (ytd only)* | -43.0368% | 6,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6046% | 2,683 |
| Loan loss allowance to noncurrent loans | 65.8571% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 2.0807% | 1,619 |
| Noncurrent loans to loans | 2.4365% | 1,436 |
| Net loans and leases to total assets | 83.4444% | 267 |
| Net loans and leases to deposits | 103.7258% | 304 |
| Net loans and leases to core deposits | 120.2002% | 324 |
| Total domestic deposits to total assets | 80.4471% | 5,394 |
| Equity capital to assets | 17.1425% | 383 |
| Core capital (leverage) ratio | 17.1425% | 354 |
| Tier 1 risk-based capital ratio | 25.0642% | 882 |
| Total risk-based capital ratio | 26.3234% | 864 |
| Memoranda: | ||
| Average total assets | $346,748,000 | 1,892 |
| Average earning assets | $337,903,500 | 1,784 |
| Average equity | $60,174,500 | 1,209 |
| Average total loans | $291,932,000 | 1,472 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 2,059 |
| Cost of funding earning assets | 1.2710% | 126 |
| Net interest margin | 3.2696% | 4,777 |
| Noninterest income to average assets | 0.0440% | 6,564 |
| Noninterest expense to average assets | 1.2419% | 6,703 |
| Loan and lease loss provision to assets | 0.2314% | 1,558 |
| Net operating income to assets | 1.1660% | 1,694 |
| Return on assets (ROA) | 1.1660% | 1,753 |
| Pretax return on assets | 1.7604% | 832 |
| Return on Equity (ROE) | 6.9211% | 3,599 |
| Retained earnings to average equity (ytd only) | 4.0662% | 3,292 |
| Net charge-offs to loans | 0.2462% | 2,500 |
| Credit loss provision to net charge-offs | 115.0070% | 2,102 |
| Earnings coverage of net charge-offs (x) | 9.8976% | 2,451 |
| Efficiency ratio | 38.4045% | 6,714 |
| Assets per employee ($millions) | 15.7630% | 69 |
| Cash dividends to net income (ytd only)* | 41.2491% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 2,742 |
| Loan loss allowance to noncurrent loans | 79.8283% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.6941% | 2,172 |
| Noncurrent loans to loans | 2.0098% | 1,982 |
| Net loans and leases to total assets | 82.2368% | 395 |
| Net loans and leases to deposits | 102.9668% | 360 |
| Net loans and leases to core deposits | 119.0727% | 347 |
| Total domestic deposits to total assets | 79.8674% | 5,474 |
| Equity capital to assets | 17.5654% | 350 |
| Core capital (leverage) ratio | 17.5654% | 326 |
| Tier 1 risk-based capital ratio | 26.1966% | 758 |
| Total risk-based capital ratio | 27.4559% | 731 |
| Memoranda: | ||
| Average total assets | $354,298,400 | 1,829 |
| Average earning assets | $345,641,600 | 1,732 |
| Average equity | $59,687,000 | 1,206 |
| Average total loans | $289,643,000 | 1,467 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 2,132 |
| Cost of funding earning assets | 1.2941% | 126 |
| Net interest margin | 3.2329% | 4,884 |
| Noninterest income to average assets | 0.0460% | 6,647 |
| Noninterest expense to average assets | 1.3042% | 6,739 |
| Loan and lease loss provision to assets | 0.2108% | 1,728 |
| Net operating income to assets | 1.1159% | 1,951 |
| Return on assets (ROA) | 1.1159% | 2,018 |
| Pretax return on assets | 1.6845% | 1,135 |
| Return on Equity (ROE) | 6.6934% | 3,824 |
| Retained earnings to average equity (ytd only) | 3.8643% | 3,934 |
| Net charge-offs to loans | 0.2339% | 2,402 |
| Credit loss provision to net charge-offs | 110.8268% | 2,129 |
| Earnings coverage of net charge-offs (x) | 9.9665% | 2,415 |
| Efficiency ratio | 40.7628% | 6,734 |
| Assets per employee ($millions) | 15.9822% | 74 |
| Cash dividends to net income (ytd only)* | 42.2677% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,065 |
| Loan loss allowance to noncurrent loans | 71.7429% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.8398% | 2,217 |
| Noncurrent loans to loans | 2.2110% | 2,005 |
| Net loans and leases to total assets | 81.1341% | 438 |
| Net loans and leases to deposits | 100.7975% | 441 |
| Net loans and leases to core deposits | 116.3818% | 384 |
| Total domestic deposits to total assets | 80.4922% | 5,362 |
| Equity capital to assets | 17.1236% | 404 |
| Core capital (leverage) ratio | 17.1236% | 377 |
| Tier 1 risk-based capital ratio | 25.7090% | 808 |
| Total risk-based capital ratio | 26.9678% | 796 |
| Memoranda: | ||
| Average total assets | $356,176,750 | 1,827 |
| Average earning assets | $347,419,500 | 1,738 |
| Average equity | $59,380,250 | 1,222 |
| Average total loans | $289,595,000 | 1,467 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5714% | 1,940 |
| Cost of funding earning assets | 1.3276% | 125 |
| Net interest margin | 3.2438% | 4,792 |
| Noninterest income to average assets | 0.0554% | 6,656 |
| Noninterest expense to average assets | 1.3989% | 6,733 |
| Loan and lease loss provision to assets | 0.1823% | 2,084 |
| Net operating income to assets | 1.0847% | 1,973 |
| Return on assets (ROA) | 1.0847% | 2,090 |
| Pretax return on assets | 1.6382% | 1,256 |
| Return on Equity (ROE) | 6.5647% | 3,844 |
| Retained earnings to average equity (ytd only) | 3.7222% | 3,935 |
| Net charge-offs to loans | 0.2038% | 2,534 |
| Credit loss provision to net charge-offs | 110.5085% | 2,005 |
| Earnings coverage of net charge-offs (x) | 11.0373% | 2,098 |
| Efficiency ratio | 43.4526% | 6,723 |
| Assets per employee ($millions) | 17.7858% | 57 |
| Cash dividends to net income (ytd only)* | 43.2990% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 3,178 |
| Loan loss allowance to noncurrent loans | 71.4464% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.8251% | 2,378 |
| Noncurrent loans to loans | 2.2291% | 2,136 |
| Net loans and leases to total assets | 79.4524% | 585 |
| Net loans and leases to deposits | 98.2203% | 528 |
| Net loans and leases to core deposits | 113.0066% | 463 |
| Total domestic deposits to total assets | 80.8921% | 5,371 |
| Equity capital to assets | 16.7513% | 440 |
| Core capital (leverage) ratio | 16.7513% | 398 |
| Tier 1 risk-based capital ratio | 25.5298% | 815 |
| Total risk-based capital ratio | 26.7885% | 798 |
| Memoranda: | ||
| Average total assets | $357,699,670 | 1,824 |
| Average earning assets | $348,906,670 | 1,731 |
| Average equity | $59,104,330 | 1,227 |
| Average total loans | $289,502,670 | 1,458 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 1,908 |
| Cost of funding earning assets | 1.3405% | 132 |
| Net interest margin | 3.2352% | 4,777 |
| Noninterest income to average assets | 0.0714% | 6,668 |
| Noninterest expense to average assets | 1.0706% | 6,944 |
| Loan and lease loss provision to assets | 0.1851% | 1,994 |
| Net operating income to assets | 1.3059% | 1,258 |
| Return on assets (ROA) | 1.3059% | 1,365 |
| Pretax return on assets | 1.9727% | 623 |
| Return on Equity (ROE) | 7.9575% | 2,997 |
| Retained earnings to average equity (ytd only) | 5.1102% | 3,168 |
| Net charge-offs to loans | 0.2174% | 2,120 |
| Credit loss provision to net charge-offs | 105.0633% | 1,756 |
| Earnings coverage of net charge-offs (x) | 12.2468% | 1,614 |
| Efficiency ratio | 33.1606% | 6,941 |
| Assets per employee ($millions) | 18.9194% | 59 |
| Cash dividends to net income (ytd only)* | 35.7814% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 3,524 |
| Loan loss allowance to noncurrent loans | 75.6986% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.6975% | 2,743 |
| Noncurrent loans to loans | 2.0744% | 2,537 |
| Net loans and leases to total assets | 79.3596% | 485 |
| Net loans and leases to deposits | 99.1774% | 385 |
| Net loans and leases to core deposits | 113.6863% | 396 |
| Total domestic deposits to total assets | 80.0177% | 5,750 |
| Equity capital to assets | 16.4796% | 497 |
| Core capital (leverage) ratio | 16.4796% | 408 |
| Tier 1 risk-based capital ratio | 25.0887% | 876 |
| Total risk-based capital ratio | 26.3470% | 864 |
| Memoranda: | ||
| Average total assets | $358,691,500 | 1,844 |
| Average earning assets | $350,019,500 | 1,741 |
| Average equity | $58,863,000 | 1,244 |
| Average total loans | $290,654,500 | 1,453 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 1,820 |
| Cost of funding earning assets | 1.5973% | 107 |
| Net interest margin | 3.3091% | 5,214 |
| Noninterest income to average assets | 0.0295% | 6,754 |
| Noninterest expense to average assets | 1.2577% | 6,973 |
| Loan and lease loss provision to assets | 0.3065% | 2,231 |
| Net operating income to assets | 1.1136% | 1,893 |
| Return on assets (ROA) | 1.1136% | 2,067 |
| Pretax return on assets | 1.6815% | 1,180 |
| Return on Equity (ROE) | 7.0607% | 3,607 |
| Retained earnings to average equity (ytd only) | 3.5070% | 3,748 |
| Net charge-offs to loans | 2.2657% | 296 |
| Credit loss provision to net charge-offs | 16.3578% | 5,323 |
| Earnings coverage of net charge-offs (x) | 1.0610% | 4,933 |
| Efficiency ratio | 38.7499% | 6,953 |
| Assets per employee ($millions) | 17.8957% | 64 |
| Cash dividends to net income (ytd only)* | 50.3315% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 3,482 |
| Loan loss allowance to noncurrent loans | 62.9224% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.0424% | 2,401 |
| Noncurrent loans to loans | 2.4770% | 2,142 |
| Net loans and leases to total assets | 80.1707% | 456 |
| Net loans and leases to deposits | 100.1760% | 407 |
| Net loans and leases to core deposits | 114.4961% | 398 |
| Total domestic deposits to total assets | 80.0298% | 5,652 |
| Equity capital to assets | 16.3411% | 496 |
| Core capital (leverage) ratio | 16.3411% | 410 |
| Tier 1 risk-based capital ratio | 24.2570% | 942 |
| Total risk-based capital ratio | 25.5149% | 921 |
| Memoranda: | ||
| Average total assets | $365,744,000 | 1,780 |
| Average earning assets | $355,469,800 | 1,676 |
| Average equity | $57,685,200 | 1,231 |
| Average total loans | $302,466,000 | 1,383 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9499% | 1,834 |
| Cost of funding earning assets | 1.6461% | 106 |
| Net interest margin | 3.3038% | 5,383 |
| Noninterest income to average assets | 0.0265% | 6,876 |
| Noninterest expense to average assets | 1.2242% | 7,075 |
| Loan and lease loss provision to assets | 0.3071% | 2,151 |
| Net operating income to assets | 1.1281% | 1,994 |
| Return on assets (ROA) | 1.1281% | 2,189 |
| Pretax return on assets | 1.7032% | 1,261 |
| Return on Equity (ROE) | 7.2157% | 3,687 |
| Retained earnings to average equity (ytd only) | 4.4092% | 3,788 |
| Net charge-offs to loans | 2.8823% | 195 |
| Credit loss provision to net charge-offs | 12.8372% | 5,045 |
| Earnings coverage of net charge-offs (x) | 0.8403% | 4,909 |
| Efficiency ratio | 37.8475% | 7,048 |
| Assets per employee ($millions) | 17.3379% | 69 |
| Cash dividends to net income (ytd only)* | 38.8941% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 3,902 |
| Loan loss allowance to noncurrent loans | 84.4345% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.4991% | 3,343 |
| Noncurrent loans to loans | 1.7909% | 3,087 |
| Net loans and leases to total assets | 80.9287% | 439 |
| Net loans and leases to deposits | 101.5369% | 376 |
| Net loans and leases to core deposits | 115.7055% | 394 |
| Total domestic deposits to total assets | 79.7037% | 5,729 |
| Equity capital to assets | 16.0301% | 601 |
| Core capital (leverage) ratio | 16.0301% | 472 |
| Tier 1 risk-based capital ratio | 23.4534% | 1,101 |
| Total risk-based capital ratio | 24.7104% | 1,079 |
| Memoranda: | ||
| Average total assets | $367,701,500 | 1,792 |
| Average earning assets | $357,038,750 | 1,690 |
| Average equity | $57,484,750 | 1,242 |
| Average total loans | $305,211,250 | 1,386 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 2,000 |
| Cost of funding earning assets | 1.7236% | 93 |
| Net interest margin | 3.2031% | 5,736 |
| Noninterest income to average assets | 0.0304% | 6,919 |
| Noninterest expense to average assets | 1.0203% | 7,183 |
| Loan and lease loss provision to assets | 0.2597% | 2,500 |
| Net operating income to assets | 1.2312% | 1,607 |
| Return on assets (ROA) | 1.2312% | 1,797 |
| Pretax return on assets | 1.8596% | 923 |
| Return on Equity (ROE) | 7.9418% | 3,284 |
| Retained earnings to average equity (ytd only) | 5.1791% | 3,169 |
| Net charge-offs to loans | 4.0694% | 105 |
| Credit loss provision to net charge-offs | 7.6628% | 4,761 |
| Earnings coverage of net charge-offs (x) | 0.6253% | 4,752 |
| Efficiency ratio | 32.4987% | 7,159 |
| Assets per employee ($millions) | 17.4660% | 63 |
| Cash dividends to net income (ytd only)* | 34.7864% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 4,171 |
| Loan loss allowance to noncurrent loans | 74.6271% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.6696% | 3,214 |
| Noncurrent loans to loans | 1.9646% | 2,983 |
| Net loans and leases to total assets | 82.5106% | 306 |
| Net loans and leases to deposits | 105.3456% | 243 |
| Net loans and leases to core deposits | 119.6198% | 320 |
| Total domestic deposits to total assets | 78.3237% | 6,098 |
| Equity capital to assets | 15.7980% | 621 |
| Core capital (leverage) ratio | 15.7980% | 489 |
| Tier 1 risk-based capital ratio | 22.1565% | 1,259 |
| Total risk-based capital ratio | 23.4122% | 1,240 |
| Memoranda: | ||
| Average total assets | $368,903,330 | 1,786 |
| Average earning assets | $358,087,000 | 1,688 |
| Average equity | $57,191,330 | 1,246 |
| Average total loans | $307,221,000 | 1,374 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9671% | 2,010 |
| Cost of funding earning assets | 1.8253% | 79 |
| Net interest margin | 3.1418% | 5,928 |
| Noninterest income to average assets | 0.0303% | 7,010 |
| Noninterest expense to average assets | 1.0271% | 7,250 |
| Loan and lease loss provision to assets | 0.2584% | 2,390 |
| Net operating income to assets | 1.1850% | 1,786 |
| Return on assets (ROA) | 1.1850% | 1,960 |
| Pretax return on assets | 1.7894% | 1,096 |
| Return on Equity (ROE) | 7.7163% | 3,405 |
| Retained earnings to average equity (ytd only) | 4.9354% | 3,596 |
| Net charge-offs to loans | 7.8005% | 35 |
| Credit loss provision to net charge-offs | 3.9887% | 3,965 |
| Earnings coverage of net charge-offs (x) | 0.3161% | 4,208 |
| Efficiency ratio | 33.4037% | 7,209 |
| Assets per employee ($millions) | 17.6321% | 67 |
| Cash dividends to net income (ytd only)* | 36.0401% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 4,232 |
| Loan loss allowance to noncurrent loans | 79.6969% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 3,497 |
| Noncurrent loans to loans | 1.8655% | 3,322 |
| Net loans and leases to total assets | 80.9214% | 338 |
| Net loans and leases to deposits | 102.7901% | 286 |
| Net loans and leases to core deposits | 116.8699% | 363 |
| Total domestic deposits to total assets | 78.7249% | 6,139 |
| Equity capital to assets | 15.4386% | 672 |
| Core capital (leverage) ratio | 15.4386% | 542 |
| Tier 1 risk-based capital ratio | 21.8345% | 1,312 |
| Total risk-based capital ratio | 23.0904% | 1,289 |
| Memoranda: | ||
| Average total assets | $369,961,500 | 1,786 |
| Average earning assets | $358,522,500 | 1,689 |
| Average equity | $56,814,500 | 1,250 |
| Average total loans | $307,261,000 | 1,378 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 2,060 |
| Cost of funding earning assets | 1.9472% | 118 |
| Net interest margin | 3.2523% | 5,955 |
| Noninterest income to average assets | 0.0283% | 6,910 |
| Noninterest expense to average assets | 0.9934% | 7,295 |
| Loan and lease loss provision to assets | 1.3256% | 608 |
| Net operating income to assets | 0.5714% | 4,145 |
| Return on assets (ROA) | 0.5714% | 4,327 |
| Pretax return on assets | 0.8594% | 3,746 |
| Return on Equity (ROE) | 3.6923% | 4,995 |
| Retained earnings to average equity (ytd only) | 0.8871% | 5,444 |
| Net charge-offs to loans | 0.9615% | 1,794 |
| Credit loss provision to net charge-offs | 162.5589% | 1,692 |
| Earnings coverage of net charge-offs (x) | 2.6795% | 3,869 |
| Efficiency ratio | 31.2543% | 7,287 |
| Assets per employee ($millions) | 16.0717% | 77 |
| Cash dividends to net income (ytd only)* | 75.9731% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1197% | 1,950 |
| Loan loss allowance to noncurrent loans | 94.2145% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.9324% | 3,062 |
| Noncurrent loans to loans | 2.2499% | 2,897 |
| Net loans and leases to total assets | 82.1834% | 326 |
| Net loans and leases to deposits | 104.7007% | 289 |
| Net loans and leases to core deposits | 119.2460% | 370 |
| Total domestic deposits to total assets | 78.4937% | 6,095 |
| Equity capital to assets | 15.2750% | 726 |
| Core capital (leverage) ratio | 15.2750% | 563 |
| Tier 1 risk-based capital ratio | 21.1459% | 1,388 |
| Total risk-based capital ratio | 22.4106% | 1,360 |
| Memoranda: | ||
| Average total assets | $364,215,400 | 1,782 |
| Average earning assets | $352,765,000 | 1,680 |
| Average equity | $56,360,800 | 1,207 |
| Average total loans | $308,896,400 | 1,373 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 2,199 |
| Cost of funding earning assets | 1.9815% | 128 |
| Net interest margin | 3.2205% | 6,111 |
| Noninterest income to average assets | 0.0184% | 7,054 |
| Noninterest expense to average assets | 0.9995% | 7,373 |
| Loan and lease loss provision to assets | 1.0913% | 754 |
| Net operating income to assets | 0.6959% | 3,643 |
| Return on assets (ROA) | 0.6959% | 3,815 |
| Pretax return on assets | 1.0480% | 3,222 |
| Return on Equity (ROE) | 4.4826% | 4,776 |
| Retained earnings to average equity (ytd only) | 1.6780% | 5,298 |
| Net charge-offs to loans | 0.8211% | 1,923 |
| Credit loss provision to net charge-offs | 156.3158% | 1,986 |
| Earnings coverage of net charge-offs (x) | 3.0642% | 3,605 |
| Efficiency ratio | 31.8427% | 7,350 |
| Assets per employee ($millions) | 15.8312% | 83 |
| Cash dividends to net income (ytd only)* | 62.5660% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 2,772 |
| Loan loss allowance to noncurrent loans | 79.6561% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 2.0068% | 3,132 |
| Noncurrent loans to loans | 2.3278% | 2,978 |
| Net loans and leases to total assets | 84.1831% | 208 |
| Net loans and leases to deposits | 107.7723% | 215 |
| Net loans and leases to core deposits | 122.1224% | 336 |
| Total domestic deposits to total assets | 78.1120% | 6,176 |
| Equity capital to assets | 15.5645% | 710 |
| Core capital (leverage) ratio | 15.5645% | 564 |
| Tier 1 risk-based capital ratio | 20.9830% | 1,460 |
| Total risk-based capital ratio | 22.2437% | 1,435 |
| Memoranda: | ||
| Average total assets | $362,857,000 | 1,799 |
| Average earning assets | $351,573,250 | 1,690 |
| Average equity | $56,335,000 | 1,203 |
| Average total loans | $308,528,250 | 1,389 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2376% | 2,107 |
| Cost of funding earning assets | 2.0135% | 134 |
| Net interest margin | 3.2241% | 6,082 |
| Noninterest income to average assets | 0.0182% | 7,151 |
| Noninterest expense to average assets | 1.0153% | 7,451 |
| Loan and lease loss provision to assets | 1.0302% | 834 |
| Net operating income to assets | 0.7267% | 3,405 |
| Return on assets (ROA) | 0.7267% | 3,525 |
| Pretax return on assets | 1.0943% | 2,875 |
| Return on Equity (ROE) | 4.6850% | 4,598 |
| Retained earnings to average equity (ytd only) | 1.8711% | 5,044 |
| Net charge-offs to loans | 0.6535% | 2,211 |
| Credit loss provision to net charge-offs | 185.9562% | 1,622 |
| Earnings coverage of net charge-offs (x) | 3.8347% | 3,038 |
| Efficiency ratio | 32.3374% | 7,422 |
| Assets per employee ($millions) | 15.8063% | 81 |
| Cash dividends to net income (ytd only)* | 60.0607% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 2,912 |
| Loan loss allowance to noncurrent loans | 70.3452% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 2.2160% | 2,958 |
| Noncurrent loans to loans | 2.5906% | 2,784 |
| Net loans and leases to total assets | 82.7496% | 322 |
| Net loans and leases to deposits | 105.9185% | 268 |
| Net loans and leases to core deposits | 119.6845% | 429 |
| Total domestic deposits to total assets | 78.1257% | 6,262 |
| Equity capital to assets | 15.5386% | 695 |
| Core capital (leverage) ratio | 15.5386% | 571 |
| Tier 1 risk-based capital ratio | 21.1295% | 1,398 |
| Total risk-based capital ratio | 22.3897% | 1,376 |
| Memoranda: | ||
| Average total assets | $362,436,670 | 1,806 |
| Average earning assets | $350,923,330 | 1,709 |
| Average equity | $56,222,330 | 1,189 |
| Average total loans | $307,265,330 | 1,412 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 2,066 |
| Cost of funding earning assets | 2.0231% | 153 |
| Net interest margin | 3.2225% | 6,004 |
| Noninterest income to average assets | 0.0210% | 7,241 |
| Noninterest expense to average assets | 1.0401% | 7,509 |
| Loan and lease loss provision to assets | 1.0257% | 736 |
| Net operating income to assets | 0.7129% | 3,462 |
| Return on assets (ROA) | 0.7129% | 3,528 |
| Pretax return on assets | 1.0733% | 2,856 |
| Return on Equity (ROE) | 4.5999% | 4,597 |
| Retained earnings to average equity (ytd only) | 1.7758% | 5,055 |
| Net charge-offs to loans | 0.6630% | 1,882 |
| Credit loss provision to net charge-offs | 181.9608% | 1,608 |
| Earnings coverage of net charge-offs (x) | 3.7235% | 2,654 |
| Efficiency ratio | 33.1338% | 7,475 |
| Assets per employee ($millions) | 15.8101% | 88 |
| Cash dividends to net income (ytd only)* | 61.3953% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 3,423 |
| Loan loss allowance to noncurrent loans | 68.6390% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 2.0672% | 3,241 |
| Noncurrent loans to loans | 2.4426% | 3,048 |
| Net loans and leases to total assets | 82.8808% | 285 |
| Net loans and leases to deposits | 106.2488% | 242 |
| Net loans and leases to core deposits | 120.1985% | 412 |
| Total domestic deposits to total assets | 78.0063% | 6,381 |
| Equity capital to assets | 15.4588% | 667 |
| Core capital (leverage) ratio | 15.4588% | 584 |
| Tier 1 risk-based capital ratio | 20.9745% | 1,401 |
| Total risk-based capital ratio | 22.2326% | 1,377 |
| Memoranda: | ||
| Average total assets | $361,882,000 | 1,818 |
| Average earning assets | $350,158,500 | 1,717 |
| Average equity | $56,088,500 | 1,180 |
| Average total loans | $307,689,500 | 1,420 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6111% | 1,851 |
| Cost of funding earning assets | 2.4912% | 113 |
| Net interest margin | 3.1199% | 6,465 |
| Noninterest income to average assets | 0.0209% | 7,216 |
| Noninterest expense to average assets | 1.0232% | 7,576 |
| Loan and lease loss provision to assets | 0.9925% | 1,636 |
| Net operating income to assets | 0.6829% | 3,290 |
| Return on assets (ROA) | 0.6829% | 3,423 |
| Pretax return on assets | 1.0274% | 2,845 |
| Return on Equity (ROE) | 4.4147% | 4,338 |
| Retained earnings to average equity (ytd only) | 1.7443% | 4,633 |
| Net charge-offs to loans | 0.7744% | 2,697 |
| Credit loss provision to net charge-offs | 144.1117% | 2,584 |
| Earnings coverage of net charge-offs (x) | 2.9328% | 3,606 |
| Efficiency ratio | 33.6234% | 7,563 |
| Assets per employee ($millions) | 16.3696% | 82 |
| Cash dividends to net income (ytd only)* | 60.4898% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 3,865 |
| Loan loss allowance to noncurrent loans | 66.8792% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.9684% | 3,381 |
| Noncurrent loans to loans | 2.2855% | 3,235 |
| Net loans and leases to total assets | 84.4518% | 268 |
| Net loans and leases to deposits | 108.5746% | 258 |
| Net loans and leases to core deposits | 121.8873% | 476 |
| Total domestic deposits to total assets | 77.7823% | 6,359 |
| Equity capital to assets | 15.5399% | 671 |
| Core capital (leverage) ratio | 15.5399% | 574 |
| Tier 1 risk-based capital ratio | 20.7143% | 1,360 |
| Total risk-based capital ratio | 21.9702% | 1,342 |
| Memoranda: | ||
| Average total assets | $358,783,400 | 1,822 |
| Average earning assets | $347,545,400 | 1,719 |
| Average equity | $55,496,400 | 1,204 |
| Average total loans | $319,102,400 | 1,406 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6849% | 1,764 |
| Cost of funding earning assets | 2.5654% | 112 |
| Net interest margin | 3.1195% | 6,569 |
| Noninterest income to average assets | 0.0201% | 7,391 |
| Noninterest expense to average assets | 1.0393% | 7,689 |
| Loan and lease loss provision to assets | 1.0534% | 1,399 |
| Net operating income to assets | 0.6327% | 3,740 |
| Return on assets (ROA) | 0.6327% | 3,909 |
| Pretax return on assets | 0.9511% | 3,364 |
| Return on Equity (ROE) | 4.0953% | 4,726 |
| Retained earnings to average equity (ytd only) | 1.4181% | 5,237 |
| Net charge-offs to loans | 0.8800% | 2,246 |
| Credit loss provision to net charge-offs | 133.3961% | 3,029 |
| Earnings coverage of net charge-offs (x) | 2.5384% | 3,896 |
| Efficiency ratio | 34.1440% | 7,649 |
| Assets per employee ($millions) | 16.4538% | 81 |
| Cash dividends to net income (ytd only)* | 65.3734% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 4,603 |
| Loan loss allowance to noncurrent loans | 72.8066% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.6799% | 3,929 |
| Noncurrent loans to loans | 1.8878% | 3,814 |
| Net loans and leases to total assets | 86.0323% | 200 |
| Net loans and leases to deposits | 113.4555% | 195 |
| Net loans and leases to core deposits | 128.0049% | 412 |
| Total domestic deposits to total assets | 75.8290% | 6,686 |
| Equity capital to assets | 15.3557% | 809 |
| Core capital (leverage) ratio | 15.3557% | 653 |
| Tier 1 risk-based capital ratio | 20.0099% | 1,550 |
| Total risk-based capital ratio | 21.2313% | 1,523 |
| Memoranda: | ||
| Average total assets | $358,446,250 | 1,849 |
| Average earning assets | $347,435,500 | 1,747 |
| Average equity | $55,379,500 | 1,203 |
| Average total loans | $321,663,250 | 1,413 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7443% | 1,572 |
| Cost of funding earning assets | 2.6091% | 125 |
| Net interest margin | 3.1352% | 6,506 |
| Noninterest income to average assets | 0.0151% | 7,480 |
| Noninterest expense to average assets | 0.9830% | 7,776 |
| Loan and lease loss provision to assets | 0.9377% | 1,561 |
| Net operating income to assets | 0.7552% | 3,173 |
| Return on assets (ROA) | 0.7552% | 3,329 |
| Pretax return on assets | 1.1370% | 2,646 |
| Return on Equity (ROE) | 4.8779% | 4,347 |
| Retained earnings to average equity (ytd only) | 2.1985% | 4,745 |
| Net charge-offs to loans | 0.8998% | 2,030 |
| Credit loss provision to net charge-offs | 115.0412% | 3,534 |
| Earnings coverage of net charge-offs (x) | 2.5453% | 3,727 |
| Efficiency ratio | 32.1494% | 7,731 |
| Assets per employee ($millions) | 16.3474% | 82 |
| Cash dividends to net income (ytd only)* | 54.9296% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 5,506 |
| Loan loss allowance to noncurrent loans | 59.9688% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.8516% | 3,688 |
| Noncurrent loans to loans | 1.9853% | 3,740 |
| Net loans and leases to total assets | 88.8467% | 98 |
| Net loans and leases to deposits | 120.9767% | 113 |
| Net loans and leases to core deposits | 135.1660% | 341 |
| Total domestic deposits to total assets | 73.4412% | 7,045 |
| Equity capital to assets | 15.4609% | 780 |
| Core capital (leverage) ratio | 15.4609% | 641 |
| Tier 1 risk-based capital ratio | 19.4373% | 1,619 |
| Total risk-based capital ratio | 20.6185% | 1,602 |
| Memoranda: | ||
| Average total assets | $357,267,000 | 1,875 |
| Average earning assets | $346,708,670 | 1,761 |
| Average equity | $55,311,000 | 1,192 |
| Average total loans | $323,630,000 | 1,414 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7684% | 1,562 |
| Cost of funding earning assets | 2.6500% | 143 |
| Net interest margin | 3.1184% | 6,545 |
| Noninterest income to average assets | 0.0169% | 7,603 |
| Noninterest expense to average assets | 1.0852% | 7,860 |
| Loan and lease loss provision to assets | 0.7628% | 1,663 |
| Net operating income to assets | 0.7953% | 2,986 |
| Return on assets (ROA) | 0.7953% | 3,094 |
| Pretax return on assets | 1.1975% | 2,368 |
| Return on Equity (ROE) | 5.1337% | 4,289 |
| Retained earnings to average equity (ytd only) | 2.4436% | 4,671 |
| Net charge-offs to loans | 0.6585% | 2,175 |
| Credit loss provision to net charge-offs | 127.3921% | 2,768 |
| Earnings coverage of net charge-offs (x) | 3.2739% | 2,955 |
| Efficiency ratio | 35.6326% | 7,794 |
| Assets per employee ($millions) | 15.5787% | 99 |
| Cash dividends to net income (ytd only)* | 52.4011% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,688 |
| Loan loss allowance to noncurrent loans | 68.4984% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.5947% | 4,102 |
| Noncurrent loans to loans | 1.6994% | 4,194 |
| Net loans and leases to total assets | 89.5027% | 82 |
| Net loans and leases to deposits | 122.8042% | 115 |
| Net loans and leases to core deposits | 137.5284% | 359 |
| Total domestic deposits to total assets | 72.8824% | 7,179 |
| Equity capital to assets | 15.4428% | 777 |
| Core capital (leverage) ratio | 15.4428% | 663 |
| Tier 1 risk-based capital ratio | 19.2891% | 1,657 |
| Total risk-based capital ratio | 20.5398% | 1,629 |
| Memoranda: | ||
| Average total assets | $356,079,000 | 1,925 |
| Average earning assets | $345,813,000 | 1,811 |
| Average equity | $55,164,500 | 1,210 |
| Average total loans | $323,754,500 | 1,457 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7826% | 2,730 |
| Cost of funding earning assets | 3.1247% | 155 |
| Net interest margin | 2.6579% | 7,266 |
| Noninterest income to average assets | 0.0207% | 7,620 |
| Noninterest expense to average assets | 1.1147% | 7,931 |
| Loan and lease loss provision to assets | 0.4834% | 3,950 |
| Net operating income to assets | 0.6695% | 3,064 |
| Return on assets (ROA) | 0.6695% | 3,116 |
| Pretax return on assets | 1.0067% | 2,567 |
| Return on Equity (ROE) | 4.2664% | 3,975 |
| Retained earnings to average equity (ytd only) | 1.1018% | 4,271 |
| Net charge-offs to loans | 0.3714% | 4,355 |
| Credit loss provision to net charge-offs | 143.8462% | 3,328 |
| Earnings coverage of net charge-offs (x) | 4.4342% | 2,956 |
| Efficiency ratio | 42.7941% | 7,806 |
| Assets per employee ($millions) | 14.7437% | 114 |
| Cash dividends to net income (ytd only)* | 74.1742% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 5,785 |
| Loan loss allowance to noncurrent loans | 69.0042% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.5662% | 4,031 |
| Noncurrent loans to loans | 1.6289% | 4,202 |
| Net loans and leases to total assets | 90.2659% | 82 |
| Net loans and leases to deposits | 125.6932% | 118 |
| Net loans and leases to core deposits | 175.7449% | 187 |
| Total domestic deposits to total assets | 71.8145% | 7,264 |
| Equity capital to assets | 15.5423% | 777 |
| Core capital (leverage) ratio | 15.5423% | 687 |
| Tier 1 risk-based capital ratio | 19.3309% | 1,585 |
| Total risk-based capital ratio | 20.5812% | 1,545 |
| Memoranda: | ||
| Average total assets | $348,165,400 | 1,957 |
| Average earning assets | $338,499,000 | 1,840 |
| Average equity | $54,636,200 | 1,205 |
| Average total loans | $314,994,200 | 1,523 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7860% | 2,948 |
| Cost of funding earning assets | 3.2034% | 186 |
| Net interest margin | 2.5826% | 7,373 |
| Noninterest income to average assets | 0.0204% | 7,767 |
| Noninterest expense to average assets | 1.0986% | 8,014 |
| Loan and lease loss provision to assets | 0.4683% | 3,564 |
| Net operating income to assets | 0.6418% | 3,444 |
| Return on assets (ROA) | 0.6418% | 3,516 |
| Pretax return on assets | 0.9648% | 3,009 |
| Return on Equity (ROE) | 4.0796% | 4,343 |
| Retained earnings to average equity (ytd only) | 0.7602% | 4,860 |
| Net charge-offs to loans | 0.2922% | 4,201 |
| Credit loss provision to net charge-offs | 177.5510% | 2,599 |
| Earnings coverage of net charge-offs (x) | 5.4330% | 2,825 |
| Efficiency ratio | 43.3931% | 7,853 |
| Assets per employee ($millions) | 14.7727% | 110 |
| Cash dividends to net income (ytd only)* | 81.3659% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 5,483 |
| Loan loss allowance to noncurrent loans | 91.8701% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 4,689 |
| Noncurrent loans to loans | 1.2394% | 4,877 |
| Net loans and leases to total assets | 89.3810% | 141 |
| Net loans and leases to deposits | 126.6227% | 130 |
| Net loans and leases to core deposits | 179.2936% | 190 |
| Total domestic deposits to total assets | 70.5885% | 7,369 |
| Equity capital to assets | 15.4296% | 903 |
| Core capital (leverage) ratio | 15.4296% | 778 |
| Tier 1 risk-based capital ratio | 19.5147% | 1,644 |
| Total risk-based capital ratio | 20.7650% | 1,604 |
| Memoranda: | ||
| Average total assets | $346,744,750 | 1,976 |
| Average earning assets | $337,175,750 | 1,859 |
| Average equity | $54,546,250 | 1,225 |
| Average total loans | $312,984,000 | 1,549 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7867% | 3,116 |
| Cost of funding earning assets | 3.2799% | 218 |
| Net interest margin | 2.5068% | 7,471 |
| Noninterest income to average assets | 0.0192% | 7,871 |
| Noninterest expense to average assets | 1.1582% | 8,094 |
| Loan and lease loss provision to assets | 0.3098% | 4,092 |
| Net operating income to assets | 0.6567% | 3,442 |
| Return on assets (ROA) | 0.6567% | 3,552 |
| Pretax return on assets | 0.9880% | 3,056 |
| Return on Equity (ROE) | 4.1473% | 4,433 |
| Retained earnings to average equity (ytd only) | 0.5212% | 4,994 |
| Net charge-offs to loans | 0.2796% | 3,799 |
| Credit loss provision to net charge-offs | 122.8111% | 3,788 |
| Earnings coverage of net charge-offs (x) | 5.1452% | 2,903 |
| Efficiency ratio | 47.1604% | 7,796 |
| Assets per employee ($millions) | 14.5476% | 108 |
| Cash dividends to net income (ytd only)* | 87.4336% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,094 |
| Loan loss allowance to noncurrent loans | 81.6497% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 4,540 |
| Noncurrent loans to loans | 1.2461% | 4,720 |
| Net loans and leases to total assets | 89.6412% | 152 |
| Net loans and leases to deposits | 127.7705% | 136 |
| Net loans and leases to core deposits | 180.0135% | 218 |
| Total domestic deposits to total assets | 70.1580% | 7,457 |
| Equity capital to assets | 15.6200% | 902 |
| Core capital (leverage) ratio | 15.6200% | 803 |
| Tier 1 risk-based capital ratio | 19.6458% | 1,641 |
| Total risk-based capital ratio | 20.8047% | 1,623 |
| Memoranda: | ||
| Average total assets | $344,144,670 | 2,009 |
| Average earning assets | $334,525,670 | 1,894 |
| Average equity | $54,493,330 | 1,231 |
| Average total loans | $310,463,330 | 1,599 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7998% | 3,306 |
| Cost of funding earning assets | 3.3701% | 220 |
| Net interest margin | 2.4297% | 7,587 |
| Noninterest income to average assets | 0.0164% | 7,992 |
| Noninterest expense to average assets | 1.0888% | 8,146 |
| Loan and lease loss provision to assets | 0.1452% | 5,090 |
| Net operating income to assets | 0.7610% | 3,295 |
| Return on assets (ROA) | 0.7610% | 3,470 |
| Pretax return on assets | 1.1450% | 2,818 |
| Return on Equity (ROE) | 4.7731% | 4,565 |
| Retained earnings to average equity (ytd only) | 1.1455% | 5,184 |
| Net charge-offs to loans | 0.2939% | 2,935 |
| Credit loss provision to net charge-offs | 54.8673% | 4,603 |
| Earnings coverage of net charge-offs (x) | 4.8761% | 2,796 |
| Efficiency ratio | 45.7677% | 7,854 |
| Assets per employee ($millions) | 14.9869% | 112 |
| Cash dividends to net income (ytd only)* | 76.0000% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,285 |
| Loan loss allowance to noncurrent loans | 68.1274% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.3568% | 3,948 |
| Noncurrent loans to loans | 1.4452% | 4,132 |
| Net loans and leases to total assets | 87.9930% | 265 |
| Net loans and leases to deposits | 126.1315% | 188 |
| Net loans and leases to core deposits | 173.8501% | 299 |
| Total domestic deposits to total assets | 69.7629% | 7,445 |
| Equity capital to assets | 15.8254% | 903 |
| Core capital (leverage) ratio | 15.8254% | 806 |
| Tier 1 risk-based capital ratio | 20.0037% | 1,622 |
| Total risk-based capital ratio | 21.1096% | 1,600 |
| Memoranda: | ||
| Average total assets | $341,646,000 | 2,031 |
| Average earning assets | $332,218,500 | 1,905 |
| Average equity | $54,472,000 | 1,243 |
| Average total loans | $307,599,000 | 1,626 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0359% | 5,388 |
| Cost of funding earning assets | 3.6476% | 318 |
| Net interest margin | 2.3883% | 7,860 |
| Noninterest income to average assets | 0.0172% | 8,043 |
| Noninterest expense to average assets | 1.0440% | 8,196 |
| Loan and lease loss provision to assets | 1.0962% | 1,322 |
| Net operating income to assets | 0.1382% | 6,008 |
| Return on assets (ROA) | 0.1382% | 5,838 |
| Pretax return on assets | 0.1984% | 5,733 |
| Return on Equity (ROE) | 0.8420% | 5,963 |
| Retained earnings to average equity (ytd only) | -2.9544% | 6,095 |
| Net charge-offs to loans | 0.7792% | 1,597 |
| Credit loss provision to net charge-offs | 152.7904% | 3,425 |
| Earnings coverage of net charge-offs (x) | 1.8045% | 5,172 |
| Efficiency ratio | 44.6417% | 7,985 |
| Assets per employee ($millions) | 15.3906% | 106 |
| Cash dividends to net income (ytd only)* | 450.8584% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 5,944 |
| Loan loss allowance to noncurrent loans | 72.2931% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 3,518 |
| Noncurrent loans to loans | 1.3964% | 3,723 |
| Net loans and leases to total assets | 90.3010% | 177 |
| Net loans and leases to deposits | 132.6604% | 175 |
| Net loans and leases to core deposits | 180.8965% | 277 |
| Total domestic deposits to total assets | 68.0693% | 7,462 |
| Equity capital to assets | 16.0647% | 918 |
| Core capital (leverage) ratio | 16.0647% | 812 |
| Tier 1 risk-based capital ratio | 19.9585% | 1,625 |
| Total risk-based capital ratio | 21.1025% | 1,604 |
| Memoranda: | ||
| Average total assets | $337,152,600 | 1,979 |
| Average earning assets | $327,721,400 | 1,864 |
| Average equity | $55,341,600 | 1,219 |
| Average total loans | $310,436,600 | 1,560 |