Home > Providence Bank > Performance and Condition Ratios
Providence Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1922% | 500 |
| Cost of funding earning assets | 2.4480% | 411 |
| Net interest margin | 3.7442% | 1,663 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.4179% | 4,381 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.7174% | 709 |
| Return on assets (ROA) | 1.7182% | 677 |
| Pretax return on assets | 2.1571% | 522 |
| Return on Equity (ROE) | 15.2700% | 1,234 |
| Retained earnings to average equity (ytd only) | 15.2707% | 312 |
| Net charge-offs to loans | -0.0009% | 3,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 38.1460% | 4,397 |
| Assets per employee ($millions) | 16.9468% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8146% | 3,932 |
| Loan loss allowance to noncurrent loans | 961.9116% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,089 |
| Noncurrent loans to loans | 0.0847% | 3,121 |
| Net loans and leases to total assets | 83.5300% | 307 |
| Net loans and leases to deposits | 101.2570% | 468 |
| Net loans and leases to core deposits | 146.7549% | 226 |
| Total domestic deposits to total assets | 82.5000% | 3,025 |
| Equity capital to assets | 11.1318% | 1,421 |
| Core capital (leverage) ratio | 11.8773% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1699% | 2,183 |
| Memoranda: | ||
| Average total assets | $904,453,600 | 1,076 |
| Average earning assets | $856,996,200 | 1,049 |
| Average equity | $101,763,400 | 930 |
| Average total loans | $743,547,600 | 911 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1217% | 456 |
| Cost of funding earning assets | 2.2784% | 430 |
| Net interest margin | 3.8433% | 1,511 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.4205% | 4,381 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.7601% | 715 |
| Return on assets (ROA) | 1.7612% | 702 |
| Pretax return on assets | 2.2310% | 535 |
| Return on Equity (ROE) | 15.6100% | 1,325 |
| Retained earnings to average equity (ytd only) | 15.6070% | 500 |
| Net charge-offs to loans | -0.0020% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.5266% | 4,415 |
| Assets per employee ($millions) | 16.3243% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 3,899 |
| Loan loss allowance to noncurrent loans | 883.8315% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 3,067 |
| Noncurrent loans to loans | 0.0950% | 3,100 |
| Net loans and leases to total assets | 82.5900% | 388 |
| Net loans and leases to deposits | 104.1907% | 349 |
| Net loans and leases to core deposits | 146.5599% | 165 |
| Total domestic deposits to total assets | 79.2700% | 3,645 |
| Equity capital to assets | 11.0733% | 1,322 |
| Core capital (leverage) ratio | 12.1732% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2940% | 2,164 |
| Memoranda: | ||
| Average total assets | $884,838,750 | 1,100 |
| Average earning assets | $837,636,250 | 1,077 |
| Average equity | $99,850,250 | 943 |
| Average total loans | $722,483,750 | 928 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0742% | 410 |
| Cost of funding earning assets | 2.1323% | 391 |
| Net interest margin | 3.9419% | 1,345 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.4213% | 4,397 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.8854% | 575 |
| Return on assets (ROA) | 1.8870% | 569 |
| Pretax return on assets | 2.3764% | 417 |
| Return on Equity (ROE) | 16.6100% | 1,165 |
| Retained earnings to average equity (ytd only) | 16.6112% | 418 |
| Net charge-offs to loans | -0.0006% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.6205% | 4,462 |
| Assets per employee ($millions) | 15.4322% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8443% | 3,917 |
| Loan loss allowance to noncurrent loans | 7,167.8571% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 3,754 |
| Noncurrent loans to loans | 0.0118% | 3,697 |
| Net loans and leases to total assets | 80.3900% | 594 |
| Net loans and leases to deposits | 101.2570% | 463 |
| Net loans and leases to core deposits | 134.5072% | 271 |
| Total domestic deposits to total assets | 79.3900% | 3,669 |
| Equity capital to assets | 11.6537% | 1,153 |
| Core capital (leverage) ratio | 12.3573% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8632% | 1,955 |
| Memoranda: | ||
| Average total assets | $869,624,000 | 1,103 |
| Average earning assets | $822,755,333 | 1,086 |
| Average equity | $98,788,667 | 948 |
| Average total loans | $704,970,333 | 934 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9467% | 330 |
| Cost of funding earning assets | 1.9760% | 314 |
| Net interest margin | 3.9707% | 1,325 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.4513% | 4,429 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.8864% | 588 |
| Return on assets (ROA) | 1.8899% | 579 |
| Pretax return on assets | 2.3141% | 470 |
| Return on Equity (ROE) | 16.8600% | 1,200 |
| Retained earnings to average equity (ytd only) | 16.8579% | 606 |
| Net charge-offs to loans | -0.0006% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.1773% | 4,509 |
| Assets per employee ($millions) | 15.4295% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,001 |
| Loan loss allowance to noncurrent loans | 7,000.0000% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 3,770 |
| Noncurrent loans to loans | 0.0120% | 3,733 |
| Net loans and leases to total assets | 80.5100% | 494 |
| Net loans and leases to deposits | 100.2225% | 436 |
| Net loans and leases to core deposits | 132.0612% | 258 |
| Total domestic deposits to total assets | 80.3300% | 3,724 |
| Equity capital to assets | 11.3608% | 1,200 |
| Core capital (leverage) ratio | 12.0102% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3883% | 2,225 |
| Memoranda: | ||
| Average total assets | $864,617,000 | 1,123 |
| Average earning assets | $818,002,000 | 1,106 |
| Average equity | $96,928,000 | 971 |
| Average total loans | $700,884,000 | 954 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 366 |
| Cost of funding earning assets | 0.8548% | 316 |
| Net interest margin | 4.0436% | 731 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.3578% | 4,535 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 2.0326% | 282 |
| Return on assets (ROA) | 2.0331% | 269 |
| Pretax return on assets | 2.5615% | 198 |
| Return on Equity (ROE) | 18.1500% | 679 |
| Retained earnings to average equity (ytd only) | 18.1533% | 136 |
| Net charge-offs to loans | -0.0118% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 33.6184% | 4,625 |
| Assets per employee ($millions) | 15.7362% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 3,799 |
| Loan loss allowance to noncurrent loans | 6,979.5455% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,784 |
| Noncurrent loans to loans | 0.0128% | 3,742 |
| Net loans and leases to total assets | 80.2100% | 568 |
| Net loans and leases to deposits | 100.7311% | 409 |
| Net loans and leases to core deposits | 121.8832% | 337 |
| Total domestic deposits to total assets | 79.6300% | 3,928 |
| Equity capital to assets | 11.0550% | 1,235 |
| Core capital (leverage) ratio | 12.1780% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5808% | 2,137 |
| Memoranda: | ||
| Average total assets | $765,229,600 | 1,224 |
| Average earning assets | $722,256,400 | 1,198 |
| Average equity | $85,703,400 | 1,073 |
| Average total loans | $599,372,200 | 1,032 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6303% | 402 |
| Cost of funding earning assets | 0.6725% | 306 |
| Net interest margin | 3.9579% | 698 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.3845% | 4,521 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.9480% | 313 |
| Return on assets (ROA) | 1.9483% | 307 |
| Pretax return on assets | 2.4666% | 220 |
| Return on Equity (ROE) | 17.3300% | 740 |
| Retained earnings to average equity (ytd only) | 17.3317% | 191 |
| Net charge-offs to loans | -0.0182% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 34.8351% | 4,655 |
| Assets per employee ($millions) | 14.1969% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 3,594 |
| Loan loss allowance to noncurrent loans | 6,075.7576% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,844 |
| Noncurrent loans to loans | 0.0160% | 3,812 |
| Net loans and leases to total assets | 78.2800% | 681 |
| Net loans and leases to deposits | 98.2723% | 443 |
| Net loans and leases to core deposits | 108.6253% | 513 |
| Total domestic deposits to total assets | 79.6600% | 4,127 |
| Equity capital to assets | 11.1580% | 1,125 |
| Core capital (leverage) ratio | 12.1548% | 1,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7860% | 2,137 |
| Memoranda: | ||
| Average total assets | $744,098,250 | 1,265 |
| Average earning assets | $702,077,000 | 1,241 |
| Average equity | $83,644,250 | 1,102 |
| Average total loans | $577,288,500 | 1,060 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 443 |
| Cost of funding earning assets | 0.6205% | 241 |
| Net interest margin | 3.7743% | 793 |
| Noninterest income to average assets | 0.1992% | 4,002 |
| Noninterest expense to average assets | 1.4063% | 4,523 |
| Loan and lease loss provision to assets | 0.0951% | 1,046 |
| Net operating income to assets | 1.7935% | 343 |
| Return on assets (ROA) | 1.7935% | 337 |
| Pretax return on assets | 2.2666% | 222 |
| Return on Equity (ROE) | 15.9134% | 715 |
| Retained earnings to average equity (ytd only) | 15.9134% | 196 |
| Net charge-offs to loans | -0.0007% | 3,010 |
| Credit loss provision to net charge-offs | -17,400.0000% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8001% | 4,671 |
| Assets per employee ($millions) | 14.4050% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,559 |
| Loan loss allowance to noncurrent loans | 5,832.6733% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,889 |
| Noncurrent loans to loans | 0.0173% | 3,835 |
| Net loans and leases to total assets | 77.2139% | 621 |
| Net loans and leases to deposits | 94.3702% | 500 |
| Net loans and leases to core deposits | 101.6632% | 604 |
| Total domestic deposits to total assets | 81.8203% | 4,028 |
| Equity capital to assets | 11.4055% | 1,061 |
| Core capital (leverage) ratio | 12.0370% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1149% | 2,009 |
| Memoranda: | ||
| Average total assets | $731,853,667 | 1,274 |
| Average earning assets | $691,996,333 | 1,263 |
| Average equity | $82,484,000 | 1,125 |
| Average total loans | $563,962,000 | 1,067 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2784% | 457 |
| Cost of funding earning assets | 0.6309% | 217 |
| Net interest margin | 3.6475% | 825 |
| Noninterest income to average assets | 0.1405% | 4,311 |
| Noninterest expense to average assets | 1.4175% | 4,522 |
| Loan and lease loss provision to assets | 0.0885% | 935 |
| Net operating income to assets | 1.6548% | 451 |
| Return on assets (ROA) | 1.6548% | 453 |
| Pretax return on assets | 2.0878% | 306 |
| Return on Equity (ROE) | 14.7737% | 689 |
| Retained earnings to average equity (ytd only) | 14.7737% | 304 |
| Net charge-offs to loans | -0.0007% | 2,990 |
| Credit loss provision to net charge-offs | -16,000.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8735% | 4,664 |
| Assets per employee ($millions) | 13.7865% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 3,615 |
| Loan loss allowance to noncurrent loans | 6,065.9574% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,937 |
| Noncurrent loans to loans | 0.0169% | 3,881 |
| Net loans and leases to total assets | 74.0466% | 657 |
| Net loans and leases to deposits | 89.8464% | 517 |
| Net loans and leases to core deposits | 97.4937% | 594 |
| Total domestic deposits to total assets | 82.4147% | 4,027 |
| Equity capital to assets | 11.0158% | 1,326 |
| Core capital (leverage) ratio | 11.3458% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8391% | 2,286 |
| Memoranda: | ||
| Average total assets | $723,251,000 | 1,291 |
| Average earning assets | $684,734,000 | 1,272 |
| Average equity | $81,009,000 | 1,184 |
| Average total loans | $553,808,500 | 1,073 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 629 |
| Cost of funding earning assets | 0.7649% | 244 |
| Net interest margin | 3.7013% | 1,209 |
| Noninterest income to average assets | 0.1943% | 4,199 |
| Noninterest expense to average assets | 1.4330% | 4,600 |
| Loan and lease loss provision to assets | 0.1510% | 798 |
| Net operating income to assets | 1.6508% | 705 |
| Return on assets (ROA) | 1.6529% | 736 |
| Pretax return on assets | 2.0870% | 507 |
| Return on Equity (ROE) | 13.9895% | 1,191 |
| Retained earnings to average equity (ytd only) | 10.9165% | 718 |
| Net charge-offs to loans | 0.0039% | 2,467 |
| Credit loss provision to net charge-offs | 4,845.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 717.2500% | 207 |
| Efficiency ratio | 38.3119% | 4,717 |
| Assets per employee ($millions) | 13.2459% | 292 |
| Cash dividends to net income (ytd only)* | 21.9666% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 3,722 |
| Loan loss allowance to noncurrent loans | 5,771.8750% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,002 |
| Noncurrent loans to loans | 0.0174% | 3,954 |
| Net loans and leases to total assets | 77.6487% | 403 |
| Net loans and leases to deposits | 94.7285% | 357 |
| Net loans and leases to core deposits | 104.5712% | 397 |
| Total domestic deposits to total assets | 81.9698% | 3,971 |
| Equity capital to assets | 11.3968% | 1,556 |
| Core capital (leverage) ratio | 10.7461% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4640% | 2,467 |
| Memoranda: | ||
| Average total assets | $641,721,800 | 1,379 |
| Average earning assets | $602,328,600 | 1,376 |
| Average equity | $75,821,000 | 1,264 |
| Average total loans | $506,832,600 | 1,152 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4771% | 697 |
| Cost of funding earning assets | 0.7816% | 263 |
| Net interest margin | 3.6955% | 1,343 |
| Noninterest income to average assets | 0.2077% | 4,160 |
| Noninterest expense to average assets | 1.4504% | 4,642 |
| Loan and lease loss provision to assets | 0.1430% | 792 |
| Net operating income to assets | 1.6367% | 942 |
| Return on assets (ROA) | 1.6396% | 984 |
| Pretax return on assets | 2.0785% | 702 |
| Return on Equity (ROE) | 13.7406% | 1,472 |
| Retained earnings to average equity (ytd only) | 10.6024% | 1,149 |
| Net charge-offs to loans | 0.0059% | 2,106 |
| Credit loss provision to net charge-offs | 3,054.5455% | 234 |
| Earnings coverage of net charge-offs (x) | 473.8182% | 313 |
| Efficiency ratio | 38.7449% | 4,752 |
| Assets per employee ($millions) | 13.2225% | 287 |
| Cash dividends to net income (ytd only)* | 22.8393% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 3,827 |
| Loan loss allowance to noncurrent loans | 5,404.1237% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,122 |
| Noncurrent loans to loans | 0.0186% | 4,061 |
| Net loans and leases to total assets | 76.5913% | 501 |
| Net loans and leases to deposits | 94.9890% | 377 |
| Net loans and leases to core deposits | 105.4270% | 421 |
| Total domestic deposits to total assets | 80.6318% | 4,143 |
| Equity capital to assets | 11.5719% | 1,626 |
| Core capital (leverage) ratio | 11.2980% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9643% | 2,379 |
| Memoranda: | ||
| Average total assets | $626,644,250 | 1,419 |
| Average earning assets | $586,823,250 | 1,416 |
| Average equity | $74,774,000 | 1,299 |
| Average total loans | $495,875,750 | 1,192 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 719 |
| Cost of funding earning assets | 0.8069% | 283 |
| Net interest margin | 3.6963% | 1,356 |
| Noninterest income to average assets | 0.2273% | 4,038 |
| Noninterest expense to average assets | 1.4618% | 4,662 |
| Loan and lease loss provision to assets | 0.1447% | 833 |
| Net operating income to assets | 1.6343% | 974 |
| Return on assets (ROA) | 1.6387% | 1,020 |
| Pretax return on assets | 2.0778% | 707 |
| Return on Equity (ROE) | 13.5818% | 1,543 |
| Retained earnings to average equity (ytd only) | 8.8048% | 1,779 |
| Net charge-offs to loans | 0.0033% | 2,057 |
| Credit loss provision to net charge-offs | 5,525.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 846.2500% | 161 |
| Efficiency ratio | 38.8998% | 4,778 |
| Assets per employee ($millions) | 12.0525% | 342 |
| Cash dividends to net income (ytd only)* | 35.1719% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,817 |
| Loan loss allowance to noncurrent loans | 4,086.1789% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 2,439 |
| Noncurrent loans to loans | 0.0245% | 4,097 |
| Net loans and leases to total assets | 79.2435% | 361 |
| Net loans and leases to deposits | 99.6601% | 264 |
| Net loans and leases to core deposits | 110.1910% | 354 |
| Total domestic deposits to total assets | 79.5138% | 4,290 |
| Equity capital to assets | 12.0004% | 1,362 |
| Core capital (leverage) ratio | 11.3156% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1464% | 2,306 |
| Memoranda: | ||
| Average total assets | $610,743,000 | 1,442 |
| Average earning assets | $570,296,000 | 1,441 |
| Average equity | $73,687,000 | 1,306 |
| Average total loans | $487,256,333 | 1,208 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 753 |
| Cost of funding earning assets | 0.8173% | 323 |
| Net interest margin | 3.7028% | 1,322 |
| Noninterest income to average assets | 0.2130% | 4,116 |
| Noninterest expense to average assets | 1.4659% | 4,684 |
| Loan and lease loss provision to assets | 0.2363% | 465 |
| Net operating income to assets | 1.5493% | 1,218 |
| Return on assets (ROA) | 1.5582% | 1,264 |
| Pretax return on assets | 1.9736% | 989 |
| Return on Equity (ROE) | 12.8789% | 1,706 |
| Retained earnings to average equity (ytd only) | 10.3558% | 1,559 |
| Net charge-offs to loans | -0.0008% | 3,036 |
| Credit loss provision to net charge-offs | -35,600.0000% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1163% | 4,774 |
| Assets per employee ($millions) | 12.3652% | 316 |
| Cash dividends to net income (ytd only)* | 19.5911% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,841 |
| Loan loss allowance to noncurrent loans | 10,529.7872% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 2,638 |
| Noncurrent loans to loans | 0.0095% | 4,268 |
| Net loans and leases to total assets | 79.4054% | 373 |
| Net loans and leases to deposits | 100.7873% | 264 |
| Net loans and leases to core deposits | 112.1085% | 356 |
| Total domestic deposits to total assets | 78.7851% | 4,355 |
| Equity capital to assets | 11.9020% | 1,335 |
| Core capital (leverage) ratio | 11.6990% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1432% | 2,230 |
| Memoranda: | ||
| Average total assets | $602,750,000 | 1,445 |
| Average earning assets | $561,839,500 | 1,444 |
| Average equity | $72,925,500 | 1,310 |
| Average total loans | $480,050,500 | 1,220 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 1,127 |
| Cost of funding earning assets | 1.0660% | 462 |
| Net interest margin | 3.5169% | 2,422 |
| Noninterest income to average assets | 0.1066% | 4,725 |
| Noninterest expense to average assets | 1.5023% | 4,779 |
| Loan and lease loss provision to assets | 0.2272% | 1,717 |
| Net operating income to assets | 1.3157% | 1,205 |
| Return on assets (ROA) | 1.3913% | 1,130 |
| Pretax return on assets | 1.7435% | 779 |
| Return on Equity (ROE) | 11.1023% | 1,594 |
| Retained earnings to average equity (ytd only) | 10.6073% | 480 |
| Net charge-offs to loans | 0.0589% | 1,935 |
| Credit loss provision to net charge-offs | 488.2353% | 1,272 |
| Earnings coverage of net charge-offs (x) | 40.3216% | 1,386 |
| Efficiency ratio | 43.2622% | 4,808 |
| Assets per employee ($millions) | 11.7448% | 339 |
| Cash dividends to net income (ytd only)* | 4.4590% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9892% | 3,913 |
| Loan loss allowance to noncurrent loans | 20,872.7273% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 2,688 |
| Noncurrent loans to loans | 0.0047% | 4,381 |
| Net loans and leases to total assets | 78.2692% | 583 |
| Net loans and leases to deposits | 100.0671% | 374 |
| Net loans and leases to core deposits | 112.5786% | 439 |
| Total domestic deposits to total assets | 78.2168% | 4,295 |
| Equity capital to assets | 12.3060% | 1,414 |
| Core capital (leverage) ratio | 11.6455% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5745% | 2,025 |
| Memoranda: | ||
| Average total assets | $548,037,000 | 1,434 |
| Average earning assets | $509,853,600 | 1,432 |
| Average equity | $68,679,400 | 1,309 |
| Average total loans | $433,284,200 | 1,266 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 1,243 |
| Cost of funding earning assets | 1.1110% | 515 |
| Net interest margin | 3.5127% | 2,553 |
| Noninterest income to average assets | 0.0919% | 4,784 |
| Noninterest expense to average assets | 1.4970% | 4,804 |
| Loan and lease loss provision to assets | 0.2677% | 1,520 |
| Net operating income to assets | 1.2694% | 1,425 |
| Return on assets (ROA) | 1.3701% | 1,275 |
| Pretax return on assets | 1.7174% | 934 |
| Return on Equity (ROE) | 10.8796% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.8796% | 600 |
| Net charge-offs to loans | 0.0241% | 2,357 |
| Credit loss provision to net charge-offs | 1,403.8961% | 649 |
| Earnings coverage of net charge-offs (x) | 97.4805% | 807 |
| Efficiency ratio | 43.3390% | 4,820 |
| Assets per employee ($millions) | 11.5332% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,615 |
| Loan loss allowance to noncurrent loans | 20,026.0870% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.3388% | 2,783 |
| Noncurrent loans to loans | 0.0051% | 4,437 |
| Net loans and leases to total assets | 77.5084% | 899 |
| Net loans and leases to deposits | 100.9310% | 501 |
| Net loans and leases to core deposits | 114.5303% | 535 |
| Total domestic deposits to total assets | 76.7934% | 4,350 |
| Equity capital to assets | 12.2242% | 1,564 |
| Core capital (leverage) ratio | 11.6408% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2663% | 1,740 |
| Memoranda: | ||
| Average total assets | $538,236,000 | 1,439 |
| Average earning assets | $500,196,750 | 1,434 |
| Average equity | $67,782,750 | 1,314 |
| Average total loans | $425,550,000 | 1,275 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 1,213 |
| Cost of funding earning assets | 1.1635% | 583 |
| Net interest margin | 3.6197% | 2,418 |
| Noninterest income to average assets | 0.1511% | 4,545 |
| Noninterest expense to average assets | 1.5241% | 4,830 |
| Loan and lease loss provision to assets | 0.2714% | 1,576 |
| Net operating income to assets | 1.3665% | 1,187 |
| Return on assets (ROA) | 1.3665% | 1,280 |
| Pretax return on assets | 1.7140% | 974 |
| Return on Equity (ROE) | 10.7357% | 1,725 |
| Retained earnings to average equity (ytd only) | 10.7357% | 649 |
| Net charge-offs to loans | 0.0158% | 2,424 |
| Credit loss provision to net charge-offs | 2,160.6061% | 454 |
| Earnings coverage of net charge-offs (x) | 158.0606% | 519 |
| Efficiency ratio | 42.1584% | 4,859 |
| Assets per employee ($millions) | 11.7636% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,739 |
| Loan loss allowance to noncurrent loans | 1,920.1794% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 2,605 |
| Noncurrent loans to loans | 0.0502% | 4,283 |
| Net loans and leases to total assets | 77.8409% | 862 |
| Net loans and leases to deposits | 101.8142% | 453 |
| Net loans and leases to core deposits | 117.6235% | 483 |
| Total domestic deposits to total assets | 76.4539% | 4,383 |
| Equity capital to assets | 12.2222% | 1,529 |
| Core capital (leverage) ratio | 11.6503% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2525% | 1,712 |
| Memoranda: | ||
| Average total assets | $525,428,333 | 1,450 |
| Average earning assets | $487,501,667 | 1,440 |
| Average equity | $66,879,667 | 1,318 |
| Average total loans | $416,878,333 | 1,283 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0926% | 808 |
| Cost of funding earning assets | 1.2104% | 749 |
| Net interest margin | 3.8822% | 1,728 |
| Noninterest income to average assets | 0.1621% | 4,562 |
| Noninterest expense to average assets | 1.6638% | 4,810 |
| Loan and lease loss provision to assets | 0.3756% | 823 |
| Net operating income to assets | 1.3681% | 1,060 |
| Return on assets (ROA) | 1.3681% | 1,139 |
| Pretax return on assets | 1.7192% | 830 |
| Return on Equity (ROE) | 10.5146% | 1,567 |
| Retained earnings to average equity (ytd only) | 10.5146% | 639 |
| Net charge-offs to loans | -0.0010% | 3,605 |
| Credit loss provision to net charge-offs | -47,500.0000% | 4,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0044% | 4,911 |
| Assets per employee ($millions) | 10.4368% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,836 |
| Loan loss allowance to noncurrent loans | 1,735.3191% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 2,655 |
| Noncurrent loans to loans | 0.0560% | 4,330 |
| Net loans and leases to total assets | 78.0598% | 975 |
| Net loans and leases to deposits | 103.0882% | 404 |
| Net loans and leases to core deposits | 123.3732% | 379 |
| Total domestic deposits to total assets | 75.7213% | 4,511 |
| Equity capital to assets | 12.5547% | 1,699 |
| Core capital (leverage) ratio | 12.3528% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0716% | 1,880 |
| Memoranda: | ||
| Average total assets | $505,815,500 | 1,453 |
| Average earning assets | $468,605,000 | 1,447 |
| Average equity | $65,813,000 | 1,330 |
| Average total loans | $403,410,500 | 1,290 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2977% | 819 |
| Cost of funding earning assets | 1.2842% | 801 |
| Net interest margin | 4.0135% | 1,813 |
| Noninterest income to average assets | 0.1800% | 4,591 |
| Noninterest expense to average assets | 1.7597% | 4,818 |
| Loan and lease loss provision to assets | 0.1007% | 2,044 |
| Net operating income to assets | 1.5661% | 904 |
| Return on assets (ROA) | 1.5661% | 966 |
| Pretax return on assets | 1.9949% | 608 |
| Return on Equity (ROE) | 12.9881% | 1,169 |
| Retained earnings to average equity (ytd only) | 10.8469% | 354 |
| Net charge-offs to loans | 0.0624% | 2,207 |
| Credit loss provision to net charge-offs | 203.4335% | 1,306 |
| Earnings coverage of net charge-offs (x) | 42.3262% | 1,260 |
| Efficiency ratio | 44.1658% | 4,967 |
| Assets per employee ($millions) | 9.3991% | 429 |
| Cash dividends to net income (ytd only)* | 16.4858% | 3,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 3,843 |
| Loan loss allowance to noncurrent loans | 1,390.7336% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 2,382 |
| Noncurrent loans to loans | 0.0669% | 4,271 |
| Net loans and leases to total assets | 80.0341% | 787 |
| Net loans and leases to deposits | 106.4619% | 284 |
| Net loans and leases to core deposits | 120.8208% | 454 |
| Total domestic deposits to total assets | 75.1763% | 4,685 |
| Equity capital to assets | 13.5182% | 1,271 |
| Core capital (leverage) ratio | 12.6027% | 1,428 |
| Tier 1 risk-based capital ratio | 14.6336% | 2,940 |
| Total risk-based capital ratio | 15.5141% | 3,055 |
| Memoranda: | ||
| Average total assets | $470,595,400 | 1,493 |
| Average earning assets | $430,943,000 | 1,499 |
| Average equity | $56,744,200 | 1,430 |
| Average total loans | $373,549,200 | 1,346 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3429% | 789 |
| Cost of funding earning assets | 1.2864% | 817 |
| Net interest margin | 4.0564% | 1,742 |
| Noninterest income to average assets | 0.1845% | 4,618 |
| Noninterest expense to average assets | 1.7864% | 4,835 |
| Loan and lease loss provision to assets | 0.0806% | 2,298 |
| Net operating income to assets | 1.5821% | 974 |
| Return on assets (ROA) | 1.5821% | 1,026 |
| Pretax return on assets | 2.0253% | 655 |
| Return on Equity (ROE) | 13.5400% | 1,103 |
| Retained earnings to average equity (ytd only) | 11.3597% | 465 |
| Net charge-offs to loans | 0.0177% | 2,782 |
| Credit loss provision to net charge-offs | 577.5510% | 561 |
| Earnings coverage of net charge-offs (x) | 150.9835% | 536 |
| Efficiency ratio | 44.0910% | 5,007 |
| Assets per employee ($millions) | 9.6582% | 388 |
| Cash dividends to net income (ytd only)* | 16.1029% | 3,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 3,868 |
| Loan loss allowance to noncurrent loans | 2,496.5278% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 2,598 |
| Noncurrent loans to loans | 0.0377% | 4,489 |
| Net loans and leases to total assets | 78.3799% | 1,082 |
| Net loans and leases to deposits | 101.0336% | 557 |
| Net loans and leases to core deposits | 117.2144% | 620 |
| Total domestic deposits to total assets | 77.5781% | 4,427 |
| Equity capital to assets | 11.8739% | 2,353 |
| Core capital (leverage) ratio | 10.7798% | 2,859 |
| Tier 1 risk-based capital ratio | 12.8368% | 3,934 |
| Total risk-based capital ratio | 13.7367% | 4,032 |
| Memoranda: | ||
| Average total assets | $468,406,000 | 1,508 |
| Average earning assets | $428,148,500 | 1,525 |
| Average equity | $54,730,250 | 1,479 |
| Average total loans | $370,124,500 | 1,370 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3432% | 743 |
| Cost of funding earning assets | 1.2730% | 812 |
| Net interest margin | 4.0702% | 1,702 |
| Noninterest income to average assets | 0.1929% | 4,599 |
| Noninterest expense to average assets | 1.8189% | 4,857 |
| Loan and lease loss provision to assets | 0.0962% | 1,932 |
| Net operating income to assets | 1.5527% | 1,008 |
| Return on assets (ROA) | 1.5527% | 1,048 |
| Pretax return on assets | 1.9842% | 696 |
| Return on Equity (ROE) | 13.3642% | 1,133 |
| Retained earnings to average equity (ytd only) | 10.0408% | 742 |
| Net charge-offs to loans | 0.0197% | 2,472 |
| Credit loss provision to net charge-offs | 619.4444% | 513 |
| Earnings coverage of net charge-offs (x) | 133.9444% | 548 |
| Efficiency ratio | 44.7887% | 5,037 |
| Assets per employee ($millions) | 9.4486% | 401 |
| Cash dividends to net income (ytd only)* | 24.8680% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 3,940 |
| Loan loss allowance to noncurrent loans | 3,411.5385% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 2,610 |
| Noncurrent loans to loans | 0.0274% | 4,584 |
| Net loans and leases to total assets | 79.5364% | 957 |
| Net loans and leases to deposits | 102.7175% | 493 |
| Net loans and leases to core deposits | 119.7566% | 557 |
| Total domestic deposits to total assets | 77.4322% | 4,500 |
| Equity capital to assets | 11.7232% | 2,414 |
| Core capital (leverage) ratio | 10.4977% | 3,091 |
| Tier 1 risk-based capital ratio | 12.5877% | 4,083 |
| Total risk-based capital ratio | 13.4952% | 4,140 |
| Memoranda: | ||
| Average total assets | $463,572,000 | 1,524 |
| Average earning assets | $422,140,670 | 1,547 |
| Average equity | $53,860,330 | 1,491 |
| Average total loans | $366,133,330 | 1,383 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2740% | 792 |
| Cost of funding earning assets | 1.2486% | 771 |
| Net interest margin | 4.0253% | 1,779 |
| Noninterest income to average assets | 0.2091% | 4,496 |
| Noninterest expense to average assets | 1.8251% | 4,895 |
| Loan and lease loss provision to assets | 0.1281% | 1,363 |
| Net operating income to assets | 1.4915% | 1,131 |
| Return on assets (ROA) | 1.4915% | 1,158 |
| Pretax return on assets | 1.9070% | 784 |
| Return on Equity (ROE) | 12.8968% | 1,254 |
| Retained earnings to average equity (ytd only) | 10.1472% | 1,000 |
| Net charge-offs to loans | 0.0145% | 2,191 |
| Credit loss provision to net charge-offs | 1,130.7692% | 335 |
| Earnings coverage of net charge-offs (x) | 179.6923% | 427 |
| Efficiency ratio | 45.3622% | 5,051 |
| Assets per employee ($millions) | 9.5090% | 399 |
| Cash dividends to net income (ytd only)* | 21.3201% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,928 |
| Loan loss allowance to noncurrent loans | 9,985.7143% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 2,714 |
| Noncurrent loans to loans | 0.0096% | 4,743 |
| Net loans and leases to total assets | 77.3486% | 1,266 |
| Net loans and leases to deposits | 100.0733% | 630 |
| Net loans and leases to core deposits | 119.4134% | 543 |
| Total domestic deposits to total assets | 77.2919% | 4,622 |
| Equity capital to assets | 11.5493% | 2,355 |
| Core capital (leverage) ratio | 10.4710% | 3,079 |
| Tier 1 risk-based capital ratio | 12.3976% | 4,230 |
| Total risk-based capital ratio | 13.3052% | 4,323 |
| Memoranda: | ||
| Average total assets | $459,143,500 | 1,548 |
| Average earning assets | $416,461,000 | 1,569 |
| Average equity | $53,098,500 | 1,499 |
| Average total loans | $359,549,500 | 1,404 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2375% | 654 |
| Cost of funding earning assets | 1.0052% | 734 |
| Net interest margin | 4.2323% | 1,319 |
| Noninterest income to average assets | 0.1865% | 4,796 |
| Noninterest expense to average assets | 2.0464% | 4,665 |
| Loan and lease loss provision to assets | 0.0793% | 2,541 |
| Net operating income to assets | 1.4970% | 1,129 |
| Return on assets (ROA) | 1.4970% | 1,113 |
| Pretax return on assets | 1.9427% | 643 |
| Return on Equity (ROE) | 12.3370% | 1,602 |
| Retained earnings to average equity (ytd only) | 10.9346% | 453 |
| Net charge-offs to loans | 0.0065% | 3,460 |
| Credit loss provision to net charge-offs | 1,550.0000% | 269 |
| Earnings coverage of net charge-offs (x) | 395.1000% | 256 |
| Efficiency ratio | 48.8458% | 5,006 |
| Assets per employee ($millions) | 9.2316% | 429 |
| Cash dividends to net income (ytd only)* | 11.3675% | 3,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 3,971 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 2,645 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.7821% | 1,305 |
| Net loans and leases to deposits | 100.7875% | 685 |
| Net loans and leases to core deposits | 120.0635% | 544 |
| Total domestic deposits to total assets | 77.1744% | 4,607 |
| Equity capital to assets | 11.5805% | 2,192 |
| Core capital (leverage) ratio | 10.4507% | 3,083 |
| Tier 1 risk-based capital ratio | 12.2041% | 4,292 |
| Total risk-based capital ratio | 13.0947% | 4,415 |
| Memoranda: | ||
| Average total assets | $390,792,000 | 1,758 |
| Average earning assets | $358,434,200 | 1,775 |
| Average equity | $47,418,200 | 1,582 |
| Average total loans | $307,055,600 | 1,569 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 633 |
| Cost of funding earning assets | 0.9548% | 733 |
| Net interest margin | 4.2418% | 1,254 |
| Noninterest income to average assets | 0.1786% | 4,891 |
| Noninterest expense to average assets | 2.1040% | 4,544 |
| Loan and lease loss provision to assets | 0.0717% | 2,526 |
| Net operating income to assets | 1.4654% | 1,289 |
| Return on assets (ROA) | 1.4654% | 1,294 |
| Pretax return on assets | 1.9097% | 805 |
| Return on Equity (ROE) | 11.9134% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.9749% | 652 |
| Net charge-offs to loans | 0.0095% | 3,080 |
| Credit loss provision to net charge-offs | 961.9048% | 430 |
| Earnings coverage of net charge-offs (x) | 265.6600% | 350 |
| Efficiency ratio | 49.8913% | 4,950 |
| Assets per employee ($millions) | 9.1829% | 421 |
| Cash dividends to net income (ytd only)* | 7.8768% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 4,067 |
| Loan loss allowance to noncurrent loans | 20,325.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,711 |
| Noncurrent loans to loans | 0.0046% | 4,922 |
| Net loans and leases to total assets | 77.3919% | 1,434 |
| Net loans and leases to deposits | 96.7701% | 1,068 |
| Net loans and leases to core deposits | 116.0165% | 714 |
| Total domestic deposits to total assets | 79.9750% | 4,130 |
| Equity capital to assets | 11.5216% | 2,247 |
| Core capital (leverage) ratio | 10.5777% | 2,996 |
| Tier 1 risk-based capital ratio | 12.2891% | 4,327 |
| Total risk-based capital ratio | 13.1847% | 4,416 |
| Memoranda: | ||
| Average total assets | $375,403,250 | 1,819 |
| Average earning assets | $345,758,750 | 1,831 |
| Average equity | $46,176,750 | 1,623 |
| Average total loans | $295,018,000 | 1,621 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 636 |
| Cost of funding earning assets | 0.9114% | 699 |
| Net interest margin | 4.2108% | 1,262 |
| Noninterest income to average assets | 0.1606% | 5,021 |
| Noninterest expense to average assets | 2.1922% | 4,388 |
| Loan and lease loss provision to assets | 0.0458% | 2,988 |
| Net operating income to assets | 1.3964% | 1,456 |
| Return on assets (ROA) | 1.3964% | 1,456 |
| Pretax return on assets | 1.8212% | 915 |
| Return on Equity (ROE) | 11.0617% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.6056% | 1,038 |
| Net charge-offs to loans | 0.0129% | 2,704 |
| Credit loss provision to net charge-offs | 450.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 183.3889% | 446 |
| Efficiency ratio | 52.6961% | 4,814 |
| Assets per employee ($millions) | 8.5752% | 510 |
| Cash dividends to net income (ytd only)* | 13.1632% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 4,018 |
| Loan loss allowance to noncurrent loans | 5,137.7049% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 2,634 |
| Noncurrent loans to loans | 0.0189% | 4,856 |
| Net loans and leases to total assets | 76.2468% | 1,595 |
| Net loans and leases to deposits | 93.8531% | 1,371 |
| Net loans and leases to core deposits | 109.3579% | 1,040 |
| Total domestic deposits to total assets | 81.2406% | 3,933 |
| Equity capital to assets | 11.7004% | 2,062 |
| Core capital (leverage) ratio | 10.6124% | 2,912 |
| Tier 1 risk-based capital ratio | 12.4239% | 4,233 |
| Total risk-based capital ratio | 13.3320% | 4,323 |
| Memoranda: | ||
| Average total assets | $353,611,000 | 1,919 |
| Average earning assets | $327,399,330 | 1,918 |
| Average equity | $44,640,670 | 1,686 |
| Average total loans | $278,564,000 | 1,699 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 1,224 |
| Cost of funding earning assets | 0.9211% | 536 |
| Net interest margin | 3.8139% | 2,363 |
| Noninterest income to average assets | 0.1136% | 5,278 |
| Noninterest expense to average assets | 2.0704% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2312% | 1,889 |
| Return on assets (ROA) | 1.2312% | 1,895 |
| Pretax return on assets | 1.6109% | 1,362 |
| Return on Equity (ROE) | 9.3064% | 2,765 |
| Retained earnings to average equity (ytd only) | 9.3064% | 1,363 |
| Net charge-offs to loans | 0.0375% | 1,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 53.7500% | 910 |
| Efficiency ratio | 56.2415% | 4,551 |
| Assets per employee ($millions) | 9.0974% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 2,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 3,679 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 79.4072% | 1,019 |
| Net loans and leases to deposits | 98.9430% | 787 |
| Net loans and leases to core deposits | 140.7124% | 206 |
| Total domestic deposits to total assets | 80.2555% | 4,377 |
| Equity capital to assets | 13.6127% | 1,012 |
| Core capital (leverage) ratio | 13.5617% | 993 |
| Tier 1 risk-based capital ratio | 16.4133% | 2,315 |
| Total risk-based capital ratio | 17.5668% | 2,297 |
| Memoranda: | ||
| Average total assets | $320,325,000 | 2,074 |
| Average earning assets | $299,637,500 | 2,061 |
| Average equity | $42,379,500 | 1,779 |
| Average total loans | $256,091,000 | 1,823 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 1,180 |
| Cost of funding earning assets | 0.8977% | 374 |
| Net interest margin | 3.8092% | 2,389 |
| Noninterest income to average assets | 0.1169% | 5,350 |
| Noninterest expense to average assets | 1.9656% | 5,019 |
| Loan and lease loss provision to assets | 0.0725% | 2,762 |
| Net operating income to assets | 0.8859% | 2,789 |
| Return on assets (ROA) | 0.8859% | 2,812 |
| Pretax return on assets | 1.6694% | 1,098 |
| Return on Equity (ROE) | 8.2830% | 2,655 |
| Retained earnings to average equity (ytd only) | 5.8791% | 1,608 |
| Net charge-offs to loans | 0.0456% | 2,871 |
| Credit loss provision to net charge-offs | 197.2477% | 1,386 |
| Earnings coverage of net charge-offs (x) | 47.4220% | 1,129 |
| Efficiency ratio | 53.0176% | 5,035 |
| Assets per employee ($millions) | 9.2069% | 419 |
| Cash dividends to net income (ytd only)* | 29.0224% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,794 |
| Loan loss allowance to noncurrent loans | 1,133.2103% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.3798% | 3,347 |
| Noncurrent loans to loans | 0.1057% | 4,512 |
| Net loans and leases to total assets | 78.5822% | 1,204 |
| Net loans and leases to deposits | 98.1770% | 889 |
| Net loans and leases to core deposits | 140.2846% | 209 |
| Total domestic deposits to total assets | 80.0414% | 4,328 |
| Equity capital to assets | 12.8521% | 1,340 |
| Core capital (leverage) ratio | 13.3850% | 1,012 |
| Tier 1 risk-based capital ratio | 15.9467% | 2,452 |
| Total risk-based capital ratio | 17.1289% | 2,423 |
| Memoranda: | ||
| Average total assets | $296,755,200 | 2,182 |
| Average earning assets | $279,718,000 | 2,153 |
| Average equity | $31,739,600 | 2,236 |
| Average total loans | $238,915,400 | 1,880 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 1,110 |
| Cost of funding earning assets | 0.8992% | 345 |
| Net interest margin | 3.8136% | 2,347 |
| Noninterest income to average assets | 0.1584% | 5,225 |
| Noninterest expense to average assets | 1.9578% | 5,032 |
| Loan and lease loss provision to assets | 0.0790% | 2,505 |
| Net operating income to assets | 1.0877% | 2,141 |
| Return on assets (ROA) | 1.0877% | 2,202 |
| Pretax return on assets | 1.7103% | 1,096 |
| Return on Equity (ROE) | 10.7725% | 1,789 |
| Retained earnings to average equity (ytd only) | 8.3943% | 1,058 |
| Net charge-offs to loans | 0.0585% | 2,287 |
| Credit loss provision to net charge-offs | 166.9903% | 1,551 |
| Earnings coverage of net charge-offs (x) | 37.8349% | 1,358 |
| Efficiency ratio | 52.2485% | 5,077 |
| Assets per employee ($millions) | 8.4380% | 529 |
| Cash dividends to net income (ytd only)* | 22.0769% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,757 |
| Loan loss allowance to noncurrent loans | 1,007.9734% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 3,241 |
| Noncurrent loans to loans | 0.1218% | 4,572 |
| Net loans and leases to total assets | 80.3759% | 928 |
| Net loans and leases to deposits | 97.4990% | 966 |
| Net loans and leases to core deposits | 142.6117% | 178 |
| Total domestic deposits to total assets | 82.4376% | 3,648 |
| Equity capital to assets | 9.9760% | 3,934 |
| Core capital (leverage) ratio | 9.9794% | 3,591 |
| Tier 1 risk-based capital ratio | 12.1089% | 4,542 |
| Total risk-based capital ratio | 13.3210% | 4,453 |
| Memoranda: | ||
| Average total assets | $290,383,500 | 2,230 |
| Average earning assets | $273,264,000 | 2,207 |
| Average equity | $29,320,750 | 2,422 |
| Average total loans | $234,570,250 | 1,917 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6537% | 1,151 |
| Cost of funding earning assets | 0.8762% | 355 |
| Net interest margin | 3.7775% | 2,371 |
| Noninterest income to average assets | 0.1553% | 5,281 |
| Noninterest expense to average assets | 1.9229% | 5,146 |
| Loan and lease loss provision to assets | 0.0909% | 2,163 |
| Net operating income to assets | 1.0905% | 2,023 |
| Return on assets (ROA) | 1.0905% | 2,080 |
| Pretax return on assets | 1.6970% | 1,064 |
| Return on Equity (ROE) | 10.7543% | 1,731 |
| Retained earnings to average equity (ytd only) | 8.3951% | 1,037 |
| Net charge-offs to loans | 0.0825% | 1,788 |
| Credit loss provision to net charge-offs | 136.8421% | 1,620 |
| Earnings coverage of net charge-offs (x) | 26.9053% | 1,558 |
| Efficiency ratio | 51.8190% | 5,194 |
| Assets per employee ($millions) | 8.5481% | 499 |
| Cash dividends to net income (ytd only)* | 21.9371% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,711 |
| Loan loss allowance to noncurrent loans | 675.6757% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 3,087 |
| Noncurrent loans to loans | 0.1845% | 4,377 |
| Net loans and leases to total assets | 79.4395% | 1,032 |
| Net loans and leases to deposits | 97.2993% | 959 |
| Net loans and leases to core deposits | 143.0667% | 168 |
| Total domestic deposits to total assets | 81.6445% | 3,999 |
| Equity capital to assets | 9.9093% | 4,020 |
| Core capital (leverage) ratio | 10.1238% | 3,369 |
| Tier 1 risk-based capital ratio | 12.1007% | 4,569 |
| Total risk-based capital ratio | 13.3249% | 4,457 |
| Memoranda: | ||
| Average total assets | $285,921,670 | 2,274 |
| Average earning assets | $269,120,000 | 2,243 |
| Average equity | $28,993,000 | 2,438 |
| Average total loans | $230,363,330 | 1,940 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 1,201 |
| Cost of funding earning assets | 0.8680% | 338 |
| Net interest margin | 3.7063% | 2,467 |
| Noninterest income to average assets | 0.1590% | 5,325 |
| Noninterest expense to average assets | 1.9607% | 5,129 |
| Loan and lease loss provision to assets | 0.0917% | 2,011 |
| Net operating income to assets | 1.0183% | 2,232 |
| Return on assets (ROA) | 1.0183% | 2,284 |
| Pretax return on assets | 1.5926% | 1,257 |
| Return on Equity (ROE) | 9.9212% | 1,993 |
| Retained earnings to average equity (ytd only) | 7.5630% | 1,623 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7917% | 5,150 |
| Assets per employee ($millions) | 8.0856% | 598 |
| Cash dividends to net income (ytd only)* | 23.7693% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 2,461 |
| Loan loss allowance to noncurrent loans | 336.9299% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 2,560 |
| Noncurrent loans to loans | 0.3904% | 3,705 |
| Net loans and leases to total assets | 80.2929% | 802 |
| Net loans and leases to deposits | 94.7237% | 1,042 |
| Net loans and leases to core deposits | 136.6964% | 197 |
| Total domestic deposits to total assets | 84.7655% | 3,182 |
| Equity capital to assets | 10.2260% | 3,487 |
| Core capital (leverage) ratio | 10.4401% | 2,969 |
| Tier 1 risk-based capital ratio | 12.4516% | 4,414 |
| Total risk-based capital ratio | 13.7022% | 4,319 |
| Memoranda: | ||
| Average total assets | $279,290,000 | 2,333 |
| Average earning assets | $262,685,000 | 2,299 |
| Average equity | $28,666,000 | 2,468 |
| Average total loans | $225,209,500 | 1,984 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 1,283 |
| Cost of funding earning assets | 0.9047% | 288 |
| Net interest margin | 3.6937% | 2,719 |
| Noninterest income to average assets | 0.1852% | 5,287 |
| Noninterest expense to average assets | 2.1294% | 4,942 |
| Loan and lease loss provision to assets | 0.0739% | 2,873 |
| Net operating income to assets | 0.9497% | 2,588 |
| Return on assets (ROA) | 0.9497% | 2,693 |
| Pretax return on assets | 1.4589% | 1,720 |
| Return on Equity (ROE) | 8.9723% | 2,436 |
| Retained earnings to average equity (ytd only) | 6.6962% | 1,357 |
| Net charge-offs to loans | 0.0165% | 3,745 |
| Credit loss provision to net charge-offs | 557.1429% | 606 |
| Earnings coverage of net charge-offs (x) | 115.6000% | 526 |
| Efficiency ratio | 58.1463% | 4,830 |
| Assets per employee ($millions) | 7.8739% | 641 |
| Cash dividends to net income (ytd only)* | 25.3690% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 2,318 |
| Loan loss allowance to noncurrent loans | 328.3499% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7119% | 2,595 |
| Noncurrent loans to loans | 0.4101% | 3,676 |
| Net loans and leases to total assets | 78.8142% | 1,072 |
| Net loans and leases to deposits | 91.6746% | 1,492 |
| Net loans and leases to core deposits | 135.7797% | 218 |
| Total domestic deposits to total assets | 85.9717% | 2,596 |
| Equity capital to assets | 10.3028% | 3,383 |
| Core capital (leverage) ratio | 10.4717% | 2,906 |
| Tier 1 risk-based capital ratio | 12.6618% | 4,285 |
| Total risk-based capital ratio | 13.9125% | 4,173 |
| Memoranda: | ||
| Average total assets | $263,972,400 | 2,400 |
| Average earning assets | $248,476,400 | 2,370 |
| Average equity | $27,941,400 | 2,514 |
| Average total loans | $212,655,600 | 2,025 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5902% | 1,311 |
| Cost of funding earning assets | 0.9104% | 274 |
| Net interest margin | 3.6798% | 2,791 |
| Noninterest income to average assets | 0.1966% | 5,287 |
| Noninterest expense to average assets | 2.2006% | 4,768 |
| Loan and lease loss provision to assets | 0.0638% | 2,958 |
| Net operating income to assets | 0.9085% | 2,857 |
| Return on assets (ROA) | 0.9085% | 2,997 |
| Pretax return on assets | 1.3958% | 2,050 |
| Return on Equity (ROE) | 8.5234% | 2,751 |
| Retained earnings to average equity (ytd only) | 6.2428% | 2,040 |
| Net charge-offs to loans | 0.0272% | 3,120 |
| Credit loss provision to net charge-offs | 290.6977% | 1,063 |
| Earnings coverage of net charge-offs (x) | 66.4673% | 891 |
| Efficiency ratio | 60.1228% | 4,522 |
| Assets per employee ($millions) | 7.6596% | 682 |
| Cash dividends to net income (ytd only)* | 26.7566% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 2,547 |
| Loan loss allowance to noncurrent loans | 297.3223% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 2,658 |
| Noncurrent loans to loans | 0.4458% | 3,682 |
| Net loans and leases to total assets | 80.1765% | 867 |
| Net loans and leases to deposits | 93.7375% | 1,283 |
| Net loans and leases to core deposits | 136.0324% | 228 |
| Total domestic deposits to total assets | 85.5330% | 2,591 |
| Equity capital to assets | 10.3799% | 3,707 |
| Core capital (leverage) ratio | 10.5636% | 2,917 |
| Tier 1 risk-based capital ratio | 12.5789% | 4,429 |
| Total risk-based capital ratio | 13.8293% | 4,332 |
| Memoranda: | ||
| Average total assets | $261,069,250 | 2,442 |
| Average earning assets | $245,735,000 | 2,403 |
| Average equity | $27,828,500 | 2,540 |
| Average total loans | $210,778,250 | 2,046 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5578% | 1,365 |
| Cost of funding earning assets | 0.9130% | 273 |
| Net interest margin | 3.6448% | 2,916 |
| Noninterest income to average assets | 0.1507% | 5,549 |
| Noninterest expense to average assets | 2.1915% | 4,863 |
| Loan and lease loss provision to assets | 0.0959% | 2,240 |
| Net operating income to assets | 0.8403% | 3,130 |
| Return on assets (ROA) | 0.8403% | 3,266 |
| Pretax return on assets | 1.2948% | 2,429 |
| Return on Equity (ROE) | 7.8120% | 3,080 |
| Retained earnings to average equity (ytd only) | 5.5194% | 2,410 |
| Net charge-offs to loans | 0.0240% | 3,007 |
| Credit loss provision to net charge-offs | 496.0000% | 663 |
| Earnings coverage of net charge-offs (x) | 71.9600% | 758 |
| Efficiency ratio | 61.1782% | 4,483 |
| Assets per employee ($millions) | 7.5235% | 691 |
| Cash dividends to net income (ytd only)* | 29.3468% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,498 |
| Loan loss allowance to noncurrent loans | 274.4802% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 2,417 |
| Noncurrent loans to loans | 0.4947% | 3,595 |
| Net loans and leases to total assets | 80.1228% | 879 |
| Net loans and leases to deposits | 92.7605% | 1,422 |
| Net loans and leases to core deposits | 135.0399% | 235 |
| Total domestic deposits to total assets | 86.3760% | 2,226 |
| Equity capital to assets | 10.3637% | 3,774 |
| Core capital (leverage) ratio | 10.2200% | 3,310 |
| Tier 1 risk-based capital ratio | 12.7315% | 4,364 |
| Total risk-based capital ratio | 13.9823% | 4,265 |
| Memoranda: | ||
| Average total assets | $258,730,330 | 2,463 |
| Average earning assets | $243,581,670 | 2,432 |
| Average equity | $27,829,000 | 2,546 |
| Average total loans | $208,428,000 | 2,070 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5863% | 1,299 |
| Cost of funding earning assets | 0.9053% | 284 |
| Net interest margin | 3.6810% | 2,754 |
| Noninterest income to average assets | 0.1451% | 5,618 |
| Noninterest expense to average assets | 2.2368% | 4,814 |
| Loan and lease loss provision to assets | 0.0281% | 3,293 |
| Net operating income to assets | 0.8610% | 2,943 |
| Return on assets (ROA) | 0.8610% | 3,056 |
| Pretax return on assets | 1.3368% | 2,151 |
| Return on Equity (ROE) | 7.8581% | 3,000 |
| Retained earnings to average equity (ytd only) | 5.4807% | 2,667 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1048% | 4,429 |
| Assets per employee ($millions) | 7.1694% | 825 |
| Cash dividends to net income (ytd only)* | 30.2536% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 2,565 |
| Loan loss allowance to noncurrent loans | 358.2487% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 2,739 |
| Noncurrent loans to loans | 0.3823% | 4,071 |
| Net loans and leases to total assets | 78.7690% | 979 |
| Net loans and leases to deposits | 91.4930% | 1,406 |
| Net loans and leases to core deposits | 132.6682% | 235 |
| Total domestic deposits to total assets | 86.0929% | 2,636 |
| Equity capital to assets | 10.3553% | 3,678 |
| Core capital (leverage) ratio | 10.4977% | 2,965 |
| Tier 1 risk-based capital ratio | 12.9209% | 4,313 |
| Total risk-based capital ratio | 14.1719% | 4,226 |
| Memoranda: | ||
| Average total assets | $256,434,500 | 2,487 |
| Average earning assets | $240,806,500 | 2,459 |
| Average equity | $28,098,500 | 2,522 |
| Average total loans | $205,699,500 | 2,092 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 1,235 |
| Cost of funding earning assets | 0.9247% | 254 |
| Net interest margin | 3.7173% | 2,687 |
| Noninterest income to average assets | 0.1811% | 5,504 |
| Noninterest expense to average assets | 2.0803% | 5,288 |
| Loan and lease loss provision to assets | 0.0885% | 2,527 |
| Net operating income to assets | 0.9674% | 2,537 |
| Return on assets (ROA) | 0.9674% | 2,615 |
| Pretax return on assets | 1.4975% | 1,562 |
| Return on Equity (ROE) | 8.1950% | 2,847 |
| Retained earnings to average equity (ytd only) | 6.2598% | 1,670 |
| Net charge-offs to loans | 0.0349% | 3,513 |
| Credit loss provision to net charge-offs | 313.2353% | 949 |
| Earnings coverage of net charge-offs (x) | 56.1471% | 921 |
| Efficiency ratio | 56.7414% | 5,277 |
| Assets per employee ($millions) | 7.2791% | 790 |
| Cash dividends to net income (ytd only)* | 23.6153% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,578 |
| Loan loss allowance to noncurrent loans | 427.5915% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 2,830 |
| Noncurrent loans to loans | 0.3196% | 4,313 |
| Net loans and leases to total assets | 79.4713% | 923 |
| Net loans and leases to deposits | 93.2379% | 1,285 |
| Net loans and leases to core deposits | 136.7341% | 202 |
| Total domestic deposits to total assets | 85.2349% | 2,982 |
| Equity capital to assets | 11.5673% | 2,306 |
| Core capital (leverage) ratio | 11.8121% | 1,751 |
| Tier 1 risk-based capital ratio | 14.5086% | 3,443 |
| Total risk-based capital ratio | 15.7600% | 3,348 |
| Memoranda: | ||
| Average total assets | $240,739,400 | 2,574 |
| Average earning assets | $225,701,800 | 2,542 |
| Average equity | $28,419,600 | 2,427 |
| Average total loans | $194,992,400 | 2,123 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 1,223 |
| Cost of funding earning assets | 0.9372% | 240 |
| Net interest margin | 3.7064% | 2,741 |
| Noninterest income to average assets | 0.2068% | 5,409 |
| Noninterest expense to average assets | 2.0699% | 5,344 |
| Loan and lease loss provision to assets | 0.0832% | 2,508 |
| Net operating income to assets | 0.9835% | 2,554 |
| Return on assets (ROA) | 0.9835% | 2,638 |
| Pretax return on assets | 1.5253% | 1,611 |
| Return on Equity (ROE) | 8.2867% | 2,928 |
| Retained earnings to average equity (ytd only) | 6.3642% | 2,036 |
| Net charge-offs to loans | 0.0423% | 3,037 |
| Credit loss provision to net charge-offs | 242.6230% | 1,164 |
| Earnings coverage of net charge-offs (x) | 46.9187% | 1,106 |
| Efficiency ratio | 56.2720% | 5,316 |
| Assets per employee ($millions) | 7.1745% | 806 |
| Cash dividends to net income (ytd only)* | 23.2000% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 2,733 |
| Loan loss allowance to noncurrent loans | 433.2808% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 2,574 |
| Noncurrent loans to loans | 0.3163% | 4,462 |
| Net loans and leases to total assets | 81.0334% | 697 |
| Net loans and leases to deposits | 97.0764% | 902 |
| Net loans and leases to core deposits | 135.9936% | 203 |
| Total domestic deposits to total assets | 83.4738% | 3,619 |
| Equity capital to assets | 11.8536% | 2,213 |
| Core capital (leverage) ratio | 12.1186% | 1,608 |
| Tier 1 risk-based capital ratio | 14.4613% | 3,598 |
| Total risk-based capital ratio | 15.7127% | 3,507 |
| Memoranda: | ||
| Average total assets | $237,231,750 | 2,611 |
| Average earning assets | $222,206,000 | 2,589 |
| Average equity | $28,157,000 | 2,461 |
| Average total loans | $192,422,000 | 2,155 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 1,236 |
| Cost of funding earning assets | 0.9655% | 205 |
| Net interest margin | 3.6528% | 2,900 |
| Noninterest income to average assets | 0.1702% | 5,683 |
| Noninterest expense to average assets | 2.0953% | 5,350 |
| Loan and lease loss provision to assets | 0.0477% | 3,166 |
| Net operating income to assets | 0.9472% | 2,651 |
| Return on assets (ROA) | 0.9472% | 2,766 |
| Pretax return on assets | 1.4468% | 1,812 |
| Return on Equity (ROE) | 7.9773% | 3,069 |
| Retained earnings to average equity (ytd only) | 6.0707% | 2,196 |
| Net charge-offs to loans | 0.0601% | 2,528 |
| Credit loss provision to net charge-offs | 98.2456% | 2,096 |
| Earnings coverage of net charge-offs (x) | 30.8070% | 1,342 |
| Efficiency ratio | 58.3689% | 5,178 |
| Assets per employee ($millions) | 7.3778% | 709 |
| Cash dividends to net income (ytd only)* | 23.8994% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 2,886 |
| Loan loss allowance to noncurrent loans | 412.2481% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 2,460 |
| Noncurrent loans to loans | 0.3328% | 4,493 |
| Net loans and leases to total assets | 80.9531% | 676 |
| Net loans and leases to deposits | 96.1166% | 955 |
| Net loans and leases to core deposits | 137.0440% | 190 |
| Total domestic deposits to total assets | 84.2239% | 3,478 |
| Equity capital to assets | 12.0229% | 2,008 |
| Core capital (leverage) ratio | 12.0094% | 1,656 |
| Tier 1 risk-based capital ratio | 14.9092% | 3,408 |
| Total risk-based capital ratio | 16.1609% | 3,340 |
| Memoranda: | ||
| Average total assets | $234,997,670 | 2,658 |
| Average earning assets | $219,996,670 | 2,623 |
| Average equity | $27,904,330 | 2,490 |
| Average total loans | $189,757,670 | 2,184 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 1,193 |
| Cost of funding earning assets | 1.0284% | 154 |
| Net interest margin | 3.5812% | 3,076 |
| Noninterest income to average assets | 0.1621% | 5,765 |
| Noninterest expense to average assets | 2.1190% | 5,338 |
| Loan and lease loss provision to assets | 0.0017% | 3,692 |
| Net operating income to assets | 0.9111% | 2,694 |
| Return on assets (ROA) | 0.9111% | 2,818 |
| Pretax return on assets | 1.3922% | 1,914 |
| Return on Equity (ROE) | 7.7212% | 3,110 |
| Retained earnings to average equity (ytd only) | 5.8271% | 2,594 |
| Net charge-offs to loans | -0.0021% | 4,357 |
| Credit loss provision to net charge-offs | -100.0000% | 4,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3205% | 5,051 |
| Assets per employee ($millions) | 7.2471% | 759 |
| Cash dividends to net income (ytd only)* | 24.5318% | 2,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 2,854 |
| Loan loss allowance to noncurrent loans | 1,454.6448% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.8486% | 2,959 |
| Noncurrent loans to loans | 0.0972% | 5,407 |
| Net loans and leases to total assets | 80.0493% | 679 |
| Net loans and leases to deposits | 94.2838% | 951 |
| Net loans and leases to core deposits | 133.6482% | 210 |
| Total domestic deposits to total assets | 84.9026% | 3,456 |
| Equity capital to assets | 12.0229% | 2,010 |
| Core capital (leverage) ratio | 11.9325% | 1,680 |
| Tier 1 risk-based capital ratio | 15.2265% | 3,306 |
| Total risk-based capital ratio | 16.4789% | 3,230 |
| Memoranda: | ||
| Average total assets | $234,451,000 | 2,681 |
| Average earning assets | $219,366,500 | 2,648 |
| Average equity | $27,664,000 | 2,526 |
| Average total loans | $187,745,500 | 2,202 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 1,660 |
| Cost of funding earning assets | 0.9878% | 247 |
| Net interest margin | 3.5733% | 3,503 |
| Noninterest income to average assets | 0.1671% | 5,860 |
| Noninterest expense to average assets | 1.9809% | 5,804 |
| Loan and lease loss provision to assets | 0.0677% | 3,132 |
| Net operating income to assets | 0.9395% | 2,678 |
| Return on assets (ROA) | 0.9395% | 2,768 |
| Pretax return on assets | 1.4612% | 1,686 |
| Return on Equity (ROE) | 8.9851% | 2,592 |
| Retained earnings to average equity (ytd only) | 7.2069% | 1,314 |
| Net charge-offs to loans | -0.0110% | 5,577 |
| Credit loss provision to net charge-offs | -790.0000% | 5,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4384% | 5,627 |
| Assets per employee ($millions) | 7.4061% | 688 |
| Cash dividends to net income (ytd only)* | 19.7902% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 2,846 |
| Loan loss allowance to noncurrent loans | 203.5195% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 1.3114% | 2,146 |
| Noncurrent loans to loans | 0.6982% | 3,592 |
| Net loans and leases to total assets | 77.8620% | 1,019 |
| Net loans and leases to deposits | 90.5784% | 1,455 |
| Net loans and leases to core deposits | 128.0225% | 270 |
| Total domestic deposits to total assets | 85.9609% | 2,863 |
| Equity capital to assets | 11.5808% | 2,363 |
| Core capital (leverage) ratio | 11.1458% | 2,264 |
| Tier 1 risk-based capital ratio | 15.7305% | 3,115 |
| Total risk-based capital ratio | 16.9839% | 3,043 |
| Memoranda: | ||
| Average total assets | $233,433,800 | 2,669 |
| Average earning assets | $218,366,600 | 2,637 |
| Average equity | $24,407,200 | 2,722 |
| Average total loans | $182,382,000 | 2,205 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 1,718 |
| Cost of funding earning assets | 1.0008% | 249 |
| Net interest margin | 3.5432% | 3,658 |
| Noninterest income to average assets | 0.1617% | 5,945 |
| Noninterest expense to average assets | 1.9637% | 5,834 |
| Loan and lease loss provision to assets | 0.0906% | 2,544 |
| Net operating income to assets | 0.9122% | 2,854 |
| Return on assets (ROA) | 0.9122% | 2,953 |
| Pretax return on assets | 1.4202% | 1,931 |
| Return on Equity (ROE) | 8.9704% | 2,699 |
| Retained earnings to average equity (ytd only) | 7.2395% | 1,696 |
| Net charge-offs to loans | -0.0147% | 5,533 |
| Credit loss provision to net charge-offs | -790.0000% | 5,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5182% | 5,612 |
| Assets per employee ($millions) | 7.5820% | 619 |
| Cash dividends to net income (ytd only)* | 19.2959% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 3,137 |
| Loan loss allowance to noncurrent loans | 193.8776% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 1.3379% | 2,307 |
| Noncurrent loans to loans | 0.7256% | 3,790 |
| Net loans and leases to total assets | 76.8328% | 1,120 |
| Net loans and leases to deposits | 87.6150% | 1,721 |
| Net loans and leases to core deposits | 123.0577% | 327 |
| Total domestic deposits to total assets | 87.6937% | 1,923 |
| Equity capital to assets | 10.0444% | 4,110 |
| Core capital (leverage) ratio | 9.9387% | 3,758 |
| Tier 1 risk-based capital ratio | 13.8494% | 4,321 |
| Total risk-based capital ratio | 15.1026% | 4,255 |
| Memoranda: | ||
| Average total assets | $232,543,500 | 2,693 |
| Average earning assets | $217,425,000 | 2,657 |
| Average equity | $23,647,500 | 2,793 |
| Average total loans | $181,180,250 | 2,230 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5321% | 1,731 |
| Cost of funding earning assets | 1.0184% | 236 |
| Net interest margin | 3.5137% | 3,728 |
| Noninterest income to average assets | 0.1606% | 5,994 |
| Noninterest expense to average assets | 1.9783% | 5,864 |
| Loan and lease loss provision to assets | 0.0585% | 3,115 |
| Net operating income to assets | 0.9146% | 2,732 |
| Return on assets (ROA) | 0.9146% | 2,834 |
| Pretax return on assets | 1.4085% | 1,861 |
| Return on Equity (ROE) | 8.9547% | 2,618 |
| Retained earnings to average equity (ytd only) | 7.2373% | 1,644 |
| Net charge-offs to loans | -0.0022% | 5,069 |
| Credit loss provision to net charge-offs | -3,350.0000% | 5,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4215% | 5,618 |
| Assets per employee ($millions) | 8.0109% | 491 |
| Cash dividends to net income (ytd only)* | 19.1794% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 3,362 |
| Loan loss allowance to noncurrent loans | 173.0665% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3643% | 2,400 |
| Noncurrent loans to loans | 0.8079% | 3,687 |
| Net loans and leases to total assets | 72.4436% | 1,661 |
| Net loans and leases to deposits | 84.9061% | 1,943 |
| Net loans and leases to core deposits | 121.5344% | 342 |
| Total domestic deposits to total assets | 85.3220% | 3,350 |
| Equity capital to assets | 9.5982% | 4,629 |
| Core capital (leverage) ratio | 10.5013% | 2,947 |
| Tier 1 risk-based capital ratio | 13.7390% | 4,421 |
| Total risk-based capital ratio | 14.9916% | 4,369 |
| Memoranda: | ||
| Average total assets | $229,183,670 | 2,735 |
| Average earning assets | $214,247,330 | 2,694 |
| Average equity | $23,406,670 | 2,812 |
| Average total loans | $178,549,000 | 2,250 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 1,389 |
| Cost of funding earning assets | 1.0735% | 187 |
| Net interest margin | 3.5718% | 3,381 |
| Noninterest income to average assets | 0.1639% | 5,993 |
| Noninterest expense to average assets | 2.0036% | 5,880 |
| Loan and lease loss provision to assets | 0.0729% | 2,679 |
| Net operating income to assets | 0.9253% | 2,525 |
| Return on assets (ROA) | 0.9253% | 2,599 |
| Pretax return on assets | 1.4207% | 1,679 |
| Return on Equity (ROE) | 8.7616% | 2,565 |
| Retained earnings to average equity (ytd only) | 7.0542% | 2,022 |
| Net charge-offs to loans | -0.0023% | 4,716 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2917% | 5,722 |
| Assets per employee ($millions) | 7.3769% | 672 |
| Cash dividends to net income (ytd only)* | 19.4882% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 3,610 |
| Loan loss allowance to noncurrent loans | 169.3289% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.5381% | 2,300 |
| Noncurrent loans to loans | 0.8256% | 3,824 |
| Net loans and leases to total assets | 80.4087% | 503 |
| Net loans and leases to deposits | 96.5729% | 614 |
| Net loans and leases to core deposits | 149.5793% | 98 |
| Total domestic deposits to total assets | 83.2622% | 4,513 |
| Equity capital to assets | 10.5722% | 3,176 |
| Core capital (leverage) ratio | 10.6690% | 2,741 |
| Tier 1 risk-based capital ratio | 13.8298% | 4,449 |
| Total risk-based capital ratio | 15.0830% | 4,396 |
| Memoranda: | ||
| Average total assets | $219,606,500 | 2,833 |
| Average earning assets | $204,939,500 | 2,797 |
| Average equity | $23,192,000 | 2,822 |
| Average total loans | $176,595,500 | 2,270 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 1,325 |
| Cost of funding earning assets | 1.1577% | 218 |
| Net interest margin | 3.6394% | 3,285 |
| Noninterest income to average assets | 0.2840% | 5,324 |
| Noninterest expense to average assets | 2.0414% | 5,940 |
| Loan and lease loss provision to assets | 0.0851% | 3,409 |
| Net operating income to assets | 1.0270% | 2,213 |
| Return on assets (ROA) | 1.0270% | 2,278 |
| Pretax return on assets | 1.5498% | 1,300 |
| Return on Equity (ROE) | 9.5665% | 2,298 |
| Retained earnings to average equity (ytd only) | 7.8951% | 1,093 |
| Net charge-offs to loans | 0.0641% | 4,313 |
| Credit loss provision to net charge-offs | 165.0943% | 1,379 |
| Earnings coverage of net charge-offs (x) | 31.7170% | 1,127 |
| Efficiency ratio | 55.5291% | 5,995 |
| Assets per employee ($millions) | 8.0706% | 455 |
| Cash dividends to net income (ytd only)* | 17.4716% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 3,484 |
| Loan loss allowance to noncurrent loans | 159.4091% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.5929% | 2,336 |
| Noncurrent loans to loans | 0.9015% | 3,732 |
| Net loans and leases to total assets | 78.1236% | 811 |
| Net loans and leases to deposits | 93.5162% | 912 |
| Net loans and leases to core deposits | 146.2948% | 110 |
| Total domestic deposits to total assets | 83.5402% | 4,347 |
| Equity capital to assets | 10.5490% | 3,092 |
| Core capital (leverage) ratio | 10.5108% | 2,907 |
| Tier 1 risk-based capital ratio | 14.5262% | 3,939 |
| Total risk-based capital ratio | 15.7800% | 3,869 |
| Memoranda: | ||
| Average total assets | $205,642,200 | 2,963 |
| Average earning assets | $191,678,400 | 2,935 |
| Average equity | $22,077,000 | 2,921 |
| Average total loans | $165,482,600 | 2,353 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 1,298 |
| Cost of funding earning assets | 1.1644% | 230 |
| Net interest margin | 3.6586% | 3,200 |
| Noninterest income to average assets | 0.3304% | 5,044 |
| Noninterest expense to average assets | 2.0778% | 5,875 |
| Loan and lease loss provision to assets | 0.1145% | 2,857 |
| Net operating income to assets | 1.0393% | 2,229 |
| Return on assets (ROA) | 1.0393% | 2,312 |
| Pretax return on assets | 1.5460% | 1,477 |
| Return on Equity (ROE) | 9.6354% | 2,332 |
| Retained earnings to average equity (ytd only) | 7.9634% | 1,420 |
| Net charge-offs to loans | 0.0603% | 4,045 |
| Credit loss provision to net charge-offs | 235.1351% | 1,033 |
| Earnings coverage of net charge-offs (x) | 34.0961% | 1,122 |
| Efficiency ratio | 55.5810% | 5,962 |
| Assets per employee ($millions) | 7.9046% | 482 |
| Cash dividends to net income (ytd only)* | 17.3526% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 3,684 |
| Loan loss allowance to noncurrent loans | 152.3030% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6966% | 2,423 |
| Noncurrent loans to loans | 0.9527% | 3,910 |
| Net loans and leases to total assets | 79.9719% | 549 |
| Net loans and leases to deposits | 95.8968% | 698 |
| Net loans and leases to core deposits | 158.0385% | 76 |
| Total domestic deposits to total assets | 83.3937% | 4,419 |
| Equity capital to assets | 10.5653% | 3,203 |
| Core capital (leverage) ratio | 10.4617% | 3,047 |
| Tier 1 risk-based capital ratio | 14.2664% | 4,239 |
| Total risk-based capital ratio | 15.5204% | 4,180 |
| Memoranda: | ||
| Average total assets | $202,576,250 | 3,030 |
| Average earning assets | $188,701,000 | 2,995 |
| Average equity | $21,849,500 | 2,983 |
| Average total loans | $163,673,750 | 2,383 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7909% | 1,344 |
| Cost of funding earning assets | 1.1508% | 255 |
| Net interest margin | 3.6401% | 3,208 |
| Noninterest income to average assets | 0.2141% | 5,908 |
| Noninterest expense to average assets | 2.1110% | 5,848 |
| Loan and lease loss provision to assets | 0.1226% | 2,788 |
| Net operating income to assets | 0.8806% | 2,898 |
| Return on assets (ROA) | 0.8806% | 3,045 |
| Pretax return on assets | 1.3731% | 2,027 |
| Return on Equity (ROE) | 8.1050% | 3,040 |
| Retained earnings to average equity (ytd only) | 6.4303% | 2,187 |
| Net charge-offs to loans | 0.0947% | 3,419 |
| Credit loss provision to net charge-offs | 160.5263% | 1,451 |
| Earnings coverage of net charge-offs (x) | 19.5789% | 1,501 |
| Efficiency ratio | 58.5284% | 5,665 |
| Assets per employee ($millions) | 8.1773% | 428 |
| Cash dividends to net income (ytd only)* | 20.6621% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 3,711 |
| Loan loss allowance to noncurrent loans | 80.7819% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.8774% | 2,305 |
| Noncurrent loans to loans | 1.8221% | 2,605 |
| Net loans and leases to total assets | 80.5153% | 488 |
| Net loans and leases to deposits | 97.5257% | 569 |
| Net loans and leases to core deposits | 157.4010% | 79 |
| Total domestic deposits to total assets | 82.5580% | 4,867 |
| Equity capital to assets | 10.7322% | 3,018 |
| Core capital (leverage) ratio | 10.6900% | 2,678 |
| Tier 1 risk-based capital ratio | 14.1970% | 4,294 |
| Total risk-based capital ratio | 15.4511% | 4,251 |
| Memoranda: | ||
| Average total assets | $198,960,000 | 3,083 |
| Average earning assets | $185,435,330 | 3,043 |
| Average equity | $21,616,330 | 3,026 |
| Average total loans | $160,500,670 | 2,435 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7627% | 1,374 |
| Cost of funding earning assets | 1.1233% | 331 |
| Net interest margin | 3.6394% | 3,110 |
| Noninterest income to average assets | 0.2140% | 5,945 |
| Noninterest expense to average assets | 2.1200% | 5,867 |
| Loan and lease loss provision to assets | 0.1121% | 2,833 |
| Net operating income to assets | 0.8765% | 2,769 |
| Return on assets (ROA) | 0.8765% | 2,917 |
| Pretax return on assets | 1.3699% | 1,971 |
| Return on Equity (ROE) | 8.0170% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.8119% | 1,821 |
| Net charge-offs to loans | 0.1781% | 2,324 |
| Credit loss provision to net charge-offs | 78.5714% | 2,175 |
| Earnings coverage of net charge-offs (x) | 10.3857% | 1,750 |
| Efficiency ratio | 58.8568% | 5,735 |
| Assets per employee ($millions) | 7.6831% | 563 |
| Cash dividends to net income (ytd only)* | 2.5581% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 3,802 |
| Loan loss allowance to noncurrent loans | 70.3432% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.1005% | 2,232 |
| Noncurrent loans to loans | 2.1403% | 2,449 |
| Net loans and leases to total assets | 78.5328% | 557 |
| Net loans and leases to deposits | 95.4635% | 570 |
| Net loans and leases to core deposits | 149.4204% | 93 |
| Total domestic deposits to total assets | 82.2648% | 5,109 |
| Equity capital to assets | 10.8450% | 3,152 |
| Core capital (leverage) ratio | 11.1013% | 2,177 |
| Tier 1 risk-based capital ratio | 14.7353% | 4,005 |
| Total risk-based capital ratio | 15.9903% | 3,973 |
| Memoranda: | ||
| Average total assets | $196,224,000 | 3,137 |
| Average earning assets | $182,668,000 | 3,105 |
| Average equity | $21,454,500 | 3,085 |
| Average total loans | $157,222,000 | 2,496 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 2,576 |
| Cost of funding earning assets | 1.1671% | 672 |
| Net interest margin | 3.5376% | 4,349 |
| Noninterest income to average assets | 0.2084% | 5,922 |
| Noninterest expense to average assets | 1.9447% | 6,429 |
| Loan and lease loss provision to assets | 0.0906% | 4,559 |
| Net operating income to assets | 0.9376% | 2,610 |
| Return on assets (ROA) | 0.9376% | 2,858 |
| Pretax return on assets | 1.4769% | 1,752 |
| Return on Equity (ROE) | 8.8857% | 2,690 |
| Retained earnings to average equity (ytd only) | 7.3788% | 1,381 |
| Net charge-offs to loans | 0.1263% | 4,418 |
| Credit loss provision to net charge-offs | 91.6667% | 3,404 |
| Earnings coverage of net charge-offs (x) | 15.8646% | 1,625 |
| Efficiency ratio | 55.3700% | 6,130 |
| Assets per employee ($millions) | 7.7075% | 574 |
| Cash dividends to net income (ytd only)* | 16.9594% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 3,500 |
| Loan loss allowance to noncurrent loans | 59.3896% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 2.5170% | 1,937 |
| Noncurrent loans to loans | 2.6185% | 2,021 |
| Net loans and leases to total assets | 79.2762% | 539 |
| Net loans and leases to deposits | 96.1310% | 608 |
| Net loans and leases to core deposits | 145.1437% | 118 |
| Total domestic deposits to total assets | 82.4669% | 4,942 |
| Equity capital to assets | 11.0257% | 2,920 |
| Core capital (leverage) ratio | 10.9583% | 2,293 |
| Tier 1 risk-based capital ratio | 14.6458% | 3,936 |
| Total risk-based capital ratio | 15.9012% | 3,893 |
| Memoranda: | ||
| Average total assets | $194,327,600 | 3,120 |
| Average earning assets | $181,481,000 | 3,065 |
| Average equity | $20,504,800 | 3,143 |
| Average total loans | $152,036,200 | 2,542 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 2,905 |
| Cost of funding earning assets | 1.1641% | 819 |
| Net interest margin | 3.5128% | 4,590 |
| Noninterest income to average assets | 0.2013% | 6,091 |
| Noninterest expense to average assets | 1.8500% | 6,613 |
| Loan and lease loss provision to assets | 0.0719% | 4,771 |
| Net operating income to assets | 0.9914% | 2,552 |
| Return on assets (ROA) | 0.9914% | 2,780 |
| Pretax return on assets | 1.5665% | 1,685 |
| Return on Equity (ROE) | 9.5012% | 2,586 |
| Retained earnings to average equity (ytd only) | 7.9592% | 1,630 |
| Net charge-offs to loans | 0.0256% | 5,312 |
| Credit loss provision to net charge-offs | 362.0690% | 740 |
| Earnings coverage of net charge-offs (x) | 82.5081% | 498 |
| Efficiency ratio | 53.0324% | 6,348 |
| Assets per employee ($millions) | 7.6107% | 558 |
| Cash dividends to net income (ytd only)* | 16.2295% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 3,289 |
| Loan loss allowance to noncurrent loans | 54.2913% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 2.8775% | 1,822 |
| Noncurrent loans to loans | 3.0587% | 1,820 |
| Net loans and leases to total assets | 77.9648% | 735 |
| Net loans and leases to deposits | 92.3231% | 939 |
| Net loans and leases to core deposits | 130.6322% | 186 |
| Total domestic deposits to total assets | 84.4477% | 4,003 |
| Equity capital to assets | 11.0082% | 3,272 |
| Core capital (leverage) ratio | 10.9706% | 2,421 |
| Tier 1 risk-based capital ratio | 14.9247% | 3,903 |
| Total risk-based capital ratio | 16.1810% | 3,852 |
| Memoranda: | ||
| Average total assets | $194,737,750 | 3,148 |
| Average earning assets | $182,222,500 | 3,089 |
| Average equity | $20,319,750 | 3,198 |
| Average total loans | $151,253,250 | 2,586 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 3,328 |
| Cost of funding earning assets | 1.1595% | 980 |
| Net interest margin | 3.4481% | 4,889 |
| Noninterest income to average assets | 0.1987% | 6,131 |
| Noninterest expense to average assets | 1.8163% | 6,733 |
| Loan and lease loss provision to assets | 0.0938% | 4,382 |
| Net operating income to assets | 0.9601% | 2,616 |
| Return on assets (ROA) | 0.9601% | 2,865 |
| Pretax return on assets | 1.5197% | 1,804 |
| Return on Equity (ROE) | 9.3679% | 2,635 |
| Retained earnings to average equity (ytd only) | 7.7867% | 1,726 |
| Net charge-offs to loans | 0.0053% | 5,426 |
| Credit loss provision to net charge-offs | 2,300.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 395.7500% | 106 |
| Efficiency ratio | 52.9569% | 6,423 |
| Assets per employee ($millions) | 6.9917% | 730 |
| Cash dividends to net income (ytd only)* | 16.8790% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 3,434 |
| Loan loss allowance to noncurrent loans | 52.6459% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 3.1037% | 1,760 |
| Noncurrent loans to loans | 3.1308% | 1,869 |
| Net loans and leases to total assets | 82.6211% | 296 |
| Net loans and leases to deposits | 98.3833% | 503 |
| Net loans and leases to core deposits | 137.5952% | 162 |
| Total domestic deposits to total assets | 83.9788% | 4,324 |
| Equity capital to assets | 11.2843% | 2,810 |
| Core capital (leverage) ratio | 10.6785% | 2,630 |
| Tier 1 risk-based capital ratio | 14.5780% | 4,042 |
| Total risk-based capital ratio | 15.8345% | 4,002 |
| Memoranda: | ||
| Average total assets | $196,227,670 | 3,133 |
| Average earning assets | $183,871,330 | 3,074 |
| Average equity | $20,111,330 | 3,206 |
| Average total loans | $151,388,670 | 2,597 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 4,342 |
| Cost of funding earning assets | 1.1219% | 1,288 |
| Net interest margin | 3.2777% | 5,546 |
| Noninterest income to average assets | 0.1828% | 6,284 |
| Noninterest expense to average assets | 1.7734% | 6,822 |
| Loan and lease loss provision to assets | 0.0747% | 4,462 |
| Net operating income to assets | 0.8926% | 2,954 |
| Return on assets (ROA) | 0.8926% | 3,176 |
| Pretax return on assets | 1.4136% | 2,148 |
| Return on Equity (ROE) | 9.1208% | 2,776 |
| Retained earnings to average equity (ytd only) | 7.2725% | 2,292 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3701% | 6,308 |
| Assets per employee ($millions) | 7.8905% | 510 |
| Cash dividends to net income (ytd only)* | 20.2643% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 3,631 |
| Loan loss allowance to noncurrent loans | 57.6537% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 2.6057% | 2,269 |
| Noncurrent loans to loans | 2.8165% | 2,288 |
| Net loans and leases to total assets | 75.7678% | 825 |
| Net loans and leases to deposits | 89.0226% | 1,057 |
| Net loans and leases to core deposits | 118.1127% | 340 |
| Total domestic deposits to total assets | 85.1107% | 3,981 |
| Equity capital to assets | 10.1849% | 3,871 |
| Core capital (leverage) ratio | 10.2506% | 3,050 |
| Tier 1 risk-based capital ratio | 14.2929% | 4,242 |
| Total risk-based capital ratio | 15.5492% | 4,215 |
| Memoranda: | ||
| Average total assets | $203,449,500 | 3,066 |
| Average earning assets | $191,112,000 | 3,008 |
| Average equity | $19,910,500 | 3,232 |
| Average total loans | $150,728,500 | 2,621 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6731% | 4,362 |
| Cost of funding earning assets | 1.3369% | 1,309 |
| Net interest margin | 3.3362% | 5,703 |
| Noninterest income to average assets | 0.0353% | 6,890 |
| Noninterest expense to average assets | 1.8459% | 6,903 |
| Loan and lease loss provision to assets | 0.1710% | 4,496 |
| Net operating income to assets | 0.7313% | 3,330 |
| Return on assets (ROA) | 0.7313% | 3,508 |
| Pretax return on assets | 1.1847% | 2,509 |
| Return on Equity (ROE) | 7.0752% | 3,369 |
| Retained earnings to average equity (ytd only) | 5.8671% | 2,096 |
| Net charge-offs to loans | 0.2305% | 4,341 |
| Credit loss provision to net charge-offs | 93.7500% | 3,842 |
| Earnings coverage of net charge-offs (x) | 7.4315% | 2,338 |
| Efficiency ratio | 57.6564% | 6,097 |
| Assets per employee ($millions) | 8.3855% | 410 |
| Cash dividends to net income (ytd only)* | 17.0750% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 3,497 |
| Loan loss allowance to noncurrent loans | 56.2399% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.4709% | 2,457 |
| Noncurrent loans to loans | 2.8884% | 2,263 |
| Net loans and leases to total assets | 70.1689% | 2,002 |
| Net loans and leases to deposits | 81.2564% | 2,317 |
| Net loans and leases to core deposits | 104.0915% | 900 |
| Total domestic deposits to total assets | 86.3550% | 3,113 |
| Equity capital to assets | 9.4115% | 5,009 |
| Core capital (leverage) ratio | 9.5256% | 3,983 |
| Tier 1 risk-based capital ratio | 14.5747% | 3,919 |
| Total risk-based capital ratio | 15.8312% | 3,892 |
| Memoranda: | ||
| Average total assets | $184,188,600 | 3,271 |
| Average earning assets | $174,808,200 | 3,162 |
| Average equity | $19,038,400 | 3,273 |
| Average total loans | $145,779,400 | 2,701 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 4,025 |
| Cost of funding earning assets | 1.3717% | 1,364 |
| Net interest margin | 3.4269% | 5,478 |
| Noninterest income to average assets | 0.0982% | 6,758 |
| Noninterest expense to average assets | 1.9149% | 6,832 |
| Loan and lease loss provision to assets | 0.3262% | 2,924 |
| Net operating income to assets | 0.6830% | 3,698 |
| Return on assets (ROA) | 0.6830% | 3,869 |
| Pretax return on assets | 1.1164% | 2,937 |
| Return on Equity (ROE) | 6.4384% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.1663% | 3,085 |
| Net charge-offs to loans | 0.2403% | 3,920 |
| Credit loss provision to net charge-offs | 166.6667% | 1,814 |
| Earnings coverage of net charge-offs (x) | 7.3717% | 2,369 |
| Efficiency ratio | 57.0344% | 6,139 |
| Assets per employee ($millions) | 7.8078% | 506 |
| Cash dividends to net income (ytd only)* | 19.7581% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 2,866 |
| Loan loss allowance to noncurrent loans | 59.7314% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 2.7670% | 2,352 |
| Noncurrent loans to loans | 3.0470% | 2,274 |
| Net loans and leases to total assets | 72.5179% | 1,607 |
| Net loans and leases to deposits | 84.6066% | 1,902 |
| Net loans and leases to core deposits | 112.5376% | 589 |
| Total domestic deposits to total assets | 85.7118% | 3,373 |
| Equity capital to assets | 9.9106% | 4,468 |
| Core capital (leverage) ratio | 9.7135% | 3,825 |
| Tier 1 risk-based capital ratio | 14.9819% | 3,669 |
| Total risk-based capital ratio | 16.2413% | 3,637 |
| Memoranda: | ||
| Average total assets | $177,826,500 | 3,382 |
| Average earning assets | $169,129,250 | 3,268 |
| Average equity | $18,865,500 | 3,307 |
| Average total loans | $144,842,000 | 2,731 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9463% | 3,412 |
| Cost of funding earning assets | 1.3944% | 1,447 |
| Net interest margin | 3.5519% | 4,916 |
| Noninterest income to average assets | 0.1163% | 6,753 |
| Noninterest expense to average assets | 2.0019% | 6,786 |
| Loan and lease loss provision to assets | 0.5057% | 1,935 |
| Net operating income to assets | 0.6034% | 4,052 |
| Return on assets (ROA) | 0.6034% | 4,188 |
| Pretax return on assets | 0.9905% | 3,275 |
| Return on Equity (ROE) | 5.5491% | 4,187 |
| Retained earnings to average equity (ytd only) | 4.3944% | 3,393 |
| Net charge-offs to loans | 0.2509% | 3,624 |
| Credit loss provision to net charge-offs | 239.0110% | 1,264 |
| Earnings coverage of net charge-offs (x) | 7.0714% | 2,280 |
| Efficiency ratio | 57.2283% | 6,265 |
| Assets per employee ($millions) | 7.4350% | 592 |
| Cash dividends to net income (ytd only)* | 20.8092% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8674% | 2,771 |
| Loan loss allowance to noncurrent loans | 69.4323% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.7735% | 2,415 |
| Noncurrent loans to loans | 2.6896% | 2,709 |
| Net loans and leases to total assets | 79.6020% | 572 |
| Net loans and leases to deposits | 96.9008% | 657 |
| Net loans and leases to core deposits | 134.6143% | 227 |
| Total domestic deposits to total assets | 82.1480% | 5,116 |
| Equity capital to assets | 10.6210% | 3,361 |
| Core capital (leverage) ratio | 11.1509% | 2,142 |
| Tier 1 risk-based capital ratio | 13.6045% | 4,450 |
| Total risk-based capital ratio | 14.8632% | 4,426 |
| Memoranda: | ||
| Average total assets | $172,036,670 | 3,497 |
| Average earning assets | $163,800,000 | 3,373 |
| Average equity | $18,705,670 | 3,302 |
| Average total loans | $145,064,000 | 2,756 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 3,334 |
| Cost of funding earning assets | 1.3996% | 1,610 |
| Net interest margin | 3.5501% | 4,812 |
| Noninterest income to average assets | 0.1161% | 6,833 |
| Noninterest expense to average assets | 2.0493% | 6,740 |
| Loan and lease loss provision to assets | 0.7937% | 1,069 |
| Net operating income to assets | 0.3957% | 4,969 |
| Return on assets (ROA) | 0.3957% | 5,062 |
| Pretax return on assets | 0.6563% | 4,467 |
| Return on Equity (ROE) | 3.5948% | 5,099 |
| Retained earnings to average equity (ytd only) | 2.4324% | 4,690 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5647% | 6,199 |
| Assets per employee ($millions) | 7.1318% | 693 |
| Cash dividends to net income (ytd only)* | 32.3353% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 2,739 |
| Loan loss allowance to noncurrent loans | 62.1236% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.9072% | 2,374 |
| Noncurrent loans to loans | 3.0360% | 2,475 |
| Net loans and leases to total assets | 84.6422% | 195 |
| Net loans and leases to deposits | 104.6278% | 293 |
| Net loans and leases to core deposits | 142.0363% | 184 |
| Total domestic deposits to total assets | 80.8984% | 5,693 |
| Equity capital to assets | 10.8942% | 2,781 |
| Core capital (leverage) ratio | 11.4249% | 1,890 |
| Tier 1 risk-based capital ratio | 13.2037% | 4,666 |
| Total risk-based capital ratio | 14.4631% | 4,637 |
| Memoranda: | ||
| Average total assets | $168,835,500 | 3,573 |
| Average earning assets | $160,898,000 | 3,443 |
| Average equity | $18,582,500 | 3,313 |
| Average total loans | $145,224,000 | 2,787 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 4,164 |
| Cost of funding earning assets | 1.4992% | 2,639 |
| Net interest margin | 3.5860% | 4,884 |
| Noninterest income to average assets | 0.0975% | 6,907 |
| Noninterest expense to average assets | 2.0745% | 6,900 |
| Loan and lease loss provision to assets | 0.4844% | 3,237 |
| Net operating income to assets | 0.7053% | 3,212 |
| Return on assets (ROA) | 0.7053% | 3,336 |
| Pretax return on assets | 0.9513% | 3,099 |
| Return on Equity (ROE) | 6.0246% | 3,589 |
| Retained earnings to average equity (ytd only) | 4.8329% | 2,521 |
| Net charge-offs to loans | 0.0891% | 5,952 |
| Credit loss provision to net charge-offs | 646.5517% | 326 |
| Earnings coverage of net charge-offs (x) | 19.1638% | 1,075 |
| Efficiency ratio | 59.0984% | 6,181 |
| Assets per employee ($millions) | 6.9378% | 762 |
| Cash dividends to net income (ytd only)* | 19.7802% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 3,152 |
| Loan loss allowance to noncurrent loans | 53.4818% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 3.0473% | 2,315 |
| Noncurrent loans to loans | 3.2083% | 2,367 |
| Net loans and leases to total assets | 84.2823% | 278 |
| Net loans and leases to deposits | 104.7862% | 371 |
| Net loans and leases to core deposits | 143.7309% | 202 |
| Total domestic deposits to total assets | 80.4327% | 5,712 |
| Equity capital to assets | 11.1215% | 2,581 |
| Core capital (leverage) ratio | 11.4179% | 1,880 |
| Tier 1 risk-based capital ratio | 13.5349% | 4,173 |
| Total risk-based capital ratio | 14.7920% | 4,133 |
| Memoranda: | ||
| Average total assets | $154,835,400 | 3,797 |
| Average earning assets | $147,350,000 | 3,675 |
| Average equity | $18,125,800 | 3,409 |
| Average total loans | $130,174,600 | 3,119 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0813% | 4,421 |
| Cost of funding earning assets | 1.5124% | 2,898 |
| Net interest margin | 3.5690% | 5,027 |
| Noninterest income to average assets | 0.0869% | 7,102 |
| Noninterest expense to average assets | 2.1081% | 6,827 |
| Loan and lease loss provision to assets | 0.2317% | 4,755 |
| Net operating income to assets | 0.8697% | 2,735 |
| Return on assets (ROA) | 0.8697% | 2,871 |
| Pretax return on assets | 1.1374% | 2,705 |
| Return on Equity (ROE) | 7.3293% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.1312% | 2,293 |
| Net charge-offs to loans | 0.0903% | 5,624 |
| Credit loss provision to net charge-offs | 306.9767% | 1,039 |
| Earnings coverage of net charge-offs (x) | 18.1402% | 1,284 |
| Efficiency ratio | 60.6259% | 5,851 |
| Assets per employee ($millions) | 6.6150% | 921 |
| Cash dividends to net income (ytd only)* | 16.3468% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5208% | 3,864 |
| Loan loss allowance to noncurrent loans | 76.6334% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6390% | 3,979 |
| Noncurrent loans to loans | 1.9845% | 3,702 |
| Net loans and leases to total assets | 81.3333% | 579 |
| Net loans and leases to deposits | 99.4233% | 694 |
| Net loans and leases to core deposits | 139.0598% | 266 |
| Total domestic deposits to total assets | 81.8051% | 5,072 |
| Equity capital to assets | 11.6220% | 2,438 |
| Core capital (leverage) ratio | 11.8408% | 1,743 |
| Tier 1 risk-based capital ratio | 14.2374% | 3,675 |
| Total risk-based capital ratio | 15.4906% | 3,632 |
| Memoranda: | ||
| Average total assets | $151,917,500 | 3,903 |
| Average earning assets | $144,315,250 | 3,783 |
| Average equity | $18,027,750 | 3,466 |
| Average total loans | $127,021,750 | 3,229 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 4,346 |
| Cost of funding earning assets | 1.5314% | 3,061 |
| Net interest margin | 3.5887% | 4,868 |
| Noninterest income to average assets | 0.0909% | 7,126 |
| Noninterest expense to average assets | 2.1064% | 6,883 |
| Loan and lease loss provision to assets | 0.2687% | 4,240 |
| Net operating income to assets | 0.9597% | 2,334 |
| Return on assets (ROA) | 0.9597% | 2,419 |
| Pretax return on assets | 1.1267% | 2,686 |
| Return on Equity (ROE) | 8.0283% | 2,873 |
| Retained earnings to average equity (ytd only) | 6.8207% | 1,917 |
| Net charge-offs to loans | 0.1337% | 4,874 |
| Credit loss provision to net charge-offs | 239.2857% | 1,607 |
| Earnings coverage of net charge-offs (x) | 12.4286% | 1,680 |
| Efficiency ratio | 60.1527% | 6,021 |
| Assets per employee ($millions) | 6.4837% | 958 |
| Cash dividends to net income (ytd only)* | 15.0418% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 3,924 |
| Loan loss allowance to noncurrent loans | 87.7838% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.4151% | 4,351 |
| Noncurrent loans to loans | 1.7120% | 4,119 |
| Net loans and leases to total assets | 81.4169% | 610 |
| Net loans and leases to deposits | 101.2289% | 638 |
| Net loans and leases to core deposits | 142.2339% | 262 |
| Total domestic deposits to total assets | 80.4285% | 5,585 |
| Equity capital to assets | 11.7005% | 2,279 |
| Core capital (leverage) ratio | 11.9579% | 1,662 |
| Tier 1 risk-based capital ratio | 14.4447% | 3,475 |
| Total risk-based capital ratio | 15.6983% | 3,438 |
| Memoranda: | ||
| Average total assets | $149,637,000 | 3,959 |
| Average earning assets | $142,225,330 | 3,859 |
| Average equity | $17,886,670 | 3,483 |
| Average total loans | $125,656,330 | 3,292 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 3,734 |
| Cost of funding earning assets | 1.5341% | 3,355 |
| Net interest margin | 3.7262% | 4,118 |
| Noninterest income to average assets | 0.0791% | 7,306 |
| Noninterest expense to average assets | 2.1084% | 6,917 |
| Loan and lease loss provision to assets | 0.4173% | 2,872 |
| Net operating income to assets | 1.0910% | 1,857 |
| Return on assets (ROA) | 1.0910% | 1,940 |
| Pretax return on assets | 1.0910% | 2,766 |
| Return on Equity (ROE) | 9.0260% | 2,485 |
| Retained earnings to average equity (ytd only) | 7.8075% | 1,788 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2956% | 6,442 |
| Assets per employee ($millions) | 6.1415% | 1,173 |
| Cash dividends to net income (ytd only)* | 13.5000% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 3,554 |
| Loan loss allowance to noncurrent loans | 79.0763% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.6893% | 3,946 |
| Noncurrent loans to loans | 1.9913% | 3,799 |
| Net loans and leases to total assets | 83.5010% | 425 |
| Net loans and leases to deposits | 104.4982% | 497 |
| Net loans and leases to core deposits | 148.1868% | 255 |
| Total domestic deposits to total assets | 79.9066% | 5,816 |
| Equity capital to assets | 12.1502% | 1,956 |
| Core capital (leverage) ratio | 12.4041% | 1,448 |
| Tier 1 risk-based capital ratio | 14.5815% | 3,333 |
| Total risk-based capital ratio | 15.8362% | 3,294 |
| Memoranda: | ||
| Average total assets | $146,651,000 | 4,076 |
| Average earning assets | $139,232,000 | 3,981 |
| Average equity | $17,726,500 | 3,537 |
| Average total loans | $124,172,000 | 3,377 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 5,370 |
| Cost of funding earning assets | 1.9242% | 3,338 |
| Net interest margin | 3.3353% | 5,603 |
| Noninterest income to average assets | 0.1410% | 7,038 |
| Noninterest expense to average assets | 2.2002% | 6,994 |
| Loan and lease loss provision to assets | 0.4999% | 3,876 |
| Net operating income to assets | 0.6221% | 3,245 |
| Return on assets (ROA) | 0.6221% | 3,311 |
| Pretax return on assets | 0.6221% | 3,840 |
| Return on Equity (ROE) | 5.9869% | 3,216 |
| Retained earnings to average equity (ytd only) | 5.7982% | 1,430 |
| Net charge-offs to loans | 0.0369% | 6,752 |
| Credit loss provision to net charge-offs | 1,578.5714% | 201 |
| Earnings coverage of net charge-offs (x) | 35.4286% | 664 |
| Efficiency ratio | 66.2279% | 5,350 |
| Assets per employee ($millions) | 6.3437% | 1,053 |
| Cash dividends to net income (ytd only)* | 3.1515% | 3,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 3,873 |
| Loan loss allowance to noncurrent loans | 107.5829% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 4,778 |
| Noncurrent loans to loans | 1.3691% | 4,636 |
| Net loans and leases to total assets | 83.2603% | 516 |
| Net loans and leases to deposits | 108.0427% | 458 |
| Net loans and leases to core deposits | 175.5912% | 190 |
| Total domestic deposits to total assets | 77.0625% | 6,462 |
| Equity capital to assets | 12.0243% | 2,024 |
| Core capital (leverage) ratio | 12.0289% | 1,656 |
| Tier 1 risk-based capital ratio | 14.4672% | 3,230 |
| Total risk-based capital ratio | 15.7201% | 3,179 |
| Memoranda: | ||
| Average total assets | $132,622,400 | 4,286 |
| Average earning assets | $126,495,800 | 4,164 |
| Average equity | $13,780,200 | 4,319 |
| Average total loans | $113,892,400 | 3,610 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1985% | 5,883 |
| Cost of funding earning assets | 2.0148% | 3,279 |
| Net interest margin | 3.1837% | 6,077 |
| Noninterest income to average assets | 0.1433% | 7,151 |
| Noninterest expense to average assets | 2.2469% | 6,847 |
| Loan and lease loss provision to assets | 0.4176% | 3,817 |
| Net operating income to assets | 0.5176% | 3,913 |
| Return on assets (ROA) | 0.5176% | 4,006 |
| Pretax return on assets | 0.5176% | 4,462 |
| Return on Equity (ROE) | 5.2131% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.2131% | 2,362 |
| Net charge-offs to loans | 0.0526% | 6,183 |
| Credit loss provision to net charge-offs | 920.4545% | 405 |
| Earnings coverage of net charge-offs (x) | 20.6119% | 1,232 |
| Efficiency ratio | 70.6092% | 4,482 |
| Assets per employee ($millions) | 6.3913% | 1,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 4,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 85.2015% | 421 |
| Net loans and leases to deposits | 106.1209% | 646 |
| Net loans and leases to core deposits | 162.5081% | 349 |
| Total domestic deposits to total assets | 80.2872% | 5,338 |
| Equity capital to assets | 9.4311% | 4,837 |
| Core capital (leverage) ratio | 9.5008% | 3,907 |
| Tier 1 risk-based capital ratio | 11.1620% | 5,799 |
| Total risk-based capital ratio | 12.4128% | 5,740 |
| Memoranda: | ||
| Average total assets | $129,301,750 | 4,384 |
| Average earning assets | $123,416,750 | 4,261 |
| Average equity | $12,839,250 | 4,574 |
| Average total loans | $111,541,250 | 3,707 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0476% | 6,628 |
| Cost of funding earning assets | 2.0645% | 3,450 |
| Net interest margin | 2.9831% | 6,601 |
| Noninterest income to average assets | 0.1657% | 7,096 |
| Noninterest expense to average assets | 2.3086% | 6,736 |
| Loan and lease loss provision to assets | 0.4429% | 3,331 |
| Net operating income to assets | 0.2597% | 5,055 |
| Return on assets (ROA) | 0.2597% | 5,148 |
| Pretax return on assets | 0.2597% | 5,301 |
| Return on Equity (ROE) | 2.5672% | 5,072 |
| Retained earnings to average equity (ytd only) | 2.5672% | 3,899 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6667% | 3,572 |
| Assets per employee ($millions) | 6.5269% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2477% | 4,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 85.0575% | 499 |
| Net loans and leases to deposits | 109.3689% | 581 |
| Net loans and leases to core deposits | 161.1812% | 436 |
| Total domestic deposits to total assets | 77.7711% | 6,137 |
| Equity capital to assets | 9.4014% | 4,748 |
| Core capital (leverage) ratio | 10.0309% | 3,264 |
| Tier 1 risk-based capital ratio | 11.0295% | 5,843 |
| Total risk-based capital ratio | 12.2800% | 5,767 |
| Memoranda: | ||
| Average total assets | $125,532,670 | 4,492 |
| Average earning assets | $119,740,000 | 4,377 |
| Average equity | $12,698,670 | 4,627 |
| Average total loans | $108,269,330 | 3,804 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 7,620 |
| Cost of funding earning assets | 2.1108% | 3,601 |
| Net interest margin | 2.4905% | 7,516 |
| Noninterest income to average assets | 0.1403% | 7,296 |
| Noninterest expense to average assets | 2.3479% | 6,376 |
| Loan and lease loss provision to assets | 0.6479% | 1,954 |
| Net operating income to assets | -0.4676% | 6,846 |
| Return on assets (ROA) | -0.4676% | 6,907 |
| Pretax return on assets | -0.4676% | 6,800 |
| Return on Equity (ROE) | -4.4427% | 6,934 |
| Retained earnings to average equity (ytd only) | -4.4427% | 6,481 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8666% | 1,511 |
| Assets per employee ($millions) | 6.0529% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 4,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 86.4779% | 387 |
| Net loans and leases to deposits | 125.1460% | 199 |
| Net loans and leases to core deposits | 170.3029% | 337 |
| Total domestic deposits to total assets | 69.1016% | 7,505 |
| Equity capital to assets | 9.8765% | 4,147 |
| Core capital (leverage) ratio | 11.2722% | 2,295 |
| Tier 1 risk-based capital ratio | 11.4068% | 5,499 |
| Total risk-based capital ratio | 12.6573% | 5,403 |
| Memoranda: | ||
| Average total assets | $119,766,500 | 4,663 |
| Average earning assets | $114,838,500 | 4,507 |
| Average equity | $12,605,000 | 4,679 |
| Average total loans | $103,375,500 | 3,951 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1453% | 4,800 |
| Cost of funding earning assets | 3.0183% | 1,809 |
| Net interest margin | 3.1270% | 6,568 |
| Noninterest income to average assets | 0.1142% | 7,549 |
| Noninterest expense to average assets | 2.8355% | 4,663 |
| Loan and lease loss provision to assets | 0.4481% | 3,050 |
| Net operating income to assets | -0.1373% | 6,543 |
| Return on assets (ROA) | -0.1373% | 6,392 |
| Pretax return on assets | -0.1373% | 6,310 |
| Return on Equity (ROE) | -0.9894% | 6,362 |
| Retained earnings to average equity (ytd only) | -0.9894% | 5,590 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1222% | 1,505 |
| Assets per employee ($millions) | 5.3535% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 4,114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 83.8307% | 913 |
| Net loans and leases to deposits | 115.0719% | 567 |
| Net loans and leases to core deposits | 160.6878% | 562 |
| Total domestic deposits to total assets | 72.8508% | 6,853 |
| Equity capital to assets | 11.2575% | 2,837 |
| Core capital (leverage) ratio | 11.7093% | 2,122 |
| Tier 1 risk-based capital ratio | 12.5295% | 4,418 |
| Total risk-based capital ratio | 13.7139% | 4,360 |
| Memoranda: | ||
| Average total assets | $91,061,200 | 5,320 |
| Average earning assets | $88,295,000 | 5,138 |
| Average equity | $12,634,000 | 4,662 |
| Average total loans | $79,843,800 | 4,516 |