Home > Putnam County State Bank > Performance and Condition Ratios
Putnam County State 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 | 5.8536% | 773 |
| Cost of funding earning assets | 2.1855% | 661 |
| Net interest margin | 3.6681% | 1,817 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.3519% | 4,413 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.8539% | 563 |
| Return on assets (ROA) | 1.8539% | 547 |
| Pretax return on assets | 2.4093% | 373 |
| Return on Equity (ROE) | 12.3700% | 1,871 |
| Retained earnings to average equity (ytd only) | 5.0403% | 2,597 |
| Net charge-offs to loans | -0.0232% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 35.2188% | 4,448 |
| Assets per employee ($millions) | 11.6153% | 456 |
| Cash dividends to net income (ytd only)* | 59.2434% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 1,801 |
| Loan loss allowance to noncurrent loans | 281.8092% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 1,453 |
| Noncurrent loans to loans | 0.4588% | 1,633 |
| Net loans and leases to total assets | 81.9000% | 443 |
| Net loans and leases to deposits | 97.0993% | 707 |
| Net loans and leases to core deposits | 118.2268% | 683 |
| Total domestic deposits to total assets | 84.3400% | 2,524 |
| Equity capital to assets | 14.2350% | 640 |
| Core capital (leverage) ratio | 14.6518% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $252,392,600 | 2,667 |
| Average earning assets | $240,672,600 | 2,627 |
| Average equity | $37,835,000 | 1,949 |
| Average total loans | $215,496,200 | 2,193 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7231% | 763 |
| Cost of funding earning assets | 2.0575% | 637 |
| Net interest margin | 3.6656% | 1,854 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.2539% | 4,463 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.9182% | 554 |
| Return on assets (ROA) | 1.9182% | 546 |
| Pretax return on assets | 2.5004% | 379 |
| Return on Equity (ROE) | 12.6300% | 1,970 |
| Retained earnings to average equity (ytd only) | 12.6250% | 865 |
| Net charge-offs to loans | -0.0249% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 32.4951% | 4,495 |
| Assets per employee ($millions) | 11.5008% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 1,880 |
| Loan loss allowance to noncurrent loans | 150.3158% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 747 |
| Noncurrent loans to loans | 0.8631% | 962 |
| Net loans and leases to total assets | 85.8700% | 166 |
| Net loans and leases to deposits | 102.1774% | 426 |
| Net loans and leases to core deposits | 123.7144% | 465 |
| Total domestic deposits to total assets | 84.0400% | 2,761 |
| Equity capital to assets | 15.6910% | 475 |
| Core capital (leverage) ratio | 15.7384% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $248,702,750 | 2,694 |
| Average earning assets | $237,043,250 | 2,653 |
| Average equity | $37,786,500 | 1,942 |
| Average total loans | $213,957,000 | 2,206 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4946% | 837 |
| Cost of funding earning assets | 1.8861% | 630 |
| Net interest margin | 3.6085% | 2,021 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 1.2634% | 4,491 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.8790% | 584 |
| Return on assets (ROA) | 1.8790% | 577 |
| Pretax return on assets | 2.4638% | 373 |
| Return on Equity (ROE) | 12.5100% | 2,006 |
| Retained earnings to average equity (ytd only) | 12.5066% | 883 |
| Net charge-offs to loans | -0.0142% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 33.0023% | 4,520 |
| Assets per employee ($millions) | 11.2597% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,130 |
| Loan loss allowance to noncurrent loans | 339.3120% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 1,609 |
| Noncurrent loans to loans | 0.3712% | 1,811 |
| Net loans and leases to total assets | 87.4000% | 101 |
| Net loans and leases to deposits | 103.7403% | 378 |
| Net loans and leases to core deposits | 125.0462% | 409 |
| Total domestic deposits to total assets | 84.2500% | 2,764 |
| Equity capital to assets | 15.5195% | 475 |
| Core capital (leverage) ratio | 14.9779% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $247,264,333 | 2,706 |
| Average earning assets | $235,941,000 | 2,672 |
| Average equity | $37,148,333 | 1,977 |
| Average total loans | $211,900,333 | 2,210 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2639% | 869 |
| Cost of funding earning assets | 1.6912% | 589 |
| Net interest margin | 3.5727% | 2,184 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 1.3812% | 4,483 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.6694% | 870 |
| Return on assets (ROA) | 1.6694% | 869 |
| Pretax return on assets | 2.3073% | 475 |
| Return on Equity (ROE) | 11.3000% | 2,406 |
| Retained earnings to average equity (ytd only) | 11.2985% | 1,401 |
| Net charge-offs to loans | -0.0192% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.2516% | 4,535 |
| Assets per employee ($millions) | 11.2478% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,055 |
| Loan loss allowance to noncurrent loans | 249.1713% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 1,170 |
| Noncurrent loans to loans | 0.5198% | 1,422 |
| Net loans and leases to total assets | 83.3400% | 278 |
| Net loans and leases to deposits | 98.8231% | 493 |
| Net loans and leases to core deposits | 116.4999% | 523 |
| Total domestic deposits to total assets | 84.3300% | 3,020 |
| Equity capital to assets | 15.0142% | 485 |
| Core capital (leverage) ratio | 15.0162% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $247,039,500 | 2,740 |
| Average earning assets | $235,338,500 | 2,703 |
| Average equity | $36,500,500 | 2,021 |
| Average total loans | $208,217,000 | 2,249 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 1,228 |
| Cost of funding earning assets | 1.0338% | 141 |
| Net interest margin | 3.1740% | 2,947 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.2632% | 4,574 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5919% | 705 |
| Return on assets (ROA) | 1.5919% | 672 |
| Pretax return on assets | 2.0679% | 408 |
| Return on Equity (ROE) | 11.4200% | 2,333 |
| Retained earnings to average equity (ytd only) | 5.6627% | 2,767 |
| Net charge-offs to loans | -0.0327% | 4,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 37.3905% | 4,586 |
| Assets per employee ($millions) | 11.2103% | 480 |
| Cash dividends to net income (ytd only)* | 50.3966% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,375 |
| Loan loss allowance to noncurrent loans | 789.9471% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 2,466 |
| Noncurrent loans to loans | 0.1822% | 2,577 |
| Net loans and leases to total assets | 82.9300% | 331 |
| Net loans and leases to deposits | 98.5962% | 496 |
| Net loans and leases to core deposits | 112.8117% | 525 |
| Total domestic deposits to total assets | 84.1100% | 3,183 |
| Equity capital to assets | 14.5353% | 521 |
| Core capital (leverage) ratio | 14.7195% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $253,403,000 | 2,705 |
| Average earning assets | $243,569,200 | 2,655 |
| Average equity | $35,336,400 | 2,095 |
| Average total loans | $195,776,600 | 2,266 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 1,210 |
| Cost of funding earning assets | 0.9659% | 70 |
| Net interest margin | 3.0628% | 3,046 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 1.1708% | 4,640 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.4567% | 939 |
| Return on assets (ROA) | 1.4567% | 918 |
| Pretax return on assets | 2.0206% | 445 |
| Return on Equity (ROE) | 10.5500% | 2,551 |
| Retained earnings to average equity (ytd only) | 10.5540% | 1,180 |
| Net charge-offs to loans | -0.0843% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 36.1524% | 4,644 |
| Assets per employee ($millions) | 10.9007% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 1,302 |
| Loan loss allowance to noncurrent loans | 941.2500% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 2,675 |
| Noncurrent loans to loans | 0.1588% | 2,814 |
| Net loans and leases to total assets | 82.7600% | 335 |
| Net loans and leases to deposits | 98.2093% | 449 |
| Net loans and leases to core deposits | 113.4486% | 377 |
| Total domestic deposits to total assets | 84.2700% | 3,438 |
| Equity capital to assets | 15.2759% | 430 |
| Core capital (leverage) ratio | 14.7826% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $255,097,000 | 2,716 |
| Average earning assets | $245,301,250 | 2,659 |
| Average equity | $35,208,500 | 2,134 |
| Average total loans | $192,843,750 | 2,284 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 1,285 |
| Cost of funding earning assets | 0.9458% | 48 |
| Net interest margin | 2.8671% | 3,250 |
| Noninterest income to average assets | 0.2775% | 3,507 |
| Noninterest expense to average assets | 1.1315% | 4,670 |
| Loan and lease loss provision to assets | 0.0461% | 1,742 |
| Net operating income to assets | 1.4274% | 843 |
| Return on assets (ROA) | 1.4274% | 829 |
| Pretax return on assets | 1.8540% | 523 |
| Return on Equity (ROE) | 10.6929% | 2,092 |
| Retained earnings to average equity (ytd only) | 10.6929% | 847 |
| Net charge-offs to loans | -0.1242% | 4,493 |
| Credit loss provision to net charge-offs | -50.8475% | 3,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3225% | 4,664 |
| Assets per employee ($millions) | 11.5581% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 1,231 |
| Loan loss allowance to noncurrent loans | 1,655.0000% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,263 |
| Noncurrent loans to loans | 0.0946% | 3,295 |
| Net loans and leases to total assets | 73.6729% | 946 |
| Net loans and leases to deposits | 86.0060% | 971 |
| Net loans and leases to core deposits | 100.3804% | 657 |
| Total domestic deposits to total assets | 85.6602% | 3,336 |
| Equity capital to assets | 14.0413% | 508 |
| Core capital (leverage) ratio | 13.7731% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,191,000 | 2,707 |
| Average earning assets | $249,936,333 | 2,671 |
| Average equity | $34,733,333 | 2,206 |
| Average total loans | $189,962,333 | 2,300 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 1,267 |
| Cost of funding earning assets | 0.9478% | 45 |
| Net interest margin | 2.7530% | 3,271 |
| Noninterest income to average assets | 0.2599% | 3,578 |
| Noninterest expense to average assets | 1.2693% | 4,641 |
| Loan and lease loss provision to assets | 0.0456% | 1,544 |
| Net operating income to assets | 1.2160% | 1,209 |
| Return on assets (ROA) | 1.2160% | 1,195 |
| Pretax return on assets | 1.5854% | 851 |
| Return on Equity (ROE) | 9.3436% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.3436% | 1,174 |
| Net charge-offs to loans | -0.1201% | 4,505 |
| Credit loss provision to net charge-offs | -52.6316% | 2,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7631% | 4,559 |
| Assets per employee ($millions) | 11.4152% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,502 |
| Loan loss allowance to noncurrent loans | 343.6905% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 1,840 |
| Noncurrent loans to loans | 0.4417% | 1,924 |
| Net loans and leases to total assets | 71.3266% | 895 |
| Net loans and leases to deposits | 82.3344% | 987 |
| Net loans and leases to core deposits | 96.4563% | 635 |
| Total domestic deposits to total assets | 86.6304% | 3,059 |
| Equity capital to assets | 13.1967% | 653 |
| Core capital (leverage) ratio | 13.3215% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,147,500 | 2,701 |
| Average earning assets | $252,383,500 | 2,667 |
| Average equity | $34,248,000 | 2,281 |
| Average total loans | $189,787,000 | 2,298 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 790 |
| Cost of funding earning assets | 1.1854% | 33 |
| Net interest margin | 3.1614% | 2,705 |
| Noninterest income to average assets | 0.2582% | 3,832 |
| Noninterest expense to average assets | 1.2119% | 4,706 |
| Loan and lease loss provision to assets | 0.0796% | 1,539 |
| Net operating income to assets | 1.5543% | 900 |
| Return on assets (ROA) | 1.5543% | 932 |
| Pretax return on assets | 2.0020% | 601 |
| Return on Equity (ROE) | 12.0349% | 1,806 |
| Retained earnings to average equity (ytd only) | 7.3177% | 1,800 |
| Net charge-offs to loans | 0.0063% | 2,347 |
| Credit loss provision to net charge-offs | 1,708.3333% | 350 |
| Earnings coverage of net charge-offs (x) | 446.7500% | 297 |
| Efficiency ratio | 36.7956% | 4,742 |
| Assets per employee ($millions) | 11.4672% | 450 |
| Cash dividends to net income (ytd only)* | 39.1956% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 1,640 |
| Loan loss allowance to noncurrent loans | 278.1529% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 1,701 |
| Noncurrent loans to loans | 0.5316% | 1,802 |
| Net loans and leases to total assets | 70.7570% | 953 |
| Net loans and leases to deposits | 82.6186% | 1,008 |
| Net loans and leases to core deposits | 97.4018% | 643 |
| Total domestic deposits to total assets | 85.6430% | 3,041 |
| Equity capital to assets | 12.8336% | 950 |
| Core capital (leverage) ratio | 12.9430% | 813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,538,800 | 2,678 |
| Average earning assets | $247,265,000 | 2,636 |
| Average equity | $33,261,600 | 2,374 |
| Average total loans | $191,389,600 | 2,297 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 637 |
| Cost of funding earning assets | 1.1673% | 40 |
| Net interest margin | 3.3641% | 2,256 |
| Noninterest income to average assets | 0.2547% | 3,870 |
| Noninterest expense to average assets | 1.1276% | 4,809 |
| Loan and lease loss provision to assets | 0.1066% | 1,133 |
| Net operating income to assets | 1.7500% | 742 |
| Return on assets (ROA) | 1.7500% | 775 |
| Pretax return on assets | 2.2506% | 499 |
| Return on Equity (ROE) | 13.5283% | 1,544 |
| Retained earnings to average equity (ytd only) | 13.5283% | 569 |
| Net charge-offs to loans | -0.0368% | 4,225 |
| Credit loss provision to net charge-offs | -386.7925% | 3,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3569% | 4,848 |
| Assets per employee ($millions) | 11.2619% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5146% | 1,580 |
| Loan loss allowance to noncurrent loans | 237.6451% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4656% | 1,633 |
| Noncurrent loans to loans | 0.6373% | 1,711 |
| Net loans and leases to total assets | 71.9461% | 880 |
| Net loans and leases to deposits | 86.6547% | 790 |
| Net loans and leases to core deposits | 103.2294% | 484 |
| Total domestic deposits to total assets | 83.0262% | 3,700 |
| Equity capital to assets | 13.4254% | 875 |
| Core capital (leverage) ratio | 13.2594% | 783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,987,250 | 2,707 |
| Average earning assets | $245,807,000 | 2,666 |
| Average equity | $33,115,000 | 2,412 |
| Average total loans | $191,882,250 | 2,332 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 413 |
| Cost of funding earning assets | 1.1995% | 44 |
| Net interest margin | 3.6908% | 1,374 |
| Noninterest income to average assets | 0.2345% | 3,998 |
| Noninterest expense to average assets | 1.1264% | 4,844 |
| Loan and lease loss provision to assets | 0.1608% | 722 |
| Net operating income to assets | 1.7892% | 736 |
| Return on assets (ROA) | 1.7892% | 772 |
| Pretax return on assets | 2.4881% | 362 |
| Return on Equity (ROE) | 14.0103% | 1,408 |
| Retained earnings to average equity (ytd only) | 14.0103% | 541 |
| Net charge-offs to loans | -0.0322% | 4,182 |
| Credit loss provision to net charge-offs | -661.2903% | 3,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8359% | 4,894 |
| Assets per employee ($millions) | 11.4146% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4864% | 1,638 |
| Loan loss allowance to noncurrent loans | 266.3858% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 1,984 |
| Noncurrent loans to loans | 0.5580% | 2,003 |
| Net loans and leases to total assets | 71.8191% | 994 |
| Net loans and leases to deposits | 85.9680% | 915 |
| Net loans and leases to core deposits | 102.7252% | 573 |
| Total domestic deposits to total assets | 83.5417% | 3,565 |
| Equity capital to assets | 12.8348% | 1,004 |
| Core capital (leverage) ratio | 12.7941% | 849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,975,333 | 2,711 |
| Average earning assets | $244,606,000 | 2,664 |
| Average equity | $32,561,667 | 2,425 |
| Average total loans | $192,768,667 | 2,326 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 1,515 |
| Cost of funding earning assets | 1.2397% | 48 |
| Net interest margin | 2.8086% | 3,744 |
| Noninterest income to average assets | 1.3583% | 709 |
| Noninterest expense to average assets | 1.3742% | 4,764 |
| Loan and lease loss provision to assets | 0.2070% | 582 |
| Net operating income to assets | 1.8472% | 725 |
| Return on assets (ROA) | 1.8472% | 778 |
| Pretax return on assets | 2.4539% | 471 |
| Return on Equity (ROE) | 14.5025% | 1,327 |
| Retained earnings to average equity (ytd only) | 14.5025% | 692 |
| Net charge-offs to loans | 0.0806% | 792 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | 42.8462% | 962 |
| Efficiency ratio | 34.0568% | 4,872 |
| Assets per employee ($millions) | 12.8403% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 1,986 |
| Loan loss allowance to noncurrent loans | 168.0997% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 1,522 |
| Noncurrent loans to loans | 0.8292% | 1,612 |
| Net loans and leases to total assets | 74.3199% | 783 |
| Net loans and leases to deposits | 88.9047% | 771 |
| Net loans and leases to core deposits | 105.3387% | 532 |
| Total domestic deposits to total assets | 83.5950% | 3,546 |
| Equity capital to assets | 12.6847% | 997 |
| Core capital (leverage) ratio | 13.1923% | 798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,195,000 | 2,722 |
| Average earning assets | $239,411,500 | 2,679 |
| Average equity | $31,994,500 | 2,439 |
| Average total loans | $193,455,000 | 2,328 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 781 |
| Cost of funding earning assets | 1.5160% | 75 |
| Net interest margin | 3.2482% | 3,217 |
| Noninterest income to average assets | 0.3126% | 3,601 |
| Noninterest expense to average assets | 1.3004% | 4,872 |
| Loan and lease loss provision to assets | 0.1238% | 2,816 |
| Net operating income to assets | 1.4917% | 829 |
| Return on assets (ROA) | 1.4917% | 904 |
| Pretax return on assets | 1.9692% | 484 |
| Return on Equity (ROE) | 11.3214% | 1,518 |
| Retained earnings to average equity (ytd only) | 6.5309% | 1,580 |
| Net charge-offs to loans | 0.0849% | 1,612 |
| Credit loss provision to net charge-offs | 180.1242% | 2,263 |
| Earnings coverage of net charge-offs (x) | 30.4410% | 1,601 |
| Efficiency ratio | 38.3212% | 4,900 |
| Assets per employee ($millions) | 12.2792% | 302 |
| Cash dividends to net income (ytd only)* | 42.3132% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,195 |
| Loan loss allowance to noncurrent loans | 153.9551% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.7175% | 1,449 |
| Noncurrent loans to loans | 0.8761% | 1,614 |
| Net loans and leases to total assets | 77.6704% | 628 |
| Net loans and leases to deposits | 93.8226% | 668 |
| Net loans and leases to core deposits | 110.5300% | 492 |
| Total domestic deposits to total assets | 82.7843% | 3,469 |
| Equity capital to assets | 12.7915% | 1,184 |
| Core capital (leverage) ratio | 13.1293% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,156,000 | 2,691 |
| Average earning assets | $222,091,800 | 2,655 |
| Average equity | $30,853,200 | 2,437 |
| Average total loans | $189,639,000 | 2,331 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 757 |
| Cost of funding earning assets | 1.5621% | 96 |
| Net interest margin | 3.3221% | 3,121 |
| Noninterest income to average assets | 0.3349% | 3,478 |
| Noninterest expense to average assets | 1.2261% | 4,931 |
| Loan and lease loss provision to assets | 0.1526% | 2,485 |
| Net operating income to assets | 1.5564% | 798 |
| Return on assets (ROA) | 1.5564% | 878 |
| Pretax return on assets | 2.1092% | 404 |
| Return on Equity (ROE) | 11.7211% | 1,447 |
| Retained earnings to average equity (ytd only) | 11.7211% | 468 |
| Net charge-offs to loans | -0.0424% | 4,628 |
| Credit loss provision to net charge-offs | -441.6667% | 3,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1512% | 4,960 |
| Assets per employee ($millions) | 11.9708% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 1,508 |
| Loan loss allowance to noncurrent loans | 163.9019% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.7435% | 1,563 |
| Noncurrent loans to loans | 0.8895% | 1,684 |
| Net loans and leases to total assets | 79.2215% | 684 |
| Net loans and leases to deposits | 95.7228% | 776 |
| Net loans and leases to core deposits | 114.1979% | 544 |
| Total domestic deposits to total assets | 82.7614% | 3,202 |
| Equity capital to assets | 13.4076% | 1,027 |
| Core capital (leverage) ratio | 13.6239% | 806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,299,000 | 2,696 |
| Average earning assets | $219,532,000 | 2,661 |
| Average equity | $30,713,000 | 2,432 |
| Average total loans | $188,710,250 | 2,338 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 809 |
| Cost of funding earning assets | 1.6066% | 110 |
| Net interest margin | 3.4041% | 3,085 |
| Noninterest income to average assets | 0.2607% | 3,910 |
| Noninterest expense to average assets | 1.2625% | 4,957 |
| Loan and lease loss provision to assets | 0.1925% | 2,109 |
| Net operating income to assets | 1.4987% | 928 |
| Return on assets (ROA) | 1.4987% | 1,002 |
| Pretax return on assets | 2.0351% | 508 |
| Return on Equity (ROE) | 11.3254% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.3254% | 562 |
| Net charge-offs to loans | -0.0512% | 4,689 |
| Credit loss provision to net charge-offs | -458.3333% | 3,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1745% | 4,977 |
| Assets per employee ($millions) | 10.7244% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 1,498 |
| Loan loss allowance to noncurrent loans | 189.7790% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 1,850 |
| Noncurrent loans to loans | 0.7515% | 2,001 |
| Net loans and leases to total assets | 80.4969% | 540 |
| Net loans and leases to deposits | 97.3799% | 701 |
| Net loans and leases to core deposits | 116.4508% | 517 |
| Total domestic deposits to total assets | 82.6627% | 3,187 |
| Equity capital to assets | 13.1861% | 1,083 |
| Core capital (leverage) ratio | 13.5066% | 874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,593,333 | 2,689 |
| Average earning assets | $216,855,667 | 2,656 |
| Average equity | $30,250,667 | 2,450 |
| Average total loans | $187,455,333 | 2,330 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2102% | 648 |
| Cost of funding earning assets | 1.6905% | 137 |
| Net interest margin | 3.5198% | 2,912 |
| Noninterest income to average assets | 0.2703% | 3,916 |
| Noninterest expense to average assets | 1.4867% | 4,929 |
| Loan and lease loss provision to assets | 0.1067% | 2,349 |
| Net operating income to assets | 1.4992% | 785 |
| Return on assets (ROA) | 1.4992% | 860 |
| Pretax return on assets | 2.0131% | 437 |
| Return on Equity (ROE) | 11.3077% | 1,323 |
| Retained earnings to average equity (ytd only) | 11.3077% | 517 |
| Net charge-offs to loans | -0.0108% | 4,105 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2229% | 4,963 |
| Assets per employee ($millions) | 9.7906% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3689% | 1,813 |
| Loan loss allowance to noncurrent loans | 126.7430% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9592% | 1,387 |
| Noncurrent loans to loans | 1.0801% | 1,537 |
| Net loans and leases to total assets | 81.4320% | 513 |
| Net loans and leases to deposits | 98.8779% | 632 |
| Net loans and leases to core deposits | 119.4133% | 486 |
| Total domestic deposits to total assets | 82.3561% | 3,315 |
| Equity capital to assets | 13.4304% | 1,251 |
| Core capital (leverage) ratio | 13.5706% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $224,921,500 | 2,672 |
| Average earning assets | $213,196,500 | 2,637 |
| Average equity | $29,820,500 | 2,465 |
| Average total loans | $184,848,000 | 2,310 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4010% | 664 |
| Cost of funding earning assets | 1.7059% | 190 |
| Net interest margin | 3.6951% | 2,828 |
| Noninterest income to average assets | 0.2976% | 3,900 |
| Noninterest expense to average assets | 1.3786% | 5,049 |
| Loan and lease loss provision to assets | 0.1497% | 1,426 |
| Net operating income to assets | 1.7162% | 638 |
| Return on assets (ROA) | 1.7162% | 681 |
| Pretax return on assets | 2.2841% | 320 |
| Return on Equity (ROE) | 12.9751% | 1,174 |
| Retained earnings to average equity (ytd only) | 7.8282% | 1,034 |
| Net charge-offs to loans | 0.0849% | 1,904 |
| Credit loss provision to net charge-offs | 208.3333% | 1,275 |
| Earnings coverage of net charge-offs (x) | 33.8718% | 1,461 |
| Efficiency ratio | 36.1604% | 5,106 |
| Assets per employee ($millions) | 10.2118% | 342 |
| Cash dividends to net income (ytd only)* | 39.6672% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 1,712 |
| Loan loss allowance to noncurrent loans | 143.4355% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 1,679 |
| Noncurrent loans to loans | 0.9408% | 1,627 |
| Net loans and leases to total assets | 80.6997% | 701 |
| Net loans and leases to deposits | 96.7620% | 864 |
| Net loans and leases to core deposits | 117.0040% | 562 |
| Total domestic deposits to total assets | 83.4002% | 3,073 |
| Equity capital to assets | 13.0856% | 1,470 |
| Core capital (leverage) ratio | 13.1670% | 1,162 |
| Tier 1 risk-based capital ratio | 14.7007% | 2,906 |
| Total risk-based capital ratio | 15.9409% | 2,825 |
| Memoranda: | ||
| Average total assets | $217,105,200 | 2,689 |
| Average earning assets | $206,517,000 | 2,641 |
| Average equity | $28,716,600 | 2,461 |
| Average total loans | $183,843,800 | 2,279 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 693 |
| Cost of funding earning assets | 1.6847% | 211 |
| Net interest margin | 3.7152% | 2,867 |
| Noninterest income to average assets | 0.2906% | 3,995 |
| Noninterest expense to average assets | 1.3147% | 5,138 |
| Loan and lease loss provision to assets | 0.1425% | 1,348 |
| Net operating income to assets | 1.7570% | 668 |
| Return on assets (ROA) | 1.7570% | 705 |
| Pretax return on assets | 2.3747% | 323 |
| Return on Equity (ROE) | 13.2460% | 1,194 |
| Retained earnings to average equity (ytd only) | 13.2460% | 260 |
| Net charge-offs to loans | -0.0674% | 4,901 |
| Credit loss provision to net charge-offs | -247.3118% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3088% | 5,194 |
| Assets per employee ($millions) | 10.0039% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,489 |
| Loan loss allowance to noncurrent loans | 111.7893% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1473% | 1,132 |
| Noncurrent loans to loans | 1.2734% | 1,225 |
| Net loans and leases to total assets | 84.1348% | 340 |
| Net loans and leases to deposits | 100.9222% | 572 |
| Net loans and leases to core deposits | 122.7333% | 446 |
| Total domestic deposits to total assets | 83.3660% | 3,035 |
| Equity capital to assets | 13.6251% | 1,303 |
| Core capital (leverage) ratio | 13.6539% | 1,093 |
| Tier 1 risk-based capital ratio | 14.9609% | 2,865 |
| Total risk-based capital ratio | 16.2122% | 2,797 |
| Memoranda: | ||
| Average total assets | $215,206,500 | 2,723 |
| Average earning assets | $205,131,750 | 2,672 |
| Average equity | $28,546,250 | 2,488 |
| Average total loans | $183,859,750 | 2,303 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 809 |
| Cost of funding earning assets | 1.6329% | 242 |
| Net interest margin | 3.6716% | 3,024 |
| Noninterest income to average assets | 0.2753% | 4,096 |
| Noninterest expense to average assets | 1.2651% | 5,211 |
| Loan and lease loss provision to assets | 0.0936% | 1,979 |
| Net operating income to assets | 1.7979% | 598 |
| Return on assets (ROA) | 1.7979% | 624 |
| Pretax return on assets | 2.4160% | 280 |
| Return on Equity (ROE) | 13.6820% | 1,059 |
| Retained earnings to average equity (ytd only) | 13.6820% | 247 |
| Net charge-offs to loans | -0.0307% | 4,692 |
| Credit loss provision to net charge-offs | -357.1429% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5153% | 5,241 |
| Assets per employee ($millions) | 9.3873% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 1,928 |
| Loan loss allowance to noncurrent loans | 140.6924% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 1,689 |
| Noncurrent loans to loans | 0.9379% | 1,738 |
| Net loans and leases to total assets | 85.8616% | 224 |
| Net loans and leases to deposits | 102.6745% | 498 |
| Net loans and leases to core deposits | 124.1124% | 427 |
| Total domestic deposits to total assets | 83.6250% | 3,000 |
| Equity capital to assets | 13.4645% | 1,338 |
| Core capital (leverage) ratio | 13.4436% | 1,135 |
| Tier 1 risk-based capital ratio | 15.3123% | 2,704 |
| Total risk-based capital ratio | 16.5627% | 2,637 |
| Memoranda: | ||
| Average total assets | $213,580,000 | 2,748 |
| Average earning assets | $203,560,330 | 2,699 |
| Average equity | $28,066,000 | 2,508 |
| Average total loans | $182,532,000 | 2,321 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1773% | 949 |
| Cost of funding earning assets | 1.5756% | 246 |
| Net interest margin | 3.6017% | 3,240 |
| Noninterest income to average assets | 0.2467% | 4,244 |
| Noninterest expense to average assets | 1.4745% | 5,186 |
| Loan and lease loss provision to assets | 0.0942% | 1,850 |
| Net operating income to assets | 1.5536% | 999 |
| Return on assets (ROA) | 1.5536% | 1,027 |
| Pretax return on assets | 2.0959% | 531 |
| Return on Equity (ROE) | 11.9724% | 1,537 |
| Retained earnings to average equity (ytd only) | 11.9724% | 616 |
| Net charge-offs to loans | -0.0979% | 5,025 |
| Credit loss provision to net charge-offs | -113.6364% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2364% | 5,210 |
| Assets per employee ($millions) | 9.3362% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 1,829 |
| Loan loss allowance to noncurrent loans | 143.9929% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 1,750 |
| Noncurrent loans to loans | 0.9445% | 1,771 |
| Net loans and leases to total assets | 82.5872% | 517 |
| Net loans and leases to deposits | 98.4036% | 745 |
| Net loans and leases to core deposits | 117.6499% | 592 |
| Total domestic deposits to total assets | 83.9270% | 3,070 |
| Equity capital to assets | 13.0287% | 1,435 |
| Core capital (leverage) ratio | 13.2293% | 1,176 |
| Tier 1 risk-based capital ratio | 15.3991% | 2,703 |
| Total risk-based capital ratio | 16.6502% | 2,617 |
| Memoranda: | ||
| Average total assets | $212,415,500 | 2,788 |
| Average earning assets | $201,571,000 | 2,747 |
| Average equity | $27,563,500 | 2,543 |
| Average total loans | $179,867,000 | 2,370 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0762% | 895 |
| Cost of funding earning assets | 1.2926% | 226 |
| Net interest margin | 3.7836% | 2,732 |
| Noninterest income to average assets | 0.2818% | 4,213 |
| Noninterest expense to average assets | 1.3400% | 5,287 |
| Loan and lease loss provision to assets | 0.1604% | 1,279 |
| Net operating income to assets | 1.6648% | 744 |
| Return on assets (ROA) | 1.6648% | 741 |
| Pretax return on assets | 2.3874% | 249 |
| Return on Equity (ROE) | 12.6935% | 1,470 |
| Retained earnings to average equity (ytd only) | 7.8276% | 1,316 |
| Net charge-offs to loans | 0.0469% | 2,497 |
| Credit loss provision to net charge-offs | 396.3415% | 830 |
| Earnings coverage of net charge-offs (x) | 62.9512% | 995 |
| Efficiency ratio | 34.4674% | 5,338 |
| Assets per employee ($millions) | 9.1347% | 447 |
| Cash dividends to net income (ytd only)* | 38.3338% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 2,004 |
| Loan loss allowance to noncurrent loans | 347.4151% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 3,183 |
| Noncurrent loans to loans | 0.3762% | 3,190 |
| Net loans and leases to total assets | 84.5296% | 366 |
| Net loans and leases to deposits | 101.3659% | 635 |
| Net loans and leases to core deposits | 120.5734% | 525 |
| Total domestic deposits to total assets | 83.3906% | 3,196 |
| Equity capital to assets | 12.9225% | 1,386 |
| Core capital (leverage) ratio | 13.0390% | 1,232 |
| Tier 1 risk-based capital ratio | 14.9147% | 2,866 |
| Total risk-based capital ratio | 16.1650% | 2,799 |
| Memoranda: | ||
| Average total assets | $202,606,800 | 2,836 |
| Average earning assets | $193,097,000 | 2,788 |
| Average equity | $26,572,600 | 2,535 |
| Average total loans | $174,666,800 | 2,386 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 934 |
| Cost of funding earning assets | 1.2191% | 233 |
| Net interest margin | 3.7903% | 2,685 |
| Noninterest income to average assets | 0.2750% | 4,315 |
| Noninterest expense to average assets | 1.2673% | 5,381 |
| Loan and lease loss provision to assets | 0.1661% | 1,135 |
| Net operating income to assets | 1.8153% | 585 |
| Return on assets (ROA) | 1.8153% | 587 |
| Pretax return on assets | 2.4576% | 252 |
| Return on Equity (ROE) | 13.7879% | 1,176 |
| Retained earnings to average equity (ytd only) | 13.7879% | 272 |
| Net charge-offs to loans | -0.0492% | 4,926 |
| Credit loss provision to net charge-offs | -390.6250% | 4,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5708% | 5,418 |
| Assets per employee ($millions) | 8.6944% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 1,821 |
| Loan loss allowance to noncurrent loans | 168.1250% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 2,075 |
| Noncurrent loans to loans | 0.8141% | 2,077 |
| Net loans and leases to total assets | 83.6063% | 497 |
| Net loans and leases to deposits | 99.9341% | 789 |
| Net loans and leases to core deposits | 120.2231% | 567 |
| Total domestic deposits to total assets | 83.6614% | 3,057 |
| Equity capital to assets | 13.3247% | 1,204 |
| Core capital (leverage) ratio | 13.6598% | 1,044 |
| Tier 1 risk-based capital ratio | 15.5107% | 2,650 |
| Total risk-based capital ratio | 16.7620% | 2,579 |
| Memoranda: | ||
| Average total assets | $200,734,000 | 2,879 |
| Average earning assets | $191,503,500 | 2,825 |
| Average equity | $26,428,250 | 2,557 |
| Average total loans | $173,346,750 | 2,414 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 905 |
| Cost of funding earning assets | 1.1674% | 212 |
| Net interest margin | 3.7899% | 2,596 |
| Noninterest income to average assets | 0.2797% | 4,314 |
| Noninterest expense to average assets | 1.2651% | 5,441 |
| Loan and lease loss provision to assets | 0.1111% | 1,776 |
| Net operating income to assets | 1.8769% | 496 |
| Return on assets (ROA) | 1.8769% | 490 |
| Pretax return on assets | 2.5191% | 219 |
| Return on Equity (ROE) | 14.3167% | 1,004 |
| Retained earnings to average equity (ytd only) | 14.3167% | 250 |
| Net charge-offs to loans | -0.0709% | 5,043 |
| Credit loss provision to net charge-offs | -180.3279% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.4780% | 5,480 |
| Assets per employee ($millions) | 8.4427% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,254 |
| Loan loss allowance to noncurrent loans | 340.6577% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 3,355 |
| Noncurrent loans to loans | 0.3764% | 3,345 |
| Net loans and leases to total assets | 86.5846% | 222 |
| Net loans and leases to deposits | 103.5863% | 549 |
| Net loans and leases to core deposits | 120.2819% | 556 |
| Total domestic deposits to total assets | 83.5869% | 3,223 |
| Equity capital to assets | 13.2901% | 1,190 |
| Core capital (leverage) ratio | 13.6421% | 1,018 |
| Tier 1 risk-based capital ratio | 14.9914% | 2,879 |
| Total risk-based capital ratio | 16.2417% | 2,799 |
| Memoranda: | ||
| Average total assets | $198,090,330 | 2,918 |
| Average earning assets | $188,975,000 | 2,863 |
| Average equity | $25,969,670 | 2,591 |
| Average total loans | $172,169,670 | 2,429 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 909 |
| Cost of funding earning assets | 1.1489% | 179 |
| Net interest margin | 3.7295% | 2,695 |
| Noninterest income to average assets | 0.2737% | 4,340 |
| Noninterest expense to average assets | 1.4707% | 5,420 |
| Loan and lease loss provision to assets | 0.0613% | 2,553 |
| Net operating income to assets | 1.7117% | 673 |
| Return on assets (ROA) | 1.7117% | 681 |
| Pretax return on assets | 2.2960% | 322 |
| Return on Equity (ROE) | 13.1503% | 1,219 |
| Retained earnings to average equity (ytd only) | 13.1503% | 500 |
| Net charge-offs to loans | -0.0897% | 5,167 |
| Credit loss provision to net charge-offs | -78.9474% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4205% | 5,484 |
| Assets per employee ($millions) | 8.2755% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,422 |
| Loan loss allowance to noncurrent loans | 176.1943% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 2,450 |
| Noncurrent loans to loans | 0.7186% | 2,416 |
| Net loans and leases to total assets | 85.4395% | 303 |
| Net loans and leases to deposits | 98.5018% | 824 |
| Net loans and leases to core deposits | 115.0171% | 760 |
| Total domestic deposits to total assets | 86.7390% | 2,225 |
| Equity capital to assets | 13.0450% | 1,220 |
| Core capital (leverage) ratio | 13.2985% | 1,070 |
| Tier 1 risk-based capital ratio | 14.9087% | 2,909 |
| Total risk-based capital ratio | 16.1586% | 2,843 |
| Memoranda: | ||
| Average total assets | $195,823,000 | 2,971 |
| Average earning assets | $186,618,000 | 2,926 |
| Average equity | $25,490,000 | 2,657 |
| Average total loans | $169,394,000 | 2,482 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7198% | 1,152 |
| Cost of funding earning assets | 1.1430% | 100 |
| Net interest margin | 3.5768% | 3,244 |
| Noninterest income to average assets | 0.3022% | 4,292 |
| Noninterest expense to average assets | 1.3822% | 5,528 |
| Loan and lease loss provision to assets | 0.2279% | 858 |
| Net operating income to assets | 1.3449% | 1,126 |
| Return on assets (ROA) | 1.3449% | 1,153 |
| Pretax return on assets | 2.1233% | 376 |
| Return on Equity (ROE) | 10.7836% | 1,559 |
| Retained earnings to average equity (ytd only) | 7.5600% | 901 |
| Net charge-offs to loans | 0.1433% | 1,641 |
| Credit loss provision to net charge-offs | 190.1709% | 1,434 |
| Earnings coverage of net charge-offs (x) | 19.6197% | 2,016 |
| Efficiency ratio | 37.0233% | 5,569 |
| Assets per employee ($millions) | 8.0430% | 632 |
| Cash dividends to net income (ytd only)* | 29.8934% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,411 |
| Loan loss allowance to noncurrent loans | 394.7566% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 3,783 |
| Noncurrent loans to loans | 0.3199% | 3,627 |
| Net loans and leases to total assets | 85.3792% | 303 |
| Net loans and leases to deposits | 98.7708% | 844 |
| Net loans and leases to core deposits | 115.1664% | 752 |
| Total domestic deposits to total assets | 86.4417% | 2,259 |
| Equity capital to assets | 12.9879% | 1,272 |
| Core capital (leverage) ratio | 12.9931% | 1,143 |
| Tier 1 risk-based capital ratio | 14.8504% | 2,907 |
| Total risk-based capital ratio | 16.0990% | 2,846 |
| Memoranda: | ||
| Average total assets | $195,261,400 | 2,968 |
| Average earning assets | $187,318,200 | 2,889 |
| Average equity | $24,351,800 | 2,728 |
| Average total loans | $163,274,400 | 2,502 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 1,246 |
| Cost of funding earning assets | 1.1440% | 91 |
| Net interest margin | 3.5051% | 3,490 |
| Noninterest income to average assets | 0.3084% | 4,319 |
| Noninterest expense to average assets | 1.3127% | 5,609 |
| Loan and lease loss provision to assets | 0.1770% | 1,138 |
| Net operating income to assets | 1.3556% | 1,190 |
| Return on assets (ROA) | 1.3556% | 1,210 |
| Pretax return on assets | 2.1877% | 376 |
| Return on Equity (ROE) | 10.9821% | 1,708 |
| Retained earnings to average equity (ytd only) | 10.9821% | 418 |
| Net charge-offs to loans | -0.0090% | 4,608 |
| Credit loss provision to net charge-offs | -2,363.6364% | 5,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6971% | 5,644 |
| Assets per employee ($millions) | 7.8724% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,240 |
| Loan loss allowance to noncurrent loans | 365.1515% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 3,807 |
| Noncurrent loans to loans | 0.3629% | 3,653 |
| Net loans and leases to total assets | 85.4958% | 295 |
| Net loans and leases to deposits | 98.8163% | 841 |
| Net loans and leases to core deposits | 117.0816% | 702 |
| Total domestic deposits to total assets | 86.5199% | 2,092 |
| Equity capital to assets | 13.3494% | 1,227 |
| Core capital (leverage) ratio | 13.1459% | 1,150 |
| Tier 1 risk-based capital ratio | 15.2119% | 2,833 |
| Total risk-based capital ratio | 16.4628% | 2,760 |
| Memoranda: | ||
| Average total assets | $195,818,500 | 2,991 |
| Average earning assets | $188,217,500 | 2,912 |
| Average equity | $24,172,000 | 2,765 |
| Average total loans | $162,363,500 | 2,531 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 1,470 |
| Cost of funding earning assets | 1.0988% | 101 |
| Net interest margin | 3.4209% | 3,695 |
| Noninterest income to average assets | 0.2907% | 4,478 |
| Noninterest expense to average assets | 1.3094% | 5,670 |
| Loan and lease loss provision to assets | 0.2221% | 790 |
| Net operating income to assets | 1.2821% | 1,349 |
| Return on assets (ROA) | 1.2821% | 1,374 |
| Pretax return on assets | 2.0564% | 488 |
| Return on Equity (ROE) | 10.6624% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.6624% | 486 |
| Net charge-offs to loans | 0.0148% | 2,949 |
| Credit loss provision to net charge-offs | 1,833.3333% | 229 |
| Earnings coverage of net charge-offs (x) | 188.0833% | 431 |
| Efficiency ratio | 36.4941% | 5,690 |
| Assets per employee ($millions) | 8.2433% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,453 |
| Loan loss allowance to noncurrent loans | 136.3107% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 2,238 |
| Noncurrent loans to loans | 0.9475% | 2,059 |
| Net loans and leases to total assets | 81.3560% | 762 |
| Net loans and leases to deposits | 94.1235% | 1,248 |
| Net loans and leases to core deposits | 111.1278% | 946 |
| Total domestic deposits to total assets | 86.4354% | 2,181 |
| Equity capital to assets | 12.3844% | 1,679 |
| Core capital (leverage) ratio | 12.3517% | 1,441 |
| Tier 1 risk-based capital ratio | 14.8453% | 2,996 |
| Total risk-based capital ratio | 16.0959% | 2,919 |
| Memoranda: | ||
| Average total assets | $198,112,000 | 2,983 |
| Average earning assets | $190,941,670 | 2,898 |
| Average equity | $23,822,000 | 2,801 |
| Average total loans | $161,917,000 | 2,532 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 1,415 |
| Cost of funding earning assets | 1.0887% | 101 |
| Net interest margin | 3.3942% | 3,671 |
| Noninterest income to average assets | 0.2825% | 4,529 |
| Noninterest expense to average assets | 1.5455% | 5,605 |
| Loan and lease loss provision to assets | 0.3430% | 354 |
| Net operating income to assets | 1.0189% | 2,229 |
| Return on assets (ROA) | 1.0189% | 2,281 |
| Pretax return on assets | 1.6585% | 1,099 |
| Return on Equity (ROE) | 8.6022% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.6022% | 1,234 |
| Net charge-offs to loans | 0.0248% | 2,264 |
| Credit loss provision to net charge-offs | 1,700.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 99.2000% | 536 |
| Efficiency ratio | 43.5722% | 5,608 |
| Assets per employee ($millions) | 8.2220% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 2,608 |
| Loan loss allowance to noncurrent loans | 935.4545% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 4,823 |
| Noncurrent loans to loans | 0.1374% | 4,643 |
| Net loans and leases to total assets | 80.1032% | 816 |
| Net loans and leases to deposits | 92.3736% | 1,287 |
| Net loans and leases to core deposits | 110.3859% | 861 |
| Total domestic deposits to total assets | 86.7165% | 2,351 |
| Equity capital to assets | 12.0282% | 1,814 |
| Core capital (leverage) ratio | 11.9879% | 1,639 |
| Tier 1 risk-based capital ratio | 14.7015% | 3,114 |
| Total risk-based capital ratio | 15.9521% | 3,038 |
| Memoranda: | ||
| Average total assets | $198,249,000 | 3,015 |
| Average earning assets | $190,677,500 | 2,922 |
| Average equity | $23,482,500 | 2,843 |
| Average total loans | $161,346,000 | 2,560 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 1,061 |
| Cost of funding earning assets | 1.1012% | 101 |
| Net interest margin | 3.5979% | 3,072 |
| Noninterest income to average assets | 0.2997% | 4,591 |
| Noninterest expense to average assets | 1.3453% | 5,798 |
| Loan and lease loss provision to assets | 0.1691% | 1,445 |
| Net operating income to assets | 1.4260% | 955 |
| Return on assets (ROA) | 1.4260% | 980 |
| Pretax return on assets | 2.2323% | 307 |
| Return on Equity (ROE) | 12.2616% | 1,180 |
| Retained earnings to average equity (ytd only) | 9.3673% | 516 |
| Net charge-offs to loans | 0.2012% | 1,382 |
| Credit loss provision to net charge-offs | 99.0854% | 2,627 |
| Earnings coverage of net charge-offs (x) | 14.0732% | 2,316 |
| Efficiency ratio | 35.9067% | 5,828 |
| Assets per employee ($millions) | 8.6596% | 476 |
| Cash dividends to net income (ytd only)* | 23.6045% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 3,325 |
| Loan loss allowance to noncurrent loans | 189.7000% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 3,249 |
| Noncurrent loans to loans | 0.6151% | 3,005 |
| Net loans and leases to total assets | 80.6703% | 788 |
| Net loans and leases to deposits | 92.5673% | 1,364 |
| Net loans and leases to core deposits | 109.4139% | 935 |
| Total domestic deposits to total assets | 87.1477% | 2,058 |
| Equity capital to assets | 11.6634% | 2,032 |
| Core capital (leverage) ratio | 11.9925% | 1,605 |
| Tier 1 risk-based capital ratio | 14.2415% | 3,321 |
| Total risk-based capital ratio | 15.4045% | 3,300 |
| Memoranda: | ||
| Average total assets | $192,221,400 | 3,043 |
| Average earning assets | $184,162,200 | 2,968 |
| Average equity | $22,354,400 | 2,956 |
| Average total loans | $163,029,000 | 2,489 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 1,027 |
| Cost of funding earning assets | 1.0990% | 96 |
| Net interest margin | 3.6242% | 2,990 |
| Noninterest income to average assets | 0.2989% | 4,625 |
| Noninterest expense to average assets | 1.3271% | 5,854 |
| Loan and lease loss provision to assets | 0.1365% | 1,720 |
| Net operating income to assets | 1.4265% | 1,011 |
| Return on assets (ROA) | 1.4265% | 1,065 |
| Pretax return on assets | 2.3091% | 309 |
| Return on Equity (ROE) | 12.2756% | 1,241 |
| Retained earnings to average equity (ytd only) | 12.2756% | 272 |
| Net charge-offs to loans | 0.0866% | 2,099 |
| Credit loss provision to net charge-offs | 183.9623% | 1,527 |
| Earnings coverage of net charge-offs (x) | 32.9622% | 1,407 |
| Efficiency ratio | 35.1763% | 5,895 |
| Assets per employee ($millions) | 8.6015% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 3,278 |
| Loan loss allowance to noncurrent loans | 186.1423% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 3,201 |
| Noncurrent loans to loans | 0.6415% | 3,097 |
| Net loans and leases to total assets | 86.9346% | 188 |
| Net loans and leases to deposits | 100.3814% | 683 |
| Net loans and leases to core deposits | 120.2604% | 496 |
| Total domestic deposits to total assets | 86.6043% | 2,082 |
| Equity capital to assets | 12.2463% | 1,942 |
| Core capital (leverage) ratio | 12.1367% | 1,580 |
| Tier 1 risk-based capital ratio | 13.8210% | 3,654 |
| Total risk-based capital ratio | 15.0067% | 3,621 |
| Memoranda: | ||
| Average total assets | $190,484,250 | 3,067 |
| Average earning assets | $182,584,000 | 3,004 |
| Average equity | $22,135,500 | 2,997 |
| Average total loans | $163,144,250 | 2,489 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6588% | 1,149 |
| Cost of funding earning assets | 1.0808% | 99 |
| Net interest margin | 3.5780% | 3,183 |
| Noninterest income to average assets | 0.3038% | 4,619 |
| Noninterest expense to average assets | 1.3462% | 5,923 |
| Loan and lease loss provision to assets | 0.1310% | 1,745 |
| Net operating income to assets | 1.3923% | 1,069 |
| Return on assets (ROA) | 1.3923% | 1,134 |
| Pretax return on assets | 2.2567% | 336 |
| Return on Equity (ROE) | 12.1986% | 1,245 |
| Retained earnings to average equity (ytd only) | 12.1986% | 298 |
| Net charge-offs to loans | 0.1000% | 1,833 |
| Credit loss provision to net charge-offs | 154.3210% | 1,556 |
| Earnings coverage of net charge-offs (x) | 28.1358% | 1,435 |
| Efficiency ratio | 36.0550% | 5,965 |
| Assets per employee ($millions) | 8.7321% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 3,490 |
| Loan loss allowance to noncurrent loans | 135.1878% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 2,728 |
| Noncurrent loans to loans | 0.8697% | 2,569 |
| Net loans and leases to total assets | 85.0583% | 323 |
| Net loans and leases to deposits | 97.5663% | 923 |
| Net loans and leases to core deposits | 115.5428% | 652 |
| Total domestic deposits to total assets | 87.1801% | 1,821 |
| Equity capital to assets | 11.6940% | 2,363 |
| Core capital (leverage) ratio | 11.7850% | 1,787 |
| Tier 1 risk-based capital ratio | 13.5928% | 3,839 |
| Total risk-based capital ratio | 14.7691% | 3,797 |
| Memoranda: | ||
| Average total assets | $190,901,330 | 3,077 |
| Average earning assets | $183,006,670 | 3,008 |
| Average equity | $21,789,330 | 3,034 |
| Average total loans | $162,026,670 | 2,508 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6758% | 1,101 |
| Cost of funding earning assets | 1.0826% | 103 |
| Net interest margin | 3.5932% | 3,114 |
| Noninterest income to average assets | 0.3321% | 4,357 |
| Noninterest expense to average assets | 1.4609% | 5,930 |
| Loan and lease loss provision to assets | 0.1261% | 1,684 |
| Net operating income to assets | 1.3263% | 1,195 |
| Return on assets (ROA) | 1.3263% | 1,277 |
| Pretax return on assets | 2.1776% | 397 |
| Return on Equity (ROE) | 11.7661% | 1,382 |
| Retained earnings to average equity (ytd only) | 11.7661% | 537 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8051% | 5,986 |
| Assets per employee ($millions) | 8.5834% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 3,363 |
| Loan loss allowance to noncurrent loans | 242.9988% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 3,879 |
| Noncurrent loans to loans | 0.5017% | 3,673 |
| Net loans and leases to total assets | 84.1380% | 361 |
| Net loans and leases to deposits | 96.5502% | 886 |
| Net loans and leases to core deposits | 114.3242% | 656 |
| Total domestic deposits to total assets | 87.1443% | 2,137 |
| Equity capital to assets | 11.5270% | 2,422 |
| Core capital (leverage) ratio | 11.4654% | 1,998 |
| Tier 1 risk-based capital ratio | 13.5455% | 3,952 |
| Total risk-based capital ratio | 14.7658% | 3,894 |
| Memoranda: | ||
| Average total assets | $190,298,500 | 3,088 |
| Average earning assets | $181,786,000 | 3,028 |
| Average equity | $21,451,500 | 3,069 |
| Average total loans | $160,366,500 | 2,521 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8716% | 823 |
| Cost of funding earning assets | 1.0272% | 146 |
| Net interest margin | 3.8444% | 2,218 |
| Noninterest income to average assets | 0.3290% | 4,547 |
| Noninterest expense to average assets | 1.4752% | 5,997 |
| Loan and lease loss provision to assets | 0.0973% | 2,366 |
| Net operating income to assets | 1.5101% | 848 |
| Return on assets (ROA) | 1.5101% | 879 |
| Pretax return on assets | 2.4314% | 230 |
| Return on Equity (ROE) | 12.9766% | 1,064 |
| Retained earnings to average equity (ytd only) | 9.8001% | 491 |
| Net charge-offs to loans | 0.0046% | 4,284 |
| Credit loss provision to net charge-offs | 2,428.5714% | 143 |
| Earnings coverage of net charge-offs (x) | 631.2857% | 103 |
| Efficiency ratio | 36.8444% | 6,102 |
| Assets per employee ($millions) | 8.7165% | 428 |
| Cash dividends to net income (ytd only)* | 24.4790% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 3,549 |
| Loan loss allowance to noncurrent loans | 268.7412% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 4,118 |
| Noncurrent loans to loans | 0.4422% | 3,885 |
| Net loans and leases to total assets | 82.3886% | 556 |
| Net loans and leases to deposits | 95.5980% | 1,060 |
| Net loans and leases to core deposits | 112.9202% | 728 |
| Total domestic deposits to total assets | 86.1824% | 2,550 |
| Equity capital to assets | 11.0220% | 2,794 |
| Core capital (leverage) ratio | 11.3269% | 2,107 |
| Tier 1 risk-based capital ratio | 13.2462% | 4,141 |
| Total risk-based capital ratio | 14.4369% | 4,104 |
| Memoranda: | ||
| Average total assets | $174,755,000 | 3,235 |
| Average earning assets | $167,050,200 | 3,164 |
| Average equity | $20,336,600 | 3,140 |
| Average total loans | $152,316,200 | 2,564 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 706 |
| Cost of funding earning assets | 1.0262% | 158 |
| Net interest margin | 3.9107% | 1,997 |
| Noninterest income to average assets | 0.3363% | 4,536 |
| Noninterest expense to average assets | 1.3685% | 6,117 |
| Loan and lease loss provision to assets | 0.0860% | 2,441 |
| Net operating income to assets | 1.6156% | 746 |
| Return on assets (ROA) | 1.6156% | 773 |
| Pretax return on assets | 2.6157% | 203 |
| Return on Equity (ROE) | 13.6795% | 967 |
| Retained earnings to average equity (ytd only) | 13.6795% | 229 |
| Net charge-offs to loans | -0.0213% | 5,225 |
| Credit loss provision to net charge-offs | -458.3333% | 5,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6215% | 6,201 |
| Assets per employee ($millions) | 7.9047% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 3,692 |
| Loan loss allowance to noncurrent loans | 305.2202% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 4,364 |
| Noncurrent loans to loans | 0.3914% | 4,213 |
| Net loans and leases to total assets | 88.9916% | 92 |
| Net loans and leases to deposits | 106.6825% | 343 |
| Net loans and leases to core deposits | 122.9220% | 402 |
| Total domestic deposits to total assets | 83.4173% | 3,648 |
| Equity capital to assets | 12.1958% | 1,965 |
| Core capital (leverage) ratio | 12.2817% | 1,526 |
| Tier 1 risk-based capital ratio | 13.6626% | 4,046 |
| Total risk-based capital ratio | 14.8679% | 4,002 |
| Memoranda: | ||
| Average total assets | $170,503,250 | 3,321 |
| Average earning assets | $162,798,500 | 3,241 |
| Average equity | $20,136,750 | 3,190 |
| Average total loans | $150,422,750 | 2,602 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 770 |
| Cost of funding earning assets | 1.0293% | 149 |
| Net interest margin | 3.8484% | 2,144 |
| Noninterest income to average assets | 0.3176% | 4,681 |
| Noninterest expense to average assets | 1.3733% | 6,186 |
| Loan and lease loss provision to assets | 0.0827% | 2,461 |
| Net operating income to assets | 1.5434% | 837 |
| Return on assets (ROA) | 1.5434% | 869 |
| Pretax return on assets | 2.5306% | 243 |
| Return on Equity (ROE) | 13.2158% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.2158% | 290 |
| Net charge-offs to loans | -0.0391% | 5,443 |
| Credit loss provision to net charge-offs | -241.3793% | 5,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4491% | 6,271 |
| Assets per employee ($millions) | 7.7182% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,861 |
| Loan loss allowance to noncurrent loans | 375.4601% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 4,723 |
| Noncurrent loans to loans | 0.3163% | 4,559 |
| Net loans and leases to total assets | 89.9677% | 66 |
| Net loans and leases to deposits | 103.8864% | 457 |
| Net loans and leases to core deposits | 118.4921% | 510 |
| Total domestic deposits to total assets | 86.6020% | 2,374 |
| Equity capital to assets | 12.0435% | 1,989 |
| Core capital (leverage) ratio | 12.1141% | 1,592 |
| Tier 1 risk-based capital ratio | 13.4164% | 4,267 |
| Total risk-based capital ratio | 14.6210% | 4,230 |
| Memoranda: | ||
| Average total assets | $169,369,670 | 3,362 |
| Average earning assets | $161,468,000 | 3,286 |
| Average equity | $19,779,330 | 3,235 |
| Average total loans | $148,353,330 | 2,643 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7845% | 889 |
| Cost of funding earning assets | 1.0389% | 143 |
| Net interest margin | 3.7455% | 2,448 |
| Noninterest income to average assets | 0.2932% | 4,826 |
| Noninterest expense to average assets | 1.4969% | 6,180 |
| Loan and lease loss provision to assets | 0.0709% | 2,520 |
| Net operating income to assets | 1.4188% | 997 |
| Return on assets (ROA) | 1.4188% | 1,052 |
| Pretax return on assets | 2.2890% | 332 |
| Return on Equity (ROE) | 12.3431% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.3431% | 524 |
| Net charge-offs to loans | -0.0303% | 5,258 |
| Credit loss provision to net charge-offs | -272.7273% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8105% | 6,286 |
| Assets per employee ($millions) | 7.7006% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 3,843 |
| Loan loss allowance to noncurrent loans | 390.5495% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 4,872 |
| Noncurrent loans to loans | 0.3122% | 4,672 |
| Net loans and leases to total assets | 84.9775% | 249 |
| Net loans and leases to deposits | 97.8169% | 687 |
| Net loans and leases to core deposits | 108.7153% | 798 |
| Total domestic deposits to total assets | 86.8741% | 2,440 |
| Equity capital to assets | 11.6544% | 2,337 |
| Core capital (leverage) ratio | 11.7222% | 1,836 |
| Tier 1 risk-based capital ratio | 12.9542% | 4,629 |
| Total risk-based capital ratio | 14.1201% | 4,593 |
| Memoranda: | ||
| Average total assets | $169,154,000 | 3,378 |
| Average earning assets | $160,938,000 | 3,309 |
| Average equity | $19,444,000 | 3,296 |
| Average total loans | $145,229,000 | 2,687 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 1,041 |
| Cost of funding earning assets | 1.0814% | 150 |
| Net interest margin | 3.7543% | 2,798 |
| Noninterest income to average assets | 0.3416% | 4,658 |
| Noninterest expense to average assets | 1.4454% | 6,330 |
| Loan and lease loss provision to assets | 0.1176% | 2,214 |
| Net operating income to assets | 1.5587% | 784 |
| Return on assets (ROA) | 1.5587% | 810 |
| Pretax return on assets | 2.3359% | 256 |
| Return on Equity (ROE) | 13.7223% | 987 |
| Retained earnings to average equity (ytd only) | 10.1977% | 484 |
| Net charge-offs to loans | 0.0316% | 4,196 |
| Credit loss provision to net charge-offs | 441.8605% | 590 |
| Earnings coverage of net charge-offs (x) | 92.2093% | 564 |
| Efficiency ratio | 37.0735% | 6,431 |
| Assets per employee ($millions) | 7.0373% | 833 |
| Cash dividends to net income (ytd only)* | 25.6848% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,988 |
| Loan loss allowance to noncurrent loans | 401.3857% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 5,005 |
| Noncurrent loans to loans | 0.2992% | 4,772 |
| Net loans and leases to total assets | 84.6561% | 301 |
| Net loans and leases to deposits | 97.0494% | 827 |
| Net loans and leases to core deposits | 107.6260% | 913 |
| Total domestic deposits to total assets | 87.2299% | 2,157 |
| Equity capital to assets | 11.3349% | 2,577 |
| Core capital (leverage) ratio | 11.6141% | 1,891 |
| Tier 1 risk-based capital ratio | 13.3165% | 4,533 |
| Total risk-based capital ratio | 14.5255% | 4,476 |
| Memoranda: | ||
| Average total assets | $161,610,800 | 3,467 |
| Average earning assets | $153,129,800 | 3,391 |
| Average equity | $18,357,000 | 3,364 |
| Average total loans | $136,259,800 | 2,755 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 1,041 |
| Cost of funding earning assets | 1.0933% | 150 |
| Net interest margin | 3.7436% | 2,843 |
| Noninterest income to average assets | 0.3538% | 4,610 |
| Noninterest expense to average assets | 1.3326% | 6,440 |
| Loan and lease loss provision to assets | 0.1001% | 2,367 |
| Net operating income to assets | 1.5178% | 903 |
| Return on assets (ROA) | 1.5178% | 942 |
| Pretax return on assets | 2.4640% | 225 |
| Return on Equity (ROE) | 13.3548% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.3548% | 293 |
| Net charge-offs to loans | 0.0328% | 3,828 |
| Credit loss provision to net charge-offs | 363.6364% | 775 |
| Earnings coverage of net charge-offs (x) | 93.1189% | 621 |
| Efficiency ratio | 34.1970% | 6,518 |
| Assets per employee ($millions) | 6.7050% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 4,232 |
| Loan loss allowance to noncurrent loans | 314.0449% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 4,941 |
| Noncurrent loans to loans | 0.3816% | 4,769 |
| Net loans and leases to total assets | 85.9265% | 200 |
| Net loans and leases to deposits | 99.2350% | 656 |
| Net loans and leases to core deposits | 110.9415% | 710 |
| Total domestic deposits to total assets | 86.5889% | 2,535 |
| Equity capital to assets | 11.8631% | 2,185 |
| Core capital (leverage) ratio | 11.8747% | 1,773 |
| Tier 1 risk-based capital ratio | 13.7627% | 4,379 |
| Total risk-based capital ratio | 14.9717% | 4,338 |
| Memoranda: | ||
| Average total assets | $159,789,750 | 3,520 |
| Average earning assets | $151,222,750 | 3,443 |
| Average equity | $18,160,250 | 3,396 |
| Average total loans | $134,145,250 | 2,804 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 1,242 |
| Cost of funding earning assets | 1.0907% | 154 |
| Net interest margin | 3.6318% | 3,226 |
| Noninterest income to average assets | 0.3400% | 4,708 |
| Noninterest expense to average assets | 1.3048% | 6,521 |
| Loan and lease loss provision to assets | 0.0753% | 2,770 |
| Net operating income to assets | 1.4955% | 875 |
| Return on assets (ROA) | 1.4955% | 907 |
| Pretax return on assets | 2.4063% | 252 |
| Return on Equity (ROE) | 13.3555% | 1,081 |
| Retained earnings to average equity (ytd only) | 13.3555% | 305 |
| Net charge-offs to loans | 0.0348% | 3,513 |
| Credit loss provision to net charge-offs | 260.8696% | 960 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 620 |
| Efficiency ratio | 34.4599% | 6,585 |
| Assets per employee ($millions) | 6.6975% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 4,448 |
| Loan loss allowance to noncurrent loans | 328.6869% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 5,139 |
| Noncurrent loans to loans | 0.3634% | 4,904 |
| Net loans and leases to total assets | 83.7322% | 319 |
| Net loans and leases to deposits | 96.2630% | 785 |
| Net loans and leases to core deposits | 107.3601% | 807 |
| Total domestic deposits to total assets | 86.9828% | 2,463 |
| Equity capital to assets | 11.4862% | 2,436 |
| Core capital (leverage) ratio | 11.4678% | 2,032 |
| Tier 1 risk-based capital ratio | 13.6610% | 4,482 |
| Total risk-based capital ratio | 14.8649% | 4,451 |
| Memoranda: | ||
| Average total assets | $159,413,330 | 3,544 |
| Average earning assets | $151,275,670 | 3,459 |
| Average equity | $17,850,330 | 3,434 |
| Average total loans | $132,210,670 | 2,828 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 1,140 |
| Cost of funding earning assets | 1.1072% | 158 |
| Net interest margin | 3.6462% | 3,076 |
| Noninterest income to average assets | 0.3200% | 4,810 |
| Noninterest expense to average assets | 1.4715% | 6,511 |
| Loan and lease loss provision to assets | 0.0756% | 2,628 |
| Net operating income to assets | 1.3732% | 1,054 |
| Return on assets (ROA) | 1.3732% | 1,094 |
| Pretax return on assets | 2.2249% | 342 |
| Return on Equity (ROE) | 12.4259% | 1,304 |
| Retained earnings to average equity (ytd only) | 12.4259% | 553 |
| Net charge-offs to loans | -0.0184% | 5,314 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0114% | 6,607 |
| Assets per employee ($millions) | 6.6391% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 4,358 |
| Loan loss allowance to noncurrent loans | 362.1381% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 5,247 |
| Noncurrent loans to loans | 0.3464% | 5,074 |
| Net loans and leases to total assets | 80.3174% | 513 |
| Net loans and leases to deposits | 92.0665% | 948 |
| Net loans and leases to core deposits | 101.2500% | 1,017 |
| Total domestic deposits to total assets | 87.2385% | 2,673 |
| Equity capital to assets | 11.1818% | 2,545 |
| Core capital (leverage) ratio | 11.2172% | 2,208 |
| Tier 1 risk-based capital ratio | 13.7911% | 4,476 |
| Total risk-based capital ratio | 15.0412% | 4,433 |
| Memoranda: | ||
| Average total assets | $158,749,500 | 3,578 |
| Average earning assets | $150,291,500 | 3,508 |
| Average equity | $17,544,000 | 3,475 |
| Average total loans | $130,206,500 | 2,874 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7882% | 1,345 |
| Cost of funding earning assets | 1.2110% | 166 |
| Net interest margin | 3.5772% | 3,564 |
| Noninterest income to average assets | 0.4836% | 3,866 |
| Noninterest expense to average assets | 1.3513% | 6,655 |
| Loan and lease loss provision to assets | 0.1072% | 3,007 |
| Net operating income to assets | 1.5102% | 802 |
| Return on assets (ROA) | 1.5102% | 843 |
| Pretax return on assets | 2.4112% | 227 |
| Return on Equity (ROE) | 14.4050% | 870 |
| Retained earnings to average equity (ytd only) | 10.5195% | 484 |
| Net charge-offs to loans | 0.0693% | 4,238 |
| Credit loss provision to net charge-offs | 197.6744% | 1,160 |
| Earnings coverage of net charge-offs (x) | 46.4419% | 843 |
| Efficiency ratio | 34.9193% | 6,738 |
| Assets per employee ($millions) | 6.8765% | 815 |
| Cash dividends to net income (ytd only)* | 26.9729% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 4,576 |
| Loan loss allowance to noncurrent loans | 311.7647% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 5,151 |
| Noncurrent loans to loans | 0.3899% | 5,033 |
| Net loans and leases to total assets | 81.7021% | 437 |
| Net loans and leases to deposits | 93.2599% | 934 |
| Net loans and leases to core deposits | 103.7154% | 927 |
| Total domestic deposits to total assets | 87.6069% | 2,414 |
| Equity capital to assets | 10.9200% | 2,686 |
| Core capital (leverage) ratio | 11.1396% | 2,249 |
| Tier 1 risk-based capital ratio | 13.2557% | 4,819 |
| Total risk-based capital ratio | 14.4761% | 4,776 |
| Memoranda: | ||
| Average total assets | $158,590,200 | 3,583 |
| Average earning assets | $150,119,200 | 3,501 |
| Average equity | $16,626,200 | 3,610 |
| Average total loans | $124,124,600 | 2,956 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 1,498 |
| Cost of funding earning assets | 1.2247% | 174 |
| Net interest margin | 3.5156% | 3,807 |
| Noninterest income to average assets | 0.5352% | 3,557 |
| Noninterest expense to average assets | 1.2527% | 6,769 |
| Loan and lease loss provision to assets | 0.1008% | 3,081 |
| Net operating income to assets | 1.5576% | 815 |
| Return on assets (ROA) | 1.5576% | 862 |
| Pretax return on assets | 2.5171% | 237 |
| Return on Equity (ROE) | 15.0133% | 796 |
| Retained earnings to average equity (ytd only) | 15.0133% | 201 |
| Net charge-offs to loans | 0.0719% | 3,908 |
| Credit loss provision to net charge-offs | 181.8182% | 1,333 |
| Earnings coverage of net charge-offs (x) | 47.2109% | 898 |
| Efficiency ratio | 32.3638% | 6,818 |
| Assets per employee ($millions) | 7.0720% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 4,811 |
| Loan loss allowance to noncurrent loans | 218.0168% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 4,846 |
| Noncurrent loans to loans | 0.5560% | 4,809 |
| Net loans and leases to total assets | 81.7688% | 385 |
| Net loans and leases to deposits | 93.6171% | 853 |
| Net loans and leases to core deposits | 103.5884% | 902 |
| Total domestic deposits to total assets | 87.3439% | 2,483 |
| Equity capital to assets | 11.1688% | 2,596 |
| Core capital (leverage) ratio | 11.0148% | 2,466 |
| Tier 1 risk-based capital ratio | 13.5116% | 4,752 |
| Total risk-based capital ratio | 14.7254% | 4,725 |
| Memoranda: | ||
| Average total assets | $158,697,750 | 3,612 |
| Average earning assets | $150,562,250 | 3,522 |
| Average equity | $16,465,000 | 3,675 |
| Average total loans | $122,453,250 | 3,010 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 1,701 |
| Cost of funding earning assets | 1.2345% | 186 |
| Net interest margin | 3.4159% | 4,131 |
| Noninterest income to average assets | 0.3694% | 4,759 |
| Noninterest expense to average assets | 1.0567% | 6,865 |
| Loan and lease loss provision to assets | 0.0876% | 3,330 |
| Net operating income to assets | 1.7842% | 539 |
| Return on assets (ROA) | 1.7842% | 575 |
| Pretax return on assets | 2.4678% | 284 |
| Return on Equity (ROE) | 17.6350% | 495 |
| Retained earnings to average equity (ytd only) | 17.6350% | 135 |
| Net charge-offs to loans | 0.0415% | 4,094 |
| Credit loss provision to net charge-offs | 280.0000% | 914 |
| Earnings coverage of net charge-offs (x) | 81.6400% | 554 |
| Efficiency ratio | 29.2548% | 6,885 |
| Assets per employee ($millions) | 7.1956% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 4,733 |
| Loan loss allowance to noncurrent loans | 127.4220% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8414% | 4,135 |
| Noncurrent loans to loans | 0.9812% | 3,976 |
| Net loans and leases to total assets | 77.4332% | 810 |
| Net loans and leases to deposits | 89.3693% | 1,203 |
| Net loans and leases to core deposits | 99.6350% | 1,110 |
| Total domestic deposits to total assets | 86.6440% | 3,035 |
| Equity capital to assets | 10.7054% | 3,052 |
| Core capital (leverage) ratio | 10.5212% | 2,857 |
| Tier 1 risk-based capital ratio | 13.5274% | 4,750 |
| Total risk-based capital ratio | 14.7662% | 4,714 |
| Memoranda: | ||
| Average total assets | $159,735,330 | 3,615 |
| Average earning assets | $151,646,000 | 3,522 |
| Average equity | $16,161,000 | 3,743 |
| Average total loans | $120,344,000 | 3,066 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6499% | 1,674 |
| Cost of funding earning assets | 1.2345% | 200 |
| Net interest margin | 3.4154% | 4,062 |
| Noninterest income to average assets | 0.3390% | 4,987 |
| Noninterest expense to average assets | 1.4733% | 6,766 |
| Loan and lease loss provision to assets | 0.1246% | 2,676 |
| Net operating income to assets | 1.2265% | 1,443 |
| Return on assets (ROA) | 1.2265% | 1,558 |
| Pretax return on assets | 1.9620% | 633 |
| Return on Equity (ROE) | 12.4810% | 1,301 |
| Retained earnings to average equity (ytd only) | 12.4810% | 632 |
| Net charge-offs to loans | -0.0743% | 6,303 |
| Credit loss provision to net charge-offs | -227.2727% | 5,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3866% | 6,847 |
| Assets per employee ($millions) | 7.2920% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 4,418 |
| Loan loss allowance to noncurrent loans | 137.5436% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 4,528 |
| Noncurrent loans to loans | 0.9895% | 4,153 |
| Net loans and leases to total assets | 71.3347% | 1,467 |
| Net loans and leases to deposits | 81.7677% | 1,860 |
| Net loans and leases to core deposits | 91.1044% | 1,598 |
| Total domestic deposits to total assets | 87.2407% | 2,802 |
| Equity capital to assets | 9.9823% | 4,170 |
| Core capital (leverage) ratio | 10.0476% | 3,317 |
| Tier 1 risk-based capital ratio | 13.4434% | 4,916 |
| Total risk-based capital ratio | 14.6942% | 4,868 |
| Memoranda: | ||
| Average total assets | $160,451,500 | 3,636 |
| Average earning assets | $151,315,000 | 3,569 |
| Average equity | $15,768,000 | 3,854 |
| Average total loans | $118,450,500 | 3,116 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1268% | 1,252 |
| Cost of funding earning assets | 1.3717% | 277 |
| Net interest margin | 3.7551% | 3,418 |
| Noninterest income to average assets | 0.3622% | 4,891 |
| Noninterest expense to average assets | 1.5048% | 6,868 |
| Loan and lease loss provision to assets | 0.1369% | 3,911 |
| Net operating income to assets | 1.4500% | 1,003 |
| Return on assets (ROA) | 1.4500% | 1,120 |
| Pretax return on assets | 2.2757% | 347 |
| Return on Equity (ROE) | 14.2115% | 953 |
| Retained earnings to average equity (ytd only) | 10.4942% | 504 |
| Net charge-offs to loans | 0.0411% | 5,345 |
| Credit loss provision to net charge-offs | 416.6667% | 579 |
| Earnings coverage of net charge-offs (x) | 73.4167% | 506 |
| Efficiency ratio | 38.4131% | 6,960 |
| Assets per employee ($millions) | 6.9773% | 773 |
| Cash dividends to net income (ytd only)* | 26.1568% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,893 |
| Loan loss allowance to noncurrent loans | 146.1688% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 4,819 |
| Noncurrent loans to loans | 0.8529% | 4,474 |
| Net loans and leases to total assets | 74.3879% | 1,140 |
| Net loans and leases to deposits | 84.8855% | 1,648 |
| Net loans and leases to core deposits | 95.0643% | 1,383 |
| Total domestic deposits to total assets | 87.6333% | 2,460 |
| Equity capital to assets | 9.6723% | 4,633 |
| Core capital (leverage) ratio | 10.1158% | 3,252 |
| Tier 1 risk-based capital ratio | 12.5897% | 5,407 |
| Total risk-based capital ratio | 13.8120% | 5,383 |
| Memoranda: | ||
| Average total assets | $146,065,400 | 3,842 |
| Average earning assets | $138,292,800 | 3,748 |
| Average equity | $14,903,400 | 3,984 |
| Average total loans | $116,901,800 | 3,146 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2269% | 1,139 |
| Cost of funding earning assets | 1.4040% | 289 |
| Net interest margin | 3.8228% | 3,235 |
| Noninterest income to average assets | 0.3884% | 4,726 |
| Noninterest expense to average assets | 1.4319% | 6,975 |
| Loan and lease loss provision to assets | 0.1217% | 4,035 |
| Net operating income to assets | 1.5274% | 974 |
| Return on assets (ROA) | 1.5274% | 1,081 |
| Pretax return on assets | 2.4558% | 318 |
| Return on Equity (ROE) | 14.7535% | 942 |
| Retained earnings to average equity (ytd only) | 14.7535% | 250 |
| Net charge-offs to loans | 0.0035% | 5,720 |
| Credit loss provision to net charge-offs | 4,333.3333% | 65 |
| Earnings coverage of net charge-offs (x) | 917.9775% | 44 |
| Efficiency ratio | 35.7143% | 7,075 |
| Assets per employee ($millions) | 6.4066% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 4,993 |
| Loan loss allowance to noncurrent loans | 99.3960% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.0519% | 4,193 |
| Noncurrent loans to loans | 1.2703% | 3,930 |
| Net loans and leases to total assets | 78.5946% | 665 |
| Net loans and leases to deposits | 91.1337% | 1,039 |
| Net loans and leases to core deposits | 103.3114% | 911 |
| Total domestic deposits to total assets | 86.2410% | 3,124 |
| Equity capital to assets | 10.5802% | 3,754 |
| Core capital (leverage) ratio | 10.7635% | 2,644 |
| Tier 1 risk-based capital ratio | 13.1936% | 5,100 |
| Total risk-based capital ratio | 14.4436% | 5,067 |
| Memoranda: | ||
| Average total assets | $142,462,000 | 3,949 |
| Average earning assets | $134,940,000 | 3,853 |
| Average equity | $14,748,750 | 4,057 |
| Average total loans | $115,906,250 | 3,204 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2305% | 1,181 |
| Cost of funding earning assets | 1.4136% | 332 |
| Net interest margin | 3.8169% | 3,283 |
| Noninterest income to average assets | 0.3707% | 4,866 |
| Noninterest expense to average assets | 1.5082% | 7,002 |
| Loan and lease loss provision to assets | 0.1420% | 3,743 |
| Net operating income to assets | 1.4656% | 1,053 |
| Return on assets (ROA) | 1.4656% | 1,188 |
| Pretax return on assets | 2.3517% | 380 |
| Return on Equity (ROE) | 14.2656% | 1,058 |
| Retained earnings to average equity (ytd only) | 14.2656% | 327 |
| Net charge-offs to loans | 0.0035% | 5,466 |
| Credit loss provision to net charge-offs | 5,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 878.0000% | 40 |
| Efficiency ratio | 37.6863% | 7,097 |
| Assets per employee ($millions) | 6.2648% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 5,259 |
| Loan loss allowance to noncurrent loans | 104.6110% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 4,445 |
| Noncurrent loans to loans | 1.1677% | 4,203 |
| Net loans and leases to total assets | 81.4852% | 373 |
| Net loans and leases to deposits | 94.3622% | 739 |
| Net loans and leases to core deposits | 106.9794% | 702 |
| Total domestic deposits to total assets | 86.3537% | 3,163 |
| Equity capital to assets | 10.4032% | 3,809 |
| Core capital (leverage) ratio | 10.4417% | 2,865 |
| Tier 1 risk-based capital ratio | 12.5730% | 5,518 |
| Total risk-based capital ratio | 13.7908% | 5,520 |
| Memoranda: | ||
| Average total assets | $140,832,330 | 3,993 |
| Average earning assets | $133,983,000 | 3,886 |
| Average equity | $14,468,330 | 4,100 |
| Average total loans | $115,444,670 | 3,227 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2272% | 1,261 |
| Cost of funding earning assets | 1.4316% | 377 |
| Net interest margin | 3.7955% | 3,414 |
| Noninterest income to average assets | 0.3736% | 4,873 |
| Noninterest expense to average assets | 1.5459% | 7,017 |
| Loan and lease loss provision to assets | 0.1149% | 3,919 |
| Net operating income to assets | 1.4310% | 1,164 |
| Return on assets (ROA) | 1.4310% | 1,307 |
| Pretax return on assets | 2.3160% | 444 |
| Return on Equity (ROE) | 14.0208% | 1,177 |
| Retained earnings to average equity (ytd only) | 14.0208% | 562 |
| Net charge-offs to loans | -0.0141% | 6,058 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8728% | 7,126 |
| Assets per employee ($millions) | 6.1634% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,340 |
| Loan loss allowance to noncurrent loans | 103.4024% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9537% | 4,599 |
| Noncurrent loans to loans | 1.1945% | 4,338 |
| Net loans and leases to total assets | 78.8585% | 505 |
| Net loans and leases to deposits | 91.0809% | 866 |
| Net loans and leases to core deposits | 102.4215% | 844 |
| Total domestic deposits to total assets | 86.5807% | 3,186 |
| Equity capital to assets | 10.1983% | 3,853 |
| Core capital (leverage) ratio | 10.4136% | 2,858 |
| Tier 1 risk-based capital ratio | 12.7145% | 5,429 |
| Total risk-based capital ratio | 13.9440% | 5,413 |
| Memoranda: | ||
| Average total assets | $139,203,500 | 4,050 |
| Average earning assets | $132,156,000 | 3,938 |
| Average equity | $14,207,500 | 4,162 |
| Average total loans | $113,735,000 | 3,282 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 1,359 |
| Cost of funding earning assets | 1.6444% | 402 |
| Net interest margin | 3.7776% | 3,937 |
| Noninterest income to average assets | 0.4352% | 4,331 |
| Noninterest expense to average assets | 1.6029% | 7,119 |
| Loan and lease loss provision to assets | 0.1198% | 5,101 |
| Net operating income to assets | 1.4583% | 911 |
| Return on assets (ROA) | 1.4583% | 987 |
| Pretax return on assets | 2.2950% | 306 |
| Return on Equity (ROE) | 14.5886% | 813 |
| Retained earnings to average equity (ytd only) | 10.9546% | 409 |
| Net charge-offs to loans | 0.0926% | 5,416 |
| Credit loss provision to net charge-offs | 156.8627% | 1,786 |
| Earnings coverage of net charge-offs (x) | 31.6078% | 812 |
| Efficiency ratio | 39.8956% | 7,212 |
| Assets per employee ($millions) | 5.9412% | 1,275 |
| Cash dividends to net income (ytd only)* | 24.9101% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,462 |
| Loan loss allowance to noncurrent loans | 184.8568% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 5,505 |
| Noncurrent loans to loans | 0.6414% | 5,429 |
| Net loans and leases to total assets | 82.6415% | 294 |
| Net loans and leases to deposits | 95.4501% | 711 |
| Net loans and leases to core deposits | 103.2286% | 951 |
| Total domestic deposits to total assets | 86.5809% | 2,990 |
| Equity capital to assets | 10.2146% | 3,890 |
| Core capital (leverage) ratio | 10.4531% | 2,783 |
| Tier 1 risk-based capital ratio | 12.3269% | 5,599 |
| Total risk-based capital ratio | 13.5236% | 5,601 |
| Memoranda: | ||
| Average total assets | $133,507,800 | 4,101 |
| Average earning assets | $126,614,600 | 4,003 |
| Average equity | $13,346,000 | 4,268 |
| Average total loans | $110,146,800 | 3,378 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4545% | 1,379 |
| Cost of funding earning assets | 1.6884% | 414 |
| Net interest margin | 3.7661% | 4,031 |
| Noninterest income to average assets | 0.4430% | 4,345 |
| Noninterest expense to average assets | 1.4948% | 7,229 |
| Loan and lease loss provision to assets | 0.1306% | 4,795 |
| Net operating income to assets | 1.4828% | 979 |
| Return on assets (ROA) | 1.4828% | 1,058 |
| Pretax return on assets | 2.3939% | 302 |
| Return on Equity (ROE) | 14.9166% | 847 |
| Retained earnings to average equity (ytd only) | 14.9166% | 234 |
| Net charge-offs to loans | 0.0257% | 5,784 |
| Credit loss provision to net charge-offs | 619.0476% | 434 |
| Earnings coverage of net charge-offs (x) | 119.6636% | 305 |
| Efficiency ratio | 37.1907% | 7,302 |
| Assets per employee ($millions) | 5.6346% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 5,361 |
| Loan loss allowance to noncurrent loans | 182.4675% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 5,522 |
| Noncurrent loans to loans | 0.6722% | 5,539 |
| Net loans and leases to total assets | 87.3058% | 97 |
| Net loans and leases to deposits | 101.7610% | 401 |
| Net loans and leases to core deposits | 109.7686% | 683 |
| Total domestic deposits to total assets | 85.7950% | 3,331 |
| Equity capital to assets | 10.7813% | 3,386 |
| Core capital (leverage) ratio | 10.6887% | 2,678 |
| Tier 1 risk-based capital ratio | 12.4501% | 5,536 |
| Total risk-based capital ratio | 13.7003% | 5,529 |
| Memoranda: | ||
| Average total assets | $132,722,750 | 4,136 |
| Average earning assets | $126,034,250 | 4,038 |
| Average equity | $13,193,000 | 4,309 |
| Average total loans | $109,112,750 | 3,432 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3055% | 1,871 |
| Cost of funding earning assets | 1.7155% | 440 |
| Net interest margin | 3.5900% | 4,757 |
| Noninterest income to average assets | 0.3977% | 4,700 |
| Noninterest expense to average assets | 1.4533% | 7,334 |
| Loan and lease loss provision to assets | 0.1495% | 4,445 |
| Net operating income to assets | 1.3621% | 1,162 |
| Return on assets (ROA) | 1.3621% | 1,232 |
| Pretax return on assets | 2.2054% | 406 |
| Return on Equity (ROE) | 14.0876% | 964 |
| Retained earnings to average equity (ytd only) | 14.0876% | 309 |
| Net charge-offs to loans | -0.0242% | 6,868 |
| Credit loss provision to net charge-offs | -769.2308% | 6,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1625% | 7,363 |
| Assets per employee ($millions) | 5.6862% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 5,126 |
| Loan loss allowance to noncurrent loans | 177.4559% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 5,291 |
| Noncurrent loans to loans | 0.7245% | 5,465 |
| Net loans and leases to total assets | 82.7178% | 323 |
| Net loans and leases to deposits | 95.7506% | 746 |
| Net loans and leases to core deposits | 103.4611% | 1,076 |
| Total domestic deposits to total assets | 86.3888% | 3,105 |
| Equity capital to assets | 10.2514% | 3,815 |
| Core capital (leverage) ratio | 10.1189% | 3,121 |
| Tier 1 risk-based capital ratio | 12.3599% | 5,466 |
| Total risk-based capital ratio | 13.6109% | 5,446 |
| Memoranda: | ||
| Average total assets | $133,765,330 | 4,152 |
| Average earning assets | $127,076,670 | 4,042 |
| Average equity | $12,933,330 | 4,357 |
| Average total loans | $107,300,670 | 3,521 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 2,299 |
| Cost of funding earning assets | 1.7466% | 453 |
| Net interest margin | 3.4342% | 5,289 |
| Noninterest income to average assets | 0.3845% | 4,834 |
| Noninterest expense to average assets | 1.5526% | 7,339 |
| Loan and lease loss provision to assets | 0.1774% | 3,847 |
| Net operating income to assets | 1.1859% | 1,559 |
| Return on assets (ROA) | 1.1859% | 1,608 |
| Pretax return on assets | 1.9282% | 641 |
| Return on Equity (ROE) | 12.6334% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.6334% | 651 |
| Net charge-offs to loans | -0.0490% | 6,873 |
| Credit loss provision to net charge-offs | -461.5385% | 5,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4414% | 7,335 |
| Assets per employee ($millions) | 5.8552% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 5,153 |
| Loan loss allowance to noncurrent loans | 95.0694% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0827% | 4,759 |
| Noncurrent loans to loans | 1.3625% | 4,434 |
| Net loans and leases to total assets | 77.4655% | 809 |
| Net loans and leases to deposits | 88.9209% | 1,360 |
| Net loans and leases to core deposits | 96.3082% | 1,649 |
| Total domestic deposits to total assets | 87.1173% | 2,884 |
| Equity capital to assets | 9.5768% | 4,337 |
| Core capital (leverage) ratio | 9.5180% | 3,781 |
| Tier 1 risk-based capital ratio | 12.1480% | 5,552 |
| Total risk-based capital ratio | 13.3988% | 5,549 |
| Memoranda: | ||
| Average total assets | $135,257,000 | 4,148 |
| Average earning assets | $128,937,500 | 4,046 |
| Average equity | $12,696,500 | 4,402 |
| Average total loans | $106,156,500 | 3,577 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5548% | 2,066 |
| Cost of funding earning assets | 2.0198% | 568 |
| Net interest margin | 3.5350% | 5,092 |
| Noninterest income to average assets | 0.4143% | 4,787 |
| Noninterest expense to average assets | 1.6084% | 7,403 |
| Loan and lease loss provision to assets | 0.1943% | 5,290 |
| Net operating income to assets | 1.2928% | 1,193 |
| Return on assets (ROA) | 1.2928% | 1,247 |
| Pretax return on assets | 1.9504% | 540 |
| Return on Equity (ROE) | 13.8560% | 916 |
| Retained earnings to average equity (ytd only) | 10.0067% | 526 |
| Net charge-offs to loans | 0.1723% | 5,289 |
| Credit loss provision to net charge-offs | 139.6648% | 2,717 |
| Earnings coverage of net charge-offs (x) | 15.4134% | 1,280 |
| Efficiency ratio | 42.8542% | 7,442 |
| Assets per employee ($millions) | 5.9063% | 1,273 |
| Cash dividends to net income (ytd only)* | 27.7811% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,435 |
| Loan loss allowance to noncurrent loans | 98.0333% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 4,983 |
| Noncurrent loans to loans | 1.2399% | 4,648 |
| Net loans and leases to total assets | 77.5340% | 1,013 |
| Net loans and leases to deposits | 88.4713% | 1,726 |
| Net loans and leases to core deposits | 95.7979% | 2,037 |
| Total domestic deposits to total assets | 87.6374% | 2,457 |
| Equity capital to assets | 9.1987% | 4,845 |
| Core capital (leverage) ratio | 9.4348% | 3,792 |
| Tier 1 risk-based capital ratio | 11.6793% | 5,745 |
| Total risk-based capital ratio | 12.8906% | 5,783 |
| Memoranda: | ||
| Average total assets | $128,637,400 | 4,304 |
| Average earning assets | $121,498,000 | 4,198 |
| Average equity | $12,002,000 | 4,601 |
| Average total loans | $103,860,600 | 3,682 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6269% | 1,959 |
| Cost of funding earning assets | 2.0896% | 559 |
| Net interest margin | 3.5373% | 5,155 |
| Noninterest income to average assets | 0.4310% | 4,710 |
| Noninterest expense to average assets | 1.5358% | 7,530 |
| Loan and lease loss provision to assets | 0.1682% | 5,362 |
| Net operating income to assets | 1.2804% | 1,379 |
| Return on assets (ROA) | 1.2804% | 1,464 |
| Pretax return on assets | 2.0583% | 550 |
| Return on Equity (ROE) | 13.6714% | 1,104 |
| Retained earnings to average equity (ytd only) | 13.6714% | 296 |
| Net charge-offs to loans | -0.0013% | 7,171 |
| Credit loss provision to net charge-offs | -16,000.0000% | 7,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8215% | 7,561 |
| Assets per employee ($millions) | 5.5908% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,945 |
| Loan loss allowance to noncurrent loans | 136.6502% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 5,490 |
| Noncurrent loans to loans | 0.9543% | 5,325 |
| Net loans and leases to total assets | 81.6390% | 544 |
| Net loans and leases to deposits | 93.8057% | 1,224 |
| Net loans and leases to core deposits | 99.0779% | 1,935 |
| Total domestic deposits to total assets | 87.0299% | 2,510 |
| Equity capital to assets | 9.7303% | 4,500 |
| Core capital (leverage) ratio | 9.6850% | 3,636 |
| Tier 1 risk-based capital ratio | 11.5074% | 5,929 |
| Total risk-based capital ratio | 12.7573% | 5,916 |
| Memoranda: | ||
| Average total assets | $126,835,500 | 4,396 |
| Average earning assets | $119,446,250 | 4,297 |
| Average equity | $11,878,500 | 4,712 |
| Average total loans | $103,170,250 | 3,758 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6147% | 2,078 |
| Cost of funding earning assets | 2.1312% | 592 |
| Net interest margin | 3.4835% | 5,309 |
| Noninterest income to average assets | 0.4087% | 4,838 |
| Noninterest expense to average assets | 1.5572% | 7,590 |
| Loan and lease loss provision to assets | 0.1584% | 5,305 |
| Net operating income to assets | 1.2008% | 1,560 |
| Return on assets (ROA) | 1.2008% | 1,628 |
| Pretax return on assets | 1.9738% | 635 |
| Return on Equity (ROE) | 12.9935% | 1,240 |
| Retained earnings to average equity (ytd only) | 12.9935% | 381 |
| Net charge-offs to loans | -0.0490% | 7,446 |
| Credit loss provision to net charge-offs | -400.0000% | 6,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2070% | 7,581 |
| Assets per employee ($millions) | 5.5580% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 4,942 |
| Loan loss allowance to noncurrent loans | 129.0353% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8190% | 5,485 |
| Noncurrent loans to loans | 1.0046% | 5,305 |
| Net loans and leases to total assets | 80.4714% | 729 |
| Net loans and leases to deposits | 92.2311% | 1,491 |
| Net loans and leases to core deposits | 97.4397% | 2,286 |
| Total domestic deposits to total assets | 87.2498% | 2,406 |
| Equity capital to assets | 9.4287% | 4,820 |
| Core capital (leverage) ratio | 9.4611% | 3,876 |
| Tier 1 risk-based capital ratio | 11.5626% | 5,708 |
| Total risk-based capital ratio | 12.8136% | 5,679 |
| Memoranda: | ||
| Average total assets | $126,251,330 | 4,437 |
| Average earning assets | $118,902,330 | 4,340 |
| Average equity | $11,667,330 | 4,767 |
| Average total loans | $102,105,330 | 3,829 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6312% | 2,024 |
| Cost of funding earning assets | 2.1130% | 781 |
| Net interest margin | 3.5182% | 5,094 |
| Noninterest income to average assets | 0.4240% | 4,706 |
| Noninterest expense to average assets | 1.8014% | 7,459 |
| Loan and lease loss provision to assets | 0.1594% | 4,937 |
| Net operating income to assets | 1.1446% | 1,690 |
| Return on assets (ROA) | 1.1446% | 1,772 |
| Pretax return on assets | 1.7599% | 957 |
| Return on Equity (ROE) | 12.5147% | 1,370 |
| Retained earnings to average equity (ytd only) | 12.5147% | 680 |
| Net charge-offs to loans | -0.0475% | 7,332 |
| Credit loss provision to net charge-offs | -416.6667% | 6,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4147% | 7,411 |
| Assets per employee ($millions) | 5.4061% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 5,059 |
| Loan loss allowance to noncurrent loans | 123.0181% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 5,420 |
| Noncurrent loans to loans | 1.0378% | 5,261 |
| Net loans and leases to total assets | 80.0975% | 835 |
| Net loans and leases to deposits | 91.8959% | 1,624 |
| Net loans and leases to core deposits | 100.2012% | 2,108 |
| Total domestic deposits to total assets | 87.1611% | 2,542 |
| Equity capital to assets | 9.3726% | 4,718 |
| Core capital (leverage) ratio | 9.2416% | 4,157 |
| Tier 1 risk-based capital ratio | 11.5535% | 5,627 |
| Total risk-based capital ratio | 12.8036% | 5,600 |
| Memoranda: | ||
| Average total assets | $125,460,500 | 4,512 |
| Average earning assets | $117,558,500 | 4,431 |
| Average equity | $11,474,500 | 4,853 |
| Average total loans | $101,048,000 | 3,925 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9778% | 1,951 |
| Cost of funding earning assets | 2.5385% | 926 |
| Net interest margin | 3.4394% | 5,219 |
| Noninterest income to average assets | 0.3994% | 5,206 |
| Noninterest expense to average assets | 1.7238% | 7,676 |
| Loan and lease loss provision to assets | 0.1640% | 6,050 |
| Net operating income to assets | 1.1100% | 1,484 |
| Return on assets (ROA) | 1.1100% | 1,518 |
| Pretax return on assets | 1.7507% | 699 |
| Return on Equity (ROE) | 12.1978% | 1,108 |
| Retained earnings to average equity (ytd only) | 9.6381% | 412 |
| Net charge-offs to loans | 0.0287% | 6,843 |
| Credit loss provision to net charge-offs | 696.4286% | 419 |
| Earnings coverage of net charge-offs (x) | 81.3214% | 335 |
| Efficiency ratio | 47.3769% | 7,656 |
| Assets per employee ($millions) | 5.5035% | 1,644 |
| Cash dividends to net income (ytd only)* | 20.9848% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,292 |
| Loan loss allowance to noncurrent loans | 151.4215% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 5,860 |
| Noncurrent loans to loans | 0.7993% | 5,685 |
| Net loans and leases to total assets | 78.9927% | 1,183 |
| Net loans and leases to deposits | 90.0445% | 2,206 |
| Net loans and leases to core deposits | 133.7950% | 1,064 |
| Total domestic deposits to total assets | 87.7263% | 2,108 |
| Equity capital to assets | 8.9232% | 5,258 |
| Core capital (leverage) ratio | 9.9527% | 3,140 |
| Tier 1 risk-based capital ratio | 11.1202% | 5,809 |
| Total risk-based capital ratio | 12.3262% | 5,807 |
| Memoranda: | ||
| Average total assets | $118,923,600 | 4,608 |
| Average earning assets | $111,996,800 | 4,511 |
| Average equity | $10,821,600 | 5,072 |
| Average total loans | $97,505,800 | 4,020 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9992% | 2,045 |
| Cost of funding earning assets | 2.6123% | 1,000 |
| Net interest margin | 3.3869% | 5,325 |
| Noninterest income to average assets | 0.3943% | 5,345 |
| Noninterest expense to average assets | 1.7058% | 7,762 |
| Loan and lease loss provision to assets | 0.1253% | 6,099 |
| Net operating income to assets | 1.0483% | 1,908 |
| Return on assets (ROA) | 1.0483% | 1,970 |
| Pretax return on assets | 1.7719% | 850 |
| Return on Equity (ROE) | 11.4604% | 1,495 |
| Retained earnings to average equity (ytd only) | 11.4604% | 419 |
| Net charge-offs to loans | -0.0055% | 7,636 |
| Credit loss provision to net charge-offs | -2,750.0000% | 7,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3435% | 7,699 |
| Assets per employee ($millions) | 5.1872% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,322 |
| Loan loss allowance to noncurrent loans | 109.8407% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 5,289 |
| Noncurrent loans to loans | 1.0604% | 5,196 |
| Net loans and leases to total assets | 83.3578% | 628 |
| Net loans and leases to deposits | 95.6728% | 1,623 |
| Net loans and leases to core deposits | 143.1636% | 791 |
| Total domestic deposits to total assets | 87.1279% | 2,114 |
| Equity capital to assets | 9.3642% | 4,936 |
| Core capital (leverage) ratio | 9.8775% | 3,426 |
| Tier 1 risk-based capital ratio | 11.0151% | 5,938 |
| Total risk-based capital ratio | 12.1707% | 5,984 |
| Memoranda: | ||
| Average total assets | $117,009,500 | 4,671 |
| Average earning assets | $110,855,750 | 4,562 |
| Average equity | $10,703,250 | 5,141 |
| Average total loans | $96,578,750 | 4,071 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9856% | 2,239 |
| Cost of funding earning assets | 2.6328% | 1,207 |
| Net interest margin | 3.3528% | 5,351 |
| Noninterest income to average assets | 0.3734% | 5,521 |
| Noninterest expense to average assets | 1.6827% | 7,851 |
| Loan and lease loss provision to assets | 0.1376% | 5,698 |
| Net operating income to assets | 1.0461% | 1,951 |
| Return on assets (ROA) | 1.0461% | 2,025 |
| Pretax return on assets | 1.7257% | 975 |
| Return on Equity (ROE) | 11.5293% | 1,550 |
| Retained earnings to average equity (ytd only) | 11.5293% | 497 |
| Net charge-offs to loans | -0.0294% | 7,773 |
| Credit loss provision to net charge-offs | -571.4286% | 7,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4527% | 7,783 |
| Assets per employee ($millions) | 4.9776% | 2,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 5,072 |
| Loan loss allowance to noncurrent loans | 68.6941% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.4038% | 4,152 |
| Noncurrent loans to loans | 1.7186% | 3,929 |
| Net loans and leases to total assets | 80.7160% | 1,185 |
| Net loans and leases to deposits | 92.3293% | 2,410 |
| Net loans and leases to core deposits | 134.4746% | 1,291 |
| Total domestic deposits to total assets | 87.4219% | 2,045 |
| Equity capital to assets | 9.0908% | 5,175 |
| Core capital (leverage) ratio | 9.0844% | 4,491 |
| Tier 1 risk-based capital ratio | 11.2478% | 5,645 |
| Total risk-based capital ratio | 12.4410% | 5,606 |
| Memoranda: | ||
| Average total assets | $116,244,330 | 4,722 |
| Average earning assets | $109,997,670 | 4,621 |
| Average equity | $10,547,000 | 5,201 |
| Average total loans | $95,231,000 | 4,135 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1028% | 1,931 |
| Cost of funding earning assets | 2.6489% | 1,416 |
| Net interest margin | 3.4540% | 4,926 |
| Noninterest income to average assets | 0.3594% | 5,567 |
| Noninterest expense to average assets | 1.8528% | 7,632 |
| Loan and lease loss provision to assets | 0.1745% | 4,716 |
| Net operating income to assets | 0.9596% | 2,483 |
| Return on assets (ROA) | 0.9596% | 2,609 |
| Pretax return on assets | 1.5807% | 1,456 |
| Return on Equity (ROE) | 10.5866% | 2,101 |
| Retained earnings to average equity (ytd only) | 10.5866% | 1,057 |
| Net charge-offs to loans | -0.0425% | 7,652 |
| Credit loss provision to net charge-offs | -500.0000% | 6,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3540% | 7,478 |
| Assets per employee ($millions) | 4.8963% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,024 |
| Loan loss allowance to noncurrent loans | 138.5378% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6867% | 5,439 |
| Noncurrent loans to loans | 0.8399% | 5,340 |
| Net loans and leases to total assets | 80.8180% | 1,235 |
| Net loans and leases to deposits | 92.5345% | 2,507 |
| Net loans and leases to core deposits | 133.3942% | 1,455 |
| Total domestic deposits to total assets | 87.3382% | 2,043 |
| Equity capital to assets | 8.9592% | 5,403 |
| Core capital (leverage) ratio | 9.2770% | 4,274 |
| Tier 1 risk-based capital ratio | 11.1290% | 5,786 |
| Total risk-based capital ratio | 12.3108% | 5,757 |
| Memoranda: | ||
| Average total assets | $114,635,500 | 4,785 |
| Average earning assets | $107,818,500 | 4,692 |
| Average equity | $10,390,500 | 5,265 |
| Average total loans | $94,058,000 | 4,210 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1210% | 883 |
| Cost of funding earning assets | 3.1574% | 1,328 |
| Net interest margin | 3.9636% | 3,293 |
| Noninterest income to average assets | 0.4496% | 5,040 |
| Noninterest expense to average assets | 1.7394% | 7,825 |
| Loan and lease loss provision to assets | 0.2315% | 4,580 |
| Net operating income to assets | 1.3863% | 1,261 |
| Return on assets (ROA) | 1.3863% | 1,208 |
| Pretax return on assets | 2.2063% | 393 |
| Return on Equity (ROE) | 14.6286% | 992 |
| Retained earnings to average equity (ytd only) | 10.8722% | 339 |
| Net charge-offs to loans | 0.0679% | 5,796 |
| Credit loss provision to net charge-offs | 400.0000% | 1,094 |
| Earnings coverage of net charge-offs (x) | 42.1167% | 875 |
| Efficiency ratio | 41.6397% | 8,081 |
| Assets per employee ($millions) | 4.6567% | 2,390 |
| Cash dividends to net income (ytd only)* | 25.6785% | 4,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 4,921 |
| Loan loss allowance to noncurrent loans | 175.7475% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 5,557 |
| Noncurrent loans to loans | 0.6541% | 5,407 |
| Net loans and leases to total assets | 81.3976% | 1,339 |
| Net loans and leases to deposits | 93.5684% | 2,843 |
| Net loans and leases to core deposits | 130.4585% | 1,821 |
| Total domestic deposits to total assets | 86.9927% | 1,940 |
| Equity capital to assets | 9.1741% | 5,119 |
| Core capital (leverage) ratio | 9.5824% | 3,905 |
| Tier 1 risk-based capital ratio | 11.3314% | 5,406 |
| Total risk-based capital ratio | 12.5007% | 5,371 |
| Memoranda: | ||
| Average total assets | $103,658,600 | 4,944 |
| Average earning assets | $97,486,600 | 4,876 |
| Average equity | $9,823,200 | 5,464 |
| Average total loans | $88,349,600 | 4,280 |