Home > State Bank of Newburg > Performance and Condition Ratios
State Bank of Newburg, 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 | 5.1964% | 1,668 |
| Cost of funding earning assets | 2.0645% | 822 |
| Net interest margin | 3.1319% | 3,024 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.5039% | 4,325 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.1983% | 1,656 |
| Return on assets (ROA) | 1.1983% | 1,635 |
| Pretax return on assets | 1.5386% | 1,344 |
| Return on Equity (ROE) | 6.9200% | 3,302 |
| Retained earnings to average equity (ytd only) | 5.2566% | 2,504 |
| Net charge-offs to loans | 0.0024% | 2,709 |
| Credit loss provision to net charge-offs | 1,840.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 836.6000% | 176 |
| Efficiency ratio | 47.6929% | 4,102 |
| Assets per employee ($millions) | 10.7246% | 577 |
| Cash dividends to net income (ytd only)* | 24.0211% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 2,930 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.0200% | 529 |
| Net loans and leases to deposits | 105.3092% | 313 |
| Net loans and leases to core deposits | 119.7916% | 628 |
| Total domestic deposits to total assets | 76.9300% | 3,853 |
| Equity capital to assets | 16.7465% | 401 |
| Core capital (leverage) ratio | 17.1173% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $253,607,400 | 2,663 |
| Average earning assets | $240,590,000 | 2,628 |
| Average equity | $43,925,800 | 1,764 |
| Average total loans | $204,523,800 | 2,256 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0113% | 1,807 |
| Cost of funding earning assets | 1.9399% | 796 |
| Net interest margin | 3.0714% | 3,199 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.5067% | 4,312 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.1009% | 2,052 |
| Return on assets (ROA) | 1.1009% | 2,036 |
| Pretax return on assets | 1.4182% | 1,738 |
| Return on Equity (ROE) | 6.3000% | 3,586 |
| Retained earnings to average equity (ytd only) | 6.2999% | 2,539 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.4812% | 4,016 |
| Assets per employee ($millions) | 10.4259% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,010 |
| Loan loss allowance to noncurrent loans | 2,023.0769% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,309 |
| Noncurrent loans to loans | 0.0628% | 3,303 |
| Net loans and leases to total assets | 78.4300% | 829 |
| Net loans and leases to deposits | 102.7829% | 398 |
| Net loans and leases to core deposits | 117.3871% | 628 |
| Total domestic deposits to total assets | 76.3100% | 3,989 |
| Equity capital to assets | 17.1324% | 390 |
| Core capital (leverage) ratio | 17.4400% | 381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $249,980,500 | 2,686 |
| Average earning assets | $237,669,000 | 2,646 |
| Average equity | $43,682,250 | 1,758 |
| Average total loans | $200,757,250 | 2,281 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 1,787 |
| Cost of funding earning assets | 1.7739% | 779 |
| Net interest margin | 3.1149% | 3,186 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.6240% | 4,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1630% | 1,940 |
| Return on assets (ROA) | 1.1630% | 1,934 |
| Pretax return on assets | 1.5380% | 1,525 |
| Return on Equity (ROE) | 6.6100% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.6101% | 2,417 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.3604% | 3,822 |
| Assets per employee ($millions) | 10.1621% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 2,786 |
| Loan loss allowance to noncurrent loans | 1,693.3333% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,249 |
| Noncurrent loans to loans | 0.0669% | 3,222 |
| Net loans and leases to total assets | 78.5600% | 776 |
| Net loans and leases to deposits | 103.4060% | 388 |
| Net loans and leases to core deposits | 116.9108% | 604 |
| Total domestic deposits to total assets | 75.9700% | 4,042 |
| Equity capital to assets | 17.3291% | 372 |
| Core capital (leverage) ratio | 17.6051% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $246,425,000 | 2,713 |
| Average earning assets | $234,290,333 | 2,684 |
| Average equity | $43,358,000 | 1,769 |
| Average total loans | $198,658,000 | 2,298 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 1,935 |
| Cost of funding earning assets | 1.5257% | 800 |
| Net interest margin | 3.1399% | 3,262 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.6850% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2811% | 1,722 |
| Return on assets (ROA) | 1.2811% | 1,693 |
| Pretax return on assets | 1.6916% | 1,284 |
| Return on Equity (ROE) | 7.2200% | 3,475 |
| Retained earnings to average equity (ytd only) | 7.2238% | 2,439 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.9023% | 3,945 |
| Assets per employee ($millions) | 10.1951% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,803 |
| Loan loss allowance to noncurrent loans | 918.0723% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 2,814 |
| Noncurrent loans to loans | 0.1257% | 2,885 |
| Net loans and leases to total assets | 80.0300% | 538 |
| Net loans and leases to deposits | 103.4941% | 314 |
| Net loans and leases to core deposits | 115.6416% | 546 |
| Total domestic deposits to total assets | 77.3300% | 4,062 |
| Equity capital to assets | 17.7242% | 316 |
| Core capital (leverage) ratio | 17.9250% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $242,611,000 | 2,769 |
| Average earning assets | $230,452,000 | 2,734 |
| Average equity | $43,024,500 | 1,796 |
| Average total loans | $197,049,500 | 2,329 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 1,138 |
| Cost of funding earning assets | 0.8572% | 312 |
| Net interest margin | 3.4045% | 2,244 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.5289% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3400% | 1,311 |
| Return on assets (ROA) | 1.3400% | 1,268 |
| Pretax return on assets | 1.8455% | 653 |
| Return on Equity (ROE) | 7.5900% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.9211% | 2,674 |
| Net charge-offs to loans | 0.0038% | 2,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 621.1429% | 276 |
| Efficiency ratio | 45.3082% | 4,384 |
| Assets per employee ($millions) | 10.9336% | 517 |
| Cash dividends to net income (ytd only)* | 22.0146% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,542 |
| Loan loss allowance to noncurrent loans | 907.5397% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 2,795 |
| Noncurrent loans to loans | 0.1286% | 2,865 |
| Net loans and leases to total assets | 80.5300% | 537 |
| Net loans and leases to deposits | 101.8128% | 369 |
| Net loans and leases to core deposits | 112.1709% | 543 |
| Total domestic deposits to total assets | 79.1000% | 3,991 |
| Equity capital to assets | 17.7438% | 306 |
| Core capital (leverage) ratio | 17.7943% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $235,601,200 | 2,814 |
| Average earning assets | $222,115,000 | 2,790 |
| Average equity | $41,580,200 | 1,872 |
| Average total loans | $182,694,600 | 2,354 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1431% | 987 |
| Cost of funding earning assets | 0.7403% | 211 |
| Net interest margin | 3.4028% | 1,972 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.5229% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3437% | 1,225 |
| Return on assets (ROA) | 1.3437% | 1,204 |
| Pretax return on assets | 1.8654% | 638 |
| Return on Equity (ROE) | 7.6200% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.6244% | 2,141 |
| Net charge-offs to loans | -0.0007% | 3,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.9463% | 4,430 |
| Assets per employee ($millions) | 10.4046% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 2,650 |
| Loan loss allowance to noncurrent loans | 882.3077% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,876 |
| Noncurrent loans to loans | 0.1334% | 2,969 |
| Net loans and leases to total assets | 80.4600% | 495 |
| Net loans and leases to deposits | 103.3695% | 253 |
| Net loans and leases to core deposits | 114.7304% | 350 |
| Total domestic deposits to total assets | 77.8300% | 4,270 |
| Equity capital to assets | 17.7714% | 285 |
| Core capital (leverage) ratio | 18.0391% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $234,366,500 | 2,843 |
| Average earning assets | $220,636,250 | 2,819 |
| Average equity | $41,305,000 | 1,902 |
| Average total loans | $179,369,250 | 2,381 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 884 |
| Cost of funding earning assets | 0.7325% | 134 |
| Net interest margin | 3.3042% | 1,898 |
| Noninterest income to average assets | 0.2054% | 3,963 |
| Noninterest expense to average assets | 1.5306% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2582% | 1,261 |
| Return on assets (ROA) | 1.2582% | 1,246 |
| Pretax return on assets | 1.7721% | 637 |
| Return on Equity (ROE) | 7.1594% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.1594% | 1,933 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3440% | 4,436 |
| Assets per employee ($millions) | 9.3641% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 2,275 |
| Loan loss allowance to noncurrent loans | 909.9206% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 2,953 |
| Noncurrent loans to loans | 0.1408% | 3,001 |
| Net loans and leases to total assets | 75.4783% | 778 |
| Net loans and leases to deposits | 95.4067% | 456 |
| Net loans and leases to core deposits | 106.1977% | 446 |
| Total domestic deposits to total assets | 79.1122% | 4,292 |
| Equity capital to assets | 17.7828% | 233 |
| Core capital (leverage) ratio | 17.9445% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,720,000 | 2,875 |
| Average earning assets | $218,146,667 | 2,864 |
| Average equity | $40,897,333 | 1,963 |
| Average total loans | $174,215,667 | 2,431 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 884 |
| Cost of funding earning assets | 0.7277% | 132 |
| Net interest margin | 3.1971% | 1,890 |
| Noninterest income to average assets | 0.2707% | 3,512 |
| Noninterest expense to average assets | 1.5377% | 4,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1981% | 1,250 |
| Return on assets (ROA) | 1.1981% | 1,242 |
| Pretax return on assets | 1.7170% | 659 |
| Return on Equity (ROE) | 6.8589% | 3,082 |
| Retained earnings to average equity (ytd only) | 6.8589% | 1,937 |
| Net charge-offs to loans | -0.0047% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2458% | 4,443 |
| Assets per employee ($millions) | 10.5767% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 2,297 |
| Loan loss allowance to noncurrent loans | 733.2268% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 2,852 |
| Noncurrent loans to loans | 0.1788% | 2,924 |
| Net loans and leases to total assets | 74.2320% | 644 |
| Net loans and leases to deposits | 96.2032% | 273 |
| Net loans and leases to core deposits | 108.4947% | 288 |
| Total domestic deposits to total assets | 77.1617% | 4,449 |
| Equity capital to assets | 17.5604% | 244 |
| Core capital (leverage) ratio | 17.9079% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,028,500 | 2,887 |
| Average earning assets | $216,574,000 | 2,884 |
| Average equity | $40,531,000 | 2,031 |
| Average total loans | $171,828,500 | 2,441 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9358% | 1,523 |
| Cost of funding earning assets | 0.7948% | 208 |
| Net interest margin | 3.1409% | 2,762 |
| Noninterest income to average assets | 0.2389% | 3,951 |
| Noninterest expense to average assets | 1.4173% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3678% | 1,385 |
| Return on assets (ROA) | 1.3678% | 1,435 |
| Pretax return on assets | 1.7944% | 925 |
| Return on Equity (ROE) | 7.6401% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.0494% | 2,767 |
| Net charge-offs to loans | -0.0044% | 3,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1301% | 4,569 |
| Assets per employee ($millions) | 11.0176% | 503 |
| Cash dividends to net income (ytd only)* | 33.9090% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 2,095 |
| Loan loss allowance to noncurrent loans | 1,102.4038% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 3,310 |
| Noncurrent loans to loans | 0.1233% | 3,314 |
| Net loans and leases to total assets | 71.8938% | 850 |
| Net loans and leases to deposits | 92.8112% | 423 |
| Net loans and leases to core deposits | 104.9676% | 391 |
| Total domestic deposits to total assets | 77.4624% | 4,437 |
| Equity capital to assets | 17.3753% | 281 |
| Core capital (leverage) ratio | 17.7012% | 256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,130,800 | 2,902 |
| Average earning assets | $208,345,200 | 2,891 |
| Average equity | $39,410,400 | 2,101 |
| Average total loans | $159,159,800 | 2,551 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9357% | 1,670 |
| Cost of funding earning assets | 0.8159% | 228 |
| Net interest margin | 3.1198% | 3,000 |
| Noninterest income to average assets | 0.3650% | 3,272 |
| Noninterest expense to average assets | 1.5221% | 4,568 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3933% | 1,569 |
| Return on assets (ROA) | 1.3933% | 1,630 |
| Pretax return on assets | 1.8080% | 1,147 |
| Return on Equity (ROE) | 7.7218% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.4977% | 2,620 |
| Net charge-offs to loans | -0.0043% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7074% | 4,517 |
| Assets per employee ($millions) | 10.7236% | 523 |
| Cash dividends to net income (ytd only)* | 15.8520% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,771 |
| Loan loss allowance to noncurrent loans | 467.5510% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 2,692 |
| Noncurrent loans to loans | 0.3129% | 2,663 |
| Net loans and leases to total assets | 68.5137% | 1,256 |
| Net loans and leases to deposits | 89.3047% | 637 |
| Net loans and leases to core deposits | 101.1201% | 550 |
| Total domestic deposits to total assets | 76.7189% | 4,509 |
| Equity capital to assets | 17.8165% | 283 |
| Core capital (leverage) ratio | 18.0204% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,321,250 | 2,954 |
| Average earning assets | $206,546,500 | 2,932 |
| Average equity | $39,212,750 | 2,134 |
| Average total loans | $156,791,500 | 2,612 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9565% | 1,663 |
| Cost of funding earning assets | 0.8386% | 241 |
| Net interest margin | 3.1180% | 2,989 |
| Noninterest income to average assets | 0.4835% | 2,698 |
| Noninterest expense to average assets | 1.5622% | 4,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5007% | 1,290 |
| Return on assets (ROA) | 1.5007% | 1,353 |
| Pretax return on assets | 1.8966% | 1,025 |
| Return on Equity (ROE) | 8.2807% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.2527% | 2,342 |
| Net charge-offs to loans | -0.0051% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1656% | 4,559 |
| Assets per employee ($millions) | 10.4130% | 540 |
| Cash dividends to net income (ytd only)* | 12.4146% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 1,750 |
| Loan loss allowance to noncurrent loans | 290.2408% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 2,160 |
| Noncurrent loans to loans | 0.5011% | 2,177 |
| Net loans and leases to total assets | 70.9624% | 1,090 |
| Net loans and leases to deposits | 92.9698% | 495 |
| Net loans and leases to core deposits | 105.7389% | 477 |
| Total domestic deposits to total assets | 76.3285% | 4,542 |
| Equity capital to assets | 18.1194% | 261 |
| Core capital (leverage) ratio | 18.2196% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,696,333 | 2,976 |
| Average earning assets | $204,875,667 | 2,946 |
| Average equity | $38,909,667 | 2,140 |
| Average total loans | $156,861,667 | 2,621 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 1,796 |
| Cost of funding earning assets | 0.8504% | 280 |
| Net interest margin | 3.0651% | 3,094 |
| Noninterest income to average assets | 0.3893% | 3,154 |
| Noninterest expense to average assets | 1.4988% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4762% | 1,384 |
| Return on assets (ROA) | 1.4762% | 1,446 |
| Pretax return on assets | 1.8185% | 1,257 |
| Return on Equity (ROE) | 8.1445% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.1070% | 2,543 |
| Net charge-offs to loans | -0.0051% | 3,403 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1814% | 4,515 |
| Assets per employee ($millions) | 10.1933% | 561 |
| Cash dividends to net income (ytd only)* | 12.7389% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 1,761 |
| Loan loss allowance to noncurrent loans | 366.0800% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 2,680 |
| Noncurrent loans to loans | 0.3967% | 2,680 |
| Net loans and leases to total assets | 72.5361% | 950 |
| Net loans and leases to deposits | 95.8865% | 410 |
| Net loans and leases to core deposits | 110.9373% | 384 |
| Total domestic deposits to total assets | 75.6478% | 4,601 |
| Equity capital to assets | 18.1707% | 249 |
| Core capital (leverage) ratio | 18.3637% | 245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $212,708,500 | 2,986 |
| Average earning assets | $203,192,000 | 2,945 |
| Average equity | $38,553,500 | 2,143 |
| Average total loans | $156,560,000 | 2,628 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4624% | 1,406 |
| Cost of funding earning assets | 1.0115% | 570 |
| Net interest margin | 3.4510% | 2,626 |
| Noninterest income to average assets | 0.3140% | 3,588 |
| Noninterest expense to average assets | 1.6004% | 4,703 |
| Loan and lease loss provision to assets | 0.0498% | 3,763 |
| Net operating income to assets | 1.4813% | 856 |
| Return on assets (ROA) | 1.4813% | 926 |
| Pretax return on assets | 1.9543% | 503 |
| Return on Equity (ROE) | 7.8887% | 2,866 |
| Retained earnings to average equity (ytd only) | 4.9610% | 2,292 |
| Net charge-offs to loans | -0.0053% | 4,150 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3999% | 4,775 |
| Assets per employee ($millions) | 9.6072% | 597 |
| Cash dividends to net income (ytd only)* | 37.1131% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,690 |
| Loan loss allowance to noncurrent loans | 494.8052% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 3,197 |
| Noncurrent loans to loans | 0.2970% | 3,135 |
| Net loans and leases to total assets | 72.5196% | 1,224 |
| Net loans and leases to deposits | 95.7143% | 565 |
| Net loans and leases to core deposits | 110.3984% | 496 |
| Total domestic deposits to total assets | 75.7667% | 4,522 |
| Equity capital to assets | 18.0788% | 269 |
| Core capital (leverage) ratio | 18.4420% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,634,800 | 2,940 |
| Average earning assets | $191,307,600 | 2,899 |
| Average equity | $37,674,200 | 2,102 |
| Average total loans | $151,271,200 | 2,653 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5815% | 1,363 |
| Cost of funding earning assets | 1.0549% | 633 |
| Net interest margin | 3.5266% | 2,498 |
| Noninterest income to average assets | 0.3819% | 3,174 |
| Noninterest expense to average assets | 1.6064% | 4,723 |
| Loan and lease loss provision to assets | 0.0672% | 3,493 |
| Net operating income to assets | 1.5613% | 793 |
| Return on assets (ROA) | 1.5613% | 871 |
| Pretax return on assets | 2.0698% | 451 |
| Return on Equity (ROE) | 8.2328% | 2,715 |
| Retained earnings to average equity (ytd only) | 8.2328% | 1,228 |
| Net charge-offs to loans | -0.0053% | 4,065 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9111% | 4,833 |
| Assets per employee ($millions) | 10.3230% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,491 |
| Loan loss allowance to noncurrent loans | 457.7154% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 3,226 |
| Noncurrent loans to loans | 0.3198% | 3,138 |
| Net loans and leases to total assets | 74.4618% | 1,317 |
| Net loans and leases to deposits | 99.5403% | 554 |
| Net loans and leases to core deposits | 114.9964% | 523 |
| Total domestic deposits to total assets | 74.8057% | 4,518 |
| Equity capital to assets | 18.7253% | 256 |
| Core capital (leverage) ratio | 18.9989% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $197,954,000 | 2,943 |
| Average earning assets | $188,695,750 | 2,902 |
| Average equity | $37,540,000 | 2,104 |
| Average total loans | $150,198,500 | 2,667 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,362 |
| Cost of funding earning assets | 1.1117% | 691 |
| Net interest margin | 3.6093% | 2,452 |
| Noninterest income to average assets | 0.4992% | 2,566 |
| Noninterest expense to average assets | 1.6175% | 4,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.7661% | 542 |
| Return on assets (ROA) | 1.7661% | 592 |
| Pretax return on assets | 2.3227% | 295 |
| Return on Equity (ROE) | 9.2717% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.2717% | 942 |
| Net charge-offs to loans | -0.0054% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0510% | 4,886 |
| Assets per employee ($millions) | 9.7008% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,484 |
| Loan loss allowance to noncurrent loans | 431.2253% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 3,322 |
| Noncurrent loans to loans | 0.3314% | 3,204 |
| Net loans and leases to total assets | 73.8847% | 1,428 |
| Net loans and leases to deposits | 98.8656% | 614 |
| Net loans and leases to core deposits | 114.6353% | 579 |
| Total domestic deposits to total assets | 74.7325% | 4,540 |
| Equity capital to assets | 18.6853% | 253 |
| Core capital (leverage) ratio | 19.1955% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,119,000 | 2,946 |
| Average earning assets | $186,019,333 | 2,905 |
| Average equity | $37,166,667 | 2,111 |
| Average total loans | $148,259,000 | 2,670 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 1,275 |
| Cost of funding earning assets | 1.2163% | 730 |
| Net interest margin | 3.6510% | 2,508 |
| Noninterest income to average assets | 0.2557% | 4,009 |
| Noninterest expense to average assets | 1.7399% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5722% | 659 |
| Return on assets (ROA) | 1.5722% | 730 |
| Pretax return on assets | 1.9893% | 454 |
| Return on Equity (ROE) | 8.1705% | 2,445 |
| Retained earnings to average equity (ytd only) | 8.1705% | 1,181 |
| Net charge-offs to loans | -0.0055% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6554% | 4,810 |
| Assets per employee ($millions) | 9.0231% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 1,362 |
| Loan loss allowance to noncurrent loans | 239.5604% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 2,565 |
| Noncurrent loans to loans | 0.6239% | 2,430 |
| Net loans and leases to total assets | 75.8214% | 1,330 |
| Net loans and leases to deposits | 100.3513% | 540 |
| Net loans and leases to core deposits | 120.1202% | 461 |
| Total domestic deposits to total assets | 75.5560% | 4,531 |
| Equity capital to assets | 19.5751% | 268 |
| Core capital (leverage) ratio | 19.6010% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5327% | 315 |
| Memoranda: | ||
| Average total assets | $190,820,500 | 2,947 |
| Average earning assets | $181,539,000 | 2,907 |
| Average equity | $36,717,500 | 2,122 |
| Average total loans | $146,040,000 | 2,670 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0566% | 1,324 |
| Cost of funding earning assets | 1.2905% | 784 |
| Net interest margin | 3.7662% | 2,622 |
| Noninterest income to average assets | 0.1572% | 4,704 |
| Noninterest expense to average assets | 1.6323% | 4,927 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6296% | 780 |
| Return on assets (ROA) | 1.6296% | 832 |
| Pretax return on assets | 2.1235% | 450 |
| Return on Equity (ROE) | 8.5339% | 2,930 |
| Retained earnings to average equity (ytd only) | 6.5476% | 1,586 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4614% | 4,997 |
| Assets per employee ($millions) | 8.7343% | 542 |
| Cash dividends to net income (ytd only)* | 23.2759% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 1,262 |
| Loan loss allowance to noncurrent loans | 216.7164% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 2,324 |
| Noncurrent loans to loans | 0.6873% | 2,164 |
| Net loans and leases to total assets | 74.9660% | 1,593 |
| Net loans and leases to deposits | 98.0606% | 759 |
| Net loans and leases to core deposits | 115.6423% | 617 |
| Total domestic deposits to total assets | 76.4487% | 4,554 |
| Equity capital to assets | 18.9134% | 302 |
| Core capital (leverage) ratio | 19.3012% | 266 |
| Tier 1 risk-based capital ratio | 26.8585% | 625 |
| Total risk-based capital ratio | 28.1126% | 610 |
| Memoranda: | ||
| Average total assets | $185,074,600 | 2,963 |
| Average earning assets | $176,836,800 | 2,917 |
| Average equity | $35,341,400 | 2,119 |
| Average total loans | $144,954,400 | 2,664 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0899% | 1,307 |
| Cost of funding earning assets | 1.3000% | 783 |
| Net interest margin | 3.7899% | 2,628 |
| Noninterest income to average assets | 0.1607% | 4,741 |
| Noninterest expense to average assets | 1.6409% | 4,977 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6075% | 914 |
| Return on assets (ROA) | 1.6075% | 951 |
| Pretax return on assets | 2.1479% | 501 |
| Return on Equity (ROE) | 8.3970% | 3,158 |
| Retained earnings to average equity (ytd only) | 8.0170% | 1,383 |
| Net charge-offs to loans | -0.0009% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3097% | 5,038 |
| Assets per employee ($millions) | 8.8880% | 509 |
| Cash dividends to net income (ytd only)* | 4.5249% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 1,204 |
| Loan loss allowance to noncurrent loans | 380.9441% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,319 |
| Noncurrent loans to loans | 0.3979% | 3,119 |
| Net loans and leases to total assets | 75.8429% | 1,511 |
| Net loans and leases to deposits | 100.2308% | 611 |
| Net loans and leases to core deposits | 120.5905% | 520 |
| Total domestic deposits to total assets | 75.6682% | 4,679 |
| Equity capital to assets | 19.3620% | 282 |
| Core capital (leverage) ratio | 19.5639% | 266 |
| Tier 1 risk-based capital ratio | 26.7617% | 663 |
| Total risk-based capital ratio | 28.0161% | 648 |
| Memoranda: | ||
| Average total assets | $183,304,500 | 3,010 |
| Average earning assets | $175,478,750 | 2,954 |
| Average equity | $35,091,000 | 2,148 |
| Average total loans | $144,635,750 | 2,698 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 1,351 |
| Cost of funding earning assets | 1.2806% | 785 |
| Net interest margin | 3.7695% | 2,696 |
| Noninterest income to average assets | 0.1548% | 4,804 |
| Noninterest expense to average assets | 1.6697% | 5,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5621% | 981 |
| Return on assets (ROA) | 1.5621% | 1,027 |
| Pretax return on assets | 2.0945% | 558 |
| Return on Equity (ROE) | 8.1919% | 3,207 |
| Retained earnings to average equity (ytd only) | 8.1919% | 1,317 |
| Net charge-offs to loans | -0.0069% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3570% | 5,054 |
| Assets per employee ($millions) | 8.7706% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,309 |
| Loan loss allowance to noncurrent loans | 228.5864% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 2,481 |
| Noncurrent loans to loans | 0.6514% | 2,320 |
| Net loans and leases to total assets | 78.4079% | 1,147 |
| Net loans and leases to deposits | 103.5092% | 446 |
| Net loans and leases to core deposits | 127.2807% | 363 |
| Total domestic deposits to total assets | 75.7497% | 4,701 |
| Equity capital to assets | 19.2482% | 282 |
| Core capital (leverage) ratio | 19.6856% | 249 |
| Tier 1 risk-based capital ratio | 25.3958% | 719 |
| Total risk-based capital ratio | 26.6494% | 708 |
| Memoranda: | ||
| Average total assets | $182,189,670 | 3,028 |
| Average earning assets | $174,454,000 | 2,979 |
| Average equity | $34,741,670 | 2,151 |
| Average total loans | $144,934,670 | 2,712 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 1,610 |
| Cost of funding earning assets | 1.1939% | 919 |
| Net interest margin | 3.6994% | 2,893 |
| Noninterest income to average assets | 0.2119% | 4,474 |
| Noninterest expense to average assets | 1.6910% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5784% | 939 |
| Return on assets (ROA) | 1.5784% | 965 |
| Pretax return on assets | 2.0641% | 569 |
| Return on Equity (ROE) | 8.3172% | 3,106 |
| Retained earnings to average equity (ytd only) | 8.3172% | 1,543 |
| Net charge-offs to loans | -0.0083% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0323% | 5,065 |
| Assets per employee ($millions) | 8.2654% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 1,333 |
| Loan loss allowance to noncurrent loans | 123.8501% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9684% | 1,450 |
| Noncurrent loans to loans | 1.2131% | 1,356 |
| Net loans and leases to total assets | 78.6344% | 1,050 |
| Net loans and leases to deposits | 103.6874% | 409 |
| Net loans and leases to core deposits | 127.9226% | 337 |
| Total domestic deposits to total assets | 75.8380% | 4,780 |
| Equity capital to assets | 19.1070% | 276 |
| Core capital (leverage) ratio | 19.3042% | 262 |
| Tier 1 risk-based capital ratio | 25.7359% | 702 |
| Total risk-based capital ratio | 26.9900% | 690 |
| Memoranda: | ||
| Average total assets | $181,193,000 | 3,074 |
| Average earning assets | $173,542,500 | 3,018 |
| Average equity | $34,386,500 | 2,170 |
| Average total loans | $144,103,500 | 2,751 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 1,738 |
| Cost of funding earning assets | 1.0383% | 645 |
| Net interest margin | 3.6895% | 3,077 |
| Noninterest income to average assets | 0.2027% | 4,699 |
| Noninterest expense to average assets | 1.7100% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5328% | 1,039 |
| Return on assets (ROA) | 1.5328% | 1,025 |
| Pretax return on assets | 2.0303% | 529 |
| Return on Equity (ROE) | 8.1410% | 3,380 |
| Retained earnings to average equity (ytd only) | 6.1412% | 2,122 |
| Net charge-offs to loans | 0.0193% | 3,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 132.4074% | 612 |
| Efficiency ratio | 45.7182% | 5,127 |
| Assets per employee ($millions) | 8.5975% | 534 |
| Cash dividends to net income (ytd only)* | 24.5647% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 1,221 |
| Loan loss allowance to noncurrent loans | 100.7401% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 1,093 |
| Noncurrent loans to loans | 1.5115% | 1,007 |
| Net loans and leases to total assets | 78.0185% | 1,267 |
| Net loans and leases to deposits | 100.2341% | 724 |
| Net loans and leases to core deposits | 119.1558% | 572 |
| Total domestic deposits to total assets | 77.8362% | 4,520 |
| Equity capital to assets | 18.8477% | 279 |
| Core capital (leverage) ratio | 19.1733% | 259 |
| Tier 1 risk-based capital ratio | 25.4998% | 708 |
| Total risk-based capital ratio | 26.7542% | 691 |
| Memoranda: | ||
| Average total assets | $176,080,200 | 3,100 |
| Average earning assets | $168,832,000 | 3,040 |
| Average equity | $33,153,200 | 2,148 |
| Average total loans | $140,194,800 | 2,768 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 1,851 |
| Cost of funding earning assets | 1.0149% | 559 |
| Net interest margin | 3.6315% | 3,263 |
| Noninterest income to average assets | 0.1433% | 5,056 |
| Noninterest expense to average assets | 1.7100% | 5,126 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4418% | 1,353 |
| Return on assets (ROA) | 1.4418% | 1,355 |
| Pretax return on assets | 1.9181% | 790 |
| Return on Equity (ROE) | 7.6595% | 3,680 |
| Retained earnings to average equity (ytd only) | 7.2749% | 1,992 |
| Net charge-offs to loans | 0.0296% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 81.1982% | 872 |
| Efficiency ratio | 47.1330% | 5,093 |
| Assets per employee ($millions) | 8.3903% | 549 |
| Cash dividends to net income (ytd only)* | 5.0210% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 1,189 |
| Loan loss allowance to noncurrent loans | 69.8362% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.7668% | 668 |
| Noncurrent loans to loans | 2.2229% | 630 |
| Net loans and leases to total assets | 78.2464% | 1,305 |
| Net loans and leases to deposits | 101.1987% | 691 |
| Net loans and leases to core deposits | 121.3180% | 536 |
| Total domestic deposits to total assets | 77.3196% | 4,587 |
| Equity capital to assets | 19.1775% | 263 |
| Core capital (leverage) ratio | 19.3938% | 258 |
| Tier 1 risk-based capital ratio | 25.5484% | 709 |
| Total risk-based capital ratio | 26.8027% | 695 |
| Memoranda: | ||
| Average total assets | $174,963,500 | 3,136 |
| Average earning assets | $167,896,750 | 3,073 |
| Average equity | $32,934,250 | 2,164 |
| Average total loans | $139,484,000 | 2,790 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 1,742 |
| Cost of funding earning assets | 0.9716% | 534 |
| Net interest margin | 3.6415% | 3,151 |
| Noninterest income to average assets | 0.1547% | 5,050 |
| Noninterest expense to average assets | 1.6534% | 5,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5044% | 1,150 |
| Return on assets (ROA) | 1.5044% | 1,146 |
| Pretax return on assets | 1.9971% | 609 |
| Return on Equity (ROE) | 8.0431% | 3,486 |
| Retained earnings to average equity (ytd only) | 7.4612% | 1,860 |
| Net charge-offs to loans | 0.0488% | 1,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 51.2647% | 1,111 |
| Efficiency ratio | 45.2919% | 5,239 |
| Assets per employee ($millions) | 7.2569% | 842 |
| Cash dividends to net income (ytd only)* | 7.2353% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 1,196 |
| Loan loss allowance to noncurrent loans | 66.0280% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.8879% | 586 |
| Noncurrent loans to loans | 2.3697% | 562 |
| Net loans and leases to total assets | 78.4187% | 1,252 |
| Net loans and leases to deposits | 101.2281% | 717 |
| Net loans and leases to core deposits | 122.2503% | 510 |
| Total domestic deposits to total assets | 77.4673% | 4,668 |
| Equity capital to assets | 19.0687% | 263 |
| Core capital (leverage) ratio | 19.2536% | 255 |
| Tier 1 risk-based capital ratio | 26.8887% | 615 |
| Total risk-based capital ratio | 28.1444% | 605 |
| Memoranda: | ||
| Average total assets | $174,552,670 | 3,160 |
| Average earning assets | $167,566,670 | 3,093 |
| Average equity | $32,649,000 | 2,188 |
| Average total loans | $139,298,330 | 2,803 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 1,722 |
| Cost of funding earning assets | 0.8900% | 627 |
| Net interest margin | 3.6577% | 2,961 |
| Noninterest income to average assets | 0.2266% | 4,658 |
| Noninterest expense to average assets | 1.5359% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7168% | 667 |
| Return on assets (ROA) | 1.7168% | 675 |
| Pretax return on assets | 2.2089% | 374 |
| Return on Equity (ROE) | 9.2684% | 2,783 |
| Retained earnings to average equity (ytd only) | 9.2684% | 1,375 |
| Net charge-offs to loans | 0.1118% | 1,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 24.7436% | 1,353 |
| Efficiency ratio | 41.0147% | 5,434 |
| Assets per employee ($millions) | 7.8061% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 1,269 |
| Loan loss allowance to noncurrent loans | 67.7722% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.8610% | 643 |
| Noncurrent loans to loans | 2.2944% | 628 |
| Net loans and leases to total assets | 79.8485% | 959 |
| Net loans and leases to deposits | 103.1969% | 521 |
| Net loans and leases to core deposits | 120.9638% | 558 |
| Total domestic deposits to total assets | 77.3749% | 4,819 |
| Equity capital to assets | 19.0661% | 252 |
| Core capital (leverage) ratio | 18.6523% | 275 |
| Tier 1 risk-based capital ratio | 25.5382% | 720 |
| Total risk-based capital ratio | 26.7931% | 705 |
| Memoranda: | ||
| Average total assets | $174,746,500 | 3,196 |
| Average earning assets | $168,085,000 | 3,124 |
| Average equity | $32,368,000 | 2,214 |
| Average total loans | $139,573,000 | 2,817 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 1,576 |
| Cost of funding earning assets | 0.8125% | 583 |
| Net interest margin | 3.7320% | 2,668 |
| Noninterest income to average assets | 0.0795% | 5,461 |
| Noninterest expense to average assets | 1.6476% | 5,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9700% | 2,363 |
| Return on assets (ROA) | 0.9700% | 2,407 |
| Pretax return on assets | 2.0121% | 476 |
| Return on Equity (ROE) | 5.3457% | 4,025 |
| Retained earnings to average equity (ytd only) | 3.3399% | 3,298 |
| Net charge-offs to loans | -0.0052% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0195% | 5,423 |
| Assets per employee ($millions) | 7.4066% | 807 |
| Cash dividends to net income (ytd only)* | 37.5221% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,196 |
| Loan loss allowance to noncurrent loans | 57.7528% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.1771% | 485 |
| Noncurrent loans to loans | 2.7300% | 447 |
| Net loans and leases to total assets | 77.4352% | 1,356 |
| Net loans and leases to deposits | 98.3193% | 878 |
| Net loans and leases to core deposits | 114.0972% | 793 |
| Total domestic deposits to total assets | 78.7589% | 4,590 |
| Equity capital to assets | 17.9980% | 314 |
| Core capital (leverage) ratio | 18.2790% | 276 |
| Tier 1 risk-based capital ratio | 24.6538% | 760 |
| Total risk-based capital ratio | 25.9091% | 738 |
| Memoranda: | ||
| Average total assets | $174,741,000 | 3,181 |
| Average earning assets | $167,632,600 | 3,106 |
| Average equity | $31,707,800 | 2,239 |
| Average total loans | $135,675,000 | 2,838 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 1,673 |
| Cost of funding earning assets | 0.8070% | 556 |
| Net interest margin | 3.6833% | 2,812 |
| Noninterest income to average assets | 0.0575% | 5,589 |
| Noninterest expense to average assets | 1.5832% | 5,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1993% | 1,693 |
| Return on assets (ROA) | 1.1993% | 1,730 |
| Pretax return on assets | 2.0070% | 536 |
| Return on Equity (ROE) | 6.5956% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.1741% | 2,130 |
| Net charge-offs to loans | -0.0059% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0982% | 5,479 |
| Assets per employee ($millions) | 8.2865% | 568 |
| Cash dividends to net income (ytd only)* | 6.3898% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,210 |
| Loan loss allowance to noncurrent loans | 55.1276% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 2.3337% | 492 |
| Noncurrent loans to loans | 2.9235% | 453 |
| Net loans and leases to total assets | 77.3200% | 1,380 |
| Net loans and leases to deposits | 99.2784% | 797 |
| Net loans and leases to core deposits | 116.5369% | 733 |
| Total domestic deposits to total assets | 77.8820% | 4,749 |
| Equity capital to assets | 18.6177% | 291 |
| Core capital (leverage) ratio | 18.6148% | 269 |
| Tier 1 risk-based capital ratio | 24.9948% | 751 |
| Total risk-based capital ratio | 26.2500% | 734 |
| Memoranda: | ||
| Average total assets | $173,986,500 | 3,217 |
| Average earning assets | $166,875,250 | 3,143 |
| Average equity | $31,636,500 | 2,258 |
| Average total loans | $134,630,500 | 2,869 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 1,494 |
| Cost of funding earning assets | 0.7935% | 546 |
| Net interest margin | 3.7145% | 2,601 |
| Noninterest income to average assets | 0.0609% | 5,620 |
| Noninterest expense to average assets | 1.6278% | 5,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2163% | 1,551 |
| Return on assets (ROA) | 1.2163% | 1,588 |
| Pretax return on assets | 1.9957% | 533 |
| Return on Equity (ROE) | 6.7426% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.1053% | 2,058 |
| Net charge-offs to loans | -0.0060% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9239% | 5,494 |
| Assets per employee ($millions) | 7.8691% | 653 |
| Cash dividends to net income (ytd only)* | 9.4518% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 1,187 |
| Loan loss allowance to noncurrent loans | 65.2638% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.9969% | 639 |
| Noncurrent loans to loans | 2.5047% | 598 |
| Net loans and leases to total assets | 76.5400% | 1,458 |
| Net loans and leases to deposits | 97.9502% | 897 |
| Net loans and leases to core deposits | 116.6015% | 694 |
| Total domestic deposits to total assets | 78.1418% | 4,792 |
| Equity capital to assets | 18.4219% | 296 |
| Core capital (leverage) ratio | 18.3384% | 287 |
| Tier 1 risk-based capital ratio | 24.6339% | 794 |
| Total risk-based capital ratio | 25.8891% | 766 |
| Memoranda: | ||
| Average total assets | $173,976,330 | 3,237 |
| Average earning assets | $166,861,670 | 3,151 |
| Average equity | $31,382,670 | 2,264 |
| Average total loans | $133,922,670 | 2,887 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 1,546 |
| Cost of funding earning assets | 0.7700% | 580 |
| Net interest margin | 3.6636% | 2,637 |
| Noninterest income to average assets | 0.1445% | 5,392 |
| Noninterest expense to average assets | 1.7637% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1192% | 1,797 |
| Return on assets (ROA) | 1.1192% | 1,834 |
| Pretax return on assets | 1.8944% | 646 |
| Return on Equity (ROE) | 6.2709% | 3,776 |
| Retained earnings to average equity (ytd only) | 4.9859% | 2,905 |
| Net charge-offs to loans | -0.0060% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2132% | 5,460 |
| Assets per employee ($millions) | 7.9210% | 644 |
| Cash dividends to net income (ytd only)* | 20.4918% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 1,277 |
| Loan loss allowance to noncurrent loans | 66.5658% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.1135% | 607 |
| Noncurrent loans to loans | 2.4636% | 636 |
| Net loans and leases to total assets | 75.7212% | 1,455 |
| Net loans and leases to deposits | 96.2395% | 917 |
| Net loans and leases to core deposits | 114.3647% | 656 |
| Total domestic deposits to total assets | 78.6799% | 4,885 |
| Equity capital to assets | 17.9740% | 307 |
| Core capital (leverage) ratio | 18.0135% | 286 |
| Tier 1 risk-based capital ratio | 24.2682% | 841 |
| Total risk-based capital ratio | 25.5234% | 820 |
| Memoranda: | ||
| Average total assets | $174,404,500 | 3,264 |
| Average earning assets | $167,267,000 | 3,168 |
| Average equity | $31,128,000 | 2,286 |
| Average total loans | $133,530,000 | 2,908 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 1,736 |
| Cost of funding earning assets | 0.7170% | 754 |
| Net interest margin | 3.7162% | 2,624 |
| Noninterest income to average assets | 0.0868% | 5,678 |
| Noninterest expense to average assets | 1.5090% | 5,711 |
| Loan and lease loss provision to assets | -0.0731% | 5,636 |
| Net operating income to assets | 1.3108% | 1,189 |
| Return on assets (ROA) | 1.3108% | 1,251 |
| Pretax return on assets | 2.1922% | 334 |
| Return on Equity (ROE) | 7.2114% | 3,365 |
| Retained earnings to average equity (ytd only) | 5.0206% | 2,333 |
| Net charge-offs to loans | -0.0131% | 5,010 |
| Credit loss provision to net charge-offs | 717.6471% | 503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5910% | 5,758 |
| Assets per employee ($millions) | 7.9339% | 628 |
| Cash dividends to net income (ytd only)* | 30.3792% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 1,243 |
| Loan loss allowance to noncurrent loans | 54.0580% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 2.6010% | 446 |
| Noncurrent loans to loans | 3.0593% | 440 |
| Net loans and leases to total assets | 74.8846% | 1,708 |
| Net loans and leases to deposits | 93.0584% | 1,290 |
| Net loans and leases to core deposits | 109.1052% | 953 |
| Total domestic deposits to total assets | 80.4705% | 4,459 |
| Equity capital to assets | 17.7225% | 323 |
| Core capital (leverage) ratio | 18.1891% | 275 |
| Tier 1 risk-based capital ratio | 23.9983% | 867 |
| Total risk-based capital ratio | 25.2535% | 846 |
| Memoranda: | ||
| Average total assets | $167,002,600 | 3,319 |
| Average earning assets | $159,141,800 | 3,251 |
| Average equity | $30,354,800 | 2,326 |
| Average total loans | $129,735,400 | 2,927 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4702% | 1,630 |
| Cost of funding earning assets | 0.7056% | 794 |
| Net interest margin | 3.7646% | 2,474 |
| Noninterest income to average assets | 0.0961% | 5,723 |
| Noninterest expense to average assets | 1.4866% | 5,770 |
| Loan and lease loss provision to assets | -0.0977% | 5,790 |
| Net operating income to assets | 1.3727% | 1,122 |
| Return on assets (ROA) | 1.3727% | 1,189 |
| Pretax return on assets | 2.2917% | 324 |
| Return on Equity (ROE) | 7.5028% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.5028% | 1,399 |
| Net charge-offs to loans | -0.0155% | 4,920 |
| Credit loss provision to net charge-offs | 806.6667% | 497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3905% | 5,824 |
| Assets per employee ($millions) | 7.9911% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6827% | 1,260 |
| Loan loss allowance to noncurrent loans | 58.7905% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.5242% | 537 |
| Noncurrent loans to loans | 2.8622% | 556 |
| Net loans and leases to total assets | 76.4929% | 1,439 |
| Net loans and leases to deposits | 96.2588% | 1,023 |
| Net loans and leases to core deposits | 111.9908% | 808 |
| Total domestic deposits to total assets | 79.4658% | 4,627 |
| Equity capital to assets | 18.4688% | 307 |
| Core capital (leverage) ratio | 18.6406% | 251 |
| Tier 1 risk-based capital ratio | 25.2495% | 783 |
| Total risk-based capital ratio | 26.5057% | 768 |
| Memoranda: | ||
| Average total assets | $165,116,750 | 3,359 |
| Average earning assets | $157,216,000 | 3,290 |
| Average equity | $30,210,000 | 2,354 |
| Average total loans | $128,942,750 | 2,943 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 1,603 |
| Cost of funding earning assets | 0.6728% | 932 |
| Net interest margin | 3.7979% | 2,326 |
| Noninterest income to average assets | 0.0986% | 5,784 |
| Noninterest expense to average assets | 1.4858% | 5,847 |
| Loan and lease loss provision to assets | -0.1474% | 5,913 |
| Net operating income to assets | 1.4286% | 1,011 |
| Return on assets (ROA) | 1.4286% | 1,055 |
| Pretax return on assets | 2.3761% | 267 |
| Return on Equity (ROE) | 7.8333% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.8333% | 1,227 |
| Net charge-offs to loans | -0.0171% | 4,885 |
| Credit loss provision to net charge-offs | 1,100.0000% | 348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0000% | 5,910 |
| Assets per employee ($millions) | 7.7937% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 1,322 |
| Loan loss allowance to noncurrent loans | 57.5289% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 2.5124% | 548 |
| Noncurrent loans to loans | 2.9170% | 521 |
| Net loans and leases to total assets | 78.5076% | 1,134 |
| Net loans and leases to deposits | 98.9740% | 790 |
| Net loans and leases to core deposits | 115.2706% | 665 |
| Total domestic deposits to total assets | 79.3214% | 4,714 |
| Equity capital to assets | 18.6330% | 284 |
| Core capital (leverage) ratio | 18.9886% | 237 |
| Tier 1 risk-based capital ratio | 24.8418% | 824 |
| Total risk-based capital ratio | 26.0979% | 811 |
| Memoranda: | ||
| Average total assets | $164,218,000 | 3,384 |
| Average earning assets | $156,350,670 | 3,321 |
| Average equity | $29,949,000 | 2,374 |
| Average total loans | $128,403,000 | 2,961 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 1,717 |
| Cost of funding earning assets | 0.6600% | 996 |
| Net interest margin | 3.7679% | 2,409 |
| Noninterest income to average assets | 0.1508% | 5,586 |
| Noninterest expense to average assets | 1.5271% | 5,886 |
| Loan and lease loss provision to assets | -0.0267% | 5,920 |
| Net operating income to assets | 1.3618% | 1,112 |
| Return on assets (ROA) | 1.3618% | 1,178 |
| Pretax return on assets | 2.2323% | 360 |
| Return on Equity (ROE) | 7.5483% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.5483% | 1,644 |
| Net charge-offs to loans | -0.0251% | 4,985 |
| Credit loss provision to net charge-offs | 137.5000% | 1,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9121% | 5,946 |
| Assets per employee ($millions) | 8.0384% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 1,136 |
| Loan loss allowance to noncurrent loans | 77.7290% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.1547% | 778 |
| Noncurrent loans to loans | 2.3288% | 852 |
| Net loans and leases to total assets | 77.6024% | 1,152 |
| Net loans and leases to deposits | 96.4358% | 900 |
| Net loans and leases to core deposits | 109.0694% | 901 |
| Total domestic deposits to total assets | 80.4705% | 4,644 |
| Equity capital to assets | 18.6238% | 283 |
| Core capital (leverage) ratio | 18.3477% | 269 |
| Tier 1 risk-based capital ratio | 24.7872% | 836 |
| Total risk-based capital ratio | 26.0448% | 819 |
| Memoranda: | ||
| Average total assets | $164,493,500 | 3,392 |
| Average earning assets | $156,373,000 | 3,333 |
| Average equity | $29,675,500 | 2,392 |
| Average total loans | $127,262,500 | 2,981 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5192% | 1,537 |
| Cost of funding earning assets | 0.6721% | 950 |
| Net interest margin | 3.8471% | 2,209 |
| Noninterest income to average assets | 0.1272% | 5,774 |
| Noninterest expense to average assets | 1.5274% | 5,962 |
| Loan and lease loss provision to assets | 0.0018% | 4,350 |
| Net operating income to assets | 1.3460% | 1,166 |
| Return on assets (ROA) | 1.3460% | 1,199 |
| Pretax return on assets | 2.2585% | 308 |
| Return on Equity (ROE) | 7.7609% | 3,101 |
| Retained earnings to average equity (ytd only) | 5.8146% | 1,887 |
| Net charge-offs to loans | 0.0766% | 2,730 |
| Credit loss provision to net charge-offs | 3.0000% | 3,880 |
| Earnings coverage of net charge-offs (x) | 37.5000% | 1,231 |
| Efficiency ratio | 40.3246% | 6,060 |
| Assets per employee ($millions) | 8.0105% | 552 |
| Cash dividends to net income (ytd only)* | 25.0784% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 1,118 |
| Loan loss allowance to noncurrent loans | 74.1946% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 2.2280% | 756 |
| Noncurrent loans to loans | 2.4352% | 774 |
| Net loans and leases to total assets | 74.4044% | 1,658 |
| Net loans and leases to deposits | 90.9040% | 1,516 |
| Net loans and leases to core deposits | 100.7681% | 1,454 |
| Total domestic deposits to total assets | 81.8494% | 4,202 |
| Equity capital to assets | 17.4831% | 361 |
| Core capital (leverage) ratio | 17.8631% | 291 |
| Tier 1 risk-based capital ratio | 24.1376% | 911 |
| Total risk-based capital ratio | 25.3950% | 890 |
| Memoranda: | ||
| Average total assets | $165,903,200 | 3,364 |
| Average earning assets | $157,859,400 | 3,282 |
| Average equity | $28,772,600 | 2,403 |
| Average total loans | $130,470,800 | 2,881 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 1,557 |
| Cost of funding earning assets | 0.6753% | 953 |
| Net interest margin | 3.8387% | 2,241 |
| Noninterest income to average assets | 0.1323% | 5,821 |
| Noninterest expense to average assets | 1.5371% | 6,017 |
| Loan and lease loss provision to assets | 0.0040% | 4,177 |
| Net operating income to assets | 1.3952% | 1,117 |
| Return on assets (ROA) | 1.3952% | 1,168 |
| Pretax return on assets | 2.2493% | 369 |
| Return on Equity (ROE) | 8.0613% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.9309% | 1,264 |
| Net charge-offs to loans | 0.0376% | 3,145 |
| Credit loss provision to net charge-offs | 13.5135% | 3,420 |
| Earnings coverage of net charge-offs (x) | 75.5167% | 774 |
| Efficiency ratio | 40.5532% | 6,119 |
| Assets per employee ($millions) | 7.8593% | 575 |
| Cash dividends to net income (ytd only)* | 1.6184% | 3,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8339% | 1,196 |
| Loan loss allowance to noncurrent loans | 50.9905% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 3.1313% | 466 |
| Noncurrent loans to loans | 3.5966% | 421 |
| Net loans and leases to total assets | 76.7991% | 1,274 |
| Net loans and leases to deposits | 94.4424% | 1,147 |
| Net loans and leases to core deposits | 107.8979% | 987 |
| Total domestic deposits to total assets | 81.3184% | 4,386 |
| Equity capital to assets | 17.8370% | 354 |
| Core capital (leverage) ratio | 17.7900% | 310 |
| Tier 1 risk-based capital ratio | 24.0958% | 943 |
| Total risk-based capital ratio | 25.3538% | 925 |
| Memoranda: | ||
| Average total assets | $165,324,000 | 3,403 |
| Average earning assets | $157,551,000 | 3,322 |
| Average equity | $28,613,250 | 2,427 |
| Average total loans | $131,222,000 | 2,883 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 1,568 |
| Cost of funding earning assets | 0.6712% | 984 |
| Net interest margin | 3.8202% | 2,242 |
| Noninterest income to average assets | 0.1584% | 5,760 |
| Noninterest expense to average assets | 1.5742% | 6,064 |
| Loan and lease loss provision to assets | 0.1149% | 1,916 |
| Net operating income to assets | 1.3155% | 1,273 |
| Return on assets (ROA) | 1.3155% | 1,327 |
| Pretax return on assets | 2.1098% | 490 |
| Return on Equity (ROE) | 7.6787% | 3,217 |
| Retained earnings to average equity (ytd only) | 7.6787% | 1,396 |
| Net charge-offs to loans | 0.1728% | 1,429 |
| Credit loss provision to net charge-offs | 83.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 16.1404% | 1,927 |
| Efficiency ratio | 41.4386% | 6,177 |
| Assets per employee ($millions) | 7.9081% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 1,397 |
| Loan loss allowance to noncurrent loans | 49.8952% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 3.1800% | 494 |
| Noncurrent loans to loans | 3.5821% | 481 |
| Net loans and leases to total assets | 78.7838% | 962 |
| Net loans and leases to deposits | 96.2284% | 944 |
| Net loans and leases to core deposits | 109.4925% | 861 |
| Total domestic deposits to total assets | 81.8716% | 4,334 |
| Equity capital to assets | 17.3570% | 392 |
| Core capital (leverage) ratio | 17.5355% | 325 |
| Tier 1 risk-based capital ratio | 23.1381% | 1,061 |
| Total risk-based capital ratio | 24.3960% | 1,043 |
| Memoranda: | ||
| Average total assets | $165,417,000 | 3,413 |
| Average earning assets | $157,636,000 | 3,339 |
| Average equity | $28,338,000 | 2,462 |
| Average total loans | $131,922,330 | 2,877 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 1,399 |
| Cost of funding earning assets | 0.6691% | 1,004 |
| Net interest margin | 3.8542% | 2,051 |
| Noninterest income to average assets | 0.2132% | 5,425 |
| Noninterest expense to average assets | 1.5022% | 6,177 |
| Loan and lease loss provision to assets | -0.0073% | 6,094 |
| Net operating income to assets | 1.7275% | 553 |
| Return on assets (ROA) | 1.7275% | 585 |
| Pretax return on assets | 2.3890% | 283 |
| Return on Equity (ROE) | 10.1515% | 1,929 |
| Retained earnings to average equity (ytd only) | 10.1515% | 883 |
| Net charge-offs to loans | 0.2956% | 805 |
| Credit loss provision to net charge-offs | -3.0928% | 4,285 |
| Earnings coverage of net charge-offs (x) | 10.1340% | 1,955 |
| Efficiency ratio | 38.6775% | 6,290 |
| Assets per employee ($millions) | 8.1783% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 1,637 |
| Loan loss allowance to noncurrent loans | 60.0993% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 2.6662% | 768 |
| Noncurrent loans to loans | 2.8961% | 774 |
| Net loans and leases to total assets | 79.3832% | 758 |
| Net loans and leases to deposits | 99.3816% | 597 |
| Net loans and leases to core deposits | 109.6535% | 759 |
| Total domestic deposits to total assets | 79.8772% | 5,078 |
| Equity capital to assets | 17.3942% | 388 |
| Core capital (leverage) ratio | 17.2972% | 336 |
| Tier 1 risk-based capital ratio | 22.5021% | 1,170 |
| Total risk-based capital ratio | 23.7589% | 1,156 |
| Memoranda: | ||
| Average total assets | $165,090,000 | 3,444 |
| Average earning assets | $157,229,500 | 3,361 |
| Average equity | $28,094,500 | 2,496 |
| Average total loans | $131,274,500 | 2,896 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 1,484 |
| Cost of funding earning assets | 0.7147% | 1,031 |
| Net interest margin | 3.9113% | 2,198 |
| Noninterest income to average assets | 0.0392% | 6,317 |
| Noninterest expense to average assets | 1.5082% | 6,293 |
| Loan and lease loss provision to assets | 0.0607% | 3,313 |
| Net operating income to assets | 1.3372% | 1,217 |
| Return on assets (ROA) | 1.3372% | 1,265 |
| Pretax return on assets | 2.1829% | 327 |
| Return on Equity (ROE) | 8.0726% | 3,090 |
| Retained earnings to average equity (ytd only) | 6.3374% | 1,740 |
| Net charge-offs to loans | -0.0008% | 5,333 |
| Credit loss provision to net charge-offs | -9,900.0000% | 6,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1993% | 6,397 |
| Assets per employee ($millions) | 8.3307% | 472 |
| Cash dividends to net income (ytd only)* | 21.4940% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8404% | 1,451 |
| Loan loss allowance to noncurrent loans | 62.0636% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 2.6126% | 863 |
| Noncurrent loans to loans | 2.9654% | 764 |
| Net loans and leases to total assets | 76.8273% | 1,154 |
| Net loans and leases to deposits | 92.8730% | 1,198 |
| Net loans and leases to core deposits | 99.2695% | 1,436 |
| Total domestic deposits to total assets | 82.7229% | 4,173 |
| Equity capital to assets | 16.6481% | 460 |
| Core capital (leverage) ratio | 17.0985% | 355 |
| Tier 1 risk-based capital ratio | 22.2131% | 1,195 |
| Total risk-based capital ratio | 23.4712% | 1,170 |
| Memoranda: | ||
| Average total assets | $163,175,000 | 3,441 |
| Average earning assets | $154,883,600 | 3,365 |
| Average equity | $27,029,800 | 2,488 |
| Average total loans | $127,205,800 | 2,921 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6385% | 1,464 |
| Cost of funding earning assets | 0.7213% | 1,041 |
| Net interest margin | 3.9172% | 2,169 |
| Noninterest income to average assets | 0.0057% | 6,466 |
| Noninterest expense to average assets | 1.2946% | 6,458 |
| Loan and lease loss provision to assets | 0.0846% | 2,662 |
| Net operating income to assets | 1.4342% | 1,064 |
| Return on assets (ROA) | 1.4342% | 1,103 |
| Pretax return on assets | 2.3427% | 287 |
| Return on Equity (ROE) | 8.6693% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.6693% | 1,110 |
| Net charge-offs to loans | 0.0032% | 4,594 |
| Credit loss provision to net charge-offs | 3,433.3333% | 107 |
| Earnings coverage of net charge-offs (x) | 984.9750% | 77 |
| Efficiency ratio | 34.7826% | 6,515 |
| Assets per employee ($millions) | 8.1060% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8574% | 1,555 |
| Loan loss allowance to noncurrent loans | 56.4042% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 2.9410% | 815 |
| Noncurrent loans to loans | 3.2931% | 759 |
| Net loans and leases to total assets | 78.2205% | 937 |
| Net loans and leases to deposits | 96.6363% | 832 |
| Net loans and leases to core deposits | 103.5894% | 1,123 |
| Total domestic deposits to total assets | 80.9431% | 4,837 |
| Equity capital to assets | 17.1293% | 412 |
| Core capital (leverage) ratio | 17.2264% | 350 |
| Tier 1 risk-based capital ratio | 22.2160% | 1,235 |
| Total risk-based capital ratio | 23.4744% | 1,216 |
| Memoranda: | ||
| Average total assets | $162,315,250 | 3,488 |
| Average earning assets | $153,984,250 | 3,405 |
| Average equity | $26,852,750 | 2,507 |
| Average total loans | $126,406,000 | 2,948 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 1,413 |
| Cost of funding earning assets | 0.7231% | 1,064 |
| Net interest margin | 3.9209% | 2,082 |
| Noninterest income to average assets | -0.0012% | 6,563 |
| Noninterest expense to average assets | 1.3561% | 6,502 |
| Loan and lease loss provision to assets | 0.1281% | 1,923 |
| Net operating income to assets | 1.3376% | 1,214 |
| Return on assets (ROA) | 1.3376% | 1,258 |
| Pretax return on assets | 2.2281% | 341 |
| Return on Equity (ROE) | 8.1817% | 2,999 |
| Retained earnings to average equity (ytd only) | 8.1817% | 1,255 |
| Net charge-offs to loans | 0.0064% | 4,159 |
| Credit loss provision to net charge-offs | 2,600.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 478.2500% | 148 |
| Efficiency ratio | 36.5295% | 6,572 |
| Assets per employee ($millions) | 7.9798% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 1,555 |
| Loan loss allowance to noncurrent loans | 54.4341% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 3.1342% | 805 |
| Noncurrent loans to loans | 3.5133% | 751 |
| Net loans and leases to total assets | 77.1296% | 1,035 |
| Net loans and leases to deposits | 93.6532% | 992 |
| Net loans and leases to core deposits | 100.3505% | 1,252 |
| Total domestic deposits to total assets | 82.3566% | 4,522 |
| Equity capital to assets | 16.9867% | 414 |
| Core capital (leverage) ratio | 16.9833% | 358 |
| Tier 1 risk-based capital ratio | 22.4627% | 1,195 |
| Total risk-based capital ratio | 23.7221% | 1,172 |
| Memoranda: | ||
| Average total assets | $162,380,330 | 3,505 |
| Average earning assets | $153,789,670 | 3,416 |
| Average equity | $26,547,000 | 2,521 |
| Average total loans | $125,471,000 | 2,957 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4979% | 1,817 |
| Cost of funding earning assets | 0.7281% | 1,084 |
| Net interest margin | 3.7698% | 2,597 |
| Noninterest income to average assets | 0.1978% | 5,780 |
| Noninterest expense to average assets | 1.5265% | 6,477 |
| Loan and lease loss provision to assets | 0.2491% | 866 |
| Net operating income to assets | 1.1797% | 1,541 |
| Return on assets (ROA) | 1.1797% | 1,606 |
| Pretax return on assets | 1.9881% | 546 |
| Return on Equity (ROE) | 7.3557% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.3557% | 1,881 |
| Net charge-offs to loans | 0.0064% | 3,525 |
| Credit loss provision to net charge-offs | 5,100.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 458.0000% | 90 |
| Efficiency ratio | 40.5581% | 6,584 |
| Assets per employee ($millions) | 8.4245% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 1,756 |
| Loan loss allowance to noncurrent loans | 51.5907% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 3.7759% | 660 |
| Noncurrent loans to loans | 3.6801% | 768 |
| Net loans and leases to total assets | 77.4749% | 822 |
| Net loans and leases to deposits | 93.5925% | 830 |
| Net loans and leases to core deposits | 99.6753% | 1,124 |
| Total domestic deposits to total assets | 82.7790% | 4,675 |
| Equity capital to assets | 16.5600% | 452 |
| Core capital (leverage) ratio | 16.3209% | 442 |
| Tier 1 risk-based capital ratio | 21.9001% | 1,306 |
| Total risk-based capital ratio | 23.1592% | 1,278 |
| Memoranda: | ||
| Average total assets | $163,773,000 | 3,500 |
| Average earning assets | $154,915,500 | 3,418 |
| Average equity | $26,265,500 | 2,533 |
| Average total loans | $125,459,000 | 2,965 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8323% | 1,248 |
| Cost of funding earning assets | 0.7813% | 1,317 |
| Net interest margin | 4.0510% | 1,802 |
| Noninterest income to average assets | 0.0548% | 6,534 |
| Noninterest expense to average assets | 1.4286% | 6,616 |
| Loan and lease loss provision to assets | 0.2710% | 1,303 |
| Net operating income to assets | 1.5072% | 812 |
| Return on assets (ROA) | 1.5072% | 849 |
| Pretax return on assets | 2.1947% | 317 |
| Return on Equity (ROE) | 9.7924% | 2,198 |
| Retained earnings to average equity (ytd only) | 8.0515% | 1,039 |
| Net charge-offs to loans | 0.7455% | 862 |
| Credit loss provision to net charge-offs | 47.0899% | 3,890 |
| Earnings coverage of net charge-offs (x) | 4.2847% | 3,617 |
| Efficiency ratio | 36.6849% | 6,726 |
| Assets per employee ($millions) | 8.8147% | 356 |
| Cash dividends to net income (ytd only)* | 17.7778% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8473% | 1,927 |
| Loan loss allowance to noncurrent loans | 53.1915% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 3.4129% | 872 |
| Noncurrent loans to loans | 3.4729% | 910 |
| Net loans and leases to total assets | 72.9681% | 1,524 |
| Net loans and leases to deposits | 87.0172% | 1,573 |
| Net loans and leases to core deposits | 92.8611% | 1,690 |
| Total domestic deposits to total assets | 83.8548% | 4,218 |
| Equity capital to assets | 15.5386% | 589 |
| Core capital (leverage) ratio | 15.9822% | 472 |
| Tier 1 risk-based capital ratio | 21.2548% | 1,375 |
| Total risk-based capital ratio | 22.5126% | 1,354 |
| Memoranda: | ||
| Average total assets | $164,215,000 | 3,498 |
| Average earning assets | $155,640,400 | 3,407 |
| Average equity | $25,274,800 | 2,606 |
| Average total loans | $126,752,200 | 2,906 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 1,132 |
| Cost of funding earning assets | 0.7923% | 1,373 |
| Net interest margin | 4.1032% | 1,623 |
| Noninterest income to average assets | 0.1216% | 6,411 |
| Noninterest expense to average assets | 1.1628% | 6,800 |
| Loan and lease loss provision to assets | 0.1926% | 1,895 |
| Net operating income to assets | 1.7764% | 547 |
| Return on assets (ROA) | 1.7764% | 576 |
| Pretax return on assets | 2.6585% | 196 |
| Return on Equity (ROE) | 11.5699% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.5699% | 492 |
| Net charge-offs to loans | 0.3519% | 1,787 |
| Credit loss provision to net charge-offs | 70.2381% | 3,067 |
| Earnings coverage of net charge-offs (x) | 10.3988% | 2,364 |
| Efficiency ratio | 28.9693% | 6,842 |
| Assets per employee ($millions) | 8.5326% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 1,472 |
| Loan loss allowance to noncurrent loans | 67.9587% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 3.1723% | 1,136 |
| Noncurrent loans to loans | 3.1098% | 1,278 |
| Net loans and leases to total assets | 77.1379% | 857 |
| Net loans and leases to deposits | 92.7158% | 925 |
| Net loans and leases to core deposits | 99.8403% | 1,127 |
| Total domestic deposits to total assets | 83.1982% | 4,499 |
| Equity capital to assets | 16.1399% | 533 |
| Core capital (leverage) ratio | 16.1891% | 470 |
| Tier 1 risk-based capital ratio | 20.9672% | 1,498 |
| Total risk-based capital ratio | 22.2285% | 1,472 |
| Memoranda: | ||
| Average total assets | $163,398,750 | 3,540 |
| Average earning assets | $154,997,000 | 3,453 |
| Average equity | $25,087,500 | 2,646 |
| Average total loans | $127,313,500 | 2,920 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9402% | 1,017 |
| Cost of funding earning assets | 0.7936% | 1,448 |
| Net interest margin | 4.1466% | 1,419 |
| Noninterest income to average assets | 0.1367% | 6,371 |
| Noninterest expense to average assets | 1.1476% | 6,846 |
| Loan and lease loss provision to assets | 0.2881% | 1,262 |
| Net operating income to assets | 1.8044% | 513 |
| Return on assets (ROA) | 1.8044% | 553 |
| Pretax return on assets | 2.6370% | 227 |
| Return on Equity (ROE) | 11.9541% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.9541% | 500 |
| Net charge-offs to loans | 0.5284% | 1,250 |
| Credit loss provision to net charge-offs | 70.2381% | 2,821 |
| Earnings coverage of net charge-offs (x) | 7.1310% | 2,594 |
| Efficiency ratio | 28.1775% | 6,890 |
| Assets per employee ($millions) | 8.4775% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1187% | 1,589 |
| Loan loss allowance to noncurrent loans | 70.6252% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 3.1259% | 1,276 |
| Noncurrent loans to loans | 2.9999% | 1,484 |
| Net loans and leases to total assets | 77.4419% | 808 |
| Net loans and leases to deposits | 92.6896% | 907 |
| Net loans and leases to core deposits | 99.7625% | 1,095 |
| Total domestic deposits to total assets | 83.5497% | 4,494 |
| Equity capital to assets | 15.8108% | 555 |
| Core capital (leverage) ratio | 15.7159% | 492 |
| Tier 1 risk-based capital ratio | 20.4148% | 1,629 |
| Total risk-based capital ratio | 21.6757% | 1,598 |
| Memoranda: | ||
| Average total assets | $163,825,000 | 3,563 |
| Average earning assets | $155,501,330 | 3,472 |
| Average equity | $24,728,000 | 2,695 |
| Average total loans | $127,166,000 | 2,934 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 1,075 |
| Cost of funding earning assets | 0.7964% | 1,550 |
| Net interest margin | 4.1071% | 1,437 |
| Noninterest income to average assets | 0.2107% | 5,976 |
| Noninterest expense to average assets | 1.1961% | 6,908 |
| Loan and lease loss provision to assets | 0.3874% | 811 |
| Net operating income to assets | 1.7869% | 486 |
| Return on assets (ROA) | 1.7869% | 539 |
| Pretax return on assets | 2.5230% | 261 |
| Return on Equity (ROE) | 12.1190% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.1190% | 688 |
| Net charge-offs to loans | 1.0612% | 570 |
| Credit loss provision to net charge-offs | 47.4777% | 2,640 |
| Earnings coverage of net charge-offs (x) | 3.5668% | 2,739 |
| Efficiency ratio | 29.1274% | 6,966 |
| Assets per employee ($millions) | 9.0238% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0455% | 1,930 |
| Loan loss allowance to noncurrent loans | 79.5572% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 2.8536% | 1,581 |
| Noncurrent loans to loans | 2.5711% | 2,007 |
| Net loans and leases to total assets | 77.3315% | 682 |
| Net loans and leases to deposits | 91.8650% | 814 |
| Net loans and leases to core deposits | 99.1350% | 997 |
| Total domestic deposits to total assets | 84.1795% | 4,403 |
| Equity capital to assets | 15.2240% | 708 |
| Core capital (leverage) ratio | 15.0712% | 583 |
| Tier 1 risk-based capital ratio | 19.6171% | 1,877 |
| Total risk-based capital ratio | 20.8777% | 1,848 |
| Memoranda: | ||
| Average total assets | $165,201,000 | 3,578 |
| Average earning assets | $156,704,000 | 3,487 |
| Average equity | $24,358,500 | 2,771 |
| Average total loans | $127,030,000 | 2,947 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 1,614 |
| Cost of funding earning assets | 0.9482% | 1,653 |
| Net interest margin | 4.0329% | 2,262 |
| Noninterest income to average assets | 0.1742% | 6,157 |
| Noninterest expense to average assets | 1.3070% | 6,947 |
| Loan and lease loss provision to assets | 0.3688% | 1,776 |
| Net operating income to assets | 1.5288% | 864 |
| Return on assets (ROA) | 1.5288% | 957 |
| Pretax return on assets | 2.3472% | 313 |
| Return on Equity (ROE) | 10.6538% | 1,919 |
| Retained earnings to average equity (ytd only) | 8.7899% | 882 |
| Net charge-offs to loans | 0.2384% | 3,507 |
| Credit loss provision to net charge-offs | 201.0101% | 1,290 |
| Earnings coverage of net charge-offs (x) | 14.8047% | 1,708 |
| Efficiency ratio | 32.4889% | 7,011 |
| Assets per employee ($millions) | 9.3319% | 295 |
| Cash dividends to net income (ytd only)* | 17.4949% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2252% | 1,512 |
| Loan loss allowance to noncurrent loans | 66.8258% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 3.0165% | 1,570 |
| Noncurrent loans to loans | 3.3299% | 1,533 |
| Net loans and leases to total assets | 73.2429% | 1,294 |
| Net loans and leases to deposits | 86.0108% | 1,513 |
| Net loans and leases to core deposits | 92.5594% | 1,591 |
| Total domestic deposits to total assets | 85.1554% | 3,792 |
| Equity capital to assets | 14.2814% | 943 |
| Core capital (leverage) ratio | 14.8316% | 599 |
| Tier 1 risk-based capital ratio | 19.1477% | 1,919 |
| Total risk-based capital ratio | 20.4096% | 1,889 |
| Memoranda: | ||
| Average total assets | $161,896,400 | 3,585 |
| Average earning assets | $154,502,600 | 3,476 |
| Average equity | $23,231,200 | 2,826 |
| Average total loans | $124,557,800 | 2,988 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0730% | 1,489 |
| Cost of funding earning assets | 0.9873% | 1,640 |
| Net interest margin | 4.0857% | 2,141 |
| Noninterest income to average assets | 0.1879% | 6,173 |
| Noninterest expense to average assets | 1.0924% | 7,101 |
| Loan and lease loss provision to assets | 0.2660% | 2,447 |
| Net operating income to assets | 1.7467% | 631 |
| Return on assets (ROA) | 1.7467% | 700 |
| Pretax return on assets | 2.7376% | 204 |
| Return on Equity (ROE) | 12.1573% | 1,583 |
| Retained earnings to average equity (ytd only) | 12.1573% | 508 |
| Net charge-offs to loans | 0.0215% | 5,366 |
| Credit loss provision to net charge-offs | 1,600.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 180.6228% | 253 |
| Efficiency ratio | 26.6694% | 7,132 |
| Assets per employee ($millions) | 8.8937% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2773% | 1,566 |
| Loan loss allowance to noncurrent loans | 54.0436% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 3.3063% | 1,542 |
| Noncurrent loans to loans | 4.2139% | 1,173 |
| Net loans and leases to total assets | 75.0540% | 1,109 |
| Net loans and leases to deposits | 88.9619% | 1,254 |
| Net loans and leases to core deposits | 94.8618% | 1,501 |
| Total domestic deposits to total assets | 84.3665% | 4,054 |
| Equity capital to assets | 15.0219% | 818 |
| Core capital (leverage) ratio | 15.1261% | 589 |
| Tier 1 risk-based capital ratio | 19.8576% | 1,798 |
| Total risk-based capital ratio | 21.1210% | 1,768 |
| Memoranda: | ||
| Average total assets | $160,377,000 | 3,648 |
| Average earning assets | $153,410,250 | 3,527 |
| Average equity | $23,041,750 | 2,872 |
| Average total loans | $124,240,000 | 3,030 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 1,390 |
| Cost of funding earning assets | 1.0210% | 1,647 |
| Net interest margin | 4.1246% | 1,991 |
| Noninterest income to average assets | 0.1882% | 6,220 |
| Noninterest expense to average assets | 1.1154% | 7,166 |
| Loan and lease loss provision to assets | 0.2493% | 2,579 |
| Net operating income to assets | 1.8346% | 532 |
| Return on assets (ROA) | 1.8346% | 598 |
| Pretax return on assets | 2.7656% | 199 |
| Return on Equity (ROE) | 12.9655% | 1,370 |
| Retained earnings to average equity (ytd only) | 12.9655% | 441 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0066% | 7,187 |
| Assets per employee ($millions) | 8.3393% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1822% | 1,814 |
| Loan loss allowance to noncurrent loans | 55.9818% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 3.1146% | 1,750 |
| Noncurrent loans to loans | 3.8981% | 1,429 |
| Net loans and leases to total assets | 76.3826% | 921 |
| Net loans and leases to deposits | 90.3038% | 1,117 |
| Net loans and leases to core deposits | 95.4788% | 1,476 |
| Total domestic deposits to total assets | 84.5841% | 4,058 |
| Equity capital to assets | 14.7803% | 836 |
| Core capital (leverage) ratio | 14.7007% | 653 |
| Tier 1 risk-based capital ratio | 19.5698% | 1,826 |
| Total risk-based capital ratio | 20.8325% | 1,796 |
| Memoranda: | ||
| Average total assets | $160,474,000 | 3,655 |
| Average earning assets | $153,373,670 | 3,548 |
| Average equity | $22,706,330 | 2,886 |
| Average total loans | $124,669,670 | 3,031 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 1,345 |
| Cost of funding earning assets | 1.0640% | 1,600 |
| Net interest margin | 4.1238% | 2,011 |
| Noninterest income to average assets | 0.1783% | 6,312 |
| Noninterest expense to average assets | 1.2558% | 7,190 |
| Loan and lease loss provision to assets | 0.2502% | 2,460 |
| Net operating income to assets | 1.9964% | 422 |
| Return on assets (ROA) | 1.9964% | 483 |
| Pretax return on assets | 2.6083% | 287 |
| Return on Equity (ROE) | 14.4251% | 1,097 |
| Retained earnings to average equity (ytd only) | 14.4251% | 520 |
| Net charge-offs to loans | 0.0032% | 4,706 |
| Credit loss provision to net charge-offs | 10,100.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,154.0000% | 13 |
| Efficiency ratio | 30.5238% | 7,234 |
| Assets per employee ($millions) | 8.4622% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1065% | 2,088 |
| Loan loss allowance to noncurrent loans | 47.6103% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 3.4662% | 1,659 |
| Noncurrent loans to loans | 4.4244% | 1,331 |
| Net loans and leases to total assets | 75.1513% | 901 |
| Net loans and leases to deposits | 88.1706% | 1,145 |
| Net loans and leases to core deposits | 92.5446% | 1,588 |
| Total domestic deposits to total assets | 85.2340% | 3,919 |
| Equity capital to assets | 14.1515% | 967 |
| Core capital (leverage) ratio | 14.2766% | 736 |
| Tier 1 risk-based capital ratio | 18.7957% | 2,051 |
| Total risk-based capital ratio | 20.0572% | 2,016 |
| Memoranda: | ||
| Average total assets | $161,487,500 | 3,655 |
| Average earning assets | $154,131,000 | 3,548 |
| Average equity | $22,350,000 | 2,935 |
| Average total loans | $125,141,500 | 3,043 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4681% | 1,245 |
| Cost of funding earning assets | 1.1972% | 2,043 |
| Net interest margin | 4.2709% | 1,803 |
| Noninterest income to average assets | 0.1416% | 6,440 |
| Noninterest expense to average assets | 1.3995% | 7,213 |
| Loan and lease loss provision to assets | 0.3926% | 2,634 |
| Net operating income to assets | 1.5476% | 742 |
| Return on assets (ROA) | 1.5476% | 805 |
| Pretax return on assets | 2.4311% | 236 |
| Return on Equity (ROE) | 11.3110% | 1,617 |
| Retained earnings to average equity (ytd only) | 9.4534% | 682 |
| Net charge-offs to loans | 0.2457% | 4,242 |
| Credit loss provision to net charge-offs | 197.7199% | 1,281 |
| Earnings coverage of net charge-offs (x) | 14.2215% | 1,476 |
| Efficiency ratio | 33.1394% | 7,275 |
| Assets per employee ($millions) | 9.0108% | 328 |
| Cash dividends to net income (ytd only)* | 16.4229% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9708% | 2,368 |
| Loan loss allowance to noncurrent loans | 47.2947% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 3.3281% | 1,784 |
| Noncurrent loans to loans | 4.1670% | 1,476 |
| Net loans and leases to total assets | 76.6699% | 872 |
| Net loans and leases to deposits | 89.3200% | 1,220 |
| Net loans and leases to core deposits | 93.0989% | 1,787 |
| Total domestic deposits to total assets | 85.8373% | 3,413 |
| Equity capital to assets | 13.5313% | 1,250 |
| Core capital (leverage) ratio | 14.1542% | 786 |
| Tier 1 risk-based capital ratio | 17.6688% | 2,312 |
| Total risk-based capital ratio | 18.9280% | 2,278 |
| Memoranda: | ||
| Average total assets | $154,623,600 | 3,727 |
| Average earning assets | $147,766,000 | 3,611 |
| Average equity | $21,156,400 | 2,993 |
| Average total loans | $124,926,600 | 3,084 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4847% | 1,287 |
| Cost of funding earning assets | 1.2255% | 2,156 |
| Net interest margin | 4.2592% | 1,876 |
| Noninterest income to average assets | 0.1484% | 6,515 |
| Noninterest expense to average assets | 1.2195% | 7,338 |
| Loan and lease loss provision to assets | 0.2523% | 3,486 |
| Net operating income to assets | 1.7564% | 558 |
| Return on assets (ROA) | 1.7564% | 611 |
| Pretax return on assets | 2.7542% | 170 |
| Return on Equity (ROE) | 12.7994% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.7994% | 402 |
| Net charge-offs to loans | -0.0118% | 6,806 |
| Credit loss provision to net charge-offs | -2,627.2727% | 6,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.8577% | 7,373 |
| Assets per employee ($millions) | 8.1774% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 2,404 |
| Loan loss allowance to noncurrent loans | 44.1930% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 3.7131% | 1,683 |
| Noncurrent loans to loans | 4.4673% | 1,442 |
| Net loans and leases to total assets | 79.8932% | 528 |
| Net loans and leases to deposits | 93.7835% | 855 |
| Net loans and leases to core deposits | 99.6420% | 1,281 |
| Total domestic deposits to total assets | 85.1889% | 3,685 |
| Equity capital to assets | 14.1334% | 1,107 |
| Core capital (leverage) ratio | 14.3279% | 810 |
| Tier 1 risk-based capital ratio | 17.7974% | 2,332 |
| Total risk-based capital ratio | 19.0569% | 2,298 |
| Memoranda: | ||
| Average total assets | $152,731,000 | 3,780 |
| Average earning assets | $146,221,500 | 3,659 |
| Average equity | $20,958,750 | 3,014 |
| Average total loans | $124,444,750 | 3,114 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 1,280 |
| Cost of funding earning assets | 1.2487% | 2,258 |
| Net interest margin | 4.2609% | 1,794 |
| Noninterest income to average assets | 0.1633% | 6,484 |
| Noninterest expense to average assets | 1.1735% | 7,432 |
| Loan and lease loss provision to assets | 0.2555% | 3,355 |
| Net operating income to assets | 1.7886% | 518 |
| Return on assets (ROA) | 1.7886% | 551 |
| Pretax return on assets | 2.8106% | 163 |
| Return on Equity (ROE) | 13.1683% | 1,161 |
| Retained earnings to average equity (ytd only) | 13.1683% | 377 |
| Net charge-offs to loans | -0.0097% | 6,682 |
| Credit loss provision to net charge-offs | -3,233.3333% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.6794% | 7,450 |
| Assets per employee ($millions) | 7.5799% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 2,632 |
| Loan loss allowance to noncurrent loans | 36.4078% | 5,864 |
| Noncurrent assets plus other real estate owned to assets | 4.3484% | 1,458 |
| Noncurrent loans to loans | 5.2520% | 1,225 |
| Net loans and leases to total assets | 81.2114% | 431 |
| Net loans and leases to deposits | 95.4624% | 769 |
| Net loans and leases to core deposits | 101.8414% | 1,188 |
| Total domestic deposits to total assets | 85.0716% | 3,845 |
| Equity capital to assets | 14.0537% | 1,084 |
| Core capital (leverage) ratio | 14.1698% | 832 |
| Tier 1 risk-based capital ratio | 17.3996% | 2,376 |
| Total risk-based capital ratio | 18.6582% | 2,342 |
| Memoranda: | ||
| Average total assets | $151,851,330 | 3,818 |
| Average earning assets | $145,273,330 | 3,703 |
| Average equity | $20,625,330 | 3,047 |
| Average total loans | $123,716,330 | 3,153 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4501% | 1,429 |
| Cost of funding earning assets | 1.2847% | 2,275 |
| Net interest margin | 4.1655% | 2,011 |
| Noninterest income to average assets | 0.2316% | 6,061 |
| Noninterest expense to average assets | 1.1870% | 7,492 |
| Loan and lease loss provision to assets | 0.2579% | 3,081 |
| Net operating income to assets | 1.7818% | 505 |
| Return on assets (ROA) | 1.7818% | 536 |
| Pretax return on assets | 2.7635% | 188 |
| Return on Equity (ROE) | 13.3494% | 1,119 |
| Retained earnings to average equity (ytd only) | 13.3494% | 540 |
| Net charge-offs to loans | -0.0065% | 6,278 |
| Credit loss provision to net charge-offs | -4,900.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.2051% | 7,501 |
| Assets per employee ($millions) | 7.8352% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8437% | 2,869 |
| Loan loss allowance to noncurrent loans | 42.3651% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 3.7973% | 1,777 |
| Noncurrent loans to loans | 4.3520% | 1,623 |
| Net loans and leases to total assets | 82.2515% | 328 |
| Net loans and leases to deposits | 96.3641% | 667 |
| Net loans and leases to core deposits | 98.9575% | 1,432 |
| Total domestic deposits to total assets | 85.3549% | 3,862 |
| Equity capital to assets | 13.8538% | 1,045 |
| Core capital (leverage) ratio | 13.5603% | 950 |
| Tier 1 risk-based capital ratio | 17.0263% | 2,461 |
| Total risk-based capital ratio | 18.2845% | 2,432 |
| Memoranda: | ||
| Average total assets | $151,978,500 | 3,850 |
| Average earning assets | $145,097,500 | 3,728 |
| Average equity | $20,285,500 | 3,072 |
| Average total loans | $122,817,500 | 3,198 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8617% | 1,130 |
| Cost of funding earning assets | 1.6264% | 1,922 |
| Net interest margin | 4.2354% | 2,044 |
| Noninterest income to average assets | 0.1307% | 6,741 |
| Noninterest expense to average assets | 1.3753% | 7,496 |
| Loan and lease loss provision to assets | 0.5346% | 3,017 |
| Net operating income to assets | 1.4537% | 846 |
| Return on assets (ROA) | 1.4537% | 915 |
| Pretax return on assets | 2.2628% | 272 |
| Return on Equity (ROE) | 10.9960% | 1,590 |
| Retained earnings to average equity (ytd only) | 9.0081% | 696 |
| Net charge-offs to loans | 0.5579% | 3,385 |
| Credit loss provision to net charge-offs | 114.7710% | 3,782 |
| Earnings coverage of net charge-offs (x) | 6.0059% | 2,467 |
| Efficiency ratio | 32.9596% | 7,566 |
| Assets per employee ($millions) | 8.6160% | 385 |
| Cash dividends to net income (ytd only)* | 18.0786% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 2,801 |
| Loan loss allowance to noncurrent loans | 40.1094% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.6798% | 1,869 |
| Noncurrent loans to loans | 4.5373% | 1,553 |
| Net loans and leases to total assets | 76.5295% | 1,177 |
| Net loans and leases to deposits | 88.7088% | 1,692 |
| Net loans and leases to core deposits | 111.6559% | 834 |
| Total domestic deposits to total assets | 86.2704% | 3,218 |
| Equity capital to assets | 12.8617% | 1,458 |
| Core capital (leverage) ratio | 13.4422% | 987 |
| Tier 1 risk-based capital ratio | 16.8861% | 2,390 |
| Total risk-based capital ratio | 18.1440% | 2,356 |
| Memoranda: | ||
| Average total assets | $145,348,600 | 3,958 |
| Average earning assets | $138,713,400 | 3,842 |
| Average equity | $19,216,000 | 3,256 |
| Average total loans | $121,347,800 | 3,293 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9359% | 1,061 |
| Cost of funding earning assets | 1.7113% | 1,814 |
| Net interest margin | 4.2246% | 2,128 |
| Noninterest income to average assets | 0.1483% | 6,799 |
| Noninterest expense to average assets | 1.2231% | 7,658 |
| Loan and lease loss provision to assets | 0.4459% | 3,241 |
| Net operating income to assets | 1.6261% | 708 |
| Return on assets (ROA) | 1.6261% | 776 |
| Pretax return on assets | 2.5143% | 223 |
| Return on Equity (ROE) | 12.2099% | 1,444 |
| Retained earnings to average equity (ytd only) | 12.2099% | 434 |
| Net charge-offs to loans | 0.7442% | 2,565 |
| Credit loss provision to net charge-offs | 70.5015% | 5,405 |
| Earnings coverage of net charge-offs (x) | 4.6799% | 2,953 |
| Efficiency ratio | 29.2373% | 7,689 |
| Assets per employee ($millions) | 8.6097% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 3,736 |
| Loan loss allowance to noncurrent loans | 32.7304% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 4.1178% | 1,674 |
| Noncurrent loans to loans | 4.7325% | 1,493 |
| Net loans and leases to total assets | 82.5074% | 443 |
| Net loans and leases to deposits | 96.5594% | 920 |
| Net loans and leases to core deposits | 100.3941% | 1,818 |
| Total domestic deposits to total assets | 85.4473% | 3,380 |
| Equity capital to assets | 13.6365% | 1,301 |
| Core capital (leverage) ratio | 13.9139% | 936 |
| Tier 1 risk-based capital ratio | 17.0885% | 2,310 |
| Total risk-based capital ratio | 18.3428% | 2,270 |
| Memoranda: | ||
| Average total assets | $142,913,750 | 4,060 |
| Average earning assets | $136,498,750 | 3,932 |
| Average equity | $19,033,250 | 3,310 |
| Average total loans | $121,462,750 | 3,341 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8970% | 1,193 |
| Cost of funding earning assets | 1.7701% | 1,768 |
| Net interest margin | 4.1269% | 2,444 |
| Noninterest income to average assets | 0.1919% | 6,523 |
| Noninterest expense to average assets | 1.2175% | 7,732 |
| Loan and lease loss provision to assets | 0.5333% | 2,652 |
| Net operating income to assets | 1.5815% | 757 |
| Return on assets (ROA) | 1.5815% | 814 |
| Pretax return on assets | 2.3814% | 289 |
| Return on Equity (ROE) | 11.9735% | 1,464 |
| Retained earnings to average equity (ytd only) | 11.9735% | 496 |
| Net charge-offs to loans | 1.1201% | 1,695 |
| Credit loss provision to net charge-offs | 55.7522% | 5,303 |
| Earnings coverage of net charge-offs (x) | 3.0472% | 3,478 |
| Efficiency ratio | 29.4640% | 7,754 |
| Assets per employee ($millions) | 7.7889% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 4,012 |
| Loan loss allowance to noncurrent loans | 28.3822% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 4.8538% | 1,339 |
| Noncurrent loans to loans | 5.2166% | 1,308 |
| Net loans and leases to total assets | 85.4301% | 261 |
| Net loans and leases to deposits | 99.9841% | 728 |
| Net loans and leases to core deposits | 105.1295% | 1,524 |
| Total domestic deposits to total assets | 85.4437% | 3,396 |
| Equity capital to assets | 13.7924% | 1,246 |
| Core capital (leverage) ratio | 13.8466% | 963 |
| Tier 1 risk-based capital ratio | 16.7482% | 2,382 |
| Total risk-based capital ratio | 18.0024% | 2,330 |
| Memoranda: | ||
| Average total assets | $141,763,330 | 4,101 |
| Average earning assets | $135,357,000 | 3,991 |
| Average equity | $18,724,670 | 3,348 |
| Average total loans | $121,063,000 | 3,388 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8259% | 1,385 |
| Cost of funding earning assets | 1.8704% | 1,569 |
| Net interest margin | 3.9555% | 3,075 |
| Noninterest income to average assets | 0.2694% | 6,002 |
| Noninterest expense to average assets | 1.3329% | 7,790 |
| Loan and lease loss provision to assets | 0.7857% | 1,607 |
| Net operating income to assets | 1.1365% | 1,723 |
| Return on assets (ROA) | 1.1365% | 1,797 |
| Pretax return on assets | 1.9250% | 700 |
| Return on Equity (ROE) | 8.7955% | 2,566 |
| Retained earnings to average equity (ytd only) | 8.7955% | 1,459 |
| Net charge-offs to loans | 2.2416% | 759 |
| Credit loss provision to net charge-offs | 41.3589% | 4,620 |
| Earnings coverage of net charge-offs (x) | 1.4269% | 3,891 |
| Efficiency ratio | 32.9632% | 7,825 |
| Assets per employee ($millions) | 7.6861% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 4,341 |
| Loan loss allowance to noncurrent loans | 28.3550% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 4.6759% | 1,420 |
| Noncurrent loans to loans | 4.9938% | 1,452 |
| Net loans and leases to total assets | 85.7007% | 231 |
| Net loans and leases to deposits | 100.1284% | 744 |
| Net loans and leases to core deposits | 108.1520% | 1,404 |
| Total domestic deposits to total assets | 85.5908% | 3,365 |
| Equity capital to assets | 13.4594% | 1,344 |
| Core capital (leverage) ratio | 13.1751% | 1,164 |
| Tier 1 risk-based capital ratio | 16.0595% | 2,632 |
| Total risk-based capital ratio | 17.3118% | 2,583 |
| Memoranda: | ||
| Average total assets | $142,545,000 | 4,147 |
| Average earning assets | $136,013,000 | 4,040 |
| Average equity | $18,418,500 | 3,414 |
| Average total loans | $120,808,000 | 3,450 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3452% | 945 |
| Cost of funding earning assets | 2.3418% | 1,488 |
| Net interest margin | 4.0035% | 2,847 |
| Noninterest income to average assets | 0.0965% | 7,289 |
| Noninterest expense to average assets | 1.4295% | 7,834 |
| Loan and lease loss provision to assets | 0.3173% | 4,914 |
| Net operating income to assets | 1.2803% | 1,072 |
| Return on assets (ROA) | 1.2803% | 1,128 |
| Pretax return on assets | 2.2023% | 272 |
| Return on Equity (ROE) | 9.8995% | 1,720 |
| Retained earnings to average equity (ytd only) | 7.7568% | 760 |
| Net charge-offs to loans | 0.0282% | 6,853 |
| Credit loss provision to net charge-offs | 1,276.4706% | 239 |
| Earnings coverage of net charge-offs (x) | 101.3529% | 272 |
| Efficiency ratio | 36.1970% | 7,900 |
| Assets per employee ($millions) | 8.1523% | 485 |
| Cash dividends to net income (ytd only)* | 21.6448% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 2,786 |
| Loan loss allowance to noncurrent loans | 34.7510% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 4.3348% | 1,508 |
| Noncurrent loans to loans | 4.9799% | 1,359 |
| Net loans and leases to total assets | 81.2636% | 798 |
| Net loans and leases to deposits | 97.4081% | 1,165 |
| Net loans and leases to core deposits | 130.0403% | 1,283 |
| Total domestic deposits to total assets | 83.4259% | 4,316 |
| Equity capital to assets | 12.4137% | 1,789 |
| Core capital (leverage) ratio | 13.0729% | 1,232 |
| Tier 1 risk-based capital ratio | 15.5114% | 2,711 |
| Total risk-based capital ratio | 16.7683% | 2,660 |
| Memoranda: | ||
| Average total assets | $136,765,600 | 4,196 |
| Average earning assets | $131,610,600 | 4,052 |
| Average equity | $17,687,800 | 3,554 |
| Average total loans | $120,656,800 | 3,471 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4561% | 831 |
| Cost of funding earning assets | 2.4573% | 1,421 |
| Net interest margin | 3.9988% | 2,832 |
| Noninterest income to average assets | 0.0924% | 7,443 |
| Noninterest expense to average assets | 1.2661% | 7,977 |
| Loan and lease loss provision to assets | 0.2165% | 5,253 |
| Net operating income to assets | 1.4408% | 939 |
| Return on assets (ROA) | 1.4408% | 999 |
| Pretax return on assets | 2.4686% | 203 |
| Return on Equity (ROE) | 11.0199% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.0199% | 472 |
| Net charge-offs to loans | 0.0199% | 6,627 |
| Credit loss provision to net charge-offs | 1,211.1111% | 314 |
| Earnings coverage of net charge-offs (x) | 150.2183% | 256 |
| Efficiency ratio | 32.0432% | 7,997 |
| Assets per employee ($millions) | 8.6216% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5655% | 3,143 |
| Loan loss allowance to noncurrent loans | 29.2263% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 4.8736% | 1,208 |
| Noncurrent loans to loans | 5.3564% | 1,188 |
| Net loans and leases to total assets | 86.6049% | 307 |
| Net loans and leases to deposits | 105.2656% | 694 |
| Net loans and leases to core deposits | 147.6426% | 641 |
| Total domestic deposits to total assets | 82.2728% | 4,554 |
| Equity capital to assets | 13.2624% | 1,593 |
| Core capital (leverage) ratio | 13.3411% | 1,286 |
| Tier 1 risk-based capital ratio | 15.7622% | 2,713 |
| Total risk-based capital ratio | 17.0166% | 2,650 |
| Memoranda: | ||
| Average total assets | $134,271,750 | 4,275 |
| Average earning assets | $129,569,500 | 4,111 |
| Average equity | $17,555,750 | 3,604 |
| Average total loans | $120,484,250 | 3,502 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5454% | 737 |
| Cost of funding earning assets | 2.5521% | 1,443 |
| Net interest margin | 3.9933% | 2,722 |
| Noninterest income to average assets | 0.0707% | 7,633 |
| Noninterest expense to average assets | 1.2868% | 8,061 |
| Loan and lease loss provision to assets | 0.2255% | 4,773 |
| Net operating income to assets | 1.4296% | 958 |
| Return on assets (ROA) | 1.4296% | 1,024 |
| Pretax return on assets | 2.4112% | 246 |
| Return on Equity (ROE) | 10.9883% | 1,703 |
| Retained earnings to average equity (ytd only) | 10.9883% | 567 |
| Net charge-offs to loans | 0.0333% | 5,993 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 87.7000% | 439 |
| Efficiency ratio | 32.7969% | 8,090 |
| Assets per employee ($millions) | 7.5017% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,149 |
| Loan loss allowance to noncurrent loans | 33.1042% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 4.2457% | 1,360 |
| Noncurrent loans to loans | 4.5521% | 1,410 |
| Net loans and leases to total assets | 88.5796% | 210 |
| Net loans and leases to deposits | 107.7199% | 665 |
| Net loans and leases to core deposits | 155.6234% | 533 |
| Total domestic deposits to total assets | 82.2314% | 4,598 |
| Equity capital to assets | 13.1786% | 1,623 |
| Core capital (leverage) ratio | 13.3551% | 1,312 |
| Tier 1 risk-based capital ratio | 15.4413% | 2,839 |
| Total risk-based capital ratio | 16.6952% | 2,765 |
| Memoranda: | ||
| Average total assets | $133,047,000 | 4,326 |
| Average earning assets | $128,365,000 | 4,175 |
| Average equity | $17,309,330 | 3,659 |
| Average total loans | $120,189,670 | 3,529 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5700% | 756 |
| Cost of funding earning assets | 2.6475% | 1,422 |
| Net interest margin | 3.9226% | 2,965 |
| Noninterest income to average assets | 0.0363% | 7,896 |
| Noninterest expense to average assets | 1.2268% | 8,106 |
| Loan and lease loss provision to assets | 0.2423% | 4,038 |
| Net operating income to assets | 1.3479% | 1,264 |
| Return on assets (ROA) | 1.3479% | 1,359 |
| Pretax return on assets | 2.3505% | 332 |
| Return on Equity (ROE) | 10.4298% | 2,153 |
| Retained earnings to average equity (ytd only) | 10.4298% | 1,087 |
| Net charge-offs to loans | 0.0502% | 4,771 |
| Credit loss provision to net charge-offs | 533.3333% | 1,033 |
| Earnings coverage of net charge-offs (x) | 57.0667% | 669 |
| Efficiency ratio | 32.1174% | 8,140 |
| Assets per employee ($millions) | 8.1483% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 3,083 |
| Loan loss allowance to noncurrent loans | 28.7600% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 4.7073% | 997 |
| Noncurrent loans to loans | 5.1501% | 1,046 |
| Net loans and leases to total assets | 90.0477% | 132 |
| Net loans and leases to deposits | 109.8338% | 621 |
| Net loans and leases to core deposits | 154.1614% | 595 |
| Total domestic deposits to total assets | 81.9854% | 4,551 |
| Equity capital to assets | 13.2613% | 1,634 |
| Core capital (leverage) ratio | 13.0494% | 1,466 |
| Tier 1 risk-based capital ratio | 15.4732% | 2,866 |
| Total risk-based capital ratio | 16.7271% | 2,797 |
| Memoranda: | ||
| Average total assets | $132,055,500 | 4,371 |
| Average earning assets | $127,366,000 | 4,207 |
| Average equity | $17,066,500 | 3,720 |
| Average total loans | $119,565,000 | 3,570 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6618% | 2,194 |
| Cost of funding earning assets | 3.2826% | 970 |
| Net interest margin | 3.3792% | 5,745 |
| Noninterest income to average assets | 0.1391% | 7,407 |
| Noninterest expense to average assets | 1.3724% | 8,090 |
| Loan and lease loss provision to assets | 0.1201% | 5,828 |
| Net operating income to assets | 1.0165% | 2,492 |
| Return on assets (ROA) | 1.0165% | 2,379 |
| Pretax return on assets | 1.8916% | 780 |
| Return on Equity (ROE) | 8.1527% | 3,005 |
| Retained earnings to average equity (ytd only) | 5.8661% | 1,586 |
| Net charge-offs to loans | 0.0922% | 5,414 |
| Credit loss provision to net charge-offs | 146.2963% | 3,606 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,375 |
| Efficiency ratio | 40.5527% | 8,117 |
| Assets per employee ($millions) | 7.4299% | 591 |
| Cash dividends to net income (ytd only)* | 28.0479% | 4,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 3,102 |
| Loan loss allowance to noncurrent loans | 25.9899% | 6,938 |
| Noncurrent assets plus other real estate owned to assets | 4.8909% | 720 |
| Noncurrent loans to loans | 5.4523% | 757 |
| Net loans and leases to total assets | 88.4319% | 330 |
| Net loans and leases to deposits | 107.0134% | 1,045 |
| Net loans and leases to core deposits | 145.4013% | 1,031 |
| Total domestic deposits to total assets | 82.6363% | 3,932 |
| Equity capital to assets | 12.5947% | 1,968 |
| Core capital (leverage) ratio | 12.7071% | 1,665 |
| Tier 1 risk-based capital ratio | 14.8065% | 3,145 |
| Total risk-based capital ratio | 16.0591% | 3,059 |
| Memoranda: | ||
| Average total assets | $131,526,000 | 4,245 |
| Average earning assets | $126,302,800 | 4,123 |
| Average equity | $16,399,400 | 3,847 |
| Average total loans | $117,143,400 | 3,521 |