Home > Sumner Bank & Trust > Performance and Condition Ratios
Sumner Bank & Trust, Performance and Condition Ratios
| 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 | 5.7767% | 711 |
| Cost of funding earning assets | 0.8425% | 3,420 |
| Net interest margin | 4.9341% | 338 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.5936% | 1,966 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 1.8048% | 667 |
| Return on assets (ROA) | 1.8048% | 656 |
| Pretax return on assets | 2.4608% | 396 |
| Return on Equity (ROE) | 18.5800% | 866 |
| Retained earnings to average equity (ytd only) | 18.4543% | 319 |
| Net charge-offs to loans | 0.0072% | 2,175 |
| Credit loss provision to net charge-offs | 300.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 423.4000% | 346 |
| Efficiency ratio | 51.6942% | 3,778 |
| Assets per employee ($millions) | 7.0098% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.6660% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9268% | 3,643 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 78.3600% | 836 |
| Net loans and leases to deposits | 87.3395% | 1,442 |
| Net loans and leases to core deposits | 94.6956% | 1,636 |
| Total domestic deposits to total assets | 89.7200% | 1,013 |
| Equity capital to assets | 10.0921% | 1,771 |
| Core capital (leverage) ratio | 10.8588% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5494% | 1,694 |
| Memoranda: | ||
| Average total assets | $232,926,250 | 2,789 |
| Average earning assets | $221,229,750 | 2,745 |
| Average equity | $22,628,250 | 2,646 |
| Average total loans | $186,295,500 | 2,390 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5678% | 759 |
| Cost of funding earning assets | 0.7475% | 3,356 |
| Net interest margin | 4.8203% | 391 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.6263% | 1,859 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.5706% | 987 |
| Return on assets (ROA) | 1.5706% | 984 |
| Pretax return on assets | 2.1391% | 585 |
| Return on Equity (ROE) | 16.3900% | 1,202 |
| Retained earnings to average equity (ytd only) | 16.1962% | 449 |
| Net charge-offs to loans | 0.0054% | 2,062 |
| Credit loss provision to net charge-offs | 3,200.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 526.4000% | 281 |
| Efficiency ratio | 53.5557% | 3,652 |
| Assets per employee ($millions) | 6.7321% | 2,118 |
| Cash dividends to net income (ytd only)* | 1.1570% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 3,376 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 78.1100% | 821 |
| Net loans and leases to deposits | 86.6853% | 1,449 |
| Net loans and leases to core deposits | 93.5818% | 1,591 |
| Total domestic deposits to total assets | 90.1000% | 903 |
| Equity capital to assets | 9.7359% | 2,007 |
| Core capital (leverage) ratio | 10.3167% | 2,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1375% | 1,836 |
| Memoranda: | ||
| Average total assets | $231,123,667 | 2,807 |
| Average earning assets | $219,655,667 | 2,762 |
| Average equity | $22,153,333 | 2,682 |
| Average total loans | $185,561,333 | 2,387 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5162% | 604 |
| Cost of funding earning assets | 0.6555% | 3,202 |
| Net interest margin | 4.8607% | 341 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.6373% | 1,854 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.5554% | 1,069 |
| Return on assets (ROA) | 1.5554% | 1,064 |
| Pretax return on assets | 2.1147% | 642 |
| Return on Equity (ROE) | 16.3600% | 1,285 |
| Retained earnings to average equity (ytd only) | 16.3235% | 655 |
| Net charge-offs to loans | 0.0065% | 1,712 |
| Credit loss provision to net charge-offs | 4,000.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 443.3333% | 255 |
| Efficiency ratio | 53.1525% | 3,690 |
| Assets per employee ($millions) | 6.6798% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.2247% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,553 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.8900% | 661 |
| Net loans and leases to deposits | 87.5615% | 1,243 |
| Net loans and leases to core deposits | 93.5630% | 1,421 |
| Total domestic deposits to total assets | 90.1000% | 1,125 |
| Equity capital to assets | 9.4507% | 2,183 |
| Core capital (leverage) ratio | 9.8820% | 2,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5813% | 2,148 |
| Memoranda: | ||
| Average total assets | $228,874,500 | 2,847 |
| Average earning assets | $217,251,500 | 2,815 |
| Average equity | $21,760,000 | 2,739 |
| Average total loans | $185,382,000 | 2,406 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 911 |
| Cost of funding earning assets | 0.2190% | 3,605 |
| Net interest margin | 4.1643% | 587 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 2.5207% | 2,047 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2542% | 1,587 |
| Return on assets (ROA) | 1.2542% | 1,535 |
| Pretax return on assets | 1.6916% | 939 |
| Return on Equity (ROE) | 13.5600% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.2805% | 828 |
| Net charge-offs to loans | 0.0121% | 1,938 |
| Credit loss provision to net charge-offs | 1,260.0000% | 365 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 645 |
| Efficiency ratio | 58.2681% | 3,303 |
| Assets per employee ($millions) | 6.5869% | 2,263 |
| Cash dividends to net income (ytd only)* | 16.8406% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 3,945 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 81.6800% | 440 |
| Net loans and leases to deposits | 90.6200% | 1,005 |
| Net loans and leases to core deposits | 96.4463% | 1,180 |
| Total domestic deposits to total assets | 90.1300% | 1,303 |
| Equity capital to assets | 9.5666% | 1,960 |
| Core capital (leverage) ratio | 10.0019% | 2,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0703% | 2,341 |
| Memoranda: | ||
| Average total assets | $221,569,400 | 2,893 |
| Average earning assets | $210,072,400 | 2,861 |
| Average equity | $20,486,600 | 2,909 |
| Average total loans | $165,746,400 | 2,495 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 1,070 |
| Cost of funding earning assets | 0.1705% | 3,621 |
| Net interest margin | 3.9300% | 740 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.4720% | 2,093 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.1150% | 2,027 |
| Return on assets (ROA) | 1.1150% | 1,994 |
| Pretax return on assets | 1.5030% | 1,397 |
| Return on Equity (ROE) | 12.1700% | 1,983 |
| Retained earnings to average equity (ytd only) | 11.9096% | 817 |
| Net charge-offs to loans | 0.0025% | 2,174 |
| Credit loss provision to net charge-offs | 5,900.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 889.3333% | 176 |
| Efficiency ratio | 60.5617% | 3,044 |
| Assets per employee ($millions) | 6.6080% | 2,236 |
| Cash dividends to net income (ytd only)* | 2.1104% | 3,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 3,977 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 79.3300% | 590 |
| Net loans and leases to deposits | 87.8149% | 1,048 |
| Net loans and leases to core deposits | 91.1819% | 1,224 |
| Total domestic deposits to total assets | 90.3300% | 1,513 |
| Equity capital to assets | 9.4509% | 1,913 |
| Core capital (leverage) ratio | 9.6931% | 2,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2924% | 2,359 |
| Memoranda: | ||
| Average total assets | $220,972,750 | 2,911 |
| Average earning assets | $209,526,750 | 2,884 |
| Average equity | $20,252,000 | 2,974 |
| Average total loans | $161,065,500 | 2,539 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 1,295 |
| Cost of funding earning assets | 0.1672% | 3,352 |
| Net interest margin | 3.6412% | 1,005 |
| Noninterest income to average assets | 0.3388% | 3,128 |
| Noninterest expense to average assets | 2.4132% | 2,192 |
| Loan and lease loss provision to assets | 0.0811% | 1,213 |
| Net operating income to assets | 0.9633% | 2,298 |
| Return on assets (ROA) | 0.9633% | 2,274 |
| Pretax return on assets | 1.2976% | 1,759 |
| Return on Equity (ROE) | 10.6194% | 2,131 |
| Retained earnings to average equity (ytd only) | 10.2717% | 953 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6407% | 2,819 |
| Assets per employee ($millions) | 6.1422% | 2,620 |
| Cash dividends to net income (ytd only)* | 3.2741% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 4,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.6365% | 1,045 |
| Net loans and leases to deposits | 80.0907% | 1,381 |
| Net loans and leases to core deposits | 82.6760% | 1,547 |
| Total domestic deposits to total assets | 90.6928% | 1,383 |
| Equity capital to assets | 9.1485% | 2,285 |
| Core capital (leverage) ratio | 9.2463% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5800% | 2,262 |
| Memoranda: | ||
| Average total assets | $221,942,000 | 2,931 |
| Average earning assets | $210,477,667 | 2,914 |
| Average equity | $20,133,000 | 3,057 |
| Average total loans | $156,596,000 | 2,582 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6256% | 1,435 |
| Cost of funding earning assets | 0.1689% | 3,235 |
| Net interest margin | 3.4567% | 1,167 |
| Noninterest income to average assets | 0.3436% | 3,037 |
| Noninterest expense to average assets | 2.3494% | 2,341 |
| Loan and lease loss provision to assets | 0.0810% | 1,012 |
| Net operating income to assets | 0.8851% | 2,337 |
| Return on assets (ROA) | 0.8851% | 2,335 |
| Pretax return on assets | 1.1909% | 1,836 |
| Return on Equity (ROE) | 9.7984% | 2,047 |
| Retained earnings to average equity (ytd only) | 9.4797% | 1,150 |
| Net charge-offs to loans | 0.0026% | 1,706 |
| Credit loss provision to net charge-offs | 4,500.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 707.0000% | 137 |
| Efficiency ratio | 64.8783% | 2,929 |
| Assets per employee ($millions) | 6.1336% | 2,673 |
| Cash dividends to net income (ytd only)* | 3.2520% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 4,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 68.0350% | 1,209 |
| Net loans and leases to deposits | 74.7515% | 1,541 |
| Net loans and leases to core deposits | 76.8121% | 1,722 |
| Total domestic deposits to total assets | 91.0149% | 1,025 |
| Equity capital to assets | 8.8005% | 2,875 |
| Core capital (leverage) ratio | 9.4372% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6934% | 2,347 |
| Memoranda: | ||
| Average total assets | $222,353,500 | 2,945 |
| Average earning assets | $210,836,500 | 2,922 |
| Average equity | $20,085,000 | 3,137 |
| Average total loans | $153,884,000 | 2,598 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 1,973 |
| Cost of funding earning assets | 0.2180% | 3,282 |
| Net interest margin | 3.5363% | 1,635 |
| Noninterest income to average assets | 0.5504% | 2,361 |
| Noninterest expense to average assets | 2.3989% | 2,497 |
| Loan and lease loss provision to assets | 0.0254% | 2,555 |
| Net operating income to assets | 1.0910% | 2,331 |
| Return on assets (ROA) | 1.0910% | 2,400 |
| Pretax return on assets | 1.4690% | 1,820 |
| Return on Equity (ROE) | 11.1035% | 2,129 |
| Retained earnings to average equity (ytd only) | 6.7197% | 2,031 |
| Net charge-offs to loans | 0.0022% | 2,551 |
| Credit loss provision to net charge-offs | 1,733.3333% | 345 |
| Earnings coverage of net charge-offs (x) | 1,020.0000% | 147 |
| Efficiency ratio | 61.6157% | 2,922 |
| Assets per employee ($millions) | 6.5989% | 2,241 |
| Cash dividends to net income (ytd only)* | 39.4808% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8664% | 4,143 |
| Loan loss allowance to noncurrent loans | 131,700.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,213 |
| Noncurrent loans to loans | 0.0007% | 4,136 |
| Net loans and leases to total assets | 69.1984% | 1,133 |
| Net loans and leases to deposits | 76.6601% | 1,514 |
| Net loans and leases to core deposits | 78.8817% | 1,688 |
| Total domestic deposits to total assets | 90.2666% | 834 |
| Equity capital to assets | 9.2751% | 3,344 |
| Core capital (leverage) ratio | 9.4841% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6868% | 2,368 |
| Memoranda: | ||
| Average total assets | $204,762,400 | 3,028 |
| Average earning assets | $193,562,200 | 3,005 |
| Average equity | $20,119,800 | 3,207 |
| Average total loans | $137,474,000 | 2,755 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7667% | 2,103 |
| Cost of funding earning assets | 0.2283% | 3,342 |
| Net interest margin | 3.5383% | 1,762 |
| Noninterest income to average assets | 0.6418% | 2,046 |
| Noninterest expense to average assets | 2.4362% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1506% | 2,363 |
| Return on assets (ROA) | 1.1506% | 2,426 |
| Pretax return on assets | 1.5483% | 1,853 |
| Return on Equity (ROE) | 11.5352% | 2,199 |
| Retained earnings to average equity (ytd only) | 11.5352% | 937 |
| Net charge-offs to loans | 0.0020% | 2,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,170.0000% | 139 |
| Efficiency ratio | 61.1425% | 2,810 |
| Assets per employee ($millions) | 6.2822% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 4,168 |
| Loan loss allowance to noncurrent loans | 31,650.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,272 |
| Noncurrent loans to loans | 0.0028% | 4,202 |
| Net loans and leases to total assets | 67.8179% | 1,342 |
| Net loans and leases to deposits | 75.7703% | 1,690 |
| Net loans and leases to core deposits | 78.2099% | 1,882 |
| Total domestic deposits to total assets | 89.5047% | 1,007 |
| Equity capital to assets | 9.9831% | 2,921 |
| Core capital (leverage) ratio | 9.9003% | 2,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8819% | 2,012 |
| Memoranda: | ||
| Average total assets | $201,511,750 | 3,089 |
| Average earning assets | $190,366,500 | 3,056 |
| Average equity | $20,100,250 | 3,240 |
| Average total loans | $133,840,750 | 2,836 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6514% | 2,467 |
| Cost of funding earning assets | 0.2356% | 3,427 |
| Net interest margin | 3.4158% | 2,090 |
| Noninterest income to average assets | 0.7967% | 1,544 |
| Noninterest expense to average assets | 2.3981% | 2,475 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2055% | 2,173 |
| Return on assets (ROA) | 1.2055% | 2,242 |
| Pretax return on assets | 1.6244% | 1,671 |
| Return on Equity (ROE) | 12.0894% | 2,020 |
| Retained earnings to average equity (ytd only) | 12.0894% | 895 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6163% | 3,064 |
| Assets per employee ($millions) | 5.6296% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,069 |
| Loan loss allowance to noncurrent loans | 2,045.1613% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 4,047 |
| Noncurrent loans to loans | 0.0454% | 3,956 |
| Net loans and leases to total assets | 66.7275% | 1,608 |
| Net loans and leases to deposits | 74.5588% | 1,945 |
| Net loans and leases to core deposits | 76.5834% | 2,184 |
| Total domestic deposits to total assets | 89.4965% | 1,030 |
| Equity capital to assets | 10.0638% | 2,798 |
| Core capital (leverage) ratio | 10.0230% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4165% | 1,827 |
| Memoranda: | ||
| Average total assets | $199,578,667 | 3,105 |
| Average earning assets | $188,474,667 | 3,079 |
| Average equity | $19,901,667 | 3,252 |
| Average total loans | $131,167,667 | 2,885 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 2,571 |
| Cost of funding earning assets | 0.2482% | 3,493 |
| Net interest margin | 3.3744% | 2,177 |
| Noninterest income to average assets | 1.2584% | 795 |
| Noninterest expense to average assets | 2.3168% | 2,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5775% | 1,167 |
| Return on assets (ROA) | 1.5775% | 1,223 |
| Pretax return on assets | 2.1269% | 770 |
| Return on Equity (ROE) | 15.8946% | 1,038 |
| Retained earnings to average equity (ytd only) | 15.8946% | 534 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1364% | 3,979 |
| Assets per employee ($millions) | 6.5142% | 2,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,959 |
| Loan loss allowance to noncurrent loans | 1,981.2500% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,135 |
| Noncurrent loans to loans | 0.0490% | 4,040 |
| Net loans and leases to total assets | 63.9952% | 2,043 |
| Net loans and leases to deposits | 71.4368% | 2,370 |
| Net loans and leases to core deposits | 73.0211% | 2,613 |
| Total domestic deposits to total assets | 89.5830% | 1,029 |
| Equity capital to assets | 9.8955% | 2,803 |
| Core capital (leverage) ratio | 9.9972% | 2,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2923% | 1,815 |
| Memoranda: | ||
| Average total assets | $198,035,000 | 3,109 |
| Average earning assets | $186,939,500 | 3,080 |
| Average equity | $19,654,500 | 3,272 |
| Average total loans | $128,500,500 | 2,920 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 2,695 |
| Cost of funding earning assets | 0.3602% | 3,818 |
| Net interest margin | 3.6501% | 1,977 |
| Noninterest income to average assets | 0.3729% | 3,251 |
| Noninterest expense to average assets | 2.5828% | 2,611 |
| Loan and lease loss provision to assets | 0.0792% | 3,387 |
| Net operating income to assets | 0.8480% | 2,905 |
| Return on assets (ROA) | 0.8667% | 2,974 |
| Pretax return on assets | 1.1651% | 2,457 |
| Return on Equity (ROE) | 8.8261% | 2,459 |
| Retained earnings to average equity (ytd only) | 7.1588% | 1,336 |
| Net charge-offs to loans | 0.0093% | 2,986 |
| Credit loss provision to net charge-offs | 1,250.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 192.5833% | 482 |
| Efficiency ratio | 67.9072% | 2,247 |
| Assets per employee ($millions) | 5.8827% | 2,457 |
| Cash dividends to net income (ytd only)* | 18.8909% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 3,858 |
| Loan loss allowance to noncurrent loans | 1,950.7692% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 4,195 |
| Noncurrent loans to loans | 0.0514% | 4,088 |
| Net loans and leases to total assets | 64.5099% | 2,296 |
| Net loans and leases to deposits | 72.1019% | 2,675 |
| Net loans and leases to core deposits | 73.4526% | 2,956 |
| Total domestic deposits to total assets | 89.4705% | 779 |
| Equity capital to assets | 9.9552% | 3,171 |
| Core capital (leverage) ratio | 10.1130% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5489% | 1,668 |
| Memoranda: | ||
| Average total assets | $189,332,000 | 3,033 |
| Average earning assets | $177,939,000 | 3,016 |
| Average equity | $18,592,600 | 3,314 |
| Average total loans | $128,859,400 | 2,881 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,022 |
| Cost of funding earning assets | 0.3842% | 3,899 |
| Net interest margin | 3.5989% | 2,275 |
| Noninterest income to average assets | 0.3820% | 3,173 |
| Noninterest expense to average assets | 2.6137% | 2,498 |
| Loan and lease loss provision to assets | 0.1063% | 2,988 |
| Net operating income to assets | 0.7735% | 3,196 |
| Return on assets (ROA) | 0.7987% | 3,215 |
| Pretax return on assets | 1.0730% | 2,840 |
| Return on Equity (ROE) | 8.1624% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.1624% | 1,252 |
| Net charge-offs to loans | 0.0093% | 2,777 |
| Credit loss provision to net charge-offs | 1,666.6667% | 570 |
| Earnings coverage of net charge-offs (x) | 179.8889% | 522 |
| Efficiency ratio | 69.4931% | 1,961 |
| Assets per employee ($millions) | 5.5687% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 4,014 |
| Loan loss allowance to noncurrent loans | 1,842.0290% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 4,266 |
| Noncurrent loans to loans | 0.0498% | 4,175 |
| Net loans and leases to total assets | 74.6440% | 1,290 |
| Net loans and leases to deposits | 83.9202% | 1,922 |
| Net loans and leases to core deposits | 85.5864% | 2,335 |
| Total domestic deposits to total assets | 88.9463% | 793 |
| Equity capital to assets | 10.4181% | 2,860 |
| Core capital (leverage) ratio | 10.1637% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8873% | 1,862 |
| Memoranda: | ||
| Average total assets | $188,132,500 | 3,027 |
| Average earning assets | $176,641,500 | 3,012 |
| Average equity | $18,409,250 | 3,329 |
| Average total loans | $129,449,000 | 2,876 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9481% | 3,471 |
| Cost of funding earning assets | 0.4101% | 3,997 |
| Net interest margin | 3.5380% | 2,680 |
| Noninterest income to average assets | 0.3777% | 3,216 |
| Noninterest expense to average assets | 2.5782% | 2,743 |
| Loan and lease loss provision to assets | 0.0633% | 3,503 |
| Net operating income to assets | 0.7880% | 3,075 |
| Return on assets (ROA) | 0.7880% | 3,194 |
| Pretax return on assets | 1.0581% | 2,843 |
| Return on Equity (ROE) | 8.2251% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.2251% | 1,236 |
| Net charge-offs to loans | 0.0047% | 2,804 |
| Credit loss provision to net charge-offs | 2,000.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 354.3333% | 292 |
| Efficiency ratio | 69.6892% | 1,999 |
| Assets per employee ($millions) | 5.6946% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8869% | 4,045 |
| Loan loss allowance to noncurrent loans | 1,648.6111% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,352 |
| Noncurrent loans to loans | 0.0538% | 4,269 |
| Net loans and leases to total assets | 70.5903% | 1,939 |
| Net loans and leases to deposits | 79.0016% | 2,541 |
| Net loans and leases to core deposits | 80.3350% | 2,918 |
| Total domestic deposits to total assets | 89.3530% | 628 |
| Equity capital to assets | 9.9744% | 3,232 |
| Core capital (leverage) ratio | 10.0090% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7797% | 1,898 |
| Memoranda: | ||
| Average total assets | $189,587,667 | 2,993 |
| Average earning assets | $178,010,333 | 2,977 |
| Average equity | $18,164,000 | 3,348 |
| Average total loans | $126,451,333 | 2,901 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,709 |
| Cost of funding earning assets | 0.4467% | 4,166 |
| Net interest margin | 3.5828% | 2,724 |
| Noninterest income to average assets | 0.4054% | 3,053 |
| Noninterest expense to average assets | 2.8106% | 2,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7184% | 3,213 |
| Return on assets (ROA) | 0.7184% | 3,298 |
| Pretax return on assets | 0.9642% | 2,952 |
| Return on Equity (ROE) | 7.6536% | 2,655 |
| Retained earnings to average equity (ytd only) | 7.6536% | 1,329 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4574% | 1,753 |
| Assets per employee ($millions) | 5.6107% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9299% | 4,004 |
| Loan loss allowance to noncurrent loans | 1,793.6508% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 4,449 |
| Noncurrent loans to loans | 0.0518% | 4,341 |
| Net loans and leases to total assets | 65.0178% | 2,941 |
| Net loans and leases to deposits | 72.5955% | 3,395 |
| Net loans and leases to core deposits | 73.8301% | 3,645 |
| Total domestic deposits to total assets | 89.5617% | 453 |
| Equity capital to assets | 9.8178% | 3,945 |
| Core capital (leverage) ratio | 9.6311% | 3,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5642% | 2,053 |
| Memoranda: | ||
| Average total assets | $190,421,000 | 2,951 |
| Average earning assets | $179,075,500 | 2,932 |
| Average equity | $17,874,000 | 3,382 |
| Average total loans | $122,756,500 | 2,922 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 2,782 |
| Cost of funding earning assets | 0.5166% | 4,009 |
| Net interest margin | 4.0324% | 1,739 |
| Noninterest income to average assets | 0.3444% | 3,648 |
| Noninterest expense to average assets | 2.6788% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0541% | 2,640 |
| Return on assets (ROA) | 1.0541% | 2,734 |
| Pretax return on assets | 1.4189% | 2,089 |
| Return on Equity (ROE) | 11.5148% | 1,688 |
| Retained earnings to average equity (ytd only) | 9.6578% | 558 |
| Net charge-offs to loans | 0.0294% | 2,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 71.6389% | 872 |
| Efficiency ratio | 65.3733% | 2,862 |
| Assets per employee ($millions) | 5.4358% | 2,121 |
| Cash dividends to net income (ytd only)* | 16.1273% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 3,908 |
| Loan loss allowance to noncurrent loans | 1,765.6250% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,480 |
| Noncurrent loans to loans | 0.0516% | 4,339 |
| Net loans and leases to total assets | 62.7887% | 3,332 |
| Net loans and leases to deposits | 69.4267% | 3,714 |
| Net loans and leases to core deposits | 70.5910% | 3,933 |
| Total domestic deposits to total assets | 90.4389% | 207 |
| Equity capital to assets | 8.9786% | 4,692 |
| Core capital (leverage) ratio | 9.2978% | 4,284 |
| Tier 1 risk-based capital ratio | 13.2154% | 3,670 |
| Total risk-based capital ratio | 14.0673% | 3,776 |
| Memoranda: | ||
| Average total assets | $181,763,200 | 3,006 |
| Average earning assets | $169,179,000 | 3,001 |
| Average equity | $16,639,400 | 3,476 |
| Average total loans | $122,450,800 | 2,917 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 2,585 |
| Cost of funding earning assets | 0.5337% | 4,003 |
| Net interest margin | 4.1107% | 1,590 |
| Noninterest income to average assets | 0.3500% | 3,634 |
| Noninterest expense to average assets | 2.8105% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0059% | 2,960 |
| Return on assets (ROA) | 1.0059% | 3,040 |
| Pretax return on assets | 1.3529% | 2,483 |
| Return on Equity (ROE) | 10.9302% | 2,045 |
| Retained earnings to average equity (ytd only) | 10.9302% | 543 |
| Net charge-offs to loans | 0.0426% | 2,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 46.3835% | 1,253 |
| Efficiency ratio | 67.5049% | 2,500 |
| Assets per employee ($millions) | 5.1895% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,001 |
| Loan loss allowance to noncurrent loans | 1,295.4023% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,478 |
| Noncurrent loans to loans | 0.0703% | 4,318 |
| Net loans and leases to total assets | 67.5369% | 2,865 |
| Net loans and leases to deposits | 75.2661% | 3,367 |
| Net loans and leases to core deposits | 76.5388% | 3,659 |
| Total domestic deposits to total assets | 89.7308% | 361 |
| Equity capital to assets | 9.5655% | 4,411 |
| Core capital (leverage) ratio | 9.2525% | 4,423 |
| Tier 1 risk-based capital ratio | 13.1359% | 3,772 |
| Total risk-based capital ratio | 13.9942% | 3,881 |
| Memoranda: | ||
| Average total assets | $178,282,000 | 3,063 |
| Average earning assets | $165,387,250 | 3,064 |
| Average equity | $16,406,750 | 3,529 |
| Average total loans | $122,063,500 | 2,953 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 2,616 |
| Cost of funding earning assets | 0.5375% | 3,942 |
| Net interest margin | 4.0824% | 1,661 |
| Noninterest income to average assets | 0.3443% | 3,632 |
| Noninterest expense to average assets | 2.8674% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9291% | 3,171 |
| Return on assets (ROA) | 0.9291% | 3,233 |
| Pretax return on assets | 1.2497% | 2,753 |
| Return on Equity (ROE) | 10.2336% | 2,277 |
| Retained earnings to average equity (ytd only) | 10.2336% | 696 |
| Net charge-offs to loans | 0.0593% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 30.7500% | 1,441 |
| Efficiency ratio | 69.6463% | 2,283 |
| Assets per employee ($millions) | 5.3601% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 4,046 |
| Loan loss allowance to noncurrent loans | 1,228.2609% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 4,522 |
| Noncurrent loans to loans | 0.0742% | 4,343 |
| Net loans and leases to total assets | 65.5069% | 3,166 |
| Net loans and leases to deposits | 72.4434% | 3,647 |
| Net loans and leases to core deposits | 73.8389% | 3,903 |
| Total domestic deposits to total assets | 90.4250% | 207 |
| Equity capital to assets | 8.9423% | 4,826 |
| Core capital (leverage) ratio | 9.0944% | 4,556 |
| Tier 1 risk-based capital ratio | 12.1970% | 4,302 |
| Total risk-based capital ratio | 13.0211% | 4,432 |
| Memoranda: | ||
| Average total assets | $177,165,670 | 3,088 |
| Average earning assets | $163,728,330 | 3,093 |
| Average equity | $16,084,330 | 3,570 |
| Average total loans | $121,486,330 | 2,970 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 2,407 |
| Cost of funding earning assets | 0.5385% | 3,877 |
| Net interest margin | 4.1046% | 1,541 |
| Noninterest income to average assets | 0.3745% | 3,353 |
| Noninterest expense to average assets | 2.9846% | 2,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8561% | 3,423 |
| Return on assets (ROA) | 0.8561% | 3,467 |
| Pretax return on assets | 1.1492% | 2,980 |
| Return on Equity (ROE) | 9.3529% | 2,649 |
| Retained earnings to average equity (ytd only) | 9.3529% | 1,209 |
| Net charge-offs to loans | 0.0100% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 164.6667% | 467 |
| Efficiency ratio | 72.2003% | 2,012 |
| Assets per employee ($millions) | 5.1772% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 3,940 |
| Loan loss allowance to noncurrent loans | 1,237.2340% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0534% | 4,555 |
| Noncurrent loans to loans | 0.0774% | 4,416 |
| Net loans and leases to total assets | 68.3240% | 2,711 |
| Net loans and leases to deposits | 75.8038% | 3,276 |
| Net loans and leases to core deposits | 77.3701% | 3,570 |
| Total domestic deposits to total assets | 90.1327% | 403 |
| Equity capital to assets | 9.1475% | 4,582 |
| Core capital (leverage) ratio | 9.2892% | 4,378 |
| Tier 1 risk-based capital ratio | 12.2476% | 4,325 |
| Total risk-based capital ratio | 13.1231% | 4,438 |
| Memoranda: | ||
| Average total assets | $171,947,000 | 3,170 |
| Average earning assets | $157,481,500 | 3,189 |
| Average equity | $15,738,500 | 3,608 |
| Average total loans | $120,218,000 | 3,016 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5240% | 2,387 |
| Cost of funding earning assets | 0.4718% | 3,539 |
| Net interest margin | 4.0522% | 1,817 |
| Noninterest income to average assets | 0.3700% | 3,617 |
| Noninterest expense to average assets | 2.8312% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9445% | 3,264 |
| Return on assets (ROA) | 0.9445% | 3,258 |
| Pretax return on assets | 1.2694% | 2,620 |
| Return on Equity (ROE) | 10.6317% | 2,231 |
| Retained earnings to average equity (ytd only) | 8.1397% | 1,171 |
| Net charge-offs to loans | -0.0244% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0434% | 2,378 |
| Assets per employee ($millions) | 4.9373% | 2,576 |
| Cash dividends to net income (ytd only)* | 23.4395% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,810 |
| Loan loss allowance to noncurrent loans | 1,202.0619% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 4,554 |
| Noncurrent loans to loans | 0.0815% | 4,386 |
| Net loans and leases to total assets | 70.1974% | 2,539 |
| Net loans and leases to deposits | 77.8576% | 3,183 |
| Net loans and leases to core deposits | 79.5795% | 3,460 |
| Total domestic deposits to total assets | 90.1613% | 421 |
| Equity capital to assets | 9.1590% | 4,442 |
| Core capital (leverage) ratio | 9.4470% | 4,174 |
| Tier 1 risk-based capital ratio | 12.1178% | 4,350 |
| Total risk-based capital ratio | 13.0064% | 4,466 |
| Memoranda: | ||
| Average total assets | $166,217,600 | 3,206 |
| Average earning assets | $153,027,800 | 3,212 |
| Average equity | $14,767,200 | 3,663 |
| Average total loans | $114,583,400 | 3,067 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 2,467 |
| Cost of funding earning assets | 0.4442% | 3,570 |
| Net interest margin | 4.0041% | 1,943 |
| Noninterest income to average assets | 0.3980% | 3,494 |
| Noninterest expense to average assets | 2.8450% | 2,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9408% | 3,350 |
| Return on assets (ROA) | 0.9408% | 3,351 |
| Pretax return on assets | 1.2641% | 2,751 |
| Return on Equity (ROE) | 10.6735% | 2,313 |
| Retained earnings to average equity (ytd only) | 9.3051% | 1,117 |
| Net charge-offs to loans | -0.0341% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2368% | 2,319 |
| Assets per employee ($millions) | 4.7068% | 2,840 |
| Cash dividends to net income (ytd only)* | 12.8208% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,711 |
| Loan loss allowance to noncurrent loans | 574.8768% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 4,348 |
| Noncurrent loans to loans | 0.1752% | 4,107 |
| Net loans and leases to total assets | 69.6377% | 2,703 |
| Net loans and leases to deposits | 77.2451% | 3,301 |
| Net loans and leases to core deposits | 78.8170% | 3,582 |
| Total domestic deposits to total assets | 90.1516% | 459 |
| Equity capital to assets | 9.0162% | 4,534 |
| Core capital (leverage) ratio | 9.1034% | 4,611 |
| Tier 1 risk-based capital ratio | 12.2208% | 4,363 |
| Total risk-based capital ratio | 13.1281% | 4,450 |
| Memoranda: | ||
| Average total assets | $165,805,000 | 3,235 |
| Average earning assets | $153,671,750 | 3,227 |
| Average equity | $14,615,250 | 3,709 |
| Average total loans | $113,478,000 | 3,113 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,747 |
| Cost of funding earning assets | 0.4073% | 3,669 |
| Net interest margin | 3.8959% | 2,211 |
| Noninterest income to average assets | 0.3695% | 3,690 |
| Noninterest expense to average assets | 2.7552% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9401% | 3,275 |
| Return on assets (ROA) | 0.9401% | 3,280 |
| Pretax return on assets | 1.2638% | 2,653 |
| Return on Equity (ROE) | 10.7457% | 2,211 |
| Retained earnings to average equity (ytd only) | 10.7457% | 721 |
| Net charge-offs to loans | -0.0533% | 4,943 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5535% | 2,551 |
| Assets per employee ($millions) | 5.0100% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,904 |
| Loan loss allowance to noncurrent loans | 589.8990% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 4,416 |
| Noncurrent loans to loans | 0.1681% | 4,155 |
| Net loans and leases to total assets | 68.4666% | 2,798 |
| Net loans and leases to deposits | 77.3777% | 3,216 |
| Net loans and leases to core deposits | 78.3930% | 3,540 |
| Total domestic deposits to total assets | 88.4836% | 1,149 |
| Equity capital to assets | 8.6738% | 4,825 |
| Core capital (leverage) ratio | 9.5428% | 4,073 |
| Tier 1 risk-based capital ratio | 11.9151% | 4,551 |
| Total risk-based capital ratio | 12.8141% | 4,643 |
| Memoranda: | ||
| Average total assets | $166,161,000 | 3,253 |
| Average earning assets | $155,651,670 | 3,225 |
| Average equity | $14,536,000 | 3,742 |
| Average total loans | $112,675,330 | 3,131 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 2,819 |
| Cost of funding earning assets | 0.3834% | 3,708 |
| Net interest margin | 3.8368% | 2,275 |
| Noninterest income to average assets | 0.4266% | 3,274 |
| Noninterest expense to average assets | 2.8256% | 2,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9020% | 3,281 |
| Return on assets (ROA) | 0.9020% | 3,286 |
| Pretax return on assets | 1.2117% | 2,702 |
| Return on Equity (ROE) | 10.2660% | 2,291 |
| Retained earnings to average equity (ytd only) | 10.2660% | 1,079 |
| Net charge-offs to loans | -0.1053% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9879% | 2,484 |
| Assets per employee ($millions) | 4.9392% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 3,583 |
| Loan loss allowance to noncurrent loans | 239.6304% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 3,697 |
| Noncurrent loans to loans | 0.4436% | 3,199 |
| Net loans and leases to total assets | 64.6814% | 3,213 |
| Net loans and leases to deposits | 71.4487% | 3,663 |
| Net loans and leases to core deposits | 78.2985% | 3,470 |
| Total domestic deposits to total assets | 90.5284% | 465 |
| Equity capital to assets | 8.5778% | 4,920 |
| Core capital (leverage) ratio | 9.0427% | 4,632 |
| Tier 1 risk-based capital ratio | 11.8220% | 4,667 |
| Total risk-based capital ratio | 12.7375% | 4,765 |
| Memoranda: | ||
| Average total assets | $164,071,500 | 3,312 |
| Average earning assets | $154,398,500 | 3,273 |
| Average equity | $14,416,500 | 3,785 |
| Average total loans | $110,116,000 | 3,188 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 2,909 |
| Cost of funding earning assets | 0.3869% | 3,371 |
| Net interest margin | 3.7550% | 2,581 |
| Noninterest income to average assets | 0.3456% | 3,994 |
| Noninterest expense to average assets | 2.7637% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6399% | 3,854 |
| Return on assets (ROA) | 0.6415% | 3,883 |
| Pretax return on assets | 1.0959% | 3,202 |
| Return on Equity (ROE) | 7.2970% | 3,121 |
| Retained earnings to average equity (ytd only) | 6.2364% | 1,418 |
| Net charge-offs to loans | 0.1515% | 1,590 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 10.8580% | 2,626 |
| Efficiency ratio | 71.6519% | 2,285 |
| Assets per employee ($millions) | 4.5774% | 3,065 |
| Cash dividends to net income (ytd only)* | 14.5349% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 3,741 |
| Loan loss allowance to noncurrent loans | 288.8325% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 2,147 |
| Noncurrent loans to loans | 0.3567% | 3,491 |
| Net loans and leases to total assets | 68.2265% | 2,791 |
| Net loans and leases to deposits | 75.9521% | 3,330 |
| Net loans and leases to core deposits | 81.9476% | 3,246 |
| Total domestic deposits to total assets | 89.8283% | 630 |
| Equity capital to assets | 9.0057% | 4,719 |
| Core capital (leverage) ratio | 9.1401% | 4,473 |
| Tier 1 risk-based capital ratio | 11.6406% | 4,763 |
| Total risk-based capital ratio | 12.5418% | 4,862 |
| Memoranda: | ||
| Average total assets | $160,869,800 | 3,336 |
| Average earning assets | $150,440,000 | 3,319 |
| Average equity | $14,142,800 | 3,826 |
| Average total loans | $106,943,800 | 3,227 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 3,079 |
| Cost of funding earning assets | 0.3888% | 3,296 |
| Net interest margin | 3.6838% | 2,811 |
| Noninterest income to average assets | 0.3610% | 3,950 |
| Noninterest expense to average assets | 2.7654% | 2,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6462% | 4,207 |
| Return on assets (ROA) | 0.6483% | 4,253 |
| Pretax return on assets | 1.0424% | 3,517 |
| Return on Equity (ROE) | 7.4190% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.4190% | 1,476 |
| Net charge-offs to loans | 0.2011% | 1,060 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 7.8437% | 2,834 |
| Efficiency ratio | 72.6877% | 2,100 |
| Assets per employee ($millions) | 4.7883% | 2,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,796 |
| Loan loss allowance to noncurrent loans | 226.1905% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 2,176 |
| Noncurrent loans to loans | 0.4642% | 3,309 |
| Net loans and leases to total assets | 65.9937% | 3,106 |
| Net loans and leases to deposits | 73.3873% | 3,630 |
| Net loans and leases to core deposits | 77.8786% | 3,643 |
| Total domestic deposits to total assets | 89.9252% | 498 |
| Equity capital to assets | 8.9471% | 4,956 |
| Core capital (leverage) ratio | 9.0744% | 4,659 |
| Tier 1 risk-based capital ratio | 11.8649% | 4,719 |
| Total risk-based capital ratio | 12.7914% | 4,823 |
| Memoranda: | ||
| Average total assets | $161,035,000 | 3,362 |
| Average earning assets | $150,529,500 | 3,346 |
| Average equity | $14,071,500 | 3,874 |
| Average total loans | $106,069,000 | 3,271 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 3,087 |
| Cost of funding earning assets | 0.3861% | 3,220 |
| Net interest margin | 3.6455% | 2,856 |
| Noninterest income to average assets | 0.3553% | 4,016 |
| Noninterest expense to average assets | 2.7523% | 2,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6245% | 4,186 |
| Return on assets (ROA) | 0.6245% | 4,236 |
| Pretax return on assets | 1.0047% | 3,553 |
| Return on Equity (ROE) | 7.2052% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.2052% | 1,496 |
| Net charge-offs to loans | 0.3839% | 537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.9901% | 2,986 |
| Efficiency ratio | 73.2581% | 2,141 |
| Assets per employee ($millions) | 4.4847% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 4,017 |
| Loan loss allowance to noncurrent loans | 263.3094% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.7365% | 2,357 |
| Noncurrent loans to loans | 0.3882% | 3,634 |
| Net loans and leases to total assets | 65.8586% | 3,128 |
| Net loans and leases to deposits | 73.1717% | 3,630 |
| Net loans and leases to core deposits | 77.9188% | 3,605 |
| Total domestic deposits to total assets | 90.0055% | 535 |
| Equity capital to assets | 8.8870% | 5,003 |
| Core capital (leverage) ratio | 8.8234% | 4,924 |
| Tier 1 risk-based capital ratio | 11.6181% | 4,883 |
| Total risk-based capital ratio | 12.5090% | 4,996 |
| Memoranda: | ||
| Average total assets | $160,446,000 | 3,392 |
| Average earning assets | $149,718,000 | 3,375 |
| Average equity | $13,906,670 | 3,899 |
| Average total loans | $105,232,330 | 3,297 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 3,156 |
| Cost of funding earning assets | 0.3782% | 3,220 |
| Net interest margin | 3.5863% | 2,934 |
| Noninterest income to average assets | 0.3451% | 4,086 |
| Noninterest expense to average assets | 2.7785% | 2,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5652% | 4,307 |
| Return on assets (ROA) | 0.5652% | 4,352 |
| Pretax return on assets | 0.9103% | 3,728 |
| Return on Equity (ROE) | 6.6053% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.6053% | 2,024 |
| Net charge-offs to loans | 0.6184% | 287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.2609% | 2,618 |
| Efficiency ratio | 75.3220% | 2,015 |
| Assets per employee ($millions) | 4.8701% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 3,802 |
| Loan loss allowance to noncurrent loans | 266.1215% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 2,482 |
| Noncurrent loans to loans | 0.4071% | 3,633 |
| Net loans and leases to total assets | 62.8052% | 3,426 |
| Net loans and leases to deposits | 69.4664% | 3,858 |
| Net loans and leases to core deposits | 75.0527% | 3,738 |
| Total domestic deposits to total assets | 90.4110% | 505 |
| Equity capital to assets | 8.3987% | 5,305 |
| Core capital (leverage) ratio | 8.8557% | 4,895 |
| Tier 1 risk-based capital ratio | 11.3464% | 5,117 |
| Total risk-based capital ratio | 12.2667% | 5,207 |
| Memoranda: | ||
| Average total assets | $159,944,500 | 3,435 |
| Average earning assets | $149,121,000 | 3,411 |
| Average equity | $13,686,000 | 3,964 |
| Average total loans | $104,135,500 | 3,337 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 3,634 |
| Cost of funding earning assets | 0.3883% | 3,119 |
| Net interest margin | 3.4952% | 3,449 |
| Noninterest income to average assets | 0.3405% | 4,306 |
| Noninterest expense to average assets | 2.8801% | 2,745 |
| Loan and lease loss provision to assets | 0.0410% | 3,561 |
| Net operating income to assets | 0.4272% | 4,855 |
| Return on assets (ROA) | 0.4401% | 4,911 |
| Pretax return on assets | 0.7038% | 4,472 |
| Return on Equity (ROE) | 4.9130% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.1499% | 2,950 |
| Net charge-offs to loans | -0.0589% | 5,438 |
| Credit loss provision to net charge-offs | -108.6207% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8989% | 1,433 |
| Assets per employee ($millions) | 4.5384% | 3,060 |
| Cash dividends to net income (ytd only)* | 15.5325% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,758 |
| Loan loss allowance to noncurrent loans | 164.7655% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 1,873 |
| Noncurrent loans to loans | 0.7650% | 2,627 |
| Net loans and leases to total assets | 65.9970% | 3,075 |
| Net loans and leases to deposits | 73.3837% | 3,578 |
| Net loans and leases to core deposits | 77.2902% | 3,624 |
| Total domestic deposits to total assets | 89.9342% | 661 |
| Equity capital to assets | 8.7263% | 5,081 |
| Core capital (leverage) ratio | 8.8609% | 4,896 |
| Tier 1 risk-based capital ratio | 11.5733% | 5,005 |
| Total risk-based capital ratio | 12.6622% | 5,010 |
| Memoranda: | ||
| Average total assets | $153,604,400 | 3,463 |
| Average earning assets | $143,453,400 | 3,455 |
| Average equity | $13,759,400 | 3,974 |
| Average total loans | $98,456,600 | 3,414 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 3,764 |
| Cost of funding earning assets | 0.3838% | 3,191 |
| Net interest margin | 3.4676% | 3,600 |
| Noninterest income to average assets | 0.3928% | 3,972 |
| Noninterest expense to average assets | 2.8903% | 2,667 |
| Loan and lease loss provision to assets | 0.0547% | 3,165 |
| Net operating income to assets | 0.4312% | 4,930 |
| Return on assets (ROA) | 0.4484% | 4,965 |
| Pretax return on assets | 0.7169% | 4,564 |
| Return on Equity (ROE) | 4.9735% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.9735% | 2,847 |
| Net charge-offs to loans | 0.0069% | 3,675 |
| Credit loss provision to net charge-offs | 1,260.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 171.3103% | 423 |
| Efficiency ratio | 79.5123% | 1,493 |
| Assets per employee ($millions) | 4.4093% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 2,930 |
| Loan loss allowance to noncurrent loans | 153.4739% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 1.0581% | 1,947 |
| Noncurrent loans to loans | 0.8172% | 2,627 |
| Net loans and leases to total assets | 63.1099% | 3,507 |
| Net loans and leases to deposits | 70.5449% | 3,934 |
| Net loans and leases to core deposits | 75.0873% | 3,911 |
| Total domestic deposits to total assets | 89.4606% | 691 |
| Equity capital to assets | 9.2324% | 4,938 |
| Core capital (leverage) ratio | 8.7267% | 5,127 |
| Tier 1 risk-based capital ratio | 11.7066% | 4,976 |
| Total risk-based capital ratio | 12.7589% | 4,993 |
| Memoranda: | ||
| Average total assets | $153,429,500 | 3,485 |
| Average earning assets | $143,458,000 | 3,468 |
| Average equity | $13,833,000 | 3,996 |
| Average total loans | $97,286,750 | 3,446 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 3,738 |
| Cost of funding earning assets | 0.3771% | 3,281 |
| Net interest margin | 3.4834% | 3,546 |
| Noninterest income to average assets | 0.4232% | 3,711 |
| Noninterest expense to average assets | 2.8969% | 2,683 |
| Loan and lease loss provision to assets | 0.0823% | 2,491 |
| Net operating income to assets | 0.4388% | 4,911 |
| Return on assets (ROA) | 0.4388% | 4,994 |
| Pretax return on assets | 0.7014% | 4,617 |
| Return on Equity (ROE) | 4.9070% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.9070% | 2,790 |
| Net charge-offs to loans | 0.0124% | 3,296 |
| Credit loss provision to net charge-offs | 1,050.0000% | 361 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 581 |
| Efficiency ratio | 78.7083% | 1,688 |
| Assets per employee ($millions) | 4.3568% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,769 |
| Loan loss allowance to noncurrent loans | 151.1002% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 1,965 |
| Noncurrent loans to loans | 0.8620% | 2,584 |
| Net loans and leases to total assets | 61.4199% | 3,693 |
| Net loans and leases to deposits | 68.6104% | 4,124 |
| Net loans and leases to core deposits | 72.9242% | 4,089 |
| Total domestic deposits to total assets | 89.5198% | 670 |
| Equity capital to assets | 9.2493% | 5,024 |
| Core capital (leverage) ratio | 8.5413% | 5,328 |
| Tier 1 risk-based capital ratio | 11.8831% | 4,915 |
| Total risk-based capital ratio | 12.9646% | 4,914 |
| Memoranda: | ||
| Average total assets | $153,130,670 | 3,507 |
| Average earning assets | $143,194,000 | 3,490 |
| Average equity | $13,694,670 | 4,038 |
| Average total loans | $96,838,330 | 3,468 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8592% | 3,737 |
| Cost of funding earning assets | 0.3567% | 3,536 |
| Net interest margin | 3.5025% | 3,470 |
| Noninterest income to average assets | 0.3988% | 3,839 |
| Noninterest expense to average assets | 2.8100% | 3,029 |
| Loan and lease loss provision to assets | 0.1355% | 1,550 |
| Net operating income to assets | 0.4562% | 4,805 |
| Return on assets (ROA) | 0.4562% | 4,889 |
| Pretax return on assets | 0.7299% | 4,418 |
| Return on Equity (ROE) | 5.1890% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.1890% | 2,826 |
| Net charge-offs to loans | 0.0204% | 2,530 |
| Credit loss provision to net charge-offs | 1,040.0000% | 356 |
| Earnings coverage of net charge-offs (x) | 66.4000% | 726 |
| Efficiency ratio | 76.4539% | 2,113 |
| Assets per employee ($millions) | 4.3389% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 3,182 |
| Loan loss allowance to noncurrent loans | 217.3759% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 2,316 |
| Noncurrent loans to loans | 0.5751% | 3,469 |
| Net loans and leases to total assets | 63.7671% | 3,271 |
| Net loans and leases to deposits | 72.0891% | 3,644 |
| Net loans and leases to core deposits | 75.4214% | 3,737 |
| Total domestic deposits to total assets | 88.4560% | 1,374 |
| Equity capital to assets | 9.0411% | 5,131 |
| Core capital (leverage) ratio | 8.6689% | 5,211 |
| Tier 1 risk-based capital ratio | 11.9521% | 4,940 |
| Total risk-based capital ratio | 13.0439% | 4,957 |
| Memoranda: | ||
| Average total assets | $153,452,000 | 3,526 |
| Average earning assets | $143,553,500 | 3,501 |
| Average equity | $13,490,000 | 4,081 |
| Average total loans | $97,810,500 | 3,457 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 4,557 |
| Cost of funding earning assets | 0.3759% | 3,417 |
| Net interest margin | 3.2639% | 4,427 |
| Noninterest income to average assets | 0.3589% | 4,334 |
| Noninterest expense to average assets | 2.8518% | 3,025 |
| Loan and lease loss provision to assets | 0.0696% | 2,890 |
| Net operating income to assets | 0.5672% | 4,435 |
| Return on assets (ROA) | 0.5912% | 4,412 |
| Pretax return on assets | 0.4627% | 5,194 |
| Return on Equity (ROE) | 6.6612% | 3,706 |
| Retained earnings to average equity (ytd only) | 5.6841% | 1,962 |
| Net charge-offs to loans | 0.3097% | 975 |
| Credit loss provision to net charge-offs | 38.7324% | 3,544 |
| Earnings coverage of net charge-offs (x) | 2.8275% | 3,817 |
| Efficiency ratio | 84.8719% | 1,102 |
| Assets per employee ($millions) | 4.5601% | 2,946 |
| Cash dividends to net income (ytd only)* | 14.6681% | 3,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 3,434 |
| Loan loss allowance to noncurrent loans | 206.1189% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9404% | 2,320 |
| Noncurrent loans to loans | 0.5863% | 3,415 |
| Net loans and leases to total assets | 62.1625% | 3,537 |
| Net loans and leases to deposits | 71.4594% | 3,770 |
| Net loans and leases to core deposits | 75.1204% | 3,838 |
| Total domestic deposits to total assets | 86.9900% | 2,147 |
| Equity capital to assets | 8.5461% | 5,528 |
| Core capital (leverage) ratio | 8.3915% | 5,531 |
| Tier 1 risk-based capital ratio | 11.8007% | 5,069 |
| Total risk-based capital ratio | 12.8510% | 5,100 |
| Memoranda: | ||
| Average total assets | $157,973,000 | 3,459 |
| Average earning assets | $145,254,400 | 3,468 |
| Average equity | $14,021,600 | 3,970 |
| Average total loans | $91,712,600 | 3,557 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5831% | 4,789 |
| Cost of funding earning assets | 0.3823% | 3,403 |
| Net interest margin | 3.2007% | 4,665 |
| Noninterest income to average assets | 0.4150% | 3,968 |
| Noninterest expense to average assets | 2.8875% | 2,890 |
| Loan and lease loss provision to assets | 0.0252% | 3,763 |
| Net operating income to assets | 0.6603% | 4,079 |
| Return on assets (ROA) | 0.6922% | 4,045 |
| Pretax return on assets | 0.4671% | 5,302 |
| Return on Equity (ROE) | 7.7290% | 3,216 |
| Retained earnings to average equity (ytd only) | 7.2506% | 1,573 |
| Net charge-offs to loans | 0.1522% | 1,617 |
| Credit loss provision to net charge-offs | 29.1262% | 3,279 |
| Earnings coverage of net charge-offs (x) | 5.3204% | 3,223 |
| Efficiency ratio | 86.2484% | 985 |
| Assets per employee ($millions) | 5.0943% | 2,186 |
| Cash dividends to net income (ytd only)* | 6.1895% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 2,786 |
| Loan loss allowance to noncurrent loans | 183.1187% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3190% | 1,776 |
| Noncurrent loans to loans | 0.7429% | 3,105 |
| Net loans and leases to total assets | 58.7660% | 4,047 |
| Net loans and leases to deposits | 68.2626% | 4,164 |
| Net loans and leases to core deposits | 76.2998% | 3,770 |
| Total domestic deposits to total assets | 86.0882% | 2,479 |
| Equity capital to assets | 9.0924% | 5,218 |
| Core capital (leverage) ratio | 8.8771% | 5,145 |
| Tier 1 risk-based capital ratio | 12.5177% | 4,743 |
| Total risk-based capital ratio | 13.6495% | 4,734 |
| Memoranda: | ||
| Average total assets | $158,705,750 | 3,481 |
| Average earning assets | $145,421,750 | 3,498 |
| Average equity | $14,214,500 | 3,988 |
| Average total loans | $90,251,500 | 3,618 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 4,861 |
| Cost of funding earning assets | 0.3878% | 3,393 |
| Net interest margin | 3.1604% | 4,786 |
| Noninterest income to average assets | 0.4441% | 3,749 |
| Noninterest expense to average assets | 2.8874% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8593% | 3,087 |
| Return on assets (ROA) | 0.8920% | 3,050 |
| Pretax return on assets | 0.4705% | 5,302 |
| Return on Equity (ROE) | 10.0096% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.5296% | 772 |
| Net charge-offs to loans | 0.1236% | 1,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.3273% | 2,800 |
| Efficiency ratio | 86.8331% | 991 |
| Assets per employee ($millions) | 4.8434% | 2,484 |
| Cash dividends to net income (ytd only)* | 4.7955% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 2,591 |
| Loan loss allowance to noncurrent loans | 173.0667% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 1,870 |
| Noncurrent loans to loans | 0.8284% | 3,052 |
| Net loans and leases to total assets | 55.8296% | 4,359 |
| Net loans and leases to deposits | 64.4999% | 4,489 |
| Net loans and leases to core deposits | 70.8316% | 4,242 |
| Total domestic deposits to total assets | 86.5577% | 2,397 |
| Equity capital to assets | 8.7830% | 5,449 |
| Core capital (leverage) ratio | 8.9054% | 5,089 |
| Tier 1 risk-based capital ratio | 12.7631% | 4,647 |
| Total risk-based capital ratio | 13.9415% | 4,613 |
| Memoranda: | ||
| Average total assets | $158,966,670 | 3,504 |
| Average earning assets | $144,919,670 | 3,527 |
| Average equity | $14,166,330 | 4,017 |
| Average total loans | $88,973,670 | 3,663 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5468% | 4,841 |
| Cost of funding earning assets | 0.3794% | 3,532 |
| Net interest margin | 3.1674% | 4,726 |
| Noninterest income to average assets | 0.5248% | 3,123 |
| Noninterest expense to average assets | 2.8259% | 3,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6055% | 4,266 |
| Return on assets (ROA) | 0.6711% | 4,067 |
| Pretax return on assets | 0.6711% | 4,685 |
| Return on Equity (ROE) | 7.4769% | 3,232 |
| Retained earnings to average equity (ytd only) | 6.9991% | 2,015 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 1,575 |
| Assets per employee ($millions) | 4.4805% | 3,081 |
| Cash dividends to net income (ytd only)* | 6.3910% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5570% | 2,203 |
| Loan loss allowance to noncurrent loans | 193.4286% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 1.8863% | 1,286 |
| Noncurrent loans to loans | 0.8050% | 3,232 |
| Net loans and leases to total assets | 54.5890% | 4,360 |
| Net loans and leases to deposits | 63.2689% | 4,458 |
| Net loans and leases to core deposits | 68.7184% | 4,266 |
| Total domestic deposits to total assets | 86.2810% | 2,778 |
| Equity capital to assets | 8.9638% | 5,336 |
| Core capital (leverage) ratio | 8.7027% | 5,326 |
| Tier 1 risk-based capital ratio | 13.4684% | 4,340 |
| Total risk-based capital ratio | 14.7193% | 4,259 |
| Memoranda: | ||
| Average total assets | $158,534,500 | 3,527 |
| Average earning assets | $145,481,500 | 3,545 |
| Average equity | $14,230,500 | 4,038 |
| Average total loans | $88,195,000 | 3,694 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4150% | 5,502 |
| Cost of funding earning assets | 0.4361% | 3,323 |
| Net interest margin | 2.9789% | 5,488 |
| Noninterest income to average assets | 0.5118% | 3,409 |
| Noninterest expense to average assets | 3.1070% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1460% | 5,887 |
| Return on assets (ROA) | 0.1578% | 5,904 |
| Pretax return on assets | 0.1578% | 5,929 |
| Return on Equity (ROE) | 1.7845% | 5,822 |
| Retained earnings to average equity (ytd only) | 0.0134% | 5,757 |
| Net charge-offs to loans | 0.1895% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.5061% | 4,404 |
| Efficiency ratio | 95.5124% | 522 |
| Assets per employee ($millions) | 4.7132% | 2,706 |
| Cash dividends to net income (ytd only)* | 99.2509% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 2,411 |
| Loan loss allowance to noncurrent loans | 311.2644% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 1.6805% | 1,597 |
| Noncurrent loans to loans | 0.4864% | 4,205 |
| Net loans and leases to total assets | 54.9616% | 4,456 |
| Net loans and leases to deposits | 63.6857% | 4,556 |
| Net loans and leases to core deposits | 69.4124% | 4,373 |
| Total domestic deposits to total assets | 86.3014% | 2,671 |
| Equity capital to assets | 8.9885% | 5,305 |
| Core capital (leverage) ratio | 9.0637% | 4,885 |
| Tier 1 risk-based capital ratio | 14.4386% | 3,810 |
| Total risk-based capital ratio | 15.6896% | 3,748 |
| Memoranda: | ||
| Average total assets | $169,197,200 | 3,355 |
| Average earning assets | $155,697,000 | 3,347 |
| Average equity | $14,962,200 | 3,846 |
| Average total loans | $86,546,600 | 3,705 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 5,670 |
| Cost of funding earning assets | 0.4525% | 3,218 |
| Net interest margin | 2.9010% | 5,698 |
| Noninterest income to average assets | 0.5709% | 3,063 |
| Noninterest expense to average assets | 3.2408% | 2,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0023% | 6,137 |
| Return on assets (ROA) | 0.0179% | 6,144 |
| Pretax return on assets | 0.0179% | 6,133 |
| Return on Equity (ROE) | 0.2031% | 6,135 |
| Retained earnings to average equity (ytd only) | -1.5186% | 6,033 |
| Net charge-offs to loans | 0.1119% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.0417% | 4,441 |
| Efficiency ratio | 99.9281% | 369 |
| Assets per employee ($millions) | 4.8333% | 2,474 |
| Cash dividends to net income (ytd only)* | 847.7013% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6947% | 1,989 |
| Loan loss allowance to noncurrent loans | 199.5856% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 1.9041% | 1,537 |
| Noncurrent loans to loans | 0.8491% | 3,444 |
| Net loans and leases to total assets | 52.5514% | 4,747 |
| Net loans and leases to deposits | 58.3275% | 5,078 |
| Net loans and leases to core deposits | 67.5589% | 4,549 |
| Total domestic deposits to total assets | 90.0971% | 690 |
| Equity capital to assets | 8.5430% | 5,768 |
| Core capital (leverage) ratio | 8.7035% | 5,432 |
| Tier 1 risk-based capital ratio | 14.8133% | 3,697 |
| Total risk-based capital ratio | 16.0669% | 3,630 |
| Memoranda: | ||
| Average total assets | $171,434,000 | 3,344 |
| Average earning assets | $157,917,750 | 3,335 |
| Average equity | $15,101,750 | 3,834 |
| Average total loans | $85,825,750 | 3,758 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 5,789 |
| Cost of funding earning assets | 0.4709% | 3,103 |
| Net interest margin | 2.8315% | 5,848 |
| Noninterest income to average assets | 0.6818% | 2,368 |
| Noninterest expense to average assets | 3.3920% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1049% | 6,261 |
| Return on assets (ROA) | -0.1311% | 6,290 |
| Pretax return on assets | -0.1311% | 6,279 |
| Return on Equity (ROE) | -1.4750% | 6,305 |
| Retained earnings to average equity (ytd only) | -2.9756% | 6,097 |
| Net charge-offs to loans | 0.0279% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -7.6667% | 4,306 |
| Efficiency ratio | 103.1911% | 330 |
| Assets per employee ($millions) | 5.4413% | 1,749 |
| Cash dividends to net income (ytd only)* | -101.7391% | 6,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 1,747 |
| Loan loss allowance to noncurrent loans | 181.3253% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 1.9425% | 1,659 |
| Noncurrent loans to loans | 1.0110% | 3,213 |
| Net loans and leases to total assets | 49.3721% | 5,030 |
| Net loans and leases to deposits | 56.0762% | 5,183 |
| Net loans and leases to core deposits | 64.4600% | 4,772 |
| Total domestic deposits to total assets | 88.0446% | 1,874 |
| Equity capital to assets | 9.7795% | 4,388 |
| Core capital (leverage) ratio | 9.5861% | 4,197 |
| Tier 1 risk-based capital ratio | 17.5996% | 2,386 |
| Total risk-based capital ratio | 18.8546% | 2,353 |
| Memoranda: | ||
| Average total assets | $175,412,330 | 3,304 |
| Average earning assets | $161,398,000 | 3,302 |
| Average equity | $15,593,670 | 3,756 |
| Average total loans | $86,013,000 | 3,767 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2285% | 5,966 |
| Cost of funding earning assets | 0.5044% | 2,856 |
| Net interest margin | 2.7241% | 6,074 |
| Noninterest income to average assets | 1.0226% | 1,079 |
| Noninterest expense to average assets | 3.8898% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3438% | 6,419 |
| Return on assets (ROA) | -0.3879% | 6,429 |
| Pretax return on assets | -0.3879% | 6,423 |
| Return on Equity (ROE) | -4.5689% | 6,455 |
| Retained earnings to average equity (ytd only) | -5.4515% | 6,151 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6955% | 274 |
| Assets per employee ($millions) | 4.1180% | 3,686 |
| Cash dividends to net income (ytd only)* | -19.3182% | 6,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 1,936 |
| Loan loss allowance to noncurrent loans | 668.2819% | 737 |
| Noncurrent assets plus other real estate owned to assets | 2.0300% | 1,674 |
| Noncurrent loans to loans | 0.2749% | 5,282 |
| Net loans and leases to total assets | 46.8628% | 5,244 |
| Net loans and leases to deposits | 52.7105% | 5,413 |
| Net loans and leases to core deposits | 60.3450% | 5,005 |
| Total domestic deposits to total assets | 88.9060% | 1,720 |
| Equity capital to assets | 8.9184% | 5,205 |
| Core capital (leverage) ratio | 9.1421% | 4,805 |
| Tier 1 risk-based capital ratio | 17.0806% | 2,656 |
| Total risk-based capital ratio | 18.3349% | 2,599 |
| Memoranda: | ||
| Average total assets | $181,498,500 | 3,259 |
| Average earning assets | $168,128,500 | 3,239 |
| Average equity | $15,408,500 | 3,794 |
| Average total loans | $87,969,500 | 3,751 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 5,241 |
| Cost of funding earning assets | 0.7353% | 1,591 |
| Net interest margin | 2.9263% | 5,738 |
| Noninterest income to average assets | 2.7224% | 251 |
| Noninterest expense to average assets | 5.1032% | 323 |
| Loan and lease loss provision to assets | 0.1740% | 2,124 |
| Net operating income to assets | 0.1311% | 5,975 |
| Return on assets (ROA) | 0.1430% | 6,020 |
| Pretax return on assets | 0.1430% | 6,023 |
| Return on Equity (ROE) | 1.6100% | 5,955 |
| Retained earnings to average equity (ytd only) | 0.8570% | 5,454 |
| Net charge-offs to loans | 0.4205% | 1,589 |
| Credit loss provision to net charge-offs | 70.3297% | 3,300 |
| Earnings coverage of net charge-offs (x) | 1.2330% | 4,658 |
| Efficiency ratio | 94.3590% | 725 |
| Assets per employee ($millions) | 3.1673% | 5,554 |
| Cash dividends to net income (ytd only)* | 46.7681% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6247% | 2,665 |
| Loan loss allowance to noncurrent loans | 509.0604% | 953 |
| Noncurrent assets plus other real estate owned to assets | 1.8849% | 1,930 |
| Noncurrent loans to loans | 0.3192% | 5,232 |
| Net loans and leases to total assets | 48.3332% | 5,258 |
| Net loans and leases to deposits | 55.4387% | 5,354 |
| Net loans and leases to core deposits | 62.9481% | 4,973 |
| Total domestic deposits to total assets | 87.1832% | 2,631 |
| Equity capital to assets | 8.0994% | 5,937 |
| Core capital (leverage) ratio | 9.0268% | 4,955 |
| Tier 1 risk-based capital ratio | 16.4087% | 2,898 |
| Total risk-based capital ratio | 17.6625% | 2,855 |
| Memoranda: | ||
| Average total assets | $183,885,000 | 3,234 |
| Average earning assets | $168,782,200 | 3,232 |
| Average equity | $16,335,600 | 3,649 |
| Average total loans | $108,209,200 | 3,282 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 5,212 |
| Cost of funding earning assets | 0.7530% | 1,581 |
| Net interest margin | 2.9291% | 5,745 |
| Noninterest income to average assets | 3.1317% | 225 |
| Noninterest expense to average assets | 5.3582% | 273 |
| Loan and lease loss provision to assets | 0.2340% | 1,546 |
| Net operating income to assets | 0.2186% | 5,868 |
| Return on assets (ROA) | 0.2186% | 5,947 |
| Pretax return on assets | 0.2186% | 6,012 |
| Return on Equity (ROE) | 2.4057% | 5,821 |
| Retained earnings to average equity (ytd only) | 2.4057% | 4,888 |
| Net charge-offs to loans | 0.4384% | 1,467 |
| Credit loss provision to net charge-offs | 86.9565% | 2,693 |
| Earnings coverage of net charge-offs (x) | 1.6821% | 4,275 |
| Efficiency ratio | 92.2109% | 842 |
| Assets per employee ($millions) | 3.1418% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 3,644 |
| Loan loss allowance to noncurrent loans | 367.0481% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 2.2124% | 1,800 |
| Noncurrent loans to loans | 0.3975% | 5,197 |
| Net loans and leases to total assets | 60.4897% | 3,623 |
| Net loans and leases to deposits | 70.2784% | 3,744 |
| Net loans and leases to core deposits | 85.4298% | 2,475 |
| Total domestic deposits to total assets | 86.0716% | 3,212 |
| Equity capital to assets | 8.8117% | 5,405 |
| Core capital (leverage) ratio | 8.9676% | 5,171 |
| Tier 1 risk-based capital ratio | 15.0621% | 3,713 |
| Total risk-based capital ratio | 16.3151% | 3,661 |
| Memoranda: | ||
| Average total assets | $182,346,500 | 3,278 |
| Average earning assets | $166,784,750 | 3,288 |
| Average equity | $16,571,500 | 3,659 |
| Average total loans | $111,919,250 | 3,228 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 5,261 |
| Cost of funding earning assets | 0.7548% | 1,671 |
| Net interest margin | 2.9045% | 5,793 |
| Noninterest income to average assets | 3.3734% | 215 |
| Noninterest expense to average assets | 5.4842% | 265 |
| Loan and lease loss provision to assets | 0.2617% | 1,416 |
| Net operating income to assets | 0.2791% | 5,669 |
| Return on assets (ROA) | 0.2791% | 5,805 |
| Pretax return on assets | 0.2791% | 5,927 |
| Return on Equity (ROE) | 3.0412% | 5,607 |
| Retained earnings to average equity (ytd only) | 3.0412% | 4,383 |
| Net charge-offs to loans | 0.7053% | 926 |
| Credit loss provision to net charge-offs | 60.4534% | 3,009 |
| Earnings coverage of net charge-offs (x) | 1.2494% | 4,129 |
| Efficiency ratio | 91.0242% | 978 |
| Assets per employee ($millions) | 3.1244% | 5,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 4,218 |
| Loan loss allowance to noncurrent loans | 1,115.6716% | 424 |
| Noncurrent assets plus other real estate owned to assets | 1.9030% | 2,276 |
| Noncurrent loans to loans | 0.1218% | 6,023 |
| Net loans and leases to total assets | 58.8730% | 3,843 |
| Net loans and leases to deposits | 68.2444% | 3,972 |
| Net loans and leases to core deposits | 80.1132% | 3,008 |
| Total domestic deposits to total assets | 86.2678% | 3,223 |
| Equity capital to assets | 8.7734% | 5,473 |
| Core capital (leverage) ratio | 8.9625% | 5,057 |
| Tier 1 risk-based capital ratio | 14.5633% | 4,060 |
| Total risk-based capital ratio | 15.8141% | 4,028 |
| Memoranda: | ||
| Average total assets | $183,435,330 | 3,283 |
| Average earning assets | $167,465,330 | 3,299 |
| Average equity | $16,835,330 | 3,645 |
| Average total loans | $112,582,670 | 3,221 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 4,994 |
| Cost of funding earning assets | 0.7773% | 1,660 |
| Net interest margin | 2.9716% | 5,651 |
| Noninterest income to average assets | 3.5697% | 204 |
| Noninterest expense to average assets | 5.4257% | 276 |
| Loan and lease loss provision to assets | 0.2623% | 1,355 |
| Net operating income to assets | 0.5727% | 4,346 |
| Return on assets (ROA) | 0.5727% | 4,495 |
| Pretax return on assets | 0.5727% | 5,039 |
| Return on Equity (ROE) | 6.1049% | 3,984 |
| Retained earnings to average equity (ytd only) | 6.1049% | 2,621 |
| Net charge-offs to loans | 1.3244% | 424 |
| Credit loss provision to net charge-offs | 31.8302% | 2,866 |
| Earnings coverage of net charge-offs (x) | 1.0133% | 3,501 |
| Efficiency ratio | 86.6620% | 1,444 |
| Assets per employee ($millions) | 3.0334% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,621 |
| Loan loss allowance to noncurrent loans | 738.0952% | 612 |
| Noncurrent assets plus other real estate owned to assets | 2.0890% | 2,248 |
| Noncurrent loans to loans | 0.1781% | 5,959 |
| Net loans and leases to total assets | 57.5248% | 3,841 |
| Net loans and leases to deposits | 67.2763% | 3,874 |
| Net loans and leases to core deposits | 78.2672% | 3,026 |
| Total domestic deposits to total assets | 85.5053% | 3,793 |
| Equity capital to assets | 9.4563% | 4,913 |
| Core capital (leverage) ratio | 9.3167% | 4,371 |
| Tier 1 risk-based capital ratio | 14.7200% | 4,020 |
| Total risk-based capital ratio | 15.9612% | 3,995 |
| Memoranda: | ||
| Average total assets | $182,982,500 | 3,311 |
| Average earning assets | $165,704,000 | 3,352 |
| Average equity | $17,166,500 | 3,639 |
| Average total loans | $113,863,000 | 3,210 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3825% | 3,882 |
| Cost of funding earning assets | 0.8955% | 1,962 |
| Net interest margin | 3.4870% | 4,547 |
| Noninterest income to average assets | 3.7601% | 195 |
| Noninterest expense to average assets | 6.0380% | 219 |
| Loan and lease loss provision to assets | 0.2890% | 2,355 |
| Net operating income to assets | 0.6411% | 4,031 |
| Return on assets (ROA) | 0.6688% | 4,164 |
| Pretax return on assets | 0.6441% | 4,839 |
| Return on Equity (ROE) | 6.7784% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.7784% | 1,678 |
| Net charge-offs to loans | 0.1236% | 4,443 |
| Credit loss provision to net charge-offs | 347.8261% | 703 |
| Earnings coverage of net charge-offs (x) | 10.8986% | 2,091 |
| Efficiency ratio | 86.9603% | 1,333 |
| Assets per employee ($millions) | 2.8744% | 6,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,361 |
| Loan loss allowance to noncurrent loans | 248.7952% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 2.3472% | 2,092 |
| Noncurrent loans to loans | 0.5459% | 5,165 |
| Net loans and leases to total assets | 65.2212% | 2,667 |
| Net loans and leases to deposits | 76.1359% | 2,782 |
| Net loans and leases to core deposits | 87.9130% | 2,096 |
| Total domestic deposits to total assets | 85.6643% | 3,527 |
| Equity capital to assets | 9.3075% | 5,145 |
| Core capital (leverage) ratio | 9.4953% | 4,110 |
| Tier 1 risk-based capital ratio | 13.6030% | 4,670 |
| Total risk-based capital ratio | 14.8547% | 4,619 |
| Memoranda: | ||
| Average total assets | $166,114,800 | 3,519 |
| Average earning assets | $151,647,400 | 3,516 |
| Average equity | $16,390,400 | 3,728 |
| Average total loans | $111,648,800 | 3,261 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 3,870 |
| Cost of funding earning assets | 0.9221% | 2,033 |
| Net interest margin | 3.5201% | 4,564 |
| Noninterest income to average assets | 3.5119% | 203 |
| Noninterest expense to average assets | 5.8791% | 224 |
| Loan and lease loss provision to assets | 0.2969% | 2,211 |
| Net operating income to assets | 0.5757% | 4,493 |
| Return on assets (ROA) | 0.5963% | 4,674 |
| Pretax return on assets | 0.5963% | 5,179 |
| Return on Equity (ROE) | 5.9477% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.9477% | 2,729 |
| Net charge-offs to loans | 0.1454% | 3,947 |
| Credit loss provision to net charge-offs | 302.5210% | 891 |
| Earnings coverage of net charge-offs (x) | 8.8909% | 2,385 |
| Efficiency ratio | 87.0755% | 1,298 |
| Assets per employee ($millions) | 2.6820% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 4,873 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 2.4266% | 2,186 |
| Noncurrent loans to loans | 0.4679% | 5,517 |
| Net loans and leases to total assets | 70.4168% | 1,825 |
| Net loans and leases to deposits | 83.5122% | 1,928 |
| Net loans and leases to core deposits | 104.0435% | 863 |
| Total domestic deposits to total assets | 84.3191% | 4,072 |
| Equity capital to assets | 9.9903% | 4,507 |
| Core capital (leverage) ratio | 9.4551% | 4,344 |
| Tier 1 risk-based capital ratio | 13.8599% | 4,640 |
| Total risk-based capital ratio | 15.1108% | 4,600 |
| Memoranda: | ||
| Average total assets | $161,653,500 | 3,623 |
| Average earning assets | $148,780,250 | 3,613 |
| Average equity | $16,207,500 | 3,787 |
| Average total loans | $109,152,750 | 3,340 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 4,056 |
| Cost of funding earning assets | 0.9418% | 2,106 |
| Net interest margin | 3.4896% | 4,721 |
| Noninterest income to average assets | 2.8929% | 257 |
| Noninterest expense to average assets | 5.3035% | 309 |
| Loan and lease loss provision to assets | 0.3015% | 2,176 |
| Net operating income to assets | 0.4949% | 4,840 |
| Return on assets (ROA) | 0.4962% | 5,087 |
| Pretax return on assets | 0.4962% | 5,443 |
| Return on Equity (ROE) | 4.9426% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.9426% | 3,305 |
| Net charge-offs to loans | 0.1746% | 3,551 |
| Credit loss provision to net charge-offs | 260.8696% | 1,103 |
| Earnings coverage of net charge-offs (x) | 6.8913% | 2,565 |
| Efficiency ratio | 86.9440% | 1,344 |
| Assets per employee ($millions) | 2.7035% | 6,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 4,840 |
| Loan loss allowance to noncurrent loans | 304.3841% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 2.3297% | 2,397 |
| Noncurrent loans to loans | 0.4314% | 5,672 |
| Net loans and leases to total assets | 66.4403% | 2,583 |
| Net loans and leases to deposits | 78.6932% | 2,563 |
| Net loans and leases to core deposits | 96.3422% | 1,404 |
| Total domestic deposits to total assets | 84.4296% | 4,122 |
| Equity capital to assets | 9.9330% | 4,445 |
| Core capital (leverage) ratio | 9.6179% | 3,966 |
| Tier 1 risk-based capital ratio | 14.0962% | 4,370 |
| Total risk-based capital ratio | 15.3468% | 4,336 |
| Memoranda: | ||
| Average total assets | $159,216,670 | 3,680 |
| Average earning assets | $146,320,000 | 3,673 |
| Average equity | $15,983,330 | 3,805 |
| Average total loans | $105,360,330 | 3,451 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 4,360 |
| Cost of funding earning assets | 0.9713% | 2,147 |
| Net interest margin | 3.4206% | 5,026 |
| Noninterest income to average assets | 2.4967% | 303 |
| Noninterest expense to average assets | 4.8783% | 403 |
| Loan and lease loss provision to assets | 0.3070% | 2,049 |
| Net operating income to assets | 0.4374% | 5,099 |
| Return on assets (ROA) | 0.4400% | 5,278 |
| Pretax return on assets | 0.4400% | 5,616 |
| Return on Equity (ROE) | 4.3587% | 5,113 |
| Retained earnings to average equity (ytd only) | 4.3587% | 3,978 |
| Net charge-offs to loans | -0.0897% | 6,750 |
| Credit loss provision to net charge-offs | -521.7391% | 5,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7607% | 1,406 |
| Assets per employee ($millions) | 3.0103% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 4,757 |
| Loan loss allowance to noncurrent loans | 583.5341% | 603 |
| Noncurrent assets plus other real estate owned to assets | 1.9222% | 3,017 |
| Noncurrent loans to loans | 0.2335% | 6,227 |
| Net loans and leases to total assets | 67.1954% | 2,257 |
| Net loans and leases to deposits | 80.7110% | 2,097 |
| Net loans and leases to core deposits | 96.6747% | 1,238 |
| Total domestic deposits to total assets | 83.2543% | 4,831 |
| Equity capital to assets | 10.1440% | 3,929 |
| Core capital (leverage) ratio | 9.8633% | 3,550 |
| Tier 1 risk-based capital ratio | 14.6427% | 3,990 |
| Total risk-based capital ratio | 15.8938% | 3,952 |
| Memoranda: | ||
| Average total assets | $156,367,500 | 3,757 |
| Average earning assets | $142,898,500 | 3,763 |
| Average equity | $15,784,500 | 3,848 |
| Average total loans | $102,526,500 | 3,528 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 4,634 |
| Cost of funding earning assets | 1.1048% | 2,637 |
| Net interest margin | 3.5065% | 5,120 |
| Noninterest income to average assets | 1.2299% | 863 |
| Noninterest expense to average assets | 4.2015% | 805 |
| Loan and lease loss provision to assets | 0.3514% | 2,894 |
| Net operating income to assets | -0.1040% | 6,168 |
| Return on assets (ROA) | 0.2784% | 5,491 |
| Pretax return on assets | 0.2784% | 5,613 |
| Return on Equity (ROE) | 3.1817% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.1817% | 3,952 |
| Net charge-offs to loans | 0.4800% | 3,075 |
| Credit loss provision to net charge-offs | 121.1401% | 2,617 |
| Earnings coverage of net charge-offs (x) | 0.8527% | 5,160 |
| Efficiency ratio | 94.4401% | 895 |
| Assets per employee ($millions) | 3.9050% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 4,744 |
| Loan loss allowance to noncurrent loans | 1,110.1695% | 368 |
| Noncurrent assets plus other real estate owned to assets | 2.0685% | 2,879 |
| Noncurrent loans to loans | 0.1199% | 6,512 |
| Net loans and leases to total assets | 62.1675% | 3,570 |
| Net loans and leases to deposits | 76.7410% | 3,049 |
| Net loans and leases to core deposits | 89.8846% | 2,143 |
| Total domestic deposits to total assets | 81.0095% | 5,442 |
| Equity capital to assets | 10.0449% | 4,115 |
| Core capital (leverage) ratio | 10.3196% | 2,945 |
| Tier 1 risk-based capital ratio | 16.0202% | 3,037 |
| Total risk-based capital ratio | 17.2713% | 2,989 |
| Memoranda: | ||
| Average total assets | $145,139,000 | 3,886 |
| Average earning assets | $133,239,600 | 3,865 |
| Average equity | $12,697,600 | 4,395 |
| Average total loans | $87,716,800 | 3,918 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 4,736 |
| Cost of funding earning assets | 1.1496% | 2,634 |
| Net interest margin | 3.4823% | 5,256 |
| Noninterest income to average assets | 0.8175% | 1,972 |
| Noninterest expense to average assets | 3.8751% | 1,193 |
| Loan and lease loss provision to assets | 0.1311% | 4,790 |
| Net operating income to assets | 0.0225% | 6,125 |
| Return on assets (ROA) | 0.2416% | 5,728 |
| Pretax return on assets | 0.2416% | 5,822 |
| Return on Equity (ROE) | 2.8787% | 5,469 |
| Retained earnings to average equity (ytd only) | 2.8787% | 4,633 |
| Net charge-offs to loans | 0.2493% | 3,869 |
| Credit loss provision to net charge-offs | 88.0503% | 3,849 |
| Earnings coverage of net charge-offs (x) | 1.0315% | 4,856 |
| Efficiency ratio | 96.1878% | 809 |
| Assets per employee ($millions) | 3.7625% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 5,019 |
| Loan loss allowance to noncurrent loans | 985.2459% | 368 |
| Noncurrent assets plus other real estate owned to assets | 2.4505% | 2,629 |
| Noncurrent loans to loans | 0.1318% | 6,610 |
| Net loans and leases to total assets | 60.6974% | 4,004 |
| Net loans and leases to deposits | 74.8131% | 3,545 |
| Net loans and leases to core deposits | 86.3306% | 2,732 |
| Total domestic deposits to total assets | 81.1321% | 5,388 |
| Equity capital to assets | 10.6446% | 3,521 |
| Core capital (leverage) ratio | 10.6166% | 2,740 |
| Tier 1 risk-based capital ratio | 16.6180% | 2,802 |
| Total risk-based capital ratio | 17.8688% | 2,765 |
| Memoranda: | ||
| Average total assets | $142,374,000 | 3,956 |
| Average earning assets | $131,288,500 | 3,930 |
| Average equity | $11,949,500 | 4,581 |
| Average total loans | $85,042,250 | 4,032 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6588% | 4,709 |
| Cost of funding earning assets | 1.2035% | 2,557 |
| Net interest margin | 3.4553% | 5,341 |
| Noninterest income to average assets | 0.7504% | 2,260 |
| Noninterest expense to average assets | 3.7561% | 1,435 |
| Loan and lease loss provision to assets | 0.0644% | 5,499 |
| Net operating income to assets | 0.1160% | 5,974 |
| Return on assets (ROA) | 0.2449% | 5,704 |
| Pretax return on assets | 0.2449% | 5,822 |
| Return on Equity (ROE) | 3.2286% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.2286% | 4,211 |
| Net charge-offs to loans | 0.2108% | 3,884 |
| Credit loss provision to net charge-offs | 51.7241% | 4,540 |
| Earnings coverage of net charge-offs (x) | 1.4483% | 4,201 |
| Efficiency ratio | 95.4165% | 907 |
| Assets per employee ($millions) | 3.9597% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 4,384 |
| Loan loss allowance to noncurrent loans | 974.3802% | 383 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 3,893 |
| Noncurrent loans to loans | 0.1481% | 6,611 |
| Net loans and leases to total assets | 56.5016% | 4,899 |
| Net loans and leases to deposits | 67.7208% | 4,754 |
| Net loans and leases to core deposits | 79.1057% | 3,913 |
| Total domestic deposits to total assets | 83.4332% | 4,568 |
| Equity capital to assets | 7.9495% | 6,713 |
| Core capital (leverage) ratio | 7.5929% | 6,678 |
| Tier 1 risk-based capital ratio | 12.2661% | 5,552 |
| Total risk-based capital ratio | 13.5166% | 5,538 |
| Memoranda: | ||
| Average total assets | $139,665,670 | 4,032 |
| Average earning assets | $128,787,330 | 4,015 |
| Average equity | $10,592,670 | 4,901 |
| Average total loans | $82,539,330 | 4,141 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 5,137 |
| Cost of funding earning assets | 1.2445% | 2,542 |
| Net interest margin | 3.3135% | 5,731 |
| Noninterest income to average assets | 0.7264% | 2,412 |
| Noninterest expense to average assets | 3.7736% | 1,383 |
| Loan and lease loss provision to assets | 0.0868% | 4,921 |
| Net operating income to assets | -0.0752% | 6,434 |
| Return on assets (ROA) | 0.0955% | 6,159 |
| Pretax return on assets | 0.0955% | 6,176 |
| Return on Equity (ROE) | 1.2912% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.2912% | 5,311 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6942% | 758 |
| Assets per employee ($millions) | 3.8953% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 4,079 |
| Loan loss allowance to noncurrent loans | 96.8266% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.6858% | 3,723 |
| Noncurrent loans to loans | 1.5758% | 4,114 |
| Net loans and leases to total assets | 57.5757% | 4,710 |
| Net loans and leases to deposits | 68.6142% | 4,595 |
| Net loans and leases to core deposits | 81.9161% | 3,468 |
| Total domestic deposits to total assets | 83.9123% | 4,523 |
| Equity capital to assets | 7.3165% | 6,963 |
| Core capital (leverage) ratio | 7.7328% | 6,527 |
| Tier 1 risk-based capital ratio | 11.9075% | 5,772 |
| Total risk-based capital ratio | 13.1590% | 5,765 |
| Memoranda: | ||
| Average total assets | $138,223,500 | 4,091 |
| Average earning assets | $127,600,500 | 4,072 |
| Average equity | $10,223,000 | 4,984 |
| Average total loans | $82,948,000 | 4,165 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 5,161 |
| Cost of funding earning assets | 1.5314% | 2,472 |
| Net interest margin | 3.3366% | 5,849 |
| Noninterest income to average assets | 1.1712% | 1,077 |
| Noninterest expense to average assets | 3.9145% | 1,297 |
| Loan and lease loss provision to assets | 0.4018% | 3,705 |
| Net operating income to assets | -0.0814% | 5,962 |
| Return on assets (ROA) | 0.1590% | 5,567 |
| Pretax return on assets | 0.1590% | 5,575 |
| Return on Equity (ROE) | 1.9145% | 5,413 |
| Retained earnings to average equity (ytd only) | 1.9145% | 4,522 |
| Net charge-offs to loans | 0.6233% | 3,160 |
| Credit loss provision to net charge-offs | 100.1934% | 4,548 |
| Earnings coverage of net charge-offs (x) | 0.7988% | 5,330 |
| Efficiency ratio | 92.4359% | 1,152 |
| Assets per employee ($millions) | 3.6815% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 4,253 |
| Loan loss allowance to noncurrent loans | 436.0714% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.9933% | 5,021 |
| Noncurrent loans to loans | 0.3337% | 6,387 |
| Net loans and leases to total assets | 60.7014% | 4,546 |
| Net loans and leases to deposits | 72.6907% | 4,394 |
| Net loans and leases to core deposits | 82.1592% | 3,890 |
| Total domestic deposits to total assets | 83.5063% | 4,600 |
| Equity capital to assets | 7.4778% | 6,889 |
| Core capital (leverage) ratio | 7.9288% | 6,290 |
| Tier 1 risk-based capital ratio | 12.4814% | 5,038 |
| Total risk-based capital ratio | 13.7336% | 5,023 |
| Memoranda: | ||
| Average total assets | $128,932,200 | 4,294 |
| Average earning assets | $118,385,600 | 4,267 |
| Average equity | $10,707,600 | 4,932 |
| Average total loans | $82,946,200 | 4,247 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 5,211 |
| Cost of funding earning assets | 1.5800% | 2,510 |
| Net interest margin | 3.3316% | 5,921 |
| Noninterest income to average assets | 1.1370% | 1,081 |
| Noninterest expense to average assets | 3.8107% | 1,362 |
| Loan and lease loss provision to assets | 0.3608% | 3,728 |
| Net operating income to assets | 0.0199% | 5,957 |
| Return on assets (ROA) | 0.3451% | 5,163 |
| Pretax return on assets | 0.3451% | 5,388 |
| Return on Equity (ROE) | 4.0474% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.0474% | 3,630 |
| Net charge-offs to loans | 0.7657% | 2,511 |
| Credit loss provision to net charge-offs | 72.4211% | 5,355 |
| Earnings coverage of net charge-offs (x) | 0.7642% | 5,299 |
| Efficiency ratio | 90.9159% | 1,214 |
| Assets per employee ($millions) | 3.7587% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2750% | 5,081 |
| Loan loss allowance to noncurrent loans | 182.8571% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3720% | 4,425 |
| Noncurrent loans to loans | 0.6973% | 5,818 |
| Net loans and leases to total assets | 64.0394% | 4,124 |
| Net loans and leases to deposits | 78.0766% | 3,813 |
| Net loans and leases to core deposits | 93.4748% | 2,597 |
| Total domestic deposits to total assets | 82.0212% | 4,981 |
| Equity capital to assets | 8.4725% | 6,306 |
| Core capital (leverage) ratio | 8.2205% | 6,007 |
| Tier 1 risk-based capital ratio | 11.9726% | 5,487 |
| Total risk-based capital ratio | 13.1825% | 5,501 |
| Memoranda: | ||
| Average total assets | $127,111,250 | 4,391 |
| Average earning assets | $116,537,000 | 4,371 |
| Average equity | $10,838,000 | 4,962 |
| Average total loans | $82,706,250 | 4,331 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8817% | 5,480 |
| Cost of funding earning assets | 1.6163% | 2,567 |
| Net interest margin | 3.2655% | 6,118 |
| Noninterest income to average assets | 0.8931% | 1,715 |
| Noninterest expense to average assets | 3.6026% | 1,775 |
| Loan and lease loss provision to assets | 0.1751% | 5,114 |
| Net operating income to assets | 0.1130% | 5,824 |
| Return on assets (ROA) | 0.3375% | 5,190 |
| Pretax return on assets | 0.3375% | 5,398 |
| Return on Equity (ROE) | 3.9496% | 4,798 |
| Retained earnings to average equity (ytd only) | 3.9496% | 3,566 |
| Net charge-offs to loans | 0.6330% | 2,647 |
| Credit loss provision to net charge-offs | 42.4710% | 5,564 |
| Earnings coverage of net charge-offs (x) | 0.6988% | 5,046 |
| Efficiency ratio | 92.5941% | 1,154 |
| Assets per employee ($millions) | 3.9242% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 5,075 |
| Loan loss allowance to noncurrent loans | 99.5349% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.2764% | 4,596 |
| Noncurrent loans to loans | 1.2776% | 4,827 |
| Net loans and leases to total assets | 64.1459% | 4,237 |
| Net loans and leases to deposits | 78.4217% | 3,898 |
| Net loans and leases to core deposits | 91.2094% | 3,093 |
| Total domestic deposits to total assets | 81.7961% | 5,070 |
| Equity capital to assets | 8.6255% | 5,982 |
| Core capital (leverage) ratio | 8.3148% | 5,736 |
| Tier 1 risk-based capital ratio | 11.9383% | 5,364 |
| Total risk-based capital ratio | 13.1383% | 5,387 |
| Memoranda: | ||
| Average total assets | $125,630,000 | 4,456 |
| Average earning assets | $115,328,330 | 4,432 |
| Average equity | $10,735,330 | 4,992 |
| Average total loans | $81,830,000 | 4,390 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 5,136 |
| Cost of funding earning assets | 1.6689% | 2,546 |
| Net interest margin | 3.3061% | 5,950 |
| Noninterest income to average assets | 0.6112% | 3,199 |
| Noninterest expense to average assets | 3.4310% | 2,154 |
| Loan and lease loss provision to assets | 0.1455% | 5,094 |
| Net operating income to assets | 0.0776% | 6,086 |
| Return on assets (ROA) | 0.3622% | 5,139 |
| Pretax return on assets | 0.3622% | 5,406 |
| Return on Equity (ROE) | 4.2594% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.2594% | 3,596 |
| Net charge-offs to loans | 0.3669% | 2,946 |
| Credit loss provision to net charge-offs | 60.8108% | 4,279 |
| Earnings coverage of net charge-offs (x) | 0.9324% | 4,213 |
| Efficiency ratio | 93.8938% | 1,137 |
| Assets per employee ($millions) | 4.3284% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 3,976 |
| Loan loss allowance to noncurrent loans | 93.7746% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.4714% | 4,301 |
| Noncurrent loans to loans | 1.5849% | 4,364 |
| Net loans and leases to total assets | 62.8379% | 4,573 |
| Net loans and leases to deposits | 76.8600% | 4,244 |
| Net loans and leases to core deposits | 87.8342% | 3,643 |
| Total domestic deposits to total assets | 81.7563% | 5,174 |
| Equity capital to assets | 8.4590% | 6,061 |
| Core capital (leverage) ratio | 8.5325% | 5,319 |
| Tier 1 risk-based capital ratio | 11.9763% | 5,218 |
| Total risk-based capital ratio | 13.2203% | 5,185 |
| Memoranda: | ||
| Average total assets | $123,695,000 | 4,543 |
| Average earning assets | $113,850,500 | 4,522 |
| Average equity | $10,518,000 | 5,094 |
| Average total loans | $80,675,500 | 4,483 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 5,688 |
| Cost of funding earning assets | 2.0423% | 2,762 |
| Net interest margin | 3.1489% | 6,229 |
| Noninterest income to average assets | 0.6975% | 2,997 |
| Noninterest expense to average assets | 3.6993% | 1,918 |
| Loan and lease loss provision to assets | 0.6051% | 3,372 |
| Net operating income to assets | -0.7308% | 6,393 |
| Return on assets (ROA) | -0.5109% | 6,183 |
| Pretax return on assets | -0.5109% | 6,019 |
| Return on Equity (ROE) | -5.0612% | 6,216 |
| Retained earnings to average equity (ytd only) | -5.0612% | 6,027 |
| Net charge-offs to loans | 0.4007% | 4,221 |
| Credit loss provision to net charge-offs | 225.0859% | 1,661 |
| Earnings coverage of net charge-offs (x) | -0.4674% | 6,666 |
| Efficiency ratio | 103.5160% | 965 |
| Assets per employee ($millions) | 4.3524% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 3,733 |
| Loan loss allowance to noncurrent loans | 100.1643% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 1.4672% | 4,198 |
| Noncurrent loans to loans | 1.4972% | 4,422 |
| Net loans and leases to total assets | 65.6995% | 4,234 |
| Net loans and leases to deposits | 80.7312% | 3,853 |
| Net loans and leases to core deposits | 116.5376% | 2,263 |
| Total domestic deposits to total assets | 81.3805% | 5,201 |
| Equity capital to assets | 8.5487% | 5,812 |
| Core capital (leverage) ratio | 8.9225% | 4,553 |
| Tier 1 risk-based capital ratio | 11.8772% | 5,055 |
| Total risk-based capital ratio | 13.1291% | 5,015 |
| Memoranda: | ||
| Average total assets | $108,238,000 | 4,870 |
| Average earning assets | $98,859,400 | 4,869 |
| Average equity | $10,926,200 | 5,041 |
| Average total loans | $72,614,800 | 4,776 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2752% | 5,545 |
| Cost of funding earning assets | 2.1212% | 2,797 |
| Net interest margin | 3.1540% | 6,160 |
| Noninterest income to average assets | 0.6817% | 3,144 |
| Noninterest expense to average assets | 3.7838% | 1,625 |
| Loan and lease loss provision to assets | 0.4897% | 3,456 |
| Net operating income to assets | -0.7173% | 6,618 |
| Return on assets (ROA) | -0.5456% | 6,471 |
| Pretax return on assets | -0.5456% | 6,348 |
| Return on Equity (ROE) | -5.1749% | 6,474 |
| Retained earnings to average equity (ytd only) | -5.1749% | 6,280 |
| Net charge-offs to loans | 0.5545% | 3,018 |
| Credit loss provision to net charge-offs | 131.3993% | 3,808 |
| Earnings coverage of net charge-offs (x) | -0.6109% | 6,527 |
| Efficiency ratio | 106.4020% | 845 |
| Assets per employee ($millions) | 3.8475% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 4,431 |
| Loan loss allowance to noncurrent loans | 108.3524% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 4,403 |
| Noncurrent loans to loans | 1.2097% | 4,922 |
| Net loans and leases to total assets | 61.7766% | 5,281 |
| Net loans and leases to deposits | 73.3010% | 5,471 |
| Net loans and leases to core deposits | 108.8260% | 3,366 |
| Total domestic deposits to total assets | 84.2780% | 3,590 |
| Equity capital to assets | 9.4244% | 4,852 |
| Core capital (leverage) ratio | 9.3946% | 4,060 |
| Tier 1 risk-based capital ratio | 13.3548% | 3,955 |
| Total risk-based capital ratio | 14.5535% | 3,931 |
| Memoranda: | ||
| Average total assets | $104,830,750 | 4,995 |
| Average earning assets | $95,539,000 | 4,992 |
| Average equity | $11,053,250 | 5,059 |
| Average total loans | $70,447,250 | 4,899 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3983% | 5,166 |
| Cost of funding earning assets | 2.1797% | 2,886 |
| Net interest margin | 3.2185% | 5,844 |
| Noninterest income to average assets | 0.7167% | 2,889 |
| Noninterest expense to average assets | 3.9507% | 1,399 |
| Loan and lease loss provision to assets | 0.4028% | 3,511 |
| Net operating income to assets | -0.7127% | 6,766 |
| Return on assets (ROA) | -0.4956% | 6,554 |
| Pretax return on assets | -0.4956% | 6,420 |
| Return on Equity (ROE) | -4.5178% | 6,551 |
| Retained earnings to average equity (ytd only) | -4.5178% | 6,222 |
| Net charge-offs to loans | 0.0057% | 6,527 |
| Credit loss provision to net charge-offs | 10,200.0000% | 42 |
| Earnings coverage of net charge-offs (x) | -78.5000% | 6,609 |
| Efficiency ratio | 108.5141% | 891 |
| Assets per employee ($millions) | 3.2471% | 5,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 3,209 |
| Loan loss allowance to noncurrent loans | 84.0223% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 4,672 |
| Noncurrent loans to loans | 1.7838% | 3,826 |
| Net loans and leases to total assets | 62.9195% | 5,197 |
| Net loans and leases to deposits | 75.3033% | 5,275 |
| Net loans and leases to core deposits | 106.3783% | 3,796 |
| Total domestic deposits to total assets | 83.5548% | 3,986 |
| Equity capital to assets | 9.8213% | 4,190 |
| Core capital (leverage) ratio | 9.8552% | 3,446 |
| Tier 1 risk-based capital ratio | 14.1747% | 3,419 |
| Total risk-based capital ratio | 15.4285% | 3,353 |
| Memoranda: | ||
| Average total assets | $101,299,670 | 5,127 |
| Average earning assets | $92,029,670 | 5,122 |
| Average equity | $11,111,670 | 5,055 |
| Average total loans | $69,845,670 | 4,965 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6632% | 3,977 |
| Cost of funding earning assets | 2.2232% | 3,046 |
| Net interest margin | 3.4400% | 4,973 |
| Noninterest income to average assets | 0.5912% | 3,615 |
| Noninterest expense to average assets | 3.8326% | 1,412 |
| Loan and lease loss provision to assets | 0.3969% | 2,946 |
| Net operating income to assets | -0.5292% | 6,905 |
| Return on assets (ROA) | -0.0744% | 6,488 |
| Pretax return on assets | -0.0744% | 6,456 |
| Return on Equity (ROE) | -0.6402% | 6,484 |
| Retained earnings to average equity (ytd only) | -0.6402% | 5,794 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5754% | 997 |
| Assets per employee ($millions) | 3.0321% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 3,819 |
| Loan loss allowance to noncurrent loans | 73.7781% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 4,179 |
| Noncurrent loans to loans | 1.8244% | 3,526 |
| Net loans and leases to total assets | 67.6131% | 4,220 |
| Net loans and leases to deposits | 83.6419% | 4,036 |
| Net loans and leases to core deposits | 120.7878% | 2,348 |
| Total domestic deposits to total assets | 80.8363% | 5,030 |
| Equity capital to assets | 10.8516% | 3,120 |
| Core capital (leverage) ratio | 10.9594% | 2,531 |
| Tier 1 risk-based capital ratio | 14.4400% | 3,341 |
| Total risk-based capital ratio | 15.6929% | 3,266 |
| Memoranda: | ||
| Average total assets | $96,748,000 | 5,281 |
| Average earning assets | $87,441,500 | 5,305 |
| Average equity | $11,246,000 | 5,041 |
| Average total loans | $69,507,500 | 5,002 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8628% | 6,223 |
| Cost of funding earning assets | 2.5649% | 3,878 |
| Net interest margin | 3.2979% | 6,043 |
| Noninterest income to average assets | 0.3973% | 5,495 |
| Noninterest expense to average assets | 3.7678% | 1,817 |
| Loan and lease loss provision to assets | 0.3190% | 3,822 |
| Net operating income to assets | -0.6096% | 7,009 |
| Return on assets (ROA) | -0.6198% | 6,914 |
| Pretax return on assets | -0.6198% | 6,759 |
| Return on Equity (ROE) | -4.9715% | 6,864 |
| Retained earnings to average equity (ytd only) | -4.9715% | 6,510 |
| Net charge-offs to loans | 0.1191% | 5,067 |
| Credit loss provision to net charge-offs | 390.2778% | 1,136 |
| Earnings coverage of net charge-offs (x) | -3.5556% | 6,794 |
| Efficiency ratio | 108.3578% | 748 |
| Assets per employee ($millions) | 3.2288% | 5,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 4,129 |
| Loan loss allowance to noncurrent loans | 982.7586% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 7,193 |
| Noncurrent loans to loans | 0.1273% | 7,032 |
| Net loans and leases to total assets | 74.6706% | 2,950 |
| Net loans and leases to deposits | 86.1628% | 4,099 |
| Net loans and leases to core deposits | 118.2304% | 2,859 |
| Total domestic deposits to total assets | 86.6622% | 2,111 |
| Equity capital to assets | 12.5048% | 2,010 |
| Core capital (leverage) ratio | 12.1468% | 1,902 |
| Tier 1 risk-based capital ratio | 14.7769% | 3,161 |
| Total risk-based capital ratio | 15.9284% | 3,136 |
| Memoranda: | ||
| Average total assets | $88,089,600 | 5,415 |
| Average earning assets | $82,265,000 | 5,363 |
| Average equity | $10,982,600 | 5,127 |
| Average total loans | $60,460,600 | 5,245 |