Home > The Fidelity State Bank and Trust Company > Performance and Condition Ratios
The Fidelity State Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 4,307 |
| Cost of funding earning assets | 0.6126% | 4,050 |
| Net interest margin | 3.0484% | 3,182 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 1.8419% | 3,930 |
| Loan and lease loss provision to assets | -0.1200% | 4,532 |
| Net operating income to assets | 1.3187% | 1,396 |
| Return on assets (ROA) | 1.4251% | 1,140 |
| Pretax return on assets | 1.8660% | 808 |
| Return on Equity (ROE) | 7.8200% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.7748% | 2,329 |
| Net charge-offs to loans | -0.0338% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.3101% | 3,729 |
| Assets per employee ($millions) | 7.1476% | 1,975 |
| Cash dividends to net income (ytd only)* | 26.1728% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4588% | 86 |
| Loan loss allowance to noncurrent loans | 1,691.1111% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,554 |
| Noncurrent loans to loans | 0.2045% | 2,491 |
| Net loans and leases to total assets | 11.0100% | 4,446 |
| Net loans and leases to deposits | 13.7415% | 4,448 |
| Net loans and leases to core deposits | 13.9928% | 4,469 |
| Total domestic deposits to total assets | 80.1000% | 3,446 |
| Equity capital to assets | 19.4451% | 300 |
| Core capital (leverage) ratio | 20.2166% | 264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 118.2101% | 61 |
| Memoranda: | ||
| Average total assets | $198,928,400 | 3,000 |
| Average earning assets | $189,508,400 | 2,951 |
| Average equity | $36,243,600 | 2,010 |
| Average total loans | $23,641,800 | 4,241 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 4,250 |
| Cost of funding earning assets | 0.5816% | 4,002 |
| Net interest margin | 3.0820% | 3,171 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.6632% | 4,171 |
| Loan and lease loss provision to assets | -0.1300% | 4,559 |
| Net operating income to assets | 1.4823% | 1,156 |
| Return on assets (ROA) | 1.6226% | 890 |
| Pretax return on assets | 2.1302% | 618 |
| Return on Equity (ROE) | 9.0500% | 2,912 |
| Retained earnings to average equity (ytd only) | 9.0525% | 1,666 |
| Net charge-offs to loans | -0.0443% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.7737% | 4,062 |
| Assets per employee ($millions) | 6.7759% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4769% | 81 |
| Loan loss allowance to noncurrent loans | 1,657.1429% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 3,551 |
| Noncurrent loans to loans | 0.2098% | 2,512 |
| Net loans and leases to total assets | 11.8800% | 4,469 |
| Net loans and leases to deposits | 14.7764% | 4,473 |
| Net loans and leases to core deposits | 15.0269% | 4,459 |
| Total domestic deposits to total assets | 80.4100% | 3,473 |
| Equity capital to assets | 19.3512% | 302 |
| Core capital (leverage) ratio | 19.8600% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 117.0781% | 59 |
| Memoranda: | ||
| Average total assets | $200,414,500 | 2,992 |
| Average earning assets | $190,951,000 | 2,946 |
| Average equity | $35,923,000 | 2,013 |
| Average total loans | $24,051,750 | 4,251 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 4,257 |
| Cost of funding earning assets | 0.5382% | 3,909 |
| Net interest margin | 3.0565% | 3,310 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 1.6139% | 4,247 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 1.3990% | 1,336 |
| Return on assets (ROA) | 1.6051% | 943 |
| Pretax return on assets | 2.1159% | 605 |
| Return on Equity (ROE) | 9.1800% | 2,933 |
| Retained earnings to average equity (ytd only) | 9.1813% | 1,637 |
| Net charge-offs to loans | -0.0577% | 4,407 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.6686% | 4,132 |
| Assets per employee ($millions) | 7.4644% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7001% | 51 |
| Loan loss allowance to noncurrent loans | 1,849.0909% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,514 |
| Noncurrent loans to loans | 0.2542% | 2,247 |
| Net loans and leases to total assets | 10.2300% | 4,503 |
| Net loans and leases to deposits | 12.4948% | 4,506 |
| Net loans and leases to core deposits | 12.6895% | 4,494 |
| Total domestic deposits to total assets | 81.8900% | 3,253 |
| Equity capital to assets | 17.9365% | 344 |
| Core capital (leverage) ratio | 18.8861% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 119.1892% | 56 |
| Memoranda: | ||
| Average total assets | $203,977,667 | 2,976 |
| Average earning assets | $194,338,333 | 2,936 |
| Average equity | $35,659,333 | 2,034 |
| Average total loans | $24,284,333 | 4,257 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5039% | 4,259 |
| Cost of funding earning assets | 0.4909% | 3,722 |
| Net interest margin | 3.0129% | 3,570 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 1.6121% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3857% | 1,444 |
| Return on assets (ROA) | 1.7953% | 670 |
| Pretax return on assets | 2.3412% | 450 |
| Return on Equity (ROE) | 10.4000% | 2,666 |
| Retained earnings to average equity (ytd only) | 10.4025% | 1,605 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.9353% | 4,168 |
| Assets per employee ($millions) | 7.2484% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1777% | 57 |
| Loan loss allowance to noncurrent loans | 1,655.7377% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,476 |
| Noncurrent loans to loans | 0.2523% | 2,243 |
| Net loans and leases to total assets | 11.4100% | 4,569 |
| Net loans and leases to deposits | 13.9637% | 4,568 |
| Net loans and leases to core deposits | 14.1797% | 4,560 |
| Total domestic deposits to total assets | 81.7400% | 3,526 |
| Equity capital to assets | 17.8745% | 308 |
| Core capital (leverage) ratio | 18.2508% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 108.0722% | 59 |
| Memoranda: | ||
| Average total assets | $205,197,000 | 3,000 |
| Average earning assets | $195,556,000 | 2,958 |
| Average equity | $35,414,500 | 2,069 |
| Average total loans | $25,607,500 | 4,294 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5439% | 4,484 |
| Cost of funding earning assets | 0.1982% | 3,777 |
| Net interest margin | 2.3457% | 4,399 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 1.6384% | 4,263 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8762% | 3,058 |
| Return on assets (ROA) | 0.9626% | 2,657 |
| Pretax return on assets | 1.2356% | 2,323 |
| Return on Equity (ROE) | 5.7500% | 3,877 |
| Retained earnings to average equity (ytd only) | 3.6537% | 3,519 |
| Net charge-offs to loans | 0.0076% | 2,115 |
| Credit loss provision to net charge-offs | 600.0000% | 599 |
| Earnings coverage of net charge-offs (x) | 1,196.0000% | 150 |
| Efficiency ratio | 59.1391% | 3,174 |
| Assets per employee ($millions) | 7.6830% | 1,499 |
| Cash dividends to net income (ytd only)* | 36.4798% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0793% | 62 |
| Loan loss allowance to noncurrent loans | 1,646.2687% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,484 |
| Noncurrent loans to loans | 0.2478% | 2,284 |
| Net loans and leases to total assets | 12.5000% | 4,597 |
| Net loans and leases to deposits | 15.0388% | 4,595 |
| Net loans and leases to core deposits | 15.2941% | 4,584 |
| Total domestic deposits to total assets | 83.1400% | 3,389 |
| Equity capital to assets | 16.6564% | 351 |
| Core capital (leverage) ratio | 17.4622% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 97.6771% | 62 |
| Memoranda: | ||
| Average total assets | $211,306,400 | 2,970 |
| Average earning assets | $201,855,000 | 2,916 |
| Average equity | $35,361,400 | 2,092 |
| Average total loans | $26,375,800 | 4,293 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2939% | 4,537 |
| Cost of funding earning assets | 0.1414% | 3,925 |
| Net interest margin | 2.1525% | 4,489 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.5244% | 4,389 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8143% | 3,192 |
| Return on assets (ROA) | 0.9290% | 2,730 |
| Pretax return on assets | 1.1884% | 2,411 |
| Return on Equity (ROE) | 5.5400% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.5448% | 2,911 |
| Net charge-offs to loans | 0.0102% | 1,738 |
| Credit loss provision to net charge-offs | 450.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 835.0000% | 193 |
| Efficiency ratio | 59.2385% | 3,219 |
| Assets per employee ($millions) | 7.7356% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3367% | 57 |
| Loan loss allowance to noncurrent loans | 1,549.2958% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 3,575 |
| Noncurrent loans to loans | 0.2799% | 2,254 |
| Net loans and leases to total assets | 11.6200% | 4,642 |
| Net loans and leases to deposits | 13.9414% | 4,643 |
| Net loans and leases to core deposits | 14.1809% | 4,629 |
| Total domestic deposits to total assets | 83.3300% | 3,642 |
| Equity capital to assets | 16.5331% | 345 |
| Core capital (leverage) ratio | 17.6706% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 100.5415% | 64 |
| Memoranda: | ||
| Average total assets | $212,273,000 | 2,986 |
| Average earning assets | $202,677,500 | 2,931 |
| Average equity | $35,563,750 | 2,122 |
| Average total loans | $26,210,000 | 4,331 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0325% | 4,611 |
| Cost of funding earning assets | 0.1197% | 3,964 |
| Net interest margin | 1.9128% | 4,596 |
| Noninterest income to average assets | 0.4939% | 2,236 |
| Noninterest expense to average assets | 1.4948% | 4,425 |
| Loan and lease loss provision to assets | 0.0056% | 2,502 |
| Net operating income to assets | 0.6411% | 3,505 |
| Return on assets (ROA) | 0.8106% | 2,887 |
| Pretax return on assets | 1.0356% | 2,622 |
| Return on Equity (ROE) | 4.8179% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.8179% | 2,778 |
| Net charge-offs to loans | -0.0075% | 3,480 |
| Credit loss provision to net charge-offs | -600.0000% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3924% | 2,716 |
| Assets per employee ($millions) | 7.3414% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4832% | 49 |
| Loan loss allowance to noncurrent loans | 769.2308% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,304 |
| Noncurrent loans to loans | 0.5828% | 1,449 |
| Net loans and leases to total assets | 11.0079% | 4,704 |
| Net loans and leases to deposits | 13.2088% | 4,704 |
| Net loans and leases to core deposits | 13.4310% | 4,698 |
| Total domestic deposits to total assets | 83.3378% | 3,809 |
| Equity capital to assets | 16.4851% | 304 |
| Core capital (leverage) ratio | 17.0856% | 317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 101.6179% | 29 |
| Memoranda: | ||
| Average total assets | $213,410,667 | 3,001 |
| Average earning assets | $203,890,333 | 2,965 |
| Average equity | $35,908,000 | 2,160 |
| Average total loans | $26,491,667 | 4,383 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8503% | 4,656 |
| Cost of funding earning assets | 0.1081% | 4,042 |
| Net interest margin | 1.7421% | 4,633 |
| Noninterest income to average assets | 0.5204% | 2,042 |
| Noninterest expense to average assets | 1.4995% | 4,429 |
| Loan and lease loss provision to assets | 0.0056% | 2,206 |
| Net operating income to assets | 0.5273% | 3,633 |
| Return on assets (ROA) | 0.8630% | 2,431 |
| Pretax return on assets | 1.0989% | 2,149 |
| Return on Equity (ROE) | 5.0780% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.0780% | 2,564 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8144% | 2,396 |
| Assets per employee ($millions) | 7.5285% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3866% | 58 |
| Loan loss allowance to noncurrent loans | 640.9357% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 3,285 |
| Noncurrent loans to loans | 0.6844% | 1,387 |
| Net loans and leases to total assets | 10.9419% | 4,733 |
| Net loans and leases to deposits | 13.1434% | 4,733 |
| Net loans and leases to core deposits | 13.3591% | 4,727 |
| Total domestic deposits to total assets | 83.2498% | 3,913 |
| Equity capital to assets | 16.4213% | 292 |
| Core capital (leverage) ratio | 16.7464% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 98.7154% | 29 |
| Memoranda: | ||
| Average total assets | $213,665,500 | 3,013 |
| Average earning assets | $203,427,000 | 2,982 |
| Average equity | $36,313,500 | 2,202 |
| Average total loans | $27,469,500 | 4,379 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9520% | 4,686 |
| Cost of funding earning assets | 0.1113% | 4,296 |
| Net interest margin | 1.8407% | 4,658 |
| Noninterest income to average assets | 0.4889% | 2,630 |
| Noninterest expense to average assets | 1.5202% | 4,519 |
| Loan and lease loss provision to assets | 0.0057% | 2,963 |
| Net operating income to assets | 0.6115% | 3,847 |
| Return on assets (ROA) | 0.7274% | 3,612 |
| Pretax return on assets | 0.8658% | 3,579 |
| Return on Equity (ROE) | 4.1370% | 4,190 |
| Retained earnings to average equity (ytd only) | 2.1359% | 3,947 |
| Net charge-offs to loans | -0.0105% | 3,759 |
| Credit loss provision to net charge-offs | -400.0000% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4521% | 2,059 |
| Assets per employee ($millions) | 7.4645% | 1,641 |
| Cash dividends to net income (ytd only)* | 48.3703% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6489% | 86 |
| Loan loss allowance to noncurrent loans | 728.6667% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,458 |
| Noncurrent loans to loans | 0.5008% | 1,874 |
| Net loans and leases to total assets | 13.8088% | 4,762 |
| Net loans and leases to deposits | 16.8679% | 4,761 |
| Net loans and leases to core deposits | 17.1619% | 4,756 |
| Total domestic deposits to total assets | 81.8641% | 3,991 |
| Equity capital to assets | 17.5953% | 272 |
| Core capital (leverage) ratio | 16.7401% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 87.7936% | 37 |
| Memoranda: | ||
| Average total assets | $210,898,200 | 2,980 |
| Average earning assets | $202,206,600 | 2,938 |
| Average equity | $37,079,800 | 2,196 |
| Average total loans | $28,525,000 | 4,407 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9854% | 4,766 |
| Cost of funding earning assets | 0.1118% | 4,414 |
| Net interest margin | 1.8736% | 4,724 |
| Noninterest income to average assets | 0.4655% | 2,772 |
| Noninterest expense to average assets | 1.4502% | 4,643 |
| Loan and lease loss provision to assets | 0.0057% | 2,863 |
| Net operating income to assets | 0.6822% | 3,814 |
| Return on assets (ROA) | 0.8364% | 3,487 |
| Pretax return on assets | 0.9910% | 3,488 |
| Return on Equity (ROE) | 4.7582% | 4,174 |
| Retained earnings to average equity (ytd only) | 4.7582% | 3,308 |
| Net charge-offs to loans | -0.0095% | 3,654 |
| Credit loss provision to net charge-offs | -450.0000% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0747% | 2,377 |
| Assets per employee ($millions) | 7.3128% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8825% | 72 |
| Loan loss allowance to noncurrent loans | 531.2195% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 3,458 |
| Noncurrent loans to loans | 0.7309% | 1,532 |
| Net loans and leases to total assets | 12.7127% | 4,846 |
| Net loans and leases to deposits | 15.5580% | 4,843 |
| Net loans and leases to core deposits | 15.8893% | 4,838 |
| Total domestic deposits to total assets | 81.7118% | 3,974 |
| Equity capital to assets | 17.7134% | 288 |
| Core capital (leverage) ratio | 17.2775% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 92.2311% | 30 |
| Memoranda: | ||
| Average total assets | $211,371,500 | 3,004 |
| Average earning assets | $202,810,750 | 2,964 |
| Average equity | $37,156,000 | 2,218 |
| Average total loans | $28,167,750 | 4,472 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9951% | 4,806 |
| Cost of funding earning assets | 0.1113% | 4,497 |
| Net interest margin | 1.8839% | 4,758 |
| Noninterest income to average assets | 0.4679% | 2,767 |
| Noninterest expense to average assets | 1.4588% | 4,666 |
| Loan and lease loss provision to assets | 0.0057% | 2,786 |
| Net operating income to assets | 0.6994% | 3,765 |
| Return on assets (ROA) | 0.9340% | 3,198 |
| Pretax return on assets | 1.0884% | 3,254 |
| Return on Equity (ROE) | 5.3269% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.3269% | 3,059 |
| Net charge-offs to loans | -0.0071% | 3,541 |
| Credit loss provision to net charge-offs | -600.0000% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9801% | 2,429 |
| Assets per employee ($millions) | 7.1248% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8973% | 72 |
| Loan loss allowance to noncurrent loans | 665.6442% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,697 |
| Noncurrent loans to loans | 0.5855% | 1,937 |
| Net loans and leases to total assets | 12.5173% | 4,882 |
| Net loans and leases to deposits | 15.2704% | 4,884 |
| Net loans and leases to core deposits | 15.5603% | 4,879 |
| Total domestic deposits to total assets | 81.9706% | 3,927 |
| Equity capital to assets | 17.4638% | 300 |
| Core capital (leverage) ratio | 17.0709% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 90.9381% | 32 |
| Memoranda: | ||
| Average total assets | $211,138,333 | 3,005 |
| Average earning assets | $203,093,000 | 2,956 |
| Average equity | $37,019,667 | 2,215 |
| Average total loans | $28,207,333 | 4,502 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0595% | 4,822 |
| Cost of funding earning assets | 0.1111% | 4,578 |
| Net interest margin | 1.9484% | 4,755 |
| Noninterest income to average assets | 0.5128% | 2,554 |
| Noninterest expense to average assets | 1.4716% | 4,680 |
| Loan and lease loss provision to assets | 0.0057% | 2,692 |
| Net operating income to assets | 0.7058% | 3,689 |
| Return on assets (ROA) | 1.1380% | 2,427 |
| Pretax return on assets | 1.4545% | 2,123 |
| Return on Equity (ROE) | 6.4776% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.4776% | 2,741 |
| Net charge-offs to loans | -0.0141% | 3,831 |
| Credit loss provision to net charge-offs | -300.0000% | 3,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7106% | 2,804 |
| Assets per employee ($millions) | 7.0018% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7904% | 80 |
| Loan loss allowance to noncurrent loans | 632.7485% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 3,819 |
| Noncurrent loans to loans | 0.5990% | 2,071 |
| Net loans and leases to total assets | 12.6529% | 4,910 |
| Net loans and leases to deposits | 15.3759% | 4,907 |
| Net loans and leases to core deposits | 15.6636% | 4,904 |
| Total domestic deposits to total assets | 82.2904% | 3,835 |
| Equity capital to assets | 17.0702% | 305 |
| Core capital (leverage) ratio | 17.3379% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 89.8173% | 34 |
| Memoranda: | ||
| Average total assets | $209,835,000 | 3,007 |
| Average earning assets | $201,605,500 | 2,958 |
| Average equity | $36,865,500 | 2,210 |
| Average total loans | $28,391,000 | 4,526 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7472% | 4,777 |
| Cost of funding earning assets | 0.2071% | 4,560 |
| Net interest margin | 2.5401% | 4,552 |
| Noninterest income to average assets | 0.5204% | 2,544 |
| Noninterest expense to average assets | 1.7369% | 4,560 |
| Loan and lease loss provision to assets | 0.0242% | 4,096 |
| Net operating income to assets | 0.9473% | 2,496 |
| Return on assets (ROA) | 1.0113% | 2,397 |
| Pretax return on assets | 1.2718% | 2,079 |
| Return on Equity (ROE) | 5.2919% | 3,818 |
| Retained earnings to average equity (ytd only) | 3.2489% | 3,204 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8204% | 3,611 |
| Assets per employee ($millions) | 6.3317% | 2,059 |
| Cash dividends to net income (ytd only)* | 38.6056% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8178% | 74 |
| Loan loss allowance to noncurrent loans | 612.5000% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,892 |
| Noncurrent loans to loans | 0.6233% | 2,135 |
| Net loans and leases to total assets | 13.4039% | 4,926 |
| Net loans and leases to deposits | 16.5082% | 4,924 |
| Net loans and leases to core deposits | 16.6648% | 4,924 |
| Total domestic deposits to total assets | 81.1952% | 3,833 |
| Equity capital to assets | 18.1030% | 267 |
| Core capital (leverage) ratio | 17.6839% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 89.6765% | 34 |
| Memoranda: | ||
| Average total assets | $190,046,200 | 3,029 |
| Average earning assets | $182,001,600 | 2,983 |
| Average equity | $36,320,000 | 2,160 |
| Average total loans | $32,473,000 | 4,470 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8754% | 4,803 |
| Cost of funding earning assets | 0.2281% | 4,581 |
| Net interest margin | 2.6473% | 4,530 |
| Noninterest income to average assets | 0.4965% | 2,625 |
| Noninterest expense to average assets | 1.6464% | 4,682 |
| Loan and lease loss provision to assets | 0.0278% | 3,985 |
| Net operating income to assets | 1.0770% | 2,056 |
| Return on assets (ROA) | 1.1621% | 1,892 |
| Pretax return on assets | 1.4638% | 1,533 |
| Return on Equity (ROE) | 5.9948% | 3,550 |
| Retained earnings to average equity (ytd only) | 5.9948% | 2,110 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3315% | 4,113 |
| Assets per employee ($millions) | 6.0531% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4894% | 96 |
| Loan loss allowance to noncurrent loans | 512.4402% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 3,893 |
| Noncurrent loans to loans | 0.6809% | 2,090 |
| Net loans and leases to total assets | 15.2929% | 4,956 |
| Net loans and leases to deposits | 19.1137% | 4,954 |
| Net loans and leases to core deposits | 19.3063% | 4,957 |
| Total domestic deposits to total assets | 80.0101% | 3,865 |
| Equity capital to assets | 19.2382% | 232 |
| Core capital (leverage) ratio | 19.4172% | 223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 84.0896% | 41 |
| Memoranda: | ||
| Average total assets | $186,904,500 | 3,040 |
| Average earning assets | $178,894,500 | 2,992 |
| Average equity | $36,230,250 | 2,155 |
| Average total loans | $33,532,250 | 4,471 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9708% | 4,857 |
| Cost of funding earning assets | 0.2575% | 4,601 |
| Net interest margin | 2.7133% | 4,542 |
| Noninterest income to average assets | 0.4912% | 2,613 |
| Noninterest expense to average assets | 1.6715% | 4,711 |
| Loan and lease loss provision to assets | 0.0264% | 3,925 |
| Net operating income to assets | 1.1385% | 1,842 |
| Return on assets (ROA) | 1.1385% | 1,966 |
| Pretax return on assets | 1.4220% | 1,669 |
| Return on Equity (ROE) | 6.1097% | 3,469 |
| Retained earnings to average equity (ytd only) | 6.1097% | 2,029 |
| Net charge-offs to loans | -0.0058% | 4,052 |
| Credit loss provision to net charge-offs | -2,400.0000% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5752% | 4,224 |
| Assets per employee ($millions) | 5.9510% | 2,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0539% | 131 |
| Loan loss allowance to noncurrent loans | 288.7978% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 3,571 |
| Noncurrent loans to loans | 1.0575% | 1,475 |
| Net loans and leases to total assets | 17.6198% | 4,975 |
| Net loans and leases to deposits | 21.6679% | 4,979 |
| Net loans and leases to core deposits | 21.8898% | 4,977 |
| Total domestic deposits to total assets | 81.3178% | 3,537 |
| Equity capital to assets | 18.2888% | 279 |
| Core capital (leverage) ratio | 18.3173% | 274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 75.2036% | 41 |
| Memoranda: | ||
| Average total assets | $181,997,000 | 3,058 |
| Average earning assets | $176,315,000 | 2,999 |
| Average equity | $33,913,333 | 2,262 |
| Average total loans | $34,478,667 | 4,465 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1200% | 4,903 |
| Cost of funding earning assets | 0.2904% | 4,686 |
| Net interest margin | 2.8296% | 4,537 |
| Noninterest income to average assets | 0.5355% | 2,359 |
| Noninterest expense to average assets | 1.7235% | 4,748 |
| Loan and lease loss provision to assets | 0.0247% | 3,488 |
| Net operating income to assets | 1.2015% | 1,512 |
| Return on assets (ROA) | 1.2015% | 1,628 |
| Pretax return on assets | 1.5277% | 1,240 |
| Return on Equity (ROE) | 6.3845% | 3,182 |
| Retained earnings to average equity (ytd only) | 6.3845% | 1,755 |
| Net charge-offs to loans | -0.0116% | 4,124 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6099% | 4,501 |
| Assets per employee ($millions) | 5.6744% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1128% | 137 |
| Loan loss allowance to noncurrent loans | 487.8505% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,037 |
| Noncurrent loans to loans | 0.6381% | 2,396 |
| Net loans and leases to total assets | 17.8957% | 5,020 |
| Net loans and leases to deposits | 22.1002% | 5,023 |
| Net loans and leases to core deposits | 22.2901% | 5,020 |
| Total domestic deposits to total assets | 80.9753% | 3,671 |
| Equity capital to assets | 18.6265% | 313 |
| Core capital (leverage) ratio | 18.7667% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 76.7577% | 42 |
| Memoranda: | ||
| Average total assets | $177,779,000 | 3,062 |
| Average earning assets | $172,179,000 | 2,996 |
| Average equity | $33,456,000 | 2,275 |
| Average total loans | $34,412,500 | 4,489 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2636% | 4,978 |
| Cost of funding earning assets | 0.3177% | 4,690 |
| Net interest margin | 2.9459% | 4,589 |
| Noninterest income to average assets | 0.5285% | 2,589 |
| Noninterest expense to average assets | 1.9473% | 4,613 |
| Loan and lease loss provision to assets | 0.0070% | 3,868 |
| Net operating income to assets | 1.1267% | 2,349 |
| Return on assets (ROA) | 1.1267% | 2,443 |
| Pretax return on assets | 1.4124% | 2,110 |
| Return on Equity (ROE) | 5.9598% | 3,932 |
| Retained earnings to average equity (ytd only) | 3.6803% | 3,156 |
| Net charge-offs to loans | 0.0196% | 3,030 |
| Credit loss provision to net charge-offs | 171.4286% | 1,515 |
| Earnings coverage of net charge-offs (x) | 349.1429% | 252 |
| Efficiency ratio | 57.8403% | 3,989 |
| Assets per employee ($millions) | 5.4368% | 2,119 |
| Cash dividends to net income (ytd only)* | 38.2474% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9247% | 137 |
| Loan loss allowance to noncurrent loans | 426.4463% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 3,944 |
| Noncurrent loans to loans | 0.6858% | 2,171 |
| Net loans and leases to total assets | 19.6887% | 5,080 |
| Net loans and leases to deposits | 24.4270% | 5,076 |
| Net loans and leases to core deposits | 24.6462% | 5,075 |
| Total domestic deposits to total assets | 80.6021% | 3,851 |
| Equity capital to assets | 19.0196% | 299 |
| Core capital (leverage) ratio | 18.9423% | 279 |
| Tier 1 risk-based capital ratio | 73.2581% | 63 |
| Total risk-based capital ratio | 74.5210% | 61 |
| Memoranda: | ||
| Average total assets | $172,188,800 | 3,090 |
| Average earning assets | $165,890,600 | 3,032 |
| Average equity | $32,551,400 | 2,271 |
| Average total loans | $35,672,000 | 4,510 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2880% | 5,070 |
| Cost of funding earning assets | 0.3175% | 4,756 |
| Net interest margin | 2.9705% | 4,664 |
| Noninterest income to average assets | 0.5093% | 2,672 |
| Noninterest expense to average assets | 1.8120% | 4,802 |
| Loan and lease loss provision to assets | 0.0070% | 3,742 |
| Net operating income to assets | 1.2375% | 2,070 |
| Return on assets (ROA) | 1.2375% | 2,144 |
| Pretax return on assets | 1.5519% | 1,807 |
| Return on Equity (ROE) | 6.5561% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.5561% | 2,082 |
| Net charge-offs to loans | 0.0298% | 2,480 |
| Credit loss provision to net charge-offs | 112.5000% | 2,062 |
| Earnings coverage of net charge-offs (x) | 250.9157% | 371 |
| Efficiency ratio | 53.7540% | 4,421 |
| Assets per employee ($millions) | 5.4929% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8260% | 153 |
| Loan loss allowance to noncurrent loans | 475.9259% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 4,090 |
| Noncurrent loans to loans | 0.5938% | 2,504 |
| Net loans and leases to total assets | 20.7592% | 5,155 |
| Net loans and leases to deposits | 25.9658% | 5,151 |
| Net loans and leases to core deposits | 26.2058% | 5,151 |
| Total domestic deposits to total assets | 79.9484% | 4,001 |
| Equity capital to assets | 19.6904% | 273 |
| Core capital (leverage) ratio | 19.5648% | 265 |
| Tier 1 risk-based capital ratio | 73.1406% | 68 |
| Total risk-based capital ratio | 74.4041% | 68 |
| Memoranda: | ||
| Average total assets | $171,741,500 | 3,127 |
| Average earning assets | $165,445,250 | 3,061 |
| Average equity | $32,416,750 | 2,288 |
| Average total loans | $35,768,500 | 4,568 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 5,137 |
| Cost of funding earning assets | 0.3170% | 4,780 |
| Net interest margin | 2.9401% | 4,768 |
| Noninterest income to average assets | 0.4947% | 2,704 |
| Noninterest expense to average assets | 1.8441% | 4,822 |
| Loan and lease loss provision to assets | 0.0070% | 3,592 |
| Net operating income to assets | 1.1856% | 2,202 |
| Return on assets (ROA) | 1.1856% | 2,265 |
| Pretax return on assets | 1.4759% | 1,937 |
| Return on Equity (ROE) | 6.3721% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.3721% | 2,111 |
| Net charge-offs to loans | 0.0450% | 2,008 |
| Credit loss provision to net charge-offs | 75.0000% | 2,272 |
| Earnings coverage of net charge-offs (x) | 159.6250% | 470 |
| Efficiency ratio | 55.4276% | 4,318 |
| Assets per employee ($millions) | 5.4644% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7971% | 156 |
| Loan loss allowance to noncurrent loans | 457.5893% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 4,094 |
| Noncurrent loans to loans | 0.6113% | 2,430 |
| Net loans and leases to total assets | 21.0277% | 5,198 |
| Net loans and leases to deposits | 26.2002% | 5,200 |
| Net loans and leases to core deposits | 26.4418% | 5,199 |
| Total domestic deposits to total assets | 80.2575% | 3,985 |
| Equity capital to assets | 19.4290% | 270 |
| Core capital (leverage) ratio | 18.8423% | 291 |
| Tier 1 risk-based capital ratio | 71.9515% | 63 |
| Total risk-based capital ratio | 73.2145% | 62 |
| Memoranda: | ||
| Average total assets | $172,228,330 | 3,131 |
| Average earning assets | $165,914,670 | 3,073 |
| Average equity | $32,046,000 | 2,300 |
| Average total loans | $35,565,670 | 4,607 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2494% | 5,198 |
| Cost of funding earning assets | 0.3165% | 4,790 |
| Net interest margin | 2.9328% | 4,847 |
| Noninterest income to average assets | 0.4884% | 2,622 |
| Noninterest expense to average assets | 1.7991% | 4,924 |
| Loan and lease loss provision to assets | 0.0069% | 3,342 |
| Net operating income to assets | 1.1955% | 2,073 |
| Return on assets (ROA) | 1.1955% | 2,120 |
| Pretax return on assets | 1.4996% | 1,772 |
| Return on Equity (ROE) | 6.5669% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.5669% | 2,214 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4251% | 4,497 |
| Assets per employee ($millions) | 5.2966% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0049% | 132 |
| Loan loss allowance to noncurrent loans | 447.8261% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 4,141 |
| Noncurrent loans to loans | 0.6710% | 2,336 |
| Net loans and leases to total assets | 19.0214% | 5,268 |
| Net loans and leases to deposits | 23.3767% | 5,264 |
| Net loans and leases to core deposits | 23.6497% | 5,265 |
| Total domestic deposits to total assets | 81.3693% | 3,891 |
| Equity capital to assets | 18.3320% | 318 |
| Core capital (leverage) ratio | 18.3449% | 317 |
| Tier 1 risk-based capital ratio | 72.9598% | 61 |
| Total risk-based capital ratio | 74.2239% | 61 |
| Memoranda: | ||
| Average total assets | $173,644,500 | 3,155 |
| Average earning assets | $166,802,500 | 3,093 |
| Average equity | $31,613,000 | 2,321 |
| Average total loans | $35,026,000 | 4,668 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0412% | 5,214 |
| Cost of funding earning assets | 0.2260% | 4,901 |
| Net interest margin | 2.8152% | 5,009 |
| Noninterest income to average assets | 0.5119% | 2,767 |
| Noninterest expense to average assets | 1.9407% | 4,834 |
| Loan and lease loss provision to assets | 0.0069% | 3,981 |
| Net operating income to assets | 1.0569% | 2,772 |
| Return on assets (ROA) | 1.0654% | 2,719 |
| Pretax return on assets | 1.2948% | 2,517 |
| Return on Equity (ROE) | 5.9670% | 4,187 |
| Retained earnings to average equity (ytd only) | 3.7245% | 3,526 |
| Net charge-offs to loans | 0.0142% | 3,206 |
| Credit loss provision to net charge-offs | 240.0000% | 1,231 |
| Earnings coverage of net charge-offs (x) | 447.0000% | 236 |
| Efficiency ratio | 60.0465% | 3,852 |
| Assets per employee ($millions) | 5.2273% | 2,234 |
| Cash dividends to net income (ytd only)* | 37.5813% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8707% | 150 |
| Loan loss allowance to noncurrent loans | 431.5126% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 4,130 |
| Noncurrent loans to loans | 0.6653% | 2,330 |
| Net loans and leases to total assets | 20.1435% | 5,306 |
| Net loans and leases to deposits | 24.6515% | 5,299 |
| Net loans and leases to core deposits | 25.0007% | 5,302 |
| Total domestic deposits to total assets | 81.7133% | 3,717 |
| Equity capital to assets | 18.0775% | 336 |
| Core capital (leverage) ratio | 18.2253% | 313 |
| Tier 1 risk-based capital ratio | 69.2447% | 65 |
| Total risk-based capital ratio | 70.5069% | 66 |
| Memoranda: | ||
| Average total assets | $173,082,400 | 3,136 |
| Average earning assets | $167,237,200 | 3,053 |
| Average equity | $30,903,400 | 2,289 |
| Average total loans | $35,330,200 | 4,676 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0102% | 5,283 |
| Cost of funding earning assets | 0.2061% | 4,999 |
| Net interest margin | 2.8041% | 5,081 |
| Noninterest income to average assets | 0.4749% | 3,012 |
| Noninterest expense to average assets | 1.7941% | 5,041 |
| Loan and lease loss provision to assets | 0.0069% | 3,836 |
| Net operating income to assets | 1.1422% | 2,477 |
| Return on assets (ROA) | 1.1422% | 2,490 |
| Pretax return on assets | 1.3862% | 2,280 |
| Return on Equity (ROE) | 6.4172% | 4,139 |
| Retained earnings to average equity (ytd only) | 6.4172% | 2,425 |
| Net charge-offs to loans | 0.0227% | 2,686 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 301.6588% | 311 |
| Efficiency ratio | 56.2908% | 4,347 |
| Assets per employee ($millions) | 5.1073% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9056% | 153 |
| Loan loss allowance to noncurrent loans | 164.7343% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3685% | 3,196 |
| Noncurrent loans to loans | 1.7638% | 877 |
| Net loans and leases to total assets | 20.2828% | 5,381 |
| Net loans and leases to deposits | 24.9447% | 5,378 |
| Net loans and leases to core deposits | 25.3083% | 5,379 |
| Total domestic deposits to total assets | 81.3109% | 3,785 |
| Equity capital to assets | 18.5503% | 293 |
| Core capital (leverage) ratio | 18.2252% | 309 |
| Tier 1 risk-based capital ratio | 74.5503% | 56 |
| Total risk-based capital ratio | 75.8138% | 56 |
| Memoranda: | ||
| Average total assets | $173,227,500 | 3,160 |
| Average earning assets | $167,558,250 | 3,078 |
| Average equity | $30,833,250 | 2,294 |
| Average total loans | $35,219,000 | 4,732 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9003% | 5,372 |
| Cost of funding earning assets | 0.1906% | 5,071 |
| Net interest margin | 2.7097% | 5,214 |
| Noninterest income to average assets | 0.4749% | 3,004 |
| Noninterest expense to average assets | 1.7736% | 5,127 |
| Loan and lease loss provision to assets | 0.0069% | 3,699 |
| Net operating income to assets | 1.0950% | 2,603 |
| Return on assets (ROA) | 1.0950% | 2,610 |
| Pretax return on assets | 1.3136% | 2,452 |
| Return on Equity (ROE) | 6.2367% | 4,156 |
| Retained earnings to average equity (ytd only) | 6.2367% | 2,444 |
| Net charge-offs to loans | 0.0341% | 2,167 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 192.3333% | 430 |
| Efficiency ratio | 57.3225% | 4,322 |
| Assets per employee ($millions) | 5.2714% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0054% | 141 |
| Loan loss allowance to noncurrent loans | 160.3774% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 3,272 |
| Noncurrent loans to loans | 1.8740% | 822 |
| Net loans and leases to total assets | 18.9238% | 5,449 |
| Net loans and leases to deposits | 23.0553% | 5,451 |
| Net loans and leases to core deposits | 23.3771% | 5,451 |
| Total domestic deposits to total assets | 82.0800% | 3,696 |
| Equity capital to assets | 17.7850% | 344 |
| Core capital (leverage) ratio | 17.7273% | 328 |
| Tier 1 risk-based capital ratio | 71.0608% | 63 |
| Total risk-based capital ratio | 72.3250% | 63 |
| Memoranda: | ||
| Average total assets | $174,789,330 | 3,154 |
| Average earning assets | $168,950,000 | 3,073 |
| Average equity | $30,689,330 | 2,307 |
| Average total loans | $35,222,670 | 4,774 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8683% | 5,427 |
| Cost of funding earning assets | 0.1729% | 5,147 |
| Net interest margin | 2.6954% | 5,258 |
| Noninterest income to average assets | 0.4909% | 2,863 |
| Noninterest expense to average assets | 1.7511% | 5,199 |
| Loan and lease loss provision to assets | 0.0068% | 3,418 |
| Net operating income to assets | 1.0844% | 2,500 |
| Return on assets (ROA) | 1.0844% | 2,518 |
| Pretax return on assets | 1.3310% | 2,244 |
| Return on Equity (ROE) | 6.2163% | 4,089 |
| Retained earnings to average equity (ytd only) | 6.2163% | 2,619 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6888% | 4,499 |
| Assets per employee ($millions) | 5.3129% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9728% | 161 |
| Loan loss allowance to noncurrent loans | 153.8346% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 3,313 |
| Noncurrent loans to loans | 1.9325% | 840 |
| Net loans and leases to total assets | 19.0441% | 5,511 |
| Net loans and leases to deposits | 23.1648% | 5,508 |
| Net loans and leases to core deposits | 23.4834% | 5,510 |
| Total domestic deposits to total assets | 82.2113% | 3,896 |
| Equity capital to assets | 17.4470% | 363 |
| Core capital (leverage) ratio | 17.4327% | 348 |
| Tier 1 risk-based capital ratio | 68.6019% | 65 |
| Total risk-based capital ratio | 69.8645% | 65 |
| Memoranda: | ||
| Average total assets | $175,206,000 | 3,187 |
| Average earning assets | $168,880,500 | 3,110 |
| Average equity | $30,565,000 | 2,331 |
| Average total loans | $35,864,500 | 4,802 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7782% | 5,468 |
| Cost of funding earning assets | 0.1598% | 5,209 |
| Net interest margin | 2.6184% | 5,337 |
| Noninterest income to average assets | 0.4735% | 3,165 |
| Noninterest expense to average assets | 1.8589% | 5,180 |
| Loan and lease loss provision to assets | 0.0067% | 4,132 |
| Net operating income to assets | 0.9319% | 2,539 |
| Return on assets (ROA) | 1.0030% | 2,264 |
| Pretax return on assets | 1.2264% | 2,658 |
| Return on Equity (ROE) | 5.8658% | 3,818 |
| Retained earnings to average equity (ytd only) | 3.6334% | 3,079 |
| Net charge-offs to loans | 0.0132% | 3,624 |
| Credit loss provision to net charge-offs | 240.0000% | 1,154 |
| Earnings coverage of net charge-offs (x) | 409.6000% | 209 |
| Efficiency ratio | 61.8551% | 3,961 |
| Assets per employee ($millions) | 5.3057% | 2,140 |
| Cash dividends to net income (ytd only)* | 38.0580% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7333% | 191 |
| Loan loss allowance to noncurrent loans | 152.0119% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 3,330 |
| Noncurrent loans to loans | 1.7981% | 891 |
| Net loans and leases to total assets | 20.7308% | 5,566 |
| Net loans and leases to deposits | 25.2360% | 5,561 |
| Net loans and leases to core deposits | 25.5384% | 5,567 |
| Total domestic deposits to total assets | 82.1477% | 3,832 |
| Equity capital to assets | 17.4433% | 362 |
| Core capital (leverage) ratio | 16.9453% | 372 |
| Tier 1 risk-based capital ratio | 62.1357% | 78 |
| Total risk-based capital ratio | 63.3973% | 78 |
| Memoranda: | ||
| Average total assets | $178,655,600 | 3,132 |
| Average earning assets | $172,738,800 | 3,039 |
| Average equity | $30,550,200 | 2,322 |
| Average total loans | $37,771,800 | 4,798 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7426% | 5,544 |
| Cost of funding earning assets | 0.1588% | 5,261 |
| Net interest margin | 2.5838% | 5,416 |
| Noninterest income to average assets | 0.4582% | 3,286 |
| Noninterest expense to average assets | 1.7184% | 5,350 |
| Loan and lease loss provision to assets | 0.0067% | 3,992 |
| Net operating income to assets | 0.9410% | 2,823 |
| Return on assets (ROA) | 1.0285% | 2,463 |
| Pretax return on assets | 1.3493% | 2,289 |
| Return on Equity (ROE) | 6.0441% | 4,103 |
| Retained earnings to average equity (ytd only) | 6.0441% | 2,202 |
| Net charge-offs to loans | 0.0211% | 3,057 |
| Credit loss provision to net charge-offs | 150.0000% | 1,689 |
| Earnings coverage of net charge-offs (x) | 278.4925% | 329 |
| Efficiency ratio | 58.0678% | 4,491 |
| Assets per employee ($millions) | 5.3362% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6014% | 236 |
| Loan loss allowance to noncurrent loans | 149.4118% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 3,478 |
| Noncurrent loans to loans | 1.7411% | 1,032 |
| Net loans and leases to total assets | 21.6019% | 5,630 |
| Net loans and leases to deposits | 26.4547% | 5,622 |
| Net loans and leases to core deposits | 26.8564% | 5,625 |
| Total domestic deposits to total assets | 81.6560% | 3,877 |
| Equity capital to assets | 17.7517% | 353 |
| Core capital (leverage) ratio | 17.3280% | 353 |
| Tier 1 risk-based capital ratio | 61.3249% | 81 |
| Total risk-based capital ratio | 62.5844% | 81 |
| Memoranda: | ||
| Average total assets | $179,547,750 | 3,146 |
| Average earning assets | $173,796,750 | 3,051 |
| Average equity | $30,552,500 | 2,337 |
| Average total loans | $37,885,500 | 4,843 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6809% | 5,601 |
| Cost of funding earning assets | 0.1568% | 5,292 |
| Net interest margin | 2.5240% | 5,493 |
| Noninterest income to average assets | 0.4682% | 3,231 |
| Noninterest expense to average assets | 1.6912% | 5,421 |
| Loan and lease loss provision to assets | 0.0066% | 3,790 |
| Net operating income to assets | 0.9327% | 2,752 |
| Return on assets (ROA) | 1.0648% | 2,187 |
| Pretax return on assets | 1.3824% | 2,089 |
| Return on Equity (ROE) | 6.3463% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.3463% | 1,939 |
| Net charge-offs to loans | 0.0373% | 2,454 |
| Credit loss provision to net charge-offs | 85.7143% | 2,196 |
| Earnings coverage of net charge-offs (x) | 157.1429% | 483 |
| Efficiency ratio | 58.1431% | 4,571 |
| Assets per employee ($millions) | 5.5716% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6273% | 245 |
| Loan loss allowance to noncurrent loans | 329.6417% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 4,498 |
| Noncurrent loans to loans | 0.7970% | 2,412 |
| Net loans and leases to total assets | 21.0365% | 5,678 |
| Net loans and leases to deposits | 25.6327% | 5,675 |
| Net loans and leases to core deposits | 26.0146% | 5,677 |
| Total domestic deposits to total assets | 82.0691% | 3,865 |
| Equity capital to assets | 17.3627% | 377 |
| Core capital (leverage) ratio | 16.9271% | 375 |
| Tier 1 risk-based capital ratio | 59.6769% | 86 |
| Total risk-based capital ratio | 60.9361% | 86 |
| Memoranda: | ||
| Average total assets | $180,698,330 | 3,146 |
| Average earning assets | $174,720,670 | 3,052 |
| Average equity | $30,316,670 | 2,348 |
| Average total loans | $37,495,330 | 4,888 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6185% | 5,678 |
| Cost of funding earning assets | 0.1552% | 5,335 |
| Net interest margin | 2.4633% | 5,575 |
| Noninterest income to average assets | 0.4794% | 3,122 |
| Noninterest expense to average assets | 1.6734% | 5,497 |
| Loan and lease loss provision to assets | 0.0066% | 3,477 |
| Net operating income to assets | 0.9138% | 2,691 |
| Return on assets (ROA) | 0.9258% | 2,691 |
| Pretax return on assets | 1.1874% | 2,638 |
| Return on Equity (ROE) | 5.6139% | 4,082 |
| Retained earnings to average equity (ytd only) | 5.6139% | 2,538 |
| Net charge-offs to loans | 0.2704% | 678 |
| Credit loss provision to net charge-offs | 12.0000% | 2,214 |
| Earnings coverage of net charge-offs (x) | 21.4400% | 1,443 |
| Efficiency ratio | 58.6739% | 4,634 |
| Assets per employee ($millions) | 5.5308% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6947% | 255 |
| Loan loss allowance to noncurrent loans | 284.7701% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,488 |
| Noncurrent loans to loans | 0.9463% | 2,149 |
| Net loans and leases to total assets | 19.6065% | 5,752 |
| Net loans and leases to deposits | 23.6542% | 5,750 |
| Net loans and leases to core deposits | 23.9947% | 5,750 |
| Total domestic deposits to total assets | 82.8881% | 3,885 |
| Equity capital to assets | 16.5914% | 423 |
| Core capital (leverage) ratio | 16.2429% | 433 |
| Tier 1 risk-based capital ratio | 59.9558% | 84 |
| Total risk-based capital ratio | 61.2155% | 84 |
| Memoranda: | ||
| Average total assets | $181,902,500 | 3,163 |
| Average earning assets | $175,214,500 | 3,078 |
| Average equity | $29,997,000 | 2,375 |
| Average total loans | $36,984,000 | 4,945 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6498% | 5,709 |
| Cost of funding earning assets | 0.1296% | 5,550 |
| Net interest margin | 2.5202% | 5,575 |
| Noninterest income to average assets | 0.5375% | 2,991 |
| Noninterest expense to average assets | 1.9005% | 5,363 |
| Loan and lease loss provision to assets | 0.0068% | 4,226 |
| Net operating income to assets | 0.9019% | 2,812 |
| Return on assets (ROA) | 0.9019% | 2,931 |
| Pretax return on assets | 1.0733% | 3,205 |
| Return on Equity (ROE) | 5.2838% | 4,284 |
| Retained earnings to average equity (ytd only) | 3.0231% | 3,747 |
| Net charge-offs to loans | -0.0212% | 5,148 |
| Credit loss provision to net charge-offs | -150.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7623% | 3,986 |
| Assets per employee ($millions) | 5.3320% | 2,026 |
| Cash dividends to net income (ytd only)* | 42.7854% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7237% | 243 |
| Loan loss allowance to noncurrent loans | 237.7934% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 4,366 |
| Noncurrent loans to loans | 1.1454% | 1,790 |
| Net loans and leases to total assets | 19.9565% | 5,802 |
| Net loans and leases to deposits | 24.0006% | 5,800 |
| Net loans and leases to core deposits | 24.3471% | 5,803 |
| Total domestic deposits to total assets | 83.1501% | 3,718 |
| Equity capital to assets | 16.3893% | 449 |
| Core capital (leverage) ratio | 16.5202% | 397 |
| Tier 1 risk-based capital ratio | 58.1997% | 91 |
| Total risk-based capital ratio | 59.4585% | 89 |
| Memoranda: | ||
| Average total assets | $176,747,000 | 3,200 |
| Average earning assets | $171,333,000 | 3,095 |
| Average equity | $30,167,800 | 2,338 |
| Average total loans | $37,716,400 | 4,956 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6453% | 5,779 |
| Cost of funding earning assets | 0.1302% | 5,612 |
| Net interest margin | 2.5151% | 5,646 |
| Noninterest income to average assets | 0.4639% | 3,464 |
| Noninterest expense to average assets | 1.7918% | 5,527 |
| Loan and lease loss provision to assets | 0.0068% | 4,091 |
| Net operating income to assets | 0.9323% | 2,741 |
| Return on assets (ROA) | 0.9323% | 2,865 |
| Pretax return on assets | 1.1138% | 3,169 |
| Return on Equity (ROE) | 5.4069% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.4069% | 2,546 |
| Net charge-offs to loans | -0.0247% | 5,082 |
| Credit loss provision to net charge-offs | -128.5714% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5224% | 4,312 |
| Assets per employee ($millions) | 5.3198% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6948% | 267 |
| Loan loss allowance to noncurrent loans | 203.0181% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 4,294 |
| Noncurrent loans to loans | 1.3274% | 1,670 |
| Net loans and leases to total assets | 20.7536% | 5,859 |
| Net loans and leases to deposits | 25.4308% | 5,852 |
| Net loans and leases to core deposits | 25.8172% | 5,861 |
| Total domestic deposits to total assets | 81.6080% | 4,075 |
| Equity capital to assets | 17.6201% | 380 |
| Core capital (leverage) ratio | 16.6343% | 396 |
| Tier 1 risk-based capital ratio | 59.4440% | 86 |
| Total risk-based capital ratio | 60.7036% | 84 |
| Memoranda: | ||
| Average total assets | $175,611,500 | 3,230 |
| Average earning assets | $170,965,000 | 3,111 |
| Average equity | $30,281,750 | 2,348 |
| Average total loans | $37,847,500 | 4,996 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6185% | 5,865 |
| Cost of funding earning assets | 0.1300% | 5,691 |
| Net interest margin | 2.4886% | 5,751 |
| Noninterest income to average assets | 0.4680% | 3,416 |
| Noninterest expense to average assets | 1.7753% | 5,623 |
| Loan and lease loss provision to assets | 0.0068% | 3,931 |
| Net operating income to assets | 0.9326% | 2,713 |
| Return on assets (ROA) | 0.9326% | 2,846 |
| Pretax return on assets | 1.1057% | 3,177 |
| Return on Equity (ROE) | 5.4483% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.4483% | 2,453 |
| Net charge-offs to loans | -0.0263% | 5,065 |
| Credit loss provision to net charge-offs | -120.0000% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4748% | 4,434 |
| Assets per employee ($millions) | 5.2492% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6352% | 303 |
| Loan loss allowance to noncurrent loans | 256.1224% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 4,614 |
| Noncurrent loans to loans | 1.0289% | 2,228 |
| Net loans and leases to total assets | 20.7845% | 5,931 |
| Net loans and leases to deposits | 25.3367% | 5,931 |
| Net loans and leases to core deposits | 25.7129% | 5,940 |
| Total domestic deposits to total assets | 82.0332% | 3,985 |
| Equity capital to assets | 17.1801% | 407 |
| Core capital (leverage) ratio | 16.6674% | 389 |
| Tier 1 risk-based capital ratio | 57.2395% | 100 |
| Total risk-based capital ratio | 58.4995% | 100 |
| Memoranda: | ||
| Average total assets | $175,630,330 | 3,247 |
| Average earning assets | $170,782,000 | 3,132 |
| Average equity | $30,064,670 | 2,363 |
| Average total loans | $37,982,330 | 5,040 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6785% | 5,914 |
| Cost of funding earning assets | 0.1299% | 5,754 |
| Net interest margin | 2.5486% | 5,766 |
| Noninterest income to average assets | 0.4753% | 3,311 |
| Noninterest expense to average assets | 1.7910% | 5,664 |
| Loan and lease loss provision to assets | 0.0069% | 3,590 |
| Net operating income to assets | 0.9896% | 2,326 |
| Return on assets (ROA) | 0.9896% | 2,437 |
| Pretax return on assets | 1.1549% | 2,869 |
| Return on Equity (ROE) | 5.7918% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.7918% | 2,477 |
| Net charge-offs to loans | -0.0316% | 5,090 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6532% | 4,657 |
| Assets per employee ($millions) | 5.2657% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7244% | 301 |
| Loan loss allowance to noncurrent loans | 272.2071% | 1,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 4,710 |
| Noncurrent loans to loans | 1.0008% | 2,383 |
| Net loans and leases to total assets | 20.5275% | 5,987 |
| Net loans and leases to deposits | 25.0514% | 5,986 |
| Net loans and leases to core deposits | 25.4339% | 5,990 |
| Total domestic deposits to total assets | 81.9413% | 4,246 |
| Equity capital to assets | 17.2990% | 398 |
| Core capital (leverage) ratio | 16.3489% | 432 |
| Tier 1 risk-based capital ratio | 58.8890% | 92 |
| Total risk-based capital ratio | 60.1490% | 92 |
| Memoranda: | ||
| Average total assets | $174,208,500 | 3,276 |
| Average earning assets | $169,345,500 | 3,164 |
| Average equity | $29,766,000 | 2,382 |
| Average total loans | $37,924,000 | 5,079 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7764% | 5,898 |
| Cost of funding earning assets | 0.1217% | 5,873 |
| Net interest margin | 2.6547% | 5,699 |
| Noninterest income to average assets | 0.4959% | 3,360 |
| Noninterest expense to average assets | 1.9964% | 5,461 |
| Loan and lease loss provision to assets | 0.0069% | 4,260 |
| Net operating income to assets | 0.9135% | 2,798 |
| Return on assets (ROA) | 0.9135% | 2,880 |
| Pretax return on assets | 1.0709% | 3,184 |
| Return on Equity (ROE) | 5.4736% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.4736% | 2,093 |
| Net charge-offs to loans | -0.0362% | 5,465 |
| Credit loss provision to net charge-offs | -80.0000% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9409% | 4,093 |
| Assets per employee ($millions) | 5.1368% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5345% | 377 |
| Loan loss allowance to noncurrent loans | 266.2198% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 4,749 |
| Noncurrent loans to loans | 0.9520% | 2,432 |
| Net loans and leases to total assets | 21.8643% | 6,030 |
| Net loans and leases to deposits | 26.4985% | 6,030 |
| Net loans and leases to core deposits | 26.8978% | 6,032 |
| Total domestic deposits to total assets | 82.5113% | 4,016 |
| Equity capital to assets | 16.8749% | 424 |
| Core capital (leverage) ratio | 15.8615% | 481 |
| Tier 1 risk-based capital ratio | 54.7409% | 107 |
| Total risk-based capital ratio | 55.9988% | 105 |
| Memoranda: | ||
| Average total assets | $173,408,200 | 3,255 |
| Average earning assets | $168,417,600 | 3,141 |
| Average equity | $28,938,800 | 2,397 |
| Average total loans | $41,458,200 | 4,949 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7818% | 5,971 |
| Cost of funding earning assets | 0.1197% | 5,981 |
| Net interest margin | 2.6621% | 5,766 |
| Noninterest income to average assets | 0.4991% | 3,371 |
| Noninterest expense to average assets | 1.8756% | 5,678 |
| Loan and lease loss provision to assets | 0.0069% | 4,121 |
| Net operating income to assets | 1.0036% | 2,452 |
| Return on assets (ROA) | 1.0036% | 2,546 |
| Pretax return on assets | 1.2039% | 2,803 |
| Return on Equity (ROE) | 6.0311% | 4,137 |
| Retained earnings to average equity (ytd only) | 6.0311% | 2,227 |
| Net charge-offs to loans | -0.0476% | 5,532 |
| Credit loss provision to net charge-offs | -60.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7687% | 4,781 |
| Assets per employee ($millions) | 5.2465% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3851% | 510 |
| Loan loss allowance to noncurrent loans | 225.0000% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 4,776 |
| Noncurrent loans to loans | 1.0600% | 2,357 |
| Net loans and leases to total assets | 22.7144% | 6,106 |
| Net loans and leases to deposits | 27.4363% | 6,109 |
| Net loans and leases to core deposits | 27.8396% | 6,115 |
| Total domestic deposits to total assets | 82.7896% | 3,883 |
| Equity capital to assets | 16.4480% | 500 |
| Core capital (leverage) ratio | 15.7783% | 520 |
| Tier 1 risk-based capital ratio | 51.1201% | 129 |
| Total risk-based capital ratio | 52.3771% | 126 |
| Memoranda: | ||
| Average total assets | $173,097,750 | 3,285 |
| Average earning assets | $168,235,000 | 3,173 |
| Average equity | $28,805,500 | 2,421 |
| Average total loans | $42,028,000 | 4,991 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8022% | 6,015 |
| Cost of funding earning assets | 0.1189% | 6,049 |
| Net interest margin | 2.6833% | 5,787 |
| Noninterest income to average assets | 0.4996% | 3,380 |
| Noninterest expense to average assets | 1.9120% | 5,694 |
| Loan and lease loss provision to assets | 0.0070% | 3,965 |
| Net operating income to assets | 0.9969% | 2,405 |
| Return on assets (ROA) | 0.9969% | 2,516 |
| Pretax return on assets | 1.1883% | 2,824 |
| Return on Equity (ROE) | 5.9663% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.9663% | 2,262 |
| Net charge-offs to loans | -0.0569% | 5,592 |
| Credit loss provision to net charge-offs | -50.0000% | 4,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5327% | 4,751 |
| Assets per employee ($millions) | 5.1687% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3915% | 558 |
| Loan loss allowance to noncurrent loans | 166.2162% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 4,526 |
| Noncurrent loans to loans | 1.4388% | 1,855 |
| Net loans and leases to total assets | 22.8532% | 6,179 |
| Net loans and leases to deposits | 27.5716% | 6,176 |
| Net loans and leases to core deposits | 27.9819% | 6,179 |
| Total domestic deposits to total assets | 82.8867% | 3,992 |
| Equity capital to assets | 16.4060% | 474 |
| Core capital (leverage) ratio | 16.2273% | 442 |
| Tier 1 risk-based capital ratio | 50.9867% | 139 |
| Total risk-based capital ratio | 52.2423% | 137 |
| Memoranda: | ||
| Average total assets | $171,337,000 | 3,324 |
| Average earning assets | $166,513,000 | 3,214 |
| Average equity | $28,627,330 | 2,443 |
| Average total loans | $42,201,330 | 5,024 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8629% | 6,020 |
| Cost of funding earning assets | 0.1194% | 6,120 |
| Net interest margin | 2.7435% | 5,748 |
| Noninterest income to average assets | 0.4659% | 3,531 |
| Noninterest expense to average assets | 1.8801% | 5,793 |
| Loan and lease loss provision to assets | 0.0071% | 3,615 |
| Net operating income to assets | 1.0524% | 2,024 |
| Return on assets (ROA) | 1.0524% | 2,163 |
| Pretax return on assets | 1.2416% | 2,506 |
| Return on Equity (ROE) | 6.2400% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.2400% | 2,362 |
| Net charge-offs to loans | -0.0187% | 5,014 |
| Credit loss provision to net charge-offs | -150.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0907% | 5,084 |
| Assets per employee ($millions) | 5.0289% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3917% | 622 |
| Loan loss allowance to noncurrent loans | 135.2368% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 4,351 |
| Noncurrent loans to loans | 1.7685% | 1,542 |
| Net loans and leases to total assets | 23.1764% | 6,231 |
| Net loans and leases to deposits | 28.1759% | 6,217 |
| Net loans and leases to core deposits | 28.6114% | 6,226 |
| Total domestic deposits to total assets | 82.2562% | 4,433 |
| Equity capital to assets | 16.8606% | 447 |
| Core capital (leverage) ratio | 15.8840% | 477 |
| Tier 1 risk-based capital ratio | 50.6789% | 148 |
| Total risk-based capital ratio | 51.9346% | 147 |
| Memoranda: | ||
| Average total assets | $169,138,000 | 3,380 |
| Average earning assets | $164,171,000 | 3,265 |
| Average equity | $28,525,500 | 2,463 |
| Average total loans | $42,729,500 | 5,038 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9938% | 6,070 |
| Cost of funding earning assets | 0.1254% | 6,222 |
| Net interest margin | 2.8684% | 5,700 |
| Noninterest income to average assets | 0.5013% | 3,495 |
| Noninterest expense to average assets | 2.1939% | 5,368 |
| Loan and lease loss provision to assets | 0.0073% | 4,483 |
| Net operating income to assets | 0.9438% | 2,654 |
| Return on assets (ROA) | 0.9438% | 2,747 |
| Pretax return on assets | 1.0679% | 3,214 |
| Return on Equity (ROE) | 5.6403% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.6403% | 2,175 |
| Net charge-offs to loans | -0.0255% | 5,753 |
| Credit loss provision to net charge-offs | -109.0909% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1092% | 4,040 |
| Assets per employee ($millions) | 4.7798% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1534% | 879 |
| Loan loss allowance to noncurrent loans | 131.0719% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 4,350 |
| Noncurrent loans to loans | 1.6429% | 1,782 |
| Net loans and leases to total assets | 26.2380% | 6,273 |
| Net loans and leases to deposits | 31.8941% | 6,263 |
| Net loans and leases to core deposits | 32.3982% | 6,273 |
| Total domestic deposits to total assets | 82.2657% | 4,322 |
| Equity capital to assets | 16.8699% | 434 |
| Core capital (leverage) ratio | 16.0729% | 460 |
| Tier 1 risk-based capital ratio | 48.0307% | 147 |
| Total risk-based capital ratio | 49.2865% | 147 |
| Memoranda: | ||
| Average total assets | $163,586,800 | 3,431 |
| Average earning assets | $157,860,200 | 3,315 |
| Average equity | $27,374,600 | 2,459 |
| Average total loans | $43,074,600 | 5,069 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0003% | 6,142 |
| Cost of funding earning assets | 0.1249% | 6,310 |
| Net interest margin | 2.8754% | 5,750 |
| Noninterest income to average assets | 0.4975% | 3,567 |
| Noninterest expense to average assets | 2.0894% | 5,600 |
| Loan and lease loss provision to assets | 0.0074% | 4,271 |
| Net operating income to assets | 1.0254% | 2,342 |
| Return on assets (ROA) | 1.0254% | 2,401 |
| Pretax return on assets | 1.1746% | 2,891 |
| Return on Equity (ROE) | 6.1406% | 4,163 |
| Retained earnings to average equity (ytd only) | 6.1406% | 2,319 |
| Net charge-offs to loans | -0.0532% | 5,931 |
| Credit loss provision to net charge-offs | -52.9412% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8687% | 4,569 |
| Assets per employee ($millions) | 4.6600% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2741% | 853 |
| Loan loss allowance to noncurrent loans | 148.3920% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 4,719 |
| Noncurrent loans to loans | 1.5325% | 2,113 |
| Net loans and leases to total assets | 25.5314% | 6,364 |
| Net loans and leases to deposits | 31.1382% | 6,355 |
| Net loans and leases to core deposits | 31.6445% | 6,368 |
| Total domestic deposits to total assets | 81.9940% | 4,480 |
| Equity capital to assets | 17.1023% | 414 |
| Core capital (leverage) ratio | 16.2029% | 454 |
| Tier 1 risk-based capital ratio | 47.3792% | 150 |
| Total risk-based capital ratio | 48.6355% | 150 |
| Memoranda: | ||
| Average total assets | $162,660,500 | 3,478 |
| Average earning assets | $156,913,000 | 3,349 |
| Average equity | $27,162,750 | 2,475 |
| Average total loans | $42,628,250 | 5,138 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9844% | 6,197 |
| Cost of funding earning assets | 0.1253% | 6,383 |
| Net interest margin | 2.8592% | 5,802 |
| Noninterest income to average assets | 0.4984% | 3,495 |
| Noninterest expense to average assets | 2.1291% | 5,564 |
| Loan and lease loss provision to assets | 0.0074% | 4,091 |
| Net operating income to assets | 0.9993% | 2,326 |
| Return on assets (ROA) | 0.9993% | 2,396 |
| Pretax return on assets | 1.1150% | 3,040 |
| Return on Equity (ROE) | 6.0329% | 4,131 |
| Retained earnings to average equity (ytd only) | 6.0329% | 2,302 |
| Net charge-offs to loans | 0.0094% | 4,086 |
| Credit loss provision to net charge-offs | 300.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 456.0000% | 154 |
| Efficiency ratio | 65.4807% | 4,448 |
| Assets per employee ($millions) | 4.7517% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1437% | 1,099 |
| Loan loss allowance to noncurrent loans | 141.3433% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 4,714 |
| Noncurrent loans to loans | 1.5167% | 2,294 |
| Net loans and leases to total assets | 25.9930% | 6,415 |
| Net loans and leases to deposits | 31.4509% | 6,400 |
| Net loans and leases to core deposits | 31.9476% | 6,412 |
| Total domestic deposits to total assets | 82.6463% | 4,432 |
| Equity capital to assets | 16.5029% | 478 |
| Core capital (leverage) ratio | 16.0462% | 472 |
| Tier 1 risk-based capital ratio | 45.7289% | 164 |
| Total risk-based capital ratio | 46.9837% | 166 |
| Memoranda: | ||
| Average total assets | $162,513,670 | 3,501 |
| Average earning assets | $156,479,330 | 3,372 |
| Average equity | $26,919,000 | 2,484 |
| Average total loans | $42,634,000 | 5,176 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0088% | 6,235 |
| Cost of funding earning assets | 0.1269% | 6,459 |
| Net interest margin | 2.8819% | 5,786 |
| Noninterest income to average assets | 0.4931% | 3,468 |
| Noninterest expense to average assets | 2.1368% | 5,601 |
| Loan and lease loss provision to assets | 0.0075% | 3,720 |
| Net operating income to assets | 1.0385% | 2,050 |
| Return on assets (ROA) | 1.0385% | 2,124 |
| Pretax return on assets | 1.1207% | 2,812 |
| Return on Equity (ROE) | 6.2576% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.2576% | 2,401 |
| Net charge-offs to loans | 0.0478% | 2,717 |
| Credit loss provision to net charge-offs | 60.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 90.6000% | 493 |
| Efficiency ratio | 65.4462% | 4,620 |
| Assets per employee ($millions) | 4.5190% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2436% | 1,102 |
| Loan loss allowance to noncurrent loans | 128.3765% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 4,783 |
| Noncurrent loans to loans | 1.7477% | 2,212 |
| Net loans and leases to total assets | 25.2030% | 6,483 |
| Net loans and leases to deposits | 30.5271% | 6,474 |
| Net loans and leases to core deposits | 31.0202% | 6,479 |
| Total domestic deposits to total assets | 82.5593% | 4,768 |
| Equity capital to assets | 16.5936% | 443 |
| Core capital (leverage) ratio | 15.9859% | 480 |
| Tier 1 risk-based capital ratio | 47.0354% | 155 |
| Total risk-based capital ratio | 48.2921% | 155 |
| Memoranda: | ||
| Average total assets | $160,615,500 | 3,553 |
| Average earning assets | $154,479,000 | 3,427 |
| Average equity | $26,655,500 | 2,498 |
| Average total loans | $41,863,000 | 5,248 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8748% | 6,445 |
| Cost of funding earning assets | 0.1459% | 6,554 |
| Net interest margin | 2.7289% | 6,102 |
| Noninterest income to average assets | 0.4868% | 3,842 |
| Noninterest expense to average assets | 2.1611% | 5,711 |
| Loan and lease loss provision to assets | 0.0073% | 4,979 |
| Net operating income to assets | 0.8852% | 2,852 |
| Return on assets (ROA) | 0.9088% | 2,822 |
| Pretax return on assets | 0.9663% | 3,495 |
| Return on Equity (ROE) | 5.6739% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.6739% | 2,171 |
| Net charge-offs to loans | 0.0528% | 4,486 |
| Credit loss provision to net charge-offs | 52.1739% | 3,763 |
| Earnings coverage of net charge-offs (x) | 67.3478% | 628 |
| Efficiency ratio | 69.4959% | 3,920 |
| Assets per employee ($millions) | 4.5299% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2568% | 1,107 |
| Loan loss allowance to noncurrent loans | 267.8977% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 5,619 |
| Noncurrent loans to loans | 0.8424% | 3,876 |
| Net loans and leases to total assets | 25.7594% | 6,573 |
| Net loans and leases to deposits | 31.1578% | 6,558 |
| Net loans and leases to core deposits | 31.6737% | 6,568 |
| Total domestic deposits to total assets | 82.6740% | 4,650 |
| Equity capital to assets | 16.5981% | 438 |
| Core capital (leverage) ratio | 15.7754% | 495 |
| Tier 1 risk-based capital ratio | 46.5093% | 154 |
| Total risk-based capital ratio | 47.7654% | 156 |
| Memoranda: | ||
| Average total assets | $163,295,800 | 3,507 |
| Average earning assets | $156,947,800 | 3,388 |
| Average equity | $26,155,000 | 2,529 |
| Average total loans | $43,598,600 | 5,211 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8596% | 6,522 |
| Cost of funding earning assets | 0.1500% | 6,635 |
| Net interest margin | 2.7096% | 6,160 |
| Noninterest income to average assets | 0.4791% | 3,940 |
| Noninterest expense to average assets | 1.9989% | 6,014 |
| Loan and lease loss provision to assets | 0.0073% | 4,833 |
| Net operating income to assets | 0.9861% | 2,439 |
| Return on assets (ROA) | 0.9897% | 2,514 |
| Pretax return on assets | 1.0830% | 3,179 |
| Return on Equity (ROE) | 6.2339% | 4,053 |
| Retained earnings to average equity (ytd only) | 6.2339% | 2,269 |
| Net charge-offs to loans | 0.0726% | 3,900 |
| Credit loss provision to net charge-offs | 37.5000% | 3,757 |
| Earnings coverage of net charge-offs (x) | 55.8319% | 802 |
| Efficiency ratio | 64.7924% | 4,678 |
| Assets per employee ($millions) | 4.5851% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2095% | 1,311 |
| Loan loss allowance to noncurrent loans | 289.8148% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 5,830 |
| Noncurrent loans to loans | 0.7624% | 4,321 |
| Net loans and leases to total assets | 25.8978% | 6,650 |
| Net loans and leases to deposits | 31.2629% | 6,634 |
| Net loans and leases to core deposits | 31.6643% | 6,651 |
| Total domestic deposits to total assets | 82.8387% | 4,638 |
| Equity capital to assets | 16.3270% | 494 |
| Core capital (leverage) ratio | 15.5941% | 555 |
| Tier 1 risk-based capital ratio | 47.0338% | 157 |
| Total risk-based capital ratio | 48.2908% | 154 |
| Memoranda: | ||
| Average total assets | $164,482,750 | 3,527 |
| Average earning assets | $158,200,000 | 3,407 |
| Average equity | $26,114,750 | 2,572 |
| Average total loans | $44,052,250 | 5,239 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8451% | 6,583 |
| Cost of funding earning assets | 0.1568% | 6,686 |
| Net interest margin | 2.6883% | 6,196 |
| Noninterest income to average assets | 0.4583% | 4,106 |
| Noninterest expense to average assets | 2.0239% | 6,004 |
| Loan and lease loss provision to assets | 0.0072% | 4,702 |
| Net operating income to assets | 0.9448% | 2,592 |
| Return on assets (ROA) | 0.9504% | 2,715 |
| Pretax return on assets | 1.0180% | 3,424 |
| Return on Equity (ROE) | 6.0416% | 4,150 |
| Retained earnings to average equity (ytd only) | 6.0416% | 2,412 |
| Net charge-offs to loans | 0.0718% | 3,685 |
| Credit loss provision to net charge-offs | 37.5000% | 3,461 |
| Earnings coverage of net charge-offs (x) | 52.8125% | 774 |
| Efficiency ratio | 66.5081% | 4,448 |
| Assets per employee ($millions) | 4.6681% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1236% | 1,578 |
| Loan loss allowance to noncurrent loans | 337.1429% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 5,989 |
| Noncurrent loans to loans | 0.6299% | 4,683 |
| Net loans and leases to total assets | 26.6295% | 6,669 |
| Net loans and leases to deposits | 32.0150% | 6,652 |
| Net loans and leases to core deposits | 32.4159% | 6,678 |
| Total domestic deposits to total assets | 83.1782% | 4,632 |
| Equity capital to assets | 15.9374% | 531 |
| Core capital (leverage) ratio | 15.0990% | 596 |
| Tier 1 risk-based capital ratio | 44.8731% | 168 |
| Total risk-based capital ratio | 46.1292% | 170 |
| Memoranda: | ||
| Average total assets | $165,818,000 | 3,530 |
| Average earning assets | $159,432,330 | 3,405 |
| Average equity | $26,086,000 | 2,578 |
| Average total loans | $44,570,000 | 5,241 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8589% | 6,646 |
| Cost of funding earning assets | 0.1745% | 6,701 |
| Net interest margin | 2.6844% | 6,242 |
| Noninterest income to average assets | 0.4406% | 4,180 |
| Noninterest expense to average assets | 1.9924% | 6,120 |
| Loan and lease loss provision to assets | 0.0072% | 4,353 |
| Net operating income to assets | 0.9491% | 2,442 |
| Return on assets (ROA) | 0.9603% | 2,531 |
| Pretax return on assets | 1.0321% | 3,216 |
| Return on Equity (ROE) | 6.1434% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.1434% | 2,605 |
| Net charge-offs to loans | 0.1344% | 2,602 |
| Credit loss provision to net charge-offs | 20.0000% | 3,031 |
| Earnings coverage of net charge-offs (x) | 28.6000% | 982 |
| Efficiency ratio | 65.9794% | 4,664 |
| Assets per employee ($millions) | 4.7681% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1832% | 1,619 |
| Loan loss allowance to noncurrent loans | 334.0426% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 6,066 |
| Noncurrent loans to loans | 0.6536% | 4,817 |
| Net loans and leases to total assets | 25.2899% | 6,748 |
| Net loans and leases to deposits | 30.3832% | 6,738 |
| Net loans and leases to core deposits | 30.7549% | 6,751 |
| Total domestic deposits to total assets | 83.2364% | 4,780 |
| Equity capital to assets | 15.7102% | 605 |
| Core capital (leverage) ratio | 14.4435% | 682 |
| Tier 1 risk-based capital ratio | 44.4199% | 175 |
| Total risk-based capital ratio | 45.6761% | 174 |
| Memoranda: | ||
| Average total assets | $167,035,500 | 3,547 |
| Average earning assets | $160,483,000 | 3,420 |
| Average equity | $26,109,500 | 2,607 |
| Average total loans | $44,629,000 | 5,275 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8567% | 6,835 |
| Cost of funding earning assets | 0.2081% | 6,815 |
| Net interest margin | 2.6486% | 6,588 |
| Noninterest income to average assets | 0.4366% | 4,347 |
| Noninterest expense to average assets | 1.9963% | 6,334 |
| Loan and lease loss provision to assets | 0.0336% | 5,468 |
| Net operating income to assets | 0.8732% | 2,942 |
| Return on assets (ROA) | 0.8732% | 3,185 |
| Pretax return on assets | 0.9533% | 3,730 |
| Return on Equity (ROE) | 5.6578% | 4,335 |
| Retained earnings to average equity (ytd only) | -4.6919% | 6,406 |
| Net charge-offs to loans | 0.0173% | 5,671 |
| Credit loss provision to net charge-offs | 750.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 220.1250% | 193 |
| Efficiency ratio | 66.9172% | 4,343 |
| Assets per employee ($millions) | 4.7767% | 2,529 |
| Cash dividends to net income (ytd only)* | 182.9268% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0689% | 1,836 |
| Loan loss allowance to noncurrent loans | 262.0879% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 6,017 |
| Noncurrent loans to loans | 0.7894% | 4,602 |
| Net loans and leases to total assets | 27.0100% | 6,785 |
| Net loans and leases to deposits | 32.3969% | 6,780 |
| Net loans and leases to core deposits | 32.9111% | 6,790 |
| Total domestic deposits to total assets | 83.3724% | 4,572 |
| Equity capital to assets | 15.5521% | 626 |
| Core capital (leverage) ratio | 12.9534% | 1,129 |
| Tier 1 risk-based capital ratio | 40.8172% | 226 |
| Total risk-based capital ratio | 42.0719% | 221 |
| Memoranda: | ||
| Average total assets | $178,430,200 | 3,332 |
| Average earning assets | $171,560,600 | 3,210 |
| Average equity | $27,537,000 | 2,444 |
| Average total loans | $46,181,000 | 5,241 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8141% | 6,968 |
| Cost of funding earning assets | 0.2127% | 6,924 |
| Net interest margin | 2.6014% | 6,755 |
| Noninterest income to average assets | 0.4090% | 4,564 |
| Noninterest expense to average assets | 1.8487% | 6,618 |
| Loan and lease loss provision to assets | 0.0331% | 5,361 |
| Net operating income to assets | 0.9247% | 2,853 |
| Return on assets (ROA) | 0.9247% | 3,078 |
| Pretax return on assets | 1.0380% | 3,571 |
| Return on Equity (ROE) | 6.0025% | 4,328 |
| Retained earnings to average equity (ytd only) | 6.0025% | 2,694 |
| Net charge-offs to loans | -0.0346% | 6,609 |
| Credit loss provision to net charge-offs | -375.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3157% | 4,922 |
| Assets per employee ($millions) | 5.1120% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1754% | 1,756 |
| Loan loss allowance to noncurrent loans | 382.0717% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 6,373 |
| Noncurrent loans to loans | 0.5694% | 5,299 |
| Net loans and leases to total assets | 23.4333% | 6,980 |
| Net loans and leases to deposits | 28.1208% | 6,981 |
| Net loans and leases to core deposits | 29.0512% | 6,980 |
| Total domestic deposits to total assets | 83.3307% | 4,508 |
| Equity capital to assets | 15.5782% | 690 |
| Core capital (leverage) ratio | 14.0923% | 804 |
| Tier 1 risk-based capital ratio | 47.9343% | 149 |
| Total risk-based capital ratio | 49.1904% | 150 |
| Memoranda: | ||
| Average total assets | $181,241,250 | 3,327 |
| Average earning assets | $174,925,000 | 3,199 |
| Average equity | $27,921,000 | 2,419 |
| Average total loans | $46,198,500 | 5,305 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8565% | 7,026 |
| Cost of funding earning assets | 0.2150% | 6,997 |
| Net interest margin | 2.6414% | 6,781 |
| Noninterest income to average assets | 0.3915% | 4,718 |
| Noninterest expense to average assets | 1.8712% | 6,654 |
| Loan and lease loss provision to assets | 0.0333% | 5,254 |
| Net operating income to assets | 0.9229% | 2,795 |
| Return on assets (ROA) | 0.9229% | 3,055 |
| Pretax return on assets | 1.0349% | 3,581 |
| Return on Equity (ROE) | 6.0134% | 4,322 |
| Retained earnings to average equity (ytd only) | 6.0134% | 2,709 |
| Net charge-offs to loans | -0.0512% | 6,669 |
| Credit loss provision to net charge-offs | -250.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6604% | 4,955 |
| Assets per employee ($millions) | 5.0863% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0268% | 2,161 |
| Loan loss allowance to noncurrent loans | 494.2408% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 6,543 |
| Noncurrent loans to loans | 0.4101% | 5,715 |
| Net loans and leases to total assets | 24.2469% | 7,028 |
| Net loans and leases to deposits | 28.8652% | 7,025 |
| Net loans and leases to core deposits | 29.7226% | 7,031 |
| Total domestic deposits to total assets | 84.0005% | 4,317 |
| Equity capital to assets | 14.9777% | 795 |
| Core capital (leverage) ratio | 13.7537% | 881 |
| Tier 1 risk-based capital ratio | 46.0282% | 161 |
| Total risk-based capital ratio | 47.2834% | 160 |
| Memoranda: | ||
| Average total assets | $180,310,670 | 3,351 |
| Average earning assets | $173,920,330 | 3,220 |
| Average equity | $27,671,670 | 2,428 |
| Average total loans | $46,903,330 | 5,308 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8911% | 7,082 |
| Cost of funding earning assets | 0.2238% | 7,067 |
| Net interest margin | 2.6672% | 6,813 |
| Noninterest income to average assets | 0.3946% | 4,712 |
| Noninterest expense to average assets | 1.9006% | 6,648 |
| Loan and lease loss provision to assets | 0.0340% | 4,953 |
| Net operating income to assets | 0.9095% | 2,869 |
| Return on assets (ROA) | 0.9095% | 3,095 |
| Pretax return on assets | 1.0274% | 3,584 |
| Return on Equity (ROE) | 5.8510% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.8510% | 3,041 |
| Net charge-offs to loans | -0.1190% | 6,850 |
| Credit loss provision to net charge-offs | -107.1429% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1654% | 4,893 |
| Assets per employee ($millions) | 5.1571% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0579% | 2,192 |
| Loan loss allowance to noncurrent loans | 313.4680% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 6,473 |
| Noncurrent loans to loans | 0.6565% | 5,330 |
| Net loans and leases to total assets | 24.5487% | 7,071 |
| Net loans and leases to deposits | 29.3415% | 7,068 |
| Net loans and leases to core deposits | 30.1891% | 7,072 |
| Total domestic deposits to total assets | 83.6657% | 4,648 |
| Equity capital to assets | 15.2960% | 694 |
| Core capital (leverage) ratio | 14.0528% | 792 |
| Tier 1 risk-based capital ratio | 46.1153% | 154 |
| Total risk-based capital ratio | 47.3706% | 152 |
| Memoranda: | ||
| Average total assets | $176,369,500 | 3,433 |
| Average earning assets | $169,765,000 | 3,291 |
| Average equity | $27,414,000 | 2,440 |
| Average total loans | $47,067,500 | 5,337 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 6,995 |
| Cost of funding earning assets | 0.3068% | 7,096 |
| Net interest margin | 3.1943% | 6,112 |
| Noninterest income to average assets | 0.4940% | 3,891 |
| Noninterest expense to average assets | 2.1803% | 6,311 |
| Loan and lease loss provision to assets | 0.0362% | 6,114 |
| Net operating income to assets | 1.1323% | 1,715 |
| Return on assets (ROA) | 1.1385% | 1,817 |
| Pretax return on assets | 1.3468% | 1,960 |
| Return on Equity (ROE) | 7.1723% | 3,320 |
| Retained earnings to average equity (ytd only) | 3.0706% | 4,042 |
| Net charge-offs to loans | 0.0795% | 5,527 |
| Credit loss provision to net charge-offs | 146.3415% | 1,956 |
| Earnings coverage of net charge-offs (x) | 55.5610% | 513 |
| Efficiency ratio | 61.3111% | 5,561 |
| Assets per employee ($millions) | 4.9212% | 2,309 |
| Cash dividends to net income (ytd only)* | 57.1883% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 2,724 |
| Loan loss allowance to noncurrent loans | 355.1181% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 6,584 |
| Noncurrent loans to loans | 0.5195% | 5,673 |
| Net loans and leases to total assets | 27.8633% | 7,063 |
| Net loans and leases to deposits | 33.5161% | 7,057 |
| Net loans and leases to core deposits | 34.5385% | 7,069 |
| Total domestic deposits to total assets | 83.1341% | 4,693 |
| Equity capital to assets | 15.8029% | 611 |
| Core capital (leverage) ratio | 14.6682% | 671 |
| Tier 1 risk-based capital ratio | 41.9963% | 202 |
| Total risk-based capital ratio | 43.2503% | 196 |
| Memoranda: | ||
| Average total assets | $165,575,800 | 3,559 |
| Average earning assets | $158,719,200 | 3,429 |
| Average equity | $26,281,800 | 2,458 |
| Average total loans | $51,549,800 | 5,210 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 7,026 |
| Cost of funding earning assets | 0.3221% | 7,178 |
| Net interest margin | 3.2725% | 5,944 |
| Noninterest income to average assets | 0.5068% | 3,819 |
| Noninterest expense to average assets | 2.0222% | 6,650 |
| Loan and lease loss provision to assets | 0.0366% | 5,980 |
| Net operating income to assets | 1.3008% | 1,372 |
| Return on assets (ROA) | 1.3088% | 1,443 |
| Pretax return on assets | 1.5984% | 1,391 |
| Return on Equity (ROE) | 8.2360% | 2,945 |
| Retained earnings to average equity (ytd only) | 2.7180% | 4,726 |
| Net charge-offs to loans | 0.0638% | 5,329 |
| Credit loss provision to net charge-offs | 180.0000% | 1,651 |
| Earnings coverage of net charge-offs (x) | 79.9259% | 442 |
| Efficiency ratio | 55.4416% | 6,345 |
| Assets per employee ($millions) | 4.7710% | 2,520 |
| Cash dividends to net income (ytd only)* | 66.9982% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7393% | 3,137 |
| Loan loss allowance to noncurrent loans | 387.5536% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 6,693 |
| Noncurrent loans to loans | 0.4488% | 5,946 |
| Net loans and leases to total assets | 30.5502% | 7,072 |
| Net loans and leases to deposits | 36.9501% | 7,062 |
| Net loans and leases to core deposits | 38.1205% | 7,082 |
| Total domestic deposits to total assets | 82.6798% | 4,806 |
| Equity capital to assets | 16.1273% | 608 |
| Core capital (leverage) ratio | 14.8155% | 702 |
| Tier 1 risk-based capital ratio | 40.1600% | 251 |
| Total risk-based capital ratio | 41.4123% | 241 |
| Memoranda: | ||
| Average total assets | $163,909,500 | 3,608 |
| Average earning assets | $157,306,000 | 3,475 |
| Average equity | $26,047,500 | 2,474 |
| Average total loans | $52,213,750 | 5,226 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6604% | 7,048 |
| Cost of funding earning assets | 0.3317% | 7,260 |
| Net interest margin | 3.3287% | 5,776 |
| Noninterest income to average assets | 0.5317% | 3,620 |
| Noninterest expense to average assets | 2.0653% | 6,664 |
| Loan and lease loss provision to assets | 0.0368% | 5,854 |
| Net operating income to assets | 1.3275% | 1,254 |
| Return on assets (ROA) | 1.3396% | 1,293 |
| Pretax return on assets | 1.6355% | 1,191 |
| Return on Equity (ROE) | 8.4727% | 2,724 |
| Retained earnings to average equity (ytd only) | 5.7546% | 2,567 |
| Net charge-offs to loans | 0.0918% | 4,753 |
| Credit loss provision to net charge-offs | 125.0000% | 2,438 |
| Earnings coverage of net charge-offs (x) | 56.2500% | 567 |
| Efficiency ratio | 55.4749% | 6,465 |
| Assets per employee ($millions) | 4.7671% | 2,455 |
| Cash dividends to net income (ytd only)* | 32.0807% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6637% | 3,440 |
| Loan loss allowance to noncurrent loans | 808.1818% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 6,877 |
| Noncurrent loans to loans | 0.2059% | 6,497 |
| Net loans and leases to total assets | 31.4936% | 7,128 |
| Net loans and leases to deposits | 37.8534% | 7,123 |
| Net loans and leases to core deposits | 39.1934% | 7,139 |
| Total domestic deposits to total assets | 83.1987% | 4,672 |
| Equity capital to assets | 15.8831% | 624 |
| Core capital (leverage) ratio | 15.0076% | 659 |
| Tier 1 risk-based capital ratio | 39.4539% | 254 |
| Total risk-based capital ratio | 40.7058% | 250 |
| Memoranda: | ||
| Average total assets | $162,884,670 | 3,635 |
| Average earning assets | $156,158,330 | 3,523 |
| Average equity | $25,753,330 | 2,488 |
| Average total loans | $52,312,670 | 5,271 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 7,014 |
| Cost of funding earning assets | 0.3607% | 7,302 |
| Net interest margin | 3.3890% | 5,469 |
| Noninterest income to average assets | 0.4897% | 3,970 |
| Noninterest expense to average assets | 2.0808% | 6,679 |
| Loan and lease loss provision to assets | 0.0373% | 5,522 |
| Net operating income to assets | 1.3549% | 1,142 |
| Return on assets (ROA) | 1.3549% | 1,195 |
| Pretax return on assets | 1.6184% | 1,146 |
| Return on Equity (ROE) | 8.5896% | 2,659 |
| Retained earnings to average equity (ytd only) | 3.0733% | 4,321 |
| Net charge-offs to loans | 0.1932% | 3,345 |
| Credit loss provision to net charge-offs | 60.0000% | 3,543 |
| Earnings coverage of net charge-offs (x) | 26.6400% | 918 |
| Efficiency ratio | 55.6886% | 6,536 |
| Assets per employee ($millions) | 4.6024% | 2,728 |
| Cash dividends to net income (ytd only)* | 64.2202% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 3,344 |
| Loan loss allowance to noncurrent loans | 411.7925% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 6,775 |
| Noncurrent loans to loans | 0.4125% | 6,175 |
| Net loans and leases to total assets | 31.3642% | 7,191 |
| Net loans and leases to deposits | 37.6215% | 7,179 |
| Net loans and leases to core deposits | 38.9997% | 7,192 |
| Total domestic deposits to total assets | 83.3678% | 4,761 |
| Equity capital to assets | 15.8246% | 603 |
| Core capital (leverage) ratio | 14.6443% | 720 |
| Tier 1 risk-based capital ratio | 37.8347% | 275 |
| Total risk-based capital ratio | 39.0862% | 271 |
| Memoranda: | ||
| Average total assets | $160,902,000 | 3,691 |
| Average earning assets | $154,144,500 | 3,580 |
| Average equity | $25,379,500 | 2,507 |
| Average total loans | $51,751,000 | 5,337 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 7,038 |
| Cost of funding earning assets | 0.4536% | 7,363 |
| Net interest margin | 3.6539% | 4,558 |
| Noninterest income to average assets | 0.5118% | 4,079 |
| Noninterest expense to average assets | 2.5078% | 5,768 |
| Loan and lease loss provision to assets | 0.2771% | 4,591 |
| Net operating income to assets | 1.0978% | 1,708 |
| Return on assets (ROA) | 1.0978% | 1,794 |
| Pretax return on assets | 1.2318% | 2,134 |
| Return on Equity (ROE) | 6.7503% | 3,238 |
| Retained earnings to average equity (ytd only) | 3.9510% | 3,100 |
| Net charge-offs to loans | 0.9350% | 2,314 |
| Credit loss provision to net charge-offs | 90.2542% | 5,120 |
| Earnings coverage of net charge-offs (x) | 4.9153% | 2,768 |
| Efficiency ratio | 62.4352% | 5,648 |
| Assets per employee ($millions) | 4.4644% | 2,931 |
| Cash dividends to net income (ytd only)* | 41.4692% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 3,235 |
| Loan loss allowance to noncurrent loans | 1,103.7500% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 7,045 |
| Noncurrent loans to loans | 0.1535% | 6,762 |
| Net loans and leases to total assets | 31.8712% | 7,295 |
| Net loans and leases to deposits | 38.1501% | 7,302 |
| Net loans and leases to core deposits | 39.4706% | 7,316 |
| Total domestic deposits to total assets | 83.5415% | 4,583 |
| Equity capital to assets | 15.7218% | 639 |
| Core capital (leverage) ratio | 15.1317% | 646 |
| Tier 1 risk-based capital ratio | 36.5111% | 309 |
| Total risk-based capital ratio | 37.7624% | 301 |
| Memoranda: | ||
| Average total assets | $153,757,800 | 3,809 |
| Average earning assets | $147,485,600 | 3,672 |
| Average equity | $25,006,200 | 2,556 |
| Average total loans | $50,482,600 | 5,468 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 7,148 |
| Cost of funding earning assets | 0.4720% | 7,483 |
| Net interest margin | 3.6831% | 4,496 |
| Noninterest income to average assets | 0.5157% | 4,060 |
| Noninterest expense to average assets | 2.3567% | 6,160 |
| Loan and lease loss provision to assets | 0.3131% | 4,076 |
| Net operating income to assets | 1.1884% | 1,625 |
| Return on assets (ROA) | 1.1884% | 1,717 |
| Pretax return on assets | 1.3770% | 1,944 |
| Return on Equity (ROE) | 7.2436% | 3,231 |
| Retained earnings to average equity (ytd only) | 3.5015% | 3,993 |
| Net charge-offs to loans | 1.1316% | 1,803 |
| Credit loss provision to net charge-offs | 84.0000% | 4,999 |
| Earnings coverage of net charge-offs (x) | 4.5341% | 3,013 |
| Efficiency ratio | 58.2358% | 6,235 |
| Assets per employee ($millions) | 4.1296% | 3,598 |
| Cash dividends to net income (ytd only)* | 51.6606% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 3,248 |
| Loan loss allowance to noncurrent loans | 1,285.0746% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 7,169 |
| Noncurrent loans to loans | 0.1301% | 6,916 |
| Net loans and leases to total assets | 33.1459% | 7,370 |
| Net loans and leases to deposits | 40.3478% | 7,361 |
| Net loans and leases to core deposits | 41.8453% | 7,381 |
| Total domestic deposits to total assets | 82.1505% | 4,936 |
| Equity capital to assets | 16.7493% | 551 |
| Core capital (leverage) ratio | 15.4288% | 643 |
| Tier 1 risk-based capital ratio | 37.7007% | 289 |
| Total risk-based capital ratio | 38.9517% | 283 |
| Memoranda: | ||
| Average total assets | $152,017,500 | 3,898 |
| Average earning assets | $145,744,000 | 3,755 |
| Average equity | $24,940,750 | 2,596 |
| Average total loans | $50,076,750 | 5,566 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 7,188 |
| Cost of funding earning assets | 0.4885% | 7,559 |
| Net interest margin | 3.6988% | 4,371 |
| Noninterest income to average assets | 0.5047% | 4,078 |
| Noninterest expense to average assets | 2.3669% | 6,162 |
| Loan and lease loss provision to assets | 0.4586% | 3,025 |
| Net operating income to assets | 1.0873% | 1,897 |
| Return on assets (ROA) | 1.0873% | 1,968 |
| Pretax return on assets | 1.2217% | 2,345 |
| Return on Equity (ROE) | 6.6738% | 3,450 |
| Retained earnings to average equity (ytd only) | 3.8425% | 3,644 |
| Net charge-offs to loans | 1.7056% | 1,096 |
| Credit loss provision to net charge-offs | 82.2695% | 4,648 |
| Earnings coverage of net charge-offs (x) | 3.0142% | 3,491 |
| Efficiency ratio | 58.4826% | 6,308 |
| Assets per employee ($millions) | 4.1923% | 3,397 |
| Cash dividends to net income (ytd only)* | 42.4242% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 3,214 |
| Loan loss allowance to noncurrent loans | 543.9490% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 7,008 |
| Noncurrent loans to loans | 0.3056% | 6,612 |
| Net loans and leases to total assets | 32.5664% | 7,467 |
| Net loans and leases to deposits | 39.1826% | 7,458 |
| Net loans and leases to core deposits | 40.5958% | 7,478 |
| Total domestic deposits to total assets | 83.1144% | 4,523 |
| Equity capital to assets | 16.0347% | 663 |
| Core capital (leverage) ratio | 15.7975% | 592 |
| Tier 1 risk-based capital ratio | 36.7849% | 307 |
| Total risk-based capital ratio | 38.0355% | 299 |
| Memoranda: | ||
| Average total assets | $151,758,670 | 3,924 |
| Average earning assets | $145,344,000 | 3,790 |
| Average equity | $24,723,670 | 2,621 |
| Average total loans | $49,600,330 | 5,625 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 7,246 |
| Cost of funding earning assets | 0.5116% | 7,660 |
| Net interest margin | 3.7009% | 4,236 |
| Noninterest income to average assets | 0.5197% | 3,895 |
| Noninterest expense to average assets | 2.3880% | 6,133 |
| Loan and lease loss provision to assets | 0.4184% | 2,863 |
| Net operating income to assets | 1.1194% | 1,769 |
| Return on assets (ROA) | 1.1194% | 1,853 |
| Pretax return on assets | 1.2607% | 2,172 |
| Return on Equity (ROE) | 6.8156% | 3,443 |
| Retained earnings to average equity (ytd only) | 1.1359% | 5,364 |
| Net charge-offs to loans | 3.4978% | 404 |
| Credit loss provision to net charge-offs | 36.8545% | 4,695 |
| Earnings coverage of net charge-offs (x) | 1.4789% | 3,848 |
| Efficiency ratio | 58.7156% | 6,377 |
| Assets per employee ($millions) | 3.9964% | 3,882 |
| Cash dividends to net income (ytd only)* | 83.3333% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 4,644 |
| Loan loss allowance to noncurrent loans | 795.1807% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 7,155 |
| Noncurrent loans to loans | 0.1706% | 6,995 |
| Net loans and leases to total assets | 32.4587% | 7,554 |
| Net loans and leases to deposits | 39.5886% | 7,532 |
| Net loans and leases to core deposits | 41.1104% | 7,548 |
| Total domestic deposits to total assets | 81.9900% | 5,074 |
| Equity capital to assets | 16.6919% | 566 |
| Core capital (leverage) ratio | 15.6383% | 638 |
| Tier 1 risk-based capital ratio | 38.1178% | 287 |
| Total risk-based capital ratio | 39.2167% | 279 |
| Memoranda: | ||
| Average total assets | $150,081,000 | 4,004 |
| Average earning assets | $143,857,000 | 3,873 |
| Average equity | $24,649,500 | 2,647 |
| Average total loans | $48,716,000 | 5,724 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 7,382 |
| Cost of funding earning assets | 0.6292% | 7,753 |
| Net interest margin | 3.8729% | 3,387 |
| Noninterest income to average assets | 0.4851% | 4,529 |
| Noninterest expense to average assets | 2.5182% | 6,065 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3655% | 908 |
| Return on assets (ROA) | 1.3387% | 1,005 |
| Pretax return on assets | 1.6379% | 887 |
| Return on Equity (ROE) | 8.5016% | 2,195 |
| Retained earnings to average equity (ytd only) | 5.5986% | 1,524 |
| Net charge-offs to loans | 0.0860% | 6,260 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 61.1463% | 443 |
| Efficiency ratio | 60.1177% | 6,476 |
| Assets per employee ($millions) | 4.2304% | 3,377 |
| Cash dividends to net income (ytd only)* | 34.1463% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9046% | 2,254 |
| Loan loss allowance to noncurrent loans | 231.0945% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 6,791 |
| Noncurrent loans to loans | 0.8242% | 5,645 |
| Net loans and leases to total assets | 31.4175% | 7,676 |
| Net loans and leases to deposits | 40.6911% | 7,604 |
| Net loans and leases to core deposits | 44.0215% | 7,703 |
| Total domestic deposits to total assets | 77.2099% | 6,413 |
| Equity capital to assets | 16.1641% | 674 |
| Core capital (leverage) ratio | 15.0288% | 782 |
| Tier 1 risk-based capital ratio | 30.1098% | 519 |
| Total risk-based capital ratio | 31.3354% | 502 |
| Memoranda: | ||
| Average total assets | $150,069,200 | 3,959 |
| Average earning assets | $143,511,600 | 3,828 |
| Average equity | $23,630,800 | 2,777 |
| Average total loans | $47,677,600 | 5,777 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 7,466 |
| Cost of funding earning assets | 0.6526% | 7,856 |
| Net interest margin | 3.8885% | 3,273 |
| Noninterest income to average assets | 0.4896% | 4,584 |
| Noninterest expense to average assets | 2.3355% | 6,610 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4937% | 827 |
| Return on assets (ROA) | 1.4937% | 882 |
| Pretax return on assets | 1.8736% | 695 |
| Return on Equity (ROE) | 9.5504% | 2,082 |
| Retained earnings to average equity (ytd only) | 5.6390% | 2,135 |
| Net charge-offs to loans | 0.1041% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 56.7861% | 575 |
| Efficiency ratio | 55.4873% | 7,071 |
| Assets per employee ($millions) | 4.3754% | 3,080 |
| Cash dividends to net income (ytd only)* | 40.9550% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9461% | 1,910 |
| Loan loss allowance to noncurrent loans | 284.4512% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 6,999 |
| Noncurrent loans to loans | 0.6842% | 5,934 |
| Net loans and leases to total assets | 29.8439% | 7,810 |
| Net loans and leases to deposits | 40.9791% | 7,701 |
| Net loans and leases to core deposits | 44.4533% | 7,790 |
| Total domestic deposits to total assets | 72.8270% | 7,104 |
| Equity capital to assets | 15.5060% | 889 |
| Core capital (leverage) ratio | 15.0522% | 846 |
| Tier 1 risk-based capital ratio | 29.5250% | 599 |
| Total risk-based capital ratio | 30.7516% | 589 |
| Memoranda: | ||
| Average total assets | $149,513,000 | 3,986 |
| Average earning assets | $143,017,000 | 3,864 |
| Average equity | $23,384,250 | 2,821 |
| Average total loans | $47,403,000 | 5,829 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 7,437 |
| Cost of funding earning assets | 0.6880% | 7,929 |
| Net interest margin | 3.9776% | 2,803 |
| Noninterest income to average assets | 0.4930% | 4,502 |
| Noninterest expense to average assets | 2.4093% | 6,427 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4995% | 838 |
| Return on assets (ROA) | 1.4995% | 896 |
| Pretax return on assets | 1.8713% | 740 |
| Return on Equity (ROE) | 9.5583% | 2,169 |
| Retained earnings to average equity (ytd only) | 6.6413% | 1,723 |
| Net charge-offs to loans | 0.0974% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 59.7391% | 597 |
| Efficiency ratio | 56.2838% | 7,087 |
| Assets per employee ($millions) | 4.1351% | 3,426 |
| Cash dividends to net income (ytd only)* | 30.5177% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 1,471 |
| Loan loss allowance to noncurrent loans | 240.9669% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 6,812 |
| Noncurrent loans to loans | 0.8531% | 5,519 |
| Net loans and leases to total assets | 30.3097% | 7,878 |
| Net loans and leases to deposits | 40.0714% | 7,814 |
| Net loans and leases to core deposits | 43.3859% | 7,884 |
| Total domestic deposits to total assets | 75.6393% | 6,630 |
| Equity capital to assets | 15.7111% | 884 |
| Core capital (leverage) ratio | 15.1534% | 884 |
| Tier 1 risk-based capital ratio | 30.6679% | 562 |
| Total risk-based capital ratio | 31.9190% | 549 |
| Memoranda: | ||
| Average total assets | $146,846,330 | 4,056 |
| Average earning assets | $139,831,670 | 3,950 |
| Average equity | $23,037,670 | 2,855 |
| Average total loans | $47,223,670 | 5,877 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 7,455 |
| Cost of funding earning assets | 0.7251% | 7,979 |
| Net interest margin | 4.0097% | 2,606 |
| Noninterest income to average assets | 0.4992% | 4,327 |
| Noninterest expense to average assets | 2.2683% | 6,638 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6402% | 738 |
| Return on assets (ROA) | 1.6402% | 808 |
| Pretax return on assets | 2.0680% | 575 |
| Return on Equity (ROE) | 10.4625% | 2,145 |
| Retained earnings to average equity (ytd only) | 4.5839% | 3,378 |
| Net charge-offs to loans | 0.0753% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 83.7778% | 503 |
| Efficiency ratio | 52.3087% | 7,384 |
| Assets per employee ($millions) | 4.0849% | 3,480 |
| Cash dividends to net income (ytd only)* | 56.1873% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 1,327 |
| Loan loss allowance to noncurrent loans | 256.9519% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 6,748 |
| Noncurrent loans to loans | 0.7975% | 5,440 |
| Net loans and leases to total assets | 31.2348% | 7,884 |
| Net loans and leases to deposits | 41.3241% | 7,802 |
| Net loans and leases to core deposits | 44.8608% | 7,890 |
| Total domestic deposits to total assets | 75.5850% | 6,587 |
| Equity capital to assets | 15.4593% | 974 |
| Core capital (leverage) ratio | 14.9848% | 977 |
| Tier 1 risk-based capital ratio | 30.0581% | 617 |
| Total risk-based capital ratio | 31.3086% | 606 |
| Memoranda: | ||
| Average total assets | $145,838,000 | 4,080 |
| Average earning assets | $139,560,500 | 3,962 |
| Average equity | $22,862,500 | 2,888 |
| Average total loans | $47,802,000 | 5,880 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 7,682 |
| Cost of funding earning assets | 1.2369% | 7,903 |
| Net interest margin | 3.9725% | 3,260 |
| Noninterest income to average assets | 0.6224% | 3,695 |
| Noninterest expense to average assets | 2.6881% | 5,317 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3854% | 1,262 |
| Return on assets (ROA) | 1.3872% | 1,206 |
| Pretax return on assets | 1.7191% | 1,104 |
| Return on Equity (ROE) | 8.5327% | 2,821 |
| Retained earnings to average equity (ytd only) | 3.9919% | 2,650 |
| Net charge-offs to loans | 0.0145% | 6,691 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 332.5714% | 142 |
| Efficiency ratio | 61.0246% | 6,156 |
| Assets per employee ($millions) | 3.9086% | 3,712 |
| Cash dividends to net income (ytd only)* | 53.2164% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 1,241 |
| Loan loss allowance to noncurrent loans | 389.5582% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 6,877 |
| Noncurrent loans to loans | 0.5112% | 5,821 |
| Net loans and leases to total assets | 33.0109% | 7,914 |
| Net loans and leases to deposits | 45.2907% | 7,810 |
| Net loans and leases to core deposits | 49.7597% | 7,893 |
| Total domestic deposits to total assets | 72.8867% | 6,849 |
| Equity capital to assets | 15.8976% | 960 |
| Core capital (leverage) ratio | 15.8613% | 851 |
| Tier 1 risk-based capital ratio | 29.7811% | 654 |
| Total risk-based capital ratio | 31.0325% | 631 |
| Memoranda: | ||
| Average total assets | $135,595,200 | 4,171 |
| Average earning assets | $129,113,000 | 4,059 |
| Average equity | $22,044,600 | 2,969 |
| Average total loans | $48,382,600 | 5,760 |