Home > The Harvard State Bank > Performance and Condition Ratios
The Harvard State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 3,385 |
| Cost of funding earning assets | 1.6222% | 1,633 |
| Net interest margin | 2.7118% | 3,805 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.4048% | 2,576 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4122% | 3,843 |
| Return on assets (ROA) | 0.3943% | 3,875 |
| Pretax return on assets | 0.4034% | 3,961 |
| Return on Equity (ROE) | 6.8100% | 3,323 |
| Retained earnings to average equity (ytd only) | 1.6280% | 3,670 |
| Net charge-offs to loans | 0.0303% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 26.5600% | 1,705 |
| Efficiency ratio | 84.7391% | 630 |
| Assets per employee ($millions) | 5.9681% | 2,851 |
| Cash dividends to net income (ytd only)* | 76.0959% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 3,097 |
| Loan loss allowance to noncurrent loans | 376.0915% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 2,492 |
| Noncurrent loans to loans | 0.2774% | 2,186 |
| Net loans and leases to total assets | 55.2800% | 3,255 |
| Net loans and leases to deposits | 61.2205% | 3,457 |
| Net loans and leases to core deposits | 63.8358% | 3,598 |
| Total domestic deposits to total assets | 90.3000% | 678 |
| Equity capital to assets | 6.5276% | 4,101 |
| Core capital (leverage) ratio | 8.6135% | 4,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4850% | 1,399 |
| Memoranda: | ||
| Average total assets | $306,633,400 | 2,401 |
| Average earning assets | $285,238,200 | 2,380 |
| Average equity | $17,751,800 | 3,034 |
| Average total loans | $165,135,200 | 2,557 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2742% | 3,337 |
| Cost of funding earning assets | 1.4986% | 1,610 |
| Net interest margin | 2.7755% | 3,765 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.3852% | 2,558 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4793% | 3,804 |
| Return on assets (ROA) | 0.4553% | 3,856 |
| Pretax return on assets | 0.4641% | 3,969 |
| Return on Equity (ROE) | 8.1300% | 3,152 |
| Retained earnings to average equity (ytd only) | 0.9654% | 3,956 |
| Net charge-offs to loans | 0.0278% | 1,518 |
| Credit loss provision to net charge-offs | 176.4706% | 1,202 |
| Earnings coverage of net charge-offs (x) | 34.7059% | 1,520 |
| Efficiency ratio | 82.2530% | 714 |
| Assets per employee ($millions) | 6.1161% | 2,644 |
| Cash dividends to net income (ytd only)* | 88.1226% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 2,866 |
| Loan loss allowance to noncurrent loans | 441.6862% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 2,509 |
| Noncurrent loans to loans | 0.2492% | 2,345 |
| Net loans and leases to total assets | 55.4100% | 3,257 |
| Net loans and leases to deposits | 61.2088% | 3,446 |
| Net loans and leases to core deposits | 64.6651% | 3,498 |
| Total domestic deposits to total assets | 90.5300% | 795 |
| Equity capital to assets | 4.9662% | 4,257 |
| Core capital (leverage) ratio | 8.6748% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9396% | 1,336 |
| Memoranda: | ||
| Average total assets | $305,706,000 | 2,407 |
| Average earning assets | $284,337,750 | 2,387 |
| Average equity | $17,125,250 | 3,075 |
| Average total loans | $163,076,750 | 2,582 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 3,379 |
| Cost of funding earning assets | 1.3138% | 1,672 |
| Net interest margin | 2.8455% | 3,740 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.3339% | 2,700 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.5888% | 3,606 |
| Return on assets (ROA) | 0.5529% | 3,700 |
| Pretax return on assets | 0.5614% | 3,867 |
| Return on Equity (ROE) | 9.5100% | 2,829 |
| Retained earnings to average equity (ytd only) | 3.3762% | 3,381 |
| Net charge-offs to loans | 0.0424% | 1,085 |
| Credit loss provision to net charge-offs | 176.4706% | 1,100 |
| Earnings coverage of net charge-offs (x) | 28.6471% | 1,575 |
| Efficiency ratio | 78.5510% | 959 |
| Assets per employee ($millions) | 5.8690% | 2,824 |
| Cash dividends to net income (ytd only)* | 64.4970% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 2,728 |
| Loan loss allowance to noncurrent loans | 435.5658% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 2,422 |
| Noncurrent loans to loans | 0.2629% | 2,218 |
| Net loans and leases to total assets | 53.3400% | 3,318 |
| Net loans and leases to deposits | 59.4176% | 3,458 |
| Net loans and leases to core deposits | 64.1093% | 3,442 |
| Total domestic deposits to total assets | 89.7700% | 985 |
| Equity capital to assets | 5.9823% | 4,160 |
| Core capital (leverage) ratio | 8.5025% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2244% | 1,278 |
| Memoranda: | ||
| Average total assets | $305,673,000 | 2,409 |
| Average earning assets | $284,520,000 | 2,398 |
| Average equity | $17,771,333 | 3,040 |
| Average total loans | $160,323,333 | 2,600 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8966% | 3,678 |
| Cost of funding earning assets | 0.9994% | 2,050 |
| Net interest margin | 2.8972% | 3,797 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.1836% | 3,139 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.7489% | 3,348 |
| Return on assets (ROA) | 0.7126% | 3,391 |
| Pretax return on assets | 0.7192% | 3,620 |
| Return on Equity (ROE) | 12.4400% | 2,107 |
| Retained earnings to average equity (ytd only) | 4.7922% | 3,067 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.3099% | 1,408 |
| Assets per employee ($millions) | 5.4553% | 3,264 |
| Cash dividends to net income (ytd only)* | 61.4679% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,566 |
| Loan loss allowance to noncurrent loans | 398.5232% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 2,251 |
| Noncurrent loans to loans | 0.3005% | 2,071 |
| Net loans and leases to total assets | 51.9500% | 3,347 |
| Net loans and leases to deposits | 56.1615% | 3,563 |
| Net loans and leases to core deposits | 61.0421% | 3,497 |
| Total domestic deposits to total assets | 92.4900% | 400 |
| Equity capital to assets | 6.2218% | 4,131 |
| Core capital (leverage) ratio | 8.7705% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2182% | 1,326 |
| Memoranda: | ||
| Average total assets | $305,916,500 | 2,434 |
| Average earning assets | $284,964,000 | 2,428 |
| Average equity | $17,528,500 | 3,085 |
| Average total loans | $158,148,500 | 2,641 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4626% | 3,177 |
| Cost of funding earning assets | 0.4303% | 1,862 |
| Net interest margin | 3.0323% | 3,352 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.2945% | 2,752 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8158% | 3,271 |
| Return on assets (ROA) | 0.7769% | 3,344 |
| Pretax return on assets | 0.7866% | 3,662 |
| Return on Equity (ROE) | 12.2000% | 2,075 |
| Retained earnings to average equity (ytd only) | 6.8805% | 2,289 |
| Net charge-offs to loans | 0.0847% | 817 |
| Credit loss provision to net charge-offs | 93.0233% | 1,613 |
| Earnings coverage of net charge-offs (x) | 21.2713% | 1,862 |
| Efficiency ratio | 72.6503% | 1,369 |
| Assets per employee ($millions) | 5.6689% | 3,065 |
| Cash dividends to net income (ytd only)* | 43.5981% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 2,668 |
| Loan loss allowance to noncurrent loans | 83.9261% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 668 |
| Noncurrent loans to loans | 1.3655% | 501 |
| Net loans and leases to total assets | 50.2700% | 3,486 |
| Net loans and leases to deposits | 53.1887% | 3,729 |
| Net loans and leases to core deposits | 57.3934% | 3,649 |
| Total domestic deposits to total assets | 94.5100% | 194 |
| Equity capital to assets | 5.2564% | 4,301 |
| Core capital (leverage) ratio | 8.3687% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0878% | 1,606 |
| Memoranda: | ||
| Average total assets | $317,678,600 | 2,365 |
| Average earning assets | $294,695,200 | 2,367 |
| Average equity | $20,231,200 | 2,934 |
| Average total loans | $152,308,800 | 2,613 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3401% | 3,071 |
| Cost of funding earning assets | 0.3074% | 2,082 |
| Net interest margin | 3.0327% | 3,133 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 2.1795% | 2,984 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.9425% | 2,694 |
| Return on assets (ROA) | 0.9024% | 2,832 |
| Pretax return on assets | 0.9120% | 3,283 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 6.8201% | 2,439 |
| Net charge-offs to loans | -0.0009% | 3,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.7624% | 1,922 |
| Assets per employee ($millions) | 6.2967% | 2,495 |
| Cash dividends to net income (ytd only)* | 49.8148% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,421 |
| Loan loss allowance to noncurrent loans | 407.8723% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 2,582 |
| Noncurrent loans to loans | 0.2991% | 2,166 |
| Net loans and leases to total assets | 48.3300% | 3,596 |
| Net loans and leases to deposits | 51.0357% | 3,785 |
| Net loans and leases to core deposits | 54.4661% | 3,718 |
| Total domestic deposits to total assets | 94.7000% | 258 |
| Equity capital to assets | 4.4642% | 4,403 |
| Core capital (leverage) ratio | 8.1419% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5025% | 1,571 |
| Memoranda: | ||
| Average total assets | $319,150,500 | 2,374 |
| Average earning assets | $295,795,000 | 2,376 |
| Average equity | $21,191,750 | 2,878 |
| Average total loans | $150,749,000 | 2,635 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1656% | 3,147 |
| Cost of funding earning assets | 0.2362% | 2,436 |
| Net interest margin | 2.9294% | 3,090 |
| Noninterest income to average assets | 0.3718% | 2,916 |
| Noninterest expense to average assets | 2.0848% | 3,193 |
| Loan and lease loss provision to assets | 0.0377% | 1,913 |
| Net operating income to assets | 0.9574% | 2,325 |
| Return on assets (ROA) | 0.9325% | 2,412 |
| Pretax return on assets | 0.9426% | 2,917 |
| Return on Equity (ROE) | 12.6507% | 1,476 |
| Retained earnings to average equity (ytd only) | 7.4711% | 1,826 |
| Net charge-offs to loans | -0.0013% | 3,068 |
| Credit loss provision to net charge-offs | -6,000.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4660% | 2,314 |
| Assets per employee ($millions) | 5.9691% | 2,770 |
| Cash dividends to net income (ytd only)* | 40.9428% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 2,569 |
| Loan loss allowance to noncurrent loans | 655.2083% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 2,997 |
| Noncurrent loans to loans | 0.1868% | 2,771 |
| Net loans and leases to total assets | 47.2446% | 3,614 |
| Net loans and leases to deposits | 50.6514% | 3,777 |
| Net loans and leases to core deposits | 54.3689% | 3,679 |
| Total domestic deposits to total assets | 93.2740% | 443 |
| Equity capital to assets | 5.5415% | 4,350 |
| Core capital (leverage) ratio | 8.1603% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7097% | 1,504 |
| Memoranda: | ||
| Average total assets | $318,490,000 | 2,390 |
| Average earning assets | $295,553,667 | 2,407 |
| Average equity | $23,477,000 | 2,779 |
| Average total loans | $148,626,667 | 2,659 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1041% | 2,974 |
| Cost of funding earning assets | 0.1989% | 2,820 |
| Net interest margin | 2.9052% | 2,822 |
| Noninterest income to average assets | 0.4005% | 2,682 |
| Noninterest expense to average assets | 2.0343% | 3,342 |
| Loan and lease loss provision to assets | 0.0379% | 1,676 |
| Net operating income to assets | 1.0133% | 1,819 |
| Return on assets (ROA) | 1.0108% | 1,827 |
| Pretax return on assets | 1.0209% | 2,377 |
| Return on Equity (ROE) | 12.1745% | 1,261 |
| Retained earnings to average equity (ytd only) | 7.5482% | 1,717 |
| Net charge-offs to loans | -0.0027% | 3,164 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7143% | 2,800 |
| Assets per employee ($millions) | 6.2712% | 2,585 |
| Cash dividends to net income (ytd only)* | 38.0000% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,481 |
| Loan loss allowance to noncurrent loans | 529.0598% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 2,005 |
| Noncurrent loans to loans | 0.2407% | 2,633 |
| Net loans and leases to total assets | 45.9080% | 3,587 |
| Net loans and leases to deposits | 49.5759% | 3,766 |
| Net loans and leases to core deposits | 53.4534% | 3,635 |
| Total domestic deposits to total assets | 92.6014% | 380 |
| Equity capital to assets | 7.1511% | 4,127 |
| Core capital (leverage) ratio | 8.3673% | 4,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2122% | 1,452 |
| Memoranda: | ||
| Average total assets | $316,568,500 | 2,411 |
| Average earning assets | $293,676,000 | 2,425 |
| Average equity | $26,284,500 | 2,702 |
| Average total loans | $145,854,000 | 2,681 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0498% | 3,784 |
| Cost of funding earning assets | 0.2464% | 2,969 |
| Net interest margin | 2.8034% | 3,660 |
| Noninterest income to average assets | 0.5083% | 2,524 |
| Noninterest expense to average assets | 2.2742% | 2,867 |
| Loan and lease loss provision to assets | 0.0838% | 1,463 |
| Net operating income to assets | 0.7368% | 3,527 |
| Return on assets (ROA) | 0.7800% | 3,461 |
| Pretax return on assets | 0.7917% | 3,746 |
| Return on Equity (ROE) | 8.0697% | 3,196 |
| Retained earnings to average equity (ytd only) | 3.9203% | 3,249 |
| Net charge-offs to loans | 0.0221% | 1,815 |
| Credit loss provision to net charge-offs | 854.8387% | 582 |
| Earnings coverage of net charge-offs (x) | 84.8387% | 961 |
| Efficiency ratio | 73.2179% | 1,397 |
| Assets per employee ($millions) | 6.5220% | 2,315 |
| Cash dividends to net income (ytd only)* | 51.4193% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,618 |
| Loan loss allowance to noncurrent loans | 521.7143% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 2,016 |
| Noncurrent loans to loans | 0.2399% | 2,773 |
| Net loans and leases to total assets | 45.0833% | 3,759 |
| Net loans and leases to deposits | 49.9068% | 3,889 |
| Net loans and leases to core deposits | 53.7585% | 3,767 |
| Total domestic deposits to total assets | 90.3350% | 789 |
| Equity capital to assets | 9.4331% | 3,198 |
| Core capital (leverage) ratio | 8.0498% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9667% | 1,523 |
| Memoranda: | ||
| Average total assets | $316,150,200 | 2,358 |
| Average earning assets | $292,969,600 | 2,366 |
| Average equity | $30,558,800 | 2,497 |
| Average total loans | $140,029,400 | 2,725 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0409% | 3,925 |
| Cost of funding earning assets | 0.2547% | 3,074 |
| Net interest margin | 2.7862% | 3,811 |
| Noninterest income to average assets | 0.5371% | 2,467 |
| Noninterest expense to average assets | 2.1685% | 3,175 |
| Loan and lease loss provision to assets | 0.0866% | 1,372 |
| Net operating income to assets | 0.8578% | 3,359 |
| Return on assets (ROA) | 0.9164% | 3,263 |
| Pretax return on assets | 0.9227% | 3,645 |
| Return on Equity (ROE) | 9.4229% | 2,959 |
| Retained earnings to average equity (ytd only) | 3.9092% | 3,606 |
| Net charge-offs to loans | 0.0395% | 1,303 |
| Credit loss provision to net charge-offs | 500.0000% | 756 |
| Earnings coverage of net charge-offs (x) | 54.8049% | 1,188 |
| Efficiency ratio | 69.5322% | 1,649 |
| Assets per employee ($millions) | 7.6793% | 1,459 |
| Cash dividends to net income (ytd only)* | 58.5141% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 2,829 |
| Loan loss allowance to noncurrent loans | 223.4097% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 1,820 |
| Noncurrent loans to loans | 0.5515% | 1,935 |
| Net loans and leases to total assets | 42.6270% | 4,047 |
| Net loans and leases to deposits | 47.6421% | 4,137 |
| Net loans and leases to core deposits | 51.5118% | 4,059 |
| Total domestic deposits to total assets | 89.4734% | 1,023 |
| Equity capital to assets | 9.2780% | 3,585 |
| Core capital (leverage) ratio | 8.0423% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7698% | 1,695 |
| Memoranda: | ||
| Average total assets | $315,293,500 | 2,389 |
| Average earning assets | $292,143,000 | 2,396 |
| Average equity | $30,662,000 | 2,521 |
| Average total loans | $138,561,250 | 2,778 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1094% | 3,849 |
| Cost of funding earning assets | 0.2654% | 3,129 |
| Net interest margin | 2.8440% | 3,690 |
| Noninterest income to average assets | 0.5955% | 2,235 |
| Noninterest expense to average assets | 2.1810% | 3,152 |
| Loan and lease loss provision to assets | 0.0870% | 1,414 |
| Net operating income to assets | 0.9536% | 3,051 |
| Return on assets (ROA) | 1.0525% | 2,787 |
| Pretax return on assets | 1.0583% | 3,311 |
| Return on Equity (ROE) | 10.6487% | 2,545 |
| Retained earnings to average equity (ytd only) | 5.4320% | 3,025 |
| Net charge-offs to loans | 0.1472% | 557 |
| Credit loss provision to net charge-offs | 133.6634% | 1,212 |
| Earnings coverage of net charge-offs (x) | 16.0594% | 1,614 |
| Efficiency ratio | 67.5989% | 1,926 |
| Assets per employee ($millions) | 6.4713% | 2,186 |
| Cash dividends to net income (ytd only)* | 48.9896% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,968 |
| Loan loss allowance to noncurrent loans | 144.2768% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.5421% | 1,537 |
| Noncurrent loans to loans | 0.8278% | 1,483 |
| Net loans and leases to total assets | 42.4245% | 4,153 |
| Net loans and leases to deposits | 47.6699% | 4,241 |
| Net loans and leases to core deposits | 51.2843% | 4,171 |
| Total domestic deposits to total assets | 88.9964% | 1,285 |
| Equity capital to assets | 9.7595% | 3,085 |
| Core capital (leverage) ratio | 8.3379% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5844% | 1,448 |
| Memoranda: | ||
| Average total assets | $310,321,000 | 2,405 |
| Average earning assets | $287,062,667 | 2,415 |
| Average equity | $30,670,333 | 2,501 |
| Average total loans | $137,243,333 | 2,814 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1581% | 3,761 |
| Cost of funding earning assets | 0.2874% | 3,126 |
| Net interest margin | 2.8707% | 3,592 |
| Noninterest income to average assets | 0.6568% | 2,000 |
| Noninterest expense to average assets | 2.1425% | 3,293 |
| Loan and lease loss provision to assets | 0.0560% | 1,993 |
| Net operating income to assets | 1.1103% | 2,438 |
| Return on assets (ROA) | 1.2068% | 2,200 |
| Pretax return on assets | 1.2107% | 2,821 |
| Return on Equity (ROE) | 12.1315% | 1,971 |
| Retained earnings to average equity (ytd only) | 4.5592% | 3,352 |
| Net charge-offs to loans | 0.2961% | 282 |
| Credit loss provision to net charge-offs | 42.1569% | 1,344 |
| Earnings coverage of net charge-offs (x) | 8.8039% | 1,559 |
| Efficiency ratio | 64.6735% | 2,384 |
| Assets per employee ($millions) | 5.8246% | 2,765 |
| Cash dividends to net income (ytd only)* | 62.4190% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 3,221 |
| Loan loss allowance to noncurrent loans | 92.4051% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 1,240 |
| Noncurrent loans to loans | 1.2385% | 1,060 |
| Net loans and leases to total assets | 43.7212% | 4,132 |
| Net loans and leases to deposits | 49.8031% | 4,167 |
| Net loans and leases to core deposits | 53.0805% | 4,141 |
| Total domestic deposits to total assets | 87.7882% | 1,955 |
| Equity capital to assets | 9.7954% | 2,903 |
| Core capital (leverage) ratio | 8.2826% | 4,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5301% | 1,418 |
| Memoranda: | ||
| Average total assets | $306,934,000 | 2,409 |
| Average earning assets | $283,968,500 | 2,422 |
| Average equity | $30,532,000 | 2,505 |
| Average total loans | $137,789,000 | 2,812 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 3,692 |
| Cost of funding earning assets | 0.5240% | 2,787 |
| Net interest margin | 3.1280% | 3,560 |
| Noninterest income to average assets | 0.7664% | 1,638 |
| Noninterest expense to average assets | 2.5069% | 2,827 |
| Loan and lease loss provision to assets | 0.4192% | 714 |
| Net operating income to assets | 0.7103% | 3,399 |
| Return on assets (ROA) | 0.7152% | 3,516 |
| Pretax return on assets | 0.7243% | 3,827 |
| Return on Equity (ROE) | 7.0028% | 3,206 |
| Retained earnings to average equity (ytd only) | 3.9942% | 2,826 |
| Net charge-offs to loans | 0.4697% | 351 |
| Credit loss provision to net charge-offs | 173.4398% | 2,300 |
| Earnings coverage of net charge-offs (x) | 4.7112% | 2,950 |
| Efficiency ratio | 68.7674% | 2,128 |
| Assets per employee ($millions) | 5.6544% | 2,683 |
| Cash dividends to net income (ytd only)* | 42.9622% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,334 |
| Loan loss allowance to noncurrent loans | 71.6599% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.7762% | 1,319 |
| Noncurrent loans to loans | 1.5697% | 843 |
| Net loans and leases to total assets | 45.0272% | 4,191 |
| Net loans and leases to deposits | 52.5812% | 4,192 |
| Net loans and leases to core deposits | 55.9205% | 4,156 |
| Total domestic deposits to total assets | 85.6336% | 2,520 |
| Equity capital to assets | 10.0955% | 3,036 |
| Core capital (leverage) ratio | 8.2787% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9134% | 1,561 |
| Memoranda: | ||
| Average total assets | $285,091,600 | 2,371 |
| Average earning assets | $262,402,800 | 2,387 |
| Average equity | $29,117,000 | 2,528 |
| Average total loans | $146,685,800 | 2,691 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7417% | 3,701 |
| Cost of funding earning assets | 0.5835% | 2,719 |
| Net interest margin | 3.1582% | 3,601 |
| Noninterest income to average assets | 0.7231% | 1,725 |
| Noninterest expense to average assets | 2.4171% | 3,089 |
| Loan and lease loss provision to assets | 0.4282% | 781 |
| Net operating income to assets | 0.7634% | 3,235 |
| Return on assets (ROA) | 0.7700% | 3,324 |
| Pretax return on assets | 0.7853% | 3,683 |
| Return on Equity (ROE) | 7.5148% | 3,006 |
| Retained earnings to average equity (ytd only) | 3.5029% | 3,301 |
| Net charge-offs to loans | 0.3109% | 508 |
| Credit loss provision to net charge-offs | 259.4203% | 1,898 |
| Earnings coverage of net charge-offs (x) | 7.3101% | 2,587 |
| Efficiency ratio | 66.6975% | 2,370 |
| Assets per employee ($millions) | 5.4961% | 2,717 |
| Cash dividends to net income (ytd only)* | 53.3872% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,209 |
| Loan loss allowance to noncurrent loans | 50.1225% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 857 |
| Noncurrent loans to loans | 2.1956% | 529 |
| Net loans and leases to total assets | 49.5381% | 4,116 |
| Net loans and leases to deposits | 55.9710% | 4,262 |
| Net loans and leases to core deposits | 59.7167% | 4,220 |
| Total domestic deposits to total assets | 88.5066% | 973 |
| Equity capital to assets | 10.2487% | 3,010 |
| Core capital (leverage) ratio | 8.2859% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5033% | 1,655 |
| Memoranda: | ||
| Average total assets | $278,617,000 | 2,388 |
| Average earning assets | $255,919,750 | 2,407 |
| Average equity | $28,547,250 | 2,557 |
| Average total loans | $147,951,500 | 2,684 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 3,955 |
| Cost of funding earning assets | 0.6613% | 2,620 |
| Net interest margin | 3.1051% | 3,891 |
| Noninterest income to average assets | 0.6450% | 1,955 |
| Noninterest expense to average assets | 2.3701% | 3,346 |
| Loan and lease loss provision to assets | 0.3926% | 1,040 |
| Net operating income to assets | 0.7066% | 3,375 |
| Return on assets (ROA) | 0.7074% | 3,479 |
| Pretax return on assets | 0.7220% | 3,820 |
| Return on Equity (ROE) | 6.9045% | 3,168 |
| Retained earnings to average equity (ytd only) | 3.8032% | 3,009 |
| Net charge-offs to loans | 0.0433% | 1,880 |
| Credit loss provision to net charge-offs | 1,671.8750% | 560 |
| Earnings coverage of net charge-offs (x) | 47.4375% | 1,144 |
| Efficiency ratio | 68.0286% | 2,229 |
| Assets per employee ($millions) | 5.5485% | 2,592 |
| Cash dividends to net income (ytd only)* | 44.9170% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,159 |
| Loan loss allowance to noncurrent loans | 37.3180% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5425% | 596 |
| Noncurrent loans to loans | 2.9020% | 351 |
| Net loans and leases to total assets | 49.3536% | 4,187 |
| Net loans and leases to deposits | 55.6073% | 4,305 |
| Net loans and leases to core deposits | 59.5286% | 4,286 |
| Total domestic deposits to total assets | 88.7538% | 840 |
| Equity capital to assets | 10.0758% | 3,134 |
| Core capital (leverage) ratio | 8.7290% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9514% | 1,497 |
| Memoranda: | ||
| Average total assets | $272,560,000 | 2,395 |
| Average earning assets | $249,204,333 | 2,428 |
| Average equity | $27,924,000 | 2,590 |
| Average total loans | $147,715,667 | 2,674 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8199% | 4,190 |
| Cost of funding earning assets | 0.7683% | 2,553 |
| Net interest margin | 3.0516% | 4,202 |
| Noninterest income to average assets | 0.4874% | 2,621 |
| Noninterest expense to average assets | 2.3560% | 3,635 |
| Loan and lease loss provision to assets | 0.2445% | 1,272 |
| Net operating income to assets | 0.6616% | 3,401 |
| Return on assets (ROA) | 0.6631% | 3,460 |
| Pretax return on assets | 0.6738% | 3,761 |
| Return on Equity (ROE) | 6.4128% | 3,163 |
| Retained earnings to average equity (ytd only) | 1.9209% | 3,474 |
| Net charge-offs to loans | 0.0864% | 1,185 |
| Credit loss provision to net charge-offs | 500.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,458 |
| Efficiency ratio | 71.9888% | 2,076 |
| Assets per employee ($millions) | 4.7970% | 2,878 |
| Cash dividends to net income (ytd only)* | 70.0461% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 4,403 |
| Loan loss allowance to noncurrent loans | 29.4160% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.6696% | 597 |
| Noncurrent loans to loans | 2.7327% | 424 |
| Net loans and leases to total assets | 56.7809% | 3,770 |
| Net loans and leases to deposits | 66.7039% | 3,818 |
| Net loans and leases to core deposits | 72.3208% | 3,740 |
| Total domestic deposits to total assets | 85.1238% | 2,366 |
| Equity capital to assets | 10.5516% | 3,274 |
| Core capital (leverage) ratio | 9.4268% | 4,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8489% | 1,643 |
| Memoranda: | ||
| Average total assets | $261,804,000 | 2,420 |
| Average earning assets | $238,958,000 | 2,452 |
| Average equity | $27,071,000 | 2,638 |
| Average total loans | $148,211,500 | 2,657 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 4,169 |
| Cost of funding earning assets | 0.8247% | 2,565 |
| Net interest margin | 3.2135% | 4,157 |
| Noninterest income to average assets | 0.4905% | 2,794 |
| Noninterest expense to average assets | 2.6792% | 2,944 |
| Loan and lease loss provision to assets | 0.1408% | 1,512 |
| Net operating income to assets | 0.5688% | 4,250 |
| Return on assets (ROA) | 0.6724% | 4,019 |
| Pretax return on assets | 0.7042% | 4,204 |
| Return on Equity (ROE) | 6.4520% | 3,759 |
| Retained earnings to average equity (ytd only) | 2.2027% | 3,899 |
| Net charge-offs to loans | 0.3373% | 613 |
| Credit loss provision to net charge-offs | 71.7842% | 2,891 |
| Earnings coverage of net charge-offs (x) | 3.7510% | 3,288 |
| Efficiency ratio | 77.8427% | 1,170 |
| Assets per employee ($millions) | 4.6388% | 3,032 |
| Cash dividends to net income (ytd only)* | 65.8596% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 4,465 |
| Loan loss allowance to noncurrent loans | 25.1505% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.7223% | 534 |
| Noncurrent loans to loans | 2.9697% | 320 |
| Net loans and leases to total assets | 55.5543% | 3,952 |
| Net loans and leases to deposits | 62.7027% | 4,156 |
| Net loans and leases to core deposits | 67.5188% | 4,106 |
| Total domestic deposits to total assets | 88.5996% | 839 |
| Equity capital to assets | 10.1255% | 3,808 |
| Core capital (leverage) ratio | 9.2644% | 4,311 |
| Tier 1 risk-based capital ratio | 15.5700% | 2,556 |
| Total risk-based capital ratio | 16.3187% | 2,687 |
| Memoranda: | ||
| Average total assets | $245,670,800 | 2,490 |
| Average earning assets | $223,586,600 | 2,506 |
| Average equity | $25,604,400 | 2,671 |
| Average total loans | $142,897,800 | 2,691 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 4,296 |
| Cost of funding earning assets | 0.8252% | 2,593 |
| Net interest margin | 3.2069% | 4,283 |
| Noninterest income to average assets | 0.4349% | 3,108 |
| Noninterest expense to average assets | 2.7139% | 2,825 |
| Loan and lease loss provision to assets | 0.1101% | 1,768 |
| Net operating income to assets | 0.5209% | 4,466 |
| Return on assets (ROA) | 0.6397% | 4,233 |
| Pretax return on assets | 0.6490% | 4,448 |
| Return on Equity (ROE) | 6.0783% | 4,015 |
| Retained earnings to average equity (ytd only) | 1.3653% | 4,468 |
| Net charge-offs to loans | 0.3542% | 479 |
| Credit loss provision to net charge-offs | 52.9101% | 2,766 |
| Earnings coverage of net charge-offs (x) | 3.0714% | 3,139 |
| Efficiency ratio | 80.1018% | 914 |
| Assets per employee ($millions) | 4.7124% | 2,904 |
| Cash dividends to net income (ytd only)* | 77.5387% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7077% | 4,634 |
| Loan loss allowance to noncurrent loans | 24.3533% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.9063% | 486 |
| Noncurrent loans to loans | 2.9059% | 351 |
| Net loans and leases to total assets | 57.6178% | 3,913 |
| Net loans and leases to deposits | 65.3474% | 4,105 |
| Net loans and leases to core deposits | 70.0305% | 4,055 |
| Total domestic deposits to total assets | 88.1715% | 962 |
| Equity capital to assets | 10.3773% | 3,659 |
| Core capital (leverage) ratio | 9.3127% | 4,356 |
| Tier 1 risk-based capital ratio | 15.2059% | 2,756 |
| Total risk-based capital ratio | 15.9277% | 2,922 |
| Memoranda: | ||
| Average total assets | $242,204,750 | 2,531 |
| Average earning assets | $220,394,000 | 2,556 |
| Average equity | $25,488,750 | 2,686 |
| Average total loans | $142,272,250 | 2,723 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0531% | 4,273 |
| Cost of funding earning assets | 0.7941% | 2,676 |
| Net interest margin | 3.2589% | 4,223 |
| Noninterest income to average assets | 0.4208% | 3,131 |
| Noninterest expense to average assets | 2.7776% | 2,670 |
| Loan and lease loss provision to assets | 0.1176% | 1,592 |
| Net operating income to assets | 0.4763% | 4,579 |
| Return on assets (ROA) | 0.6451% | 4,230 |
| Pretax return on assets | 0.6535% | 4,442 |
| Return on Equity (ROE) | 6.0994% | 4,019 |
| Retained earnings to average equity (ytd only) | 1.9140% | 4,141 |
| Net charge-offs to loans | 0.3759% | 441 |
| Credit loss provision to net charge-offs | 53.0303% | 2,449 |
| Earnings coverage of net charge-offs (x) | 2.7083% | 2,914 |
| Efficiency ratio | 80.9547% | 888 |
| Assets per employee ($millions) | 4.4643% | 3,195 |
| Cash dividends to net income (ytd only)* | 68.6198% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 4,533 |
| Loan loss allowance to noncurrent loans | 60.7854% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 1,930 |
| Noncurrent loans to loans | 1.2720% | 1,243 |
| Net loans and leases to total assets | 55.4269% | 4,112 |
| Net loans and leases to deposits | 62.9950% | 4,274 |
| Net loans and leases to core deposits | 67.6126% | 4,228 |
| Total domestic deposits to total assets | 87.9862% | 1,107 |
| Equity capital to assets | 10.2364% | 3,762 |
| Core capital (leverage) ratio | 9.8424% | 3,772 |
| Tier 1 risk-based capital ratio | 15.4937% | 2,630 |
| Total risk-based capital ratio | 16.2649% | 2,756 |
| Memoranda: | ||
| Average total assets | $238,116,330 | 2,564 |
| Average earning assets | $216,083,330 | 2,594 |
| Average equity | $25,182,670 | 2,703 |
| Average total loans | $140,474,670 | 2,758 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 3,990 |
| Cost of funding earning assets | 0.7316% | 2,881 |
| Net interest margin | 3.4230% | 3,829 |
| Noninterest income to average assets | 0.3914% | 3,245 |
| Noninterest expense to average assets | 2.7311% | 2,804 |
| Loan and lease loss provision to assets | 0.0522% | 2,619 |
| Net operating income to assets | 0.6976% | 3,942 |
| Return on assets (ROA) | 0.6958% | 3,990 |
| Pretax return on assets | 0.6993% | 4,304 |
| Return on Equity (ROE) | 6.4646% | 3,853 |
| Retained earnings to average equity (ytd only) | 0.5980% | 4,411 |
| Net charge-offs to loans | -0.0401% | 4,763 |
| Credit loss provision to net charge-offs | -214.2857% | 3,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0844% | 1,370 |
| Assets per employee ($millions) | 3.7834% | 4,218 |
| Cash dividends to net income (ytd only)* | 90.7500% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 4,148 |
| Loan loss allowance to noncurrent loans | 63.3183% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8670% | 1,635 |
| Noncurrent loans to loans | 1.4235% | 1,138 |
| Net loans and leases to total assets | 60.3599% | 3,669 |
| Net loans and leases to deposits | 69.9124% | 3,769 |
| Net loans and leases to core deposits | 75.3011% | 3,709 |
| Total domestic deposits to total assets | 86.3364% | 2,127 |
| Equity capital to assets | 10.9511% | 2,905 |
| Core capital (leverage) ratio | 10.1987% | 3,383 |
| Tier 1 risk-based capital ratio | 15.7489% | 2,550 |
| Total risk-based capital ratio | 16.6540% | 2,613 |
| Memoranda: | ||
| Average total assets | $229,942,000 | 2,642 |
| Average earning assets | $207,769,000 | 2,690 |
| Average equity | $24,750,000 | 2,739 |
| Average total loans | $139,641,500 | 2,801 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 3,766 |
| Cost of funding earning assets | 0.5115% | 3,279 |
| Net interest margin | 3.5799% | 3,452 |
| Noninterest income to average assets | 0.4550% | 3,079 |
| Noninterest expense to average assets | 2.9791% | 2,099 |
| Loan and lease loss provision to assets | 0.0310% | 3,564 |
| Net operating income to assets | 0.6729% | 4,226 |
| Return on assets (ROA) | 0.6772% | 4,217 |
| Pretax return on assets | 0.6839% | 4,449 |
| Return on Equity (ROE) | 6.4613% | 4,018 |
| Retained earnings to average equity (ytd only) | 2.9958% | 3,904 |
| Net charge-offs to loans | 0.1313% | 1,434 |
| Credit loss provision to net charge-offs | 39.3258% | 3,292 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,845 |
| Efficiency ratio | 79.5168% | 1,000 |
| Assets per employee ($millions) | 3.8830% | 4,053 |
| Cash dividends to net income (ytd only)* | 53.6346% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 4,242 |
| Loan loss allowance to noncurrent loans | 109.1964% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 2,617 |
| Noncurrent loans to loans | 0.8074% | 1,988 |
| Net loans and leases to total assets | 60.0140% | 3,776 |
| Net loans and leases to deposits | 68.9527% | 3,908 |
| Net loans and leases to core deposits | 73.7369% | 3,872 |
| Total domestic deposits to total assets | 87.0364% | 1,768 |
| Equity capital to assets | 10.5747% | 3,101 |
| Core capital (leverage) ratio | 10.1063% | 3,455 |
| Tier 1 risk-based capital ratio | 15.8750% | 2,461 |
| Total risk-based capital ratio | 16.7596% | 2,539 |
| Memoranda: | ||
| Average total assets | $225,471,200 | 2,647 |
| Average earning assets | $203,719,200 | 2,692 |
| Average equity | $23,633,000 | 2,764 |
| Average total loans | $135,525,800 | 2,819 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,886 |
| Cost of funding earning assets | 0.4666% | 3,412 |
| Net interest margin | 3.5461% | 3,530 |
| Noninterest income to average assets | 0.4578% | 3,118 |
| Noninterest expense to average assets | 2.9704% | 2,111 |
| Loan and lease loss provision to assets | 0.0237% | 3,550 |
| Net operating income to assets | 0.6656% | 4,333 |
| Return on assets (ROA) | 0.6715% | 4,327 |
| Pretax return on assets | 0.6780% | 4,584 |
| Return on Equity (ROE) | 6.4210% | 4,137 |
| Retained earnings to average equity (ytd only) | 1.7713% | 4,650 |
| Net charge-offs to loans | 0.0515% | 2,096 |
| Credit loss provision to net charge-offs | 76.9231% | 2,562 |
| Earnings coverage of net charge-offs (x) | 22.5390% | 1,871 |
| Efficiency ratio | 79.7733% | 961 |
| Assets per employee ($millions) | 3.7874% | 4,190 |
| Cash dividends to net income (ytd only)* | 72.4137% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,060 |
| Loan loss allowance to noncurrent loans | 109.4606% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 2,566 |
| Noncurrent loans to loans | 0.8648% | 1,973 |
| Net loans and leases to total assets | 59.7384% | 3,870 |
| Net loans and leases to deposits | 67.5498% | 4,088 |
| Net loans and leases to core deposits | 72.0270% | 4,084 |
| Total domestic deposits to total assets | 88.4361% | 1,073 |
| Equity capital to assets | 9.9706% | 3,677 |
| Core capital (leverage) ratio | 10.0245% | 3,608 |
| Tier 1 risk-based capital ratio | 15.3774% | 2,708 |
| Total risk-based capital ratio | 16.3065% | 2,781 |
| Memoranda: | ||
| Average total assets | $224,565,250 | 2,667 |
| Average earning assets | $203,186,250 | 2,715 |
| Average equity | $23,484,750 | 2,787 |
| Average total loans | $134,729,250 | 2,846 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,825 |
| Cost of funding earning assets | 0.4323% | 3,483 |
| Net interest margin | 3.5542% | 3,454 |
| Noninterest income to average assets | 0.4658% | 3,057 |
| Noninterest expense to average assets | 3.0053% | 2,026 |
| Loan and lease loss provision to assets | 0.0090% | 3,664 |
| Net operating income to assets | 0.6619% | 4,314 |
| Return on assets (ROA) | 0.6699% | 4,288 |
| Pretax return on assets | 0.6753% | 4,567 |
| Return on Equity (ROE) | 6.3043% | 4,136 |
| Retained earnings to average equity (ytd only) | 2.3440% | 4,340 |
| Net charge-offs to loans | 0.0811% | 1,516 |
| Credit loss provision to net charge-offs | 18.5185% | 2,694 |
| Earnings coverage of net charge-offs (x) | 13.9259% | 2,128 |
| Efficiency ratio | 80.3859% | 972 |
| Assets per employee ($millions) | 3.8328% | 4,162 |
| Cash dividends to net income (ytd only)* | 62.8188% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 4,240 |
| Loan loss allowance to noncurrent loans | 160.6742% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,239 |
| Noncurrent loans to loans | 0.5735% | 2,700 |
| Net loans and leases to total assets | 61.1947% | 3,683 |
| Net loans and leases to deposits | 69.6644% | 3,889 |
| Net loans and leases to core deposits | 73.5495% | 3,906 |
| Total domestic deposits to total assets | 87.8422% | 1,453 |
| Equity capital to assets | 10.3753% | 3,246 |
| Core capital (leverage) ratio | 10.1436% | 3,430 |
| Tier 1 risk-based capital ratio | 15.5882% | 2,591 |
| Total risk-based capital ratio | 16.5146% | 2,682 |
| Memoranda: | ||
| Average total assets | $222,410,670 | 2,706 |
| Average earning assets | $201,227,330 | 2,744 |
| Average equity | $23,634,670 | 2,783 |
| Average total loans | $133,195,000 | 2,874 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9425% | 3,809 |
| Cost of funding earning assets | 0.3993% | 3,593 |
| Net interest margin | 3.5432% | 3,373 |
| Noninterest income to average assets | 0.4552% | 3,078 |
| Noninterest expense to average assets | 3.0415% | 1,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6132% | 4,384 |
| Return on assets (ROA) | 0.6275% | 4,358 |
| Pretax return on assets | 0.6312% | 4,612 |
| Return on Equity (ROE) | 5.8345% | 4,212 |
| Retained earnings to average equity (ytd only) | 1.0961% | 4,603 |
| Net charge-offs to loans | -0.0123% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8542% | 958 |
| Assets per employee ($millions) | 3.7748% | 4,319 |
| Cash dividends to net income (ytd only)* | 81.2139% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,886 |
| Loan loss allowance to noncurrent loans | 135.0202% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 2,993 |
| Noncurrent loans to loans | 0.7486% | 2,340 |
| Net loans and leases to total assets | 59.6736% | 3,782 |
| Net loans and leases to deposits | 68.3641% | 3,922 |
| Net loans and leases to core deposits | 72.6798% | 3,906 |
| Total domestic deposits to total assets | 87.2879% | 2,013 |
| Equity capital to assets | 10.6727% | 2,891 |
| Core capital (leverage) ratio | 10.2462% | 3,248 |
| Tier 1 risk-based capital ratio | 16.2262% | 2,381 |
| Total risk-based capital ratio | 17.2276% | 2,424 |
| Memoranda: | ||
| Average total assets | $220,549,000 | 2,751 |
| Average earning assets | $199,368,000 | 2,793 |
| Average equity | $23,721,000 | 2,798 |
| Average total loans | $129,958,000 | 2,935 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7749% | 4,132 |
| Cost of funding earning assets | 0.3428% | 3,773 |
| Net interest margin | 3.4321% | 3,743 |
| Noninterest income to average assets | 0.5852% | 2,520 |
| Noninterest expense to average assets | 2.9859% | 2,201 |
| Loan and lease loss provision to assets | 0.0629% | 2,974 |
| Net operating income to assets | 0.6313% | 3,885 |
| Return on assets (ROA) | 0.6975% | 3,665 |
| Pretax return on assets | 0.7060% | 4,492 |
| Return on Equity (ROE) | 6.5074% | 3,528 |
| Retained earnings to average equity (ytd only) | 2.4471% | 3,867 |
| Net charge-offs to loans | 0.1073% | 1,999 |
| Credit loss provision to net charge-offs | 103.7037% | 2,467 |
| Earnings coverage of net charge-offs (x) | 11.5778% | 2,558 |
| Efficiency ratio | 79.7223% | 1,134 |
| Assets per employee ($millions) | 3.7026% | 4,430 |
| Cash dividends to net income (ytd only)* | 62.3954% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 3,684 |
| Loan loss allowance to noncurrent loans | 179.1386% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 3,529 |
| Noncurrent loans to loans | 0.5808% | 2,762 |
| Net loans and leases to total assets | 56.9872% | 4,115 |
| Net loans and leases to deposits | 64.1882% | 4,307 |
| Net loans and leases to core deposits | 69.2183% | 4,225 |
| Total domestic deposits to total assets | 88.7814% | 1,102 |
| Equity capital to assets | 10.8369% | 2,795 |
| Core capital (leverage) ratio | 10.0614% | 3,376 |
| Tier 1 risk-based capital ratio | 16.4735% | 2,277 |
| Total risk-based capital ratio | 17.4907% | 2,286 |
| Memoranda: | ||
| Average total assets | $222,648,800 | 2,705 |
| Average earning assets | $201,277,600 | 2,755 |
| Average equity | $23,865,200 | 2,777 |
| Average total loans | $125,825,800 | 2,981 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 4,148 |
| Cost of funding earning assets | 0.3315% | 3,836 |
| Net interest margin | 3.4268% | 3,751 |
| Noninterest income to average assets | 0.5782% | 2,589 |
| Noninterest expense to average assets | 2.8411% | 2,594 |
| Loan and lease loss provision to assets | 0.0898% | 2,279 |
| Net operating income to assets | 0.7469% | 3,751 |
| Return on assets (ROA) | 0.8403% | 3,371 |
| Pretax return on assets | 0.8403% | 4,237 |
| Return on Equity (ROE) | 7.8611% | 3,200 |
| Retained earnings to average equity (ytd only) | 2.9619% | 4,149 |
| Net charge-offs to loans | -0.0074% | 4,555 |
| Credit loss provision to net charge-offs | -2,142.8571% | 5,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9967% | 1,591 |
| Assets per employee ($millions) | 4.0937% | 3,834 |
| Cash dividends to net income (ytd only)* | 62.3222% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 3,065 |
| Loan loss allowance to noncurrent loans | 264.8214% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 4,065 |
| Noncurrent loans to loans | 0.4433% | 3,375 |
| Net loans and leases to total assets | 55.4518% | 4,278 |
| Net loans and leases to deposits | 62.5406% | 4,474 |
| Net loans and leases to core deposits | 65.6461% | 4,506 |
| Total domestic deposits to total assets | 88.6652% | 1,030 |
| Equity capital to assets | 10.8223% | 3,043 |
| Core capital (leverage) ratio | 10.1051% | 3,437 |
| Tier 1 risk-based capital ratio | 17.0429% | 2,143 |
| Total risk-based capital ratio | 18.2152% | 2,121 |
| Memoranda: | ||
| Average total assets | $222,771,750 | 2,727 |
| Average earning assets | $201,505,000 | 2,781 |
| Average equity | $23,812,750 | 2,799 |
| Average total loans | $125,299,250 | 3,010 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 4,068 |
| Cost of funding earning assets | 0.3286% | 3,809 |
| Net interest margin | 3.4232% | 3,685 |
| Noninterest income to average assets | 0.5739% | 2,585 |
| Noninterest expense to average assets | 2.7697% | 2,863 |
| Loan and lease loss provision to assets | 0.1081% | 1,887 |
| Net operating income to assets | 0.7938% | 3,426 |
| Return on assets (ROA) | 0.8965% | 2,987 |
| Pretax return on assets | 0.8965% | 3,949 |
| Return on Equity (ROE) | 8.4222% | 2,817 |
| Retained earnings to average equity (ytd only) | 3.9614% | 3,345 |
| Net charge-offs to loans | -0.1136% | 5,446 |
| Credit loss provision to net charge-offs | -169.0141% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1840% | 1,975 |
| Assets per employee ($millions) | 4.0119% | 3,936 |
| Cash dividends to net income (ytd only)* | 52.9648% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 3,090 |
| Loan loss allowance to noncurrent loans | 104.7652% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 2,660 |
| Noncurrent loans to loans | 1.1349% | 1,724 |
| Net loans and leases to total assets | 55.1315% | 4,300 |
| Net loans and leases to deposits | 62.0057% | 4,505 |
| Net loans and leases to core deposits | 66.4826% | 4,439 |
| Total domestic deposits to total assets | 88.9136% | 1,000 |
| Equity capital to assets | 10.6535% | 3,168 |
| Core capital (leverage) ratio | 10.0097% | 3,527 |
| Tier 1 risk-based capital ratio | 16.7463% | 2,220 |
| Total risk-based capital ratio | 17.9197% | 2,210 |
| Memoranda: | ||
| Average total assets | $221,977,000 | 2,749 |
| Average earning assets | $200,864,000 | 2,800 |
| Average equity | $23,628,000 | 2,817 |
| Average total loans | $124,953,670 | 3,024 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 4,008 |
| Cost of funding earning assets | 0.3214% | 3,838 |
| Net interest margin | 3.4082% | 3,628 |
| Noninterest income to average assets | 0.6111% | 2,367 |
| Noninterest expense to average assets | 2.6785% | 3,225 |
| Loan and lease loss provision to assets | 0.1098% | 1,745 |
| Net operating income to assets | 0.9075% | 2,725 |
| Return on assets (ROA) | 0.9569% | 2,556 |
| Pretax return on assets | 0.9569% | 3,556 |
| Return on Equity (ROE) | 8.9936% | 2,428 |
| Retained earnings to average equity (ytd only) | 2.9577% | 3,933 |
| Net charge-offs to loans | -0.1521% | 5,570 |
| Credit loss provision to net charge-offs | -127.6596% | 3,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1881% | 2,703 |
| Assets per employee ($millions) | 3.7773% | 4,374 |
| Cash dividends to net income (ytd only)* | 67.1128% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,269 |
| Loan loss allowance to noncurrent loans | 162.2877% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 3,584 |
| Noncurrent loans to loans | 0.7260% | 2,684 |
| Net loans and leases to total assets | 54.8614% | 4,265 |
| Net loans and leases to deposits | 62.5890% | 4,398 |
| Net loans and leases to core deposits | 67.7717% | 4,307 |
| Total domestic deposits to total assets | 87.6534% | 1,913 |
| Equity capital to assets | 10.7636% | 2,896 |
| Core capital (leverage) ratio | 10.0793% | 3,400 |
| Tier 1 risk-based capital ratio | 17.5120% | 2,030 |
| Total risk-based capital ratio | 18.7024% | 2,002 |
| Memoranda: | ||
| Average total assets | $218,627,000 | 2,802 |
| Average earning assets | $197,876,000 | 2,851 |
| Average equity | $23,261,000 | 2,861 |
| Average total loans | $123,635,500 | 3,061 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 3,076 |
| Cost of funding earning assets | 0.3123% | 3,923 |
| Net interest margin | 3.7235% | 2,598 |
| Noninterest income to average assets | 0.6190% | 2,559 |
| Noninterest expense to average assets | 3.0396% | 2,217 |
| Loan and lease loss provision to assets | 0.1560% | 1,595 |
| Net operating income to assets | 0.8086% | 3,266 |
| Return on assets (ROA) | 0.8988% | 2,948 |
| Pretax return on assets | 0.9107% | 3,808 |
| Return on Equity (ROE) | 8.0862% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.4923% | 2,712 |
| Net charge-offs to loans | 0.2421% | 1,152 |
| Credit loss provision to net charge-offs | 114.9153% | 2,289 |
| Earnings coverage of net charge-offs (x) | 7.1864% | 3,058 |
| Efficiency ratio | 74.5330% | 2,219 |
| Assets per employee ($millions) | 3.5189% | 4,733 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,978 |
| Loan loss allowance to noncurrent loans | 168.2741% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 3,839 |
| Noncurrent loans to loans | 0.6272% | 2,971 |
| Net loans and leases to total assets | 56.9828% | 4,167 |
| Net loans and leases to deposits | 65.0119% | 4,333 |
| Net loans and leases to core deposits | 69.4779% | 4,289 |
| Total domestic deposits to total assets | 87.6497% | 1,813 |
| Equity capital to assets | 10.5150% | 3,139 |
| Core capital (leverage) ratio | 9.9665% | 3,526 |
| Tier 1 risk-based capital ratio | 17.2258% | 2,084 |
| Total risk-based capital ratio | 18.3243% | 2,084 |
| Memoranda: | ||
| Average total assets | $217,297,200 | 2,786 |
| Average earning assets | $198,200,800 | 2,811 |
| Average equity | $24,152,200 | 2,787 |
| Average total loans | $121,847,200 | 3,036 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0428% | 3,067 |
| Cost of funding earning assets | 0.3078% | 4,010 |
| Net interest margin | 3.7350% | 2,576 |
| Noninterest income to average assets | 0.5890% | 2,717 |
| Noninterest expense to average assets | 2.9132% | 2,601 |
| Loan and lease loss provision to assets | 0.1714% | 1,326 |
| Net operating income to assets | 0.9176% | 2,819 |
| Return on assets (ROA) | 1.0276% | 2,429 |
| Pretax return on assets | 1.0276% | 3,521 |
| Return on Equity (ROE) | 9.1213% | 2,435 |
| Retained earnings to average equity (ytd only) | 5.3048% | 2,624 |
| Net charge-offs to loans | 0.2779% | 830 |
| Credit loss provision to net charge-offs | 110.7143% | 2,218 |
| Earnings coverage of net charge-offs (x) | 7.0357% | 2,927 |
| Efficiency ratio | 71.6083% | 2,628 |
| Assets per employee ($millions) | 3.4132% | 4,892 |
| Cash dividends to net income (ytd only)* | 41.8410% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 3,973 |
| Loan loss allowance to noncurrent loans | 151.3295% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 3,842 |
| Noncurrent loans to loans | 0.7113% | 2,904 |
| Net loans and leases to total assets | 55.0740% | 4,397 |
| Net loans and leases to deposits | 62.5244% | 4,593 |
| Net loans and leases to core deposits | 67.6612% | 4,493 |
| Total domestic deposits to total assets | 88.0840% | 1,360 |
| Equity capital to assets | 11.3708% | 2,631 |
| Core capital (leverage) ratio | 10.0045% | 3,561 |
| Tier 1 risk-based capital ratio | 17.9132% | 1,948 |
| Total risk-based capital ratio | 19.0298% | 1,943 |
| Memoranda: | ||
| Average total assets | $217,078,250 | 2,794 |
| Average earning assets | $198,373,000 | 2,820 |
| Average equity | $24,455,000 | 2,782 |
| Average total loans | $120,897,250 | 3,057 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0763% | 2,966 |
| Cost of funding earning assets | 0.3028% | 4,096 |
| Net interest margin | 3.7735% | 2,429 |
| Noninterest income to average assets | 0.5715% | 2,786 |
| Noninterest expense to average assets | 2.8880% | 2,721 |
| Loan and lease loss provision to assets | 0.2022% | 1,061 |
| Net operating income to assets | 0.9325% | 2,714 |
| Return on assets (ROA) | 1.0691% | 2,208 |
| Pretax return on assets | 1.0691% | 3,329 |
| Return on Equity (ROE) | 9.5203% | 2,262 |
| Retained earnings to average equity (ytd only) | 7.9254% | 1,196 |
| Net charge-offs to loans | 0.0895% | 1,948 |
| Credit loss provision to net charge-offs | 405.5556% | 769 |
| Earnings coverage of net charge-offs (x) | 22.7593% | 1,613 |
| Efficiency ratio | 70.6220% | 2,889 |
| Assets per employee ($millions) | 3.6159% | 4,575 |
| Cash dividends to net income (ytd only)* | 16.7530% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,448 |
| Loan loss allowance to noncurrent loans | 366.3291% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 4,794 |
| Noncurrent loans to loans | 0.3229% | 4,212 |
| Net loans and leases to total assets | 53.9251% | 4,519 |
| Net loans and leases to deposits | 61.8749% | 4,666 |
| Net loans and leases to core deposits | 67.2790% | 4,527 |
| Total domestic deposits to total assets | 87.1518% | 1,836 |
| Equity capital to assets | 11.2237% | 2,821 |
| Core capital (leverage) ratio | 10.1922% | 3,341 |
| Tier 1 risk-based capital ratio | 17.6270% | 2,041 |
| Total risk-based capital ratio | 18.8505% | 2,011 |
| Memoranda: | ||
| Average total assets | $216,622,330 | 2,807 |
| Average earning assets | $198,119,330 | 2,844 |
| Average equity | $24,327,000 | 2,804 |
| Average total loans | $120,657,670 | 3,069 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3068% | 2,109 |
| Cost of funding earning assets | 0.3047% | 4,109 |
| Net interest margin | 4.0021% | 1,608 |
| Noninterest income to average assets | 0.5582% | 2,756 |
| Noninterest expense to average assets | 2.8980% | 2,712 |
| Loan and lease loss provision to assets | 0.2255% | 830 |
| Net operating income to assets | 1.0881% | 1,950 |
| Return on assets (ROA) | 1.2798% | 1,402 |
| Pretax return on assets | 1.2798% | 2,387 |
| Return on Equity (ROE) | 11.3930% | 1,480 |
| Retained earnings to average equity (ytd only) | 9.8706% | 876 |
| Net charge-offs to loans | 0.8947% | 223 |
| Credit loss provision to net charge-offs | 44.7761% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2.6082% | 2,658 |
| Efficiency ratio | 67.6484% | 3,520 |
| Assets per employee ($millions) | 3.6506% | 4,560 |
| Cash dividends to net income (ytd only)* | 13.3627% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,914 |
| Loan loss allowance to noncurrent loans | 84.3750% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.8374% | 2,591 |
| Noncurrent loans to loans | 1.1115% | 2,178 |
| Net loans and leases to total assets | 56.5697% | 4,190 |
| Net loans and leases to deposits | 64.6033% | 4,381 |
| Net loans and leases to core deposits | 70.1340% | 4,235 |
| Total domestic deposits to total assets | 87.5648% | 1,881 |
| Equity capital to assets | 11.4241% | 2,512 |
| Core capital (leverage) ratio | 10.0552% | 3,469 |
| Tier 1 risk-based capital ratio | 17.5944% | 2,097 |
| Total risk-based capital ratio | 18.5780% | 2,145 |
| Memoranda: | ||
| Average total assets | $212,840,000 | 2,859 |
| Average earning assets | $194,298,500 | 2,883 |
| Average equity | $23,909,500 | 2,845 |
| Average total loans | $119,816,500 | 3,092 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 3,221 |
| Cost of funding earning assets | 0.3316% | 3,888 |
| Net interest margin | 3.6915% | 2,781 |
| Noninterest income to average assets | 0.4697% | 3,533 |
| Noninterest expense to average assets | 3.1411% | 2,114 |
| Loan and lease loss provision to assets | 0.2192% | 938 |
| Net operating income to assets | 0.4577% | 4,852 |
| Return on assets (ROA) | 0.5120% | 4,730 |
| Pretax return on assets | 0.5172% | 5,074 |
| Return on Equity (ROE) | 4.6713% | 4,670 |
| Retained earnings to average equity (ytd only) | 1.4226% | 4,915 |
| Net charge-offs to loans | 0.2244% | 1,319 |
| Credit loss provision to net charge-offs | 181.1538% | 1,508 |
| Earnings coverage of net charge-offs (x) | 5.6308% | 3,353 |
| Efficiency ratio | 80.9303% | 1,545 |
| Assets per employee ($millions) | 3.5073% | 4,826 |
| Cash dividends to net income (ytd only)* | 69.5455% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 4,155 |
| Loan loss allowance to noncurrent loans | 120.9434% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 2,869 |
| Noncurrent loans to loans | 0.8929% | 2,561 |
| Net loans and leases to total assets | 54.8922% | 4,403 |
| Net loans and leases to deposits | 62.0669% | 4,632 |
| Net loans and leases to core deposits | 67.9135% | 4,454 |
| Total domestic deposits to total assets | 88.4404% | 1,411 |
| Equity capital to assets | 11.0450% | 2,777 |
| Core capital (leverage) ratio | 9.7706% | 3,812 |
| Tier 1 risk-based capital ratio | 17.2898% | 2,186 |
| Total risk-based capital ratio | 18.3911% | 2,190 |
| Memoranda: | ||
| Average total assets | $214,829,600 | 2,793 |
| Average earning assets | $195,121,400 | 2,823 |
| Average equity | $23,547,800 | 2,828 |
| Average total loans | $115,849,600 | 3,112 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 3,155 |
| Cost of funding earning assets | 0.3377% | 3,890 |
| Net interest margin | 3.7056% | 2,745 |
| Noninterest income to average assets | 0.5065% | 3,321 |
| Noninterest expense to average assets | 3.1148% | 2,184 |
| Loan and lease loss provision to assets | 0.2362% | 758 |
| Net operating income to assets | 0.5165% | 4,731 |
| Return on assets (ROA) | 0.5679% | 4,622 |
| Pretax return on assets | 0.5679% | 5,052 |
| Return on Equity (ROE) | 5.1910% | 4,537 |
| Retained earnings to average equity (ytd only) | 1.5301% | 5,102 |
| Net charge-offs to loans | 0.2189% | 1,193 |
| Credit loss provision to net charge-offs | 201.5873% | 1,325 |
| Earnings coverage of net charge-offs (x) | 6.4234% | 3,053 |
| Efficiency ratio | 79.3043% | 1,757 |
| Assets per employee ($millions) | 3.1852% | 5,324 |
| Cash dividends to net income (ytd only)* | 70.5240% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 4,203 |
| Loan loss allowance to noncurrent loans | 66.1950% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 1,522 |
| Noncurrent loans to loans | 1.6675% | 1,467 |
| Net loans and leases to total assets | 53.0252% | 4,664 |
| Net loans and leases to deposits | 60.0160% | 4,855 |
| Net loans and leases to core deposits | 64.8498% | 4,770 |
| Total domestic deposits to total assets | 88.3518% | 1,378 |
| Equity capital to assets | 11.0569% | 2,956 |
| Core capital (leverage) ratio | 9.7166% | 4,012 |
| Tier 1 risk-based capital ratio | 17.6221% | 2,150 |
| Total risk-based capital ratio | 18.7315% | 2,147 |
| Memoranda: | ||
| Average total assets | $215,051,250 | 2,817 |
| Average earning assets | $195,053,250 | 2,852 |
| Average equity | $23,527,250 | 2,853 |
| Average total loans | $115,132,000 | 3,144 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 2,918 |
| Cost of funding earning assets | 0.3387% | 3,941 |
| Net interest margin | 3.7549% | 2,500 |
| Noninterest income to average assets | 0.4453% | 3,739 |
| Noninterest expense to average assets | 3.1225% | 2,182 |
| Loan and lease loss provision to assets | 0.2236% | 846 |
| Net operating income to assets | 0.5037% | 4,751 |
| Return on assets (ROA) | 0.5584% | 4,632 |
| Pretax return on assets | 0.5584% | 5,077 |
| Return on Equity (ROE) | 5.1225% | 4,565 |
| Retained earnings to average equity (ytd only) | 2.2124% | 4,608 |
| Net charge-offs to loans | 0.3571% | 732 |
| Credit loss provision to net charge-offs | 116.9903% | 1,845 |
| Earnings coverage of net charge-offs (x) | 3.8058% | 3,131 |
| Efficiency ratio | 79.8795% | 1,781 |
| Assets per employee ($millions) | 3.2886% | 5,184 |
| Cash dividends to net income (ytd only)* | 56.8106% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 5,065 |
| Loan loss allowance to noncurrent loans | 72.6675% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 1,895 |
| Noncurrent loans to loans | 1.3179% | 2,040 |
| Net loans and leases to total assets | 51.9132% | 4,761 |
| Net loans and leases to deposits | 58.4112% | 4,962 |
| Net loans and leases to core deposits | 63.7261% | 4,827 |
| Total domestic deposits to total assets | 88.8755% | 1,203 |
| Equity capital to assets | 10.5772% | 3,361 |
| Core capital (leverage) ratio | 9.7113% | 3,983 |
| Tier 1 risk-based capital ratio | 17.2117% | 2,323 |
| Total risk-based capital ratio | 18.1733% | 2,386 |
| Memoranda: | ||
| Average total assets | $215,599,670 | 2,829 |
| Average earning assets | $195,480,000 | 2,868 |
| Average equity | $23,504,330 | 2,863 |
| Average total loans | $115,368,670 | 3,161 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 2,583 |
| Cost of funding earning assets | 0.3481% | 3,879 |
| Net interest margin | 3.8168% | 2,181 |
| Noninterest income to average assets | 0.6528% | 2,391 |
| Noninterest expense to average assets | 3.2415% | 1,867 |
| Loan and lease loss provision to assets | 0.1782% | 1,085 |
| Net operating income to assets | 0.6884% | 3,854 |
| Return on assets (ROA) | 0.7353% | 3,747 |
| Pretax return on assets | 0.7353% | 4,478 |
| Return on Equity (ROE) | 6.6429% | 3,684 |
| Retained earnings to average equity (ytd only) | 1.4913% | 4,892 |
| Net charge-offs to loans | 0.1214% | 1,538 |
| Credit loss provision to net charge-offs | 271.4286% | 877 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,739 |
| Efficiency ratio | 77.7169% | 2,229 |
| Assets per employee ($millions) | 3.3041% | 5,237 |
| Cash dividends to net income (ytd only)* | 77.5510% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 5,053 |
| Loan loss allowance to noncurrent loans | 68.5455% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.6116% | 1,586 |
| Noncurrent loans to loans | 1.4530% | 1,956 |
| Net loans and leases to total assets | 53.1670% | 4,536 |
| Net loans and leases to deposits | 60.2769% | 4,726 |
| Net loans and leases to core deposits | 63.9001% | 4,706 |
| Total domestic deposits to total assets | 88.2046% | 1,703 |
| Equity capital to assets | 11.2289% | 2,724 |
| Core capital (leverage) ratio | 9.6264% | 4,114 |
| Tier 1 risk-based capital ratio | 16.9443% | 2,497 |
| Total risk-based capital ratio | 17.9277% | 2,557 |
| Memoranda: | ||
| Average total assets | $213,233,000 | 2,874 |
| Average earning assets | $193,043,500 | 2,916 |
| Average equity | $23,604,000 | 2,872 |
| Average total loans | $115,309,000 | 3,173 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2197% | 2,885 |
| Cost of funding earning assets | 0.3746% | 3,986 |
| Net interest margin | 3.8451% | 2,445 |
| Noninterest income to average assets | 0.5309% | 3,292 |
| Noninterest expense to average assets | 3.4060% | 1,688 |
| Loan and lease loss provision to assets | 0.3333% | 582 |
| Net operating income to assets | 0.2529% | 5,650 |
| Return on assets (ROA) | 0.2925% | 5,605 |
| Pretax return on assets | 0.2952% | 5,711 |
| Return on Equity (ROE) | 2.8340% | 5,528 |
| Retained earnings to average equity (ytd only) | 0.5633% | 5,518 |
| Net charge-offs to loans | 1.0895% | 261 |
| Credit loss provision to net charge-offs | 56.5485% | 3,349 |
| Earnings coverage of net charge-offs (x) | 0.9985% | 4,517 |
| Efficiency ratio | 84.1064% | 1,399 |
| Assets per employee ($millions) | 3.2090% | 5,421 |
| Cash dividends to net income (ytd only)* | 80.1242% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 5,425 |
| Loan loss allowance to noncurrent loans | 76.0653% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.5907% | 1,700 |
| Noncurrent loans to loans | 1.2028% | 2,442 |
| Net loans and leases to total assets | 53.9469% | 4,588 |
| Net loans and leases to deposits | 60.9169% | 4,817 |
| Net loans and leases to core deposits | 65.4082% | 4,717 |
| Total domestic deposits to total assets | 88.5582% | 1,489 |
| Equity capital to assets | 10.9129% | 2,993 |
| Core capital (leverage) ratio | 9.2426% | 4,611 |
| Tier 1 risk-based capital ratio | 16.3358% | 2,798 |
| Total risk-based capital ratio | 17.2421% | 2,908 |
| Memoranda: | ||
| Average total assets | $220,201,600 | 2,780 |
| Average earning assets | $198,357,000 | 2,823 |
| Average equity | $22,724,400 | 2,877 |
| Average total loans | $119,137,200 | 3,064 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,775 |
| Cost of funding earning assets | 0.3745% | 4,080 |
| Net interest margin | 3.8860% | 2,298 |
| Noninterest income to average assets | 0.5038% | 3,523 |
| Noninterest expense to average assets | 3.2800% | 1,947 |
| Loan and lease loss provision to assets | 0.3732% | 466 |
| Net operating income to assets | 0.3485% | 5,431 |
| Return on assets (ROA) | 0.3913% | 5,358 |
| Pretax return on assets | 0.3913% | 5,597 |
| Return on Equity (ROE) | 3.8450% | 5,234 |
| Retained earnings to average equity (ytd only) | 0.7926% | 5,563 |
| Net charge-offs to loans | 0.8892% | 371 |
| Credit loss provision to net charge-offs | 77.6942% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.5025% | 4,146 |
| Efficiency ratio | 80.8063% | 1,794 |
| Assets per employee ($millions) | 3.2515% | 5,327 |
| Cash dividends to net income (ytd only)* | 79.3838% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 4,036 |
| Loan loss allowance to noncurrent loans | 36.6818% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 2.2750% | 1,202 |
| Noncurrent loans to loans | 3.3739% | 726 |
| Net loans and leases to total assets | 52.5866% | 4,740 |
| Net loans and leases to deposits | 59.1351% | 5,008 |
| Net loans and leases to core deposits | 63.3453% | 4,942 |
| Total domestic deposits to total assets | 88.9263% | 1,281 |
| Equity capital to assets | 10.4672% | 3,606 |
| Core capital (leverage) ratio | 9.2089% | 4,773 |
| Tier 1 risk-based capital ratio | 15.8399% | 3,135 |
| Total risk-based capital ratio | 17.0251% | 3,111 |
| Memoranda: | ||
| Average total assets | $221,501,500 | 2,789 |
| Average earning assets | $199,376,250 | 2,836 |
| Average equity | $22,539,750 | 2,898 |
| Average total loans | $119,657,000 | 3,059 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 1,993 |
| Cost of funding earning assets | 0.3758% | 4,153 |
| Net interest margin | 4.0747% | 1,590 |
| Noninterest income to average assets | 0.5135% | 3,386 |
| Noninterest expense to average assets | 3.4056% | 1,666 |
| Loan and lease loss provision to assets | 0.4783% | 314 |
| Net operating income to assets | 0.2888% | 5,609 |
| Return on assets (ROA) | 0.3366% | 5,516 |
| Pretax return on assets | 0.3366% | 5,711 |
| Return on Equity (ROE) | 3.3395% | 5,410 |
| Retained earnings to average equity (ytd only) | 1.0296% | 5,346 |
| Net charge-offs to loans | 1.0424% | 328 |
| Credit loss provision to net charge-offs | 84.5295% | 2,267 |
| Earnings coverage of net charge-offs (x) | 1.3557% | 3,831 |
| Efficiency ratio | 80.5147% | 1,944 |
| Assets per employee ($millions) | 3.1111% | 5,580 |
| Cash dividends to net income (ytd only)* | 69.1689% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 3,811 |
| Loan loss allowance to noncurrent loans | 45.1556% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 2.2419% | 1,341 |
| Noncurrent loans to loans | 2.8975% | 1,025 |
| Net loans and leases to total assets | 52.5205% | 4,690 |
| Net loans and leases to deposits | 59.0352% | 4,949 |
| Net loans and leases to core deposits | 62.9558% | 4,903 |
| Total domestic deposits to total assets | 88.9648% | 1,376 |
| Equity capital to assets | 10.4520% | 3,497 |
| Core capital (leverage) ratio | 9.1169% | 4,856 |
| Tier 1 risk-based capital ratio | 15.7080% | 3,243 |
| Total risk-based capital ratio | 16.9548% | 3,182 |
| Memoranda: | ||
| Average total assets | $221,635,330 | 2,796 |
| Average earning assets | $199,032,330 | 2,846 |
| Average equity | $22,338,670 | 2,909 |
| Average total loans | $120,300,670 | 3,055 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 1,493 |
| Cost of funding earning assets | 0.3780% | 4,219 |
| Net interest margin | 4.2269% | 1,150 |
| Noninterest income to average assets | 0.6919% | 2,213 |
| Noninterest expense to average assets | 3.4971% | 1,492 |
| Loan and lease loss provision to assets | 0.7928% | 150 |
| Net operating income to assets | 0.1892% | 5,829 |
| Return on assets (ROA) | 0.2378% | 5,742 |
| Pretax return on assets | 0.2378% | 5,855 |
| Return on Equity (ROE) | 2.4039% | 5,668 |
| Retained earnings to average equity (ytd only) | -2.2946% | 5,882 |
| Net charge-offs to loans | 1.8015% | 155 |
| Credit loss provision to net charge-offs | 80.2920% | 1,898 |
| Earnings coverage of net charge-offs (x) | 0.9945% | 3,215 |
| Efficiency ratio | 77.0314% | 2,644 |
| Assets per employee ($millions) | 3.0856% | 5,714 |
| Cash dividends to net income (ytd only)* | 195.4545% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 4,231 |
| Loan loss allowance to noncurrent loans | 48.1248% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 2.5959% | 1,202 |
| Noncurrent loans to loans | 2.6571% | 1,283 |
| Net loans and leases to total assets | 53.8112% | 4,444 |
| Net loans and leases to deposits | 60.2234% | 4,739 |
| Net loans and leases to core deposits | 63.2050% | 4,768 |
| Total domestic deposits to total assets | 89.3526% | 1,445 |
| Equity capital to assets | 10.0896% | 3,736 |
| Core capital (leverage) ratio | 8.9642% | 5,068 |
| Tier 1 risk-based capital ratio | 14.7768% | 3,829 |
| Total risk-based capital ratio | 15.9521% | 3,841 |
| Memoranda: | ||
| Average total assets | $222,010,500 | 2,809 |
| Average earning assets | $198,916,500 | 2,862 |
| Average equity | $21,964,500 | 2,940 |
| Average total loans | $121,677,000 | 3,041 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 2,041 |
| Cost of funding earning assets | 0.4462% | 4,149 |
| Net interest margin | 4.1015% | 1,634 |
| Noninterest income to average assets | 1.2239% | 936 |
| Noninterest expense to average assets | 3.4832% | 1,692 |
| Loan and lease loss provision to assets | 1.2140% | 133 |
| Net operating income to assets | 0.1929% | 5,839 |
| Return on assets (ROA) | 0.2238% | 5,824 |
| Pretax return on assets | 0.2260% | 5,894 |
| Return on Equity (ROE) | 2.3054% | 5,733 |
| Retained earnings to average equity (ytd only) | -0.2596% | 5,932 |
| Net charge-offs to loans | 2.6752% | 100 |
| Credit loss provision to net charge-offs | 79.0546% | 3,070 |
| Earnings coverage of net charge-offs (x) | 0.9174% | 4,779 |
| Efficiency ratio | 70.2976% | 3,792 |
| Assets per employee ($millions) | 2.9214% | 5,957 |
| Cash dividends to net income (ytd only)* | 111.2621% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 4,047 |
| Loan loss allowance to noncurrent loans | 39.3976% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 3.0305% | 1,036 |
| Noncurrent loans to loans | 3.3484% | 967 |
| Net loans and leases to total assets | 54.3709% | 4,540 |
| Net loans and leases to deposits | 60.6234% | 4,879 |
| Net loans and leases to core deposits | 65.2114% | 4,757 |
| Total domestic deposits to total assets | 89.6863% | 1,227 |
| Equity capital to assets | 9.7024% | 4,165 |
| Core capital (leverage) ratio | 8.7783% | 5,314 |
| Tier 1 risk-based capital ratio | 14.6589% | 3,860 |
| Total risk-based capital ratio | 15.9059% | 3,806 |
| Memoranda: | ||
| Average total assets | $230,075,200 | 2,720 |
| Average earning assets | $205,756,400 | 2,771 |
| Average equity | $22,339,200 | 2,888 |
| Average total loans | $132,065,600 | 2,823 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 2,417 |
| Cost of funding earning assets | 0.4594% | 4,179 |
| Net interest margin | 3.9916% | 1,974 |
| Noninterest income to average assets | 1.3912% | 752 |
| Noninterest expense to average assets | 3.3408% | 1,978 |
| Loan and lease loss provision to assets | 1.5145% | 78 |
| Net operating income to assets | 0.1014% | 6,137 |
| Return on assets (ROA) | 0.1400% | 6,123 |
| Pretax return on assets | 0.1400% | 6,157 |
| Return on Equity (ROE) | 1.4420% | 6,088 |
| Retained earnings to average equity (ytd only) | -1.9583% | 6,260 |
| Net charge-offs to loans | 3.0017% | 75 |
| Credit loss provision to net charge-offs | 87.0487% | 2,691 |
| Earnings coverage of net charge-offs (x) | 0.9288% | 4,544 |
| Efficiency ratio | 66.5039% | 4,395 |
| Assets per employee ($millions) | 2.9911% | 5,863 |
| Cash dividends to net income (ytd only)* | 235.8036% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 3,205 |
| Loan loss allowance to noncurrent loans | 37.0405% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 2.9847% | 1,239 |
| Noncurrent loans to loans | 4.2002% | 822 |
| Net loans and leases to total assets | 55.2533% | 4,423 |
| Net loans and leases to deposits | 61.4471% | 4,820 |
| Net loans and leases to core deposits | 67.7973% | 4,542 |
| Total domestic deposits to total assets | 89.9201% | 1,046 |
| Equity capital to assets | 9.4464% | 4,620 |
| Core capital (leverage) ratio | 8.7234% | 5,501 |
| Tier 1 risk-based capital ratio | 14.0676% | 4,377 |
| Total risk-based capital ratio | 15.3196% | 4,325 |
| Memoranda: | ||
| Average total assets | $231,358,000 | 2,718 |
| Average earning assets | $206,661,500 | 2,780 |
| Average equity | $22,467,750 | 2,906 |
| Average total loans | $134,097,250 | 2,801 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5073% | 2,174 |
| Cost of funding earning assets | 0.4756% | 4,142 |
| Net interest margin | 4.0317% | 1,757 |
| Noninterest income to average assets | 1.3648% | 842 |
| Noninterest expense to average assets | 3.2582% | 2,197 |
| Loan and lease loss provision to assets | 1.8805% | 60 |
| Net operating income to assets | -0.1745% | 6,471 |
| Return on assets (ROA) | -0.1169% | 6,464 |
| Pretax return on assets | -0.1169% | 6,439 |
| Return on Equity (ROE) | -1.1930% | 6,469 |
| Retained earnings to average equity (ytd only) | -4.3949% | 6,421 |
| Net charge-offs to loans | 3.0147% | 98 |
| Credit loss provision to net charge-offs | 106.5239% | 2,080 |
| Earnings coverage of net charge-offs (x) | 0.9664% | 4,208 |
| Efficiency ratio | 64.7507% | 4,747 |
| Assets per employee ($millions) | 3.0168% | 5,822 |
| Cash dividends to net income (ytd only)* | -268.3824% | 6,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8910% | 2,138 |
| Loan loss allowance to noncurrent loans | 36.8267% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 3.7601% | 976 |
| Noncurrent loans to loans | 5.1348% | 611 |
| Net loans and leases to total assets | 56.7769% | 4,167 |
| Net loans and leases to deposits | 63.1511% | 4,602 |
| Net loans and leases to core deposits | 67.8014% | 4,518 |
| Total domestic deposits to total assets | 89.9064% | 1,078 |
| Equity capital to assets | 9.4896% | 4,594 |
| Core capital (leverage) ratio | 8.3403% | 5,836 |
| Tier 1 risk-based capital ratio | 14.2504% | 4,259 |
| Total risk-based capital ratio | 15.5096% | 4,203 |
| Memoranda: | ||
| Average total assets | $232,702,670 | 2,715 |
| Average earning assets | $207,754,000 | 2,776 |
| Average equity | $22,799,000 | 2,887 |
| Average total loans | $136,266,670 | 2,770 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5819% | 1,889 |
| Cost of funding earning assets | 0.4987% | 4,105 |
| Net interest margin | 4.0832% | 1,508 |
| Noninterest income to average assets | 1.8582% | 479 |
| Noninterest expense to average assets | 3.3410% | 1,983 |
| Loan and lease loss provision to assets | 3.0510% | 28 |
| Net operating income to assets | -0.8873% | 6,781 |
| Return on assets (ROA) | -0.8873% | 6,794 |
| Pretax return on assets | -0.8873% | 6,773 |
| Return on Equity (ROE) | -8.9194% | 6,781 |
| Retained earnings to average equity (ytd only) | -15.1801% | 6,747 |
| Net charge-offs to loans | 5.5426% | 36 |
| Credit loss provision to net charge-offs | 93.4658% | 1,963 |
| Earnings coverage of net charge-offs (x) | 0.6628% | 3,607 |
| Efficiency ratio | 59.8884% | 5,602 |
| Assets per employee ($millions) | 3.1482% | 5,729 |
| Cash dividends to net income (ytd only)* | -70.1923% | 6,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 3,215 |
| Loan loss allowance to noncurrent loans | 44.9281% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.9597% | 1,521 |
| Noncurrent loans to loans | 3.6624% | 1,293 |
| Net loans and leases to total assets | 57.7297% | 3,811 |
| Net loans and leases to deposits | 64.4199% | 4,266 |
| Net loans and leases to core deposits | 68.9226% | 4,193 |
| Total domestic deposits to total assets | 89.6147% | 1,287 |
| Equity capital to assets | 9.7641% | 4,475 |
| Core capital (leverage) ratio | 8.0674% | 6,082 |
| Tier 1 risk-based capital ratio | 13.2382% | 5,050 |
| Total risk-based capital ratio | 14.4986% | 4,993 |
| Memoranda: | ||
| Average total assets | $234,417,500 | 2,731 |
| Average earning assets | $209,345,500 | 2,782 |
| Average equity | $23,320,000 | 2,877 |
| Average total loans | $138,058,500 | 2,761 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 1,720 |
| Cost of funding earning assets | 0.6959% | 3,519 |
| Net interest margin | 4.2426% | 1,536 |
| Noninterest income to average assets | 0.6992% | 2,728 |
| Noninterest expense to average assets | 3.2150% | 2,560 |
| Loan and lease loss provision to assets | 0.8458% | 558 |
| Net operating income to assets | 0.4394% | 4,926 |
| Return on assets (ROA) | 0.4623% | 5,081 |
| Pretax return on assets | 0.4623% | 5,391 |
| Return on Equity (ROE) | 4.6157% | 4,875 |
| Retained earnings to average equity (ytd only) | 0.2079% | 5,744 |
| Net charge-offs to loans | 1.7937% | 455 |
| Credit loss provision to net charge-offs | 76.6126% | 3,942 |
| Earnings coverage of net charge-offs (x) | 1.1641% | 4,879 |
| Efficiency ratio | 70.3591% | 3,745 |
| Assets per employee ($millions) | 3.0632% | 5,915 |
| Cash dividends to net income (ytd only)* | 95.4955% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 2,918 |
| Loan loss allowance to noncurrent loans | 43.9489% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 3.3582% | 1,367 |
| Noncurrent loans to loans | 3.8773% | 1,248 |
| Net loans and leases to total assets | 58.0837% | 3,964 |
| Net loans and leases to deposits | 64.9915% | 4,428 |
| Net loans and leases to core deposits | 70.3270% | 4,261 |
| Total domestic deposits to total assets | 89.3713% | 1,318 |
| Equity capital to assets | 10.1297% | 4,002 |
| Core capital (leverage) ratio | 8.3243% | 5,863 |
| Tier 1 risk-based capital ratio | 13.5560% | 4,711 |
| Total risk-based capital ratio | 14.7903% | 4,671 |
| Memoranda: | ||
| Average total assets | $240,125,800 | 2,634 |
| Average earning assets | $215,127,800 | 2,678 |
| Average equity | $24,048,600 | 2,742 |
| Average total loans | $147,795,800 | 2,606 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9436% | 1,849 |
| Cost of funding earning assets | 0.7250% | 3,556 |
| Net interest margin | 4.2186% | 1,686 |
| Noninterest income to average assets | 0.7186% | 2,624 |
| Noninterest expense to average assets | 3.2129% | 2,524 |
| Loan and lease loss provision to assets | 0.7911% | 602 |
| Net operating income to assets | 0.5008% | 4,842 |
| Return on assets (ROA) | 0.5053% | 5,083 |
| Pretax return on assets | 0.5053% | 5,452 |
| Return on Equity (ROE) | 5.0592% | 4,797 |
| Retained earnings to average equity (ytd only) | -0.8081% | 6,247 |
| Net charge-offs to loans | 1.4080% | 637 |
| Credit loss provision to net charge-offs | 90.3980% | 3,279 |
| Earnings coverage of net charge-offs (x) | 1.4763% | 4,546 |
| Efficiency ratio | 70.2417% | 3,645 |
| Assets per employee ($millions) | 3.0648% | 5,939 |
| Cash dividends to net income (ytd only)* | 115.9735% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9342% | 2,377 |
| Loan loss allowance to noncurrent loans | 32.4210% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 4.2178% | 1,126 |
| Noncurrent loans to loans | 5.9658% | 686 |
| Net loans and leases to total assets | 59.5352% | 3,874 |
| Net loans and leases to deposits | 66.5940% | 4,392 |
| Net loans and leases to core deposits | 72.7804% | 4,160 |
| Total domestic deposits to total assets | 89.4003% | 1,191 |
| Equity capital to assets | 10.0025% | 4,489 |
| Core capital (leverage) ratio | 8.3079% | 5,997 |
| Tier 1 risk-based capital ratio | 12.7530% | 5,439 |
| Total risk-based capital ratio | 14.0107% | 5,396 |
| Memoranda: | ||
| Average total assets | $241,189,750 | 2,640 |
| Average earning assets | $216,462,000 | 2,677 |
| Average equity | $24,087,500 | 2,770 |
| Average total loans | $149,900,500 | 2,606 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 1,999 |
| Cost of funding earning assets | 0.7487% | 3,611 |
| Net interest margin | 4.1788% | 1,808 |
| Noninterest income to average assets | 0.6941% | 2,705 |
| Noninterest expense to average assets | 3.2738% | 2,377 |
| Loan and lease loss provision to assets | 0.9341% | 489 |
| Net operating income to assets | 0.2308% | 5,825 |
| Return on assets (ROA) | 0.2317% | 6,009 |
| Pretax return on assets | 0.2317% | 6,093 |
| Return on Equity (ROE) | 2.3207% | 5,943 |
| Retained earnings to average equity (ytd only) | -3.6350% | 6,523 |
| Net charge-offs to loans | 1.5232% | 646 |
| Credit loss provision to net charge-offs | 97.9112% | 2,830 |
| Earnings coverage of net charge-offs (x) | 1.2211% | 4,396 |
| Efficiency ratio | 72.6525% | 3,313 |
| Assets per employee ($millions) | 3.0519% | 5,954 |
| Cash dividends to net income (ytd only)* | 256.6308% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 2,314 |
| Loan loss allowance to noncurrent loans | 44.2047% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 3.3235% | 1,625 |
| Noncurrent loans to loans | 4.4554% | 1,194 |
| Net loans and leases to total assets | 61.3337% | 3,568 |
| Net loans and leases to deposits | 68.4655% | 4,127 |
| Net loans and leases to core deposits | 76.1881% | 3,751 |
| Total domestic deposits to total assets | 89.5833% | 1,172 |
| Equity capital to assets | 9.8007% | 4,624 |
| Core capital (leverage) ratio | 8.1489% | 6,097 |
| Tier 1 risk-based capital ratio | 12.6414% | 5,461 |
| Total risk-based capital ratio | 13.8911% | 5,445 |
| Memoranda: | ||
| Average total assets | $240,880,000 | 2,650 |
| Average earning assets | $215,853,330 | 2,689 |
| Average equity | $24,044,000 | 2,764 |
| Average total loans | $150,871,000 | 2,604 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 1,791 |
| Cost of funding earning assets | 0.7764% | 3,649 |
| Net interest margin | 4.2535% | 1,602 |
| Noninterest income to average assets | 0.7044% | 2,641 |
| Noninterest expense to average assets | 3.3875% | 2,040 |
| Loan and lease loss provision to assets | 1.6364% | 203 |
| Net operating income to assets | -0.5150% | 6,835 |
| Return on assets (ROA) | -0.4835% | 6,846 |
| Pretax return on assets | -0.4835% | 6,817 |
| Return on Equity (ROE) | -4.7998% | 6,844 |
| Retained earnings to average equity (ytd only) | -16.6096% | 6,999 |
| Net charge-offs to loans | 2.2163% | 400 |
| Credit loss provision to net charge-offs | 117.8230% | 2,010 |
| Earnings coverage of net charge-offs (x) | 0.8074% | 3,935 |
| Efficiency ratio | 74.0604% | 3,092 |
| Assets per employee ($millions) | 3.1031% | 5,953 |
| Cash dividends to net income (ytd only)* | -246.0481% | 7,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0890% | 2,129 |
| Loan loss allowance to noncurrent loans | 44.7736% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 3.6911% | 1,533 |
| Noncurrent loans to loans | 4.6657% | 1,226 |
| Net loans and leases to total assets | 60.8817% | 3,472 |
| Net loans and leases to deposits | 67.9699% | 4,064 |
| Net loans and leases to core deposits | 74.7703% | 3,791 |
| Total domestic deposits to total assets | 89.5716% | 1,324 |
| Equity capital to assets | 9.8025% | 4,368 |
| Core capital (leverage) ratio | 7.8731% | 6,355 |
| Tier 1 risk-based capital ratio | 12.0280% | 5,942 |
| Total risk-based capital ratio | 13.2943% | 5,916 |
| Memoranda: | ||
| Average total assets | $240,768,000 | 2,660 |
| Average earning assets | $215,352,500 | 2,701 |
| Average equity | $24,251,000 | 2,744 |
| Average total loans | $150,882,000 | 2,620 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3581% | 1,538 |
| Cost of funding earning assets | 0.9285% | 3,891 |
| Net interest margin | 4.4296% | 1,310 |
| Noninterest income to average assets | 0.9836% | 1,410 |
| Noninterest expense to average assets | 3.1565% | 3,006 |
| Loan and lease loss provision to assets | 1.3462% | 596 |
| Net operating income to assets | 0.4398% | 4,689 |
| Return on assets (ROA) | 0.4377% | 4,906 |
| Pretax return on assets | 0.4406% | 5,167 |
| Return on Equity (ROE) | 4.3449% | 4,703 |
| Retained earnings to average equity (ytd only) | -0.3935% | 5,915 |
| Net charge-offs to loans | 1.1936% | 1,412 |
| Credit loss provision to net charge-offs | 180.2101% | 1,443 |
| Earnings coverage of net charge-offs (x) | 2.3947% | 4,016 |
| Efficiency ratio | 62.5668% | 5,371 |
| Assets per employee ($millions) | 2.9207% | 6,250 |
| Cash dividends to net income (ytd only)* | 109.0566% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9800% | 2,344 |
| Loan loss allowance to noncurrent loans | 40.0080% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 3.8168% | 1,512 |
| Noncurrent loans to loans | 4.9490% | 1,145 |
| Net loans and leases to total assets | 61.9079% | 3,616 |
| Net loans and leases to deposits | 70.2138% | 4,059 |
| Net loans and leases to core deposits | 77.6954% | 3,719 |
| Total domestic deposits to total assets | 88.1706% | 2,043 |
| Equity capital to assets | 10.3451% | 3,716 |
| Core capital (leverage) ratio | 8.1513% | 6,071 |
| Tier 1 risk-based capital ratio | 12.1681% | 5,710 |
| Total risk-based capital ratio | 13.4318% | 5,679 |
| Memoranda: | ||
| Average total assets | $242,167,000 | 2,610 |
| Average earning assets | $216,587,200 | 2,652 |
| Average equity | $24,396,400 | 2,630 |
| Average total loans | $151,560,400 | 2,622 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4310% | 1,430 |
| Cost of funding earning assets | 0.9678% | 3,909 |
| Net interest margin | 4.4633% | 1,236 |
| Noninterest income to average assets | 0.5529% | 3,497 |
| Noninterest expense to average assets | 3.0725% | 3,271 |
| Loan and lease loss provision to assets | 0.5820% | 1,690 |
| Net operating income to assets | 0.8917% | 2,773 |
| Return on assets (ROA) | 0.8944% | 2,909 |
| Pretax return on assets | 0.8944% | 3,787 |
| Return on Equity (ROE) | 8.9375% | 2,626 |
| Retained earnings to average equity (ytd only) | 2.5951% | 4,812 |
| Net charge-offs to loans | 1.2275% | 1,269 |
| Credit loss provision to net charge-offs | 75.9312% | 4,280 |
| Earnings coverage of net charge-offs (x) | 1.9226% | 4,214 |
| Efficiency ratio | 66.2440% | 4,679 |
| Assets per employee ($millions) | 3.1227% | 5,854 |
| Cash dividends to net income (ytd only)* | 70.9634% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 6,840 |
| Loan loss allowance to noncurrent loans | 12.6771% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 4.3613% | 1,385 |
| Noncurrent loans to loans | 6.2079% | 882 |
| Net loans and leases to total assets | 61.7333% | 3,793 |
| Net loans and leases to deposits | 70.4018% | 4,238 |
| Net loans and leases to core deposits | 79.2703% | 3,740 |
| Total domestic deposits to total assets | 87.6871% | 2,243 |
| Equity capital to assets | 10.2602% | 4,009 |
| Core capital (leverage) ratio | 8.3843% | 5,875 |
| Tier 1 risk-based capital ratio | 12.5850% | 5,416 |
| Total risk-based capital ratio | 13.3430% | 5,821 |
| Memoranda: | ||
| Average total assets | $242,834,750 | 2,608 |
| Average earning assets | $217,264,750 | 2,660 |
| Average equity | $24,301,500 | 2,644 |
| Average total loans | $151,635,000 | 2,640 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3541% | 1,709 |
| Cost of funding earning assets | 1.0240% | 3,788 |
| Net interest margin | 4.3301% | 1,566 |
| Noninterest income to average assets | 0.5398% | 3,563 |
| Noninterest expense to average assets | 3.0884% | 3,297 |
| Loan and lease loss provision to assets | 0.5051% | 1,940 |
| Net operating income to assets | 0.8189% | 2,986 |
| Return on assets (ROA) | 0.8247% | 3,078 |
| Pretax return on assets | 0.8247% | 3,931 |
| Return on Equity (ROE) | 8.3121% | 2,804 |
| Retained earnings to average equity (ytd only) | 1.8694% | 5,047 |
| Net charge-offs to loans | 0.7946% | 1,915 |
| Credit loss provision to net charge-offs | 101.6667% | 3,051 |
| Earnings coverage of net charge-offs (x) | 2.6650% | 3,503 |
| Efficiency ratio | 68.6808% | 4,395 |
| Assets per employee ($millions) | 3.1661% | 5,706 |
| Cash dividends to net income (ytd only)* | 77.5100% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,330 |
| Loan loss allowance to noncurrent loans | 12.3549% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 5.7832% | 993 |
| Noncurrent loans to loans | 8.1007% | 556 |
| Net loans and leases to total assets | 63.0519% | 3,667 |
| Net loans and leases to deposits | 71.7344% | 4,154 |
| Net loans and leases to core deposits | 81.7430% | 3,548 |
| Total domestic deposits to total assets | 87.8963% | 2,210 |
| Equity capital to assets | 10.0384% | 4,093 |
| Core capital (leverage) ratio | 8.3431% | 5,803 |
| Tier 1 risk-based capital ratio | 12.3472% | 5,480 |
| Total risk-based capital ratio | 13.3179% | 5,698 |
| Memoranda: | ||
| Average total assets | $241,549,000 | 2,639 |
| Average earning assets | $216,023,330 | 2,693 |
| Average equity | $23,965,000 | 2,664 |
| Average total loans | $151,013,670 | 2,668 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3087% | 1,845 |
| Cost of funding earning assets | 1.0588% | 3,791 |
| Net interest margin | 4.2500% | 1,744 |
| Noninterest income to average assets | 0.5424% | 3,564 |
| Noninterest expense to average assets | 3.1594% | 3,029 |
| Loan and lease loss provision to assets | 0.4658% | 1,888 |
| Net operating income to assets | 0.7171% | 3,440 |
| Return on assets (ROA) | 0.7087% | 3,551 |
| Pretax return on assets | 0.7087% | 4,274 |
| Return on Equity (ROE) | 7.1865% | 3,299 |
| Retained earnings to average equity (ytd only) | -3.4752% | 6,362 |
| Net charge-offs to loans | 0.2928% | 2,883 |
| Credit loss provision to net charge-offs | 256.8807% | 1,214 |
| Earnings coverage of net charge-offs (x) | 6.5229% | 2,086 |
| Efficiency ratio | 71.4176% | 3,976 |
| Assets per employee ($millions) | 3.0367% | 6,084 |
| Cash dividends to net income (ytd only)* | 148.3568% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 5,842 |
| Loan loss allowance to noncurrent loans | 13.5745% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 5.9883% | 969 |
| Noncurrent loans to loans | 8.4879% | 554 |
| Net loans and leases to total assets | 61.3307% | 4,001 |
| Net loans and leases to deposits | 69.8060% | 4,372 |
| Net loans and leases to core deposits | 78.9306% | 3,905 |
| Total domestic deposits to total assets | 87.8587% | 2,455 |
| Equity capital to assets | 9.8753% | 3,928 |
| Core capital (leverage) ratio | 8.1019% | 6,127 |
| Tier 1 risk-based capital ratio | 12.4728% | 5,292 |
| Total risk-based capital ratio | 13.5814% | 5,409 |
| Memoranda: | ||
| Average total assets | $240,427,000 | 2,663 |
| Average earning assets | $214,967,000 | 2,725 |
| Average equity | $23,711,000 | 2,671 |
| Average total loans | $148,885,500 | 2,728 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 2,208 |
| Cost of funding earning assets | 1.2596% | 4,150 |
| Net interest margin | 4.2596% | 1,955 |
| Noninterest income to average assets | 0.6719% | 3,010 |
| Noninterest expense to average assets | 3.3405% | 2,603 |
| Loan and lease loss provision to assets | 0.4548% | 3,396 |
| Net operating income to assets | 0.6953% | 3,243 |
| Return on assets (ROA) | 0.7758% | 3,024 |
| Pretax return on assets | 0.7802% | 3,697 |
| Return on Equity (ROE) | 8.2537% | 2,603 |
| Retained earnings to average equity (ytd only) | 3.8064% | 3,197 |
| Net charge-offs to loans | 0.7944% | 2,652 |
| Credit loss provision to net charge-offs | 90.8724% | 5,090 |
| Earnings coverage of net charge-offs (x) | 2.3053% | 3,997 |
| Efficiency ratio | 70.7295% | 4,031 |
| Assets per employee ($millions) | 3.1704% | 5,734 |
| Cash dividends to net income (ytd only)* | 53.8822% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 6,204 |
| Loan loss allowance to noncurrent loans | 16.7626% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 4.7399% | 1,384 |
| Noncurrent loans to loans | 6.1851% | 995 |
| Net loans and leases to total assets | 61.1650% | 4,461 |
| Net loans and leases to deposits | 69.4437% | 4,890 |
| Net loans and leases to core deposits | 80.7140% | 4,104 |
| Total domestic deposits to total assets | 88.0786% | 2,202 |
| Equity capital to assets | 9.8488% | 3,939 |
| Core capital (leverage) ratio | 8.0000% | 6,202 |
| Tier 1 risk-based capital ratio | 12.1525% | 5,336 |
| Total risk-based capital ratio | 13.1167% | 5,590 |
| Memoranda: | ||
| Average total assets | $247,361,200 | 2,571 |
| Average earning assets | $221,968,400 | 2,606 |
| Average equity | $23,250,200 | 2,728 |
| Average total loans | $155,845,800 | 2,673 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5064% | 2,407 |
| Cost of funding earning assets | 1.2991% | 4,224 |
| Net interest margin | 4.2073% | 2,192 |
| Noninterest income to average assets | 0.6480% | 3,140 |
| Noninterest expense to average assets | 3.3691% | 2,376 |
| Loan and lease loss provision to assets | 0.4284% | 3,339 |
| Net operating income to assets | 0.6298% | 3,750 |
| Return on assets (ROA) | 0.7353% | 3,419 |
| Pretax return on assets | 0.7353% | 4,130 |
| Return on Equity (ROE) | 7.9145% | 2,947 |
| Retained earnings to average equity (ytd only) | 1.9541% | 4,979 |
| Net charge-offs to loans | 0.5982% | 2,948 |
| Credit loss provision to net charge-offs | 113.1542% | 3,712 |
| Earnings coverage of net charge-offs (x) | 2.7949% | 3,743 |
| Efficiency ratio | 72.3842% | 3,631 |
| Assets per employee ($millions) | 3.1363% | 5,838 |
| Cash dividends to net income (ytd only)* | 75.3095% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,890 |
| Loan loss allowance to noncurrent loans | 19.6078% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 4.0765% | 1,706 |
| Noncurrent loans to loans | 5.6734% | 1,158 |
| Net loans and leases to total assets | 62.7872% | 4,369 |
| Net loans and leases to deposits | 70.7949% | 5,036 |
| Net loans and leases to core deposits | 84.9450% | 3,813 |
| Total domestic deposits to total assets | 88.6888% | 1,569 |
| Equity capital to assets | 9.6451% | 4,628 |
| Core capital (leverage) ratio | 7.7855% | 6,582 |
| Tier 1 risk-based capital ratio | 11.5229% | 5,912 |
| Total risk-based capital ratio | 12.5929% | 6,053 |
| Memoranda: | ||
| Average total assets | $248,963,250 | 2,584 |
| Average earning assets | $223,636,250 | 2,625 |
| Average equity | $23,130,000 | 2,785 |
| Average total loans | $157,576,500 | 2,690 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5279% | 2,411 |
| Cost of funding earning assets | 1.3585% | 4,137 |
| Net interest margin | 4.1694% | 2,265 |
| Noninterest income to average assets | 0.6601% | 2,955 |
| Noninterest expense to average assets | 3.3525% | 2,401 |
| Loan and lease loss provision to assets | 0.4010% | 3,317 |
| Net operating income to assets | 0.6408% | 3,676 |
| Return on assets (ROA) | 0.7996% | 3,115 |
| Pretax return on assets | 0.7996% | 3,883 |
| Return on Equity (ROE) | 8.7172% | 2,577 |
| Retained earnings to average equity (ytd only) | 1.9673% | 4,883 |
| Net charge-offs to loans | 0.6533% | 2,583 |
| Credit loss provision to net charge-offs | 97.0874% | 4,210 |
| Earnings coverage of net charge-offs (x) | 2.5223% | 3,740 |
| Efficiency ratio | 72.4767% | 3,742 |
| Assets per employee ($millions) | 3.0685% | 6,000 |
| Cash dividends to net income (ytd only)* | 77.4323% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 6,288 |
| Loan loss allowance to noncurrent loans | 14.3909% | 7,161 |
| Noncurrent assets plus other real estate owned to assets | 5.2551% | 1,196 |
| Noncurrent loans to loans | 7.1366% | 784 |
| Net loans and leases to total assets | 62.8495% | 4,503 |
| Net loans and leases to deposits | 71.1064% | 5,129 |
| Net loans and leases to core deposits | 86.9954% | 3,697 |
| Total domestic deposits to total assets | 88.3880% | 1,789 |
| Equity capital to assets | 9.2457% | 5,087 |
| Core capital (leverage) ratio | 7.6196% | 6,710 |
| Tier 1 risk-based capital ratio | 11.4992% | 5,772 |
| Total risk-based capital ratio | 12.5088% | 5,971 |
| Memoranda: | ||
| Average total assets | $249,363,000 | 2,607 |
| Average earning assets | $223,340,000 | 2,646 |
| Average equity | $22,874,330 | 2,814 |
| Average total loans | $157,664,000 | 2,726 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7316% | 1,667 |
| Cost of funding earning assets | 1.4072% | 4,130 |
| Net interest margin | 4.3244% | 1,615 |
| Noninterest income to average assets | 0.7187% | 2,477 |
| Noninterest expense to average assets | 3.4564% | 2,087 |
| Loan and lease loss provision to assets | 0.3626% | 3,194 |
| Net operating income to assets | 0.7622% | 3,146 |
| Return on assets (ROA) | 0.8911% | 2,656 |
| Pretax return on assets | 0.8911% | 3,501 |
| Return on Equity (ROE) | 9.7533% | 2,188 |
| Retained earnings to average equity (ytd only) | -1.1817% | 6,077 |
| Net charge-offs to loans | 0.5875% | 2,338 |
| Credit loss provision to net charge-offs | 97.8261% | 3,492 |
| Earnings coverage of net charge-offs (x) | 3.0348% | 3,039 |
| Efficiency ratio | 71.7552% | 3,974 |
| Assets per employee ($millions) | 2.8581% | 6,517 |
| Cash dividends to net income (ytd only)* | 112.1157% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 6,199 |
| Loan loss allowance to noncurrent loans | 15.9306% | 7,180 |
| Noncurrent assets plus other real estate owned to assets | 4.8317% | 1,356 |
| Noncurrent loans to loans | 6.6348% | 935 |
| Net loans and leases to total assets | 62.9172% | 4,554 |
| Net loans and leases to deposits | 71.5143% | 5,120 |
| Net loans and leases to core deposits | 85.1519% | 4,021 |
| Total domestic deposits to total assets | 87.9785% | 2,075 |
| Equity capital to assets | 9.2619% | 4,893 |
| Core capital (leverage) ratio | 7.5340% | 6,821 |
| Tier 1 risk-based capital ratio | 11.5501% | 5,631 |
| Total risk-based capital ratio | 12.5897% | 5,794 |
| Memoranda: | ||
| Average total assets | $248,234,500 | 2,671 |
| Average earning assets | $221,717,500 | 2,717 |
| Average equity | $22,679,500 | 2,852 |
| Average total loans | $156,604,500 | 2,803 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9957% | 1,893 |
| Cost of funding earning assets | 1.8189% | 3,888 |
| Net interest margin | 4.1768% | 2,148 |
| Noninterest income to average assets | 2.2932% | 312 |
| Noninterest expense to average assets | 3.4131% | 2,632 |
| Loan and lease loss provision to assets | 0.8500% | 2,613 |
| Net operating income to assets | 1.8031% | 358 |
| Return on assets (ROA) | 1.7826% | 392 |
| Pretax return on assets | 1.7762% | 664 |
| Return on Equity (ROE) | 17.2654% | 430 |
| Retained earnings to average equity (ytd only) | 11.8087% | 225 |
| Net charge-offs to loans | 0.7253% | 3,018 |
| Credit loss provision to net charge-offs | 182.5630% | 2,255 |
| Earnings coverage of net charge-offs (x) | 5.6849% | 2,521 |
| Efficiency ratio | 54.5073% | 7,176 |
| Assets per employee ($millions) | 3.1335% | 5,905 |
| Cash dividends to net income (ytd only)* | 31.6049% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 6,105 |
| Loan loss allowance to noncurrent loans | 15.4564% | 7,236 |
| Noncurrent assets plus other real estate owned to assets | 4.7595% | 1,326 |
| Noncurrent loans to loans | 6.8281% | 848 |
| Net loans and leases to total assets | 61.9345% | 5,001 |
| Net loans and leases to deposits | 70.7367% | 5,504 |
| Net loans and leases to core deposits | 95.4540% | 4,518 |
| Total domestic deposits to total assets | 87.5564% | 2,195 |
| Equity capital to assets | 9.0132% | 5,128 |
| Core capital (leverage) ratio | 7.4916% | 6,796 |
| Tier 1 risk-based capital ratio | 11.6833% | 5,216 |
| Total risk-based capital ratio | 12.7361% | 5,369 |
| Memoranda: | ||
| Average total assets | $204,476,200 | 3,128 |
| Average earning assets | $184,399,400 | 3,162 |
| Average equity | $21,111,600 | 3,056 |
| Average total loans | $131,260,800 | 3,249 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0092% | 1,998 |
| Cost of funding earning assets | 1.9148% | 3,797 |
| Net interest margin | 4.0944% | 2,421 |
| Noninterest income to average assets | 2.9848% | 226 |
| Noninterest expense to average assets | 3.0180% | 3,972 |
| Loan and lease loss provision to assets | 0.4755% | 3,532 |
| Net operating income to assets | 3.2005% | 53 |
| Return on assets (ROA) | 3.2253% | 56 |
| Pretax return on assets | 3.2253% | 88 |
| Return on Equity (ROE) | 30.0010% | 62 |
| Retained earnings to average equity (ytd only) | 22.5956% | 40 |
| Net charge-offs to loans | 0.7411% | 2,510 |
| Credit loss provision to net charge-offs | 99.1354% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.6643% | 2,372 |
| Efficiency ratio | 44.9618% | 7,803 |
| Assets per employee ($millions) | 3.9164% | 3,899 |
| Cash dividends to net income (ytd only)* | 24.6839% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5460% | 7,648 |
| Loan loss allowance to noncurrent loans | 6.3748% | 7,499 |
| Noncurrent assets plus other real estate owned to assets | 5.8380% | 941 |
| Noncurrent loans to loans | 8.5655% | 538 |
| Net loans and leases to total assets | 62.8568% | 5,096 |
| Net loans and leases to deposits | 72.1667% | 5,621 |
| Net loans and leases to core deposits | 96.1574% | 4,799 |
| Total domestic deposits to total assets | 87.0995% | 2,128 |
| Equity capital to assets | 9.5767% | 4,648 |
| Core capital (leverage) ratio | 8.0413% | 6,291 |
| Tier 1 risk-based capital ratio | 11.2630% | 5,674 |
| Total risk-based capital ratio | 11.7676% | 6,407 |
| Memoranda: | ||
| Average total assets | $192,926,250 | 3,283 |
| Average earning assets | $174,772,250 | 3,313 |
| Average equity | $20,741,000 | 3,133 |
| Average total loans | $124,848,250 | 3,405 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0027% | 2,172 |
| Cost of funding earning assets | 2.0060% | 3,742 |
| Net interest margin | 3.9968% | 2,710 |
| Noninterest income to average assets | 0.7577% | 2,658 |
| Noninterest expense to average assets | 2.9870% | 4,136 |
| Loan and lease loss provision to assets | 0.6103% | 2,610 |
| Net operating income to assets | 0.7968% | 2,867 |
| Return on assets (ROA) | 0.8510% | 2,751 |
| Pretax return on assets | 0.8510% | 3,507 |
| Return on Equity (ROE) | 7.5204% | 2,964 |
| Retained earnings to average equity (ytd only) | 1.6282% | 4,430 |
| Net charge-offs to loans | 0.5912% | 2,566 |
| Credit loss provision to net charge-offs | 157.7381% | 2,924 |
| Earnings coverage of net charge-offs (x) | 3.6369% | 3,362 |
| Efficiency ratio | 67.7673% | 5,194 |
| Assets per employee ($millions) | 3.4738% | 4,884 |
| Cash dividends to net income (ytd only)* | 78.3491% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 6,690 |
| Loan loss allowance to noncurrent loans | 22.3505% | 7,000 |
| Noncurrent assets plus other real estate owned to assets | 2.8702% | 2,231 |
| Noncurrent loans to loans | 4.1109% | 1,620 |
| Net loans and leases to total assets | 64.8234% | 4,804 |
| Net loans and leases to deposits | 77.1481% | 5,010 |
| Net loans and leases to core deposits | 105.5076% | 3,898 |
| Total domestic deposits to total assets | 84.0246% | 3,753 |
| Equity capital to assets | 11.0501% | 2,869 |
| Core capital (leverage) ratio | 9.9665% | 3,329 |
| Tier 1 risk-based capital ratio | 13.8812% | 3,589 |
| Total risk-based capital ratio | 14.7448% | 3,750 |
| Memoranda: | ||
| Average total assets | $173,685,330 | 3,573 |
| Average earning assets | $158,028,000 | 3,595 |
| Average equity | $19,653,330 | 3,299 |
| Average total loans | $113,659,330 | 3,683 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1333% | 1,818 |
| Cost of funding earning assets | 2.2140% | 3,099 |
| Net interest margin | 3.9193% | 2,977 |
| Noninterest income to average assets | 0.7607% | 2,535 |
| Noninterest expense to average assets | 3.0801% | 3,450 |
| Loan and lease loss provision to assets | 0.3489% | 3,225 |
| Net operating income to assets | 0.8980% | 2,710 |
| Return on assets (ROA) | 0.9259% | 2,728 |
| Pretax return on assets | 0.9259% | 3,617 |
| Return on Equity (ROE) | 8.0847% | 3,108 |
| Retained earnings to average equity (ytd only) | -1.0563% | 5,899 |
| Net charge-offs to loans | 0.4230% | 2,409 |
| Credit loss provision to net charge-offs | 126.0504% | 3,156 |
| Earnings coverage of net charge-offs (x) | 4.5042% | 2,871 |
| Efficiency ratio | 70.9677% | 4,379 |
| Assets per employee ($millions) | 3.1597% | 5,705 |
| Cash dividends to net income (ytd only)* | 113.0653% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 7,184 |
| Loan loss allowance to noncurrent loans | 41.4332% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 1.7184% | 3,344 |
| Noncurrent loans to loans | 1.9131% | 3,390 |
| Net loans and leases to total assets | 66.1638% | 4,552 |
| Net loans and leases to deposits | 80.0335% | 4,605 |
| Net loans and leases to core deposits | 114.0047% | 3,008 |
| Total domestic deposits to total assets | 82.6702% | 4,301 |
| Equity capital to assets | 11.4831% | 2,599 |
| Core capital (leverage) ratio | 10.0541% | 3,345 |
| Tier 1 risk-based capital ratio | 13.9969% | 3,589 |
| Total risk-based capital ratio | 14.7436% | 3,793 |
| Memoranda: | ||
| Average total assets | $171,945,000 | 3,622 |
| Average earning assets | $156,458,000 | 3,637 |
| Average equity | $19,691,500 | 3,304 |
| Average total loans | $112,534,000 | 3,730 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3661% | 3,601 |
| Cost of funding earning assets | 2.6564% | 3,391 |
| Net interest margin | 3.7097% | 4,431 |
| Noninterest income to average assets | 0.7408% | 2,836 |
| Noninterest expense to average assets | 2.9548% | 4,243 |
| Loan and lease loss provision to assets | 0.2690% | 4,248 |
| Net operating income to assets | 0.8753% | 3,111 |
| Return on assets (ROA) | 0.9364% | 2,704 |
| Pretax return on assets | 0.9407% | 3,585 |
| Return on Equity (ROE) | 7.9783% | 3,082 |
| Retained earnings to average equity (ytd only) | 2.1508% | 3,891 |
| Net charge-offs to loans | 0.5450% | 2,189 |
| Credit loss provision to net charge-offs | 74.8299% | 6,002 |
| Earnings coverage of net charge-offs (x) | 3.1956% | 4,488 |
| Efficiency ratio | 71.7116% | 3,994 |
| Assets per employee ($millions) | 3.3320% | 5,139 |
| Cash dividends to net income (ytd only)* | 73.0418% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 7,166 |
| Loan loss allowance to noncurrent loans | 29.5856% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 2.1349% | 2,302 |
| Noncurrent loans to loans | 2.6457% | 2,050 |
| Net loans and leases to total assets | 63.7192% | 5,335 |
| Net loans and leases to deposits | 77.2806% | 5,433 |
| Net loans and leases to core deposits | 105.4309% | 4,253 |
| Total domestic deposits to total assets | 82.4517% | 4,024 |
| Equity capital to assets | 11.4218% | 2,686 |
| Core capital (leverage) ratio | 10.3304% | 3,144 |
| Tier 1 risk-based capital ratio | 14.1768% | 3,461 |
| Total risk-based capital ratio | 14.9049% | 3,636 |
| Memoranda: | ||
| Average total assets | $163,598,400 | 3,653 |
| Average earning assets | $148,285,400 | 3,688 |
| Average equity | $19,202,000 | 3,362 |
| Average total loans | $107,886,800 | 3,741 |