Home > United Southern Bank > Performance and Condition Ratios
United Southern Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0234% | 2,032 |
| Cost of funding earning assets | 1.2291% | 2,733 |
| Net interest margin | 3.7943% | 1,572 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.5169% | 2,248 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.1390% | 1,809 |
| Return on assets (ROA) | 1.1390% | 1,786 |
| Pretax return on assets | 1.4831% | 1,464 |
| Return on Equity (ROE) | 11.9100% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.1844% | 968 |
| Net charge-offs to loans | 0.0089% | 2,326 |
| Credit loss provision to net charge-offs | 1,320.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 243.6000% | 509 |
| Efficiency ratio | 61.6136% | 2,888 |
| Assets per employee ($millions) | 4.9484% | 3,677 |
| Cash dividends to net income (ytd only)* | 14.4956% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 2,892 |
| Loan loss allowance to noncurrent loans | 470.0183% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 2,405 |
| Noncurrent loans to loans | 0.2319% | 2,382 |
| Net loans and leases to total assets | 72.5300% | 1,522 |
| Net loans and leases to deposits | 86.6017% | 1,570 |
| Net loans and leases to core deposits | 94.1869% | 1,761 |
| Total domestic deposits to total assets | 83.7500% | 2,690 |
| Equity capital to assets | 9.8873% | 2,073 |
| Core capital (leverage) ratio | 11.4545% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $310,698,200 | 2,372 |
| Average earning assets | $286,798,600 | 2,370 |
| Average equity | $29,712,200 | 2,272 |
| Average total loans | $225,216,200 | 2,132 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 2,249 |
| Cost of funding earning assets | 1.0651% | 2,846 |
| Net interest margin | 3.7402% | 1,703 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.5184% | 2,170 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1066% | 2,033 |
| Return on assets (ROA) | 1.1066% | 2,014 |
| Pretax return on assets | 1.4361% | 1,700 |
| Return on Equity (ROE) | 11.6800% | 2,206 |
| Retained earnings to average equity (ytd only) | 11.6750% | 1,027 |
| Net charge-offs to loans | 0.0198% | 1,725 |
| Credit loss provision to net charge-offs | 496.9697% | 637 |
| Earnings coverage of net charge-offs (x) | 105.4848% | 895 |
| Efficiency ratio | 62.5618% | 2,654 |
| Assets per employee ($millions) | 5.0000% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,056 |
| Loan loss allowance to noncurrent loans | 245.0648% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3559% | 1,605 |
| Noncurrent loans to loans | 0.4338% | 1,745 |
| Net loans and leases to total assets | 72.6300% | 1,506 |
| Net loans and leases to deposits | 88.0313% | 1,387 |
| Net loans and leases to core deposits | 95.9073% | 1,554 |
| Total domestic deposits to total assets | 82.5000% | 3,120 |
| Equity capital to assets | 9.3768% | 2,181 |
| Core capital (leverage) ratio | 11.2668% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $307,961,750 | 2,395 |
| Average earning assets | $283,541,250 | 2,392 |
| Average equity | $29,189,750 | 2,289 |
| Average total loans | $222,556,250 | 2,145 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 2,264 |
| Cost of funding earning assets | 0.8299% | 3,131 |
| Net interest margin | 3.8424% | 1,539 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.5810% | 1,974 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1276% | 2,042 |
| Return on assets (ROA) | 1.1276% | 2,040 |
| Pretax return on assets | 1.4639% | 1,665 |
| Return on Equity (ROE) | 11.8500% | 2,201 |
| Retained earnings to average equity (ytd only) | 11.8525% | 1,014 |
| Net charge-offs to loans | 0.0036% | 2,177 |
| Credit loss provision to net charge-offs | 1,875.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 578.0000% | 254 |
| Efficiency ratio | 63.0435% | 2,587 |
| Assets per employee ($millions) | 5.0409% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,242 |
| Loan loss allowance to noncurrent loans | 236.9565% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 1,466 |
| Noncurrent loans to loans | 0.4390% | 1,625 |
| Net loans and leases to total assets | 72.9900% | 1,413 |
| Net loans and leases to deposits | 88.0894% | 1,338 |
| Net loans and leases to core deposits | 93.4806% | 1,597 |
| Total domestic deposits to total assets | 82.8500% | 3,081 |
| Equity capital to assets | 9.5599% | 2,121 |
| Core capital (leverage) ratio | 11.1963% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $305,615,667 | 2,410 |
| Average earning assets | $281,227,667 | 2,414 |
| Average equity | $29,074,000 | 2,301 |
| Average total loans | $219,662,000 | 2,155 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 2,101 |
| Cost of funding earning assets | 0.6146% | 3,334 |
| Net interest margin | 3.9787% | 1,304 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.6609% | 1,768 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1252% | 2,141 |
| Return on assets (ROA) | 1.1252% | 2,109 |
| Pretax return on assets | 1.4681% | 1,737 |
| Return on Equity (ROE) | 11.8600% | 2,251 |
| Retained earnings to average equity (ytd only) | 11.8583% | 1,294 |
| Net charge-offs to loans | -0.0056% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.8298% | 2,482 |
| Assets per employee ($millions) | 4.8070% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0788% | 3,157 |
| Loan loss allowance to noncurrent loans | 241.5558% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3572% | 1,438 |
| Noncurrent loans to loans | 0.4466% | 1,603 |
| Net loans and leases to total assets | 70.3400% | 1,586 |
| Net loans and leases to deposits | 81.0384% | 1,745 |
| Net loans and leases to core deposits | 85.1059% | 1,922 |
| Total domestic deposits to total assets | 86.8000% | 2,339 |
| Equity capital to assets | 9.5563% | 2,098 |
| Core capital (leverage) ratio | 11.2537% | 1,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $302,156,500 | 2,461 |
| Average earning assets | $275,969,000 | 2,473 |
| Average equity | $28,672,000 | 2,349 |
| Average total loans | $214,242,500 | 2,213 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 2,077 |
| Cost of funding earning assets | 0.1659% | 4,023 |
| Net interest margin | 3.6998% | 1,377 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.5408% | 1,991 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1196% | 2,087 |
| Return on assets (ROA) | 1.1204% | 2,026 |
| Pretax return on assets | 1.4670% | 1,549 |
| Return on Equity (ROE) | 11.4600% | 2,317 |
| Retained earnings to average equity (ytd only) | 7.6803% | 1,961 |
| Net charge-offs to loans | 0.0027% | 2,405 |
| Credit loss provision to net charge-offs | 1,060.0000% | 410 |
| Earnings coverage of net charge-offs (x) | 860.0000% | 214 |
| Efficiency ratio | 63.1249% | 2,611 |
| Assets per employee ($millions) | 4.7089% | 3,884 |
| Cash dividends to net income (ytd only)* | 32.9636% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1096% | 2,853 |
| Loan loss allowance to noncurrent loans | 136.3210% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6172% | 803 |
| Noncurrent loans to loans | 0.8140% | 910 |
| Net loans and leases to total assets | 69.9100% | 1,649 |
| Net loans and leases to deposits | 80.4613% | 1,740 |
| Net loans and leases to core deposits | 82.2682% | 1,991 |
| Total domestic deposits to total assets | 86.8800% | 2,430 |
| Equity capital to assets | 9.4195% | 2,070 |
| Core capital (leverage) ratio | 11.5056% | 1,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $289,714,000 | 2,500 |
| Average earning assets | $267,687,400 | 2,505 |
| Average equity | $28,332,400 | 2,413 |
| Average total loans | $186,373,000 | 2,330 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 1,971 |
| Cost of funding earning assets | 0.1575% | 3,756 |
| Net interest margin | 3.5643% | 1,481 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.5353% | 1,906 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0587% | 2,259 |
| Return on assets (ROA) | 1.0598% | 2,218 |
| Pretax return on assets | 1.3635% | 1,836 |
| Return on Equity (ROE) | 10.7400% | 2,486 |
| Retained earnings to average equity (ytd only) | 8.5918% | 1,790 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.7588% | 2,442 |
| Assets per employee ($millions) | 4.4098% | 4,116 |
| Cash dividends to net income (ytd only)* | 19.9651% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 2,669 |
| Loan loss allowance to noncurrent loans | 131.1262% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 783 |
| Noncurrent loans to loans | 0.8961% | 874 |
| Net loans and leases to total assets | 69.0400% | 1,564 |
| Net loans and leases to deposits | 77.3247% | 1,774 |
| Net loans and leases to core deposits | 79.2690% | 1,953 |
| Total domestic deposits to total assets | 89.2900% | 1,965 |
| Equity capital to assets | 9.4182% | 1,935 |
| Core capital (leverage) ratio | 11.2841% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $287,977,000 | 2,531 |
| Average earning assets | $266,711,250 | 2,530 |
| Average equity | $28,429,500 | 2,439 |
| Average total loans | $180,537,250 | 2,371 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4801% | 2,194 |
| Cost of funding earning assets | 0.1575% | 3,486 |
| Net interest margin | 3.3225% | 1,843 |
| Noninterest income to average assets | 0.5699% | 1,868 |
| Noninterest expense to average assets | 2.4699% | 2,028 |
| Loan and lease loss provision to assets | 0.0159% | 2,315 |
| Net operating income to assets | 0.9052% | 2,561 |
| Return on assets (ROA) | 0.9052% | 2,534 |
| Pretax return on assets | 1.1687% | 2,177 |
| Return on Equity (ROE) | 9.0340% | 2,694 |
| Retained earnings to average equity (ytd only) | 5.8873% | 2,369 |
| Net charge-offs to loans | -0.0046% | 3,308 |
| Credit loss provision to net charge-offs | -575.0000% | 3,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5854% | 2,298 |
| Assets per employee ($millions) | 4.5216% | 4,058 |
| Cash dividends to net income (ytd only)* | 34.8323% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,389 |
| Loan loss allowance to noncurrent loans | 142.7245% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 927 |
| Noncurrent loans to loans | 0.8814% | 959 |
| Net loans and leases to total assets | 62.5225% | 2,065 |
| Net loans and leases to deposits | 70.0986% | 2,190 |
| Net loans and leases to core deposits | 72.2333% | 2,314 |
| Total domestic deposits to total assets | 89.1922% | 2,091 |
| Equity capital to assets | 9.5430% | 1,982 |
| Core capital (leverage) ratio | 10.8645% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,892,667 | 2,534 |
| Average earning assets | $269,131,667 | 2,544 |
| Average equity | $29,045,667 | 2,462 |
| Average total loans | $174,989,667 | 2,418 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3598% | 2,212 |
| Cost of funding earning assets | 0.1658% | 3,284 |
| Net interest margin | 3.1940% | 1,901 |
| Noninterest income to average assets | 0.5390% | 1,953 |
| Noninterest expense to average assets | 2.4332% | 2,066 |
| Loan and lease loss provision to assets | 0.0097% | 2,150 |
| Net operating income to assets | 0.8272% | 2,566 |
| Return on assets (ROA) | 0.8272% | 2,562 |
| Pretax return on assets | 1.0698% | 2,234 |
| Return on Equity (ROE) | 8.0644% | 2,666 |
| Retained earnings to average equity (ytd only) | 8.0644% | 1,564 |
| Net charge-offs to loans | 0.0023% | 1,728 |
| Credit loss provision to net charge-offs | 700.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 783.0000% | 122 |
| Efficiency ratio | 69.2700% | 2,330 |
| Assets per employee ($millions) | 4.7511% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 2,288 |
| Loan loss allowance to noncurrent loans | 138.6529% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 1,056 |
| Noncurrent loans to loans | 0.9473% | 963 |
| Net loans and leases to total assets | 57.3606% | 2,373 |
| Net loans and leases to deposits | 64.4037% | 2,489 |
| Net loans and leases to core deposits | 66.3716% | 2,603 |
| Total domestic deposits to total assets | 89.0641% | 2,052 |
| Equity capital to assets | 9.6406% | 2,181 |
| Core capital (leverage) ratio | 10.6478% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,147,000 | 2,546 |
| Average earning assets | $270,134,500 | 2,556 |
| Average equity | $29,760,500 | 2,493 |
| Average total loans | $170,867,000 | 2,450 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7360% | 2,018 |
| Cost of funding earning assets | 0.2339% | 3,094 |
| Net interest margin | 3.5021% | 1,726 |
| Noninterest income to average assets | 0.5780% | 2,247 |
| Noninterest expense to average assets | 2.5757% | 1,935 |
| Loan and lease loss provision to assets | 0.0111% | 2,860 |
| Net operating income to assets | 0.9816% | 2,747 |
| Return on assets (ROA) | 0.9807% | 2,822 |
| Pretax return on assets | 1.2462% | 2,532 |
| Return on Equity (ROE) | 8.8154% | 2,979 |
| Retained earnings to average equity (ytd only) | 7.1301% | 1,869 |
| Net charge-offs to loans | -0.0207% | 3,997 |
| Credit loss provision to net charge-offs | -90.9091% | 3,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1779% | 2,096 |
| Assets per employee ($millions) | 4.3903% | 4,197 |
| Cash dividends to net income (ytd only)* | 19.1176% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3585% | 2,098 |
| Loan loss allowance to noncurrent loans | 134.7723% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 1,058 |
| Noncurrent loans to loans | 1.0080% | 978 |
| Net loans and leases to total assets | 58.8945% | 2,281 |
| Net loans and leases to deposits | 67.1199% | 2,391 |
| Net loans and leases to core deposits | 69.4145% | 2,512 |
| Total domestic deposits to total assets | 87.7453% | 2,175 |
| Equity capital to assets | 10.9137% | 1,845 |
| Core capital (leverage) ratio | 10.9062% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,413,800 | 2,600 |
| Average earning assets | $251,417,600 | 2,608 |
| Average equity | $30,083,600 | 2,528 |
| Average total loans | $159,078,200 | 2,552 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 1,935 |
| Cost of funding earning assets | 0.2487% | 3,140 |
| Net interest margin | 3.5909% | 1,620 |
| Noninterest income to average assets | 0.5681% | 2,341 |
| Noninterest expense to average assets | 2.5817% | 1,892 |
| Loan and lease loss provision to assets | 0.0149% | 2,698 |
| Net operating income to assets | 0.9965% | 2,923 |
| Return on assets (ROA) | 0.9953% | 3,000 |
| Pretax return on assets | 1.3125% | 2,592 |
| Return on Equity (ROE) | 8.9025% | 3,138 |
| Retained earnings to average equity (ytd only) | 8.9025% | 1,734 |
| Net charge-offs to loans | -0.0297% | 4,130 |
| Credit loss provision to net charge-offs | -85.7143% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0173% | 2,098 |
| Assets per employee ($millions) | 4.3672% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,926 |
| Loan loss allowance to noncurrent loans | 85.6875% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 678 |
| Noncurrent loans to loans | 1.6609% | 610 |
| Net loans and leases to total assets | 57.4238% | 2,570 |
| Net loans and leases to deposits | 65.7898% | 2,648 |
| Net loans and leases to core deposits | 68.2965% | 2,752 |
| Total domestic deposits to total assets | 87.2837% | 2,224 |
| Equity capital to assets | 11.2047% | 1,889 |
| Core capital (leverage) ratio | 11.0323% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9387% | 973 |
| Memoranda: | ||
| Average total assets | $267,773,000 | 2,638 |
| Average earning assets | $249,251,250 | 2,646 |
| Average equity | $29,938,250 | 2,575 |
| Average total loans | $156,908,000 | 2,607 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 3,012 |
| Cost of funding earning assets | 0.2644% | 3,146 |
| Net interest margin | 3.1932% | 2,776 |
| Noninterest income to average assets | 1.1134% | 912 |
| Noninterest expense to average assets | 2.6022% | 1,843 |
| Loan and lease loss provision to assets | 0.0226% | 2,519 |
| Net operating income to assets | 1.1114% | 2,503 |
| Return on assets (ROA) | 1.1096% | 2,572 |
| Pretax return on assets | 1.4541% | 2,156 |
| Return on Equity (ROE) | 9.9320% | 2,766 |
| Retained earnings to average equity (ytd only) | 9.9320% | 1,413 |
| Net charge-offs to loans | -0.0436% | 4,306 |
| Credit loss provision to net charge-offs | -88.2353% | 3,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7606% | 2,461 |
| Assets per employee ($millions) | 4.5725% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,831 |
| Loan loss allowance to noncurrent loans | 76.6387% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1015% | 667 |
| Noncurrent loans to loans | 1.8729% | 540 |
| Net loans and leases to total assets | 57.0661% | 2,780 |
| Net loans and leases to deposits | 65.5378% | 2,863 |
| Net loans and leases to core deposits | 67.6139% | 2,987 |
| Total domestic deposits to total assets | 87.0735% | 2,276 |
| Equity capital to assets | 11.0500% | 1,945 |
| Core capital (leverage) ratio | 10.8652% | 1,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,319,000 | 2,647 |
| Average earning assets | $246,588,667 | 2,647 |
| Average equity | $29,641,667 | 2,585 |
| Average total loans | $155,786,000 | 2,630 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 2,656 |
| Cost of funding earning assets | 0.2893% | 3,108 |
| Net interest margin | 3.3046% | 2,378 |
| Noninterest income to average assets | 0.8850% | 1,371 |
| Noninterest expense to average assets | 2.5997% | 1,887 |
| Loan and lease loss provision to assets | 0.0230% | 2,483 |
| Net operating income to assets | 1.0067% | 2,789 |
| Return on assets (ROA) | 1.0031% | 2,888 |
| Pretax return on assets | 1.3236% | 2,504 |
| Return on Equity (ROE) | 8.9270% | 3,055 |
| Retained earnings to average equity (ytd only) | 8.9270% | 1,970 |
| Net charge-offs to loans | -0.0596% | 4,467 |
| Credit loss provision to net charge-offs | -65.2174% | 2,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7997% | 2,260 |
| Assets per employee ($millions) | 4.3103% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 1,676 |
| Loan loss allowance to noncurrent loans | 105.3246% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 969 |
| Noncurrent loans to loans | 1.4046% | 900 |
| Net loans and leases to total assets | 56.1952% | 3,012 |
| Net loans and leases to deposits | 64.5864% | 3,074 |
| Net loans and leases to core deposits | 67.5126% | 3,102 |
| Total domestic deposits to total assets | 87.0078% | 2,308 |
| Equity capital to assets | 11.0145% | 1,845 |
| Core capital (leverage) ratio | 11.1880% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,802,500 | 2,665 |
| Average earning assets | $241,963,000 | 2,668 |
| Average equity | $29,304,500 | 2,599 |
| Average total loans | $154,258,000 | 2,650 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,033 |
| Cost of funding earning assets | 0.5005% | 2,942 |
| Net interest margin | 3.7385% | 1,674 |
| Noninterest income to average assets | 0.6260% | 2,117 |
| Noninterest expense to average assets | 2.9260% | 1,613 |
| Loan and lease loss provision to assets | 0.0190% | 4,150 |
| Net operating income to assets | 0.9073% | 2,661 |
| Return on assets (ROA) | 0.9073% | 2,797 |
| Pretax return on assets | 1.1280% | 2,597 |
| Return on Equity (ROE) | 7.5459% | 2,980 |
| Retained earnings to average equity (ytd only) | 3.4124% | 3,116 |
| Net charge-offs to loans | 0.0362% | 2,329 |
| Credit loss provision to net charge-offs | 78.9474% | 2,994 |
| Earnings coverage of net charge-offs (x) | 47.5789% | 1,245 |
| Efficiency ratio | 71.8380% | 1,698 |
| Assets per employee ($millions) | 4.1027% | 4,291 |
| Cash dividends to net income (ytd only)* | 54.7786% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 1,892 |
| Loan loss allowance to noncurrent loans | 83.3647% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 1.1413% | 784 |
| Noncurrent loans to loans | 1.7023% | 746 |
| Net loans and leases to total assets | 60.4917% | 2,792 |
| Net loans and leases to deposits | 70.0448% | 2,875 |
| Net loans and leases to core deposits | 73.0378% | 2,998 |
| Total domestic deposits to total assets | 86.3614% | 2,203 |
| Equity capital to assets | 11.4693% | 1,907 |
| Core capital (leverage) ratio | 11.2388% | 1,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,428,600 | 2,682 |
| Average earning assets | $218,003,000 | 2,685 |
| Average equity | $28,426,000 | 2,576 |
| Average total loans | $157,477,600 | 2,586 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 1,865 |
| Cost of funding earning assets | 0.5473% | 2,950 |
| Net interest margin | 3.8453% | 1,487 |
| Noninterest income to average assets | 0.6461% | 1,997 |
| Noninterest expense to average assets | 3.0098% | 1,424 |
| Loan and lease loss provision to assets | 0.0431% | 3,816 |
| Net operating income to assets | 0.9423% | 2,554 |
| Return on assets (ROA) | 0.9427% | 2,680 |
| Pretax return on assets | 1.1399% | 2,604 |
| Return on Equity (ROE) | 7.7432% | 2,905 |
| Retained earnings to average equity (ytd only) | 4.1407% | 2,971 |
| Net charge-offs to loans | 0.0549% | 1,820 |
| Credit loss provision to net charge-offs | 115.3846% | 2,515 |
| Earnings coverage of net charge-offs (x) | 31.6462% | 1,534 |
| Efficiency ratio | 71.7949% | 1,666 |
| Assets per employee ($millions) | 3.8307% | 4,451 |
| Cash dividends to net income (ytd only)* | 46.5244% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,499 |
| Loan loss allowance to noncurrent loans | 80.4887% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2551% | 771 |
| Noncurrent loans to loans | 1.8147% | 732 |
| Net loans and leases to total assets | 62.6187% | 2,932 |
| Net loans and leases to deposits | 73.1921% | 3,021 |
| Net loans and leases to core deposits | 77.0335% | 3,093 |
| Total domestic deposits to total assets | 85.5538% | 2,236 |
| Equity capital to assets | 12.0508% | 1,644 |
| Core capital (leverage) ratio | 11.7349% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,944,000 | 2,690 |
| Average earning assets | $213,899,500 | 2,703 |
| Average equity | $28,239,000 | 2,579 |
| Average total loans | $157,825,500 | 2,593 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 1,786 |
| Cost of funding earning assets | 0.5943% | 2,997 |
| Net interest margin | 3.9531% | 1,438 |
| Noninterest income to average assets | 0.6905% | 1,777 |
| Noninterest expense to average assets | 3.0505% | 1,460 |
| Loan and lease loss provision to assets | 0.0393% | 3,786 |
| Net operating income to assets | 1.0339% | 2,211 |
| Return on assets (ROA) | 0.9991% | 2,454 |
| Pretax return on assets | 1.2097% | 2,331 |
| Return on Equity (ROE) | 8.1766% | 2,675 |
| Retained earnings to average equity (ytd only) | 2.7184% | 3,495 |
| Net charge-offs to loans | -0.0075% | 4,125 |
| Credit loss provision to net charge-offs | -750.0000% | 3,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2637% | 1,920 |
| Assets per employee ($millions) | 3.7662% | 4,495 |
| Cash dividends to net income (ytd only)* | 66.7542% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4538% | 1,392 |
| Loan loss allowance to noncurrent loans | 77.5247% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 773 |
| Noncurrent loans to loans | 1.8752% | 735 |
| Net loans and leases to total assets | 64.1195% | 2,864 |
| Net loans and leases to deposits | 75.2269% | 2,949 |
| Net loans and leases to core deposits | 79.2315% | 3,004 |
| Total domestic deposits to total assets | 85.2348% | 2,291 |
| Equity capital to assets | 11.8545% | 1,755 |
| Core capital (leverage) ratio | 11.8428% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,813,000 | 2,688 |
| Average earning assets | $211,326,333 | 2,704 |
| Average equity | $27,957,667 | 2,587 |
| Average total loans | $159,313,333 | 2,570 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 1,301 |
| Cost of funding earning assets | 0.6513% | 3,163 |
| Net interest margin | 4.2032% | 917 |
| Noninterest income to average assets | 0.6251% | 1,931 |
| Noninterest expense to average assets | 3.2241% | 1,376 |
| Loan and lease loss provision to assets | 0.0269% | 3,454 |
| Net operating income to assets | 1.0220% | 2,107 |
| Return on assets (ROA) | 1.0220% | 2,207 |
| Pretax return on assets | 1.2339% | 2,088 |
| Return on Equity (ROE) | 8.2316% | 2,416 |
| Retained earnings to average equity (ytd only) | -2.8066% | 4,331 |
| Net charge-offs to loans | -0.0050% | 3,866 |
| Credit loss provision to net charge-offs | -750.0000% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8863% | 2,094 |
| Assets per employee ($millions) | 3.5323% | 4,455 |
| Cash dividends to net income (ytd only)* | 134.0949% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 1,665 |
| Loan loss allowance to noncurrent loans | 82.0241% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.3195% | 882 |
| Noncurrent loans to loans | 1.7168% | 884 |
| Net loans and leases to total assets | 69.5268% | 2,322 |
| Net loans and leases to deposits | 81.9777% | 2,459 |
| Net loans and leases to core deposits | 87.0178% | 2,596 |
| Total domestic deposits to total assets | 84.8118% | 2,483 |
| Equity capital to assets | 12.2041% | 1,919 |
| Core capital (leverage) ratio | 12.0728% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,700,000 | 2,692 |
| Average earning assets | $204,512,000 | 2,706 |
| Average equity | $27,649,500 | 2,597 |
| Average total loans | $160,553,500 | 2,537 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 1,578 |
| Cost of funding earning assets | 0.6718% | 3,306 |
| Net interest margin | 4.2914% | 1,107 |
| Noninterest income to average assets | 0.6748% | 1,902 |
| Noninterest expense to average assets | 3.3751% | 1,159 |
| Loan and lease loss provision to assets | -0.4476% | 5,161 |
| Net operating income to assets | 1.6601% | 724 |
| Return on assets (ROA) | 1.6601% | 772 |
| Pretax return on assets | 1.6896% | 1,215 |
| Return on Equity (ROE) | 14.3027% | 841 |
| Retained earnings to average equity (ytd only) | 12.7248% | 183 |
| Net charge-offs to loans | -0.3263% | 5,093 |
| Credit loss provision to net charge-offs | 186.5530% | 1,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1004% | 1,715 |
| Assets per employee ($millions) | 3.3744% | 4,592 |
| Cash dividends to net income (ytd only)* | 11.0320% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 1,597 |
| Loan loss allowance to noncurrent loans | 75.2532% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.6855% | 551 |
| Noncurrent loans to loans | 1.8319% | 731 |
| Net loans and leases to total assets | 72.7003% | 1,970 |
| Net loans and leases to deposits | 86.3424% | 2,046 |
| Net loans and leases to core deposits | 92.0908% | 2,228 |
| Total domestic deposits to total assets | 84.2000% | 2,788 |
| Equity capital to assets | 12.6336% | 1,747 |
| Core capital (leverage) ratio | 12.5809% | 1,443 |
| Tier 1 risk-based capital ratio | 15.9105% | 2,436 |
| Total risk-based capital ratio | 17.1604% | 2,382 |
| Memoranda: | ||
| Average total assets | $220,051,800 | 2,658 |
| Average earning assets | $202,147,600 | 2,691 |
| Average equity | $25,540,600 | 2,677 |
| Average total loans | $161,801,000 | 2,491 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9934% | 1,558 |
| Cost of funding earning assets | 0.6578% | 3,411 |
| Net interest margin | 4.3356% | 1,085 |
| Noninterest income to average assets | 0.6877% | 1,836 |
| Noninterest expense to average assets | 3.4072% | 1,078 |
| Loan and lease loss provision to assets | 0.0091% | 3,709 |
| Net operating income to assets | 1.2471% | 2,026 |
| Return on assets (ROA) | 1.2471% | 2,103 |
| Pretax return on assets | 1.2574% | 2,789 |
| Return on Equity (ROE) | 10.9872% | 2,020 |
| Retained earnings to average equity (ytd only) | 10.9872% | 530 |
| Net charge-offs to loans | -0.4391% | 5,181 |
| Credit loss provision to net charge-offs | -2.8143% | 3,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9016% | 1,715 |
| Assets per employee ($millions) | 3.3598% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9830% | 485 |
| Loan loss allowance to noncurrent loans | 109.2599% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.7794% | 562 |
| Noncurrent loans to loans | 1.8150% | 786 |
| Net loans and leases to total assets | 73.1714% | 1,967 |
| Net loans and leases to deposits | 89.3301% | 1,774 |
| Net loans and leases to core deposits | 95.0166% | 2,083 |
| Total domestic deposits to total assets | 81.9113% | 3,494 |
| Equity capital to assets | 12.1846% | 2,125 |
| Core capital (leverage) ratio | 12.0959% | 1,793 |
| Tier 1 risk-based capital ratio | 15.1467% | 2,784 |
| Total risk-based capital ratio | 16.4040% | 2,709 |
| Memoranda: | ||
| Average total assets | $220,230,750 | 2,683 |
| Average earning assets | $202,475,500 | 2,705 |
| Average equity | $24,998,250 | 2,733 |
| Average total loans | $161,829,500 | 2,518 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 1,635 |
| Cost of funding earning assets | 0.6394% | 3,467 |
| Net interest margin | 4.3018% | 1,142 |
| Noninterest income to average assets | 0.5841% | 2,224 |
| Noninterest expense to average assets | 3.2032% | 1,500 |
| Loan and lease loss provision to assets | 0.0136% | 3,501 |
| Net operating income to assets | 1.0867% | 2,575 |
| Return on assets (ROA) | 1.0867% | 2,641 |
| Pretax return on assets | 1.3159% | 2,499 |
| Return on Equity (ROE) | 9.8115% | 2,478 |
| Retained earnings to average equity (ytd only) | 9.8115% | 815 |
| Net charge-offs to loans | -0.6653% | 5,242 |
| Credit loss provision to net charge-offs | -2.7933% | 3,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6693% | 2,126 |
| Assets per employee ($millions) | 3.4236% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0040% | 474 |
| Loan loss allowance to noncurrent loans | 105.6117% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.8411% | 533 |
| Noncurrent loans to loans | 1.8975% | 780 |
| Net loans and leases to total assets | 72.2430% | 2,178 |
| Net loans and leases to deposits | 84.9790% | 2,369 |
| Net loans and leases to core deposits | 90.8769% | 2,527 |
| Total domestic deposits to total assets | 85.0127% | 2,471 |
| Equity capital to assets | 11.6822% | 2,463 |
| Core capital (leverage) ratio | 11.7063% | 2,016 |
| Tier 1 risk-based capital ratio | 15.0239% | 2,832 |
| Total risk-based capital ratio | 16.2819% | 2,749 |
| Memoranda: | ||
| Average total assets | $220,844,330 | 2,681 |
| Average earning assets | $202,704,670 | 2,711 |
| Average equity | $24,461,000 | 2,772 |
| Average total loans | $161,428,670 | 2,519 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 1,331 |
| Cost of funding earning assets | 0.6051% | 3,542 |
| Net interest margin | 4.3990% | 906 |
| Noninterest income to average assets | 0.5521% | 2,278 |
| Noninterest expense to average assets | 3.1825% | 1,535 |
| Loan and lease loss provision to assets | 0.0271% | 3,065 |
| Net operating income to assets | 1.1420% | 2,306 |
| Return on assets (ROA) | 1.1420% | 2,353 |
| Pretax return on assets | 1.3820% | 2,148 |
| Return on Equity (ROE) | 10.5972% | 2,121 |
| Retained earnings to average equity (ytd only) | 10.5972% | 905 |
| Net charge-offs to loans | -0.4759% | 5,265 |
| Credit loss provision to net charge-offs | -7.8125% | 3,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3124% | 2,456 |
| Assets per employee ($millions) | 3.4364% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 689 |
| Loan loss allowance to noncurrent loans | 118.3790% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.5514% | 755 |
| Noncurrent loans to loans | 1.5353% | 1,046 |
| Net loans and leases to total assets | 71.0344% | 2,321 |
| Net loans and leases to deposits | 83.8865% | 2,401 |
| Net loans and leases to core deposits | 90.2900% | 2,470 |
| Total domestic deposits to total assets | 84.6792% | 2,788 |
| Equity capital to assets | 11.1676% | 2,689 |
| Core capital (leverage) ratio | 11.2281% | 2,367 |
| Tier 1 risk-based capital ratio | 14.6304% | 3,047 |
| Total risk-based capital ratio | 15.8860% | 2,964 |
| Memoranda: | ||
| Average total assets | $221,710,500 | 2,710 |
| Average earning assets | $203,590,000 | 2,728 |
| Average equity | $23,893,000 | 2,815 |
| Average total loans | $161,378,000 | 2,552 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6184% | 2,089 |
| Cost of funding earning assets | 0.4809% | 3,471 |
| Net interest margin | 4.1375% | 1,569 |
| Noninterest income to average assets | 0.5953% | 2,320 |
| Noninterest expense to average assets | 3.2643% | 1,408 |
| Loan and lease loss provision to assets | -0.2845% | 5,358 |
| Net operating income to assets | 1.1123% | 2,544 |
| Return on assets (ROA) | 1.1123% | 2,548 |
| Pretax return on assets | 1.3730% | 2,229 |
| Return on Equity (ROE) | 10.4588% | 2,314 |
| Retained earnings to average equity (ytd only) | -3.4792% | 5,199 |
| Net charge-offs to loans | 0.3258% | 593 |
| Credit loss provision to net charge-offs | -121.8810% | 4,414 |
| Earnings coverage of net charge-offs (x) | 4.6641% | 3,267 |
| Efficiency ratio | 74.9923% | 1,498 |
| Assets per employee ($millions) | 3.4920% | 4,554 |
| Cash dividends to net income (ytd only)* | 133.2662% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6408% | 939 |
| Loan loss allowance to noncurrent loans | 100.0373% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 677 |
| Noncurrent loans to loans | 1.6402% | 892 |
| Net loans and leases to total assets | 72.0177% | 2,254 |
| Net loans and leases to deposits | 85.3722% | 2,363 |
| Net loans and leases to core deposits | 91.9416% | 2,410 |
| Total domestic deposits to total assets | 84.3573% | 2,887 |
| Equity capital to assets | 10.3919% | 3,293 |
| Core capital (leverage) ratio | 10.8138% | 2,725 |
| Tier 1 risk-based capital ratio | 13.9598% | 3,305 |
| Total risk-based capital ratio | 15.2135% | 3,227 |
| Memoranda: | ||
| Average total assets | $223,234,200 | 2,669 |
| Average earning assets | $202,733,000 | 2,701 |
| Average equity | $23,740,800 | 2,750 |
| Average total loans | $159,920,400 | 2,529 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 2,001 |
| Cost of funding earning assets | 0.4452% | 3,556 |
| Net interest margin | 4.1462% | 1,504 |
| Noninterest income to average assets | 0.5658% | 2,492 |
| Noninterest expense to average assets | 3.2805% | 1,340 |
| Loan and lease loss provision to assets | -0.2300% | 5,415 |
| Net operating income to assets | 1.0467% | 2,880 |
| Return on assets (ROA) | 1.0467% | 2,892 |
| Pretax return on assets | 1.2654% | 2,744 |
| Return on Equity (ROE) | 9.7862% | 2,711 |
| Retained earnings to average equity (ytd only) | -6.7141% | 5,347 |
| Net charge-offs to loans | 0.5367% | 280 |
| Credit loss provision to net charge-offs | -60.1563% | 4,185 |
| Earnings coverage of net charge-offs (x) | 2.7078% | 3,221 |
| Efficiency ratio | 76.0105% | 1,349 |
| Assets per employee ($millions) | 3.4733% | 4,598 |
| Cash dividends to net income (ytd only)* | 168.6075% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7671% | 774 |
| Loan loss allowance to noncurrent loans | 116.1237% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.8782% | 599 |
| Noncurrent loans to loans | 1.5217% | 1,065 |
| Net loans and leases to total assets | 70.4233% | 2,580 |
| Net loans and leases to deposits | 84.0943% | 2,589 |
| Net loans and leases to core deposits | 90.0853% | 2,657 |
| Total domestic deposits to total assets | 83.7433% | 3,032 |
| Equity capital to assets | 10.1305% | 3,511 |
| Core capital (leverage) ratio | 10.7349% | 2,854 |
| Tier 1 risk-based capital ratio | 13.5029% | 3,626 |
| Total risk-based capital ratio | 14.7572% | 3,538 |
| Memoranda: | ||
| Average total assets | $223,170,000 | 2,684 |
| Average earning assets | $201,851,750 | 2,720 |
| Average equity | $23,869,750 | 2,749 |
| Average total loans | $158,991,000 | 2,548 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5340% | 1,986 |
| Cost of funding earning assets | 0.4251% | 3,537 |
| Net interest margin | 4.1089% | 1,528 |
| Noninterest income to average assets | 0.5594% | 2,520 |
| Noninterest expense to average assets | 3.2703% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8332% | 3,744 |
| Return on assets (ROA) | 0.8332% | 3,747 |
| Pretax return on assets | 1.0087% | 3,634 |
| Return on Equity (ROE) | 7.6563% | 3,646 |
| Retained earnings to average equity (ytd only) | 2.9359% | 4,077 |
| Net charge-offs to loans | 0.8170% | 163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.7365% | 3,031 |
| Efficiency ratio | 76.4275% | 1,376 |
| Assets per employee ($millions) | 3.4781% | 4,623 |
| Cash dividends to net income (ytd only)* | 61.6541% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 462 |
| Loan loss allowance to noncurrent loans | 135.9455% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.8779% | 594 |
| Noncurrent loans to loans | 1.5201% | 1,100 |
| Net loans and leases to total assets | 69.0355% | 2,719 |
| Net loans and leases to deposits | 80.2317% | 2,923 |
| Net loans and leases to core deposits | 86.5029% | 2,879 |
| Total domestic deposits to total assets | 86.0452% | 2,254 |
| Equity capital to assets | 11.0938% | 2,546 |
| Core capital (leverage) ratio | 11.4154% | 2,145 |
| Tier 1 risk-based capital ratio | 15.2426% | 2,763 |
| Total risk-based capital ratio | 16.5009% | 2,686 |
| Memoranda: | ||
| Average total assets | $223,463,330 | 2,696 |
| Average earning assets | $202,293,670 | 2,735 |
| Average equity | $24,320,000 | 2,723 |
| Average total loans | $158,868,000 | 2,558 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 1,764 |
| Cost of funding earning assets | 0.4162% | 3,471 |
| Net interest margin | 4.1167% | 1,394 |
| Noninterest income to average assets | 0.5655% | 2,442 |
| Noninterest expense to average assets | 3.2176% | 1,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8953% | 3,317 |
| Return on assets (ROA) | 0.8953% | 3,323 |
| Pretax return on assets | 1.0832% | 3,235 |
| Return on Equity (ROE) | 8.3040% | 3,244 |
| Retained earnings to average equity (ytd only) | 1.9404% | 4,368 |
| Net charge-offs to loans | 0.1267% | 1,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 11.9804% | 1,822 |
| Efficiency ratio | 74.8145% | 1,776 |
| Assets per employee ($millions) | 3.4481% | 4,733 |
| Cash dividends to net income (ytd only)* | 76.6337% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4219% | 276 |
| Loan loss allowance to noncurrent loans | 241.5551% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6331% | 822 |
| Noncurrent loans to loans | 1.0026% | 1,823 |
| Net loans and leases to total assets | 69.1954% | 2,602 |
| Net loans and leases to deposits | 79.3452% | 2,882 |
| Net loans and leases to core deposits | 84.7650% | 2,914 |
| Total domestic deposits to total assets | 87.2081% | 2,039 |
| Equity capital to assets | 10.9227% | 2,657 |
| Core capital (leverage) ratio | 11.0874% | 2,343 |
| Tier 1 risk-based capital ratio | 14.8992% | 2,922 |
| Total risk-based capital ratio | 16.1618% | 2,838 |
| Memoranda: | ||
| Average total assets | $225,634,000 | 2,701 |
| Average earning assets | $204,726,500 | 2,742 |
| Average equity | $24,325,500 | 2,739 |
| Average total loans | $161,070,000 | 2,559 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 2,056 |
| Cost of funding earning assets | 0.4232% | 3,023 |
| Net interest margin | 3.9663% | 1,860 |
| Noninterest income to average assets | 0.5620% | 2,645 |
| Noninterest expense to average assets | 3.3047% | 1,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3830% | 4,748 |
| Return on assets (ROA) | 0.3847% | 4,753 |
| Pretax return on assets | 0.8493% | 4,097 |
| Return on Equity (ROE) | 3.6492% | 4,628 |
| Retained earnings to average equity (ytd only) | 0.2717% | 4,918 |
| Net charge-offs to loans | 0.0559% | 2,691 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 21.3011% | 1,913 |
| Efficiency ratio | 79.6047% | 1,144 |
| Assets per employee ($millions) | 3.5475% | 4,638 |
| Cash dividends to net income (ytd only)* | 92.5556% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3187% | 304 |
| Loan loss allowance to noncurrent loans | 164.1453% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.8669% | 638 |
| Noncurrent loans to loans | 1.4126% | 1,215 |
| Net loans and leases to total assets | 70.1722% | 2,498 |
| Net loans and leases to deposits | 84.2151% | 2,469 |
| Net loans and leases to core deposits | 91.4739% | 2,417 |
| Total domestic deposits to total assets | 83.3249% | 3,454 |
| Equity capital to assets | 10.6453% | 2,998 |
| Core capital (leverage) ratio | 10.9073% | 2,418 |
| Tier 1 risk-based capital ratio | 14.4620% | 3,109 |
| Total risk-based capital ratio | 15.7255% | 3,021 |
| Memoranda: | ||
| Average total assets | $233,966,800 | 2,611 |
| Average earning assets | $211,732,000 | 2,646 |
| Average equity | $24,663,000 | 2,697 |
| Average total loans | $166,381,400 | 2,460 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 2,104 |
| Cost of funding earning assets | 0.4218% | 2,973 |
| Net interest margin | 3.9302% | 1,930 |
| Noninterest income to average assets | 0.5599% | 2,669 |
| Noninterest expense to average assets | 3.3853% | 1,182 |
| Loan and lease loss provision to assets | 0.1136% | 1,896 |
| Net operating income to assets | 0.4648% | 4,837 |
| Return on assets (ROA) | 0.4673% | 4,864 |
| Pretax return on assets | 0.6201% | 4,802 |
| Return on Equity (ROE) | 4.4440% | 4,730 |
| Retained earnings to average equity (ytd only) | 0.9612% | 4,986 |
| Net charge-offs to loans | -0.0016% | 4,299 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2572% | 894 |
| Assets per employee ($millions) | 3.3070% | 4,962 |
| Cash dividends to net income (ytd only)* | 78.3717% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5210% | 255 |
| Loan loss allowance to noncurrent loans | 153.1852% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 1.9577% | 672 |
| Noncurrent loans to loans | 1.6457% | 1,117 |
| Net loans and leases to total assets | 70.0872% | 2,543 |
| Net loans and leases to deposits | 84.6473% | 2,476 |
| Net loans and leases to core deposits | 92.1630% | 2,419 |
| Total domestic deposits to total assets | 82.7991% | 3,524 |
| Equity capital to assets | 10.9734% | 2,886 |
| Core capital (leverage) ratio | 10.8036% | 2,641 |
| Tier 1 risk-based capital ratio | 14.4746% | 3,200 |
| Total risk-based capital ratio | 15.7402% | 3,102 |
| Memoranda: | ||
| Average total assets | $234,811,000 | 2,628 |
| Average earning assets | $212,436,000 | 2,662 |
| Average equity | $24,692,000 | 2,718 |
| Average total loans | $166,564,000 | 2,476 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 2,044 |
| Cost of funding earning assets | 0.4260% | 2,839 |
| Net interest margin | 3.9011% | 1,925 |
| Noninterest income to average assets | 0.5476% | 2,729 |
| Noninterest expense to average assets | 3.1018% | 1,837 |
| Loan and lease loss provision to assets | 0.1688% | 1,163 |
| Net operating income to assets | 0.5987% | 4,312 |
| Return on assets (ROA) | 0.5999% | 4,349 |
| Pretax return on assets | 0.8025% | 4,267 |
| Return on Equity (ROE) | 5.7861% | 4,137 |
| Retained earnings to average equity (ytd only) | 2.0508% | 4,436 |
| Net charge-offs to loans | 0.0048% | 3,307 |
| Credit loss provision to net charge-offs | 5,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 287.2500% | 294 |
| Efficiency ratio | 76.1865% | 1,695 |
| Assets per employee ($millions) | 3.6304% | 4,530 |
| Cash dividends to net income (ytd only)* | 64.5570% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5656% | 265 |
| Loan loss allowance to noncurrent loans | 139.5742% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.3278% | 1,223 |
| Noncurrent loans to loans | 1.8381% | 964 |
| Net loans and leases to total assets | 68.5770% | 2,728 |
| Net loans and leases to deposits | 79.8497% | 2,925 |
| Net loans and leases to core deposits | 87.4453% | 2,751 |
| Total domestic deposits to total assets | 85.8826% | 2,423 |
| Equity capital to assets | 10.9917% | 2,815 |
| Core capital (leverage) ratio | 10.6639% | 2,746 |
| Tier 1 risk-based capital ratio | 14.6352% | 3,093 |
| Total risk-based capital ratio | 15.9013% | 3,009 |
| Memoranda: | ||
| Average total assets | $237,021,330 | 2,622 |
| Average earning assets | $214,094,330 | 2,666 |
| Average equity | $24,576,330 | 2,730 |
| Average total loans | $167,398,330 | 2,472 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 2,320 |
| Cost of funding earning assets | 0.4263% | 2,757 |
| Net interest margin | 3.7593% | 2,263 |
| Noninterest income to average assets | 0.5357% | 2,732 |
| Noninterest expense to average assets | 3.1994% | 1,612 |
| Loan and lease loss provision to assets | 0.2073% | 788 |
| Net operating income to assets | 0.3890% | 4,974 |
| Return on assets (ROA) | 0.3914% | 4,992 |
| Pretax return on assets | 0.5258% | 4,912 |
| Return on Equity (ROE) | 3.8857% | 4,824 |
| Retained earnings to average equity (ytd only) | -0.5763% | 5,010 |
| Net charge-offs to loans | 0.0961% | 1,402 |
| Credit loss provision to net charge-offs | 304.8780% | 774 |
| Earnings coverage of net charge-offs (x) | 10.7317% | 1,921 |
| Efficiency ratio | 81.4268% | 1,215 |
| Assets per employee ($millions) | 3.6804% | 4,536 |
| Cash dividends to net income (ytd only)* | 114.8305% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4020% | 355 |
| Loan loss allowance to noncurrent loans | 100.8281% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.6918% | 887 |
| Noncurrent loans to loans | 2.3823% | 682 |
| Net loans and leases to total assets | 69.3107% | 2,489 |
| Net loans and leases to deposits | 82.7310% | 2,428 |
| Net loans and leases to core deposits | 90.8943% | 2,280 |
| Total domestic deposits to total assets | 83.7785% | 3,558 |
| Equity capital to assets | 10.3789% | 3,321 |
| Core capital (leverage) ratio | 10.1793% | 3,260 |
| Tier 1 risk-based capital ratio | 13.8022% | 3,603 |
| Total risk-based capital ratio | 15.0663% | 3,505 |
| Memoranda: | ||
| Average total assets | $241,173,000 | 2,603 |
| Average earning assets | $217,702,000 | 2,662 |
| Average equity | $24,294,500 | 2,766 |
| Average total loans | $170,608,500 | 2,456 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 2,144 |
| Cost of funding earning assets | 0.4616% | 2,435 |
| Net interest margin | 3.8365% | 2,181 |
| Noninterest income to average assets | 0.8260% | 1,658 |
| Noninterest expense to average assets | 3.1187% | 1,977 |
| Loan and lease loss provision to assets | 0.8303% | 139 |
| Net operating income to assets | 0.2599% | 5,304 |
| Return on assets (ROA) | 0.2723% | 5,349 |
| Pretax return on assets | 0.3649% | 5,272 |
| Return on Equity (ROE) | 2.8639% | 5,193 |
| Retained earnings to average equity (ytd only) | 1.7241% | 4,549 |
| Net charge-offs to loans | 0.6128% | 374 |
| Credit loss provision to net charge-offs | 186.2953% | 1,510 |
| Earnings coverage of net charge-offs (x) | 2.6446% | 3,792 |
| Efficiency ratio | 72.5722% | 2,494 |
| Assets per employee ($millions) | 3.6836% | 4,505 |
| Cash dividends to net income (ytd only)* | 39.7974% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2617% | 429 |
| Loan loss allowance to noncurrent loans | 105.7243% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.5077% | 1,099 |
| Noncurrent loans to loans | 2.1392% | 801 |
| Net loans and leases to total assets | 68.8842% | 2,634 |
| Net loans and leases to deposits | 84.7903% | 2,333 |
| Net loans and leases to core deposits | 92.9513% | 2,215 |
| Total domestic deposits to total assets | 81.2408% | 4,277 |
| Equity capital to assets | 9.7820% | 3,968 |
| Core capital (leverage) ratio | 9.9407% | 3,568 |
| Tier 1 risk-based capital ratio | 13.1462% | 3,974 |
| Total risk-based capital ratio | 14.4107% | 3,897 |
| Memoranda: | ||
| Average total assets | $253,762,200 | 2,476 |
| Average earning assets | $229,612,800 | 2,517 |
| Average equity | $24,128,000 | 2,789 |
| Average total loans | $184,551,000 | 2,267 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 2,123 |
| Cost of funding earning assets | 0.4683% | 2,382 |
| Net interest margin | 3.8451% | 2,178 |
| Noninterest income to average assets | 0.9357% | 1,292 |
| Noninterest expense to average assets | 3.1686% | 1,857 |
| Loan and lease loss provision to assets | 1.0995% | 87 |
| Net operating income to assets | 0.1179% | 5,603 |
| Return on assets (ROA) | 0.1179% | 5,658 |
| Pretax return on assets | 0.1555% | 5,619 |
| Return on Equity (ROE) | 1.2491% | 5,614 |
| Retained earnings to average equity (ytd only) | -0.2708% | 5,411 |
| Net charge-offs to loans | 0.7963% | 225 |
| Credit loss provision to net charge-offs | 188.4615% | 1,492 |
| Earnings coverage of net charge-offs (x) | 2.1512% | 3,611 |
| Efficiency ratio | 71.6291% | 2,626 |
| Assets per employee ($millions) | 3.3157% | 5,026 |
| Cash dividends to net income (ytd only)* | 121.6805% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3025% | 435 |
| Loan loss allowance to noncurrent loans | 99.5711% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.6156% | 1,077 |
| Noncurrent loans to loans | 2.3124% | 797 |
| Net loans and leases to total assets | 68.2552% | 2,764 |
| Net loans and leases to deposits | 81.2763% | 2,824 |
| Net loans and leases to core deposits | 89.0056% | 2,665 |
| Total domestic deposits to total assets | 83.9792% | 3,216 |
| Equity capital to assets | 10.1780% | 3,947 |
| Core capital (leverage) ratio | 9.8848% | 3,715 |
| Tier 1 risk-based capital ratio | 13.5162% | 3,852 |
| Total risk-based capital ratio | 14.7787% | 3,751 |
| Memoranda: | ||
| Average total assets | $255,502,500 | 2,471 |
| Average earning assets | $231,772,750 | 2,508 |
| Average equity | $24,124,500 | 2,809 |
| Average total loans | $187,203,500 | 2,237 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3827% | 1,878 |
| Cost of funding earning assets | 0.4696% | 2,376 |
| Net interest margin | 3.9131% | 1,936 |
| Noninterest income to average assets | 1.1217% | 890 |
| Noninterest expense to average assets | 3.1845% | 1,851 |
| Loan and lease loss provision to assets | 1.5698% | 56 |
| Net operating income to assets | -0.0858% | 5,808 |
| Return on assets (ROA) | -0.0858% | 5,826 |
| Pretax return on assets | -0.0858% | 5,824 |
| Return on Equity (ROE) | -0.9311% | 5,836 |
| Retained earnings to average equity (ytd only) | -3.2380% | 5,651 |
| Net charge-offs to loans | 0.9789% | 191 |
| Credit loss provision to net charge-offs | 215.7113% | 1,238 |
| Earnings coverage of net charge-offs (x) | 2.0393% | 3,335 |
| Efficiency ratio | 68.2112% | 3,297 |
| Assets per employee ($millions) | 3.3631% | 4,982 |
| Cash dividends to net income (ytd only)* | -247.7477% | 6,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3359% | 440 |
| Loan loss allowance to noncurrent loans | 126.5478% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 1,569 |
| Noncurrent loans to loans | 1.8458% | 1,102 |
| Net loans and leases to total assets | 67.9905% | 2,775 |
| Net loans and leases to deposits | 78.7168% | 3,085 |
| Net loans and leases to core deposits | 85.7101% | 2,930 |
| Total domestic deposits to total assets | 86.3736% | 2,228 |
| Equity capital to assets | 9.8413% | 4,398 |
| Core capital (leverage) ratio | 9.5259% | 4,172 |
| Tier 1 risk-based capital ratio | 13.3074% | 4,015 |
| Total risk-based capital ratio | 14.5695% | 3,925 |
| Memoranda: | ||
| Average total assets | $258,882,330 | 2,462 |
| Average earning assets | $234,648,330 | 2,500 |
| Average equity | $23,841,670 | 2,848 |
| Average total loans | $192,464,670 | 2,189 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 1,384 |
| Cost of funding earning assets | 0.4714% | 2,359 |
| Net interest margin | 4.0733% | 1,416 |
| Noninterest income to average assets | 0.5169% | 3,011 |
| Noninterest expense to average assets | 3.2544% | 1,710 |
| Loan and lease loss provision to assets | 2.9512% | 22 |
| Net operating income to assets | -2.2070% | 6,075 |
| Return on assets (ROA) | -2.2070% | 6,075 |
| Pretax return on assets | -2.0084% | 6,073 |
| Return on Equity (ROE) | -24.7656% | 6,077 |
| Retained earnings to average equity (ytd only) | -27.9463% | 6,018 |
| Net charge-offs to loans | 0.1267% | 1,341 |
| Credit loss provision to net charge-offs | 3,042.1875% | 134 |
| Earnings coverage of net charge-offs (x) | 9.7188% | 1,968 |
| Efficiency ratio | 77.5370% | 1,961 |
| Assets per employee ($millions) | 3.2307% | 5,226 |
| Cash dividends to net income (ytd only)* | -12.8434% | 6,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4450% | 414 |
| Loan loss allowance to noncurrent loans | 226.5918% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 2,638 |
| Noncurrent loans to loans | 1.0790% | 2,239 |
| Net loans and leases to total assets | 73.7977% | 1,754 |
| Net loans and leases to deposits | 83.9387% | 2,310 |
| Net loans and leases to core deposits | 90.7568% | 2,297 |
| Total domestic deposits to total assets | 87.9186% | 1,688 |
| Equity capital to assets | 8.7709% | 5,364 |
| Core capital (leverage) ratio | 8.6755% | 5,202 |
| Tier 1 risk-based capital ratio | 11.6610% | 5,126 |
| Total risk-based capital ratio | 12.9258% | 5,032 |
| Memoranda: | ||
| Average total assets | $263,888,500 | 2,438 |
| Average earning assets | $238,428,000 | 2,476 |
| Average equity | $23,516,500 | 2,874 |
| Average total loans | $202,069,500 | 2,120 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 1,744 |
| Cost of funding earning assets | 0.4298% | 2,849 |
| Net interest margin | 4.0204% | 1,654 |
| Noninterest income to average assets | 0.4415% | 3,737 |
| Noninterest expense to average assets | 3.4297% | 1,433 |
| Loan and lease loss provision to assets | 0.6127% | 169 |
| Net operating income to assets | 0.0401% | 5,829 |
| Return on assets (ROA) | 0.1686% | 5,690 |
| Pretax return on assets | 0.1827% | 5,705 |
| Return on Equity (ROE) | 1.8602% | 5,603 |
| Retained earnings to average equity (ytd only) | -2.8025% | 5,809 |
| Net charge-offs to loans | 0.5224% | 489 |
| Credit loss provision to net charge-offs | 152.4954% | 1,751 |
| Earnings coverage of net charge-offs (x) | 1.6322% | 4,055 |
| Efficiency ratio | 83.9484% | 1,185 |
| Assets per employee ($millions) | 3.0941% | 5,422 |
| Cash dividends to net income (ytd only)* | 250.6608% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4346% | 2,276 |
| Loan loss allowance to noncurrent loans | 138.8732% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 2,660 |
| Noncurrent loans to loans | 1.0331% | 2,268 |
| Net loans and leases to total assets | 76.3734% | 1,351 |
| Net loans and leases to deposits | 88.1644% | 1,861 |
| Net loans and leases to core deposits | 95.5944% | 1,888 |
| Total domestic deposits to total assets | 86.6262% | 2,311 |
| Equity capital to assets | 9.0498% | 5,081 |
| Core capital (leverage) ratio | 9.0847% | 4,771 |
| Tier 1 risk-based capital ratio | 11.6273% | 5,175 |
| Total risk-based capital ratio | 12.8791% | 5,086 |
| Memoranda: | ||
| Average total assets | $269,295,400 | 2,350 |
| Average earning assets | $244,082,400 | 2,389 |
| Average equity | $24,406,600 | 2,742 |
| Average total loans | $207,127,000 | 2,010 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4159% | 1,877 |
| Cost of funding earning assets | 0.4187% | 3,019 |
| Net interest margin | 3.9972% | 1,714 |
| Noninterest income to average assets | 0.4023% | 4,069 |
| Noninterest expense to average assets | 3.2852% | 1,725 |
| Loan and lease loss provision to assets | 0.7405% | 107 |
| Net operating income to assets | 0.0003% | 5,934 |
| Return on assets (ROA) | 0.0439% | 5,942 |
| Pretax return on assets | 0.0736% | 5,912 |
| Return on Equity (ROE) | 0.4846% | 5,925 |
| Retained earnings to average equity (ytd only) | -4.1325% | 5,999 |
| Net charge-offs to loans | 0.6873% | 313 |
| Credit loss provision to net charge-offs | 140.3181% | 1,769 |
| Earnings coverage of net charge-offs (x) | 1.4135% | 3,842 |
| Efficiency ratio | 81.4964% | 1,465 |
| Assets per employee ($millions) | 3.1907% | 5,306 |
| Cash dividends to net income (ytd only)* | 952.8400% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,951 |
| Loan loss allowance to noncurrent loans | 45.2446% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 2.3108% | 791 |
| Noncurrent loans to loans | 2.9418% | 611 |
| Net loans and leases to total assets | 77.1081% | 1,236 |
| Net loans and leases to deposits | 95.4468% | 1,058 |
| Net loans and leases to core deposits | 102.6668% | 1,330 |
| Total domestic deposits to total assets | 80.7865% | 4,528 |
| Equity capital to assets | 8.9558% | 5,348 |
| Core capital (leverage) ratio | 8.9125% | 5,100 |
| Tier 1 risk-based capital ratio | 11.0753% | 5,619 |
| Total risk-based capital ratio | 12.3254% | 5,511 |
| Memoranda: | ||
| Average total assets | $270,095,750 | 2,353 |
| Average earning assets | $245,197,500 | 2,400 |
| Average equity | $24,488,000 | 2,758 |
| Average total loans | $207,363,000 | 2,022 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 1,993 |
| Cost of funding earning assets | 0.4137% | 3,113 |
| Net interest margin | 3.9419% | 1,849 |
| Noninterest income to average assets | 0.3530% | 4,436 |
| Noninterest expense to average assets | 3.2789% | 1,764 |
| Loan and lease loss provision to assets | 1.1122% | 59 |
| Net operating income to assets | -0.5176% | 6,191 |
| Return on assets (ROA) | -0.4152% | 6,178 |
| Pretax return on assets | -0.3611% | 6,156 |
| Return on Equity (ROE) | -4.5613% | 6,184 |
| Retained earnings to average equity (ytd only) | -9.9453% | 6,179 |
| Net charge-offs to loans | 1.0377% | 199 |
| Credit loss provision to net charge-offs | 140.4494% | 1,599 |
| Earnings coverage of net charge-offs (x) | 0.8193% | 3,616 |
| Efficiency ratio | 83.4812% | 1,318 |
| Assets per employee ($millions) | 3.1347% | 5,423 |
| Cash dividends to net income (ytd only)* | -118.0357% | 6,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 3,055 |
| Loan loss allowance to noncurrent loans | 47.0020% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 2.2133% | 943 |
| Noncurrent loans to loans | 2.8387% | 726 |
| Net loans and leases to total assets | 76.5207% | 1,297 |
| Net loans and leases to deposits | 92.9803% | 1,255 |
| Net loans and leases to core deposits | 99.3856% | 1,544 |
| Total domestic deposits to total assets | 82.2978% | 4,192 |
| Equity capital to assets | 8.6588% | 5,557 |
| Core capital (leverage) ratio | 8.7768% | 5,252 |
| Tier 1 risk-based capital ratio | 11.1164% | 5,654 |
| Total risk-based capital ratio | 12.3670% | 5,582 |
| Memoranda: | ||
| Average total assets | $269,724,330 | 2,376 |
| Average earning assets | $244,603,000 | 2,424 |
| Average equity | $24,554,330 | 2,763 |
| Average total loans | $205,835,330 | 2,042 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 1,943 |
| Cost of funding earning assets | 0.4171% | 3,113 |
| Net interest margin | 3.9317% | 1,786 |
| Noninterest income to average assets | 0.4220% | 3,829 |
| Noninterest expense to average assets | 3.2256% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5369% | 4,522 |
| Return on assets (ROA) | 0.5369% | 4,637 |
| Pretax return on assets | 0.7531% | 4,416 |
| Return on Equity (ROE) | 5.7544% | 4,160 |
| Retained earnings to average equity (ytd only) | -1.7902% | 5,666 |
| Net charge-offs to loans | 0.0828% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.0238% | 1,822 |
| Efficiency ratio | 81.0720% | 1,751 |
| Assets per employee ($millions) | 3.1377% | 5,498 |
| Cash dividends to net income (ytd only)* | 131.1111% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 4,278 |
| Loan loss allowance to noncurrent loans | 81.3019% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 2,453 |
| Noncurrent loans to loans | 1.4103% | 2,035 |
| Net loans and leases to total assets | 75.0188% | 1,351 |
| Net loans and leases to deposits | 88.8047% | 1,531 |
| Net loans and leases to core deposits | 95.1345% | 1,685 |
| Total domestic deposits to total assets | 84.4762% | 3,623 |
| Equity capital to assets | 9.3028% | 4,961 |
| Core capital (leverage) ratio | 9.3842% | 4,456 |
| Tier 1 risk-based capital ratio | 12.5037% | 4,902 |
| Total risk-based capital ratio | 13.6858% | 4,866 |
| Memoranda: | ||
| Average total assets | $268,228,000 | 2,399 |
| Average earning assets | $242,643,000 | 2,448 |
| Average equity | $25,024,500 | 2,748 |
| Average total loans | $202,999,500 | 2,064 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 2,099 |
| Cost of funding earning assets | 0.4132% | 3,565 |
| Net interest margin | 4.0286% | 1,811 |
| Noninterest income to average assets | 0.7626% | 2,021 |
| Noninterest expense to average assets | 3.2812% | 1,971 |
| Loan and lease loss provision to assets | 0.2320% | 1,044 |
| Net operating income to assets | 0.6140% | 4,307 |
| Return on assets (ROA) | 0.6531% | 4,227 |
| Pretax return on assets | 0.9567% | 3,658 |
| Return on Equity (ROE) | 6.5943% | 3,851 |
| Retained earnings to average equity (ytd only) | 2.2606% | 4,631 |
| Net charge-offs to loans | 0.0519% | 3,794 |
| Credit loss provision to net charge-offs | 618.5567% | 427 |
| Earnings coverage of net charge-offs (x) | 30.1546% | 1,331 |
| Efficiency ratio | 74.3646% | 2,773 |
| Assets per employee ($millions) | 3.1002% | 5,566 |
| Cash dividends to net income (ytd only)* | 65.7194% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 4,079 |
| Loan loss allowance to noncurrent loans | 85.6017% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.0592% | 2,628 |
| Noncurrent loans to loans | 1.3875% | 2,112 |
| Net loans and leases to total assets | 74.5755% | 1,483 |
| Net loans and leases to deposits | 87.1048% | 1,835 |
| Net loans and leases to core deposits | 93.8116% | 1,936 |
| Total domestic deposits to total assets | 85.6159% | 3,024 |
| Equity capital to assets | 9.3566% | 4,902 |
| Core capital (leverage) ratio | 9.5980% | 4,102 |
| Tier 1 risk-based capital ratio | 12.2638% | 5,185 |
| Total risk-based capital ratio | 13.4388% | 5,151 |
| Memoranda: | ||
| Average total assets | $258,597,800 | 2,446 |
| Average earning assets | $234,276,200 | 2,476 |
| Average equity | $25,613,000 | 2,601 |
| Average total loans | $186,927,200 | 2,145 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 2,144 |
| Cost of funding earning assets | 0.4083% | 3,699 |
| Net interest margin | 4.0162% | 1,834 |
| Noninterest income to average assets | 0.8636% | 1,645 |
| Noninterest expense to average assets | 3.2699% | 1,970 |
| Loan and lease loss provision to assets | 0.3118% | 612 |
| Net operating income to assets | 0.6900% | 3,995 |
| Return on assets (ROA) | 0.7477% | 3,772 |
| Pretax return on assets | 1.0034% | 3,579 |
| Return on Equity (ROE) | 7.4424% | 3,473 |
| Retained earnings to average equity (ytd only) | 4.2772% | 3,605 |
| Net charge-offs to loans | 0.0713% | 3,182 |
| Credit loss provision to net charge-offs | 612.2449% | 485 |
| Earnings coverage of net charge-offs (x) | 24.3169% | 1,551 |
| Efficiency ratio | 72.5334% | 3,084 |
| Assets per employee ($millions) | 2.9882% | 5,734 |
| Cash dividends to net income (ytd only)* | 42.5295% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 4,003 |
| Loan loss allowance to noncurrent loans | 84.6263% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.2670% | 2,430 |
| Noncurrent loans to loans | 1.4688% | 2,209 |
| Net loans and leases to total assets | 73.8583% | 1,549 |
| Net loans and leases to deposits | 88.6551% | 1,596 |
| Net loans and leases to core deposits | 95.1590% | 1,742 |
| Total domestic deposits to total assets | 83.3097% | 4,027 |
| Equity capital to assets | 9.7545% | 4,481 |
| Core capital (leverage) ratio | 9.7823% | 3,953 |
| Tier 1 risk-based capital ratio | 12.9698% | 4,884 |
| Total risk-based capital ratio | 14.1987% | 4,814 |
| Memoranda: | ||
| Average total assets | $256,594,000 | 2,482 |
| Average earning assets | $232,851,250 | 2,506 |
| Average equity | $25,779,750 | 2,601 |
| Average total loans | $183,354,500 | 2,199 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 2,150 |
| Cost of funding earning assets | 0.4172% | 3,691 |
| Net interest margin | 3.9914% | 1,831 |
| Noninterest income to average assets | 0.5100% | 3,403 |
| Noninterest expense to average assets | 3.2480% | 2,057 |
| Loan and lease loss provision to assets | 0.0585% | 3,114 |
| Net operating income to assets | 0.5798% | 4,453 |
| Return on assets (ROA) | 0.6590% | 4,147 |
| Pretax return on assets | 0.9265% | 3,779 |
| Return on Equity (ROE) | 6.4958% | 3,885 |
| Retained earnings to average equity (ytd only) | 3.6130% | 3,894 |
| Net charge-offs to loans | 0.0732% | 2,967 |
| Credit loss provision to net charge-offs | 113.6364% | 1,777 |
| Earnings coverage of net charge-offs (x) | 16.9697% | 1,758 |
| Efficiency ratio | 78.8079% | 2,195 |
| Assets per employee ($millions) | 2.9588% | 5,809 |
| Cash dividends to net income (ytd only)* | 44.3787% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,211 |
| Loan loss allowance to noncurrent loans | 85.4890% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.6180% | 2,021 |
| Noncurrent loans to loans | 1.2038% | 2,826 |
| Net loans and leases to total assets | 70.8700% | 1,936 |
| Net loans and leases to deposits | 82.8489% | 2,156 |
| Net loans and leases to core deposits | 89.4576% | 2,177 |
| Total domestic deposits to total assets | 85.5412% | 3,272 |
| Equity capital to assets | 10.3774% | 3,584 |
| Core capital (leverage) ratio | 10.4503% | 3,009 |
| Tier 1 risk-based capital ratio | 14.1013% | 4,196 |
| Total risk-based capital ratio | 15.0958% | 4,307 |
| Memoranda: | ||
| Average total assets | $256,462,670 | 2,491 |
| Average earning assets | $232,046,000 | 2,528 |
| Average equity | $26,017,000 | 2,562 |
| Average total loans | $180,407,330 | 2,228 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 1,956 |
| Cost of funding earning assets | 0.4207% | 3,749 |
| Net interest margin | 4.0307% | 1,657 |
| Noninterest income to average assets | 0.4625% | 3,690 |
| Noninterest expense to average assets | 3.2252% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6392% | 3,999 |
| Return on assets (ROA) | 0.7157% | 3,686 |
| Pretax return on assets | 0.9969% | 3,327 |
| Return on Equity (ROE) | 7.1370% | 3,391 |
| Retained earnings to average equity (ytd only) | 4.2230% | 3,597 |
| Net charge-offs to loans | 0.1569% | 1,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.1429% | 2,055 |
| Efficiency ratio | 78.3599% | 2,431 |
| Assets per employee ($millions) | 3.1108% | 5,665 |
| Cash dividends to net income (ytd only)* | 40.8297% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 5,439 |
| Loan loss allowance to noncurrent loans | 112.9273% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 2,596 |
| Noncurrent loans to loans | 0.9040% | 3,619 |
| Net loans and leases to total assets | 67.4215% | 2,314 |
| Net loans and leases to deposits | 76.6278% | 2,739 |
| Net loans and leases to core deposits | 82.7812% | 2,660 |
| Total domestic deposits to total assets | 87.9856% | 2,243 |
| Equity capital to assets | 9.9421% | 3,917 |
| Core capital (leverage) ratio | 10.3745% | 3,086 |
| Tier 1 risk-based capital ratio | 14.2822% | 4,142 |
| Total risk-based capital ratio | 15.2630% | 4,266 |
| Memoranda: | ||
| Average total assets | $255,986,500 | 2,493 |
| Average earning assets | $232,021,500 | 2,527 |
| Average equity | $25,669,000 | 2,584 |
| Average total loans | $178,447,500 | 2,248 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 2,463 |
| Cost of funding earning assets | 0.4979% | 3,637 |
| Net interest margin | 3.9342% | 2,162 |
| Noninterest income to average assets | 0.4143% | 4,348 |
| Noninterest expense to average assets | 3.0887% | 2,770 |
| Loan and lease loss provision to assets | 0.2767% | 1,263 |
| Net operating income to assets | 0.5034% | 4,719 |
| Return on assets (ROA) | 0.6092% | 4,339 |
| Pretax return on assets | 0.8132% | 4,094 |
| Return on Equity (ROE) | 6.3101% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.6959% | 2,162 |
| Net charge-offs to loans | 1.3972% | 348 |
| Credit loss provision to net charge-offs | 27.7557% | 4,295 |
| Earnings coverage of net charge-offs (x) | 0.9516% | 4,765 |
| Efficiency ratio | 76.5005% | 2,703 |
| Assets per employee ($millions) | 3.0201% | 5,799 |
| Cash dividends to net income (ytd only)* | 9.7339% | 4,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 5,322 |
| Loan loss allowance to noncurrent loans | 121.6634% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 2,655 |
| Noncurrent loans to loans | 0.8670% | 3,813 |
| Net loans and leases to total assets | 70.6174% | 1,918 |
| Net loans and leases to deposits | 81.3743% | 2,266 |
| Net loans and leases to core deposits | 88.3790% | 2,201 |
| Total domestic deposits to total assets | 86.7810% | 2,841 |
| Equity capital to assets | 10.1165% | 3,612 |
| Core capital (leverage) ratio | 10.4962% | 2,928 |
| Tier 1 risk-based capital ratio | 14.2957% | 4,086 |
| Total risk-based capital ratio | 15.3257% | 4,189 |
| Memoranda: | ||
| Average total assets | $252,951,200 | 2,503 |
| Average earning assets | $232,955,200 | 2,491 |
| Average equity | $24,421,200 | 2,689 |
| Average total loans | $180,498,000 | 2,191 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3966% | 2,607 |
| Cost of funding earning assets | 0.5068% | 3,701 |
| Net interest margin | 3.8898% | 2,312 |
| Noninterest income to average assets | 0.3939% | 4,575 |
| Noninterest expense to average assets | 2.9104% | 3,270 |
| Loan and lease loss provision to assets | 0.3681% | 857 |
| Net operating income to assets | 0.4841% | 4,870 |
| Return on assets (ROA) | 0.5785% | 4,567 |
| Pretax return on assets | 0.8546% | 4,075 |
| Return on Equity (ROE) | 6.0638% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.7882% | 2,549 |
| Net charge-offs to loans | 1.7955% | 230 |
| Credit loss provision to net charge-offs | 28.7356% | 3,921 |
| Earnings coverage of net charge-offs (x) | 0.8461% | 4,571 |
| Efficiency ratio | 72.8637% | 3,251 |
| Assets per employee ($millions) | 3.1050% | 5,665 |
| Cash dividends to net income (ytd only)* | 4.5458% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 5,342 |
| Loan loss allowance to noncurrent loans | 95.5911% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 2,551 |
| Noncurrent loans to loans | 1.1466% | 3,514 |
| Net loans and leases to total assets | 70.7887% | 1,815 |
| Net loans and leases to deposits | 80.3219% | 2,362 |
| Net loans and leases to core deposits | 88.2378% | 2,160 |
| Total domestic deposits to total assets | 88.1312% | 2,038 |
| Equity capital to assets | 9.4673% | 4,592 |
| Core capital (leverage) ratio | 9.7554% | 4,022 |
| Tier 1 risk-based capital ratio | 13.4459% | 4,799 |
| Total risk-based capital ratio | 14.5398% | 4,849 |
| Memoranda: | ||
| Average total assets | $253,521,750 | 2,515 |
| Average earning assets | $234,661,250 | 2,487 |
| Average equity | $24,186,750 | 2,740 |
| Average total loans | $180,896,750 | 2,192 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 2,813 |
| Cost of funding earning assets | 0.5242% | 3,661 |
| Net interest margin | 3.8104% | 2,514 |
| Noninterest income to average assets | 0.3887% | 4,606 |
| Noninterest expense to average assets | 2.7876% | 3,714 |
| Loan and lease loss provision to assets | 0.4941% | 558 |
| Net operating income to assets | 0.4460% | 5,034 |
| Return on assets (ROA) | 0.5893% | 4,530 |
| Pretax return on assets | 0.8490% | 4,120 |
| Return on Equity (ROE) | 6.1616% | 4,067 |
| Retained earnings to average equity (ytd only) | 6.1616% | 2,342 |
| Net charge-offs to loans | 2.6933% | 127 |
| Credit loss provision to net charge-offs | 25.7377% | 3,653 |
| Earnings coverage of net charge-offs (x) | 0.5914% | 4,336 |
| Efficiency ratio | 71.0590% | 3,633 |
| Assets per employee ($millions) | 3.2305% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 5,589 |
| Loan loss allowance to noncurrent loans | 87.0583% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.6370% | 2,650 |
| Noncurrent loans to loans | 1.2157% | 3,521 |
| Net loans and leases to total assets | 70.3801% | 1,821 |
| Net loans and leases to deposits | 80.0844% | 2,307 |
| Net loans and leases to core deposits | 87.8536% | 2,122 |
| Total domestic deposits to total assets | 87.8823% | 2,327 |
| Equity capital to assets | 9.3262% | 4,820 |
| Core capital (leverage) ratio | 9.4094% | 4,378 |
| Tier 1 risk-based capital ratio | 13.3949% | 4,841 |
| Total risk-based capital ratio | 14.4526% | 4,932 |
| Memoranda: | ||
| Average total assets | $254,192,670 | 2,512 |
| Average earning assets | $235,776,330 | 2,491 |
| Average equity | $24,312,000 | 2,737 |
| Average total loans | $181,191,330 | 2,190 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2017% | 3,293 |
| Cost of funding earning assets | 0.5472% | 3,598 |
| Net interest margin | 3.6544% | 3,062 |
| Noninterest income to average assets | 0.3807% | 4,619 |
| Noninterest expense to average assets | 2.7669% | 3,810 |
| Loan and lease loss provision to assets | 0.6424% | 382 |
| Net operating income to assets | 0.3324% | 5,435 |
| Return on assets (ROA) | 0.4700% | 4,988 |
| Pretax return on assets | 0.5405% | 5,145 |
| Return on Equity (ROE) | 4.8548% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.8548% | 3,325 |
| Net charge-offs to loans | 5.1711% | 43 |
| Credit loss provision to net charge-offs | 17.4098% | 3,077 |
| Earnings coverage of net charge-offs (x) | 0.2777% | 3,724 |
| Efficiency ratio | 72.9752% | 3,447 |
| Assets per employee ($millions) | 3.4050% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 6,036 |
| Loan loss allowance to noncurrent loans | 81.2529% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.5703% | 2,913 |
| Noncurrent loans to loans | 1.2127% | 3,744 |
| Net loans and leases to total assets | 67.6085% | 2,090 |
| Net loans and leases to deposits | 76.3466% | 2,580 |
| Net loans and leases to core deposits | 83.1235% | 2,446 |
| Total domestic deposits to total assets | 88.5547% | 1,969 |
| Equity capital to assets | 9.4242% | 4,969 |
| Core capital (leverage) ratio | 9.1349% | 4,662 |
| Tier 1 risk-based capital ratio | 13.1965% | 5,071 |
| Total risk-based capital ratio | 14.1815% | 5,227 |
| Memoranda: | ||
| Average total assets | $255,299,500 | 2,532 |
| Average earning assets | $238,285,500 | 2,489 |
| Average equity | $24,718,000 | 2,732 |
| Average total loans | $182,167,000 | 2,188 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 2,135 |
| Cost of funding earning assets | 0.6622% | 3,815 |
| Net interest margin | 4.1544% | 1,801 |
| Noninterest income to average assets | 0.4369% | 4,343 |
| Noninterest expense to average assets | 3.3364% | 2,236 |
| Loan and lease loss provision to assets | 0.3787% | 1,729 |
| Net operating income to assets | 0.4179% | 5,018 |
| Return on assets (ROA) | 0.4891% | 4,978 |
| Pretax return on assets | 0.6582% | 4,800 |
| Return on Equity (ROE) | 4.9628% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.4497% | 3,106 |
| Net charge-offs to loans | 0.1641% | 4,063 |
| Credit loss provision to net charge-offs | 303.8961% | 799 |
| Earnings coverage of net charge-offs (x) | 7.5487% | 2,571 |
| Efficiency ratio | 78.0079% | 2,444 |
| Assets per employee ($millions) | 3.1848% | 5,658 |
| Cash dividends to net income (ytd only)* | 10.3391% | 4,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0015% | 2,014 |
| Loan loss allowance to noncurrent loans | 407.5824% | 978 |
| Noncurrent assets plus other real estate owned to assets | 1.1900% | 3,674 |
| Noncurrent loans to loans | 0.4911% | 5,303 |
| Net loans and leases to total assets | 73.1045% | 1,320 |
| Net loans and leases to deposits | 82.5696% | 1,927 |
| Net loans and leases to core deposits | 90.7488% | 1,748 |
| Total domestic deposits to total assets | 88.5368% | 1,879 |
| Equity capital to assets | 9.9540% | 4,229 |
| Core capital (leverage) ratio | 9.4749% | 4,141 |
| Tier 1 risk-based capital ratio | 12.9846% | 5,116 |
| Total risk-based capital ratio | 14.2376% | 5,057 |
| Memoranda: | ||
| Average total assets | $247,185,200 | 2,556 |
| Average earning assets | $228,481,200 | 2,527 |
| Average equity | $24,361,200 | 2,725 |
| Average total loans | $187,705,000 | 2,117 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 2,263 |
| Cost of funding earning assets | 0.6840% | 3,905 |
| Net interest margin | 4.1508% | 1,897 |
| Noninterest income to average assets | 0.4245% | 4,448 |
| Noninterest expense to average assets | 3.2150% | 2,516 |
| Loan and lease loss provision to assets | 0.2625% | 2,473 |
| Net operating income to assets | 0.5594% | 4,572 |
| Return on assets (ROA) | 0.6454% | 4,422 |
| Pretax return on assets | 0.8911% | 4,149 |
| Return on Equity (ROE) | 6.5649% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.5649% | 2,348 |
| Net charge-offs to loans | 0.2145% | 3,442 |
| Credit loss provision to net charge-offs | 160.3960% | 1,740 |
| Earnings coverage of net charge-offs (x) | 6.3201% | 2,817 |
| Efficiency ratio | 75.6609% | 2,726 |
| Assets per employee ($millions) | 3.1793% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 3,040 |
| Loan loss allowance to noncurrent loans | 359.0759% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 3,653 |
| Noncurrent loans to loans | 0.4822% | 5,488 |
| Net loans and leases to total assets | 75.6775% | 1,016 |
| Net loans and leases to deposits | 84.7889% | 1,765 |
| Net loans and leases to core deposits | 92.4854% | 1,732 |
| Total domestic deposits to total assets | 89.2539% | 1,279 |
| Equity capital to assets | 10.2085% | 4,192 |
| Core capital (leverage) ratio | 9.6545% | 4,042 |
| Tier 1 risk-based capital ratio | 13.1186% | 5,153 |
| Total risk-based capital ratio | 14.3756% | 5,108 |
| Memoranda: | ||
| Average total assets | $246,878,250 | 2,586 |
| Average earning assets | $227,485,750 | 2,558 |
| Average equity | $24,269,750 | 2,755 |
| Average total loans | $188,303,750 | 2,127 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8004% | 2,509 |
| Cost of funding earning assets | 0.7044% | 3,978 |
| Net interest margin | 4.0959% | 2,114 |
| Noninterest income to average assets | 0.4023% | 4,633 |
| Noninterest expense to average assets | 3.2387% | 2,469 |
| Loan and lease loss provision to assets | 0.2036% | 3,036 |
| Net operating income to assets | 0.5230% | 4,704 |
| Return on assets (ROA) | 0.6326% | 4,459 |
| Pretax return on assets | 0.8862% | 4,133 |
| Return on Equity (ROE) | 6.5170% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.5170% | 2,373 |
| Net charge-offs to loans | 0.0128% | 5,269 |
| Credit loss provision to net charge-offs | 2,100.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 441 |
| Efficiency ratio | 77.5885% | 2,511 |
| Assets per employee ($millions) | 3.1110% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 3,022 |
| Loan loss allowance to noncurrent loans | 282.1580% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 3,480 |
| Noncurrent loans to loans | 0.6206% | 5,270 |
| Net loans and leases to total assets | 75.8140% | 990 |
| Net loans and leases to deposits | 86.7255% | 1,516 |
| Net loans and leases to core deposits | 94.4375% | 1,559 |
| Total domestic deposits to total assets | 87.4183% | 2,526 |
| Equity capital to assets | 9.9654% | 4,389 |
| Core capital (leverage) ratio | 9.5461% | 4,081 |
| Tier 1 risk-based capital ratio | 12.8558% | 5,292 |
| Total risk-based capital ratio | 14.1129% | 5,262 |
| Memoranda: | ||
| Average total assets | $247,569,000 | 2,575 |
| Average earning assets | $227,981,330 | 2,545 |
| Average equity | $24,029,330 | 2,766 |
| Average total loans | $188,229,330 | 2,131 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 2,692 |
| Cost of funding earning assets | 0.7431% | 3,914 |
| Net interest margin | 4.0410% | 2,327 |
| Noninterest income to average assets | 0.3880% | 4,762 |
| Noninterest expense to average assets | 3.1698% | 2,702 |
| Loan and lease loss provision to assets | 0.2028% | 2,917 |
| Net operating income to assets | 0.5200% | 4,738 |
| Return on assets (ROA) | 0.5200% | 4,947 |
| Pretax return on assets | 0.7357% | 4,667 |
| Return on Equity (ROE) | 5.4290% | 4,579 |
| Retained earnings to average equity (ytd only) | 5.4290% | 3,301 |
| Net charge-offs to loans | 0.0725% | 3,771 |
| Credit loss provision to net charge-offs | 370.5882% | 839 |
| Earnings coverage of net charge-offs (x) | 17.1471% | 1,319 |
| Efficiency ratio | 77.1552% | 2,625 |
| Assets per employee ($millions) | 3.1378% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 3,290 |
| Loan loss allowance to noncurrent loans | 238.3922% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 1.6572% | 3,367 |
| Noncurrent loans to loans | 0.7188% | 5,224 |
| Net loans and leases to total assets | 74.3602% | 1,005 |
| Net loans and leases to deposits | 83.0109% | 1,793 |
| Net loans and leases to core deposits | 89.8472% | 1,861 |
| Total domestic deposits to total assets | 89.5788% | 1,320 |
| Equity capital to assets | 9.7932% | 4,384 |
| Core capital (leverage) ratio | 9.2471% | 4,447 |
| Tier 1 risk-based capital ratio | 12.7855% | 5,376 |
| Total risk-based capital ratio | 14.0421% | 5,352 |
| Memoranda: | ||
| Average total assets | $248,468,500 | 2,575 |
| Average earning assets | $228,758,000 | 2,553 |
| Average equity | $23,798,000 | 2,785 |
| Average total loans | $187,519,500 | 2,145 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 3,765 |
| Cost of funding earning assets | 1.1225% | 2,519 |
| Net interest margin | 3.6877% | 4,353 |
| Noninterest income to average assets | 0.3839% | 4,754 |
| Noninterest expense to average assets | 2.8991% | 3,961 |
| Loan and lease loss provision to assets | 0.2208% | 3,989 |
| Net operating income to assets | 0.5171% | 4,354 |
| Return on assets (ROA) | 0.5264% | 4,522 |
| Pretax return on assets | 0.6806% | 4,404 |
| Return on Equity (ROE) | 5.7837% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.3425% | 2,421 |
| Net charge-offs to loans | 0.0304% | 6,020 |
| Credit loss provision to net charge-offs | 964.9123% | 237 |
| Earnings coverage of net charge-offs (x) | 38.8596% | 692 |
| Efficiency ratio | 76.5236% | 2,820 |
| Assets per employee ($millions) | 3.3625% | 5,338 |
| Cash dividends to net income (ytd only)* | 7.6278% | 3,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 3,503 |
| Loan loss allowance to noncurrent loans | 208.8814% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 1.7543% | 3,319 |
| Noncurrent loans to loans | 0.7769% | 5,132 |
| Net loans and leases to total assets | 74.0675% | 1,262 |
| Net loans and leases to deposits | 84.4166% | 1,870 |
| Net loans and leases to core deposits | 88.4869% | 2,324 |
| Total domestic deposits to total assets | 87.7403% | 2,315 |
| Equity capital to assets | 9.3689% | 5,063 |
| Core capital (leverage) ratio | 9.0992% | 4,618 |
| Tier 1 risk-based capital ratio | 12.2356% | 5,659 |
| Total risk-based capital ratio | 13.4906% | 5,628 |
| Memoranda: | ||
| Average total assets | $249,046,800 | 2,532 |
| Average earning assets | $229,923,600 | 2,508 |
| Average equity | $22,667,200 | 2,819 |
| Average total loans | $187,395,800 | 2,158 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 4,014 |
| Cost of funding earning assets | 1.1978% | 2,330 |
| Net interest margin | 3.6038% | 4,752 |
| Noninterest income to average assets | 0.3937% | 4,714 |
| Noninterest expense to average assets | 2.7964% | 4,358 |
| Loan and lease loss provision to assets | 0.2148% | 3,870 |
| Net operating income to assets | 0.5117% | 4,497 |
| Return on assets (ROA) | 0.5220% | 4,633 |
| Pretax return on assets | 0.7304% | 4,375 |
| Return on Equity (ROE) | 5.7786% | 4,130 |
| Retained earnings to average equity (ytd only) | 5.7786% | 2,690 |
| Net charge-offs to loans | 0.0528% | 5,446 |
| Credit loss provision to net charge-offs | 540.5405% | 509 |
| Earnings coverage of net charge-offs (x) | 23.4199% | 1,116 |
| Efficiency ratio | 75.0288% | 2,993 |
| Assets per employee ($millions) | 3.3540% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5668% | 3,816 |
| Loan loss allowance to noncurrent loans | 206.0113% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 1.7816% | 3,426 |
| Noncurrent loans to loans | 0.7605% | 5,354 |
| Net loans and leases to total assets | 73.7342% | 1,366 |
| Net loans and leases to deposits | 82.4738% | 2,265 |
| Net loans and leases to core deposits | 89.6420% | 2,298 |
| Total domestic deposits to total assets | 89.4032% | 1,193 |
| Equity capital to assets | 9.4755% | 5,123 |
| Core capital (leverage) ratio | 8.9901% | 4,948 |
| Tier 1 risk-based capital ratio | 12.2502% | 5,703 |
| Total risk-based capital ratio | 13.5044% | 5,685 |
| Memoranda: | ||
| Average total assets | $248,262,250 | 2,555 |
| Average earning assets | $229,641,500 | 2,516 |
| Average equity | $22,427,250 | 2,838 |
| Average total loans | $186,777,750 | 2,180 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 4,221 |
| Cost of funding earning assets | 1.2439% | 2,295 |
| Net interest margin | 3.5241% | 5,053 |
| Noninterest income to average assets | 0.3915% | 4,748 |
| Noninterest expense to average assets | 2.7324% | 4,693 |
| Loan and lease loss provision to assets | 0.2014% | 3,909 |
| Net operating income to assets | 0.5106% | 4,454 |
| Return on assets (ROA) | 0.5083% | 4,607 |
| Pretax return on assets | 0.7089% | 4,355 |
| Return on Equity (ROE) | 5.7198% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.7198% | 2,579 |
| Net charge-offs to loans | 0.2106% | 3,887 |
| Credit loss provision to net charge-offs | 126.9036% | 2,410 |
| Earnings coverage of net charge-offs (x) | 5.7563% | 2,535 |
| Efficiency ratio | 74.9448% | 3,189 |
| Assets per employee ($millions) | 3.4644% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 4,543 |
| Loan loss allowance to noncurrent loans | 213.5004% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 1.7964% | 3,513 |
| Noncurrent loans to loans | 0.6581% | 5,599 |
| Net loans and leases to total assets | 73.2798% | 1,542 |
| Net loans and leases to deposits | 82.1435% | 2,430 |
| Net loans and leases to core deposits | 90.7055% | 2,292 |
| Total domestic deposits to total assets | 89.2095% | 1,414 |
| Equity capital to assets | 9.0356% | 5,531 |
| Core capital (leverage) ratio | 8.8634% | 4,939 |
| Tier 1 risk-based capital ratio | 12.0430% | 5,756 |
| Total risk-based capital ratio | 13.2953% | 5,716 |
| Memoranda: | ||
| Average total assets | $248,284,000 | 2,569 |
| Average earning assets | $229,279,670 | 2,532 |
| Average equity | $22,063,670 | 2,869 |
| Average total loans | $187,064,000 | 2,203 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7077% | 4,482 |
| Cost of funding earning assets | 1.2945% | 2,213 |
| Net interest margin | 3.4132% | 5,381 |
| Noninterest income to average assets | 0.3756% | 4,908 |
| Noninterest expense to average assets | 2.6442% | 5,063 |
| Loan and lease loss provision to assets | 0.2439% | 3,228 |
| Net operating income to assets | 0.4682% | 4,631 |
| Return on assets (ROA) | 0.4635% | 4,730 |
| Pretax return on assets | 0.6326% | 4,562 |
| Return on Equity (ROE) | 5.2607% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.2607% | 3,028 |
| Net charge-offs to loans | 0.1565% | 3,549 |
| Credit loss provision to net charge-offs | 205.4795% | 1,446 |
| Earnings coverage of net charge-offs (x) | 7.4384% | 1,946 |
| Efficiency ratio | 74.9654% | 3,335 |
| Assets per employee ($millions) | 3.7587% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 4,505 |
| Loan loss allowance to noncurrent loans | 132.7853% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 2.0248% | 3,291 |
| Noncurrent loans to loans | 1.0807% | 4,888 |
| Net loans and leases to total assets | 73.7864% | 1,380 |
| Net loans and leases to deposits | 80.9903% | 2,528 |
| Net loans and leases to core deposits | 89.9158% | 2,359 |
| Total domestic deposits to total assets | 91.1052% | 575 |
| Equity capital to assets | 8.8186% | 5,465 |
| Core capital (leverage) ratio | 8.9192% | 4,739 |
| Tier 1 risk-based capital ratio | 11.9310% | 5,752 |
| Total risk-based capital ratio | 13.1834% | 5,740 |
| Memoranda: | ||
| Average total assets | $245,976,500 | 2,599 |
| Average earning assets | $227,119,500 | 2,579 |
| Average equity | $21,670,000 | 2,905 |
| Average total loans | $186,613,500 | 2,231 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 5,073 |
| Cost of funding earning assets | 1.6157% | 1,975 |
| Net interest margin | 3.2762% | 6,051 |
| Noninterest income to average assets | 0.4127% | 4,800 |
| Noninterest expense to average assets | 2.5341% | 5,666 |
| Loan and lease loss provision to assets | 0.6794% | 2,425 |
| Net operating income to assets | 0.1844% | 5,325 |
| Return on assets (ROA) | 0.2021% | 5,431 |
| Pretax return on assets | 0.2259% | 5,424 |
| Return on Equity (ROE) | 2.2045% | 5,306 |
| Retained earnings to average equity (ytd only) | 0.7317% | 5,192 |
| Net charge-offs to loans | 0.4395% | 3,858 |
| Credit loss provision to net charge-offs | 201.5113% | 1,548 |
| Earnings coverage of net charge-offs (x) | 2.6259% | 3,790 |
| Efficiency ratio | 74.1090% | 3,379 |
| Assets per employee ($millions) | 3.7519% | 4,362 |
| Cash dividends to net income (ytd only)* | 66.8067% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 4,613 |
| Loan loss allowance to noncurrent loans | 129.0130% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 1.9309% | 3,437 |
| Noncurrent loans to loans | 1.0698% | 4,946 |
| Net loans and leases to total assets | 75.8283% | 1,312 |
| Net loans and leases to deposits | 83.2038% | 2,589 |
| Net loans and leases to core deposits | 92.3411% | 2,459 |
| Total domestic deposits to total assets | 91.1357% | 539 |
| Equity capital to assets | 8.8008% | 5,431 |
| Core capital (leverage) ratio | 8.9004% | 4,700 |
| Tier 1 risk-based capital ratio | 11.8506% | 5,616 |
| Total risk-based capital ratio | 13.1023% | 5,603 |
| Memoranda: | ||
| Average total assets | $235,503,200 | 2,686 |
| Average earning assets | $216,135,600 | 2,674 |
| Average equity | $21,592,200 | 2,933 |
| Average total loans | $180,650,600 | 2,346 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 5,274 |
| Cost of funding earning assets | 1.6694% | 2,008 |
| Net interest margin | 3.2296% | 6,253 |
| Noninterest income to average assets | 0.4141% | 4,841 |
| Noninterest expense to average assets | 2.4894% | 5,749 |
| Loan and lease loss provision to assets | 0.2856% | 4,285 |
| Net operating income to assets | 0.4179% | 4,669 |
| Return on assets (ROA) | 0.4358% | 4,783 |
| Pretax return on assets | 0.6244% | 4,512 |
| Return on Equity (ROE) | 4.7044% | 4,448 |
| Retained earnings to average equity (ytd only) | 3.6994% | 3,856 |
| Net charge-offs to loans | 0.2429% | 4,483 |
| Credit loss provision to net charge-offs | 153.3742% | 2,514 |
| Earnings coverage of net charge-offs (x) | 4.7484% | 2,937 |
| Efficiency ratio | 73.7894% | 3,364 |
| Assets per employee ($millions) | 3.6179% | 4,691 |
| Cash dividends to net income (ytd only)* | 21.3632% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 6,095 |
| Loan loss allowance to noncurrent loans | 101.6632% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.8907% | 3,623 |
| Noncurrent loans to loans | 1.0476% | 5,152 |
| Net loans and leases to total assets | 74.9591% | 1,591 |
| Net loans and leases to deposits | 82.9711% | 2,916 |
| Net loans and leases to core deposits | 91.9762% | 2,801 |
| Total domestic deposits to total assets | 90.3436% | 701 |
| Equity capital to assets | 9.3099% | 5,124 |
| Core capital (leverage) ratio | 9.1764% | 4,408 |
| Tier 1 risk-based capital ratio | 12.0743% | 5,387 |
| Total risk-based capital ratio | 13.1548% | 5,524 |
| Memoranda: | ||
| Average total assets | $233,410,000 | 2,738 |
| Average earning assets | $213,888,500 | 2,743 |
| Average equity | $21,624,500 | 2,965 |
| Average total loans | $178,934,500 | 2,404 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 5,850 |
| Cost of funding earning assets | 1.7126% | 2,051 |
| Net interest margin | 3.0703% | 6,676 |
| Noninterest income to average assets | 0.3984% | 4,930 |
| Noninterest expense to average assets | 2.4556% | 5,896 |
| Loan and lease loss provision to assets | 0.2257% | 4,649 |
| Net operating income to assets | 0.3638% | 4,915 |
| Return on assets (ROA) | 0.3854% | 4,987 |
| Pretax return on assets | 0.5573% | 4,710 |
| Return on Equity (ROE) | 4.1670% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.1440% | 4,112 |
| Net charge-offs to loans | 0.2458% | 4,121 |
| Credit loss provision to net charge-offs | 119.2661% | 3,411 |
| Earnings coverage of net charge-offs (x) | 3.9725% | 3,105 |
| Efficiency ratio | 76.5629% | 2,972 |
| Assets per employee ($millions) | 3.6645% | 4,561 |
| Cash dividends to net income (ytd only)* | 24.5495% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 6,265 |
| Loan loss allowance to noncurrent loans | 69.5387% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 2.3242% | 3,108 |
| Noncurrent loans to loans | 1.4822% | 4,478 |
| Net loans and leases to total assets | 74.6785% | 1,773 |
| Net loans and leases to deposits | 82.5386% | 3,176 |
| Net loans and leases to core deposits | 91.2997% | 3,084 |
| Total domestic deposits to total assets | 90.4770% | 695 |
| Equity capital to assets | 9.3162% | 4,983 |
| Core capital (leverage) ratio | 9.2887% | 4,141 |
| Tier 1 risk-based capital ratio | 12.2783% | 5,053 |
| Total risk-based capital ratio | 13.3155% | 5,222 |
| Memoranda: | ||
| Average total assets | $230,413,670 | 2,805 |
| Average earning assets | $210,794,000 | 2,806 |
| Average equity | $21,310,330 | 3,001 |
| Average total loans | $177,360,670 | 2,451 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 6,146 |
| Cost of funding earning assets | 1.7666% | 2,031 |
| Net interest margin | 2.9602% | 6,920 |
| Noninterest income to average assets | 0.3784% | 5,108 |
| Noninterest expense to average assets | 2.4120% | 6,045 |
| Loan and lease loss provision to assets | 0.2452% | 4,085 |
| Net operating income to assets | 0.2768% | 5,390 |
| Return on assets (ROA) | 0.2768% | 5,519 |
| Pretax return on assets | 0.4274% | 5,203 |
| Return on Equity (ROE) | 3.0037% | 5,335 |
| Retained earnings to average equity (ytd only) | 1.9581% | 4,958 |
| Net charge-offs to loans | 0.0338% | 5,104 |
| Credit loss provision to net charge-offs | 933.3333% | 496 |
| Earnings coverage of net charge-offs (x) | 25.6000% | 979 |
| Efficiency ratio | 78.1942% | 2,862 |
| Assets per employee ($millions) | 3.6019% | 4,814 |
| Cash dividends to net income (ytd only)* | 34.8101% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 6,113 |
| Loan loss allowance to noncurrent loans | 58.3716% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 2.6544% | 2,740 |
| Noncurrent loans to loans | 1.8467% | 3,994 |
| Net loans and leases to total assets | 75.9187% | 1,557 |
| Net loans and leases to deposits | 83.6894% | 2,991 |
| Net loans and leases to core deposits | 92.8212% | 3,001 |
| Total domestic deposits to total assets | 90.7149% | 649 |
| Equity capital to assets | 9.1611% | 5,047 |
| Core capital (leverage) ratio | 9.2963% | 4,067 |
| Tier 1 risk-based capital ratio | 12.3073% | 4,896 |
| Total risk-based capital ratio | 13.4062% | 4,999 |
| Memoranda: | ||
| Average total assets | $228,356,500 | 2,892 |
| Average earning assets | $208,768,000 | 2,887 |
| Average equity | $21,041,000 | 3,062 |
| Average total loans | $177,558,000 | 2,509 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 5,922 |
| Cost of funding earning assets | 2.1245% | 2,349 |
| Net interest margin | 3.0155% | 6,607 |
| Noninterest income to average assets | 0.4538% | 4,773 |
| Noninterest expense to average assets | 2.4231% | 6,398 |
| Loan and lease loss provision to assets | 0.2303% | 5,527 |
| Net operating income to assets | 0.4373% | 3,980 |
| Return on assets (ROA) | 0.4280% | 4,118 |
| Pretax return on assets | 0.5708% | 3,985 |
| Return on Equity (ROE) | 4.6879% | 3,801 |
| Retained earnings to average equity (ytd only) | 3.5828% | 2,674 |
| Net charge-offs to loans | 0.0231% | 6,916 |
| Credit loss provision to net charge-offs | 1,315.7895% | 229 |
| Earnings coverage of net charge-offs (x) | 46.4737% | 550 |
| Efficiency ratio | 74.8648% | 3,732 |
| Assets per employee ($millions) | 3.5904% | 4,806 |
| Cash dividends to net income (ytd only)* | 23.5737% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 6,384 |
| Loan loss allowance to noncurrent loans | 71.9128% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.2609% | 3,050 |
| Noncurrent loans to loans | 1.3906% | 4,594 |
| Net loans and leases to total assets | 77.9950% | 1,385 |
| Net loans and leases to deposits | 86.4579% | 2,831 |
| Net loans and leases to core deposits | 130.6883% | 1,245 |
| Total domestic deposits to total assets | 90.2115% | 877 |
| Equity capital to assets | 9.2682% | 4,741 |
| Core capital (leverage) ratio | 9.3196% | 3,946 |
| Tier 1 risk-based capital ratio | 12.3692% | 4,624 |
| Total risk-based capital ratio | 13.4062% | 4,773 |
| Memoranda: | ||
| Average total assets | $217,079,600 | 2,981 |
| Average earning assets | $200,332,400 | 2,963 |
| Average equity | $19,816,800 | 3,229 |
| Average total loans | $164,823,800 | 2,689 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 6,045 |
| Cost of funding earning assets | 2.1907% | 2,451 |
| Net interest margin | 2.9739% | 6,675 |
| Noninterest income to average assets | 0.4482% | 4,907 |
| Noninterest expense to average assets | 2.3829% | 6,469 |
| Loan and lease loss provision to assets | 0.2017% | 5,372 |
| Net operating income to assets | 0.4201% | 4,320 |
| Return on assets (ROA) | 0.3935% | 4,523 |
| Pretax return on assets | 0.5773% | 4,269 |
| Return on Equity (ROE) | 4.3283% | 4,239 |
| Retained earnings to average equity (ytd only) | 3.5432% | 3,309 |
| Net charge-offs to loans | 0.0289% | 6,477 |
| Credit loss provision to net charge-offs | 928.5714% | 401 |
| Earnings coverage of net charge-offs (x) | 37.6535% | 784 |
| Efficiency ratio | 74.4425% | 3,795 |
| Assets per employee ($millions) | 3.5962% | 4,698 |
| Cash dividends to net income (ytd only)* | 18.1389% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 6,625 |
| Loan loss allowance to noncurrent loans | 72.6862% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 2.0370% | 3,298 |
| Noncurrent loans to loans | 1.2839% | 4,794 |
| Net loans and leases to total assets | 75.4341% | 2,112 |
| Net loans and leases to deposits | 87.5269% | 3,052 |
| Net loans and leases to core deposits | 131.8630% | 1,333 |
| Total domestic deposits to total assets | 86.1839% | 2,600 |
| Equity capital to assets | 9.1569% | 5,245 |
| Core capital (leverage) ratio | 9.5219% | 3,883 |
| Tier 1 risk-based capital ratio | 12.6540% | 4,434 |
| Total risk-based capital ratio | 13.6212% | 4,600 |
| Memoranda: | ||
| Average total assets | $214,801,000 | 3,029 |
| Average earning assets | $198,839,250 | 3,001 |
| Average equity | $19,530,000 | 3,311 |
| Average total loans | $161,479,250 | 2,766 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2579% | 5,834 |
| Cost of funding earning assets | 2.2863% | 2,406 |
| Net interest margin | 2.9716% | 6,630 |
| Noninterest income to average assets | 0.4486% | 4,857 |
| Noninterest expense to average assets | 2.3027% | 6,753 |
| Loan and lease loss provision to assets | 0.1186% | 5,946 |
| Net operating income to assets | 0.5313% | 3,978 |
| Return on assets (ROA) | 0.4752% | 4,305 |
| Pretax return on assets | 0.6961% | 4,008 |
| Return on Equity (ROE) | 5.2393% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.6118% | 2,728 |
| Net charge-offs to loans | 0.0469% | 5,819 |
| Credit loss provision to net charge-offs | 337.8378% | 1,376 |
| Earnings coverage of net charge-offs (x) | 25.5676% | 1,116 |
| Efficiency ratio | 71.9621% | 4,419 |
| Assets per employee ($millions) | 3.4497% | 4,949 |
| Cash dividends to net income (ytd only)* | 11.9760% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 6,914 |
| Loan loss allowance to noncurrent loans | 118.0218% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 6,051 |
| Noncurrent loans to loans | 0.7345% | 5,774 |
| Net loans and leases to total assets | 74.0906% | 2,678 |
| Net loans and leases to deposits | 84.0766% | 3,866 |
| Net loans and leases to core deposits | 122.8858% | 2,122 |
| Total domestic deposits to total assets | 88.1227% | 1,705 |
| Equity capital to assets | 9.2900% | 4,893 |
| Core capital (leverage) ratio | 9.7755% | 3,548 |
| Tier 1 risk-based capital ratio | 13.2756% | 3,954 |
| Total risk-based capital ratio | 14.1664% | 4,121 |
| Memoranda: | ||
| Average total assets | $210,880,670 | 3,097 |
| Average earning assets | $195,248,330 | 3,074 |
| Average equity | $19,124,670 | 3,373 |
| Average total loans | $157,800,670 | 2,859 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3124% | 5,845 |
| Cost of funding earning assets | 2.3870% | 2,346 |
| Net interest margin | 2.9254% | 6,682 |
| Noninterest income to average assets | 0.4276% | 4,979 |
| Noninterest expense to average assets | 2.3481% | 6,374 |
| Loan and lease loss provision to assets | 0.0963% | 5,730 |
| Net operating income to assets | 0.4648% | 4,592 |
| Return on assets (ROA) | 0.4700% | 4,753 |
| Pretax return on assets | 0.6915% | 4,460 |
| Return on Equity (ROE) | 5.2496% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.2496% | 2,993 |
| Net charge-offs to loans | 0.0437% | 4,867 |
| Credit loss provision to net charge-offs | 294.1176% | 1,652 |
| Earnings coverage of net charge-offs (x) | 23.8235% | 1,263 |
| Efficiency ratio | 75.0616% | 3,651 |
| Assets per employee ($millions) | 3.4299% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 6,917 |
| Loan loss allowance to noncurrent loans | 113.9848% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 5,799 |
| Noncurrent loans to loans | 0.7537% | 5,542 |
| Net loans and leases to total assets | 73.4221% | 2,909 |
| Net loans and leases to deposits | 81.5331% | 4,364 |
| Net loans and leases to core deposits | 118.5760% | 2,545 |
| Total domestic deposits to total assets | 90.0519% | 779 |
| Equity capital to assets | 9.6927% | 4,394 |
| Core capital (leverage) ratio | 10.0170% | 3,388 |
| Tier 1 risk-based capital ratio | 13.4902% | 3,868 |
| Total risk-based capital ratio | 14.3683% | 4,014 |
| Memoranda: | ||
| Average total assets | $207,656,000 | 3,144 |
| Average earning assets | $191,703,000 | 3,131 |
| Average equity | $18,592,000 | 3,472 |
| Average total loans | $155,486,500 | 2,923 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9850% | 5,619 |
| Cost of funding earning assets | 3.2520% | 1,041 |
| Net interest margin | 2.7329% | 7,440 |
| Noninterest income to average assets | 0.4371% | 5,148 |
| Noninterest expense to average assets | 2.3110% | 6,663 |
| Loan and lease loss provision to assets | 0.1490% | 5,451 |
| Net operating income to assets | 0.3661% | 5,289 |
| Return on assets (ROA) | 0.4445% | 4,798 |
| Pretax return on assets | 0.6194% | 4,628 |
| Return on Equity (ROE) | 5.5744% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.9660% | 2,047 |
| Net charge-offs to loans | -0.0083% | 7,833 |
| Credit loss provision to net charge-offs | -2,763.6364% | 7,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7961% | 2,950 |
| Assets per employee ($millions) | 3.2687% | 5,293 |
| Cash dividends to net income (ytd only)* | 10.9151% | 4,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 6,852 |
| Loan loss allowance to noncurrent loans | 90.5350% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 5,067 |
| Noncurrent loans to loans | 0.9499% | 4,703 |
| Net loans and leases to total assets | 75.0846% | 2,865 |
| Net loans and leases to deposits | 82.0690% | 4,717 |
| Net loans and leases to core deposits | 118.0315% | 2,877 |
| Total domestic deposits to total assets | 91.4896% | 208 |
| Equity capital to assets | 8.1773% | 6,583 |
| Core capital (leverage) ratio | 8.0494% | 6,407 |
| Tier 1 risk-based capital ratio | 11.0693% | 5,668 |
| Total risk-based capital ratio | 11.9543% | 5,905 |
| Memoranda: | ||
| Average total assets | $204,063,800 | 3,084 |
| Average earning assets | $189,173,000 | 3,055 |
| Average equity | $16,270,800 | 3,870 |
| Average total loans | $133,271,600 | 3,214 |