Home > Anchor D Bank > Performance and Condition Ratios
Anchor D 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 | 6.1761% | 512 |
| Cost of funding earning assets | 2.2197% | 619 |
| Net interest margin | 3.9564% | 1,271 |
| Noninterest income to average assets | 0.9800% | 657 |
| Noninterest expense to average assets | 2.4502% | 2,445 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 2.0477% | 439 |
| Return on assets (ROA) | 1.9676% | 467 |
| Pretax return on assets | 1.9676% | 706 |
| Return on Equity (ROE) | 24.0300% | 350 |
| Retained earnings to average equity (ytd only) | 12.0131% | 631 |
| Net charge-offs to loans | -0.0205% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.1594% | 3,740 |
| Assets per employee ($millions) | 6.7241% | 2,256 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1296% | 2,663 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 3,723 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 60.1900% | 2,827 |
| Net loans and leases to deposits | 70.0236% | 2,889 |
| Net loans and leases to core deposits | 94.6158% | 1,731 |
| Total domestic deposits to total assets | 85.9500% | 2,036 |
| Equity capital to assets | 8.2419% | 3,247 |
| Core capital (leverage) ratio | 9.7678% | 3,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2062% | 2,783 |
| Memoranda: | ||
| Average total assets | $323,441,000 | 2,300 |
| Average earning assets | $296,706,600 | 2,324 |
| Average equity | $26,487,800 | 2,434 |
| Average total loans | $185,475,400 | 2,392 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0157% | 523 |
| Cost of funding earning assets | 1.9985% | 707 |
| Net interest margin | 4.0172% | 1,194 |
| Noninterest income to average assets | 1.1600% | 521 |
| Noninterest expense to average assets | 2.3329% | 2,698 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 2.3572% | 306 |
| Return on assets (ROA) | 2.2488% | 344 |
| Pretax return on assets | 2.2488% | 521 |
| Return on Equity (ROE) | 27.5100% | 294 |
| Retained earnings to average equity (ytd only) | 17.6929% | 354 |
| Net charge-offs to loans | -0.0289% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.1930% | 4,032 |
| Assets per employee ($millions) | 6.3674% | 2,433 |
| Cash dividends to net income (ytd only)* | 35.6784% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 2,381 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 3,765 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.7800% | 2,964 |
| Net loans and leases to deposits | 74.9587% | 2,497 |
| Net loans and leases to core deposits | 103.3660% | 1,149 |
| Total domestic deposits to total assets | 78.4200% | 3,770 |
| Equity capital to assets | 7.9597% | 3,075 |
| Core capital (leverage) ratio | 10.1272% | 2,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $318,568,750 | 2,326 |
| Average earning assets | $291,872,250 | 2,353 |
| Average equity | $26,043,750 | 2,443 |
| Average total loans | $179,656,250 | 2,453 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7855% | 566 |
| Cost of funding earning assets | 1.7703% | 785 |
| Net interest margin | 4.0152% | 1,215 |
| Noninterest income to average assets | 1.4900% | 328 |
| Noninterest expense to average assets | 2.3398% | 2,681 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 2.6031% | 220 |
| Return on assets (ROA) | 2.4384% | 257 |
| Pretax return on assets | 2.4384% | 386 |
| Return on Equity (ROE) | 29.5500% | 222 |
| Retained earnings to average equity (ytd only) | 25.3739% | 119 |
| Net charge-offs to loans | -0.0449% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.2399% | 4,198 |
| Assets per employee ($millions) | 6.2286% | 2,522 |
| Cash dividends to net income (ytd only)* | 14.1404% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 1,927 |
| Loan loss allowance to noncurrent loans | 2,407.1429% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 3,370 |
| Noncurrent loans to loans | 0.0541% | 3,313 |
| Net loans and leases to total assets | 56.3100% | 3,098 |
| Net loans and leases to deposits | 72.9663% | 2,581 |
| Net loans and leases to core deposits | 90.1441% | 1,788 |
| Total domestic deposits to total assets | 77.1700% | 3,930 |
| Equity capital to assets | 8.3448% | 2,993 |
| Core capital (leverage) ratio | 10.3620% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $314,389,667 | 2,358 |
| Average earning assets | $288,203,667 | 2,383 |
| Average equity | $25,940,000 | 2,466 |
| Average total loans | $173,878,333 | 2,493 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6548% | 478 |
| Cost of funding earning assets | 1.7120% | 560 |
| Net interest margin | 3.9427% | 1,380 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.2868% | 2,853 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.7176% | 794 |
| Return on assets (ROA) | 1.3864% | 1,414 |
| Pretax return on assets | 1.3864% | 1,915 |
| Return on Equity (ROE) | 16.9000% | 1,191 |
| Retained earnings to average equity (ytd only) | 16.9005% | 603 |
| Net charge-offs to loans | -0.0987% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.5107% | 3,455 |
| Assets per employee ($millions) | 5.8068% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,441 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 3,771 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 54.9900% | 3,120 |
| Net loans and leases to deposits | 66.6793% | 2,876 |
| Net loans and leases to core deposits | 82.2476% | 2,104 |
| Total domestic deposits to total assets | 82.4700% | 3,410 |
| Equity capital to assets | 8.7519% | 2,695 |
| Core capital (leverage) ratio | 9.9691% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1857% | 2,665 |
| Memoranda: | ||
| Average total assets | $312,754,500 | 2,398 |
| Average earning assets | $286,909,000 | 2,417 |
| Average equity | $25,656,000 | 2,509 |
| Average total loans | $170,206,500 | 2,542 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 1,651 |
| Cost of funding earning assets | 0.6200% | 830 |
| Net interest margin | 3.4051% | 2,241 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.5506% | 1,967 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1091% | 2,133 |
| Return on assets (ROA) | 0.4753% | 4,090 |
| Pretax return on assets | 0.4753% | 4,201 |
| Return on Equity (ROE) | 5.1900% | 3,984 |
| Retained earnings to average equity (ytd only) | 1.9405% | 3,989 |
| Net charge-offs to loans | 0.0156% | 1,808 |
| Credit loss provision to net charge-offs | 895.8333% | 466 |
| Earnings coverage of net charge-offs (x) | 143.4167% | 810 |
| Efficiency ratio | 68.3145% | 1,925 |
| Assets per employee ($millions) | 5.8842% | 2,867 |
| Cash dividends to net income (ytd only)* | 62.6175% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 2,581 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,801 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.5900% | 3,316 |
| Net loans and leases to deposits | 67.0102% | 2,814 |
| Net loans and leases to core deposits | 81.0309% | 2,075 |
| Total domestic deposits to total assets | 78.4800% | 4,047 |
| Equity capital to assets | 7.6719% | 3,274 |
| Core capital (leverage) ratio | 9.4425% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6564% | 2,823 |
| Memoranda: | ||
| Average total assets | $290,946,800 | 2,494 |
| Average earning assets | $266,602,000 | 2,511 |
| Average equity | $26,642,400 | 2,501 |
| Average total loans | $154,033,600 | 2,599 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6756% | 2,110 |
| Cost of funding earning assets | 0.4234% | 1,132 |
| Net interest margin | 3.2522% | 2,451 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.4734% | 2,088 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0967% | 2,119 |
| Return on assets (ROA) | 0.7139% | 3,476 |
| Pretax return on assets | 0.7139% | 3,774 |
| Return on Equity (ROE) | 7.4600% | 3,474 |
| Retained earnings to average equity (ytd only) | 4.0721% | 3,419 |
| Net charge-offs to loans | -0.0089% | 3,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.0738% | 2,014 |
| Assets per employee ($millions) | 5.5358% | 3,180 |
| Cash dividends to net income (ytd only)* | 45.4008% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,297 |
| Loan loss allowance to noncurrent loans | 5,316.6667% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,722 |
| Noncurrent loans to loans | 0.0234% | 3,735 |
| Net loans and leases to total assets | 51.8000% | 3,294 |
| Net loans and leases to deposits | 66.0207% | 2,720 |
| Net loans and leases to core deposits | 75.8237% | 2,208 |
| Total domestic deposits to total assets | 78.4600% | 4,224 |
| Equity capital to assets | 8.1183% | 2,826 |
| Core capital (leverage) ratio | 9.9011% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3155% | 1,932 |
| Memoranda: | ||
| Average total assets | $284,247,000 | 2,553 |
| Average earning assets | $260,411,750 | 2,570 |
| Average equity | $27,208,750 | 2,501 |
| Average total loans | $150,274,250 | 2,639 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3854% | 2,483 |
| Cost of funding earning assets | 0.3224% | 1,509 |
| Net interest margin | 3.0630% | 2,668 |
| Noninterest income to average assets | 0.6913% | 1,379 |
| Noninterest expense to average assets | 2.4424% | 2,108 |
| Loan and lease loss provision to assets | 0.0640% | 1,455 |
| Net operating income to assets | 0.9957% | 2,173 |
| Return on assets (ROA) | 0.9780% | 2,209 |
| Pretax return on assets | 0.9780% | 2,809 |
| Return on Equity (ROE) | 9.7041% | 2,446 |
| Retained earnings to average equity (ytd only) | 7.0222% | 1,984 |
| Net charge-offs to loans | -0.0040% | 3,275 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7400% | 1,996 |
| Assets per employee ($millions) | 5.4416% | 3,280 |
| Cash dividends to net income (ytd only)* | 27.6364% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 2,417 |
| Loan loss allowance to noncurrent loans | 4,541.4634% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 3,748 |
| Noncurrent loans to loans | 0.0276% | 3,753 |
| Net loans and leases to total assets | 50.8521% | 3,287 |
| Net loans and leases to deposits | 62.7142% | 2,835 |
| Net loans and leases to core deposits | 71.8469% | 2,356 |
| Total domestic deposits to total assets | 81.0855% | 4,119 |
| Equity capital to assets | 8.9822% | 2,396 |
| Core capital (leverage) ratio | 10.2564% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4311% | 1,890 |
| Memoranda: | ||
| Average total assets | $281,196,667 | 2,580 |
| Average earning assets | $258,051,000 | 2,610 |
| Average equity | $28,338,667 | 2,505 |
| Average total loans | $149,069,333 | 2,653 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3078% | 2,366 |
| Cost of funding earning assets | 0.2999% | 1,661 |
| Net interest margin | 3.0079% | 2,472 |
| Noninterest income to average assets | 0.8314% | 969 |
| Noninterest expense to average assets | 2.3992% | 2,165 |
| Loan and lease loss provision to assets | 0.0648% | 1,258 |
| Net operating income to assets | 1.1283% | 1,445 |
| Return on assets (ROA) | 1.0922% | 1,544 |
| Pretax return on assets | 1.0922% | 2,168 |
| Return on Equity (ROE) | 10.2587% | 1,866 |
| Retained earnings to average equity (ytd only) | 10.2587% | 959 |
| Net charge-offs to loans | -0.0027% | 3,156 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7870% | 2,665 |
| Assets per employee ($millions) | 5.1838% | 3,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 3,962 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 52.5171% | 2,940 |
| Net loans and leases to deposits | 62.9121% | 2,635 |
| Net loans and leases to core deposits | 73.5290% | 1,972 |
| Total domestic deposits to total assets | 83.4769% | 3,868 |
| Equity capital to assets | 9.9777% | 1,906 |
| Core capital (leverage) ratio | 10.7413% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3197% | 1,421 |
| Memoranda: | ||
| Average total assets | $277,593,500 | 2,610 |
| Average earning assets | $254,792,500 | 2,654 |
| Average equity | $29,555,500 | 2,508 |
| Average total loans | $149,343,500 | 2,634 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4242% | 2,871 |
| Cost of funding earning assets | 0.3964% | 1,569 |
| Net interest margin | 3.0278% | 3,120 |
| Noninterest income to average assets | 0.9523% | 1,092 |
| Noninterest expense to average assets | 2.6758% | 1,698 |
| Loan and lease loss provision to assets | -0.1605% | 4,647 |
| Net operating income to assets | 1.2203% | 1,854 |
| Return on assets (ROA) | 1.5871% | 874 |
| Pretax return on assets | 1.5871% | 1,460 |
| Return on Equity (ROE) | 13.0292% | 1,458 |
| Retained earnings to average equity (ytd only) | 13.0292% | 399 |
| Net charge-offs to loans | -0.2776% | 4,741 |
| Credit loss provision to net charge-offs | 105.8201% | 1,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6296% | 1,549 |
| Assets per employee ($millions) | 5.3973% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,044 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 53.8013% | 2,874 |
| Net loans and leases to deposits | 63.4833% | 2,736 |
| Net loans and leases to core deposits | 73.4981% | 2,117 |
| Total domestic deposits to total assets | 84.7488% | 3,343 |
| Equity capital to assets | 11.3277% | 1,587 |
| Core capital (leverage) ratio | 11.5322% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5368% | 1,676 |
| Memoranda: | ||
| Average total assets | $249,198,000 | 2,737 |
| Average earning assets | $229,078,200 | 2,755 |
| Average equity | $30,354,800 | 2,512 |
| Average total loans | $136,149,800 | 2,770 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 2,800 |
| Cost of funding earning assets | 0.4261% | 1,512 |
| Net interest margin | 3.0849% | 3,092 |
| Noninterest income to average assets | 1.0669% | 971 |
| Noninterest expense to average assets | 2.5767% | 1,908 |
| Loan and lease loss provision to assets | -0.2196% | 4,767 |
| Net operating income to assets | 1.5460% | 1,157 |
| Return on assets (ROA) | 2.0482% | 452 |
| Pretax return on assets | 2.0482% | 739 |
| Return on Equity (ROE) | 16.4870% | 852 |
| Retained earnings to average equity (ytd only) | 16.4870% | 267 |
| Net charge-offs to loans | -0.4541% | 4,833 |
| Credit loss provision to net charge-offs | 88.4956% | 1,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0191% | 2,096 |
| Assets per employee ($millions) | 4.7356% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 1,822 |
| Loan loss allowance to noncurrent loans | 2,456.0000% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,867 |
| Noncurrent loans to loans | 0.0590% | 3,807 |
| Net loans and leases to total assets | 50.8865% | 3,308 |
| Net loans and leases to deposits | 61.4586% | 3,100 |
| Net loans and leases to core deposits | 72.1089% | 2,417 |
| Total domestic deposits to total assets | 82.7980% | 3,759 |
| Equity capital to assets | 12.7399% | 1,077 |
| Core capital (leverage) ratio | 11.7408% | 1,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0649% | 1,120 |
| Memoranda: | ||
| Average total assets | $242,681,750 | 2,795 |
| Average earning assets | $223,104,000 | 2,819 |
| Average equity | $30,148,250 | 2,554 |
| Average total loans | $132,721,250 | 2,855 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5293% | 2,815 |
| Cost of funding earning assets | 0.4524% | 1,503 |
| Net interest margin | 3.0769% | 3,095 |
| Noninterest income to average assets | 1.2605% | 738 |
| Noninterest expense to average assets | 2.5409% | 2,023 |
| Loan and lease loss provision to assets | -0.3313% | 4,852 |
| Net operating income to assets | 1.8899% | 604 |
| Return on assets (ROA) | 2.6460% | 194 |
| Pretax return on assets | 2.6460% | 282 |
| Return on Equity (ROE) | 21.4860% | 351 |
| Retained earnings to average equity (ytd only) | 21.4860% | 120 |
| Net charge-offs to loans | -0.6702% | 4,882 |
| Credit loss provision to net charge-offs | 88.6918% | 1,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9798% | 2,729 |
| Assets per employee ($millions) | 4.6564% | 3,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 2,366 |
| Loan loss allowance to noncurrent loans | 2,454.6667% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,969 |
| Noncurrent loans to loans | 0.0536% | 3,906 |
| Net loans and leases to total assets | 55.9896% | 2,899 |
| Net loans and leases to deposits | 67.4186% | 2,684 |
| Net loans and leases to core deposits | 79.1158% | 1,951 |
| Total domestic deposits to total assets | 83.0477% | 3,697 |
| Equity capital to assets | 12.5055% | 1,130 |
| Core capital (leverage) ratio | 11.4188% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5963% | 1,016 |
| Memoranda: | ||
| Average total assets | $241,492,333 | 2,800 |
| Average earning assets | $222,822,667 | 2,813 |
| Average equity | $29,740,333 | 2,576 |
| Average total loans | $134,578,333 | 2,836 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 2,664 |
| Cost of funding earning assets | 0.4870% | 1,475 |
| Net interest margin | 3.1054% | 2,968 |
| Noninterest income to average assets | 1.3515% | 715 |
| Noninterest expense to average assets | 2.5154% | 2,141 |
| Loan and lease loss provision to assets | -0.6699% | 4,945 |
| Net operating income to assets | 2.3681% | 330 |
| Return on assets (ROA) | 3.8988% | 92 |
| Pretax return on assets | 3.8988% | 110 |
| Return on Equity (ROE) | 31.9128% | 112 |
| Retained earnings to average equity (ytd only) | 31.9128% | 68 |
| Net charge-offs to loans | -1.3621% | 4,921 |
| Credit loss provision to net charge-offs | 89.0869% | 1,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6979% | 3,066 |
| Assets per employee ($millions) | 4.6853% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 1,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,294 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.3015% | 3,309 |
| Net loans and leases to deposits | 64.2927% | 3,099 |
| Net loans and leases to core deposits | 74.8103% | 2,446 |
| Total domestic deposits to total assets | 82.9043% | 3,706 |
| Equity capital to assets | 12.2581% | 1,171 |
| Core capital (leverage) ratio | 11.7360% | 1,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7615% | 1,113 |
| Memoranda: | ||
| Average total assets | $238,845,000 | 2,808 |
| Average earning assets | $220,134,500 | 2,820 |
| Average equity | $29,179,500 | 2,609 |
| Average total loans | $131,859,500 | 2,879 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 2,360 |
| Cost of funding earning assets | 0.8790% | 913 |
| Net interest margin | 3.2434% | 3,234 |
| Noninterest income to average assets | 0.6566% | 1,996 |
| Noninterest expense to average assets | 2.5817% | 2,612 |
| Loan and lease loss provision to assets | 0.0905% | 3,234 |
| Net operating income to assets | 0.9773% | 2,367 |
| Return on assets (ROA) | 1.5130% | 853 |
| Pretax return on assets | 1.5130% | 1,292 |
| Return on Equity (ROE) | 13.0896% | 1,021 |
| Retained earnings to average equity (ytd only) | 7.4427% | 1,216 |
| Net charge-offs to loans | 0.2209% | 785 |
| Credit loss provision to net charge-offs | 70.5085% | 3,040 |
| Earnings coverage of net charge-offs (x) | 8.3186% | 2,614 |
| Efficiency ratio | 70.7404% | 1,847 |
| Assets per employee ($millions) | 4.5011% | 3,916 |
| Cash dividends to net income (ytd only)* | 43.1406% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 2,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.6399% | 3,332 |
| Net loans and leases to deposits | 68.8316% | 3,001 |
| Net loans and leases to core deposits | 79.9749% | 2,361 |
| Total domestic deposits to total assets | 80.8348% | 3,901 |
| Equity capital to assets | 12.1741% | 1,487 |
| Core capital (leverage) ratio | 11.0015% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1391% | 1,811 |
| Memoranda: | ||
| Average total assets | $229,807,200 | 2,718 |
| Average earning assets | $212,061,600 | 2,735 |
| Average equity | $26,563,000 | 2,705 |
| Average total loans | $133,546,400 | 2,823 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2256% | 2,320 |
| Cost of funding earning assets | 0.9848% | 800 |
| Net interest margin | 3.2408% | 3,364 |
| Noninterest income to average assets | 0.6732% | 1,889 |
| Noninterest expense to average assets | 2.4498% | 2,991 |
| Loan and lease loss provision to assets | 0.1211% | 2,819 |
| Net operating income to assets | 1.0906% | 2,012 |
| Return on assets (ROA) | 1.8081% | 492 |
| Pretax return on assets | 1.8081% | 765 |
| Return on Equity (ROE) | 15.8583% | 562 |
| Retained earnings to average equity (ytd only) | 15.8583% | 164 |
| Net charge-offs to loans | 0.2937% | 537 |
| Credit loss provision to net charge-offs | 70.5085% | 2,806 |
| Earnings coverage of net charge-offs (x) | 7.0475% | 2,604 |
| Efficiency ratio | 66.9054% | 2,328 |
| Assets per employee ($millions) | 4.4628% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 1,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 57.3197% | 3,492 |
| Net loans and leases to deposits | 76.1915% | 2,731 |
| Net loans and leases to core deposits | 95.5899% | 1,491 |
| Total domestic deposits to total assets | 75.2311% | 4,484 |
| Equity capital to assets | 12.7041% | 1,330 |
| Core capital (leverage) ratio | 11.5416% | 1,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4729% | 1,667 |
| Memoranda: | ||
| Average total assets | $228,745,250 | 2,710 |
| Average earning assets | $210,931,250 | 2,719 |
| Average equity | $26,080,250 | 2,728 |
| Average total loans | $133,928,250 | 2,826 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 2,418 |
| Cost of funding earning assets | 1.1304% | 654 |
| Net interest margin | 3.1905% | 3,695 |
| Noninterest income to average assets | 0.7027% | 1,727 |
| Noninterest expense to average assets | 2.4030% | 3,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2439% | 1,509 |
| Return on assets (ROA) | 2.3542% | 191 |
| Pretax return on assets | 2.3542% | 278 |
| Return on Equity (ROE) | 21.4598% | 186 |
| Retained earnings to average equity (ytd only) | 21.4598% | 79 |
| Net charge-offs to loans | 0.4595% | 345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.6117% | 2,583 |
| Efficiency ratio | 65.8928% | 2,534 |
| Assets per employee ($millions) | 4.8325% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 57.0760% | 3,599 |
| Net loans and leases to deposits | 75.6147% | 2,913 |
| Net loans and leases to core deposits | 93.8758% | 1,752 |
| Total domestic deposits to total assets | 75.4827% | 4,477 |
| Equity capital to assets | 11.9952% | 1,664 |
| Core capital (leverage) ratio | 11.2240% | 1,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6252% | 1,592 |
| Memoranda: | ||
| Average total assets | $229,125,667 | 2,686 |
| Average earning assets | $211,438,667 | 2,703 |
| Average equity | $25,135,333 | 2,769 |
| Average total loans | $134,487,000 | 2,812 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 2,092 |
| Cost of funding earning assets | 1.3200% | 534 |
| Net interest margin | 3.2513% | 3,726 |
| Noninterest income to average assets | 0.5902% | 2,081 |
| Noninterest expense to average assets | 2.4241% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1559% | 1,671 |
| Return on assets (ROA) | 1.6723% | 597 |
| Pretax return on assets | 1.6723% | 905 |
| Return on Equity (ROE) | 16.0061% | 425 |
| Retained earnings to average equity (ytd only) | 16.0061% | 147 |
| Net charge-offs to loans | 0.0505% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 38.7059% | 1,044 |
| Efficiency ratio | 67.7134% | 2,721 |
| Assets per employee ($millions) | 4.7794% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,620 |
| Loan loss allowance to noncurrent loans | 418.9189% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 3,717 |
| Noncurrent loans to loans | 0.3394% | 3,281 |
| Net loans and leases to total assets | 56.2109% | 3,824 |
| Net loans and leases to deposits | 72.7892% | 3,375 |
| Net loans and leases to core deposits | 93.9268% | 1,986 |
| Total domestic deposits to total assets | 77.2243% | 4,323 |
| Equity capital to assets | 10.5945% | 3,232 |
| Core capital (leverage) ratio | 10.7164% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1861% | 1,850 |
| Memoranda: | ||
| Average total assets | $227,709,000 | 2,649 |
| Average earning assets | $209,393,000 | 2,671 |
| Average equity | $23,791,000 | 2,867 |
| Average total loans | $134,750,000 | 2,781 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 1,091 |
| Cost of funding earning assets | 1.6035% | 298 |
| Net interest margin | 3.5549% | 3,273 |
| Noninterest income to average assets | 0.6571% | 1,977 |
| Noninterest expense to average assets | 2.6736% | 2,959 |
| Loan and lease loss provision to assets | 0.0888% | 2,247 |
| Net operating income to assets | 1.1655% | 2,195 |
| Return on assets (ROA) | 1.3604% | 1,552 |
| Pretax return on assets | 1.3604% | 2,297 |
| Return on Equity (ROE) | 12.9014% | 1,197 |
| Retained earnings to average equity (ytd only) | 9.2849% | 642 |
| Net charge-offs to loans | 0.1173% | 1,573 |
| Credit loss provision to net charge-offs | 118.7500% | 2,134 |
| Earnings coverage of net charge-offs (x) | 16.7750% | 2,143 |
| Efficiency ratio | 68.0666% | 2,448 |
| Assets per employee ($millions) | 4.6124% | 3,072 |
| Cash dividends to net income (ytd only)* | 28.0316% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 1,696 |
| Loan loss allowance to noncurrent loans | 127.9482% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 1,960 |
| Noncurrent loans to loans | 1.0578% | 1,430 |
| Net loans and leases to total assets | 60.5331% | 3,543 |
| Net loans and leases to deposits | 71.2874% | 3,567 |
| Net loans and leases to core deposits | 99.3342% | 1,620 |
| Total domestic deposits to total assets | 84.9142% | 2,526 |
| Equity capital to assets | 10.2992% | 3,629 |
| Core capital (leverage) ratio | 10.0731% | 3,437 |
| Tier 1 risk-based capital ratio | 14.3095% | 3,113 |
| Total risk-based capital ratio | 15.4868% | 3,066 |
| Memoranda: | ||
| Average total assets | $213,982,400 | 2,718 |
| Average earning assets | $196,881,400 | 2,733 |
| Average equity | $22,563,400 | 2,909 |
| Average total loans | $136,346,800 | 2,761 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1967% | 1,046 |
| Cost of funding earning assets | 1.6006% | 294 |
| Net interest margin | 3.5961% | 3,262 |
| Noninterest income to average assets | 0.6579% | 1,955 |
| Noninterest expense to average assets | 2.5917% | 3,185 |
| Loan and lease loss provision to assets | 0.1201% | 1,629 |
| Net operating income to assets | 1.2601% | 1,986 |
| Return on assets (ROA) | 1.3733% | 1,631 |
| Pretax return on assets | 1.3733% | 2,410 |
| Return on Equity (ROE) | 12.9429% | 1,294 |
| Retained earnings to average equity (ytd only) | 12.9429% | 285 |
| Net charge-offs to loans | 0.0079% | 3,097 |
| Credit loss provision to net charge-offs | 2,375.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 272.9082% | 338 |
| Efficiency ratio | 65.2506% | 2,817 |
| Assets per employee ($millions) | 4.8959% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,534 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 61.6378% | 3,528 |
| Net loans and leases to deposits | 76.7586% | 3,226 |
| Net loans and leases to core deposits | 115.3480% | 685 |
| Total domestic deposits to total assets | 80.3009% | 3,922 |
| Equity capital to assets | 10.4321% | 3,608 |
| Core capital (leverage) ratio | 10.0693% | 3,565 |
| Tier 1 risk-based capital ratio | 14.4137% | 3,130 |
| Total risk-based capital ratio | 15.6634% | 3,035 |
| Memoranda: | ||
| Average total assets | $210,976,250 | 2,766 |
| Average earning assets | $194,427,250 | 2,775 |
| Average equity | $22,385,000 | 2,947 |
| Average total loans | $135,762,000 | 2,798 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 1,044 |
| Cost of funding earning assets | 1.5093% | 370 |
| Net interest margin | 3.6602% | 3,071 |
| Noninterest income to average assets | 0.6530% | 1,908 |
| Noninterest expense to average assets | 2.5631% | 3,293 |
| Loan and lease loss provision to assets | 0.1857% | 954 |
| Net operating income to assets | 1.2727% | 1,872 |
| Return on assets (ROA) | 1.2972% | 1,842 |
| Pretax return on assets | 1.2972% | 2,567 |
| Return on Equity (ROE) | 12.1492% | 1,522 |
| Retained earnings to average equity (ytd only) | 12.1492% | 392 |
| Net charge-offs to loans | 0.0075% | 2,879 |
| Credit loss provision to net charge-offs | 3,800.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 298.4000% | 265 |
| Efficiency ratio | 63.7336% | 3,173 |
| Assets per employee ($millions) | 4.8723% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 1,363 |
| Loan loss allowance to noncurrent loans | 4,838.0952% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 4,696 |
| Noncurrent loans to loans | 0.0304% | 4,566 |
| Net loans and leases to total assets | 59.4666% | 3,787 |
| Net loans and leases to deposits | 78.8044% | 3,080 |
| Net loans and leases to core deposits | 109.8493% | 987 |
| Total domestic deposits to total assets | 75.4610% | 4,731 |
| Equity capital to assets | 10.0677% | 3,921 |
| Core capital (leverage) ratio | 10.5807% | 2,999 |
| Tier 1 risk-based capital ratio | 14.3369% | 3,149 |
| Total risk-based capital ratio | 15.5873% | 3,070 |
| Memoranda: | ||
| Average total assets | $204,599,330 | 2,832 |
| Average earning assets | $188,295,330 | 2,839 |
| Average equity | $21,845,000 | 2,986 |
| Average total loans | $133,062,000 | 2,833 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 768 |
| Cost of funding earning assets | 1.5004% | 324 |
| Net interest margin | 3.7919% | 2,558 |
| Noninterest income to average assets | 0.6528% | 1,814 |
| Noninterest expense to average assets | 2.7796% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3410% | 1,555 |
| Return on assets (ROA) | 1.3410% | 1,593 |
| Pretax return on assets | 1.3410% | 2,285 |
| Return on Equity (ROE) | 12.1469% | 1,481 |
| Retained earnings to average equity (ytd only) | 12.1469% | 588 |
| Net charge-offs to loans | -0.0031% | 3,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4571% | 2,720 |
| Assets per employee ($millions) | 4.0982% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 1,649 |
| Loan loss allowance to noncurrent loans | 4,400.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 4,752 |
| Noncurrent loans to loans | 0.0320% | 4,629 |
| Net loans and leases to total assets | 65.7598% | 3,089 |
| Net loans and leases to deposits | 82.7150% | 2,535 |
| Net loans and leases to core deposits | 105.7045% | 1,192 |
| Total domestic deposits to total assets | 79.5016% | 4,251 |
| Equity capital to assets | 11.0516% | 2,797 |
| Core capital (leverage) ratio | 10.9237% | 2,643 |
| Tier 1 risk-based capital ratio | 14.7980% | 2,965 |
| Total risk-based capital ratio | 16.0482% | 2,900 |
| Memoranda: | ||
| Average total assets | $192,399,500 | 2,971 |
| Average earning assets | $175,952,500 | 2,990 |
| Average equity | $21,240,000 | 3,052 |
| Average total loans | $130,488,000 | 2,899 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 519 |
| Cost of funding earning assets | 1.1022% | 490 |
| Net interest margin | 4.2598% | 1,246 |
| Noninterest income to average assets | 0.7866% | 1,491 |
| Noninterest expense to average assets | 3.2878% | 1,350 |
| Loan and lease loss provision to assets | 0.0056% | 4,003 |
| Net operating income to assets | 1.3598% | 1,574 |
| Return on assets (ROA) | 1.3598% | 1,559 |
| Pretax return on assets | 1.3598% | 2,274 |
| Return on Equity (ROE) | 10.3958% | 2,347 |
| Retained earnings to average equity (ytd only) | 2.6466% | 4,082 |
| Net charge-offs to loans | -0.0668% | 5,053 |
| Credit loss provision to net charge-offs | -11.5385% | 4,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6568% | 2,084 |
| Assets per employee ($millions) | 4.0018% | 3,890 |
| Cash dividends to net income (ytd only)* | 74.5413% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,551 |
| Loan loss allowance to noncurrent loans | 3,847.9167% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 4,738 |
| Noncurrent loans to loans | 0.0370% | 4,602 |
| Net loans and leases to total assets | 68.0130% | 2,882 |
| Net loans and leases to deposits | 81.5659% | 2,788 |
| Net loans and leases to core deposits | 103.2478% | 1,484 |
| Total domestic deposits to total assets | 83.3842% | 3,199 |
| Equity capital to assets | 11.0269% | 2,658 |
| Core capital (leverage) ratio | 11.6961% | 1,955 |
| Tier 1 risk-based capital ratio | 14.5055% | 3,057 |
| Total risk-based capital ratio | 15.7558% | 2,973 |
| Memoranda: | ||
| Average total assets | $160,319,800 | 3,275 |
| Average earning assets | $145,521,600 | 3,307 |
| Average equity | $20,970,000 | 2,997 |
| Average total loans | $116,760,000 | 3,031 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3549% | 468 |
| Cost of funding earning assets | 0.9707% | 682 |
| Net interest margin | 4.3842% | 933 |
| Noninterest income to average assets | 0.8076% | 1,446 |
| Noninterest expense to average assets | 3.2703% | 1,367 |
| Loan and lease loss provision to assets | 0.0078% | 3,819 |
| Net operating income to assets | 1.5108% | 1,168 |
| Return on assets (ROA) | 1.5108% | 1,165 |
| Pretax return on assets | 1.5108% | 1,865 |
| Return on Equity (ROE) | 11.0202% | 2,168 |
| Retained earnings to average equity (ytd only) | 11.0202% | 645 |
| Net charge-offs to loans | -0.0928% | 5,141 |
| Credit loss provision to net charge-offs | -11.3924% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2883% | 2,487 |
| Assets per employee ($millions) | 3.4751% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,364 |
| Loan loss allowance to noncurrent loans | 3,486.7925% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 4,824 |
| Noncurrent loans to loans | 0.0429% | 4,709 |
| Net loans and leases to total assets | 73.0076% | 2,166 |
| Net loans and leases to deposits | 90.0254% | 1,893 |
| Net loans and leases to core deposits | 119.2318% | 595 |
| Total domestic deposits to total assets | 81.0966% | 3,843 |
| Equity capital to assets | 13.0403% | 1,317 |
| Core capital (leverage) ratio | 13.6095% | 1,055 |
| Tier 1 risk-based capital ratio | 16.2652% | 2,352 |
| Total risk-based capital ratio | 17.5164% | 2,290 |
| Memoranda: | ||
| Average total assets | $153,378,250 | 3,377 |
| Average earning assets | $139,284,000 | 3,400 |
| Average equity | $21,027,500 | 3,003 |
| Average total loans | $113,507,500 | 3,112 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2987% | 474 |
| Cost of funding earning assets | 0.8079% | 1,095 |
| Net interest margin | 4.4908% | 713 |
| Noninterest income to average assets | 0.7750% | 1,554 |
| Noninterest expense to average assets | 3.3310% | 1,250 |
| Loan and lease loss provision to assets | 0.0121% | 3,616 |
| Net operating income to assets | 1.5084% | 1,140 |
| Return on assets (ROA) | 1.5084% | 1,134 |
| Pretax return on assets | 1.5084% | 1,787 |
| Return on Equity (ROE) | 10.8053% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.8053% | 708 |
| Net charge-offs to loans | -0.1598% | 5,285 |
| Credit loss provision to net charge-offs | -10.2273% | 3,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6600% | 2,534 |
| Assets per employee ($millions) | 3.2617% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6266% | 1,040 |
| Loan loss allowance to noncurrent loans | 3,095.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 4,836 |
| Noncurrent loans to loans | 0.0526% | 4,681 |
| Net loans and leases to total assets | 71.7361% | 2,317 |
| Net loans and leases to deposits | 89.4801% | 1,914 |
| Net loans and leases to core deposits | 110.6982% | 954 |
| Total domestic deposits to total assets | 80.1699% | 4,199 |
| Equity capital to assets | 13.5724% | 1,076 |
| Core capital (leverage) ratio | 14.1269% | 872 |
| Tier 1 risk-based capital ratio | 16.8900% | 2,133 |
| Total risk-based capital ratio | 18.1427% | 2,081 |
| Memoranda: | ||
| Average total assets | $148,902,330 | 3,450 |
| Average earning assets | $135,166,330 | 3,485 |
| Average equity | $20,786,000 | 3,052 |
| Average total loans | $110,133,670 | 3,168 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3104% | 400 |
| Cost of funding earning assets | 0.7811% | 1,037 |
| Net interest margin | 4.5293% | 584 |
| Noninterest income to average assets | 0.7472% | 1,634 |
| Noninterest expense to average assets | 3.4300% | 1,112 |
| Loan and lease loss provision to assets | 0.0248% | 3,194 |
| Net operating income to assets | 1.4172% | 1,297 |
| Return on assets (ROA) | 1.4172% | 1,306 |
| Pretax return on assets | 1.4172% | 1,951 |
| Return on Equity (ROE) | 10.0027% | 2,423 |
| Retained earnings to average equity (ytd only) | 10.0027% | 1,151 |
| Net charge-offs to loans | -0.3700% | 5,472 |
| Credit loss provision to net charge-offs | -9.0000% | 3,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4018% | 2,424 |
| Assets per employee ($millions) | 3.0857% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 857 |
| Loan loss allowance to noncurrent loans | 3,115.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,909 |
| Noncurrent loans to loans | 0.0563% | 4,724 |
| Net loans and leases to total assets | 70.7087% | 2,372 |
| Net loans and leases to deposits | 88.0793% | 1,919 |
| Net loans and leases to core deposits | 110.1924% | 994 |
| Total domestic deposits to total assets | 80.2784% | 4,371 |
| Equity capital to assets | 13.9867% | 896 |
| Core capital (leverage) ratio | 14.3045% | 809 |
| Tier 1 risk-based capital ratio | 17.5189% | 1,969 |
| Total risk-based capital ratio | 18.7727% | 1,922 |
| Memoranda: | ||
| Average total assets | $145,073,500 | 3,531 |
| Average earning assets | $132,118,000 | 3,564 |
| Average equity | $20,554,500 | 3,103 |
| Average total loans | $108,117,000 | 3,229 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1372% | 494 |
| Cost of funding earning assets | 0.6723% | 1,171 |
| Net interest margin | 4.4648% | 675 |
| Noninterest income to average assets | 0.7544% | 1,757 |
| Noninterest expense to average assets | 3.3076% | 1,366 |
| Loan and lease loss provision to assets | 0.0616% | 2,998 |
| Net operating income to assets | 1.4889% | 824 |
| Return on assets (ROA) | 1.6730% | 576 |
| Pretax return on assets | 1.6730% | 1,089 |
| Return on Equity (ROE) | 12.3860% | 1,109 |
| Retained earnings to average equity (ytd only) | 6.2567% | 1,407 |
| Net charge-offs to loans | 0.0253% | 3,301 |
| Credit loss provision to net charge-offs | 332.1429% | 869 |
| Earnings coverage of net charge-offs (x) | 83.6071% | 742 |
| Efficiency ratio | 68.0845% | 2,881 |
| Assets per employee ($millions) | 2.9591% | 5,227 |
| Cash dividends to net income (ytd only)* | 49.4854% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6053% | 1,134 |
| Loan loss allowance to noncurrent loans | 2,444.4444% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 4,878 |
| Noncurrent loans to loans | 0.0657% | 4,697 |
| Net loans and leases to total assets | 75.9510% | 1,606 |
| Net loans and leases to deposits | 94.0105% | 1,273 |
| Net loans and leases to core deposits | 118.6152% | 628 |
| Total domestic deposits to total assets | 80.7899% | 4,173 |
| Equity capital to assets | 14.3577% | 818 |
| Core capital (leverage) ratio | 13.7630% | 898 |
| Tier 1 risk-based capital ratio | 17.3279% | 1,986 |
| Total risk-based capital ratio | 18.5807% | 1,942 |
| Memoranda: | ||
| Average total assets | $150,986,200 | 3,459 |
| Average earning assets | $138,773,200 | 3,470 |
| Average equity | $20,394,000 | 3,096 |
| Average total loans | $110,827,600 | 3,168 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0336% | 573 |
| Cost of funding earning assets | 0.6449% | 1,274 |
| Net interest margin | 4.3887% | 741 |
| Noninterest income to average assets | 0.7562% | 1,752 |
| Noninterest expense to average assets | 3.1187% | 1,753 |
| Loan and lease loss provision to assets | 0.0809% | 2,469 |
| Net operating income to assets | 1.5950% | 726 |
| Return on assets (ROA) | 1.8004% | 479 |
| Pretax return on assets | 1.8004% | 893 |
| Return on Equity (ROE) | 13.5264% | 926 |
| Retained earnings to average equity (ytd only) | 13.5264% | 178 |
| Net charge-offs to loans | 0.0324% | 2,785 |
| Credit loss provision to net charge-offs | 344.4444% | 877 |
| Earnings coverage of net charge-offs (x) | 71.3317% | 880 |
| Efficiency ratio | 65.0454% | 3,369 |
| Assets per employee ($millions) | 3.1015% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,394 |
| Loan loss allowance to noncurrent loans | 2,379.7297% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 4,985 |
| Noncurrent loans to loans | 0.0647% | 4,815 |
| Net loans and leases to total assets | 75.6882% | 1,646 |
| Net loans and leases to deposits | 98.2004% | 894 |
| Net loans and leases to core deposits | 123.6720% | 471 |
| Total domestic deposits to total assets | 77.0752% | 4,874 |
| Equity capital to assets | 14.3967% | 885 |
| Core capital (leverage) ratio | 14.4972% | 768 |
| Tier 1 risk-based capital ratio | 17.4709% | 2,017 |
| Total risk-based capital ratio | 18.7230% | 1,964 |
| Memoranda: | ||
| Average total assets | $153,224,000 | 3,460 |
| Average earning assets | $140,995,250 | 3,464 |
| Average equity | $20,394,250 | 3,119 |
| Average total loans | $111,125,250 | 3,190 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 590 |
| Cost of funding earning assets | 0.6610% | 1,082 |
| Net interest margin | 4.3124% | 829 |
| Noninterest income to average assets | 0.7551% | 1,747 |
| Noninterest expense to average assets | 3.0542% | 1,961 |
| Loan and lease loss provision to assets | 0.0414% | 3,177 |
| Net operating income to assets | 1.6331% | 646 |
| Return on assets (ROA) | 1.9305% | 360 |
| Pretax return on assets | 1.9305% | 611 |
| Return on Equity (ROE) | 14.8943% | 680 |
| Retained earnings to average equity (ytd only) | 14.8943% | 145 |
| Net charge-offs to loans | 0.0473% | 2,270 |
| Credit loss provision to net charge-offs | 123.0769% | 1,756 |
| Earnings coverage of net charge-offs (x) | 49.8077% | 1,078 |
| Efficiency ratio | 64.5885% | 3,572 |
| Assets per employee ($millions) | 2.8685% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5877% | 1,288 |
| Loan loss allowance to noncurrent loans | 252.3739% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 3,227 |
| Noncurrent loans to loans | 0.6291% | 2,843 |
| Net loans and leases to total assets | 73.5126% | 1,960 |
| Net loans and leases to deposits | 90.8953% | 1,622 |
| Net loans and leases to core deposits | 118.1929% | 633 |
| Total domestic deposits to total assets | 80.8761% | 4,211 |
| Equity capital to assets | 14.5820% | 806 |
| Core capital (leverage) ratio | 13.6120% | 965 |
| Tier 1 risk-based capital ratio | 17.8847% | 1,893 |
| Total risk-based capital ratio | 19.1377% | 1,843 |
| Memoranda: | ||
| Average total assets | $154,674,000 | 3,458 |
| Average earning assets | $142,518,000 | 3,456 |
| Average equity | $20,048,000 | 3,155 |
| Average total loans | $110,020,000 | 3,221 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 677 |
| Cost of funding earning assets | 0.6540% | 1,058 |
| Net interest margin | 4.2049% | 980 |
| Noninterest income to average assets | 0.6962% | 1,988 |
| Noninterest expense to average assets | 2.9545% | 2,287 |
| Loan and lease loss provision to assets | 0.0799% | 2,213 |
| Net operating income to assets | 1.5446% | 754 |
| Return on assets (ROA) | 1.5446% | 775 |
| Pretax return on assets | 1.5446% | 1,396 |
| Return on Equity (ROE) | 12.6230% | 1,080 |
| Retained earnings to average equity (ytd only) | 12.6230% | 413 |
| Net charge-offs to loans | -0.0036% | 4,097 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5232% | 3,752 |
| Assets per employee ($millions) | 3.2558% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 1,366 |
| Loan loss allowance to noncurrent loans | 3,388.2353% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 5,185 |
| Noncurrent loans to loans | 0.0474% | 5,001 |
| Net loans and leases to total assets | 67.7839% | 2,711 |
| Net loans and leases to deposits | 89.6405% | 1,584 |
| Net loans and leases to core deposits | 116.2048% | 589 |
| Total domestic deposits to total assets | 75.6175% | 5,268 |
| Equity capital to assets | 12.8299% | 1,338 |
| Core capital (leverage) ratio | 12.2416% | 1,476 |
| Tier 1 risk-based capital ratio | 16.3160% | 2,428 |
| Total risk-based capital ratio | 17.5680% | 2,371 |
| Memoranda: | ||
| Average total assets | $160,299,500 | 3,424 |
| Average earning assets | $148,018,000 | 3,424 |
| Average equity | $19,615,000 | 3,215 |
| Average total loans | $111,462,500 | 3,226 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 1,049 |
| Cost of funding earning assets | 0.6249% | 1,174 |
| Net interest margin | 4.0843% | 1,415 |
| Noninterest income to average assets | 0.5818% | 2,752 |
| Noninterest expense to average assets | 2.8242% | 2,947 |
| Loan and lease loss provision to assets | 0.8640% | 128 |
| Net operating income to assets | 0.6584% | 3,962 |
| Return on assets (ROA) | 0.6814% | 3,981 |
| Pretax return on assets | 0.6814% | 4,554 |
| Return on Equity (ROE) | 6.4161% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.1111% | 2,983 |
| Net charge-offs to loans | 0.8643% | 225 |
| Credit loss provision to net charge-offs | 143.9539% | 1,905 |
| Earnings coverage of net charge-offs (x) | 2.5365% | 3,813 |
| Efficiency ratio | 64.9748% | 3,767 |
| Assets per employee ($millions) | 3.3535% | 4,973 |
| Cash dividends to net income (ytd only)* | 35.9256% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 1,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 69.1151% | 2,609 |
| Net loans and leases to deposits | 95.9247% | 1,004 |
| Net loans and leases to core deposits | 130.0463% | 284 |
| Total domestic deposits to total assets | 72.0514% | 5,558 |
| Equity capital to assets | 11.6721% | 2,028 |
| Core capital (leverage) ratio | 11.2755% | 2,106 |
| Tier 1 risk-based capital ratio | 14.8758% | 3,019 |
| Total risk-based capital ratio | 16.1263% | 2,956 |
| Memoranda: | ||
| Average total assets | $173,606,600 | 3,235 |
| Average earning assets | $160,025,600 | 3,239 |
| Average equity | $18,438,000 | 3,348 |
| Average total loans | $120,566,800 | 3,061 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 1,176 |
| Cost of funding earning assets | 0.6202% | 1,203 |
| Net interest margin | 4.0345% | 1,567 |
| Noninterest income to average assets | 0.5563% | 2,886 |
| Noninterest expense to average assets | 2.6813% | 3,395 |
| Loan and lease loss provision to assets | 1.1368% | 81 |
| Net operating income to assets | 0.4555% | 4,851 |
| Return on assets (ROA) | 0.4858% | 4,837 |
| Pretax return on assets | 0.4858% | 5,155 |
| Return on Equity (ROE) | 4.6824% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.6824% | 3,033 |
| Net charge-offs to loans | 1.1551% | 138 |
| Credit loss provision to net charge-offs | 142.0455% | 1,844 |
| Earnings coverage of net charge-offs (x) | 1.9896% | 3,631 |
| Efficiency ratio | 62.7416% | 4,104 |
| Assets per employee ($millions) | 3.7550% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 2,453 |
| Loan loss allowance to noncurrent loans | 2,241.3333% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 5,303 |
| Noncurrent loans to loans | 0.0601% | 5,117 |
| Net loans and leases to total assets | 69.7688% | 2,526 |
| Net loans and leases to deposits | 98.8282% | 790 |
| Net loans and leases to core deposits | 143.3828% | 168 |
| Total domestic deposits to total assets | 70.5960% | 5,661 |
| Equity capital to assets | 11.4317% | 2,572 |
| Core capital (leverage) ratio | 10.8405% | 2,636 |
| Tier 1 risk-based capital ratio | 13.7571% | 3,693 |
| Total risk-based capital ratio | 14.9890% | 3,629 |
| Memoranda: | ||
| Average total assets | $175,927,500 | 3,226 |
| Average earning assets | $162,097,500 | 3,217 |
| Average equity | $18,252,500 | 3,400 |
| Average total loans | $121,891,750 | 3,038 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 1,186 |
| Cost of funding earning assets | 0.6246% | 1,162 |
| Net interest margin | 4.0149% | 1,597 |
| Noninterest income to average assets | 0.5474% | 2,913 |
| Noninterest expense to average assets | 2.7062% | 3,373 |
| Loan and lease loss provision to assets | 1.7070% | 49 |
| Net operating income to assets | -0.1718% | 5,849 |
| Return on assets (ROA) | -0.1263% | 5,842 |
| Pretax return on assets | -0.1263% | 5,840 |
| Return on Equity (ROE) | -1.2605% | 5,850 |
| Retained earnings to average equity (ytd only) | -1.2605% | 5,467 |
| Net charge-offs to loans | 1.8277% | 78 |
| Credit loss provision to net charge-offs | 135.7466% | 1,720 |
| Earnings coverage of net charge-offs (x) | 1.2208% | 3,440 |
| Efficiency ratio | 63.8047% | 4,057 |
| Assets per employee ($millions) | 3.6028% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 2,481 |
| Loan loss allowance to noncurrent loans | 288.8496% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 4,192 |
| Noncurrent loans to loans | 0.4712% | 3,672 |
| Net loans and leases to total assets | 68.3947% | 2,726 |
| Net loans and leases to deposits | 100.1109% | 690 |
| Net loans and leases to core deposits | 135.1892% | 233 |
| Total domestic deposits to total assets | 68.3189% | 5,834 |
| Equity capital to assets | 11.3535% | 2,691 |
| Core capital (leverage) ratio | 10.5365% | 2,929 |
| Tier 1 risk-based capital ratio | 13.5262% | 3,885 |
| Total risk-based capital ratio | 14.7512% | 3,817 |
| Memoranda: | ||
| Average total assets | $175,742,330 | 3,246 |
| Average earning assets | $161,696,000 | 3,247 |
| Average equity | $17,611,670 | 3,498 |
| Average total loans | $120,918,670 | 3,064 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 1,217 |
| Cost of funding earning assets | 0.6618% | 987 |
| Net interest margin | 3.9561% | 1,762 |
| Noninterest income to average assets | 0.5351% | 2,898 |
| Noninterest expense to average assets | 2.6261% | 3,667 |
| Loan and lease loss provision to assets | 3.3870% | 16 |
| Net operating income to assets | -1.8471% | 6,069 |
| Return on assets (ROA) | -1.8471% | 6,069 |
| Pretax return on assets | -1.8471% | 6,069 |
| Return on Equity (ROE) | -19.7102% | 6,067 |
| Retained earnings to average equity (ytd only) | -19.7102% | 5,963 |
| Net charge-offs to loans | -0.0593% | 5,405 |
| Credit loss provision to net charge-offs | -8,333.3333% | 5,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0352% | 4,297 |
| Assets per employee ($millions) | 3.5417% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2735% | 539 |
| Loan loss allowance to noncurrent loans | 69.0822% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 2.2520% | 718 |
| Noncurrent loans to loans | 3.2909% | 446 |
| Net loans and leases to total assets | 66.8749% | 2,831 |
| Net loans and leases to deposits | 89.0635% | 1,693 |
| Net loans and leases to core deposits | 123.5586% | 378 |
| Total domestic deposits to total assets | 75.0867% | 5,514 |
| Equity capital to assets | 9.2012% | 4,987 |
| Core capital (leverage) ratio | 8.8012% | 5,075 |
| Tier 1 risk-based capital ratio | 11.2108% | 5,390 |
| Total risk-based capital ratio | 12.4701% | 5,293 |
| Memoranda: | ||
| Average total assets | $177,147,000 | 3,228 |
| Average earning assets | $162,583,500 | 3,248 |
| Average equity | $16,600,500 | 3,645 |
| Average total loans | $121,423,500 | 3,063 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 1,797 |
| Cost of funding earning assets | 0.7032% | 808 |
| Net interest margin | 3.7296% | 2,645 |
| Noninterest income to average assets | 0.5668% | 2,918 |
| Noninterest expense to average assets | 2.8906% | 2,887 |
| Loan and lease loss provision to assets | 0.1433% | 1,656 |
| Net operating income to assets | 0.9920% | 2,410 |
| Return on assets (ROA) | 1.4791% | 925 |
| Pretax return on assets | 1.4791% | 1,620 |
| Return on Equity (ROE) | 14.3968% | 786 |
| Retained earnings to average equity (ytd only) | -0.2287% | 5,543 |
| Net charge-offs to loans | 0.0288% | 3,647 |
| Credit loss provision to net charge-offs | 781.2500% | 432 |
| Earnings coverage of net charge-offs (x) | 61.9063% | 850 |
| Efficiency ratio | 71.8007% | 2,939 |
| Assets per employee ($millions) | 3.6165% | 4,615 |
| Cash dividends to net income (ytd only)* | 101.5885% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 4,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.9591% | 2,706 |
| Net loans and leases to deposits | 90.9022% | 1,517 |
| Net loans and leases to core deposits | 132.1189% | 241 |
| Total domestic deposits to total assets | 74.7607% | 5,574 |
| Equity capital to assets | 9.5408% | 4,502 |
| Core capital (leverage) ratio | 9.2706% | 4,517 |
| Tier 1 risk-based capital ratio | 11.9726% | 4,964 |
| Total risk-based capital ratio | 12.8907% | 5,082 |
| Memoranda: | ||
| Average total assets | $174,496,400 | 3,240 |
| Average earning assets | $161,840,200 | 3,232 |
| Average equity | $17,927,600 | 3,392 |
| Average total loans | $111,112,800 | 3,179 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,050 |
| Cost of funding earning assets | 0.7106% | 793 |
| Net interest margin | 3.6489% | 2,965 |
| Noninterest income to average assets | 0.5492% | 3,058 |
| Noninterest expense to average assets | 2.7798% | 3,275 |
| Loan and lease loss provision to assets | 0.1918% | 1,058 |
| Net operating income to assets | 0.9611% | 2,665 |
| Return on assets (ROA) | 1.3385% | 1,295 |
| Pretax return on assets | 1.3385% | 2,251 |
| Return on Equity (ROE) | 12.7957% | 1,173 |
| Retained earnings to average equity (ytd only) | 12.7957% | 295 |
| Net charge-offs to loans | 0.0762% | 2,472 |
| Credit loss provision to net charge-offs | 403.2258% | 754 |
| Earnings coverage of net charge-offs (x) | 24.2433% | 1,698 |
| Efficiency ratio | 70.6846% | 3,100 |
| Assets per employee ($millions) | 3.5257% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 4,429 |
| Loan loss allowance to noncurrent loans | 973.3871% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 5,424 |
| Noncurrent loans to loans | 0.1088% | 5,200 |
| Net loans and leases to total assets | 65.2641% | 3,119 |
| Net loans and leases to deposits | 82.6739% | 2,569 |
| Net loans and leases to core deposits | 124.7969% | 358 |
| Total domestic deposits to total assets | 78.9416% | 4,991 |
| Equity capital to assets | 10.8788% | 3,154 |
| Core capital (leverage) ratio | 10.7010% | 2,822 |
| Tier 1 risk-based capital ratio | 14.3510% | 3,649 |
| Total risk-based capital ratio | 15.3177% | 3,756 |
| Memoranda: | ||
| Average total assets | $173,818,500 | 3,279 |
| Average earning assets | $161,179,000 | 3,266 |
| Average equity | $18,182,750 | 3,384 |
| Average total loans | $108,474,500 | 3,256 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3384% | 2,055 |
| Cost of funding earning assets | 0.7130% | 791 |
| Net interest margin | 3.6254% | 2,996 |
| Noninterest income to average assets | 0.5431% | 3,086 |
| Noninterest expense to average assets | 2.7685% | 3,354 |
| Loan and lease loss provision to assets | 0.2871% | 557 |
| Net operating income to assets | 0.8509% | 3,124 |
| Return on assets (ROA) | 1.2953% | 1,396 |
| Pretax return on assets | 1.2953% | 2,382 |
| Return on Equity (ROE) | 12.5480% | 1,207 |
| Retained earnings to average equity (ytd only) | 12.5480% | 348 |
| Net charge-offs to loans | 0.0450% | 2,798 |
| Credit loss provision to net charge-offs | 1,041.6667% | 342 |
| Earnings coverage of net charge-offs (x) | 41.2917% | 1,109 |
| Efficiency ratio | 70.8701% | 3,185 |
| Assets per employee ($millions) | 3.4303% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 3,688 |
| Loan loss allowance to noncurrent loans | 400.3215% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 5,083 |
| Noncurrent loans to loans | 0.3040% | 4,599 |
| Net loans and leases to total assets | 60.1328% | 3,813 |
| Net loans and leases to deposits | 71.2218% | 3,795 |
| Net loans and leases to core deposits | 106.1981% | 1,063 |
| Total domestic deposits to total assets | 84.4303% | 3,382 |
| Equity capital to assets | 10.6477% | 3,275 |
| Core capital (leverage) ratio | 10.0257% | 3,560 |
| Tier 1 risk-based capital ratio | 15.1030% | 3,298 |
| Total risk-based capital ratio | 16.1899% | 3,324 |
| Memoranda: | ||
| Average total assets | $174,172,000 | 3,293 |
| Average earning assets | $161,580,670 | 3,283 |
| Average equity | $17,979,000 | 3,427 |
| Average total loans | $106,647,330 | 3,308 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 1,906 |
| Cost of funding earning assets | 0.7144% | 797 |
| Net interest margin | 3.6449% | 2,833 |
| Noninterest income to average assets | 0.5079% | 3,237 |
| Noninterest expense to average assets | 2.7198% | 3,519 |
| Loan and lease loss provision to assets | 0.4063% | 277 |
| Net operating income to assets | 0.7674% | 3,442 |
| Return on assets (ROA) | 1.5710% | 785 |
| Pretax return on assets | 1.5710% | 1,345 |
| Return on Equity (ROE) | 15.4495% | 642 |
| Retained earnings to average equity (ytd only) | 15.4495% | 249 |
| Net charge-offs to loans | -0.0074% | 4,611 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8551% | 3,513 |
| Assets per employee ($millions) | 3.5309% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 4,233 |
| Loan loss allowance to noncurrent loans | 188.5400% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 4,565 |
| Noncurrent loans to loans | 0.6130% | 3,735 |
| Net loans and leases to total assets | 58.1815% | 3,919 |
| Net loans and leases to deposits | 68.9651% | 3,860 |
| Net loans and leases to core deposits | 100.6014% | 1,280 |
| Total domestic deposits to total assets | 84.3637% | 3,668 |
| Equity capital to assets | 10.3328% | 3,744 |
| Core capital (leverage) ratio | 9.6482% | 4,081 |
| Tier 1 risk-based capital ratio | 14.3742% | 3,788 |
| Total risk-based capital ratio | 15.3976% | 3,844 |
| Memoranda: | ||
| Average total assets | $177,216,500 | 3,274 |
| Average earning assets | $164,611,500 | 3,258 |
| Average equity | $18,020,000 | 3,441 |
| Average total loans | $108,812,000 | 3,281 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 1,648 |
| Cost of funding earning assets | 0.7254% | 976 |
| Net interest margin | 3.8408% | 2,465 |
| Noninterest income to average assets | 0.5664% | 3,078 |
| Noninterest expense to average assets | 2.6709% | 3,974 |
| Loan and lease loss provision to assets | 0.0662% | 3,178 |
| Net operating income to assets | 1.3771% | 1,126 |
| Return on assets (ROA) | 1.7538% | 532 |
| Pretax return on assets | 1.7538% | 886 |
| Return on Equity (ROE) | 17.7449% | 423 |
| Retained earnings to average equity (ytd only) | 1.6406% | 4,993 |
| Net charge-offs to loans | 0.4369% | 968 |
| Credit loss provision to net charge-offs | 24.9480% | 3,915 |
| Earnings coverage of net charge-offs (x) | 5.4407% | 3,418 |
| Efficiency ratio | 64.9196% | 4,417 |
| Assets per employee ($millions) | 3.4880% | 4,925 |
| Cash dividends to net income (ytd only)* | 90.7547% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 5,484 |
| Loan loss allowance to noncurrent loans | 155.4878% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 4,588 |
| Noncurrent loans to loans | 0.5769% | 3,939 |
| Net loans and leases to total assets | 63.3468% | 3,310 |
| Net loans and leases to deposits | 77.5531% | 3,024 |
| Net loans and leases to core deposits | 118.1515% | 457 |
| Total domestic deposits to total assets | 81.6818% | 4,536 |
| Equity capital to assets | 10.0051% | 4,113 |
| Core capital (leverage) ratio | 9.0453% | 4,919 |
| Tier 1 risk-based capital ratio | 13.0418% | 4,704 |
| Total risk-based capital ratio | 13.8643% | 4,882 |
| Memoranda: | ||
| Average total assets | $181,325,000 | 3,193 |
| Average earning assets | $167,492,600 | 3,188 |
| Average equity | $17,920,600 | 3,408 |
| Average total loans | $110,085,200 | 3,215 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5700% | 1,644 |
| Cost of funding earning assets | 0.7216% | 1,038 |
| Net interest margin | 3.8484% | 2,438 |
| Noninterest income to average assets | 0.5650% | 3,099 |
| Noninterest expense to average assets | 2.5344% | 4,415 |
| Loan and lease loss provision to assets | 0.0659% | 3,035 |
| Net operating income to assets | 1.5164% | 908 |
| Return on assets (ROA) | 1.8428% | 485 |
| Pretax return on assets | 1.8428% | 812 |
| Return on Equity (ROE) | 18.7020% | 380 |
| Retained earnings to average equity (ytd only) | 18.7020% | 95 |
| Net charge-offs to loans | -0.0024% | 5,203 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5644% | 4,951 |
| Assets per employee ($millions) | 3.4897% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 3,818 |
| Loan loss allowance to noncurrent loans | 8,177.7778% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 6,147 |
| Noncurrent loans to loans | 0.0155% | 5,969 |
| Net loans and leases to total assets | 61.9127% | 3,498 |
| Net loans and leases to deposits | 78.5585% | 2,890 |
| Net loans and leases to core deposits | 123.6970% | 316 |
| Total domestic deposits to total assets | 78.8109% | 5,368 |
| Equity capital to assets | 10.7594% | 3,226 |
| Core capital (leverage) ratio | 9.9856% | 3,697 |
| Tier 1 risk-based capital ratio | 14.3323% | 4,003 |
| Total risk-based capital ratio | 15.4792% | 3,990 |
| Memoranda: | ||
| Average total assets | $182,184,000 | 3,212 |
| Average earning assets | $168,136,750 | 3,206 |
| Average equity | $17,951,250 | 3,424 |
| Average total loans | $109,179,750 | 3,259 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 1,746 |
| Cost of funding earning assets | 0.7181% | 1,099 |
| Net interest margin | 3.8087% | 2,541 |
| Noninterest income to average assets | 0.5418% | 3,194 |
| Noninterest expense to average assets | 2.5301% | 4,485 |
| Loan and lease loss provision to assets | 0.0662% | 2,942 |
| Net operating income to assets | 1.4509% | 957 |
| Return on assets (ROA) | 1.8780% | 443 |
| Pretax return on assets | 1.8780% | 719 |
| Return on Equity (ROE) | 19.6744% | 306 |
| Retained earnings to average equity (ytd only) | 19.6744% | 87 |
| Net charge-offs to loans | 0.0056% | 4,189 |
| Credit loss provision to net charge-offs | 2,000.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 458.3333% | 152 |
| Efficiency ratio | 62.5136% | 4,942 |
| Assets per employee ($millions) | 3.6031% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 3,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 59.0104% | 3,858 |
| Net loans and leases to deposits | 73.1205% | 3,437 |
| Net loans and leases to core deposits | 115.4039% | 493 |
| Total domestic deposits to total assets | 80.7030% | 5,066 |
| Equity capital to assets | 10.1943% | 3,834 |
| Core capital (leverage) ratio | 9.6177% | 4,150 |
| Tier 1 risk-based capital ratio | 14.0939% | 4,200 |
| Total risk-based capital ratio | 15.2459% | 4,202 |
| Memoranda: | ||
| Average total assets | $181,260,670 | 3,237 |
| Average earning assets | $166,829,670 | 3,237 |
| Average equity | $17,301,670 | 3,500 |
| Average total loans | $106,912,330 | 3,312 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 1,774 |
| Cost of funding earning assets | 0.7142% | 1,162 |
| Net interest margin | 3.7988% | 2,476 |
| Noninterest income to average assets | 0.5266% | 3,221 |
| Noninterest expense to average assets | 2.5554% | 4,427 |
| Loan and lease loss provision to assets | 0.0667% | 2,790 |
| Net operating income to assets | 1.3910% | 1,000 |
| Return on assets (ROA) | 1.9932% | 359 |
| Pretax return on assets | 1.9932% | 538 |
| Return on Equity (ROE) | 21.6327% | 216 |
| Retained earnings to average equity (ytd only) | 21.6327% | 93 |
| Net charge-offs to loans | -0.0341% | 5,635 |
| Credit loss provision to net charge-offs | -333.3333% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6766% | 4,910 |
| Assets per employee ($millions) | 3.3848% | 5,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 58.4260% | 3,779 |
| Net loans and leases to deposits | 68.3248% | 3,825 |
| Net loans and leases to core deposits | 109.6357% | 595 |
| Total domestic deposits to total assets | 85.5121% | 3,603 |
| Equity capital to assets | 9.8330% | 4,059 |
| Core capital (leverage) ratio | 9.3655% | 4,486 |
| Tier 1 risk-based capital ratio | 13.8106% | 4,464 |
| Total risk-based capital ratio | 14.9788% | 4,475 |
| Memoranda: | ||
| Average total assets | $180,011,500 | 3,278 |
| Average earning assets | $165,208,500 | 3,277 |
| Average equity | $16,586,000 | 3,606 |
| Average total loans | $105,431,500 | 3,361 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1489% | 3,539 |
| Cost of funding earning assets | 0.7129% | 1,723 |
| Net interest margin | 3.4360% | 4,143 |
| Noninterest income to average assets | 0.5493% | 3,408 |
| Noninterest expense to average assets | 2.5313% | 4,669 |
| Loan and lease loss provision to assets | 0.1460% | 2,470 |
| Net operating income to assets | 1.0446% | 2,136 |
| Return on assets (ROA) | 0.9267% | 2,740 |
| Pretax return on assets | 0.9267% | 3,661 |
| Return on Equity (ROE) | 10.0341% | 2,098 |
| Retained earnings to average equity (ytd only) | 4.1231% | 3,236 |
| Net charge-offs to loans | -0.0083% | 5,993 |
| Credit loss provision to net charge-offs | -3,250.0000% | 6,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0097% | 4,197 |
| Assets per employee ($millions) | 3.5387% | 4,827 |
| Cash dividends to net income (ytd only)* | 58.9091% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 4,167 |
| Loan loss allowance to noncurrent loans | 1,394.9495% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 6,206 |
| Noncurrent loans to loans | 0.0929% | 5,936 |
| Net loans and leases to total assets | 57.1848% | 4,170 |
| Net loans and leases to deposits | 74.1147% | 3,240 |
| Net loans and leases to core deposits | 117.9937% | 372 |
| Total domestic deposits to total assets | 77.1572% | 5,944 |
| Equity capital to assets | 8.6216% | 5,459 |
| Core capital (leverage) ratio | 8.8752% | 5,173 |
| Tier 1 risk-based capital ratio | 12.6412% | 5,208 |
| Total risk-based capital ratio | 13.7406% | 5,249 |
| Memoranda: | ||
| Average total assets | $178,053,200 | 3,289 |
| Average earning assets | $164,405,000 | 3,284 |
| Average equity | $16,444,000 | 3,636 |
| Average total loans | $96,538,600 | 3,544 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,924 |
| Cost of funding earning assets | 0.7221% | 1,793 |
| Net interest margin | 3.3310% | 4,529 |
| Noninterest income to average assets | 0.5482% | 3,474 |
| Noninterest expense to average assets | 2.4044% | 5,016 |
| Loan and lease loss provision to assets | 0.0453% | 4,104 |
| Net operating income to assets | 1.1780% | 1,707 |
| Return on assets (ROA) | 1.0194% | 2,385 |
| Pretax return on assets | 1.0194% | 3,426 |
| Return on Equity (ROE) | 10.8505% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.8505% | 607 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2781% | 4,435 |
| Assets per employee ($millions) | 3.7160% | 4,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 5,179 |
| Loan loss allowance to noncurrent loans | 771.7105% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 6,187 |
| Noncurrent loans to loans | 0.1472% | 5,881 |
| Net loans and leases to total assets | 56.0506% | 4,316 |
| Net loans and leases to deposits | 70.7694% | 3,674 |
| Net loans and leases to core deposits | 111.9646% | 508 |
| Total domestic deposits to total assets | 79.2017% | 5,700 |
| Equity capital to assets | 9.0679% | 5,106 |
| Core capital (leverage) ratio | 9.2741% | 4,723 |
| Tier 1 risk-based capital ratio | 13.5611% | 4,719 |
| Total risk-based capital ratio | 14.5222% | 4,862 |
| Memoranda: | ||
| Average total assets | $176,563,000 | 3,341 |
| Average earning assets | $163,232,250 | 3,331 |
| Average equity | $16,588,750 | 3,655 |
| Average total loans | $94,021,000 | 3,623 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 4,328 |
| Cost of funding earning assets | 0.7265% | 1,873 |
| Net interest margin | 3.2116% | 4,905 |
| Noninterest income to average assets | 0.5231% | 3,683 |
| Noninterest expense to average assets | 2.3935% | 5,075 |
| Loan and lease loss provision to assets | 0.0687% | 3,667 |
| Net operating income to assets | 1.0313% | 2,196 |
| Return on assets (ROA) | 1.0932% | 2,064 |
| Pretax return on assets | 1.0932% | 3,117 |
| Return on Equity (ROE) | 11.4959% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.4959% | 569 |
| Net charge-offs to loans | -0.0176% | 5,932 |
| Credit loss provision to net charge-offs | -750.0000% | 5,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5125% | 4,095 |
| Assets per employee ($millions) | 3.5735% | 4,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 4,781 |
| Loan loss allowance to noncurrent loans | 1,000.8475% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 6,301 |
| Noncurrent loans to loans | 0.1240% | 6,014 |
| Net loans and leases to total assets | 53.6747% | 4,635 |
| Net loans and leases to deposits | 63.1274% | 4,607 |
| Net loans and leases to core deposits | 105.1874% | 781 |
| Total domestic deposits to total assets | 85.0260% | 3,877 |
| Equity capital to assets | 8.6829% | 5,573 |
| Core capital (leverage) ratio | 9.2922% | 4,555 |
| Tier 1 risk-based capital ratio | 14.1703% | 4,311 |
| Total risk-based capital ratio | 15.2062% | 4,412 |
| Memoranda: | ||
| Average total assets | $174,723,330 | 3,378 |
| Average earning assets | $161,602,000 | 3,368 |
| Average equity | $16,614,670 | 3,684 |
| Average total loans | $90,951,000 | 3,703 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 4,165 |
| Cost of funding earning assets | 0.7075% | 2,143 |
| Net interest margin | 3.2820% | 4,583 |
| Noninterest income to average assets | 0.5340% | 3,543 |
| Noninterest expense to average assets | 2.3537% | 5,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2101% | 1,502 |
| Return on assets (ROA) | 1.3063% | 1,364 |
| Pretax return on assets | 1.3063% | 2,210 |
| Return on Equity (ROE) | 13.1640% | 1,127 |
| Retained earnings to average equity (ytd only) | 13.1640% | 535 |
| Net charge-offs to loans | -0.0225% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0450% | 4,652 |
| Assets per employee ($millions) | 3.2802% | 5,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 4,828 |
| Loan loss allowance to noncurrent loans | 822.0588% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 6,355 |
| Noncurrent loans to loans | 0.1549% | 6,007 |
| Net loans and leases to total assets | 49.8435% | 5,013 |
| Net loans and leases to deposits | 58.1790% | 5,008 |
| Net loans and leases to core deposits | 70.5799% | 3,997 |
| Total domestic deposits to total assets | 85.6727% | 3,697 |
| Equity capital to assets | 9.9948% | 4,158 |
| Core capital (leverage) ratio | 9.1102% | 4,706 |
| Tier 1 risk-based capital ratio | 14.8073% | 3,966 |
| Total risk-based capital ratio | 15.8570% | 4,065 |
| Memoranda: | ||
| Average total assets | $174,533,500 | 3,422 |
| Average earning assets | $161,121,500 | 3,414 |
| Average equity | $17,320,000 | 3,615 |
| Average total loans | $88,843,000 | 3,774 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 4,429 |
| Cost of funding earning assets | 0.8703% | 2,138 |
| Net interest margin | 3.3722% | 4,986 |
| Noninterest income to average assets | 0.6159% | 3,195 |
| Noninterest expense to average assets | 2.5973% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1128% | 1,898 |
| Return on assets (ROA) | 2.0639% | 351 |
| Pretax return on assets | 2.0639% | 529 |
| Return on Equity (ROE) | 20.3660% | 290 |
| Retained earnings to average equity (ytd only) | 10.1771% | 564 |
| Net charge-offs to loans | -0.0072% | 6,424 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0065% | 3,815 |
| Assets per employee ($millions) | 3.6504% | 4,674 |
| Cash dividends to net income (ytd only)* | 50.0290% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 4,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 50.6812% | 5,077 |
| Net loans and leases to deposits | 62.1236% | 4,772 |
| Net loans and leases to core deposits | 76.5693% | 3,451 |
| Total domestic deposits to total assets | 81.5811% | 5,233 |
| Equity capital to assets | 9.8529% | 4,375 |
| Core capital (leverage) ratio | 8.9875% | 4,915 |
| Tier 1 risk-based capital ratio | 13.9325% | 4,422 |
| Total risk-based capital ratio | 14.9526% | 4,549 |
| Memoranda: | ||
| Average total assets | $167,060,000 | 3,502 |
| Average earning assets | $153,283,000 | 3,494 |
| Average equity | $16,930,200 | 3,644 |
| Average total loans | $82,932,200 | 3,947 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 4,415 |
| Cost of funding earning assets | 0.8877% | 2,253 |
| Net interest margin | 3.4222% | 4,959 |
| Noninterest income to average assets | 0.6084% | 3,220 |
| Noninterest expense to average assets | 2.4667% | 5,185 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2814% | 1,490 |
| Return on assets (ROA) | 2.5418% | 173 |
| Pretax return on assets | 2.5418% | 272 |
| Return on Equity (ROE) | 24.8983% | 146 |
| Retained earnings to average equity (ytd only) | 24.8983% | 52 |
| Net charge-offs to loans | -0.0443% | 6,675 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8116% | 4,478 |
| Assets per employee ($millions) | 3.5710% | 4,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 4,956 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.4935% | 5,117 |
| Net loans and leases to deposits | 63.3112% | 4,799 |
| Net loans and leases to core deposits | 77.5552% | 3,521 |
| Total domestic deposits to total assets | 81.3340% | 5,254 |
| Equity capital to assets | 10.8676% | 3,424 |
| Core capital (leverage) ratio | 9.6618% | 4,032 |
| Tier 1 risk-based capital ratio | 15.3805% | 3,604 |
| Total risk-based capital ratio | 16.4297% | 3,671 |
| Memoranda: | ||
| Average total assets | $165,020,750 | 3,567 |
| Average earning assets | $151,400,000 | 3,564 |
| Average equity | $16,846,750 | 3,683 |
| Average total loans | $81,186,500 | 4,046 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 4,596 |
| Cost of funding earning assets | 0.8911% | 2,473 |
| Net interest margin | 3.4029% | 5,074 |
| Noninterest income to average assets | 0.6176% | 3,146 |
| Noninterest expense to average assets | 2.5244% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2204% | 1,642 |
| Return on assets (ROA) | 1.8245% | 606 |
| Pretax return on assets | 1.8245% | 992 |
| Return on Equity (ROE) | 18.2859% | 474 |
| Retained earnings to average equity (ytd only) | 18.2859% | 137 |
| Net charge-offs to loans | -0.0637% | 6,734 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4098% | 4,253 |
| Assets per employee ($millions) | 3.7654% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 49.1349% | 5,465 |
| Net loans and leases to deposits | 59.9173% | 5,244 |
| Net loans and leases to core deposits | 74.6112% | 3,944 |
| Total domestic deposits to total assets | 82.0044% | 5,129 |
| Equity capital to assets | 9.9885% | 4,354 |
| Core capital (leverage) ratio | 8.8455% | 5,138 |
| Tier 1 risk-based capital ratio | 14.7923% | 3,900 |
| Total risk-based capital ratio | 15.9113% | 3,954 |
| Memoranda: | ||
| Average total assets | $162,891,670 | 3,618 |
| Average earning assets | $149,696,670 | 3,609 |
| Average equity | $16,253,000 | 3,765 |
| Average total loans | $78,449,330 | 4,142 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 4,640 |
| Cost of funding earning assets | 0.9146% | 2,572 |
| Net interest margin | 3.4097% | 5,084 |
| Noninterest income to average assets | 0.6086% | 3,177 |
| Noninterest expense to average assets | 2.5258% | 5,069 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2122% | 1,703 |
| Return on assets (ROA) | 2.0566% | 436 |
| Pretax return on assets | 2.0566% | 678 |
| Return on Equity (ROE) | 20.6243% | 341 |
| Retained earnings to average equity (ytd only) | 20.6243% | 171 |
| Net charge-offs to loans | -0.1180% | 6,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5712% | 4,260 |
| Assets per employee ($millions) | 3.4985% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 4,453 |
| Loan loss allowance to noncurrent loans | 16,128.5714% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 6,938 |
| Noncurrent loans to loans | 0.0089% | 6,772 |
| Net loans and leases to total assets | 47.1997% | 5,653 |
| Net loans and leases to deposits | 53.7935% | 5,827 |
| Net loans and leases to core deposits | 70.0249% | 4,415 |
| Total domestic deposits to total assets | 87.7424% | 2,501 |
| Equity capital to assets | 9.8018% | 4,369 |
| Core capital (leverage) ratio | 8.8851% | 5,012 |
| Tier 1 risk-based capital ratio | 15.1290% | 3,673 |
| Total risk-based capital ratio | 16.3243% | 3,666 |
| Memoranda: | ||
| Average total assets | $157,733,000 | 3,726 |
| Average earning assets | $144,763,500 | 3,722 |
| Average equity | $15,729,000 | 3,856 |
| Average total loans | $74,555,000 | 4,288 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 4,852 |
| Cost of funding earning assets | 0.9871% | 3,468 |
| Net interest margin | 3.5687% | 4,851 |
| Noninterest income to average assets | 0.7137% | 2,529 |
| Noninterest expense to average assets | 2.8202% | 4,270 |
| Loan and lease loss provision to assets | 0.0068% | 6,442 |
| Net operating income to assets | 1.1469% | 1,677 |
| Return on assets (ROA) | 1.3812% | 1,153 |
| Pretax return on assets | 1.3812% | 1,838 |
| Return on Equity (ROE) | 13.8170% | 973 |
| Retained earnings to average equity (ytd only) | 1.5488% | 5,104 |
| Net charge-offs to loans | -0.3506% | 7,255 |
| Credit loss provision to net charge-offs | -3.7594% | 6,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9672% | 3,784 |
| Assets per employee ($millions) | 3.2834% | 5,544 |
| Cash dividends to net income (ytd only)* | 88.7906% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 3,690 |
| Loan loss allowance to noncurrent loans | 12,300.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 6,983 |
| Noncurrent loans to loans | 0.0128% | 6,810 |
| Net loans and leases to total assets | 45.8590% | 6,025 |
| Net loans and leases to deposits | 51.7123% | 6,236 |
| Net loans and leases to core deposits | 68.4393% | 4,979 |
| Total domestic deposits to total assets | 88.6809% | 1,733 |
| Equity capital to assets | 10.1571% | 3,964 |
| Core capital (leverage) ratio | 8.9934% | 4,800 |
| Tier 1 risk-based capital ratio | 16.0726% | 3,004 |
| Total risk-based capital ratio | 17.3223% | 2,966 |
| Memoranda: | ||
| Average total assets | $147,261,200 | 3,846 |
| Average earning assets | $134,530,400 | 3,844 |
| Average equity | $14,721,000 | 3,964 |
| Average total loans | $75,867,000 | 4,277 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 4,824 |
| Cost of funding earning assets | 0.9964% | 3,699 |
| Net interest margin | 3.6148% | 4,708 |
| Noninterest income to average assets | 0.7099% | 2,544 |
| Noninterest expense to average assets | 2.6171% | 5,015 |
| Loan and lease loss provision to assets | 0.0091% | 6,319 |
| Net operating income to assets | 1.3796% | 1,201 |
| Return on assets (ROA) | 1.6776% | 733 |
| Pretax return on assets | 1.6776% | 1,188 |
| Return on Equity (ROE) | 16.8516% | 584 |
| Retained earnings to average equity (ytd only) | 9.9132% | 867 |
| Net charge-offs to loans | -0.3280% | 7,312 |
| Credit loss provision to net charge-offs | -5.2632% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3321% | 4,837 |
| Assets per employee ($millions) | 3.2304% | 5,608 |
| Cash dividends to net income (ytd only)* | 41.1731% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,742 |
| Loan loss allowance to noncurrent loans | 2,021.5686% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 6,970 |
| Noncurrent loans to loans | 0.0671% | 6,762 |
| Net loans and leases to total assets | 50.4196% | 5,653 |
| Net loans and leases to deposits | 59.3972% | 5,708 |
| Net loans and leases to core deposits | 71.3797% | 4,795 |
| Total domestic deposits to total assets | 84.8855% | 3,822 |
| Equity capital to assets | 10.8365% | 3,310 |
| Core capital (leverage) ratio | 9.8469% | 3,652 |
| Tier 1 risk-based capital ratio | 16.3834% | 2,921 |
| Total risk-based capital ratio | 17.5619% | 2,927 |
| Memoranda: | ||
| Average total assets | $146,317,250 | 3,883 |
| Average earning assets | $133,411,500 | 3,886 |
| Average equity | $14,566,000 | 4,015 |
| Average total loans | $77,241,000 | 4,272 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 4,788 |
| Cost of funding earning assets | 1.0172% | 3,836 |
| Net interest margin | 3.6243% | 4,632 |
| Noninterest income to average assets | 0.6747% | 2,681 |
| Noninterest expense to average assets | 2.6546% | 4,989 |
| Loan and lease loss provision to assets | 0.0137% | 6,107 |
| Net operating income to assets | 1.3012% | 1,314 |
| Return on assets (ROA) | 1.4730% | 995 |
| Pretax return on assets | 1.4730% | 1,609 |
| Return on Equity (ROE) | 15.2558% | 753 |
| Retained earnings to average equity (ytd only) | 4.4686% | 3,351 |
| Net charge-offs to loans | -0.4867% | 7,399 |
| Credit loss provision to net charge-offs | -5.2910% | 6,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8744% | 4,714 |
| Assets per employee ($millions) | 3.1261% | 5,817 |
| Cash dividends to net income (ytd only)* | 70.7090% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,662 |
| Loan loss allowance to noncurrent loans | 1,745.7627% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 6,993 |
| Noncurrent loans to loans | 0.0792% | 6,782 |
| Net loans and leases to total assets | 51.1060% | 5,682 |
| Net loans and leases to deposits | 59.5324% | 5,775 |
| Net loans and leases to core deposits | 71.6601% | 4,856 |
| Total domestic deposits to total assets | 85.8457% | 3,411 |
| Equity capital to assets | 10.4304% | 3,607 |
| Core capital (leverage) ratio | 9.4101% | 4,091 |
| Tier 1 risk-based capital ratio | 15.2404% | 3,376 |
| Total risk-based capital ratio | 16.3978% | 3,386 |
| Memoranda: | ||
| Average total assets | $145,556,670 | 3,930 |
| Average earning assets | $132,327,670 | 3,938 |
| Average equity | $14,053,670 | 4,110 |
| Average total loans | $77,670,000 | 4,295 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 4,879 |
| Cost of funding earning assets | 1.0294% | 3,994 |
| Net interest margin | 3.5877% | 4,625 |
| Noninterest income to average assets | 0.6610% | 2,777 |
| Noninterest expense to average assets | 2.6442% | 5,062 |
| Loan and lease loss provision to assets | 0.0273% | 5,621 |
| Net operating income to assets | 1.2456% | 1,397 |
| Return on assets (ROA) | 1.2456% | 1,449 |
| Pretax return on assets | 1.2456% | 2,212 |
| Return on Equity (ROE) | 13.4305% | 1,105 |
| Retained earnings to average equity (ytd only) | -8.8948% | 6,809 |
| Net charge-offs to loans | -0.9237% | 7,478 |
| Credit loss provision to net charge-offs | -5.4645% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5035% | 4,754 |
| Assets per employee ($millions) | 3.3572% | 5,346 |
| Cash dividends to net income (ytd only)* | 166.2281% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 5,072 |
| Loan loss allowance to noncurrent loans | 1,329.8701% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 7,032 |
| Noncurrent loans to loans | 0.0987% | 6,796 |
| Net loans and leases to total assets | 52.1223% | 5,568 |
| Net loans and leases to deposits | 60.1784% | 5,714 |
| Net loans and leases to core deposits | 71.9624% | 4,791 |
| Total domestic deposits to total assets | 86.6130% | 3,176 |
| Equity capital to assets | 9.2494% | 4,817 |
| Core capital (leverage) ratio | 8.9217% | 4,736 |
| Tier 1 risk-based capital ratio | 14.3484% | 3,836 |
| Total risk-based capital ratio | 15.4832% | 3,888 |
| Memoranda: | ||
| Average total assets | $146,434,500 | 3,945 |
| Average earning assets | $132,898,000 | 3,960 |
| Average equity | $13,581,000 | 4,195 |
| Average total loans | $79,244,500 | 4,283 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 3,901 |
| Cost of funding earning assets | 1.1183% | 5,033 |
| Net interest margin | 4.0234% | 2,912 |
| Noninterest income to average assets | 0.7564% | 2,508 |
| Noninterest expense to average assets | 3.0013% | 3,849 |
| Loan and lease loss provision to assets | 0.3044% | 4,368 |
| Net operating income to assets | 1.0819% | 1,755 |
| Return on assets (ROA) | 1.1841% | 1,526 |
| Pretax return on assets | 1.1841% | 2,276 |
| Return on Equity (ROE) | 11.0606% | 1,569 |
| Retained earnings to average equity (ytd only) | 3.7695% | 3,227 |
| Net charge-offs to loans | 0.4909% | 3,661 |
| Credit loss provision to net charge-offs | 104.2781% | 4,311 |
| Earnings coverage of net charge-offs (x) | 4.7487% | 2,817 |
| Efficiency ratio | 68.4042% | 4,477 |
| Assets per employee ($millions) | 3.2989% | 5,430 |
| Cash dividends to net income (ytd only)* | 65.9196% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 6,227 |
| Loan loss allowance to noncurrent loans | 692.5000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0827% | 7,033 |
| Noncurrent loans to loans | 0.1491% | 6,772 |
| Net loans and leases to total assets | 54.8670% | 5,509 |
| Net loans and leases to deposits | 66.2783% | 5,367 |
| Net loans and leases to core deposits | 78.3789% | 4,412 |
| Total domestic deposits to total assets | 82.7828% | 4,888 |
| Equity capital to assets | 9.3000% | 4,691 |
| Core capital (leverage) ratio | 9.9231% | 3,173 |
| Tier 1 risk-based capital ratio | 14.4567% | 3,579 |
| Total risk-based capital ratio | 15.3634% | 3,759 |
| Memoranda: | ||
| Average total assets | $128,112,800 | 4,315 |
| Average earning assets | $115,622,200 | 4,327 |
| Average equity | $13,715,400 | 4,209 |
| Average total loans | $76,189,600 | 4,444 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3677% | 3,042 |
| Cost of funding earning assets | 1.1258% | 5,280 |
| Net interest margin | 4.2419% | 2,063 |
| Noninterest income to average assets | 0.8117% | 2,174 |
| Noninterest expense to average assets | 2.9324% | 3,974 |
| Loan and lease loss provision to assets | 0.4198% | 3,387 |
| Net operating income to assets | 1.2681% | 1,414 |
| Return on assets (ROA) | 1.3123% | 1,384 |
| Pretax return on assets | 1.3123% | 2,132 |
| Return on Equity (ROE) | 11.8036% | 1,561 |
| Retained earnings to average equity (ytd only) | 2.1206% | 4,907 |
| Net charge-offs to loans | 0.6177% | 2,895 |
| Credit loss provision to net charge-offs | 112.0690% | 3,772 |
| Earnings coverage of net charge-offs (x) | 4.5057% | 3,024 |
| Efficiency ratio | 63.4669% | 5,348 |
| Assets per employee ($millions) | 2.8122% | 6,560 |
| Cash dividends to net income (ytd only)* | 82.0346% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,883 |
| Loan loss allowance to noncurrent loans | 2,678.1250% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 7,293 |
| Noncurrent loans to loans | 0.0416% | 7,142 |
| Net loans and leases to total assets | 60.1211% | 4,890 |
| Net loans and leases to deposits | 70.8682% | 5,024 |
| Net loans and leases to core deposits | 84.5102% | 3,874 |
| Total domestic deposits to total assets | 84.8350% | 3,704 |
| Equity capital to assets | 11.1602% | 2,809 |
| Core capital (leverage) ratio | 10.2729% | 2,953 |
| Tier 1 risk-based capital ratio | 14.9958% | 3,254 |
| Total risk-based capital ratio | 15.9881% | 3,357 |
| Memoranda: | ||
| Average total assets | $123,853,250 | 4,459 |
| Average earning assets | $111,206,000 | 4,500 |
| Average equity | $13,769,500 | 4,255 |
| Average total loans | $75,119,250 | 4,557 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4231% | 2,873 |
| Cost of funding earning assets | 1.1141% | 5,603 |
| Net interest margin | 4.3090% | 1,739 |
| Noninterest income to average assets | 0.7726% | 2,269 |
| Noninterest expense to average assets | 2.8986% | 4,079 |
| Loan and lease loss provision to assets | 0.6018% | 2,382 |
| Net operating income to assets | 1.1289% | 1,766 |
| Return on assets (ROA) | 1.1956% | 1,641 |
| Pretax return on assets | 1.1956% | 2,431 |
| Return on Equity (ROE) | 10.7679% | 1,830 |
| Retained earnings to average equity (ytd only) | -3.8823% | 6,424 |
| Net charge-offs to loans | 0.8723% | 2,088 |
| Credit loss provision to net charge-offs | 113.8462% | 3,574 |
| Earnings coverage of net charge-offs (x) | 3.2738% | 3,389 |
| Efficiency ratio | 62.6142% | 5,588 |
| Assets per employee ($millions) | 2.7333% | 6,724 |
| Cash dividends to net income (ytd only)* | 136.0544% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,759 |
| Loan loss allowance to noncurrent loans | 627.7372% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 7,104 |
| Noncurrent loans to loans | 0.1811% | 6,890 |
| Net loans and leases to total assets | 62.1918% | 4,646 |
| Net loans and leases to deposits | 76.8871% | 4,177 |
| Net loans and leases to core deposits | 90.0049% | 3,262 |
| Total domestic deposits to total assets | 80.8872% | 5,439 |
| Equity capital to assets | 11.4489% | 2,484 |
| Core capital (leverage) ratio | 10.1419% | 3,005 |
| Tier 1 risk-based capital ratio | 15.1721% | 3,071 |
| Total risk-based capital ratio | 16.2186% | 3,134 |
| Memoranda: | ||
| Average total assets | $122,955,000 | 4,503 |
| Average earning assets | $110,048,670 | 4,554 |
| Average equity | $13,651,670 | 4,282 |
| Average total loans | $74,512,670 | 4,626 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4043% | 3,020 |
| Cost of funding earning assets | 1.0794% | 5,995 |
| Net interest margin | 4.3249% | 1,613 |
| Noninterest income to average assets | 0.7434% | 2,339 |
| Noninterest expense to average assets | 2.9477% | 3,866 |
| Loan and lease loss provision to assets | 0.8850% | 1,437 |
| Net operating income to assets | 0.7659% | 3,129 |
| Return on assets (ROA) | 0.7659% | 3,243 |
| Pretax return on assets | 0.7659% | 4,005 |
| Return on Equity (ROE) | 7.0036% | 3,337 |
| Retained earnings to average equity (ytd only) | -22.4233% | 7,424 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1008% | 5,475 |
| Assets per employee ($millions) | 2.8163% | 6,606 |
| Cash dividends to net income (ytd only)* | 420.1681% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 4,256 |
| Loan loss allowance to noncurrent loans | 199.6337% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 6,365 |
| Noncurrent loans to loans | 0.7169% | 5,894 |
| Net loans and leases to total assets | 60.5835% | 5,024 |
| Net loans and leases to deposits | 78.9343% | 3,851 |
| Net loans and leases to core deposits | 92.9028% | 2,990 |
| Total domestic deposits to total assets | 76.7518% | 6,611 |
| Equity capital to assets | 10.6444% | 3,097 |
| Core capital (leverage) ratio | 9.5282% | 3,725 |
| Tier 1 risk-based capital ratio | 14.2436% | 3,515 |
| Total risk-based capital ratio | 15.5048% | 3,479 |
| Memoranda: | ||
| Average total assets | $124,300,000 | 4,538 |
| Average earning assets | $110,801,500 | 4,587 |
| Average equity | $13,593,000 | 4,330 |
| Average total loans | $73,941,500 | 4,717 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6451% | 3,376 |
| Cost of funding earning assets | 1.1875% | 6,698 |
| Net interest margin | 4.4575% | 1,277 |
| Noninterest income to average assets | 0.8163% | 2,323 |
| Noninterest expense to average assets | 3.2423% | 3,221 |
| Loan and lease loss provision to assets | 0.1716% | 5,974 |
| Net operating income to assets | 1.3961% | 858 |
| Return on assets (ROA) | 1.7531% | 418 |
| Pretax return on assets | 1.7531% | 696 |
| Return on Equity (ROE) | 15.6046% | 593 |
| Retained earnings to average equity (ytd only) | 10.5576% | 319 |
| Net charge-offs to loans | 0.0623% | 6,481 |
| Credit loss provision to net charge-offs | 528.9474% | 573 |
| Earnings coverage of net charge-offs (x) | 48.3158% | 531 |
| Efficiency ratio | 67.4064% | 5,111 |
| Assets per employee ($millions) | 2.8338% | 6,599 |
| Cash dividends to net income (ytd only)* | 32.3429% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 5,714 |
| Loan loss allowance to noncurrent loans | 5,093.7500% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 7,431 |
| Noncurrent loans to loans | 0.0223% | 7,383 |
| Net loans and leases to total assets | 56.8681% | 5,841 |
| Net loans and leases to deposits | 76.1325% | 4,722 |
| Net loans and leases to core deposits | 115.3299% | 2,382 |
| Total domestic deposits to total assets | 74.6962% | 6,915 |
| Equity capital to assets | 11.2251% | 2,514 |
| Core capital (leverage) ratio | 10.5865% | 2,518 |
| Tier 1 risk-based capital ratio | 15.6452% | 2,655 |
| Total risk-based capital ratio | 16.6466% | 2,716 |
| Memoranda: | ||
| Average total assets | $117,109,600 | 4,655 |
| Average earning assets | $104,923,200 | 4,707 |
| Average equity | $13,156,400 | 4,473 |
| Average total loans | $61,040,200 | 5,208 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7039% | 3,321 |
| Cost of funding earning assets | 1.2286% | 6,807 |
| Net interest margin | 4.4753% | 1,255 |
| Noninterest income to average assets | 0.8066% | 2,395 |
| Noninterest expense to average assets | 3.0250% | 3,950 |
| Loan and lease loss provision to assets | 0.0995% | 6,369 |
| Net operating income to assets | 1.7034% | 558 |
| Return on assets (ROA) | 1.9846% | 326 |
| Pretax return on assets | 1.9846% | 556 |
| Return on Equity (ROE) | 17.6620% | 486 |
| Retained earnings to average equity (ytd only) | 10.8238% | 492 |
| Net charge-offs to loans | -0.0046% | 7,624 |
| Credit loss provision to net charge-offs | -4,300.0000% | 7,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6558% | 5,991 |
| Assets per employee ($millions) | 2.6992% | 6,853 |
| Cash dividends to net income (ytd only)* | 38.7171% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 5,510 |
| Loan loss allowance to noncurrent loans | 1,138.4615% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 7,422 |
| Noncurrent loans to loans | 0.0997% | 7,229 |
| Net loans and leases to total assets | 54.2850% | 6,349 |
| Net loans and leases to deposits | 79.4438% | 4,489 |
| Net loans and leases to core deposits | 119.4372% | 2,300 |
| Total domestic deposits to total assets | 68.3313% | 7,546 |
| Equity capital to assets | 11.6668% | 2,458 |
| Core capital (leverage) ratio | 10.5915% | 2,723 |
| Tier 1 risk-based capital ratio | 16.5419% | 2,410 |
| Total risk-based capital ratio | 17.5295% | 2,459 |
| Memoranda: | ||
| Average total assets | $115,215,750 | 4,713 |
| Average earning assets | $103,528,500 | 4,776 |
| Average equity | $12,946,500 | 4,554 |
| Average total loans | $58,370,000 | 5,364 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7638% | 3,227 |
| Cost of funding earning assets | 1.2997% | 6,810 |
| Net interest margin | 4.4640% | 1,258 |
| Noninterest income to average assets | 0.7857% | 2,482 |
| Noninterest expense to average assets | 3.1149% | 3,644 |
| Loan and lease loss provision to assets | 0.0807% | 6,376 |
| Net operating income to assets | 1.5960% | 684 |
| Return on assets (ROA) | 2.0222% | 306 |
| Pretax return on assets | 2.0222% | 531 |
| Return on Equity (ROE) | 18.2389% | 472 |
| Retained earnings to average equity (ytd only) | 7.7353% | 1,297 |
| Net charge-offs to loans | 0.0784% | 5,416 |
| Credit loss provision to net charge-offs | 209.0909% | 2,188 |
| Earnings coverage of net charge-offs (x) | 43.4545% | 763 |
| Efficiency ratio | 65.0073% | 5,720 |
| Assets per employee ($millions) | 2.6220% | 7,009 |
| Cash dividends to net income (ytd only)* | 57.5889% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1094% | 5,530 |
| Loan loss allowance to noncurrent loans | 994.1176% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 7,445 |
| Noncurrent loans to loans | 0.1116% | 7,243 |
| Net loans and leases to total assets | 52.2311% | 6,657 |
| Net loans and leases to deposits | 72.4316% | 5,680 |
| Net loans and leases to core deposits | 103.3798% | 4,136 |
| Total domestic deposits to total assets | 72.1110% | 7,230 |
| Equity capital to assets | 11.2492% | 2,716 |
| Core capital (leverage) ratio | 10.4085% | 2,895 |
| Tier 1 risk-based capital ratio | 16.7908% | 2,366 |
| Total risk-based capital ratio | 17.7501% | 2,390 |
| Memoranda: | ||
| Average total assets | $114,033,000 | 4,774 |
| Average earning assets | $102,329,000 | 4,828 |
| Average equity | $12,643,330 | 4,650 |
| Average total loans | $56,089,670 | 5,501 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9754% | 2,461 |
| Cost of funding earning assets | 1.4414% | 6,610 |
| Net interest margin | 4.5340% | 1,059 |
| Noninterest income to average assets | 0.7022% | 2,879 |
| Noninterest expense to average assets | 3.1403% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6019% | 785 |
| Return on assets (ROA) | 1.7289% | 670 |
| Pretax return on assets | 1.7289% | 1,123 |
| Return on Equity (ROE) | 15.7102% | 866 |
| Retained earnings to average equity (ytd only) | -5.5787% | 6,631 |
| Net charge-offs to loans | 0.0298% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 381 |
| Efficiency ratio | 66.2202% | 5,290 |
| Assets per employee ($millions) | 2.5964% | 7,106 |
| Cash dividends to net income (ytd only)* | 135.5102% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 4,977 |
| Loan loss allowance to noncurrent loans | 912.6761% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 7,413 |
| Noncurrent loans to loans | 0.1284% | 7,152 |
| Net loans and leases to total assets | 47.8392% | 7,041 |
| Net loans and leases to deposits | 63.7103% | 6,587 |
| Net loans and leases to core deposits | 91.3684% | 5,418 |
| Total domestic deposits to total assets | 75.0886% | 6,694 |
| Equity capital to assets | 10.9890% | 2,974 |
| Core capital (leverage) ratio | 9.7734% | 3,664 |
| Tier 1 risk-based capital ratio | 17.1696% | 2,288 |
| Total risk-based capital ratio | 18.1656% | 2,294 |
| Memoranda: | ||
| Average total assets | $113,365,500 | 4,817 |
| Average earning assets | $101,013,500 | 4,884 |
| Average equity | $12,476,000 | 4,713 |
| Average total loans | $53,667,500 | 5,648 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1943% | 4,548 |
| Cost of funding earning assets | 2.3326% | 4,998 |
| Net interest margin | 3.8617% | 3,734 |
| Noninterest income to average assets | 0.7401% | 2,842 |
| Noninterest expense to average assets | 3.1055% | 3,672 |
| Loan and lease loss provision to assets | 0.0092% | 7,254 |
| Net operating income to assets | 1.0407% | 2,400 |
| Return on assets (ROA) | 1.0481% | 2,256 |
| Pretax return on assets | 1.0481% | 3,219 |
| Return on Equity (ROE) | 10.0676% | 2,236 |
| Retained earnings to average equity (ytd only) | 6.1819% | 1,449 |
| Net charge-offs to loans | 0.1443% | 4,770 |
| Credit loss provision to net charge-offs | 12.8205% | 6,610 |
| Earnings coverage of net charge-offs (x) | 14.6410% | 2,021 |
| Efficiency ratio | 74.7345% | 3,452 |
| Assets per employee ($millions) | 2.5566% | 7,094 |
| Cash dividends to net income (ytd only)* | 38.5965% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 4,107 |
| Loan loss allowance to noncurrent loans | 658.5859% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 7,230 |
| Noncurrent loans to loans | 0.1903% | 6,820 |
| Net loans and leases to total assets | 45.6778% | 7,359 |
| Net loans and leases to deposits | 58.7456% | 7,161 |
| Net loans and leases to core deposits | 81.6861% | 6,483 |
| Total domestic deposits to total assets | 77.7554% | 5,792 |
| Equity capital to assets | 11.0214% | 3,024 |
| Core capital (leverage) ratio | 10.6389% | 2,874 |
| Tier 1 risk-based capital ratio | 17.7283% | 2,109 |
| Total risk-based capital ratio | 18.7473% | 2,116 |
| Memoranda: | ||
| Average total assets | $108,773,200 | 4,814 |
| Average earning assets | $96,201,400 | 4,913 |
| Average equity | $11,323,400 | 5,035 |
| Average total loans | $54,059,000 | 5,522 |