Home > Bank of Dudley > Performance and Condition Ratios
Bank of Dudley, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5890% | 1,042 |
| Cost of funding earning assets | 0.9524% | 3,405 |
| Net interest margin | 4.6366% | 503 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.1022% | 956 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.2284% | 1,584 |
| Return on assets (ROA) | 1.1908% | 1,646 |
| Pretax return on assets | 1.4845% | 1,459 |
| Return on Equity (ROE) | 12.4500% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.1383% | 982 |
| Net charge-offs to loans | 0.0208% | 1,924 |
| Credit loss provision to net charge-offs | 1,584.0000% | 279 |
| Earnings coverage of net charge-offs (x) | 127.2200% | 791 |
| Efficiency ratio | 63.7880% | 2,632 |
| Assets per employee ($millions) | 5.1070% | 3,556 |
| Cash dividends to net income (ytd only)* | 18.6003% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 1,943 |
| Loan loss allowance to noncurrent loans | 4,691.5493% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0185% | 3,620 |
| Noncurrent loans to loans | 0.0270% | 3,551 |
| Net loans and leases to total assets | 67.8200% | 2,060 |
| Net loans and leases to deposits | 75.1884% | 2,530 |
| Net loans and leases to core deposits | 81.8046% | 2,601 |
| Total domestic deposits to total assets | 90.2000% | 709 |
| Equity capital to assets | 9.5887% | 2,281 |
| Core capital (leverage) ratio | 10.6448% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $361,198,400 | 2,155 |
| Average earning assets | $336,216,400 | 2,147 |
| Average equity | $34,532,400 | 2,072 |
| Average total loans | $240,540,800 | 2,057 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5086% | 1,005 |
| Cost of funding earning assets | 0.7758% | 3,585 |
| Net interest margin | 4.7329% | 442 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 3.1427% | 880 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.2522% | 1,643 |
| Return on assets (ROA) | 1.2522% | 1,639 |
| Pretax return on assets | 1.6255% | 1,304 |
| Return on Equity (ROE) | 13.1100% | 1,876 |
| Retained earnings to average equity (ytd only) | 9.9692% | 1,413 |
| Net charge-offs to loans | 0.0238% | 1,603 |
| Credit loss provision to net charge-offs | 1,111.9048% | 382 |
| Earnings coverage of net charge-offs (x) | 115.1905% | 861 |
| Efficiency ratio | 63.4122% | 2,572 |
| Assets per employee ($millions) | 4.8525% | 3,710 |
| Cash dividends to net income (ytd only)* | 23.9449% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 2,455 |
| Loan loss allowance to noncurrent loans | 2,843.3962% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 3,506 |
| Noncurrent loans to loans | 0.0416% | 3,465 |
| Net loans and leases to total assets | 71.0900% | 1,682 |
| Net loans and leases to deposits | 78.9954% | 2,144 |
| Net loans and leases to core deposits | 84.4901% | 2,294 |
| Total domestic deposits to total assets | 90.0000% | 937 |
| Equity capital to assets | 9.7365% | 1,969 |
| Core capital (leverage) ratio | 10.8470% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $355,741,750 | 2,181 |
| Average earning assets | $329,994,750 | 2,182 |
| Average equity | $33,983,750 | 2,085 |
| Average total loans | $234,902,500 | 2,079 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3889% | 965 |
| Cost of funding earning assets | 0.6227% | 3,701 |
| Net interest margin | 4.7662% | 418 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 3.0726% | 931 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.3199% | 1,513 |
| Return on assets (ROA) | 1.3199% | 1,498 |
| Pretax return on assets | 1.7134% | 1,182 |
| Return on Equity (ROE) | 13.9100% | 1,701 |
| Retained earnings to average equity (ytd only) | 13.9051% | 693 |
| Net charge-offs to loans | 0.0009% | 2,403 |
| Credit loss provision to net charge-offs | 26,600.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 3,352.0000% | 31 |
| Efficiency ratio | 62.0170% | 2,714 |
| Assets per employee ($millions) | 4.7081% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 2,656 |
| Loan loss allowance to noncurrent loans | 2,854.0000% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,510 |
| Noncurrent loans to loans | 0.0407% | 3,435 |
| Net loans and leases to total assets | 67.0600% | 2,052 |
| Net loans and leases to deposits | 74.3814% | 2,453 |
| Net loans and leases to core deposits | 78.8875% | 2,552 |
| Total domestic deposits to total assets | 90.1600% | 882 |
| Equity capital to assets | 9.6370% | 2,073 |
| Core capital (leverage) ratio | 10.6142% | 2,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $356,244,333 | 2,180 |
| Average earning assets | $329,233,667 | 2,192 |
| Average equity | $33,815,000 | 2,108 |
| Average total loans | $228,252,667 | 2,106 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 1,202 |
| Cost of funding earning assets | 0.4495% | 3,835 |
| Net interest margin | 4.5653% | 529 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 3.0257% | 1,017 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.2302% | 1,855 |
| Return on assets (ROA) | 1.2302% | 1,826 |
| Pretax return on assets | 1.5973% | 1,466 |
| Return on Equity (ROE) | 13.0600% | 1,972 |
| Retained earnings to average equity (ytd only) | 13.0629% | 1,083 |
| Net charge-offs to loans | 0.0073% | 1,673 |
| Credit loss provision to net charge-offs | 1,450.0000% | 287 |
| Earnings coverage of net charge-offs (x) | 367.0000% | 307 |
| Efficiency ratio | 64.5325% | 2,382 |
| Assets per employee ($millions) | 4.6736% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 2,643 |
| Loan loss allowance to noncurrent loans | 2,669.6970% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,510 |
| Noncurrent loans to loans | 0.0443% | 3,419 |
| Net loans and leases to total assets | 61.3200% | 2,530 |
| Net loans and leases to deposits | 67.8935% | 2,777 |
| Net loans and leases to core deposits | 71.0303% | 2,881 |
| Total domestic deposits to total assets | 90.3100% | 1,045 |
| Equity capital to assets | 9.5104% | 2,135 |
| Core capital (leverage) ratio | 10.5138% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $353,106,500 | 2,221 |
| Average earning assets | $324,797,000 | 2,236 |
| Average equity | $33,254,500 | 2,156 |
| Average total loans | $219,393,500 | 2,173 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 1,400 |
| Cost of funding earning assets | 0.2025% | 3,740 |
| Net interest margin | 3.9295% | 892 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.7429% | 1,457 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2196% | 1,701 |
| Return on assets (ROA) | 1.1600% | 1,868 |
| Pretax return on assets | 1.4718% | 1,533 |
| Return on Equity (ROE) | 12.1500% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.6218% | 1,270 |
| Net charge-offs to loans | 0.0056% | 2,218 |
| Credit loss provision to net charge-offs | 163.6364% | 1,243 |
| Earnings coverage of net charge-offs (x) | 467.7273% | 351 |
| Efficiency ratio | 63.8542% | 2,516 |
| Assets per employee ($millions) | 4.4403% | 4,076 |
| Cash dividends to net income (ytd only)* | 20.8117% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 1,572 |
| Loan loss allowance to noncurrent loans | 3,763.2911% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,608 |
| Noncurrent loans to loans | 0.0367% | 3,517 |
| Net loans and leases to total assets | 61.3600% | 2,509 |
| Net loans and leases to deposits | 67.7030% | 2,749 |
| Net loans and leases to core deposits | 70.5398% | 2,837 |
| Total domestic deposits to total assets | 90.6300% | 1,096 |
| Equity capital to assets | 9.3214% | 2,137 |
| Core capital (leverage) ratio | 10.1591% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $331,366,200 | 2,294 |
| Average earning assets | $306,709,400 | 2,299 |
| Average equity | $31,636,400 | 2,264 |
| Average total loans | $196,158,600 | 2,262 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 1,544 |
| Cost of funding earning assets | 0.1835% | 3,473 |
| Net interest margin | 3.6918% | 1,159 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.6664% | 1,545 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1000% | 2,099 |
| Return on assets (ROA) | 1.1000% | 2,064 |
| Pretax return on assets | 1.4288% | 1,631 |
| Return on Equity (ROE) | 11.4500% | 2,224 |
| Retained earnings to average equity (ytd only) | 8.0614% | 1,978 |
| Net charge-offs to loans | 0.0028% | 2,148 |
| Credit loss provision to net charge-offs | 350.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 881.2500% | 179 |
| Efficiency ratio | 65.0194% | 2,403 |
| Assets per employee ($millions) | 4.7257% | 3,891 |
| Cash dividends to net income (ytd only)* | 29.5967% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,467 |
| Loan loss allowance to noncurrent loans | 2,271.7557% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 3,528 |
| Noncurrent loans to loans | 0.0636% | 3,419 |
| Net loans and leases to total assets | 59.6800% | 2,534 |
| Net loans and leases to deposits | 65.7155% | 2,745 |
| Net loans and leases to core deposits | 67.3253% | 2,855 |
| Total domestic deposits to total assets | 90.8200% | 1,310 |
| Equity capital to assets | 9.0660% | 2,166 |
| Core capital (leverage) ratio | 10.2986% | 2,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $327,621,750 | 2,326 |
| Average earning assets | $303,727,250 | 2,335 |
| Average equity | $31,474,500 | 2,296 |
| Average total loans | $191,327,750 | 2,297 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 1,620 |
| Cost of funding earning assets | 0.1843% | 3,122 |
| Net interest margin | 3.4864% | 1,352 |
| Noninterest income to average assets | 0.7235% | 1,249 |
| Noninterest expense to average assets | 2.6616% | 1,477 |
| Loan and lease loss provision to assets | 0.0056% | 2,504 |
| Net operating income to assets | 0.9987% | 2,159 |
| Return on assets (ROA) | 0.9987% | 2,133 |
| Pretax return on assets | 1.2974% | 1,760 |
| Return on Equity (ROE) | 10.1945% | 2,268 |
| Retained earnings to average equity (ytd only) | 5.1446% | 2,655 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1346% | 2,368 |
| Assets per employee ($millions) | 4.9023% | 3,765 |
| Cash dividends to net income (ytd only)* | 49.5356% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 1,319 |
| Loan loss allowance to noncurrent loans | 944.4444% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0959% | 3,046 |
| Noncurrent loans to loans | 0.1624% | 2,881 |
| Net loans and leases to total assets | 58.1440% | 2,519 |
| Net loans and leases to deposits | 64.2549% | 2,694 |
| Net loans and leases to core deposits | 65.8916% | 2,828 |
| Total domestic deposits to total assets | 90.4897% | 1,473 |
| Equity capital to assets | 9.4059% | 2,094 |
| Core capital (leverage) ratio | 10.1697% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $323,412,000 | 2,372 |
| Average earning assets | $300,652,667 | 2,382 |
| Average equity | $31,683,667 | 2,329 |
| Average total loans | $186,419,667 | 2,337 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 2,462 |
| Cost of funding earning assets | 0.1869% | 2,986 |
| Net interest margin | 3.0873% | 2,214 |
| Noninterest income to average assets | 0.8726% | 881 |
| Noninterest expense to average assets | 2.6227% | 1,544 |
| Loan and lease loss provision to assets | 0.0062% | 2,198 |
| Net operating income to assets | 0.8676% | 2,427 |
| Return on assets (ROA) | 0.8676% | 2,417 |
| Pretax return on assets | 1.1269% | 2,058 |
| Return on Equity (ROE) | 8.6787% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.6787% | 1,374 |
| Net charge-offs to loans | -0.0022% | 3,122 |
| Credit loss provision to net charge-offs | -500.0000% | 3,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8307% | 2,258 |
| Assets per employee ($millions) | 4.8016% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 1,199 |
| Loan loss allowance to noncurrent loans | 596.7871% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 2,723 |
| Noncurrent loans to loans | 0.2727% | 2,497 |
| Net loans and leases to total assets | 55.0119% | 2,635 |
| Net loans and leases to deposits | 61.0151% | 2,807 |
| Net loans and leases to core deposits | 62.6865% | 2,917 |
| Total domestic deposits to total assets | 90.1610% | 1,471 |
| Equity capital to assets | 9.7352% | 2,101 |
| Core capital (leverage) ratio | 10.4248% | 1,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,890,500 | 2,393 |
| Average earning assets | $299,676,500 | 2,391 |
| Average equity | $32,078,500 | 2,383 |
| Average total loans | $182,653,500 | 2,358 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 1,646 |
| Cost of funding earning assets | 0.2242% | 3,205 |
| Net interest margin | 3.6642% | 1,303 |
| Noninterest income to average assets | 0.6606% | 1,900 |
| Noninterest expense to average assets | 2.7181% | 1,582 |
| Loan and lease loss provision to assets | 0.0837% | 1,466 |
| Net operating income to assets | 0.9876% | 2,723 |
| Return on assets (ROA) | 0.9876% | 2,788 |
| Pretax return on assets | 1.2510% | 2,519 |
| Return on Equity (ROE) | 9.2429% | 2,808 |
| Retained earnings to average equity (ytd only) | 6.6949% | 2,040 |
| Net charge-offs to loans | 0.0194% | 1,888 |
| Credit loss provision to net charge-offs | 723.5294% | 647 |
| Earnings coverage of net charge-offs (x) | 115.3529% | 809 |
| Efficiency ratio | 67.0669% | 2,113 |
| Assets per employee ($millions) | 4.7056% | 3,964 |
| Cash dividends to net income (ytd only)* | 27.5672% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 1,208 |
| Loan loss allowance to noncurrent loans | 619.2067% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 2,877 |
| Noncurrent loans to loans | 0.2622% | 2,670 |
| Net loans and leases to total assets | 57.0144% | 2,478 |
| Net loans and leases to deposits | 63.5667% | 2,728 |
| Net loans and leases to core deposits | 65.4424% | 2,868 |
| Total domestic deposits to total assets | 89.6922% | 1,114 |
| Equity capital to assets | 10.2675% | 2,406 |
| Core capital (leverage) ratio | 10.5273% | 1,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,843,000 | 2,458 |
| Average earning assets | $272,034,000 | 2,469 |
| Average equity | $31,397,000 | 2,448 |
| Average total loans | $175,146,600 | 2,421 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9848% | 1,574 |
| Cost of funding earning assets | 0.2328% | 3,291 |
| Net interest margin | 3.7519% | 1,220 |
| Noninterest income to average assets | 0.6641% | 1,958 |
| Noninterest expense to average assets | 2.7291% | 1,514 |
| Loan and lease loss provision to assets | 0.1113% | 1,086 |
| Net operating income to assets | 0.9844% | 2,973 |
| Return on assets (ROA) | 0.9844% | 3,050 |
| Pretax return on assets | 1.2867% | 2,656 |
| Return on Equity (ROE) | 9.1159% | 3,076 |
| Retained earnings to average equity (ytd only) | 5.6921% | 2,960 |
| Net charge-offs to loans | 0.0185% | 1,688 |
| Credit loss provision to net charge-offs | 1,004.1667% | 512 |
| Earnings coverage of net charge-offs (x) | 126.0417% | 753 |
| Efficiency ratio | 66.1254% | 2,085 |
| Assets per employee ($millions) | 4.5423% | 4,093 |
| Cash dividends to net income (ytd only)* | 37.5587% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 1,115 |
| Loan loss allowance to noncurrent loans | 353.6905% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 2,402 |
| Noncurrent loans to loans | 0.4797% | 2,121 |
| Net loans and leases to total assets | 56.5659% | 2,665 |
| Net loans and leases to deposits | 63.2369% | 2,931 |
| Net loans and leases to core deposits | 65.2448% | 3,016 |
| Total domestic deposits to total assets | 89.4508% | 1,042 |
| Equity capital to assets | 10.4562% | 2,482 |
| Core capital (leverage) ratio | 10.4404% | 2,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,485,000 | 2,510 |
| Average earning assets | $266,275,000 | 2,534 |
| Average equity | $31,153,500 | 2,490 |
| Average total loans | $173,253,750 | 2,478 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 1,656 |
| Cost of funding earning assets | 0.2417% | 3,357 |
| Net interest margin | 3.7167% | 1,309 |
| Noninterest income to average assets | 0.7076% | 1,781 |
| Noninterest expense to average assets | 2.7578% | 1,449 |
| Loan and lease loss provision to assets | 0.1356% | 907 |
| Net operating income to assets | 0.9449% | 3,073 |
| Return on assets (ROA) | 0.9449% | 3,160 |
| Pretax return on assets | 1.2345% | 2,819 |
| Return on Equity (ROE) | 8.6516% | 3,212 |
| Retained earnings to average equity (ytd only) | 3.4787% | 3,691 |
| Net charge-offs to loans | 0.0058% | 1,938 |
| Credit loss provision to net charge-offs | 3,840.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 388.0000% | 316 |
| Efficiency ratio | 66.8092% | 2,042 |
| Assets per employee ($millions) | 4.6422% | 3,977 |
| Cash dividends to net income (ytd only)* | 59.7907% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 1,148 |
| Loan loss allowance to noncurrent loans | 341.9767% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2850% | 2,502 |
| Noncurrent loans to loans | 0.4855% | 2,223 |
| Net loans and leases to total assets | 57.7289% | 2,704 |
| Net loans and leases to deposits | 64.4521% | 2,955 |
| Net loans and leases to core deposits | 66.5114% | 3,075 |
| Total domestic deposits to total assets | 89.5687% | 991 |
| Equity capital to assets | 10.2888% | 2,588 |
| Core capital (leverage) ratio | 10.7241% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,201,000 | 2,536 |
| Average earning assets | $260,610,000 | 2,553 |
| Average equity | $30,930,667 | 2,493 |
| Average total loans | $172,631,000 | 2,493 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 1,786 |
| Cost of funding earning assets | 0.2566% | 3,414 |
| Net interest margin | 3.6627% | 1,423 |
| Noninterest income to average assets | 0.5870% | 2,260 |
| Noninterest expense to average assets | 2.8489% | 1,260 |
| Loan and lease loss provision to assets | 0.1402% | 954 |
| Net operating income to assets | 0.7301% | 3,632 |
| Return on assets (ROA) | 0.7301% | 3,700 |
| Pretax return on assets | 0.9535% | 3,489 |
| Return on Equity (ROE) | 6.4782% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.4782% | 2,740 |
| Net charge-offs to loans | 0.0869% | 758 |
| Credit loss provision to net charge-offs | 259.4595% | 803 |
| Earnings coverage of net charge-offs (x) | 20.2432% | 1,251 |
| Efficiency ratio | 72.2593% | 1,466 |
| Assets per employee ($millions) | 4.3961% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 1,282 |
| Loan loss allowance to noncurrent loans | 312.9032% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 2,569 |
| Noncurrent loans to loans | 0.5130% | 2,320 |
| Net loans and leases to total assets | 60.3491% | 2,496 |
| Net loans and leases to deposits | 67.7214% | 2,729 |
| Net loans and leases to core deposits | 69.7884% | 2,883 |
| Total domestic deposits to total assets | 89.1138% | 1,283 |
| Equity capital to assets | 10.8428% | 1,972 |
| Core capital (leverage) ratio | 11.6961% | 1,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $273,929,000 | 2,575 |
| Average earning assets | $250,964,000 | 2,605 |
| Average equity | $30,873,000 | 2,492 |
| Average total loans | $170,379,000 | 2,511 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,115 |
| Cost of funding earning assets | 0.3107% | 4,083 |
| Net interest margin | 4.2769% | 531 |
| Noninterest income to average assets | 0.6801% | 1,927 |
| Noninterest expense to average assets | 3.1470% | 1,150 |
| Loan and lease loss provision to assets | 0.3154% | 1,182 |
| Net operating income to assets | 0.8881% | 2,745 |
| Return on assets (ROA) | 0.8864% | 2,897 |
| Pretax return on assets | 1.1055% | 2,670 |
| Return on Equity (ROE) | 7.2224% | 3,108 |
| Retained earnings to average equity (ytd only) | 4.5487% | 2,507 |
| Net charge-offs to loans | 0.0796% | 1,677 |
| Credit loss provision to net charge-offs | 587.0229% | 1,117 |
| Earnings coverage of net charge-offs (x) | 26.4809% | 1,715 |
| Efficiency ratio | 68.8628% | 2,114 |
| Assets per employee ($millions) | 4.0955% | 4,298 |
| Cash dividends to net income (ytd only)* | 37.0199% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 1,129 |
| Loan loss allowance to noncurrent loans | 262.0362% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 2,384 |
| Noncurrent loans to loans | 0.6350% | 2,099 |
| Net loans and leases to total assets | 62.0903% | 2,594 |
| Net loans and leases to deposits | 70.3882% | 2,835 |
| Net loans and leases to core deposits | 72.7571% | 3,016 |
| Total domestic deposits to total assets | 88.2111% | 1,371 |
| Equity capital to assets | 11.7366% | 1,709 |
| Core capital (leverage) ratio | 11.8001% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,788,400 | 2,626 |
| Average earning assets | $221,724,400 | 2,662 |
| Average equity | $29,920,800 | 2,480 |
| Average total loans | $164,490,200 | 2,531 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 965 |
| Cost of funding earning assets | 0.3187% | 4,224 |
| Net interest margin | 4.4321% | 446 |
| Noninterest income to average assets | 0.6867% | 1,837 |
| Noninterest expense to average assets | 3.1793% | 1,103 |
| Loan and lease loss provision to assets | 0.3629% | 1,027 |
| Net operating income to assets | 0.8990% | 2,712 |
| Return on assets (ROA) | 0.8968% | 2,837 |
| Pretax return on assets | 1.1722% | 2,482 |
| Return on Equity (ROE) | 7.2207% | 3,114 |
| Retained earnings to average equity (ytd only) | 3.6305% | 3,237 |
| Net charge-offs to loans | 0.0958% | 1,347 |
| Credit loss provision to net charge-offs | 551.6949% | 1,216 |
| Earnings coverage of net charge-offs (x) | 23.3814% | 1,798 |
| Efficiency ratio | 67.3993% | 2,265 |
| Assets per employee ($millions) | 3.8340% | 4,449 |
| Cash dividends to net income (ytd only)* | 49.7203% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 1,235 |
| Loan loss allowance to noncurrent loans | 201.2918% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 1,686 |
| Noncurrent loans to loans | 0.7700% | 1,890 |
| Net loans and leases to total assets | 66.4916% | 2,450 |
| Net loans and leases to deposits | 75.6545% | 2,785 |
| Net loans and leases to core deposits | 78.2134% | 2,988 |
| Total domestic deposits to total assets | 87.8885% | 1,268 |
| Equity capital to assets | 11.9309% | 1,721 |
| Core capital (leverage) ratio | 11.9433% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,207,500 | 2,632 |
| Average earning assets | $217,528,250 | 2,675 |
| Average equity | $29,710,250 | 2,490 |
| Average total loans | $164,237,750 | 2,540 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 1,167 |
| Cost of funding earning assets | 0.3249% | 4,381 |
| Net interest margin | 4.4776% | 527 |
| Noninterest income to average assets | 0.6735% | 1,840 |
| Noninterest expense to average assets | 3.1757% | 1,202 |
| Loan and lease loss provision to assets | 0.3734% | 1,120 |
| Net operating income to assets | 0.9096% | 2,654 |
| Return on assets (ROA) | 0.9096% | 2,773 |
| Pretax return on assets | 1.1893% | 2,396 |
| Return on Equity (ROE) | 7.2216% | 3,047 |
| Retained earnings to average equity (ytd only) | 1.8071% | 3,829 |
| Net charge-offs to loans | 0.1173% | 1,142 |
| Credit loss provision to net charge-offs | 461.0526% | 1,292 |
| Earnings coverage of net charge-offs (x) | 19.2947% | 1,731 |
| Efficiency ratio | 67.0205% | 2,375 |
| Assets per employee ($millions) | 3.9769% | 4,335 |
| Cash dividends to net income (ytd only)* | 74.9766% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,400 |
| Loan loss allowance to noncurrent loans | 125.0127% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.9368% | 1,306 |
| Noncurrent loans to loans | 1.1611% | 1,355 |
| Net loans and leases to total assets | 66.6357% | 2,544 |
| Net loans and leases to deposits | 75.7000% | 2,907 |
| Net loans and leases to core deposits | 78.1847% | 3,090 |
| Total domestic deposits to total assets | 88.0260% | 1,164 |
| Equity capital to assets | 11.8415% | 1,760 |
| Core capital (leverage) ratio | 12.1281% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,596,333 | 2,644 |
| Average earning assets | $212,971,000 | 2,688 |
| Average equity | $29,550,333 | 2,493 |
| Average total loans | $162,017,000 | 2,548 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 995 |
| Cost of funding earning assets | 0.3380% | 4,556 |
| Net interest margin | 4.6502% | 376 |
| Noninterest income to average assets | 0.7466% | 1,471 |
| Noninterest expense to average assets | 3.3554% | 1,133 |
| Loan and lease loss provision to assets | 0.3971% | 771 |
| Net operating income to assets | 0.9143% | 2,471 |
| Return on assets (ROA) | 0.9143% | 2,582 |
| Pretax return on assets | 1.1949% | 2,216 |
| Return on Equity (ROE) | 7.0258% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.0258% | 1,523 |
| Net charge-offs to loans | 0.1844% | 732 |
| Credit loss provision to net charge-offs | 308.2192% | 1,156 |
| Earnings coverage of net charge-offs (x) | 12.3562% | 1,697 |
| Efficiency ratio | 67.8202% | 2,701 |
| Assets per employee ($millions) | 3.6003% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,567 |
| Loan loss allowance to noncurrent loans | 123.2735% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9322% | 1,426 |
| Noncurrent loans to loans | 1.1639% | 1,421 |
| Net loans and leases to total assets | 67.5899% | 2,599 |
| Net loans and leases to deposits | 77.8582% | 2,903 |
| Net loans and leases to core deposits | 80.8004% | 3,128 |
| Total domestic deposits to total assets | 86.8116% | 1,646 |
| Equity capital to assets | 13.0001% | 1,428 |
| Core capital (leverage) ratio | 13.0297% | 1,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,623,000 | 2,658 |
| Average earning assets | $204,722,000 | 2,704 |
| Average equity | $29,491,500 | 2,491 |
| Average total loans | $158,320,500 | 2,559 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 1,040 |
| Cost of funding earning assets | 0.3148% | 4,697 |
| Net interest margin | 4.8654% | 353 |
| Noninterest income to average assets | 0.7521% | 1,621 |
| Noninterest expense to average assets | 3.3767% | 1,157 |
| Loan and lease loss provision to assets | 0.1581% | 1,328 |
| Net operating income to assets | 1.2881% | 1,738 |
| Return on assets (ROA) | 1.2848% | 1,828 |
| Pretax return on assets | 1.6190% | 1,431 |
| Return on Equity (ROE) | 10.2362% | 2,190 |
| Retained earnings to average equity (ytd only) | 7.3659% | 1,222 |
| Net charge-offs to loans | 0.3706% | 539 |
| Credit loss provision to net charge-offs | 60.6218% | 3,028 |
| Earnings coverage of net charge-offs (x) | 6.8307% | 2,929 |
| Efficiency ratio | 65.4676% | 2,844 |
| Assets per employee ($millions) | 3.3761% | 4,587 |
| Cash dividends to net income (ytd only)* | 28.0407% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 1,777 |
| Loan loss allowance to noncurrent loans | 105.6943% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8985% | 1,417 |
| Noncurrent loans to loans | 1.2620% | 1,194 |
| Net loans and leases to total assets | 70.2420% | 2,361 |
| Net loans and leases to deposits | 80.8943% | 2,673 |
| Net loans and leases to core deposits | 83.8257% | 2,965 |
| Total domestic deposits to total assets | 86.8318% | 1,698 |
| Equity capital to assets | 13.0273% | 1,505 |
| Core capital (leverage) ratio | 13.2435% | 1,136 |
| Tier 1 risk-based capital ratio | 18.4606% | 1,644 |
| Total risk-based capital ratio | 19.7121% | 1,615 |
| Memoranda: | ||
| Average total assets | $222,049,600 | 2,642 |
| Average earning assets | $201,071,200 | 2,701 |
| Average equity | $27,871,600 | 2,504 |
| Average total loans | $156,249,000 | 2,556 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1952% | 1,051 |
| Cost of funding earning assets | 0.3079% | 4,779 |
| Net interest margin | 4.8873% | 355 |
| Noninterest income to average assets | 0.7831% | 1,474 |
| Noninterest expense to average assets | 3.3691% | 1,141 |
| Loan and lease loss provision to assets | 0.1466% | 1,301 |
| Net operating income to assets | 1.3288% | 1,735 |
| Return on assets (ROA) | 1.3245% | 1,820 |
| Pretax return on assets | 1.6881% | 1,371 |
| Return on Equity (ROE) | 10.6538% | 2,156 |
| Retained earnings to average equity (ytd only) | 6.7867% | 1,961 |
| Net charge-offs to loans | 0.1747% | 968 |
| Credit loss provision to net charge-offs | 119.6078% | 1,957 |
| Earnings coverage of net charge-offs (x) | 15.0100% | 2,217 |
| Efficiency ratio | 64.6747% | 2,914 |
| Assets per employee ($millions) | 3.5102% | 4,490 |
| Cash dividends to net income (ytd only)* | 36.2977% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5218% | 1,194 |
| Loan loss allowance to noncurrent loans | 143.2692% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9250% | 1,463 |
| Noncurrent loans to loans | 1.0622% | 1,505 |
| Net loans and leases to total assets | 70.8877% | 2,343 |
| Net loans and leases to deposits | 81.6719% | 2,730 |
| Net loans and leases to core deposits | 85.2697% | 2,970 |
| Total domestic deposits to total assets | 86.7957% | 1,621 |
| Equity capital to assets | 13.0339% | 1,601 |
| Core capital (leverage) ratio | 13.0155% | 1,337 |
| Tier 1 risk-based capital ratio | 18.3898% | 1,716 |
| Total risk-based capital ratio | 19.6435% | 1,679 |
| Memoranda: | ||
| Average total assets | $221,856,000 | 2,665 |
| Average earning assets | $200,924,750 | 2,725 |
| Average equity | $27,582,500 | 2,536 |
| Average total loans | $155,653,250 | 2,590 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 1,115 |
| Cost of funding earning assets | 0.2965% | 4,835 |
| Net interest margin | 4.8512% | 372 |
| Noninterest income to average assets | 0.7408% | 1,551 |
| Noninterest expense to average assets | 3.3700% | 1,156 |
| Loan and lease loss provision to assets | 0.1451% | 1,274 |
| Net operating income to assets | 1.2917% | 1,810 |
| Return on assets (ROA) | 1.2917% | 1,865 |
| Pretax return on assets | 1.6223% | 1,478 |
| Return on Equity (ROE) | 10.5559% | 2,151 |
| Retained earnings to average equity (ytd only) | 10.5559% | 626 |
| Net charge-offs to loans | 0.1172% | 1,259 |
| Credit loss provision to net charge-offs | 178.0220% | 1,326 |
| Earnings coverage of net charge-offs (x) | 21.6813% | 1,727 |
| Efficiency ratio | 65.5972% | 2,870 |
| Assets per employee ($millions) | 3.4347% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 1,117 |
| Loan loss allowance to noncurrent loans | 130.4700% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 1,394 |
| Noncurrent loans to loans | 1.1967% | 1,341 |
| Net loans and leases to total assets | 69.2673% | 2,635 |
| Net loans and leases to deposits | 79.7008% | 2,988 |
| Net loans and leases to core deposits | 83.2319% | 3,176 |
| Total domestic deposits to total assets | 86.9092% | 1,638 |
| Equity capital to assets | 12.9089% | 1,633 |
| Core capital (leverage) ratio | 12.8268% | 1,389 |
| Tier 1 risk-based capital ratio | 18.6021% | 1,641 |
| Total risk-based capital ratio | 19.8562% | 1,605 |
| Memoranda: | ||
| Average total assets | $223,263,670 | 2,662 |
| Average earning assets | $202,342,670 | 2,714 |
| Average equity | $27,321,330 | 2,546 |
| Average total loans | $155,318,000 | 2,602 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1187% | 1,058 |
| Cost of funding earning assets | 0.2842% | 4,886 |
| Net interest margin | 4.8346% | 377 |
| Noninterest income to average assets | 0.6525% | 1,817 |
| Noninterest expense to average assets | 3.4064% | 1,102 |
| Loan and lease loss provision to assets | 0.1440% | 1,186 |
| Net operating income to assets | 1.1165% | 2,406 |
| Return on assets (ROA) | 1.1165% | 2,455 |
| Pretax return on assets | 1.4881% | 1,809 |
| Return on Equity (ROE) | 9.3752% | 2,639 |
| Retained earnings to average equity (ytd only) | 9.3752% | 1,199 |
| Net charge-offs to loans | 0.1876% | 741 |
| Credit loss provision to net charge-offs | 110.9589% | 1,490 |
| Earnings coverage of net charge-offs (x) | 12.5753% | 1,864 |
| Efficiency ratio | 67.6076% | 2,697 |
| Assets per employee ($millions) | 3.4380% | 4,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5259% | 1,255 |
| Loan loss allowance to noncurrent loans | 154.2295% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 1,720 |
| Noncurrent loans to loans | 0.9894% | 1,694 |
| Net loans and leases to total assets | 66.8923% | 2,920 |
| Net loans and leases to deposits | 76.1293% | 3,248 |
| Net loans and leases to core deposits | 79.0186% | 3,448 |
| Total domestic deposits to total assets | 87.8667% | 1,408 |
| Equity capital to assets | 11.9808% | 2,032 |
| Core capital (leverage) ratio | 12.3334% | 1,587 |
| Tier 1 risk-based capital ratio | 17.9029% | 1,816 |
| Total risk-based capital ratio | 19.1564% | 1,779 |
| Memoranda: | ||
| Average total assets | $224,986,500 | 2,682 |
| Average earning assets | $204,113,000 | 2,724 |
| Average equity | $26,794,000 | 2,586 |
| Average total loans | $155,638,500 | 2,632 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 1,041 |
| Cost of funding earning assets | 0.2591% | 4,765 |
| Net interest margin | 4.7439% | 449 |
| Noninterest income to average assets | 0.7228% | 1,760 |
| Noninterest expense to average assets | 3.3702% | 1,199 |
| Loan and lease loss provision to assets | 0.1419% | 1,517 |
| Net operating income to assets | 1.2013% | 2,167 |
| Return on assets (ROA) | 1.1919% | 2,208 |
| Pretax return on assets | 1.4981% | 1,791 |
| Return on Equity (ROE) | 10.4913% | 2,294 |
| Retained earnings to average equity (ytd only) | 7.3300% | 1,526 |
| Net charge-offs to loans | 0.0753% | 2,044 |
| Credit loss provision to net charge-offs | 270.0855% | 1,110 |
| Earnings coverage of net charge-offs (x) | 31.4444% | 1,544 |
| Efficiency ratio | 67.1107% | 2,691 |
| Assets per employee ($millions) | 3.4318% | 4,629 |
| Cash dividends to net income (ytd only)* | 30.1318% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,320 |
| Loan loss allowance to noncurrent loans | 132.8045% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.9477% | 1,448 |
| Noncurrent loans to loans | 1.1232% | 1,438 |
| Net loans and leases to total assets | 69.3954% | 2,676 |
| Net loans and leases to deposits | 78.7849% | 3,068 |
| Net loans and leases to core deposits | 81.2819% | 3,326 |
| Total domestic deposits to total assets | 88.0821% | 1,263 |
| Equity capital to assets | 11.8363% | 2,007 |
| Core capital (leverage) ratio | 12.2613% | 1,581 |
| Tier 1 risk-based capital ratio | 17.4015% | 1,919 |
| Total risk-based capital ratio | 18.6547% | 1,878 |
| Memoranda: | ||
| Average total assets | $222,744,800 | 2,678 |
| Average earning assets | $201,859,200 | 2,703 |
| Average equity | $25,306,800 | 2,621 |
| Average total loans | $155,416,200 | 2,578 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 946 |
| Cost of funding earning assets | 0.2540% | 4,765 |
| Net interest margin | 4.7438% | 429 |
| Noninterest income to average assets | 0.7389% | 1,720 |
| Noninterest expense to average assets | 3.3652% | 1,169 |
| Loan and lease loss provision to assets | 0.1557% | 1,255 |
| Net operating income to assets | 1.1689% | 2,374 |
| Return on assets (ROA) | 1.1736% | 2,351 |
| Pretax return on assets | 1.5185% | 1,843 |
| Return on Equity (ROE) | 10.4394% | 2,416 |
| Retained earnings to average equity (ytd only) | 6.1784% | 2,558 |
| Net charge-offs to loans | -0.0705% | 5,055 |
| Credit loss provision to net charge-offs | -317.0732% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8570% | 2,739 |
| Assets per employee ($millions) | 3.2852% | 4,789 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,129 |
| Loan loss allowance to noncurrent loans | 137.9922% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 1,459 |
| Noncurrent loans to loans | 1.1429% | 1,482 |
| Net loans and leases to total assets | 71.6101% | 2,390 |
| Net loans and leases to deposits | 81.2510% | 2,900 |
| Net loans and leases to core deposits | 83.6129% | 3,183 |
| Total domestic deposits to total assets | 88.1344% | 1,188 |
| Equity capital to assets | 11.7106% | 2,092 |
| Core capital (leverage) ratio | 12.0812% | 1,739 |
| Tier 1 risk-based capital ratio | 16.4920% | 2,274 |
| Total risk-based capital ratio | 17.7455% | 2,213 |
| Memoranda: | ||
| Average total assets | $222,664,000 | 2,690 |
| Average earning assets | $201,577,250 | 2,723 |
| Average equity | $25,032,750 | 2,659 |
| Average total loans | $154,984,500 | 2,596 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 1,176 |
| Cost of funding earning assets | 0.2494% | 4,749 |
| Net interest margin | 4.5806% | 577 |
| Noninterest income to average assets | 0.7756% | 1,552 |
| Noninterest expense to average assets | 3.3622% | 1,196 |
| Loan and lease loss provision to assets | 0.1834% | 974 |
| Net operating income to assets | 1.0846% | 2,646 |
| Return on assets (ROA) | 1.0917% | 2,625 |
| Pretax return on assets | 1.3926% | 2,172 |
| Return on Equity (ROE) | 9.8421% | 2,637 |
| Retained earnings to average equity (ytd only) | 3.4199% | 3,868 |
| Net charge-offs to loans | 0.1246% | 1,184 |
| Credit loss provision to net charge-offs | 214.5833% | 1,238 |
| Earnings coverage of net charge-offs (x) | 18.3333% | 1,906 |
| Efficiency ratio | 68.2081% | 2,613 |
| Assets per employee ($millions) | 3.2611% | 4,865 |
| Cash dividends to net income (ytd only)* | 65.2529% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4655% | 1,500 |
| Loan loss allowance to noncurrent loans | 89.3861% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 1,205 |
| Noncurrent loans to loans | 1.6396% | 981 |
| Net loans and leases to total assets | 68.4294% | 2,804 |
| Net loans and leases to deposits | 77.1739% | 3,240 |
| Net loans and leases to core deposits | 79.8148% | 3,434 |
| Total domestic deposits to total assets | 88.6691% | 1,072 |
| Equity capital to assets | 11.1839% | 2,471 |
| Core capital (leverage) ratio | 11.4559% | 2,106 |
| Tier 1 risk-based capital ratio | 16.3327% | 2,318 |
| Total risk-based capital ratio | 17.5849% | 2,265 |
| Memoranda: | ||
| Average total assets | $224,612,000 | 2,684 |
| Average earning assets | $203,684,670 | 2,719 |
| Average equity | $24,913,330 | 2,672 |
| Average total loans | $154,061,670 | 2,620 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 1,045 |
| Cost of funding earning assets | 0.2456% | 4,740 |
| Net interest margin | 4.5708% | 534 |
| Noninterest income to average assets | 0.8636% | 1,252 |
| Noninterest expense to average assets | 3.3676% | 1,219 |
| Loan and lease loss provision to assets | 0.1858% | 917 |
| Net operating income to assets | 1.0938% | 2,452 |
| Return on assets (ROA) | 1.1078% | 2,406 |
| Pretax return on assets | 1.4776% | 1,734 |
| Return on Equity (ROE) | 10.0282% | 2,407 |
| Retained earnings to average equity (ytd only) | 10.0282% | 1,143 |
| Net charge-offs to loans | 0.1869% | 784 |
| Credit loss provision to net charge-offs | 145.8333% | 1,248 |
| Earnings coverage of net charge-offs (x) | 12.9167% | 1,779 |
| Efficiency ratio | 67.1726% | 2,974 |
| Assets per employee ($millions) | 3.2643% | 4,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4253% | 1,746 |
| Loan loss allowance to noncurrent loans | 75.3979% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.3111% | 1,132 |
| Noncurrent loans to loans | 1.8904% | 868 |
| Net loans and leases to total assets | 66.9088% | 2,901 |
| Net loans and leases to deposits | 75.3352% | 3,286 |
| Net loans and leases to core deposits | 77.8649% | 3,502 |
| Total domestic deposits to total assets | 88.8148% | 1,198 |
| Equity capital to assets | 11.1302% | 2,452 |
| Core capital (leverage) ratio | 11.6395% | 1,901 |
| Tier 1 risk-based capital ratio | 16.5666% | 2,253 |
| Total risk-based capital ratio | 17.8185% | 2,200 |
| Memoranda: | ||
| Average total assets | $226,039,500 | 2,698 |
| Average earning assets | $205,216,500 | 2,737 |
| Average equity | $24,969,500 | 2,689 |
| Average total loans | $154,090,500 | 2,643 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6781% | 1,250 |
| Cost of funding earning assets | 0.2503% | 4,560 |
| Net interest margin | 4.4279% | 718 |
| Noninterest income to average assets | 0.8816% | 1,323 |
| Noninterest expense to average assets | 3.2539% | 1,485 |
| Loan and lease loss provision to assets | 0.1732% | 1,260 |
| Net operating income to assets | 1.0308% | 2,120 |
| Return on assets (ROA) | 1.0333% | 2,144 |
| Pretax return on assets | 1.5034% | 1,632 |
| Return on Equity (ROE) | 9.3308% | 2,168 |
| Retained earnings to average equity (ytd only) | 6.4343% | 1,314 |
| Net charge-offs to loans | 0.0391% | 3,021 |
| Credit loss provision to net charge-offs | 651.7241% | 498 |
| Earnings coverage of net charge-offs (x) | 62.9483% | 924 |
| Efficiency ratio | 66.0435% | 3,258 |
| Assets per employee ($millions) | 3.2876% | 4,946 |
| Cash dividends to net income (ytd only)* | 31.0421% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 1,836 |
| Loan loss allowance to noncurrent loans | 72.9684% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 1.2996% | 1,115 |
| Noncurrent loans to loans | 1.8938% | 823 |
| Net loans and leases to total assets | 67.5151% | 2,887 |
| Net loans and leases to deposits | 75.9060% | 3,335 |
| Net loans and leases to core deposits | 78.5321% | 3,542 |
| Total domestic deposits to total assets | 88.9457% | 1,029 |
| Equity capital to assets | 10.9635% | 2,664 |
| Core capital (leverage) ratio | 11.6746% | 1,812 |
| Tier 1 risk-based capital ratio | 16.1702% | 2,371 |
| Total risk-based capital ratio | 17.4218% | 2,308 |
| Memoranda: | ||
| Average total assets | $218,232,200 | 2,740 |
| Average earning assets | $199,374,400 | 2,772 |
| Average equity | $24,167,200 | 2,739 |
| Average total loans | $148,493,200 | 2,670 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 1,235 |
| Cost of funding earning assets | 0.2509% | 4,557 |
| Net interest margin | 4.4064% | 722 |
| Noninterest income to average assets | 0.8793% | 1,342 |
| Noninterest expense to average assets | 3.2018% | 1,553 |
| Loan and lease loss provision to assets | 0.1746% | 1,153 |
| Net operating income to assets | 1.0733% | 2,214 |
| Return on assets (ROA) | 1.0767% | 2,244 |
| Pretax return on assets | 1.5389% | 1,626 |
| Return on Equity (ROE) | 9.6976% | 2,260 |
| Retained earnings to average equity (ytd only) | 5.8075% | 2,375 |
| Net charge-offs to loans | 0.0427% | 2,586 |
| Credit loss provision to net charge-offs | 602.1277% | 543 |
| Earnings coverage of net charge-offs (x) | 58.9103% | 1,003 |
| Efficiency ratio | 65.2048% | 3,343 |
| Assets per employee ($millions) | 3.2374% | 5,028 |
| Cash dividends to net income (ytd only)* | 40.1146% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3612% | 2,075 |
| Loan loss allowance to noncurrent loans | 78.3948% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2153% | 1,351 |
| Noncurrent loans to loans | 1.7363% | 1,036 |
| Net loans and leases to total assets | 68.8549% | 2,718 |
| Net loans and leases to deposits | 77.8986% | 3,174 |
| Net loans and leases to core deposits | 80.7364% | 3,389 |
| Total domestic deposits to total assets | 88.3904% | 1,175 |
| Equity capital to assets | 11.2998% | 2,574 |
| Core capital (leverage) ratio | 11.4897% | 2,029 |
| Tier 1 risk-based capital ratio | 16.5370% | 2,313 |
| Total risk-based capital ratio | 17.7889% | 2,266 |
| Memoranda: | ||
| Average total assets | $216,079,250 | 2,785 |
| Average earning assets | $197,676,250 | 2,818 |
| Average equity | $23,991,500 | 2,783 |
| Average total loans | $146,791,500 | 2,704 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5528% | 1,384 |
| Cost of funding earning assets | 0.2488% | 4,551 |
| Net interest margin | 4.3040% | 847 |
| Noninterest income to average assets | 0.7294% | 1,863 |
| Noninterest expense to average assets | 3.1501% | 1,704 |
| Loan and lease loss provision to assets | 0.1715% | 1,134 |
| Net operating income to assets | 0.9475% | 2,675 |
| Return on assets (ROA) | 0.9527% | 2,702 |
| Pretax return on assets | 1.3586% | 2,170 |
| Return on Equity (ROE) | 8.6319% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.1129% | 2,051 |
| Net charge-offs to loans | 0.0509% | 2,198 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 44.4054% | 1,172 |
| Efficiency ratio | 67.4137% | 3,115 |
| Assets per employee ($millions) | 3.3167% | 4,963 |
| Cash dividends to net income (ytd only)* | 29.1829% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 2,280 |
| Loan loss allowance to noncurrent loans | 66.8699% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 1,193 |
| Noncurrent loans to loans | 1.9868% | 848 |
| Net loans and leases to total assets | 66.9747% | 2,955 |
| Net loans and leases to deposits | 75.4217% | 3,417 |
| Net loans and leases to core deposits | 78.0875% | 3,588 |
| Total domestic deposits to total assets | 88.8003% | 1,055 |
| Equity capital to assets | 11.0882% | 2,715 |
| Core capital (leverage) ratio | 11.1056% | 2,308 |
| Tier 1 risk-based capital ratio | 16.5460% | 2,302 |
| Total risk-based capital ratio | 17.7973% | 2,253 |
| Memoranda: | ||
| Average total assets | $215,803,330 | 2,802 |
| Average earning assets | $197,722,670 | 2,830 |
| Average equity | $23,818,670 | 2,802 |
| Average total loans | $145,251,330 | 2,726 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 1,413 |
| Cost of funding earning assets | 0.2501% | 4,537 |
| Net interest margin | 4.2336% | 919 |
| Noninterest income to average assets | 0.6870% | 2,017 |
| Noninterest expense to average assets | 3.1458% | 1,748 |
| Loan and lease loss provision to assets | 0.1774% | 987 |
| Net operating income to assets | 0.8745% | 2,884 |
| Return on assets (ROA) | 0.8849% | 2,886 |
| Pretax return on assets | 1.2658% | 2,365 |
| Return on Equity (ROE) | 8.0366% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.0366% | 1,445 |
| Net charge-offs to loans | -0.0529% | 5,209 |
| Credit loss provision to net charge-offs | -500.0000% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7755% | 3,085 |
| Assets per employee ($millions) | 3.4290% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 2,402 |
| Loan loss allowance to noncurrent loans | 60.8532% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4527% | 1,128 |
| Noncurrent loans to loans | 2.1817% | 780 |
| Net loans and leases to total assets | 65.7006% | 3,018 |
| Net loans and leases to deposits | 73.9152% | 3,414 |
| Net loans and leases to core deposits | 76.3983% | 3,620 |
| Total domestic deposits to total assets | 88.8865% | 1,205 |
| Equity capital to assets | 10.8670% | 2,782 |
| Core capital (leverage) ratio | 11.1777% | 2,211 |
| Tier 1 risk-based capital ratio | 16.6737% | 2,292 |
| Total risk-based capital ratio | 17.9250% | 2,256 |
| Memoranda: | ||
| Average total assets | $214,255,500 | 2,838 |
| Average earning assets | $196,712,500 | 2,863 |
| Average equity | $23,592,000 | 2,835 |
| Average total loans | $143,586,500 | 2,767 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 1,566 |
| Cost of funding earning assets | 0.2594% | 4,472 |
| Net interest margin | 4.2295% | 1,054 |
| Noninterest income to average assets | 0.6917% | 2,211 |
| Noninterest expense to average assets | 3.2365% | 1,709 |
| Loan and lease loss provision to assets | 0.1636% | 1,509 |
| Net operating income to assets | 0.8212% | 3,202 |
| Return on assets (ROA) | 0.8351% | 3,241 |
| Pretax return on assets | 1.2016% | 2,668 |
| Return on Equity (ROE) | 7.5198% | 3,208 |
| Retained earnings to average equity (ytd only) | 4.4876% | 2,719 |
| Net charge-offs to loans | 0.1653% | 1,635 |
| Credit loss provision to net charge-offs | 147.8261% | 1,855 |
| Earnings coverage of net charge-offs (x) | 12.1565% | 2,480 |
| Efficiency ratio | 70.6426% | 2,805 |
| Assets per employee ($millions) | 3.3184% | 5,020 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 2,576 |
| Loan loss allowance to noncurrent loans | 73.8972% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.1820% | 1,533 |
| Noncurrent loans to loans | 1.7518% | 1,095 |
| Net loans and leases to total assets | 66.5964% | 2,991 |
| Net loans and leases to deposits | 75.0697% | 3,402 |
| Net loans and leases to core deposits | 77.8572% | 3,579 |
| Total domestic deposits to total assets | 88.7127% | 1,263 |
| Equity capital to assets | 11.1625% | 2,469 |
| Core capital (leverage) ratio | 11.3122% | 2,070 |
| Tier 1 risk-based capital ratio | 16.9752% | 2,166 |
| Total risk-based capital ratio | 18.2257% | 2,117 |
| Memoranda: | ||
| Average total assets | $207,881,600 | 2,882 |
| Average earning assets | $191,178,800 | 2,884 |
| Average equity | $23,085,800 | 2,886 |
| Average total loans | $139,100,000 | 2,793 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 1,714 |
| Cost of funding earning assets | 0.2598% | 4,506 |
| Net interest margin | 4.1849% | 1,164 |
| Noninterest income to average assets | 0.6827% | 2,251 |
| Noninterest expense to average assets | 3.2435% | 1,697 |
| Loan and lease loss provision to assets | 0.1606% | 1,440 |
| Net operating income to assets | 0.7885% | 3,419 |
| Return on assets (ROA) | 0.8074% | 3,474 |
| Pretax return on assets | 1.1542% | 3,025 |
| Return on Equity (ROE) | 7.2794% | 3,413 |
| Retained earnings to average equity (ytd only) | 3.2257% | 3,980 |
| Net charge-offs to loans | 0.0875% | 2,088 |
| Credit loss provision to net charge-offs | 274.7253% | 1,116 |
| Earnings coverage of net charge-offs (x) | 22.0331% | 1,785 |
| Efficiency ratio | 71.5804% | 2,635 |
| Assets per employee ($millions) | 3.1906% | 5,194 |
| Cash dividends to net income (ytd only)* | 55.6881% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,578 |
| Loan loss allowance to noncurrent loans | 96.6495% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 2,244 |
| Noncurrent loans to loans | 1.3654% | 1,615 |
| Net loans and leases to total assets | 66.5813% | 3,027 |
| Net loans and leases to deposits | 75.1210% | 3,485 |
| Net loans and leases to core deposits | 78.1139% | 3,656 |
| Total domestic deposits to total assets | 88.6322% | 1,085 |
| Equity capital to assets | 11.0363% | 2,968 |
| Core capital (leverage) ratio | 11.1464% | 2,313 |
| Tier 1 risk-based capital ratio | 16.6298% | 2,368 |
| Total risk-based capital ratio | 17.8811% | 2,312 |
| Memoranda: | ||
| Average total assets | $207,587,500 | 2,894 |
| Average earning assets | $190,901,750 | 2,896 |
| Average equity | $23,023,250 | 2,907 |
| Average total loans | $138,612,250 | 2,804 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 1,758 |
| Cost of funding earning assets | 0.2603% | 4,545 |
| Net interest margin | 4.1650% | 1,190 |
| Noninterest income to average assets | 0.6999% | 2,143 |
| Noninterest expense to average assets | 3.2499% | 1,697 |
| Loan and lease loss provision to assets | 0.1549% | 1,475 |
| Net operating income to assets | 0.7851% | 3,383 |
| Return on assets (ROA) | 0.7851% | 3,530 |
| Pretax return on assets | 1.1211% | 3,121 |
| Return on Equity (ROE) | 7.0672% | 3,502 |
| Retained earnings to average equity (ytd only) | 4.4530% | 3,081 |
| Net charge-offs to loans | 0.1280% | 1,564 |
| Credit loss provision to net charge-offs | 181.8182% | 1,389 |
| Earnings coverage of net charge-offs (x) | 14.9773% | 2,023 |
| Efficiency ratio | 71.8075% | 2,693 |
| Assets per employee ($millions) | 3.1704% | 5,247 |
| Cash dividends to net income (ytd only)* | 36.9914% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,833 |
| Loan loss allowance to noncurrent loans | 74.7074% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.3601% | 1,458 |
| Noncurrent loans to loans | 1.7292% | 1,220 |
| Net loans and leases to total assets | 65.2559% | 3,188 |
| Net loans and leases to deposits | 73.7454% | 3,622 |
| Net loans and leases to core deposits | 76.7446% | 3,756 |
| Total domestic deposits to total assets | 88.4881% | 1,173 |
| Equity capital to assets | 11.1219% | 2,924 |
| Core capital (leverage) ratio | 11.0652% | 2,370 |
| Tier 1 risk-based capital ratio | 16.9198% | 2,244 |
| Total risk-based capital ratio | 18.1705% | 2,204 |
| Memoranda: | ||
| Average total assets | $206,591,000 | 2,915 |
| Average earning assets | $189,772,670 | 2,930 |
| Average equity | $22,951,000 | 2,928 |
| Average total loans | $137,456,330 | 2,827 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 1,620 |
| Cost of funding earning assets | 0.2634% | 4,570 |
| Net interest margin | 4.1989% | 1,102 |
| Noninterest income to average assets | 0.7464% | 1,830 |
| Noninterest expense to average assets | 3.3167% | 1,562 |
| Loan and lease loss provision to assets | 0.1364% | 1,535 |
| Net operating income to assets | 0.8029% | 3,233 |
| Return on assets (ROA) | 0.8029% | 3,347 |
| Pretax return on assets | 1.1458% | 2,911 |
| Return on Equity (ROE) | 7.2311% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.2311% | 1,778 |
| Net charge-offs to loans | 0.0817% | 1,678 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,362 |
| Efficiency ratio | 72.1186% | 2,783 |
| Assets per employee ($millions) | 3.4009% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,944 |
| Loan loss allowance to noncurrent loans | 72.6747% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3654% | 1,549 |
| Noncurrent loans to loans | 1.7790% | 1,243 |
| Net loans and leases to total assets | 63.6526% | 3,286 |
| Net loans and leases to deposits | 71.6690% | 3,682 |
| Net loans and leases to core deposits | 74.5173% | 3,837 |
| Total domestic deposits to total assets | 88.8147% | 1,195 |
| Equity capital to assets | 10.9420% | 3,002 |
| Core capital (leverage) ratio | 11.1152% | 2,296 |
| Tier 1 risk-based capital ratio | 17.5473% | 2,106 |
| Total risk-based capital ratio | 18.7987% | 2,077 |
| Memoranda: | ||
| Average total assets | $205,264,500 | 2,934 |
| Average earning assets | $188,334,500 | 2,955 |
| Average equity | $22,790,500 | 2,948 |
| Average total loans | $137,019,000 | 2,837 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 1,228 |
| Cost of funding earning assets | 0.2685% | 4,606 |
| Net interest margin | 4.3757% | 835 |
| Noninterest income to average assets | 0.8001% | 1,792 |
| Noninterest expense to average assets | 3.3127% | 1,692 |
| Loan and lease loss provision to assets | 0.1772% | 1,279 |
| Net operating income to assets | 0.9494% | 2,615 |
| Return on assets (ROA) | 0.9479% | 2,702 |
| Pretax return on assets | 1.3267% | 2,173 |
| Return on Equity (ROE) | 8.5407% | 2,700 |
| Retained earnings to average equity (ytd only) | 5.5752% | 2,034 |
| Net charge-offs to loans | 0.2838% | 1,068 |
| Credit loss provision to net charge-offs | 90.4393% | 2,756 |
| Earnings coverage of net charge-offs (x) | 7.6848% | 3,049 |
| Efficiency ratio | 68.7474% | 3,443 |
| Assets per employee ($millions) | 3.1199% | 5,391 |
| Cash dividends to net income (ytd only)* | 34.7222% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 3,222 |
| Loan loss allowance to noncurrent loans | 66.3573% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5430% | 1,291 |
| Noncurrent loans to loans | 1.8730% | 1,146 |
| Net loans and leases to total assets | 68.2860% | 2,660 |
| Net loans and leases to deposits | 77.2786% | 3,133 |
| Net loans and leases to core deposits | 80.5601% | 3,287 |
| Total domestic deposits to total assets | 88.3634% | 1,440 |
| Equity capital to assets | 11.2730% | 2,566 |
| Core capital (leverage) ratio | 11.3938% | 2,049 |
| Tier 1 risk-based capital ratio | 16.9823% | 2,293 |
| Total risk-based capital ratio | 18.2329% | 2,242 |
| Memoranda: | ||
| Average total assets | $197,481,200 | 2,972 |
| Average earning assets | $181,364,800 | 2,989 |
| Average equity | $21,918,600 | 2,983 |
| Average total loans | $136,374,400 | 2,776 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 1,233 |
| Cost of funding earning assets | 0.2686% | 4,678 |
| Net interest margin | 4.3718% | 842 |
| Noninterest income to average assets | 0.8294% | 1,691 |
| Noninterest expense to average assets | 3.2910% | 1,713 |
| Loan and lease loss provision to assets | 0.1219% | 1,867 |
| Net operating income to assets | 1.0093% | 2,429 |
| Return on assets (ROA) | 1.0074% | 2,527 |
| Pretax return on assets | 1.4360% | 1,885 |
| Return on Equity (ROE) | 9.1128% | 2,517 |
| Retained earnings to average equity (ytd only) | 5.1321% | 2,815 |
| Net charge-offs to loans | 0.0706% | 2,556 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 32.0131% | 1,436 |
| Efficiency ratio | 67.8342% | 3,581 |
| Assets per employee ($millions) | 3.1208% | 5,403 |
| Cash dividends to net income (ytd only)* | 43.6831% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,929 |
| Loan loss allowance to noncurrent loans | 71.6596% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 1.5813% | 1,414 |
| Noncurrent loans to loans | 1.8631% | 1,251 |
| Net loans and leases to total assets | 69.9498% | 2,391 |
| Net loans and leases to deposits | 79.1513% | 2,970 |
| Net loans and leases to core deposits | 82.2397% | 3,225 |
| Total domestic deposits to total assets | 88.3748% | 1,360 |
| Equity capital to assets | 11.3225% | 2,680 |
| Core capital (leverage) ratio | 11.2840% | 2,209 |
| Tier 1 risk-based capital ratio | 16.4920% | 2,582 |
| Total risk-based capital ratio | 17.7440% | 2,542 |
| Memoranda: | ||
| Average total assets | $196,933,500 | 3,004 |
| Average earning assets | $181,188,500 | 3,008 |
| Average equity | $21,771,000 | 3,011 |
| Average total loans | $135,952,000 | 2,798 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 1,396 |
| Cost of funding earning assets | 0.2685% | 4,734 |
| Net interest margin | 4.2853% | 943 |
| Noninterest income to average assets | 0.7501% | 1,992 |
| Noninterest expense to average assets | 3.2572% | 1,826 |
| Loan and lease loss provision to assets | 0.1218% | 1,811 |
| Net operating income to assets | 0.9194% | 2,787 |
| Return on assets (ROA) | 0.9166% | 2,926 |
| Pretax return on assets | 1.3043% | 2,349 |
| Return on Equity (ROE) | 8.3581% | 2,872 |
| Retained earnings to average equity (ytd only) | 2.3418% | 4,562 |
| Net charge-offs to loans | 0.0074% | 3,640 |
| Credit loss provision to net charge-offs | 2,400.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 281.8000% | 243 |
| Efficiency ratio | 69.4890% | 3,418 |
| Assets per employee ($millions) | 3.0184% | 5,576 |
| Cash dividends to net income (ytd only)* | 71.9823% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3421% | 3,021 |
| Loan loss allowance to noncurrent loans | 97.1904% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.2839% | 1,962 |
| Noncurrent loans to loans | 1.3809% | 1,955 |
| Net loans and leases to total assets | 69.9901% | 2,315 |
| Net loans and leases to deposits | 78.7693% | 2,929 |
| Net loans and leases to core deposits | 81.9593% | 3,184 |
| Total domestic deposits to total assets | 88.8545% | 1,216 |
| Equity capital to assets | 11.0033% | 2,875 |
| Core capital (leverage) ratio | 10.8939% | 2,523 |
| Tier 1 risk-based capital ratio | 16.3170% | 2,706 |
| Total risk-based capital ratio | 17.5689% | 2,659 |
| Memoranda: | ||
| Average total assets | $197,042,000 | 3,022 |
| Average earning assets | $181,037,000 | 3,038 |
| Average equity | $21,607,670 | 3,041 |
| Average total loans | $134,806,670 | 2,832 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 1,712 |
| Cost of funding earning assets | 0.2690% | 4,800 |
| Net interest margin | 4.1476% | 1,167 |
| Noninterest income to average assets | 0.7677% | 1,834 |
| Noninterest expense to average assets | 3.2775% | 1,774 |
| Loan and lease loss provision to assets | 0.1215% | 1,707 |
| Net operating income to assets | 0.8301% | 3,113 |
| Return on assets (ROA) | 0.8244% | 3,265 |
| Pretax return on assets | 1.1708% | 2,778 |
| Return on Equity (ROE) | 7.5309% | 3,202 |
| Retained earnings to average equity (ytd only) | 7.5309% | 1,748 |
| Net charge-offs to loans | 0.0513% | 2,269 |
| Credit loss provision to net charge-offs | 352.9412% | 723 |
| Earnings coverage of net charge-offs (x) | 37.7647% | 1,011 |
| Efficiency ratio | 71.5929% | 3,237 |
| Assets per employee ($millions) | 3.1859% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 3,238 |
| Loan loss allowance to noncurrent loans | 88.5165% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 1.3109% | 2,028 |
| Noncurrent loans to loans | 1.5041% | 1,881 |
| Net loans and leases to total assets | 66.3144% | 2,722 |
| Net loans and leases to deposits | 74.5912% | 3,218 |
| Net loans and leases to core deposits | 77.3265% | 3,444 |
| Total domestic deposits to total assets | 88.9038% | 1,334 |
| Equity capital to assets | 10.9063% | 3,083 |
| Core capital (leverage) ratio | 10.9429% | 2,467 |
| Tier 1 risk-based capital ratio | 16.9145% | 2,513 |
| Total risk-based capital ratio | 18.1664% | 2,463 |
| Memoranda: | ||
| Average total assets | $197,465,500 | 3,039 |
| Average earning assets | $181,404,000 | 3,051 |
| Average equity | $21,617,500 | 3,057 |
| Average total loans | $132,617,500 | 2,869 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 1,949 |
| Cost of funding earning assets | 0.2812% | 4,991 |
| Net interest margin | 4.2001% | 1,299 |
| Noninterest income to average assets | 0.6950% | 2,324 |
| Noninterest expense to average assets | 3.3761% | 1,748 |
| Loan and lease loss provision to assets | 0.0675% | 3,140 |
| Net operating income to assets | 0.8395% | 3,180 |
| Return on assets (ROA) | 0.8395% | 3,268 |
| Pretax return on assets | 1.1801% | 2,732 |
| Return on Equity (ROE) | 7.6733% | 3,289 |
| Retained earnings to average equity (ytd only) | 4.7594% | 2,790 |
| Net charge-offs to loans | 0.1005% | 3,071 |
| Credit loss provision to net charge-offs | 100.7937% | 2,370 |
| Earnings coverage of net charge-offs (x) | 18.6349% | 1,829 |
| Efficiency ratio | 73.0177% | 3,026 |
| Assets per employee ($millions) | 3.1326% | 5,521 |
| Cash dividends to net income (ytd only)* | 37.9747% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 3,200 |
| Loan loss allowance to noncurrent loans | 96.4246% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.3510% | 2,072 |
| Noncurrent loans to loans | 1.3948% | 2,103 |
| Net loans and leases to total assets | 66.2062% | 2,851 |
| Net loans and leases to deposits | 74.4469% | 3,376 |
| Net loans and leases to core deposits | 77.5335% | 3,559 |
| Total domestic deposits to total assets | 88.9307% | 1,272 |
| Equity capital to assets | 10.9900% | 2,902 |
| Core capital (leverage) ratio | 10.9907% | 2,418 |
| Tier 1 risk-based capital ratio | 17.2215% | 2,415 |
| Total risk-based capital ratio | 18.4735% | 2,372 |
| Memoranda: | ||
| Average total assets | $188,207,800 | 3,124 |
| Average earning assets | $176,042,800 | 3,087 |
| Average equity | $20,590,800 | 3,094 |
| Average total loans | $125,415,200 | 2,952 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 2,033 |
| Cost of funding earning assets | 0.2810% | 5,085 |
| Net interest margin | 4.1744% | 1,366 |
| Noninterest income to average assets | 0.6970% | 2,343 |
| Noninterest expense to average assets | 3.3585% | 1,771 |
| Loan and lease loss provision to assets | 0.0193% | 4,018 |
| Net operating income to assets | 0.8741% | 3,053 |
| Return on assets (ROA) | 0.8741% | 3,147 |
| Pretax return on assets | 1.2440% | 2,596 |
| Return on Equity (ROE) | 7.9989% | 3,204 |
| Retained earnings to average equity (ytd only) | 4.0779% | 3,745 |
| Net charge-offs to loans | 0.0451% | 3,591 |
| Credit loss provision to net charge-offs | 64.2857% | 2,868 |
| Earnings coverage of net charge-offs (x) | 42.1180% | 1,092 |
| Efficiency ratio | 72.6669% | 3,066 |
| Assets per employee ($millions) | 3.0777% | 5,634 |
| Cash dividends to net income (ytd only)* | 49.0196% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 3,358 |
| Loan loss allowance to noncurrent loans | 86.1607% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4861% | 2,069 |
| Noncurrent loans to loans | 1.5771% | 2,065 |
| Net loans and leases to total assets | 67.1626% | 2,662 |
| Net loans and leases to deposits | 75.7014% | 3,214 |
| Net loans and leases to core deposits | 78.9720% | 3,442 |
| Total domestic deposits to total assets | 88.7204% | 1,390 |
| Equity capital to assets | 11.1401% | 2,830 |
| Core capital (leverage) ratio | 11.1858% | 2,322 |
| Tier 1 risk-based capital ratio | 17.6906% | 2,321 |
| Total risk-based capital ratio | 18.9437% | 2,280 |
| Memoranda: | ||
| Average total assets | $186,704,250 | 3,171 |
| Average earning assets | $175,540,500 | 3,120 |
| Average equity | $20,402,250 | 3,125 |
| Average total loans | $124,184,000 | 2,989 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3953% | 2,192 |
| Cost of funding earning assets | 0.2801% | 5,180 |
| Net interest margin | 4.1151% | 1,462 |
| Noninterest income to average assets | 0.6858% | 2,353 |
| Noninterest expense to average assets | 3.3473% | 1,807 |
| Loan and lease loss provision to assets | 0.0290% | 3,692 |
| Net operating income to assets | 0.8693% | 2,960 |
| Return on assets (ROA) | 0.8693% | 3,052 |
| Pretax return on assets | 1.1880% | 2,715 |
| Return on Equity (ROE) | 8.0072% | 3,091 |
| Retained earnings to average equity (ytd only) | 2.0760% | 4,860 |
| Net charge-offs to loans | 0.0423% | 3,377 |
| Credit loss provision to net charge-offs | 103.8462% | 1,922 |
| Earnings coverage of net charge-offs (x) | 43.6154% | 991 |
| Efficiency ratio | 73.3365% | 3,100 |
| Assets per employee ($millions) | 2.8781% | 5,915 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 3,282 |
| Loan loss allowance to noncurrent loans | 96.0022% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2981% | 2,518 |
| Noncurrent loans to loans | 1.4724% | 2,348 |
| Net loans and leases to total assets | 66.3771% | 2,699 |
| Net loans and leases to deposits | 74.7819% | 3,226 |
| Net loans and leases to core deposits | 78.1974% | 3,419 |
| Total domestic deposits to total assets | 88.7609% | 1,499 |
| Equity capital to assets | 11.1300% | 2,757 |
| Core capital (leverage) ratio | 11.0037% | 2,427 |
| Tier 1 risk-based capital ratio | 18.1063% | 2,204 |
| Total risk-based capital ratio | 19.3600% | 2,168 |
| Memoranda: | ||
| Average total assets | $186,360,000 | 3,191 |
| Average earning assets | $175,643,670 | 3,135 |
| Average equity | $20,231,670 | 3,147 |
| Average total loans | $122,970,000 | 3,014 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 2,617 |
| Cost of funding earning assets | 0.2807% | 5,277 |
| Net interest margin | 3.9933% | 1,791 |
| Noninterest income to average assets | 0.7746% | 1,856 |
| Noninterest expense to average assets | 3.3610% | 1,804 |
| Loan and lease loss provision to assets | 0.0576% | 2,964 |
| Net operating income to assets | 0.8237% | 3,039 |
| Return on assets (ROA) | 0.8237% | 3,112 |
| Pretax return on assets | 1.1203% | 2,815 |
| Return on Equity (ROE) | 7.6827% | 3,100 |
| Retained earnings to average equity (ytd only) | 2.7069% | 4,461 |
| Net charge-offs to loans | -0.0457% | 5,768 |
| Credit loss provision to net charge-offs | -192.8571% | 4,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0480% | 3,133 |
| Assets per employee ($millions) | 3.0214% | 5,826 |
| Cash dividends to net income (ytd only)* | 64.7668% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 3,342 |
| Loan loss allowance to noncurrent loans | 105.0381% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.1936% | 2,872 |
| Noncurrent loans to loans | 1.3873% | 2,707 |
| Net loans and leases to total assets | 63.6998% | 2,953 |
| Net loans and leases to deposits | 71.3738% | 3,419 |
| Net loans and leases to core deposits | 75.3375% | 3,484 |
| Total domestic deposits to total assets | 89.2482% | 1,508 |
| Equity capital to assets | 10.6541% | 3,090 |
| Core capital (leverage) ratio | 10.8033% | 2,595 |
| Tier 1 risk-based capital ratio | 18.2130% | 2,200 |
| Total risk-based capital ratio | 19.4670% | 2,167 |
| Memoranda: | ||
| Average total assets | $187,442,000 | 3,199 |
| Average earning assets | $176,694,000 | 3,142 |
| Average equity | $20,097,000 | 3,169 |
| Average total loans | $122,446,500 | 3,020 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 2,364 |
| Cost of funding earning assets | 0.2992% | 5,604 |
| Net interest margin | 4.1584% | 1,476 |
| Noninterest income to average assets | 0.6840% | 2,629 |
| Noninterest expense to average assets | 3.4212% | 1,838 |
| Loan and lease loss provision to assets | 0.2127% | 1,729 |
| Net operating income to assets | 0.6856% | 3,870 |
| Return on assets (ROA) | 0.6868% | 3,957 |
| Pretax return on assets | 0.9548% | 3,537 |
| Return on Equity (ROE) | 6.2344% | 3,953 |
| Retained earnings to average equity (ytd only) | 3.9719% | 3,368 |
| Net charge-offs to loans | 0.1450% | 3,351 |
| Credit loss provision to net charge-offs | 220.6897% | 1,037 |
| Earnings coverage of net charge-offs (x) | 12.0977% | 2,165 |
| Efficiency ratio | 74.5834% | 3,033 |
| Assets per employee ($millions) | 2.9291% | 5,943 |
| Cash dividends to net income (ytd only)* | 36.2903% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 3,477 |
| Loan loss allowance to noncurrent loans | 118.0593% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.2052% | 2,985 |
| Noncurrent loans to loans | 1.2179% | 3,110 |
| Net loans and leases to total assets | 65.0803% | 2,849 |
| Net loans and leases to deposits | 72.9991% | 3,400 |
| Net loans and leases to core deposits | 76.9402% | 3,501 |
| Total domestic deposits to total assets | 89.1522% | 1,517 |
| Equity capital to assets | 10.7914% | 2,825 |
| Core capital (leverage) ratio | 11.2245% | 2,176 |
| Tier 1 risk-based capital ratio | 18.2753% | 2,160 |
| Total risk-based capital ratio | 19.5295% | 2,117 |
| Memoranda: | ||
| Average total assets | $180,552,000 | 3,269 |
| Average earning assets | $169,463,000 | 3,225 |
| Average equity | $19,889,800 | 3,159 |
| Average total loans | $120,035,800 | 3,038 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 2,527 |
| Cost of funding earning assets | 0.3023% | 5,713 |
| Net interest margin | 4.1173% | 1,583 |
| Noninterest income to average assets | 0.6289% | 3,000 |
| Noninterest expense to average assets | 3.3927% | 1,846 |
| Loan and lease loss provision to assets | 0.2851% | 1,212 |
| Net operating income to assets | 0.5896% | 4,398 |
| Return on assets (ROA) | 0.5896% | 4,524 |
| Pretax return on assets | 0.8138% | 4,246 |
| Return on Equity (ROE) | 5.3241% | 4,550 |
| Retained earnings to average equity (ytd only) | 2.3067% | 4,946 |
| Net charge-offs to loans | 0.0558% | 4,112 |
| Credit loss provision to net charge-offs | 768.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 29.5977% | 1,245 |
| Efficiency ratio | 75.5331% | 2,800 |
| Assets per employee ($millions) | 2.7861% | 6,177 |
| Cash dividends to net income (ytd only)* | 56.6755% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 3,203 |
| Loan loss allowance to noncurrent loans | 109.0064% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.3981% | 2,862 |
| Noncurrent loans to loans | 1.4276% | 3,022 |
| Net loans and leases to total assets | 66.5526% | 2,553 |
| Net loans and leases to deposits | 74.9116% | 3,100 |
| Net loans and leases to core deposits | 79.1147% | 3,216 |
| Total domestic deposits to total assets | 88.8415% | 1,645 |
| Equity capital to assets | 11.0317% | 2,730 |
| Core capital (leverage) ratio | 11.0452% | 2,435 |
| Tier 1 risk-based capital ratio | 18.0470% | 2,307 |
| Total risk-based capital ratio | 19.3024% | 2,268 |
| Memoranda: | ||
| Average total assets | $179,556,250 | 3,303 |
| Average earning assets | $168,456,000 | 3,262 |
| Average equity | $19,883,750 | 3,200 |
| Average total loans | $119,582,750 | 3,067 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 2,670 |
| Cost of funding earning assets | 0.3008% | 5,825 |
| Net interest margin | 4.0722% | 1,626 |
| Noninterest income to average assets | 0.7079% | 2,598 |
| Noninterest expense to average assets | 3.3683% | 1,891 |
| Loan and lease loss provision to assets | 0.3434% | 978 |
| Net operating income to assets | 0.5968% | 4,302 |
| Return on assets (ROA) | 0.5968% | 4,485 |
| Pretax return on assets | 0.8179% | 4,244 |
| Return on Equity (ROE) | 5.3822% | 4,526 |
| Retained earnings to average equity (ytd only) | 0.8720% | 5,550 |
| Net charge-offs to loans | 0.0872% | 3,495 |
| Credit loss provision to net charge-offs | 594.2308% | 489 |
| Earnings coverage of net charge-offs (x) | 20.0962% | 1,479 |
| Efficiency ratio | 74.3621% | 3,059 |
| Assets per employee ($millions) | 2.8858% | 6,041 |
| Cash dividends to net income (ytd only)* | 83.7989% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,641 |
| Loan loss allowance to noncurrent loans | 80.7813% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.6671% | 2,610 |
| Noncurrent loans to loans | 1.8409% | 2,578 |
| Net loans and leases to total assets | 64.5260% | 2,834 |
| Net loans and leases to deposits | 72.2988% | 3,412 |
| Net loans and leases to core deposits | 76.4753% | 3,488 |
| Total domestic deposits to total assets | 89.2490% | 1,481 |
| Equity capital to assets | 10.6416% | 3,129 |
| Core capital (leverage) ratio | 10.7076% | 2,660 |
| Tier 1 risk-based capital ratio | 17.7045% | 2,435 |
| Total risk-based capital ratio | 18.9594% | 2,398 |
| Memoranda: | ||
| Average total assets | $179,970,670 | 3,310 |
| Average earning assets | $168,902,670 | 3,270 |
| Average equity | $19,954,670 | 3,212 |
| Average total loans | $119,261,000 | 3,086 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 2,580 |
| Cost of funding earning assets | 0.3025% | 5,949 |
| Net interest margin | 4.0820% | 1,513 |
| Noninterest income to average assets | 0.7680% | 2,259 |
| Noninterest expense to average assets | 3.4660% | 1,693 |
| Loan and lease loss provision to assets | 0.3491% | 940 |
| Net operating income to assets | 0.5698% | 4,362 |
| Return on assets (ROA) | 0.5698% | 4,513 |
| Pretax return on assets | 0.7815% | 4,244 |
| Return on Equity (ROE) | 5.0336% | 4,551 |
| Retained earnings to average equity (ytd only) | 5.0336% | 3,210 |
| Net charge-offs to loans | -0.0642% | 6,241 |
| Credit loss provision to net charge-offs | -815.7895% | 5,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4042% | 3,022 |
| Assets per employee ($millions) | 2.8533% | 6,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 4,050 |
| Loan loss allowance to noncurrent loans | 68.0143% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.8668% | 2,520 |
| Noncurrent loans to loans | 2.1178% | 2,476 |
| Net loans and leases to total assets | 64.2992% | 2,648 |
| Net loans and leases to deposits | 72.3811% | 3,133 |
| Net loans and leases to core deposits | 76.2078% | 3,292 |
| Total domestic deposits to total assets | 88.8342% | 1,776 |
| Equity capital to assets | 11.0633% | 2,886 |
| Core capital (leverage) ratio | 11.2362% | 2,069 |
| Tier 1 risk-based capital ratio | 18.2167% | 2,283 |
| Total risk-based capital ratio | 19.4703% | 2,248 |
| Memoranda: | ||
| Average total assets | $177,611,000 | 3,379 |
| Average earning assets | $166,587,000 | 3,332 |
| Average equity | $20,105,000 | 3,236 |
| Average total loans | $118,405,500 | 3,117 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 3,583 |
| Cost of funding earning assets | 0.4078% | 5,862 |
| Net interest margin | 4.0489% | 2,204 |
| Noninterest income to average assets | 0.6166% | 3,191 |
| Noninterest expense to average assets | 3.3087% | 2,310 |
| Loan and lease loss provision to assets | 0.4709% | 1,318 |
| Net operating income to assets | 0.4750% | 4,782 |
| Return on assets (ROA) | 0.5247% | 4,850 |
| Pretax return on assets | 0.6925% | 4,689 |
| Return on Equity (ROE) | 4.8760% | 4,737 |
| Retained earnings to average equity (ytd only) | 2.8165% | 4,257 |
| Net charge-offs to loans | 0.6211% | 1,888 |
| Credit loss provision to net charge-offs | 117.7285% | 2,441 |
| Earnings coverage of net charge-offs (x) | 2.7452% | 4,054 |
| Efficiency ratio | 75.0817% | 2,896 |
| Assets per employee ($millions) | 2.7398% | 6,379 |
| Cash dividends to net income (ytd only)* | 42.2386% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 4,585 |
| Loan loss allowance to noncurrent loans | 59.3991% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 1.7832% | 2,734 |
| Noncurrent loans to loans | 2.2060% | 2,454 |
| Net loans and leases to total assets | 67.2817% | 2,323 |
| Net loans and leases to deposits | 76.1626% | 2,775 |
| Net loans and leases to core deposits | 80.6073% | 2,927 |
| Total domestic deposits to total assets | 88.3396% | 2,003 |
| Equity capital to assets | 11.5909% | 2,358 |
| Core capital (leverage) ratio | 11.3727% | 1,960 |
| Tier 1 risk-based capital ratio | 18.1307% | 2,212 |
| Total risk-based capital ratio | 19.3826% | 2,182 |
| Memoranda: | ||
| Average total assets | $180,493,600 | 3,306 |
| Average earning assets | $168,960,400 | 3,245 |
| Average equity | $19,421,600 | 3,271 |
| Average total loans | $116,245,400 | 3,158 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4105% | 4,002 |
| Cost of funding earning assets | 0.4330% | 5,917 |
| Net interest margin | 3.9775% | 2,590 |
| Noninterest income to average assets | 0.5795% | 3,409 |
| Noninterest expense to average assets | 3.2963% | 2,284 |
| Loan and lease loss provision to assets | 0.5553% | 1,035 |
| Net operating income to assets | 0.3415% | 5,466 |
| Return on assets (ROA) | 0.4070% | 5,448 |
| Pretax return on assets | 0.5327% | 5,372 |
| Return on Equity (ROE) | 3.8529% | 5,351 |
| Retained earnings to average equity (ytd only) | 1.0860% | 5,735 |
| Net charge-offs to loans | 0.3279% | 2,819 |
| Credit loss provision to net charge-offs | 266.6667% | 1,027 |
| Earnings coverage of net charge-offs (x) | 4.8105% | 3,195 |
| Efficiency ratio | 76.6916% | 2,566 |
| Assets per employee ($millions) | 2.8200% | 6,337 |
| Cash dividends to net income (ytd only)* | 71.8131% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 3,443 |
| Loan loss allowance to noncurrent loans | 57.1558% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.1851% | 2,451 |
| Noncurrent loans to loans | 2.8366% | 1,982 |
| Net loans and leases to total assets | 64.5176% | 2,926 |
| Net loans and leases to deposits | 72.6196% | 3,510 |
| Net loans and leases to core deposits | 76.7010% | 3,644 |
| Total domestic deposits to total assets | 88.8433% | 1,516 |
| Equity capital to assets | 10.9681% | 3,310 |
| Core capital (leverage) ratio | 10.6999% | 2,700 |
| Tier 1 risk-based capital ratio | 17.8543% | 2,407 |
| Total risk-based capital ratio | 19.1105% | 2,371 |
| Memoranda: | ||
| Average total assets | $182,464,500 | 3,303 |
| Average earning assets | $170,588,000 | 3,254 |
| Average equity | $19,275,250 | 3,324 |
| Average total loans | $115,887,500 | 3,205 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 4,305 |
| Cost of funding earning assets | 0.4526% | 5,956 |
| Net interest margin | 3.9177% | 2,832 |
| Noninterest income to average assets | 0.5139% | 3,830 |
| Noninterest expense to average assets | 3.2803% | 2,361 |
| Loan and lease loss provision to assets | 0.6193% | 939 |
| Net operating income to assets | 0.1976% | 5,924 |
| Return on assets (ROA) | 0.2912% | 5,856 |
| Pretax return on assets | 0.4009% | 5,708 |
| Return on Equity (ROE) | 2.7909% | 5,768 |
| Retained earnings to average equity (ytd only) | -1.3746% | 6,266 |
| Net charge-offs to loans | 0.3648% | 2,553 |
| Credit loss provision to net charge-offs | 270.1422% | 1,073 |
| Earnings coverage of net charge-offs (x) | 3.8910% | 3,241 |
| Efficiency ratio | 78.6198% | 2,383 |
| Assets per employee ($millions) | 2.9500% | 6,152 |
| Cash dividends to net income (ytd only)* | 149.2537% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,880 |
| Loan loss allowance to noncurrent loans | 56.5190% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.1083% | 2,654 |
| Noncurrent loans to loans | 2.7055% | 2,224 |
| Net loans and leases to total assets | 62.4254% | 3,351 |
| Net loans and leases to deposits | 69.8358% | 3,916 |
| Net loans and leases to core deposits | 74.2130% | 4,001 |
| Total domestic deposits to total assets | 89.3887% | 1,283 |
| Equity capital to assets | 10.5052% | 3,686 |
| Core capital (leverage) ratio | 10.2222% | 3,114 |
| Tier 1 risk-based capital ratio | 17.5533% | 2,455 |
| Total risk-based capital ratio | 18.8080% | 2,420 |
| Memoranda: | ||
| Average total assets | $184,066,000 | 3,295 |
| Average earning assets | $171,887,000 | 3,246 |
| Average equity | $19,205,000 | 3,326 |
| Average total loans | $115,679,670 | 3,225 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 4,458 |
| Cost of funding earning assets | 0.4724% | 6,001 |
| Net interest margin | 3.8923% | 2,959 |
| Noninterest income to average assets | 0.4116% | 4,580 |
| Noninterest expense to average assets | 3.2061% | 2,575 |
| Loan and lease loss provision to assets | 0.6174% | 911 |
| Net operating income to assets | 0.2253% | 5,904 |
| Return on assets (ROA) | 0.2253% | 6,050 |
| Pretax return on assets | 0.2296% | 6,133 |
| Return on Equity (ROE) | 2.1666% | 6,016 |
| Retained earnings to average equity (ytd only) | -1.9999% | 6,278 |
| Net charge-offs to loans | 0.4016% | 2,098 |
| Credit loss provision to net charge-offs | 245.6897% | 1,163 |
| Earnings coverage of net charge-offs (x) | 3.3707% | 2,864 |
| Efficiency ratio | 79.1021% | 2,331 |
| Assets per employee ($millions) | 3.0771% | 6,005 |
| Cash dividends to net income (ytd only)* | 192.3077% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 4,711 |
| Loan loss allowance to noncurrent loans | 47.5661% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 2.1811% | 2,708 |
| Noncurrent loans to loans | 2.8896% | 2,230 |
| Net loans and leases to total assets | 59.5396% | 3,768 |
| Net loans and leases to deposits | 66.2211% | 4,341 |
| Net loans and leases to core deposits | 70.2915% | 4,372 |
| Total domestic deposits to total assets | 89.9103% | 1,136 |
| Equity capital to assets | 10.0409% | 4,076 |
| Core capital (leverage) ratio | 10.2884% | 3,008 |
| Tier 1 risk-based capital ratio | 17.6373% | 2,431 |
| Total risk-based capital ratio | 18.8900% | 2,402 |
| Memoranda: | ||
| Average total assets | $184,649,000 | 3,306 |
| Average earning assets | $172,751,000 | 3,249 |
| Average equity | $19,200,500 | 3,326 |
| Average total loans | $115,545,000 | 3,245 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 4,468 |
| Cost of funding earning assets | 0.7926% | 4,918 |
| Net interest margin | 3.8538% | 3,552 |
| Noninterest income to average assets | 0.6689% | 2,788 |
| Noninterest expense to average assets | 3.1844% | 2,919 |
| Loan and lease loss provision to assets | 0.5664% | 1,836 |
| Net operating income to assets | 0.4268% | 4,749 |
| Return on assets (ROA) | 0.4741% | 4,734 |
| Pretax return on assets | 0.5760% | 4,762 |
| Return on Equity (ROE) | 4.8025% | 4,479 |
| Retained earnings to average equity (ytd only) | 3.9751% | 3,367 |
| Net charge-offs to loans | 0.9925% | 1,751 |
| Credit loss provision to net charge-offs | 89.6872% | 4,012 |
| Earnings coverage of net charge-offs (x) | 1.7177% | 4,489 |
| Efficiency ratio | 74.5905% | 3,128 |
| Assets per employee ($millions) | 2.7894% | 6,472 |
| Cash dividends to net income (ytd only)* | 17.2297% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 5,295 |
| Loan loss allowance to noncurrent loans | 39.7191% | 5,618 |
| Noncurrent assets plus other real estate owned to assets | 2.5633% | 2,366 |
| Noncurrent loans to loans | 3.0711% | 2,109 |
| Net loans and leases to total assets | 64.1411% | 3,162 |
| Net loans and leases to deposits | 71.9468% | 3,804 |
| Net loans and leases to core deposits | 76.6005% | 3,890 |
| Total domestic deposits to total assets | 89.1507% | 1,449 |
| Equity capital to assets | 10.7804% | 3,215 |
| Core capital (leverage) ratio | 10.7058% | 2,518 |
| Tier 1 risk-based capital ratio | 17.6191% | 2,338 |
| Total risk-based capital ratio | 18.8698% | 2,305 |
| Memoranda: | ||
| Average total assets | $187,317,600 | 3,229 |
| Average earning assets | $174,996,800 | 3,159 |
| Average equity | $18,490,200 | 3,364 |
| Average total loans | $119,189,400 | 3,190 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7054% | 4,434 |
| Cost of funding earning assets | 0.8761% | 4,580 |
| Net interest margin | 3.8293% | 3,725 |
| Noninterest income to average assets | 0.6494% | 2,885 |
| Noninterest expense to average assets | 3.1518% | 2,988 |
| Loan and lease loss provision to assets | 0.5459% | 1,802 |
| Net operating income to assets | 0.4126% | 4,941 |
| Return on assets (ROA) | 0.4263% | 5,069 |
| Pretax return on assets | 0.5452% | 4,992 |
| Return on Equity (ROE) | 4.4148% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.3002% | 4,371 |
| Net charge-offs to loans | 0.8833% | 1,808 |
| Credit loss provision to net charge-offs | 97.6101% | 3,509 |
| Earnings coverage of net charge-offs (x) | 1.9195% | 4,217 |
| Efficiency ratio | 74.5921% | 3,067 |
| Assets per employee ($millions) | 2.8141% | 6,464 |
| Cash dividends to net income (ytd only)* | 25.2469% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 5,103 |
| Loan loss allowance to noncurrent loans | 67.3026% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.9083% | 3,256 |
| Noncurrent loans to loans | 1.9012% | 3,502 |
| Net loans and leases to total assets | 64.9830% | 3,106 |
| Net loans and leases to deposits | 72.8000% | 3,833 |
| Net loans and leases to core deposits | 77.2307% | 4,013 |
| Total domestic deposits to total assets | 89.2623% | 1,276 |
| Equity capital to assets | 10.5944% | 3,581 |
| Core capital (leverage) ratio | 10.0938% | 3,315 |
| Tier 1 risk-based capital ratio | 17.0038% | 2,644 |
| Total risk-based capital ratio | 18.2554% | 2,602 |
| Memoranda: | ||
| Average total assets | $189,517,250 | 3,208 |
| Average earning assets | $176,983,500 | 3,148 |
| Average equity | $18,301,500 | 3,392 |
| Average total loans | $120,007,250 | 3,195 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 4,562 |
| Cost of funding earning assets | 0.9321% | 4,443 |
| Net interest margin | 3.7595% | 3,989 |
| Noninterest income to average assets | 0.6291% | 2,955 |
| Noninterest expense to average assets | 3.0895% | 3,292 |
| Loan and lease loss provision to assets | 0.5419% | 1,794 |
| Net operating income to assets | 0.4061% | 4,916 |
| Return on assets (ROA) | 0.4069% | 5,070 |
| Pretax return on assets | 0.5118% | 5,024 |
| Return on Equity (ROE) | 4.3455% | 4,766 |
| Retained earnings to average equity (ytd only) | 2.6494% | 4,606 |
| Net charge-offs to loans | 0.6473% | 2,228 |
| Credit loss provision to net charge-offs | 133.8462% | 2,283 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 3,527 |
| Efficiency ratio | 74.5865% | 3,256 |
| Assets per employee ($millions) | 3.0207% | 6,040 |
| Cash dividends to net income (ytd only)* | 39.0306% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 4,631 |
| Loan loss allowance to noncurrent loans | 30.7352% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 3.4327% | 1,922 |
| Noncurrent loans to loans | 4.5164% | 1,466 |
| Net loans and leases to total assets | 60.3491% | 4,207 |
| Net loans and leases to deposits | 66.7709% | 4,888 |
| Net loans and leases to core deposits | 71.1166% | 4,934 |
| Total domestic deposits to total assets | 90.3823% | 770 |
| Equity capital to assets | 9.4777% | 4,843 |
| Core capital (leverage) ratio | 9.6481% | 3,737 |
| Tier 1 risk-based capital ratio | 16.4162% | 2,784 |
| Total risk-based capital ratio | 17.6687% | 2,741 |
| Memoranda: | ||
| Average total assets | $192,655,000 | 3,189 |
| Average earning assets | $180,021,670 | 3,135 |
| Average equity | $18,041,670 | 3,409 |
| Average total loans | $120,491,670 | 3,215 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 5,047 |
| Cost of funding earning assets | 1.0048% | 4,169 |
| Net interest margin | 3.5712% | 4,710 |
| Noninterest income to average assets | 0.6121% | 3,080 |
| Noninterest expense to average assets | 3.2011% | 2,890 |
| Loan and lease loss provision to assets | 0.3941% | 2,222 |
| Net operating income to assets | 0.2746% | 5,523 |
| Return on assets (ROA) | 0.2746% | 5,582 |
| Pretax return on assets | 0.3773% | 5,405 |
| Return on Equity (ROE) | 2.9508% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.9508% | 4,397 |
| Net charge-offs to loans | 0.6000% | 1,993 |
| Credit loss provision to net charge-offs | 103.8674% | 2,557 |
| Earnings coverage of net charge-offs (x) | 2.0331% | 3,283 |
| Efficiency ratio | 80.5805% | 2,427 |
| Assets per employee ($millions) | 3.0600% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 5,231 |
| Loan loss allowance to noncurrent loans | 28.3744% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 3.4238% | 1,988 |
| Noncurrent loans to loans | 4.5109% | 1,549 |
| Net loans and leases to total assets | 60.7694% | 4,121 |
| Net loans and leases to deposits | 66.9583% | 4,830 |
| Net loans and leases to core deposits | 71.3530% | 4,877 |
| Total domestic deposits to total assets | 90.7571% | 735 |
| Equity capital to assets | 9.1321% | 4,983 |
| Core capital (leverage) ratio | 9.4591% | 3,873 |
| Tier 1 risk-based capital ratio | 16.1936% | 2,815 |
| Total risk-based capital ratio | 17.4453% | 2,778 |
| Memoranda: | ||
| Average total assets | $190,809,500 | 3,239 |
| Average earning assets | $179,545,000 | 3,152 |
| Average equity | $17,758,000 | 3,438 |
| Average total loans | $120,657,000 | 3,243 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6374% | 5,996 |
| Cost of funding earning assets | 1.2941% | 3,919 |
| Net interest margin | 3.3433% | 5,820 |
| Noninterest income to average assets | 0.7780% | 2,390 |
| Noninterest expense to average assets | 3.1484% | 3,279 |
| Loan and lease loss provision to assets | 0.9872% | 1,643 |
| Net operating income to assets | -0.0689% | 5,951 |
| Return on assets (ROA) | 0.1657% | 5,548 |
| Pretax return on assets | 0.0667% | 5,765 |
| Return on Equity (ROE) | 1.7082% | 5,494 |
| Retained earnings to average equity (ytd only) | 1.7082% | 4,663 |
| Net charge-offs to loans | 1.5990% | 1,360 |
| Credit loss provision to net charge-offs | 93.8619% | 4,952 |
| Earnings coverage of net charge-offs (x) | 0.7790% | 5,347 |
| Efficiency ratio | 79.3492% | 2,503 |
| Assets per employee ($millions) | 2.9028% | 6,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 5,153 |
| Loan loss allowance to noncurrent loans | 25.8325% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 3.6720% | 1,877 |
| Noncurrent loans to loans | 4.9237% | 1,378 |
| Net loans and leases to total assets | 64.1752% | 3,836 |
| Net loans and leases to deposits | 70.9894% | 4,683 |
| Net loans and leases to core deposits | 76.0739% | 4,700 |
| Total domestic deposits to total assets | 90.4011% | 886 |
| Equity capital to assets | 9.4907% | 4,414 |
| Core capital (leverage) ratio | 9.4383% | 3,790 |
| Tier 1 risk-based capital ratio | 15.7744% | 2,854 |
| Total risk-based capital ratio | 17.0257% | 2,819 |
| Memoranda: | ||
| Average total assets | $185,870,600 | 3,281 |
| Average earning assets | $177,339,000 | 3,154 |
| Average equity | $18,030,600 | 3,420 |
| Average total loans | $122,260,200 | 3,273 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6691% | 6,128 |
| Cost of funding earning assets | 1.3235% | 4,083 |
| Net interest margin | 3.3456% | 5,862 |
| Noninterest income to average assets | 0.8184% | 2,137 |
| Noninterest expense to average assets | 3.0992% | 3,344 |
| Loan and lease loss provision to assets | 0.8679% | 1,751 |
| Net operating income to assets | 0.0310% | 5,929 |
| Return on assets (ROA) | 0.2080% | 5,649 |
| Pretax return on assets | 0.2783% | 5,557 |
| Return on Equity (ROE) | 2.1327% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.1327% | 4,901 |
| Net charge-offs to loans | 1.1220% | 1,816 |
| Credit loss provision to net charge-offs | 117.2481% | 3,539 |
| Earnings coverage of net charge-offs (x) | 1.2296% | 4,831 |
| Efficiency ratio | 77.2987% | 2,723 |
| Assets per employee ($millions) | 2.9698% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 4,018 |
| Loan loss allowance to noncurrent loans | 71.7247% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.7431% | 3,829 |
| Noncurrent loans to loans | 2.0754% | 3,594 |
| Net loans and leases to total assets | 63.8569% | 4,152 |
| Net loans and leases to deposits | 70.8525% | 5,027 |
| Net loans and leases to core deposits | 75.3667% | 5,138 |
| Total domestic deposits to total assets | 90.1265% | 818 |
| Equity capital to assets | 9.6767% | 4,573 |
| Core capital (leverage) ratio | 9.7227% | 3,590 |
| Tier 1 risk-based capital ratio | 15.4545% | 3,024 |
| Total risk-based capital ratio | 16.7071% | 2,994 |
| Memoranda: | ||
| Average total assets | $185,892,750 | 3,331 |
| Average earning assets | $177,303,250 | 3,197 |
| Average equity | $18,130,250 | 3,449 |
| Average total loans | $122,634,750 | 3,317 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 6,096 |
| Cost of funding earning assets | 1.3392% | 4,260 |
| Net interest margin | 3.3753% | 5,736 |
| Noninterest income to average assets | 0.8000% | 2,113 |
| Noninterest expense to average assets | 3.0417% | 3,550 |
| Loan and lease loss provision to assets | 0.7534% | 1,918 |
| Net operating income to assets | 0.1930% | 5,586 |
| Return on assets (ROA) | 0.1930% | 5,709 |
| Pretax return on assets | 0.2179% | 5,731 |
| Return on Equity (ROE) | 1.9731% | 5,641 |
| Retained earnings to average equity (ytd only) | 1.9731% | 4,878 |
| Net charge-offs to loans | 0.9474% | 1,942 |
| Credit loss provision to net charge-offs | 119.8276% | 3,397 |
| Earnings coverage of net charge-offs (x) | 1.5448% | 4,334 |
| Efficiency ratio | 75.7969% | 3,107 |
| Assets per employee ($millions) | 2.8748% | 6,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 4,214 |
| Loan loss allowance to noncurrent loans | 69.2609% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.8575% | 3,681 |
| Noncurrent loans to loans | 2.0838% | 3,617 |
| Net loans and leases to total assets | 64.7192% | 4,103 |
| Net loans and leases to deposits | 71.8957% | 5,009 |
| Net loans and leases to core deposits | 76.5659% | 5,130 |
| Total domestic deposits to total assets | 90.0182% | 913 |
| Equity capital to assets | 9.8544% | 4,195 |
| Core capital (leverage) ratio | 9.6977% | 3,541 |
| Tier 1 risk-based capital ratio | 15.2262% | 3,049 |
| Total risk-based capital ratio | 16.4789% | 3,004 |
| Memoranda: | ||
| Average total assets | $184,502,330 | 3,377 |
| Average earning assets | $175,626,330 | 3,247 |
| Average equity | $18,043,000 | 3,459 |
| Average total loans | $122,445,330 | 3,355 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7509% | 6,069 |
| Cost of funding earning assets | 1.3168% | 4,716 |
| Net interest margin | 3.4341% | 5,453 |
| Noninterest income to average assets | 0.7790% | 2,125 |
| Noninterest expense to average assets | 3.0787% | 3,352 |
| Loan and lease loss provision to assets | 0.7069% | 1,801 |
| Net operating income to assets | 0.1986% | 5,695 |
| Return on assets (ROA) | 0.1986% | 5,813 |
| Pretax return on assets | 0.2597% | 5,717 |
| Return on Equity (ROE) | 2.0384% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.0384% | 4,906 |
| Net charge-offs to loans | 1.7823% | 974 |
| Credit loss provision to net charge-offs | 59.4495% | 4,312 |
| Earnings coverage of net charge-offs (x) | 0.8128% | 4,318 |
| Efficiency ratio | 76.1057% | 3,196 |
| Assets per employee ($millions) | 2.8790% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 5,584 |
| Loan loss allowance to noncurrent loans | 58.0972% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.9226% | 3,601 |
| Noncurrent loans to loans | 2.0365% | 3,732 |
| Net loans and leases to total assets | 64.0431% | 4,318 |
| Net loans and leases to deposits | 70.9430% | 5,211 |
| Net loans and leases to core deposits | 75.7010% | 5,298 |
| Total domestic deposits to total assets | 90.2740% | 843 |
| Equity capital to assets | 9.5977% | 4,380 |
| Core capital (leverage) ratio | 9.9728% | 3,198 |
| Tier 1 risk-based capital ratio | 15.3554% | 2,942 |
| Total risk-based capital ratio | 16.5779% | 2,906 |
| Memoranda: | ||
| Average total assets | $183,323,000 | 3,455 |
| Average earning assets | $174,368,000 | 3,333 |
| Average equity | $17,857,500 | 3,509 |
| Average total loans | $122,315,000 | 3,425 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2654% | 5,345 |
| Cost of funding earning assets | 1.5506% | 5,275 |
| Net interest margin | 3.7148% | 4,070 |
| Noninterest income to average assets | 0.9132% | 1,895 |
| Noninterest expense to average assets | 4.3726% | 903 |
| Loan and lease loss provision to assets | 0.5238% | 3,753 |
| Net operating income to assets | -0.4898% | 6,166 |
| Return on assets (ROA) | -0.2070% | 5,842 |
| Pretax return on assets | -0.2029% | 5,708 |
| Return on Equity (ROE) | -1.9067% | 5,844 |
| Retained earnings to average equity (ytd only) | -6.2280% | 6,172 |
| Net charge-offs to loans | 0.7412% | 2,969 |
| Credit loss provision to net charge-offs | 99.3326% | 5,608 |
| Earnings coverage of net charge-offs (x) | 0.0723% | 6,091 |
| Efficiency ratio | 99.1356% | 1,146 |
| Assets per employee ($millions) | 2.8048% | 6,648 |
| Cash dividends to net income (ytd only)* | -226.6289% | 7,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 4,520 |
| Loan loss allowance to noncurrent loans | 45.2706% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 2.3297% | 2,967 |
| Noncurrent loans to loans | 2.9656% | 2,594 |
| Net loans and leases to total assets | 67.7909% | 3,749 |
| Net loans and leases to deposits | 75.3587% | 4,834 |
| Net loans and leases to core deposits | 100.1852% | 3,977 |
| Total domestic deposits to total assets | 89.9576% | 984 |
| Equity capital to assets | 9.8904% | 3,903 |
| Core capital (leverage) ratio | 10.3354% | 2,754 |
| Tier 1 risk-based capital ratio | 14.9357% | 2,976 |
| Total risk-based capital ratio | 16.1875% | 2,922 |
| Memoranda: | ||
| Average total assets | $170,493,400 | 3,605 |
| Average earning assets | $160,518,400 | 3,512 |
| Average equity | $18,513,200 | 3,423 |
| Average total loans | $121,283,600 | 3,458 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4780% | 4,532 |
| Cost of funding earning assets | 1.6152% | 5,332 |
| Net interest margin | 3.8628% | 3,376 |
| Noninterest income to average assets | 0.9272% | 1,872 |
| Noninterest expense to average assets | 4.5608% | 690 |
| Loan and lease loss provision to assets | 0.3400% | 4,296 |
| Net operating income to assets | -0.5318% | 6,463 |
| Return on assets (ROA) | -0.2734% | 6,176 |
| Pretax return on assets | -0.0896% | 5,834 |
| Return on Equity (ROE) | -2.4594% | 6,159 |
| Retained earnings to average equity (ytd only) | -6.3803% | 6,431 |
| Net charge-offs to loans | 0.2628% | 4,402 |
| Credit loss provision to net charge-offs | 180.2521% | 2,537 |
| Earnings coverage of net charge-offs (x) | -0.0420% | 6,116 |
| Efficiency ratio | 100.1741% | 1,052 |
| Assets per employee ($millions) | 2.6429% | 6,959 |
| Cash dividends to net income (ytd only)* | -159.4209% | 8,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 3,476 |
| Loan loss allowance to noncurrent loans | 145.3333% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 4,954 |
| Noncurrent loans to loans | 1.0280% | 5,252 |
| Net loans and leases to total assets | 72.2292% | 2,975 |
| Net loans and leases to deposits | 81.2071% | 4,164 |
| Net loans and leases to core deposits | 107.2474% | 3,565 |
| Total domestic deposits to total assets | 88.9444% | 1,222 |
| Equity capital to assets | 10.8150% | 3,198 |
| Core capital (leverage) ratio | 10.9290% | 2,455 |
| Tier 1 risk-based capital ratio | 14.9073% | 3,083 |
| Total risk-based capital ratio | 16.1687% | 3,017 |
| Memoranda: | ||
| Average total assets | $168,239,750 | 3,659 |
| Average earning assets | $157,912,000 | 3,579 |
| Average equity | $18,703,000 | 3,417 |
| Average total loans | $120,768,000 | 3,493 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 5,565 |
| Cost of funding earning assets | 1.6679% | 5,432 |
| Net interest margin | 3.6507% | 4,162 |
| Noninterest income to average assets | 0.9122% | 1,934 |
| Noninterest expense to average assets | 4.9530% | 528 |
| Loan and lease loss provision to assets | 0.2918% | 4,236 |
| Net operating income to assets | -1.0933% | 7,050 |
| Return on assets (ROA) | -0.7050% | 6,759 |
| Pretax return on assets | -0.5347% | 6,460 |
| Return on Equity (ROE) | -6.2846% | 6,742 |
| Retained earnings to average equity (ytd only) | -9.4694% | 6,811 |
| Net charge-offs to loans | 0.3275% | 3,543 |
| Credit loss provision to net charge-offs | 125.0000% | 3,710 |
| Earnings coverage of net charge-offs (x) | -2.7041% | 6,395 |
| Efficiency ratio | 114.6046% | 759 |
| Assets per employee ($millions) | 2.6078% | 7,040 |
| Cash dividends to net income (ytd only)* | -50.6757% | 8,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 3,574 |
| Loan loss allowance to noncurrent loans | 143.5403% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.2289% | 4,484 |
| Noncurrent loans to loans | 0.9964% | 5,213 |
| Net loans and leases to total assets | 70.6559% | 3,541 |
| Net loans and leases to deposits | 79.4315% | 4,631 |
| Net loans and leases to core deposits | 104.0325% | 4,060 |
| Total domestic deposits to total assets | 88.9520% | 1,289 |
| Equity capital to assets | 10.8131% | 3,100 |
| Core capital (leverage) ratio | 11.3135% | 2,186 |
| Tier 1 risk-based capital ratio | 14.0998% | 3,457 |
| Total risk-based capital ratio | 15.2400% | 3,462 |
| Memoranda: | ||
| Average total assets | $167,938,000 | 3,677 |
| Average earning assets | $156,848,330 | 3,618 |
| Average equity | $18,839,670 | 3,417 |
| Average total loans | $119,682,330 | 3,543 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4378% | 5,238 |
| Cost of funding earning assets | 1.7399% | 5,420 |
| Net interest margin | 3.6979% | 3,899 |
| Noninterest income to average assets | 0.8881% | 1,901 |
| Noninterest expense to average assets | 3.3338% | 2,554 |
| Loan and lease loss provision to assets | 0.2873% | 3,658 |
| Net operating income to assets | 0.5082% | 4,381 |
| Return on assets (ROA) | 0.6031% | 4,192 |
| Pretax return on assets | 0.8168% | 4,016 |
| Return on Equity (ROE) | 5.2818% | 4,342 |
| Retained earnings to average equity (ytd only) | 2.1626% | 4,668 |
| Net charge-offs to loans | 0.4311% | 2,382 |
| Credit loss provision to net charge-offs | 93.7984% | 3,925 |
| Earnings coverage of net charge-offs (x) | 3.1860% | 3,257 |
| Efficiency ratio | 77.3554% | 3,280 |
| Assets per employee ($millions) | 2.6350% | 7,009 |
| Cash dividends to net income (ytd only)* | 59.0551% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 3,635 |
| Loan loss allowance to noncurrent loans | 113.7457% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 1.2424% | 4,199 |
| Noncurrent loans to loans | 1.2094% | 4,551 |
| Net loans and leases to total assets | 69.2777% | 3,854 |
| Net loans and leases to deposits | 78.3270% | 4,871 |
| Net loans and leases to core deposits | 102.3020% | 4,308 |
| Total domestic deposits to total assets | 88.4467% | 1,510 |
| Equity capital to assets | 11.3151% | 2,708 |
| Core capital (leverage) ratio | 11.3611% | 2,238 |
| Tier 1 risk-based capital ratio | 15.3988% | 2,893 |
| Total risk-based capital ratio | 16.6437% | 2,828 |
| Memoranda: | ||
| Average total assets | $168,457,500 | 3,679 |
| Average earning assets | $155,872,500 | 3,648 |
| Average equity | $19,236,000 | 3,384 |
| Average total loans | $119,706,000 | 3,563 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4746% | 3,092 |
| Cost of funding earning assets | 2.2909% | 5,201 |
| Net interest margin | 4.1837% | 2,374 |
| Noninterest income to average assets | 1.0209% | 1,522 |
| Noninterest expense to average assets | 3.4634% | 2,487 |
| Loan and lease loss provision to assets | 0.2006% | 4,885 |
| Net operating income to assets | 0.9298% | 2,877 |
| Return on assets (ROA) | 0.9684% | 2,580 |
| Pretax return on assets | 1.2640% | 2,426 |
| Return on Equity (ROE) | 8.7714% | 2,725 |
| Retained earnings to average equity (ytd only) | 5.5643% | 1,732 |
| Net charge-offs to loans | 0.1375% | 4,849 |
| Credit loss provision to net charge-offs | 212.5000% | 2,273 |
| Earnings coverage of net charge-offs (x) | 14.9813% | 1,978 |
| Efficiency ratio | 71.0017% | 4,134 |
| Assets per employee ($millions) | 2.5881% | 7,033 |
| Cash dividends to net income (ytd only)* | 36.5631% | 3,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 3,218 |
| Loan loss allowance to noncurrent loans | 131.2549% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 4,313 |
| Noncurrent loans to loans | 1.0638% | 4,448 |
| Net loans and leases to total assets | 70.9000% | 3,812 |
| Net loans and leases to deposits | 80.3226% | 4,989 |
| Net loans and leases to core deposits | 106.8609% | 4,098 |
| Total domestic deposits to total assets | 88.2691% | 1,355 |
| Equity capital to assets | 11.5263% | 2,622 |
| Core capital (leverage) ratio | 11.2646% | 2,391 |
| Tier 1 risk-based capital ratio | 15.3797% | 2,888 |
| Total risk-based capital ratio | 16.6241% | 2,824 |
| Memoranda: | ||
| Average total assets | $169,455,400 | 3,561 |
| Average earning assets | $156,226,600 | 3,547 |
| Average equity | $18,708,600 | 3,440 |
| Average total loans | $116,358,000 | 3,538 |