Home > Bank of Hindman > Performance and Condition Ratios
Bank of Hindman, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6425% | 4,321 |
| Cost of funding earning assets | 1.6054% | 1,676 |
| Net interest margin | 2.0371% | 4,400 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.5347% | 4,310 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.4958% | 3,678 |
| Return on assets (ROA) | 0.4958% | 3,680 |
| Pretax return on assets | 0.5309% | 3,761 |
| Return on Equity (ROE) | 9.9500% | 2,508 |
| Retained earnings to average equity (ytd only) | 3.8164% | 3,023 |
| Net charge-offs to loans | 0.0035% | 2,637 |
| Credit loss provision to net charge-offs | 1,125.0000% | 374 |
| Earnings coverage of net charge-offs (x) | 355.0000% | 383 |
| Efficiency ratio | 69.1615% | 1,995 |
| Assets per employee ($millions) | 9.3393% | 877 |
| Cash dividends to net income (ytd only)* | 61.6333% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 1,849 |
| Loan loss allowance to noncurrent loans | 80.9140% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 731 |
| Noncurrent loans to loans | 1.5882% | 413 |
| Net loans and leases to total assets | 44.2100% | 3,891 |
| Net loans and leases to deposits | 54.3023% | 3,778 |
| Net loans and leases to core deposits | 65.4938% | 3,517 |
| Total domestic deposits to total assets | 81.4100% | 3,237 |
| Equity capital to assets | 5.8417% | 4,260 |
| Core capital (leverage) ratio | 8.8868% | 3,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1995% | 1,227 |
| Memoranda: | ||
| Average total assets | $261,803,600 | 2,612 |
| Average earning assets | $241,372,800 | 2,620 |
| Average equity | $13,048,800 | 3,421 |
| Average total loans | $114,552,200 | 2,998 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6215% | 4,288 |
| Cost of funding earning assets | 1.4529% | 1,729 |
| Net interest margin | 2.1686% | 4,370 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.5259% | 4,294 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.5728% | 3,620 |
| Return on assets (ROA) | 0.5728% | 3,602 |
| Pretax return on assets | 0.6288% | 3,687 |
| Return on Equity (ROE) | 12.0100% | 2,122 |
| Retained earnings to average equity (ytd only) | 3.4688% | 3,392 |
| Net charge-offs to loans | 0.0047% | 2,307 |
| Credit loss provision to net charge-offs | 1,125.0000% | 378 |
| Earnings coverage of net charge-offs (x) | 325.5000% | 421 |
| Efficiency ratio | 65.2245% | 2,365 |
| Assets per employee ($millions) | 9.0821% | 902 |
| Cash dividends to net income (ytd only)* | 71.1111% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 1,746 |
| Loan loss allowance to noncurrent loans | 67.9765% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 622 |
| Noncurrent loans to loans | 1.9551% | 319 |
| Net loans and leases to total assets | 43.9400% | 3,917 |
| Net loans and leases to deposits | 53.5053% | 3,809 |
| Net loans and leases to core deposits | 63.5949% | 3,552 |
| Total domestic deposits to total assets | 82.1200% | 3,187 |
| Equity capital to assets | 3.8942% | 4,411 |
| Core capital (leverage) ratio | 8.8132% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5873% | 1,406 |
| Memoranda: | ||
| Average total assets | $261,879,500 | 2,618 |
| Average earning assets | $241,255,750 | 2,626 |
| Average equity | $12,492,000 | 3,476 |
| Average total loans | $113,911,750 | 3,014 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 4,283 |
| Cost of funding earning assets | 1.2716% | 1,781 |
| Net interest margin | 2.2958% | 4,368 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.5060% | 4,327 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.6679% | 3,415 |
| Return on assets (ROA) | 0.6679% | 3,417 |
| Pretax return on assets | 0.7451% | 3,512 |
| Return on Equity (ROE) | 13.2200% | 1,857 |
| Retained earnings to average equity (ytd only) | 1.2430% | 3,865 |
| Net charge-offs to loans | 0.0018% | 2,321 |
| Credit loss provision to net charge-offs | 4,500.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 1,054.0000% | 137 |
| Efficiency ratio | 61.1494% | 2,824 |
| Assets per employee ($millions) | 9.4669% | 790 |
| Cash dividends to net income (ytd only)* | 90.6002% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 1,953 |
| Loan loss allowance to noncurrent loans | 208.8643% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 1,841 |
| Noncurrent loans to loans | 0.6193% | 1,207 |
| Net loans and leases to total assets | 43.4200% | 3,903 |
| Net loans and leases to deposits | 52.1793% | 3,831 |
| Net loans and leases to core deposits | 59.7477% | 3,646 |
| Total domestic deposits to total assets | 83.2000% | 3,000 |
| Equity capital to assets | 5.0763% | 4,372 |
| Core capital (leverage) ratio | 8.5933% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1107% | 1,542 |
| Memoranda: | ||
| Average total assets | $264,406,000 | 2,609 |
| Average earning assets | $244,101,333 | 2,614 |
| Average equity | $13,355,000 | 3,402 |
| Average total loans | $114,134,000 | 3,016 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4996% | 4,267 |
| Cost of funding earning assets | 1.0428% | 1,901 |
| Net interest margin | 2.4568% | 4,345 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.4875% | 4,395 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.7452% | 3,358 |
| Return on assets (ROA) | 0.7452% | 3,314 |
| Pretax return on assets | 0.8195% | 3,425 |
| Return on Equity (ROE) | 14.7900% | 1,599 |
| Retained earnings to average equity (ytd only) | 14.7903% | 832 |
| Net charge-offs to loans | -0.0035% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.9832% | 3,306 |
| Assets per employee ($millions) | 9.4731% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3214% | 1,944 |
| Loan loss allowance to noncurrent loans | 202.1419% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 1,745 |
| Noncurrent loans to loans | 0.6537% | 1,151 |
| Net loans and leases to total assets | 42.5100% | 3,931 |
| Net loans and leases to deposits | 50.5197% | 3,872 |
| Net loans and leases to core deposits | 57.4126% | 3,664 |
| Total domestic deposits to total assets | 84.1500% | 3,062 |
| Equity capital to assets | 5.3576% | 4,361 |
| Core capital (leverage) ratio | 8.7207% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5633% | 1,474 |
| Memoranda: | ||
| Average total assets | $264,074,000 | 2,648 |
| Average earning assets | $243,571,500 | 2,653 |
| Average equity | $13,306,000 | 3,444 |
| Average total loans | $112,905,500 | 3,064 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1033% | 3,983 |
| Cost of funding earning assets | 0.6181% | 834 |
| Net interest margin | 2.4852% | 4,302 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.4804% | 4,442 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8210% | 3,252 |
| Return on assets (ROA) | 0.8163% | 3,202 |
| Pretax return on assets | 0.9188% | 3,300 |
| Return on Equity (ROE) | 13.2000% | 1,740 |
| Retained earnings to average equity (ytd only) | 4.6969% | 3,172 |
| Net charge-offs to loans | -0.0456% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.4358% | 3,531 |
| Assets per employee ($millions) | 9.3893% | 816 |
| Cash dividends to net income (ytd only)* | 64.4271% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 1,839 |
| Loan loss allowance to noncurrent loans | 107.4890% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 981 |
| Noncurrent loans to loans | 1.2211% | 571 |
| Net loans and leases to total assets | 41.8700% | 3,991 |
| Net loans and leases to deposits | 48.0056% | 3,975 |
| Net loans and leases to core deposits | 54.1945% | 3,798 |
| Total domestic deposits to total assets | 87.2200% | 2,320 |
| Equity capital to assets | 4.7170% | 4,432 |
| Core capital (leverage) ratio | 8.6225% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9829% | 1,634 |
| Memoranda: | ||
| Average total assets | $266,210,400 | 2,630 |
| Average earning assets | $246,221,200 | 2,636 |
| Average equity | $16,457,800 | 3,237 |
| Average total loans | $103,071,200 | 3,109 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0150% | 3,866 |
| Cost of funding earning assets | 0.5699% | 517 |
| Net interest margin | 2.4451% | 4,267 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.4639% | 4,459 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.7966% | 3,277 |
| Return on assets (ROA) | 0.7904% | 3,248 |
| Pretax return on assets | 0.8872% | 3,351 |
| Return on Equity (ROE) | 12.0800% | 2,007 |
| Retained earnings to average equity (ytd only) | 5.2120% | 3,018 |
| Net charge-offs to loans | -0.0634% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.0269% | 3,513 |
| Assets per employee ($millions) | 9.1522% | 844 |
| Cash dividends to net income (ytd only)* | 56.8541% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 1,735 |
| Loan loss allowance to noncurrent loans | 63.2399% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 512 |
| Noncurrent loans to loans | 2.1597% | 269 |
| Net loans and leases to total assets | 40.0500% | 4,071 |
| Net loans and leases to deposits | 44.9515% | 4,070 |
| Net loans and leases to core deposits | 49.8066% | 3,961 |
| Total domestic deposits to total assets | 89.0900% | 2,050 |
| Equity capital to assets | 3.7446% | 4,505 |
| Core capital (leverage) ratio | 8.6402% | 3,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2168% | 1,645 |
| Memoranda: | ||
| Average total assets | $267,037,750 | 2,643 |
| Average earning assets | $247,292,000 | 2,647 |
| Average equity | $17,472,000 | 3,205 |
| Average total loans | $100,954,500 | 3,143 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9057% | 3,761 |
| Cost of funding earning assets | 0.5384% | 426 |
| Net interest margin | 2.3673% | 4,262 |
| Noninterest income to average assets | 0.1796% | 4,107 |
| Noninterest expense to average assets | 1.4485% | 4,473 |
| Loan and lease loss provision to assets | 0.0370% | 1,924 |
| Net operating income to assets | 0.8040% | 2,940 |
| Return on assets (ROA) | 0.8040% | 2,912 |
| Pretax return on assets | 0.8942% | 3,084 |
| Return on Equity (ROE) | 10.8273% | 2,042 |
| Retained earnings to average equity (ytd only) | 4.8564% | 2,763 |
| Net charge-offs to loans | 0.0180% | 1,376 |
| Credit loss provision to net charge-offs | 555.5556% | 601 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 678 |
| Efficiency ratio | 56.8634% | 3,696 |
| Assets per employee ($millions) | 9.0160% | 881 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 2,084 |
| Loan loss allowance to noncurrent loans | 59.9640% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9420% | 521 |
| Noncurrent loans to loans | 2.2063% | 289 |
| Net loans and leases to total assets | 38.0251% | 4,167 |
| Net loans and leases to deposits | 43.3597% | 4,139 |
| Net loans and leases to core deposits | 48.3272% | 4,013 |
| Total domestic deposits to total assets | 87.6970% | 2,696 |
| Equity capital to assets | 5.4876% | 4,367 |
| Core capital (leverage) ratio | 8.5528% | 3,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6410% | 1,526 |
| Memoranda: | ||
| Average total assets | $270,630,000 | 2,643 |
| Average earning assets | $251,505,667 | 2,660 |
| Average equity | $20,097,333 | 3,062 |
| Average total loans | $99,925,000 | 3,189 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8002% | 3,743 |
| Cost of funding earning assets | 0.5314% | 419 |
| Net interest margin | 2.2688% | 4,276 |
| Noninterest income to average assets | 0.1657% | 4,175 |
| Noninterest expense to average assets | 1.3982% | 4,538 |
| Loan and lease loss provision to assets | 0.0291% | 1,844 |
| Net operating income to assets | 0.7630% | 2,805 |
| Return on assets (ROA) | 0.7630% | 2,796 |
| Pretax return on assets | 0.8546% | 2,926 |
| Return on Equity (ROE) | 9.1416% | 2,270 |
| Retained earnings to average equity (ytd only) | 3.9178% | 2,962 |
| Net charge-offs to loans | -0.2814% | 4,648 |
| Credit loss provision to net charge-offs | -28.5714% | 2,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1975% | 3,761 |
| Assets per employee ($millions) | 8.9466% | 938 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 1,798 |
| Loan loss allowance to noncurrent loans | 78.7464% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.7433% | 756 |
| Noncurrent loans to loans | 1.8156% | 422 |
| Net loans and leases to total assets | 35.4994% | 4,240 |
| Net loans and leases to deposits | 40.2662% | 4,233 |
| Net loans and leases to core deposits | 44.7150% | 4,131 |
| Total domestic deposits to total assets | 88.1617% | 2,452 |
| Equity capital to assets | 7.0954% | 4,164 |
| Core capital (leverage) ratio | 8.3998% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3714% | 1,409 |
| Memoranda: | ||
| Average total assets | $275,213,000 | 2,628 |
| Average earning assets | $256,700,000 | 2,635 |
| Average equity | $22,972,000 | 2,907 |
| Average total loans | $99,510,000 | 3,199 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6533% | 4,354 |
| Cost of funding earning assets | 0.6524% | 418 |
| Net interest margin | 2.0009% | 4,601 |
| Noninterest income to average assets | 0.1479% | 4,411 |
| Noninterest expense to average assets | 1.3335% | 4,661 |
| Loan and lease loss provision to assets | 0.0301% | 2,455 |
| Net operating income to assets | 0.5989% | 3,880 |
| Return on assets (ROA) | 0.6062% | 3,909 |
| Pretax return on assets | 0.6713% | 3,993 |
| Return on Equity (ROE) | 6.2910% | 3,707 |
| Retained earnings to average equity (ytd only) | 1.8840% | 4,014 |
| Net charge-offs to loans | 0.0831% | 973 |
| Credit loss provision to net charge-offs | 98.8372% | 1,825 |
| Earnings coverage of net charge-offs (x) | 22.7791% | 1,789 |
| Efficiency ratio | 61.2886% | 2,969 |
| Assets per employee ($millions) | 10.0724% | 649 |
| Cash dividends to net income (ytd only)* | 70.0525% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,553 |
| Loan loss allowance to noncurrent loans | 95.2802% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.5659% | 1,168 |
| Noncurrent loans to loans | 1.3248% | 704 |
| Net loans and leases to total assets | 35.8356% | 4,294 |
| Net loans and leases to deposits | 41.8854% | 4,279 |
| Net loans and leases to core deposits | 46.9210% | 4,146 |
| Total domestic deposits to total assets | 85.5563% | 3,066 |
| Equity capital to assets | 9.5381% | 3,111 |
| Core capital (leverage) ratio | 8.3219% | 4,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2235% | 1,452 |
| Memoranda: | ||
| Average total assets | $282,570,000 | 2,522 |
| Average earning assets | $265,333,600 | 2,520 |
| Average equity | $27,229,400 | 2,706 |
| Average total loans | $103,457,200 | 3,155 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6740% | 4,435 |
| Cost of funding earning assets | 0.6796% | 430 |
| Net interest margin | 1.9945% | 4,683 |
| Noninterest income to average assets | 0.1405% | 4,499 |
| Noninterest expense to average assets | 1.3295% | 4,729 |
| Loan and lease loss provision to assets | 0.0354% | 2,294 |
| Net operating income to assets | 0.5721% | 4,063 |
| Return on assets (ROA) | 0.5721% | 4,104 |
| Pretax return on assets | 0.6485% | 4,161 |
| Return on Equity (ROE) | 5.9216% | 3,930 |
| Retained earnings to average equity (ytd only) | 1.5280% | 4,307 |
| Net charge-offs to loans | 0.0476% | 1,183 |
| Credit loss provision to net charge-offs | 202.7027% | 1,201 |
| Earnings coverage of net charge-offs (x) | 39.1892% | 1,382 |
| Efficiency ratio | 61.5132% | 2,769 |
| Assets per employee ($millions) | 9.4289% | 788 |
| Cash dividends to net income (ytd only)* | 74.1962% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 2,077 |
| Loan loss allowance to noncurrent loans | 67.3924% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 879 |
| Noncurrent loans to loans | 2.0566% | 420 |
| Net loans and leases to total assets | 34.6343% | 4,441 |
| Net loans and leases to deposits | 40.8224% | 4,420 |
| Net loans and leases to core deposits | 46.6363% | 4,297 |
| Total domestic deposits to total assets | 84.8415% | 3,169 |
| Equity capital to assets | 9.9683% | 2,932 |
| Core capital (leverage) ratio | 8.2616% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9552% | 1,362 |
| Memoranda: | ||
| Average total assets | $282,705,750 | 2,545 |
| Average earning assets | $265,460,250 | 2,537 |
| Average equity | $27,311,750 | 2,720 |
| Average total loans | $103,732,000 | 3,191 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6906% | 4,468 |
| Cost of funding earning assets | 0.6907% | 488 |
| Net interest margin | 1.9999% | 4,708 |
| Noninterest income to average assets | 0.1540% | 4,426 |
| Noninterest expense to average assets | 1.3261% | 4,775 |
| Loan and lease loss provision to assets | 0.0455% | 2,103 |
| Net operating income to assets | 0.5731% | 4,041 |
| Return on assets (ROA) | 0.5731% | 4,093 |
| Pretax return on assets | 0.6606% | 4,144 |
| Return on Equity (ROE) | 5.9934% | 3,902 |
| Retained earnings to average equity (ytd only) | 1.6026% | 4,221 |
| Net charge-offs to loans | 0.1035% | 726 |
| Credit loss provision to net charge-offs | 118.1818% | 1,271 |
| Earnings coverage of net charge-offs (x) | 18.3455% | 1,568 |
| Efficiency ratio | 60.8127% | 2,895 |
| Assets per employee ($millions) | 9.6780% | 679 |
| Cash dividends to net income (ytd only)* | 73.2601% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,816 |
| Loan loss allowance to noncurrent loans | 57.1241% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 838 |
| Noncurrent loans to loans | 2.1373% | 431 |
| Net loans and leases to total assets | 37.5616% | 4,406 |
| Net loans and leases to deposits | 44.4559% | 4,368 |
| Net loans and leases to core deposits | 50.5561% | 4,211 |
| Total domestic deposits to total assets | 84.4917% | 3,286 |
| Equity capital to assets | 9.7131% | 3,127 |
| Core capital (leverage) ratio | 7.9286% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1396% | 1,584 |
| Memoranda: | ||
| Average total assets | $285,795,333 | 2,516 |
| Average earning assets | $268,411,333 | 2,514 |
| Average equity | $27,330,000 | 2,714 |
| Average total loans | $106,298,000 | 3,176 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7293% | 4,446 |
| Cost of funding earning assets | 0.7041% | 539 |
| Net interest margin | 2.0252% | 4,717 |
| Noninterest income to average assets | 0.1498% | 4,451 |
| Noninterest expense to average assets | 1.3317% | 4,802 |
| Loan and lease loss provision to assets | 0.0486% | 2,112 |
| Net operating income to assets | 0.5743% | 4,007 |
| Return on assets (ROA) | 0.5743% | 4,059 |
| Pretax return on assets | 0.6728% | 4,071 |
| Return on Equity (ROE) | 6.0516% | 3,847 |
| Retained earnings to average equity (ytd only) | 1.6664% | 4,079 |
| Net charge-offs to loans | 0.1244% | 580 |
| Credit loss provision to net charge-offs | 106.0606% | 1,084 |
| Earnings coverage of net charge-offs (x) | 15.7576% | 1,337 |
| Efficiency ratio | 60.5405% | 2,969 |
| Assets per employee ($millions) | 9.9199% | 608 |
| Cash dividends to net income (ytd only)* | 72.4638% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,714 |
| Loan loss allowance to noncurrent loans | 44.9029% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.0998% | 719 |
| Noncurrent loans to loans | 2.7634% | 307 |
| Net loans and leases to total assets | 35.8278% | 4,509 |
| Net loans and leases to deposits | 42.0914% | 4,495 |
| Net loans and leases to core deposits | 47.5933% | 4,386 |
| Total domestic deposits to total assets | 85.1190% | 3,053 |
| Equity capital to assets | 9.2149% | 3,482 |
| Core capital (leverage) ratio | 7.7005% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,362,000 | 2,497 |
| Average earning assets | $270,985,000 | 2,486 |
| Average equity | $27,364,500 | 2,708 |
| Average total loans | $106,085,000 | 3,186 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1373% | 4,522 |
| Cost of funding earning assets | 0.8815% | 907 |
| Net interest margin | 2.2558% | 4,738 |
| Noninterest income to average assets | 0.1366% | 4,606 |
| Noninterest expense to average assets | 1.4985% | 4,781 |
| Loan and lease loss provision to assets | 0.0811% | 3,362 |
| Net operating income to assets | 0.5884% | 3,793 |
| Return on assets (ROA) | 0.6770% | 3,629 |
| Pretax return on assets | 0.7689% | 3,705 |
| Return on Equity (ROE) | 6.4683% | 3,420 |
| Retained earnings to average equity (ytd only) | 4.2556% | 2,681 |
| Net charge-offs to loans | 0.0285% | 2,467 |
| Credit loss provision to net charge-offs | 677.4194% | 1,011 |
| Earnings coverage of net charge-offs (x) | 62.6129% | 1,050 |
| Efficiency ratio | 62.2360% | 3,085 |
| Assets per employee ($millions) | 9.9672% | 536 |
| Cash dividends to net income (ytd only)* | 34.2075% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,956 |
| Loan loss allowance to noncurrent loans | 38.0294% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2731% | 639 |
| Noncurrent loans to loans | 3.1538% | 263 |
| Net loans and leases to total assets | 36.8499% | 4,567 |
| Net loans and leases to deposits | 43.3952% | 4,547 |
| Net loans and leases to core deposits | 48.6465% | 4,470 |
| Total domestic deposits to total assets | 84.9170% | 2,798 |
| Equity capital to assets | 9.7631% | 3,357 |
| Core capital (leverage) ratio | 7.8115% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,067,400 | 2,519 |
| Average earning assets | $242,436,800 | 2,511 |
| Average equity | $27,117,000 | 2,667 |
| Average total loans | $108,630,800 | 3,112 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2970% | 4,473 |
| Cost of funding earning assets | 0.9171% | 1,011 |
| Net interest margin | 2.3799% | 4,740 |
| Noninterest income to average assets | 0.1267% | 4,657 |
| Noninterest expense to average assets | 1.5333% | 4,779 |
| Loan and lease loss provision to assets | 0.0875% | 3,218 |
| Net operating income to assets | 0.6323% | 3,689 |
| Return on assets (ROA) | 0.7038% | 3,547 |
| Pretax return on assets | 0.8146% | 3,606 |
| Return on Equity (ROE) | 6.5966% | 3,344 |
| Retained earnings to average equity (ytd only) | 3.6162% | 3,245 |
| Net charge-offs to loans | -0.0074% | 4,153 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8382% | 3,252 |
| Assets per employee ($millions) | 9.2347% | 650 |
| Cash dividends to net income (ytd only)* | 45.1807% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 2,886 |
| Loan loss allowance to noncurrent loans | 62.2276% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 1,240 |
| Noncurrent loans to loans | 1.8642% | 691 |
| Net loans and leases to total assets | 40.8826% | 4,535 |
| Net loans and leases to deposits | 49.1231% | 4,515 |
| Net loans and leases to core deposits | 55.4961% | 4,396 |
| Total domestic deposits to total assets | 83.2248% | 3,083 |
| Equity capital to assets | 10.3026% | 2,960 |
| Core capital (leverage) ratio | 8.1150% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,572,250 | 2,551 |
| Average earning assets | $235,237,750 | 2,540 |
| Average equity | $26,841,250 | 2,680 |
| Average total loans | $108,836,750 | 3,119 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3954% | 4,542 |
| Cost of funding earning assets | 0.9425% | 1,179 |
| Net interest margin | 2.4528% | 4,761 |
| Noninterest income to average assets | 0.1487% | 4,564 |
| Noninterest expense to average assets | 1.5673% | 4,807 |
| Loan and lease loss provision to assets | 0.0853% | 3,212 |
| Net operating income to assets | 0.6740% | 3,489 |
| Return on assets (ROA) | 0.7824% | 3,217 |
| Pretax return on assets | 0.9157% | 3,266 |
| Return on Equity (ROE) | 7.2430% | 3,038 |
| Retained earnings to average equity (ytd only) | 2.7302% | 3,489 |
| Net charge-offs to loans | -0.0092% | 4,190 |
| Credit loss provision to net charge-offs | -2,100.0000% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9201% | 3,420 |
| Assets per employee ($millions) | 9.5107% | 583 |
| Cash dividends to net income (ytd only)* | 62.3053% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,070 |
| Loan loss allowance to noncurrent loans | 59.5331% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 1,344 |
| Noncurrent loans to loans | 1.8462% | 756 |
| Net loans and leases to total assets | 39.9338% | 4,609 |
| Net loans and leases to deposits | 47.1821% | 4,617 |
| Net loans and leases to core deposits | 52.8049% | 4,534 |
| Total domestic deposits to total assets | 84.6376% | 2,522 |
| Equity capital to assets | 9.8931% | 3,293 |
| Core capital (leverage) ratio | 7.6958% | 4,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9998% | 1,819 |
| Memoranda: | ||
| Average total assets | $246,161,000 | 2,566 |
| Average earning assets | $230,018,667 | 2,552 |
| Average equity | $26,591,333 | 2,677 |
| Average total loans | $108,192,000 | 3,125 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4680% | 4,661 |
| Cost of funding earning assets | 0.9787% | 1,515 |
| Net interest margin | 2.4893% | 4,835 |
| Noninterest income to average assets | 0.1833% | 4,449 |
| Noninterest expense to average assets | 1.7066% | 4,773 |
| Loan and lease loss provision to assets | 0.0778% | 2,747 |
| Net operating income to assets | 0.6156% | 3,557 |
| Return on assets (ROA) | 0.6156% | 3,613 |
| Pretax return on assets | 0.7210% | 3,620 |
| Return on Equity (ROE) | 5.4260% | 3,500 |
| Retained earnings to average equity (ytd only) | 0.8535% | 3,779 |
| Net charge-offs to loans | 0.0713% | 1,318 |
| Credit loss provision to net charge-offs | 236.8421% | 1,325 |
| Earnings coverage of net charge-offs (x) | 24.3158% | 1,302 |
| Efficiency ratio | 63.6991% | 3,279 |
| Assets per employee ($millions) | 8.6212% | 607 |
| Cash dividends to net income (ytd only)* | 84.2697% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,368 |
| Loan loss allowance to noncurrent loans | 45.0415% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1403% | 1,122 |
| Noncurrent loans to loans | 2.3669% | 524 |
| Net loans and leases to total assets | 42.3145% | 4,581 |
| Net loans and leases to deposits | 50.3920% | 4,577 |
| Net loans and leases to core deposits | 55.2779% | 4,521 |
| Total domestic deposits to total assets | 83.9706% | 2,797 |
| Equity capital to assets | 10.6137% | 3,220 |
| Core capital (leverage) ratio | 9.2728% | 4,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,337,000 | 2,614 |
| Average earning assets | $215,803,500 | 2,607 |
| Average equity | $26,244,000 | 2,692 |
| Average total loans | $106,605,500 | 3,130 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 4,334 |
| Cost of funding earning assets | 1.0383% | 1,564 |
| Net interest margin | 2.9195% | 4,637 |
| Noninterest income to average assets | 0.2059% | 4,430 |
| Noninterest expense to average assets | 1.8477% | 4,717 |
| Loan and lease loss provision to assets | 0.0872% | 2,272 |
| Net operating income to assets | 0.8503% | 3,389 |
| Return on assets (ROA) | 0.8652% | 3,430 |
| Pretax return on assets | 0.9796% | 3,515 |
| Return on Equity (ROE) | 6.9950% | 3,546 |
| Retained earnings to average equity (ytd only) | 1.7076% | 4,120 |
| Net charge-offs to loans | 0.0217% | 2,982 |
| Credit loss provision to net charge-offs | 782.6087% | 421 |
| Earnings coverage of net charge-offs (x) | 94.2174% | 710 |
| Efficiency ratio | 59.4549% | 3,769 |
| Assets per employee ($millions) | 7.3330% | 919 |
| Cash dividends to net income (ytd only)* | 75.5879% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,225 |
| Loan loss allowance to noncurrent loans | 45.1744% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.3101% | 841 |
| Noncurrent loans to loans | 2.3203% | 508 |
| Net loans and leases to total assets | 49.4522% | 4,348 |
| Net loans and leases to deposits | 60.1305% | 4,283 |
| Net loans and leases to core deposits | 66.9374% | 4,136 |
| Total domestic deposits to total assets | 82.2414% | 3,445 |
| Equity capital to assets | 12.2036% | 2,009 |
| Core capital (leverage) ratio | 9.5276% | 4,031 |
| Tier 1 risk-based capital ratio | 15.7276% | 2,494 |
| Total risk-based capital ratio | 16.5830% | 2,577 |
| Memoranda: | ||
| Average total assets | $206,415,600 | 2,791 |
| Average earning assets | $190,308,400 | 2,798 |
| Average equity | $25,532,600 | 2,678 |
| Average total loans | $106,106,400 | 3,144 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 4,449 |
| Cost of funding earning assets | 1.0247% | 1,660 |
| Net interest margin | 2.9308% | 4,724 |
| Noninterest income to average assets | 0.1979% | 4,535 |
| Noninterest expense to average assets | 1.8601% | 4,748 |
| Loan and lease loss provision to assets | 0.0879% | 2,158 |
| Net operating income to assets | 0.8389% | 3,548 |
| Return on assets (ROA) | 0.8481% | 3,604 |
| Pretax return on assets | 0.9613% | 3,708 |
| Return on Equity (ROE) | 6.8323% | 3,750 |
| Retained earnings to average equity (ytd only) | 2.1131% | 4,231 |
| Net charge-offs to loans | 0.0025% | 3,341 |
| Credit loss provision to net charge-offs | 6,750.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 796.9850% | 118 |
| Efficiency ratio | 59.8339% | 3,679 |
| Assets per employee ($millions) | 7.2890% | 914 |
| Cash dividends to net income (ytd only)* | 69.0714% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,590 |
| Loan loss allowance to noncurrent loans | 51.3909% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 1,119 |
| Noncurrent loans to loans | 1.9403% | 712 |
| Net loans and leases to total assets | 51.1976% | 4,359 |
| Net loans and leases to deposits | 62.1894% | 4,279 |
| Net loans and leases to core deposits | 68.3794% | 4,145 |
| Total domestic deposits to total assets | 82.3253% | 3,380 |
| Equity capital to assets | 12.3441% | 2,012 |
| Core capital (leverage) ratio | 9.9079% | 3,730 |
| Tier 1 risk-based capital ratio | 15.4258% | 2,662 |
| Total risk-based capital ratio | 16.2500% | 2,780 |
| Memoranda: | ||
| Average total assets | $204,855,000 | 2,821 |
| Average earning assets | $188,796,500 | 2,829 |
| Average equity | $25,427,750 | 2,698 |
| Average total loans | $106,063,500 | 3,181 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 4,521 |
| Cost of funding earning assets | 1.0231% | 1,588 |
| Net interest margin | 2.9031% | 4,818 |
| Noninterest income to average assets | 0.2220% | 4,414 |
| Noninterest expense to average assets | 1.8995% | 4,748 |
| Loan and lease loss provision to assets | 0.0888% | 2,067 |
| Net operating income to assets | 0.8121% | 3,609 |
| Return on assets (ROA) | 0.8279% | 3,613 |
| Pretax return on assets | 0.9256% | 3,772 |
| Return on Equity (ROE) | 6.6571% | 3,815 |
| Retained earnings to average equity (ytd only) | 1.8964% | 4,148 |
| Net charge-offs to loans | -0.0114% | 4,367 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1925% | 3,558 |
| Assets per employee ($millions) | 6.9837% | 1,005 |
| Cash dividends to net income (ytd only)* | 71.5137% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,758 |
| Loan loss allowance to noncurrent loans | 42.5111% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 907 |
| Noncurrent loans to loans | 2.2970% | 568 |
| Net loans and leases to total assets | 50.9665% | 4,411 |
| Net loans and leases to deposits | 61.3878% | 4,359 |
| Net loans and leases to core deposits | 69.7222% | 4,123 |
| Total domestic deposits to total assets | 83.0239% | 3,197 |
| Equity capital to assets | 12.3038% | 1,984 |
| Core capital (leverage) ratio | 9.7913% | 3,837 |
| Tier 1 risk-based capital ratio | 15.5899% | 2,590 |
| Total risk-based capital ratio | 16.4032% | 2,699 |
| Memoranda: | ||
| Average total assets | $202,679,670 | 2,851 |
| Average earning assets | $186,696,330 | 2,862 |
| Average equity | $25,206,000 | 2,698 |
| Average total loans | $104,980,670 | 3,210 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 4,611 |
| Cost of funding earning assets | 1.0256% | 1,464 |
| Net interest margin | 2.8388% | 4,949 |
| Noninterest income to average assets | 0.2168% | 4,451 |
| Noninterest expense to average assets | 1.9672% | 4,704 |
| Loan and lease loss provision to assets | 0.0903% | 1,904 |
| Net operating income to assets | 0.7086% | 3,905 |
| Return on assets (ROA) | 0.7086% | 3,950 |
| Pretax return on assets | 0.7708% | 4,117 |
| Return on Equity (ROE) | 5.6661% | 4,132 |
| Retained earnings to average equity (ytd only) | 0.8507% | 4,350 |
| Net charge-offs to loans | -0.0193% | 4,479 |
| Credit loss provision to net charge-offs | -900.0000% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0106% | 3,085 |
| Assets per employee ($millions) | 6.7297% | 1,124 |
| Cash dividends to net income (ytd only)* | 84.9858% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 3,967 |
| Loan loss allowance to noncurrent loans | 48.2742% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.2116% | 1,101 |
| Noncurrent loans to loans | 1.9665% | 756 |
| Net loans and leases to total assets | 52.0437% | 4,332 |
| Net loans and leases to deposits | 63.7308% | 4,198 |
| Net loans and leases to core deposits | 72.6456% | 3,899 |
| Total domestic deposits to total assets | 81.6618% | 3,810 |
| Equity capital to assets | 12.4944% | 1,738 |
| Core capital (leverage) ratio | 10.2483% | 3,331 |
| Tier 1 risk-based capital ratio | 15.4775% | 2,662 |
| Total risk-based capital ratio | 16.2588% | 2,807 |
| Memoranda: | ||
| Average total assets | $199,263,500 | 2,908 |
| Average earning assets | $183,315,500 | 2,918 |
| Average equity | $24,920,000 | 2,724 |
| Average total loans | $103,554,000 | 3,262 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,495 |
| Cost of funding earning assets | 0.8863% | 1,149 |
| Net interest margin | 2.9087% | 4,909 |
| Noninterest income to average assets | 0.2500% | 4,424 |
| Noninterest expense to average assets | 1.9166% | 4,874 |
| Loan and lease loss provision to assets | 0.1155% | 1,910 |
| Net operating income to assets | 0.7957% | 3,820 |
| Return on assets (ROA) | 0.7948% | 3,829 |
| Pretax return on assets | 0.8826% | 3,941 |
| Return on Equity (ROE) | 6.3558% | 4,048 |
| Retained earnings to average equity (ytd only) | 1.4288% | 4,564 |
| Net charge-offs to loans | 0.1362% | 1,390 |
| Credit loss provision to net charge-offs | 178.5714% | 1,582 |
| Earnings coverage of net charge-offs (x) | 15.4444% | 2,325 |
| Efficiency ratio | 61.1904% | 3,662 |
| Assets per employee ($millions) | 6.5546% | 1,192 |
| Cash dividends to net income (ytd only)* | 77.5194% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 3,970 |
| Loan loss allowance to noncurrent loans | 51.9262% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 1.1203% | 1,192 |
| Noncurrent loans to loans | 1.8242% | 773 |
| Net loans and leases to total assets | 50.8923% | 4,463 |
| Net loans and leases to deposits | 62.9153% | 4,318 |
| Net loans and leases to core deposits | 70.9114% | 4,065 |
| Total domestic deposits to total assets | 80.8902% | 3,916 |
| Equity capital to assets | 12.5180% | 1,570 |
| Core capital (leverage) ratio | 10.2637% | 3,291 |
| Tier 1 risk-based capital ratio | 15.4527% | 2,645 |
| Total risk-based capital ratio | 16.1978% | 2,778 |
| Memoranda: | ||
| Average total assets | $194,767,400 | 2,917 |
| Average earning assets | $178,499,000 | 2,937 |
| Average equity | $24,355,800 | 2,693 |
| Average total loans | $92,482,200 | 3,433 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7521% | 4,547 |
| Cost of funding earning assets | 0.8633% | 1,058 |
| Net interest margin | 2.8888% | 4,989 |
| Noninterest income to average assets | 0.2347% | 4,570 |
| Noninterest expense to average assets | 1.8953% | 4,911 |
| Loan and lease loss provision to assets | 0.1201% | 1,686 |
| Net operating income to assets | 0.7835% | 3,962 |
| Return on assets (ROA) | 0.7823% | 3,974 |
| Pretax return on assets | 0.8632% | 4,135 |
| Return on Equity (ROE) | 6.2573% | 4,187 |
| Retained earnings to average equity (ytd only) | 1.7290% | 4,664 |
| Net charge-offs to loans | 0.1771% | 940 |
| Credit loss provision to net charge-offs | 145.8333% | 1,748 |
| Earnings coverage of net charge-offs (x) | 11.9581% | 2,484 |
| Efficiency ratio | 61.2104% | 3,632 |
| Assets per employee ($millions) | 6.5741% | 1,150 |
| Cash dividends to net income (ytd only)* | 72.3684% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,084 |
| Loan loss allowance to noncurrent loans | 49.7006% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 1,285 |
| Noncurrent loans to loans | 1.8920% | 799 |
| Net loans and leases to total assets | 48.7679% | 4,677 |
| Net loans and leases to deposits | 59.1366% | 4,594 |
| Net loans and leases to core deposits | 66.5051% | 4,382 |
| Total domestic deposits to total assets | 82.4665% | 3,471 |
| Equity capital to assets | 12.2192% | 1,761 |
| Core capital (leverage) ratio | 10.2713% | 3,331 |
| Tier 1 risk-based capital ratio | 15.2877% | 2,748 |
| Total risk-based capital ratio | 15.9940% | 2,918 |
| Memoranda: | ||
| Average total assets | $194,300,000 | 2,945 |
| Average earning assets | $177,922,000 | 2,968 |
| Average equity | $24,291,000 | 2,711 |
| Average total loans | $90,345,250 | 3,502 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7055% | 4,568 |
| Cost of funding earning assets | 0.8546% | 895 |
| Net interest margin | 2.8509% | 5,070 |
| Noninterest income to average assets | 0.2638% | 4,421 |
| Noninterest expense to average assets | 1.9015% | 4,957 |
| Loan and lease loss provision to assets | 0.1345% | 1,465 |
| Net operating income to assets | 0.7583% | 4,004 |
| Return on assets (ROA) | 0.7583% | 4,006 |
| Pretax return on assets | 0.8369% | 4,145 |
| Return on Equity (ROE) | 6.0193% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.5028% | 4,641 |
| Net charge-offs to loans | 0.2747% | 581 |
| Credit loss provision to net charge-offs | 107.4380% | 1,928 |
| Earnings coverage of net charge-offs (x) | 7.7603% | 2,528 |
| Efficiency ratio | 61.5412% | 3,688 |
| Assets per employee ($millions) | 6.4672% | 1,189 |
| Cash dividends to net income (ytd only)* | 75.0341% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 4,114 |
| Loan loss allowance to noncurrent loans | 52.2919% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 1,396 |
| Noncurrent loans to loans | 1.8179% | 855 |
| Net loans and leases to total assets | 46.5619% | 4,792 |
| Net loans and leases to deposits | 58.5661% | 4,607 |
| Net loans and leases to core deposits | 66.5912% | 4,341 |
| Total domestic deposits to total assets | 79.5031% | 4,348 |
| Equity capital to assets | 12.4624% | 1,558 |
| Core capital (leverage) ratio | 10.3726% | 3,164 |
| Tier 1 risk-based capital ratio | 15.3217% | 2,717 |
| Total risk-based capital ratio | 16.0002% | 2,924 |
| Memoranda: | ||
| Average total assets | $193,326,000 | 2,969 |
| Average earning assets | $176,925,670 | 2,994 |
| Average equity | $24,355,000 | 2,719 |
| Average total loans | $88,095,670 | 3,560 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 4,561 |
| Cost of funding earning assets | 0.8318% | 829 |
| Net interest margin | 2.8331% | 5,121 |
| Noninterest income to average assets | 0.2570% | 4,456 |
| Noninterest expense to average assets | 1.8883% | 5,036 |
| Loan and lease loss provision to assets | 0.1036% | 1,790 |
| Net operating income to assets | 0.7669% | 3,844 |
| Return on assets (ROA) | 0.7669% | 3,843 |
| Pretax return on assets | 0.8560% | 3,993 |
| Return on Equity (ROE) | 6.0549% | 4,140 |
| Retained earnings to average equity (ytd only) | 1.5546% | 4,473 |
| Net charge-offs to loans | 0.0324% | 1,853 |
| Credit loss provision to net charge-offs | 714.2857% | 464 |
| Earnings coverage of net charge-offs (x) | 66.1429% | 795 |
| Efficiency ratio | 61.6448% | 3,850 |
| Assets per employee ($millions) | 6.4324% | 1,238 |
| Cash dividends to net income (ytd only)* | 74.3243% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,808 |
| Loan loss allowance to noncurrent loans | 35.3750% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.5303% | 897 |
| Noncurrent loans to loans | 2.9001% | 422 |
| Net loans and leases to total assets | 45.0456% | 4,848 |
| Net loans and leases to deposits | 55.9370% | 4,693 |
| Net loans and leases to core deposits | 64.5990% | 4,384 |
| Total domestic deposits to total assets | 80.5292% | 4,312 |
| Equity capital to assets | 12.5433% | 1,459 |
| Core capital (leverage) ratio | 10.3015% | 3,189 |
| Tier 1 risk-based capital ratio | 15.4910% | 2,665 |
| Total risk-based capital ratio | 16.2090% | 2,816 |
| Memoranda: | ||
| Average total assets | $192,981,500 | 3,004 |
| Average earning assets | $176,482,500 | 3,029 |
| Average equity | $24,443,000 | 2,727 |
| Average total loans | $86,541,500 | 3,621 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 4,704 |
| Cost of funding earning assets | 0.8117% | 585 |
| Net interest margin | 2.7329% | 5,245 |
| Noninterest income to average assets | 0.0328% | 5,567 |
| Noninterest expense to average assets | 1.8764% | 5,145 |
| Loan and lease loss provision to assets | 0.0835% | 2,535 |
| Net operating income to assets | 0.6077% | 3,970 |
| Return on assets (ROA) | 0.5954% | 4,072 |
| Pretax return on assets | 0.5601% | 4,827 |
| Return on Equity (ROE) | 4.7027% | 4,287 |
| Retained earnings to average equity (ytd only) | 0.6591% | 4,775 |
| Net charge-offs to loans | 0.0453% | 2,878 |
| Credit loss provision to net charge-offs | 452.7778% | 696 |
| Earnings coverage of net charge-offs (x) | 35.5833% | 1,361 |
| Efficiency ratio | 68.8839% | 2,724 |
| Assets per employee ($millions) | 6.4331% | 1,246 |
| Cash dividends to net income (ytd only)* | 85.9845% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,901 |
| Loan loss allowance to noncurrent loans | 72.7735% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8213% | 1,901 |
| Noncurrent loans to loans | 1.3829% | 1,246 |
| Net loans and leases to total assets | 43.7319% | 4,989 |
| Net loans and leases to deposits | 54.6088% | 4,865 |
| Net loans and leases to core deposits | 62.7773% | 4,613 |
| Total domestic deposits to total assets | 80.0821% | 4,320 |
| Equity capital to assets | 12.7886% | 1,363 |
| Core capital (leverage) ratio | 10.2572% | 3,120 |
| Tier 1 risk-based capital ratio | 15.5078% | 2,624 |
| Total risk-based capital ratio | 16.1974% | 2,804 |
| Memoranda: | ||
| Average total assets | $195,317,200 | 2,966 |
| Average earning assets | $178,635,200 | 2,976 |
| Average equity | $24,730,600 | 2,693 |
| Average total loans | $79,494,600 | 3,759 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5018% | 4,811 |
| Cost of funding earning assets | 0.8053% | 562 |
| Net interest margin | 2.6965% | 5,324 |
| Noninterest income to average assets | -0.0402% | 5,702 |
| Noninterest expense to average assets | 1.8655% | 5,182 |
| Loan and lease loss provision to assets | 0.0905% | 2,258 |
| Net operating income to assets | 0.4778% | 4,797 |
| Return on assets (ROA) | 0.4860% | 4,811 |
| Pretax return on assets | 0.4778% | 5,072 |
| Return on Equity (ROE) | 3.8475% | 4,902 |
| Retained earnings to average equity (ytd only) | 1.1532% | 4,930 |
| Net charge-offs to loans | 0.0154% | 3,215 |
| Credit loss provision to net charge-offs | 1,477.7778% | 256 |
| Earnings coverage of net charge-offs (x) | 91.4425% | 734 |
| Efficiency ratio | 71.4927% | 2,282 |
| Assets per employee ($millions) | 6.4665% | 1,206 |
| Cash dividends to net income (ytd only)* | 70.0277% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,809 |
| Loan loss allowance to noncurrent loans | 68.5096% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 2,021 |
| Noncurrent loans to loans | 1.5279% | 1,219 |
| Net loans and leases to total assets | 41.6629% | 5,126 |
| Net loans and leases to deposits | 51.5778% | 5,068 |
| Net loans and leases to core deposits | 59.0732% | 4,861 |
| Total domestic deposits to total assets | 80.7768% | 4,110 |
| Equity capital to assets | 12.9390% | 1,420 |
| Core capital (leverage) ratio | 10.2253% | 3,285 |
| Tier 1 risk-based capital ratio | 16.2328% | 2,405 |
| Total risk-based capital ratio | 16.9439% | 2,576 |
| Memoranda: | ||
| Average total assets | $195,898,500 | 2,987 |
| Average earning assets | $179,142,250 | 2,996 |
| Average equity | $24,743,000 | 2,711 |
| Average total loans | $78,054,000 | 3,822 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4869% | 4,800 |
| Cost of funding earning assets | 0.7938% | 543 |
| Net interest margin | 2.6931% | 5,367 |
| Noninterest income to average assets | -0.1811% | 5,768 |
| Noninterest expense to average assets | 1.8714% | 5,226 |
| Loan and lease loss provision to assets | 0.1048% | 1,930 |
| Net operating income to assets | 0.3735% | 5,038 |
| Return on assets (ROA) | 0.3847% | 5,039 |
| Pretax return on assets | 0.3155% | 5,315 |
| Return on Equity (ROE) | 3.0702% | 5,095 |
| Retained earnings to average equity (ytd only) | 1.0397% | 4,826 |
| Net charge-offs to loans | 0.0052% | 3,283 |
| Credit loss provision to net charge-offs | 5,150.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 201.0000% | 412 |
| Efficiency ratio | 76.3052% | 1,672 |
| Assets per employee ($millions) | 6.6212% | 1,086 |
| Cash dividends to net income (ytd only)* | 66.1376% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,932 |
| Loan loss allowance to noncurrent loans | 69.1030% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 2,186 |
| Noncurrent loans to loans | 1.4978% | 1,255 |
| Net loans and leases to total assets | 40.0498% | 5,224 |
| Net loans and leases to deposits | 49.6294% | 5,154 |
| Net loans and leases to core deposits | 56.8597% | 4,964 |
| Total domestic deposits to total assets | 80.6978% | 4,261 |
| Equity capital to assets | 12.6237% | 1,564 |
| Core capital (leverage) ratio | 10.0751% | 3,436 |
| Tier 1 risk-based capital ratio | 16.6849% | 2,248 |
| Total risk-based capital ratio | 17.4008% | 2,387 |
| Memoranda: | ||
| Average total assets | $196,533,000 | 2,996 |
| Average earning assets | $179,646,330 | 3,007 |
| Average equity | $24,623,670 | 2,727 |
| Average total loans | $76,845,670 | 3,864 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4433% | 4,846 |
| Cost of funding earning assets | 0.7846% | 539 |
| Net interest margin | 2.6587% | 5,432 |
| Noninterest income to average assets | 0.2394% | 4,825 |
| Noninterest expense to average assets | 1.8743% | 5,267 |
| Loan and lease loss provision to assets | 0.1494% | 1,246 |
| Net operating income to assets | 0.5970% | 4,174 |
| Return on assets (ROA) | 0.6180% | 4,130 |
| Pretax return on assets | 0.6650% | 4,543 |
| Return on Equity (ROE) | 4.9512% | 4,416 |
| Retained earnings to average equity (ytd only) | 0.8525% | 4,706 |
| Net charge-offs to loans | 0.0107% | 2,608 |
| Credit loss provision to net charge-offs | 3,650.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 193.5000% | 292 |
| Efficiency ratio | 65.3876% | 3,598 |
| Assets per employee ($millions) | 6.5683% | 1,152 |
| Cash dividends to net income (ytd only)* | 82.7815% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 4,084 |
| Loan loss allowance to noncurrent loans | 40.3421% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 1,796 |
| Noncurrent loans to loans | 2.5581% | 604 |
| Net loans and leases to total assets | 39.0319% | 5,288 |
| Net loans and leases to deposits | 47.9567% | 5,225 |
| Net loans and leases to core deposits | 54.1527% | 5,055 |
| Total domestic deposits to total assets | 81.3899% | 4,324 |
| Equity capital to assets | 12.5055% | 1,528 |
| Core capital (leverage) ratio | 10.1064% | 3,370 |
| Tier 1 risk-based capital ratio | 16.3802% | 2,403 |
| Total risk-based capital ratio | 17.0619% | 2,562 |
| Memoranda: | ||
| Average total assets | $195,482,000 | 3,039 |
| Average earning assets | $178,431,000 | 3,051 |
| Average equity | $24,398,000 | 2,759 |
| Average total loans | $75,076,000 | 3,923 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3839% | 5,012 |
| Cost of funding earning assets | 0.7272% | 712 |
| Net interest margin | 2.6567% | 5,467 |
| Noninterest income to average assets | 0.2635% | 4,849 |
| Noninterest expense to average assets | 1.8355% | 5,442 |
| Loan and lease loss provision to assets | 0.0642% | 3,091 |
| Net operating income to assets | 0.6442% | 4,023 |
| Return on assets (ROA) | 0.6522% | 4,105 |
| Pretax return on assets | 0.7940% | 4,197 |
| Return on Equity (ROE) | 5.0759% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.0791% | 4,875 |
| Net charge-offs to loans | 0.7062% | 306 |
| Credit loss provision to net charge-offs | 26.3158% | 3,618 |
| Earnings coverage of net charge-offs (x) | 3.4779% | 3,662 |
| Efficiency ratio | 63.4520% | 4,034 |
| Assets per employee ($millions) | 6.9255% | 953 |
| Cash dividends to net income (ytd only)* | 78.7402% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 4,260 |
| Loan loss allowance to noncurrent loans | 35.2629% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 1,754 |
| Noncurrent loans to loans | 2.8618% | 494 |
| Net loans and leases to total assets | 36.9786% | 5,448 |
| Net loans and leases to deposits | 45.3042% | 5,388 |
| Net loans and leases to core deposits | 51.2647% | 5,258 |
| Total domestic deposits to total assets | 81.6229% | 4,170 |
| Equity capital to assets | 12.4560% | 1,549 |
| Core capital (leverage) ratio | 10.1230% | 3,338 |
| Tier 1 risk-based capital ratio | 16.9760% | 2,165 |
| Total risk-based capital ratio | 17.6231% | 2,335 |
| Memoranda: | ||
| Average total assets | $194,710,800 | 3,013 |
| Average earning assets | $177,401,200 | 3,041 |
| Average equity | $25,020,000 | 2,721 |
| Average total loans | $67,258,200 | 4,106 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3898% | 5,048 |
| Cost of funding earning assets | 0.7160% | 752 |
| Net interest margin | 2.6738% | 5,520 |
| Noninterest income to average assets | 0.2654% | 4,876 |
| Noninterest expense to average assets | 1.8326% | 5,479 |
| Loan and lease loss provision to assets | 0.0205% | 3,827 |
| Net operating income to assets | 0.6764% | 3,981 |
| Return on assets (ROA) | 0.6868% | 4,054 |
| Pretax return on assets | 0.8599% | 4,123 |
| Return on Equity (ROE) | 5.3043% | 4,382 |
| Retained earnings to average equity (ytd only) | 1.3419% | 4,976 |
| Net charge-offs to loans | 0.0606% | 2,487 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 42.2655% | 1,194 |
| Efficiency ratio | 62.9845% | 4,076 |
| Assets per employee ($millions) | 6.8024% | 959 |
| Cash dividends to net income (ytd only)* | 74.7017% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,709 |
| Loan loss allowance to noncurrent loans | 45.8051% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 1,670 |
| Noncurrent loans to loans | 3.3104% | 414 |
| Net loans and leases to total assets | 35.5905% | 5,567 |
| Net loans and leases to deposits | 43.2175% | 5,539 |
| Net loans and leases to core deposits | 47.8015% | 5,460 |
| Total domestic deposits to total assets | 82.3520% | 3,821 |
| Equity capital to assets | 13.0284% | 1,476 |
| Core capital (leverage) ratio | 9.9836% | 3,594 |
| Tier 1 risk-based capital ratio | 16.9738% | 2,234 |
| Total risk-based capital ratio | 17.9335% | 2,290 |
| Memoranda: | ||
| Average total assets | $194,909,750 | 3,017 |
| Average earning assets | $177,470,500 | 3,046 |
| Average equity | $25,236,500 | 2,715 |
| Average total loans | $65,963,250 | 4,170 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4202% | 5,039 |
| Cost of funding earning assets | 0.7140% | 745 |
| Net interest margin | 2.7063% | 5,559 |
| Noninterest income to average assets | 0.2637% | 4,896 |
| Noninterest expense to average assets | 1.8256% | 5,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7018% | 3,777 |
| Return on assets (ROA) | 0.7171% | 3,869 |
| Pretax return on assets | 0.9180% | 3,886 |
| Return on Equity (ROE) | 5.5499% | 4,267 |
| Retained earnings to average equity (ytd only) | 1.5629% | 4,755 |
| Net charge-offs to loans | 0.0654% | 2,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 41.5238% | 1,129 |
| Efficiency ratio | 62.1407% | 4,332 |
| Assets per employee ($millions) | 7.0405% | 860 |
| Cash dividends to net income (ytd only)* | 71.8391% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 1,717 |
| Loan loss allowance to noncurrent loans | 39.1433% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 1,426 |
| Noncurrent loans to loans | 3.9326% | 301 |
| Net loans and leases to total assets | 34.3932% | 5,663 |
| Net loans and leases to deposits | 43.8751% | 5,569 |
| Net loans and leases to core deposits | 48.2903% | 5,487 |
| Total domestic deposits to total assets | 78.3889% | 4,919 |
| Equity capital to assets | 12.9667% | 1,522 |
| Core capital (leverage) ratio | 9.9237% | 3,655 |
| Tier 1 risk-based capital ratio | 16.1300% | 2,577 |
| Total risk-based capital ratio | 17.0289% | 2,682 |
| Memoranda: | ||
| Average total assets | $194,123,330 | 3,049 |
| Average earning assets | $176,480,330 | 3,076 |
| Average equity | $25,081,670 | 2,734 |
| Average total loans | $64,187,670 | 4,233 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3385% | 5,243 |
| Cost of funding earning assets | 0.7111% | 763 |
| Net interest margin | 2.6273% | 5,698 |
| Noninterest income to average assets | 0.2617% | 4,856 |
| Noninterest expense to average assets | 1.8129% | 5,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7081% | 3,676 |
| Return on assets (ROA) | 0.7081% | 3,790 |
| Pretax return on assets | 0.8348% | 4,081 |
| Return on Equity (ROE) | 5.4908% | 4,231 |
| Retained earnings to average equity (ytd only) | 1.4653% | 4,682 |
| Net charge-offs to loans | 0.1681% | 1,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.4615% | 1,659 |
| Efficiency ratio | 63.4510% | 4,226 |
| Assets per employee ($millions) | 7.0461% | 876 |
| Cash dividends to net income (ytd only)* | 73.3138% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 1,608 |
| Loan loss allowance to noncurrent loans | 46.8472% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.1486% | 1,916 |
| Noncurrent loans to loans | 3.4137% | 411 |
| Net loans and leases to total assets | 32.9028% | 5,757 |
| Net loans and leases to deposits | 40.7836% | 5,686 |
| Net loans and leases to core deposits | 46.7454% | 5,561 |
| Total domestic deposits to total assets | 80.6767% | 4,585 |
| Equity capital to assets | 12.7067% | 1,558 |
| Core capital (leverage) ratio | 10.2441% | 3,267 |
| Tier 1 risk-based capital ratio | 15.6704% | 2,835 |
| Total risk-based capital ratio | 16.5464% | 2,961 |
| Memoranda: | ||
| Average total assets | $192,617,500 | 3,070 |
| Average earning assets | $174,931,000 | 3,103 |
| Average equity | $24,841,500 | 2,760 |
| Average total loans | $61,851,000 | 4,316 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3209% | 5,307 |
| Cost of funding earning assets | 0.7285% | 707 |
| Net interest margin | 2.5923% | 5,762 |
| Noninterest income to average assets | 0.2817% | 4,869 |
| Noninterest expense to average assets | 1.8991% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6473% | 4,047 |
| Return on assets (ROA) | 0.6678% | 4,048 |
| Pretax return on assets | 0.7462% | 4,379 |
| Return on Equity (ROE) | 4.8738% | 4,566 |
| Retained earnings to average equity (ytd only) | 0.8191% | 5,195 |
| Net charge-offs to loans | 0.0019% | 4,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,302.0000% | 37 |
| Efficiency ratio | 66.9492% | 3,759 |
| Assets per employee ($millions) | 6.9609% | 904 |
| Cash dividends to net income (ytd only)* | 83.1947% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 1,005 |
| Loan loss allowance to noncurrent loans | 40.1709% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 1.4318% | 1,456 |
| Noncurrent loans to loans | 4.6611% | 221 |
| Net loans and leases to total assets | 30.1429% | 5,884 |
| Net loans and leases to deposits | 36.0416% | 5,887 |
| Net loans and leases to core deposits | 41.7680% | 5,769 |
| Total domestic deposits to total assets | 83.6335% | 3,624 |
| Equity capital to assets | 13.0964% | 1,302 |
| Core capital (leverage) ratio | 10.3860% | 3,068 |
| Tier 1 risk-based capital ratio | 17.6823% | 2,062 |
| Total risk-based capital ratio | 18.7023% | 2,093 |
| Memoranda: | ||
| Average total assets | $179,981,600 | 3,172 |
| Average earning assets | $162,518,000 | 3,221 |
| Average equity | $24,662,400 | 2,726 |
| Average total loans | $51,642,200 | 4,615 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3002% | 5,406 |
| Cost of funding earning assets | 0.7266% | 724 |
| Net interest margin | 2.5736% | 5,863 |
| Noninterest income to average assets | 0.2869% | 4,896 |
| Noninterest expense to average assets | 1.8787% | 5,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6306% | 4,237 |
| Return on assets (ROA) | 0.6435% | 4,278 |
| Pretax return on assets | 0.7446% | 4,520 |
| Return on Equity (ROE) | 4.6416% | 4,781 |
| Retained earnings to average equity (ytd only) | 0.5890% | 5,438 |
| Net charge-offs to loans | 0.0293% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 88.5228% | 698 |
| Efficiency ratio | 66.4848% | 3,806 |
| Assets per employee ($millions) | 6.8382% | 930 |
| Cash dividends to net income (ytd only)* | 87.3116% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 843 |
| Loan loss allowance to noncurrent loans | 42.3823% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3687% | 1,688 |
| Noncurrent loans to loans | 4.8416% | 221 |
| Net loans and leases to total assets | 27.6887% | 6,036 |
| Net loans and leases to deposits | 33.4115% | 6,027 |
| Net loans and leases to core deposits | 38.5826% | 5,955 |
| Total domestic deposits to total assets | 82.8718% | 3,855 |
| Equity capital to assets | 13.4690% | 1,240 |
| Core capital (leverage) ratio | 10.4926% | 3,057 |
| Tier 1 risk-based capital ratio | 18.1159% | 1,999 |
| Total risk-based capital ratio | 19.1588% | 2,016 |
| Memoranda: | ||
| Average total assets | $177,990,750 | 3,224 |
| Average earning assets | $160,550,750 | 3,276 |
| Average equity | $24,674,500 | 2,739 |
| Average total loans | $50,119,500 | 4,709 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2894% | 5,458 |
| Cost of funding earning assets | 0.7256% | 735 |
| Net interest margin | 2.5637% | 5,913 |
| Noninterest income to average assets | 0.2947% | 4,851 |
| Noninterest expense to average assets | 1.8933% | 5,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6076% | 4,310 |
| Return on assets (ROA) | 0.6076% | 4,420 |
| Pretax return on assets | 0.7089% | 4,628 |
| Return on Equity (ROE) | 4.3397% | 4,890 |
| Retained earnings to average equity (ytd only) | 0.2763% | 5,420 |
| Net charge-offs to loans | 0.1295% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.4688% | 1,746 |
| Efficiency ratio | 67.1185% | 3,808 |
| Assets per employee ($millions) | 6.8491% | 888 |
| Cash dividends to net income (ytd only)* | 93.6330% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 739 |
| Loan loss allowance to noncurrent loans | 37.8378% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 1.5583% | 1,565 |
| Noncurrent loans to loans | 5.7991% | 169 |
| Net loans and leases to total assets | 26.2820% | 6,127 |
| Net loans and leases to deposits | 31.7931% | 6,123 |
| Net loans and leases to core deposits | 36.3102% | 6,060 |
| Total domestic deposits to total assets | 82.6658% | 4,069 |
| Equity capital to assets | 13.6908% | 1,093 |
| Core capital (leverage) ratio | 10.7423% | 2,686 |
| Tier 1 risk-based capital ratio | 19.2232% | 1,743 |
| Total risk-based capital ratio | 20.3151% | 1,749 |
| Memoranda: | ||
| Average total assets | $175,777,330 | 3,272 |
| Average earning assets | $158,207,000 | 3,328 |
| Average equity | $24,610,000 | 2,757 |
| Average total loans | $49,428,330 | 4,770 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 5,358 |
| Cost of funding earning assets | 0.7169% | 785 |
| Net interest margin | 2.6200% | 5,899 |
| Noninterest income to average assets | 0.2863% | 4,880 |
| Noninterest expense to average assets | 1.9126% | 5,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6185% | 4,202 |
| Return on assets (ROA) | 0.6185% | 4,296 |
| Pretax return on assets | 0.7261% | 4,521 |
| Return on Equity (ROE) | 4.3680% | 4,816 |
| Retained earnings to average equity (ytd only) | 0.3236% | 5,269 |
| Net charge-offs to loans | -0.1832% | 6,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9271% | 3,998 |
| Assets per employee ($millions) | 6.8442% | 916 |
| Cash dividends to net income (ytd only)* | 92.5926% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2552% | 743 |
| Loan loss allowance to noncurrent loans | 52.4442% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 2,264 |
| Noncurrent loans to loans | 4.3002% | 376 |
| Net loans and leases to total assets | 26.9139% | 6,170 |
| Net loans and leases to deposits | 32.7554% | 6,140 |
| Net loans and leases to core deposits | 37.5508% | 6,058 |
| Total domestic deposits to total assets | 82.1662% | 4,466 |
| Equity capital to assets | 13.9827% | 990 |
| Core capital (leverage) ratio | 10.9071% | 2,510 |
| Tier 1 risk-based capital ratio | 19.2380% | 1,801 |
| Total risk-based capital ratio | 20.3915% | 1,787 |
| Memoranda: | ||
| Average total assets | $174,628,000 | 3,304 |
| Average earning assets | $156,792,500 | 3,368 |
| Average equity | $24,725,000 | 2,770 |
| Average total loans | $50,216,500 | 4,777 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5262% | 5,261 |
| Cost of funding earning assets | 0.7471% | 862 |
| Net interest margin | 2.7791% | 5,841 |
| Noninterest income to average assets | 0.3422% | 4,652 |
| Noninterest expense to average assets | 1.9945% | 5,770 |
| Loan and lease loss provision to assets | 0.0589% | 3,353 |
| Net operating income to assets | 0.6468% | 4,161 |
| Return on assets (ROA) | 0.8193% | 3,371 |
| Pretax return on assets | 0.9860% | 3,559 |
| Return on Equity (ROE) | 5.7462% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.0283% | 4,771 |
| Net charge-offs to loans | 0.1740% | 2,284 |
| Credit loss provision to net charge-offs | 105.2632% | 2,277 |
| Earnings coverage of net charge-offs (x) | 14.9579% | 2,117 |
| Efficiency ratio | 65.0718% | 4,395 |
| Assets per employee ($millions) | 7.1378% | 789 |
| Cash dividends to net income (ytd only)* | 64.7017% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 944 |
| Loan loss allowance to noncurrent loans | 54.4814% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1710% | 2,423 |
| Noncurrent loans to loans | 3.8612% | 497 |
| Net loans and leases to total assets | 29.3934% | 6,194 |
| Net loans and leases to deposits | 35.8923% | 6,176 |
| Net loans and leases to core deposits | 41.2970% | 6,064 |
| Total domestic deposits to total assets | 81.8933% | 4,458 |
| Equity capital to assets | 14.3415% | 859 |
| Core capital (leverage) ratio | 11.1321% | 2,279 |
| Tier 1 risk-based capital ratio | 20.0846% | 1,586 |
| Total risk-based capital ratio | 21.2679% | 1,568 |
| Memoranda: | ||
| Average total assets | $169,770,200 | 3,347 |
| Average earning assets | $152,062,400 | 3,409 |
| Average equity | $24,207,400 | 2,737 |
| Average total loans | $54,603,200 | 4,670 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5307% | 5,320 |
| Cost of funding earning assets | 0.7448% | 914 |
| Net interest margin | 2.7859% | 5,890 |
| Noninterest income to average assets | 0.3471% | 4,665 |
| Noninterest expense to average assets | 1.9852% | 5,795 |
| Loan and lease loss provision to assets | 0.0787% | 2,769 |
| Net operating income to assets | 0.6207% | 4,353 |
| Return on assets (ROA) | 0.8430% | 3,308 |
| Pretax return on assets | 1.0548% | 3,362 |
| Return on Equity (ROE) | 5.9209% | 4,274 |
| Retained earnings to average equity (ytd only) | 2.6039% | 4,734 |
| Net charge-offs to loans | 0.0770% | 3,099 |
| Credit loss provision to net charge-offs | 312.5000% | 882 |
| Earnings coverage of net charge-offs (x) | 33.9653% | 1,265 |
| Efficiency ratio | 64.5331% | 4,461 |
| Assets per employee ($millions) | 6.7812% | 879 |
| Cash dividends to net income (ytd only)* | 56.0226% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2573% | 872 |
| Loan loss allowance to noncurrent loans | 56.2377% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 2,550 |
| Noncurrent loans to loans | 4.0138% | 527 |
| Net loans and leases to total assets | 29.2454% | 6,279 |
| Net loans and leases to deposits | 35.3776% | 6,261 |
| Net loans and leases to core deposits | 40.9404% | 6,153 |
| Total domestic deposits to total assets | 82.6663% | 4,247 |
| Equity capital to assets | 14.2971% | 911 |
| Core capital (leverage) ratio | 11.1036% | 2,395 |
| Tier 1 risk-based capital ratio | 20.2022% | 1,618 |
| Total risk-based capital ratio | 21.4516% | 1,583 |
| Memoranda: | ||
| Average total assets | $169,386,000 | 3,374 |
| Average earning assets | $151,617,750 | 3,438 |
| Average equity | $24,117,250 | 2,750 |
| Average total loans | $55,395,250 | 4,677 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,995 |
| Cost of funding earning assets | 0.7297% | 1,023 |
| Net interest margin | 2.9241% | 5,686 |
| Noninterest income to average assets | 0.3307% | 4,773 |
| Noninterest expense to average assets | 1.9877% | 5,858 |
| Loan and lease loss provision to assets | 0.1181% | 2,073 |
| Net operating income to assets | 0.6632% | 4,027 |
| Return on assets (ROA) | 0.9165% | 2,824 |
| Pretax return on assets | 1.1716% | 2,792 |
| Return on Equity (ROE) | 6.4460% | 3,912 |
| Retained earnings to average equity (ytd only) | 3.9540% | 3,665 |
| Net charge-offs to loans | 0.1089% | 2,582 |
| Credit loss provision to net charge-offs | 322.5806% | 809 |
| Earnings coverage of net charge-offs (x) | 26.3548% | 1,376 |
| Efficiency ratio | 62.1600% | 4,985 |
| Assets per employee ($millions) | 6.9029% | 838 |
| Cash dividends to net income (ytd only)* | 38.6598% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1211% | 1,142 |
| Loan loss allowance to noncurrent loans | 55.6041% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1943% | 2,698 |
| Noncurrent loans to loans | 3.8146% | 650 |
| Net loans and leases to total assets | 30.6438% | 6,286 |
| Net loans and leases to deposits | 37.1834% | 6,256 |
| Net loans and leases to core deposits | 42.9500% | 6,115 |
| Total domestic deposits to total assets | 82.4127% | 4,501 |
| Equity capital to assets | 14.1413% | 917 |
| Core capital (leverage) ratio | 11.0517% | 2,368 |
| Tier 1 risk-based capital ratio | 19.8816% | 1,712 |
| Total risk-based capital ratio | 21.1290% | 1,682 |
| Memoranda: | ||
| Average total assets | $169,337,670 | 3,389 |
| Average earning assets | $151,840,670 | 3,450 |
| Average equity | $24,077,000 | 2,747 |
| Average total loans | $56,952,000 | 4,656 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 5,180 |
| Cost of funding earning assets | 0.7224% | 1,113 |
| Net interest margin | 2.8738% | 5,803 |
| Noninterest income to average assets | 0.3220% | 4,791 |
| Noninterest expense to average assets | 2.0153% | 5,858 |
| Loan and lease loss provision to assets | 0.1431% | 1,702 |
| Net operating income to assets | 0.6010% | 4,197 |
| Return on assets (ROA) | 0.7155% | 3,688 |
| Pretax return on assets | 0.8967% | 3,708 |
| Return on Equity (ROE) | 5.0181% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.0181% | 3,104 |
| Net charge-offs to loans | 0.2739% | 1,251 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 1,936 |
| Efficiency ratio | 63.9640% | 4,864 |
| Assets per employee ($millions) | 6.2470% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8611% | 1,866 |
| Loan loss allowance to noncurrent loans | 49.1928% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 2,669 |
| Noncurrent loans to loans | 3.7833% | 742 |
| Net loans and leases to total assets | 34.2958% | 6,167 |
| Net loans and leases to deposits | 41.0305% | 6,129 |
| Net loans and leases to core deposits | 46.8882% | 5,939 |
| Total domestic deposits to total assets | 83.5861% | 4,425 |
| Equity capital to assets | 14.3198% | 825 |
| Core capital (leverage) ratio | 11.1280% | 2,276 |
| Tier 1 risk-based capital ratio | 19.0253% | 1,959 |
| Total risk-based capital ratio | 20.1817% | 1,949 |
| Memoranda: | ||
| Average total assets | $167,720,000 | 3,439 |
| Average earning assets | $151,159,000 | 3,485 |
| Average equity | $23,913,500 | 2,765 |
| Average total loans | $58,413,500 | 4,638 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7498% | 4,975 |
| Cost of funding earning assets | 0.7030% | 1,792 |
| Net interest margin | 3.0467% | 5,456 |
| Noninterest income to average assets | 0.3305% | 4,970 |
| Noninterest expense to average assets | 1.9727% | 6,073 |
| Loan and lease loss provision to assets | 0.3062% | 1,091 |
| Net operating income to assets | 0.6989% | 3,799 |
| Return on assets (ROA) | 0.6994% | 3,885 |
| Pretax return on assets | 0.8060% | 4,121 |
| Return on Equity (ROE) | 4.8332% | 4,700 |
| Retained earnings to average equity (ytd only) | -0.0778% | 5,882 |
| Net charge-offs to loans | 0.2393% | 2,542 |
| Credit loss provision to net charge-offs | 371.9424% | 617 |
| Earnings coverage of net charge-offs (x) | 13.5036% | 2,017 |
| Efficiency ratio | 59.0054% | 5,605 |
| Assets per employee ($millions) | 6.1767% | 1,157 |
| Cash dividends to net income (ytd only)* | 101.6088% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 1,891 |
| Loan loss allowance to noncurrent loans | 89.3035% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 4,071 |
| Noncurrent loans to loans | 2.0835% | 1,901 |
| Net loans and leases to total assets | 34.0627% | 6,297 |
| Net loans and leases to deposits | 40.5139% | 6,283 |
| Net loans and leases to core deposits | 46.4983% | 6,112 |
| Total domestic deposits to total assets | 84.0765% | 4,135 |
| Equity capital to assets | 14.1954% | 852 |
| Core capital (leverage) ratio | 10.9573% | 2,431 |
| Tier 1 risk-based capital ratio | 18.8050% | 1,979 |
| Total risk-based capital ratio | 19.9490% | 1,975 |
| Memoranda: | ||
| Average total assets | $168,850,600 | 3,427 |
| Average earning assets | $152,622,400 | 3,462 |
| Average equity | $24,435,000 | 2,686 |
| Average total loans | $58,089,800 | 4,685 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 5,165 |
| Cost of funding earning assets | 0.6942% | 1,991 |
| Net interest margin | 3.0074% | 5,572 |
| Noninterest income to average assets | 0.3464% | 4,918 |
| Noninterest expense to average assets | 1.9279% | 6,141 |
| Loan and lease loss provision to assets | 0.2047% | 1,774 |
| Net operating income to assets | 0.7787% | 3,468 |
| Return on assets (ROA) | 0.7793% | 3,589 |
| Pretax return on assets | 0.9328% | 3,751 |
| Return on Equity (ROE) | 5.3602% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.1116% | 5,053 |
| Net charge-offs to loans | 0.2408% | 2,369 |
| Credit loss provision to net charge-offs | 247.6190% | 997 |
| Earnings coverage of net charge-offs (x) | 13.7521% | 2,000 |
| Efficiency ratio | 57.9502% | 5,692 |
| Assets per employee ($millions) | 6.1120% | 1,162 |
| Cash dividends to net income (ytd only)* | 60.6059% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 3,515 |
| Loan loss allowance to noncurrent loans | 71.3450% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 0.9071% | 3,866 |
| Noncurrent loans to loans | 2.0799% | 2,153 |
| Net loans and leases to total assets | 34.3568% | 6,346 |
| Net loans and leases to deposits | 41.7307% | 6,323 |
| Net loans and leases to core deposits | 47.9901% | 6,127 |
| Total domestic deposits to total assets | 82.3298% | 4,814 |
| Equity capital to assets | 14.7882% | 753 |
| Core capital (leverage) ratio | 11.2045% | 2,297 |
| Tier 1 risk-based capital ratio | 19.3447% | 1,896 |
| Total risk-based capital ratio | 20.2588% | 1,946 |
| Memoranda: | ||
| Average total assets | $169,370,250 | 3,458 |
| Average earning assets | $153,082,750 | 3,481 |
| Average equity | $24,625,250 | 2,695 |
| Average total loans | $58,141,250 | 4,721 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6562% | 5,272 |
| Cost of funding earning assets | 0.6824% | 2,205 |
| Net interest margin | 2.9738% | 5,634 |
| Noninterest income to average assets | 0.3337% | 5,027 |
| Noninterest expense to average assets | 1.9049% | 6,211 |
| Loan and lease loss provision to assets | 0.2166% | 1,754 |
| Net operating income to assets | 0.7880% | 3,363 |
| Return on assets (ROA) | 0.7880% | 3,526 |
| Pretax return on assets | 0.9062% | 3,883 |
| Return on Equity (ROE) | 5.4496% | 4,489 |
| Retained earnings to average equity (ytd only) | 3.0204% | 4,399 |
| Net charge-offs to loans | 0.1234% | 3,142 |
| Credit loss provision to net charge-offs | 513.8889% | 539 |
| Earnings coverage of net charge-offs (x) | 26.6389% | 1,237 |
| Efficiency ratio | 57.9273% | 5,741 |
| Assets per employee ($millions) | 6.2470% | 1,051 |
| Cash dividends to net income (ytd only)* | 44.5765% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 3,777 |
| Loan loss allowance to noncurrent loans | 58.4425% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 4,091 |
| Noncurrent loans to loans | 2.4954% | 1,856 |
| Net loans and leases to total assets | 33.9715% | 6,413 |
| Net loans and leases to deposits | 41.6699% | 6,342 |
| Net loans and leases to core deposits | 47.0393% | 6,177 |
| Total domestic deposits to total assets | 81.5252% | 5,209 |
| Equity capital to assets | 14.3685% | 854 |
| Core capital (leverage) ratio | 11.0677% | 2,292 |
| Tier 1 risk-based capital ratio | 19.3844% | 1,886 |
| Total risk-based capital ratio | 20.2970% | 1,948 |
| Memoranda: | ||
| Average total assets | $170,819,000 | 3,448 |
| Average earning assets | $154,751,670 | 3,483 |
| Average equity | $24,699,000 | 2,698 |
| Average total loans | $58,338,000 | 4,730 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6696% | 5,252 |
| Cost of funding earning assets | 0.6672% | 2,507 |
| Net interest margin | 3.0024% | 5,563 |
| Noninterest income to average assets | 0.3002% | 5,297 |
| Noninterest expense to average assets | 1.8802% | 6,305 |
| Loan and lease loss provision to assets | 0.2560% | 1,390 |
| Net operating income to assets | 0.8028% | 3,148 |
| Return on assets (ROA) | 0.8028% | 3,282 |
| Pretax return on assets | 0.8866% | 3,810 |
| Return on Equity (ROE) | 5.5353% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.5353% | 2,934 |
| Net charge-offs to loans | -0.0821% | 6,361 |
| Credit loss provision to net charge-offs | -916.6667% | 5,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2748% | 5,925 |
| Assets per employee ($millions) | 6.5663% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 4,071 |
| Loan loss allowance to noncurrent loans | 61.4521% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 4,417 |
| Noncurrent loans to loans | 2.3362% | 2,240 |
| Net loans and leases to total assets | 33.0153% | 6,465 |
| Net loans and leases to deposits | 39.6758% | 6,435 |
| Net loans and leases to core deposits | 44.7089% | 6,277 |
| Total domestic deposits to total assets | 83.2127% | 4,788 |
| Equity capital to assets | 14.6775% | 832 |
| Core capital (leverage) ratio | 11.0363% | 2,231 |
| Tier 1 risk-based capital ratio | 19.4154% | 1,936 |
| Total risk-based capital ratio | 20.3039% | 2,005 |
| Memoranda: | ||
| Average total assets | $171,894,500 | 3,471 |
| Average earning assets | $155,875,500 | 3,503 |
| Average equity | $24,931,000 | 2,712 |
| Average total loans | $58,433,500 | 4,762 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 6,000 |
| Cost of funding earning assets | 0.7674% | 2,942 |
| Net interest margin | 2.9608% | 6,122 |
| Noninterest income to average assets | 0.2629% | 5,582 |
| Noninterest expense to average assets | 1.7365% | 6,690 |
| Loan and lease loss provision to assets | 0.5037% | 1,178 |
| Net operating income to assets | 0.5962% | 4,258 |
| Return on assets (ROA) | 0.6583% | 4,213 |
| Pretax return on assets | 0.7756% | 4,387 |
| Return on Equity (ROE) | 4.6381% | 4,865 |
| Retained earnings to average equity (ytd only) | -0.9500% | 6,008 |
| Net charge-offs to loans | 1.9397% | 383 |
| Credit loss provision to net charge-offs | 81.8600% | 3,770 |
| Earnings coverage of net charge-offs (x) | 1.9604% | 4,440 |
| Efficiency ratio | 54.0431% | 6,265 |
| Assets per employee ($millions) | 6.6563% | 920 |
| Cash dividends to net income (ytd only)* | 120.4819% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 5,254 |
| Loan loss allowance to noncurrent loans | 63.0298% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 4,829 |
| Noncurrent loans to loans | 1.8582% | 2,849 |
| Net loans and leases to total assets | 34.0808% | 6,541 |
| Net loans and leases to deposits | 42.2238% | 6,453 |
| Net loans and leases to core deposits | 46.2481% | 6,357 |
| Total domestic deposits to total assets | 80.7148% | 5,478 |
| Equity capital to assets | 14.3322% | 927 |
| Core capital (leverage) ratio | 10.5867% | 2,671 |
| Tier 1 risk-based capital ratio | 18.6095% | 2,070 |
| Total risk-based capital ratio | 19.3505% | 2,201 |
| Memoranda: | ||
| Average total assets | $176,503,800 | 3,354 |
| Average earning assets | $159,755,400 | 3,381 |
| Average equity | $25,053,600 | 2,652 |
| Average total loans | $55,987,400 | 4,865 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 6,085 |
| Cost of funding earning assets | 0.7868% | 3,055 |
| Net interest margin | 2.9840% | 6,197 |
| Noninterest income to average assets | 0.2563% | 5,728 |
| Noninterest expense to average assets | 1.6914% | 6,795 |
| Loan and lease loss provision to assets | 0.1579% | 3,540 |
| Net operating income to assets | 0.8896% | 3,037 |
| Return on assets (ROA) | 0.9134% | 3,142 |
| Pretax return on assets | 1.1336% | 3,216 |
| Return on Equity (ROE) | 6.4499% | 4,093 |
| Retained earnings to average equity (ytd only) | 0.8759% | 5,816 |
| Net charge-offs to loans | 0.1550% | 3,876 |
| Credit loss provision to net charge-offs | 328.1250% | 818 |
| Earnings coverage of net charge-offs (x) | 26.2347% | 1,220 |
| Efficiency ratio | 52.3543% | 6,423 |
| Assets per employee ($millions) | 6.7666% | 830 |
| Cash dividends to net income (ytd only)* | 86.4200% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 3,001 |
| Loan loss allowance to noncurrent loans | 47.3421% | 5,263 |
| Noncurrent assets plus other real estate owned to assets | 1.3136% | 3,669 |
| Noncurrent loans to loans | 3.6728% | 1,460 |
| Net loans and leases to total assets | 33.4703% | 6,684 |
| Net loans and leases to deposits | 41.5614% | 6,618 |
| Net loans and leases to core deposits | 45.3436% | 6,547 |
| Total domestic deposits to total assets | 80.5323% | 5,503 |
| Equity capital to assets | 14.4976% | 972 |
| Core capital (leverage) ratio | 10.5737% | 2,829 |
| Tier 1 risk-based capital ratio | 18.8421% | 2,058 |
| Total risk-based capital ratio | 19.9382% | 2,071 |
| Memoranda: | ||
| Average total assets | $177,363,500 | 3,389 |
| Average earning assets | $160,315,250 | 3,411 |
| Average equity | $25,116,000 | 2,673 |
| Average total loans | $55,064,000 | 4,948 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 6,176 |
| Cost of funding earning assets | 0.7980% | 3,208 |
| Net interest margin | 2.9873% | 6,271 |
| Noninterest income to average assets | 0.2688% | 5,654 |
| Noninterest expense to average assets | 1.6734% | 6,861 |
| Loan and lease loss provision to assets | 0.1462% | 3,691 |
| Net operating income to assets | 0.9168% | 2,824 |
| Return on assets (ROA) | 0.9267% | 3,039 |
| Pretax return on assets | 1.1561% | 3,091 |
| Return on Equity (ROE) | 6.5957% | 3,994 |
| Retained earnings to average equity (ytd only) | 0.9926% | 5,680 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5750% | 6,534 |
| Assets per employee ($millions) | 6.9480% | 744 |
| Cash dividends to net income (ytd only)* | 84.9515% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 2,495 |
| Loan loss allowance to noncurrent loans | 45.7016% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 3,643 |
| Noncurrent loans to loans | 4.1934% | 1,305 |
| Net loans and leases to total assets | 29.0676% | 6,895 |
| Net loans and leases to deposits | 35.7366% | 6,885 |
| Net loans and leases to core deposits | 38.9136% | 6,831 |
| Total domestic deposits to total assets | 81.3383% | 5,352 |
| Equity capital to assets | 13.9520% | 1,113 |
| Core capital (leverage) ratio | 10.3834% | 2,940 |
| Tier 1 risk-based capital ratio | 19.9707% | 1,708 |
| Total risk-based capital ratio | 21.1199% | 1,703 |
| Memoranda: | ||
| Average total assets | $177,840,670 | 3,392 |
| Average earning assets | $160,410,330 | 3,419 |
| Average equity | $24,986,000 | 2,671 |
| Average total loans | $53,443,000 | 5,051 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 5,915 |
| Cost of funding earning assets | 0.8117% | 3,374 |
| Net interest margin | 3.1313% | 5,953 |
| Noninterest income to average assets | 0.2584% | 5,795 |
| Noninterest expense to average assets | 1.6799% | 6,918 |
| Loan and lease loss provision to assets | 0.2040% | 2,909 |
| Net operating income to assets | 0.9773% | 2,569 |
| Return on assets (ROA) | 0.9975% | 2,680 |
| Pretax return on assets | 1.2242% | 2,819 |
| Return on Equity (ROE) | 7.0748% | 3,745 |
| Retained earnings to average equity (ytd only) | 1.4471% | 5,511 |
| Net charge-offs to loans | -0.0375% | 6,431 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7794% | 6,685 |
| Assets per employee ($millions) | 6.9675% | 764 |
| Cash dividends to net income (ytd only)* | 79.5455% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8023% | 2,987 |
| Loan loss allowance to noncurrent loans | 182.5046% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 5,891 |
| Noncurrent loans to loans | 0.9876% | 4,697 |
| Net loans and leases to total assets | 29.8047% | 6,915 |
| Net loans and leases to deposits | 35.8224% | 6,899 |
| Net loans and leases to core deposits | 38.7391% | 6,861 |
| Total domestic deposits to total assets | 83.2012% | 4,845 |
| Equity capital to assets | 13.7782% | 1,101 |
| Core capital (leverage) ratio | 10.6841% | 2,565 |
| Tier 1 risk-based capital ratio | 19.4998% | 1,841 |
| Total risk-based capital ratio | 20.5883% | 1,855 |
| Memoranda: | ||
| Average total assets | $176,437,000 | 3,432 |
| Average earning assets | $159,165,500 | 3,452 |
| Average equity | $24,877,000 | 2,672 |
| Average total loans | $53,396,500 | 5,091 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 6,555 |
| Cost of funding earning assets | 1.0499% | 3,016 |
| Net interest margin | 2.8923% | 6,703 |
| Noninterest income to average assets | 0.2809% | 5,520 |
| Noninterest expense to average assets | 1.8388% | 6,910 |
| Loan and lease loss provision to assets | 0.3439% | 2,945 |
| Net operating income to assets | 0.5852% | 4,075 |
| Return on assets (ROA) | 0.5852% | 4,255 |
| Pretax return on assets | 0.7041% | 4,311 |
| Return on Equity (ROE) | 4.1633% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.1633% | 3,215 |
| Net charge-offs to loans | 0.0844% | 5,479 |
| Credit loss provision to net charge-offs | 1,475.0000% | 150 |
| Earnings coverage of net charge-offs (x) | 44.9500% | 610 |
| Efficiency ratio | 58.4898% | 5,989 |
| Assets per employee ($millions) | 6.6045% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 3,094 |
| Loan loss allowance to noncurrent loans | 142.9027% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 5,812 |
| Noncurrent loans to loans | 1.2102% | 4,350 |
| Net loans and leases to total assets | 29.6492% | 7,023 |
| Net loans and leases to deposits | 35.6969% | 7,010 |
| Net loans and leases to core deposits | 38.1205% | 7,000 |
| Total domestic deposits to total assets | 83.0583% | 4,725 |
| Equity capital to assets | 14.4388% | 917 |
| Core capital (leverage) ratio | 10.6540% | 2,561 |
| Tier 1 risk-based capital ratio | 20.8998% | 1,436 |
| Total risk-based capital ratio | 21.9625% | 1,447 |
| Memoranda: | ||
| Average total assets | $171,576,800 | 3,463 |
| Average earning assets | $154,582,400 | 3,498 |
| Average equity | $24,115,200 | 2,657 |
| Average total loans | $47,384,800 | 5,367 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 6,634 |
| Cost of funding earning assets | 1.0970% | 2,998 |
| Net interest margin | 2.8715% | 6,796 |
| Noninterest income to average assets | 0.2829% | 5,580 |
| Noninterest expense to average assets | 1.8118% | 6,983 |
| Loan and lease loss provision to assets | 0.1438% | 4,644 |
| Net operating income to assets | 0.7485% | 3,388 |
| Return on assets (ROA) | 0.7485% | 3,550 |
| Pretax return on assets | 0.9133% | 3,709 |
| Return on Equity (ROE) | 5.3621% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.3621% | 2,942 |
| Net charge-offs to loans | 0.1268% | 4,778 |
| Credit loss provision to net charge-offs | 420.4545% | 672 |
| Earnings coverage of net charge-offs (x) | 30.9066% | 917 |
| Efficiency ratio | 57.9247% | 6,019 |
| Assets per employee ($millions) | 6.9261% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,340 |
| Loan loss allowance to noncurrent loans | 91.5414% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 6,048 |
| Noncurrent loans to loans | 1.0745% | 4,764 |
| Net loans and leases to total assets | 28.3137% | 7,137 |
| Net loans and leases to deposits | 35.2467% | 7,095 |
| Net loans and leases to core deposits | 37.4056% | 7,091 |
| Total domestic deposits to total assets | 80.3301% | 5,641 |
| Equity capital to assets | 14.3757% | 1,031 |
| Core capital (leverage) ratio | 10.5260% | 2,839 |
| Tier 1 risk-based capital ratio | 21.8890% | 1,309 |
| Total risk-based capital ratio | 22.4968% | 1,389 |
| Memoranda: | ||
| Average total assets | $171,541,500 | 3,491 |
| Average earning assets | $154,482,000 | 3,522 |
| Average equity | $23,945,500 | 2,678 |
| Average total loans | $46,278,750 | 5,459 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 6,727 |
| Cost of funding earning assets | 1.1645% | 2,812 |
| Net interest margin | 2.7930% | 6,933 |
| Noninterest income to average assets | 0.2772% | 5,666 |
| Noninterest expense to average assets | 1.8549% | 7,006 |
| Loan and lease loss provision to assets | 0.1637% | 4,293 |
| Net operating income to assets | 0.6725% | 3,677 |
| Return on assets (ROA) | 0.6725% | 3,795 |
| Pretax return on assets | 0.7719% | 4,133 |
| Return on Equity (ROE) | 4.8667% | 4,515 |
| Retained earnings to average equity (ytd only) | 4.8667% | 3,078 |
| Net charge-offs to loans | 0.0044% | 5,817 |
| Credit loss provision to net charge-offs | 14,000.0000% | 22 |
| Earnings coverage of net charge-offs (x) | 800.0000% | 35 |
| Efficiency ratio | 61.0645% | 5,720 |
| Assets per employee ($millions) | 6.1948% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,348 |
| Loan loss allowance to noncurrent loans | 66.2568% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 5,892 |
| Noncurrent loans to loans | 1.5061% | 4,160 |
| Net loans and leases to total assets | 27.7407% | 7,248 |
| Net loans and leases to deposits | 33.9203% | 7,224 |
| Net loans and leases to core deposits | 36.2106% | 7,215 |
| Total domestic deposits to total assets | 81.7818% | 5,244 |
| Equity capital to assets | 13.9225% | 1,121 |
| Core capital (leverage) ratio | 10.2323% | 2,999 |
| Tier 1 risk-based capital ratio | 21.1428% | 1,395 |
| Total risk-based capital ratio | 21.7422% | 1,489 |
| Memoranda: | ||
| Average total assets | $171,004,330 | 3,513 |
| Average earning assets | $153,884,000 | 3,564 |
| Average equity | $23,630,000 | 2,684 |
| Average total loans | $45,200,670 | 5,547 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 6,809 |
| Cost of funding earning assets | 1.2432% | 2,549 |
| Net interest margin | 2.6673% | 7,051 |
| Noninterest income to average assets | 0.2686% | 5,748 |
| Noninterest expense to average assets | 1.8542% | 7,066 |
| Loan and lease loss provision to assets | 0.1555% | 4,078 |
| Net operating income to assets | 0.5537% | 4,260 |
| Return on assets (ROA) | 0.5537% | 4,343 |
| Pretax return on assets | 0.6550% | 4,474 |
| Return on Equity (ROE) | 4.0222% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.0222% | 3,758 |
| Net charge-offs to loans | -0.0092% | 6,349 |
| Credit loss provision to net charge-offs | -6,600.0000% | 6,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9257% | 5,374 |
| Assets per employee ($millions) | 6.3573% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 6,622 |
| Loan loss allowance to noncurrent loans | 53.4282% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 6,054 |
| Noncurrent loans to loans | 1.7411% | 3,900 |
| Net loans and leases to total assets | 25.6245% | 7,348 |
| Net loans and leases to deposits | 30.9098% | 7,344 |
| Net loans and leases to core deposits | 32.8231% | 7,332 |
| Total domestic deposits to total assets | 82.9011% | 4,966 |
| Equity capital to assets | 13.6920% | 1,112 |
| Core capital (leverage) ratio | 10.2314% | 2,892 |
| Tier 1 risk-based capital ratio | 22.0046% | 1,225 |
| Total risk-based capital ratio | 22.5479% | 1,320 |
| Memoranda: | ||
| Average total assets | $169,780,000 | 3,560 |
| Average earning assets | $152,514,000 | 3,600 |
| Average equity | $23,370,500 | 2,703 |
| Average total loans | $43,500,000 | 5,682 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 7,066 |
| Cost of funding earning assets | 1.5005% | 2,629 |
| Net interest margin | 2.5804% | 7,223 |
| Noninterest income to average assets | 0.3177% | 5,518 |
| Noninterest expense to average assets | 1.9330% | 7,111 |
| Loan and lease loss provision to assets | 0.1634% | 5,581 |
| Net operating income to assets | 0.4848% | 4,172 |
| Return on assets (ROA) | 0.4848% | 4,323 |
| Pretax return on assets | 0.5366% | 4,510 |
| Return on Equity (ROE) | 3.4960% | 4,757 |
| Retained earnings to average equity (ytd only) | 3.4960% | 3,420 |
| Net charge-offs to loans | -0.0830% | 7,487 |
| Credit loss provision to net charge-offs | -874.1935% | 7,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5063% | 4,667 |
| Assets per employee ($millions) | 6.4582% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 6,940 |
| Loan loss allowance to noncurrent loans | 44.0764% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4824% | 6,065 |
| Noncurrent loans to loans | 1.8426% | 3,760 |
| Net loans and leases to total assets | 25.1662% | 7,450 |
| Net loans and leases to deposits | 30.3403% | 7,453 |
| Net loans and leases to core deposits | 32.4440% | 7,444 |
| Total domestic deposits to total assets | 82.9464% | 4,817 |
| Equity capital to assets | 13.8400% | 1,086 |
| Core capital (leverage) ratio | 10.3327% | 2,738 |
| Tier 1 risk-based capital ratio | 22.1080% | 1,160 |
| Total risk-based capital ratio | 22.5731% | 1,249 |
| Memoranda: | ||
| Average total assets | $165,856,400 | 3,607 |
| Average earning assets | $148,814,600 | 3,648 |
| Average equity | $22,997,600 | 2,761 |
| Average total loans | $37,361,800 | 6,047 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 7,168 |
| Cost of funding earning assets | 1.5413% | 2,719 |
| Net interest margin | 2.5874% | 7,324 |
| Noninterest income to average assets | 0.3193% | 5,597 |
| Noninterest expense to average assets | 1.7926% | 7,333 |
| Loan and lease loss provision to assets | 0.1597% | 5,442 |
| Net operating income to assets | 0.6451% | 3,676 |
| Return on assets (ROA) | 0.6451% | 3,843 |
| Pretax return on assets | 0.6887% | 4,269 |
| Return on Equity (ROE) | 4.6503% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.6503% | 3,226 |
| Net charge-offs to loans | -0.1368% | 7,588 |
| Credit loss provision to net charge-offs | -535.1351% | 7,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9847% | 5,624 |
| Assets per employee ($millions) | 6.3778% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 7,238 |
| Loan loss allowance to noncurrent loans | 38.0109% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4607% | 6,273 |
| Noncurrent loans to loans | 1.7784% | 3,978 |
| Net loans and leases to total assets | 24.7211% | 7,557 |
| Net loans and leases to deposits | 30.8578% | 7,550 |
| Net loans and leases to core deposits | 32.4872% | 7,553 |
| Total domestic deposits to total assets | 80.1130% | 5,668 |
| Equity capital to assets | 14.0982% | 1,139 |
| Core capital (leverage) ratio | 10.4708% | 2,713 |
| Tier 1 risk-based capital ratio | 22.2411% | 1,173 |
| Total risk-based capital ratio | 22.6194% | 1,280 |
| Memoranda: | ||
| Average total assets | $165,342,500 | 3,663 |
| Average earning assets | $148,355,250 | 3,715 |
| Average equity | $22,937,250 | 2,814 |
| Average total loans | $36,051,500 | 6,201 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 7,292 |
| Cost of funding earning assets | 1.5779% | 2,787 |
| Net interest margin | 2.5128% | 7,412 |
| Noninterest income to average assets | 0.3366% | 5,459 |
| Noninterest expense to average assets | 1.7823% | 7,406 |
| Loan and lease loss provision to assets | 0.1780% | 5,091 |
| Net operating income to assets | 0.5691% | 4,002 |
| Return on assets (ROA) | 0.5691% | 4,147 |
| Pretax return on assets | 0.6284% | 4,481 |
| Return on Equity (ROE) | 4.1246% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.1246% | 3,446 |
| Net charge-offs to loans | -0.2215% | 7,656 |
| Credit loss provision to net charge-offs | -386.8421% | 6,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8157% | 5,554 |
| Assets per employee ($millions) | 6.2795% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 7,414 |
| Loan loss allowance to noncurrent loans | 29.2465% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 6,214 |
| Noncurrent loans to loans | 2.0568% | 3,647 |
| Net loans and leases to total assets | 23.1766% | 7,651 |
| Net loans and leases to deposits | 28.5041% | 7,657 |
| Net loans and leases to core deposits | 30.0525% | 7,656 |
| Total domestic deposits to total assets | 81.3099% | 5,288 |
| Equity capital to assets | 14.1540% | 1,117 |
| Core capital (leverage) ratio | 10.1156% | 3,043 |
| Tier 1 risk-based capital ratio | 23.1658% | 1,043 |
| Total risk-based capital ratio | 23.4968% | 1,142 |
| Memoranda: | ||
| Average total assets | $165,182,670 | 3,688 |
| Average earning assets | $148,043,670 | 3,738 |
| Average equity | $22,790,330 | 2,824 |
| Average total loans | $34,311,330 | 6,316 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 7,503 |
| Cost of funding earning assets | 1.6040% | 2,938 |
| Net interest margin | 2.3333% | 7,575 |
| Noninterest income to average assets | 0.3419% | 5,405 |
| Noninterest expense to average assets | 1.7527% | 7,521 |
| Loan and lease loss provision to assets | 0.2335% | 4,170 |
| Net operating income to assets | 0.3419% | 5,120 |
| Return on assets (ROA) | 0.3419% | 5,243 |
| Pretax return on assets | 0.4430% | 5,154 |
| Return on Equity (ROE) | 2.5098% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.5098% | 4,631 |
| Net charge-offs to loans | -0.1233% | 7,558 |
| Credit loss provision to net charge-offs | -970.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8077% | 5,162 |
| Assets per employee ($millions) | 6.5894% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4499% | 7,643 |
| Loan loss allowance to noncurrent loans | 20.9722% | 6,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4383% | 6,373 |
| Noncurrent loans to loans | 2.1450% | 3,591 |
| Net loans and leases to total assets | 20.2842% | 7,780 |
| Net loans and leases to deposits | 24.6961% | 7,797 |
| Net loans and leases to core deposits | 26.2416% | 7,785 |
| Total domestic deposits to total assets | 82.1354% | 5,018 |
| Equity capital to assets | 13.7792% | 1,213 |
| Core capital (leverage) ratio | 10.0252% | 3,140 |
| Tier 1 risk-based capital ratio | 23.7992% | 983 |
| Total risk-based capital ratio | 24.0287% | 1,082 |
| Memoranda: | ||
| Average total assets | $166,140,000 | 3,730 |
| Average earning assets | $148,629,500 | 3,784 |
| Average equity | $22,631,000 | 2,859 |
| Average total loans | $32,432,500 | 6,489 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 7,639 |
| Cost of funding earning assets | 1.7092% | 4,455 |
| Net interest margin | 2.4163% | 7,497 |
| Noninterest income to average assets | 0.2608% | 6,247 |
| Noninterest expense to average assets | 1.6343% | 7,747 |
| Loan and lease loss provision to assets | 0.1349% | 6,292 |
| Net operating income to assets | 0.6304% | 3,216 |
| Return on assets (ROA) | 0.6304% | 3,277 |
| Pretax return on assets | 0.7437% | 3,432 |
| Return on Equity (ROE) | 5.1195% | 3,619 |
| Retained earnings to average equity (ytd only) | -27.9431% | 7,342 |
| Net charge-offs to loans | 0.2711% | 4,924 |
| Credit loss provision to net charge-offs | 246.5116% | 1,443 |
| Earnings coverage of net charge-offs (x) | 16.0581% | 1,273 |
| Efficiency ratio | 61.7722% | 6,196 |
| Assets per employee ($millions) | 6.9811% | 803 |
| Cash dividends to net income (ytd only)* | 645.8123% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1406% | 7,903 |
| Loan loss allowance to noncurrent loans | 6.1538% | 7,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 6,393 |
| Noncurrent loans to loans | 2.2844% | 3,303 |
| Net loans and leases to total assets | 18.6546% | 7,876 |
| Net loans and leases to deposits | 22.6614% | 7,895 |
| Net loans and leases to core deposits | 32.4431% | 7,852 |
| Total domestic deposits to total assets | 82.3189% | 4,808 |
| Equity capital to assets | 13.4667% | 1,337 |
| Core capital (leverage) ratio | 10.3449% | 2,746 |
| Tier 1 risk-based capital ratio | 23.5850% | 986 |
| Total risk-based capital ratio | 23.6521% | 1,084 |
| Memoranda: | ||
| Average total assets | $157,196,000 | 3,829 |
| Average earning assets | $146,505,200 | 3,774 |
| Average equity | $19,357,200 | 3,298 |
| Average total loans | $31,724,400 | 6,538 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 7,701 |
| Cost of funding earning assets | 1.7212% | 4,798 |
| Net interest margin | 2.5186% | 7,440 |
| Noninterest income to average assets | 0.2285% | 6,587 |
| Noninterest expense to average assets | 1.5281% | 7,877 |
| Loan and lease loss provision to assets | 0.1311% | 6,044 |
| Net operating income to assets | 0.7649% | 2,963 |
| Return on assets (ROA) | 0.7649% | 3,026 |
| Pretax return on assets | 0.9417% | 3,090 |
| Return on Equity (ROE) | 6.3734% | 3,363 |
| Retained earnings to average equity (ytd only) | -39.6130% | 7,743 |
| Net charge-offs to loans | 0.2974% | 4,169 |
| Credit loss provision to net charge-offs | 214.0845% | 2,053 |
| Earnings coverage of net charge-offs (x) | 17.5220% | 1,398 |
| Efficiency ratio | 56.6313% | 6,917 |
| Assets per employee ($millions) | 6.7923% | 863 |
| Cash dividends to net income (ytd only)* | 721.5315% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0303% | 8,018 |
| Loan loss allowance to noncurrent loans | 1.3314% | 7,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 5,942 |
| Noncurrent loans to loans | 2.2738% | 3,302 |
| Net loans and leases to total assets | 19.0247% | 7,960 |
| Net loans and leases to deposits | 23.1540% | 7,976 |
| Net loans and leases to core deposits | 33.2587% | 7,929 |
| Total domestic deposits to total assets | 82.1659% | 4,604 |
| Equity capital to assets | 12.7004% | 1,831 |
| Core capital (leverage) ratio | 9.9442% | 3,345 |
| Tier 1 risk-based capital ratio | 27.0677% | 742 |
| Total risk-based capital ratio | 27.0836% | 812 |
| Memoranda: | ||
| Average total assets | $154,608,500 | 3,900 |
| Average earning assets | $145,632,750 | 3,803 |
| Average equity | $18,555,750 | 3,441 |
| Average total loans | $31,830,750 | 6,574 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3563% | 7,748 |
| Cost of funding earning assets | 1.6603% | 5,470 |
| Net interest margin | 2.6960% | 7,208 |
| Noninterest income to average assets | 0.2272% | 6,661 |
| Noninterest expense to average assets | 1.5097% | 7,967 |
| Loan and lease loss provision to assets | 0.1973% | 5,082 |
| Net operating income to assets | 0.8529% | 2,640 |
| Return on assets (ROA) | 0.8529% | 2,743 |
| Pretax return on assets | 1.0917% | 2,668 |
| Return on Equity (ROE) | 7.2487% | 3,089 |
| Retained earnings to average equity (ytd only) | -63.3629% | 7,991 |
| Net charge-offs to loans | 0.4304% | 3,081 |
| Credit loss provision to net charge-offs | 217.1429% | 2,118 |
| Earnings coverage of net charge-offs (x) | 14.1857% | 1,675 |
| Efficiency ratio | 53.9425% | 7,339 |
| Assets per employee ($millions) | 7.0238% | 769 |
| Cash dividends to net income (ytd only)* | 974.1248% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 1,710 |
| Loan loss allowance to noncurrent loans | 96.0064% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 5,912 |
| Noncurrent loans to loans | 2.0151% | 3,494 |
| Net loans and leases to total assets | 20.6544% | 8,030 |
| Net loans and leases to deposits | 24.4732% | 8,041 |
| Net loans and leases to core deposits | 34.3244% | 8,000 |
| Total domestic deposits to total assets | 84.3958% | 3,562 |
| Equity capital to assets | 9.6835% | 4,374 |
| Core capital (leverage) ratio | 8.9667% | 4,689 |
| Tier 1 risk-based capital ratio | 27.3372% | 757 |
| Total risk-based capital ratio | 28.5303% | 743 |
| Memoranda: | ||
| Average total assets | $154,070,330 | 3,936 |
| Average earning assets | $146,960,000 | 3,799 |
| Average equity | $18,127,330 | 3,532 |
| Average total loans | $32,531,000 | 6,588 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 7,778 |
| Cost of funding earning assets | 1.6434% | 5,844 |
| Net interest margin | 2.7825% | 7,030 |
| Noninterest income to average assets | 0.2161% | 6,746 |
| Noninterest expense to average assets | 1.2939% | 8,078 |
| Loan and lease loss provision to assets | 0.3050% | 3,508 |
| Net operating income to assets | 0.9710% | 2,436 |
| Return on assets (ROA) | 0.9710% | 2,559 |
| Pretax return on assets | 1.2685% | 2,380 |
| Return on Equity (ROE) | 7.6211% | 3,322 |
| Retained earnings to average equity (ytd only) | 7.6211% | 1,966 |
| Net charge-offs to loans | 0.0241% | 5,213 |
| Credit loss provision to net charge-offs | 6,000.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 309.5000% | 131 |
| Efficiency ratio | 45.1241% | 7,887 |
| Assets per employee ($millions) | 7.4220% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 1,518 |
| Loan loss allowance to noncurrent loans | 67.2650% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 5,662 |
| Noncurrent loans to loans | 2.9047% | 2,252 |
| Net loans and leases to total assets | 20.5084% | 8,077 |
| Net loans and leases to deposits | 25.5874% | 8,086 |
| Net loans and leases to core deposits | 32.8882% | 8,061 |
| Total domestic deposits to total assets | 80.1505% | 5,310 |
| Equity capital to assets | 13.1070% | 1,699 |
| Core capital (leverage) ratio | 12.8995% | 1,518 |
| Tier 1 risk-based capital ratio | 37.7185% | 365 |
| Total risk-based capital ratio | 38.9262% | 359 |
| Memoranda: | ||
| Average total assets | $157,356,000 | 3,876 |
| Average earning assets | $149,936,500 | 3,755 |
| Average equity | $20,049,500 | 3,253 |
| Average total loans | $33,263,500 | 6,577 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0511% | 7,806 |
| Cost of funding earning assets | 2.0995% | 6,055 |
| Net interest margin | 2.9516% | 7,024 |
| Noninterest income to average assets | 0.2543% | 6,630 |
| Noninterest expense to average assets | 1.4808% | 8,043 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1952% | 1,787 |
| Return on assets (ROA) | 1.1952% | 1,718 |
| Pretax return on assets | 1.5843% | 1,435 |
| Return on Equity (ROE) | 9.6194% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.6194% | 506 |
| Net charge-offs to loans | 0.3666% | 3,000 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 18.5469% | 1,697 |
| Efficiency ratio | 48.3126% | 7,779 |
| Assets per employee ($millions) | 7.5642% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 2,541 |
| Loan loss allowance to noncurrent loans | 53.5604% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 5,364 |
| Noncurrent loans to loans | 2.8563% | 1,894 |
| Net loans and leases to total assets | 21.0300% | 8,141 |
| Net loans and leases to deposits | 27.4159% | 8,144 |
| Net loans and leases to core deposits | 35.4406% | 8,110 |
| Total domestic deposits to total assets | 76.7074% | 6,068 |
| Equity capital to assets | 12.3828% | 2,072 |
| Core capital (leverage) ratio | 12.9099% | 1,574 |
| Tier 1 risk-based capital ratio | 36.1553% | 416 |
| Total risk-based capital ratio | 37.1169% | 417 |
| Memoranda: | ||
| Average total assets | $149,848,400 | 3,901 |
| Average earning assets | $142,700,800 | 3,791 |
| Average equity | $18,618,600 | 3,457 |
| Average total loans | $34,918,800 | 6,434 |