Home > Bank of Lincoln County > Performance and Condition Ratios
Bank of Lincoln County, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0645% | 584 |
| Cost of funding earning assets | 1.3305% | 2,424 |
| Net interest margin | 4.7340% | 456 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.7896% | 1,535 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.5110% | 1,000 |
| Return on assets (ROA) | 1.5110% | 970 |
| Pretax return on assets | 2.0302% | 638 |
| Return on Equity (ROE) | 13.2700% | 1,657 |
| Retained earnings to average equity (ytd only) | 7.1522% | 1,850 |
| Net charge-offs to loans | -0.0188% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.4782% | 3,347 |
| Assets per employee ($millions) | 5.3609% | 3,349 |
| Cash dividends to net income (ytd only)* | 46.0935% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 3,513 |
| Loan loss allowance to noncurrent loans | 355.0369% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 2,278 |
| Noncurrent loans to loans | 0.2691% | 2,222 |
| Net loans and leases to total assets | 69.8600% | 1,828 |
| Net loans and leases to deposits | 78.9613% | 2,191 |
| Net loans and leases to core deposits | 90.6663% | 2,006 |
| Total domestic deposits to total assets | 88.4700% | 1,216 |
| Equity capital to assets | 10.9175% | 1,515 |
| Core capital (leverage) ratio | 13.3265% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $193,973,600 | 3,023 |
| Average earning assets | $179,109,200 | 3,015 |
| Average equity | $22,091,200 | 2,689 |
| Average total loans | $143,900,200 | 2,727 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9778% | 546 |
| Cost of funding earning assets | 1.1847% | 2,477 |
| Net interest margin | 4.7931% | 413 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.9101% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4713% | 1,187 |
| Return on assets (ROA) | 1.4713% | 1,170 |
| Pretax return on assets | 1.9965% | 753 |
| Return on Equity (ROE) | 12.7700% | 1,948 |
| Retained earnings to average equity (ytd only) | 8.0079% | 1,962 |
| Net charge-offs to loans | -0.0197% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.3094% | 3,045 |
| Assets per employee ($millions) | 4.5806% | 3,891 |
| Cash dividends to net income (ytd only)* | 37.2841% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9114% | 3,689 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 77.8300% | 903 |
| Net loans and leases to deposits | 88.4828% | 1,343 |
| Net loans and leases to core deposits | 101.9329% | 1,219 |
| Total domestic deposits to total assets | 87.9600% | 1,588 |
| Equity capital to assets | 11.2594% | 1,252 |
| Core capital (leverage) ratio | 13.0176% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $188,858,000 | 3,070 |
| Average earning assets | $173,995,000 | 3,068 |
| Average equity | $21,761,250 | 2,703 |
| Average total loans | $142,062,250 | 2,750 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7698% | 577 |
| Cost of funding earning assets | 1.0159% | 2,546 |
| Net interest margin | 4.7538% | 426 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.9212% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4246% | 1,270 |
| Return on assets (ROA) | 1.4246% | 1,253 |
| Pretax return on assets | 1.9500% | 805 |
| Return on Equity (ROE) | 12.2600% | 2,075 |
| Retained earnings to average equity (ytd only) | 5.5220% | 2,775 |
| Net charge-offs to loans | -0.0232% | 4,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.9691% | 2,963 |
| Assets per employee ($millions) | 4.5229% | 3,937 |
| Cash dividends to net income (ytd only)* | 54.9774% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 3,579 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 76.5000% | 1,000 |
| Net loans and leases to deposits | 87.1631% | 1,415 |
| Net loans and leases to core deposits | 98.8342% | 1,300 |
| Total domestic deposits to total assets | 87.7600% | 1,691 |
| Equity capital to assets | 11.5686% | 1,185 |
| Core capital (leverage) ratio | 13.1066% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $186,155,667 | 3,095 |
| Average earning assets | $171,272,000 | 3,093 |
| Average equity | $21,622,667 | 2,730 |
| Average total loans | $137,846,333 | 2,794 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 860 |
| Cost of funding earning assets | 0.8304% | 2,596 |
| Net interest margin | 4.4385% | 642 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.9069% | 1,218 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4198% | 1,352 |
| Return on assets (ROA) | 1.4198% | 1,327 |
| Pretax return on assets | 1.9886% | 795 |
| Return on Equity (ROE) | 12.2000% | 2,166 |
| Retained earnings to average equity (ytd only) | -1.2870% | 4,152 |
| Net charge-offs to loans | -0.0240% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.3792% | 3,038 |
| Assets per employee ($millions) | 4.3079% | 4,123 |
| Cash dividends to net income (ytd only)* | 110.5505% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,220 |
| Loan loss allowance to noncurrent loans | 47,266.6667% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 3,912 |
| Noncurrent loans to loans | 0.0023% | 3,849 |
| Net loans and leases to total assets | 70.9800% | 1,526 |
| Net loans and leases to deposits | 80.9849% | 1,750 |
| Net loans and leases to core deposits | 88.6754% | 1,693 |
| Total domestic deposits to total assets | 87.6400% | 2,046 |
| Equity capital to assets | 11.6477% | 1,106 |
| Core capital (leverage) ratio | 12.8419% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $184,252,500 | 3,146 |
| Average earning assets | $169,065,000 | 3,156 |
| Average equity | $21,446,000 | 2,761 |
| Average total loans | $133,409,500 | 2,868 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0056% | 294 |
| Cost of funding earning assets | 0.4924% | 1,446 |
| Net interest margin | 4.5132% | 289 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.7280% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3538% | 1,270 |
| Return on assets (ROA) | 1.3433% | 1,259 |
| Pretax return on assets | 1.7896% | 755 |
| Return on Equity (ROE) | 11.8200% | 2,207 |
| Retained earnings to average equity (ytd only) | 6.4475% | 2,466 |
| Net charge-offs to loans | -0.0196% | 4,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.2085% | 3,033 |
| Assets per employee ($millions) | 4.2620% | 4,164 |
| Cash dividends to net income (ytd only)* | 45.4366% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,466 |
| Loan loss allowance to noncurrent loans | 11,328.5714% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 3,828 |
| Noncurrent loans to loans | 0.0105% | 3,767 |
| Net loans and leases to total assets | 72.2100% | 1,395 |
| Net loans and leases to deposits | 81.9453% | 1,617 |
| Net loans and leases to core deposits | 87.6670% | 1,634 |
| Total domestic deposits to total assets | 88.1200% | 2,029 |
| Equity capital to assets | 11.6311% | 1,039 |
| Core capital (leverage) ratio | 12.9724% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $188,417,600 | 3,119 |
| Average earning assets | $168,969,200 | 3,165 |
| Average equity | $21,419,200 | 2,821 |
| Average total loans | $127,785,600 | 2,850 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 279 |
| Cost of funding earning assets | 0.4895% | 790 |
| Net interest margin | 4.3201% | 326 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.6939% | 1,486 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2257% | 1,606 |
| Return on assets (ROA) | 1.2257% | 1,576 |
| Pretax return on assets | 1.6566% | 989 |
| Return on Equity (ROE) | 10.8400% | 2,448 |
| Retained earnings to average equity (ytd only) | 6.4536% | 2,572 |
| Net charge-offs to loans | -0.0169% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.9225% | 2,838 |
| Assets per employee ($millions) | 4.3507% | 4,155 |
| Cash dividends to net income (ytd only)* | 40.4817% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,470 |
| Loan loss allowance to noncurrent loans | 10,513.3333% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 3,920 |
| Noncurrent loans to loans | 0.0115% | 3,857 |
| Net loans and leases to total assets | 68.7400% | 1,589 |
| Net loans and leases to deposits | 77.6861% | 1,742 |
| Net loans and leases to core deposits | 83.1442% | 1,707 |
| Total domestic deposits to total assets | 88.4900% | 2,277 |
| Equity capital to assets | 11.1247% | 1,136 |
| Core capital (leverage) ratio | 12.6099% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $189,705,250 | 3,130 |
| Average earning assets | $169,405,500 | 3,181 |
| Average equity | $21,445,000 | 2,860 |
| Average total loans | $126,251,500 | 2,867 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 259 |
| Cost of funding earning assets | 0.5070% | 500 |
| Net interest margin | 4.1869% | 345 |
| Noninterest income to average assets | 0.4838% | 2,289 |
| Noninterest expense to average assets | 2.6393% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1428% | 1,623 |
| Return on assets (ROA) | 1.1428% | 1,602 |
| Pretax return on assets | 1.5626% | 1,025 |
| Return on Equity (ROE) | 10.0573% | 2,312 |
| Retained earnings to average equity (ytd only) | 3.9158% | 3,115 |
| Net charge-offs to loans | -0.0224% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8122% | 2,941 |
| Assets per employee ($millions) | 4.4636% | 4,100 |
| Cash dividends to net income (ytd only)* | 61.0652% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 2,581 |
| Loan loss allowance to noncurrent loans | 19,687.5000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,012 |
| Noncurrent loans to loans | 0.0062% | 3,949 |
| Net loans and leases to total assets | 67.9730% | 1,479 |
| Net loans and leases to deposits | 76.7996% | 1,627 |
| Net loans and leases to core deposits | 83.2706% | 1,494 |
| Total domestic deposits to total assets | 88.5070% | 2,381 |
| Equity capital to assets | 11.1228% | 1,158 |
| Core capital (leverage) ratio | 12.0735% | 1,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,580,667 | 3,160 |
| Average earning assets | $169,244,000 | 3,224 |
| Average equity | $21,656,000 | 2,931 |
| Average total loans | $124,943,000 | 2,895 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5683% | 274 |
| Cost of funding earning assets | 0.5284% | 426 |
| Net interest margin | 4.0399% | 388 |
| Noninterest income to average assets | 0.4892% | 2,200 |
| Noninterest expense to average assets | 2.6419% | 1,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9910% | 1,911 |
| Return on assets (ROA) | 0.9910% | 1,907 |
| Pretax return on assets | 1.3969% | 1,265 |
| Return on Equity (ROE) | 8.6318% | 2,465 |
| Retained earnings to average equity (ytd only) | -3.0828% | 4,316 |
| Net charge-offs to loans | -0.0163% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4124% | 2,848 |
| Assets per employee ($millions) | 4.5966% | 4,081 |
| Cash dividends to net income (ytd only)* | 135.7143% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.3140% | 1,587 |
| Net loans and leases to deposits | 72.7157% | 1,723 |
| Net loans and leases to core deposits | 78.6522% | 1,567 |
| Total domestic deposits to total assets | 88.4458% | 2,319 |
| Equity capital to assets | 11.1615% | 1,258 |
| Core capital (leverage) ratio | 10.8294% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $192,136,000 | 3,155 |
| Average earning assets | $168,815,000 | 3,236 |
| Average equity | $22,058,000 | 2,983 |
| Average total loans | $122,912,500 | 2,920 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4250% | 141 |
| Cost of funding earning assets | 0.6464% | 429 |
| Net interest margin | 4.7785% | 183 |
| Noninterest income to average assets | 0.4733% | 2,705 |
| Noninterest expense to average assets | 2.5401% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5995% | 805 |
| Return on assets (ROA) | 1.5995% | 840 |
| Pretax return on assets | 2.1546% | 451 |
| Return on Equity (ROE) | 13.9346% | 1,206 |
| Retained earnings to average equity (ytd only) | 8.2598% | 1,439 |
| Net charge-offs to loans | -0.0551% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1058% | 3,917 |
| Assets per employee ($millions) | 4.9030% | 3,817 |
| Cash dividends to net income (ytd only)* | 40.7247% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 61.9906% | 1,943 |
| Net loans and leases to deposits | 70.5269% | 2,070 |
| Net loans and leases to core deposits | 77.0395% | 1,838 |
| Total domestic deposits to total assets | 87.8964% | 2,105 |
| Equity capital to assets | 11.8024% | 1,344 |
| Core capital (leverage) ratio | 11.8609% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,059,800 | 3,144 |
| Average earning assets | $166,138,400 | 3,222 |
| Average equity | $21,586,600 | 3,087 |
| Average total loans | $114,399,800 | 3,004 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 177 |
| Cost of funding earning assets | 0.6672% | 457 |
| Net interest margin | 4.7082% | 222 |
| Noninterest income to average assets | 0.4735% | 2,739 |
| Noninterest expense to average assets | 2.5424% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5364% | 1,179 |
| Return on assets (ROA) | 1.5364% | 1,227 |
| Pretax return on assets | 2.1010% | 671 |
| Return on Equity (ROE) | 13.4822% | 1,549 |
| Retained earnings to average equity (ytd only) | 8.7028% | 1,802 |
| Net charge-offs to loans | -0.0744% | 4,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7531% | 3,696 |
| Assets per employee ($millions) | 4.7689% | 3,913 |
| Cash dividends to net income (ytd only)* | 35.4495% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 2,104 |
| Loan loss allowance to noncurrent loans | 4,727.2727% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 4,088 |
| Noncurrent loans to loans | 0.0292% | 3,989 |
| Net loans and leases to total assets | 58.4050% | 2,437 |
| Net loans and leases to deposits | 66.3639% | 2,597 |
| Net loans and leases to core deposits | 72.5115% | 2,378 |
| Total domestic deposits to total assets | 88.0072% | 1,835 |
| Equity capital to assets | 11.6783% | 1,551 |
| Core capital (leverage) ratio | 11.7337% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,270,750 | 3,185 |
| Average earning assets | $165,863,250 | 3,256 |
| Average equity | $21,341,250 | 3,140 |
| Average total loans | $112,975,500 | 3,068 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 247 |
| Cost of funding earning assets | 0.6907% | 489 |
| Net interest margin | 4.5313% | 335 |
| Noninterest income to average assets | 0.4782% | 2,721 |
| Noninterest expense to average assets | 2.5523% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4293% | 1,488 |
| Return on assets (ROA) | 1.4293% | 1,552 |
| Pretax return on assets | 1.9515% | 913 |
| Return on Equity (ROE) | 12.6490% | 1,838 |
| Retained earnings to average equity (ytd only) | 5.4400% | 3,021 |
| Net charge-offs to loans | -0.0885% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6691% | 3,452 |
| Assets per employee ($millions) | 4.6988% | 3,932 |
| Cash dividends to net income (ytd only)* | 56.9925% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 2,162 |
| Loan loss allowance to noncurrent loans | 4,420.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 4,158 |
| Noncurrent loans to loans | 0.0307% | 4,049 |
| Net loans and leases to total assets | 59.7517% | 2,456 |
| Net loans and leases to deposits | 67.8217% | 2,634 |
| Net loans and leases to core deposits | 76.5342% | 2,192 |
| Total domestic deposits to total assets | 88.1012% | 1,770 |
| Equity capital to assets | 11.4322% | 1,669 |
| Core capital (leverage) ratio | 11.3392% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $186,109,000 | 3,201 |
| Average earning assets | $165,339,333 | 3,265 |
| Average equity | $21,029,333 | 3,160 |
| Average total loans | $112,977,000 | 3,081 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7773% | 504 |
| Cost of funding earning assets | 0.7171% | 514 |
| Net interest margin | 4.0603% | 771 |
| Noninterest income to average assets | 0.4709% | 2,748 |
| Noninterest expense to average assets | 2.3911% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2096% | 2,109 |
| Return on assets (ROA) | 1.2096% | 2,194 |
| Pretax return on assets | 1.6999% | 1,490 |
| Return on Equity (ROE) | 10.7690% | 2,432 |
| Retained earnings to average equity (ytd only) | -3.3076% | 4,616 |
| Net charge-offs to loans | -0.0320% | 4,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4477% | 3,244 |
| Assets per employee ($millions) | 4.7127% | 3,916 |
| Cash dividends to net income (ytd only)* | 130.7143% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,319 |
| Loan loss allowance to noncurrent loans | 4,183.3333% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 4,237 |
| Noncurrent loans to loans | 0.0317% | 4,124 |
| Net loans and leases to total assets | 59.4836% | 2,603 |
| Net loans and leases to deposits | 67.1727% | 2,788 |
| Net loans and leases to core deposits | 75.9898% | 2,355 |
| Total domestic deposits to total assets | 88.5533% | 1,586 |
| Equity capital to assets | 10.9533% | 1,896 |
| Core capital (leverage) ratio | 11.1921% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,188,000 | 3,206 |
| Average earning assets | $165,112,500 | 3,266 |
| Average equity | $20,800,500 | 3,170 |
| Average total loans | $112,540,000 | 3,091 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6180% | 152 |
| Cost of funding earning assets | 0.9416% | 734 |
| Net interest margin | 4.6764% | 225 |
| Noninterest income to average assets | 0.4777% | 2,739 |
| Noninterest expense to average assets | 2.7891% | 1,970 |
| Loan and lease loss provision to assets | 0.0478% | 3,798 |
| Net operating income to assets | 1.4062% | 1,005 |
| Return on assets (ROA) | 1.4062% | 1,089 |
| Pretax return on assets | 1.8988% | 552 |
| Return on Equity (ROE) | 11.6597% | 1,426 |
| Retained earnings to average equity (ytd only) | 8.8192% | 816 |
| Net charge-offs to loans | 0.1067% | 1,405 |
| Credit loss provision to net charge-offs | 64.0000% | 3,071 |
| Earnings coverage of net charge-offs (x) | 26.0480% | 1,726 |
| Efficiency ratio | 58.8941% | 3,601 |
| Assets per employee ($millions) | 4.3302% | 4,086 |
| Cash dividends to net income (ytd only)* | 24.3622% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 2,219 |
| Loan loss allowance to noncurrent loans | 4,045.9459% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,293 |
| Noncurrent loans to loans | 0.0332% | 4,174 |
| Net loans and leases to total assets | 60.4535% | 2,796 |
| Net loans and leases to deposits | 68.6260% | 3,020 |
| Net loans and leases to core deposits | 78.0449% | 2,544 |
| Total domestic deposits to total assets | 88.0913% | 1,430 |
| Equity capital to assets | 11.5211% | 1,868 |
| Core capital (leverage) ratio | 12.2421% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,261,200 | 3,222 |
| Average earning assets | $152,297,200 | 3,244 |
| Average equity | $20,172,000 | 3,176 |
| Average total loans | $117,201,000 | 3,013 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7057% | 152 |
| Cost of funding earning assets | 0.9826% | 806 |
| Net interest margin | 4.7231% | 244 |
| Noninterest income to average assets | 0.4824% | 2,687 |
| Noninterest expense to average assets | 2.8327% | 1,874 |
| Loan and lease loss provision to assets | 0.0489% | 3,742 |
| Net operating income to assets | 1.4033% | 1,094 |
| Return on assets (ROA) | 1.4033% | 1,191 |
| Pretax return on assets | 1.9175% | 608 |
| Return on Equity (ROE) | 11.4931% | 1,518 |
| Retained earnings to average equity (ytd only) | 10.9525% | 586 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0253% | 3,517 |
| Assets per employee ($millions) | 4.3262% | 4,019 |
| Cash dividends to net income (ytd only)* | 4.7038% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 1,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.7207% | 2,675 |
| Net loans and leases to deposits | 73.8373% | 2,974 |
| Net loans and leases to core deposits | 84.3314% | 2,443 |
| Total domestic deposits to total assets | 87.6531% | 1,372 |
| Equity capital to assets | 11.7555% | 1,839 |
| Core capital (leverage) ratio | 11.7250% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,609,750 | 3,233 |
| Average earning assets | $149,531,250 | 3,249 |
| Average equity | $19,976,750 | 3,189 |
| Average total loans | $118,640,750 | 3,007 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9338% | 155 |
| Cost of funding earning assets | 1.0258% | 910 |
| Net interest margin | 4.9081% | 235 |
| Noninterest income to average assets | 0.4666% | 2,731 |
| Noninterest expense to average assets | 2.9304% | 1,763 |
| Loan and lease loss provision to assets | 0.0377% | 3,804 |
| Net operating income to assets | 1.4652% | 984 |
| Return on assets (ROA) | 1.4652% | 1,077 |
| Pretax return on assets | 1.9997% | 545 |
| Return on Equity (ROE) | 11.8362% | 1,372 |
| Retained earnings to average equity (ytd only) | 10.8101% | 636 |
| Net charge-offs to loans | -0.0151% | 4,323 |
| Credit loss provision to net charge-offs | -333.3333% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9873% | 3,554 |
| Assets per employee ($millions) | 4.3324% | 3,973 |
| Cash dividends to net income (ytd only)* | 8.6695% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 1,993 |
| Loan loss allowance to noncurrent loans | 684.4156% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 3,836 |
| Noncurrent loans to loans | 0.1903% | 3,698 |
| Net loans and leases to total assets | 70.9165% | 1,889 |
| Net loans and leases to deposits | 81.2259% | 2,290 |
| Net loans and leases to core deposits | 93.1286% | 1,811 |
| Total domestic deposits to total assets | 87.3078% | 1,494 |
| Equity capital to assets | 12.0163% | 1,647 |
| Core capital (leverage) ratio | 12.1824% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0759% | 1,470 |
| Memoranda: | ||
| Average total assets | $159,022,000 | 3,260 |
| Average earning assets | $145,841,667 | 3,267 |
| Average equity | $19,685,333 | 3,207 |
| Average total loans | $119,388,000 | 2,989 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0496% | 152 |
| Cost of funding earning assets | 1.0809% | 1,103 |
| Net interest margin | 4.9687% | 207 |
| Noninterest income to average assets | 0.5141% | 2,478 |
| Noninterest expense to average assets | 2.9860% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4982% | 786 |
| Return on assets (ROA) | 1.4982% | 863 |
| Pretax return on assets | 2.0876% | 379 |
| Return on Equity (ROE) | 11.9113% | 1,127 |
| Retained earnings to average equity (ytd only) | 11.9113% | 434 |
| Net charge-offs to loans | -0.0372% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8536% | 3,893 |
| Assets per employee ($millions) | 3.7778% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 2,130 |
| Loan loss allowance to noncurrent loans | 2,724.5614% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 4,432 |
| Noncurrent loans to loans | 0.0479% | 4,359 |
| Net loans and leases to total assets | 75.8666% | 1,325 |
| Net loans and leases to deposits | 87.6338% | 1,788 |
| Net loans and leases to core deposits | 102.4838% | 1,289 |
| Total domestic deposits to total assets | 86.5723% | 1,744 |
| Equity capital to assets | 12.7369% | 1,600 |
| Core capital (leverage) ratio | 12.6860% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2740% | 3,279 |
| Memoranda: | ||
| Average total assets | $154,052,000 | 3,274 |
| Average earning assets | $141,365,500 | 3,291 |
| Average equity | $19,376,500 | 3,226 |
| Average total loans | $118,380,500 | 2,973 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0847% | 201 |
| Cost of funding earning assets | 1.0367% | 1,577 |
| Net interest margin | 5.0481% | 244 |
| Noninterest income to average assets | 0.5337% | 2,561 |
| Noninterest expense to average assets | 3.1060% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5581% | 922 |
| Return on assets (ROA) | 1.5581% | 982 |
| Pretax return on assets | 2.1171% | 459 |
| Return on Equity (ROE) | 11.9070% | 1,549 |
| Retained earnings to average equity (ytd only) | 1.5542% | 4,181 |
| Net charge-offs to loans | -0.0280% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4669% | 3,767 |
| Assets per employee ($millions) | 3.8304% | 4,122 |
| Cash dividends to net income (ytd only)* | 86.9470% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 1,870 |
| Loan loss allowance to noncurrent loans | 730.8057% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 3,950 |
| Noncurrent loans to loans | 0.1793% | 3,815 |
| Net loans and leases to total assets | 75.8131% | 1,449 |
| Net loans and leases to deposits | 87.0703% | 1,961 |
| Net loans and leases to core deposits | 100.3976% | 1,529 |
| Total domestic deposits to total assets | 87.0711% | 1,569 |
| Equity capital to assets | 12.4172% | 1,873 |
| Core capital (leverage) ratio | 12.4543% | 1,512 |
| Tier 1 risk-based capital ratio | 10.2633% | 5,079 |
| Total risk-based capital ratio | 11.0998% | 5,107 |
| Memoranda: | ||
| Average total assets | $146,522,000 | 3,338 |
| Average earning assets | $136,111,200 | 3,341 |
| Average equity | $19,173,600 | 3,206 |
| Average total loans | $110,812,200 | 3,073 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0319% | 226 |
| Cost of funding earning assets | 1.0104% | 1,716 |
| Net interest margin | 5.0215% | 275 |
| Noninterest income to average assets | 0.5615% | 2,404 |
| Noninterest expense to average assets | 3.1287% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5363% | 1,103 |
| Return on assets (ROA) | 1.5363% | 1,151 |
| Pretax return on assets | 2.0987% | 550 |
| Return on Equity (ROE) | 11.5835% | 1,768 |
| Retained earnings to average equity (ytd only) | 7.4401% | 1,656 |
| Net charge-offs to loans | -0.0257% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8521% | 3,677 |
| Assets per employee ($millions) | 3.9464% | 3,969 |
| Cash dividends to net income (ytd only)* | 35.7699% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 1,820 |
| Loan loss allowance to noncurrent loans | 1,110.1449% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 4,242 |
| Noncurrent loans to loans | 0.1202% | 4,111 |
| Net loans and leases to total assets | 77.5643% | 1,215 |
| Net loans and leases to deposits | 90.5064% | 1,632 |
| Net loans and leases to core deposits | 105.6512% | 1,206 |
| Total domestic deposits to total assets | 85.7003% | 2,120 |
| Equity capital to assets | 13.5587% | 1,334 |
| Core capital (leverage) ratio | 13.4292% | 1,155 |
| Tier 1 risk-based capital ratio | 15.5261% | 2,634 |
| Total risk-based capital ratio | 16.7373% | 2,579 |
| Memoranda: | ||
| Average total assets | $144,848,750 | 3,399 |
| Average earning assets | $134,591,000 | 3,387 |
| Average equity | $19,210,750 | 3,223 |
| Average total loans | $109,090,500 | 3,136 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8176% | 330 |
| Cost of funding earning assets | 0.9708% | 1,827 |
| Net interest margin | 4.8467% | 374 |
| Noninterest income to average assets | 0.5053% | 2,646 |
| Noninterest expense to average assets | 3.1663% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3056% | 1,747 |
| Return on assets (ROA) | 1.3056% | 1,812 |
| Pretax return on assets | 1.8386% | 959 |
| Return on Equity (ROE) | 9.9185% | 2,432 |
| Retained earnings to average equity (ytd only) | 8.6879% | 1,130 |
| Net charge-offs to loans | -0.0112% | 4,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2642% | 3,246 |
| Assets per employee ($millions) | 3.8964% | 4,001 |
| Cash dividends to net income (ytd only)* | 12.4072% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 1,881 |
| Loan loss allowance to noncurrent loans | 2,050.0000% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 4,515 |
| Noncurrent loans to loans | 0.0649% | 4,388 |
| Net loans and leases to total assets | 75.9258% | 1,563 |
| Net loans and leases to deposits | 88.0598% | 2,004 |
| Net loans and leases to core deposits | 100.1095% | 1,713 |
| Total domestic deposits to total assets | 86.2207% | 1,925 |
| Equity capital to assets | 13.2038% | 1,485 |
| Core capital (leverage) ratio | 13.3283% | 1,177 |
| Tier 1 risk-based capital ratio | 15.3340% | 2,691 |
| Total risk-based capital ratio | 16.5333% | 2,656 |
| Memoranda: | ||
| Average total assets | $144,459,330 | 3,423 |
| Average earning assets | $134,111,000 | 3,421 |
| Average equity | $19,015,000 | 3,244 |
| Average total loans | $107,191,000 | 3,179 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7350% | 344 |
| Cost of funding earning assets | 0.9226% | 1,910 |
| Net interest margin | 4.8124% | 397 |
| Noninterest income to average assets | 0.5299% | 2,384 |
| Noninterest expense to average assets | 3.1740% | 1,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2898% | 1,738 |
| Return on assets (ROA) | 1.2898% | 1,779 |
| Pretax return on assets | 1.8169% | 947 |
| Return on Equity (ROE) | 9.8146% | 2,441 |
| Retained earnings to average equity (ytd only) | 8.6625% | 1,430 |
| Net charge-offs to loans | -0.0424% | 4,784 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5955% | 3,301 |
| Assets per employee ($millions) | 3.8822% | 4,089 |
| Cash dividends to net income (ytd only)* | 11.7391% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,435 |
| Loan loss allowance to noncurrent loans | 11,707.6923% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 4,833 |
| Noncurrent loans to loans | 0.0126% | 4,731 |
| Net loans and leases to total assets | 69.1334% | 2,605 |
| Net loans and leases to deposits | 79.8255% | 2,856 |
| Net loans and leases to core deposits | 89.9303% | 2,512 |
| Total domestic deposits to total assets | 86.6057% | 2,003 |
| Equity capital to assets | 12.8697% | 1,530 |
| Core capital (leverage) ratio | 13.4078% | 1,116 |
| Tier 1 risk-based capital ratio | 16.1577% | 2,370 |
| Total risk-based capital ratio | 17.4077% | 2,329 |
| Memoranda: | ||
| Average total assets | $142,657,500 | 3,495 |
| Average earning assets | $132,241,000 | 3,483 |
| Average equity | $18,747,500 | 3,283 |
| Average total loans | $103,819,000 | 3,258 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8994% | 196 |
| Cost of funding earning assets | 0.6295% | 2,527 |
| Net interest margin | 5.2698% | 170 |
| Noninterest income to average assets | 0.6865% | 1,903 |
| Noninterest expense to average assets | 3.3798% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6976% | 697 |
| Return on assets (ROA) | 1.6953% | 697 |
| Pretax return on assets | 2.1899% | 364 |
| Return on Equity (ROE) | 12.2262% | 1,638 |
| Retained earnings to average equity (ytd only) | -5.4420% | 5,255 |
| Net charge-offs to loans | -0.0029% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6498% | 3,752 |
| Assets per employee ($millions) | 3.6261% | 4,420 |
| Cash dividends to net income (ytd only)* | 144.5109% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,441 |
| Loan loss allowance to noncurrent loans | 12,591.6667% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,823 |
| Noncurrent loans to loans | 0.0115% | 4,753 |
| Net loans and leases to total assets | 74.4727% | 1,850 |
| Net loans and leases to deposits | 86.3400% | 2,232 |
| Net loans and leases to core deposits | 96.1274% | 2,057 |
| Total domestic deposits to total assets | 86.2552% | 2,111 |
| Equity capital to assets | 13.4328% | 1,169 |
| Core capital (leverage) ratio | 13.3151% | 1,138 |
| Tier 1 risk-based capital ratio | 15.7012% | 2,532 |
| Total risk-based capital ratio | 16.9508% | 2,457 |
| Memoranda: | ||
| Average total assets | $138,085,400 | 3,534 |
| Average earning assets | $128,031,000 | 3,527 |
| Average equity | $19,147,400 | 3,167 |
| Average total loans | $104,037,600 | 3,227 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7391% | 243 |
| Cost of funding earning assets | 0.5656% | 2,733 |
| Net interest margin | 5.1735% | 189 |
| Noninterest income to average assets | 0.7276% | 1,759 |
| Noninterest expense to average assets | 3.3979% | 1,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6427% | 855 |
| Return on assets (ROA) | 1.6396% | 871 |
| Pretax return on assets | 2.1279% | 450 |
| Return on Equity (ROE) | 11.7329% | 1,890 |
| Retained earnings to average equity (ytd only) | -2.9349% | 5,249 |
| Net charge-offs to loans | 0.0538% | 2,048 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 52.5939% | 1,140 |
| Efficiency ratio | 61.4485% | 3,590 |
| Assets per employee ($millions) | 3.6676% | 4,349 |
| Cash dividends to net income (ytd only)* | 125.0146% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,712 |
| Loan loss allowance to noncurrent loans | 138.4325% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 1,906 |
| Noncurrent loans to loans | 1.0091% | 1,696 |
| Net loans and leases to total assets | 74.2513% | 1,942 |
| Net loans and leases to deposits | 86.4672% | 2,326 |
| Net loans and leases to core deposits | 96.2078% | 2,099 |
| Total domestic deposits to total assets | 85.8721% | 2,251 |
| Equity capital to assets | 13.6278% | 1,088 |
| Core capital (leverage) ratio | 13.9886% | 940 |
| Tier 1 risk-based capital ratio | 16.0811% | 2,415 |
| Total risk-based capital ratio | 17.3066% | 2,369 |
| Memoranda: | ||
| Average total assets | $138,159,250 | 3,569 |
| Average earning assets | $128,240,500 | 3,556 |
| Average equity | $19,307,000 | 3,178 |
| Average total loans | $104,015,250 | 3,258 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5439% | 302 |
| Cost of funding earning assets | 0.5094% | 2,941 |
| Net interest margin | 5.0345% | 235 |
| Noninterest income to average assets | 0.8319% | 1,379 |
| Noninterest expense to average assets | 3.2652% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6670% | 779 |
| Return on assets (ROA) | 1.6624% | 793 |
| Pretax return on assets | 2.2387% | 361 |
| Return on Equity (ROE) | 11.7970% | 1,804 |
| Retained earnings to average equity (ytd only) | 11.6837% | 564 |
| Net charge-offs to loans | 0.1003% | 1,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 29.7308% | 1,508 |
| Efficiency ratio | 59.2622% | 4,045 |
| Assets per employee ($millions) | 3.6086% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.9607% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 1,901 |
| Loan loss allowance to noncurrent loans | 144.8756% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 2,037 |
| Noncurrent loans to loans | 0.9381% | 1,855 |
| Net loans and leases to total assets | 77.0612% | 1,457 |
| Net loans and leases to deposits | 89.5403% | 1,905 |
| Net loans and leases to core deposits | 99.1443% | 1,804 |
| Total domestic deposits to total assets | 86.0632% | 2,250 |
| Equity capital to assets | 13.5591% | 1,081 |
| Core capital (leverage) ratio | 13.7127% | 989 |
| Tier 1 risk-based capital ratio | 15.5840% | 2,596 |
| Total risk-based capital ratio | 16.7904% | 2,562 |
| Memoranda: | ||
| Average total assets | $137,755,670 | 3,600 |
| Average earning assets | $127,997,330 | 3,589 |
| Average equity | $19,411,670 | 3,178 |
| Average total loans | $103,703,670 | 3,269 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3730% | 352 |
| Cost of funding earning assets | 0.4865% | 2,892 |
| Net interest margin | 4.8866% | 286 |
| Noninterest income to average assets | 0.5736% | 2,398 |
| Noninterest expense to average assets | 3.2331% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3124% | 1,600 |
| Return on assets (ROA) | 1.3124% | 1,608 |
| Pretax return on assets | 1.8512% | 821 |
| Return on Equity (ROE) | 9.1418% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.9198% | 1,480 |
| Net charge-offs to loans | -0.0196% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5897% | 3,545 |
| Assets per employee ($millions) | 3.4039% | 4,789 |
| Cash dividends to net income (ytd only)* | 2.4283% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,555 |
| Loan loss allowance to noncurrent loans | 48.8222% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.2760% | 444 |
| Noncurrent loans to loans | 3.0238% | 396 |
| Net loans and leases to total assets | 74.1607% | 1,832 |
| Net loans and leases to deposits | 87.3131% | 2,012 |
| Net loans and leases to core deposits | 96.5197% | 1,940 |
| Total domestic deposits to total assets | 84.9365% | 2,955 |
| Equity capital to assets | 14.6551% | 738 |
| Core capital (leverage) ratio | 14.8182% | 682 |
| Tier 1 risk-based capital ratio | 17.4310% | 1,997 |
| Total risk-based capital ratio | 18.6821% | 1,950 |
| Memoranda: | ||
| Average total assets | $138,070,500 | 3,635 |
| Average earning assets | $127,451,000 | 3,626 |
| Average equity | $19,821,000 | 3,175 |
| Average total loans | $101,992,000 | 3,325 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5046% | 262 |
| Cost of funding earning assets | 0.5029% | 2,311 |
| Net interest margin | 5.0017% | 238 |
| Noninterest income to average assets | 0.5811% | 2,545 |
| Noninterest expense to average assets | 3.1116% | 1,827 |
| Loan and lease loss provision to assets | 0.0710% | 2,784 |
| Net operating income to assets | 1.3150% | 1,191 |
| Return on assets (ROA) | 1.3150% | 1,206 |
| Pretax return on assets | 2.0339% | 456 |
| Return on Equity (ROE) | 9.6375% | 2,041 |
| Retained earnings to average equity (ytd only) | 7.1331% | 1,029 |
| Net charge-offs to loans | -0.1122% | 5,399 |
| Credit loss provision to net charge-offs | -86.2069% | 4,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6486% | 4,312 |
| Assets per employee ($millions) | 3.9995% | 3,955 |
| Cash dividends to net income (ytd only)* | 25.9860% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 1,452 |
| Loan loss allowance to noncurrent loans | 48.6609% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.2138% | 465 |
| Noncurrent loans to loans | 3.0533% | 360 |
| Net loans and leases to total assets | 71.4282% | 2,314 |
| Net loans and leases to deposits | 83.4910% | 2,553 |
| Net loans and leases to core deposits | 100.0320% | 1,712 |
| Total domestic deposits to total assets | 85.5519% | 2,632 |
| Equity capital to assets | 14.0645% | 891 |
| Core capital (leverage) ratio | 13.8163% | 882 |
| Tier 1 risk-based capital ratio | 16.9392% | 2,118 |
| Total risk-based capital ratio | 18.1909% | 2,055 |
| Memoranda: | ||
| Average total assets | $140,764,800 | 3,602 |
| Average earning assets | $130,454,400 | 3,580 |
| Average equity | $19,206,200 | 3,223 |
| Average total loans | $103,407,000 | 3,293 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4201% | 291 |
| Cost of funding earning assets | 0.4968% | 2,292 |
| Net interest margin | 4.9232% | 264 |
| Noninterest income to average assets | 0.5883% | 2,546 |
| Noninterest expense to average assets | 3.0977% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2845% | 1,388 |
| Return on assets (ROA) | 1.2845% | 1,414 |
| Pretax return on assets | 2.0554% | 488 |
| Return on Equity (ROE) | 9.4868% | 2,357 |
| Retained earnings to average equity (ytd only) | 9.4868% | 711 |
| Net charge-offs to loans | -0.1360% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1138% | 4,193 |
| Assets per employee ($millions) | 3.8962% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,108 |
| Loan loss allowance to noncurrent loans | 42.2356% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 2.3148% | 499 |
| Noncurrent loans to loans | 3.2030% | 369 |
| Net loans and leases to total assets | 70.7140% | 2,456 |
| Net loans and leases to deposits | 82.4367% | 2,730 |
| Net loans and leases to core deposits | 97.9646% | 1,888 |
| Total domestic deposits to total assets | 85.7798% | 2,398 |
| Equity capital to assets | 13.7145% | 1,069 |
| Core capital (leverage) ratio | 13.9569% | 903 |
| Tier 1 risk-based capital ratio | 16.7449% | 2,233 |
| Total risk-based capital ratio | 17.9362% | 2,208 |
| Memoranda: | ||
| Average total assets | $140,960,000 | 3,637 |
| Average earning assets | $130,696,500 | 3,617 |
| Average equity | $19,085,750 | 3,262 |
| Average total loans | $103,884,750 | 3,312 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4833% | 253 |
| Cost of funding earning assets | 0.4967% | 2,186 |
| Net interest margin | 4.9866% | 223 |
| Noninterest income to average assets | 0.5633% | 2,642 |
| Noninterest expense to average assets | 3.1524% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2452% | 1,456 |
| Return on assets (ROA) | 1.2452% | 1,483 |
| Pretax return on assets | 2.0330% | 502 |
| Return on Equity (ROE) | 9.2378% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.2378% | 778 |
| Net charge-offs to loans | -0.0538% | 5,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7940% | 4,196 |
| Assets per employee ($millions) | 3.7884% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,473 |
| Loan loss allowance to noncurrent loans | 488.8889% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5522% | 2,922 |
| Noncurrent loans to loans | 0.2636% | 4,094 |
| Net loans and leases to total assets | 72.1260% | 2,182 |
| Net loans and leases to deposits | 84.0957% | 2,463 |
| Net loans and leases to core deposits | 98.3138% | 1,779 |
| Total domestic deposits to total assets | 85.7666% | 2,492 |
| Equity capital to assets | 13.7868% | 1,050 |
| Core capital (leverage) ratio | 13.7223% | 938 |
| Tier 1 risk-based capital ratio | 16.1567% | 2,442 |
| Total risk-based capital ratio | 17.2696% | 2,438 |
| Memoranda: | ||
| Average total assets | $139,893,000 | 3,668 |
| Average earning assets | $129,666,330 | 3,646 |
| Average equity | $18,857,330 | 3,295 |
| Average total loans | $104,066,330 | 3,315 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4727% | 240 |
| Cost of funding earning assets | 0.4916% | 2,157 |
| Net interest margin | 4.9811% | 231 |
| Noninterest income to average assets | 0.5467% | 2,679 |
| Noninterest expense to average assets | 3.0711% | 1,955 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2021% | 1,501 |
| Return on assets (ROA) | 1.2021% | 1,539 |
| Pretax return on assets | 2.0865% | 422 |
| Return on Equity (ROE) | 9.0209% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.0209% | 1,071 |
| Net charge-offs to loans | -0.0534% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5450% | 4,523 |
| Assets per employee ($millions) | 3.7498% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,905 |
| Loan loss allowance to noncurrent loans | 471.8412% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 2,738 |
| Noncurrent loans to loans | 0.2621% | 4,173 |
| Net loans and leases to total assets | 73.2403% | 1,869 |
| Net loans and leases to deposits | 84.8963% | 2,171 |
| Net loans and leases to core deposits | 98.6129% | 1,613 |
| Total domestic deposits to total assets | 86.2703% | 2,548 |
| Equity capital to assets | 13.2181% | 1,173 |
| Core capital (leverage) ratio | 13.5062% | 975 |
| Tier 1 risk-based capital ratio | 15.6110% | 2,708 |
| Total risk-based capital ratio | 16.7014% | 2,706 |
| Memoranda: | ||
| Average total assets | $139,754,500 | 3,697 |
| Average earning assets | $129,370,000 | 3,682 |
| Average equity | $18,623,500 | 3,333 |
| Average total loans | $104,890,000 | 3,325 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5701% | 228 |
| Cost of funding earning assets | 0.5647% | 1,572 |
| Net interest margin | 5.0055% | 247 |
| Noninterest income to average assets | 0.6723% | 2,306 |
| Noninterest expense to average assets | 3.4509% | 1,254 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1767% | 1,584 |
| Return on assets (ROA) | 1.1772% | 1,678 |
| Pretax return on assets | 1.8569% | 681 |
| Return on Equity (ROE) | 8.6894% | 2,573 |
| Retained earnings to average equity (ytd only) | 5.9767% | 1,715 |
| Net charge-offs to loans | 0.0542% | 2,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 46.0185% | 1,064 |
| Efficiency ratio | 65.0246% | 3,757 |
| Assets per employee ($millions) | 3.4254% | 4,862 |
| Cash dividends to net income (ytd only)* | 31.2183% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,871 |
| Loan loss allowance to noncurrent loans | 587.2727% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.6678% | 2,707 |
| Noncurrent loans to loans | 0.2113% | 4,394 |
| Net loans and leases to total assets | 75.0414% | 1,686 |
| Net loans and leases to deposits | 87.0306% | 2,046 |
| Net loans and leases to core deposits | 95.1754% | 1,992 |
| Total domestic deposits to total assets | 86.2241% | 2,485 |
| Equity capital to assets | 13.4379% | 1,080 |
| Core capital (leverage) ratio | 13.5735% | 946 |
| Tier 1 risk-based capital ratio | 15.3556% | 2,815 |
| Total risk-based capital ratio | 16.4402% | 2,822 |
| Memoranda: | ||
| Average total assets | $133,877,800 | 3,769 |
| Average earning assets | $123,964,400 | 3,752 |
| Average equity | $18,137,000 | 3,384 |
| Average total loans | $99,695,000 | 3,389 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6168% | 214 |
| Cost of funding earning assets | 0.5761% | 1,512 |
| Net interest margin | 5.0407% | 234 |
| Noninterest income to average assets | 0.5730% | 2,792 |
| Noninterest expense to average assets | 3.4742% | 1,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0846% | 2,066 |
| Return on assets (ROA) | 1.0839% | 2,169 |
| Pretax return on assets | 1.7701% | 953 |
| Return on Equity (ROE) | 7.9843% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.9843% | 1,180 |
| Net charge-offs to loans | -0.0460% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2338% | 3,556 |
| Assets per employee ($millions) | 3.6291% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 2,199 |
| Loan loss allowance to noncurrent loans | 1,069.7674% | 552 |
| Noncurrent assets plus other real estate owned to assets | 1.5825% | 1,105 |
| Noncurrent loans to loans | 0.1309% | 4,815 |
| Net loans and leases to total assets | 72.3609% | 2,135 |
| Net loans and leases to deposits | 84.5676% | 2,421 |
| Net loans and leases to core deposits | 92.6987% | 2,316 |
| Total domestic deposits to total assets | 85.5657% | 2,573 |
| Equity capital to assets | 13.8728% | 1,091 |
| Core capital (leverage) ratio | 13.8918% | 884 |
| Tier 1 risk-based capital ratio | 16.2625% | 2,519 |
| Total risk-based capital ratio | 17.4896% | 2,485 |
| Memoranda: | ||
| Average total assets | $133,093,500 | 3,806 |
| Average earning assets | $123,365,500 | 3,792 |
| Average equity | $18,068,250 | 3,417 |
| Average total loans | $98,591,250 | 3,415 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6794% | 195 |
| Cost of funding earning assets | 0.5826% | 1,452 |
| Net interest margin | 5.0968% | 211 |
| Noninterest income to average assets | 0.5757% | 2,749 |
| Noninterest expense to average assets | 3.4409% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0695% | 2,087 |
| Return on assets (ROA) | 1.0686% | 2,212 |
| Pretax return on assets | 1.8403% | 799 |
| Return on Equity (ROE) | 7.9299% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.9299% | 1,191 |
| Net charge-offs to loans | -0.0264% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1355% | 3,822 |
| Assets per employee ($millions) | 3.2647% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 2,409 |
| Loan loss allowance to noncurrent loans | 1,359.0000% | 451 |
| Noncurrent assets plus other real estate owned to assets | 1.8861% | 892 |
| Noncurrent loans to loans | 0.1012% | 5,046 |
| Net loans and leases to total assets | 74.6047% | 1,715 |
| Net loans and leases to deposits | 87.3421% | 2,090 |
| Net loans and leases to core deposits | 97.1481% | 1,876 |
| Total domestic deposits to total assets | 85.4166% | 2,680 |
| Equity capital to assets | 14.0167% | 1,019 |
| Core capital (leverage) ratio | 13.4349% | 1,005 |
| Tier 1 risk-based capital ratio | 15.7825% | 2,746 |
| Total risk-based capital ratio | 16.9936% | 2,697 |
| Memoranda: | ||
| Average total assets | $132,699,000 | 3,833 |
| Average earning assets | $122,547,330 | 3,836 |
| Average equity | $17,881,670 | 3,457 |
| Average total loans | $98,607,000 | 3,428 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6573% | 201 |
| Cost of funding earning assets | 0.5842% | 1,453 |
| Net interest margin | 5.0731% | 217 |
| Noninterest income to average assets | 0.6220% | 2,402 |
| Noninterest expense to average assets | 3.4242% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0886% | 1,948 |
| Return on assets (ROA) | 1.0886% | 2,050 |
| Pretax return on assets | 1.8721% | 733 |
| Return on Equity (ROE) | 8.2397% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.2397% | 1,359 |
| Net charge-offs to loans | -0.0203% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6527% | 4,024 |
| Assets per employee ($millions) | 3.6208% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 2,520 |
| Loan loss allowance to noncurrent loans | 230.9402% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 2.9999% | 418 |
| Noncurrent loans to loans | 0.5971% | 3,389 |
| Net loans and leases to total assets | 72.1193% | 2,018 |
| Net loans and leases to deposits | 83.6876% | 2,342 |
| Net loans and leases to core deposits | 92.7290% | 2,120 |
| Total domestic deposits to total assets | 86.1769% | 2,598 |
| Equity capital to assets | 13.3611% | 1,239 |
| Core capital (leverage) ratio | 12.9787% | 1,169 |
| Tier 1 risk-based capital ratio | 15.2033% | 3,064 |
| Total risk-based capital ratio | 16.3861% | 3,029 |
| Memoranda: | ||
| Average total assets | $133,755,000 | 3,840 |
| Average earning assets | $123,238,500 | 3,843 |
| Average equity | $17,670,500 | 3,479 |
| Average total loans | $98,519,000 | 3,446 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4213% | 308 |
| Cost of funding earning assets | 0.6147% | 1,284 |
| Net interest margin | 4.8066% | 366 |
| Noninterest income to average assets | 0.4252% | 3,852 |
| Noninterest expense to average assets | 3.4009% | 1,486 |
| Loan and lease loss provision to assets | 0.1711% | 1,338 |
| Net operating income to assets | 0.7835% | 3,405 |
| Return on assets (ROA) | 0.7835% | 3,483 |
| Pretax return on assets | 1.2072% | 2,635 |
| Return on Equity (ROE) | 5.9051% | 4,070 |
| Retained earnings to average equity (ytd only) | 3.0844% | 3,862 |
| Net charge-offs to loans | 0.2204% | 1,343 |
| Credit loss provision to net charge-offs | 111.3861% | 2,268 |
| Earnings coverage of net charge-offs (x) | 8.9703% | 2,879 |
| Efficiency ratio | 71.1603% | 3,044 |
| Assets per employee ($millions) | 3.8154% | 4,261 |
| Cash dividends to net income (ytd only)* | 47.7670% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,627 |
| Loan loss allowance to noncurrent loans | 6,730.0000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 2.6225% | 572 |
| Noncurrent loans to loans | 0.0202% | 5,436 |
| Net loans and leases to total assets | 73.1786% | 1,855 |
| Net loans and leases to deposits | 84.3434% | 2,325 |
| Net loans and leases to core deposits | 94.0530% | 2,044 |
| Total domestic deposits to total assets | 86.7627% | 2,248 |
| Equity capital to assets | 13.0606% | 1,319 |
| Core capital (leverage) ratio | 12.8900% | 1,191 |
| Tier 1 risk-based capital ratio | 15.0663% | 3,148 |
| Total risk-based capital ratio | 16.2475% | 3,115 |
| Memoranda: | ||
| Average total assets | $131,466,600 | 3,862 |
| Average earning assets | $119,085,800 | 3,902 |
| Average equity | $17,442,600 | 3,466 |
| Average total loans | $91,640,800 | 3,559 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4048% | 315 |
| Cost of funding earning assets | 0.6197% | 1,280 |
| Net interest margin | 4.7851% | 389 |
| Noninterest income to average assets | 0.4938% | 3,412 |
| Noninterest expense to average assets | 3.3712% | 1,528 |
| Loan and lease loss provision to assets | 0.2291% | 806 |
| Net operating income to assets | 0.7860% | 3,493 |
| Return on assets (ROA) | 0.7860% | 3,582 |
| Pretax return on assets | 1.2096% | 2,786 |
| Return on Equity (ROE) | 5.9010% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.9010% | 2,312 |
| Net charge-offs to loans | 0.3089% | 866 |
| Credit loss provision to net charge-offs | 108.1731% | 2,138 |
| Earnings coverage of net charge-offs (x) | 6.7932% | 3,000 |
| Efficiency ratio | 70.0889% | 3,193 |
| Assets per employee ($millions) | 3.7441% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4484% | 2,376 |
| Loan loss allowance to noncurrent loans | 16,750.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 3.1478% | 458 |
| Noncurrent loans to loans | 0.0086% | 5,609 |
| Net loans and leases to total assets | 69.5789% | 2,452 |
| Net loans and leases to deposits | 80.9415% | 2,770 |
| Net loans and leases to core deposits | 90.5281% | 2,411 |
| Total domestic deposits to total assets | 85.9620% | 2,540 |
| Equity capital to assets | 13.5374% | 1,210 |
| Core capital (leverage) ratio | 13.1934% | 1,139 |
| Tier 1 risk-based capital ratio | 16.5138% | 2,565 |
| Total risk-based capital ratio | 17.7636% | 2,532 |
| Memoranda: | ||
| Average total assets | $130,948,500 | 3,915 |
| Average earning assets | $118,113,500 | 3,958 |
| Average equity | $17,443,000 | 3,492 |
| Average total loans | $89,784,000 | 3,629 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 319 |
| Cost of funding earning assets | 0.6208% | 1,281 |
| Net interest margin | 4.7585% | 390 |
| Noninterest income to average assets | 0.9747% | 1,237 |
| Noninterest expense to average assets | 3.4297% | 1,415 |
| Loan and lease loss provision to assets | 0.3055% | 499 |
| Net operating income to assets | 0.9930% | 2,423 |
| Return on assets (ROA) | 0.9930% | 2,537 |
| Pretax return on assets | 1.5139% | 1,607 |
| Return on Equity (ROE) | 7.4954% | 3,323 |
| Retained earnings to average equity (ytd only) | 7.4954% | 1,480 |
| Net charge-offs to loans | 0.4928% | 505 |
| Credit loss provision to net charge-offs | 91.3242% | 2,182 |
| Earnings coverage of net charge-offs (x) | 5.4384% | 2,922 |
| Efficiency ratio | 65.3376% | 4,123 |
| Assets per employee ($millions) | 3.8269% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 2,584 |
| Loan loss allowance to noncurrent loans | 740.9091% | 726 |
| Noncurrent assets plus other real estate owned to assets | 4.8488% | 240 |
| Noncurrent loans to loans | 0.1937% | 5,002 |
| Net loans and leases to total assets | 68.8445% | 2,511 |
| Net loans and leases to deposits | 79.9466% | 2,789 |
| Net loans and leases to core deposits | 89.1065% | 2,438 |
| Total domestic deposits to total assets | 86.1131% | 2,634 |
| Equity capital to assets | 13.4981% | 1,172 |
| Core capital (leverage) ratio | 13.1341% | 1,122 |
| Tier 1 risk-based capital ratio | 16.2263% | 2,746 |
| Total risk-based capital ratio | 17.4480% | 2,709 |
| Memoranda: | ||
| Average total assets | $130,916,670 | 3,948 |
| Average earning assets | $117,599,670 | 3,997 |
| Average equity | $17,344,000 | 3,519 |
| Average total loans | $88,872,330 | 3,666 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 356 |
| Cost of funding earning assets | 0.6168% | 1,326 |
| Net interest margin | 4.6770% | 429 |
| Noninterest income to average assets | 1.2184% | 760 |
| Noninterest expense to average assets | 3.4359% | 1,430 |
| Loan and lease loss provision to assets | 0.4569% | 235 |
| Net operating income to assets | 1.2001% | 1,547 |
| Return on assets (ROA) | 1.2001% | 1,645 |
| Pretax return on assets | 1.5291% | 1,466 |
| Return on Equity (ROE) | 9.1444% | 2,384 |
| Retained earnings to average equity (ytd only) | 9.1444% | 1,150 |
| Net charge-offs to loans | 0.4598% | 541 |
| Credit loss provision to net charge-offs | 148.5149% | 1,260 |
| Earnings coverage of net charge-offs (x) | 6.4554% | 2,289 |
| Efficiency ratio | 63.3708% | 4,577 |
| Assets per employee ($millions) | 3.6837% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 2,267 |
| Loan loss allowance to noncurrent loans | 187.4317% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 5.1918% | 231 |
| Noncurrent loans to loans | 0.8231% | 3,187 |
| Net loans and leases to total assets | 66.0244% | 2,761 |
| Net loans and leases to deposits | 76.3363% | 3,016 |
| Net loans and leases to core deposits | 84.8569% | 2,676 |
| Total domestic deposits to total assets | 86.4915% | 2,670 |
| Equity capital to assets | 13.1495% | 1,330 |
| Core capital (leverage) ratio | 12.9662% | 1,166 |
| Tier 1 risk-based capital ratio | 17.6324% | 2,262 |
| Total risk-based capital ratio | 18.8847% | 2,220 |
| Memoranda: | ||
| Average total assets | $131,317,500 | 3,965 |
| Average earning assets | $118,023,500 | 4,016 |
| Average equity | $17,234,500 | 3,560 |
| Average total loans | $87,868,000 | 3,707 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6064% | 269 |
| Cost of funding earning assets | 0.6793% | 1,210 |
| Net interest margin | 4.9271% | 339 |
| Noninterest income to average assets | 0.6780% | 2,411 |
| Noninterest expense to average assets | 3.2573% | 2,049 |
| Loan and lease loss provision to assets | 0.3806% | 485 |
| Net operating income to assets | 0.9188% | 2,783 |
| Return on assets (ROA) | 0.9188% | 2,881 |
| Pretax return on assets | 1.4228% | 1,804 |
| Return on Equity (ROE) | 7.0898% | 3,580 |
| Retained earnings to average equity (ytd only) | 4.8783% | 2,695 |
| Net charge-offs to loans | 0.5994% | 661 |
| Credit loss provision to net charge-offs | 93.6902% | 2,561 |
| Earnings coverage of net charge-offs (x) | 4.4398% | 3,651 |
| Efficiency ratio | 64.3646% | 4,541 |
| Assets per employee ($millions) | 3.6117% | 4,699 |
| Cash dividends to net income (ytd only)* | 31.1919% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 2,370 |
| Loan loss allowance to noncurrent loans | 198.6486% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 5.7352% | 212 |
| Noncurrent loans to loans | 0.7672% | 3,398 |
| Net loans and leases to total assets | 65.7458% | 2,934 |
| Net loans and leases to deposits | 75.8462% | 3,216 |
| Net loans and leases to core deposits | 83.4960% | 2,953 |
| Total domestic deposits to total assets | 86.6830% | 2,464 |
| Equity capital to assets | 13.0986% | 1,316 |
| Core capital (leverage) ratio | 12.7069% | 1,249 |
| Tier 1 risk-based capital ratio | 15.9694% | 2,975 |
| Total risk-based capital ratio | 17.2205% | 2,918 |
| Memoranda: | ||
| Average total assets | $128,757,200 | 3,998 |
| Average earning assets | $114,529,800 | 4,082 |
| Average equity | $16,686,000 | 3,577 |
| Average total loans | $87,255,200 | 3,692 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6186% | 267 |
| Cost of funding earning assets | 0.6909% | 1,195 |
| Net interest margin | 4.9277% | 338 |
| Noninterest income to average assets | 0.8439% | 1,730 |
| Noninterest expense to average assets | 3.2398% | 2,054 |
| Loan and lease loss provision to assets | 0.4048% | 416 |
| Net operating income to assets | 0.9145% | 2,840 |
| Return on assets (ROA) | 0.9145% | 2,945 |
| Pretax return on assets | 1.5747% | 1,406 |
| Return on Equity (ROE) | 7.0763% | 3,673 |
| Retained earnings to average equity (ytd only) | 7.0763% | 1,780 |
| Net charge-offs to loans | 0.4593% | 850 |
| Credit loss provision to net charge-offs | 129.5681% | 1,779 |
| Earnings coverage of net charge-offs (x) | 6.3356% | 3,099 |
| Efficiency ratio | 62.0724% | 4,875 |
| Assets per employee ($millions) | 3.6021% | 4,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 2,159 |
| Loan loss allowance to noncurrent loans | 382.2751% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 4.9816% | 348 |
| Noncurrent loans to loans | 0.4294% | 4,619 |
| Net loans and leases to total assets | 66.7679% | 2,727 |
| Net loans and leases to deposits | 77.3959% | 3,017 |
| Net loans and leases to core deposits | 84.9526% | 2,781 |
| Total domestic deposits to total assets | 86.2681% | 2,721 |
| Equity capital to assets | 13.1690% | 1,347 |
| Core capital (leverage) ratio | 12.9177% | 1,218 |
| Tier 1 risk-based capital ratio | 16.2270% | 2,941 |
| Total risk-based capital ratio | 17.4796% | 2,895 |
| Memoranda: | ||
| Average total assets | $128,441,000 | 4,035 |
| Average earning assets | $114,046,250 | 4,127 |
| Average equity | $16,599,750 | 3,603 |
| Average total loans | $87,367,250 | 3,722 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6024% | 263 |
| Cost of funding earning assets | 0.7074% | 1,155 |
| Net interest margin | 4.8951% | 348 |
| Noninterest income to average assets | 0.9810% | 1,255 |
| Noninterest expense to average assets | 3.2883% | 1,947 |
| Loan and lease loss provision to assets | 0.3905% | 432 |
| Net operating income to assets | 0.9545% | 2,532 |
| Return on assets (ROA) | 0.9545% | 2,623 |
| Pretax return on assets | 1.6371% | 1,167 |
| Return on Equity (ROE) | 7.4328% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.4328% | 1,550 |
| Net charge-offs to loans | 0.7298% | 521 |
| Credit loss provision to net charge-offs | 78.6164% | 2,348 |
| Earnings coverage of net charge-offs (x) | 4.0818% | 3,179 |
| Efficiency ratio | 61.8572% | 5,033 |
| Assets per employee ($millions) | 3.5499% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 3,160 |
| Loan loss allowance to noncurrent loans | 150.2917% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 5.2224% | 332 |
| Noncurrent loans to loans | 0.9557% | 3,335 |
| Net loans and leases to total assets | 69.1634% | 2,207 |
| Net loans and leases to deposits | 80.0449% | 2,509 |
| Net loans and leases to core deposits | 88.2169% | 2,290 |
| Total domestic deposits to total assets | 86.4057% | 2,817 |
| Equity capital to assets | 13.1506% | 1,291 |
| Core capital (leverage) ratio | 12.7943% | 1,241 |
| Tier 1 risk-based capital ratio | 15.8064% | 3,190 |
| Total risk-based capital ratio | 17.0428% | 3,133 |
| Memoranda: | ||
| Average total assets | $128,029,330 | 4,072 |
| Average earning assets | $113,379,330 | 4,156 |
| Average equity | $16,440,670 | 3,626 |
| Average total loans | $87,147,330 | 3,738 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4912% | 293 |
| Cost of funding earning assets | 0.7281% | 1,085 |
| Net interest margin | 4.7630% | 409 |
| Noninterest income to average assets | 0.6898% | 2,224 |
| Noninterest expense to average assets | 3.3774% | 1,759 |
| Loan and lease loss provision to assets | 0.1561% | 1,553 |
| Net operating income to assets | 0.7741% | 3,286 |
| Return on assets (ROA) | 0.7741% | 3,367 |
| Pretax return on assets | 1.3422% | 1,945 |
| Return on Equity (ROE) | 6.1016% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.1016% | 2,484 |
| Net charge-offs to loans | 1.5603% | 203 |
| Credit loss provision to net charge-offs | 14.9254% | 2,562 |
| Earnings coverage of net charge-offs (x) | 1.4328% | 3,097 |
| Efficiency ratio | 69.2702% | 3,952 |
| Assets per employee ($millions) | 3.8224% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 4,462 |
| Loan loss allowance to noncurrent loans | 35.3795% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 8.3787% | 155 |
| Noncurrent loans to loans | 3.4879% | 837 |
| Net loans and leases to total assets | 66.0190% | 2,560 |
| Net loans and leases to deposits | 75.9451% | 2,817 |
| Net loans and leases to core deposits | 83.2919% | 2,603 |
| Total domestic deposits to total assets | 86.9299% | 2,858 |
| Equity capital to assets | 12.6192% | 1,511 |
| Core capital (leverage) ratio | 12.6175% | 1,333 |
| Tier 1 risk-based capital ratio | 15.4254% | 3,482 |
| Total risk-based capital ratio | 16.4521% | 3,567 |
| Memoranda: | ||
| Average total assets | $128,146,000 | 4,099 |
| Average earning assets | $112,617,000 | 4,203 |
| Average equity | $16,258,000 | 3,655 |
| Average total loans | $85,883,000 | 3,797 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5321% | 344 |
| Cost of funding earning assets | 0.8150% | 1,124 |
| Net interest margin | 4.7170% | 500 |
| Noninterest income to average assets | 0.5036% | 3,728 |
| Noninterest expense to average assets | 3.3663% | 1,960 |
| Loan and lease loss provision to assets | 0.3779% | 812 |
| Net operating income to assets | 0.5936% | 4,292 |
| Return on assets (ROA) | 0.5936% | 4,406 |
| Pretax return on assets | 0.8823% | 3,837 |
| Return on Equity (ROE) | 4.8254% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.0496% | 3,309 |
| Net charge-offs to loans | 0.0633% | 4,330 |
| Credit loss provision to net charge-offs | 974.0000% | 266 |
| Earnings coverage of net charge-offs (x) | 32.4800% | 1,105 |
| Efficiency ratio | 72.7608% | 3,342 |
| Assets per employee ($millions) | 3.5092% | 4,885 |
| Cash dividends to net income (ytd only)* | 16.0784% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 2,774 |
| Loan loss allowance to noncurrent loans | 35.2941% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 9.5258% | 137 |
| Noncurrent loans to loans | 4.5256% | 584 |
| Net loans and leases to total assets | 66.1271% | 2,674 |
| Net loans and leases to deposits | 75.9888% | 2,966 |
| Net loans and leases to core deposits | 83.2070% | 2,754 |
| Total domestic deposits to total assets | 87.0222% | 2,715 |
| Equity capital to assets | 12.7570% | 1,391 |
| Core capital (leverage) ratio | 12.3945% | 1,406 |
| Tier 1 risk-based capital ratio | 15.6997% | 3,251 |
| Total risk-based capital ratio | 16.9511% | 3,210 |
| Memoranda: | ||
| Average total assets | $128,866,000 | 4,092 |
| Average earning assets | $112,634,200 | 4,208 |
| Average equity | $15,853,600 | 3,727 |
| Average total loans | $79,014,400 | 3,968 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4095% | 434 |
| Cost of funding earning assets | 0.8283% | 1,167 |
| Net interest margin | 4.5812% | 640 |
| Noninterest income to average assets | 0.4365% | 4,253 |
| Noninterest expense to average assets | 3.3523% | 1,938 |
| Loan and lease loss provision to assets | 0.3727% | 837 |
| Net operating income to assets | 0.4129% | 5,198 |
| Return on assets (ROA) | 0.4129% | 5,335 |
| Pretax return on assets | 0.7145% | 4,640 |
| Return on Equity (ROE) | 3.3864% | 5,477 |
| Retained earnings to average equity (ytd only) | 3.3864% | 4,279 |
| Net charge-offs to loans | 0.0739% | 3,885 |
| Credit loss provision to net charge-offs | 841.8605% | 356 |
| Earnings coverage of net charge-offs (x) | 24.5589% | 1,418 |
| Efficiency ratio | 75.5102% | 2,810 |
| Assets per employee ($millions) | 3.4257% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4403% | 3,735 |
| Loan loss allowance to noncurrent loans | 26.3292% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 10.0257% | 137 |
| Noncurrent loans to loans | 5.4704% | 502 |
| Net loans and leases to total assets | 65.0785% | 2,787 |
| Net loans and leases to deposits | 74.7417% | 3,126 |
| Net loans and leases to core deposits | 81.5856% | 2,926 |
| Total domestic deposits to total assets | 87.0713% | 2,653 |
| Equity capital to assets | 12.2282% | 1,764 |
| Core capital (leverage) ratio | 12.1267% | 1,602 |
| Tier 1 risk-based capital ratio | 14.9452% | 3,786 |
| Total risk-based capital ratio | 16.1301% | 3,783 |
| Memoranda: | ||
| Average total assets | $129,499,750 | 4,128 |
| Average earning assets | $113,156,500 | 4,242 |
| Average equity | $15,788,000 | 3,777 |
| Average total loans | $77,544,250 | 4,044 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2808% | 543 |
| Cost of funding earning assets | 0.8491% | 1,144 |
| Net interest margin | 4.4317% | 800 |
| Noninterest income to average assets | 0.4502% | 4,160 |
| Noninterest expense to average assets | 3.4098% | 1,799 |
| Loan and lease loss provision to assets | 0.3899% | 814 |
| Net operating income to assets | 0.3017% | 5,596 |
| Return on assets (ROA) | 0.3017% | 5,749 |
| Pretax return on assets | 0.5183% | 5,312 |
| Return on Equity (ROE) | 2.4770% | 5,807 |
| Retained earnings to average equity (ytd only) | 2.4770% | 4,730 |
| Net charge-offs to loans | 0.0268% | 4,321 |
| Credit loss provision to net charge-offs | 2,520.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 58.7000% | 715 |
| Efficiency ratio | 78.9681% | 2,303 |
| Assets per employee ($millions) | 3.3275% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,784 |
| Loan loss allowance to noncurrent loans | 29.3954% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 9.3827% | 169 |
| Noncurrent loans to loans | 4.9546% | 660 |
| Net loans and leases to total assets | 60.5860% | 3,564 |
| Net loans and leases to deposits | 69.3496% | 3,808 |
| Net loans and leases to core deposits | 77.0089% | 3,422 |
| Total domestic deposits to total assets | 87.3631% | 2,609 |
| Equity capital to assets | 12.1329% | 1,822 |
| Core capital (leverage) ratio | 11.9309% | 1,651 |
| Tier 1 risk-based capital ratio | 15.5204% | 3,470 |
| Total risk-based capital ratio | 16.6907% | 3,473 |
| Memoranda: | ||
| Average total assets | $129,274,670 | 4,153 |
| Average earning assets | $112,824,330 | 4,273 |
| Average equity | $15,744,670 | 3,814 |
| Average total loans | $74,741,000 | 4,146 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 581 |
| Cost of funding earning assets | 0.8673% | 1,166 |
| Net interest margin | 4.3581% | 868 |
| Noninterest income to average assets | 0.4371% | 4,203 |
| Noninterest expense to average assets | 3.3233% | 2,028 |
| Loan and lease loss provision to assets | 0.5766% | 444 |
| Net operating income to assets | 0.2170% | 5,831 |
| Return on assets (ROA) | 0.2170% | 5,951 |
| Pretax return on assets | 0.3224% | 5,799 |
| Return on Equity (ROE) | 1.7784% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.7784% | 5,097 |
| Net charge-offs to loans | -0.0055% | 5,288 |
| Credit loss provision to net charge-offs | -18,600.0000% | 5,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7078% | 2,503 |
| Assets per employee ($millions) | 3.2404% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,823 |
| Loan loss allowance to noncurrent loans | 29.6753% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 10.1414% | 184 |
| Noncurrent loans to loans | 5.0601% | 745 |
| Net loans and leases to total assets | 55.9711% | 4,080 |
| Net loans and leases to deposits | 63.9674% | 4,320 |
| Net loans and leases to core deposits | 70.8490% | 3,966 |
| Total domestic deposits to total assets | 87.4993% | 2,632 |
| Equity capital to assets | 12.1581% | 1,932 |
| Core capital (leverage) ratio | 11.9024% | 1,617 |
| Tier 1 risk-based capital ratio | 15.6107% | 3,467 |
| Total risk-based capital ratio | 16.7402% | 3,492 |
| Memoranda: | ||
| Average total assets | $129,026,500 | 4,202 |
| Average earning assets | $112,067,000 | 4,332 |
| Average equity | $15,744,500 | 3,865 |
| Average total loans | $72,219,000 | 4,262 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5569% | 558 |
| Cost of funding earning assets | 0.9377% | 1,720 |
| Net interest margin | 4.6192% | 757 |
| Noninterest income to average assets | 0.5562% | 3,533 |
| Noninterest expense to average assets | 3.8449% | 1,176 |
| Loan and lease loss provision to assets | 0.1406% | 3,853 |
| Net operating income to assets | 0.3914% | 5,134 |
| Return on assets (ROA) | 0.3914% | 5,373 |
| Pretax return on assets | 0.5343% | 5,183 |
| Return on Equity (ROE) | 3.2198% | 5,464 |
| Retained earnings to average equity (ytd only) | 3.2198% | 3,955 |
| Net charge-offs to loans | 0.0584% | 5,113 |
| Credit loss provision to net charge-offs | 428.5714% | 559 |
| Earnings coverage of net charge-offs (x) | 20.5714% | 1,345 |
| Efficiency ratio | 85.0674% | 1,509 |
| Assets per employee ($millions) | 3.5677% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 4,642 |
| Loan loss allowance to noncurrent loans | 23.6978% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 10.6816% | 191 |
| Noncurrent loans to loans | 5.4786% | 678 |
| Net loans and leases to total assets | 54.3967% | 4,567 |
| Net loans and leases to deposits | 62.1337% | 4,770 |
| Net loans and leases to core deposits | 69.2356% | 4,404 |
| Total domestic deposits to total assets | 87.5479% | 2,505 |
| Equity capital to assets | 12.2473% | 1,891 |
| Core capital (leverage) ratio | 11.9435% | 1,599 |
| Tier 1 risk-based capital ratio | 15.9308% | 3,197 |
| Total risk-based capital ratio | 16.8930% | 3,310 |
| Memoranda: | ||
| Average total assets | $128,014,400 | 4,187 |
| Average earning assets | $109,845,800 | 4,344 |
| Average equity | $15,559,800 | 3,849 |
| Average total loans | $71,873,600 | 4,288 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7284% | 440 |
| Cost of funding earning assets | 0.9464% | 1,872 |
| Net interest margin | 4.7820% | 579 |
| Noninterest income to average assets | 0.3482% | 5,035 |
| Noninterest expense to average assets | 3.5681% | 1,618 |
| Loan and lease loss provision to assets | 0.1564% | 3,568 |
| Net operating income to assets | 0.4034% | 5,235 |
| Return on assets (ROA) | 0.4034% | 5,461 |
| Pretax return on assets | 0.7161% | 4,806 |
| Return on Equity (ROE) | 3.3253% | 5,564 |
| Retained earnings to average equity (ytd only) | 3.3253% | 4,533 |
| Net charge-offs to loans | 0.0296% | 5,243 |
| Credit loss provision to net charge-offs | 937.5000% | 305 |
| Earnings coverage of net charge-offs (x) | 52.3193% | 728 |
| Efficiency ratio | 80.3521% | 2,041 |
| Assets per employee ($millions) | 3.6299% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 5,004 |
| Loan loss allowance to noncurrent loans | 24.4652% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 10.9423% | 195 |
| Noncurrent loans to loans | 5.1513% | 865 |
| Net loans and leases to total assets | 56.4259% | 4,380 |
| Net loans and leases to deposits | 64.8795% | 4,610 |
| Net loans and leases to core deposits | 72.2334% | 4,221 |
| Total domestic deposits to total assets | 86.9703% | 2,686 |
| Equity capital to assets | 12.3379% | 2,005 |
| Core capital (leverage) ratio | 11.7840% | 1,778 |
| Tier 1 risk-based capital ratio | 16.1686% | 3,183 |
| Total risk-based capital ratio | 17.1483% | 3,292 |
| Memoranda: | ||
| Average total assets | $127,909,000 | 4,233 |
| Average earning assets | $109,463,000 | 4,403 |
| Average equity | $15,517,250 | 3,896 |
| Average total loans | $72,146,000 | 4,318 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7877% | 414 |
| Cost of funding earning assets | 0.9460% | 2,089 |
| Net interest margin | 4.8417% | 525 |
| Noninterest income to average assets | 0.7333% | 2,503 |
| Noninterest expense to average assets | 3.8956% | 1,081 |
| Loan and lease loss provision to assets | 0.1482% | 3,662 |
| Net operating income to assets | 0.4696% | 4,956 |
| Return on assets (ROA) | 0.4696% | 5,200 |
| Pretax return on assets | 0.8253% | 4,383 |
| Return on Equity (ROE) | 3.8927% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.8927% | 4,024 |
| Net charge-offs to loans | 0.0472% | 4,734 |
| Credit loss provision to net charge-offs | 558.8235% | 557 |
| Earnings coverage of net charge-offs (x) | 36.7059% | 936 |
| Efficiency ratio | 80.0064% | 2,174 |
| Assets per employee ($millions) | 3.8295% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,422 |
| Loan loss allowance to noncurrent loans | 30.4826% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 10.2992% | 245 |
| Noncurrent loans to loans | 3.8864% | 1,432 |
| Net loans and leases to total assets | 55.0290% | 4,627 |
| Net loans and leases to deposits | 62.9149% | 4,888 |
| Net loans and leases to core deposits | 69.7955% | 4,549 |
| Total domestic deposits to total assets | 87.4658% | 2,491 |
| Equity capital to assets | 11.9843% | 2,162 |
| Core capital (leverage) ratio | 11.6064% | 1,832 |
| Tier 1 risk-based capital ratio | 14.6356% | 4,012 |
| Total risk-based capital ratio | 15.4729% | 4,254 |
| Memoranda: | ||
| Average total assets | $128,196,000 | 4,246 |
| Average earning assets | $109,508,000 | 4,420 |
| Average equity | $15,464,670 | 3,897 |
| Average total loans | $71,993,670 | 4,354 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0983% | 267 |
| Cost of funding earning assets | 0.9604% | 2,231 |
| Net interest margin | 5.1380% | 323 |
| Noninterest income to average assets | 0.4340% | 4,422 |
| Noninterest expense to average assets | 3.6889% | 1,396 |
| Loan and lease loss provision to assets | 0.2516% | 2,441 |
| Net operating income to assets | 0.4937% | 4,853 |
| Return on assets (ROA) | 0.4937% | 5,057 |
| Pretax return on assets | 0.8680% | 4,164 |
| Return on Equity (ROE) | 4.0792% | 5,258 |
| Retained earnings to average equity (ytd only) | 4.0792% | 4,145 |
| Net charge-offs to loans | 0.0446% | 4,071 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 44.5000% | 687 |
| Efficiency ratio | 76.7168% | 2,685 |
| Assets per employee ($millions) | 3.7000% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 5,542 |
| Loan loss allowance to noncurrent loans | 225.6614% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 8.5791% | 429 |
| Noncurrent loans to loans | 0.5270% | 5,613 |
| Net loans and leases to total assets | 54.7270% | 4,598 |
| Net loans and leases to deposits | 62.3978% | 4,862 |
| Net loans and leases to core deposits | 69.4367% | 4,509 |
| Total domestic deposits to total assets | 87.7067% | 2,521 |
| Equity capital to assets | 11.9126% | 2,104 |
| Core capital (leverage) ratio | 11.6546% | 1,801 |
| Tier 1 risk-based capital ratio | 13.4493% | 4,859 |
| Total risk-based capital ratio | 14.2207% | 5,208 |
| Memoranda: | ||
| Average total assets | $127,192,000 | 4,300 |
| Average earning assets | $108,292,000 | 4,475 |
| Average equity | $15,395,000 | 3,913 |
| Average total loans | $71,736,000 | 4,390 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1201% | 355 |
| Cost of funding earning assets | 1.1439% | 2,387 |
| Net interest margin | 4.9762% | 427 |
| Noninterest income to average assets | 0.4115% | 4,525 |
| Noninterest expense to average assets | 3.7847% | 1,376 |
| Loan and lease loss provision to assets | 1.2459% | 683 |
| Net operating income to assets | -0.1422% | 6,196 |
| Return on assets (ROA) | -0.1422% | 6,271 |
| Pretax return on assets | -0.3344% | 6,375 |
| Return on Equity (ROE) | -1.2075% | 6,266 |
| Retained earnings to average equity (ytd only) | -1.2075% | 6,044 |
| Net charge-offs to loans | 3.2812% | 257 |
| Credit loss provision to net charge-offs | 62.3156% | 5,110 |
| Earnings coverage of net charge-offs (x) | 0.4559% | 5,476 |
| Efficiency ratio | 80.5896% | 2,220 |
| Assets per employee ($millions) | 3.3752% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 5,855 |
| Loan loss allowance to noncurrent loans | 91.7744% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 9.2503% | 386 |
| Noncurrent loans to loans | 1.1861% | 4,388 |
| Net loans and leases to total assets | 56.8260% | 4,572 |
| Net loans and leases to deposits | 64.9414% | 4,882 |
| Net loans and leases to core deposits | 72.3596% | 4,461 |
| Total domestic deposits to total assets | 87.5035% | 2,469 |
| Equity capital to assets | 12.3019% | 1,909 |
| Core capital (leverage) ratio | 11.5370% | 1,862 |
| Tier 1 risk-based capital ratio | 14.1455% | 4,224 |
| Total risk-based capital ratio | 14.8963% | 4,555 |
| Memoranda: | ||
| Average total assets | $132,190,400 | 4,122 |
| Average earning assets | $113,821,600 | 4,286 |
| Average equity | $15,569,000 | 3,800 |
| Average total loans | $80,550,800 | 4,126 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1404% | 370 |
| Cost of funding earning assets | 1.1836% | 2,424 |
| Net interest margin | 4.9568% | 454 |
| Noninterest income to average assets | 0.4248% | 4,479 |
| Noninterest expense to average assets | 3.6701% | 1,567 |
| Loan and lease loss provision to assets | 0.3124% | 3,025 |
| Net operating income to assets | 0.4029% | 4,986 |
| Return on assets (ROA) | 0.4029% | 5,171 |
| Pretax return on assets | 0.7253% | 4,392 |
| Return on Equity (ROE) | 3.4569% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.4569% | 4,278 |
| Net charge-offs to loans | 0.7524% | 2,057 |
| Credit loss provision to net charge-offs | 67.2377% | 4,569 |
| Earnings coverage of net charge-offs (x) | 2.2334% | 4,011 |
| Efficiency ratio | 77.9586% | 2,554 |
| Assets per employee ($millions) | 3.4571% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 2,175 |
| Loan loss allowance to noncurrent loans | 32.5255% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 10.4213% | 337 |
| Noncurrent loans to loans | 6.3370% | 849 |
| Net loans and leases to total assets | 60.3287% | 4,075 |
| Net loans and leases to deposits | 69.4910% | 4,384 |
| Net loans and leases to core deposits | 77.8725% | 3,924 |
| Total domestic deposits to total assets | 86.8151% | 2,764 |
| Equity capital to assets | 12.4829% | 1,921 |
| Core capital (leverage) ratio | 11.7901% | 1,833 |
| Tier 1 risk-based capital ratio | 14.3341% | 4,101 |
| Total risk-based capital ratio | 15.5965% | 4,056 |
| Memoranda: | ||
| Average total assets | $134,017,250 | 4,115 |
| Average earning assets | $115,798,000 | 4,259 |
| Average equity | $15,620,500 | 3,800 |
| Average total loans | $82,751,750 | 4,094 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1907% | 333 |
| Cost of funding earning assets | 1.2402% | 2,322 |
| Net interest margin | 4.9505% | 435 |
| Noninterest income to average assets | 0.4101% | 4,594 |
| Noninterest expense to average assets | 3.5530% | 1,853 |
| Loan and lease loss provision to assets | 0.3969% | 2,432 |
| Net operating income to assets | 0.3969% | 4,962 |
| Return on assets (ROA) | 0.3969% | 5,109 |
| Pretax return on assets | 0.7262% | 4,293 |
| Return on Equity (ROE) | 3.4827% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.4827% | 4,034 |
| Net charge-offs to loans | 1.1276% | 1,390 |
| Credit loss provision to net charge-offs | 56.9620% | 4,414 |
| Earnings coverage of net charge-offs (x) | 1.6118% | 4,083 |
| Efficiency ratio | 75.9824% | 3,013 |
| Assets per employee ($millions) | 3.4503% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9292% | 2,579 |
| Loan loss allowance to noncurrent loans | 38.9936% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 9.5720% | 425 |
| Noncurrent loans to loans | 4.9476% | 1,324 |
| Net loans and leases to total assets | 60.9880% | 4,090 |
| Net loans and leases to deposits | 69.7676% | 4,467 |
| Net loans and leases to core deposits | 77.5705% | 4,105 |
| Total domestic deposits to total assets | 87.4160% | 2,511 |
| Equity capital to assets | 11.9845% | 2,101 |
| Core capital (leverage) ratio | 11.2543% | 2,073 |
| Tier 1 risk-based capital ratio | 13.8736% | 4,252 |
| Total risk-based capital ratio | 15.1254% | 4,221 |
| Memoranda: | ||
| Average total assets | $136,052,670 | 4,109 |
| Average earning assets | $117,239,670 | 4,250 |
| Average equity | $15,505,000 | 3,821 |
| Average total loans | $84,072,000 | 4,090 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2011% | 334 |
| Cost of funding earning assets | 1.2934% | 2,217 |
| Net interest margin | 4.9076% | 449 |
| Noninterest income to average assets | 0.4880% | 3,985 |
| Noninterest expense to average assets | 3.6557% | 1,641 |
| Loan and lease loss provision to assets | 0.0722% | 5,098 |
| Net operating income to assets | 0.5515% | 4,265 |
| Return on assets (ROA) | 0.5515% | 4,350 |
| Pretax return on assets | 0.9673% | 3,258 |
| Return on Equity (ROE) | 4.9607% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.9607% | 3,223 |
| Net charge-offs to loans | 1.3265% | 1,041 |
| Credit loss provision to net charge-offs | 8.8339% | 4,393 |
| Earnings coverage of net charge-offs (x) | 1.2721% | 3,716 |
| Efficiency ratio | 77.8598% | 2,865 |
| Assets per employee ($millions) | 3.3742% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8153% | 2,962 |
| Loan loss allowance to noncurrent loans | 52.8348% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 9.0117% | 479 |
| Noncurrent loans to loans | 3.4357% | 2,189 |
| Net loans and leases to total assets | 59.3891% | 4,388 |
| Net loans and leases to deposits | 67.2373% | 4,798 |
| Net loans and leases to core deposits | 74.4115% | 4,492 |
| Total domestic deposits to total assets | 88.3275% | 2,180 |
| Equity capital to assets | 11.1962% | 2,503 |
| Core capital (leverage) ratio | 10.8092% | 2,348 |
| Tier 1 risk-based capital ratio | 13.0306% | 4,808 |
| Total risk-based capital ratio | 14.2894% | 4,780 |
| Memoranda: | ||
| Average total assets | $138,523,500 | 4,084 |
| Average earning assets | $118,754,000 | 4,242 |
| Average equity | $15,401,000 | 3,829 |
| Average total loans | $85,340,500 | 4,095 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5788% | 286 |
| Cost of funding earning assets | 1.6841% | 1,664 |
| Net interest margin | 4.8947% | 554 |
| Noninterest income to average assets | 0.0333% | 7,186 |
| Noninterest expense to average assets | 4.0467% | 1,100 |
| Loan and lease loss provision to assets | 0.8557% | 1,908 |
| Net operating income to assets | -0.3496% | 6,265 |
| Return on assets (ROA) | -0.3496% | 6,289 |
| Pretax return on assets | -0.6519% | 6,428 |
| Return on Equity (ROE) | -3.5571% | 6,327 |
| Retained earnings to average equity (ytd only) | -3.5571% | 6,161 |
| Net charge-offs to loans | 1.0500% | 2,104 |
| Credit loss provision to net charge-offs | 119.5349% | 3,541 |
| Earnings coverage of net charge-offs (x) | 0.2847% | 5,821 |
| Efficiency ratio | 95.2060% | 1,001 |
| Assets per employee ($millions) | 3.2257% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 2,198 |
| Loan loss allowance to noncurrent loans | 45.9292% | 5,257 |
| Noncurrent assets plus other real estate owned to assets | 9.1655% | 487 |
| Noncurrent loans to loans | 4.4470% | 1,598 |
| Net loans and leases to total assets | 61.4434% | 4,408 |
| Net loans and leases to deposits | 69.2757% | 4,914 |
| Net loans and leases to core deposits | 77.0632% | 4,584 |
| Total domestic deposits to total assets | 88.6940% | 1,826 |
| Equity capital to assets | 11.0400% | 2,652 |
| Core capital (leverage) ratio | 10.5836% | 2,475 |
| Tier 1 risk-based capital ratio | 12.9368% | 4,648 |
| Total risk-based capital ratio | 14.1983% | 4,612 |
| Memoranda: | ||
| Average total assets | $150,170,000 | 3,870 |
| Average earning assets | $129,384,800 | 4,029 |
| Average equity | $14,759,200 | 3,979 |
| Average total loans | $102,385,000 | 3,729 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5226% | 324 |
| Cost of funding earning assets | 1.7595% | 1,588 |
| Net interest margin | 4.7631% | 729 |
| Noninterest income to average assets | 0.1220% | 6,944 |
| Noninterest expense to average assets | 3.3656% | 2,384 |
| Loan and lease loss provision to assets | 0.4156% | 3,413 |
| Net operating income to assets | 0.2370% | 5,403 |
| Return on assets (ROA) | 0.2370% | 5,563 |
| Pretax return on assets | 0.4469% | 5,089 |
| Return on Equity (ROE) | 2.4804% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.4804% | 4,686 |
| Net charge-offs to loans | 0.3652% | 3,843 |
| Credit loss provision to net charge-offs | 163.9175% | 2,295 |
| Earnings coverage of net charge-offs (x) | 3.4021% | 3,468 |
| Efficiency ratio | 79.6002% | 2,408 |
| Assets per employee ($millions) | 3.3161% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,990 |
| Loan loss allowance to noncurrent loans | 24.9112% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 10.8351% | 338 |
| Noncurrent loans to loans | 7.0279% | 800 |
| Net loans and leases to total assets | 68.9919% | 2,989 |
| Net loans and leases to deposits | 78.7148% | 3,685 |
| Net loans and leases to core deposits | 88.7799% | 3,267 |
| Total domestic deposits to total assets | 87.6480% | 2,184 |
| Equity capital to assets | 11.4544% | 2,570 |
| Core capital (leverage) ratio | 10.7655% | 2,451 |
| Tier 1 risk-based capital ratio | 13.1997% | 4,425 |
| Total risk-based capital ratio | 14.4526% | 4,398 |
| Memoranda: | ||
| Average total assets | $153,036,250 | 3,875 |
| Average earning assets | $131,928,750 | 4,034 |
| Average equity | $14,620,750 | 4,071 |
| Average total loans | $106,230,750 | 3,678 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3743% | 434 |
| Cost of funding earning assets | 1.8134% | 1,594 |
| Net interest margin | 4.5608% | 1,083 |
| Noninterest income to average assets | 0.3923% | 4,972 |
| Noninterest expense to average assets | 3.2661% | 2,673 |
| Loan and lease loss provision to assets | 0.3987% | 3,330 |
| Net operating income to assets | 0.3974% | 4,768 |
| Return on assets (ROA) | 0.3974% | 4,928 |
| Pretax return on assets | 0.6836% | 4,292 |
| Return on Equity (ROE) | 4.4270% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.4270% | 3,257 |
| Net charge-offs to loans | 0.4507% | 3,182 |
| Credit loss provision to net charge-offs | 127.8689% | 3,144 |
| Earnings coverage of net charge-offs (x) | 3.4713% | 3,311 |
| Efficiency ratio | 75.1102% | 3,242 |
| Assets per employee ($millions) | 3.4532% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,345 |
| Loan loss allowance to noncurrent loans | 23.8791% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 11.2556% | 307 |
| Noncurrent loans to loans | 6.8052% | 856 |
| Net loans and leases to total assets | 66.6588% | 3,697 |
| Net loans and leases to deposits | 74.3281% | 4,626 |
| Net loans and leases to core deposits | 84.2991% | 4,099 |
| Total domestic deposits to total assets | 89.6819% | 1,081 |
| Equity capital to assets | 9.5868% | 4,573 |
| Core capital (leverage) ratio | 8.8879% | 4,773 |
| Tier 1 risk-based capital ratio | 11.1543% | 6,090 |
| Total risk-based capital ratio | 12.4128% | 6,068 |
| Memoranda: | ||
| Average total assets | $156,517,670 | 3,848 |
| Average earning assets | $135,764,670 | 3,982 |
| Average equity | $14,050,000 | 4,190 |
| Average total loans | $108,264,330 | 3,673 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6517% | 284 |
| Cost of funding earning assets | 1.8417% | 1,691 |
| Net interest margin | 4.8100% | 631 |
| Noninterest income to average assets | 0.3663% | 5,215 |
| Noninterest expense to average assets | 3.2666% | 2,649 |
| Loan and lease loss provision to assets | 0.6229% | 2,036 |
| Net operating income to assets | 0.4012% | 4,831 |
| Return on assets (ROA) | 0.4012% | 4,978 |
| Pretax return on assets | 0.7002% | 4,232 |
| Return on Equity (ROE) | 4.6140% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.6140% | 3,370 |
| Net charge-offs to loans | 0.0036% | 5,575 |
| Credit loss provision to net charge-offs | 25,000.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 531.0000% | 48 |
| Efficiency ratio | 71.1726% | 4,090 |
| Assets per employee ($millions) | 3.7929% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 3,256 |
| Loan loss allowance to noncurrent loans | 19.7520% | 7,024 |
| Noncurrent assets plus other real estate owned to assets | 9.4136% | 448 |
| Noncurrent loans to loans | 8.3446% | 630 |
| Net loans and leases to total assets | 68.0236% | 3,384 |
| Net loans and leases to deposits | 74.9486% | 4,595 |
| Net loans and leases to core deposits | 87.0407% | 3,744 |
| Total domestic deposits to total assets | 90.7603% | 626 |
| Equity capital to assets | 8.8235% | 5,503 |
| Core capital (leverage) ratio | 8.4912% | 5,390 |
| Tier 1 risk-based capital ratio | 10.2080% | 6,879 |
| Total risk-based capital ratio | 11.4664% | 6,867 |
| Memoranda: | ||
| Average total assets | $160,533,500 | 3,834 |
| Average earning assets | $140,957,000 | 3,940 |
| Average equity | $13,957,500 | 4,254 |
| Average total loans | $112,089,500 | 3,644 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7952% | 387 |
| Cost of funding earning assets | 2.4396% | 1,188 |
| Net interest margin | 4.3556% | 1,551 |
| Noninterest income to average assets | 0.3639% | 5,489 |
| Noninterest expense to average assets | 2.9487% | 4,348 |
| Loan and lease loss provision to assets | 3.6131% | 420 |
| Net operating income to assets | -1.3637% | 6,797 |
| Return on assets (ROA) | -1.3637% | 6,797 |
| Pretax return on assets | -2.2547% | 7,044 |
| Return on Equity (ROE) | -15.4864% | 6,962 |
| Retained earnings to average equity (ytd only) | -15.4864% | 6,912 |
| Net charge-offs to loans | 5.0777% | 250 |
| Credit loss provision to net charge-offs | 98.5477% | 5,654 |
| Earnings coverage of net charge-offs (x) | 0.3705% | 5,743 |
| Efficiency ratio | 68.4615% | 4,931 |
| Assets per employee ($millions) | 3.6765% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 4,369 |
| Loan loss allowance to noncurrent loans | 33.1220% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 6.0934% | 919 |
| Noncurrent loans to loans | 4.1500% | 1,763 |
| Net loans and leases to total assets | 69.5039% | 3,365 |
| Net loans and leases to deposits | 76.2521% | 4,696 |
| Net loans and leases to core deposits | 126.2073% | 1,496 |
| Total domestic deposits to total assets | 91.1501% | 477 |
| Equity capital to assets | 8.5674% | 5,773 |
| Core capital (leverage) ratio | 8.1475% | 5,913 |
| Tier 1 risk-based capital ratio | 9.9323% | 6,934 |
| Total risk-based capital ratio | 11.0915% | 6,973 |
| Memoranda: | ||
| Average total assets | $169,025,000 | 3,630 |
| Average earning assets | $153,019,800 | 3,653 |
| Average equity | $14,884,000 | 4,081 |
| Average total loans | $122,042,400 | 3,440 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8370% | 393 |
| Cost of funding earning assets | 2.5608% | 1,132 |
| Net interest margin | 4.2762% | 1,790 |
| Noninterest income to average assets | 0.4308% | 5,034 |
| Noninterest expense to average assets | 2.8111% | 4,844 |
| Loan and lease loss provision to assets | 1.1707% | 1,655 |
| Net operating income to assets | 0.2255% | 5,076 |
| Return on assets (ROA) | 0.2255% | 5,154 |
| Pretax return on assets | 0.3379% | 4,959 |
| Return on Equity (ROE) | 2.5450% | 4,967 |
| Retained earnings to average equity (ytd only) | 2.5450% | 3,893 |
| Net charge-offs to loans | 2.0797% | 939 |
| Credit loss provision to net charge-offs | 77.5194% | 5,822 |
| Earnings coverage of net charge-offs (x) | 0.9990% | 5,054 |
| Efficiency ratio | 65.0768% | 5,539 |
| Assets per employee ($millions) | 3.5883% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 6,160 |
| Loan loss allowance to noncurrent loans | 18.3099% | 7,182 |
| Noncurrent assets plus other real estate owned to assets | 6.1203% | 864 |
| Noncurrent loans to loans | 5.5761% | 1,119 |
| Net loans and leases to total assets | 70.2435% | 3,450 |
| Net loans and leases to deposits | 78.0538% | 4,731 |
| Net loans and leases to core deposits | 133.5231% | 1,233 |
| Total domestic deposits to total assets | 89.9936% | 769 |
| Equity capital to assets | 9.2374% | 5,103 |
| Core capital (leverage) ratio | 8.9318% | 4,763 |
| Tier 1 risk-based capital ratio | 10.6646% | 6,280 |
| Total risk-based capital ratio | 11.5351% | 6,644 |
| Memoranda: | ||
| Average total assets | $170,840,000 | 3,615 |
| Average earning assets | $155,366,500 | 3,630 |
| Average equity | $15,140,250 | 4,073 |
| Average total loans | $124,053,000 | 3,424 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0600% | 284 |
| Cost of funding earning assets | 2.6912% | 1,053 |
| Net interest margin | 4.3687% | 1,475 |
| Noninterest income to average assets | 0.3217% | 5,935 |
| Noninterest expense to average assets | 2.8630% | 4,671 |
| Loan and lease loss provision to assets | 0.9804% | 1,721 |
| Net operating income to assets | 0.1970% | 5,273 |
| Return on assets (ROA) | 0.1970% | 5,353 |
| Pretax return on assets | 0.4523% | 4,779 |
| Return on Equity (ROE) | 2.2542% | 5,195 |
| Retained earnings to average equity (ytd only) | 2.2542% | 4,082 |
| Net charge-offs to loans | 0.9960% | 1,770 |
| Credit loss provision to net charge-offs | 134.5600% | 3,468 |
| Earnings coverage of net charge-offs (x) | 1.9664% | 4,112 |
| Efficiency ratio | 66.6486% | 5,427 |
| Assets per employee ($millions) | 3.6219% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,047 |
| Loan loss allowance to noncurrent loans | 34.4618% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 5.5699% | 895 |
| Noncurrent loans to loans | 4.4337% | 1,459 |
| Net loans and leases to total assets | 72.4511% | 3,103 |
| Net loans and leases to deposits | 80.2401% | 4,509 |
| Net loans and leases to core deposits | 133.5908% | 1,338 |
| Total domestic deposits to total assets | 90.2928% | 713 |
| Equity capital to assets | 9.0037% | 5,313 |
| Core capital (leverage) ratio | 8.7494% | 5,003 |
| Tier 1 risk-based capital ratio | 10.6788% | 6,204 |
| Total risk-based capital ratio | 11.9365% | 6,134 |
| Memoranda: | ||
| Average total assets | $171,569,330 | 3,611 |
| Average earning assets | $156,063,330 | 3,631 |
| Average equity | $14,994,000 | 4,116 |
| Average total loans | $125,507,670 | 3,430 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0662% | 301 |
| Cost of funding earning assets | 2.8159% | 946 |
| Net interest margin | 4.2503% | 1,747 |
| Noninterest income to average assets | 0.3631% | 5,532 |
| Noninterest expense to average assets | 2.6314% | 5,317 |
| Loan and lease loss provision to assets | 0.6688% | 1,890 |
| Net operating income to assets | 0.5562% | 4,196 |
| Return on assets (ROA) | 0.5562% | 4,380 |
| Pretax return on assets | 0.9515% | 3,529 |
| Return on Equity (ROE) | 6.4574% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.4574% | 2,435 |
| Net charge-offs to loans | 1.0774% | 1,262 |
| Credit loss provision to net charge-offs | 85.0877% | 4,100 |
| Earnings coverage of net charge-offs (x) | 2.0614% | 3,695 |
| Efficiency ratio | 61.8919% | 6,068 |
| Assets per employee ($millions) | 3.5327% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 4,306 |
| Loan loss allowance to noncurrent loans | 23.1312% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 5.6892% | 730 |
| Noncurrent loans to loans | 5.4701% | 942 |
| Net loans and leases to total assets | 72.3980% | 3,152 |
| Net loans and leases to deposits | 79.9236% | 4,628 |
| Net loans and leases to core deposits | 126.7777% | 1,863 |
| Total domestic deposits to total assets | 90.5841% | 559 |
| Equity capital to assets | 8.7574% | 5,684 |
| Core capital (leverage) ratio | 8.5770% | 5,380 |
| Tier 1 risk-based capital ratio | 11.1337% | 5,781 |
| Total risk-based capital ratio | 12.3319% | 5,731 |
| Memoranda: | ||
| Average total assets | $174,049,500 | 3,591 |
| Average earning assets | $159,236,000 | 3,587 |
| Average equity | $14,990,500 | 4,146 |
| Average total loans | $126,970,000 | 3,424 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5971% | 341 |
| Cost of funding earning assets | 3.4139% | 686 |
| Net interest margin | 4.1832% | 2,379 |
| Noninterest income to average assets | 0.3611% | 5,832 |
| Noninterest expense to average assets | 2.5970% | 5,666 |
| Loan and lease loss provision to assets | 0.4468% | 3,056 |
| Net operating income to assets | 0.7923% | 3,469 |
| Return on assets (ROA) | 0.8009% | 3,267 |
| Pretax return on assets | 1.2029% | 2,627 |
| Return on Equity (ROE) | 9.6214% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.2199% | 776 |
| Net charge-offs to loans | 0.4766% | 2,450 |
| Credit loss provision to net charge-offs | 129.6108% | 4,108 |
| Earnings coverage of net charge-offs (x) | 4.7479% | 3,874 |
| Efficiency ratio | 61.3392% | 6,101 |
| Assets per employee ($millions) | 3.8889% | 3,762 |
| Cash dividends to net income (ytd only)* | 14.5666% | 4,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 3,749 |
| Loan loss allowance to noncurrent loans | 28.3248% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 4.4212% | 865 |
| Noncurrent loans to loans | 4.6058% | 1,028 |
| Net loans and leases to total assets | 71.6324% | 3,668 |
| Net loans and leases to deposits | 78.7190% | 5,237 |
| Net loans and leases to core deposits | 124.3315% | 2,300 |
| Total domestic deposits to total assets | 90.9977% | 328 |
| Equity capital to assets | 8.4698% | 6,140 |
| Core capital (leverage) ratio | 8.2590% | 6,036 |
| Tier 1 risk-based capital ratio | 10.9876% | 5,732 |
| Total risk-based capital ratio | 12.2277% | 5,653 |
| Memoranda: | ||
| Average total assets | $171,425,400 | 3,528 |
| Average earning assets | $158,705,800 | 3,492 |
| Average equity | $14,270,200 | 4,275 |
| Average total loans | $123,991,200 | 3,379 |