Home > Bank of Rantoul > Performance and Condition Ratios
Bank of Rantoul, 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 | 4.7851% | 2,504 |
| Cost of funding earning assets | 1.2427% | 2,679 |
| Net interest margin | 3.5424% | 2,088 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.5593% | 4,282 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.9325% | 511 |
| Return on assets (ROA) | 1.9345% | 488 |
| Pretax return on assets | 1.9345% | 739 |
| Return on Equity (ROE) | 22.8100% | 409 |
| Retained earnings to average equity (ytd only) | 5.8663% | 2,301 |
| Net charge-offs to loans | -0.3750% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.4549% | 4,267 |
| Assets per employee ($millions) | 8.8537% | 1,036 |
| Cash dividends to net income (ytd only)* | 74.2821% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4696% | 201 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 41.0700% | 3,997 |
| Net loans and leases to deposits | 49.0880% | 3,969 |
| Net loans and leases to core deposits | 52.8035% | 4,009 |
| Total domestic deposits to total assets | 83.6700% | 2,716 |
| Equity capital to assets | 9.7298% | 2,177 |
| Core capital (leverage) ratio | 11.1148% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $248,441,000 | 2,692 |
| Average earning assets | $234,330,400 | 2,659 |
| Average equity | $21,069,600 | 2,768 |
| Average total loans | $99,195,200 | 3,184 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 2,512 |
| Cost of funding earning assets | 1.0935% | 2,761 |
| Net interest margin | 3.5859% | 2,042 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.3945% | 4,403 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 2.1367% | 412 |
| Return on assets (ROA) | 2.1388% | 402 |
| Pretax return on assets | 2.1388% | 609 |
| Return on Equity (ROE) | 26.1400% | 346 |
| Retained earnings to average equity (ytd only) | 3.3979% | 3,417 |
| Net charge-offs to loans | -0.5396% | 4,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.4491% | 4,397 |
| Assets per employee ($millions) | 8.5865% | 1,087 |
| Cash dividends to net income (ytd only)* | 86.9998% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4542% | 208 |
| 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 | 40.5700% | 4,029 |
| Net loans and leases to deposits | 47.8912% | 4,012 |
| Net loans and leases to core deposits | 51.3826% | 3,995 |
| Total domestic deposits to total assets | 84.7100% | 2,595 |
| Equity capital to assets | 7.7364% | 3,220 |
| Core capital (leverage) ratio | 10.9503% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $250,788,750 | 2,679 |
| Average earning assets | $236,552,750 | 2,654 |
| Average equity | $20,522,250 | 2,802 |
| Average total loans | $98,828,000 | 3,191 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 2,355 |
| Cost of funding earning assets | 0.9513% | 2,767 |
| Net interest margin | 3.6767% | 1,860 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.3672% | 4,438 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.2530% | 329 |
| Return on assets (ROA) | 2.2545% | 321 |
| Pretax return on assets | 2.2545% | 497 |
| Return on Equity (ROE) | 27.0900% | 291 |
| Retained earnings to average equity (ytd only) | 6.2940% | 2,512 |
| Net charge-offs to loans | -0.8391% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.8064% | 4,456 |
| Assets per employee ($millions) | 9.1158% | 873 |
| Cash dividends to net income (ytd only)* | 76.7620% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5490% | 203 |
| 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 | 37.3900% | 4,140 |
| Net loans and leases to deposits | 44.3690% | 4,085 |
| Net loans and leases to core deposits | 46.8180% | 4,105 |
| Total domestic deposits to total assets | 84.2700% | 2,761 |
| Equity capital to assets | 8.7626% | 2,684 |
| Core capital (leverage) ratio | 10.4762% | 2,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $254,244,333 | 2,668 |
| Average earning assets | $239,674,667 | 2,638 |
| Average equity | $21,163,000 | 2,760 |
| Average total loans | $98,439,667 | 3,190 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 2,380 |
| Cost of funding earning assets | 0.7171% | 3,000 |
| Net interest margin | 3.7565% | 1,778 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.3875% | 4,478 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 2.2996% | 322 |
| Return on assets (ROA) | 2.3012% | 318 |
| Pretax return on assets | 2.3012% | 484 |
| Return on Equity (ROE) | 28.3600% | 273 |
| Retained earnings to average equity (ytd only) | 3.5494% | 3,383 |
| Net charge-offs to loans | -1.3181% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.7063% | 4,523 |
| Assets per employee ($millions) | 9.7900% | 742 |
| Cash dividends to net income (ytd only)* | 87.4832% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3274% | 268 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 35.9600% | 4,194 |
| Net loans and leases to deposits | 44.1102% | 4,096 |
| Net loans and leases to core deposits | 46.5483% | 4,095 |
| Total domestic deposits to total assets | 81.5200% | 3,555 |
| Equity capital to assets | 8.2643% | 3,068 |
| Core capital (leverage) ratio | 9.9388% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $258,303,500 | 2,677 |
| Average earning assets | $243,202,000 | 2,657 |
| Average equity | $20,961,000 | 2,800 |
| Average total loans | $100,444,000 | 3,211 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3669% | 3,427 |
| Cost of funding earning assets | 0.3369% | 2,576 |
| Net interest margin | 3.0300% | 3,358 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.5033% | 4,420 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.4815% | 927 |
| Return on assets (ROA) | 1.4834% | 886 |
| Pretax return on assets | 1.4834% | 1,506 |
| Return on Equity (ROE) | 16.9900% | 863 |
| Retained earnings to average equity (ytd only) | 2.4626% | 3,869 |
| Net charge-offs to loans | 0.9464% | 69 |
| Credit loss provision to net charge-offs | 26.4026% | 1,912 |
| Earnings coverage of net charge-offs (x) | 4.4400% | 2,419 |
| Efficiency ratio | 48.8337% | 4,195 |
| Assets per employee ($millions) | 8.6992% | 1,015 |
| Cash dividends to net income (ytd only)* | 85.5038% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8094% | 646 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 40.3100% | 4,056 |
| Net loans and leases to deposits | 47.1035% | 4,006 |
| Net loans and leases to core deposits | 49.5413% | 3,993 |
| Total domestic deposits to total assets | 85.5800% | 2,836 |
| Equity capital to assets | 7.9583% | 3,085 |
| Core capital (leverage) ratio | 10.0249% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $256,230,600 | 2,691 |
| Average earning assets | $237,158,400 | 2,690 |
| Average equity | $22,374,400 | 2,742 |
| Average total loans | $96,050,200 | 3,205 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1248% | 3,615 |
| Cost of funding earning assets | 0.2516% | 2,683 |
| Net interest margin | 2.8732% | 3,562 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 1.3996% | 4,511 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.4047% | 1,080 |
| Return on assets (ROA) | 1.4068% | 1,042 |
| Pretax return on assets | 1.4068% | 1,691 |
| Return on Equity (ROE) | 15.7700% | 1,019 |
| Retained earnings to average equity (ytd only) | -3.1141% | 4,542 |
| Net charge-offs to loans | -0.0085% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 48.3005% | 4,254 |
| Assets per employee ($millions) | 8.8819% | 935 |
| Cash dividends to net income (ytd only)* | 119.7494% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6728% | 188 |
| Loan loss allowance to noncurrent loans | 297.3856% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 1,520 |
| Noncurrent loans to loans | 0.8988% | 871 |
| Net loans and leases to total assets | 38.5900% | 4,123 |
| Net loans and leases to deposits | 44.9555% | 4,069 |
| Net loans and leases to core deposits | 47.1813% | 4,055 |
| Total domestic deposits to total assets | 85.8500% | 3,099 |
| Equity capital to assets | 6.8058% | 3,613 |
| Core capital (leverage) ratio | 9.6313% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $257,218,750 | 2,701 |
| Average earning assets | $237,362,750 | 2,705 |
| Average equity | $22,948,750 | 2,742 |
| Average total loans | $94,170,250 | 3,245 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9195% | 3,740 |
| Cost of funding earning assets | 0.2136% | 2,723 |
| Net interest margin | 2.7060% | 3,690 |
| Noninterest income to average assets | 0.2443% | 3,706 |
| Noninterest expense to average assets | 1.4088% | 4,519 |
| Loan and lease loss provision to assets | 0.0933% | 1,063 |
| Net operating income to assets | 1.2260% | 1,346 |
| Return on assets (ROA) | 1.2275% | 1,325 |
| Pretax return on assets | 1.2275% | 1,974 |
| Return on Equity (ROE) | 12.7489% | 1,451 |
| Retained earnings to average equity (ytd only) | -1.2280% | 4,314 |
| Net charge-offs to loans | -0.0087% | 3,537 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6396% | 4,155 |
| Assets per employee ($millions) | 8.9336% | 908 |
| Cash dividends to net income (ytd only)* | 109.6324% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8974% | 155 |
| Loan loss allowance to noncurrent loans | 298.9910% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 1,627 |
| Noncurrent loans to loans | 0.9690% | 861 |
| Net loans and leases to total assets | 34.5007% | 4,308 |
| Net loans and leases to deposits | 40.8475% | 4,241 |
| Net loans and leases to core deposits | 42.8913% | 4,233 |
| Total domestic deposits to total assets | 84.4623% | 3,597 |
| Equity capital to assets | 8.0495% | 3,085 |
| Core capital (leverage) ratio | 9.5566% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,099,667 | 2,727 |
| Average earning assets | $235,996,333 | 2,751 |
| Average equity | $24,755,000 | 2,694 |
| Average total loans | $91,513,333 | 3,304 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8302% | 3,684 |
| Cost of funding earning assets | 0.1874% | 2,981 |
| Net interest margin | 2.6428% | 3,552 |
| Noninterest income to average assets | 0.2499% | 3,647 |
| Noninterest expense to average assets | 1.4103% | 4,531 |
| Loan and lease loss provision to assets | 0.0937% | 877 |
| Net operating income to assets | 1.1464% | 1,388 |
| Return on assets (ROA) | 1.1479% | 1,382 |
| Pretax return on assets | 1.1479% | 1,991 |
| Return on Equity (ROE) | 11.0090% | 1,620 |
| Retained earnings to average equity (ytd only) | -9.9605% | 4,560 |
| Net charge-offs to loans | -0.0132% | 3,702 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2115% | 4,107 |
| Assets per employee ($millions) | 8.5034% | 1,118 |
| Cash dividends to net income (ytd only)* | 190.4762% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9475% | 165 |
| Loan loss allowance to noncurrent loans | 292.1525% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 1,755 |
| Noncurrent loans to loans | 1.0089% | 900 |
| Net loans and leases to total assets | 32.5520% | 4,354 |
| Net loans and leases to deposits | 39.2796% | 4,275 |
| Net loans and leases to core deposits | 41.1649% | 4,269 |
| Total domestic deposits to total assets | 82.8725% | 3,959 |
| Equity capital to assets | 9.1796% | 2,544 |
| Core capital (leverage) ratio | 9.6757% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $256,113,000 | 2,744 |
| Average earning assets | $232,634,000 | 2,784 |
| Average equity | $26,705,500 | 2,668 |
| Average total loans | $91,245,500 | 3,314 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1822% | 3,511 |
| Cost of funding earning assets | 0.2206% | 3,251 |
| Net interest margin | 2.9616% | 3,290 |
| Noninterest income to average assets | 0.3987% | 3,054 |
| Noninterest expense to average assets | 1.4898% | 4,553 |
| Loan and lease loss provision to assets | 0.0917% | 1,357 |
| Net operating income to assets | 1.5272% | 964 |
| Return on assets (ROA) | 1.5334% | 985 |
| Pretax return on assets | 1.5334% | 1,615 |
| Return on Equity (ROE) | 13.6080% | 1,283 |
| Retained earnings to average equity (ytd only) | 1.1060% | 4,233 |
| Net charge-offs to loans | -0.0950% | 4,568 |
| Credit loss provision to net charge-offs | -263.7363% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9218% | 4,409 |
| Assets per employee ($millions) | 8.0200% | 1,319 |
| Cash dividends to net income (ytd only)* | 91.8724% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7031% | 213 |
| Loan loss allowance to noncurrent loans | 285.0897% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 1,792 |
| Noncurrent loans to loans | 0.9482% | 1,065 |
| Net loans and leases to total assets | 36.8164% | 4,251 |
| Net loans and leases to deposits | 44.1851% | 4,170 |
| Net loans and leases to core deposits | 46.3092% | 4,170 |
| Total domestic deposits to total assets | 83.3231% | 3,734 |
| Equity capital to assets | 11.7501% | 1,368 |
| Core capital (leverage) ratio | 10.2371% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,583,400 | 2,654 |
| Average earning assets | $239,360,200 | 2,682 |
| Average equity | $29,475,400 | 2,568 |
| Average total loans | $95,760,000 | 3,252 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2331% | 3,540 |
| Cost of funding earning assets | 0.2277% | 3,349 |
| Net interest margin | 3.0055% | 3,288 |
| Noninterest income to average assets | 0.2553% | 3,865 |
| Noninterest expense to average assets | 1.4112% | 4,677 |
| Loan and lease loss provision to assets | 0.0906% | 1,323 |
| Net operating income to assets | 1.4918% | 1,291 |
| Return on assets (ROA) | 1.4938% | 1,335 |
| Pretax return on assets | 1.4938% | 2,006 |
| Return on Equity (ROE) | 13.3912% | 1,580 |
| Retained earnings to average equity (ytd only) | -2.6764% | 4,729 |
| Net charge-offs to loans | -0.1261% | 4,687 |
| Credit loss provision to net charge-offs | -197.8022% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1409% | 4,432 |
| Assets per employee ($millions) | 7.5584% | 1,533 |
| Cash dividends to net income (ytd only)* | 119.9865% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6710% | 221 |
| Loan loss allowance to noncurrent loans | 278.3632% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 2,049 |
| Noncurrent loans to loans | 0.9595% | 1,200 |
| Net loans and leases to total assets | 35.2074% | 4,423 |
| Net loans and leases to deposits | 43.8871% | 4,314 |
| Net loans and leases to core deposits | 45.7741% | 4,333 |
| Total domestic deposits to total assets | 80.2227% | 4,199 |
| Equity capital to assets | 11.2559% | 1,851 |
| Core capital (leverage) ratio | 9.7778% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,824,250 | 2,663 |
| Average earning assets | $241,288,750 | 2,691 |
| Average equity | $29,541,000 | 2,600 |
| Average total loans | $96,181,000 | 3,287 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 3,316 |
| Cost of funding earning assets | 0.2390% | 3,386 |
| Net interest margin | 3.1097% | 3,004 |
| Noninterest income to average assets | 0.2498% | 3,906 |
| Noninterest expense to average assets | 1.3955% | 4,722 |
| Loan and lease loss provision to assets | 0.0897% | 1,386 |
| Net operating income to assets | 1.5862% | 1,077 |
| Return on assets (ROA) | 1.5884% | 1,130 |
| Pretax return on assets | 1.5884% | 1,771 |
| Return on Equity (ROE) | 14.2809% | 1,329 |
| Retained earnings to average equity (ytd only) | 0.0941% | 4,497 |
| Net charge-offs to loans | -0.1851% | 4,782 |
| Credit loss provision to net charge-offs | -133.3333% | 3,112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4346% | 4,545 |
| Assets per employee ($millions) | 7.8101% | 1,302 |
| Cash dividends to net income (ytd only)* | 99.3409% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4960% | 277 |
| Loan loss allowance to noncurrent loans | 250.2066% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3645% | 2,153 |
| Noncurrent loans to loans | 0.9976% | 1,236 |
| Net loans and leases to total assets | 35.6301% | 4,472 |
| Net loans and leases to deposits | 43.8497% | 4,386 |
| Net loans and leases to core deposits | 46.1089% | 4,392 |
| Total domestic deposits to total assets | 81.2552% | 4,054 |
| Equity capital to assets | 11.2331% | 1,806 |
| Core capital (leverage) ratio | 9.4499% | 2,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,437,000 | 2,632 |
| Average earning assets | $242,660,333 | 2,681 |
| Average equity | $29,746,000 | 2,575 |
| Average total loans | $97,254,333 | 3,294 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6358% | 2,535 |
| Cost of funding earning assets | 0.2446% | 3,521 |
| Net interest margin | 3.3912% | 2,135 |
| Noninterest income to average assets | 0.2564% | 3,862 |
| Noninterest expense to average assets | 1.3771% | 4,761 |
| Loan and lease loss provision to assets | 0.0894% | 1,478 |
| Net operating income to assets | 1.8481% | 722 |
| Return on assets (ROA) | 1.8496% | 775 |
| Pretax return on assets | 1.8496% | 1,197 |
| Return on Equity (ROE) | 16.7113% | 891 |
| Retained earnings to average equity (ytd only) | -4.8343% | 4,696 |
| Net charge-offs to loans | -0.2711% | 4,835 |
| Credit loss provision to net charge-offs | -90.9091% | 2,818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5468% | 4,685 |
| Assets per employee ($millions) | 8.1115% | 1,147 |
| Cash dividends to net income (ytd only)* | 128.9283% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5567% | 235 |
| Loan loss allowance to noncurrent loans | 256.3596% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 2,487 |
| Noncurrent loans to loans | 0.9973% | 1,347 |
| Net loans and leases to total assets | 32.3101% | 4,620 |
| Net loans and leases to deposits | 41.2495% | 4,527 |
| Net loans and leases to core deposits | 43.9542% | 4,499 |
| Total domestic deposits to total assets | 78.3284% | 4,408 |
| Equity capital to assets | 10.5410% | 2,228 |
| Core capital (leverage) ratio | 9.6387% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,383,000 | 2,606 |
| Average earning assets | $242,039,500 | 2,667 |
| Average equity | $29,704,500 | 2,567 |
| Average total loans | $97,363,500 | 3,300 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 2,774 |
| Cost of funding earning assets | 0.4031% | 3,560 |
| Net interest margin | 3.5836% | 2,199 |
| Noninterest income to average assets | 0.2890% | 3,754 |
| Noninterest expense to average assets | 1.7346% | 4,565 |
| Loan and lease loss provision to assets | 0.0985% | 3,102 |
| Net operating income to assets | 1.7473% | 441 |
| Return on assets (ROA) | 1.8335% | 389 |
| Pretax return on assets | 1.8335% | 636 |
| Return on Equity (ROE) | 15.8610% | 516 |
| Retained earnings to average equity (ytd only) | 3.4335% | 3,109 |
| Net charge-offs to loans | 0.0037% | 3,234 |
| Credit loss provision to net charge-offs | 6,000.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 1,124.2500% | 99 |
| Efficiency ratio | 48.4466% | 4,615 |
| Assets per employee ($millions) | 7.4565% | 1,307 |
| Cash dividends to net income (ytd only)* | 78.3524% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1417% | 454 |
| Loan loss allowance to noncurrent loans | 109.6135% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 1,326 |
| Noncurrent loans to loans | 1.9539% | 603 |
| Net loans and leases to total assets | 38.7273% | 4,490 |
| Net loans and leases to deposits | 47.3862% | 4,418 |
| Net loans and leases to core deposits | 52.0456% | 4,339 |
| Total domestic deposits to total assets | 81.7271% | 3,727 |
| Equity capital to assets | 11.6248% | 1,793 |
| Core capital (leverage) ratio | 9.8324% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,627,000 | 2,628 |
| Average earning assets | $223,771,200 | 2,642 |
| Average equity | $28,163,400 | 2,593 |
| Average total loans | $107,193,800 | 3,137 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 2,547 |
| Cost of funding earning assets | 0.4472% | 3,538 |
| Net interest margin | 3.6948% | 1,963 |
| Noninterest income to average assets | 0.2981% | 3,700 |
| Noninterest expense to average assets | 1.6303% | 4,706 |
| Loan and lease loss provision to assets | 0.1003% | 3,067 |
| Net operating income to assets | 1.9647% | 319 |
| Return on assets (ROA) | 2.0610% | 284 |
| Pretax return on assets | 2.0610% | 456 |
| Return on Equity (ROE) | 17.8563% | 372 |
| Retained earnings to average equity (ytd only) | 0.9606% | 4,268 |
| Net charge-offs to loans | 0.0234% | 2,376 |
| Credit loss provision to net charge-offs | 947.3684% | 861 |
| Earnings coverage of net charge-offs (x) | 195.0526% | 502 |
| Efficiency ratio | 44.1194% | 4,785 |
| Assets per employee ($millions) | 7.1029% | 1,431 |
| Cash dividends to net income (ytd only)* | 94.6202% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 647 |
| Loan loss allowance to noncurrent loans | 101.0407% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 1,358 |
| Noncurrent loans to loans | 1.8322% | 717 |
| Net loans and leases to total assets | 45.5515% | 4,339 |
| Net loans and leases to deposits | 57.4765% | 4,187 |
| Net loans and leases to core deposits | 66.6420% | 3,855 |
| Total domestic deposits to total assets | 79.2524% | 4,011 |
| Equity capital to assets | 11.7787% | 1,819 |
| Core capital (leverage) ratio | 10.3523% | 2,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,289,750 | 2,630 |
| Average earning assets | $220,018,000 | 2,655 |
| Average equity | $27,619,750 | 2,613 |
| Average total loans | $108,172,000 | 3,124 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 2,266 |
| Cost of funding earning assets | 0.5124% | 3,460 |
| Net interest margin | 3.8636% | 1,656 |
| Noninterest income to average assets | 0.2904% | 3,726 |
| Noninterest expense to average assets | 1.6648% | 4,717 |
| Loan and lease loss provision to assets | 0.1016% | 2,997 |
| Net operating income to assets | 2.0933% | 268 |
| Return on assets (ROA) | 2.1009% | 297 |
| Pretax return on assets | 2.1009% | 441 |
| Return on Equity (ROE) | 18.3332% | 341 |
| Retained earnings to average equity (ytd only) | 4.6627% | 2,627 |
| Net charge-offs to loans | 0.1607% | 922 |
| Credit loss provision to net charge-offs | 141.1765% | 2,171 |
| Earnings coverage of net charge-offs (x) | 30.4941% | 1,421 |
| Efficiency ratio | 43.1330% | 4,831 |
| Assets per employee ($millions) | 7.0498% | 1,412 |
| Cash dividends to net income (ytd only)* | 74.5667% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7960% | 658 |
| Loan loss allowance to noncurrent loans | 86.7501% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9451% | 1,292 |
| Noncurrent loans to loans | 2.0703% | 635 |
| Net loans and leases to total assets | 44.5431% | 4,428 |
| Net loans and leases to deposits | 55.4484% | 4,316 |
| Net loans and leases to core deposits | 63.3649% | 4,110 |
| Total domestic deposits to total assets | 80.3326% | 3,765 |
| Equity capital to assets | 12.0729% | 1,617 |
| Core capital (leverage) ratio | 10.5473% | 2,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,185,667 | 2,631 |
| Average earning assets | $218,192,667 | 2,646 |
| Average equity | $27,065,667 | 2,638 |
| Average total loans | $105,770,000 | 3,153 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 3,211 |
| Cost of funding earning assets | 0.5913% | 3,480 |
| Net interest margin | 3.6078% | 2,641 |
| Noninterest income to average assets | 0.2720% | 3,904 |
| Noninterest expense to average assets | 1.5695% | 4,877 |
| Loan and lease loss provision to assets | 0.1039% | 2,382 |
| Net operating income to assets | 1.9280% | 312 |
| Return on assets (ROA) | 1.9298% | 342 |
| Pretax return on assets | 1.9298% | 536 |
| Return on Equity (ROE) | 17.3358% | 305 |
| Retained earnings to average equity (ytd only) | -2.8945% | 4,342 |
| Net charge-offs to loans | -0.0156% | 4,234 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5786% | 4,892 |
| Assets per employee ($millions) | 6.1889% | 1,528 |
| Cash dividends to net income (ytd only)* | 116.6966% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 511 |
| Loan loss allowance to noncurrent loans | 126.8035% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 1,893 |
| Noncurrent loans to loans | 1.5649% | 996 |
| Net loans and leases to total assets | 43.9831% | 4,506 |
| Net loans and leases to deposits | 53.1710% | 4,480 |
| Net loans and leases to core deposits | 60.4128% | 4,335 |
| Total domestic deposits to total assets | 82.7201% | 3,198 |
| Equity capital to assets | 10.4350% | 3,379 |
| Core capital (leverage) ratio | 10.5458% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,907,000 | 2,619 |
| Average earning assets | $213,095,500 | 2,639 |
| Average equity | $25,704,000 | 2,730 |
| Average total loans | $102,696,500 | 3,187 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 3,828 |
| Cost of funding earning assets | 0.6156% | 3,577 |
| Net interest margin | 3.5767% | 3,208 |
| Noninterest income to average assets | 0.3913% | 3,351 |
| Noninterest expense to average assets | 1.8071% | 4,764 |
| Loan and lease loss provision to assets | 0.3211% | 498 |
| Net operating income to assets | 1.5632% | 913 |
| Return on assets (ROA) | 1.7272% | 661 |
| Pretax return on assets | 1.7272% | 1,114 |
| Return on Equity (ROE) | 15.1142% | 669 |
| Retained earnings to average equity (ytd only) | 0.5543% | 4,535 |
| Net charge-offs to loans | 0.7560% | 220 |
| Credit loss provision to net charge-offs | 90.4645% | 2,648 |
| Earnings coverage of net charge-offs (x) | 5.3093% | 3,102 |
| Efficiency ratio | 48.9539% | 4,787 |
| Assets per employee ($millions) | 6.2926% | 1,426 |
| Cash dividends to net income (ytd only)* | 96.3326% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9242% | 527 |
| Loan loss allowance to noncurrent loans | 122.8234% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 1,857 |
| Noncurrent loans to loans | 1.5667% | 905 |
| Net loans and leases to total assets | 43.2353% | 4,632 |
| Net loans and leases to deposits | 51.6581% | 4,616 |
| Net loans and leases to core deposits | 60.3466% | 4,425 |
| Total domestic deposits to total assets | 83.6951% | 2,955 |
| Equity capital to assets | 11.8170% | 2,267 |
| Core capital (leverage) ratio | 10.7042% | 2,758 |
| Tier 1 risk-based capital ratio | 18.0668% | 1,742 |
| Total risk-based capital ratio | 19.3188% | 1,698 |
| Memoranda: | ||
| Average total assets | $230,486,000 | 2,573 |
| Average earning assets | $212,654,800 | 2,584 |
| Average equity | $26,339,400 | 2,608 |
| Average total loans | $108,202,000 | 3,113 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 3,913 |
| Cost of funding earning assets | 0.6082% | 3,653 |
| Net interest margin | 3.5942% | 3,266 |
| Noninterest income to average assets | 0.3787% | 3,443 |
| Noninterest expense to average assets | 1.6714% | 4,949 |
| Loan and lease loss provision to assets | 0.3944% | 330 |
| Net operating income to assets | 1.6407% | 843 |
| Return on assets (ROA) | 1.8431% | 590 |
| Pretax return on assets | 1.8431% | 993 |
| Return on Equity (ROE) | 16.2683% | 571 |
| Retained earnings to average equity (ytd only) | -3.3632% | 5,006 |
| Net charge-offs to loans | 0.4027% | 417 |
| Credit loss provision to net charge-offs | 205.4381% | 1,283 |
| Earnings coverage of net charge-offs (x) | 10.6013% | 2,489 |
| Efficiency ratio | 45.0947% | 4,974 |
| Assets per employee ($millions) | 6.2440% | 1,431 |
| Cash dividends to net income (ytd only)* | 120.6734% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 322 |
| Loan loss allowance to noncurrent loans | 41.7739% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.5010% | 275 |
| Noncurrent loans to loans | 5.3195% | 94 |
| Net loans and leases to total assets | 45.7479% | 4,614 |
| Net loans and leases to deposits | 54.4499% | 4,607 |
| Net loans and leases to core deposits | 64.4501% | 4,347 |
| Total domestic deposits to total assets | 84.0185% | 2,817 |
| Equity capital to assets | 11.5765% | 2,608 |
| Core capital (leverage) ratio | 10.4651% | 3,134 |
| Tier 1 risk-based capital ratio | 15.8327% | 2,502 |
| Total risk-based capital ratio | 17.0873% | 2,435 |
| Memoranda: | ||
| Average total assets | $229,901,000 | 2,606 |
| Average earning assets | $212,857,250 | 2,605 |
| Average equity | $26,046,000 | 2,640 |
| Average total loans | $109,593,000 | 3,132 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 3,345 |
| Cost of funding earning assets | 0.5748% | 3,772 |
| Net interest margin | 3.8209% | 2,515 |
| Noninterest income to average assets | 0.4148% | 3,171 |
| Noninterest expense to average assets | 1.6652% | 5,011 |
| Loan and lease loss provision to assets | 0.1046% | 1,789 |
| Net operating income to assets | 2.1897% | 273 |
| Return on assets (ROA) | 2.2037% | 280 |
| Pretax return on assets | 2.2037% | 442 |
| Return on Equity (ROE) | 19.5948% | 281 |
| Retained earnings to average equity (ytd only) | 2.1617% | 4,069 |
| Net charge-offs to loans | -0.0400% | 4,768 |
| Credit loss provision to net charge-offs | -545.4545% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0555% | 5,115 |
| Assets per employee ($millions) | 6.0037% | 1,542 |
| Cash dividends to net income (ytd only)* | 88.9680% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 436 |
| Loan loss allowance to noncurrent loans | 46.4944% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 2.0693% | 435 |
| Noncurrent loans to loans | 4.3926% | 142 |
| Net loans and leases to total assets | 46.1480% | 4,639 |
| Net loans and leases to deposits | 56.6093% | 4,571 |
| Net loans and leases to core deposits | 64.3050% | 4,402 |
| Total domestic deposits to total assets | 81.5201% | 3,659 |
| Equity capital to assets | 12.0312% | 2,159 |
| Core capital (leverage) ratio | 10.8794% | 2,710 |
| Tier 1 risk-based capital ratio | 16.7760% | 2,150 |
| Total risk-based capital ratio | 18.0290% | 2,092 |
| Memoranda: | ||
| Average total assets | $229,525,000 | 2,614 |
| Average earning assets | $212,935,670 | 2,613 |
| Average equity | $25,813,000 | 2,649 |
| Average total loans | $110,093,000 | 3,137 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 3,317 |
| Cost of funding earning assets | 0.5646% | 3,760 |
| Net interest margin | 3.8103% | 2,490 |
| Noninterest income to average assets | 0.2988% | 3,882 |
| Noninterest expense to average assets | 1.6246% | 5,080 |
| Loan and lease loss provision to assets | 0.1042% | 1,698 |
| Net operating income to assets | 2.0763% | 342 |
| Return on assets (ROA) | 2.0832% | 353 |
| Pretax return on assets | 2.0832% | 544 |
| Return on Equity (ROE) | 19.1875% | 313 |
| Retained earnings to average equity (ytd only) | -6.4172% | 4,987 |
| Net charge-offs to loans | -0.0539% | 4,858 |
| Credit loss provision to net charge-offs | -400.0000% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6941% | 5,145 |
| Assets per employee ($millions) | 6.2286% | 1,386 |
| Cash dividends to net income (ytd only)* | 133.4445% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 492 |
| Loan loss allowance to noncurrent loans | 51.1047% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.8068% | 578 |
| Noncurrent loans to loans | 3.9211% | 202 |
| Net loans and leases to total assets | 45.1558% | 4,698 |
| Net loans and leases to deposits | 53.0354% | 4,713 |
| Net loans and leases to core deposits | 61.5808% | 4,504 |
| Total domestic deposits to total assets | 85.1428% | 2,629 |
| Equity capital to assets | 10.9624% | 2,891 |
| Core capital (leverage) ratio | 10.4478% | 3,114 |
| Tier 1 risk-based capital ratio | 16.8833% | 2,140 |
| Total risk-based capital ratio | 18.1358% | 2,091 |
| Memoranda: | ||
| Average total assets | $230,217,500 | 2,638 |
| Average earning assets | $211,845,500 | 2,650 |
| Average equity | $24,995,500 | 2,715 |
| Average total loans | $111,401,000 | 3,146 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 3,496 |
| Cost of funding earning assets | 0.4193% | 3,868 |
| Net interest margin | 3.7613% | 2,819 |
| Noninterest income to average assets | 0.2897% | 4,166 |
| Noninterest expense to average assets | 1.7662% | 5,034 |
| Loan and lease loss provision to assets | 0.1062% | 2,080 |
| Net operating income to assets | 1.9245% | 418 |
| Return on assets (ROA) | 1.9630% | 387 |
| Pretax return on assets | 1.9630% | 607 |
| Return on Equity (ROE) | 18.4672% | 347 |
| Retained earnings to average equity (ytd only) | 2.5508% | 4,126 |
| Net charge-offs to loans | 0.1303% | 1,451 |
| Credit loss provision to net charge-offs | 169.0141% | 1,646 |
| Earnings coverage of net charge-offs (x) | 32.3310% | 1,521 |
| Efficiency ratio | 46.5168% | 5,103 |
| Assets per employee ($millions) | 6.3882% | 1,270 |
| Cash dividends to net income (ytd only)* | 86.1875% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 736 |
| Loan loss allowance to noncurrent loans | 77.5510% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.1506% | 1,152 |
| Noncurrent loans to loans | 2.2691% | 564 |
| Net loans and leases to total assets | 49.8124% | 4,536 |
| Net loans and leases to deposits | 58.7205% | 4,543 |
| Net loans and leases to core deposits | 69.8955% | 4,122 |
| Total domestic deposits to total assets | 84.8297% | 2,717 |
| Equity capital to assets | 10.7520% | 2,929 |
| Core capital (leverage) ratio | 10.6258% | 2,909 |
| Tier 1 risk-based capital ratio | 15.7644% | 2,506 |
| Total risk-based capital ratio | 17.0155% | 2,429 |
| Memoranda: | ||
| Average total assets | $226,084,200 | 2,642 |
| Average earning assets | $210,803,400 | 2,632 |
| Average equity | $24,031,800 | 2,728 |
| Average total loans | $109,000,200 | 3,145 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 3,454 |
| Cost of funding earning assets | 0.3710% | 4,040 |
| Net interest margin | 3.7800% | 2,714 |
| Noninterest income to average assets | 0.2932% | 4,190 |
| Noninterest expense to average assets | 1.5850% | 5,220 |
| Loan and lease loss provision to assets | 0.1066% | 1,878 |
| Net operating income to assets | 2.1198% | 297 |
| Return on assets (ROA) | 2.1719% | 270 |
| Pretax return on assets | 2.1719% | 416 |
| Return on Equity (ROE) | 20.4930% | 243 |
| Retained earnings to average equity (ytd only) | -0.8830% | 5,127 |
| Net charge-offs to loans | -0.0324% | 4,778 |
| Credit loss provision to net charge-offs | -692.3077% | 4,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5851% | 5,288 |
| Assets per employee ($millions) | 6.2533% | 1,309 |
| Cash dividends to net income (ytd only)* | 104.3087% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9233% | 562 |
| Loan loss allowance to noncurrent loans | 123.6978% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 1,919 |
| Noncurrent loans to loans | 1.5548% | 1,030 |
| Net loans and leases to total assets | 48.9523% | 4,667 |
| Net loans and leases to deposits | 56.8487% | 4,706 |
| Net loans and leases to core deposits | 64.0028% | 4,512 |
| Total domestic deposits to total assets | 86.1099% | 2,140 |
| Equity capital to assets | 10.0685% | 3,572 |
| Core capital (leverage) ratio | 10.4349% | 3,144 |
| Tier 1 risk-based capital ratio | 15.8797% | 2,490 |
| Total risk-based capital ratio | 17.1320% | 2,423 |
| Memoranda: | ||
| Average total assets | $225,111,500 | 2,665 |
| Average earning assets | $209,517,000 | 2,656 |
| Average equity | $23,858,000 | 2,752 |
| Average total loans | $107,098,250 | 3,210 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 3,523 |
| Cost of funding earning assets | 0.3262% | 4,229 |
| Net interest margin | 3.7550% | 2,732 |
| Noninterest income to average assets | 0.2923% | 4,225 |
| Noninterest expense to average assets | 1.5797% | 5,286 |
| Loan and lease loss provision to assets | 0.1066% | 1,839 |
| Net operating income to assets | 2.0932% | 315 |
| Return on assets (ROA) | 2.1207% | 293 |
| Pretax return on assets | 2.1207% | 467 |
| Return on Equity (ROE) | 19.6823% | 287 |
| Retained earnings to average equity (ytd only) | 1.1296% | 4,729 |
| Net charge-offs to loans | -0.0247% | 4,659 |
| Credit loss provision to net charge-offs | -923.0769% | 4,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7960% | 5,356 |
| Assets per employee ($millions) | 6.6847% | 1,081 |
| Cash dividends to net income (ytd only)* | 94.2606% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 539 |
| Loan loss allowance to noncurrent loans | 90.6644% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 1,486 |
| Noncurrent loans to loans | 2.1799% | 648 |
| Net loans and leases to total assets | 45.5654% | 4,850 |
| Net loans and leases to deposits | 53.2820% | 4,865 |
| Net loans and leases to core deposits | 60.0622% | 4,703 |
| Total domestic deposits to total assets | 85.5174% | 2,487 |
| Equity capital to assets | 10.4954% | 3,122 |
| Core capital (leverage) ratio | 10.6214% | 2,898 |
| Tier 1 risk-based capital ratio | 16.4084% | 2,289 |
| Total risk-based capital ratio | 17.6604% | 2,233 |
| Memoranda: | ||
| Average total assets | $225,109,670 | 2,678 |
| Average earning assets | $209,054,330 | 2,677 |
| Average equity | $24,255,330 | 2,731 |
| Average total loans | $105,344,000 | 3,243 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 3,511 |
| Cost of funding earning assets | 0.2811% | 4,497 |
| Net interest margin | 3.7473% | 2,625 |
| Noninterest income to average assets | 0.3267% | 3,968 |
| Noninterest expense to average assets | 1.5623% | 5,345 |
| Loan and lease loss provision to assets | 0.1071% | 1,745 |
| Net operating income to assets | 2.1319% | 275 |
| Return on assets (ROA) | 2.1801% | 256 |
| Pretax return on assets | 2.1801% | 393 |
| Return on Equity (ROE) | 19.9706% | 248 |
| Retained earnings to average equity (ytd only) | -7.0167% | 5,285 |
| Net charge-offs to loans | -0.0304% | 4,745 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0991% | 5,432 |
| Assets per employee ($millions) | 6.2612% | 1,330 |
| Cash dividends to net income (ytd only)* | 135.1351% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 562 |
| Loan loss allowance to noncurrent loans | 108.5883% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 1,911 |
| Noncurrent loans to loans | 1.8276% | 909 |
| Net loans and leases to total assets | 44.3279% | 4,881 |
| Net loans and leases to deposits | 51.2046% | 4,917 |
| Net loans and leases to core deposits | 57.9509% | 4,757 |
| Total domestic deposits to total assets | 86.5702% | 2,280 |
| Equity capital to assets | 10.4786% | 3,098 |
| Core capital (leverage) ratio | 10.4549% | 3,002 |
| Tier 1 risk-based capital ratio | 16.4555% | 2,288 |
| Total risk-based capital ratio | 17.7077% | 2,237 |
| Memoranda: | ||
| Average total assets | $224,024,500 | 2,714 |
| Average earning assets | $207,725,500 | 2,716 |
| Average equity | $24,456,000 | 2,725 |
| Average total loans | $105,191,500 | 3,272 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 2,990 |
| Cost of funding earning assets | 0.2870% | 4,258 |
| Net interest margin | 3.8314% | 2,313 |
| Noninterest income to average assets | 0.2849% | 4,424 |
| Noninterest expense to average assets | 1.7578% | 5,276 |
| Loan and lease loss provision to assets | 0.1068% | 2,098 |
| Net operating income to assets | 1.9977% | 287 |
| Return on assets (ROA) | 2.0641% | 255 |
| Pretax return on assets | 2.0641% | 423 |
| Return on Equity (ROE) | 18.6459% | 263 |
| Retained earnings to average equity (ytd only) | 2.9636% | 3,524 |
| Net charge-offs to loans | 0.0202% | 3,432 |
| Credit loss provision to net charge-offs | 1,090.9091% | 330 |
| Earnings coverage of net charge-offs (x) | 214.9091% | 374 |
| Efficiency ratio | 45.5111% | 5,407 |
| Assets per employee ($millions) | 6.1846% | 1,392 |
| Cash dividends to net income (ytd only)* | 84.1061% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 774 |
| Loan loss allowance to noncurrent loans | 138.3581% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 2,426 |
| Noncurrent loans to loans | 1.3030% | 1,337 |
| Net loans and leases to total assets | 47.8286% | 4,778 |
| Net loans and leases to deposits | 56.3073% | 4,784 |
| Net loans and leases to core deposits | 62.3242% | 4,640 |
| Total domestic deposits to total assets | 84.9421% | 2,860 |
| Equity capital to assets | 11.3601% | 2,318 |
| Core capital (leverage) ratio | 10.7153% | 2,629 |
| Tier 1 risk-based capital ratio | 16.7205% | 2,187 |
| Total risk-based capital ratio | 17.9720% | 2,137 |
| Memoranda: | ||
| Average total assets | $224,655,000 | 2,684 |
| Average earning assets | $209,766,600 | 2,669 |
| Average equity | $24,868,800 | 2,684 |
| Average total loans | $108,913,400 | 3,202 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1162% | 2,934 |
| Cost of funding earning assets | 0.2832% | 4,287 |
| Net interest margin | 3.8330% | 2,275 |
| Noninterest income to average assets | 0.2884% | 4,465 |
| Noninterest expense to average assets | 1.5876% | 5,462 |
| Loan and lease loss provision to assets | 0.1066% | 1,991 |
| Net operating income to assets | 2.1691% | 228 |
| Return on assets (ROA) | 2.2496% | 194 |
| Pretax return on assets | 2.2496% | 323 |
| Return on Equity (ROE) | 20.4550% | 203 |
| Retained earnings to average equity (ytd only) | -0.5438% | 5,296 |
| Net charge-offs to loans | -0.0171% | 4,798 |
| Credit loss provision to net charge-offs | -1,285.7143% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0944% | 5,554 |
| Assets per employee ($millions) | 6.2768% | 1,321 |
| Cash dividends to net income (ytd only)* | 102.6585% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7957% | 856 |
| Loan loss allowance to noncurrent loans | 150.1555% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 2,820 |
| Noncurrent loans to loans | 1.1959% | 1,600 |
| Net loans and leases to total assets | 46.7360% | 4,896 |
| Net loans and leases to deposits | 54.2939% | 4,949 |
| Net loans and leases to core deposits | 60.4832% | 4,793 |
| Total domestic deposits to total assets | 86.0796% | 2,277 |
| Equity capital to assets | 11.0655% | 2,803 |
| Core capital (leverage) ratio | 10.2187% | 3,293 |
| Tier 1 risk-based capital ratio | 16.3693% | 2,360 |
| Total risk-based capital ratio | 17.6206% | 2,309 |
| Memoranda: | ||
| Average total assets | $225,157,000 | 2,703 |
| Average earning assets | $209,996,250 | 2,682 |
| Average equity | $24,762,750 | 2,707 |
| Average total loans | $109,030,750 | 3,223 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 2,873 |
| Cost of funding earning assets | 0.2797% | 4,293 |
| Net interest margin | 3.8063% | 2,264 |
| Noninterest income to average assets | 0.2917% | 4,469 |
| Noninterest expense to average assets | 1.5866% | 5,506 |
| Loan and lease loss provision to assets | 0.1067% | 1,903 |
| Net operating income to assets | 2.1442% | 240 |
| Return on assets (ROA) | 2.2322% | 202 |
| Pretax return on assets | 2.2322% | 335 |
| Return on Equity (ROE) | 20.3384% | 206 |
| Retained earnings to average equity (ytd only) | 2.5119% | 4,184 |
| Net charge-offs to loans | -0.0146% | 4,656 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3441% | 5,595 |
| Assets per employee ($millions) | 5.9637% | 1,492 |
| Cash dividends to net income (ytd only)* | 87.6494% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7623% | 960 |
| Loan loss allowance to noncurrent loans | 162.4564% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 3,028 |
| Noncurrent loans to loans | 1.0848% | 1,811 |
| Net loans and leases to total assets | 47.1150% | 4,875 |
| Net loans and leases to deposits | 54.6259% | 4,926 |
| Net loans and leases to core deposits | 61.4889% | 4,742 |
| Total domestic deposits to total assets | 86.2502% | 2,269 |
| Equity capital to assets | 11.6551% | 2,185 |
| Core capital (leverage) ratio | 10.5897% | 2,826 |
| Tier 1 risk-based capital ratio | 16.9135% | 2,174 |
| Total risk-based capital ratio | 18.1648% | 2,135 |
| Memoranda: | ||
| Average total assets | $224,888,330 | 2,723 |
| Average earning assets | $209,496,330 | 2,704 |
| Average equity | $24,682,330 | 2,724 |
| Average total loans | $109,528,670 | 3,231 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 3,048 |
| Cost of funding earning assets | 0.2737% | 4,319 |
| Net interest margin | 3.7241% | 2,404 |
| Noninterest income to average assets | 0.3137% | 4,307 |
| Noninterest expense to average assets | 1.5454% | 5,606 |
| Loan and lease loss provision to assets | 0.1057% | 1,809 |
| Net operating income to assets | 2.1145% | 255 |
| Return on assets (ROA) | 2.2449% | 216 |
| Pretax return on assets | 2.2449% | 329 |
| Return on Equity (ROE) | 21.0888% | 189 |
| Retained earnings to average equity (ytd only) | -2.4995% | 5,219 |
| Net charge-offs to loans | 0.0144% | 2,512 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 193 |
| Efficiency ratio | 41.0388% | 5,670 |
| Assets per employee ($millions) | 6.2246% | 1,354 |
| Cash dividends to net income (ytd only)* | 111.8524% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 1,214 |
| Loan loss allowance to noncurrent loans | 150.7149% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5306% | 3,108 |
| Noncurrent loans to loans | 1.1068% | 1,849 |
| Net loans and leases to total assets | 47.1417% | 4,882 |
| Net loans and leases to deposits | 54.9829% | 4,880 |
| Net loans and leases to core deposits | 61.8379% | 4,666 |
| Total domestic deposits to total assets | 85.7388% | 2,780 |
| Equity capital to assets | 10.7817% | 2,878 |
| Core capital (leverage) ratio | 10.2224% | 3,218 |
| Tier 1 risk-based capital ratio | 16.3457% | 2,414 |
| Total risk-based capital ratio | 17.5958% | 2,360 |
| Memoranda: | ||
| Average total assets | $227,003,500 | 2,732 |
| Average earning assets | $210,415,500 | 2,719 |
| Average equity | $24,164,500 | 2,775 |
| Average total loans | $111,379,000 | 3,227 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 2,513 |
| Cost of funding earning assets | 0.2694% | 4,373 |
| Net interest margin | 3.9223% | 1,886 |
| Noninterest income to average assets | 0.2645% | 4,835 |
| Noninterest expense to average assets | 1.8409% | 5,438 |
| Loan and lease loss provision to assets | 0.1130% | 2,180 |
| Net operating income to assets | 1.9618% | 348 |
| Return on assets (ROA) | 2.0172% | 318 |
| Pretax return on assets | 2.0172% | 479 |
| Return on Equity (ROE) | 17.6914% | 349 |
| Retained earnings to average equity (ytd only) | 1.6631% | 4,583 |
| Net charge-offs to loans | 0.3390% | 807 |
| Credit loss provision to net charge-offs | 66.5796% | 3,168 |
| Earnings coverage of net charge-offs (x) | 12.2272% | 2,472 |
| Efficiency ratio | 47.0129% | 5,609 |
| Assets per employee ($millions) | 6.2141% | 1,322 |
| Cash dividends to net income (ytd only)* | 90.5996% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,638 |
| Loan loss allowance to noncurrent loans | 146.9146% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 3,206 |
| Noncurrent loans to loans | 1.0258% | 2,034 |
| Net loans and leases to total assets | 49.4039% | 4,803 |
| Net loans and leases to deposits | 60.2170% | 4,657 |
| Net loans and leases to core deposits | 68.5022% | 4,358 |
| Total domestic deposits to total assets | 82.0431% | 4,062 |
| Equity capital to assets | 10.5118% | 3,143 |
| Core capital (leverage) ratio | 10.2726% | 3,139 |
| Tier 1 risk-based capital ratio | 15.7104% | 2,667 |
| Total risk-based capital ratio | 16.8973% | 2,614 |
| Memoranda: | ||
| Average total assets | $225,708,800 | 2,706 |
| Average earning assets | $210,106,400 | 2,696 |
| Average equity | $25,735,600 | 2,658 |
| Average total loans | $112,984,400 | 3,176 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 2,468 |
| Cost of funding earning assets | 0.2711% | 4,377 |
| Net interest margin | 3.9424% | 1,843 |
| Noninterest income to average assets | 0.2736% | 4,815 |
| Noninterest expense to average assets | 1.5561% | 5,722 |
| Loan and lease loss provision to assets | 0.1068% | 2,148 |
| Net operating income to assets | 2.2873% | 215 |
| Return on assets (ROA) | 2.3472% | 208 |
| Pretax return on assets | 2.3472% | 283 |
| Return on Equity (ROE) | 20.1828% | 232 |
| Retained earnings to average equity (ytd only) | -0.8675% | 5,482 |
| Net charge-offs to loans | 0.4721% | 447 |
| Credit loss provision to net charge-offs | 45.2261% | 3,092 |
| Earnings coverage of net charge-offs (x) | 10.1357% | 2,609 |
| Efficiency ratio | 39.3930% | 5,843 |
| Assets per employee ($millions) | 6.1130% | 1,343 |
| Cash dividends to net income (ytd only)* | 104.2983% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 1,960 |
| Loan loss allowance to noncurrent loans | 136.7635% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 3,325 |
| Noncurrent loans to loans | 1.0631% | 2,122 |
| Net loans and leases to total assets | 49.3866% | 4,867 |
| Net loans and leases to deposits | 57.3954% | 4,910 |
| Net loans and leases to core deposits | 66.0097% | 4,604 |
| Total domestic deposits to total assets | 86.0461% | 2,327 |
| Equity capital to assets | 11.5695% | 2,456 |
| Core capital (leverage) ratio | 10.2959% | 3,233 |
| Tier 1 risk-based capital ratio | 15.6074% | 2,789 |
| Total risk-based capital ratio | 16.7552% | 2,758 |
| Memoranda: | ||
| Average total assets | $224,655,250 | 2,722 |
| Average earning assets | $209,513,000 | 2,709 |
| Average equity | $26,127,250 | 2,647 |
| Average total loans | $112,398,250 | 3,190 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 2,405 |
| Cost of funding earning assets | 0.2843% | 4,301 |
| Net interest margin | 3.9462% | 1,822 |
| Noninterest income to average assets | 0.2748% | 4,820 |
| Noninterest expense to average assets | 1.5517% | 5,800 |
| Loan and lease loss provision to assets | 0.0937% | 2,280 |
| Net operating income to assets | 2.3074% | 196 |
| Return on assets (ROA) | 2.3868% | 183 |
| Pretax return on assets | 2.3868% | 262 |
| Return on Equity (ROE) | 20.4874% | 220 |
| Retained earnings to average equity (ytd only) | 1.7232% | 4,700 |
| Net charge-offs to loans | -0.0410% | 5,284 |
| Credit loss provision to net charge-offs | -456.5217% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2551% | 5,922 |
| Assets per employee ($millions) | 6.0059% | 1,395 |
| Cash dividends to net income (ytd only)* | 91.5888% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 1,045 |
| Loan loss allowance to noncurrent loans | 122.6462% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7313% | 2,794 |
| Noncurrent loans to loans | 1.4859% | 1,478 |
| Net loans and leases to total assets | 48.3183% | 4,966 |
| Net loans and leases to deposits | 56.5893% | 4,978 |
| Net loans and leases to core deposits | 62.1387% | 4,876 |
| Total domestic deposits to total assets | 85.3842% | 2,695 |
| Equity capital to assets | 12.1993% | 1,971 |
| Core capital (leverage) ratio | 10.3381% | 3,149 |
| Tier 1 risk-based capital ratio | 16.2777% | 2,514 |
| Total risk-based capital ratio | 17.5298% | 2,459 |
| Memoranda: | ||
| Average total assets | $224,146,670 | 2,742 |
| Average earning assets | $208,909,330 | 2,720 |
| Average equity | $26,113,670 | 2,658 |
| Average total loans | $112,080,670 | 3,203 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 2,338 |
| Cost of funding earning assets | 0.2804% | 4,385 |
| Net interest margin | 3.9575% | 1,756 |
| Noninterest income to average assets | 0.3003% | 4,578 |
| Noninterest expense to average assets | 1.5459% | 5,871 |
| Loan and lease loss provision to assets | 0.0533% | 2,873 |
| Net operating income to assets | 2.3882% | 184 |
| Return on assets (ROA) | 2.5179% | 156 |
| Pretax return on assets | 2.5179% | 232 |
| Return on Equity (ROE) | 22.1268% | 156 |
| Retained earnings to average equity (ytd only) | -3.6384% | 5,525 |
| Net charge-offs to loans | -0.0423% | 5,252 |
| Credit loss provision to net charge-offs | -250.0000% | 4,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7701% | 5,988 |
| Assets per employee ($millions) | 6.2129% | 1,263 |
| Cash dividends to net income (ytd only)* | 116.4432% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 1,305 |
| Loan loss allowance to noncurrent loans | 939.4089% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 5,222 |
| Noncurrent loans to loans | 0.1835% | 4,755 |
| Net loans and leases to total assets | 48.5995% | 4,921 |
| Net loans and leases to deposits | 57.1072% | 4,911 |
| Net loans and leases to core deposits | 61.1669% | 4,860 |
| Total domestic deposits to total assets | 85.1021% | 3,089 |
| Equity capital to assets | 11.4498% | 2,485 |
| Core capital (leverage) ratio | 10.0528% | 3,472 |
| Tier 1 risk-based capital ratio | 15.7496% | 2,809 |
| Total risk-based capital ratio | 17.0008% | 2,740 |
| Memoranda: | ||
| Average total assets | $225,111,000 | 2,731 |
| Average earning assets | $209,726,000 | 2,720 |
| Average equity | $25,616,000 | 2,697 |
| Average total loans | $113,438,500 | 3,193 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 2,721 |
| Cost of funding earning assets | 0.2988% | 4,260 |
| Net interest margin | 3.8561% | 2,177 |
| Noninterest income to average assets | 0.2627% | 5,007 |
| Noninterest expense to average assets | 1.7048% | 5,835 |
| Loan and lease loss provision to assets | 0.0534% | 3,249 |
| Net operating income to assets | 2.0721% | 307 |
| Return on assets (ROA) | 2.2142% | 253 |
| Pretax return on assets | 2.2142% | 334 |
| Return on Equity (ROE) | 20.0114% | 254 |
| Retained earnings to average equity (ytd only) | 4.1970% | 3,001 |
| Net charge-offs to loans | -0.1079% | 5,799 |
| Credit loss provision to net charge-offs | -105.2632% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5077% | 5,966 |
| Assets per employee ($millions) | 5.9621% | 1,413 |
| Cash dividends to net income (ytd only)* | 79.0267% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,601 |
| Loan loss allowance to noncurrent loans | 867.4419% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 5,239 |
| Noncurrent loans to loans | 0.1849% | 4,747 |
| Net loans and leases to total assets | 50.4972% | 4,826 |
| Net loans and leases to deposits | 58.8239% | 4,858 |
| Net loans and leases to core deposits | 62.6985% | 4,828 |
| Total domestic deposits to total assets | 85.8447% | 2,715 |
| Equity capital to assets | 11.3096% | 2,531 |
| Core capital (leverage) ratio | 10.0896% | 3,389 |
| Tier 1 risk-based capital ratio | 15.4036% | 2,984 |
| Total risk-based capital ratio | 16.6542% | 2,920 |
| Memoranda: | ||
| Average total assets | $224,598,200 | 2,707 |
| Average earning assets | $207,801,600 | 2,696 |
| Average equity | $24,850,800 | 2,707 |
| Average total loans | $105,623,000 | 3,289 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 2,746 |
| Cost of funding earning assets | 0.3038% | 4,296 |
| Net interest margin | 3.8469% | 2,206 |
| Noninterest income to average assets | 0.2642% | 5,048 |
| Noninterest expense to average assets | 1.5421% | 6,014 |
| Loan and lease loss provision to assets | 0.0535% | 3,125 |
| Net operating income to assets | 2.2167% | 254 |
| Return on assets (ROA) | 2.3916% | 197 |
| Pretax return on assets | 2.3916% | 291 |
| Return on Equity (ROE) | 21.7371% | 198 |
| Retained earnings to average equity (ytd only) | 0.4867% | 5,483 |
| Net charge-offs to loans | -0.1321% | 5,884 |
| Credit loss provision to net charge-offs | -88.2353% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4494% | 6,122 |
| Assets per employee ($millions) | 6.2410% | 1,210 |
| Cash dividends to net income (ytd only)* | 97.7611% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 1,470 |
| Loan loss allowance to noncurrent loans | 762.3431% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 5,279 |
| Noncurrent loans to loans | 0.2227% | 4,765 |
| Net loans and leases to total assets | 45.6809% | 5,249 |
| Net loans and leases to deposits | 53.4754% | 5,287 |
| Net loans and leases to core deposits | 57.7055% | 5,205 |
| Total domestic deposits to total assets | 85.4242% | 2,817 |
| Equity capital to assets | 10.6307% | 3,434 |
| Core capital (leverage) ratio | 9.7338% | 3,992 |
| Tier 1 risk-based capital ratio | 15.5953% | 2,999 |
| Total risk-based capital ratio | 16.8458% | 2,932 |
| Memoranda: | ||
| Average total assets | $224,108,000 | 2,736 |
| Average earning assets | $206,705,000 | 2,728 |
| Average equity | $24,657,750 | 2,743 |
| Average total loans | $102,961,000 | 3,368 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1277% | 2,794 |
| Cost of funding earning assets | 0.3064% | 4,326 |
| Net interest margin | 3.8212% | 2,237 |
| Noninterest income to average assets | 0.2633% | 5,064 |
| Noninterest expense to average assets | 1.5462% | 6,087 |
| Loan and lease loss provision to assets | 0.0541% | 3,033 |
| Net operating income to assets | 2.2043% | 256 |
| Return on assets (ROA) | 2.2800% | 240 |
| Pretax return on assets | 2.2800% | 350 |
| Return on Equity (ROE) | 20.4824% | 250 |
| Retained earnings to average equity (ytd only) | 2.7456% | 4,308 |
| Net charge-offs to loans | -0.1714% | 5,979 |
| Credit loss provision to net charge-offs | -68.9655% | 4,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6398% | 6,196 |
| Assets per employee ($millions) | 5.8492% | 1,465 |
| Cash dividends to net income (ytd only)* | 86.5955% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 1,526 |
| Loan loss allowance to noncurrent loans | 740.4167% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 5,428 |
| Noncurrent loans to loans | 0.2348% | 4,828 |
| Net loans and leases to total assets | 45.1941% | 5,308 |
| Net loans and leases to deposits | 53.2210% | 5,305 |
| Net loans and leases to core deposits | 57.3392% | 5,232 |
| Total domestic deposits to total assets | 84.9178% | 3,150 |
| Equity capital to assets | 10.8027% | 3,104 |
| Core capital (leverage) ratio | 9.9799% | 3,634 |
| Tier 1 risk-based capital ratio | 16.4587% | 2,629 |
| Total risk-based capital ratio | 17.7100% | 2,584 |
| Memoranda: | ||
| Average total assets | $221,838,330 | 2,776 |
| Average earning assets | $205,588,330 | 2,750 |
| Average equity | $24,694,330 | 2,749 |
| Average total loans | $101,512,330 | 3,411 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 2,805 |
| Cost of funding earning assets | 0.3075% | 4,362 |
| Net interest margin | 3.7985% | 2,240 |
| Noninterest income to average assets | 0.2581% | 5,108 |
| Noninterest expense to average assets | 1.5414% | 6,151 |
| Loan and lease loss provision to assets | 0.0541% | 2,857 |
| Net operating income to assets | 2.1857% | 233 |
| Return on assets (ROA) | 2.1983% | 246 |
| Pretax return on assets | 2.1983% | 392 |
| Return on Equity (ROE) | 19.4600% | 294 |
| Retained earnings to average equity (ytd only) | -4.5055% | 5,895 |
| Net charge-offs to loans | -0.2847% | 6,134 |
| Credit loss provision to net charge-offs | -41.6667% | 4,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7637% | 6,250 |
| Assets per employee ($millions) | 6.2754% | 1,205 |
| Cash dividends to net income (ytd only)* | 123.1527% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7808% | 1,537 |
| Loan loss allowance to noncurrent loans | 698.7903% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1098% | 5,516 |
| Noncurrent loans to loans | 0.2548% | 4,873 |
| Net loans and leases to total assets | 42.3105% | 5,463 |
| Net loans and leases to deposits | 50.7373% | 5,410 |
| Net loans and leases to core deposits | 54.5427% | 5,342 |
| Total domestic deposits to total assets | 83.3914% | 4,049 |
| Equity capital to assets | 11.1007% | 2,860 |
| Core capital (leverage) ratio | 9.6310% | 4,110 |
| Tier 1 risk-based capital ratio | 15.8979% | 2,971 |
| Total risk-based capital ratio | 17.1629% | 2,906 |
| Memoranda: | ||
| Average total assets | $221,623,500 | 2,791 |
| Average earning assets | $205,557,000 | 2,776 |
| Average equity | $25,036,000 | 2,745 |
| Average total loans | $101,154,000 | 3,431 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 2,627 |
| Cost of funding earning assets | 0.3255% | 4,533 |
| Net interest margin | 3.9684% | 1,983 |
| Noninterest income to average assets | 0.2775% | 5,129 |
| Noninterest expense to average assets | 1.6715% | 6,186 |
| Loan and lease loss provision to assets | 0.0538% | 3,483 |
| Net operating income to assets | 2.2418% | 203 |
| Return on assets (ROA) | 2.1705% | 240 |
| Pretax return on assets | 2.1705% | 342 |
| Return on Equity (ROE) | 21.3363% | 194 |
| Retained earnings to average equity (ytd only) | 4.1474% | 3,247 |
| Net charge-offs to loans | 0.8461% | 399 |
| Credit loss provision to net charge-offs | 13.9697% | 4,057 |
| Earnings coverage of net charge-offs (x) | 5.9604% | 3,308 |
| Efficiency ratio | 42.1338% | 6,364 |
| Assets per employee ($millions) | 6.0371% | 1,350 |
| Cash dividends to net income (ytd only)* | 80.5619% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 2,244 |
| Loan loss allowance to noncurrent loans | 624.9042% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 5,551 |
| Noncurrent loans to loans | 0.2486% | 4,939 |
| Net loans and leases to total assets | 47.5577% | 5,193 |
| Net loans and leases to deposits | 56.1822% | 5,174 |
| Net loans and leases to core deposits | 63.5285% | 4,869 |
| Total domestic deposits to total assets | 84.6490% | 3,439 |
| Equity capital to assets | 11.5003% | 2,427 |
| Core capital (leverage) ratio | 9.8840% | 3,732 |
| Tier 1 risk-based capital ratio | 17.2197% | 2,416 |
| Total risk-based capital ratio | 18.4711% | 2,373 |
| Memoranda: | ||
| Average total assets | $223,035,800 | 2,750 |
| Average earning assets | $207,360,800 | 2,732 |
| Average equity | $22,689,000 | 2,882 |
| Average total loans | $101,525,000 | 3,390 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 2,835 |
| Cost of funding earning assets | 0.3245% | 4,621 |
| Net interest margin | 3.9165% | 2,172 |
| Noninterest income to average assets | 0.2679% | 5,288 |
| Noninterest expense to average assets | 1.5218% | 6,343 |
| Loan and lease loss provision to assets | 0.0535% | 3,305 |
| Net operating income to assets | 2.3344% | 185 |
| Return on assets (ROA) | 2.2400% | 228 |
| Pretax return on assets | 2.2400% | 342 |
| Return on Equity (ROE) | 22.7374% | 164 |
| Retained earnings to average equity (ytd only) | -0.7778% | 5,928 |
| Net charge-offs to loans | 1.1391% | 247 |
| Credit loss provision to net charge-offs | 10.4651% | 3,699 |
| Earnings coverage of net charge-offs (x) | 4.6744% | 3,399 |
| Efficiency ratio | 38.9243% | 6,474 |
| Assets per employee ($millions) | 6.0237% | 1,319 |
| Cash dividends to net income (ytd only)* | 103.4209% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5298% | 2,578 |
| Loan loss allowance to noncurrent loans | 577.6173% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 5,669 |
| Noncurrent loans to loans | 0.2648% | 5,116 |
| Net loans and leases to total assets | 46.2098% | 5,356 |
| Net loans and leases to deposits | 54.5246% | 5,338 |
| Net loans and leases to core deposits | 61.7633% | 5,052 |
| Total domestic deposits to total assets | 84.7503% | 3,442 |
| Equity capital to assets | 10.5166% | 3,533 |
| Core capital (leverage) ratio | 9.3493% | 4,570 |
| Tier 1 risk-based capital ratio | 16.0070% | 3,055 |
| Total risk-based capital ratio | 17.2585% | 3,009 |
| Memoranda: | ||
| Average total assets | $224,461,250 | 2,765 |
| Average earning assets | $208,716,000 | 2,737 |
| Average equity | $22,112,750 | 2,944 |
| Average total loans | $100,658,750 | 3,434 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 3,038 |
| Cost of funding earning assets | 0.3252% | 4,702 |
| Net interest margin | 3.8528% | 2,367 |
| Noninterest income to average assets | 0.2720% | 5,256 |
| Noninterest expense to average assets | 1.5307% | 6,400 |
| Loan and lease loss provision to assets | 0.0533% | 3,233 |
| Net operating income to assets | 2.2686% | 199 |
| Return on assets (ROA) | 2.1468% | 269 |
| Pretax return on assets | 2.1468% | 410 |
| Return on Equity (ROE) | 22.2882% | 187 |
| Retained earnings to average equity (ytd only) | 1.9842% | 4,885 |
| Net charge-offs to loans | -0.0302% | 5,690 |
| Credit loss provision to net charge-offs | -400.0000% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7323% | 6,525 |
| Assets per employee ($millions) | 6.2380% | 1,150 |
| Cash dividends to net income (ytd only)* | 91.0973% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4248% | 789 |
| Loan loss allowance to noncurrent loans | 209.5116% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 4,441 |
| Noncurrent loans to loans | 1.1573% | 2,911 |
| Net loans and leases to total assets | 43.8130% | 5,547 |
| Net loans and leases to deposits | 50.9994% | 5,559 |
| Net loans and leases to core deposits | 58.4607% | 5,237 |
| Total domestic deposits to total assets | 85.9089% | 3,089 |
| Equity capital to assets | 10.2989% | 3,697 |
| Core capital (leverage) ratio | 9.3018% | 4,588 |
| Tier 1 risk-based capital ratio | 16.6343% | 2,769 |
| Total risk-based capital ratio | 17.8790% | 2,736 |
| Memoranda: | ||
| Average total assets | $224,989,330 | 2,768 |
| Average earning assets | $209,095,000 | 2,750 |
| Average equity | $21,670,670 | 2,983 |
| Average total loans | $99,348,000 | 3,466 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 3,059 |
| Cost of funding earning assets | 0.3274% | 4,765 |
| Net interest margin | 3.8268% | 2,361 |
| Noninterest income to average assets | 0.2877% | 5,072 |
| Noninterest expense to average assets | 1.5187% | 6,486 |
| Loan and lease loss provision to assets | 0.0533% | 3,044 |
| Net operating income to assets | 2.2664% | 211 |
| Return on assets (ROA) | 1.9982% | 355 |
| Pretax return on assets | 1.9982% | 534 |
| Return on Equity (ROE) | 21.4879% | 225 |
| Retained earnings to average equity (ytd only) | -7.1626% | 6,253 |
| Net charge-offs to loans | -0.0122% | 5,123 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5650% | 6,596 |
| Assets per employee ($millions) | 6.3941% | 1,062 |
| Cash dividends to net income (ytd only)* | 133.3333% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4822% | 823 |
| Loan loss allowance to noncurrent loans | 197.2906% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 4,560 |
| Noncurrent loans to loans | 1.2581% | 2,933 |
| Net loans and leases to total assets | 41.0128% | 5,747 |
| Net loans and leases to deposits | 48.1325% | 5,721 |
| Net loans and leases to core deposits | 55.2356% | 5,419 |
| Total domestic deposits to total assets | 85.2082% | 3,775 |
| Equity capital to assets | 9.3415% | 4,711 |
| Core capital (leverage) ratio | 8.8714% | 5,169 |
| Tier 1 risk-based capital ratio | 16.3699% | 2,960 |
| Total risk-based capital ratio | 17.6508% | 2,918 |
| Memoranda: | ||
| Average total assets | $225,200,000 | 2,775 |
| Average earning assets | $208,948,500 | 2,761 |
| Average equity | $20,942,000 | 3,059 |
| Average total loans | $98,604,500 | 3,499 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2354% | 3,214 |
| Cost of funding earning assets | 0.3950% | 4,700 |
| Net interest margin | 3.8404% | 2,501 |
| Noninterest income to average assets | 0.3340% | 4,948 |
| Noninterest expense to average assets | 1.7210% | 6,421 |
| Loan and lease loss provision to assets | 0.1300% | 2,688 |
| Net operating income to assets | 2.0550% | 308 |
| Return on assets (ROA) | 2.0135% | 331 |
| Pretax return on assets | 2.0135% | 458 |
| Return on Equity (ROE) | 20.6884% | 253 |
| Retained earnings to average equity (ytd only) | 3.0655% | 4,044 |
| Net charge-offs to loans | -0.0291% | 6,222 |
| Credit loss provision to net charge-offs | -1,028.5714% | 6,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0606% | 6,617 |
| Assets per employee ($millions) | 5.9516% | 1,300 |
| Cash dividends to net income (ytd only)* | 85.1827% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3606% | 969 |
| Loan loss allowance to noncurrent loans | 187.6485% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 4,512 |
| Noncurrent loans to loans | 1.2580% | 3,024 |
| Net loans and leases to total assets | 44.5159% | 5,628 |
| Net loans and leases to deposits | 50.9244% | 5,699 |
| Net loans and leases to core deposits | 59.2077% | 5,280 |
| Total domestic deposits to total assets | 87.4157% | 2,516 |
| Equity capital to assets | 9.2552% | 4,741 |
| Core capital (leverage) ratio | 9.2636% | 4,613 |
| Tier 1 risk-based capital ratio | 16.5489% | 2,826 |
| Total risk-based capital ratio | 17.8098% | 2,793 |
| Memoranda: | ||
| Average total assets | $221,559,000 | 2,797 |
| Average earning assets | $206,071,600 | 2,767 |
| Average equity | $21,562,800 | 2,976 |
| Average total loans | $96,221,600 | 3,548 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 3,450 |
| Cost of funding earning assets | 0.4136% | 4,688 |
| Net interest margin | 3.7689% | 2,765 |
| Noninterest income to average assets | 0.3503% | 4,886 |
| Noninterest expense to average assets | 1.6097% | 6,547 |
| Loan and lease loss provision to assets | 0.1280% | 2,685 |
| Net operating income to assets | 2.1169% | 299 |
| Return on assets (ROA) | 2.0405% | 348 |
| Pretax return on assets | 2.0405% | 527 |
| Return on Equity (ROE) | 20.7148% | 264 |
| Retained earnings to average equity (ytd only) | -2.4643% | 6,306 |
| Net charge-offs to loans | -0.0448% | 6,277 |
| Credit loss provision to net charge-offs | -665.6250% | 6,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7615% | 6,716 |
| Assets per employee ($millions) | 5.9082% | 1,305 |
| Cash dividends to net income (ytd only)* | 111.8963% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2657% | 1,229 |
| Loan loss allowance to noncurrent loans | 168.9199% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6062% | 4,621 |
| Noncurrent loans to loans | 1.3413% | 3,177 |
| Net loans and leases to total assets | 44.1724% | 5,711 |
| Net loans and leases to deposits | 50.2962% | 5,815 |
| Net loans and leases to core deposits | 57.8640% | 5,461 |
| Total domestic deposits to total assets | 87.8247% | 2,233 |
| Equity capital to assets | 8.7515% | 5,465 |
| Core capital (leverage) ratio | 8.8896% | 5,272 |
| Tier 1 risk-based capital ratio | 15.6770% | 3,363 |
| Total risk-based capital ratio | 16.9373% | 3,317 |
| Memoranda: | ||
| Average total assets | $221,896,000 | 2,817 |
| Average earning assets | $206,314,500 | 2,786 |
| Average equity | $21,858,250 | 2,981 |
| Average total loans | $95,177,250 | 3,598 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,493 |
| Cost of funding earning assets | 0.4221% | 4,737 |
| Net interest margin | 3.7402% | 2,803 |
| Noninterest income to average assets | 0.3502% | 4,886 |
| Noninterest expense to average assets | 1.6360% | 6,561 |
| Loan and lease loss provision to assets | 0.1357% | 2,629 |
| Net operating income to assets | 2.0586% | 324 |
| Return on assets (ROA) | 1.9880% | 389 |
| Pretax return on assets | 1.9880% | 621 |
| Return on Equity (ROE) | 19.4468% | 349 |
| Retained earnings to average equity (ytd only) | 0.4160% | 5,728 |
| Net charge-offs to loans | -0.0752% | 6,409 |
| Credit loss provision to net charge-offs | -428.5714% | 5,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7120% | 6,740 |
| Assets per employee ($millions) | 5.6881% | 1,426 |
| Cash dividends to net income (ytd only)* | 97.8607% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3152% | 1,232 |
| Loan loss allowance to noncurrent loans | 151.0796% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 4,553 |
| Noncurrent loans to loans | 1.5324% | 3,003 |
| Net loans and leases to total assets | 42.5853% | 5,860 |
| Net loans and leases to deposits | 49.6886% | 5,864 |
| Net loans and leases to core deposits | 57.2692% | 5,496 |
| Total domestic deposits to total assets | 85.7042% | 3,525 |
| Equity capital to assets | 9.6982% | 4,316 |
| Core capital (leverage) ratio | 9.0715% | 4,875 |
| Tier 1 risk-based capital ratio | 16.9355% | 2,738 |
| Total risk-based capital ratio | 18.2230% | 2,696 |
| Memoranda: | ||
| Average total assets | $221,024,330 | 2,826 |
| Average earning assets | $205,656,670 | 2,800 |
| Average equity | $22,595,000 | 2,915 |
| Average total loans | $93,079,330 | 3,654 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 3,483 |
| Cost of funding earning assets | 0.4285% | 4,831 |
| Net interest margin | 3.7290% | 2,738 |
| Noninterest income to average assets | 0.3318% | 5,044 |
| Noninterest expense to average assets | 1.6372% | 6,636 |
| Loan and lease loss provision to assets | 0.1360% | 2,546 |
| Net operating income to assets | 2.0143% | 332 |
| Return on assets (ROA) | 1.9527% | 404 |
| Pretax return on assets | 1.9527% | 654 |
| Return on Equity (ROE) | 18.6207% | 392 |
| Retained earnings to average equity (ytd only) | -7.3134% | 6,493 |
| Net charge-offs to loans | -0.1403% | 6,573 |
| Credit loss provision to net charge-offs | -234.3750% | 5,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2264% | 6,801 |
| Assets per employee ($millions) | 5.7775% | 1,422 |
| Cash dividends to net income (ytd only)* | 139.2758% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4729% | 1,145 |
| Loan loss allowance to noncurrent loans | 138.7035% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 4,645 |
| Noncurrent loans to loans | 1.7829% | 2,891 |
| Net loans and leases to total assets | 37.8244% | 6,159 |
| Net loans and leases to deposits | 44.5082% | 6,160 |
| Net loans and leases to core deposits | 51.1425% | 5,883 |
| Total domestic deposits to total assets | 84.9829% | 4,047 |
| Equity capital to assets | 10.1135% | 3,998 |
| Core capital (leverage) ratio | 8.8069% | 5,176 |
| Tier 1 risk-based capital ratio | 17.8656% | 2,424 |
| Total risk-based capital ratio | 19.1631% | 2,366 |
| Memoranda: | ||
| Average total assets | $220,619,000 | 2,865 |
| Average earning assets | $204,454,000 | 2,849 |
| Average equity | $23,135,500 | 2,903 |
| Average total loans | $91,265,000 | 3,713 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 3,273 |
| Cost of funding earning assets | 0.5028% | 5,201 |
| Net interest margin | 4.0285% | 2,280 |
| Noninterest income to average assets | 0.7320% | 2,577 |
| Noninterest expense to average assets | 1.7740% | 6,652 |
| Loan and lease loss provision to assets | 0.1390% | 3,871 |
| Net operating income to assets | 2.5830% | 140 |
| Return on assets (ROA) | 2.4305% | 186 |
| Pretax return on assets | 2.4305% | 279 |
| Return on Equity (ROE) | 23.9139% | 157 |
| Retained earnings to average equity (ytd only) | 2.8354% | 4,242 |
| Net charge-offs to loans | -0.0092% | 6,451 |
| Credit loss provision to net charge-offs | -3,333.3333% | 6,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4580% | 6,939 |
| Assets per employee ($millions) | 5.5363% | 1,655 |
| Cash dividends to net income (ytd only)* | 88.1433% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1589% | 1,629 |
| Loan loss allowance to noncurrent loans | 126.0896% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7545% | 4,583 |
| Noncurrent loans to loans | 1.7122% | 3,044 |
| Net loans and leases to total assets | 43.1133% | 5,894 |
| Net loans and leases to deposits | 50.5784% | 5,916 |
| Net loans and leases to core deposits | 58.0592% | 5,535 |
| Total domestic deposits to total assets | 85.2405% | 3,749 |
| Equity capital to assets | 10.8760% | 3,096 |
| Core capital (leverage) ratio | 9.3187% | 4,381 |
| Tier 1 risk-based capital ratio | 17.8066% | 2,332 |
| Total risk-based capital ratio | 19.0957% | 2,290 |
| Memoranda: | ||
| Average total assets | $215,836,600 | 2,875 |
| Average earning assets | $201,662,600 | 2,824 |
| Average equity | $21,937,000 | 2,977 |
| Average total loans | $97,745,800 | 3,578 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 3,433 |
| Cost of funding earning assets | 0.5112% | 5,363 |
| Net interest margin | 4.0367% | 2,353 |
| Noninterest income to average assets | 0.8303% | 2,121 |
| Noninterest expense to average assets | 1.6582% | 6,820 |
| Loan and lease loss provision to assets | 0.1390% | 3,806 |
| Net operating income to assets | 2.8190% | 125 |
| Return on assets (ROA) | 2.6608% | 155 |
| Pretax return on assets | 2.6608% | 229 |
| Return on Equity (ROE) | 26.6468% | 117 |
| Retained earnings to average equity (ytd only) | -1.3426% | 6,311 |
| Net charge-offs to loans | -0.0122% | 6,402 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9208% | 7,073 |
| Assets per employee ($millions) | 5.4810% | 1,653 |
| Cash dividends to net income (ytd only)* | 105.0384% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0332% | 2,073 |
| Loan loss allowance to noncurrent loans | 117.1699% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 4,730 |
| Noncurrent loans to loans | 1.7352% | 3,185 |
| Net loans and leases to total assets | 44.6093% | 5,919 |
| Net loans and leases to deposits | 51.9980% | 5,976 |
| Net loans and leases to core deposits | 59.5287% | 5,602 |
| Total domestic deposits to total assets | 85.7905% | 3,367 |
| Equity capital to assets | 10.4253% | 3,926 |
| Core capital (leverage) ratio | 9.0044% | 5,063 |
| Tier 1 risk-based capital ratio | 16.7252% | 2,885 |
| Total risk-based capital ratio | 18.0242% | 2,814 |
| Memoranda: | ||
| Average total assets | $215,817,000 | 2,910 |
| Average earning assets | $202,403,750 | 2,844 |
| Average equity | $21,550,500 | 3,053 |
| Average total loans | $98,396,750 | 3,605 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5446% | 3,586 |
| Cost of funding earning assets | 0.5177% | 5,498 |
| Net interest margin | 4.0268% | 2,396 |
| Noninterest income to average assets | 1.0328% | 1,370 |
| Noninterest expense to average assets | 1.6397% | 6,893 |
| Loan and lease loss provision to assets | 0.1386% | 3,787 |
| Net operating income to assets | 3.0337% | 100 |
| Return on assets (ROA) | 2.8018% | 134 |
| Pretax return on assets | 2.8018% | 196 |
| Return on Equity (ROE) | 28.4713% | 92 |
| Retained earnings to average equity (ytd only) | 1.0138% | 5,672 |
| Net charge-offs to loans | -0.0020% | 6,090 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0756% | 7,137 |
| Assets per employee ($millions) | 5.3784% | 1,731 |
| Cash dividends to net income (ytd only)* | 96.4392% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,306 |
| Loan loss allowance to noncurrent loans | 109.2849% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 4,787 |
| Noncurrent loans to loans | 1.8042% | 3,207 |
| Net loans and leases to total assets | 43.7926% | 6,034 |
| Net loans and leases to deposits | 51.4429% | 6,066 |
| Net loans and leases to core deposits | 59.8705% | 5,605 |
| Total domestic deposits to total assets | 85.1285% | 3,801 |
| Equity capital to assets | 10.2967% | 3,939 |
| Core capital (leverage) ratio | 9.0780% | 4,793 |
| Tier 1 risk-based capital ratio | 16.6813% | 2,814 |
| Total risk-based capital ratio | 17.9878% | 2,744 |
| Memoranda: | ||
| Average total assets | $216,503,330 | 2,911 |
| Average earning assets | $203,188,330 | 2,841 |
| Average equity | $21,305,670 | 3,073 |
| Average total loans | $98,750,670 | 3,603 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5967% | 3,518 |
| Cost of funding earning assets | 0.5328% | 5,597 |
| Net interest margin | 4.0639% | 2,239 |
| Noninterest income to average assets | 0.3886% | 4,753 |
| Noninterest expense to average assets | 1.6207% | 6,957 |
| Loan and lease loss provision to assets | 0.1381% | 3,626 |
| Net operating income to assets | 2.4366% | 199 |
| Return on assets (ROA) | 2.4366% | 242 |
| Pretax return on assets | 2.4366% | 365 |
| Return on Equity (ROE) | 25.3418% | 176 |
| Retained earnings to average equity (ytd only) | -9.6157% | 6,829 |
| Net charge-offs to loans | -0.0040% | 5,775 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6304% | 7,134 |
| Assets per employee ($millions) | 5.6511% | 1,565 |
| Cash dividends to net income (ytd only)* | 137.9441% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 2,627 |
| Loan loss allowance to noncurrent loans | 322.6950% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 6,207 |
| Noncurrent loans to loans | 0.5943% | 5,471 |
| Net loans and leases to total assets | 42.2375% | 6,171 |
| Net loans and leases to deposits | 50.0422% | 6,137 |
| Net loans and leases to core deposits | 58.1655% | 5,702 |
| Total domestic deposits to total assets | 84.4037% | 4,319 |
| Equity capital to assets | 9.3547% | 5,022 |
| Core capital (leverage) ratio | 8.7376% | 5,235 |
| Tier 1 risk-based capital ratio | 15.7990% | 3,284 |
| Total risk-based capital ratio | 17.1412% | 3,196 |
| Memoranda: | ||
| Average total assets | $217,186,500 | 2,920 |
| Average earning assets | $203,449,500 | 2,855 |
| Average equity | $20,882,500 | 3,119 |
| Average total loans | $100,071,500 | 3,596 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9696% | 3,025 |
| Cost of funding earning assets | 0.6722% | 5,699 |
| Net interest margin | 4.2974% | 1,704 |
| Noninterest income to average assets | 0.4042% | 4,581 |
| Noninterest expense to average assets | 1.7655% | 6,993 |
| Loan and lease loss provision to assets | 0.1934% | 4,250 |
| Net operating income to assets | 2.4694% | 137 |
| Return on assets (ROA) | 2.3838% | 171 |
| Pretax return on assets | 2.3838% | 260 |
| Return on Equity (ROE) | 26.6083% | 81 |
| Retained earnings to average equity (ytd only) | 11.4992% | 345 |
| Net charge-offs to loans | 0.5469% | 2,824 |
| Credit loss provision to net charge-offs | 70.0525% | 4,847 |
| Earnings coverage of net charge-offs (x) | 9.6462% | 1,952 |
| Efficiency ratio | 39.8690% | 7,213 |
| Assets per employee ($millions) | 5.2190% | 1,921 |
| Cash dividends to net income (ytd only)* | 56.7836% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 3,346 |
| Loan loss allowance to noncurrent loans | 838.4615% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 6,670 |
| Noncurrent loans to loans | 0.1977% | 6,351 |
| Net loans and leases to total assets | 48.3646% | 5,789 |
| Net loans and leases to deposits | 59.6992% | 5,525 |
| Net loans and leases to core deposits | 69.1766% | 4,889 |
| Total domestic deposits to total assets | 81.0137% | 5,440 |
| Equity capital to assets | 9.8831% | 4,323 |
| Core capital (leverage) ratio | 9.2555% | 4,386 |
| Tier 1 risk-based capital ratio | 14.9945% | 3,644 |
| Total risk-based capital ratio | 16.3138% | 3,562 |
| Memoranda: | ||
| Average total assets | $206,851,000 | 2,981 |
| Average earning assets | $193,696,400 | 2,926 |
| Average equity | $18,531,800 | 3,355 |
| Average total loans | $104,408,800 | 3,516 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9940% | 3,108 |
| Cost of funding earning assets | 0.7060% | 5,723 |
| Net interest margin | 4.2880% | 1,765 |
| Noninterest income to average assets | 0.4181% | 4,524 |
| Noninterest expense to average assets | 1.6846% | 7,108 |
| Loan and lease loss provision to assets | 0.2113% | 3,913 |
| Net operating income to assets | 2.5383% | 148 |
| Return on assets (ROA) | 2.4232% | 182 |
| Pretax return on assets | 2.4232% | 284 |
| Return on Equity (ROE) | 27.7955% | 81 |
| Retained earnings to average equity (ytd only) | 7.2863% | 1,815 |
| Net charge-offs to loans | 0.7153% | 2,120 |
| Credit loss provision to net charge-offs | 58.1395% | 4,847 |
| Earnings coverage of net charge-offs (x) | 7.5653% | 2,339 |
| Efficiency ratio | 37.9912% | 7,289 |
| Assets per employee ($millions) | 5.1415% | 2,004 |
| Cash dividends to net income (ytd only)* | 73.7860% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 3,752 |
| Loan loss allowance to noncurrent loans | 672.4000% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 6,700 |
| Noncurrent loans to loans | 0.2351% | 6,404 |
| Net loans and leases to total assets | 49.6376% | 5,753 |
| Net loans and leases to deposits | 58.6558% | 5,781 |
| Net loans and leases to core deposits | 68.4925% | 5,120 |
| Total domestic deposits to total assets | 84.6252% | 3,954 |
| Equity capital to assets | 9.3501% | 5,304 |
| Core capital (leverage) ratio | 8.7315% | 5,363 |
| Tier 1 risk-based capital ratio | 13.9343% | 4,401 |
| Total risk-based capital ratio | 15.2244% | 4,341 |
| Memoranda: | ||
| Average total assets | $205,068,500 | 3,021 |
| Average earning assets | $192,065,500 | 2,957 |
| Average equity | $17,877,750 | 3,442 |
| Average total loans | $104,202,250 | 3,541 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2287% | 2,154 |
| Cost of funding earning assets | 0.7308% | 5,777 |
| Net interest margin | 4.4980% | 1,137 |
| Noninterest income to average assets | 0.3977% | 4,699 |
| Noninterest expense to average assets | 1.7228% | 7,157 |
| Loan and lease loss provision to assets | 0.1477% | 4,466 |
| Net operating income to assets | 2.7447% | 127 |
| Return on assets (ROA) | 2.6807% | 139 |
| Pretax return on assets | 2.6807% | 193 |
| Return on Equity (ROE) | 31.5399% | 61 |
| Retained earnings to average equity (ytd only) | 11.8492% | 535 |
| Net charge-offs to loans | 0.0309% | 5,411 |
| Credit loss provision to net charge-offs | 937.5000% | 347 |
| Earnings coverage of net charge-offs (x) | 183.6250% | 203 |
| Efficiency ratio | 37.3294% | 7,371 |
| Assets per employee ($millions) | 5.2364% | 1,838 |
| Cash dividends to net income (ytd only)* | 62.4311% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 2,494 |
| Loan loss allowance to noncurrent loans | 5,854.2857% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 7,012 |
| Noncurrent loans to loans | 0.0334% | 6,898 |
| Net loans and leases to total assets | 49.0824% | 5,937 |
| Net loans and leases to deposits | 58.7367% | 5,855 |
| Net loans and leases to core deposits | 66.6911% | 5,421 |
| Total domestic deposits to total assets | 83.5635% | 4,521 |
| Equity capital to assets | 8.9752% | 5,616 |
| Core capital (leverage) ratio | 8.9089% | 4,865 |
| Tier 1 risk-based capital ratio | 14.1663% | 4,046 |
| Total risk-based capital ratio | 15.4932% | 3,958 |
| Memoranda: | ||
| Average total assets | $203,158,000 | 3,063 |
| Average earning assets | $190,486,000 | 2,986 |
| Average equity | $17,267,000 | 3,534 |
| Average total loans | $103,497,330 | 3,596 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 2,518 |
| Cost of funding earning assets | 0.8327% | 5,378 |
| Net interest margin | 4.2961% | 1,574 |
| Noninterest income to average assets | 0.4320% | 4,442 |
| Noninterest expense to average assets | 1.7279% | 7,205 |
| Loan and lease loss provision to assets | 0.1500% | 4,143 |
| Net operating income to assets | 2.5779% | 162 |
| Return on assets (ROA) | 2.5779% | 170 |
| Pretax return on assets | 2.5779% | 227 |
| Return on Equity (ROE) | 31.2466% | 70 |
| Retained earnings to average equity (ytd only) | 7.0056% | 2,141 |
| Net charge-offs to loans | 0.0428% | 4,515 |
| Credit loss provision to net charge-offs | 681.8182% | 553 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 260 |
| Efficiency ratio | 38.7792% | 7,412 |
| Assets per employee ($millions) | 4.9860% | 2,185 |
| Cash dividends to net income (ytd only)* | 77.5795% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 2,408 |
| Loan loss allowance to noncurrent loans | 147.0282% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6795% | 5,592 |
| Noncurrent loans to loans | 1.3637% | 4,431 |
| Net loans and leases to total assets | 47.3144% | 6,161 |
| Net loans and leases to deposits | 55.4487% | 6,182 |
| Net loans and leases to core deposits | 62.6578% | 5,859 |
| Total domestic deposits to total assets | 85.3301% | 3,873 |
| Equity capital to assets | 8.2465% | 6,232 |
| Core capital (leverage) ratio | 8.5636% | 5,325 |
| Tier 1 risk-based capital ratio | 14.0716% | 4,028 |
| Total risk-based capital ratio | 15.4288% | 3,923 |
| Memoranda: | ||
| Average total assets | $200,010,000 | 3,113 |
| Average earning assets | $187,333,000 | 3,047 |
| Average equity | $16,501,000 | 3,639 |
| Average total loans | $102,819,000 | 3,645 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7945% | 1,291 |
| Cost of funding earning assets | 1.0861% | 5,212 |
| Net interest margin | 4.7084% | 803 |
| Noninterest income to average assets | 0.1743% | 6,494 |
| Noninterest expense to average assets | 1.9295% | 7,115 |
| Loan and lease loss provision to assets | 0.2100% | 5,151 |
| Net operating income to assets | 2.2922% | 159 |
| Return on assets (ROA) | 1.9688% | 312 |
| Pretax return on assets | 1.9688% | 516 |
| Return on Equity (ROE) | 23.1821% | 135 |
| Retained earnings to average equity (ytd only) | 14.5297% | 144 |
| Net charge-offs to loans | 0.0224% | 6,586 |
| Credit loss provision to net charge-offs | 1,600.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 190.6800% | 135 |
| Efficiency ratio | 43.5390% | 7,430 |
| Assets per employee ($millions) | 5.0152% | 2,140 |
| Cash dividends to net income (ytd only)* | 37.3234% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 2,892 |
| Loan loss allowance to noncurrent loans | 119.3146% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 5,319 |
| Noncurrent loans to loans | 1.5009% | 4,226 |
| Net loans and leases to total assets | 53.6934% | 5,672 |
| Net loans and leases to deposits | 62.3488% | 5,812 |
| Net loans and leases to core deposits | 69.7809% | 5,462 |
| Total domestic deposits to total assets | 86.1177% | 3,297 |
| Equity capital to assets | 8.2538% | 6,197 |
| Core capital (leverage) ratio | 8.7261% | 4,973 |
| Tier 1 risk-based capital ratio | 13.4380% | 4,265 |
| Total risk-based capital ratio | 14.7389% | 4,186 |
| Memoranda: | ||
| Average total assets | $190,518,000 | 3,223 |
| Average earning assets | $172,267,000 | 3,239 |
| Average equity | $16,180,600 | 3,722 |
| Average total loans | $111,390,400 | 3,513 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8954% | 1,143 |
| Cost of funding earning assets | 1.1550% | 5,119 |
| Net interest margin | 4.7404% | 763 |
| Noninterest income to average assets | 0.4967% | 4,214 |
| Noninterest expense to average assets | 1.8402% | 7,288 |
| Loan and lease loss provision to assets | 0.1761% | 5,280 |
| Net operating income to assets | 2.7307% | 109 |
| Return on assets (ROA) | 2.5962% | 131 |
| Pretax return on assets | 2.5962% | 198 |
| Return on Equity (ROE) | 30.3477% | 48 |
| Retained earnings to average equity (ytd only) | 22.9357% | 47 |
| Net charge-offs to loans | -0.0818% | 7,526 |
| Credit loss provision to net charge-offs | -362.3188% | 6,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7652% | 7,603 |
| Assets per employee ($millions) | 4.8763% | 2,359 |
| Cash dividends to net income (ytd only)* | 24.4233% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 2,965 |
| Loan loss allowance to noncurrent loans | 107.2706% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2217% | 4,708 |
| Noncurrent loans to loans | 1.6341% | 4,195 |
| Net loans and leases to total assets | 53.4173% | 5,929 |
| Net loans and leases to deposits | 63.1088% | 6,012 |
| Net loans and leases to core deposits | 68.1590% | 5,921 |
| Total domestic deposits to total assets | 84.6431% | 3,805 |
| Equity capital to assets | 9.1734% | 5,346 |
| Core capital (leverage) ratio | 9.2017% | 4,365 |
| Tier 1 risk-based capital ratio | 13.5091% | 4,204 |
| Total risk-based capital ratio | 14.8291% | 4,084 |
| Memoranda: | ||
| Average total assets | $189,249,000 | 3,285 |
| Average earning assets | $169,687,250 | 3,327 |
| Average equity | $16,189,750 | 3,769 |
| Average total loans | $112,504,000 | 3,543 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0024% | 946 |
| Cost of funding earning assets | 1.1966% | 5,148 |
| Net interest margin | 4.8057% | 656 |
| Noninterest income to average assets | 0.5008% | 4,112 |
| Noninterest expense to average assets | 1.8440% | 7,341 |
| Loan and lease loss provision to assets | 0.1602% | 5,287 |
| Net operating income to assets | 2.7505% | 108 |
| Return on assets (ROA) | 2.7505% | 110 |
| Pretax return on assets | 2.7505% | 165 |
| Return on Equity (ROE) | 32.9791% | 41 |
| Retained earnings to average equity (ytd only) | 27.8581% | 30 |
| Net charge-offs to loans | 0.0070% | 6,264 |
| Credit loss provision to net charge-offs | 3,750.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 681.5000% | 46 |
| Efficiency ratio | 38.7828% | 7,661 |
| Assets per employee ($millions) | 4.5621% | 2,772 |
| Cash dividends to net income (ytd only)* | 15.5280% | 3,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 3,903 |
| Loan loss allowance to noncurrent loans | 4,683.3333% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 6,514 |
| Noncurrent loans to loans | 0.0321% | 7,242 |
| Net loans and leases to total assets | 58.9780% | 5,251 |
| Net loans and leases to deposits | 69.1988% | 5,390 |
| Net loans and leases to core deposits | 76.9847% | 5,083 |
| Total domestic deposits to total assets | 85.2298% | 3,502 |
| Equity capital to assets | 8.5289% | 6,130 |
| Core capital (leverage) ratio | 8.8594% | 4,819 |
| Tier 1 risk-based capital ratio | 12.1261% | 5,189 |
| Total risk-based capital ratio | 13.2565% | 5,270 |
| Memoranda: | ||
| Average total assets | $187,314,330 | 3,345 |
| Average earning assets | $165,801,670 | 3,413 |
| Average equity | $15,622,000 | 3,867 |
| Average total loans | $114,655,000 | 3,517 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1494% | 708 |
| Cost of funding earning assets | 1.2417% | 5,164 |
| Net interest margin | 4.9077% | 510 |
| Noninterest income to average assets | 0.5185% | 3,905 |
| Noninterest expense to average assets | 1.7968% | 7,465 |
| Loan and lease loss provision to assets | 0.1600% | 4,931 |
| Net operating income to assets | 2.8125% | 108 |
| Return on assets (ROA) | 2.8125% | 112 |
| Pretax return on assets | 2.8125% | 158 |
| Return on Equity (ROE) | 34.1086% | 55 |
| Retained earnings to average equity (ytd only) | 34.1086% | 42 |
| Net charge-offs to loans | 0.0172% | 5,339 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 278.6000% | 118 |
| Efficiency ratio | 37.6734% | 7,773 |
| Assets per employee ($millions) | 4.7147% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 4,189 |
| Loan loss allowance to noncurrent loans | 4,738.2353% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 6,591 |
| Noncurrent loans to loans | 0.0305% | 7,337 |
| Net loans and leases to total assets | 56.8761% | 5,631 |
| Net loans and leases to deposits | 67.5091% | 5,647 |
| Net loans and leases to core deposits | 77.0258% | 5,138 |
| Total domestic deposits to total assets | 84.2494% | 4,016 |
| Equity capital to assets | 8.3321% | 6,255 |
| Core capital (leverage) ratio | 8.6690% | 5,076 |
| Tier 1 risk-based capital ratio | 11.7339% | 5,462 |
| Total risk-based capital ratio | 12.9047% | 5,484 |
| Memoranda: | ||
| Average total assets | $187,448,500 | 3,397 |
| Average earning assets | $162,356,500 | 3,521 |
| Average equity | $15,456,500 | 3,937 |
| Average total loans | $115,981,500 | 3,541 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2714% | 1,076 |
| Cost of funding earning assets | 1.5205% | 5,436 |
| Net interest margin | 4.7508% | 762 |
| Noninterest income to average assets | 0.5809% | 3,780 |
| Noninterest expense to average assets | 1.4505% | 7,826 |
| Loan and lease loss provision to assets | 0.8148% | 2,689 |
| Net operating income to assets | 2.6784% | 73 |
| Return on assets (ROA) | 0.4607% | 4,007 |
| Pretax return on assets | 0.4607% | 4,318 |
| Return on Equity (ROE) | 6.1899% | 3,127 |
| Retained earnings to average equity (ytd only) | -11.8416% | 6,665 |
| Net charge-offs to loans | 2.4318% | 942 |
| Credit loss provision to net charge-offs | 51.6650% | 6,724 |
| Earnings coverage of net charge-offs (x) | 2.2149% | 4,060 |
| Efficiency ratio | 29.3396% | 7,936 |
| Assets per employee ($millions) | 4.3237% | 3,235 |
| Cash dividends to net income (ytd only)* | 291.3043% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 4,875 |
| Loan loss allowance to noncurrent loans | 3,669.0476% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.3811% | 6,498 |
| Noncurrent loans to loans | 0.0349% | 7,343 |
| Net loans and leases to total assets | 65.4579% | 4,285 |
| Net loans and leases to deposits | 77.8407% | 4,410 |
| Net loans and leases to core deposits | 85.5259% | 5,570 |
| Total domestic deposits to total assets | 84.0922% | 3,989 |
| Equity capital to assets | 8.1538% | 6,399 |
| Core capital (leverage) ratio | 7.9827% | 6,223 |
| Tier 1 risk-based capital ratio | 10.0083% | 6,863 |
| Total risk-based capital ratio | 11.0485% | 7,005 |
| Memoranda: | ||
| Average total assets | $184,700,400 | 3,357 |
| Average earning assets | $169,612,400 | 3,354 |
| Average equity | $13,748,200 | 4,325 |
| Average total loans | $119,786,200 | 3,489 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2587% | 1,214 |
| Cost of funding earning assets | 1.5705% | 5,537 |
| Net interest margin | 4.6882% | 847 |
| Noninterest income to average assets | 0.5981% | 3,729 |
| Noninterest expense to average assets | 0.9877% | 8,033 |
| Loan and lease loss provision to assets | 0.3990% | 3,920 |
| Net operating income to assets | 3.5288% | 46 |
| Return on assets (ROA) | 0.5916% | 3,693 |
| Pretax return on assets | 0.5916% | 4,206 |
| Return on Equity (ROE) | 8.1382% | 2,583 |
| Retained earnings to average equity (ytd only) | -16.3751% | 7,206 |
| Net charge-offs to loans | 1.6495% | 1,231 |
| Credit loss provision to net charge-offs | 37.5000% | 6,447 |
| Earnings coverage of net charge-offs (x) | 3.6919% | 3,417 |
| Efficiency ratio | 20.0936% | 8,054 |
| Assets per employee ($millions) | 4.3656% | 3,096 |
| Cash dividends to net income (ytd only)* | 301.2139% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 2,680 |
| Loan loss allowance to noncurrent loans | 5,189.7436% | 77 |
| Noncurrent assets plus other real estate owned to assets | 1.3029% | 4,476 |
| Noncurrent loans to loans | 0.0325% | 7,430 |
| Net loans and leases to total assets | 64.3253% | 4,793 |
| Net loans and leases to deposits | 74.9187% | 5,225 |
| Net loans and leases to core deposits | 86.1256% | 5,853 |
| Total domestic deposits to total assets | 85.8601% | 2,771 |
| Equity capital to assets | 8.2327% | 6,594 |
| Core capital (leverage) ratio | 7.7162% | 6,711 |
| Tier 1 risk-based capital ratio | 10.1910% | 6,785 |
| Total risk-based capital ratio | 11.3733% | 6,805 |
| Memoranda: | ||
| Average total assets | $185,476,500 | 3,377 |
| Average earning assets | $170,807,500 | 3,363 |
| Average equity | $13,483,500 | 4,416 |
| Average total loans | $119,630,250 | 3,518 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0674% | 1,911 |
| Cost of funding earning assets | 1.6215% | 5,660 |
| Net interest margin | 4.4460% | 1,299 |
| Noninterest income to average assets | 0.5489% | 4,047 |
| Noninterest expense to average assets | 2.1259% | 7,222 |
| Loan and lease loss provision to assets | 0.4888% | 3,091 |
| Net operating income to assets | 2.0550% | 261 |
| Return on assets (ROA) | 2.1183% | 248 |
| Pretax return on assets | 2.1183% | 415 |
| Return on Equity (ROE) | 30.4642% | 69 |
| Retained earnings to average equity (ytd only) | 3.7694% | 3,203 |
| Net charge-offs to loans | 0.8534% | 1,985 |
| Credit loss provision to net charge-offs | 89.2157% | 4,949 |
| Earnings coverage of net charge-offs (x) | 4.6431% | 3,044 |
| Efficiency ratio | 45.5256% | 7,868 |
| Assets per employee ($millions) | 4.5772% | 2,656 |
| Cash dividends to net income (ytd only)* | 87.6268% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3478% | 1,045 |
| Loan loss allowance to noncurrent loans | 87.5643% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.7611% | 3,534 |
| Noncurrent loans to loans | 2.6813% | 2,684 |
| Net loans and leases to total assets | 64.1395% | 4,952 |
| Net loans and leases to deposits | 75.5805% | 5,230 |
| Net loans and leases to core deposits | 85.5208% | 5,963 |
| Total domestic deposits to total assets | 84.8625% | 3,328 |
| Equity capital to assets | 6.5233% | 7,811 |
| Core capital (leverage) ratio | 8.8408% | 4,877 |
| Tier 1 risk-based capital ratio | 9.0533% | 7,675 |
| Total risk-based capital ratio | 10.0387% | 7,825 |
| Memoranda: | ||
| Average total assets | $186,184,000 | 3,392 |
| Average earning assets | $172,560,330 | 3,359 |
| Average equity | $12,946,330 | 4,556 |
| Average total loans | $119,518,000 | 3,545 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0490% | 2,157 |
| Cost of funding earning assets | 1.7156% | 5,532 |
| Net interest margin | 4.3334% | 1,510 |
| Noninterest income to average assets | 0.5759% | 3,718 |
| Noninterest expense to average assets | 1.8615% | 7,621 |
| Loan and lease loss provision to assets | 0.4961% | 2,491 |
| Net operating income to assets | 2.2174% | 224 |
| Return on assets (ROA) | 2.2174% | 260 |
| Pretax return on assets | 2.2174% | 426 |
| Return on Equity (ROE) | 30.9208% | 96 |
| Retained earnings to average equity (ytd only) | -5.1735% | 6,572 |
| Net charge-offs to loans | 0.3604% | 2,650 |
| Credit loss provision to net charge-offs | 216.9811% | 2,080 |
| Earnings coverage of net charge-offs (x) | 11.8679% | 1,843 |
| Efficiency ratio | 40.6884% | 8,031 |
| Assets per employee ($millions) | 4.3939% | 2,901 |
| Cash dividends to net income (ytd only)* | 116.7315% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6044% | 685 |
| Loan loss allowance to noncurrent loans | 88.8118% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.8744% | 3,103 |
| Noncurrent loans to loans | 2.9325% | 2,225 |
| Net loans and leases to total assets | 62.2514% | 5,279 |
| Net loans and leases to deposits | 74.8014% | 5,378 |
| Net loans and leases to core deposits | 83.6355% | 6,090 |
| Total domestic deposits to total assets | 83.2222% | 4,030 |
| Equity capital to assets | 7.0260% | 7,666 |
| Core capital (leverage) ratio | 8.7950% | 4,996 |
| Tier 1 risk-based capital ratio | 11.7820% | 5,145 |
| Total risk-based capital ratio | 13.0438% | 5,050 |
| Memoranda: | ||
| Average total assets | $185,443,000 | 3,421 |
| Average earning assets | $171,137,000 | 3,406 |
| Average equity | $13,298,500 | 4,507 |
| Average total loans | $117,646,000 | 3,609 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5513% | 2,712 |
| Cost of funding earning assets | 2.2424% | 5,407 |
| Net interest margin | 4.3088% | 1,945 |
| Noninterest income to average assets | 0.5172% | 4,491 |
| Noninterest expense to average assets | 1.9930% | 7,451 |
| Loan and lease loss provision to assets | 0.1717% | 5,186 |
| Net operating income to assets | 2.3195% | 186 |
| Return on assets (ROA) | 2.3065% | 186 |
| Pretax return on assets | 2.3065% | 311 |
| Return on Equity (ROE) | 30.3430% | 56 |
| Retained earnings to average equity (ytd only) | 7.0193% | 1,146 |
| Net charge-offs to loans | 0.6267% | 1,960 |
| Credit loss provision to net charge-offs | 43.8218% | 6,419 |
| Earnings coverage of net charge-offs (x) | 6.3592% | 3,374 |
| Efficiency ratio | 44.4458% | 7,993 |
| Assets per employee ($millions) | 3.8822% | 3,778 |
| Cash dividends to net income (ytd only)* | 76.8668% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5124% | 668 |
| Loan loss allowance to noncurrent loans | 154.8319% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 4,274 |
| Noncurrent loans to loans | 1.6226% | 3,332 |
| Net loans and leases to total assets | 61.3875% | 5,715 |
| Net loans and leases to deposits | 75.2594% | 5,693 |
| Net loans and leases to core deposits | 84.1929% | 6,273 |
| Total domestic deposits to total assets | 81.5680% | 4,379 |
| Equity capital to assets | 7.3150% | 7,543 |
| Core capital (leverage) ratio | 8.7793% | 5,070 |
| Tier 1 risk-based capital ratio | 11.8509% | 4,943 |
| Total risk-based capital ratio | 13.1118% | 4,833 |
| Memoranda: | ||
| Average total assets | $177,671,000 | 3,437 |
| Average earning assets | $163,571,800 | 3,422 |
| Average equity | $13,505,600 | 4,450 |
| Average total loans | $111,049,600 | 3,656 |