Home > Bank of the Lowcountry > Performance and Condition Ratios
Bank of the Lowcountry, 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 | 4.9350% | 2,208 |
| Cost of funding earning assets | 1.2741% | 2,586 |
| Net interest margin | 3.6608% | 1,835 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.8298% | 1,429 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6173% | 3,397 |
| Return on assets (ROA) | 0.5977% | 3,438 |
| Pretax return on assets | 0.7307% | 3,374 |
| Return on Equity (ROE) | 9.8500% | 2,542 |
| Retained earnings to average equity (ytd only) | 7.2628% | 1,803 |
| Net charge-offs to loans | 0.0078% | 2,378 |
| Credit loss provision to net charge-offs | 1,256.2500% | 334 |
| Earnings coverage of net charge-offs (x) | 156.5625% | 690 |
| Efficiency ratio | 77.5236% | 1,111 |
| Assets per employee ($millions) | 6.4220% | 2,463 |
| Cash dividends to net income (ytd only)* | 26.3014% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 1,970 |
| Loan loss allowance to noncurrent loans | 833.2344% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 2,880 |
| Noncurrent loans to loans | 0.1510% | 2,759 |
| Net loans and leases to total assets | 62.3800% | 2,645 |
| Net loans and leases to deposits | 66.7996% | 3,124 |
| Net loans and leases to core deposits | 77.7338% | 2,859 |
| Total domestic deposits to total assets | 93.3800% | 146 |
| Equity capital to assets | 5.6935% | 4,297 |
| Core capital (leverage) ratio | 8.3849% | 4,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5410% | 2,050 |
| Memoranda: | ||
| Average total assets | $305,326,200 | 2,404 |
| Average earning assets | $289,059,800 | 2,354 |
| Average equity | $18,519,000 | 2,972 |
| Average total loans | $204,006,400 | 2,261 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 2,409 |
| Cost of funding earning assets | 0.8273% | 3,458 |
| Net interest margin | 3.9024% | 1,394 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.9102% | 1,205 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7442% | 3,188 |
| Return on assets (ROA) | 0.7177% | 3,252 |
| Pretax return on assets | 0.8917% | 3,120 |
| Return on Equity (ROE) | 11.6200% | 2,223 |
| Retained earnings to average equity (ytd only) | 8.0861% | 1,933 |
| Net charge-offs to loans | 0.0234% | 1,621 |
| Credit loss provision to net charge-offs | 145.7143% | 1,344 |
| Earnings coverage of net charge-offs (x) | 59.6000% | 1,207 |
| Efficiency ratio | 75.4270% | 1,229 |
| Assets per employee ($millions) | 6.0906% | 2,663 |
| Cash dividends to net income (ytd only)* | 30.3990% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,234 |
| Loan loss allowance to noncurrent loans | 1,051.3944% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 3,087 |
| Noncurrent loans to loans | 0.1167% | 2,985 |
| Net loans and leases to total assets | 64.5700% | 2,379 |
| Net loans and leases to deposits | 68.5880% | 2,936 |
| Net loans and leases to core deposits | 74.9280% | 2,932 |
| Total domestic deposits to total assets | 94.1500% | 176 |
| Equity capital to assets | 5.2105% | 4,212 |
| Core capital (leverage) ratio | 9.6300% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8922% | 1,938 |
| Memoranda: | ||
| Average total assets | $293,354,750 | 2,461 |
| Average earning assets | $277,053,750 | 2,436 |
| Average equity | $18,121,250 | 2,997 |
| Average total loans | $199,222,250 | 2,293 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 2,255 |
| Cost of funding earning assets | 0.5380% | 3,910 |
| Net interest margin | 4.1379% | 1,026 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.8859% | 1,243 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8935% | 2,778 |
| Return on assets (ROA) | 0.8526% | 2,919 |
| Pretax return on assets | 1.0927% | 2,669 |
| Return on Equity (ROE) | 13.0100% | 1,899 |
| Retained earnings to average equity (ytd only) | 7.8052% | 2,034 |
| Net charge-offs to loans | 0.0052% | 2,083 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 332.2000% | 415 |
| Efficiency ratio | 70.9768% | 1,674 |
| Assets per employee ($millions) | 5.8628% | 2,830 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,011 |
| Loan loss allowance to noncurrent loans | 929.6167% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 2,847 |
| Noncurrent loans to loans | 0.1377% | 2,783 |
| Net loans and leases to total assets | 70.1900% | 1,722 |
| Net loans and leases to deposits | 75.5378% | 2,361 |
| Net loans and leases to core deposits | 78.8313% | 2,556 |
| Total domestic deposits to total assets | 92.9200% | 262 |
| Equity capital to assets | 6.4120% | 4,030 |
| Core capital (leverage) ratio | 10.2226% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2948% | 1,790 |
| Memoranda: | ||
| Average total assets | $281,508,333 | 2,522 |
| Average earning assets | $266,175,000 | 2,493 |
| Average equity | $18,449,333 | 2,988 |
| Average total loans | $193,958,000 | 2,329 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 2,111 |
| Cost of funding earning assets | 0.3477% | 4,081 |
| Net interest margin | 4.2427% | 884 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 2.8597% | 1,319 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9455% | 2,700 |
| Return on assets (ROA) | 0.8618% | 2,931 |
| Pretax return on assets | 1.1056% | 2,688 |
| Return on Equity (ROE) | 13.0000% | 1,987 |
| Retained earnings to average equity (ytd only) | 2.4951% | 3,606 |
| Net charge-offs to loans | -0.0021% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0126% | 1,860 |
| Assets per employee ($millions) | 5.7431% | 2,987 |
| Cash dividends to net income (ytd only)* | 80.8081% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 1,678 |
| Loan loss allowance to noncurrent loans | 700.0000% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,538 |
| Noncurrent loans to loans | 0.1979% | 2,485 |
| Net loans and leases to total assets | 69.0600% | 1,724 |
| Net loans and leases to deposits | 74.1476% | 2,284 |
| Net loans and leases to core deposits | 76.9783% | 2,461 |
| Total domestic deposits to total assets | 93.1300% | 287 |
| Equity capital to assets | 6.7479% | 3,941 |
| Core capital (leverage) ratio | 10.1855% | 2,515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8304% | 1,673 |
| Memoranda: | ||
| Average total assets | $275,693,500 | 2,585 |
| Average earning assets | $261,151,500 | 2,551 |
| Average equity | $18,276,000 | 3,030 |
| Average total loans | $186,725,000 | 2,395 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 3,133 |
| Cost of funding earning assets | 0.2648% | 3,209 |
| Net interest margin | 3.2159% | 2,822 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.3765% | 2,486 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.7820% | 3,392 |
| Return on assets (ROA) | 0.7820% | 3,325 |
| Pretax return on assets | 0.9344% | 3,259 |
| Return on Equity (ROE) | 11.4100% | 2,339 |
| Retained earnings to average equity (ytd only) | 9.1534% | 1,436 |
| Net charge-offs to loans | -0.1263% | 4,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.6033% | 1,609 |
| Assets per employee ($millions) | 5.6269% | 3,101 |
| Cash dividends to net income (ytd only)* | 19.8063% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,021 |
| Loan loss allowance to noncurrent loans | 685.9701% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 2,435 |
| Noncurrent loans to loans | 0.1857% | 2,560 |
| Net loans and leases to total assets | 64.6000% | 2,186 |
| Net loans and leases to deposits | 69.2201% | 2,649 |
| Net loans and leases to core deposits | 72.0481% | 2,722 |
| Total domestic deposits to total assets | 93.3300% | 340 |
| Equity capital to assets | 6.5103% | 3,893 |
| Core capital (leverage) ratio | 9.6479% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2356% | 1,555 |
| Memoranda: | ||
| Average total assets | $290,552,000 | 2,496 |
| Average earning assets | $276,845,400 | 2,458 |
| Average equity | $19,905,200 | 2,960 |
| Average total loans | $144,879,600 | 2,682 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1887% | 3,462 |
| Cost of funding earning assets | 0.2886% | 2,291 |
| Net interest margin | 2.9000% | 3,500 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.2873% | 2,666 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.6688% | 3,647 |
| Return on assets (ROA) | 0.6688% | 3,606 |
| Pretax return on assets | 0.7943% | 3,594 |
| Return on Equity (ROE) | 9.6500% | 2,828 |
| Retained earnings to average equity (ytd only) | 6.7077% | 2,475 |
| Net charge-offs to loans | -0.1471% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.5753% | 1,324 |
| Assets per employee ($millions) | 5.9861% | 2,777 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 2,298 |
| Loan loss allowance to noncurrent loans | 608.6687% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 2,586 |
| Noncurrent loans to loans | 0.2043% | 2,580 |
| Net loans and leases to total assets | 54.3300% | 3,066 |
| Net loans and leases to deposits | 57.5589% | 3,374 |
| Net loans and leases to core deposits | 60.3656% | 3,358 |
| Total domestic deposits to total assets | 94.4000% | 303 |
| Equity capital to assets | 5.4509% | 4,144 |
| Core capital (leverage) ratio | 9.4065% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9196% | 1,451 |
| Memoranda: | ||
| Average total assets | $294,261,000 | 2,500 |
| Average earning assets | $280,861,750 | 2,456 |
| Average equity | $20,394,000 | 2,960 |
| Average total loans | $135,996,750 | 2,776 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9212% | 3,737 |
| Cost of funding earning assets | 0.2964% | 1,750 |
| Net interest margin | 2.6248% | 3,862 |
| Noninterest income to average assets | 0.1814% | 4,096 |
| Noninterest expense to average assets | 2.1519% | 2,988 |
| Loan and lease loss provision to assets | 0.0405% | 1,857 |
| Net operating income to assets | 0.4822% | 3,943 |
| Return on assets (ROA) | 0.4822% | 3,892 |
| Pretax return on assets | 0.4977% | 4,005 |
| Return on Equity (ROE) | 6.5085% | 3,446 |
| Retained earnings to average equity (ytd only) | 2.4122% | 3,642 |
| Net charge-offs to loans | -0.2317% | 4,611 |
| Credit loss provision to net charge-offs | -40.2685% | 3,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9950% | 948 |
| Assets per employee ($millions) | 6.8505% | 2,037 |
| Cash dividends to net income (ytd only)* | 62.9371% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 1,684 |
| Loan loss allowance to noncurrent loans | 663.5135% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 2,778 |
| Noncurrent loans to loans | 0.2135% | 2,652 |
| Net loans and leases to total assets | 46.3990% | 3,687 |
| Net loans and leases to deposits | 51.1099% | 3,752 |
| Net loans and leases to core deposits | 53.9696% | 3,695 |
| Total domestic deposits to total assets | 90.7829% | 1,348 |
| Equity capital to assets | 5.7144% | 4,296 |
| Core capital (leverage) ratio | 8.8004% | 3,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5833% | 1,056 |
| Memoranda: | ||
| Average total assets | $296,571,000 | 2,501 |
| Average earning assets | $283,445,667 | 2,469 |
| Average equity | $21,971,333 | 2,898 |
| Average total loans | $128,633,667 | 2,860 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7529% | 3,837 |
| Cost of funding earning assets | 0.3053% | 1,608 |
| Net interest margin | 2.4477% | 3,995 |
| Noninterest income to average assets | 0.1801% | 4,085 |
| Noninterest expense to average assets | 2.0687% | 3,255 |
| Loan and lease loss provision to assets | 0.0403% | 1,630 |
| Net operating income to assets | 0.3898% | 3,974 |
| Return on assets (ROA) | 0.3898% | 3,940 |
| Pretax return on assets | 0.4207% | 4,001 |
| Return on Equity (ROE) | 4.7269% | 3,692 |
| Retained earnings to average equity (ytd only) | -2.6079% | 4,288 |
| Net charge-offs to loans | 0.0065% | 1,521 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 171.5000% | 480 |
| Efficiency ratio | 81.7747% | 999 |
| Assets per employee ($millions) | 7.8346% | 1,472 |
| Cash dividends to net income (ytd only)* | 155.1724% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,902 |
| Loan loss allowance to noncurrent loans | 600.3367% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 2,869 |
| Noncurrent loans to loans | 0.2333% | 2,657 |
| Net loans and leases to total assets | 42.1658% | 3,870 |
| Net loans and leases to deposits | 47.1624% | 3,920 |
| Net loans and leases to core deposits | 50.8214% | 3,826 |
| Total domestic deposits to total assets | 89.4056% | 1,863 |
| Equity capital to assets | 7.1468% | 4,129 |
| Core capital (leverage) ratio | 8.9390% | 3,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6237% | 949 |
| Memoranda: | ||
| Average total assets | $297,571,000 | 2,505 |
| Average earning assets | $285,659,500 | 2,473 |
| Average equity | $24,540,500 | 2,801 |
| Average total loans | $123,629,500 | 2,914 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7751% | 4,239 |
| Cost of funding earning assets | 0.3495% | 1,938 |
| Net interest margin | 2.4257% | 4,289 |
| Noninterest income to average assets | 0.2746% | 3,751 |
| Noninterest expense to average assets | 1.9676% | 3,777 |
| Loan and lease loss provision to assets | 0.0106% | 2,869 |
| Net operating income to assets | 0.5353% | 4,007 |
| Return on assets (ROA) | 0.5492% | 4,032 |
| Pretax return on assets | 0.6314% | 4,060 |
| Return on Equity (ROE) | 5.6427% | 3,853 |
| Retained earnings to average equity (ytd only) | 3.2764% | 3,508 |
| Net charge-offs to loans | -0.1240% | 4,627 |
| Credit loss provision to net charge-offs | -21.1268% | 3,193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8607% | 1,120 |
| Assets per employee ($millions) | 7.6264% | 1,539 |
| Cash dividends to net income (ytd only)* | 41.9355% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,683 |
| Loan loss allowance to noncurrent loans | 407.1926% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 2,699 |
| Noncurrent loans to loans | 0.3593% | 2,298 |
| Net loans and leases to total assets | 39.7365% | 4,106 |
| Net loans and leases to deposits | 45.6118% | 4,114 |
| Net loans and leases to core deposits | 49.3021% | 4,042 |
| Total domestic deposits to total assets | 87.1189% | 2,466 |
| Equity capital to assets | 9.3481% | 3,275 |
| Core capital (leverage) ratio | 9.0093% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1447% | 739 |
| Memoranda: | ||
| Average total assets | $282,221,000 | 2,523 |
| Average earning assets | $269,823,600 | 2,488 |
| Average equity | $27,469,000 | 2,684 |
| Average total loans | $114,471,200 | 3,001 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7989% | 4,302 |
| Cost of funding earning assets | 0.3549% | 2,068 |
| Net interest margin | 2.4440% | 4,353 |
| Noninterest income to average assets | 0.2998% | 3,637 |
| Noninterest expense to average assets | 1.9419% | 3,832 |
| Loan and lease loss provision to assets | 0.0144% | 2,707 |
| Net operating income to assets | 0.5741% | 4,055 |
| Return on assets (ROA) | 0.5924% | 4,063 |
| Pretax return on assets | 0.6968% | 4,072 |
| Return on Equity (ROE) | 6.0226% | 3,911 |
| Retained earnings to average equity (ytd only) | 2.8579% | 3,949 |
| Net charge-offs to loans | -0.0967% | 4,599 |
| Credit loss provision to net charge-offs | -36.5854% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7944% | 1,232 |
| Assets per employee ($millions) | 6.9502% | 1,907 |
| Cash dividends to net income (ytd only)* | 52.5465% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 1,686 |
| Loan loss allowance to noncurrent loans | 142.8812% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 1,360 |
| Noncurrent loans to loans | 1.0405% | 1,091 |
| Net loans and leases to total assets | 37.6057% | 4,318 |
| Net loans and leases to deposits | 43.1207% | 4,342 |
| Net loans and leases to core deposits | 46.4358% | 4,307 |
| Total domestic deposits to total assets | 87.2104% | 2,263 |
| Equity capital to assets | 9.3111% | 3,549 |
| Core capital (leverage) ratio | 9.0307% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,419,000 | 2,566 |
| Average earning assets | $265,620,000 | 2,535 |
| Average equity | $27,385,250 | 2,714 |
| Average total loans | $113,103,250 | 3,063 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9073% | 4,216 |
| Cost of funding earning assets | 0.3538% | 2,279 |
| Net interest margin | 2.5535% | 4,245 |
| Noninterest income to average assets | 0.3689% | 3,265 |
| Noninterest expense to average assets | 2.0891% | 3,418 |
| Loan and lease loss provision to assets | 0.0147% | 2,657 |
| Net operating income to assets | 0.5945% | 3,991 |
| Return on assets (ROA) | 0.6230% | 3,990 |
| Pretax return on assets | 0.7268% | 4,012 |
| Return on Equity (ROE) | 6.2119% | 3,857 |
| Retained earnings to average equity (ytd only) | 1.4392% | 4,253 |
| Net charge-offs to loans | -0.0975% | 4,621 |
| Credit loss provision to net charge-offs | -36.3636% | 2,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6775% | 1,187 |
| Assets per employee ($millions) | 6.9327% | 1,859 |
| Cash dividends to net income (ytd only)* | 76.8322% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,914 |
| Loan loss allowance to noncurrent loans | 141.4676% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 1,437 |
| Noncurrent loans to loans | 0.9992% | 1,232 |
| Net loans and leases to total assets | 39.7119% | 4,298 |
| Net loans and leases to deposits | 45.6482% | 4,321 |
| Net loans and leases to core deposits | 49.5343% | 4,251 |
| Total domestic deposits to total assets | 86.9957% | 2,324 |
| Equity capital to assets | 9.4539% | 3,376 |
| Core capital (leverage) ratio | 9.5161% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,605,667 | 2,599 |
| Average earning assets | $258,316,000 | 2,570 |
| Average equity | $27,238,000 | 2,722 |
| Average total loans | $112,776,333 | 3,085 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9557% | 4,177 |
| Cost of funding earning assets | 0.3572% | 2,469 |
| Net interest margin | 2.5985% | 4,155 |
| Noninterest income to average assets | 0.4828% | 2,690 |
| Noninterest expense to average assets | 2.2733% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5880% | 3,969 |
| Return on assets (ROA) | 0.6478% | 3,888 |
| Pretax return on assets | 0.7455% | 3,921 |
| Return on Equity (ROE) | 6.2598% | 3,784 |
| Retained earnings to average equity (ytd only) | -3.3366% | 4,617 |
| Net charge-offs to loans | -0.1954% | 4,779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0585% | 1,033 |
| Assets per employee ($millions) | 6.5636% | 2,122 |
| Cash dividends to net income (ytd only)* | 153.3019% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4111% | 1,911 |
| Loan loss allowance to noncurrent loans | 142.8447% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 1,532 |
| Noncurrent loans to loans | 0.9878% | 1,363 |
| Net loans and leases to total assets | 42.5010% | 4,202 |
| Net loans and leases to deposits | 49.1927% | 4,212 |
| Net loans and leases to core deposits | 52.8660% | 4,149 |
| Total domestic deposits to total assets | 86.3970% | 2,576 |
| Equity capital to assets | 9.7819% | 2,915 |
| Core capital (leverage) ratio | 9.9973% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,822,500 | 2,657 |
| Average earning assets | $248,603,000 | 2,623 |
| Average equity | $27,093,500 | 2,729 |
| Average total loans | $110,520,500 | 3,124 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3453% | 4,269 |
| Cost of funding earning assets | 0.4318% | 3,394 |
| Net interest margin | 2.9135% | 4,087 |
| Noninterest income to average assets | 0.2068% | 4,235 |
| Noninterest expense to average assets | 2.4863% | 2,893 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3941% | 4,254 |
| Return on assets (ROA) | 0.7095% | 3,538 |
| Pretax return on assets | 0.8429% | 3,520 |
| Return on Equity (ROE) | 6.4464% | 3,430 |
| Retained earnings to average equity (ytd only) | 4.0229% | 2,807 |
| Net charge-offs to loans | 0.0195% | 2,681 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 54.2381% | 1,130 |
| Efficiency ratio | 84.1762% | 614 |
| Assets per employee ($millions) | 6.0604% | 2,292 |
| Cash dividends to net income (ytd only)* | 37.5940% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,555 |
| Loan loss allowance to noncurrent loans | 126.2360% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 1,314 |
| Noncurrent loans to loans | 1.1939% | 1,179 |
| Net loans and leases to total assets | 40.6414% | 4,417 |
| Net loans and leases to deposits | 47.8430% | 4,395 |
| Net loans and leases to core deposits | 51.0945% | 4,385 |
| Total domestic deposits to total assets | 84.9475% | 2,781 |
| Equity capital to assets | 10.9466% | 2,302 |
| Core capital (leverage) ratio | 10.3033% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $243,696,000 | 2,627 |
| Average earning assets | $229,758,600 | 2,599 |
| Average equity | $26,821,200 | 2,688 |
| Average total loans | $107,516,600 | 3,129 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 4,216 |
| Cost of funding earning assets | 0.4471% | 3,540 |
| Net interest margin | 3.0513% | 3,861 |
| Noninterest income to average assets | 0.2141% | 4,202 |
| Noninterest expense to average assets | 2.1107% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8151% | 3,035 |
| Return on assets (ROA) | 0.8376% | 3,082 |
| Pretax return on assets | 1.0036% | 3,061 |
| Return on Equity (ROE) | 7.6000% | 2,964 |
| Retained earnings to average equity (ytd only) | 4.3371% | 2,876 |
| Net charge-offs to loans | -0.0074% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3692% | 2,128 |
| Assets per employee ($millions) | 5.8736% | 2,375 |
| Cash dividends to net income (ytd only)* | 42.9326% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,384 |
| Loan loss allowance to noncurrent loans | 191.2114% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.9740% | 1,147 |
| Noncurrent loans to loans | 0.7833% | 1,864 |
| Net loans and leases to total assets | 41.9256% | 4,504 |
| Net loans and leases to deposits | 49.4721% | 4,504 |
| Net loans and leases to core deposits | 52.5673% | 4,502 |
| Total domestic deposits to total assets | 84.7460% | 2,530 |
| Equity capital to assets | 11.0277% | 2,378 |
| Core capital (leverage) ratio | 10.3138% | 2,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,986,000 | 2,619 |
| Average earning assets | $226,913,750 | 2,601 |
| Average equity | $26,560,750 | 2,692 |
| Average total loans | $108,138,250 | 3,126 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 4,106 |
| Cost of funding earning assets | 0.4731% | 3,685 |
| Net interest margin | 3.2171% | 3,616 |
| Noninterest income to average assets | 0.2252% | 4,136 |
| Noninterest expense to average assets | 2.1769% | 3,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8922% | 2,716 |
| Return on assets (ROA) | 0.9261% | 2,726 |
| Pretax return on assets | 1.1235% | 2,640 |
| Return on Equity (ROE) | 8.4040% | 2,600 |
| Retained earnings to average equity (ytd only) | 3.4290% | 3,209 |
| Net charge-offs to loans | -0.0074% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7961% | 2,404 |
| Assets per employee ($millions) | 5.9895% | 2,192 |
| Cash dividends to net income (ytd only)* | 59.1985% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,316 |
| Loan loss allowance to noncurrent loans | 197.0624% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 1,223 |
| Noncurrent loans to loans | 0.7523% | 1,999 |
| Net loans and leases to total assets | 42.5333% | 4,515 |
| Net loans and leases to deposits | 50.0587% | 4,530 |
| Net loans and leases to core deposits | 52.6097% | 4,540 |
| Total domestic deposits to total assets | 84.9669% | 2,411 |
| Equity capital to assets | 10.7554% | 2,524 |
| Core capital (leverage) ratio | 10.4082% | 2,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,126,667 | 2,627 |
| Average earning assets | $223,617,667 | 2,597 |
| Average equity | $26,130,333 | 2,708 |
| Average total loans | $108,351,333 | 3,124 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 4,263 |
| Cost of funding earning assets | 0.5252% | 3,824 |
| Net interest margin | 3.2524% | 3,718 |
| Noninterest income to average assets | 0.2488% | 4,058 |
| Noninterest expense to average assets | 2.3052% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8277% | 2,806 |
| Return on assets (ROA) | 0.8334% | 2,865 |
| Pretax return on assets | 1.0213% | 2,779 |
| Return on Equity (ROE) | 7.4647% | 2,752 |
| Retained earnings to average equity (ytd only) | -2.6648% | 4,320 |
| Net charge-offs to loans | -0.0148% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4444% | 2,440 |
| Assets per employee ($millions) | 5.4140% | 2,210 |
| Cash dividends to net income (ytd only)* | 135.6994% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 1,284 |
| Loan loss allowance to noncurrent loans | 189.8465% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 1,188 |
| Noncurrent loans to loans | 0.7993% | 2,011 |
| Net loans and leases to total assets | 44.8299% | 4,476 |
| Net loans and leases to deposits | 53.1975% | 4,479 |
| Net loans and leases to core deposits | 56.8465% | 4,469 |
| Total domestic deposits to total assets | 84.2706% | 2,686 |
| Equity capital to assets | 11.2036% | 2,675 |
| Core capital (leverage) ratio | 10.8789% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,911,000 | 2,628 |
| Average earning assets | $217,070,500 | 2,594 |
| Average equity | $25,667,500 | 2,735 |
| Average total loans | $108,224,000 | 3,104 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 3,768 |
| Cost of funding earning assets | 0.5627% | 3,812 |
| Net interest margin | 3.6538% | 2,952 |
| Noninterest income to average assets | 0.2617% | 4,114 |
| Noninterest expense to average assets | 2.5098% | 3,423 |
| Loan and lease loss provision to assets | 0.0443% | 3,124 |
| Net operating income to assets | 0.9558% | 2,998 |
| Return on assets (ROA) | 1.0146% | 2,881 |
| Pretax return on assets | 1.2263% | 2,743 |
| Return on Equity (ROE) | 9.6251% | 2,461 |
| Retained earnings to average equity (ytd only) | 7.7345% | 1,068 |
| Net charge-offs to loans | -0.0421% | 4,790 |
| Credit loss provision to net charge-offs | -196.0784% | 4,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6576% | 2,508 |
| Assets per employee ($millions) | 5.9743% | 1,653 |
| Cash dividends to net income (ytd only)* | 19.6421% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4519% | 1,358 |
| Loan loss allowance to noncurrent loans | 195.1338% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 1.1453% | 1,042 |
| Noncurrent loans to loans | 0.7441% | 2,023 |
| Net loans and leases to total assets | 47.9566% | 4,430 |
| Net loans and leases to deposits | 56.9298% | 4,420 |
| Net loans and leases to core deposits | 61.1754% | 4,381 |
| Total domestic deposits to total assets | 84.2381% | 2,774 |
| Equity capital to assets | 11.1236% | 2,883 |
| Core capital (leverage) ratio | 10.8404% | 2,643 |
| Tier 1 risk-based capital ratio | 21.0100% | 1,164 |
| Total risk-based capital ratio | 22.2607% | 1,135 |
| Memoranda: | ||
| Average total assets | $225,793,000 | 2,615 |
| Average earning assets | $213,065,800 | 2,581 |
| Average equity | $23,802,400 | 2,813 |
| Average total loans | $121,230,200 | 2,931 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 3,865 |
| Cost of funding earning assets | 0.5609% | 3,865 |
| Net interest margin | 3.6663% | 3,041 |
| Noninterest income to average assets | 0.2602% | 4,185 |
| Noninterest expense to average assets | 2.5012% | 3,434 |
| Loan and lease loss provision to assets | 0.0532% | 2,849 |
| Net operating income to assets | 0.9325% | 3,222 |
| Return on assets (ROA) | 1.0082% | 3,034 |
| Pretax return on assets | 1.2595% | 2,783 |
| Return on Equity (ROE) | 9.6984% | 2,572 |
| Retained earnings to average equity (ytd only) | 7.1387% | 1,790 |
| Net charge-offs to loans | -0.0592% | 4,873 |
| Credit loss provision to net charge-offs | -163.6364% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2496% | 2,537 |
| Assets per employee ($millions) | 5.8283% | 1,736 |
| Cash dividends to net income (ytd only)* | 26.3931% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,302 |
| Loan loss allowance to noncurrent loans | 165.5959% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 1.2148% | 1,039 |
| Noncurrent loans to loans | 0.7473% | 2,093 |
| Net loans and leases to total assets | 54.7079% | 4,117 |
| Net loans and leases to deposits | 64.6095% | 4,142 |
| Net loans and leases to core deposits | 70.7896% | 4,014 |
| Total domestic deposits to total assets | 84.6747% | 2,550 |
| Equity capital to assets | 10.7232% | 3,358 |
| Core capital (leverage) ratio | 10.5075% | 3,097 |
| Tier 1 risk-based capital ratio | 17.8115% | 1,874 |
| Total risk-based capital ratio | 18.9791% | 1,849 |
| Memoranda: | ||
| Average total assets | $225,485,750 | 2,637 |
| Average earning assets | $212,744,500 | 2,606 |
| Average equity | $23,439,750 | 2,856 |
| Average total loans | $123,918,750 | 2,924 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 3,828 |
| Cost of funding earning assets | 0.5483% | 3,882 |
| Net interest margin | 3.6888% | 2,965 |
| Noninterest income to average assets | 0.2593% | 4,203 |
| Noninterest expense to average assets | 2.4159% | 3,700 |
| Loan and lease loss provision to assets | 0.0538% | 2,746 |
| Net operating income to assets | 1.0103% | 2,880 |
| Return on assets (ROA) | 1.0218% | 2,920 |
| Pretax return on assets | 1.2802% | 2,635 |
| Return on Equity (ROE) | 9.9389% | 2,419 |
| Retained earnings to average equity (ytd only) | 6.0122% | 2,279 |
| Net charge-offs to loans | -0.0033% | 4,043 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6734% | 3,023 |
| Assets per employee ($millions) | 5.4251% | 2,026 |
| Cash dividends to net income (ytd only)* | 39.5083% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,613 |
| Loan loss allowance to noncurrent loans | 165.5738% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.2938% | 986 |
| Noncurrent loans to loans | 0.7146% | 2,197 |
| Net loans and leases to total assets | 55.5329% | 4,104 |
| Net loans and leases to deposits | 65.5532% | 4,127 |
| Net loans and leases to core deposits | 72.7977% | 3,960 |
| Total domestic deposits to total assets | 84.7143% | 2,592 |
| Equity capital to assets | 10.6454% | 3,392 |
| Core capital (leverage) ratio | 10.4281% | 3,161 |
| Tier 1 risk-based capital ratio | 17.4909% | 1,941 |
| Total risk-based capital ratio | 18.6037% | 1,939 |
| Memoranda: | ||
| Average total assets | $222,937,330 | 2,665 |
| Average earning assets | $210,093,330 | 2,637 |
| Average equity | $22,920,000 | 2,889 |
| Average total loans | $122,178,670 | 2,956 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 3,754 |
| Cost of funding earning assets | 0.5230% | 3,959 |
| Net interest margin | 3.7149% | 2,839 |
| Noninterest income to average assets | 0.2540% | 4,192 |
| Noninterest expense to average assets | 2.4401% | 3,653 |
| Loan and lease loss provision to assets | 0.0544% | 2,579 |
| Net operating income to assets | 0.9888% | 2,893 |
| Return on assets (ROA) | 0.9888% | 2,930 |
| Pretax return on assets | 1.2518% | 2,620 |
| Return on Equity (ROE) | 9.7969% | 2,448 |
| Retained earnings to average equity (ytd only) | 1.7077% | 4,135 |
| Net charge-offs to loans | 0.0436% | 1,652 |
| Credit loss provision to net charge-offs | 230.7692% | 964 |
| Earnings coverage of net charge-offs (x) | 55.3846% | 961 |
| Efficiency ratio | 65.1332% | 3,070 |
| Assets per employee ($millions) | 5.7646% | 1,737 |
| Cash dividends to net income (ytd only)* | 82.5688% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,484 |
| Loan loss allowance to noncurrent loans | 170.2546% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 980 |
| Noncurrent loans to loans | 0.7157% | 2,233 |
| Net loans and leases to total assets | 53.0422% | 4,271 |
| Net loans and leases to deposits | 62.2481% | 4,290 |
| Net loans and leases to core deposits | 69.2384% | 4,123 |
| Total domestic deposits to total assets | 85.2109% | 2,597 |
| Equity capital to assets | 10.1592% | 3,670 |
| Core capital (leverage) ratio | 10.6444% | 2,901 |
| Tier 1 risk-based capital ratio | 16.9607% | 2,118 |
| Total risk-based capital ratio | 18.0354% | 2,131 |
| Memoranda: | ||
| Average total assets | $220,479,000 | 2,718 |
| Average earning assets | $207,271,500 | 2,698 |
| Average equity | $22,252,000 | 2,948 |
| Average total loans | $119,243,500 | 3,028 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 4,035 |
| Cost of funding earning assets | 0.4207% | 3,857 |
| Net interest margin | 3.5779% | 3,460 |
| Noninterest income to average assets | 0.2815% | 4,216 |
| Noninterest expense to average assets | 2.4276% | 3,806 |
| Loan and lease loss provision to assets | 0.1007% | 2,172 |
| Net operating income to assets | 0.9065% | 3,420 |
| Return on assets (ROA) | 0.8599% | 3,574 |
| Pretax return on assets | 1.0560% | 3,424 |
| Return on Equity (ROE) | 8.6534% | 3,160 |
| Retained earnings to average equity (ytd only) | 6.8436% | 1,736 |
| Net charge-offs to loans | 0.0597% | 2,283 |
| Credit loss provision to net charge-offs | 323.0769% | 968 |
| Earnings coverage of net charge-offs (x) | 38.9538% | 1,343 |
| Efficiency ratio | 66.6579% | 2,756 |
| Assets per employee ($millions) | 5.5420% | 1,916 |
| Cash dividends to net income (ytd only)* | 20.9147% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 2,387 |
| Loan loss allowance to noncurrent loans | 153.5941% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.4222% | 840 |
| Noncurrent loans to loans | 0.8033% | 1,996 |
| Net loans and leases to total assets | 53.8145% | 4,294 |
| Net loans and leases to deposits | 63.2091% | 4,300 |
| Net loans and leases to core deposits | 68.9900% | 4,176 |
| Total domestic deposits to total assets | 85.1372% | 2,593 |
| Equity capital to assets | 10.0233% | 3,666 |
| Core capital (leverage) ratio | 10.9301% | 2,597 |
| Tier 1 risk-based capital ratio | 17.6240% | 1,862 |
| Total risk-based capital ratio | 18.7315% | 1,861 |
| Memoranda: | ||
| Average total assets | $208,521,600 | 2,781 |
| Average earning assets | $195,842,000 | 2,754 |
| Average equity | $20,720,200 | 3,018 |
| Average total loans | $108,877,000 | 3,150 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 4,081 |
| Cost of funding earning assets | 0.4096% | 3,792 |
| Net interest margin | 3.5402% | 3,556 |
| Noninterest income to average assets | 0.2807% | 4,272 |
| Noninterest expense to average assets | 2.3566% | 3,956 |
| Loan and lease loss provision to assets | 0.0581% | 2,815 |
| Net operating income to assets | 0.9344% | 3,374 |
| Return on assets (ROA) | 0.9247% | 3,416 |
| Pretax return on assets | 1.1893% | 3,034 |
| Return on Equity (ROE) | 9.3273% | 2,943 |
| Retained earnings to average equity (ytd only) | 6.8864% | 2,186 |
| Net charge-offs to loans | 0.0800% | 1,720 |
| Credit loss provision to net charge-offs | 140.6250% | 1,800 |
| Earnings coverage of net charge-offs (x) | 30.5004% | 1,590 |
| Efficiency ratio | 65.1677% | 3,008 |
| Assets per employee ($millions) | 5.6412% | 1,786 |
| Cash dividends to net income (ytd only)* | 26.1690% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,730 |
| Loan loss allowance to noncurrent loans | 134.7475% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.5513% | 818 |
| Noncurrent loans to loans | 0.8769% | 1,950 |
| Net loans and leases to total assets | 53.4474% | 4,397 |
| Net loans and leases to deposits | 61.0735% | 4,488 |
| Net loans and leases to core deposits | 67.0223% | 4,355 |
| Total domestic deposits to total assets | 87.5132% | 1,479 |
| Equity capital to assets | 9.8105% | 3,810 |
| Core capital (leverage) ratio | 10.8815% | 2,694 |
| Tier 1 risk-based capital ratio | 17.8054% | 1,840 |
| Total risk-based capital ratio | 18.8490% | 1,860 |
| Memoranda: | ||
| Average total assets | $206,617,750 | 2,825 |
| Average earning assets | $194,673,750 | 2,786 |
| Average equity | $20,484,250 | 3,070 |
| Average total loans | $106,654,750 | 3,216 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 4,226 |
| Cost of funding earning assets | 0.3962% | 3,749 |
| Net interest margin | 3.4504% | 3,798 |
| Noninterest income to average assets | 0.2758% | 4,345 |
| Noninterest expense to average assets | 2.3311% | 4,073 |
| Loan and lease loss provision to assets | 0.0583% | 2,735 |
| Net operating income to assets | 0.8790% | 3,546 |
| Return on assets (ROA) | 0.8644% | 3,610 |
| Pretax return on assets | 1.1247% | 3,210 |
| Return on Equity (ROE) | 8.6886% | 3,179 |
| Retained earnings to average equity (ytd only) | 5.0277% | 3,062 |
| Net charge-offs to loans | -0.0631% | 4,999 |
| Credit loss provision to net charge-offs | -181.8182% | 4,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9885% | 2,983 |
| Assets per employee ($millions) | 5.4072% | 1,985 |
| Cash dividends to net income (ytd only)* | 42.1348% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,292 |
| Loan loss allowance to noncurrent loans | 424.5455% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 1,112 |
| Noncurrent loans to loans | 0.3008% | 3,623 |
| Net loans and leases to total assets | 51.3572% | 4,518 |
| Net loans and leases to deposits | 58.5188% | 4,610 |
| Net loans and leases to core deposits | 63.6300% | 4,512 |
| Total domestic deposits to total assets | 87.7618% | 1,500 |
| Equity capital to assets | 9.6880% | 3,927 |
| Core capital (leverage) ratio | 10.7038% | 2,804 |
| Tier 1 risk-based capital ratio | 17.2746% | 2,013 |
| Total risk-based capital ratio | 18.3639% | 2,009 |
| Memoranda: | ||
| Average total assets | $205,915,330 | 2,846 |
| Average earning assets | $194,355,670 | 2,809 |
| Average equity | $20,486,670 | 3,079 |
| Average total loans | $104,575,670 | 3,256 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7090% | 4,453 |
| Cost of funding earning assets | 0.3815% | 3,725 |
| Net interest margin | 3.3275% | 4,115 |
| Noninterest income to average assets | 0.2733% | 4,344 |
| Noninterest expense to average assets | 2.3221% | 4,139 |
| Loan and lease loss provision to assets | 0.0590% | 2,589 |
| Net operating income to assets | 0.8003% | 3,701 |
| Return on assets (ROA) | 0.7708% | 3,824 |
| Pretax return on assets | 0.9930% | 3,556 |
| Return on Equity (ROE) | 7.6432% | 3,526 |
| Retained earnings to average equity (ytd only) | 0.3315% | 4,755 |
| Net charge-offs to loans | 0.0039% | 2,600 |
| Credit loss provision to net charge-offs | 3,000.0000% | 122 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 113 |
| Efficiency ratio | 68.0692% | 2,822 |
| Assets per employee ($millions) | 5.1363% | 2,316 |
| Cash dividends to net income (ytd only)* | 95.6633% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 2,360 |
| Loan loss allowance to noncurrent loans | 722.7027% | 796 |
| Noncurrent assets plus other real estate owned to assets | 1.3322% | 1,109 |
| Noncurrent loans to loans | 0.1766% | 4,181 |
| Net loans and leases to total assets | 50.3500% | 4,532 |
| Net loans and leases to deposits | 57.3967% | 4,620 |
| Net loans and leases to core deposits | 62.1736% | 4,542 |
| Total domestic deposits to total assets | 87.7227% | 1,779 |
| Equity capital to assets | 9.7303% | 3,857 |
| Core capital (leverage) ratio | 10.8323% | 2,600 |
| Tier 1 risk-based capital ratio | 17.5055% | 1,972 |
| Total risk-based capital ratio | 18.5830% | 1,971 |
| Memoranda: | ||
| Average total assets | $203,433,000 | 2,903 |
| Average earning assets | $191,857,000 | 2,863 |
| Average equity | $20,515,000 | 3,107 |
| Average total loans | $102,012,000 | 3,324 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5551% | 4,683 |
| Cost of funding earning assets | 0.3535% | 3,683 |
| Net interest margin | 3.2017% | 4,445 |
| Noninterest income to average assets | 0.3081% | 4,251 |
| Noninterest expense to average assets | 2.3194% | 4,276 |
| Loan and lease loss provision to assets | -0.0510% | 5,401 |
| Net operating income to assets | 0.6037% | 3,991 |
| Return on assets (ROA) | 0.5897% | 4,091 |
| Pretax return on assets | 0.9656% | 3,685 |
| Return on Equity (ROE) | 5.6185% | 3,907 |
| Retained earnings to average equity (ytd only) | 3.7959% | 2,950 |
| Net charge-offs to loans | 0.1377% | 1,687 |
| Credit loss provision to net charge-offs | -80.6452% | 4,689 |
| Earnings coverage of net charge-offs (x) | 14.8065% | 2,301 |
| Efficiency ratio | 71.2361% | 2,346 |
| Assets per employee ($millions) | 5.0354% | 2,437 |
| Cash dividends to net income (ytd only)* | 32.4394% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3180% | 2,125 |
| Loan loss allowance to noncurrent loans | 384.7059% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 1,039 |
| Noncurrent loans to loans | 0.3426% | 3,531 |
| Net loans and leases to total assets | 48.6232% | 4,727 |
| Net loans and leases to deposits | 55.9099% | 4,806 |
| Net loans and leases to core deposits | 60.1627% | 4,752 |
| Total domestic deposits to total assets | 86.9671% | 2,013 |
| Equity capital to assets | 10.4456% | 3,222 |
| Core capital (leverage) ratio | 10.8932% | 2,431 |
| Tier 1 risk-based capital ratio | 19.2169% | 1,466 |
| Total risk-based capital ratio | 20.3795% | 1,449 |
| Memoranda: | ||
| Average total assets | $196,043,800 | 2,958 |
| Average earning assets | $180,500,400 | 2,960 |
| Average equity | $20,574,800 | 3,071 |
| Average total loans | $90,020,800 | 3,524 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,742 |
| Cost of funding earning assets | 0.3536% | 3,627 |
| Net interest margin | 3.1768% | 4,517 |
| Noninterest income to average assets | 0.3082% | 4,324 |
| Noninterest expense to average assets | 2.2927% | 4,319 |
| Loan and lease loss provision to assets | -0.0582% | 5,535 |
| Net operating income to assets | 0.7267% | 3,836 |
| Return on assets (ROA) | 0.7115% | 3,980 |
| Pretax return on assets | 0.9573% | 3,842 |
| Return on Equity (ROE) | 6.7712% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.3273% | 3,331 |
| Net charge-offs to loans | 0.1870% | 1,120 |
| Credit loss provision to net charge-offs | -69.1057% | 4,474 |
| Earnings coverage of net charge-offs (x) | 10.9184% | 2,543 |
| Efficiency ratio | 71.3707% | 2,307 |
| Assets per employee ($millions) | 4.7776% | 2,727 |
| Cash dividends to net income (ytd only)* | 36.0925% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 1,717 |
| Loan loss allowance to noncurrent loans | 387.1345% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6653% | 868 |
| Noncurrent loans to loans | 0.3732% | 3,616 |
| Net loans and leases to total assets | 46.1066% | 4,932 |
| Net loans and leases to deposits | 51.7838% | 5,059 |
| Net loans and leases to core deposits | 56.4047% | 4,979 |
| Total domestic deposits to total assets | 89.0367% | 865 |
| Equity capital to assets | 10.7892% | 3,077 |
| Core capital (leverage) ratio | 10.9886% | 2,472 |
| Tier 1 risk-based capital ratio | 16.5810% | 2,295 |
| Total risk-based capital ratio | 17.6018% | 2,317 |
| Memoranda: | ||
| Average total assets | $194,701,250 | 2,998 |
| Average earning assets | $177,996,750 | 3,008 |
| Average equity | $20,458,750 | 3,110 |
| Average total loans | $87,715,500 | 3,602 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 4,806 |
| Cost of funding earning assets | 0.3550% | 3,532 |
| Net interest margin | 3.1302% | 4,603 |
| Noninterest income to average assets | 0.3273% | 4,205 |
| Noninterest expense to average assets | 2.2747% | 4,419 |
| Loan and lease loss provision to assets | -0.0257% | 5,571 |
| Net operating income to assets | 0.7009% | 3,849 |
| Return on assets (ROA) | 0.7009% | 3,908 |
| Pretax return on assets | 0.9284% | 3,837 |
| Return on Equity (ROE) | 6.7314% | 3,703 |
| Retained earnings to average equity (ytd only) | 3.0247% | 3,917 |
| Net charge-offs to loans | 0.2662% | 766 |
| Credit loss provision to net charge-offs | -21.7391% | 4,237 |
| Earnings coverage of net charge-offs (x) | 7.6261% | 2,585 |
| Efficiency ratio | 71.5905% | 2,418 |
| Assets per employee ($millions) | 5.2462% | 2,115 |
| Cash dividends to net income (ytd only)* | 55.0661% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 1,169 |
| Loan loss allowance to noncurrent loans | 402.3121% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 2.0145% | 630 |
| Noncurrent loans to loans | 0.4090% | 3,557 |
| Net loans and leases to total assets | 41.7334% | 5,156 |
| Net loans and leases to deposits | 46.6932% | 5,265 |
| Net loans and leases to core deposits | 50.6379% | 5,197 |
| Total domestic deposits to total assets | 89.3778% | 774 |
| Equity capital to assets | 10.4727% | 3,380 |
| Core capital (leverage) ratio | 10.6753% | 2,730 |
| Tier 1 risk-based capital ratio | 19.2261% | 1,541 |
| Total risk-based capital ratio | 20.4762% | 1,487 |
| Memoranda: | ||
| Average total assets | $194,308,000 | 3,017 |
| Average earning assets | $176,924,000 | 3,027 |
| Average equity | $20,233,670 | 3,134 |
| Average total loans | $86,408,000 | 3,646 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 4,792 |
| Cost of funding earning assets | 0.3539% | 3,483 |
| Net interest margin | 3.1085% | 4,629 |
| Noninterest income to average assets | 0.3546% | 4,002 |
| Noninterest expense to average assets | 2.3151% | 4,364 |
| Loan and lease loss provision to assets | 0.0104% | 3,424 |
| Net operating income to assets | 0.6424% | 3,962 |
| Return on assets (ROA) | 0.6424% | 3,999 |
| Pretax return on assets | 0.8322% | 3,999 |
| Return on Equity (ROE) | 6.1874% | 3,816 |
| Retained earnings to average equity (ytd only) | -1.3460% | 5,109 |
| Net charge-offs to loans | 0.0504% | 1,853 |
| Credit loss provision to net charge-offs | 45.4545% | 2,022 |
| Earnings coverage of net charge-offs (x) | 36.7273% | 1,090 |
| Efficiency ratio | 73.3157% | 2,355 |
| Assets per employee ($millions) | 5.0706% | 2,347 |
| Cash dividends to net income (ytd only)* | 121.7532% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 1,067 |
| Loan loss allowance to noncurrent loans | 366.8269% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 2.1972% | 571 |
| Noncurrent loans to loans | 0.4758% | 3,385 |
| Net loans and leases to total assets | 43.4401% | 5,069 |
| Net loans and leases to deposits | 48.3936% | 5,200 |
| Net loans and leases to core deposits | 52.6569% | 5,120 |
| Total domestic deposits to total assets | 89.7641% | 768 |
| Equity capital to assets | 10.1262% | 3,595 |
| Core capital (leverage) ratio | 10.9172% | 2,458 |
| Tier 1 risk-based capital ratio | 19.4002% | 1,518 |
| Total risk-based capital ratio | 20.6526% | 1,490 |
| Memoranda: | ||
| Average total assets | $191,784,000 | 3,076 |
| Average earning assets | $172,944,500 | 3,100 |
| Average equity | $19,911,500 | 3,182 |
| Average total loans | $87,317,000 | 3,662 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4124% | 4,952 |
| Cost of funding earning assets | 0.3641% | 3,375 |
| Net interest margin | 3.0482% | 4,853 |
| Noninterest income to average assets | 0.3890% | 3,971 |
| Noninterest expense to average assets | 2.2566% | 4,641 |
| Loan and lease loss provision to assets | 0.0639% | 3,098 |
| Net operating income to assets | 0.6225% | 4,111 |
| Return on assets (ROA) | 0.6408% | 4,148 |
| Pretax return on assets | 0.8770% | 3,924 |
| Return on Equity (ROE) | 6.0447% | 3,960 |
| Retained earnings to average equity (ytd only) | 3.8224% | 3,202 |
| Net charge-offs to loans | 0.2143% | 1,295 |
| Credit loss provision to net charge-offs | 65.5914% | 3,175 |
| Earnings coverage of net charge-offs (x) | 9.4032% | 2,755 |
| Efficiency ratio | 71.1339% | 2,720 |
| Assets per employee ($millions) | 4.5320% | 3,073 |
| Cash dividends to net income (ytd only)* | 36.7647% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7568% | 1,030 |
| Loan loss allowance to noncurrent loans | 352.1839% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 2.4837% | 481 |
| Noncurrent loans to loans | 0.4988% | 3,372 |
| Net loans and leases to total assets | 46.1060% | 5,011 |
| Net loans and leases to deposits | 51.6841% | 5,136 |
| Net loans and leases to core deposits | 57.3242% | 5,003 |
| Total domestic deposits to total assets | 89.2074% | 1,006 |
| Equity capital to assets | 10.6548% | 2,974 |
| Core capital (leverage) ratio | 11.0677% | 2,287 |
| Tier 1 risk-based capital ratio | 18.6295% | 1,695 |
| Total risk-based capital ratio | 19.8813% | 1,662 |
| Memoranda: | ||
| Average total assets | $190,996,800 | 3,051 |
| Average earning assets | $174,395,800 | 3,062 |
| Average equity | $20,249,000 | 3,145 |
| Average total loans | $86,800,200 | 3,641 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3555% | 5,113 |
| Cost of funding earning assets | 0.3622% | 3,416 |
| Net interest margin | 2.9933% | 5,026 |
| Noninterest income to average assets | 0.4084% | 3,860 |
| Noninterest expense to average assets | 2.2583% | 4,629 |
| Loan and lease loss provision to assets | 0.0555% | 3,141 |
| Net operating income to assets | 0.6553% | 4,056 |
| Return on assets (ROA) | 0.6809% | 4,080 |
| Pretax return on assets | 0.8840% | 4,036 |
| Return on Equity (ROE) | 6.4302% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.4836% | 3,810 |
| Net charge-offs to loans | 0.3183% | 728 |
| Credit loss provision to net charge-offs | 38.6473% | 3,159 |
| Earnings coverage of net charge-offs (x) | 6.3141% | 3,011 |
| Efficiency ratio | 71.3628% | 2,673 |
| Assets per employee ($millions) | 5.3405% | 2,011 |
| Cash dividends to net income (ytd only)* | 45.8253% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 1,243 |
| Loan loss allowance to noncurrent loans | 186.8957% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 2.6595% | 489 |
| Noncurrent loans to loans | 0.9032% | 2,442 |
| Net loans and leases to total assets | 45.7738% | 5,106 |
| Net loans and leases to deposits | 51.6240% | 5,221 |
| Net loans and leases to core deposits | 57.9338% | 5,054 |
| Total domestic deposits to total assets | 88.6677% | 1,069 |
| Equity capital to assets | 11.1167% | 2,900 |
| Core capital (leverage) ratio | 10.8101% | 2,674 |
| Tier 1 risk-based capital ratio | 19.4213% | 1,568 |
| Total risk-based capital ratio | 20.6728% | 1,528 |
| Memoranda: | ||
| Average total assets | $192,292,750 | 3,048 |
| Average earning assets | $177,060,000 | 3,051 |
| Average equity | $20,361,750 | 3,158 |
| Average total loans | $86,699,500 | 3,664 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2720% | 5,337 |
| Cost of funding earning assets | 0.3594% | 3,459 |
| Net interest margin | 2.9126% | 5,245 |
| Noninterest income to average assets | 0.4369% | 3,623 |
| Noninterest expense to average assets | 2.2423% | 4,747 |
| Loan and lease loss provision to assets | 0.0412% | 3,335 |
| Net operating income to assets | 0.6647% | 3,979 |
| Return on assets (ROA) | 0.7028% | 3,925 |
| Pretax return on assets | 0.9089% | 3,925 |
| Return on Equity (ROE) | 6.7449% | 3,671 |
| Retained earnings to average equity (ytd only) | 2.2945% | 4,416 |
| Net charge-offs to loans | 0.2425% | 971 |
| Credit loss provision to net charge-offs | 38.0952% | 2,789 |
| Earnings coverage of net charge-offs (x) | 8.3238% | 2,525 |
| Efficiency ratio | 71.3443% | 2,770 |
| Assets per employee ($millions) | 5.6363% | 1,671 |
| Cash dividends to net income (ytd only)* | 65.9824% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 1,094 |
| Loan loss allowance to noncurrent loans | 207.4526% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 2.6922% | 484 |
| Noncurrent loans to loans | 0.8630% | 2,583 |
| Net loans and leases to total assets | 42.5716% | 5,310 |
| Net loans and leases to deposits | 47.6350% | 5,434 |
| Net loans and leases to core deposits | 53.4945% | 5,302 |
| Total domestic deposits to total assets | 89.3704% | 736 |
| Equity capital to assets | 10.4182% | 3,720 |
| Core capital (leverage) ratio | 10.3764% | 3,105 |
| Tier 1 risk-based capital ratio | 21.0450% | 1,262 |
| Total risk-based capital ratio | 22.2989% | 1,246 |
| Memoranda: | ||
| Average total assets | $194,084,670 | 3,050 |
| Average earning assets | $180,318,000 | 3,039 |
| Average equity | $20,222,670 | 3,173 |
| Average total loans | $86,590,000 | 3,677 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 5,290 |
| Cost of funding earning assets | 0.3675% | 3,420 |
| Net interest margin | 2.9490% | 5,226 |
| Noninterest income to average assets | 0.2909% | 4,644 |
| Noninterest expense to average assets | 2.1840% | 4,942 |
| Loan and lease loss provision to assets | 0.0208% | 3,417 |
| Net operating income to assets | 0.6078% | 4,142 |
| Return on assets (ROA) | 0.6816% | 3,925 |
| Pretax return on assets | 0.9206% | 3,763 |
| Return on Equity (ROE) | 6.5410% | 3,707 |
| Retained earnings to average equity (ytd only) | -2.4329% | 5,426 |
| Net charge-offs to loans | 0.2617% | 798 |
| Credit loss provision to net charge-offs | 17.5439% | 2,314 |
| Earnings coverage of net charge-offs (x) | 7.1053% | 2,172 |
| Efficiency ratio | 72.1841% | 2,773 |
| Assets per employee ($millions) | 5.0531% | 2,285 |
| Cash dividends to net income (ytd only)* | 137.1951% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 1,106 |
| Loan loss allowance to noncurrent loans | 256.0331% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 2.8406% | 470 |
| Noncurrent loans to loans | 0.7129% | 3,054 |
| Net loans and leases to total assets | 42.2761% | 5,337 |
| Net loans and leases to deposits | 47.1235% | 5,462 |
| Net loans and leases to core deposits | 53.7545% | 5,268 |
| Total domestic deposits to total assets | 89.7132% | 724 |
| Equity capital to assets | 10.1482% | 3,900 |
| Core capital (leverage) ratio | 10.4784% | 2,993 |
| Tier 1 risk-based capital ratio | 20.8049% | 1,343 |
| Total risk-based capital ratio | 22.0591% | 1,316 |
| Memoranda: | ||
| Average total assets | $192,492,000 | 3,072 |
| Average earning assets | $178,501,000 | 3,066 |
| Average equity | $20,058,000 | 3,194 |
| Average total loans | $87,129,000 | 3,677 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5089% | 4,896 |
| Cost of funding earning assets | 0.3912% | 3,253 |
| Net interest margin | 3.1177% | 4,858 |
| Noninterest income to average assets | 0.4334% | 3,797 |
| Noninterest expense to average assets | 2.4750% | 4,305 |
| Loan and lease loss provision to assets | 0.0403% | 3,535 |
| Net operating income to assets | 0.5720% | 4,411 |
| Return on assets (ROA) | 0.5720% | 4,498 |
| Pretax return on assets | 0.7789% | 4,261 |
| Return on Equity (ROE) | 5.2143% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.0674% | 3,112 |
| Net charge-offs to loans | 0.2552% | 1,183 |
| Credit loss provision to net charge-offs | 32.1429% | 3,619 |
| Earnings coverage of net charge-offs (x) | 6.5402% | 3,207 |
| Efficiency ratio | 75.1316% | 2,409 |
| Assets per employee ($millions) | 4.8183% | 2,580 |
| Cash dividends to net income (ytd only)* | 21.9941% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 1,161 |
| Loan loss allowance to noncurrent loans | 126.7673% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 3.2036% | 397 |
| Noncurrent loans to loans | 1.4083% | 1,656 |
| Net loans and leases to total assets | 46.7233% | 5,114 |
| Net loans and leases to deposits | 52.4210% | 5,266 |
| Net loans and leases to core deposits | 58.8330% | 5,052 |
| Total domestic deposits to total assets | 89.1307% | 1,052 |
| Equity capital to assets | 10.7054% | 3,129 |
| Core capital (leverage) ratio | 10.6552% | 2,767 |
| Tier 1 risk-based capital ratio | 20.4738% | 1,391 |
| Total risk-based capital ratio | 21.7281% | 1,364 |
| Memoranda: | ||
| Average total assets | $178,831,200 | 3,187 |
| Average earning assets | $164,097,400 | 3,201 |
| Average equity | $19,619,200 | 3,211 |
| Average total loans | $87,766,600 | 3,636 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5459% | 4,873 |
| Cost of funding earning assets | 0.3929% | 3,297 |
| Net interest margin | 3.1530% | 4,814 |
| Noninterest income to average assets | 0.3829% | 4,199 |
| Noninterest expense to average assets | 2.4580% | 4,327 |
| Loan and lease loss provision to assets | 0.0423% | 3,365 |
| Net operating income to assets | 0.5633% | 4,552 |
| Return on assets (ROA) | 0.5633% | 4,637 |
| Pretax return on assets | 0.7672% | 4,439 |
| Return on Equity (ROE) | 5.1021% | 4,580 |
| Retained earnings to average equity (ytd only) | 3.5633% | 3,928 |
| Net charge-offs to loans | 0.3800% | 680 |
| Credit loss provision to net charge-offs | 22.4900% | 3,345 |
| Earnings coverage of net charge-offs (x) | 4.3053% | 3,371 |
| Efficiency ratio | 75.2253% | 2,365 |
| Assets per employee ($millions) | 4.9652% | 2,347 |
| Cash dividends to net income (ytd only)* | 30.1607% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 1,409 |
| Loan loss allowance to noncurrent loans | 133.5911% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 3.1393% | 462 |
| Noncurrent loans to loans | 1.2943% | 1,976 |
| Net loans and leases to total assets | 45.6397% | 5,255 |
| Net loans and leases to deposits | 51.0009% | 5,420 |
| Net loans and leases to core deposits | 56.7278% | 5,266 |
| Total domestic deposits to total assets | 89.4879% | 778 |
| Equity capital to assets | 10.2797% | 3,842 |
| Core capital (leverage) ratio | 11.2509% | 2,246 |
| Tier 1 risk-based capital ratio | 20.0883% | 1,519 |
| Total risk-based capital ratio | 21.3423% | 1,490 |
| Memoranda: | ||
| Average total assets | $176,560,250 | 3,242 |
| Average earning assets | $161,535,750 | 3,262 |
| Average equity | $19,494,750 | 3,251 |
| Average total loans | $87,359,250 | 3,685 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 4,647 |
| Cost of funding earning assets | 0.4080% | 3,188 |
| Net interest margin | 3.2200% | 4,603 |
| Noninterest income to average assets | 0.4073% | 4,034 |
| Noninterest expense to average assets | 2.5353% | 4,117 |
| Loan and lease loss provision to assets | 0.0281% | 3,563 |
| Net operating income to assets | 0.5677% | 4,486 |
| Return on assets (ROA) | 0.5677% | 4,587 |
| Pretax return on assets | 0.7725% | 4,412 |
| Return on Equity (ROE) | 5.0109% | 4,612 |
| Retained earnings to average equity (ytd only) | 2.6863% | 4,349 |
| Net charge-offs to loans | 0.0324% | 3,017 |
| Credit loss provision to net charge-offs | 171.4286% | 1,395 |
| Earnings coverage of net charge-offs (x) | 48.8571% | 973 |
| Efficiency ratio | 76.0000% | 2,356 |
| Assets per employee ($millions) | 4.4018% | 3,138 |
| Cash dividends to net income (ytd only)* | 46.3918% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 1,072 |
| Loan loss allowance to noncurrent loans | 98.4874% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 3.9524% | 338 |
| Noncurrent loans to loans | 1.9801% | 1,242 |
| Net loans and leases to total assets | 51.4869% | 4,803 |
| Net loans and leases to deposits | 58.1777% | 4,982 |
| Net loans and leases to core deposits | 65.0234% | 4,724 |
| Total domestic deposits to total assets | 88.4994% | 1,412 |
| Equity capital to assets | 11.3165% | 2,563 |
| Core capital (leverage) ratio | 11.1216% | 2,312 |
| Tier 1 risk-based capital ratio | 19.1718% | 1,758 |
| Total risk-based capital ratio | 20.4316% | 1,723 |
| Memoranda: | ||
| Average total assets | $170,866,000 | 3,333 |
| Average earning assets | $155,402,000 | 3,370 |
| Average equity | $19,357,670 | 3,280 |
| Average total loans | $86,501,330 | 3,722 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4799% | 5,020 |
| Cost of funding earning assets | 0.4024% | 3,275 |
| Net interest margin | 3.0774% | 5,010 |
| Noninterest income to average assets | 0.4576% | 3,592 |
| Noninterest expense to average assets | 2.5554% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5209% | 4,579 |
| Return on assets (ROA) | 0.5209% | 4,697 |
| Pretax return on assets | 0.7016% | 4,584 |
| Return on Equity (ROE) | 4.5956% | 4,718 |
| Retained earnings to average equity (ytd only) | -0.0621% | 5,388 |
| Net charge-offs to loans | 0.0094% | 3,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 149.5000% | 358 |
| Efficiency ratio | 78.4582% | 2,122 |
| Assets per employee ($millions) | 4.2785% | 3,416 |
| Cash dividends to net income (ytd only)* | 101.3514% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0397% | 1,009 |
| Loan loss allowance to noncurrent loans | 70.4032% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 4.4209% | 306 |
| Noncurrent loans to loans | 2.8971% | 773 |
| Net loans and leases to total assets | 47.8035% | 5,055 |
| Net loans and leases to deposits | 53.8758% | 5,200 |
| Net loans and leases to core deposits | 60.2687% | 4,975 |
| Total domestic deposits to total assets | 88.7292% | 1,439 |
| Equity capital to assets | 11.0667% | 2,899 |
| Core capital (leverage) ratio | 11.3056% | 2,153 |
| Tier 1 risk-based capital ratio | 19.5910% | 1,714 |
| Total risk-based capital ratio | 19.5910% | 2,007 |
| Memoranda: | ||
| Average total assets | $170,464,500 | 3,356 |
| Average earning assets | $155,064,000 | 3,390 |
| Average equity | $19,323,000 | 3,308 |
| Average total loans | $84,679,500 | 3,781 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 4,801 |
| Cost of funding earning assets | 0.4288% | 3,394 |
| Net interest margin | 3.2619% | 4,712 |
| Noninterest income to average assets | 0.4538% | 3,807 |
| Noninterest expense to average assets | 2.7517% | 3,667 |
| Loan and lease loss provision to assets | 0.0375% | 3,828 |
| Net operating income to assets | 0.4800% | 4,890 |
| Return on assets (ROA) | 0.4800% | 4,984 |
| Pretax return on assets | 0.6324% | 4,831 |
| Return on Equity (ROE) | 4.1005% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.0341% | 4,080 |
| Net charge-offs to loans | 0.4560% | 921 |
| Credit loss provision to net charge-offs | 15.5039% | 4,030 |
| Earnings coverage of net charge-offs (x) | 2.7726% | 4,067 |
| Efficiency ratio | 80.4233% | 1,864 |
| Assets per employee ($millions) | 4.1378% | 3,654 |
| Cash dividends to net income (ytd only)* | 26.0078% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 969 |
| Loan loss allowance to noncurrent loans | 65.2482% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 4.7725% | 304 |
| Noncurrent loans to loans | 3.1985% | 681 |
| Net loans and leases to total assets | 49.5490% | 5,014 |
| Net loans and leases to deposits | 56.2137% | 5,169 |
| Net loans and leases to core deposits | 61.7794% | 5,014 |
| Total domestic deposits to total assets | 88.1440% | 1,690 |
| Equity capital to assets | 11.6204% | 2,325 |
| Core capital (leverage) ratio | 11.6648% | 1,851 |
| Tier 1 risk-based capital ratio | 20.6612% | 1,477 |
| Total risk-based capital ratio | 21.9194% | 1,446 |
| Memoranda: | ||
| Average total assets | $160,191,800 | 3,487 |
| Average earning assets | $145,741,800 | 3,511 |
| Average equity | $18,753,800 | 3,318 |
| Average total loans | $84,874,200 | 3,742 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7195% | 4,801 |
| Cost of funding earning assets | 0.4287% | 3,478 |
| Net interest margin | 3.2908% | 4,641 |
| Noninterest income to average assets | 0.4624% | 3,795 |
| Noninterest expense to average assets | 2.8057% | 3,440 |
| Loan and lease loss provision to assets | 0.0504% | 3,366 |
| Net operating income to assets | 0.4557% | 5,053 |
| Return on assets (ROA) | 0.4557% | 5,136 |
| Pretax return on assets | 0.5959% | 5,045 |
| Return on Equity (ROE) | 3.8853% | 5,215 |
| Retained earnings to average equity (ytd only) | 2.4542% | 4,829 |
| Net charge-offs to loans | 0.7109% | 489 |
| Credit loss provision to net charge-offs | 13.2159% | 3,669 |
| Earnings coverage of net charge-offs (x) | 1.6960% | 4,100 |
| Efficiency ratio | 81.2789% | 1,711 |
| Assets per employee ($millions) | 3.9392% | 4,013 |
| Cash dividends to net income (ytd only)* | 36.8325% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0032% | 1,254 |
| Loan loss allowance to noncurrent loans | 91.2100% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 4.4828% | 405 |
| Noncurrent loans to loans | 2.1963% | 1,386 |
| Net loans and leases to total assets | 50.9157% | 4,902 |
| Net loans and leases to deposits | 57.8381% | 5,113 |
| Net loans and leases to core deposits | 63.7189% | 4,902 |
| Total domestic deposits to total assets | 88.0316% | 1,748 |
| Equity capital to assets | 11.7561% | 2,257 |
| Core capital (leverage) ratio | 11.9642% | 1,716 |
| Tier 1 risk-based capital ratio | 20.6053% | 1,527 |
| Total risk-based capital ratio | 21.8619% | 1,491 |
| Memoranda: | ||
| Average total assets | $158,862,000 | 3,531 |
| Average earning assets | $144,318,750 | 3,568 |
| Average equity | $18,634,000 | 3,346 |
| Average total loans | $85,153,500 | 3,778 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 4,731 |
| Cost of funding earning assets | 0.4266% | 3,585 |
| Net interest margin | 3.3140% | 4,533 |
| Noninterest income to average assets | 0.4418% | 3,927 |
| Noninterest expense to average assets | 2.7548% | 3,685 |
| Loan and lease loss provision to assets | 0.0760% | 2,753 |
| Net operating income to assets | 0.4659% | 4,948 |
| Return on assets (ROA) | 0.4659% | 5,024 |
| Pretax return on assets | 0.6203% | 4,892 |
| Return on Equity (ROE) | 3.9749% | 5,158 |
| Retained earnings to average equity (ytd only) | 1.8146% | 4,984 |
| Net charge-offs to loans | 0.6311% | 613 |
| Credit loss provision to net charge-offs | 22.2222% | 3,170 |
| Earnings coverage of net charge-offs (x) | 2.0370% | 3,663 |
| Efficiency ratio | 79.8239% | 2,046 |
| Assets per employee ($millions) | 4.0672% | 3,699 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2070% | 1,014 |
| Loan loss allowance to noncurrent loans | 87.9717% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 4.7674% | 390 |
| Noncurrent loans to loans | 2.5088% | 1,240 |
| Net loans and leases to total assets | 52.0991% | 4,738 |
| Net loans and leases to deposits | 59.2288% | 4,928 |
| Net loans and leases to core deposits | 65.1265% | 4,720 |
| Total domestic deposits to total assets | 87.9624% | 1,921 |
| Equity capital to assets | 11.8687% | 2,089 |
| Core capital (leverage) ratio | 11.9265% | 1,705 |
| Tier 1 risk-based capital ratio | 20.3779% | 1,595 |
| Total risk-based capital ratio | 21.6366% | 1,564 |
| Memoranda: | ||
| Average total assets | $157,980,000 | 3,564 |
| Average earning assets | $143,451,000 | 3,601 |
| Average equity | $18,516,330 | 3,357 |
| Average total loans | $85,566,670 | 3,780 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 4,666 |
| Cost of funding earning assets | 0.4260% | 3,684 |
| Net interest margin | 3.3242% | 4,446 |
| Noninterest income to average assets | 0.4338% | 3,916 |
| Noninterest expense to average assets | 2.6208% | 4,207 |
| Loan and lease loss provision to assets | 0.1522% | 1,592 |
| Net operating income to assets | 0.5100% | 4,635 |
| Return on assets (ROA) | 0.5100% | 4,713 |
| Pretax return on assets | 0.6698% | 4,597 |
| Return on Equity (ROE) | 4.3787% | 4,849 |
| Retained earnings to average equity (ytd only) | 0.0218% | 5,540 |
| Net charge-offs to loans | 0.4646% | 780 |
| Credit loss provision to net charge-offs | 60.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 3.2400% | 2,715 |
| Efficiency ratio | 76.1238% | 2,781 |
| Assets per employee ($millions) | 4.0839% | 3,748 |
| Cash dividends to net income (ytd only)* | 99.5025% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3661% | 948 |
| Loan loss allowance to noncurrent loans | 58.5275% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 5.6294% | 328 |
| Noncurrent loans to loans | 4.0427% | 663 |
| Net loans and leases to total assets | 52.7224% | 4,573 |
| Net loans and leases to deposits | 59.7559% | 4,790 |
| Net loans and leases to core deposits | 65.7181% | 4,513 |
| Total domestic deposits to total assets | 88.2296% | 2,091 |
| Equity capital to assets | 11.5890% | 2,179 |
| Core capital (leverage) ratio | 12.0187% | 1,644 |
| Tier 1 risk-based capital ratio | 20.5539% | 1,569 |
| Total risk-based capital ratio | 21.8160% | 1,537 |
| Memoranda: | ||
| Average total assets | $157,660,500 | 3,595 |
| Average earning assets | $142,709,000 | 3,637 |
| Average equity | $18,361,500 | 3,373 |
| Average total loans | $86,098,000 | 3,794 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0353% | 3,964 |
| Cost of funding earning assets | 0.4984% | 3,631 |
| Net interest margin | 3.5369% | 3,736 |
| Noninterest income to average assets | 0.5105% | 3,688 |
| Noninterest expense to average assets | 2.7087% | 4,062 |
| Loan and lease loss provision to assets | 0.4612% | 620 |
| Net operating income to assets | 0.4227% | 5,066 |
| Return on assets (ROA) | 0.4227% | 5,174 |
| Pretax return on assets | 0.5540% | 5,035 |
| Return on Equity (ROE) | 3.6092% | 5,278 |
| Retained earnings to average equity (ytd only) | 2.7889% | 4,258 |
| Net charge-offs to loans | 0.6988% | 922 |
| Credit loss provision to net charge-offs | 117.8396% | 2,042 |
| Earnings coverage of net charge-offs (x) | 2.5941% | 4,136 |
| Efficiency ratio | 72.7382% | 3,346 |
| Assets per employee ($millions) | 4.1066% | 3,635 |
| Cash dividends to net income (ytd only)* | 22.7273% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4075% | 920 |
| Loan loss allowance to noncurrent loans | 69.7010% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 5.3054% | 424 |
| Noncurrent loans to loans | 3.4540% | 919 |
| Net loans and leases to total assets | 53.9023% | 4,589 |
| Net loans and leases to deposits | 61.2210% | 4,804 |
| Net loans and leases to core deposits | 66.9197% | 4,625 |
| Total domestic deposits to total assets | 88.0454% | 2,151 |
| Equity capital to assets | 11.7047% | 2,027 |
| Core capital (leverage) ratio | 11.8373% | 1,726 |
| Tier 1 risk-based capital ratio | 19.3508% | 1,828 |
| Total risk-based capital ratio | 20.6116% | 1,783 |
| Memoranda: | ||
| Average total assets | $156,126,200 | 3,617 |
| Average earning assets | $141,849,200 | 3,636 |
| Average equity | $18,286,800 | 3,371 |
| Average total loans | $87,437,800 | 3,750 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 4,281 |
| Cost of funding earning assets | 0.5114% | 3,658 |
| Net interest margin | 3.4495% | 4,089 |
| Noninterest income to average assets | 0.4671% | 4,021 |
| Noninterest expense to average assets | 2.6325% | 4,268 |
| Loan and lease loss provision to assets | 0.4611% | 614 |
| Net operating income to assets | 0.3962% | 5,254 |
| Return on assets (ROA) | 0.3962% | 5,395 |
| Pretax return on assets | 0.5123% | 5,318 |
| Return on Equity (ROE) | 3.3820% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.2887% | 4,955 |
| Net charge-offs to loans | 0.9557% | 599 |
| Credit loss provision to net charge-offs | 85.8506% | 2,716 |
| Earnings coverage of net charge-offs (x) | 1.8124% | 4,230 |
| Efficiency ratio | 73.0050% | 3,216 |
| Assets per employee ($millions) | 3.9757% | 3,884 |
| Cash dividends to net income (ytd only)* | 32.3285% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1475% | 1,416 |
| Loan loss allowance to noncurrent loans | 46.6683% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 5.5181% | 473 |
| Noncurrent loans to loans | 4.6016% | 695 |
| Net loans and leases to total assets | 55.1608% | 4,433 |
| Net loans and leases to deposits | 62.7282% | 4,663 |
| Net loans and leases to core deposits | 69.0221% | 4,430 |
| Total domestic deposits to total assets | 87.9363% | 2,169 |
| Equity capital to assets | 11.7503% | 2,084 |
| Core capital (leverage) ratio | 12.0021% | 1,668 |
| Tier 1 risk-based capital ratio | 19.6743% | 1,820 |
| Total risk-based capital ratio | 20.9358% | 1,774 |
| Memoranda: | ||
| Average total assets | $156,145,500 | 3,647 |
| Average earning assets | $142,084,250 | 3,669 |
| Average equity | $18,292,250 | 3,406 |
| Average total loans | $87,750,000 | 3,765 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9753% | 4,205 |
| Cost of funding earning assets | 0.5257% | 3,646 |
| Net interest margin | 3.4496% | 4,007 |
| Noninterest income to average assets | 0.4409% | 4,243 |
| Noninterest expense to average assets | 2.6823% | 4,097 |
| Loan and lease loss provision to assets | 0.4600% | 625 |
| Net operating income to assets | 0.3399% | 5,447 |
| Return on assets (ROA) | 0.3399% | 5,616 |
| Pretax return on assets | 0.4345% | 5,566 |
| Return on Equity (ROE) | 2.9045% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.2666% | 5,392 |
| Net charge-offs to loans | 1.2952% | 440 |
| Credit loss provision to net charge-offs | 63.2689% | 2,958 |
| Earnings coverage of net charge-offs (x) | 1.2302% | 4,133 |
| Efficiency ratio | 74.9911% | 2,946 |
| Assets per employee ($millions) | 4.1801% | 3,405 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 1,854 |
| Loan loss allowance to noncurrent loans | 42.8955% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 5.6988% | 505 |
| Noncurrent loans to loans | 4.6525% | 739 |
| Net loans and leases to total assets | 55.7871% | 4,332 |
| Net loans and leases to deposits | 63.3276% | 4,577 |
| Net loans and leases to core deposits | 68.8735% | 4,410 |
| Total domestic deposits to total assets | 88.0928% | 2,179 |
| Equity capital to assets | 11.6253% | 2,194 |
| Core capital (leverage) ratio | 11.5906% | 1,862 |
| Tier 1 risk-based capital ratio | 19.2482% | 1,925 |
| Total risk-based capital ratio | 20.5051% | 1,894 |
| Memoranda: | ||
| Average total assets | $156,510,000 | 3,665 |
| Average earning assets | $142,278,330 | 3,685 |
| Average equity | $18,316,670 | 3,419 |
| Average total loans | $87,865,000 | 3,771 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9461% | 4,306 |
| Cost of funding earning assets | 0.5405% | 3,672 |
| Net interest margin | 3.4056% | 4,096 |
| Noninterest income to average assets | 0.5285% | 3,581 |
| Noninterest expense to average assets | 2.7974% | 3,706 |
| Loan and lease loss provision to assets | 0.4573% | 618 |
| Net operating income to assets | 0.3023% | 5,558 |
| Return on assets (ROA) | 0.3023% | 5,685 |
| Pretax return on assets | 0.3633% | 5,666 |
| Return on Equity (ROE) | 2.5751% | 5,749 |
| Retained earnings to average equity (ytd only) | -0.6708% | 5,910 |
| Net charge-offs to loans | 0.7610% | 801 |
| Credit loss provision to net charge-offs | 107.7844% | 1,718 |
| Earnings coverage of net charge-offs (x) | 1.9341% | 3,193 |
| Efficiency ratio | 77.3174% | 2,720 |
| Assets per employee ($millions) | 4.0914% | 3,759 |
| Cash dividends to net income (ytd only)* | 126.0504% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2491% | 1,489 |
| Loan loss allowance to noncurrent loans | 44.9875% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 5.9073% | 544 |
| Noncurrent loans to loans | 4.9995% | 765 |
| Net loans and leases to total assets | 53.9025% | 4,435 |
| Net loans and leases to deposits | 61.1327% | 4,666 |
| Net loans and leases to core deposits | 66.0553% | 4,523 |
| Total domestic deposits to total assets | 88.1729% | 2,213 |
| Equity capital to assets | 11.5513% | 2,367 |
| Core capital (leverage) ratio | 11.6838% | 1,761 |
| Tier 1 risk-based capital ratio | 18.9472% | 2,059 |
| Total risk-based capital ratio | 20.1998% | 2,031 |
| Memoranda: | ||
| Average total assets | $157,433,500 | 3,689 |
| Average earning assets | $142,824,000 | 3,716 |
| Average equity | $18,485,000 | 3,454 |
| Average total loans | $87,778,000 | 3,795 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 4,961 |
| Cost of funding earning assets | 0.6796% | 3,654 |
| Net interest margin | 3.4165% | 4,826 |
| Noninterest income to average assets | 0.5076% | 3,846 |
| Noninterest expense to average assets | 2.4322% | 5,314 |
| Loan and lease loss provision to assets | 0.8450% | 559 |
| Net operating income to assets | 0.2819% | 5,534 |
| Return on assets (ROA) | 0.2819% | 5,747 |
| Pretax return on assets | 0.3405% | 5,743 |
| Return on Equity (ROE) | 2.4648% | 5,763 |
| Retained earnings to average equity (ytd only) | 1.9195% | 4,866 |
| Net charge-offs to loans | 1.5084% | 590 |
| Credit loss provision to net charge-offs | 99.9263% | 3,100 |
| Earnings coverage of net charge-offs (x) | 1.4019% | 4,750 |
| Efficiency ratio | 67.2298% | 4,288 |
| Assets per employee ($millions) | 4.0869% | 3,773 |
| Cash dividends to net income (ytd only)* | 22.1239% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2451% | 1,469 |
| Loan loss allowance to noncurrent loans | 39.9756% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 6.5157% | 508 |
| Noncurrent loans to loans | 5.6163% | 651 |
| Net loans and leases to total assets | 55.1194% | 4,436 |
| Net loans and leases to deposits | 62.8255% | 4,681 |
| Net loans and leases to core deposits | 67.8119% | 4,558 |
| Total domestic deposits to total assets | 87.7341% | 2,388 |
| Equity capital to assets | 11.9368% | 2,086 |
| Core capital (leverage) ratio | 11.7005% | 1,735 |
| Tier 1 risk-based capital ratio | 18.9717% | 1,965 |
| Total risk-based capital ratio | 20.2299% | 1,934 |
| Memoranda: | ||
| Average total assets | $160,347,800 | 3,622 |
| Average earning assets | $145,967,800 | 3,625 |
| Average equity | $18,338,200 | 3,428 |
| Average total loans | $89,899,200 | 3,750 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 5,018 |
| Cost of funding earning assets | 0.7091% | 3,687 |
| Net interest margin | 3.4360% | 4,897 |
| Noninterest income to average assets | 0.4653% | 4,177 |
| Noninterest expense to average assets | 2.4660% | 5,188 |
| Loan and lease loss provision to assets | 0.7673% | 634 |
| Net operating income to assets | 0.3011% | 5,612 |
| Return on assets (ROA) | 0.3011% | 5,814 |
| Pretax return on assets | 0.3663% | 5,798 |
| Return on Equity (ROE) | 2.6610% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.9320% | 5,362 |
| Net charge-offs to loans | 1.2835% | 741 |
| Credit loss provision to net charge-offs | 106.7738% | 2,750 |
| Earnings coverage of net charge-offs (x) | 1.5775% | 4,493 |
| Efficiency ratio | 68.5079% | 3,958 |
| Assets per employee ($millions) | 4.2034% | 3,464 |
| Cash dividends to net income (ytd only)* | 27.3975% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2772% | 1,567 |
| Loan loss allowance to noncurrent loans | 46.6498% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 5.9553% | 674 |
| Noncurrent loans to loans | 4.8814% | 934 |
| Net loans and leases to total assets | 55.9032% | 4,471 |
| Net loans and leases to deposits | 63.7326% | 4,749 |
| Net loans and leases to core deposits | 68.9293% | 4,619 |
| Total domestic deposits to total assets | 87.7152% | 2,217 |
| Equity capital to assets | 11.9022% | 2,348 |
| Core capital (leverage) ratio | 11.4582% | 2,017 |
| Tier 1 risk-based capital ratio | 18.3880% | 2,202 |
| Total risk-based capital ratio | 19.6480% | 2,176 |
| Memoranda: | ||
| Average total assets | $161,609,500 | 3,625 |
| Average earning assets | $147,415,250 | 3,637 |
| Average equity | $18,288,250 | 3,469 |
| Average total loans | $90,482,250 | 3,776 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 5,186 |
| Cost of funding earning assets | 0.7470% | 3,625 |
| Net interest margin | 3.3856% | 5,137 |
| Noninterest income to average assets | 0.4412% | 4,360 |
| Noninterest expense to average assets | 2.4530% | 5,284 |
| Loan and lease loss provision to assets | 0.7394% | 707 |
| Net operating income to assets | 0.2994% | 5,623 |
| Return on assets (ROA) | 0.2994% | 5,823 |
| Pretax return on assets | 0.3398% | 5,862 |
| Return on Equity (ROE) | 2.6902% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.5922% | 5,409 |
| Net charge-offs to loans | 1.5914% | 594 |
| Credit loss provision to net charge-offs | 83.5635% | 3,226 |
| Earnings coverage of net charge-offs (x) | 1.2196% | 4,397 |
| Efficiency ratio | 69.4464% | 3,861 |
| Assets per employee ($millions) | 4.1686% | 3,523 |
| Cash dividends to net income (ytd only)* | 40.8163% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1025% | 1,992 |
| Loan loss allowance to noncurrent loans | 37.1906% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 5.8410% | 743 |
| Noncurrent loans to loans | 5.6534% | 811 |
| Net loans and leases to total assets | 52.9273% | 4,973 |
| Net loans and leases to deposits | 59.8968% | 5,246 |
| Net loans and leases to core deposits | 66.4694% | 4,943 |
| Total domestic deposits to total assets | 88.3641% | 1,922 |
| Equity capital to assets | 11.2786% | 2,820 |
| Core capital (leverage) ratio | 10.9087% | 2,384 |
| Tier 1 risk-based capital ratio | 18.2688% | 2,206 |
| Total risk-based capital ratio | 19.5270% | 2,171 |
| Memoranda: | ||
| Average total assets | $163,637,330 | 3,603 |
| Average earning assets | $149,395,330 | 3,616 |
| Average equity | $18,214,000 | 3,469 |
| Average total loans | $90,986,330 | 3,780 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 5,080 |
| Cost of funding earning assets | 0.7984% | 3,488 |
| Net interest margin | 3.4083% | 5,088 |
| Noninterest income to average assets | 0.5068% | 3,868 |
| Noninterest expense to average assets | 2.4292% | 5,374 |
| Loan and lease loss provision to assets | 0.8040% | 612 |
| Net operating income to assets | 0.3192% | 5,591 |
| Return on assets (ROA) | 0.3192% | 5,756 |
| Pretax return on assets | 0.4045% | 5,710 |
| Return on Equity (ROE) | 2.8866% | 5,758 |
| Retained earnings to average equity (ytd only) | 0.6831% | 5,789 |
| Net charge-offs to loans | 0.2507% | 2,667 |
| Credit loss provision to net charge-offs | 568.9655% | 595 |
| Earnings coverage of net charge-offs (x) | 8.5517% | 1,948 |
| Efficiency ratio | 66.7783% | 4,405 |
| Assets per employee ($millions) | 4.4407% | 3,102 |
| Cash dividends to net income (ytd only)* | 76.3359% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4535% | 1,421 |
| Loan loss allowance to noncurrent loans | 44.4864% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 5.2256% | 975 |
| Noncurrent loans to loans | 5.5152% | 967 |
| Net loans and leases to total assets | 52.7523% | 4,912 |
| Net loans and leases to deposits | 59.3101% | 5,244 |
| Net loans and leases to core deposits | 66.5640% | 4,849 |
| Total domestic deposits to total assets | 88.9432% | 1,732 |
| Equity capital to assets | 10.7480% | 3,215 |
| Core capital (leverage) ratio | 11.0113% | 2,251 |
| Tier 1 risk-based capital ratio | 18.0136% | 2,283 |
| Total risk-based capital ratio | 19.2751% | 2,249 |
| Memoranda: | ||
| Average total assets | $164,169,000 | 3,615 |
| Average earning assets | $150,808,500 | 3,604 |
| Average equity | $18,153,000 | 3,476 |
| Average total loans | $92,532,500 | 3,767 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 4,245 |
| Cost of funding earning assets | 0.9976% | 3,402 |
| Net interest margin | 3.7032% | 4,283 |
| Noninterest income to average assets | 0.4342% | 4,339 |
| Noninterest expense to average assets | 2.6039% | 5,086 |
| Loan and lease loss provision to assets | 1.2152% | 720 |
| Net operating income to assets | 0.0481% | 5,965 |
| Return on assets (ROA) | 0.1918% | 5,742 |
| Pretax return on assets | 0.1798% | 5,833 |
| Return on Equity (ROE) | 1.6813% | 5,780 |
| Retained earnings to average equity (ytd only) | 0.8490% | 5,468 |
| Net charge-offs to loans | 1.9718% | 705 |
| Credit loss provision to net charge-offs | 97.3631% | 3,700 |
| Earnings coverage of net charge-offs (x) | 1.0025% | 5,039 |
| Efficiency ratio | 67.5423% | 4,456 |
| Assets per employee ($millions) | 3.9898% | 3,881 |
| Cash dividends to net income (ytd only)* | 49.5050% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0968% | 2,014 |
| Loan loss allowance to noncurrent loans | 36.5003% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 5.4383% | 949 |
| Noncurrent loans to loans | 5.7447% | 895 |
| Net loans and leases to total assets | 57.5477% | 4,451 |
| Net loans and leases to deposits | 65.1937% | 4,850 |
| Net loans and leases to core deposits | 72.7160% | 4,411 |
| Total domestic deposits to total assets | 88.2719% | 1,982 |
| Equity capital to assets | 11.3847% | 2,609 |
| Core capital (leverage) ratio | 11.1306% | 2,170 |
| Tier 1 risk-based capital ratio | 17.6215% | 2,337 |
| Total risk-based capital ratio | 18.8795% | 2,296 |
| Memoranda: | ||
| Average total assets | $157,995,200 | 3,657 |
| Average earning assets | $145,953,600 | 3,636 |
| Average equity | $18,022,000 | 3,420 |
| Average total loans | $100,012,400 | 3,619 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8099% | 3,984 |
| Cost of funding earning assets | 1.0341% | 3,434 |
| Net interest margin | 3.7758% | 3,988 |
| Noninterest income to average assets | 0.3765% | 4,855 |
| Noninterest expense to average assets | 2.6430% | 4,928 |
| Loan and lease loss provision to assets | 0.9755% | 895 |
| Net operating income to assets | 0.2064% | 5,686 |
| Return on assets (ROA) | 0.2064% | 5,819 |
| Pretax return on assets | 0.2487% | 5,813 |
| Return on Equity (ROE) | 1.8089% | 5,837 |
| Retained earnings to average equity (ytd only) | 0.6968% | 5,738 |
| Net charge-offs to loans | 0.9833% | 1,642 |
| Credit loss provision to net charge-offs | 153.9386% | 2,016 |
| Earnings coverage of net charge-offs (x) | 1.9319% | 4,201 |
| Efficiency ratio | 68.3439% | 4,250 |
| Assets per employee ($millions) | 3.9952% | 3,852 |
| Cash dividends to net income (ytd only)* | 61.4760% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4765% | 1,430 |
| Loan loss allowance to noncurrent loans | 37.2655% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 5.8684% | 927 |
| Noncurrent loans to loans | 6.6457% | 783 |
| Net loans and leases to total assets | 59.7068% | 4,185 |
| Net loans and leases to deposits | 67.8044% | 4,642 |
| Net loans and leases to core deposits | 75.6314% | 4,238 |
| Total domestic deposits to total assets | 88.0574% | 2,006 |
| Equity capital to assets | 11.4639% | 2,716 |
| Core capital (leverage) ratio | 11.1651% | 2,268 |
| Tier 1 risk-based capital ratio | 17.1018% | 2,605 |
| Total risk-based capital ratio | 18.3653% | 2,560 |
| Memoranda: | ||
| Average total assets | $157,596,250 | 3,700 |
| Average earning assets | $145,696,000 | 3,669 |
| Average equity | $17,985,250 | 3,429 |
| Average total loans | $101,563,500 | 3,605 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 3,553 |
| Cost of funding earning assets | 1.0770% | 3,415 |
| Net interest margin | 3.8377% | 3,600 |
| Noninterest income to average assets | 0.4284% | 4,440 |
| Noninterest expense to average assets | 2.6916% | 4,855 |
| Loan and lease loss provision to assets | 0.6860% | 1,393 |
| Net operating income to assets | 0.4718% | 4,637 |
| Return on assets (ROA) | 0.4718% | 4,774 |
| Pretax return on assets | 0.5993% | 4,742 |
| Return on Equity (ROE) | 4.1402% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.4617% | 4,718 |
| Net charge-offs to loans | 1.2529% | 1,243 |
| Credit loss provision to net charge-offs | 83.5404% | 3,663 |
| Earnings coverage of net charge-offs (x) | 1.5652% | 4,115 |
| Efficiency ratio | 67.6819% | 4,577 |
| Assets per employee ($millions) | 3.9311% | 3,917 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 2,648 |
| Loan loss allowance to noncurrent loans | 43.4279% | 5,430 |
| Noncurrent assets plus other real estate owned to assets | 4.6997% | 1,328 |
| Noncurrent loans to loans | 4.3893% | 1,535 |
| Net loans and leases to total assets | 62.6063% | 3,764 |
| Net loans and leases to deposits | 71.2124% | 4,259 |
| Net loans and leases to core deposits | 78.5491% | 3,986 |
| Total domestic deposits to total assets | 87.9149% | 2,192 |
| Equity capital to assets | 11.6304% | 2,385 |
| Core capital (leverage) ratio | 11.3420% | 2,016 |
| Tier 1 risk-based capital ratio | 17.1855% | 2,445 |
| Total risk-based capital ratio | 18.4423% | 2,421 |
| Memoranda: | ||
| Average total assets | $156,859,670 | 3,735 |
| Average earning assets | $145,033,330 | 3,709 |
| Average equity | $17,873,670 | 3,435 |
| Average total loans | $102,805,330 | 3,612 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 3,672 |
| Cost of funding earning assets | 1.1158% | 3,413 |
| Net interest margin | 3.7672% | 3,771 |
| Noninterest income to average assets | 0.3830% | 4,852 |
| Noninterest expense to average assets | 2.7549% | 4,627 |
| Loan and lease loss provision to assets | 0.5745% | 1,502 |
| Net operating income to assets | 0.4519% | 4,711 |
| Return on assets (ROA) | 0.4519% | 4,796 |
| Pretax return on assets | 0.5362% | 4,910 |
| Return on Equity (ROE) | 4.0076% | 4,904 |
| Retained earnings to average equity (ytd only) | 0.6113% | 5,587 |
| Net charge-offs to loans | 1.0882% | 1,265 |
| Credit loss provision to net charge-offs | 79.5053% | 3,171 |
| Earnings coverage of net charge-offs (x) | 1.5371% | 3,561 |
| Efficiency ratio | 71.2682% | 3,995 |
| Assets per employee ($millions) | 3.7504% | 4,421 |
| Cash dividends to net income (ytd only)* | 84.7458% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 2,666 |
| Loan loss allowance to noncurrent loans | 37.5742% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 5.0655% | 1,239 |
| Noncurrent loans to loans | 5.0788% | 1,321 |
| Net loans and leases to total assets | 63.9931% | 3,443 |
| Net loans and leases to deposits | 72.3644% | 4,010 |
| Net loans and leases to core deposits | 79.3170% | 3,843 |
| Total domestic deposits to total assets | 88.4317% | 2,119 |
| Equity capital to assets | 11.2489% | 2,461 |
| Core capital (leverage) ratio | 11.3385% | 1,937 |
| Tier 1 risk-based capital ratio | 16.4664% | 2,674 |
| Total risk-based capital ratio | 17.7229% | 2,648 |
| Memoranda: | ||
| Average total assets | $156,668,000 | 3,764 |
| Average earning assets | $144,828,000 | 3,734 |
| Average equity | $17,666,500 | 3,456 |
| Average total loans | $104,029,500 | 3,623 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 4,258 |
| Cost of funding earning assets | 1.4267% | 3,090 |
| Net interest margin | 3.6394% | 4,622 |
| Noninterest income to average assets | 0.4441% | 4,567 |
| Noninterest expense to average assets | 2.5258% | 5,697 |
| Loan and lease loss provision to assets | 1.1540% | 1,373 |
| Net operating income to assets | 0.1387% | 5,476 |
| Return on assets (ROA) | 0.2845% | 5,149 |
| Pretax return on assets | 0.3167% | 5,186 |
| Return on Equity (ROE) | 2.6010% | 5,132 |
| Retained earnings to average equity (ytd only) | 1.7528% | 4,630 |
| Net charge-offs to loans | 1.7047% | 1,269 |
| Credit loss provision to net charge-offs | 98.2105% | 4,712 |
| Earnings coverage of net charge-offs (x) | 1.1137% | 4,997 |
| Efficiency ratio | 65.8710% | 4,994 |
| Assets per employee ($millions) | 3.7100% | 4,437 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9174% | 2,512 |
| Loan loss allowance to noncurrent loans | 42.0100% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 4.8582% | 1,337 |
| Noncurrent loans to loans | 4.5642% | 1,543 |
| Net loans and leases to total assets | 66.2814% | 3,408 |
| Net loans and leases to deposits | 75.0574% | 4,015 |
| Net loans and leases to core deposits | 82.1703% | 3,886 |
| Total domestic deposits to total assets | 88.3076% | 2,057 |
| Equity capital to assets | 11.3041% | 2,405 |
| Core capital (leverage) ratio | 11.1528% | 2,047 |
| Tier 1 risk-based capital ratio | 15.2347% | 3,136 |
| Total risk-based capital ratio | 16.4903% | 3,083 |
| Memoranda: | ||
| Average total assets | $161,692,400 | 3,667 |
| Average earning assets | $150,629,400 | 3,625 |
| Average equity | $17,685,800 | 3,476 |
| Average total loans | $111,455,400 | 3,511 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0669% | 4,497 |
| Cost of funding earning assets | 1.4749% | 3,122 |
| Net interest margin | 3.5920% | 4,908 |
| Noninterest income to average assets | 0.4266% | 4,747 |
| Noninterest expense to average assets | 2.4915% | 5,743 |
| Loan and lease loss provision to assets | 1.3287% | 1,041 |
| Net operating income to assets | -0.0367% | 6,073 |
| Return on assets (ROA) | 0.1667% | 5,755 |
| Pretax return on assets | 0.1757% | 5,778 |
| Return on Equity (ROE) | 1.5363% | 5,757 |
| Retained earnings to average equity (ytd only) | 0.4067% | 5,633 |
| Net charge-offs to loans | 1.9115% | 1,000 |
| Credit loss provision to net charge-offs | 100.3704% | 4,295 |
| Earnings coverage of net charge-offs (x) | 0.9747% | 5,087 |
| Efficiency ratio | 65.8816% | 4,887 |
| Assets per employee ($millions) | 3.7388% | 4,417 |
| Cash dividends to net income (ytd only)* | 73.5321% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 2,475 |
| Loan loss allowance to noncurrent loans | 36.0595% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 4.4773% | 1,518 |
| Noncurrent loans to loans | 5.2780% | 1,285 |
| Net loans and leases to total assets | 66.0113% | 3,690 |
| Net loans and leases to deposits | 74.7538% | 4,387 |
| Net loans and leases to core deposits | 83.8999% | 3,953 |
| Total domestic deposits to total assets | 88.3049% | 1,790 |
| Equity capital to assets | 11.0949% | 2,859 |
| Core capital (leverage) ratio | 10.8188% | 2,397 |
| Tier 1 risk-based capital ratio | 14.8772% | 3,315 |
| Total risk-based capital ratio | 16.1333% | 3,289 |
| Memoranda: | ||
| Average total assets | $163,160,750 | 3,691 |
| Average earning assets | $152,410,500 | 3,651 |
| Average equity | $17,703,750 | 3,522 |
| Average total loans | $112,994,750 | 3,527 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1635% | 4,123 |
| Cost of funding earning assets | 1.5189% | 3,139 |
| Net interest margin | 3.6446% | 4,605 |
| Noninterest income to average assets | 0.4245% | 4,718 |
| Noninterest expense to average assets | 2.4189% | 6,012 |
| Loan and lease loss provision to assets | 1.4772% | 899 |
| Net operating income to assets | -0.0378% | 6,128 |
| Return on assets (ROA) | -0.0378% | 6,221 |
| Pretax return on assets | -0.0647% | 6,214 |
| Return on Equity (ROE) | -0.3511% | 6,223 |
| Retained earnings to average equity (ytd only) | -2.0499% | 6,152 |
| Net charge-offs to loans | 1.9337% | 946 |
| Credit loss provision to net charge-offs | 109.2960% | 3,735 |
| Earnings coverage of net charge-offs (x) | 1.0451% | 4,748 |
| Efficiency ratio | 63.1328% | 5,494 |
| Assets per employee ($millions) | 3.6772% | 4,532 |
| Cash dividends to net income (ytd only)* | -483.8710% | 7,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9272% | 2,350 |
| Loan loss allowance to noncurrent loans | 38.0448% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 3.7127% | 1,884 |
| Noncurrent loans to loans | 5.0656% | 1,355 |
| Net loans and leases to total assets | 67.8115% | 3,419 |
| Net loans and leases to deposits | 76.5662% | 4,226 |
| Net loans and leases to core deposits | 86.5181% | 3,760 |
| Total domestic deposits to total assets | 88.5659% | 1,691 |
| Equity capital to assets | 10.8624% | 3,009 |
| Core capital (leverage) ratio | 10.3449% | 2,780 |
| Tier 1 risk-based capital ratio | 14.0702% | 3,680 |
| Total risk-based capital ratio | 15.3227% | 3,642 |
| Memoranda: | ||
| Average total assets | $163,958,330 | 3,708 |
| Average earning assets | $153,266,670 | 3,652 |
| Average equity | $17,659,330 | 3,520 |
| Average total loans | $114,598,330 | 3,520 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 3,364 |
| Cost of funding earning assets | 1.5743% | 3,110 |
| Net interest margin | 3.7616% | 3,956 |
| Noninterest income to average assets | 0.4314% | 4,654 |
| Noninterest expense to average assets | 2.3776% | 6,170 |
| Loan and lease loss provision to assets | 0.8846% | 1,438 |
| Net operating income to assets | 0.4969% | 4,404 |
| Return on assets (ROA) | 0.4969% | 4,543 |
| Pretax return on assets | 0.6786% | 4,309 |
| Return on Equity (ROE) | 4.6324% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.2428% | 5,317 |
| Net charge-offs to loans | 1.2004% | 1,418 |
| Credit loss provision to net charge-offs | 104.8851% | 3,267 |
| Earnings coverage of net charge-offs (x) | 1.8534% | 3,625 |
| Efficiency ratio | 60.3321% | 6,109 |
| Assets per employee ($millions) | 3.9213% | 4,051 |
| Cash dividends to net income (ytd only)* | 73.1707% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 2,759 |
| Loan loss allowance to noncurrent loans | 52.6852% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.5921% | 2,812 |
| Noncurrent loans to loans | 3.4028% | 2,349 |
| Net loans and leases to total assets | 68.8513% | 3,191 |
| Net loans and leases to deposits | 77.6400% | 4,106 |
| Net loans and leases to core deposits | 88.1915% | 3,602 |
| Total domestic deposits to total assets | 88.6802% | 1,687 |
| Equity capital to assets | 10.7763% | 2,971 |
| Core capital (leverage) ratio | 10.6592% | 2,486 |
| Tier 1 risk-based capital ratio | 13.8707% | 3,748 |
| Total risk-based capital ratio | 15.1253% | 3,709 |
| Memoranda: | ||
| Average total assets | $165,039,000 | 3,744 |
| Average earning assets | $153,976,500 | 3,693 |
| Average equity | $17,701,500 | 3,539 |
| Average total loans | $115,961,000 | 3,543 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7600% | 2,818 |
| Cost of funding earning assets | 2.1725% | 2,147 |
| Net interest margin | 3.5875% | 4,594 |
| Noninterest income to average assets | 0.4390% | 4,890 |
| Noninterest expense to average assets | 2.7954% | 4,995 |
| Loan and lease loss provision to assets | 0.6576% | 3,181 |
| Net operating income to assets | 0.1822% | 4,958 |
| Return on assets (ROA) | 0.1822% | 5,026 |
| Pretax return on assets | 0.2848% | 4,805 |
| Return on Equity (ROE) | 1.6928% | 5,024 |
| Retained earnings to average equity (ytd only) | -1.1059% | 5,285 |
| Net charge-offs to loans | 0.8739% | 2,649 |
| Credit loss provision to net charge-offs | 107.0158% | 5,182 |
| Earnings coverage of net charge-offs (x) | 1.5336% | 4,599 |
| Efficiency ratio | 74.7888% | 3,744 |
| Assets per employee ($millions) | 3.8461% | 4,156 |
| Cash dividends to net income (ytd only)* | 165.3333% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 2,666 |
| Loan loss allowance to noncurrent loans | 75.7006% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.8454% | 3,603 |
| Noncurrent loans to loans | 2.3287% | 3,257 |
| Net loans and leases to total assets | 69.1754% | 3,444 |
| Net loans and leases to deposits | 77.9485% | 4,386 |
| Net loans and leases to core deposits | 119.6092% | 1,979 |
| Total domestic deposits to total assets | 88.7450% | 1,603 |
| Equity capital to assets | 10.6752% | 2,996 |
| Core capital (leverage) ratio | 10.4831% | 2,629 |
| Tier 1 risk-based capital ratio | 13.6733% | 3,700 |
| Total risk-based capital ratio | 14.9273% | 3,641 |
| Memoranda: | ||
| Average total assets | $164,697,200 | 3,691 |
| Average earning assets | $151,440,600 | 3,684 |
| Average equity | $17,722,400 | 3,541 |
| Average total loans | $115,805,800 | 3,568 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8851% | 2,512 |
| Cost of funding earning assets | 2.2945% | 2,002 |
| Net interest margin | 3.5906% | 4,510 |
| Noninterest income to average assets | 0.4725% | 4,729 |
| Noninterest expense to average assets | 2.8550% | 4,645 |
| Loan and lease loss provision to assets | 0.2350% | 5,095 |
| Net operating income to assets | 0.4830% | 4,062 |
| Return on assets (ROA) | 0.4830% | 4,156 |
| Pretax return on assets | 0.6759% | 3,942 |
| Return on Equity (ROE) | 4.4796% | 4,170 |
| Retained earnings to average equity (ytd only) | 0.7516% | 4,869 |
| Net charge-offs to loans | 0.2894% | 4,226 |
| Credit loss provision to net charge-offs | 115.5378% | 4,394 |
| Earnings coverage of net charge-offs (x) | 4.4781% | 3,125 |
| Efficiency ratio | 75.8124% | 3,541 |
| Assets per employee ($millions) | 3.8782% | 3,999 |
| Cash dividends to net income (ytd only)* | 83.2215% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7202% | 2,546 |
| Loan loss allowance to noncurrent loans | 68.9056% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.8667% | 3,561 |
| Noncurrent loans to loans | 2.4965% | 3,017 |
| Net loans and leases to total assets | 69.2382% | 3,663 |
| Net loans and leases to deposits | 78.5105% | 4,661 |
| Net loans and leases to core deposits | 118.9090% | 2,341 |
| Total domestic deposits to total assets | 88.1898% | 1,570 |
| Equity capital to assets | 10.9144% | 3,100 |
| Core capital (leverage) ratio | 10.6657% | 2,655 |
| Tier 1 risk-based capital ratio | 13.9135% | 3,601 |
| Total risk-based capital ratio | 15.1675% | 3,542 |
| Memoranda: | ||
| Average total assets | $164,525,500 | 3,712 |
| Average earning assets | $150,908,750 | 3,706 |
| Average equity | $17,739,250 | 3,572 |
| Average total loans | $115,642,750 | 3,603 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0245% | 2,076 |
| Cost of funding earning assets | 2.4189% | 1,883 |
| Net interest margin | 3.6056% | 4,337 |
| Noninterest income to average assets | 0.4775% | 4,649 |
| Noninterest expense to average assets | 3.0407% | 3,915 |
| Loan and lease loss provision to assets | 0.2198% | 4,843 |
| Net operating income to assets | 0.3456% | 4,696 |
| Return on assets (ROA) | 0.3456% | 4,813 |
| Pretax return on assets | 0.4933% | 4,643 |
| Return on Equity (ROE) | 3.2186% | 4,815 |
| Retained earnings to average equity (ytd only) | -1.8538% | 5,702 |
| Net charge-offs to loans | 0.1704% | 4,526 |
| Credit loss provision to net charge-offs | 183.6735% | 2,498 |
| Earnings coverage of net charge-offs (x) | 5.9592% | 2,718 |
| Efficiency ratio | 81.0020% | 2,886 |
| Assets per employee ($millions) | 3.7733% | 4,170 |
| Cash dividends to net income (ytd only)* | 157.5972% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7972% | 2,053 |
| Loan loss allowance to noncurrent loans | 82.8583% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.5815% | 3,844 |
| Noncurrent loans to loans | 2.1690% | 3,288 |
| Net loans and leases to total assets | 69.5116% | 3,811 |
| Net loans and leases to deposits | 78.6307% | 4,759 |
| Net loans and leases to core deposits | 121.0220% | 2,276 |
| Total domestic deposits to total assets | 88.4026% | 1,574 |
| Equity capital to assets | 10.8036% | 3,111 |
| Core capital (leverage) ratio | 10.5320% | 2,784 |
| Tier 1 risk-based capital ratio | 13.9772% | 3,534 |
| Total risk-based capital ratio | 15.2318% | 3,468 |
| Memoranda: | ||
| Average total assets | $163,780,000 | 3,745 |
| Average earning assets | $148,825,000 | 3,766 |
| Average equity | $17,585,330 | 3,601 |
| Average total loans | $115,029,000 | 3,645 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0494% | 2,156 |
| Cost of funding earning assets | 2.4576% | 2,079 |
| Net interest margin | 3.5918% | 4,348 |
| Noninterest income to average assets | 0.4862% | 4,449 |
| Noninterest expense to average assets | 2.4407% | 6,056 |
| Loan and lease loss provision to assets | 0.2188% | 4,266 |
| Net operating income to assets | 0.7682% | 3,261 |
| Return on assets (ROA) | 0.7682% | 3,437 |
| Pretax return on assets | 1.1061% | 2,967 |
| Return on Equity (ROE) | 7.1763% | 3,519 |
| Retained earnings to average equity (ytd only) | -2.9523% | 6,269 |
| Net charge-offs to loans | 0.0625% | 4,579 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 30.2778% | 1,045 |
| Efficiency ratio | 64.8160% | 5,539 |
| Assets per employee ($millions) | 3.8259% | 4,027 |
| Cash dividends to net income (ytd only)* | 141.1392% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 1,955 |
| Loan loss allowance to noncurrent loans | 80.0702% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.6041% | 3,512 |
| Noncurrent loans to loans | 2.2002% | 2,974 |
| Net loans and leases to total assets | 69.5884% | 3,781 |
| Net loans and leases to deposits | 78.5204% | 4,847 |
| Net loans and leases to core deposits | 120.0814% | 2,408 |
| Total domestic deposits to total assets | 88.6246% | 1,411 |
| Equity capital to assets | 10.6903% | 3,299 |
| Core capital (leverage) ratio | 10.7776% | 2,675 |
| Tier 1 risk-based capital ratio | 13.8564% | 3,667 |
| Total risk-based capital ratio | 15.1114% | 3,585 |
| Memoranda: | ||
| Average total assets | $164,544,000 | 3,751 |
| Average earning assets | $150,229,000 | 3,749 |
| Average equity | $17,613,500 | 3,622 |
| Average total loans | $115,119,500 | 3,670 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4450% | 3,207 |
| Cost of funding earning assets | 2.7331% | 3,005 |
| Net interest margin | 3.7119% | 4,423 |
| Noninterest income to average assets | 0.5095% | 4,544 |
| Noninterest expense to average assets | 2.4137% | 6,349 |
| Loan and lease loss provision to assets | 0.2435% | 4,478 |
| Net operating income to assets | 0.9083% | 2,965 |
| Return on assets (ROA) | 0.9083% | 2,813 |
| Pretax return on assets | 1.3338% | 2,192 |
| Return on Equity (ROE) | 8.7450% | 2,734 |
| Retained earnings to average equity (ytd only) | 5.8730% | 1,584 |
| Net charge-offs to loans | 0.3082% | 3,336 |
| Credit loss provision to net charge-offs | 114.9425% | 4,696 |
| Earnings coverage of net charge-offs (x) | 7.4454% | 3,113 |
| Efficiency ratio | 60.4790% | 6,262 |
| Assets per employee ($millions) | 3.9185% | 3,687 |
| Cash dividends to net income (ytd only)* | 32.8418% | 4,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7422% | 1,792 |
| Loan loss allowance to noncurrent loans | 100.1011% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.2481% | 3,729 |
| Noncurrent loans to loans | 1.7405% | 3,160 |
| Net loans and leases to total assets | 67.8858% | 4,483 |
| Net loans and leases to deposits | 76.6497% | 5,514 |
| Net loans and leases to core deposits | 121.7504% | 2,533 |
| Total domestic deposits to total assets | 88.5663% | 1,222 |
| Equity capital to assets | 10.7185% | 3,282 |
| Core capital (leverage) ratio | 10.8387% | 2,715 |
| Tier 1 risk-based capital ratio | 14.0569% | 3,522 |
| Total risk-based capital ratio | 15.3086% | 3,438 |
| Memoranda: | ||
| Average total assets | $164,270,400 | 3,642 |
| Average earning assets | $154,072,000 | 3,582 |
| Average equity | $17,061,200 | 3,727 |
| Average total loans | $112,919,200 | 3,617 |