Home > BankChampaign > Performance and Condition Ratios
BankChampaign, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 1,671 |
| Cost of funding earning assets | 0.7526% | 3,849 |
| Net interest margin | 4.4426% | 666 |
| Noninterest income to average assets | 1.1400% | 523 |
| Noninterest expense to average assets | 3.5479% | 546 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.7440% | 671 |
| Return on assets (ROA) | 1.7440% | 640 |
| Pretax return on assets | 1.7440% | 975 |
| Return on Equity (ROE) | 14.3700% | 1,407 |
| Retained earnings to average equity (ytd only) | 5.9397% | 2,268 |
| Net charge-offs to loans | -0.0006% | 3,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.9661% | 2,233 |
| Assets per employee ($millions) | 6.1525% | 2,690 |
| Cash dividends to net income (ytd only)* | 58.6790% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7283% | 618 |
| Loan loss allowance to noncurrent loans | 2,496.8000% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.3692% | 1,495 |
| Noncurrent loans to loans | 0.0692% | 3,216 |
| Net loans and leases to total assets | 82.4100% | 398 |
| Net loans and leases to deposits | 106.7918% | 266 |
| Net loans and leases to core deposits | 117.3276% | 705 |
| Total domestic deposits to total assets | 77.1700% | 3,831 |
| Equity capital to assets | 12.2848% | 1,042 |
| Core capital (leverage) ratio | 13.4526% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2721% | 1,212 |
| Memoranda: | ||
| Average total assets | $210,095,800 | 2,914 |
| Average earning assets | $196,774,600 | 2,897 |
| Average equity | $25,489,600 | 2,487 |
| Average total loans | $171,074,600 | 2,514 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0934% | 1,644 |
| Cost of funding earning assets | 0.5691% | 4,030 |
| Net interest margin | 4.5243% | 594 |
| Noninterest income to average assets | 1.0600% | 588 |
| Noninterest expense to average assets | 3.6362% | 475 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.6604% | 847 |
| Return on assets (ROA) | 1.6604% | 843 |
| Pretax return on assets | 1.6604% | 1,239 |
| Return on Equity (ROE) | 13.7300% | 1,728 |
| Retained earnings to average equity (ytd only) | 3.1684% | 3,473 |
| Net charge-offs to loans | -0.0008% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.5446% | 1,959 |
| Assets per employee ($millions) | 5.7161% | 3,002 |
| Cash dividends to net income (ytd only)* | 76.9231% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 508 |
| Loan loss allowance to noncurrent loans | 2,127.5862% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 1,386 |
| Noncurrent loans to loans | 0.0877% | 3,146 |
| Net loans and leases to total assets | 81.1200% | 520 |
| Net loans and leases to deposits | 103.0191% | 389 |
| Net loans and leases to core deposits | 108.8889% | 914 |
| Total domestic deposits to total assets | 78.7400% | 3,736 |
| Equity capital to assets | 12.5156% | 919 |
| Core capital (leverage) ratio | 13.4970% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6413% | 1,168 |
| Memoranda: | ||
| Average total assets | $208,785,000 | 2,931 |
| Average earning assets | $195,854,750 | 2,911 |
| Average equity | $25,248,500 | 2,488 |
| Average total loans | $168,698,500 | 2,534 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 1,549 |
| Cost of funding earning assets | 0.4302% | 4,117 |
| Net interest margin | 4.5792% | 549 |
| Noninterest income to average assets | 1.0800% | 509 |
| Noninterest expense to average assets | 3.5986% | 477 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.7695% | 689 |
| Return on assets (ROA) | 1.7695% | 691 |
| Pretax return on assets | 1.7695% | 1,069 |
| Return on Equity (ROE) | 14.8000% | 1,510 |
| Retained earnings to average equity (ytd only) | 6.8962% | 2,317 |
| Net charge-offs to loans | -0.0012% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8832% | 2,119 |
| Assets per employee ($millions) | 6.1723% | 2,567 |
| Cash dividends to net income (ytd only)* | 53.3903% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 570 |
| Loan loss allowance to noncurrent loans | 1,857.4850% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.4227% | 1,266 |
| Noncurrent loans to loans | 0.0984% | 2,998 |
| Net loans and leases to total assets | 81.7600% | 450 |
| Net loans and leases to deposits | 104.5606% | 353 |
| Net loans and leases to core deposits | 108.9629% | 870 |
| Total domestic deposits to total assets | 78.2000% | 3,827 |
| Equity capital to assets | 12.5526% | 917 |
| Core capital (leverage) ratio | 13.2030% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1390% | 1,096 |
| Memoranda: | ||
| Average total assets | $211,692,667 | 2,924 |
| Average earning assets | $198,985,667 | 2,894 |
| Average equity | $25,318,333 | 2,505 |
| Average total loans | $169,807,333 | 2,528 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 1,485 |
| Cost of funding earning assets | 0.3217% | 4,138 |
| Net interest margin | 4.5396% | 554 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 3.5940% | 489 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.6041% | 974 |
| Return on assets (ROA) | 1.6041% | 969 |
| Pretax return on assets | 1.6041% | 1,452 |
| Return on Equity (ROE) | 13.7300% | 1,828 |
| Retained earnings to average equity (ytd only) | 13.7337% | 974 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.9189% | 1,865 |
| Assets per employee ($millions) | 6.1786% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8667% | 578 |
| Loan loss allowance to noncurrent loans | 1,610.9948% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.6682% | 740 |
| Noncurrent loans to loans | 0.1159% | 2,941 |
| Net loans and leases to total assets | 74.8000% | 1,103 |
| Net loans and leases to deposits | 93.5906% | 811 |
| Net loans and leases to core deposits | 96.2600% | 1,270 |
| Total domestic deposits to total assets | 79.9300% | 3,769 |
| Equity capital to assets | 11.8664% | 1,038 |
| Core capital (leverage) ratio | 12.8525% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9311% | 1,000 |
| Memoranda: | ||
| Average total assets | $215,695,500 | 2,934 |
| Average earning assets | $202,661,500 | 2,916 |
| Average equity | $25,193,500 | 2,535 |
| Average total loans | $169,889,500 | 2,545 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 1,536 |
| Cost of funding earning assets | 0.1855% | 3,867 |
| Net interest margin | 3.8866% | 985 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 3.0602% | 886 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.5855% | 715 |
| Return on assets (ROA) | 1.5855% | 682 |
| Pretax return on assets | 1.5855% | 1,199 |
| Return on Equity (ROE) | 15.3900% | 1,166 |
| Retained earnings to average equity (ytd only) | 6.1325% | 2,596 |
| Net charge-offs to loans | -0.0904% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2897% | 2,322 |
| Assets per employee ($millions) | 6.5194% | 2,315 |
| Cash dividends to net income (ytd only)* | 60.1464% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7372% | 755 |
| Loan loss allowance to noncurrent loans | 1,454.0670% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.6800% | 717 |
| Noncurrent loans to loans | 0.1195% | 2,926 |
| Net loans and leases to total assets | 79.9000% | 607 |
| Net loans and leases to deposits | 98.7210% | 489 |
| Net loans and leases to core deposits | 100.7803% | 957 |
| Total domestic deposits to total assets | 80.9400% | 3,765 |
| Equity capital to assets | 11.4929% | 1,089 |
| Core capital (leverage) ratio | 12.0616% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6800% | 1,190 |
| Memoranda: | ||
| Average total assets | $241,192,200 | 2,777 |
| Average earning assets | $228,608,800 | 2,746 |
| Average equity | $24,851,200 | 2,593 |
| Average total loans | $172,490,800 | 2,432 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8401% | 1,636 |
| Cost of funding earning assets | 0.1774% | 3,544 |
| Net interest margin | 3.6626% | 1,240 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 3.0008% | 902 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4463% | 964 |
| Return on assets (ROA) | 1.4463% | 941 |
| Pretax return on assets | 1.4463% | 1,573 |
| Return on Equity (ROE) | 14.4000% | 1,325 |
| Retained earnings to average equity (ytd only) | 2.0737% | 4,013 |
| Net charge-offs to loans | -0.1202% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.8706% | 2,171 |
| Assets per employee ($millions) | 6.8001% | 2,093 |
| Cash dividends to net income (ytd only)* | 85.5973% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 719 |
| Loan loss allowance to noncurrent loans | 1,298.7069% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 823 |
| Noncurrent loans to loans | 0.1391% | 2,935 |
| Net loans and leases to total assets | 70.8300% | 1,408 |
| Net loans and leases to deposits | 85.9261% | 1,175 |
| Net loans and leases to core deposits | 87.8210% | 1,421 |
| Total domestic deposits to total assets | 82.4300% | 3,766 |
| Equity capital to assets | 10.3229% | 1,453 |
| Core capital (leverage) ratio | 11.0373% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6618% | 1,246 |
| Memoranda: | ||
| Average total assets | $247,705,000 | 2,765 |
| Average earning assets | $235,197,750 | 2,721 |
| Average equity | $24,882,500 | 2,626 |
| Average total loans | $171,878,750 | 2,441 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 1,769 |
| Cost of funding earning assets | 0.1710% | 3,301 |
| Net interest margin | 3.4516% | 1,449 |
| Noninterest income to average assets | 0.9937% | 678 |
| Noninterest expense to average assets | 2.9375% | 930 |
| Loan and lease loss provision to assets | 0.0395% | 1,872 |
| Net operating income to assets | 1.3017% | 1,132 |
| Return on assets (ROA) | 1.3017% | 1,114 |
| Pretax return on assets | 1.3017% | 1,744 |
| Return on Equity (ROE) | 13.0685% | 1,368 |
| Retained earnings to average equity (ytd only) | 3.5526% | 3,253 |
| Net charge-offs to loans | -0.1774% | 4,572 |
| Credit loss provision to net charge-offs | -32.4675% | 3,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6542% | 2,149 |
| Assets per employee ($millions) | 7.1876% | 1,816 |
| Cash dividends to net income (ytd only)* | 72.8155% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7512% | 872 |
| Loan loss allowance to noncurrent loans | 1,166.7969% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 761 |
| Noncurrent loans to loans | 0.1501% | 2,946 |
| Net loans and leases to total assets | 70.6504% | 1,239 |
| Net loans and leases to deposits | 86.9924% | 908 |
| Net loans and leases to core deposits | 89.5679% | 1,145 |
| Total domestic deposits to total assets | 81.2144% | 4,102 |
| Equity capital to assets | 10.2183% | 1,576 |
| Core capital (leverage) ratio | 10.4578% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1189% | 1,408 |
| Memoranda: | ||
| Average total assets | $253,205,333 | 2,756 |
| Average earning assets | $240,987,333 | 2,715 |
| Average equity | $25,221,000 | 2,667 |
| Average total loans | $173,581,333 | 2,435 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4295% | 2,005 |
| Cost of funding earning assets | 0.1620% | 3,342 |
| Net interest margin | 3.2675% | 1,660 |
| Noninterest income to average assets | 0.9800% | 704 |
| Noninterest expense to average assets | 2.8758% | 1,003 |
| Loan and lease loss provision to assets | 0.0383% | 1,673 |
| Net operating income to assets | 1.1852% | 1,283 |
| Return on assets (ROA) | 1.1852% | 1,282 |
| Pretax return on assets | 1.1852% | 1,858 |
| Return on Equity (ROE) | 12.0406% | 1,304 |
| Retained earnings to average equity (ytd only) | 12.0406% | 598 |
| Net charge-offs to loans | -0.3495% | 4,674 |
| Credit loss provision to net charge-offs | -16.3399% | 2,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1532% | 2,206 |
| Assets per employee ($millions) | 7.1190% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 948 |
| Loan loss allowance to noncurrent loans | 1,057.5000% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 881 |
| Noncurrent loans to loans | 0.1662% | 2,981 |
| Net loans and leases to total assets | 64.5650% | 1,549 |
| Net loans and leases to deposits | 78.1727% | 1,273 |
| Net loans and leases to core deposits | 80.7698% | 1,433 |
| Total domestic deposits to total assets | 82.5927% | 4,002 |
| Equity capital to assets | 10.0167% | 1,878 |
| Core capital (leverage) ratio | 9.9640% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7737% | 1,318 |
| Memoranda: | ||
| Average total assets | $261,212,000 | 2,712 |
| Average earning assets | $249,368,000 | 2,685 |
| Average equity | $25,713,000 | 2,728 |
| Average total loans | $175,090,000 | 2,415 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8193% | 1,820 |
| Cost of funding earning assets | 0.3618% | 1,839 |
| Net interest margin | 3.4575% | 1,862 |
| Noninterest income to average assets | 1.3118% | 626 |
| Noninterest expense to average assets | 3.1785% | 748 |
| Loan and lease loss provision to assets | 0.0776% | 1,574 |
| Net operating income to assets | 1.3281% | 1,526 |
| Return on assets (ROA) | 1.3281% | 1,563 |
| Pretax return on assets | 1.3281% | 2,272 |
| Return on Equity (ROE) | 13.4844% | 1,315 |
| Retained earnings to average equity (ytd only) | 3.8386% | 3,281 |
| Net charge-offs to loans | 0.1079% | 815 |
| Credit loss provision to net charge-offs | 98.5222% | 1,827 |
| Earnings coverage of net charge-offs (x) | 17.8571% | 1,926 |
| Efficiency ratio | 69.3368% | 1,815 |
| Assets per employee ($millions) | 7.3928% | 1,672 |
| Cash dividends to net income (ytd only)* | 71.5328% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5312% | 1,448 |
| Loan loss allowance to noncurrent loans | 915.4605% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 1,002 |
| Noncurrent loans to loans | 0.1673% | 3,108 |
| Net loans and leases to total assets | 67.2452% | 1,342 |
| Net loans and leases to deposits | 80.1881% | 1,199 |
| Net loans and leases to core deposits | 82.9058% | 1,389 |
| Total domestic deposits to total assets | 83.8593% | 3,601 |
| Equity capital to assets | 9.6772% | 2,966 |
| Core capital (leverage) ratio | 9.8517% | 2,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6632% | 1,348 |
| Memoranda: | ||
| Average total assets | $257,892,200 | 2,675 |
| Average earning assets | $244,075,000 | 2,655 |
| Average equity | $25,399,800 | 2,823 |
| Average total loans | $188,071,400 | 2,318 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 1,754 |
| Cost of funding earning assets | 0.3792% | 1,862 |
| Net interest margin | 3.5237% | 1,800 |
| Noninterest income to average assets | 1.2654% | 731 |
| Noninterest expense to average assets | 3.1291% | 780 |
| Loan and lease loss provision to assets | 0.0782% | 1,504 |
| Net operating income to assets | 1.3806% | 1,601 |
| Return on assets (ROA) | 1.3806% | 1,659 |
| Pretax return on assets | 1.3806% | 2,401 |
| Return on Equity (ROE) | 13.9541% | 1,405 |
| Retained earnings to average equity (ytd only) | 1.0483% | 4,408 |
| Net charge-offs to loans | -0.0021% | 3,228 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2040% | 1,793 |
| Assets per employee ($millions) | 6.8687% | 1,959 |
| Cash dividends to net income (ytd only)* | 92.4877% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 1,281 |
| Loan loss allowance to noncurrent loans | 569.5736% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 888 |
| Noncurrent loans to loans | 0.2848% | 2,774 |
| Net loans and leases to total assets | 70.1386% | 1,065 |
| Net loans and leases to deposits | 84.6159% | 921 |
| Net loans and leases to core deposits | 90.3113% | 1,014 |
| Total domestic deposits to total assets | 82.8906% | 3,735 |
| Equity capital to assets | 9.9083% | 2,995 |
| Core capital (leverage) ratio | 9.9268% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6516% | 1,735 |
| Memoranda: | ||
| Average total assets | $255,830,000 | 2,710 |
| Average earning assets | $241,216,750 | 2,692 |
| Average equity | $25,311,000 | 2,858 |
| Average total loans | $189,651,750 | 2,343 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 1,696 |
| Cost of funding earning assets | 0.4091% | 1,807 |
| Net interest margin | 3.5367% | 1,752 |
| Noninterest income to average assets | 1.2528% | 745 |
| Noninterest expense to average assets | 3.1873% | 733 |
| Loan and lease loss provision to assets | 0.0780% | 1,543 |
| Net operating income to assets | 1.3394% | 1,749 |
| Return on assets (ROA) | 1.3394% | 1,822 |
| Pretax return on assets | 1.3394% | 2,523 |
| Return on Equity (ROE) | 13.5440% | 1,549 |
| Retained earnings to average equity (ytd only) | 0.5285% | 4,430 |
| Net charge-offs to loans | -0.0021% | 3,206 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2190% | 1,734 |
| Assets per employee ($millions) | 6.4793% | 2,180 |
| Cash dividends to net income (ytd only)* | 96.0978% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,263 |
| Loan loss allowance to noncurrent loans | 534.8148% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.8399% | 930 |
| Noncurrent loans to loans | 0.2998% | 2,853 |
| Net loans and leases to total assets | 71.9769% | 972 |
| Net loans and leases to deposits | 85.8693% | 918 |
| Net loans and leases to core deposits | 92.3944% | 983 |
| Total domestic deposits to total assets | 83.8215% | 3,489 |
| Equity capital to assets | 10.1655% | 2,710 |
| Core capital (leverage) ratio | 9.5160% | 2,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5285% | 1,462 |
| Memoranda: | ||
| Average total assets | $256,393,000 | 2,705 |
| Average earning assets | $242,997,000 | 2,673 |
| Average equity | $25,354,333 | 2,853 |
| Average total loans | $192,472,333 | 2,329 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9364% | 1,733 |
| Cost of funding earning assets | 0.4429% | 1,775 |
| Net interest margin | 3.4934% | 1,844 |
| Noninterest income to average assets | 1.1397% | 933 |
| Noninterest expense to average assets | 3.0243% | 956 |
| Loan and lease loss provision to assets | 0.0765% | 1,662 |
| Net operating income to assets | 1.3569% | 1,670 |
| Return on assets (ROA) | 1.3569% | 1,759 |
| Pretax return on assets | 1.3569% | 2,404 |
| Return on Equity (ROE) | 13.9045% | 1,449 |
| Retained earnings to average equity (ytd only) | 12.7288% | 973 |
| Net charge-offs to loans | -0.0020% | 3,138 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8449% | 1,956 |
| Assets per employee ($millions) | 7.0046% | 1,800 |
| Cash dividends to net income (ytd only)* | 8.4555% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,832 |
| Loan loss allowance to noncurrent loans | 503.0142% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8848% | 988 |
| Noncurrent loans to loans | 0.2849% | 3,084 |
| Net loans and leases to total assets | 73.3203% | 873 |
| Net loans and leases to deposits | 89.4516% | 730 |
| Net loans and leases to core deposits | 100.7813% | 683 |
| Total domestic deposits to total assets | 81.9664% | 3,898 |
| Equity capital to assets | 9.7086% | 2,989 |
| Core capital (leverage) ratio | 9.7673% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7938% | 1,644 |
| Memoranda: | ||
| Average total assets | $261,482,000 | 2,660 |
| Average earning assets | $248,351,500 | 2,625 |
| Average equity | $25,517,000 | 2,836 |
| Average total loans | $198,655,500 | 2,292 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 1,906 |
| Cost of funding earning assets | 0.8018% | 1,201 |
| Net interest margin | 3.4854% | 2,515 |
| Noninterest income to average assets | 1.1217% | 846 |
| Noninterest expense to average assets | 3.0793% | 1,274 |
| Loan and lease loss provision to assets | 0.0794% | 3,384 |
| Net operating income to assets | 1.2777% | 1,314 |
| Return on assets (ROA) | 1.2777% | 1,413 |
| Pretax return on assets | 1.2777% | 2,055 |
| Return on Equity (ROE) | 13.1127% | 1,014 |
| Retained earnings to average equity (ytd only) | 4.0287% | 2,805 |
| Net charge-offs to loans | -0.0026% | 4,021 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4104% | 2,034 |
| Assets per employee ($millions) | 6.7576% | 1,736 |
| Cash dividends to net income (ytd only)* | 69.2762% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,978 |
| Loan loss allowance to noncurrent loans | 475.4266% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9257% | 1,056 |
| Noncurrent loans to loans | 0.2940% | 3,142 |
| Net loans and leases to total assets | 76.5328% | 731 |
| Net loans and leases to deposits | 94.4156% | 635 |
| Net loans and leases to core deposits | 107.8770% | 574 |
| Total domestic deposits to total assets | 81.0595% | 3,862 |
| Equity capital to assets | 9.8104% | 3,306 |
| Core capital (leverage) ratio | 9.5633% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0754% | 1,826 |
| Memoranda: | ||
| Average total assets | $251,942,800 | 2,567 |
| Average earning assets | $239,599,200 | 2,529 |
| Average equity | $24,548,800 | 2,839 |
| Average total loans | $190,945,600 | 2,318 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 2,151 |
| Cost of funding earning assets | 0.8628% | 1,197 |
| Net interest margin | 3.4203% | 2,852 |
| Noninterest income to average assets | 1.0795% | 895 |
| Noninterest expense to average assets | 2.9976% | 1,448 |
| Loan and lease loss provision to assets | 0.0798% | 3,318 |
| Net operating income to assets | 1.2528% | 1,472 |
| Return on assets (ROA) | 1.2528% | 1,590 |
| Pretax return on assets | 1.2528% | 2,216 |
| Return on Equity (ROE) | 12.8803% | 1,147 |
| Retained earnings to average equity (ytd only) | 1.1262% | 4,210 |
| Net charge-offs to loans | -0.0028% | 3,937 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2251% | 2,001 |
| Assets per employee ($millions) | 7.0328% | 1,477 |
| Cash dividends to net income (ytd only)* | 91.2564% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 1,590 |
| Loan loss allowance to noncurrent loans | 446.1664% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9458% | 1,195 |
| Noncurrent loans to loans | 0.3218% | 3,133 |
| Net loans and leases to total assets | 72.1563% | 1,638 |
| Net loans and leases to deposits | 87.5791% | 1,535 |
| Net loans and leases to core deposits | 100.9995% | 1,089 |
| Total domestic deposits to total assets | 82.3898% | 3,317 |
| Equity capital to assets | 9.4165% | 3,755 |
| Core capital (leverage) ratio | 8.9877% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5635% | 1,631 |
| Memoranda: | ||
| Average total assets | $250,731,500 | 2,559 |
| Average earning assets | $238,299,000 | 2,520 |
| Average equity | $24,388,000 | 2,845 |
| Average total loans | $188,853,750 | 2,334 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 2,089 |
| Cost of funding earning assets | 0.9185% | 1,286 |
| Net interest margin | 3.5255% | 2,711 |
| Noninterest income to average assets | 1.0462% | 908 |
| Noninterest expense to average assets | 3.0351% | 1,494 |
| Loan and lease loss provision to assets | 0.0808% | 3,273 |
| Net operating income to assets | 1.2853% | 1,399 |
| Return on assets (ROA) | 1.2853% | 1,513 |
| Pretax return on assets | 1.2853% | 2,088 |
| Return on Equity (ROE) | 13.0679% | 1,081 |
| Retained earnings to average equity (ytd only) | 0.3368% | 4,236 |
| Net charge-offs to loans | -0.0032% | 3,895 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9611% | 2,094 |
| Assets per employee ($millions) | 6.9591% | 1,458 |
| Cash dividends to net income (ytd only)* | 97.4230% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 1,741 |
| Loan loss allowance to noncurrent loans | 423.3438% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 1,303 |
| Noncurrent loans to loans | 0.3203% | 3,236 |
| Net loans and leases to total assets | 73.8241% | 1,438 |
| Net loans and leases to deposits | 88.4568% | 1,508 |
| Net loans and leases to core deposits | 103.5770% | 1,030 |
| Total domestic deposits to total assets | 83.4579% | 2,937 |
| Equity capital to assets | 9.2060% | 3,918 |
| Core capital (leverage) ratio | 9.1863% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1693% | 1,736 |
| Memoranda: | ||
| Average total assets | $247,571,000 | 2,555 |
| Average earning assets | $235,600,333 | 2,520 |
| Average equity | $24,349,667 | 2,829 |
| Average total loans | $188,306,667 | 2,322 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 1,509 |
| Cost of funding earning assets | 1.0250% | 1,316 |
| Net interest margin | 3.7430% | 2,169 |
| Noninterest income to average assets | 1.0103% | 838 |
| Noninterest expense to average assets | 3.1380% | 1,548 |
| Loan and lease loss provision to assets | 0.0836% | 2,649 |
| Net operating income to assets | 1.3499% | 1,108 |
| Return on assets (ROA) | 1.3499% | 1,192 |
| Pretax return on assets | 1.3499% | 1,717 |
| Return on Equity (ROE) | 13.2556% | 837 |
| Retained earnings to average equity (ytd only) | 9.9704% | 749 |
| Net charge-offs to loans | -0.0044% | 3,821 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6425% | 2,565 |
| Assets per employee ($millions) | 6.3437% | 1,437 |
| Cash dividends to net income (ytd only)* | 24.7831% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,555 |
| Loan loss allowance to noncurrent loans | 817.7019% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 1,488 |
| Noncurrent loans to loans | 0.1759% | 3,842 |
| Net loans and leases to total assets | 74.8525% | 1,476 |
| Net loans and leases to deposits | 89.0091% | 1,638 |
| Net loans and leases to core deposits | 105.9131% | 1,066 |
| Total domestic deposits to total assets | 84.0954% | 2,762 |
| Equity capital to assets | 10.3351% | 3,484 |
| Core capital (leverage) ratio | 9.9832% | 3,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2433% | 1,828 |
| Memoranda: | ||
| Average total assets | $239,133,500 | 2,563 |
| Average earning assets | $227,515,000 | 2,514 |
| Average equity | $24,352,000 | 2,821 |
| Average total loans | $183,505,500 | 2,324 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 1,756 |
| Cost of funding earning assets | 1.0294% | 1,603 |
| Net interest margin | 3.8675% | 2,280 |
| Noninterest income to average assets | 1.0519% | 854 |
| Noninterest expense to average assets | 3.3001% | 1,299 |
| Loan and lease loss provision to assets | 0.0872% | 2,274 |
| Net operating income to assets | 1.3253% | 1,595 |
| Return on assets (ROA) | 1.3253% | 1,675 |
| Pretax return on assets | 1.3253% | 2,412 |
| Return on Equity (ROE) | 13.3103% | 1,072 |
| Retained earnings to average equity (ytd only) | 4.3127% | 2,803 |
| Net charge-offs to loans | 0.0367% | 2,650 |
| Credit loss provision to net charge-offs | 307.6923% | 900 |
| Earnings coverage of net charge-offs (x) | 49.8462% | 1,137 |
| Efficiency ratio | 70.0278% | 2,168 |
| Assets per employee ($millions) | 6.5890% | 1,237 |
| Cash dividends to net income (ytd only)* | 67.5987% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 1,512 |
| Loan loss allowance to noncurrent loans | 759.1176% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 1,377 |
| Noncurrent loans to loans | 0.1848% | 3,791 |
| Net loans and leases to total assets | 76.4554% | 1,331 |
| Net loans and leases to deposits | 90.9153% | 1,490 |
| Net loans and leases to core deposits | 112.5854% | 736 |
| Total domestic deposits to total assets | 84.0952% | 2,822 |
| Equity capital to assets | 10.0293% | 3,887 |
| Core capital (leverage) ratio | 10.1361% | 3,370 |
| Tier 1 risk-based capital ratio | 13.5162% | 3,515 |
| Total risk-based capital ratio | 14.7689% | 3,408 |
| Memoranda: | ||
| Average total assets | $229,384,800 | 2,581 |
| Average earning assets | $217,115,600 | 2,550 |
| Average equity | $22,839,400 | 2,879 |
| Average total loans | $177,137,000 | 2,350 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 1,841 |
| Cost of funding earning assets | 1.0245% | 1,664 |
| Net interest margin | 3.8686% | 2,369 |
| Noninterest income to average assets | 1.0605% | 815 |
| Noninterest expense to average assets | 3.3316% | 1,205 |
| Loan and lease loss provision to assets | 0.0879% | 2,156 |
| Net operating income to assets | 1.3003% | 1,862 |
| Return on assets (ROA) | 1.3003% | 1,940 |
| Pretax return on assets | 1.3003% | 2,668 |
| Return on Equity (ROE) | 13.0842% | 1,252 |
| Retained earnings to average equity (ytd only) | 1.1385% | 4,532 |
| Net charge-offs to loans | -0.0068% | 4,284 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5875% | 2,039 |
| Assets per employee ($millions) | 5.6180% | 1,916 |
| Cash dividends to net income (ytd only)* | 91.2984% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,270 |
| Loan loss allowance to noncurrent loans | 610.0703% | 844 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 1,306 |
| Noncurrent loans to loans | 0.2445% | 3,664 |
| Net loans and leases to total assets | 76.5533% | 1,385 |
| Net loans and leases to deposits | 90.9172% | 1,576 |
| Net loans and leases to core deposits | 113.1003% | 791 |
| Total domestic deposits to total assets | 84.2011% | 2,753 |
| Equity capital to assets | 10.2115% | 3,807 |
| Core capital (leverage) ratio | 10.1907% | 3,433 |
| Tier 1 risk-based capital ratio | 13.6247% | 3,514 |
| Total risk-based capital ratio | 14.8786% | 3,419 |
| Memoranda: | ||
| Average total assets | $227,429,750 | 2,622 |
| Average earning assets | $215,129,500 | 2,588 |
| Average equity | $22,601,750 | 2,926 |
| Average total loans | $175,437,000 | 2,392 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 1,898 |
| Cost of funding earning assets | 1.0099% | 1,649 |
| Net interest margin | 3.8437% | 2,423 |
| Noninterest income to average assets | 0.9863% | 897 |
| Noninterest expense to average assets | 3.2952% | 1,292 |
| Loan and lease loss provision to assets | 0.0876% | 2,089 |
| Net operating income to assets | 1.2438% | 1,987 |
| Return on assets (ROA) | 1.2438% | 2,041 |
| Pretax return on assets | 1.2438% | 2,774 |
| Return on Equity (ROE) | 12.6297% | 1,361 |
| Retained earnings to average equity (ytd only) | -0.0445% | 4,692 |
| Net charge-offs to loans | -0.0080% | 4,254 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2230% | 2,031 |
| Assets per employee ($millions) | 5.7139% | 1,773 |
| Cash dividends to net income (ytd only)* | 100.3521% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,380 |
| Loan loss allowance to noncurrent loans | 573.7079% | 901 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 1,372 |
| Noncurrent loans to loans | 0.2550% | 3,617 |
| Net loans and leases to total assets | 75.2280% | 1,684 |
| Net loans and leases to deposits | 90.4470% | 1,685 |
| Net loans and leases to core deposits | 113.6735% | 789 |
| Total domestic deposits to total assets | 83.1735% | 3,150 |
| Equity capital to assets | 9.9542% | 4,014 |
| Core capital (leverage) ratio | 10.0992% | 3,499 |
| Tier 1 risk-based capital ratio | 13.0786% | 3,799 |
| Total risk-based capital ratio | 14.3315% | 3,704 |
| Memoranda: | ||
| Average total assets | $228,333,670 | 2,622 |
| Average earning assets | $216,251,330 | 2,593 |
| Average equity | $22,486,670 | 2,925 |
| Average total loans | $175,704,670 | 2,394 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8156% | 1,861 |
| Cost of funding earning assets | 1.0100% | 1,530 |
| Net interest margin | 3.8056% | 2,505 |
| Noninterest income to average assets | 0.9587% | 901 |
| Noninterest expense to average assets | 3.3161% | 1,256 |
| Loan and lease loss provision to assets | 0.0876% | 1,962 |
| Net operating income to assets | 1.1673% | 2,188 |
| Return on assets (ROA) | 1.1673% | 2,240 |
| Pretax return on assets | 1.1673% | 2,917 |
| Return on Equity (ROE) | 11.9171% | 1,565 |
| Retained earnings to average equity (ytd only) | 6.9964% | 2,045 |
| Net charge-offs to loans | -0.0113% | 4,273 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5460% | 1,951 |
| Assets per employee ($millions) | 5.7038% | 1,790 |
| Cash dividends to net income (ytd only)* | 41.2913% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,589 |
| Loan loss allowance to noncurrent loans | 418.9280% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 1.0839% | 1,276 |
| Noncurrent loans to loans | 0.3398% | 3,363 |
| Net loans and leases to total assets | 75.9116% | 1,498 |
| Net loans and leases to deposits | 92.1592% | 1,385 |
| Net loans and leases to core deposits | 114.3769% | 722 |
| Total domestic deposits to total assets | 82.3700% | 3,625 |
| Equity capital to assets | 9.9390% | 3,882 |
| Core capital (leverage) ratio | 10.1433% | 3,442 |
| Tier 1 risk-based capital ratio | 13.1873% | 3,782 |
| Total risk-based capital ratio | 14.4398% | 3,690 |
| Memoranda: | ||
| Average total assets | $228,222,500 | 2,654 |
| Average earning assets | $216,628,000 | 2,611 |
| Average equity | $22,354,500 | 2,935 |
| Average total loans | $176,311,500 | 2,407 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 2,155 |
| Cost of funding earning assets | 0.8309% | 1,384 |
| Net interest margin | 3.7596% | 2,826 |
| Noninterest income to average assets | 1.0112% | 924 |
| Noninterest expense to average assets | 3.2494% | 1,432 |
| Loan and lease loss provision to assets | 0.0438% | 3,305 |
| Net operating income to assets | 1.2642% | 1,932 |
| Return on assets (ROA) | 1.2611% | 1,938 |
| Pretax return on assets | 1.2611% | 2,647 |
| Return on Equity (ROE) | 13.4977% | 1,172 |
| Retained earnings to average equity (ytd only) | 5.1467% | 2,692 |
| Net charge-offs to loans | -0.0100% | 4,489 |
| Credit loss provision to net charge-offs | -588.2353% | 4,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2994% | 2,000 |
| Assets per employee ($millions) | 5.8537% | 1,622 |
| Cash dividends to net income (ytd only)* | 61.8700% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 1,711 |
| Loan loss allowance to noncurrent loans | 397.7236% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 1.0911% | 1,236 |
| Noncurrent loans to loans | 0.3476% | 3,297 |
| Net loans and leases to total assets | 76.4291% | 1,531 |
| Net loans and leases to deposits | 94.4101% | 1,236 |
| Net loans and leases to core deposits | 115.6474% | 698 |
| Total domestic deposits to total assets | 80.9544% | 3,901 |
| Equity capital to assets | 9.6512% | 4,009 |
| Core capital (leverage) ratio | 10.0216% | 3,552 |
| Tier 1 risk-based capital ratio | 12.8818% | 3,916 |
| Total risk-based capital ratio | 14.1338% | 3,807 |
| Memoranda: | ||
| Average total assets | $228,136,800 | 2,628 |
| Average earning assets | $215,183,000 | 2,599 |
| Average equity | $21,314,800 | 2,956 |
| Average total loans | $169,211,800 | 2,446 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 2,243 |
| Cost of funding earning assets | 0.7875% | 1,392 |
| Net interest margin | 3.7301% | 2,900 |
| Noninterest income to average assets | 0.9715% | 1,008 |
| Noninterest expense to average assets | 3.2804% | 1,341 |
| Loan and lease loss provision to assets | 0.0585% | 2,805 |
| Net operating income to assets | 1.1463% | 2,452 |
| Return on assets (ROA) | 1.1463% | 2,465 |
| Pretax return on assets | 1.1463% | 3,209 |
| Return on Equity (ROE) | 12.3708% | 1,653 |
| Retained earnings to average equity (ytd only) | 1.7727% | 4,648 |
| Net charge-offs to loans | -0.0183% | 4,602 |
| Credit loss provision to net charge-offs | -434.7826% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1396% | 1,714 |
| Assets per employee ($millions) | 5.7947% | 1,649 |
| Cash dividends to net income (ytd only)* | 85.6705% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 1,451 |
| Loan loss allowance to noncurrent loans | 450.7353% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 1.1155% | 1,282 |
| Noncurrent loans to loans | 0.3262% | 3,501 |
| Net loans and leases to total assets | 72.7086% | 2,212 |
| Net loans and leases to deposits | 86.1977% | 2,344 |
| Net loans and leases to core deposits | 103.6275% | 1,479 |
| Total domestic deposits to total assets | 84.3509% | 2,834 |
| Equity capital to assets | 9.3025% | 4,272 |
| Core capital (leverage) ratio | 9.5996% | 4,061 |
| Tier 1 risk-based capital ratio | 13.1934% | 3,784 |
| Total risk-based capital ratio | 14.4463% | 3,701 |
| Memoranda: | ||
| Average total assets | $228,097,500 | 2,640 |
| Average earning assets | $214,859,250 | 2,611 |
| Average equity | $21,135,250 | 2,991 |
| Average total loans | $167,282,500 | 2,477 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 2,282 |
| Cost of funding earning assets | 0.7590% | 1,327 |
| Net interest margin | 3.6836% | 2,996 |
| Noninterest income to average assets | 0.9747% | 1,005 |
| Noninterest expense to average assets | 3.2824% | 1,365 |
| Loan and lease loss provision to assets | 0.0874% | 2,172 |
| Net operating income to assets | 1.0796% | 2,664 |
| Return on assets (ROA) | 1.0796% | 2,671 |
| Pretax return on assets | 1.0796% | 3,388 |
| Return on Equity (ROE) | 11.6660% | 1,851 |
| Retained earnings to average equity (ytd only) | 0.9918% | 4,761 |
| Net charge-offs to loans | -0.0251% | 4,666 |
| Credit loss provision to net charge-offs | -476.1905% | 4,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7721% | 1,737 |
| Assets per employee ($millions) | 5.8601% | 1,587 |
| Cash dividends to net income (ytd only)* | 91.4980% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,522 |
| Loan loss allowance to noncurrent loans | 435.9431% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 1,329 |
| Noncurrent loans to loans | 0.3350% | 3,495 |
| Net loans and leases to total assets | 72.3434% | 2,222 |
| Net loans and leases to deposits | 87.1501% | 2,199 |
| Net loans and leases to core deposits | 105.6514% | 1,265 |
| Total domestic deposits to total assets | 83.0101% | 3,411 |
| Equity capital to assets | 9.1528% | 4,429 |
| Core capital (leverage) ratio | 9.6073% | 3,990 |
| Tier 1 risk-based capital ratio | 13.2557% | 3,757 |
| Total risk-based capital ratio | 14.5088% | 3,683 |
| Memoranda: | ||
| Average total assets | $228,798,670 | 2,649 |
| Average earning assets | $215,820,330 | 2,620 |
| Average equity | $21,172,670 | 3,003 |
| Average total loans | $167,453,670 | 2,484 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,208 |
| Cost of funding earning assets | 0.7432% | 1,219 |
| Net interest margin | 3.6531% | 2,977 |
| Noninterest income to average assets | 0.9523% | 1,014 |
| Noninterest expense to average assets | 3.3408% | 1,267 |
| Loan and lease loss provision to assets | 0.0874% | 2,054 |
| Net operating income to assets | 0.9767% | 2,952 |
| Return on assets (ROA) | 0.9750% | 2,993 |
| Pretax return on assets | 0.9750% | 3,621 |
| Return on Equity (ROE) | 10.4789% | 2,185 |
| Retained earnings to average equity (ytd only) | 7.0986% | 2,235 |
| Net charge-offs to loans | -0.0430% | 4,903 |
| Credit loss provision to net charge-offs | -277.7778% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8429% | 1,614 |
| Assets per employee ($millions) | 5.9735% | 1,538 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 1,540 |
| Loan loss allowance to noncurrent loans | 417.5958% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 1.0963% | 1,415 |
| Noncurrent loans to loans | 0.3540% | 3,502 |
| Net loans and leases to total assets | 68.5744% | 2,688 |
| Net loans and leases to deposits | 79.9163% | 2,817 |
| Net loans and leases to core deposits | 96.3633% | 1,952 |
| Total domestic deposits to total assets | 85.8078% | 2,628 |
| Equity capital to assets | 9.1378% | 4,427 |
| Core capital (leverage) ratio | 9.5581% | 4,005 |
| Tier 1 risk-based capital ratio | 14.0460% | 3,359 |
| Total risk-based capital ratio | 15.2997% | 3,269 |
| Memoranda: | ||
| Average total assets | $228,927,000 | 2,670 |
| Average earning assets | $216,364,000 | 2,636 |
| Average equity | $21,300,000 | 3,016 |
| Average total loans | $167,288,000 | 2,504 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,151 |
| Cost of funding earning assets | 0.7289% | 894 |
| Net interest margin | 3.6305% | 3,060 |
| Noninterest income to average assets | 1.0088% | 1,002 |
| Noninterest expense to average assets | 3.1763% | 1,662 |
| Loan and lease loss provision to assets | 0.0665% | 2,882 |
| Net operating income to assets | 1.1901% | 1,550 |
| Return on assets (ROA) | 1.1901% | 1,575 |
| Pretax return on assets | 1.1901% | 2,811 |
| Return on Equity (ROE) | 12.9323% | 969 |
| Retained earnings to average equity (ytd only) | 5.5390% | 1,799 |
| Net charge-offs to loans | 0.0436% | 2,921 |
| Credit loss provision to net charge-offs | 208.3333% | 1,313 |
| Earnings coverage of net charge-offs (x) | 39.3750% | 1,275 |
| Efficiency ratio | 71.6528% | 2,284 |
| Assets per employee ($millions) | 5.7664% | 1,692 |
| Cash dividends to net income (ytd only)* | 57.1695% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 1,964 |
| Loan loss allowance to noncurrent loans | 393.4122% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 2,809 |
| Noncurrent loans to loans | 0.3433% | 3,528 |
| Net loans and leases to total assets | 75.6354% | 1,662 |
| Net loans and leases to deposits | 87.6598% | 2,054 |
| Net loans and leases to core deposits | 105.5796% | 1,288 |
| Total domestic deposits to total assets | 86.2829% | 2,322 |
| Equity capital to assets | 9.4767% | 4,246 |
| Core capital (leverage) ratio | 9.5023% | 4,052 |
| Tier 1 risk-based capital ratio | 12.9766% | 3,916 |
| Total risk-based capital ratio | 14.2285% | 3,817 |
| Memoranda: | ||
| Average total assets | $225,609,400 | 2,678 |
| Average earning assets | $212,779,800 | 2,634 |
| Average equity | $20,762,000 | 3,057 |
| Average total loans | $165,212,600 | 2,475 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,251 |
| Cost of funding earning assets | 0.7127% | 909 |
| Net interest margin | 3.5906% | 3,188 |
| Noninterest income to average assets | 0.9879% | 1,054 |
| Noninterest expense to average assets | 3.1728% | 1,629 |
| Loan and lease loss provision to assets | 0.0886% | 2,307 |
| Net operating income to assets | 1.1149% | 2,019 |
| Return on assets (ROA) | 1.1149% | 2,083 |
| Pretax return on assets | 1.1149% | 3,251 |
| Return on Equity (ROE) | 12.2052% | 1,273 |
| Retained earnings to average equity (ytd only) | 2.7992% | 4,241 |
| Net charge-offs to loans | 0.0171% | 3,165 |
| Credit loss provision to net charge-offs | 714.2857% | 475 |
| Earnings coverage of net charge-offs (x) | 97.0454% | 702 |
| Efficiency ratio | 72.5003% | 2,142 |
| Assets per employee ($millions) | 5.6512% | 1,779 |
| Cash dividends to net income (ytd only)* | 77.0656% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4337% | 1,766 |
| Loan loss allowance to noncurrent loans | 277.3893% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5870% | 2,753 |
| Noncurrent loans to loans | 0.5169% | 3,151 |
| Net loans and leases to total assets | 72.3839% | 2,203 |
| Net loans and leases to deposits | 85.2983% | 2,394 |
| Net loans and leases to core deposits | 103.3973% | 1,442 |
| Total domestic deposits to total assets | 84.8597% | 2,773 |
| Equity capital to assets | 9.2101% | 4,718 |
| Core capital (leverage) ratio | 9.2921% | 4,417 |
| Tier 1 risk-based capital ratio | 12.9572% | 4,040 |
| Total risk-based capital ratio | 14.2099% | 3,946 |
| Memoranda: | ||
| Average total assets | $225,789,750 | 2,697 |
| Average earning assets | $213,067,750 | 2,656 |
| Average equity | $20,624,500 | 3,093 |
| Average total loans | $163,409,750 | 2,509 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 2,265 |
| Cost of funding earning assets | 0.6953% | 915 |
| Net interest margin | 3.5598% | 3,185 |
| Noninterest income to average assets | 0.9605% | 1,112 |
| Noninterest expense to average assets | 3.2033% | 1,572 |
| Loan and lease loss provision to assets | 0.0886% | 2,209 |
| Net operating income to assets | 1.0350% | 2,275 |
| Return on assets (ROA) | 1.0350% | 2,316 |
| Pretax return on assets | 1.0350% | 3,427 |
| Return on Equity (ROE) | 11.3621% | 1,509 |
| Retained earnings to average equity (ytd only) | 1.8288% | 4,518 |
| Net charge-offs to loans | 0.0246% | 2,726 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 63.4000% | 913 |
| Efficiency ratio | 74.0324% | 2,012 |
| Assets per employee ($millions) | 5.6209% | 1,770 |
| Cash dividends to net income (ytd only)* | 83.9041% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,826 |
| Loan loss allowance to noncurrent loans | 410.3873% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 3,210 |
| Noncurrent loans to loans | 0.3481% | 3,787 |
| Net loans and leases to total assets | 73.3680% | 1,979 |
| Net loans and leases to deposits | 86.5131% | 2,164 |
| Net loans and leases to core deposits | 104.9872% | 1,293 |
| Total domestic deposits to total assets | 84.8057% | 2,889 |
| Equity capital to assets | 9.4068% | 4,505 |
| Core capital (leverage) ratio | 9.1751% | 4,520 |
| Tier 1 risk-based capital ratio | 12.9313% | 4,044 |
| Total risk-based capital ratio | 14.1838% | 3,962 |
| Memoranda: | ||
| Average total assets | $225,704,330 | 2,716 |
| Average earning assets | $213,436,330 | 2,670 |
| Average equity | $20,559,670 | 3,098 |
| Average total loans | $162,546,000 | 2,526 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 2,252 |
| Cost of funding earning assets | 0.6782% | 939 |
| Net interest margin | 3.5296% | 3,164 |
| Noninterest income to average assets | 0.9592% | 1,084 |
| Noninterest expense to average assets | 3.1920% | 1,633 |
| Loan and lease loss provision to assets | 0.0874% | 2,080 |
| Net operating income to assets | 1.0168% | 2,238 |
| Return on assets (ROA) | 1.0168% | 2,291 |
| Pretax return on assets | 1.0168% | 3,294 |
| Return on Equity (ROE) | 11.3401% | 1,453 |
| Retained earnings to average equity (ytd only) | 10.8529% | 632 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2985% | 2,184 |
| Assets per employee ($millions) | 5.8640% | 1,605 |
| Cash dividends to net income (ytd only)* | 4.2955% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 1,862 |
| Loan loss allowance to noncurrent loans | 416.8478% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 3,449 |
| Noncurrent loans to loans | 0.3484% | 3,849 |
| Net loans and leases to total assets | 66.5598% | 2,888 |
| Net loans and leases to deposits | 78.0083% | 2,962 |
| Net loans and leases to core deposits | 94.4911% | 1,938 |
| Total domestic deposits to total assets | 85.3239% | 2,952 |
| Equity capital to assets | 8.8839% | 4,921 |
| Core capital (leverage) ratio | 9.1551% | 4,538 |
| Tier 1 risk-based capital ratio | 13.6903% | 3,666 |
| Total risk-based capital ratio | 14.9433% | 3,568 |
| Memoranda: | ||
| Average total assets | $228,949,500 | 2,715 |
| Average earning assets | $216,455,500 | 2,675 |
| Average equity | $20,529,000 | 3,122 |
| Average total loans | $162,237,000 | 2,547 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 1,672 |
| Cost of funding earning assets | 0.6965% | 822 |
| Net interest margin | 3.7580% | 2,476 |
| Noninterest income to average assets | 1.0508% | 1,023 |
| Noninterest expense to average assets | 3.2815% | 1,616 |
| Loan and lease loss provision to assets | 0.0925% | 2,510 |
| Net operating income to assets | 1.1970% | 1,527 |
| Return on assets (ROA) | 1.1970% | 1,609 |
| Pretax return on assets | 1.1970% | 2,687 |
| Return on Equity (ROE) | 13.2675% | 930 |
| Retained earnings to average equity (ytd only) | 6.0722% | 1,670 |
| Net charge-offs to loans | 0.2424% | 1,149 |
| Credit loss provision to net charge-offs | 50.7614% | 3,368 |
| Earnings coverage of net charge-offs (x) | 7.0736% | 3,079 |
| Efficiency ratio | 71.7886% | 2,621 |
| Assets per employee ($millions) | 5.5835% | 1,799 |
| Cash dividends to net income (ytd only)* | 54.2327% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 2,276 |
| Loan loss allowance to noncurrent loans | 394.9123% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 3,189 |
| Noncurrent loans to loans | 0.3433% | 3,906 |
| Net loans and leases to total assets | 73.3411% | 1,952 |
| Net loans and leases to deposits | 86.1661% | 2,147 |
| Net loans and leases to core deposits | 105.5283% | 1,163 |
| Total domestic deposits to total assets | 85.1160% | 2,997 |
| Equity capital to assets | 9.0535% | 4,761 |
| Core capital (leverage) ratio | 9.2934% | 4,356 |
| Tier 1 risk-based capital ratio | 12.8251% | 4,186 |
| Total risk-based capital ratio | 14.0769% | 4,082 |
| Memoranda: | ||
| Average total assets | $216,123,800 | 2,795 |
| Average earning assets | $202,450,400 | 2,765 |
| Average equity | $19,498,800 | 3,218 |
| Average total loans | $162,574,400 | 2,491 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 1,644 |
| Cost of funding earning assets | 0.6997% | 816 |
| Net interest margin | 3.7672% | 2,462 |
| Noninterest income to average assets | 1.0775% | 975 |
| Noninterest expense to average assets | 3.3289% | 1,496 |
| Loan and lease loss provision to assets | 0.0933% | 2,357 |
| Net operating income to assets | 1.1789% | 1,707 |
| Return on assets (ROA) | 1.1789% | 1,810 |
| Pretax return on assets | 1.1789% | 2,923 |
| Return on Equity (ROE) | 13.0787% | 1,029 |
| Retained earnings to average equity (ytd only) | 3.9132% | 3,513 |
| Net charge-offs to loans | 0.2366% | 993 |
| Credit loss provision to net charge-offs | 52.2648% | 3,002 |
| Earnings coverage of net charge-offs (x) | 7.1254% | 2,914 |
| Efficiency ratio | 72.3499% | 2,525 |
| Assets per employee ($millions) | 5.4498% | 1,901 |
| Cash dividends to net income (ytd only)* | 70.0792% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 2,100 |
| Loan loss allowance to noncurrent loans | 213.3087% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7970% | 2,549 |
| Noncurrent loans to loans | 0.6662% | 3,036 |
| Net loans and leases to total assets | 75.3278% | 1,650 |
| Net loans and leases to deposits | 87.2849% | 2,106 |
| Net loans and leases to core deposits | 105.3579% | 1,246 |
| Total domestic deposits to total assets | 86.3011% | 2,218 |
| Equity capital to assets | 9.4555% | 4,708 |
| Core capital (leverage) ratio | 9.2102% | 4,572 |
| Tier 1 risk-based capital ratio | 12.7762% | 4,289 |
| Total risk-based capital ratio | 14.0291% | 4,201 |
| Memoranda: | ||
| Average total assets | $214,319,750 | 2,818 |
| Average earning assets | $200,462,750 | 2,798 |
| Average equity | $19,318,500 | 3,255 |
| Average total loans | $161,705,250 | 2,504 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4845% | 1,565 |
| Cost of funding earning assets | 0.7048% | 781 |
| Net interest margin | 3.7797% | 2,402 |
| Noninterest income to average assets | 1.0665% | 985 |
| Noninterest expense to average assets | 3.3530% | 1,477 |
| Loan and lease loss provision to assets | 0.0931% | 2,293 |
| Net operating income to assets | 1.1540% | 1,760 |
| Return on assets (ROA) | 1.1540% | 1,877 |
| Pretax return on assets | 1.1540% | 2,972 |
| Return on Equity (ROE) | 13.0122% | 1,027 |
| Retained earnings to average equity (ytd only) | 3.9351% | 3,396 |
| Net charge-offs to loans | 0.1400% | 1,485 |
| Credit loss provision to net charge-offs | 88.4956% | 2,265 |
| Earnings coverage of net charge-offs (x) | 11.8584% | 2,228 |
| Efficiency ratio | 72.8910% | 2,535 |
| Assets per employee ($millions) | 5.4854% | 1,809 |
| Cash dividends to net income (ytd only)* | 69.7581% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4970% | 1,871 |
| Loan loss allowance to noncurrent loans | 251.7598% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7376% | 2,768 |
| Noncurrent loans to loans | 0.5946% | 3,285 |
| Net loans and leases to total assets | 74.8026% | 1,687 |
| Net loans and leases to deposits | 86.6776% | 2,173 |
| Net loans and leases to core deposits | 104.6695% | 1,272 |
| Total domestic deposits to total assets | 86.2998% | 2,269 |
| Equity capital to assets | 9.3203% | 4,954 |
| Core capital (leverage) ratio | 9.0369% | 4,785 |
| Tier 1 risk-based capital ratio | 12.5953% | 4,450 |
| Total risk-based capital ratio | 13.8491% | 4,360 |
| Memoranda: | ||
| Average total assets | $214,912,000 | 2,831 |
| Average earning assets | $200,916,000 | 2,805 |
| Average equity | $19,059,000 | 3,291 |
| Average total loans | $161,469,670 | 2,515 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,545 |
| Cost of funding earning assets | 0.7012% | 804 |
| Net interest margin | 3.7863% | 2,342 |
| Noninterest income to average assets | 1.0418% | 1,001 |
| Noninterest expense to average assets | 3.3871% | 1,408 |
| Loan and lease loss provision to assets | 0.0928% | 2,137 |
| Net operating income to assets | 1.1012% | 1,895 |
| Return on assets (ROA) | 1.1012% | 1,997 |
| Pretax return on assets | 1.1012% | 3,089 |
| Return on Equity (ROE) | 12.7397% | 1,092 |
| Retained earnings to average equity (ytd only) | 12.7397% | 416 |
| Net charge-offs to loans | 0.0025% | 3,039 |
| Credit loss provision to net charge-offs | 5,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 643.0000% | 75 |
| Efficiency ratio | 73.9360% | 2,486 |
| Assets per employee ($millions) | 5.5588% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 1,715 |
| Loan loss allowance to noncurrent loans | 300.4819% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6652% | 3,065 |
| Noncurrent loans to loans | 0.5225% | 3,619 |
| Net loans and leases to total assets | 72.1232% | 2,017 |
| Net loans and leases to deposits | 83.6716% | 2,343 |
| Net loans and leases to core deposits | 101.1404% | 1,399 |
| Total domestic deposits to total assets | 86.1979% | 2,589 |
| Equity capital to assets | 9.2259% | 4,964 |
| Core capital (leverage) ratio | 9.1598% | 4,643 |
| Tier 1 risk-based capital ratio | 12.7577% | 4,428 |
| Total risk-based capital ratio | 14.0124% | 4,330 |
| Memoranda: | ||
| Average total assets | $215,402,500 | 2,828 |
| Average earning assets | $201,358,500 | 2,806 |
| Average equity | $18,619,000 | 3,356 |
| Average total loans | $160,975,500 | 2,513 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 1,445 |
| Cost of funding earning assets | 0.6927% | 851 |
| Net interest margin | 3.8614% | 2,157 |
| Noninterest income to average assets | 1.0333% | 1,105 |
| Noninterest expense to average assets | 3.3393% | 1,631 |
| Loan and lease loss provision to assets | 0.0952% | 2,414 |
| Net operating income to assets | 1.1994% | 1,553 |
| Return on assets (ROA) | 1.1994% | 1,625 |
| Pretax return on assets | 1.1994% | 2,661 |
| Return on Equity (ROE) | 14.9807% | 687 |
| Retained earnings to average equity (ytd only) | 4.1613% | 3,036 |
| Net charge-offs to loans | -0.0219% | 5,295 |
| Credit loss provision to net charge-offs | -571.4286% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0624% | 2,901 |
| Assets per employee ($millions) | 5.4875% | 1,819 |
| Cash dividends to net income (ytd only)* | 72.2222% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 2,016 |
| Loan loss allowance to noncurrent loans | 393.0868% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 3,365 |
| Noncurrent loans to loans | 0.3814% | 4,084 |
| Net loans and leases to total assets | 75.0678% | 1,561 |
| Net loans and leases to deposits | 86.7795% | 2,032 |
| Net loans and leases to core deposits | 104.9217% | 1,173 |
| Total domestic deposits to total assets | 86.5040% | 2,375 |
| Equity capital to assets | 8.0542% | 5,833 |
| Core capital (leverage) ratio | 8.1798% | 5,712 |
| Tier 1 risk-based capital ratio | 10.8311% | 5,611 |
| Total risk-based capital ratio | 12.0847% | 5,514 |
| Memoranda: | ||
| Average total assets | $210,101,600 | 2,849 |
| Average earning assets | $195,912,800 | 2,819 |
| Average equity | $16,821,600 | 3,556 |
| Average total loans | $159,683,200 | 2,477 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,478 |
| Cost of funding earning assets | 0.6733% | 967 |
| Net interest margin | 3.8698% | 2,129 |
| Noninterest income to average assets | 0.9946% | 1,198 |
| Noninterest expense to average assets | 3.4059% | 1,471 |
| Loan and lease loss provision to assets | 0.0956% | 2,260 |
| Net operating income to assets | 1.1024% | 1,990 |
| Return on assets (ROA) | 1.1024% | 2,073 |
| Pretax return on assets | 1.1024% | 3,223 |
| Return on Equity (ROE) | 13.7894% | 946 |
| Retained earnings to average equity (ytd only) | -0.1276% | 5,624 |
| Net charge-offs to loans | -0.0294% | 5,349 |
| Credit loss provision to net charge-offs | -428.5714% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9787% | 2,559 |
| Assets per employee ($millions) | 5.2429% | 2,014 |
| Cash dividends to net income (ytd only)* | 100.9253% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 2,115 |
| Loan loss allowance to noncurrent loans | 374.2188% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 3,434 |
| Noncurrent loans to loans | 0.4037% | 4,163 |
| Net loans and leases to total assets | 76.3559% | 1,338 |
| Net loans and leases to deposits | 87.2014% | 2,003 |
| Net loans and leases to core deposits | 104.4118% | 1,202 |
| Total domestic deposits to total assets | 87.5627% | 1,769 |
| Equity capital to assets | 8.1556% | 5,894 |
| Core capital (leverage) ratio | 8.0166% | 5,891 |
| Tier 1 risk-based capital ratio | 10.9443% | 5,682 |
| Total risk-based capital ratio | 12.1982% | 5,595 |
| Memoranda: | ||
| Average total assets | $209,124,000 | 2,883 |
| Average earning assets | $195,044,500 | 2,853 |
| Average equity | $16,717,750 | 3,598 |
| Average total loans | $158,829,250 | 2,491 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 1,373 |
| Cost of funding earning assets | 0.6713% | 982 |
| Net interest margin | 3.8906% | 2,017 |
| Noninterest income to average assets | 0.9617% | 1,274 |
| Noninterest expense to average assets | 3.3910% | 1,484 |
| Loan and lease loss provision to assets | 0.0949% | 2,229 |
| Net operating income to assets | 1.1069% | 1,925 |
| Return on assets (ROA) | 1.1069% | 2,012 |
| Pretax return on assets | 1.1069% | 3,142 |
| Return on Equity (ROE) | 13.9376% | 920 |
| Retained earnings to average equity (ytd only) | -1.4225% | 5,760 |
| Net charge-offs to loans | -0.0390% | 5,441 |
| Credit loss provision to net charge-offs | -322.5806% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8322% | 2,697 |
| Assets per employee ($millions) | 5.3511% | 1,880 |
| Cash dividends to net income (ytd only)* | 110.2058% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 2,377 |
| Loan loss allowance to noncurrent loans | 355.7751% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6086% | 3,592 |
| Noncurrent loans to loans | 0.4162% | 4,227 |
| Net loans and leases to total assets | 74.6290% | 1,562 |
| Net loans and leases to deposits | 84.7928% | 2,211 |
| Net loans and leases to core deposits | 100.9895% | 1,405 |
| Total domestic deposits to total assets | 88.0134% | 1,650 |
| Equity capital to assets | 7.9083% | 6,018 |
| Core capital (leverage) ratio | 7.8400% | 5,999 |
| Tier 1 risk-based capital ratio | 10.2672% | 6,008 |
| Total risk-based capital ratio | 11.5200% | 5,951 |
| Memoranda: | ||
| Average total assets | $210,674,000 | 2,878 |
| Average earning assets | $196,629,670 | 2,853 |
| Average equity | $16,731,670 | 3,606 |
| Average total loans | $158,931,330 | 2,492 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 1,458 |
| Cost of funding earning assets | 0.6698% | 998 |
| Net interest margin | 3.8305% | 2,131 |
| Noninterest income to average assets | 0.9317% | 1,293 |
| Noninterest expense to average assets | 3.3751% | 1,541 |
| Loan and lease loss provision to assets | 0.0945% | 2,104 |
| Net operating income to assets | 1.0394% | 2,083 |
| Return on assets (ROA) | 1.0394% | 2,230 |
| Pretax return on assets | 1.0394% | 3,348 |
| Return on Equity (ROE) | 13.0599% | 1,075 |
| Retained earnings to average equity (ytd only) | 3.5618% | 3,866 |
| Net charge-offs to loans | -0.0276% | 5,201 |
| Credit loss provision to net charge-offs | -454.5455% | 4,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8533% | 2,679 |
| Assets per employee ($millions) | 5.4866% | 1,802 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 2,763 |
| Loan loss allowance to noncurrent loans | 335.9467% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 3,664 |
| Noncurrent loans to loans | 0.4275% | 4,313 |
| Net loans and leases to total assets | 72.8405% | 1,681 |
| Net loans and leases to deposits | 83.9457% | 2,083 |
| Net loans and leases to core deposits | 100.8835% | 1,261 |
| Total domestic deposits to total assets | 86.7710% | 2,516 |
| Equity capital to assets | 7.9195% | 6,062 |
| Core capital (leverage) ratio | 7.8532% | 6,012 |
| Tier 1 risk-based capital ratio | 10.6195% | 5,974 |
| Total risk-based capital ratio | 11.8719% | 5,898 |
| Memoranda: | ||
| Average total assets | $211,665,500 | 2,890 |
| Average earning assets | $197,676,500 | 2,863 |
| Average equity | $16,845,500 | 3,610 |
| Average total loans | $159,354,500 | 2,498 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 1,257 |
| Cost of funding earning assets | 0.6686% | 1,275 |
| Net interest margin | 4.0496% | 1,736 |
| Noninterest income to average assets | 0.9624% | 1,312 |
| Noninterest expense to average assets | 3.3167% | 1,885 |
| Loan and lease loss provision to assets | 0.1010% | 2,469 |
| Net operating income to assets | 1.3115% | 1,283 |
| Return on assets (ROA) | 1.3115% | 1,328 |
| Pretax return on assets | 1.3115% | 2,204 |
| Return on Equity (ROE) | 16.1561% | 605 |
| Retained earnings to average equity (ytd only) | 3.7092% | 3,574 |
| Net charge-offs to loans | 0.0283% | 4,255 |
| Credit loss provision to net charge-offs | 476.1905% | 550 |
| Earnings coverage of net charge-offs (x) | 66.5714% | 734 |
| Efficiency ratio | 70.1314% | 3,510 |
| Assets per employee ($millions) | 5.3681% | 1,891 |
| Cash dividends to net income (ytd only)* | 77.0416% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 3,065 |
| Loan loss allowance to noncurrent loans | 250.5669% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 3,417 |
| Noncurrent loans to loans | 0.5493% | 4,015 |
| Net loans and leases to total assets | 75.6451% | 1,323 |
| Net loans and leases to deposits | 86.2006% | 1,954 |
| Net loans and leases to core deposits | 103.6305% | 1,146 |
| Total domestic deposits to total assets | 87.7547% | 1,894 |
| Equity capital to assets | 7.9984% | 6,072 |
| Core capital (leverage) ratio | 8.0523% | 5,962 |
| Tier 1 risk-based capital ratio | 11.0117% | 5,902 |
| Total risk-based capital ratio | 12.2647% | 5,840 |
| Memoranda: | ||
| Average total assets | $197,937,000 | 3,022 |
| Average earning assets | $184,116,200 | 2,986 |
| Average equity | $16,068,200 | 3,657 |
| Average total loans | $148,593,400 | 2,593 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7370% | 1,216 |
| Cost of funding earning assets | 0.6608% | 1,385 |
| Net interest margin | 4.0763% | 1,651 |
| Noninterest income to average assets | 0.9603% | 1,334 |
| Noninterest expense to average assets | 3.4077% | 1,642 |
| Loan and lease loss provision to assets | 0.1025% | 2,323 |
| Net operating income to assets | 1.2446% | 1,543 |
| Return on assets (ROA) | 1.2446% | 1,596 |
| Pretax return on assets | 1.2446% | 2,594 |
| Return on Equity (ROE) | 15.2710% | 778 |
| Retained earnings to average equity (ytd only) | -1.2915% | 6,005 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6688% | 3,240 |
| Assets per employee ($millions) | 4.9722% | 2,274 |
| Cash dividends to net income (ytd only)* | 108.4570% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 2,679 |
| Loan loss allowance to noncurrent loans | 249.3771% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 3,488 |
| Noncurrent loans to loans | 0.6040% | 4,119 |
| Net loans and leases to total assets | 74.2477% | 1,483 |
| Net loans and leases to deposits | 85.2502% | 1,999 |
| Net loans and leases to core deposits | 98.6353% | 1,479 |
| Total domestic deposits to total assets | 87.0940% | 2,262 |
| Equity capital to assets | 8.1865% | 6,025 |
| Core capital (leverage) ratio | 8.0721% | 6,018 |
| Tier 1 risk-based capital ratio | 11.3652% | 5,850 |
| Total risk-based capital ratio | 12.6197% | 5,785 |
| Memoranda: | ||
| Average total assets | $195,082,750 | 3,068 |
| Average earning assets | $181,600,000 | 3,038 |
| Average equity | $15,899,000 | 3,708 |
| Average total loans | $145,597,750 | 2,641 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 1,118 |
| Cost of funding earning assets | 0.6585% | 1,446 |
| Net interest margin | 4.1167% | 1,454 |
| Noninterest income to average assets | 0.9618% | 1,304 |
| Noninterest expense to average assets | 3.4235% | 1,629 |
| Loan and lease loss provision to assets | 0.1023% | 2,310 |
| Net operating income to assets | 1.2677% | 1,402 |
| Return on assets (ROA) | 1.2677% | 1,456 |
| Pretax return on assets | 1.2677% | 2,380 |
| Return on Equity (ROE) | 15.5780% | 701 |
| Retained earnings to average equity (ytd only) | -3.9102% | 6,168 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4194% | 3,442 |
| Assets per employee ($millions) | 5.3711% | 1,809 |
| Cash dividends to net income (ytd only)* | 125.1009% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 2,901 |
| Loan loss allowance to noncurrent loans | 294.9315% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 3,820 |
| Noncurrent loans to loans | 0.5083% | 4,474 |
| Net loans and leases to total assets | 73.1590% | 1,552 |
| Net loans and leases to deposits | 83.8824% | 2,048 |
| Net loans and leases to core deposits | 96.7347% | 1,544 |
| Total domestic deposits to total assets | 87.2161% | 2,341 |
| Equity capital to assets | 8.1625% | 6,054 |
| Core capital (leverage) ratio | 7.9553% | 6,129 |
| Tier 1 risk-based capital ratio | 11.3655% | 5,869 |
| Total risk-based capital ratio | 12.6197% | 5,818 |
| Memoranda: | ||
| Average total assets | $195,471,330 | 3,081 |
| Average earning assets | $181,939,670 | 3,055 |
| Average equity | $15,907,000 | 3,706 |
| Average total loans | $145,403,330 | 2,647 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7468% | 1,149 |
| Cost of funding earning assets | 0.6619% | 1,498 |
| Net interest margin | 4.0849% | 1,507 |
| Noninterest income to average assets | 0.9709% | 1,200 |
| Noninterest expense to average assets | 3.4316% | 1,627 |
| Loan and lease loss provision to assets | 0.1018% | 2,224 |
| Net operating income to assets | 1.2436% | 1,362 |
| Return on assets (ROA) | 1.2436% | 1,420 |
| Pretax return on assets | 1.2436% | 2,303 |
| Return on Equity (ROE) | 15.3047% | 732 |
| Retained earnings to average equity (ytd only) | -2.6050% | 5,921 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8364% | 3,519 |
| Assets per employee ($millions) | 5.2118% | 1,999 |
| Cash dividends to net income (ytd only)* | 117.0213% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 3,411 |
| Loan loss allowance to noncurrent loans | 281.0160% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 3,821 |
| Noncurrent loans to loans | 0.5127% | 4,632 |
| Net loans and leases to total assets | 72.6093% | 1,475 |
| Net loans and leases to deposits | 86.9178% | 1,475 |
| Net loans and leases to core deposits | 98.6005% | 1,198 |
| Total domestic deposits to total assets | 83.5379% | 4,437 |
| Equity capital to assets | 8.0233% | 6,040 |
| Core capital (leverage) ratio | 7.9186% | 6,167 |
| Tier 1 risk-based capital ratio | 11.4353% | 5,945 |
| Total risk-based capital ratio | 12.6884% | 5,897 |
| Memoranda: | ||
| Average total assets | $196,526,500 | 3,096 |
| Average earning assets | $183,112,500 | 3,061 |
| Average equity | $15,969,000 | 3,705 |
| Average total loans | $146,298,000 | 2,640 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 1,157 |
| Cost of funding earning assets | 0.7782% | 1,331 |
| Net interest margin | 4.0904% | 1,671 |
| Noninterest income to average assets | 1.1535% | 1,061 |
| Noninterest expense to average assets | 3.5081% | 1,630 |
| Loan and lease loss provision to assets | 0.1211% | 2,800 |
| Net operating income to assets | 1.3309% | 1,179 |
| Return on assets (ROA) | 1.3309% | 1,221 |
| Pretax return on assets | 1.3309% | 2,041 |
| Return on Equity (ROE) | 16.4571% | 569 |
| Retained earnings to average equity (ytd only) | 3.5012% | 3,733 |
| Net charge-offs to loans | 0.0888% | 3,958 |
| Credit loss provision to net charge-offs | 191.1290% | 1,194 |
| Earnings coverage of net charge-offs (x) | 22.9113% | 1,434 |
| Efficiency ratio | 70.7264% | 3,715 |
| Assets per employee ($millions) | 4.4319% | 3,026 |
| Cash dividends to net income (ytd only)* | 78.7250% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 3,663 |
| Loan loss allowance to noncurrent loans | 267.8851% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 3,917 |
| Noncurrent loans to loans | 0.5222% | 4,685 |
| Net loans and leases to total assets | 74.1728% | 1,318 |
| Net loans and leases to deposits | 88.5022% | 1,412 |
| Net loans and leases to core deposits | 100.5534% | 1,115 |
| Total domestic deposits to total assets | 83.8091% | 4,239 |
| Equity capital to assets | 8.2296% | 5,842 |
| Core capital (leverage) ratio | 8.1081% | 6,046 |
| Tier 1 risk-based capital ratio | 11.4589% | 5,926 |
| Total risk-based capital ratio | 12.7116% | 5,865 |
| Memoranda: | ||
| Average total assets | $195,660,400 | 3,076 |
| Average earning assets | $182,084,200 | 3,045 |
| Average equity | $15,823,000 | 3,734 |
| Average total loans | $139,706,000 | 2,703 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 1,203 |
| Cost of funding earning assets | 0.8054% | 1,291 |
| Net interest margin | 4.0612% | 1,753 |
| Noninterest income to average assets | 1.2276% | 975 |
| Noninterest expense to average assets | 3.4316% | 1,756 |
| Loan and lease loss provision to assets | 0.1362% | 2,580 |
| Net operating income to assets | 1.4366% | 1,010 |
| Return on assets (ROA) | 1.4366% | 1,071 |
| Pretax return on assets | 1.4366% | 1,810 |
| Return on Equity (ROE) | 17.8430% | 453 |
| Retained earnings to average equity (ytd only) | 0.7188% | 5,688 |
| Net charge-offs to loans | 0.0841% | 3,746 |
| Credit loss provision to net charge-offs | 229.8851% | 1,058 |
| Earnings coverage of net charge-offs (x) | 26.5510% | 1,345 |
| Efficiency ratio | 68.5714% | 3,983 |
| Assets per employee ($millions) | 4.4842% | 2,908 |
| Cash dividends to net income (ytd only)* | 95.9716% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 3,522 |
| Loan loss allowance to noncurrent loans | 261.7347% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 4,229 |
| Noncurrent loans to loans | 0.5664% | 4,795 |
| Net loans and leases to total assets | 70.7227% | 1,832 |
| Net loans and leases to deposits | 84.8900% | 1,757 |
| Net loans and leases to core deposits | 95.2577% | 1,448 |
| Total domestic deposits to total assets | 83.3110% | 4,456 |
| Equity capital to assets | 8.0136% | 6,151 |
| Core capital (leverage) ratio | 8.0036% | 6,219 |
| Tier 1 risk-based capital ratio | 11.7420% | 5,927 |
| Total risk-based capital ratio | 12.9960% | 5,881 |
| Memoranda: | ||
| Average total assets | $195,824,500 | 3,100 |
| Average earning assets | $182,109,500 | 3,074 |
| Average equity | $15,766,750 | 3,781 |
| Average total loans | $137,959,500 | 2,743 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 1,100 |
| Cost of funding earning assets | 0.8494% | 1,143 |
| Net interest margin | 4.0492% | 1,699 |
| Noninterest income to average assets | 1.3504% | 860 |
| Noninterest expense to average assets | 3.4437% | 1,728 |
| Loan and lease loss provision to assets | 0.2032% | 1,868 |
| Net operating income to assets | 1.4724% | 948 |
| Return on assets (ROA) | 1.4724% | 1,023 |
| Pretax return on assets | 1.4724% | 1,704 |
| Return on Equity (ROE) | 18.2589% | 445 |
| Retained earnings to average equity (ytd only) | -1.9028% | 6,183 |
| Net charge-offs to loans | 0.0610% | 3,832 |
| Credit loss provision to net charge-offs | 476.1905% | 576 |
| Earnings coverage of net charge-offs (x) | 39.2619% | 942 |
| Efficiency ratio | 67.2688% | 4,316 |
| Assets per employee ($millions) | 4.2489% | 3,253 |
| Cash dividends to net income (ytd only)* | 110.4210% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 3,411 |
| Loan loss allowance to noncurrent loans | 261.4713% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.7662% | 4,306 |
| Noncurrent loans to loans | 0.5880% | 4,785 |
| Net loans and leases to total assets | 70.2355% | 1,843 |
| Net loans and leases to deposits | 85.5656% | 1,614 |
| Net loans and leases to core deposits | 93.7256% | 1,543 |
| Total domestic deposits to total assets | 82.0838% | 5,031 |
| Equity capital to assets | 8.1569% | 6,091 |
| Core capital (leverage) ratio | 7.7437% | 6,343 |
| Tier 1 risk-based capital ratio | 11.7366% | 5,965 |
| Total risk-based capital ratio | 12.9910% | 5,920 |
| Memoranda: | ||
| Average total assets | $196,825,330 | 3,105 |
| Average earning assets | $183,197,330 | 3,072 |
| Average equity | $15,871,670 | 3,789 |
| Average total loans | $137,805,670 | 2,748 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 1,069 |
| Cost of funding earning assets | 0.8716% | 1,136 |
| Net interest margin | 4.0342% | 1,667 |
| Noninterest income to average assets | 1.6029% | 608 |
| Noninterest expense to average assets | 3.4042% | 1,829 |
| Loan and lease loss provision to assets | 0.4007% | 771 |
| Net operating income to assets | 1.5448% | 774 |
| Return on assets (ROA) | 1.5448% | 851 |
| Pretax return on assets | 1.5448% | 1,438 |
| Return on Equity (ROE) | 19.2636% | 345 |
| Retained earnings to average equity (ytd only) | 0.1499% | 5,732 |
| Net charge-offs to loans | -0.0029% | 5,191 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6330% | 5,064 |
| Assets per employee ($millions) | 4.5600% | 2,860 |
| Cash dividends to net income (ytd only)* | 99.2218% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 3,633 |
| Loan loss allowance to noncurrent loans | 248.2599% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7700% | 4,451 |
| Noncurrent loans to loans | 0.6233% | 4,884 |
| Net loans and leases to total assets | 67.8633% | 2,039 |
| Net loans and leases to deposits | 83.4606% | 1,650 |
| Net loans and leases to core deposits | 91.2448% | 1,586 |
| Total domestic deposits to total assets | 81.3118% | 5,415 |
| Equity capital to assets | 7.9540% | 6,404 |
| Core capital (leverage) ratio | 7.6510% | 6,385 |
| Tier 1 risk-based capital ratio | 11.6447% | 6,111 |
| Total risk-based capital ratio | 12.8992% | 6,082 |
| Memoranda: | ||
| Average total assets | $199,637,500 | 3,101 |
| Average earning assets | $185,413,500 | 3,077 |
| Average equity | $16,009,500 | 3,819 |
| Average total loans | $138,514,500 | 2,755 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 1,171 |
| Cost of funding earning assets | 1.1987% | 584 |
| Net interest margin | 3.9706% | 2,522 |
| Noninterest income to average assets | 1.2264% | 1,035 |
| Noninterest expense to average assets | 3.5845% | 1,641 |
| Loan and lease loss provision to assets | 0.1012% | 4,374 |
| Net operating income to assets | 1.1991% | 1,609 |
| Return on assets (ROA) | 1.2041% | 1,756 |
| Pretax return on assets | 1.2041% | 2,794 |
| Return on Equity (ROE) | 15.3753% | 747 |
| Retained earnings to average equity (ytd only) | 4.4446% | 3,111 |
| Net charge-offs to loans | 0.0799% | 4,871 |
| Credit loss provision to net charge-offs | 181.8182% | 1,447 |
| Earnings coverage of net charge-offs (x) | 23.3636% | 1,221 |
| Efficiency ratio | 73.3817% | 3,173 |
| Assets per employee ($millions) | 4.6194% | 2,749 |
| Cash dividends to net income (ytd only)* | 71.0924% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3977% | 4,183 |
| Loan loss allowance to noncurrent loans | 87.1853% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4660% | 3,186 |
| Noncurrent loans to loans | 1.6031% | 3,221 |
| Net loans and leases to total assets | 68.8645% | 2,058 |
| Net loans and leases to deposits | 85.0313% | 1,635 |
| Net loans and leases to core deposits | 93.0734% | 1,549 |
| Total domestic deposits to total assets | 80.9872% | 5,415 |
| Equity capital to assets | 8.0852% | 6,363 |
| Core capital (leverage) ratio | 8.0260% | 6,169 |
| Tier 1 risk-based capital ratio | 11.6081% | 6,027 |
| Total risk-based capital ratio | 12.8608% | 5,986 |
| Memoranda: | ||
| Average total assets | $197,654,400 | 3,075 |
| Average earning assets | $182,113,600 | 3,058 |
| Average equity | $15,479,400 | 3,862 |
| Average total loans | $137,747,200 | 2,744 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2208% | 1,152 |
| Cost of funding earning assets | 1.2660% | 516 |
| Net interest margin | 3.9548% | 2,684 |
| Noninterest income to average assets | 1.2015% | 1,047 |
| Noninterest expense to average assets | 3.6816% | 1,392 |
| Loan and lease loss provision to assets | 0.1013% | 4,308 |
| Net operating income to assets | 1.0604% | 2,253 |
| Return on assets (ROA) | 1.0604% | 2,464 |
| Pretax return on assets | 1.0604% | 3,500 |
| Return on Equity (ROE) | 13.6510% | 1,184 |
| Retained earnings to average equity (ytd only) | -0.7130% | 6,218 |
| Net charge-offs to loans | 0.1067% | 4,323 |
| Credit loss provision to net charge-offs | 136.3636% | 2,113 |
| Earnings coverage of net charge-offs (x) | 15.6367% | 1,746 |
| Efficiency ratio | 76.0145% | 2,677 |
| Assets per employee ($millions) | 4.3301% | 3,210 |
| Cash dividends to net income (ytd only)* | 105.2229% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 4,269 |
| Loan loss allowance to noncurrent loans | 76.6018% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.9920% | 2,648 |
| Noncurrent loans to loans | 1.8580% | 3,003 |
| Net loans and leases to total assets | 70.2684% | 1,860 |
| Net loans and leases to deposits | 87.6959% | 1,390 |
| Net loans and leases to core deposits | 92.8067% | 1,698 |
| Total domestic deposits to total assets | 80.1274% | 5,620 |
| Equity capital to assets | 8.2531% | 6,458 |
| Core capital (leverage) ratio | 7.7058% | 6,528 |
| Tier 1 risk-based capital ratio | 11.3696% | 6,315 |
| Total risk-based capital ratio | 12.6223% | 6,272 |
| Memoranda: | ||
| Average total assets | $197,409,250 | 3,112 |
| Average earning assets | $181,780,750 | 3,096 |
| Average equity | $15,334,250 | 3,926 |
| Average total loans | $137,502,000 | 2,783 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 1,178 |
| Cost of funding earning assets | 1.3178% | 483 |
| Net interest margin | 3.9146% | 2,846 |
| Noninterest income to average assets | 1.2777% | 873 |
| Noninterest expense to average assets | 3.7575% | 1,284 |
| Loan and lease loss provision to assets | 0.0994% | 4,287 |
| Net operating income to assets | 1.0211% | 2,380 |
| Return on assets (ROA) | 1.0211% | 2,603 |
| Pretax return on assets | 1.0211% | 3,626 |
| Return on Equity (ROE) | 13.4044% | 1,255 |
| Retained earnings to average equity (ytd only) | -2.4538% | 6,406 |
| Net charge-offs to loans | 0.1582% | 3,655 |
| Credit loss provision to net charge-offs | 90.9091% | 3,017 |
| Earnings coverage of net charge-offs (x) | 10.2455% | 2,076 |
| Efficiency ratio | 77.0281% | 2,585 |
| Assets per employee ($millions) | 4.3250% | 3,211 |
| Cash dividends to net income (ytd only)* | 118.3057% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,653 |
| Loan loss allowance to noncurrent loans | 153.6341% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 1.2853% | 3,853 |
| Noncurrent loans to loans | 0.8813% | 4,727 |
| Net loans and leases to total assets | 70.4053% | 1,850 |
| Net loans and leases to deposits | 86.8226% | 1,496 |
| Net loans and leases to core deposits | 93.2094% | 1,669 |
| Total domestic deposits to total assets | 81.0910% | 5,437 |
| Equity capital to assets | 7.9931% | 6,568 |
| Core capital (leverage) ratio | 7.3537% | 6,685 |
| Tier 1 risk-based capital ratio | 11.1650% | 6,418 |
| Total risk-based capital ratio | 12.4174% | 6,395 |
| Memoranda: | ||
| Average total assets | $201,147,000 | 3,068 |
| Average earning assets | $185,001,330 | 3,058 |
| Average equity | $15,323,330 | 3,920 |
| Average total loans | $139,094,000 | 2,775 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 1,384 |
| Cost of funding earning assets | 1.3722% | 464 |
| Net interest margin | 3.7978% | 3,400 |
| Noninterest income to average assets | 1.0534% | 1,298 |
| Noninterest expense to average assets | 3.3809% | 2,056 |
| Loan and lease loss provision to assets | 0.0968% | 4,137 |
| Net operating income to assets | 1.0592% | 2,256 |
| Return on assets (ROA) | 1.0592% | 2,448 |
| Pretax return on assets | 1.0592% | 3,470 |
| Return on Equity (ROE) | 14.2267% | 1,139 |
| Retained earnings to average equity (ytd only) | -1.1184% | 6,172 |
| Net charge-offs to loans | -0.0028% | 5,738 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5198% | 3,019 |
| Assets per employee ($millions) | 4.5451% | 2,911 |
| Cash dividends to net income (ytd only)* | 107.8611% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,567 |
| Loan loss allowance to noncurrent loans | 159.3960% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 2.6915% | 2,190 |
| Noncurrent loans to loans | 0.8847% | 4,902 |
| Net loans and leases to total assets | 64.9484% | 2,661 |
| Net loans and leases to deposits | 82.5636% | 1,853 |
| Net loans and leases to core deposits | 88.3591% | 2,008 |
| Total domestic deposits to total assets | 78.6647% | 6,154 |
| Equity capital to assets | 7.4644% | 6,795 |
| Core capital (leverage) ratio | 7.0614% | 6,816 |
| Tier 1 risk-based capital ratio | 10.9495% | 6,560 |
| Total risk-based capital ratio | 12.2015% | 6,548 |
| Memoranda: | ||
| Average total assets | $206,570,000 | 3,033 |
| Average earning assets | $189,476,500 | 3,021 |
| Average equity | $15,379,500 | 3,917 |
| Average total loans | $140,730,500 | 2,774 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 1,942 |
| Cost of funding earning assets | 1.6020% | 478 |
| Net interest margin | 3.6299% | 4,610 |
| Noninterest income to average assets | 0.8496% | 1,847 |
| Noninterest expense to average assets | 3.2384% | 2,735 |
| Loan and lease loss provision to assets | 0.0728% | 5,700 |
| Net operating income to assets | 0.9016% | 2,593 |
| Return on assets (ROA) | 0.9991% | 2,346 |
| Pretax return on assets | 0.9991% | 3,252 |
| Return on Equity (ROE) | 13.8229% | 972 |
| Retained earnings to average equity (ytd only) | 3.9676% | 3,373 |
| Net charge-offs to loans | 0.0007% | 6,437 |
| Credit loss provision to net charge-offs | 15,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 2,008.0000% | 6 |
| Efficiency ratio | 76.8717% | 2,764 |
| Assets per employee ($millions) | 4.6358% | 2,706 |
| Cash dividends to net income (ytd only)* | 71.2967% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 5,109 |
| Loan loss allowance to noncurrent loans | 139.7581% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 1.6222% | 3,525 |
| Noncurrent loans to loans | 0.9017% | 4,882 |
| Net loans and leases to total assets | 69.4468% | 2,136 |
| Net loans and leases to deposits | 87.4488% | 1,461 |
| Net loans and leases to core deposits | 93.6859% | 1,727 |
| Total domestic deposits to total assets | 79.4142% | 5,888 |
| Equity capital to assets | 7.4263% | 6,844 |
| Core capital (leverage) ratio | 7.2339% | 6,773 |
| Tier 1 risk-based capital ratio | 10.5531% | 6,661 |
| Total risk-based capital ratio | 11.8110% | 6,639 |
| Memoranda: | ||
| Average total assets | $206,088,800 | 2,988 |
| Average earning assets | $190,943,200 | 2,958 |
| Average equity | $14,895,600 | 3,932 |
| Average total loans | $136,676,200 | 2,864 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 2,205 |
| Cost of funding earning assets | 1.6394% | 499 |
| Net interest margin | 3.5618% | 4,932 |
| Noninterest income to average assets | 0.8676% | 1,760 |
| Noninterest expense to average assets | 3.1772% | 2,891 |
| Loan and lease loss provision to assets | 0.0733% | 5,535 |
| Net operating income to assets | 0.9247% | 2,652 |
| Return on assets (ROA) | 0.9338% | 2,760 |
| Pretax return on assets | 0.9338% | 3,640 |
| Return on Equity (ROE) | 13.0107% | 1,274 |
| Retained earnings to average equity (ytd only) | -0.0543% | 5,971 |
| Net charge-offs to loans | 0.0020% | 6,173 |
| Credit loss provision to net charge-offs | 5,650.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 768.0225% | 40 |
| Efficiency ratio | 76.0957% | 2,824 |
| Assets per employee ($millions) | 4.7786% | 2,509 |
| Cash dividends to net income (ytd only)* | 100.4170% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 4,845 |
| Loan loss allowance to noncurrent loans | 78.2966% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 2.1794% | 2,925 |
| Noncurrent loans to loans | 1.7055% | 3,751 |
| Net loans and leases to total assets | 66.6707% | 2,751 |
| Net loans and leases to deposits | 84.0028% | 1,996 |
| Net loans and leases to core deposits | 90.9664% | 2,124 |
| Total domestic deposits to total assets | 79.3672% | 5,896 |
| Equity capital to assets | 7.6009% | 6,893 |
| Core capital (leverage) ratio | 6.9186% | 6,982 |
| Tier 1 risk-based capital ratio | 10.5513% | 6,754 |
| Total risk-based capital ratio | 11.8098% | 6,739 |
| Memoranda: | ||
| Average total assets | $205,458,500 | 3,010 |
| Average earning assets | $190,797,500 | 2,966 |
| Average equity | $14,746,500 | 3,971 |
| Average total loans | $134,164,750 | 2,937 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 2,551 |
| Cost of funding earning assets | 1.6708% | 529 |
| Net interest margin | 3.4579% | 5,328 |
| Noninterest income to average assets | 0.8394% | 1,838 |
| Noninterest expense to average assets | 3.1433% | 3,104 |
| Loan and lease loss provision to assets | 0.0724% | 5,404 |
| Net operating income to assets | 0.8423% | 2,892 |
| Return on assets (ROA) | 0.8423% | 2,989 |
| Pretax return on assets | 0.8423% | 3,862 |
| Return on Equity (ROE) | 11.9641% | 1,505 |
| Retained earnings to average equity (ytd only) | -1.3446% | 6,125 |
| Net charge-offs to loans | 0.0045% | 5,816 |
| Credit loss provision to net charge-offs | 2,500.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 315.6667% | 108 |
| Efficiency ratio | 77.4577% | 2,792 |
| Assets per employee ($millions) | 5.0146% | 2,106 |
| Cash dividends to net income (ytd only)* | 111.2385% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,952 |
| Loan loss allowance to noncurrent loans | 128.0144% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.6761% | 3,665 |
| Noncurrent loans to loans | 1.0345% | 4,926 |
| Net loans and leases to total assets | 64.2550% | 3,407 |
| Net loans and leases to deposits | 80.5123% | 2,706 |
| Net loans and leases to core deposits | 86.9571% | 2,769 |
| Total domestic deposits to total assets | 79.8077% | 5,882 |
| Equity capital to assets | 7.2501% | 7,042 |
| Core capital (leverage) ratio | 6.7684% | 7,065 |
| Tier 1 risk-based capital ratio | 10.6285% | 6,744 |
| Total risk-based capital ratio | 11.7280% | 6,798 |
| Memoranda: | ||
| Average total assets | $207,044,670 | 3,009 |
| Average earning assets | $192,718,000 | 2,960 |
| Average equity | $14,577,000 | 3,991 |
| Average total loans | $133,680,000 | 2,970 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0456% | 2,883 |
| Cost of funding earning assets | 1.7265% | 498 |
| Net interest margin | 3.3190% | 5,713 |
| Noninterest income to average assets | 0.8933% | 1,681 |
| Noninterest expense to average assets | 3.1785% | 2,969 |
| Loan and lease loss provision to assets | 0.0732% | 5,086 |
| Net operating income to assets | 0.7393% | 3,326 |
| Return on assets (ROA) | 0.7393% | 3,390 |
| Pretax return on assets | 0.7393% | 4,148 |
| Return on Equity (ROE) | 10.6574% | 1,854 |
| Retained earnings to average equity (ytd only) | -1.6930% | 6,100 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6430% | 2,590 |
| Assets per employee ($millions) | 4.7148% | 2,547 |
| Cash dividends to net income (ytd only)* | 115.8854% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 5,001 |
| Loan loss allowance to noncurrent loans | 138.7071% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 1.0167% | 4,874 |
| Noncurrent loans to loans | 0.9573% | 5,123 |
| Net loans and leases to total assets | 60.8715% | 4,102 |
| Net loans and leases to deposits | 77.1738% | 3,221 |
| Net loans and leases to core deposits | 83.0710% | 3,298 |
| Total domestic deposits to total assets | 78.8759% | 6,224 |
| Equity capital to assets | 6.8461% | 7,132 |
| Core capital (leverage) ratio | 6.6931% | 7,118 |
| Tier 1 risk-based capital ratio | 11.0491% | 6,476 |
| Total risk-based capital ratio | 12.3083% | 6,447 |
| Memoranda: | ||
| Average total assets | $207,768,000 | 3,016 |
| Average earning assets | $193,913,000 | 2,960 |
| Average equity | $14,412,500 | 4,020 |
| Average total loans | $133,580,000 | 3,012 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6549% | 1,730 |
| Cost of funding earning assets | 2.0044% | 600 |
| Net interest margin | 3.6505% | 4,570 |
| Noninterest income to average assets | 1.1087% | 1,205 |
| Noninterest expense to average assets | 3.4692% | 2,255 |
| Loan and lease loss provision to assets | 0.1538% | 5,669 |
| Net operating income to assets | 0.8596% | 2,555 |
| Return on assets (ROA) | 0.9621% | 2,279 |
| Pretax return on assets | 0.9621% | 3,058 |
| Return on Equity (ROE) | 13.1845% | 1,045 |
| Retained earnings to average equity (ytd only) | 3.1398% | 3,669 |
| Net charge-offs to loans | 0.0420% | 6,386 |
| Credit loss provision to net charge-offs | 517.2414% | 441 |
| Earnings coverage of net charge-offs (x) | 34.0862% | 663 |
| Efficiency ratio | 77.3928% | 2,810 |
| Assets per employee ($millions) | 4.6221% | 2,662 |
| Cash dividends to net income (ytd only)* | 76.1854% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 5,282 |
| Loan loss allowance to noncurrent loans | 131.4772% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 4,852 |
| Noncurrent loans to loans | 0.9488% | 5,151 |
| Net loans and leases to total assets | 66.1717% | 3,434 |
| Net loans and leases to deposits | 83.2235% | 2,584 |
| Net loans and leases to core deposits | 89.6526% | 2,815 |
| Total domestic deposits to total assets | 79.5108% | 5,964 |
| Equity capital to assets | 7.0315% | 7,104 |
| Core capital (leverage) ratio | 7.0124% | 7,023 |
| Tier 1 risk-based capital ratio | 10.6781% | 6,586 |
| Total risk-based capital ratio | 11.9346% | 6,554 |
| Memoranda: | ||
| Average total assets | $195,087,000 | 3,160 |
| Average earning assets | $180,305,000 | 3,120 |
| Average equity | $14,236,400 | 4,090 |
| Average total loans | $138,187,400 | 2,981 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7538% | 1,536 |
| Cost of funding earning assets | 2.0440% | 654 |
| Net interest margin | 3.7098% | 4,357 |
| Noninterest income to average assets | 1.0051% | 1,452 |
| Noninterest expense to average assets | 3.5347% | 1,949 |
| Loan and lease loss provision to assets | 0.0781% | 6,267 |
| Net operating income to assets | 0.8151% | 2,938 |
| Return on assets (ROA) | 0.8828% | 2,825 |
| Pretax return on assets | 0.8828% | 3,618 |
| Return on Equity (ROE) | 11.9824% | 1,509 |
| Retained earnings to average equity (ytd only) | -0.3938% | 5,884 |
| Net charge-offs to loans | 0.0567% | 5,952 |
| Credit loss provision to net charge-offs | 191.5254% | 1,872 |
| Earnings coverage of net charge-offs (x) | 21.9166% | 1,116 |
| Efficiency ratio | 79.8284% | 2,360 |
| Assets per employee ($millions) | 4.5766% | 2,782 |
| Cash dividends to net income (ytd only)* | 103.2865% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 5,828 |
| Loan loss allowance to noncurrent loans | 206.8399% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 5,674 |
| Noncurrent loans to loans | 0.5445% | 6,114 |
| Net loans and leases to total assets | 67.4458% | 3,341 |
| Net loans and leases to deposits | 86.2600% | 2,282 |
| Net loans and leases to core deposits | 95.7033% | 2,296 |
| Total domestic deposits to total assets | 78.1890% | 6,220 |
| Equity capital to assets | 7.3096% | 7,223 |
| Core capital (leverage) ratio | 6.9063% | 7,207 |
| Tier 1 risk-based capital ratio | 10.5108% | 6,769 |
| Total risk-based capital ratio | 11.6821% | 6,812 |
| Memoranda: | ||
| Average total assets | $193,016,000 | 3,240 |
| Average earning assets | $178,080,750 | 3,188 |
| Average equity | $14,220,500 | 4,153 |
| Average total loans | $138,665,750 | 3,011 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7973% | 1,435 |
| Cost of funding earning assets | 2.0754% | 724 |
| Net interest margin | 3.7219% | 4,264 |
| Noninterest income to average assets | 0.9137% | 1,645 |
| Noninterest expense to average assets | 3.3449% | 2,416 |
| Loan and lease loss provision to assets | 0.0782% | 6,161 |
| Net operating income to assets | 0.9210% | 2,465 |
| Return on assets (ROA) | 0.9908% | 2,310 |
| Pretax return on assets | 0.9908% | 3,151 |
| Return on Equity (ROE) | 13.4127% | 1,154 |
| Retained earnings to average equity (ytd only) | -0.8471% | 5,937 |
| Net charge-offs to loans | 0.0114% | 6,185 |
| Credit loss provision to net charge-offs | 937.5000% | 391 |
| Earnings coverage of net charge-offs (x) | 119.7500% | 280 |
| Efficiency ratio | 76.9988% | 2,893 |
| Assets per employee ($millions) | 4.3374% | 3,151 |
| Cash dividends to net income (ytd only)* | 106.3158% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 6,021 |
| Loan loss allowance to noncurrent loans | 251.6502% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.8389% | 5,439 |
| Noncurrent loans to loans | 0.4306% | 6,377 |
| Net loans and leases to total assets | 72.9472% | 2,182 |
| Net loans and leases to deposits | 94.3703% | 1,227 |
| Net loans and leases to core deposits | 108.5590% | 1,257 |
| Total domestic deposits to total assets | 77.2989% | 6,433 |
| Equity capital to assets | 7.4783% | 7,129 |
| Core capital (leverage) ratio | 7.1437% | 7,100 |
| Tier 1 risk-based capital ratio | 10.2328% | 6,892 |
| Total risk-based capital ratio | 11.3845% | 6,921 |
| Memoranda: | ||
| Average total assets | $191,756,330 | 3,280 |
| Average earning assets | $176,737,330 | 3,235 |
| Average equity | $14,165,670 | 4,159 |
| Average total loans | $140,140,330 | 3,010 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7616% | 1,591 |
| Cost of funding earning assets | 2.1146% | 772 |
| Net interest margin | 3.6470% | 4,505 |
| Noninterest income to average assets | 0.8844% | 1,686 |
| Noninterest expense to average assets | 3.2776% | 2,602 |
| Loan and lease loss provision to assets | 0.0791% | 5,852 |
| Net operating income to assets | 0.8907% | 2,588 |
| Return on assets (ROA) | 0.8907% | 2,659 |
| Pretax return on assets | 0.8907% | 3,505 |
| Return on Equity (ROE) | 12.1311% | 1,459 |
| Retained earnings to average equity (ytd only) | -3.6280% | 6,452 |
| Net charge-offs to loans | 0.0229% | 5,256 |
| Credit loss provision to net charge-offs | 475.0000% | 887 |
| Earnings coverage of net charge-offs (x) | 58.2500% | 515 |
| Efficiency ratio | 77.1681% | 3,038 |
| Assets per employee ($millions) | 4.2242% | 3,422 |
| Cash dividends to net income (ytd only)* | 129.9065% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 6,044 |
| Loan loss allowance to noncurrent loans | 432.5581% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 6,057 |
| Noncurrent loans to loans | 0.2525% | 6,835 |
| Net loans and leases to total assets | 70.8985% | 2,721 |
| Net loans and leases to deposits | 91.7340% | 1,647 |
| Net loans and leases to core deposits | 104.7554% | 1,680 |
| Total domestic deposits to total assets | 77.2871% | 6,498 |
| Equity capital to assets | 7.4028% | 7,134 |
| Core capital (leverage) ratio | 7.1447% | 7,147 |
| Tier 1 risk-based capital ratio | 10.4500% | 6,675 |
| Total risk-based capital ratio | 11.6034% | 6,756 |
| Memoranda: | ||
| Average total assets | $192,212,000 | 3,335 |
| Average earning assets | $177,243,500 | 3,293 |
| Average equity | $14,112,500 | 4,221 |
| Average total loans | $139,840,000 | 3,081 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1266% | 1,446 |
| Cost of funding earning assets | 2.5925% | 796 |
| Net interest margin | 3.5341% | 4,807 |
| Noninterest income to average assets | 0.8057% | 2,380 |
| Noninterest expense to average assets | 2.9782% | 4,240 |
| Loan and lease loss provision to assets | 0.3324% | 4,817 |
| Net operating income to assets | 0.7709% | 2,630 |
| Return on assets (ROA) | 0.8664% | 2,363 |
| Pretax return on assets | 0.8664% | 3,030 |
| Return on Equity (ROE) | 12.1837% | 1,114 |
| Retained earnings to average equity (ytd only) | 3.3539% | 2,821 |
| Net charge-offs to loans | 0.0906% | 6,224 |
| Credit loss provision to net charge-offs | 500.0000% | 612 |
| Earnings coverage of net charge-offs (x) | 16.5952% | 1,247 |
| Efficiency ratio | 72.9670% | 4,103 |
| Assets per employee ($millions) | 4.8584% | 2,395 |
| Cash dividends to net income (ytd only)* | 72.4726% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 6,281 |
| Loan loss allowance to noncurrent loans | 401.6529% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 6,012 |
| Noncurrent loans to loans | 0.2531% | 6,791 |
| Net loans and leases to total assets | 73.0510% | 2,499 |
| Net loans and leases to deposits | 98.0374% | 1,097 |
| Net loans and leases to core deposits | 132.1951% | 1,159 |
| Total domestic deposits to total assets | 74.5135% | 6,943 |
| Equity capital to assets | 7.2828% | 7,212 |
| Core capital (leverage) ratio | 7.0110% | 7,226 |
| Tier 1 risk-based capital ratio | 10.1352% | 6,758 |
| Total risk-based capital ratio | 11.2210% | 6,877 |
| Memoranda: | ||
| Average total assets | $189,513,200 | 3,292 |
| Average earning assets | $175,661,200 | 3,274 |
| Average equity | $13,477,000 | 4,390 |
| Average total loans | $139,093,400 | 3,104 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1099% | 1,617 |
| Cost of funding earning assets | 2.6812% | 835 |
| Net interest margin | 3.4287% | 5,153 |
| Noninterest income to average assets | 0.7675% | 2,609 |
| Noninterest expense to average assets | 2.8980% | 4,464 |
| Loan and lease loss provision to assets | 0.4107% | 3,860 |
| Net operating income to assets | 0.6415% | 3,446 |
| Return on assets (ROA) | 0.7696% | 3,000 |
| Pretax return on assets | 0.7696% | 3,628 |
| Return on Equity (ROE) | 10.8904% | 1,656 |
| Retained earnings to average equity (ytd only) | -0.6913% | 5,406 |
| Net charge-offs to loans | 0.0734% | 5,951 |
| Credit loss provision to net charge-offs | 763.1579% | 501 |
| Earnings coverage of net charge-offs (x) | 19.5527% | 1,283 |
| Efficiency ratio | 73.3644% | 3,986 |
| Assets per employee ($millions) | 4.5890% | 2,714 |
| Cash dividends to net income (ytd only)* | 106.3472% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 6,005 |
| Loan loss allowance to noncurrent loans | 467.3077% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 6,065 |
| Noncurrent loans to loans | 0.2248% | 6,937 |
| Net loans and leases to total assets | 71.2582% | 3,208 |
| Net loans and leases to deposits | 93.3760% | 1,988 |
| Net loans and leases to core deposits | 128.7562% | 1,521 |
| Total domestic deposits to total assets | 76.3132% | 6,525 |
| Equity capital to assets | 6.9980% | 7,598 |
| Core capital (leverage) ratio | 6.6375% | 7,613 |
| Tier 1 risk-based capital ratio | 10.0120% | 6,969 |
| Total risk-based capital ratio | 11.1272% | 7,037 |
| Memoranda: | ||
| Average total assets | $188,308,000 | 3,329 |
| Average earning assets | $174,794,250 | 3,312 |
| Average equity | $13,308,000 | 4,458 |
| Average total loans | $138,011,500 | 3,153 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1327% | 1,680 |
| Cost of funding earning assets | 2.7340% | 951 |
| Net interest margin | 3.3988% | 5,178 |
| Noninterest income to average assets | 0.7750% | 2,552 |
| Noninterest expense to average assets | 2.8807% | 4,576 |
| Loan and lease loss provision to assets | 0.1135% | 6,013 |
| Net operating income to assets | 0.9388% | 2,317 |
| Return on assets (ROA) | 0.9452% | 2,390 |
| Pretax return on assets | 0.9452% | 3,195 |
| Return on Equity (ROE) | 13.3303% | 1,112 |
| Retained earnings to average equity (ytd only) | 0.3321% | 5,087 |
| Net charge-offs to loans | 0.1103% | 5,056 |
| Credit loss provision to net charge-offs | 139.4737% | 3,350 |
| Earnings coverage of net charge-offs (x) | 12.9342% | 1,773 |
| Efficiency ratio | 73.2444% | 4,152 |
| Assets per employee ($millions) | 5.3538% | 1,715 |
| Cash dividends to net income (ytd only)* | 97.5085% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7023% | 7,420 |
| Loan loss allowance to noncurrent loans | 237.1084% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 5,929 |
| Noncurrent loans to loans | 0.2962% | 6,774 |
| Net loans and leases to total assets | 70.2307% | 3,640 |
| Net loans and leases to deposits | 90.2673% | 2,792 |
| Net loans and leases to core deposits | 126.4268% | 1,829 |
| Total domestic deposits to total assets | 77.8030% | 6,130 |
| Equity capital to assets | 6.7994% | 7,707 |
| Core capital (leverage) ratio | 6.9574% | 7,569 |
| Tier 1 risk-based capital ratio | 9.7794% | 7,154 |
| Total risk-based capital ratio | 10.5095% | 7,557 |
| Memoranda: | ||
| Average total assets | $186,830,670 | 3,380 |
| Average earning assets | $173,593,000 | 3,353 |
| Average equity | $13,248,000 | 4,477 |
| Average total loans | $137,748,330 | 3,185 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9969% | 2,383 |
| Cost of funding earning assets | 2.7729% | 1,048 |
| Net interest margin | 3.2240% | 5,782 |
| Noninterest income to average assets | 0.8035% | 2,302 |
| Noninterest expense to average assets | 2.8697% | 4,262 |
| Loan and lease loss provision to assets | 0.1015% | 5,667 |
| Net operating income to assets | 0.8300% | 2,997 |
| Return on assets (ROA) | 0.8300% | 3,147 |
| Pretax return on assets | 0.8300% | 3,973 |
| Return on Equity (ROE) | 11.4481% | 1,831 |
| Retained earnings to average equity (ytd only) | -1.7964% | 6,060 |
| Net charge-offs to loans | 0.0205% | 5,277 |
| Credit loss provision to net charge-offs | 657.1429% | 882 |
| Earnings coverage of net charge-offs (x) | 60.2857% | 645 |
| Efficiency ratio | 75.4936% | 3,567 |
| Assets per employee ($millions) | 5.1446% | 1,900 |
| Cash dividends to net income (ytd only)* | 115.6915% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7313% | 7,356 |
| Loan loss allowance to noncurrent loans | 83.4593% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6614% | 5,512 |
| Noncurrent loans to loans | 0.8763% | 5,263 |
| Net loans and leases to total assets | 74.9302% | 2,518 |
| Net loans and leases to deposits | 99.8424% | 1,433 |
| Net loans and leases to core deposits | 134.2167% | 1,406 |
| Total domestic deposits to total assets | 75.0485% | 6,707 |
| Equity capital to assets | 7.2703% | 7,513 |
| Core capital (leverage) ratio | 7.3046% | 7,377 |
| Tier 1 risk-based capital ratio | 10.1273% | 6,778 |
| Total risk-based capital ratio | 10.8958% | 7,224 |
| Memoranda: | ||
| Average total assets | $181,201,000 | 3,488 |
| Average earning assets | $168,487,000 | 3,445 |
| Average equity | $13,137,500 | 4,549 |
| Average total loans | $136,570,500 | 3,236 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3870% | 3,480 |
| Cost of funding earning assets | 3.4551% | 592 |
| Net interest margin | 2.9319% | 7,076 |
| Noninterest income to average assets | 0.9374% | 1,823 |
| Noninterest expense to average assets | 2.7662% | 4,980 |
| Loan and lease loss provision to assets | 0.1073% | 6,003 |
| Net operating income to assets | 0.7740% | 3,556 |
| Return on assets (ROA) | 0.7794% | 3,370 |
| Pretax return on assets | 0.7794% | 4,146 |
| Return on Equity (ROE) | 10.5005% | 2,085 |
| Retained earnings to average equity (ytd only) | 0.9721% | 4,653 |
| Net charge-offs to loans | -0.1348% | 8,124 |
| Credit loss provision to net charge-offs | -110.4294% | 7,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8378% | 3,258 |
| Assets per employee ($millions) | 5.0650% | 1,885 |
| Cash dividends to net income (ytd only)* | 90.7422% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6952% | 7,441 |
| Loan loss allowance to noncurrent loans | 186.3281% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 6,460 |
| Noncurrent loans to loans | 0.3731% | 6,234 |
| Net loans and leases to total assets | 74.7352% | 2,934 |
| Net loans and leases to deposits | 101.4774% | 1,647 |
| Net loans and leases to core deposits | 130.7438% | 1,799 |
| Total domestic deposits to total assets | 73.6472% | 6,707 |
| Equity capital to assets | 7.2304% | 7,601 |
| Core capital (leverage) ratio | 7.4419% | 7,271 |
| Tier 1 risk-based capital ratio | 9.7015% | 7,080 |
| Total risk-based capital ratio | 10.4048% | 7,626 |
| Memoranda: | ||
| Average total assets | $167,702,800 | 3,587 |
| Average earning assets | $155,019,000 | 3,567 |
| Average equity | $12,447,000 | 4,712 |
| Average total loans | $120,887,000 | 3,446 |