Home > Integrity Bank & Trust > Performance and Condition Ratios
Integrity Bank & Trust, 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 | 5.5011% | 1,157 |
| Cost of funding earning assets | 1.2445% | 2,671 |
| Net interest margin | 4.2565% | 865 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.8592% | 1,375 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.1822% | 1,692 |
| Return on assets (ROA) | 1.1363% | 1,795 |
| Pretax return on assets | 1.4754% | 1,480 |
| Return on Equity (ROE) | 14.4000% | 1,403 |
| Retained earnings to average equity (ytd only) | 10.4076% | 923 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.7900% | 2,631 |
| Assets per employee ($millions) | 5.7812% | 3,003 |
| Cash dividends to net income (ytd only)* | 27.7428% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,205 |
| Loan loss allowance to noncurrent loans | 195.6522% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 674 |
| Noncurrent loans to loans | 0.6211% | 1,268 |
| Net loans and leases to total assets | 68.5400% | 1,971 |
| Net loans and leases to deposits | 82.9827% | 1,866 |
| Net loans and leases to core deposits | 87.9961% | 2,179 |
| Total domestic deposits to total assets | 82.6000% | 2,990 |
| Equity capital to assets | 8.1814% | 3,293 |
| Core capital (leverage) ratio | 9.2805% | 3,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1528% | 1,239 |
| Memoranda: | ||
| Average total assets | $335,304,600 | 2,247 |
| Average earning assets | $314,176,000 | 2,229 |
| Average equity | $26,451,800 | 2,438 |
| Average total loans | $232,558,400 | 2,089 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 1,103 |
| Cost of funding earning assets | 1.1353% | 2,643 |
| Net interest margin | 4.2845% | 817 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.8301% | 1,366 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.2514% | 1,645 |
| Return on assets (ROA) | 1.1897% | 1,811 |
| Pretax return on assets | 1.5278% | 1,508 |
| Return on Equity (ROE) | 15.2300% | 1,409 |
| Retained earnings to average equity (ytd only) | 11.1921% | 1,133 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.5255% | 2,659 |
| Assets per employee ($millions) | 5.7351% | 2,983 |
| Cash dividends to net income (ytd only)* | 26.5003% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,363 |
| Loan loss allowance to noncurrent loans | 274.5665% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 879 |
| Noncurrent loans to loans | 0.4369% | 1,740 |
| Net loans and leases to total assets | 69.3700% | 1,901 |
| Net loans and leases to deposits | 79.6388% | 2,082 |
| Net loans and leases to core deposits | 86.7064% | 2,141 |
| Total domestic deposits to total assets | 87.1000% | 1,858 |
| Equity capital to assets | 7.8911% | 3,127 |
| Core capital (leverage) ratio | 8.9740% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0203% | 1,314 |
| Memoranda: | ||
| Average total assets | $332,412,250 | 2,257 |
| Average earning assets | $311,219,500 | 2,243 |
| Average equity | $25,970,000 | 2,451 |
| Average total loans | $230,526,250 | 2,098 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2396% | 1,164 |
| Cost of funding earning assets | 0.9487% | 2,779 |
| Net interest margin | 4.2909% | 815 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 2.8091% | 1,401 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2342% | 1,737 |
| Return on assets (ROA) | 1.1409% | 1,995 |
| Pretax return on assets | 1.5386% | 1,522 |
| Return on Equity (ROE) | 14.6500% | 1,541 |
| Retained earnings to average equity (ytd only) | 10.3007% | 1,333 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.6498% | 2,753 |
| Assets per employee ($millions) | 5.5051% | 3,143 |
| Cash dividends to net income (ytd only)* | 29.7082% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,503 |
| Loan loss allowance to noncurrent loans | 265.2964% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 804 |
| Noncurrent loans to loans | 0.4474% | 1,600 |
| Net loans and leases to total assets | 68.8000% | 1,871 |
| Net loans and leases to deposits | 78.8522% | 2,058 |
| Net loans and leases to core deposits | 84.7858% | 2,157 |
| Total domestic deposits to total assets | 87.2500% | 1,847 |
| Equity capital to assets | 7.8598% | 3,306 |
| Core capital (leverage) ratio | 8.9584% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6808% | 1,389 |
| Memoranda: | ||
| Average total assets | $330,426,667 | 2,276 |
| Average earning assets | $309,490,000 | 2,260 |
| Average equity | $25,726,333 | 2,483 |
| Average total loans | $228,181,667 | 2,107 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1142% | 1,072 |
| Cost of funding earning assets | 0.6036% | 3,373 |
| Net interest margin | 4.5106% | 582 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.8279% | 1,376 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3829% | 1,455 |
| Return on assets (ROA) | 1.1949% | 1,903 |
| Pretax return on assets | 1.6281% | 1,404 |
| Return on Equity (ROE) | 15.4200% | 1,474 |
| Retained earnings to average equity (ytd only) | 10.4598% | 1,589 |
| Net charge-offs to loans | 0.0035% | 1,874 |
| Credit loss provision to net charge-offs | 3,750.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 802.0000% | 138 |
| Efficiency ratio | 59.0921% | 3,063 |
| Assets per employee ($millions) | 5.7284% | 3,004 |
| Cash dividends to net income (ytd only)* | 32.1757% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,535 |
| Loan loss allowance to noncurrent loans | 1,729.4872% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 1,302 |
| Noncurrent loans to loans | 0.0696% | 3,232 |
| Net loans and leases to total assets | 66.6900% | 1,989 |
| Net loans and leases to deposits | 76.5304% | 2,071 |
| Net loans and leases to core deposits | 81.3773% | 2,155 |
| Total domestic deposits to total assets | 87.1500% | 2,214 |
| Equity capital to assets | 7.8760% | 3,323 |
| Core capital (leverage) ratio | 9.0846% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5615% | 1,476 |
| Memoranda: | ||
| Average total assets | $327,735,000 | 2,327 |
| Average earning assets | $306,834,000 | 2,308 |
| Average equity | $25,392,500 | 2,524 |
| Average total loans | $225,372,000 | 2,136 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 791 |
| Cost of funding earning assets | 0.1553% | 4,099 |
| Net interest margin | 4.2990% | 424 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.8983% | 1,128 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.3255% | 1,349 |
| Return on assets (ROA) | 1.3255% | 1,311 |
| Pretax return on assets | 1.7442% | 827 |
| Return on Equity (ROE) | 17.7000% | 748 |
| Retained earnings to average equity (ytd only) | 13.7740% | 413 |
| Net charge-offs to loans | 0.0014% | 2,513 |
| Credit loss provision to net charge-offs | 10,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 1,992.6667% | 88 |
| Efficiency ratio | 61.2146% | 2,880 |
| Assets per employee ($millions) | 5.1305% | 3,571 |
| Cash dividends to net income (ytd only)* | 22.1784% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 2,592 |
| Loan loss allowance to noncurrent loans | 1,525.5814% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 1,246 |
| Noncurrent loans to loans | 0.0760% | 3,214 |
| Net loans and leases to total assets | 69.2500% | 1,707 |
| Net loans and leases to deposits | 75.1987% | 2,156 |
| Net loans and leases to core deposits | 75.7056% | 2,443 |
| Total domestic deposits to total assets | 92.0900% | 618 |
| Equity capital to assets | 7.6162% | 3,319 |
| Core capital (leverage) ratio | 8.9623% | 3,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1972% | 1,566 |
| Memoranda: | ||
| Average total assets | $325,540,000 | 2,320 |
| Average earning assets | $305,256,200 | 2,312 |
| Average equity | $24,379,200 | 2,611 |
| Average total loans | $216,650,000 | 2,126 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 928 |
| Cost of funding earning assets | 0.1246% | 4,083 |
| Net interest margin | 4.0554% | 568 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.8439% | 1,161 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.2494% | 1,525 |
| Return on assets (ROA) | 1.2494% | 1,497 |
| Pretax return on assets | 1.6288% | 1,049 |
| Return on Equity (ROE) | 16.7500% | 845 |
| Retained earnings to average equity (ytd only) | 13.0316% | 611 |
| Net charge-offs to loans | 0.0019% | 2,225 |
| Credit loss provision to net charge-offs | 7,500.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 1,403.0000% | 93 |
| Efficiency ratio | 62.3018% | 2,795 |
| Assets per employee ($millions) | 5.2261% | 3,477 |
| Cash dividends to net income (ytd only)* | 22.2186% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1507% | 2,789 |
| Loan loss allowance to noncurrent loans | 5,795.4545% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 1,470 |
| Noncurrent loans to loans | 0.0199% | 3,774 |
| Net loans and leases to total assets | 66.5300% | 1,829 |
| Net loans and leases to deposits | 71.8894% | 2,213 |
| Net loans and leases to core deposits | 72.6625% | 2,439 |
| Total domestic deposits to total assets | 92.5500% | 701 |
| Equity capital to assets | 7.0565% | 3,481 |
| Core capital (leverage) ratio | 8.6120% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1875% | 1,652 |
| Memoranda: | ||
| Average total assets | $326,119,750 | 2,337 |
| Average earning assets | $305,987,500 | 2,318 |
| Average equity | $24,319,750 | 2,665 |
| Average total loans | $214,197,750 | 2,141 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 957 |
| Cost of funding earning assets | 0.1231% | 3,924 |
| Net interest margin | 3.8627% | 660 |
| Noninterest income to average assets | 0.8699% | 903 |
| Noninterest expense to average assets | 2.8178% | 1,141 |
| Loan and lease loss provision to assets | 0.0923% | 1,075 |
| Net operating income to assets | 1.1948% | 1,447 |
| Return on assets (ROA) | 1.1948% | 1,426 |
| Pretax return on assets | 1.5879% | 968 |
| Return on Equity (ROE) | 15.7362% | 749 |
| Retained earnings to average equity (ytd only) | 12.1546% | 585 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6453% | 2,962 |
| Assets per employee ($millions) | 5.3613% | 3,378 |
| Cash dividends to net income (ytd only)* | 22.7600% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 3,132 |
| Loan loss allowance to noncurrent loans | 4,673.5849% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 1,532 |
| Noncurrent loans to loans | 0.0237% | 3,783 |
| Net loans and leases to total assets | 66.4925% | 1,633 |
| Net loans and leases to deposits | 71.8494% | 2,042 |
| Net loans and leases to core deposits | 72.7976% | 2,252 |
| Total domestic deposits to total assets | 92.5443% | 639 |
| Equity capital to assets | 7.1467% | 3,692 |
| Core capital (leverage) ratio | 8.2536% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3535% | 1,916 |
| Memoranda: | ||
| Average total assets | $325,078,333 | 2,358 |
| Average earning assets | $305,334,333 | 2,349 |
| Average equity | $24,682,000 | 2,701 |
| Average total loans | $211,727,000 | 2,159 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 971 |
| Cost of funding earning assets | 0.1244% | 3,843 |
| Net interest margin | 3.7452% | 694 |
| Noninterest income to average assets | 0.9931% | 688 |
| Noninterest expense to average assets | 2.8959% | 968 |
| Loan and lease loss provision to assets | 0.0933% | 884 |
| Net operating income to assets | 1.1101% | 1,504 |
| Return on assets (ROA) | 1.1101% | 1,494 |
| Pretax return on assets | 1.5245% | 972 |
| Return on Equity (ROE) | 14.1897% | 799 |
| Retained earnings to average equity (ytd only) | 10.7059% | 844 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1577% | 3,006 |
| Assets per employee ($millions) | 4.9944% | 3,757 |
| Cash dividends to net income (ytd only)* | 24.5516% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 3,121 |
| Loan loss allowance to noncurrent loans | 3,812.6984% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 1,580 |
| Noncurrent loans to loans | 0.0301% | 3,776 |
| Net loans and leases to total assets | 64.8359% | 1,521 |
| Net loans and leases to deposits | 70.5087% | 1,915 |
| Net loans and leases to core deposits | 71.4827% | 2,156 |
| Total domestic deposits to total assets | 91.9545% | 590 |
| Equity capital to assets | 7.6829% | 3,809 |
| Core capital (leverage) ratio | 8.4117% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2415% | 1,706 |
| Memoranda: | ||
| Average total assets | $321,416,000 | 2,391 |
| Average earning assets | $302,145,500 | 2,378 |
| Average equity | $25,145,000 | 2,761 |
| Average total loans | $205,840,500 | 2,190 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 1,288 |
| Cost of funding earning assets | 0.1192% | 4,229 |
| Net interest margin | 3.9125% | 835 |
| Noninterest income to average assets | 0.9352% | 1,125 |
| Noninterest expense to average assets | 2.9026% | 1,147 |
| Loan and lease loss provision to assets | 0.0525% | 2,008 |
| Net operating income to assets | 1.2410% | 1,771 |
| Return on assets (ROA) | 1.2410% | 1,829 |
| Pretax return on assets | 1.6418% | 1,303 |
| Return on Equity (ROE) | 15.5454% | 834 |
| Retained earnings to average equity (ytd only) | 12.3039% | 501 |
| Net charge-offs to loans | 0.0016% | 2,601 |
| Credit loss provision to net charge-offs | 5,400.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 1,741.6667% | 83 |
| Efficiency ratio | 63.1419% | 2,691 |
| Assets per employee ($millions) | 5.0498% | 3,688 |
| Cash dividends to net income (ytd only)* | 20.8518% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 3,123 |
| Loan loss allowance to noncurrent loans | 3,231.9444% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 1,700 |
| Noncurrent loans to loans | 0.0356% | 3,822 |
| Net loans and leases to total assets | 61.7931% | 1,969 |
| Net loans and leases to deposits | 67.3027% | 2,378 |
| Net loans and leases to core deposits | 68.2977% | 2,621 |
| Total domestic deposits to total assets | 91.8137% | 234 |
| Equity capital to assets | 7.9619% | 4,384 |
| Core capital (leverage) ratio | 7.9342% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3333% | 1,729 |
| Memoranda: | ||
| Average total assets | $308,377,400 | 2,398 |
| Average earning assets | $288,613,200 | 2,386 |
| Average equity | $24,618,200 | 2,875 |
| Average total loans | $190,784,600 | 2,301 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0805% | 1,351 |
| Cost of funding earning assets | 0.1232% | 4,321 |
| Net interest margin | 3.9573% | 853 |
| Noninterest income to average assets | 0.9190% | 1,219 |
| Noninterest expense to average assets | 2.8707% | 1,190 |
| Loan and lease loss provision to assets | 0.0473% | 2,052 |
| Net operating income to assets | 1.2910% | 1,850 |
| Return on assets (ROA) | 1.2910% | 1,908 |
| Pretax return on assets | 1.6988% | 1,407 |
| Return on Equity (ROE) | 16.1597% | 914 |
| Retained earnings to average equity (ytd only) | 12.9990% | 643 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1801% | 2,665 |
| Assets per employee ($millions) | 5.4607% | 3,237 |
| Cash dividends to net income (ytd only)* | 19.5593% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,093 |
| Loan loss allowance to noncurrent loans | 2,809.8765% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 1,949 |
| Noncurrent loans to loans | 0.0419% | 3,908 |
| Net loans and leases to total assets | 56.4555% | 2,677 |
| Net loans and leases to deposits | 61.2484% | 3,118 |
| Net loans and leases to core deposits | 62.1067% | 3,311 |
| Total domestic deposits to total assets | 92.1746% | 93 |
| Equity capital to assets | 7.4854% | 4,712 |
| Core capital (leverage) ratio | 8.2179% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4927% | 1,799 |
| Memoranda: | ||
| Average total assets | $304,674,750 | 2,442 |
| Average earning assets | $284,695,750 | 2,428 |
| Average equity | $24,339,750 | 2,920 |
| Average total loans | $187,972,000 | 2,352 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 997 |
| Cost of funding earning assets | 0.1325% | 4,332 |
| Net interest margin | 4.1749% | 611 |
| Noninterest income to average assets | 0.9462% | 1,165 |
| Noninterest expense to average assets | 2.9368% | 1,089 |
| Loan and lease loss provision to assets | 0.0368% | 2,257 |
| Net operating income to assets | 1.3955% | 1,578 |
| Return on assets (ROA) | 1.3955% | 1,649 |
| Pretax return on assets | 1.8597% | 1,099 |
| Return on Equity (ROE) | 17.0545% | 772 |
| Retained earnings to average equity (ytd only) | 14.2552% | 510 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7616% | 2,901 |
| Assets per employee ($millions) | 5.0687% | 3,596 |
| Cash dividends to net income (ytd only)* | 16.4143% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 3,125 |
| Loan loss allowance to noncurrent loans | 996.4126% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 1,628 |
| Noncurrent loans to loans | 0.1167% | 3,607 |
| Net loans and leases to total assets | 62.1250% | 2,166 |
| Net loans and leases to deposits | 67.8782% | 2,629 |
| Net loans and leases to core deposits | 68.9445% | 2,871 |
| Total domestic deposits to total assets | 91.5242% | 224 |
| Equity capital to assets | 8.1562% | 4,451 |
| Core capital (leverage) ratio | 8.3387% | 4,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5740% | 1,779 |
| Memoranda: | ||
| Average total assets | $293,377,667 | 2,482 |
| Average earning assets | $273,154,000 | 2,490 |
| Average equity | $24,005,333 | 2,937 |
| Average total loans | $186,157,667 | 2,384 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 881 |
| Cost of funding earning assets | 0.1407% | 4,378 |
| Net interest margin | 4.2826% | 530 |
| Noninterest income to average assets | 0.7861% | 1,619 |
| Noninterest expense to average assets | 2.9347% | 1,101 |
| Loan and lease loss provision to assets | 0.0750% | 1,686 |
| Net operating income to assets | 1.2889% | 1,862 |
| Return on assets (ROA) | 1.2889% | 1,932 |
| Pretax return on assets | 1.7500% | 1,394 |
| Return on Equity (ROE) | 15.7251% | 1,074 |
| Retained earnings to average equity (ytd only) | 12.3869% | 1,055 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6574% | 2,813 |
| Assets per employee ($millions) | 4.8429% | 3,810 |
| Cash dividends to net income (ytd only)* | 21.2284% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,965 |
| Loan loss allowance to noncurrent loans | 933.6134% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.5345% | 1,773 |
| Noncurrent loans to loans | 0.1279% | 3,668 |
| Net loans and leases to total assets | 62.2357% | 2,263 |
| Net loans and leases to deposits | 68.0478% | 2,700 |
| Net loans and leases to core deposits | 68.9906% | 2,967 |
| Total domestic deposits to total assets | 91.4588% | 251 |
| Equity capital to assets | 8.1171% | 4,420 |
| Core capital (leverage) ratio | 8.4607% | 4,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2609% | 1,827 |
| Memoranda: | ||
| Average total assets | $288,004,500 | 2,498 |
| Average earning assets | $267,221,500 | 2,506 |
| Average equity | $23,605,500 | 2,957 |
| Average total loans | $183,657,000 | 2,414 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7432% | 823 |
| Cost of funding earning assets | 0.3257% | 4,001 |
| Net interest margin | 4.4175% | 386 |
| Noninterest income to average assets | 0.8945% | 1,280 |
| Noninterest expense to average assets | 3.2941% | 916 |
| Loan and lease loss provision to assets | 0.2185% | 1,792 |
| Net operating income to assets | 1.0665% | 2,045 |
| Return on assets (ROA) | 1.0665% | 2,183 |
| Pretax return on assets | 1.4510% | 1,505 |
| Return on Equity (ROE) | 12.7515% | 1,107 |
| Retained earnings to average equity (ytd only) | 10.3777% | 517 |
| Net charge-offs to loans | 0.0236% | 2,572 |
| Credit loss provision to net charge-offs | 1,307.3171% | 638 |
| Earnings coverage of net charge-offs (x) | 99.8780% | 785 |
| Efficiency ratio | 66.3655% | 2,474 |
| Assets per employee ($millions) | 4.8378% | 3,565 |
| Cash dividends to net income (ytd only)* | 18.6162% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,977 |
| Loan loss allowance to noncurrent loans | 830.2682% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 1,845 |
| Noncurrent loans to loans | 0.1440% | 3,711 |
| Net loans and leases to total assets | 63.8187% | 2,386 |
| Net loans and leases to deposits | 69.8098% | 2,898 |
| Net loans and leases to core deposits | 70.7565% | 3,201 |
| Total domestic deposits to total assets | 91.4179% | 145 |
| Equity capital to assets | 8.2795% | 4,583 |
| Core capital (leverage) ratio | 8.7153% | 3,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8306% | 1,909 |
| Memoranda: | ||
| Average total assets | $245,285,400 | 2,609 |
| Average earning assets | $225,943,000 | 2,629 |
| Average equity | $20,515,200 | 3,140 |
| Average total loans | $173,542,200 | 2,460 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9945% | 612 |
| Cost of funding earning assets | 0.3761% | 3,929 |
| Net interest margin | 4.6184% | 297 |
| Noninterest income to average assets | 0.8114% | 1,450 |
| Noninterest expense to average assets | 3.3832% | 815 |
| Loan and lease loss provision to assets | 0.2719% | 1,488 |
| Net operating income to assets | 1.0296% | 2,220 |
| Return on assets (ROA) | 1.0296% | 2,354 |
| Pretax return on assets | 1.4080% | 1,705 |
| Return on Equity (ROE) | 12.2737% | 1,305 |
| Retained earnings to average equity (ytd only) | 9.9278% | 781 |
| Net charge-offs to loans | 0.0319% | 2,194 |
| Credit loss provision to net charge-offs | 1,175.6098% | 745 |
| Earnings coverage of net charge-offs (x) | 72.6585% | 969 |
| Efficiency ratio | 66.8226% | 2,343 |
| Assets per employee ($millions) | 4.7945% | 3,492 |
| Cash dividends to net income (ytd only)* | 19.1128% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 3,080 |
| Loan loss allowance to noncurrent loans | 782.9630% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 1,900 |
| Noncurrent loans to loans | 0.1435% | 3,811 |
| Net loans and leases to total assets | 70.5449% | 1,871 |
| Net loans and leases to deposits | 76.9772% | 2,656 |
| Net loans and leases to core deposits | 78.0102% | 3,009 |
| Total domestic deposits to total assets | 91.6439% | 88 |
| Equity capital to assets | 7.8305% | 4,768 |
| Core capital (leverage) ratio | 7.9574% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1008% | 2,574 |
| Memoranda: | ||
| Average total assets | $236,458,000 | 2,659 |
| Average earning assets | $217,675,000 | 2,673 |
| Average equity | $19,836,000 | 3,201 |
| Average total loans | $171,618,000 | 2,473 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 365 |
| Cost of funding earning assets | 0.4427% | 3,828 |
| Net interest margin | 5.0084% | 204 |
| Noninterest income to average assets | 0.8119% | 1,402 |
| Noninterest expense to average assets | 3.4674% | 775 |
| Loan and lease loss provision to assets | 0.3765% | 1,105 |
| Net operating income to assets | 1.1197% | 1,901 |
| Return on assets (ROA) | 1.1197% | 2,021 |
| Pretax return on assets | 1.5754% | 1,277 |
| Return on Equity (ROE) | 13.0130% | 1,094 |
| Retained earnings to average equity (ytd only) | 10.4779% | 696 |
| Net charge-offs to loans | 0.0409% | 1,920 |
| Credit loss provision to net charge-offs | 1,258.8235% | 679 |
| Earnings coverage of net charge-offs (x) | 65.2647% | 915 |
| Efficiency ratio | 63.9831% | 2,828 |
| Assets per employee ($millions) | 4.5902% | 3,664 |
| Cash dividends to net income (ytd only)* | 19.4815% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1676% | 2,686 |
| Loan loss allowance to noncurrent loans | 640.2477% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 1,884 |
| Noncurrent loans to loans | 0.1824% | 3,723 |
| Net loans and leases to total assets | 68.0979% | 2,337 |
| Net loans and leases to deposits | 74.3814% | 3,039 |
| Net loans and leases to core deposits | 75.4861% | 3,331 |
| Total domestic deposits to total assets | 91.5523% | 81 |
| Equity capital to assets | 7.8626% | 4,780 |
| Core capital (leverage) ratio | 8.3028% | 4,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2012% | 2,523 |
| Memoranda: | ||
| Average total assets | $227,377,333 | 2,701 |
| Average earning assets | $209,167,667 | 2,719 |
| Average equity | $19,565,000 | 3,218 |
| Average total loans | $166,110,333 | 2,508 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 702 |
| Cost of funding earning assets | 0.5407% | 3,737 |
| Net interest margin | 4.6238% | 391 |
| Noninterest income to average assets | 0.8620% | 1,144 |
| Noninterest expense to average assets | 3.7301% | 685 |
| Loan and lease loss provision to assets | 0.1016% | 2,415 |
| Net operating income to assets | 0.9316% | 2,410 |
| Return on assets (ROA) | 0.9316% | 2,519 |
| Pretax return on assets | 1.2628% | 1,984 |
| Return on Equity (ROE) | 10.2900% | 1,646 |
| Retained earnings to average equity (ytd only) | 7.6915% | 1,320 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2176% | 1,915 |
| Assets per employee ($millions) | 3.9607% | 3,972 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 3,394 |
| Loan loss allowance to noncurrent loans | 407.5472% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 1,670 |
| Noncurrent loans to loans | 0.2608% | 3,559 |
| Net loans and leases to total assets | 73.8434% | 1,631 |
| Net loans and leases to deposits | 81.5124% | 2,523 |
| Net loans and leases to core deposits | 82.7332% | 2,958 |
| Total domestic deposits to total assets | 90.5916% | 170 |
| Equity capital to assets | 8.9319% | 4,639 |
| Core capital (leverage) ratio | 8.9850% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3517% | 2,550 |
| Memoranda: | ||
| Average total assets | $212,540,000 | 2,770 |
| Average earning assets | $194,558,000 | 2,789 |
| Average equity | $19,242,000 | 3,249 |
| Average total loans | $160,608,000 | 2,536 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 805 |
| Cost of funding earning assets | 0.7102% | 3,115 |
| Net interest margin | 4.5998% | 573 |
| Noninterest income to average assets | 0.7347% | 1,686 |
| Noninterest expense to average assets | 3.4185% | 1,080 |
| Loan and lease loss provision to assets | 0.0689% | 2,633 |
| Net operating income to assets | 1.1112% | 2,396 |
| Return on assets (ROA) | 1.1105% | 2,491 |
| Pretax return on assets | 1.4623% | 1,926 |
| Return on Equity (ROE) | 13.0312% | 1,158 |
| Retained earnings to average equity (ytd only) | 10.2228% | 452 |
| Net charge-offs to loans | 0.0320% | 2,752 |
| Credit loss provision to net charge-offs | 293.8776% | 960 |
| Earnings coverage of net charge-offs (x) | 65.3265% | 930 |
| Efficiency ratio | 69.0515% | 2,310 |
| Assets per employee ($millions) | 3.5731% | 4,405 |
| Cash dividends to net income (ytd only)* | 21.5517% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,193 |
| Loan loss allowance to noncurrent loans | 378.5068% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 1.3501% | 796 |
| Noncurrent loans to loans | 0.2786% | 3,444 |
| Net loans and leases to total assets | 75.7356% | 1,459 |
| Net loans and leases to deposits | 85.2332% | 2,184 |
| Net loans and leases to core deposits | 86.5950% | 2,743 |
| Total domestic deposits to total assets | 88.8570% | 722 |
| Equity capital to assets | 9.1811% | 4,584 |
| Core capital (leverage) ratio | 9.0491% | 4,489 |
| Tier 1 risk-based capital ratio | 12.0227% | 4,354 |
| Total risk-based capital ratio | 13.0881% | 4,327 |
| Memoranda: | ||
| Average total assets | $208,921,000 | 2,768 |
| Average earning assets | $191,484,800 | 2,784 |
| Average equity | $17,803,400 | 3,357 |
| Average total loans | $152,994,600 | 2,588 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2775% | 905 |
| Cost of funding earning assets | 0.7347% | 3,040 |
| Net interest margin | 4.5428% | 697 |
| Noninterest income to average assets | 0.6872% | 1,840 |
| Noninterest expense to average assets | 3.3253% | 1,215 |
| Loan and lease loss provision to assets | 0.0688% | 2,501 |
| Net operating income to assets | 1.0673% | 2,706 |
| Return on assets (ROA) | 1.0668% | 2,791 |
| Pretax return on assets | 1.4591% | 2,080 |
| Return on Equity (ROE) | 12.7634% | 1,365 |
| Retained earnings to average equity (ytd only) | 9.9059% | 775 |
| Net charge-offs to loans | 0.0431% | 2,236 |
| Credit loss provision to net charge-offs | 220.4082% | 1,218 |
| Earnings coverage of net charge-offs (x) | 48.9809% | 1,215 |
| Efficiency ratio | 68.5081% | 2,337 |
| Assets per employee ($millions) | 3.8390% | 4,114 |
| Cash dividends to net income (ytd only)* | 22.3881% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,450 |
| Loan loss allowance to noncurrent loans | 295.4874% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4373% | 792 |
| Noncurrent loans to loans | 0.3458% | 3,295 |
| Net loans and leases to total assets | 73.7567% | 1,862 |
| Net loans and leases to deposits | 84.1658% | 2,435 |
| Net loans and leases to core deposits | 85.3739% | 2,960 |
| Total domestic deposits to total assets | 87.6326% | 1,202 |
| Equity capital to assets | 8.6206% | 4,959 |
| Core capital (leverage) ratio | 8.5017% | 4,945 |
| Tier 1 risk-based capital ratio | 11.4010% | 4,722 |
| Total risk-based capital ratio | 12.4182% | 4,724 |
| Memoranda: | ||
| Average total assets | $209,340,750 | 2,785 |
| Average earning assets | $192,004,000 | 2,798 |
| Average equity | $17,497,500 | 3,416 |
| Average total loans | $151,586,000 | 2,632 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2165% | 950 |
| Cost of funding earning assets | 0.7242% | 3,018 |
| Net interest margin | 4.4923% | 783 |
| Noninterest income to average assets | 0.6093% | 2,102 |
| Noninterest expense to average assets | 3.3269% | 1,234 |
| Loan and lease loss provision to assets | 0.0694% | 2,433 |
| Net operating income to assets | 0.9667% | 3,039 |
| Return on assets (ROA) | 0.9660% | 3,113 |
| Pretax return on assets | 1.3323% | 2,435 |
| Return on Equity (ROE) | 11.6835% | 1,700 |
| Retained earnings to average equity (ytd only) | 8.7685% | 1,104 |
| Net charge-offs to loans | 0.0659% | 1,712 |
| Credit loss provision to net charge-offs | 146.9388% | 1,518 |
| Earnings coverage of net charge-offs (x) | 29.6939% | 1,473 |
| Efficiency ratio | 70.3424% | 2,170 |
| Assets per employee ($millions) | 3.9152% | 3,979 |
| Cash dividends to net income (ytd only)* | 24.9501% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,328 |
| Loan loss allowance to noncurrent loans | 227.7383% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 822 |
| Noncurrent loans to loans | 0.4614% | 2,898 |
| Net loans and leases to total assets | 70.0146% | 2,527 |
| Net loans and leases to deposits | 76.6744% | 3,273 |
| Net loans and leases to core deposits | 77.9594% | 3,582 |
| Total domestic deposits to total assets | 91.3141% | 74 |
| Equity capital to assets | 8.3297% | 5,107 |
| Core capital (leverage) ratio | 8.5505% | 4,944 |
| Tier 1 risk-based capital ratio | 11.3710% | 4,755 |
| Total risk-based capital ratio | 12.3937% | 4,751 |
| Memoranda: | ||
| Average total assets | $207,459,670 | 2,809 |
| Average earning assets | $190,280,000 | 2,827 |
| Average equity | $17,152,330 | 3,448 |
| Average total loans | $148,714,000 | 2,669 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2483% | 826 |
| Cost of funding earning assets | 0.7127% | 2,989 |
| Net interest margin | 4.5357% | 693 |
| Noninterest income to average assets | 0.3950% | 3,211 |
| Noninterest expense to average assets | 3.2960% | 1,290 |
| Loan and lease loss provision to assets | 0.0708% | 2,243 |
| Net operating income to assets | 0.8310% | 3,514 |
| Return on assets (ROA) | 0.8294% | 3,557 |
| Pretax return on assets | 1.1792% | 2,877 |
| Return on Equity (ROE) | 10.0716% | 2,339 |
| Retained earnings to average equity (ytd only) | 4.1050% | 3,276 |
| Net charge-offs to loans | 0.1334% | 941 |
| Credit loss provision to net charge-offs | 73.4694% | 1,826 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,850 |
| Efficiency ratio | 72.4719% | 1,964 |
| Assets per employee ($millions) | 4.1822% | 3,652 |
| Cash dividends to net income (ytd only)* | 59.2417% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,379 |
| Loan loss allowance to noncurrent loans | 274.3860% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 1.4874% | 809 |
| Noncurrent loans to loans | 0.3847% | 3,206 |
| Net loans and leases to total assets | 71.5336% | 2,245 |
| Net loans and leases to deposits | 78.5825% | 2,997 |
| Net loans and leases to core deposits | 79.8469% | 3,386 |
| Total domestic deposits to total assets | 91.0299% | 167 |
| Equity capital to assets | 8.2752% | 5,094 |
| Core capital (leverage) ratio | 8.3726% | 5,076 |
| Tier 1 risk-based capital ratio | 11.3631% | 4,802 |
| Total risk-based capital ratio | 12.3959% | 4,826 |
| Memoranda: | ||
| Average total assets | $203,520,500 | 2,865 |
| Average earning assets | $186,345,000 | 2,893 |
| Average equity | $16,760,000 | 3,501 |
| Average total loans | $146,886,500 | 2,723 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9454% | 1,168 |
| Cost of funding earning assets | 0.5267% | 3,198 |
| Net interest margin | 4.4187% | 897 |
| Noninterest income to average assets | 0.6349% | 2,128 |
| Noninterest expense to average assets | 3.2700% | 1,394 |
| Loan and lease loss provision to assets | 0.1150% | 1,916 |
| Net operating income to assets | 1.0340% | 2,865 |
| Return on assets (ROA) | 1.0332% | 2,855 |
| Pretax return on assets | 1.2984% | 2,507 |
| Return on Equity (ROE) | 13.0640% | 1,319 |
| Retained earnings to average equity (ytd only) | 8.9358% | 887 |
| Net charge-offs to loans | 0.0007% | 3,758 |
| Credit loss provision to net charge-offs | 22,900.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 2,816.0000% | 29 |
| Efficiency ratio | 69.8048% | 2,217 |
| Assets per employee ($millions) | 4.1248% | 3,711 |
| Cash dividends to net income (ytd only)* | 31.5994% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,202 |
| Loan loss allowance to noncurrent loans | 245.4121% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 1.5531% | 745 |
| Noncurrent loans to loans | 0.4416% | 2,957 |
| Net loans and leases to total assets | 71.2664% | 2,384 |
| Net loans and leases to deposits | 77.8254% | 3,185 |
| Net loans and leases to core deposits | 78.8966% | 3,509 |
| Total domestic deposits to total assets | 91.5721% | 105 |
| Equity capital to assets | 8.1943% | 5,086 |
| Core capital (leverage) ratio | 8.2875% | 5,125 |
| Tier 1 risk-based capital ratio | 11.1344% | 4,903 |
| Total risk-based capital ratio | 12.1651% | 4,901 |
| Memoranda: | ||
| Average total assets | $199,085,600 | 2,880 |
| Average earning assets | $182,451,800 | 2,891 |
| Average equity | $15,745,600 | 3,542 |
| Average total loans | $137,732,200 | 2,795 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 1,378 |
| Cost of funding earning assets | 0.4856% | 3,286 |
| Net interest margin | 4.3334% | 1,046 |
| Noninterest income to average assets | 0.6454% | 2,097 |
| Noninterest expense to average assets | 3.2847% | 1,331 |
| Loan and lease loss provision to assets | 0.0726% | 2,505 |
| Net operating income to assets | 1.0131% | 3,030 |
| Return on assets (ROA) | 1.0131% | 3,039 |
| Pretax return on assets | 1.2592% | 2,778 |
| Return on Equity (ROE) | 12.9285% | 1,458 |
| Retained earnings to average equity (ytd only) | 7.9956% | 1,660 |
| Net charge-offs to loans | 0.0079% | 3,132 |
| Credit loss provision to net charge-offs | 1,350.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 247.5417% | 372 |
| Efficiency ratio | 71.1519% | 2,014 |
| Assets per employee ($millions) | 4.2776% | 3,466 |
| Cash dividends to net income (ytd only)* | 38.1555% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,738 |
| Loan loss allowance to noncurrent loans | 230.1587% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 1.4914% | 857 |
| Noncurrent loans to loans | 0.4357% | 3,095 |
| Net loans and leases to total assets | 68.2891% | 2,892 |
| Net loans and leases to deposits | 74.2399% | 3,573 |
| Net loans and leases to core deposits | 74.9211% | 3,885 |
| Total domestic deposits to total assets | 91.9844% | 83 |
| Equity capital to assets | 7.6120% | 5,285 |
| Core capital (leverage) ratio | 8.0630% | 5,305 |
| Tier 1 risk-based capital ratio | 10.9531% | 5,057 |
| Total risk-based capital ratio | 11.9115% | 5,098 |
| Memoranda: | ||
| Average total assets | $198,328,250 | 2,906 |
| Average earning assets | $181,747,750 | 2,926 |
| Average equity | $15,541,500 | 3,591 |
| Average total loans | $135,760,750 | 2,835 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 1,458 |
| Cost of funding earning assets | 0.4526% | 3,337 |
| Net interest margin | 4.2661% | 1,118 |
| Noninterest income to average assets | 0.6466% | 2,108 |
| Noninterest expense to average assets | 3.2657% | 1,399 |
| Loan and lease loss provision to assets | 0.0740% | 2,409 |
| Net operating income to assets | 0.9940% | 3,051 |
| Return on assets (ROA) | 0.9940% | 3,047 |
| Pretax return on assets | 1.2119% | 2,901 |
| Return on Equity (ROE) | 12.5554% | 1,522 |
| Retained earnings to average equity (ytd only) | 5.0897% | 3,025 |
| Net charge-offs to loans | -0.0422% | 4,860 |
| Credit loss provision to net charge-offs | -257.1429% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7480% | 2,045 |
| Assets per employee ($millions) | 4.2123% | 3,562 |
| Cash dividends to net income (ytd only)* | 59.4623% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,461 |
| Loan loss allowance to noncurrent loans | 193.8503% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5717% | 822 |
| Noncurrent loans to loans | 0.5495% | 2,764 |
| Net loans and leases to total assets | 65.2421% | 3,247 |
| Net loans and leases to deposits | 70.8592% | 3,791 |
| Net loans and leases to core deposits | 71.5167% | 4,042 |
| Total domestic deposits to total assets | 92.0729% | 84 |
| Equity capital to assets | 7.5168% | 5,372 |
| Core capital (leverage) ratio | 8.2036% | 5,259 |
| Tier 1 risk-based capital ratio | 10.5875% | 5,233 |
| Total risk-based capital ratio | 11.5451% | 5,260 |
| Memoranda: | ||
| Average total assets | $194,570,000 | 2,954 |
| Average earning assets | $178,100,670 | 2,981 |
| Average equity | $15,403,670 | 3,628 |
| Average total loans | $132,819,000 | 2,877 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6450% | 1,450 |
| Cost of funding earning assets | 0.4153% | 3,479 |
| Net interest margin | 4.2297% | 1,104 |
| Noninterest income to average assets | 0.6363% | 2,094 |
| Noninterest expense to average assets | 3.3956% | 1,171 |
| Loan and lease loss provision to assets | 0.0764% | 2,236 |
| Net operating income to assets | 1.0371% | 2,701 |
| Return on assets (ROA) | 1.0371% | 2,718 |
| Pretax return on assets | 1.0308% | 3,426 |
| Return on Equity (ROE) | 12.7443% | 1,336 |
| Retained earnings to average equity (ytd only) | 7.5319% | 2,033 |
| Net charge-offs to loans | -0.0488% | 4,957 |
| Credit loss provision to net charge-offs | -225.0000% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4122% | 1,690 |
| Assets per employee ($millions) | 4.3297% | 3,430 |
| Cash dividends to net income (ytd only)* | 40.8998% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,714 |
| Loan loss allowance to noncurrent loans | 208.9419% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 1.7669% | 697 |
| Noncurrent loans to loans | 0.4987% | 3,022 |
| Net loans and leases to total assets | 69.8868% | 2,504 |
| Net loans and leases to deposits | 76.2709% | 3,182 |
| Net loans and leases to core deposits | 78.6503% | 3,438 |
| Total domestic deposits to total assets | 91.6297% | 167 |
| Equity capital to assets | 8.1115% | 5,226 |
| Core capital (leverage) ratio | 8.6417% | 5,028 |
| Tier 1 risk-based capital ratio | 10.6198% | 5,311 |
| Total risk-based capital ratio | 11.5545% | 5,337 |
| Memoranda: | ||
| Average total assets | $188,595,000 | 3,050 |
| Average earning assets | $172,399,500 | 3,066 |
| Average equity | $15,348,000 | 3,664 |
| Average total loans | $131,172,000 | 2,919 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4724% | 1,807 |
| Cost of funding earning assets | 0.2587% | 4,494 |
| Net interest margin | 4.2137% | 1,162 |
| Noninterest income to average assets | 0.6111% | 2,399 |
| Noninterest expense to average assets | 3.3224% | 1,331 |
| Loan and lease loss provision to assets | 0.0329% | 3,602 |
| Net operating income to assets | 1.0921% | 1,881 |
| Return on assets (ROA) | 1.0921% | 1,901 |
| Pretax return on assets | 1.0921% | 3,222 |
| Return on Equity (ROE) | 13.5476% | 842 |
| Retained earnings to average equity (ytd only) | 9.0521% | 498 |
| Net charge-offs to loans | -0.0017% | 4,523 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7037% | 1,797 |
| Assets per employee ($millions) | 4.0583% | 3,871 |
| Cash dividends to net income (ytd only)* | 33.1825% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0563% | 3,582 |
| Loan loss allowance to noncurrent loans | 198.5294% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.8850% | 629 |
| Noncurrent loans to loans | 0.5321% | 2,907 |
| Net loans and leases to total assets | 67.7366% | 2,861 |
| Net loans and leases to deposits | 76.6450% | 3,265 |
| Net loans and leases to core deposits | 79.2877% | 3,471 |
| Total domestic deposits to total assets | 88.3770% | 1,312 |
| Equity capital to assets | 8.1652% | 5,321 |
| Core capital (leverage) ratio | 8.6771% | 4,972 |
| Tier 1 risk-based capital ratio | 10.8779% | 5,215 |
| Total risk-based capital ratio | 11.8168% | 5,250 |
| Memoranda: | ||
| Average total assets | $182,126,800 | 3,090 |
| Average earning assets | $165,816,800 | 3,131 |
| Average equity | $14,681,600 | 3,760 |
| Average total loans | $118,617,800 | 3,075 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,935 |
| Cost of funding earning assets | 0.2421% | 4,646 |
| Net interest margin | 4.1672% | 1,236 |
| Noninterest income to average assets | 0.5930% | 2,514 |
| Noninterest expense to average assets | 3.3674% | 1,206 |
| Loan and lease loss provision to assets | 0.0332% | 3,461 |
| Net operating income to assets | 0.9842% | 2,621 |
| Return on assets (ROA) | 0.9842% | 2,682 |
| Pretax return on assets | 0.9842% | 3,747 |
| Return on Equity (ROE) | 12.2499% | 1,258 |
| Retained earnings to average equity (ytd only) | 7.3444% | 1,521 |
| Net charge-offs to loans | -0.0023% | 4,335 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7977% | 1,485 |
| Assets per employee ($millions) | 4.3046% | 3,462 |
| Cash dividends to net income (ytd only)* | 40.0451% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 3,383 |
| Loan loss allowance to noncurrent loans | 210.5678% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.8763% | 721 |
| Noncurrent loans to loans | 0.5319% | 3,103 |
| Net loans and leases to total assets | 63.6755% | 3,456 |
| Net loans and leases to deposits | 69.5203% | 3,999 |
| Net loans and leases to core deposits | 71.2807% | 4,166 |
| Total domestic deposits to total assets | 91.5926% | 92 |
| Equity capital to assets | 8.0919% | 5,490 |
| Core capital (leverage) ratio | 8.4763% | 5,261 |
| Tier 1 risk-based capital ratio | 11.2924% | 5,081 |
| Total risk-based capital ratio | 12.2900% | 5,112 |
| Memoranda: | ||
| Average total assets | $180,988,000 | 3,128 |
| Average earning assets | $164,677,250 | 3,174 |
| Average equity | $14,541,250 | 3,816 |
| Average total loans | $116,321,750 | 3,129 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 1,754 |
| Cost of funding earning assets | 0.2230% | 4,774 |
| Net interest margin | 4.1974% | 1,078 |
| Noninterest income to average assets | 0.6202% | 2,374 |
| Noninterest expense to average assets | 3.4462% | 1,084 |
| Loan and lease loss provision to assets | 0.0334% | 3,324 |
| Net operating income to assets | 0.9542% | 2,637 |
| Return on assets (ROA) | 0.9542% | 2,696 |
| Pretax return on assets | 0.9542% | 3,752 |
| Return on Equity (ROE) | 11.9064% | 1,329 |
| Retained earnings to average equity (ytd only) | 6.5575% | 1,813 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7248% | 1,502 |
| Assets per employee ($millions) | 3.9738% | 3,997 |
| Cash dividends to net income (ytd only)* | 44.9242% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 3,256 |
| Loan loss allowance to noncurrent loans | 202.1472% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 2.1429% | 567 |
| Noncurrent loans to loans | 0.5731% | 3,007 |
| Net loans and leases to total assets | 62.8795% | 3,522 |
| Net loans and leases to deposits | 68.7208% | 4,013 |
| Net loans and leases to core deposits | 71.5163% | 4,123 |
| Total domestic deposits to total assets | 91.5000% | 133 |
| Equity capital to assets | 8.2372% | 5,428 |
| Core capital (leverage) ratio | 8.2939% | 5,363 |
| Tier 1 risk-based capital ratio | 11.2725% | 5,105 |
| Total risk-based capital ratio | 12.2775% | 5,134 |
| Memoranda: | ||
| Average total assets | $179,618,000 | 3,157 |
| Average earning assets | $163,197,330 | 3,194 |
| Average equity | $14,395,670 | 3,839 |
| Average total loans | $115,363,330 | 3,153 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 1,860 |
| Cost of funding earning assets | 0.2126% | 4,861 |
| Net interest margin | 4.1245% | 1,160 |
| Noninterest income to average assets | 0.4777% | 3,138 |
| Noninterest expense to average assets | 3.3042% | 1,382 |
| Loan and lease loss provision to assets | 0.0333% | 3,120 |
| Net operating income to assets | 0.8910% | 2,809 |
| Return on assets (ROA) | 0.8910% | 2,853 |
| Pretax return on assets | 0.8910% | 3,805 |
| Return on Equity (ROE) | 11.2731% | 1,475 |
| Retained earnings to average equity (ytd only) | 11.2731% | 564 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1398% | 1,609 |
| Assets per employee ($millions) | 4.0762% | 3,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,605 |
| Loan loss allowance to noncurrent loans | 194.7683% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 2.0984% | 614 |
| Noncurrent loans to loans | 0.5737% | 3,085 |
| Net loans and leases to total assets | 62.8659% | 3,416 |
| Net loans and leases to deposits | 68.4740% | 3,947 |
| Net loans and leases to core deposits | 73.8041% | 3,852 |
| Total domestic deposits to total assets | 91.8098% | 127 |
| Equity capital to assets | 7.8887% | 5,571 |
| Core capital (leverage) ratio | 8.1802% | 5,465 |
| Tier 1 risk-based capital ratio | 11.1913% | 5,210 |
| Total risk-based capital ratio | 12.1825% | 5,264 |
| Memoranda: | ||
| Average total assets | $180,015,500 | 3,187 |
| Average earning assets | $163,706,500 | 3,220 |
| Average equity | $14,228,500 | 3,886 |
| Average total loans | $116,164,500 | 3,167 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 1,261 |
| Cost of funding earning assets | 0.3217% | 3,826 |
| Net interest margin | 4.2866% | 951 |
| Noninterest income to average assets | 0.2973% | 4,613 |
| Noninterest expense to average assets | 3.0894% | 2,072 |
| Loan and lease loss provision to assets | 0.0711% | 2,939 |
| Net operating income to assets | 0.9962% | 2,366 |
| Return on assets (ROA) | 1.0442% | 2,270 |
| Pretax return on assets | 1.0442% | 3,317 |
| Return on Equity (ROE) | 12.9118% | 1,012 |
| Retained earnings to average equity (ytd only) | 10.1288% | 391 |
| Net charge-offs to loans | 0.0967% | 2,329 |
| Credit loss provision to net charge-offs | 108.1081% | 2,423 |
| Earnings coverage of net charge-offs (x) | 16.2342% | 2,132 |
| Efficiency ratio | 74.3232% | 2,250 |
| Assets per employee ($millions) | 4.2049% | 3,612 |
| Cash dividends to net income (ytd only)* | 21.5542% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 3,632 |
| Loan loss allowance to noncurrent loans | 186.1272% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 2.1919% | 599 |
| Noncurrent loans to loans | 0.5980% | 3,059 |
| Net loans and leases to total assets | 64.7919% | 3,246 |
| Net loans and leases to deposits | 70.5622% | 3,850 |
| Net loans and leases to core deposits | 76.9233% | 3,666 |
| Total domestic deposits to total assets | 91.8224% | 126 |
| Equity capital to assets | 7.9200% | 5,596 |
| Core capital (leverage) ratio | 8.3307% | 5,416 |
| Tier 1 risk-based capital ratio | 11.1887% | 5,229 |
| Total risk-based capital ratio | 12.1958% | 5,263 |
| Memoranda: | ||
| Average total assets | $168,837,000 | 3,299 |
| Average earning assets | $152,009,200 | 3,345 |
| Average equity | $13,654,200 | 3,999 |
| Average total loans | $114,734,600 | 3,147 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 1,236 |
| Cost of funding earning assets | 0.3613% | 3,420 |
| Net interest margin | 4.2676% | 991 |
| Noninterest income to average assets | 0.3092% | 4,560 |
| Noninterest expense to average assets | 2.9734% | 2,387 |
| Loan and lease loss provision to assets | 0.0719% | 2,775 |
| Net operating income to assets | 1.0945% | 2,025 |
| Return on assets (ROA) | 1.1576% | 1,879 |
| Pretax return on assets | 1.1576% | 3,012 |
| Return on Equity (ROE) | 14.2359% | 776 |
| Retained earnings to average equity (ytd only) | 10.5025% | 487 |
| Net charge-offs to loans | 0.1223% | 1,733 |
| Credit loss provision to net charge-offs | 85.7143% | 2,591 |
| Earnings coverage of net charge-offs (x) | 13.9044% | 2,269 |
| Efficiency ratio | 71.8255% | 2,599 |
| Assets per employee ($millions) | 4.0385% | 3,901 |
| Cash dividends to net income (ytd only)* | 26.2248% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 3,809 |
| Loan loss allowance to noncurrent loans | 345.3552% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 2.6542% | 491 |
| Noncurrent loans to loans | 0.3198% | 4,106 |
| Net loans and leases to total assets | 66.7329% | 2,997 |
| Net loans and leases to deposits | 73.0977% | 3,688 |
| Net loans and leases to core deposits | 79.8852% | 3,456 |
| Total domestic deposits to total assets | 91.2928% | 143 |
| Equity capital to assets | 8.3564% | 5,603 |
| Core capital (leverage) ratio | 8.2453% | 5,544 |
| Tier 1 risk-based capital ratio | 11.0855% | 5,324 |
| Total risk-based capital ratio | 12.0866% | 5,369 |
| Memoranda: | ||
| Average total assets | $166,895,250 | 3,336 |
| Average earning assets | $149,808,500 | 3,389 |
| Average equity | $13,571,000 | 4,047 |
| Average total loans | $114,490,000 | 3,160 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 1,238 |
| Cost of funding earning assets | 0.3015% | 4,111 |
| Net interest margin | 4.3143% | 895 |
| Noninterest income to average assets | 0.2988% | 4,648 |
| Noninterest expense to average assets | 2.9400% | 2,548 |
| Loan and lease loss provision to assets | 0.0723% | 2,689 |
| Net operating income to assets | 1.1483% | 1,778 |
| Return on assets (ROA) | 1.1880% | 1,743 |
| Pretax return on assets | 1.1880% | 2,828 |
| Return on Equity (ROE) | 14.7494% | 713 |
| Retained earnings to average equity (ytd only) | 9.0651% | 832 |
| Net charge-offs to loans | 0.1834% | 1,245 |
| Credit loss provision to net charge-offs | 57.1429% | 2,603 |
| Earnings coverage of net charge-offs (x) | 9.6476% | 2,399 |
| Efficiency ratio | 70.6632% | 2,882 |
| Assets per employee ($millions) | 4.4086% | 3,202 |
| Cash dividends to net income (ytd only)* | 38.5396% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 4,360 |
| Loan loss allowance to noncurrent loans | 334.4173% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 2.5547% | 534 |
| Noncurrent loans to loans | 0.3074% | 4,267 |
| Net loans and leases to total assets | 67.3778% | 2,885 |
| Net loans and leases to deposits | 74.7571% | 3,504 |
| Net loans and leases to core deposits | 81.5053% | 3,323 |
| Total domestic deposits to total assets | 90.1289% | 438 |
| Equity capital to assets | 7.8234% | 5,858 |
| Core capital (leverage) ratio | 8.1145% | 5,658 |
| Tier 1 risk-based capital ratio | 10.3148% | 5,756 |
| Total risk-based capital ratio | 11.2553% | 5,799 |
| Memoranda: | ||
| Average total assets | $165,987,670 | 3,368 |
| Average earning assets | $148,576,000 | 3,424 |
| Average equity | $13,370,000 | 4,095 |
| Average total loans | $114,501,670 | 3,172 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 995 |
| Cost of funding earning assets | 0.3110% | 4,049 |
| Net interest margin | 4.4155% | 712 |
| Noninterest income to average assets | 0.2587% | 4,880 |
| Noninterest expense to average assets | 3.0496% | 2,243 |
| Loan and lease loss provision to assets | 0.0746% | 2,469 |
| Net operating income to assets | 1.0547% | 2,068 |
| Return on assets (ROA) | 1.0845% | 2,068 |
| Pretax return on assets | 1.0845% | 3,151 |
| Return on Equity (ROE) | 13.2553% | 981 |
| Retained earnings to average equity (ytd only) | 7.7829% | 1,549 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9762% | 2,644 |
| Assets per employee ($millions) | 4.2513% | 3,491 |
| Cash dividends to net income (ytd only)* | 41.2844% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 3,819 |
| Loan loss allowance to noncurrent loans | 462.5442% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 2.6610% | 531 |
| Noncurrent loans to loans | 0.2470% | 4,545 |
| Net loans and leases to total assets | 68.3046% | 2,610 |
| Net loans and leases to deposits | 76.0949% | 3,211 |
| Net loans and leases to core deposits | 83.4739% | 2,987 |
| Total domestic deposits to total assets | 89.7624% | 702 |
| Equity capital to assets | 8.0356% | 5,812 |
| Core capital (leverage) ratio | 8.0899% | 5,728 |
| Tier 1 risk-based capital ratio | 10.4461% | 5,775 |
| Total risk-based capital ratio | 11.4834% | 5,779 |
| Memoranda: | ||
| Average total assets | $160,810,000 | 3,435 |
| Average earning assets | $142,768,500 | 3,514 |
| Average equity | $13,157,000 | 4,140 |
| Average total loans | $111,727,500 | 3,215 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8288% | 878 |
| Cost of funding earning assets | 0.3408% | 3,788 |
| Net interest margin | 4.4881% | 674 |
| Noninterest income to average assets | 3.2571% | 186 |
| Noninterest expense to average assets | 4.1845% | 549 |
| Loan and lease loss provision to assets | 0.2168% | 955 |
| Net operating income to assets | 2.7134% | 118 |
| Return on assets (ROA) | 2.7507% | 112 |
| Pretax return on assets | 2.7507% | 148 |
| Return on Equity (ROE) | 31.3031% | 49 |
| Retained earnings to average equity (ytd only) | 1.3970% | 4,927 |
| Net charge-offs to loans | 0.3273% | 913 |
| Credit loss provision to net charge-offs | 98.4848% | 2,581 |
| Earnings coverage of net charge-offs (x) | 13.3091% | 2,380 |
| Efficiency ratio | 58.8147% | 5,046 |
| Assets per employee ($millions) | 4.1005% | 3,760 |
| Cash dividends to net income (ytd only)* | 95.5372% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 3,618 |
| Loan loss allowance to noncurrent loans | 438.0137% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 2.8937% | 466 |
| Noncurrent loans to loans | 0.2681% | 4,484 |
| Net loans and leases to total assets | 69.0656% | 2,532 |
| Net loans and leases to deposits | 77.2640% | 3,134 |
| Net loans and leases to core deposits | 85.5489% | 2,825 |
| Total domestic deposits to total assets | 89.3890% | 915 |
| Equity capital to assets | 8.3372% | 5,677 |
| Core capital (leverage) ratio | 8.5523% | 5,374 |
| Tier 1 risk-based capital ratio | 10.7154% | 5,663 |
| Total risk-based capital ratio | 11.7756% | 5,682 |
| Memoranda: | ||
| Average total assets | $149,888,200 | 3,573 |
| Average earning assets | $128,830,800 | 3,725 |
| Average equity | $13,171,200 | 4,105 |
| Average total loans | $100,834,800 | 3,371 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 1,046 |
| Cost of funding earning assets | 0.3368% | 3,903 |
| Net interest margin | 4.3965% | 803 |
| Noninterest income to average assets | 1.9864% | 364 |
| Noninterest expense to average assets | 4.2693% | 504 |
| Loan and lease loss provision to assets | 0.2111% | 924 |
| Net operating income to assets | 1.3297% | 1,265 |
| Return on assets (ROA) | 1.3360% | 1,302 |
| Pretax return on assets | 1.3360% | 2,261 |
| Return on Equity (ROE) | 15.0014% | 727 |
| Retained earnings to average equity (ytd only) | 5.1753% | 2,791 |
| Net charge-offs to loans | 0.3602% | 727 |
| Credit loss provision to net charge-offs | 88.0150% | 2,496 |
| Earnings coverage of net charge-offs (x) | 6.4232% | 3,054 |
| Efficiency ratio | 73.4807% | 2,643 |
| Assets per employee ($millions) | 3.2303% | 5,242 |
| Cash dividends to net income (ytd only)* | 65.5007% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 3,952 |
| Loan loss allowance to noncurrent loans | 102.9605% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 3.0265% | 497 |
| Noncurrent loans to loans | 1.1133% | 2,273 |
| Net loans and leases to total assets | 71.1181% | 2,215 |
| Net loans and leases to deposits | 85.4354% | 2,214 |
| Net loans and leases to core deposits | 95.8525% | 1,904 |
| Total domestic deposits to total assets | 83.2419% | 3,720 |
| Equity capital to assets | 8.8833% | 5,412 |
| Core capital (leverage) ratio | 8.7850% | 5,248 |
| Tier 1 risk-based capital ratio | 11.1001% | 5,611 |
| Total risk-based capital ratio | 12.1494% | 5,626 |
| Memoranda: | ||
| Average total assets | $148,405,250 | 3,623 |
| Average earning assets | $129,068,750 | 3,753 |
| Average equity | $13,216,250 | 4,137 |
| Average total loans | $98,819,250 | 3,435 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5676% | 1,353 |
| Cost of funding earning assets | 0.3338% | 4,001 |
| Net interest margin | 4.2338% | 1,042 |
| Noninterest income to average assets | 2.0385% | 362 |
| Noninterest expense to average assets | 4.1856% | 556 |
| Loan and lease loss provision to assets | 0.1630% | 1,302 |
| Net operating income to assets | 1.3595% | 1,167 |
| Return on assets (ROA) | 1.3595% | 1,211 |
| Pretax return on assets | 1.3595% | 2,148 |
| Return on Equity (ROE) | 15.2522% | 705 |
| Retained earnings to average equity (ytd only) | 4.2054% | 3,357 |
| Net charge-offs to loans | 0.7236% | 314 |
| Credit loss provision to net charge-offs | 34.7826% | 2,875 |
| Earnings coverage of net charge-offs (x) | 3.2493% | 3,215 |
| Efficiency ratio | 73.3286% | 2,778 |
| Assets per employee ($millions) | 3.1664% | 5,390 |
| Cash dividends to net income (ytd only)* | 72.4276% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 4,663 |
| Loan loss allowance to noncurrent loans | 81.6500% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 3.2468% | 474 |
| Noncurrent loans to loans | 1.2734% | 2,116 |
| Net loans and leases to total assets | 67.7272% | 2,684 |
| Net loans and leases to deposits | 81.1185% | 2,654 |
| Net loans and leases to core deposits | 90.2605% | 2,321 |
| Total domestic deposits to total assets | 83.4917% | 3,761 |
| Equity capital to assets | 8.8435% | 5,393 |
| Core capital (leverage) ratio | 8.8711% | 5,128 |
| Tier 1 risk-based capital ratio | 11.4646% | 5,487 |
| Total risk-based capital ratio | 12.3980% | 5,565 |
| Memoranda: | ||
| Average total assets | $147,265,330 | 3,670 |
| Average earning assets | $127,639,000 | 3,812 |
| Average equity | $13,126,000 | 4,184 |
| Average total loans | $95,350,000 | 3,527 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 1,739 |
| Cost of funding earning assets | 0.3303% | 4,091 |
| Net interest margin | 4.0773% | 1,337 |
| Noninterest income to average assets | 1.8295% | 408 |
| Noninterest expense to average assets | 3.9812% | 710 |
| Loan and lease loss provision to assets | 0.0819% | 2,334 |
| Net operating income to assets | 1.3052% | 1,255 |
| Return on assets (ROA) | 1.3052% | 1,343 |
| Pretax return on assets | 1.3052% | 2,263 |
| Return on Equity (ROE) | 14.5860% | 774 |
| Retained earnings to average equity (ytd only) | 11.5345% | 637 |
| Net charge-offs to loans | -0.0043% | 4,463 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1607% | 2,792 |
| Assets per employee ($millions) | 3.2865% | 5,259 |
| Cash dividends to net income (ytd only)* | 20.9205% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 3,078 |
| Loan loss allowance to noncurrent loans | 78.1343% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 3.5282% | 465 |
| Noncurrent loans to loans | 1.7474% | 1,560 |
| Net loans and leases to total assets | 64.2332% | 3,062 |
| Net loans and leases to deposits | 72.8443% | 3,452 |
| Net loans and leases to core deposits | 80.9657% | 3,061 |
| Total domestic deposits to total assets | 88.1787% | 1,719 |
| Equity capital to assets | 9.0348% | 5,249 |
| Core capital (leverage) ratio | 8.9713% | 4,982 |
| Tier 1 risk-based capital ratio | 12.1980% | 5,109 |
| Total risk-based capital ratio | 13.4204% | 5,040 |
| Memoranda: | ||
| Average total assets | $146,487,000 | 3,705 |
| Average earning assets | $127,141,500 | 3,843 |
| Average equity | $13,108,500 | 4,217 |
| Average total loans | $92,099,000 | 3,609 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 1,805 |
| Cost of funding earning assets | 0.3761% | 3,958 |
| Net interest margin | 4.1384% | 1,467 |
| Noninterest income to average assets | 1.7017% | 441 |
| Noninterest expense to average assets | 4.0106% | 747 |
| Loan and lease loss provision to assets | 0.0449% | 3,678 |
| Net operating income to assets | 1.2630% | 1,392 |
| Return on assets (ROA) | 1.2982% | 1,361 |
| Pretax return on assets | 1.2982% | 2,248 |
| Return on Equity (ROE) | 14.2210% | 896 |
| Retained earnings to average equity (ytd only) | 9.7923% | 551 |
| Net charge-offs to loans | 0.1886% | 2,165 |
| Credit loss provision to net charge-offs | 37.5000% | 3,723 |
| Earnings coverage of net charge-offs (x) | 10.9188% | 2,567 |
| Efficiency ratio | 75.4082% | 2,613 |
| Assets per employee ($millions) | 3.2973% | 5,262 |
| Cash dividends to net income (ytd only)* | 31.1419% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 2,640 |
| Loan loss allowance to noncurrent loans | 161.5094% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 2.9749% | 683 |
| Noncurrent loans to loans | 0.9046% | 3,058 |
| Net loans and leases to total assets | 59.6926% | 3,828 |
| Net loans and leases to deposits | 67.5581% | 4,166 |
| Net loans and leases to core deposits | 75.3998% | 3,776 |
| Total domestic deposits to total assets | 88.3575% | 1,593 |
| Equity capital to assets | 8.8606% | 5,420 |
| Core capital (leverage) ratio | 9.0203% | 4,967 |
| Tier 1 risk-based capital ratio | 13.2640% | 4,557 |
| Total risk-based capital ratio | 14.5139% | 4,482 |
| Memoranda: | ||
| Average total assets | $133,570,600 | 3,908 |
| Average earning assets | $116,735,600 | 4,031 |
| Average equity | $12,193,200 | 4,322 |
| Average total loans | $84,819,200 | 3,745 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5742% | 1,628 |
| Cost of funding earning assets | 0.3844% | 3,965 |
| Net interest margin | 4.1898% | 1,314 |
| Noninterest income to average assets | 1.6925% | 457 |
| Noninterest expense to average assets | 4.0368% | 727 |
| Loan and lease loss provision to assets | 0.0306% | 3,798 |
| Net operating income to assets | 1.2946% | 1,383 |
| Return on assets (ROA) | 1.3048% | 1,415 |
| Pretax return on assets | 1.3048% | 2,356 |
| Return on Equity (ROE) | 14.1780% | 954 |
| Retained earnings to average equity (ytd only) | 8.1920% | 1,271 |
| Net charge-offs to loans | 0.2554% | 1,518 |
| Credit loss provision to net charge-offs | 18.6335% | 3,592 |
| Earnings coverage of net charge-offs (x) | 8.0684% | 2,858 |
| Efficiency ratio | 75.2854% | 2,621 |
| Assets per employee ($millions) | 3.2874% | 5,264 |
| Cash dividends to net income (ytd only)* | 42.2204% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 2,994 |
| Loan loss allowance to noncurrent loans | 153.1785% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 3.4656% | 624 |
| Noncurrent loans to loans | 0.9401% | 3,212 |
| Net loans and leases to total assets | 62.1151% | 3,469 |
| Net loans and leases to deposits | 70.5665% | 3,851 |
| Net loans and leases to core deposits | 79.5848% | 3,365 |
| Total domestic deposits to total assets | 88.0236% | 1,755 |
| Equity capital to assets | 8.9918% | 5,362 |
| Core capital (leverage) ratio | 9.1617% | 4,832 |
| Tier 1 risk-based capital ratio | 13.2605% | 4,690 |
| Total risk-based capital ratio | 14.5122% | 4,627 |
| Memoranda: | ||
| Average total assets | $130,693,250 | 3,991 |
| Average earning assets | $114,465,500 | 4,121 |
| Average equity | $12,027,750 | 4,379 |
| Average total loans | $84,052,500 | 3,796 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 1,785 |
| Cost of funding earning assets | 0.3870% | 4,033 |
| Net interest margin | 4.1287% | 1,431 |
| Noninterest income to average assets | 1.7328% | 428 |
| Noninterest expense to average assets | 4.0847% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2758% | 1,374 |
| Return on assets (ROA) | 1.2914% | 1,390 |
| Pretax return on assets | 1.2914% | 2,284 |
| Return on Equity (ROE) | 13.9175% | 972 |
| Retained earnings to average equity (ytd only) | 8.2026% | 1,246 |
| Net charge-offs to loans | 0.3925% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.0184% | 3,000 |
| Efficiency ratio | 76.2002% | 2,594 |
| Assets per employee ($millions) | 3.3215% | 5,221 |
| Cash dividends to net income (ytd only)* | 41.0628% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 3,254 |
| Loan loss allowance to noncurrent loans | 155.1461% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 3.6625% | 621 |
| Noncurrent loans to loans | 0.9145% | 3,436 |
| Net loans and leases to total assets | 63.8574% | 3,091 |
| Net loans and leases to deposits | 72.8918% | 3,462 |
| Net loans and leases to core deposits | 81.8826% | 2,985 |
| Total domestic deposits to total assets | 87.6058% | 2,142 |
| Equity capital to assets | 9.1367% | 5,171 |
| Core capital (leverage) ratio | 9.2865% | 4,610 |
| Tier 1 risk-based capital ratio | 13.1000% | 4,852 |
| Total risk-based capital ratio | 14.3504% | 4,782 |
| Memoranda: | ||
| Average total assets | $128,234,000 | 4,070 |
| Average earning assets | $112,675,000 | 4,170 |
| Average equity | $11,898,670 | 4,417 |
| Average total loans | $83,064,670 | 3,830 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 2,133 |
| Cost of funding earning assets | 0.3944% | 4,039 |
| Net interest margin | 4.0060% | 1,738 |
| Noninterest income to average assets | 1.6264% | 466 |
| Noninterest expense to average assets | 4.0787% | 695 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0642% | 1,953 |
| Return on assets (ROA) | 1.0927% | 1,908 |
| Pretax return on assets | 1.0927% | 2,941 |
| Return on Equity (ROE) | 11.6823% | 1,501 |
| Retained earnings to average equity (ytd only) | 11.6823% | 653 |
| Net charge-offs to loans | -0.0049% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3082% | 2,300 |
| Assets per employee ($millions) | 3.3982% | 5,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 2,507 |
| Loan loss allowance to noncurrent loans | 237.9725% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 3.9680% | 604 |
| Noncurrent loans to loans | 0.6939% | 4,137 |
| Net loans and leases to total assets | 65.6046% | 2,624 |
| Net loans and leases to deposits | 75.3648% | 2,892 |
| Net loans and leases to core deposits | 84.2399% | 2,488 |
| Total domestic deposits to total assets | 87.0494% | 2,777 |
| Equity capital to assets | 9.5012% | 4,497 |
| Core capital (leverage) ratio | 9.3378% | 4,515 |
| Tier 1 risk-based capital ratio | 13.4011% | 4,768 |
| Total risk-based capital ratio | 14.6551% | 4,694 |
| Memoranda: | ||
| Average total assets | $125,921,000 | 4,142 |
| Average earning assets | $110,534,000 | 4,261 |
| Average equity | $11,778,500 | 4,454 |
| Average total loans | $81,566,000 | 3,896 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6586% | 1,693 |
| Cost of funding earning assets | 0.4839% | 3,776 |
| Net interest margin | 4.1747% | 1,433 |
| Noninterest income to average assets | 1.4956% | 631 |
| Noninterest expense to average assets | 4.5240% | 520 |
| Loan and lease loss provision to assets | 0.2543% | 1,417 |
| Net operating income to assets | 0.3086% | 5,493 |
| Return on assets (ROA) | 0.3680% | 5,381 |
| Pretax return on assets | 0.3680% | 5,565 |
| Return on Equity (ROE) | 3.8475% | 5,180 |
| Retained earnings to average equity (ytd only) | 2.9610% | 4,137 |
| Net charge-offs to loans | 0.2534% | 2,454 |
| Credit loss provision to net charge-offs | 157.0681% | 1,467 |
| Earnings coverage of net charge-offs (x) | 3.4764% | 3,840 |
| Efficiency ratio | 88.9333% | 1,114 |
| Assets per employee ($millions) | 3.4084% | 5,063 |
| Cash dividends to net income (ytd only)* | 23.0415% | 3,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 2,251 |
| Loan loss allowance to noncurrent loans | 146.7656% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 3.9109% | 687 |
| Noncurrent loans to loans | 1.1897% | 3,161 |
| Net loans and leases to total assets | 61.7532% | 3,398 |
| Net loans and leases to deposits | 70.5990% | 3,715 |
| Net loans and leases to core deposits | 78.4228% | 3,307 |
| Total domestic deposits to total assets | 87.4705% | 2,486 |
| Equity capital to assets | 9.2070% | 4,796 |
| Core capital (leverage) ratio | 9.2557% | 4,625 |
| Tier 1 risk-based capital ratio | 14.0658% | 4,257 |
| Total risk-based capital ratio | 15.3214% | 4,194 |
| Memoranda: | ||
| Average total assets | $117,948,200 | 4,318 |
| Average earning assets | $101,468,000 | 4,473 |
| Average equity | $11,280,000 | 4,582 |
| Average total loans | $75,362,800 | 4,081 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7287% | 1,524 |
| Cost of funding earning assets | 0.5017% | 3,753 |
| Net interest margin | 4.2270% | 1,256 |
| Noninterest income to average assets | 1.4908% | 665 |
| Noninterest expense to average assets | 4.4057% | 571 |
| Loan and lease loss provision to assets | 0.2588% | 1,370 |
| Net operating income to assets | 0.4314% | 5,106 |
| Return on assets (ROA) | 0.5119% | 4,904 |
| Pretax return on assets | 0.5119% | 5,322 |
| Return on Equity (ROE) | 5.2988% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.1081% | 3,762 |
| Net charge-offs to loans | 0.3459% | 1,817 |
| Credit loss provision to net charge-offs | 116.5803% | 2,021 |
| Earnings coverage of net charge-offs (x) | 3.1088% | 3,798 |
| Efficiency ratio | 86.4560% | 1,325 |
| Assets per employee ($millions) | 3.2014% | 5,492 |
| Cash dividends to net income (ytd only)* | 22.4719% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7467% | 2,467 |
| Loan loss allowance to noncurrent loans | 136.8586% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 4.9969% | 555 |
| Noncurrent loans to loans | 1.2763% | 3,274 |
| Net loans and leases to total assets | 60.4324% | 3,629 |
| Net loans and leases to deposits | 69.2621% | 3,895 |
| Net loans and leases to core deposits | 77.0995% | 3,485 |
| Total domestic deposits to total assets | 87.2517% | 2,534 |
| Equity capital to assets | 9.2894% | 4,816 |
| Core capital (leverage) ratio | 9.7109% | 4,088 |
| Tier 1 risk-based capital ratio | 14.0896% | 4,366 |
| Total risk-based capital ratio | 15.3446% | 4,308 |
| Memoranda: | ||
| Average total assets | $115,907,750 | 4,413 |
| Average earning assets | $98,854,500 | 4,591 |
| Average equity | $11,197,250 | 4,647 |
| Average total loans | $74,388,250 | 4,135 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 1,354 |
| Cost of funding earning assets | 0.5123% | 3,787 |
| Net interest margin | 4.2746% | 1,081 |
| Noninterest income to average assets | 1.4545% | 749 |
| Noninterest expense to average assets | 4.4670% | 544 |
| Loan and lease loss provision to assets | 0.2632% | 1,408 |
| Net operating income to assets | 0.3842% | 5,269 |
| Return on assets (ROA) | 0.4176% | 5,308 |
| Pretax return on assets | 0.4176% | 5,598 |
| Return on Equity (ROE) | 4.2642% | 5,108 |
| Retained earnings to average equity (ytd only) | 2.4725% | 4,731 |
| Net charge-offs to loans | -0.0216% | 5,992 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3413% | 1,292 |
| Assets per employee ($millions) | 3.1319% | 5,615 |
| Cash dividends to net income (ytd only)* | 42.0168% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 2,191 |
| Loan loss allowance to noncurrent loans | 75.9406% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 5.5815% | 516 |
| Noncurrent loans to loans | 2.4647% | 1,891 |
| Net loans and leases to total assets | 64.8306% | 2,790 |
| Net loans and leases to deposits | 74.7875% | 3,040 |
| Net loans and leases to core deposits | 84.0074% | 2,563 |
| Total domestic deposits to total assets | 86.6865% | 3,008 |
| Equity capital to assets | 9.6840% | 4,329 |
| Core capital (leverage) ratio | 9.5924% | 4,092 |
| Tier 1 risk-based capital ratio | 14.2384% | 4,266 |
| Total risk-based capital ratio | 15.4956% | 4,215 |
| Memoranda: | ||
| Average total assets | $113,992,000 | 4,488 |
| Average earning assets | $97,599,330 | 4,657 |
| Average equity | $11,162,670 | 4,688 |
| Average total loans | $74,242,330 | 4,164 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7195% | 1,483 |
| Cost of funding earning assets | 0.5262% | 3,827 |
| Net interest margin | 4.1932% | 1,206 |
| Noninterest income to average assets | 1.3764% | 814 |
| Noninterest expense to average assets | 4.4972% | 536 |
| Loan and lease loss provision to assets | 0.2654% | 1,340 |
| Net operating income to assets | 0.1663% | 5,990 |
| Return on assets (ROA) | 0.1663% | 6,093 |
| Pretax return on assets | 0.1663% | 6,144 |
| Return on Equity (ROE) | 1.6887% | 6,033 |
| Retained earnings to average equity (ytd only) | -1.9042% | 6,068 |
| Net charge-offs to loans | 0.1642% | 2,415 |
| Credit loss provision to net charge-offs | 250.0000% | 920 |
| Earnings coverage of net charge-offs (x) | 4.0667% | 2,622 |
| Efficiency ratio | 91.2419% | 1,049 |
| Assets per employee ($millions) | 3.1944% | 5,643 |
| Cash dividends to net income (ytd only)* | 212.7660% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 2,764 |
| Loan loss allowance to noncurrent loans | 62.1469% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 6.1751% | 510 |
| Noncurrent loans to loans | 2.8362% | 1,788 |
| Net loans and leases to total assets | 65.8023% | 2,408 |
| Net loans and leases to deposits | 76.3061% | 2,590 |
| Net loans and leases to core deposits | 86.5375% | 2,056 |
| Total domestic deposits to total assets | 86.2347% | 3,396 |
| Equity capital to assets | 9.9461% | 4,218 |
| Core capital (leverage) ratio | 9.5809% | 3,957 |
| Tier 1 risk-based capital ratio | 14.0900% | 4,437 |
| Total risk-based capital ratio | 15.3456% | 4,394 |
| Memoranda: | ||
| Average total assets | $113,047,000 | 4,553 |
| Average earning assets | $95,773,000 | 4,743 |
| Average equity | $11,133,000 | 4,747 |
| Average total loans | $73,083,500 | 4,232 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1023% | 1,310 |
| Cost of funding earning assets | 0.6696% | 3,743 |
| Net interest margin | 4.4327% | 1,083 |
| Noninterest income to average assets | 1.3136% | 890 |
| Noninterest expense to average assets | 4.1773% | 792 |
| Loan and lease loss provision to assets | 0.4361% | 1,459 |
| Net operating income to assets | 0.3458% | 5,313 |
| Return on assets (ROA) | 0.4595% | 5,093 |
| Pretax return on assets | 0.4595% | 5,401 |
| Return on Equity (ROE) | 4.6882% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.6882% | 2,916 |
| Net charge-offs to loans | 0.7513% | 1,559 |
| Credit loss provision to net charge-offs | 90.4494% | 3,462 |
| Earnings coverage of net charge-offs (x) | 1.6217% | 4,636 |
| Efficiency ratio | 84.2345% | 1,601 |
| Assets per employee ($millions) | 3.2655% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 2,627 |
| Loan loss allowance to noncurrent loans | 58.1661% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 6.4861% | 510 |
| Noncurrent loans to loans | 3.0753% | 1,689 |
| Net loans and leases to total assets | 61.2498% | 3,379 |
| Net loans and leases to deposits | 70.7981% | 3,590 |
| Net loans and leases to core deposits | 80.4817% | 2,943 |
| Total domestic deposits to total assets | 86.5134% | 3,090 |
| Equity capital to assets | 9.7523% | 4,529 |
| Core capital (leverage) ratio | 9.7037% | 3,797 |
| Tier 1 risk-based capital ratio | 14.7428% | 3,868 |
| Total risk-based capital ratio | 15.9988% | 3,821 |
| Memoranda: | ||
| Average total assets | $110,764,400 | 4,576 |
| Average earning assets | $91,096,200 | 4,839 |
| Average equity | $10,857,000 | 4,790 |
| Average total loans | $71,076,600 | 4,320 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1459% | 1,311 |
| Cost of funding earning assets | 0.7026% | 3,745 |
| Net interest margin | 4.4433% | 1,106 |
| Noninterest income to average assets | 1.2765% | 908 |
| Noninterest expense to average assets | 4.2214% | 704 |
| Loan and lease loss provision to assets | 0.4344% | 1,456 |
| Net operating income to assets | 0.2657% | 5,731 |
| Return on assets (ROA) | 0.3628% | 5,597 |
| Pretax return on assets | 0.3628% | 5,806 |
| Return on Equity (ROE) | 3.6965% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.6965% | 4,287 |
| Net charge-offs to loans | 0.5143% | 2,068 |
| Credit loss provision to net charge-offs | 130.6569% | 2,206 |
| Earnings coverage of net charge-offs (x) | 2.1059% | 4,215 |
| Efficiency ratio | 85.7742% | 1,398 |
| Assets per employee ($millions) | 3.2769% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 2,296 |
| Loan loss allowance to noncurrent loans | 52.3774% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 7.5251% | 443 |
| Noncurrent loans to loans | 3.7393% | 1,425 |
| Net loans and leases to total assets | 63.3511% | 3,147 |
| Net loans and leases to deposits | 73.4113% | 3,383 |
| Net loans and leases to core deposits | 84.3133% | 2,662 |
| Total domestic deposits to total assets | 86.2962% | 3,093 |
| Equity capital to assets | 9.8668% | 4,685 |
| Core capital (leverage) ratio | 9.7947% | 3,824 |
| Tier 1 risk-based capital ratio | 14.3622% | 4,286 |
| Total risk-based capital ratio | 15.6204% | 4,252 |
| Memoranda: | ||
| Average total assets | $109,882,750 | 4,641 |
| Average earning assets | $90,140,250 | 4,909 |
| Average equity | $10,784,750 | 4,852 |
| Average total loans | $71,026,250 | 4,364 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0852% | 1,541 |
| Cost of funding earning assets | 0.7290% | 3,780 |
| Net interest margin | 4.3563% | 1,321 |
| Noninterest income to average assets | 1.2727% | 880 |
| Noninterest expense to average assets | 4.1820% | 747 |
| Loan and lease loss provision to assets | 0.5175% | 1,215 |
| Net operating income to assets | 0.1902% | 5,944 |
| Return on assets (ROA) | 0.2011% | 6,095 |
| Pretax return on assets | 0.2011% | 6,147 |
| Return on Equity (ROE) | 2.0531% | 6,028 |
| Retained earnings to average equity (ytd only) | 2.0531% | 5,172 |
| Net charge-offs to loans | 0.7864% | 1,400 |
| Credit loss provision to net charge-offs | 101.7986% | 2,672 |
| Earnings coverage of net charge-offs (x) | 1.3921% | 4,311 |
| Efficiency ratio | 85.5273% | 1,480 |
| Assets per employee ($millions) | 3.0686% | 5,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 2,443 |
| Loan loss allowance to noncurrent loans | 38.9181% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 8.4050% | 396 |
| Noncurrent loans to loans | 4.9591% | 1,004 |
| Net loans and leases to total assets | 62.9730% | 3,240 |
| Net loans and leases to deposits | 74.0802% | 3,282 |
| Net loans and leases to core deposits | 86.0197% | 2,424 |
| Total domestic deposits to total assets | 85.0065% | 3,856 |
| Equity capital to assets | 10.0466% | 4,264 |
| Core capital (leverage) ratio | 9.6304% | 3,952 |
| Tier 1 risk-based capital ratio | 14.5853% | 4,039 |
| Total risk-based capital ratio | 15.8431% | 4,000 |
| Memoranda: | ||
| Average total assets | $109,372,330 | 4,684 |
| Average earning assets | $90,811,670 | 4,908 |
| Average equity | $10,715,330 | 4,873 |
| Average total loans | $70,704,330 | 4,396 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2922% | 1,110 |
| Cost of funding earning assets | 0.7542% | 3,831 |
| Net interest margin | 4.5380% | 945 |
| Noninterest income to average assets | 1.4317% | 708 |
| Noninterest expense to average assets | 4.0994% | 828 |
| Loan and lease loss provision to assets | 0.6343% | 877 |
| Net operating income to assets | 0.4712% | 4,955 |
| Return on assets (ROA) | 0.4821% | 5,101 |
| Pretax return on assets | 0.4821% | 5,481 |
| Return on Equity (ROE) | 4.9822% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.9822% | 3,568 |
| Net charge-offs to loans | 0.9109% | 1,126 |
| Credit loss provision to net charge-offs | 107.3620% | 2,169 |
| Earnings coverage of net charge-offs (x) | 1.8712% | 3,402 |
| Efficiency ratio | 78.7604% | 2,387 |
| Assets per employee ($millions) | 3.2812% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9012% | 2,669 |
| Loan loss allowance to noncurrent loans | 28.6510% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 9.1870% | 376 |
| Noncurrent loans to loans | 6.6359% | 717 |
| Net loans and leases to total assets | 61.8833% | 3,279 |
| Net loans and leases to deposits | 72.3090% | 3,386 |
| Net loans and leases to core deposits | 83.1140% | 2,668 |
| Total domestic deposits to total assets | 85.5817% | 3,748 |
| Equity capital to assets | 9.6558% | 4,580 |
| Core capital (leverage) ratio | 9.6607% | 3,827 |
| Tier 1 risk-based capital ratio | 13.8946% | 4,535 |
| Total risk-based capital ratio | 15.1508% | 4,515 |
| Memoranda: | ||
| Average total assets | $110,358,500 | 4,698 |
| Average earning assets | $91,758,500 | 4,917 |
| Average equity | $10,678,000 | 4,889 |
| Average total loans | $71,574,500 | 4,394 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 2,323 |
| Cost of funding earning assets | 1.0070% | 3,325 |
| Net interest margin | 4.1246% | 2,330 |
| Noninterest income to average assets | 1.0502% | 1,217 |
| Noninterest expense to average assets | 3.8082% | 1,337 |
| Loan and lease loss provision to assets | 0.5756% | 1,802 |
| Net operating income to assets | 0.2029% | 5,585 |
| Return on assets (ROA) | 0.2850% | 5,462 |
| Pretax return on assets | 0.2850% | 5,600 |
| Return on Equity (ROE) | 2.9138% | 5,322 |
| Retained earnings to average equity (ytd only) | 2.9138% | 4,165 |
| Net charge-offs to loans | 0.6763% | 2,464 |
| Credit loss provision to net charge-offs | 120.3156% | 2,646 |
| Earnings coverage of net charge-offs (x) | 1.6272% | 4,550 |
| Efficiency ratio | 83.0282% | 1,881 |
| Assets per employee ($millions) | 3.4112% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8221% | 2,797 |
| Loan loss allowance to noncurrent loans | 33.2581% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 8.0819% | 497 |
| Noncurrent loans to loans | 5.4786% | 969 |
| Net loans and leases to total assets | 65.4543% | 2,890 |
| Net loans and leases to deposits | 76.6018% | 3,071 |
| Net loans and leases to core deposits | 88.6276% | 2,304 |
| Total domestic deposits to total assets | 85.4476% | 3,621 |
| Equity capital to assets | 9.6961% | 4,602 |
| Core capital (leverage) ratio | 9.8076% | 3,591 |
| Tier 1 risk-based capital ratio | 14.0224% | 4,312 |
| Total risk-based capital ratio | 15.2795% | 4,262 |
| Memoranda: | ||
| Average total assets | $105,980,600 | 4,731 |
| Average earning assets | $90,868,400 | 4,898 |
| Average equity | $10,364,400 | 4,934 |
| Average total loans | $74,971,200 | 4,315 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1331% | 2,460 |
| Cost of funding earning assets | 1.0699% | 3,179 |
| Net interest margin | 4.0632% | 2,630 |
| Noninterest income to average assets | 1.0407% | 1,245 |
| Noninterest expense to average assets | 3.6493% | 1,601 |
| Loan and lease loss provision to assets | 0.6465% | 1,523 |
| Net operating income to assets | 0.2687% | 5,512 |
| Return on assets (ROA) | 0.3790% | 5,272 |
| Pretax return on assets | 0.3790% | 5,528 |
| Return on Equity (ROE) | 3.8669% | 5,055 |
| Retained earnings to average equity (ytd only) | 3.8669% | 3,976 |
| Net charge-offs to loans | 0.4414% | 2,958 |
| Credit loss provision to net charge-offs | 204.0000% | 1,436 |
| Earnings coverage of net charge-offs (x) | 2.8879% | 3,697 |
| Efficiency ratio | 79.9500% | 2,259 |
| Assets per employee ($millions) | 3.1221% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9279% | 2,542 |
| Loan loss allowance to noncurrent loans | 25.5999% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 8.5774% | 481 |
| Noncurrent loans to loans | 7.5308% | 619 |
| Net loans and leases to total assets | 71.0695% | 1,889 |
| Net loans and leases to deposits | 83.5735% | 2,071 |
| Net loans and leases to core deposits | 96.7949% | 1,525 |
| Total domestic deposits to total assets | 85.0383% | 3,754 |
| Equity capital to assets | 9.9773% | 4,376 |
| Core capital (leverage) ratio | 9.8353% | 3,664 |
| Tier 1 risk-based capital ratio | 13.7348% | 4,552 |
| Total risk-based capital ratio | 14.9939% | 4,502 |
| Memoranda: | ||
| Average total assets | $105,186,500 | 4,785 |
| Average earning assets | $91,222,500 | 4,919 |
| Average equity | $10,309,500 | 4,961 |
| Average total loans | $75,520,500 | 4,333 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1160% | 2,603 |
| Cost of funding earning assets | 1.1026% | 3,219 |
| Net interest margin | 4.0135% | 2,775 |
| Noninterest income to average assets | 1.0127% | 1,289 |
| Noninterest expense to average assets | 3.6332% | 1,667 |
| Loan and lease loss provision to assets | 0.8296% | 1,097 |
| Net operating income to assets | 0.0420% | 6,141 |
| Return on assets (ROA) | 0.1373% | 6,011 |
| Pretax return on assets | 0.1373% | 6,041 |
| Return on Equity (ROE) | 1.4096% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.4096% | 5,282 |
| Net charge-offs to loans | 0.1785% | 4,097 |
| Credit loss provision to net charge-offs | 649.2537% | 485 |
| Earnings coverage of net charge-offs (x) | 6.8209% | 2,328 |
| Efficiency ratio | 80.6520% | 2,293 |
| Assets per employee ($millions) | 3.1790% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 2,115 |
| Loan loss allowance to noncurrent loans | 36.2332% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 7.4676% | 647 |
| Noncurrent loans to loans | 5.8041% | 1,052 |
| Net loans and leases to total assets | 70.5994% | 2,092 |
| Net loans and leases to deposits | 82.4636% | 2,376 |
| Net loans and leases to core deposits | 96.0585% | 1,679 |
| Total domestic deposits to total assets | 85.6128% | 3,555 |
| Equity capital to assets | 9.8965% | 4,276 |
| Core capital (leverage) ratio | 9.6656% | 3,712 |
| Tier 1 risk-based capital ratio | 13.5946% | 4,455 |
| Total risk-based capital ratio | 14.8555% | 4,431 |
| Memoranda: | ||
| Average total assets | $104,865,000 | 4,834 |
| Average earning assets | $91,242,670 | 4,957 |
| Average equity | $10,215,670 | 4,989 |
| Average total loans | $75,052,670 | 4,388 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 3,651 |
| Cost of funding earning assets | 1.1860% | 2,908 |
| Net interest margin | 3.7015% | 4,091 |
| Noninterest income to average assets | 0.9500% | 1,470 |
| Noninterest expense to average assets | 3.8419% | 1,267 |
| Loan and lease loss provision to assets | 0.2289% | 3,366 |
| Net operating income to assets | 0.1297% | 6,016 |
| Return on assets (ROA) | 0.1297% | 6,071 |
| Pretax return on assets | 0.1297% | 6,107 |
| Return on Equity (ROE) | 1.3422% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.3422% | 5,289 |
| Net charge-offs to loans | 0.2836% | 2,933 |
| Credit loss provision to net charge-offs | 113.2075% | 2,373 |
| Earnings coverage of net charge-offs (x) | 1.7736% | 3,417 |
| Efficiency ratio | 91.4623% | 1,206 |
| Assets per employee ($millions) | 3.0176% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 3,477 |
| Loan loss allowance to noncurrent loans | 25.9658% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 7.8188% | 618 |
| Noncurrent loans to loans | 6.4020% | 950 |
| Net loans and leases to total assets | 70.9188% | 1,947 |
| Net loans and leases to deposits | 83.4522% | 2,111 |
| Net loans and leases to core deposits | 96.9178% | 1,602 |
| Total domestic deposits to total assets | 84.9813% | 4,038 |
| Equity capital to assets | 9.9017% | 3,899 |
| Core capital (leverage) ratio | 9.5508% | 3,722 |
| Tier 1 risk-based capital ratio | 13.7129% | 4,271 |
| Total risk-based capital ratio | 14.9679% | 4,236 |
| Memoranda: | ||
| Average total assets | $104,844,500 | 4,870 |
| Average earning assets | $92,071,500 | 4,969 |
| Average equity | $10,132,500 | 5,010 |
| Average total loans | $74,752,000 | 4,434 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 4,128 |
| Cost of funding earning assets | 1.4605% | 2,891 |
| Net interest margin | 3.6309% | 4,664 |
| Noninterest income to average assets | 1.0263% | 1,426 |
| Noninterest expense to average assets | 4.0680% | 1,068 |
| Loan and lease loss provision to assets | 0.6970% | 2,350 |
| Net operating income to assets | -0.5607% | 6,424 |
| Return on assets (ROA) | -0.5533% | 6,450 |
| Pretax return on assets | -0.5533% | 6,359 |
| Return on Equity (ROE) | -5.7152% | 6,480 |
| Retained earnings to average equity (ytd only) | -5.7152% | 6,358 |
| Net charge-offs to loans | 0.7425% | 2,796 |
| Credit loss provision to net charge-offs | 128.5714% | 3,109 |
| Earnings coverage of net charge-offs (x) | 0.2513% | 5,858 |
| Efficiency ratio | 96.7599% | 937 |
| Assets per employee ($millions) | 3.3466% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 3,507 |
| Loan loss allowance to noncurrent loans | 29.9828% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 8.2669% | 581 |
| Noncurrent loans to loans | 5.4018% | 1,220 |
| Net loans and leases to total assets | 69.3706% | 2,693 |
| Net loans and leases to deposits | 81.5153% | 2,906 |
| Net loans and leases to core deposits | 93.3560% | 2,335 |
| Total domestic deposits to total assets | 85.1013% | 3,796 |
| Equity capital to assets | 9.4369% | 4,490 |
| Core capital (leverage) ratio | 9.5870% | 3,577 |
| Tier 1 risk-based capital ratio | 12.9998% | 4,596 |
| Total risk-based capital ratio | 14.2534% | 4,562 |
| Memoranda: | ||
| Average total assets | $107,179,000 | 4,798 |
| Average earning assets | $93,805,400 | 4,896 |
| Average equity | $10,375,800 | 5,014 |
| Average total loans | $78,247,000 | 4,385 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1062% | 4,286 |
| Cost of funding earning assets | 1.5185% | 2,856 |
| Net interest margin | 3.5877% | 4,933 |
| Noninterest income to average assets | 0.9863% | 1,500 |
| Noninterest expense to average assets | 3.6193% | 1,746 |
| Loan and lease loss provision to assets | 0.8171% | 1,851 |
| Net operating income to assets | -0.3147% | 6,440 |
| Return on assets (ROA) | -0.3047% | 6,476 |
| Pretax return on assets | -0.3047% | 6,409 |
| Return on Equity (ROE) | -3.1280% | 6,504 |
| Retained earnings to average equity (ytd only) | -3.1280% | 6,367 |
| Net charge-offs to loans | 0.9527% | 2,089 |
| Credit loss provision to net charge-offs | 116.4894% | 3,576 |
| Earnings coverage of net charge-offs (x) | 0.7163% | 5,339 |
| Efficiency ratio | 87.8093% | 1,466 |
| Assets per employee ($millions) | 3.2774% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 3,713 |
| Loan loss allowance to noncurrent loans | 21.6613% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 12.1352% | 265 |
| Noncurrent loans to loans | 7.1789% | 763 |
| Net loans and leases to total assets | 69.4175% | 2,876 |
| Net loans and leases to deposits | 82.3061% | 3,044 |
| Net loans and leases to core deposits | 95.2109% | 2,354 |
| Total domestic deposits to total assets | 84.3407% | 3,942 |
| Equity capital to assets | 10.1042% | 4,011 |
| Core capital (leverage) ratio | 9.8128% | 3,470 |
| Tier 1 risk-based capital ratio | 13.1845% | 4,436 |
| Total risk-based capital ratio | 14.4375% | 4,416 |
| Memoranda: | ||
| Average total assets | $107,201,250 | 4,858 |
| Average earning assets | $93,687,500 | 4,960 |
| Average equity | $10,443,250 | 5,074 |
| Average total loans | $78,930,750 | 4,433 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1024% | 4,442 |
| Cost of funding earning assets | 1.5463% | 2,979 |
| Net interest margin | 3.5561% | 5,025 |
| Noninterest income to average assets | 0.6872% | 2,772 |
| Noninterest expense to average assets | 3.5545% | 1,900 |
| Loan and lease loss provision to assets | 1.0502% | 1,381 |
| Net operating income to assets | -0.7909% | 6,858 |
| Return on assets (ROA) | -0.7761% | 6,867 |
| Pretax return on assets | -0.7761% | 6,773 |
| Return on Equity (ROE) | -8.0639% | 6,894 |
| Retained earnings to average equity (ytd only) | -8.0639% | 6,819 |
| Net charge-offs to loans | 1.0547% | 1,783 |
| Credit loss provision to net charge-offs | 133.4118% | 3,010 |
| Earnings coverage of net charge-offs (x) | 0.3294% | 5,399 |
| Efficiency ratio | 93.2006% | 1,109 |
| Assets per employee ($millions) | 3.4784% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 3,653 |
| Loan loss allowance to noncurrent loans | 19.2951% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 12.0430% | 267 |
| Noncurrent loans to loans | 8.0522% | 645 |
| Net loans and leases to total assets | 70.4553% | 2,803 |
| Net loans and leases to deposits | 83.7554% | 2,914 |
| Net loans and leases to core deposits | 96.6983% | 2,360 |
| Total domestic deposits to total assets | 84.1204% | 4,055 |
| Equity capital to assets | 9.5855% | 4,577 |
| Core capital (leverage) ratio | 9.5631% | 3,726 |
| Tier 1 risk-based capital ratio | 12.6540% | 4,730 |
| Total risk-based capital ratio | 13.9065% | 4,698 |
| Memoranda: | ||
| Average total assets | $107,976,000 | 4,859 |
| Average earning assets | $94,936,330 | 4,960 |
| Average equity | $10,392,000 | 5,089 |
| Average total loans | $80,590,000 | 4,430 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 3,581 |
| Cost of funding earning assets | 1.5615% | 3,193 |
| Net interest margin | 3.7325% | 4,092 |
| Noninterest income to average assets | 0.7034% | 2,576 |
| Noninterest expense to average assets | 3.3874% | 2,270 |
| Loan and lease loss provision to assets | 1.1032% | 1,111 |
| Net operating income to assets | -0.4776% | 6,811 |
| Return on assets (ROA) | -0.4776% | 6,839 |
| Pretax return on assets | -0.4776% | 6,763 |
| Return on Equity (ROE) | -4.9520% | 6,881 |
| Retained earnings to average equity (ytd only) | -4.9520% | 6,587 |
| Net charge-offs to loans | 0.4763% | 2,627 |
| Credit loss provision to net charge-offs | 304.0816% | 1,292 |
| Earnings coverage of net charge-offs (x) | 1.7245% | 3,696 |
| Efficiency ratio | 84.4096% | 1,984 |
| Assets per employee ($millions) | 3.6541% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 3,691 |
| Loan loss allowance to noncurrent loans | 17.9648% | 7,109 |
| Noncurrent assets plus other real estate owned to assets | 10.3709% | 369 |
| Noncurrent loans to loans | 8.5827% | 596 |
| Net loans and leases to total assets | 73.2203% | 2,149 |
| Net loans and leases to deposits | 87.4263% | 2,327 |
| Net loans and leases to core deposits | 101.9730% | 1,910 |
| Total domestic deposits to total assets | 83.7508% | 4,263 |
| Equity capital to assets | 9.6247% | 4,341 |
| Core capital (leverage) ratio | 9.6993% | 3,519 |
| Tier 1 risk-based capital ratio | 12.4923% | 4,764 |
| Total risk-based capital ratio | 13.7457% | 4,706 |
| Memoranda: | ||
| Average total assets | $108,049,000 | 4,924 |
| Average earning assets | $95,807,000 | 4,993 |
| Average equity | $10,420,000 | 5,127 |
| Average total loans | $82,299,500 | 4,432 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5473% | 3,890 |
| Cost of funding earning assets | 2.3092% | 1,614 |
| Net interest margin | 3.2380% | 5,964 |
| Noninterest income to average assets | 0.5444% | 4,076 |
| Noninterest expense to average assets | 3.0757% | 3,853 |
| Loan and lease loss provision to assets | 0.4583% | 4,076 |
| Net operating income to assets | -0.0556% | 5,593 |
| Return on assets (ROA) | 0.0648% | 5,351 |
| Pretax return on assets | 0.0648% | 5,288 |
| Return on Equity (ROE) | 0.7391% | 5,314 |
| Retained earnings to average equity (ytd only) | 0.7391% | 4,490 |
| Net charge-offs to loans | 0.5479% | 3,594 |
| Credit loss provision to net charge-offs | 103.1250% | 5,355 |
| Earnings coverage of net charge-offs (x) | 0.9063% | 5,206 |
| Efficiency ratio | 88.4216% | 1,845 |
| Assets per employee ($millions) | 3.5491% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 4,922 |
| Loan loss allowance to noncurrent loans | 13.6282% | 7,298 |
| Noncurrent assets plus other real estate owned to assets | 10.6524% | 327 |
| Noncurrent loans to loans | 9.3361% | 466 |
| Net loans and leases to total assets | 77.0310% | 1,575 |
| Net loans and leases to deposits | 92.7784% | 1,771 |
| Net loans and leases to core deposits | 126.3273% | 1,486 |
| Total domestic deposits to total assets | 83.0268% | 4,510 |
| Equity capital to assets | 9.6634% | 4,196 |
| Core capital (leverage) ratio | 9.5915% | 3,608 |
| Tier 1 risk-based capital ratio | 12.2960% | 4,689 |
| Total risk-based capital ratio | 13.5401% | 4,659 |
| Memoranda: | ||
| Average total assets | $108,009,200 | 4,878 |
| Average earning assets | $97,868,000 | 4,896 |
| Average equity | $9,471,200 | 5,456 |
| Average total loans | $87,602,000 | 4,279 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7949% | 2,921 |
| Cost of funding earning assets | 2.4828% | 1,357 |
| Net interest margin | 3.3122% | 5,598 |
| Noninterest income to average assets | 0.5707% | 3,917 |
| Noninterest expense to average assets | 3.0665% | 3,781 |
| Loan and lease loss provision to assets | 0.4613% | 3,605 |
| Net operating income to assets | 0.0590% | 5,580 |
| Return on assets (ROA) | 0.1292% | 5,446 |
| Pretax return on assets | 0.1292% | 5,462 |
| Return on Equity (ROE) | 1.5108% | 5,330 |
| Retained earnings to average equity (ytd only) | 1.5108% | 4,468 |
| Net charge-offs to loans | 0.4433% | 3,464 |
| Credit loss provision to net charge-offs | 127.1186% | 3,955 |
| Earnings coverage of net charge-offs (x) | 1.4339% | 4,706 |
| Efficiency ratio | 85.4938% | 2,124 |
| Assets per employee ($millions) | 3.6326% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 4,694 |
| Loan loss allowance to noncurrent loans | 16.9410% | 7,244 |
| Noncurrent assets plus other real estate owned to assets | 8.4108% | 486 |
| Noncurrent loans to loans | 7.4940% | 689 |
| Net loans and leases to total assets | 80.0659% | 1,155 |
| Net loans and leases to deposits | 96.2071% | 1,545 |
| Net loans and leases to core deposits | 140.3445% | 899 |
| Total domestic deposits to total assets | 83.2225% | 4,104 |
| Equity capital to assets | 9.5459% | 4,683 |
| Core capital (leverage) ratio | 9.3091% | 4,175 |
| Tier 1 risk-based capital ratio | 11.4815% | 5,448 |
| Total risk-based capital ratio | 12.7307% | 5,394 |
| Memoranda: | ||
| Average total assets | $108,393,000 | 4,898 |
| Average earning assets | $98,704,250 | 4,901 |
| Average equity | $9,266,750 | 5,568 |
| Average total loans | $88,733,750 | 4,290 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7975% | 3,056 |
| Cost of funding earning assets | 2.6023% | 1,279 |
| Net interest margin | 3.1952% | 5,934 |
| Noninterest income to average assets | 0.5508% | 4,035 |
| Noninterest expense to average assets | 3.0259% | 3,982 |
| Loan and lease loss provision to assets | 0.4251% | 3,419 |
| Net operating income to assets | 0.0185% | 5,784 |
| Return on assets (ROA) | 0.1238% | 5,598 |
| Pretax return on assets | 0.1238% | 5,618 |
| Return on Equity (ROE) | 1.5077% | 5,456 |
| Retained earnings to average equity (ytd only) | 1.5077% | 4,488 |
| Net charge-offs to loans | 0.3827% | 3,288 |
| Credit loss provision to net charge-offs | 135.2941% | 3,442 |
| Earnings coverage of net charge-offs (x) | 1.4118% | 4,469 |
| Efficiency ratio | 87.2136% | 2,107 |
| Assets per employee ($millions) | 3.4511% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 4,716 |
| Loan loss allowance to noncurrent loans | 89.3031% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 3.4444% | 1,809 |
| Noncurrent loans to loans | 1.3821% | 4,452 |
| Net loans and leases to total assets | 82.4263% | 877 |
| Net loans and leases to deposits | 99.8008% | 1,305 |
| Net loans and leases to core deposits | 140.8359% | 978 |
| Total domestic deposits to total assets | 82.5909% | 4,430 |
| Equity capital to assets | 9.4500% | 4,675 |
| Core capital (leverage) ratio | 9.1682% | 4,350 |
| Tier 1 risk-based capital ratio | 11.2415% | 5,653 |
| Total risk-based capital ratio | 12.4752% | 5,579 |
| Memoranda: | ||
| Average total assets | $108,197,670 | 4,934 |
| Average earning assets | $98,836,330 | 4,928 |
| Average equity | $8,888,000 | 5,723 |
| Average total loans | $88,852,670 | 4,307 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6177% | 4,253 |
| Cost of funding earning assets | 2.6507% | 1,408 |
| Net interest margin | 2.9670% | 6,566 |
| Noninterest income to average assets | 0.5184% | 4,151 |
| Noninterest expense to average assets | 3.0146% | 3,700 |
| Loan and lease loss provision to assets | 0.2206% | 4,245 |
| Net operating income to assets | 0.0074% | 6,238 |
| Return on assets (ROA) | 0.2132% | 5,782 |
| Pretax return on assets | 0.2132% | 5,905 |
| Return on Equity (ROE) | 2.8029% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.8029% | 4,320 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9705% | 1,500 |
| Assets per employee ($millions) | 3.5600% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 4,660 |
| Loan loss allowance to noncurrent loans | 36.1905% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 3.6852% | 1,436 |
| Noncurrent loans to loans | 3.3730% | 1,902 |
| Net loans and leases to total assets | 80.8045% | 1,238 |
| Net loans and leases to deposits | 98.5828% | 1,588 |
| Net loans and leases to core deposits | 134.0212% | 1,414 |
| Total domestic deposits to total assets | 81.9661% | 4,563 |
| Equity capital to assets | 8.1951% | 6,542 |
| Core capital (leverage) ratio | 8.1154% | 6,265 |
| Tier 1 risk-based capital ratio | 9.4836% | 7,440 |
| Total risk-based capital ratio | 10.6536% | 7,461 |
| Memoranda: | ||
| Average total assets | $108,804,500 | 4,931 |
| Average earning assets | $99,899,000 | 4,918 |
| Average equity | $8,277,000 | 5,965 |
| Average total loans | $88,636,500 | 4,344 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7780% | 1,758 |
| Cost of funding earning assets | 3.2356% | 1,082 |
| Net interest margin | 3.5424% | 5,134 |
| Noninterest income to average assets | 0.6371% | 3,582 |
| Noninterest expense to average assets | 3.3970% | 2,692 |
| Loan and lease loss provision to assets | 0.5889% | 2,468 |
| Net operating income to assets | -0.1184% | 6,518 |
| Return on assets (ROA) | -0.0995% | 6,348 |
| Pretax return on assets | -0.0995% | 6,269 |
| Return on Equity (ROE) | -1.3546% | 6,411 |
| Retained earnings to average equity (ytd only) | -2.3813% | 5,975 |
| Net charge-offs to loans | 0.1611% | 4,583 |
| Credit loss provision to net charge-offs | 449.6000% | 977 |
| Earnings coverage of net charge-offs (x) | 3.5920% | 4,302 |
| Efficiency ratio | 87.8353% | 1,693 |
| Assets per employee ($millions) | 3.5750% | 4,487 |
| Cash dividends to net income (ytd only)* | -75.7895% | 8,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 4,548 |
| Loan loss allowance to noncurrent loans | 139.8658% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.6476% | 2,947 |
| Noncurrent loans to loans | 0.8564% | 4,910 |
| Net loans and leases to total assets | 80.1436% | 1,632 |
| Net loans and leases to deposits | 98.3557% | 2,076 |
| Net loans and leases to core deposits | 129.8732% | 1,863 |
| Total domestic deposits to total assets | 81.4834% | 4,419 |
| Equity capital to assets | 7.0023% | 7,739 |
| Core capital (leverage) ratio | 7.0710% | 7,641 |
| Tier 1 risk-based capital ratio | 8.0472% | 8,080 |
| Total risk-based capital ratio | 10.2757% | 7,746 |
| Memoranda: | ||
| Average total assets | $95,436,800 | 5,189 |
| Average earning assets | $87,032,200 | 5,186 |
| Average equity | $7,013,000 | 6,449 |
| Average total loans | $77,590,600 | 4,599 |