Home > International Bank of Chicago > Performance and Condition Ratios
International Bank of Chicago, 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 | 5.0830% | 1,895 |
| Cost of funding earning assets | 2.4318% | 424 |
| Net interest margin | 2.6512% | 3,895 |
| Noninterest income to average assets | 0.7400% | 1,086 |
| Noninterest expense to average assets | 1.9060% | 3,824 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.2129% | 1,620 |
| Return on assets (ROA) | 1.2191% | 1,579 |
| Pretax return on assets | 1.2356% | 2,044 |
| Return on Equity (ROE) | 12.7400% | 1,788 |
| Retained earnings to average equity (ytd only) | 6.1027% | 2,205 |
| Net charge-offs to loans | 0.2987% | 362 |
| Credit loss provision to net charge-offs | 80.6090% | 2,019 |
| Earnings coverage of net charge-offs (x) | 6.0363% | 2,500 |
| Efficiency ratio | 57.3260% | 3,362 |
| Assets per employee ($millions) | 7.8933% | 1,494 |
| Cash dividends to net income (ytd only)* | 52.1112% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 834 |
| Loan loss allowance to noncurrent loans | 104.5731% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9058% | 158 |
| Noncurrent loans to loans | 1.5314% | 442 |
| Net loans and leases to total assets | 80.9300% | 541 |
| Net loans and leases to deposits | 103.6021% | 382 |
| Net loans and leases to core deposits | 141.0847% | 272 |
| Total domestic deposits to total assets | 78.1100% | 3,714 |
| Equity capital to assets | 10.1902% | 1,902 |
| Core capital (leverage) ratio | 11.2247% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3612% | 856 |
| Memoranda: | ||
| Average total assets | $949,997,600 | 1,029 |
| Average earning assets | $925,852,200 | 977 |
| Average equity | $90,878,000 | 1,022 |
| Average total loans | $747,575,600 | 908 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 1,814 |
| Cost of funding earning assets | 2.2599% | 447 |
| Net interest margin | 2.7471% | 3,816 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 1.9309% | 3,753 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.3080% | 1,533 |
| Return on assets (ROA) | 1.2935% | 1,549 |
| Pretax return on assets | 1.3073% | 2,022 |
| Return on Equity (ROE) | 13.7400% | 1,722 |
| Retained earnings to average equity (ytd only) | 4.8117% | 2,997 |
| Net charge-offs to loans | 0.0225% | 1,640 |
| Credit loss provision to net charge-offs | 1,080.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 86.3680% | 995 |
| Efficiency ratio | 56.1013% | 3,394 |
| Assets per employee ($millions) | 8.2839% | 1,216 |
| Cash dividends to net income (ytd only)* | 64.9859% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 526 |
| Loan loss allowance to noncurrent loans | 98.8446% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 2.0217% | 137 |
| Noncurrent loans to loans | 1.8661% | 344 |
| Net loans and leases to total assets | 74.4800% | 1,295 |
| Net loans and leases to deposits | 88.4516% | 1,346 |
| Net loans and leases to core deposits | 111.9995% | 798 |
| Total domestic deposits to total assets | 84.2100% | 2,713 |
| Equity capital to assets | 8.8517% | 2,502 |
| Core capital (leverage) ratio | 10.7419% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9628% | 951 |
| Memoranda: | ||
| Average total assets | $952,671,750 | 1,030 |
| Average earning assets | $928,585,000 | 973 |
| Average equity | $89,668,250 | 1,031 |
| Average total loans | $741,341,000 | 915 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 1,644 |
| Cost of funding earning assets | 2.0509% | 441 |
| Net interest margin | 2.9019% | 3,640 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.9449% | 3,727 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.8805% | 2,821 |
| Return on assets (ROA) | 0.8805% | 2,811 |
| Pretax return on assets | 0.8941% | 3,178 |
| Return on Equity (ROE) | 9.1600% | 2,940 |
| Retained earnings to average equity (ytd only) | -3.7607% | 4,376 |
| Net charge-offs to loans | -0.0022% | 3,545 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.1599% | 2,464 |
| Assets per employee ($millions) | 7.7747% | 1,432 |
| Cash dividends to net income (ytd only)* | 141.0580% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 566 |
| Loan loss allowance to noncurrent loans | 89.5741% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 2.1874% | 121 |
| Noncurrent loans to loans | 2.0435% | 268 |
| Net loans and leases to total assets | 78.8200% | 755 |
| Net loans and leases to deposits | 94.6664% | 806 |
| Net loans and leases to core deposits | 121.7241% | 478 |
| Total domestic deposits to total assets | 83.2600% | 2,989 |
| Equity capital to assets | 9.3403% | 2,279 |
| Core capital (leverage) ratio | 10.6868% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6131% | 1,015 |
| Memoranda: | ||
| Average total assets | $936,111,333 | 1,038 |
| Average earning assets | $912,566,333 | 981 |
| Average equity | $89,982,667 | 1,021 |
| Average total loans | $734,914,667 | 908 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 1,452 |
| Cost of funding earning assets | 1.8022% | 450 |
| Net interest margin | 3.0767% | 3,408 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.9316% | 3,786 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.2215% | 1,879 |
| Return on assets (ROA) | 1.2439% | 1,787 |
| Pretax return on assets | 1.2546% | 2,289 |
| Return on Equity (ROE) | 12.7600% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.9012% | 1,487 |
| Net charge-offs to loans | -0.0022% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.5642% | 3,239 |
| Assets per employee ($millions) | 7.7249% | 1,497 |
| Cash dividends to net income (ytd only)* | 14.5748% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 647 |
| Loan loss allowance to noncurrent loans | 87.4258% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 2.3193% | 88 |
| Noncurrent loans to loans | 2.0731% | 264 |
| Net loans and leases to total assets | 78.8000% | 674 |
| Net loans and leases to deposits | 94.4567% | 763 |
| Net loans and leases to core deposits | 121.7050% | 396 |
| Total domestic deposits to total assets | 83.4200% | 3,220 |
| Equity capital to assets | 10.2434% | 1,698 |
| Core capital (leverage) ratio | 11.1935% | 1,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4225% | 923 |
| Memoranda: | ||
| Average total assets | $937,684,500 | 1,052 |
| Average earning assets | $913,315,500 | 996 |
| Average equity | $91,403,000 | 1,019 |
| Average total loans | $727,823,500 | 930 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 1,081 |
| Cost of funding earning assets | 0.7389% | 496 |
| Net interest margin | 3.5451% | 1,800 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.9140% | 3,800 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.6871% | 549 |
| Return on assets (ROA) | 1.6211% | 623 |
| Pretax return on assets | 1.7410% | 838 |
| Return on Equity (ROE) | 15.6800% | 1,107 |
| Retained earnings to average equity (ytd only) | 5.1462% | 2,985 |
| Net charge-offs to loans | 0.1064% | 702 |
| Credit loss provision to net charge-offs | 209.4972% | 1,094 |
| Earnings coverage of net charge-offs (x) | 24.6327% | 1,791 |
| Efficiency ratio | 49.1480% | 4,179 |
| Assets per employee ($millions) | 8.1680% | 1,245 |
| Cash dividends to net income (ytd only)* | 67.1885% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8030% | 659 |
| Loan loss allowance to noncurrent loans | 80.2594% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 2.3076% | 97 |
| Noncurrent loans to loans | 2.2464% | 226 |
| Net loans and leases to total assets | 73.7700% | 1,237 |
| Net loans and leases to deposits | 83.1946% | 1,530 |
| Net loans and leases to core deposits | 101.9915% | 896 |
| Total domestic deposits to total assets | 88.6700% | 1,825 |
| Equity capital to assets | 9.2789% | 2,173 |
| Core capital (leverage) ratio | 11.0184% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1195% | 963 |
| Memoranda: | ||
| Average total assets | $890,591,200 | 1,090 |
| Average earning assets | $866,719,600 | 1,034 |
| Average equity | $92,048,200 | 1,008 |
| Average total loans | $673,039,400 | 939 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 975 |
| Cost of funding earning assets | 0.5169% | 691 |
| Net interest margin | 3.6353% | 1,307 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.9180% | 3,707 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 1.7588% | 462 |
| Return on assets (ROA) | 1.7069% | 510 |
| Pretax return on assets | 1.8347% | 683 |
| Return on Equity (ROE) | 16.0600% | 963 |
| Retained earnings to average equity (ytd only) | 6.4247% | 2,583 |
| Net charge-offs to loans | 0.1454% | 453 |
| Credit loss provision to net charge-offs | 187.5000% | 1,007 |
| Earnings coverage of net charge-offs (x) | 19.0528% | 1,737 |
| Efficiency ratio | 47.7728% | 4,286 |
| Assets per employee ($millions) | 7.5994% | 1,552 |
| Cash dividends to net income (ytd only)* | 59.9982% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 658 |
| Loan loss allowance to noncurrent loans | 86.5374% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 2.3689% | 99 |
| Noncurrent loans to loans | 2.1443% | 272 |
| Net loans and leases to total assets | 77.4000% | 760 |
| Net loans and leases to deposits | 86.9835% | 1,105 |
| Net loans and leases to core deposits | 105.0972% | 610 |
| Total domestic deposits to total assets | 88.9900% | 2,093 |
| Equity capital to assets | 9.9500% | 1,652 |
| Core capital (leverage) ratio | 11.3922% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8895% | 874 |
| Memoranda: | ||
| Average total assets | $872,282,000 | 1,114 |
| Average earning assets | $849,091,000 | 1,063 |
| Average equity | $92,702,000 | 1,017 |
| Average total loans | $660,277,000 | 951 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 966 |
| Cost of funding earning assets | 0.3845% | 1,025 |
| Net interest margin | 3.5940% | 1,078 |
| Noninterest income to average assets | 0.4871% | 2,269 |
| Noninterest expense to average assets | 1.8594% | 3,813 |
| Loan and lease loss provision to assets | 0.2071% | 391 |
| Net operating income to assets | 1.7883% | 348 |
| Return on assets (ROA) | 1.7359% | 388 |
| Pretax return on assets | 1.8638% | 505 |
| Return on Equity (ROE) | 15.9890% | 704 |
| Retained earnings to average equity (ytd only) | 1.7888% | 3,806 |
| Net charge-offs to loans | 0.2232% | 290 |
| Credit loss provision to net charge-offs | 124.3094% | 1,170 |
| Earnings coverage of net charge-offs (x) | 12.7693% | 1,702 |
| Efficiency ratio | 46.6409% | 4,421 |
| Assets per employee ($millions) | 7.5239% | 1,594 |
| Cash dividends to net income (ytd only)* | 88.8123% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 742 |
| Loan loss allowance to noncurrent loans | 91.1334% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 2.2999% | 100 |
| Noncurrent loans to loans | 2.0292% | 322 |
| Net loans and leases to total assets | 75.6934% | 759 |
| Net loans and leases to deposits | 85.1791% | 1,041 |
| Net loans and leases to core deposits | 98.6451% | 736 |
| Total domestic deposits to total assets | 88.8639% | 2,240 |
| Equity capital to assets | 10.0888% | 1,665 |
| Core capital (leverage) ratio | 11.3757% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6651% | 897 |
| Memoranda: | ||
| Average total assets | $869,198,000 | 1,115 |
| Average earning assets | $846,348,333 | 1,067 |
| Average equity | $94,365,000 | 1,004 |
| Average total loans | $648,618,667 | 958 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 936 |
| Cost of funding earning assets | 0.3496% | 1,206 |
| Net interest margin | 3.5422% | 1,001 |
| Noninterest income to average assets | 0.3661% | 2,893 |
| Noninterest expense to average assets | 1.9539% | 3,549 |
| Loan and lease loss provision to assets | 0.2075% | 347 |
| Net operating income to assets | 1.5257% | 598 |
| Return on assets (ROA) | 1.4646% | 681 |
| Pretax return on assets | 1.5914% | 839 |
| Return on Equity (ROE) | 13.0269% | 1,026 |
| Retained earnings to average equity (ytd only) | 13.0269% | 464 |
| Net charge-offs to loans | -0.0031% | 3,203 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1591% | 4,245 |
| Assets per employee ($millions) | 7.4093% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9824% | 635 |
| Loan loss allowance to noncurrent loans | 61.0487% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 2.6766% | 80 |
| Noncurrent loans to loans | 3.2472% | 148 |
| Net loans and leases to total assets | 74.4899% | 623 |
| Net loans and leases to deposits | 86.1965% | 721 |
| Net loans and leases to core deposits | 98.5555% | 557 |
| Total domestic deposits to total assets | 86.4186% | 3,132 |
| Equity capital to assets | 11.3056% | 1,188 |
| Core capital (leverage) ratio | 11.7168% | 1,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9374% | 764 |
| Memoranda: | ||
| Average total assets | $867,411,000 | 1,119 |
| Average earning assets | $845,588,000 | 1,076 |
| Average equity | $97,521,500 | 1,004 |
| Average total loans | $636,389,000 | 966 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4261% | 681 |
| Cost of funding earning assets | 0.4964% | 953 |
| Net interest margin | 3.9297% | 811 |
| Noninterest income to average assets | 0.7426% | 1,617 |
| Noninterest expense to average assets | 2.0806% | 3,437 |
| Loan and lease loss provision to assets | 0.2218% | 455 |
| Net operating income to assets | 2.1131% | 277 |
| Return on assets (ROA) | 2.1049% | 300 |
| Pretax return on assets | 2.2642% | 365 |
| Return on Equity (ROE) | 19.2421% | 358 |
| Retained earnings to average equity (ytd only) | 17.5664% | 105 |
| Net charge-offs to loans | -0.0404% | 4,229 |
| Credit loss provision to net charge-offs | -750.0000% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4738% | 4,521 |
| Assets per employee ($millions) | 7.6738% | 1,513 |
| Cash dividends to net income (ytd only)* | 8.7088% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 666 |
| Loan loss allowance to noncurrent loans | 58.7982% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 2.5425% | 100 |
| Noncurrent loans to loans | 3.3078% | 159 |
| Net loans and leases to total assets | 69.4926% | 1,096 |
| Net loans and leases to deposits | 80.2554% | 1,195 |
| Net loans and leases to core deposits | 90.6950% | 942 |
| Total domestic deposits to total assets | 86.5893% | 2,675 |
| Equity capital to assets | 11.1833% | 1,672 |
| Core capital (leverage) ratio | 11.2508% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6449% | 802 |
| Memoranda: | ||
| Average total assets | $845,542,800 | 1,094 |
| Average earning assets | $824,667,400 | 1,054 |
| Average equity | $92,495,000 | 1,076 |
| Average total loans | $618,917,800 | 975 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 734 |
| Cost of funding earning assets | 0.5392% | 877 |
| Net interest margin | 3.9141% | 915 |
| Noninterest income to average assets | 0.8707% | 1,322 |
| Noninterest expense to average assets | 2.1230% | 3,298 |
| Loan and lease loss provision to assets | 0.2517% | 364 |
| Net operating income to assets | 2.2763% | 280 |
| Return on assets (ROA) | 2.2687% | 300 |
| Pretax return on assets | 2.3068% | 458 |
| Return on Equity (ROE) | 20.8640% | 368 |
| Retained earnings to average equity (ytd only) | 18.5862% | 176 |
| Net charge-offs to loans | -0.0515% | 4,371 |
| Credit loss provision to net charge-offs | -661.7647% | 3,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2752% | 4,533 |
| Assets per employee ($millions) | 7.1501% | 1,771 |
| Cash dividends to net income (ytd only)* | 10.9170% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 803 |
| Loan loss allowance to noncurrent loans | 57.7729% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 2.6794% | 115 |
| Noncurrent loans to loans | 3.2452% | 189 |
| Net loans and leases to total assets | 74.8191% | 626 |
| Net loans and leases to deposits | 86.9812% | 771 |
| Net loans and leases to core deposits | 100.4263% | 572 |
| Total domestic deposits to total assets | 86.0175% | 2,742 |
| Equity capital to assets | 11.6496% | 1,575 |
| Core capital (leverage) ratio | 11.1418% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4761% | 886 |
| Memoranda: | ||
| Average total assets | $834,389,000 | 1,123 |
| Average earning assets | $813,992,750 | 1,077 |
| Average equity | $90,731,500 | 1,109 |
| Average total loans | $615,931,250 | 996 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 1,368 |
| Cost of funding earning assets | 0.5924% | 774 |
| Net interest margin | 3.4958% | 1,867 |
| Noninterest income to average assets | 1.1072% | 920 |
| Noninterest expense to average assets | 2.3156% | 2,718 |
| Loan and lease loss provision to assets | 0.3059% | 277 |
| Net operating income to assets | 1.8648% | 627 |
| Return on assets (ROA) | 1.8564% | 670 |
| Pretax return on assets | 1.8890% | 1,048 |
| Return on Equity (ROE) | 17.4890% | 720 |
| Retained earnings to average equity (ytd only) | 13.9858% | 544 |
| Net charge-offs to loans | -0.0756% | 4,530 |
| Credit loss provision to net charge-offs | -554.3478% | 3,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2396% | 4,120 |
| Assets per employee ($millions) | 7.3462% | 1,567 |
| Cash dividends to net income (ytd only)* | 20.0310% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 866 |
| Loan loss allowance to noncurrent loans | 53.5263% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 2.6579% | 119 |
| Noncurrent loans to loans | 3.3825% | 191 |
| Net loans and leases to total assets | 72.8860% | 863 |
| Net loans and leases to deposits | 83.4202% | 1,100 |
| Net loans and leases to core deposits | 98.1454% | 714 |
| Total domestic deposits to total assets | 87.3721% | 2,143 |
| Equity capital to assets | 10.3988% | 2,492 |
| Core capital (leverage) ratio | 10.0890% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4554% | 1,043 |
| Memoranda: | ||
| Average total assets | $833,664,667 | 1,114 |
| Average earning assets | $813,653,333 | 1,075 |
| Average equity | $88,490,000 | 1,123 |
| Average total loans | $608,619,333 | 1,020 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1967% | 1,210 |
| Cost of funding earning assets | 0.6615% | 645 |
| Net interest margin | 3.5352% | 1,734 |
| Noninterest income to average assets | 1.7781% | 452 |
| Noninterest expense to average assets | 2.4174% | 2,447 |
| Loan and lease loss provision to assets | 0.3060% | 301 |
| Net operating income to assets | 2.4823% | 274 |
| Return on assets (ROA) | 2.4595% | 303 |
| Pretax return on assets | 2.4801% | 451 |
| Return on Equity (ROE) | 22.9239% | 342 |
| Retained earnings to average equity (ytd only) | 22.9239% | 184 |
| Net charge-offs to loans | -0.1563% | 4,744 |
| Credit loss provision to net charge-offs | -270.5628% | 3,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2533% | 4,452 |
| Assets per employee ($millions) | 7.2208% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 889 |
| Loan loss allowance to noncurrent loans | 49.9977% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.7941% | 124 |
| Noncurrent loans to loans | 3.5780% | 177 |
| Net loans and leases to total assets | 72.1101% | 1,008 |
| Net loans and leases to deposits | 82.6922% | 1,279 |
| Net loans and leases to core deposits | 101.2826% | 658 |
| Total domestic deposits to total assets | 87.2030% | 2,224 |
| Equity capital to assets | 10.6550% | 2,125 |
| Core capital (leverage) ratio | 10.4304% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4157% | 1,006 |
| Memoranda: | ||
| Average total assets | $817,071,500 | 1,121 |
| Average earning assets | $797,003,500 | 1,081 |
| Average equity | $87,664,000 | 1,121 |
| Average total loans | $591,197,500 | 1,046 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 2,579 |
| Cost of funding earning assets | 1.1007% | 399 |
| Net interest margin | 2.9507% | 4,008 |
| Noninterest income to average assets | 0.3780% | 3,224 |
| Noninterest expense to average assets | 2.2824% | 3,457 |
| Loan and lease loss provision to assets | 0.4287% | 676 |
| Net operating income to assets | 0.5317% | 3,962 |
| Return on assets (ROA) | 0.6382% | 3,753 |
| Pretax return on assets | 0.6487% | 3,980 |
| Return on Equity (ROE) | 5.5865% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.5865% | 2,002 |
| Net charge-offs to loans | -0.0491% | 4,663 |
| Credit loss provision to net charge-offs | -1,255.0201% | 4,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2030% | 1,924 |
| Assets per employee ($millions) | 6.4236% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 879 |
| Loan loss allowance to noncurrent loans | 46.1035% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 2.9385% | 130 |
| Noncurrent loans to loans | 3.8787% | 151 |
| Net loans and leases to total assets | 69.9589% | 1,566 |
| Net loans and leases to deposits | 80.3616% | 1,826 |
| Net loans and leases to core deposits | 100.2118% | 889 |
| Total domestic deposits to total assets | 87.0551% | 1,921 |
| Equity capital to assets | 10.8069% | 2,424 |
| Core capital (leverage) ratio | 10.3543% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0932% | 1,041 |
| Memoranda: | ||
| Average total assets | $728,886,000 | 1,137 |
| Average earning assets | $709,736,800 | 1,087 |
| Average equity | $83,271,800 | 1,116 |
| Average total loans | $506,742,800 | 1,125 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 2,792 |
| Cost of funding earning assets | 1.2056% | 363 |
| Net interest margin | 2.8536% | 4,254 |
| Noninterest income to average assets | 0.3625% | 3,289 |
| Noninterest expense to average assets | 2.3114% | 3,393 |
| Loan and lease loss provision to assets | 0.3044% | 1,325 |
| Net operating income to assets | 0.5206% | 3,977 |
| Return on assets (ROA) | 0.6678% | 3,676 |
| Pretax return on assets | 0.6744% | 3,959 |
| Return on Equity (ROE) | 5.7582% | 3,635 |
| Retained earnings to average equity (ytd only) | 5.7582% | 2,205 |
| Net charge-offs to loans | -0.0966% | 4,820 |
| Credit loss provision to net charge-offs | -456.4607% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5797% | 1,453 |
| Assets per employee ($millions) | 6.1815% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 1,077 |
| Loan loss allowance to noncurrent loans | 38.5765% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 3.1778% | 132 |
| Noncurrent loans to loans | 4.1700% | 152 |
| Net loans and leases to total assets | 70.9921% | 1,820 |
| Net loans and leases to deposits | 86.7333% | 1,619 |
| Net loans and leases to core deposits | 105.5689% | 865 |
| Total domestic deposits to total assets | 81.8510% | 3,460 |
| Equity capital to assets | 11.3025% | 2,149 |
| Core capital (leverage) ratio | 10.6042% | 2,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9626% | 919 |
| Memoranda: | ||
| Average total assets | $711,976,250 | 1,146 |
| Average earning assets | $693,327,750 | 1,097 |
| Average equity | $82,569,750 | 1,118 |
| Average total loans | $491,582,000 | 1,148 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 2,990 |
| Cost of funding earning assets | 1.3285% | 317 |
| Net interest margin | 2.7935% | 4,462 |
| Noninterest income to average assets | 0.3442% | 3,412 |
| Noninterest expense to average assets | 2.2389% | 3,687 |
| Loan and lease loss provision to assets | 0.2507% | 1,674 |
| Net operating income to assets | 0.5740% | 3,820 |
| Return on assets (ROA) | 0.8012% | 3,157 |
| Pretax return on assets | 0.8035% | 3,575 |
| Return on Equity (ROE) | 6.8461% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.8461% | 1,721 |
| Net charge-offs to loans | -0.1401% | 4,903 |
| Credit loss provision to net charge-offs | -263.5542% | 3,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0255% | 1,567 |
| Assets per employee ($millions) | 6.5636% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 1,101 |
| Loan loss allowance to noncurrent loans | 35.7591% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 3.1807% | 140 |
| Noncurrent loans to loans | 4.3654% | 140 |
| Net loans and leases to total assets | 67.8485% | 2,382 |
| Net loans and leases to deposits | 81.1174% | 2,302 |
| Net loans and leases to core deposits | 99.4473% | 1,297 |
| Total domestic deposits to total assets | 83.6423% | 2,870 |
| Equity capital to assets | 11.3509% | 2,081 |
| Core capital (leverage) ratio | 11.0417% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8646% | 786 |
| Memoranda: | ||
| Average total assets | $697,922,667 | 1,150 |
| Average earning assets | $679,996,333 | 1,101 |
| Average equity | $81,681,000 | 1,119 |
| Average total loans | $474,065,667 | 1,167 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 2,967 |
| Cost of funding earning assets | 1.4046% | 388 |
| Net interest margin | 2.8815% | 4,458 |
| Noninterest income to average assets | 0.3615% | 3,354 |
| Noninterest expense to average assets | 2.2573% | 3,870 |
| Loan and lease loss provision to assets | 0.2958% | 1,044 |
| Net operating income to assets | 0.6183% | 3,549 |
| Return on assets (ROA) | 0.9112% | 2,594 |
| Pretax return on assets | 0.9088% | 3,111 |
| Return on Equity (ROE) | 7.6603% | 2,650 |
| Retained earnings to average equity (ytd only) | 7.5310% | 1,369 |
| Net charge-offs to loans | 0.0588% | 1,422 |
| Credit loss provision to net charge-offs | 746.2687% | 696 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,340 |
| Efficiency ratio | 71.2285% | 2,187 |
| Assets per employee ($millions) | 5.8624% | 1,786 |
| Cash dividends to net income (ytd only)* | 1.6883% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 1,154 |
| Loan loss allowance to noncurrent loans | 29.2577% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 3.8419% | 109 |
| Noncurrent loans to loans | 5.3554% | 103 |
| Net loans and leases to total assets | 67.1377% | 2,686 |
| Net loans and leases to deposits | 78.1553% | 2,868 |
| Net loans and leases to core deposits | 98.0381% | 1,622 |
| Total domestic deposits to total assets | 85.9029% | 2,034 |
| Equity capital to assets | 12.2019% | 1,921 |
| Core capital (leverage) ratio | 11.3442% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7970% | 886 |
| Memoranda: | ||
| Average total assets | $676,027,000 | 1,148 |
| Average earning assets | $658,694,000 | 1,093 |
| Average equity | $80,414,500 | 1,131 |
| Average total loans | $455,496,500 | 1,173 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 1,805 |
| Cost of funding earning assets | 1.3418% | 677 |
| Net interest margin | 3.5410% | 3,312 |
| Noninterest income to average assets | 0.4379% | 3,066 |
| Noninterest expense to average assets | 2.3588% | 3,810 |
| Loan and lease loss provision to assets | 0.1582% | 1,326 |
| Net operating income to assets | 1.3371% | 1,556 |
| Return on assets (ROA) | 1.3517% | 1,579 |
| Pretax return on assets | 1.3774% | 2,243 |
| Return on Equity (ROE) | 11.1473% | 1,825 |
| Retained earnings to average equity (ytd only) | 0.5854% | 4,520 |
| Net charge-offs to loans | 0.2164% | 944 |
| Credit loss provision to net charge-offs | 105.3443% | 2,351 |
| Earnings coverage of net charge-offs (x) | 10.1295% | 2,598 |
| Efficiency ratio | 60.7525% | 3,576 |
| Assets per employee ($millions) | 5.9989% | 1,635 |
| Cash dividends to net income (ytd only)* | 94.7489% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 1,230 |
| Loan loss allowance to noncurrent loans | 34.5616% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 3.1810% | 164 |
| Noncurrent loans to loans | 4.3430% | 140 |
| Net loans and leases to total assets | 65.5560% | 3,011 |
| Net loans and leases to deposits | 75.9330% | 3,188 |
| Net loans and leases to core deposits | 93.6212% | 2,104 |
| Total domestic deposits to total assets | 86.3341% | 1,917 |
| Equity capital to assets | 11.5901% | 2,441 |
| Core capital (leverage) ratio | 11.4493% | 2,152 |
| Tier 1 risk-based capital ratio | 18.5103% | 1,631 |
| Total risk-based capital ratio | 19.7655% | 1,603 |
| Memoranda: | ||
| Average total assets | $648,095,200 | 1,154 |
| Average earning assets | $629,912,000 | 1,095 |
| Average equity | $78,584,000 | 1,108 |
| Average total loans | $449,724,600 | 1,159 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 1,318 |
| Cost of funding earning assets | 1.3166% | 750 |
| Net interest margin | 3.7675% | 2,691 |
| Noninterest income to average assets | 0.3935% | 3,362 |
| Noninterest expense to average assets | 2.1224% | 4,322 |
| Loan and lease loss provision to assets | 0.3382% | 404 |
| Net operating income to assets | 1.5613% | 1,024 |
| Return on assets (ROA) | 1.5829% | 1,023 |
| Pretax return on assets | 1.6146% | 1,588 |
| Return on Equity (ROE) | 12.9041% | 1,317 |
| Retained earnings to average equity (ytd only) | 6.7964% | 1,953 |
| Net charge-offs to loans | 0.2940% | 595 |
| Credit loss provision to net charge-offs | 163.9758% | 1,529 |
| Earnings coverage of net charge-offs (x) | 9.3613% | 2,578 |
| Efficiency ratio | 52.3030% | 4,574 |
| Assets per employee ($millions) | 5.8969% | 1,676 |
| Cash dividends to net income (ytd only)* | 47.3311% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6527% | 899 |
| Loan loss allowance to noncurrent loans | 94.7192% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 1.5154% | 724 |
| Noncurrent loans to loans | 1.7448% | 830 |
| Net loans and leases to total assets | 67.4643% | 2,869 |
| Net loans and leases to deposits | 79.2128% | 2,988 |
| Net loans and leases to core deposits | 101.8358% | 1,520 |
| Total domestic deposits to total assets | 85.1684% | 2,362 |
| Equity capital to assets | 12.7209% | 1,775 |
| Core capital (leverage) ratio | 12.4316% | 1,610 |
| Tier 1 risk-based capital ratio | 20.1180% | 1,344 |
| Total risk-based capital ratio | 21.3755% | 1,315 |
| Memoranda: | ||
| Average total assets | $640,649,500 | 1,166 |
| Average earning assets | $622,287,500 | 1,107 |
| Average equity | $78,588,250 | 1,104 |
| Average total loans | $449,365,250 | 1,163 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 1,138 |
| Cost of funding earning assets | 1.2685% | 821 |
| Net interest margin | 3.8668% | 2,352 |
| Noninterest income to average assets | 0.3627% | 3,507 |
| Noninterest expense to average assets | 2.1393% | 4,346 |
| Loan and lease loss provision to assets | 0.3527% | 367 |
| Net operating income to assets | 1.5954% | 919 |
| Return on assets (ROA) | 1.6154% | 917 |
| Pretax return on assets | 1.6468% | 1,406 |
| Return on Equity (ROE) | 13.3361% | 1,144 |
| Retained earnings to average equity (ytd only) | 4.5368% | 3,003 |
| Net charge-offs to loans | 0.4458% | 365 |
| Credit loss provision to net charge-offs | 111.9403% | 1,827 |
| Earnings coverage of net charge-offs (x) | 6.2816% | 2,586 |
| Efficiency ratio | 51.8535% | 4,664 |
| Assets per employee ($millions) | 5.9560% | 1,575 |
| Cash dividends to net income (ytd only)* | 65.9810% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,255 |
| Loan loss allowance to noncurrent loans | 88.0082% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.5016% | 750 |
| Noncurrent loans to loans | 1.7124% | 889 |
| Net loans and leases to total assets | 68.2317% | 2,782 |
| Net loans and leases to deposits | 79.4926% | 3,007 |
| Net loans and leases to core deposits | 99.1356% | 1,798 |
| Total domestic deposits to total assets | 85.8341% | 2,119 |
| Equity capital to assets | 12.1268% | 2,099 |
| Core capital (leverage) ratio | 12.0716% | 1,781 |
| Tier 1 risk-based capital ratio | 19.6940% | 1,406 |
| Total risk-based capital ratio | 20.9501% | 1,371 |
| Memoranda: | ||
| Average total assets | $637,978,330 | 1,163 |
| Average earning assets | $619,636,330 | 1,112 |
| Average equity | $77,279,000 | 1,114 |
| Average total loans | $450,830,330 | 1,162 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 1,516 |
| Cost of funding earning assets | 1.1877% | 938 |
| Net interest margin | 3.7451% | 2,724 |
| Noninterest income to average assets | 0.0254% | 5,268 |
| Noninterest expense to average assets | 1.9740% | 4,692 |
| Loan and lease loss provision to assets | 0.3972% | 293 |
| Net operating income to assets | 1.2558% | 1,864 |
| Return on assets (ROA) | 1.2762% | 1,834 |
| Pretax return on assets | 1.3105% | 2,416 |
| Return on Equity (ROE) | 10.5416% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.4916% | 1,166 |
| Net charge-offs to loans | 0.2822% | 525 |
| Credit loss provision to net charge-offs | 197.1609% | 1,071 |
| Earnings coverage of net charge-offs (x) | 8.3722% | 2,085 |
| Efficiency ratio | 53.7153% | 4,558 |
| Assets per employee ($millions) | 5.6541% | 1,839 |
| Cash dividends to net income (ytd only)* | 9.9602% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 1,129 |
| Loan loss allowance to noncurrent loans | 83.0949% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 656 |
| Noncurrent loans to loans | 1.8896% | 804 |
| Net loans and leases to total assets | 70.8479% | 2,351 |
| Net loans and leases to deposits | 81.4176% | 2,679 |
| Net loans and leases to core deposits | 105.5850% | 1,202 |
| Total domestic deposits to total assets | 87.0179% | 1,805 |
| Equity capital to assets | 12.5316% | 1,721 |
| Core capital (leverage) ratio | 12.3000% | 1,605 |
| Tier 1 risk-based capital ratio | 20.1178% | 1,324 |
| Total risk-based capital ratio | 21.3752% | 1,287 |
| Memoranda: | ||
| Average total assets | $629,386,000 | 1,179 |
| Average earning assets | $610,931,000 | 1,127 |
| Average equity | $76,193,500 | 1,125 |
| Average total loans | $449,311,000 | 1,174 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 1,432 |
| Cost of funding earning assets | 0.9535% | 913 |
| Net interest margin | 3.8933% | 2,345 |
| Noninterest income to average assets | -0.1918% | 5,383 |
| Noninterest expense to average assets | 2.2055% | 4,326 |
| Loan and lease loss provision to assets | -0.0748% | 5,238 |
| Net operating income to assets | 1.4050% | 1,417 |
| Return on assets (ROA) | 1.4021% | 1,417 |
| Pretax return on assets | 1.4267% | 2,055 |
| Return on Equity (ROE) | 11.5462% | 1,883 |
| Retained earnings to average equity (ytd only) | 4.8381% | 2,869 |
| Net charge-offs to loans | 0.2292% | 850 |
| Credit loss provision to net charge-offs | -45.0902% | 4,325 |
| Earnings coverage of net charge-offs (x) | 8.1663% | 2,921 |
| Efficiency ratio | 61.6800% | 3,592 |
| Assets per employee ($millions) | 5.8424% | 1,637 |
| Cash dividends to net income (ytd only)* | 58.0982% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 1,327 |
| Loan loss allowance to noncurrent loans | 39.6554% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.2028% | 179 |
| Noncurrent loans to loans | 3.7578% | 215 |
| Net loans and leases to total assets | 69.7580% | 2,601 |
| Net loans and leases to deposits | 79.2940% | 3,031 |
| Net loans and leases to core deposits | 100.2340% | 1,702 |
| Total domestic deposits to total assets | 87.9739% | 1,306 |
| Equity capital to assets | 11.6903% | 2,103 |
| Core capital (leverage) ratio | 11.9594% | 1,763 |
| Tier 1 risk-based capital ratio | 19.5065% | 1,402 |
| Total risk-based capital ratio | 20.7627% | 1,372 |
| Memoranda: | ||
| Average total assets | $601,543,600 | 1,200 |
| Average earning assets | $579,743,000 | 1,159 |
| Average equity | $73,045,800 | 1,116 |
| Average total loans | $435,347,000 | 1,171 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 1,340 |
| Cost of funding earning assets | 0.9105% | 881 |
| Net interest margin | 3.9213% | 2,224 |
| Noninterest income to average assets | 0.2627% | 4,397 |
| Noninterest expense to average assets | 2.1916% | 4,341 |
| Loan and lease loss provision to assets | -0.1350% | 5,370 |
| Net operating income to assets | 1.9549% | 428 |
| Return on assets (ROA) | 1.9467% | 433 |
| Pretax return on assets | 1.9703% | 671 |
| Return on Equity (ROE) | 15.8722% | 716 |
| Retained earnings to average equity (ytd only) | 6.8851% | 2,187 |
| Net charge-offs to loans | 0.3127% | 534 |
| Credit loss provision to net charge-offs | -59.2885% | 4,180 |
| Earnings coverage of net charge-offs (x) | 8.0988% | 2,747 |
| Efficiency ratio | 54.0666% | 4,608 |
| Assets per employee ($millions) | 5.6681% | 1,757 |
| Cash dividends to net income (ytd only)* | 56.6212% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 1,393 |
| Loan loss allowance to noncurrent loans | 47.3293% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 3.9665% | 124 |
| Noncurrent loans to loans | 3.1392% | 335 |
| Net loans and leases to total assets | 71.0235% | 2,486 |
| Net loans and leases to deposits | 81.1894% | 2,902 |
| Net loans and leases to core deposits | 104.4477% | 1,425 |
| Total domestic deposits to total assets | 87.4787% | 1,501 |
| Equity capital to assets | 12.0706% | 1,857 |
| Core capital (leverage) ratio | 12.3598% | 1,576 |
| Tier 1 risk-based capital ratio | 19.1859% | 1,495 |
| Total risk-based capital ratio | 20.4410% | 1,461 |
| Memoranda: | ||
| Average total assets | $592,725,250 | 1,218 |
| Average earning assets | $570,238,750 | 1,181 |
| Average equity | $72,695,750 | 1,120 |
| Average total loans | $431,446,000 | 1,178 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7566% | 1,363 |
| Cost of funding earning assets | 0.8544% | 897 |
| Net interest margin | 3.9022% | 2,195 |
| Noninterest income to average assets | 0.2054% | 4,786 |
| Noninterest expense to average assets | 2.2550% | 4,249 |
| Loan and lease loss provision to assets | -0.3241% | 5,497 |
| Net operating income to assets | 2.0093% | 376 |
| Return on assets (ROA) | 2.0019% | 375 |
| Pretax return on assets | 2.0264% | 575 |
| Return on Equity (ROE) | 16.2329% | 626 |
| Retained earnings to average equity (ytd only) | 3.2311% | 3,954 |
| Net charge-offs to loans | -0.4377% | 5,423 |
| Credit loss provision to net charge-offs | 101.3874% | 1,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6082% | 4,400 |
| Assets per employee ($millions) | 5.7331% | 1,695 |
| Cash dividends to net income (ytd only)* | 80.0954% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8421% | 697 |
| Loan loss allowance to noncurrent loans | 99.1370% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 3.0324% | 243 |
| Noncurrent loans to loans | 1.8582% | 831 |
| Net loans and leases to total assets | 72.1942% | 2,246 |
| Net loans and leases to deposits | 82.4153% | 2,725 |
| Net loans and leases to core deposits | 109.4887% | 1,036 |
| Total domestic deposits to total assets | 87.5981% | 1,592 |
| Equity capital to assets | 11.9449% | 1,887 |
| Core capital (leverage) ratio | 12.3515% | 1,516 |
| Tier 1 risk-based capital ratio | 18.5433% | 1,666 |
| Total risk-based capital ratio | 19.8036% | 1,626 |
| Memoranda: | ||
| Average total assets | $586,250,000 | 1,233 |
| Average earning assets | $564,816,000 | 1,193 |
| Average equity | $72,297,670 | 1,126 |
| Average total loans | $428,152,000 | 1,187 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 1,253 |
| Cost of funding earning assets | 0.8024% | 942 |
| Net interest margin | 3.9213% | 1,957 |
| Noninterest income to average assets | -0.0360% | 5,580 |
| Noninterest expense to average assets | 2.1944% | 4,434 |
| Loan and lease loss provision to assets | 0.2421% | 628 |
| Net operating income to assets | 1.2838% | 1,704 |
| Return on assets (ROA) | 1.2614% | 1,780 |
| Pretax return on assets | 1.2932% | 2,393 |
| Return on Equity (ROE) | 10.0643% | 2,392 |
| Retained earnings to average equity (ytd only) | 7.3054% | 2,147 |
| Net charge-offs to loans | 0.0057% | 2,529 |
| Credit loss provision to net charge-offs | 5,833.3333% | 56 |
| Earnings coverage of net charge-offs (x) | 375.5000% | 181 |
| Efficiency ratio | 58.1644% | 4,317 |
| Assets per employee ($millions) | 5.5694% | 1,873 |
| Cash dividends to net income (ytd only)* | 27.4123% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0062% | 540 |
| Loan loss allowance to noncurrent loans | 70.0140% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 2.7846% | 307 |
| Noncurrent loans to loans | 2.8655% | 432 |
| Net loans and leases to total assets | 71.7896% | 2,204 |
| Net loans and leases to deposits | 82.6416% | 2,531 |
| Net loans and leases to core deposits | 109.4123% | 1,036 |
| Total domestic deposits to total assets | 86.8685% | 2,178 |
| Equity capital to assets | 12.5290% | 1,467 |
| Core capital (leverage) ratio | 12.6171% | 1,339 |
| Tier 1 risk-based capital ratio | 19.4722% | 1,440 |
| Total risk-based capital ratio | 20.7347% | 1,408 |
| Memoranda: | ||
| Average total assets | $578,389,000 | 1,254 |
| Average earning assets | $558,797,000 | 1,211 |
| Average equity | $72,494,000 | 1,130 |
| Average total loans | $420,855,500 | 1,216 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 792 |
| Cost of funding earning assets | 0.6136% | 1,517 |
| Net interest margin | 4.2887% | 983 |
| Noninterest income to average assets | 0.2399% | 4,697 |
| Noninterest expense to average assets | 2.4389% | 3,967 |
| Loan and lease loss provision to assets | 0.2236% | 881 |
| Net operating income to assets | 1.6884% | 538 |
| Return on assets (ROA) | 1.7197% | 518 |
| Pretax return on assets | 1.7511% | 893 |
| Return on Equity (ROE) | 13.0335% | 947 |
| Retained earnings to average equity (ytd only) | 5.6209% | 1,756 |
| Net charge-offs to loans | 0.5000% | 472 |
| Credit loss provision to net charge-offs | 63.3580% | 3,183 |
| Earnings coverage of net charge-offs (x) | 5.5063% | 3,318 |
| Efficiency ratio | 55.3378% | 4,830 |
| Assets per employee ($millions) | 5.7184% | 1,737 |
| Cash dividends to net income (ytd only)* | 56.8736% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 582 |
| Loan loss allowance to noncurrent loans | 65.4358% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 3.0115% | 268 |
| Noncurrent loans to loans | 2.9910% | 373 |
| Net loans and leases to total assets | 70.8517% | 2,387 |
| Net loans and leases to deposits | 81.6661% | 2,755 |
| Net loans and leases to core deposits | 108.2360% | 1,109 |
| Total domestic deposits to total assets | 86.7577% | 2,108 |
| Equity capital to assets | 12.5386% | 1,494 |
| Core capital (leverage) ratio | 12.8302% | 1,208 |
| Tier 1 risk-based capital ratio | 19.4678% | 1,417 |
| Total risk-based capital ratio | 20.7298% | 1,391 |
| Memoranda: | ||
| Average total assets | $536,791,000 | 1,307 |
| Average earning assets | $518,408,200 | 1,263 |
| Average equity | $70,825,000 | 1,124 |
| Average total loans | $378,785,200 | 1,290 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 699 |
| Cost of funding earning assets | 0.5701% | 1,741 |
| Net interest margin | 4.3678% | 785 |
| Noninterest income to average assets | 0.2365% | 4,792 |
| Noninterest expense to average assets | 2.0597% | 4,829 |
| Loan and lease loss provision to assets | 0.3924% | 349 |
| Net operating income to assets | 1.9727% | 332 |
| Return on assets (ROA) | 2.0149% | 316 |
| Pretax return on assets | 2.0465% | 498 |
| Return on Equity (ROE) | 15.0659% | 642 |
| Retained earnings to average equity (ytd only) | 5.1267% | 2,798 |
| Net charge-offs to loans | 0.5739% | 348 |
| Credit loss provision to net charge-offs | 97.5456% | 2,352 |
| Earnings coverage of net charge-offs (x) | 5.9553% | 3,044 |
| Efficiency ratio | 45.8973% | 5,424 |
| Assets per employee ($millions) | 5.6277% | 1,805 |
| Cash dividends to net income (ytd only)* | 65.9714% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 393 |
| Loan loss allowance to noncurrent loans | 66.3060% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 3.2953% | 253 |
| Noncurrent loans to loans | 3.3462% | 344 |
| Net loans and leases to total assets | 71.9813% | 2,259 |
| Net loans and leases to deposits | 84.2842% | 2,530 |
| Net loans and leases to core deposits | 106.8797% | 1,207 |
| Total domestic deposits to total assets | 85.4031% | 2,554 |
| Equity capital to assets | 13.3399% | 1,231 |
| Core capital (leverage) ratio | 13.2964% | 1,108 |
| Tier 1 risk-based capital ratio | 19.8886% | 1,382 |
| Total risk-based capital ratio | 21.1541% | 1,343 |
| Memoranda: | ||
| Average total assets | $526,598,750 | 1,342 |
| Average earning assets | $508,680,000 | 1,292 |
| Average equity | $70,426,750 | 1,139 |
| Average total loans | $369,136,500 | 1,330 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9699% | 593 |
| Cost of funding earning assets | 0.5394% | 1,849 |
| Net interest margin | 4.4305% | 663 |
| Noninterest income to average assets | 0.1360% | 5,371 |
| Noninterest expense to average assets | 1.9891% | 4,996 |
| Loan and lease loss provision to assets | 0.3640% | 388 |
| Net operating income to assets | 2.0393% | 284 |
| Return on assets (ROA) | 2.0833% | 270 |
| Pretax return on assets | 2.1098% | 433 |
| Return on Equity (ROE) | 15.5640% | 589 |
| Retained earnings to average equity (ytd only) | 0.5381% | 4,968 |
| Net charge-offs to loans | 1.2285% | 159 |
| Credit loss provision to net charge-offs | 43.0059% | 2,617 |
| Earnings coverage of net charge-offs (x) | 2.8705% | 3,112 |
| Efficiency ratio | 44.6718% | 5,504 |
| Assets per employee ($millions) | 5.4053% | 1,959 |
| Cash dividends to net income (ytd only)* | 96.5428% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 507 |
| Loan loss allowance to noncurrent loans | 52.6666% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 3.6070% | 212 |
| Noncurrent loans to loans | 3.9950% | 243 |
| Net loans and leases to total assets | 67.4778% | 2,882 |
| Net loans and leases to deposits | 78.2409% | 3,094 |
| Net loans and leases to core deposits | 95.8088% | 1,998 |
| Total domestic deposits to total assets | 86.2436% | 2,275 |
| Equity capital to assets | 13.3355% | 1,210 |
| Core capital (leverage) ratio | 13.1378% | 1,123 |
| Tier 1 risk-based capital ratio | 20.6914% | 1,245 |
| Total risk-based capital ratio | 21.9545% | 1,216 |
| Memoranda: | ||
| Average total assets | $522,046,000 | 1,360 |
| Average earning assets | $504,598,330 | 1,307 |
| Average equity | $69,879,000 | 1,145 |
| Average total loans | $359,612,670 | 1,360 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 775 |
| Cost of funding earning assets | 0.5273% | 1,880 |
| Net interest margin | 4.2580% | 873 |
| Noninterest income to average assets | 0.1245% | 5,495 |
| Noninterest expense to average assets | 1.8611% | 5,291 |
| Loan and lease loss provision to assets | 4.0874% | 18 |
| Net operating income to assets | -1.6930% | 5,809 |
| Return on assets (ROA) | -1.6930% | 5,809 |
| Pretax return on assets | -1.6968% | 5,803 |
| Return on Equity (ROE) | -12.2285% | 5,790 |
| Retained earnings to average equity (ytd only) | -13.6081% | 5,650 |
| Net charge-offs to loans | 3.6854% | 37 |
| Credit loss provision to net charge-offs | 161.0961% | 1,163 |
| Earnings coverage of net charge-offs (x) | 0.9422% | 2,776 |
| Efficiency ratio | 43.3962% | 5,614 |
| Assets per employee ($millions) | 5.5477% | 1,839 |
| Cash dividends to net income (ytd only)* | -11.2816% | 5,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5804% | 287 |
| Loan loss allowance to noncurrent loans | 40.6712% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 4.4872% | 147 |
| Noncurrent loans to loans | 6.3445% | 98 |
| Net loans and leases to total assets | 67.0433% | 2,811 |
| Net loans and leases to deposits | 77.9566% | 2,970 |
| Net loans and leases to core deposits | 95.4889% | 1,853 |
| Total domestic deposits to total assets | 86.0007% | 2,661 |
| Equity capital to assets | 13.8500% | 952 |
| Core capital (leverage) ratio | 13.3471% | 1,017 |
| Tier 1 risk-based capital ratio | 21.5899% | 1,137 |
| Total risk-based capital ratio | 22.8594% | 1,112 |
| Memoranda: | ||
| Average total assets | $523,565,500 | 1,360 |
| Average earning assets | $507,470,000 | 1,299 |
| Average equity | $72,486,500 | 1,102 |
| Average total loans | $360,453,500 | 1,360 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7364% | 991 |
| Cost of funding earning assets | 0.4696% | 2,355 |
| Net interest margin | 4.2668% | 986 |
| Noninterest income to average assets | 0.1164% | 5,597 |
| Noninterest expense to average assets | 1.8008% | 5,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.4122% | 164 |
| Return on assets (ROA) | 2.5234% | 142 |
| Pretax return on assets | 2.5535% | 185 |
| Return on Equity (ROE) | 18.3090% | 307 |
| Retained earnings to average equity (ytd only) | 11.9547% | 220 |
| Net charge-offs to loans | 1.0408% | 181 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.7546% | 3,613 |
| Efficiency ratio | 42.0287% | 5,746 |
| Assets per employee ($millions) | 6.0363% | 1,453 |
| Cash dividends to net income (ytd only)* | 34.7062% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9497% | 728 |
| Loan loss allowance to noncurrent loans | 93.0836% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 1.5834% | 1,017 |
| Noncurrent loans to loans | 2.0946% | 838 |
| Net loans and leases to total assets | 67.5292% | 2,849 |
| Net loans and leases to deposits | 78.5841% | 3,032 |
| Net loans and leases to core deposits | 96.4409% | 1,884 |
| Total domestic deposits to total assets | 85.9323% | 2,614 |
| Equity capital to assets | 13.8397% | 944 |
| Core capital (leverage) ratio | 13.9276% | 836 |
| Tier 1 risk-based capital ratio | 21.8262% | 1,107 |
| Total risk-based capital ratio | 23.0872% | 1,083 |
| Memoranda: | ||
| Average total assets | $513,839,800 | 1,336 |
| Average earning assets | $496,832,600 | 1,282 |
| Average equity | $70,817,600 | 1,115 |
| Average total loans | $321,012,600 | 1,445 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 984 |
| Cost of funding earning assets | 0.4514% | 2,549 |
| Net interest margin | 4.2988% | 931 |
| Noninterest income to average assets | 0.1146% | 5,662 |
| Noninterest expense to average assets | 1.7949% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.4349% | 172 |
| Return on assets (ROA) | 2.5080% | 159 |
| Pretax return on assets | 2.5486% | 204 |
| Return on Equity (ROE) | 18.2176% | 340 |
| Retained earnings to average equity (ytd only) | 10.1390% | 549 |
| Net charge-offs to loans | 0.0998% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 40.7494% | 1,224 |
| Efficiency ratio | 41.6171% | 5,793 |
| Assets per employee ($millions) | 6.0132% | 1,425 |
| Cash dividends to net income (ytd only)* | 44.3448% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9772% | 191 |
| Loan loss allowance to noncurrent loans | 117.4003% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.8293% | 892 |
| Noncurrent loans to loans | 2.5359% | 685 |
| Net loans and leases to total assets | 64.5425% | 3,328 |
| Net loans and leases to deposits | 76.7135% | 3,320 |
| Net loans and leases to core deposits | 91.8895% | 2,390 |
| Total domestic deposits to total assets | 84.1345% | 3,169 |
| Equity capital to assets | 14.3011% | 928 |
| Core capital (leverage) ratio | 13.7672% | 923 |
| Tier 1 risk-based capital ratio | 22.0691% | 1,129 |
| Total risk-based capital ratio | 23.3458% | 1,108 |
| Memoranda: | ||
| Average total assets | $509,500,500 | 1,350 |
| Average earning assets | $492,375,500 | 1,293 |
| Average equity | $70,143,000 | 1,128 |
| Average total loans | $309,804,250 | 1,485 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 1,850 |
| Cost of funding earning assets | 0.4507% | 2,560 |
| Net interest margin | 3.9419% | 1,836 |
| Noninterest income to average assets | 0.1444% | 5,586 |
| Noninterest expense to average assets | 1.7919% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1241% | 259 |
| Return on assets (ROA) | 2.1442% | 265 |
| Pretax return on assets | 2.1785% | 394 |
| Return on Equity (ROE) | 15.7829% | 562 |
| Retained earnings to average equity (ytd only) | 3.4412% | 3,705 |
| Net charge-offs to loans | 0.1106% | 1,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.1515% | 1,313 |
| Efficiency ratio | 44.8861% | 5,797 |
| Assets per employee ($millions) | 5.9266% | 1,452 |
| Cash dividends to net income (ytd only)* | 78.1969% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3966% | 136 |
| Loan loss allowance to noncurrent loans | 115.5588% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 1.9290% | 864 |
| Noncurrent loans to loans | 2.9392% | 514 |
| Net loans and leases to total assets | 58.8961% | 4,023 |
| Net loans and leases to deposits | 68.9773% | 4,090 |
| Net loans and leases to core deposits | 75.1915% | 3,893 |
| Total domestic deposits to total assets | 85.3847% | 2,694 |
| Equity capital to assets | 14.0057% | 1,028 |
| Core capital (leverage) ratio | 13.1499% | 1,100 |
| Tier 1 risk-based capital ratio | 21.0718% | 1,257 |
| Total risk-based capital ratio | 22.3498% | 1,237 |
| Memoranda: | ||
| Average total assets | $506,955,670 | 1,362 |
| Average earning assets | $489,411,000 | 1,305 |
| Average equity | $68,872,000 | 1,146 |
| Average total loans | $298,401,000 | 1,527 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 1,854 |
| Cost of funding earning assets | 0.4563% | 2,513 |
| Net interest margin | 3.9254% | 1,864 |
| Noninterest income to average assets | 0.1126% | 5,782 |
| Noninterest expense to average assets | 1.7642% | 5,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1027% | 280 |
| Return on assets (ROA) | 2.0981% | 291 |
| Pretax return on assets | 2.1309% | 432 |
| Return on Equity (ROE) | 15.6796% | 572 |
| Retained earnings to average equity (ytd only) | 15.6796% | 204 |
| Net charge-offs to loans | 0.1230% | 1,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 30.0110% | 1,181 |
| Efficiency ratio | 44.7163% | 5,847 |
| Assets per employee ($millions) | 6.2096% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5387% | 128 |
| Loan loss allowance to noncurrent loans | 142.0577% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6673% | 1,178 |
| Noncurrent loans to loans | 2.4910% | 758 |
| Net loans and leases to total assets | 56.2705% | 4,224 |
| Net loans and leases to deposits | 65.8868% | 4,271 |
| Net loans and leases to core deposits | 71.4753% | 4,108 |
| Total domestic deposits to total assets | 85.4047% | 2,951 |
| Equity capital to assets | 14.0038% | 982 |
| Core capital (leverage) ratio | 13.0855% | 1,127 |
| Tier 1 risk-based capital ratio | 21.9785% | 1,162 |
| Total risk-based capital ratio | 23.2565% | 1,136 |
| Memoranda: | ||
| Average total assets | $511,517,000 | 1,348 |
| Average earning assets | $493,509,500 | 1,295 |
| Average equity | $68,445,500 | 1,149 |
| Average total loans | $295,845,000 | 1,533 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5441% | 1,471 |
| Cost of funding earning assets | 0.4999% | 2,157 |
| Net interest margin | 4.0442% | 1,577 |
| Noninterest income to average assets | 0.1300% | 5,764 |
| Noninterest expense to average assets | 1.8285% | 5,703 |
| Loan and lease loss provision to assets | 0.4537% | 267 |
| Net operating income to assets | 1.7123% | 564 |
| Return on assets (ROA) | 1.7484% | 550 |
| Pretax return on assets | 1.7859% | 826 |
| Return on Equity (ROE) | 14.5123% | 763 |
| Retained earnings to average equity (ytd only) | 11.3605% | 303 |
| Net charge-offs to loans | 0.3405% | 870 |
| Credit loss provision to net charge-offs | 227.8360% | 1,246 |
| Earnings coverage of net charge-offs (x) | 11.0610% | 2,624 |
| Efficiency ratio | 44.8290% | 5,959 |
| Assets per employee ($millions) | 6.5007% | 1,101 |
| Cash dividends to net income (ytd only)* | 21.7179% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5115% | 127 |
| Loan loss allowance to noncurrent loans | 99.5911% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 2.2367% | 748 |
| Noncurrent loans to loans | 3.5259% | 393 |
| Net loans and leases to total assets | 55.3412% | 4,355 |
| Net loans and leases to deposits | 63.9523% | 4,471 |
| Net loans and leases to core deposits | 69.5470% | 4,332 |
| Total domestic deposits to total assets | 86.5351% | 2,359 |
| Equity capital to assets | 12.7784% | 1,471 |
| Core capital (leverage) ratio | 12.1863% | 1,510 |
| Tier 1 risk-based capital ratio | 20.8379% | 1,324 |
| Total risk-based capital ratio | 22.1143% | 1,297 |
| Memoranda: | ||
| Average total assets | $526,724,200 | 1,285 |
| Average earning assets | $508,114,600 | 1,229 |
| Average equity | $63,456,600 | 1,189 |
| Average total loans | $308,112,400 | 1,439 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 1,466 |
| Cost of funding earning assets | 0.5104% | 2,117 |
| Net interest margin | 4.0360% | 1,595 |
| Noninterest income to average assets | 0.1017% | 5,962 |
| Noninterest expense to average assets | 1.8294% | 5,739 |
| Loan and lease loss provision to assets | 0.6031% | 150 |
| Net operating income to assets | 1.5300% | 880 |
| Return on assets (ROA) | 1.5708% | 857 |
| Pretax return on assets | 1.6038% | 1,373 |
| Return on Equity (ROE) | 13.2358% | 1,070 |
| Retained earnings to average equity (ytd only) | 13.2358% | 263 |
| Net charge-offs to loans | 0.3920% | 655 |
| Credit loss provision to net charge-offs | 261.7744% | 1,098 |
| Earnings coverage of net charge-offs (x) | 9.3987% | 2,704 |
| Efficiency ratio | 45.2593% | 5,988 |
| Assets per employee ($millions) | 6.9372% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3888% | 165 |
| Loan loss allowance to noncurrent loans | 95.8014% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.2081% | 860 |
| Noncurrent loans to loans | 3.5374% | 436 |
| Net loans and leases to total assets | 55.9003% | 4,364 |
| Net loans and leases to deposits | 64.1661% | 4,544 |
| Net loans and leases to core deposits | 69.6650% | 4,406 |
| Total domestic deposits to total assets | 87.1181% | 1,971 |
| Equity capital to assets | 12.1475% | 1,999 |
| Core capital (leverage) ratio | 12.0812% | 1,633 |
| Tier 1 risk-based capital ratio | 19.4080% | 1,681 |
| Total risk-based capital ratio | 20.6837% | 1,651 |
| Memoranda: | ||
| Average total assets | $528,391,250 | 1,286 |
| Average earning assets | $509,669,500 | 1,237 |
| Average equity | $62,707,000 | 1,209 |
| Average total loans | $310,570,750 | 1,429 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 1,164 |
| Cost of funding earning assets | 0.5289% | 1,990 |
| Net interest margin | 4.1233% | 1,293 |
| Noninterest income to average assets | 0.1561% | 5,772 |
| Noninterest expense to average assets | 1.8804% | 5,741 |
| Loan and lease loss provision to assets | 0.6258% | 142 |
| Net operating income to assets | 1.5879% | 765 |
| Return on assets (ROA) | 1.6331% | 733 |
| Pretax return on assets | 1.6701% | 1,143 |
| Return on Equity (ROE) | 13.8737% | 930 |
| Retained earnings to average equity (ytd only) | 13.8737% | 238 |
| Net charge-offs to loans | 0.4339% | 592 |
| Credit loss provision to net charge-offs | 244.0476% | 1,068 |
| Earnings coverage of net charge-offs (x) | 8.7738% | 2,532 |
| Efficiency ratio | 44.9926% | 6,083 |
| Assets per employee ($millions) | 6.3611% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1926% | 225 |
| Loan loss allowance to noncurrent loans | 92.3056% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 2.4846% | 766 |
| Noncurrent loans to loans | 3.4587% | 511 |
| Net loans and leases to total assets | 58.7201% | 4,016 |
| Net loans and leases to deposits | 67.4513% | 4,187 |
| Net loans and leases to core deposits | 73.9487% | 3,961 |
| Total domestic deposits to total assets | 87.0556% | 2,140 |
| Equity capital to assets | 12.1676% | 1,906 |
| Core capital (leverage) ratio | 11.7384% | 1,815 |
| Tier 1 risk-based capital ratio | 18.3512% | 1,968 |
| Total risk-based capital ratio | 19.6231% | 1,924 |
| Memoranda: | ||
| Average total assets | $524,154,670 | 1,304 |
| Average earning assets | $505,183,000 | 1,248 |
| Average equity | $61,699,330 | 1,235 |
| Average total loans | $309,732,000 | 1,434 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3083% | 2,071 |
| Cost of funding earning assets | 0.5441% | 1,890 |
| Net interest margin | 3.7642% | 2,378 |
| Noninterest income to average assets | 0.1637% | 5,754 |
| Noninterest expense to average assets | 1.9017% | 5,754 |
| Loan and lease loss provision to assets | 0.3616% | 348 |
| Net operating income to assets | 1.4972% | 851 |
| Return on assets (ROA) | 1.5591% | 807 |
| Pretax return on assets | 1.5926% | 1,285 |
| Return on Equity (ROE) | 13.4703% | 992 |
| Retained earnings to average equity (ytd only) | 13.4703% | 399 |
| Net charge-offs to loans | 0.4491% | 553 |
| Credit loss provision to net charge-offs | 138.0814% | 1,321 |
| Earnings coverage of net charge-offs (x) | 7.2209% | 2,196 |
| Efficiency ratio | 49.5183% | 5,945 |
| Assets per employee ($millions) | 6.4096% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0391% | 288 |
| Loan loss allowance to noncurrent loans | 79.4171% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.5480% | 837 |
| Noncurrent loans to loans | 3.8268% | 467 |
| Net loans and leases to total assets | 56.2344% | 4,173 |
| Net loans and leases to deposits | 64.3339% | 4,337 |
| Net loans and leases to core deposits | 71.1225% | 4,048 |
| Total domestic deposits to total assets | 87.4101% | 2,161 |
| Equity capital to assets | 11.9270% | 2,080 |
| Core capital (leverage) ratio | 11.3182% | 2,141 |
| Tier 1 risk-based capital ratio | 18.3495% | 2,051 |
| Total risk-based capital ratio | 19.6208% | 1,996 |
| Memoranda: | ||
| Average total assets | $525,428,000 | 1,301 |
| Average earning assets | $506,557,500 | 1,252 |
| Average equity | $60,815,500 | 1,259 |
| Average total loans | $306,403,000 | 1,448 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 1,919 |
| Cost of funding earning assets | 0.6246% | 1,576 |
| Net interest margin | 3.8634% | 2,382 |
| Noninterest income to average assets | 0.2203% | 5,541 |
| Noninterest expense to average assets | 1.8688% | 5,978 |
| Loan and lease loss provision to assets | 0.6805% | 186 |
| Net operating income to assets | 1.3594% | 1,164 |
| Return on assets (ROA) | 1.3695% | 1,186 |
| Pretax return on assets | 1.4010% | 1,883 |
| Return on Equity (ROE) | 13.0459% | 1,128 |
| Retained earnings to average equity (ytd only) | 9.3418% | 632 |
| Net charge-offs to loans | 0.3493% | 1,258 |
| Credit loss provision to net charge-offs | 327.1028% | 803 |
| Earnings coverage of net charge-offs (x) | 9.9561% | 2,675 |
| Efficiency ratio | 46.7654% | 6,230 |
| Assets per employee ($millions) | 6.5659% | 1,022 |
| Cash dividends to net income (ytd only)* | 28.3930% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9654% | 311 |
| Loan loss allowance to noncurrent loans | 71.6258% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 2.7466% | 794 |
| Noncurrent loans to loans | 4.1402% | 430 |
| Net loans and leases to total assets | 56.8944% | 4,214 |
| Net loans and leases to deposits | 65.3428% | 4,392 |
| Net loans and leases to core deposits | 72.6479% | 4,066 |
| Total domestic deposits to total assets | 87.0706% | 2,239 |
| Equity capital to assets | 11.2217% | 2,676 |
| Core capital (leverage) ratio | 10.7708% | 2,651 |
| Tier 1 risk-based capital ratio | 17.8762% | 2,180 |
| Total risk-based capital ratio | 19.1464% | 2,137 |
| Memoranda: | ||
| Average total assets | $514,338,800 | 1,307 |
| Average earning assets | $495,205,400 | 1,243 |
| Average equity | $53,993,800 | 1,349 |
| Average total loans | $306,301,600 | 1,401 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 2,103 |
| Cost of funding earning assets | 0.6360% | 1,557 |
| Net interest margin | 3.7976% | 2,628 |
| Noninterest income to average assets | 0.2848% | 5,164 |
| Noninterest expense to average assets | 1.9653% | 5,829 |
| Loan and lease loss provision to assets | 0.7401% | 170 |
| Net operating income to assets | 1.2111% | 1,643 |
| Return on assets (ROA) | 1.2129% | 1,699 |
| Pretax return on assets | 1.2366% | 2,629 |
| Return on Equity (ROE) | 11.7620% | 1,540 |
| Retained earnings to average equity (ytd only) | 6.7074% | 1,978 |
| Net charge-offs to loans | 0.2476% | 1,557 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 13.3416% | 2,237 |
| Efficiency ratio | 49.1964% | 6,136 |
| Assets per employee ($millions) | 6.5818% | 975 |
| Cash dividends to net income (ytd only)* | 42.9738% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0048% | 362 |
| Loan loss allowance to noncurrent loans | 111.5045% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.9032% | 1,540 |
| Noncurrent loans to loans | 2.6947% | 1,061 |
| Net loans and leases to total assets | 55.0224% | 4,460 |
| Net loans and leases to deposits | 62.0569% | 4,735 |
| Net loans and leases to core deposits | 68.9326% | 4,422 |
| Total domestic deposits to total assets | 88.6644% | 1,416 |
| Equity capital to assets | 10.6147% | 3,413 |
| Core capital (leverage) ratio | 10.3875% | 3,174 |
| Tier 1 risk-based capital ratio | 17.4216% | 2,423 |
| Total risk-based capital ratio | 18.6917% | 2,378 |
| Memoranda: | ||
| Average total assets | $511,606,500 | 1,327 |
| Average earning assets | $492,445,000 | 1,259 |
| Average equity | $52,756,250 | 1,394 |
| Average total loans | $305,881,750 | 1,409 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 1,899 |
| Cost of funding earning assets | 0.6452% | 1,546 |
| Net interest margin | 3.8337% | 2,437 |
| Noninterest income to average assets | 0.3134% | 4,907 |
| Noninterest expense to average assets | 2.0848% | 5,657 |
| Loan and lease loss provision to assets | 0.7955% | 155 |
| Net operating income to assets | 1.0975% | 1,953 |
| Return on assets (ROA) | 1.1002% | 2,008 |
| Pretax return on assets | 1.1255% | 2,991 |
| Return on Equity (ROE) | 10.7791% | 1,815 |
| Retained earnings to average equity (ytd only) | 3.0438% | 4,273 |
| Net charge-offs to loans | 0.1401% | 2,267 |
| Credit loss provision to net charge-offs | 932.8704% | 353 |
| Earnings coverage of net charge-offs (x) | 22.4954% | 1,508 |
| Efficiency ratio | 51.3807% | 6,106 |
| Assets per employee ($millions) | 6.4493% | 1,039 |
| Cash dividends to net income (ytd only)* | 71.7618% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7640% | 490 |
| Loan loss allowance to noncurrent loans | 58.9639% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 3.0008% | 846 |
| Noncurrent loans to loans | 4.6877% | 456 |
| Net loans and leases to total assets | 57.2542% | 4,083 |
| Net loans and leases to deposits | 64.3793% | 4,462 |
| Net loans and leases to core deposits | 71.5589% | 4,091 |
| Total domestic deposits to total assets | 88.9326% | 1,394 |
| Equity capital to assets | 10.2948% | 3,703 |
| Core capital (leverage) ratio | 10.0720% | 3,503 |
| Tier 1 risk-based capital ratio | 16.4276% | 2,862 |
| Total risk-based capital ratio | 17.6951% | 2,817 |
| Memoranda: | ||
| Average total assets | $506,627,330 | 1,331 |
| Average earning assets | $487,570,670 | 1,266 |
| Average equity | $51,711,330 | 1,405 |
| Average total loans | $308,278,330 | 1,403 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 2,055 |
| Cost of funding earning assets | 0.6529% | 1,565 |
| Net interest margin | 3.7690% | 2,600 |
| Noninterest income to average assets | 0.2623% | 5,265 |
| Noninterest expense to average assets | 2.1237% | 5,633 |
| Loan and lease loss provision to assets | 0.8421% | 137 |
| Net operating income to assets | 0.8983% | 2,664 |
| Return on assets (ROA) | 0.8983% | 2,725 |
| Pretax return on assets | 0.9215% | 3,618 |
| Return on Equity (ROE) | 8.8402% | 2,535 |
| Retained earnings to average equity (ytd only) | 8.8402% | 1,297 |
| Net charge-offs to loans | 0.0985% | 2,181 |
| Credit loss provision to net charge-offs | 1,381.5789% | 244 |
| Earnings coverage of net charge-offs (x) | 28.9342% | 1,071 |
| Efficiency ratio | 53.8477% | 6,024 |
| Assets per employee ($millions) | 7.0944% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4002% | 910 |
| Loan loss allowance to noncurrent loans | 58.9722% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.8218% | 1,051 |
| Noncurrent loans to loans | 4.0700% | 655 |
| Net loans and leases to total assets | 60.2778% | 3,515 |
| Net loans and leases to deposits | 67.5060% | 3,915 |
| Net loans and leases to core deposits | 75.2895% | 3,491 |
| Total domestic deposits to total assets | 89.2925% | 1,474 |
| Equity capital to assets | 10.0253% | 3,814 |
| Core capital (leverage) ratio | 10.6713% | 2,737 |
| Tier 1 risk-based capital ratio | 16.5432% | 2,877 |
| Total risk-based capital ratio | 17.8075% | 2,841 |
| Memoranda: | ||
| Average total assets | $498,745,500 | 1,356 |
| Average earning assets | $479,701,500 | 1,289 |
| Average equity | $50,677,500 | 1,430 |
| Average total loans | $308,621,000 | 1,404 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8798% | 1,131 |
| Cost of funding earning assets | 0.7689% | 1,386 |
| Net interest margin | 4.1108% | 1,611 |
| Noninterest income to average assets | 0.4671% | 3,982 |
| Noninterest expense to average assets | 2.1829% | 5,674 |
| Loan and lease loss provision to assets | 0.8976% | 216 |
| Net operating income to assets | 1.2609% | 1,358 |
| Return on assets (ROA) | 1.2745% | 1,372 |
| Pretax return on assets | 1.3255% | 2,053 |
| Return on Equity (ROE) | 12.0680% | 1,397 |
| Retained earnings to average equity (ytd only) | 2.1897% | 4,690 |
| Net charge-offs to loans | 0.8002% | 785 |
| Credit loss provision to net charge-offs | 176.1194% | 1,300 |
| Earnings coverage of net charge-offs (x) | 4.3343% | 3,598 |
| Efficiency ratio | 48.8915% | 6,452 |
| Assets per employee ($millions) | 6.3947% | 1,037 |
| Cash dividends to net income (ytd only)* | 81.8554% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2539% | 1,113 |
| Loan loss allowance to noncurrent loans | 50.5734% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 3.1801% | 967 |
| Noncurrent loans to loans | 4.4567% | 598 |
| Net loans and leases to total assets | 60.6107% | 3,608 |
| Net loans and leases to deposits | 68.1720% | 4,026 |
| Net loans and leases to core deposits | 76.8231% | 3,514 |
| Total domestic deposits to total assets | 88.9085% | 1,688 |
| Equity capital to assets | 10.3075% | 3,388 |
| Core capital (leverage) ratio | 10.7797% | 2,592 |
| Tier 1 risk-based capital ratio | 16.6801% | 2,768 |
| Total risk-based capital ratio | 17.9415% | 2,719 |
| Memoranda: | ||
| Average total assets | $460,118,000 | 1,434 |
| Average earning assets | $439,302,800 | 1,384 |
| Average equity | $48,591,400 | 1,454 |
| Average total loans | $293,052,800 | 1,447 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9565% | 1,021 |
| Cost of funding earning assets | 0.7903% | 1,380 |
| Net interest margin | 4.1662% | 1,436 |
| Noninterest income to average assets | 0.4554% | 4,120 |
| Noninterest expense to average assets | 2.0984% | 5,830 |
| Loan and lease loss provision to assets | 0.9551% | 176 |
| Net operating income to assets | 1.3211% | 1,290 |
| Return on assets (ROA) | 1.3346% | 1,307 |
| Pretax return on assets | 1.3885% | 1,966 |
| Return on Equity (ROE) | 12.5585% | 1,343 |
| Retained earnings to average equity (ytd only) | 0.7083% | 5,693 |
| Net charge-offs to loans | 0.5576% | 1,136 |
| Credit loss provision to net charge-offs | 267.0762% | 940 |
| Earnings coverage of net charge-offs (x) | 6.5143% | 2,960 |
| Efficiency ratio | 46.5573% | 6,566 |
| Assets per employee ($millions) | 6.2850% | 1,052 |
| Cash dividends to net income (ytd only)* | 94.3603% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3017% | 1,181 |
| Loan loss allowance to noncurrent loans | 51.8248% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 3.5703% | 938 |
| Noncurrent loans to loans | 4.4414% | 742 |
| Net loans and leases to total assets | 61.8296% | 3,388 |
| Net loans and leases to deposits | 69.1945% | 3,908 |
| Net loans and leases to core deposits | 78.2570% | 3,324 |
| Total domestic deposits to total assets | 89.3562% | 1,383 |
| Equity capital to assets | 9.9067% | 4,042 |
| Core capital (leverage) ratio | 10.4307% | 3,088 |
| Tier 1 risk-based capital ratio | 15.6126% | 3,397 |
| Total risk-based capital ratio | 16.8743% | 3,351 |
| Memoranda: | ||
| Average total assets | $455,247,000 | 1,466 |
| Average earning assets | $434,084,250 | 1,407 |
| Average equity | $48,380,500 | 1,468 |
| Average total loans | $291,967,750 | 1,451 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8367% | 1,249 |
| Cost of funding earning assets | 0.8010% | 1,406 |
| Net interest margin | 4.0356% | 1,746 |
| Noninterest income to average assets | 0.3604% | 4,810 |
| Noninterest expense to average assets | 2.0242% | 6,003 |
| Loan and lease loss provision to assets | 1.6629% | 70 |
| Net operating income to assets | 0.4575% | 4,981 |
| Return on assets (ROA) | 0.4712% | 5,099 |
| Pretax return on assets | 0.5346% | 5,252 |
| Return on Equity (ROE) | 4.3296% | 5,081 |
| Retained earnings to average equity (ytd only) | -13.3172% | 6,736 |
| Net charge-offs to loans | 0.7660% | 831 |
| Credit loss provision to net charge-offs | 336.9231% | 772 |
| Earnings coverage of net charge-offs (x) | 4.4208% | 3,139 |
| Efficiency ratio | 47.2125% | 6,585 |
| Assets per employee ($millions) | 6.2426% | 1,053 |
| Cash dividends to net income (ytd only)* | 407.5829% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5572% | 920 |
| Loan loss allowance to noncurrent loans | 74.3049% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.9184% | 1,401 |
| Noncurrent loans to loans | 3.4415% | 1,240 |
| Net loans and leases to total assets | 61.3337% | 3,417 |
| Net loans and leases to deposits | 68.7208% | 3,904 |
| Net loans and leases to core deposits | 78.5375% | 3,224 |
| Total domestic deposits to total assets | 89.2505% | 1,479 |
| Equity capital to assets | 9.3631% | 4,766 |
| Core capital (leverage) ratio | 10.0860% | 3,391 |
| Tier 1 risk-based capital ratio | 14.8187% | 3,896 |
| Total risk-based capital ratio | 16.0832% | 3,852 |
| Memoranda: | ||
| Average total assets | $447,776,670 | 1,483 |
| Average earning assets | $426,699,330 | 1,430 |
| Average equity | $48,734,000 | 1,465 |
| Average total loans | $288,526,330 | 1,463 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 840 |
| Cost of funding earning assets | 0.8145% | 1,449 |
| Net interest margin | 4.2222% | 1,133 |
| Noninterest income to average assets | 0.2870% | 5,407 |
| Noninterest expense to average assets | 2.0824% | 5,948 |
| Loan and lease loss provision to assets | 0.8227% | 260 |
| Net operating income to assets | 1.3090% | 1,255 |
| Return on assets (ROA) | 1.3200% | 1,330 |
| Pretax return on assets | 1.4169% | 1,807 |
| Return on Equity (ROE) | 11.2852% | 1,625 |
| Retained earnings to average equity (ytd only) | 9.7222% | 1,175 |
| Net charge-offs to loans | -0.0070% | 5,342 |
| Credit loss provision to net charge-offs | -18,000.0000% | 5,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3383% | 6,638 |
| Assets per employee ($millions) | 6.1465% | 1,166 |
| Cash dividends to net income (ytd only)* | 13.8504% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 1,927 |
| Loan loss allowance to noncurrent loans | 163.6594% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 1.4620% | 3,062 |
| Noncurrent loans to loans | 1.2501% | 3,684 |
| Net loans and leases to total assets | 62.1328% | 3,037 |
| Net loans and leases to deposits | 70.7586% | 3,357 |
| Net loans and leases to core deposits | 81.0516% | 2,688 |
| Total domestic deposits to total assets | 87.8095% | 2,451 |
| Equity capital to assets | 11.4847% | 2,424 |
| Core capital (leverage) ratio | 11.4837% | 1,896 |
| Tier 1 risk-based capital ratio | 16.8388% | 2,839 |
| Total risk-based capital ratio | 18.0974% | 2,801 |
| Memoranda: | ||
| Average total assets | $437,566,000 | 1,537 |
| Average earning assets | $416,939,500 | 1,479 |
| Average equity | $51,182,000 | 1,418 |
| Average total loans | $285,440,000 | 1,484 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3857% | 781 |
| Cost of funding earning assets | 0.9423% | 1,690 |
| Net interest margin | 4.4435% | 1,063 |
| Noninterest income to average assets | 3.5068% | 211 |
| Noninterest expense to average assets | 2.2184% | 5,888 |
| Loan and lease loss provision to assets | 1.2424% | 286 |
| Net operating income to assets | 4.2821% | 55 |
| Return on assets (ROA) | 4.3294% | 54 |
| Pretax return on assets | 4.3294% | 70 |
| Return on Equity (ROE) | 39.4712% | 25 |
| Retained earnings to average equity (ytd only) | 26.4181% | 23 |
| Net charge-offs to loans | 1.2537% | 788 |
| Credit loss provision to net charge-offs | 156.3359% | 1,728 |
| Earnings coverage of net charge-offs (x) | 6.9515% | 2,706 |
| Efficiency ratio | 28.0870% | 7,028 |
| Assets per employee ($millions) | 5.5382% | 1,653 |
| Cash dividends to net income (ytd only)* | 33.0699% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 2,870 |
| Loan loss allowance to noncurrent loans | 212.7163% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 3,528 |
| Noncurrent loans to loans | 0.8076% | 4,574 |
| Net loans and leases to total assets | 65.9775% | 2,531 |
| Net loans and leases to deposits | 75.6714% | 2,856 |
| Net loans and leases to core deposits | 86.3626% | 2,265 |
| Total domestic deposits to total assets | 87.1895% | 2,713 |
| Equity capital to assets | 11.9204% | 2,099 |
| Core capital (leverage) ratio | 11.6032% | 1,803 |
| Tier 1 risk-based capital ratio | 16.3803% | 2,948 |
| Total risk-based capital ratio | 17.6351% | 2,905 |
| Memoranda: | ||
| Average total assets | $412,089,800 | 1,590 |
| Average earning assets | $392,870,200 | 1,530 |
| Average equity | $45,200,000 | 1,539 |
| Average total loans | $261,233,000 | 1,582 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 1,052 |
| Cost of funding earning assets | 0.9725% | 1,725 |
| Net interest margin | 4.3046% | 1,447 |
| Noninterest income to average assets | 4.3468% | 168 |
| Noninterest expense to average assets | 2.3131% | 5,651 |
| Loan and lease loss provision to assets | 0.7833% | 615 |
| Net operating income to assets | 5.3563% | 37 |
| Return on assets (ROA) | 5.3962% | 37 |
| Pretax return on assets | 5.3962% | 52 |
| Return on Equity (ROE) | 50.3370% | 15 |
| Retained earnings to average equity (ytd only) | 33.2870% | 23 |
| Net charge-offs to loans | 0.1668% | 3,785 |
| Credit loss provision to net charge-offs | 752.3511% | 370 |
| Earnings coverage of net charge-offs (x) | 58.9690% | 660 |
| Efficiency ratio | 26.8592% | 7,131 |
| Assets per employee ($millions) | 5.5328% | 1,607 |
| Cash dividends to net income (ytd only)* | 33.8716% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 2,702 |
| Loan loss allowance to noncurrent loans | 60.2103% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.2866% | 2,329 |
| Noncurrent loans to loans | 3.0392% | 1,832 |
| Net loans and leases to total assets | 65.7561% | 2,700 |
| Net loans and leases to deposits | 75.5432% | 3,053 |
| Net loans and leases to core deposits | 86.5961% | 2,391 |
| Total domestic deposits to total assets | 87.0444% | 2,641 |
| Equity capital to assets | 12.0593% | 2,207 |
| Core capital (leverage) ratio | 11.2078% | 2,209 |
| Tier 1 risk-based capital ratio | 16.5082% | 2,996 |
| Total risk-based capital ratio | 17.7645% | 2,958 |
| Memoranda: | ||
| Average total assets | $408,502,750 | 1,612 |
| Average earning assets | $389,650,750 | 1,557 |
| Average equity | $43,791,750 | 1,610 |
| Average total loans | $254,973,500 | 1,635 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9552% | 1,915 |
| Cost of funding earning assets | 0.9907% | 1,822 |
| Net interest margin | 3.9645% | 2,659 |
| Noninterest income to average assets | 6.5314% | 105 |
| Noninterest expense to average assets | 2.4005% | 5,463 |
| Loan and lease loss provision to assets | 0.8405% | 582 |
| Net operating income to assets | 7.0693% | 30 |
| Return on assets (ROA) | 7.0812% | 30 |
| Pretax return on assets | 7.0812% | 44 |
| Return on Equity (ROE) | 69.0444% | 7 |
| Retained earnings to average equity (ytd only) | 67.3571% | 3 |
| Net charge-offs to loans | 0.0024% | 5,482 |
| Credit loss provision to net charge-offs | 56,666.6667% | 1 |
| Earnings coverage of net charge-offs (x) | 5,332.6667% | 2 |
| Efficiency ratio | 22.9224% | 7,202 |
| Assets per employee ($millions) | 5.9865% | 1,238 |
| Cash dividends to net income (ytd only)* | 2.4438% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7423% | 3,061 |
| Loan loss allowance to noncurrent loans | 89.1256% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 2.3271% | 2,401 |
| Noncurrent loans to loans | 1.9549% | 2,996 |
| Net loans and leases to total assets | 60.7236% | 3,679 |
| Net loans and leases to deposits | 68.7546% | 4,083 |
| Net loans and leases to core deposits | 79.6531% | 3,261 |
| Total domestic deposits to total assets | 88.3192% | 1,948 |
| Equity capital to assets | 10.8404% | 3,298 |
| Core capital (leverage) ratio | 10.0443% | 3,361 |
| Tier 1 risk-based capital ratio | 16.1187% | 3,113 |
| Total risk-based capital ratio | 17.3740% | 3,073 |
| Memoranda: | ||
| Average total assets | $404,507,000 | 1,632 |
| Average earning assets | $385,576,000 | 1,573 |
| Average equity | $41,486,330 | 1,688 |
| Average total loans | $246,080,670 | 1,680 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 4,877 |
| Cost of funding earning assets | 0.9869% | 2,054 |
| Net interest margin | 3.2769% | 5,549 |
| Noninterest income to average assets | 14.7371% | 52 |
| Noninterest expense to average assets | 2.4794% | 5,216 |
| Loan and lease loss provision to assets | 1.1421% | 346 |
| Net operating income to assets | 14.2460% | 10 |
| Return on assets (ROA) | 14.2460% | 10 |
| Pretax return on assets | 14.2460% | 22 |
| Return on Equity (ROE) | 143.6077% | 4 |
| Retained earnings to average equity (ytd only) | 143.6077% | 2 |
| Net charge-offs to loans | -0.0103% | 5,956 |
| Credit loss provision to net charge-offs | -18,333.3333% | 6,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.7661% | 7,286 |
| Assets per employee ($millions) | 7.2932% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 4,128 |
| Loan loss allowance to noncurrent loans | 16.2588% | 6,657 |
| Noncurrent assets plus other real estate owned to assets | 6.4228% | 705 |
| Noncurrent loans to loans | 9.2553% | 351 |
| Net loans and leases to total assets | 56.8262% | 4,242 |
| Net loans and leases to deposits | 64.4285% | 4,574 |
| Net loans and leases to core deposits | 74.0922% | 3,891 |
| Total domestic deposits to total assets | 88.2004% | 2,186 |
| Equity capital to assets | 9.3776% | 4,994 |
| Core capital (leverage) ratio | 13.7981% | 856 |
| Tier 1 risk-based capital ratio | 14.9263% | 3,804 |
| Total risk-based capital ratio | 16.1786% | 3,767 |
| Memoranda: | ||
| Average total assets | $385,260,000 | 1,721 |
| Average earning assets | $368,033,000 | 1,642 |
| Average equity | $38,218,000 | 1,821 |
| Average total loans | $232,233,000 | 1,774 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8088% | 632 |
| Cost of funding earning assets | 1.4351% | 903 |
| Net interest margin | 4.3737% | 1,470 |
| Noninterest income to average assets | 2.3140% | 301 |
| Noninterest expense to average assets | 2.1675% | 6,335 |
| Loan and lease loss provision to assets | 2.1898% | 236 |
| Net operating income to assets | 2.1018% | 262 |
| Return on assets (ROA) | 2.1400% | 267 |
| Pretax return on assets | 2.1400% | 415 |
| Return on Equity (ROE) | 19.2946% | 296 |
| Retained earnings to average equity (ytd only) | 19.2946% | 58 |
| Net charge-offs to loans | 3.1343% | 289 |
| Credit loss provision to net charge-offs | 100.7326% | 3,463 |
| Earnings coverage of net charge-offs (x) | 1.9742% | 4,304 |
| Efficiency ratio | 33.4772% | 7,269 |
| Assets per employee ($millions) | 5.5610% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6455% | 3,397 |
| Loan loss allowance to noncurrent loans | 241.3983% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 4,290 |
| Noncurrent loans to loans | 0.6816% | 5,336 |
| Net loans and leases to total assets | 63.5200% | 3,288 |
| Net loans and leases to deposits | 72.9911% | 3,668 |
| Net loans and leases to core deposits | 92.7701% | 1,817 |
| Total domestic deposits to total assets | 87.0243% | 2,747 |
| Equity capital to assets | 10.8230% | 3,166 |
| Core capital (leverage) ratio | 10.9340% | 2,319 |
| Tier 1 risk-based capital ratio | 15.4241% | 3,376 |
| Total risk-based capital ratio | 16.6779% | 3,328 |
| Memoranda: | ||
| Average total assets | $251,169,200 | 2,509 |
| Average earning assets | $238,036,200 | 2,422 |
| Average equity | $27,857,600 | 2,339 |
| Average total loans | $174,200,600 | 2,324 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9019% | 559 |
| Cost of funding earning assets | 1.4956% | 878 |
| Net interest margin | 4.4064% | 1,389 |
| Noninterest income to average assets | 0.6985% | 2,620 |
| Noninterest expense to average assets | 2.0386% | 6,615 |
| Loan and lease loss provision to assets | 0.9379% | 940 |
| Net operating income to assets | 1.8946% | 427 |
| Return on assets (ROA) | 1.9470% | 422 |
| Pretax return on assets | 1.9470% | 695 |
| Return on Equity (ROE) | 17.4282% | 520 |
| Retained earnings to average equity (ytd only) | 17.4282% | 128 |
| Net charge-offs to loans | 0.5744% | 2,525 |
| Credit loss provision to net charge-offs | 230.6649% | 1,236 |
| Earnings coverage of net charge-offs (x) | 6.9661% | 2,444 |
| Efficiency ratio | 41.8507% | 7,214 |
| Assets per employee ($millions) | 5.6984% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3016% | 1,686 |
| Loan loss allowance to noncurrent loans | 389.4737% | 834 |
| Noncurrent assets plus other real estate owned to assets | 1.4035% | 4,027 |
| Noncurrent loans to loans | 0.5910% | 5,692 |
| Net loans and leases to total assets | 67.6505% | 2,548 |
| Net loans and leases to deposits | 78.8695% | 2,835 |
| Net loans and leases to core deposits | 109.0811% | 720 |
| Total domestic deposits to total assets | 85.7751% | 3,340 |
| Equity capital to assets | 11.7956% | 2,416 |
| Core capital (leverage) ratio | 11.6267% | 1,938 |
| Tier 1 risk-based capital ratio | 16.0623% | 3,085 |
| Total risk-based capital ratio | 17.3244% | 3,038 |
| Memoranda: | ||
| Average total assets | $241,668,500 | 2,627 |
| Average earning assets | $228,845,500 | 2,529 |
| Average equity | $26,997,750 | 2,395 |
| Average total loans | $171,062,000 | 2,379 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9167% | 556 |
| Cost of funding earning assets | 1.5420% | 859 |
| Net interest margin | 4.3747% | 1,453 |
| Noninterest income to average assets | 0.9177% | 1,594 |
| Noninterest expense to average assets | 2.1010% | 6,589 |
| Loan and lease loss provision to assets | 0.8800% | 1,014 |
| Net operating income to assets | 2.0784% | 308 |
| Return on assets (ROA) | 2.1161% | 302 |
| Pretax return on assets | 2.1161% | 474 |
| Return on Equity (ROE) | 19.3200% | 359 |
| Retained earnings to average equity (ytd only) | 19.3200% | 109 |
| Net charge-offs to loans | 0.8249% | 1,858 |
| Credit loss provision to net charge-offs | 149.5726% | 2,049 |
| Earnings coverage of net charge-offs (x) | 5.0285% | 2,709 |
| Efficiency ratio | 41.5272% | 7,310 |
| Assets per employee ($millions) | 5.3998% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0482% | 2,239 |
| Loan loss allowance to noncurrent loans | 124.6222% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 2.1912% | 2,996 |
| Noncurrent loans to loans | 1.6435% | 3,945 |
| Net loans and leases to total assets | 68.0539% | 2,599 |
| Net loans and leases to deposits | 79.6506% | 2,856 |
| Net loans and leases to core deposits | 114.5470% | 562 |
| Total domestic deposits to total assets | 85.4405% | 3,651 |
| Equity capital to assets | 11.9365% | 2,136 |
| Core capital (leverage) ratio | 11.6196% | 1,835 |
| Tier 1 risk-based capital ratio | 16.2849% | 2,840 |
| Total risk-based capital ratio | 17.5444% | 2,807 |
| Memoranda: | ||
| Average total assets | $238,648,000 | 2,671 |
| Average earning assets | $225,935,330 | 2,570 |
| Average equity | $26,138,670 | 2,449 |
| Average total loans | $170,210,670 | 2,412 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8976% | 602 |
| Cost of funding earning assets | 1.5759% | 895 |
| Net interest margin | 4.3217% | 1,504 |
| Noninterest income to average assets | 0.9583% | 1,438 |
| Noninterest expense to average assets | 2.2143% | 6,388 |
| Loan and lease loss provision to assets | 0.7526% | 1,131 |
| Net operating income to assets | 2.0872% | 305 |
| Return on assets (ROA) | 2.0872% | 320 |
| Pretax return on assets | 2.0872% | 484 |
| Return on Equity (ROE) | 19.9457% | 330 |
| Retained earnings to average equity (ytd only) | 19.9457% | 164 |
| Net charge-offs to loans | 0.1366% | 3,698 |
| Credit loss provision to net charge-offs | 762.7119% | 493 |
| Earnings coverage of net charge-offs (x) | 28.7797% | 851 |
| Efficiency ratio | 43.8120% | 7,287 |
| Assets per employee ($millions) | 5.5501% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9908% | 2,447 |
| Loan loss allowance to noncurrent loans | 179.0795% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 1.6685% | 3,749 |
| Noncurrent loans to loans | 1.1117% | 4,842 |
| Net loans and leases to total assets | 70.6326% | 2,000 |
| Net loans and leases to deposits | 83.0418% | 2,183 |
| Net loans and leases to core deposits | 120.7393% | 404 |
| Total domestic deposits to total assets | 85.0567% | 4,004 |
| Equity capital to assets | 10.7582% | 2,915 |
| Core capital (leverage) ratio | 10.5101% | 2,601 |
| Tier 1 risk-based capital ratio | 14.8290% | 3,523 |
| Total risk-based capital ratio | 16.0885% | 3,477 |
| Memoranda: | ||
| Average total assets | $239,176,500 | 2,674 |
| Average earning assets | $226,668,000 | 2,589 |
| Average equity | $25,028,000 | 2,540 |
| Average total loans | $172,780,500 | 2,392 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6745% | 1,666 |
| Cost of funding earning assets | 1.9246% | 778 |
| Net interest margin | 3.7498% | 4,153 |
| Noninterest income to average assets | 0.0112% | 7,244 |
| Noninterest expense to average assets | 2.0442% | 6,955 |
| Loan and lease loss provision to assets | 0.7367% | 2,229 |
| Net operating income to assets | 0.7661% | 2,932 |
| Return on assets (ROA) | 0.7713% | 3,043 |
| Pretax return on assets | 0.7713% | 3,722 |
| Return on Equity (ROE) | 7.8400% | 2,761 |
| Retained earnings to average equity (ytd only) | 7.8400% | 1,029 |
| Net charge-offs to loans | 0.4753% | 3,716 |
| Credit loss provision to net charge-offs | 226.4276% | 1,307 |
| Earnings coverage of net charge-offs (x) | 4.6189% | 2,863 |
| Efficiency ratio | 57.6319% | 6,381 |
| Assets per employee ($millions) | 5.8463% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7474% | 3,043 |
| Loan loss allowance to noncurrent loans | 158.6297% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 3,811 |
| Noncurrent loans to loans | 1.1016% | 4,898 |
| Net loans and leases to total assets | 71.1461% | 2,272 |
| Net loans and leases to deposits | 82.8487% | 2,651 |
| Net loans and leases to core deposits | 123.6343% | 434 |
| Total domestic deposits to total assets | 85.8747% | 3,425 |
| Equity capital to assets | 10.1716% | 3,529 |
| Core capital (leverage) ratio | 9.9022% | 3,206 |
| Tier 1 risk-based capital ratio | 14.1419% | 3,774 |
| Total risk-based capital ratio | 15.3988% | 3,726 |
| Memoranda: | ||
| Average total assets | $231,435,400 | 2,735 |
| Average earning assets | $218,222,400 | 2,653 |
| Average equity | $22,768,000 | 2,795 |
| Average total loans | $158,415,000 | 2,635 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 1,777 |
| Cost of funding earning assets | 1.9756% | 809 |
| Net interest margin | 3.7055% | 4,377 |
| Noninterest income to average assets | 0.5162% | 4,055 |
| Noninterest expense to average assets | 2.2781% | 6,389 |
| Loan and lease loss provision to assets | 0.7243% | 2,109 |
| Net operating income to assets | 1.0039% | 2,222 |
| Return on assets (ROA) | 1.0109% | 2,318 |
| Pretax return on assets | 1.0109% | 3,143 |
| Return on Equity (ROE) | 10.3673% | 1,987 |
| Retained earnings to average equity (ytd only) | 10.3673% | 708 |
| Net charge-offs to loans | 0.3872% | 3,738 |
| Credit loss provision to net charge-offs | 277.5056% | 1,175 |
| Earnings coverage of net charge-offs (x) | 6.6214% | 2,489 |
| Efficiency ratio | 56.8630% | 6,430 |
| Assets per employee ($millions) | 5.9795% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 2,665 |
| Loan loss allowance to noncurrent loans | 71.9500% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.9957% | 2,427 |
| Noncurrent loans to loans | 2.5560% | 3,068 |
| Net loans and leases to total assets | 64.2260% | 4,079 |
| Net loans and leases to deposits | 73.3249% | 4,634 |
| Net loans and leases to core deposits | 113.8682% | 841 |
| Total domestic deposits to total assets | 87.5909% | 2,216 |
| Equity capital to assets | 9.7580% | 4,465 |
| Core capital (leverage) ratio | 9.7458% | 3,561 |
| Tier 1 risk-based capital ratio | 14.3612% | 3,589 |
| Total risk-based capital ratio | 15.6182% | 3,551 |
| Memoranda: | ||
| Average total assets | $229,370,000 | 2,797 |
| Average earning assets | $216,031,250 | 2,712 |
| Average equity | $22,364,750 | 2,880 |
| Average total loans | $154,626,750 | 2,735 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8299% | 1,346 |
| Cost of funding earning assets | 2.0062% | 900 |
| Net interest margin | 3.8237% | 3,796 |
| Noninterest income to average assets | 0.4909% | 4,185 |
| Noninterest expense to average assets | 2.3901% | 6,088 |
| Loan and lease loss provision to assets | 0.5971% | 2,396 |
| Net operating income to assets | 1.1066% | 1,836 |
| Return on assets (ROA) | 1.1128% | 1,879 |
| Pretax return on assets | 1.1128% | 2,742 |
| Return on Equity (ROE) | 11.4156% | 1,619 |
| Retained earnings to average equity (ytd only) | 11.4156% | 578 |
| Net charge-offs to loans | 0.3286% | 3,680 |
| Credit loss provision to net charge-offs | 266.7984% | 1,417 |
| Earnings coverage of net charge-offs (x) | 7.6126% | 2,273 |
| Efficiency ratio | 58.3838% | 6,324 |
| Assets per employee ($millions) | 5.4181% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 3,593 |
| Loan loss allowance to noncurrent loans | 33.8243% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 4.0046% | 1,727 |
| Noncurrent loans to loans | 4.6346% | 1,553 |
| Net loans and leases to total assets | 67.4586% | 3,506 |
| Net loans and leases to deposits | 77.0179% | 4,155 |
| Net loans and leases to core deposits | 125.5522% | 527 |
| Total domestic deposits to total assets | 87.5882% | 2,210 |
| Equity capital to assets | 9.7815% | 4,294 |
| Core capital (leverage) ratio | 9.7260% | 3,506 |
| Tier 1 risk-based capital ratio | 13.8888% | 3,808 |
| Total risk-based capital ratio | 15.1422% | 3,769 |
| Memoranda: | ||
| Average total assets | $226,100,330 | 2,860 |
| Average earning assets | $213,040,000 | 2,773 |
| Average equity | $22,040,000 | 2,917 |
| Average total loans | $154,004,670 | 2,776 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9426% | 1,095 |
| Cost of funding earning assets | 2.0120% | 1,044 |
| Net interest margin | 3.9306% | 3,196 |
| Noninterest income to average assets | 0.4761% | 4,235 |
| Noninterest expense to average assets | 2.3084% | 6,352 |
| Loan and lease loss provision to assets | 0.5389% | 2,349 |
| Net operating income to assets | 1.3312% | 1,225 |
| Return on assets (ROA) | 1.3348% | 1,285 |
| Pretax return on assets | 1.3348% | 1,951 |
| Return on Equity (ROE) | 13.7177% | 1,104 |
| Retained earnings to average equity (ytd only) | 13.7177% | 538 |
| Net charge-offs to loans | 0.6721% | 2,146 |
| Credit loss provision to net charge-offs | 118.1102% | 2,959 |
| Earnings coverage of net charge-offs (x) | 4.0984% | 2,708 |
| Efficiency ratio | 55.2451% | 6,855 |
| Assets per employee ($millions) | 5.3878% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,510 |
| Loan loss allowance to noncurrent loans | 26.6675% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 4.3776% | 1,554 |
| Noncurrent loans to loans | 5.1813% | 1,382 |
| Net loans and leases to total assets | 67.0872% | 3,608 |
| Net loans and leases to deposits | 76.5427% | 4,312 |
| Net loans and leases to core deposits | 131.3164% | 455 |
| Total domestic deposits to total assets | 87.6468% | 2,264 |
| Equity capital to assets | 9.7473% | 4,174 |
| Core capital (leverage) ratio | 9.8870% | 3,298 |
| Tier 1 risk-based capital ratio | 13.9039% | 3,723 |
| Total risk-based capital ratio | 15.1551% | 3,682 |
| Memoranda: | ||
| Average total assets | $222,660,500 | 2,956 |
| Average earning assets | $209,739,000 | 2,878 |
| Average equity | $21,665,500 | 2,984 |
| Average total loans | $151,173,000 | 2,874 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1170% | 1,472 |
| Cost of funding earning assets | 2.5591% | 876 |
| Net interest margin | 3.5579% | 4,705 |
| Noninterest income to average assets | 0.5957% | 3,665 |
| Noninterest expense to average assets | 2.4486% | 6,308 |
| Loan and lease loss provision to assets | 0.8557% | 2,598 |
| Net operating income to assets | 0.6442% | 3,162 |
| Return on assets (ROA) | 0.6555% | 3,166 |
| Pretax return on assets | 0.6555% | 3,722 |
| Return on Equity (ROE) | 7.1674% | 2,727 |
| Retained earnings to average equity (ytd only) | 7.1674% | 911 |
| Net charge-offs to loans | 0.7865% | 2,861 |
| Credit loss provision to net charge-offs | 161.7757% | 2,732 |
| Earnings coverage of net charge-offs (x) | 2.8355% | 3,671 |
| Efficiency ratio | 62.0133% | 6,153 |
| Assets per employee ($millions) | 5.4758% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 4,226 |
| Loan loss allowance to noncurrent loans | 67.6748% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.7769% | 3,707 |
| Noncurrent loans to loans | 2.0720% | 3,558 |
| Net loans and leases to total assets | 66.8062% | 3,968 |
| Net loans and leases to deposits | 76.1624% | 4,719 |
| Net loans and leases to core deposits | 123.7260% | 1,658 |
| Total domestic deposits to total assets | 87.7155% | 2,115 |
| Equity capital to assets | 9.7127% | 4,134 |
| Core capital (leverage) ratio | 9.9186% | 3,172 |
| Tier 1 risk-based capital ratio | 13.8493% | 3,601 |
| Total risk-based capital ratio | 15.1008% | 3,544 |
| Memoranda: | ||
| Average total assets | $202,280,400 | 3,157 |
| Average earning assets | $190,617,000 | 3,086 |
| Average equity | $18,500,400 | 3,427 |
| Average total loans | $136,048,600 | 3,153 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3003% | 1,138 |
| Cost of funding earning assets | 2.6990% | 793 |
| Net interest margin | 3.6013% | 4,478 |
| Noninterest income to average assets | 0.7215% | 2,876 |
| Noninterest expense to average assets | 2.4352% | 6,292 |
| Loan and lease loss provision to assets | 0.3365% | 4,317 |
| Net operating income to assets | 1.3428% | 1,135 |
| Return on assets (ROA) | 1.3569% | 1,169 |
| Pretax return on assets | 1.3569% | 1,808 |
| Return on Equity (ROE) | 15.0948% | 760 |
| Retained earnings to average equity (ytd only) | 15.0948% | 159 |
| Net charge-offs to loans | 0.1264% | 5,434 |
| Credit loss provision to net charge-offs | 396.8254% | 1,004 |
| Earnings coverage of net charge-offs (x) | 19.8011% | 1,266 |
| Efficiency ratio | 59.1853% | 6,534 |
| Assets per employee ($millions) | 5.2730% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 4,707 |
| Loan loss allowance to noncurrent loans | 65.3552% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.4906% | 4,140 |
| Noncurrent loans to loans | 1.9394% | 3,718 |
| Net loans and leases to total assets | 66.2532% | 4,371 |
| Net loans and leases to deposits | 75.3217% | 5,154 |
| Net loans and leases to core deposits | 122.8123% | 2,009 |
| Total domestic deposits to total assets | 87.9604% | 1,673 |
| Equity capital to assets | 9.2859% | 5,059 |
| Core capital (leverage) ratio | 9.3575% | 4,103 |
| Tier 1 risk-based capital ratio | 13.0261% | 4,173 |
| Total risk-based capital ratio | 14.2262% | 4,136 |
| Memoranda: | ||
| Average total assets | $198,092,500 | 3,220 |
| Average earning assets | $186,631,750 | 3,155 |
| Average equity | $17,807,000 | 3,562 |
| Average total loans | $132,958,750 | 3,241 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5124% | 802 |
| Cost of funding earning assets | 2.7887% | 818 |
| Net interest margin | 3.7237% | 3,859 |
| Noninterest income to average assets | 0.5614% | 3,953 |
| Noninterest expense to average assets | 2.6510% | 5,555 |
| Loan and lease loss provision to assets | 0.1961% | 5,099 |
| Net operating income to assets | 1.2197% | 1,426 |
| Return on assets (ROA) | 1.2414% | 1,457 |
| Pretax return on assets | 1.2414% | 2,188 |
| Return on Equity (ROE) | 13.9770% | 992 |
| Retained earnings to average equity (ytd only) | 13.9770% | 256 |
| Net charge-offs to loans | 0.1737% | 4,495 |
| Credit loss provision to net charge-offs | 168.1416% | 2,737 |
| Earnings coverage of net charge-offs (x) | 12.1416% | 1,845 |
| Efficiency ratio | 65.1865% | 5,677 |
| Assets per employee ($millions) | 4.8615% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 5,587 |
| Loan loss allowance to noncurrent loans | 98.0996% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.9428% | 5,096 |
| Noncurrent loans to loans | 1.1237% | 4,974 |
| Net loans and leases to total assets | 65.7795% | 4,615 |
| Net loans and leases to deposits | 75.3881% | 5,263 |
| Net loans and leases to core deposits | 117.4264% | 2,594 |
| Total domestic deposits to total assets | 87.2545% | 2,123 |
| Equity capital to assets | 9.1428% | 5,108 |
| Core capital (leverage) ratio | 9.4187% | 4,003 |
| Tier 1 risk-based capital ratio | 12.8556% | 4,239 |
| Total risk-based capital ratio | 13.8859% | 4,329 |
| Memoranda: | ||
| Average total assets | $193,816,330 | 3,294 |
| Average earning assets | $182,452,670 | 3,234 |
| Average equity | $17,214,000 | 3,676 |
| Average total loans | $130,099,670 | 3,335 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6853% | 597 |
| Cost of funding earning assets | 2.8716% | 828 |
| Net interest margin | 3.8137% | 3,393 |
| Noninterest income to average assets | 0.5619% | 3,818 |
| Noninterest expense to average assets | 2.6358% | 5,294 |
| Loan and lease loss provision to assets | 0.1908% | 4,528 |
| Net operating income to assets | 1.3147% | 1,348 |
| Return on assets (ROA) | 1.3147% | 1,447 |
| Pretax return on assets | 1.3147% | 2,232 |
| Return on Equity (ROE) | 15.0422% | 968 |
| Retained earnings to average equity (ytd only) | 15.0422% | 409 |
| Net charge-offs to loans | 0.3552% | 2,666 |
| Credit loss provision to net charge-offs | 79.6460% | 4,194 |
| Earnings coverage of net charge-offs (x) | 6.2832% | 2,520 |
| Efficiency ratio | 63.6457% | 5,755 |
| Assets per employee ($millions) | 4.7453% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 5,649 |
| Loan loss allowance to noncurrent loans | 83.3035% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 5,039 |
| Noncurrent loans to loans | 1.2910% | 4,394 |
| Net loans and leases to total assets | 66.0475% | 4,573 |
| Net loans and leases to deposits | 73.9249% | 5,489 |
| Net loans and leases to core deposits | 113.9427% | 3,013 |
| Total domestic deposits to total assets | 89.3440% | 1,082 |
| Equity capital to assets | 8.6335% | 5,863 |
| Core capital (leverage) ratio | 8.8712% | 4,891 |
| Tier 1 risk-based capital ratio | 11.9722% | 4,984 |
| Total risk-based capital ratio | 12.9694% | 5,114 |
| Memoranda: | ||
| Average total assets | $188,633,500 | 3,373 |
| Average earning assets | $177,044,000 | 3,316 |
| Average equity | $16,487,000 | 3,843 |
| Average total loans | $127,246,000 | 3,422 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5291% | 2,809 |
| Cost of funding earning assets | 3.3597% | 784 |
| Net interest margin | 3.1694% | 6,467 |
| Noninterest income to average assets | 0.8272% | 2,370 |
| Noninterest expense to average assets | 2.9636% | 4,213 |
| Loan and lease loss provision to assets | 0.1599% | 5,335 |
| Net operating income to assets | 0.6267% | 4,200 |
| Return on assets (ROA) | 0.6267% | 4,047 |
| Pretax return on assets | 0.6267% | 4,607 |
| Return on Equity (ROE) | 7.0556% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.0556% | 1,132 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0265% | 2,748 |
| Assets per employee ($millions) | 4.4563% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 4,993 |
| Loan loss allowance to noncurrent loans | 98.6111% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 4,880 |
| Noncurrent loans to loans | 1.1557% | 4,219 |
| Net loans and leases to total assets | 67.4156% | 4,567 |
| Net loans and leases to deposits | 76.1421% | 5,578 |
| Net loans and leases to core deposits | 118.1478% | 2,866 |
| Total domestic deposits to total assets | 88.5392% | 1,230 |
| Equity capital to assets | 8.8539% | 5,559 |
| Core capital (leverage) ratio | 8.8998% | 4,889 |
| Tier 1 risk-based capital ratio | 12.0838% | 4,751 |
| Total risk-based capital ratio | 13.1445% | 4,808 |
| Memoranda: | ||
| Average total assets | $172,022,800 | 3,517 |
| Average earning assets | $158,643,000 | 3,494 |
| Average equity | $15,278,600 | 4,081 |
| Average total loans | $110,969,400 | 3,657 |