Home > Ireland Bank > Performance and Condition Ratios
Ireland Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 2,402 |
| Cost of funding earning assets | 0.8936% | 3,529 |
| Net interest margin | 3.9425% | 1,288 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 3.0411% | 1,061 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7796% | 2,938 |
| Return on assets (ROA) | 0.7920% | 2,873 |
| Pretax return on assets | 1.1313% | 2,317 |
| Return on Equity (ROE) | 13.1600% | 1,685 |
| Retained earnings to average equity (ytd only) | 8.3236% | 1,453 |
| Net charge-offs to loans | 0.0112% | 2,228 |
| Credit loss provision to net charge-offs | 1,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 184.3333% | 619 |
| Efficiency ratio | 71.4617% | 1,713 |
| Assets per employee ($millions) | 4.2217% | 4,074 |
| Cash dividends to net income (ytd only)* | 36.7418% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 1,804 |
| Loan loss allowance to noncurrent loans | 2,300.8403% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 3,434 |
| Noncurrent loans to loans | 0.0562% | 3,316 |
| Net loans and leases to total assets | 56.9100% | 3,127 |
| Net loans and leases to deposits | 66.1449% | 3,168 |
| Net loans and leases to core deposits | 69.6608% | 3,328 |
| Total domestic deposits to total assets | 86.0500% | 2,003 |
| Equity capital to assets | 6.6906% | 4,053 |
| Core capital (leverage) ratio | 9.7287% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7022% | 1,346 |
| Memoranda: | ||
| Average total assets | $364,278,600 | 2,143 |
| Average earning assets | $343,788,200 | 2,116 |
| Average equity | $21,925,600 | 2,703 |
| Average total loans | $213,768,000 | 2,203 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 2,361 |
| Cost of funding earning assets | 0.8009% | 3,511 |
| Net interest margin | 3.9542% | 1,291 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 3.0016% | 1,068 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.8661% | 2,811 |
| Return on assets (ROA) | 0.8747% | 2,761 |
| Pretax return on assets | 1.1946% | 2,310 |
| Return on Equity (ROE) | 14.9500% | 1,445 |
| Retained earnings to average equity (ytd only) | 10.5718% | 1,247 |
| Net charge-offs to loans | -0.0056% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.2429% | 1,756 |
| Assets per employee ($millions) | 4.2038% | 4,079 |
| Cash dividends to net income (ytd only)* | 29.3082% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 2,301 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 59.1100% | 2,927 |
| Net loans and leases to deposits | 69.2415% | 2,888 |
| Net loans and leases to core deposits | 72.3982% | 3,084 |
| Total domestic deposits to total assets | 85.3700% | 2,392 |
| Equity capital to assets | 6.2133% | 3,916 |
| Core capital (leverage) ratio | 9.7658% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5298% | 1,420 |
| Memoranda: | ||
| Average total assets | $363,525,250 | 2,149 |
| Average earning assets | $342,920,500 | 2,122 |
| Average equity | $21,263,500 | 2,743 |
| Average total loans | $214,264,750 | 2,200 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 2,318 |
| Cost of funding earning assets | 0.6739% | 3,559 |
| Net interest margin | 3.9716% | 1,291 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.9957% | 1,054 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.8784% | 2,828 |
| Return on assets (ROA) | 0.8914% | 2,770 |
| Pretax return on assets | 1.2216% | 2,309 |
| Return on Equity (ROE) | 15.5700% | 1,345 |
| Retained earnings to average equity (ytd only) | 11.0027% | 1,184 |
| Net charge-offs to loans | -0.0132% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.6667% | 1,793 |
| Assets per employee ($millions) | 4.0742% | 4,153 |
| Cash dividends to net income (ytd only)* | 29.3135% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 2,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.6800% | 2,899 |
| Net loans and leases to deposits | 68.3675% | 2,902 |
| Net loans and leases to core deposits | 72.2136% | 3,004 |
| Total domestic deposits to total assets | 85.8300% | 2,287 |
| Equity capital to assets | 5.9660% | 4,168 |
| Core capital (leverage) ratio | 9.5601% | 3,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3316% | 1,253 |
| Memoranda: | ||
| Average total assets | $362,790,667 | 2,156 |
| Average earning assets | $342,481,667 | 2,128 |
| Average equity | $20,776,667 | 2,794 |
| Average total loans | $212,736,333 | 2,207 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 2,338 |
| Cost of funding earning assets | 0.4300% | 3,882 |
| Net interest margin | 4.0612% | 1,158 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.9755% | 1,103 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.9962% | 2,541 |
| Return on assets (ROA) | 1.0101% | 2,465 |
| Pretax return on assets | 1.3683% | 1,964 |
| Return on Equity (ROE) | 15.0600% | 1,542 |
| Retained earnings to average equity (ytd only) | 7.7236% | 2,309 |
| Net charge-offs to loans | -0.0038% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.2444% | 2,068 |
| Assets per employee ($millions) | 3.9873% | 4,254 |
| Cash dividends to net income (ytd only)* | 48.6985% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 2,594 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.9800% | 2,959 |
| Net loans and leases to deposits | 65.8820% | 2,942 |
| Net loans and leases to core deposits | 66.9582% | 3,161 |
| Total domestic deposits to total assets | 86.4900% | 2,450 |
| Equity capital to assets | 6.9446% | 3,859 |
| Core capital (leverage) ratio | 9.5476% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8016% | 1,188 |
| Memoranda: | ||
| Average total assets | $365,116,000 | 2,176 |
| Average earning assets | $345,118,000 | 2,146 |
| Average equity | $24,496,500 | 2,572 |
| Average total loans | $210,225,500 | 2,240 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 2,245 |
| Cost of funding earning assets | 0.1209% | 4,278 |
| Net interest margin | 3.6916% | 1,398 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 3.0253% | 936 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7978% | 3,337 |
| Return on assets (ROA) | 0.7962% | 3,269 |
| Pretax return on assets | 1.0443% | 2,931 |
| Return on Equity (ROE) | 11.2000% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.4427% | 1,337 |
| Net charge-offs to loans | -0.0265% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.1508% | 1,204 |
| Assets per employee ($millions) | 4.0821% | 4,251 |
| Cash dividends to net income (ytd only)* | 15.6821% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 2,709 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.8300% | 2,933 |
| Net loans and leases to deposits | 64.8663% | 2,968 |
| Net loans and leases to core deposits | 65.6711% | 3,152 |
| Total domestic deposits to total assets | 87.6200% | 2,201 |
| Equity capital to assets | 6.4768% | 3,909 |
| Core capital (leverage) ratio | 9.4575% | 3,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6791% | 1,191 |
| Memoranda: | ||
| Average total assets | $357,189,200 | 2,194 |
| Average earning assets | $339,937,000 | 2,153 |
| Average equity | $25,395,400 | 2,563 |
| Average total loans | $192,425,600 | 2,291 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 2,389 |
| Cost of funding earning assets | 0.0911% | 4,344 |
| Net interest margin | 3.4930% | 1,682 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 3.0483% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6292% | 3,752 |
| Return on assets (ROA) | 0.6260% | 3,716 |
| Pretax return on assets | 0.8485% | 3,477 |
| Return on Equity (ROE) | 8.6100% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.8306% | 2,068 |
| Net charge-offs to loans | -0.0362% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.1419% | 901 |
| Assets per employee ($millions) | 4.0039% | 4,317 |
| Cash dividends to net income (ytd only)* | 9.0090% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 2,748 |
| Loan loss allowance to noncurrent loans | 10,439.1304% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 3,945 |
| Noncurrent loans to loans | 0.0111% | 3,860 |
| Net loans and leases to total assets | 56.8100% | 2,822 |
| Net loans and leases to deposits | 62.6097% | 2,979 |
| Net loans and leases to core deposits | 63.4396% | 3,160 |
| Total domestic deposits to total assets | 90.7400% | 1,337 |
| Equity capital to assets | 6.0630% | 3,942 |
| Core capital (leverage) ratio | 9.0937% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8841% | 1,463 |
| Memoranda: | ||
| Average total assets | $354,638,750 | 2,221 |
| Average earning assets | $338,149,500 | 2,173 |
| Average equity | $25,795,500 | 2,584 |
| Average total loans | $187,731,500 | 2,331 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 2,330 |
| Cost of funding earning assets | 0.0797% | 4,384 |
| Net interest margin | 3.3595% | 1,725 |
| Noninterest income to average assets | 0.5772% | 1,839 |
| Noninterest expense to average assets | 3.0555% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5349% | 3,811 |
| Return on assets (ROA) | 0.5313% | 3,771 |
| Pretax return on assets | 0.7201% | 3,526 |
| Return on Equity (ROE) | 6.9122% | 3,335 |
| Retained earnings to average equity (ytd only) | 6.2852% | 2,245 |
| Net charge-offs to loans | -0.0552% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8310% | 886 |
| Assets per employee ($millions) | 3.5661% | 4,530 |
| Cash dividends to net income (ytd only)* | 9.0715% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 2,349 |
| Loan loss allowance to noncurrent loans | 10,439.1304% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 3,977 |
| Noncurrent loans to loans | 0.0121% | 3,886 |
| Net loans and leases to total assets | 54.1010% | 2,955 |
| Net loans and leases to deposits | 58.9322% | 3,137 |
| Net loans and leases to core deposits | 59.7541% | 3,287 |
| Total domestic deposits to total assets | 91.8023% | 926 |
| Equity capital to assets | 6.9445% | 3,799 |
| Core capital (leverage) ratio | 9.2655% | 3,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1831% | 1,150 |
| Memoranda: | ||
| Average total assets | $352,736,000 | 2,243 |
| Average earning assets | $336,304,000 | 2,200 |
| Average equity | $27,111,333 | 2,575 |
| Average total loans | $181,271,667 | 2,376 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1882% | 2,721 |
| Cost of funding earning assets | 0.0811% | 4,349 |
| Net interest margin | 3.1071% | 2,150 |
| Noninterest income to average assets | 0.5795% | 1,781 |
| Noninterest expense to average assets | 3.0426% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3742% | 4,012 |
| Return on assets (ROA) | 0.3875% | 3,946 |
| Pretax return on assets | 0.5245% | 3,822 |
| Return on Equity (ROE) | 4.8157% | 3,666 |
| Retained earnings to average equity (ytd only) | 4.2574% | 2,848 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7007% | 752 |
| Assets per employee ($millions) | 3.6716% | 4,510 |
| Cash dividends to net income (ytd only)* | 11.5942% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,307 |
| Loan loss allowance to noncurrent loans | 6,354.0541% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,963 |
| Noncurrent loans to loans | 0.0206% | 3,849 |
| Net loans and leases to total assets | 49.7168% | 3,203 |
| Net loans and leases to deposits | 54.4637% | 3,382 |
| Net loans and leases to core deposits | 55.2720% | 3,504 |
| Total domestic deposits to total assets | 91.2843% | 897 |
| Equity capital to assets | 7.4441% | 3,969 |
| Core capital (leverage) ratio | 8.9618% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2745% | 718 |
| Memoranda: | ||
| Average total assets | $356,148,000 | 2,229 |
| Average earning assets | $340,506,500 | 2,183 |
| Average equity | $28,656,000 | 2,555 |
| Average total loans | $177,136,000 | 2,401 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6116% | 2,355 |
| Cost of funding earning assets | 0.1059% | 4,343 |
| Net interest margin | 3.5057% | 1,714 |
| Noninterest income to average assets | 1.0167% | 969 |
| Noninterest expense to average assets | 3.1622% | 772 |
| Loan and lease loss provision to assets | 0.0273% | 2,510 |
| Net operating income to assets | 0.9019% | 3,037 |
| Return on assets (ROA) | 0.9239% | 3,025 |
| Pretax return on assets | 1.2092% | 2,632 |
| Return on Equity (ROE) | 10.0049% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.8523% | 1,248 |
| Net charge-offs to loans | -0.0920% | 4,560 |
| Credit loss provision to net charge-offs | -56.6038% | 3,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3482% | 1,472 |
| Assets per employee ($millions) | 3.6342% | 4,554 |
| Cash dividends to net income (ytd only)* | 11.5195% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 2,192 |
| Loan loss allowance to noncurrent loans | 7,309.3750% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 4,062 |
| Noncurrent loans to loans | 0.0183% | 3,945 |
| Net loans and leases to total assets | 48.4395% | 3,462 |
| Net loans and leases to deposits | 53.7897% | 3,615 |
| Net loans and leases to core deposits | 54.5450% | 3,725 |
| Total domestic deposits to total assets | 90.0535% | 934 |
| Equity capital to assets | 8.6481% | 3,937 |
| Core capital (leverage) ratio | 8.9072% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3777% | 842 |
| Memoranda: | ||
| Average total assets | $329,801,800 | 2,297 |
| Average earning assets | $315,540,600 | 2,253 |
| Average equity | $30,455,200 | 2,504 |
| Average total loans | $172,888,200 | 2,438 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 2,269 |
| Cost of funding earning assets | 0.1121% | 4,410 |
| Net interest margin | 3.5914% | 1,619 |
| Noninterest income to average assets | 0.9513% | 1,150 |
| Noninterest expense to average assets | 3.1598% | 759 |
| Loan and lease loss provision to assets | 0.0371% | 2,250 |
| Net operating income to assets | 0.8754% | 3,315 |
| Return on assets (ROA) | 0.9022% | 3,321 |
| Pretax return on assets | 1.2227% | 2,858 |
| Return on Equity (ROE) | 9.6017% | 2,884 |
| Retained earnings to average equity (ytd only) | 9.1407% | 1,642 |
| Net charge-offs to loans | -0.1284% | 4,693 |
| Credit loss provision to net charge-offs | -54.2169% | 3,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0467% | 1,398 |
| Assets per employee ($millions) | 3.5589% | 4,619 |
| Cash dividends to net income (ytd only)* | 4.8011% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,312 |
| Loan loss allowance to noncurrent loans | 39,500.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 3,671 |
| Noncurrent loans to loans | 0.0034% | 4,194 |
| Net loans and leases to total assets | 50.7768% | 3,317 |
| Net loans and leases to deposits | 56.7759% | 3,507 |
| Net loans and leases to core deposits | 57.6036% | 3,657 |
| Total domestic deposits to total assets | 89.4336% | 1,048 |
| Equity capital to assets | 9.0145% | 3,818 |
| Core capital (leverage) ratio | 8.9783% | 3,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2622% | 917 |
| Memoranda: | ||
| Average total assets | $323,215,500 | 2,352 |
| Average earning assets | $309,102,500 | 2,306 |
| Average equity | $30,369,000 | 2,538 |
| Average total loans | $172,396,500 | 2,485 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6158% | 2,570 |
| Cost of funding earning assets | 0.1180% | 4,454 |
| Net interest margin | 3.4978% | 1,863 |
| Noninterest income to average assets | 1.0630% | 973 |
| Noninterest expense to average assets | 3.1581% | 772 |
| Loan and lease loss provision to assets | 0.0570% | 1,893 |
| Net operating income to assets | 0.8746% | 3,288 |
| Return on assets (ROA) | 0.9136% | 3,261 |
| Pretax return on assets | 1.2384% | 2,809 |
| Return on Equity (ROE) | 9.5820% | 2,919 |
| Retained earnings to average equity (ytd only) | 9.1172% | 1,676 |
| Net charge-offs to loans | -0.1477% | 4,726 |
| Credit loss provision to net charge-offs | -71.4286% | 3,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7079% | 1,459 |
| Assets per employee ($millions) | 3.3603% | 4,711 |
| Cash dividends to net income (ytd only)* | 4.8510% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,295 |
| Loan loss allowance to noncurrent loans | 38,833.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,769 |
| Noncurrent loans to loans | 0.0034% | 4,245 |
| Net loans and leases to total assets | 51.4819% | 3,396 |
| Net loans and leases to deposits | 57.6604% | 3,576 |
| Net loans and leases to core deposits | 58.5600% | 3,721 |
| Total domestic deposits to total assets | 89.2846% | 1,149 |
| Equity capital to assets | 9.0823% | 3,726 |
| Core capital (leverage) ratio | 9.3637% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2668% | 781 |
| Memoranda: | ||
| Average total assets | $315,884,333 | 2,384 |
| Average earning assets | $301,734,000 | 2,334 |
| Average equity | $30,119,000 | 2,544 |
| Average total loans | $170,643,333 | 2,506 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 2,174 |
| Cost of funding earning assets | 0.1260% | 4,489 |
| Net interest margin | 3.6482% | 1,452 |
| Noninterest income to average assets | 1.4179% | 666 |
| Noninterest expense to average assets | 3.3511% | 558 |
| Loan and lease loss provision to assets | 0.1177% | 1,161 |
| Net operating income to assets | 1.0518% | 2,629 |
| Return on assets (ROA) | 1.1262% | 2,467 |
| Pretax return on assets | 1.5277% | 1,929 |
| Return on Equity (ROE) | 11.5111% | 2,186 |
| Retained earnings to average equity (ytd only) | 11.0431% | 1,391 |
| Net charge-offs to loans | -0.2757% | 4,836 |
| Credit loss provision to net charge-offs | -77.5862% | 2,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3565% | 1,887 |
| Assets per employee ($millions) | 3.3391% | 4,745 |
| Cash dividends to net income (ytd only)* | 4.0650% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 1,952 |
| Loan loss allowance to noncurrent loans | 2,306.9307% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 3,672 |
| Noncurrent loans to loans | 0.0607% | 3,982 |
| Net loans and leases to total assets | 52.2356% | 3,425 |
| Net loans and leases to deposits | 58.9088% | 3,570 |
| Net loans and leases to core deposits | 59.7896% | 3,714 |
| Total domestic deposits to total assets | 88.6720% | 1,527 |
| Equity capital to assets | 9.5238% | 3,177 |
| Core capital (leverage) ratio | 9.8199% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5475% | 842 |
| Memoranda: | ||
| Average total assets | $305,812,000 | 2,413 |
| Average earning assets | $292,086,500 | 2,372 |
| Average equity | $29,919,000 | 2,552 |
| Average total loans | $168,303,000 | 2,527 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 1,593 |
| Cost of funding earning assets | 0.1853% | 4,629 |
| Net interest margin | 4.2146% | 614 |
| Noninterest income to average assets | 0.8720% | 1,344 |
| Noninterest expense to average assets | 3.6840% | 538 |
| Loan and lease loss provision to assets | 0.0505% | 3,748 |
| Net operating income to assets | 0.8643% | 2,848 |
| Return on assets (ROA) | 0.8612% | 2,995 |
| Pretax return on assets | 1.1308% | 2,583 |
| Return on Equity (ROE) | 8.2105% | 2,731 |
| Retained earnings to average equity (ytd only) | 6.2835% | 1,670 |
| Net charge-offs to loans | -0.0195% | 4,419 |
| Credit loss provision to net charge-offs | -424.2424% | 3,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6578% | 1,271 |
| Assets per employee ($millions) | 3.1342% | 4,783 |
| Cash dividends to net income (ytd only)* | 23.4702% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,691 |
| Loan loss allowance to noncurrent loans | 1,803.3898% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 3,723 |
| Noncurrent loans to loans | 0.0693% | 4,019 |
| Net loans and leases to total assets | 56.4884% | 3,253 |
| Net loans and leases to deposits | 64.1845% | 3,423 |
| Net loans and leases to core deposits | 65.2020% | 3,616 |
| Total domestic deposits to total assets | 88.0093% | 1,467 |
| Equity capital to assets | 10.0572% | 3,079 |
| Core capital (leverage) ratio | 9.7706% | 2,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6429% | 701 |
| Memoranda: | ||
| Average total assets | $277,064,200 | 2,418 |
| Average earning assets | $262,776,400 | 2,383 |
| Average equity | $29,060,200 | 2,530 |
| Average total loans | $169,654,400 | 2,488 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5405% | 1,484 |
| Cost of funding earning assets | 0.2005% | 4,676 |
| Net interest margin | 4.3400% | 541 |
| Noninterest income to average assets | 0.8116% | 1,448 |
| Noninterest expense to average assets | 3.7681% | 473 |
| Loan and lease loss provision to assets | 0.0688% | 3,471 |
| Net operating income to assets | 0.8071% | 3,062 |
| Return on assets (ROA) | 0.8013% | 3,202 |
| Pretax return on assets | 1.0764% | 2,823 |
| Return on Equity (ROE) | 7.5544% | 2,988 |
| Retained earnings to average equity (ytd only) | 6.0056% | 2,105 |
| Net charge-offs to loans | -0.0338% | 4,565 |
| Credit loss provision to net charge-offs | -325.5814% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5796% | 1,150 |
| Assets per employee ($millions) | 3.0981% | 4,812 |
| Cash dividends to net income (ytd only)* | 20.5018% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,562 |
| Loan loss allowance to noncurrent loans | 1,663.5659% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 3,716 |
| Noncurrent loans to loans | 0.0733% | 4,080 |
| Net loans and leases to total assets | 57.8740% | 3,433 |
| Net loans and leases to deposits | 69.3162% | 3,366 |
| Net loans and leases to core deposits | 70.4615% | 3,594 |
| Total domestic deposits to total assets | 83.4927% | 2,992 |
| Equity capital to assets | 9.8291% | 3,397 |
| Core capital (leverage) ratio | 10.0668% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2444% | 761 |
| Memoranda: | ||
| Average total assets | $271,893,250 | 2,425 |
| Average earning assets | $257,411,250 | 2,393 |
| Average equity | $28,839,000 | 2,540 |
| Average total loans | $169,487,750 | 2,493 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 987 |
| Cost of funding earning assets | 0.2141% | 4,722 |
| Net interest margin | 4.6793% | 355 |
| Noninterest income to average assets | 0.8294% | 1,346 |
| Noninterest expense to average assets | 3.8048% | 498 |
| Loan and lease loss provision to assets | 0.0610% | 3,537 |
| Net operating income to assets | 1.0231% | 2,241 |
| Return on assets (ROA) | 1.0147% | 2,397 |
| Pretax return on assets | 1.3684% | 1,807 |
| Return on Equity (ROE) | 9.3057% | 2,248 |
| Retained earnings to average equity (ytd only) | 7.2083% | 1,565 |
| Net charge-offs to loans | -0.0514% | 4,690 |
| Credit loss provision to net charge-offs | -186.0465% | 3,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5436% | 1,617 |
| Assets per employee ($millions) | 2.8954% | 4,880 |
| Cash dividends to net income (ytd only)* | 22.5394% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,456 |
| Loan loss allowance to noncurrent loans | 1,610.8527% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 3,787 |
| Noncurrent loans to loans | 0.0752% | 4,159 |
| Net loans and leases to total assets | 59.1265% | 3,417 |
| Net loans and leases to deposits | 71.4812% | 3,308 |
| Net loans and leases to core deposits | 72.7275% | 3,541 |
| Total domestic deposits to total assets | 82.7161% | 3,177 |
| Equity capital to assets | 10.2347% | 2,977 |
| Core capital (leverage) ratio | 10.5442% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6442% | 709 |
| Memoranda: | ||
| Average total assets | $262,352,667 | 2,463 |
| Average earning assets | $247,557,667 | 2,435 |
| Average equity | $28,606,000 | 2,539 |
| Average total loans | $167,295,000 | 2,497 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2334% | 624 |
| Cost of funding earning assets | 0.2309% | 4,821 |
| Net interest margin | 5.0024% | 191 |
| Noninterest income to average assets | 0.7658% | 1,410 |
| Noninterest expense to average assets | 4.0832% | 462 |
| Loan and lease loss provision to assets | 0.0320% | 3,372 |
| Net operating income to assets | 1.0050% | 2,155 |
| Return on assets (ROA) | 0.9848% | 2,331 |
| Pretax return on assets | 1.3349% | 1,766 |
| Return on Equity (ROE) | 8.7302% | 2,216 |
| Retained earnings to average equity (ytd only) | 6.6043% | 1,681 |
| Net charge-offs to loans | -0.0630% | 4,701 |
| Credit loss provision to net charge-offs | -76.9231% | 3,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5693% | 1,743 |
| Assets per employee ($millions) | 2.5333% | 4,949 |
| Cash dividends to net income (ytd only)* | 24.3506% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,651 |
| Loan loss allowance to noncurrent loans | 1,155.1724% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 3,747 |
| Noncurrent loans to loans | 0.1042% | 4,095 |
| Net loans and leases to total assets | 65.7876% | 2,842 |
| Net loans and leases to deposits | 76.7208% | 3,010 |
| Net loans and leases to core deposits | 78.1945% | 3,341 |
| Total domestic deposits to total assets | 85.7493% | 2,104 |
| Equity capital to assets | 11.5186% | 2,424 |
| Core capital (leverage) ratio | 11.0401% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4134% | 932 |
| Memoranda: | ||
| Average total assets | $250,197,000 | 2,493 |
| Average earning assets | $235,565,000 | 2,467 |
| Average equity | $28,224,000 | 2,559 |
| Average total loans | $165,162,500 | 2,486 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4413% | 619 |
| Cost of funding earning assets | 0.2413% | 4,871 |
| Net interest margin | 5.2000% | 195 |
| Noninterest income to average assets | 0.8238% | 1,376 |
| Noninterest expense to average assets | 4.1788% | 432 |
| Loan and lease loss provision to assets | 0.1117% | 1,873 |
| Net operating income to assets | 1.1071% | 2,414 |
| Return on assets (ROA) | 1.1146% | 2,481 |
| Pretax return on assets | 1.4460% | 1,995 |
| Return on Equity (ROE) | 10.2205% | 2,195 |
| Retained earnings to average equity (ytd only) | 7.2120% | 1,304 |
| Net charge-offs to loans | -0.0258% | 4,679 |
| Credit loss provision to net charge-offs | -642.8571% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9663% | 1,740 |
| Assets per employee ($millions) | 2.5469% | 4,986 |
| Cash dividends to net income (ytd only)* | 29.4358% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,383 |
| Loan loss allowance to noncurrent loans | 1,619.6721% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 3,813 |
| Noncurrent loans to loans | 0.0747% | 4,226 |
| Net loans and leases to total assets | 64.6425% | 3,112 |
| Net loans and leases to deposits | 75.0120% | 3,258 |
| Net loans and leases to core deposits | 76.6094% | 3,538 |
| Total domestic deposits to total assets | 86.1762% | 1,995 |
| Equity capital to assets | 11.0417% | 2,951 |
| Core capital (leverage) ratio | 10.8262% | 2,660 |
| Tier 1 risk-based capital ratio | 17.8310% | 1,803 |
| Total risk-based capital ratio | 19.1021% | 1,752 |
| Memoranda: | ||
| Average total assets | $241,698,000 | 2,517 |
| Average earning assets | $227,903,800 | 2,479 |
| Average equity | $26,358,800 | 2,604 |
| Average total loans | $162,890,800 | 2,476 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 592 |
| Cost of funding earning assets | 0.2396% | 4,952 |
| Net interest margin | 5.2500% | 183 |
| Noninterest income to average assets | 0.8204% | 1,357 |
| Noninterest expense to average assets | 4.1758% | 424 |
| Loan and lease loss provision to assets | 0.1001% | 1,917 |
| Net operating income to assets | 1.1126% | 2,527 |
| Return on assets (ROA) | 1.1218% | 2,578 |
| Pretax return on assets | 1.5045% | 1,939 |
| Return on Equity (ROE) | 10.3201% | 2,289 |
| Retained earnings to average equity (ytd only) | 8.2735% | 1,292 |
| Net charge-offs to loans | -0.0360% | 4,758 |
| Credit loss provision to net charge-offs | -409.0909% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3872% | 1,779 |
| Assets per employee ($millions) | 2.6168% | 5,041 |
| Cash dividends to net income (ytd only)* | 19.8314% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 2,629 |
| Loan loss allowance to noncurrent loans | 3,592.4528% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 3,784 |
| Noncurrent loans to loans | 0.0327% | 4,519 |
| Net loans and leases to total assets | 64.3469% | 3,253 |
| Net loans and leases to deposits | 74.9749% | 3,387 |
| Net loans and leases to core deposits | 76.5793% | 3,653 |
| Total domestic deposits to total assets | 85.8246% | 2,072 |
| Equity capital to assets | 11.0152% | 3,090 |
| Core capital (leverage) ratio | 10.8904% | 2,748 |
| Tier 1 risk-based capital ratio | 17.8987% | 1,851 |
| Total risk-based capital ratio | 19.1688% | 1,787 |
| Memoranda: | ||
| Average total assets | $239,722,750 | 2,543 |
| Average earning assets | $225,950,750 | 2,518 |
| Average equity | $26,058,500 | 2,637 |
| Average total loans | $162,782,750 | 2,504 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4860% | 581 |
| Cost of funding earning assets | 0.2359% | 4,992 |
| Net interest margin | 5.2501% | 181 |
| Noninterest income to average assets | 0.8143% | 1,301 |
| Noninterest expense to average assets | 4.2025% | 411 |
| Loan and lease loss provision to assets | 0.0760% | 2,295 |
| Net operating income to assets | 1.1068% | 2,497 |
| Return on assets (ROA) | 1.1142% | 2,542 |
| Pretax return on assets | 1.4901% | 1,887 |
| Return on Equity (ROE) | 10.2978% | 2,252 |
| Retained earnings to average equity (ytd only) | 8.3460% | 1,263 |
| Net charge-offs to loans | -0.1165% | 5,032 |
| Credit loss provision to net charge-offs | -94.7368% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9686% | 1,781 |
| Assets per employee ($millions) | 2.3194% | 5,166 |
| Cash dividends to net income (ytd only)* | 18.9538% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,971 |
| Loan loss allowance to noncurrent loans | 1,762.2642% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 3,674 |
| Noncurrent loans to loans | 0.0635% | 4,399 |
| Net loans and leases to total assets | 69.0865% | 2,664 |
| Net loans and leases to deposits | 80.6997% | 2,884 |
| Net loans and leases to core deposits | 82.6744% | 3,226 |
| Total domestic deposits to total assets | 85.6094% | 2,218 |
| Equity capital to assets | 11.1528% | 2,904 |
| Core capital (leverage) ratio | 11.0505% | 2,547 |
| Tier 1 risk-based capital ratio | 16.9836% | 2,097 |
| Total risk-based capital ratio | 18.2423% | 2,034 |
| Memoranda: | ||
| Average total assets | $236,766,000 | 2,577 |
| Average earning assets | $223,004,000 | 2,549 |
| Average equity | $25,617,000 | 2,666 |
| Average total loans | $163,088,330 | 2,508 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4649% | 553 |
| Cost of funding earning assets | 0.2164% | 5,079 |
| Net interest margin | 5.2484% | 186 |
| Noninterest income to average assets | 0.7874% | 1,322 |
| Noninterest expense to average assets | 4.2037% | 402 |
| Loan and lease loss provision to assets | 0.1527% | 1,096 |
| Net operating income to assets | 1.0284% | 2,750 |
| Return on assets (ROA) | 1.0284% | 2,787 |
| Pretax return on assets | 1.3695% | 2,198 |
| Return on Equity (ROE) | 9.6560% | 2,519 |
| Retained earnings to average equity (ytd only) | 8.0626% | 1,634 |
| Net charge-offs to loans | -0.2358% | 5,187 |
| Credit loss provision to net charge-offs | -94.7368% | 3,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4143% | 1,824 |
| Assets per employee ($millions) | 2.3960% | 5,210 |
| Cash dividends to net income (ytd only)* | 16.5017% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 2,785 |
| Loan loss allowance to noncurrent loans | 1,828.4314% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 3,541 |
| Noncurrent loans to loans | 0.0635% | 4,478 |
| Net loans and leases to total assets | 66.8959% | 2,918 |
| Net loans and leases to deposits | 77.2458% | 3,137 |
| Net loans and leases to core deposits | 78.7501% | 3,469 |
| Total domestic deposits to total assets | 86.6013% | 2,005 |
| Equity capital to assets | 10.8198% | 3,026 |
| Core capital (leverage) ratio | 10.9963% | 2,577 |
| Tier 1 risk-based capital ratio | 16.7268% | 2,193 |
| Total risk-based capital ratio | 17.9935% | 2,141 |
| Memoranda: | ||
| Average total assets | $235,699,500 | 2,600 |
| Average earning assets | $221,780,000 | 2,576 |
| Average equity | $25,103,500 | 2,706 |
| Average total loans | $161,175,000 | 2,553 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2223% | 671 |
| Cost of funding earning assets | 0.1609% | 5,148 |
| Net interest margin | 5.0614% | 235 |
| Noninterest income to average assets | 0.6901% | 1,888 |
| Noninterest expense to average assets | 4.1225% | 457 |
| Loan and lease loss provision to assets | 0.0743% | 2,643 |
| Net operating income to assets | 1.0062% | 2,979 |
| Return on assets (ROA) | 1.0062% | 2,967 |
| Pretax return on assets | 1.2677% | 2,627 |
| Return on Equity (ROE) | 9.7837% | 2,611 |
| Retained earnings to average equity (ytd only) | 7.5982% | 1,416 |
| Net charge-offs to loans | 0.0851% | 1,931 |
| Credit loss provision to net charge-offs | 126.8657% | 2,075 |
| Earnings coverage of net charge-offs (x) | 22.9030% | 1,878 |
| Efficiency ratio | 75.4401% | 1,433 |
| Assets per employee ($millions) | 2.3420% | 5,253 |
| Cash dividends to net income (ytd only)* | 22.3381% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,469 |
| Loan loss allowance to noncurrent loans | 858.9744% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 2,845 |
| Noncurrent loans to loans | 0.1205% | 4,187 |
| Net loans and leases to total assets | 68.3748% | 2,827 |
| Net loans and leases to deposits | 77.9849% | 3,167 |
| Net loans and leases to core deposits | 78.7988% | 3,518 |
| Total domestic deposits to total assets | 87.6770% | 1,457 |
| Equity capital to assets | 10.4793% | 3,213 |
| Core capital (leverage) ratio | 10.7721% | 2,762 |
| Tier 1 risk-based capital ratio | 16.0794% | 2,381 |
| Total risk-based capital ratio | 17.2017% | 2,362 |
| Memoranda: | ||
| Average total assets | $228,673,200 | 2,623 |
| Average earning assets | $215,709,000 | 2,594 |
| Average equity | $23,518,800 | 2,773 |
| Average total loans | $157,436,800 | 2,553 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 667 |
| Cost of funding earning assets | 0.1515% | 5,212 |
| Net interest margin | 5.0180% | 257 |
| Noninterest income to average assets | 0.6588% | 2,030 |
| Noninterest expense to average assets | 4.1349% | 439 |
| Loan and lease loss provision to assets | 0.0821% | 2,308 |
| Net operating income to assets | 0.9028% | 3,510 |
| Return on assets (ROA) | 0.9028% | 3,515 |
| Pretax return on assets | 1.1814% | 3,060 |
| Return on Equity (ROE) | 8.8207% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.8177% | 1,740 |
| Net charge-offs to loans | 0.1143% | 1,359 |
| Credit loss provision to net charge-offs | 104.4776% | 2,193 |
| Earnings coverage of net charge-offs (x) | 16.0748% | 2,185 |
| Efficiency ratio | 76.5946% | 1,281 |
| Assets per employee ($millions) | 2.4197% | 5,307 |
| Cash dividends to net income (ytd only)* | 11.3711% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,382 |
| Loan loss allowance to noncurrent loans | 1,498.1982% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 2,825 |
| Noncurrent loans to loans | 0.0711% | 4,558 |
| Net loans and leases to total assets | 67.2215% | 3,047 |
| Net loans and leases to deposits | 76.3623% | 3,387 |
| Net loans and leases to core deposits | 76.9709% | 3,741 |
| Total domestic deposits to total assets | 88.0296% | 1,228 |
| Equity capital to assets | 10.2603% | 3,395 |
| Core capital (leverage) ratio | 10.6445% | 2,941 |
| Tier 1 risk-based capital ratio | 16.0730% | 2,417 |
| Total risk-based capital ratio | 17.2070% | 2,402 |
| Memoranda: | ||
| Average total assets | $227,292,500 | 2,647 |
| Average earning assets | $214,687,750 | 2,612 |
| Average equity | $23,263,000 | 2,804 |
| Average total loans | $156,344,500 | 2,578 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0633% | 710 |
| Cost of funding earning assets | 0.1397% | 5,284 |
| Net interest margin | 4.9236% | 285 |
| Noninterest income to average assets | 0.5812% | 2,428 |
| Noninterest expense to average assets | 4.1266% | 459 |
| Loan and lease loss provision to assets | 0.0707% | 2,473 |
| Net operating income to assets | 0.8108% | 3,823 |
| Return on assets (ROA) | 0.8108% | 3,825 |
| Pretax return on assets | 1.0529% | 3,503 |
| Return on Equity (ROE) | 7.9291% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.9790% | 2,081 |
| Net charge-offs to loans | 0.1010% | 1,341 |
| Credit loss provision to net charge-offs | 101.2658% | 1,999 |
| Earnings coverage of net charge-offs (x) | 16.1013% | 2,007 |
| Efficiency ratio | 78.6003% | 1,154 |
| Assets per employee ($millions) | 2.4273% | 5,352 |
| Cash dividends to net income (ytd only)* | 11.9826% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 3,533 |
| Loan loss allowance to noncurrent loans | 574.3056% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 2,374 |
| Noncurrent loans to loans | 0.1829% | 4,086 |
| Net loans and leases to total assets | 69.0213% | 2,722 |
| Net loans and leases to deposits | 77.9502% | 3,167 |
| Net loans and leases to core deposits | 78.6891% | 3,519 |
| Total domestic deposits to total assets | 88.5455% | 1,128 |
| Equity capital to assets | 10.3377% | 3,301 |
| Core capital (leverage) ratio | 10.6509% | 2,869 |
| Tier 1 risk-based capital ratio | 16.2253% | 2,358 |
| Total risk-based capital ratio | 17.3991% | 2,321 |
| Memoranda: | ||
| Average total assets | $226,431,330 | 2,668 |
| Average earning assets | $214,722,670 | 2,626 |
| Average equity | $23,155,330 | 2,827 |
| Average total loans | $156,396,330 | 2,595 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 758 |
| Cost of funding earning assets | 0.1283% | 5,359 |
| Net interest margin | 4.8336% | 323 |
| Noninterest income to average assets | 0.5926% | 2,302 |
| Noninterest expense to average assets | 4.1662% | 428 |
| Loan and lease loss provision to assets | 0.1058% | 1,759 |
| Net operating income to assets | 0.7055% | 4,080 |
| Return on assets (ROA) | 0.7055% | 4,087 |
| Pretax return on assets | 0.9048% | 3,834 |
| Return on Equity (ROE) | 6.9369% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.0698% | 2,679 |
| Net charge-offs to loans | -0.0924% | 5,177 |
| Credit loss provision to net charge-offs | -166.6667% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4770% | 1,091 |
| Assets per employee ($millions) | 2.3180% | 5,446 |
| Cash dividends to net income (ytd only)* | 12.5000% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 3,356 |
| Loan loss allowance to noncurrent loans | 535.6923% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 2,267 |
| Noncurrent loans to loans | 0.2060% | 4,050 |
| Net loans and leases to total assets | 68.6817% | 2,675 |
| Net loans and leases to deposits | 76.9578% | 3,117 |
| Net loans and leases to core deposits | 77.6773% | 3,522 |
| Total domestic deposits to total assets | 89.2460% | 987 |
| Equity capital to assets | 10.0898% | 3,513 |
| Core capital (leverage) ratio | 10.4646% | 2,991 |
| Tier 1 risk-based capital ratio | 16.0074% | 2,470 |
| Total risk-based capital ratio | 17.2489% | 2,410 |
| Memoranda: | ||
| Average total assets | $226,779,000 | 2,690 |
| Average earning assets | $215,079,000 | 2,646 |
| Average equity | $23,065,000 | 2,858 |
| Average total loans | $155,864,500 | 2,615 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 875 |
| Cost of funding earning assets | 0.1198% | 5,413 |
| Net interest margin | 4.7400% | 395 |
| Noninterest income to average assets | 0.5877% | 2,506 |
| Noninterest expense to average assets | 4.1779% | 427 |
| Loan and lease loss provision to assets | 0.0860% | 2,477 |
| Net operating income to assets | 0.5195% | 4,327 |
| Return on assets (ROA) | 0.5298% | 4,327 |
| Pretax return on assets | 0.8153% | 4,208 |
| Return on Equity (ROE) | 5.0939% | 4,127 |
| Retained earnings to average equity (ytd only) | 3.5975% | 3,107 |
| Net charge-offs to loans | 0.0396% | 3,008 |
| Credit loss provision to net charge-offs | 316.6667% | 903 |
| Earnings coverage of net charge-offs (x) | 32.6167% | 1,458 |
| Efficiency ratio | 82.5127% | 888 |
| Assets per employee ($millions) | 2.2640% | 5,522 |
| Cash dividends to net income (ytd only)* | 29.3766% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,466 |
| Loan loss allowance to noncurrent loans | 508.8957% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 2,040 |
| Noncurrent loans to loans | 0.2117% | 4,065 |
| Net loans and leases to total assets | 67.2761% | 2,919 |
| Net loans and leases to deposits | 75.4639% | 3,380 |
| Net loans and leases to core deposits | 76.0388% | 3,740 |
| Total domestic deposits to total assets | 89.1500% | 931 |
| Equity capital to assets | 10.2519% | 3,432 |
| Core capital (leverage) ratio | 10.2453% | 3,131 |
| Tier 1 risk-based capital ratio | 15.8104% | 2,508 |
| Total risk-based capital ratio | 16.9885% | 2,478 |
| Memoranda: | ||
| Average total assets | $221,018,200 | 2,721 |
| Average earning assets | $208,692,200 | 2,681 |
| Average equity | $22,988,200 | 2,864 |
| Average total loans | $151,441,200 | 2,638 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 862 |
| Cost of funding earning assets | 0.1184% | 5,488 |
| Net interest margin | 4.7177% | 393 |
| Noninterest income to average assets | 0.6088% | 2,430 |
| Noninterest expense to average assets | 4.2632% | 386 |
| Loan and lease loss provision to assets | 0.1153% | 1,876 |
| Net operating income to assets | 0.4921% | 4,749 |
| Return on assets (ROA) | 0.5074% | 4,740 |
| Pretax return on assets | 0.7022% | 4,602 |
| Return on Equity (ROE) | 4.8605% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.1047% | 3,472 |
| Net charge-offs to loans | 0.1671% | 1,240 |
| Credit loss provision to net charge-offs | 100.5291% | 2,269 |
| Earnings coverage of net charge-offs (x) | 6.9419% | 2,927 |
| Efficiency ratio | 84.2610% | 736 |
| Assets per employee ($millions) | 2.2202% | 5,593 |
| Cash dividends to net income (ytd only)* | 15.5503% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 3,977 |
| Loan loss allowance to noncurrent loans | 279.8165% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9178% | 1,860 |
| Noncurrent loans to loans | 0.3628% | 3,654 |
| Net loans and leases to total assets | 68.3328% | 2,792 |
| Net loans and leases to deposits | 77.4716% | 3,227 |
| Net loans and leases to core deposits | 77.7984% | 3,658 |
| Total domestic deposits to total assets | 88.2036% | 1,257 |
| Equity capital to assets | 10.7682% | 3,099 |
| Core capital (leverage) ratio | 10.5293% | 2,955 |
| Tier 1 risk-based capital ratio | 16.4518% | 2,339 |
| Total risk-based capital ratio | 17.5928% | 2,321 |
| Memoranda: | ||
| Average total assets | $219,673,500 | 2,757 |
| Average earning assets | $207,244,750 | 2,713 |
| Average equity | $22,932,750 | 2,886 |
| Average total loans | $150,809,000 | 2,664 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7524% | 961 |
| Cost of funding earning assets | 0.1212% | 5,500 |
| Net interest margin | 4.6311% | 453 |
| Noninterest income to average assets | 0.5990% | 2,463 |
| Noninterest expense to average assets | 4.1602% | 435 |
| Loan and lease loss provision to assets | 0.1180% | 1,741 |
| Net operating income to assets | 0.4996% | 4,707 |
| Return on assets (ROA) | 0.5228% | 4,673 |
| Pretax return on assets | 0.7206% | 4,494 |
| Return on Equity (ROE) | 5.0599% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.3132% | 3,139 |
| Net charge-offs to loans | 0.2543% | 804 |
| Credit loss provision to net charge-offs | 67.7083% | 2,402 |
| Earnings coverage of net charge-offs (x) | 4.6302% | 2,903 |
| Efficiency ratio | 83.7566% | 864 |
| Assets per employee ($millions) | 2.1657% | 5,647 |
| Cash dividends to net income (ytd only)* | 14.7569% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 4,282 |
| Loan loss allowance to noncurrent loans | 171.9298% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.1141% | 1,560 |
| Noncurrent loans to loans | 0.5685% | 3,027 |
| Net loans and leases to total assets | 68.0821% | 2,808 |
| Net loans and leases to deposits | 77.0536% | 3,210 |
| Net loans and leases to core deposits | 77.3755% | 3,646 |
| Total domestic deposits to total assets | 88.3567% | 1,276 |
| Equity capital to assets | 10.6375% | 3,185 |
| Core capital (leverage) ratio | 10.5043% | 2,911 |
| Tier 1 risk-based capital ratio | 14.1804% | 3,322 |
| Total risk-based capital ratio | 15.1321% | 3,410 |
| Memoranda: | ||
| Average total assets | $220,373,000 | 2,762 |
| Average earning assets | $207,855,000 | 2,723 |
| Average equity | $22,767,330 | 2,907 |
| Average total loans | $151,012,000 | 2,670 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 813 |
| Cost of funding earning assets | 0.1190% | 5,567 |
| Net interest margin | 4.6423% | 412 |
| Noninterest income to average assets | 0.6076% | 2,379 |
| Noninterest expense to average assets | 4.0309% | 524 |
| Loan and lease loss provision to assets | 0.1266% | 1,525 |
| Net operating income to assets | 0.5872% | 4,209 |
| Return on assets (ROA) | 0.5859% | 4,258 |
| Pretax return on assets | 0.8228% | 4,022 |
| Return on Equity (ROE) | 5.7557% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.0451% | 2,863 |
| Net charge-offs to loans | 0.2432% | 736 |
| Credit loss provision to net charge-offs | 76.0870% | 1,782 |
| Earnings coverage of net charge-offs (x) | 5.7174% | 2,266 |
| Efficiency ratio | 80.9074% | 1,270 |
| Assets per employee ($millions) | 2.2622% | 5,696 |
| Cash dividends to net income (ytd only)* | 12.3457% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 4,321 |
| Loan loss allowance to noncurrent loans | 274.5455% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 1,894 |
| Noncurrent loans to loans | 0.3627% | 3,791 |
| Net loans and leases to total assets | 67.0428% | 2,812 |
| Net loans and leases to deposits | 77.6949% | 3,013 |
| Net loans and leases to core deposits | 78.0175% | 3,470 |
| Total domestic deposits to total assets | 86.2898% | 2,539 |
| Equity capital to assets | 10.1649% | 3,551 |
| Core capital (leverage) ratio | 10.3640% | 3,037 |
| Tier 1 risk-based capital ratio | 13.8521% | 3,572 |
| Total risk-based capital ratio | 14.8130% | 3,650 |
| Memoranda: | ||
| Average total assets | $221,191,500 | 2,782 |
| Average earning assets | $208,429,500 | 2,744 |
| Average equity | $22,517,000 | 2,943 |
| Average total loans | $151,323,000 | 2,685 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 978 |
| Cost of funding earning assets | 0.1144% | 5,635 |
| Net interest margin | 4.6282% | 479 |
| Noninterest income to average assets | 0.5527% | 2,899 |
| Noninterest expense to average assets | 4.1704% | 500 |
| Loan and lease loss provision to assets | 0.0536% | 3,313 |
| Net operating income to assets | 0.5340% | 4,498 |
| Return on assets (ROA) | 0.5555% | 4,517 |
| Pretax return on assets | 0.6873% | 4,532 |
| Return on Equity (ROE) | 5.3372% | 4,257 |
| Retained earnings to average equity (ytd only) | 3.9146% | 3,141 |
| Net charge-offs to loans | 0.0576% | 2,895 |
| Credit loss provision to net charge-offs | 138.5542% | 1,972 |
| Earnings coverage of net charge-offs (x) | 18.4819% | 1,970 |
| Efficiency ratio | 85.3765% | 869 |
| Assets per employee ($millions) | 2.2288% | 5,756 |
| Cash dividends to net income (ytd only)* | 26.6555% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 4,214 |
| Loan loss allowance to noncurrent loans | 368.3453% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 1.1189% | 1,662 |
| Noncurrent loans to loans | 0.2762% | 4,170 |
| Net loans and leases to total assets | 68.4227% | 2,707 |
| Net loans and leases to deposits | 78.3839% | 3,061 |
| Net loans and leases to core deposits | 78.7117% | 3,508 |
| Total domestic deposits to total assets | 87.2918% | 1,983 |
| Equity capital to assets | 10.1952% | 3,495 |
| Core capital (leverage) ratio | 10.3135% | 3,090 |
| Tier 1 risk-based capital ratio | 14.1969% | 3,349 |
| Total risk-based capital ratio | 15.2087% | 3,402 |
| Memoranda: | ||
| Average total assets | $214,750,000 | 2,806 |
| Average earning assets | $201,007,800 | 2,778 |
| Average equity | $22,352,400 | 2,957 |
| Average total loans | $144,001,200 | 2,728 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7200% | 1,031 |
| Cost of funding earning assets | 0.1120% | 5,712 |
| Net interest margin | 4.6080% | 499 |
| Noninterest income to average assets | 0.5138% | 3,158 |
| Noninterest expense to average assets | 4.1839% | 489 |
| Loan and lease loss provision to assets | 0.0717% | 2,779 |
| Net operating income to assets | 0.4340% | 4,922 |
| Return on assets (ROA) | 0.4614% | 4,909 |
| Pretax return on assets | 0.6017% | 4,873 |
| Return on Equity (ROE) | 4.4099% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.6948% | 3,675 |
| Net charge-offs to loans | 0.0956% | 1,993 |
| Credit loss provision to net charge-offs | 112.7451% | 2,193 |
| Earnings coverage of net charge-offs (x) | 10.0292% | 2,620 |
| Efficiency ratio | 86.7710% | 755 |
| Assets per employee ($millions) | 2.1756% | 5,834 |
| Cash dividends to net income (ytd only)* | 16.2167% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 4,441 |
| Loan loss allowance to noncurrent loans | 218.3261% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 1.2800% | 1,507 |
| Noncurrent loans to loans | 0.4561% | 3,649 |
| Net loans and leases to total assets | 69.8464% | 2,508 |
| Net loans and leases to deposits | 81.2783% | 2,822 |
| Net loans and leases to core deposits | 81.5029% | 3,325 |
| Total domestic deposits to total assets | 85.9349% | 2,393 |
| Equity capital to assets | 10.6206% | 3,438 |
| Core capital (leverage) ratio | 10.3267% | 3,195 |
| Tier 1 risk-based capital ratio | 13.9653% | 3,575 |
| Total risk-based capital ratio | 14.9549% | 3,655 |
| Memoranda: | ||
| Average total assets | $213,831,000 | 2,828 |
| Average earning assets | $199,910,250 | 2,805 |
| Average equity | $22,373,250 | 2,978 |
| Average total loans | $142,254,250 | 2,751 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 1,150 |
| Cost of funding earning assets | 0.1083% | 5,821 |
| Net interest margin | 4.5487% | 557 |
| Noninterest income to average assets | 0.4585% | 3,463 |
| Noninterest expense to average assets | 4.1479% | 515 |
| Loan and lease loss provision to assets | 0.0234% | 3,662 |
| Net operating income to assets | 0.4139% | 4,992 |
| Return on assets (ROA) | 0.4529% | 4,947 |
| Pretax return on assets | 0.5907% | 4,905 |
| Return on Equity (ROE) | 4.3502% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.6296% | 3,583 |
| Net charge-offs to loans | 0.0806% | 2,043 |
| Credit loss provision to net charge-offs | 44.6429% | 2,724 |
| Earnings coverage of net charge-offs (x) | 10.7321% | 2,311 |
| Efficiency ratio | 88.0398% | 722 |
| Assets per employee ($millions) | 2.2034% | 5,893 |
| Cash dividends to net income (ytd only)* | 16.5631% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 4,511 |
| Loan loss allowance to noncurrent loans | 198.3893% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.3823% | 1,425 |
| Noncurrent loans to loans | 0.5048% | 3,571 |
| Net loans and leases to total assets | 67.6602% | 2,832 |
| Net loans and leases to deposits | 79.5925% | 2,982 |
| Net loans and leases to core deposits | 79.8143% | 3,473 |
| Total domestic deposits to total assets | 85.0082% | 2,880 |
| Equity capital to assets | 10.4525% | 3,690 |
| Core capital (leverage) ratio | 10.0474% | 3,517 |
| Tier 1 risk-based capital ratio | 14.9049% | 3,116 |
| Total risk-based capital ratio | 15.9636% | 3,148 |
| Memoranda: | ||
| Average total assets | $213,313,330 | 2,850 |
| Average earning assets | $199,443,000 | 2,820 |
| Average equity | $22,206,000 | 3,004 |
| Average total loans | $139,022,000 | 2,807 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 1,323 |
| Cost of funding earning assets | 0.1010% | 5,913 |
| Net interest margin | 4.4757% | 638 |
| Noninterest income to average assets | 0.5679% | 2,694 |
| Noninterest expense to average assets | 4.1698% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4461% | 4,846 |
| Return on assets (ROA) | 0.4679% | 4,837 |
| Pretax return on assets | 0.6075% | 4,800 |
| Return on Equity (ROE) | 4.5043% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.7778% | 3,606 |
| Net charge-offs to loans | 0.0475% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 19.1875% | 1,518 |
| Efficiency ratio | 87.8029% | 828 |
| Assets per employee ($millions) | 2.1652% | 5,957 |
| Cash dividends to net income (ytd only)* | 16.1290% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 4,027 |
| Loan loss allowance to noncurrent loans | 164.6086% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6183% | 1,227 |
| Noncurrent loans to loans | 0.6710% | 3,161 |
| Net loans and leases to total assets | 62.3613% | 3,477 |
| Net loans and leases to deposits | 71.2940% | 3,717 |
| Net loans and leases to core deposits | 71.4881% | 4,105 |
| Total domestic deposits to total assets | 87.4706% | 1,951 |
| Equity capital to assets | 10.3928% | 3,628 |
| Core capital (leverage) ratio | 10.0439% | 3,479 |
| Tier 1 risk-based capital ratio | 16.1311% | 2,622 |
| Total risk-based capital ratio | 17.2994% | 2,611 |
| Memoranda: | ||
| Average total assets | $212,001,000 | 2,870 |
| Average earning assets | $198,047,500 | 2,841 |
| Average equity | $22,023,500 | 3,025 |
| Average total loans | $134,742,000 | 2,864 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 1,261 |
| Cost of funding earning assets | 0.1395% | 5,756 |
| Net interest margin | 4.4886% | 672 |
| Noninterest income to average assets | 0.5985% | 2,722 |
| Noninterest expense to average assets | 3.9074% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6672% | 3,967 |
| Return on assets (ROA) | 0.6970% | 3,931 |
| Pretax return on assets | 0.9185% | 3,772 |
| Return on Equity (ROE) | 7.0492% | 3,486 |
| Retained earnings to average equity (ytd only) | 5.3223% | 2,193 |
| Net charge-offs to loans | 0.0239% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 58.9063% | 879 |
| Efficiency ratio | 81.6295% | 1,458 |
| Assets per employee ($millions) | 2.2302% | 5,990 |
| Cash dividends to net income (ytd only)* | 24.4980% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 3,885 |
| Loan loss allowance to noncurrent loans | 1,701.1236% | 375 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 1,668 |
| Noncurrent loans to loans | 0.0663% | 5,245 |
| Net loans and leases to total assets | 63.3458% | 3,367 |
| Net loans and leases to deposits | 72.5929% | 3,656 |
| Net loans and leases to core deposits | 72.7954% | 4,062 |
| Total domestic deposits to total assets | 87.2617% | 2,008 |
| Equity capital to assets | 10.3838% | 3,510 |
| Core capital (leverage) ratio | 10.0218% | 3,478 |
| Tier 1 risk-based capital ratio | 16.4190% | 2,523 |
| Total risk-based capital ratio | 17.6233% | 2,496 |
| Memoranda: | ||
| Average total assets | $214,361,200 | 2,796 |
| Average earning assets | $200,020,000 | 2,779 |
| Average equity | $21,194,000 | 3,049 |
| Average total loans | $133,669,800 | 2,830 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6403% | 1,234 |
| Cost of funding earning assets | 0.1505% | 5,771 |
| Net interest margin | 4.4897% | 668 |
| Noninterest income to average assets | 0.5128% | 3,280 |
| Noninterest expense to average assets | 3.8804% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5889% | 4,434 |
| Return on assets (ROA) | 0.6031% | 4,476 |
| Pretax return on assets | 0.8407% | 4,203 |
| Return on Equity (ROE) | 6.1756% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.4472% | 2,610 |
| Net charge-offs to loans | 0.0100% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 132.7299% | 507 |
| Efficiency ratio | 82.5395% | 1,323 |
| Assets per employee ($millions) | 2.2519% | 6,069 |
| Cash dividends to net income (ytd only)* | 11.7949% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 4,110 |
| Loan loss allowance to noncurrent loans | 393.6061% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 1.4423% | 1,577 |
| Noncurrent loans to loans | 0.2847% | 4,562 |
| Net loans and leases to total assets | 64.1632% | 3,284 |
| Net loans and leases to deposits | 74.4378% | 3,497 |
| Net loans and leases to core deposits | 74.7516% | 3,931 |
| Total domestic deposits to total assets | 86.1970% | 2,443 |
| Equity capital to assets | 10.1763% | 3,964 |
| Core capital (leverage) ratio | 9.8158% | 3,882 |
| Tier 1 risk-based capital ratio | 15.6645% | 2,964 |
| Total risk-based capital ratio | 16.8476% | 2,929 |
| Memoranda: | ||
| Average total assets | $215,540,750 | 2,814 |
| Average earning assets | $201,075,250 | 2,789 |
| Average equity | $21,050,250 | 3,091 |
| Average total loans | $133,508,750 | 2,845 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6164% | 1,243 |
| Cost of funding earning assets | 0.1661% | 5,733 |
| Net interest margin | 4.4503% | 693 |
| Noninterest income to average assets | 0.6752% | 2,324 |
| Noninterest expense to average assets | 3.8169% | 850 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7190% | 3,799 |
| Return on assets (ROA) | 0.7315% | 3,841 |
| Pretax return on assets | 1.0266% | 3,472 |
| Return on Equity (ROE) | 7.5934% | 3,262 |
| Retained earnings to average equity (ytd only) | 6.8752% | 1,754 |
| Net charge-offs to loans | 0.0091% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 182.3333% | 368 |
| Efficiency ratio | 79.0902% | 1,902 |
| Assets per employee ($millions) | 2.3223% | 6,122 |
| Cash dividends to net income (ytd only)* | 9.4578% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 4,131 |
| Loan loss allowance to noncurrent loans | 602.7344% | 868 |
| Noncurrent assets plus other real estate owned to assets | 1.4701% | 1,687 |
| Noncurrent loans to loans | 0.1892% | 5,023 |
| Net loans and leases to total assets | 61.9298% | 3,558 |
| Net loans and leases to deposits | 71.8562% | 3,736 |
| Net loans and leases to core deposits | 72.5240% | 4,085 |
| Total domestic deposits to total assets | 86.1857% | 2,588 |
| Equity capital to assets | 9.7031% | 4,393 |
| Core capital (leverage) ratio | 9.5493% | 4,210 |
| Tier 1 risk-based capital ratio | 15.2587% | 3,219 |
| Total risk-based capital ratio | 16.4220% | 3,198 |
| Memoranda: | ||
| Average total assets | $216,828,000 | 2,815 |
| Average earning assets | $202,233,670 | 2,797 |
| Average equity | $20,886,670 | 3,122 |
| Average total loans | $132,225,330 | 2,872 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 813 |
| Cost of funding earning assets | 0.1892% | 5,604 |
| Net interest margin | 4.6383% | 459 |
| Noninterest income to average assets | 0.5928% | 2,684 |
| Noninterest expense to average assets | 3.7412% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8285% | 3,124 |
| Return on assets (ROA) | 0.8285% | 3,248 |
| Pretax return on assets | 1.1857% | 2,727 |
| Return on Equity (ROE) | 8.6323% | 2,630 |
| Retained earnings to average equity (ytd only) | 7.9609% | 1,584 |
| Net charge-offs to loans | 0.0153% | 2,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 128.8000% | 406 |
| Efficiency ratio | 75.9342% | 2,527 |
| Assets per employee ($millions) | 2.4521% | 6,139 |
| Cash dividends to net income (ytd only)* | 7.7778% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 4,158 |
| Loan loss allowance to noncurrent loans | 596.1390% | 853 |
| Noncurrent assets plus other real estate owned to assets | 1.4828% | 1,775 |
| Noncurrent loans to loans | 0.1959% | 5,074 |
| Net loans and leases to total assets | 59.8708% | 3,670 |
| Net loans and leases to deposits | 68.9232% | 3,866 |
| Net loans and leases to core deposits | 69.3298% | 4,220 |
| Total domestic deposits to total assets | 86.8660% | 2,446 |
| Equity capital to assets | 9.7244% | 4,472 |
| Core capital (leverage) ratio | 9.4145% | 4,408 |
| Tier 1 risk-based capital ratio | 12.3161% | 5,035 |
| Total risk-based capital ratio | 13.2672% | 5,122 |
| Memoranda: | ||
| Average total assets | $217,256,000 | 2,831 |
| Average earning assets | $203,006,500 | 2,803 |
| Average equity | $20,852,000 | 3,149 |
| Average total loans | $130,691,000 | 2,904 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 1,811 |
| Cost of funding earning assets | 0.3044% | 4,751 |
| Net interest margin | 4.2097% | 1,270 |
| Noninterest income to average assets | 0.6052% | 2,826 |
| Noninterest expense to average assets | 3.9091% | 845 |
| Loan and lease loss provision to assets | 0.0244% | 4,122 |
| Net operating income to assets | 0.5162% | 4,749 |
| Return on assets (ROA) | 0.5256% | 4,792 |
| Pretax return on assets | 0.6158% | 4,891 |
| Return on Equity (ROE) | 5.8946% | 4,201 |
| Retained earnings to average equity (ytd only) | 4.3461% | 3,090 |
| Net charge-offs to loans | 0.1175% | 2,866 |
| Credit loss provision to net charge-offs | 34.8684% | 3,772 |
| Earnings coverage of net charge-offs (x) | 8.9934% | 2,806 |
| Efficiency ratio | 86.1373% | 1,155 |
| Assets per employee ($millions) | 2.4031% | 6,216 |
| Cash dividends to net income (ytd only)* | 26.2697% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1991% | 4,004 |
| Loan loss allowance to noncurrent loans | 291.7137% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 1.4842% | 1,848 |
| Noncurrent loans to loans | 0.4111% | 4,409 |
| Net loans and leases to total assets | 59.0123% | 3,916 |
| Net loans and leases to deposits | 66.7563% | 4,238 |
| Net loans and leases to core deposits | 67.5577% | 4,548 |
| Total domestic deposits to total assets | 88.3996% | 1,568 |
| Equity capital to assets | 9.4703% | 4,750 |
| Core capital (leverage) ratio | 9.3117% | 4,523 |
| Tier 1 risk-based capital ratio | 14.5136% | 3,770 |
| Total risk-based capital ratio | 15.6519% | 3,770 |
| Memoranda: | ||
| Average total assets | $217,286,800 | 2,813 |
| Average earning assets | $203,007,600 | 2,774 |
| Average equity | $19,373,600 | 3,235 |
| Average total loans | $129,403,000 | 2,880 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 1,780 |
| Cost of funding earning assets | 0.3197% | 4,674 |
| Net interest margin | 4.2066% | 1,270 |
| Noninterest income to average assets | 0.6086% | 2,812 |
| Noninterest expense to average assets | 3.9048% | 836 |
| Loan and lease loss provision to assets | 0.0325% | 3,757 |
| Net operating income to assets | 0.4761% | 4,970 |
| Return on assets (ROA) | 0.4854% | 4,993 |
| Pretax return on assets | 0.6104% | 4,999 |
| Return on Equity (ROE) | 5.5297% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.9013% | 3,156 |
| Net charge-offs to loans | 0.2163% | 1,742 |
| Credit loss provision to net charge-offs | 25.2381% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.9048% | 3,355 |
| Efficiency ratio | 86.0830% | 1,176 |
| Assets per employee ($millions) | 2.4254% | 6,276 |
| Cash dividends to net income (ytd only)* | 11.3640% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 4,606 |
| Loan loss allowance to noncurrent loans | 152.0408% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6951% | 1,781 |
| Noncurrent loans to loans | 0.7433% | 3,745 |
| Net loans and leases to total assets | 60.3905% | 3,718 |
| Net loans and leases to deposits | 68.3632% | 4,096 |
| Net loans and leases to core deposits | 69.3716% | 4,383 |
| Total domestic deposits to total assets | 88.3378% | 1,582 |
| Equity capital to assets | 9.2560% | 5,074 |
| Core capital (leverage) ratio | 9.4816% | 4,403 |
| Tier 1 risk-based capital ratio | 14.3871% | 3,953 |
| Total risk-based capital ratio | 15.4726% | 3,994 |
| Memoranda: | ||
| Average total assets | $217,539,250 | 2,833 |
| Average earning assets | $203,106,250 | 2,794 |
| Average equity | $19,096,500 | 3,285 |
| Average total loans | $129,459,000 | 2,880 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 1,943 |
| Cost of funding earning assets | 0.3316% | 4,627 |
| Net interest margin | 4.1342% | 1,415 |
| Noninterest income to average assets | 0.5704% | 2,990 |
| Noninterest expense to average assets | 3.8331% | 931 |
| Loan and lease loss provision to assets | 0.0257% | 3,761 |
| Net operating income to assets | 0.4641% | 4,957 |
| Return on assets (ROA) | 0.4723% | 4,995 |
| Pretax return on assets | 0.5860% | 4,996 |
| Return on Equity (ROE) | 5.4781% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.8399% | 3,063 |
| Net charge-offs to loans | 0.2876% | 1,387 |
| Credit loss provision to net charge-offs | 15.1351% | 3,253 |
| Earnings coverage of net charge-offs (x) | 3.5459% | 3,280 |
| Efficiency ratio | 86.4351% | 1,229 |
| Assets per employee ($millions) | 2.4319% | 6,335 |
| Cash dividends to net income (ytd only)* | 11.6505% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 4,757 |
| Loan loss allowance to noncurrent loans | 91.3603% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.7626% | 1,839 |
| Noncurrent loans to loans | 1.2381% | 2,751 |
| Net loans and leases to total assets | 60.2140% | 3,679 |
| Net loans and leases to deposits | 70.0279% | 3,821 |
| Net loans and leases to core deposits | 71.4398% | 4,109 |
| Total domestic deposits to total assets | 85.9857% | 3,042 |
| Equity capital to assets | 9.0282% | 5,267 |
| Core capital (leverage) ratio | 9.2697% | 4,639 |
| Tier 1 risk-based capital ratio | 13.8712% | 4,335 |
| Total risk-based capital ratio | 14.9333% | 4,412 |
| Memoranda: | ||
| Average total assets | $218,099,000 | 2,834 |
| Average earning assets | $203,862,670 | 2,796 |
| Average equity | $18,802,000 | 3,312 |
| Average total loans | $128,662,330 | 2,887 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 2,208 |
| Cost of funding earning assets | 0.3443% | 4,594 |
| Net interest margin | 4.0381% | 1,636 |
| Noninterest income to average assets | 0.5280% | 3,206 |
| Noninterest expense to average assets | 3.8168% | 955 |
| Loan and lease loss provision to assets | 0.0512% | 3,079 |
| Net operating income to assets | 0.3782% | 5,195 |
| Return on assets (ROA) | 0.3782% | 5,269 |
| Pretax return on assets | 0.4312% | 5,358 |
| Return on Equity (ROE) | 4.4921% | 4,791 |
| Retained earnings to average equity (ytd only) | 3.8410% | 3,822 |
| Net charge-offs to loans | 0.0913% | 2,249 |
| Credit loss provision to net charge-offs | 96.5517% | 1,732 |
| Earnings coverage of net charge-offs (x) | 9.1034% | 1,964 |
| Efficiency ratio | 88.7803% | 1,152 |
| Assets per employee ($millions) | 2.3580% | 6,441 |
| Cash dividends to net income (ytd only)* | 14.4928% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,131 |
| Loan loss allowance to noncurrent loans | 80.8145% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.0238% | 1,681 |
| Noncurrent loans to loans | 1.6066% | 2,411 |
| Net loans and leases to total assets | 57.0939% | 3,987 |
| Net loans and leases to deposits | 64.3772% | 4,277 |
| Net loans and leases to core deposits | 65.8390% | 4,497 |
| Total domestic deposits to total assets | 88.6865% | 1,841 |
| Equity capital to assets | 8.5597% | 5,591 |
| Core capital (leverage) ratio | 9.0284% | 4,966 |
| Tier 1 risk-based capital ratio | 13.9288% | 4,371 |
| Total risk-based capital ratio | 15.1240% | 4,367 |
| Memoranda: | ||
| Average total assets | $218,927,000 | 2,841 |
| Average earning assets | $204,452,500 | 2,804 |
| Average equity | $18,432,500 | 3,362 |
| Average total loans | $127,083,500 | 2,920 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 2,372 |
| Cost of funding earning assets | 0.3777% | 4,863 |
| Net interest margin | 4.0785% | 1,710 |
| Noninterest income to average assets | 0.6094% | 3,027 |
| Noninterest expense to average assets | 3.6989% | 1,286 |
| Loan and lease loss provision to assets | -0.2391% | 6,631 |
| Net operating income to assets | 0.7316% | 3,651 |
| Return on assets (ROA) | 0.7365% | 3,703 |
| Pretax return on assets | 0.9724% | 3,462 |
| Return on Equity (ROE) | 8.8593% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.2292% | 977 |
| Net charge-offs to loans | -0.1849% | 6,606 |
| Credit loss provision to net charge-offs | 221.5190% | 1,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5752% | 1,679 |
| Assets per employee ($millions) | 2.4284% | 6,445 |
| Cash dividends to net income (ytd only)* | 7.1119% | 4,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 4,172 |
| Loan loss allowance to noncurrent loans | 63.4334% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 2.2653% | 1,565 |
| Noncurrent loans to loans | 2.0406% | 1,948 |
| Net loans and leases to total assets | 57.4984% | 4,123 |
| Net loans and leases to deposits | 64.6397% | 4,447 |
| Net loans and leases to core deposits | 66.1982% | 4,679 |
| Total domestic deposits to total assets | 88.9522% | 1,662 |
| Equity capital to assets | 8.2788% | 5,793 |
| Core capital (leverage) ratio | 9.0217% | 4,963 |
| Tier 1 risk-based capital ratio | 13.9084% | 4,358 |
| Total risk-based capital ratio | 15.0938% | 4,350 |
| Memoranda: | ||
| Average total assets | $219,553,600 | 2,812 |
| Average earning assets | $205,443,800 | 2,774 |
| Average equity | $18,252,000 | 3,379 |
| Average total loans | $128,202,600 | 2,887 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 2,425 |
| Cost of funding earning assets | 0.3776% | 5,021 |
| Net interest margin | 4.0715% | 1,722 |
| Noninterest income to average assets | 0.6205% | 3,036 |
| Noninterest expense to average assets | 3.5868% | 1,422 |
| Loan and lease loss provision to assets | 0.1213% | 2,781 |
| Net operating income to assets | 0.5522% | 4,579 |
| Return on assets (ROA) | 0.5587% | 4,689 |
| Pretax return on assets | 0.7346% | 4,557 |
| Return on Equity (ROE) | 6.7133% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.0573% | 2,372 |
| Net charge-offs to loans | -0.9769% | 6,830 |
| Credit loss provision to net charge-offs | -21.2540% | 5,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8892% | 1,981 |
| Assets per employee ($millions) | 2.4180% | 6,538 |
| Cash dividends to net income (ytd only)* | 9.7722% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3273% | 1,142 |
| Loan loss allowance to noncurrent loans | 90.8474% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.3614% | 1,660 |
| Noncurrent loans to loans | 2.5618% | 1,675 |
| Net loans and leases to total assets | 58.6861% | 3,895 |
| Net loans and leases to deposits | 67.7641% | 4,094 |
| Net loans and leases to core deposits | 69.4228% | 4,380 |
| Total domestic deposits to total assets | 86.6035% | 2,910 |
| Equity capital to assets | 8.0071% | 6,154 |
| Core capital (leverage) ratio | 8.6913% | 5,549 |
| Tier 1 risk-based capital ratio | 13.0866% | 5,064 |
| Total risk-based capital ratio | 14.3548% | 5,004 |
| Memoranda: | ||
| Average total assets | $219,802,250 | 2,833 |
| Average earning assets | $205,879,000 | 2,796 |
| Average equity | $18,291,500 | 3,408 |
| Average total loans | $128,424,250 | 2,907 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 2,537 |
| Cost of funding earning assets | 0.3729% | 5,205 |
| Net interest margin | 4.0336% | 1,751 |
| Noninterest income to average assets | 0.6244% | 3,054 |
| Noninterest expense to average assets | 3.4243% | 1,775 |
| Loan and lease loss provision to assets | 0.1820% | 2,089 |
| Net operating income to assets | 0.5954% | 4,312 |
| Return on assets (ROA) | 0.6035% | 4,443 |
| Pretax return on assets | 0.8101% | 4,273 |
| Return on Equity (ROE) | 7.1615% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.4810% | 2,159 |
| Net charge-offs to loans | -1.6483% | 6,890 |
| Credit loss provision to net charge-offs | -19.0840% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7273% | 2,508 |
| Assets per employee ($millions) | 2.4226% | 6,562 |
| Cash dividends to net income (ytd only)* | 9.5023% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4341% | 1,054 |
| Loan loss allowance to noncurrent loans | 63.4895% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 3.0618% | 1,323 |
| Noncurrent loans to loans | 3.8339% | 1,050 |
| Net loans and leases to total assets | 57.2614% | 4,101 |
| Net loans and leases to deposits | 66.9696% | 4,154 |
| Net loans and leases to core deposits | 68.6000% | 4,440 |
| Total domestic deposits to total assets | 85.5036% | 3,641 |
| Equity capital to assets | 7.9932% | 6,201 |
| Core capital (leverage) ratio | 8.5375% | 5,625 |
| Tier 1 risk-based capital ratio | 13.0827% | 5,085 |
| Total risk-based capital ratio | 14.3501% | 5,017 |
| Memoranda: | ||
| Average total assets | $219,722,330 | 2,842 |
| Average earning assets | $205,967,330 | 2,797 |
| Average equity | $18,515,670 | 3,396 |
| Average total loans | $127,162,000 | 2,935 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,836 |
| Cost of funding earning assets | 0.3769% | 5,310 |
| Net interest margin | 3.9371% | 1,991 |
| Noninterest income to average assets | 0.6124% | 3,068 |
| Noninterest expense to average assets | 3.7076% | 1,237 |
| Loan and lease loss provision to assets | 0.1834% | 2,010 |
| Net operating income to assets | 0.3622% | 5,296 |
| Return on assets (ROA) | 0.3686% | 5,401 |
| Pretax return on assets | 0.4254% | 5,484 |
| Return on Equity (ROE) | 4.2616% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.4984% | 4,143 |
| Net charge-offs to loans | -0.0128% | 5,531 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0426% | 1,512 |
| Assets per employee ($millions) | 2.5246% | 6,560 |
| Cash dividends to net income (ytd only)* | 17.9104% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 3,211 |
| Loan loss allowance to noncurrent loans | 37.1044% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 3.3337% | 1,307 |
| Noncurrent loans to loans | 4.4381% | 951 |
| Net loans and leases to total assets | 55.4733% | 4,173 |
| Net loans and leases to deposits | 61.8168% | 4,575 |
| Net loans and leases to core deposits | 63.2733% | 4,820 |
| Total domestic deposits to total assets | 89.7382% | 1,196 |
| Equity capital to assets | 8.5809% | 5,937 |
| Core capital (leverage) ratio | 8.5490% | 5,510 |
| Tier 1 risk-based capital ratio | 12.9797% | 5,235 |
| Total risk-based capital ratio | 14.2386% | 5,177 |
| Memoranda: | ||
| Average total assets | $218,145,500 | 2,895 |
| Average earning assets | $204,822,000 | 2,845 |
| Average equity | $18,866,000 | 3,393 |
| Average total loans | $125,340,000 | 2,980 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 1,771 |
| Cost of funding earning assets | 0.4579% | 5,517 |
| Net interest margin | 4.4634% | 1,016 |
| Noninterest income to average assets | 0.3752% | 4,793 |
| Noninterest expense to average assets | 4.0318% | 944 |
| Loan and lease loss provision to assets | 1.1024% | 343 |
| Net operating income to assets | -0.1791% | 6,363 |
| Return on assets (ROA) | -0.1271% | 6,402 |
| Pretax return on assets | -0.5005% | 6,572 |
| Return on Equity (ROE) | -1.4115% | 6,417 |
| Retained earnings to average equity (ytd only) | -2.0446% | 6,163 |
| Net charge-offs to loans | 1.4046% | 649 |
| Credit loss provision to net charge-offs | 125.5455% | 2,253 |
| Earnings coverage of net charge-offs (x) | 0.5929% | 5,187 |
| Efficiency ratio | 88.5650% | 1,189 |
| Assets per employee ($millions) | 2.3808% | 6,723 |
| Cash dividends to net income (ytd only)* | -44.8529% | 7,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,636 |
| Loan loss allowance to noncurrent loans | 35.5556% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 3.3552% | 1,370 |
| Noncurrent loans to loans | 4.2942% | 1,028 |
| Net loans and leases to total assets | 57.6330% | 4,037 |
| Net loans and leases to deposits | 64.2418% | 4,502 |
| Net loans and leases to core deposits | 65.7676% | 4,764 |
| Total domestic deposits to total assets | 89.7125% | 1,119 |
| Equity capital to assets | 8.7167% | 5,835 |
| Core capital (leverage) ratio | 8.3112% | 5,876 |
| Tier 1 risk-based capital ratio | 12.7202% | 5,317 |
| Total risk-based capital ratio | 13.9777% | 5,244 |
| Memoranda: | ||
| Average total assets | $213,997,200 | 2,892 |
| Average earning assets | $200,275,400 | 2,843 |
| Average equity | $19,270,400 | 3,294 |
| Average total loans | $133,776,400 | 2,815 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9678% | 1,779 |
| Cost of funding earning assets | 0.4777% | 5,582 |
| Net interest margin | 4.4901% | 1,012 |
| Noninterest income to average assets | 0.2694% | 5,628 |
| Noninterest expense to average assets | 4.1130% | 812 |
| Loan and lease loss provision to assets | 0.4531% | 1,376 |
| Net operating income to assets | 0.0373% | 6,227 |
| Return on assets (ROA) | 0.0925% | 6,281 |
| Pretax return on assets | -0.0106% | 6,403 |
| Return on Equity (ROE) | 1.0189% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.3786% | 5,973 |
| Net charge-offs to loans | 0.6218% | 1,769 |
| Credit loss provision to net charge-offs | 114.7152% | 2,544 |
| Earnings coverage of net charge-offs (x) | 0.9019% | 4,881 |
| Efficiency ratio | 92.0291% | 883 |
| Assets per employee ($millions) | 2.3535% | 6,825 |
| Cash dividends to net income (ytd only)* | 62.8389% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1713% | 5,424 |
| Loan loss allowance to noncurrent loans | 47.1250% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.5863% | 2,041 |
| Noncurrent loans to loans | 2.4854% | 2,314 |
| Net loans and leases to total assets | 61.0281% | 3,567 |
| Net loans and leases to deposits | 68.7565% | 4,061 |
| Net loans and leases to core deposits | 70.4164% | 4,445 |
| Total domestic deposits to total assets | 88.7597% | 1,559 |
| Equity capital to assets | 9.0924% | 5,723 |
| Core capital (leverage) ratio | 8.7897% | 5,365 |
| Tier 1 risk-based capital ratio | 12.6713% | 5,505 |
| Total risk-based capital ratio | 13.7422% | 5,613 |
| Memoranda: | ||
| Average total assets | $213,333,500 | 2,928 |
| Average earning assets | $199,546,000 | 2,870 |
| Average equity | $19,366,750 | 3,311 |
| Average total loans | $135,520,750 | 2,816 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 1,719 |
| Cost of funding earning assets | 0.4995% | 5,625 |
| Net interest margin | 4.5257% | 950 |
| Noninterest income to average assets | 0.2816% | 5,560 |
| Noninterest expense to average assets | 4.1238% | 813 |
| Loan and lease loss provision to assets | 0.3520% | 1,870 |
| Net operating income to assets | 0.0695% | 6,224 |
| Return on assets (ROA) | 0.1962% | 6,112 |
| Pretax return on assets | 0.1596% | 6,210 |
| Return on Equity (ROE) | 2.1623% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.5208% | 5,446 |
| Net charge-offs to loans | 0.5944% | 1,829 |
| Credit loss provision to net charge-offs | 92.3645% | 2,969 |
| Earnings coverage of net charge-offs (x) | 1.0099% | 4,519 |
| Efficiency ratio | 91.4637% | 964 |
| Assets per employee ($millions) | 2.3651% | 6,850 |
| Cash dividends to net income (ytd only)* | 29.6651% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 5,955 |
| Loan loss allowance to noncurrent loans | 36.6230% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 3.0575% | 1,796 |
| Noncurrent loans to loans | 2.8683% | 2,089 |
| Net loans and leases to total assets | 63.7688% | 3,086 |
| Net loans and leases to deposits | 71.9056% | 3,627 |
| Net loans and leases to core deposits | 73.6733% | 4,071 |
| Total domestic deposits to total assets | 88.6840% | 1,719 |
| Equity capital to assets | 9.2362% | 5,421 |
| Core capital (leverage) ratio | 8.8348% | 5,158 |
| Tier 1 risk-based capital ratio | 12.4807% | 5,574 |
| Total risk-based capital ratio | 13.4481% | 5,780 |
| Memoranda: | ||
| Average total assets | $213,055,670 | 2,941 |
| Average earning assets | $198,995,330 | 2,884 |
| Average equity | $19,331,330 | 3,304 |
| Average total loans | $136,610,670 | 2,803 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 1,771 |
| Cost of funding earning assets | 0.5377% | 5,565 |
| Net interest margin | 4.4991% | 1,012 |
| Noninterest income to average assets | 0.3285% | 5,236 |
| Noninterest expense to average assets | 4.0759% | 858 |
| Loan and lease loss provision to assets | 0.2799% | 2,220 |
| Net operating income to assets | 0.2034% | 5,976 |
| Return on assets (ROA) | 0.2034% | 6,121 |
| Pretax return on assets | 0.1736% | 6,246 |
| Return on Equity (ROE) | 2.2619% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.6186% | 5,428 |
| Net charge-offs to loans | -0.0292% | 6,333 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9876% | 1,099 |
| Assets per employee ($millions) | 2.3279% | 6,979 |
| Cash dividends to net income (ytd only)* | 28.4404% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 5,546 |
| Loan loss allowance to noncurrent loans | 37.4421% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 3.3276% | 1,734 |
| Noncurrent loans to loans | 3.1754% | 2,025 |
| Net loans and leases to total assets | 62.0377% | 3,247 |
| Net loans and leases to deposits | 69.5861% | 3,791 |
| Net loans and leases to core deposits | 72.7126% | 4,055 |
| Total domestic deposits to total assets | 89.1524% | 1,597 |
| Equity capital to assets | 8.9117% | 5,623 |
| Core capital (leverage) ratio | 8.7898% | 5,144 |
| Tier 1 risk-based capital ratio | 12.4101% | 5,680 |
| Total risk-based capital ratio | 13.5014% | 5,764 |
| Memoranda: | ||
| Average total assets | $214,334,500 | 2,954 |
| Average earning assets | $200,127,000 | 2,897 |
| Average equity | $19,276,000 | 3,313 |
| Average total loans | $137,087,500 | 2,825 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 1,962 |
| Cost of funding earning assets | 0.7092% | 5,481 |
| Net interest margin | 4.5164% | 1,095 |
| Noninterest income to average assets | 0.5588% | 3,438 |
| Noninterest expense to average assets | 4.2560% | 753 |
| Loan and lease loss provision to assets | 0.5963% | 1,737 |
| Net operating income to assets | 0.1430% | 5,758 |
| Return on assets (ROA) | 0.1442% | 5,892 |
| Pretax return on assets | -0.0626% | 6,182 |
| Return on Equity (ROE) | 1.6094% | 5,809 |
| Retained earnings to average equity (ytd only) | 0.0900% | 5,790 |
| Net charge-offs to loans | 1.1233% | 1,524 |
| Credit loss provision to net charge-offs | 78.3178% | 4,534 |
| Earnings coverage of net charge-offs (x) | 0.6984% | 5,285 |
| Efficiency ratio | 88.8933% | 1,282 |
| Assets per employee ($millions) | 2.2335% | 7,059 |
| Cash dividends to net income (ytd only)* | 94.4079% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 5,986 |
| Loan loss allowance to noncurrent loans | 32.9785% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 3.5098% | 1,686 |
| Noncurrent loans to loans | 3.1934% | 2,026 |
| Net loans and leases to total assets | 64.4728% | 3,086 |
| Net loans and leases to deposits | 73.0527% | 3,656 |
| Net loans and leases to core deposits | 76.7496% | 3,873 |
| Total domestic deposits to total assets | 88.2551% | 2,000 |
| Equity capital to assets | 9.0768% | 5,449 |
| Core capital (leverage) ratio | 8.6868% | 5,273 |
| Tier 1 risk-based capital ratio | 12.2132% | 5,677 |
| Total risk-based capital ratio | 13.1858% | 5,847 |
| Memoranda: | ||
| Average total assets | $210,807,600 | 2,936 |
| Average earning assets | $197,392,200 | 2,887 |
| Average equity | $18,889,200 | 3,296 |
| Average total loans | $142,885,400 | 2,741 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3471% | 1,686 |
| Cost of funding earning assets | 0.7373% | 5,545 |
| Net interest margin | 4.6098% | 928 |
| Noninterest income to average assets | 0.6582% | 2,834 |
| Noninterest expense to average assets | 4.3002% | 714 |
| Loan and lease loss provision to assets | 0.6576% | 1,479 |
| Net operating income to assets | 0.1134% | 5,930 |
| Return on assets (ROA) | 0.1159% | 6,040 |
| Pretax return on assets | 0.0241% | 6,206 |
| Return on Equity (ROE) | 1.2980% | 5,998 |
| Retained earnings to average equity (ytd only) | -0.5462% | 6,081 |
| Net charge-offs to loans | 1.1950% | 1,314 |
| Credit loss provision to net charge-offs | 80.4028% | 4,130 |
| Earnings coverage of net charge-offs (x) | 0.8304% | 4,992 |
| Efficiency ratio | 86.3613% | 1,495 |
| Assets per employee ($millions) | 2.1782% | 7,156 |
| Cash dividends to net income (ytd only)* | 142.0796% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 5,982 |
| Loan loss allowance to noncurrent loans | 41.2829% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 2.5858% | 2,494 |
| Noncurrent loans to loans | 2.5988% | 2,671 |
| Net loans and leases to total assets | 68.3937% | 2,401 |
| Net loans and leases to deposits | 77.1546% | 3,145 |
| Net loans and leases to core deposits | 81.4289% | 3,422 |
| Total domestic deposits to total assets | 88.6450% | 1,662 |
| Equity capital to assets | 9.1714% | 5,553 |
| Core capital (leverage) ratio | 8.8485% | 5,182 |
| Tier 1 risk-based capital ratio | 11.9671% | 5,916 |
| Total risk-based capital ratio | 12.9862% | 6,074 |
| Memoranda: | ||
| Average total assets | $210,465,000 | 2,951 |
| Average earning assets | $197,284,000 | 2,897 |
| Average equity | $18,796,750 | 3,312 |
| Average total loans | $144,043,500 | 2,749 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 1,819 |
| Cost of funding earning assets | 0.7614% | 5,618 |
| Net interest margin | 4.5590% | 998 |
| Noninterest income to average assets | 0.6714% | 2,705 |
| Noninterest expense to average assets | 4.3524% | 700 |
| Loan and lease loss provision to assets | 0.7728% | 1,198 |
| Net operating income to assets | -0.0114% | 6,242 |
| Return on assets (ROA) | -0.0114% | 6,312 |
| Pretax return on assets | -0.1840% | 6,443 |
| Return on Equity (ROE) | -0.1286% | 6,315 |
| Retained earnings to average equity (ytd only) | -1.9818% | 6,247 |
| Net charge-offs to loans | 1.7530% | 811 |
| Credit loss provision to net charge-offs | 64.6312% | 4,217 |
| Earnings coverage of net charge-offs (x) | 0.4925% | 4,937 |
| Efficiency ratio | 88.0829% | 1,408 |
| Assets per employee ($millions) | 2.1899% | 7,186 |
| Cash dividends to net income (ytd only)* | -1,441.6667% | 7,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 6,546 |
| Loan loss allowance to noncurrent loans | 88.5845% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.5455% | 3,876 |
| Noncurrent loans to loans | 1.0613% | 4,888 |
| Net loans and leases to total assets | 67.3620% | 2,750 |
| Net loans and leases to deposits | 79.3977% | 2,909 |
| Net loans and leases to core deposits | 82.2870% | 3,463 |
| Total domestic deposits to total assets | 84.8412% | 3,947 |
| Equity capital to assets | 8.8869% | 5,719 |
| Core capital (leverage) ratio | 8.6879% | 5,239 |
| Tier 1 risk-based capital ratio | 11.8174% | 5,927 |
| Total risk-based capital ratio | 12.7067% | 6,193 |
| Memoranda: | ||
| Average total assets | $210,917,670 | 2,964 |
| Average earning assets | $197,542,330 | 2,907 |
| Average equity | $18,669,670 | 3,309 |
| Average total loans | $143,869,000 | 2,774 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 1,990 |
| Cost of funding earning assets | 0.7851% | 5,644 |
| Net interest margin | 4.4807% | 1,114 |
| Noninterest income to average assets | 0.6109% | 3,088 |
| Noninterest expense to average assets | 4.5831% | 545 |
| Loan and lease loss provision to assets | 0.1466% | 4,179 |
| Net operating income to assets | 0.1466% | 5,955 |
| Return on assets (ROA) | 0.1466% | 6,013 |
| Pretax return on assets | 0.0742% | 6,225 |
| Return on Equity (ROE) | 1.6590% | 5,927 |
| Retained earnings to average equity (ytd only) | -0.2155% | 5,828 |
| Net charge-offs to loans | 1.4654% | 927 |
| Credit loss provision to net charge-offs | 14.6388% | 4,333 |
| Earnings coverage of net charge-offs (x) | 0.2205% | 4,447 |
| Efficiency ratio | 95.4041% | 956 |
| Assets per employee ($millions) | 2.1954% | 7,259 |
| Cash dividends to net income (ytd only)* | 112.9870% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 6,592 |
| Loan loss allowance to noncurrent loans | 64.2485% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.8582% | 3,484 |
| Noncurrent loans to loans | 1.4607% | 4,272 |
| Net loans and leases to total assets | 67.1666% | 2,721 |
| Net loans and leases to deposits | 77.5342% | 3,149 |
| Net loans and leases to core deposits | 80.6805% | 3,647 |
| Total domestic deposits to total assets | 86.6284% | 3,165 |
| Equity capital to assets | 8.7382% | 5,596 |
| Core capital (leverage) ratio | 8.8467% | 4,860 |
| Tier 1 risk-based capital ratio | 11.8879% | 5,791 |
| Total risk-based capital ratio | 12.7716% | 6,066 |
| Memoranda: | ||
| Average total assets | $210,164,500 | 2,986 |
| Average earning assets | $196,666,500 | 2,924 |
| Average equity | $18,565,500 | 3,314 |
| Average total loans | $143,578,000 | 2,811 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 2,045 |
| Cost of funding earning assets | 0.9225% | 6,067 |
| Net interest margin | 4.6386% | 930 |
| Noninterest income to average assets | 0.6720% | 3,008 |
| Noninterest expense to average assets | 4.4436% | 687 |
| Loan and lease loss provision to assets | 0.1054% | 6,089 |
| Net operating income to assets | 0.4009% | 4,534 |
| Return on assets (ROA) | 0.5642% | 3,986 |
| Pretax return on assets | 0.6540% | 4,148 |
| Return on Equity (ROE) | 6.1891% | 3,526 |
| Retained earnings to average equity (ytd only) | 3.4800% | 3,433 |
| Net charge-offs to loans | 0.0795% | 6,026 |
| Credit loss provision to net charge-offs | 186.2069% | 1,756 |
| Earnings coverage of net charge-offs (x) | 10.0603% | 1,757 |
| Efficiency ratio | 88.6390% | 1,427 |
| Assets per employee ($millions) | 2.0947% | 7,374 |
| Cash dividends to net income (ytd only)* | 43.7716% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 5,189 |
| Loan loss allowance to noncurrent loans | 69.0923% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 2.0566% | 3,278 |
| Noncurrent loans to loans | 1.8288% | 3,781 |
| Net loans and leases to total assets | 67.9749% | 2,989 |
| Net loans and leases to deposits | 78.4922% | 3,433 |
| Net loans and leases to core deposits | 81.4525% | 3,983 |
| Total domestic deposits to total assets | 86.6008% | 3,031 |
| Equity capital to assets | 8.9320% | 5,232 |
| Core capital (leverage) ratio | 8.7765% | 4,891 |
| Tier 1 risk-based capital ratio | 11.9005% | 5,568 |
| Total risk-based capital ratio | 13.0713% | 5,628 |
| Memoranda: | ||
| Average total assets | $204,900,000 | 3,039 |
| Average earning assets | $191,760,600 | 2,977 |
| Average equity | $18,678,000 | 3,318 |
| Average total loans | $145,826,400 | 2,843 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6132% | 2,020 |
| Cost of funding earning assets | 0.9319% | 6,269 |
| Net interest margin | 4.6812% | 881 |
| Noninterest income to average assets | 0.6527% | 3,108 |
| Noninterest expense to average assets | 4.4898% | 604 |
| Loan and lease loss provision to assets | 0.0764% | 6,282 |
| Net operating income to assets | 0.3380% | 5,016 |
| Return on assets (ROA) | 0.4973% | 4,524 |
| Pretax return on assets | 0.6912% | 4,259 |
| Return on Equity (ROE) | 5.4281% | 4,071 |
| Retained earnings to average equity (ytd only) | 2.4363% | 4,718 |
| Net charge-offs to loans | 0.0991% | 5,536 |
| Credit loss provision to net charge-offs | 107.3394% | 3,974 |
| Earnings coverage of net charge-offs (x) | 7.6789% | 2,284 |
| Efficiency ratio | 89.1524% | 1,352 |
| Assets per employee ($millions) | 2.0915% | 7,472 |
| Cash dividends to net income (ytd only)* | 55.1188% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 5,645 |
| Loan loss allowance to noncurrent loans | 109.1837% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 1.4471% | 4,284 |
| Noncurrent loans to loans | 1.0675% | 5,104 |
| Net loans and leases to total assets | 70.8283% | 2,524 |
| Net loans and leases to deposits | 82.4763% | 3,019 |
| Net loans and leases to core deposits | 85.2065% | 3,768 |
| Total domestic deposits to total assets | 85.8772% | 3,142 |
| Equity capital to assets | 9.2357% | 5,251 |
| Core capital (leverage) ratio | 8.9261% | 4,813 |
| Tier 1 risk-based capital ratio | 11.5269% | 5,903 |
| Total risk-based capital ratio | 12.6208% | 6,023 |
| Memoranda: | ||
| Average total assets | $204,280,500 | 3,091 |
| Average earning assets | $191,284,000 | 3,019 |
| Average equity | $18,716,750 | 3,355 |
| Average total loans | $146,590,750 | 2,861 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6566% | 1,919 |
| Cost of funding earning assets | 0.9389% | 6,429 |
| Net interest margin | 4.7177% | 792 |
| Noninterest income to average assets | 0.6224% | 3,174 |
| Noninterest expense to average assets | 4.4498% | 611 |
| Loan and lease loss provision to assets | 0.0617% | 6,334 |
| Net operating income to assets | 0.3749% | 4,873 |
| Return on assets (ROA) | 0.5009% | 4,473 |
| Pretax return on assets | 0.7008% | 4,237 |
| Return on Equity (ROE) | 5.4812% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.6148% | 3,798 |
| Net charge-offs to loans | 0.0601% | 5,552 |
| Credit loss provision to net charge-offs | 143.1818% | 2,770 |
| Earnings coverage of net charge-offs (x) | 13.5682% | 1,580 |
| Efficiency ratio | 88.3784% | 1,474 |
| Assets per employee ($millions) | 2.0734% | 7,538 |
| Cash dividends to net income (ytd only)* | 34.0509% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,505 |
| Loan loss allowance to noncurrent loans | 140.9984% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.3261% | 4,500 |
| Noncurrent loans to loans | 0.8445% | 5,586 |
| Net loans and leases to total assets | 69.6551% | 2,983 |
| Net loans and leases to deposits | 82.1870% | 3,239 |
| Net loans and leases to core deposits | 85.3086% | 3,934 |
| Total domestic deposits to total assets | 84.7521% | 3,749 |
| Equity capital to assets | 9.2519% | 5,076 |
| Core capital (leverage) ratio | 9.0617% | 4,505 |
| Tier 1 risk-based capital ratio | 11.5524% | 5,719 |
| Total risk-based capital ratio | 12.6566% | 5,837 |
| Memoranda: | ||
| Average total assets | $204,052,000 | 3,110 |
| Average earning assets | $190,857,330 | 3,049 |
| Average equity | $18,645,670 | 3,357 |
| Average total loans | $146,492,330 | 2,892 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 2,555 |
| Cost of funding earning assets | 0.9627% | 6,532 |
| Net interest margin | 4.5428% | 1,057 |
| Noninterest income to average assets | 0.6252% | 3,118 |
| Noninterest expense to average assets | 4.4533% | 610 |
| Loan and lease loss provision to assets | 0.0492% | 6,173 |
| Net operating income to assets | 0.2843% | 5,353 |
| Return on assets (ROA) | 0.4109% | 4,937 |
| Pretax return on assets | 0.5525% | 4,779 |
| Return on Equity (ROE) | 4.5255% | 4,639 |
| Retained earnings to average equity (ytd only) | 2.6417% | 4,561 |
| Net charge-offs to loans | 0.1221% | 4,237 |
| Credit loss provision to net charge-offs | 55.5556% | 4,388 |
| Earnings coverage of net charge-offs (x) | 4.8667% | 2,524 |
| Efficiency ratio | 91.1836% | 1,335 |
| Assets per employee ($millions) | 2.0945% | 7,617 |
| Cash dividends to net income (ytd only)* | 41.6268% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 5,839 |
| Loan loss allowance to noncurrent loans | 96.3387% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 4,402 |
| Noncurrent loans to loans | 1.1786% | 5,007 |
| Net loans and leases to total assets | 72.1712% | 2,411 |
| Net loans and leases to deposits | 84.7823% | 2,805 |
| Net loans and leases to core deposits | 87.4000% | 3,693 |
| Total domestic deposits to total assets | 85.1253% | 3,597 |
| Equity capital to assets | 9.1391% | 5,077 |
| Core capital (leverage) ratio | 9.0952% | 4,384 |
| Tier 1 risk-based capital ratio | 11.2251% | 5,930 |
| Total risk-based capital ratio | 12.2860% | 6,093 |
| Memoranda: | ||
| Average total assets | $203,444,500 | 3,175 |
| Average earning assets | $190,719,500 | 3,111 |
| Average equity | $18,473,000 | 3,404 |
| Average total loans | $147,387,500 | 2,937 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 2,550 |
| Cost of funding earning assets | 1.3601% | 6,093 |
| Net interest margin | 4.4650% | 1,257 |
| Noninterest income to average assets | 0.7238% | 2,829 |
| Noninterest expense to average assets | 4.4111% | 862 |
| Loan and lease loss provision to assets | 0.5800% | 3,484 |
| Net operating income to assets | 0.0412% | 5,359 |
| Return on assets (ROA) | 0.0998% | 5,258 |
| Pretax return on assets | -0.0660% | 5,551 |
| Return on Equity (ROE) | 1.1095% | 5,200 |
| Retained earnings to average equity (ytd only) | 0.1795% | 4,803 |
| Net charge-offs to loans | 1.0081% | 2,397 |
| Credit loss provision to net charge-offs | 78.6994% | 6,321 |
| Earnings coverage of net charge-offs (x) | 0.5733% | 5,534 |
| Efficiency ratio | 91.2586% | 1,617 |
| Assets per employee ($millions) | 2.0788% | 7,680 |
| Cash dividends to net income (ytd only)* | 83.8235% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,565 |
| Loan loss allowance to noncurrent loans | 83.7758% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2365% | 4,624 |
| Noncurrent loans to loans | 1.3888% | 4,597 |
| Net loans and leases to total assets | 71.0570% | 2,982 |
| Net loans and leases to deposits | 82.5959% | 3,521 |
| Net loans and leases to core deposits | 97.3091% | 4,312 |
| Total domestic deposits to total assets | 86.0297% | 3,008 |
| Equity capital to assets | 9.0213% | 5,113 |
| Core capital (leverage) ratio | 8.8112% | 4,751 |
| Tier 1 risk-based capital ratio | 11.0155% | 5,901 |
| Total risk-based capital ratio | 12.0747% | 6,057 |
| Memoranda: | ||
| Average total assets | $204,482,800 | 3,127 |
| Average earning assets | $188,219,800 | 3,111 |
| Average equity | $18,386,600 | 3,446 |
| Average total loans | $149,488,000 | 2,916 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8454% | 2,680 |
| Cost of funding earning assets | 1.4192% | 6,150 |
| Net interest margin | 4.4262% | 1,376 |
| Noninterest income to average assets | 0.7231% | 2,859 |
| Noninterest expense to average assets | 4.4082% | 821 |
| Loan and lease loss provision to assets | 0.7726% | 2,442 |
| Net operating income to assets | -0.1894% | 6,043 |
| Return on assets (ROA) | -0.1114% | 5,935 |
| Pretax return on assets | -0.2827% | 6,082 |
| Return on Equity (ROE) | -1.2398% | 5,973 |
| Retained earnings to average equity (ytd only) | -2.3927% | 5,797 |
| Net charge-offs to loans | 1.2264% | 1,670 |
| Credit loss provision to net charge-offs | 85.8177% | 5,598 |
| Earnings coverage of net charge-offs (x) | 0.4088% | 5,621 |
| Efficiency ratio | 92.2941% | 1,521 |
| Assets per employee ($millions) | 2.0716% | 7,739 |
| Cash dividends to net income (ytd only)* | -92.9821% | 7,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 4,932 |
| Loan loss allowance to noncurrent loans | 174.3565% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 5,702 |
| Noncurrent loans to loans | 0.7079% | 5,887 |
| Net loans and leases to total assets | 72.8344% | 2,837 |
| Net loans and leases to deposits | 83.9350% | 3,657 |
| Net loans and leases to core deposits | 99.0995% | 4,475 |
| Total domestic deposits to total assets | 86.7748% | 2,292 |
| Equity capital to assets | 9.0152% | 5,458 |
| Core capital (leverage) ratio | 8.6111% | 5,292 |
| Tier 1 risk-based capital ratio | 10.7636% | 6,199 |
| Total risk-based capital ratio | 11.8962% | 6,283 |
| Memoranda: | ||
| Average total assets | $204,674,000 | 3,149 |
| Average earning assets | $187,425,500 | 3,144 |
| Average equity | $18,388,750 | 3,469 |
| Average total loans | $150,245,000 | 2,948 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7812% | 3,134 |
| Cost of funding earning assets | 1.4724% | 6,251 |
| Net interest margin | 4.3088% | 1,635 |
| Noninterest income to average assets | 0.7187% | 2,874 |
| Noninterest expense to average assets | 4.3115% | 935 |
| Loan and lease loss provision to assets | 0.7217% | 2,272 |
| Net operating income to assets | -0.1833% | 6,161 |
| Return on assets (ROA) | -0.0670% | 6,013 |
| Pretax return on assets | -0.1962% | 6,117 |
| Return on Equity (ROE) | -0.7468% | 6,039 |
| Retained earnings to average equity (ytd only) | -0.7468% | 5,413 |
| Net charge-offs to loans | 1.1900% | 1,537 |
| Credit loss provision to net charge-offs | 82.7394% | 5,125 |
| Earnings coverage of net charge-offs (x) | 0.3942% | 5,292 |
| Efficiency ratio | 92.6142% | 1,596 |
| Assets per employee ($millions) | 1.9805% | 7,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 4,645 |
| Loan loss allowance to noncurrent loans | 120.4897% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 1.0890% | 4,775 |
| Noncurrent loans to loans | 1.0330% | 5,152 |
| Net loans and leases to total assets | 72.0366% | 3,216 |
| Net loans and leases to deposits | 84.4442% | 3,804 |
| Net loans and leases to core deposits | 99.5024% | 4,553 |
| Total domestic deposits to total assets | 85.3068% | 3,104 |
| Equity capital to assets | 8.8575% | 5,515 |
| Core capital (leverage) ratio | 8.6767% | 5,133 |
| Tier 1 risk-based capital ratio | 10.8155% | 6,062 |
| Total risk-based capital ratio | 11.9618% | 6,116 |
| Memoranda: | ||
| Average total assets | $205,915,670 | 3,153 |
| Average earning assets | $188,126,330 | 3,163 |
| Average equity | $18,479,670 | 3,471 |
| Average total loans | $150,930,330 | 2,965 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7170% | 3,704 |
| Cost of funding earning assets | 1.5704% | 6,157 |
| Net interest margin | 4.1466% | 2,100 |
| Noninterest income to average assets | 0.6975% | 2,904 |
| Noninterest expense to average assets | 4.1479% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2368% | 5,544 |
| Return on assets (ROA) | 0.3400% | 5,298 |
| Pretax return on assets | 0.4954% | 5,093 |
| Return on Equity (ROE) | 3.7639% | 5,051 |
| Retained earnings to average equity (ytd only) | 3.7639% | 3,805 |
| Net charge-offs to loans | 0.2274% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 2.0698% | 3,684 |
| Efficiency ratio | 92.3044% | 1,545 |
| Assets per employee ($millions) | 1.9385% | 7,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 4,111 |
| Loan loss allowance to noncurrent loans | 88.4984% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 4,245 |
| Noncurrent loans to loans | 1.4625% | 4,109 |
| Net loans and leases to total assets | 72.6487% | 3,083 |
| Net loans and leases to deposits | 83.7612% | 4,019 |
| Net loans and leases to core deposits | 98.8568% | 4,660 |
| Total domestic deposits to total assets | 86.7331% | 2,347 |
| Equity capital to assets | 9.1656% | 5,127 |
| Core capital (leverage) ratio | 8.9242% | 4,831 |
| Tier 1 risk-based capital ratio | 11.0553% | 5,855 |
| Total risk-based capital ratio | 12.2532% | 5,802 |
| Memoranda: | ||
| Average total assets | $205,887,000 | 3,167 |
| Average earning assets | $188,490,000 | 3,179 |
| Average equity | $18,597,500 | 3,471 |
| Average total loans | $151,272,500 | 2,984 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8006% | 1,672 |
| Cost of funding earning assets | 2.0306% | 6,318 |
| Net interest margin | 4.7699% | 835 |
| Noninterest income to average assets | 0.8255% | 2,380 |
| Noninterest expense to average assets | 4.5387% | 859 |
| Loan and lease loss provision to assets | 0.9768% | 1,509 |
| Net operating income to assets | -0.0629% | 6,458 |
| Return on assets (ROA) | -0.0562% | 6,301 |
| Pretax return on assets | -0.2986% | 6,463 |
| Return on Equity (ROE) | -0.6359% | 6,311 |
| Retained earnings to average equity (ytd only) | -0.6359% | 5,482 |
| Net charge-offs to loans | 1.0798% | 1,128 |
| Credit loss provision to net charge-offs | 125.1913% | 4,270 |
| Earnings coverage of net charge-offs (x) | 0.8559% | 5,713 |
| Efficiency ratio | 87.1739% | 1,748 |
| Assets per employee ($millions) | 1.9281% | 7,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 3,616 |
| Loan loss allowance to noncurrent loans | 112.8763% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 4,334 |
| Noncurrent loans to loans | 1.1746% | 4,173 |
| Net loans and leases to total assets | 72.3762% | 3,507 |
| Net loans and leases to deposits | 87.7332% | 3,840 |
| Net loans and leases to core deposits | 102.0131% | 4,611 |
| Total domestic deposits to total assets | 82.4958% | 3,997 |
| Equity capital to assets | 8.9031% | 5,501 |
| Core capital (leverage) ratio | 8.7294% | 5,150 |
| Tier 1 risk-based capital ratio | 10.7614% | 5,948 |
| Total risk-based capital ratio | 11.9904% | 5,875 |
| Memoranda: | ||
| Average total assets | $200,961,200 | 3,123 |
| Average earning assets | $184,573,000 | 3,126 |
| Average equity | $17,769,600 | 3,597 |
| Average total loans | $145,212,000 | 3,006 |