Home > Lake Elmo Bank > Performance and Condition Ratios
Lake Elmo Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0377% | 12 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 157,188.0000% | 14 |
| Cost of funding earning assets | 791.0000% | 10 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0137% | 4,511 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.8897% | 516 |
| Pretax return on assets | 2.0502% | 622 |
| Return on Equity (ROE) | 21.6700% | 481 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0004% | 2,892 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0692% | 2,823 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.0062% | 4,574 |
| Cash dividends to net income (ytd only)* | 2.0000% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 25.0000% | 3 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 7,419.0000% | 19 |
| Total domestic deposits to total assets | 66.0000% | 4,378 |
| Equity capital to assets | 26,083.0000% | 24 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $12,698,000 | 4,556 |
| Average earning assets | $3,590 | 4,580 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 2,909 |
| Cost of funding earning assets | 0.3935% | 4,267 |
| Net interest margin | 4.1097% | 1,050 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 2.3494% | 2,659 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.9208% | 551 |
| Return on assets (ROA) | 1.9208% | 543 |
| Pretax return on assets | 2.0785% | 686 |
| Return on Equity (ROE) | 22.5200% | 522 |
| Retained earnings to average equity (ytd only) | 15.4749% | 511 |
| Net charge-offs to loans | 0.0433% | 1,268 |
| Credit loss provision to net charge-offs | 525.4098% | 610 |
| Earnings coverage of net charge-offs (x) | 71.3607% | 1,104 |
| Efficiency ratio | 51.1503% | 3,821 |
| Assets per employee ($millions) | 6.7119% | 2,174 |
| Cash dividends to net income (ytd only)* | 31.2760% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 1,618 |
| Loan loss allowance to noncurrent loans | 582.0313% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 2,383 |
| Noncurrent loans to loans | 0.2338% | 2,413 |
| Net loans and leases to total assets | 76.1000% | 1,110 |
| Net loans and leases to deposits | 85.6395% | 1,609 |
| Net loans and leases to core deposits | 87.7197% | 2,072 |
| Total domestic deposits to total assets | 88.8700% | 1,299 |
| Equity capital to assets | 9.2559% | 2,253 |
| Core capital (leverage) ratio | 10.1276% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5971% | 1,179 |
| Memoranda: | ||
| Average total assets | $517,340,500 | 1,695 |
| Average earning assets | $498,810,000 | 1,640 |
| Average equity | $44,130,500 | 1,744 |
| Average total loans | $375,519,750 | 1,533 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 2,906 |
| Cost of funding earning assets | 0.3489% | 4,241 |
| Net interest margin | 4.0404% | 1,174 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.3158% | 2,757 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.7382% | 727 |
| Return on assets (ROA) | 1.7382% | 731 |
| Pretax return on assets | 1.8931% | 882 |
| Return on Equity (ROE) | 20.9400% | 621 |
| Retained earnings to average equity (ytd only) | 13.8108% | 709 |
| Net charge-offs to loans | 0.0349% | 1,199 |
| Credit loss provision to net charge-offs | 670.7692% | 536 |
| Earnings coverage of net charge-offs (x) | 83.0462% | 1,031 |
| Efficiency ratio | 52.9299% | 3,704 |
| Assets per employee ($millions) | 6.9103% | 2,000 |
| Cash dividends to net income (ytd only)* | 34.0430% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 1,753 |
| Loan loss allowance to noncurrent loans | 1,598.4227% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,144 |
| Noncurrent loans to loans | 0.0838% | 3,089 |
| Net loans and leases to total assets | 72.9400% | 1,418 |
| Net loans and leases to deposits | 81.9463% | 1,828 |
| Net loans and leases to core deposits | 83.5089% | 2,236 |
| Total domestic deposits to total assets | 89.0100% | 1,255 |
| Equity capital to assets | 8.7019% | 2,715 |
| Core capital (leverage) ratio | 9.5775% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1397% | 1,288 |
| Memoranda: | ||
| Average total assets | $524,227,333 | 1,678 |
| Average earning assets | $505,645,000 | 1,614 |
| Average equity | $43,516,667 | 1,763 |
| Average total loans | $372,957,000 | 1,527 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2651% | 2,889 |
| Cost of funding earning assets | 0.3141% | 4,157 |
| Net interest margin | 3.9510% | 1,368 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.3066% | 2,795 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.6764% | 857 |
| Return on assets (ROA) | 1.6764% | 855 |
| Pretax return on assets | 1.8256% | 1,025 |
| Return on Equity (ROE) | 20.6800% | 686 |
| Retained earnings to average equity (ytd only) | 20.6759% | 338 |
| Net charge-offs to loans | -0.0140% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.7313% | 3,632 |
| Assets per employee ($millions) | 7.2777% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3228% | 1,936 |
| Loan loss allowance to noncurrent loans | 160.1496% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 886 |
| Noncurrent loans to loans | 0.8260% | 927 |
| Net loans and leases to total assets | 69.1300% | 1,715 |
| Net loans and leases to deposits | 77.3989% | 2,004 |
| Net loans and leases to core deposits | 78.6994% | 2,342 |
| Total domestic deposits to total assets | 89.3100% | 1,415 |
| Equity capital to assets | 8.4036% | 2,964 |
| Core capital (leverage) ratio | 9.2831% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0360% | 1,361 |
| Memoranda: | ||
| Average total assets | $530,660,500 | 1,681 |
| Average earning assets | $511,967,000 | 1,613 |
| Average equity | $43,026,000 | 1,795 |
| Average total loans | $370,397,500 | 1,549 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5345% | 2,987 |
| Cost of funding earning assets | 0.1297% | 4,231 |
| Net interest margin | 3.4048% | 2,242 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 2.3760% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3168% | 1,372 |
| Return on assets (ROA) | 1.3168% | 1,332 |
| Pretax return on assets | 1.4288% | 1,690 |
| Return on Equity (ROE) | 16.6600% | 925 |
| Retained earnings to average equity (ytd only) | 6.5111% | 2,448 |
| Net charge-offs to loans | -0.0113% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.4469% | 2,704 |
| Assets per employee ($millions) | 7.3618% | 1,712 |
| Cash dividends to net income (ytd only)* | 60.9254% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,018 |
| Loan loss allowance to noncurrent loans | 203.0696% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 1,175 |
| Noncurrent loans to loans | 0.6275% | 1,178 |
| Net loans and leases to total assets | 68.6600% | 1,769 |
| Net loans and leases to deposits | 76.2480% | 2,081 |
| Net loans and leases to core deposits | 77.2404% | 2,330 |
| Total domestic deposits to total assets | 90.0500% | 1,342 |
| Equity capital to assets | 7.8117% | 3,179 |
| Core capital (leverage) ratio | 8.7048% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3508% | 1,521 |
| Memoranda: | ||
| Average total assets | $538,345,600 | 1,637 |
| Average earning assets | $519,502,000 | 1,580 |
| Average equity | $42,542,600 | 1,843 |
| Average total loans | $337,066,800 | 1,582 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2862% | 3,217 |
| Cost of funding earning assets | 0.1094% | 4,204 |
| Net interest margin | 3.1768% | 2,695 |
| Noninterest income to average assets | 0.5500% | 1,907 |
| Noninterest expense to average assets | 2.2745% | 2,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2106% | 1,660 |
| Return on assets (ROA) | 1.2106% | 1,632 |
| Pretax return on assets | 1.3429% | 1,909 |
| Return on Equity (ROE) | 15.2800% | 1,117 |
| Retained earnings to average equity (ytd only) | 10.3827% | 1,233 |
| Net charge-offs to loans | -0.0162% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.8768% | 2,706 |
| Assets per employee ($millions) | 7.6245% | 1,534 |
| Cash dividends to net income (ytd only)* | 32.0359% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,989 |
| Loan loss allowance to noncurrent loans | 753.0449% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 2,832 |
| Noncurrent loans to loans | 0.1737% | 2,723 |
| Net loans and leases to total assets | 64.5700% | 2,029 |
| Net loans and leases to deposits | 71.5864% | 2,240 |
| Net loans and leases to core deposits | 72.5295% | 2,444 |
| Total domestic deposits to total assets | 90.2000% | 1,567 |
| Equity capital to assets | 7.5311% | 3,200 |
| Core capital (leverage) ratio | 8.6158% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8618% | 1,466 |
| Memoranda: | ||
| Average total assets | $540,419,500 | 1,643 |
| Average earning assets | $521,604,500 | 1,586 |
| Average equity | $42,826,750 | 1,853 |
| Average total loans | $329,178,000 | 1,604 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0643% | 3,394 |
| Cost of funding earning assets | 0.1002% | 4,188 |
| Net interest margin | 2.9640% | 2,993 |
| Noninterest income to average assets | 0.5707% | 1,861 |
| Noninterest expense to average assets | 2.2609% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0547% | 1,955 |
| Return on assets (ROA) | 1.0547% | 1,922 |
| Pretax return on assets | 1.1701% | 2,170 |
| Return on Equity (ROE) | 13.0882% | 1,364 |
| Retained earnings to average equity (ytd only) | 9.1872% | 1,232 |
| Net charge-offs to loans | -0.0056% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8968% | 2,526 |
| Assets per employee ($millions) | 7.2802% | 1,750 |
| Cash dividends to net income (ytd only)* | 29.8060% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 1,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 61.6823% | 2,156 |
| Net loans and leases to deposits | 68.3938% | 2,353 |
| Net loans and leases to core deposits | 69.4120% | 2,532 |
| Total domestic deposits to total assets | 90.1870% | 1,636 |
| Equity capital to assets | 7.8475% | 3,237 |
| Core capital (leverage) ratio | 8.6174% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1876% | 1,393 |
| Memoranda: | ||
| Average total assets | $537,571,000 | 1,665 |
| Average earning assets | $518,751,000 | 1,610 |
| Average equity | $43,321,333 | 1,882 |
| Average total loans | $319,177,667 | 1,636 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8518% | 3,643 |
| Cost of funding earning assets | 0.1041% | 4,080 |
| Net interest margin | 2.7477% | 3,286 |
| Noninterest income to average assets | 0.6540% | 1,474 |
| Noninterest expense to average assets | 2.3017% | 2,494 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9073% | 2,251 |
| Return on assets (ROA) | 0.9073% | 2,248 |
| Pretax return on assets | 1.0064% | 2,418 |
| Return on Equity (ROE) | 11.1123% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.1123% | 765 |
| Net charge-offs to loans | -0.0064% | 3,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5789% | 2,292 |
| Assets per employee ($millions) | 6.8255% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,610 |
| Loan loss allowance to noncurrent loans | 42,400.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,094 |
| Noncurrent loans to loans | 0.0035% | 4,021 |
| Net loans and leases to total assets | 58.2042% | 2,277 |
| Net loans and leases to deposits | 64.6284% | 2,469 |
| Net loans and leases to core deposits | 65.6123% | 2,667 |
| Total domestic deposits to total assets | 90.0598% | 1,530 |
| Equity capital to assets | 8.1127% | 3,481 |
| Core capital (leverage) ratio | 8.4459% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9780% | 1,261 |
| Memoranda: | ||
| Average total assets | $536,990,000 | 1,671 |
| Average earning assets | $518,691,000 | 1,620 |
| Average equity | $43,843,500 | 1,922 |
| Average total loans | $310,281,000 | 1,660 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1326% | 3,617 |
| Cost of funding earning assets | 0.1401% | 4,067 |
| Net interest margin | 2.9925% | 3,216 |
| Noninterest income to average assets | 0.7759% | 1,516 |
| Noninterest expense to average assets | 2.2546% | 2,931 |
| Loan and lease loss provision to assets | -0.0486% | 4,349 |
| Net operating income to assets | 1.3369% | 1,486 |
| Return on assets (ROA) | 1.3369% | 1,526 |
| Pretax return on assets | 1.4540% | 1,867 |
| Return on Equity (ROE) | 15.7482% | 796 |
| Retained earnings to average equity (ytd only) | 7.9646% | 1,561 |
| Net charge-offs to loans | -0.0275% | 4,088 |
| Credit loss provision to net charge-offs | 304.8780% | 1,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6018% | 2,925 |
| Assets per employee ($millions) | 6.6048% | 2,232 |
| Cash dividends to net income (ytd only)* | 49.4253% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 1,475 |
| Loan loss allowance to noncurrent loans | 775.2080% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 3,153 |
| Noncurrent loans to loans | 0.1964% | 2,964 |
| Net loans and leases to total assets | 55.6446% | 2,657 |
| Net loans and leases to deposits | 61.7778% | 2,900 |
| Net loans and leases to core deposits | 62.7011% | 3,099 |
| Total domestic deposits to total assets | 90.0723% | 927 |
| Equity capital to assets | 8.2157% | 4,224 |
| Core capital (leverage) ratio | 8.2037% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0926% | 1,243 |
| Memoranda: | ||
| Average total assets | $514,115,000 | 1,665 |
| Average earning assets | $495,467,600 | 1,621 |
| Average equity | $43,643,200 | 1,959 |
| Average total loans | $297,729,400 | 1,712 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1241% | 3,758 |
| Cost of funding earning assets | 0.1482% | 4,124 |
| Net interest margin | 2.9759% | 3,371 |
| Noninterest income to average assets | 0.7970% | 1,535 |
| Noninterest expense to average assets | 2.2245% | 2,995 |
| Loan and lease loss provision to assets | 0.0656% | 1,683 |
| Net operating income to assets | 1.3721% | 1,622 |
| Return on assets (ROA) | 1.3721% | 1,676 |
| Pretax return on assets | 1.3731% | 2,427 |
| Return on Equity (ROE) | 16.0254% | 944 |
| Retained earnings to average equity (ytd only) | 9.2192% | 1,609 |
| Net charge-offs to loans | -0.0401% | 4,255 |
| Credit loss provision to net charge-offs | -280.8989% | 3,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7233% | 2,874 |
| Assets per employee ($millions) | 6.5953% | 2,183 |
| Cash dividends to net income (ytd only)* | 42.4713% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 1,039 |
| Loan loss allowance to noncurrent loans | 7,827.2727% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,140 |
| Noncurrent loans to loans | 0.0222% | 4,037 |
| Net loans and leases to total assets | 55.4222% | 2,801 |
| Net loans and leases to deposits | 61.9284% | 3,049 |
| Net loans and leases to core deposits | 62.8627% | 3,232 |
| Total domestic deposits to total assets | 89.4940% | 1,016 |
| Equity capital to assets | 8.4335% | 4,257 |
| Core capital (leverage) ratio | 8.3019% | 4,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2399% | 1,094 |
| Memoranda: | ||
| Average total assets | $507,245,250 | 1,701 |
| Average earning assets | $488,574,000 | 1,655 |
| Average equity | $43,430,000 | 1,990 |
| Average total loans | $295,655,000 | 1,758 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1292% | 3,803 |
| Cost of funding earning assets | 0.1557% | 4,163 |
| Net interest margin | 2.9736% | 3,385 |
| Noninterest income to average assets | 0.8664% | 1,364 |
| Noninterest expense to average assets | 2.2208% | 3,017 |
| Loan and lease loss provision to assets | 0.0999% | 1,269 |
| Net operating income to assets | 1.4071% | 1,546 |
| Return on assets (ROA) | 1.4071% | 1,611 |
| Pretax return on assets | 1.4087% | 2,308 |
| Return on Equity (ROE) | 16.3485% | 891 |
| Retained earnings to average equity (ytd only) | 9.3884% | 1,593 |
| Net charge-offs to loans | -0.0488% | 4,365 |
| Credit loss provision to net charge-offs | -347.2222% | 3,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5478% | 3,074 |
| Assets per employee ($millions) | 6.3914% | 2,239 |
| Cash dividends to net income (ytd only)* | 42.5731% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7600% | 952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 56.2100% | 2,874 |
| Net loans and leases to deposits | 62.6357% | 3,137 |
| Net loans and leases to core deposits | 63.5512% | 3,328 |
| Total domestic deposits to total assets | 89.7411% | 900 |
| Equity capital to assets | 8.5365% | 4,173 |
| Core capital (leverage) ratio | 8.4252% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6145% | 1,014 |
| Memoranda: | ||
| Average total assets | $500,453,333 | 1,714 |
| Average earning assets | $481,846,333 | 1,660 |
| Average equity | $43,074,333 | 1,991 |
| Average total loans | $295,011,667 | 1,766 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 3,627 |
| Cost of funding earning assets | 0.1587% | 4,248 |
| Net interest margin | 3.0728% | 3,075 |
| Noninterest income to average assets | 1.0012% | 1,129 |
| Noninterest expense to average assets | 2.2520% | 2,936 |
| Loan and lease loss provision to assets | 0.1212% | 1,131 |
| Net operating income to assets | 1.5821% | 1,162 |
| Return on assets (ROA) | 1.5821% | 1,215 |
| Pretax return on assets | 1.5854% | 1,772 |
| Return on Equity (ROE) | 18.3044% | 692 |
| Retained earnings to average equity (ytd only) | 18.3044% | 349 |
| Net charge-offs to loans | -0.0338% | 4,229 |
| Credit loss provision to net charge-offs | -600.0000% | 3,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8892% | 3,439 |
| Assets per employee ($millions) | 6.3991% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7281% | 983 |
| Loan loss allowance to noncurrent loans | 509.3686% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 3,183 |
| Noncurrent loans to loans | 0.3393% | 2,881 |
| Net loans and leases to total assets | 56.9909% | 2,911 |
| Net loans and leases to deposits | 63.7664% | 3,145 |
| Net loans and leases to core deposits | 64.8252% | 3,332 |
| Total domestic deposits to total assets | 89.3744% | 1,140 |
| Equity capital to assets | 8.7369% | 3,923 |
| Core capital (leverage) ratio | 8.7859% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8313% | 953 |
| Memoranda: | ||
| Average total assets | $495,023,500 | 1,717 |
| Average earning assets | $476,442,000 | 1,659 |
| Average equity | $42,787,500 | 1,994 |
| Average total loans | $296,238,500 | 1,764 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 3,464 |
| Cost of funding earning assets | 0.2175% | 4,518 |
| Net interest margin | 3.5264% | 2,387 |
| Noninterest income to average assets | 0.7693% | 1,630 |
| Noninterest expense to average assets | 2.5569% | 2,678 |
| Loan and lease loss provision to assets | 0.1700% | 2,259 |
| Net operating income to assets | 1.4122% | 995 |
| Return on assets (ROA) | 1.4122% | 1,077 |
| Pretax return on assets | 1.4132% | 1,614 |
| Return on Equity (ROE) | 14.9334% | 653 |
| Retained earnings to average equity (ytd only) | 6.5505% | 1,571 |
| Net charge-offs to loans | -0.0574% | 4,695 |
| Credit loss provision to net charge-offs | -430.5882% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7594% | 3,180 |
| Assets per employee ($millions) | 6.4595% | 1,944 |
| Cash dividends to net income (ytd only)* | 56.1349% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 1,317 |
| Loan loss allowance to noncurrent loans | 466.3768% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 3,233 |
| Noncurrent loans to loans | 0.3416% | 2,985 |
| Net loans and leases to total assets | 60.7413% | 2,766 |
| Net loans and leases to deposits | 68.2808% | 3,050 |
| Net loans and leases to core deposits | 69.3434% | 3,301 |
| Total domestic deposits to total assets | 88.9581% | 1,005 |
| Equity capital to assets | 8.5486% | 4,415 |
| Core capital (leverage) ratio | 8.7642% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5100% | 1,151 |
| Memoranda: | ||
| Average total assets | $430,525,600 | 1,765 |
| Average earning assets | $411,528,200 | 1,730 |
| Average equity | $40,714,200 | 1,999 |
| Average total loans | $296,137,400 | 1,698 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 3,499 |
| Cost of funding earning assets | 0.2297% | 4,572 |
| Net interest margin | 3.5919% | 2,303 |
| Noninterest income to average assets | 0.7581% | 1,625 |
| Noninterest expense to average assets | 2.6122% | 2,503 |
| Loan and lease loss provision to assets | 0.1868% | 2,118 |
| Net operating income to assets | 1.3852% | 1,135 |
| Return on assets (ROA) | 1.3849% | 1,234 |
| Pretax return on assets | 1.3862% | 1,781 |
| Return on Equity (ROE) | 14.2402% | 832 |
| Retained earnings to average equity (ytd only) | 8.4550% | 1,152 |
| Net charge-offs to loans | -0.0743% | 4,770 |
| Credit loss provision to net charge-offs | -354.8780% | 3,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4109% | 3,007 |
| Assets per employee ($millions) | 5.8221% | 2,425 |
| Cash dividends to net income (ytd only)* | 40.6257% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,357 |
| Loan loss allowance to noncurrent loans | 478.5861% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,368 |
| Noncurrent loans to loans | 0.3152% | 3,157 |
| Net loans and leases to total assets | 67.1484% | 2,371 |
| Net loans and leases to deposits | 76.0985% | 2,745 |
| Net loans and leases to core deposits | 77.4946% | 3,056 |
| Total domestic deposits to total assets | 88.2388% | 1,095 |
| Equity capital to assets | 9.2432% | 3,917 |
| Core capital (leverage) ratio | 8.9396% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2141% | 1,205 |
| Memoranda: | ||
| Average total assets | $415,427,000 | 1,793 |
| Average earning assets | $396,396,000 | 1,758 |
| Average equity | $40,401,000 | 1,995 |
| Average total loans | $294,417,250 | 1,703 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 3,545 |
| Cost of funding earning assets | 0.2424% | 4,646 |
| Net interest margin | 3.6855% | 2,223 |
| Noninterest income to average assets | 0.7627% | 1,543 |
| Noninterest expense to average assets | 2.6115% | 2,628 |
| Loan and lease loss provision to assets | 0.1997% | 2,051 |
| Net operating income to assets | 1.4618% | 994 |
| Return on assets (ROA) | 1.4618% | 1,083 |
| Pretax return on assets | 1.4638% | 1,550 |
| Return on Equity (ROE) | 14.7557% | 746 |
| Retained earnings to average equity (ytd only) | 8.6117% | 1,129 |
| Net charge-offs to loans | 0.0104% | 2,575 |
| Credit loss provision to net charge-offs | 2,680.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 223.2000% | 406 |
| Efficiency ratio | 61.0879% | 3,264 |
| Assets per employee ($millions) | 5.6270% | 2,518 |
| Cash dividends to net income (ytd only)* | 41.6383% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 1,577 |
| Loan loss allowance to noncurrent loans | 993.5484% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 4,042 |
| Noncurrent loans to loans | 0.1411% | 3,894 |
| Net loans and leases to total assets | 68.2251% | 2,312 |
| Net loans and leases to deposits | 77.5061% | 2,712 |
| Net loans and leases to core deposits | 78.9512% | 3,030 |
| Total domestic deposits to total assets | 88.0254% | 1,165 |
| Equity capital to assets | 9.2535% | 3,876 |
| Core capital (leverage) ratio | 9.3663% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6927% | 1,318 |
| Memoranda: | ||
| Average total assets | $402,527,000 | 1,809 |
| Average earning assets | $383,606,667 | 1,772 |
| Average equity | $39,876,000 | 2,006 |
| Average total loans | $289,353,000 | 1,712 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 3,371 |
| Cost of funding earning assets | 0.2713% | 4,729 |
| Net interest margin | 3.8807% | 1,734 |
| Noninterest income to average assets | 0.8283% | 1,232 |
| Noninterest expense to average assets | 2.7228% | 2,648 |
| Loan and lease loss provision to assets | 0.0923% | 2,530 |
| Net operating income to assets | 1.6985% | 517 |
| Return on assets (ROA) | 1.6985% | 569 |
| Pretax return on assets | 1.7026% | 852 |
| Return on Equity (ROE) | 16.5110% | 381 |
| Retained earnings to average equity (ytd only) | 16.5110% | 130 |
| Net charge-offs to loans | -0.0086% | 4,023 |
| Credit loss provision to net charge-offs | -1,466.6667% | 3,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2692% | 3,706 |
| Assets per employee ($millions) | 4.7192% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,622 |
| Loan loss allowance to noncurrent loans | 630.9262% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 3,841 |
| Noncurrent loans to loans | 0.2253% | 3,676 |
| Net loans and leases to total assets | 72.0193% | 1,916 |
| Net loans and leases to deposits | 82.2818% | 2,419 |
| Net loans and leases to core deposits | 83.9426% | 2,857 |
| Total domestic deposits to total assets | 87.5276% | 1,315 |
| Equity capital to assets | 10.4141% | 3,396 |
| Core capital (leverage) ratio | 10.4584% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0821% | 1,583 |
| Memoranda: | ||
| Average total assets | $381,524,000 | 1,835 |
| Average earning assets | $362,720,000 | 1,805 |
| Average equity | $39,246,500 | 2,014 |
| Average total loans | $280,232,000 | 1,714 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 3,629 |
| Cost of funding earning assets | 0.2422% | 4,870 |
| Net interest margin | 4.0240% | 1,775 |
| Noninterest income to average assets | 0.7937% | 1,470 |
| Noninterest expense to average assets | 2.7311% | 2,798 |
| Loan and lease loss provision to assets | 0.0740% | 2,516 |
| Net operating income to assets | 1.8105% | 512 |
| Return on assets (ROA) | 1.8105% | 539 |
| Pretax return on assets | 1.8116% | 911 |
| Return on Equity (ROE) | 18.5863% | 297 |
| Retained earnings to average equity (ytd only) | 8.5334% | 827 |
| Net charge-offs to loans | -0.0403% | 4,783 |
| Credit loss provision to net charge-offs | -255.5556% | 4,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1566% | 3,818 |
| Assets per employee ($millions) | 4.3227% | 3,477 |
| Cash dividends to net income (ytd only)* | 54.0877% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4131% | 1,478 |
| Loan loss allowance to noncurrent loans | 831.5678% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 4,017 |
| Noncurrent loans to loans | 0.1699% | 3,851 |
| Net loans and leases to total assets | 72.8112% | 1,948 |
| Net loans and leases to deposits | 83.0094% | 2,439 |
| Net loans and leases to core deposits | 84.9749% | 2,873 |
| Total domestic deposits to total assets | 87.7144% | 1,266 |
| Equity capital to assets | 10.1557% | 3,782 |
| Core capital (leverage) ratio | 10.0364% | 3,476 |
| Tier 1 risk-based capital ratio | 14.3375% | 3,098 |
| Total risk-based capital ratio | 15.5904% | 3,006 |
| Memoranda: | ||
| Average total assets | $372,931,000 | 1,834 |
| Average earning assets | $354,295,000 | 1,800 |
| Average equity | $36,327,800 | 2,082 |
| Average total loans | $267,800,000 | 1,744 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 3,853 |
| Cost of funding earning assets | 0.2313% | 4,970 |
| Net interest margin | 4.0003% | 1,940 |
| Noninterest income to average assets | 0.7760% | 1,501 |
| Noninterest expense to average assets | 2.7172% | 2,818 |
| Loan and lease loss provision to assets | 0.0742% | 2,405 |
| Net operating income to assets | 1.7824% | 634 |
| Return on assets (ROA) | 1.7824% | 666 |
| Pretax return on assets | 1.7838% | 1,128 |
| Return on Equity (ROE) | 18.4966% | 353 |
| Retained earnings to average equity (ytd only) | 10.9195% | 545 |
| Net charge-offs to loans | -0.0613% | 4,884 |
| Credit loss provision to net charge-offs | -169.6721% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3892% | 3,751 |
| Assets per employee ($millions) | 4.3772% | 3,370 |
| Cash dividends to net income (ytd only)* | 40.9649% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,561 |
| Loan loss allowance to noncurrent loans | 681.5141% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 3,987 |
| Noncurrent loans to loans | 0.2060% | 3,800 |
| Net loans and leases to total assets | 72.2332% | 2,141 |
| Net loans and leases to deposits | 81.7351% | 2,720 |
| Net loans and leases to core deposits | 83.1216% | 3,171 |
| Total domestic deposits to total assets | 88.3747% | 888 |
| Equity capital to assets | 10.0558% | 3,963 |
| Core capital (leverage) ratio | 10.0283% | 3,615 |
| Tier 1 risk-based capital ratio | 14.3774% | 3,145 |
| Total risk-based capital ratio | 15.6300% | 3,048 |
| Memoranda: | ||
| Average total assets | $372,145,250 | 1,855 |
| Average earning assets | $353,428,250 | 1,816 |
| Average equity | $35,861,500 | 2,111 |
| Average total loans | $265,312,750 | 1,761 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 3,965 |
| Cost of funding earning assets | 0.2187% | 5,035 |
| Net interest margin | 3.9650% | 2,038 |
| Noninterest income to average assets | 0.8362% | 1,230 |
| Noninterest expense to average assets | 2.7067% | 2,880 |
| Loan and lease loss provision to assets | 0.0745% | 2,329 |
| Net operating income to assets | 1.8187% | 570 |
| Return on assets (ROA) | 1.8187% | 595 |
| Pretax return on assets | 1.8208% | 988 |
| Return on Equity (ROE) | 19.1549% | 308 |
| Retained earnings to average equity (ytd only) | 12.0123% | 404 |
| Net charge-offs to loans | -0.1008% | 4,999 |
| Credit loss provision to net charge-offs | -104.5455% | 3,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8159% | 3,891 |
| Assets per employee ($millions) | 4.3510% | 3,365 |
| Cash dividends to net income (ytd only)* | 37.2886% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 1,580 |
| Loan loss allowance to noncurrent loans | 648.2993% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 3,968 |
| Noncurrent loans to loans | 0.2172% | 3,762 |
| Net loans and leases to total assets | 72.1827% | 2,189 |
| Net loans and leases to deposits | 81.6433% | 2,771 |
| Net loans and leases to core deposits | 83.0597% | 3,191 |
| Total domestic deposits to total assets | 88.4123% | 916 |
| Equity capital to assets | 9.9678% | 3,999 |
| Core capital (leverage) ratio | 9.9249% | 3,670 |
| Tier 1 risk-based capital ratio | 14.1530% | 3,240 |
| Total risk-based capital ratio | 15.4056% | 3,157 |
| Memoranda: | ||
| Average total assets | $370,714,000 | 1,866 |
| Average earning assets | $352,084,000 | 1,827 |
| Average equity | $35,197,330 | 2,132 |
| Average total loans | $261,822,000 | 1,783 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 4,230 |
| Cost of funding earning assets | 0.2007% | 5,117 |
| Net interest margin | 3.8624% | 2,304 |
| Noninterest income to average assets | 0.7264% | 1,524 |
| Noninterest expense to average assets | 2.6792% | 2,972 |
| Loan and lease loss provision to assets | 0.0744% | 2,187 |
| Net operating income to assets | 1.6403% | 825 |
| Return on assets (ROA) | 1.6403% | 852 |
| Pretax return on assets | 1.6446% | 1,361 |
| Return on Equity (ROE) | 17.7162% | 427 |
| Retained earnings to average equity (ytd only) | 17.7162% | 153 |
| Net charge-offs to loans | -0.1461% | 5,117 |
| Credit loss provision to net charge-offs | -73.4043% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9164% | 3,691 |
| Assets per employee ($millions) | 4.5086% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 1,616 |
| Loan loss allowance to noncurrent loans | 440.5470% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 3,730 |
| Noncurrent loans to loans | 0.3213% | 3,419 |
| Net loans and leases to total assets | 68.9595% | 2,628 |
| Net loans and leases to deposits | 77.5083% | 3,113 |
| Net loans and leases to core deposits | 78.8280% | 3,462 |
| Total domestic deposits to total assets | 88.9705% | 870 |
| Equity capital to assets | 9.5020% | 4,258 |
| Core capital (leverage) ratio | 9.9174% | 3,690 |
| Tier 1 risk-based capital ratio | 14.3917% | 3,151 |
| Total risk-based capital ratio | 15.6446% | 3,076 |
| Memoranda: | ||
| Average total assets | $371,155,500 | 1,871 |
| Average earning assets | $352,842,000 | 1,834 |
| Average equity | $34,364,000 | 2,172 |
| Average total loans | $257,350,000 | 1,821 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 4,493 |
| Cost of funding earning assets | 0.1615% | 5,146 |
| Net interest margin | 3.6347% | 3,265 |
| Noninterest income to average assets | 0.7032% | 1,842 |
| Noninterest expense to average assets | 2.5728% | 3,410 |
| Loan and lease loss provision to assets | 0.0626% | 2,907 |
| Net operating income to assets | 1.5218% | 1,066 |
| Return on assets (ROA) | 1.5218% | 1,047 |
| Pretax return on assets | 1.5229% | 1,703 |
| Return on Equity (ROE) | 18.1996% | 372 |
| Retained earnings to average equity (ytd only) | 7.8417% | 1,313 |
| Net charge-offs to loans | -0.1176% | 5,182 |
| Credit loss provision to net charge-offs | -86.3309% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8722% | 3,555 |
| Assets per employee ($millions) | 4.3821% | 3,329 |
| Cash dividends to net income (ytd only)* | 56.9128% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 1,638 |
| Loan loss allowance to noncurrent loans | 322.5865% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 3,381 |
| Noncurrent loans to loans | 0.4341% | 2,983 |
| Net loans and leases to total assets | 67.7531% | 2,913 |
| Net loans and leases to deposits | 76.0199% | 3,348 |
| Net loans and leases to core deposits | 77.3000% | 3,623 |
| Total domestic deposits to total assets | 89.1254% | 809 |
| Equity capital to assets | 9.0112% | 4,566 |
| Core capital (leverage) ratio | 9.3574% | 4,293 |
| Tier 1 risk-based capital ratio | 14.0760% | 3,258 |
| Total risk-based capital ratio | 15.3283% | 3,188 |
| Memoranda: | ||
| Average total assets | $383,552,000 | 1,787 |
| Average earning assets | $364,597,600 | 1,749 |
| Average equity | $32,072,200 | 2,213 |
| Average total loans | $236,465,400 | 1,907 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 4,632 |
| Cost of funding earning assets | 0.1524% | 5,211 |
| Net interest margin | 3.5550% | 3,505 |
| Noninterest income to average assets | 0.6962% | 1,874 |
| Noninterest expense to average assets | 2.5336% | 3,491 |
| Loan and lease loss provision to assets | 0.0619% | 2,739 |
| Net operating income to assets | 1.4788% | 1,249 |
| Return on assets (ROA) | 1.4788% | 1,248 |
| Pretax return on assets | 1.4802% | 1,969 |
| Return on Equity (ROE) | 18.0176% | 424 |
| Retained earnings to average equity (ytd only) | 10.7510% | 708 |
| Net charge-offs to loans | -0.1590% | 5,262 |
| Credit loss provision to net charge-offs | -64.9819% | 4,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1633% | 3,486 |
| Assets per employee ($millions) | 4.5669% | 3,019 |
| Cash dividends to net income (ytd only)* | 40.3305% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 1,670 |
| Loan loss allowance to noncurrent loans | 347.7522% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 3,461 |
| Noncurrent loans to loans | 0.4046% | 3,201 |
| Net loans and leases to total assets | 63.5890% | 3,475 |
| Net loans and leases to deposits | 71.4103% | 3,816 |
| Net loans and leases to core deposits | 72.6303% | 4,034 |
| Total domestic deposits to total assets | 89.0474% | 832 |
| Equity capital to assets | 8.4897% | 4,926 |
| Core capital (leverage) ratio | 9.1742% | 4,539 |
| Tier 1 risk-based capital ratio | 14.1638% | 3,289 |
| Total risk-based capital ratio | 15.4160% | 3,202 |
| Memoranda: | ||
| Average total assets | $387,415,750 | 1,778 |
| Average earning assets | $368,297,750 | 1,734 |
| Average equity | $31,797,750 | 2,232 |
| Average total loans | $232,347,000 | 1,934 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5982% | 4,771 |
| Cost of funding earning assets | 0.1526% | 5,236 |
| Net interest margin | 3.4456% | 3,818 |
| Noninterest income to average assets | 0.6751% | 1,978 |
| Noninterest expense to average assets | 2.5162% | 3,589 |
| Loan and lease loss provision to assets | 0.0617% | 2,668 |
| Net operating income to assets | 1.3718% | 1,531 |
| Return on assets (ROA) | 1.3718% | 1,533 |
| Pretax return on assets | 1.3739% | 2,247 |
| Return on Equity (ROE) | 16.9050% | 536 |
| Retained earnings to average equity (ytd only) | 10.3675% | 824 |
| Net charge-offs to loans | -0.1856% | 5,314 |
| Credit loss provision to net charge-offs | -56.8720% | 4,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6719% | 3,365 |
| Assets per employee ($millions) | 4.5863% | 2,988 |
| Cash dividends to net income (ytd only)* | 38.6722% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 1,746 |
| Loan loss allowance to noncurrent loans | 453.9919% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 3,759 |
| Noncurrent loans to loans | 0.3082% | 3,607 |
| Net loans and leases to total assets | 62.8650% | 3,519 |
| Net loans and leases to deposits | 69.7139% | 3,883 |
| Net loans and leases to core deposits | 70.7935% | 4,100 |
| Total domestic deposits to total assets | 90.1757% | 513 |
| Equity capital to assets | 8.4786% | 4,959 |
| Core capital (leverage) ratio | 8.8846% | 4,804 |
| Tier 1 risk-based capital ratio | 14.1287% | 3,299 |
| Total risk-based capital ratio | 15.3805% | 3,215 |
| Memoranda: | ||
| Average total assets | $388,681,670 | 1,775 |
| Average earning assets | $369,633,670 | 1,738 |
| Average equity | $31,541,000 | 2,253 |
| Average total loans | $227,322,670 | 1,970 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4419% | 4,963 |
| Cost of funding earning assets | 0.1521% | 5,255 |
| Net interest margin | 3.2897% | 4,221 |
| Noninterest income to average assets | 0.6471% | 2,042 |
| Noninterest expense to average assets | 2.4841% | 3,698 |
| Loan and lease loss provision to assets | 0.0608% | 2,561 |
| Net operating income to assets | 1.2294% | 1,896 |
| Return on assets (ROA) | 1.2294% | 1,905 |
| Pretax return on assets | 1.2335% | 2,627 |
| Return on Equity (ROE) | 15.4805% | 711 |
| Retained earnings to average equity (ytd only) | 15.4805% | 285 |
| Net charge-offs to loans | -0.2623% | 5,425 |
| Credit loss provision to net charge-offs | -41.3793% | 3,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7464% | 3,219 |
| Assets per employee ($millions) | 4.7950% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 1,639 |
| Loan loss allowance to noncurrent loans | 624.5648% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 4,033 |
| Noncurrent loans to loans | 0.2329% | 3,937 |
| Net loans and leases to total assets | 55.6377% | 4,150 |
| Net loans and leases to deposits | 61.5219% | 4,370 |
| Net loans and leases to core deposits | 62.5131% | 4,521 |
| Total domestic deposits to total assets | 90.4355% | 489 |
| Equity capital to assets | 8.0192% | 5,266 |
| Core capital (leverage) ratio | 8.5469% | 5,111 |
| Tier 1 risk-based capital ratio | 14.8898% | 2,928 |
| Total risk-based capital ratio | 16.1417% | 2,856 |
| Memoranda: | ||
| Average total assets | $394,984,500 | 1,762 |
| Average earning assets | $375,956,000 | 1,719 |
| Average equity | $31,368,500 | 2,279 |
| Average total loans | $221,096,500 | 2,029 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3589% | 4,998 |
| Cost of funding earning assets | 0.1589% | 5,212 |
| Net interest margin | 3.2000% | 4,447 |
| Noninterest income to average assets | 0.6723% | 2,081 |
| Noninterest expense to average assets | 2.4726% | 3,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2358% | 1,408 |
| Return on assets (ROA) | 1.2358% | 1,428 |
| Pretax return on assets | 1.2368% | 2,603 |
| Return on Equity (ROE) | 15.2410% | 580 |
| Retained earnings to average equity (ytd only) | 5.6502% | 1,738 |
| Net charge-offs to loans | 0.0589% | 2,630 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 37.4919% | 1,314 |
| Efficiency ratio | 66.6571% | 3,141 |
| Assets per employee ($millions) | 5.2207% | 2,232 |
| Cash dividends to net income (ytd only)* | 62.9279% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3733% | 1,868 |
| Loan loss allowance to noncurrent loans | 253.9043% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 3,365 |
| Noncurrent loans to loans | 0.5409% | 2,876 |
| Net loans and leases to total assets | 54.7353% | 4,295 |
| Net loans and leases to deposits | 60.7706% | 4,516 |
| Net loans and leases to core deposits | 61.7019% | 4,676 |
| Total domestic deposits to total assets | 90.0687% | 550 |
| Equity capital to assets | 7.8649% | 5,434 |
| Core capital (leverage) ratio | 7.9894% | 5,444 |
| Tier 1 risk-based capital ratio | 14.4009% | 3,138 |
| Total risk-based capital ratio | 15.6520% | 3,049 |
| Memoranda: | ||
| Average total assets | $375,882,800 | 1,804 |
| Average earning assets | $356,754,200 | 1,773 |
| Average equity | $30,477,000 | 2,324 |
| Average total loans | $210,522,400 | 2,071 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3242% | 5,078 |
| Cost of funding earning assets | 0.1582% | 5,266 |
| Net interest margin | 3.1660% | 4,547 |
| Noninterest income to average assets | 0.6834% | 2,068 |
| Noninterest expense to average assets | 2.4644% | 3,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2198% | 1,611 |
| Return on assets (ROA) | 1.2198% | 1,640 |
| Pretax return on assets | 1.2212% | 2,819 |
| Return on Equity (ROE) | 14.9241% | 661 |
| Retained earnings to average equity (ytd only) | 4.4275% | 3,263 |
| Net charge-offs to loans | 0.0647% | 2,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 33.6147% | 1,462 |
| Efficiency ratio | 66.8651% | 3,068 |
| Assets per employee ($millions) | 5.1068% | 2,321 |
| Cash dividends to net income (ytd only)* | 70.3332% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 1,787 |
| Loan loss allowance to noncurrent loans | 230.4841% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 3,422 |
| Noncurrent loans to loans | 0.6192% | 2,858 |
| Net loans and leases to total assets | 52.1643% | 4,554 |
| Net loans and leases to deposits | 58.1987% | 4,743 |
| Net loans and leases to core deposits | 58.9945% | 4,868 |
| Total domestic deposits to total assets | 89.6313% | 606 |
| Equity capital to assets | 7.7861% | 5,577 |
| Core capital (leverage) ratio | 7.9317% | 5,534 |
| Tier 1 risk-based capital ratio | 14.5770% | 3,143 |
| Total risk-based capital ratio | 15.8298% | 3,059 |
| Memoranda: | ||
| Average total assets | $370,659,750 | 1,843 |
| Average earning assets | $351,471,500 | 1,809 |
| Average equity | $30,294,750 | 2,356 |
| Average total loans | $208,103,000 | 2,099 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3038% | 5,100 |
| Cost of funding earning assets | 0.1587% | 5,283 |
| Net interest margin | 3.1451% | 4,560 |
| Noninterest income to average assets | 0.7289% | 1,866 |
| Noninterest expense to average assets | 2.5374% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1647% | 1,719 |
| Return on assets (ROA) | 1.1647% | 1,759 |
| Pretax return on assets | 1.1670% | 2,910 |
| Return on Equity (ROE) | 14.0029% | 809 |
| Retained earnings to average equity (ytd only) | 2.1790% | 4,374 |
| Net charge-offs to loans | 0.1115% | 1,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 18.2522% | 1,892 |
| Efficiency ratio | 68.4977% | 2,923 |
| Assets per employee ($millions) | 4.9876% | 2,399 |
| Cash dividends to net income (ytd only)* | 84.4391% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,865 |
| Loan loss allowance to noncurrent loans | 230.2961% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 3,473 |
| Noncurrent loans to loans | 0.6162% | 2,882 |
| Net loans and leases to total assets | 54.1612% | 4,379 |
| Net loans and leases to deposits | 59.7301% | 4,651 |
| Net loans and leases to core deposits | 60.4733% | 4,797 |
| Total domestic deposits to total assets | 90.6766% | 305 |
| Equity capital to assets | 7.9125% | 5,570 |
| Core capital (leverage) ratio | 8.8421% | 4,904 |
| Tier 1 risk-based capital ratio | 14.1372% | 3,351 |
| Total risk-based capital ratio | 15.3899% | 3,264 |
| Memoranda: | ||
| Average total assets | $359,734,000 | 1,886 |
| Average earning assets | $340,337,000 | 1,853 |
| Average equity | $29,922,330 | 2,375 |
| Average total loans | $206,305,000 | 2,116 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 5,024 |
| Cost of funding earning assets | 0.1659% | 5,260 |
| Net interest margin | 3.1868% | 4,382 |
| Noninterest income to average assets | 0.7882% | 1,598 |
| Noninterest expense to average assets | 2.6104% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1800% | 1,558 |
| Return on assets (ROA) | 1.1800% | 1,600 |
| Pretax return on assets | 1.1846% | 2,658 |
| Return on Equity (ROE) | 13.8069% | 842 |
| Retained earnings to average equity (ytd only) | 13.8069% | 310 |
| Net charge-offs to loans | -0.0316% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7844% | 3,080 |
| Assets per employee ($millions) | 4.6562% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5385% | 1,545 |
| Loan loss allowance to noncurrent loans | 396.9887% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 3,646 |
| Noncurrent loans to loans | 0.3875% | 3,720 |
| Net loans and leases to total assets | 57.9856% | 3,978 |
| Net loans and leases to deposits | 64.4650% | 4,285 |
| Net loans and leases to core deposits | 65.3172% | 4,474 |
| Total domestic deposits to total assets | 89.9489% | 686 |
| Equity capital to assets | 8.5431% | 5,207 |
| Core capital (leverage) ratio | 8.9407% | 4,806 |
| Tier 1 risk-based capital ratio | 14.3451% | 3,288 |
| Total risk-based capital ratio | 15.5976% | 3,202 |
| Memoranda: | ||
| Average total assets | $345,085,500 | 1,963 |
| Average earning assets | $325,590,000 | 1,937 |
| Average equity | $29,492,500 | 2,418 |
| Average total loans | $202,589,000 | 2,157 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4642% | 4,863 |
| Cost of funding earning assets | 0.1820% | 5,192 |
| Net interest margin | 3.2822% | 4,199 |
| Noninterest income to average assets | 0.7480% | 1,961 |
| Noninterest expense to average assets | 2.6798% | 3,412 |
| Loan and lease loss provision to assets | -0.2268% | 5,797 |
| Net operating income to assets | 0.9310% | 2,674 |
| Return on assets (ROA) | 0.9313% | 2,782 |
| Pretax return on assets | 1.3760% | 2,027 |
| Return on Equity (ROE) | 10.2343% | 1,868 |
| Retained earnings to average equity (ytd only) | 7.5761% | 1,008 |
| Net charge-offs to loans | -0.0532% | 5,407 |
| Credit loss provision to net charge-offs | 721.1538% | 497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9913% | 2,902 |
| Assets per employee ($millions) | 4.4863% | 3,134 |
| Cash dividends to net income (ytd only)* | 25.9740% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 1,428 |
| Loan loss allowance to noncurrent loans | 327.2349% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5086% | 3,233 |
| Noncurrent loans to loans | 0.4822% | 3,426 |
| Net loans and leases to total assets | 57.5944% | 4,109 |
| Net loans and leases to deposits | 64.2661% | 4,392 |
| Net loans and leases to core deposits | 65.1391% | 4,569 |
| Total domestic deposits to total assets | 89.6186% | 815 |
| Equity capital to assets | 8.5498% | 5,233 |
| Core capital (leverage) ratio | 8.9660% | 4,777 |
| Tier 1 risk-based capital ratio | 14.2564% | 3,311 |
| Total risk-based capital ratio | 15.5093% | 3,236 |
| Memoranda: | ||
| Average total assets | $330,736,800 | 2,000 |
| Average earning assets | $310,433,400 | 1,972 |
| Average equity | $30,094,800 | 2,342 |
| Average total loans | $195,550,200 | 2,150 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4741% | 4,886 |
| Cost of funding earning assets | 0.1842% | 5,230 |
| Net interest margin | 3.2899% | 4,219 |
| Noninterest income to average assets | 0.7642% | 1,917 |
| Noninterest expense to average assets | 2.7053% | 3,333 |
| Loan and lease loss provision to assets | -0.3047% | 5,909 |
| Net operating income to assets | 0.8499% | 3,152 |
| Return on assets (ROA) | 0.8499% | 3,274 |
| Pretax return on assets | 1.4475% | 1,885 |
| Return on Equity (ROE) | 9.1961% | 2,401 |
| Retained earnings to average equity (ytd only) | 5.6795% | 2,370 |
| Net charge-offs to loans | -0.0507% | 5,375 |
| Credit loss provision to net charge-offs | 1,013.5135% | 395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3019% | 2,848 |
| Assets per employee ($millions) | 4.6429% | 2,851 |
| Cash dividends to net income (ytd only)* | 38.2410% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 1,553 |
| Loan loss allowance to noncurrent loans | 386.1386% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 3,564 |
| Noncurrent loans to loans | 0.4075% | 3,816 |
| Net loans and leases to total assets | 57.5786% | 4,132 |
| Net loans and leases to deposits | 64.4016% | 4,457 |
| Net loans and leases to core deposits | 65.5705% | 4,638 |
| Total domestic deposits to total assets | 89.4056% | 722 |
| Equity capital to assets | 9.2537% | 4,916 |
| Core capital (leverage) ratio | 9.3588% | 4,381 |
| Tier 1 risk-based capital ratio | 14.4584% | 3,304 |
| Total risk-based capital ratio | 15.7109% | 3,236 |
| Memoranda: | ||
| Average total assets | $328,182,250 | 2,021 |
| Average earning assets | $307,640,750 | 1,996 |
| Average equity | $30,330,750 | 2,346 |
| Average total loans | $194,558,000 | 2,166 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,914 |
| Cost of funding earning assets | 0.1858% | 5,273 |
| Net interest margin | 3.2988% | 4,237 |
| Noninterest income to average assets | 0.7905% | 1,754 |
| Noninterest expense to average assets | 2.7418% | 3,231 |
| Loan and lease loss provision to assets | -0.4621% | 6,013 |
| Net operating income to assets | 0.6895% | 3,849 |
| Return on assets (ROA) | 0.6895% | 4,000 |
| Pretax return on assets | 1.5958% | 1,383 |
| Return on Equity (ROE) | 7.4634% | 3,285 |
| Retained earnings to average equity (ytd only) | 2.1276% | 4,508 |
| Net charge-offs to loans | -0.0838% | 5,559 |
| Credit loss provision to net charge-offs | 925.9259% | 398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7472% | 2,868 |
| Assets per employee ($millions) | 4.3635% | 3,278 |
| Cash dividends to net income (ytd only)* | 71.4924% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 1,573 |
| Loan loss allowance to noncurrent loans | 238.0807% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 3,110 |
| Noncurrent loans to loans | 0.6653% | 3,076 |
| Net loans and leases to total assets | 58.5707% | 4,062 |
| Net loans and leases to deposits | 65.6464% | 4,376 |
| Net loans and leases to core deposits | 67.2339% | 4,530 |
| Total domestic deposits to total assets | 89.2215% | 800 |
| Equity capital to assets | 9.1556% | 5,107 |
| Core capital (leverage) ratio | 9.0466% | 4,772 |
| Tier 1 risk-based capital ratio | 14.2191% | 3,486 |
| Total risk-based capital ratio | 15.4720% | 3,405 |
| Memoranda: | ||
| Average total assets | $324,598,670 | 2,048 |
| Average earning assets | $303,562,670 | 2,033 |
| Average equity | $29,986,330 | 2,369 |
| Average total loans | $193,319,670 | 2,182 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4699% | 4,958 |
| Cost of funding earning assets | 0.1871% | 5,307 |
| Net interest margin | 3.2828% | 4,293 |
| Noninterest income to average assets | 0.7188% | 1,944 |
| Noninterest expense to average assets | 3.6738% | 929 |
| Loan and lease loss provision to assets | -0.9343% | 6,105 |
| Net operating income to assets | 1.0390% | 2,123 |
| Return on assets (ROA) | 0.1046% | 5,720 |
| Pretax return on assets | 0.1046% | 5,732 |
| Return on Equity (ROE) | 1.1276% | 5,673 |
| Retained earnings to average equity (ytd only) | 1.1276% | 4,789 |
| Net charge-offs to loans | -0.0836% | 5,566 |
| Credit loss provision to net charge-offs | 1,875.0000% | 222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2305% | 363 |
| Assets per employee ($millions) | 4.2177% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 1,583 |
| Loan loss allowance to noncurrent loans | 269.9038% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 3,044 |
| Noncurrent loans to loans | 0.5956% | 3,401 |
| Net loans and leases to total assets | 58.9063% | 3,934 |
| Net loans and leases to deposits | 65.9487% | 4,265 |
| Net loans and leases to core deposits | 67.3324% | 4,449 |
| Total domestic deposits to total assets | 89.3214% | 933 |
| Equity capital to assets | 9.3633% | 4,820 |
| Core capital (leverage) ratio | 9.2529% | 4,548 |
| Tier 1 risk-based capital ratio | 14.6612% | 3,303 |
| Total risk-based capital ratio | 15.9145% | 3,247 |
| Memoranda: | ||
| Average total assets | $321,086,500 | 2,077 |
| Average earning assets | $299,256,000 | 2,065 |
| Average equity | $29,798,500 | 2,380 |
| Average total loans | $191,299,500 | 2,195 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4676% | 5,008 |
| Cost of funding earning assets | 0.2130% | 5,165 |
| Net interest margin | 3.2546% | 4,454 |
| Noninterest income to average assets | 0.7669% | 1,910 |
| Noninterest expense to average assets | 2.7946% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6398% | 4,088 |
| Return on assets (ROA) | 0.6425% | 4,161 |
| Pretax return on assets | 1.0177% | 3,391 |
| Return on Equity (ROE) | 6.9152% | 3,551 |
| Retained earnings to average equity (ytd only) | 4.1684% | 3,025 |
| Net charge-offs to loans | 0.0222% | 3,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 75.6429% | 730 |
| Efficiency ratio | 73.3853% | 2,673 |
| Assets per employee ($millions) | 4.2319% | 3,519 |
| Cash dividends to net income (ytd only)* | 39.7219% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9901% | 822 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 2,226 |
| Noncurrent loans to loans | 1.1941% | 1,978 |
| Net loans and leases to total assets | 58.1099% | 4,072 |
| Net loans and leases to deposits | 65.1215% | 4,388 |
| Net loans and leases to core deposits | 66.7000% | 4,530 |
| Total domestic deposits to total assets | 89.2331% | 1,008 |
| Equity capital to assets | 9.1980% | 4,916 |
| Core capital (leverage) ratio | 9.3126% | 4,453 |
| Tier 1 risk-based capital ratio | 14.6891% | 3,333 |
| Total risk-based capital ratio | 15.9470% | 3,260 |
| Memoranda: | ||
| Average total assets | $313,461,000 | 2,073 |
| Average earning assets | $292,911,200 | 2,059 |
| Average equity | $29,124,200 | 2,384 |
| Average total loans | $188,778,800 | 2,164 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4479% | 5,102 |
| Cost of funding earning assets | 0.2190% | 5,197 |
| Net interest margin | 3.2289% | 4,582 |
| Noninterest income to average assets | 0.7741% | 1,907 |
| Noninterest expense to average assets | 2.8163% | 3,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6159% | 4,304 |
| Return on assets (ROA) | 0.6195% | 4,395 |
| Pretax return on assets | 0.9800% | 3,691 |
| Return on Equity (ROE) | 6.6505% | 3,807 |
| Retained earnings to average equity (ytd only) | 2.9737% | 4,334 |
| Net charge-offs to loans | -0.1820% | 5,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2941% | 2,508 |
| Assets per employee ($millions) | 4.4213% | 3,141 |
| Cash dividends to net income (ytd only)* | 55.2867% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1699% | 698 |
| Loan loss allowance to noncurrent loans | 174.4672% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 2,316 |
| Noncurrent loans to loans | 1.2437% | 2,054 |
| Net loans and leases to total assets | 57.9686% | 4,146 |
| Net loans and leases to deposits | 64.8783% | 4,479 |
| Net loans and leases to core deposits | 65.9679% | 4,691 |
| Total domestic deposits to total assets | 89.3498% | 838 |
| Equity capital to assets | 9.1973% | 5,116 |
| Core capital (leverage) ratio | 9.0945% | 4,891 |
| Tier 1 risk-based capital ratio | 14.5214% | 3,559 |
| Total risk-based capital ratio | 15.7813% | 3,468 |
| Memoranda: | ||
| Average total assets | $311,420,000 | 2,097 |
| Average earning assets | $290,951,000 | 2,085 |
| Average equity | $29,009,500 | 2,404 |
| Average total loans | $188,300,750 | 2,187 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4626% | 5,077 |
| Cost of funding earning assets | 0.2259% | 5,184 |
| Net interest margin | 3.2367% | 4,541 |
| Noninterest income to average assets | 0.7868% | 1,837 |
| Noninterest expense to average assets | 2.8695% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5959% | 4,366 |
| Return on assets (ROA) | 0.5959% | 4,457 |
| Pretax return on assets | 0.9401% | 3,809 |
| Return on Equity (ROE) | 6.3693% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.3693% | 2,023 |
| Net charge-offs to loans | -0.2880% | 6,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3227% | 2,489 |
| Assets per employee ($millions) | 4.2285% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1872% | 744 |
| Loan loss allowance to noncurrent loans | 368.4305% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 3,444 |
| Noncurrent loans to loans | 0.5936% | 3,682 |
| Net loans and leases to total assets | 59.5154% | 3,902 |
| Net loans and leases to deposits | 66.9634% | 4,228 |
| Net loans and leases to core deposits | 68.1364% | 4,482 |
| Total domestic deposits to total assets | 88.8776% | 1,201 |
| Equity capital to assets | 9.5292% | 4,615 |
| Core capital (leverage) ratio | 9.3886% | 4,438 |
| Tier 1 risk-based capital ratio | 14.7430% | 3,508 |
| Total risk-based capital ratio | 17.2640% | 2,811 |
| Memoranda: | ||
| Average total assets | $309,116,330 | 2,130 |
| Average earning assets | $288,687,000 | 2,111 |
| Average equity | $28,920,000 | 2,425 |
| Average total loans | $188,192,670 | 2,201 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4231% | 5,156 |
| Cost of funding earning assets | 0.2325% | 5,190 |
| Net interest margin | 3.1905% | 4,646 |
| Noninterest income to average assets | 0.7629% | 1,853 |
| Noninterest expense to average assets | 2.9431% | 2,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5121% | 4,618 |
| Return on assets (ROA) | 0.5121% | 4,741 |
| Pretax return on assets | 0.8004% | 4,238 |
| Return on Equity (ROE) | 5.5245% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.5245% | 2,762 |
| Net charge-offs to loans | -0.3291% | 6,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6183% | 2,099 |
| Assets per employee ($millions) | 4.1003% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1329% | 876 |
| Loan loss allowance to noncurrent loans | 521.8301% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 3,859 |
| Noncurrent loans to loans | 0.4087% | 4,363 |
| Net loans and leases to total assets | 58.7796% | 3,834 |
| Net loans and leases to deposits | 66.0197% | 4,151 |
| Net loans and leases to core deposits | 67.0936% | 4,417 |
| Total domestic deposits to total assets | 89.0334% | 1,245 |
| Equity capital to assets | 9.3235% | 4,930 |
| Core capital (leverage) ratio | 9.2828% | 4,605 |
| Tier 1 risk-based capital ratio | 14.4474% | 3,748 |
| Total risk-based capital ratio | 16.9516% | 2,999 |
| Memoranda: | ||
| Average total assets | $309,333,000 | 2,138 |
| Average earning assets | $288,981,500 | 2,120 |
| Average equity | $28,672,500 | 2,451 |
| Average total loans | $188,378,000 | 2,194 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 5,313 |
| Cost of funding earning assets | 0.2824% | 4,982 |
| Net interest margin | 3.2187% | 4,858 |
| Noninterest income to average assets | 0.7704% | 1,990 |
| Noninterest expense to average assets | 2.7699% | 3,593 |
| Loan and lease loss provision to assets | -0.0653% | 6,078 |
| Net operating income to assets | 0.6714% | 4,028 |
| Return on assets (ROA) | 0.6770% | 4,119 |
| Pretax return on assets | 1.0680% | 3,213 |
| Return on Equity (ROE) | 7.5318% | 3,358 |
| Retained earnings to average equity (ytd only) | 4.6252% | 2,884 |
| Net charge-offs to loans | 0.0504% | 3,822 |
| Credit loss provision to net charge-offs | -219.7802% | 5,652 |
| Earnings coverage of net charge-offs (x) | 33.4396% | 1,239 |
| Efficiency ratio | 73.5942% | 2,907 |
| Assets per employee ($millions) | 4.0401% | 3,856 |
| Cash dividends to net income (ytd only)* | 38.5914% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 1,063 |
| Loan loss allowance to noncurrent loans | 473.7037% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 3,851 |
| Noncurrent loans to loans | 0.4272% | 4,361 |
| Net loans and leases to total assets | 60.4984% | 3,717 |
| Net loans and leases to deposits | 68.5100% | 4,078 |
| Net loans and leases to core deposits | 69.6362% | 4,355 |
| Total domestic deposits to total assets | 88.3060% | 1,616 |
| Equity capital to assets | 9.2139% | 5,052 |
| Core capital (leverage) ratio | 9.1029% | 4,823 |
| Tier 1 risk-based capital ratio | 14.3543% | 3,861 |
| Total risk-based capital ratio | 15.6125% | 3,793 |
| Memoranda: | ||
| Average total assets | $306,184,800 | 2,122 |
| Average earning assets | $284,746,600 | 2,093 |
| Average equity | $27,523,200 | 2,445 |
| Average total loans | $180,568,400 | 2,218 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4624% | 5,465 |
| Cost of funding earning assets | 0.2922% | 4,962 |
| Net interest margin | 3.1701% | 5,057 |
| Noninterest income to average assets | 0.7831% | 1,955 |
| Noninterest expense to average assets | 2.7588% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6195% | 4,355 |
| Return on assets (ROA) | 0.6271% | 4,421 |
| Pretax return on assets | 0.9809% | 3,670 |
| Return on Equity (ROE) | 7.0199% | 3,704 |
| Retained earnings to average equity (ytd only) | 3.1172% | 4,402 |
| Net charge-offs to loans | -0.0284% | 5,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0035% | 2,821 |
| Assets per employee ($millions) | 4.0719% | 3,729 |
| Cash dividends to net income (ytd only)* | 55.5941% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2325% | 900 |
| Loan loss allowance to noncurrent loans | 453.3188% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 3,983 |
| Noncurrent loans to loans | 0.4925% | 4,439 |
| Net loans and leases to total assets | 58.9542% | 3,941 |
| Net loans and leases to deposits | 66.0439% | 4,326 |
| Net loans and leases to core deposits | 67.0988% | 4,596 |
| Total domestic deposits to total assets | 89.2652% | 1,094 |
| Equity capital to assets | 8.9284% | 5,433 |
| Core capital (leverage) ratio | 8.8821% | 5,217 |
| Tier 1 risk-based capital ratio | 14.1294% | 4,122 |
| Total risk-based capital ratio | 15.3903% | 4,048 |
| Memoranda: | ||
| Average total assets | $305,969,500 | 2,136 |
| Average earning assets | $284,229,250 | 2,112 |
| Average equity | $27,331,250 | 2,464 |
| Average total loans | $178,311,750 | 2,255 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4305% | 5,557 |
| Cost of funding earning assets | 0.3035% | 4,939 |
| Net interest margin | 3.1270% | 5,169 |
| Noninterest income to average assets | 0.7861% | 1,895 |
| Noninterest expense to average assets | 2.8202% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5613% | 4,540 |
| Return on assets (ROA) | 0.5728% | 4,599 |
| Pretax return on assets | 0.8838% | 3,950 |
| Return on Equity (ROE) | 6.4117% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.4117% | 2,084 |
| Net charge-offs to loans | -0.0422% | 5,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5041% | 2,537 |
| Assets per employee ($millions) | 3.8699% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3104% | 887 |
| Loan loss allowance to noncurrent loans | 352.6672% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.7586% | 3,695 |
| Noncurrent loans to loans | 0.6551% | 4,067 |
| Net loans and leases to total assets | 58.3428% | 3,944 |
| Net loans and leases to deposits | 65.6994% | 4,297 |
| Net loans and leases to core deposits | 66.7906% | 4,571 |
| Total domestic deposits to total assets | 88.8025% | 1,469 |
| Equity capital to assets | 9.2180% | 5,085 |
| Core capital (leverage) ratio | 9.1331% | 4,837 |
| Tier 1 risk-based capital ratio | 14.7704% | 3,771 |
| Total risk-based capital ratio | 16.0321% | 3,710 |
| Memoranda: | ||
| Average total assets | $304,805,330 | 2,142 |
| Average earning assets | $282,702,330 | 2,117 |
| Average equity | $27,231,670 | 2,460 |
| Average total loans | $175,546,670 | 2,285 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3664% | 5,716 |
| Cost of funding earning assets | 0.3062% | 5,003 |
| Net interest margin | 3.0602% | 5,359 |
| Noninterest income to average assets | 0.7575% | 1,923 |
| Noninterest expense to average assets | 2.9228% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4545% | 4,915 |
| Return on assets (ROA) | 0.4545% | 4,987 |
| Pretax return on assets | 0.6674% | 4,607 |
| Return on Equity (ROE) | 5.1680% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.1680% | 3,012 |
| Net charge-offs to loans | -0.0624% | 5,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4114% | 2,000 |
| Assets per employee ($millions) | 3.9448% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3936% | 920 |
| Loan loss allowance to noncurrent loans | 683.2237% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 4,479 |
| Noncurrent loans to loans | 0.3503% | 5,065 |
| Net loans and leases to total assets | 55.0516% | 4,276 |
| Net loans and leases to deposits | 61.3873% | 4,615 |
| Net loans and leases to core deposits | 62.5024% | 4,827 |
| Total domestic deposits to total assets | 89.6791% | 1,255 |
| Equity capital to assets | 8.8318% | 5,294 |
| Core capital (leverage) ratio | 9.0378% | 4,956 |
| Tier 1 risk-based capital ratio | 15.0197% | 3,703 |
| Total risk-based capital ratio | 16.2828% | 3,642 |
| Memoranda: | ||
| Average total assets | $306,281,000 | 2,138 |
| Average earning assets | $283,511,500 | 2,120 |
| Average equity | $26,935,000 | 2,474 |
| Average total loans | $173,182,500 | 2,308 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5985% | 5,408 |
| Cost of funding earning assets | 0.3707% | 4,947 |
| Net interest margin | 3.2277% | 4,903 |
| Noninterest income to average assets | 0.6719% | 2,694 |
| Noninterest expense to average assets | 2.8010% | 3,719 |
| Loan and lease loss provision to assets | -0.1327% | 6,523 |
| Net operating income to assets | 0.6092% | 4,224 |
| Return on assets (ROA) | 0.6092% | 4,338 |
| Pretax return on assets | 0.9545% | 3,540 |
| Return on Equity (ROE) | 6.9061% | 3,613 |
| Retained earnings to average equity (ytd only) | 4.6504% | 2,855 |
| Net charge-offs to loans | 0.2460% | 2,502 |
| Credit loss provision to net charge-offs | -95.6938% | 5,868 |
| Earnings coverage of net charge-offs (x) | 5.9282% | 3,170 |
| Efficiency ratio | 77.3160% | 2,570 |
| Assets per employee ($millions) | 3.8591% | 4,143 |
| Cash dividends to net income (ytd only)* | 32.6619% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3886% | 944 |
| Loan loss allowance to noncurrent loans | 345.4393% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 3,911 |
| Noncurrent loans to loans | 0.6915% | 4,245 |
| Net loans and leases to total assets | 55.3330% | 4,414 |
| Net loans and leases to deposits | 61.9583% | 4,729 |
| Net loans and leases to core deposits | 62.9619% | 4,972 |
| Total domestic deposits to total assets | 89.3068% | 1,426 |
| Equity capital to assets | 8.7563% | 5,303 |
| Core capital (leverage) ratio | 8.8090% | 5,264 |
| Tier 1 risk-based capital ratio | 14.7373% | 3,818 |
| Total risk-based capital ratio | 15.9998% | 3,754 |
| Memoranda: | ||
| Average total assets | $301,534,600 | 2,137 |
| Average earning assets | $275,673,600 | 2,142 |
| Average equity | $26,599,600 | 2,496 |
| Average total loans | $169,945,600 | 2,305 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 5,435 |
| Cost of funding earning assets | 0.3847% | 4,954 |
| Net interest margin | 3.2176% | 4,937 |
| Noninterest income to average assets | 0.6558% | 2,852 |
| Noninterest expense to average assets | 2.7801% | 3,727 |
| Loan and lease loss provision to assets | -0.1774% | 6,705 |
| Net operating income to assets | 0.6301% | 4,219 |
| Return on assets (ROA) | 0.6301% | 4,346 |
| Pretax return on assets | 0.9905% | 3,538 |
| Return on Equity (ROE) | 7.1291% | 3,574 |
| Retained earnings to average equity (ytd only) | 7.1291% | 1,816 |
| Net charge-offs to loans | 0.0087% | 4,983 |
| Credit loss provision to net charge-offs | -3,636.3636% | 6,331 |
| Earnings coverage of net charge-offs (x) | 166.6851% | 333 |
| Efficiency ratio | 77.3692% | 2,503 |
| Assets per employee ($millions) | 3.8754% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6749% | 770 |
| Loan loss allowance to noncurrent loans | 225.0620% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0828% | 3,492 |
| Noncurrent loans to loans | 1.1885% | 3,441 |
| Net loans and leases to total assets | 54.5866% | 4,519 |
| Net loans and leases to deposits | 61.2635% | 4,839 |
| Net loans and leases to core deposits | 62.5166% | 5,061 |
| Total domestic deposits to total assets | 89.1013% | 1,507 |
| Equity capital to assets | 8.8536% | 5,355 |
| Core capital (leverage) ratio | 8.7020% | 5,535 |
| Tier 1 risk-based capital ratio | 14.5073% | 4,068 |
| Total risk-based capital ratio | 15.7726% | 4,016 |
| Memoranda: | ||
| Average total assets | $300,701,500 | 2,156 |
| Average earning assets | $274,527,000 | 2,156 |
| Average equity | $26,575,750 | 2,519 |
| Average total loans | $169,227,000 | 2,321 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6016% | 5,424 |
| Cost of funding earning assets | 0.3998% | 4,951 |
| Net interest margin | 3.2018% | 4,941 |
| Noninterest income to average assets | 0.6096% | 3,136 |
| Noninterest expense to average assets | 2.7884% | 3,711 |
| Loan and lease loss provision to assets | -0.1333% | 6,737 |
| Net operating income to assets | 0.5650% | 4,479 |
| Return on assets (ROA) | 0.5650% | 4,648 |
| Pretax return on assets | 0.8788% | 3,989 |
| Return on Equity (ROE) | 6.3968% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.3968% | 2,205 |
| Net charge-offs to loans | -0.1052% | 6,512 |
| Credit loss provision to net charge-offs | 224.7191% | 1,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9027% | 2,318 |
| Assets per employee ($millions) | 3.8134% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8097% | 701 |
| Loan loss allowance to noncurrent loans | 252.4804% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 1.0689% | 3,604 |
| Noncurrent loans to loans | 1.1128% | 3,703 |
| Net loans and leases to total assets | 55.5169% | 4,371 |
| Net loans and leases to deposits | 62.0199% | 4,740 |
| Net loans and leases to core deposits | 63.3718% | 4,964 |
| Total domestic deposits to total assets | 89.5146% | 1,314 |
| Equity capital to assets | 8.7457% | 5,493 |
| Core capital (leverage) ratio | 8.6564% | 5,475 |
| Tier 1 risk-based capital ratio | 14.1567% | 4,320 |
| Total risk-based capital ratio | 15.4243% | 4,267 |
| Memoranda: | ||
| Average total assets | $300,173,670 | 2,162 |
| Average earning assets | $274,156,000 | 2,161 |
| Average equity | $26,513,330 | 2,536 |
| Average total loans | $169,122,000 | 2,316 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6128% | 5,418 |
| Cost of funding earning assets | 0.4144% | 4,970 |
| Net interest margin | 3.1984% | 4,940 |
| Noninterest income to average assets | 0.8797% | 1,830 |
| Noninterest expense to average assets | 2.7274% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6782% | 3,791 |
| Return on assets (ROA) | 0.6782% | 3,947 |
| Pretax return on assets | 1.0680% | 3,084 |
| Return on Equity (ROE) | 7.6401% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.6401% | 1,879 |
| Net charge-offs to loans | -0.0859% | 6,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8607% | 3,640 |
| Assets per employee ($millions) | 3.8744% | 4,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9507% | 693 |
| Loan loss allowance to noncurrent loans | 446.4158% | 942 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 3,416 |
| Noncurrent loans to loans | 0.6610% | 4,801 |
| Net loans and leases to total assets | 54.9265% | 4,258 |
| Net loans and leases to deposits | 61.9273% | 4,563 |
| Net loans and leases to core deposits | 63.2988% | 4,815 |
| Total domestic deposits to total assets | 88.6950% | 1,873 |
| Equity capital to assets | 9.0005% | 5,482 |
| Core capital (leverage) ratio | 8.7770% | 5,225 |
| Tier 1 risk-based capital ratio | 14.3999% | 4,242 |
| Total risk-based capital ratio | 15.6686% | 4,200 |
| Memoranda: | ||
| Average total assets | $299,631,500 | 2,192 |
| Average earning assets | $273,138,000 | 2,194 |
| Average equity | $26,596,500 | 2,558 |
| Average total loans | $167,641,000 | 2,344 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 5,544 |
| Cost of funding earning assets | 0.5394% | 4,910 |
| Net interest margin | 3.3707% | 4,994 |
| Noninterest income to average assets | 0.7603% | 2,447 |
| Noninterest expense to average assets | 2.9370% | 3,512 |
| Loan and lease loss provision to assets | 0.1814% | 3,362 |
| Net operating income to assets | 0.4861% | 4,742 |
| Return on assets (ROA) | 0.4861% | 4,993 |
| Pretax return on assets | 0.7137% | 4,625 |
| Return on Equity (ROE) | 5.5345% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.5345% | 2,358 |
| Net charge-offs to loans | 0.3854% | 2,711 |
| Credit loss provision to net charge-offs | 83.5987% | 3,710 |
| Earnings coverage of net charge-offs (x) | 4.1258% | 3,474 |
| Efficiency ratio | 76.6429% | 2,645 |
| Assets per employee ($millions) | 3.9082% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9717% | 683 |
| Loan loss allowance to noncurrent loans | 402.4410% | 992 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 3,607 |
| Noncurrent loans to loans | 0.7384% | 4,704 |
| Net loans and leases to total assets | 53.6637% | 4,663 |
| Net loans and leases to deposits | 60.4338% | 4,979 |
| Net loans and leases to core deposits | 61.8790% | 5,167 |
| Total domestic deposits to total assets | 88.7976% | 1,702 |
| Equity capital to assets | 8.7534% | 5,792 |
| Core capital (leverage) ratio | 8.5562% | 5,528 |
| Tier 1 risk-based capital ratio | 14.2712% | 4,185 |
| Total risk-based capital ratio | 15.5400% | 4,129 |
| Memoranda: | ||
| Average total assets | $289,475,600 | 2,206 |
| Average earning assets | $263,803,200 | 2,203 |
| Average equity | $25,422,400 | 2,614 |
| Average total loans | $162,948,600 | 2,386 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 5,605 |
| Cost of funding earning assets | 0.5703% | 4,908 |
| Net interest margin | 3.3985% | 5,040 |
| Noninterest income to average assets | 0.6848% | 2,786 |
| Noninterest expense to average assets | 2.9521% | 3,398 |
| Loan and lease loss provision to assets | 0.2093% | 2,976 |
| Net operating income to assets | 0.4187% | 5,169 |
| Return on assets (ROA) | 0.4187% | 5,402 |
| Pretax return on assets | 0.6196% | 5,107 |
| Return on Equity (ROE) | 4.7632% | 4,941 |
| Retained earnings to average equity (ytd only) | 4.7632% | 3,551 |
| Net charge-offs to loans | 0.2863% | 3,010 |
| Credit loss provision to net charge-offs | 129.3103% | 2,226 |
| Earnings coverage of net charge-offs (x) | 5.1207% | 3,107 |
| Efficiency ratio | 78.0758% | 2,391 |
| Assets per employee ($millions) | 3.8100% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1321% | 638 |
| Loan loss allowance to noncurrent loans | 208.4581% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 1.4766% | 3,387 |
| Noncurrent loans to loans | 1.5025% | 3,534 |
| Net loans and leases to total assets | 54.3025% | 4,710 |
| Net loans and leases to deposits | 61.0939% | 5,072 |
| Net loans and leases to core deposits | 62.5654% | 5,303 |
| Total domestic deposits to total assets | 88.8838% | 1,492 |
| Equity capital to assets | 8.8215% | 6,001 |
| Core capital (leverage) ratio | 8.3749% | 5,920 |
| Tier 1 risk-based capital ratio | 13.9547% | 4,564 |
| Total risk-based capital ratio | 15.2254% | 4,494 |
| Memoranda: | ||
| Average total assets | $286,610,750 | 2,255 |
| Average earning assets | $261,129,750 | 2,245 |
| Average equity | $25,192,500 | 2,661 |
| Average total loans | $162,076,000 | 2,426 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0359% | 5,528 |
| Cost of funding earning assets | 0.6007% | 4,897 |
| Net interest margin | 3.4352% | 4,946 |
| Noninterest income to average assets | 0.7125% | 2,596 |
| Noninterest expense to average assets | 2.9976% | 3,263 |
| Loan and lease loss provision to assets | 0.2110% | 2,966 |
| Net operating income to assets | 0.4227% | 5,134 |
| Return on assets (ROA) | 0.4227% | 5,369 |
| Pretax return on assets | 0.6253% | 5,052 |
| Return on Equity (ROE) | 4.8151% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.8151% | 3,399 |
| Net charge-offs to loans | 0.5010% | 2,082 |
| Credit loss provision to net charge-offs | 74.2574% | 3,471 |
| Earnings coverage of net charge-offs (x) | 2.9431% | 3,568 |
| Efficiency ratio | 78.1875% | 2,436 |
| Assets per employee ($millions) | 3.7439% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0925% | 720 |
| Loan loss allowance to noncurrent loans | 154.4347% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.9696% | 2,818 |
| Noncurrent loans to loans | 2.0025% | 2,946 |
| Net loans and leases to total assets | 53.7519% | 4,847 |
| Net loans and leases to deposits | 60.4600% | 5,203 |
| Net loans and leases to core deposits | 61.7008% | 5,416 |
| Total domestic deposits to total assets | 88.9049% | 1,572 |
| Equity capital to assets | 8.8064% | 5,905 |
| Core capital (leverage) ratio | 8.3469% | 5,854 |
| Tier 1 risk-based capital ratio | 13.8432% | 4,562 |
| Total risk-based capital ratio | 15.1131% | 4,524 |
| Memoranda: | ||
| Average total assets | $284,356,670 | 2,273 |
| Average earning assets | $258,382,000 | 2,275 |
| Average equity | $24,963,330 | 2,674 |
| Average total loans | $161,281,330 | 2,448 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 5,425 |
| Cost of funding earning assets | 0.6271% | 4,922 |
| Net interest margin | 3.4801% | 4,792 |
| Noninterest income to average assets | 0.7621% | 2,337 |
| Noninterest expense to average assets | 2.9717% | 3,375 |
| Loan and lease loss provision to assets | 0.2125% | 2,830 |
| Net operating income to assets | 0.4915% | 4,866 |
| Return on assets (ROA) | 0.4915% | 5,068 |
| Pretax return on assets | 0.7380% | 4,660 |
| Return on Equity (ROE) | 5.6077% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.6077% | 3,195 |
| Net charge-offs to loans | 0.4099% | 2,076 |
| Credit loss provision to net charge-offs | 90.3614% | 2,537 |
| Earnings coverage of net charge-offs (x) | 4.0422% | 2,683 |
| Efficiency ratio | 75.7674% | 2,818 |
| Assets per employee ($millions) | 3.7909% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1343% | 729 |
| Loan loss allowance to noncurrent loans | 119.4636% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 2.7254% | 2,166 |
| Noncurrent loans to loans | 2.6237% | 2,481 |
| Net loans and leases to total assets | 53.9876% | 4,724 |
| Net loans and leases to deposits | 60.9270% | 5,053 |
| Net loans and leases to core deposits | 62.0116% | 5,325 |
| Total domestic deposits to total assets | 88.6102% | 1,950 |
| Equity capital to assets | 8.6443% | 5,938 |
| Core capital (leverage) ratio | 8.3624% | 5,792 |
| Tier 1 risk-based capital ratio | 13.5624% | 4,783 |
| Total risk-based capital ratio | 14.8327% | 4,752 |
| Memoranda: | ||
| Average total assets | $282,395,000 | 2,300 |
| Average earning assets | $256,426,000 | 2,312 |
| Average equity | $24,751,500 | 2,688 |
| Average total loans | $161,971,500 | 2,454 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 4,975 |
| Cost of funding earning assets | 0.7460% | 5,239 |
| Net interest margin | 3.7789% | 3,930 |
| Noninterest income to average assets | 0.4261% | 4,394 |
| Noninterest expense to average assets | 3.1031% | 3,182 |
| Loan and lease loss provision to assets | 0.8139% | 1,198 |
| Net operating income to assets | 0.6098% | 3,951 |
| Return on assets (ROA) | 0.6098% | 4,133 |
| Pretax return on assets | -0.0876% | 6,207 |
| Return on Equity (ROE) | 6.9058% | 3,438 |
| Retained earnings to average equity (ytd only) | 6.9058% | 1,547 |
| Net charge-offs to loans | 1.2454% | 1,338 |
| Credit loss provision to net charge-offs | 106.0923% | 3,211 |
| Earnings coverage of net charge-offs (x) | 0.9467% | 5,093 |
| Efficiency ratio | 81.0337% | 2,157 |
| Assets per employee ($millions) | 3.6405% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0906% | 749 |
| Loan loss allowance to noncurrent loans | 115.1688% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 2.9326% | 2,054 |
| Noncurrent loans to loans | 2.6835% | 2,423 |
| Net loans and leases to total assets | 57.2204% | 4,511 |
| Net loans and leases to deposits | 64.8741% | 4,894 |
| Net loans and leases to core deposits | 66.0211% | 5,249 |
| Total domestic deposits to total assets | 88.2023% | 2,026 |
| Equity capital to assets | 8.8904% | 5,684 |
| Core capital (leverage) ratio | 8.2837% | 5,873 |
| Tier 1 risk-based capital ratio | 13.0510% | 5,024 |
| Total risk-based capital ratio | 14.3208% | 4,983 |
| Memoranda: | ||
| Average total assets | $273,854,600 | 2,310 |
| Average earning assets | $246,632,400 | 2,338 |
| Average equity | $24,182,600 | 2,648 |
| Average total loans | $168,698,200 | 2,385 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5588% | 5,044 |
| Cost of funding earning assets | 0.7687% | 5,339 |
| Net interest margin | 3.7901% | 3,923 |
| Noninterest income to average assets | 0.4998% | 3,872 |
| Noninterest expense to average assets | 3.1630% | 2,950 |
| Loan and lease loss provision to assets | 0.9797% | 888 |
| Net operating income to assets | 0.7249% | 3,481 |
| Return on assets (ROA) | 0.7249% | 3,663 |
| Pretax return on assets | -0.2348% | 6,444 |
| Return on Equity (ROE) | 8.2228% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.2228% | 1,417 |
| Net charge-offs to loans | 1.2256% | 1,273 |
| Credit loss provision to net charge-offs | 128.4069% | 2,485 |
| Earnings coverage of net charge-offs (x) | 0.9763% | 4,899 |
| Efficiency ratio | 80.9393% | 2,114 |
| Assets per employee ($millions) | 3.5579% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2706% | 678 |
| Loan loss allowance to noncurrent loans | 86.9530% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 3.9364% | 1,562 |
| Noncurrent loans to loans | 3.7614% | 1,805 |
| Net loans and leases to total assets | 57.1753% | 4,650 |
| Net loans and leases to deposits | 64.6248% | 5,095 |
| Net loans and leases to core deposits | 65.6858% | 5,445 |
| Total domestic deposits to total assets | 88.4727% | 1,773 |
| Equity capital to assets | 8.8107% | 5,969 |
| Core capital (leverage) ratio | 8.2731% | 6,017 |
| Tier 1 risk-based capital ratio | 12.8461% | 5,208 |
| Total risk-based capital ratio | 14.1179% | 5,168 |
| Memoranda: | ||
| Average total assets | $273,148,000 | 2,331 |
| Average earning assets | $245,614,500 | 2,349 |
| Average equity | $24,078,750 | 2,661 |
| Average total loans | $170,031,000 | 2,392 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 4,735 |
| Cost of funding earning assets | 0.7836% | 5,486 |
| Net interest margin | 3.8712% | 3,433 |
| Noninterest income to average assets | 0.7884% | 2,078 |
| Noninterest expense to average assets | 3.4995% | 1,978 |
| Loan and lease loss provision to assets | 0.7236% | 1,293 |
| Net operating income to assets | 1.3000% | 1,318 |
| Return on assets (ROA) | 1.3000% | 1,393 |
| Pretax return on assets | 0.0456% | 6,196 |
| Return on Equity (ROE) | 14.7445% | 845 |
| Retained earnings to average equity (ytd only) | 14.7445% | 263 |
| Net charge-offs to loans | 0.8475% | 1,808 |
| Credit loss provision to net charge-offs | 134.8422% | 2,265 |
| Earnings coverage of net charge-offs (x) | 1.4335% | 4,212 |
| Efficiency ratio | 81.9797% | 2,104 |
| Assets per employee ($millions) | 3.5401% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0539% | 850 |
| Loan loss allowance to noncurrent loans | 86.1065% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 3.8736% | 1,672 |
| Noncurrent loans to loans | 3.5467% | 1,995 |
| Net loans and leases to total assets | 60.2660% | 4,224 |
| Net loans and leases to deposits | 68.5692% | 4,622 |
| Net loans and leases to core deposits | 69.8066% | 5,095 |
| Total domestic deposits to total assets | 87.8909% | 2,218 |
| Equity capital to assets | 9.1402% | 5,374 |
| Core capital (leverage) ratio | 8.5088% | 5,543 |
| Tier 1 risk-based capital ratio | 12.5637% | 5,276 |
| Total risk-based capital ratio | 13.8331% | 5,237 |
| Memoranda: | ||
| Average total assets | $271,692,330 | 2,354 |
| Average earning assets | $244,264,330 | 2,376 |
| Average equity | $23,954,670 | 2,666 |
| Average total loans | $172,029,670 | 2,384 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6519% | 4,739 |
| Cost of funding earning assets | 0.7958% | 5,595 |
| Net interest margin | 3.8561% | 3,354 |
| Noninterest income to average assets | 0.7447% | 2,284 |
| Noninterest expense to average assets | 3.4832% | 2,049 |
| Loan and lease loss provision to assets | 0.9630% | 814 |
| Net operating income to assets | 2.3462% | 213 |
| Return on assets (ROA) | 2.3462% | 223 |
| Pretax return on assets | -0.2286% | 6,562 |
| Return on Equity (ROE) | 27.1103% | 117 |
| Retained earnings to average equity (ytd only) | 27.1103% | 78 |
| Net charge-offs to loans | 0.5608% | 2,087 |
| Credit loss provision to net charge-offs | 268.7243% | 1,171 |
| Earnings coverage of net charge-offs (x) | 2.0494% | 3,275 |
| Efficiency ratio | 82.5874% | 2,139 |
| Assets per employee ($millions) | 3.4680% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0967% | 838 |
| Loan loss allowance to noncurrent loans | 81.7137% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 4.3900% | 1,485 |
| Noncurrent loans to loans | 3.7897% | 1,935 |
| Net loans and leases to total assets | 61.6713% | 3,932 |
| Net loans and leases to deposits | 70.1670% | 4,322 |
| Net loans and leases to core deposits | 71.4151% | 4,867 |
| Total domestic deposits to total assets | 87.8921% | 2,431 |
| Equity capital to assets | 8.9848% | 5,223 |
| Core capital (leverage) ratio | 8.4523% | 5,543 |
| Tier 1 risk-based capital ratio | 12.2745% | 5,460 |
| Total risk-based capital ratio | 13.5448% | 5,435 |
| Memoranda: | ||
| Average total assets | $271,244,500 | 2,376 |
| Average earning assets | $244,286,000 | 2,405 |
| Average equity | $23,474,500 | 2,691 |
| Average total loans | $173,318,000 | 2,384 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 4,782 |
| Cost of funding earning assets | 1.0228% | 5,577 |
| Net interest margin | 3.9275% | 3,360 |
| Noninterest income to average assets | 0.9348% | 1,727 |
| Noninterest expense to average assets | 3.2824% | 2,790 |
| Loan and lease loss provision to assets | 2.3046% | 523 |
| Net operating income to assets | -1.1065% | 6,746 |
| Return on assets (ROA) | -0.9561% | 6,696 |
| Pretax return on assets | -0.9561% | 6,611 |
| Return on Equity (ROE) | -10.6171% | 6,751 |
| Retained earnings to average equity (ytd only) | -10.6171% | 6,692 |
| Net charge-offs to loans | 2.5614% | 729 |
| Credit loss provision to net charge-offs | 134.1108% | 2,910 |
| Earnings coverage of net charge-offs (x) | 0.6972% | 5,413 |
| Efficiency ratio | 73.2600% | 3,541 |
| Assets per employee ($millions) | 3.5323% | 4,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8203% | 1,028 |
| Loan loss allowance to noncurrent loans | 63.5624% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 4.9046% | 1,315 |
| Noncurrent loans to loans | 4.4371% | 1,605 |
| Net loans and leases to total assets | 62.3420% | 4,217 |
| Net loans and leases to deposits | 70.7357% | 4,717 |
| Net loans and leases to core deposits | 72.0223% | 5,210 |
| Total domestic deposits to total assets | 88.1336% | 2,169 |
| Equity capital to assets | 8.3258% | 6,113 |
| Core capital (leverage) ratio | 8.3380% | 5,627 |
| Tier 1 risk-based capital ratio | 11.9394% | 5,530 |
| Total risk-based capital ratio | 13.2058% | 5,492 |
| Memoranda: | ||
| Average total assets | $271,938,800 | 2,346 |
| Average earning assets | $245,502,200 | 2,376 |
| Average equity | $24,488,800 | 2,610 |
| Average total loans | $182,439,000 | 2,324 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 4,917 |
| Cost of funding earning assets | 1.0696% | 5,595 |
| Net interest margin | 3.9081% | 3,499 |
| Noninterest income to average assets | 0.9698% | 1,551 |
| Noninterest expense to average assets | 3.2498% | 2,743 |
| Loan and lease loss provision to assets | 2.8767% | 319 |
| Net operating income to assets | -1.6274% | 7,140 |
| Return on assets (ROA) | -1.5317% | 7,124 |
| Pretax return on assets | -1.5317% | 7,048 |
| Return on Equity (ROE) | -16.6945% | 7,147 |
| Retained earnings to average equity (ytd only) | -16.6945% | 7,125 |
| Net charge-offs to loans | 3.2872% | 432 |
| Credit loss provision to net charge-offs | 129.0301% | 3,148 |
| Earnings coverage of net charge-offs (x) | 0.5604% | 5,456 |
| Efficiency ratio | 72.2319% | 3,653 |
| Assets per employee ($millions) | 3.3799% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5986% | 1,208 |
| Loan loss allowance to noncurrent loans | 50.9314% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 5.2890% | 1,180 |
| Noncurrent loans to loans | 5.1022% | 1,347 |
| Net loans and leases to total assets | 64.4317% | 4,032 |
| Net loans and leases to deposits | 73.2096% | 4,652 |
| Net loans and leases to core deposits | 74.7639% | 5,198 |
| Total domestic deposits to total assets | 88.0099% | 1,953 |
| Equity capital to assets | 8.5158% | 6,261 |
| Core capital (leverage) ratio | 8.1034% | 6,189 |
| Tier 1 risk-based capital ratio | 11.3997% | 6,021 |
| Total risk-based capital ratio | 12.6640% | 5,994 |
| Memoranda: | ||
| Average total assets | $271,926,750 | 2,378 |
| Average earning assets | $245,567,250 | 2,412 |
| Average equity | $24,949,750 | 2,594 |
| Average total loans | $184,428,000 | 2,333 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9587% | 5,141 |
| Cost of funding earning assets | 1.1038% | 5,649 |
| Net interest margin | 3.8549% | 3,657 |
| Noninterest income to average assets | 0.9793% | 1,441 |
| Noninterest expense to average assets | 3.2015% | 2,897 |
| Loan and lease loss provision to assets | 2.4637% | 467 |
| Net operating income to assets | -1.2017% | 7,029 |
| Return on assets (ROA) | -1.1988% | 7,045 |
| Pretax return on assets | -1.1988% | 6,971 |
| Return on Equity (ROE) | -12.7623% | 7,061 |
| Retained earnings to average equity (ytd only) | -12.7623% | 7,022 |
| Net charge-offs to loans | 2.3953% | 727 |
| Credit loss provision to net charge-offs | 150.4258% | 2,608 |
| Earnings coverage of net charge-offs (x) | 0.7705% | 4,989 |
| Efficiency ratio | 71.7270% | 3,864 |
| Assets per employee ($millions) | 3.4525% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4265% | 1,401 |
| Loan loss allowance to noncurrent loans | 35.8108% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 6.1081% | 951 |
| Noncurrent loans to loans | 6.7759% | 859 |
| Net loans and leases to total assets | 66.4772% | 3,739 |
| Net loans and leases to deposits | 76.4609% | 4,246 |
| Net loans and leases to core deposits | 78.4141% | 4,878 |
| Total domestic deposits to total assets | 86.9427% | 2,556 |
| Equity capital to assets | 9.1527% | 5,209 |
| Core capital (leverage) ratio | 8.6645% | 5,138 |
| Tier 1 risk-based capital ratio | 11.7935% | 5,498 |
| Total risk-based capital ratio | 13.0557% | 5,451 |
| Memoranda: | ||
| Average total assets | $272,439,000 | 2,393 |
| Average earning assets | $246,232,000 | 2,430 |
| Average equity | $25,591,000 | 2,529 |
| Average total loans | $186,282,330 | 2,351 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 5,145 |
| Cost of funding earning assets | 1.1367% | 5,724 |
| Net interest margin | 3.8359% | 3,642 |
| Noninterest income to average assets | 0.9255% | 1,531 |
| Noninterest expense to average assets | 3.0743% | 3,369 |
| Loan and lease loss provision to assets | 1.6175% | 715 |
| Net operating income to assets | -0.2934% | 6,660 |
| Return on assets (ROA) | -0.2876% | 6,710 |
| Pretax return on assets | -0.2876% | 6,624 |
| Return on Equity (ROE) | -3.0235% | 6,742 |
| Retained earnings to average equity (ytd only) | -3.0235% | 6,366 |
| Net charge-offs to loans | 0.9974% | 1,645 |
| Credit loss provision to net charge-offs | 236.7521% | 1,620 |
| Earnings coverage of net charge-offs (x) | 1.9380% | 3,573 |
| Efficiency ratio | 69.8971% | 4,324 |
| Assets per employee ($millions) | 3.5455% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1317% | 1,886 |
| Loan loss allowance to noncurrent loans | 32.0255% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 5.9849% | 1,007 |
| Noncurrent loans to loans | 6.6561% | 932 |
| Net loans and leases to total assets | 66.7138% | 3,695 |
| Net loans and leases to deposits | 76.5270% | 4,313 |
| Net loans and leases to core deposits | 78.4494% | 4,967 |
| Total domestic deposits to total assets | 87.1768% | 2,537 |
| Equity capital to assets | 9.4797% | 4,562 |
| Core capital (leverage) ratio | 9.1789% | 4,260 |
| Tier 1 risk-based capital ratio | 12.3236% | 4,882 |
| Total risk-based capital ratio | 13.5825% | 4,834 |
| Memoranda: | ||
| Average total assets | $274,010,000 | 2,438 |
| Average earning assets | $248,080,500 | 2,468 |
| Average equity | $26,062,500 | 2,509 |
| Average total loans | $187,687,000 | 2,403 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5344% | 3,963 |
| Cost of funding earning assets | 1.4994% | 5,516 |
| Net interest margin | 4.0350% | 2,719 |
| Noninterest income to average assets | 0.8928% | 1,968 |
| Noninterest expense to average assets | 3.2274% | 3,282 |
| Loan and lease loss provision to assets | 1.2556% | 1,842 |
| Net operating income to assets | 0.0726% | 5,289 |
| Return on assets (ROA) | 0.1085% | 5,238 |
| Pretax return on assets | 0.1085% | 5,201 |
| Return on Equity (ROE) | 1.1317% | 5,194 |
| Retained earnings to average equity (ytd only) | 1.1317% | 4,256 |
| Net charge-offs to loans | 1.4212% | 1,766 |
| Credit loss provision to net charge-offs | 123.9766% | 4,242 |
| Earnings coverage of net charge-offs (x) | 1.3114% | 4,816 |
| Efficiency ratio | 70.8459% | 4,467 |
| Assets per employee ($millions) | 3.4812% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 2,677 |
| Loan loss allowance to noncurrent loans | 32.1294% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 5.2866% | 1,122 |
| Noncurrent loans to loans | 5.4709% | 1,188 |
| Net loans and leases to total assets | 67.6138% | 3,796 |
| Net loans and leases to deposits | 77.5598% | 4,462 |
| Net loans and leases to core deposits | 89.1435% | 5,211 |
| Total domestic deposits to total assets | 87.1763% | 2,402 |
| Equity capital to assets | 9.5431% | 4,363 |
| Core capital (leverage) ratio | 9.1542% | 4,193 |
| Tier 1 risk-based capital ratio | 12.2652% | 4,713 |
| Total risk-based capital ratio | 13.5195% | 4,672 |
| Memoranda: | ||
| Average total assets | $270,157,000 | 2,417 |
| Average earning assets | $245,229,200 | 2,452 |
| Average equity | $25,891,000 | 2,537 |
| Average total loans | $192,512,600 | 2,373 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 3,604 |
| Cost of funding earning assets | 1.5691% | 5,549 |
| Net interest margin | 4.0757% | 2,494 |
| Noninterest income to average assets | 0.9310% | 1,854 |
| Noninterest expense to average assets | 3.2616% | 3,072 |
| Loan and lease loss provision to assets | 1.3643% | 1,412 |
| Net operating income to assets | 0.0099% | 5,691 |
| Return on assets (ROA) | 0.0580% | 5,621 |
| Pretax return on assets | 0.0580% | 5,603 |
| Return on Equity (ROE) | 0.6046% | 5,612 |
| Retained earnings to average equity (ytd only) | 0.6046% | 4,948 |
| Net charge-offs to loans | 0.7324% | 2,529 |
| Credit loss provision to net charge-offs | 259.1337% | 1,651 |
| Earnings coverage of net charge-offs (x) | 2.6102% | 3,918 |
| Efficiency ratio | 70.3561% | 4,521 |
| Assets per employee ($millions) | 3.4265% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2610% | 1,336 |
| Loan loss allowance to noncurrent loans | 48.9176% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 4.7337% | 1,258 |
| Noncurrent loans to loans | 4.6220% | 1,495 |
| Net loans and leases to total assets | 68.7729% | 3,780 |
| Net loans and leases to deposits | 79.3500% | 4,501 |
| Net loans and leases to core deposits | 93.4294% | 5,079 |
| Total domestic deposits to total assets | 86.6703% | 2,342 |
| Equity capital to assets | 9.5171% | 4,724 |
| Core capital (leverage) ratio | 9.1681% | 4,383 |
| Tier 1 risk-based capital ratio | 12.0337% | 4,943 |
| Total risk-based capital ratio | 13.2943% | 4,872 |
| Memoranda: | ||
| Average total assets | $268,942,500 | 2,440 |
| Average earning assets | $244,469,500 | 2,472 |
| Average equity | $25,802,500 | 2,566 |
| Average total loans | $193,322,000 | 2,385 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6834% | 3,644 |
| Cost of funding earning assets | 1.6305% | 5,610 |
| Net interest margin | 4.0529% | 2,494 |
| Noninterest income to average assets | 1.0059% | 1,577 |
| Noninterest expense to average assets | 3.3007% | 2,959 |
| Loan and lease loss provision to assets | 1.1391% | 1,506 |
| Net operating income to assets | 0.2477% | 5,093 |
| Return on assets (ROA) | 0.2477% | 5,191 |
| Pretax return on assets | 0.2477% | 5,335 |
| Return on Equity (ROE) | 2.5751% | 5,068 |
| Retained earnings to average equity (ytd only) | 2.5751% | 3,893 |
| Net charge-offs to loans | 0.1881% | 4,383 |
| Credit loss provision to net charge-offs | 836.2637% | 564 |
| Earnings coverage of net charge-offs (x) | 10.1813% | 2,023 |
| Efficiency ratio | 70.4135% | 4,698 |
| Assets per employee ($millions) | 3.3617% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0533% | 1,474 |
| Loan loss allowance to noncurrent loans | 44.9060% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 4.9454% | 1,083 |
| Noncurrent loans to loans | 4.5724% | 1,403 |
| Net loans and leases to total assets | 71.1459% | 3,437 |
| Net loans and leases to deposits | 82.5255% | 4,129 |
| Net loans and leases to core deposits | 97.3651% | 4,747 |
| Total domestic deposits to total assets | 86.2108% | 2,667 |
| Equity capital to assets | 9.6707% | 4,394 |
| Core capital (leverage) ratio | 9.3311% | 4,131 |
| Tier 1 risk-based capital ratio | 11.9919% | 4,926 |
| Total risk-based capital ratio | 13.2502% | 4,838 |
| Memoranda: | ||
| Average total assets | $267,217,330 | 2,465 |
| Average earning assets | $242,741,000 | 2,498 |
| Average equity | $25,707,330 | 2,581 |
| Average total loans | $193,469,330 | 2,420 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 3,831 |
| Cost of funding earning assets | 1.6900% | 5,636 |
| Net interest margin | 4.0049% | 2,620 |
| Noninterest income to average assets | 0.9371% | 1,704 |
| Noninterest expense to average assets | 3.1266% | 3,279 |
| Loan and lease loss provision to assets | 1.1308% | 1,152 |
| Net operating income to assets | 0.3274% | 5,179 |
| Return on assets (ROA) | 0.3274% | 5,362 |
| Pretax return on assets | 0.3274% | 5,600 |
| Return on Equity (ROE) | 3.4120% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.4120% | 3,989 |
| Net charge-offs to loans | 0.1641% | 3,651 |
| Credit loss provision to net charge-offs | 953.1646% | 654 |
| Earnings coverage of net charge-offs (x) | 12.2911% | 1,814 |
| Efficiency ratio | 68.1952% | 4,924 |
| Assets per employee ($millions) | 3.2277% | 5,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 2,032 |
| Loan loss allowance to noncurrent loans | 38.2024% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 4.3886% | 1,112 |
| Noncurrent loans to loans | 4.5337% | 1,265 |
| Net loans and leases to total assets | 70.8435% | 3,506 |
| Net loans and leases to deposits | 81.8407% | 4,315 |
| Net loans and leases to core deposits | 96.7832% | 4,869 |
| Total domestic deposits to total assets | 86.5627% | 2,416 |
| Equity capital to assets | 9.6235% | 4,493 |
| Core capital (leverage) ratio | 9.4552% | 4,044 |
| Tier 1 risk-based capital ratio | 11.9800% | 4,980 |
| Total risk-based capital ratio | 13.2342% | 4,868 |
| Memoranda: | ||
| Average total assets | $266,358,000 | 2,492 |
| Average earning assets | $242,600,500 | 2,514 |
| Average equity | $25,557,000 | 2,601 |
| Average total loans | $192,530,000 | 2,442 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3196% | 3,857 |
| Cost of funding earning assets | 2.2499% | 5,369 |
| Net interest margin | 4.0697% | 2,834 |
| Noninterest income to average assets | 0.8522% | 2,213 |
| Noninterest expense to average assets | 3.2585% | 3,125 |
| Loan and lease loss provision to assets | 0.9259% | 1,608 |
| Net operating income to assets | 0.3434% | 5,383 |
| Return on assets (ROA) | 0.3434% | 5,199 |
| Pretax return on assets | 0.3434% | 5,408 |
| Return on Equity (ROE) | 3.5386% | 5,020 |
| Retained earnings to average equity (ytd only) | -1.8351% | 5,826 |
| Net charge-offs to loans | 1.2038% | 1,004 |
| Credit loss provision to net charge-offs | 107.4106% | 4,996 |
| Earnings coverage of net charge-offs (x) | 1.4725% | 5,371 |
| Efficiency ratio | 71.9668% | 3,945 |
| Assets per employee ($millions) | 3.1526% | 5,617 |
| Cash dividends to net income (ytd only)* | 151.8600% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 3,245 |
| Loan loss allowance to noncurrent loans | 38.9984% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 3.6942% | 1,176 |
| Noncurrent loans to loans | 3.5685% | 1,420 |
| Net loans and leases to total assets | 71.4663% | 3,693 |
| Net loans and leases to deposits | 82.6295% | 4,634 |
| Net loans and leases to core deposits | 97.6715% | 5,075 |
| Total domestic deposits to total assets | 86.4901% | 2,171 |
| Equity capital to assets | 9.5661% | 4,589 |
| Core capital (leverage) ratio | 9.3237% | 4,266 |
| Tier 1 risk-based capital ratio | 11.9716% | 4,845 |
| Total risk-based capital ratio | 13.2219% | 4,731 |
| Memoranda: | ||
| Average total assets | $266,132,200 | 2,411 |
| Average earning assets | $240,363,800 | 2,454 |
| Average equity | $25,829,400 | 2,574 |
| Average total loans | $190,571,000 | 2,384 |