Home > Logansport Savings Bank > Performance and Condition Ratios
Logansport Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 1,817 |
| Cost of funding earning assets | 2.0887% | 795 |
| Net interest margin | 3.0317% | 3,218 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.4173% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7474% | 3,049 |
| Return on assets (ROA) | 0.7474% | 3,037 |
| Pretax return on assets | 0.8343% | 3,128 |
| Return on Equity (ROE) | 9.3500% | 2,678 |
| Retained earnings to average equity (ytd only) | -3.6823% | 4,359 |
| Net charge-offs to loans | 0.0030% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 418.4000% | 338 |
| Efficiency ratio | 74.3407% | 1,419 |
| Assets per employee ($millions) | 7.7405% | 1,566 |
| Cash dividends to net income (ytd only)* | 139.3810% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,087 |
| Loan loss allowance to noncurrent loans | 439.4148% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 2,038 |
| Noncurrent loans to loans | 0.3389% | 1,965 |
| Net loans and leases to total assets | 68.1800% | 2,017 |
| Net loans and leases to deposits | 80.2650% | 2,084 |
| Net loans and leases to core deposits | 85.4811% | 2,342 |
| Total domestic deposits to total assets | 84.9400% | 2,332 |
| Equity capital to assets | 8.4874% | 3,065 |
| Core capital (leverage) ratio | 11.3168% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $250,736,800 | 2,681 |
| Average earning assets | $234,455,600 | 2,658 |
| Average equity | $20,041,800 | 2,854 |
| Average total loans | $167,606,200 | 2,539 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 1,769 |
| Cost of funding earning assets | 1.8955% | 864 |
| Net interest margin | 3.1358% | 3,071 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.4281% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8302% | 2,932 |
| Return on assets (ROA) | 0.8302% | 2,915 |
| Pretax return on assets | 0.9394% | 3,007 |
| Return on Equity (ROE) | 10.5500% | 2,491 |
| Retained earnings to average equity (ytd only) | -5.1927% | 4,426 |
| Net charge-offs to loans | 0.0048% | 2,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 295.3333% | 452 |
| Efficiency ratio | 72.1033% | 1,554 |
| Assets per employee ($millions) | 7.8727% | 1,416 |
| Cash dividends to net income (ytd only)* | 149.2337% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 1,046 |
| Loan loss allowance to noncurrent loans | 438.2550% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 2,034 |
| Noncurrent loans to loans | 0.3479% | 1,976 |
| Net loans and leases to total assets | 69.1200% | 1,933 |
| Net loans and leases to deposits | 83.7538% | 1,759 |
| Net loans and leases to core deposits | 87.6255% | 2,083 |
| Total domestic deposits to total assets | 82.5300% | 3,111 |
| Equity capital to assets | 7.2930% | 3,469 |
| Core capital (leverage) ratio | 11.2516% | 1,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $251,497,000 | 2,678 |
| Average earning assets | $235,216,000 | 2,665 |
| Average equity | $19,796,500 | 2,865 |
| Average total loans | $166,652,500 | 2,554 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8967% | 1,770 |
| Cost of funding earning assets | 1.6179% | 1,023 |
| Net interest margin | 3.2788% | 2,800 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.4112% | 2,444 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9284% | 2,658 |
| Return on assets (ROA) | 0.9284% | 2,644 |
| Pretax return on assets | 1.0560% | 2,761 |
| Return on Equity (ROE) | 11.5200% | 2,290 |
| Retained earnings to average equity (ytd only) | -8.6403% | 4,491 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.5435% | 1,807 |
| Assets per employee ($millions) | 7.6710% | 1,491 |
| Cash dividends to net income (ytd only)* | 174.9788% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,221 |
| Loan loss allowance to noncurrent loans | 418.6161% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 1,993 |
| Noncurrent loans to loans | 0.3550% | 1,863 |
| Net loans and leases to total assets | 66.5500% | 2,098 |
| Net loans and leases to deposits | 78.0784% | 2,124 |
| Net loans and leases to core deposits | 81.1318% | 2,401 |
| Total domestic deposits to total assets | 85.2300% | 2,481 |
| Equity capital to assets | 7.6802% | 3,415 |
| Core capital (leverage) ratio | 10.7953% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $253,977,667 | 2,671 |
| Average earning assets | $237,711,333 | 2,654 |
| Average equity | $20,462,333 | 2,823 |
| Average total loans | $165,099,000 | 2,559 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 1,785 |
| Cost of funding earning assets | 1.4168% | 999 |
| Net interest margin | 3.3098% | 2,855 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.3947% | 2,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9544% | 2,675 |
| Return on assets (ROA) | 0.9544% | 2,639 |
| Pretax return on assets | 1.0739% | 2,785 |
| Return on Equity (ROE) | 11.5800% | 2,329 |
| Retained earnings to average equity (ytd only) | 6.5991% | 2,618 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0390% | 1,856 |
| Assets per employee ($millions) | 7.4644% | 1,644 |
| Cash dividends to net income (ytd only)* | 42.9984% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 1,070 |
| Loan loss allowance to noncurrent loans | 418.2708% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 1,911 |
| Noncurrent loans to loans | 0.3757% | 1,804 |
| Net loans and leases to total assets | 63.2700% | 2,327 |
| Net loans and leases to deposits | 76.4772% | 2,075 |
| Net loans and leases to core deposits | 79.2647% | 2,303 |
| Total domestic deposits to total assets | 82.7300% | 3,348 |
| Equity capital to assets | 8.4046% | 2,963 |
| Core capital (leverage) ratio | 11.3674% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $254,394,500 | 2,698 |
| Average earning assets | $238,562,000 | 2,682 |
| Average equity | $20,972,500 | 2,799 |
| Average total loans | $162,147,000 | 2,607 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 1,279 |
| Cost of funding earning assets | 0.5273% | 1,226 |
| Net interest margin | 3.6572% | 1,480 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.4037% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3142% | 1,380 |
| Return on assets (ROA) | 1.3142% | 1,342 |
| Pretax return on assets | 1.4895% | 1,486 |
| Return on Equity (ROE) | 14.1800% | 1,493 |
| Retained earnings to average equity (ytd only) | 9.9117% | 1,185 |
| Net charge-offs to loans | 0.0329% | 1,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 74.9184% | 1,121 |
| Efficiency ratio | 61.7405% | 2,799 |
| Assets per employee ($millions) | 7.9687% | 1,338 |
| Cash dividends to net income (ytd only)* | 30.1019% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,284 |
| Loan loss allowance to noncurrent loans | 302.9231% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 1,882 |
| Noncurrent loans to loans | 0.4034% | 1,717 |
| Net loans and leases to total assets | 62.4200% | 2,394 |
| Net loans and leases to deposits | 73.2513% | 2,310 |
| Net loans and leases to core deposits | 75.8221% | 2,432 |
| Total domestic deposits to total assets | 85.2200% | 2,930 |
| Equity capital to assets | 8.0843% | 3,007 |
| Core capital (leverage) ratio | 11.6128% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $246,457,600 | 2,749 |
| Average earning assets | $232,527,200 | 2,718 |
| Average equity | $22,841,600 | 2,715 |
| Average total loans | $148,725,200 | 2,645 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0510% | 1,160 |
| Cost of funding earning assets | 0.3695% | 1,530 |
| Net interest margin | 3.6815% | 1,185 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.4044% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3561% | 1,200 |
| Return on assets (ROA) | 1.3561% | 1,174 |
| Pretax return on assets | 1.5460% | 1,285 |
| Return on Equity (ROE) | 14.1600% | 1,385 |
| Retained earnings to average equity (ytd only) | 9.9948% | 1,342 |
| Net charge-offs to loans | 0.0458% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 56.6600% | 1,212 |
| Efficiency ratio | 60.8648% | 3,001 |
| Assets per employee ($millions) | 7.5319% | 1,594 |
| Cash dividends to net income (ytd only)* | 29.4165% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 1,956 |
| Loan loss allowance to noncurrent loans | 305.5901% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 1,887 |
| Noncurrent loans to loans | 0.4309% | 1,736 |
| Net loans and leases to total assets | 61.1900% | 2,385 |
| Net loans and leases to deposits | 66.7320% | 2,654 |
| Net loans and leases to core deposits | 68.7953% | 2,737 |
| Total domestic deposits to total assets | 91.6900% | 977 |
| Equity capital to assets | 7.9076% | 2,955 |
| Core capital (leverage) ratio | 11.7744% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $244,322,250 | 2,783 |
| Average earning assets | $230,951,000 | 2,752 |
| Average equity | $23,398,250 | 2,718 |
| Average total loans | $145,619,000 | 2,678 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9102% | 1,099 |
| Cost of funding earning assets | 0.2510% | 2,255 |
| Net interest margin | 3.6592% | 979 |
| Noninterest income to average assets | 0.4482% | 2,463 |
| Noninterest expense to average assets | 2.3730% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3487% | 1,026 |
| Return on assets (ROA) | 1.3487% | 1,006 |
| Pretax return on assets | 1.5443% | 1,059 |
| Return on Equity (ROE) | 13.3228% | 1,285 |
| Retained earnings to average equity (ytd only) | 9.4024% | 1,177 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5783% | 3,229 |
| Assets per employee ($millions) | 7.6125% | 1,540 |
| Cash dividends to net income (ytd only)* | 29.4260% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 1,818 |
| Loan loss allowance to noncurrent loans | 548.3696% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 2,660 |
| Noncurrent loans to loans | 0.2523% | 2,469 |
| Net loans and leases to total assets | 59.0494% | 2,436 |
| Net loans and leases to deposits | 65.0723% | 2,634 |
| Net loans and leases to core deposits | 67.0003% | 2,739 |
| Total domestic deposits to total assets | 90.7443% | 1,365 |
| Equity capital to assets | 8.7652% | 2,560 |
| Core capital (leverage) ratio | 11.2605% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,423,000 | 2,797 |
| Average earning assets | $232,676,000 | 2,776 |
| Average equity | $24,844,667 | 2,690 |
| Average total loans | $144,345,667 | 2,703 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 1,138 |
| Cost of funding earning assets | 0.1979% | 2,832 |
| Net interest margin | 3.5743% | 938 |
| Noninterest income to average assets | 0.4173% | 2,576 |
| Noninterest expense to average assets | 2.3367% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2958% | 1,013 |
| Return on assets (ROA) | 1.2958% | 1,005 |
| Pretax return on assets | 1.4825% | 1,048 |
| Return on Equity (ROE) | 12.0041% | 1,313 |
| Retained earnings to average equity (ytd only) | 8.3487% | 1,471 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1820% | 3,360 |
| Assets per employee ($millions) | 7.2062% | 1,852 |
| Cash dividends to net income (ytd only)* | 30.4511% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 1,950 |
| Loan loss allowance to noncurrent loans | 526.8930% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 2,707 |
| Noncurrent loans to loans | 0.2635% | 2,532 |
| Net loans and leases to total assets | 58.5024% | 2,245 |
| Net loans and leases to deposits | 65.3467% | 2,400 |
| Net loans and leases to core deposits | 68.0976% | 2,449 |
| Total domestic deposits to total assets | 89.5262% | 1,802 |
| Equity capital to assets | 10.0334% | 1,865 |
| Core capital (leverage) ratio | 11.1204% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,334,000 | 2,803 |
| Average earning assets | $234,449,500 | 2,770 |
| Average equity | $26,591,000 | 2,677 |
| Average total loans | $143,587,000 | 2,705 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8436% | 1,759 |
| Cost of funding earning assets | 0.2371% | 3,070 |
| Net interest margin | 3.6065% | 1,446 |
| Noninterest income to average assets | 0.7460% | 1,609 |
| Noninterest expense to average assets | 2.5065% | 2,160 |
| Loan and lease loss provision to assets | 0.0307% | 2,443 |
| Net operating income to assets | 1.3803% | 1,345 |
| Return on assets (ROA) | 1.3803% | 1,395 |
| Pretax return on assets | 1.6626% | 1,232 |
| Return on Equity (ROE) | 11.7426% | 1,900 |
| Retained earnings to average equity (ytd only) | 3.0195% | 3,626 |
| Net charge-offs to loans | -0.0517% | 4,342 |
| Credit loss provision to net charge-offs | -102.7778% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6817% | 3,199 |
| Assets per employee ($millions) | 7.7393% | 1,473 |
| Cash dividends to net income (ytd only)* | 74.2857% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 1,832 |
| Loan loss allowance to noncurrent loans | 613.3739% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 3,010 |
| Noncurrent loans to loans | 0.2320% | 2,797 |
| Net loans and leases to total assets | 56.4493% | 2,549 |
| Net loans and leases to deposits | 64.3170% | 2,661 |
| Net loans and leases to core deposits | 67.2083% | 2,720 |
| Total domestic deposits to total assets | 87.7673% | 2,163 |
| Equity capital to assets | 11.5479% | 1,484 |
| Core capital (leverage) ratio | 10.5170% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,889,400 | 2,789 |
| Average earning assets | $230,694,200 | 2,739 |
| Average equity | $28,315,800 | 2,627 |
| Average total loans | $139,342,000 | 2,732 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 1,991 |
| Cost of funding earning assets | 0.2448% | 3,166 |
| Net interest margin | 3.5669% | 1,680 |
| Noninterest income to average assets | 0.7937% | 1,545 |
| Noninterest expense to average assets | 2.5161% | 2,073 |
| Loan and lease loss provision to assets | 0.0414% | 2,169 |
| Net operating income to assets | 1.3729% | 1,617 |
| Return on assets (ROA) | 1.3729% | 1,672 |
| Pretax return on assets | 1.6555% | 1,534 |
| Return on Equity (ROE) | 11.6265% | 2,167 |
| Retained earnings to average equity (ytd only) | 1.1140% | 4,392 |
| Net charge-offs to loans | -0.0029% | 3,290 |
| Credit loss provision to net charge-offs | -2,466.6667% | 4,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7248% | 3,021 |
| Assets per employee ($millions) | 7.8139% | 1,368 |
| Cash dividends to net income (ytd only)* | 90.4182% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 1,947 |
| Loan loss allowance to noncurrent loans | 698.5663% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 3,366 |
| Noncurrent loans to loans | 0.2031% | 3,140 |
| Net loans and leases to total assets | 54.1559% | 2,954 |
| Net loans and leases to deposits | 61.4750% | 3,096 |
| Net loans and leases to core deposits | 64.2135% | 3,118 |
| Total domestic deposits to total assets | 88.0941% | 1,785 |
| Equity capital to assets | 11.3256% | 1,789 |
| Core capital (leverage) ratio | 10.6223% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,197,750 | 2,825 |
| Average earning assets | $229,284,500 | 2,772 |
| Average equity | $28,245,000 | 2,665 |
| Average total loans | $138,723,000 | 2,777 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 2,016 |
| Cost of funding earning assets | 0.2576% | 3,213 |
| Net interest margin | 3.5626% | 1,679 |
| Noninterest income to average assets | 0.8999% | 1,275 |
| Noninterest expense to average assets | 2.5223% | 2,075 |
| Loan and lease loss provision to assets | 0.0628% | 1,791 |
| Net operating income to assets | 1.4246% | 1,501 |
| Return on assets (ROA) | 1.4246% | 1,570 |
| Pretax return on assets | 1.7310% | 1,406 |
| Return on Equity (ROE) | 11.8921% | 2,107 |
| Retained earnings to average equity (ytd only) | -2.1474% | 4,674 |
| Net charge-offs to loans | -0.0043% | 3,392 |
| Credit loss provision to net charge-offs | -2,466.6667% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4382% | 3,223 |
| Assets per employee ($millions) | 7.6037% | 1,417 |
| Cash dividends to net income (ytd only)* | 118.0572% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,954 |
| Loan loss allowance to noncurrent loans | 1,218.1250% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 3,776 |
| Noncurrent loans to loans | 0.1154% | 3,612 |
| Net loans and leases to total assets | 56.1634% | 2,883 |
| Net loans and leases to deposits | 63.8312% | 3,018 |
| Net loans and leases to core deposits | 65.7163% | 3,139 |
| Total domestic deposits to total assets | 87.9873% | 1,827 |
| Equity capital to assets | 11.4402% | 1,664 |
| Core capital (leverage) ratio | 10.3769% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,582,000 | 2,838 |
| Average earning assets | $225,899,667 | 2,785 |
| Average equity | $28,220,333 | 2,655 |
| Average total loans | $139,176,333 | 2,789 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 1,705 |
| Cost of funding earning assets | 0.2710% | 3,262 |
| Net interest margin | 3.6798% | 1,380 |
| Noninterest income to average assets | 1.0910% | 995 |
| Noninterest expense to average assets | 2.4686% | 2,270 |
| Loan and lease loss provision to assets | 0.1105% | 1,253 |
| Net operating income to assets | 1.6710% | 987 |
| Return on assets (ROA) | 1.6710% | 1,036 |
| Pretax return on assets | 2.0508% | 873 |
| Return on Equity (ROE) | 13.6278% | 1,509 |
| Retained earnings to average equity (ytd only) | 10.1786% | 1,607 |
| Net charge-offs to loans | -0.0287% | 4,151 |
| Credit loss provision to net charge-offs | -640.0000% | 3,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3184% | 3,878 |
| Assets per employee ($millions) | 7.5910% | 1,400 |
| Cash dividends to net income (ytd only)* | 25.3099% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 1,982 |
| Loan loss allowance to noncurrent loans | 1,151.4793% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 3,335 |
| Noncurrent loans to loans | 0.1211% | 3,706 |
| Net loans and leases to total assets | 56.6419% | 2,967 |
| Net loans and leases to deposits | 64.4438% | 3,087 |
| Net loans and leases to core deposits | 66.2669% | 3,220 |
| Total domestic deposits to total assets | 87.8936% | 1,898 |
| Equity capital to assets | 11.6450% | 1,469 |
| Core capital (leverage) ratio | 11.2428% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,714,500 | 2,852 |
| Average earning assets | $222,838,500 | 2,790 |
| Average equity | $28,412,500 | 2,640 |
| Average total loans | $139,462,500 | 2,787 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 1,746 |
| Cost of funding earning assets | 0.4560% | 3,250 |
| Net interest margin | 3.8831% | 1,263 |
| Noninterest income to average assets | 1.3628% | 629 |
| Noninterest expense to average assets | 2.7523% | 2,070 |
| Loan and lease loss provision to assets | 0.0941% | 3,173 |
| Net operating income to assets | 1.9033% | 318 |
| Return on assets (ROA) | 1.9033% | 340 |
| Pretax return on assets | 2.2447% | 282 |
| Return on Equity (ROE) | 15.1044% | 628 |
| Retained earnings to average equity (ytd only) | 11.8569% | 335 |
| Net charge-offs to loans | 0.0635% | 1,870 |
| Credit loss provision to net charge-offs | 226.4368% | 2,037 |
| Earnings coverage of net charge-offs (x) | 56.2989% | 1,106 |
| Efficiency ratio | 54.0612% | 4,203 |
| Assets per employee ($millions) | 7.3506% | 1,364 |
| Cash dividends to net income (ytd only)* | 21.5003% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 2,221 |
| Loan loss allowance to noncurrent loans | 412.3348% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 3,258 |
| Noncurrent loans to loans | 0.3257% | 3,035 |
| Net loans and leases to total assets | 62.3612% | 2,562 |
| Net loans and leases to deposits | 72.3328% | 2,649 |
| Net loans and leases to core deposits | 74.7387% | 2,842 |
| Total domestic deposits to total assets | 86.2142% | 2,269 |
| Equity capital to assets | 12.9414% | 1,114 |
| Core capital (leverage) ratio | 11.2733% | 1,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9770% | 1,060 |
| Memoranda: | ||
| Average total assets | $209,422,000 | 2,864 |
| Average earning assets | $201,075,600 | 2,815 |
| Average equity | $26,389,600 | 2,722 |
| Average total loans | $137,101,200 | 2,780 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 1,900 |
| Cost of funding earning assets | 0.5004% | 3,220 |
| Net interest margin | 3.8784% | 1,412 |
| Noninterest income to average assets | 1.3652% | 593 |
| Noninterest expense to average assets | 2.6995% | 2,254 |
| Loan and lease loss provision to assets | 0.0702% | 3,450 |
| Net operating income to assets | 1.9859% | 306 |
| Return on assets (ROA) | 1.9859% | 333 |
| Pretax return on assets | 2.3163% | 270 |
| Return on Equity (ROE) | 15.8743% | 560 |
| Retained earnings to average equity (ytd only) | 12.5581% | 367 |
| Net charge-offs to loans | 0.0010% | 3,203 |
| Credit loss provision to net charge-offs | 10,900.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 3,699.0000% | 18 |
| Efficiency ratio | 53.0762% | 4,246 |
| Assets per employee ($millions) | 7.4495% | 1,244 |
| Cash dividends to net income (ytd only)* | 20.8902% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 2,089 |
| Loan loss allowance to noncurrent loans | 359.6154% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,278 |
| Noncurrent loans to loans | 0.3663% | 2,972 |
| Net loans and leases to total assets | 62.6776% | 2,923 |
| Net loans and leases to deposits | 72.1898% | 3,114 |
| Net loans and leases to core deposits | 74.5445% | 3,281 |
| Total domestic deposits to total assets | 86.8233% | 1,732 |
| Equity capital to assets | 12.3807% | 1,477 |
| Core capital (leverage) ratio | 11.4298% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1288% | 1,221 |
| Memoranda: | ||
| Average total assets | $206,648,250 | 2,868 |
| Average earning assets | $198,254,750 | 2,825 |
| Average equity | $25,852,500 | 2,741 |
| Average total loans | $136,529,250 | 2,788 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 1,807 |
| Cost of funding earning assets | 0.5598% | 3,181 |
| Net interest margin | 3.9788% | 1,377 |
| Noninterest income to average assets | 0.7879% | 1,474 |
| Noninterest expense to average assets | 2.6960% | 2,396 |
| Loan and lease loss provision to assets | 0.0587% | 3,565 |
| Net operating income to assets | 1.5211% | 888 |
| Return on assets (ROA) | 1.5211% | 964 |
| Pretax return on assets | 1.8444% | 748 |
| Return on Equity (ROE) | 12.1123% | 1,306 |
| Retained earnings to average equity (ytd only) | 8.7060% | 1,103 |
| Net charge-offs to loans | 0.0119% | 2,535 |
| Credit loss provision to net charge-offs | 737.5000% | 962 |
| Earnings coverage of net charge-offs (x) | 239.1250% | 383 |
| Efficiency ratio | 58.6199% | 3,605 |
| Assets per employee ($millions) | 7.6529% | 1,102 |
| Cash dividends to net income (ytd only)* | 28.1230% | 2,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,296 |
| Loan loss allowance to noncurrent loans | 401.1062% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 3,518 |
| Noncurrent loans to loans | 0.3097% | 3,276 |
| Net loans and leases to total assets | 64.9466% | 2,764 |
| Net loans and leases to deposits | 74.2910% | 3,049 |
| Net loans and leases to core deposits | 76.6606% | 3,235 |
| Total domestic deposits to total assets | 87.4219% | 1,444 |
| Equity capital to assets | 11.8211% | 1,771 |
| Core capital (leverage) ratio | 10.9073% | 2,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5231% | 1,360 |
| Memoranda: | ||
| Average total assets | $201,036,000 | 2,893 |
| Average earning assets | $192,571,667 | 2,851 |
| Average equity | $25,247,000 | 2,763 |
| Average total loans | $134,724,000 | 2,808 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,968 |
| Cost of funding earning assets | 0.6827% | 3,004 |
| Net interest margin | 3.9273% | 1,588 |
| Noninterest income to average assets | 0.4198% | 2,972 |
| Noninterest expense to average assets | 2.6088% | 2,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3201% | 1,186 |
| Return on assets (ROA) | 1.3201% | 1,281 |
| Pretax return on assets | 1.5657% | 1,141 |
| Return on Equity (ROE) | 10.1644% | 1,689 |
| Retained earnings to average equity (ytd only) | 6.6901% | 1,651 |
| Net charge-offs to loans | 0.0093% | 2,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 248.6667% | 278 |
| Efficiency ratio | 62.4937% | 3,441 |
| Assets per employee ($millions) | 6.6536% | 1,261 |
| Cash dividends to net income (ytd only)* | 34.1812% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 1,989 |
| Loan loss allowance to noncurrent loans | 935.6383% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0974% | 4,131 |
| Noncurrent loans to loans | 0.1425% | 3,953 |
| Net loans and leases to total assets | 67.4587% | 2,624 |
| Net loans and leases to deposits | 78.1842% | 2,863 |
| Net loans and leases to core deposits | 81.3740% | 3,078 |
| Total domestic deposits to total assets | 86.2818% | 1,880 |
| Equity capital to assets | 13.0549% | 1,403 |
| Core capital (leverage) ratio | 12.0701% | 1,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5308% | 1,228 |
| Memoranda: | ||
| Average total assets | $190,587,500 | 2,950 |
| Average earning assets | $182,210,500 | 2,900 |
| Average equity | $24,753,000 | 2,791 |
| Average total loans | $129,110,500 | 2,847 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6899% | 2,355 |
| Cost of funding earning assets | 0.8805% | 2,282 |
| Net interest margin | 3.8094% | 2,471 |
| Noninterest income to average assets | 0.4701% | 2,902 |
| Noninterest expense to average assets | 2.6203% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2356% | 1,924 |
| Return on assets (ROA) | 1.2698% | 1,887 |
| Pretax return on assets | 1.5312% | 1,707 |
| Return on Equity (ROE) | 9.7538% | 2,413 |
| Retained earnings to average equity (ytd only) | -3.4003% | 4,926 |
| Net charge-offs to loans | -0.0230% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7493% | 3,109 |
| Assets per employee ($millions) | 6.2740% | 1,437 |
| Cash dividends to net income (ytd only)* | 134.8616% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,537 |
| Loan loss allowance to noncurrent loans | 693.7008% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 3,964 |
| Noncurrent loans to loans | 0.2011% | 3,734 |
| Net loans and leases to total assets | 66.1646% | 2,928 |
| Net loans and leases to deposits | 76.5051% | 3,132 |
| Net loans and leases to core deposits | 79.3459% | 3,355 |
| Total domestic deposits to total assets | 86.4839% | 1,854 |
| Equity capital to assets | 12.9189% | 1,570 |
| Core capital (leverage) ratio | 11.6912% | 1,966 |
| Tier 1 risk-based capital ratio | 16.0889% | 2,373 |
| Total risk-based capital ratio | 17.3211% | 2,327 |
| Memoranda: | ||
| Average total assets | $182,078,400 | 2,996 |
| Average earning assets | $173,990,600 | 2,941 |
| Average equity | $23,703,600 | 2,822 |
| Average total loans | $117,210,400 | 2,974 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 2,506 |
| Cost of funding earning assets | 0.9122% | 2,171 |
| Net interest margin | 3.7562% | 2,732 |
| Noninterest income to average assets | 0.4505% | 3,015 |
| Noninterest expense to average assets | 2.5751% | 3,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2143% | 2,147 |
| Return on assets (ROA) | 1.2584% | 2,073 |
| Pretax return on assets | 1.5169% | 1,907 |
| Return on Equity (ROE) | 9.6471% | 2,601 |
| Retained earnings to average equity (ytd only) | -6.1710% | 5,090 |
| Net charge-offs to loans | -0.0244% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7594% | 3,048 |
| Assets per employee ($millions) | 6.2019% | 1,461 |
| Cash dividends to net income (ytd only)* | 163.9674% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 1,504 |
| Loan loss allowance to noncurrent loans | 514.9560% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 3,837 |
| Noncurrent loans to loans | 0.2754% | 3,552 |
| Net loans and leases to total assets | 65.6134% | 3,099 |
| Net loans and leases to deposits | 75.9042% | 3,304 |
| Net loans and leases to core deposits | 78.7734% | 3,484 |
| Total domestic deposits to total assets | 86.4424% | 1,799 |
| Equity capital to assets | 12.9626% | 1,649 |
| Core capital (leverage) ratio | 12.1105% | 1,783 |
| Tier 1 risk-based capital ratio | 17.3374% | 1,985 |
| Total risk-based capital ratio | 18.5880% | 1,948 |
| Memoranda: | ||
| Average total assets | $180,543,000 | 3,038 |
| Average earning assets | $172,472,750 | 2,985 |
| Average equity | $23,550,500 | 2,846 |
| Average total loans | $114,938,750 | 3,044 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6361% | 2,562 |
| Cost of funding earning assets | 0.9202% | 2,051 |
| Net interest margin | 3.7159% | 2,883 |
| Noninterest income to average assets | 0.3939% | 3,304 |
| Noninterest expense to average assets | 2.5618% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1533% | 2,316 |
| Return on assets (ROA) | 1.2210% | 2,125 |
| Pretax return on assets | 1.4605% | 1,991 |
| Return on Equity (ROE) | 9.3402% | 2,708 |
| Retained earnings to average equity (ytd only) | -9.0063% | 5,157 |
| Net charge-offs to loans | -0.0143% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9915% | 2,977 |
| Assets per employee ($millions) | 6.3197% | 1,322 |
| Cash dividends to net income (ytd only)* | 196.4253% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 1,210 |
| Loan loss allowance to noncurrent loans | 607.3171% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 3,977 |
| Noncurrent loans to loans | 0.2504% | 3,637 |
| Net loans and leases to total assets | 61.5877% | 3,591 |
| Net loans and leases to deposits | 71.1657% | 3,756 |
| Net loans and leases to core deposits | 73.6485% | 3,912 |
| Total domestic deposits to total assets | 86.5413% | 1,800 |
| Equity capital to assets | 12.8809% | 1,649 |
| Core capital (leverage) ratio | 11.9318% | 1,869 |
| Tier 1 risk-based capital ratio | 16.9889% | 2,096 |
| Total risk-based capital ratio | 18.2396% | 2,035 |
| Memoranda: | ||
| Average total assets | $178,704,670 | 3,070 |
| Average earning assets | $170,618,000 | 3,011 |
| Average equity | $23,361,330 | 2,850 |
| Average total loans | $111,973,330 | 3,100 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 2,596 |
| Cost of funding earning assets | 0.8827% | 2,078 |
| Net interest margin | 3.6997% | 2,891 |
| Noninterest income to average assets | 0.3401% | 3,587 |
| Noninterest expense to average assets | 2.4918% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1609% | 2,212 |
| Return on assets (ROA) | 1.1609% | 2,265 |
| Pretax return on assets | 1.3740% | 2,172 |
| Return on Equity (ROE) | 8.8130% | 2,889 |
| Retained earnings to average equity (ytd only) | -24.3561% | 5,286 |
| Net charge-offs to loans | -0.0145% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4575% | 3,168 |
| Assets per employee ($millions) | 6.1906% | 1,410 |
| Cash dividends to net income (ytd only)* | 376.3672% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5638% | 1,148 |
| Loan loss allowance to noncurrent loans | 701.2097% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 4,109 |
| Noncurrent loans to loans | 0.2230% | 3,792 |
| Net loans and leases to total assets | 60.9724% | 3,605 |
| Net loans and leases to deposits | 70.1266% | 3,757 |
| Net loans and leases to core deposits | 72.3596% | 3,916 |
| Total domestic deposits to total assets | 86.9463% | 1,843 |
| Equity capital to assets | 12.5964% | 1,683 |
| Core capital (leverage) ratio | 12.3689% | 1,575 |
| Tier 1 risk-based capital ratio | 16.9265% | 2,126 |
| Total risk-based capital ratio | 18.1779% | 2,080 |
| Memoranda: | ||
| Average total assets | $176,421,000 | 3,126 |
| Average earning assets | $168,123,000 | 3,072 |
| Average equity | $23,238,500 | 2,863 |
| Average total loans | $110,652,000 | 3,157 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 2,208 |
| Cost of funding earning assets | 0.7061% | 2,056 |
| Net interest margin | 3.8701% | 2,429 |
| Noninterest income to average assets | 0.4627% | 3,033 |
| Noninterest expense to average assets | 2.5005% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3450% | 1,634 |
| Return on assets (ROA) | 1.3450% | 1,621 |
| Pretax return on assets | 1.6416% | 1,335 |
| Return on Equity (ROE) | 10.0382% | 2,502 |
| Retained earnings to average equity (ytd only) | 6.3935% | 1,976 |
| Net charge-offs to loans | -0.0782% | 5,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3686% | 3,794 |
| Assets per employee ($millions) | 6.1898% | 1,394 |
| Cash dividends to net income (ytd only)* | 36.3085% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 1,078 |
| Loan loss allowance to noncurrent loans | 584.1751% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 3,895 |
| Noncurrent loans to loans | 0.2697% | 3,611 |
| Net loans and leases to total assets | 62.5266% | 3,513 |
| Net loans and leases to deposits | 73.0321% | 3,583 |
| Net loans and leases to core deposits | 75.0809% | 3,779 |
| Total domestic deposits to total assets | 85.6152% | 2,389 |
| Equity capital to assets | 13.7686% | 1,041 |
| Core capital (leverage) ratio | 12.9820% | 1,262 |
| Tier 1 risk-based capital ratio | 18.3915% | 1,648 |
| Total risk-based capital ratio | 19.6427% | 1,597 |
| Memoranda: | ||
| Average total assets | $171,604,800 | 3,155 |
| Average earning assets | $163,147,400 | 3,103 |
| Average equity | $22,992,200 | 2,820 |
| Average total loans | $113,739,400 | 3,085 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5129% | 2,258 |
| Cost of funding earning assets | 0.6565% | 2,114 |
| Net interest margin | 3.8564% | 2,453 |
| Noninterest income to average assets | 0.4689% | 3,051 |
| Noninterest expense to average assets | 2.4956% | 3,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3405% | 1,702 |
| Return on assets (ROA) | 1.3405% | 1,712 |
| Pretax return on assets | 1.6380% | 1,452 |
| Return on Equity (ROE) | 10.0753% | 2,584 |
| Retained earnings to average equity (ytd only) | 6.4398% | 2,412 |
| Net charge-offs to loans | -0.0826% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3731% | 3,757 |
| Assets per employee ($millions) | 6.2038% | 1,348 |
| Cash dividends to net income (ytd only)* | 36.0837% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 1,388 |
| Loan loss allowance to noncurrent loans | 521.8845% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 3,992 |
| Noncurrent loans to loans | 0.2851% | 3,664 |
| Net loans and leases to total assets | 65.4558% | 3,247 |
| Net loans and leases to deposits | 75.8895% | 3,428 |
| Net loans and leases to core deposits | 78.1481% | 3,643 |
| Total domestic deposits to total assets | 86.2514% | 2,080 |
| Equity capital to assets | 13.1689% | 1,266 |
| Core capital (leverage) ratio | 13.4528% | 1,119 |
| Tier 1 risk-based capital ratio | 17.9968% | 1,799 |
| Total risk-based capital ratio | 19.2475% | 1,751 |
| Memoranda: | ||
| Average total assets | $171,177,250 | 3,185 |
| Average earning assets | $162,669,750 | 3,129 |
| Average equity | $22,774,500 | 2,849 |
| Average total loans | $114,648,500 | 3,085 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 2,262 |
| Cost of funding earning assets | 0.6147% | 2,138 |
| Net interest margin | 3.8343% | 2,432 |
| Noninterest income to average assets | 0.4885% | 2,929 |
| Noninterest expense to average assets | 2.4845% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3444% | 1,622 |
| Return on assets (ROA) | 1.3444% | 1,626 |
| Pretax return on assets | 1.6438% | 1,363 |
| Return on Equity (ROE) | 10.0699% | 2,532 |
| Retained earnings to average equity (ytd only) | 6.5169% | 2,305 |
| Net charge-offs to loans | -0.0647% | 5,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1820% | 3,910 |
| Assets per employee ($millions) | 6.2440% | 1,302 |
| Cash dividends to net income (ytd only)* | 35.2838% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,690 |
| Loan loss allowance to noncurrent loans | 570.5085% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 4,145 |
| Noncurrent loans to loans | 0.2485% | 3,810 |
| Net loans and leases to total assets | 66.9418% | 3,020 |
| Net loans and leases to deposits | 77.4943% | 3,203 |
| Net loans and leases to core deposits | 79.7730% | 3,438 |
| Total domestic deposits to total assets | 86.3828% | 2,106 |
| Equity capital to assets | 13.0841% | 1,261 |
| Core capital (leverage) ratio | 12.9806% | 1,223 |
| Tier 1 risk-based capital ratio | 17.3621% | 1,977 |
| Total risk-based capital ratio | 18.6122% | 1,934 |
| Memoranda: | ||
| Average total assets | $170,334,670 | 3,211 |
| Average earning assets | $161,700,330 | 3,167 |
| Average equity | $22,741,000 | 2,862 |
| Average total loans | $114,392,330 | 3,101 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 2,222 |
| Cost of funding earning assets | 0.5463% | 2,436 |
| Net interest margin | 3.8466% | 2,239 |
| Noninterest income to average assets | 0.4022% | 3,451 |
| Noninterest expense to average assets | 2.4535% | 3,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3136% | 1,597 |
| Return on assets (ROA) | 1.3136% | 1,604 |
| Pretax return on assets | 1.6016% | 1,392 |
| Return on Equity (ROE) | 9.7380% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.4567% | 2,525 |
| Net charge-offs to loans | -0.1069% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5047% | 4,003 |
| Assets per employee ($millions) | 5.9919% | 1,520 |
| Cash dividends to net income (ytd only)* | 33.6957% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 1,624 |
| Loan loss allowance to noncurrent loans | 570.0680% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 4,209 |
| Noncurrent loans to loans | 0.2558% | 3,845 |
| Net loans and leases to total assets | 67.4968% | 2,823 |
| Net loans and leases to deposits | 78.3736% | 2,977 |
| Net loans and leases to core deposits | 80.7718% | 3,263 |
| Total domestic deposits to total assets | 86.1218% | 2,493 |
| Equity capital to assets | 13.4067% | 1,070 |
| Core capital (leverage) ratio | 13.5171% | 1,005 |
| Tier 1 risk-based capital ratio | 17.7484% | 1,909 |
| Total risk-based capital ratio | 18.9998% | 1,854 |
| Memoranda: | ||
| Average total assets | $168,086,500 | 3,268 |
| Average earning assets | $159,620,500 | 3,224 |
| Average equity | $22,674,000 | 2,897 |
| Average total loans | $112,229,500 | 3,159 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 1,859 |
| Cost of funding earning assets | 0.4207% | 3,046 |
| Net interest margin | 4.0358% | 1,639 |
| Noninterest income to average assets | 0.4213% | 3,493 |
| Noninterest expense to average assets | 2.5141% | 3,734 |
| Loan and lease loss provision to assets | 0.0124% | 4,041 |
| Net operating income to assets | 1.1916% | 1,545 |
| Return on assets (ROA) | 1.2022% | 1,547 |
| Pretax return on assets | 1.7468% | 903 |
| Return on Equity (ROE) | 9.0830% | 2,279 |
| Retained earnings to average equity (ytd only) | 0.3134% | 4,901 |
| Net charge-offs to loans | 0.0405% | 2,977 |
| Credit loss provision to net charge-offs | 44.6809% | 3,390 |
| Earnings coverage of net charge-offs (x) | 62.6170% | 929 |
| Efficiency ratio | 59.0454% | 4,408 |
| Assets per employee ($millions) | 5.8069% | 1,650 |
| Cash dividends to net income (ytd only)* | 96.5500% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,399 |
| Loan loss allowance to noncurrent loans | 311.7424% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 3,629 |
| Noncurrent loans to loans | 0.4820% | 3,069 |
| Net loans and leases to total assets | 64.0710% | 3,357 |
| Net loans and leases to deposits | 76.2261% | 3,307 |
| Net loans and leases to core deposits | 78.6006% | 3,537 |
| Total domestic deposits to total assets | 84.0539% | 3,187 |
| Equity capital to assets | 13.5719% | 1,035 |
| Core capital (leverage) ratio | 12.8274% | 1,209 |
| Tier 1 risk-based capital ratio | 19.5521% | 1,405 |
| Total risk-based capital ratio | 20.8039% | 1,380 |
| Memoranda: | ||
| Average total assets | $168,767,000 | 3,261 |
| Average earning assets | $160,439,600 | 3,193 |
| Average equity | $22,338,400 | 2,918 |
| Average total loans | $116,124,600 | 3,105 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3656% | 2,056 |
| Cost of funding earning assets | 0.4082% | 3,108 |
| Net interest margin | 3.9574% | 1,840 |
| Noninterest income to average assets | 0.4043% | 3,657 |
| Noninterest expense to average assets | 2.4991% | 3,737 |
| Loan and lease loss provision to assets | 0.0166% | 3,814 |
| Net operating income to assets | 1.1817% | 1,769 |
| Return on assets (ROA) | 1.1962% | 1,742 |
| Pretax return on assets | 1.6755% | 1,182 |
| Return on Equity (ROE) | 9.0951% | 2,556 |
| Retained earnings to average equity (ytd only) | -1.5489% | 5,397 |
| Net charge-offs to loans | 0.0589% | 2,281 |
| Credit loss provision to net charge-offs | 40.3846% | 2,997 |
| Earnings coverage of net charge-offs (x) | 40.7125% | 1,282 |
| Efficiency ratio | 59.9205% | 4,232 |
| Assets per employee ($millions) | 5.7848% | 1,661 |
| Cash dividends to net income (ytd only)* | 117.0296% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 1,816 |
| Loan loss allowance to noncurrent loans | 53.7680% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 1.8431% | 736 |
| Noncurrent loans to loans | 2.6401% | 547 |
| Net loans and leases to total assets | 67.9302% | 2,854 |
| Net loans and leases to deposits | 79.5642% | 3,007 |
| Net loans and leases to core deposits | 82.0351% | 3,276 |
| Total domestic deposits to total assets | 85.3778% | 2,568 |
| Equity capital to assets | 13.4663% | 1,178 |
| Core capital (leverage) ratio | 13.0612% | 1,189 |
| Tier 1 risk-based capital ratio | 18.4744% | 1,736 |
| Total risk-based capital ratio | 19.7258% | 1,691 |
| Memoranda: | ||
| Average total assets | $168,859,000 | 3,288 |
| Average earning assets | $160,708,500 | 3,219 |
| Average equity | $22,209,250 | 2,954 |
| Average total loans | $117,770,500 | 3,113 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,025 |
| Cost of funding earning assets | 0.3822% | 3,268 |
| Net interest margin | 3.9507% | 1,772 |
| Noninterest income to average assets | 0.3841% | 3,800 |
| Noninterest expense to average assets | 2.4713% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1949% | 1,614 |
| Return on assets (ROA) | 1.1949% | 1,647 |
| Pretax return on assets | 1.6759% | 1,114 |
| Return on Equity (ROE) | 9.1568% | 2,434 |
| Retained earnings to average equity (ytd only) | -5.2169% | 5,541 |
| Net charge-offs to loans | 0.0878% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 27.2692% | 1,544 |
| Efficiency ratio | 59.5896% | 4,380 |
| Assets per employee ($millions) | 5.8824% | 1,548 |
| Cash dividends to net income (ytd only)* | 156.9733% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 2,078 |
| Loan loss allowance to noncurrent loans | 195.4162% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.4860% | 3,150 |
| Noncurrent loans to loans | 0.7023% | 2,645 |
| Net loans and leases to total assets | 68.2433% | 2,778 |
| Net loans and leases to deposits | 80.5721% | 2,852 |
| Net loans and leases to core deposits | 82.8962% | 3,182 |
| Total domestic deposits to total assets | 84.6985% | 2,937 |
| Equity capital to assets | 13.0898% | 1,330 |
| Core capital (leverage) ratio | 12.3158% | 1,465 |
| Tier 1 risk-based capital ratio | 18.0344% | 1,845 |
| Total risk-based capital ratio | 19.2855% | 1,800 |
| Memoranda: | ||
| Average total assets | $169,225,670 | 3,292 |
| Average earning assets | $161,184,670 | 3,225 |
| Average equity | $22,082,000 | 2,965 |
| Average total loans | $118,494,000 | 3,116 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 1,972 |
| Cost of funding earning assets | 0.3587% | 3,437 |
| Net interest margin | 3.9334% | 1,659 |
| Noninterest income to average assets | 0.3418% | 4,109 |
| Noninterest expense to average assets | 2.4848% | 3,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1487% | 1,676 |
| Return on assets (ROA) | 1.1487% | 1,712 |
| Pretax return on assets | 1.6043% | 1,226 |
| Return on Equity (ROE) | 8.8168% | 2,500 |
| Retained earnings to average equity (ytd only) | -16.9232% | 5,689 |
| Net charge-offs to loans | -0.0034% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7661% | 4,350 |
| Assets per employee ($millions) | 5.7517% | 1,689 |
| Cash dividends to net income (ytd only)* | 291.9421% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,945 |
| Loan loss allowance to noncurrent loans | 205.5283% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 3,199 |
| Noncurrent loans to loans | 0.6958% | 2,759 |
| Net loans and leases to total assets | 69.1299% | 2,513 |
| Net loans and leases to deposits | 79.6942% | 2,790 |
| Net loans and leases to core deposits | 81.9828% | 3,099 |
| Total domestic deposits to total assets | 86.7439% | 2,335 |
| Equity capital to assets | 12.9036% | 1,298 |
| Core capital (leverage) ratio | 12.5646% | 1,307 |
| Tier 1 risk-based capital ratio | 18.0914% | 1,841 |
| Total risk-based capital ratio | 19.3435% | 1,805 |
| Memoranda: | ||
| Average total assets | $168,543,000 | 3,327 |
| Average earning assets | $160,575,000 | 3,259 |
| Average equity | $21,958,000 | 2,990 |
| Average total loans | $118,722,500 | 3,127 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 2,096 |
| Cost of funding earning assets | 0.3182% | 3,863 |
| Net interest margin | 3.9978% | 1,632 |
| Noninterest income to average assets | 0.3600% | 4,162 |
| Noninterest expense to average assets | 2.4381% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2163% | 1,448 |
| Return on assets (ROA) | 1.2249% | 1,517 |
| Pretax return on assets | 1.7481% | 894 |
| Return on Equity (ROE) | 9.2450% | 2,289 |
| Retained earnings to average equity (ytd only) | 3.9222% | 3,135 |
| Net charge-offs to loans | 0.0464% | 3,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 53.7455% | 967 |
| Efficiency ratio | 58.4131% | 4,804 |
| Assets per employee ($millions) | 5.8720% | 1,566 |
| Cash dividends to net income (ytd only)* | 57.5743% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 2,133 |
| Loan loss allowance to noncurrent loans | 191.9633% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 3,219 |
| Noncurrent loans to loans | 0.7230% | 2,729 |
| Net loans and leases to total assets | 69.7599% | 2,520 |
| Net loans and leases to deposits | 81.8363% | 2,689 |
| Net loans and leases to core deposits | 84.3226% | 2,995 |
| Total domestic deposits to total assets | 85.2431% | 2,943 |
| Equity capital to assets | 13.1502% | 1,195 |
| Core capital (leverage) ratio | 12.6047% | 1,300 |
| Tier 1 risk-based capital ratio | 18.5100% | 1,724 |
| Total risk-based capital ratio | 19.7617% | 1,689 |
| Memoranda: | ||
| Average total assets | $170,295,200 | 3,286 |
| Average earning assets | $162,463,400 | 3,202 |
| Average equity | $22,563,600 | 2,939 |
| Average total loans | $118,591,800 | 3,089 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 2,144 |
| Cost of funding earning assets | 0.3166% | 3,909 |
| Net interest margin | 3.9891% | 1,692 |
| Noninterest income to average assets | 0.3664% | 4,157 |
| Noninterest expense to average assets | 2.4451% | 4,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2114% | 1,604 |
| Return on assets (ROA) | 1.2229% | 1,646 |
| Pretax return on assets | 1.7451% | 1,012 |
| Return on Equity (ROE) | 9.2125% | 2,393 |
| Retained earnings to average equity (ytd only) | 6.5231% | 1,897 |
| Net charge-offs to loans | 0.0181% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 138.0183% | 498 |
| Efficiency ratio | 58.5819% | 4,738 |
| Assets per employee ($millions) | 5.8602% | 1,540 |
| Cash dividends to net income (ytd only)* | 29.1932% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 2,177 |
| Loan loss allowance to noncurrent loans | 192.0314% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 3,359 |
| Noncurrent loans to loans | 0.7318% | 2,842 |
| Net loans and leases to total assets | 70.6346% | 2,402 |
| Net loans and leases to deposits | 82.5653% | 2,660 |
| Net loans and leases to core deposits | 84.8645% | 3,046 |
| Total domestic deposits to total assets | 85.5500% | 2,582 |
| Equity capital to assets | 13.4973% | 1,250 |
| Core capital (leverage) ratio | 12.8082% | 1,265 |
| Tier 1 risk-based capital ratio | 18.2398% | 1,853 |
| Total risk-based capital ratio | 19.4921% | 1,826 |
| Memoranda: | ||
| Average total assets | $170,297,250 | 3,297 |
| Average earning assets | $162,540,750 | 3,209 |
| Average equity | $22,606,250 | 2,956 |
| Average total loans | $118,123,750 | 3,102 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 2,168 |
| Cost of funding earning assets | 0.3197% | 3,900 |
| Net interest margin | 3.9771% | 1,712 |
| Noninterest income to average assets | 0.3591% | 4,199 |
| Noninterest expense to average assets | 2.4481% | 4,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1985% | 1,610 |
| Return on assets (ROA) | 1.2018% | 1,687 |
| Pretax return on assets | 1.7111% | 1,062 |
| Return on Equity (ROE) | 9.1040% | 2,452 |
| Retained earnings to average equity (ytd only) | 6.4635% | 1,886 |
| Net charge-offs to loans | 0.0428% | 2,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 58.1600% | 904 |
| Efficiency ratio | 58.9266% | 4,782 |
| Assets per employee ($millions) | 5.8742% | 1,495 |
| Cash dividends to net income (ytd only)* | 29.0039% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 2,217 |
| Loan loss allowance to noncurrent loans | 203.3453% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 3,425 |
| Noncurrent loans to loans | 0.6969% | 2,989 |
| Net loans and leases to total assets | 69.5030% | 2,552 |
| Net loans and leases to deposits | 82.4764% | 2,649 |
| Net loans and leases to core deposits | 84.9579% | 2,994 |
| Total domestic deposits to total assets | 84.2701% | 3,167 |
| Equity capital to assets | 13.5937% | 1,184 |
| Core capital (leverage) ratio | 12.3784% | 1,416 |
| Tier 1 risk-based capital ratio | 17.5272% | 2,061 |
| Total risk-based capital ratio | 18.7778% | 2,027 |
| Memoranda: | ||
| Average total assets | $170,414,670 | 3,304 |
| Average earning assets | $162,633,000 | 3,232 |
| Average equity | $22,495,670 | 2,971 |
| Average total loans | $116,914,670 | 3,129 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 2,247 |
| Cost of funding earning assets | 0.3101% | 4,061 |
| Net interest margin | 3.9570% | 1,759 |
| Noninterest income to average assets | 0.3051% | 4,542 |
| Noninterest expense to average assets | 2.3632% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1997% | 1,565 |
| Return on assets (ROA) | 1.2062% | 1,638 |
| Pretax return on assets | 1.7249% | 1,009 |
| Return on Equity (ROE) | 9.2759% | 2,294 |
| Retained earnings to average equity (ytd only) | 6.7674% | 1,996 |
| Net charge-offs to loans | -0.0069% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9402% | 5,008 |
| Assets per employee ($millions) | 5.8051% | 1,576 |
| Cash dividends to net income (ytd only)* | 27.0428% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 2,022 |
| Loan loss allowance to noncurrent loans | 163.6364% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6617% | 3,076 |
| Noncurrent loans to loans | 0.9119% | 2,571 |
| Net loans and leases to total assets | 67.7616% | 2,682 |
| Net loans and leases to deposits | 78.9677% | 2,897 |
| Net loans and leases to core deposits | 81.3231% | 3,197 |
| Total domestic deposits to total assets | 85.8092% | 2,763 |
| Equity capital to assets | 13.3633% | 1,236 |
| Core capital (leverage) ratio | 12.6107% | 1,298 |
| Tier 1 risk-based capital ratio | 18.0083% | 1,987 |
| Total risk-based capital ratio | 19.2603% | 1,952 |
| Memoranda: | ||
| Average total assets | $170,446,500 | 3,319 |
| Average earning assets | $162,547,000 | 3,250 |
| Average equity | $22,165,000 | 3,008 |
| Average total loans | $115,321,500 | 3,153 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,217 |
| Cost of funding earning assets | 0.3596% | 3,590 |
| Net interest margin | 3.9457% | 1,888 |
| Noninterest income to average assets | 0.3185% | 4,618 |
| Noninterest expense to average assets | 2.3776% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1398% | 1,772 |
| Return on assets (ROA) | 1.1398% | 1,836 |
| Pretax return on assets | 1.6926% | 1,012 |
| Return on Equity (ROE) | 8.8862% | 2,511 |
| Retained earnings to average equity (ytd only) | 6.6471% | 1,469 |
| Net charge-offs to loans | 0.0796% | 2,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 30.9560% | 1,419 |
| Efficiency ratio | 58.4145% | 5,097 |
| Assets per employee ($millions) | 5.9498% | 1,419 |
| Cash dividends to net income (ytd only)* | 25.1977% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,984 |
| Loan loss allowance to noncurrent loans | 166.6988% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6230% | 3,198 |
| Noncurrent loans to loans | 0.9021% | 2,535 |
| Net loans and leases to total assets | 65.5555% | 3,049 |
| Net loans and leases to deposits | 79.5863% | 2,872 |
| Net loans and leases to core deposits | 82.6033% | 3,085 |
| Total domestic deposits to total assets | 82.3703% | 4,064 |
| Equity capital to assets | 12.6536% | 1,530 |
| Core capital (leverage) ratio | 12.2552% | 1,478 |
| Tier 1 risk-based capital ratio | 17.6947% | 2,055 |
| Total risk-based capital ratio | 18.9464% | 2,008 |
| Memoranda: | ||
| Average total assets | $166,430,000 | 3,358 |
| Average earning assets | $158,247,800 | 3,275 |
| Average equity | $21,347,600 | 3,037 |
| Average total loans | $114,282,800 | 3,134 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3253% | 2,153 |
| Cost of funding earning assets | 0.3719% | 3,524 |
| Net interest margin | 3.9534% | 1,862 |
| Noninterest income to average assets | 0.3145% | 4,691 |
| Noninterest expense to average assets | 2.3933% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1182% | 1,930 |
| Return on assets (ROA) | 1.1182% | 2,004 |
| Pretax return on assets | 1.6769% | 1,171 |
| Return on Equity (ROE) | 8.6871% | 2,740 |
| Retained earnings to average equity (ytd only) | 6.4824% | 1,970 |
| Net charge-offs to loans | 0.1121% | 2,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 21.6036% | 1,815 |
| Efficiency ratio | 58.8002% | 5,031 |
| Assets per employee ($millions) | 5.7484% | 1,549 |
| Cash dividends to net income (ytd only)* | 25.3798% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 2,130 |
| Loan loss allowance to noncurrent loans | 185.1613% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 3,588 |
| Noncurrent loans to loans | 0.8134% | 2,933 |
| Net loans and leases to total assets | 67.5515% | 2,762 |
| Net loans and leases to deposits | 77.8528% | 3,111 |
| Net loans and leases to core deposits | 80.8000% | 3,360 |
| Total domestic deposits to total assets | 86.7682% | 2,155 |
| Equity capital to assets | 12.8593% | 1,526 |
| Core capital (leverage) ratio | 12.6849% | 1,326 |
| Tier 1 risk-based capital ratio | 18.0050% | 2,025 |
| Total risk-based capital ratio | 19.2569% | 1,995 |
| Memoranda: | ||
| Average total assets | $164,901,500 | 3,409 |
| Average earning assets | $156,655,000 | 3,338 |
| Average equity | $21,226,250 | 3,071 |
| Average total loans | $114,143,750 | 3,163 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 2,307 |
| Cost of funding earning assets | 0.3875% | 3,399 |
| Net interest margin | 3.8767% | 2,056 |
| Noninterest income to average assets | 0.2958% | 4,843 |
| Noninterest expense to average assets | 2.3944% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0529% | 2,130 |
| Return on assets (ROA) | 1.0529% | 2,240 |
| Pretax return on assets | 1.5788% | 1,394 |
| Return on Equity (ROE) | 8.1773% | 2,951 |
| Retained earnings to average equity (ytd only) | 6.0692% | 2,197 |
| Net charge-offs to loans | 0.1438% | 1,631 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.8171% | 1,949 |
| Efficiency ratio | 60.2635% | 4,942 |
| Assets per employee ($millions) | 5.7283% | 1,543 |
| Cash dividends to net income (ytd only)* | 25.7803% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 2,277 |
| Loan loss allowance to noncurrent loans | 141.9460% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 0.7609% | 3,102 |
| Noncurrent loans to loans | 1.0594% | 2,524 |
| Net loans and leases to total assets | 68.4499% | 2,577 |
| Net loans and leases to deposits | 79.1542% | 2,888 |
| Net loans and leases to core deposits | 82.2774% | 3,143 |
| Total domestic deposits to total assets | 86.4766% | 2,449 |
| Equity capital to assets | 12.6318% | 1,585 |
| Core capital (leverage) ratio | 12.0645% | 1,614 |
| Tier 1 risk-based capital ratio | 17.9307% | 2,080 |
| Total risk-based capital ratio | 19.1834% | 2,036 |
| Memoranda: | ||
| Average total assets | $164,300,670 | 3,430 |
| Average earning assets | $155,853,330 | 3,366 |
| Average equity | $21,156,000 | 3,096 |
| Average total loans | $114,080,670 | 3,177 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2542% | 2,259 |
| Cost of funding earning assets | 0.3870% | 3,445 |
| Net interest margin | 3.8672% | 2,007 |
| Noninterest income to average assets | 0.2546% | 5,138 |
| Noninterest expense to average assets | 2.3673% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0429% | 2,063 |
| Return on assets (ROA) | 1.0429% | 2,207 |
| Pretax return on assets | 1.5570% | 1,370 |
| Return on Equity (ROE) | 8.0218% | 2,947 |
| Retained earnings to average equity (ytd only) | 6.0635% | 2,459 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3244% | 5,050 |
| Assets per employee ($millions) | 5.5696% | 1,738 |
| Cash dividends to net income (ytd only)* | 24.4131% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 2,091 |
| Loan loss allowance to noncurrent loans | 126.1624% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8642% | 2,922 |
| Noncurrent loans to loans | 1.2590% | 2,271 |
| Net loans and leases to total assets | 67.4100% | 2,545 |
| Net loans and leases to deposits | 78.1237% | 2,784 |
| Net loans and leases to core deposits | 81.1870% | 3,037 |
| Total domestic deposits to total assets | 86.2863% | 2,776 |
| Equity capital to assets | 12.8687% | 1,468 |
| Core capital (leverage) ratio | 12.7673% | 1,247 |
| Tier 1 risk-based capital ratio | 17.9222% | 2,162 |
| Total risk-based capital ratio | 19.1755% | 2,122 |
| Memoranda: | ||
| Average total assets | $163,391,000 | 3,461 |
| Average earning assets | $155,046,000 | 3,391 |
| Average equity | $21,242,000 | 3,110 |
| Average total loans | $113,398,500 | 3,211 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 2,000 |
| Cost of funding earning assets | 0.5082% | 2,586 |
| Net interest margin | 3.9594% | 2,012 |
| Noninterest income to average assets | 0.3950% | 4,222 |
| Noninterest expense to average assets | 2.3915% | 4,867 |
| Loan and lease loss provision to assets | 0.0460% | 3,652 |
| Net operating income to assets | 1.1215% | 1,898 |
| Return on assets (ROA) | 1.1280% | 1,928 |
| Pretax return on assets | 1.7045% | 980 |
| Return on Equity (ROE) | 9.2740% | 2,456 |
| Retained earnings to average equity (ytd only) | 6.8534% | 1,476 |
| Net charge-offs to loans | 0.1539% | 2,501 |
| Credit loss provision to net charge-offs | 42.8571% | 3,617 |
| Earnings coverage of net charge-offs (x) | 16.2171% | 2,030 |
| Efficiency ratio | 57.8744% | 5,471 |
| Assets per employee ($millions) | 5.5103% | 1,763 |
| Cash dividends to net income (ytd only)* | 26.1011% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 2,036 |
| Loan loss allowance to noncurrent loans | 130.7914% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.9781% | 2,798 |
| Noncurrent loans to loans | 1.2373% | 2,381 |
| Net loans and leases to total assets | 69.1667% | 2,368 |
| Net loans and leases to deposits | 80.8691% | 2,614 |
| Net loans and leases to core deposits | 84.2117% | 2,879 |
| Total domestic deposits to total assets | 85.5292% | 3,064 |
| Equity capital to assets | 13.1303% | 1,303 |
| Core capital (leverage) ratio | 12.3598% | 1,417 |
| Tier 1 risk-based capital ratio | 18.2493% | 2,067 |
| Total risk-based capital ratio | 19.5032% | 2,023 |
| Memoranda: | ||
| Average total assets | $163,038,200 | 3,445 |
| Average earning assets | $153,888,400 | 3,381 |
| Average equity | $19,829,600 | 3,180 |
| Average total loans | $113,740,800 | 3,146 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 2,058 |
| Cost of funding earning assets | 0.5285% | 2,481 |
| Net interest margin | 3.9178% | 2,166 |
| Noninterest income to average assets | 0.3898% | 4,325 |
| Noninterest expense to average assets | 2.3517% | 4,961 |
| Loan and lease loss provision to assets | 0.0244% | 3,921 |
| Net operating income to assets | 1.1319% | 1,924 |
| Return on assets (ROA) | 1.1319% | 1,989 |
| Pretax return on assets | 1.7113% | 1,041 |
| Return on Equity (ROE) | 9.4907% | 2,453 |
| Retained earnings to average equity (ytd only) | 7.0754% | 1,781 |
| Net charge-offs to loans | 0.1367% | 2,428 |
| Credit loss provision to net charge-offs | 25.6410% | 3,513 |
| Earnings coverage of net charge-offs (x) | 18.2303% | 1,856 |
| Efficiency ratio | 57.5353% | 5,502 |
| Assets per employee ($millions) | 5.7732% | 1,506 |
| Cash dividends to net income (ytd only)* | 25.4494% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 2,274 |
| Loan loss allowance to noncurrent loans | 250.1366% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 4,147 |
| Noncurrent loans to loans | 0.6434% | 4,007 |
| Net loans and leases to total assets | 69.2488% | 2,315 |
| Net loans and leases to deposits | 81.6175% | 2,473 |
| Net loans and leases to core deposits | 85.0388% | 2,769 |
| Total domestic deposits to total assets | 84.8456% | 3,403 |
| Equity capital to assets | 12.6218% | 1,626 |
| Core capital (leverage) ratio | 12.2973% | 1,512 |
| Tier 1 risk-based capital ratio | 17.7102% | 2,314 |
| Total risk-based capital ratio | 18.9640% | 2,272 |
| Memoranda: | ||
| Average total assets | $163,848,250 | 3,460 |
| Average earning assets | $154,642,750 | 3,388 |
| Average equity | $19,541,500 | 3,219 |
| Average total loans | $114,089,750 | 3,165 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 2,335 |
| Cost of funding earning assets | 0.5365% | 2,473 |
| Net interest margin | 3.8237% | 2,471 |
| Noninterest income to average assets | 0.3840% | 4,375 |
| Noninterest expense to average assets | 2.3016% | 5,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1216% | 1,852 |
| Return on assets (ROA) | 1.1216% | 1,929 |
| Pretax return on assets | 1.6940% | 1,031 |
| Return on Equity (ROE) | 9.5875% | 2,332 |
| Retained earnings to average equity (ytd only) | 7.0010% | 1,777 |
| Net charge-offs to loans | 0.0963% | 2,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 25.3455% | 1,402 |
| Efficiency ratio | 57.6034% | 5,597 |
| Assets per employee ($millions) | 5.8996% | 1,353 |
| Cash dividends to net income (ytd only)* | 26.9772% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 2,446 |
| Loan loss allowance to noncurrent loans | 265.7632% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 4,224 |
| Noncurrent loans to loans | 0.6029% | 4,217 |
| Net loans and leases to total assets | 69.2530% | 2,193 |
| Net loans and leases to deposits | 81.5458% | 2,309 |
| Net loans and leases to core deposits | 84.8720% | 2,634 |
| Total domestic deposits to total assets | 84.9252% | 3,547 |
| Equity capital to assets | 12.0528% | 1,939 |
| Core capital (leverage) ratio | 11.7582% | 1,818 |
| Tier 1 risk-based capital ratio | 17.0914% | 2,583 |
| Total risk-based capital ratio | 18.3453% | 2,544 |
| Memoranda: | ||
| Average total assets | $164,581,330 | 3,470 |
| Average earning assets | $155,449,670 | 3,387 |
| Average equity | $19,254,330 | 3,247 |
| Average total loans | $114,196,000 | 3,171 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,474 |
| Cost of funding earning assets | 0.5494% | 2,425 |
| Net interest margin | 3.7630% | 2,624 |
| Noninterest income to average assets | 0.3458% | 4,606 |
| Noninterest expense to average assets | 2.3059% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0592% | 1,966 |
| Return on assets (ROA) | 1.0592% | 2,041 |
| Pretax return on assets | 1.5924% | 1,188 |
| Return on Equity (ROE) | 9.1935% | 2,379 |
| Retained earnings to average equity (ytd only) | 6.1501% | 2,457 |
| Net charge-offs to loans | 0.1944% | 1,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.8909% | 1,750 |
| Efficiency ratio | 59.1505% | 5,516 |
| Assets per employee ($millions) | 5.8051% | 1,452 |
| Cash dividends to net income (ytd only)* | 33.1034% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 2,402 |
| Loan loss allowance to noncurrent loans | 278.6248% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 4,331 |
| Noncurrent loans to loans | 0.6049% | 4,346 |
| Net loans and leases to total assets | 66.8963% | 2,411 |
| Net loans and leases to deposits | 78.6131% | 2,470 |
| Net loans and leases to core deposits | 82.1374% | 2,724 |
| Total domestic deposits to total assets | 85.0957% | 3,825 |
| Equity capital to assets | 11.8639% | 1,967 |
| Core capital (leverage) ratio | 12.1029% | 1,596 |
| Tier 1 risk-based capital ratio | 17.6185% | 2,442 |
| Total risk-based capital ratio | 18.8734% | 2,405 |
| Memoranda: | ||
| Average total assets | $164,277,000 | 3,493 |
| Average earning assets | $155,088,500 | 3,417 |
| Average equity | $18,926,500 | 3,288 |
| Average total loans | $113,163,000 | 3,200 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 2,612 |
| Cost of funding earning assets | 0.6123% | 2,550 |
| Net interest margin | 3.7803% | 2,724 |
| Noninterest income to average assets | 0.3453% | 4,850 |
| Noninterest expense to average assets | 2.2405% | 5,528 |
| Loan and lease loss provision to assets | 0.1780% | 2,079 |
| Net operating income to assets | 1.0063% | 2,299 |
| Return on assets (ROA) | 1.0170% | 2,316 |
| Pretax return on assets | 1.5291% | 1,355 |
| Return on Equity (ROE) | 9.1176% | 2,483 |
| Retained earnings to average equity (ytd only) | 5.3940% | 2,350 |
| Net charge-offs to loans | 0.2247% | 2,666 |
| Credit loss provision to net charge-offs | 114.9425% | 2,103 |
| Earnings coverage of net charge-offs (x) | 10.9195% | 2,300 |
| Efficiency ratio | 56.9876% | 5,853 |
| Assets per employee ($millions) | 5.5337% | 1,620 |
| Cash dividends to net income (ytd only)* | 40.8401% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 2,539 |
| Loan loss allowance to noncurrent loans | 232.8883% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6186% | 4,385 |
| Noncurrent loans to loans | 0.7120% | 4,182 |
| Net loans and leases to total assets | 68.5543% | 2,248 |
| Net loans and leases to deposits | 84.6904% | 1,837 |
| Net loans and leases to core deposits | 88.2451% | 2,220 |
| Total domestic deposits to total assets | 80.9469% | 5,196 |
| Equity capital to assets | 11.1855% | 2,440 |
| Core capital (leverage) ratio | 11.6538% | 1,854 |
| Tier 1 risk-based capital ratio | 16.6744% | 2,770 |
| Total risk-based capital ratio | 17.9295% | 2,727 |
| Memoranda: | ||
| Average total assets | $168,530,600 | 3,434 |
| Average earning assets | $159,881,400 | 3,346 |
| Average equity | $18,798,800 | 3,301 |
| Average total loans | $116,145,200 | 3,126 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 2,652 |
| Cost of funding earning assets | 0.6246% | 2,612 |
| Net interest margin | 3.7559% | 2,816 |
| Noninterest income to average assets | 0.3452% | 4,930 |
| Noninterest expense to average assets | 2.2085% | 5,587 |
| Loan and lease loss provision to assets | 0.2010% | 1,805 |
| Net operating income to assets | 1.0120% | 2,330 |
| Return on assets (ROA) | 1.0262% | 2,355 |
| Pretax return on assets | 1.5259% | 1,531 |
| Return on Equity (ROE) | 9.2063% | 2,536 |
| Retained earnings to average equity (ytd only) | 4.2920% | 3,624 |
| Net charge-offs to loans | 0.2936% | 2,070 |
| Credit loss provision to net charge-offs | 99.6094% | 2,397 |
| Earnings coverage of net charge-offs (x) | 8.4532% | 2,621 |
| Efficiency ratio | 56.4237% | 5,856 |
| Assets per employee ($millions) | 5.5144% | 1,609 |
| Cash dividends to net income (ytd only)* | 53.3791% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 2,921 |
| Loan loss allowance to noncurrent loans | 265.6294% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5247% | 4,867 |
| Noncurrent loans to loans | 0.6093% | 4,676 |
| Net loans and leases to total assets | 69.0056% | 2,143 |
| Net loans and leases to deposits | 81.6050% | 2,185 |
| Net loans and leases to core deposits | 84.8538% | 2,559 |
| Total domestic deposits to total assets | 84.5605% | 3,947 |
| Equity capital to assets | 11.1181% | 2,645 |
| Core capital (leverage) ratio | 11.4649% | 2,067 |
| Tier 1 risk-based capital ratio | 16.4162% | 2,980 |
| Total risk-based capital ratio | 17.6706% | 2,940 |
| Memoranda: | ||
| Average total assets | $169,160,750 | 3,461 |
| Average earning assets | $160,736,750 | 3,357 |
| Average equity | $18,856,250 | 3,329 |
| Average total loans | $116,250,000 | 3,139 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4333% | 2,446 |
| Cost of funding earning assets | 0.6443% | 2,552 |
| Net interest margin | 3.7891% | 2,597 |
| Noninterest income to average assets | 0.3228% | 5,126 |
| Noninterest expense to average assets | 2.1936% | 5,650 |
| Loan and lease loss provision to assets | 0.1937% | 1,962 |
| Net operating income to assets | 1.0339% | 2,189 |
| Return on assets (ROA) | 1.0551% | 2,212 |
| Pretax return on assets | 1.5704% | 1,443 |
| Return on Equity (ROE) | 9.4578% | 2,434 |
| Retained earnings to average equity (ytd only) | 4.4607% | 3,426 |
| Net charge-offs to loans | 0.3078% | 1,956 |
| Credit loss provision to net charge-offs | 92.1788% | 2,394 |
| Earnings coverage of net charge-offs (x) | 8.2458% | 2,435 |
| Efficiency ratio | 55.8744% | 5,978 |
| Assets per employee ($millions) | 5.5307% | 1,555 |
| Cash dividends to net income (ytd only)* | 52.8365% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 3,100 |
| Loan loss allowance to noncurrent loans | 261.5708% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5286% | 4,941 |
| Noncurrent loans to loans | 0.6167% | 4,713 |
| Net loans and leases to total assets | 68.5571% | 2,139 |
| Net loans and leases to deposits | 80.5521% | 2,246 |
| Net loans and leases to core deposits | 83.7191% | 2,595 |
| Total domestic deposits to total assets | 85.1091% | 3,839 |
| Equity capital to assets | 11.2584% | 2,515 |
| Core capital (leverage) ratio | 11.3535% | 2,054 |
| Tier 1 risk-based capital ratio | 16.0644% | 3,156 |
| Total risk-based capital ratio | 17.3183% | 3,096 |
| Memoranda: | ||
| Average total assets | $170,403,330 | 3,456 |
| Average earning assets | $162,045,670 | 3,357 |
| Average equity | $19,010,670 | 3,330 |
| Average total loans | $116,321,330 | 3,138 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 2,497 |
| Cost of funding earning assets | 0.6551% | 2,609 |
| Net interest margin | 3.7529% | 2,648 |
| Noninterest income to average assets | 0.3568% | 4,816 |
| Noninterest expense to average assets | 2.1895% | 5,721 |
| Loan and lease loss provision to assets | 0.2085% | 1,784 |
| Net operating income to assets | 1.0285% | 2,111 |
| Return on assets (ROA) | 1.0704% | 2,076 |
| Pretax return on assets | 1.5917% | 1,324 |
| Return on Equity (ROE) | 9.6370% | 2,217 |
| Retained earnings to average equity (ytd only) | 7.3425% | 2,005 |
| Net charge-offs to loans | 0.0617% | 3,199 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 41.6667% | 763 |
| Efficiency ratio | 55.7522% | 6,081 |
| Assets per employee ($millions) | 5.7408% | 1,447 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6549% | 3,181 |
| Loan loss allowance to noncurrent loans | 594.8171% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 5,613 |
| Noncurrent loans to loans | 0.2782% | 5,704 |
| Net loans and leases to total assets | 67.3183% | 2,137 |
| Net loans and leases to deposits | 79.5328% | 2,148 |
| Net loans and leases to core deposits | 82.8497% | 2,469 |
| Total domestic deposits to total assets | 84.6422% | 4,203 |
| Equity capital to assets | 11.1784% | 2,767 |
| Core capital (leverage) ratio | 10.9374% | 2,310 |
| Tier 1 risk-based capital ratio | 15.7554% | 3,397 |
| Total risk-based capital ratio | 17.0101% | 3,352 |
| Memoranda: | ||
| Average total assets | $172,645,000 | 3,458 |
| Average earning assets | $164,248,000 | 3,370 |
| Average equity | $19,176,000 | 3,353 |
| Average total loans | $116,674,500 | 3,149 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 3,736 |
| Cost of funding earning assets | 0.8048% | 2,627 |
| Net interest margin | 3.6144% | 4,024 |
| Noninterest income to average assets | 0.3227% | 5,153 |
| Noninterest expense to average assets | 2.1218% | 6,079 |
| Loan and lease loss provision to assets | 0.2836% | 2,388 |
| Net operating income to assets | 0.9235% | 2,687 |
| Return on assets (ROA) | 0.9251% | 2,922 |
| Pretax return on assets | 1.3584% | 2,182 |
| Return on Equity (ROE) | 8.0725% | 3,054 |
| Retained earnings to average equity (ytd only) | -7.4736% | 6,552 |
| Net charge-offs to loans | 0.3739% | 2,764 |
| Credit loss provision to net charge-offs | 118.2033% | 2,431 |
| Earnings coverage of net charge-offs (x) | 6.8345% | 2,726 |
| Efficiency ratio | 56.4083% | 6,016 |
| Assets per employee ($millions) | 5.7688% | 1,451 |
| Cash dividends to net income (ytd only)* | 192.5812% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 3,193 |
| Loan loss allowance to noncurrent loans | 557.5668% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 5,382 |
| Noncurrent loans to loans | 0.2919% | 5,750 |
| Net loans and leases to total assets | 65.6285% | 2,584 |
| Net loans and leases to deposits | 83.0785% | 1,874 |
| Net loans and leases to core deposits | 86.5451% | 2,245 |
| Total domestic deposits to total assets | 78.9958% | 5,892 |
| Equity capital to assets | 11.0363% | 2,902 |
| Core capital (leverage) ratio | 10.6921% | 2,552 |
| Tier 1 risk-based capital ratio | 15.6466% | 3,352 |
| Total risk-based capital ratio | 16.9012% | 3,303 |
| Memoranda: | ||
| Average total assets | $176,311,800 | 3,357 |
| Average earning assets | $167,745,400 | 3,258 |
| Average equity | $20,204,400 | 3,181 |
| Average total loans | $113,146,600 | 3,224 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 4,011 |
| Cost of funding earning assets | 0.8352% | 2,668 |
| Net interest margin | 3.5731% | 4,344 |
| Noninterest income to average assets | 0.3297% | 5,160 |
| Noninterest expense to average assets | 2.0987% | 6,169 |
| Loan and lease loss provision to assets | 0.3162% | 2,091 |
| Net operating income to assets | 0.8922% | 3,022 |
| Return on assets (ROA) | 0.8943% | 3,241 |
| Pretax return on assets | 1.3188% | 2,528 |
| Return on Equity (ROE) | 7.7340% | 3,406 |
| Retained earnings to average equity (ytd only) | -2.8514% | 6,469 |
| Net charge-offs to loans | 0.4276% | 2,386 |
| Credit loss provision to net charge-offs | 116.3435% | 2,499 |
| Earnings coverage of net charge-offs (x) | 6.0055% | 2,871 |
| Efficiency ratio | 56.2550% | 6,026 |
| Assets per employee ($millions) | 5.9488% | 1,282 |
| Cash dividends to net income (ytd only)* | 136.8690% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6348% | 3,392 |
| Loan loss allowance to noncurrent loans | 271.6788% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 5,068 |
| Noncurrent loans to loans | 0.6017% | 5,235 |
| Net loans and leases to total assets | 62.7452% | 3,252 |
| Net loans and leases to deposits | 76.7707% | 2,860 |
| Net loans and leases to core deposits | 79.2062% | 3,301 |
| Total domestic deposits to total assets | 81.7307% | 5,112 |
| Equity capital to assets | 11.3816% | 2,871 |
| Core capital (leverage) ratio | 10.9801% | 2,405 |
| Tier 1 risk-based capital ratio | 16.7134% | 2,892 |
| Total risk-based capital ratio | 17.9677% | 2,850 |
| Memoranda: | ||
| Average total assets | $177,123,500 | 3,392 |
| Average earning assets | $168,587,500 | 3,281 |
| Average equity | $20,480,500 | 3,174 |
| Average total loans | $112,568,500 | 3,267 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 4,068 |
| Cost of funding earning assets | 0.8742% | 2,611 |
| Net interest margin | 3.5551% | 4,442 |
| Noninterest income to average assets | 0.3487% | 5,049 |
| Noninterest expense to average assets | 2.1033% | 6,226 |
| Loan and lease loss provision to assets | 0.3396% | 1,942 |
| Net operating income to assets | 0.8739% | 3,025 |
| Return on assets (ROA) | 0.8739% | 3,285 |
| Pretax return on assets | 1.2894% | 2,601 |
| Return on Equity (ROE) | 7.5183% | 3,500 |
| Retained earnings to average equity (ytd only) | -8.3266% | 6,783 |
| Net charge-offs to loans | 0.5439% | 1,963 |
| Credit loss provision to net charge-offs | 98.3607% | 2,819 |
| Earnings coverage of net charge-offs (x) | 4.7180% | 3,005 |
| Efficiency ratio | 56.3543% | 6,081 |
| Assets per employee ($millions) | 5.9463% | 1,274 |
| Cash dividends to net income (ytd only)* | 210.7513% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 3,715 |
| Loan loss allowance to noncurrent loans | 188.3648% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 4,819 |
| Noncurrent loans to loans | 0.8319% | 4,853 |
| Net loans and leases to total assets | 63.2761% | 3,185 |
| Net loans and leases to deposits | 79.8513% | 2,403 |
| Net loans and leases to core deposits | 82.4461% | 2,909 |
| Total domestic deposits to total assets | 79.2424% | 5,912 |
| Equity capital to assets | 11.1398% | 2,977 |
| Core capital (leverage) ratio | 10.7480% | 2,544 |
| Tier 1 risk-based capital ratio | 16.1641% | 3,085 |
| Total risk-based capital ratio | 17.4173% | 3,045 |
| Memoranda: | ||
| Average total assets | $176,677,000 | 3,415 |
| Average earning assets | $168,154,000 | 3,290 |
| Average equity | $20,536,670 | 3,162 |
| Average total loans | $112,145,330 | 3,288 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 4,227 |
| Cost of funding earning assets | 0.9245% | 2,482 |
| Net interest margin | 3.4996% | 4,703 |
| Noninterest income to average assets | 0.3458% | 5,097 |
| Noninterest expense to average assets | 2.1385% | 6,179 |
| Loan and lease loss provision to assets | 0.4095% | 1,539 |
| Net operating income to assets | 0.7735% | 3,513 |
| Return on assets (ROA) | 0.7735% | 3,748 |
| Pretax return on assets | 1.1307% | 3,197 |
| Return on Equity (ROE) | 6.5168% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.5168% | 2,678 |
| Net charge-offs to loans | 0.3716% | 2,196 |
| Credit loss provision to net charge-offs | 174.7573% | 1,464 |
| Earnings coverage of net charge-offs (x) | 6.5728% | 2,184 |
| Efficiency ratio | 58.1323% | 5,898 |
| Assets per employee ($millions) | 5.8879% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 3,444 |
| Loan loss allowance to noncurrent loans | 150.8026% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 4,903 |
| Noncurrent loans to loans | 1.1108% | 4,473 |
| Net loans and leases to total assets | 62.4373% | 3,164 |
| Net loans and leases to deposits | 79.0255% | 2,340 |
| Net loans and leases to core deposits | 82.4146% | 2,770 |
| Total domestic deposits to total assets | 79.0090% | 6,068 |
| Equity capital to assets | 11.8802% | 2,126 |
| Core capital (leverage) ratio | 11.4839% | 1,903 |
| Tier 1 risk-based capital ratio | 17.6414% | 2,428 |
| Total risk-based capital ratio | 18.8964% | 2,396 |
| Memoranda: | ||
| Average total assets | $175,821,500 | 3,441 |
| Average earning assets | $167,447,500 | 3,325 |
| Average equity | $20,869,000 | 3,121 |
| Average total loans | $110,881,000 | 3,328 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 3,588 |
| Cost of funding earning assets | 1.1675% | 2,233 |
| Net interest margin | 3.6826% | 4,377 |
| Noninterest income to average assets | 0.3020% | 5,373 |
| Noninterest expense to average assets | 2.0425% | 6,599 |
| Loan and lease loss provision to assets | 0.3963% | 2,618 |
| Net operating income to assets | 0.9126% | 2,546 |
| Return on assets (ROA) | 0.9126% | 2,667 |
| Pretax return on assets | 1.3611% | 1,909 |
| Return on Equity (ROE) | 7.3049% | 3,242 |
| Retained earnings to average equity (ytd only) | 0.9852% | 5,398 |
| Net charge-offs to loans | 0.4352% | 3,259 |
| Credit loss provision to net charge-offs | 133.6032% | 2,270 |
| Earnings coverage of net charge-offs (x) | 5.9251% | 2,643 |
| Efficiency ratio | 53.7526% | 6,537 |
| Assets per employee ($millions) | 5.8335% | 1,343 |
| Cash dividends to net income (ytd only)* | 86.5132% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 3,401 |
| Loan loss allowance to noncurrent loans | 135.3869% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.9217% | 4,768 |
| Noncurrent loans to loans | 1.2145% | 4,338 |
| Net loans and leases to total assets | 61.5942% | 3,681 |
| Net loans and leases to deposits | 77.8795% | 2,863 |
| Net loans and leases to core deposits | 80.7704% | 3,348 |
| Total domestic deposits to total assets | 79.0892% | 5,975 |
| Equity capital to assets | 11.8585% | 2,227 |
| Core capital (leverage) ratio | 11.2041% | 2,113 |
| Tier 1 risk-based capital ratio | 18.0459% | 2,176 |
| Total risk-based capital ratio | 19.2977% | 2,151 |
| Memoranda: | ||
| Average total assets | $166,559,000 | 3,546 |
| Average earning assets | $158,204,800 | 3,438 |
| Average equity | $20,808,000 | 3,032 |
| Average total loans | $113,498,400 | 3,302 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 3,432 |
| Cost of funding earning assets | 1.2108% | 2,250 |
| Net interest margin | 3.7179% | 4,256 |
| Noninterest income to average assets | 0.2886% | 5,548 |
| Noninterest expense to average assets | 2.0318% | 6,630 |
| Loan and lease loss provision to assets | 0.3892% | 2,524 |
| Net operating income to assets | 0.9300% | 2,620 |
| Return on assets (ROA) | 0.9300% | 2,775 |
| Pretax return on assets | 1.3978% | 1,949 |
| Return on Equity (ROE) | 7.3447% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.3447% | 1,792 |
| Net charge-offs to loans | 0.3541% | 3,322 |
| Credit loss provision to net charge-offs | 157.8947% | 1,966 |
| Earnings coverage of net charge-offs (x) | 7.2500% | 2,388 |
| Efficiency ratio | 53.2059% | 6,575 |
| Assets per employee ($millions) | 5.9467% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 3,599 |
| Loan loss allowance to noncurrent loans | 107.6055% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1551% | 4,478 |
| Noncurrent loans to loans | 1.4989% | 4,043 |
| Net loans and leases to total assets | 64.0569% | 3,297 |
| Net loans and leases to deposits | 81.8082% | 2,395 |
| Net loans and leases to core deposits | 84.9257% | 2,922 |
| Total domestic deposits to total assets | 78.3013% | 6,135 |
| Equity capital to assets | 12.5599% | 1,877 |
| Core capital (leverage) ratio | 11.9086% | 1,762 |
| Tier 1 risk-based capital ratio | 18.0875% | 2,219 |
| Total risk-based capital ratio | 19.2855% | 2,199 |
| Memoranda: | ||
| Average total assets | $164,447,500 | 3,597 |
| Average earning assets | $156,142,750 | 3,500 |
| Average equity | $20,821,750 | 3,035 |
| Average total loans | $114,474,250 | 3,310 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9896% | 3,202 |
| Cost of funding earning assets | 1.2578% | 2,201 |
| Net interest margin | 3.7318% | 4,111 |
| Noninterest income to average assets | 0.3227% | 5,313 |
| Noninterest expense to average assets | 2.0720% | 6,648 |
| Loan and lease loss provision to assets | 0.4451% | 2,208 |
| Net operating income to assets | 0.8988% | 2,647 |
| Return on assets (ROA) | 0.8988% | 2,756 |
| Pretax return on assets | 1.3488% | 1,969 |
| Return on Equity (ROE) | 7.0781% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.0781% | 1,846 |
| Net charge-offs to loans | 0.2830% | 3,464 |
| Credit loss provision to net charge-offs | 220.8589% | 1,354 |
| Earnings coverage of net charge-offs (x) | 8.9018% | 1,989 |
| Efficiency ratio | 53.5977% | 6,660 |
| Assets per employee ($millions) | 5.8281% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 3,701 |
| Loan loss allowance to noncurrent loans | 120.5128% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 4,640 |
| Noncurrent loans to loans | 1.3252% | 4,438 |
| Net loans and leases to total assets | 66.8242% | 2,856 |
| Net loans and leases to deposits | 85.3721% | 1,883 |
| Net loans and leases to core deposits | 88.3168% | 2,596 |
| Total domestic deposits to total assets | 78.2741% | 6,236 |
| Equity capital to assets | 12.4770% | 1,792 |
| Core capital (leverage) ratio | 11.8451% | 1,692 |
| Tier 1 risk-based capital ratio | 17.6974% | 2,267 |
| Total risk-based capital ratio | 18.8995% | 2,258 |
| Memoranda: | ||
| Average total assets | $161,779,000 | 3,656 |
| Average earning assets | $153,600,000 | 3,568 |
| Average equity | $20,542,330 | 3,059 |
| Average total loans | $115,206,000 | 3,337 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 2,723 |
| Cost of funding earning assets | 1.3396% | 1,953 |
| Net interest margin | 3.7438% | 3,878 |
| Noninterest income to average assets | 0.3617% | 5,021 |
| Noninterest expense to average assets | 2.1118% | 6,606 |
| Loan and lease loss provision to assets | 0.4552% | 1,935 |
| Net operating income to assets | 0.8953% | 2,586 |
| Return on assets (ROA) | 0.8953% | 2,645 |
| Pretax return on assets | 1.3429% | 1,903 |
| Return on Equity (ROE) | 6.9859% | 3,387 |
| Retained earnings to average equity (ytd only) | 6.9859% | 2,150 |
| Net charge-offs to loans | 0.3396% | 2,698 |
| Credit loss provision to net charge-offs | 183.6735% | 1,595 |
| Earnings coverage of net charge-offs (x) | 7.2551% | 1,974 |
| Efficiency ratio | 54.0103% | 6,697 |
| Assets per employee ($millions) | 5.6882% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 4,266 |
| Loan loss allowance to noncurrent loans | 101.1772% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 4,404 |
| Noncurrent loans to loans | 1.4715% | 4,261 |
| Net loans and leases to total assets | 68.9503% | 2,336 |
| Net loans and leases to deposits | 85.6946% | 1,779 |
| Net loans and leases to core deposits | 88.9385% | 2,488 |
| Total domestic deposits to total assets | 80.4605% | 5,825 |
| Equity capital to assets | 12.4032% | 1,679 |
| Core capital (leverage) ratio | 11.8204% | 1,663 |
| Tier 1 risk-based capital ratio | 17.3224% | 2,369 |
| Total risk-based capital ratio | 18.5299% | 2,357 |
| Memoranda: | ||
| Average total assets | $158,161,000 | 3,737 |
| Average earning assets | $149,900,000 | 3,642 |
| Average equity | $20,269,500 | 3,074 |
| Average total loans | $115,421,000 | 3,357 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3031% | 3,116 |
| Cost of funding earning assets | 1.9817% | 647 |
| Net interest margin | 3.3215% | 5,902 |
| Noninterest income to average assets | 0.3350% | 5,391 |
| Noninterest expense to average assets | 2.0487% | 6,945 |
| Loan and lease loss provision to assets | 0.4613% | 3,361 |
| Net operating income to assets | 0.7488% | 3,002 |
| Return on assets (ROA) | 0.7764% | 3,023 |
| Pretax return on assets | 1.0071% | 2,912 |
| Return on Equity (ROE) | 6.0107% | 3,601 |
| Retained earnings to average equity (ytd only) | 1.0514% | 5,015 |
| Net charge-offs to loans | 0.5133% | 3,562 |
| Credit loss provision to net charge-offs | 122.2411% | 3,420 |
| Earnings coverage of net charge-offs (x) | 3.7963% | 3,185 |
| Efficiency ratio | 58.8517% | 6,226 |
| Assets per employee ($millions) | 5.2194% | 1,838 |
| Cash dividends to net income (ytd only)* | 82.5083% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 4,434 |
| Loan loss allowance to noncurrent loans | 98.7923% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.4013% | 4,241 |
| Noncurrent loans to loans | 1.4352% | 4,335 |
| Net loans and leases to total assets | 75.1486% | 1,444 |
| Net loans and leases to deposits | 101.6742% | 497 |
| Net loans and leases to core deposits | 107.6976% | 1,078 |
| Total domestic deposits to total assets | 73.9112% | 6,906 |
| Equity capital to assets | 13.2654% | 1,271 |
| Core capital (leverage) ratio | 12.7118% | 1,237 |
| Tier 1 risk-based capital ratio | 17.7407% | 2,080 |
| Total risk-based capital ratio | 18.9934% | 2,044 |
| Memoranda: | ||
| Average total assets | $156,096,400 | 3,774 |
| Average earning assets | $147,855,800 | 3,663 |
| Average equity | $20,164,000 | 3,126 |
| Average total loans | $114,742,200 | 3,432 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 3,366 |
| Cost of funding earning assets | 2.0906% | 556 |
| Net interest margin | 3.2079% | 6,317 |
| Noninterest income to average assets | 0.3069% | 5,700 |
| Noninterest expense to average assets | 1.9498% | 7,135 |
| Loan and lease loss provision to assets | 0.4578% | 3,185 |
| Net operating income to assets | 0.7307% | 3,280 |
| Return on assets (ROA) | 0.7307% | 3,436 |
| Pretax return on assets | 0.9393% | 3,411 |
| Return on Equity (ROE) | 5.6938% | 3,962 |
| Retained earnings to average equity (ytd only) | -0.9116% | 5,997 |
| Net charge-offs to loans | 0.4375% | 3,547 |
| Credit loss provision to net charge-offs | 143.6170% | 2,737 |
| Earnings coverage of net charge-offs (x) | 4.3830% | 3,072 |
| Efficiency ratio | 58.2573% | 6,230 |
| Assets per employee ($millions) | 5.5465% | 1,592 |
| Cash dividends to net income (ytd only)* | 116.0097% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 4,328 |
| Loan loss allowance to noncurrent loans | 92.2099% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2994% | 4,545 |
| Noncurrent loans to loans | 1.5466% | 4,314 |
| Net loans and leases to total assets | 74.2828% | 1,743 |
| Net loans and leases to deposits | 100.3104% | 638 |
| Net loans and leases to core deposits | 105.5279% | 1,359 |
| Total domestic deposits to total assets | 74.0530% | 6,918 |
| Equity capital to assets | 12.8621% | 1,653 |
| Core capital (leverage) ratio | 12.2775% | 1,520 |
| Tier 1 risk-based capital ratio | 17.5851% | 2,145 |
| Total risk-based capital ratio | 18.8385% | 2,117 |
| Memoranda: | ||
| Average total assets | $157,279,500 | 3,809 |
| Average earning assets | $149,046,750 | 3,703 |
| Average equity | $20,185,250 | 3,167 |
| Average total loans | $114,581,750 | 3,490 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2816% | 3,555 |
| Cost of funding earning assets | 2.1789% | 500 |
| Net interest margin | 3.1026% | 6,606 |
| Noninterest income to average assets | 0.2862% | 5,855 |
| Noninterest expense to average assets | 1.9235% | 7,225 |
| Loan and lease loss provision to assets | 0.4559% | 3,042 |
| Net operating income to assets | 0.6699% | 3,529 |
| Return on assets (ROA) | 0.6699% | 3,676 |
| Pretax return on assets | 0.8459% | 3,722 |
| Return on Equity (ROE) | 5.2233% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.2233% | 2,760 |
| Net charge-offs to loans | 0.2918% | 3,870 |
| Credit loss provision to net charge-offs | 216.8675% | 1,802 |
| Earnings coverage of net charge-offs (x) | 6.1928% | 2,508 |
| Efficiency ratio | 59.6388% | 6,112 |
| Assets per employee ($millions) | 5.5683% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 4,081 |
| Loan loss allowance to noncurrent loans | 125.7587% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 5,059 |
| Noncurrent loans to loans | 1.1667% | 5,006 |
| Net loans and leases to total assets | 73.1797% | 2,116 |
| Net loans and leases to deposits | 103.6718% | 500 |
| Net loans and leases to core deposits | 108.7675% | 1,245 |
| Total domestic deposits to total assets | 70.5879% | 7,291 |
| Equity capital to assets | 13.2087% | 1,471 |
| Core capital (leverage) ratio | 12.6355% | 1,353 |
| Tier 1 risk-based capital ratio | 18.3299% | 1,871 |
| Total risk-based capital ratio | 19.5840% | 1,842 |
| Memoranda: | ||
| Average total assets | $157,939,000 | 3,829 |
| Average earning assets | $149,614,670 | 3,712 |
| Average equity | $20,255,330 | 3,141 |
| Average total loans | $113,765,330 | 3,543 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 3,984 |
| Cost of funding earning assets | 2.2726% | 465 |
| Net interest margin | 2.9336% | 6,963 |
| Noninterest income to average assets | 0.3146% | 5,637 |
| Noninterest expense to average assets | 1.9176% | 7,305 |
| Loan and lease loss provision to assets | 0.4530% | 2,701 |
| Net operating income to assets | 0.5159% | 4,314 |
| Return on assets (ROA) | 0.5159% | 4,458 |
| Pretax return on assets | 0.7247% | 4,150 |
| Return on Equity (ROE) | 4.0824% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.0824% | 3,700 |
| Net charge-offs to loans | 0.2838% | 3,274 |
| Credit loss provision to net charge-offs | 225.0000% | 1,681 |
| Earnings coverage of net charge-offs (x) | 5.8500% | 2,325 |
| Efficiency ratio | 61.9512% | 5,840 |
| Assets per employee ($millions) | 5.5594% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 4,266 |
| Loan loss allowance to noncurrent loans | 78.7151% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.5418% | 4,191 |
| Noncurrent loans to loans | 1.8163% | 4,038 |
| Net loans and leases to total assets | 71.0863% | 2,680 |
| Net loans and leases to deposits | 100.9212% | 700 |
| Net loans and leases to core deposits | 104.4161% | 1,703 |
| Total domestic deposits to total assets | 70.4374% | 7,381 |
| Equity capital to assets | 12.9742% | 1,538 |
| Core capital (leverage) ratio | 12.4109% | 1,445 |
| Tier 1 risk-based capital ratio | 18.3628% | 1,856 |
| Total risk-based capital ratio | 19.6160% | 1,826 |
| Memoranda: | ||
| Average total assets | $158,952,500 | 3,864 |
| Average earning assets | $150,667,500 | 3,743 |
| Average equity | $20,086,000 | 3,198 |
| Average total loans | $112,750,500 | 3,633 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5075% | 4,107 |
| Cost of funding earning assets | 2.5481% | 900 |
| Net interest margin | 2.9594% | 6,734 |
| Noninterest income to average assets | 0.2974% | 5,975 |
| Noninterest expense to average assets | 1.8974% | 7,512 |
| Loan and lease loss provision to assets | 0.3406% | 4,758 |
| Net operating income to assets | 0.7139% | 2,877 |
| Return on assets (ROA) | 0.7443% | 2,837 |
| Pretax return on assets | 0.9104% | 2,892 |
| Return on Equity (ROE) | 6.1354% | 3,160 |
| Retained earnings to average equity (ytd only) | 1.1228% | 4,261 |
| Net charge-offs to loans | 0.3763% | 4,324 |
| Credit loss provision to net charge-offs | 130.8411% | 3,881 |
| Earnings coverage of net charge-offs (x) | 4.6636% | 2,860 |
| Efficiency ratio | 60.9851% | 6,334 |
| Assets per employee ($millions) | 6.0090% | 1,241 |
| Cash dividends to net income (ytd only)* | 81.6993% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,595 |
| Loan loss allowance to noncurrent loans | 89.3175% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.3073% | 4,471 |
| Noncurrent loans to loans | 1.4880% | 4,436 |
| Net loans and leases to total assets | 68.8700% | 3,519 |
| Net loans and leases to deposits | 100.3611% | 870 |
| Net loans and leases to core deposits | 129.2164% | 1,324 |
| Total domestic deposits to total assets | 68.6222% | 7,510 |
| Equity capital to assets | 12.3125% | 1,845 |
| Core capital (leverage) ratio | 11.7500% | 1,785 |
| Tier 1 risk-based capital ratio | 17.8043% | 1,946 |
| Total risk-based capital ratio | 19.0563% | 1,898 |
| Memoranda: | ||
| Average total assets | $164,439,200 | 3,693 |
| Average earning assets | $156,350,800 | 3,589 |
| Average equity | $19,949,800 | 3,210 |
| Average total loans | $113,732,200 | 3,616 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 4,279 |
| Cost of funding earning assets | 2.5793% | 1,076 |
| Net interest margin | 2.9497% | 6,732 |
| Noninterest income to average assets | 0.2966% | 6,101 |
| Noninterest expense to average assets | 1.8926% | 7,558 |
| Loan and lease loss provision to assets | 0.2828% | 4,716 |
| Net operating income to assets | 0.7304% | 3,096 |
| Return on assets (ROA) | 0.7693% | 3,002 |
| Pretax return on assets | 0.9762% | 2,971 |
| Return on Equity (ROE) | 6.3646% | 3,370 |
| Retained earnings to average equity (ytd only) | -0.3209% | 5,294 |
| Net charge-offs to loans | 0.3794% | 3,753 |
| Credit loss provision to net charge-offs | 108.0247% | 4,702 |
| Earnings coverage of net charge-offs (x) | 4.6204% | 3,072 |
| Efficiency ratio | 61.0055% | 6,275 |
| Assets per employee ($millions) | 6.0354% | 1,199 |
| Cash dividends to net income (ytd only)* | 105.0421% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 5,095 |
| Loan loss allowance to noncurrent loans | 93.7040% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0770% | 4,922 |
| Noncurrent loans to loans | 1.2823% | 4,796 |
| Net loans and leases to total assets | 70.5904% | 3,364 |
| Net loans and leases to deposits | 98.9293% | 1,222 |
| Net loans and leases to core deposits | 129.5799% | 1,458 |
| Total domestic deposits to total assets | 71.3544% | 7,295 |
| Equity capital to assets | 12.1646% | 2,148 |
| Core capital (leverage) ratio | 11.6566% | 1,988 |
| Tier 1 risk-based capital ratio | 17.4265% | 2,137 |
| Total risk-based capital ratio | 18.6768% | 2,095 |
| Memoranda: | ||
| Average total assets | $164,988,500 | 3,707 |
| Average earning assets | $156,938,750 | 3,601 |
| Average equity | $19,943,250 | 3,244 |
| Average total loans | $113,855,000 | 3,639 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5772% | 4,177 |
| Cost of funding earning assets | 2.5963% | 1,296 |
| Net interest margin | 2.9809% | 6,607 |
| Noninterest income to average assets | 0.3006% | 6,113 |
| Noninterest expense to average assets | 1.9352% | 7,579 |
| Loan and lease loss provision to assets | 0.2535% | 4,545 |
| Net operating income to assets | 0.7466% | 3,057 |
| Return on assets (ROA) | 0.7666% | 3,087 |
| Pretax return on assets | 0.9718% | 3,106 |
| Return on Equity (ROE) | 6.3553% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.3553% | 1,862 |
| Net charge-offs to loans | 0.0248% | 6,139 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 531 |
| Efficiency ratio | 61.7251% | 6,285 |
| Assets per employee ($millions) | 5.9372% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 3,861 |
| Loan loss allowance to noncurrent loans | 107.0990% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0505% | 4,867 |
| Noncurrent loans to loans | 1.2843% | 4,630 |
| Net loans and leases to total assets | 70.1800% | 3,659 |
| Net loans and leases to deposits | 97.8985% | 1,533 |
| Net loans and leases to core deposits | 124.3446% | 1,996 |
| Total domestic deposits to total assets | 71.6865% | 7,279 |
| Equity capital to assets | 12.6765% | 1,846 |
| Core capital (leverage) ratio | 12.4082% | 1,649 |
| Tier 1 risk-based capital ratio | 18.8902% | 1,799 |
| Total risk-based capital ratio | 20.1429% | 1,755 |
| Memoranda: | ||
| Average total assets | $165,665,670 | 3,712 |
| Average earning assets | $157,534,330 | 3,606 |
| Average equity | $19,983,330 | 3,246 |
| Average total loans | $112,996,330 | 3,701 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6543% | 4,024 |
| Cost of funding earning assets | 2.5960% | 1,579 |
| Net interest margin | 3.0583% | 6,308 |
| Noninterest income to average assets | 0.2281% | 6,635 |
| Noninterest expense to average assets | 1.8676% | 7,612 |
| Loan and lease loss provision to assets | 0.2138% | 4,309 |
| Net operating income to assets | 0.7031% | 3,542 |
| Return on assets (ROA) | 0.7366% | 3,593 |
| Pretax return on assets | 1.1049% | 2,970 |
| Return on Equity (ROE) | 6.2580% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.2580% | 2,522 |
| Net charge-offs to loans | -0.0071% | 7,229 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5455% | 6,467 |
| Assets per employee ($millions) | 6.0662% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 4,036 |
| Loan loss allowance to noncurrent loans | 157.5269% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 5,006 |
| Noncurrent loans to loans | 0.8293% | 5,370 |
| Net loans and leases to total assets | 67.5731% | 4,231 |
| Net loans and leases to deposits | 93.2873% | 2,388 |
| Net loans and leases to core deposits | 116.7912% | 2,704 |
| Total domestic deposits to total assets | 72.4355% | 7,146 |
| Equity capital to assets | 12.2366% | 2,116 |
| Core capital (leverage) ratio | 11.9479% | 1,923 |
| Tier 1 risk-based capital ratio | 18.9830% | 1,815 |
| Total risk-based capital ratio | 20.2355% | 1,774 |
| Memoranda: | ||
| Average total assets | $168,346,000 | 3,681 |
| Average earning assets | $160,090,500 | 3,570 |
| Average equity | $19,814,500 | 3,282 |
| Average total loans | $112,459,000 | 3,733 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0852% | 5,119 |
| Cost of funding earning assets | 3.0820% | 1,566 |
| Net interest margin | 3.0032% | 6,907 |
| Noninterest income to average assets | 0.3782% | 5,657 |
| Noninterest expense to average assets | 1.8976% | 7,616 |
| Loan and lease loss provision to assets | 0.1946% | 4,930 |
| Net operating income to assets | 0.9189% | 2,924 |
| Return on assets (ROA) | 0.9695% | 2,574 |
| Pretax return on assets | 1.2006% | 2,638 |
| Return on Equity (ROE) | 8.4053% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.4053% | 732 |
| Net charge-offs to loans | 0.2335% | 3,914 |
| Credit loss provision to net charge-offs | 120.6897% | 4,452 |
| Earnings coverage of net charge-offs (x) | 8.2644% | 2,913 |
| Efficiency ratio | 58.7414% | 6,569 |
| Assets per employee ($millions) | 6.4039% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 4,404 |
| Loan loss allowance to noncurrent loans | 150.2188% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 4,917 |
| Noncurrent loans to loans | 0.8104% | 5,016 |
| Net loans and leases to total assets | 64.4308% | 5,186 |
| Net loans and leases to deposits | 95.0246% | 2,606 |
| Net loans and leases to core deposits | 120.3613% | 2,650 |
| Total domestic deposits to total assets | 67.8043% | 7,489 |
| Equity capital to assets | 11.3282% | 2,775 |
| Core capital (leverage) ratio | 11.1679% | 2,450 |
| Tier 1 risk-based capital ratio | 18.4050% | 1,937 |
| Total risk-based capital ratio | 19.6530% | 1,882 |
| Memoranda: | ||
| Average total assets | $161,836,200 | 3,689 |
| Average earning assets | $153,700,400 | 3,587 |
| Average equity | $18,666,800 | 3,450 |
| Average total loans | $111,772,200 | 3,641 |