Home > NobleBank & Trust > Performance and Condition Ratios
NobleBank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2667% | 1,546 |
| Cost of funding earning assets | 1.0169% | 3,255 |
| Net interest margin | 4.2498% | 879 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.7142% | 1,699 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.4394% | 1,142 |
| Return on assets (ROA) | 1.3783% | 1,226 |
| Pretax return on assets | 1.6905% | 1,079 |
| Return on Equity (ROE) | 25.6400% | 292 |
| Retained earnings to average equity (ytd only) | 16.4996% | 244 |
| Net charge-offs to loans | 0.0427% | 1,471 |
| Credit loss provision to net charge-offs | 370.0935% | 825 |
| Earnings coverage of net charge-offs (x) | 69.7103% | 1,095 |
| Efficiency ratio | 59.2872% | 3,156 |
| Assets per employee ($millions) | 6.2961% | 2,558 |
| Cash dividends to net income (ytd only)* | 35.6599% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,378 |
| Loan loss allowance to noncurrent loans | 1,258.0756% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 3,091 |
| Noncurrent loans to loans | 0.1117% | 2,969 |
| Net loans and leases to total assets | 62.7700% | 2,597 |
| Net loans and leases to deposits | 68.4064% | 2,997 |
| Net loans and leases to core deposits | 73.2924% | 3,109 |
| Total domestic deposits to total assets | 91.7600% | 347 |
| Equity capital to assets | 6.2068% | 4,194 |
| Core capital (leverage) ratio | 10.3420% | 2,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $400,188,800 | 2,010 |
| Average earning assets | $367,099,200 | 2,022 |
| Average equity | $21,509,600 | 2,731 |
| Average total loans | $250,580,600 | 1,999 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2204% | 1,418 |
| Cost of funding earning assets | 0.9140% | 3,240 |
| Net interest margin | 4.3064% | 799 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.7257% | 1,593 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.4603% | 1,205 |
| Return on assets (ROA) | 1.3805% | 1,349 |
| Pretax return on assets | 1.7192% | 1,133 |
| Return on Equity (ROE) | 26.7500% | 318 |
| Retained earnings to average equity (ytd only) | 15.7308% | 486 |
| Net charge-offs to loans | 0.0414% | 1,295 |
| Credit loss provision to net charge-offs | 359.7403% | 777 |
| Earnings coverage of net charge-offs (x) | 74.1039% | 1,090 |
| Efficiency ratio | 58.7747% | 3,113 |
| Assets per employee ($millions) | 6.1117% | 2,647 |
| Cash dividends to net income (ytd only)* | 41.1893% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,503 |
| Loan loss allowance to noncurrent loans | 1,178.8779% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,099 |
| Noncurrent loans to loans | 0.1174% | 2,980 |
| Net loans and leases to total assets | 63.0700% | 2,552 |
| Net loans and leases to deposits | 66.8859% | 3,058 |
| Net loans and leases to core deposits | 71.8747% | 3,108 |
| Total domestic deposits to total assets | 94.3000% | 164 |
| Equity capital to assets | 4.5023% | 4,335 |
| Core capital (leverage) ratio | 9.6977% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $397,924,250 | 2,017 |
| Average earning assets | $364,843,250 | 2,023 |
| Average equity | $20,536,750 | 2,800 |
| Average total loans | $248,092,250 | 2,011 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 1,426 |
| Cost of funding earning assets | 0.6900% | 3,516 |
| Net interest margin | 4.3758% | 725 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.7528% | 1,520 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.5336% | 1,047 |
| Return on assets (ROA) | 1.4132% | 1,280 |
| Pretax return on assets | 1.7611% | 1,093 |
| Return on Equity (ROE) | 26.2500% | 322 |
| Retained earnings to average equity (ytd only) | 12.8653% | 826 |
| Net charge-offs to loans | 0.0041% | 2,157 |
| Credit loss provision to net charge-offs | 2,400.0000% | 225 |
| Earnings coverage of net charge-offs (x) | 781.2000% | 187 |
| Efficiency ratio | 58.2603% | 3,163 |
| Assets per employee ($millions) | 5.9523% | 2,751 |
| Cash dividends to net income (ytd only)* | 50.9825% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,550 |
| Loan loss allowance to noncurrent loans | 1,110.5096% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 2,985 |
| Noncurrent loans to loans | 0.1257% | 2,845 |
| Net loans and leases to total assets | 61.7600% | 2,594 |
| Net loans and leases to deposits | 67.0518% | 2,991 |
| Net loans and leases to core deposits | 73.0027% | 2,960 |
| Total domestic deposits to total assets | 92.1100% | 391 |
| Equity capital to assets | 5.5850% | 4,272 |
| Core capital (leverage) ratio | 9.8812% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $396,109,333 | 2,022 |
| Average earning assets | $363,497,667 | 2,031 |
| Average equity | $21,328,667 | 2,749 |
| Average total loans | $244,795,000 | 2,023 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9906% | 1,239 |
| Cost of funding earning assets | 0.5457% | 3,549 |
| Net interest margin | 4.4449% | 631 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.7834% | 1,470 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.5740% | 1,029 |
| Return on assets (ROA) | 1.3324% | 1,557 |
| Pretax return on assets | 1.6729% | 1,335 |
| Return on Equity (ROE) | 25.2200% | 395 |
| Retained earnings to average equity (ytd only) | 3.0302% | 3,497 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.1622% | 3,178 |
| Assets per employee ($millions) | 6.1866% | 2,594 |
| Cash dividends to net income (ytd only)* | 87.9848% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,662 |
| Loan loss allowance to noncurrent loans | 973.9255% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 2,918 |
| Noncurrent loans to loans | 0.1427% | 2,783 |
| Net loans and leases to total assets | 61.8700% | 2,476 |
| Net loans and leases to deposits | 66.1765% | 2,921 |
| Net loans and leases to core deposits | 70.6364% | 2,908 |
| Total domestic deposits to total assets | 93.5000% | 233 |
| Equity capital to assets | 5.5317% | 4,333 |
| Core capital (leverage) ratio | 9.5685% | 3,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $394,762,500 | 2,060 |
| Average earning assets | $362,839,000 | 2,059 |
| Average equity | $20,856,500 | 2,813 |
| Average total loans | $242,300,000 | 2,057 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 1,130 |
| Cost of funding earning assets | 0.3293% | 2,643 |
| Net interest margin | 3.9346% | 885 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.7476% | 1,445 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.2642% | 1,553 |
| Return on assets (ROA) | 1.2642% | 1,502 |
| Pretax return on assets | 1.4452% | 1,633 |
| Return on Equity (ROE) | 20.7900% | 406 |
| Retained earnings to average equity (ytd only) | 12.8053% | 535 |
| Net charge-offs to loans | 0.0656% | 991 |
| Credit loss provision to net charge-offs | 239.3333% | 1,019 |
| Earnings coverage of net charge-offs (x) | 39.9667% | 1,509 |
| Efficiency ratio | 64.1233% | 2,474 |
| Assets per employee ($millions) | 6.2464% | 2,559 |
| Cash dividends to net income (ytd only)* | 38.3976% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 1,486 |
| Loan loss allowance to noncurrent loans | 949.8592% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 2,924 |
| Noncurrent loans to loans | 0.1479% | 2,768 |
| Net loans and leases to total assets | 59.2000% | 2,708 |
| Net loans and leases to deposits | 62.8968% | 3,120 |
| Net loans and leases to core deposits | 65.9009% | 3,138 |
| Total domestic deposits to total assets | 94.1300% | 223 |
| Equity capital to assets | 5.0411% | 4,356 |
| Core capital (leverage) ratio | 9.7816% | 2,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $389,975,200 | 2,059 |
| Average earning assets | $358,309,000 | 2,075 |
| Average equity | $23,716,800 | 2,655 |
| Average total loans | $228,670,600 | 2,063 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 1,115 |
| Cost of funding earning assets | 0.3033% | 2,127 |
| Net interest margin | 3.7699% | 999 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.7067% | 1,454 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0511% | 2,281 |
| Return on assets (ROA) | 1.0511% | 2,248 |
| Pretax return on assets | 1.3549% | 1,868 |
| Return on Equity (ROE) | 16.5500% | 884 |
| Retained earnings to average equity (ytd only) | 7.7589% | 2,098 |
| Net charge-offs to loans | 0.0431% | 1,059 |
| Credit loss provision to net charge-offs | 326.0274% | 778 |
| Earnings coverage of net charge-offs (x) | 57.2055% | 1,202 |
| Efficiency ratio | 65.3243% | 2,364 |
| Assets per employee ($millions) | 6.0703% | 2,699 |
| Cash dividends to net income (ytd only)* | 53.1260% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,596 |
| Loan loss allowance to noncurrent loans | 917.0799% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 2,995 |
| Noncurrent loans to loans | 0.1531% | 2,848 |
| Net loans and leases to total assets | 61.1300% | 2,390 |
| Net loans and leases to deposits | 64.2824% | 2,848 |
| Net loans and leases to core deposits | 66.7773% | 2,896 |
| Total domestic deposits to total assets | 95.0900% | 206 |
| Equity capital to assets | 4.3872% | 4,423 |
| Core capital (leverage) ratio | 9.1789% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $387,526,250 | 2,090 |
| Average earning assets | $356,536,250 | 2,095 |
| Average equity | $24,607,750 | 2,641 |
| Average total loans | $225,827,250 | 2,074 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8282% | 1,251 |
| Cost of funding earning assets | 0.3008% | 1,706 |
| Net interest margin | 3.5274% | 1,243 |
| Noninterest income to average assets | 0.6927% | 1,374 |
| Noninterest expense to average assets | 2.6745% | 1,451 |
| Loan and lease loss provision to assets | 0.0791% | 1,229 |
| Net operating income to assets | 0.9665% | 2,286 |
| Return on assets (ROA) | 0.9665% | 2,261 |
| Pretax return on assets | 1.1870% | 2,119 |
| Return on Equity (ROE) | 13.8219% | 1,160 |
| Retained earnings to average equity (ytd only) | 3.8798% | 3,126 |
| Net charge-offs to loans | 0.0549% | 837 |
| Credit loss provision to net charge-offs | 252.4590% | 865 |
| Earnings coverage of net charge-offs (x) | 40.3934% | 1,252 |
| Efficiency ratio | 67.8706% | 2,262 |
| Assets per employee ($millions) | 6.3887% | 2,402 |
| Cash dividends to net income (ytd only)* | 71.9298% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 1,598 |
| Loan loss allowance to noncurrent loans | 532.0261% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 2,632 |
| Noncurrent loans to loans | 0.2704% | 2,396 |
| Net loans and leases to total assets | 56.3078% | 2,724 |
| Net loans and leases to deposits | 59.6777% | 3,075 |
| Net loans and leases to core deposits | 62.3624% | 3,086 |
| Total domestic deposits to total assets | 94.3532% | 222 |
| Equity capital to assets | 5.3126% | 4,417 |
| Core capital (leverage) ratio | 8.8386% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $389,225,000 | 2,097 |
| Average earning assets | $358,391,667 | 2,111 |
| Average equity | $27,217,667 | 2,569 |
| Average total loans | $222,068,667 | 2,096 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7593% | 1,163 |
| Cost of funding earning assets | 0.3032% | 1,633 |
| Net interest margin | 3.4562% | 1,169 |
| Noninterest income to average assets | 0.7382% | 1,197 |
| Noninterest expense to average assets | 2.7082% | 1,342 |
| Loan and lease loss provision to assets | 0.0923% | 895 |
| Net operating income to assets | 0.9487% | 2,079 |
| Return on assets (ROA) | 0.9487% | 2,069 |
| Pretax return on assets | 1.1530% | 1,969 |
| Return on Equity (ROE) | 12.0772% | 1,285 |
| Retained earnings to average equity (ytd only) | -2.2307% | 4,265 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5025% | 2,445 |
| Assets per employee ($millions) | 6.1981% | 2,634 |
| Cash dividends to net income (ytd only)* | 118.4699% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,557 |
| Loan loss allowance to noncurrent loans | 518.6603% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 2,682 |
| Noncurrent loans to loans | 0.2886% | 2,438 |
| Net loans and leases to total assets | 54.8022% | 2,655 |
| Net loans and leases to deposits | 58.9612% | 2,990 |
| Net loans and leases to core deposits | 61.8310% | 2,985 |
| Total domestic deposits to total assets | 92.9461% | 286 |
| Equity capital to assets | 6.7817% | 4,304 |
| Core capital (leverage) ratio | 8.9258% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,788,500 | 2,115 |
| Average earning assets | $358,895,500 | 2,118 |
| Average equity | $30,305,000 | 2,467 |
| Average total loans | $219,958,000 | 2,097 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9620% | 1,449 |
| Cost of funding earning assets | 0.3373% | 2,049 |
| Net interest margin | 3.6246% | 1,397 |
| Noninterest income to average assets | 0.8353% | 1,358 |
| Noninterest expense to average assets | 2.7371% | 1,521 |
| Loan and lease loss provision to assets | 0.0281% | 2,496 |
| Net operating income to assets | 1.1619% | 2,050 |
| Return on assets (ROA) | 1.1849% | 2,039 |
| Pretax return on assets | 1.4676% | 1,826 |
| Return on Equity (ROE) | 13.5187% | 1,303 |
| Retained earnings to average equity (ytd only) | 8.1853% | 1,468 |
| Net charge-offs to loans | 0.0488% | 1,334 |
| Credit loss provision to net charge-offs | 95.3704% | 1,847 |
| Earnings coverage of net charge-offs (x) | 49.7870% | 1,301 |
| Efficiency ratio | 65.1003% | 2,384 |
| Assets per employee ($millions) | 6.1467% | 2,614 |
| Cash dividends to net income (ytd only)* | 39.4519% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,841 |
| Loan loss allowance to noncurrent loans | 503.6624% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 2,621 |
| Noncurrent loans to loans | 0.2820% | 2,589 |
| Net loans and leases to total assets | 57.5994% | 2,415 |
| Net loans and leases to deposits | 63.5747% | 2,726 |
| Net loans and leases to core deposits | 66.8382% | 2,748 |
| Total domestic deposits to total assets | 90.6011% | 671 |
| Equity capital to assets | 8.9554% | 3,668 |
| Core capital (leverage) ratio | 9.0855% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,445,200 | 2,119 |
| Average earning assets | $340,614,400 | 2,126 |
| Average equity | $32,118,400 | 2,418 |
| Average total loans | $221,274,800 | 2,092 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0597% | 1,404 |
| Cost of funding earning assets | 0.3444% | 2,172 |
| Net interest margin | 3.7154% | 1,308 |
| Noninterest income to average assets | 0.7729% | 1,605 |
| Noninterest expense to average assets | 2.7171% | 1,544 |
| Loan and lease loss provision to assets | 0.0074% | 2,833 |
| Net operating income to assets | 1.1742% | 2,254 |
| Return on assets (ROA) | 1.2044% | 2,216 |
| Pretax return on assets | 1.5326% | 1,896 |
| Return on Equity (ROE) | 13.8198% | 1,439 |
| Retained earnings to average equity (ytd only) | 7.7343% | 2,138 |
| Net charge-offs to loans | 0.0121% | 1,883 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 204.3000% | 547 |
| Efficiency ratio | 64.4046% | 2,334 |
| Assets per employee ($millions) | 6.1905% | 2,517 |
| Cash dividends to net income (ytd only)* | 44.0342% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,095 |
| Loan loss allowance to noncurrent loans | 379.8561% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 1,942 |
| Noncurrent loans to loans | 0.3642% | 2,478 |
| Net loans and leases to total assets | 59.8051% | 2,290 |
| Net loans and leases to deposits | 65.9851% | 2,628 |
| Net loans and leases to core deposits | 69.4609% | 2,640 |
| Total domestic deposits to total assets | 90.6342% | 491 |
| Equity capital to assets | 8.8909% | 3,933 |
| Core capital (leverage) ratio | 9.0339% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $362,782,000 | 2,158 |
| Average earning assets | $336,468,000 | 2,171 |
| Average equity | $31,615,750 | 2,474 |
| Average total loans | $220,925,250 | 2,132 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 1,099 |
| Cost of funding earning assets | 0.3534% | 2,284 |
| Net interest margin | 3.8937% | 983 |
| Noninterest income to average assets | 0.7584% | 1,651 |
| Noninterest expense to average assets | 2.7269% | 1,521 |
| Loan and lease loss provision to assets | -0.0374% | 4,483 |
| Net operating income to assets | 1.3369% | 1,758 |
| Return on assets (ROA) | 1.3816% | 1,696 |
| Pretax return on assets | 1.7332% | 1,400 |
| Return on Equity (ROE) | 15.9674% | 964 |
| Retained earnings to average equity (ytd only) | 8.2938% | 1,980 |
| Net charge-offs to loans | -0.0183% | 3,955 |
| Credit loss provision to net charge-offs | 335.0000% | 839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4472% | 2,666 |
| Assets per employee ($millions) | 5.9844% | 2,630 |
| Cash dividends to net income (ytd only)* | 48.0583% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 1,936 |
| Loan loss allowance to noncurrent loans | 399.6159% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 2,132 |
| Noncurrent loans to loans | 0.3527% | 2,640 |
| Net loans and leases to total assets | 58.8330% | 2,564 |
| Net loans and leases to deposits | 64.9101% | 2,905 |
| Net loans and leases to core deposits | 68.7855% | 2,883 |
| Total domestic deposits to total assets | 90.6377% | 504 |
| Equity capital to assets | 8.9416% | 3,841 |
| Core capital (leverage) ratio | 9.0629% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,836,000 | 2,173 |
| Average earning assets | $331,615,333 | 2,186 |
| Average equity | $30,963,000 | 2,492 |
| Average total loans | $218,232,333 | 2,155 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 2,566 |
| Cost of funding earning assets | 0.3555% | 2,481 |
| Net interest margin | 3.2685% | 2,487 |
| Noninterest income to average assets | 0.7402% | 1,744 |
| Noninterest expense to average assets | 2.7434% | 1,503 |
| Loan and lease loss provision to assets | -0.1367% | 4,763 |
| Net operating income to assets | 0.9350% | 3,028 |
| Return on assets (ROA) | 1.0261% | 2,803 |
| Pretax return on assets | 1.2835% | 2,612 |
| Return on Equity (ROE) | 12.0711% | 1,987 |
| Retained earnings to average equity (ytd only) | -0.8306% | 4,442 |
| Net charge-offs to loans | -0.0849% | 4,582 |
| Credit loss provision to net charge-offs | 260.8696% | 799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6478% | 1,437 |
| Assets per employee ($millions) | 5.8227% | 2,771 |
| Cash dividends to net income (ytd only)* | 106.8812% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 1,936 |
| Loan loss allowance to noncurrent loans | 351.7045% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4230% | 2,129 |
| Noncurrent loans to loans | 0.3994% | 2,672 |
| Net loans and leases to total assets | 60.1779% | 2,526 |
| Net loans and leases to deposits | 66.1466% | 2,904 |
| Net loans and leases to core deposits | 70.0159% | 2,864 |
| Total domestic deposits to total assets | 90.9766% | 401 |
| Equity capital to assets | 8.6541% | 3,996 |
| Core capital (leverage) ratio | 9.3175% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,239,000 | 2,183 |
| Average earning assets | $326,270,000 | 2,194 |
| Average equity | $29,856,500 | 2,555 |
| Average total loans | $216,644,000 | 2,167 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 864 |
| Cost of funding earning assets | 0.5085% | 2,898 |
| Net interest margin | 4.2095% | 622 |
| Noninterest income to average assets | 0.9081% | 1,243 |
| Noninterest expense to average assets | 3.5294% | 665 |
| Loan and lease loss provision to assets | 0.3082% | 1,215 |
| Net operating income to assets | 0.8367% | 2,953 |
| Return on assets (ROA) | 0.9097% | 2,786 |
| Pretax return on assets | 1.0530% | 2,868 |
| Return on Equity (ROE) | 10.0212% | 1,999 |
| Retained earnings to average equity (ytd only) | 5.1275% | 2,225 |
| Net charge-offs to loans | 0.8707% | 158 |
| Credit loss provision to net charge-offs | 51.8126% | 3,134 |
| Earnings coverage of net charge-offs (x) | 2.1456% | 3,192 |
| Efficiency ratio | 73.4415% | 1,514 |
| Assets per employee ($millions) | 5.3355% | 3,012 |
| Cash dividends to net income (ytd only)* | 48.8330% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 1,631 |
| Loan loss allowance to noncurrent loans | 215.1495% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 2,240 |
| Noncurrent loans to loans | 0.6913% | 1,960 |
| Net loans and leases to total assets | 61.4340% | 2,671 |
| Net loans and leases to deposits | 67.3384% | 3,151 |
| Net loans and leases to core deposits | 71.7751% | 3,097 |
| Total domestic deposits to total assets | 91.2318% | 171 |
| Equity capital to assets | 8.3377% | 4,560 |
| Core capital (leverage) ratio | 8.4476% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,411,800 | 2,287 |
| Average earning assets | $279,081,400 | 2,295 |
| Average equity | $27,362,000 | 2,652 |
| Average total loans | $205,921,200 | 2,191 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 689 |
| Cost of funding earning assets | 0.5552% | 2,898 |
| Net interest margin | 4.3765% | 491 |
| Noninterest income to average assets | 0.7911% | 1,533 |
| Noninterest expense to average assets | 3.6083% | 606 |
| Loan and lease loss provision to assets | 0.4005% | 879 |
| Net operating income to assets | 0.7495% | 3,289 |
| Return on assets (ROA) | 0.8561% | 3,009 |
| Pretax return on assets | 0.9426% | 3,255 |
| Return on Equity (ROE) | 9.2104% | 2,311 |
| Retained earnings to average equity (ytd only) | 3.3573% | 3,370 |
| Net charge-offs to loans | 1.1696% | 115 |
| Credit loss provision to net charge-offs | 48.8554% | 2,891 |
| Earnings coverage of net charge-offs (x) | 1.4958% | 3,069 |
| Efficiency ratio | 74.6427% | 1,346 |
| Assets per employee ($millions) | 5.1317% | 3,081 |
| Cash dividends to net income (ytd only)* | 63.5489% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 2,049 |
| Loan loss allowance to noncurrent loans | 521.0702% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 3,362 |
| Noncurrent loans to loans | 0.2548% | 3,391 |
| Net loans and leases to total assets | 71.6209% | 1,721 |
| Net loans and leases to deposits | 78.7052% | 2,457 |
| Net loans and leases to core deposits | 83.7750% | 2,499 |
| Total domestic deposits to total assets | 90.9990% | 175 |
| Equity capital to assets | 8.5809% | 4,417 |
| Core capital (leverage) ratio | 8.5372% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,396,750 | 2,318 |
| Average earning assets | $269,189,750 | 2,334 |
| Average equity | $27,084,750 | 2,662 |
| Average total loans | $204,164,750 | 2,201 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9069% | 161 |
| Cost of funding earning assets | 0.6311% | 2,804 |
| Net interest margin | 5.2758% | 120 |
| Noninterest income to average assets | 0.7708% | 1,519 |
| Noninterest expense to average assets | 3.7069% | 571 |
| Loan and lease loss provision to assets | 0.4577% | 836 |
| Net operating income to assets | 1.3480% | 1,227 |
| Return on assets (ROA) | 1.4947% | 1,010 |
| Pretax return on assets | 1.6271% | 1,165 |
| Return on Equity (ROE) | 15.5205% | 632 |
| Retained earnings to average equity (ytd only) | 7.8415% | 1,357 |
| Net charge-offs to loans | 1.8350% | 72 |
| Credit loss provision to net charge-offs | 36.0831% | 2,684 |
| Earnings coverage of net charge-offs (x) | 1.5180% | 2,851 |
| Efficiency ratio | 65.8157% | 2,548 |
| Assets per employee ($millions) | 4.9106% | 3,288 |
| Cash dividends to net income (ytd only)* | 49.4762% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,212 |
| Loan loss allowance to noncurrent loans | 207.0866% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 2,314 |
| Noncurrent loans to loans | 0.6077% | 2,331 |
| Net loans and leases to total assets | 72.2321% | 1,665 |
| Net loans and leases to deposits | 79.7241% | 2,462 |
| Net loans and leases to core deposits | 85.1234% | 2,513 |
| Total domestic deposits to total assets | 90.6025% | 252 |
| Equity capital to assets | 8.9463% | 4,131 |
| Core capital (leverage) ratio | 9.2532% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $280,991,667 | 2,354 |
| Average earning assets | $258,917,333 | 2,364 |
| Average equity | $27,061,000 | 2,639 |
| Average total loans | $194,226,667 | 2,261 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8938% | 1,208 |
| Cost of funding earning assets | 0.7755% | 2,515 |
| Net interest margin | 4.1184% | 1,095 |
| Noninterest income to average assets | 0.8413% | 1,187 |
| Noninterest expense to average assets | 3.8056% | 619 |
| Loan and lease loss provision to assets | 0.0318% | 3,375 |
| Net operating income to assets | 0.6379% | 3,482 |
| Return on assets (ROA) | 0.9124% | 2,589 |
| Pretax return on assets | 1.1197% | 2,454 |
| Return on Equity (ROE) | 9.0904% | 2,077 |
| Retained earnings to average equity (ytd only) | -4.3115% | 4,463 |
| Net charge-offs to loans | -0.1497% | 4,897 |
| Credit loss provision to net charge-offs | -31.8182% | 3,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4050% | 948 |
| Assets per employee ($millions) | 3.9600% | 3,975 |
| Cash dividends to net income (ytd only)* | 147.4295% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3550% | 303 |
| Loan loss allowance to noncurrent loans | 134.5199% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 1.2527% | 963 |
| Noncurrent loans to loans | 1.7506% | 863 |
| Net loans and leases to total assets | 65.3451% | 2,892 |
| Net loans and leases to deposits | 73.1931% | 3,342 |
| Net loans and leases to core deposits | 79.3595% | 3,249 |
| Total domestic deposits to total assets | 89.2777% | 556 |
| Equity capital to assets | 10.2375% | 3,568 |
| Core capital (leverage) ratio | 9.7784% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,349,500 | 2,400 |
| Average earning assets | $242,427,000 | 2,426 |
| Average equity | $26,533,500 | 2,669 |
| Average total loans | $176,389,500 | 2,399 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 1,709 |
| Cost of funding earning assets | 0.7669% | 2,839 |
| Net interest margin | 4.1483% | 1,431 |
| Noninterest income to average assets | 1.0560% | 849 |
| Noninterest expense to average assets | 3.5292% | 926 |
| Loan and lease loss provision to assets | 1.0792% | 86 |
| Net operating income to assets | 0.2501% | 4,799 |
| Return on assets (ROA) | 0.4999% | 4,459 |
| Pretax return on assets | 0.5558% | 4,479 |
| Return on Equity (ROE) | 5.0187% | 4,194 |
| Retained earnings to average equity (ytd only) | 0.1908% | 4,634 |
| Net charge-offs to loans | 0.4594% | 403 |
| Credit loss provision to net charge-offs | 369.1808% | 753 |
| Earnings coverage of net charge-offs (x) | 4.6437% | 3,189 |
| Efficiency ratio | 72.2209% | 1,839 |
| Assets per employee ($millions) | 4.0506% | 3,844 |
| Cash dividends to net income (ytd only)* | 96.1977% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2666% | 301 |
| Loan loss allowance to noncurrent loans | 145.8755% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 1,075 |
| Noncurrent loans to loans | 1.5538% | 918 |
| Net loans and leases to total assets | 65.0334% | 3,065 |
| Net loans and leases to deposits | 72.3499% | 3,493 |
| Net loans and leases to core deposits | 84.1834% | 2,930 |
| Total domestic deposits to total assets | 89.8873% | 357 |
| Equity capital to assets | 9.8407% | 4,066 |
| Core capital (leverage) ratio | 9.9068% | 3,615 |
| Tier 1 risk-based capital ratio | 12.8334% | 3,880 |
| Total risk-based capital ratio | 14.0817% | 3,767 |
| Memoranda: | ||
| Average total assets | $263,063,800 | 2,379 |
| Average earning assets | $242,917,000 | 2,384 |
| Average equity | $26,202,200 | 2,619 |
| Average total loans | $167,400,400 | 2,437 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 1,688 |
| Cost of funding earning assets | 0.7485% | 2,975 |
| Net interest margin | 4.1973% | 1,384 |
| Noninterest income to average assets | 0.9145% | 1,112 |
| Noninterest expense to average assets | 3.5079% | 937 |
| Loan and lease loss provision to assets | 1.4280% | 58 |
| Net operating income to assets | -0.1144% | 5,088 |
| Return on assets (ROA) | -0.0662% | 5,090 |
| Pretax return on assets | -0.0850% | 5,084 |
| Return on Equity (ROE) | -0.6622% | 5,090 |
| Retained earnings to average equity (ytd only) | -6.3416% | 5,094 |
| Net charge-offs to loans | 0.1497% | 1,089 |
| Credit loss provision to net charge-offs | 1,516.7568% | 245 |
| Earnings coverage of net charge-offs (x) | 13.6162% | 2,281 |
| Efficiency ratio | 73.2363% | 1,666 |
| Assets per employee ($millions) | 4.3738% | 3,376 |
| Cash dividends to net income (ytd only)* | -857.6876% | 5,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7273% | 167 |
| Loan loss allowance to noncurrent loans | 181.7209% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 1,272 |
| Noncurrent loans to loans | 1.5008% | 1,007 |
| Net loans and leases to total assets | 61.2651% | 3,566 |
| Net loans and leases to deposits | 68.4327% | 3,892 |
| Net loans and leases to core deposits | 77.1967% | 3,616 |
| Total domestic deposits to total assets | 89.5260% | 439 |
| Equity capital to assets | 9.7780% | 4,230 |
| Core capital (leverage) ratio | 9.4682% | 4,200 |
| Tier 1 risk-based capital ratio | 13.0556% | 3,815 |
| Total risk-based capital ratio | 14.3193% | 3,717 |
| Memoranda: | ||
| Average total assets | $261,995,250 | 2,400 |
| Average earning assets | $241,893,000 | 2,406 |
| Average equity | $26,175,750 | 2,626 |
| Average total loans | $164,777,750 | 2,483 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 1,607 |
| Cost of funding earning assets | 0.7186% | 3,059 |
| Net interest margin | 4.2333% | 1,282 |
| Noninterest income to average assets | 0.9271% | 1,019 |
| Noninterest expense to average assets | 3.6937% | 757 |
| Loan and lease loss provision to assets | 0.0653% | 2,512 |
| Net operating income to assets | 0.9013% | 3,274 |
| Return on assets (ROA) | 0.9394% | 3,198 |
| Pretax return on assets | 1.1229% | 3,167 |
| Return on Equity (ROE) | 9.3341% | 2,711 |
| Retained earnings to average equity (ytd only) | 1.9691% | 4,123 |
| Net charge-offs to loans | 0.0892% | 1,476 |
| Credit loss provision to net charge-offs | 116.4384% | 1,785 |
| Earnings coverage of net charge-offs (x) | 20.3836% | 1,781 |
| Efficiency ratio | 76.3697% | 1,347 |
| Assets per employee ($millions) | 4.3413% | 3,384 |
| Cash dividends to net income (ytd only)* | 78.9043% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,509 |
| Loan loss allowance to noncurrent loans | 454.8387% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 3,641 |
| Noncurrent loans to loans | 0.2645% | 3,581 |
| Net loans and leases to total assets | 62.2308% | 3,517 |
| Net loans and leases to deposits | 69.7167% | 3,863 |
| Net loans and leases to core deposits | 77.0218% | 3,648 |
| Total domestic deposits to total assets | 89.2624% | 563 |
| Equity capital to assets | 10.4316% | 3,585 |
| Core capital (leverage) ratio | 10.3553% | 3,236 |
| Tier 1 risk-based capital ratio | 13.6023% | 3,529 |
| Total risk-based capital ratio | 14.6083% | 3,554 |
| Memoranda: | ||
| Average total assets | $260,392,670 | 2,417 |
| Average earning assets | $240,474,670 | 2,428 |
| Average equity | $26,205,000 | 2,621 |
| Average total loans | $163,690,330 | 2,497 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 1,548 |
| Cost of funding earning assets | 0.6949% | 3,085 |
| Net interest margin | 4.2244% | 1,253 |
| Noninterest income to average assets | 0.8819% | 1,078 |
| Noninterest expense to average assets | 3.7365% | 707 |
| Loan and lease loss provision to assets | 0.0999% | 1,760 |
| Net operating income to assets | 0.8096% | 3,581 |
| Return on assets (ROA) | 0.8266% | 3,563 |
| Pretax return on assets | 0.9695% | 3,545 |
| Return on Equity (ROE) | 8.3665% | 3,088 |
| Retained earnings to average equity (ytd only) | -4.3077% | 4,885 |
| Net charge-offs to loans | 0.1370% | 924 |
| Credit loss provision to net charge-offs | 116.0714% | 1,445 |
| Earnings coverage of net charge-offs (x) | 12.1964% | 1,882 |
| Efficiency ratio | 78.0738% | 1,256 |
| Assets per employee ($millions) | 4.3133% | 3,468 |
| Cash dividends to net income (ytd only)* | 151.4870% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 2,565 |
| Loan loss allowance to noncurrent loans | 642.0195% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 3,887 |
| Noncurrent loans to loans | 0.1871% | 3,917 |
| Net loans and leases to total assets | 61.5967% | 3,540 |
| Net loans and leases to deposits | 68.6009% | 3,875 |
| Net loans and leases to core deposits | 76.5498% | 3,623 |
| Total domestic deposits to total assets | 89.7899% | 530 |
| Equity capital to assets | 9.8957% | 3,922 |
| Core capital (leverage) ratio | 10.0699% | 3,526 |
| Tier 1 risk-based capital ratio | 13.5349% | 3,584 |
| Total risk-based capital ratio | 14.5551% | 3,621 |
| Memoranda: | ||
| Average total assets | $260,350,500 | 2,441 |
| Average earning assets | $240,604,000 | 2,447 |
| Average equity | $25,721,500 | 2,664 |
| Average total loans | $163,500,000 | 2,526 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8249% | 1,484 |
| Cost of funding earning assets | 0.5428% | 3,095 |
| Net interest margin | 4.2822% | 1,197 |
| Noninterest income to average assets | 0.9418% | 1,080 |
| Noninterest expense to average assets | 3.4283% | 1,105 |
| Loan and lease loss provision to assets | 0.1697% | 1,181 |
| Net operating income to assets | 1.0788% | 2,680 |
| Return on assets (ROA) | 1.0778% | 2,677 |
| Pretax return on assets | 1.2699% | 2,617 |
| Return on Equity (ROE) | 11.6305% | 1,852 |
| Retained earnings to average equity (ytd only) | 6.9177% | 1,712 |
| Net charge-offs to loans | 0.0900% | 1,878 |
| Credit loss provision to net charge-offs | 304.3796% | 1,019 |
| Earnings coverage of net charge-offs (x) | 25.8394% | 1,753 |
| Efficiency ratio | 70.4088% | 2,121 |
| Assets per employee ($millions) | 4.3659% | 3,354 |
| Cash dividends to net income (ytd only)* | 40.5211% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 2,549 |
| Loan loss allowance to noncurrent loans | 432.1586% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 3,603 |
| Noncurrent loans to loans | 0.2786% | 3,567 |
| Net loans and leases to total assets | 62.5021% | 3,517 |
| Net loans and leases to deposits | 69.6735% | 3,853 |
| Net loans and leases to core deposits | 81.1359% | 3,339 |
| Total domestic deposits to total assets | 89.7072% | 572 |
| Equity capital to assets | 9.8630% | 3,802 |
| Core capital (leverage) ratio | 10.2449% | 3,309 |
| Tier 1 risk-based capital ratio | 13.4979% | 3,549 |
| Total risk-based capital ratio | 14.5000% | 3,580 |
| Memoranda: | ||
| Average total assets | $245,689,600 | 2,501 |
| Average earning assets | $225,330,600 | 2,522 |
| Average equity | $22,767,800 | 2,843 |
| Average total loans | $152,180,800 | 2,619 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 1,561 |
| Cost of funding earning assets | 0.5044% | 3,172 |
| Net interest margin | 4.2409% | 1,259 |
| Noninterest income to average assets | 0.9536% | 1,051 |
| Noninterest expense to average assets | 3.4459% | 1,060 |
| Loan and lease loss provision to assets | 0.2307% | 703 |
| Net operating income to assets | 0.9803% | 3,177 |
| Return on assets (ROA) | 0.9789% | 3,193 |
| Pretax return on assets | 1.1552% | 3,176 |
| Return on Equity (ROE) | 10.7468% | 2,289 |
| Retained earnings to average equity (ytd only) | 5.1804% | 3,126 |
| Net charge-offs to loans | 0.1079% | 1,406 |
| Credit loss provision to net charge-offs | 347.1074% | 907 |
| Earnings coverage of net charge-offs (x) | 20.8760% | 1,940 |
| Efficiency ratio | 71.2922% | 1,999 |
| Assets per employee ($millions) | 4.5038% | 3,124 |
| Cash dividends to net income (ytd only)* | 51.7959% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 2,719 |
| Loan loss allowance to noncurrent loans | 3,301.6667% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,475 |
| Noncurrent loans to loans | 0.0358% | 4,734 |
| Net loans and leases to total assets | 64.4400% | 3,370 |
| Net loans and leases to deposits | 71.3397% | 3,821 |
| Net loans and leases to core deposits | 82.8998% | 3,257 |
| Total domestic deposits to total assets | 90.3283% | 404 |
| Equity capital to assets | 9.3028% | 4,271 |
| Core capital (leverage) ratio | 10.1169% | 3,502 |
| Tier 1 risk-based capital ratio | 12.8032% | 4,021 |
| Total risk-based capital ratio | 13.7897% | 4,072 |
| Memoranda: | ||
| Average total assets | $242,715,000 | 2,532 |
| Average earning assets | $222,055,000 | 2,558 |
| Average equity | $22,108,250 | 2,905 |
| Average total loans | $149,486,000 | 2,665 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6207% | 1,722 |
| Cost of funding earning assets | 0.4601% | 3,281 |
| Net interest margin | 4.1606% | 1,376 |
| Noninterest income to average assets | 0.9385% | 1,081 |
| Noninterest expense to average assets | 3.4506% | 1,071 |
| Loan and lease loss provision to assets | 0.2294% | 699 |
| Net operating income to assets | 0.9011% | 3,449 |
| Return on assets (ROA) | 0.8990% | 3,466 |
| Pretax return on assets | 1.0620% | 3,468 |
| Return on Equity (ROE) | 9.9456% | 2,588 |
| Retained earnings to average equity (ytd only) | 2.2959% | 4,361 |
| Net charge-offs to loans | 0.0544% | 1,824 |
| Credit loss provision to net charge-offs | 700.0000% | 554 |
| Earnings coverage of net charge-offs (x) | 39.4872% | 1,311 |
| Efficiency ratio | 72.7289% | 1,881 |
| Assets per employee ($millions) | 4.5027% | 3,127 |
| Cash dividends to net income (ytd only)* | 76.9159% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 2,445 |
| Loan loss allowance to noncurrent loans | 851.5556% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 4,392 |
| Noncurrent loans to loans | 0.1465% | 4,244 |
| Net loans and leases to total assets | 60.1313% | 3,793 |
| Net loans and leases to deposits | 66.5577% | 4,135 |
| Net loans and leases to core deposits | 76.6815% | 3,687 |
| Total domestic deposits to total assets | 90.3448% | 452 |
| Equity capital to assets | 9.4205% | 4,176 |
| Core capital (leverage) ratio | 10.4180% | 3,118 |
| Tier 1 risk-based capital ratio | 13.4388% | 3,648 |
| Total risk-based capital ratio | 14.4646% | 3,701 |
| Memoranda: | ||
| Average total assets | $238,047,330 | 2,578 |
| Average earning assets | $217,758,330 | 2,603 |
| Average equity | $21,517,000 | 2,965 |
| Average total loans | $143,511,330 | 2,754 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 1,738 |
| Cost of funding earning assets | 0.3805% | 3,731 |
| Net interest margin | 4.1623% | 1,268 |
| Noninterest income to average assets | 0.9178% | 1,102 |
| Noninterest expense to average assets | 3.5429% | 932 |
| Loan and lease loss provision to assets | 0.1714% | 1,024 |
| Net operating income to assets | 0.8251% | 3,609 |
| Return on assets (ROA) | 0.8208% | 3,636 |
| Pretax return on assets | 0.9870% | 3,583 |
| Return on Equity (ROE) | 9.2948% | 2,770 |
| Retained earnings to average equity (ytd only) | -2.1962% | 5,028 |
| Net charge-offs to loans | -0.0058% | 4,056 |
| Credit loss provision to net charge-offs | -4,950.0000% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2759% | 1,708 |
| Assets per employee ($millions) | 4.1483% | 3,731 |
| Cash dividends to net income (ytd only)* | 123.6287% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,529 |
| Loan loss allowance to noncurrent loans | 1,917.2043% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.1506% | 4,327 |
| Noncurrent loans to loans | 0.0651% | 4,683 |
| Net loans and leases to total assets | 59.6572% | 3,786 |
| Net loans and leases to deposits | 65.6469% | 4,111 |
| Net loans and leases to core deposits | 73.2463% | 3,868 |
| Total domestic deposits to total assets | 90.8759% | 361 |
| Equity capital to assets | 8.4000% | 5,046 |
| Core capital (leverage) ratio | 9.3371% | 4,274 |
| Tier 1 risk-based capital ratio | 12.0775% | 4,511 |
| Total risk-based capital ratio | 13.0913% | 4,543 |
| Memoranda: | ||
| Average total assets | $230,994,500 | 2,656 |
| Average earning assets | $210,268,000 | 2,689 |
| Average equity | $20,398,500 | 3,119 |
| Average total loans | $138,497,500 | 2,834 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 2,265 |
| Cost of funding earning assets | 0.3550% | 3,661 |
| Net interest margin | 3.9634% | 1,869 |
| Noninterest income to average assets | 0.8940% | 1,287 |
| Noninterest expense to average assets | 3.2993% | 1,379 |
| Loan and lease loss provision to assets | 0.0771% | 2,659 |
| Net operating income to assets | 0.7821% | 3,240 |
| Return on assets (ROA) | 0.7909% | 3,245 |
| Pretax return on assets | 1.1407% | 3,019 |
| Return on Equity (ROE) | 8.9488% | 2,343 |
| Retained earnings to average equity (ytd only) | 6.0024% | 1,541 |
| Net charge-offs to loans | 0.0647% | 2,547 |
| Credit loss provision to net charge-offs | 203.4884% | 1,343 |
| Earnings coverage of net charge-offs (x) | 31.8023% | 1,486 |
| Efficiency ratio | 73.2466% | 2,022 |
| Assets per employee ($millions) | 4.1007% | 3,808 |
| Cash dividends to net income (ytd only)* | 32.9248% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 2,447 |
| Loan loss allowance to noncurrent loans | 1,121.3333% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.3299% | 3,552 |
| Noncurrent loans to loans | 0.1118% | 4,483 |
| Net loans and leases to total assets | 58.7351% | 3,947 |
| Net loans and leases to deposits | 65.2632% | 4,237 |
| Net loans and leases to core deposits | 68.9675% | 4,235 |
| Total domestic deposits to total assets | 89.9973% | 570 |
| Equity capital to assets | 9.2822% | 4,447 |
| Core capital (leverage) ratio | 9.5244% | 4,013 |
| Tier 1 risk-based capital ratio | 12.8114% | 4,028 |
| Total risk-based capital ratio | 13.8206% | 4,062 |
| Memoranda: | ||
| Average total assets | $226,956,200 | 2,661 |
| Average earning assets | $206,739,600 | 2,704 |
| Average equity | $20,058,600 | 3,137 |
| Average total loans | $132,943,200 | 2,875 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,345 |
| Cost of funding earning assets | 0.3621% | 3,536 |
| Net interest margin | 3.9109% | 2,001 |
| Noninterest income to average assets | 0.8587% | 1,400 |
| Noninterest expense to average assets | 3.3205% | 1,298 |
| Loan and lease loss provision to assets | 0.0991% | 2,133 |
| Net operating income to assets | 0.7600% | 3,695 |
| Return on assets (ROA) | 0.7725% | 3,685 |
| Pretax return on assets | 1.0159% | 3,621 |
| Return on Equity (ROE) | 8.8508% | 2,696 |
| Retained earnings to average equity (ytd only) | 4.8791% | 2,964 |
| Net charge-offs to loans | 0.0694% | 2,131 |
| Credit loss provision to net charge-offs | 244.9275% | 1,149 |
| Earnings coverage of net charge-offs (x) | 27.1442% | 1,649 |
| Efficiency ratio | 75.1394% | 1,715 |
| Assets per employee ($millions) | 4.0899% | 3,841 |
| Cash dividends to net income (ytd only)* | 44.8746% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,668 |
| Loan loss allowance to noncurrent loans | 1,312.4031% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.3214% | 3,776 |
| Noncurrent loans to loans | 0.0949% | 4,686 |
| Net loans and leases to total assets | 59.6991% | 3,901 |
| Net loans and leases to deposits | 66.4294% | 4,217 |
| Net loans and leases to core deposits | 70.7697% | 4,200 |
| Total domestic deposits to total assets | 89.8685% | 519 |
| Equity capital to assets | 9.2352% | 4,699 |
| Core capital (leverage) ratio | 9.1777% | 4,538 |
| Tier 1 risk-based capital ratio | 12.3962% | 4,383 |
| Total risk-based capital ratio | 13.4058% | 4,418 |
| Memoranda: | ||
| Average total assets | $227,310,750 | 2,683 |
| Average earning assets | $206,936,000 | 2,718 |
| Average equity | $19,839,500 | 3,183 |
| Average total loans | $132,641,000 | 2,899 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 2,583 |
| Cost of funding earning assets | 0.3675% | 3,408 |
| Net interest margin | 3.8021% | 2,278 |
| Noninterest income to average assets | 0.8391% | 1,446 |
| Noninterest expense to average assets | 3.2626% | 1,440 |
| Loan and lease loss provision to assets | 0.1070% | 1,897 |
| Net operating income to assets | 0.7148% | 3,774 |
| Return on assets (ROA) | 0.7181% | 3,829 |
| Pretax return on assets | 0.9391% | 3,798 |
| Return on Equity (ROE) | 8.3880% | 2,835 |
| Retained earnings to average equity (ytd only) | 2.3351% | 4,282 |
| Net charge-offs to loans | 0.0897% | 1,714 |
| Credit loss provision to net charge-offs | 206.7797% | 1,245 |
| Earnings coverage of net charge-offs (x) | 20.1356% | 1,808 |
| Efficiency ratio | 75.7996% | 1,748 |
| Assets per employee ($millions) | 4.3258% | 3,390 |
| Cash dividends to net income (ytd only)* | 72.1612% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,725 |
| Loan loss allowance to noncurrent loans | 440.4255% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 3,282 |
| Noncurrent loans to loans | 0.2826% | 4,028 |
| Net loans and leases to total assets | 57.3113% | 4,094 |
| Net loans and leases to deposits | 63.3777% | 4,409 |
| Net loans and leases to core deposits | 68.9707% | 4,302 |
| Total domestic deposits to total assets | 90.4282% | 381 |
| Equity capital to assets | 8.8530% | 5,034 |
| Core capital (leverage) ratio | 9.0697% | 4,645 |
| Tier 1 risk-based capital ratio | 12.3085% | 4,420 |
| Total risk-based capital ratio | 13.3130% | 4,469 |
| Memoranda: | ||
| Average total assets | $228,100,000 | 2,696 |
| Average earning assets | $207,884,000 | 2,722 |
| Average equity | $19,528,000 | 3,210 |
| Average total loans | $131,527,330 | 2,922 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 2,639 |
| Cost of funding earning assets | 0.3687% | 3,325 |
| Net interest margin | 3.7353% | 2,369 |
| Noninterest income to average assets | 0.7876% | 1,600 |
| Noninterest expense to average assets | 3.1664% | 1,699 |
| Loan and lease loss provision to assets | 0.0633% | 2,538 |
| Net operating income to assets | 0.7282% | 3,571 |
| Return on assets (ROA) | 0.7349% | 3,588 |
| Pretax return on assets | 0.9687% | 3,500 |
| Return on Equity (ROE) | 8.7340% | 2,548 |
| Retained earnings to average equity (ytd only) | -3.6148% | 5,307 |
| Net charge-offs to loans | 0.0184% | 2,420 |
| Credit loss provision to net charge-offs | 600.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 551 |
| Efficiency ratio | 75.5770% | 1,975 |
| Assets per employee ($millions) | 4.5092% | 3,156 |
| Cash dividends to net income (ytd only)* | 141.3876% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,992 |
| Loan loss allowance to noncurrent loans | 320.1183% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 3,071 |
| Noncurrent loans to loans | 0.3818% | 3,730 |
| Net loans and leases to total assets | 57.0322% | 4,059 |
| Net loans and leases to deposits | 63.3110% | 4,348 |
| Net loans and leases to core deposits | 68.1576% | 4,286 |
| Total domestic deposits to total assets | 90.0826% | 622 |
| Equity capital to assets | 8.3833% | 5,314 |
| Core capital (leverage) ratio | 8.9872% | 4,754 |
| Tier 1 risk-based capital ratio | 12.1587% | 4,616 |
| Total risk-based capital ratio | 13.1467% | 4,687 |
| Memoranda: | ||
| Average total assets | $227,516,500 | 2,727 |
| Average earning assets | $207,214,500 | 2,755 |
| Average equity | $19,143,500 | 3,274 |
| Average total loans | $130,765,000 | 2,946 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1481% | 2,664 |
| Cost of funding earning assets | 0.3984% | 3,014 |
| Net interest margin | 3.7497% | 2,506 |
| Noninterest income to average assets | 0.8315% | 1,645 |
| Noninterest expense to average assets | 3.1780% | 1,846 |
| Loan and lease loss provision to assets | 0.1683% | 1,453 |
| Net operating income to assets | 0.7083% | 3,743 |
| Return on assets (ROA) | 0.7991% | 3,413 |
| Pretax return on assets | 1.0373% | 3,336 |
| Return on Equity (ROE) | 8.8612% | 2,488 |
| Retained earnings to average equity (ytd only) | 5.8664% | 1,784 |
| Net charge-offs to loans | 0.1133% | 2,127 |
| Credit loss provision to net charge-offs | 254.5455% | 1,134 |
| Earnings coverage of net charge-offs (x) | 16.4476% | 2,110 |
| Efficiency ratio | 74.5013% | 2,224 |
| Assets per employee ($millions) | 4.5013% | 3,116 |
| Cash dividends to net income (ytd only)* | 33.7963% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 2,892 |
| Loan loss allowance to noncurrent loans | 346.3043% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 3,404 |
| Noncurrent loans to loans | 0.3573% | 3,852 |
| Net loans and leases to total assets | 56.4984% | 4,217 |
| Net loans and leases to deposits | 62.7545% | 4,487 |
| Net loans and leases to core deposits | 66.1811% | 4,517 |
| Total domestic deposits to total assets | 90.0308% | 620 |
| Equity capital to assets | 8.4456% | 5,310 |
| Core capital (leverage) ratio | 8.9048% | 4,846 |
| Tier 1 risk-based capital ratio | 13.0114% | 4,071 |
| Total risk-based capital ratio | 14.0400% | 4,099 |
| Memoranda: | ||
| Average total assets | $216,236,400 | 2,794 |
| Average earning assets | $198,044,600 | 2,813 |
| Average equity | $19,500,800 | 3,217 |
| Average total loans | $126,237,400 | 2,977 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,594 |
| Cost of funding earning assets | 0.4001% | 3,023 |
| Net interest margin | 3.7744% | 2,434 |
| Noninterest income to average assets | 0.8123% | 1,710 |
| Noninterest expense to average assets | 3.1739% | 1,840 |
| Loan and lease loss provision to assets | 0.1738% | 1,295 |
| Net operating income to assets | 0.7026% | 3,833 |
| Return on assets (ROA) | 0.8148% | 3,436 |
| Pretax return on assets | 1.0677% | 3,363 |
| Return on Equity (ROE) | 8.8869% | 2,562 |
| Retained earnings to average equity (ytd only) | 4.9190% | 2,885 |
| Net charge-offs to loans | 0.0839% | 2,128 |
| Credit loss provision to net charge-offs | 353.1646% | 924 |
| Earnings coverage of net charge-offs (x) | 22.2280% | 1,769 |
| Efficiency ratio | 74.3687% | 2,211 |
| Assets per employee ($millions) | 4.6412% | 2,854 |
| Cash dividends to net income (ytd only)* | 44.6484% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 3,159 |
| Loan loss allowance to noncurrent loans | 289.5028% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 3,560 |
| Noncurrent loans to loans | 0.4189% | 3,777 |
| Net loans and leases to total assets | 57.4798% | 4,141 |
| Net loans and leases to deposits | 64.6422% | 4,439 |
| Net loans and leases to core deposits | 68.2567% | 4,445 |
| Total domestic deposits to total assets | 88.9200% | 948 |
| Equity capital to assets | 9.1593% | 5,020 |
| Core capital (leverage) ratio | 8.9034% | 4,939 |
| Tier 1 risk-based capital ratio | 12.7560% | 4,305 |
| Total risk-based capital ratio | 13.7724% | 4,362 |
| Memoranda: | ||
| Average total assets | $214,029,750 | 2,826 |
| Average earning assets | $195,945,000 | 2,848 |
| Average equity | $19,624,000 | 3,232 |
| Average total loans | $125,609,250 | 2,992 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 2,468 |
| Cost of funding earning assets | 0.3975% | 3,063 |
| Net interest margin | 3.8168% | 2,246 |
| Noninterest income to average assets | 0.8119% | 1,666 |
| Noninterest expense to average assets | 3.1992% | 1,813 |
| Loan and lease loss provision to assets | 0.2132% | 997 |
| Net operating income to assets | 0.6736% | 3,941 |
| Return on assets (ROA) | 0.8413% | 3,259 |
| Pretax return on assets | 1.1160% | 3,134 |
| Return on Equity (ROE) | 9.1718% | 2,420 |
| Retained earnings to average equity (ytd only) | 3.1399% | 3,904 |
| Net charge-offs to loans | 0.0628% | 2,298 |
| Credit loss provision to net charge-offs | 576.9231% | 588 |
| Earnings coverage of net charge-offs (x) | 29.9231% | 1,392 |
| Efficiency ratio | 74.3178% | 2,316 |
| Assets per employee ($millions) | 4.4606% | 3,101 |
| Cash dividends to net income (ytd only)* | 65.7658% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 3,124 |
| Loan loss allowance to noncurrent loans | 564.4928% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 3,594 |
| Noncurrent loans to loans | 0.2199% | 4,554 |
| Net loans and leases to total assets | 56.7072% | 4,232 |
| Net loans and leases to deposits | 63.8842% | 4,498 |
| Net loans and leases to core deposits | 67.2281% | 4,532 |
| Total domestic deposits to total assets | 88.7656% | 1,034 |
| Equity capital to assets | 9.2149% | 5,056 |
| Core capital (leverage) ratio | 8.9153% | 4,923 |
| Tier 1 risk-based capital ratio | 12.7419% | 4,356 |
| Total risk-based capital ratio | 13.7701% | 4,422 |
| Memoranda: | ||
| Average total assets | $211,113,330 | 2,875 |
| Average earning assets | $193,197,670 | 2,896 |
| Average equity | $19,363,670 | 3,259 |
| Average total loans | $124,270,670 | 3,017 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1928% | 2,500 |
| Cost of funding earning assets | 0.3929% | 3,161 |
| Net interest margin | 3.7999% | 2,285 |
| Noninterest income to average assets | 0.7619% | 1,766 |
| Noninterest expense to average assets | 3.3040% | 1,592 |
| Loan and lease loss provision to assets | 0.2565% | 673 |
| Net operating income to assets | 0.5098% | 4,591 |
| Return on assets (ROA) | 0.5362% | 4,588 |
| Pretax return on assets | 0.7059% | 4,506 |
| Return on Equity (ROE) | 5.8603% | 4,057 |
| Retained earnings to average equity (ytd only) | -6.4506% | 5,693 |
| Net charge-offs to loans | -0.0873% | 5,579 |
| Credit loss provision to net charge-offs | -492.5926% | 4,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0766% | 1,883 |
| Assets per employee ($millions) | 4.5287% | 3,020 |
| Cash dividends to net income (ytd only)* | 210.0719% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 3,467 |
| Loan loss allowance to noncurrent loans | 401.0471% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 3,462 |
| Noncurrent loans to loans | 0.2997% | 4,353 |
| Net loans and leases to total assets | 57.9282% | 4,046 |
| Net loans and leases to deposits | 65.1201% | 4,328 |
| Net loans and leases to core deposits | 68.3501% | 4,368 |
| Total domestic deposits to total assets | 88.9560% | 1,124 |
| Equity capital to assets | 8.7461% | 5,384 |
| Core capital (leverage) ratio | 8.9381% | 4,931 |
| Tier 1 risk-based capital ratio | 12.6431% | 4,490 |
| Total risk-based capital ratio | 13.6844% | 4,530 |
| Memoranda: | ||
| Average total assets | $207,385,000 | 2,918 |
| Average earning assets | $189,371,000 | 2,940 |
| Average equity | $18,975,000 | 3,308 |
| Average total loans | $123,654,500 | 3,034 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,392 |
| Cost of funding earning assets | 0.3404% | 3,789 |
| Net interest margin | 3.9085% | 2,001 |
| Noninterest income to average assets | 0.8095% | 1,750 |
| Noninterest expense to average assets | 3.6362% | 1,060 |
| Loan and lease loss provision to assets | 0.3472% | 431 |
| Net operating income to assets | 0.2878% | 5,393 |
| Return on assets (ROA) | 0.5027% | 4,775 |
| Pretax return on assets | 0.6325% | 4,736 |
| Return on Equity (ROE) | 5.1320% | 4,445 |
| Retained earnings to average equity (ytd only) | 2.3917% | 4,354 |
| Net charge-offs to loans | 0.4887% | 547 |
| Credit loss provision to net charge-offs | 121.7311% | 2,119 |
| Earnings coverage of net charge-offs (x) | 2.4807% | 3,898 |
| Efficiency ratio | 83.7102% | 1,207 |
| Assets per employee ($millions) | 4.2912% | 3,403 |
| Cash dividends to net income (ytd only)* | 53.3960% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,779 |
| Loan loss allowance to noncurrent loans | 564.6091% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 3,505 |
| Noncurrent loans to loans | 0.2027% | 4,692 |
| Net loans and leases to total assets | 60.0236% | 3,836 |
| Net loans and leases to deposits | 69.1767% | 4,004 |
| Net loans and leases to core deposits | 71.5214% | 4,173 |
| Total domestic deposits to total assets | 86.7686% | 2,246 |
| Equity capital to assets | 9.5940% | 4,443 |
| Core capital (leverage) ratio | 9.4838% | 4,196 |
| Tier 1 risk-based capital ratio | 13.2648% | 4,125 |
| Total risk-based capital ratio | 14.2312% | 4,240 |
| Memoranda: | ||
| Average total assets | $190,361,600 | 3,048 |
| Average earning assets | $172,139,000 | 3,094 |
| Average equity | $18,647,800 | 3,302 |
| Average total loans | $111,110,000 | 3,180 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1728% | 2,672 |
| Cost of funding earning assets | 0.3358% | 3,912 |
| Net interest margin | 3.8370% | 2,244 |
| Noninterest income to average assets | 0.7953% | 1,820 |
| Noninterest expense to average assets | 3.5559% | 1,187 |
| Loan and lease loss provision to assets | 0.4333% | 262 |
| Net operating income to assets | 0.2050% | 5,673 |
| Return on assets (ROA) | 0.3662% | 5,356 |
| Pretax return on assets | 0.4835% | 5,259 |
| Return on Equity (ROE) | 3.7181% | 5,137 |
| Retained earnings to average equity (ytd only) | 0.0502% | 5,582 |
| Net charge-offs to loans | 0.4749% | 521 |
| Credit loss provision to net charge-offs | 157.9897% | 1,612 |
| Earnings coverage of net charge-offs (x) | 2.5696% | 3,646 |
| Efficiency ratio | 83.4578% | 1,225 |
| Assets per employee ($millions) | 4.1306% | 3,653 |
| Cash dividends to net income (ytd only)* | 98.6491% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 3,147 |
| Loan loss allowance to noncurrent loans | 291.7160% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 2,946 |
| Noncurrent loans to loans | 0.4425% | 4,020 |
| Net loans and leases to total assets | 57.0377% | 4,241 |
| Net loans and leases to deposits | 65.1819% | 4,453 |
| Net loans and leases to core deposits | 67.3612% | 4,595 |
| Total domestic deposits to total assets | 87.5054% | 1,801 |
| Equity capital to assets | 9.4276% | 4,846 |
| Core capital (leverage) ratio | 9.4731% | 4,336 |
| Tier 1 risk-based capital ratio | 13.9132% | 3,899 |
| Total risk-based capital ratio | 15.0312% | 3,915 |
| Memoranda: | ||
| Average total assets | $188,603,500 | 3,094 |
| Average earning assets | $170,335,500 | 3,144 |
| Average equity | $18,575,250 | 3,333 |
| Average total loans | $108,923,750 | 3,249 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1373% | 2,769 |
| Cost of funding earning assets | 0.3324% | 4,020 |
| Net interest margin | 3.8048% | 2,289 |
| Noninterest income to average assets | 0.7584% | 1,960 |
| Noninterest expense to average assets | 3.5818% | 1,163 |
| Loan and lease loss provision to assets | 0.2665% | 624 |
| Net operating income to assets | 0.2592% | 5,552 |
| Return on assets (ROA) | 0.4024% | 5,234 |
| Pretax return on assets | 0.5340% | 5,138 |
| Return on Equity (ROE) | 4.0245% | 5,008 |
| Retained earnings to average equity (ytd only) | -1.4890% | 5,770 |
| Net charge-offs to loans | 0.3606% | 722 |
| Credit loss provision to net charge-offs | 127.9793% | 1,718 |
| Earnings coverage of net charge-offs (x) | 2.9275% | 3,270 |
| Efficiency ratio | 85.4569% | 1,104 |
| Assets per employee ($millions) | 3.9033% | 4,068 |
| Cash dividends to net income (ytd only)* | 136.9973% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 3,882 |
| Loan loss allowance to noncurrent loans | 563.7931% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 3,415 |
| Noncurrent loans to loans | 0.2101% | 4,929 |
| Net loans and leases to total assets | 57.0409% | 4,217 |
| Net loans and leases to deposits | 65.9922% | 4,337 |
| Net loans and leases to core deposits | 68.0984% | 4,487 |
| Total domestic deposits to total assets | 86.4358% | 2,470 |
| Equity capital to assets | 9.5670% | 4,573 |
| Core capital (leverage) ratio | 9.6224% | 4,110 |
| Tier 1 risk-based capital ratio | 14.2421% | 3,796 |
| Total risk-based capital ratio | 14.2421% | 4,440 |
| Memoranda: | ||
| Average total assets | $185,381,670 | 3,160 |
| Average earning assets | $167,260,330 | 3,210 |
| Average equity | $18,536,330 | 3,353 |
| Average total loans | $107,042,670 | 3,299 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0824% | 2,906 |
| Cost of funding earning assets | 0.3517% | 3,839 |
| Net interest margin | 3.7307% | 2,510 |
| Noninterest income to average assets | 0.7454% | 1,938 |
| Noninterest expense to average assets | 3.4619% | 1,387 |
| Loan and lease loss provision to assets | 0.3179% | 432 |
| Net operating income to assets | 0.2767% | 5,488 |
| Return on assets (ROA) | 0.3486% | 5,369 |
| Pretax return on assets | 0.4253% | 5,375 |
| Return on Equity (ROE) | 3.4092% | 5,210 |
| Retained earnings to average equity (ytd only) | -7.5474% | 6,059 |
| Net charge-offs to loans | 0.6720% | 363 |
| Credit loss provision to net charge-offs | 81.9209% | 1,813 |
| Earnings coverage of net charge-offs (x) | 1.6893% | 2,879 |
| Efficiency ratio | 84.0788% | 1,376 |
| Assets per employee ($millions) | 4.0728% | 3,816 |
| Cash dividends to net income (ytd only)* | 321.3836% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 4,262 |
| Loan loss allowance to noncurrent loans | 1,341.7582% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 3,194 |
| Noncurrent loans to loans | 0.0857% | 5,438 |
| Net loans and leases to total assets | 56.0387% | 4,198 |
| Net loans and leases to deposits | 64.3502% | 4,333 |
| Net loans and leases to core deposits | 66.4225% | 4,480 |
| Total domestic deposits to total assets | 87.0840% | 2,326 |
| Equity capital to assets | 9.9600% | 4,195 |
| Core capital (leverage) ratio | 9.8356% | 3,842 |
| Tier 1 risk-based capital ratio | 15.1667% | 3,339 |
| Total risk-based capital ratio | 15.1667% | 4,002 |
| Memoranda: | ||
| Average total assets | $182,442,000 | 3,208 |
| Average earning assets | $164,903,000 | 3,251 |
| Average equity | $18,655,500 | 3,374 |
| Average total loans | $105,361,500 | 3,348 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,608 |
| Cost of funding earning assets | 0.3594% | 4,150 |
| Net interest margin | 3.6691% | 3,132 |
| Noninterest income to average assets | 0.8320% | 1,741 |
| Noninterest expense to average assets | 3.1950% | 2,227 |
| Loan and lease loss provision to assets | 0.1245% | 2,104 |
| Net operating income to assets | 0.6236% | 4,256 |
| Return on assets (ROA) | 0.6825% | 4,095 |
| Pretax return on assets | 0.8775% | 3,973 |
| Return on Equity (ROE) | 6.7380% | 3,769 |
| Retained earnings to average equity (ytd only) | 4.2863% | 3,138 |
| Net charge-offs to loans | 0.1041% | 3,023 |
| Credit loss provision to net charge-offs | 212.6214% | 1,163 |
| Earnings coverage of net charge-offs (x) | 15.8252% | 2,059 |
| Efficiency ratio | 77.5234% | 2,274 |
| Assets per employee ($millions) | 3.9452% | 4,069 |
| Cash dividends to net income (ytd only)* | 36.3863% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 4,000 |
| Loan loss allowance to noncurrent loans | 159.3393% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 2,868 |
| Noncurrent loans to loans | 0.7530% | 3,441 |
| Net loans and leases to total assets | 58.1632% | 4,027 |
| Net loans and leases to deposits | 67.5025% | 4,173 |
| Net loans and leases to core deposits | 68.1211% | 4,494 |
| Total domestic deposits to total assets | 86.1644% | 2,743 |
| Equity capital to assets | 10.5055% | 3,471 |
| Core capital (leverage) ratio | 10.2674% | 3,219 |
| Tier 1 risk-based capital ratio | 15.6272% | 3,176 |
| Total risk-based capital ratio | 16.6929% | 3,192 |
| Memoranda: | ||
| Average total assets | $175,963,400 | 3,261 |
| Average earning assets | $157,750,000 | 3,318 |
| Average equity | $17,824,400 | 3,418 |
| Average total loans | $98,903,800 | 3,449 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 3,754 |
| Cost of funding earning assets | 0.3596% | 4,235 |
| Net interest margin | 3.6414% | 3,262 |
| Noninterest income to average assets | 0.8331% | 1,764 |
| Noninterest expense to average assets | 3.1576% | 2,300 |
| Loan and lease loss provision to assets | 0.1018% | 2,334 |
| Net operating income to assets | 0.6444% | 4,239 |
| Return on assets (ROA) | 0.7222% | 3,930 |
| Pretax return on assets | 0.9356% | 3,838 |
| Return on Equity (ROE) | 7.1971% | 3,611 |
| Retained earnings to average equity (ytd only) | 3.8899% | 3,883 |
| Net charge-offs to loans | 0.0697% | 3,201 |
| Credit loss provision to net charge-offs | 262.7451% | 1,013 |
| Earnings coverage of net charge-offs (x) | 24.1759% | 1,556 |
| Efficiency ratio | 77.1285% | 2,335 |
| Assets per employee ($millions) | 4.1916% | 3,502 |
| Cash dividends to net income (ytd only)* | 45.9514% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 4,141 |
| Loan loss allowance to noncurrent loans | 128.0922% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.1201% | 2,714 |
| Noncurrent loans to loans | 0.9498% | 3,185 |
| Net loans and leases to total assets | 56.3574% | 4,288 |
| Net loans and leases to deposits | 65.0887% | 4,424 |
| Net loans and leases to core deposits | 65.5367% | 4,753 |
| Total domestic deposits to total assets | 86.5855% | 2,537 |
| Equity capital to assets | 10.3688% | 3,713 |
| Core capital (leverage) ratio | 10.2469% | 3,344 |
| Tier 1 risk-based capital ratio | 15.8690% | 3,116 |
| Total risk-based capital ratio | 16.9396% | 3,159 |
| Memoranda: | ||
| Average total assets | $175,570,500 | 3,285 |
| Average earning assets | $157,226,000 | 3,343 |
| Average equity | $17,617,750 | 3,458 |
| Average total loans | $97,501,250 | 3,500 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,983 |
| Cost of funding earning assets | 0.3580% | 4,340 |
| Net interest margin | 3.5801% | 3,442 |
| Noninterest income to average assets | 0.8050% | 1,817 |
| Noninterest expense to average assets | 3.0557% | 2,644 |
| Loan and lease loss provision to assets | 0.0673% | 2,919 |
| Net operating income to assets | 0.6688% | 3,999 |
| Return on assets (ROA) | 0.7719% | 3,562 |
| Pretax return on assets | 1.0216% | 3,389 |
| Return on Equity (ROE) | 7.7791% | 3,219 |
| Retained earnings to average equity (ytd only) | 2.7577% | 4,444 |
| Net charge-offs to loans | 0.0663% | 3,043 |
| Credit loss provision to net charge-offs | 184.3750% | 1,250 |
| Earnings coverage of net charge-offs (x) | 26.1250% | 1,385 |
| Efficiency ratio | 76.2230% | 2,585 |
| Assets per employee ($millions) | 4.1936% | 3,469 |
| Cash dividends to net income (ytd only)* | 64.5495% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 4,512 |
| Loan loss allowance to noncurrent loans | 106.2899% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.2638% | 2,583 |
| Noncurrent loans to loans | 1.1114% | 3,000 |
| Net loans and leases to total assets | 55.3801% | 4,367 |
| Net loans and leases to deposits | 63.8180% | 4,520 |
| Net loans and leases to core deposits | 64.4386% | 4,777 |
| Total domestic deposits to total assets | 86.7781% | 2,590 |
| Equity capital to assets | 10.1719% | 3,868 |
| Core capital (leverage) ratio | 10.0885% | 3,487 |
| Tier 1 risk-based capital ratio | 15.7252% | 3,232 |
| Total risk-based capital ratio | 16.7545% | 3,299 |
| Memoranda: | ||
| Average total assets | $175,411,330 | 3,305 |
| Average earning assets | $156,977,670 | 3,362 |
| Average equity | $17,405,670 | 3,480 |
| Average total loans | $96,522,330 | 3,531 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9140% | 4,023 |
| Cost of funding earning assets | 0.3517% | 4,523 |
| Net interest margin | 3.5624% | 3,422 |
| Noninterest income to average assets | 0.7906% | 1,792 |
| Noninterest expense to average assets | 3.0208% | 2,798 |
| Loan and lease loss provision to assets | 0.1280% | 1,898 |
| Net operating income to assets | 0.6195% | 4,102 |
| Return on assets (ROA) | 0.8089% | 3,182 |
| Pretax return on assets | 1.0923% | 2,944 |
| Return on Equity (ROE) | 8.2563% | 2,813 |
| Retained earnings to average equity (ytd only) | -1.9358% | 5,852 |
| Net charge-offs to loans | 0.0922% | 2,238 |
| Credit loss provision to net charge-offs | 254.5455% | 898 |
| Earnings coverage of net charge-offs (x) | 19.1818% | 1,384 |
| Efficiency ratio | 75.8028% | 2,834 |
| Assets per employee ($millions) | 4.1453% | 3,630 |
| Cash dividends to net income (ytd only)* | 123.4463% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 4,456 |
| Loan loss allowance to noncurrent loans | 90.2232% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.2718% | 2,738 |
| Noncurrent loans to loans | 1.3687% | 2,736 |
| Net loans and leases to total assets | 52.5860% | 4,598 |
| Net loans and leases to deposits | 60.2111% | 4,740 |
| Net loans and leases to core deposits | 60.6168% | 4,983 |
| Total domestic deposits to total assets | 87.3361% | 2,612 |
| Equity capital to assets | 9.7090% | 4,214 |
| Core capital (leverage) ratio | 10.0362% | 3,517 |
| Tier 1 risk-based capital ratio | 15.9652% | 3,184 |
| Total risk-based capital ratio | 17.0350% | 3,240 |
| Memoranda: | ||
| Average total assets | $175,051,000 | 3,335 |
| Average earning assets | $156,973,500 | 3,390 |
| Average equity | $17,150,500 | 3,532 |
| Average total loans | $95,429,500 | 3,573 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 4,361 |
| Cost of funding earning assets | 0.3422% | 5,221 |
| Net interest margin | 3.5848% | 3,525 |
| Noninterest income to average assets | 0.8195% | 1,986 |
| Noninterest expense to average assets | 3.0854% | 2,780 |
| Loan and lease loss provision to assets | 0.2082% | 1,781 |
| Net operating income to assets | 0.5972% | 4,272 |
| Return on assets (ROA) | 0.5972% | 4,391 |
| Pretax return on assets | 0.7518% | 4,331 |
| Return on Equity (ROE) | 5.9662% | 4,103 |
| Retained earnings to average equity (ytd only) | 3.8512% | 3,462 |
| Net charge-offs to loans | 0.5378% | 1,230 |
| Credit loss provision to net charge-offs | 73.4568% | 3,216 |
| Earnings coverage of net charge-offs (x) | 3.3868% | 3,866 |
| Efficiency ratio | 76.2687% | 2,733 |
| Assets per employee ($millions) | 4.1916% | 3,457 |
| Cash dividends to net income (ytd only)* | 35.4492% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 4,723 |
| Loan loss allowance to noncurrent loans | 96.1993% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.2522% | 2,909 |
| Noncurrent loans to loans | 1.2339% | 3,074 |
| Net loans and leases to total assets | 55.1715% | 4,438 |
| Net loans and leases to deposits | 63.3477% | 4,580 |
| Net loans and leases to core deposits | 63.8554% | 4,880 |
| Total domestic deposits to total assets | 87.0932% | 2,675 |
| Equity capital to assets | 9.8892% | 3,915 |
| Core capital (leverage) ratio | 10.1572% | 3,351 |
| Tier 1 risk-based capital ratio | 15.6003% | 3,310 |
| Total risk-based capital ratio | 16.6115% | 3,399 |
| Memoranda: | ||
| Average total assets | $171,455,400 | 3,389 |
| Average earning assets | $154,289,200 | 3,428 |
| Average equity | $17,163,400 | 3,539 |
| Average total loans | $90,360,200 | 3,683 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8961% | 4,513 |
| Cost of funding earning assets | 0.3386% | 5,400 |
| Net interest margin | 3.5575% | 3,622 |
| Noninterest income to average assets | 0.8217% | 2,048 |
| Noninterest expense to average assets | 3.0851% | 2,709 |
| Loan and lease loss provision to assets | 0.2288% | 1,580 |
| Net operating income to assets | 0.5626% | 4,512 |
| Return on assets (ROA) | 0.5626% | 4,667 |
| Pretax return on assets | 0.7120% | 4,654 |
| Return on Equity (ROE) | 5.6027% | 4,411 |
| Retained earnings to average equity (ytd only) | 2.7897% | 4,650 |
| Net charge-offs to loans | 0.5740% | 1,098 |
| Credit loss provision to net charge-offs | 76.7624% | 2,924 |
| Earnings coverage of net charge-offs (x) | 3.1567% | 3,787 |
| Efficiency ratio | 76.6332% | 2,624 |
| Assets per employee ($millions) | 4.0838% | 3,667 |
| Cash dividends to net income (ytd only)* | 50.2075% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 4,513 |
| Loan loss allowance to noncurrent loans | 92.3922% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 1.4011% | 2,859 |
| Noncurrent loans to loans | 1.3817% | 3,103 |
| Net loans and leases to total assets | 54.4067% | 4,541 |
| Net loans and leases to deposits | 62.7455% | 4,656 |
| Net loans and leases to core deposits | 63.2640% | 4,982 |
| Total domestic deposits to total assets | 86.7102% | 2,846 |
| Equity capital to assets | 10.1638% | 3,683 |
| Core capital (leverage) ratio | 10.2033% | 3,396 |
| Tier 1 risk-based capital ratio | 15.7673% | 3,319 |
| Total risk-based capital ratio | 16.8429% | 3,376 |
| Memoranda: | ||
| Average total assets | $171,355,500 | 3,418 |
| Average earning assets | $154,338,750 | 3,464 |
| Average equity | $17,205,500 | 3,576 |
| Average total loans | $88,961,750 | 3,743 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 4,749 |
| Cost of funding earning assets | 0.3435% | 5,460 |
| Net interest margin | 3.4795% | 3,875 |
| Noninterest income to average assets | 0.7993% | 2,189 |
| Noninterest expense to average assets | 3.0059% | 2,984 |
| Loan and lease loss provision to assets | 0.3406% | 989 |
| Net operating income to assets | 0.4842% | 4,867 |
| Return on assets (ROA) | 0.4842% | 5,037 |
| Pretax return on assets | 0.5977% | 5,019 |
| Return on Equity (ROE) | 4.8413% | 4,807 |
| Retained earnings to average equity (ytd only) | 0.6370% | 5,644 |
| Net charge-offs to loans | 0.6852% | 957 |
| Credit loss provision to net charge-offs | 97.6744% | 2,291 |
| Earnings coverage of net charge-offs (x) | 2.6910% | 3,621 |
| Efficiency ratio | 76.2115% | 2,751 |
| Assets per employee ($millions) | 4.1294% | 3,518 |
| Cash dividends to net income (ytd only)* | 86.8421% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4114% | 3,978 |
| Loan loss allowance to noncurrent loans | 66.5435% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 2,935 |
| Noncurrent loans to loans | 2.1210% | 2,258 |
| Net loans and leases to total assets | 52.0265% | 4,862 |
| Net loans and leases to deposits | 59.8073% | 4,997 |
| Net loans and leases to core deposits | 60.2937% | 5,239 |
| Total domestic deposits to total assets | 86.9903% | 2,828 |
| Equity capital to assets | 9.7611% | 4,228 |
| Core capital (leverage) ratio | 9.7942% | 3,802 |
| Tier 1 risk-based capital ratio | 15.8836% | 3,270 |
| Total risk-based capital ratio | 17.0643% | 3,257 |
| Memoranda: | ||
| Average total assets | $172,661,670 | 3,418 |
| Average earning assets | $156,055,670 | 3,458 |
| Average equity | $17,268,000 | 3,586 |
| Average total loans | $87,857,330 | 3,772 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 5,073 |
| Cost of funding earning assets | 0.3548% | 5,484 |
| Net interest margin | 3.3709% | 4,232 |
| Noninterest income to average assets | 0.7594% | 2,300 |
| Noninterest expense to average assets | 2.9391% | 3,196 |
| Loan and lease loss provision to assets | 0.3671% | 874 |
| Net operating income to assets | 0.4451% | 4,933 |
| Return on assets (ROA) | 0.4451% | 5,094 |
| Pretax return on assets | 0.5048% | 5,236 |
| Return on Equity (ROE) | 4.3993% | 4,895 |
| Retained earnings to average equity (ytd only) | -3.8551% | 6,266 |
| Net charge-offs to loans | 1.1709% | 502 |
| Credit loss provision to net charge-offs | 62.7451% | 2,400 |
| Earnings coverage of net charge-offs (x) | 1.4902% | 3,336 |
| Efficiency ratio | 77.1222% | 2,735 |
| Assets per employee ($millions) | 4.3159% | 3,308 |
| Cash dividends to net income (ytd only)* | 187.6289% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 4,515 |
| Loan loss allowance to noncurrent loans | 62.9769% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 1.3360% | 3,290 |
| Noncurrent loans to loans | 2.1281% | 2,465 |
| Net loans and leases to total assets | 48.7573% | 5,148 |
| Net loans and leases to deposits | 56.0758% | 5,230 |
| Net loans and leases to core deposits | 56.4807% | 5,477 |
| Total domestic deposits to total assets | 86.9489% | 2,992 |
| Equity capital to assets | 9.9101% | 4,264 |
| Core capital (leverage) ratio | 9.5714% | 3,970 |
| Tier 1 risk-based capital ratio | 16.0553% | 3,230 |
| Total risk-based capital ratio | 17.1810% | 3,273 |
| Memoranda: | ||
| Average total assets | $174,340,500 | 3,427 |
| Average earning assets | $157,820,000 | 3,472 |
| Average equity | $17,639,000 | 3,573 |
| Average total loans | $87,114,000 | 3,809 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 5,417 |
| Cost of funding earning assets | 0.4392% | 5,656 |
| Net interest margin | 3.5205% | 4,418 |
| Noninterest income to average assets | 0.7454% | 2,518 |
| Noninterest expense to average assets | 3.1896% | 2,651 |
| Loan and lease loss provision to assets | 0.2840% | 2,384 |
| Net operating income to assets | 0.4272% | 4,978 |
| Return on assets (ROA) | 0.4272% | 5,230 |
| Pretax return on assets | 0.4690% | 5,374 |
| Return on Equity (ROE) | 4.2005% | 5,059 |
| Retained earnings to average equity (ytd only) | 4.2005% | 3,273 |
| Net charge-offs to loans | 0.6409% | 1,832 |
| Credit loss provision to net charge-offs | 86.0714% | 3,623 |
| Earnings coverage of net charge-offs (x) | 2.2821% | 4,276 |
| Efficiency ratio | 80.8997% | 2,022 |
| Assets per employee ($millions) | 4.1886% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 3,895 |
| Loan loss allowance to noncurrent loans | 57.1493% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 3,326 |
| Noncurrent loans to loans | 2.5547% | 2,070 |
| Net loans and leases to total assets | 49.7947% | 5,197 |
| Net loans and leases to deposits | 57.5225% | 5,293 |
| Net loans and leases to core deposits | 57.9521% | 5,545 |
| Total domestic deposits to total assets | 86.5656% | 3,065 |
| Equity capital to assets | 10.3313% | 3,716 |
| Core capital (leverage) ratio | 9.7024% | 3,799 |
| Tier 1 risk-based capital ratio | 16.6708% | 2,806 |
| Total risk-based capital ratio | 17.9208% | 2,779 |
| Memoranda: | ||
| Average total assets | $169,706,400 | 3,459 |
| Average earning assets | $154,128,000 | 3,480 |
| Average equity | $17,260,000 | 3,579 |
| Average total loans | $87,375,000 | 3,816 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 5,640 |
| Cost of funding earning assets | 0.4559% | 5,754 |
| Net interest margin | 3.5016% | 4,639 |
| Noninterest income to average assets | 0.7210% | 2,617 |
| Noninterest expense to average assets | 3.2355% | 2,466 |
| Loan and lease loss provision to assets | 0.2687% | 2,428 |
| Net operating income to assets | 0.3310% | 5,504 |
| Return on assets (ROA) | 0.3310% | 5,711 |
| Pretax return on assets | 0.4003% | 5,720 |
| Return on Equity (ROE) | 3.2672% | 5,587 |
| Retained earnings to average equity (ytd only) | 3.2672% | 4,569 |
| Net charge-offs to loans | 0.6566% | 1,664 |
| Credit loss provision to net charge-offs | 79.1183% | 3,650 |
| Earnings coverage of net charge-offs (x) | 1.9698% | 4,279 |
| Efficiency ratio | 82.8658% | 1,719 |
| Assets per employee ($millions) | 4.0331% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,231 |
| Loan loss allowance to noncurrent loans | 64.1799% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.3094% | 3,677 |
| Noncurrent loans to loans | 2.2321% | 2,577 |
| Net loans and leases to total assets | 51.0190% | 5,186 |
| Net loans and leases to deposits | 59.0727% | 5,311 |
| Net loans and leases to core deposits | 59.7168% | 5,587 |
| Total domestic deposits to total assets | 86.3664% | 3,052 |
| Equity capital to assets | 10.3601% | 3,999 |
| Core capital (leverage) ratio | 9.6851% | 3,986 |
| Tier 1 risk-based capital ratio | 16.1971% | 3,172 |
| Total risk-based capital ratio | 17.4241% | 3,150 |
| Memoranda: | ||
| Average total assets | $169,200,250 | 3,503 |
| Average earning assets | $153,830,250 | 3,521 |
| Average equity | $17,139,500 | 3,631 |
| Average total loans | $87,523,750 | 3,846 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 5,715 |
| Cost of funding earning assets | 0.4815% | 5,743 |
| Net interest margin | 3.4967% | 4,679 |
| Noninterest income to average assets | 0.6787% | 2,778 |
| Noninterest expense to average assets | 3.2542% | 2,427 |
| Loan and lease loss provision to assets | 0.2495% | 2,578 |
| Net operating income to assets | 0.2980% | 5,626 |
| Return on assets (ROA) | 0.2980% | 5,829 |
| Pretax return on assets | 0.3607% | 5,801 |
| Return on Equity (ROE) | 2.9642% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.9642% | 4,661 |
| Net charge-offs to loans | 0.6288% | 1,745 |
| Credit loss provision to net charge-offs | 76.7273% | 3,411 |
| Earnings coverage of net charge-offs (x) | 1.8764% | 4,035 |
| Efficiency ratio | 84.2105% | 1,606 |
| Assets per employee ($millions) | 4.4429% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 4,149 |
| Loan loss allowance to noncurrent loans | 70.3014% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.4036% | 3,619 |
| Noncurrent loans to loans | 2.0947% | 2,827 |
| Net loans and leases to total assets | 49.5412% | 5,417 |
| Net loans and leases to deposits | 57.0490% | 5,545 |
| Net loans and leases to core deposits | 57.9365% | 5,781 |
| Total domestic deposits to total assets | 86.8398% | 2,869 |
| Equity capital to assets | 9.9849% | 4,361 |
| Core capital (leverage) ratio | 9.7551% | 3,773 |
| Tier 1 risk-based capital ratio | 16.3339% | 2,988 |
| Total risk-based capital ratio | 17.5841% | 2,966 |
| Memoranda: | ||
| Average total assets | $169,137,000 | 3,514 |
| Average earning assets | $154,088,000 | 3,533 |
| Average equity | $17,003,000 | 3,641 |
| Average total loans | $87,472,670 | 3,870 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 5,852 |
| Cost of funding earning assets | 0.5181% | 5,697 |
| Net interest margin | 3.4537% | 4,902 |
| Noninterest income to average assets | 0.6656% | 2,834 |
| Noninterest expense to average assets | 3.2322% | 2,500 |
| Loan and lease loss provision to assets | 0.3783% | 1,668 |
| Net operating income to assets | 0.1820% | 6,036 |
| Return on assets (ROA) | 0.1820% | 6,176 |
| Pretax return on assets | 0.2155% | 6,168 |
| Return on Equity (ROE) | 1.8037% | 6,135 |
| Retained earnings to average equity (ytd only) | 1.8037% | 5,344 |
| Net charge-offs to loans | 1.2368% | 820 |
| Credit loss provision to net charge-offs | 58.3026% | 3,149 |
| Earnings coverage of net charge-offs (x) | 0.9151% | 3,872 |
| Efficiency ratio | 84.4806% | 1,640 |
| Assets per employee ($millions) | 4.1025% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 4,594 |
| Loan loss allowance to noncurrent loans | 45.9218% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 1.9661% | 2,956 |
| Noncurrent loans to loans | 3.0560% | 2,106 |
| Net loans and leases to total assets | 51.5015% | 5,083 |
| Net loans and leases to deposits | 59.3992% | 5,231 |
| Net loans and leases to core deposits | 60.9146% | 5,442 |
| Total domestic deposits to total assets | 86.7040% | 3,116 |
| Equity capital to assets | 10.0838% | 4,020 |
| Core capital (leverage) ratio | 9.7727% | 3,680 |
| Tier 1 risk-based capital ratio | 16.7932% | 2,762 |
| Total risk-based capital ratio | 18.0439% | 2,722 |
| Memoranda: | ||
| Average total assets | $167,069,500 | 3,567 |
| Average earning assets | $152,879,000 | 3,570 |
| Average equity | $16,854,000 | 3,672 |
| Average total loans | $87,647,000 | 3,894 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4696% | 5,181 |
| Cost of funding earning assets | 0.7134% | 5,445 |
| Net interest margin | 3.7561% | 4,046 |
| Noninterest income to average assets | 0.6850% | 2,688 |
| Noninterest expense to average assets | 3.1565% | 3,007 |
| Loan and lease loss provision to assets | 0.5171% | 2,033 |
| Net operating income to assets | 0.3734% | 4,976 |
| Return on assets (ROA) | 0.5071% | 4,604 |
| Pretax return on assets | 0.5975% | 4,703 |
| Return on Equity (ROE) | 5.5464% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.5464% | 2,270 |
| Net charge-offs to loans | 0.8150% | 2,118 |
| Credit loss provision to net charge-offs | 116.8224% | 2,763 |
| Earnings coverage of net charge-offs (x) | 2.1629% | 4,166 |
| Efficiency ratio | 76.7275% | 2,783 |
| Assets per employee ($millions) | 4.0473% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5394% | 3,828 |
| Loan loss allowance to noncurrent loans | 145.5135% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 4,730 |
| Noncurrent loans to loans | 1.0579% | 4,592 |
| Net loans and leases to total assets | 51.8802% | 5,331 |
| Net loans and leases to deposits | 59.9790% | 5,484 |
| Net loans and leases to core deposits | 62.4798% | 5,604 |
| Total domestic deposits to total assets | 86.4974% | 3,029 |
| Equity capital to assets | 10.0923% | 4,042 |
| Core capital (leverage) ratio | 9.5566% | 3,937 |
| Tier 1 risk-based capital ratio | 16.6238% | 2,769 |
| Total risk-based capital ratio | 17.8760% | 2,730 |
| Memoranda: | ||
| Average total assets | $169,209,000 | 3,505 |
| Average earning assets | $154,466,800 | 3,500 |
| Average equity | $15,469,400 | 3,823 |
| Average total loans | $91,898,800 | 3,814 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 4,871 |
| Cost of funding earning assets | 0.7567% | 5,423 |
| Net interest margin | 3.8412% | 3,664 |
| Noninterest income to average assets | 0.6728% | 2,755 |
| Noninterest expense to average assets | 3.2057% | 2,815 |
| Loan and lease loss provision to assets | 0.6665% | 1,452 |
| Net operating income to assets | 0.2851% | 5,446 |
| Return on assets (ROA) | 0.4791% | 4,837 |
| Pretax return on assets | 0.5160% | 5,113 |
| Return on Equity (ROE) | 5.3772% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.3772% | 2,928 |
| Net charge-offs to loans | 0.9532% | 1,690 |
| Credit loss provision to net charge-offs | 127.8195% | 2,500 |
| Earnings coverage of net charge-offs (x) | 1.8677% | 4,265 |
| Efficiency ratio | 76.6979% | 2,720 |
| Assets per employee ($millions) | 4.4843% | 2,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 3,688 |
| Loan loss allowance to noncurrent loans | 129.2279% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.0727% | 4,625 |
| Noncurrent loans to loans | 1.2352% | 4,476 |
| Net loans and leases to total assets | 50.8656% | 5,601 |
| Net loans and leases to deposits | 58.4530% | 5,800 |
| Net loans and leases to core deposits | 59.5440% | 6,023 |
| Total domestic deposits to total assets | 87.0197% | 2,649 |
| Equity capital to assets | 9.7187% | 4,751 |
| Core capital (leverage) ratio | 9.2965% | 4,458 |
| Tier 1 risk-based capital ratio | 16.6063% | 2,810 |
| Total risk-based capital ratio | 17.8594% | 2,772 |
| Memoranda: | ||
| Average total assets | $170,026,750 | 3,519 |
| Average earning assets | $155,223,500 | 3,514 |
| Average equity | $15,150,000 | 3,887 |
| Average total loans | $93,014,750 | 3,818 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 4,528 |
| Cost of funding earning assets | 0.7835% | 5,487 |
| Net interest margin | 3.9187% | 3,220 |
| Noninterest income to average assets | 0.6804% | 2,647 |
| Noninterest expense to average assets | 3.1689% | 3,009 |
| Loan and lease loss provision to assets | 0.9935% | 878 |
| Net operating income to assets | 0.1495% | 5,885 |
| Return on assets (ROA) | 0.1966% | 5,868 |
| Pretax return on assets | 0.1389% | 6,037 |
| Return on Equity (ROE) | 2.2753% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.2753% | 4,840 |
| Net charge-offs to loans | 0.2704% | 3,532 |
| Credit loss provision to net charge-offs | 659.3750% | 476 |
| Earnings coverage of net charge-offs (x) | 7.2031% | 2,257 |
| Efficiency ratio | 74.4881% | 3,275 |
| Assets per employee ($millions) | 4.1782% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1040% | 2,114 |
| Loan loss allowance to noncurrent loans | 83.8821% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.9521% | 3,305 |
| Noncurrent loans to loans | 2.5083% | 2,878 |
| Net loans and leases to total assets | 52.5837% | 5,490 |
| Net loans and leases to deposits | 60.0835% | 5,717 |
| Net loans and leases to core deposits | 62.6262% | 5,845 |
| Total domestic deposits to total assets | 87.5177% | 2,457 |
| Equity capital to assets | 9.1626% | 5,337 |
| Core capital (leverage) ratio | 9.1258% | 4,524 |
| Tier 1 risk-based capital ratio | 15.5771% | 3,201 |
| Total risk-based capital ratio | 16.8360% | 3,151 |
| Memoranda: | ||
| Average total assets | $169,901,000 | 3,537 |
| Average earning assets | $154,949,000 | 3,547 |
| Average equity | $14,679,670 | 3,964 |
| Average total loans | $94,658,670 | 3,825 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 4,137 |
| Cost of funding earning assets | 0.8135% | 5,507 |
| Net interest margin | 3.9691% | 2,829 |
| Noninterest income to average assets | 0.6336% | 2,939 |
| Noninterest expense to average assets | 3.3783% | 2,337 |
| Loan and lease loss provision to assets | 1.4066% | 468 |
| Net operating income to assets | -0.4137% | 6,743 |
| Return on assets (ROA) | -0.4137% | 6,754 |
| Pretax return on assets | -0.5296% | 6,767 |
| Return on Equity (ROE) | -4.9395% | 6,805 |
| Retained earnings to average equity (ytd only) | -4.9395% | 6,511 |
| Net charge-offs to loans | 0.2542% | 3,060 |
| Credit loss provision to net charge-offs | 975.4098% | 398 |
| Earnings coverage of net charge-offs (x) | 6.0820% | 2,160 |
| Efficiency ratio | 79.3889% | 2,635 |
| Assets per employee ($millions) | 4.1180% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 2,871 |
| Loan loss allowance to noncurrent loans | 96.4796% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.5417% | 3,934 |
| Noncurrent loans to loans | 1.9109% | 3,687 |
| Net loans and leases to total assets | 55.3113% | 5,109 |
| Net loans and leases to deposits | 62.5744% | 5,432 |
| Net loans and leases to core deposits | 65.3506% | 5,576 |
| Total domestic deposits to total assets | 88.3929% | 2,147 |
| Equity capital to assets | 8.4431% | 5,994 |
| Core capital (leverage) ratio | 8.9205% | 4,737 |
| Tier 1 risk-based capital ratio | 14.6259% | 3,659 |
| Total risk-based capital ratio | 15.8807% | 3,617 |
| Memoranda: | ||
| Average total assets | $169,198,500 | 3,569 |
| Average earning assets | $154,393,000 | 3,575 |
| Average equity | $14,171,500 | 4,079 |
| Average total loans | $95,980,500 | 3,833 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 5,222 |
| Cost of funding earning assets | 1.3665% | 3,476 |
| Net interest margin | 3.4860% | 5,303 |
| Noninterest income to average assets | 0.6643% | 3,051 |
| Noninterest expense to average assets | 3.1494% | 3,275 |
| Loan and lease loss provision to assets | 0.4828% | 3,242 |
| Net operating income to assets | 0.1711% | 5,372 |
| Return on assets (ROA) | 0.2609% | 5,229 |
| Pretax return on assets | 0.3240% | 5,166 |
| Return on Equity (ROE) | 3.1548% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.1548% | 3,657 |
| Net charge-offs to loans | 1.0765% | 2,064 |
| Credit loss provision to net charge-offs | 77.0736% | 5,662 |
| Earnings coverage of net charge-offs (x) | 1.1109% | 5,000 |
| Efficiency ratio | 81.9037% | 2,178 |
| Assets per employee ($millions) | 4.2390% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2611% | 5,201 |
| Loan loss allowance to noncurrent loans | 158.5714% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 1.0415% | 4,918 |
| Noncurrent loans to loans | 0.7953% | 5,451 |
| Net loans and leases to total assets | 56.3812% | 5,282 |
| Net loans and leases to deposits | 63.7401% | 5,654 |
| Net loans and leases to core deposits | 69.2292% | 5,521 |
| Total domestic deposits to total assets | 88.4548% | 1,973 |
| Equity capital to assets | 8.3086% | 6,134 |
| Core capital (leverage) ratio | 8.5144% | 5,335 |
| Tier 1 risk-based capital ratio | 14.2088% | 3,734 |
| Total risk-based capital ratio | 15.3544% | 3,768 |
| Memoranda: | ||
| Average total assets | $171,303,000 | 3,512 |
| Average earning assets | $156,310,400 | 3,518 |
| Average equity | $14,169,000 | 4,110 |
| Average total loans | $99,679,400 | 3,803 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 5,557 |
| Cost of funding earning assets | 1.4686% | 3,154 |
| Net interest margin | 3.3578% | 5,814 |
| Noninterest income to average assets | 0.6576% | 3,086 |
| Noninterest expense to average assets | 2.9719% | 3,849 |
| Loan and lease loss provision to assets | 0.5217% | 2,846 |
| Net operating income to assets | 0.1890% | 5,541 |
| Return on assets (ROA) | 0.3129% | 5,289 |
| Pretax return on assets | 0.3734% | 5,301 |
| Return on Equity (ROE) | 3.7868% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.7868% | 3,802 |
| Net charge-offs to loans | 0.9469% | 2,097 |
| Credit loss provision to net charge-offs | 94.2496% | 4,597 |
| Earnings coverage of net charge-offs (x) | 1.3506% | 4,728 |
| Efficiency ratio | 79.8998% | 2,353 |
| Assets per employee ($millions) | 4.5185% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 4,436 |
| Loan loss allowance to noncurrent loans | 138.4466% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.3638% | 4,444 |
| Noncurrent loans to loans | 1.0143% | 5,209 |
| Net loans and leases to total assets | 55.3945% | 5,635 |
| Net loans and leases to deposits | 62.3626% | 6,081 |
| Net loans and leases to core deposits | 68.8015% | 5,865 |
| Total domestic deposits to total assets | 88.8265% | 1,495 |
| Equity capital to assets | 8.1930% | 6,618 |
| Core capital (leverage) ratio | 7.9789% | 6,377 |
| Tier 1 risk-based capital ratio | 12.7603% | 4,765 |
| Total risk-based capital ratio | 14.0101% | 4,745 |
| Memoranda: | ||
| Average total assets | $171,738,750 | 3,543 |
| Average earning assets | $156,607,250 | 3,557 |
| Average equity | $14,189,250 | 4,163 |
| Average total loans | $100,394,000 | 3,851 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 5,423 |
| Cost of funding earning assets | 1.5469% | 2,977 |
| Net interest margin | 3.3462% | 5,848 |
| Noninterest income to average assets | 0.6803% | 2,820 |
| Noninterest expense to average assets | 3.0627% | 3,460 |
| Loan and lease loss provision to assets | 0.6104% | 2,355 |
| Net operating income to assets | 0.0436% | 6,002 |
| Return on assets (ROA) | 0.2193% | 5,628 |
| Pretax return on assets | 0.2809% | 5,560 |
| Return on Equity (ROE) | 2.6461% | 5,399 |
| Retained earnings to average equity (ytd only) | 2.6461% | 4,456 |
| Net charge-offs to loans | 1.4519% | 1,314 |
| Credit loss provision to net charge-offs | 70.9366% | 4,944 |
| Earnings coverage of net charge-offs (x) | 0.7741% | 4,986 |
| Efficiency ratio | 82.1360% | 2,147 |
| Assets per employee ($millions) | 4.2977% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 5,449 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 55.8985% | 5,718 |
| Net loans and leases to deposits | 63.0977% | 6,127 |
| Net loans and leases to core deposits | 70.1995% | 5,853 |
| Total domestic deposits to total assets | 88.5904% | 1,684 |
| Equity capital to assets | 8.3277% | 6,389 |
| Core capital (leverage) ratio | 8.0672% | 6,170 |
| Tier 1 risk-based capital ratio | 12.3034% | 5,039 |
| Total risk-based capital ratio | 13.2843% | 5,242 |
| Memoranda: | ||
| Average total assets | $168,738,330 | 3,620 |
| Average earning assets | $153,727,000 | 3,640 |
| Average equity | $13,983,000 | 4,202 |
| Average total loans | $100,010,000 | 3,901 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 5,054 |
| Cost of funding earning assets | 1.5614% | 3,194 |
| Net interest margin | 3.4298% | 5,464 |
| Noninterest income to average assets | 0.6748% | 2,777 |
| Noninterest expense to average assets | 3.1899% | 2,912 |
| Loan and lease loss provision to assets | 0.3948% | 3,001 |
| Net operating income to assets | 0.1713% | 5,784 |
| Return on assets (ROA) | 0.2441% | 5,647 |
| Pretax return on assets | 0.3111% | 5,569 |
| Return on Equity (ROE) | 2.9530% | 5,352 |
| Retained earnings to average equity (ytd only) | 2.9530% | 4,355 |
| Net charge-offs to loans | 0.3908% | 2,874 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 2.5859% | 3,242 |
| Efficiency ratio | 83.8892% | 2,028 |
| Assets per employee ($millions) | 4.1023% | 3,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 3,854 |
| Loan loss allowance to noncurrent loans | 129.8052% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 4,854 |
| Noncurrent loans to loans | 1.1641% | 5,035 |
| Net loans and leases to total assets | 59.4066% | 5,222 |
| Net loans and leases to deposits | 67.1327% | 5,695 |
| Net loans and leases to core deposits | 76.4930% | 5,191 |
| Total domestic deposits to total assets | 88.4913% | 1,791 |
| Equity capital to assets | 8.2809% | 6,328 |
| Core capital (leverage) ratio | 8.3848% | 5,594 |
| Tier 1 risk-based capital ratio | 12.3759% | 4,851 |
| Total risk-based capital ratio | 13.6355% | 4,798 |
| Memoranda: | ||
| Average total assets | $167,153,500 | 3,711 |
| Average earning assets | $152,428,500 | 3,718 |
| Average equity | $13,816,500 | 4,282 |
| Average total loans | $101,340,000 | 3,912 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2162% | 5,579 |
| Cost of funding earning assets | 1.8880% | 3,528 |
| Net interest margin | 3.3282% | 5,627 |
| Noninterest income to average assets | 0.9326% | 1,825 |
| Noninterest expense to average assets | 3.3226% | 2,936 |
| Loan and lease loss provision to assets | 0.5346% | 3,695 |
| Net operating income to assets | 0.1072% | 5,196 |
| Return on assets (ROA) | 0.2699% | 4,729 |
| Pretax return on assets | 0.2927% | 4,781 |
| Return on Equity (ROE) | 3.1945% | 4,417 |
| Retained earnings to average equity (ytd only) | 3.1945% | 2,923 |
| Net charge-offs to loans | 0.4228% | 4,100 |
| Credit loss provision to net charge-offs | 194.3262% | 2,041 |
| Earnings coverage of net charge-offs (x) | 2.3641% | 3,952 |
| Efficiency ratio | 83.6307% | 2,396 |
| Assets per employee ($millions) | 3.8631% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 3,983 |
| Loan loss allowance to noncurrent loans | 109.8054% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1486% | 4,796 |
| Noncurrent loans to loans | 1.3198% | 4,714 |
| Net loans and leases to total assets | 60.0565% | 5,327 |
| Net loans and leases to deposits | 67.8660% | 5,851 |
| Net loans and leases to core deposits | 82.9744% | 5,818 |
| Total domestic deposits to total assets | 88.4927% | 1,733 |
| Equity capital to assets | 8.2505% | 6,275 |
| Core capital (leverage) ratio | 8.2194% | 5,778 |
| Tier 1 risk-based capital ratio | 12.1625% | 4,805 |
| Total risk-based capital ratio | 13.4121% | 4,771 |
| Memoranda: | ||
| Average total assets | $153,765,400 | 3,903 |
| Average earning assets | $140,466,400 | 3,894 |
| Average equity | $12,991,200 | 4,515 |
| Average total loans | $100,039,400 | 3,950 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2632% | 5,613 |
| Cost of funding earning assets | 1.9446% | 3,640 |
| Net interest margin | 3.3186% | 5,572 |
| Noninterest income to average assets | 0.9477% | 1,787 |
| Noninterest expense to average assets | 3.3766% | 2,646 |
| Loan and lease loss provision to assets | 0.6557% | 2,786 |
| Net operating income to assets | -0.0484% | 5,798 |
| Return on assets (ROA) | 0.1690% | 5,323 |
| Pretax return on assets | 0.1849% | 5,332 |
| Return on Equity (ROE) | 1.9876% | 5,162 |
| Retained earnings to average equity (ytd only) | 1.9876% | 4,215 |
| Net charge-offs to loans | 0.5334% | 3,084 |
| Credit loss provision to net charge-offs | 185.7143% | 2,453 |
| Earnings coverage of net charge-offs (x) | 1.7042% | 4,519 |
| Efficiency ratio | 84.8754% | 2,199 |
| Assets per employee ($millions) | 3.7705% | 4,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 3,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 6,325 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.2540% | 5,365 |
| Net loans and leases to deposits | 69.6459% | 5,959 |
| Net loans and leases to core deposits | 85.5041% | 5,917 |
| Total domestic deposits to total assets | 87.9506% | 1,677 |
| Equity capital to assets | 8.6238% | 6,080 |
| Core capital (leverage) ratio | 8.2441% | 5,932 |
| Tier 1 risk-based capital ratio | 11.8374% | 5,116 |
| Total risk-based capital ratio | 13.0730% | 5,077 |
| Memoranda: | ||
| Average total assets | $150,678,750 | 3,970 |
| Average earning assets | $137,605,500 | 3,974 |
| Average equity | $12,812,750 | 4,584 |
| Average total loans | $99,742,250 | 3,994 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3165% | 5,584 |
| Cost of funding earning assets | 1.9793% | 3,874 |
| Net interest margin | 3.3371% | 5,413 |
| Noninterest income to average assets | 0.9724% | 1,685 |
| Noninterest expense to average assets | 3.4414% | 2,509 |
| Loan and lease loss provision to assets | 0.3677% | 3,721 |
| Net operating income to assets | 0.1962% | 5,278 |
| Return on assets (ROA) | 0.2914% | 5,039 |
| Pretax return on assets | 0.3159% | 5,178 |
| Return on Equity (ROE) | 3.4452% | 4,733 |
| Retained earnings to average equity (ytd only) | 3.4452% | 3,400 |
| Net charge-offs to loans | 0.3259% | 3,551 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | 2.6296% | 3,760 |
| Efficiency ratio | 85.5740% | 2,272 |
| Assets per employee ($millions) | 3.7528% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 5,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 6,386 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 62.3836% | 5,287 |
| Net loans and leases to deposits | 70.5024% | 5,930 |
| Net loans and leases to core deposits | 89.4518% | 5,578 |
| Total domestic deposits to total assets | 88.4843% | 1,534 |
| Equity capital to assets | 8.0448% | 6,700 |
| Core capital (leverage) ratio | 8.6452% | 5,187 |
| Tier 1 risk-based capital ratio | 11.3485% | 5,553 |
| Total risk-based capital ratio | 12.3575% | 5,686 |
| Memoranda: | ||
| Average total assets | $146,860,670 | 4,055 |
| Average earning assets | $134,186,670 | 4,065 |
| Average equity | $12,423,000 | 4,699 |
| Average total loans | $99,415,330 | 4,031 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5379% | 4,711 |
| Cost of funding earning assets | 2.0947% | 3,683 |
| Net interest margin | 3.4431% | 4,966 |
| Noninterest income to average assets | 0.9341% | 1,721 |
| Noninterest expense to average assets | 3.3752% | 2,432 |
| Loan and lease loss provision to assets | 0.6418% | 1,966 |
| Net operating income to assets | 0.0526% | 6,118 |
| Return on assets (ROA) | 0.2206% | 5,759 |
| Pretax return on assets | 0.2607% | 5,782 |
| Return on Equity (ROE) | 2.5363% | 5,560 |
| Retained earnings to average equity (ytd only) | 2.5363% | 4,467 |
| Net charge-offs to loans | 0.5295% | 2,130 |
| Credit loss provision to net charge-offs | 172.3077% | 2,486 |
| Earnings coverage of net charge-offs (x) | 1.8923% | 3,773 |
| Efficiency ratio | 82.7247% | 2,446 |
| Assets per employee ($millions) | 3.5235% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1497% | 5,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 6,372 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 65.9411% | 4,601 |
| Net loans and leases to deposits | 74.9031% | 5,357 |
| Net loans and leases to core deposits | 95.6488% | 5,005 |
| Total domestic deposits to total assets | 88.0352% | 1,730 |
| Equity capital to assets | 8.3340% | 6,340 |
| Core capital (leverage) ratio | 8.7361% | 5,086 |
| Tier 1 risk-based capital ratio | 11.1349% | 5,776 |
| Total risk-based capital ratio | 12.1750% | 5,879 |
| Memoranda: | ||
| Average total assets | $139,605,500 | 4,196 |
| Average earning assets | $127,558,500 | 4,203 |
| Average equity | $12,143,500 | 4,799 |
| Average total loans | $98,200,500 | 4,085 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2425% | 4,283 |
| Cost of funding earning assets | 2.9233% | 2,166 |
| Net interest margin | 3.3192% | 5,972 |
| Noninterest income to average assets | 0.7343% | 2,879 |
| Noninterest expense to average assets | 3.3067% | 2,941 |
| Loan and lease loss provision to assets | 0.1815% | 5,083 |
| Net operating income to assets | 0.2537% | 5,699 |
| Return on assets (ROA) | 0.3083% | 5,329 |
| Pretax return on assets | 0.3083% | 5,494 |
| Return on Equity (ROE) | 3.2741% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.2741% | 3,117 |
| Net charge-offs to loans | 0.0339% | 6,342 |
| Credit loss provision to net charge-offs | 744.8276% | 566 |
| Earnings coverage of net charge-offs (x) | 17.8621% | 1,741 |
| Efficiency ratio | 88.3700% | 1,645 |
| Assets per employee ($millions) | 3.1925% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,130 |
| Loan loss allowance to noncurrent loans | 481.0811% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 6,869 |
| Noncurrent loans to loans | 0.2329% | 6,684 |
| Net loans and leases to total assets | 73.8160% | 3,152 |
| Net loans and leases to deposits | 85.2588% | 4,215 |
| Net loans and leases to core deposits | 101.3668% | 4,685 |
| Total domestic deposits to total assets | 86.5787% | 2,149 |
| Equity capital to assets | 9.1308% | 5,179 |
| Core capital (leverage) ratio | 8.7178% | 5,165 |
| Tier 1 risk-based capital ratio | 10.9020% | 5,809 |
| Total risk-based capital ratio | 11.9482% | 5,911 |
| Memoranda: | ||
| Average total assets | $119,030,000 | 4,549 |
| Average earning assets | $107,857,000 | 4,565 |
| Average equity | $11,209,200 | 5,066 |
| Average total loans | $85,488,400 | 4,345 |