Home > Oostburg State Bank > Performance and Condition Ratios
Oostburg State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 2,232 |
| Cost of funding earning assets | 1.4514% | 2,073 |
| Net interest margin | 3.4695% | 2,257 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.4181% | 2,534 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2307% | 1,581 |
| Return on assets (ROA) | 1.1556% | 1,740 |
| Pretax return on assets | 1.4042% | 1,625 |
| Return on Equity (ROE) | 11.2500% | 2,158 |
| Retained earnings to average equity (ytd only) | 8.6709% | 1,341 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.0231% | 2,965 |
| Assets per employee ($millions) | 7.2356% | 1,913 |
| Cash dividends to net income (ytd only)* | 22.9475% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 770 |
| Loan loss allowance to noncurrent loans | 5,952.8571% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 3,606 |
| Noncurrent loans to loans | 0.0276% | 3,546 |
| Net loans and leases to total assets | 70.2700% | 1,779 |
| Net loans and leases to deposits | 79.8580% | 2,123 |
| Net loans and leases to core deposits | 88.2140% | 2,165 |
| Total domestic deposits to total assets | 87.9900% | 1,363 |
| Equity capital to assets | 10.5817% | 1,691 |
| Core capital (leverage) ratio | 11.8323% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1801% | 1,483 |
| Memoranda: | ||
| Average total assets | $339,404,800 | 2,235 |
| Average earning assets | $316,935,000 | 2,216 |
| Average equity | $34,852,400 | 2,060 |
| Average total loans | $245,619,800 | 2,024 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 2,157 |
| Cost of funding earning assets | 1.3296% | 2,061 |
| Net interest margin | 3.5227% | 2,163 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.3594% | 2,628 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0182% | 2,311 |
| Return on assets (ROA) | 1.0182% | 2,296 |
| Pretax return on assets | 1.2808% | 2,095 |
| Return on Equity (ROE) | 10.0000% | 2,633 |
| Retained earnings to average equity (ytd only) | 9.9960% | 1,400 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.6685% | 2,536 |
| Assets per employee ($millions) | 6.8464% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 782 |
| Loan loss allowance to noncurrent loans | 5,411.6883% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,593 |
| Noncurrent loans to loans | 0.0305% | 3,551 |
| Net loans and leases to total assets | 72.4900% | 1,515 |
| Net loans and leases to deposits | 81.8387% | 1,909 |
| Net loans and leases to core deposits | 90.4239% | 1,901 |
| Total domestic deposits to total assets | 88.5800% | 1,383 |
| Equity capital to assets | 9.8011% | 1,938 |
| Core capital (leverage) ratio | 12.0512% | 1,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0226% | 1,555 |
| Memoranda: | ||
| Average total assets | $335,619,750 | 2,247 |
| Average earning assets | $313,763,500 | 2,230 |
| Average equity | $34,186,250 | 2,073 |
| Average total loans | $243,697,750 | 2,034 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 2,087 |
| Cost of funding earning assets | 1.1747% | 2,064 |
| Net interest margin | 3.5835% | 2,076 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.3762% | 2,571 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0756% | 2,192 |
| Return on assets (ROA) | 1.0756% | 2,189 |
| Pretax return on assets | 1.3582% | 1,924 |
| Return on Equity (ROE) | 10.4300% | 2,582 |
| Retained earnings to average equity (ytd only) | 10.4250% | 1,302 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.9230% | 2,605 |
| Assets per employee ($millions) | 6.8441% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 762 |
| Loan loss allowance to noncurrent loans | 5,020.4819% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 3,545 |
| Noncurrent loans to loans | 0.0338% | 3,497 |
| Net loans and leases to total assets | 72.0600% | 1,524 |
| Net loans and leases to deposits | 81.8618% | 1,837 |
| Net loans and leases to core deposits | 89.8385% | 1,808 |
| Total domestic deposits to total assets | 88.0200% | 1,593 |
| Equity capital to assets | 10.4625% | 1,618 |
| Core capital (leverage) ratio | 11.9368% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1171% | 1,540 |
| Memoranda: | ||
| Average total assets | $333,386,333 | 2,264 |
| Average earning assets | $312,934,667 | 2,244 |
| Average equity | $34,398,000 | 2,081 |
| Average total loans | $240,823,667 | 2,044 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6147% | 2,050 |
| Cost of funding earning assets | 1.0275% | 1,959 |
| Net interest margin | 3.5872% | 2,161 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.2635% | 2,919 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1167% | 2,174 |
| Return on assets (ROA) | 1.1167% | 2,141 |
| Pretax return on assets | 1.4164% | 1,848 |
| Return on Equity (ROE) | 10.9000% | 2,522 |
| Retained earnings to average equity (ytd only) | 10.9005% | 1,488 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.0383% | 2,956 |
| Assets per employee ($millions) | 6.5343% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7260% | 766 |
| Loan loss allowance to noncurrent loans | 4,295.8763% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 3,490 |
| Noncurrent loans to loans | 0.0402% | 3,452 |
| Net loans and leases to total assets | 71.2000% | 1,502 |
| Net loans and leases to deposits | 80.0966% | 1,811 |
| Net loans and leases to core deposits | 87.3406% | 1,782 |
| Total domestic deposits to total assets | 88.8900% | 1,582 |
| Equity capital to assets | 10.4207% | 1,602 |
| Core capital (leverage) ratio | 11.8739% | 1,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3030% | 1,543 |
| Memoranda: | ||
| Average total assets | $332,399,000 | 2,304 |
| Average earning assets | $312,220,000 | 2,282 |
| Average equity | $34,053,500 | 2,119 |
| Average total loans | $238,326,000 | 2,077 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 1,640 |
| Cost of funding earning assets | 0.4508% | 1,721 |
| Net interest margin | 3.5798% | 1,703 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.3029% | 2,721 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 1.0619% | 2,327 |
| Return on assets (ROA) | 1.0681% | 2,250 |
| Pretax return on assets | 1.3512% | 1,932 |
| Return on Equity (ROE) | 10.6400% | 2,595 |
| Retained earnings to average equity (ytd only) | 8.2875% | 1,726 |
| Net charge-offs to loans | -0.0013% | 3,383 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.7765% | 3,089 |
| Assets per employee ($millions) | 6.6309% | 2,238 |
| Cash dividends to net income (ytd only)* | 22.0811% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 750 |
| Loan loss allowance to noncurrent loans | 3,824.2991% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 3,485 |
| Noncurrent loans to loans | 0.0455% | 3,426 |
| Net loans and leases to total assets | 69.7100% | 1,661 |
| Net loans and leases to deposits | 78.2667% | 1,915 |
| Net loans and leases to core deposits | 80.3257% | 2,113 |
| Total domestic deposits to total assets | 89.0700% | 1,700 |
| Equity capital to assets | 10.0680% | 1,680 |
| Core capital (leverage) ratio | 11.6352% | 1,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3957% | 1,512 |
| Memoranda: | ||
| Average total assets | $339,186,000 | 2,265 |
| Average earning assets | $318,311,600 | 2,245 |
| Average equity | $34,063,200 | 2,148 |
| Average total loans | $235,672,200 | 2,020 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8693% | 1,551 |
| Cost of funding earning assets | 0.3578% | 1,640 |
| Net interest margin | 3.5115% | 1,635 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.2175% | 2,882 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 1.1023% | 2,080 |
| Return on assets (ROA) | 1.1023% | 2,049 |
| Pretax return on assets | 1.4017% | 1,715 |
| Return on Equity (ROE) | 10.9800% | 2,387 |
| Retained earnings to average equity (ytd only) | 10.9830% | 1,060 |
| Net charge-offs to loans | -0.0017% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.2803% | 3,353 |
| Assets per employee ($millions) | 6.4620% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 1,014 |
| Loan loss allowance to noncurrent loans | 3,333.6207% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 3,560 |
| Noncurrent loans to loans | 0.0489% | 3,527 |
| Net loans and leases to total assets | 70.8300% | 1,408 |
| Net loans and leases to deposits | 78.8829% | 1,646 |
| Net loans and leases to core deposits | 80.7701% | 1,850 |
| Total domestic deposits to total assets | 89.7900% | 1,747 |
| Equity capital to assets | 9.6637% | 1,794 |
| Core capital (leverage) ratio | 11.6116% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0328% | 1,705 |
| Memoranda: | ||
| Average total assets | $341,095,750 | 2,270 |
| Average earning assets | $320,083,500 | 2,253 |
| Average equity | $34,234,000 | 2,178 |
| Average total loans | $235,783,750 | 2,024 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6733% | 1,608 |
| Cost of funding earning assets | 0.3107% | 1,617 |
| Net interest margin | 3.3626% | 1,710 |
| Noninterest income to average assets | 0.5497% | 1,952 |
| Noninterest expense to average assets | 2.2160% | 2,798 |
| Loan and lease loss provision to assets | 0.1015% | 983 |
| Net operating income to assets | 1.0900% | 1,812 |
| Return on assets (ROA) | 1.0900% | 1,793 |
| Pretax return on assets | 1.3886% | 1,469 |
| Return on Equity (ROE) | 10.7339% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.7339% | 837 |
| Net charge-offs to loans | -0.0017% | 3,102 |
| Credit loss provision to net charge-offs | -8,750.0000% | 3,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7935% | 3,327 |
| Assets per employee ($millions) | 6.9552% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,414 |
| Loan loss allowance to noncurrent loans | 3,048.7179% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,639 |
| Noncurrent loans to loans | 0.0491% | 3,581 |
| Net loans and leases to total assets | 68.8904% | 1,408 |
| Net loans and leases to deposits | 76.7947% | 1,628 |
| Net loans and leases to core deposits | 78.4901% | 1,819 |
| Total domestic deposits to total assets | 89.7073% | 1,841 |
| Equity capital to assets | 9.7355% | 1,861 |
| Core capital (leverage) ratio | 11.2441% | 1,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1456% | 1,671 |
| Memoranda: | ||
| Average total assets | $344,940,333 | 2,264 |
| Average earning assets | $323,797,667 | 2,260 |
| Average equity | $35,029,333 | 2,195 |
| Average total loans | $235,281,333 | 2,022 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 1,610 |
| Cost of funding earning assets | 0.3152% | 1,510 |
| Net interest margin | 3.2479% | 1,727 |
| Noninterest income to average assets | 0.5314% | 1,989 |
| Noninterest expense to average assets | 2.0749% | 3,239 |
| Loan and lease loss provision to assets | 0.0519% | 1,450 |
| Net operating income to assets | 1.1262% | 1,452 |
| Return on assets (ROA) | 1.1262% | 1,447 |
| Pretax return on assets | 1.4455% | 1,142 |
| Return on Equity (ROE) | 10.8693% | 1,659 |
| Retained earnings to average equity (ytd only) | 10.8693% | 806 |
| Net charge-offs to loans | -0.0017% | 3,081 |
| Credit loss provision to net charge-offs | -4,500.0000% | 3,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0833% | 3,672 |
| Assets per employee ($millions) | 6.8037% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 1,693 |
| Loan loss allowance to noncurrent loans | 2,337.4150% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,613 |
| Noncurrent loans to loans | 0.0623% | 3,545 |
| Net loans and leases to total assets | 66.9925% | 1,309 |
| Net loans and leases to deposits | 74.8462% | 1,532 |
| Net loans and leases to core deposits | 76.3276% | 1,760 |
| Total domestic deposits to total assets | 89.5069% | 1,808 |
| Equity capital to assets | 9.9663% | 1,916 |
| Core capital (leverage) ratio | 10.7346% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2014% | 1,721 |
| Memoranda: | ||
| Average total assets | $347,008,000 | 2,270 |
| Average earning assets | $324,891,000 | 2,262 |
| Average equity | $35,954,500 | 2,216 |
| Average total loans | $233,747,500 | 2,027 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7346% | 2,020 |
| Cost of funding earning assets | 0.3638% | 1,819 |
| Net interest margin | 3.3708% | 2,112 |
| Noninterest income to average assets | 0.7707% | 1,534 |
| Noninterest expense to average assets | 2.3058% | 2,777 |
| Loan and lease loss provision to assets | 0.1535% | 775 |
| Net operating income to assets | 1.1516% | 2,101 |
| Return on assets (ROA) | 1.1618% | 2,113 |
| Pretax return on assets | 1.4845% | 1,777 |
| Return on Equity (ROE) | 10.2887% | 2,418 |
| Retained earnings to average equity (ytd only) | 8.1135% | 1,491 |
| Net charge-offs to loans | 0.0014% | 2,611 |
| Credit loss provision to net charge-offs | 16,666.6667% | 42 |
| Earnings coverage of net charge-offs (x) | 1,764.3333% | 82 |
| Efficiency ratio | 58.6581% | 3,333 |
| Assets per employee ($millions) | 6.9405% | 1,965 |
| Cash dividends to net income (ytd only)* | 21.1416% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,682 |
| Loan loss allowance to noncurrent loans | 2,017.8571% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 3,651 |
| Noncurrent loans to loans | 0.0725% | 3,571 |
| Net loans and leases to total assets | 65.7621% | 1,496 |
| Net loans and leases to deposits | 75.0028% | 1,641 |
| Net loans and leases to core deposits | 76.5958% | 1,869 |
| Total domestic deposits to total assets | 87.6796% | 2,209 |
| Equity capital to assets | 10.7563% | 1,968 |
| Core capital (leverage) ratio | 10.5034% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0142% | 1,834 |
| Memoranda: | ||
| Average total assets | $325,698,000 | 2,316 |
| Average earning assets | $305,362,200 | 2,305 |
| Average equity | $36,778,200 | 2,210 |
| Average total loans | $215,436,400 | 2,137 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 2,036 |
| Cost of funding earning assets | 0.3736% | 1,904 |
| Net interest margin | 3.4154% | 2,111 |
| Noninterest income to average assets | 0.8174% | 1,472 |
| Noninterest expense to average assets | 2.2178% | 3,013 |
| Loan and lease loss provision to assets | 0.0540% | 1,905 |
| Net operating income to assets | 1.3558% | 1,670 |
| Return on assets (ROA) | 1.3567% | 1,722 |
| Pretax return on assets | 1.7467% | 1,287 |
| Return on Equity (ROE) | 11.8626% | 2,092 |
| Retained earnings to average equity (ytd only) | 11.8626% | 858 |
| Net charge-offs to loans | 0.0019% | 2,332 |
| Credit loss provision to net charge-offs | 4,333.3333% | 185 |
| Earnings coverage of net charge-offs (x) | 1,441.3333% | 106 |
| Efficiency ratio | 55.2056% | 3,632 |
| Assets per employee ($millions) | 6.9858% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,287 |
| Loan loss allowance to noncurrent loans | 1,605.8511% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,763 |
| Noncurrent loans to loans | 0.0833% | 3,668 |
| Net loans and leases to total assets | 65.0370% | 1,650 |
| Net loans and leases to deposits | 74.2180% | 1,834 |
| Net loans and leases to core deposits | 75.8854% | 2,064 |
| Total domestic deposits to total assets | 87.6297% | 2,046 |
| Equity capital to assets | 11.0515% | 1,978 |
| Core capital (leverage) ratio | 11.0715% | 1,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4785% | 1,803 |
| Memoranda: | ||
| Average total assets | $320,366,250 | 2,368 |
| Average earning assets | $300,161,250 | 2,358 |
| Average equity | $36,641,000 | 2,251 |
| Average total loans | $211,395,250 | 2,191 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 1,779 |
| Cost of funding earning assets | 0.3924% | 1,950 |
| Net interest margin | 3.5201% | 1,801 |
| Noninterest income to average assets | 0.9845% | 1,101 |
| Noninterest expense to average assets | 2.2213% | 3,013 |
| Loan and lease loss provision to assets | 0.0383% | 2,229 |
| Net operating income to assets | 1.5592% | 1,149 |
| Return on assets (ROA) | 1.5608% | 1,207 |
| Pretax return on assets | 2.0220% | 802 |
| Return on Equity (ROE) | 13.4806% | 1,570 |
| Retained earnings to average equity (ytd only) | 13.4806% | 640 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9033% | 4,056 |
| Assets per employee ($millions) | 6.5202% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 2,085 |
| Loan loss allowance to noncurrent loans | 1,529.5337% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,839 |
| Noncurrent loans to loans | 0.0898% | 3,727 |
| Net loans and leases to total assets | 65.0033% | 1,829 |
| Net loans and leases to deposits | 74.6727% | 1,937 |
| Net loans and leases to core deposits | 76.6231% | 2,179 |
| Total domestic deposits to total assets | 87.0511% | 2,287 |
| Equity capital to assets | 11.4462% | 1,662 |
| Core capital (leverage) ratio | 11.3745% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9141% | 1,662 |
| Memoranda: | ||
| Average total assets | $313,053,333 | 2,395 |
| Average earning assets | $293,057,667 | 2,387 |
| Average equity | $36,244,667 | 2,261 |
| Average total loans | $206,645,667 | 2,231 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 1,803 |
| Cost of funding earning assets | 0.4263% | 1,892 |
| Net interest margin | 3.4851% | 1,866 |
| Noninterest income to average assets | 1.2304% | 821 |
| Noninterest expense to average assets | 2.1202% | 3,358 |
| Loan and lease loss provision to assets | 0.0391% | 2,255 |
| Net operating income to assets | 1.7974% | 790 |
| Return on assets (ROA) | 1.8005% | 841 |
| Pretax return on assets | 2.3498% | 557 |
| Return on Equity (ROE) | 15.4583% | 1,123 |
| Retained earnings to average equity (ytd only) | 15.4583% | 580 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0605% | 4,402 |
| Assets per employee ($millions) | 6.1978% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 1,973 |
| Loan loss allowance to noncurrent loans | 1,404.8077% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,897 |
| Noncurrent loans to loans | 0.0994% | 3,807 |
| Net loans and leases to total assets | 66.5918% | 1,721 |
| Net loans and leases to deposits | 76.7317% | 1,830 |
| Net loans and leases to core deposits | 78.8811% | 2,105 |
| Total domestic deposits to total assets | 86.7852% | 2,399 |
| Equity capital to assets | 11.5771% | 1,497 |
| Core capital (leverage) ratio | 11.4339% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0138% | 1,565 |
| Memoranda: | ||
| Average total assets | $306,574,500 | 2,411 |
| Average earning assets | $288,082,500 | 2,394 |
| Average equity | $35,709,000 | 2,275 |
| Average total loans | $202,533,500 | 2,267 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 2,267 |
| Cost of funding earning assets | 0.6150% | 2,209 |
| Net interest margin | 3.5397% | 2,340 |
| Noninterest income to average assets | 0.9027% | 1,257 |
| Noninterest expense to average assets | 2.5865% | 2,595 |
| Loan and lease loss provision to assets | 0.1718% | 2,241 |
| Net operating income to assets | 1.1636% | 1,673 |
| Return on assets (ROA) | 1.1681% | 1,771 |
| Pretax return on assets | 1.4502% | 1,507 |
| Return on Equity (ROE) | 9.3191% | 2,276 |
| Retained earnings to average equity (ytd only) | 6.4033% | 1,634 |
| Net charge-offs to loans | -0.0011% | 3,950 |
| Credit loss provision to net charge-offs | -23,500.0000% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5391% | 3,218 |
| Assets per employee ($millions) | 6.1890% | 2,177 |
| Cash dividends to net income (ytd only)* | 31.2891% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,665 |
| Loan loss allowance to noncurrent loans | 1,175.6098% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 3,927 |
| Noncurrent loans to loans | 0.1256% | 3,781 |
| Net loans and leases to total assets | 63.6063% | 2,415 |
| Net loans and leases to deposits | 74.3905% | 2,447 |
| Net loans and leases to core deposits | 77.2131% | 2,623 |
| Total domestic deposits to total assets | 85.5032% | 2,569 |
| Equity capital to assets | 11.7199% | 1,721 |
| Core capital (leverage) ratio | 11.1692% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2777% | 1,749 |
| Memoranda: | ||
| Average total assets | $273,611,000 | 2,436 |
| Average earning assets | $255,107,400 | 2,440 |
| Average equity | $34,295,000 | 2,268 |
| Average total loans | $183,677,000 | 2,381 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 1,971 |
| Cost of funding earning assets | 0.6592% | 2,274 |
| Net interest margin | 3.6902% | 1,976 |
| Noninterest income to average assets | 0.7959% | 1,513 |
| Noninterest expense to average assets | 2.4828% | 2,901 |
| Loan and lease loss provision to assets | 0.0451% | 3,793 |
| Net operating income to assets | 1.3599% | 1,202 |
| Return on assets (ROA) | 1.3599% | 1,301 |
| Pretax return on assets | 1.7085% | 955 |
| Return on Equity (ROE) | 10.6520% | 1,801 |
| Retained earnings to average equity (ytd only) | 10.6520% | 641 |
| Net charge-offs to loans | -0.0015% | 3,852 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6072% | 3,581 |
| Assets per employee ($millions) | 6.0909% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2993% | 2,157 |
| Loan loss allowance to noncurrent loans | 1,000.7968% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 4,004 |
| Noncurrent loans to loans | 0.1298% | 3,866 |
| Net loans and leases to total assets | 65.2695% | 2,612 |
| Net loans and leases to deposits | 78.1153% | 2,522 |
| Net loans and leases to core deposits | 80.7437% | 2,778 |
| Total domestic deposits to total assets | 83.5554% | 2,969 |
| Equity capital to assets | 12.2912% | 1,523 |
| Core capital (leverage) ratio | 11.8686% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2203% | 1,759 |
| Memoranda: | ||
| Average total assets | $266,198,500 | 2,462 |
| Average earning assets | $248,184,000 | 2,467 |
| Average equity | $33,983,250 | 2,279 |
| Average total loans | $180,650,000 | 2,408 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6545% | 1,524 |
| Cost of funding earning assets | 0.7060% | 2,345 |
| Net interest margin | 3.9485% | 1,447 |
| Noninterest income to average assets | 0.6968% | 1,747 |
| Noninterest expense to average assets | 2.5649% | 2,780 |
| Loan and lease loss provision to assets | 0.0466% | 3,718 |
| Net operating income to assets | 1.4106% | 1,089 |
| Return on assets (ROA) | 1.4106% | 1,181 |
| Pretax return on assets | 1.7695% | 862 |
| Return on Equity (ROE) | 10.8962% | 1,666 |
| Retained earnings to average equity (ytd only) | 10.8962% | 620 |
| Net charge-offs to loans | -0.0011% | 3,765 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5461% | 3,620 |
| Assets per employee ($millions) | 5.9218% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 1,818 |
| Loan loss allowance to noncurrent loans | 965.3696% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 4,064 |
| Noncurrent loans to loans | 0.1390% | 3,899 |
| Net loans and leases to total assets | 65.5615% | 2,691 |
| Net loans and leases to deposits | 79.0071% | 2,540 |
| Net loans and leases to core deposits | 82.2793% | 2,758 |
| Total domestic deposits to total assets | 82.9818% | 3,093 |
| Equity capital to assets | 12.5300% | 1,362 |
| Core capital (leverage) ratio | 12.4770% | 1,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3817% | 1,398 |
| Memoranda: | ||
| Average total assets | $257,477,000 | 2,492 |
| Average earning assets | $240,240,333 | 2,487 |
| Average equity | $33,332,667 | 2,303 |
| Average total loans | $176,421,333 | 2,424 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 2,733 |
| Cost of funding earning assets | 0.7879% | 2,459 |
| Net interest margin | 3.5758% | 2,750 |
| Noninterest income to average assets | 0.5456% | 2,304 |
| Noninterest expense to average assets | 2.5177% | 3,224 |
| Loan and lease loss provision to assets | 0.0324% | 3,366 |
| Net operating income to assets | 1.0961% | 1,855 |
| Return on assets (ROA) | 1.0961% | 1,956 |
| Pretax return on assets | 1.3244% | 1,801 |
| Return on Equity (ROE) | 8.3164% | 2,378 |
| Retained earnings to average equity (ytd only) | 8.3164% | 1,137 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9812% | 3,091 |
| Assets per employee ($millions) | 5.2890% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 1,509 |
| Loan loss allowance to noncurrent loans | 475.6335% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 3,651 |
| Noncurrent loans to loans | 0.3062% | 3,406 |
| Net loans and leases to total assets | 66.4147% | 2,765 |
| Net loans and leases to deposits | 79.8403% | 2,695 |
| Net loans and leases to core deposits | 83.9065% | 2,861 |
| Total domestic deposits to total assets | 83.1844% | 3,044 |
| Equity capital to assets | 13.3105% | 1,301 |
| Core capital (leverage) ratio | 12.9102% | 1,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5900% | 1,216 |
| Memoranda: | ||
| Average total assets | $247,053,000 | 2,509 |
| Average earning assets | $229,989,000 | 2,497 |
| Average equity | $32,562,000 | 2,325 |
| Average total loans | $172,154,500 | 2,436 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6425% | 2,494 |
| Cost of funding earning assets | 0.8053% | 2,656 |
| Net interest margin | 3.8372% | 2,379 |
| Noninterest income to average assets | 0.5017% | 2,730 |
| Noninterest expense to average assets | 2.6950% | 2,897 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1311% | 2,330 |
| Return on assets (ROA) | 1.2219% | 2,065 |
| Pretax return on assets | 1.4954% | 1,821 |
| Return on Equity (ROE) | 8.8652% | 2,812 |
| Retained earnings to average equity (ytd only) | 1.8884% | 4,046 |
| Net charge-offs to loans | -0.0262% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0591% | 2,759 |
| Assets per employee ($millions) | 5.2239% | 2,322 |
| Cash dividends to net income (ytd only)* | 78.6988% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 1,631 |
| Loan loss allowance to noncurrent loans | 383.5182% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,406 |
| Noncurrent loans to loans | 0.3570% | 3,169 |
| Net loans and leases to total assets | 71.0131% | 2,247 |
| Net loans and leases to deposits | 85.8243% | 2,115 |
| Net loans and leases to core deposits | 90.5085% | 2,375 |
| Total domestic deposits to total assets | 82.7424% | 3,293 |
| Equity capital to assets | 13.0482% | 1,489 |
| Core capital (leverage) ratio | 12.9133% | 1,275 |
| Tier 1 risk-based capital ratio | 16.0296% | 2,395 |
| Total risk-based capital ratio | 17.2734% | 2,344 |
| Memoranda: | ||
| Average total assets | $233,988,800 | 2,550 |
| Average earning assets | $218,180,200 | 2,542 |
| Average equity | $32,249,800 | 2,289 |
| Average total loans | $167,988,000 | 2,429 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6934% | 2,437 |
| Cost of funding earning assets | 0.8039% | 2,698 |
| Net interest margin | 3.8895% | 2,293 |
| Noninterest income to average assets | 0.4333% | 3,119 |
| Noninterest expense to average assets | 2.6342% | 3,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1578% | 2,335 |
| Return on assets (ROA) | 1.2756% | 2,012 |
| Pretax return on assets | 1.5733% | 1,727 |
| Return on Equity (ROE) | 9.1258% | 2,838 |
| Retained earnings to average equity (ytd only) | 9.1258% | 1,013 |
| Net charge-offs to loans | -0.0032% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8487% | 2,888 |
| Assets per employee ($millions) | 5.0971% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 1,555 |
| Loan loss allowance to noncurrent loans | 314.3989% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 3,280 |
| Noncurrent loans to loans | 0.4473% | 2,965 |
| Net loans and leases to total assets | 69.6450% | 2,528 |
| Net loans and leases to deposits | 85.1324% | 2,305 |
| Net loans and leases to core deposits | 89.1981% | 2,615 |
| Total domestic deposits to total assets | 81.8079% | 3,528 |
| Equity capital to assets | 14.0651% | 1,126 |
| Core capital (leverage) ratio | 14.0336% | 976 |
| Tier 1 risk-based capital ratio | 17.3163% | 1,993 |
| Total risk-based capital ratio | 18.5662% | 1,954 |
| Memoranda: | ||
| Average total assets | $231,105,750 | 2,596 |
| Average earning assets | $215,617,250 | 2,584 |
| Average equity | $32,303,250 | 2,297 |
| Average total loans | $165,792,000 | 2,476 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 2,332 |
| Cost of funding earning assets | 0.7931% | 2,678 |
| Net interest margin | 3.9167% | 2,198 |
| Noninterest income to average assets | 0.4091% | 3,219 |
| Noninterest expense to average assets | 2.5810% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1980% | 2,157 |
| Return on assets (ROA) | 1.3194% | 1,760 |
| Pretax return on assets | 1.6383% | 1,429 |
| Return on Equity (ROE) | 9.4600% | 2,654 |
| Retained earnings to average equity (ytd only) | 9.4600% | 919 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4230% | 3,224 |
| Assets per employee ($millions) | 5.0242% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4642% | 1,376 |
| Loan loss allowance to noncurrent loans | 341.3793% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3012% | 3,342 |
| Noncurrent loans to loans | 0.4289% | 2,994 |
| Net loans and leases to total assets | 69.1836% | 2,649 |
| Net loans and leases to deposits | 85.0124% | 2,366 |
| Net loans and leases to core deposits | 89.2360% | 2,666 |
| Total domestic deposits to total assets | 81.3806% | 3,700 |
| Equity capital to assets | 14.2337% | 1,036 |
| Core capital (leverage) ratio | 14.1572% | 920 |
| Tier 1 risk-based capital ratio | 17.6422% | 1,897 |
| Total risk-based capital ratio | 18.8925% | 1,852 |
| Memoranda: | ||
| Average total assets | $228,286,000 | 2,624 |
| Average earning assets | $213,344,000 | 2,611 |
| Average equity | $31,839,330 | 2,312 |
| Average total loans | $164,647,670 | 2,490 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 2,260 |
| Cost of funding earning assets | 0.7876% | 2,610 |
| Net interest margin | 3.9021% | 2,182 |
| Noninterest income to average assets | 0.3914% | 3,244 |
| Noninterest expense to average assets | 2.5706% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1977% | 2,064 |
| Return on assets (ROA) | 1.2077% | 2,077 |
| Pretax return on assets | 1.4934% | 1,794 |
| Return on Equity (ROE) | 8.7509% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.7509% | 1,403 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4465% | 3,328 |
| Assets per employee ($millions) | 4.8158% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 1,636 |
| Loan loss allowance to noncurrent loans | 336.5439% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.3119% | 3,355 |
| Noncurrent loans to loans | 0.4192% | 3,088 |
| Net loans and leases to total assets | 73.3539% | 1,923 |
| Net loans and leases to deposits | 90.0863% | 1,614 |
| Net loans and leases to core deposits | 94.2415% | 2,102 |
| Total domestic deposits to total assets | 81.4263% | 3,874 |
| Equity capital to assets | 14.0531% | 1,017 |
| Core capital (leverage) ratio | 13.7222% | 1,019 |
| Tier 1 risk-based capital ratio | 16.8054% | 2,171 |
| Total risk-based capital ratio | 18.0556% | 2,122 |
| Memoranda: | ||
| Average total assets | $226,872,000 | 2,660 |
| Average earning assets | $212,808,500 | 2,643 |
| Average equity | $31,311,000 | 2,340 |
| Average total loans | $165,837,000 | 2,506 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 2,350 |
| Cost of funding earning assets | 0.6728% | 2,249 |
| Net interest margin | 3.8631% | 2,456 |
| Noninterest income to average assets | 0.6703% | 1,961 |
| Noninterest expense to average assets | 2.8140% | 2,642 |
| Loan and lease loss provision to assets | -0.2881% | 5,359 |
| Net operating income to assets | 1.3730% | 1,524 |
| Return on assets (ROA) | 1.3627% | 1,548 |
| Pretax return on assets | 1.7381% | 1,072 |
| Return on Equity (ROE) | 10.2227% | 2,433 |
| Retained earnings to average equity (ytd only) | 8.3566% | 1,100 |
| Net charge-offs to loans | -0.3421% | 5,316 |
| Credit loss provision to net charge-offs | 112.5442% | 2,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7925% | 2,897 |
| Assets per employee ($millions) | 4.8384% | 2,688 |
| Cash dividends to net income (ytd only)* | 18.2542% | 3,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 1,431 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,221 |
| Noncurrent loans to loans | 0.4630% | 2,885 |
| Net loans and leases to total assets | 70.7519% | 2,450 |
| Net loans and leases to deposits | 87.4694% | 2,118 |
| Net loans and leases to core deposits | 91.2541% | 2,474 |
| Total domestic deposits to total assets | 80.8877% | 3,919 |
| Equity capital to assets | 13.5504% | 1,121 |
| Core capital (leverage) ratio | 13.7195% | 1,006 |
| Tier 1 risk-based capital ratio | 15.8593% | 2,463 |
| Total risk-based capital ratio | 17.0903% | 2,399 |
| Memoranda: | ||
| Average total assets | $221,109,200 | 2,688 |
| Average earning assets | $206,438,000 | 2,667 |
| Average equity | $29,473,600 | 2,366 |
| Average total loans | $165,458,800 | 2,476 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 2,277 |
| Cost of funding earning assets | 0.6464% | 2,170 |
| Net interest margin | 3.8597% | 2,436 |
| Noninterest income to average assets | 0.6480% | 2,083 |
| Noninterest expense to average assets | 2.6631% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2499% | 2,046 |
| Return on assets (ROA) | 1.2499% | 2,055 |
| Pretax return on assets | 1.5894% | 1,617 |
| Return on Equity (ROE) | 9.4169% | 2,894 |
| Retained earnings to average equity (ytd only) | 9.4169% | 1,069 |
| Net charge-offs to loans | -0.0048% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6250% | 3,403 |
| Assets per employee ($millions) | 4.7337% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,328 |
| Loan loss allowance to noncurrent loans | 289.2689% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 3,162 |
| Noncurrent loans to loans | 0.5204% | 2,826 |
| Net loans and leases to total assets | 72.1427% | 2,310 |
| Net loans and leases to deposits | 89.0197% | 2,017 |
| Net loans and leases to core deposits | 92.9591% | 2,396 |
| Total domestic deposits to total assets | 81.0413% | 3,855 |
| Equity capital to assets | 13.5565% | 1,119 |
| Core capital (leverage) ratio | 13.8126% | 993 |
| Tier 1 risk-based capital ratio | 16.6376% | 2,226 |
| Total risk-based capital ratio | 17.8886% | 2,172 |
| Memoranda: | ||
| Average total assets | $219,535,750 | 2,712 |
| Average earning assets | $205,020,000 | 2,693 |
| Average equity | $29,138,500 | 2,395 |
| Average total loans | $166,006,500 | 2,490 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 2,290 |
| Cost of funding earning assets | 0.6231% | 2,087 |
| Net interest margin | 3.8161% | 2,518 |
| Noninterest income to average assets | 0.5061% | 2,827 |
| Noninterest expense to average assets | 2.5294% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1860% | 2,254 |
| Return on assets (ROA) | 1.1860% | 2,254 |
| Pretax return on assets | 1.5356% | 1,695 |
| Return on Equity (ROE) | 9.0007% | 3,019 |
| Retained earnings to average equity (ytd only) | 9.0007% | 1,222 |
| Net charge-offs to loans | -0.0084% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2242% | 3,595 |
| Assets per employee ($millions) | 4.7432% | 2,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,466 |
| Loan loss allowance to noncurrent loans | 281.7451% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 3,141 |
| Noncurrent loans to loans | 0.5243% | 2,849 |
| Net loans and leases to total assets | 75.0210% | 1,785 |
| Net loans and leases to deposits | 92.5972% | 1,512 |
| Net loans and leases to core deposits | 97.0376% | 1,962 |
| Total domestic deposits to total assets | 81.0186% | 3,995 |
| Equity capital to assets | 13.4903% | 1,105 |
| Core capital (leverage) ratio | 13.5586% | 1,049 |
| Tier 1 risk-based capital ratio | 16.1380% | 2,391 |
| Total risk-based capital ratio | 17.3888% | 2,327 |
| Memoranda: | ||
| Average total assets | $218,553,000 | 2,740 |
| Average earning assets | $203,822,000 | 2,716 |
| Average equity | $28,797,670 | 2,426 |
| Average total loans | $167,022,330 | 2,487 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,389 |
| Cost of funding earning assets | 0.6117% | 1,968 |
| Net interest margin | 3.7273% | 2,699 |
| Noninterest income to average assets | 0.4499% | 3,111 |
| Noninterest expense to average assets | 2.5272% | 3,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1320% | 2,279 |
| Return on assets (ROA) | 1.1320% | 2,297 |
| Pretax return on assets | 1.3989% | 2,009 |
| Return on Equity (ROE) | 8.6940% | 3,066 |
| Retained earnings to average equity (ytd only) | 8.6940% | 1,579 |
| Net charge-offs to loans | -0.0096% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3689% | 3,423 |
| Assets per employee ($millions) | 4.8372% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,559 |
| Loan loss allowance to noncurrent loans | 333.0163% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 3,491 |
| Noncurrent loans to loans | 0.4431% | 3,202 |
| Net loans and leases to total assets | 75.1835% | 1,674 |
| Net loans and leases to deposits | 92.3582% | 1,412 |
| Net loans and leases to core deposits | 99.5589% | 1,721 |
| Total domestic deposits to total assets | 81.4043% | 4,113 |
| Equity capital to assets | 13.2184% | 1,150 |
| Core capital (leverage) ratio | 13.2679% | 1,084 |
| Tier 1 risk-based capital ratio | 15.9679% | 2,490 |
| Total risk-based capital ratio | 17.2191% | 2,429 |
| Memoranda: | ||
| Average total assets | $218,736,000 | 2,768 |
| Average earning assets | $204,009,000 | 2,750 |
| Average equity | $28,479,500 | 2,468 |
| Average total loans | $167,463,500 | 2,501 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,332 |
| Cost of funding earning assets | 0.5064% | 2,275 |
| Net interest margin | 3.7934% | 2,452 |
| Noninterest income to average assets | 0.5259% | 2,844 |
| Noninterest expense to average assets | 2.7374% | 3,008 |
| Loan and lease loss provision to assets | 0.0858% | 2,480 |
| Net operating income to assets | 0.8466% | 2,969 |
| Return on assets (ROA) | 0.8473% | 2,990 |
| Pretax return on assets | 1.2221% | 2,678 |
| Return on Equity (ROE) | 6.4170% | 3,571 |
| Retained earnings to average equity (ytd only) | 4.9726% | 2,147 |
| Net charge-offs to loans | 0.5907% | 389 |
| Credit loss provision to net charge-offs | 19.5016% | 3,615 |
| Earnings coverage of net charge-offs (x) | 2.9697% | 3,667 |
| Efficiency ratio | 67.6845% | 2,958 |
| Assets per employee ($millions) | 4.8844% | 2,625 |
| Cash dividends to net income (ytd only)* | 22.5098% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 1,585 |
| Loan loss allowance to noncurrent loans | 263.9698% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 3,180 |
| Noncurrent loans to loans | 0.5491% | 2,853 |
| Net loans and leases to total assets | 75.6940% | 1,654 |
| Net loans and leases to deposits | 96.2005% | 1,073 |
| Net loans and leases to core deposits | 101.4395% | 1,594 |
| Total domestic deposits to total assets | 78.6836% | 4,608 |
| Equity capital to assets | 12.8236% | 1,346 |
| Core capital (leverage) ratio | 13.2387% | 1,060 |
| Tier 1 risk-based capital ratio | 15.4143% | 2,652 |
| Total risk-based capital ratio | 16.6650% | 2,593 |
| Memoranda: | ||
| Average total assets | $209,723,600 | 2,826 |
| Average earning assets | $194,524,400 | 2,817 |
| Average equity | $27,692,000 | 2,504 |
| Average total loans | $156,251,800 | 2,589 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 2,322 |
| Cost of funding earning assets | 0.4946% | 2,315 |
| Net interest margin | 3.7849% | 2,458 |
| Noninterest income to average assets | 0.5244% | 2,873 |
| Noninterest expense to average assets | 2.7161% | 3,005 |
| Loan and lease loss provision to assets | 0.0869% | 2,350 |
| Net operating income to assets | 0.9475% | 2,791 |
| Return on assets (ROA) | 0.9485% | 2,853 |
| Pretax return on assets | 1.2335% | 2,774 |
| Return on Equity (ROE) | 7.1287% | 3,579 |
| Retained earnings to average equity (ytd only) | 7.1287% | 1,623 |
| Net charge-offs to loans | 0.7985% | 231 |
| Credit loss provision to net charge-offs | 14.7219% | 3,196 |
| Earnings coverage of net charge-offs (x) | 2.2355% | 3,490 |
| Efficiency ratio | 67.3098% | 2,997 |
| Assets per employee ($millions) | 4.6689% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 1,420 |
| Loan loss allowance to noncurrent loans | 200.3328% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 2,810 |
| Noncurrent loans to loans | 0.7651% | 2,448 |
| Net loans and leases to total assets | 73.6266% | 1,975 |
| Net loans and leases to deposits | 91.4969% | 1,624 |
| Net loans and leases to core deposits | 97.0056% | 1,980 |
| Total domestic deposits to total assets | 80.4690% | 4,215 |
| Equity capital to assets | 13.4735% | 1,169 |
| Core capital (leverage) ratio | 13.5473% | 1,011 |
| Tier 1 risk-based capital ratio | 16.8953% | 2,183 |
| Total risk-based capital ratio | 18.1474% | 2,141 |
| Memoranda: | ||
| Average total assets | $207,205,000 | 2,871 |
| Average earning assets | $192,196,500 | 2,871 |
| Average equity | $27,568,500 | 2,532 |
| Average total loans | $153,109,500 | 2,635 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 2,418 |
| Cost of funding earning assets | 0.4845% | 2,291 |
| Net interest margin | 3.7296% | 2,544 |
| Noninterest income to average assets | 0.5382% | 2,773 |
| Noninterest expense to average assets | 2.6794% | 3,165 |
| Loan and lease loss provision to assets | 0.0873% | 2,235 |
| Net operating income to assets | 0.9459% | 2,685 |
| Return on assets (ROA) | 0.9474% | 2,731 |
| Pretax return on assets | 1.2296% | 2,659 |
| Return on Equity (ROE) | 7.1517% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.1517% | 1,517 |
| Net charge-offs to loans | 1.2083% | 161 |
| Credit loss provision to net charge-offs | 9.8146% | 2,856 |
| Earnings coverage of net charge-offs (x) | 1.4787% | 3,276 |
| Efficiency ratio | 67.0794% | 3,172 |
| Assets per employee ($millions) | 4.7768% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 1,528 |
| Loan loss allowance to noncurrent loans | 190.4110% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 2,801 |
| Noncurrent loans to loans | 0.7960% | 2,417 |
| Net loans and leases to total assets | 73.0506% | 2,032 |
| Net loans and leases to deposits | 91.0626% | 1,599 |
| Net loans and leases to core deposits | 97.1907% | 1,876 |
| Total domestic deposits to total assets | 80.2202% | 4,361 |
| Equity capital to assets | 13.2344% | 1,260 |
| Core capital (leverage) ratio | 13.2040% | 1,102 |
| Tier 1 risk-based capital ratio | 16.2608% | 2,407 |
| Total risk-based capital ratio | 17.5120% | 2,350 |
| Memoranda: | ||
| Average total assets | $206,239,330 | 2,891 |
| Average earning assets | $191,117,670 | 2,896 |
| Average equity | $27,322,000 | 2,550 |
| Average total loans | $151,779,670 | 2,663 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 2,494 |
| Cost of funding earning assets | 0.4678% | 2,361 |
| Net interest margin | 3.6771% | 2,572 |
| Noninterest income to average assets | 0.5522% | 2,651 |
| Noninterest expense to average assets | 2.6573% | 3,287 |
| Loan and lease loss provision to assets | 0.0881% | 2,071 |
| Net operating income to assets | 0.9282% | 2,626 |
| Return on assets (ROA) | 0.9282% | 2,681 |
| Pretax return on assets | 1.2082% | 2,558 |
| Return on Equity (ROE) | 7.0028% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.0028% | 1,845 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2115% | 3,315 |
| Assets per employee ($millions) | 4.6660% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1187% | 533 |
| Loan loss allowance to noncurrent loans | 137.5425% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.1202% | 1,585 |
| Noncurrent loans to loans | 1.5404% | 1,281 |
| Net loans and leases to total assets | 71.1774% | 2,189 |
| Net loans and leases to deposits | 88.0850% | 1,785 |
| Net loans and leases to core deposits | 96.7020% | 1,772 |
| Total domestic deposits to total assets | 80.8054% | 4,461 |
| Equity capital to assets | 13.0108% | 1,251 |
| Core capital (leverage) ratio | 13.4613% | 986 |
| Tier 1 risk-based capital ratio | 16.2961% | 2,436 |
| Total risk-based capital ratio | 17.5541% | 2,376 |
| Memoranda: | ||
| Average total assets | $204,269,500 | 2,945 |
| Average earning assets | $188,955,000 | 2,952 |
| Average equity | $27,075,000 | 2,571 |
| Average total loans | $149,719,500 | 2,704 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2437% | 2,336 |
| Cost of funding earning assets | 0.4234% | 2,775 |
| Net interest margin | 3.8203% | 2,247 |
| Noninterest income to average assets | 0.6488% | 2,423 |
| Noninterest expense to average assets | 2.9589% | 2,468 |
| Loan and lease loss provision to assets | 0.0933% | 2,493 |
| Net operating income to assets | 0.8766% | 2,948 |
| Return on assets (ROA) | 0.8778% | 3,053 |
| Pretax return on assets | 1.1193% | 3,021 |
| Return on Equity (ROE) | 6.4233% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.1482% | 2,953 |
| Net charge-offs to loans | 0.0071% | 4,016 |
| Credit loss provision to net charge-offs | 1,800.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 233.7000% | 303 |
| Efficiency ratio | 70.9581% | 2,757 |
| Assets per employee ($millions) | 4.4126% | 3,251 |
| Cash dividends to net income (ytd only)* | 35.4191% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1737% | 484 |
| Loan loss allowance to noncurrent loans | 139.0584% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.1553% | 1,591 |
| Noncurrent loans to loans | 1.5632% | 1,265 |
| Net loans and leases to total assets | 72.2987% | 2,125 |
| Net loans and leases to deposits | 89.6825% | 1,720 |
| Net loans and leases to core deposits | 95.0521% | 2,003 |
| Total domestic deposits to total assets | 80.6162% | 4,429 |
| Equity capital to assets | 13.5122% | 1,044 |
| Core capital (leverage) ratio | 13.8047% | 868 |
| Tier 1 risk-based capital ratio | 16.6130% | 2,302 |
| Total risk-based capital ratio | 17.8717% | 2,240 |
| Memoranda: | ||
| Average total assets | $192,976,200 | 3,036 |
| Average earning assets | $177,864,600 | 3,036 |
| Average equity | $26,372,600 | 2,605 |
| Average total loans | $140,816,400 | 2,773 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 2,292 |
| Cost of funding earning assets | 0.4202% | 2,842 |
| Net interest margin | 3.8420% | 2,187 |
| Noninterest income to average assets | 0.5895% | 2,715 |
| Noninterest expense to average assets | 2.8994% | 2,650 |
| Loan and lease loss provision to assets | 0.0940% | 2,348 |
| Net operating income to assets | 0.8920% | 2,948 |
| Return on assets (ROA) | 0.8936% | 3,071 |
| Pretax return on assets | 1.1428% | 3,074 |
| Return on Equity (ROE) | 6.5198% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.2503% | 2,668 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1347% | 2,867 |
| Assets per employee ($millions) | 4.3342% | 3,360 |
| Cash dividends to net income (ytd only)* | 19.4707% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2221% | 494 |
| Loan loss allowance to noncurrent loans | 70.1489% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.3231% | 610 |
| Noncurrent loans to loans | 3.1677% | 452 |
| Net loans and leases to total assets | 71.2013% | 2,317 |
| Net loans and leases to deposits | 89.2998% | 1,844 |
| Net loans and leases to core deposits | 95.7916% | 2,014 |
| Total domestic deposits to total assets | 79.7329% | 4,570 |
| Equity capital to assets | 13.7618% | 1,137 |
| Core capital (leverage) ratio | 13.9215% | 873 |
| Tier 1 risk-based capital ratio | 16.7781% | 2,310 |
| Total risk-based capital ratio | 18.0370% | 2,257 |
| Memoranda: | ||
| Average total assets | $191,578,250 | 3,059 |
| Average earning assets | $176,743,250 | 3,056 |
| Average equity | $26,258,000 | 2,637 |
| Average total loans | $139,332,500 | 2,796 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,440 |
| Cost of funding earning assets | 0.4134% | 2,906 |
| Net interest margin | 3.8072% | 2,294 |
| Noninterest income to average assets | 0.5703% | 2,795 |
| Noninterest expense to average assets | 2.8526% | 2,835 |
| Loan and lease loss provision to assets | 0.0945% | 2,265 |
| Net operating income to assets | 0.8924% | 2,897 |
| Return on assets (ROA) | 0.8948% | 3,010 |
| Pretax return on assets | 1.1375% | 3,050 |
| Return on Equity (ROE) | 6.5378% | 3,784 |
| Retained earnings to average equity (ytd only) | 4.6195% | 2,969 |
| Net charge-offs to loans | -0.0014% | 4,342 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8919% | 2,995 |
| Assets per employee ($millions) | 4.3601% | 3,283 |
| Cash dividends to net income (ytd only)* | 29.3427% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1853% | 555 |
| Loan loss allowance to noncurrent loans | 69.4575% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 2.3514% | 624 |
| Noncurrent loans to loans | 3.1462% | 453 |
| Net loans and leases to total assets | 72.5857% | 2,071 |
| Net loans and leases to deposits | 91.0465% | 1,622 |
| Net loans and leases to core deposits | 98.6980% | 1,755 |
| Total domestic deposits to total assets | 79.7237% | 4,619 |
| Equity capital to assets | 13.7689% | 1,109 |
| Core capital (leverage) ratio | 13.8367% | 865 |
| Tier 1 risk-based capital ratio | 16.5658% | 2,402 |
| Total risk-based capital ratio | 17.8242% | 2,348 |
| Memoranda: | ||
| Average total assets | $190,424,330 | 3,085 |
| Average earning assets | $175,615,000 | 3,086 |
| Average equity | $26,063,670 | 2,662 |
| Average total loans | $138,434,330 | 2,815 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,441 |
| Cost of funding earning assets | 0.4114% | 2,942 |
| Net interest margin | 3.7968% | 2,299 |
| Noninterest income to average assets | 0.4892% | 3,200 |
| Noninterest expense to average assets | 2.8000% | 3,073 |
| Loan and lease loss provision to assets | 0.0949% | 2,111 |
| Net operating income to assets | 0.8771% | 2,867 |
| Return on assets (ROA) | 0.8771% | 2,979 |
| Pretax return on assets | 1.0964% | 3,105 |
| Return on Equity (ROE) | 6.4277% | 3,768 |
| Retained earnings to average equity (ytd only) | 2.5649% | 4,218 |
| Net charge-offs to loans | -0.0029% | 4,173 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1532% | 3,092 |
| Assets per employee ($millions) | 4.5417% | 2,999 |
| Cash dividends to net income (ytd only)* | 60.0962% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2199% | 575 |
| Loan loss allowance to noncurrent loans | 69.6027% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 2.3260% | 669 |
| Noncurrent loans to loans | 3.1894% | 474 |
| Net loans and leases to total assets | 70.7973% | 2,219 |
| Net loans and leases to deposits | 87.7864% | 1,854 |
| Net loans and leases to core deposits | 95.4322% | 1,847 |
| Total domestic deposits to total assets | 80.6472% | 4,591 |
| Equity capital to assets | 13.6192% | 1,132 |
| Core capital (leverage) ratio | 13.4791% | 993 |
| Tier 1 risk-based capital ratio | 16.5636% | 2,452 |
| Total risk-based capital ratio | 17.8219% | 2,400 |
| Memoranda: | ||
| Average total assets | $189,714,000 | 3,094 |
| Average earning assets | $174,991,500 | 3,102 |
| Average equity | $25,888,000 | 2,673 |
| Average total loans | $136,470,000 | 2,847 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 2,537 |
| Cost of funding earning assets | 0.3750% | 3,425 |
| Net interest margin | 3.8316% | 2,270 |
| Noninterest income to average assets | 0.5136% | 3,236 |
| Noninterest expense to average assets | 3.0463% | 2,400 |
| Loan and lease loss provision to assets | 0.0957% | 2,397 |
| Net operating income to assets | 0.7503% | 3,569 |
| Return on assets (ROA) | 0.7521% | 3,656 |
| Pretax return on assets | 0.8840% | 3,910 |
| Return on Equity (ROE) | 5.3234% | 4,362 |
| Retained earnings to average equity (ytd only) | -0.1936% | 5,538 |
| Net charge-offs to loans | 0.0318% | 3,583 |
| Credit loss provision to net charge-offs | 426.8293% | 720 |
| Earnings coverage of net charge-offs (x) | 43.5854% | 1,092 |
| Efficiency ratio | 75.7069% | 2,321 |
| Assets per employee ($millions) | 4.3878% | 3,238 |
| Cash dividends to net income (ytd only)* | 103.6364% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2399% | 559 |
| Loan loss allowance to noncurrent loans | 84.1460% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.9192% | 943 |
| Noncurrent loans to loans | 2.6619% | 667 |
| Net loans and leases to total assets | 69.8588% | 2,386 |
| Net loans and leases to deposits | 86.1314% | 2,122 |
| Net loans and leases to core deposits | 92.3749% | 2,181 |
| Total domestic deposits to total assets | 81.1072% | 4,451 |
| Equity capital to assets | 13.6727% | 1,052 |
| Core capital (leverage) ratio | 13.8499% | 861 |
| Tier 1 risk-based capital ratio | 17.1860% | 2,226 |
| Total risk-based capital ratio | 18.4455% | 2,175 |
| Memoranda: | ||
| Average total assets | $182,814,800 | 3,130 |
| Average earning assets | $167,473,600 | 3,155 |
| Average equity | $25,829,200 | 2,632 |
| Average total loans | $128,908,400 | 2,902 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2110% | 2,537 |
| Cost of funding earning assets | 0.3775% | 3,468 |
| Net interest margin | 3.8335% | 2,253 |
| Noninterest income to average assets | 0.4985% | 3,377 |
| Noninterest expense to average assets | 3.0158% | 2,468 |
| Loan and lease loss provision to assets | 0.1103% | 2,041 |
| Net operating income to assets | 0.7510% | 3,678 |
| Return on assets (ROA) | 0.7529% | 3,764 |
| Pretax return on assets | 0.8837% | 4,039 |
| Return on Equity (ROE) | 5.2842% | 4,499 |
| Retained earnings to average equity (ytd only) | 1.4139% | 5,157 |
| Net charge-offs to loans | 0.0345% | 3,224 |
| Credit loss provision to net charge-offs | 454.5455% | 695 |
| Earnings coverage of net charge-offs (x) | 40.8777% | 1,225 |
| Efficiency ratio | 75.2522% | 2,360 |
| Assets per employee ($millions) | 4.2677% | 3,388 |
| Cash dividends to net income (ytd only)* | 73.2425% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2764% | 587 |
| Loan loss allowance to noncurrent loans | 86.2931% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.9181% | 1,084 |
| Noncurrent loans to loans | 2.6380% | 743 |
| Net loans and leases to total assets | 70.2477% | 2,353 |
| Net loans and leases to deposits | 89.0074% | 1,767 |
| Net loans and leases to core deposits | 96.0854% | 1,869 |
| Total domestic deposits to total assets | 78.9234% | 4,997 |
| Equity capital to assets | 14.2448% | 931 |
| Core capital (leverage) ratio | 14.3131% | 782 |
| Tier 1 risk-based capital ratio | 17.3085% | 2,252 |
| Total risk-based capital ratio | 18.5671% | 2,201 |
| Memoranda: | ||
| Average total assets | $181,349,750 | 3,174 |
| Average earning assets | $166,006,250 | 3,199 |
| Average equity | $25,837,250 | 2,654 |
| Average total loans | $127,429,000 | 2,948 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 2,549 |
| Cost of funding earning assets | 0.3861% | 3,417 |
| Net interest margin | 3.8112% | 2,268 |
| Noninterest income to average assets | 0.4949% | 3,415 |
| Noninterest expense to average assets | 2.9187% | 2,824 |
| Loan and lease loss provision to assets | 0.1661% | 1,262 |
| Net operating income to assets | 0.7523% | 3,635 |
| Return on assets (ROA) | 0.7551% | 3,720 |
| Pretax return on assets | 0.8891% | 3,993 |
| Return on Equity (ROE) | 5.3000% | 4,488 |
| Retained earnings to average equity (ytd only) | -0.5284% | 5,614 |
| Net charge-offs to loans | -0.0048% | 4,724 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5081% | 2,749 |
| Assets per employee ($millions) | 4.1466% | 3,576 |
| Cash dividends to net income (ytd only)* | 109.9707% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3761% | 568 |
| Loan loss allowance to noncurrent loans | 84.6518% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 2.0554% | 1,055 |
| Noncurrent loans to loans | 2.8069% | 739 |
| Net loans and leases to total assets | 68.4357% | 2,581 |
| Net loans and leases to deposits | 83.6455% | 2,356 |
| Net loans and leases to core deposits | 91.1441% | 2,230 |
| Total domestic deposits to total assets | 81.8164% | 4,353 |
| Equity capital to assets | 14.1332% | 944 |
| Core capital (leverage) ratio | 14.3965% | 737 |
| Tier 1 risk-based capital ratio | 17.6420% | 2,176 |
| Total risk-based capital ratio | 18.9021% | 2,121 |
| Memoranda: | ||
| Average total assets | $180,629,000 | 3,208 |
| Average earning assets | $164,723,000 | 3,242 |
| Average equity | $25,736,000 | 2,671 |
| Average total loans | $125,933,330 | 2,985 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 2,470 |
| Cost of funding earning assets | 0.4057% | 3,242 |
| Net interest margin | 3.7903% | 2,258 |
| Noninterest income to average assets | 0.4852% | 3,389 |
| Noninterest expense to average assets | 2.6441% | 3,770 |
| Loan and lease loss provision to assets | 0.1669% | 1,198 |
| Net operating income to assets | 0.8917% | 2,780 |
| Return on assets (ROA) | 0.8970% | 2,881 |
| Pretax return on assets | 1.1329% | 2,933 |
| Return on Equity (ROE) | 6.2697% | 3,891 |
| Retained earnings to average equity (ytd only) | -5.3985% | 5,961 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1566% | 3,965 |
| Assets per employee ($millions) | 4.3644% | 3,256 |
| Cash dividends to net income (ytd only)* | 186.1042% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3861% | 628 |
| Loan loss allowance to noncurrent loans | 75.7677% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.3471% | 937 |
| Noncurrent loans to loans | 3.1493% | 656 |
| Net loans and leases to total assets | 67.6933% | 2,498 |
| Net loans and leases to deposits | 82.8552% | 2,227 |
| Net loans and leases to core deposits | 87.8302% | 2,349 |
| Total domestic deposits to total assets | 81.7007% | 4,609 |
| Equity capital to assets | 14.2757% | 898 |
| Core capital (leverage) ratio | 14.1625% | 780 |
| Tier 1 risk-based capital ratio | 17.7932% | 2,205 |
| Total risk-based capital ratio | 19.0529% | 2,157 |
| Memoranda: | ||
| Average total assets | $179,718,500 | 3,235 |
| Average earning assets | $163,682,500 | 3,271 |
| Average equity | $25,711,000 | 2,688 |
| Average total loans | $124,950,000 | 3,000 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,947 |
| Cost of funding earning assets | 0.4587% | 3,088 |
| Net interest margin | 3.7440% | 2,834 |
| Noninterest income to average assets | 0.5671% | 3,073 |
| Noninterest expense to average assets | 3.0548% | 2,669 |
| Loan and lease loss provision to assets | 0.6580% | 198 |
| Net operating income to assets | 0.3728% | 5,315 |
| Return on assets (ROA) | 0.3953% | 5,305 |
| Pretax return on assets | 0.2924% | 5,718 |
| Return on Equity (ROE) | 2.7892% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.0123% | 4,780 |
| Net charge-offs to loans | 1.6959% | 133 |
| Credit loss provision to net charge-offs | 56.2353% | 3,353 |
| Earnings coverage of net charge-offs (x) | 0.7929% | 4,566 |
| Efficiency ratio | 76.7040% | 2,413 |
| Assets per employee ($millions) | 4.5124% | 3,013 |
| Cash dividends to net income (ytd only)* | 27.8552% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2940% | 729 |
| Loan loss allowance to noncurrent loans | 72.2042% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.4588% | 944 |
| Noncurrent loans to loans | 3.1771% | 686 |
| Net loans and leases to total assets | 68.1023% | 2,541 |
| Net loans and leases to deposits | 81.2476% | 2,572 |
| Net loans and leases to core deposits | 85.9618% | 2,691 |
| Total domestic deposits to total assets | 83.8207% | 3,799 |
| Equity capital to assets | 14.3366% | 861 |
| Core capital (leverage) ratio | 14.2434% | 763 |
| Tier 1 risk-based capital ratio | 16.4618% | 2,730 |
| Total risk-based capital ratio | 17.6323% | 2,713 |
| Memoranda: | ||
| Average total assets | $181,614,600 | 3,187 |
| Average earning assets | $165,680,200 | 3,207 |
| Average equity | $25,741,800 | 2,590 |
| Average total loans | $125,304,800 | 2,953 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 3,075 |
| Cost of funding earning assets | 0.4659% | 3,093 |
| Net interest margin | 3.7101% | 2,987 |
| Noninterest income to average assets | 0.5542% | 3,177 |
| Noninterest expense to average assets | 2.8756% | 3,213 |
| Loan and lease loss provision to assets | 0.3299% | 556 |
| Net operating income to assets | 0.6612% | 4,155 |
| Return on assets (ROA) | 0.6612% | 4,256 |
| Pretax return on assets | 0.7345% | 4,574 |
| Return on Equity (ROE) | 4.6781% | 4,866 |
| Retained earnings to average equity (ytd only) | 3.6408% | 4,058 |
| Net charge-offs to loans | 0.0160% | 4,222 |
| Credit loss provision to net charge-offs | 3,000.0000% | 125 |
| Earnings coverage of net charge-offs (x) | 96.7975% | 600 |
| Efficiency ratio | 72.9860% | 3,000 |
| Assets per employee ($millions) | 4.5223% | 2,930 |
| Cash dividends to net income (ytd only)* | 22.1729% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3148% | 265 |
| Loan loss allowance to noncurrent loans | 63.5562% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 3.7216% | 556 |
| Noncurrent loans to loans | 5.2156% | 325 |
| Net loans and leases to total assets | 68.5289% | 2,461 |
| Net loans and leases to deposits | 83.6202% | 2,208 |
| Net loans and leases to core deposits | 89.8139% | 2,240 |
| Total domestic deposits to total assets | 81.9526% | 4,493 |
| Equity capital to assets | 14.4054% | 876 |
| Core capital (leverage) ratio | 14.2024% | 793 |
| Tier 1 risk-based capital ratio | 16.3376% | 2,882 |
| Total risk-based capital ratio | 17.5756% | 2,841 |
| Memoranda: | ||
| Average total assets | $181,894,250 | 3,216 |
| Average earning assets | $165,993,500 | 3,234 |
| Average equity | $25,708,000 | 2,608 |
| Average total loans | $125,179,000 | 2,973 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 3,244 |
| Cost of funding earning assets | 0.4734% | 3,083 |
| Net interest margin | 3.6519% | 3,134 |
| Noninterest income to average assets | 0.5586% | 3,056 |
| Noninterest expense to average assets | 2.7756% | 3,594 |
| Loan and lease loss provision to assets | 0.1646% | 1,495 |
| Net operating income to assets | 0.7869% | 3,395 |
| Return on assets (ROA) | 0.7869% | 3,495 |
| Pretax return on assets | 0.9461% | 3,697 |
| Return on Equity (ROE) | 5.6035% | 4,385 |
| Retained earnings to average equity (ytd only) | 4.0404% | 3,606 |
| Net charge-offs to loans | 0.0113% | 4,029 |
| Credit loss provision to net charge-offs | 2,142.8571% | 169 |
| Earnings coverage of net charge-offs (x) | 144.5714% | 420 |
| Efficiency ratio | 71.4205% | 3,441 |
| Assets per employee ($millions) | 4.4969% | 2,929 |
| Cash dividends to net income (ytd only)* | 27.8940% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1004% | 339 |
| Loan loss allowance to noncurrent loans | 58.9137% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 3.7609% | 599 |
| Noncurrent loans to loans | 5.2625% | 365 |
| Net loans and leases to total assets | 68.7892% | 2,280 |
| Net loans and leases to deposits | 84.2561% | 2,011 |
| Net loans and leases to core deposits | 91.2198% | 2,004 |
| Total domestic deposits to total assets | 81.6430% | 4,768 |
| Equity capital to assets | 14.3915% | 849 |
| Core capital (leverage) ratio | 14.4357% | 721 |
| Tier 1 risk-based capital ratio | 16.3089% | 2,930 |
| Total risk-based capital ratio | 17.4744% | 2,916 |
| Memoranda: | ||
| Average total assets | $182,229,000 | 3,231 |
| Average earning assets | $166,049,670 | 3,247 |
| Average equity | $25,591,330 | 2,609 |
| Average total loans | $124,168,000 | 2,988 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0337% | 3,547 |
| Cost of funding earning assets | 0.4892% | 3,018 |
| Net interest margin | 3.5445% | 3,505 |
| Noninterest income to average assets | 0.5103% | 3,327 |
| Noninterest expense to average assets | 2.5168% | 4,562 |
| Loan and lease loss provision to assets | 0.1636% | 1,489 |
| Net operating income to assets | 0.8484% | 2,904 |
| Return on assets (ROA) | 0.8484% | 2,976 |
| Pretax return on assets | 1.0534% | 3,121 |
| Return on Equity (ROE) | 6.1155% | 3,954 |
| Retained earnings to average equity (ytd only) | 2.9713% | 4,324 |
| Net charge-offs to loans | 0.0098% | 3,427 |
| Credit loss provision to net charge-offs | 2,500.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 263 |
| Efficiency ratio | 67.4065% | 4,296 |
| Assets per employee ($millions) | 4.5501% | 2,897 |
| Cash dividends to net income (ytd only)* | 51.4139% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1727% | 365 |
| Loan loss allowance to noncurrent loans | 56.7445% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 3.8855% | 629 |
| Noncurrent loans to loans | 5.5912% | 351 |
| Net loans and leases to total assets | 66.8493% | 2,421 |
| Net loans and leases to deposits | 80.7534% | 2,196 |
| Net loans and leases to core deposits | 85.8439% | 2,337 |
| Total domestic deposits to total assets | 82.7819% | 4,674 |
| Equity capital to assets | 14.3971% | 811 |
| Core capital (leverage) ratio | 14.0426% | 811 |
| Tier 1 risk-based capital ratio | 16.2307% | 3,040 |
| Total risk-based capital ratio | 17.4542% | 3,017 |
| Memoranda: | ||
| Average total assets | $183,405,000 | 3,244 |
| Average earning assets | $166,794,500 | 3,256 |
| Average equity | $25,443,500 | 2,604 |
| Average total loans | $122,404,500 | 3,022 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1374% | 3,584 |
| Cost of funding earning assets | 0.6149% | 2,524 |
| Net interest margin | 3.5225% | 3,796 |
| Noninterest income to average assets | 0.8009% | 2,075 |
| Noninterest expense to average assets | 2.6087% | 4,429 |
| Loan and lease loss provision to assets | 0.3387% | 943 |
| Net operating income to assets | 0.8383% | 3,095 |
| Return on assets (ROA) | 0.8383% | 3,175 |
| Pretax return on assets | 1.0789% | 3,038 |
| Return on Equity (ROE) | 6.2593% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.5512% | 2,247 |
| Net charge-offs to loans | 0.2170% | 2,724 |
| Credit loss provision to net charge-offs | 219.2982% | 1,052 |
| Earnings coverage of net charge-offs (x) | 9.1789% | 2,545 |
| Efficiency ratio | 64.7914% | 4,772 |
| Assets per employee ($millions) | 4.9831% | 2,196 |
| Cash dividends to net income (ytd only)* | 11.3122% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1203% | 411 |
| Loan loss allowance to noncurrent loans | 56.0929% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 3.6164% | 787 |
| Noncurrent loans to loans | 5.5627% | 403 |
| Net loans and leases to total assets | 62.5696% | 3,281 |
| Net loans and leases to deposits | 75.5728% | 3,016 |
| Net loans and leases to core deposits | 80.0167% | 3,133 |
| Total domestic deposits to total assets | 82.7939% | 4,612 |
| Equity capital to assets | 13.3816% | 1,108 |
| Core capital (leverage) ratio | 13.8609% | 866 |
| Tier 1 risk-based capital ratio | 15.8114% | 3,195 |
| Total risk-based capital ratio | 17.0349% | 3,166 |
| Memoranda: | ||
| Average total assets | $184,538,200 | 3,228 |
| Average earning assets | $168,971,400 | 3,230 |
| Average equity | $24,715,400 | 2,652 |
| Average total loans | $131,361,800 | 2,840 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 3,500 |
| Cost of funding earning assets | 0.6448% | 2,408 |
| Net interest margin | 3.5227% | 3,787 |
| Noninterest income to average assets | 0.8938% | 1,776 |
| Noninterest expense to average assets | 2.5410% | 4,582 |
| Loan and lease loss provision to assets | 0.4000% | 756 |
| Net operating income to assets | 0.9011% | 2,829 |
| Return on assets (ROA) | 0.9011% | 2,944 |
| Pretax return on assets | 1.1869% | 2,756 |
| Return on Equity (ROE) | 6.7264% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.7763% | 2,553 |
| Net charge-offs to loans | 0.0409% | 4,329 |
| Credit loss provision to net charge-offs | 1,341.4634% | 240 |
| Earnings coverage of net charge-offs (x) | 53.2149% | 829 |
| Efficiency ratio | 61.5574% | 5,198 |
| Assets per employee ($millions) | 4.7361% | 2,529 |
| Cash dividends to net income (ytd only)* | 14.1244% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0361% | 531 |
| Loan loss allowance to noncurrent loans | 59.9880% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 3.7811% | 864 |
| Noncurrent loans to loans | 5.0611% | 586 |
| Net loans and leases to total assets | 70.7166% | 1,836 |
| Net loans and leases to deposits | 86.6637% | 1,533 |
| Net loans and leases to core deposits | 92.2888% | 1,750 |
| Total domestic deposits to total assets | 81.5988% | 5,057 |
| Equity capital to assets | 13.9216% | 986 |
| Core capital (leverage) ratio | 13.8520% | 904 |
| Tier 1 risk-based capital ratio | 15.3480% | 3,537 |
| Total risk-based capital ratio | 16.5726% | 3,508 |
| Memoranda: | ||
| Average total assets | $183,333,500 | 3,268 |
| Average earning assets | $168,311,750 | 3,264 |
| Average equity | $24,559,500 | 2,705 |
| Average total loans | $133,628,250 | 2,812 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 3,642 |
| Cost of funding earning assets | 0.6732% | 2,279 |
| Net interest margin | 3.4510% | 4,000 |
| Noninterest income to average assets | 0.9704% | 1,604 |
| Noninterest expense to average assets | 2.5340% | 4,611 |
| Loan and lease loss provision to assets | 0.5150% | 518 |
| Net operating income to assets | 0.8479% | 3,055 |
| Return on assets (ROA) | 0.8479% | 3,206 |
| Pretax return on assets | 1.0951% | 3,110 |
| Return on Equity (ROE) | 6.4113% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.9766% | 3,071 |
| Net charge-offs to loans | 0.0015% | 4,891 |
| Credit loss provision to net charge-offs | 47,500.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,485.0000% | 18 |
| Efficiency ratio | 61.1460% | 5,305 |
| Assets per employee ($millions) | 4.6830% | 2,541 |
| Cash dividends to net income (ytd only)* | 22.3785% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9773% | 595 |
| Loan loss allowance to noncurrent loans | 60.9380% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 3.6378% | 1,030 |
| Noncurrent loans to loans | 4.8858% | 681 |
| Net loans and leases to total assets | 70.4790% | 1,804 |
| Net loans and leases to deposits | 86.2706% | 1,550 |
| Net loans and leases to core deposits | 91.7750% | 1,727 |
| Total domestic deposits to total assets | 81.6953% | 5,144 |
| Equity capital to assets | 13.4820% | 1,145 |
| Core capital (leverage) ratio | 13.4966% | 979 |
| Tier 1 risk-based capital ratio | 14.9769% | 3,793 |
| Total risk-based capital ratio | 16.2013% | 3,771 |
| Memoranda: | ||
| Average total assets | $184,454,000 | 3,272 |
| Average earning assets | $169,631,670 | 3,259 |
| Average equity | $24,394,330 | 2,729 |
| Average total loans | $134,419,330 | 2,799 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,846 |
| Cost of funding earning assets | 0.6995% | 2,215 |
| Net interest margin | 3.6125% | 3,207 |
| Noninterest income to average assets | 1.1005% | 1,220 |
| Noninterest expense to average assets | 2.3306% | 5,339 |
| Loan and lease loss provision to assets | 0.1618% | 2,248 |
| Net operating income to assets | 1.3552% | 1,141 |
| Return on assets (ROA) | 1.3552% | 1,230 |
| Pretax return on assets | 1.9292% | 693 |
| Return on Equity (ROE) | 10.3460% | 1,933 |
| Retained earnings to average equity (ytd only) | 7.4629% | 1,957 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7086% | 6,337 |
| Assets per employee ($millions) | 4.7070% | 2,640 |
| Cash dividends to net income (ytd only)* | 27.8662% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6571% | 964 |
| Loan loss allowance to noncurrent loans | 53.6000% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 3.6972% | 1,124 |
| Noncurrent loans to loans | 4.9572% | 773 |
| Net loans and leases to total assets | 70.8666% | 1,537 |
| Net loans and leases to deposits | 87.2579% | 1,219 |
| Net loans and leases to core deposits | 94.5209% | 1,306 |
| Total domestic deposits to total assets | 81.2151% | 5,444 |
| Equity capital to assets | 13.3462% | 1,274 |
| Core capital (leverage) ratio | 13.2296% | 1,036 |
| Tier 1 risk-based capital ratio | 14.7804% | 3,981 |
| Total risk-based capital ratio | 16.0019% | 3,962 |
| Memoranda: | ||
| Average total assets | $185,363,000 | 3,291 |
| Average earning assets | $170,407,500 | 3,275 |
| Average equity | $24,280,000 | 2,779 |
| Average total loans | $135,294,000 | 2,797 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 2,556 |
| Cost of funding earning assets | 0.8208% | 2,507 |
| Net interest margin | 3.8883% | 2,882 |
| Noninterest income to average assets | 1.0193% | 1,483 |
| Noninterest expense to average assets | 2.7661% | 4,154 |
| Loan and lease loss provision to assets | 0.4585% | 1,370 |
| Net operating income to assets | 1.0188% | 2,259 |
| Return on assets (ROA) | 1.0188% | 2,470 |
| Pretax return on assets | 1.3733% | 2,129 |
| Return on Equity (ROE) | 7.8543% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.8543% | 1,170 |
| Net charge-offs to loans | 0.0373% | 5,398 |
| Credit loss provision to net charge-offs | 1,640.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 65.5200% | 548 |
| Efficiency ratio | 60.1605% | 5,514 |
| Assets per employee ($millions) | 4.7988% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5382% | 1,089 |
| Loan loss allowance to noncurrent loans | 149.6341% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.3278% | 3,425 |
| Noncurrent loans to loans | 1.6963% | 3,075 |
| Net loans and leases to total assets | 71.3154% | 1,601 |
| Net loans and leases to deposits | 87.7837% | 1,299 |
| Net loans and leases to core deposits | 94.5992% | 1,421 |
| Total domestic deposits to total assets | 81.2399% | 5,329 |
| Equity capital to assets | 12.8558% | 1,516 |
| Core capital (leverage) ratio | 13.0101% | 1,113 |
| Tier 1 risk-based capital ratio | 13.8087% | 4,530 |
| Total risk-based capital ratio | 14.9260% | 4,572 |
| Memoranda: | ||
| Average total assets | $178,844,800 | 3,329 |
| Average earning assets | $164,596,400 | 3,311 |
| Average equity | $23,197,400 | 2,829 |
| Average total loans | $133,883,400 | 2,812 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7510% | 2,574 |
| Cost of funding earning assets | 0.8494% | 2,544 |
| Net interest margin | 3.9015% | 2,909 |
| Noninterest income to average assets | 0.9783% | 1,569 |
| Noninterest expense to average assets | 2.6988% | 4,369 |
| Loan and lease loss provision to assets | 0.2376% | 2,673 |
| Net operating income to assets | 1.1789% | 1,805 |
| Return on assets (ROA) | 1.1789% | 1,995 |
| Pretax return on assets | 1.6345% | 1,468 |
| Return on Equity (ROE) | 9.0678% | 2,768 |
| Retained earnings to average equity (ytd only) | 9.0678% | 1,204 |
| Net charge-offs to loans | 0.0431% | 5,050 |
| Credit loss provision to net charge-offs | 732.5581% | 377 |
| Earnings coverage of net charge-offs (x) | 57.7228% | 676 |
| Efficiency ratio | 59.0429% | 5,653 |
| Assets per employee ($millions) | 4.8775% | 2,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1488% | 1,812 |
| Loan loss allowance to noncurrent loans | 130.9011% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.3504% | 3,597 |
| Noncurrent loans to loans | 1.6415% | 3,334 |
| Net loans and leases to total assets | 75.1457% | 1,097 |
| Net loans and leases to deposits | 95.0883% | 720 |
| Net loans and leases to core deposits | 105.3763% | 772 |
| Total domestic deposits to total assets | 79.0273% | 5,864 |
| Equity capital to assets | 13.1985% | 1,498 |
| Core capital (leverage) ratio | 13.1826% | 1,119 |
| Tier 1 risk-based capital ratio | 14.0211% | 4,503 |
| Total risk-based capital ratio | 15.1697% | 4,550 |
| Memoranda: | ||
| Average total assets | $176,767,750 | 3,398 |
| Average earning assets | $162,769,250 | 3,377 |
| Average equity | $22,981,750 | 2,880 |
| Average total loans | $133,118,000 | 2,849 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 2,658 |
| Cost of funding earning assets | 0.8840% | 2,531 |
| Net interest margin | 3.8818% | 2,988 |
| Noninterest income to average assets | 0.8488% | 1,971 |
| Noninterest expense to average assets | 2.7356% | 4,263 |
| Loan and lease loss provision to assets | 0.2393% | 2,672 |
| Net operating income to assets | 1.0619% | 2,196 |
| Return on assets (ROA) | 1.0619% | 2,425 |
| Pretax return on assets | 1.4413% | 2,047 |
| Return on Equity (ROE) | 8.2105% | 3,165 |
| Retained earnings to average equity (ytd only) | 8.2105% | 1,565 |
| Net charge-offs to loans | 0.0442% | 4,761 |
| Credit loss provision to net charge-offs | 724.1379% | 436 |
| Earnings coverage of net charge-offs (x) | 50.8621% | 720 |
| Efficiency ratio | 61.9453% | 5,257 |
| Assets per employee ($millions) | 4.9460% | 2,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1235% | 1,940 |
| Loan loss allowance to noncurrent loans | 126.7896% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 3,561 |
| Noncurrent loans to loans | 1.6748% | 3,383 |
| Net loans and leases to total assets | 74.7322% | 1,137 |
| Net loans and leases to deposits | 93.0636% | 848 |
| Net loans and leases to core deposits | 103.7406% | 878 |
| Total domestic deposits to total assets | 80.3024% | 5,663 |
| Equity capital to assets | 13.0245% | 1,505 |
| Core capital (leverage) ratio | 13.1254% | 1,114 |
| Tier 1 risk-based capital ratio | 13.7831% | 4,608 |
| Total risk-based capital ratio | 14.9221% | 4,663 |
| Memoranda: | ||
| Average total assets | $175,534,330 | 3,431 |
| Average earning assets | $161,318,330 | 3,398 |
| Average equity | $22,702,670 | 2,887 |
| Average total loans | $131,293,330 | 2,908 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 3,419 |
| Cost of funding earning assets | 0.9323% | 2,419 |
| Net interest margin | 3.6867% | 3,894 |
| Noninterest income to average assets | 0.8332% | 2,021 |
| Noninterest expense to average assets | 2.7428% | 4,276 |
| Loan and lease loss provision to assets | 0.2410% | 2,538 |
| Net operating income to assets | 0.9388% | 2,753 |
| Return on assets (ROA) | 0.9388% | 2,955 |
| Pretax return on assets | 1.2348% | 2,787 |
| Return on Equity (ROE) | 7.2845% | 3,612 |
| Retained earnings to average equity (ytd only) | 7.2845% | 2,285 |
| Net charge-offs to loans | 0.0930% | 3,593 |
| Credit loss provision to net charge-offs | 350.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 21.4333% | 1,152 |
| Efficiency ratio | 65.0163% | 4,733 |
| Assets per employee ($millions) | 4.8322% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1131% | 2,072 |
| Loan loss allowance to noncurrent loans | 65.4815% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.6840% | 2,198 |
| Noncurrent loans to loans | 3.2271% | 1,988 |
| Net loans and leases to total assets | 74.0544% | 1,051 |
| Net loans and leases to deposits | 92.6872% | 750 |
| Net loans and leases to core deposits | 100.5424% | 957 |
| Total domestic deposits to total assets | 79.8971% | 5,878 |
| Equity capital to assets | 13.0243% | 1,436 |
| Core capital (leverage) ratio | 12.8933% | 1,163 |
| Tier 1 risk-based capital ratio | 14.3713% | 4,196 |
| Total risk-based capital ratio | 15.5685% | 4,204 |
| Memoranda: | ||
| Average total assets | $174,273,000 | 3,466 |
| Average earning assets | $160,035,000 | 3,436 |
| Average equity | $22,458,500 | 2,920 |
| Average total loans | $128,963,500 | 2,959 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9714% | 3,017 |
| Cost of funding earning assets | 1.1045% | 2,640 |
| Net interest margin | 3.8668% | 3,482 |
| Noninterest income to average assets | 0.6409% | 2,942 |
| Noninterest expense to average assets | 2.7997% | 4,346 |
| Loan and lease loss provision to assets | 0.4921% | 2,146 |
| Net operating income to assets | 0.7182% | 3,398 |
| Return on assets (ROA) | 0.7182% | 3,571 |
| Pretax return on assets | 0.8911% | 3,636 |
| Return on Equity (ROE) | 5.6468% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.6468% | 2,211 |
| Net charge-offs to loans | 0.0343% | 5,969 |
| Credit loss provision to net charge-offs | 1,909.0909% | 121 |
| Earnings coverage of net charge-offs (x) | 53.6591% | 523 |
| Efficiency ratio | 66.9328% | 4,587 |
| Assets per employee ($millions) | 4.8496% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1422% | 1,911 |
| Loan loss allowance to noncurrent loans | 119.4175% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.5396% | 3,638 |
| Noncurrent loans to loans | 1.7938% | 3,478 |
| Net loans and leases to total assets | 70.8046% | 1,866 |
| Net loans and leases to deposits | 89.5106% | 1,207 |
| Net loans and leases to core deposits | 95.8880% | 1,501 |
| Total domestic deposits to total assets | 79.1020% | 5,973 |
| Equity capital to assets | 12.7502% | 1,625 |
| Core capital (leverage) ratio | 12.8464% | 1,203 |
| Tier 1 risk-based capital ratio | 14.5254% | 3,958 |
| Total risk-based capital ratio | 15.7209% | 3,972 |
| Memoranda: | ||
| Average total assets | $170,696,800 | 3,480 |
| Average earning assets | $156,355,800 | 3,466 |
| Average equity | $21,711,400 | 2,924 |
| Average total loans | $128,249,000 | 3,014 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 3,093 |
| Cost of funding earning assets | 1.1415% | 2,687 |
| Net interest margin | 3.8563% | 3,584 |
| Noninterest income to average assets | 0.7337% | 2,396 |
| Noninterest expense to average assets | 2.7306% | 4,609 |
| Loan and lease loss provision to assets | 0.4399% | 2,275 |
| Net operating income to assets | 0.8413% | 2,981 |
| Return on assets (ROA) | 0.8413% | 3,129 |
| Pretax return on assets | 1.0982% | 3,023 |
| Return on Equity (ROE) | 6.6188% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.6188% | 2,188 |
| Net charge-offs to loans | 0.0456% | 5,536 |
| Credit loss provision to net charge-offs | 1,272.7273% | 217 |
| Earnings coverage of net charge-offs (x) | 44.4963% | 714 |
| Efficiency ratio | 63.9676% | 5,077 |
| Assets per employee ($millions) | 4.7711% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8329% | 2,825 |
| Loan loss allowance to noncurrent loans | 128.7686% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 1.4992% | 3,867 |
| Noncurrent loans to loans | 1.4234% | 4,160 |
| Net loans and leases to total assets | 75.6480% | 1,028 |
| Net loans and leases to deposits | 96.8587% | 649 |
| Net loans and leases to core deposits | 106.6213% | 834 |
| Total domestic deposits to total assets | 78.1014% | 6,178 |
| Equity capital to assets | 12.8691% | 1,675 |
| Core capital (leverage) ratio | 12.7702% | 1,319 |
| Tier 1 risk-based capital ratio | 14.0241% | 4,339 |
| Total risk-based capital ratio | 15.2170% | 4,347 |
| Memoranda: | ||
| Average total assets | $169,724,500 | 3,527 |
| Average earning assets | $155,584,000 | 3,508 |
| Average equity | $21,574,250 | 2,938 |
| Average total loans | $128,731,000 | 3,032 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 3,114 |
| Cost of funding earning assets | 1.1653% | 2,805 |
| Net interest margin | 3.8443% | 3,561 |
| Noninterest income to average assets | 0.7998% | 2,014 |
| Noninterest expense to average assets | 2.5449% | 5,376 |
| Loan and lease loss provision to assets | 0.4969% | 1,978 |
| Net operating income to assets | 0.9571% | 2,408 |
| Return on assets (ROA) | 0.9571% | 2,507 |
| Pretax return on assets | 1.2825% | 2,195 |
| Return on Equity (ROE) | 7.5616% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.5616% | 1,632 |
| Net charge-offs to loans | 0.0690% | 4,949 |
| Credit loss provision to net charge-offs | 954.5455% | 344 |
| Earnings coverage of net charge-offs (x) | 34.1818% | 839 |
| Efficiency ratio | 58.8509% | 6,052 |
| Assets per employee ($millions) | 4.8546% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 3,127 |
| Loan loss allowance to noncurrent loans | 172.9198% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.2195% | 4,458 |
| Noncurrent loans to loans | 1.0171% | 4,959 |
| Net loans and leases to total assets | 75.1483% | 1,212 |
| Net loans and leases to deposits | 96.1021% | 716 |
| Net loans and leases to core deposits | 105.6278% | 948 |
| Total domestic deposits to total assets | 78.1964% | 6,250 |
| Equity capital to assets | 12.8431% | 1,601 |
| Core capital (leverage) ratio | 12.6175% | 1,313 |
| Tier 1 risk-based capital ratio | 14.0914% | 4,102 |
| Total risk-based capital ratio | 15.2825% | 4,122 |
| Memoranda: | ||
| Average total assets | $169,046,000 | 3,557 |
| Average earning assets | $154,982,330 | 3,546 |
| Average equity | $21,397,670 | 2,949 |
| Average total loans | $127,521,670 | 3,083 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9513% | 3,325 |
| Cost of funding earning assets | 1.1926% | 2,868 |
| Net interest margin | 3.7587% | 3,806 |
| Noninterest income to average assets | 0.9608% | 1,429 |
| Noninterest expense to average assets | 2.3652% | 6,001 |
| Loan and lease loss provision to assets | 0.4982% | 1,753 |
| Net operating income to assets | 1.1126% | 1,798 |
| Return on assets (ROA) | 1.1126% | 1,852 |
| Pretax return on assets | 1.5444% | 1,313 |
| Return on Equity (ROE) | 8.8551% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.8551% | 1,424 |
| Net charge-offs to loans | 0.1267% | 3,761 |
| Credit loss provision to net charge-offs | 525.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 21.5250% | 1,079 |
| Efficiency ratio | 53.6598% | 6,724 |
| Assets per employee ($millions) | 4.8328% | 2,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 3,689 |
| Loan loss allowance to noncurrent loans | 146.4789% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 1.1446% | 4,646 |
| Noncurrent loans to loans | 1.0992% | 4,861 |
| Net loans and leases to total assets | 75.1443% | 1,153 |
| Net loans and leases to deposits | 95.0538% | 748 |
| Net loans and leases to core deposits | 104.4061% | 1,034 |
| Total domestic deposits to total assets | 79.0544% | 6,174 |
| Equity capital to assets | 12.6664% | 1,542 |
| Core capital (leverage) ratio | 12.6303% | 1,273 |
| Tier 1 risk-based capital ratio | 13.5661% | 4,383 |
| Total risk-based capital ratio | 14.7567% | 4,384 |
| Memoranda: | ||
| Average total assets | $168,613,000 | 3,576 |
| Average earning assets | $154,626,000 | 3,570 |
| Average equity | $21,185,500 | 2,962 |
| Average total loans | $126,296,500 | 3,130 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1629% | 3,786 |
| Cost of funding earning assets | 1.3686% | 3,462 |
| Net interest margin | 3.7943% | 3,975 |
| Noninterest income to average assets | 0.8695% | 1,979 |
| Noninterest expense to average assets | 2.7475% | 4,791 |
| Loan and lease loss provision to assets | 0.6139% | 2,680 |
| Net operating income to assets | 0.8551% | 2,567 |
| Return on assets (ROA) | 0.8551% | 2,707 |
| Pretax return on assets | 0.9816% | 2,990 |
| Return on Equity (ROE) | 6.7258% | 3,252 |
| Retained earnings to average equity (ytd only) | 6.7258% | 1,443 |
| Net charge-offs to loans | 0.7477% | 2,775 |
| Credit loss provision to net charge-offs | 110.6095% | 3,979 |
| Earnings coverage of net charge-offs (x) | 2.8747% | 3,633 |
| Efficiency ratio | 63.2627% | 5,468 |
| Assets per employee ($millions) | 4.9435% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,783 |
| Loan loss allowance to noncurrent loans | 102.6882% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3250% | 4,375 |
| Noncurrent loans to loans | 1.5072% | 4,218 |
| Net loans and leases to total assets | 72.2867% | 2,035 |
| Net loans and leases to deposits | 91.9130% | 1,274 |
| Net loans and leases to core deposits | 97.4119% | 1,853 |
| Total domestic deposits to total assets | 78.6468% | 6,180 |
| Equity capital to assets | 12.4621% | 1,656 |
| Core capital (leverage) ratio | 12.7409% | 1,224 |
| Tier 1 risk-based capital ratio | 13.6509% | 4,095 |
| Total risk-based capital ratio | 14.8374% | 4,106 |
| Memoranda: | ||
| Average total assets | $159,638,400 | 3,702 |
| Average earning assets | $146,139,800 | 3,703 |
| Average equity | $20,295,000 | 3,107 |
| Average total loans | $118,501,600 | 3,345 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 3,607 |
| Cost of funding earning assets | 1.4013% | 3,576 |
| Net interest margin | 3.8435% | 3,779 |
| Noninterest income to average assets | 0.8193% | 2,129 |
| Noninterest expense to average assets | 2.6407% | 5,149 |
| Loan and lease loss provision to assets | 0.4740% | 3,106 |
| Net operating income to assets | 0.9353% | 2,475 |
| Return on assets (ROA) | 0.9353% | 2,606 |
| Pretax return on assets | 1.2239% | 2,413 |
| Return on Equity (ROE) | 7.3181% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.3181% | 1,694 |
| Net charge-offs to loans | 0.6799% | 2,724 |
| Credit loss provision to net charge-offs | 93.6455% | 4,635 |
| Earnings coverage of net charge-offs (x) | 3.3545% | 3,482 |
| Efficiency ratio | 60.8662% | 5,813 |
| Assets per employee ($millions) | 4.7230% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 4,024 |
| Loan loss allowance to noncurrent loans | 153.5869% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 4,958 |
| Noncurrent loans to loans | 0.9684% | 5,299 |
| Net loans and leases to total assets | 73.2934% | 1,952 |
| Net loans and leases to deposits | 94.7915% | 1,116 |
| Net loans and leases to core deposits | 99.6166% | 1,883 |
| Total domestic deposits to total assets | 77.3206% | 6,414 |
| Equity capital to assets | 12.9224% | 1,619 |
| Core capital (leverage) ratio | 12.7777% | 1,307 |
| Tier 1 risk-based capital ratio | 13.8883% | 3,922 |
| Total risk-based capital ratio | 15.0898% | 3,922 |
| Memoranda: | ||
| Average total assets | $157,528,500 | 3,805 |
| Average earning assets | $144,241,500 | 3,786 |
| Average equity | $20,132,250 | 3,174 |
| Average total loans | $117,275,000 | 3,417 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 3,928 |
| Cost of funding earning assets | 1.4199% | 3,747 |
| Net interest margin | 3.7854% | 3,955 |
| Noninterest income to average assets | 0.7476% | 2,412 |
| Noninterest expense to average assets | 2.6350% | 5,193 |
| Loan and lease loss provision to assets | 0.4856% | 2,870 |
| Net operating income to assets | 0.8587% | 2,698 |
| Return on assets (ROA) | 0.8587% | 2,842 |
| Pretax return on assets | 1.0951% | 2,801 |
| Return on Equity (ROE) | 6.7450% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.7450% | 1,950 |
| Net charge-offs to loans | 0.9095% | 2,015 |
| Credit loss provision to net charge-offs | 71.6981% | 4,920 |
| Earnings coverage of net charge-offs (x) | 2.3340% | 3,831 |
| Efficiency ratio | 62.5038% | 5,612 |
| Assets per employee ($millions) | 4.7354% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 4,416 |
| Loan loss allowance to noncurrent loans | 168.7943% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 4,780 |
| Noncurrent loans to loans | 0.8298% | 5,623 |
| Net loans and leases to total assets | 72.8390% | 2,203 |
| Net loans and leases to deposits | 93.6790% | 1,318 |
| Net loans and leases to core deposits | 98.7537% | 2,148 |
| Total domestic deposits to total assets | 77.7538% | 6,322 |
| Equity capital to assets | 12.5836% | 1,751 |
| Core capital (leverage) ratio | 12.7812% | 1,292 |
| Tier 1 risk-based capital ratio | 13.8705% | 3,822 |
| Total risk-based capital ratio | 15.0199% | 3,862 |
| Memoranda: | ||
| Average total assets | $156,510,670 | 3,849 |
| Average earning assets | $143,391,670 | 3,832 |
| Average equity | $19,926,000 | 3,186 |
| Average total loans | $116,542,330 | 3,464 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2012% | 4,008 |
| Cost of funding earning assets | 1.4655% | 3,771 |
| Net interest margin | 3.7357% | 4,075 |
| Noninterest income to average assets | 0.8142% | 1,950 |
| Noninterest expense to average assets | 2.4944% | 5,748 |
| Loan and lease loss provision to assets | 0.5186% | 2,425 |
| Net operating income to assets | 0.9438% | 2,381 |
| Return on assets (ROA) | 0.9438% | 2,447 |
| Pretax return on assets | 1.2317% | 2,258 |
| Return on Equity (ROE) | 7.3688% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.3688% | 1,989 |
| Net charge-offs to loans | 0.3121% | 3,166 |
| Credit loss provision to net charge-offs | 222.2222% | 1,696 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,081 |
| Efficiency ratio | 58.7660% | 6,369 |
| Assets per employee ($millions) | 5.1531% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 3,225 |
| Loan loss allowance to noncurrent loans | 103.2708% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 1.7782% | 3,818 |
| Noncurrent loans to loans | 1.6039% | 4,338 |
| Net loans and leases to total assets | 73.9710% | 1,976 |
| Net loans and leases to deposits | 95.9579% | 1,114 |
| Net loans and leases to core deposits | 100.5787% | 2,074 |
| Total domestic deposits to total assets | 77.0869% | 6,541 |
| Equity capital to assets | 12.9068% | 1,559 |
| Core capital (leverage) ratio | 12.8242% | 1,284 |
| Tier 1 risk-based capital ratio | 14.1059% | 3,589 |
| Total risk-based capital ratio | 15.3109% | 3,582 |
| Memoranda: | ||
| Average total assets | $154,264,500 | 3,942 |
| Average earning assets | $141,659,000 | 3,930 |
| Average equity | $19,759,000 | 3,227 |
| Average total loans | $115,344,000 | 3,558 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4434% | 4,475 |
| Cost of funding earning assets | 1.7454% | 4,273 |
| Net interest margin | 3.6980% | 4,152 |
| Noninterest income to average assets | 0.8269% | 2,279 |
| Noninterest expense to average assets | 2.5502% | 5,952 |
| Loan and lease loss provision to assets | 0.5965% | 3,408 |
| Net operating income to assets | 0.8571% | 2,320 |
| Return on assets (ROA) | 0.9134% | 2,199 |
| Pretax return on assets | 1.1698% | 2,034 |
| Return on Equity (ROE) | 6.9893% | 2,792 |
| Retained earnings to average equity (ytd only) | 5.1637% | 1,733 |
| Net charge-offs to loans | 0.5272% | 3,677 |
| Credit loss provision to net charge-offs | 150.8621% | 3,067 |
| Earnings coverage of net charge-offs (x) | 4.2845% | 3,000 |
| Efficiency ratio | 60.0867% | 6,482 |
| Assets per employee ($millions) | 5.1312% | 2,040 |
| Cash dividends to net income (ytd only)* | 26.1194% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 3,335 |
| Loan loss allowance to noncurrent loans | 106.7607% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.6793% | 3,849 |
| Noncurrent loans to loans | 1.4868% | 4,443 |
| Net loans and leases to total assets | 73.1421% | 2,468 |
| Net loans and leases to deposits | 95.6147% | 1,373 |
| Net loans and leases to core deposits | 106.3754% | 3,294 |
| Total domestic deposits to total assets | 76.4967% | 6,589 |
| Equity capital to assets | 12.7098% | 1,641 |
| Core capital (leverage) ratio | 12.8873% | 1,281 |
| Tier 1 risk-based capital ratio | 13.7623% | 3,651 |
| Total risk-based capital ratio | 14.9439% | 3,628 |
| Memoranda: | ||
| Average total assets | $146,696,800 | 4,003 |
| Average earning assets | $135,559,000 | 3,987 |
| Average equity | $19,172,200 | 3,316 |
| Average total loans | $110,009,800 | 3,692 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 4,521 |
| Cost of funding earning assets | 1.8004% | 4,378 |
| Net interest margin | 3.6793% | 4,169 |
| Noninterest income to average assets | 0.8917% | 2,014 |
| Noninterest expense to average assets | 2.4736% | 6,161 |
| Loan and lease loss provision to assets | 0.3221% | 4,410 |
| Net operating income to assets | 1.1021% | 1,726 |
| Return on assets (ROA) | 1.1733% | 1,588 |
| Pretax return on assets | 1.5994% | 1,177 |
| Return on Equity (ROE) | 8.9124% | 2,299 |
| Retained earnings to average equity (ytd only) | 6.4659% | 1,728 |
| Net charge-offs to loans | 0.0012% | 6,980 |
| Credit loss provision to net charge-offs | 35,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 1,986.9173% | 7 |
| Efficiency ratio | 57.5589% | 6,780 |
| Assets per employee ($millions) | 5.0407% | 2,100 |
| Cash dividends to net income (ytd only)* | 27.4512% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 2,950 |
| Loan loss allowance to noncurrent loans | 51.3885% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 2.4051% | 2,863 |
| Noncurrent loans to loans | 3.1314% | 2,412 |
| Net loans and leases to total assets | 75.5694% | 2,088 |
| Net loans and leases to deposits | 100.0411% | 1,100 |
| Net loans and leases to core deposits | 116.4074% | 2,580 |
| Total domestic deposits to total assets | 75.5383% | 6,670 |
| Equity capital to assets | 12.9064% | 1,730 |
| Core capital (leverage) ratio | 13.4956% | 1,234 |
| Tier 1 risk-based capital ratio | 14.0605% | 3,513 |
| Total risk-based capital ratio | 15.2645% | 3,495 |
| Memoranda: | ||
| Average total assets | $144,887,000 | 4,060 |
| Average earning assets | $134,115,000 | 4,036 |
| Average equity | $19,074,000 | 3,362 |
| Average total loans | $108,910,250 | 3,755 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5499% | 4,340 |
| Cost of funding earning assets | 1.8838% | 4,353 |
| Net interest margin | 3.6661% | 4,095 |
| Noninterest income to average assets | 0.9077% | 1,953 |
| Noninterest expense to average assets | 2.4402% | 6,332 |
| Loan and lease loss provision to assets | 0.1751% | 5,294 |
| Net operating income to assets | 1.1527% | 1,604 |
| Return on assets (ROA) | 1.2537% | 1,422 |
| Pretax return on assets | 1.8322% | 800 |
| Return on Equity (ROE) | 9.4577% | 2,200 |
| Retained earnings to average equity (ytd only) | 5.7592% | 2,139 |
| Net charge-offs to loans | -0.0169% | 7,669 |
| Credit loss provision to net charge-offs | -1,388.8889% | 7,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7612% | 7,018 |
| Assets per employee ($millions) | 4.9570% | 2,133 |
| Cash dividends to net income (ytd only)* | 39.1061% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,045 |
| Loan loss allowance to noncurrent loans | 48.6765% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 2.3652% | 2,747 |
| Noncurrent loans to loans | 3.1392% | 2,273 |
| Net loans and leases to total assets | 74.1906% | 2,655 |
| Net loans and leases to deposits | 99.2139% | 1,367 |
| Net loans and leases to core deposits | 110.4573% | 3,333 |
| Total domestic deposits to total assets | 74.7784% | 6,806 |
| Equity capital to assets | 13.2567% | 1,578 |
| Core capital (leverage) ratio | 13.2121% | 1,364 |
| Tier 1 risk-based capital ratio | 14.3068% | 3,355 |
| Total risk-based capital ratio | 15.5076% | 3,309 |
| Memoranda: | ||
| Average total assets | $142,776,000 | 4,119 |
| Average earning assets | $132,075,330 | 4,101 |
| Average equity | $18,926,330 | 3,404 |
| Average total loans | $106,498,670 | 3,842 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6655% | 3,965 |
| Cost of funding earning assets | 1.9452% | 4,397 |
| Net interest margin | 3.7203% | 3,806 |
| Noninterest income to average assets | 0.7647% | 2,509 |
| Noninterest expense to average assets | 2.2265% | 6,778 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4140% | 1,113 |
| Return on assets (ROA) | 1.4140% | 1,195 |
| Pretax return on assets | 1.9791% | 691 |
| Return on Equity (ROE) | 10.6675% | 2,081 |
| Retained earnings to average equity (ytd only) | 10.6675% | 1,045 |
| Net charge-offs to loans | -0.0076% | 7,240 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9412% | 7,319 |
| Assets per employee ($millions) | 4.8716% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 3,200 |
| Loan loss allowance to noncurrent loans | 69.0390% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 1.5615% | 3,590 |
| Noncurrent loans to loans | 2.1086% | 3,106 |
| Net loans and leases to total assets | 72.9751% | 3,007 |
| Net loans and leases to deposits | 99.0984% | 1,524 |
| Net loans and leases to core deposits | 109.7734% | 3,463 |
| Total domestic deposits to total assets | 73.6390% | 6,943 |
| Equity capital to assets | 13.5464% | 1,520 |
| Core capital (leverage) ratio | 13.2215% | 1,411 |
| Tier 1 risk-based capital ratio | 15.3089% | 2,937 |
| Total risk-based capital ratio | 16.5059% | 2,898 |
| Memoranda: | ||
| Average total assets | $142,287,000 | 4,144 |
| Average earning assets | $131,604,000 | 4,116 |
| Average equity | $18,861,000 | 3,436 |
| Average total loans | $105,594,500 | 3,893 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3374% | 3,745 |
| Cost of funding earning assets | 2.5069% | 4,173 |
| Net interest margin | 3.8305% | 3,891 |
| Noninterest income to average assets | 0.6501% | 3,476 |
| Noninterest expense to average assets | 2.5210% | 5,929 |
| Loan and lease loss provision to assets | 0.3545% | 3,562 |
| Net operating income to assets | 1.0982% | 2,157 |
| Return on assets (ROA) | 1.0982% | 2,070 |
| Pretax return on assets | 1.2931% | 2,332 |
| Return on Equity (ROE) | 8.4053% | 2,890 |
| Retained earnings to average equity (ytd only) | 3.6573% | 2,880 |
| Net charge-offs to loans | 0.4664% | 2,499 |
| Credit loss provision to net charge-offs | 105.7082% | 5,067 |
| Earnings coverage of net charge-offs (x) | 4.9133% | 3,816 |
| Efficiency ratio | 60.4762% | 6,264 |
| Assets per employee ($millions) | 4.9413% | 2,008 |
| Cash dividends to net income (ytd only)* | 56.4881% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 3,046 |
| Loan loss allowance to noncurrent loans | 124.5700% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.8521% | 4,715 |
| Noncurrent loans to loans | 1.1457% | 4,254 |
| Net loans and leases to total assets | 73.3079% | 3,282 |
| Net loans and leases to deposits | 97.1192% | 2,273 |
| Net loans and leases to core deposits | 107.3408% | 4,038 |
| Total domestic deposits to total assets | 75.4824% | 6,345 |
| Equity capital to assets | 12.9689% | 1,803 |
| Core capital (leverage) ratio | 12.7678% | 1,635 |
| Tier 1 risk-based capital ratio | 14.6947% | 3,204 |
| Total risk-based capital ratio | 15.8923% | 3,152 |
| Memoranda: | ||
| Average total assets | $141,053,000 | 4,060 |
| Average earning assets | $129,563,800 | 4,048 |
| Average equity | $18,428,800 | 3,490 |
| Average total loans | $101,424,400 | 3,907 |