Home > Osgood Bank > Performance and Condition Ratios
Osgood Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 1,396 |
| Cost of funding earning assets | 1.6486% | 1,573 |
| Net interest margin | 3.7009% | 1,762 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.5070% | 2,279 |
| Loan and lease loss provision to assets | -0.1400% | 4,542 |
| Net operating income to assets | 1.1665% | 1,736 |
| Return on assets (ROA) | 1.1599% | 1,730 |
| Pretax return on assets | 1.3436% | 1,755 |
| Return on Equity (ROE) | 15.3200% | 1,227 |
| Retained earnings to average equity (ytd only) | 10.0012% | 1,014 |
| Net charge-offs to loans | -0.0049% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 67.3626% | 2,184 |
| Assets per employee ($millions) | 7.0587% | 2,033 |
| Cash dividends to net income (ytd only)* | 34.7084% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 584 |
| Loan loss allowance to noncurrent loans | 710.5898% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 2,297 |
| Noncurrent loans to loans | 0.2470% | 2,316 |
| Net loans and leases to total assets | 73.7400% | 1,391 |
| Net loans and leases to deposits | 87.7924% | 1,452 |
| Net loans and leases to core deposits | 103.3678% | 1,251 |
| Total domestic deposits to total assets | 83.9900% | 2,618 |
| Equity capital to assets | 7.7095% | 3,597 |
| Core capital (leverage) ratio | 9.9947% | 2,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9566% | 2,596 |
| Memoranda: | ||
| Average total assets | $388,745,400 | 2,049 |
| Average earning assets | $355,214,600 | 2,067 |
| Average equity | $29,436,600 | 2,291 |
| Average total loans | $286,829,200 | 1,838 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2380% | 1,380 |
| Cost of funding earning assets | 1.4716% | 1,684 |
| Net interest margin | 3.7664% | 1,658 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.5582% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0674% | 2,157 |
| Return on assets (ROA) | 1.0545% | 2,193 |
| Pretax return on assets | 1.2088% | 2,277 |
| Return on Equity (ROE) | 13.8400% | 1,695 |
| Retained earnings to average equity (ytd only) | 12.0931% | 957 |
| Net charge-offs to loans | -0.0047% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.6245% | 2,059 |
| Assets per employee ($millions) | 6.8573% | 2,063 |
| Cash dividends to net income (ytd only)* | 12.6354% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8999% | 477 |
| Loan loss allowance to noncurrent loans | 678.0872% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 2,224 |
| Noncurrent loans to loans | 0.2802% | 2,235 |
| Net loans and leases to total assets | 72.7200% | 1,497 |
| Net loans and leases to deposits | 85.7378% | 1,600 |
| Net loans and leases to core deposits | 100.8554% | 1,267 |
| Total domestic deposits to total assets | 84.8100% | 2,557 |
| Equity capital to assets | 7.6943% | 3,249 |
| Core capital (leverage) ratio | 10.2550% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1361% | 2,577 |
| Memoranda: | ||
| Average total assets | $385,263,000 | 2,056 |
| Average earning assets | $352,086,250 | 2,085 |
| Average equity | $29,349,250 | 2,280 |
| Average total loans | $283,040,750 | 1,860 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1425% | 1,300 |
| Cost of funding earning assets | 1.2767% | 1,771 |
| Net interest margin | 3.8658% | 1,497 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.5825% | 1,971 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1108% | 2,096 |
| Return on assets (ROA) | 1.0889% | 2,145 |
| Pretax return on assets | 1.2506% | 2,224 |
| Return on Equity (ROE) | 14.3400% | 1,614 |
| Retained earnings to average equity (ytd only) | 14.0331% | 672 |
| Net charge-offs to loans | -0.0050% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.9206% | 2,112 |
| Assets per employee ($millions) | 6.6370% | 2,183 |
| Cash dividends to net income (ytd only)* | 2.1687% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 448 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.7400% | 1,443 |
| Net loans and leases to deposits | 83.5632% | 1,710 |
| Net loans and leases to core deposits | 100.2011% | 1,224 |
| Total domestic deposits to total assets | 87.0500% | 1,915 |
| Equity capital to assets | 7.7983% | 3,351 |
| Core capital (leverage) ratio | 10.3312% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1515% | 2,587 |
| Memoranda: | ||
| Average total assets | $381,110,333 | 2,074 |
| Average earning assets | $347,457,000 | 2,109 |
| Average equity | $28,931,667 | 2,313 |
| Average total loans | $279,119,333 | 1,870 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 1,198 |
| Cost of funding earning assets | 1.0351% | 1,932 |
| Net interest margin | 3.9829% | 1,293 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.5760% | 2,024 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1972% | 1,935 |
| Return on assets (ROA) | 1.1688% | 1,994 |
| Pretax return on assets | 1.3429% | 2,046 |
| Return on Equity (ROE) | 15.6100% | 1,441 |
| Retained earnings to average equity (ytd only) | 15.6122% | 731 |
| Net charge-offs to loans | -0.0043% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.1628% | 2,304 |
| Assets per employee ($millions) | 6.9025% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0028% | 437 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 72.1000% | 1,416 |
| Net loans and leases to deposits | 80.0050% | 1,814 |
| Net loans and leases to core deposits | 93.8037% | 1,403 |
| Total domestic deposits to total assets | 90.1200% | 1,114 |
| Equity capital to assets | 7.6462% | 3,478 |
| Core capital (leverage) ratio | 10.1650% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1162% | 2,693 |
| Memoranda: | ||
| Average total assets | $379,193,500 | 2,108 |
| Average earning assets | $345,474,500 | 2,142 |
| Average equity | $28,388,000 | 2,363 |
| Average total loans | $275,872,000 | 1,903 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 463 |
| Cost of funding earning assets | 0.2726% | 3,128 |
| Net interest margin | 4.4818% | 300 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.7909% | 1,334 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.4310% | 1,045 |
| Return on assets (ROA) | 1.4384% | 992 |
| Pretax return on assets | 1.6662% | 1,005 |
| Return on Equity (ROE) | 17.8800% | 723 |
| Retained earnings to average equity (ytd only) | 14.0126% | 385 |
| Net charge-offs to loans | -0.0037% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.3386% | 2,717 |
| Assets per employee ($millions) | 6.6447% | 2,224 |
| Cash dividends to net income (ytd only)* | 21.6185% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0357% | 403 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 70.4700% | 1,588 |
| Net loans and leases to deposits | 83.8388% | 1,482 |
| Net loans and leases to core deposits | 87.0632% | 1,674 |
| Total domestic deposits to total assets | 84.0500% | 3,198 |
| Equity capital to assets | 7.3263% | 3,474 |
| Core capital (leverage) ratio | 10.2267% | 2,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9560% | 2,747 |
| Memoranda: | ||
| Average total assets | $363,399,400 | 2,166 |
| Average earning assets | $333,079,800 | 2,187 |
| Average equity | $29,238,000 | 2,367 |
| Average total loans | $246,129,000 | 1,964 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 346 |
| Cost of funding earning assets | 0.1965% | 3,319 |
| Net interest margin | 4.5156% | 231 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.7831% | 1,277 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4740% | 904 |
| Return on assets (ROA) | 1.4819% | 873 |
| Pretax return on assets | 1.7201% | 868 |
| Return on Equity (ROE) | 16.9800% | 793 |
| Retained earnings to average equity (ytd only) | 16.9751% | 210 |
| Net charge-offs to loans | -0.0028% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.4082% | 2,915 |
| Assets per employee ($millions) | 6.2493% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 338 |
| Loan loss allowance to noncurrent loans | 15,394.4444% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,888 |
| Noncurrent loans to loans | 0.0144% | 3,828 |
| Net loans and leases to total assets | 67.5100% | 1,726 |
| Net loans and leases to deposits | 74.7331% | 1,980 |
| Net loans and leases to core deposits | 77.5392% | 2,074 |
| Total domestic deposits to total assets | 90.3300% | 1,513 |
| Equity capital to assets | 8.5043% | 2,545 |
| Core capital (leverage) ratio | 10.2204% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6541% | 2,598 |
| Memoranda: | ||
| Average total assets | $361,511,250 | 2,187 |
| Average earning assets | $332,496,000 | 2,198 |
| Average equity | $31,559,250 | 2,292 |
| Average total loans | $239,551,000 | 1,998 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 247 |
| Cost of funding earning assets | 0.1828% | 3,147 |
| Net interest margin | 4.5419% | 180 |
| Noninterest income to average assets | 0.3882% | 2,826 |
| Noninterest expense to average assets | 2.8029% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5187% | 677 |
| Return on assets (ROA) | 1.5316% | 632 |
| Pretax return on assets | 1.7830% | 628 |
| Return on Equity (ROE) | 17.3940% | 526 |
| Retained earnings to average equity (ytd only) | 17.3940% | 132 |
| Net charge-offs to loans | -0.0017% | 3,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3083% | 3,139 |
| Assets per employee ($millions) | 6.4492% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2236% | 372 |
| Loan loss allowance to noncurrent loans | 14,700.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,928 |
| Noncurrent loans to loans | 0.0151% | 3,854 |
| Net loans and leases to total assets | 66.2217% | 1,664 |
| Net loans and leases to deposits | 72.7335% | 1,979 |
| Net loans and leases to core deposits | 75.5938% | 2,052 |
| Total domestic deposits to total assets | 91.0471% | 1,211 |
| Equity capital to assets | 7.8326% | 3,244 |
| Core capital (leverage) ratio | 9.7938% | 2,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4497% | 2,690 |
| Memoranda: | ||
| Average total assets | $361,194,333 | 2,194 |
| Average earning assets | $332,636,000 | 2,217 |
| Average equity | $31,804,000 | 2,321 |
| Average total loans | $235,992,333 | 2,018 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 153 |
| Cost of funding earning assets | 0.1876% | 2,978 |
| Net interest margin | 4.8055% | 120 |
| Noninterest income to average assets | 0.3887% | 2,765 |
| Noninterest expense to average assets | 2.6765% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8141% | 320 |
| Return on assets (ROA) | 1.8216% | 318 |
| Pretax return on assets | 2.1472% | 272 |
| Return on Equity (ROE) | 19.6055% | 244 |
| Retained earnings to average equity (ytd only) | 19.6055% | 104 |
| Net charge-offs to loans | -0.0069% | 3,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5658% | 3,917 |
| Assets per employee ($millions) | 6.5160% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3337% | 353 |
| Loan loss allowance to noncurrent loans | 8,243.9394% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,872 |
| Noncurrent loans to loans | 0.0283% | 3,794 |
| Net loans and leases to total assets | 63.5389% | 1,678 |
| Net loans and leases to deposits | 70.5133% | 1,914 |
| Net loans and leases to core deposits | 73.7772% | 1,960 |
| Total domestic deposits to total assets | 90.1092% | 1,497 |
| Equity capital to assets | 8.6271% | 3,052 |
| Core capital (leverage) ratio | 9.6384% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4191% | 2,801 |
| Memoranda: | ||
| Average total assets | $361,214,000 | 2,201 |
| Average earning assets | $332,703,000 | 2,224 |
| Average equity | $33,562,000 | 2,304 |
| Average total loans | $231,687,500 | 2,034 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6258% | 478 |
| Cost of funding earning assets | 0.2168% | 3,295 |
| Net interest margin | 4.4090% | 323 |
| Noninterest income to average assets | 0.6062% | 2,128 |
| Noninterest expense to average assets | 2.8031% | 1,354 |
| Loan and lease loss provision to assets | 0.2798% | 304 |
| Net operating income to assets | 1.3814% | 1,341 |
| Return on assets (ROA) | 1.3785% | 1,401 |
| Pretax return on assets | 1.6078% | 1,404 |
| Return on Equity (ROE) | 14.1405% | 1,144 |
| Retained earnings to average equity (ytd only) | 11.0558% | 691 |
| Net charge-offs to loans | -0.0053% | 3,570 |
| Credit loss provision to net charge-offs | -8,258.3333% | 4,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7028% | 3,196 |
| Assets per employee ($millions) | 6.6190% | 2,224 |
| Cash dividends to net income (ytd only)* | 21.8148% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3616% | 351 |
| Loan loss allowance to noncurrent loans | 8,114.9254% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 3,953 |
| Noncurrent loans to loans | 0.0291% | 3,866 |
| Net loans and leases to total assets | 61.7463% | 1,973 |
| Net loans and leases to deposits | 74.1236% | 1,713 |
| Net loans and leases to core deposits | 78.0571% | 1,756 |
| Total domestic deposits to total assets | 83.3018% | 3,745 |
| Equity capital to assets | 9.9454% | 2,701 |
| Core capital (leverage) ratio | 9.0697% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1820% | 2,846 |
| Memoranda: | ||
| Average total assets | $354,149,000 | 2,175 |
| Average earning assets | $328,352,400 | 2,195 |
| Average equity | $34,525,000 | 2,311 |
| Average total loans | $224,457,800 | 2,081 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6038% | 564 |
| Cost of funding earning assets | 0.2239% | 3,385 |
| Net interest margin | 4.3798% | 381 |
| Noninterest income to average assets | 0.5459% | 2,425 |
| Noninterest expense to average assets | 2.8435% | 1,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4980% | 1,280 |
| Return on assets (ROA) | 1.4960% | 1,327 |
| Pretax return on assets | 1.7641% | 1,246 |
| Return on Equity (ROE) | 15.4266% | 1,057 |
| Retained earnings to average equity (ytd only) | 15.4266% | 341 |
| Net charge-offs to loans | -0.0048% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6663% | 2,746 |
| Assets per employee ($millions) | 6.6673% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 670 |
| Loan loss allowance to noncurrent loans | 4,112.9630% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0295% | 3,976 |
| Noncurrent loans to loans | 0.0480% | 3,874 |
| Net loans and leases to total assets | 60.1968% | 2,232 |
| Net loans and leases to deposits | 72.1783% | 2,036 |
| Net loans and leases to core deposits | 75.8458% | 2,066 |
| Total domestic deposits to total assets | 83.4001% | 3,607 |
| Equity capital to assets | 9.8636% | 3,035 |
| Core capital (leverage) ratio | 9.3128% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0316% | 2,697 |
| Memoranda: | ||
| Average total assets | $351,674,750 | 2,208 |
| Average earning assets | $326,305,000 | 2,223 |
| Average equity | $34,104,750 | 2,360 |
| Average total loans | $223,016,750 | 2,122 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 860 |
| Cost of funding earning assets | 0.2384% | 3,395 |
| Net interest margin | 4.1543% | 634 |
| Noninterest income to average assets | 0.6629% | 1,958 |
| Noninterest expense to average assets | 2.8142% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4426% | 1,439 |
| Return on assets (ROA) | 1.4377% | 1,525 |
| Pretax return on assets | 1.6933% | 1,494 |
| Return on Equity (ROE) | 14.9149% | 1,181 |
| Retained earnings to average equity (ytd only) | 14.9149% | 444 |
| Net charge-offs to loans | -0.0027% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3418% | 2,686 |
| Assets per employee ($millions) | 6.5213% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 691 |
| Loan loss allowance to noncurrent loans | 6,430.4348% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0192% | 4,154 |
| Noncurrent loans to loans | 0.0301% | 4,056 |
| Net loans and leases to total assets | 62.6562% | 2,101 |
| Net loans and leases to deposits | 75.3816% | 1,882 |
| Net loans and leases to core deposits | 79.6056% | 1,918 |
| Total domestic deposits to total assets | 83.1187% | 3,682 |
| Equity capital to assets | 9.7287% | 3,111 |
| Core capital (leverage) ratio | 9.1676% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0958% | 2,686 |
| Memoranda: | ||
| Average total assets | $346,665,667 | 2,219 |
| Average earning assets | $321,302,333 | 2,236 |
| Average equity | $33,416,333 | 2,386 |
| Average total loans | $222,294,000 | 2,138 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 964 |
| Cost of funding earning assets | 0.2663% | 3,312 |
| Net interest margin | 4.0855% | 735 |
| Noninterest income to average assets | 0.7879% | 1,616 |
| Noninterest expense to average assets | 2.8462% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4583% | 1,427 |
| Return on assets (ROA) | 1.4583% | 1,489 |
| Pretax return on assets | 1.7249% | 1,440 |
| Return on Equity (ROE) | 15.2031% | 1,165 |
| Retained earnings to average equity (ytd only) | 15.2031% | 604 |
| Net charge-offs to loans | 0.0018% | 1,863 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,469.0000% | 58 |
| Efficiency ratio | 62.2399% | 2,716 |
| Assets per employee ($millions) | 6.2607% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9763% | 625 |
| Loan loss allowance to noncurrent loans | 11,366.6667% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,306 |
| Noncurrent loans to loans | 0.0174% | 4,206 |
| Net loans and leases to total assets | 63.8530% | 2,065 |
| Net loans and leases to deposits | 76.6573% | 1,838 |
| Net loans and leases to core deposits | 79.6818% | 2,032 |
| Total domestic deposits to total assets | 83.2966% | 3,618 |
| Equity capital to assets | 9.4869% | 3,217 |
| Core capital (leverage) ratio | 9.1567% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4509% | 2,513 |
| Memoranda: | ||
| Average total assets | $340,663,500 | 2,235 |
| Average earning assets | $315,453,500 | 2,246 |
| Average equity | $32,677,500 | 2,410 |
| Average total loans | $218,858,000 | 2,153 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6154% | 1,072 |
| Cost of funding earning assets | 0.5584% | 2,565 |
| Net interest margin | 4.0570% | 859 |
| Noninterest income to average assets | 0.8516% | 1,391 |
| Noninterest expense to average assets | 2.8052% | 1,930 |
| Loan and lease loss provision to assets | 0.4841% | 534 |
| Net operating income to assets | 1.1386% | 1,769 |
| Return on assets (ROA) | 1.1414% | 1,886 |
| Pretax return on assets | 1.3354% | 1,867 |
| Return on Equity (ROE) | 11.5443% | 1,462 |
| Retained earnings to average equity (ytd only) | 8.4224% | 931 |
| Net charge-offs to loans | -0.0029% | 4,033 |
| Credit loss provision to net charge-offs | -24,833.3333% | 4,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6862% | 3,361 |
| Assets per employee ($millions) | 6.3583% | 2,041 |
| Cash dividends to net income (ytd only)* | 27.0424% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0777% | 506 |
| Loan loss allowance to noncurrent loans | 11,369.2308% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 4,366 |
| Noncurrent loans to loans | 0.0183% | 4,273 |
| Net loans and leases to total assets | 62.0136% | 2,613 |
| Net loans and leases to deposits | 76.7662% | 2,203 |
| Net loans and leases to core deposits | 79.8935% | 2,375 |
| Total domestic deposits to total assets | 80.7825% | 3,913 |
| Equity capital to assets | 9.7000% | 3,407 |
| Core capital (leverage) ratio | 8.9687% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1355% | 2,576 |
| Memoranda: | ||
| Average total assets | $307,780,400 | 2,257 |
| Average earning assets | $286,001,400 | 2,255 |
| Average equity | $30,430,600 | 2,457 |
| Average total loans | $209,133,600 | 2,167 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6807% | 1,103 |
| Cost of funding earning assets | 0.6320% | 2,422 |
| Net interest margin | 4.0487% | 1,012 |
| Noninterest income to average assets | 0.8067% | 1,474 |
| Noninterest expense to average assets | 2.7365% | 2,156 |
| Loan and lease loss provision to assets | 0.4549% | 704 |
| Net operating income to assets | 1.1765% | 1,720 |
| Return on assets (ROA) | 1.1803% | 1,829 |
| Pretax return on assets | 1.3862% | 1,780 |
| Return on Equity (ROE) | 11.8749% | 1,409 |
| Retained earnings to average equity (ytd only) | 11.7856% | 461 |
| Net charge-offs to loans | -0.0019% | 3,880 |
| Credit loss provision to net charge-offs | -34,166.6667% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8195% | 3,413 |
| Assets per employee ($millions) | 5.9781% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.7519% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 784 |
| Loan loss allowance to noncurrent loans | 9,915.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,433 |
| Noncurrent loans to loans | 0.0178% | 4,352 |
| Net loans and leases to total assets | 68.4116% | 2,182 |
| Net loans and leases to deposits | 86.3165% | 1,661 |
| Net loans and leases to core deposits | 89.1475% | 2,045 |
| Total domestic deposits to total assets | 79.2567% | 4,009 |
| Equity capital to assets | 10.0152% | 3,213 |
| Core capital (leverage) ratio | 9.2843% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4063% | 2,457 |
| Memoranda: | ||
| Average total assets | $300,478,250 | 2,280 |
| Average earning assets | $279,525,000 | 2,276 |
| Average equity | $29,866,250 | 2,480 |
| Average total loans | $208,063,750 | 2,176 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7727% | 1,232 |
| Cost of funding earning assets | 0.7130% | 2,315 |
| Net interest margin | 4.0597% | 1,196 |
| Noninterest income to average assets | 0.8156% | 1,393 |
| Noninterest expense to average assets | 2.6441% | 2,539 |
| Loan and lease loss provision to assets | 0.6586% | 438 |
| Net operating income to assets | 1.1080% | 1,946 |
| Return on assets (ROA) | 1.1139% | 2,039 |
| Pretax return on assets | 1.3009% | 2,025 |
| Return on Equity (ROE) | 11.2379% | 1,561 |
| Retained earnings to average equity (ytd only) | 11.1001% | 585 |
| Net charge-offs to loans | 0.0010% | 3,001 |
| Credit loss provision to net charge-offs | 96,500.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 2,861.0000% | 27 |
| Efficiency ratio | 57.5056% | 3,757 |
| Assets per employee ($millions) | 6.2488% | 1,990 |
| Cash dividends to net income (ytd only)* | 1.2255% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 757 |
| Loan loss allowance to noncurrent loans | 9,755.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,512 |
| Noncurrent loans to loans | 0.0178% | 4,430 |
| Net loans and leases to total assets | 67.9815% | 2,356 |
| Net loans and leases to deposits | 86.9845% | 1,661 |
| Net loans and leases to core deposits | 89.4158% | 2,117 |
| Total domestic deposits to total assets | 78.1535% | 4,170 |
| Equity capital to assets | 9.5965% | 3,566 |
| Core capital (leverage) ratio | 9.0972% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2119% | 2,520 |
| Memoranda: | ||
| Average total assets | $293,031,667 | 2,294 |
| Average earning assets | $272,925,667 | 2,292 |
| Average equity | $29,044,667 | 2,519 |
| Average total loans | $202,481,333 | 2,204 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8249% | 1,360 |
| Cost of funding earning assets | 0.8166% | 2,295 |
| Net interest margin | 4.0084% | 1,372 |
| Noninterest income to average assets | 0.5298% | 2,390 |
| Noninterest expense to average assets | 2.8584% | 2,245 |
| Loan and lease loss provision to assets | 0.3032% | 1,023 |
| Net operating income to assets | 0.9518% | 2,343 |
| Return on assets (ROA) | 0.9644% | 2,403 |
| Pretax return on assets | 1.1102% | 2,480 |
| Return on Equity (ROE) | 9.5512% | 1,891 |
| Retained earnings to average equity (ytd only) | 9.2652% | 905 |
| Net charge-offs to loans | 0.0084% | 2,261 |
| Credit loss provision to net charge-offs | 5,250.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 242.2500% | 287 |
| Efficiency ratio | 67.1414% | 2,800 |
| Assets per employee ($millions) | 5.7168% | 1,913 |
| Cash dividends to net income (ytd only)* | 2.9940% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 1,017 |
| Loan loss allowance to noncurrent loans | 7,860.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,575 |
| Noncurrent loans to loans | 0.0206% | 4,490 |
| Net loans and leases to total assets | 66.7340% | 2,730 |
| Net loans and leases to deposits | 83.9632% | 2,233 |
| Net loans and leases to core deposits | 86.6833% | 2,627 |
| Total domestic deposits to total assets | 79.4800% | 3,960 |
| Equity capital to assets | 9.6264% | 4,107 |
| Core capital (leverage) ratio | 10.2779% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2489% | 3,023 |
| Memoranda: | ||
| Average total assets | $277,077,500 | 2,342 |
| Average earning assets | $257,662,000 | 2,337 |
| Average equity | $27,975,500 | 2,576 |
| Average total loans | $191,321,500 | 2,251 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 1,502 |
| Cost of funding earning assets | 0.9393% | 2,012 |
| Net interest margin | 4.0544% | 1,671 |
| Noninterest income to average assets | 0.5621% | 2,408 |
| Noninterest expense to average assets | 2.8988% | 2,299 |
| Loan and lease loss provision to assets | 0.2082% | 966 |
| Net operating income to assets | 1.0418% | 2,690 |
| Return on assets (ROA) | 1.0425% | 2,781 |
| Pretax return on assets | 1.2418% | 2,696 |
| Return on Equity (ROE) | 9.8634% | 2,353 |
| Retained earnings to average equity (ytd only) | 5.4789% | 2,175 |
| Net charge-offs to loans | -0.0135% | 4,545 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6519% | 2,673 |
| Assets per employee ($millions) | 5.5899% | 1,985 |
| Cash dividends to net income (ytd only)* | 44.4527% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 1,074 |
| Loan loss allowance to noncurrent loans | 3,864.4737% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 4,505 |
| Noncurrent loans to loans | 0.0403% | 4,399 |
| Net loans and leases to total assets | 69.2506% | 2,509 |
| Net loans and leases to deposits | 79.0904% | 2,897 |
| Net loans and leases to core deposits | 81.8125% | 3,143 |
| Total domestic deposits to total assets | 87.5587% | 1,338 |
| Equity capital to assets | 10.5975% | 3,349 |
| Core capital (leverage) ratio | 10.0588% | 3,451 |
| Tier 1 risk-based capital ratio | 11.7265% | 4,508 |
| Total risk-based capital ratio | 12.9772% | 4,389 |
| Memoranda: | ||
| Average total assets | $259,387,000 | 2,397 |
| Average earning assets | $242,208,400 | 2,391 |
| Average equity | $27,414,400 | 2,536 |
| Average total loans | $178,156,000 | 2,337 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 1,560 |
| Cost of funding earning assets | 0.9504% | 1,985 |
| Net interest margin | 4.0425% | 1,796 |
| Noninterest income to average assets | 0.5143% | 2,640 |
| Noninterest expense to average assets | 2.8454% | 2,421 |
| Loan and lease loss provision to assets | 0.0933% | 2,044 |
| Net operating income to assets | 1.1419% | 2,406 |
| Return on assets (ROA) | 1.1427% | 2,487 |
| Pretax return on assets | 1.3522% | 2,486 |
| Return on Equity (ROE) | 10.8198% | 2,090 |
| Retained earnings to average equity (ytd only) | 8.3162% | 1,278 |
| Net charge-offs to loans | -0.0160% | 4,521 |
| Credit loss provision to net charge-offs | -857.1429% | 4,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3041% | 2,688 |
| Assets per employee ($millions) | 5.1827% | 2,363 |
| Cash dividends to net income (ytd only)* | 23.1397% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,423 |
| Loan loss allowance to noncurrent loans | 5,362.5000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 4,656 |
| Noncurrent loans to loans | 0.0268% | 4,553 |
| Net loans and leases to total assets | 66.6873% | 2,961 |
| Net loans and leases to deposits | 76.3736% | 3,259 |
| Net loans and leases to core deposits | 79.2205% | 3,449 |
| Total domestic deposits to total assets | 87.3173% | 1,363 |
| Equity capital to assets | 10.8384% | 3,262 |
| Core capital (leverage) ratio | 10.3108% | 3,301 |
| Tier 1 risk-based capital ratio | 12.2480% | 4,284 |
| Total risk-based capital ratio | 13.4189% | 4,215 |
| Memoranda: | ||
| Average total assets | $257,154,500 | 2,433 |
| Average earning assets | $240,172,500 | 2,426 |
| Average equity | $27,159,250 | 2,562 |
| Average total loans | $175,508,000 | 2,391 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9478% | 1,617 |
| Cost of funding earning assets | 0.9526% | 1,895 |
| Net interest margin | 3.9952% | 1,939 |
| Noninterest income to average assets | 0.4561% | 2,926 |
| Noninterest expense to average assets | 2.7932% | 2,608 |
| Loan and lease loss provision to assets | 0.0942% | 1,971 |
| Net operating income to assets | 1.1142% | 2,468 |
| Return on assets (ROA) | 1.1155% | 2,536 |
| Pretax return on assets | 1.3071% | 2,539 |
| Return on Equity (ROE) | 10.6590% | 2,111 |
| Retained earnings to average equity (ytd only) | 10.6590% | 611 |
| Net charge-offs to loans | -0.0206% | 4,552 |
| Credit loss provision to net charge-offs | -666.6667% | 4,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5980% | 2,730 |
| Assets per employee ($millions) | 5.0030% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 1,590 |
| Loan loss allowance to noncurrent loans | 3,747.7612% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 4,647 |
| Noncurrent loans to loans | 0.0375% | 4,523 |
| Net loans and leases to total assets | 69.0376% | 2,671 |
| Net loans and leases to deposits | 79.4101% | 3,011 |
| Net loans and leases to core deposits | 83.1448% | 3,184 |
| Total domestic deposits to total assets | 86.9381% | 1,623 |
| Equity capital to assets | 10.9498% | 3,122 |
| Core capital (leverage) ratio | 10.5004% | 3,087 |
| Tier 1 risk-based capital ratio | 12.3694% | 4,207 |
| Total risk-based capital ratio | 13.5357% | 4,118 |
| Memoranda: | ||
| Average total assets | $254,766,000 | 2,454 |
| Average earning assets | $238,288,330 | 2,442 |
| Average equity | $26,663,000 | 2,589 |
| Average total loans | $174,396,670 | 2,414 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 1,581 |
| Cost of funding earning assets | 0.9416% | 1,828 |
| Net interest margin | 3.9609% | 1,983 |
| Noninterest income to average assets | 0.4541% | 2,833 |
| Noninterest expense to average assets | 2.7419% | 2,772 |
| Loan and lease loss provision to assets | 0.0943% | 1,845 |
| Net operating income to assets | 1.1286% | 2,358 |
| Return on assets (ROA) | 1.1313% | 2,395 |
| Pretax return on assets | 1.3293% | 2,334 |
| Return on Equity (ROE) | 11.0663% | 1,922 |
| Retained earnings to average equity (ytd only) | 11.0663% | 789 |
| Net charge-offs to loans | -0.0348% | 4,701 |
| Credit loss provision to net charge-offs | -400.0000% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8362% | 2,964 |
| Assets per employee ($millions) | 5.3907% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 1,551 |
| Loan loss allowance to noncurrent loans | 3,653.7313% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 4,717 |
| Noncurrent loans to loans | 0.0393% | 4,590 |
| Net loans and leases to total assets | 66.3566% | 2,998 |
| Net loans and leases to deposits | 75.7280% | 3,288 |
| Net loans and leases to core deposits | 79.5562% | 3,407 |
| Total domestic deposits to total assets | 87.6249% | 1,506 |
| Equity capital to assets | 10.4865% | 3,355 |
| Core capital (leverage) ratio | 10.2316% | 3,350 |
| Tier 1 risk-based capital ratio | 13.3090% | 3,714 |
| Total risk-based capital ratio | 14.5592% | 3,618 |
| Memoranda: | ||
| Average total assets | $254,571,500 | 2,482 |
| Average earning assets | $238,330,000 | 2,469 |
| Average equity | $26,025,000 | 2,640 |
| Average total loans | $172,263,000 | 2,456 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7787% | 1,600 |
| Cost of funding earning assets | 0.7309% | 1,896 |
| Net interest margin | 4.0478% | 1,837 |
| Noninterest income to average assets | 0.5589% | 2,499 |
| Noninterest expense to average assets | 3.0127% | 2,016 |
| Loan and lease loss provision to assets | 0.1941% | 978 |
| Net operating income to assets | 0.9523% | 3,216 |
| Return on assets (ROA) | 0.9523% | 3,214 |
| Pretax return on assets | 1.1162% | 3,216 |
| Return on Equity (ROE) | 9.0161% | 2,986 |
| Retained earnings to average equity (ytd only) | 6.3097% | 2,032 |
| Net charge-offs to loans | 0.0006% | 3,764 |
| Credit loss provision to net charge-offs | 45,500.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 3,071.0000% | 26 |
| Efficiency ratio | 69.6704% | 2,247 |
| Assets per employee ($millions) | 5.2200% | 2,244 |
| Cash dividends to net income (ytd only)* | 30.0179% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 1,772 |
| Loan loss allowance to noncurrent loans | 5,650.0000% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 4,808 |
| Noncurrent loans to loans | 0.0241% | 4,671 |
| Net loans and leases to total assets | 67.0819% | 2,987 |
| Net loans and leases to deposits | 76.2607% | 3,330 |
| Net loans and leases to core deposits | 80.0536% | 3,428 |
| Total domestic deposits to total assets | 87.9639% | 1,311 |
| Equity capital to assets | 9.9621% | 3,714 |
| Core capital (leverage) ratio | 9.9990% | 3,579 |
| Tier 1 risk-based capital ratio | 12.7716% | 3,980 |
| Total risk-based capital ratio | 13.9772% | 3,884 |
| Memoranda: | ||
| Average total assets | $234,376,000 | 2,580 |
| Average earning assets | $217,945,000 | 2,578 |
| Average equity | $24,755,600 | 2,659 |
| Average total loans | $163,495,600 | 2,493 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 1,583 |
| Cost of funding earning assets | 0.6632% | 2,078 |
| Net interest margin | 4.0727% | 1,713 |
| Noninterest income to average assets | 0.5694% | 2,478 |
| Noninterest expense to average assets | 3.0307% | 1,926 |
| Loan and lease loss provision to assets | 0.1950% | 903 |
| Net operating income to assets | 0.9606% | 3,263 |
| Return on assets (ROA) | 0.9606% | 3,280 |
| Pretax return on assets | 1.1259% | 3,290 |
| Return on Equity (ROE) | 8.9523% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.9523% | 1,236 |
| Net charge-offs to loans | -0.0066% | 4,291 |
| Credit loss provision to net charge-offs | -4,187.5000% | 4,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6187% | 2,254 |
| Assets per employee ($millions) | 5.0047% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 1,999 |
| Loan loss allowance to noncurrent loans | 5,260.4651% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,909 |
| Noncurrent loans to loans | 0.0251% | 4,784 |
| Net loans and leases to total assets | 68.9845% | 2,801 |
| Net loans and leases to deposits | 78.7159% | 3,171 |
| Net loans and leases to core deposits | 84.4052% | 3,124 |
| Total domestic deposits to total assets | 87.6373% | 1,424 |
| Equity capital to assets | 10.2790% | 3,361 |
| Core capital (leverage) ratio | 10.5936% | 2,986 |
| Tier 1 risk-based capital ratio | 12.9841% | 3,919 |
| Total risk-based capital ratio | 14.1500% | 3,867 |
| Memoranda: | ||
| Average total assets | $229,025,000 | 2,632 |
| Average earning assets | $212,697,750 | 2,632 |
| Average equity | $24,574,250 | 2,681 |
| Average total loans | $160,880,750 | 2,524 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7074% | 1,486 |
| Cost of funding earning assets | 0.6050% | 2,197 |
| Net interest margin | 4.1025% | 1,550 |
| Noninterest income to average assets | 0.5295% | 2,693 |
| Noninterest expense to average assets | 3.0650% | 1,874 |
| Loan and lease loss provision to assets | 0.2012% | 852 |
| Net operating income to assets | 0.9060% | 3,432 |
| Return on assets (ROA) | 0.9060% | 3,439 |
| Pretax return on assets | 1.0661% | 3,449 |
| Return on Equity (ROE) | 8.3158% | 3,355 |
| Retained earnings to average equity (ytd only) | 8.3158% | 1,485 |
| Net charge-offs to loans | -0.0064% | 4,166 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7267% | 2,206 |
| Assets per employee ($millions) | 4.8915% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 2,198 |
| Loan loss allowance to noncurrent loans | 4,995.3488% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 4,938 |
| Noncurrent loans to loans | 0.0259% | 4,811 |
| Net loans and leases to total assets | 71.2684% | 2,397 |
| Net loans and leases to deposits | 82.3993% | 2,728 |
| Net loans and leases to core deposits | 86.4819% | 2,881 |
| Total domestic deposits to total assets | 86.4915% | 2,058 |
| Equity capital to assets | 10.7769% | 2,857 |
| Core capital (leverage) ratio | 10.8446% | 2,665 |
| Tier 1 risk-based capital ratio | 13.0304% | 3,877 |
| Total risk-based capital ratio | 14.1718% | 3,860 |
| Memoranda: | ||
| Average total assets | $223,623,670 | 2,695 |
| Average earning assets | $207,288,670 | 2,693 |
| Average equity | $24,363,330 | 2,717 |
| Average total loans | $157,363,670 | 2,577 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 1,560 |
| Cost of funding earning assets | 0.5541% | 2,370 |
| Net interest margin | 4.0490% | 1,565 |
| Noninterest income to average assets | 0.4953% | 2,830 |
| Noninterest expense to average assets | 3.0623% | 1,917 |
| Loan and lease loss provision to assets | 0.2177% | 728 |
| Net operating income to assets | 0.7910% | 3,740 |
| Return on assets (ROA) | 0.7910% | 3,745 |
| Pretax return on assets | 0.9670% | 3,646 |
| Return on Equity (ROE) | 7.2194% | 3,692 |
| Retained earnings to average equity (ytd only) | 7.2194% | 2,176 |
| Net charge-offs to loans | -0.0078% | 4,159 |
| Credit loss provision to net charge-offs | -4,000.0000% | 4,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0632% | 2,186 |
| Assets per employee ($millions) | 4.8962% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,288 |
| Loan loss allowance to noncurrent loans | 4,165.3061% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 5,004 |
| Noncurrent loans to loans | 0.0310% | 4,840 |
| Net loans and leases to total assets | 69.3092% | 2,589 |
| Net loans and leases to deposits | 82.5043% | 2,548 |
| Net loans and leases to core deposits | 85.5978% | 2,840 |
| Total domestic deposits to total assets | 84.0068% | 3,323 |
| Equity capital to assets | 10.7181% | 2,854 |
| Core capital (leverage) ratio | 11.0015% | 2,435 |
| Tier 1 risk-based capital ratio | 13.1780% | 3,865 |
| Total risk-based capital ratio | 14.3037% | 3,832 |
| Memoranda: | ||
| Average total assets | $220,485,500 | 2,753 |
| Average earning assets | $204,298,000 | 2,745 |
| Average equity | $24,157,000 | 2,760 |
| Average total loans | $153,048,500 | 2,652 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 2,014 |
| Cost of funding earning assets | 0.4384% | 2,891 |
| Net interest margin | 3.9678% | 1,853 |
| Noninterest income to average assets | 0.6151% | 2,379 |
| Noninterest expense to average assets | 3.1295% | 1,778 |
| Loan and lease loss provision to assets | 0.1648% | 1,340 |
| Net operating income to assets | 0.8939% | 2,749 |
| Return on assets (ROA) | 0.8957% | 2,764 |
| Pretax return on assets | 0.9798% | 3,645 |
| Return on Equity (ROE) | 8.9775% | 2,328 |
| Retained earnings to average equity (ytd only) | 5.9801% | 1,550 |
| Net charge-offs to loans | -0.0060% | 4,673 |
| Credit loss provision to net charge-offs | -4,237.5000% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2415% | 2,023 |
| Assets per employee ($millions) | 4.7943% | 2,743 |
| Cash dividends to net income (ytd only)* | 33.3876% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,232 |
| Loan loss allowance to noncurrent loans | 4,359.0909% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 5,054 |
| Noncurrent loans to loans | 0.0297% | 4,877 |
| Net loans and leases to total assets | 67.6890% | 2,866 |
| Net loans and leases to deposits | 82.4977% | 2,668 |
| Net loans and leases to core deposits | 85.3791% | 2,955 |
| Total domestic deposits to total assets | 82.0496% | 3,858 |
| Equity capital to assets | 11.2049% | 2,424 |
| Core capital (leverage) ratio | 11.0429% | 2,298 |
| Tier 1 risk-based capital ratio | 13.6670% | 3,538 |
| Total risk-based capital ratio | 14.7866% | 3,518 |
| Memoranda: | ||
| Average total assets | $205,654,000 | 2,865 |
| Average earning assets | $189,548,600 | 2,871 |
| Average equity | $20,518,000 | 3,079 |
| Average total loans | $132,768,400 | 2,880 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 2,200 |
| Cost of funding earning assets | 0.4276% | 2,903 |
| Net interest margin | 3.8962% | 2,055 |
| Noninterest income to average assets | 0.5822% | 2,572 |
| Noninterest expense to average assets | 3.1716% | 1,633 |
| Loan and lease loss provision to assets | 0.0610% | 2,857 |
| Net operating income to assets | 0.7828% | 3,592 |
| Return on assets (ROA) | 0.7850% | 3,637 |
| Pretax return on assets | 0.9406% | 3,895 |
| Return on Equity (ROE) | 8.1342% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.1342% | 1,172 |
| Net charge-offs to loans | -0.0217% | 4,879 |
| Credit loss provision to net charge-offs | -442.8571% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0466% | 1,581 |
| Assets per employee ($millions) | 4.5697% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 3,012 |
| Loan loss allowance to noncurrent loans | 3,829.5455% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 5,144 |
| Noncurrent loans to loans | 0.0310% | 4,986 |
| Net loans and leases to total assets | 66.8126% | 3,002 |
| Net loans and leases to deposits | 80.6375% | 2,907 |
| Net loans and leases to core deposits | 84.7590% | 3,067 |
| Total domestic deposits to total assets | 82.8554% | 3,507 |
| Equity capital to assets | 11.6148% | 2,259 |
| Core capital (leverage) ratio | 11.2868% | 2,193 |
| Tier 1 risk-based capital ratio | 14.2962% | 3,302 |
| Total risk-based capital ratio | 15.3221% | 3,321 |
| Memoranda: | ||
| Average total assets | $203,131,500 | 2,920 |
| Average earning assets | $187,084,250 | 2,919 |
| Average equity | $19,604,000 | 3,210 |
| Average total loans | $128,972,250 | 2,952 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 2,313 |
| Cost of funding earning assets | 0.4120% | 2,959 |
| Net interest margin | 3.8320% | 2,167 |
| Noninterest income to average assets | 0.5837% | 2,540 |
| Noninterest expense to average assets | 3.1279% | 1,775 |
| Loan and lease loss provision to assets | 0.0548% | 2,878 |
| Net operating income to assets | 0.7836% | 3,473 |
| Return on assets (ROA) | 0.7870% | 3,511 |
| Pretax return on assets | 0.9254% | 3,843 |
| Return on Equity (ROE) | 8.7776% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.7776% | 906 |
| Net charge-offs to loans | -0.0305% | 4,962 |
| Credit loss provision to net charge-offs | -289.4737% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2136% | 1,687 |
| Assets per employee ($millions) | 4.3578% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 2,612 |
| Loan loss allowance to noncurrent loans | 1,394.0678% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 4,987 |
| Noncurrent loans to loans | 0.0905% | 4,764 |
| Net loans and leases to total assets | 61.5328% | 3,683 |
| Net loans and leases to deposits | 72.9520% | 3,651 |
| Net loans and leases to core deposits | 75.4942% | 3,817 |
| Total domestic deposits to total assets | 84.3469% | 3,066 |
| Equity capital to assets | 8.9667% | 4,934 |
| Core capital (leverage) ratio | 8.8788% | 4,864 |
| Tier 1 risk-based capital ratio | 11.4046% | 5,015 |
| Total risk-based capital ratio | 12.4620% | 5,028 |
| Memoranda: | ||
| Average total assets | $200,773,330 | 2,961 |
| Average earning assets | $184,445,670 | 2,964 |
| Average equity | $18,000,330 | 3,392 |
| Average total loans | $124,586,670 | 3,030 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 2,249 |
| Cost of funding earning assets | 0.3840% | 3,157 |
| Net interest margin | 3.8244% | 2,031 |
| Noninterest income to average assets | 0.6023% | 2,402 |
| Noninterest expense to average assets | 3.1764% | 1,675 |
| Loan and lease loss provision to assets | 0.0509% | 2,791 |
| Net operating income to assets | 0.7679% | 3,381 |
| Return on assets (ROA) | 0.7732% | 3,404 |
| Pretax return on assets | 0.8872% | 3,817 |
| Return on Equity (ROE) | 8.6253% | 2,605 |
| Retained earnings to average equity (ytd only) | 8.6253% | 1,225 |
| Net charge-offs to loans | -0.0887% | 5,412 |
| Credit loss provision to net charge-offs | -92.5926% | 3,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3155% | 1,717 |
| Assets per employee ($millions) | 4.3326% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3069% | 2,508 |
| Loan loss allowance to noncurrent loans | 1,288.0952% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.0632% | 5,025 |
| Noncurrent loans to loans | 0.1015% | 4,787 |
| Net loans and leases to total assets | 61.4991% | 3,599 |
| Net loans and leases to deposits | 73.9817% | 3,404 |
| Net loans and leases to core deposits | 75.6984% | 3,683 |
| Total domestic deposits to total assets | 83.1274% | 3,791 |
| Equity capital to assets | 8.9850% | 4,818 |
| Core capital (leverage) ratio | 8.9735% | 4,770 |
| Tier 1 risk-based capital ratio | 11.7573% | 4,880 |
| Total risk-based capital ratio | 12.8604% | 4,866 |
| Memoranda: | ||
| Average total assets | $196,573,500 | 3,029 |
| Average earning assets | $180,210,500 | 3,033 |
| Average equity | $17,622,500 | 3,465 |
| Average total loans | $121,702,500 | 3,088 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 3,010 |
| Cost of funding earning assets | 0.3664% | 3,352 |
| Net interest margin | 3.6872% | 2,753 |
| Noninterest income to average assets | 0.8422% | 1,612 |
| Noninterest expense to average assets | 3.1927% | 1,805 |
| Loan and lease loss provision to assets | 0.0805% | 2,752 |
| Net operating income to assets | 0.7871% | 3,368 |
| Return on assets (ROA) | 0.8100% | 3,366 |
| Pretax return on assets | 0.9924% | 3,501 |
| Return on Equity (ROE) | 8.4931% | 2,678 |
| Retained earnings to average equity (ytd only) | 5.4671% | 2,031 |
| Net charge-offs to loans | -0.0329% | 5,282 |
| Credit loss provision to net charge-offs | -428.5714% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3418% | 2,087 |
| Assets per employee ($millions) | 4.4056% | 3,271 |
| Cash dividends to net income (ytd only)* | 35.6291% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,444 |
| Loan loss allowance to noncurrent loans | 1,619.5876% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 5,142 |
| Noncurrent loans to loans | 0.0814% | 4,913 |
| Net loans and leases to total assets | 60.6888% | 3,776 |
| Net loans and leases to deposits | 71.8999% | 3,717 |
| Net loans and leases to core deposits | 73.4023% | 3,968 |
| Total domestic deposits to total assets | 84.4074% | 3,266 |
| Equity capital to assets | 8.9441% | 4,868 |
| Core capital (leverage) ratio | 8.9176% | 4,835 |
| Tier 1 risk-based capital ratio | 12.1123% | 4,652 |
| Total risk-based capital ratio | 13.2400% | 4,617 |
| Memoranda: | ||
| Average total assets | $186,424,000 | 3,094 |
| Average earning assets | $171,677,000 | 3,092 |
| Average equity | $17,779,200 | 3,440 |
| Average total loans | $106,460,000 | 3,268 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 3,169 |
| Cost of funding earning assets | 0.3697% | 3,331 |
| Net interest margin | 3.6454% | 2,910 |
| Noninterest income to average assets | 0.8177% | 1,692 |
| Noninterest expense to average assets | 3.2493% | 1,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7624% | 3,545 |
| Return on assets (ROA) | 0.7932% | 3,541 |
| Pretax return on assets | 0.9680% | 3,749 |
| Return on Equity (ROE) | 8.1833% | 2,919 |
| Retained earnings to average equity (ytd only) | 8.1833% | 1,098 |
| Net charge-offs to loans | -0.0361% | 5,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7394% | 1,723 |
| Assets per employee ($millions) | 4.4133% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,815 |
| Loan loss allowance to noncurrent loans | 1,457.7320% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 5,253 |
| Noncurrent loans to loans | 0.0875% | 4,994 |
| Net loans and leases to total assets | 57.6665% | 4,127 |
| Net loans and leases to deposits | 67.5760% | 4,194 |
| Net loans and leases to core deposits | 70.5115% | 4,287 |
| Total domestic deposits to total assets | 85.3357% | 2,663 |
| Equity capital to assets | 9.7832% | 4,378 |
| Core capital (leverage) ratio | 9.2843% | 4,477 |
| Tier 1 risk-based capital ratio | 12.8104% | 4,271 |
| Total risk-based capital ratio | 13.8755% | 4,299 |
| Memoranda: | ||
| Average total assets | $184,568,000 | 3,122 |
| Average earning assets | $170,221,750 | 3,121 |
| Average equity | $17,889,500 | 3,450 |
| Average total loans | $103,271,250 | 3,332 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,387 |
| Cost of funding earning assets | 0.3739% | 3,316 |
| Net interest margin | 3.5851% | 3,157 |
| Noninterest income to average assets | 0.7132% | 2,078 |
| Noninterest expense to average assets | 3.2642% | 1,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6399% | 4,096 |
| Return on assets (ROA) | 0.6771% | 4,054 |
| Pretax return on assets | 0.7964% | 4,292 |
| Return on Equity (ROE) | 7.0086% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.0086% | 1,593 |
| Net charge-offs to loans | -0.0377% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2636% | 1,356 |
| Assets per employee ($millions) | 4.0920% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 2,538 |
| Loan loss allowance to noncurrent loans | 322.2477% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 4,523 |
| Noncurrent loans to loans | 0.4186% | 3,854 |
| Net loans and leases to total assets | 57.0745% | 4,207 |
| Net loans and leases to deposits | 66.9573% | 4,271 |
| Net loans and leases to core deposits | 69.8315% | 4,337 |
| Total domestic deposits to total assets | 85.2401% | 2,762 |
| Equity capital to assets | 10.0934% | 4,101 |
| Core capital (leverage) ratio | 9.1683% | 4,637 |
| Tier 1 risk-based capital ratio | 13.3050% | 4,017 |
| Total risk-based capital ratio | 14.4367% | 4,001 |
| Memoranda: | ||
| Average total assets | $182,832,670 | 3,158 |
| Average earning assets | $168,477,000 | 3,163 |
| Average equity | $17,664,000 | 3,490 |
| Average total loans | $100,745,000 | 3,395 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8822% | 3,652 |
| Cost of funding earning assets | 0.3694% | 3,404 |
| Net interest margin | 3.5128% | 3,418 |
| Noninterest income to average assets | 0.6210% | 2,411 |
| Noninterest expense to average assets | 3.2200% | 1,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5610% | 4,362 |
| Return on assets (ROA) | 0.6101% | 4,254 |
| Pretax return on assets | 0.6991% | 4,534 |
| Return on Equity (ROE) | 6.4562% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.4562% | 2,163 |
| Net charge-offs to loans | -0.0202% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3614% | 1,217 |
| Assets per employee ($millions) | 4.1912% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 2,420 |
| Loan loss allowance to noncurrent loans | 321.2471% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.2348% | 4,617 |
| Noncurrent loans to loans | 0.4360% | 3,878 |
| Net loans and leases to total assets | 53.1009% | 4,530 |
| Net loans and leases to deposits | 61.9896% | 4,576 |
| Net loans and leases to core deposits | 64.6587% | 4,648 |
| Total domestic deposits to total assets | 85.6610% | 2,827 |
| Equity capital to assets | 9.5698% | 4,597 |
| Core capital (leverage) ratio | 9.0170% | 4,838 |
| Tier 1 risk-based capital ratio | 13.5377% | 3,956 |
| Total risk-based capital ratio | 14.7023% | 3,930 |
| Memoranda: | ||
| Average total assets | $184,224,500 | 3,155 |
| Average earning assets | $170,006,500 | 3,154 |
| Average equity | $17,409,500 | 3,523 |
| Average total loans | $99,034,000 | 3,440 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9228% | 3,625 |
| Cost of funding earning assets | 0.3691% | 3,498 |
| Net interest margin | 3.5537% | 3,305 |
| Noninterest income to average assets | 0.7512% | 1,979 |
| Noninterest expense to average assets | 3.1532% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7138% | 3,742 |
| Return on assets (ROA) | 0.7124% | 3,865 |
| Pretax return on assets | 0.8554% | 4,000 |
| Return on Equity (ROE) | 7.1347% | 3,442 |
| Retained earnings to average equity (ytd only) | 4.4813% | 2,798 |
| Net charge-offs to loans | -0.0410% | 5,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6260% | 1,869 |
| Assets per employee ($millions) | 4.1826% | 3,602 |
| Cash dividends to net income (ytd only)* | 37.1901% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 2,407 |
| Loan loss allowance to noncurrent loans | 365.6992% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,772 |
| Noncurrent loans to loans | 0.3838% | 4,076 |
| Net loans and leases to total assets | 52.9060% | 4,613 |
| Net loans and leases to deposits | 61.7241% | 4,653 |
| Net loans and leases to core deposits | 63.9774% | 4,739 |
| Total domestic deposits to total assets | 85.7137% | 2,768 |
| Equity capital to assets | 9.3302% | 4,755 |
| Core capital (leverage) ratio | 8.7509% | 5,164 |
| Tier 1 risk-based capital ratio | 13.5194% | 3,995 |
| Total risk-based capital ratio | 14.7007% | 3,970 |
| Memoranda: | ||
| Average total assets | $169,858,200 | 3,306 |
| Average earning assets | $155,780,800 | 3,319 |
| Average equity | $16,959,400 | 3,531 |
| Average total loans | $90,242,000 | 3,586 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,637 |
| Cost of funding earning assets | 0.3677% | 3,572 |
| Net interest margin | 3.5615% | 3,297 |
| Noninterest income to average assets | 0.7784% | 1,889 |
| Noninterest expense to average assets | 3.2235% | 1,904 |
| Loan and lease loss provision to assets | 0.0241% | 3,795 |
| Net operating income to assets | 0.6690% | 4,038 |
| Return on assets (ROA) | 0.6670% | 4,161 |
| Pretax return on assets | 0.7897% | 4,365 |
| Return on Equity (ROE) | 6.5614% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.5614% | 1,914 |
| Net charge-offs to loans | -0.0484% | 5,538 |
| Credit loss provision to net charge-offs | -93.7500% | 5,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7976% | 1,687 |
| Assets per employee ($millions) | 4.0709% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5508% | 1,962 |
| Loan loss allowance to noncurrent loans | 292.1325% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 4,492 |
| Noncurrent loans to loans | 0.5308% | 3,750 |
| Net loans and leases to total assets | 50.0092% | 4,932 |
| Net loans and leases to deposits | 58.7849% | 4,935 |
| Net loans and leases to core deposits | 59.7065% | 5,087 |
| Total domestic deposits to total assets | 85.0715% | 2,975 |
| Equity capital to assets | 9.6147% | 4,618 |
| Core capital (leverage) ratio | 9.3057% | 4,576 |
| Tier 1 risk-based capital ratio | 14.5005% | 3,574 |
| Total risk-based capital ratio | 15.7508% | 3,486 |
| Memoranda: | ||
| Average total assets | $166,313,750 | 3,392 |
| Average earning assets | $152,292,500 | 3,390 |
| Average equity | $16,906,500 | 3,570 |
| Average total loans | $88,114,500 | 3,666 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,305 |
| Cost of funding earning assets | 0.3687% | 3,616 |
| Net interest margin | 3.6279% | 2,984 |
| Noninterest income to average assets | 0.8134% | 1,722 |
| Noninterest expense to average assets | 3.3114% | 1,667 |
| Loan and lease loss provision to assets | 0.0370% | 3,378 |
| Net operating income to assets | 0.6671% | 4,045 |
| Return on assets (ROA) | 0.6640% | 4,162 |
| Pretax return on assets | 0.7887% | 4,353 |
| Return on Equity (ROE) | 6.4043% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.4043% | 2,000 |
| Net charge-offs to loans | -0.0046% | 4,714 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9702% | 1,767 |
| Assets per employee ($millions) | 3.8616% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5429% | 2,102 |
| Loan loss allowance to noncurrent loans | 285.9213% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 4,535 |
| Noncurrent loans to loans | 0.5396% | 3,836 |
| Net loans and leases to total assets | 51.8668% | 4,765 |
| Net loans and leases to deposits | 61.4818% | 4,736 |
| Net loans and leases to core deposits | 62.3637% | 4,918 |
| Total domestic deposits to total assets | 84.3613% | 3,416 |
| Equity capital to assets | 9.9552% | 4,088 |
| Core capital (leverage) ratio | 9.5674% | 4,182 |
| Tier 1 risk-based capital ratio | 14.6040% | 3,576 |
| Total risk-based capital ratio | 15.8541% | 3,508 |
| Memoranda: | ||
| Average total assets | $162,044,670 | 3,464 |
| Average earning assets | $148,625,670 | 3,476 |
| Average equity | $16,801,330 | 3,600 |
| Average total loans | $87,156,670 | 3,709 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 2,779 |
| Cost of funding earning assets | 0.3724% | 3,619 |
| Net interest margin | 3.7410% | 2,464 |
| Noninterest income to average assets | 0.8602% | 1,528 |
| Noninterest expense to average assets | 3.3192% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7879% | 3,323 |
| Return on assets (ROA) | 0.7817% | 3,486 |
| Pretax return on assets | 0.9639% | 3,632 |
| Return on Equity (ROE) | 7.3815% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.3815% | 1,820 |
| Net charge-offs to loans | -0.0512% | 5,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3585% | 2,285 |
| Assets per employee ($millions) | 3.6500% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5714% | 2,156 |
| Loan loss allowance to noncurrent loans | 232.0819% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 4,473 |
| Noncurrent loans to loans | 0.6771% | 3,590 |
| Net loans and leases to total assets | 53.0417% | 4,552 |
| Net loans and leases to deposits | 64.1248% | 4,358 |
| Net loans and leases to core deposits | 65.1170% | 4,603 |
| Total domestic deposits to total assets | 82.7163% | 4,268 |
| Equity capital to assets | 10.5391% | 3,491 |
| Core capital (leverage) ratio | 9.9063% | 3,735 |
| Tier 1 risk-based capital ratio | 14.8944% | 3,487 |
| Total risk-based capital ratio | 16.1534% | 3,419 |
| Memoranda: | ||
| Average total assets | $158,111,000 | 3,536 |
| Average earning assets | $144,988,500 | 3,550 |
| Average equity | $16,744,500 | 3,624 |
| Average total loans | $85,980,500 | 3,752 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 3,573 |
| Cost of funding earning assets | 0.4051% | 3,641 |
| Net interest margin | 3.6318% | 3,286 |
| Noninterest income to average assets | 0.8291% | 1,757 |
| Noninterest expense to average assets | 3.2670% | 2,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7308% | 3,727 |
| Return on assets (ROA) | 0.7363% | 3,812 |
| Pretax return on assets | 0.8725% | 3,990 |
| Return on Equity (ROE) | 6.9692% | 3,656 |
| Retained earnings to average equity (ytd only) | 4.3845% | 3,058 |
| Net charge-offs to loans | 0.0438% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 39.8788% | 1,087 |
| Efficiency ratio | 79.0479% | 2,058 |
| Assets per employee ($millions) | 3.6191% | 4,686 |
| Cash dividends to net income (ytd only)* | 37.0867% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 2,156 |
| Loan loss allowance to noncurrent loans | 159.8341% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 3,852 |
| Noncurrent loans to loans | 0.9881% | 2,860 |
| Net loans and leases to total assets | 54.0200% | 4,581 |
| Net loans and leases to deposits | 64.1686% | 4,510 |
| Net loans and leases to core deposits | 65.1674% | 4,735 |
| Total domestic deposits to total assets | 84.1846% | 3,633 |
| Equity capital to assets | 10.6432% | 3,309 |
| Core capital (leverage) ratio | 9.4064% | 4,370 |
| Tier 1 risk-based capital ratio | 14.5075% | 3,773 |
| Total risk-based capital ratio | 15.7588% | 3,714 |
| Memoranda: | ||
| Average total assets | $151,973,200 | 3,603 |
| Average earning assets | $138,252,600 | 3,626 |
| Average equity | $16,056,400 | 3,659 |
| Average total loans | $75,295,600 | 4,012 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0001% | 3,760 |
| Cost of funding earning assets | 0.4114% | 3,663 |
| Net interest margin | 3.5888% | 3,472 |
| Noninterest income to average assets | 0.8535% | 1,683 |
| Noninterest expense to average assets | 3.2569% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7260% | 3,809 |
| Return on assets (ROA) | 0.7335% | 3,867 |
| Pretax return on assets | 0.8623% | 4,138 |
| Return on Equity (ROE) | 6.9554% | 3,728 |
| Retained earnings to average equity (ytd only) | 6.9554% | 1,840 |
| Net charge-offs to loans | 0.0770% | 3,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 23.0232% | 1,606 |
| Efficiency ratio | 79.2356% | 2,019 |
| Assets per employee ($millions) | 3.6397% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 2,016 |
| Loan loss allowance to noncurrent loans | 175.6225% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 4,263 |
| Noncurrent loans to loans | 0.9598% | 3,161 |
| Net loans and leases to total assets | 49.9374% | 5,019 |
| Net loans and leases to deposits | 59.2818% | 5,003 |
| Net loans and leases to core deposits | 60.1964% | 5,176 |
| Total domestic deposits to total assets | 84.2372% | 3,669 |
| Equity capital to assets | 10.5912% | 3,440 |
| Core capital (leverage) ratio | 9.6793% | 4,112 |
| Tier 1 risk-based capital ratio | 15.4652% | 3,345 |
| Total risk-based capital ratio | 16.7168% | 3,278 |
| Memoranda: | ||
| Average total assets | $151,061,500 | 3,641 |
| Average earning assets | $137,091,500 | 3,673 |
| Average equity | $15,929,750 | 3,699 |
| Average total loans | $72,765,750 | 4,128 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0101% | 3,695 |
| Cost of funding earning assets | 0.4094% | 3,779 |
| Net interest margin | 3.6007% | 3,356 |
| Noninterest income to average assets | 0.8215% | 1,757 |
| Noninterest expense to average assets | 3.2979% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6866% | 3,915 |
| Return on assets (ROA) | 0.6901% | 3,985 |
| Pretax return on assets | 0.7920% | 4,306 |
| Return on Equity (ROE) | 6.5545% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.5545% | 2,006 |
| Net charge-offs to loans | -0.0964% | 6,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7150% | 1,917 |
| Assets per employee ($millions) | 3.5761% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9449% | 1,473 |
| Loan loss allowance to noncurrent loans | 332.3944% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 5,137 |
| Noncurrent loans to loans | 0.5851% | 4,270 |
| Net loans and leases to total assets | 47.5309% | 5,214 |
| Net loans and leases to deposits | 56.2277% | 5,176 |
| Net loans and leases to core deposits | 57.0285% | 5,344 |
| Total domestic deposits to total assets | 84.5330% | 3,708 |
| Equity capital to assets | 10.7945% | 3,096 |
| Core capital (leverage) ratio | 9.8351% | 3,837 |
| Tier 1 risk-based capital ratio | 16.2252% | 2,969 |
| Total risk-based capital ratio | 17.4794% | 2,912 |
| Memoranda: | ||
| Average total assets | $149,246,000 | 3,689 |
| Average earning assets | $135,308,670 | 3,722 |
| Average equity | $15,714,330 | 3,741 |
| Average total loans | $70,522,330 | 4,216 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 3,344 |
| Cost of funding earning assets | 0.4095% | 3,859 |
| Net interest margin | 3.6765% | 2,960 |
| Noninterest income to average assets | 0.7609% | 1,906 |
| Noninterest expense to average assets | 3.2722% | 2,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7098% | 3,633 |
| Return on assets (ROA) | 0.7098% | 3,715 |
| Pretax return on assets | 0.8201% | 4,030 |
| Return on Equity (ROE) | 6.8283% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.8283% | 2,130 |
| Net charge-offs to loans | -0.1095% | 6,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9606% | 2,216 |
| Assets per employee ($millions) | 3.4649% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9778% | 1,558 |
| Loan loss allowance to noncurrent loans | 412.0588% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 5,428 |
| Noncurrent loans to loans | 0.4800% | 4,721 |
| Net loans and leases to total assets | 46.6038% | 5,266 |
| Net loans and leases to deposits | 55.1619% | 5,185 |
| Net loans and leases to core deposits | 55.9508% | 5,355 |
| Total domestic deposits to total assets | 84.4855% | 4,090 |
| Equity capital to assets | 10.5591% | 3,193 |
| Core capital (leverage) ratio | 9.7399% | 3,938 |
| Tier 1 risk-based capital ratio | 16.0700% | 3,142 |
| Total risk-based capital ratio | 17.3233% | 3,091 |
| Memoranda: | ||
| Average total assets | $148,770,500 | 3,717 |
| Average earning assets | $134,801,000 | 3,749 |
| Average equity | $15,465,000 | 3,784 |
| Average total loans | $69,380,500 | 4,287 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 4,606 |
| Cost of funding earning assets | 0.4715% | 3,897 |
| Net interest margin | 3.3892% | 4,322 |
| Noninterest income to average assets | 1.0346% | 1,312 |
| Noninterest expense to average assets | 3.3417% | 2,019 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6722% | 3,930 |
| Return on assets (ROA) | 0.6921% | 3,926 |
| Pretax return on assets | 0.7912% | 4,174 |
| Return on Equity (ROE) | 6.3968% | 3,874 |
| Retained earnings to average equity (ytd only) | 3.9483% | 3,395 |
| Net charge-offs to loans | 0.2217% | 2,692 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 7.5890% | 2,809 |
| Efficiency ratio | 81.3059% | 1,977 |
| Assets per employee ($millions) | 3.6232% | 4,627 |
| Cash dividends to net income (ytd only)* | 38.2766% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0346% | 1,478 |
| Loan loss allowance to noncurrent loans | 192.4791% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.5082% | 4,718 |
| Noncurrent loans to loans | 1.0570% | 3,400 |
| Net loans and leases to total assets | 44.7947% | 5,601 |
| Net loans and leases to deposits | 52.7771% | 5,564 |
| Net loans and leases to core deposits | 53.5247% | 5,706 |
| Total domestic deposits to total assets | 84.8752% | 3,812 |
| Equity capital to assets | 10.2308% | 3,468 |
| Core capital (leverage) ratio | 9.5269% | 4,224 |
| Tier 1 risk-based capital ratio | 16.4321% | 2,890 |
| Total risk-based capital ratio | 17.6863% | 2,848 |
| Memoranda: | ||
| Average total assets | $144,206,000 | 3,807 |
| Average earning assets | $130,856,200 | 3,826 |
| Average equity | $15,601,600 | 3,763 |
| Average total loans | $65,850,000 | 4,414 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 4,707 |
| Cost of funding earning assets | 0.4852% | 3,911 |
| Net interest margin | 3.3534% | 4,451 |
| Noninterest income to average assets | 0.9772% | 1,514 |
| Noninterest expense to average assets | 3.3472% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6077% | 4,312 |
| Return on assets (ROA) | 0.6353% | 4,314 |
| Pretax return on assets | 0.7061% | 4,670 |
| Return on Equity (ROE) | 5.7909% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.7909% | 2,547 |
| Net charge-offs to loans | 0.4061% | 1,578 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.6432% | 3,648 |
| Efficiency ratio | 83.2098% | 1,683 |
| Assets per employee ($millions) | 3.6714% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9198% | 1,943 |
| Loan loss allowance to noncurrent loans | 195.1542% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 4,971 |
| Noncurrent loans to loans | 0.9837% | 3,842 |
| Net loans and leases to total assets | 46.2337% | 5,529 |
| Net loans and leases to deposits | 54.6064% | 5,486 |
| Net loans and leases to core deposits | 55.3945% | 5,676 |
| Total domestic deposits to total assets | 84.6673% | 3,897 |
| Equity capital to assets | 10.3884% | 3,406 |
| Core capital (leverage) ratio | 9.7800% | 3,994 |
| Tier 1 risk-based capital ratio | 16.4347% | 2,975 |
| Total risk-based capital ratio | 17.6881% | 2,936 |
| Memoranda: | ||
| Average total assets | $143,119,750 | 3,864 |
| Average earning assets | $129,973,000 | 3,884 |
| Average equity | $15,702,500 | 3,793 |
| Average total loans | $65,331,250 | 4,473 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 4,883 |
| Cost of funding earning assets | 0.5002% | 3,895 |
| Net interest margin | 3.2823% | 4,642 |
| Noninterest income to average assets | 1.1419% | 1,170 |
| Noninterest expense to average assets | 3.4326% | 1,753 |
| Loan and lease loss provision to assets | 0.0141% | 4,605 |
| Net operating income to assets | 0.6052% | 4,252 |
| Return on assets (ROA) | 0.6471% | 4,231 |
| Pretax return on assets | 0.7204% | 4,616 |
| Return on Equity (ROE) | 5.7913% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.7913% | 2,561 |
| Net charge-offs to loans | 0.7215% | 900 |
| Credit loss provision to net charge-offs | 4.3290% | 3,964 |
| Earnings coverage of net charge-offs (x) | 2.1126% | 3,816 |
| Efficiency ratio | 83.3048% | 1,715 |
| Assets per employee ($millions) | 3.1934% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 2,028 |
| Loan loss allowance to noncurrent loans | 183.0532% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.5553% | 4,867 |
| Noncurrent loans to loans | 1.0531% | 3,829 |
| Net loans and leases to total assets | 46.2732% | 5,500 |
| Net loans and leases to deposits | 54.6277% | 5,466 |
| Net loans and leases to core deposits | 55.6118% | 5,629 |
| Total domestic deposits to total assets | 84.7064% | 4,034 |
| Equity capital to assets | 10.6882% | 3,073 |
| Core capital (leverage) ratio | 10.0127% | 3,490 |
| Tier 1 risk-based capital ratio | 16.6939% | 2,841 |
| Total risk-based capital ratio | 17.9480% | 2,813 |
| Memoranda: | ||
| Average total assets | $141,874,330 | 3,911 |
| Average earning assets | $128,750,330 | 3,927 |
| Average equity | $15,851,330 | 3,792 |
| Average total loans | $64,033,000 | 4,538 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8277% | 4,727 |
| Cost of funding earning assets | 0.5027% | 4,058 |
| Net interest margin | 3.3250% | 4,422 |
| Noninterest income to average assets | 1.2230% | 1,016 |
| Noninterest expense to average assets | 3.4392% | 1,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6866% | 3,753 |
| Return on assets (ROA) | 0.7662% | 3,495 |
| Pretax return on assets | 0.8995% | 3,765 |
| Return on Equity (ROE) | 6.7091% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.7091% | 2,310 |
| Net charge-offs to loans | 0.2703% | 1,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.7619% | 2,164 |
| Efficiency ratio | 81.0160% | 2,184 |
| Assets per employee ($millions) | 3.3807% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3648% | 1,309 |
| Loan loss allowance to noncurrent loans | 159.6774% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 4,573 |
| Noncurrent loans to loans | 1.4810% | 3,340 |
| Net loans and leases to total assets | 43.1798% | 5,743 |
| Net loans and leases to deposits | 50.9668% | 5,711 |
| Net loans and leases to core deposits | 51.8925% | 5,831 |
| Total domestic deposits to total assets | 84.7215% | 4,170 |
| Equity capital to assets | 11.3959% | 2,523 |
| Core capital (leverage) ratio | 10.2000% | 3,149 |
| Tier 1 risk-based capital ratio | 17.7286% | 2,474 |
| Total risk-based capital ratio | 18.9873% | 2,433 |
| Memoranda: | ||
| Average total assets | $140,961,000 | 3,963 |
| Average earning assets | $128,119,500 | 3,980 |
| Average equity | $16,097,500 | 3,804 |
| Average total loans | $62,148,500 | 4,626 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 3,983 |
| Cost of funding earning assets | 0.6460% | 3,946 |
| Net interest margin | 3.7146% | 3,586 |
| Noninterest income to average assets | 1.4952% | 707 |
| Noninterest expense to average assets | 3.4900% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0779% | 2,016 |
| Return on assets (ROA) | 1.1486% | 1,944 |
| Pretax return on assets | 1.4560% | 1,833 |
| Return on Equity (ROE) | 9.9506% | 2,193 |
| Retained earnings to average equity (ytd only) | 7.4853% | 1,346 |
| Net charge-offs to loans | 0.8753% | 1,306 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 3.3741% | 3,756 |
| Efficiency ratio | 71.8612% | 3,439 |
| Assets per employee ($millions) | 3.4983% | 5,008 |
| Cash dividends to net income (ytd only)* | 24.7748% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4829% | 1,145 |
| Loan loss allowance to noncurrent loans | 146.1244% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 4,431 |
| Noncurrent loans to loans | 1.6992% | 3,072 |
| Net loans and leases to total assets | 42.8594% | 5,910 |
| Net loans and leases to deposits | 50.1942% | 5,940 |
| Net loans and leases to core deposits | 50.7957% | 6,098 |
| Total domestic deposits to total assets | 85.3872% | 3,666 |
| Equity capital to assets | 11.4441% | 2,498 |
| Core capital (leverage) ratio | 10.0103% | 3,383 |
| Tier 1 risk-based capital ratio | 17.7029% | 2,381 |
| Total risk-based capital ratio | 18.9627% | 2,341 |
| Memoranda: | ||
| Average total assets | $135,299,200 | 4,040 |
| Average earning assets | $122,437,000 | 4,059 |
| Average equity | $15,617,200 | 3,839 |
| Average total loans | $62,605,800 | 4,606 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4527% | 3,819 |
| Cost of funding earning assets | 0.6667% | 4,050 |
| Net interest margin | 3.7860% | 3,395 |
| Noninterest income to average assets | 1.4214% | 744 |
| Noninterest expense to average assets | 3.3844% | 2,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1482% | 1,915 |
| Return on assets (ROA) | 1.2086% | 1,882 |
| Pretax return on assets | 1.5396% | 1,758 |
| Return on Equity (ROE) | 10.4478% | 2,153 |
| Retained earnings to average equity (ytd only) | 10.4478% | 798 |
| Net charge-offs to loans | 1.1704% | 854 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,969 |
| Efficiency ratio | 69.8175% | 3,725 |
| Assets per employee ($millions) | 3.5358% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5667% | 1,120 |
| Loan loss allowance to noncurrent loans | 115.6297% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 4,211 |
| Noncurrent loans to loans | 2.2198% | 2,592 |
| Net loans and leases to total assets | 41.9531% | 6,134 |
| Net loans and leases to deposits | 49.3534% | 6,160 |
| Net loans and leases to core deposits | 49.9534% | 6,285 |
| Total domestic deposits to total assets | 85.0055% | 3,739 |
| Equity capital to assets | 11.8806% | 2,367 |
| Core capital (leverage) ratio | 10.1646% | 3,332 |
| Tier 1 risk-based capital ratio | 18.2353% | 2,256 |
| Total risk-based capital ratio | 19.4954% | 2,231 |
| Memoranda: | ||
| Average total assets | $134,141,000 | 4,094 |
| Average earning assets | $121,390,750 | 4,119 |
| Average equity | $15,518,000 | 3,895 |
| Average total loans | $62,882,000 | 4,646 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 3,554 |
| Cost of funding earning assets | 0.6824% | 4,163 |
| Net interest margin | 3.8694% | 3,046 |
| Noninterest income to average assets | 1.3109% | 825 |
| Noninterest expense to average assets | 3.3456% | 2,167 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1519% | 1,874 |
| Return on assets (ROA) | 1.1995% | 1,919 |
| Pretax return on assets | 1.5156% | 1,808 |
| Return on Equity (ROE) | 10.4664% | 2,187 |
| Retained earnings to average equity (ytd only) | 10.4664% | 858 |
| Net charge-offs to loans | 1.7143% | 527 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.7614% | 4,098 |
| Efficiency ratio | 69.6865% | 3,816 |
| Assets per employee ($millions) | 3.5292% | 4,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4077% | 1,401 |
| Loan loss allowance to noncurrent loans | 117.9012% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1259% | 4,136 |
| Noncurrent loans to loans | 2.0421% | 2,899 |
| Net loans and leases to total assets | 46.1826% | 5,804 |
| Net loans and leases to deposits | 54.4373% | 5,824 |
| Net loans and leases to core deposits | 55.1164% | 6,016 |
| Total domestic deposits to total assets | 84.8364% | 3,937 |
| Equity capital to assets | 11.8059% | 2,306 |
| Core capital (leverage) ratio | 9.9813% | 3,442 |
| Tier 1 risk-based capital ratio | 16.9639% | 2,683 |
| Total risk-based capital ratio | 18.2231% | 2,640 |
| Memoranda: | ||
| Average total assets | $132,889,000 | 4,144 |
| Average earning assets | $119,862,330 | 4,176 |
| Average equity | $15,229,670 | 3,936 |
| Average total loans | $64,050,670 | 4,636 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 3,371 |
| Cost of funding earning assets | 0.6951% | 4,323 |
| Net interest margin | 3.9320% | 2,796 |
| Noninterest income to average assets | 1.0795% | 1,235 |
| Noninterest expense to average assets | 3.2447% | 2,457 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1079% | 2,054 |
| Return on assets (ROA) | 1.1128% | 2,204 |
| Pretax return on assets | 1.3819% | 2,242 |
| Return on Equity (ROE) | 9.8607% | 2,448 |
| Retained earnings to average equity (ytd only) | 9.8607% | 1,301 |
| Net charge-offs to loans | 0.9138% | 1,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.0952% | 2,966 |
| Efficiency ratio | 70.2225% | 3,768 |
| Assets per employee ($millions) | 3.5162% | 5,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9155% | 900 |
| Loan loss allowance to noncurrent loans | 104.2139% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.4774% | 3,649 |
| Noncurrent loans to loans | 2.7976% | 2,315 |
| Net loans and leases to total assets | 48.0743% | 5,545 |
| Net loans and leases to deposits | 56.5509% | 5,543 |
| Net loans and leases to core deposits | 57.4594% | 5,760 |
| Total domestic deposits to total assets | 85.0108% | 4,032 |
| Equity capital to assets | 11.3340% | 2,595 |
| Core capital (leverage) ratio | 9.9013% | 3,494 |
| Tier 1 risk-based capital ratio | 16.4111% | 2,956 |
| Total risk-based capital ratio | 17.6772% | 2,906 |
| Memoranda: | ||
| Average total assets | $132,278,000 | 4,180 |
| Average earning assets | $119,126,500 | 4,224 |
| Average equity | $14,928,000 | 4,006 |
| Average total loans | $64,344,000 | 4,651 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1025% | 2,448 |
| Cost of funding earning assets | 0.9330% | 3,848 |
| Net interest margin | 4.1695% | 2,158 |
| Noninterest income to average assets | 0.8251% | 1,947 |
| Noninterest expense to average assets | 3.1696% | 2,968 |
| Loan and lease loss provision to assets | 0.1431% | 4,828 |
| Net operating income to assets | 1.0150% | 2,150 |
| Return on assets (ROA) | 1.1684% | 1,717 |
| Pretax return on assets | 1.4638% | 1,578 |
| Return on Equity (ROE) | 11.0933% | 1,670 |
| Retained earnings to average equity (ytd only) | 6.9012% | 1,549 |
| Net charge-offs to loans | 0.3104% | 3,846 |
| Credit loss provision to net charge-offs | 89.3720% | 4,036 |
| Earnings coverage of net charge-offs (x) | 8.8406% | 2,081 |
| Efficiency ratio | 69.1348% | 4,123 |
| Assets per employee ($millions) | 3.4458% | 5,144 |
| Cash dividends to net income (ytd only)* | 37.7895% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3203% | 612 |
| Loan loss allowance to noncurrent loans | 126.0474% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 3,769 |
| Noncurrent loans to loans | 2.6342% | 2,469 |
| Net loans and leases to total assets | 46.1647% | 5,999 |
| Net loans and leases to deposits | 54.3319% | 6,037 |
| Net loans and leases to core deposits | 55.2203% | 6,211 |
| Total domestic deposits to total assets | 84.9679% | 3,871 |
| Equity capital to assets | 11.2357% | 2,754 |
| Core capital (leverage) ratio | 9.4936% | 4,031 |
| Tier 1 risk-based capital ratio | 16.3613% | 2,884 |
| Total risk-based capital ratio | 17.6300% | 2,846 |
| Memoranda: | ||
| Average total assets | $129,323,400 | 4,186 |
| Average earning assets | $116,609,000 | 4,220 |
| Average equity | $13,620,800 | 4,208 |
| Average total loans | $66,692,800 | 4,604 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 2,366 |
| Cost of funding earning assets | 0.9901% | 3,748 |
| Net interest margin | 4.1651% | 2,224 |
| Noninterest income to average assets | 0.6433% | 2,925 |
| Noninterest expense to average assets | 3.0137% | 3,506 |
| Loan and lease loss provision to assets | 0.1396% | 4,694 |
| Net operating income to assets | 1.0311% | 2,211 |
| Return on assets (ROA) | 1.0311% | 2,371 |
| Pretax return on assets | 1.2535% | 2,451 |
| Return on Equity (ROE) | 9.9588% | 2,218 |
| Retained earnings to average equity (ytd only) | 7.6314% | 1,651 |
| Net charge-offs to loans | 0.0138% | 5,959 |
| Credit loss provision to net charge-offs | 1,928.5714% | 139 |
| Earnings coverage of net charge-offs (x) | 192.4930% | 199 |
| Efficiency ratio | 68.3877% | 4,241 |
| Assets per employee ($millions) | 3.5446% | 4,887 |
| Cash dividends to net income (ytd only)* | 23.3702% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3147% | 653 |
| Loan loss allowance to noncurrent loans | 145.7760% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 4,042 |
| Noncurrent loans to loans | 2.2738% | 3,029 |
| Net loans and leases to total assets | 49.5074% | 5,770 |
| Net loans and leases to deposits | 58.7423% | 5,775 |
| Net loans and leases to core deposits | 60.2746% | 5,970 |
| Total domestic deposits to total assets | 84.2791% | 4,109 |
| Equity capital to assets | 11.1224% | 3,033 |
| Core capital (leverage) ratio | 9.4890% | 4,166 |
| Tier 1 risk-based capital ratio | 12.4895% | 5,493 |
| Total risk-based capital ratio | 13.7520% | 5,482 |
| Memoranda: | ||
| Average total assets | $128,919,250 | 4,219 |
| Average earning assets | $116,489,000 | 4,237 |
| Average equity | $13,348,000 | 4,281 |
| Average total loans | $67,735,000 | 4,606 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 2,069 |
| Cost of funding earning assets | 1.0566% | 3,557 |
| Net interest margin | 4.1920% | 2,070 |
| Noninterest income to average assets | 0.6803% | 2,649 |
| Noninterest expense to average assets | 3.2050% | 2,880 |
| Loan and lease loss provision to assets | 0.2106% | 3,805 |
| Net operating income to assets | 0.9191% | 2,558 |
| Return on assets (ROA) | 0.9191% | 2,657 |
| Pretax return on assets | 1.0470% | 3,052 |
| Return on Equity (ROE) | 9.1071% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.1071% | 1,067 |
| Net charge-offs to loans | 0.0236% | 5,504 |
| Credit loss provision to net charge-offs | 1,687.5000% | 203 |
| Earnings coverage of net charge-offs (x) | 100.7500% | 366 |
| Efficiency ratio | 71.8182% | 3,778 |
| Assets per employee ($millions) | 3.3565% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3399% | 677 |
| Loan loss allowance to noncurrent loans | 146.3816% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4826% | 3,981 |
| Noncurrent loans to loans | 2.2817% | 3,125 |
| Net loans and leases to total assets | 50.4853% | 5,756 |
| Net loans and leases to deposits | 59.0583% | 5,814 |
| Net loans and leases to core deposits | 60.3852% | 6,056 |
| Total domestic deposits to total assets | 85.4839% | 3,633 |
| Equity capital to assets | 10.9386% | 3,023 |
| Core capital (leverage) ratio | 9.4130% | 4,085 |
| Tier 1 risk-based capital ratio | 15.5641% | 3,209 |
| Total risk-based capital ratio | 16.8347% | 3,153 |
| Memoranda: | ||
| Average total assets | $128,175,670 | 4,269 |
| Average earning assets | $115,649,670 | 4,286 |
| Average equity | $12,935,000 | 4,355 |
| Average total loans | $67,928,330 | 4,645 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3351% | 1,766 |
| Cost of funding earning assets | 1.0857% | 3,614 |
| Net interest margin | 4.2494% | 1,746 |
| Noninterest income to average assets | 0.9495% | 1,476 |
| Noninterest expense to average assets | 3.2158% | 2,842 |
| Loan and lease loss provision to assets | 0.3424% | 2,512 |
| Net operating income to assets | 1.0055% | 2,170 |
| Return on assets (ROA) | 1.0055% | 2,218 |
| Pretax return on assets | 1.2172% | 2,315 |
| Return on Equity (ROE) | 10.3971% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.3971% | 1,022 |
| Net charge-offs to loans | 0.0292% | 4,690 |
| Credit loss provision to net charge-offs | 2,200.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 100.2000% | 316 |
| Efficiency ratio | 67.3403% | 4,782 |
| Assets per employee ($millions) | 3.3951% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3165% | 701 |
| Loan loss allowance to noncurrent loans | 234.8614% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1937% | 4,567 |
| Noncurrent loans to loans | 1.4121% | 4,357 |
| Net loans and leases to total assets | 49.7803% | 5,879 |
| Net loans and leases to deposits | 57.8153% | 5,942 |
| Net loans and leases to core deposits | 59.2698% | 6,165 |
| Total domestic deposits to total assets | 86.1022% | 3,461 |
| Equity capital to assets | 10.0695% | 3,689 |
| Core capital (leverage) ratio | 9.3174% | 4,102 |
| Tier 1 risk-based capital ratio | 14.8919% | 3,480 |
| Total risk-based capital ratio | 16.1617% | 3,435 |
| Memoranda: | ||
| Average total assets | $128,489,500 | 4,295 |
| Average earning assets | $115,686,500 | 4,305 |
| Average equity | $12,426,500 | 4,462 |
| Average total loans | $68,583,500 | 4,663 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3728% | 2,798 |
| Cost of funding earning assets | 1.4291% | 3,076 |
| Net interest margin | 3.9438% | 3,287 |
| Noninterest income to average assets | 0.8564% | 2,027 |
| Noninterest expense to average assets | 3.1467% | 3,286 |
| Loan and lease loss provision to assets | 1.4843% | 1,003 |
| Net operating income to assets | 0.0998% | 5,591 |
| Return on assets (ROA) | 0.1003% | 5,728 |
| Pretax return on assets | -0.2137% | 6,099 |
| Return on Equity (ROE) | 1.0176% | 5,686 |
| Retained earnings to average equity (ytd only) | 0.1814% | 5,484 |
| Net charge-offs to loans | 1.3741% | 1,628 |
| Credit loss provision to net charge-offs | 181.0427% | 1,826 |
| Earnings coverage of net charge-offs (x) | 1.5488% | 4,580 |
| Efficiency ratio | 71.2476% | 3,943 |
| Assets per employee ($millions) | 3.3675% | 5,250 |
| Cash dividends to net income (ytd only)* | 82.1705% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9657% | 897 |
| Loan loss allowance to noncurrent loans | 172.5329% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 1.5535% | 3,979 |
| Noncurrent loans to loans | 1.7189% | 3,923 |
| Net loans and leases to total assets | 53.6416% | 5,682 |
| Net loans and leases to deposits | 62.3200% | 5,819 |
| Net loans and leases to core deposits | 63.8944% | 6,060 |
| Total domestic deposits to total assets | 86.0744% | 3,320 |
| Equity capital to assets | 9.2696% | 4,723 |
| Core capital (leverage) ratio | 8.6296% | 5,140 |
| Tier 1 risk-based capital ratio | 12.7354% | 4,834 |
| Total risk-based capital ratio | 13.9987% | 4,791 |
| Memoranda: | ||
| Average total assets | $128,676,000 | 4,303 |
| Average earning assets | $116,158,400 | 4,316 |
| Average equity | $12,677,000 | 4,437 |
| Average total loans | $76,775,200 | 4,429 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 3,224 |
| Cost of funding earning assets | 1.4721% | 3,132 |
| Net interest margin | 3.8548% | 3,735 |
| Noninterest income to average assets | 0.6850% | 2,909 |
| Noninterest expense to average assets | 3.0670% | 3,500 |
| Loan and lease loss provision to assets | 1.5625% | 844 |
| Net operating income to assets | -0.0704% | 6,148 |
| Return on assets (ROA) | -0.0704% | 6,242 |
| Pretax return on assets | -0.4573% | 6,517 |
| Return on Equity (ROE) | -0.7038% | 6,250 |
| Retained earnings to average equity (ytd only) | -0.7038% | 5,966 |
| Net charge-offs to loans | 1.7287% | 1,126 |
| Credit loss provision to net charge-offs | 148.7685% | 2,621 |
| Earnings coverage of net charge-offs (x) | 1.0522% | 5,005 |
| Efficiency ratio | 73.5119% | 3,412 |
| Assets per employee ($millions) | 3.3756% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2556% | 1,694 |
| Loan loss allowance to noncurrent loans | 114.7098% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.6797% | 3,930 |
| Noncurrent loans to loans | 1.9664% | 3,725 |
| Net loans and leases to total assets | 55.8108% | 5,570 |
| Net loans and leases to deposits | 65.1773% | 5,761 |
| Net loans and leases to core deposits | 66.7718% | 6,056 |
| Total domestic deposits to total assets | 85.6292% | 3,278 |
| Equity capital to assets | 9.8286% | 4,372 |
| Core capital (leverage) ratio | 8.6851% | 5,212 |
| Tier 1 risk-based capital ratio | 13.4207% | 4,251 |
| Total risk-based capital ratio | 14.6806% | 4,203 |
| Memoranda: | ||
| Average total assets | $128,853,500 | 4,356 |
| Average earning assets | $116,561,750 | 4,368 |
| Average equity | $12,880,750 | 4,461 |
| Average total loans | $78,283,750 | 4,455 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3824% | 3,053 |
| Cost of funding earning assets | 1.5286% | 3,083 |
| Net interest margin | 3.8538% | 3,661 |
| Noninterest income to average assets | 0.6893% | 2,765 |
| Noninterest expense to average assets | 3.1200% | 3,217 |
| Loan and lease loss provision to assets | 1.7114% | 731 |
| Net operating income to assets | -0.2950% | 6,469 |
| Return on assets (ROA) | -0.2950% | 6,516 |
| Pretax return on assets | -0.6546% | 6,697 |
| Return on Equity (ROE) | -2.9332% | 6,511 |
| Retained earnings to average equity (ytd only) | -2.9332% | 6,286 |
| Net charge-offs to loans | 1.4260% | 1,340 |
| Credit loss provision to net charge-offs | 193.4046% | 2,040 |
| Earnings coverage of net charge-offs (x) | 1.1943% | 4,605 |
| Efficiency ratio | 74.6979% | 3,332 |
| Assets per employee ($millions) | 3.2165% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2492% | 1,672 |
| Loan loss allowance to noncurrent loans | 72.3700% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.8988% | 3,623 |
| Noncurrent loans to loans | 3.1079% | 2,584 |
| Net loans and leases to total assets | 59.7230% | 5,117 |
| Net loans and leases to deposits | 71.2046% | 5,117 |
| Net loans and leases to core deposits | 73.2393% | 5,530 |
| Total domestic deposits to total assets | 83.8752% | 4,159 |
| Equity capital to assets | 9.7824% | 4,292 |
| Core capital (leverage) ratio | 8.7542% | 5,001 |
| Tier 1 risk-based capital ratio | 13.0047% | 4,439 |
| Total risk-based capital ratio | 14.2652% | 4,381 |
| Memoranda: | ||
| Average total assets | $126,796,670 | 4,430 |
| Average earning assets | $114,745,000 | 4,439 |
| Average equity | $12,750,670 | 4,494 |
| Average total loans | $78,679,330 | 4,488 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 3,191 |
| Cost of funding earning assets | 1.5579% | 3,216 |
| Net interest margin | 3.8122% | 3,745 |
| Noninterest income to average assets | 0.6070% | 3,236 |
| Noninterest expense to average assets | 3.1017% | 3,261 |
| Loan and lease loss provision to assets | 0.9852% | 1,262 |
| Net operating income to assets | 0.2320% | 5,571 |
| Return on assets (ROA) | 0.2320% | 5,688 |
| Pretax return on assets | -0.0350% | 6,400 |
| Return on Equity (ROE) | 2.2754% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.2754% | 4,773 |
| Net charge-offs to loans | -0.0102% | 6,894 |
| Credit loss provision to net charge-offs | -15,500.0000% | 6,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5490% | 3,125 |
| Assets per employee ($millions) | 3.2026% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 2,279 |
| Loan loss allowance to noncurrent loans | 43.8152% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 2.7704% | 2,623 |
| Noncurrent loans to loans | 4.4777% | 1,672 |
| Net loans and leases to total assets | 60.6565% | 5,005 |
| Net loans and leases to deposits | 72.4081% | 4,996 |
| Net loans and leases to core deposits | 74.2833% | 5,475 |
| Total domestic deposits to total assets | 83.7703% | 4,253 |
| Equity capital to assets | 10.0987% | 3,747 |
| Core capital (leverage) ratio | 9.2183% | 4,191 |
| Tier 1 risk-based capital ratio | 13.2181% | 4,196 |
| Total risk-based capital ratio | 14.4749% | 4,142 |
| Memoranda: | ||
| Average total assets | $125,865,500 | 4,502 |
| Average earning assets | $113,741,000 | 4,526 |
| Average equity | $12,833,000 | 4,517 |
| Average total loans | $78,715,500 | 4,552 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6777% | 3,221 |
| Cost of funding earning assets | 1.8457% | 3,762 |
| Net interest margin | 3.8320% | 3,568 |
| Noninterest income to average assets | 1.0219% | 1,498 |
| Noninterest expense to average assets | 3.1851% | 3,427 |
| Loan and lease loss provision to assets | 0.5230% | 3,756 |
| Net operating income to assets | 0.7549% | 2,697 |
| Return on assets (ROA) | 0.7973% | 2,634 |
| Pretax return on assets | 0.8611% | 3,048 |
| Return on Equity (ROE) | 7.6938% | 2,494 |
| Retained earnings to average equity (ytd only) | 4.9906% | 1,820 |
| Net charge-offs to loans | 0.5715% | 3,507 |
| Credit loss provision to net charge-offs | 140.5345% | 3,457 |
| Earnings coverage of net charge-offs (x) | 3.5969% | 3,280 |
| Efficiency ratio | 70.4104% | 4,537 |
| Assets per employee ($millions) | 3.0907% | 6,008 |
| Cash dividends to net income (ytd only)* | 35.1351% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 3,323 |
| Loan loss allowance to noncurrent loans | 112.1731% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.9383% | 5,229 |
| Noncurrent loans to loans | 1.4187% | 4,554 |
| Net loans and leases to total assets | 62.2264% | 4,944 |
| Net loans and leases to deposits | 74.7309% | 4,918 |
| Net loans and leases to core deposits | 85.1086% | 5,606 |
| Total domestic deposits to total assets | 83.2673% | 4,396 |
| Equity capital to assets | 10.2964% | 3,410 |
| Core capital (leverage) ratio | 9.2399% | 4,069 |
| Tier 1 risk-based capital ratio | 13.6287% | 3,737 |
| Total risk-based capital ratio | 14.8816% | 3,674 |
| Memoranda: | ||
| Average total assets | $120,656,800 | 4,543 |
| Average earning assets | $110,255,400 | 4,558 |
| Average equity | $12,503,600 | 4,633 |
| Average total loans | $78,568,200 | 4,567 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6429% | 3,617 |
| Cost of funding earning assets | 1.8911% | 3,926 |
| Net interest margin | 3.7518% | 3,857 |
| Noninterest income to average assets | 1.1452% | 1,197 |
| Noninterest expense to average assets | 3.2400% | 3,155 |
| Loan and lease loss provision to assets | 0.2613% | 4,866 |
| Net operating income to assets | 0.9184% | 2,347 |
| Return on assets (ROA) | 0.9684% | 2,223 |
| Pretax return on assets | 1.1441% | 2,432 |
| Return on Equity (ROE) | 9.3298% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.3298% | 760 |
| Net charge-offs to loans | 0.7322% | 2,530 |
| Credit loss provision to net charge-offs | 54.3981% | 6,252 |
| Earnings coverage of net charge-offs (x) | 2.8032% | 3,816 |
| Efficiency ratio | 70.6424% | 4,474 |
| Assets per employee ($millions) | 3.0729% | 5,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1141% | 5,637 |
| Loan loss allowance to noncurrent loans | 102.9797% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6826% | 5,778 |
| Noncurrent loans to loans | 1.0819% | 5,143 |
| Net loans and leases to total assets | 62.3893% | 5,179 |
| Net loans and leases to deposits | 74.9629% | 5,212 |
| Net loans and leases to core deposits | 85.7806% | 5,886 |
| Total domestic deposits to total assets | 83.2269% | 4,101 |
| Equity capital to assets | 10.7601% | 3,238 |
| Core capital (leverage) ratio | 9.5746% | 3,816 |
| Tier 1 risk-based capital ratio | 14.1778% | 3,452 |
| Total risk-based capital ratio | 15.2389% | 3,507 |
| Memoranda: | ||
| Average total assets | $119,914,500 | 4,595 |
| Average earning assets | $109,988,750 | 4,593 |
| Average equity | $12,447,250 | 4,670 |
| Average total loans | $78,667,250 | 4,602 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7607% | 3,245 |
| Cost of funding earning assets | 1.9423% | 4,049 |
| Net interest margin | 3.8185% | 3,465 |
| Noninterest income to average assets | 1.4061% | 761 |
| Noninterest expense to average assets | 3.3217% | 2,877 |
| Loan and lease loss provision to assets | 0.2102% | 4,942 |
| Net operating income to assets | 1.0867% | 1,818 |
| Return on assets (ROA) | 1.1571% | 1,671 |
| Pretax return on assets | 1.4616% | 1,557 |
| Return on Equity (ROE) | 11.2901% | 1,615 |
| Retained earnings to average equity (ytd only) | 11.2901% | 522 |
| Net charge-offs to loans | 0.1088% | 5,067 |
| Credit loss provision to net charge-offs | 290.6977% | 1,606 |
| Earnings coverage of net charge-offs (x) | 21.8837% | 1,244 |
| Efficiency ratio | 67.7298% | 5,205 |
| Assets per employee ($millions) | 3.0298% | 6,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 3,493 |
| Loan loss allowance to noncurrent loans | 55.8105% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.6899% | 3,648 |
| Noncurrent loans to loans | 2.5903% | 2,799 |
| Net loans and leases to total assets | 64.2960% | 4,923 |
| Net loans and leases to deposits | 77.1014% | 5,018 |
| Net loans and leases to core deposits | 88.5476% | 5,676 |
| Total domestic deposits to total assets | 83.3915% | 4,073 |
| Equity capital to assets | 10.2508% | 3,667 |
| Core capital (leverage) ratio | 9.4528% | 3,959 |
| Tier 1 risk-based capital ratio | 14.0177% | 3,511 |
| Total risk-based capital ratio | 15.2697% | 3,450 |
| Memoranda: | ||
| Average total assets | $118,913,670 | 4,662 |
| Average earning assets | $108,944,330 | 4,659 |
| Average equity | $12,187,670 | 4,764 |
| Average total loans | $79,039,330 | 4,618 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7415% | 3,577 |
| Cost of funding earning assets | 1.9658% | 4,305 |
| Net interest margin | 3.7758% | 3,556 |
| Noninterest income to average assets | 1.4366% | 680 |
| Noninterest expense to average assets | 3.2910% | 2,683 |
| Loan and lease loss provision to assets | 0.2887% | 3,646 |
| Net operating income to assets | 1.0246% | 2,211 |
| Return on assets (ROA) | 1.1412% | 1,954 |
| Pretax return on assets | 1.4638% | 1,769 |
| Return on Equity (ROE) | 11.1350% | 1,928 |
| Retained earnings to average equity (ytd only) | 11.1350% | 942 |
| Net charge-offs to loans | 0.2379% | 3,214 |
| Credit loss provision to net charge-offs | 180.8511% | 2,405 |
| Earnings coverage of net charge-offs (x) | 10.0426% | 1,986 |
| Efficiency ratio | 67.2450% | 5,093 |
| Assets per employee ($millions) | 2.9200% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 3,617 |
| Loan loss allowance to noncurrent loans | 118.9394% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.7718% | 5,238 |
| Noncurrent loans to loans | 1.1599% | 4,665 |
| Net loans and leases to total assets | 65.6242% | 4,662 |
| Net loans and leases to deposits | 79.8119% | 4,644 |
| Net loans and leases to core deposits | 91.2147% | 5,442 |
| Total domestic deposits to total assets | 82.2237% | 4,462 |
| Equity capital to assets | 10.2037% | 3,764 |
| Core capital (leverage) ratio | 9.4610% | 4,034 |
| Tier 1 risk-based capital ratio | 13.8017% | 3,696 |
| Total risk-based capital ratio | 15.0534% | 3,617 |
| Memoranda: | ||
| Average total assets | $117,775,000 | 4,709 |
| Average earning assets | $107,846,000 | 4,691 |
| Average equity | $12,070,000 | 4,815 |
| Average total loans | $79,027,000 | 4,642 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2111% | 4,458 |
| Cost of funding earning assets | 2.5437% | 3,984 |
| Net interest margin | 3.6674% | 4,610 |
| Noninterest income to average assets | 0.6162% | 3,736 |
| Noninterest expense to average assets | 2.9405% | 4,300 |
| Loan and lease loss provision to assets | 0.2198% | 4,686 |
| Net operating income to assets | 0.6937% | 3,922 |
| Return on assets (ROA) | 0.7059% | 3,701 |
| Pretax return on assets | 0.8123% | 4,025 |
| Return on Equity (ROE) | 6.8939% | 3,587 |
| Retained earnings to average equity (ytd only) | 3.9921% | 2,649 |
| Net charge-offs to loans | 0.1879% | 4,317 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 7.7200% | 3,037 |
| Efficiency ratio | 74.2838% | 3,525 |
| Assets per employee ($millions) | 2.8251% | 6,503 |
| Cash dividends to net income (ytd only)* | 42.0922% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 3,461 |
| Loan loss allowance to noncurrent loans | 82.3119% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.1128% | 4,050 |
| Noncurrent loans to loans | 1.6444% | 3,305 |
| Net loans and leases to total assets | 66.7605% | 4,693 |
| Net loans and leases to deposits | 80.0812% | 5,034 |
| Net loans and leases to core deposits | 90.9987% | 5,718 |
| Total domestic deposits to total assets | 83.3660% | 3,629 |
| Equity capital to assets | 10.2945% | 3,719 |
| Core capital (leverage) ratio | 9.3059% | 4,287 |
| Tier 1 risk-based capital ratio | 13.6221% | 3,746 |
| Total risk-based capital ratio | 14.8730% | 3,653 |
| Memoranda: | ||
| Average total assets | $113,755,800 | 4,673 |
| Average earning assets | $103,669,400 | 4,693 |
| Average equity | $11,648,000 | 4,930 |
| Average total loans | $79,850,000 | 4,515 |