Home > Quaint Oak Bank > Performance and Condition Ratios
Quaint Oak 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 | 5.8584% | 765 |
| Cost of funding earning assets | 3.3155% | 95 |
| Net interest margin | 2.5429% | 4,050 |
| Noninterest income to average assets | 2.0200% | 265 |
| Noninterest expense to average assets | 3.8662% | 407 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3883% | 3,896 |
| Return on assets (ROA) | 0.4332% | 3,800 |
| Pretax return on assets | 0.6368% | 3,572 |
| Return on Equity (ROE) | 5.3400% | 3,663 |
| Retained earnings to average equity (ytd only) | 5.3382% | 2,473 |
| Net charge-offs to loans | 0.1185% | 813 |
| Credit loss provision to net charge-offs | -5.1429% | 4,417 |
| Earnings coverage of net charge-offs (x) | 5.4583% | 2,527 |
| Efficiency ratio | 86.1922% | 547 |
| Assets per employee ($millions) | 6.2182% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,264 |
| Loan loss allowance to noncurrent loans | 1,495.1327% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 3,172 |
| Noncurrent loans to loans | 0.0674% | 3,230 |
| Net loans and leases to total assets | 88.2100% | 79 |
| Net loans and leases to deposits | 104.1557% | 349 |
| Net loans and leases to core deposits | 109.0806% | 990 |
| Total domestic deposits to total assets | 84.6900% | 2,410 |
| Equity capital to assets | 9.0190% | 2,662 |
| Core capital (leverage) ratio | 9.1129% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3040% | 2,491 |
| Memoranda: | ||
| Average total assets | $780,303,800 | 1,205 |
| Average earning assets | $754,613,600 | 1,165 |
| Average equity | $63,317,800 | 1,338 |
| Average total loans | $738,597,200 | 914 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8764% | 624 |
| Cost of funding earning assets | 3.0275% | 111 |
| Net interest margin | 2.8490% | 3,645 |
| Noninterest income to average assets | 1.7100% | 342 |
| Noninterest expense to average assets | 4.1301% | 334 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.1753% | 4,260 |
| Return on assets (ROA) | 0.3138% | 4,105 |
| Pretax return on assets | 0.4273% | 4,022 |
| Return on Equity (ROE) | 3.9700% | 3,985 |
| Retained earnings to average equity (ytd only) | 3.9732% | 3,267 |
| Net charge-offs to loans | 0.1475% | 562 |
| Credit loss provision to net charge-offs | 33.3732% | 1,959 |
| Earnings coverage of net charge-offs (x) | 2.3732% | 2,485 |
| Efficiency ratio | 92.3401% | 309 |
| Assets per employee ($millions) | 6.0916% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 3,473 |
| Loan loss allowance to noncurrent loans | 5,836.8852% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 3,679 |
| Noncurrent loans to loans | 0.0168% | 3,666 |
| Net loans and leases to total assets | 94.6900% | 4 |
| Net loans and leases to deposits | 120.2874% | 75 |
| Net loans and leases to core deposits | 126.3772% | 409 |
| Total domestic deposits to total assets | 78.7200% | 3,739 |
| Equity capital to assets | 8.7107% | 2,594 |
| Core capital (leverage) ratio | 8.7193% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0351% | 2,819 |
| Memoranda: | ||
| Average total assets | $787,279,250 | 1,199 |
| Average earning assets | $761,102,500 | 1,155 |
| Average equity | $62,182,500 | 1,348 |
| Average total loans | $755,625,000 | 906 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9292% | 483 |
| Cost of funding earning assets | 3.0777% | 75 |
| Net interest margin | 2.8515% | 3,728 |
| Noninterest income to average assets | 1.7700% | 275 |
| Noninterest expense to average assets | 4.0197% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3365% | 4,106 |
| Return on assets (ROA) | 0.4418% | 3,932 |
| Pretax return on assets | 0.6071% | 3,786 |
| Return on Equity (ROE) | 5.7800% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.7828% | 2,702 |
| Net charge-offs to loans | 0.0604% | 943 |
| Credit loss provision to net charge-offs | 3.8961% | 1,812 |
| Earnings coverage of net charge-offs (x) | 8.6840% | 2,046 |
| Efficiency ratio | 88.7235% | 397 |
| Assets per employee ($millions) | 6.2163% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,446 |
| Loan loss allowance to noncurrent loans | 10,213.6986% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 3,756 |
| Noncurrent loans to loans | 0.0097% | 3,718 |
| Net loans and leases to total assets | 94.7900% | 5 |
| Net loans and leases to deposits | 128.3294% | 59 |
| Net loans and leases to core deposits | 134.3668% | 273 |
| Total domestic deposits to total assets | 73.8700% | 4,201 |
| Equity capital to assets | 8.4560% | 2,895 |
| Core capital (leverage) ratio | 8.4283% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7266% | 2,882 |
| Memoranda: | ||
| Average total assets | $795,887,000 | 1,184 |
| Average earning assets | $769,275,333 | 1,146 |
| Average equity | $60,800,667 | 1,375 |
| Average total loans | $764,791,000 | 879 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5632% | 563 |
| Cost of funding earning assets | 2.7677% | 59 |
| Net interest margin | 2.7955% | 3,951 |
| Noninterest income to average assets | 1.7400% | 280 |
| Noninterest expense to average assets | 3.8973% | 379 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.3067% | 4,242 |
| Return on assets (ROA) | 0.3635% | 4,101 |
| Pretax return on assets | 0.4941% | 3,998 |
| Return on Equity (ROE) | 5.0200% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.0202% | 3,017 |
| Net charge-offs to loans | 0.1197% | 535 |
| Credit loss provision to net charge-offs | 91.3420% | 1,171 |
| Earnings coverage of net charge-offs (x) | 4.7100% | 1,846 |
| Efficiency ratio | 87.6460% | 433 |
| Assets per employee ($millions) | 6.3887% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,599 |
| Loan loss allowance to noncurrent loans | 485.6056% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,173 |
| Noncurrent loans to loans | 0.2017% | 2,463 |
| Net loans and leases to total assets | 95.4000% | 4 |
| Net loans and leases to deposits | 138.4487% | 26 |
| Net loans and leases to core deposits | 143.8168% | 157 |
| Total domestic deposits to total assets | 68.9100% | 4,445 |
| Equity capital to assets | 8.0364% | 3,215 |
| Core capital (leverage) ratio | 8.4925% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1674% | 3,010 |
| Memoranda: | ||
| Average total assets | $802,203,500 | 1,196 |
| Average earning assets | $775,520,000 | 1,148 |
| Average equity | $58,085,000 | 1,430 |
| Average total loans | $772,226,500 | 884 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 312 |
| Cost of funding earning assets | 1.3022% | 50 |
| Net interest margin | 3.6761% | 1,438 |
| Noninterest income to average assets | 2.9100% | 180 |
| Noninterest expense to average assets | 4.0536% | 324 |
| Loan and lease loss provision to assets | 0.3700% | 191 |
| Net operating income to assets | 1.5794% | 721 |
| Return on assets (ROA) | 1.2166% | 1,658 |
| Pretax return on assets | 1.6828% | 962 |
| Return on Equity (ROE) | 18.1200% | 683 |
| Retained earnings to average equity (ytd only) | 18.1159% | 137 |
| Net charge-offs to loans | 0.0095% | 2,018 |
| Credit loss provision to net charge-offs | 4,194.9153% | 153 |
| Earnings coverage of net charge-offs (x) | 275.8475% | 519 |
| Efficiency ratio | 62.5800% | 2,690 |
| Assets per employee ($millions) | 6.1477% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,334 |
| Loan loss allowance to noncurrent loans | 386.0231% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 1,899 |
| Noncurrent loans to loans | 0.2608% | 2,229 |
| Net loans and leases to total assets | 95.2100% | 4 |
| Net loans and leases to deposits | 135.8638% | 29 |
| Net loans and leases to core deposits | 139.2272% | 149 |
| Total domestic deposits to total assets | 70.0800% | 4,473 |
| Equity capital to assets | 6.4266% | 3,928 |
| Core capital (leverage) ratio | 7.0745% | 4,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.4895% | 3,051 |
| Memoranda: | ||
| Average total assets | $674,609,000 | 1,338 |
| Average earning assets | $652,981,800 | 1,298 |
| Average equity | $45,302,800 | 1,747 |
| Average total loans | $620,159,400 | 1,014 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 232 |
| Cost of funding earning assets | 0.9564% | 75 |
| Net interest margin | 3.9757% | 672 |
| Noninterest income to average assets | 3.2100% | 176 |
| Noninterest expense to average assets | 4.1638% | 295 |
| Loan and lease loss provision to assets | 0.4000% | 141 |
| Net operating income to assets | 1.9576% | 307 |
| Return on assets (ROA) | 1.4303% | 978 |
| Pretax return on assets | 1.9679% | 498 |
| Return on Equity (ROE) | 21.0200% | 356 |
| Retained earnings to average equity (ytd only) | 21.0201% | 84 |
| Net charge-offs to loans | 0.0123% | 1,659 |
| Credit loss provision to net charge-offs | 3,579.6296% | 159 |
| Earnings coverage of net charge-offs (x) | 259.3333% | 525 |
| Efficiency ratio | 58.8837% | 3,266 |
| Assets per employee ($millions) | 5.7931% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,212 |
| Loan loss allowance to noncurrent loans | 416.1422% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 2,011 |
| Noncurrent loans to loans | 0.2543% | 2,363 |
| Net loans and leases to total assets | 94.4500% | 4 |
| Net loans and leases to deposits | 120.9596% | 53 |
| Net loans and leases to core deposits | 122.5522% | 219 |
| Total domestic deposits to total assets | 78.0900% | 4,249 |
| Equity capital to assets | 6.7112% | 3,656 |
| Core capital (leverage) ratio | 6.8159% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.6668% | 3,114 |
| Memoranda: | ||
| Average total assets | $644,999,250 | 1,387 |
| Average earning assets | $624,407,000 | 1,348 |
| Average equity | $43,887,000 | 1,816 |
| Average total loans | $584,508,500 | 1,048 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 286 |
| Cost of funding earning assets | 0.7274% | 137 |
| Net interest margin | 3.8975% | 607 |
| Noninterest income to average assets | 3.1082% | 146 |
| Noninterest expense to average assets | 4.1367% | 259 |
| Loan and lease loss provision to assets | 0.4093% | 143 |
| Net operating income to assets | 1.8337% | 314 |
| Return on assets (ROA) | 1.3401% | 1,026 |
| Pretax return on assets | 1.8408% | 542 |
| Return on Equity (ROE) | 19.5947% | 335 |
| Retained earnings to average equity (ytd only) | 19.5947% | 83 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0112% | 3,294 |
| Assets per employee ($millions) | 6.0139% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,536 |
| Loan loss allowance to noncurrent loans | 377.5982% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 2,169 |
| Noncurrent loans to loans | 0.2688% | 2,402 |
| Net loans and leases to total assets | 84.8369% | 142 |
| Net loans and leases to deposits | 107.0716% | 117 |
| Net loans and leases to core deposits | 108.2916% | 386 |
| Total domestic deposits to total assets | 79.2338% | 4,285 |
| Equity capital to assets | 5.9461% | 4,219 |
| Core capital (leverage) ratio | 6.3750% | 4,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.3484% | 3,087 |
| Memoranda: | ||
| Average total assets | $624,413,667 | 1,448 |
| Average earning assets | $604,334,333 | 1,394 |
| Average equity | $42,705,333 | 1,909 |
| Average total loans | $554,446,667 | 1,084 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 163 |
| Cost of funding earning assets | 0.5768% | 301 |
| Net interest margin | 4.3795% | 207 |
| Noninterest income to average assets | 3.6943% | 134 |
| Noninterest expense to average assets | 4.4319% | 213 |
| Loan and lease loss provision to assets | 0.4844% | 101 |
| Net operating income to assets | 2.3839% | 135 |
| Return on assets (ROA) | 1.6592% | 448 |
| Pretax return on assets | 2.2884% | 232 |
| Return on Equity (ROE) | 22.3072% | 146 |
| Retained earnings to average equity (ytd only) | 22.3072% | 66 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7845% | 3,894 |
| Assets per employee ($millions) | 4.7710% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,922 |
| Loan loss allowance to noncurrent loans | 343.0139% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.3051% | 1,895 |
| Noncurrent loans to loans | 0.3463% | 2,246 |
| Net loans and leases to total assets | 87.0405% | 40 |
| Net loans and leases to deposits | 106.7603% | 90 |
| Net loans and leases to core deposits | 108.3965% | 293 |
| Total domestic deposits to total assets | 81.5289% | 4,144 |
| Equity capital to assets | 7.5492% | 3,901 |
| Core capital (leverage) ratio | 7.7051% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4351% | 2,991 |
| Memoranda: | ||
| Average total assets | $560,750,500 | 1,602 |
| Average earning assets | $542,258,500 | 1,558 |
| Average equity | $41,708,500 | 1,983 |
| Average total loans | $509,523,500 | 1,146 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 281 |
| Cost of funding earning assets | 0.7527% | 259 |
| Net interest margin | 4.1830% | 501 |
| Noninterest income to average assets | 2.1133% | 286 |
| Noninterest expense to average assets | 3.9626% | 298 |
| Loan and lease loss provision to assets | 0.4133% | 158 |
| Net operating income to assets | 1.2974% | 1,608 |
| Return on assets (ROA) | 1.2726% | 1,741 |
| Pretax return on assets | 1.7592% | 1,004 |
| Return on Equity (ROE) | 18.1623% | 449 |
| Retained earnings to average equity (ytd only) | 15.4823% | 197 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3291% | 2,508 |
| Assets per employee ($millions) | 4.8574% | 3,845 |
| Cash dividends to net income (ytd only)* | 14.7558% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 3,684 |
| Loan loss allowance to noncurrent loans | 58,466.6667% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 4,186 |
| Noncurrent loans to loans | 0.0017% | 4,117 |
| Net loans and leases to total assets | 92.7622% | 7 |
| Net loans and leases to deposits | 113.6896% | 60 |
| Net loans and leases to core deposits | 119.4345% | 167 |
| Total domestic deposits to total assets | 81.5926% | 4,026 |
| Equity capital to assets | 7.3239% | 4,649 |
| Core capital (leverage) ratio | 7.4124% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6817% | 3,070 |
| Memoranda: | ||
| Average total assets | $532,525,200 | 1,616 |
| Average earning assets | $513,337,000 | 1,564 |
| Average equity | $37,313,600 | 2,183 |
| Average total loans | $478,706,600 | 1,201 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 759 |
| Cost of funding earning assets | 0.7850% | 261 |
| Net interest margin | 3.6536% | 1,455 |
| Noninterest income to average assets | 2.1200% | 318 |
| Noninterest expense to average assets | 3.7957% | 343 |
| Loan and lease loss provision to assets | 0.3185% | 240 |
| Net operating income to assets | 1.0960% | 2,570 |
| Return on assets (ROA) | 1.1653% | 2,365 |
| Pretax return on assets | 1.6127% | 1,657 |
| Return on Equity (ROE) | 16.8311% | 791 |
| Retained earnings to average equity (ytd only) | 13.1785% | 612 |
| Net charge-offs to loans | 0.0048% | 2,157 |
| Credit loss provision to net charge-offs | 7,405.8824% | 108 |
| Earnings coverage of net charge-offs (x) | 428.5882% | 336 |
| Efficiency ratio | 67.1586% | 1,944 |
| Assets per employee ($millions) | 4.5414% | 4,097 |
| Cash dividends to net income (ytd only)* | 21.7014% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 4,223 |
| Loan loss allowance to noncurrent loans | 248.4411% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 1,806 |
| Noncurrent loans to loans | 0.3514% | 2,521 |
| Net loans and leases to total assets | 91.1610% | 14 |
| Net loans and leases to deposits | 111.0735% | 87 |
| Net loans and leases to core deposits | 116.8508% | 217 |
| Total domestic deposits to total assets | 82.0726% | 3,916 |
| Equity capital to assets | 7.1655% | 4,778 |
| Core capital (leverage) ratio | 7.3174% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7078% | 3,016 |
| Memoranda: | ||
| Average total assets | $527,219,250 | 1,642 |
| Average earning assets | $507,690,250 | 1,593 |
| Average equity | $36,503,000 | 2,259 |
| Average total loans | $468,650,250 | 1,245 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 1,012 |
| Cost of funding earning assets | 0.8338% | 245 |
| Net interest margin | 3.4644% | 1,965 |
| Noninterest income to average assets | 1.8321% | 377 |
| Noninterest expense to average assets | 3.6492% | 387 |
| Loan and lease loss provision to assets | 0.2678% | 352 |
| Net operating income to assets | 0.8872% | 3,258 |
| Return on assets (ROA) | 1.0425% | 2,827 |
| Pretax return on assets | 1.4403% | 2,210 |
| Return on Equity (ROE) | 15.2379% | 1,097 |
| Retained earnings to average equity (ytd only) | 12.4502% | 820 |
| Net charge-offs to loans | 0.0074% | 1,865 |
| Credit loss provision to net charge-offs | 4,129.4118% | 166 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 453 |
| Efficiency ratio | 70.3657% | 1,593 |
| Assets per employee ($millions) | 4.5778% | 4,043 |
| Cash dividends to net income (ytd only)* | 18.2949% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,393 |
| Loan loss allowance to noncurrent loans | 41,622.2222% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,770 |
| Noncurrent loans to loans | 0.0019% | 4,262 |
| Net loans and leases to total assets | 90.3641% | 17 |
| Net loans and leases to deposits | 110.7874% | 106 |
| Net loans and leases to core deposits | 113.5949% | 291 |
| Total domestic deposits to total assets | 81.5654% | 3,997 |
| Equity capital to assets | 7.0254% | 4,841 |
| Core capital (leverage) ratio | 7.2106% | 4,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5754% | 2,839 |
| Memoranda: | ||
| Average total assets | $524,330,667 | 1,644 |
| Average earning assets | $505,660,667 | 1,590 |
| Average equity | $35,871,000 | 2,275 |
| Average total loans | $460,593,333 | 1,264 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 1,699 |
| Cost of funding earning assets | 0.8985% | 224 |
| Net interest margin | 3.0552% | 3,117 |
| Noninterest income to average assets | 1.7964% | 445 |
| Noninterest expense to average assets | 3.6165% | 403 |
| Loan and lease loss provision to assets | 0.1942% | 631 |
| Net operating income to assets | 0.6418% | 3,833 |
| Return on assets (ROA) | 0.8584% | 3,323 |
| Pretax return on assets | 1.2009% | 2,847 |
| Return on Equity (ROE) | 12.7202% | 1,747 |
| Retained earnings to average equity (ytd only) | 12.7202% | 975 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0393% | 1,133 |
| Assets per employee ($millions) | 5.2032% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6808% | 4,597 |
| Loan loss allowance to noncurrent loans | 1,520.6422% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0950% | 3,713 |
| Noncurrent loans to loans | 0.0448% | 4,066 |
| Net loans and leases to total assets | 86.0620% | 90 |
| Net loans and leases to deposits | 108.8922% | 144 |
| Net loans and leases to core deposits | 112.7797% | 346 |
| Total domestic deposits to total assets | 79.0341% | 4,329 |
| Equity capital to assets | 6.3817% | 4,912 |
| Core capital (leverage) ratio | 7.3235% | 4,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9702% | 2,682 |
| Memoranda: | ||
| Average total assets | $523,271,000 | 1,623 |
| Average earning assets | $504,840,000 | 1,578 |
| Average equity | $35,314,000 | 2,290 |
| Average total loans | $451,156,000 | 1,286 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 1,372 |
| Cost of funding earning assets | 1.3453% | 153 |
| Net interest margin | 3.1314% | 3,546 |
| Noninterest income to average assets | 1.6754% | 447 |
| Noninterest expense to average assets | 3.1772% | 1,096 |
| Loan and lease loss provision to assets | 0.2160% | 1,819 |
| Net operating income to assets | 0.9334% | 2,547 |
| Return on assets (ROA) | 0.9334% | 2,694 |
| Pretax return on assets | 1.2933% | 1,999 |
| Return on Equity (ROE) | 10.8537% | 1,685 |
| Retained earnings to average equity (ytd only) | 9.3408% | 707 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5218% | 2,293 |
| Assets per employee ($millions) | 5.0479% | 3,343 |
| Cash dividends to net income (ytd only)* | 13.9392% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 4,529 |
| Loan loss allowance to noncurrent loans | 476.0498% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 3,322 |
| Noncurrent loans to loans | 0.1548% | 3,665 |
| Net loans and leases to total assets | 85.0840% | 132 |
| Net loans and leases to deposits | 114.6250% | 109 |
| Net loans and leases to core deposits | 120.7348% | 301 |
| Total domestic deposits to total assets | 74.2282% | 4,625 |
| Equity capital to assets | 7.1742% | 4,894 |
| Core capital (leverage) ratio | 8.5583% | 4,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5156% | 2,046 |
| Memoranda: | ||
| Average total assets | $384,275,200 | 1,912 |
| Average earning assets | $369,519,000 | 1,873 |
| Average equity | $33,048,600 | 2,335 |
| Average total loans | $334,821,200 | 1,559 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 1,094 |
| Cost of funding earning assets | 1.4589% | 140 |
| Net interest margin | 3.2266% | 3,404 |
| Noninterest income to average assets | 1.6191% | 454 |
| Noninterest expense to average assets | 3.2372% | 1,005 |
| Loan and lease loss provision to assets | 0.2305% | 1,764 |
| Net operating income to assets | 0.9027% | 2,696 |
| Return on assets (ROA) | 0.9027% | 2,822 |
| Pretax return on assets | 1.2498% | 2,223 |
| Return on Equity (ROE) | 9.9407% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.9407% | 773 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3374% | 2,133 |
| Assets per employee ($millions) | 4.6305% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7527% | 4,476 |
| Loan loss allowance to noncurrent loans | 263.5860% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 2,745 |
| Noncurrent loans to loans | 0.2856% | 3,260 |
| Net loans and leases to total assets | 89.2434% | 53 |
| Net loans and leases to deposits | 124.6700% | 79 |
| Net loans and leases to core deposits | 135.0517% | 194 |
| Total domestic deposits to total assets | 71.5837% | 4,698 |
| Equity capital to assets | 8.0836% | 4,684 |
| Core capital (leverage) ratio | 9.2405% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9976% | 1,832 |
| Memoranda: | ||
| Average total assets | $359,195,250 | 1,982 |
| Average earning assets | $344,919,250 | 1,938 |
| Average equity | $32,619,250 | 2,342 |
| Average total loans | $314,683,000 | 1,628 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,174 |
| Cost of funding earning assets | 1.5693% | 132 |
| Net interest margin | 3.2298% | 3,577 |
| Noninterest income to average assets | 1.5322% | 439 |
| Noninterest expense to average assets | 3.2860% | 1,019 |
| Loan and lease loss provision to assets | 0.2482% | 1,694 |
| Net operating income to assets | 0.7894% | 3,071 |
| Return on assets (ROA) | 0.7894% | 3,188 |
| Pretax return on assets | 1.0943% | 2,723 |
| Return on Equity (ROE) | 8.3141% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.3141% | 1,220 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6881% | 1,863 |
| Assets per employee ($millions) | 4.9598% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7413% | 4,486 |
| Loan loss allowance to noncurrent loans | 183.5873% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 2,064 |
| Noncurrent loans to loans | 0.4038% | 2,961 |
| Net loans and leases to total assets | 87.2805% | 88 |
| Net loans and leases to deposits | 121.5414% | 86 |
| Net loans and leases to core deposits | 132.6132% | 235 |
| Total domestic deposits to total assets | 71.8113% | 4,719 |
| Equity capital to assets | 8.0827% | 4,678 |
| Core capital (leverage) ratio | 8.6863% | 4,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5625% | 1,974 |
| Memoranda: | ||
| Average total assets | $338,470,000 | 2,057 |
| Average earning assets | $324,481,333 | 2,001 |
| Average equity | $32,138,333 | 2,353 |
| Average total loans | $293,278,000 | 1,693 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1502% | 721 |
| Cost of funding earning assets | 1.7878% | 91 |
| Net interest margin | 3.3623% | 3,416 |
| Noninterest income to average assets | 1.6257% | 346 |
| Noninterest expense to average assets | 3.7457% | 668 |
| Loan and lease loss provision to assets | 0.1511% | 1,883 |
| Net operating income to assets | 0.6782% | 3,339 |
| Return on assets (ROA) | 0.6782% | 3,408 |
| Pretax return on assets | 0.9397% | 3,031 |
| Return on Equity (ROE) | 6.4965% | 3,133 |
| Retained earnings to average equity (ytd only) | 6.4965% | 1,712 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1196% | 1,447 |
| Assets per employee ($millions) | 3.6686% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 4,161 |
| Loan loss allowance to noncurrent loans | 272.7907% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.9057% | 1,477 |
| Noncurrent loans to loans | 0.3253% | 3,327 |
| Net loans and leases to total assets | 85.0227% | 199 |
| Net loans and leases to deposits | 107.8128% | 239 |
| Net loans and leases to core deposits | 121.4436% | 429 |
| Total domestic deposits to total assets | 78.8614% | 4,078 |
| Equity capital to assets | 10.3937% | 3,424 |
| Core capital (leverage) ratio | 10.3801% | 3,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0947% | 2,240 |
| Memoranda: | ||
| Average total assets | $304,352,000 | 2,182 |
| Average earning assets | $290,632,000 | 2,130 |
| Average equity | $31,771,000 | 2,365 |
| Average total loans | $261,104,000 | 1,802 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 952 |
| Cost of funding earning assets | 1.8051% | 137 |
| Net interest margin | 3.4132% | 3,705 |
| Noninterest income to average assets | 1.7092% | 335 |
| Noninterest expense to average assets | 3.4564% | 1,025 |
| Loan and lease loss provision to assets | 0.1062% | 1,955 |
| Net operating income to assets | 1.0303% | 2,729 |
| Return on assets (ROA) | 1.0292% | 2,830 |
| Pretax return on assets | 1.4050% | 2,140 |
| Return on Equity (ROE) | 9.8115% | 2,385 |
| Retained earnings to average equity (ytd only) | 9.8115% | 530 |
| Net charge-offs to loans | 0.0154% | 3,169 |
| Credit loss provision to net charge-offs | 818.9189% | 403 |
| Earnings coverage of net charge-offs (x) | 116.6216% | 599 |
| Efficiency ratio | 69.2134% | 2,289 |
| Assets per employee ($millions) | 3.7567% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8652% | 4,103 |
| Loan loss allowance to noncurrent loans | 616.2983% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.7274% | 1,782 |
| Noncurrent loans to loans | 0.1404% | 3,967 |
| Net loans and leases to total assets | 85.0541% | 236 |
| Net loans and leases to deposits | 110.8711% | 175 |
| Net loans and leases to core deposits | 125.5230% | 356 |
| Total domestic deposits to total assets | 76.7144% | 4,520 |
| Equity capital to assets | 10.4852% | 3,463 |
| Core capital (leverage) ratio | 10.3493% | 3,139 |
| Tier 1 risk-based capital ratio | 13.4236% | 3,564 |
| Total risk-based capital ratio | 14.4068% | 3,597 |
| Memoranda: | ||
| Average total assets | $285,271,600 | 2,250 |
| Average earning assets | $272,445,800 | 2,194 |
| Average equity | $29,924,000 | 2,400 |
| Average total loans | $240,276,800 | 1,885 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2204% | 998 |
| Cost of funding earning assets | 1.7977% | 140 |
| Net interest margin | 3.4227% | 3,801 |
| Noninterest income to average assets | 1.8177% | 309 |
| Noninterest expense to average assets | 3.4747% | 975 |
| Loan and lease loss provision to assets | 0.1506% | 1,255 |
| Net operating income to assets | 1.0526% | 2,778 |
| Return on assets (ROA) | 1.0526% | 2,865 |
| Pretax return on assets | 1.4609% | 2,076 |
| Return on Equity (ROE) | 10.0335% | 2,412 |
| Retained earnings to average equity (ytd only) | 10.0335% | 740 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9799% | 2,424 |
| Assets per employee ($millions) | 3.8488% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8913% | 4,080 |
| Loan loss allowance to noncurrent loans | 244.9571% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 1,354 |
| Noncurrent loans to loans | 0.3639% | 3,248 |
| Net loans and leases to total assets | 86.7889% | 146 |
| Net loans and leases to deposits | 112.7744% | 162 |
| Net loans and leases to core deposits | 127.3832% | 344 |
| Total domestic deposits to total assets | 76.9580% | 4,517 |
| Equity capital to assets | 10.5232% | 3,520 |
| Core capital (leverage) ratio | 10.7222% | 2,917 |
| Tier 1 risk-based capital ratio | 13.4262% | 3,616 |
| Total risk-based capital ratio | 14.4577% | 3,644 |
| Memoranda: | ||
| Average total assets | $281,455,000 | 2,286 |
| Average earning assets | $268,787,250 | 2,232 |
| Average equity | $29,527,000 | 2,433 |
| Average total loans | $235,883,250 | 1,929 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2657% | 873 |
| Cost of funding earning assets | 1.7979% | 129 |
| Net interest margin | 3.4678% | 3,694 |
| Noninterest income to average assets | 1.5725% | 371 |
| Noninterest expense to average assets | 3.4604% | 1,009 |
| Loan and lease loss provision to assets | 0.1159% | 1,618 |
| Net operating income to assets | 0.9425% | 3,118 |
| Return on assets (ROA) | 0.9425% | 3,186 |
| Pretax return on assets | 1.3111% | 2,522 |
| Return on Equity (ROE) | 8.9938% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.9938% | 1,029 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4478% | 2,158 |
| Assets per employee ($millions) | 3.6719% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 4,115 |
| Loan loss allowance to noncurrent loans | 359.1216% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 1,646 |
| Noncurrent loans to loans | 0.2490% | 3,643 |
| Net loans and leases to total assets | 83.3261% | 427 |
| Net loans and leases to deposits | 103.4919% | 447 |
| Net loans and leases to core deposits | 116.8263% | 651 |
| Total domestic deposits to total assets | 80.5146% | 3,934 |
| Equity capital to assets | 10.5537% | 3,471 |
| Core capital (leverage) ratio | 10.3726% | 3,219 |
| Tier 1 risk-based capital ratio | 14.0908% | 3,269 |
| Total risk-based capital ratio | 15.1318% | 3,284 |
| Memoranda: | ||
| Average total assets | $277,771,670 | 2,309 |
| Average earning assets | $265,529,670 | 2,266 |
| Average equity | $29,109,000 | 2,448 |
| Average total loans | $229,129,330 | 1,984 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 821 |
| Cost of funding earning assets | 1.7266% | 145 |
| Net interest margin | 3.5306% | 3,497 |
| Noninterest income to average assets | 1.1435% | 617 |
| Noninterest expense to average assets | 3.3463% | 1,204 |
| Loan and lease loss provision to assets | 0.1235% | 1,419 |
| Net operating income to assets | 0.7556% | 3,757 |
| Return on assets (ROA) | 0.7556% | 3,804 |
| Pretax return on assets | 1.0491% | 3,286 |
| Return on Equity (ROE) | 7.2363% | 3,579 |
| Retained earnings to average equity (ytd only) | 7.2363% | 1,956 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6656% | 1,791 |
| Assets per employee ($millions) | 3.7840% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,116 |
| Loan loss allowance to noncurrent loans | 232.9545% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.9371% | 1,504 |
| Noncurrent loans to loans | 0.3899% | 3,190 |
| Net loans and leases to total assets | 79.8714% | 853 |
| Net loans and leases to deposits | 99.4477% | 674 |
| Net loans and leases to core deposits | 112.5552% | 803 |
| Total domestic deposits to total assets | 80.3149% | 4,113 |
| Equity capital to assets | 10.3611% | 3,463 |
| Core capital (leverage) ratio | 10.4269% | 3,136 |
| Tier 1 risk-based capital ratio | 14.5116% | 3,098 |
| Total risk-based capital ratio | 15.5757% | 3,112 |
| Memoranda: | ||
| Average total assets | $275,290,000 | 2,339 |
| Average earning assets | $263,183,500 | 2,295 |
| Average equity | $28,744,000 | 2,474 |
| Average total loans | $224,835,000 | 2,025 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 975 |
| Cost of funding earning assets | 1.5726% | 65 |
| Net interest margin | 3.4615% | 3,831 |
| Noninterest income to average assets | 1.5093% | 403 |
| Noninterest expense to average assets | 3.5821% | 894 |
| Loan and lease loss provision to assets | 0.1631% | 1,245 |
| Net operating income to assets | 0.8152% | 3,748 |
| Return on assets (ROA) | 0.8152% | 3,748 |
| Pretax return on assets | 1.0844% | 3,330 |
| Return on Equity (ROE) | 9.1965% | 2,893 |
| Retained earnings to average equity (ytd only) | 5.8709% | 2,257 |
| Net charge-offs to loans | 0.1205% | 1,530 |
| Credit loss provision to net charge-offs | 158.3969% | 1,749 |
| Earnings coverage of net charge-offs (x) | 12.1145% | 2,564 |
| Efficiency ratio | 73.7712% | 1,656 |
| Assets per employee ($millions) | 3.7063% | 4,308 |
| Cash dividends to net income (ytd only)* | 36.1620% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 4,263 |
| Loan loss allowance to noncurrent loans | 166.8081% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 1,303 |
| Noncurrent loans to loans | 0.5260% | 2,695 |
| Net loans and leases to total assets | 82.0517% | 641 |
| Net loans and leases to deposits | 102.3858% | 565 |
| Net loans and leases to core deposits | 115.4104% | 711 |
| Total domestic deposits to total assets | 80.1398% | 4,072 |
| Equity capital to assets | 10.5244% | 3,156 |
| Core capital (leverage) ratio | 10.9235% | 2,600 |
| Tier 1 risk-based capital ratio | 14.4549% | 3,084 |
| Total risk-based capital ratio | 15.4911% | 3,110 |
| Memoranda: | ||
| Average total assets | $254,429,200 | 2,441 |
| Average earning assets | $244,055,400 | 2,383 |
| Average equity | $22,552,000 | 2,858 |
| Average total loans | $217,359,400 | 2,045 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0235% | 896 |
| Cost of funding earning assets | 1.5547% | 54 |
| Net interest margin | 3.4687% | 3,807 |
| Noninterest income to average assets | 1.5421% | 409 |
| Noninterest expense to average assets | 3.6341% | 814 |
| Loan and lease loss provision to assets | 0.1853% | 977 |
| Net operating income to assets | 0.8120% | 3,866 |
| Return on assets (ROA) | 0.8120% | 3,875 |
| Pretax return on assets | 1.0538% | 3,564 |
| Return on Equity (ROE) | 9.6495% | 2,777 |
| Retained earnings to average equity (ytd only) | 6.4858% | 2,391 |
| Net charge-offs to loans | 0.1619% | 1,019 |
| Credit loss provision to net charge-offs | 132.8244% | 1,863 |
| Earnings coverage of net charge-offs (x) | 8.8818% | 2,675 |
| Efficiency ratio | 74.1805% | 1,563 |
| Assets per employee ($millions) | 3.6885% | 4,325 |
| Cash dividends to net income (ytd only)* | 32.7869% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 4,461 |
| Loan loss allowance to noncurrent loans | 121.2780% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2258% | 1,135 |
| Noncurrent loans to loans | 0.7008% | 2,322 |
| Net loans and leases to total assets | 85.7548% | 288 |
| Net loans and leases to deposits | 104.4707% | 523 |
| Net loans and leases to core deposits | 117.6178% | 653 |
| Total domestic deposits to total assets | 82.0850% | 3,585 |
| Equity capital to assets | 8.3841% | 4,989 |
| Core capital (leverage) ratio | 8.1398% | 5,280 |
| Tier 1 risk-based capital ratio | 11.1077% | 4,986 |
| Total risk-based capital ratio | 12.1281% | 4,995 |
| Memoranda: | ||
| Average total assets | $250,396,250 | 2,484 |
| Average earning assets | $240,465,000 | 2,420 |
| Average equity | $21,071,250 | 2,999 |
| Average total loans | $215,708,000 | 2,066 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 879 |
| Cost of funding earning assets | 1.5107% | 52 |
| Net interest margin | 3.4569% | 3,778 |
| Noninterest income to average assets | 1.3650% | 515 |
| Noninterest expense to average assets | 3.6811% | 788 |
| Loan and lease loss provision to assets | 0.1329% | 1,485 |
| Net operating income to assets | 0.6821% | 4,245 |
| Return on assets (ROA) | 0.6821% | 4,250 |
| Pretax return on assets | 0.8681% | 4,059 |
| Return on Equity (ROE) | 8.1133% | 3,453 |
| Retained earnings to average equity (ytd only) | 5.7186% | 2,713 |
| Net charge-offs to loans | 0.1389% | 1,083 |
| Credit loss provision to net charge-offs | 111.4865% | 1,875 |
| Earnings coverage of net charge-offs (x) | 8.3986% | 2,481 |
| Efficiency ratio | 78.2078% | 1,184 |
| Assets per employee ($millions) | 3.7703% | 4,250 |
| Cash dividends to net income (ytd only)* | 29.5159% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 4,553 |
| Loan loss allowance to noncurrent loans | 232.9936% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.9591% | 1,569 |
| Noncurrent loans to loans | 0.3648% | 3,387 |
| Net loans and leases to total assets | 83.2269% | 557 |
| Net loans and leases to deposits | 104.0457% | 525 |
| Net loans and leases to core deposits | 116.7219% | 679 |
| Total domestic deposits to total assets | 79.9906% | 4,241 |
| Equity capital to assets | 8.2698% | 5,094 |
| Core capital (leverage) ratio | 8.1689% | 5,282 |
| Tier 1 risk-based capital ratio | 11.1422% | 4,974 |
| Total risk-based capital ratio | 12.1514% | 4,998 |
| Memoranda: | ||
| Average total assets | $248,349,670 | 2,513 |
| Average earning assets | $238,303,000 | 2,448 |
| Average equity | $20,879,330 | 3,039 |
| Average total loans | $213,174,000 | 2,084 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8856% | 897 |
| Cost of funding earning assets | 1.4626% | 51 |
| Net interest margin | 3.4230% | 3,808 |
| Noninterest income to average assets | 1.1574% | 686 |
| Noninterest expense to average assets | 3.7555% | 708 |
| Loan and lease loss provision to assets | 0.1162% | 1,632 |
| Net operating income to assets | 0.4895% | 4,720 |
| Return on assets (ROA) | 0.4895% | 4,728 |
| Pretax return on assets | 0.5844% | 4,723 |
| Return on Equity (ROE) | 5.7728% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.7728% | 2,824 |
| Net charge-offs to loans | 0.0886% | 1,275 |
| Credit loss provision to net charge-offs | 151.0638% | 1,226 |
| Earnings coverage of net charge-offs (x) | 9.1064% | 1,988 |
| Efficiency ratio | 83.8354% | 810 |
| Assets per employee ($millions) | 3.4764% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 4,607 |
| Loan loss allowance to noncurrent loans | 67.8994% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.0803% | 1,444 |
| Noncurrent loans to loans | 1.2646% | 1,425 |
| Net loans and leases to total assets | 84.6964% | 367 |
| Net loans and leases to deposits | 105.4313% | 406 |
| Net loans and leases to core deposits | 117.6750% | 667 |
| Total domestic deposits to total assets | 80.3332% | 4,356 |
| Equity capital to assets | 8.3436% | 5,082 |
| Core capital (leverage) ratio | 8.4100% | 5,199 |
| Tier 1 risk-based capital ratio | 11.2389% | 5,013 |
| Total risk-based capital ratio | 12.2774% | 5,020 |
| Memoranda: | ||
| Average total assets | $244,334,500 | 2,559 |
| Average earning assets | $235,466,000 | 2,488 |
| Average equity | $20,718,000 | 3,082 |
| Average total loans | $212,158,000 | 2,098 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9400% | 730 |
| Cost of funding earning assets | 1.3864% | 34 |
| Net interest margin | 3.5536% | 3,324 |
| Noninterest income to average assets | 1.4602% | 495 |
| Noninterest expense to average assets | 3.5456% | 963 |
| Loan and lease loss provision to assets | 0.1255% | 1,824 |
| Net operating income to assets | 0.6610% | 3,782 |
| Return on assets (ROA) | 0.6610% | 3,819 |
| Pretax return on assets | 1.2013% | 2,765 |
| Return on Equity (ROE) | 7.5155% | 3,027 |
| Retained earnings to average equity (ytd only) | 6.2595% | 1,403 |
| Net charge-offs to loans | 0.0392% | 3,016 |
| Credit loss provision to net charge-offs | 368.8312% | 806 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,285 |
| Efficiency ratio | 72.3250% | 2,173 |
| Assets per employee ($millions) | 3.2212% | 5,012 |
| Cash dividends to net income (ytd only)* | 16.7112% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 4,628 |
| Loan loss allowance to noncurrent loans | 59.0228% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 1,130 |
| Noncurrent loans to loans | 1.4585% | 1,172 |
| Net loans and leases to total assets | 87.5420% | 161 |
| Net loans and leases to deposits | 110.2771% | 263 |
| Net loans and leases to core deposits | 121.3462% | 543 |
| Total domestic deposits to total assets | 79.3836% | 4,466 |
| Equity capital to assets | 8.6219% | 5,015 |
| Core capital (leverage) ratio | 8.5419% | 5,102 |
| Tier 1 risk-based capital ratio | 11.2615% | 5,010 |
| Total risk-based capital ratio | 12.3056% | 4,997 |
| Memoranda: | ||
| Average total assets | $226,338,400 | 2,670 |
| Average earning assets | $217,326,000 | 2,607 |
| Average equity | $19,905,600 | 3,156 |
| Average total loans | $196,274,200 | 2,188 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 741 |
| Cost of funding earning assets | 1.3651% | 32 |
| Net interest margin | 3.5460% | 3,332 |
| Noninterest income to average assets | 1.3809% | 557 |
| Noninterest expense to average assets | 3.4465% | 1,072 |
| Loan and lease loss provision to assets | 0.1128% | 1,905 |
| Net operating income to assets | 0.7916% | 3,554 |
| Return on assets (ROA) | 0.7916% | 3,608 |
| Pretax return on assets | 1.2239% | 2,809 |
| Return on Equity (ROE) | 8.9544% | 2,627 |
| Retained earnings to average equity (ytd only) | 7.2662% | 1,558 |
| Net charge-offs to loans | 0.0408% | 2,622 |
| Credit loss provision to net charge-offs | 320.3390% | 936 |
| Earnings coverage of net charge-offs (x) | 37.9514% | 1,351 |
| Efficiency ratio | 71.6051% | 2,263 |
| Assets per employee ($millions) | 3.5041% | 4,729 |
| Cash dividends to net income (ytd only)* | 18.8539% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 4,723 |
| Loan loss allowance to noncurrent loans | 48.9836% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.6111% | 919 |
| Noncurrent loans to loans | 1.7536% | 1,024 |
| Net loans and leases to total assets | 86.5853% | 223 |
| Net loans and leases to deposits | 108.3366% | 330 |
| Net loans and leases to core deposits | 117.4348% | 688 |
| Total domestic deposits to total assets | 79.9224% | 4,330 |
| Equity capital to assets | 8.8088% | 5,076 |
| Core capital (leverage) ratio | 8.6131% | 5,145 |
| Tier 1 risk-based capital ratio | 11.7210% | 4,820 |
| Total risk-based capital ratio | 12.7667% | 4,845 |
| Memoranda: | ||
| Average total assets | $223,330,750 | 2,719 |
| Average earning assets | $214,285,250 | 2,645 |
| Average equity | $19,744,000 | 3,192 |
| Average total loans | $192,721,500 | 2,234 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9138% | 672 |
| Cost of funding earning assets | 1.3311% | 33 |
| Net interest margin | 3.5827% | 3,101 |
| Noninterest income to average assets | 1.1165% | 805 |
| Noninterest expense to average assets | 3.4801% | 1,040 |
| Loan and lease loss provision to assets | 0.0961% | 2,077 |
| Net operating income to assets | 0.6525% | 4,067 |
| Return on assets (ROA) | 0.6525% | 4,123 |
| Pretax return on assets | 0.9797% | 3,638 |
| Return on Equity (ROE) | 7.3715% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.3715% | 1,415 |
| Net charge-offs to loans | 0.0221% | 2,777 |
| Credit loss provision to net charge-offs | 504.7619% | 654 |
| Earnings coverage of net charge-offs (x) | 56.5238% | 989 |
| Efficiency ratio | 75.9101% | 1,736 |
| Assets per employee ($millions) | 3.8011% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 4,806 |
| Loan loss allowance to noncurrent loans | 100.2372% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.8199% | 2,158 |
| Noncurrent loans to loans | 0.8517% | 2,279 |
| Net loans and leases to total assets | 86.0559% | 267 |
| Net loans and leases to deposits | 107.7893% | 327 |
| Net loans and leases to core deposits | 116.4515% | 695 |
| Total domestic deposits to total assets | 79.8371% | 4,449 |
| Equity capital to assets | 8.7650% | 5,092 |
| Core capital (leverage) ratio | 8.9432% | 4,785 |
| Tier 1 risk-based capital ratio | 11.7257% | 4,824 |
| Total risk-based capital ratio | 12.7651% | 4,841 |
| Memoranda: | ||
| Average total assets | $220,685,000 | 2,759 |
| Average earning assets | $211,853,330 | 2,680 |
| Average equity | $19,534,670 | 3,208 |
| Average total loans | $189,635,670 | 2,260 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9144% | 608 |
| Cost of funding earning assets | 1.3337% | 29 |
| Net interest margin | 3.5807% | 2,962 |
| Noninterest income to average assets | 0.5751% | 2,538 |
| Noninterest expense to average assets | 3.4600% | 1,099 |
| Loan and lease loss provision to assets | 0.0774% | 2,262 |
| Net operating income to assets | 0.3336% | 5,121 |
| Return on assets (ROA) | 0.3336% | 5,144 |
| Pretax return on assets | 0.4774% | 5,009 |
| Return on Equity (ROE) | 3.7499% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.7499% | 3,574 |
| Net charge-offs to loans | -0.0065% | 4,263 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6290% | 831 |
| Assets per employee ($millions) | 3.5823% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 4,833 |
| Loan loss allowance to noncurrent loans | 98.8616% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 1,981 |
| Noncurrent loans to loans | 0.8886% | 2,249 |
| Net loans and leases to total assets | 85.1987% | 269 |
| Net loans and leases to deposits | 101.7233% | 511 |
| Net loans and leases to core deposits | 110.1847% | 871 |
| Total domestic deposits to total assets | 83.7554% | 3,570 |
| Equity capital to assets | 8.8838% | 4,922 |
| Core capital (leverage) ratio | 8.7153% | 5,030 |
| Tier 1 risk-based capital ratio | 11.8577% | 4,805 |
| Total risk-based capital ratio | 12.9149% | 4,830 |
| Memoranda: | ||
| Average total assets | $216,994,000 | 2,819 |
| Average earning assets | $208,448,000 | 2,743 |
| Average equity | $19,307,000 | 3,255 |
| Average total loans | $185,476,000 | 2,312 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 705 |
| Cost of funding earning assets | 1.3503% | 27 |
| Net interest margin | 3.5703% | 3,184 |
| Noninterest income to average assets | 1.2251% | 761 |
| Noninterest expense to average assets | 3.3315% | 1,513 |
| Loan and lease loss provision to assets | 0.1470% | 1,692 |
| Net operating income to assets | 0.7801% | 3,399 |
| Return on assets (ROA) | 0.7801% | 3,506 |
| Pretax return on assets | 1.1642% | 2,834 |
| Return on Equity (ROE) | 8.4424% | 2,713 |
| Retained earnings to average equity (ytd only) | 8.4424% | 721 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5308% | 2,663 |
| Assets per employee ($millions) | 3.7801% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,871 |
| Loan loss allowance to noncurrent loans | 85.7372% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 1,762 |
| Noncurrent loans to loans | 1.0223% | 2,042 |
| Net loans and leases to total assets | 84.2448% | 364 |
| Net loans and leases to deposits | 100.8030% | 622 |
| Net loans and leases to core deposits | 109.1351% | 950 |
| Total domestic deposits to total assets | 83.5737% | 3,577 |
| Equity capital to assets | 8.9114% | 4,896 |
| Core capital (leverage) ratio | 8.9372% | 4,815 |
| Tier 1 risk-based capital ratio | 12.1366% | 4,635 |
| Total risk-based capital ratio | 13.1975% | 4,650 |
| Memoranda: | ||
| Average total assets | $198,680,600 | 2,968 |
| Average earning assets | $190,178,400 | 2,891 |
| Average equity | $18,359,800 | 3,361 |
| Average total loans | $163,151,600 | 2,485 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8966% | 732 |
| Cost of funding earning assets | 1.3455% | 25 |
| Net interest margin | 3.5511% | 3,264 |
| Noninterest income to average assets | 1.2237% | 771 |
| Noninterest expense to average assets | 3.2975% | 1,571 |
| Loan and lease loss provision to assets | 0.1179% | 1,963 |
| Net operating income to assets | 0.7445% | 3,630 |
| Return on assets (ROA) | 0.7445% | 3,758 |
| Pretax return on assets | 1.2045% | 2,816 |
| Return on Equity (ROE) | 7.9780% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.9780% | 1,184 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1233% | 2,717 |
| Assets per employee ($millions) | 4.0812% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,910 |
| Loan loss allowance to noncurrent loans | 97.0588% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 1,895 |
| Noncurrent loans to loans | 0.9142% | 2,417 |
| Net loans and leases to total assets | 79.6936% | 933 |
| Net loans and leases to deposits | 94.1167% | 1,245 |
| Net loans and leases to core deposits | 102.3635% | 1,454 |
| Total domestic deposits to total assets | 84.6753% | 2,957 |
| Equity capital to assets | 9.0112% | 5,167 |
| Core capital (leverage) ratio | 8.8841% | 4,961 |
| Tier 1 risk-based capital ratio | 13.1294% | 4,084 |
| Total risk-based capital ratio | 14.2222% | 4,095 |
| Memoranda: | ||
| Average total assets | $194,484,250 | 3,025 |
| Average earning assets | $186,003,250 | 2,954 |
| Average equity | $18,149,500 | 3,404 |
| Average total loans | $158,158,500 | 2,547 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9493% | 645 |
| Cost of funding earning assets | 1.3244% | 31 |
| Net interest margin | 3.6249% | 2,996 |
| Noninterest income to average assets | 1.2141% | 764 |
| Noninterest expense to average assets | 3.4160% | 1,341 |
| Loan and lease loss provision to assets | 0.1169% | 1,940 |
| Net operating income to assets | 0.7076% | 3,750 |
| Return on assets (ROA) | 0.7076% | 3,903 |
| Pretax return on assets | 1.1457% | 3,003 |
| Return on Equity (ROE) | 7.4886% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.4886% | 1,388 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0137% | 2,518 |
| Assets per employee ($millions) | 3.8631% | 4,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 5,007 |
| Loan loss allowance to noncurrent loans | 94.3671% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.4705% | 1,318 |
| Noncurrent loans to loans | 0.9350% | 2,406 |
| Net loans and leases to total assets | 79.6331% | 966 |
| Net loans and leases to deposits | 95.0126% | 1,186 |
| Net loans and leases to core deposits | 103.6317% | 1,348 |
| Total domestic deposits to total assets | 83.8132% | 3,346 |
| Equity capital to assets | 9.1244% | 5,140 |
| Core capital (leverage) ratio | 9.4661% | 4,244 |
| Tier 1 risk-based capital ratio | 13.8265% | 3,708 |
| Total risk-based capital ratio | 14.9211% | 3,715 |
| Memoranda: | ||
| Average total assets | $189,932,000 | 3,088 |
| Average earning assets | $181,522,000 | 3,029 |
| Average equity | $17,947,330 | 3,446 |
| Average total loans | $155,091,330 | 2,588 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 606 |
| Cost of funding earning assets | 1.3164% | 33 |
| Net interest margin | 3.6633% | 2,835 |
| Noninterest income to average assets | 1.0019% | 1,072 |
| Noninterest expense to average assets | 3.4826% | 1,215 |
| Loan and lease loss provision to assets | 0.0976% | 2,067 |
| Net operating income to assets | 0.5530% | 4,405 |
| Return on assets (ROA) | 0.5530% | 4,508 |
| Pretax return on assets | 0.9216% | 3,758 |
| Return on Equity (ROE) | 5.7444% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.7444% | 2,500 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3603% | 1,983 |
| Assets per employee ($millions) | 3.5794% | 4,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8807% | 5,119 |
| Loan loss allowance to noncurrent loans | 70.0000% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 1.7858% | 1,047 |
| Noncurrent loans to loans | 1.2581% | 1,923 |
| Net loans and leases to total assets | 82.1163% | 543 |
| Net loans and leases to deposits | 99.2764% | 667 |
| Net loans and leases to core deposits | 106.7317% | 1,032 |
| Total domestic deposits to total assets | 82.7148% | 3,999 |
| Equity capital to assets | 9.6175% | 4,548 |
| Core capital (leverage) ratio | 9.7256% | 3,880 |
| Tier 1 risk-based capital ratio | 14.0426% | 3,663 |
| Total risk-based capital ratio | 15.1291% | 3,702 |
| Memoranda: | ||
| Average total assets | $184,458,000 | 3,149 |
| Average earning assets | $176,235,500 | 3,092 |
| Average equity | $17,756,500 | 3,468 |
| Average total loans | $151,941,500 | 2,618 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4084% | 315 |
| Cost of funding earning assets | 1.3163% | 32 |
| Net interest margin | 4.0921% | 1,428 |
| Noninterest income to average assets | 1.1467% | 897 |
| Noninterest expense to average assets | 3.5684% | 1,181 |
| Loan and lease loss provision to assets | 0.1921% | 1,151 |
| Net operating income to assets | 0.8267% | 3,215 |
| Return on assets (ROA) | 0.7979% | 3,432 |
| Pretax return on assets | 1.2493% | 2,470 |
| Return on Equity (ROE) | 7.8820% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.8820% | 954 |
| Net charge-offs to loans | 0.1096% | 2,282 |
| Credit loss provision to net charge-offs | 206.4516% | 1,359 |
| Earnings coverage of net charge-offs (x) | 15.9742% | 2,167 |
| Efficiency ratio | 70.5938% | 3,126 |
| Assets per employee ($millions) | 3.5151% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 5,173 |
| Loan loss allowance to noncurrent loans | 154.1080% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.2375% | 1,735 |
| Noncurrent loans to loans | 0.5692% | 3,467 |
| Net loans and leases to total assets | 81.1709% | 680 |
| Net loans and leases to deposits | 98.1660% | 803 |
| Net loans and leases to core deposits | 104.9984% | 1,165 |
| Total domestic deposits to total assets | 82.6874% | 3,950 |
| Equity capital to assets | 9.6353% | 4,393 |
| Core capital (leverage) ratio | 9.8369% | 3,726 |
| Tier 1 risk-based capital ratio | 14.6437% | 3,355 |
| Total risk-based capital ratio | 15.7587% | 3,350 |
| Memoranda: | ||
| Average total assets | $166,572,000 | 3,357 |
| Average earning assets | $159,085,400 | 3,267 |
| Average equity | $16,861,200 | 3,550 |
| Average total loans | $141,392,000 | 2,710 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5005% | 267 |
| Cost of funding earning assets | 1.3058% | 37 |
| Net interest margin | 4.1947% | 1,179 |
| Noninterest income to average assets | 1.1289% | 944 |
| Noninterest expense to average assets | 3.6057% | 1,111 |
| Loan and lease loss provision to assets | 0.2297% | 801 |
| Net operating income to assets | 0.8073% | 3,397 |
| Return on assets (ROA) | 0.7679% | 3,688 |
| Pretax return on assets | 1.2380% | 2,663 |
| Return on Equity (ROE) | 7.4848% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.4848% | 1,452 |
| Net charge-offs to loans | 0.1321% | 1,814 |
| Credit loss provision to net charge-offs | 202.8986% | 1,320 |
| Earnings coverage of net charge-offs (x) | 13.5069% | 2,322 |
| Efficiency ratio | 70.2189% | 3,173 |
| Assets per employee ($millions) | 3.5367% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 5,248 |
| Loan loss allowance to noncurrent loans | 89.2734% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.2528% | 1,866 |
| Noncurrent loans to loans | 0.9927% | 2,506 |
| Net loans and leases to total assets | 83.2524% | 448 |
| Net loans and leases to deposits | 101.6007% | 568 |
| Net loans and leases to core deposits | 106.5217% | 1,062 |
| Total domestic deposits to total assets | 81.9407% | 4,182 |
| Equity capital to assets | 9.9327% | 4,251 |
| Core capital (leverage) ratio | 10.0292% | 3,580 |
| Tier 1 risk-based capital ratio | 14.1777% | 3,742 |
| Total risk-based capital ratio | 15.2633% | 3,783 |
| Memoranda: | ||
| Average total assets | $162,518,500 | 3,438 |
| Average earning assets | $155,207,250 | 3,353 |
| Average equity | $16,673,500 | 3,604 |
| Average total loans | $139,319,500 | 2,749 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5737% | 239 |
| Cost of funding earning assets | 1.2922% | 37 |
| Net interest margin | 4.2815% | 962 |
| Noninterest income to average assets | 1.1125% | 978 |
| Noninterest expense to average assets | 3.6860% | 1,006 |
| Loan and lease loss provision to assets | 0.2630% | 640 |
| Net operating income to assets | 0.7727% | 3,526 |
| Return on assets (ROA) | 0.7727% | 3,627 |
| Pretax return on assets | 1.2496% | 2,554 |
| Return on Equity (ROE) | 7.4453% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.4453% | 1,500 |
| Net charge-offs to loans | 0.1180% | 1,828 |
| Credit loss provision to net charge-offs | 258.0247% | 1,029 |
| Earnings coverage of net charge-offs (x) | 14.8395% | 2,026 |
| Efficiency ratio | 70.9029% | 3,181 |
| Assets per employee ($millions) | 3.6185% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 5,424 |
| Loan loss allowance to noncurrent loans | 57.9210% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.6287% | 1,476 |
| Noncurrent loans to loans | 1.4897% | 1,783 |
| Net loans and leases to total assets | 88.0783% | 136 |
| Net loans and leases to deposits | 108.1132% | 303 |
| Net loans and leases to core deposits | 113.1225% | 704 |
| Total domestic deposits to total assets | 81.4686% | 4,456 |
| Equity capital to assets | 10.1140% | 3,912 |
| Core capital (leverage) ratio | 10.3256% | 3,185 |
| Tier 1 risk-based capital ratio | 13.9465% | 3,965 |
| Total risk-based capital ratio | 15.0260% | 3,988 |
| Memoranda: | ||
| Average total assets | $158,926,000 | 3,505 |
| Average earning assets | $151,676,000 | 3,423 |
| Average equity | $16,493,670 | 3,641 |
| Average total loans | $137,238,330 | 2,784 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5141% | 252 |
| Cost of funding earning assets | 1.2839% | 42 |
| Net interest margin | 4.2301% | 1,011 |
| Noninterest income to average assets | 0.9487% | 1,239 |
| Noninterest expense to average assets | 3.8050% | 872 |
| Loan and lease loss provision to assets | 0.2269% | 769 |
| Net operating income to assets | 0.5775% | 4,372 |
| Return on assets (ROA) | 0.5775% | 4,478 |
| Pretax return on assets | 0.9513% | 3,686 |
| Return on Equity (ROE) | 5.4892% | 4,290 |
| Retained earnings to average equity (ytd only) | 5.4892% | 2,786 |
| Net charge-offs to loans | 0.1546% | 1,333 |
| Credit loss provision to net charge-offs | 172.5490% | 1,155 |
| Earnings coverage of net charge-offs (x) | 8.9608% | 2,048 |
| Efficiency ratio | 76.3580% | 2,459 |
| Assets per employee ($millions) | 3.1807% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 5,529 |
| Loan loss allowance to noncurrent loans | 45.1601% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 1.9217% | 1,264 |
| Noncurrent loans to loans | 1.9182% | 1,395 |
| Net loans and leases to total assets | 87.0116% | 141 |
| Net loans and leases to deposits | 106.4743% | 297 |
| Net loans and leases to core deposits | 111.6572% | 672 |
| Total domestic deposits to total assets | 81.7207% | 4,595 |
| Equity capital to assets | 10.5490% | 3,481 |
| Core capital (leverage) ratio | 10.5194% | 2,934 |
| Tier 1 risk-based capital ratio | 14.5661% | 3,689 |
| Total risk-based capital ratio | 15.6421% | 3,702 |
| Memoranda: | ||
| Average total assets | $155,162,500 | 3,572 |
| Average earning assets | $147,985,500 | 3,499 |
| Average equity | $16,323,000 | 3,691 |
| Average total loans | $131,915,000 | 2,884 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5988% | 270 |
| Cost of funding earning assets | 1.3013% | 54 |
| Net interest margin | 4.2974% | 1,063 |
| Noninterest income to average assets | 1.3480% | 671 |
| Noninterest expense to average assets | 3.7077% | 1,133 |
| Loan and lease loss provision to assets | 0.2819% | 750 |
| Net operating income to assets | 0.9130% | 2,814 |
| Return on assets (ROA) | 0.9130% | 2,906 |
| Pretax return on assets | 1.4224% | 1,806 |
| Return on Equity (ROE) | 8.0678% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.9064% | 2,676 |
| Net charge-offs to loans | 0.1559% | 2,473 |
| Credit loss provision to net charge-offs | 210.6952% | 1,173 |
| Earnings coverage of net charge-offs (x) | 12.7380% | 2,341 |
| Efficiency ratio | 68.5087% | 3,806 |
| Assets per employee ($millions) | 3.8618% | 4,235 |
| Cash dividends to net income (ytd only)* | 39.1850% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 5,466 |
| Loan loss allowance to noncurrent loans | 40.5510% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 1.9046% | 1,351 |
| Noncurrent loans to loans | 2.2285% | 1,190 |
| Net loans and leases to total assets | 81.4949% | 578 |
| Net loans and leases to deposits | 99.7449% | 636 |
| Net loans and leases to core deposits | 104.8683% | 1,084 |
| Total domestic deposits to total assets | 81.7034% | 4,527 |
| Equity capital to assets | 10.4906% | 3,495 |
| Core capital (leverage) ratio | 10.7411% | 2,678 |
| Tier 1 risk-based capital ratio | 15.3831% | 3,281 |
| Total risk-based capital ratio | 16.4997% | 3,297 |
| Memoranda: | ||
| Average total assets | $139,761,600 | 3,805 |
| Average earning assets | $132,172,200 | 3,717 |
| Average equity | $15,816,000 | 3,703 |
| Average total loans | $119,955,400 | 3,044 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7236% | 219 |
| Cost of funding earning assets | 1.2933% | 57 |
| Net interest margin | 4.4303% | 848 |
| Noninterest income to average assets | 1.3227% | 695 |
| Noninterest expense to average assets | 3.7466% | 1,045 |
| Loan and lease loss provision to assets | 0.3302% | 555 |
| Net operating income to assets | 0.8877% | 2,970 |
| Return on assets (ROA) | 0.8877% | 3,075 |
| Pretax return on assets | 1.4246% | 1,908 |
| Return on Equity (ROE) | 7.6849% | 3,372 |
| Retained earnings to average equity (ytd only) | 5.5643% | 2,694 |
| Net charge-offs to loans | 0.1467% | 2,327 |
| Credit loss provision to net charge-offs | 259.2308% | 1,021 |
| Earnings coverage of net charge-offs (x) | 13.7768% | 2,194 |
| Efficiency ratio | 68.1033% | 3,837 |
| Assets per employee ($millions) | 4.0886% | 3,688 |
| Cash dividends to net income (ytd only)* | 27.5942% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9165% | 5,552 |
| Loan loss allowance to noncurrent loans | 52.7816% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 1.6197% | 1,870 |
| Noncurrent loans to loans | 1.7365% | 1,864 |
| Net loans and leases to total assets | 84.3170% | 319 |
| Net loans and leases to deposits | 104.1962% | 389 |
| Net loans and leases to core deposits | 108.8496% | 807 |
| Total domestic deposits to total assets | 80.9214% | 4,843 |
| Equity capital to assets | 10.9307% | 3,026 |
| Core capital (leverage) ratio | 11.1397% | 2,360 |
| Tier 1 risk-based capital ratio | 15.9910% | 3,063 |
| Total risk-based capital ratio | 17.1529% | 3,049 |
| Memoranda: | ||
| Average total assets | $136,084,250 | 3,897 |
| Average earning assets | $128,353,750 | 3,827 |
| Average equity | $15,718,750 | 3,731 |
| Average total loans | $118,185,750 | 3,093 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7552% | 197 |
| Cost of funding earning assets | 1.2781% | 66 |
| Net interest margin | 4.4772% | 736 |
| Noninterest income to average assets | 1.2192% | 789 |
| Noninterest expense to average assets | 3.7649% | 1,023 |
| Loan and lease loss provision to assets | 0.3414% | 532 |
| Net operating income to assets | 0.8219% | 3,224 |
| Return on assets (ROA) | 0.8219% | 3,323 |
| Pretax return on assets | 1.3416% | 2,108 |
| Return on Equity (ROE) | 6.9764% | 3,633 |
| Retained earnings to average equity (ytd only) | 3.7704% | 3,788 |
| Net charge-offs to loans | 0.0017% | 4,337 |
| Credit loss provision to net charge-offs | 22,600.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 1,114.0000% | 55 |
| Efficiency ratio | 69.1070% | 3,817 |
| Assets per employee ($millions) | 4.1021% | 3,640 |
| Cash dividends to net income (ytd only)* | 45.9559% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 5,533 |
| Loan loss allowance to noncurrent loans | 48.7662% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.8857% | 1,718 |
| Noncurrent loans to loans | 1.9629% | 1,723 |
| Net loans and leases to total assets | 86.5025% | 154 |
| Net loans and leases to deposits | 106.0345% | 303 |
| Net loans and leases to core deposits | 110.1368% | 692 |
| Total domestic deposits to total assets | 81.5796% | 4,790 |
| Equity capital to assets | 11.2806% | 2,629 |
| Core capital (leverage) ratio | 11.6466% | 1,885 |
| Tier 1 risk-based capital ratio | 16.1507% | 3,008 |
| Total risk-based capital ratio | 17.3627% | 2,976 |
| Memoranda: | ||
| Average total assets | $132,382,000 | 3,986 |
| Average earning assets | $125,033,670 | 3,910 |
| Average equity | $15,595,330 | 3,755 |
| Average total loans | $115,829,330 | 3,139 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8681% | 172 |
| Cost of funding earning assets | 1.2724% | 71 |
| Net interest margin | 4.5957% | 557 |
| Noninterest income to average assets | 0.8569% | 1,531 |
| Noninterest expense to average assets | 3.8281% | 940 |
| Loan and lease loss provision to assets | 0.3105% | 609 |
| Net operating income to assets | 0.6458% | 3,968 |
| Return on assets (ROA) | 0.6458% | 4,060 |
| Pretax return on assets | 1.0804% | 2,995 |
| Return on Equity (ROE) | 5.3586% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.3586% | 2,882 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3492% | 3,251 |
| Assets per employee ($millions) | 3.9952% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 5,889 |
| Loan loss allowance to noncurrent loans | 55.8776% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 1.7225% | 2,045 |
| Noncurrent loans to loans | 1.5957% | 2,424 |
| Net loans and leases to total assets | 87.7641% | 87 |
| Net loans and leases to deposits | 106.8786% | 218 |
| Net loans and leases to core deposits | 111.2158% | 538 |
| Total domestic deposits to total assets | 82.1157% | 4,906 |
| Equity capital to assets | 11.8627% | 1,968 |
| Core capital (leverage) ratio | 12.1886% | 1,541 |
| Tier 1 risk-based capital ratio | 17.1836% | 2,607 |
| Total risk-based capital ratio | 18.3280% | 2,604 |
| Memoranda: | ||
| Average total assets | $128,838,000 | 4,089 |
| Average earning assets | $122,287,500 | 3,993 |
| Average equity | $15,526,500 | 3,779 |
| Average total loans | $112,838,500 | 3,205 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5329% | 341 |
| Cost of funding earning assets | 1.4580% | 55 |
| Net interest margin | 4.0748% | 1,718 |
| Noninterest income to average assets | 1.0770% | 1,221 |
| Noninterest expense to average assets | 3.8712% | 1,032 |
| Loan and lease loss provision to assets | 0.1982% | 1,870 |
| Net operating income to assets | 0.5647% | 4,434 |
| Return on assets (ROA) | 0.6112% | 4,333 |
| Pretax return on assets | 0.9721% | 3,464 |
| Return on Equity (ROE) | 4.7857% | 4,726 |
| Retained earnings to average equity (ytd only) | 1.5521% | 5,117 |
| Net charge-offs to loans | 0.1609% | 3,197 |
| Credit loss provision to net charge-offs | 150.9434% | 1,540 |
| Earnings coverage of net charge-offs (x) | 8.3585% | 2,684 |
| Efficiency ratio | 77.9089% | 2,487 |
| Assets per employee ($millions) | 3.9323% | 3,994 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 6,027 |
| Loan loss allowance to noncurrent loans | 49.1898% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 1.9764% | 1,816 |
| Noncurrent loans to loans | 1.7562% | 2,296 |
| Net loans and leases to total assets | 85.8154% | 165 |
| Net loans and leases to deposits | 103.2875% | 350 |
| Net loans and leases to core deposits | 106.8312% | 754 |
| Total domestic deposits to total assets | 83.0841% | 4,519 |
| Equity capital to assets | 12.2487% | 1,653 |
| Core capital (leverage) ratio | 12.7041% | 1,254 |
| Tier 1 risk-based capital ratio | 17.6751% | 2,346 |
| Total risk-based capital ratio | 18.7549% | 2,389 |
| Memoranda: | ||
| Average total assets | $121,074,600 | 4,256 |
| Average earning assets | $115,636,400 | 4,142 |
| Average equity | $15,462,600 | 3,789 |
| Average total loans | $98,789,600 | 3,479 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4290% | 415 |
| Cost of funding earning assets | 1.4995% | 51 |
| Net interest margin | 3.9295% | 2,173 |
| Noninterest income to average assets | 1.0554% | 1,312 |
| Noninterest expense to average assets | 3.8169% | 1,063 |
| Loan and lease loss provision to assets | 0.1802% | 2,020 |
| Net operating income to assets | 0.5138% | 4,744 |
| Return on assets (ROA) | 0.5138% | 4,893 |
| Pretax return on assets | 0.8297% | 4,188 |
| Return on Equity (ROE) | 3.9805% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.9805% | 3,861 |
| Net charge-offs to loans | 0.1995% | 2,640 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.3054% | 3,000 |
| Efficiency ratio | 79.0783% | 2,250 |
| Assets per employee ($millions) | 3.9958% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 6,157 |
| Loan loss allowance to noncurrent loans | 42.1507% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 2.0188% | 1,988 |
| Noncurrent loans to loans | 2.0391% | 2,209 |
| Net loans and leases to total assets | 84.4852% | 215 |
| Net loans and leases to deposits | 97.5073% | 593 |
| Net loans and leases to core deposits | 101.0053% | 1,053 |
| Total domestic deposits to total assets | 86.6450% | 2,889 |
| Equity capital to assets | 13.0872% | 1,297 |
| Core capital (leverage) ratio | 12.8877% | 1,246 |
| Tier 1 risk-based capital ratio | 18.8075% | 2,046 |
| Total risk-based capital ratio | 19.8640% | 2,080 |
| Memoranda: | ||
| Average total assets | $119,884,750 | 4,321 |
| Average earning assets | $115,057,500 | 4,200 |
| Average equity | $15,475,000 | 3,832 |
| Average total loans | $96,255,500 | 3,570 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 471 |
| Cost of funding earning assets | 1.5166% | 51 |
| Net interest margin | 3.8488% | 2,381 |
| Noninterest income to average assets | 1.1711% | 1,106 |
| Noninterest expense to average assets | 3.8302% | 1,057 |
| Loan and lease loss provision to assets | 0.1785% | 2,126 |
| Net operating income to assets | 0.5422% | 4,593 |
| Return on assets (ROA) | 0.5422% | 4,761 |
| Pretax return on assets | 0.8625% | 4,053 |
| Return on Equity (ROE) | 4.2197% | 5,123 |
| Retained earnings to average equity (ytd only) | 4.2197% | 3,608 |
| Net charge-offs to loans | 0.0318% | 4,245 |
| Credit loss provision to net charge-offs | 713.3333% | 419 |
| Earnings coverage of net charge-offs (x) | 41.6000% | 905 |
| Efficiency ratio | 78.6301% | 2,363 |
| Assets per employee ($millions) | 3.9497% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 5,881 |
| Loan loss allowance to noncurrent loans | 49.0216% | 5,248 |
| Noncurrent assets plus other real estate owned to assets | 1.7388% | 2,506 |
| Noncurrent loans to loans | 2.0116% | 2,385 |
| Net loans and leases to total assets | 78.0672% | 739 |
| Net loans and leases to deposits | 90.5703% | 1,090 |
| Net loans and leases to core deposits | 93.7624% | 1,541 |
| Total domestic deposits to total assets | 86.1951% | 3,264 |
| Equity capital to assets | 12.6991% | 1,470 |
| Core capital (leverage) ratio | 12.6694% | 1,302 |
| Tier 1 risk-based capital ratio | 19.4741% | 1,863 |
| Total risk-based capital ratio | 20.6707% | 1,852 |
| Memoranda: | ||
| Average total assets | $119,888,670 | 4,353 |
| Average earning assets | $115,258,000 | 4,226 |
| Average equity | $15,404,000 | 3,869 |
| Average total loans | $94,289,670 | 3,625 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3185% | 495 |
| Cost of funding earning assets | 1.5376% | 48 |
| Net interest margin | 3.7809% | 2,519 |
| Noninterest income to average assets | 1.1061% | 1,210 |
| Noninterest expense to average assets | 3.7736% | 1,146 |
| Loan and lease loss provision to assets | 0.1754% | 2,113 |
| Net operating income to assets | 0.4890% | 4,735 |
| Return on assets (ROA) | 0.4890% | 4,886 |
| Pretax return on assets | 0.7891% | 4,213 |
| Return on Equity (ROE) | 3.7831% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.7831% | 3,964 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6441% | 2,383 |
| Assets per employee ($millions) | 4.1879% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9470% | 6,144 |
| Loan loss allowance to noncurrent loans | 35.3488% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 2.2882% | 2,035 |
| Noncurrent loans to loans | 2.6790% | 1,910 |
| Net loans and leases to total assets | 78.5443% | 556 |
| Net loans and leases to deposits | 92.0523% | 796 |
| Net loans and leases to core deposits | 95.3443% | 1,242 |
| Total domestic deposits to total assets | 85.3256% | 3,882 |
| Equity capital to assets | 12.6883% | 1,599 |
| Core capital (leverage) ratio | 12.9316% | 1,142 |
| Tier 1 risk-based capital ratio | 19.7539% | 1,834 |
| Total risk-based capital ratio | 20.9288% | 1,829 |
| Memoranda: | ||
| Average total assets | $118,612,000 | 4,424 |
| Average earning assets | $113,942,000 | 4,285 |
| Average equity | $15,331,500 | 3,940 |
| Average total loans | $93,165,000 | 3,671 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6256% | 487 |
| Cost of funding earning assets | 1.6520% | 91 |
| Net interest margin | 3.9735% | 2,504 |
| Noninterest income to average assets | 1.0416% | 1,430 |
| Noninterest expense to average assets | 3.5228% | 1,772 |
| Loan and lease loss provision to assets | 0.1492% | 3,742 |
| Net operating income to assets | 0.7471% | 3,524 |
| Return on assets (ROA) | 0.9422% | 2,839 |
| Pretax return on assets | 1.5067% | 1,652 |
| Return on Equity (ROE) | 6.9279% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.9279% | 1,604 |
| Net charge-offs to loans | 0.1283% | 4,397 |
| Credit loss provision to net charge-offs | 151.4019% | 1,800 |
| Earnings coverage of net charge-offs (x) | 13.7103% | 1,796 |
| Efficiency ratio | 72.2789% | 3,366 |
| Assets per employee ($millions) | 3.7346% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 6,113 |
| Loan loss allowance to noncurrent loans | 40.1681% | 5,610 |
| Noncurrent assets plus other real estate owned to assets | 1.9961% | 2,458 |
| Noncurrent loans to loans | 2.3782% | 2,253 |
| Net loans and leases to total assets | 77.0173% | 787 |
| Net loans and leases to deposits | 90.9588% | 985 |
| Net loans and leases to core deposits | 93.6352% | 1,496 |
| Total domestic deposits to total assets | 84.6727% | 4,003 |
| Equity capital to assets | 13.1748% | 1,367 |
| Core capital (leverage) ratio | 13.5774% | 920 |
| Tier 1 risk-based capital ratio | 21.0809% | 1,438 |
| Total risk-based capital ratio | 22.2742% | 1,428 |
| Memoranda: | ||
| Average total assets | $108,578,800 | 4,624 |
| Average earning assets | $104,718,600 | 4,474 |
| Average equity | $14,766,400 | 4,015 |
| Average total loans | $83,366,600 | 3,925 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6807% | 478 |
| Cost of funding earning assets | 1.6852% | 91 |
| Net interest margin | 3.9955% | 2,515 |
| Noninterest income to average assets | 0.8953% | 1,847 |
| Noninterest expense to average assets | 3.2877% | 2,302 |
| Loan and lease loss provision to assets | 0.2273% | 2,787 |
| Net operating income to assets | 0.7631% | 3,633 |
| Return on assets (ROA) | 1.0276% | 2,595 |
| Pretax return on assets | 1.6482% | 1,418 |
| Return on Equity (ROE) | 7.4929% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.4929% | 1,856 |
| Net charge-offs to loans | 0.0229% | 5,345 |
| Credit loss provision to net charge-offs | 1,300.0000% | 211 |
| Earnings coverage of net charge-offs (x) | 83.6256% | 492 |
| Efficiency ratio | 69.2166% | 3,835 |
| Assets per employee ($millions) | 3.7086% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 5,588 |
| Loan loss allowance to noncurrent loans | 45.0255% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.2464% | 2,374 |
| Noncurrent loans to loans | 2.5145% | 2,276 |
| Net loans and leases to total assets | 79.0023% | 608 |
| Net loans and leases to deposits | 94.1202% | 786 |
| Net loans and leases to core deposits | 97.1207% | 1,327 |
| Total domestic deposits to total assets | 83.9377% | 4,249 |
| Equity capital to assets | 13.9842% | 1,164 |
| Core capital (leverage) ratio | 14.0534% | 820 |
| Tier 1 risk-based capital ratio | 21.6891% | 1,383 |
| Total risk-based capital ratio | 22.9548% | 1,358 |
| Memoranda: | ||
| Average total assets | $106,780,000 | 4,711 |
| Average earning assets | $103,013,000 | 4,574 |
| Average equity | $14,644,750 | 4,069 |
| Average total loans | $81,701,750 | 4,032 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 494 |
| Cost of funding earning assets | 1.7090% | 100 |
| Net interest margin | 3.9793% | 2,593 |
| Noninterest income to average assets | 0.6872% | 2,736 |
| Noninterest expense to average assets | 3.1317% | 2,812 |
| Loan and lease loss provision to assets | 0.2816% | 2,326 |
| Net operating income to assets | 0.6706% | 4,014 |
| Return on assets (ROA) | 1.0683% | 2,397 |
| Pretax return on assets | 1.7423% | 1,157 |
| Return on Equity (ROE) | 7.8412% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.8412% | 1,703 |
| Net charge-offs to loans | 0.0100% | 5,323 |
| Credit loss provision to net charge-offs | 3,750.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 186.7500% | 241 |
| Efficiency ratio | 69.0683% | 3,926 |
| Assets per employee ($millions) | 4.6212% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1582% | 5,536 |
| Loan loss allowance to noncurrent loans | 33.7713% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 2.6730% | 2,069 |
| Noncurrent loans to loans | 3.4296% | 1,690 |
| Net loans and leases to total assets | 76.3574% | 924 |
| Net loans and leases to deposits | 91.9148% | 960 |
| Net loans and leases to core deposits | 94.9139% | 1,514 |
| Total domestic deposits to total assets | 83.0741% | 4,729 |
| Equity capital to assets | 13.8728% | 1,154 |
| Core capital (leverage) ratio | 13.9902% | 809 |
| Tier 1 risk-based capital ratio | 21.5863% | 1,375 |
| Total risk-based capital ratio | 22.8523% | 1,345 |
| Memoranda: | ||
| Average total assets | $106,523,330 | 4,741 |
| Average earning assets | $102,983,330 | 4,604 |
| Average equity | $14,513,000 | 4,083 |
| Average total loans | $80,289,000 | 4,096 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5670% | 671 |
| Cost of funding earning assets | 1.7375% | 109 |
| Net interest margin | 3.8295% | 3,248 |
| Noninterest income to average assets | 0.7014% | 2,657 |
| Noninterest expense to average assets | 3.0345% | 3,136 |
| Loan and lease loss provision to assets | 0.2663% | 2,326 |
| Net operating income to assets | 0.6902% | 3,930 |
| Return on assets (ROA) | 0.6902% | 4,150 |
| Pretax return on assets | 1.1290% | 3,202 |
| Return on Equity (ROE) | 5.1122% | 4,734 |
| Retained earnings to average equity (ytd only) | 5.1122% | 3,492 |
| Net charge-offs to loans | 0.0151% | 4,475 |
| Credit loss provision to net charge-offs | 2,366.6667% | 134 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 285 |
| Efficiency ratio | 68.5013% | 4,071 |
| Assets per employee ($millions) | 5.2805% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 6,033 |
| Loan loss allowance to noncurrent loans | 25.9127% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 3.2137% | 1,804 |
| Noncurrent loans to loans | 4.0985% | 1,480 |
| Net loans and leases to total assets | 77.0086% | 698 |
| Net loans and leases to deposits | 93.6495% | 689 |
| Net loans and leases to core deposits | 96.7442% | 1,232 |
| Total domestic deposits to total assets | 82.2307% | 5,218 |
| Equity capital to assets | 13.8397% | 1,077 |
| Core capital (leverage) ratio | 13.5286% | 941 |
| Tier 1 risk-based capital ratio | 21.5697% | 1,370 |
| Total risk-based capital ratio | 22.8350% | 1,340 |
| Memoranda: | ||
| Average total assets | $106,641,500 | 4,779 |
| Average earning assets | $103,825,500 | 4,605 |
| Average equity | $14,397,000 | 4,113 |
| Average total loans | $79,379,000 | 4,141 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5287% | 1,100 |
| Cost of funding earning assets | 1.8750% | 166 |
| Net interest margin | 3.6537% | 4,502 |
| Noninterest income to average assets | 0.2908% | 5,459 |
| Noninterest expense to average assets | 2.7685% | 4,479 |
| Loan and lease loss provision to assets | 0.1315% | 4,968 |
| Net operating income to assets | 0.5575% | 4,197 |
| Return on assets (ROA) | 0.5575% | 4,385 |
| Pretax return on assets | 0.9212% | 3,545 |
| Return on Equity (ROE) | 4.1619% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.1619% | 3,220 |
| Net charge-offs to loans | 0.2676% | 4,093 |
| Credit loss provision to net charge-offs | 67.4877% | 4,949 |
| Earnings coverage of net charge-offs (x) | 5.4039% | 2,800 |
| Efficiency ratio | 72.4510% | 3,491 |
| Assets per employee ($millions) | 5.6671% | 1,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 5,993 |
| Loan loss allowance to noncurrent loans | 24.1814% | 6,465 |
| Noncurrent assets plus other real estate owned to assets | 3.2636% | 1,826 |
| Noncurrent loans to loans | 4.3484% | 1,392 |
| Net loans and leases to total assets | 70.3531% | 1,961 |
| Net loans and leases to deposits | 84.7840% | 1,832 |
| Net loans and leases to core deposits | 87.4926% | 2,435 |
| Total domestic deposits to total assets | 82.9792% | 4,757 |
| Equity capital to assets | 13.1675% | 1,411 |
| Core capital (leverage) ratio | 13.2288% | 1,061 |
| Tier 1 risk-based capital ratio | 21.5537% | 1,311 |
| Total risk-based capital ratio | 22.7737% | 1,283 |
| Memoranda: | ||
| Average total assets | $104,206,800 | 4,785 |
| Average earning assets | $100,693,400 | 4,621 |
| Average equity | $13,960,000 | 4,117 |
| Average total loans | $75,861,800 | 4,278 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5570% | 1,121 |
| Cost of funding earning assets | 1.8965% | 182 |
| Net interest margin | 3.6605% | 4,525 |
| Noninterest income to average assets | 0.2451% | 5,869 |
| Noninterest expense to average assets | 2.7365% | 4,590 |
| Loan and lease loss provision to assets | 0.1097% | 5,067 |
| Net operating income to assets | 0.5548% | 4,298 |
| Return on assets (ROA) | 0.5548% | 4,475 |
| Pretax return on assets | 0.9277% | 3,663 |
| Return on Equity (ROE) | 4.1230% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.1230% | 3,796 |
| Net charge-offs to loans | 0.3558% | 3,312 |
| Credit loss provision to net charge-offs | 42.0792% | 5,196 |
| Earnings coverage of net charge-offs (x) | 3.9801% | 3,228 |
| Efficiency ratio | 72.5128% | 3,455 |
| Assets per employee ($millions) | 6.6997% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 6,338 |
| Loan loss allowance to noncurrent loans | 25.2005% | 6,477 |
| Noncurrent assets plus other real estate owned to assets | 3.3136% | 1,919 |
| Noncurrent loans to loans | 3.9054% | 1,708 |
| Net loans and leases to total assets | 70.7654% | 1,933 |
| Net loans and leases to deposits | 85.3217% | 1,781 |
| Net loans and leases to core deposits | 87.7924% | 2,519 |
| Total domestic deposits to total assets | 82.9395% | 4,711 |
| Equity capital to assets | 13.1163% | 1,552 |
| Core capital (leverage) ratio | 13.2645% | 1,120 |
| Tier 1 risk-based capital ratio | 21.4902% | 1,372 |
| Total risk-based capital ratio | 22.6398% | 1,357 |
| Memoranda: | ||
| Average total assets | $103,340,000 | 4,833 |
| Average earning assets | $99,619,250 | 4,681 |
| Average equity | $13,905,500 | 4,143 |
| Average total loans | $75,688,000 | 4,325 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6164% | 1,045 |
| Cost of funding earning assets | 1.9109% | 197 |
| Net interest margin | 3.7055% | 4,236 |
| Noninterest income to average assets | 0.3096% | 5,412 |
| Noninterest expense to average assets | 2.7632% | 4,571 |
| Loan and lease loss provision to assets | 0.1097% | 4,927 |
| Net operating income to assets | 0.5977% | 4,077 |
| Return on assets (ROA) | 0.5977% | 4,214 |
| Pretax return on assets | 0.9975% | 3,251 |
| Return on Equity (ROE) | 4.4031% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.4031% | 3,388 |
| Net charge-offs to loans | 0.4457% | 2,790 |
| Credit loss provision to net charge-offs | 33.3333% | 4,934 |
| Earnings coverage of net charge-offs (x) | 3.3631% | 3,196 |
| Efficiency ratio | 71.3924% | 3,856 |
| Assets per employee ($millions) | 5.7913% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 6,294 |
| Loan loss allowance to noncurrent loans | 36.1946% | 5,881 |
| Noncurrent assets plus other real estate owned to assets | 3.1542% | 2,130 |
| Noncurrent loans to loans | 2.7825% | 2,620 |
| Net loans and leases to total assets | 71.5674% | 1,867 |
| Net loans and leases to deposits | 87.4915% | 1,579 |
| Net loans and leases to core deposits | 89.8616% | 2,387 |
| Total domestic deposits to total assets | 81.7993% | 5,236 |
| Equity capital to assets | 13.4282% | 1,325 |
| Core capital (leverage) ratio | 13.4101% | 1,021 |
| Tier 1 risk-based capital ratio | 21.6393% | 1,306 |
| Total risk-based capital ratio | 22.8126% | 1,293 |
| Memoranda: | ||
| Average total assets | $102,055,000 | 4,899 |
| Average earning assets | $98,069,670 | 4,756 |
| Average equity | $13,854,000 | 4,150 |
| Average total loans | $75,380,330 | 4,370 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6473% | 981 |
| Cost of funding earning assets | 1.9045% | 242 |
| Net interest margin | 3.7429% | 3,883 |
| Noninterest income to average assets | 0.2615% | 5,792 |
| Noninterest expense to average assets | 2.6228% | 5,142 |
| Loan and lease loss provision to assets | 0.1070% | 4,673 |
| Net operating income to assets | 0.6735% | 3,638 |
| Return on assets (ROA) | 0.6735% | 3,708 |
| Pretax return on assets | 1.1212% | 2,675 |
| Return on Equity (ROE) | 4.9340% | 4,444 |
| Retained earnings to average equity (ytd only) | 4.9340% | 3,237 |
| Net charge-offs to loans | 0.3979% | 2,498 |
| Credit loss provision to net charge-offs | 36.0000% | 4,022 |
| Earnings coverage of net charge-offs (x) | 4.1333% | 2,553 |
| Efficiency ratio | 68.1070% | 4,634 |
| Assets per employee ($millions) | 5.9839% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 6,068 |
| Loan loss allowance to noncurrent loans | 33.9662% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 3.7591% | 1,798 |
| Noncurrent loans to loans | 3.2222% | 2,332 |
| Net loans and leases to total assets | 73.1121% | 1,493 |
| Net loans and leases to deposits | 90.6923% | 1,160 |
| Net loans and leases to core deposits | 92.8851% | 2,023 |
| Total domestic deposits to total assets | 80.6156% | 5,787 |
| Equity capital to assets | 13.6258% | 1,137 |
| Core capital (leverage) ratio | 13.6999% | 916 |
| Tier 1 risk-based capital ratio | 21.8521% | 1,250 |
| Total risk-based capital ratio | 23.1168% | 1,217 |
| Memoranda: | ||
| Average total assets | $100,961,000 | 4,979 |
| Average earning assets | $96,824,500 | 4,829 |
| Average equity | $13,782,000 | 4,156 |
| Average total loans | $75,389,000 | 4,407 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9735% | 895 |
| Cost of funding earning assets | 2.1067% | 418 |
| Net interest margin | 3.8668% | 3,658 |
| Noninterest income to average assets | 0.3035% | 5,629 |
| Noninterest expense to average assets | 2.6759% | 5,098 |
| Loan and lease loss provision to assets | 0.1193% | 5,965 |
| Net operating income to assets | 0.7483% | 3,004 |
| Return on assets (ROA) | 0.7483% | 3,130 |
| Pretax return on assets | 1.2328% | 2,132 |
| Return on Equity (ROE) | 5.3502% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.3502% | 2,223 |
| Net charge-offs to loans | 0.1039% | 5,826 |
| Credit loss provision to net charge-offs | 146.1538% | 2,519 |
| Earnings coverage of net charge-offs (x) | 16.5641% | 1,201 |
| Efficiency ratio | 66.4328% | 4,886 |
| Assets per employee ($millions) | 5.8939% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,727 |
| Loan loss allowance to noncurrent loans | 57.8353% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.6917% | 2,592 |
| Noncurrent loans to loans | 1.9926% | 3,572 |
| Net loans and leases to total assets | 74.5639% | 1,560 |
| Net loans and leases to deposits | 92.8801% | 1,154 |
| Net loans and leases to core deposits | 95.1562% | 2,105 |
| Total domestic deposits to total assets | 80.2797% | 5,761 |
| Equity capital to assets | 13.6762% | 1,134 |
| Core capital (leverage) ratio | 13.6335% | 946 |
| Tier 1 risk-based capital ratio | 21.5019% | 1,246 |
| Total risk-based capital ratio | 22.7687% | 1,219 |
| Memoranda: | ||
| Average total assets | $95,555,200 | 5,111 |
| Average earning assets | $92,040,200 | 4,942 |
| Average equity | $13,364,000 | 4,295 |
| Average total loans | $75,054,200 | 4,480 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9494% | 1,035 |
| Cost of funding earning assets | 2.1272% | 486 |
| Net interest margin | 3.8222% | 3,868 |
| Noninterest income to average assets | 0.2825% | 5,853 |
| Noninterest expense to average assets | 2.7063% | 4,854 |
| Loan and lease loss provision to assets | 0.1215% | 5,813 |
| Net operating income to assets | 0.6935% | 3,445 |
| Return on assets (ROA) | 0.6935% | 3,605 |
| Pretax return on assets | 1.1399% | 2,695 |
| Return on Equity (ROE) | 4.9299% | 4,322 |
| Retained earnings to average equity (ytd only) | 4.9299% | 3,040 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2093% | 4,426 |
| Assets per employee ($millions) | 6.6202% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,406 |
| Loan loss allowance to noncurrent loans | 36.7958% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 3.7270% | 1,906 |
| Noncurrent loans to loans | 3.3066% | 2,393 |
| Net loans and leases to total assets | 75.3019% | 1,532 |
| Net loans and leases to deposits | 93.9197% | 1,208 |
| Net loans and leases to core deposits | 96.5263% | 2,197 |
| Total domestic deposits to total assets | 80.1768% | 5,646 |
| Equity capital to assets | 13.6169% | 1,308 |
| Core capital (leverage) ratio | 13.7593% | 977 |
| Tier 1 risk-based capital ratio | 21.3204% | 1,310 |
| Total risk-based capital ratio | 22.6150% | 1,282 |
| Memoranda: | ||
| Average total assets | $94,395,000 | 5,212 |
| Average earning assets | $91,009,000 | 5,039 |
| Average equity | $13,279,250 | 4,372 |
| Average total loans | $74,922,500 | 4,567 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 1,207 |
| Cost of funding earning assets | 2.1531% | 543 |
| Net interest margin | 3.7383% | 4,193 |
| Noninterest income to average assets | 0.2695% | 5,993 |
| Noninterest expense to average assets | 2.6520% | 5,119 |
| Loan and lease loss provision to assets | 0.1229% | 5,665 |
| Net operating income to assets | 0.6684% | 3,539 |
| Return on assets (ROA) | 0.6684% | 3,685 |
| Pretax return on assets | 1.0996% | 2,787 |
| Return on Equity (ROE) | 4.6976% | 4,442 |
| Retained earnings to average equity (ytd only) | 4.6976% | 3,087 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4474% | 4,488 |
| Assets per employee ($millions) | 6.9164% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 5,602 |
| Loan loss allowance to noncurrent loans | 36.2160% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 3.5123% | 1,995 |
| Noncurrent loans to loans | 3.2322% | 2,479 |
| Net loans and leases to total assets | 77.7755% | 1,151 |
| Net loans and leases to deposits | 98.2044% | 854 |
| Net loans and leases to core deposits | 101.3839% | 1,880 |
| Total domestic deposits to total assets | 79.1976% | 5,981 |
| Equity capital to assets | 13.7819% | 1,250 |
| Core capital (leverage) ratio | 14.1586% | 890 |
| Tier 1 risk-based capital ratio | 20.5135% | 1,430 |
| Total risk-based capital ratio | 21.7932% | 1,391 |
| Memoranda: | ||
| Average total assets | $92,759,000 | 5,289 |
| Average earning assets | $89,451,670 | 5,118 |
| Average equity | $13,198,330 | 4,396 |
| Average total loans | $74,664,000 | 4,616 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9787% | 1,019 |
| Cost of funding earning assets | 2.2065% | 578 |
| Net interest margin | 3.7722% | 3,909 |
| Noninterest income to average assets | 0.2601% | 6,066 |
| Noninterest expense to average assets | 2.6189% | 5,273 |
| Loan and lease loss provision to assets | 0.1279% | 5,297 |
| Net operating income to assets | 0.7010% | 3,439 |
| Return on assets (ROA) | 0.7010% | 3,551 |
| Pretax return on assets | 1.1463% | 2,568 |
| Return on Equity (ROE) | 4.8457% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.8457% | 3,243 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2707% | 4,861 |
| Assets per employee ($millions) | 6.5736% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,689 |
| Loan loss allowance to noncurrent loans | 35.1220% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 3.6923% | 1,893 |
| Noncurrent loans to loans | 3.3142% | 2,412 |
| Net loans and leases to total assets | 79.7164% | 874 |
| Net loans and leases to deposits | 102.3279% | 625 |
| Net loans and leases to core deposits | 105.8568% | 1,585 |
| Total domestic deposits to total assets | 77.9029% | 6,340 |
| Equity capital to assets | 14.3421% | 1,052 |
| Core capital (leverage) ratio | 14.5356% | 846 |
| Tier 1 risk-based capital ratio | 21.0734% | 1,329 |
| Total risk-based capital ratio | 22.3429% | 1,302 |
| Memoranda: | ||
| Average total assets | $90,723,500 | 5,427 |
| Average earning assets | $87,376,500 | 5,260 |
| Average equity | $13,125,000 | 4,449 |
| Average total loans | $73,895,000 | 4,718 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3831% | 861 |
| Cost of funding earning assets | 2.8759% | 335 |
| Net interest margin | 3.5072% | 4,924 |
| Noninterest income to average assets | 0.2483% | 6,327 |
| Noninterest expense to average assets | 2.5050% | 6,108 |
| Loan and lease loss provision to assets | 0.1882% | 5,841 |
| Net operating income to assets | 0.5625% | 3,476 |
| Return on assets (ROA) | 0.5625% | 3,556 |
| Pretax return on assets | 0.9254% | 2,845 |
| Return on Equity (ROE) | 3.8716% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.8716% | 2,500 |
| Net charge-offs to loans | 0.0263% | 6,881 |
| Credit loss provision to net charge-offs | 873.6842% | 335 |
| Earnings coverage of net charge-offs (x) | 51.6842% | 504 |
| Efficiency ratio | 69.2259% | 4,783 |
| Assets per employee ($millions) | 8.9417% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 5,719 |
| Loan loss allowance to noncurrent loans | 90.2703% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 2.0555% | 3,323 |
| Noncurrent loans to loans | 1.2574% | 4,837 |
| Net loans and leases to total assets | 81.3358% | 789 |
| Net loans and leases to deposits | 105.0178% | 602 |
| Net loans and leases to core deposits | 142.5592% | 722 |
| Total domestic deposits to total assets | 77.4495% | 6,356 |
| Equity capital to assets | 14.5957% | 998 |
| Core capital (leverage) ratio | 14.5085% | 879 |
| Tier 1 risk-based capital ratio | 21.4177% | 1,234 |
| Total risk-based capital ratio | 22.6863% | 1,198 |
| Memoranda: | ||
| Average total assets | $88,182,400 | 5,443 |
| Average earning assets | $84,739,200 | 5,304 |
| Average equity | $12,811,400 | 4,555 |
| Average total loans | $72,176,400 | 4,794 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4338% | 866 |
| Cost of funding earning assets | 2.9879% | 342 |
| Net interest margin | 3.4459% | 5,084 |
| Noninterest income to average assets | 0.1077% | 7,363 |
| Noninterest expense to average assets | 2.3852% | 6,462 |
| Loan and lease loss provision to assets | 0.1957% | 5,429 |
| Net operating income to assets | 0.5068% | 3,954 |
| Return on assets (ROA) | 0.5068% | 4,043 |
| Pretax return on assets | 0.8375% | 3,417 |
| Return on Equity (ROE) | 3.4923% | 4,579 |
| Retained earnings to average equity (ytd only) | 3.4923% | 3,337 |
| Net charge-offs to loans | 0.0204% | 6,617 |
| Credit loss provision to net charge-offs | 1,172.7273% | 323 |
| Earnings coverage of net charge-offs (x) | 61.8937% | 528 |
| Efficiency ratio | 69.7736% | 4,634 |
| Assets per employee ($millions) | 7.4526% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,587 |
| Loan loss allowance to noncurrent loans | 124.1911% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.7667% | 3,711 |
| Noncurrent loans to loans | 0.9035% | 5,479 |
| Net loans and leases to total assets | 79.4177% | 1,303 |
| Net loans and leases to deposits | 102.5810% | 876 |
| Net loans and leases to core deposits | 138.8625% | 973 |
| Total domestic deposits to total assets | 77.4195% | 6,234 |
| Equity capital to assets | 14.4279% | 1,165 |
| Core capital (leverage) ratio | 14.1678% | 1,051 |
| Tier 1 risk-based capital ratio | 21.4243% | 1,300 |
| Total risk-based capital ratio | 22.6912% | 1,272 |
| Memoranda: | ||
| Average total assets | $87,873,750 | 5,484 |
| Average earning assets | $84,427,000 | 5,359 |
| Average equity | $12,751,500 | 4,596 |
| Average total loans | $71,829,750 | 4,850 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4642% | 889 |
| Cost of funding earning assets | 3.0386% | 420 |
| Net interest margin | 3.4256% | 5,077 |
| Noninterest income to average assets | 0.0069% | 7,923 |
| Noninterest expense to average assets | 2.3765% | 6,538 |
| Loan and lease loss provision to assets | 0.1946% | 5,110 |
| Net operating income to assets | 0.4350% | 4,358 |
| Return on assets (ROA) | 0.4350% | 4,473 |
| Pretax return on assets | 0.7189% | 3,939 |
| Return on Equity (ROE) | 2.9919% | 4,906 |
| Retained earnings to average equity (ytd only) | 2.9919% | 3,655 |
| Net charge-offs to loans | 0.0306% | 6,033 |
| Credit loss provision to net charge-offs | 772.7273% | 608 |
| Earnings coverage of net charge-offs (x) | 36.2727% | 875 |
| Efficiency ratio | 72.2338% | 4,366 |
| Assets per employee ($millions) | 8.2223% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 5,856 |
| Loan loss allowance to noncurrent loans | 80.2950% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 2.0886% | 3,074 |
| Noncurrent loans to loans | 1.3165% | 4,579 |
| Net loans and leases to total assets | 78.8557% | 1,561 |
| Net loans and leases to deposits | 102.3551% | 1,049 |
| Net loans and leases to core deposits | 136.9477% | 1,162 |
| Total domestic deposits to total assets | 77.0413% | 6,318 |
| Equity capital to assets | 14.1202% | 1,267 |
| Core capital (leverage) ratio | 14.3724% | 1,051 |
| Tier 1 risk-based capital ratio | 19.4180% | 1,696 |
| Total risk-based capital ratio | 20.5766% | 1,670 |
| Memoranda: | ||
| Average total assets | $87,354,670 | 5,541 |
| Average earning assets | $83,722,670 | 5,421 |
| Average equity | $12,701,000 | 4,626 |
| Average total loans | $71,829,670 | 4,893 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5032% | 860 |
| Cost of funding earning assets | 3.0367% | 552 |
| Net interest margin | 3.4664% | 4,866 |
| Noninterest income to average assets | 0.0047% | 8,033 |
| Noninterest expense to average assets | 2.1023% | 7,109 |
| Loan and lease loss provision to assets | 0.2890% | 3,642 |
| Net operating income to assets | 0.5827% | 4,091 |
| Return on assets (ROA) | 0.5827% | 4,286 |
| Pretax return on assets | 0.9603% | 3,499 |
| Return on Equity (ROE) | 3.9476% | 4,956 |
| Retained earnings to average equity (ytd only) | 3.9476% | 3,701 |
| Net charge-offs to loans | 0.0614% | 4,599 |
| Credit loss provision to net charge-offs | 563.6364% | 998 |
| Earnings coverage of net charge-offs (x) | 24.3636% | 1,242 |
| Efficiency ratio | 62.7260% | 5,923 |
| Assets per employee ($millions) | 8.7824% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 6,122 |
| Loan loss allowance to noncurrent loans | 127.5862% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.7307% | 3,317 |
| Noncurrent loans to loans | 0.7901% | 5,465 |
| Net loans and leases to total assets | 82.7416% | 893 |
| Net loans and leases to deposits | 109.4399% | 644 |
| Net loans and leases to core deposits | 142.3308% | 995 |
| Total domestic deposits to total assets | 75.6046% | 6,586 |
| Equity capital to assets | 14.4847% | 1,238 |
| Core capital (leverage) ratio | 14.8449% | 998 |
| Tier 1 risk-based capital ratio | 19.6318% | 1,689 |
| Total risk-based capital ratio | 20.7738% | 1,661 |
| Memoranda: | ||
| Average total assets | $85,809,500 | 5,612 |
| Average earning assets | $82,852,000 | 5,463 |
| Average equity | $12,666,000 | 4,663 |
| Average total loans | $71,703,000 | 4,920 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6426% | 2,278 |
| Cost of funding earning assets | 3.3705% | 759 |
| Net interest margin | 3.2721% | 6,132 |
| Noninterest income to average assets | 0.0093% | 8,073 |
| Noninterest expense to average assets | 1.9918% | 7,453 |
| Loan and lease loss provision to assets | 0.1887% | 5,000 |
| Net operating income to assets | 0.6139% | 4,246 |
| Return on assets (ROA) | 0.6139% | 4,107 |
| Pretax return on assets | 1.0098% | 3,346 |
| Return on Equity (ROE) | 3.7270% | 4,930 |
| Retained earnings to average equity (ytd only) | 3.7270% | 2,815 |
| Net charge-offs to loans | 0.1840% | 4,358 |
| Credit loss provision to net charge-offs | 118.3333% | 4,549 |
| Earnings coverage of net charge-offs (x) | 7.5167% | 3,091 |
| Efficiency ratio | 62.4323% | 5,868 |
| Assets per employee ($millions) | 9.3106% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 6,187 |
| Loan loss allowance to noncurrent loans | 157.0776% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 1.3998% | 3,399 |
| Noncurrent loans to loans | 0.6257% | 5,494 |
| Net loans and leases to total assets | 82.7150% | 1,098 |
| Net loans and leases to deposits | 116.0794% | 519 |
| Net loans and leases to core deposits | 150.5321% | 835 |
| Total domestic deposits to total assets | 71.2572% | 7,127 |
| Equity capital to assets | 15.0498% | 1,148 |
| Core capital (leverage) ratio | 15.4429% | 934 |
| Tier 1 risk-based capital ratio | 20.0445% | 1,614 |
| Total risk-based capital ratio | 21.1380% | 1,599 |
| Memoranda: | ||
| Average total assets | $75,259,800 | 5,867 |
| Average earning assets | $73,164,000 | 5,703 |
| Average equity | $12,396,000 | 4,729 |
| Average total loans | $65,223,400 | 5,051 |